Search found 23252 matches

by LadyGeek
Thu Nov 15, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 1378

Re: Did millennials really get the short straw?

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 Nov 15, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 530

Re: Vanguard Global Credit Bond Fund

Thanks, I missed that.
by LadyGeek
Thu Nov 15, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 530

Re: Vanguard Global Credit Bond Fund

There is an on-going discussion here: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund In this discussion, I believe Offshore would like to know if this fund has an appropriate place in his/her portfolio. If so, then what percent of fixe...
by LadyGeek
Thu Nov 15, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Am I going in the wrong way ? [Bahamas]
Replies: 1
Views: 255

Re: Am I going in the wrong way ? [Bahamas]

Welcome! I have moved your post to the correct forum. You are posting documents from the Securities Commission of the Bahamas . I assume you are a resident of the Bahamas and have retitled the thread to attract the attention of the members who can help you best. If this is incorrect, please change t...
by LadyGeek
Thu Nov 15, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 61
Views: 5927

Re: Wait, do I need a prenup?

I removed several off-topic posts regarding relationship issues and gender stereotypes (offensive). As a reminder, see: General Etiquette avoid profanities, obscenities, lewd and otherwise offensive words and remarks Please stay focused on the personal finance aspects and state your concerns in a c...
by LadyGeek
Wed Nov 14, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1842

Re: Teaching young folks how to save for retirement

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
Wed Nov 14, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 439
Views: 78773

Re: How much international stock? A suggestion.

^^^ I believe GuyLafleur is already a member. If so... GuyLafleur - The best advice comes from your home country. Please start a new topic in the Financial Planning and Building Portfolios forum using the My Portfolio: Seeking Advice format. It will make you think about the "big picture" while givin...
by LadyGeek
Wed Nov 14, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Savings Account
Replies: 28
Views: 1508

Re: Bonds vs. Savings Account

Closer2323 - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your updated thread back into the original. If you have any questions, ask them here.
by LadyGeek
Wed Nov 14, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1287

Re: Dentists/Dental Professionals: Front Crowns?

The OP's question has been answered. This thread has run its course and is locked (medical advice continues). 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 Associatio...
by LadyGeek
Wed Nov 14, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1287

Re: Dentists/Dental Professionals: Front Crowns?

...As a professional when would you recommend front crowns? As a reminder, medical advice (discussion of tooth condition or treatment) is off-topic. 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 st...
by LadyGeek
Wed Nov 14, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1022

Re: Flood Insurance- When is it necessary?

This thread is now in the Personal Finance (Not Investing) forum (insurance).
by LadyGeek
Wed Nov 14, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help or Advice on Land Purchase
Replies: 8
Views: 617

Re: Help or Advice on Land Purchase

This thread is now in the Personal Finance (Not Investing) forum (real estate).
by LadyGeek
Wed Nov 14, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Time is upon us
Replies: 13
Views: 2430

Re: 2018 Tax Time is upon us

This is a "no politics" forum. I removed a few rants regarding the tax form. 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 reli...
by LadyGeek
Wed Nov 14, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Better funds than VTSAX and VEA?
Replies: 13
Views: 719

Re: Better funds than VTSAX and VEA?

vu8 - It looks like you may have posted similar questions a few minutes apart - both have replies. In order to give appropriate advice, it's best to keep everything in one spot. I merged your threads together.

If you have any questions, ask them here.
by LadyGeek
Tue Nov 13, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Time Value of Money vs. Variable Percentage Withdrawal (VPW)
Replies: 48
Views: 1958

Re: Time Value of Money vs. Variable Percentage Withdrawal (VPW)

A quick diversion for investors who may not understand the calculations under discussion: The Time Value of Money calculations are well worth learning. Please spend some time to understand this most basic, but essential, part of finance and investing. Once the concepts are understood, you can solve ...
by LadyGeek
Tue Nov 13, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Selling I Bonds/Buying New I Bonds?
Replies: 9
Views: 1237

Re: Selling I Bonds/Buying New I Bonds?

I merged protagonist's thread into the on-going discussion. The thread is in the Investing - Help with Personal Investments forum, as members are asking for assistance.
by LadyGeek
Tue Nov 13, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3915

Re: Feeling uneasy about recent splurge

This thread has run its course and is locked (emotional issue, not actionable). See: Acceptable Topics and Subforum Guidelines This is an investing and personal finance forum. We also maintain a subforum that allow our members to discuss consumer goods and services and recreational activities. Anyt...
by LadyGeek
Tue Nov 13, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1264

Re: Vanguard Year-End distribution estimates

I merged threads by b0B and RickBoglehead into here. The combined thread is in the Investing - Theory, News & General forum (news).

To new investors - Please see: Why did my fund unexpectedly drop in value
by LadyGeek
Tue Nov 13, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 439
Views: 78773

Re: How much international stock? A suggestion.

I removed several off-topic posts debating how to state one's position on international stock which may be contrary to a perceived consensus in this forum. The discussion was getting derailed. As a reminder, see: General Etiquette We expect this forum to be a place where people can feel comfortable...
by LadyGeek
Mon Nov 12, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Expected nominal return in 80/20 stock/bond fund for next 10 years
Replies: 10
Views: 1891

Re: Expected nominal return in 80/20 stock/bond fund for next 10 years

This thread is now in the Investing - Theory, News & General forum (general question). masonstone - Are you thinking about using this information to help setup your investment portfolio? If so, there's a better way. Please start a thread in the Investing - Help with Personal Investments forum and po...
by LadyGeek
Mon Nov 12, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 785
Views: 260132

Re: Variable Percentage Withdrawal (VPW)

willthrill81 started a discussion to compare Time Value of Money equations vs. Variable Percentage Withdrawal for his own situation. I moved that discussion into a separate thread. See: Time Value of Money vs. Variable Percentage Withdrawal (VPW) Let's keep this thread on focused on Variable Percent...
by LadyGeek
Mon Nov 12, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Time Value of Money vs. Variable Percentage Withdrawal (VPW)
Replies: 48
Views: 1958

Re: Time Value of Money vs. Variable Percentage Withdrawal (VPW)

willthrill81 - I split your discussion into a new thread, as it was focused on the Time Value of Money as applied to your situation. The main discussion was getting derailed.
by LadyGeek
Mon Nov 12, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2307
Views: 1455340

Re: The Three-Fund Portfolio

^^^ radiowave - FYI - You're responding to a post from Aug 22, 2018. Kcr8n - Below can also apply to you. Listened to the third episode of the Bogleheads podcast this morning. I have a Roth IRA that I regard as my most aggressive investment. The Roth is currently sitting at $12,000-$15,000 in VTSAX ...
by LadyGeek
Sun Nov 11, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1916

Re: TIAA R1 With Painfully High Expenses - stuck?

Valuethinker / stlrick / student - While your comparison of TIAA RE to Vanguard REIT funds may be accurate, the discussion is hijacking the intent to help the OP. I don't think I can split your discussion into a new topic without losing context. Feel free to start a new thread to debate the differen...
by LadyGeek
Sun Nov 11, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA for spouse and I
Replies: 28
Views: 1587

Re: Traditional or Roth IRA for spouse and I

vwgrrc - It looks like you had a few problems quoting posts. I removed several extra posts which duplicated what you had the first time.

If you want to practice, post here: Please Try Out Test Posts Here. Otherwise, please let me know if you need further assistance.
by LadyGeek
Sun Nov 11, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 439
Views: 78773

Re: How much international stock? A suggestion.

The discussion is getting derailed. 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. Discussions are about issues, not people. If you disagree with an idea, go ...
by LadyGeek
Sun Nov 11, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4434

Re: Vanguard screws up rollover from TSP

Why is it that posts like this about Vanguard are so common, yet I've yet to see one about iShares, Schwab, or Fidelity? Vanguard is the largest investment custodian, so of course, they will probably make some mistakes and have clients complain about the errors. But they also have clients who give ...
by LadyGeek
Sun Nov 11, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 140
Views: 16972

Re: [Financial] Habits of the Rich

This thread is now in the Personal Finance (Not Investing) forum (personal finance). I retitled the thread for clarity.

Please stay focused on the financial aspects.
by LadyGeek
Sun Nov 11, 2018 3:00 pm
Forum: Forum Issues and Administration
Topic: How the search works
Replies: 3
Views: 388

Re: How the search works

The forum's built-in search engine (the gear icon in the top-right corner of the page) is not the greatest. Instead use the Google search engine and put "money market fund" in quotes. Here's the results: "money market fund" site:bogleheads.org - Google Search Under the search box are options. Select...
by LadyGeek
Sun Nov 11, 2018 2:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Armistice Day - 100 years ago today, the ending of World War One
Replies: 10
Views: 737

Re: Armistice Day - 100 years ago today, the ending of World War One

From the Canadian perspective, here's a History of the Poppy.

Update: Removed link which required login to view.
by LadyGeek
Sun Nov 11, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4659

Re: E. Jones/Vanguard and now Fisher Investments

The steps for checking an advisor's (or advisory firm's) background is in the wiki. See: Investment adviser You can find a full disclosure at the SEC's IAPD - Investment Adviser Search . Here you go: IAPD - Investment Adviser Firm Summary - FISHER INVESTMENTS The fees are in the Part 2 Brochures. Se...
by LadyGeek
Sun Nov 11, 2018 10:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Armistice Day - 100 years ago today, the ending of World War One
Replies: 10
Views: 737

Armistice Day - 100 years ago today, the ending of World War One

Today is the 100th anniversary of the ending of World War One, on the 11th hour of the 11th day of the 11th month, 1918.

To everyone who served in the military, a very big Thank You for your service.
by LadyGeek
Sun Nov 11, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 160
Views: 12115

Re: Rumour mill - Fidelity starting individual HSA's Nov. 15th

leeks wrote:
Sun Nov 11, 2018 9:50 am
Would anyone be eligible to open one? Or only if you have a high deductible insurance plan?
Only if you have an existing high deductible insurance plan. See the wiki: Health savings account

I fixed the spelling in the thread title. "Rumor" is the US version of "Rumour" (used outside the US).
by LadyGeek
Sun Nov 11, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Very un-Boglehead article on Vanguard's web
Replies: 55
Views: 8203

Re: Very un-Boglehead article on Vanguard's web

You're bumping a 2011 thread, which is not usually a problem. However, the articles are no longer available and there's no point to continue the discussion.

(Thread locked to end discussion).
by LadyGeek
Sat Nov 10, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about FSA when quitting mid-year
Replies: 9
Views: 730

Re: Confused about FSA when quitting mid-year

^^^ Exactly. If you know you will leave your employer - max out what you can. See the wiki: Flexible spending arrangement (Distributions from an FSA) For example: You elect to contribute the 2019 maximum of $2,700. On January 2, 2019, you spend $2,700 of qualifying medical expenses, but only contrib...
by LadyGeek
Sat Nov 10, 2018 7:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2270

Re: U. S. Marine Corps Birthday

This thread is now in the Local Chapters and Bogleheads Community forum (Bogleheads).

Thank you for your service.
by LadyGeek
Sat Nov 10, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7796

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

OK, I downloaded and installed the software. File size: 48 MB, slightly smaller than last year There was no problem importing last year's return. Next expected update: January 3, 2019 You can look at your federal info, but the state return is totally blocked until the forms are released (should be a...
by LadyGeek
Sat Nov 10, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and NYS ACA Exchange
Replies: 5
Views: 331

Re: HSA and NYS ACA Exchange

See post below. Really need to plan and get your MAGI down. Check out the NYS Essential Plan. It's not ACA in NYS until your income is > 200% of FPL. I plan on keeping my income between 138% - 199% FPL. If the Essential plan goes away, then I would just buy an off exchange policy (Silver) that qual...
by LadyGeek
Sat Nov 10, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4664

Re: Do you prefer etfs or mutual funds?

This thread is now in the Investing - Theory, News & General forum (general discussion). I only own one mutual fund and that’s the JP Morgan 2055 target date fund. That’s through my employer 401k. The rest of my investments are etfs. I’ve contemplated owning the TRBCX mutual fund but that’s about it...
by LadyGeek
Sat Nov 10, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 168
Views: 21038

Re: IRS publishes draft 2018 1040 - Huge changes made

I removed an off-topic rant about tax software availability and pricing.

Please stay focused on the financial aspects.
by LadyGeek
Sat Nov 10, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 168
Views: 12106

Re: A reminder: Stay away from AQR

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.
Please stay focused on the investing aspects.
by LadyGeek
Sat Nov 10, 2018 8:42 am
Forum: Forum Issues and Administration
Topic: User surge at 3:07AM?
Replies: 5
Views: 1335

Re: User surge at 3:07AM?

Those with a sharp eye may have noticed an increase in contributions from our European wiki editors.

The latest is here: Investing from Ireland (in progress)

We use the same software as Wikipedia. Editing activity can be found in the left-side menu under Recent changes (desktop view only).
by LadyGeek
Sat Nov 10, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14535

Re: How much money are you leaving your kids after you die?

This thread has run its course and is locked (topic exhausted). As a reminder, 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 polic...
by LadyGeek
Sat Nov 10, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7796

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

It allows you to download the software after 60 days. You'd need this service if you haven't backed up the software somewhere. Bear in mind you should always keep the prior year's software and the associated tax file(s), as it contains the tax rules and is 100% compatible with that year's return. Yo...