Bogleheads.org

Miriam2

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

Miriam2

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...

Miriam2

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.

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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 ...

Miriam2

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...

Miriam2

With family and friends - mmrph mmrph (lips zipped)

Miriam2

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 ...

Miriam2

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) ...

Miriam2

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...

Miriam2

. . . 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 ...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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 ...

Miriam2

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??

Miriam2

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...

Miriam2

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?

Miriam2

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...

Miriam2

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 ...

Miriam2

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...

Miriam2

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...

Miriam2

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...

Miriam2

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 ...

Miriam2

Random Walker,
Just want to thank you

for posting Larry's articles in his absence

Miriam2

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...

Miriam2

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?

Miriam2

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...

Miriam2

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...

Miriam2

** 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...

Miriam2

Horse racing has its frustrations

http://www.cnn.com/2010/LIVING/wayoflif ... index.html

Miriam2

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...

Miriam2

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 ...

Miriam2

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...

Miriam2

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

Are you riding off to the sunset on your R60, or is that not for retired folks?

Miriam2

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...

Miriam2

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 ...

Miriam2

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...

Miriam2

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...

Miriam2

BogleMelon wrote:At 2015 I started tracking my net worth

BogleMelon - what do you use for your neat graph to plot your net worth?

Miriam2

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)

Miriam2

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 ...

Miriam2

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 ...

Miriam2

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...

Miriam2

Tycoon wrote:
Tycoon wrote:Maybe...

Probably not...

The year is still young Tycoon! Keep us posted

Search found 1526 matches