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Re: How to avoid ads and not get tracked

This thread has run its course and is locked (strayed into general discussion on ethics of supporting advertisers). See: Forum Policy Note that topics must be directly connected to your (or your friend's or family's) life as a consumer. General comments or complaints about these topics will be remo...
by LadyGeek
Sat Apr 19, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2434

Re: Family Financial Health Check and Advice

I agree with NorCalDad; you're running a bit light on the emergency fund. The wiki has some background info: Emergency fund Remember the priorities - invest after you've gotten your emergency fund filled. Here's the big picture: Financial planning (Implement the plan) Remember that we're talking abo...
by LadyGeek
Sat Apr 19, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Financial Health Check and Advice
Replies: 14
Views: 1050

Re: Retirement defeasance

Would it be similar to a CD in which you reinvest the interest? dl7848's article was still confusing. The structured products aspect didn't help my understanding. I may be missing a fundamental concept here (why isn't defeasance mentioned more often in the forum), so I'll keep researching. Wiki refe...
by LadyGeek
Sat Apr 19, 2014 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement defeasance
Replies: 21
Views: 1779

Re: I-Bond Rate for May 1, 2014?

OK, let's use that thread. Further comments should be posted in: Speculation on I Bond fixed rate for May 1st

(Thread locked to redirect responses.)
by LadyGeek
Sat Apr 19, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: I-Bond Rate for May 1, 2014?
Replies: 4
Views: 258

Re: I-Bond Rate for May 1, 2014?

This thread is now in the Investing - Theory, News & General forum (general investing, I-bond rates).
by LadyGeek
Sat Apr 19, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: I-Bond Rate for May 1, 2014?
Replies: 4
Views: 258

Re: Retirement defeasance

This thread is now in the Investing - Theory, News & General forum (theory). Can someone go into a bit more detail of defeasance? This definition doesn't cut it in terms of explaining the OP's approach: Defeasance Here's the wiki's description of matching strategies: Matching strategy IRA requir...
by LadyGeek
Sat Apr 19, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement defeasance
Replies: 21
Views: 1779

Re: Boglehead used car problem. Run It or ditch it?

This thread is now in the Personal Consumer Issues forum (car).
by LadyGeek
Sat Apr 19, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 20
Views: 1278

Re: Beware Vanguard DOES NOT update all your account values

sscritic wrote:
LadyGeek wrote:livesoft - If those are your real numbers,

[ficticious sample]

I missed the obvious statement and have corrected my post. :oops:
by LadyGeek
Sat Apr 19, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 28
Views: 1975

Re: Pot-smoking tourists to Colorado??

This thread has run its course and is locked (behavior stereotyping, general rant). See: Forum Policy Note that topics must be directly connected to your (or your friend's or family's) life as a consumer. General comments or complaints about these topics will be removed. Note that this subforum has...
by LadyGeek
Sat Apr 19, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Pot-smoking tourists to Colorado??
Replies: 9
Views: 706

Re: Beware Vanguard DOES NOT update all your account values

This thread is now in the Investing - Theory, News & General forum (general investing question). livesoft - If those are your real numbers, I strongly recommend obscuring the values here (public information) and sending the actual ones to Vanguard. Aggregation of information (stuff p...
by LadyGeek
Sat Apr 19, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 28
Views: 1975

Re: Live Now, Live Later?

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

turning50 wrote:Thank you from exotic Simla, foothills of the himalayas…we just had to do it and loving it.

This forum helps members worldwide. If you have any investing questions, we can help from that aspect.
by LadyGeek
Sat Apr 19, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 33
Views: 2594

Re: Golfer's elbow treatment

^^^ You got it. To make this "official," this thread has run its course and is locked. 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 A...
by LadyGeek
Sat Apr 19, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 389

Re: Baby Boomers: Top 10 Movies

Good Morning, Vietnam (1987).
by LadyGeek
Fri Apr 18, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 36
Views: 2261

Re: How to avoid ads and not get tracked

Please stay on-topic, which is configuring your browser to avoid being tracked.

Government intrusion on your privacy (conspiracy theory) is off-topic.


Update: Clarified wording.
by LadyGeek
Fri Apr 18, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2434

Re: Family Financial Health Check and Advice

OK, I'm the one who put it in the Investing - Help with Personal Investments . It's now back in the Personal Finance (Not Investing) forum, where the OP originally had it. Note to self - It's mostly personal finance, so let's keep it here. She's our medical facility's tax attorney so I think she's q...
by LadyGeek
Fri Apr 18, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Financial Health Check and Advice
Replies: 14
Views: 1050

Re: Net Worth Survey, 2014 Edition

I see use of this data to plot asset allocation over time, which is investing related. The focus of the Investing - Theory, News & General forum: If it's investment related and it doesn't fall into the above category it goes here. Examples of acceptable topics include news about new fund offerin...
by LadyGeek
Fri Apr 18, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18377

Re: *poor* Bogleheads

This thread is now in the Forum Issues and Administration forum (request for new sub-forum). No, we will not add a new forum based on income level. I want to be absolutely clear that this forum is to help anyone who asks - regardless of the financial situation. I'll leave it at that. This thread has...
by LadyGeek
Fri Apr 18, 2014 4:52 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5171

Re: What Book Are YOU Currently Reading? PART III (12/11/200

I moved a few posts into Part V (which is the reason for gkaplan's post): What Book Are You Currently Reading? Part V

(Thread locked to redirect.)
by LadyGeek
Fri Apr 18, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART III (12/11/2009)
Replies: 424
Views: 66349

Re: Does Vanguard charge Rebalancing fees?

This thread is now in the Investing - Theory, News & General forum (investing question).
by LadyGeek
Thu Apr 17, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard charge Rebalancing fees?
Replies: 19
Views: 1207

Re: Family Financial Health Check and Advice

No wills, no trusts. A pre-need guardianship has been filed with our local clerk of court in the event something were to occur. How are your finances handled if something bad happens? For example, you get into an unfortunate situation where you are incapacitated and are unable to take care of the f...
by LadyGeek
Thu Apr 17, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Financial Health Check and Advice
Replies: 14
Views: 1050

Re: Family Financial Health Check and Advice

This thread is now in the Investing - Help with Personal Investments forum (getting your portfolio in shape).
by LadyGeek
Thu Apr 17, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Financial Health Check and Advice
Replies: 14
Views: 1050

Re: practicing medicine in Texas...

...I highly recommend the blog of a well-known poster here who also is a practicing emergency physician (he posts as Emergdoc). His blog, "The White Coat Investor", can be found at http://whitecoatinvestor.com/. He also has written a recent book focused on investing and financial matters ...
by LadyGeek
Thu Apr 17, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 23
Views: 1773

Re: Monte Carlo Software

This thread is now in the Investing - Theory, News & General forum (theory). Could you be a little more specific? Monte Carlo has no meaning other than it's a "statistical analysis" of some sort - it's not specific to any algorithm. See: Monte Carlo method Are you interested in backtes...
by LadyGeek
Thu Apr 17, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Software
Replies: 5
Views: 517

Re: Over-55 communities a ripoff?

This thread has run its course and is locked (general rant, no productive discussion). See: Forum Policy

Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be removed.
by LadyGeek
Thu Apr 17, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2586

Re: Use credit cards to pay rent: Amex Serve?

Discussions of dishonest behavior or bypassing the law are totally unacceptable here. The comments in this thread suggest that credit card agreements may have been violated, which is an ethical concern. The OP's question has been answered; let's call this thread done. This thread has run its course...
by LadyGeek
Thu Apr 17, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3578

Re: Use credit cards to pay rent: Amex Serve?

I argue that the miles game is an excellent hobby for someone interested in passive investing. It is a value added proposition that allows you to save (and invest) more of your own money. It is axiomatic that the single most important predictor of future wealth is a healthy savings percentage, and ...
by LadyGeek
Thu Apr 17, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3578

Re: practicing medicine in Texas...

This thread is now in the Personal Finance (Not Investing) forum (employment decision).
by LadyGeek
Thu Apr 17, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 23
Views: 1773

Re: Use credit cards to pay rent: Amex Serve?

I removed some 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... Attacks on individuals, insults, name calling, trolling, baiting or other attem...
by LadyGeek
Thu Apr 17, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3578

Re: The World Top Incomes Database

This thread has run its course and is locked (not investing related, nor does it fit in any other forum). See: Forum Policy If it's investment related and it doesn't fall into the above category it goes here. Examples of acceptable topics include news about new fund offerings, pointers to academic ...
by LadyGeek
Thu Apr 17, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: The World Top Incomes Database
Replies: 5
Views: 821

Re: First of two parter on what is risk

The wiki has some background info: Skewness and Excess kurtosis Question: The wiki is using a definition of excess kurtosis, but everything I see (including Larry's article) only addresses kurtosis. What's the distinction (excess or not) and should the wiki be corrected? BTW, disable browser cookies...
by LadyGeek
Thu Apr 17, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: First of two parter on what is risk
Replies: 26
Views: 1621

Re: What is your net worth

This thread has run its course and is locked (comments 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...
by LadyGeek
Thu Apr 17, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5346

Re: U.S. stocks in freefall

By member request (via a reported post) and concurrence of the moderators, I have removed a number of off-topic posts (including a naval battle and a black swan movie image). This thread is now unlocked.

Please stay on-topic.
by LadyGeek
Wed Apr 16, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122245

Re: Why does Vanguard use average return iso compound annual

This thread has run its course and is locked (getting contentious, 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 ove...
by LadyGeek
Wed Apr 16, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4105

Re: Stocks: How Bad It Can Get

This thread has run its course and is locked, there's no added value to continue (lost focus and gone off-topic - general comments on economic policy, predictions of military occupational forces). See: Forum Policy Locked Topics Moderators or site admins may lock a topic (set it so no more replies ...
by LadyGeek
Wed Apr 16, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5332

Re: Did not have fun this year doing my taxes- TT

This thread is now in the Personal Finance (Not Investing) forum (taxes). I also merged another thread into here.

Several posts refer to TurboTax's lobbying effort. Please refrain from discussing the politics side (OK so far).
by LadyGeek
Wed Apr 16, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 41
Views: 3781

Re: Portfolio Volatility is a Big Drag on Returns

steve r wrote:So how about Vanguard Global Minimum Volatility Fund Investor Shares (VMVFX) for the stock portion of a portfolio.

It's not all it's cracked up to be, discussed in this thread: [Vanguard Announces New Low Volatility Fund] (and to a lesser extent: Global Minimum Volatility Fund)
by LadyGeek
Wed Apr 16, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio Volatility is a Big Drag on Returns
Replies: 25
Views: 1841

Re: TaxAct question

This thread is now in the Personal Finance (Not Investing) forum (TaxACT).
by LadyGeek
Tue Apr 15, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct question
Replies: 5
Views: 385

Re: Help with a put option, can i exercise it?

One last try- I'll give you an inside track for a really good eBook: If You Can: How Millennials Can Get Rich Slowly [Kindle Edition], but don't get it on Amazon.com. Get it for free at this site:

The booklet is available for free in acrobat, mobi, and Kindle formats.

It's a quick read.
by LadyGeek
Tue Apr 15, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a put option, can i exercise it?
Replies: 13
Views: 355

Re: I Retired; Now What Do I Do?

Welcome! First, take your time and do some reading. Start here: Getting started Do you think you can figure out what you have and post it in this format? Asking Portfolio Questions This will give you some time to organize and think about the "big picture" while giving us the information we...
by LadyGeek
Tue Apr 15, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Retired; Now What Do I Do?
Replies: 2
Views: 820

Re: Help with a put option, can i exercise it?

Would you have considered it if you've lost money? Something to think about...

OK, I wanted to give it a try. I'll hold-off and let someone else answer the question.
by LadyGeek
Tue Apr 15, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a put option, can i exercise it?
Replies: 13
Views: 355

Re: Help with a put option, can i exercise it?

Welcome! The investing approach for this forum is buy-and-hold across the entire market. Take a look at the Bogleheads® investment philosophy (also, watch the videos ). One of our basic tenets is "never invest in something you don't understand." We think you'll do much better using our app...
by LadyGeek
Tue Apr 15, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a put option, can i exercise it?
Replies: 13
Views: 355

Re: TIAA-CREF is buying Nuveen?

I think you need to look at the TIAA-CREF organizational structure. This is a merging of two organizations under two different structures. See: How We’re Structured TIAA - Insurance company based in New York CREF - Registered with the SEC Here's the wiki article: TIAA-CREF The introductory overview ...
by LadyGeek
Tue Apr 15, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2443

Re: TIAA-CREF is buying Nuveen?

Tax exempt and not-for-profit are different word combinations (see, I didn't use my usual different words). Here is a letter dated 1/7/2011 to Ben Bernanke from the Chief Legal Officer Incorporated as a stock life insurance company in the State of New York, we operate on a not-for-profit basis. P.S...
by LadyGeek
Tue Apr 15, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2443

Re: Anyone feed the birds?

bluemarlin08 wrote:Need recommendations for first time birders. We live in Middle Tennessee next to several acres of woods. We have a deck that we tried hanging feeders but our squirel population is large and they ruined it.

Check this thread: Squirrel Proofing a Bird Feeder

My recommendation is in this post.
by LadyGeek
Tue Apr 15, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 6111

Re: Lost $10K in my investments past few months

Please stay on-topic to help the OP.

I think we have enough algebra examples for the moment.
by LadyGeek
Tue Apr 15, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4322

Re: Lost $10K in my investments past few months

This thread is now in the Investing - Help with Personal Investments forum.

Stoney178 - was your question answered? What's your level of risk tolerance (asset allocation)?
by LadyGeek
Tue Apr 15, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4322

Re: All-inclusive resort vacation for $2K??

This thread is now in the Personal Consumer Issues forum (vacation).
by LadyGeek
Tue Apr 15, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 16
Views: 1668

Re: Distribution of losses at termination of Trust

This thread is now in the Personal Finance (Not Investing) forum (estate planning).
by LadyGeek
Tue Apr 15, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Distribution of losses at termination of Trust
Replies: 4
Views: 327

Re: Interest Rates

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
Tue Apr 15, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest Rates
Replies: 4
Views: 513

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=133586&p=2009636 Don't forget all the advice you've been give on your previous THREE threads, later combined by LadyGeek. It's now four. I merged the latest thread into here. OP - Please try to keep your information in one thread. It reall...
by LadyGeek
Tue Apr 15, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2684
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