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Re: Blog:Friday blog review, August 29, 2014

We have on-going discussions: Larry Swedroe's post is here: Poor Janus, a look at this once high flying fund family Rick Ferri's post is here: I'd buy an S&P 500 index fund in a pinch =========== Note that the wiki has live RSS feeds of the Bogleheads author blogs: News and blogs The link is nea...
by LadyGeek
Fri Aug 29, 2014 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Friday blog review, August 29, 2014
Replies: 1
Views: 215

Re: Variable Percentage Withdrawal (VPW)

Google has decided to "improve" the spreadsheet viewer experience, meaning that they broke the wiki's download instructions. :annoyed Thanks to someone kind enough to fill out our wiki feedback form to report the problem,* I revised the download procedure. See: Variable percentage withdraw...
by LadyGeek
Fri Aug 29, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 462
Views: 51736

Re: Only need $315k non-retirement $ to retire at Age 43?

I removed an off-topic response and a reply. 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
Fri Aug 29, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 4885

Re: Probability question

To remain actionable (and on-topic), remain focused on helping with the math. Sports discussions are off-topic.
by LadyGeek
Fri Aug 29, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 7
Views: 505

Re: 3MM Casino Jackpot

This thread has run its course and is locked (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, such as a family member....
by LadyGeek
Fri Aug 29, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3MM Casino Jackpot
Replies: 10
Views: 1509

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

Before this escalates any further, please 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
Fri Aug 29, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 95
Views: 6303

Re: My husband's " WILL", $ left for me to live on....

I removed a series of posts which suggested a non-financial way to approach the problem (adult relationship topic).

Please stay on-topic, which are the financial aspects.
by LadyGeek
Fri Aug 29, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 227
Views: 12345

Re: roomba?

A Roomba vacuum cleaner I don't need.

If anyone wants to give a gift that an engineer really loves, check this out: iRobot: Support For Developers 8-)
by LadyGeek
Fri Aug 29, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: roomba?
Replies: 13
Views: 1154

Re: Variable Percentage Withdrawal (VPW)

FYI - Ken. is comparing VPW vs. Firecalc, he has a question: Variable Percentage Withdrawal Spreadsheet vs Firecalc.com
by LadyGeek
Fri Aug 29, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 462
Views: 51736

Re: Wiki revised - Employer Retirement Plan Overview

mah001, thank you! I have incorporated your comments, please review: Employer retirement plans overview

You are also welcome to comment on any of the referenced articles.
by LadyGeek
Fri Aug 29, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wiki revised - Employer Retirement Plan Overview
Replies: 5
Views: 491

Re: Can someone make a living as a Boglehead financial advis

FYI - bschultheis is Bill Schultheis.

Also, be sure to note the difference between an Investment adviser and Financial planner.

"Financial advisor" is used interchangeably here, which can refer to either.
by LadyGeek
Fri Aug 29, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Can someone make a living as a Boglehead financial advisor?
Replies: 24
Views: 3114

Re: Wiki revised - Employer Retirement Plan Overview

I agree, the difficulty lies in the terminology. As someone with no experience with either a 457(b) or 403(b) plan, I rely on the IRS and other "credible" sources for my information (the IRS makes the definitions, all other sources are interpretations). I think obscuring the meaning to be ...
by LadyGeek
Thu Aug 28, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wiki revised - Employer Retirement Plan Overview
Replies: 5
Views: 491

Re: Gas station etiquette

Three time's the charm. This thread has run its course and is locked (pointless). See: Forum Policy Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless, divisive or mean-spirited...
by LadyGeek
Thu Aug 28, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2762

Re: Trying to understand the 1040 Tax Table

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

Here's more info: Marginal tax rate
by LadyGeek
Thu Aug 28, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2133

Re: roomba?

I splurged on the overpriced 800 series for Christmas. Two weeks later, I returned it. Why? There was no problem that it picked up the dirt, the vacuum part was fine. It was also fun to watch. However... - You needed to be careful about going over wires. I've got a high def theater layout with speak...
by LadyGeek
Thu Aug 28, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: roomba?
Replies: 13
Views: 1154

Re: How long can a 1995 Chevrolet Beretta last?

This thread is now in the Personal Consumer Issues forum (car).
by LadyGeek
Thu Aug 28, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 759

Wiki revised - Employer Retirement Plan Overview

Thanks to an IRS website being discontinued, we have overhauled the wiki to utilize the Department of Labor's small business retirement solution guide. See: Employer retirement plans overview The update presents a clear road map of the many plans available. Content from the previous wiki article has...
by LadyGeek
Thu Aug 28, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wiki revised - Employer Retirement Plan Overview
Replies: 5
Views: 491

Re: Kaiser vs Blue Shield

This thread is now in the Personal Finance (Not Investing) forum (insurance). Please stay on-topic, which is: I am changing my job next month and the new employer has option of choosing between Kaiser and BS CA. Can anyone share their experiences with those two and help me choose the right one? FWIW...
by LadyGeek
Thu Aug 28, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5005

Re: Kaiser vs Blue Shield

As a reminder, medical advice 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 Library Association's User's Guide to Finding and Evaluating ...
by LadyGeek
Thu Aug 28, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5005

Re: Chicken or Fish

This thread has run its course and is locked (hypothetical, not productive). See: Forum Policy Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless, divisive or mean-spirited post...
by LadyGeek
Thu Aug 28, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Chicken or Fish
Replies: 10
Views: 710

Re: The Three Fund Portfolio

* Automatic rebalancing within each fund. This is one of the benefits that Taylor sites for the 3 Fund Portfolio. If I use the 3 Fund Portfolio, wouldn't I simply rebalance between those three funds?. How could rebalancing "within each fund" have anything to do with my own yearly rebalanc...
by LadyGeek
Thu Aug 28, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 873
Views: 341039

Re: Zegna Suits

I removed 16 off-topic comments. This thread has run its course and is locked (no added value to continue). See: Forum Policy ...Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. Locked Topics Moderators or site admins may l...
by LadyGeek
Thu Aug 28, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 8678

Re: Sick Building Syndrome (Electrical Pollution)

This thread has run its course and is locked. The OP is seeking advice for a medical condition, regardless of the source. 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 ...
by LadyGeek
Thu Aug 28, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1353

Re: When can you afford a $200K depreciating asset?

This thread has run its course and is locked (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, such as a family member....
by LadyGeek
Wed Aug 27, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: When can you afford a $200K depreciating asset?
Replies: 11
Views: 1137

Re: .com rather than .gov, lesson learned

This thread is now in the Personal Consumer Issues forum (website security).
by LadyGeek
Wed Aug 27, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2419

Re: There should be a podcast to summarize the forums

This thread is now in the Forum Issues and Administration forum (Boglheads podcast). A podcast would be an enormous undertaking, but it might be a good topic for the Blog . I don't think we have time for it, either. If you want to see the most popular threads, the existing forum software can do this...
by LadyGeek
Wed Aug 27, 2014 5:07 pm
 
Forum: Forum Issues and Administration
Topic: There should be a podcast to summarize the forums
Replies: 1
Views: 222

Re: Establishing "Small Business" and Cheating IRS?

Discussions of dishonest behavior or bypassing the law are totally unacceptable. This thread will remain locked (tax evasion).
by LadyGeek
Wed Aug 27, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1108

Re: Savers vs. Spenders: Default Mode

This thread has run its course and is locked (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, such as a family member....
by LadyGeek
Wed Aug 27, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2169

Re: Husband rear-ended, driver ignoring his insurance

Similar to a free credit report, you can get a free insurance claims report. After the dust settles, take a look how the accident appears on your record. See the wiki: CLUE database C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database created by ChoicePoint that enables i...
by LadyGeek
Wed Aug 27, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 39
Views: 3699

Re: What Book Are You Currently Reading? Part V

Without giving away too much of the plot, the central character is an engineer who invents a household robot. The book title comes from his cat, Petronius, who on winter days insists on checking every exit door in the house in case there is one into summer. Since LG is an engineer, and knowing her ...
by LadyGeek
Wed Aug 27, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3259
Views: 1109632

Re: I need "Ultra High Net Worth" investing advice please

seeshells wrote:PM'd 2 days ago. The upper L hand side over "High Net".Thanks!

Translation: seeshells sent you a PM. Click the link at the top left corner, which may look like this: (1 new messages)
by LadyGeek
Wed Aug 27, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15240

Re: 100% stock AA-> At what age to add bonds?

There's a subtle point here. Leerar is talking about the savings rate , longinvest is looking at the end game. The single most influential effect on your retirement savings is the rate , meaning save as early and often as you can. Where that money goes (stock, bond, etc.) is secondary. (I would add ...
by LadyGeek
Tue Aug 26, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3662

Re: Moving to Eastern PA - need advice

You can also look across the Delaware River - South Jersey. It's a straight shot to the airport over the Walt Whitman bridge. Some local insight: DE - does not have a sales tax NJ - You can't pump your own gas, an attendant has to do it for you. :annoyed Gas prices are generally lower than PA. PA - ...
by LadyGeek
Tue Aug 26, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1889

Re: Moving to Eastern PA - need advice

OP - Do you need to be within 1 hour of the PHL airport due to work travel? Or, are you working in the area and using the airport as a central point of reference? If you need to go into Center City (downtown Philly), consider taking the train. See: SEPTA | Clickable Regional Rail & Rail Transit ...
by LadyGeek
Tue Aug 26, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1889

Re: Catastrophe Brewing - Longevity

I believe this is the same article, but no subscription is needed: Welcome to the World of ‘Pension Smoothing’

FYI - The bill is signed into law. Please avoid discussing the political aspects (off-topic).
by LadyGeek
Tue Aug 26, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2474

Re: 87 Year Old Grandmother Has $600,000 In the Bank

I removed an off-topic post. 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, baiting or other attempts to...
by LadyGeek
Mon Aug 25, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5459

Re: Vanguard sued for charging too little

Report the duplicate threads by clicking on the "!" in the top right corner of the post. One of the reasons is "Duplicate thread." I'll merge them into here, it's not much work at all.

I think the title is OK (and very creative). This thread does not need to be a sticky.
by LadyGeek
Mon Aug 25, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21094

Re: Auto accident today

Looking over the auto policy. $500 deductible. Looks like we get "Accident Forgiveness" on the first at-fault accident every 3 years. Well I guess this will help calm my nerves. Is there a time limit on reporting the accident to the insurance company? I still would like to handle it out-o...
by LadyGeek
Mon Aug 25, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Auto accident today
Replies: 33
Views: 2551

Re: Help Collecting Useful Threads for A New Boglehead

I recommend organizing Post #1 to hold everything. Perhaps a "top 10" forum threads in a suggested reading order. Then, a book list. (This is just a suggestion.) ... and I would also recommend Bill Bernstein's new e-book, If You Can: How Millennials Can Get Rich Slowly ." Here's the l...
by LadyGeek
Mon Aug 25, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Collecting Useful Threads for A New Boglehead
Replies: 13
Views: 663

Re: I need "Ultra High Net Worth" investing advice please

Although it was mentioned before, I recommend you perform due diligence on your prospective advisors. If you are meeting them in person, there's nothing like having a fresh printout of their qualifications on the table in front of them. "According to your record, I see that you are licensed to ...
by LadyGeek
Mon Aug 25, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15240

Re: Help Collecting Useful Threads for A New Boglehead

This thread is now in the Investing - Help with Personal Investments forum (help for new investors).

For an easy way to turn those links into something other than geeks can read, see: Subject: Linking wiki articles into forum posts
by LadyGeek
Mon Aug 25, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Collecting Useful Threads for A New Boglehead
Replies: 13
Views: 663

Re: Best nose hair trimmer (is this okay to ask?)

Based on the last few responses, this thread has run its course and is locked (no added value to continue). See: Forum Policy ...Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. Locked Topics Moderators or site admins may l...
by LadyGeek
Mon Aug 25, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2642

Re: YNAB Questions

[Note: I put my referral code in my profile if anyone needs it. If this is not allowed, let me know and I will remove it.] It's not allowed, I removed it for you. As a reminder, see: Forum Policy No Solicitation or Link Farming Please do not solicit business or website traffic on this forum. A disc...
by LadyGeek
Mon Aug 25, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: YNAB Questions
Replies: 10
Views: 1540

Re: Great MarketWatch Article - 13 financial tips to live by

FYI - I merged LeeMKE's thread into here, which is in the Personal Finance (Not Investing) forum.
by LadyGeek
Mon Aug 25, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Great MarketWatch Article - 13 financial tips to live by
Replies: 13
Views: 1906

Re: What Book Are You Currently Reading? Part V

...Lady Geek has read The Star Beast -- and liked it. I agree it is probably his best juvenile (although consensus seems to favour 'Have Spacesuit will Travel' ). The Rolling Stones I thought was quite amusing, and a 'sequel' to The Moon is a Harsh Mistress (in that they share a character). Sorry, ...
by LadyGeek
Mon Aug 25, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3259
Views: 1109632

Re: I need "Ultra High Net Worth" investing advice please

There is a concept called "separate accounts" where a firm like Vanguard will manage that kind of individual stock portfolio for you, taking care of the housekeeping tasks of dealing with reinvesting dividends, etc. http://www.vanguard.com/pdf/flgsma.pdf?2210022521 That publication is fro...
by LadyGeek
Sun Aug 24, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15240
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