Search found 2487 matches

by Miriam2
Sat Oct 27, 2018 1:04 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

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: 51
Views: 8591

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: 51
Views: 8591

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: 5515

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: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

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: 5515

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: 5515

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: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 271
Views: 32336

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: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

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: Personal Investments
Topic: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)
Replies: 34
Views: 3167

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: 13262

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: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 271
Views: 32336

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: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

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: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 271
Views: 32336

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: 10331

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: 418

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: 6719

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: Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 791

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...
by Miriam2
Sun Oct 14, 2018 7:21 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

After years and years of planning and more than nine-months notice to my organization, finally, Friday was my last day at work! Wow. And as cool as Friday was, on Saturday I noticed I wasn't getting that vague tight feeling in my gut and shoulders, anticipating Monday was just around the corner. Su...
by Miriam2
Sun Oct 14, 2018 4:23 pm
Forum: Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 791

Re: Collective Investment Trust choice in 401k

Thank you JoMoney and peppers for your help :happy It's only an issue if you have a mental hangup on wanting to see a dividend transaction , there's no real difference if you just make the withdrawal transaction of an equivalent amount yourself. Even with regular mutual funds, dividends are usually ...
by Miriam2
Sun Oct 14, 2018 3:34 pm
Forum: Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 791

Re: Collective Investment Trust choice in 401k

FWIW, if I log in to my 401k plan (administered through Fidelity), I can get a up to date quote on the value of a CIT share, see how many shares I own, and what the purchase/sale price was on any transactions . Is their automatic reinvestment of dividends a "transaction?" It's difficult to get quot...
by Miriam2
Sun Oct 14, 2018 3:03 pm
Forum: Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 791

Re: Collective Investment Trust choice in 401k

. . . If you have experience with CITs, can I ask if you receive pricing/value info on perhaps a quarterly basis? I know it’s not in keeping with BH principles to constantly monitor how one’s investments are fluctuating, but I do like to check-in periodically My employer's 401k is located at Vangua...
by Miriam2
Fri Oct 12, 2018 5:02 pm
Forum: Personal Investments
Topic: Help evaluate my investment situation
Replies: 23
Views: 2665

Re: Help evaluate my investment situation

Here are the contribution limits for the various plans from The Finance Buff

2018 2019 401k 403b IRA Contribution Limits
2017 2018 2019 HSA Contribution Limits
by Miriam2
Fri Oct 12, 2018 3:23 am
Forum: Personal Investments
Topic: Help evaluate my investment situation
Replies: 23
Views: 2665

Re: Help evaluate my investment situation

In my situation, trying to figure out what to invest in first. My RIRA and HSA are not big enough to allocate across multiple investments currently. Based on ER and different aspects of my funds I'm using in my 401k, does it makes sense to say allocate it's funds to a lower ER bond fund? I don't th...
by Miriam2
Tue Oct 09, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 22
Views: 3945

Re: BOGLEHEADS 2018 VIDEOS

Thanks so much Rich for taking the time out of your busy schedule to preserve these priceless Bogleheads Conferences on video, then publish them for all of us :D
by Miriam2
Mon Oct 08, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5828

Re: 2018 Bogleheads Conference Notes

Steve321 - I've been to four Bogleheads Conferences and there is no one more affable, helpful, warm, interesting, friendly and genuinely kind than Dr. Bernstein (other than Jack Bogle and Taylor Larimore :happy ) Dr. Bernstein spends the entire conference meeting every Boglehead with warmth, he answ...
by Miriam2
Sun Sep 30, 2018 11:12 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

Please add me. Done as of yesterday. :beer My eternal thanks go to Jack Bogle and whoever first told me about Vanguard, index funds and Bogleheads concepts (long before I found this site). And my parents for putting me on the right track many years ago and my wife for supporting me on this journey....
by Miriam2
Sun Sep 30, 2018 11:02 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

Thanks to a significant amount of accumulated leave and careful planning, today was my last day in the office! i have officially joined the ranks of the retired a few months earlier than anticipated. Mrs. Galawdawg and I look forward to meeting folks next Wednesday at our first Bogleheads conferenc...
by Miriam2
Sun Sep 30, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 33940

Re: 2018 BOGLEHEADS CONFERENCE UPDATE

More exciting news for those who will be attending our Conference next month: Author, Wall Street Journal columnist and Bogleheads' favorite, Jason Zweig, will be joining us. I've added him to the Q&A with the Experts Panel. Jason will also be signing books during the book signing session, so bring...
by Miriam2
Sun Sep 30, 2018 10:13 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 63229

Re: Roll Call for the Retirement Class of 2017!

Here is the up-dated List for last year's retirement class of 2017 with 72 very happy graduates :D Our youngest retiree is Lostdog at age 41 8-) and our oldest retirees are Rennale and RetiredInTN2017 at age 67 :D Our most senior Boglehead to graduate is Gort, our awesome 8-foot robot, who joined th...
by Miriam2
Sun Sep 30, 2018 9:58 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

Today was my last day in the office. Finished up and strolled out at 1030am. 40 years with the same company, age 65 next month, and time to move to a new chapter in my life. Guess I’ll be signing up for Medicare next week. Congratulations Stinky! 40 years with the same company! What a nice ending t...
by Miriam2
Sun Sep 30, 2018 9:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

Miriam2, already knows that I am part of this class rather than the class of 2019 when I requested to be rolled forward into the class of 2018 on in Nov 1 at age 59. I am spinning the pedals faster now for the finish line. I just finalized my retirement papers. I posted here so I can track the reti...
by Miriam2
Sun Sep 30, 2018 3:24 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

I'm retiring as of Dec 1! Good idea! There comes a point where enough is enough . . . One day you turn around and it's summer Next day you turn around and it's fall And the springs and the winters of a lifetime Whatever happened to them all? As a man who has always had the wand'ring ways Now I'm re...
by Miriam2
Sun Sep 30, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 14450

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

In his original book "The Millionaire Next Door," Mr. Stanley described how he selected his data base of millionaires to interview and admitted that various types/kinds of millionaires were under-reported and would not be included in his analysis. He felt that the basic premise and points of his boo...
by Miriam2
Sun Sep 30, 2018 1:34 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

Here is a different version, just as delicious but with a true crackle crisp top :D CRACKLE TOP SWEET POTATO PUDDING - . . . Hi Miriam2, Is the pudding a desert or side dish? Oohh it's everything! Mainly as a side dish to go along with the turkey. However, once your family and friends eat it, they'...
by Miriam2
Sun Sep 30, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 mess and what to do
Replies: 41
Views: 4202

Re: 8606 mess and what to do

For tax questions, here is a good website that also has a forum expressly for tax Qs. Several Bogleheads post there as well on tax issues. The man who runs Fairmark.com, Kaye Thomas, also wrote the best book I've read on Roth conversions, "Go Roth."

www.fairmark.com
by Miriam2
Sun Sep 30, 2018 12:44 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 63229

Re: Roll Call for the Retirement Class of 2017!

I am planning to do about 300 miles (30 days) of the Appalachian Trail in New Hampshire and Maine starting in late July... we will see how well that works out. "Man plans, God laughs"! How did your plan work out? :D Not too well! I did an AT thru-hike in 2002 after I retired from the Army at age 43...
by Miriam2
Tue Sep 25, 2018 4:11 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 369
Views: 56729

Re: Roll Call for the Retirement Class of 2018!

Put my R-date as January 15, 2018, since that is my first day of not working at a job. Will do, we'll include you on re-boot. My Social Security statement says my first SS tax year (1970), I only made $42.00. Better check them, you know they make mistakes 8-) I am not taking SS until I hit the limi...
by Miriam2
Mon Sep 24, 2018 9:29 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 63229

Re: Roll Call for the Retirement Class of 2017!

saw this today I retired May 31 2017 so far doing well. Net worth actually increase even with DW doing a kitchen make over. :oops: but the market has been good so far. Will see how 2018 pans out. Blister - Welcome to the Class! I'll include your name on The List when I re-boot. Hope your retirement...
by Miriam2
Mon Sep 24, 2018 9:00 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 271
Views: 32336

Re: Roll Call for the Retirement Class of 2019!

2pedals wrote: I wish to retire even earlier so I am leaving this class and rolling into the class of 2018 to retire in Nov at age 59 :mrgreen:
Ok 2pedals! In before the 60's bell 8-) We'll include you over on the 2018 Roll Call.
by Miriam2
Mon Sep 24, 2018 2:00 pm
Forum: Forum Issues and Administration
Topic: Power Distribution testing underway
Replies: 3
Views: 726

Re: Power Distribution testing underway

Thank you for the heads-up Larry.

And thank you for keeping the BH server happy and humming :happy
by Miriam2
Sun Sep 23, 2018 11:17 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 63229

Re: Roll Call for the Retirement Class of 2017!

Charlie Foxtrot wrote: I am planning to do about 300 miles (30 days) of the Appalachian Trail in New Hampshire and Maine starting in late July... we will see how well that works out. "Man plans, God laughs"!
How did your plan work out? :D
by Miriam2
Sun Sep 23, 2018 4:25 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 63229

Re: Roll Call for the Retirement Class of 2017!

I retired May, 2017. Only regret is that I had gotten out a few years sooner. I've found it doesn't take as much money as I thought. Between SS and this pension I have yet to touch IRA monies. In 2017 travelled 60 days and this year about 34 days thus far. jcar - Welcome to this Retirement Class! S...
by Miriam2
Sun Sep 23, 2018 3:37 pm
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 15124

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Has anyone answered the question yet about how the two yields are calculated. I always treated them as basically equivalent and leave my money where the higher one is but if I were to find out that one method is 10 basis points lower than the other, that could affect my decision. Yes it was answere...
by Miriam2
Sat Sep 22, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Allocating 1/3 of Investable Assets to Roth Accounts
Replies: 35
Views: 2183

Re: Allocating 1/3 of Investable Assets to Roth Accounts

Some of us even started working before IRAs were even "invented". I suspect Miriam2 is in that group with me too. Once tIRAs became available, people slowly ramped up savings for retirement (at a maximum contribution of $1,500 or 2,000 per year[??]) on salaries a fraction of what they are now. :D Y...
by Miriam2
Sat Sep 22, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Allocating 1/3 of Investable Assets to Roth Accounts
Replies: 35
Views: 2183

Re: Allocating 1/3 of Investable Assets to Roth Accounts

So. No one can explain where the 1/3 to Roth came from other than just made up? This is where the "1/3 Roth" came from and I wouldn't call it "made up." The How to Grow Your Roth IRA article you linked spells it out, and also the article links to How Should You Allocate Savings? and other articles ...
by Miriam2
Sat Sep 22, 2018 10:34 am
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 15124

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

I was also wondering. I found this blog post from MyMoneyBlog http://www.mymoneyblog.com/comparing-interest-rates-and-yields-from-money-market-funds-and-savings-accounts.html which explains to compare the 7-day effective compound yield of the money market fund to the savings account APY. OR, if you...
by Miriam2
Fri Sep 21, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Allocating 1/3 of Investable Assets to Roth Accounts
Replies: 35
Views: 2183

Re: Allocating 1/3 of Investable Assets to Roth Accounts

To address your Q, I have read your article as well as the first article the author wrote in the series on how high net worth individuals should save and plan for retirement, and both articles make perfect sense to me in the Boglehead world. Perhaps others could comment on the articles if I'm wrong....