Search found 2899 matches

by Miriam2
Mon May 25, 2020 6:18 pm
Forum: Personal Investments
Topic: FL 529 best for 100% US total stock market?
Replies: 4
Views: 313

Re: FL 529 best for 100% US total stock market?

Perhaps one reason the Florida 529 Plan is not as popular is that it is more of a "work in progress" and has not been rated as high as other state plans over the years. Morningstar has an excellent comparison article, rating the different plans, and said that the Florida 529 Plan had made great impr...
by Miriam2
Mon May 25, 2020 4:36 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

"There's one thing I've always wanted to do before I quit. Retire."

(Groucho Marx in "Animal Crackers")

We are happy to announce that the Roll Call for the Retirement Class of 2021 is now open :D

viewtopic.php?f=9&t=315877
by Miriam2
Mon May 25, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 140
Views: 17019

Re: Any Instant Pot users here?

iceport wrote:
Miriam2 wrote: I just love it when engineers try to cook simple things :D
:)
:beer
Another fond Bogleheads thread - with engineers trying to cook Beef Roast :D
by Miriam2
Mon May 25, 2020 4:11 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 31
Views: 2185

Re: MEMORIAL DAY

We appreciate your post so much Taylor. We must not forget the most valuable service you and your fellow soldiers gave for our country.
by Miriam2
Mon May 25, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 140
Views: 17019

Re: Any Instant Pot users here?

. . . It seems as though this is another benefit of pressure cooking: it cooks at temperatures well above the boiling point, due to the pressure. I cook dried (not pre-soaked) beans at high pressure, typically for over 30 minutes. According to this rather authoritative-looking site, the temperature...
by Miriam2
Mon May 25, 2020 3:50 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 0
Views: 111

Roll Call for the Retirement Class of 2021!

:idea: How does this sound?! https://prodimage.images-bn.com/pimages/9781646040438_p0_v13_s550x406.jpg The Roll Call for the Retirement Class of 2021 is now open! Are you planning to RETIRE in 2021? Congratulations! 8-) To add your name to this Roll Call, just post your R-date and age, if you choose...
by Miriam2
Mon May 25, 2020 3:33 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

After 35 years in management and 60 years old, I informed my boss I plan on retiring from PERS ( CA Government Pension) either in Aug. or Nov. . . Next step, figure out my last day of work and submit my letter of retirement. Either way, I will be in the class of 2020! Nice! We'll include you on thi...
by Miriam2
Sat May 23, 2020 5:50 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

May 29, 2020 (63) Welcome to the Bogleheads, benladel, and welcome to this most Prestigious Retirement Class of 2020! So, what brings you to the Bogleheads and what do you have planned for your retirement adventures? it's right around the corner, a mere week away, and you'll be out and free to enjo...
by Miriam2
Sat May 23, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 130
Views: 8863

Re: Gardening 2020

It's been cool and wet this May in my area and my vegetables are lagging behind previous years. Everything is growing, just slower. I typically have plenty to harvest by the first week of July but this year might be a couple of weeks later. Every year is an adventure! I felt all warm and excited wh...
by Miriam2
Sat May 23, 2020 1:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 427
Views: 69152

Re: Roll Call for the Retirement Class of 2019!

We're up-dating and re-booting this Awesome Roll Call for the Retirement Class of 2019! We have 79 very happy graduates who punched out of the rat race! Our youngest retiree is PhysicianOnFIRE at age 43, who nudged out Vagabondette at age 44 :wink: Our oldest retiree is Goodmand3 at age 75, ahead of...
by Miriam2
Mon May 18, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 130
Views: 8863

Re: Gardening 2020

Zone 10 - South Florida Tropical Paradise weather 8-)
Next 7 days - High 84-87 - Low 73-76
Thunderstorms every afternoon - we need the rain. My flowers are happy.
by Miriam2
Sun May 17, 2020 10:44 pm
Forum: Personal Investments
Topic: Vanguard PrimeCap Core
Replies: 12
Views: 1460

Re: Vanguard PrimeCap Core

. . . Also, due to it being closed, I’ve likely succumb to the notion of not wanting to close the door on myself should I leave. This is behavioral finance at its best and I admit I've spent a good part of my investing life succumbing to this "if I sell I close the door to the future, therefore do ...
by Miriam2
Sun May 17, 2020 9:48 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 112997

Re: South Florida Local Chapter

Hello South Florida Bogleheads! 8-) Nice to hear everyone is still learning and investing. As soon as we can get together, we will - and I will post everything here on this thread. However, several other Bogleheads local chapters are holding zoom meetings and inviting Bogleheads in other areas of th...
by Miriam2
Thu May 14, 2020 1:55 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

Umk gave us his retirement plan 8-) I had thought about this for a LONG time before the actual retirement date. Here is my plan: 1. Exercise - 1 hour daily (I plan to run, bike, walk, run, bike, walk, rest 1 day). I want to start preparing for Half Marathon. I can barely run 5 miles. 2. Reading book...
by Miriam2
Thu May 14, 2020 1:51 pm
Forum: Personal Investments
Topic: Advice for 22 year old on investing for home downpayment?
Replies: 29
Views: 1784

Re: Advice for 22 year old on investing for home downpayment?

I am just starting my career. I read a fair amount of personal finance advice and I believe that I will have a sum of money left over this year to invest for a home down payment (after first allocating money for living costs, emergency funds, retirement etc.). I was hoping to develop a simple lazy ...
by Miriam2
Thu May 14, 2020 1:43 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15865

Re: Bird watchers – what birds are you seeing?

I'm just an amateur bird watcher in nearby parks and from my porch enjoying the usual robins, sparrows, finches, mourning doves, bluejays, an occasional cardinal and endless other species I can't identify. I often wonder what’s so relaxing about watching birds, but relaxing it is. And also fun. Som...
by Miriam2
Tue May 12, 2020 5:18 pm
Forum: Personal Investments
Topic: Thoughts about VDADX in Roth IRA?
Replies: 31
Views: 1417

Re: Thoughts about VDADX in Roth IRA?

OP, I have the uneasy feeling that you have not thoroughly researched the pros and cons of using your Roth to pay for your child's college and how you would save in it for 18+ years until you use it for college. I asked our friend Google the following Q - "Can I use my Roth to pay for my child's col...
by Miriam2
Tue May 12, 2020 4:31 pm
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7853

Re: Ally lowers APR on savings from 1.5% to 1.25%

. . . During the years after the GFC in 2008, when the federal funds rate lower limit target was 0%, Ally online savings lowest APY was 0.84%. I have posted several times recently that I expect their savings rate to drop toward the 1% ballpark in the coming weeks or months, as long as the FFR is ne...
by Miriam2
Mon May 11, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7853

Re: Ally lowers APR on savings from 1.5% to 1.25%

anon_investor wrote: The Ally 15 month select CD is still 1.55%, who knows for how much longer though...
https://www.ally.com/go/bank/15m-select-cd/
Thanks. This CD also permits initial deposit of less than 5,000 for same 1.55%, good for teaching kids :happy
by Miriam2
Mon May 11, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4094

Re: What age do you use for retirement end date?

Teague wrote: . . . Personally, I put "100 years" into those calculators.
Vanguard Personal Advisors now also use 100 years old as the default time frame for retirement portfolios.

Taylor Larimore is 96 years old and still going strong :D
by Miriam2
Mon May 11, 2020 7:24 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

After 19 years at the same company (without ever getting a single promotion), I turned in my laptop, corporate card and badge last Thursday 5/7/2020 around 11 am and walked out of the building without any regret. I am looking forward to my retirement and freedom. (Age 52) :beer Haha! I never had a ...
by Miriam2
Mon May 11, 2020 6:51 pm
Forum: Personal Investments
Topic: Thoughts about VDADX in Roth IRA?
Replies: 31
Views: 1417

Re: Thoughts about VDADX in Roth IRA?

We actually just open a Roth IRA for my daughter (1 year old) college fund. So long horizon. I am thinking of total US market stock and total bond index Still need to think of what is a good ratio. Thanks for the input! Does a 1 year old daughter qualify for a Roth IRA? I think you need to have ear...
by Miriam2
Mon May 11, 2020 6:32 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15865

Re: Bird watchers – what birds are you seeing?

This is the most glorious thread on the Bogleheads forum - thank you JAZZISCOOL for starting this :D You're welcome! I know it is not a consumer financial or investment topic but it's a fun and interesting topic for some BH's, especially during a global pandemic! :happy Well, Jazziscool - if the fo...
by Miriam2
Mon May 11, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15865

Re: Bird watchers – what birds are you seeing?

This is the most glorious thread on the Bogleheads forum - thank you JAZZISCOOL for starting this :D
by Miriam2
Mon May 11, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 58
Views: 4363

Re: At what moment does retirement begin?

For your retirement, at what moment will it, or did it actually begin? Maybe the standard time is midnight just as the date changes, like on the New Year. But since it’s YOUR RETIREMENT you can pick the moment, correct or not? I’m thinking my retirement will begin at sunrise on the first day. I’m p...
by Miriam2
Mon May 11, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 58
Views: 4363

Re: At what moment does retirement begin?

For your retirement, at what moment will it, or did it actually begin? . . . What got me started on this was looking for a retirement countdown app. And I found a simple countdown app just for retirement; but rats!; it only lets you pick the day, not the moment by hour, minute, and second! OK tetra...
by Miriam2
Mon May 11, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard May 7 Webcast
Replies: 19
Views: 1823

Re: Vanguard May 7 Webcast

Eagle33 wrote:
Miriam2 wrote: I feel left out :( I've signed up for Vanguard webcasts, yet they didn't tell me about this one. What sign-up link was used for this one?
The only things I am signed up for is the In The Vanguard newsletter. Unless Flagship status gives me more email notifications?
Thanks!
by Miriam2
Sun May 10, 2020 10:50 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

Please add me to the retirement class of 2020. I contacted my manager a couple of weeks ago and told him that I wanted to retire later this year at 56 years old. We worked out a plan where I will train my replacement (remotely, as I already work from home) over the course of the summer. My last day...
by Miriam2
Sun May 10, 2020 10:36 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

I am retired or at least trying it on to see how it fits. Covid-19 caused a lot of disruption and stress at work and I got caught up in the last wave of reductions. Descent possibility I could be recalled in the second half of the year but at this point I have no plans to return. . . . Right now I ...
by Miriam2
Sun May 10, 2020 6:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

A portion of Jack Bogle's first post here on the Bogleheads forum, Jan. 3, 2009 : This is one of the toughest times I've ever seen to figure out what--if anything--to do with our portfolios. . . . the stock market decline--some 40% from the high a year-plus ago, even after the little year-end/year ...
by Miriam2
Sun May 10, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard May 7 Webcast
Replies: 19
Views: 1823

Re: Vanguard May 7 Webcast

I feel left out :( I've signed up for Vanguard webcasts, yet they didn't tell me about this one. What sign-up link was used for this one?
by Miriam2
Sat May 09, 2020 2:17 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

Retirement date May 29th 2020. 32 years 10 months United States Postal Service. Congratulations George and welcome to The Active Retired Force, where we stay physically and mentally busy and enjoy our well-deserved retirement. You worked a good service and now you can enjoy a good time off - we wis...
by Miriam2
Sat May 09, 2020 1:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard May 7 Webcast
Replies: 19
Views: 1823

Re: Vanguard May 7 Webcast

MisterMister wrote: Many of you may know Vanguard had a live web cast yesterday concerning investing in the current climate.
Did they say anything about their forecast for investing in international stocks and bonds?
by Miriam2
Fri May 08, 2020 10:45 pm
Forum: Personal Investments
Topic: Thoughts about VDADX in Roth IRA?
Replies: 31
Views: 1417

Re: Thoughts about VDADX in Roth IRA?

So if I want an allocation of 70/30, I should probably build my bond allocation in Roth IRA. I think maybe someone should comment on the bolded portion above? van_sun_38 - I don't think there is a "should" with bond investing - as you read in the posts above, it depends on your total portfolio, inc...
by Miriam2
Fri May 08, 2020 10:22 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

Just retired a month ago, 4/1 to be exact, Turning 59 soon. Worked most of my career for large publicly traded companies, was 21 years with the last one. Work was mostly enjoyable, but I’m WAY ready to move on to the next chapter😁 Welcome to the Bogleheads, Jtrob2, and welcome to this Venerable Ret...
by Miriam2
Fri May 08, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4579

Re: 529: Your favorite low cost one?

Key requirements: 2 - Ability to potentially use other good conservative Vanguard funds closer to the time I need to spend down the portfolio to keep the funds stable. Basically I want to manage my own glide path as needed. I would like the ability to use funds such as Wellington or Wellesley. In a...
by Miriam2
Fri May 08, 2020 4:27 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

My freedom date is April 1,2020. I was asked to stay on a year to help with transition from acquisition of my firm. Will be 61 and am hanging in there..😎 Well, I made it.. sure did not expect Covid world and the related impact on our lives at Freedom Time.. In any event, will make the best of it li...
by Miriam2
Fri May 08, 2020 3:59 pm
Forum: Personal Investments
Topic: Recession coming (?) any change in investments?
Replies: 82
Views: 7150

Re: Recession coming (?) any change in investments?

<< I have (larger than before) emergency fund, >> This has no meaning. How many months of expense is it? <<3 kids who have around 3/4th of their college education funds saved for. >> How old are the kids? A) If you are unemployed for more than 2 years and the stock market drops 50%, how much money ...
by Miriam2
Fri May 08, 2020 3:53 pm
Forum: Investing - Theory, News & General
Topic: ‘Friends of Jack’ to discuss Bogle’s legacy-Tuesday 5/5
Replies: 15
Views: 1427

Re: ‘Friends of Jack’ to discuss Bogle’s legacy-Tuesday 5/5

Thanks so much Paul Romano and Georgia Dawg for posting this for all of us here on Mr. Bogle's favorite forum :happy
by Miriam2
Thu May 07, 2020 11:11 pm
Forum: Personal Investments
Topic: Thoughts about VDADX in Roth IRA?
Replies: 31
Views: 1417

Re: Thoughts about VDADX in Roth IRA?

I am in the process of simplifying my portfolio and thinking of converting to only one fund in my Roth IRA. What your thoughts on VDADX (Vanguard Dividend Appreciation Index Fund) as the only fund in Roth IRA? . . . My logic is that if the money in Roth IRA is going to grow tax free, why not put th...
by Miriam2
Thu May 07, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15865

Re: Bird watchers – what birds are you seeing?

Texas Panhandle . . . Stupid grackles I would like to say something on behalf of grackles. They are really neat birds. They are glorious shiny blue-black, look you right in the eye, tough and opinionated and don't need your hand-outs. The ladies are a svelte soft brown. The boat-tail grackles have ...
by Miriam2
Thu May 07, 2020 8:20 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 388
Views: 78065

Re: Roll Call for the Retirement Class of 2018!

Late to the party. Was laid off March 2018, but it was retirement at age 64! Hi Lalamimi! No one is never late to the Retirement Roll Call! Congratulations on your retirement and welcome to the Class! Company paid our Cobra until we got on Medicare by year end. We had just purchased our forever hom...
by Miriam2
Thu May 07, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4579

Re: 529: Your favorite low cost one?

They're here: https://investor.vanguard.com/529-plan/list#/529-plan/asset-class/month-end-returns . Technically they don't offer direct access to ETF / mutual funds - instead they offer "portfolio" products, each a wrapper around the underlying ETF / mutual funds. Thank you for this link. Are these...
by Miriam2
Thu May 07, 2020 6:19 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

LadyGeek wrote: Hello, World! LadyGeek has landed in retirement! :beer
YIKES!! What's to become of the World?! Watch out World! :D
by Miriam2
Thu May 07, 2020 6:15 pm
Forum: US Chapters
Topic: first post since 2010!
Replies: 13
Views: 1335

Re: first post since 2010!

Here is your first post on May 15, 2010 - so how did your dollar cost averaging deposits work out? :D I invest in Total Stock market Index Fund and Total International Stock Index Fund($100) every tuesday ($200) and friday ($200) for 5 years. I think for the last 3 years fridays and tuesdays were t...
by Miriam2
Thu May 07, 2020 3:09 am
Forum: Personal Investments
Topic: What are "Structured Products"?
Replies: 10
Views: 679

Re: What are "Structured Products"?

I am hoping someone can provide some insight to the following investment holdings that my mom owns (especially the first five line items) [structured products]. Background is that my mom is 85 years old and these investments represent probably 90-95% of her liquid net worth. She has zero debt and l...
by Miriam2
Thu May 07, 2020 1:57 am
Forum: US Chapters
Topic: first post since 2010!
Replies: 13
Views: 1335

Re: first post since 2010!

Hi all! This is my first post since 2010. I would like to share my progress since. I am 50 already. because of Jack me and my wife are on FI level. Due to unfortunate events I stopped working full time and working now twice a week, sometimes once a week. To be honest with you we consider it as a lo...
by Miriam2
Thu May 07, 2020 12:31 am
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4579

Re: 529: Your favorite low cost one?

I could have sworn that the Nevada Vanguard 529 plan let you hold your own customized ETF/mutual fund portfolio. In fact, I know I saw a page with the 529 allowable ETF/MFs listed. Now I can't find it. Can anyone tell me which Vanguard (or any) 529 plan allows you to build your own portfolio with y...
by Miriam2
Thu May 07, 2020 12:09 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 183
Views: 20980

Re: Roll Call for the Retirement Class of 2020!

OK. I am back to my original plan. I am meeting with the pension counselor 5/18 and retiring 6/30. The events of the last few months convinced me. Ok perfect, you're back on for June 30 - and for sure it seems to be a very wise decision. I mean, after 27 years in your profession and ready to retire...