Search found 22483 matches

by LadyGeek
Sat Aug 18, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for Long Term Savings?
Replies: 7
Views: 433

Re: 529 for Long Term Savings?

fourwheelcycle wrote:
Sat Aug 18, 2018 8:56 am
Edit - See below - I got this calculation totally wrong! The thread should be removed.
We all make mistakes (including me). Let's call it a learning experience, as the thread should remain open. Perhaps others can learn from this.
by LadyGeek
Sat Aug 18, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Cash in Investments to pay off mortgage?
Replies: 4
Views: 348

Re: Cash in Investments to pay off mortgage?

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

The wiki has some background info: Paying down loans versus investing
by LadyGeek
Sat Aug 18, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 28
Views: 3032

Re: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]

From another perspective, do you want the added complexity of managing two 401(k) plans? You'll need logins for each account, not to mention the tax forms. Also, consider that you are no longer an employee. If this is a small company, is there any risk they could lose track of your records, or anyth...
by LadyGeek
Fri Aug 17, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 73
Views: 2799

Re: physics/math major looking for programmer/analyst job?

Hi, My nephew graduated a year ago from stony brook university with a 3.3 gpa with a double major in applied math and physics. He quickly came to realize there are very few job prospects within his areas of study and spent the last year learning how to code (java, python, sql). He's obtained a numb...
by LadyGeek
Fri Aug 17, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Converting existing potfolio to 3 funds - novice [help with 401(k) choices]
Replies: 28
Views: 3032

Re: Converting existing potfolio to 3 funds - novice

^^^ In order to give appropriate advice, it's best to keep all the information in one spot. I moved your post back into the original thread so we can see the rest of your portfolio. Additionally, members who post in this thread will have a new post show up in Your posts . If they've helped you befor...
by LadyGeek
Fri Aug 17, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5555

Re: Terminating an employee with company car

This thread is now in the Personal Finance (Not Investing) forum (employment issue).
by LadyGeek
Fri Aug 17, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate?
Replies: 62
Views: 4554

Re: Why the Yale Endowment Hate?

^^^ You're welcome. To answer another poster's query, I guess my bottomline question is: is this a good portfolio, should I tweak it, or change it entirely to something like a 3 fund portfolio? Our "standard" recommendation would be to go with the Three-fund portfolio . Since this is a tax-deferred ...
by LadyGeek
Thu Aug 16, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15320

Re: "Open Social Security" calculator: feature requests, bug reports, etc

LadyGeek, I believe I have fixed the issues you raised. Relatedly, I also made it so that the message about the ex-spouse's filing date now is an error message. (That is, by default there's no message there now. But the message now shows up as an error message if they leave the field blank.) I repe...
by LadyGeek
Thu Aug 16, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: NYU makes tuition free for all medical students
Replies: 2
Views: 983

Re: WSJ: NYU makes tuition free for all medical students

Upon further review, this thread will remain locked. By direction of the site owners, 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
Thu Aug 16, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate?
Replies: 62
Views: 4554

Re: Why the Yale Endowment Hate?

mbenoit116, Welcome! Here are some helpful posts. I'm a 29 year old investor with some knowledge of index investing. In my Roth IRA, I have the following allocation, which is the Yale Endowment model with a small-cap value tilt: Total Market 35.0% Real Estate 20.0% Small Cap Value 10.0% Internationa...
by LadyGeek
Thu Aug 16, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investing VA Disability Benefits vs Maxing out 401K
Replies: 3
Views: 794

Re: Investing VA Disability Benefits vs Maxing out 401K

gstrickland86, Welcome! This thread is from 2015 (3 years ago).

May I suggest you start a new 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 right direction.
by LadyGeek
Thu Aug 16, 2018 7:01 pm
Forum: Forum Issues and Administration
Topic: Multi Quote
Replies: 6
Views: 551

Re: Multi Quote

Hit the "Post Reply" button. The post edit window opens with the rest of the thread appearing below it in reverse time order. Scroll down to the post you want and hit the "Quote" button. The quote appears at the cursor location. You can also quote part of post (if there are no quotes within the text...
by LadyGeek
Thu Aug 16, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8238

Re: Any Boglehead powerlifters?

One item I learned over the years with a sore or pulled back: it is usually the result of weak abs. What abdominal exercises are recommended for those with lower back pain? I have avoided abs thinking it is what makes my back sore but that could be all wrong. You're thinking that back pain is cause...
by LadyGeek
Wed Aug 15, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: 401k excess contribution/highly compensated employee
Replies: 18
Views: 2535

Re: 401k excess contribution/highly compensated employee

New member bellavia has a question which I've moved into a new thread. See: [Highly Compensated Employee - 401(k) refund]
by LadyGeek
Wed Aug 15, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15320

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Edited to add: just for reference, that message isn't an error message. It's just a permanent message when "divorced" is selected, so that the user knows that the input can't just be skipped (as one might be inclined to try if they don't have such information available), and to give some ideas abou...
by LadyGeek
Wed Aug 15, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15320

Re: "Open Social Security" calculator: feature requests, bug reports, etc

^^^ Not from switching status, but from a clean start. From a new private browser window (clean browser cache): First choose Marital status "Divorced". Change nothing else except: Month in which your ex-spouse filed (or will file) for his/her retirement benefit: 5 - 1991 I only see this single line ...
by LadyGeek
Wed Aug 15, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15320

Re: "Open Social Security" calculator: feature requests, bug reports, etc

When selecting status as divorced*, "Your Ex-spouse's Information" retirement benefit date presents two conflicting choices. Month in which your ex-spouse filed (or will file) for his/her retirement benefit: (end of line) Month in which your spouse filed for his/her retirement benefit: [Month drop-d...
by LadyGeek
Wed Aug 15, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 341
Views: 55757

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater - Let's keep all the CR-V engine issues in one spot. I merged your two threads into here. (You've also posted the same info at the end of this thread. 4th post up from here.)
by LadyGeek
Wed Aug 15, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 53
Views: 3612

Re: Bullish/bearish on GE? Make your case here - new lows today

I removed an off-topic interchange which was derailing the thread. 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...
by LadyGeek
Wed Aug 15, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement guidance for 38 yr old in Silicon Valley CA
Replies: 13
Views: 2145

Re: Retirement guidance for 38 yr old in Silicon Valley CA

I removed an off-topic post. 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. For our experienced members: Please Do Not Bite the New...
by LadyGeek
Wed Aug 15, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement guidance for 38 yr old in Silicon Valley CA
Replies: 13
Views: 2145

Re: Retirement guidance for 38 yr old in Silicon Valley CA

county80, Welcome! In order to give appropriate advice, it's best to keep all the information in one spot. You had two duplicate posts, which I've removed. The replies have been merged into this thread.

If you have any questions, ask them here.
by LadyGeek
Wed Aug 15, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3007

Re: Best consumer products - made in USA

Sorry about that. It's locked now.
by LadyGeek
Wed Aug 15, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 12
Views: 1419

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

^^^ Yes, There is an existing thread here: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets , which is intended as general discussion of the article. However, the OP is asking what to do with his own portfolio. NeedsHelp!, Welcome! Did we answer your questions? (To get ou...
by LadyGeek
Wed Aug 15, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1736

Re: Mark Cuban bullish on Netflix and Amazon

I removed an off-topic post and several replies. 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.
This thread has run its course and is locked (derailed).
by LadyGeek
Wed Aug 15, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2015

Re: Are merchants more (too) careless these days?

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
Wed Aug 15, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Magic Formula Results
Replies: 20
Views: 1875

Re: Magic Formula Results

I removed an off-topic post and several replies. 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 mann...
by LadyGeek
Wed Aug 15, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3007

Re: Best consumer products - made in USA

This thread has run its course and is locked (not productive). 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 ...
by LadyGeek
Tue Aug 14, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 6983

Re: Retire in Florida or Alabama?

With regards to some previous comments, rants about state taxes (or the political process) are off-topic. Please state your concerns in a civil, factual manner.
by LadyGeek
Tue Aug 14, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 6983

Re: Retire in Florida or Alabama?

This thread is now in the Personal Consumer Issues forum (where to live). The OP has cast a wider net and is also looking for suggestions outside the US here: As an American, where are some great places in the world to retire? As for taxes, the wiki has some background info: State income taxes - Dow...
by LadyGeek
Tue Aug 14, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7541

Re: Vanguard loses its soul with new website

^^^ Jumping to the top of a new page can do that. Here it is again. (You raise some valid points, but the post belongs in this thread.) Vanguard’s previous website design reflected the values of “Vanguarding” whereas the new Vanguard website design offers soulless minimalism. “Vanguarding” means: 1)...
by LadyGeek
Tue Aug 14, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 91
Views: 7810

Re: As an American, where are some great places in the world to retire?

Colorado29 - You have a separate thread for your parents here: Retire in Florida or Alabama? Are you still considering this option? In addition to the legal issues of citizenship / visa, consider that living outside of the US will change their tax status in a big way. See: Taxation as a US person li...
by LadyGeek
Tue Aug 14, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7541

Re: [New Vanguard website layout starting Saturday, August 11]

BoglePaul, Welcome! I merged your post into the on-going discussion.
by LadyGeek
Tue Aug 14, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1761

Re: What is the best way to determine if one should buy something or save their money?

This thread has run its course and is locked (topic exhausted, no added value to continue). 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, div...
by LadyGeek
Mon Aug 13, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1761

Re: What is the best way to determine if one should buy something or save their money?

This thread is now in the Personal Consumer Issues forum (how you spend your money and your time).

Shadetreeinprocess, Welcome!
by LadyGeek
Mon Aug 13, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to business 401k Question
Replies: 4
Views: 290

Re: Contribution to business 401k Question

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

Codyo32, Welcome!
by LadyGeek
Mon Aug 13, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 239
Views: 19714

Re: "Don't Obsess About Expense Ratios"

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
Mon Aug 13, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 6983

Re: Retire in Florida or Alabama?

I removed several off-topic posts related to a social group. Please stay on-topic to help the OP.

I also removed an off-topic comment. As a reminder, see: General Etiquette
At all times we must conduct ourselves in a respectful manner to other posters.
by LadyGeek
Mon Aug 13, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9791

Re: Few weeks into new job recieved significantly better offer elsewhere

One other thought - be very careful to read the "fine print" when you get the offer in writing. This is going through a head hunter. Be sure there is no condition on the term of employment. IOW, do you need to remain employed for a certain amount of time? This potential new employer is paying someon...
by LadyGeek
Mon Aug 13, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 58
Views: 4570

Re: Marriage [How should finances be handled?]

This thread is now in the Personal Finance (Not Investing) forum (finances). Congrats! :beer First things first. Do not change any paperwork until after the marriage. Investments are one part of Financial planning . Are one or both of you both working? Marriage is a qualifying event when it comes to...
by LadyGeek
Mon Aug 13, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 6979

Re: Mid 30s Crisis: Personal budget, savings and goals

I removed several off-topic posts. 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 po...
by LadyGeek
Mon Aug 13, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9740

Re: AAPL, AMZN, or GOOG?

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
Mon Aug 13, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: If USPS runs at a loss, how can Junk mail subsidize First Class?
Replies: 6
Views: 1036

Re: If USPS runs at a loss, how can Junk mail subsidize First Class?

This thread has run its course and is locked (not a consumer issue, not actionable). See: Personal Consumer Issues This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Acceptable topics include: - consumer goods and services (e...
by LadyGeek
Mon Aug 13, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: SD Cards for Cameras: How many MB/S?
Replies: 8
Views: 475

Re: SD Cards for Cameras: How many MB/S?

This thread is now in the Personal Consumer Issues forum (SD card).
by LadyGeek
Mon Aug 13, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 180
Views: 15320

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Thank you for this. It has become clear (via posts here as well as emails) that most people don't click over to the "about" page (even in some cases if they have questions about how the calculator works). I've considered renaming the navigation link to "FAQ" (and reworking that page so it's in an F...
by LadyGeek
Sun Aug 12, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 204
Views: 18694

Re: Vanguard to offer non-Vanguard ETFs commission-free

saver9029, Welcome! I moved your post into the on-going discussion.
by LadyGeek
Sun Aug 12, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7541

Re: [New Vanguard website layout starting Saturday, August 11]

MFInvestor wrote:
Sun Aug 12, 2018 5:19 pm
It is difficult to comprehend how a company can initiate these changes over a weekend when they are closed.
Software changes are always done on weekends or after business hours. If anything goes wrong, the impact is minimal.
by LadyGeek
Sun Aug 12, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2044

Re: reliable online public forum

The question is too vague for a clear answer. There's no point to continue. This thread has run its course and is locked (topic exhausted). 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. Occasio...