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Re: New investor [UK portfolio help]

Welcome! I retitled your thread to draw the attention of our UK experts. The wiki can provide some background info: UK investing I'm not a UK expert, but holding 100% stocks is not a good idea - regardless of where the bond market is. Consider starting at 80% stock / 20% bonds. See: Asset allocation...
by LadyGeek
Wed Jul 23, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor [UK portfolio help]
Replies: 3
Views: 213

Re: SEC Adopts Money Market Fund Reform Rules

FYI - I merged Mr Bear's thread into here, which is in the Investing - Theory, News & General forum.
by LadyGeek
Wed Jul 23, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 17
Views: 1052

Re: [Deferred] Annuity Purchase Excluded from RMD Calculatio

This thread is now in the Investing - Theory, News & General forum. The topic covers both investing and RMDs (which belong in the personal finance forum). This discussion seems focused on the investing aspects.
by LadyGeek
Wed Jul 23, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: [Deferred] Annuity Purchase Excluded from RMD Calculation
Replies: 17
Views: 1001

Re: If Argentina Defaults

This topic has run its course and is locked. See: Forum Policy The idea is that that topics like this have no definitive conclusion which can be reached from the discussion, and usually result in contentious disagreements. To keep the moderators sane, we put this policy in place. (This is also why ...
by LadyGeek
Wed Jul 23, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: If Argentina Defaults
Replies: 21
Views: 1886

Re: HSA and ObamaCare subsidies

Edited to add: My apologies to the moderators if this discussion is off limits. I don't think it would be, as, despite the fact that things aren't settled yet, it's not proposed legislation but rather as-yet-undetermined-status of passed legislation. But I'm not sure. This is a court ruling, not pr...
by LadyGeek
Wed Jul 23, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA and ObamaCare subsidies
Replies: 11
Views: 966

Re: SEP-IRA employer contributions fr/ personal account-prob

I removed several off-topic comments. As a reminder, see: Forum Policy We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. There is a disagreement on the approach taken here. Please state your perspect...
by LadyGeek
Wed Jul 23, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA employer contributions fr/ personal account-problem?
Replies: 16
Views: 1084

Re: Help with fixing my portfolio

I removed an off-topic comment. As a reminder, see: Forum Policy

We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones.
by LadyGeek
Wed Jul 23, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fixing my portfolio
Replies: 6
Views: 539

Re: Assisted Living Residence and Care Agreement - Questions

^^^ Thanks, I'll check on that. Currently, she doesn't have enough income to itemize. Figuring out her 2014 income tax is next on the list. She can claim MFJ for this year, with spouse as deceased. On another aspect, I'm on of the beneficiaries in her Entrance Deposit refund form. The salesperson wa...
by LadyGeek
Wed Jul 23, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2844

Re: Assisted Living Residence and Care Agreement - Questions

^^^ Good point.

BTW, let's use this thread for any generic discussions regarding Assisted Living agreements. I'm done with my questions, but there's a lot of good info here. Keep going.
by LadyGeek
Tue Jul 22, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2844

Re: Assisted Living Residence and Care Agreement - Questions

Following up, my Mom signed the agreement today. The apartment has just been vacated, so we need to wait until it's refurbished for occupancy. She expects to move in before the end of August. The sales person offered an incentive of one month free rental (30 days) to close in July. When all was said...
by LadyGeek
Tue Jul 22, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2844

Re: Susie Orman says buy individual Munis instead of Bond fu

This thread is now in the Investing - Theory, News & General forum (individual bonds vs. bond funds). Here we go again. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=126586 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=124715 The links in human readable format: - Suze Orman ...
by LadyGeek
Tue Jul 22, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Susie Orman says buy individual Munis instead of Bond funds
Replies: 15
Views: 2667

Re: NY Times Article - a case for index investing

FYI - I merged FredCouples's thread into here.
by LadyGeek
Tue Jul 22, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 2868

Re: Taiwan Local Chapter

The wiki has several articles which might help: - List of Taiwan exchange traded funds - Taiwan bond indexes - Taiwan treasury bill rates May I suggest you start a new thread in the Investing - Help with Personal Investments forum using the Asking Portfolio Questions format (customised for Taiwan)? ...
by LadyGeek
Tue Jul 22, 2014 4:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 46
Views: 4821

Re: Problems accessing the site

I can also take a look at these problems. PM me with the details.
by LadyGeek
Mon Jul 21, 2014 10:38 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 402

Re: Vanguard Client Dispute Resolution Dept.

I received a PM which may be helpful. This thread remains locked. Vanguard does in fact have a customer complaint department. It's is called "The Executive Response Team". I have been unable to locate their phone number in my notes, and I'm no longer a Vanguard client, but I thought this i...
by LadyGeek
Mon Jul 21, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1592

Re: Vanguard Client Dispute Resolution Dept.

The OP has contacted us with more information. There's a reluctance to post the information publicly, it's nothing more than that. Let's call this thread done.

(Thread locked.)
by LadyGeek
Mon Jul 21, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1592

Re: Tapatalk Integration

To be clear, the decision rests with the site owner, Alex Frakt. The main concern I have is with software support. We need something that has been vetted by the phpBB support community. Tapatalk is not supported by phpBB (as a mod) and a search of the tapatalk phpBB Discussion forum does not give on...
by LadyGeek
Mon Jul 21, 2014 5:07 pm
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 46
Views: 12747

Re: Need advice re hearing aid for small child

This thread is now in the Personal Consumer Issues forum (hearing aid). As a reminder, see: Forum Policy Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I'd like to suggest you start with the Medical Library Association...
by LadyGeek
Mon Jul 21, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 21
Views: 958

Re: American in need of Premier team to root for

This thread has run its course and is locked (off-topic sports). See: Consumer Forum Reopened ...We are also going to have to cut out the joke threads and sports fan threads. Discussions related to playing a sport, or, about sporting equipment are fine. The idea is to keep focused on the consumer a...
by LadyGeek
Mon Jul 21, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: American in need of Premier team to root for
Replies: 21
Views: 1025

Re: Ways to lose money and destroy personal wealth by invest

The wiki has some background info on MLP: Master Limited Parnerships

(This is a wiki editor discussion on why we decided not to write an MLP article.)
by LadyGeek
Mon Jul 21, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9160

Re: Income for my 81 Year Old Father

My Dad was always the type to buy a CD and let is accrue interest but we all know that CD's are not a viable income stream at the moment. Bottom line is that my Dad wants me to help him invest his money in order to garner $500 - $700 a month income. This is the part I'm not too comfortable with, as...
by LadyGeek
Mon Jul 21, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income for my 81 Year Old Father
Replies: 11
Views: 1440

Re: [residential] Solar Panels [in CA]?

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

FYI - Those wishing to discuss electric car costs, see: Tesla S
by LadyGeek
Sun Jul 20, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: [residential] Solar Panels [in CA]?
Replies: 22
Views: 1762

Re: Adding Treasury Inflation Protection Securities?

Further responses should be post in the OP's first thread: (TIPS) Treasury Inflation Protected Securities It's much better to keep all of the information in one spot. If you didn't get a response, just bump the thread. Due to the numerous time zone differences, please allow a day or so for replies. ...
by LadyGeek
Sun Jul 20, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding Treasury Inflation Protection Securities?
Replies: 2
Views: 528

Re: Social Security Taxes?

This thread is now in the Personal Finance (Not Investing) forum (Social Security taxes).

Also, see the wiki: Taxation of Social Security benefits
by LadyGeek
Sun Jul 20, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2261

Re: Ways to lose money and destroy personal wealth by invest

To be clear, differences of opinion are welcome. In this thread, a deep dive discussion of whole life insurance is off-topic. rca1824 - Life insurance is a highly debated topic which won't be solved here. If you wish to pursue this further, please start a new thread. First, I recommend searching th...
by LadyGeek
Sun Jul 20, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9160

Re: Income for my 81 Year Old Father

Welcome! Consider that at this point, your focus should be on capital preservation (don't lose principal) instead of taking additional risk. Your Dad's strategy is fine from that perspective. Look at it this way. For a desired income of $700 / month, that money will last: = $175,000 / $700 (per mont...
by LadyGeek
Sun Jul 20, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income for my 81 Year Old Father
Replies: 11
Views: 1440

Re: Need an interpreter for SS instruction

Result of Step 4 = $7,000.00 a. Multiply the first $816 in Step 4 by 90%. $ 734.40 = 7000 * 0.90 b. Multiply the amount in Step 4 over $816 and less than or equal to $4,917 by 32%. $ 1312.32 = (4917 - 816) * 0.32 $ 1312.32 = 4101 * 0.32 c. Multiply the amount in Step 4 over $4,917 by 15%. $ 312.45 =...
by LadyGeek
Sun Jul 20, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need an interpreter for SS instruction
Replies: 4
Views: 637

Re: Favorite Athlete

This thread has run its course and is locked (sports related thread, not personal nor actionable). See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own situation. You can also ask on behalf of someone specific, s...
by LadyGeek
Sun Jul 20, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 813

Re: Financial Adviser usage? (vs. 3-fund)

Hmm...then which is Ric Edelman? His website says Barron's named #1 Financial Advisor :? In the books when the authors says consult your accountant, tax adviser, etc...who are they referring to? Can you please list the main/broad categories of money/fiance services? Thanks. Sure. First, "Finan...
by LadyGeek
Sun Jul 20, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Investment Advisor usage? (vs. 3-fund)
Replies: 9
Views: 1167

Re: Financial Adviser usage? (vs. 3-fund)

Some notes on the use of terminology. "Financial advisor" is a vague term. You are asking about an Investment adviser , which should not be confused with a Financial planner . Typing "Financial advisor" in the wiki's search box (upper right corner) is intentionally redirected to ...
by LadyGeek
Sun Jul 20, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Investment Advisor usage? (vs. 3-fund)
Replies: 9
Views: 1167

Re: evaluating return from auto debit on mortgage

This thread is now in the Personal Finance (Not Investing) forum (refinance). I also capitalized Evaluating in the thread title.
by LadyGeek
Sun Jul 20, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Evaluating return from auto debit on mortgage
Replies: 3
Views: 725

Re: Transfer of assets to child. Tax strategy

I'm not an expert, but the wiki might provide some insight: Kiddie tax

Here's one of the references: Topic 553 - Tax on a Child's Investment Income, which links to Form 8615 (referenced by sscritic).
by LadyGeek
Sun Jul 20, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer of assets to child. Tax strategy
Replies: 19
Views: 1121

Re: Suggestions for the Wiki

Thanks for the suggestion. Take a look how the wiki is organized: Browse site (The 2nd link from the top in the left-hand menu.) We have major categories for retirement planning, then the retirement plan accounts under that (IRA, etc.). You are correct in that we have no category for "taxable a...
by LadyGeek
Sun Jul 20, 2014 10:46 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 263
Views: 97443

Re: Should non-US investors buy US-listed REITS?

The wiki might provide some insight: Taxation as a US person living abroad, check the references under "External links."
by LadyGeek
Sun Jul 20, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Should non-US investors buy US-listed REITS?
Replies: 31
Views: 1758

Re: [Learning about] Economics 101

Upon further review, this thread is now in the Investing - Theory, News & General forum. I missed this observation: I am very interested in learning about economics and they affect our economy, but I don't know where to start. The things that interest me are Real Estate, inflation, interest rate...
by LadyGeek
Sun Jul 20, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: [Learning about] Economics 101
Replies: 37
Views: 2568

Re: Jumping on the IPS bandwagon, Critique please

Maintain allocation of U.S. Stock at 80% S&P 500 index/20% Extended Market when TSM fund isn't available Why wouldn't the TSM fund not be available? I think you have an underlying situation here (employer retirement plan?). Consider that an Extended market index fund might also not be available...
by LadyGeek
Sun Jul 20, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Jumping on the IPS bandwagon, Critique please
Replies: 8
Views: 875

Re: Jumping on the IPS bandwagon, Critique please

First, some background: Investment policy statement

What is your objective, meaning when do you need the money? That's a key driver which determines how you invest. For example, saving for a home in 5 years would be handled differently than saving for retirement.
by LadyGeek
Sat Jul 19, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jumping on the IPS bandwagon, Critique please
Replies: 8
Views: 875

Re: [Learning about] Economics 101

This thread is now in the Personal Consumer Issues (learning, it didn't quite fit anywhere else).

A highly recommended video: How The Economic Machine Works by Ray Dalio - It's puts everything in clear, easy-to-understand concepts. OK for kids through adult.
by LadyGeek
Sat Jul 19, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: [Learning about] Economics 101
Replies: 37
Views: 2568

Re: Roth IRA income limit question

We maintain a "family friendly" environment, things you can say in front of the little ones. Please be sensitive to certain comments, especially religious references. Additionally, see: Forum Policy ...If you feel that someone has attacked you or otherwise violated the policies of this fo...
by LadyGeek
Sat Jul 19, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income limit question
Replies: 24
Views: 1057

Re: Pull-ups and Push-ups

I recently listened to an NPR (National Public Radio) broadcast of "The Pulse," a tech-oriented show produced locally in Philadelphia. The host was interviewing Dr. Ellington Darden, the guy who literally wrote the book on Nautilus. I once owned "The Nautilus Woman," but don't ha...
by LadyGeek
Sat Jul 19, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39472

Re: Options/guidance for a lazy person to be fit

In reference to the comments on page 1, medical advice (which includes diet health claims) is off-topic. See: Forum Policy Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I'd like to suggest you start with the Medical L...
by LadyGeek
Sat Jul 19, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5184

Re: Hospital bill negotiation

Please stay on-topic, which is negotiating a hospital bill.
by LadyGeek
Sat Jul 19, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4077

Re: Boglehead Beer

I've got 2 types in my freezer right now - Black & Tan and Espresso . Both are excellent quality - at the level Ben & Jerry's used to be before they sold out. Where do you buy it? In grocery stores (in PA, of course.) I wonder if I can find some as far away as Coudersport or Wellsboro. (The...
by LadyGeek
Sat Jul 19, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46837

Re: USPS Shipping Problem Again

This thread has run its course and is locked (general rant) . See: Forum Policy ...General comments or complaints about these topics will be removed. Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversia...
by LadyGeek
Sat Jul 19, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 858

Re: Boglehead Beer

For those who like Yuengling Lager and live in Pennsylvania, have you ever had Yuengling ice cream? Great timing. I've got 2 types in my freezer right now - Black & Tan and Espresso . Both are excellent quality - at the level Ben & Jerry's used to be before they sold out. I highly recommend...
by LadyGeek
Sat Jul 19, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46837

Re: What Book Are You Currently Reading? Part V

The Moon is a Harsh Mistress , by Robert A. Heinlein. I finally got to the book that everyone says is his best. My initial impression was that it was a bit of light reading. After a while, it got interesting. Now, I can't put it down. The spoken dialect is brilliant. Valuethinker - I'm using your p...
by LadyGeek
Sat Jul 19, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3101
Views: 997137

Re: Friday blog review July 18, 2014

With regard to ObliviousInvestor's tutorial What is a Qualifying Longevity Annuity Contract (QLAC)?, we have an on-going forum thread discussion: Longevity Insurance now allowed in IRA/401k/etc.
by LadyGeek
Fri Jul 18, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Friday blog review July 18, 2014
Replies: 1
Views: 422

Re: operating cost of this forum

I'll let the site owners comment on the operating costs.

The moderators and site admins are 100% volunteers. There is no paid staff, nor do we accept advertising (or permit commercial solicitations in forum posts).
by LadyGeek
Fri Jul 18, 2014 11:13 pm
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 1
Views: 659

Re: Blog:Vanguard index fund security lending in 2013

Small typo in the blog post: In the second paragraph, it should be "principal parties". Thanks, I took care of it. (I'm a blog administrator.) ============================ A slight digression for new investors - There's an important concept of securities lending you should be aware of. Ta...
by LadyGeek
Fri Jul 18, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard index fund security lending in 2013
Replies: 16
Views: 1505
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