Search found 15256 matches

by LadyGeek
Sat Feb 06, 2016 8:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking for a CFO
Replies: 6
Views: 1124

Re: Vanguard looking for a CFO

I merged FreeAtLast's post into here.

bs010101 wrote:They manage $3 trillion and don't have a CFO? How is that possible?

They have a Chief Investment Officer (CIO): Our management team (Tim Buckley)
by LadyGeek
Sat Feb 06, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 52
Views: 2167

Re: Impact of Obamacare on investment decisions

Dear mule--glad to help clarify, apologize for any abbreviations. A learning curve for all of us. MAGI is modified adjusted gross income, roughly equivalent to Adjusted Gross Income (AGI) for most people. ACA refers to Affordable Care Act ("Obamacare").if you go to HealthCare.gov (the Fed...
by LadyGeek
Sat Feb 06, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259240

Re: Mango prepaid card - 4.8% (effective) APY

Good point, but my question was which form to use. You are correct, as the IRS says to use 1099-INT for bank income. From 1099-INT Box 1. Interest Income : Enter interest not included in box 3. Include amounts of $10 or more, whether or not designated as interest, that are paid or credited to the pe...
by LadyGeek
Sat Feb 06, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259240

Re: Mango prepaid card - 4.8% (effective) APY

I received my 1099-INT for the 'old' Mango MasterCard today via snail mail. It was from Rev Worldwide. To my surprise, they did not count the $20 bonus from when I setup direct deposit - just my normal interest. I would think the $20 bonus should be counted as income, not interest. The 1099-INT is ...
by LadyGeek
Sat Feb 06, 2016 1:18 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 250
Views: 29743

Re: Forum software upgrade bug reports and change requests

When I create a new post (via reply, quote, or new topic) the focus does NOT land on the input area, so when I start typing nothing happens until I hit the space bar which seems to be a hot-key that causes the screen to jump around and do who-know-what-else. I can reproduce your problem on 2 differ...
by LadyGeek
Sat Feb 06, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae / Navient payoff date doesn't agree with my math
Replies: 9
Views: 507

Re: Sallie Mae / Navient payoff date doesn't agree with my math

I want to be sure that the same terminology is used when describing interest rates. Two very common terms are: APR - Annualized Percentage Rate is the periodic rate (N) derived from a yearly rate. APY - Annualized Percentage Yield is the compounded rate for 1 year, derived from the periodic rate (N)...
by LadyGeek
Sat Feb 06, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 52
Views: 2167

Re: Impact of Obamacare on investment decisions

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

NauticalRounder, Welcome!
by LadyGeek
Sat Feb 06, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae / Navient payoff date doesn't agree with my math
Replies: 9
Views: 507

Re: Sallie Mae / Navient payoff date doesn't agree with my math

rheitz1 - Welcome! I'm very happy to see someone using "R" to solve a time value of money problem. I replicated your results in RStudio . Like Grogs, I used NPER() and got similar results. I would agree with the others that something is missing. =================== For new investors: Any f...
by LadyGeek
Fri Feb 05, 2016 11:43 pm
Forum: Investing - Theory, News & General
Topic: Boglehead mentality re todays oil price
Replies: 15
Views: 1118

Re: Boglehead mentality re todays oil price

Please stay on-topic, which is the investing aspects of oil price.

A related thread: It sure looks like a good time to invest in oil
by LadyGeek
Fri Feb 05, 2016 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: I Lost My FInancial Brain - Please Help
Replies: 44
Views: 4250

Re: I Lost My FInancial Brain - Please Help

^^^ Here's the link: Asset location strategies for taxes are OK; but not great Caution: Don't let the tax tail wag the investment dog. Translation: Taxes come second to getting your asset allocation right. See the wiki: Tax-efficient fund placement and pay attention to the info boxes at the top of t...
by LadyGeek
Fri Feb 05, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: How do the very wealthy buy vehicles?
Replies: 4
Views: 959

Re: How do the very wealthy buy vehicles?

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
Fri Feb 05, 2016 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest your DAF? [Donor Advised Fund]
Replies: 15
Views: 856

Re: How do you invest your DAF? [Donor Advised Fund]

I retitled the thread to help with the acronym. See: Donor advised fund
by LadyGeek
Fri Feb 05, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: Educational summer camps in technology for teens
Replies: 8
Views: 358

Re: Educational summer camps in technology for teens

This thread is now in the Personal Consumer Issues forum (camp).
by LadyGeek
Fri Feb 05, 2016 9:24 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 459
Views: 93913

Re: Rick Ferri looking to internationalize his portfolio

The wiki has an example for the US market: Callan periodic table of investment returns

However, follow one of the forum posts (under "External links") to: 2015 Asset Class Returns - international and EM are included.
by LadyGeek
Fri Feb 05, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: Could Vanguards fees quadruple?
Replies: 3
Views: 927

Re: Could Vanguards fees quadruple?

This thread has run its course and is locked (not actionable). As lack_ey notes, this situation is discussed in Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds] The replies here have addressed the question. The previous discussion was locke...
by LadyGeek
Fri Feb 05, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Help
Replies: 4
Views: 343

Re: 401k Help

This thread is now in the Investing - Help with Personal Investments forum (portfolio help).

MMVV88 - Welcome!
by LadyGeek
Fri Feb 05, 2016 9:08 pm
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 41
Views: 3607

Re: Warning on Amazon Subscribe & Save

This thread is now in the Personal Consumer Issues forum (Amazon subscriptions).
by LadyGeek
Fri Feb 05, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: McNabb on Bloomberg at 7:30 today
Replies: 2
Views: 261

Re: McNabb on Bloomberg at 7:30 today

This thread is now in the Investing - Theory, News & General forum (news).
by LadyGeek
Fri Feb 05, 2016 12:04 am
Forum: Investing - Help with Personal Investments
Topic: [Am I getting a bad deal from my financial planner?]
Replies: 58
Views: 3892

Re: [Am I getting a bad deal from my financial planner?]

I retitled the thread. Please be aware that we maintain a "family-friendly" environment. If you want to retitle the thread further, just edit the Subject: link in Post #1. Is this person a Financial planner or an Investment adviser ? It's important to understand the difference. Have you do...
by LadyGeek
Thu Feb 04, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: Don’t Be Hacker Bait
Replies: 12
Views: 1889

Re: Don’t Be Hacker Bait

This thread is now in the Personal Consumer Issues forum (computer security).
by LadyGeek
Thu Feb 04, 2016 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Series 6 [Preparing for FINRA Series 6 exam]
Replies: 1
Views: 174

Re: Series 6 [Preparing for FINRA Series 6 exam]

This thread is now in the Personal Finance (Not Investing) forum (career guidance). I also retitled the thread.

Here's some background info: Series 6 - Investment Company and Variable Contracts Products Representative Examination (IR)
by LadyGeek
Thu Feb 04, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax rate on IRA withdrawal when on Social Security
Replies: 26
Views: 1703

Re: Tax rate on IRA withdrawal when on Social Security

This thread is now in the Personal Finance (Not Investing) forum (taxes). Hi, I'm a newbie here. Is there a specific forum for tax questions? If so can I move this there? Welcome! You can't move this thread, but I can. If anyone needs administrative help, report the post using the "!" in t...
by LadyGeek
Thu Feb 04, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: SEC proposed regulations can affect index funds
Replies: 21
Views: 1129

Re: SEC proposed regulations can affect index funds

I merged carofe's thread into here. The software sorts post by time, Taylor Larimore was first.

An earlier thread: SEC Proposes Liquidity Management Rules For Mutual Funds
by LadyGeek
Wed Feb 03, 2016 11:15 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 104
Views: 9892

Re: How important is an international allocation?

I see your point, it might just be a difference in perspective. If you want to continue the discussion further, PM me.
by LadyGeek
Wed Feb 03, 2016 11:04 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 104
Views: 9892

Re: How important is an international allocation?

My allocations follow a lazy portfolio as modeled by the Vanguard Target Retirement funds.

See the wiki: Approximating Vanguard target date funds

I'm currently following the Vanguard Target Retirement 2020 Fund (VTWNX), which has 23.1% international stock and 12.1 % international bond.
by LadyGeek
Wed Feb 03, 2016 10:50 pm
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 104
Views: 9892

Re: How important is an international allocation?

^^^ That would be my job. :wink:

Real estate discussions should be in a different thread.
by LadyGeek
Wed Feb 03, 2016 10:21 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1366
Views: 689772

Re: The Three-Fund Portfolio

^^^ Barry Barnitz is a wiki adminstrator (one of the founders, actually - Bogleheads® wiki history ) and is maintaining the "unofficial" Bogleheads blog. Our "official" blog was discontinued after a 6 month run. Here's the announcement: The Blog has Moved! A link to his blog is o...
by LadyGeek
Wed Feb 03, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30169

Re: Vanguard TurboTax - Not Available 2015?

I removed an off-topic comment and follow-up post (from a different member). As a reminder, see: General Etiquette

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.
by LadyGeek
Tue Feb 02, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do Tax Return or not for college graduate ?
Replies: 18
Views: 1219

Re: Do Tax Return or not for college graduate ?

Daughter must file. Filing Requirement for under 65 is $6300 for anyone who can be claimed as a dependent. Best source of info is IRS Publication 17, available online at irs.gov. Here's the link: Publication 17 (2015), Your Federal Income Tax , the links in this section will define precisely what's...
by LadyGeek
Tue Feb 02, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: Cost of home addition? Should I do it?
Replies: 44
Views: 2905

Re: Cost of home addition? Should I do it?

I went from a small cape cod with bedrooms in a finished attic to a full-up 2-story house. We added a sun-room and broke down one exterior wall to add to the dining area. Our square footage literally doubled. Would I do this again? Yes. This was done through what's known as a "tear-off" - ...
by LadyGeek
Tue Feb 02, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6338

Re: What age did you retire

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

Be sure to "register" in VictoriaF's Roll Call for the Retirement Class of 2016!.
by LadyGeek
Tue Feb 02, 2016 10:03 pm
Forum: Forum Issues and Administration
Topic: Ban Symbols [Ticker symbols in topic title]
Replies: 16
Views: 975

Re: Ban Symbols [Ticker symbols in topic title]

^^^ That's not an option. Many new investors don't understand what those symbols mean. This discussion is no longer productive. This thread has run its course and is locked (topic exhausted, no added value to continue). See: Locked Topics Moderators or site admins may lock a topic (set it so no more...
by LadyGeek
Tue Feb 02, 2016 9:18 pm
Forum: Investing - Theory, News & General
Topic: Collective thoughts [investing mini-reference]
Replies: 43
Views: 121170

Re: Collective thoughts [investing mini-reference]

SeeMoe, let me try to explain. This forum covers a wide range of investing experience. From the very basic "I have no idea what any of this means" to the most experienced "I eat this stuff for lunch" level. Covering everyone in one fell swoop is not possible. This discussion is a...
by LadyGeek
Tue Feb 02, 2016 8:30 pm
Forum: Forum Issues and Administration
Topic: Ban Symbols [Ticker symbols in topic title]
Replies: 16
Views: 975

Re: Ban Symbols [Ticker symbols in topic title]

As Phineas J. Whoopee states, it's not possible to force someone to spell out the acronyms. I will occasionally retitle a member's thread to spell out the ticker symbol, but it is indeed time consuming. All we can do is request that ticker symbols be spelled out in the title. To change the thread ti...
by LadyGeek
Tue Feb 02, 2016 8:25 pm
Forum: Forum Issues and Administration
Topic: Ban Symbols [Ticker symbols in topic title]
Replies: 16
Views: 975

Re: Ban Symbols [Ticker symbols in topic title]

This thread is now in the Forum Issues and Administration forum (ticker symbols). I retitled the thread.

I also removed a post containing an acronym that was not "family friendly".
by LadyGeek
Tue Feb 02, 2016 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 2349

Re: Silent Investor Owed Lots of Money

The OP is describing a situation with his Father-In-Law, but is not getting involved. Since nothing will be done, the discussion is hypothetical (not actionable) and can have no clear resolution. Based on past experience, the discussion cannot be productive and will soon devolve into contentious dis...
by LadyGeek
Tue Feb 02, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Heads Up Phone Scam [U.S. Treasury Phone Scam]
Replies: 1
Views: 407

Re: Heads Up Phone Scam [U.S. Treasury Phone Scam]

I retitled the thread.

Unless there's something highly unusual going on, scams are off-topic. See: Standard Phishing/Scam Threads are now Off-Topic

(Thread locked.)
by LadyGeek
Tue Feb 02, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 83
Views: 5768

Re: EJones Advisor wants to talk!

The points have been made, there's no need to keep piling on.
by LadyGeek
Mon Feb 01, 2016 9:29 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15637

Re: Unwinding day old terrible car deal for mother-in-law

Is this a 2016 CRV? Let me throw a curve ball in this decision. If you want unbiased opinions on a car, the owner's forums are a good place to look. All 2015 CR-V's and possibly the 2016 have a vibration problem. Here's a discussion from the CR-V owner's forum: 2016 CRV Vibration issue - is it fixed...
by LadyGeek
Mon Feb 01, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: Redeeming I-bonds after 12 months
Replies: 4
Views: 674

Re: Redeeming i-bonds after 12 months

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

The wiki has some background info: I savings bonds
by LadyGeek
Mon Feb 01, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Made in Germany
Replies: 12
Views: 1259

Re: Made in Germany

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 Feb 01, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads and Interested in Your Advice
Replies: 13
Views: 1700

Re: New to Bogleheads and Interested in Your Advice

FYI - New member gksaw is requesting help with his / her portfolio. I moved the post into a new thread: New to Bogleheads [Looking for advice]
by LadyGeek
Mon Feb 01, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads [Looking for advice]
Replies: 3
Views: 228

Re: New to Bogleheads [Looking for advice]

gksaw, this question needs to be in a new post. I notified a moderator to move it so it will probably get moved sometime today to it's own thread. I assume you'll be notified. Welcome! The moderator has been notified (which would be me :happy ). I moved your post into a new thread (here) so we can ...
by LadyGeek
Mon Feb 01, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: which one is the best antivirus internet security
Replies: 11
Views: 1036

Re: which one is the best antivirus internet security

This thread is now in the Personal Consumer Issues forum (antivirus).

Hi Looking,

Did your laptop come with Windows 10 installed? It already has a built-in antivirus: Get Started with Windows 10
by LadyGeek
Mon Feb 01, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: How do ETFs work?
Replies: 53
Views: 2507

Re: How do ETFs work?

I removed an off-topic comment and reply. As a reminder, see: General Etiquette 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. Also, please focus on answering the OP's question. The 2008 financial...
by LadyGeek
Mon Feb 01, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15637

Re: Unwinding day old terrible car deal for mother-in-law

The thread is starting to get derailed. Let's slow down and wait for the OP to report back on what transpired today.
by LadyGeek
Mon Feb 01, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 1601

Re: Dual-military couple relocating to Vilseck, Germany :)

^^^ If you are a US citizen: Taxation as a US person living abroad

Caution: I don't know if there are different rules for US military stationed overseas.

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