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Re: Instructional account for children

This thread is now in the Personal Finance (Not Investing) forum (investing tutorial). The OP asked about investing. Based on prior experience, suggestions on how to deal with allowances, handle a savings accounts, and how to "budget" for wanted items will soon be supplied... For example: ...
by LadyGeek
Tue Mar 03, 2015 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Instructional account for children
Replies: 2
Views: 172

Re: Dividends and Market Slides

In reference to some earlier comments, 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. Respect your debating opponents. Debates are about issues, not people. If you disagree with ...
by LadyGeek
Tue Mar 03, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends and Market Slides
Replies: 53
Views: 2853

Re: Tourists in Manhattan

This thread is now in the Personal Consumer Issues forum (travel).
by LadyGeek
Tue Mar 03, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 31
Views: 1901

Re: Mr. Money Mustache: Hero or Foolish?

cbr shadow wrote:Definition: Hero
noun
1.
a person, typically a man, who is admired for their courage, outstanding achievements, or noble qualities.

FYI - "Heroine" describes a woman who is admired for great or brave acts or fine qualities.
by LadyGeek
Tue Mar 03, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 426
Views: 64073

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Upon further review, a number of snarky comments and responses were removed. 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. This thread is now unlocked to continue...
by LadyGeek
Tue Mar 03, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 48
Views: 7938

Re: Help- I keep investing my emergency fund in the stock ma

Foodstamp - Is this a follow-up to your earlier 2013 thread where you requested help on how to prioritize your investments vs. an emergency fund? Re: Starting over at 40 - advice?

You need to stop investing and build your emergency fund. Then, get back on track.
by LadyGeek
Tue Mar 03, 2015 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help- I keep investing my emergency fund in the stock market
Replies: 18
Views: 2208

Re: Article: Voya Corporate Leaders Trust Fund

I merged FredL's thread into here, which is in the Investing - Theory, News & General forum.

FredL's link in human readable format: A fund that hasn't bought any new stocks in 80 years is beating 98% of its competitors, which is about the Voya Corporate Leaders Trust Fund.
by LadyGeek
Tue Mar 03, 2015 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Article: Voya Corporate Leaders Trust Fund
Replies: 13
Views: 636

Re: What's your average ER? [Expense Ratio]

For new investors, 100 basis points is equal to 1%. See: Basis point

0.01 (decimal) = 1 % (percent) = 100 bp (basis points)

Basis points are used when working small numbers like expense ratios or bond yields, for example.
by LadyGeek
Mon Mar 02, 2015 11:39 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 99
Views: 4359

Re: I need some comments on my portfolios

Hi looking, I moved your thread here because you are changing your mind (or perhaps are not sure of what you want to do). We need to see your original information to figure this out. Let's summarize it here: I’m 75 years ,retired, me and wife income just $ 3500 per months from ssc and time horizon i...
by LadyGeek
Mon Mar 02, 2015 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need some comments on my portfolios
Replies: 9
Views: 1016

Re: [Vanguard] active funds are beating the passive index fu

Thanks. Here's the link in human readable format: 5 things you don’t know about Vanguard This is the key point: What’s Vanguard’s secret to success? It includes making sure its active funds are low-cost, as well as outsourcing the stock-picking to fund managers who go through an extensive screening ...
by LadyGeek
Mon Mar 02, 2015 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: [Vanguard] active funds are beating the passive index funds
Replies: 13
Views: 2720

Re: Market Beating Recipe

This thread has run its course and is locked (not productive, no added value to continue). See: Forum Policy Locked Topics Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt vi...
by LadyGeek
Mon Mar 02, 2015 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 1775

Re: Supreme Court to hear fiduciary duty/high cost funds cas

I removed a number of "call to action" political comments proposing changes to the Thrift Savings Plan, along with fiduciary standard changes.

Please stay factual and on-topic, which is about the Supreme Court hearing.
by LadyGeek
Mon Mar 02, 2015 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 39
Views: 5662

Re: Seeking carbon efficient S&P fund

I removed some off-topic comments. Socially responsibility investing is a very emotional topic. Please stay focused on the investments and remain factual.

We have a similar thread, see: Just no petroleum or defense?
by LadyGeek
Mon Mar 02, 2015 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking carbon efficient S&P fund
Replies: 14
Views: 914

Re: Poll: Average E/R [Expense Ratio]

This thread is now in the Investing - Theory, News & General forum (general investing). I also retitled the thread. baw703916 started this thread to supplement Seattlenative's thread: What's your average ER? [Expense Ratio] It makes sense to merge the threads, but doing so will reset the poll (o...
by LadyGeek
Mon Mar 02, 2015 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Average E/R [Expense Ratio]
Replies: 22
Views: 1063

Re: What's your average ER? [Expense Ratio]

This thread is now in the Investing - Theory, News & General forum (general investing). I also retitled the thread. baw703916 has started a poll: Poll: Average E/R [Expense Ratio] It makes sense to merge the threads, but doing so will reset the poll (or remove it). I'll leave the threads separate.
by LadyGeek
Mon Mar 02, 2015 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 99
Views: 4359

Re: Contacted by Internal Revenue Services [Scam]

This thread is now in the Personal Consumer Issues forum (scam). I also retitled the thread. Due to the large number of discussions, scam attempts are now off-topic. Standard Phishing/Scam Threads are now Off-Topic This thread is now locked. Also see: A Special Message From Social Security (locked)
by LadyGeek
Mon Mar 02, 2015 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Contacted by Internal Revenue Services [Scam]
Replies: 18
Views: 1264

Re: Does my work vehicle allowance count as taxable income?

I removed an off-topic comment and follow-up replies. 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... Attacks on individuals, insults, name calling, trolling, bai...
by LadyGeek
Mon Mar 02, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does my work vehicle allowance count as taxable income?
Replies: 12
Views: 1116

Re: Roth IRA "loan"

Discussions of dishonest behavior or bypassing the law is totally unacceptable. This thread has run its course and is locked.
by LadyGeek
Mon Mar 02, 2015 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA "loan"
Replies: 7
Views: 741

Re: Help- I keep investing my emergency fund in the stock ma

foodstamp - let's take a step back. I don't think you're ready to invest, first things first. Take a look in the wiki: Financial planning You need to follow the steps under "Implement the plan". Don't even think about investing until you've built an Emergency fund . Do you have a Household...
by LadyGeek
Mon Mar 02, 2015 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help- I keep investing my emergency fund in the stock market
Replies: 18
Views: 2208

Re: Car Repair [Maintenance vs. repair costs]

...Major Maintenance services often entail a lot of expensive shop time, the parts usually cost less than the labor time. How can we reduce or at least limit the hourly shop time expense while obtaining satisfactory maintenance work on Major Maintenance? The "parts cost less than labor" p...
by LadyGeek
Mon Mar 02, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Car Repair [Maintenance vs. repair costs]
Replies: 12
Views: 1380

Re: Congratulations to Emergency Doc [Scholarship fund start

FYI - I retitled the thread. For those unfamiliar with EmergDoc, see the wiki: Jim Dahle
by LadyGeek
Mon Mar 02, 2015 9:40 am
 
Forum: Personal Consumer Issues
Topic: Congratulations to EmergDoc [Scholarship fund started]
Replies: 7
Views: 2199

Re: How to Invest in Gold

^^^ Thank you. As a reminder, "Armageddon" and conspiracy theories are off-topic. Past experience has shown these topics will soon devolve into contentious disagreements and is the reason for the first line in Forum Policy UNACCEPTABLE TOPICS Non-actionable (Trolling) Topics If readers can...
by LadyGeek
Sun Mar 01, 2015 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 68
Views: 3866

Re: Car Repair [Maintenance vs. repair costs]

This thread is now in the Personal Consumer Issues forum (car costs). I also retitled the thread. I think you are looking at 2 separate issues- First, normal maintenance costs which must be done at the specified intervals. Those costs are known in advance, so you can predict what's needed. Second, r...
by LadyGeek
Sun Mar 01, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Car Repair [Maintenance vs. repair costs]
Replies: 12
Views: 1380

Re: ERs cut on VT, VNQI and several others

This thread is now in the Investing - Theory, News & General forum (investing news).

Here's the link in human readable format: Fund expense ratio changes reported in February 2015 (February 26, 2015)
by LadyGeek
Sun Mar 01, 2015 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: ERs cut on VT, VNQI and several others
Replies: 3
Views: 755

Re: [Vanguard] active funds are beating the passive index fu

This thread is now in the Investing - Theory, News & General forum (active vs. passive). I also retitled the thread.

Looking - Please provide a link to the article, I can't find it.
by LadyGeek
Sun Mar 01, 2015 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: [Vanguard] active funds are beating the passive index funds
Replies: 13
Views: 2720

Re: How to find a spouse who wants financial independence

Upon further review, I removed several off-topic posts. This thread is now unlocked.

Any further off-topic comments will result in the thread being permanently relocked.
by LadyGeek
Sun Mar 01, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 49
Views: 7485

Re: a good movie to see [Assault On Wall Street]

This thread is now in the Personal Consumer Issues forum (movie).
by LadyGeek
Sun Mar 01, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: a good movie to see [Assault On Wall Street]
Replies: 2
Views: 469

Re: Vanguard Managed Payout to add new fund

I asked about the Cayman Islands because it threw me for a loop. From the follow-up posts, it sounds like Vanguard is trying to be competitive in this corner of the market; which are customers defined as high net-worth individuals or institutional investors. Key to their planned approach is that the...
by LadyGeek
Sun Mar 01, 2015 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 25
Views: 1765

Re: Buying a used motorcycle, borrow to avoid scam

You're over-thinking here. Consider that the bank is a commercial institution that deals with many kinds of titles on a daily basis. I'm guessing they use a 3rd party service to check the title and probably have insurance to protect themselves if anything goes awry. The by-far hands-down best pr...
by LadyGeek
Sun Mar 01, 2015 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a used motorcycle, borrow to avoid scam
Replies: 22
Views: 1003

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

For any first timers considering to go, DO IT! I was a first timer in 2014 and had a blast. Between meeting Jack, the various discussions, the panel Q&A, and meeting our fellow Bogleheads, it was a wonderful experience. Sadly, I have a wedding on Saturday, October 17th as well as preparation ac...
by LadyGeek
Sun Mar 01, 2015 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 26
Views: 2968

Re: Vanguard Managed Payout to add new fund

is there anything unusual about investing in funds domiciled in the Cayman Islands? Page B-22 of the Prospectus states: The Alternative Strategies Fund may invest in a wholly owned subsidiary organized under the laws of the Cayman Islands. The Fund is the sole beneficial owner of the subsidiary and ...
by LadyGeek
Sun Mar 01, 2015 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 25
Views: 1765

Re: How to find a spouse who wants financial independence

I received a PM to review the reasons for locking the thread. It is not about investing, but how the right/wrong spouse can make/break your financial future.

Moderator review in process.
by LadyGeek
Sun Mar 01, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 49
Views: 7485

Re: Buying a used motorcycle, borrow to avoid scam

I suggest you research the process on the transfer of title, which is what happens when you purchase a motor vehicle.

Google "how to check if motorcycle title is clean". The magic happens at the DMV (or Notary tag place) where the title transfer is certified.
by LadyGeek
Sun Mar 01, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a used motorcycle, borrow to avoid scam
Replies: 22
Views: 1003

Re: How to find a spouse who wants financial independence

Let's go with this one. 🔒

This thread has run its course and is locked. It's gone off-topic (no longer focused on investing); there's no added value to continue.

Update: See below.
by LadyGeek
Sun Mar 01, 2015 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 49
Views: 7485

Re: Gift Ideas for Business Collaborators?

Why not buy them a gift card from Amazon.ca (Amazon in Canada)?

You'll have to purchase them directly, as cards purchased at amazon.com are not redeemable in Canada. Amazon.com Gift Card Terms and Conditions
by LadyGeek
Sun Mar 01, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for Business Collaborators?
Replies: 1
Views: 136

Re: I need some comments on my portfolios

^^^ looking - I moved your post into your original thread. It's important to see what you're doing, as not seeing the "big picture" (what you currently have) may cause us to steer you in the wrong direction. We can answer your question here. By seeing what you already have now, we'll be ab...
by LadyGeek
Sun Mar 01, 2015 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need some comments on my portfolios
Replies: 9
Views: 1016

Re: Major issues with new HSABank.com website

This thread is now in the Personal Finance (Not Investing) forum (bank problems).
by LadyGeek
Sun Mar 01, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 25
Views: 2198

Re: I survived my initial performance improvement mtg. Now w

Mill - Pay attention to what FabLab is saying. I'm in full agreement.
by LadyGeek
Sun Mar 01, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4282

Re: How long will I l live? (mortality predictor)

This thread is now in the Personal Finance (Not Investing) forum (mortality prediction tool).
by LadyGeek
Sun Mar 01, 2015 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 17
Views: 2015

Re: You and Your Dumb Money

Here's another perspective from William Bernstein : Factor Rotation - it's probably older than pkcrafter's articles, but still holds true. I believe the intent is yet another way to show why market timing is not the best course of action. IOW, "stay the course" and ignore the noise. I do 2...
by LadyGeek
Sun Mar 01, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: You and Your Dumb Money
Replies: 17
Views: 3189

Re: where to go shop and buy refrigerator

This thread is now in the Personal Consumer Issues forum (refrigerator).
by LadyGeek
Sun Mar 01, 2015 11:43 am
 
Forum: Personal Consumer Issues
Topic: where to go shop and buy refrigerator
Replies: 10
Views: 503

Re: What Movie Have You Recently Watched?

To be clear, Robert Redford is a very good actor. My reference to him in Captain America was for the visual impact. I still remember him from The Natural. Perhaps it's because I love baseball and remember the movie very well.
by LadyGeek
Sun Mar 01, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70513

Re: Turbotax 2014: Buyer Beware

Let's keep the disagreements factual.
by LadyGeek
Sun Mar 01, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 59
Views: 5716

Re: Turbotax 2014: Buyer Beware

Thinking that Intuit might be using common software among their products, I checked Quicken's PDF printer. Quicken uses a 3rd party package: Amyuni PDF Converter, licensed to Intuit. Used TaxAct 2014 Deluxe Fed & State CD. Good product and cost less than TT. Will be using TaxAct again in 2015......
by LadyGeek
Sun Mar 01, 2015 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 59
Views: 5716

Re: What Movie Have You Recently Watched?

Captain America, the Winter Soldier. I liked it. Action? Check. Lots of car chases and crashes? Check. Special effects? Check. Choreographed fight scenes? Double check. Decent plot? Check. Stan Lee cameo? Check. Samuel L. Jackson? Check. Robert Redford? It's been a while since I last saw him. :shoc...
by LadyGeek
Sun Mar 01, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70513

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Count me in.

Daryl - It's in the Philadelphia area, the location won't be more specific than that.
by LadyGeek
Sat Feb 28, 2015 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 26
Views: 2968

Re: Thank you!

This thread is now in the Local Chapters and Bogleheads Community forum (Bogleheads).
by LadyGeek
Sat Feb 28, 2015 8:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you!
Replies: 5
Views: 667

Re: How to Invest in Gold

Please stay on-topic, which is how to invest in gold. General discussion of history, buying power, effects on the economy, etc. are off-topic.
by LadyGeek
Sat Feb 28, 2015 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 68
Views: 3866

Re: do we have bogleheads meeting in northern ,california

This thread is now in the Local Chapters and Bogleheads Community forum (chapter meetings).

I also fixed the spelling in your thread title.
by LadyGeek
Sat Feb 28, 2015 7:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Do we have Bogleheads meeting in northern California?
Replies: 3
Views: 340

Re: Past, present, and future of Berkshire - Annual letter

FYI - I merged Taylor Larimore's thread into here. The forum software orders posts by time; Robert T posted the earliest.
by LadyGeek
Sat Feb 28, 2015 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Past, present, and future of Berkshire - Annual letter
Replies: 29
Views: 2377
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