Search found 2016 matches

by Miriam2
Sun May 20, 2018 5:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

I think I will, probably, maybe retire January 2019. One more year would be great financially, but then I said that for the past two years so.... I need to get off of the one more year wagon. 1/5/19!! Ok Canoesmith, we'll pencil you in - and if you change your mind, let us know and we'll re-boot 8-...
by Miriam2
Sat May 19, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 51
Views: 2871

Re: Finance a $28,000 house for Brother?

UTgrad wrote: I have 15k that's my emergency fund. He can come up with maybe 5k. He has no other loans and he is alone no family.
Do you mean you would use your entire emergency fund to pay for the house? Doesn't sound like a wise decision for you and your family.
by Miriam2
Sat May 19, 2018 3:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

I will retire on Feb 1, 2019 and waiting for this date has been extremely hard . The first 4 months of this year (2018) have dragged along as slow as a bee stuck in molasses. I am a single woman who will be 62 when I retire with a pension and a 401k account that will reach the "magic" number by the...
by Miriam2
Sat May 19, 2018 3:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 181
Views: 23443

Re: Roll Call for the Retirement Class of 2018!

It's going to be very close for 2018. . . . So don't sign me up yet, I will let you know if this becomes a December 31 retirement. OK, keep us updated with your plans! We always enjoy seeing your cute yellow airplane :happy and of course, reading your sensible investment thoughts and advice 8-) Dav...
by Miriam2
Sat May 19, 2018 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 181
Views: 23443

Re: Roll Call for the Retirement Class of 2018!

J295 wrote: In 2013 transitioned to part time, to kinda part time, to hardly any time. Now in 2018 officially no time = retired. The glide path worked well for us. Now age 58.
J295, nice glidepath to retired 8-) Now you can take off and soar. What are your plans?
by Miriam2
Sat May 19, 2018 12:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

Assuming that Cal COBRA permits an employee who retires with at least 5 yrs of service and age 60 or older to continue group health insurance at his/her expense until age 65, as I believe is the case, you can put me down for 2019 - exact date TBD. I turn 60 in March and am beginning to plan for my ...
by Miriam2
Thu May 17, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: where to put $1000 each for two kids (both worked this year and earned that much)
Replies: 7
Views: 612

Re: where to put $1000 each for two kids (both worked this year and earned that much)

First starting out, put it in a savings account or in a cd. Investing comes after saving and if the account were to lose money, no good deed goes unpunished- remember that!! I agree with this. For my kids it was Roth IRAs - which they still add to as they work. For your co-worker and her kids, howe...
by Miriam2
Wed May 16, 2018 10:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

For those who are retiring soon, do you want: 1) a big retirement party, 2) a lunch with some close colleagues, or 3) to just ride off quietly into the sunset? Just curious. I think I'll do #3. TravelforFun I opted for #1 and #2, a BIG retirement party with ALL colleagues and LOTS of food - before ...
by Miriam2
Wed May 16, 2018 10:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 248
Views: 46501

Re: Roll Call for the Retirement Class of 2015!

My partner, who is still working (works from home and plans on retiring in 3.5 years), and I moved from NJ to AZ and truly like living in a 55+ community. Life has been great. Have met many people here in our community from all of the US and Canada. Keeping busy with exercising, playing pickle ball...
by Miriam2
Wed May 16, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Philly.com: Bogleheads say Vanguard's hybrid robo-advisor can be great training
Replies: 11
Views: 1716

Re: Philly.com: Bogleheads say Vanguard's hybrid robo-advisor can be great training

... What Bogleheads don’t like about PAS? Being forced to sell their old funds to get into PAS’s new funds . The last part of the quote was a major discussion point at the local meeting . I'm interested in what your local Bogleheads had to say about this :?: At a South Florida local chapter meeting...
by Miriam2
Tue May 15, 2018 10:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 8763

Re: Yes, I'm 89 all right! [Jack Bogle]

Dear Mr. Bogle,

Looking forward to your new book. Your writing is always clear and refreshing.
For those of us thinking about aging :shock: Mark Twain offered this advice:

"Age is an issue of mind over matter. If you don't mind, it doesn't matter." :happy
by Miriam2
Mon May 14, 2018 7:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

spearo wrote: August 2019 for me! :sharebeer
Congratulations on pulling the plug, Spearo! You have over a year to get your Retirement Act together and that To-Do List started :D
Keep us posted on your date and plans.
by Miriam2
Mon May 14, 2018 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

jamacq wrote: As far as future adventure, I am so looking forward to having more time to travel the world with my wife. I'm blessed to be married to my best friend and can't think of anything better than spending more time together. :D
Delightful! :D
by Miriam2
Mon May 14, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Philly.com: Bogleheads say Vanguard's hybrid robo-advisor can be great training
Replies: 11
Views: 1716

Re: Philly.com: Bogleheads say Vanguard's hybrid robo-advisor can be great training

This is what she presented: Vanguard's hybrid robo-advisor creates Amazon-like fear among competitors; Bogleheads say robo can be great training We asked financial analysts, Vanguard competitors, and Bogleheads — fans of Vanguard founder John Bogle — for their thoughts about the Vanguard Personal A...
by Miriam2
Mon May 14, 2018 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 301
Views: 53602

Re: South Florida Local Chapter

Hello South Florida Bogleheads 8-) Our next South Florida local chapter meeting is set for Sunday, July 1, 2018, from 12 noon to 2:00 pm , at the Stirling Road Branch, Broward County Library, in Hollywood, Florida. Location - Stirling Road Branch, Broward County Library Large conference room 3151 St...
by Miriam2
Sat May 12, 2018 9:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 181
Views: 23443

Re: Roll Call for the Retirement Class of 2018!

After only one OMY (one more year), which was a really miserable year, I did it Next week is my final week. My co-workers have remarked they've never seen me so happy. My want to do list keeps getting longer and longer. I feel like I could be busier without a job than with one! remomnyc - Congratul...
by Miriam2
Sat May 12, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: TR2015 in a taxable account
Replies: 9
Views: 693

Re: TR2015 in a taxable account

Is there an easy-to-read list or picture that you use that shows tax rates for taxable income for long term & short term capital gains and qualified dividends? It sure would be nice if that existed in an official, easily-found location, wouldn't it? As it doesn't (to my knowledge), I make do with N...
by Miriam2
Sat May 12, 2018 9:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

Planning for ~June 2019 after 23 years in the Navy and another 18 in the defense contracting world. Ready for more adventure. jamacq - Welcome to this Great Class, we'll add you to the list :happy You will probably take the award as the Most Senior Boglehead of the class, since you joined the Bogle...
by Miriam2
Sat May 12, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: TR2015 in a taxable account
Replies: 9
Views: 693

Re: TR2015 in a taxable account

If you really want it to go away, you could sell a little bit each year without paying much in tax because long term capital gains up to a total of $77,200 taxable income would be taxed at 0%. So if your taxable income (after your deductions) is way under $77,200, you could sell more tax fee each y...
by Miriam2
Wed May 09, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Beneficiaries - T. Rowe Price
Replies: 24
Views: 1637

Re: Lost Beneficiaries - T. Rowe Price

That's backwards. It's usually best to name beneficiaries for retirement benefits but not for taxable accounts (so the taxable accounts pass under the Will). What is the benefit of this? Piecemeal or asset by asset planning creates lots of problems. Different assets can change in value over time, o...
by Miriam2
Wed May 09, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Beneficiaries - T. Rowe Price
Replies: 24
Views: 1637

Re: Lost Beneficiaries - T. Rowe Price

bsteiner wrote: That's backwards. It's usually best to name beneficiaries for retirement benefits but not for taxable accounts (so the taxable accounts pass under the Will).
What is the benefit of this?
by Miriam2
Wed May 09, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 84
Views: 7489

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

You're right, by separating the pre-tax dollars and rolling them into my 401k, I could have converted the remaining basis or already-taxed dollars in my tIRA at zero tax cost in year 1, and all future growth of that money will be tax free in the Roth. What about year 2? Of course if your 401(k) won...
by Miriam2
Wed May 09, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1722

Re: Florida road trip - what towns to stay in?

My wife and I are planning a road trip next winter (probably in January). We will be driving down the entire east coast of Florida to Key West, then up the west coast to Tampa . We have family in the Tampa area, so the second part of the trip will be spent with them. My question is about the days w...
by Miriam2
Wed May 09, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Lost Beneficiaries - T. Rowe Price
Replies: 24
Views: 1637

Re: Lost Beneficiaries - T. Rowe Price

Any advice on what to do? I've asked for the original plan documents, but they won't give them to me because I'm not listed as a beneficiary (which they probably lost!) and we haven't opened probate and named an executor (because we weren't going to need to)! Look through your father's papers for a...
by Miriam2
Tue May 08, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2411

Re: Happy 89th birthday to [Jack] Bogle

My entire family wishes you the happiest of happy birthdays :beer I just love opening my Vanguard statements (yes I peek :D ) And every time I open them I think of you and what you have meant to me and every regular investor. We all appreciate what you did for all of us - you saved us from the shark...
by Miriam2
Tue May 08, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 84
Views: 7489

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

Why not roll the IRA into the 401k now? That was a possibility when I started converting, although not sure I could have rolled the entire tIRA into my 401k because my tIRA has a 50/50 mix of already taxed and untaxed money, but the 401k is all untaxed. Also, I figured that leaving it in the tIRA a...
by Miriam2
Tue May 08, 2018 12:32 am
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 84
Views: 7489

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

Why not roll the IRA into the 401k now? That was a possibility when I started converting, although not sure I could have rolled the entire tIRA into my 401k because my tIRA has a 50/50 mix of already taxed and untaxed money, but the 401k is all untaxed. Also, I figured that leaving it in the tIRA a...
by Miriam2
Mon May 07, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 84
Views: 7489

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

Why not roll the IRA into the 401k now? That was a possibility when I started converting, although not sure I could have rolled the entire tIRA into my 401k because my tIRA has a 50/50 mix of already taxed and untaxed money, but the 401k is all untaxed. Also, I figured that leaving it in the tIRA a...
by Miriam2
Mon May 07, 2018 3:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 301
Views: 53602

Re: South Florida Local Chapter

Looks like our next local chapter meeting will be on Sunday, July 1, 2018, from 12 noon to 2:00 pm in Hollywood. It appears that Taylor's new book on the "Three-Fund Portfolio" will be published by then and we will have a nice meeting with Taylor focused on the Three-Fund Portfolio and a book signin...
by Miriam2
Mon May 07, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 84
Views: 7489

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

I would use a broader brush: Don't make non-deductible contributions to an IRA unless a Roth conversion is on the horizon. This may be good advice going forward, but for older people like me, a traditional IRA was the only IRA available when we started investing way back when :wink: My tIRA was ope...
by Miriam2
Mon May 07, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6400

Re: What backup service to use?

What is the best way to backup only Microsoft Office Outlook? On an external hard drive? My Outlook crashed last night, whited-out then a window appeared "Outlook cannot open." Since I'm trying to store more emails in categories rather than print them out for paper files, a crash destroys my good in...
by Miriam2
Mon May 07, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9851

Re: What have you baked recently?

nanosour wrote: I baked my 2009 iMac graphics card for 8 minutes at 400 Degrees. Secured the internal connections and now computer is as good as new. :)
Ha! So that's the techie secret! Going to try it now with my Microsoft Office Outlook that crashed last night :annoyed
by Miriam2
Sat May 05, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 10756

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

alisa4804 wrote: Victoria, today you have overcome "bad breath"
and are again in 1st place!
Congrats!
Good grief - this will all go to Victoria's head. One can only imagine her new signature . . .
by Miriam2
Tue May 01, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: New Poster Asking for Portfolio Review
Replies: 6
Views: 779

Re: New Poster Asking for Portfolio Review

Asset Allocation [Current - Note: My last rebalance at the beginning of the year was for an 80/20 AA with 30% equity in International. Since then I’ve decided to move to 40% international in my equity portion (only slightly tilted toward US to account for monetary risk). I will make this adjustment...
by Miriam2
Sun Apr 29, 2018 8:35 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 89
Views: 12403

Re: [favorite] Boglehead quotes

"Working to the day you drop is one way to avoid the need for any retirement savings :wink: "
--- FiveK
by Miriam2
Sun Apr 29, 2018 8:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

Reaching retirement is an big deal to me, in 2019 I am planing to move from anxiety to zen. Nice plan! Thank you for the link. Raybo is a very interesting character. I do commute to work several days on my bike. I plan on spending lots of time using my bike, walking, hiking and exercising in retire...
by Miriam2
Sun Apr 29, 2018 7:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

Estimated Jan 2019. It's hard to believe that the roll call class of 2019 is now active and I am even posting here. I am a bit anxious. Yes, the Roll Call Class of 2019 is now active and we'll include you on the list, although we don't mean to rush you and please don't be anxious :wink: Just keep s...
by Miriam2
Sun Apr 29, 2018 3:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 3671

Re: Roll Call for the Retirement Class of 2019!

I plan on becoming a stay home spouse in 2019, but first I am going to try some modifications to my work schedule going into the 4th quarter of 2018. Still working on how to max out life. Thanks for the update TimeLord! "Still working on how to to max out life." - here's a nice read from Jonathan C...
by Miriam2
Sun Apr 29, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1962

Re: My first week of cycling in Slovenia and Croatia

Once at my hotel no more than a mile from Marco Polo airport, I set to work assembling the bicycle. As before, it didn’t take long to get the frame together, but in adjusting the brakes, I discovered one of the rear brake arms had a broken part. It took some time but I managed to MacGyver together ...
by Miriam2
Sun Apr 29, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Buying primecap now - a mistake?
Replies: 14
Views: 1419

Re: Buying primecap now - a mistake?

Two earlier threads on the Primecap funds -
viewtopic.php?f=1&t=247505
viewtopic.php?f=1&t=231541

If you want to buy it, buy it now before it closes :wink:
by Miriam2
Fri Apr 27, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 67
Views: 7091

Re: Using Vanguard’s advisors

. . . after one year my advisor left for a private concern. Tried to take our account with him but I simply stopped all services. Still have that wonderful Vanguard analysis in its binder from August 2001, and occasionally look it over. I did not care for the total international bond index fund tha...
by Miriam2
Thu Apr 26, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Target-Date funds?
Replies: 18
Views: 867

Re: Thoughts on Target-Date funds?

One thing some investors may expect to see are lots of dividends and lots of capital gains so it looks like their fund is really gaining power. My kids have the Vanguard Target Date 2055 (VFFVX) fund and although it pays dividends and capital gains, it's nothing compared to Vanguard Wellington, whic...
by Miriam2
Thu Apr 26, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Target-Date funds?
Replies: 18
Views: 867

Re: Thoughts on Target-Date funds?

What are your thoughts on target-date funds? They are supposed to be aggressive in the initial stages and slowly become conservative over their age. I invested in a Target 2055 fund but not seeing aggressive results (either up or down). It has been pretty dead. Fund ticker SWORX. Looking for sugges...
by Miriam2
Thu Apr 26, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 67
Views: 7091

Re: Using Vanguard’s advisors

Time was Vanguard Group offered a one time for a fee portfolio analysis that was prepared by a team of their professionals. It was thoughtfully bound in an attractive binder and had lots and lots of information as to what I was doing(wrong) and their reasoning for the folios they had chosen. It up ...
by Miriam2
Thu Apr 26, 2018 6:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 301
Views: 53602

Re: South Florida Local Chapter

Hello South Florida Bogleheads 8-) Please pencil in our next local chapter meeting on Sunday, July 1, 2018, from 12 noon to 2:00 pm in Hollywood. This date is not firmed up yet. We are waiting to see if Taylor's new book on the "Three-Fund Portfolio" will be published by then so we can have a nice m...
by Miriam2
Thu Apr 26, 2018 6:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 181
Views: 23443

Re: Roll Call for the Retirement Class of 2018!

I turned 55 this month and turned in my paperwork to retire June 30. My first ever multi-week vacation is scheduled for August 8-) Congratulations incowtown! You're on THE LIST! Your "first ever multi-week vacation" sounds divine 8-) Victoria always says, "In retirement, great trips are the highest...
by Miriam2
Mon Apr 23, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments, thanks for LOOKING!
Replies: 14
Views: 2007

Re: Help with Personal Investments, thanks for LOOKING!

Here are my options for my 1st 401k : AMERICAN EUROPACIFIC GR R4 0.85% BLACKROCK GLOBAL ALLOCATION FD 0.53% DFA US TARGETED VAL CL INSTL 0.37% DODGE & COX STOCK FUND 0.52% MFS INSTL:INTL EQUITY 0.71% PRIMECAP ODYSSEY GROWTH FUND 0.67% STATE STREET S&P 500 INDEX 0.02% VANGUARD EXTEND MARKET INDX FD0...
by Miriam2
Sun Apr 22, 2018 5:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 181
Views: 23443

Re: Roll Call for the Retirement Class of 2018!

:D :D

"There's one thing I've always wanted to do before I quit. Retire."

(Groucho Marx in "Animal Crackers")

The Roll Call for the Retirement Class of 2019 is now OPEN
by Miriam2
Sun Apr 22, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9851

Re: What have you baked recently?

This chocolate sour cream bundt cake is also a family favorite https://www.cooksillustrated.com/recipes/1402-chocolate-sour-cream-bundt-cake Yikes! There's a firewall to the recipe :annoyed Is this the same version? http://www.geniuskitchen.com/recipe/chocolate-sour-cream-bundt-cake-cooks-illustrat...