Search found 22454 matches

by LadyGeek
Tue Aug 14, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 72
Views: 4340

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: 72
Views: 4340

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: 106
Views: 6299

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: 38
Views: 2422

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: 106
Views: 6299

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: 1632

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: 1632

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: 271

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: 209
Views: 17259

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: 72
Views: 4340

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: 9608

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: 55
Views: 3866

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: 35
Views: 6366

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: 9648

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: 1002

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: 455

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: 166
Views: 14339

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: 195
Views: 17316

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: 106
Views: 6299

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: 1986

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...
by LadyGeek
Sun Aug 12, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement for Younger Folks - Withdraw rates
Replies: 3
Views: 1261

Re: Retirement for Younger Folks - Withdraw rates

This thread is now in the Personal Finance (Not Investing) forum (retirement planning).
by LadyGeek
Sun Aug 12, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2315

Re: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]

^^^ Translation: Please post your portfolio info 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 right direction. I see that you have already asked several questions, but you'll get...
by LadyGeek
Sun Aug 12, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2315

Re: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]

VTI or VT for our boys UTMA accounts? We do not have 3000.00 for the mutual funds :(. Thank you 😊 Could you please edit title to put in the two fund symbols/names? Otherwise, you may have a lot of people not even opening your thread, not knowing if it would be comparing two types of cars, BBQ grill...
by LadyGeek
Sun Aug 12, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 200
Views: 10171

Re: Larry Swedroe: Valuations Too High?

I removed an off-topic comment and reply. 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 ...
by LadyGeek
Sun Aug 12, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6299

Re: New Vanguard website layout

They seem to forget that many people like using PCs for financial access. I won't point any fingers at Vanguard for that, this seems to be the trend everywhere. For example, lately when I access Delta's web site with my desktop PC, I get the mobile site, which does not render properly on the PC des...
by LadyGeek
Sat Aug 11, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6299

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

I wasn't annoyed as much when I checked the balances over time. Apparently, they don't allow IRR (Internal Rate of Return, a.k.a. "personal rate of return") for anything less than 1 year (YTD). OK, fair enough. I have agent authorization (POA) for my Mom. The last time I tried, I wasn't able to chec...
by LadyGeek
Sat Aug 11, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6299

Re: Anyone noticing Vanguard website changes today Saturday August 11

I merged Paul Romano's and am's threads together. The combined thread is in the Investing - Theory, News & General forum (Vanguard info). I also retitled the thread. Paul Romano - You had a duplicate thread. I removed your duplicate post and merged the replies into here. There's another one over her...
by LadyGeek
Sat Aug 11, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 106
Views: 6299

Re: Anyone noticing Vanguard website changes today Saturday August 11

Paul Romano - You had a duplicate thread. I removed your duplicate post and merged the replies into here.
by LadyGeek
Sat Aug 11, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Arlo Pro Security System (wireless/WiFi)
Replies: 18
Views: 2301

Re: Arlo Pro Security System (wireless/WiFi)

Welcome! Kashoor is asking this same question here: Foscam Security Camera ( wire-free/IP )
by LadyGeek
Sat Aug 11, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2186

Re: Plan for Parental Care in my road to financial independence

I removed an off-topic post regarding immigration status and receiving US benefits. As a reminder, see: General Etiquette At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissens...
by LadyGeek
Sat Aug 11, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1928

Re: Sucking up to make more money?

This thread has run its course and is locked (rant). See: Personal Finance Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed. Also see: A reminder that non-investing general ...
by LadyGeek
Fri Aug 10, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with rollover into IRA and future retirement plans
Replies: 45
Views: 2373

Re: Help with rollover into IRA and future retirement plans

NBKCF - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your update back into your first thread. If you have any questions, ask them here. This isn't a big deal, don't worry about it.
by LadyGeek
Fri Aug 10, 2018 8:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 162
Views: 36037

Re: Master Thread for Philadelphia PA Area Bogleheads Chapter

Bumping for visibility. The Fox & Hound is close to Champps. From Champps, hang a left at the traffic light. Goddard Blvd will dead-end onto Mall Boulevard. Turn right, then an immediate left. The Fox & Hound is immediately to your right in one of the outlier (separate) buildings - it's not in the m...
by LadyGeek
Fri Aug 10, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2576

Re: Used Car Negotiation

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

Also see: My New Car Buying Tips
by LadyGeek
Fri Aug 10, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4462

Re: Should I pay 6000.00 to repair wife's car....

rebellovw - Can you please supply the make and model of the car? Otherwise, there's not much to go on and we can't help you further.
by LadyGeek
Thu Aug 09, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs. Traditional 401k
Replies: 36
Views: 1794

Re: Roth 401k vs. Traditional 401k

wabash_sphinx wrote:
Thu Aug 09, 2018 9:24 pm
Admin - if seen, please move to board regarding personal investments. Sorry about placing on wrong board.
Sure, no problem. This thread is now in the Investing - Help with Personal Investments forum (portfolio help). This isn't a big deal, don't worry about it.
by LadyGeek
Thu Aug 09, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9608

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

...So far this is still smelling fishy. At this point, I'm thinking I'd want A) full time role at client, plus B) 100% fully remote from the start [with the option to come into the office if I choose but not a requirement). Both of these stipulations probably will fail. But it seems I was being tol...
by LadyGeek
Thu Aug 09, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13893

Re: Will you pay for your kids' college/graduate education?

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. Occasionally, even if there are no overt violations of posting policy, a topic (or ...
by LadyGeek
Thu Aug 09, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4368

Re: SocialSecurity.tools updated to include spousal benefits

gregable, thank you. A small thing I discovered. The imported ss data must have dollar signs on all column 2 & 3 data to work. I had a preexisting file of my info dropped to a spreadsheet that for some reason did not have the signs. As soon as I put them in your tool works. Hm, I can't reproduce yo...
by LadyGeek
Thu Aug 09, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 184
Views: 10841

Re: New Vanguard Security Code Requirement

I merged rBogfFor's thread into here.

PCOwner, Welcome! I have also moved your post into the on-going discussion.
by LadyGeek
Thu Aug 09, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a friend/family who you think is making a financial mistake?
Replies: 7
Views: 769

Re: Do you have a friend/family who you think is making a financial mistake?

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
Thu Aug 09, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 13893

Re: Will you pay for your kids' college/graduate education?

The discussion is getting derailed. Please stay on-topic, which is paying for your kids' college education.

The value of receiving a college education is off-topic.
by LadyGeek
Wed Aug 08, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9608

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

^^^ I fully agree. This is your professional reputation at stake here. The size of the company does not matter. Small world, indeed. You may change companies, but your professional reputation stays with you for life. It takes years to build up credibility and you can lose it in a heartbeat. A manage...
by LadyGeek
Wed Aug 08, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 5858

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Caution, Wikipedia is not an authoritative source . Let's go directly to the authoritative source: S&P 500® - S&P Dow Jones Indices and download the factsheet. There are 505 companies in the S&P 500, and they are all based in the US. Incorrect. You have to read the footnotes which refer to companie...
by LadyGeek
Wed Aug 08, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 5858

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Caution, Wikipedia is not an authoritative source.

Let's go directly to the authoritative source: S&P 500® - S&P Dow Jones Indices and download the factsheet. There are 505 companies in the S&P 500, and they are all based in the US.
by LadyGeek
Wed Aug 08, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51936

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

For those concerned about this forum being a corporate Vanguard blog, we follow the man - not the company. All opinions are welcome. For example, the wiki shows how to implement a Three-fund portfolio from 9 different fund providers whose name does not start with "V". Also note we have dedicated art...
by LadyGeek
Wed Aug 08, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 5858

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

For those who want to try historical comparisons themselves, see the wiki: Simba's backtesting spreadsheet