Search found 25466 matches

by LadyGeek
Mon Jun 24, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mercer 2020 Retirement Plan Limit Projections
Replies: 2
Views: 363

Re: Mercer 2020 Retirement Plan Limit Projections

To be clear, those limits are based on existing legislation that ties the annual limits to a cost-of-living adjustment. See: COLA Increases for Dollar Limitations on Benefits and Contributions The tax law places limits on the dollar amount of contributions to retirement plans and IRAs and the amount...
by LadyGeek
Mon Jun 24, 2019 8:33 pm
Forum: Personal Investments
Topic: Approximating VTWAX with my employer's 401k fund selections
Replies: 15
Views: 770

Re: Approximating VTWAX with my employer's 401k fund selections

So, if you had VTSAX (total US) and VTIAX (total ex-US), you would choose 55% VTSAX and 45% VTIAX. You don't have these, but you have components of both. Lets start with VTSAX. Take a look at this page on the WIKI: https://www.bogleheads.org/wiki/Approximating_total_stock_market VTSAX can be approx...
by LadyGeek
Mon Jun 24, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1297
Views: 131603

Re: [What TV Show Have You Recently Watched?]

^^^ In case it's not clear, my original comment was for the final season of Dexter. I think you'll be missing out by skipping the series entirely. I seem to remember there was "enough" content to consider the series done after Season 7. ============= I'm now up to Season 3 of Bosch and fully intend ...
by LadyGeek
Mon Jun 24, 2019 8:04 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

With no further opinions, Laura's post and the wiki have been updated. - Forum post: Asking Portfolio Questions - Wiki: Asking portfolio questions - Bogleheads The template on the wiki page can be used to create a forum post. I have added a link at the bottom of the forum post which points to the wi...
by LadyGeek
Mon Jun 24, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: Effect of trading fees imposed on all stocks and bonds
Replies: 9
Views: 601

Re: Effect of trading fees imposed on all stocks and bonds

In today's news: Bernie Sanders wants to make Wall Street pay off the US's $1.6 trillion in student debt , June 24, 2019. To explain further, this forum is focused on investing that is directly actionable to personal investors. We don't hold debates on conjecture. The whole point of the policy is to...
by LadyGeek
Mon Jun 24, 2019 3:45 pm
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2075

Re: I am rejecting from reading a post

We have some control of the software, which is working as the developers intended. If you have a question regarding the forum software (phpBB), then please read the FAQ which is located that the top left menu of every forum page. I have customized the FAQ to explain two messages. (Forum Software Mes...
by LadyGeek
Mon Jun 24, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Belt sander or disc sander for refinishing decks?
Replies: 25
Views: 1695

Re: Belt sander or disc sander for refinishing decks?

Summit111 has a question which I've moved into a new thread: [Replaced decking with treated pine. What to use for coating?]

I also moved one reply.
by LadyGeek
Sun Jun 23, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1749

Re: Career advice

I confirm avsh21 received permission from the moderators before posting with this account. See: Usernames (accounts), second paragraph.

This thread is now in the Personal Finance (Not Investing) forum (career advice).
by LadyGeek
Sun Jun 23, 2019 8:45 pm
Forum: US Chapters
Topic: Local Chapter census
Replies: 10
Views: 865

Re: Local Chapter census

The wiki has a list of "Master threads" which readers can consult for meeting info: Bogleheads® local chapters I added the Master Thread - Central NJ Bogleheads to the wiki. If anyone wants their chapter's "Master Thread" listed in the wiki, let me know. Or, post your request in the Suggestions for ...
by LadyGeek
Sun Jun 23, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4341

Re: Do you Casino? What do you play? Have you won?

This thread has run its course and is locked (gambling does not fit within the intent of this forum). See this post by the site owner: Consumer Forum Reopened The former Consumer and Recreation subforum has been reopened as the Personal Consumer Issues forum. The forum guidelines (shown below) have...
by LadyGeek
Sun Jun 23, 2019 4:26 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 33
Views: 1345

Re: [ETF vs. Mutual Fund questions]

Hi looking,

I have merged your account question into here. As I've stated earlier, please post all of your investment questions in this thread.
by LadyGeek
Sun Jun 23, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 43
Views: 7720

Re: depleting accounts in retirement

matthewmatt - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your update back into the 2017 original thread.
by LadyGeek
Sun Jun 23, 2019 2:16 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

I have updated the wiki page with retiredjg's key points. User:LadyGeek/Asking portfolio questions

Are there any further comments?
by LadyGeek
Sun Jun 23, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: For the wiki: HSA as an emergency fund
Replies: 22
Views: 2054

Re: For the wiki: HSA as an emergency fund

For medical expenses, the debit card would work. If you needed cash (as an emergency fund - not medical), I would stay as far away as possible from using an HSA debit card. They are designed for medical expenses only. Anything other than that will trigger a bunch of "non-qualified" expense reporting...
by LadyGeek
Sun Jun 23, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 43
Views: 3476

Re: Chase Credit Card - Binding arbitration opt-out?

I merged cresive's thread into the on-going discussion.
by LadyGeek
Sun Jun 23, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: For the wiki: HSA as an emergency fund
Replies: 22
Views: 2054

Re: For the wiki: HSA as an emergency fund

I have added LinusP's text to the wiki, but swapped out the IRS Publication 502 reference for Publication 969. I also added a section for the FAFSA® application. See: Emergency fund (Health savings account as an emergency fund) Be sure to read the footnotes. How's it look? The wiki is a collaborativ...
by LadyGeek
Sun Jun 23, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a 401(K) plan
Replies: 293
Views: 62706

Re: Setting up a 401(K) plan

Sure. Can you provide some specific wording and references? I don't have the experience to update the article myself. See: Setting up a 401(k) plan How about: the current benchmark of $30 per eligible employee per year (plan administrators typically have a minimum yearly fee) for record keeping and...
by LadyGeek
Sun Jun 23, 2019 9:51 am
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

BV3273 - You had a duplicate post which I've removed. I merged the reply into this thread.
by LadyGeek
Sun Jun 23, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168485

Re: What Movie Have You Recently Watched?

I am Mother , on Netflix. A 2019 sci-fi drama thriller (PG-14). I watched this movie based on a recommendation from my favorite security podcast, Security Now! (Episode #719). So much for the hype. The movie did indeed have some suspense and it kept me interested until the end. However, I was disap...
by LadyGeek
Sun Jun 23, 2019 8:51 am
Forum: Non-US Investing
Topic: Online broker in Germany - recommendations needed!
Replies: 3
Views: 193

Re: Online broker in Germany - recommendations needed!

Welcome / Willkommen! This is an English language board. If there is a difficulty with English, than please ask in English first and repeat your expression in German. I do not have the experience to answer your question except that I can reference the wiki: EU investing Also see: Investing from Germ...
by LadyGeek
Sun Jun 23, 2019 8:21 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 16
Views: 1435

Re: Bitcoin Talk

I wrote a very long follow up post to Plz, answering 3 questions which unfortunately got deleted as offtopic. I did not save a copy of the post. Sorry to hear your more thorough reply was deleted. I am not tech savvy but maybe it is possible for moderators to recover deleted posts and we can ask pr...
by LadyGeek
Sun Jun 23, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 16
Views: 1435

Re: Bitcoin Talk

This is a "no politics" forum. I removed an off-topic comment. As a reminder, see: Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: Common religious expressi...
by LadyGeek
Sat Jun 22, 2019 6:24 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Here is retiredjg's suggestion added as the second Key Point. Would this work? Show us your current portfolio including all investment and retirement accounts (yourself and spouse or civil partner, if applicable) as it's important to look at the portfolio as a unified whole rather than look at accou...
by LadyGeek
Sat Jun 22, 2019 4:21 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Would this work? I have added text at the end of the last paragraph. From: Show us your current portfolio including all investment and retirement accounts (yourself and spouse or civil partner, if applicable) as it's important to look at the portfolio as a unified whole rather than look at accounts ...
by LadyGeek
Sat Jun 22, 2019 1:33 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Hi all, I would like to kindly request that you revisit the gendered pronoun language present in the template. I do personally find it offensive. It is 2019: my marriage license used the terms “Spouse A” and “Spouse B” and so many bathrooms in my city are now gender neutral. I don’t see why we need...
by LadyGeek
Sat Jun 22, 2019 1:26 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

I like the new expense ratios. :) Maybe the tickers should look more real? Yep, it wouldn't hurt to have them end in the letter X and be 5 letters long. FLUNX SHOLX' VJUPX VENUX I have revised the wiki page: User:LadyGeek/Asking portfolio questions (Key Points) * Please make sure that percentages a...
by LadyGeek
Sat Jun 22, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Ever been a Ponzi scheme or fraud victim? Other signs?
Replies: 11
Views: 1248

Re: Ever been a Ponzi scheme or fraud victim? Other signs?

I removed an off-topic post regarding a specific religious group subject to Ponzi schemes. This thread has run its course and is locked (not actionable, 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 n...
by LadyGeek
Sat Jun 22, 2019 10:12 am
Forum: Personal Investments
Topic: Fidelity Balanced Fund
Replies: 20
Views: 1814

Re: Fidelity Balanced Fund

This thread is now in the Personal Investments forum (portfolio help). As Sandtrap notes, please post your family member's portfolio in this thread using the Asking Portfolio Questions format. It will make you think about the "big picture" while giving us the information we need to point you in the ...
by LadyGeek
Fri Jun 21, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Their Mistake But We Pay a Sizable 401K Termination Fee?
Replies: 7
Views: 1785

Re: Their Mistake But We Pay a Sizable 401K Termination Fee?

Has the mistake been corrected? The Employee Benefits Security Administration (under DOL) is responsible for enforcing 401(k) plan compliance under the Employee Retirement Income Security Act (ERISA) . They provide several Correction Programs to help plan providers ensure ERISA compliance. The botto...
by LadyGeek
Fri Jun 21, 2019 8:26 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

That will work. The wiki has been updated as you've suggested: User:LadyGeek/Asking portfolio questions (Key Points) BTW, our sister Canadian forum has a version of this template. See: My Portfolio: Seeking Advice - Financial Wisdom Forum Disclaimer: I'm a member of both forums. The Canadian thread ...
by LadyGeek
Fri Jun 21, 2019 7:53 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

I'll wait a short while to see if anyone has any objections.

:arrow: To new investors (this means you). Please review my post 4 up from here (and the follow-up correction). How's it look?
by LadyGeek
Fri Jun 21, 2019 7:43 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

No, the examples should match the template. Remember that we're teaching by example (literally) and investors will follow them verbatim. I have added ticker symbols and expense ratios. To avoid favoritism, I set the expense ratios to 0.0%. * Please make sure that percentages add up to 100% across al...
by LadyGeek
Fri Jun 21, 2019 7:29 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

^^^ I'm good with images and can make this work (including to match the image's background color to the post). My concern is that readers who attempt to copy the post won't be able to copy the table. I fully agree - plain old type with just the "suggested way" is best. You forgot tax brackets. :happ...
by LadyGeek
Fri Jun 21, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 9826

Re: Permanent DINK couples - Considerations, thoughts, etc?

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 replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of ...
by LadyGeek
Fri Jun 21, 2019 8:41 am
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

^^^ I'm opposed to any examples because it increases the complexity and is not mandatory. (But please try to take a cut at doing it...)
by LadyGeek
Fri Jun 21, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 9826

Re: Permanent DINK couples - Considerations, thoughts, etc?

I removed an off-topic post. 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 other posters....
by LadyGeek
Fri Jun 21, 2019 7:58 am
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

I have incorporated retiredjg's and megabad's suggestions, but not livesoft's examples. The implication is that percentage totals are mandatory, they are not. Additionally, I think the revised wording is more clear with what's needed. The next pass from: User:LadyGeek/Asking portfolio questions Emer...
by LadyGeek
Fri Jun 21, 2019 7:00 am
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Another reason for removing the AGI is that it goes against these instructions - which say that we don't care how much money you have. We do not need to know your name or the amount of money you have invested or anything else that will identify you.... Please provide a hint as to the size of your cu...
by LadyGeek
Fri Jun 21, 2019 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Behaviour once the game is won
Replies: 18
Views: 3103

Re: Behaviour once the game is won

This thread is now in the Personal Finance (Not Investing) forum (behavioral finance).
by LadyGeek
Thu Jun 20, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: How do I download Spotify to a USB stick to play music in car?
Replies: 10
Views: 1261

Re: How do I download Spotify to a USB stick to play music in car?

Bitzer wrote:
Thu Jun 20, 2019 9:12 pm
May I respectfully suggest that the premise of my question was that DRM removal is illegal? What I was asking was for legal alternatives to DRM removal.
Sorry, I wasn't clear. Your premise is fine, I was referring to posts which have been removed.
by LadyGeek
Thu Jun 20, 2019 9:34 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

I would also encourage readers to search the new investor threads in the Personal Investments forum (this one) to get an idea of how closely this template is actually followed. My guess is that full adherence to the format is far less than one would expect. I don't have any problems with this, as in...
by LadyGeek
Thu Jun 20, 2019 9:25 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

If the concern is about "exact AGI", using "approximate AGI" would be fine. FiveK had previously updated the draft wiki page with proposed wording. I further simplified the wording and think I have a very simple way to highlight the text suggested by megabad. See: User:LadyGeek/Asking portfolio que...
by LadyGeek
Thu Jun 20, 2019 8:47 pm
Forum: Personal Investments
Topic: What should be my next investing move?
Replies: 7
Views: 1033

Re: What should be my next investing move?

This thread is now in the Personal Investments forum (portfolio help).
by LadyGeek
Thu Jun 20, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

I merged Moneybags1's thread into the on-going discussion. The combined thread is now in the Investing - Theory, News & General forum (news).
by LadyGeek
Thu Jun 20, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Hong Kong
Replies: 14
Views: 824

Re: Where to stay in Hong Kong

This thread is now in the Personal Consumer Issues forum (Hong Kong).
by LadyGeek
Thu Jun 20, 2019 7:49 pm
Forum: Non-US Investing
Topic: Indian withdrawing from Roth IRA- tax
Replies: 21
Views: 2434

Re: Indian withdrawing from Roth IRA- tax

New member odyssey has a question which I have moved to a new thread. See: [Moving back to India from US - What US income is not taxed?]
by LadyGeek
Thu Jun 20, 2019 7:43 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

It might not conform to the template, but I would call it a "best effort". Consider that converting your portfolio dollars to percentages is a lot of work and can be challenging for new investors. They may also not understand how to do this. Don't let the template hold you back from posting. The poi...
by LadyGeek
Thu Jun 20, 2019 7:34 pm
Forum: Personal Investments
Topic: Portfolio Review Needed for Near Retiree.
Replies: 8
Views: 1008

Re: Portfolio Review Needed for Near Retiree.

binger, Welcome! Age: 60 (wife: 61) Desired AA: 80/20 What does this mean? 80% stocks and 20% bonds is far too aggressive for people your age (with some exceptions - are you really one of them?). But if you mean 20% stock and 80% bonds, that could be too conservative unless you actually want to be v...
by LadyGeek
Thu Jun 20, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: How do I download Spotify to a USB stick to play music in car?
Replies: 10
Views: 1261

Re: How do I download Spotify to a USB stick to play music in car?

Discussions of dishonest behavior or bypassing the law is totally unacceptable. Several posts suggesting how to bypass DRM (Digital Rights Management) have been removed.

Update: See clarification below.