Bogleheads.org

Miriam2

Reminder for our Sun. Jan. 27, 2019, meeting from 12 noon to 2:00 pm in Hollywood 8-) Our special guest is a Vanguard Senior Financial Advisor from the Personal Advisor Services (PAS) at Vanguard. Taylor and the Larimores will be treating everyone to a light lunch 8-) Please see up-thread for direct...

Miriam2

I worked my last day yesterday. So long Megacorp, hello happiness. Congratulations Tycoon and best wishes for a long enjoyable retirement filled with wonderful new experiences :happy And don't mess with Texas 8-) Thank you. Let the final journey begin. 8-) Tycoon - what happened to Texas?? :shock: ...

Miriam2

Hi all! My DW introduced me to this wonderful site nearly three years ago with a simple ‘Here, you might like this’. Ever since I’ve been immersed in reading (and re-reading) posts and wikis on allocation, simplification, tax efficient placement, conversion strategies, withdrawal strategies, and mo...

Miriam2

I worked my last day yesterday. So long Megacorp, hello happiness. Congratulations Tycoon and best wishes for a long enjoyable retirement filled with wonderful new experiences :happy And don't mess with Texas 8-) Thank you. Let the final journey begin. 8-) Tycoon - what happened to Texas?? :shock: ...

Miriam2

dm200 wrote: ↑ How might we apply the "Boglehead" philosophy to our funeral and burial plans/expenses?

Here is another recent thread with interesting discussion

Preparing financially for our funerals

Miriam2

8-) South Florida Bogleheads - meeting Sun. Jan. 27, 2019, from 12 noon to 2:00 pm - see up-thread for directions Our meeting topic is "Vanguard Personal Advisor Services: Is it for you?" We have a special guest coming from Vanguard to discuss Vanguard's Personal Advisor Service (PAS) and take Q's. ...

Miriam2

Who will speak for us now that John Bogle is dead? Is there anyone else in the financial services industry advocating for the individual investor? Think of it this way: John Bogle started the revolution. It is up to us to carry it forward. Here's a common-man tribute to Jack Bogle as a revolutionar...

Miriam2

Here is what I wrote on the forum after meeting Jack Bogle for the first time at the 2015 Bogleheads Conference: Bogleheads: For those of us who were unable to attend, what is the single most important thing you learned at Bogleheads 15. Thank you and best wishes. Taylor "I learned that John Bogle i...

Miriam2

Log on to Vanguard and you'll find a nice photo of Jack Bogle and a nice tribute to him:

https://investor.vanguard.com/home/

https://investornews.vanguard/a-look-ba ... s-founder/

Miriam2

Jack Bogle is a hero for the common person, the working person, the revolutionary 8-) "A Salute to John Bogle, A Real F**ing People's Hero," Half a trillion dollars that would have gone to Wall Street m** for no good reason has instead gone to Joe and Jane Average investors and retirees, thanks to J...

Miriam2

Information about Jack Bogle and the text and links for his many speeches and papers are here on his blog, The Bogle eBlog.

Oh, to be as mentally sharp, knowledgeable and opinionated as Jack Bogle was to the end

Miriam2

www.plumbers911.com

Miriam2

Hi Everyone! Long time lurker here, posting for the first time to join the 2019 retirement roll call! My target last day of work is May 10, and I’ll be 44. My husband is retiring a couple of weeks before me, and will be 52. We have an amazing early retirement plan and I am (literally) counting the ...

Miriam2

I live in the Huntsville area and would also be interested. However it looks like the chapter is listed as inactive. I wonder what happened, just not enough interest? Yes, I agreed to be the host and organizer for the local chapter of Bogleheads. We had some meetings, and I was holding those during...

Miriam2

We had an active email thread going for a while but it fizzled out. A Facebook group might be good but I don't know if it would do the same. Here is what the South Bay/San Jose, Calif chapter does to keep in touch & sign up - www.bogleheads.org/forum/viewtopic.php?f=9&t=161711&start=100#p4298056 An...

Miriam2

On Retirement Permahold 8-) TheTimeLord (class of 2014/2015/2016/2017/2018/2019 . . to infinity and beyond! . . ) Please sign up if you wish to be included in this Fantabulous Class :D Being the charter member of the Infinity Class is a high honor indeed. The Infinity Class! And our very own TimeLo...

Miriam2

kjsammy wrote: ↑May, 2019. Will be 65 that month.

Thought I would retire last fall but switched to part time until May.

Ok good, let us know your R-date and we'll log you into the 2019 Roll Call Class

Any plans for retirement? How about the Bogleheads Conference in October?

Miriam2

Tycoon wrote: ↑
Fri Jan 11, 2019 8:09 am
I worked my last day yesterday. So long Megacorp, hello happiness.

Congratulations Tycoon and best wishes for a long enjoyable retirement filled with wonderful new experiences

And don't mess with Texas

Miriam2

Bogleheads covers people at different stages of their life, and at multiple income levels. Don't be intimidated by the folks who have ridiculously large salaries or portfolio balances. The advice is the same, and the math works at all income levels. Reading some old posts about taxable accounts and...

Miriam2

jthokie4 wrote: ↑. . . Anyone raised 3 kids without buying a 3-row vehicle?

3 kids = 1 kid per row = 3 rows + rows far enough apart = to keep kids from teasing each other = reduced parental stress

Miriam2

Toyota of whatever size you need - Highlander, 4Runner or Sequoia. Don't buy a Chevy unless you're made of money and enjoy spending your life at the mechanic's. May be true of some Chevy models, but my Suburbans (2 Suburbans 18 years) have been relatively easy maintenance, few real problems. And I ...

Miriam2

Here is the latest Yes-Coming List for our Sun Jan 27, 2019 meeting 8-) Larry Auton (Boglehead "mingstar" - our Bogleheads.org server-maintainer & site owner :D ) Taylor Larimore Taffy Michael & Joyce Larimore Jazzman VSMiami Jazzysoon Mikeal & Mrs Mikeal Kitty Telltales & Mr. Kitty Ted B Deborah S ...

Miriam2

The tracking site has been updated. Please let me know if I got your entry incorrect... I wrote a script that collects a lot of the data, but some of it is a manual process and I don't want to make a mistake with your guess. :-) Tracking site https://www.lostoak.com/ls/diehards/contest Ralph, the t...

Miriam2

^^^^^ and another "great coincidence" . . . Looks like the normally sage, sensible, sound and sober David Jay has gone delirious with his Retirement Day approaching :D This is what he posted - while clearing out his office - on his most recent "financial" thread - which was about Undershirts :shock:...

Miriam2

Sorry if I am a bit giddy, I started the process of cleaning out my office today: It's time for the updated Roll Call for our up-n-coming Retirement Class of 2019! 01 Jan - Tzoellner (60) <<== Welcome to the Class!! 02 Jan - bhsince87 <<== Welcome to the Class!! 05 Jan - Canoesmith 11 Jan - Tycoon ...

Miriam2

I retired on 1/31/2018 and haven't looked back. I was 64 1/2 and my company made me an offer that I couldn't refuse. I have hiked over 1,500 miles since that day and have doe some section hiking on the Appalachian Trail. I kind of wish that I move my assets to BND in September, but am slowly recove...

Miriam2

David Jay wrote: ↑
Mon Jan 07, 2019 10:48 am
Retirement starts in 8 days.

Big plan is a West Coast RV trip, seeing relatives (both sides of the family) and northern tier National Parks. Leave around Easter, get back in mid-to-late June.

Very nice plans!

Miriam2

8foot7 wrote: ↑My MIL passed in 2017 and while Acura gave us grief about turning the car in early, we eventually got the rest of the lease waived. (They originally wanted the remaining lease payments paid out of her estate money.) . . .

Interesting, thanks

Miriam2

You asked for a "large SUV." I am driving my second Chevy Suburban. Bought my first Suburban on Valentines Day 2000 8-) and drove it 10 years/150,000 miles. Bought my second Suburban on Mother's Day 2010 - and still driving it everywhere. It drives like a cloud, smooth as butter. Pack anything and e...

Miriam2

TheHouse7 wrote: ↑Got excited when I saw the change roll out this fall, I had the same asperations as the OP. I told my wife how happy I was about admiral shares and she was like

Miriam2

JustinR wrote: ↑They don't.
Dividends don't make you wealthier at all. They do just the opposite: reduce your return.

How do dividends "reduce your return?"

Miriam2

In October 2019 I will begin my 21st year retired. I will become 86 years of age before that. My wife and I will have our 59th wedding anniversary in December. We will start our 33rd year being an Indy Colts season ticket holder. We will eat out at least once a week in a good restaurant. We will at...

Miriam2

. . . currently work for an environmental consulting company in Miami for the past 7.5 years. I currently live in Broward County (not as expensive as Miami, about 40 miles north). My wife has not worked since my second kid was born in late 2017, but is starting part time work this month. It just se...

Miriam2

bhsince87 wrote: ↑ Today was my first day of retirement!

I actually got holiday pay for yesterday.

Hi bhsince87,
Hope they paid you a lot of money, after all the hard work you did for them

Best wishes for a long and enjoyable retirement - we rebooted you onto the Roll Call

Miriam2

I ran into a similar pile of mine while in an ill and manic mood several years ago. I don't think the thought of scanning them even crossed my mind. If it did, it didn't overpower my repulsion at handling all those dusty statements any more than necessary. They were unable to escape my trash bag. ....

Miriam2

One advantage of leasing over buying becomes realistic after retirement : taking advantage of low-cost, low mileage offers. If you read the small print on those leases for cars on TV commercials, they include mileage figures that are not attainable for most people who drive average distances to wor...

Miriam2

RudyS wrote: ↑
Miriam2 wrote: ↑ South Florida here - it DOES get down to a frigid 59-49 degrees here sometimes in the winter and we have to bring out our LLBean fleece
But if you are coming from a colder location, the warmer clothes will be on your back.

Hmm, yes, but Rudy, I need LOTS of fleece

Miriam2

Here is the Roll Call for the Retirement Class of 2018 - and what a great class it is :D We have 72 graduates who are delighted to BE RETIRED - and now the only thing they have to worry about is Sequence of Returns risk :oops: Our youngest retiree is noobogle (late 30's), then amp at 47. Our oldest ...

Miriam2

South Florida here - it DOES get down to a frigid 59-49 degrees here sometimes in the winter and we have to bring out our LLBean fleece

Miriam2

Doing my annual financial housekeeping. I have stacks of old statements from retirement accounts (IRAs and 401k plans) that we have since closed and rolled over into Vanguard and the TSP. Is there any reason at all to keep statements from old retirement accounts that have been closed? I'm in the ne...

Miriam2

teddytimtam wrote: ↑Who is planning to max out IRA (Traditional/Roth/Backdoor) today??
Any reason to dollar cost average given the downward trend in the market?

To quote Toons - "All In"

Nothing on the sidelines.

Miriam2

My budget is being tracked in ynab. Good 8-) I have a $93 per month card with ~$700 left that I plan on pay off soon using proceeds from my roth IRA . Paying off lower balance cards first will free up money for the others. What is this "using proceeds from my Roth IRA"? Do you mean - withdrawing mo...

Miriam2

I am most proud of a post I made in the middle of the Crisis, September-October 2008 I think, about what to do/ not to do. Stressing the gravity of the situation, and the danger the financial system was in. However I also advocated staying the course , and making only modest adjustments if unemploy...

Miriam2

Hello South Florida Bogleheads and our Boglehead Snowbirds 8-) Reminder for our next meeting Sunday, Jan. 27, 2019, from 12 noon to 2:00 pm , in Hollywood, Florida. Location - Stirling Road Branch, Broward County Library, large conference room 3151 Stirling Road, Hollywood, Florida Directions - From...

Miriam2

I think the problem is that you live in an extremely high cost of living area on an average income. Your income may be fine for some areas of the country, but not Miami. Perhaps think about this - -- What are you using the credit cards for now that you cannot pay for from your income? That may give ...

Miriam2

2240.00

Miriam2

The latest ACA ruling may cause a delay, but as of now you can update my info and put me down for 12/31/2019. I will be 60 - 3 months shy of 61. Ok Claycord, we updated the Roll Call with your new information :happy Paperwork submitted. 11 Jan - Tycoon Thank goodness you got it in on time :wink: We...

Miriam2

I'm a little late to the roll call. Put me down for Sept 5. I lurked on the site for about 10 years and gained so many insights. Then I purchased the Bogelheads Guide to Retirement Planning. I think I ran FireCalc and I-ORP weekly for about a year! Everything pointed to retirement being viable. Con...

Miriam2

bertilak wrote: ↑I retired H.L. Mencken and switched to Rudyard Kipling!

Good choice

Miriam2

. . . It’s also improper for an attorney to use “Esq.” after their name, but that’s a different story. Just curious about why the "Esq." is "improper"...? I thought it was sort of standard to use it. “Esq.” is a social title of “gentleman”, which is above that of Mr., Mrs., or Ms. Using a social ti...

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