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Re: [What is safest vehicle on the road today that I can buy

Does anyone have a specific model in mind?

We're trending into a general discussion of accident safety, which is not the intent of this discussion.
by LadyGeek
Tue Apr 21, 2015 8:20 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 30
Views: 1596

Re: Dealing with tourists taking photos. Etiquette question

Via PM, the OP has requested this thread to be unlocked because this is a travel issue and therefore a consumer issue. It considers ways to enjoy your vacation better and provides tips on how to deal with crowds around tourist attractions.

I agree, this thread is now unlocked.
by LadyGeek
Tue Apr 21, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 28
Views: 2462

Re: The real reason for the flash crash?

This thread has run its course and is locked (stupidity of others). See: Forum Policy UNACCEPTABLE TOPICS Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: ⋅  US or world economic,...
by LadyGeek
Tue Apr 21, 2015 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: The real reason for the flash crash?
Replies: 5
Views: 581

Re: Dealing with tourists taking photos. Etiquette question

This thread has run its course and is locked (not a consumer issue, also trending into a general rant). See: Forum Policy Personal Consumer Issues This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Acceptable topics i...
by LadyGeek
Tue Apr 21, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 28
Views: 2462

Re: “Entry level” luxury cars under 40k

Back on page 1 of this thread, I removed one of ESK husband's "non-PC" (not Politically Correct) comments, along with a follow-up. This forum maintains a "family friendly" environment, which means to use civil language (OK here) and to avoid referencing stereotypes which can be ...
by LadyGeek
Tue Apr 21, 2015 7:14 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 82
Views: 5915

Re: pay off mortgage or renovate home?

Good point. She got the 10-year adjustable because she didn't know at the time she bought the house how long she'd be staying in it. But lately she's been saying that she wants it to be her last house, and to leave it to her children as an inheritance. She plans to rent it out if she needs assisted...
by LadyGeek
Tue Apr 21, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or renovate home?
Replies: 12
Views: 611

Re: What is safest vehicle on the road today?

Blue - To keep this actionable, are you intending to purchase a vehicle? The OP has replied to me via PM, as she/he is planning on purchasing next vehicle and is looking to safety as a primary determinant. Safety means the vehicle least likely to cause injury and/or death to vehicle occupants from ...
by LadyGeek
Tue Apr 21, 2015 5:57 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 30
Views: 1596

Re: What is safest vehicle on the road today?

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be askin...
by LadyGeek
Mon Apr 20, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 30
Views: 1596

Re: pay off mortgage or renovate home?

This thread is now in the Personal Finance (Not Investing) forum (payoff mortgage, refinance, or renovate). First, does your mother want to renovate? If she's not happy unless the house is renovated, make this the priority. Next, the mortgage is going sky high 7.5 years down the road. Is she going t...
by LadyGeek
Mon Apr 20, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or renovate home?
Replies: 12
Views: 611

Re: Can SiriusXM Radio damage my credit rating?

Discussions of dishonest behavior or bypassing the law are totally unacceptable. The OP has an obligation to pay the charges. This thread has run its course and is locked.

Here is the SiriusXM Customer Agreement.
by LadyGeek
Mon Apr 20, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Can SiriusXM Radio damage my credit rating?
Replies: 15
Views: 930

Re: What is safest vehicle on the road today?

This thread is now in the Personal Consumer Issues forum (car).

Blue - To keep this actionable, are you intending to purchase a vehicle?
by LadyGeek
Mon Apr 20, 2015 8:43 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 30
Views: 1596

Re: Can I open a Vanguard Brokerage account with my...?

I may have gotten my guess wrong. jsoltani - This is probably too complicated, but are you instead referring to this type of self-directed IRA, from: Investor Alert: Self-Directed IRAs and the Risk of Fraud An Individual Retirement Account (IRA) is a form of retirement account that provides investor...
by LadyGeek
Mon Apr 20, 2015 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 19
Views: 931

Re: Can I open a Vanguard Brokerage account with my...?

I want to invest in vanguard admiral shares of mutual funds but I want my account to be vested with my 3rd party self directed ira custodian. i.e. I send money to my SDIRA, it sends it to Vanguard, I choose what to Invest, then when it's time to withdraw vanguard sends to SDIRA Account. I like havi...
by LadyGeek
Mon Apr 20, 2015 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 19
Views: 931

Re: What moves does Fred need to make?

My apologizes. I guess I don't get the hang of what is actionable. The scenario was carefully constructed to represent someone entering retirement in the somewhat near to medium term with their basic expenses covered by SS and pensions. I was hoping to get a better idea of how a portfolio that is n...
by LadyGeek
Mon Apr 20, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: What moves does Fred need to make?
Replies: 7
Views: 677

Re: [Who is Ameriprise? Got invitation from a financial advi

Here's the Ameriprise Client relationship guide.

Pay attention to how they get compensated. The funds he recommends will be in Appendix A. BTW, the appendix is out of date.
by LadyGeek
Mon Apr 20, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2554

Re: Overinflating Tires

I used to calculate the required pressure using tire pressure load tables. Now, I just slack off and add about 1 or 2 pounds because I'm usually the only driver in the car and carry almost no extra cargo. When I check my pressure, it's almost always near 59 deg F - the temperature used to create the...
by LadyGeek
Mon Apr 20, 2015 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2688

Re: Vanguard Certified Financial Planner

This thread is now in the Personal Finance (Not Investing) forum (financial planner).

Please see this wiki article: Financial planner

Be sure you understand the difference between a financial planner and an Investment adviser.
by LadyGeek
Sun Apr 19, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Certified Financial Planner
Replies: 10
Views: 1684

Re: [Who is Ameriprise? Got invitation from a financial advi

This thread is now in the Personal Finance (Not Investing) forum (financial advisor). I also retitled the thread.

He's a neighbor? "Never do business with friends or relatives. You'll lose your friends and can't get rid of your relatives."
by LadyGeek
Sun Apr 19, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2554

Re: Overinflating Tires

FrugalInvestor wrote:...A well known consumer reporting sites ranks Accutire 4400-B and Accutire 4021-B as #1 and #2 respectively at around ten bucks apiece.

Read the Amazon.com reviews before you decide. Pay attention to battery life and ease of use, you might want to look elsewhere.
by LadyGeek
Sun Apr 19, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2688

Re: My job says I can't work for anyone else...

This thread is now in the Personal Finance (Not Investing) forum (employment). Please stay focused on helping the OP, which is: I'm employed as a W2 with my current job as a doc. In the employment contract I signed it says I can't work for another company as a doc while I'm employed with them. I'm w...
by LadyGeek
Sun Apr 19, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 5952

Re: What Experts Say [about various investing topics]

Taylor Larimore has added another thread, which is updated in Post #1: "What Experts Say About Jack Bogle"

The complete series is in the wiki: What the experts say about investing
by LadyGeek
Sun Apr 19, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 4634

Re: "What Experts Say About Jack Bogle"

This thread is 1 of 10 posted by Taylor Larimore's "What the experts say" series, which is in the wiki: What the experts say about investing
by LadyGeek
Sun Apr 19, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: "What Experts Say About Jack Bogle"
Replies: 7
Views: 1969

Re: Car for teenager

This thread is now in the Personal Consumer Issues forum (car). I fixed the spelling in the title - "teen ager" to "teenager."
by LadyGeek
Sun Apr 19, 2015 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 46
Views: 1986

Re: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?

Thanks all :) I will switch it ASAP . Correction, she will switch it ASAP. :wink: All IRAs, including a SIMPLE IRA are tracked to the person. It's her money regardless of marital status. See: SIMPLE IRA Plan FAQs , which states that SIMPLE IRAs follow traditional IRA rules. From Publication 590-A (...
by LadyGeek
Sun Apr 19, 2015 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 9
Views: 402

Re: Overinflating Tires

Overinflation of tires by 10 psi will not harm the tire, although it may wear the tread a little faster since the center of the wear surface is bulged out. The normal increase in pressure is 5 psi as the tire heats up and 3-5 psi from daytime heat Tires actually run slightly cooler when they are ov...
by LadyGeek
Sun Apr 19, 2015 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2688

Re: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?

Welcome! First, here are the funds in question: - Fidelity Freedom® Index 2045 Fund FIOFX Exp Ratio (Gross) 0.26% ($2.60 per $1000) 5/30/2014 Exp Ratio (Net) 0.16% ($1.60 per $1000) 5/30/2014 - Fidelity Freedom ® 2045 Fund FFFGX Exp Ratio (Gross) 0.78% ($7.80 per $1000) 5/30/2014 Exp Ratio (Net) 0.7...
by LadyGeek
Sun Apr 19, 2015 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 9
Views: 402

Re: For those living @ home after college...

This thread has run its course and is locked (general comment, not investing or finance related). See: Forum Policy Personal Finance This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are: - insurance - employment issues - credit card and cr...
by LadyGeek
Sun Apr 19, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those living @ home after college...
Replies: 6
Views: 755

Re: Anyone built a [LEED] rated green house?

FYI - I fixed the title. The OP can change the thread's title by editing the Subject: line in Post #1.

rustymutt - Feel free to change it as needed.
by LadyGeek
Sun Apr 19, 2015 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 730

Fiduciary Standard - Now open for public comments

The proposed Fiduciary Standard legislation will be open for public comments on 4/20/2015, but the website is up and running now. The site owner, Alex Frakt, is now permitting comments in the forum[, pursuant to our exception to the general rule against discussing legislative proposals: "Propos...
by LadyGeek
Sun Apr 19, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Fiduciary Standard - Now open for public comments
Replies: 6
Views: 622

Re: mandatory 17% tip at a buffet

This thread is now in the Personal Consumer Issues forum (tipping).
by LadyGeek
Sun Apr 19, 2015 2:08 pm
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3456

Re: was there a recent change in the forum font?

The forum font has not changed, check your browser settings. For example, Firefox has a setting that allows you to override the website's fonts: Settings for fonts, languages, and pop-ups See if the "Allow pages to choose their own fonts, instead of my selections above: " box is checked. I...
by LadyGeek
Sun Apr 19, 2015 2:06 pm
 
Forum: Forum Issues and Administration
Topic: was there a recent change in the forum font?
Replies: 5
Views: 453

Re: how to deal with it [regret over past investing choices]

How about this 29 page thread on a real-life Boglehead situation: A different approach to asset allocation
by LadyGeek
Sun Apr 19, 2015 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5690

Re: Schwab Intelligent Portfolios [now live]

Good point, as this ETF database search shows that Schwab is the only ETF using the fundamental index. Russell Fundamental U.S. Large Company Index - ETF Tracker

FNDX has an expense ratio of 0.32%.

Update: Page 6 of this thread deep-dives into fund analysis.
by LadyGeek
Sun Apr 19, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 357
Views: 28934

Re: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies

^^^ I had originally moved this thread into Variable spending strategies paper by Pfau, but the OP wishes it to remain separate. It's now back to where it was.
by LadyGeek
Sun Apr 19, 2015 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies
Replies: 10
Views: 1202

Re: Schwab Intelligent Portfolios [now live]

Thanks. I compared the indices directly from the provider.* Russell 1000® Index Total returns as of March 31, 2015 March 3 Month YTD 1 yr 3 yr 5 yr 10 yr -1.25 1.59 1.59 12.73 16.45 14.73 8.34 Russell Fundamental U.S. Large Company Index Total returns as of March 31, 2015 March 3 Month YTD 1 yr 3 yr...
by LadyGeek
Sun Apr 19, 2015 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 357
Views: 28934

Re: What Movie Have You Recently Watched?

One Down, Five to Go . If you've ever watched the Monty Python TV series or movies, watch this. It's their last performance, done (mostly) live in London. They've modernized some of their bits, but it has everything a true Monty Python fan can expect. I laughed so hard, my brain hurt. The material ...
by LadyGeek
Sun Apr 19, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 758
Views: 100415

Re: Schwab Intelligent Portfolios [now live]

What does the "Fundamental" mean, e.g. "US large" vs. "US large - Fundamental"? Is it cap weighting or something else? Why allocate both?
by LadyGeek
Sun Apr 19, 2015 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 357
Views: 28934

Re: Anyone built a Leer rated green house?

This thread is now in the Personal Consumer Issues forum (house).
by LadyGeek
Sat Apr 18, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 730

Re: Is this an index fund?

Perhaps, but let's give the OP some time to get the information.

Facts first, then we'll "politely" explain :wink: why we're stomping all over it.
by LadyGeek
Sat Apr 18, 2015 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 16
Views: 1349

Re: Township replacing parking meters with kiosks. Is this

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about ...
by LadyGeek
Sat Apr 18, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Township replacing parking meters with kiosks. Is this bad?
Replies: 9
Views: 475

Re: Retirement expenditure concept

Thank you, that explains a lot. I assume you've contacted Vanguard's legal department, as "noncompliant" tends to get a lot of attention. I'm not a lawyer, so I'll stop here.
by LadyGeek
Sat Apr 18, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 46
Views: 3497

Re: Is this an index fund?

Can you get the name of this "index fund"? I'm concerned that it may indeed be an insurance product, there are a LOT of them. For example: Equity-indexed annuity Point your friend to this forum (without disclosing your username) and show him the wiki: Getting started We'll be glad to help ...
by LadyGeek
Sat Apr 18, 2015 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 16
Views: 1349

Re: Safety Deposit Box is Necessary (+1 plug:)

Please stay on-topic, which is about hiding your stuff.

Dog owners may be interested in this thread: First Time Dog Owners -- Any Regrets?
by LadyGeek
Sat Apr 18, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4368

Re: Review my financial health. [Was - Tesla: HELOC vs Loan]

^^^ No worries, investing is indeed complicated and it takes time to figure this stuff out. The important point is that you take your time and to not be overwhelmed. There's no such thing as a question that's too simple to ask. The experienced members eat this stuff for lunch every day. If you don't...
by LadyGeek
Sat Apr 18, 2015 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 115
Views: 7991

Re: Retirement expenditure concept

...Just imagine that you are incapacitated and someone else getting the money out of your investments is critical to your well being. ...Its moving any Vanguard investments into the bank account that is a PITA Is it a problem with the way Vanguard implements Power of Attorney (POA)? There are 2 for...
by LadyGeek
Sat Apr 18, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 46
Views: 3497

Re: Retirement expenditure concept

Professor Emeritus wrote:But I still don't have a good handle on planning the expenditures
Im looking for an autopilot


Would this wiki article series be relevant? Retirement spending Perhaps one of the expenditure models will work.
by LadyGeek
Sat Apr 18, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 46
Views: 3497

Re: Private messages in outbox

Sorry for the delay, I just saw this thread.

This is a common question which is answered in the wiki: Posting FAQ for the Bogleheads® forum (Was my private message read?)
by LadyGeek
Sat Apr 18, 2015 9:24 am
 
Forum: Forum Issues and Administration
Topic: Private messages in outbox
Replies: 4
Views: 476

Re: Tips for Post-College Lifestyle

It's cool if you want to erase or strike your own written post. It's NOT COOL to strike my posted verbiage. Is there a forum rule about that, or is it just your preference? I'm genuinely curious. It's common courtesy, but I guess I'm old-fashioned that way. If you have an opinion, it's fine to post...
by LadyGeek
Fri Apr 17, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 2706
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