Search found 1296 matches

by Miriam2
Thu Feb 23, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 8
Views: 536

Re: Ethical dilemma involving birthdays and wine..

Does this mean that for the last 8 years you have been receiving birthday bottles of wine from this fellow and you have never before sent him a thank you card?? :shock: :shock:

Yes, listen to your wife, she knows the social protocols :D
by Miriam2
Wed Feb 22, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7054

Re: New Boglehead Millionaire

Don't tell your family or friends or they might wonder if you could spare a little extra change :shock:
by Miriam2
Wed Feb 22, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 45
Views: 5962

Re: Vanguard opens special offices for $1 million clients

Daryl wrote:The only thing separating me from a "special office visit" are two miles... and $500,000!

Yes Daryl, but you sleep well at night :D
by Miriam2
Tue Feb 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Australia - Please help me with my first portfolio
Replies: 10
Views: 563

Re: Australia - Please help me with my first portfolio

I have updated my original to include further information, also I am thinking of copying my portfolio for my 5-month-old baby so when she is 18 hopefully she can have a good start. Hers would be started with 5k and then 1-2k per year until she is 18 year old. At 5 months old, I would guess your bab...
by Miriam2
Tue Feb 21, 2017 8:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 117
Views: 17715

Re: Sad News About a Respected Forum Member

The funeral home website has a button near the bottom, "Post a Condolence," that will allow you to leave a message for the family: http://www.bucktroutfuneralhome.net/obituary/lee-evans-marshall/ Nisiprius, Thank you for posting your condolences on the funeral home website, with nice comm...
by Miriam2
Mon Feb 20, 2017 12:31 am
Forum: Investing - Theory, News & General
Topic: Bull/Sell your stock before dividend date or after dividend date?
Replies: 9
Views: 1091

Re: Bull/Sell your stock before dividend date or after dividend date?

Suppose you want to buy a mutual fund for total stock market. There's VTSAX which gives dividends for times a year. There's SWTSX which gives dividends once a year. Assuming stock doesn't really change in price between the two days, would you want to BUY it the day before or the day after it's ex-d...
by Miriam2
Sun Feb 19, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 21
Views: 1383

Re: How do Taxes work with Mutual funds.

Dividends are reported at tax time to you and to the IRS on form 1099-DIV, while capital gains are reported on form 1099-B. I think that capital gains can also be reported on 1099-DIV - and someone please correct me if I'm wrong :shock: In my Vanguard taxable account, my form 1099-DIV (Dividends an...
by Miriam2
Sun Feb 19, 2017 7:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2560

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

What a remarkable 10th Birthday celebration! First our mentor, Jack Bogle, sent us a wonderful post :happy Then . . . ! Congratulations on reaching a double digit age. What a long strange trip it's been. Thank you to those who took on this labor of love and turned it into a REALLY BIG DEAL: tashina ...
by Miriam2
Sun Feb 19, 2017 11:17 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2560

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

To my beloved Bogleheads, Heartiest congratulations on the tenth birthday of the bogleheads.org forum. What a decade! What a service to investors! Yes, “if you build it, they will come.” And with 4,000,000 hits per day, it’s fair to say that intelligent, self-motivated investors came in droves. As ...
by Miriam2
Sun Feb 19, 2017 12:56 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2560

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

BrandonBogle wrote:Happy Birthday Bogleheads Forum!
Thank you Mel, LadyGeek, Triceratop, and the rest of the team (I know I missed many) for making this such a success, both on the front end facing us and the back end facing the systems and technical systems!

ahh - Taylor ?? :D
by Miriam2
Fri Feb 17, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4950

Re: The russians are hacking me

Hacking attempts are constant. You don't realize how much until you see reports on your own websites. +1. I had a web site that was nothing really. I was constantly under attack. It was shocking. Is this about websites that you have for a business or for personal matters, or are we also talking abo...
by Miriam2
Fri Feb 17, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any hope? [Portfolio help]
Replies: 4
Views: 1270

Re: Is there any hope?

Welcome to the Bogleheads labfan! It would be better if you were to edit your post to include the name of each fund (abbreviations ok) next to the tickers, since many of us are not familiar with every ticker. Greetings Kind People, Any suggestions / recommendations would be greatly appreciated. Rude...
by Miriam2
Fri Feb 17, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?
Replies: 31
Views: 1917

Re: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?

Short of the National Memorial Of The Pacific, this is one of the most desired and expensive places in Hawaii. Having lived in Hawaii, I agree. And so close to the beautiful ocean! My dear husband and I bought our non-Hawaii plots years ago and now realize they're near a cemetery walkway. Cannot de...
by Miriam2
Fri Feb 17, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 51
Views: 5981

Re: Fearful Investor and Close to Retirement

40% VT + 40% BND + 15% TIP + 5% CASH. It's simple. It's conservative (age in FI). 25% of FI (15% of port) protected from unexpected inflation. Thank you for your response. What is FI? Is VT a Vanguard Target Fund? FI means "fixed income" or usually bonds (note - FI also means Financial In...
by Miriam2
Fri Feb 17, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 51
Views: 5981

Re: Fearful Investor and Close to Retirement

AnnHW wrote:Goldenfan, I recently listed a similar question on anothe thread called "Stock Market Fears." You might want to read the advice there also.

Here is the link to the thread AnnHW mentioned.

viewtopic.php?f=1&t=211167
by Miriam2
Fri Feb 17, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5671

Re: Closed my Roth IRA due to political uncertainty - mistake???

I suppose I could've blundered far worse [don't be too hard on your hubby haha] I just feel a bit silly because after spending most of my adult not exactly being smart and/or responsible [ahem] I was proud of venturing into the land of grown-ups by opening my first IRA, only to make a rookie mistak...
by Miriam2
Thu Feb 16, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Year Old Newbie Seeking Boglehead Wisdom
Replies: 12
Views: 1069

Re: 28 Year Old Newbie Seeking Boglehead Wisdom

Really appreciate your input! Looks like I might be getting rid of Windsor II, as I can't even think of why I put it in my portfolio in the first place, plus I completely agree with your points. I have owned Windsor II for over 15 years. It makes me feel good to see all the dividends and short term...
by Miriam2
Thu Feb 16, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5671

Re: Closed my Roth IRA due to political uncertainty - mistake???

I certainly blundered and have created a lot of confusion with my vagueness. My apologies . . . WHEW! I feel like such a boob, but fingers crossed this will be cleared up without penalty. I've learned a lot from this experience and greatly appreciate all the input from everyone. Noooo dexter74! You...
by Miriam2
Thu Feb 16, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 5778

Re: Is it reasonable to have 100% in the stock market?

100% stock is reasonable for a very young investor but that is assuming that young investors all have high risk tolerances. I started out as a very cautious investor, my IRA was in FDIC Insured Certificates of Deposit until a friend went into the brokerage business. I moved my account to him and it...
by Miriam2
Wed Feb 15, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3622

Re: How do you handle switching your handbag?

With all due respect I think have figured out this cute female fixation with handbags and shoes. As a guy never notice handbags or shoes or jewelry for that matter, focus on other more elemental things. But suspect other women notice the accoutrements so my analysis is women buy fancy handbags and ...
by Miriam2
Wed Feb 15, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3622

Re: How do you handle switching your handbag?

This woman's purse/handbag stuff has always completely mystified me. My spouse uses 3 or 4 purses/handbags over the course of a week. It's always "I have to pack my purse/handbag" before she leaves the house. She seems to have an ungodly number of smaller bags that magically fit inside it...
by Miriam2
Mon Feb 13, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie
Replies: 5
Views: 320

Re: Newbie

Mr. Bogle's books are wonderful. The Boglehead forum Wiki also has a nice set of articles and videos for newbies on investing

https://www.bogleheads.org/wiki/Main_Page
by Miriam2
Mon Feb 13, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3801

Re: The Ned Said Effect strikes again

Last I checked, these stocks were 12.6% of my retirement portfolio. . . . I still enjoy working with individual stocks in my portfolio and so far they have not hurt me. Face it Nedsaid, you crave excitement, the thrill of the chase, you seek to exercise your animal spirits :P But that's ok, our men...
by Miriam2
Sun Feb 12, 2017 5:09 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2818

Re: [Bogleheads Sites Are Ad-Free]

All I'm arguing is that you could likely raise a lot more money a lot faster with an ad or two that regulars don't even see than brow-beating forum members all year long. This is the point. We want newbies to visit our site and see the wealth of knowledge they can learn and be part of with their fi...
by Miriam2
Sat Feb 11, 2017 11:11 am
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2304

Re: relocation [Bogleheads website temporarily relocated]

The permanent server is operating in its new home. I'll need to shut down the temporary server for a while to make the transfer to the permanent server. I will shut down the site starting at around 2:00 PM Saturday, February 11. I expect it to take a few hours to copy the data and get things back o...
by Miriam2
Fri Feb 10, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2948

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

From our Wiki wiki/Municipal_bonds Areas of note: Puerto Rico, Guam, and US Virgin Islands: No state can tax bond interest issued by US territories.[4] [4] Tax-Exemption from State Income Taxes, from http://www.MunicipalBonds.com " Bonds From U.S. Territories No state can tax bond interest issu...
by Miriam2
Fri Feb 10, 2017 6:21 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2818

Re: [Bogleheads Sites Are Ad-Free]

While there are obvious downsides to having a website with ads, there are also significant upsides. Imagine some of the things that could be done with ad revenue: 1) Pay the expenses of the speakers at the Bogleheads Conference 2) Offer scholarships for people to attend the Bogleheads Conference 3)...
by Miriam2
Thu Feb 09, 2017 11:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9049

Re: Your USER NAME...what does it mean?

. . . . . . . they talk and flatter Toad into buying a substantial number of shares in the "Arctic Pineapple Corporation" . Suspecting nothing, Toad gives up his Rolls-Royce to the phony stockbrokers as a "temporary" token, and then the real trouble begins. The weasels continue ...
by Miriam2
Thu Feb 09, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 882

Re: Airport for Tampa Area

Yes, Allegiant. I booked the Candlewood! Thank you so much for that recommendation. Under $100 vs $225 for Hampton Inn. You just paid my Bogleheads membership fee for a year...wait...it's free :wink: Noooo Leesbro63 - if you can afford pet insurance for that cute little dog up there in the hills of...
by Miriam2
Thu Feb 09, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Does Micheal Kitces Rising Retirement Glidepath Still have legs
Replies: 47
Views: 3754

Re: Does Micheal Kitces Rising Retirement Glidepath Still have legs

Based upon his misguided negative attitude against Back-Door Roths (and being the only one in this camp) I don't read anything Kitces writes. Not to deviate to much but I enjoy listening to dissent, please elaborate =) DaftInvestor is probably referring to these, among others: viewtopic.php?f=10&am...
by Miriam2
Thu Feb 09, 2017 2:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy 80%
Replies: 16
Views: 2854

Re: Vanguard Life Strategy 80%

I have this held in a tax free UK Stocks & Shares ISA account. I am allowed to put away up to £15,000 a year without any penalties. I am only putting away £200 a month, so nowhere near that figure. :D What are the main differences between VIOO and VIOV? I dont actually see it on the platform I ...
by Miriam2
Tue Feb 07, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: [Seth Klarman NY Times Article]
Replies: 19
Views: 1572

Re: SETH KLARMAN NY Times ARTICLE

I understand the lock in the other thread, but I did find the article interesting and useful - not for the "politics" but because we do not invest in a vacuum, we invest in the times in which we live and this is the time in which we live. Seth Klarman is a studious investor, not given to i...
by Miriam2
Mon Feb 06, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7286

Re: A Wellesley alternative

Hoops - have you seen the other Wellesley thread percolating on the forum 8-)
viewtopic.php?f=10&t=209617
by Miriam2
Mon Feb 06, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 18409

Re: Vanguard's Wellesley Income fund is incredible

I know the Vanguard Conservative Fund is also 40/60 but it's returns have been less than stellar compared to Wellesley IMHO. Two reasons for this difference may be - 1 - Vanguard LifeStrategy Conservative Growth is composed of 4 funds: Vg Total Stock 23.7%, Vg Total Bond II 42.6%, and Vg Total Inte...
by Miriam2
Sun Feb 05, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Walkable Florida
Replies: 17
Views: 1777

Re: Walkable Florida

Disney World is eminently walkable and affordable for Florida residents with annual passes. Victoria :D 8-) except during the months of May, June, July, August, September - and some Aprils and Octobers also - when, as tibbits says Walking in Florida is nice for a few months of the year. The rest of...
by Miriam2
Fri Feb 03, 2017 3:17 am
Forum: Personal Consumer Issues
Topic: Computer for elder novice
Replies: 36
Views: 1203

Re: Computer for elder novice

cheese_breath wrote:She can even post on Bogleheads with a Chromebook... as I'm doing right now.

edit: I just noticed, this is my 7,000th post, most of them with a Chromebook.

Congratulations Cheese_breath! Enjoyed every one of your posts :happy
by Miriam2
Fri Feb 03, 2017 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Whether or not to eliminate Vanguard Dividend Growth Fund
Replies: 2
Views: 542

Re: Whether or not to eliminate Vanguard Dividend Growth Fund

Just a note, for future plans, the Vanguard Dividend Growth fund VDIGX is currently closed to new investors.

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by Miriam2
Tue Jan 31, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 18409

Re: Vanguard's Wellesley Income fund is incredible

The Vanguard Equity Income fund is another excellent income fund. From the Vanguard website on Vanguard Equity Income Fund VEIPX: This fund is designed to provide investors with an above-average level of current income while offering exposure to the stock market. Since the fund typically invests in...
by Miriam2
Sun Jan 29, 2017 4:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7337

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Taylor won the Triple Crown :D - 93rd Birthday, 25,000 posts and Dow 20,000
by Miriam2
Fri Jan 27, 2017 1:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7337

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Thank you for posting your photo Danielle! Here is another nice photo from our South Florida local chapter meeting last Sunday when we all sang Happy Birthday to Taylor. The picture windows show the beautiful aquamarine waters of Biscayne Bay in Miami, where Taylor still sails every week (he's the s...
by Miriam2
Thu Jan 26, 2017 3:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2045 Fund (VTIVX) Question
Replies: 16
Views: 1639

Re: Vanguard Target Retirement 2045 Fund (VTIVX) Question

I say go for it! I'm 50, just opened a Roth Ira, and invested in the 2045 fund at Vanguard. As I understand it, you can always change it later if you need to. Yes, and the reason you can always change it later if you need to is that you have it invested in a Roth IRA, which has no tax consequences ...
by Miriam2
Thu Jan 26, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: T. Rowe Price Claims they consistently beat Indexing
Replies: 24
Views: 2674

Re: T. Rowe Price Claims they consistently beat Indexing

My husband has T. Rowe Capital Appreciation (PRWCX) in a tax deferred account with the higher ER .70 and I have Vanguard Wellington in my account with the lower ER .26. I was amazed at the significant financial effect of the lower ER over time when forum member #Cruncher crunched the numbers in anot...
by Miriam2
Wed Jan 25, 2017 11:04 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7337

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Dear Taylor,
We wish you a Happy 93rd Birthday and look forward to many more years of reading your helpful, cordial posts and learning from your years of investing experience :D
by Miriam2
Tue Jan 24, 2017 5:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31035

Re: South Florida Local Chapter

Is the best way to stay on top of things by checking this forum post or is there a MeetUp page or mailing list that also goes out? Yes, the best way to stay on top of things is to check this forum thread regularly; there is no other meet-up page. Meetings and locations are posted here. I sent you a...
by Miriam2
Tue Jan 24, 2017 4:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31035

Re: South Florida Local Chapter

Thank you everyone for such a warm and informative meeting :happy I learned new ideas about investing, it's good to talk about our investing experiences and plans with others. We had 37 Bogleheads and several late-comers who may not have signed in. The photos are wonderful and they capture the beaut...
by Miriam2
Tue Jan 24, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein "If You Can"
Replies: 18
Views: 4630

Re: Bill Bernstein "If You Can"

"If You Can" is written not just for millennials, but for anyone who needs a short, powerful wake-up call. As for a book by Dr. Bernstein addressed to Generation X, you might look at his "The Ages of the Investor." He has a part on "The Middle Game" (middle age to retir...
by Miriam2
Sun Jan 22, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: want to leave EJ but dont know what to do with what currently have
Replies: 21
Views: 1564

Re: want to leave EJ but dont know what to do with what currently have

caldwell621 wrote:I'm sorry . But what are ER's. I literally starting from square 1 here

For future reference, our wiki has a list of all the common acronyms used here and in the investing world:

Abbreviations_and_Acronyms
by Miriam2
Thu Jan 19, 2017 1:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31035

Re: South Florida Local Chapter

Additional parking for the 1/22/17 Boglehead meeting - 1 - the parking garage in our location, the Aon/Brickell Bay Office Tower, should be open, there may be a charge 2 - Sabadell Financial Center parking garage, 1111 Brickell - also possible access from Brickell Bay Dr, & possible open lot 3 -...
by Miriam2
Thu Jan 19, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2128

Re: Miami -Florida Keys visit - Late January- Suggestions

Thank you everybody. Keep the suggestions coming. At this point we are planning to drive from Miami to Key West on friday afternoon. Our hotel at Key West is booked for Fri and Sat night. We will drive up to Key Largo on Sunday and stay there on Sunday night. This is about 1 hour south of Miami Int...
by Miriam2
Tue Jan 17, 2017 3:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 205
Views: 31035

Re: South Florida Local Chapter

South Florida Bogleheads, We are delighted that Larry Auton (mingstar), the co-founder and co-owner of the Bogleheads Forum, is coming to our meeting :D He is also the tireless intrepid Boglehead Server Keeper-&-Maintainer. Larry has given a tremendous amount of time and financial contribution t...

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