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Miriam2

1210sda wrote: ↑Miriam2, is there a website or a catalog showing what's available from Connie?
1210

I'm not sure if there is a catalog and sorry, I don't have website information. They spread out a table full of goodies including hats, mugs, insulated cups, fleece blankets and piggy banks

Miriam2

I was hoping to buy some hats from the Vanguard store. Went to the vanguard gear website and it's not working. Does anyone know if there's another place to shop for Vanguard gear? If not, I'm sorry I didn't buy more. Arctic, if you come to the annual Boglehead Conference, the Store sets up a booth ...

Miriam2

Sandman62 wrote: ↑ You can add me to this class please. Official date is Dec. 1st. Backing off some vacation time, last day is Nov. 3rd! Can't wait!

You're in, Sandman62! Congratulations!
So what's on the retirement agenda

Miriam2

rennale wrote: ↑Hmm - when does the average retiree rise, I wonder?

Depends how late we are out all night

Miriam2

I use a pencil and paper. Works for me. :wink: I use pencil & paper also - and a ruler to make my columns :happy It always seemed faster than trying to figure out a computer program, then type figures into columns. However, now I know more and wish to keep better track of our asset allocation. How ...

Miriam2

I use pencil & paper also - and a ruler to make my columns :happy It always seemed faster than trying to figure out a computer program, then type figures into columns. However, now I know more and wish to keep better track of our asset allocation. How do you add, subtract & multiply the hand-writte...

Miriam2

I use a pencil and paper. Works for me. :wink: I use pencil & paper also - and a ruler to make my columns :happy It always seemed faster than trying to figure out a computer program, then type figures into columns. However, now I know more and wish to keep better track of our asset allocation. How ...

Miriam2

Hello South Florida Bogleheads! Is everyone above water? Yard cleaned up? :annoyed My hurricane shutters will stay UP until December :mrgreen: Our next South Florida local chapter meeting is set for Sunday, January 21, 2018, from 12 noon to 2:00 pm , at the Stirling Road Branch, Broward County Libra...

Miriam2

With luck, no more hurricanes :annoyed and we can have our Wild Retirement Class of 2017 Party!! :sharebeer Here is the updated Roll Call for the Retirement Class of 2017! We now have 40 WILDLY happy graduates 8-) :D Already graduated - congratulations!! :beer 01 Jan - MichaelM (63.5) 03 Jan - oldco...

Miriam2

My favorite Raybo photograph is from his bicycle trip from Washington DC to the Bogleheads Conference in Philadelphia in 2015. He photographed a spooky Halloween arrangement near a rural or suburban outdoor mailbox and driveway, complete with pumpkins, skeletons, bats, black cats and ghosts - and t...

Miriam2

OP here are several other threads on health care sector funds: viewtopic.php?f=10&t=160286 viewtopic.php?f=1&t=180302 My husband owns T.Rowe Price Health Sciences Fund (PRHSX) in his 401k. I read it owns a different mix of health care companies than the Vanguard Health Care fund (VGHAX), so it appea...

Miriam2

Is cash (in a bank account, not under a mattress) still king? Would banks remain solvent to fulfill the obligations? Is FDIC insurance sufficient enough to sleep well at night? To move back to topic, here is the link to the Federal Deposit Insurance Corporation and their Electronic Deposit Insuranc...

Miriam2

It was a simple question over in the "theory" sub-forum, and was about how to think about contributing to an IRA when you have earned income, but not a great amount to put into the IRA using the prescribed savings rated of 10% Then the posting got moved over to here - the Personal Investment sub-se...

Miriam2

Let me explain why I am even considering making a slight move into more actively managed funds vs indexed funds. (I would never agree to hiring a FA unless it's a fallback position for my wife once I am drooling and wetting my pants and can no longer make rational financial decisions.) A group of f...

Miriam2

My favorite Raybo photograph is from his bicycle trip from Washington DC to the Bogleheads Conference in Philadelphia in 2015. He photographed a spooky Halloween arrangement near a rural or suburban outdoor mailbox and driveway, complete with pumpkins, skeletons, bats, black cats and ghosts - and th...

Miriam2

In the beginning, there was DOS. And the users saw that it was good. But they said, we need a way to organize our files and the directory was created. And the users saw that it was good. And the micro computer flourished and populated the Earth. And the users said this DOS thing is kind of complica...

Miriam2

If you're in the highest bracket then this is a complete no-brainer. Use traditional, defer the largest amount of taxes possible. The options are you withdraw at the same bracket in which case it's a wash, or a lower bracket and pay less taxes. And even if you're in the same bracket when you withdr...

Miriam2

Raybo - I love every description of every ride. You write beautifully, we experience the magic you felt. And your photos are works of art.

I assume your investments are on auto-pedal

Miriam2

Our son is a grad student - and gets a stipend... Q - Is your son's stipend "earned income" for purposes of contributing to an IRA? See these prior threads: Graduate Students, Roth IRAs, Traditional IRAs Caduceus wrote : The confusion arises because of the popular but mistaken assumption that any i...

Miriam2

midareff wrote: ↑ I'll be 70 this year and am (very) seriously thinking of ordering a car type I have been lusting after for about 2 decades. . . . Your thoughts?

What does wifey say?

Miriam2

Our son is a grad student - and gets a stipend... it's not a bad paycheck... Was wondering, as time goes on, how should he figure out how much to allocate and contribute to his Vanguard Roth IRA ? Yeah, it would involve the income vs expense worksheet - but then.... how much should you force yourse...

Miriam2

2) I have 100k in my savings. How would you go about Dollar Cost Averaging this? Lot of people recommend lump-sum investing but I am too scared to do that. If I go by DCA, Do you think it would be a good approach to invest these funds over a span of 3 years? Here are several other threads and our w...

Miriam2

Take The Lump Sun or The Immediate Annuity? Dear Michael: You have received many useful replies to help you with your decision. I'll add one more. Researchers Mitchell, Frank and Wade Pfau published a study on this very subject in which they found that, for most of us, Single Premium Immediate Annu...

Miriam2

Utahdogowner wrote: ↑I'd never have been able to do this without an extremely frugal wife. I swear she can put a fingerprint on every copper penny she touches.

It takes two . . . I'm going to show your post to my dear husband to bolster my case

Miriam2

ElectricalGuru, welcome to the Bogleheads! Others can more expertly answer your questions, but these things stood out - Average salary is gross 110K along with annual bonus of 10% and 6.5K company stock options . I’ve got enough money saved aside that I could live for 6-12 months. I contribute 10% b...

Miriam2

bettyboopmary wrote: ↑Thanks OCG...forgive me but what is YMMV?

For other abbreviations and acronyms, our wiki has the master list as well as an index where we can search and read articles on investing until the wee hours of the night

Miriam2

Welcome to the Bogleheads - and nice beginning for your son - and mom, great job! Here is what my millennial son does - Emergency fund -- $5000 (This is an accumulation of gifts/chores money over the years). This is in a checking account for now. He is unlikely to need this money, but he insists on ...

Miriam2

Because insurance prices the premiums and deductibles and copays to make the high deductible and low deductible plans break even in the typical case. They don't benefit from your tax savings. The tax savings are strictly between you and the IRS. I explain more here with a calculator: https://thefin...

Miriam2

Not good :( Even the Florida Panhandle must be on guard. Here is an article from Tuesday 9/5/2017 regarding the unique intensity of Hurricane Irma and projections of what may come this weekend. The author is a former NOAA Hurricane Hunter. Look at the spaghetti track projections. https://www.wunderg...

Miriam2

livesoft wrote: ↑Whoopsies! Wrong part of Florida: The peninsula, not the panhandle, I will edit my post. What do you call that part anyways?

Tropical paradise

Miriam2

I was going to the keys on Friday with some friends but we just decided to cancel the trip bc of the weather. Wasn't worth the risk to go all the way down there and have none of the dive boats go out. I love Florida but that's one of the things you deal with. You know... like the bugs, alligators, ...

Miriam2

Agree leave early or don't leave at all. Unless in flood zone or affected by surge. Remember that homes can have catastrophic flooding because the city/county storm drains are inadequate or become plugged with debris - whether or not the home is in a flood zone or close to a likely storm surge. In ...

Miriam2

I appreciate the suggestions. It looks like it makes sense to sit tight until 2 days out and then either drive/fly away. Can anyone comment on traffic conditions to Orlando 48 hours before a hurricane is projected to make landfall? Yes, the traffic conditions will be there is only one road to Orlan...

Miriam2

I think the most interesting conversations take place when people engage with those who have very contrasting and challenging views and a civil and productive means of discussing them (like this forum). Yes, I agree. We receive extremely helpful information and suggestions on all things financial w...

Miriam2

Do people along the coast ever "safe" rooms inside their homes? My mother used to crawl into her walk-in closet with a mattress over her. She would then sleep through the storms. True story as told by my sister who was with her once, scared to death. I believe she only went to a real shelter once. ...

Miriam2

tfb wrote: ↑If you go with HDHP, contribute the maximum to the HSA because nearly 100% of the savings comes from the HSA tax savings.

Could you explain this? Wouldn't the tax savings only be the tax bracket percent of the $3,400?

Miriam2

LadyGeek wrote: ↑
Sun Sep 03, 2017 9:55 am
We're back. The upgrade was successful; the server is working just fine.

Thank you LadyGeek, Mingstar and all the admins and moderators and everyone for keeping our Boglehead server and forum happy and healthy

We go into serious depression without it.

Miriam2

. . . the forecasts are generally better at predicting intensity than they are predicting precise landfall location. They are actually very good at assessing whether the storm has any potential to strengthen as it approaches land. For a perfect example of a tragically incorrect prediction of where ...

Miriam2

Stan was part of our quiet group, our silent majority.

The Bogleheads Silent Majority

Miriam2

Glad to say I will soon be joining the club. Almost 37 years in my field and almost 32 years at my present employer. Notified them this past week that I will be leaving mid October. It also gives me some time to train my replacement . I don't know if it was providence or coincidence but I will be c...

Miriam2

Last August 2016, forum member Ofcmetz posted this in a new thread after he battled (and worked in) serious flooding in Louisiana. I feel sorry that he is now going through this again with Tropical Storm Harvey :( I don't have flood insurance and my house didn't flood last weekend, but you can bet I...

Miriam2

A lot of the most interesting effects, it turns out, aren't captured by photography. - About 5 minutes before totality we were looking around all feeling strange, and realized our brains could not compute the drop in light levels with it being a sunny mid-day. Everything looked strange and washed o...

Miriam2

We got lucky and had nice clear skies in eastern Tennessee. Definitely worth the drive and overnight stay to see this interesting event. We even saw a big group of birds go crazy and fly directly overhead when totality hit (photo here if anyone is interested: https://www.liteadventurer.com/great-am...

Miriam2

Our Boglehead wiki has this article on Australian investing: Investing in Australia

And here are some posts on Australian investing - you can pull up more via our search engine.

Australian investing
Australian-Please help me with my first portfolio
New Australian investing feeling very alone

Miriam2

. . . it's clear I still have a LOT to learn. I intentionally left out my retirement accounts for a couple reasons, both of which now seem foolish. First off, my retirement assets are a bit of a mess at the moment, something I am also currently working on getting under control . . . Nothing foolish...

Miriam2

For questions & information on taxes - www.fairmark.com

Miriam2

... here is how I get rid of that date and time and day and minute clutter :annoyed : When I am quoting to create a post, in the "post a reply" window, delete everything between the last letter of the quoted person's name to that line's closing bracket. Please consider not doing this, Miriam. Leavi...

Miriam2

Is there a way for users to change the notification icon from red to something else? Likewise with the red page icons that show up next to some threads? The blue theme of Bogleheads is relaxing and conducive to good thought. The red is alarming. Agreed. I find the whole update makes the forum somew...

Miriam2

kaneohe wrote:just for completeness so others don't get the wrong idea, here's a nice summary of the Roth withdrawal rules by kawill of the fairmark.com site...

Kaneohe, you're the greatest

Very helpful list, thank you for posting.

Miriam2

I may be an imposter retiree. I will be retiring from the military effective October 1, 2018. They beauty of it is that with the amount of vacation time I have saved I will start transitioning the beginning of July and stop working by the middle of July. Although I know this is a certainty I am not...

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