Search found 3075 matches

by Miriam2
Mon Sep 28, 2020 9:07 pm
Forum: Forum Issues and Administration
Topic: Forum attains 100,000 members
Replies: 24
Views: 1909

Re: Forum attains 100,000 members

The Bogleheads forum has now registered 100,000 members. Here is our blog post commemorating the milestone: Bogleheads forum attains 100,000 members . Special thanks to Alex and Larry and all who have contributed over the years. What a wonderful milestone - and thank you Barry for maintaining the B...
by Miriam2
Mon Sep 28, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Windsor - hold or exchange
Replies: 7
Views: 461

Re: Windsor - hold or exchange

We have held Vanguard Windsor for ages... probably my first mutual fund. At this point - does it still make sense to hold Windsor (value large cap) vs just consolidating into the simple portfolio of Total stock, etc - Taxable account - Cap Gains from cost basis are NOT an issue - but it does genera...
by Miriam2
Sat Sep 26, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: 10 Smartest Things Ever Said about Investing by Jack Bogle
Replies: 16
Views: 2568

Re: 10 Smartest Things Ever Said about Investing by Jack Bogle

This is Brent Esplin, the author of the article Tayor shared. I want to thank him for sharing my work and thank all of you for the feedback. I have updated the post to include the 6th rule, which I accidently left out. It's tough being your own editor. The missing rule is "Basic arithmetic works. K...
by Miriam2
Fri Sep 25, 2020 10:15 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

Alas, I am treading water and didn’t make my 9/15 date. DW is awaiting word on a possible treatment for her chronic migraines. Until that is finalized, I continue to work for our group health insurance. Best move my date to TBD. Thank you for the update, let us know when you have your R-date. We ho...
by Miriam2
Fri Sep 25, 2020 10:09 am
Forum: Personal Investments
Topic: Extended Market Index
Replies: 5
Views: 567

Re: Extended Market Index

Hello. I have a question on the percentage of s and p 500 and the extended market Index. I heard 3 to 1, 4 to 1, and 5 to 1. Which is the best My son has the Vanguard SP500 and Extended Market in his 401k at the 80/20 ratio for the last 2 years and it has basically hovered right around the 80/20 ra...
by Miriam2
Wed Sep 23, 2020 1:23 am
Forum: Investing - Theory, News & General
Topic: I dont understand compound interest.
Replies: 47
Views: 4707

Re: I dont understand compound interest.

What you’re missing is that last year’s interest also earns interest the next year. So yes, 4000 x .08 = 320. But the next year it’s 4320 x .08 = 345. More interest than last year on the same initial investment. , , , Working out the math fully: Let's start by focusing only on the 4000 invested in ...
by Miriam2
Tue Sep 22, 2020 6:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

30 Jun - sgr000 <<== Boglehead since 2/28/2007 BTW, I see I neglected to mention my age at retirement, like the others. I was 65 on the day I retired. Thanks, we made the update. And as of now, you are The Most Senior Boglehead in the class, having joined this illustrious forum a mere 9 days after ...
by Miriam2
Mon Sep 21, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Healthcare Insurance in Florida? 56 yrs old
Replies: 3
Views: 391

Re: Personal Healthcare Insurance in Florida? 56 yrs old

I am moving to Florida shortly and looking for personal healthcare insurance. I would love to hear what folks that are not working are doing for the insurance. Anything I should be researching outside of ACA? I'm 56, widowed and drawing a small pension if that matters. We have a friend who moved to...
by Miriam2
Mon Sep 21, 2020 4:02 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 56
Views: 6195

Re: Roll Call for the Retirement Class of 2021!

Here is the updated Roll Call for the upcoming Retirement Class of 2021 :D Let me know if you wish to be added to this highly acclaimed Roll Call. 02 Jan - bliksem55 (59) 02 Apr - Barcelonasteve (54) __ Apr - corn18 (55) __ Apr - bluesky50 (55) 01 May - reddison (62) 31 May - Swee'pea (62) 11 Jun - ...
by Miriam2
Sun Sep 20, 2020 8:22 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

Hard to believe, but it's autumn already :shock: and we have a large and growing Retirement Class :D Our Fabulous 2020 Retirement Class now has 40 excited (and relieved :wink: ) graduates! So far, our oldest classmate is 70 and our youngest is 45. One classmate has been a Boglehead since Feb. 2007, ...
by Miriam2
Sun Sep 20, 2020 5:21 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

Retired from the Civil Service at the end of 2011, but then immediately went to work half time at a local university. When covid-19 came along, shifted to working from home. Now have no interest in setting foot on campus again. College students think they are invincible. Fully pulled the plug on 24...
by Miriam2
Sun Sep 20, 2020 3:58 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

August 31 at age 53! Am already tired of hearing "where are you going to work next" but don't want to explain the concept of FI. Congratulations on your retirement, gwe67, and welcome to the Retirement Roll Call! We won't ask you to explain the concept of Financial Independence :D but we're curious...
by Miriam2
Sat Sep 19, 2020 9:07 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

Well, count me in! My last day will be 1 October of this year. I am 55. I have been waiting for this for a couple of years but it is still strange. I will have deferred comp payments inbound in varying degrees for about 10 years so kind of like getting an annual paycheck and likely won't have to to...
by Miriam2
Thu Sep 17, 2020 5:40 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

Never thought at the start of this crazy year that this would be my year, but I work for one of the major oil companies and our EOI period will begin tomorrow. After much thought the package was too good to turn down. It would take my wife and I ten years of savings to hit that number and I have no...
by Miriam2
Thu Sep 17, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: Writer Morgan Housel will be our next "Bogleheads on Investing" podcast guest
Replies: 6
Views: 918

Re: Writer Morgan Housel will be our next "Bogleheads on Investing" podcast guest

This will be wonderful! I really enjoy his writings - he's a powerful writer. He has a most interesting background (how many of us were on the nationally recognized Lake Tahoe Ski Team?) and his personal financial thoughts are very helpful.
by Miriam2
Thu Sep 17, 2020 6:09 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

you take the Roll Call's Most Coveted Award as The Most Senior Boglehead of the Class , since you joined our fabulous forum on March 2, 2007, only 11 days after bogleheads.org was formed on February 19, 2007 :D How cool is that!? You must have one truly fabulous portfolio :beer Thank you, thank you...
by Miriam2
Thu Sep 17, 2020 5:42 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

. . . Pushing Fire Calc out to 40 years and still shows a 100% success rate of providing required income. . . . Still trying to wrap my head around our new found freedom. Due to travel, my job has never allowed me to normal scheduled activities, so looking forward next Spring to joining a regular g...
by Miriam2
Thu Sep 10, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: selling house advice
Replies: 27
Views: 3041

Re: selling house advice

Watty wrote: I went through an interview process to select an agent just like I was hiring an employee. . . . A few points: . . .
Very helpful information, Watty, thank you for taking the time to make your post :happy
by Miriam2
Tue Sep 08, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Large 2020 TIRA to Roth Conversion
Replies: 24
Views: 1764

Re: Large 2020 TIRA to Roth Conversion

. . . Our investments are: TIRA – 54%, Roth – 14%, and taxable 32%. If I convert the entire $202,500, I will have: TIRA – 46%, Roth – 23%, taxable – 32%. . . . Don't these figures depend on how you invest the money in each account (ie. bonds, US stocks, Int'l stocks, etc) and as Celia pointed out a...
by Miriam2
Tue Aug 25, 2020 6:40 pm
Forum: Forum Issues and Administration
Topic: how to make default font size bigger?
Replies: 13
Views: 2714

Re: how to make default font size bigger?

Dolcetto wrote: On all the major web browsers, holding the control (command on Mac) key and pressing the plus or minus keys will adjust the text size. I am young and do it all the time on this forum!
That is neat, thank you 8-)
by Miriam2
Mon Aug 24, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10024

Re: A Plea for Ordinary English

We have a link for our Index for our Bogleheads Wiki - and also, we have a link for common Abbreviations & Acronyms used here on the forum.

Go to the Wiki Home tab - then click Acronyms or Index
by Miriam2
Mon Aug 24, 2020 8:44 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 56
Views: 6195

Re: Roll Call for the Retirement Class of 2021!

Well I'm about 2 years to full retirement age. Health care will be covered mid year 2021 to cross the finish line. Major consideration is spouse who is 2 years younger. I love what I'm doing, enjoy working with students (academic position), want to finish strong this coming year. So the question re...
by Miriam2
Mon Aug 24, 2020 8:08 pm
Forum: Investing - Theory, News & General
Topic: Nearly all gains from the S&P 500 are from Tech stocks is this normal?
Replies: 44
Views: 5127

Re: Nearly all gains from the S&P 500 are from Tech stocks is this normal?

WSJ article: https://www.wsj.com/articles/this-market-is-a-tech-market-if-bond-yields-rise-watch-out-11598101689?mod=markets_major_pos13 There has been a lot of concern recently about the stock market being top-heavy, dominated by just a handful of companies, and that this might spell trouble for fu...
by Miriam2
Mon Aug 24, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 53
Views: 5595

Re: Good quality face mask recommendation, please

KN95 and Surgical Mask Recommendation: Here is where I got my excellent KN95s and good quality disposable surgical masks (thicker than the Walgreens ones). They are based out of Dallas, TX, so shipping is very fast. They also have face shields, alcohol wipes and hand sanitizer. https://honestppe.su...
by Miriam2
Mon Aug 24, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10024

Re: A Plea for Ordinary English

It has been forty years since I retired from the US Navy, but I seem to remember that in military correspondence the first time you referred to something you spelled it out and followed it by the accepted abbreviated form. From that point on you could just use the abbreviated form. For example, Uni...
by Miriam2
Mon Aug 24, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Which 3 row luxury SUV?
Replies: 70
Views: 5057

Re: Which 3 row luxury SUV?

I agree with bbqguru that the Suburban has insufficient leg room for longer legs in the third row. Does any SUV or other vehicles? Which cars have more 3rd row legroom that's more than the Suburban . . . I was looking at images of the Suburban, Escalade, and other vehicles discussed, and none appea...
by Miriam2
Mon Aug 24, 2020 2:33 am
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10024

Re: A Plea for Ordinary English

Let's not forget the Hindenberg Omen 8-) Darn, now I can't find Nisiprius' Photoshopped image of it on the site tho That's because, sad to say, many of Nisiprius' compelling pictures - in his great effort to save us all from sure destruction due to the Hindenburg Omen and its Rendevous with Destiny...
by Miriam2
Mon Aug 24, 2020 2:16 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 56
Views: 6195

Re: Roll Call for the Retirement Class of 2021!

Possibly July 2021 for me. Hi Morgan22! We'll pencil you in and please let us know if you need re-booting 8-) Originally planned to retire in the year I turned 55 so I would be able to use the "rule of 55" to pull from 401(k) penalty free. Changed jobs 2 years ago and not enjoying the new job. Now ...
by Miriam2
Sun Aug 23, 2020 9:19 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

I had previously posted in the 2021 class because that was my plan. However, my company has decided that many of us with over 30 years need to retire this year. I was told that 10/31/2020 will be my last day of employment. However, 30 weeks of severance pay and 1 year of subsidized health care make...
by Miriam2
Sun Aug 23, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: Which 3 row luxury SUV?
Replies: 70
Views: 5057

Re: Which 3 row luxury SUV?

Any reason the Chevy Suburban is not on your list? I'm driving my second Suburban in 20 years. I can put anyone I want in my 3 rows, still pack everything in the back, not to mention what's left over goes on the roof, plus it drives as soft as butter down the highway. I don't consider it fancy or l...
by Miriam2
Sun Aug 23, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: Well written article on Stock Bubbles, likely by Morgan Housel
Replies: 5
Views: 1060

Re: Well written article on Stock Bubbles, likely by Morgan Housel

https://www.collaborativefund.com/uploads/Collaborative%20Fund%20Bubbles.pdf The PDF does not have an author listed but the tone is right for Morgan Housel. Here's the link from the Collaborative Fund blog, yes it's a Morgan Housel article. https://www.collaborativefund.com/blog/the-reasonable-form...
by Miriam2
Sun Aug 23, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Which 3 row luxury SUV?
Replies: 70
Views: 5057

Re: Which 3 row luxury SUV?

Assuming a budget of 70-100k for a brand new, latest model 3 row luxury SUV, prioritizing luxury over sportiness (although a combo would be great), I appreciate your thoughts on the following (in no particular order): . . . Any reason the Chevy Suburban is not on your list? I'm driving my second Su...
by Miriam2
Sun Aug 23, 2020 3:22 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 251
Views: 32058

Re: Roll Call for the Retirement Class of 2020!

Sorry I'm so late to the party, but you all are having so much fun I couldn't resist joining! I was February 1, 2020 and loving every minute! Welcome to the Bogleheads, maribullah, and welcome to this great Retirement Roll Call! So you retired on Feb. 1, 2020 - that was almost 8 months ago, seems l...
by Miriam2
Wed Aug 19, 2020 8:38 pm
Forum: US Chapters
Topic: [Virtual online chapter - Master thread]
Replies: 136
Views: 38205

Re: [Virtual online chapter - Master thread]

Wanted to let folks know of the next meeting for Tuesday August 18th 2020 at 8pm Eastern Time- sorry for the short notice but hopefully folks will be able to attend. I'm very excited about the next topic as its an important one and hasn't been talked about much on the virtual meetings! Arun has gra...
by Miriam2
Wed Aug 19, 2020 8:18 pm
Forum: Personal Investments
Topic: 401k to Traditional to Roth
Replies: 39
Views: 1740

Re: 401k to Traditional to Roth

I may be misunderstanding this, but isn't your tax hit to convert anything from your tIRA (and/or Rollover IRA) the same whether (1) you keep your 401k money in the 401k and do the simple $6,000 per year back-door Roth conversion, (2) or you roll the $730,000 into your Rollover IRA and still do the...
by Miriam2
Wed Aug 19, 2020 8:17 pm
Forum: Personal Investments
Topic: 401k to Traditional to Roth
Replies: 39
Views: 1740

Re: 401k to Traditional to Roth

. . . . The balance on my 401k is $730k. I have been doing backdoor Roth IRA for the past several years and would like to keep doing it. Outside of rolling over to my new 401k, I do not want the money sitting in a traditional ira. So my question is whether or not it makes sense to take the hit to c...
by Miriam2
Wed Aug 19, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8390

Re: A primer on backup battery systems for power outages

UPSs come in different classes. Once you’re past the cheapie consumer models, you can get 220v systems, rackmount systems, double conversion, extended run, etc. Are these 2 considered the cheapie consumer models? :wink: https://www.apc.com/shop/us/en/products/APC-Back-UPS-NS-Network-40-8-Outlet-120...
by Miriam2
Tue Aug 18, 2020 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Form 2210 ignored by IRS?
Replies: 13
Views: 1229

Re: Form 2210 ignored by IRS?

The transcriber is keying in numbers for 8 hours a day. Their eyes are tired, their hands are tired, and they just want to finish your return and go home. They don't care what the instructions to form 1040 and form 2210 say. How do you fill out the return to minimize the risk of a transcription err...
by Miriam2
Tue Aug 18, 2020 11:41 pm
Forum: Personal Investments
Topic: 401k to Traditional to Roth
Replies: 39
Views: 1740

Re: 401k to Traditional to Roth

. . . . The balance on my 401k is $730k. I have been doing backdoor Roth IRA for the past several years and would like to keep doing it. Outside of rolling over to my new 401k, I do not want the money sitting in a traditional ira. So my question is whether or not it makes sense to take the hit to c...
by Miriam2
Tue Aug 18, 2020 6:26 pm
Forum: Personal Investments
Topic: 401k to Traditional to Roth
Replies: 39
Views: 1740

Re: 401k to Traditional to Roth

. . . . The balance on my 401k is $730k. I have been doing backdoor Roth IRA for the past several years and would like to keep doing it. Outside of rolling over to my new 401k, I do not want the money sitting in a traditional ira. So my question is whether or not it makes sense to take the hit to c...
by Miriam2
Tue Aug 18, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8390

Re: A primer on backup battery systems for power outages

Universal power source systems like that are only designed to operate for a few minutes, just long enough to shut down a desktop computer and similar items. The specific model you linked to is only rated to provide a 100 watt load for a maximum of 12 minutes. The type of system in the OP would have...
by Miriam2
Tue Aug 18, 2020 6:09 pm
Forum: Personal Investments
Topic: 401k to Traditional to Roth
Replies: 39
Views: 1740

Re: 401k to Traditional to Roth

current 401k is VINIX (0.35% ER) . The new 401k is: FXAIX - Fidelity 500 Index Fund at 0.015% FSKAX - Fidelity Total Market Index Fund at 0.015% The new 401k is cheaper, but I prefer Vanguard VINIX (could be misconception on it being efficient) Teramesher - you might check your ER for the VINIX My ...
by Miriam2
Tue Aug 18, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8390

Re: A primer on backup battery systems for power outages

Regarding backup battery systems for computers & electronics during power outages - We have a universal power source battery that provides surge protection only on its outlets on one side of the battery and battery backup & surge protection on the outlets on the other side of the battery. It is an A...
by Miriam2
Mon Aug 17, 2020 4:02 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 56
Views: 6195

Re: Roll Call for the Retirement Class of 2021!

I would like to submit my candidacy for the Retirement Class of 2021 :) Your submission has been reviewed by the appropriate committee and your Candidacy for Admission to the Retirement Class of 2021 has been accepted with flying colors and great fanfare :sharebeer I considered an early retirement ...
by Miriam2
Mon Aug 17, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Large pay cut for better quality of life
Replies: 82
Views: 7487

Re: Large pay cut for better quality of life

. . . I just retired from that workplace in 2017, thirty-six and a half years later. I wouldn't trade my time there for anything. . . . I really enjoyed reading your experience, oldcomputerguy :happy My story is similar with the same satisfaction. I took a pay cut to work in the same profession, bu...
by Miriam2
Mon Aug 17, 2020 3:41 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 454
Views: 117753

Re: South Florida Local Chapter

South Florida Bogleheads!

The Bogleheads Virtual Online Chapter is having an online zoom meeting Tues. Aug. 18, 2020, at 8:00 pm, Florida time. 8-)

www.bogleheads.org/forum/viewtopic.php? ... 0#p5428483 - this link has the link

The presentation will be international investing.
by Miriam2
Sun Aug 16, 2020 11:11 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 524
Views: 191269

Re: Forum software upgrade bug reports and change requests

The links in the lower menu (above the thread title) are arranged in a hierarchy called "breadcrumbs". Click on the level you want to navigate in the forum. The "Board index" is at the top level. "Your posts" is actually a search result using the built-in forum search engine. The hierarchy (breadcr...
by Miriam2
Sun Aug 16, 2020 10:53 pm
Forum: Investing - Theory, News & General
Topic: Latest Thoughts from Larry Swedroe
Replies: 35
Views: 5341

Re: Latest Thoughts from Larry Swedroe

I can't speak for Larry of course but he has often written about lower valuations leading to future higher expected returns . . . I would search Larry's Twitter feed to find such articles, if they exist. I didn't go too far down the feed for this post. You might try an internet search with Google o...
by Miriam2
Sun Aug 16, 2020 10:16 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 56
Views: 6195

Re: Roll Call for the Retirement Class of 2021!

Please add me! Current plan is July 2021, age 60. DW will join me two years later. :sharebeer Ok cdc, we added you to the 2021 Roll Call - welcome to this Outstanding Retirement Class! You'll be punching out in about a year and time will really fly by. Before you know it, you'll be scrambling to ge...
by Miriam2
Sat Aug 15, 2020 11:24 pm
Forum: US Chapters
Topic: [Virtual online chapter - Master thread]
Replies: 136
Views: 38205

Re: [Virtual online chapter - Master thread]

lazylarry wrote: Wanted to let folks know of the next meeting for Tuesday August 18th 2020 at 8pm Eastern Time- sorry for the short notice but hopefully folks will be able to attend.
Sounds like an interesting meeting, lazylarry, thanks for organizing!