Search found 22187 matches

by LadyGeek
Sun Jul 15, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 8976

Re: When does frugal cross the line to cheapskate?

This thread has run its course and is locked (below acceptable threshold). See: Personal Consumer Issues 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-spi...
by LadyGeek
Sun Jul 15, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: turnover rate impact on return
Replies: 10
Views: 420

Re: turnover rate impact on return

This thread is now in the Investing - Theory, News & General forum (theory).
by LadyGeek
Sun Jul 15, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 41
Views: 2301

Re: Tell me what's wrong with my strategy

This thread is now in the Investing - Help with Personal Investments forum (portfolio help). While researching and auditioning the likes of Fidelity, Vanguard, etc, I've also been toying with managing my portfolio myself. I should add that I do want to maximize growth wherever possible. So I had a b...
by LadyGeek
Sun Jul 15, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 51
Views: 2792

Re: FireCalc: How big a grain of salt?

Will do good wrote:
Sun Jul 15, 2018 8:35 pm
OMY and you will be fine, if still fearful than another OMY. OMY. OMY. OMY. OMY.

To be honest, if BH could be in trouble by not having enough, imagine what the rest of the country/world would be like. YOLO :sharebeer
Acronym help:

OMY - One More Year
YOLO - You Only Live Once
by LadyGeek
Sun Jul 15, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Perpetual Withdrawal Rate
Replies: 6
Views: 683

Re: Perpetual Withdrawal Rate

This thread is now in the Personal Finance (Not Investing) forum (retirement planning). Jim Otar's paper is in this thread: Perpetual Withdrawal Rates , May 28, 2011. Also see: Computing a Safe Withdrawal Rate (SWR) concisely , Feb 05, 2018, by siamond (see previous post) You can also do a forum sea...
by LadyGeek
Sun Jul 15, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 89
Views: 7544

Re: What rate of return are you using for retirement projections?

Thank you. Is there a way to quantify the drag of these risks? In particular, the sequence of returns. 1210 Portfolio drag can be quantified in terms of Variance drain (volatility drag), but that's not what you're asking. I found this deep-dive article: Understanding Sequence Of Return Risk & Safe ...
by LadyGeek
Sun Jul 15, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 936

Re: need help pls

^^^ What he said.

If you get stuck on something, don't wait until the end of the week. Ask for help here as soon as you need it. We'll be able to answer your questions and let you know what's important.
by LadyGeek
Sun Jul 15, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 936

Re: need help pls

^^^ What 22twain and retiredjg said. Let's step back and take a slow approach. The best way to learn is to try and write everything down for yourself. (I use a spreadsheet, but whatever is easy for you.) See: Investment policy statement and do what it says. Since you're just starting out, skip to th...
by LadyGeek
Sun Jul 15, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 51
Views: 2792

Re: FireCalc: How big a grain of salt?

This thread is now in the Personal Finance (Not Investing) forum (retirement planning).
by LadyGeek
Sun Jul 15, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 89
Views: 7544

Re: What rate of return are you using for retirement projections?

Variability of return - A statistical measure of how much your return varies over the period of time. See the wiki: Variation of returns Sequence of return risk - Over the long term, the market return will rise over time. However, it doesn't do that in a straight line. Over a short period of time, t...
by LadyGeek
Sun Jul 15, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 936

Re: need help pls

^^^ Just remember that you don't need to understand everything at once. Take your time, relax. If you have any questions on what you're reading, ask them here. right now I dont have 401k but my previous job I had 401k around 7k which is jsut setting there, my current employer doesnt have retirement ...
by LadyGeek
Sun Jul 15, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 936

Re: need help pls

Welcome! Relax, we will help you. For investing, this is a good place to start: Getting started However, you should only start to invest when you have your "other" personal finances in good shape. Follow this checklist: Financial planning To say this in another way: - Do you have any debt, such as m...
by LadyGeek
Sun Jul 15, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 175
Views: 28682

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

^^^ I merged MFInvestor's post into the on-going discussion.
by LadyGeek
Sun Jul 15, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Property tax + deductions
Replies: 6
Views: 804

Re: Property tax + deductions

This thread is now in the Personal Finance (Not Investing) forum (taxes).
by LadyGeek
Sun Jul 15, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2695

Re: Retiring in early 2019.

I merged Streamer's thread into the first one.

Even easier, report the post using the "!" in the top-right corner of the post. One of the reasons is "Duplicate thread". (Thanks to the member who did just that.)
by LadyGeek
Sun Jul 15, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8224

Re: Amazon won't sell this book to me.

This thread has run its course (derailed, general rant). See: Personal Consumer Issues 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 a much lower t...
by LadyGeek
Sun Jul 15, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: [How do I transfer money from Vanguard New York Municipal Money Market Fund?]
Replies: 14
Views: 586

Re: [How do I transfer money from Vanguard New York Municipal Money Market Fund?]

Do you have another account for accessing funds in the case of a true "emergency", meaning you need the money immediately? From your post, it doesn't sound like this is the case.

See the wiki: Emergency fund

If you have any questions, just ask. We'll help you figure it out.
by LadyGeek
Sat Jul 14, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: [How do I transfer money from Vanguard New York Municipal Money Market Fund?]
Replies: 14
Views: 586

Re: [How do I transfer money from Vanguard New York Municipal Money Market Fund?]

... 2. There should be no taxes due as a result of selling the money market. Barring catastrophic circumstances, money market funds will always keep a $1.00 per share value so there should not be any capital gains or losses. In theory, yes. In practice, the value does fluctuate. Take a look at the ...
by LadyGeek
Sat Jul 14, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: [How do I transfer money from Vanguard New York Municipal Money Market Fund?]
Replies: 14
Views: 586

Re: [How do I transfer money from Vanguard New York Municipal Money Market Fund?]

This thread is now in the Investing - Theory, News & General forum (general question). I also retitled the thread. You get taxed on the difference between what you paid for the fund and what you sold it for. The technical term is called a Capital gains distribution . Is this fund inside a retirement...
by LadyGeek
Sat Jul 14, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Alignment Guidance
Replies: 7
Views: 499

Re: Parking CASH & Raising interest rate?

RIMDBogle, Welcome! In order to give appropriate advice, it's best to keep all the info in one spot. I merged your posts into here, which is in the Investing - Help with Personal Investments forum. For more comprehensive suggestions, you might want to edit your original post to a comparative list of...
by LadyGeek
Sat Jul 14, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6407

Re: Dave Ramsey made me laugh today

This thread has run its course and is locked (other people). See: 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, political, tax, health care and climate policies co...
by LadyGeek
Sat Jul 14, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

A search of this thread for an exact match of "Bogleheads on Investing" shows only Rick Ferri's post three up from here. There are a few matches to "Bogleheads investing", but will leave that decision to Mel and Rick. Tip: The top of every forum thread, just under the thread's title, has a search b...
by LadyGeek
Sat Jul 14, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 8469

Re: Using Vanguard’s advisors

^^^ It's in the wiki: Vanguard Portfolio Watch, the last thread under "External links".
by LadyGeek
Fri Jul 13, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96092

Re: Pull-ups and Push-ups

Taking advantage of an opportunity to be near a sporting goods store (Dick's), I found 3 brands available to try in-person. Trying the weights in-person made all the difference. They had PowerBlocks, Bowflex, and Core Blocks (?). The PowerBlocks were a good design, but I couldn't deal with the 5 lb ...
by LadyGeek
Fri Jul 13, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

LadyGeek, Here is my thinking on the difference between “Invest Like a Boglehead” and “Investing With the Bogleheads” The first highlights “how” to invest, the second highlights “who” are a guests on the program and their thoughts about investing. If I were to choose between the two as the host, I’...
by LadyGeek
Fri Jul 13, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

As a reminder, please keep your suggestions appropriate with a "family-friendly" environment. Not just for language, but subject matter. I removed two posts which were above this threshold. (In case anyone thinks I'm gaming the system, all removed posts are visible to the moderators. Mel Lindauer i...
by LadyGeek
Fri Jul 13, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

How about “Investing with the Bogleheads” After all, the show is mainly about investing, and the guests are either admitted Bogleheads, closet Bogleheads, or friends of the Bogleheads. Yes? No? No. I honestly believe your first suggestion is best. The active form as "Invest Like a Boglehead" is exp...
by LadyGeek
Fri Jul 13, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

"Invest Like a Boglehead" - Immediately tells you it's about investing. How? Like a Boglehead. What's it about? Listen to the podcast. I think having "Invest" first is important, as it will probably rank higher in a search engine. "Meet the Bogleheads" - Doesn't say much and sounds like a one shot ...
by LadyGeek
Fri Jul 13, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103240

Re: To take or not to take delivery of Tesla 3

This thread has run its course and is locked (derailed, contentious, rehashing the same points, rants on Elon Musk, no added value to continue). See: 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. Oc...
by LadyGeek
Fri Jul 13, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

This series puts the word “invest” first for the benefit of search engine: Invest With the Bogleheads Invest Like a Boglehead Invest Bogleheads Style Another idea: Meet the Bogleheads "Invest Like a Boglehead" - Immediately tells you it's about investing. How? Like a Boglehead. What's it about? Lis...
by LadyGeek
Thu Jul 12, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

^^^ Excellent point.
by LadyGeek
Thu Jul 12, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96092

Re: Pull-ups and Push-ups

Thanks for the suggestion. I recommend a careful review before deciding on this product. There are competitors, such as Bowflex; each has its own tradeoffs. Consider if you really need a full stack for what you're doing. I found a youtube video showing actual use: Bowflex vs PowerBlocks Dumbbells Ul...
by LadyGeek
Thu Jul 12, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

Can I get some comments on these simple ideas: - The Bogleheads Show - The Bogleheads Podcast - Boglehead Talk - Anything with "Show" sounds like Entertainment Tonight. Nothing would grab my attention, nothing that says "investing". - "Podcast" as part of the title is redundant. You know it's a pod...
by LadyGeek
Thu Jul 12, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

Talking Bogleheads - Investing advice inspired by Jack Bogle Simple, direct and short. Another reason for "Talking Bogleheads" is to have a consistent theme for everything. Product marketing at its finest. Talking heads ... Talking Bobbleheads... Talking Bogleheads. "Investing advice inspired by Ja...
by LadyGeek
Thu Jul 12, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5278

Re: Anyone take naps at work?

This thread has run its course and is locked (derailed, contentious). See: 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 overt violations of posting policy, a topi...
by LadyGeek
Thu Jul 12, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9876

Re: COMING SOON: BOGLEHEADS PODCASTS

The best Podcast name is the ones people remember. Often something with a bite, an edge. We’re also looking across demographics to expand our reach. Stated first by Angst here , I think "Talking Bogleheads" just nails it. Now, I can't get this song out of my head: Once in a Lifetime , by... the Tal...
by LadyGeek
Thu Jul 12, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103240

Re: To take or not to take delivery of Tesla 3

This thread is now reopened to continue the discussion.
by LadyGeek
Thu Jul 12, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3552

Re: Auto Tariffs: time to buy?

I removed several off topic posts. This thread has run its course and is locked (derailed, rants about the tariff).
by LadyGeek
Wed Jul 11, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96092

Re: Pull-ups and Push-ups

After my last workout, I wasn't going to failure on my set of 20 body squats (x3 circuits). It seemed too easy. Since I have my gallon sand-filled milk jug (13 lbs), I just added it to my workout. I don't quite go to failure, but it made a big difference in the effort. Also, holding the weight close...
by LadyGeek
Wed Jul 11, 2018 7:10 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 596

Re: Forum is logging me out again

Do you have more than one browser window open, perhaps one "normal" window and one for private browsing? Your browser has a set of cookies for each mode (normal and private).
by LadyGeek
Wed Jul 11, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2508

Re: How to plan for health insurance at a young age?

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

The discussion is getting derailed. Please stay focused on helping the OP, which is:
AlphaPilot wrote:
Wed Jul 11, 2018 11:16 am
With all of this, is there any general number I should be using for say 15 to 20 years from now?
by LadyGeek
Wed Jul 11, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103240

Re: To take or not to take delivery of Tesla 3

Nate79 wrote:
Wed Jul 11, 2018 4:05 pm
Only positive opinions are welcome in this thread as has been very clear with certain Tesla trolls.
No, please see this post: Re: To take or not to take delivery of Tesla 3

This thread is locked for a 24 hour cooling-off period.

Update: See below.
by LadyGeek
Tue Jul 10, 2018 10:19 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 112
Views: 13534

Re: Improving the Bogleheads forum

Administrators: My suggestion is to make it easier for new investors to post on the Bogleheads Forum. If you go to www.bogleheads.org, there are no instructions on how to post. The only weak clue is a link: "view subform list." I suggest adding: "To post and view subform list." Best wishes. Taylor ...
by LadyGeek
Tue Jul 10, 2018 10:11 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 112
Views: 13534

Re: Improving the Bogleheads forum

I was going to suggest a poster use the Asking Portfolio Questions format for their question, but I had a heck of a time FINDING the link...trying Google, and search of the website. It's not called out prominently in the Wiki, etc. This link: https://www.bogleheads.org/forum/viewtopic.php?t=6212 .....
by LadyGeek
Tue Jul 10, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 2910

Re: Management at Megacorp

This thread is now in the Personal Finance (Not Investing) forum (career guidance).
by LadyGeek
Tue Jul 10, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5039

Re: Home ownership vs investing -- condos vs renting, etc

This thread is now in the Investing - Theory, News & General forum (general question).

The wiki has some background info: Paying down loans versus investing
by LadyGeek
Tue Jul 10, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 4699

Re: [Considering the Vanguard LifeStrategy Fund]

Welcome! I retitled the thread for clarity.

The wiki has some background info: Vanguard LifeStrategy Funds

Also: Vanguard funds: life strategy funds vs target retirement funds

FYI - If you want to change the thread title further, just edit the Subject: line in Post #1.
by LadyGeek
Tue Jul 10, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5039

Re: Home ownership vs investing -- condos vs renting, etc

I removed a number of off-topic posts, continuity is lost. As a reminder, see: General Etiquette This is a moderated forum. 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. Discussions are about iss...