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by LadyGeek
Sun Sep 24, 2017 10:01 pm
Forum: Forum Issues and Administration
Topic: How to make a first post?
Replies: 5
Views: 565

Re: How to make a first post?

The top of every forum page has a link to the forum FAQ , which has been present in the forum software since Day 1. In this version, the FAQ is the 2nd link from the left.

For example: How do I create a new topic or post a reply?
by LadyGeek
Sun Sep 24, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: TENS [Transcutaneous Electrical Nerve Stimulation]
Replies: 2
Views: 335

Re: TENS

I retitled the thread to help with the acronym. This thread has run its course and is locked (medical advice - health benefits of equipment designed to reduce nerve related pain). See: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical inform...
by LadyGeek
Sun Sep 24, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23447

Re: Calling out the not so rich bogleheads

This thread has run its course and is locked (topic exhausted, derailed, getting 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 ...
by LadyGeek
Sun Sep 24, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 33
Views: 1650

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I've got a 2012 AWD CR-V. At the time, front wheel drive versions were simply not available. I seem to remember AWD was cheaper for insurance purposes (?). Instead of handling in the snow, how about handing in the rain? I'd say AWD will help you much better in rain. Remember that you don't drive in ...
by LadyGeek
Sun Sep 24, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 77
Views: 3955

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Please stay focused on helping the OP without specifying the details of your situation. As a reminder, see: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's Use...
by LadyGeek
Sun Sep 24, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Health Insurance
Replies: 2
Views: 226

Re: NYC Health Insurance

Welcome! May I recommend you let someone help you with this decision? I'm talking about an insurance broker . Here's one way to find a broker: Find a NY State of Health Certified Broker | NY State of Health Google might also help. When my parents needed help selecting an insurance plan, I got them a...
by LadyGeek
Sun Sep 24, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2030

Re: The money trail...import vehicle vs domestic.

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 your own s...
by LadyGeek
Sun Sep 24, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 40
Views: 4864

Re: Wiki article - Credit freeze

I just froze my credit at the big three agencies. TransUnion was especially annoying with the hard up-sell to a paid product. They make it intentionally difficult to get to the credit freeze management page. I fixed that by updating the wiki with relevant link. :) A few years ago, I received free cr...
by LadyGeek
Sun Sep 24, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: financial checkup- expecting first baby
Replies: 5
Views: 738

Re: financial checkup- expecting first baby

lobon - FYI - You had a duplicate post, which I've removed. There were no replies.
by LadyGeek
Sun Sep 24, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2946
Views: 865599

Re: What Movie Have You Recently Watched?

Minions, on Netflix. I had my hopes that this animated film would be good. So much for hope. Playing a few popular songs from the '60s does not make it a good movie. I'd skip it.
by LadyGeek
Sat Sep 23, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: cataract surgery: accommodating vs multifocal lens implants
Replies: 15
Views: 874

Re: cataract surgery: accommodating vs multifocal lens implants

This thread has run its course and is locked (medical advice). See: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's User's Guide to Finding and Evaluating Heal...
by LadyGeek
Sat Sep 23, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 11
Views: 1169

Re: a really beginner question [Why are the fund prices different?]

alanine, Welcome! Aside from livesoft's assumption that your username assumes a knowledge in organic chemistry :), did you understand the explanations in the referenced discussions? From: Price on ETF and the Mutual Fund, What? A simple way to explain it, because the quantity of companies stocks und...
by LadyGeek
Sat Sep 23, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: 12-month IRA rollover rule questions
Replies: 11
Views: 1424

Re: 12-month IRA rollover rule questions

New member anhcameron has a similar question which I've moved into a stand-alone thread. See: [IRA withdrawal - rollover rule questions]
by LadyGeek
Sat Sep 23, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 116
Views: 9580

Re: Vanguard 403b Changes

I merged Snuffycuts99's thread into here, the on-going discussion.
by LadyGeek
Fri Sep 22, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5002

Re: $3.6 million at age 25 - need investment advice

^^^ The wiki has some background info: Three-fund portfolio wolf85, Welcome! Let's get this party started. As randomizer says, the first thing you need to do is pick an Asset allocation . First, take take a look at Risk tolerance and decide on the percentage of stocks / bonds you want in your new po...
by LadyGeek
Fri Sep 22, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: [Is company stock part of my 3-fund portfolio?]
Replies: 10
Views: 486

Re: [Is company stock part of my 3-fund portfolio?]

Question - should I include this US stock in the US equity portion of the 3 fund portfolio, keep is separate or a hybrid approach? It's a US stock. While holding it include it in your US equity AA. This is my current approach but it doesn't feel completely right to me. I feel like I'm short changin...
by LadyGeek
Fri Sep 22, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: SS strategy source for couple.
Replies: 3
Views: 508

Re: SS strategy source for couple.

This thread is now in the Personal Finance (Not Investing) forum (Social Security). I fixed the spelling in the thread title - "stratagy" to "strategy".
by LadyGeek
Fri Sep 22, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: [Is company stock part of my 3-fund portfolio?]
Replies: 10
Views: 486

Re: [Is company stock part of my 3-fund portfolio?]

PopMegaphone, Welcome! I moved your post into a stand-alone thread so we can focus on your situation directly. In theory, all of your investments should be considered as a single portfolio. A US stock is part of your US equity allocation. That being said, is the amount of company stock more than 5% ...
by LadyGeek
Fri Sep 22, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1842
Views: 1105014

Re: The Three-Fund Portfolio

New member PopMegaphone has a question which I've moved into a new thread. See: [Is company stock part of my 3-fund portfolio?] FYI - The answers to both HenrysPlan2's and PopMegaphone's questions depend on their individual situations. The posts were moved into individual threads so we can focus on ...
by LadyGeek
Fri Sep 22, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 21
Views: 4792

Re: Why is TransUnion pushing True Identity vs credit freeze?

Those looking to freeze their credit should read this wiki article: Credit freeze

Fees to freeze credit reports vary by state. There are no fees if you are over 65 and live in PA, for example.
by LadyGeek
Fri Sep 22, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1842
Views: 1105014

Re: The Three-Fund Portfolio

HenrysPlan2 has a question on rebalancing his 3-fund portfolio, which I've moved into a stand-alone thread: [How do I rebalance my Three-Fund Portfolio?]
by LadyGeek
Fri Sep 22, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Equifax TrustedId login
Replies: 2
Views: 240

Re: Equifax TrustedId login

This thread is now in the Personal Consumer Issues forum (website).
by LadyGeek
Fri Sep 22, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: What happens if... [trying to understand public debt in the age of fiat currency]
Replies: 6
Views: 765

Re: What happens if... [trying to understand public debt in the age of fiat currency]

This thread has run its course and is locked (not actionable). As a reminder, 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 cl...
by LadyGeek
Fri Sep 22, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 199
Views: 18249

Re: I won the Lottery. Need sound advice.

Several off-topic comments were removed. 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 conduct ourselves in a respectful manner to ot...
by LadyGeek
Thu Sep 21, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 47
Views: 3462

Re: VG wants everyone to transfer to a brokerage account?

^^^ I merged Messy_Orchid_51's thread into here. The combined thread is in the Investing - Theory, News & General forum (general question).
by LadyGeek
Thu Sep 21, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3448

Re: Luxury Car Purchase

Welcome! If a financial advisor is throwing cold water on your idea, there must be a very good reason. Understand why he/she is telling you "No". Purchasing a "want" vs. a "need" can have very strong negative consequences if the money for this purchase is not included in your planning. Plan for the ...
by LadyGeek
Thu Sep 21, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month."
Replies: 17
Views: 3190

Re: "Find out if your fund is declaring a quarterly dividend this month."

fantasytensai - I merged your post into here, which is the on-going discussion.
by LadyGeek
Thu Sep 21, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: Reuters article - Vanguard asks passive investors to pay attention for proxy vote
Replies: 6
Views: 1246

Re: Reuters article - Vanguard asks passive investors to pay attention for proxy vote

A post providing a political comment on one of the proxy vote proposals was removed. This discussion will be permitted for administrative issues related to Vanguard's proxy voting forms only . Discussion on the candidates and proposals are off-topic. See this locked thread: "Vanguard fund sharehold...
by LadyGeek
Wed Sep 20, 2017 8:19 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 1749

Re: Why so many 'negative' responses?

Before members start digging up "example" posts of other members' behaviors, this thread has run its course and is locked. Consider that you (no one specific in mind here) might be an unwilling example... First, if anyone is reacting in an "uncivil" manner to someone, please report the post and let...
by LadyGeek
Wed Sep 20, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6069

Re: Daughter with Autism and Spouse Almost 13 Years Younger

There's an objective way to make your "Should I make the bond fund switch?" question easy to answer. All funds are designed to track an index - there are a LOT of them! For an "apples-to-apples" comparison, all you need to do is look at the index the fund tracks. - Total Return Fund INST | PIMCO tra...
by LadyGeek
Wed Sep 20, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3792

Re: 1st medical bill, already overdue and threaten to send to collection

This thread has run its course and is locked (contentious, derailed).
by LadyGeek
Tue Sep 19, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: Norway now owns 1.3% of the entire global stock market.
Replies: 4
Views: 1541

Re: Norway now owns 1.3% of the entire global stock market.

This thread has run its course and is locked (not actionable). 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 ...
by LadyGeek
Tue Sep 19, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1046

Re: Vanguard for non-resident aliens

The wiki has some background info: Interactive Brokers
by LadyGeek
Tue Sep 19, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1046

Re: Vanguard for non-resident aliens

I removed a few off-topic comments. 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. ...At all times we must conduct ourselves in a r...
by LadyGeek
Tue Sep 19, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 34
Views: 2557

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I have added this update to the wiki. See: Health savings account (Alliant Credit Union (HealthEquity))

After the transition occurs, can someone provide an update for the wiki?

(Thanks to the member who requested this update.)
by LadyGeek
Tue Sep 19, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions Fees [moving from but need new advisor]
Replies: 2
Views: 711

Re: Edward Jones Guided Solutions Fees [moving from but need new advisor]

lalainvest552 is requesting portfolio assistance. The post and replies have been moved into a stand-alone thread. See: [Help with Edward Jones account]
by LadyGeek
Tue Sep 19, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with Edward Jones account]
Replies: 10
Views: 1326

Re: [Help with Edward Jones account]

lalainvest552 - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original. This isn't a big deal, don't worry about it. If you have any questions, ask them here. If you don't understand an answer, please let us know and we'...
by LadyGeek
Tue Sep 19, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2946
Views: 865599

Re: What Movie Have You Recently Watched?

^^^ I don't think so. You had to know what was going on with the last few X-Men movies to understand this follow-up.
by LadyGeek
Tue Sep 19, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1350

Re: Time to buy a used VW Diesel?

I removed a few posts related to the existence (or not) of climate change. The thread will remain locked. See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. Also see: Non-actionable (Trolling) To...
by LadyGeek
Mon Sep 18, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2946
Views: 865599

Re: What Movie Have You Recently Watched?

Logan , $5.99 rental on Amazon prime. I'm not sure what to make of it. After so many X-Men movies, it seems they were trying to stick a fork in it, the series is done. Perhaps it will be restarted with new characters, but I doubt it can ever be the same. The acting and action was good, worth watchi...
by LadyGeek
Mon Sep 18, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3183

Re: How much do you spend on "entertainment"?

This thread is now in the Personal Consumer Issues forum (how you spend your money and your time).
by LadyGeek
Mon Sep 18, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter with Autism and Spouse Almost 13 Years Younger
Replies: 45
Views: 6069

Re: Daughter with Autism and Spouse Almost 13 Years Younger

The wiki will show you how to build a portfolio modeled from a target date retirement fund. See: Approximating Vanguard target date funds

Download the example spreadsheet as a starting point. If you get stuck, let us know and we'll help you figure it out.
by LadyGeek
Mon Sep 18, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 3087

Re: Bond return negative. CD or money market alternative.

WhiteMaxima - Has your question been answered? This is an investing forum whose members eat this stuff for lunch. We'll deep dive into topics simply because it's interesting to do so. You don't need to understand the technical details of this discussion. The point is to make sure you get the help yo...
by LadyGeek
Mon Sep 18, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: My in-laws' nest egg of $50k
Replies: 34
Views: 4214

Re: My in-laws' nest egg of $50k

The wiki has some background info: Reverse mortgages

jeepnjeff, Welcome!