Search found 2197 matches

by Miriam2
Sun Aug 19, 2018 1:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

Today I met with my CFO and let her know that I will be retiring at the end of June 2019. Since I work at a school (staff-IT) , that covers this final school year for me. By June I will be in my 18th year...best job I've ever had by far. Honestly, it was bittersweet talking with her as I really lik...
by Miriam2
Sat Aug 18, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: How Best to Utilize Permanent Life Insurance Upon Retirement
Replies: 22
Views: 1564

Re: How Best to Utilize Permanent Life Insurance Upon Retirement

delrinson - do you have the policies to leave a death benefit for someone? Not sure why this discussion should be about keeping these horrible products for another 15 years + retirement years. Better would be should I cancel this cr*p or not (yes) and what to do with the cash value. For very old ins...
by Miriam2
Sat Aug 18, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to Treat "Negative" Basis in Nondeductible IRA
Replies: 48
Views: 1664

Re: How to Treat "Negative" Basis in Nondeductible IRA

FWIW - "Can Form 8606 line 8 ever be negative?" - Ed Slott Report

"Line 8 (or any other line on Form 8606) cannot be negative."

https://www.irahelp.com/forum-post/2841 ... e-negative
by Miriam2
Sat Aug 18, 2018 11:37 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

Miriam2, thank you for the kind words - and not just to me, but the encouragement you have spread far and wide throughout this part of the Bogleheads. Retirement is a little scary (maybe a whole lot scary) and definitely a big change, and your encouragement is making it easier for people, including...
by Miriam2
Wed Aug 15, 2018 5:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

First week of January. Seeing the light at the end of the tunnel. Hi cogitan! Welcome to The Retirement Class of 2019 - why, you just might be our first graduate! Why, you'll then have time to spend all of 2019 on your favorite forum helping all your fellow Bogleheads who are still stuck in the tun...
by Miriam2
Tue Aug 14, 2018 10:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

Add us to the retirement class of 2018! Spouse and I transitioned to part-time 2 years ago and retired in June 2018. not-slow_n_steady Congratulations and welcome to this Great Retirement Class! You've been sort of practicing for retirement for two years now, must finally have it down to near perfe...
by Miriam2
Tue Aug 14, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds Option in 401k
Replies: 2
Views: 207

Re: American Funds Option in 401k

However, my existing company has American Funds R-5 with the following options (the percentage is my funds). . . . . Balanced- American Funds Balanced 33 bps My partner has used American Funds Balanced R-6 ER.28 exclusively for more than 10 years in a 401K. I'm a fan of American Funds, especially i...
by Miriam2
Sun Aug 12, 2018 5:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

What an interesting feeling to see “Retirement Class of 2019” and think “Uh, that’s me.” Most likely date: July 31, 2019 Backup date: Dec. 31, 2019 Age: mid-sixties I’ve had a good career as a church organist/choirmaster, starting my nineteenth choir season at my current parish. I’ve been counting ...
by Miriam2
Sun Aug 12, 2018 4:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

Btw - how's it going with your Sweet Potato Casserole baking? :D You'll have more time to bake more now that you're retired! Why, you could start up a restaurant or a Thanksgiving Dinner service :idea: Thanksgiving this year will definitely include some Sweet Potato Casserole - a recipe shared from...
by Miriam2
Fri Aug 10, 2018 10:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

After over 30 years with same employer, pulling the plug Nov 30th 2018. Please add me to this years graduating class. 55 years young. The countdown in on. Turning in letter end of Aug. Woooooo Hoooooo!! Welcome to the Bogleheads! Your first post and what a great post it is! Congratulations on pulli...
by Miriam2
Fri Aug 10, 2018 10:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

September 30, 2018 Holy cow nova1968 - that's right around the corner! Are you mad-scrambling to get all your ducks in line? or are you one of these tidy on-schedule types who have everything figured out ahead of time and just leisurely coast to the finish line? :happy Don't know what you have plan...
by Miriam2
Thu Aug 09, 2018 10:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

January 2019 is it for me! Do feel like a kid waiting for summer vacation. I feel like a kid who is going to Disneyland and who can’t wait to go! Congratulations Osprey, you're on THE LIST for January 2019! It will be here before you know it! You and dskelcy can just wear these very trendy mouse ea...
by Miriam2
Thu Aug 09, 2018 10:10 pm
Forum: Forum Issues and Administration
Topic: Private Messages stuck?
Replies: 8
Views: 443

Re: Private Messages stuck?

If I delete a PM sent to me without opening it, will it move to the sender’s Sent folder? Let's do a test - I'll send you a PM, you don't open it but delete it, I'll check my Sent File - and we'll report back to the boss :D Edit - done at 10:58 eastcoast time 8-) Done! My PM to Delamer is now in my...
by Miriam2
Thu Aug 09, 2018 9:57 pm
Forum: Forum Issues and Administration
Topic: Private Messages stuck?
Replies: 8
Views: 443

Re: Private Messages stuck?

delamer wrote: If I delete a PM sent to me without opening it, will it move to the sender’s Sent folder?
Let's do a test - I'll send you a PM, you don't open it but delete it, I'll check my Sent File - and we'll report back to the boss :D

Edit - done at 10:58 eastcoast time 8-)
by Miriam2
Thu Aug 09, 2018 9:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

Rudedog wrote: Ready to retire !

Working three days a week until December 31, 2018, then I'm done !
Congratulations Rudedog, you're on this Fabulous Roll Call :beer
So you're on the Easing-into-Retirement Plan - hope it works out well for you. What's on your retirement agenda?
by Miriam2
Thu Aug 09, 2018 6:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

Officially retired 8/3/2018! Many thanks Bogleheads! Congratulations Sparky1500!! \\\/// (happy dance!) So what's on your loooooong retirement To-Do list? Btw - how's it going with your Sweet Potato Casserole baking? :D You'll have more time to bake more now that you're retired! Why, you could star...
by Miriam2
Thu Aug 09, 2018 1:02 am
Forum: Investing - Theory, News & General
Topic: VBIAX- balanced fund 60/40.
Replies: 15
Views: 1733

Re: VBIAX- balanced fund 60/40.

Yes, as Grabiner wrote, it depends a bit on your marginal tax bracket. Since you will be at 24%, tax managed balanced would be the one fund if you want one. It is not a bad choice at all. However, the point about why to use separate funds is a bit more complicated. Grabiner gives a good basic examp...
by Miriam2
Wed Aug 08, 2018 11:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 105
Views: 18458

Re: [Virtual online chapter - Master thread]

Enjoyed the presentation FiveK, thank you. And lazylarry, appreciate all the work you do to make this Virtual on-line Chapter a success :happy
by Miriam2
Tue Aug 07, 2018 9:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 105
Views: 18458

Re: [Virtual online chapter - Master thread]

Hi, I am definitely interested as well, will shoot you an email, however is it possible to do this at the annual conference so that those who were not able to go can listen in on some of the segments? Even if there is a small fee, might be of interest to make it worthwhile? Thanks. The Boglehead Co...
by Miriam2
Tue Aug 07, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: February warm weather vacation
Replies: 19
Views: 1480

Re: February warm weather vacation

We are a couple planning on taking a vacation mid February. We typically go to a beach. We've done Miami, Fort Lauderdale and the Gulf Coast of Florida. . . . but if there were no place to rent beach chairs that might be a dealkiller for my wife. oohh is this nice, yes pricey, but oh my what a trea...
by Miriam2
Fri Aug 03, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4037

Re: Ticks and common sense?

^^^^^
^^^^^
Edit - stylish, suave and functional :D
by Miriam2
Fri Aug 03, 2018 4:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

I've been toying with 2018 vs first qtr 2019. I think 2018 is winning... Anyone read Your Money or Your Life ? The question that it asks - are you making a living or are you making a dying. It's been on my mind lately. Hi InMyDreams - decisions about life changes are difficult, many of us have been...
by Miriam2
Fri Aug 03, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4037

Re: Ticks and common sense?

livesoft wrote:
Miriam2 wrote:
livesoft wrote: In the winter, I wear yoga pants, I mean tights with shorts.
Livesoft wears tights with shorts :shock: Any pix for the BH album?
Image

Livesoft - very stylish and suave :D
by Miriam2
Thu Aug 02, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4037

Re: Ticks and common sense?

livesoft wrote: In the winter, I wear yoga pants, I mean tights with shorts.
Livesoft wears tights with shorts :shock: Any pix for the BH album?
by Miriam2
Sun Jul 29, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 57
Views: 12707

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Mr. Bogle,

Our children have been Vanguard investors since they were teens!

How would you describe for new investors when - if ever - "stay the course" ends and adjusting one's investing and asset allocation based upon our worry of the impact of bear markets begins?
by Miriam2
Sun Jul 29, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 30
Views: 7949

Re: Got a Question for the Experts Panel at the Bogleheads Conference?

For the panel - Is there any problem or difficulty you can see if an investor ends up at retirement with a large Roth IRA and no Traditional IRA with mixed pro rata and no pre-tax 401k? In other words, if a millennial today rolls his 401k over into a Rollover IRA and then converts it all to a Roth I...
by Miriam2
Sun Jul 29, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 33
Views: 5690

Re: Horrible Experience with Ally New Account Opening Process

I think there's a difference between the "old" Ally and the "new" Ally. I opened a joint account on line years ago with my daughter with no problems, easy and relatively quick, still going strong. My son - with excellent work & bank history & excellent credit - recently tried to open an Ally account...
by Miriam2
Fri Jul 27, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Google Sheet Personal Finance Manager
Replies: 20
Views: 5057

Re: This personal finance workbook is great!

Impressive! Why do you need the number of shares? Is the spread sheet calculating your value based on price you put in & number of shares? Are you calculating this daily?
by Miriam2
Fri Jul 27, 2018 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: DC Bogleheads meeting with pension expert Arun Muralidhar - Sunday, July 29
Replies: 13
Views: 1812

Re: DC Bogleheads meeting with pension expert Arun Muralidhar - Sunday, July 29

bobcat2 wrote: Perhaps my avatar being a picture of Franco Modigliani swayed him. :)
You look just like Franco Modigliani, I was sure that was you, handsome and distinguished :D
by Miriam2
Wed Jul 25, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA and Aggregation Rule
Replies: 22
Views: 1229

Re: Backdoor Roth IRA and Aggregation Rule

Alan, what would be the basis for the 2015 return? Would you complete the Form 8606 for the non-SOL years to calculate the basis and how would you do that? This is my question as well. Even if the IRS says "don't worry about the first 2 years...", how would one figure out the proper basis for the 2...
by Miriam2
Tue Jul 24, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA and Aggregation Rule
Replies: 22
Views: 1229

Re: Backdoor Roth IRA and Aggregation Rule

looks like you don't know whether the $50,000 in the tIRA was pre-tax or post-tax. If it was an old tIRA the family member forgot about, perhaps they had deducted it from their income tax years ago and much of it would be untaxed, along with untaxed earnings. If they did not deduct their contributio...
by Miriam2
Tue Jul 24, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3209

Re: suit shoe combo?

Mjar wrote: Thanks everyone for their insights, but I will NOT be wearing these Nike's with the suit, I will be going traditional.
Look at it in terms of RISK - your decision is probably the least risky :happy
by Miriam2
Tue Jul 24, 2018 4:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

As to my retirement plans: hanging out with my wife, kayaking on weekdays, playing with the grandkids, snowshoeing, advancing my garage brewing, early mornings to myself, reading, square dancing, watching the deer walk through the yard, cooking, bourbon with friends, the Oregon coast more often, bo...
by Miriam2
Tue Jul 24, 2018 3:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: DC Bogleheads meeting with pension expert Arun Muralidhar - Sunday, July 29
Replies: 13
Views: 1812

Re: DC Bogleheads meeting with pension expert Arun Muralidhar - Sunday, July 29

VictoriaF wrote:
Tue Jul 24, 2018 3:05 pm
Miriam2 wrote:
Mon Jul 23, 2018 10:33 pm
Bobcat, what an incredible meeting you put together :happy
Would you like to move to DC?
Victoria
Yes 8-)
by Miriam2
Tue Jul 24, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9156

Re: Vanguard Paper on Roth Conversion Analysis

Is there a link or window where we can find the Vanguard research or white papers? link to Vanguard papers https://investor.vanguard.com/investing/investment-research The Filter on their Research Library page may also be useful. Thank you Eagle33 and Minot - those are VERY useful links :happy I wou...
by Miriam2
Mon Jul 23, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 9156

Re: Vanguard Paper on Roth Conversion Analysis

Vanguard just released a paper suggesting a better metric for evaluating Roth conversions, relative to the comparison of current year to future year marginal tax rates. They call it BETR, Break-Even Tax Rate. Paper is here: https://advisors.vanguard.com/iwe/pdf/ISGBETR.pdf?EXCMPGN=EX:EM:FAS:010117:...
by Miriam2
Mon Jul 23, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: What's Next?
Replies: 13
Views: 1508

Re: What's Next?

I just maxed out my Roth IRA for the year and I contribute 6% of my income to my 401K to qualify for my company's matching contributions. Should I open a traditional IRA now or open a Vanguard brokerage account? So far, I have $11,600 in my Roth IRA and approximately $30K in savings. I am also thin...
by Miriam2
Mon Jul 23, 2018 5:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

I think I'll do it in April 2019. Was ready to ER last month when work situation was getting untenable. But things eased up just as I was about to resign, so I decided to stay and see some milestones through. Thanks to what I've learned here over the last few months, my spreadsheets say we're ok nu...
by Miriam2
Mon Jul 23, 2018 5:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

StevieG72 wrote: I wish!
My target is 2027.
Congrats to everyone who has made it to retirement.
Well Stevie, 2027 is only 9 years away! You're penciled in as our first for the 2027 Roll Call, assuming I don't lose all my marbles by then :mrgreen: actually, just in case, please remind me in 2026 :D
by Miriam2
Mon Jul 23, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1683

Re: Any Boglehead plumbers? Need help.

Miriam, did you really try to do this by yourself? I am quite an adventurous DIY person but plumbers and Heating and Cooling guys are my best friends. I bought a few trees and now have to move a more around. I have 10 bags of soil and 3 of mulch in the back of my other best friend - a CUV - great f...
by Miriam2
Sun Jul 22, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1683

Re: Any Boglehead plumbers? Need help.

. . . somehow I haven't learned my lesson to give up on DIY projects. I can afford to pay someone else but my tightwad side feels the need to try anyway. I guess I'm only out about $24 plus a few hours of my life more than I otherwise would have. Absolutely Blaugranamd, when it comes to plumbing, s...
by Miriam2
Sun Jul 22, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Portfolio - am I doing right?
Replies: 14
Views: 1325

Re: HSA Investment Portfolio - am I doing right?

Note that I don't particularly enjoy managing money and would be willing to take a small reduction in return in order to avoid having to constantly deal with this . . . As much as everyone here says its easy, every time I sit down and and deal with this I wish there was set-it-and-forget-it option....
by Miriam2
Sun Jul 22, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's answer to the question: Let’s hear your quick advice for a primer on personal finances.
Replies: 4
Views: 1254

Re: Jack Bogle's answer to the question: Let’s hear your quick advice for a primer on personal finances.

From an interview he did with Freakonomics Radio August 2, 2017 by Stephen J. Dubner This is a podcast so you can listen to his interview here: http://freakonomics.com/podcast/everything-always-wanted-know-money-afraid-ask/ I once heard a different interview where Jack Bogle was talking about THIS ...
by Miriam2
Sun Jul 22, 2018 10:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 73
Views: 8447

Re: Roll Call for the Retirement Class of 2019!

July 2019 Turn 62 in July Welcome to the Bogleheads! Your first post MROCTOBER is your Retirement Roll Call announcement :happy But how were you able to gets all your ducks in line and amass your great fortune :moneybag without us all these years? You're on The List - please let everyone know how y...
by Miriam2
Sun Jul 22, 2018 8:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

metalworking wrote: Thanks for allowing me back in the class. I thought my spouse may have called and said she couldn't stand the idea of me being home full time. :happy
She DID call - and I sent her a copy of the "Honey-Now-That-You're-Retired-To-Do-List" :wink:
by Miriam2
Sat Jul 21, 2018 4:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

metalworking wrote:
Sat Jul 21, 2018 4:39 pm
Bummer. Looks like i have been expelled from the class. Does this mean i can't retire? :D
Maybe you didn't turn in your last term paper :P
by Miriam2
Sat Jul 21, 2018 4:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

Here is the Mid-Summer's Roll Call for the Retirement Class of 2018 8-) We have 29 very lucky graduates enjoying their first summer without a paycheck :shock: :beer :!: Already Graduated - CONGRATULATIONS!! 01 Jan - BigOldBear 02 Jan - Billionaire 12 Jan - RubyTuesday (51) 31 Jan - Earl Lemongrab __...
by Miriam2
Sat Jul 21, 2018 3:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35368

Re: Roll Call for the Retirement Class of 2018!

Completely out of the blue, my BIL got a package from his MegaCorp, and he’s 5 years younger. So jealous, but I intend to stay the course and hope that I can hold up until December... Don't think of your BIL - what's he gonna do all day, play golf with the guys? You can hold on until December, it's...