Search found 1676 matches

by Miriam2
Sat Oct 21, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 79
Views: 12095

Re: Where to buy a Vanguard hat? An Update and bad news

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 8-)
by Miriam2
Fri Oct 20, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 79
Views: 12095

Re: Where to buy a Vanguard hat? An Update and bad news

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 ...
by Miriam2
Mon Oct 16, 2017 9:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30997

Re: Roll Call for the Retirement Class of 2017!

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! :happy
You're in, Sandman62! Congratulations!
So what's on the retirement agenda :?:
by Miriam2
Sun Oct 15, 2017 7:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30997

Re: Roll Call for the Retirement Class of 2017!

rennale wrote: Hmm - when does the average retiree rise, I wonder?
Depends how late we are out all night :wink:
by Miriam2
Sun Oct 15, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6320

Re: How does everyone keep track of your portfolio?

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 ...
by Miriam2
Sun Oct 15, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6320

Re: How does everyone keep track of your portfolio?

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...
by Miriam2
Sun Oct 15, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6320

Re: How does everyone keep track of your portfolio?

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 ...
by Miriam2
Sat Oct 14, 2017 2:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 243
Views: 40167

Re: South Florida Local Chapter

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...
by Miriam2
Sat Oct 14, 2017 2:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30997

Re: Roll Call for the Retirement Class of 2017!

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...
by Miriam2
Wed Sep 27, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1222

Re: Journal of my ride across Western Europe

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...
by Miriam2
Wed Sep 27, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3998

Re: Vanguard Health Care Fund in my portfolio?

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...
by Miriam2
Tue Sep 26, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: How safe is cash in today's economy?
Replies: 37
Views: 3874

Re: How safe is cash in today's economy?

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...
by Miriam2
Tue Sep 26, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1057

Re: grad student - how much to contrib to IRA

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...
by Miriam2
Tue Sep 26, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 5464

Re: Wellesley and Wellington instead of VTINX?

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...
by Miriam2
Tue Sep 26, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1222

Re: Journal of my ride across Western Europe

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...
by Miriam2
Tue Sep 26, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Question
Replies: 20
Views: 758

Re: Windows 10 Question

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...
by Miriam2
Mon Sep 25, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs traditional 401k
Replies: 31
Views: 2585

Re: Roth vs traditional 401k

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...
by Miriam2
Mon Sep 25, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1222

Re: Journal of my ride across Western Europe

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

I assume your investments are on auto-pedal 8-)
by Miriam2
Sat Sep 23, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1057

Re: grad student - how much to contrib to IRA

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...
by Miriam2
Sat Sep 23, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1640

Re: What am I thinking.. a new car finance thread.

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? :wink:
by Miriam2
Fri Sep 22, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1057

Re: grad student - how much to contrib to IRA

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...
by Miriam2
Fri Sep 22, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation + DCA Advice
Replies: 9
Views: 792

Re: Asset Allocation + DCA Advice

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...
by Miriam2
Fri Sep 22, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 34
Views: 3198

Re: Take The Lump Sum or The Immediate Annuity?

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...
by Miriam2
Fri Sep 22, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Loans paid off!
Replies: 17
Views: 1082

Re: Loans paid off!

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 :D
by Miriam2
Fri Sep 22, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice
Replies: 11
Views: 1231

Re: Investment Advice

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...
by Miriam2
Fri Sep 22, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8708

Re: VG wants everyone to transfer to a brokerage account?

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 :D
by Miriam2
Fri Sep 22, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for my 20 year old son
Replies: 8
Views: 576

Re: Investing for my 20 year old son

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 ...
by Miriam2
Fri Sep 15, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4203

Re: High-Deductible Health Plan vs. Peace of Mind

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...
by Miriam2
Tue Sep 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

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...
by Miriam2
Mon Sep 04, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

livesoft wrote: Whoopsies! Wrong part of Florida: The peninsula, not the panhandle, I will edit my post. What do you call that part anyways? :oops:
Tropical paradise 8-)
by Miriam2
Mon Sep 04, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

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, ...
by Miriam2
Mon Sep 04, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

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 ...
by Miriam2
Mon Sep 04, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

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...
by Miriam2
Mon Sep 04, 2017 3:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17076

Re: [Are the Bogleheads] getting less interesting?

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...
by Miriam2
Sun Sep 03, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

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. ...
by Miriam2
Sun Sep 03, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4203

Re: High-Deductible Health Plan vs. Peace of Mind

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?
by Miriam2
Sun Sep 03, 2017 1:05 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade
Replies: 13
Views: 1424

Re: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade

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 8-)
We go into serious depression without it.
by Miriam2
Sun Sep 03, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12847

Re: Florida Hurricanes: When and where to go?

. . . 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 ...
by Miriam2
Sat Sep 02, 2017 1:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6384

Re: Stan died [Long time forum lurker]

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

The Bogleheads Silent Majority
by Miriam2
Sat Sep 02, 2017 12:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30997

Re: Roll Call for the Retirement Class of 2017!

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...
by Miriam2
Wed Aug 30, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2474

Re: Evaluating risk of flooding in the "new normal"

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...
by Miriam2
Tue Aug 22, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14949

Re: How far would you travel to see The Eclipse?

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...
by Miriam2
Tue Aug 22, 2017 2:11 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14949

Re: How far would you travel to see The Eclipse?

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...
by Miriam2
Mon Aug 21, 2017 2:37 am
Forum: Investing - Help with Personal Investments
Topic: 32yo Australian - New Investor Seeking Advice
Replies: 5
Views: 610

Re: 32yo Australian - New Investor Seeking Advice

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
by Miriam2
Mon Aug 21, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1306

Re: Seeking Non-Retirement Portfolio Help

. . . 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...
by Miriam2
Mon Aug 21, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Other financial sites worth reading
Replies: 14
Views: 3044

Re: Other financial sites worth reading

For questions & information on taxes - www.fairmark.com
by Miriam2
Fri Aug 18, 2017 9:53 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60432

Re: Forum software upgrade bug reports and change requests

... 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...
by Miriam2
Fri Aug 18, 2017 2:09 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60432

Re: Forum software upgrade bug reports and change requests

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...
by Miriam2
Thu Aug 17, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion 5yr Holding Period?
Replies: 20
Views: 1940

Re: Roth Conversion 5yr Holding Period?

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 8-) Very helpful list, thank you for posting.
by Miriam2
Thu Aug 17, 2017 10:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 27
Views: 4193

Re: Roll Call for the Retirement Class of 2018!

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...