Search found 1526 matches

by Miriam2
Mon Jun 26, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 41
Views: 3524

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

Our Boglehead Wiki has an Index that may help you find articles. The Index link is on the left-hand side of the wiki home page.

http://www.bogleheads.org/wiki/Special:AllPages
by Miriam2
Mon Jun 26, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund too large
Replies: 31
Views: 5099

Re: Emergency Fund too large

In my head I have made my retirement funds (pension, SS, 401K, IRAs) separate from my taxable accounts. My taxable accounts are invested, but at a more conservative allocation (25% equity, 75% fixed income) than my retirement accounts (currently 65% equity, 35% fixed income). There is no reason tha...
by Miriam2
Sat Jun 24, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 644

Re: Evaluating Asphalt Driveway Sealing Bid

Same size driveway as OP and we paid $600 for the first seal coat on a new asphalt overlay driveway, without any crack repairs, in South Florida.
by Miriam2
Sat Jun 24, 2017 2:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 212
Views: 34154

Re: South Florida Local Chapter

Our most pertinent questions have to do with my husband's recent retirement. We are looking for sage words of wisdom from more experienced retirees, not only about finances but also about dealing with the change of lifestyle. I'll probably not retire for 5 years so, therefore I'm having some jitter...
by Miriam2
Fri Jun 23, 2017 8:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

2017 January. :D Aloha Sandtrap! Congratulations and welcome to the class! I guess you miss huli huli chicken, poi and humuhumunukunukuapua'a :happy We wish you the best in your new home on the mainland. Enjoy the wonder, opportunity, and satisfaction of this retirement transition with the open roa...
by Miriam2
Fri Jun 23, 2017 7:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Welcome to our new members! I can't believe I did it!! I have been agonizing about the decision to retire for several years now. I just celebrated my 59th birthday and I feel emotionally and financially prepared. I gave my notice today and will work my last day July 11th!! I am so excited about this...
by Miriam2
Fri Jun 23, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rollover old employer 403b?
Replies: 14
Views: 441

Re: Should I rollover old employer 403b?

My spouse recently changed jobs, and left behind a sizable 403b. I'm trying to decide between rolling this into a traditional IRA, or leaving it where it is. The main drawback that I see for rolling it is that we won't be able to do backdoor roth conversions anymore. For my understanding, the 403b ...
by Miriam2
Fri Jun 23, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund too large
Replies: 31
Views: 5099

Re: Emergency Fund too large

In my head I have made my retirement funds (pension, SS, 401K, IRAs) separate from my taxable accounts. My taxable accounts are invested, but at a more conservative allocation (25% equity, 75% fixed income) than my retirement accounts (currently 65% equity, 35% fixed income). There is no reason tha...
by Miriam2
Thu Jun 22, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: 500K Retirement Account Milestone
Replies: 26
Views: 4079

Re: 500K Retirement Account Milestone

With family and friends - mmrph mmrph (lips zipped) :D
by Miriam2
Thu Jun 22, 2017 6:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Check back with me in November. Will do :D The problem with all the extensive financial planning I have done in the past few months is it shows the benefit of delaying retirement by each additional month even without additional savings contributions(which would only increase the benefit). So while ...
by Miriam2
Tue Jun 20, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 47
Views: 1772

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

If you want to put your money to its best use, you need to max all available tax-advantaged retirement investments before you pay off virtually any manageable debt, especially the mortgage (and any student loan) debts . jimb - how do you define or what would you consider "manageable" (1) ...
by Miriam2
Tue Jun 20, 2017 7:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Had The Talk with my boss and I'm now on track to sever employment in September. The date could move earlier if my replacement trains up quickly. Like many of you we're concerned about health insurance costs. We decided to not plan our lives based on worst case scenarios. It would be possible to ha...
by Miriam2
Tue Jun 20, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Around Partner's Student Loans
Replies: 30
Views: 2050

Re: Planning Around Partner's Student Loans

. . . has $100 K in student loans from graduate school at a 7% interest rate. . . . She has been on the Income Based Repayment (IBR) Plan for three years. Under this plan, the maximum repayment is 15% of her income. . . . 22 years from now, in 2039, the loan will be forgiven under the terms of the ...
by Miriam2
Sun Jun 18, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement checkup for 38 year old
Replies: 21
Views: 2968

Re: Early retirement checkup for 38 year old

Police Pension (not inflation adjusted): Worth $45,000 a year if I leave today. If I leave in 2 years it will pay $60,000. If I leave in 5 years will be worth $70,000 a year. That's almost double in 5 years. Something to think about. Almost doubling your guaranteed liquid income in retirement for l...
by Miriam2
Sun Jun 18, 2017 2:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 212
Views: 34154

Re: South Florida Local Chapter

Anyone interested in forming a south florida chapter- W.P.B. to Miami, please let me know. Thanks :idea: It might be better to meet halfway like Ft Lauderdale or Boca We are holding our next South Florida local chapter Boglehead meeting in Hollywood and we hope this will be fairly central for Bogle...
by Miriam2
Sun Jun 18, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3769

Re: Long Term Care Insurance?

My John Hancock policy cannot raise premiums or reduce benefits. That is almost certainly not true. Most likely you have a policy where JH would have to go the state insurance commissioner and seek permission to raise rates for the entire class of policyholders on the ground that it's needed to ens...
by Miriam2
Sun Jun 18, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 5948

Re: Portfolio Tilts?

Bogleheads: Many of us think we know what asset-class is going to do well in the future (usually based on past performance or industry marketing). I suggest that before adding small, costly, and tax-inefficient funds requiring increased maintenance that you consider the many advantages of Simplicit...
by Miriam2
Sun Jun 18, 2017 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Trust vs Mutual Fund
Replies: 7
Views: 548

Re: Vanguard Target Retirement Trust vs Mutual Fund

I still don' t like that there's no fund sticker that I can track, and trust funds seem to be regulated differently (not by SEC). I agree. My 401k at T. Rowe Price used mutual funds until T. Rowe began switching them over to trusts - without tickers. This is what I do. Since T. Rowe told us the tru...
by Miriam2
Sat Jun 17, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 5948

Re: Your Favorite Portfolio Tilts

Full disclosure, I have a minor tilt to small cap value. But I intend to convert to a single LifeStrategy fund in retirement for simplicity, especially for my spouse. David Jay, which LifeStrategy fund do you intend to use in retirement? LS Moderate (60/40), but understand that SS meets our needs w...
by Miriam2
Sat Jun 17, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16244

Re: Siblings in disagreement over mom's house.

It's simply crazy that you guys have kept an unoccupied, uninsured house for five years already. I am curious what the insurance agent for this home says about the house being unoccupied? (despite family being nearby) . . . Uninsured houses don't have insurance agents or companies that worry about ...
by Miriam2
Fri Jun 16, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16244

Re: Siblings in disagreement over mom's house.

Payoffhouse wrote:8. House not insured as not required once house is paid-off.
9. The house is in Florida.

And what happens when the next big hurricane comes??
by Miriam2
Fri Jun 16, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: URGENT TIME SENSITIVE: Deathbed Roth
Replies: 45
Views: 4148

Re: URGENT TIME SENSITIVE: Deathbed Roth

The conversion is likely to be a big winner. The 25% bracket goes up to $91,900 and the 28% bracket goes up to $191,650, plus the exemption and itemized deductions. At a constant tax bracket, the conversion is beneficial, since it puts more money into the tax-free environment (since there's other m...
by Miriam2
Fri Jun 16, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 5948

Re: Your Favorite Portfolio Tilts

David Jay wrote:Full disclosure, I have a minor tilt to small cap value. But I intend to convert to a single LifeStrategy fund in retirement for simplicity, especially for my spouse.

David Jay, which LifeStrategy fund do you intend to use in retirement?
by Miriam2
Thu Jun 15, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: If Vanguard recommends 100% stock then why do their TD funds only have 90% max?
Replies: 4
Views: 919

Re: If Vanguard recommends 100% stock then why do their TD funds only have 90% max?

T. Rowe Price has 2 types of target date funds, one more conservative and one that retains more equities. The Target Retirement Fund 2060 [TRTFX] has 85.7% equities, but soon begins reducing equities to 42.5% at target date. The Retirement Fund 2060 [TRRLX] has 85.9% equities. It consistently retain...
by Miriam2
Thu Jun 15, 2017 5:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

In reading this retirement roll call thread, it's interesting to see the number of Bogleheads for whom "planning retirement" means "plotting out the financial aspects of health care insurance." It appears to be one of the more critical timing issues in the map for retirement and ...
by Miriam2
Thu Jun 15, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3769

Re: Long Term Care Insurance?

Here is more information on jimishooch's policy {blue emphasis added}: ... Within the circle of my acquaintances I know a woman who was in her fifties when she suffered a spinal injury from a car accident that put her in the nursing home for twelve years. People with Alzheimer's can easily spend ten...
by Miriam2
Thu Jun 15, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3769

Re: Long Term Care Insurance?

Most companies don't offer lifetime policies. I don't know of anyone doing anything that's specifically "catastrophic" that has a reasonable cost/benefit tradeoff. It may be due to regulations on what kinds of policies that insurers can offer, I'm not sure. (Also, insurers don't want to t...
by Miriam2
Wed Jun 14, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3769

Re: Long Term Care Insurance?

One could get the longest policy that a company offers with the longest elimination period. This makes it more catastrophic type insurance instead of forced savings for a likely ned. Yes, this is what it would be or what it is - catastrophic LTC insurance - for the dreaded 5 (Parkinsons, Alzheimers...
by Miriam2
Wed Jun 14, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3769

Re: Long Term Care Insurance?

I don't see the value of LTCI policies available today. What i want insurance for is long tail (catastrophic) risk. If my wife or I need long term care for 10+ years, that is where a policy would be useful. But, the policies available today all appear to have a cap (often pretty short ones) on how ...
by Miriam2
Wed Jun 14, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 4953

Re: Larry Swedroe: Stocks, Bonds, & Risk

Random Walker,
Just want to thank you :happy for posting Larry's articles in his absence :(
by Miriam2
Wed Jun 14, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1260

Re: Getting a Florida Sunpass

If you put your rental car plate number into the app, why does he need the windshield thingie? The system obviously reads your plate. I suspect it's because not all system readers are the same throughout the state. Some are old for the old windshield sticker system and have not yet been replaced wi...
by Miriam2
Wed Jun 14, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step
Replies: 15
Views: 1095

Re: Disabled dependent son ( temporarily?) on health insurance past age 26. Need input for next step

Does your son use or need medical insurance for therapies or other medical expenses associated with his disability, or are you interested in the health insurance for general medical reasons applicable to any young person?
by Miriam2
Tue Jun 13, 2017 6:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Now...how do you just quote little snippets instead quoting a whole response at once??? :confused When you are composing your message in the white "post a reply" window and you have your quoted material in quotes brackets, put your cursor into the quoted portion and edit it the way you wa...
by Miriam2
Tue Jun 13, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Life Insurance as an Investment Vehicle
Replies: 39
Views: 2260

Re: Variable Life Insurance as an Investment Vehicle

Words of advice from the Master (all emphasis in original 8-) Dear Bogleheads, I have never encountered a Boglehead, or anyone else, who is a good candiate to own VUL for the long term. That product violates most, if not all, of the fundamental Boglehead principles that created and continue to serve...
by Miriam2
Tue Jun 13, 2017 3:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 212
Views: 34154

Re: South Florida Local Chapter

** PLEASE NOTE NEW DATE ** Details for our next South Florida chapter meeting 8-) NEW DATE - Sunday July 30, 2017 - 12 noon - 2:00 pm - (not July 9) Location - Stirling Road Branch, Broward County Library Large conference room 3151 Stirling Road, Hollywood, Fla. Directions - From I-95 - exit Stirlin...
by Miriam2
Mon Jun 12, 2017 9:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Retiring September 30, 2017 56 - mandatory retirement due to job CAMI rules, etc. Will have 32 years 9 months as an ATC specialist at 9 facilities across the country, much of my time in So. California. It's been an awesome journey, and I feel lucky to have seen so many changes and improvements in o...
by Miriam2
Mon Jun 12, 2017 8:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

He and one of my other colleagues planned a really nice party for an afternoon during Finals Week--it was well-attended, and there were some "gag" gifts and nice gifts. What a treat - a nice warm retirement party! Sounds like you are well-liked and respected in your profession :happy I'm ...
by Miriam2
Sun Jun 11, 2017 7:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 212
Views: 34154

Re: South Florida Local Chapter

Hello South Florida Bogleheads! 8-) Our next chapter meeting will either be on Sunday, June 25 or Sunday, July 9, 2017, from 12 noon to 2:00 pm. The location will either be in Aventura or Hollywood. Just wanted to give everyone the heads-up before the details are firmed up :happy Please PM me with a...
by Miriam2
Sun Jun 11, 2017 5:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

r60rider wrote:I could not have done this without the Bogleheads.
Just called my boss and gave notice: last day July 31.
Thanks Bogleheads!!!

Congratulations and welcome to the Retirement Class :happy
Are you riding off to the sunset on your R60, or is that not for retired folks? :wink:
by Miriam2
Sun Jun 11, 2017 12:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

I'm in, my graduation date is set for July 07, 2017. I communicated it a year or so ago, it is firm and final and no going back on it at this point. Yipee! "Firm and final and no going back" sounds like a Top-10 hit :D Welcome to the class! Bikechuck - are you a bicylist? Have you seen fo...
by Miriam2
Sun Jun 11, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4816

Re: Gardening 2017

Giant 2-ft iguanas are eating all my bougainvilleas, leaves and all :( (I mean a body 2 feet long, add another 2 feet for the tail) Can you bring in a Burmese Python to take care of the iguanas? Yes Wizard {. . . long sighs . . .} this is the problem with exotica. I tell dear husband "we need ...
by Miriam2
Sat Jun 10, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134484

Re: Share your net worth progression

YNAB 4 (classic). It is mainly a zero-based budgeting software and methodology (that I find it awesome and incomparable). Reports too -as you see- are cool. I have tried Mint from Jan 2015 to July 2015, but was mediocre compared to YNAB 4 Disclaimer: I do not work for the company or make any commis...
by Miriam2
Sat Jun 10, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134484

Re: Share your net worth progression

YNAB 4 (classic). It is mainly a zero-based budgeting software and methodology (that I find it awesome and incomparable). Reports too -as you see- are cool. I have tried Mint from Jan 2015 to July 2015, but was mediocre compared to YNAB 4 Disclaimer: I do not work for the company or make any commis...
by Miriam2
Sat Jun 10, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 553
Views: 134484

Re: Share your net worth progression

BogleMelon wrote:At 2015 I started tracking my net worth

BogleMelon - what do you use for your neat graph to plot your net worth? 8-)
by Miriam2
Sat Jun 10, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4816

Re: Gardening 2017

Giant 2-ft iguanas are eating all my bougainvilleas, leaves and all :(
(I mean a body 2 feet long, add another 2 feet for the tail)
by Miriam2
Sat Jun 10, 2017 9:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Well, I retired on April 30th... age 66 1/2... I've begun working stress-free 2 days a week at the local golf course for minimum wage, tips and a free round of golf weekly. I was an outside sales rep in the medical device field and being outside is a benefit. Good-bye sales quotas and numbers that ...
by Miriam2
Thu Jun 08, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 5817

Re: How to deal with a personal finance cynic

Have your friend read these recent threads from blue collar Bogleheads who never earned big salaries, but who successfully put together a nice portfolio for a nice life and a comfortable retirement - Thank you Jack Bogle :D Is there such a thing as a blue collar Boglehead? - this thread has 5 pages ...
by Miriam2
Thu Jun 08, 2017 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

I am "semi-retired" at 55.. I decided I will do some consulting and help some friends but not going back to the rat race. A little scary as this is earlier than I thought. . . . Please help me calm down.. I do get a little nervous about this. Emergency whiskey please! We don't want Wolfga...
by Miriam2
Wed Jun 07, 2017 8:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18538

Re: Roll Call for the Retirement Class of 2017!

Tycoon wrote:
Tycoon wrote:Maybe...

Probably not...

The year is still young Tycoon! Keep us posted :happy

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