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Re: Anyone built a Leer rated green house?

This thread is now in the Personal Consumer Issues forum (house).
by LadyGeek
Sat Apr 18, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a Leer rated green house?
Replies: 4
Views: 301

Re: Is this an index fund?

Perhaps, but let's give the OP some time to get the information.

Facts first, then we'll "politely" explain :wink: why we're stomping all over it.
by LadyGeek
Sat Apr 18, 2015 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 11
Views: 763

Re: Township replacing parking meters with kiosks. Is this

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
Sat Apr 18, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Township replacing parking meters with kiosks. Is this bad?
Replies: 9
Views: 359

Re: Retirement expenditure concept

Thank you, that explains a lot. I assume you've contacted Vanguard's legal department, as "noncompliant" tends to get a lot of attention. I'm not a lawyer, so I'll stop here.
by LadyGeek
Sat Apr 18, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 45
Views: 3073

Re: Is this an index fund?

Can you get the name of this "index fund"? I'm concerned that it may indeed be an insurance product, there are a LOT of them. For example: Equity-indexed annuity Point your friend to this forum (without disclosing your username) and show him the wiki: Getting started We'll be glad to help ...
by LadyGeek
Sat Apr 18, 2015 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 11
Views: 763

Re: Safety Deposit Box is Necessary (+1 plug:)

Please stay on-topic, which is about hiding your stuff.

Dog owners may be interested in this thread: First Time Dog Owners -- Any Regrets?
by LadyGeek
Sat Apr 18, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 31
Views: 3879

Re: Review my financial health. [Was - Tesla: HELOC vs Loan]

^^^ No worries, investing is indeed complicated and it takes time to figure this stuff out. The important point is that you take your time and to not be overwhelmed. There's no such thing as a question that's too simple to ask. The experienced members eat this stuff for lunch every day. If you don't...
by LadyGeek
Sat Apr 18, 2015 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 113
Views: 7691

Re: Retirement expenditure concept

...Just imagine that you are incapacitated and someone else getting the money out of your investments is critical to your well being. ...Its moving any Vanguard investments into the bank account that is a PITA Is it a problem with the way Vanguard implements Power of Attorney (POA)? There are 2 for...
by LadyGeek
Sat Apr 18, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 45
Views: 3073

Re: Retirement expenditure concept

Professor Emeritus wrote:But I still don't have a good handle on planning the expenditures
Im looking for an autopilot


Would this wiki article series be relevant? Retirement spending Perhaps one of the expenditure models will work.
by LadyGeek
Sat Apr 18, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 45
Views: 3073

Re: Private messages in outbox

Sorry for the delay, I just saw this thread.

This is a common question which is answered in the wiki: Posting FAQ for the Bogleheads® forum (Was my private message read?)
by LadyGeek
Sat Apr 18, 2015 9:24 am
 
Forum: Forum Issues and Administration
Topic: Private messages in outbox
Replies: 4
Views: 431

Re: Tips for Post-College Lifestyle

It's cool if you want to erase or strike your own written post. It's NOT COOL to strike my posted verbiage. Is there a forum rule about that, or is it just your preference? I'm genuinely curious. It's common courtesy, but I guess I'm old-fashioned that way. If you have an opinion, it's fine to post...
by LadyGeek
Fri Apr 17, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips for Post-College Lifestyle
Replies: 53
Views: 2585

Re: Backdoor Roth after Roth IRA contribution

This thread is now in the Personal Finance (Not Investing) forum (IRA).
by LadyGeek
Fri Apr 17, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth after Roth IRA contribution
Replies: 3
Views: 165

Re: Abbreviation: "OP"

The left-side menu of every wiki page has a link to Acronyms. We have a few for the forum, such as:

OP - Original Poster (not investing related).

RBD - Really Bad Day. A Bogleheads' idiomatic term coined by forum member livesoft. An early mention is in this thread: Today was a Really Bad Day.
by LadyGeek
Fri Apr 17, 2015 10:16 am
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1123

Re: How to [Financially] Prepare for a Baby

I removed coments related to nutritional supplements, which constitutes medical advice and 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 ...
by LadyGeek
Fri Apr 17, 2015 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 3547

Re: Safety Deposit Box is Necessary (+1 plug:)

Please stay focused on the safety deposit box aspect (where to hide your stuff). Hypothesizing on the personal aspects of the burglary is off-topic.
by LadyGeek
Fri Apr 17, 2015 9:25 am
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 31
Views: 3879

Re: Retirement expenditure concept

I merged Professor Emeritus's later thread into here. The combined thread is in the Investing - Theory, News & General forum (withdrawal strategy vs. investing, general discussion).

The risk vs. insurance concept is covered in the wiki: Matching strategy
by LadyGeek
Fri Apr 17, 2015 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 45
Views: 3073

Re: Just looking for advice

A few of you offered to help with our 401k elections. She's 29, balance is 4k as of now contributing 3%, but will be raising to 10%. As of now shes 100% contributed in the 25 to go fund. I was thinking of going to 35 to go fund. Until I hear your feedback. Heres wifes 401k eligible investments: Pre...
by LadyGeek
Thu Apr 16, 2015 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just looking for advice - [Payoff loan, 401(k) choices]
Replies: 31
Views: 1087

Re: Just looking for advice - [Payoff loan, 401(k) choices]

Joeinfla - I merged your 2nd thread back into the original, which is in the Investing - Help with Personal Investments forum. I also retitled the thread. In order to give you advice for your situation, it's best to keep all of the information in one spot. Feel free to update this thread as necessary...
by LadyGeek
Thu Apr 16, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just looking for advice - [Payoff loan, 401(k) choices]
Replies: 31
Views: 1087

Re: Retired - advise new investment

Could you post your info in this format? Asking Portfolio Questions It will make you think about the "big picture" while giving us the info we need to point you in the right direction.
by LadyGeek
Thu Apr 16, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired - advise new investment
Replies: 7
Views: 700

Re: How many baskets for your eggs? [Withdrawal strategy]

This thread is now in the Personal Finance (Not Investing) forum (withdrawal strategy). I also retitled the thread. The Wizard and ResearchMed, thanks. I posted the link but totally missed that section. The wiki is updated: 403(b) , check under "Distributions." Professor -...
by LadyGeek
Thu Apr 16, 2015 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 45
Views: 3073

Re: Retired - advise new investment

Welcome! You posted twice, but each one has different information. I combined them into a single thread to keep the information in one spot. Feel free to edit the posts as you see fit, use the "Edit" button in the top-right corner of each post. To help the readers with the acronyms: - &quo...
by LadyGeek
Thu Apr 16, 2015 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired - advise new investment
Replies: 7
Views: 700

Re: Safety Deposit Box is Necessary (+1 plug:)

This thread is now in the Personal Consumer Issues forum (hiding your stuff).
by LadyGeek
Thu Apr 16, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 31
Views: 3879

Re: EmergDoc on the James Lange Program

I merged Leesbro63's thread into here. The combined thread is in the Investing - Theory, News & General (general investing).

Here's a direct link: The White Coat Investor: Investing for Physicians
by LadyGeek
Thu Apr 16, 2015 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: EmergDoc on the James Lange Program
Replies: 17
Views: 3314

Re: The Three Fund Portfolio

General "theory" (backtesting, efficient frontier, etc.) should go in this forum ( Investing - Theory, News & General ). Bigfoot248's comments should go in this forum. Anyone needing help with their own personal investments should start a thread here: Investing - Help with Personal Inv...
by LadyGeek
Thu Apr 16, 2015 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1058
Views: 484863

Re: How many baskets for your eggs?

For 403(b), you can have umpteen 403(b) accounts at umpteen different vendors, but as long as they are all in your name, you can satisfy the RMD by taking it all out of one 403(b). 401(k) accounts do not have this feature. And as mentioned already, you can meet your IRA RMD by making a withdrawal f...
by LadyGeek
Thu Apr 16, 2015 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement expenditure concept
Replies: 45
Views: 3073

Re: Can we afford [a masters degree]?

This thread is now in the Personal Finance (Not Investing) forum (education).
by LadyGeek
Wed Apr 15, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 37
Views: 2376

Re: How to [Financially] Prepare for a Baby

The wiki has a financial checklist ready to go: Financial planning "Step 1, Establish Goals" is complete. OK, with "prepare for baby" as your goal, run down the list and start filling in the details. You may need a spreadsheet.* * If you don't have MS Excel, download Calc | Libre...
by LadyGeek
Wed Apr 15, 2015 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 3547

Re: How to [Financially] Prepare for a Baby

This thread is now in the Personal Finance (Not Investing) forum (financial planning). I also retitled the thread. Here's the original question: ...My question to you, is whether you think we should increase our emergency fund, assuming there will be new and unexpected expenses, or if we should try ...
by LadyGeek
Wed Apr 15, 2015 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 3547

Re: Birth Gift Strategy

This thread is now in the Personal Finance (Not Investing) forum (gift strategy).
by LadyGeek
Wed Apr 15, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Birth Gift Strategy
Replies: 11
Views: 1139

Re: FYI, just got the following error message [too many clie

Thanks, I let mingstar know.

(mingstar is Larry Auton, one of the site owners and takes care of the server.)
by LadyGeek
Wed Apr 15, 2015 3:21 pm
 
Forum: Forum Issues and Administration
Topic: FYI, just got the following error message [too many clients]
Replies: 10
Views: 1644

Re: VPN killing my Internet

To those asking about what's covered in this forum, see: Forum Policy (top-right menu on every forum page). VPN is on-topic - consumer services. Personal Consumer Issues This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Accep...
by LadyGeek
Tue Apr 14, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 30
Views: 2418

Re: International equity: Where? taxable or retirement accou

The wiki discusses this in detail: Tax-adjusted asset allocation Investors should pay attention to the warning box at the top of the article. Adjusting your asset allocation based on taxation may have significant unintended consequences. Tax rates change, tax brackets change, or your tax preferences...
by LadyGeek
Tue Apr 14, 2015 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: International equity: Where? taxable or retirement account?
Replies: 5
Views: 703

Re: [How long to] Wait For Employment Offer

This thread is now in the Personal Finance (Not Investing) forum (employment). Here are a few possibilities: 1) You're the prime candidate and they want to interview others to be sure. 2) An offer has been extended to someone else and they're waiting for an acceptance. Until then, they're holding on...
by LadyGeek
Tue Apr 14, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [How long to] Wait For Employment Offer
Replies: 12
Views: 1033

Re: TAXES...oh...taxes...

memphis, welcome! As stated previously, it's much better to have money and pay taxes on it than to not have anything at all. Let's take a step back and get organized. Take a scan through the wiki: Getting started . Use it to supplement the Boglehead's Guide to Investing. Next, post your portfolio in...
by LadyGeek
Tue Apr 14, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: TAXES...oh...taxes...
Replies: 27
Views: 2864

Re: How do you valuate a pension?

This thread is now in the Personal Finance (Not Investing) forum (pension).
by LadyGeek
Tue Apr 14, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 18
Views: 1563

Re: Kotlikoff: When Should you Take Social Security?

Discussions related to the future of Social Security or means-testing require changes in legislation - which are political comments and off-topic in this forum. As a reminder, see: Forum Policy UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from thes...
by LadyGeek
Tue Apr 14, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 242
Views: 24135

Re: Massive student debt @ 6.8%

I removed two areas of discussion which were not focused on helping the OP. Continuity is lost. First, a challenge on the use of "girl" when referencing a government service program (gender discrimination). Second, a member's opinion of financing a college education was challenged by anot...
by LadyGeek
Tue Apr 14, 2015 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6174

Re: Poll: do you own individual international stocks?

nisiprius wrote:It's fixed now, but I blew it--the poll means nothing at this point.

Since the results are invalid, let's close the poll.

(Thread locked.)
by LadyGeek
Tue Apr 14, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1716

Re: New member here, got some questions!

Synyster1337 - Welcome! You have great enthusiasm, keep it up. Remember that success requires three things: 1. Have a goal (done) 2. Make a plan (to do) 3. Act on the plan (to do) As mentioned earlier, start here: Getting started This will help point you in the right direction: Financial planning
by LadyGeek
Tue Apr 14, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member here, got some questions!
Replies: 14
Views: 967

Re: New member here, got some questions!

^^^ I removed the post. "Uncivil" language is totally unacceptable here. 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. If you feel that someone has atta...
by LadyGeek
Tue Apr 14, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member here, got some questions!
Replies: 14
Views: 967

Re: How should I name my home Wi-Fi network?

Here's the info from google: Configure access points with Google Location Service

How about -

Lawyer: pro_bo_nomap

Programmer: if_exists_map_then_nomap
by LadyGeek
Tue Apr 14, 2015 2:42 pm
 
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4464

Re: Student Loan Debt

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
Mon Apr 13, 2015 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt
Replies: 3
Views: 684

Re: Worthless stock help

Bought CCME @ 2010. I put "CCME" into Yahoo! Finance and got CCME: Summary for CHINA MEDIAEXPRESS- Yahoo! Finance . Is that it? This information is no help at all, so I went to the one place where all public companies have to submit their documents. The SEC's EDGAR database Direct link: S...
by LadyGeek
Mon Apr 13, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worthless stock help
Replies: 28
Views: 2988

Re: Household Gross Income Poll

...One thing I find that is lacking here is investment advice geared towards those of us in the lower marginal tax brackets (which is likely simply the result of a lack of demand, as many people at our income level don't or aren't able to save much). I agree that it's a lack of demand. We give advi...
by LadyGeek
Mon Apr 13, 2015 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12421

Re: Wiki Review: NRA taxes & Ireland funds articles

Anyway my situation is Australian citizen living in Qatar as "nonresident of Australia". I have real estate back home, but its time to be investing in markets from here on whilst I can reap the tax neutral reward on offshore income. Welcome! You have a thread requesting assistance here: A...
by LadyGeek
Mon Apr 13, 2015 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki Review: NRA taxes & Ireland funds articles
Replies: 18
Views: 1610

Re: Engineering as a career for a graduating HS student ?

This thread is now in the Personal Finance (Not Investing) forum (career discussion). I'm the father of the kid on the other thread that is interested in studying Ethnobotony. Here's the link: Ethnobotany as career choice Also, here's a relevant thread: Career and college advice for current HS stude...
by LadyGeek
Sun Apr 12, 2015 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 4312

Re: Password manager recommendations?

KeePass. Nothing gets uploaded to the cloud ("Trust No One" approach) and it's compatible with Linux. I can use the same data file for both OS.

It's also Open Source, you can get it from SourceForge: KeePass | Reviews for KeePass at SourceForge.net
by LadyGeek
Sun Apr 12, 2015 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2479

Re: How should I name my home Wi-Fi network?

I just bought a new Wi-Fi router and I'm thinking about what to name my network. Perhaps, but the first thing you should do is change is the router's login password from the factory default. If you want to be creative, which will attract attention to your network: funny ssid name - Google Search Up...
by LadyGeek
Sun Apr 12, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4464

Re: Which 3 year old hybrid: Camry or Prius

This thread is now in the Personal Consumer Issues forum (car choice).
by LadyGeek
Sun Apr 12, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Which 3 year old hybrid: Camry or Prius
Replies: 36
Views: 2687
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