Search found 13509 matches

by LadyGeek
Thu Jul 30, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: US Labor Productivity
Replies: 7
Views: 403

Re: US Labor Productivity

Thread locked for moderator review.
by LadyGeek
Thu Jul 30, 2015 10:09 pm
Forum: Forum Issues and Administration
Topic: bogleheadism == Vanguard?
Replies: 8
Views: 345

Re: bogleheadism == Vanguard?

We follow the philosophy of Jack Bogle, it's in the tag line at the top of the forum header. Although Jack Bogle founded Vanguard, we do not follow the company. However, Vanguard has very low cost funds and there is a strong tie to Jack Bogle. As for the wiki, the content is the result of the member...
by LadyGeek
Thu Jul 30, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 3670

Re: Is your home owner insurance going up 27% this year?

Buried in Longtime Insurance Customers Get Ripped [overcharged], you'll find values for home construction costs. It's based on the house square footage.

My local insurance agent used a value of $150 / ft^2 (square foot), then added 25% for material overhead and inflation.
by LadyGeek
Wed Jul 29, 2015 8:47 pm
Forum: Investing - Theory, News & General
Topic: How has the 4% rule held up since the tech bubble and the 2008 crisis
Replies: 20
Views: 2180

Re: How has the 4% rule held up since the tech bubble and the 2008 crisis

FYI - I merged lckamp's thread into here, which is the same article. The software sorts by time, cottonseed1 was first.
by LadyGeek
Wed Jul 29, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: when the rubber hits the road [updated]
Replies: 33
Views: 2707

Re: when the rubber hits the road [updated]

I removed some recent medical news that came out of the recent Alzheimer's conference. As noted earlier, please do not discuss any medical issues.
by LadyGeek
Wed Jul 29, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: when the rubber hits the road [updated]
Replies: 33
Views: 2707

Re: when the rubber hits the road [updated]

therealityhits - I merged your update back into the original thread, as it's important that everyone see this in its full context. I also retitled the thread.

I'm familiar with dementia, and admire your fortitude to post here.
by LadyGeek
Wed Jul 29, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 3670

Re: Is your home owner insurance going up 27% this year?

Mine went up 20%, then I found this thread: Longtime Insurance Customers Get Ripped [overcharged]

I changed insurance companies and now have a 44% decrease.
by LadyGeek
Wed Jul 29, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 30
Views: 1684

Re: Recommendations on a cheap commuter car

This thread is now in the Personal Consumer Issues forum (car).
by LadyGeek
Wed Jul 29, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 16
Views: 1600

Re: CFA Exam Results

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

Congrats!

The wiki has some background info: Financial planner

We've recently added a background checks section for planners holding CFA charterholder and / or CFP® certifications.
by LadyGeek
Wed Jul 29, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Am I just getting old?
Replies: 19
Views: 2238

Re: Am I just getting old?

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
Wed Jul 29, 2015 3:38 pm
Forum: Investing - Theory, News & General
Topic: Index Funds May Work a Little Too Well
Replies: 19
Views: 3616

Re: Index Funds May Work a Little Too Well

FYI - I merged TIAX's thread into the here, which discusses the same article and the same professor.
by LadyGeek
Tue Jul 28, 2015 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's insurance - Parents' names or student's name?
Replies: 7
Views: 524

Re: Renter's insurance - Parents' names or student's name?

This thread is now in the Personal Finance (Not Investing) forum (insurance). Read your policy. The definition of "Insured" on my Mom's tenant policy is very specific. "INSURED" means you and the following if residents of your household at the residence premises: - your relatives...
by LadyGeek
Tue Jul 28, 2015 10:10 pm
Forum: Investing - Theory, News & General
Topic: Fed Tips Its Hand!
Replies: 14
Views: 2674

Re: Fed Tips Its Hand!

I fixed the thread title.

From: "Fed Tips It's Hand! - "It's" a contraction for "It is"
To: "Fed Tips Its Hand!" - "Its" possessive case.
by LadyGeek
Tue Jul 28, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Donate $300,000 in traditional IRA to charity
Replies: 22
Views: 1908

Re: Donate $300,000 in traditional IRA to charity

trad_ira_donate, Welcome!

To clarify Alan S.'s comments, here's the IRS info: Charitable Donations from IRAs

For new investors (or anyone needing a refresh), the wiki has some background info: Donor advised fund
by LadyGeek
Tue Jul 28, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over mailing logistics?
Replies: 6
Views: 294

Re: Roll over mailing logistics?

Yes, that was quite an emotional roller coaster. We knew that the funds where there, but the wait was excruciating. That was the initial kick to start looking outside Ameriprise and then I found this forum. However, that's another story. The difference here is that the OP is working with a company c...
by LadyGeek
Tue Jul 28, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 51
Views: 6654

Re: Lecture me about "too much house"

Locked. The OP has deleted the post content in this thread.

kjvmike - Please PM me if you wish to explain why, or if there's a problem I can help you with.
by LadyGeek
Tue Jul 28, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over mailing logistics?
Replies: 6
Views: 294

Re: Roll over mailing logistics?

... If the check is lost, your HR will be more than happy to stop pay reissue it for you, usually after 10 days have passed to allow for mailing timing. Since the check is a direct rollover, it is made payable to the institution for your benefit, there is no risk of it becoming payable to you. Occa...
by LadyGeek
Tue Jul 28, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Plan and Will
Replies: 12
Views: 851

Re: Estate Plan and Will

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

See the wiki: Estate planning

Both you and your wife need to read the threads under the "Forum discussions" section.
by LadyGeek
Tue Jul 28, 2015 4:21 pm
Forum: Investing - Theory, News & General
Topic: Q: What is the core concept behind all finance, personal and otherwise?
Replies: 1
Views: 337

Re: Q: What is the core concept behind all finance, personal and otherwise?

Here are additional simple concepts: Comparing investments

You can solve any financial problem by drawing a cash flow diagram and understanding the 5 financial variables. These concepts are known as the Time Value of Money.

Discounted cash-flow is understanding the concept of Present Value.
by LadyGeek
Tue Jul 28, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 2660

Re: Can I reject a medical exam during insurance application without consequences?

Discussions of dishonest behavior or bypassing the law are totally unacceptable.

In this case, the OP is asking for ways to deceive the insurance company in order to get life insurance without disclosing a medical condition.

This thread has run its course and is locked.
by LadyGeek
Tue Jul 28, 2015 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1621

Re: Penny Stocks

So I take it that no one had read Peter Leed's book. I was hoping for some intelligent discussion. As I noted in my previous post, this forum does not follow penny stocks for the reasons given. I hope you'll consider the Bogleheads® investment philosophy . If not, there's nothing more that can be s...
by LadyGeek
Mon Jul 27, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3301

Re: How long until a $10,000 loss matters?

Good timing. This thread has run its course and is locked (topic exhausted, no added value to continue). See: Board rules 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...
by LadyGeek
Mon Jul 27, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1733

Re: Zions, Bryce, Grand Canyon Late March

This thread is now in the Personal Consumer Issues forum (Canyon).
by LadyGeek
Mon Jul 27, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: I know I'm not the only one... [dividend paying stock funds]
Replies: 24
Views: 2700

Re: I know I'm not the only one... [dividend paying stock funds]

I retitled the thread.

As noted earlier, here's Larry Swedroe's thread on the topic: Another look at dividend paying stocks
by LadyGeek
Mon Jul 27, 2015 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 1621

Re: Penny Stocks

Gbean, I took a look at your other posts. So far, you've asked about loaning money to a friend and you have an interest in Lending Club. Now, you're looking at penny stocks (no need to mention any details here). The reason everyone here is telling you to stay away from penny stocks is because it's s...
by LadyGeek
Mon Jul 27, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Economics - Savers vs Spenders and economy
Replies: 13
Views: 1851

Re: Economics - Savers vs Spenders and economy

This thread has run its course and is locked (economic policy). See: Board rules 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, pol...
by LadyGeek
Mon Jul 27, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 994
Views: 159220

Re: What Movie Have You Recently Watched?

American Sniper . It was better than I expected, I liked it. Acting was very good, but by the time the movie ended, it seemed the sniper angle was almost incidental to the psychological impact of war. Also, I was puzzled by some of the early sniper scenes, in particular the woman and young boy. Why...
by LadyGeek
Mon Jul 27, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio [Russia]
Replies: 18
Views: 1266

Re: Help with portfolio [Russia]

^^^ I fixed the wiki, it's working now.

Here's the link: EU investing
by LadyGeek
Sun Jul 26, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16916

Re: OPM breach and credit freeze

FYI - I merged sambb's thread into here.

BTW, my homeowners policy covers identity theft. It's a no-cost adder to my policy. (More accurately, the agent said there would be no reduction in premium if I removed it.)
by LadyGeek
Sun Jul 26, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 3587

Re: Doc changing last name

FYI - I removed a comment related to having a Hispanic last name, as the intentions can be misinterpreted.

Let's focus on the technicalities of going through the name change process.
by LadyGeek
Sun Jul 26, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Lesson learned about RBD [Really Bad Day]
Replies: 29
Views: 2521

Re: Lesson learned about RBD [Really Bad Day]

pkcrafter has posted a very relevant article in this thread: Edelman -- best days, worst days
by LadyGeek
Sun Jul 26, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio [Russia]
Replies: 18
Views: 1266

Re: Help with portfolio [Russia]

I have merged your post back into the earlier thread. To give you the best advice, we should see all of your information in one location (this thread).

Additionally, the members who have helped you before will see this thread updated and can help you again.
by LadyGeek
Sun Jul 26, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2663

Re: Vanguard Account Hacked

This thread has run its course and is locked (general rant). See: Board rules General comments or complaints about these topics will be locked or removed. Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controv...
by LadyGeek
Sun Jul 26, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5413

Re: Where do you keep/park your emergency fund?

The wiki has some background info: Emergency fund

1. Immediate need (ATM cash) - local brick-n-mortar
2. Need in a few days - Capital One (formerly ING)
3. Longer - High interest CDs
by LadyGeek
Sun Jul 26, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Looking for secure online bank
Replies: 18
Views: 1884

Re: Looking for secure online bank

jalbert wrote:...2. If you can mail the initial deposit and application to that address, do so, and wait to get instructions for setting up the web account.

Here's the link: FDIC: BankFind
by LadyGeek
Sun Jul 26, 2015 3:46 pm
Forum: Forum Issues and Administration
Topic: Incorrect time on [bogleheads.org home page; 4 hours ahead]
Replies: 6
Views: 540

Re: Incorrect time on [bogleheads.org home page; 4 hours ahead]

FYI - mingstar fixed the home page. Everyone should be seeing the same time.
by LadyGeek
Sun Jul 26, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 43
Views: 5193

Re: YNAB a good subsitute for Quicken?

How easy is it to access your cellphone? YNAB is also available as a mobile app, for example: Android

Leave the lab for a quick break, or during lunch time, to get to your cellphone. Punch in the info, store your cellphone (wherever you keep it outside the lab), then get back to the lab.
by LadyGeek
Sun Jul 26, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 43
Views: 5193

Re: YNAB a good subsitute for Quicken?

I don't own YNAB, but a quick google search shows that you can run it from a flash drive.

Bear in mind there is no expectation of privacy at work.
by LadyGeek
Sun Jul 26, 2015 1:05 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22458

Re: Click to jump to page...

^^^ We're back to "normal" response time. ...When you want to jump to a new page, you are presented with an array of page numbers to click on along with an icon with a curved arrow for "Click to jump to page..." Unfortunately, that option does not appear to work. At least not for...
by LadyGeek
Sun Jul 26, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 2404

Re: E-Statement Alert Gone for Chase Credit Card

This thread is now in the Personal Finance (Not Investing) forum (credit card).
by LadyGeek
Sun Jul 26, 2015 10:48 am
Forum: Forum Issues and Administration
Topic: Incorrect time on [bogleheads.org home page; 4 hours ahead]
Replies: 6
Views: 540

Re: Incorrect time on forum page; 4 hours ahead

Found it. It's not the forum page, but the home page (bogleheads.org) is off. I retitled the thread. We're running on multiple servers, which are sitting in the US Eastern Time zone. US Eastern Time + 4 hours is GMT. I think this happened during the scramble to fix the forum slow down ( Are Things S...
by LadyGeek
Sun Jul 26, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Looking for secure online bank
Replies: 18
Views: 1884

Re: Looking for secure online bank

^^^ But that changes the OP's desired asset allocation. He's looking for cash, this is bonds - an entirely different animal used for a different purpose. Bonds are not FDIC insured and can lose value.
by LadyGeek
Sun Jul 26, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 994
Views: 159220

Re: What Movie Have You Recently Watched?

American Sniper. It was better than I expected, I liked it.
by LadyGeek
Sat Jul 25, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest for two years
Replies: 13
Views: 1342

Re: $100,000 to invest for two years

I removed a few off-topic comments. herb7949, Welcome! OK, I see why you asked this question. We may occasionally miss important information if it's not contained in one spot. I recommend posting your portfolio using the Asking Portfolio Questions in your other thread: We are in our fifties and I a...
by LadyGeek
Sat Jul 25, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Artificial Interest Rates and Bubble
Replies: 10
Views: 544

Re: Artificial Interest Rates and Bubble

Ctech wrote:Thank you all for your input as far as which L fund. I'm in to 2030 I put it for when I'd retire from military

Thank you for your service. Here's a wiki article that will help you while you're still in the military: Military finances

Feel free to pass it around to your buddies.
by LadyGeek
Sat Jul 25, 2015 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Artificial Interest Rates and Bubble
Replies: 10
Views: 544

Re: Artificial Interest Rates and Bubble

I removed some off-topic opinions of economic policy which had a political bias. As a reminder, see: Board rules (Unacceptable Topics)

Please stay on-topic.

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