Search found 2318 matches

by Miriam2
Thu Nov 15, 2018 11:24 pm
Forum: Forum Issues and Administration
Topic: How do I make a avatar
Replies: 3
Views: 221

Re: How do I make a avatar

how do I make an avatar that fits the requirements? From the FAQ button on the upper left of this screen - How do I display an avatar? Within your User Control Panel, under “Profile” you can add an avatar by using one of the four following methods: Gravatar, Gallery, Remote or Upload. It is up to t...
by Miriam2
Thu Nov 15, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Growth Fund VDIGX
Replies: 6
Views: 518

Re: Dividend Growth Fund VDIGX

. . . A year ago I moved the $200,000 in my deferred comp account (457) from the 500 index to VDIGX. After reading a couple of Jack's books and discovering this wonderful website I want to be all in on indexing. The problem is that it seems to be working out and we seem to be moving into more of a ...
by Miriam2
Thu Nov 15, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 58
Views: 3780

Re: How Long / Hard To Become a Millionaire on Under $100k Income

I am wondering how hard it is to become a millionaire on an income of less than $100k? Is millionaire status still achievable by 50? by 40? At some point, expenses can't be reduced any further. At what point does income have to rise substantially in order to reach early financial independence goals...
by Miriam2
Thu Nov 15, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 15
Views: 858

Re: Cremation seminar – with complimentary lunch

Teague wrote: If you go, try not to think of the 1973 film Soylent Green.
Teague! You crack me up! From your Bourbon Soaked Fruitcake to Soylent Green :D

BTW are you still on the Retirement Roll Call?
by Miriam2
Wed Nov 14, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 42
Views: 3112

Re: Northwestern Mutual nightmare - help needed

Jane Bryant Quinn has a recent book that is more up to date than "Making the Most of Your Money Now" . They are both excellent and I have read both several times. (Well, big parts of them.) The new one is "How to Make Your Money Last, The Indispensable Retirement Guide" and certainly worth buying. ...
by Miriam2
Wed Nov 14, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 116
Views: 5351

Re: Roth vs. Traditional 401k

Best advice I can give to people wondering which way to go is to learn to do your income taxes BY HAND. This will allow you to work through all the intricate details that effect personal marginal rates and allow you to take all of these opinions and apply them to your personal tax situation. I agre...
by Miriam2
Wed Nov 14, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Momentum Distinctions
Replies: 27
Views: 1471

Re: Larry Swedroe: Momentum Distinctions

Until recently I have been invested in AQR Style Premia QSPRX and AQR Managed Futures. Style Premia has CS momentum and Managed Futures TS momentum. My advisor changed me to AQR Alternative Risk Premia Fund QRPRX . This fund adds TS momentum and variance risk premium to the 4 QSPRX styles (which in...
by Miriam2
Wed Nov 14, 2018 3:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

January 1st for me. I'll be 3 months shy of 61. Looking at doing several things and looking forward to researching it.....but taking my time doing it. :sharebeer Welcome to the Bogleheads, Tzoellner, and congratulations on your New Years Day retirement! Enjoy your retirement plans research :happy -...
by Miriam2
Sun Nov 11, 2018 10:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

I just started my journey. This is my first weekend without having to think about going back to work on Monday (maybe forever). I always dreaded Monday. Now I don't have a good reason to dread Monday any more than Friday. :mrgreen: We're delighted you successfully made it to R-date :happy What a lo...
by Miriam2
Sun Nov 11, 2018 10:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

Spindrift wrote: Still on track for Feb but I'm 57 now.
Thank you Spindrift, we'll change your age upon re-boot, but 57 is still a great age to retire! Actually, any age is a great age to retire :mrgreen:
by Miriam2
Sun Nov 11, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does a life insurance policy not make sense?
Replies: 16
Views: 1737

Re: At what point does a life insurance policy not make sense?

What about an AD&D (Accidental death and dismemberment insurance)? I don't have a risky job, but I guess you never know. Forum member and insurance expert BruDude says buying an AD&D (Accidental Death & Dismemberment Insurance) policy is like buying a life insurance policy that only covers you on M...
by Miriam2
Sun Nov 11, 2018 12:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

1 July 2019. Final flight. 50 years a pilot . Done at 67 plus a few months. No more thunderstorms. Dear lacseul, Welcome to this Awesome Retirement Class! Wow, 50 years as a pilot - you've probably been up in the air longer than you've been on the ground :mrgreen: Time to grab some boots and tromp ...
by Miriam2
Sun Nov 11, 2018 12:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

Count me in - today is my first day of retirement bliss! I have lots of plans, but the first one is just to relax and unwind. Many thanks to all the Bogleheads who have been so kind and generous answering my questions and helped me prepare for my second life! :sharebeer Ah! Retirement bliss! Congra...
by Miriam2
Sun Nov 11, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: HSA How do I invest?
Replies: 8
Views: 1043

Re: HSA How do I invest?

I want to invest my HSA contributions but not sure of the best way to go about it. I have a T Ameritrade account. I heard that I can transfer money from the HSA Bank to Ameritrade. Once I do that, where would I invest my money? Is there an equalivent to a total stock market fund there? Also how wou...
by Miriam2
Sun Nov 11, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets from canceling whole life insurance policy - anyone out there?
Replies: 27
Views: 2952

Re: Regrets from canceling whole life insurance policy - anyone out there?

It's my understand that the dividend will cover the annual premium within the next 5 years or so, but I have trouble making sense of the in-force policy. My intent is to not cancel the coverage until we have the appropriate amounts of Term Insurance in place. Why did you buy the whole life policy i...
by Miriam2
Sat Nov 10, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: HSA How do I invest?
Replies: 8
Views: 1043

Re: HSA How do I invest?

Last year, I opened up an HDHP from GEHA (I'm a federal employee). I was contributing $75 a pay period last year while my employer contributed as well. I have about $2k sitting in the HSA Bank. My deductible is $1500, so if I do have an unforeseen medical expense, I can cover the deductable from my...
by Miriam2
Wed Nov 07, 2018 10:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 253
Views: 53748

Re: Roll Call for the Retirement Class of 2015!

Thank you Victoria F and Miriam 2 for welcoming me to this distinguished class. After 45 years of flying, including 24 Navy and 35 airline (overlapping during many years in the Naval Reserve) I'm now firmly on the ground at age 67. My claim to fame is investing shortly after its creation in the Van...
by Miriam2
Wed Nov 07, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Filing cabinet recommendations
Replies: 10
Views: 746

Re: Filing cabinet recommendations

I’m determined to get us (my wife and I) more organized. We currently have our financial and miscellaneous documents spread across 3 old, cheap filing cabinets. None of them lock. I’d like to buy a metal filing cabinet of decent quality that has a sturdy locking mechanism. Based on product reviews,...
by Miriam2
Sun Nov 04, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4659

Re: E. Jones/Vanguard and now Fisher Investments

I am age 75, no spouse, retired and have a portfolio of about $1.3 million 95% of which is with Edward Jones. This year I expect my EJ "fees and charges" to be about $14,500. Your "fees and charges" will add up to $72,500 in five years, assuming they don't raise their fees and charges :wink: Are th...
by Miriam2
Sun Nov 04, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Staying at the Hilton Miami Downtown 4 nights
Replies: 3
Views: 608

Re: Staying at the Hilton Miami Downtown 4 nights

DW has a work event at the Magic City Studios area next week. We've never been to the Miami area but hoping to eat some local food take some nice walks-hit a pub or two. Any suggestions on what to do there? Here's an older thread with good restaurant suggestions Help! I can't afford to eat on my So...
by Miriam2
Sun Nov 04, 2018 9:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

treadingwater wrote: Please add me. Last day was Friday.
My pleasure, I added you to this Awesome list with a R-date of October 26 :happy
I guess you're no longer just "treadingwater," now you're out in full swim 8-)
by Miriam2
Sun Nov 04, 2018 8:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 253
Views: 53748

Re: Roll Call for the Retirement Class of 2015!

Mountebank wrote: 1 December 2015. Mountebank
Congratulations on your retirement, Mountebank, and welcome to this Awesome Retirement Class! We added you to the list :D
What have you been up to for the last 3 years?
by Miriam2
Fri Nov 02, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - Bonds or Equities
Replies: 13
Views: 1233

Re: ROTH IRA - Bonds or Equities

It depends on your age/years until retirement & risk tolerance. . . . I have advised my kids (mid/late 20s) to be 100% stocks in their Roth IRA & to convert to an appropriate target date retirement fund when they turn 45-50, 15-20 years before retirement. Very aggressive & others will recommend at ...
by Miriam2
Fri Nov 02, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Getting on track; Edward Jones & Vanguard advice
Replies: 31
Views: 3142

Re: Getting on track; Edward Jones & Vanguard advice

Hi all, I’m new here and am simply hoping to get some direction with what I should do with my investments. It’s a bit all over the place at the moment. I’ll do my best to explain. . . . had been contributing to an employer provided Edward Jones Basic IRA/Roth for some years . . . Get out of EJ now ...
by Miriam2
Wed Oct 31, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: PRWCX (T. Rowe Price Capital Appreciation Fund)
Replies: 5
Views: 517

Re: PRWCX (T. Rowe Price Capital Appreciation Fund)

Are you considering this fund for your taxable account? We own it in our 401k's and it certainly brings us delight :moneybag It's a stock fund, about 75/25 but not really a balanced fund, a stock fund with a kitchen sink full of other goodies thrown in, such as convertibles, bonds, junk bonds, forei...
by Miriam2
Wed Oct 31, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 131
Views: 9600

Re: Core-4 Investing is LIVE! It really is this time!

Yes, I see a "Store!" :D Hats? Coffee mugs?
by Miriam2
Tue Oct 30, 2018 5:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

Happy Halloween everyone! Don't get spooked :greedy https://scontent.fmia1-2.fna.fbcdn.net/v/t1.0-0/c33.0.200.200/p200x200/64590_10151220809629736_1945703942_n.jpg?_nc_cat=111&_nc_ht=scontent.fmia1-2.fna&oh=927f3c34736481c8bcfc79c33d19c6d8&oe=5C4142DE https://www.facebook.com/Vanguard/photos/a.19447...
by Miriam2
Tue Oct 30, 2018 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

April 30, 2019 for me. Age 61 (62 in July) You're on the list - congratulations! As a CPA, I will continue to work a bit in preparing taxes until Medicare is an option, and maybe bit beyond that for "fun money". I don't do a large number of returns and they're easy money compared to the variety of ...
by Miriam2
Sun Oct 28, 2018 5:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

Here is the Autumn update for the Retirement Roll Call for the Great Class of 2018 :D We now have 47 lucky graduates :beer and many who are itching to PUNCH OUT! :!: Already Graduated - CONGRATULATIONS!! 01 Jan - BigOldBear 02 Jan - Billionaire 12 Jan - RubyTuesday (51) 15 Jan - wwhan (64) <<== Welc...
by Miriam2
Sat Oct 27, 2018 2:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 334
Views: 66852

Re: South Florida Local Chapter

Please see above ^^^^ post for our next South Florida local chapter meeting 8-)
by Miriam2
Sat Oct 27, 2018 1:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

Add me as another graduate with this being my first week of full-blown retirement. Saving and planning and waiting for this day my whole career, but leaving the security of a regular paycheck and a major shift in routine is a bit uncomfortable, to say the least. Anyway, full speed ahead, let the ad...
by Miriam2
Fri Oct 26, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 46
Views: 6861

Re: New Jack Bogle Book!

Just for the record miriam2, I think static portfolios (for life) are superior to changing ones. Just as an example, take a Vanguard Wellesley for example. Who really needs more return than it provides? And who would actually consider it too risky (at any stage in life)? For question 1, someone gre...
by Miriam2
Thu Oct 25, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 46
Views: 6861

Re: New Jack Bogle Book!

But if I must be serious, as most of you know, Bogle hasn't always stayed the course as he didn't in late 99' as I pointed out, but he implores us to do so nonetheless. . . . This is not accurate. As you know, Jack Bogle has changed his asset allocation over the course of his 89 years, which is pre...
by Miriam2
Thu Oct 25, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5310

Re: Compounding interest?

Markets(Capital assets) and your related accounts do not compound. The gain is selling minus cost (plus dividends). Compounding magic works only in fixed income instruments like a cd. I'm not so sure about this . . . From "The Little Book of Common Sense Investing" by Jack Bogle, pgs. 65-66 (10th A...
by Miriam2
Thu Oct 25, 2018 5:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

Greetings All ! I'm joining the Retirement Class of 2018 as of 10/15/2018 at 64 years young. DW (62) will retire 6/2020 . . . I'm taking it a day at a time but it feels good. Decision to retire was mine; I just felt it was time after 41 years of corp. life, travel, etc. Congratulations "When i'm 64...
by Miriam2
Thu Oct 25, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5310

Re: Compounding interest?

Thank you for this. Using these retirement calculators and projecting a conservative 3%-5% return rate assumes a simple return but the annual rate of return of an investment is usually the effect of a series of returns (geometric mean). So if I am saving heavily, could it be that over time that my ...
by Miriam2
Wed Oct 24, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5310

Re: Compounding interest?

Please help me understand how saving heavily and compounding returns positive growth when I see losses in my accounts? Don't the losses wipe out the power of compounding in other words? Here is a neat article that describes saving and compounding, especially saving that first $100,000 :happy Charli...
by Miriam2
Sat Oct 20, 2018 5:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

:musical_note: " We're movin' on up... " :musical_note: (theme from the tv show: "The Jeffersons"). Just reached a final agreement with the boss. January 15 is my last day. The day I turn 62. On the 16th I'm going to call in "well". David Jay is a musical Boglehead, music gets him going! Congratula...
by Miriam2
Sat Oct 20, 2018 4:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

I did it! Retired from FT federal employment yesterday (technically today per pay period.) This no doubt triggered the hiccups in stocks this week, so I apologize to all who were unsettled, temporarily or otherwise. :D Congratulations Bayview! Looks like you punched out several months earlier than ...
by Miriam2
Fri Oct 19, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)
Replies: 34
Views: 3056

Re: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)

This is a very confusing subject. Note that contributions are not treated the same as conversions, and there are differing rules for ¨tax free¨ vs ¨penalty free¨ distributions. Also Roth 401k rules are different from Roth IRA rules. Michael Kitces is a generally excellent expositor and I would reco...
by Miriam2
Fri Oct 19, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12964

Re: What time do you get up in the morning?

This is often presented as a exemplar of marital devotion so perhaps someone can explain why? It's the selfless act of one spouse taking the time out of their schedule to prepare something that their spouse considers special, then lovingly deliver that product to their spouse when their spouse real...
by Miriam2
Fri Oct 19, 2018 7:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

Forgive the off-topic question... DW is planning to punch out early 2020. Would it be permissible to announce for her here on Bogleheads when the 2020 list shows up? (She doesn't have a login here.) The Retirement Roll Call uses the protocols set forth by Lady Victoria, our founding mother 8-) Lady...
by Miriam2
Fri Oct 19, 2018 6:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46279

Re: Roll Call for the Retirement Class of 2018!

Retired at age 64. Now, everyday is Saturday. I used to look forward to the weekend, now I look forward to the weekday when everything is open and less crowded. Put my R-date as January 15, 2018, since that is my first day of not working at a job. wwhan - I sent you a PM back in Sept. but you haven...
by Miriam2
Fri Oct 19, 2018 6:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 123
Views: 15397

Re: Roll Call for the Retirement Class of 2019!

Have been looking for a firm target date. Had been looking for an end of pay period in July or August and have settled on the perfect date. July 4, 2019 is the end of a pay period and what could be more appropriate than Independence Day? Jeff The most perfect time to retire! We'll log you in for Ju...
by Miriam2
Thu Oct 18, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 9982

Re: Warren Buffett: "True Power"

Bogleheads: Words of wisdom from Warren Buffett: You will continue to suffer if you have emotional reaction to everything that is said to you. True power is sitting back and observing things with logic. True power is restraint. If words control you that means everyone else can control you. Breathe ...
by Miriam2
Wed Oct 17, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Help with 401k rollover, Roth conversion]
Replies: 3
Views: 394

Re: [Help with 401k rollover, Roth conversion]

^^^ Another fabulous Duckie step-by-step :D
Duckie wrote: You open a Roth IRA and either online or on the phone transfer the dollar amount you want to convert from the TIRA to the Roth IRA. . . .
by Miriam2
Sun Oct 14, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6534

Re: Chipmunk problem

munemaker wrote: I relocated about a dozen earlier in the summer. They were gone, but now more are back. Time to get the Chippee Relocation Program (CRP) i.e. "catch & release" back in gear.
Make sure to dye them so if they return, you know who the repeat offenders are :wink:
by Miriam2
Sun Oct 14, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 720

Re: Collective Investment Trust choice in 401k

My suspicious nature appears again - if the CIT reinvests the dividends automatically and it never shows on any statements, how do we know they ARE doing what they say they're doing :annoyed In my case, these details are all reported on the plan's annual report, and I can also check their math afte...