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Re: Question about saving for retirement when a postdoc

The wiki has some background info: Tax gain harvesting . However, this may be a bit imposing for new investors. To assist with answering livesoft's request, I recommend you post your portfolio (or at least what you have so far) in this format: Asking Portfolio Questions Although you don't have anyth...
by LadyGeek
Sat Mar 28, 2015 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about saving for retirement when a postdoc
Replies: 4
Views: 145

Re: Rick Ferri's 30 year market forecast 2015

Rick Ferri has given permission to reproduce the table in the wiki. The wiki has been updated: Historical and expected returns I made one administrative change: The International Equity asset class description of "Developed countries small company" was changed to "Developed countries ...
by LadyGeek
Sat Mar 28, 2015 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 56
Views: 5026

Re: Guyton-Klinger Withdrawal Decison Rules

To further reduce the eye strain, I played some tricks with the formatting on siamond's earlier posts. The charts are now clickable links, meaning that you can click on the images to see them full size. To see how it's done, quote the post and look at the BBCode (the tags used for formatting posts)....
by LadyGeek
Sat Mar 28, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 110
Views: 6977

Re: Guyton-Klinger Withdrawal Decison Rules

plenty of interesting numbers if you squint hard enough... ^^^ Instead of squinting, here are the direct links to the images: The various parameters of all scenarios tried in this experiment: SCNs Parameters.jpg (JPEG Image, 1200 × 272 pixels) The corresponding detailed stats, aggregated across a b...
by LadyGeek
Sat Mar 28, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guyton-Klinger Withdrawal Decison Rules
Replies: 110
Views: 6977

Re: What Book Are You Currently Reading? Part VI

^^^ Sorry, I should have explained. It was a street language term that was above the "family friendly" threshold used for this forum. You now have 2 options, which is a choice of marginal utility : (1) buy the book, or (2) PM me and I'll give you the original text for free. (Please keep th...
by LadyGeek
Sat Mar 28, 2015 9:46 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 568
Views: 78295

Re: Vanguard's Week In Review

I found a very nice summary of the past week and schedule of reports for next week at MFS's web site: https://www.mfs.com/wps/portal/mfs/us-investor/market-outlooks/market-commentary/week-in-review?clearPortletSession=true Provides more items than Vanguard's normal report - mostly facts with very l...
by LadyGeek
Sat Mar 28, 2015 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 18
Views: 1693

Re: Mom seeking financial help - what to do?

I removed a response to what may have been misinterpreted as rude comment. A 3rd member then stepped in to challenge the response. Before things get further out of hand, I removed the entire exchange. As a reminder, see: Forum Policy We expect this forum to be a place where people can feel comforta...
by LadyGeek
Fri Mar 27, 2015 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4286

Re: Rick Ferri's 30 year market forecast 2015

That [2014] column heading was "Real Return" which presumably is what this year's "BEFORE INFLATION RETURNS" is now supposed to mean, but yes, it's an odd way to word it. I changed the first column to "Before Inflation Returns" from "Real Returns" because mos...
by LadyGeek
Fri Mar 27, 2015 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 56
Views: 5026

Re: Vanguard's Week In Review

You might have better success with feedback on the "Comment" link or any of the social media connections listed at the bottom of the page.
by LadyGeek
Fri Mar 27, 2015 9:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 18
Views: 1693

Re: Vanguard's Week In Review

OK, now I see what you're saying. Vanguard is consolidating sources from here (see the link at the bottom of the page): Guide to major U.S. economic reports You can find the data yourself, such as from: - The U.S. Bureau of Economic Analysis (BEA) - The Bureau of Labor and Statistics Economic News R...
by LadyGeek
Fri Mar 27, 2015 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 18
Views: 1693

Re: Sued and won for drycleaner losing suit, suit now found.

^^^ :) OK, more to the point - I agree with the others. Stick with the legal judgment and don't pickup the suit. From another perspective, the OP waited 2 months to file a court claim. Was there a serious effort to contact the shop owner in a timely manner about the lost suit? As for waiting until t...
by LadyGeek
Fri Mar 27, 2015 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 39
Views: 4028

Re: Vanguard's Week In Review

The wiki home page features the RSS feed of Vanguard news (bottom left side) , which is from the Vanguard - News archive . Is this what you're looking for? If anyone has an alternative to Vanguard, we're open to suggestions. Alternatively, there are quite a number of Bogleheads blogger RSS feeds in ...
by LadyGeek
Fri Mar 27, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 18
Views: 1693

Re: Sued and won for drycleaner losing suit, suit now found.

It's a choice of accepting the judgement or being taken to the cleaners.

(Sorry, couldn't wait any longer. You guys are slow. :) )
by LadyGeek
Fri Mar 27, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 39
Views: 4028

Re: What Book Are You Currently Reading? Part VI

Under a Graveyard Sky, by John Ringo. Zombie apocalypse - what more needs to be said? :)

This is book 1 of the Black Tide Rising Series. It keeps my attention.
by LadyGeek
Fri Mar 27, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 568
Views: 78295

Re: Fed to Gradually Increase Interest Rates

This thread is officially doomed (locked). The disagreements have already started. See: Forum Policy 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...
by LadyGeek
Fri Mar 27, 2015 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Fed to Gradually Increase Interest Rates
Replies: 6
Views: 862

Re: [TSP G Fund Possible Changes]

Due to the popularity of the Thrift Savings Plan plan in this forum, I merged Info_Hound's thread into here ( thread remains locked ). Any further threads will be removed from the forum (the number of locks will remain at 2). I'd like to reiterate why these threads are locked. In addition to the &qu...
by LadyGeek
Fri Mar 27, 2015 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 991

Re: I Bonds - now or later in the year?

FYI - I merged wassabi's thread into here. I also fixed the spelling in the title "IBonds" to "I Bonds". The wiki has some background info: I savings bonds We seem to have these questions arise every 6 months as each May 1 and November approach. If anyone finds any more "sho...
by LadyGeek
Fri Mar 27, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 26
Views: 1729

Re: My evil plan backfired

mojave wrote:I wasn't sure if I should post this here or in investments, but as it's more around psychology and behaviors than investments specifically I put it here.

How about: This thread is now in the Investing - Theory, News & General forum (behavioral finance / investing).
by LadyGeek
Thu Mar 26, 2015 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6427

Re: My deployed soldier is coming home!

Also, thanks to your son and welcome! Is your son remaining in the military when he comes home? In any case, please have him join this forum. He'll get plenty of help. In fact, we have an entire wiki page for helping US military: Military finances As others stated, keep that 50k in a "safe"...
by LadyGeek
Thu Mar 26, 2015 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 21
Views: 1894

Re: Looking for roommate at 2015 National Conference

Welcome! I'll see you there.

To protect privacy, I'm locking this thread. All communications should be done via PM (Private Message).
by LadyGeek
Thu Mar 26, 2015 8:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Looking for roommate at 2015 National Conference
Replies: 1
Views: 263

Re: Wash Sale (w/ a slight spin)

Thanks. This is why I said I wasn't sure about treating them the same. In some publications, they're tied together (like Pub 590-A for retirement contributions). For here, it's not so clear. Through a google search, I found another website opinion: Wash sale - Wiki | The Motley Fool (my underline) I...
by LadyGeek
Thu Mar 26, 2015 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Wash Sale (w/ a slight spin)
Replies: 23
Views: 1303

Re: Kendrick Lamar: Rapper with Boglehead Principles?

This thread has run its course and is locked (celebrities). See: Forum Policy 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, politi...
by LadyGeek
Thu Mar 26, 2015 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Kendrick Lamar: Rapper with Boglehead Principles?
Replies: 14
Views: 1519

Re: G Fund Changes

^^^ Exactly. As stated by the site owner, Alex Frakt (from Re: 529 Plans in Danger? ): This is a good time to post a reminder of our forum policies: UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and com...
by LadyGeek
Thu Mar 26, 2015 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 991

Re: What Movie Have You Recently Watched?

^^^ Check your PMs (the 1 new messages in the top left corner). If you have any questions, let me know (via PM).
by LadyGeek
Thu Mar 26, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 655
Views: 85804

Re: International stock dividend cut. Why?

^^^ Not any more. I moved x76apple's thread into here.

This (combined) thread is now in the Investing - Theory, News & General forum (general investing).
by LadyGeek
Thu Mar 26, 2015 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 2898

Re: Failed Surgery - Doctor not volunteering discount

This thread has run its course and is locked (topic exhausted, getting argumentative). 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 lock a topic (set it s...
by LadyGeek
Thu Mar 26, 2015 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 2362

Re: Should I accept this Job Offer ?

I will be 34 shortly and am approaching the point where it is challenging to be patient and wait for career mobility opportunities to materialize . I feel that an increase of the likes of what I have in front of me would probably take close to two or three years if I am lucky and land a high positi...
by LadyGeek
Wed Mar 25, 2015 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I accept this Job Offer ?
Replies: 20
Views: 1558

Re: Wash Sale (w/ a slight spin)

Remember that I'm guessing on this and could be wrong. Consider that there are a TON of retirement plans and staying with consistent terminology, meaning to focus on the "Individual" plans, is probably close enough. For example, employer retirement plans (401(k)) are an integral part of Pu...
by LadyGeek
Wed Mar 25, 2015 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Wash Sale (w/ a slight spin)
Replies: 23
Views: 1303

Re: Should I accept this Job Offer ?

How long have you been "Associate" at MegaCorp? Do you have any current experience overseeing someone? I'm wondering why your new title is called "Manager" with no direct reports. Supervising a "subject matter expert", sounds like matrix management. IOW, this "expe...
by LadyGeek
Wed Mar 25, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I accept this Job Offer ?
Replies: 20
Views: 1558

Re: Wash Sale (w/ a slight spin)

We just updated the wiki for 2014 wash sale rules. See: Wash sale Note the explicit guidelines for retirement accounts. (Item 4 is new for the wiki page.) A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you:[note 1] 1. Buy substanti...
by LadyGeek
Wed Mar 25, 2015 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Wash Sale (w/ a slight spin)
Replies: 23
Views: 1303

Re: why they requires my username and pass word

This thread is now in the Forum Issues and Administration forum. looking - You have to be sure that your browser has cookies enabled for this site. You stated that you have checked the box to the left of "Log me on automatically each visit" when you login to the forum. As dratkinson says, ...
by LadyGeek
Wed Mar 25, 2015 6:37 pm
 
Forum: Forum Issues and Administration
Topic: why they requires my username and pass word
Replies: 7
Views: 785

Re: Urgent Care Centers - When should they be used?

The discussion is focusing on medical advice, which is off-topic. Consider that this is an anonymous forum where advice can be misstated or misinterpreted. Doing the wrong thing will do harm. For these reasons, this thread has run its course and is locked. See: Forum Policy Medical Issues Questions...
by LadyGeek
Wed Mar 25, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3613

Re: Financial Engines

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

Financial Engines is discussed somewhat infrequently in this forum: financial engines - Google Search

I used it initially, but didn't like the software's asset allocations. Now, I ignore it.
by LadyGeek
Tue Mar 24, 2015 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Engines
Replies: 2
Views: 387

Re: What Happens When Vanguard Owns Everything?

^^^ FYI - I moved Taylor Larimore's thread into here. The forum software sorts by time; Mel Lindauer was the first to post.
by LadyGeek
Tue Mar 24, 2015 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 4656

Re: Netflix DVD delivery slowdown?

Munchey - Welcome! I removed your animated GIF, as it's distracting. If you have any questions, feel free to PM me.
by LadyGeek
Tue Mar 24, 2015 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 99
Views: 14878

Re: Variable spending strategies paper by Pfau

FYI - Forum member wade is Wade Pfau, the paper's author.
by LadyGeek
Tue Mar 24, 2015 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Variable spending strategies paper by Pfau
Replies: 32
Views: 3074

Re: Worthless stock help

Doesn't the letter stating the security was abandoned (removed from account as worthless) count as abandonment?

Publication 550 says to use Form 8949 to report the worthless security. Here's the link: Form 8949, Sales and Other Dispositions of Capital Assets

Sorry, I can't help you more here.
by LadyGeek
Tue Mar 24, 2015 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worthless stock help
Replies: 20
Views: 1832

Re: Gallbladder surgery

This thread has run its course and is locked (medical issues). 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's User'...
by LadyGeek
Tue Mar 24, 2015 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Gallbladder surgery
Replies: 20
Views: 9075

Re: Corrected 1099-DIV: Do I have to amend my return?

As an aside, I think the frequent admonitions here in this forum that amending returns is easy-peasy are misplaced. No it isn't. It's easy if you've done it before. But the first time you change the oil in your car, or ride a bicycle, or amend a tax return, it is not easy. And when the payoff is $1...
by LadyGeek
Tue Mar 24, 2015 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099-DIV: Do I have to amend my return?
Replies: 12
Views: 1091

Re: Corrected 1099-DIV: Do I have to amend my return?

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

Yes, amend your return. I've gone through the process with my tax software. You shouldn't have any problems.
by LadyGeek
Mon Mar 23, 2015 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corrected 1099-DIV: Do I have to amend my return?
Replies: 12
Views: 1091

Re: International increase in Target Retirement & LifeStrate

FYI - I merged tennisplyr's thread into here.
by LadyGeek
Mon Mar 23, 2015 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17226

Re: Should I recharacterize 2014 Roth contributions?

The wiki has some background info: IRA recharacterization I don't have the experience to answer your question except that no one can predict their tax rate in retirement. The best approach is to diversify, meaning to hold both traditional and Roth IRAs. When you get really close to retirement, you m...
by LadyGeek
Mon Mar 23, 2015 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I recharacterize 2014 Roth contributions?
Replies: 7
Views: 345

Re: Worthless stock help

jerryelstein - Welcome! The wiki has some background info: What if the stock is worthless? Stocks, stock rights, and bonds (other than those held for sale by a securities dealer) that became completely worthless during the tax year are treated as though they were sold on the last day of the tax year...
by LadyGeek
Mon Mar 23, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worthless stock help
Replies: 20
Views: 1832

Re: Should we roll our tIRAs into our Roth?

To be clear, no one really knows the future - adding personal details here won't help. The general approach is to take a guess. You should save as much as you can in whatever tax-deferred account you have access to. Save early and often, here's why: Importance of saving early By squirreling away you...
by LadyGeek
Mon Mar 23, 2015 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we roll our tIRAs into our Roth?
Replies: 3
Views: 367

Re: converting TSA [Tax Sheltered Annuity] to IRA

This thread is now in the Personal Finance (Not Investing) forum (retirement plans). I also retitled the thread.
by LadyGeek
Mon Mar 23, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: converting TSA [Tax Sheltered Annuity] to IRA
Replies: 3
Views: 356

Re: Best Bank for Checking Account

This thread is now in the Personal Finance (Not Investing) forum (general bank accounts, which fall under personal finance).
by LadyGeek
Mon Mar 23, 2015 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2536

Re: Should we roll our tIRAs into our Roth?

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

Consider that you don't know your future tax bracket. Having "some of each" (traditional and Roth) is a good way to diversify your approach.
by LadyGeek
Mon Mar 23, 2015 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we roll our tIRAs into our Roth?
Replies: 3
Views: 367

Re: Should I recharacterize 2014 Roth contributions?

This thread is now in the Personal Finance (Not Investing) forum (IRA recharacterization).
by LadyGeek
Mon Mar 23, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I recharacterize 2014 Roth contributions?
Replies: 7
Views: 345

Re: Splitting a Food Tab on a Combined Birthday Lunch

This thread is now in the Personal Consumer Issues forum (how you spend your money and your time).

This is a total cost lunch; the tips are already included.
by LadyGeek
Mon Mar 23, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3674

Budget ? [Household budget, how to manage gap in income?]

The wiki has some background info, along with a sample spreadsheet: Household budgeting Be sure to check the references under "External links".

I also retitled the thread. P_Bennett - If you want to change the title, just edit the Subject: line in Post #1.
by LadyGeek
Mon Mar 23, 2015 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget ? [Household budget, how to manage gap in income?]
Replies: 8
Views: 1203
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