Search found 17031 matches

by LadyGeek
Mon Sep 26, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 38
Views: 2068

Re: Vanguard QCD Checks [Qualified Charitable Distributions]

1210sda wrote:how can you tell if the organization is qualified to receive QCD's? (A church? or a Food Bank?)

The IRS has an online tool that will tell you. See: EO Select Check

The link is in the wiki: Charity selection links
by LadyGeek
Mon Sep 26, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 390
Views: 42803

Re: TIPS - Did you give up?

InvestorAdam's question is very similar to this on-going discussion, so I moved the thread into here.
by LadyGeek
Mon Sep 26, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [withholding vs. estimated payments]
Replies: 15
Views: 819

Re: Taxes [withholding vs. estimated payments]

I retitled the thread. Here's some basic IRS guidance, but a lot of good answers have already been given: Tax Withholding

You can change your W-4 as many times as you need during the year.
by LadyGeek
Mon Sep 26, 2016 5:56 pm
Forum: Investing - Theory, News & General
Topic: [How does one exercise] Private company stock options
Replies: 7
Views: 503

Re: [How does one exercise] Private company stock options

This thread is now in the Investing - Theory, News & General forum (general question). I also retitled the thread.
by LadyGeek
Mon Sep 26, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Were these microwave oven potentially harmful?
Replies: 7
Views: 830

Re: Were these microwave oven potentially harmful?

This thread has run its course and is locked (conjecture on the effects of nonionizing radiation on the human body - medical advice). I also removed a post attempting to explain non-ionizing radiation in general terms and a post suggesting an experiment. Please return the microwave if anything appe...
by LadyGeek
Sun Sep 25, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3439

Re: Can adult child gift money back to parent?

I don't see how it's illegal so long as the money wasn't obtained by theft or crime. What law says you cannot break up the amount of a desired deposit over a particular timeframe. Say I sell my car for $20,000 cash. What law says I cannot deposit it in 4 increments of $5,000 each? You may not see w...
by LadyGeek
Sun Sep 25, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3439

Re: Can adult child gift money back to parent?

I removed an off-topic analogy regarding a politician found guilty of a crime and prosecuted for financial structuring. Please avoid further analogies. I want to be clear on gifting . For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable. The intent is to u...
by LadyGeek
Sun Sep 25, 2016 6:55 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 123
Views: 16914

Re: [Vanguard Core Bond Fund opens to investors]

I'm looking at the holdings again as I write this. "United States Inflation Indexed Bonds" coupon rate 0.125% maturity date 4/15/17 face amount $22,000,000 market value $23,316,156. That's what it says for the top holding in CBOBX. I use Vanguards App on my iPad and iPhone. If I am not un...
by LadyGeek
Sun Sep 25, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Extreme Maximization of College Financial Aid
Replies: 88
Views: 4429

Re: Extreme Maximization of College Financial Aid

I removed several off-topic comments and replies which were derailing the discussion. 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. ...At all times we must c...
by LadyGeek
Sun Sep 25, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Recently found inheritance and how to proceed?
Replies: 16
Views: 2539

Re: Recently found inheritance and how to proceed?

This thread is now in the Personal Finance (Not Investing) (cost basis). My Dad had AT&T stock a few years ago, so I've gone through this before. Use this site to help figure out the value at time of death: Investor Relations | AT&T If your SO's (Significant Other) grandfather died some time...
by LadyGeek
Sun Sep 25, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Have a unique situation - how to execute Three-Fund Portfolio properly?
Replies: 6
Views: 723

Re: Have a unique situation - how to execute Three-Fund Portfolio properly?

The OP is not a US resident (Bermuda) and will not be permitted to own US funds with Vanguard. Search this forum to find that Vanguard will not accept accounts unless you can provide a US address. From Vanguard: Special notice to non-U.S. investors Each of the investment products and services referr...
by LadyGeek
Sun Sep 25, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: foreigner - closing 401k : what tax? [France]
Replies: 4
Views: 369

Re: foreigner - closing 401k : what tax? [France]

Welcome! I retitled your thread to attract the attention of our France experts. I can not answer your questions, but can instead provide references to US information: - There is a tax treaty between the US and France: Tax Treaty Documents - Publication 519, U.S. Tax Guide for Aliens Please do not cl...
by LadyGeek
Sun Sep 25, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 123
Views: 16914

Re: [Vanguard Core Bond Fund opens to investors]

When in doubt, go to the source. Vanguard doesn't put this level of detail in the personal investor site, you need to use the "financial advisor" site. Vanguard: Core Bond Fund Admiral Shares (VCOBX) --> Composition --> Holding details Morningstar is here: Vanguard Core Bond Fund Admiral S...
by LadyGeek
Sun Sep 25, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 29
Views: 1995

Re: Contribution to satisfy RMD

The wiki has some background info: Qualified charitable distributions
by LadyGeek
Sun Sep 25, 2016 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: How much is free lifetime healthcare worth? [Start business in US or Canada?]
Replies: 22
Views: 1856

Re: How much is free lifetime healthcare worth?

Healthcare is only one of many things you should consider when starting a cross-border business. As a US citizen, the tax rules get very complicated. This is just the tip of the iceberg: Tax Information For International Businesses Consider that you'll need to file in both countries. Canada's perspe...
by LadyGeek
Sun Sep 25, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Do you have a "his car" and "her car" in your household?
Replies: 8
Views: 1062

Re: Do you have a "his car" and "her car" in your household?

This thread has run its course and is locked (not productive, below forum 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, divisi...
by LadyGeek
Sun Sep 25, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much is free lifetime healthcare worth?
Replies: 2
Views: 546

Re: How much is free lifetime healthcare worth?

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
Sun Sep 25, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: TSP - Surviving spouse should probably move out of the TSP
Replies: 15
Views: 1409

Re: TSP - Surviving spouse should probably move out of the TSP

This thread is now in the wiki: TSP estate planning ("External links") Is there anything that needs to be revised as a result of this discussion? Some more information on the protection of your IRA: - From the WSJ: http://www.wsj.com/articles/SB124181801239401917 - From a Supreme Court Rul...
by LadyGeek
Sun Sep 25, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Have a unique situation - how to execute Three-Fund Portfolio properly?
Replies: 6
Views: 723

Re: Have a unique situation - how to execute Three-Fund Portfolio properly?

Welcome! The best advice comes from your home country. May I suggest you post this same question at our sister Canadian site: Financial Wisdom Forum ? You'll get expert advice. They have an excellent wiki: Cross-border and expatriate issues - finiki, the Canadian financial wiki Also see: Simple inde...
by LadyGeek
Sun Sep 25, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Expat: Losing job and moving back to US
Replies: 10
Views: 1486

Re: Expat: Losing job and moving back to US

Welcome! What country was your international assignment in? Did you have any investments in that country (funds domiciled in that country)? As for living location, search the Personal Consumer Issues forum. You'll find a lot of similar discussions. Jump on one that looks interesting, or start a new ...
by LadyGeek
Sat Sep 24, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo 3rd Party Authorization and Indemnity
Replies: 11
Views: 725

Re: Wells Fargo 3rd Party Authorization and Indemnity

Your father's CPA will know about taxes, but has a conflict of interest to keep your father's business. The only commonality between taxes and investing is that they both use numbers. You do pay taxes, but that's a result of investing - not the other way around. You don't need to be the expert here....
by LadyGeek
Sat Sep 24, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: TSP - Surviving spouse should probably move out of the TSP
Replies: 15
Views: 1409

Re: TSP - Surviving spouse should probably move out of the TSP

^^^Thanks. The article is from 2013. To be sure, I went to the source. - Your TSP Account, A Guide for Beneficiary Participants (9/2015) (page 18 in PDF reader) - Thrift Savings Plan Death Benefits (August 6, 2014) - Important Tax Information About Thrift Savings Plan Death Benefit Payments , TSP-58...
by LadyGeek
Sat Sep 24, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3439

Re: Can adult child gift money back to parent?

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

Here's the IRS's take on the matter: Frequently Asked Questions on Gift Taxes
by LadyGeek
Sat Sep 24, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: 100 Things Not Worth a Penny
Replies: 32
Views: 2455

Re: 100 Things Not Worth a Penny

This thread has run its course and is locked (divisive). 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-spirited posts or ...
by LadyGeek
Sat Sep 24, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement fund with new Vanguard system question
Replies: 4
Views: 749

Re: Settlement fund with new Vanguard system question

When I transferred my former employer's 401(k) into my traditional IRA, the money sat in the settlement fund for 7 calendar days until it became available. That info is somewhere on the website, I just can't find it right now. Once the money is available, all you need to do is "buy" funds ...
by LadyGeek
Sat Sep 24, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4590

Re: [500 million Yahoo accounts hacked, what should you do?]

^^^ I also use thunderbird for email. I think you're missing the point that email sits on the server until it's read.

Yes, it's deleted off the server when thunderbird grabs it. Until then, it's on the server.
by LadyGeek
Sat Sep 24, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: I want to remotely open a US bank account as a Non Resident Alien. Which banks can facilitate this?
Replies: 10
Views: 872

Re: I want to remotely open a US bank account as a Non Resident Alien. Which banks can facilitate this?

aqan wrote:
Guardyourheart wrote:Wells Fargo might be able to help

may be they already have helped him.. he just doesn't know yet :D

The OP may not understand these comments (it is a joke). See: ["Wells Fargo Fined for Years of Harm to Customers"]
by LadyGeek
Sat Sep 24, 2016 1:04 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on how couples resolve conflicts on kid's college education
Replies: 4
Views: 953

Re: Reporter doing story on how couples resolve conflicts on kid's college education

For further clarification, please don't post any info here. Information published on the internet can be connected to info posted in the forum.
by LadyGeek
Sat Sep 24, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo 3rd Party Authorization and Indemnity
Replies: 11
Views: 725

Re: Wells Fargo 3rd Party Authorization and Indemnity

Some further thoughts - I might suggest calling the financial advisor and ask if he suggested your Dad do this. He can also explain what this form does in great detail. Then, take that info to the attorney and deep-dive into what's going on. Here's another perspective. This is not what you asked, bu...
by LadyGeek
Sat Sep 24, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 37
Views: 3394

Re: Bad Supervisor - Involve Union?

I removed an off-topic rant regarding employment in the public vs. private sector, along with a follow-up reply. As a reminder, see: General Etiquette

Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable.
by LadyGeek
Sat Sep 24, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Head in the sand too long...just getting started...
Replies: 50
Views: 7229

Re: Head in the sand too long...just getting started...

There are 2 considerations at play here which you won't find in any financial equations - 1) The emotional side of investing - Getting rid of debt while you can now will lift a huge burden off your shoulders. No debt, no worries. 2) No one can predict the future. Payoff your loans now while you hav...
by LadyGeek
Fri Sep 23, 2016 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio in taxable account opinions ??
Replies: 2
Views: 453

Re: Portfolio in taxable account opinions ??

This thread is now in the Investing - Help with Personal Investments forum (portfolio help). I don't think you've got enough information for us to work with. Could you please post your portfolio info in this thread using the Asking Portfolio Questions format? It will help you think about the "b...
by LadyGeek
Fri Sep 23, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo 3rd Party Authorization and Indemnity
Replies: 11
Views: 725

Re: Wells Fargo 3rd Party Authorization and Indemnity

The only state of importance is your Dad's (Florida), as it's his money and he lives there as a resident of Florida. The advisor has no legal bearing whatsoever here. Let me explain: The advisor is a middle-man who is making investment decisions on behalf of your Dad (let's leave out the reality of ...
by LadyGeek
Fri Sep 23, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1859
Views: 453627

Re: What Book Are You Currently Reading? Part VI

Amber Magic, by B. V. Larson. This is book 1 of 6 in the sci-fi fantasy Haven series. Not great, but readable. meh.
by LadyGeek
Fri Sep 23, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo 3rd Party Authorization and Indemnity
Replies: 11
Views: 725

Re: Wells Fargo 3rd Party Authorization and Indemnity

This thread is now in the Personal Finance (Not Investing) forum (estate planning). I think I found it: Third Party Authorization and Indemnity I am not a lawyer but... this appears to be what's known as an Agent Authorization. What's that? Your Dad is trusting you to act on his behalf for his inves...
by LadyGeek
Fri Sep 23, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4590

Re: [500 million Yahoo accounts hacked, what should you do?]

Thanks, I didn't know you could disable the security questions. They're disabled now. (I had changed my password earlier.)
by LadyGeek
Fri Sep 23, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4590

Re: [500 million Yahoo accounts hacked, what should you do?]

I merged boater07's thread into here. The combined thread is in the Personal Consumer Issues forum (computer security).

As I noted on the first page, Bogleheads who use the Local chapters on Yahoo Groups should change their passwords.
by LadyGeek
Fri Sep 23, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 21175

Re: Evicting a tenant-Hire lawyer?

This thread has run its course and is locked (topic exhausted, derailed to discuss legal aspects not related to personal finance). 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, ev...
by LadyGeek
Fri Sep 23, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 16
Views: 1638

Re: New Garage Doors

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

Galvanized steel and R-12 insulation? That's quite an impressive garage door. Is your garage heated and need solid protection for security?

Have you looked online to do some price comparisons?
by LadyGeek
Fri Sep 23, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Head in the sand too long...just getting started...
Replies: 50
Views: 7229

Re: Head in the sand too long...just getting started...

There are 2 considerations at play here which you won't find in any financial equations - 1) The emotional side of investing - Getting rid of debt while you can now will lift a huge burden off your shoulders. No debt, no worries. 2) No one can predict the future. Payoff your loans now while you have...
by LadyGeek
Thu Sep 22, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4590

Re: Yahoo says hackers stole info in 500 million user accounts

Bogleheads members who post in Local chapters on Yahoo Groups should change their passwords.
by LadyGeek
Thu Sep 22, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 82
Views: 5434

Re: "Women and Investing" class offered by Employer

Women participate in 401(k)s at lower rates than men do, and when they do participate, they tend to contribute less. From my experience with ERISA audits, I also noted that women are more likely to choose a default "conservative" or "very conservative" risk and end up with a rid...
by LadyGeek
Thu Sep 22, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 37
Views: 3394

Re: Bad Supervisor - Involve Union?

This thread is back in the Personal Finance (Not Investing) forum (career guidance).
by LadyGeek
Thu Sep 22, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: The pick-pocket crew is alive and well in the Hermitage!
Replies: 5
Views: 1154

Re: The pick-pocket crew is alive and well in the Hermitage!

This thread has run its course and is locked (general rant, going nowhere). See: Personal Consumer Issues

Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums.

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