Search found 1964 matches
- Thu Apr 19, 2018 10:09 pm
- Forum: Personal Consumer Issues
- Topic: Factor in evaluating Physicians
- Replies: 47
- Views: 2181
Re: Factor in evaluating Physicians
I mean, how about the companies that give doctors those big plastic models of vomeronasal organs and gizzards and abomasums that the doctor can use in patient education? It's not so much that the gift has a retail value of $277 as that it makes the doctor just kind of feel good about the drug detai...
- Thu Apr 19, 2018 9:37 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
It's going to be very close for 2018. . . . So don't sign me up yet, I will let you know if this becomes a December 31 retirement. OK, keep us updated with your plans! We always enjoy seeing your cute yellow airplane :happy and of course, reading your sensible investment thoughts and advice 8-) Dav...
- Thu Apr 19, 2018 7:23 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
I am joining the ranks of the “class of 2018” and plan to retire on December 28. I will be 56. The one more year syndrome and a sense of obligation to the company held me in place for several years, but it’s time to be done. Congratulations to others who have retired, and to those who will join the...
- Thu Apr 19, 2018 7:11 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
- Replies: 30
- Views: 1789
Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Buy both now before they close. Don't tell TaylorDeighve wrote: ↑Any thoughts on which one to pick if adding to a three fund portfolio?

- Wed Apr 18, 2018 10:32 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2019!
- Replies: 4
- Views: 361
Re: Roll Call for the Retirement Class of 2019!
Congratulations Tycoon! You may be our first graduateTycoon wrote: ↑Jan. 2019 for me.

- Wed Apr 18, 2018 10:23 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
- Replies: 30
- Views: 1789
Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Somewhat related to Miriam2’s point: Vanguard will not let you invest in their own closed funds e.g. Vanguard PRIMECAP (unless you have Flagship), even if you have that same fund in another account with them. So if you already have VG PRIMECAP in your tIRA, you can buy more of that fund (with limit...
- Wed Apr 18, 2018 9:58 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
- Replies: 30
- Views: 1789
Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
PRIMECAP Odyssey Aggressive (POAGX) is available. From reading other posts here their funds are popular, even those they appear to be actively managed. I understand past performance may not repeat, it is impressive never the less how it has outpaced the S&P return wise. The question is I'm debating...
- Wed Apr 18, 2018 8:25 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2019!
- Replies: 4
- Views: 361
Re: Roll Call for the Retirement Class of 2019!
cfs, thank you for bringing the complete "Retirement Series" to our attention :happy Now we have SIX conversations on the "Retirement Series." For anyone not on the Roll Call lists, it is never too late, just click on the applicable link and add your name to the list. Link to Retirement Class of 201...
- Wed Apr 18, 2018 7:48 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2019!
- Replies: 4
- Views: 361
Roll Call for the Retirement Class of 2019!
The Roll Call for the Retirement Class of 2019 is now open! "We're off to relax from the daily grind And leaving the 8 to 5 behind No more meetings, no more skypes No more listening to business gripes." :D Are you planning to RETIRE in 2019? Congratulations! If you are interested in having your name...
- Wed Apr 18, 2018 4:56 pm
- Forum: Investing - Theory, News & General
- Topic: Lack of FDIC Insurance a big deal?
- Replies: 39
- Views: 2836
Re: Lack of FDIC Insurance a big deal?
I'm strongly considering closing my Ally account and moving my cash to a Vanguard Prime money market. . . . The only thing that keeps bothering me is the lack of FDIC insurance. After doing a lot of research here and other places, I still can't decide if this is a significant risk. I know there are...
- Mon Apr 16, 2018 3:06 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Improving Local Boglehead Chapter Meetings
- Replies: 19
- Views: 1715
Re: Improving Local Boglehead Chapter Meetings
Panel discussions make a good meeting. Recently, The Finance Buff aka Harry Sit, a long-time Boglehead forum member who posts as tfb :happy and who is the author of the chapter on defined benefit pension plans in the "Bogleheads Guide to Retirement Planning," joined the panel discussion hosted by th...
- Mon Apr 16, 2018 1:52 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
Done! Welcome to the Class! Any plans or are you just going to hang out?Greywolf wrote: ↑Congratulations Retirement Class of 2018!
Add me to the list, June 1st!

- Sun Apr 15, 2018 9:03 pm
- Forum: Investing - Help with Personal Investments
- Topic: Help with Personal Investments, thanks for LOOKING!
- Replies: 11
- Views: 1276
Re: Help with Personal Investments, thanks for LOOKING!
Taxable 15% (VMFFX) Vanguard Federal Money Market Fund 0.11% 20% (VIGAX) Vanguard Growth Index Fund Admiral Shares 0.06% 10% (VMRGX) Vanguard Morgan Growth Fund Investor Shares 0.38% 20% (VHDYX) Vanguard High Dividend Yield Index Fund Investor Shares 0.15% (FOR DIVIDENDS) 25% (VWIGX) Vanguard Inter...
- Sun Apr 15, 2018 8:35 pm
- Forum: Investing - Help with Personal Investments
- Topic: consolidating HSA accounts.
- Replies: 5
- Views: 379
Re: consolidating HSA accounts.
In the vague recesses of my addled brain , I seem to remember that Fidelity at least at one point allowed a spouse of a current HSA account owner to open their own HSA account. Spirit Rider - having read your posts for many years and having been the lucky recipient of your wealth of knowledge you p...
- Sat Apr 14, 2018 4:51 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
Rolling out the updated roster for the Great Retirement Class of 2018. "At the corner of retired and happy" are 12 lucky graduates :beer Already Graduated - CONGRATULATIONS on punching out! 01 Jan - BigOldBear <== Welcome to the Class ! 02 Jan - Billionaire 12 Jan - RubyTuesday (51) 31 Jan - Earl Le...
- Fri Apr 13, 2018 10:51 pm
- Forum: Investing - Theory, News & General
- Topic: Introduction to Treasury Inflation Protected Securities (TIPS)
- Replies: 53
- Views: 4625
Re: Introduction to Treasury Inflation Protected Securities (TIPS)
I am the author of the TIPS presentation. I'd like to make a few comments regarding the presentation: . . . Finally, I never intended the presentation to end up here. I agreed to let Siamond post it here after the fact. I can tell you unequivocally that our goal was to educate people, not offend th...
- Fri Apr 13, 2018 10:36 pm
- Forum: Personal Consumer Issues
- Topic: Gardening 2018
- Replies: 37
- Views: 2586
Re: Gardening 2018
Peppers, what happened to your nemesis the squirrel who was eating your basil? Did you two make peace? 8-) Absolutely, and he has a friend. The other morning as I gazed out the kitchen window, I saw the two of them frolicking in the recently tilled vegetable patch. Digging small holes and churning ...
- Fri Apr 13, 2018 8:53 pm
- Forum: Personal Consumer Issues
- Topic: Gardening 2018
- Replies: 37
- Views: 2586
Re: Gardening 2018
Peppers, what happened to your nemesis the squirrel who was eating your basil? Did you two make peace?peppers wrote: ↑We live in the big city so gophers aren't an issue for us. I do use a wire mesh fence to keep the rabbits at bay.

- Fri Apr 13, 2018 3:53 pm
- Forum: Personal Consumer Issues
- Topic: Gardening 2018
- Replies: 37
- Views: 2586
Re: Gardening 2018
South Florida reporting in - those dang iguanas have come out of their winter lairs and are slithering (yes iguanas slither) around my backyard looking for plants and flowers to destroy 

- Fri Apr 13, 2018 3:36 pm
- Forum: Investing - Help with Personal Investments
- Topic: Why traditional IRA better than Roth IRA
- Replies: 87
- Views: 6689
Re: Why traditional IRA better than Roth IRA
when withdrawal time comes total money will be much bigger and with Roth I am not paying any tax whereas with traditional I would be. This is a common fallacy. It doesn't matter that the money will be greater when you take it out. Here's a simple exercise to prove the point. Let's compare $10,000 a...
- Wed Apr 11, 2018 8:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: The "mechanics" of retiring
- Replies: 20
- Views: 3631
Re: The "mechanics" of retiring
I am looking to possibly retire next year early (age 48 or 49). I'm not sure what the correct terminology is, but I am interested in the mechanics of it. What I mean is do you keep so much in a money market, so much in a CD ladder, do you keep reinvesting dividends, etc. I will be basically followi...
- Wed Apr 11, 2018 8:32 pm
- Forum: Investing - Help with Personal Investments
- Topic: Why traditional IRA better than Roth IRA
- Replies: 87
- Views: 6689
Re: Why traditional IRA better than Roth IRA
Given this evolving landscape - hard to foresee retirement income (or tax-bracket) to be higher than many earning years. . . . Do strongly suggest HSA, and also having multiple buckets (401k/403b, IRA, Roth, and taxable-brokerage) - each hold respective importance in retirement. I agree. We are in ...
- Wed Apr 11, 2018 3:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Student Loan Repayment Plan
- Replies: 41
- Views: 1476
Re: Student Loan Repayment Plan
Yeah, it doesn't really change much for us. We are a special case, most people it would be a bigger concern. Doesn't even change our tax bracket. I have family in the IRS so I asked a lot of questions about what is best for when your loan is forgiven. They said every case is different. If you've be...
- Wed Apr 11, 2018 2:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Student Loan Repayment Plan
- Replies: 41
- Views: 1476
Re: Student Loan Repayment Plan
With IBR, have you done mock tax returns to compare your tax liability when you file separately vs. if you file jointly?spdoublebass wrote: ↑I had to decide between IBR and REPAYE. I chose IBR because 15% disposable of my income is cheaper than 10% of our joint, because my wife makes more than half of what I make.
- Wed Apr 11, 2018 2:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?
- Replies: 5
- Views: 476
Re: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?
This is regarding the Pay As You Earn Plan. . . . . . . The problem is every year in November my wife has to reapply for the student loan forgiveness program, PAYE, and it asks for update income information. . . . So in other words if it does that, then right now it's impossible to weigh whether ma...
- Wed Apr 11, 2018 2:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Student Loan Repayment Plan
- Replies: 41
- Views: 1476
Re: Student Loan Repayment Plan
I should also note, if you are on top of things, when your forgiveness comes and you owe the tax, if you have been filing separately, then they only come after the individual not the couple. So if you have a taxable account in your name, the IRS couldn't go after it, because you don't owe the money...
- Tue Apr 10, 2018 3:14 pm
- Forum: Investing - Help with Personal Investments
- Topic: Alternative website for those in lower tax brackets?
- Replies: 59
- Views: 5200
Re: Alternative website for those in lower tax brackets?
Here's a nice thread by Bogleheads who may be in the lower tax brackets or net worth category
Is there such a thing as a Blue Collar Boglehead?

Is there such a thing as a Blue Collar Boglehead?
- Mon Apr 09, 2018 4:07 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Improving Local Boglehead Chapter Meetings
- Replies: 19
- Views: 1715
Re: Improving Local Boglehead Chapter Meetings
Hopefully this info. can help others improve their meetings as desired – and if you have additional suggestions for how to improve local chapter meetings, please share them. Thanks. RetiredMarine - sounds like you're on a roll :D Here is the thread for the South Florida Bogleheads local chapter. It...
- Mon Apr 09, 2018 3:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: newbie asking for advice getting financial house in order...
- Replies: 18
- Views: 2541
Re: newbie asking for advice getting financial house in order...
Vanguard traditional IRA 2050 target date fund is now 15k. Only $300 contributed in the last year. Although I may convert this to a Roth IRA And just take the tax hit. I’m still trying to figure out what to do with this. . . . I will worry about the back door Roth later. I'm obsessed with Roth IRAs...
- Mon Apr 09, 2018 2:53 pm
- Forum: Personal Consumer Issues
- Topic: Is it very hard to learn Spanish?
- Replies: 65
- Views: 4043
Re: Is it very hard to learn Spanish?
I once asked my lawn man - in my best Spanglish - to please trim my "arbustos" (shrubs). He laughed and gave his co-worker a big grin. They were from Honduras. My "arbustos" were never trimmed. I am speechless! "Please trim my bush" said by a lady to a gentleman would be considered very very dirty ...
- Sun Apr 08, 2018 5:20 pm
- Forum: Personal Consumer Issues
- Topic: Is it very hard to learn Spanish?
- Replies: 65
- Views: 4043
Re: Is it very hard to learn Spanish?
Well, if you come to Miami, all of South Florida is a tutor 8-) I posted this in another thread years ago. Still holds true. The only difficulty in Miami is that Spanish speakers come from so many different countries with different dialects, word usage, and education. The Spanish we learn may be mor...
- Sun Apr 08, 2018 5:05 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: [Virtual online chapter - Master thread]
- Replies: 78
- Views: 11737
Re: [Virtual online chapter - Master thread]
Am a new member - based in Scotland/UK - and was wondering if these virtual meetings are/or could be recorded ( both screen and voice) and a link later shared that allowed others to view after the event? Thanks, Dave I don't know about recording the Virtual On-Line meetings, but our forum has many ...
- Sun Apr 08, 2018 4:52 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
It's the beginning of April and we're checking back :wink: Back when I made that post I thought 3/30/2018 was likely going to be my last day of work but for a variety of reasons I have decided to continue working for a bit longer. It is possible I will retire in 2018 but currently planning for mid-...
- Thu Apr 05, 2018 8:53 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
So far I am very pleased with my decision. As with virtually everyone here, 2017 has been an extremely rewarding year financially which has provided a great deal of financial freedom, but I still plan to continue a while longer. I would be delighted if you were to check back at the beginning of Apr...
- Wed Apr 04, 2018 3:26 am
- Forum: Personal Finance (Not Investing)
- Topic: silly tax question on trad 401k to roth 401k conversion
- Replies: 5
- Views: 467
Re: silly tax question on trad 401k to roth 401k conversion
On a side note, did anyone have the link to thread on Alan's thread on how to do taxes for backdoor roth? It's not Alan S's thread, but here are two articles by tfb, The Finance Buff, on doing taxes for Roth conversions. Making Backdoor Roth Easy on Your Tax Return Backdoor-Roth-IRA: A-Complete-How...
- Tue Apr 03, 2018 9:35 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
I gave notice on Monday, so any little fluctuations you may have noticed in the market are presumably my fault. Thank you for the heads-up Telemark :happy Welcome to the Retirement Class! It will be a couple of weeks before we get the details sorted out. It was something of an impulse decision . . ...
- Tue Apr 03, 2018 7:28 pm
- Forum: Investing - Help with Personal Investments
- Topic: Backdoor Roth IRA conversion issue
- Replies: 12
- Views: 788
Re: Backdoor Roth IRA conversion issue
ThanksEpsilon Delta wrote: ↑Yes.

- Tue Apr 03, 2018 3:51 pm
- Forum: Investing - Help with Personal Investments
- Topic: Backdoor Roth IRA conversion issue
- Replies: 12
- Views: 788
Re: Backdoor Roth IRA conversion issue
Miriam, it sounds like you already have it straight. In the example from jsong the contribution was for 2017 and should be reported on his 2017 return while the conversion was in 2018 and should be reported on his 2018 return. Mr Thomas is discussing a corner case where the withdrawal from the tIRA...
- Tue Apr 03, 2018 2:48 pm
- Forum: Investing - Help with Personal Investments
- Topic: Backdoor Roth IRA conversion issue
- Replies: 12
- Views: 788
Re: Backdoor Roth IRA conversion issue
The contribution to the trad IRA and the conversion to the Roth IRA both took place in late March 2018 (for tax year 2017). I'm not sure, does this meet the deadline for a conversion for tax year 2017? The "contribution" to the traditional IRA can be done in 2018 before tax deadline and be counted ...
- Tue Apr 03, 2018 2:04 pm
- Forum: Investing - Help with Personal Investments
- Topic: Delaying HSA W/D as Long as Possible -- HSA funds on death?
- Replies: 9
- Views: 817
Re: Delaying HSA W/D as Long as Possible -- HSA funds on death?
It is best to withdraw within the lifespan of you and your spouse, as it can be tax free then. If a non-spouse inherits the HSA, it is all taxable. I read somewhere that it is not even permissible for your executor to withdraw against your accumulated receipts. This is correct. You should always na...
- Mon Apr 02, 2018 8:52 pm
- Forum: Investing - Theory, News & General
- Topic: Primerica - a formative experience on the way to being a Boglehead
- Replies: 8
- Views: 1541
Re: Primerica - a formative experience on the way to being a Boglehead
Due to some requests on PM, I’m going to share a defining experience for me that defined my journey to being a Boglehead. My wife is often bothered as to why I’m such a paranoid penny-pinching cheapskate. I can trace it down to four reasons: . . . . Enjoyed reading your story Badger! Thank you for ...
- Sat Mar 31, 2018 1:01 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Virtual Bogleheads- Manny Thanks
- Replies: 1
- Views: 353
Re: Virtual Bogleheads- Manny Thanks
A BIG “Shout Out” of appreciation to Manny for hosting the virtual sessions. Presenters are very committed with material and demo on the Video Conference tool. For example, the backtesting tool by Simba and Diamond allows for testing various portfolio allocation and withdrawal alternatives. In anot...
- Fri Mar 30, 2018 12:28 pm
- Forum: Investing - Theory, News & General
- Topic: Why is Berkshire Hathaway classified as a Growth stock?
- Replies: 19
- Views: 1887
Re: Why is Berkshire Hathaway classified as a Growth stock?
There is not really a meaning of "growth" stock separate from "growth v. value". Growth and value are assertions about valuation. Growth stocks, the market places a higher weighting on future earnings (and eventually future payouts to investors). Value stocks are the opposite-- more of the value of...
- Wed Mar 28, 2018 5:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: IRA ProRata Question
- Replies: 13
- Views: 741
Re: IRA ProRata Question
I put money in Roth IRA for tax year 2016 and 2017 while holding Traditional IRA(over 10 years). Regarding ProRata rule. How would Pro-Rata apply to my case if I did not pay tax accordingly for tax year 2016 and 2017? I’m planning on converting this Traditional IRA to Roth this year to avoid this h...
- Wed Mar 28, 2018 4:04 pm
- Forum: Investing - Theory, News & General
- Topic: Why is Berkshire Hathaway classified as a Growth stock?
- Replies: 19
- Views: 1887
Re: Why is Berkshire Hathaway classified as a Growth stock?
From a balance sheet perspective it does not matter if cash is returned to equity holders via dividends or buy backs. The impact is the same . There is a difference in some of the balance and income sheet ratios, like EPS. Please note, dividends cause the stock price to drop by the amount of the di...
- Tue Mar 27, 2018 7:15 pm
- Forum: Investing - Theory, News & General
- Topic: Why is Berkshire Hathaway classified as a Growth stock?
- Replies: 19
- Views: 1887
Re: Why is Berkshire Hathaway classified as a Growth stock?
[They do not pay dividends] They do however buy back shares. Buffett wrote a letter to shareholders some time ago explaining to them why a return of capital via share buyback is equivalent to a return of capital via dividend -- and may have tax advantages.* https://www.investopedia.com/ask/answers/...
- Tue Mar 27, 2018 12:05 pm
- Forum: Personal Consumer Issues
- Topic: Going to Israel need help planning
- Replies: 12
- Views: 1111
- Tue Mar 27, 2018 11:50 am
- Forum: Investing - Theory, News & General
- Topic: Why is Berkshire Hathaway classified as a Growth stock?
- Replies: 19
- Views: 1887
Re: Why is Berkshire Hathaway classified as a Growth stock?
Just curious. I have some BRK.B shares (purchased long ago in my "pre-Boglehead" days), and noticed that Morningstar (and Personal Capital) classify it as 100% Large Growth. The P/B ratio is currently ~1.4. Conversely, the S&P 500, with a P/B ratio ~3.25, is classified by them as Large Blend. I wou...
- Tue Mar 27, 2018 11:45 am
- Forum: Local Chapters and Bogleheads Community
- Topic: Is there a U.K bogleheads Chapter??
- Replies: 17
- Views: 1454
Re: Is there a U.K bogleheads Chapter??
Are there enough UK members from any one area to establish a Local Chapter that would meet in person? If not, we do have a Virtual Local Chapter that meets online. The time difference might be a factor, though. Use this link and scroll down to Local Chapter #73 for more info. https://www.google.com...
- Fri Mar 23, 2018 2:04 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Roll Call for the Retirement Class of 2018!
- Replies: 158
- Views: 19668
Re: Roll Call for the Retirement Class of 2018!
So many things in my mind and want to jump in right away. But to make this retirement work, the very first thing has to be learn to slow down, learn to sit back and watching the surroundings and get the joy out of them, learn to appreciate each joyful moment occurs. If I can master this base, I wil...