Search found 1856 matches

by Miriam2
Sat Feb 17, 2018 4:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

Sparky1500 wrote: 2018 will be our year too. Just signed papers today to put our practice up for sale. All systems go.
Nice! Keep us posted on how everything goes. Let us know your blast off date 8-)
by Miriam2
Sat Feb 17, 2018 2:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

Retired as of 2/9/18 at the age of 51. I negotiated an exit package back in December, but signed the final paperwork (making the decision irrevocable) on 1/26/18, which i am pretty sure triggered the current market correction . Ohhh, so it was you . . . :P that's ok, we thank you for the wake-up ca...
by Miriam2
Fri Feb 16, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 4
Views: 733

Re: Chillin' in the BH Lounge

Nisiprius and Why did my fund suddenly drop in value?
I thought that my fund had decreased.
But I get it! My worries have ceased!
I see that, why yes,
Every share is worth less,
But my number of shares just increased.
by Miriam2
Fri Feb 16, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: "The Morning After" by Jonathan Clements
Replies: 10
Views: 1779

Re: "The Morning After" by Jonathan Clements

FWIW, Jonathan will be with us again this year for the 2018 Bogleheads Conference. He'll be on the Q&A with the Experts Panel and will also be signing books an chatting with attendees during the book-signing session. This is wonderful news! Jonathan Clements is delightful to talk to and has a very ...
by Miriam2
Fri Feb 16, 2018 9:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

I somehow missed this thread earlier. Will be more or less retired by 12/31/18, age 51. I say "more or less" because I am planning to continue to do some consulting for my current employer - maybe 200 hours a year (almost all from my current vacation home, which will become my only home). Welcome t...
by Miriam2
Wed Feb 14, 2018 11:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

Stick a fork in me, I'm done! Or within a year of done, anyway. Not quite where I wanted to be financially, but we'll be OK, and I just can't do it any more. I will be either near the end of the Class of 2018 (retiring in December) or at the top of the Class of 2019 (early January.) Just making the...
by Miriam2
Wed Feb 14, 2018 11:20 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8182

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

We all learn and benefit from everyone's financial experiences, regardless of wealth. Certainly lots of advice can be given by someone who lost all their wealth :mrgreen: Wonderfully put, "miriam". Those who have crawled uphill over glass and accomplished through both success and mistakes have a va...
by Miriam2
Wed Feb 14, 2018 4:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

bayview wrote: * bump *
Where are all the other enlightened ones who are planning to escape retire in 2018? :D
The enlightened ones are still meditating the possibility of Sequence of Returns risk :mrgreen:
by Miriam2
Wed Feb 14, 2018 2:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

I have a question for the class of 2018 since I may be joining it mid year. I keep reading that you need 85% of your pay. Is that my gross pay or after my 401K contribution and SS tax? Here are some other threads on this Q - How much to save? https://www.bogleheads.org/forum/viewtopic.php?f=2&t=169...
by Miriam2
Wed Feb 14, 2018 12:23 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8182

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I have a personal rule of not giving advice to anyone with more money than me, so that pretty much cuts me out of most discussions. I'd drop that rule. It's good to be humble but there are a lot of people you could help. Wealth is often more a function of age than wisdom. Twice as much wealth does ...
by Miriam2
Mon Feb 12, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 12
Views: 757

Re: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

Here are some other useful threads on teacher retirement plans :happy Great 403b for teachers? 403b search for better options 403b am I better off skipping 403b? Also our wiki has several articles on school system retirement plans (use the index ) 403b plans for K-12 public school district employees
by Miriam2
Mon Feb 12, 2018 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Should I rollover my Traditional IRA into my 401k so I can make backdoor Roth contributions?
Replies: 10
Views: 783

Re: Should I rollover my Traditional IRA into my 401k so I can make backdoor Roth contributions?

Partial Roth conversion means having a 50k tIRA balance and converting only 10k of it to a Roth IRA. Why don't you do a mock IRS return doing a partial Roth conversion, calculating the pro rata percent on the amount you want to convert, to see where you stand on taxes. You may be able to convert so...
by Miriam2
Sun Feb 11, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4022

Re: How does one emotionally keep it together during market swings?

"Make sure that you don't take more risk with your asset allocation than your stomach can handle because the stomach will take over the decision making . . . and I've yet to meet a stomach that makes good decisions." Larry Swedroe Why discipline is so important as key to successful investing Larry's...
by Miriam2
Sun Feb 11, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 77
Views: 5089

Re: Help with what to do, pay debt, fund 401k, EF? TLH of taxable to fund one of these

A lot of the issues are that my wife is homesick and it cost a bundle for a family of 4 to travel . Flights out of our closest airport are usually $500 or more per ticket. We often drive 6 hours to the biggest airport to save around $1k on airfare, but that is a lot of trouble. "Home" is 2k miles a...
by Miriam2
Sat Feb 10, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5755

Re: How to stop mail for former occupants?

OnTrack wrote: return to sender, address unknown
https://m.youtube.com/watch?v=Z54-QHEZN6E
Brought back my heart throbs :D
by Miriam2
Sat Feb 10, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 131
Views: 18332

Re: Great 403b for teachers?

I was employed as a teacher in 2012. I immediately began to inquire about 403b investments from our contact. I thought he was an employee of the school system. I did not know he was an employee (sales rep) of Security Benefit. I kept asking him about fees. He seemed perplexed. "There are no fees." ...
by Miriam2
Fri Feb 09, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Time to take out the canes
Replies: 3
Views: 950

Re: Time to take out the canes

Henry Clews said it best: "But few gain sufficient experience in Wall Street to command success until they reach that period of life in which they have one foot in the grave. When this time comes these old veterans of the Street usually spend long intervals of repose at their comfortable homes, and...
by Miriam2
Fri Feb 09, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13094

Re: "The stock market is officially in a correction... here's what usually happens next"

Hi Taylor, I want to thank you again for the guidance I received from you, Mel, and Bob Stowe in October 2001, when I came to Morningstar Vanguard Diehards. The dot-com bubble had just popped, I was out of work and my 401(k) was depleted due to high Lucent stock holdings. I asked a specific questio...
by Miriam2
Mon Feb 05, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 9995

Re: RBD alert [Really Bad Day]

It appears we just had a bit of a flash crash, in the DJIA at least, followed by a decent dead cat bounce. Wizard, your description was quite descriptive 8-) "A dead cat bounce is a temporary recovery from a prolonged decline or a bear market that is followed by the continuation of the downtrend. T...
by Miriam2
Mon Feb 05, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: "A Target-Date Fund Series Wins Gold"
Replies: 35
Views: 3897

Re: "A Target-Date Fund Series Wins Gold"

This potential investment will be for nieces and nephew whose only knowledge and involvement with investing is: Does it pay dividends? This is precisely why I think Target Date funds are so useful and important for beginning investors of all ages. I hear this comment constantly from inexperienced i...
by Miriam2
Thu Feb 01, 2018 9:02 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5148

Re: Fewer acronyms please

To quote 53timr -
I AG REE WIT DIS
by Miriam2
Mon Jan 29, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5008

Re: Accountant Recommends doing Whole Life Insurance

My accountant just of just mentioned it in passing as something I should look into that could save me 50-100k in taxes. Actually I would ask your accountant to explain what he meant, why does he think whole life insurance could save you 50-100k in taxes (per year?) Your curiosity is aroused, so why...
by Miriam2
Sun Jan 28, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone own gold?
Replies: 25
Views: 2049

Re: Does anyone own gold?

I guess those who use the Harry Browne Permanent Portfolio own gold - looks like he suggests 25% of one's portfolio should be in gold :mrgreen: Then 25% in the US total stock market, 25% in US long term Treasury bonds, and 25 % in US Treasury bills, at least that's what these articles say on our Bog...
by Miriam2
Sat Jan 27, 2018 2:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4053

Re: Happy Birthday, Taylor!

Happy Birthday Taylor, from Whangerai, New Zealand. Hope all is well with you. We sailed from Tahiti to Rarotonga, (Cook Ilands), then NIUE, then the Kingdom on Tonga for a few months and finally down to Whangarei, NZ. We are really enjoying being in a first world country for the first time in year...
by Miriam2
Sat Jan 27, 2018 2:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49257

Re: South Florida Local Chapter

Hi to all the South Florida Bogleheads. I see my buddy, Jessie, was there. Maybe if Mid-Florida ever gets too cold for you Mel, you could come down for warmth and blue skies and aquamarine waters and your Boglehead buddies at our local chapter meeting. You'd enjoy Taylor's sandwiches and you could ...
by Miriam2
Fri Jan 26, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion Pro-Rata Question
Replies: 7
Views: 513

Re: Roth Conversion Pro-Rata Question

Here is Ed Slott's "Calculating the Pro-Rata Rule in 5 Easy Steps"

https://www.irahelp.com/pdf/Distributio ... Papers.pdf
https://retirementctr.com/edslott.php?theentry=860

IRS Form 8606 does this same calculation, just looks a little different :mrgreen:
by Miriam2
Fri Jan 26, 2018 12:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4053

Re: Happy Birthday, Taylor!

Taylor, we wish you a heart-felt happy birthday :happy Taylor's first post on the Vanguard Diehards forum on Morningstar was in March 1998, 20 years ago this year ! Twenty years of posting thoughtful, intelligent personal finance help to thousands (millions?!) of investors around the world in the mo...
by Miriam2
Thu Jan 25, 2018 12:15 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49257

Re: South Florida Local Chapter

Hello Bogleheads, We had our 2018 South Florida Bogleheads Chapter meeting on Sunday from Noon to 2pm. It was great to meet fellow Bogleheads with a good mixture of old and new faces. We had Bogleheads from Fort Myers and Orlando among us. . . . Thank you LazyNihilist for your nice meeting outline ...
by Miriam2
Wed Jan 24, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5140

Re: Pizza delivery asked for security code on my credit card with order

Deaconfan wrote: OP here. Thanks everybody. It sounds like it is pretty routine to give out the CVV number these days. When my wife got home, she confirmed that this pizza place always asks for it. Live and learn.
always ask your wife first :D
by Miriam2
Wed Jan 24, 2018 9:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 62
Views: 8899

Re: [Virtual online chapter - Master thread]

Been a while since our last meeting , but first meeting of the year on: January 24th @ 8pm FiveK is presenting on prioritizing investments. Shoot me an email if you are interested and not on the listserv: virtualbogleheads@gmail.com It's going to be good, so hope to see all there! Thank you lazylar...
by Miriam2
Wed Jan 24, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Age old question:invest vs student loans
Replies: 7
Views: 731

Re: Age old question:invest vs student loans

Background, I'm a resident physician halfway through a seven year program. I have been going through residency thus far maxing Roth IRAs for myself and, for the last couple of years, for my wife as well . I have been doing IBR for my student loans, hoping to do PSLF when the time comes (seemed like...
by Miriam2
Sun Jan 21, 2018 7:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3432

Re: My daughter got her dream job [Proud Papa]

Just a proud Dad moment. . . . To my extreme delight the default option was the Vanguard Target Retirement 2050 Institutional fund with very low fees. I didn't even bother looking at anything else, I told her to put 100% in that fund and don't look back. Stemikger, might the Vanguard Balanced Index...
by Miriam2
Sun Jan 21, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion in 2018 - makes more sense now?
Replies: 4
Views: 671

Re: Roth conversion in 2018 - makes more sense now?

I was just wondering, as I haven’t noticed this topic since the new tax bill. First, any good recent literature on this that anyone could share. Michael Kitces article from Dec. 18, 2017: Individual Tax Planning Under the Tax Cuts and Jobs Act of 2017 Look for articles at www.Fairmark.com (Tax Guid...
by Miriam2
Fri Jan 19, 2018 2:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49257

Re: South Florida Local Chapter

Reminder for our Sun Jan 21, 2018, meeting from 12 noon to 2:00 pm. See up-thread for details. Taylor and the Larimore family are treating all South Florida Bogleheads and bringing sandwiches for everyone :D Additions to our RSVP list - G8R Paul C jonnyboy & friend clevername Alex F wfromm Our local...
by Miriam2
Wed Jan 17, 2018 10:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 147
Views: 29769

Re: how do i post a new topic?

i have not logged in for a while. i am trying to post a new topic, but I can't find a new post link. so a had to reply to this thread. help? Go to the Forum Home page with the list of forums (such as "Investing-Help with Personal Investments") Click on the particular forum in which you wish to plac...
by Miriam2
Wed Jan 17, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4892

Re: Nostalgic about old online brokerages that no longer exist

"Seized by the Crown" of course means by the Canadian government (whose head of state is Elizabeth of Saxe-Coborg-Gotha (Windsor) and whose representative is a governor general "appointed" (really selected on the advice of the Prime Minister) by the Queen). So it would be the Canadian government. ....
by Miriam2
Mon Jan 15, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10124

Re: Besides Bogleheads, What Are Your Favorite Forums?

For tax info and Q & A forum - "Tax Guide for Investors" www.Fairmark.com
by Miriam2
Mon Jan 15, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10124

Re: Besides Bogleheads, What Are Your Favorite Forums?

abuss368 wrote: Is the Bogle Financial Markets Research Center website no longer updated? Many of the speeches and books appear to be from prior years.

http://www.vanguard.com/bogle_site/bogle_home.html
Abuss - try this John Bogle site http://johncbogle.com/wordpress/
by Miriam2
Sun Jan 14, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 13
Views: 1796

Re: RMD and Roth IRA conversions

An excellent book on the subject is, "Retire Secure!: A Guide To Getting The Most Out Of What You've Got by James Lange". I will check it out. thanks For me the better book on Roth IRAs is "Go Roth!" by Kaye Thomas, who maintains the highly regarded tax website www.Fairmark.com. The book is well wr...
by Miriam2
Sun Jan 14, 2018 1:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49257

Re: South Florida Local Chapter

Additional RSVP list for our upcoming 1/21/18 meeting -

Larry Auton (BH founder mingstar)
jdb
2 glosings
Mr & Mrs whonoze
deepak
Thekro
genefl + friend
IvanJ
DavidR
vaag77

Added to Maybe's -
Carls

We're looking forward to a nice meeting 8-)
by Miriam2
Sat Jan 13, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Retirement Checklist.
Replies: 16
Views: 2718

Re: 2018 Retirement Checklist.

Our wiki has a checklist of important retirement dates.

Checklist of Important Retirement Dates
by Miriam2
Sat Jan 13, 2018 3:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 93
Views: 11873

Re: Roll Call for the Retirement Class of 2018!

I turn 70 this year, then plan to retire. Working until 70 and waiting to take SS until 70 has made a significant difference in my financial outlook. Congratulations TinyTim! At age 70, you worked enough. Time to collect that max SS and enjoy your retirement. Your financial outlook is sunny and bri...
by Miriam2
Sat Jan 13, 2018 11:44 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49257

Re: South Florida Local Chapter

South Florida Bogleheads! We are happy that Larry Auton (Boglehead mingstar ) will again be joining us for our next meeting :D For those who may not know the history of the Bogleheads, Larry is the co-founder and co-owner of the Bogleheads Forum. He helped to bring Bogleheads.org out of the early st...
by Miriam2
Wed Jan 10, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Computers Suck
Replies: 18
Views: 1449

Re: Computers Suck

livesoft wrote: Echo Silver is supposed to help with this problem.

https://www.youtube.com/watch?v=YvT_gqs5ETk
OMG livesoft!! You reached your pinnacle with this link!!

(And the financial relevance is that it's only $9.99 :D
by Miriam2
Wed Jan 10, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Computers Suck
Replies: 18
Views: 1449

Re: Computers Suck

You can't teach an old dog new tricks and if you didn't grow up with computers it's much harder to learn. This is true, BUT . . . Why - because of the subject of this post, which I write as a retired software engineer with over 40 years of experience in the field. The OP has 40 years in the compute...
by Miriam2
Mon Jan 08, 2018 10:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 3101

Re: Livesoft at 58,000 posts!

I'm preparing my "What I like about livesoft" adulation post, but quite frankly, livesoft has been behaving since his 50,000 post thread and there's not as much material to work with :shock:
by Miriam2
Mon Jan 08, 2018 3:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4134

Re: DD just got married !

^^^ Very nice post dodecahedron :happy
by Miriam2
Sun Jan 07, 2018 8:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 309
Views: 44483

Re: Roll Call for the Retirement Class of 2017!

MandyT wrote: I retired at 55, if you want to include that in an update of the list at some point.
Thanks for the update, will add this during the next re-boot :happy
by Miriam2
Sun Jan 07, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 33
Views: 2966

Re: Morningstar Premium for $99

^^^ Good information, thank you!
by Miriam2
Sun Jan 07, 2018 7:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 292
Views: 49257

Re: South Florida Local Chapter

Added to our list for our Jan 21, 2018, meeting :happy
WoodStock65 + friend
Mr. Dogg
Osp62
Buffbog
Charlie + friend
finmanjim
andyhere
TonyC + friend
Matjaz
Atgard

And our maybe's -
EricaA
(gekko)
SoFlaBogle
DaveR

Q - any topics or Q's you wish to discuss :?: