Search found 2509 matches

by Miriam2
Sat Jun 15, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 3852

Re: My Bad Experience With Angie's List

Several years ago we needed outdoor home maintenance help quickly and found "done.com" - the site owner called and gave us a local handyman who came out with his associate immediately, worked very hard, had all the tools, and did a perfect job. I see that "done.com" has merged with another company, ...
by Miriam2
Tue Jun 11, 2019 4:11 pm
Forum: Personal Investments
Topic: Investment Annual Physical!
Replies: 7
Views: 1993

Re: Investment Annual Physical!

Duckie wrote:
bioebud wrote:However MINHX fees are higher. How can I calculate the cost difference between the two over time?
Compare fees at Expense Ratio Calculator or Compare Investment Fees.
Duckie, many thanks for these easy calculators :D Have you found them to be accurate?
by Miriam2
Tue Jun 11, 2019 3:54 pm
Forum: Personal Investments
Topic: Paul Merriman UBH vs Vanguard Mkt Cap model
Replies: 22
Views: 1678

Re: Paul Merriman UBH vs Vanguard Mkt Cap model

You might find this page from Marketwatch interesting. It's a comparison of recent returns from eight "lazy" portfolios, including Mr. Merriman's UBH (it's labelled as "Fundadvice" in the chart). Maybe I'm missing the date, but this table linked here doesn't clearly say the returns are "as of" a ce...
by Miriam2
Sun Jun 02, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 13806

Re: You May Never See Your Grandchildren Again

Rick Ferri wrote: . . . I was so excited! It was our first "free dinner and retirement discussion" since moving into an over 55 community last summer. . . .
THIS boggled me - Rick, you're not old enough to move into an over 55 community with old retired folks :shock:
by Miriam2
Sun Jun 02, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 13806

Re: You May Never See Your Grandchildren Again

From my Forbes blog: You May Never See Your Grandchildren Again I was so excited! It was our first "free dinner and retirement discussion" since moving into an over 55 community last summer. Let me sum up what I heard this adviser say: Be very afraid. Advisers manage money badly, Social Security pe...
by Miriam2
Sun Jun 02, 2019 4:59 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 373
Views: 57506

Re: Roll Call for the Retirement Class of 2018!

It is hard to believe that I started this thread almost 2 years ago. This week marks my first full year in retirement and I hope my fellow Bogleheads in the Class of 2018 have enjoyed their retirement as much as I have enjoyed mine. A full year of retirement already! And so, how has it gone? Miss y...
by Miriam2
Sun Jun 02, 2019 4:46 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Well they made me an offer I could not refuse to remain on until a replacement is found and facilitate a smooth transition. So I'm likely now delayed until July or so. Well worth it with the money they threw at me. I'll keep you posted when the final date is set. Thank you for checking in. See how ...
by Miriam2
Sun Jun 02, 2019 4:41 pm
Forum: Personal Investments
Topic: Delay Social Security?
Replies: 35
Views: 3338

Re: Delay Social Security?

Another thread on reasons others did not delay social security:

viewtopic.php?f=2&t=169740- "Why did you take SS at FRA instead of delaying until 70?"
by Miriam2
Sun Jun 02, 2019 3:50 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 7
Views: 746

Re: Roll Call for the Retirement Class of 2020!

June 30, 2020 (will be 47) 27 year career in law enforcement Congratulations Outafter20 !! A little over a year to go :D Thank you for your service. It's meaningful work, stay safe, enjoy your good work, plan your retirement, share your plans - and we'll call you if we need help keeping these wild ...
by Miriam2
Sun Jun 02, 2019 3:29 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Well, that is it for me. Happy Friday! My last one working for money :) Dknightd, enjoyed your post! and now you can work for yourself 8-) Please keep us posted what you're doing. Bogleheads enjoy reading about the retirement adventures of fellow classmates. And thank you, fellow Bogleheads, for he...
by Miriam2
Fri May 31, 2019 12:59 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 5763

Re: Women, How Much Do You Pay for Haircut

DW trades styles/haircuts with her best friend who owns a high end salon in the East. Both had trained at Vidal Sassoon in England "back in the day". I get my haircuts for "free" from DW who styles/cuts it however she wants to. . . :D Sandtrap, you must have the snappiest haircut in town :D For 32 ...
by Miriam2
Mon May 27, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run
Replies: 337
Views: 17233

Re: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run

Why does Larry complicate investing so much? He means well and genuinely believes his factor models are helping people manage risk, IMO. It's certainly an interesting different way of conceptualizing risk and has slightly influenced some decisions I've made. As always, the debate arises between the...
by Miriam2
Mon May 27, 2019 4:27 pm
Forum: Investing - Theory, News & General
Topic: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run
Replies: 337
Views: 17233

Re: Excellent Larry Swedroe Podcast Interview: Factors For The Long Run

Most people don’t appreciate that a typical 60/40 portfolio has 85-90% of its risk wrapped up in a single factor. What is that factor? The equity market factor, market beta. Larry has explained it about as follows: Stocks have volatility of about 20%: so 60% stocks x 20% SD = .12 “risk points” Bond...
by Miriam2
Mon May 27, 2019 2:44 pm
Forum: Forum Issues and Administration
Topic: How can I attach pictures in posts?
Replies: 11
Views: 787

Re: How can I attach pictures in posts?

The problem is that you don't have an image link, but a link to a page with an image on it. The real link is: https://i.imgur.com/nAcO80X.png That you could insert, if it didn't exceed the 1200 pixel width maximum. Earl - how do we get from the "link to a page with an image on it" to the "image lin...
by Miriam2
Mon May 27, 2019 2:41 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 7
Views: 746

Re: Roll Call for the Retirement Class of 2020!

Unfortunately, I have to report that my date [in 2019] has moved out by 6 months which will put me into the class of 2020. I was given a new position and agreed to stay in it for a few more months to help solve some problems. Please change me from July 4, 2019 to Jan 16, 2020. Both my wife and I ar...
by Miriam2
Mon May 27, 2019 2:28 pm
Forum: Forum Issues and Administration
Topic: How can I attach pictures in posts?
Replies: 11
Views: 787

Re: How can I attach pictures in posts?

The problem is that you don't have an image link, but a link to a page with an image on it. The real link is: https://i.imgur.com/nAcO80X.png That you could insert, if it didn't exceed the 1200 pixel width maximum. Earl - how do we get from the "link to a page with an image on it" to the "image lin...
by Miriam2
Mon May 27, 2019 2:19 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 7
Views: 746

Roll Call for the Retirement Class of 2020!

It's time already! :sharebeer https://img.etsystatic.com/il/900d11/1168563593/il_340x270.1168563593_k7ve.jpg?version=0 The Roll Call for the Retirement Class of 2020 is now open! Are you planning to RETIRE in 2020? Congratulations! To add your name to this Roll Call, just post on the thread with you...
by Miriam2
Mon May 27, 2019 1:53 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 370
Views: 79355

Re: South Florida Local Chapter

Hello Everyone! 8-) Our next South Florida local chapter meeting is on Sunday, July 14, 2019, from 12 noon to 2:00 pm in Hollywood. Location - Stirling Road Branch, Broward County Library Large conference room 3151 Stirling Road, Hollywood, Florida Directions - From I-95 - exit Stirling Road Go west...
by Miriam2
Sun May 26, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8563

Re: No more print Money magazine

I'm sorry to see Money Magazine go. We discovered Bogleheads through Jason Zwieg's September 2001 article "Here Come the Bogleheads". WIthout that article, we may have never known about the Bogleheads. Ed Here is Jason's article (in 2 parts) from the Sept. 2001 Money Magazine. http://jasonzweig.com...
by Miriam2
Sun May 26, 2019 4:49 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2641

Re: MEMORIAL DAY

A beautiful video. In the busyness of a “holiday” weekend, I like to pause and take a moment to reflect on all of the brave men and women who gave their lives in service to our country and all countries. I pray that the people of the world can find peace so that we don’t have to add more names to t...
by Miriam2
Sun May 26, 2019 2:20 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

sf64 wrote: My last day at work was Friday, May 17 -- I am now retired, at 54!
Another happy retiree! Best wishes for a happy retirement full of new adventure and enjoyment.
You're on the Roll Call :D
by Miriam2
Sun May 26, 2019 1:35 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2346

Retiredjg at 36,000 posts!

Retiredjg has now made 36,000 posts on the forum! 8-) Wow! 36,000 posts offering thoughtful financial advice and analyzing the portfolios of newbies and oldies alike - simply the best at meticulously combing through complex, outlandish portfolio messes and creating simple new portfolios out of chaos...
by Miriam2
Sun May 19, 2019 2:49 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Unfortunately, I have to report that my date has moved out by 6 months which will put me into the class of 2020. I was given a new position and agreed to stay in it for a few more months to help solve some problems. Please change me from July 4, 2019 to Jan 16, 2020. Both my wife and I are retiring...
by Miriam2
Sun May 19, 2019 2:31 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Retiring on 12/27/2019. Age 63. Thank you for posting and we included you on this important Roll Call. Now you have about 6 months to get your Retirement Act together and that To-Do List started :D Retired as of March 2019. Age 62. Now what? Congratulations! You're on our re-boot :D "Now what?" - W...
by Miriam2
Sun May 19, 2019 1:32 pm
Forum: Personal Investments
Topic: Young Investor Strategy Help
Replies: 12
Views: 1183

Re: Young Investor Strategy Help

Buy VASGX and fuggedaboutit. Rick Ferri Hi Rick! Thanks for your quick response! However as I get older I would have to sell off this fund and choose a more conservative one correct? Or should I add another fund and put more money into the new one and less into VASGX? Life is a dollar cost average....
by Miriam2
Sat May 18, 2019 12:45 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

We are happy to provide this latest update for the Awesome Retirement Class of 2019 8-) Please post if you would like to be added to this Very Special Roll Call. We already have 26 graduates getting ready for their first summer as Free-Floaters :D Already Graduated!! - Congratulations :sharebeer 01 ...
by Miriam2
Fri May 17, 2019 2:43 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

I am finally official! Put retirement date in for July 4th after 25 years at megacorp! What a great independence day!! After 25 years at megacorp, doing all the great things you did for them, you deserve BIG fireworks :D https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcRlwwu8p9EKphc6YE9tvrSHx3...
by Miriam2
Thu May 16, 2019 10:08 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

July 7, 2019 for me! I worked my last full week two weeks ago. This week will be my last 4 day workweek, then the remaining weeks will be 3 day workweeks. I have a total of 31 actual work days left between now and my last day. Nice slow transition into the land of retirement 8-) Welcome to the Clas...
by Miriam2
Thu May 16, 2019 9:45 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Bogleheads, I'm late to this party and am happy to report that I retired on February 1st, just after my 58th birthday. My wife is wrapping things up at her job and will join in the fun in July. Nooooo! - you're never late to our Bogleheads parties! Retirement at 58 years young is awesome :D So far,...
by Miriam2
Thu May 16, 2019 9:17 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Following up on myself... So it's official, Miriam please put me on the list for a June 30 freedom date! Think I'm going to like this retirement gig We can feel your excitement! Freedom before you know it, the weeks will pass by in a flash. Start cleaning out that old desk tomorrow and plan for swe...
by Miriam2
Wed May 15, 2019 8:50 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

OregonDucksFan wrote: First date of retirement. June 1 2019.

My boss said “how could you”?

I said “disciplined saving and investing”
Ok Ducks, you're on the retirement list :D Only 2 more weeks to go and you can start spending all that money you squirreled away :mrgreen:
by Miriam2
Tue May 14, 2019 9:53 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Congratulations to our upcoming May graduates, the end of the month will be here before we know it :D Official retirement date: May 16. WooHoo :sharebeer Yikes!! Only 2 more days to go, hope your bags are packed 8-) I turned in my paper work today. First day of retirement 9/1/19. Last day of work 5/...
by Miriam2
Tue May 14, 2019 7:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Told my boss last August that I was going to retire before July this year. We've talked informally all along and mutually zeroed in on sometime in May. This week he asked me for an email with a specific date so he could start the hiring process for my replacement. No use starting the hiring process...
by Miriam2
Tue May 14, 2019 6:56 pm
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7214

Re: For how long will the forum be around?

And I like that the Bogleheads have given me a dead simple gameplan where I don’t need understand exactly how options work, or futures, or P/E ratios, or yield curves, etc. But if I want to, say, learn how to tax loss harvest from Prof. Livesoft (my latest little research project), then I can take ...
by Miriam2
Tue May 14, 2019 12:53 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Today, I informed HR at Megacorp that my last day will be May 31. Having recently turned 60, I meet the minimum requirements for the pension (and significantly subsidized health insurance). Over the last three years, the retirement calculators have consistently supported this timing; therefore, we ...
by Miriam2
Tue May 14, 2019 12:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

goblue100 wrote: Bruce Springsteen wrote a song called Across the Border. I love the Linda Ronstadt / Emmy Lou Harris version and found it comforting during a recent time of loss. . . .
Thank you for your recommendation :happy
by Miriam2
Sat May 04, 2019 1:33 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

I haven't told anyone at work officially, but please add me to the class with a planned retirement date of September 1, 2019. Might get out early, but I won't be there on September 2 for sure! OK great, you're on the Retirement Roll Call! Husband retired January 1 and seeing him happy, busy and liv...
by Miriam2
Fri May 03, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7659

Re: Gardening 2019

Zone 10b here in tropical paradise 8-) Those dang iguanas are digging holes around my plants and trees to lay their eggs. Ruins the root systems of the plants. According to my friend Google, iguanas can lay 20 to 70 eggs per year :annoyed My.....My....My..... :wink: peppers - truly, you've never se...
by Miriam2
Fri May 03, 2019 6:42 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

Gave my boss notice today of my pending September retirement. He was the first person other than my wife and adult children to know. It felt like a tremendous weight was lifted off my shoulders. What a nice way to start a new week. :happy Oooohhh - the TALK with the boss, "thanks for the pay and th...
by Miriam2
Fri May 03, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7659

Re: Gardening 2019

Zone 10b here in tropical paradise 8-) Those dang iguanas are digging holes around my plants and trees to lay their eggs. Ruins the root systems of the plants. According to my friend Google, iguanas can lay 20 to 70 eggs per year :annoyed My.....My....My..... :wink: peppers - truly, you've never se...
by Miriam2
Fri May 03, 2019 6:22 pm
Forum: Personal Investments
Topic: Is "roll over" a term used only for retirement accounts?
Replies: 13
Views: 705

Re: Is "roll over" a term used only for retirement accounts?

Chuck Berry used the term to roll old Beethovan over for rockin' rhythm and blues :musical_note:

https://www.youtube.com/watch?v=zD80CostTV0

:D
by Miriam2
Fri May 03, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7659

Re: Gardening 2019

Zone 10b here in tropical paradise 8-) Those dang iguanas are digging holes around my plants and trees to lay their eggs. Ruins the root systems of the plants. According to my friend Google, iguanas can lay 20 to 70 eggs per year :annoyed
by Miriam2
Thu May 02, 2019 3:55 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

. . . I will stop working on April 5th, and get a payout that is equivalent to working until the end of October. I was planning to stop working at the end of 2019, so this is a wonderful opportunity to stop early, and get paid almost the same. . . . Welcome mlcolorado! You're on this Most Prestigio...
by Miriam2
Thu May 02, 2019 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - success!!!
Replies: 102
Views: 13720

Re: Empty nester downsizing - any advice?

. . . And the time not spent on the house, is now spent learning what else in the world we would like to do, and getting out and doing it. We have filled our days with cultural and educational adventures instead of shoveling snow, vacuuming and meeting with plumbers and painters. Amen, I breathe a ...
by Miriam2
Wed May 01, 2019 10:34 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 740
Views: 95702

Re: Post your Financial Milestone Announcements Here

KlangFool wrote: Hooray! My investment portfolio reaches 1.3 million today.

KlangFool
Very happy to hear this and I also appreciate your thoughts on this forum.

So Klang (btw - you're no fool :D ), is this investment portfolio still 50/50?
by Miriam2
Wed May 01, 2019 10:14 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

2019 is going to be a milestone year for me. I turn 60 this year and I've decided to formally declare my retirement on June or July 2019 by commencing my megacorp pension. (Will wait on Social Security until FRA at 66 year/10 month). I actually stopped working in 2016 due to layoff after working al...
by Miriam2
Sun Apr 28, 2019 3:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 373
Views: 57506

Re: Roll Call for the Retirement Class of 2018!

We present the Updated Roll Call for the Retirement Class of 2018 - and what a great class it is :D We have 77 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. ...
by Miriam2
Sun Apr 28, 2019 2:02 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

All, a couple of weeks ago, I am throwing in the towel and expect to retire at the end of this year. 32 years working state and city government, and high traditional 457b 1.0 million, net worth 2.1 million, Roth IRA account 420K, No kids, no spouse, expenses are approx 25K. . . . I need to pad my c...
by Miriam2
Sat Apr 27, 2019 4:25 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34492

Re: Roll Call for the Retirement Class of 2019!

I'm already on the 2019 Roll Call, with an unknown date (and age?) . Please change the date to March 29. The age is 62. This month is going to take forever to get through, but I'm looking forward to a beautiful spring. Thank you for the update Bluelight - we updated the roster and by now, you are a...
by Miriam2
Sat Apr 27, 2019 3:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 373
Views: 57506

Re: Roll Call for the Retirement Class of 2018!

I retired in September, 2018, so this is my first year NOT going to school as a teacher in 30 some years. I have been planning for retirement since I was 25, but between having kids and moving states, I only have 20 in my current state, but I knew I could get a COLA at 20 years, so that has been th...