Search found 21721 matches

by LadyGeek
Sun May 20, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 51
Views: 2808

Re: Finance a $28,000 house for Brother?

This thread is now in the Personal Finance (Not Investing) forum (financing a home).
by LadyGeek
Sun May 20, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 49
Views: 1990

Re: Road trip Newark NJ to Albany

I know someone who's been there. Here's the website: Hyde Park, New York Restaurants & Bakery Café - CIA Restaurant Group
by LadyGeek
Sun May 20, 2018 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 86
Views: 12896

Re: [Virtual online chapter - Master thread]

I couldn't find an exact match, so here are all of Rick Ferri's videos:

- Bogleheads® 12 videos (Interviews with Rick Ferri)
- Bogleheads® 11 videos
- Bogleheads® 10 videos
- Bogleheads® 9 videos
- Bogleheads® 7 videos
by LadyGeek
Sun May 20, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my mom's investments, please.
Replies: 41
Views: 3433

Re: Help with my mom's investments, please.

That sounds about right. You might have to wait until Tuesday, it's hard to say.

In the mean time, hunt around the site (like where it lists your fund holdings) to see if you can find a transaction status.
by LadyGeek
Sun May 20, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 889
Views: 70700

Re: To take or not to take delivery of Tesla 3

I removed an off-topic post and a few 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 manner to...
by LadyGeek
Sat May 19, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 49
Views: 1990

Re: Road trip Newark NJ to Albany

I removed a comment related to ethnic / demographic populations of certain neighborhoods. There may be some misinterpretations on the intent (possibly offensive). Please stay on-topic.
by LadyGeek
Sat May 19, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2584
Views: 492080

Re: What's Your Credit Card Rewards Strategy?

Yes, but please expand the acronyms - Freedom Unlimited? "PC" is used in two contexts.
by LadyGeek
Sat May 19, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 29
Views: 2140

Re: Bogle featured in Barrons cover story

The post is not locked if you access it from facebook. No facebook account is needed. How? See this post: Re: The Wall Street Journal to close Google loophole entirely

It works because Barrons is a Wall Street Journal publication. Same company, same software.
by LadyGeek
Sat May 19, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 29
Views: 2140

Re: Bogle featured in Barrons cover story

^^^ I merged Taylor Larimore's post into here.
by LadyGeek
Sat May 19, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 367
Views: 16119

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Understood! This is what I should have said But I believe Roth 401K can be trivially rolled over in to Roth IRA (aka similar to regular 401K Rollover; after separating from the employer) Conversion MAY have tax consequences; Rollover USUALLY do not. Is that correct? The details are in: Publication ...
by LadyGeek
Sat May 19, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 367
Views: 16119

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Careful on the terminology. Moving funds without changing the account type is a "rollover". Changing between accounts is a "conversion". You can rollover from an employer's Roth 401(k) to a personal Roth IRA. If you are still working, this may not be permitted. You need to check your employer's Summ...
by LadyGeek
Sat May 19, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 367
Views: 16119

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

...P.S.: You are wrong. There is an RMD requirement for Roth 401K. https://www.investopedia.com/articles/retirement/06/moreonroth401k.asp Let's use a more authoritative (and current) source: Roth Comparison Chart | Internal Revenue Service Distributions must begin no later than age 70½, unless stil...
by LadyGeek
Sat May 19, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 3915

Re: Surgeon salary vs owning a business salary/profit?

Hi OP, I am 33 y/o and about to finally finish my residency in 1 months. I have 100s of thousand in debt and have missed lots of life experiences while in call rooms the past decade. But I still love medicine. Please go into business to make money. I don’t want you as a colleague. Do you need assis...
by LadyGeek
Sat May 19, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: New ETFs for USA-NRA Investors [Non-Resident Alien]
Replies: 8
Views: 797

Re: New ETFs for USA-NRA Investors [Non-Resident Alien]

ElJefe302, Welcome! I retitled the thread to help with the acronym. It's pretty funny. We non-USA person investors describe ourselves relative to our status in the USA. Citizen. Ex-pat. Resident alien. Non-resident alien. I should use "non-USA person". Less confusion perhaps? How does your home coun...
by LadyGeek
Sat May 19, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10328

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

slipp1229 - In order to give appropriate advice, it's best to keep all the information in one spot. Normally, I'd merge this discussion into your original question here: Funding VG Roth IRA using VG Money Mkt Funds? I recommend you post your portfolio in that thread using the Asking Portfolio Questi...
by LadyGeek
Sat May 19, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10328

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

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.
by LadyGeek
Fri May 18, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 801

Re: vitamins and supplements

This thread has run its course and is locked (medical recommendations). 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 Evalua...
by LadyGeek
Fri May 18, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Real Estate Isn’t Special
Replies: 44
Views: 5887

Re: Larry Swedroe: Real Estate Isn’t Special

^^^ I merged ChinchillaWhiplash's thread into here, which is a similar discussion.
by LadyGeek
Fri May 18, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Conversion and other questions
Replies: 2
Views: 259

Re: Roth IRA Conversion and other questions

Welcome! It looks like you've copied your post from a word processor. Please edit your post (the "pencil" icon in the top-right corner) to remove the HTML format tags. Suggestion: Copy-n-paste the text from your word processor into a text editor, like notepad. Then, copy the notepad text into your p...
by LadyGeek
Fri May 18, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 3915

Re: Surgeon salary vs owning a business salary/profit?

I removed some off-topic comments. 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.
by LadyGeek
Fri May 18, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 144638

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

After receiving a PM, here is a summary of the legal issues as-of April 12, 2018. See: Tax Whistleblower Case Advancing After Court Ruling , Allison Legal Law Firm. As noted in my previous post: Until the investigation is final and a decision has been made, further discussion is conjecture on the ou...
by LadyGeek
Fri May 18, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard anti-competitive?
Replies: 26
Views: 2552

Re: Is Vanguard anti-competitive?

From my PM, I sense a fair amount of implied malevolence due to my question here. Not sure why it is so hard to extend a sense of good faith to others that disagree with you or perhaps are just ignorant of the fact of the matter. If you actually received a PM that violates the rules of the site, pl...
by LadyGeek
Fri May 18, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard anti-competitive?
Replies: 26
Views: 2552

Re: Is Vanguard anti-competitive?

I think there is some misunderstanding on fund ownership. Mutual funds are not held by Vanguard, but by a 3rd party. See: Vanguard safety (Custody) Next, Vanguard is a private company and does not issue stock. Other fund issuers are public, like BlackRock or Schwab . Next, our blog* shows how Vangua...
by LadyGeek
Fri May 18, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard anti-competitive?
Replies: 26
Views: 2552

Re: Is Vanguard anti-competitive?

I removed an off-topic post. The OP is asking about Vanguard's corporate structure, which is on-topic. The implied reference to a "familiar" topic is for this thread: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds] The thread is locked, as...
by LadyGeek
Fri May 18, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Renting storage unit
Replies: 24
Views: 1641

Re: Renting storage unit

This thread is now in the Personal Consumer Issues forum (storage unit).
by LadyGeek
Thu May 17, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 237
Views: 50636

Re: A Returns Spreadsheet for Bogleheads

LinusCastle, Welcome! I moved your post into the on-going support thread. See the first post for more info. Here's the wiki link: Calculating personal returns FYI - I added a shortcut to the wiki's search box. Typing in "Return spreadsheet for Bogleheads" will get you there. (You only need to type i...
by LadyGeek
Thu May 17, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3063

Re: Bicycle insurance? when you're in the roadway like a car

This thread has run its course and is locked (derailed to rant about bicyclists). 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 po...
by LadyGeek
Thu May 17, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Things I don't understand... [Questions on: dividends, gains, munis]
Replies: 5
Views: 1220

Re: Things I don't understand... [Questions on: dividends, gains, munis]

I retitled the thread. A lot of times when I'm reading posts I hear a lot of terms, concepts I don't understand. Can someone explain the following to me: 3. Realized gains 4. Unrealized gains 5. Munis The earlier posts gave the technical explanation. Here's how I remember it: When you sell the stock...
by LadyGeek
Thu May 17, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Virtual Bank 2.01% MM [Money Market] savings account
Replies: 2
Views: 524

Re: Virtual Bank 2.01% MM [Money Market] savings account

protagonist - You had a duplicate post, which I've removed. There were no replies.

This thread is now in the Personal Finance (Not Investing) forum (bank). I also retitled the thread to help with the acronym.

Here's the link: eMoney Markets | VirtualBank
by LadyGeek
Thu May 17, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7488

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

You're all freakin' genii. Thanks for straightening me out! One our most popular topics is holding gold as part of your portfolio. There are two very clear answers: (1) Yes and (2) No. Anyone who sides with (1) is convinced that (2) is wrong. Anyone who sides with (2) is convinced that (1) is wrong...
by LadyGeek
Thu May 17, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax rate on first $100 of LTCG
Replies: 2
Views: 370

Re: Tax rate on first $100 of LTCG

I removed an off-topic comment and one post. 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 expressions such as sendin...
by LadyGeek
Thu May 17, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2203

Re: Free skin cancer screenings

I removed a few posts which discussed medical advice, including someone who posted a medical study which was challenged by another member. This thread has run its course and is locked (now discussing medical advice). See: Medical Issues Questions on medical issues are beyond the scope of the forum....
by LadyGeek
Thu May 17, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 6612

Re: Cancer - tips?

I removed a post linking to a site on chemo-therapy. The site contains medical advice. Please see my previous post and stay focused on the financial aspects of the OP's situation.
by LadyGeek
Wed May 16, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 6054

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

...As you noted (and I failed to point out in my blog post referenced earlier)...the efficient frontier with SD is a hyperbola....so as you approach zero standard deviation for one of the assets you can visualize the plane slicing the cone moving closer to the peak (http://www.algebralab.org/lesson...
by LadyGeek
Wed May 16, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7488

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

SmilerUK - Did we answer your question?

To our experienced members, please state your concerns in a civil, factual manner.
by LadyGeek
Wed May 16, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: How do companies that offer 401k profit?
Replies: 9
Views: 1362

Re: How do companies that offer 401k profit?

Forum member Barry Barnitz has two blog posts of interest:*

- Vanguard Group Inc. book value | Financial Page
- Vanguard funds and payables to Vanguard Group Inc. | Financial Page

*Yes, we have a blog. :) You can find the link on the left-side menu of every wiki page (desktop view only).
by LadyGeek
Wed May 16, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: How do companies that offer 401k profit?
Replies: 9
Views: 1362

Re: How do companies that offer 401k profit?

This thread is now in the Investing - Theory, News & General forum (general question).
by LadyGeek
Wed May 16, 2018 6:48 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8744

Re: The front page is ugly

... All the OP is asking for is for the front page to be consistent with the professionalism of the sub-form pages. ... Then might I suggest the OP load this as his bookmarked link: www.bogleheads.org/forum/search.php?search_id=active_topics +1 That's what I use. I wasn't aware of that page and at ...
by LadyGeek
Wed May 16, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 1609

Re: Wellington and Wellesley on May 16th [Incorrect price quote]

I merged Eric76's thread into here. The combined thread is in the Investing - Theory, News & General forum (news). I also retitled the thread.

Oregon Beancounter, Welcome!
by LadyGeek
Wed May 16, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Etrading
Replies: 7
Views: 475

Re: Etrading

Welcome! This may not be the best site to answer your question.

We invest in the entire market with a long-term buy-and-hold approach using low cost index funds. See: Bogleheads® investment philosophy

If you want more information, start here: Getting started
by LadyGeek
Wed May 16, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5845

Re: Would you send your children to private school in my situation?

I removed some off-topic posts. 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 respectf...
by LadyGeek
Wed May 16, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2151

Re: Why this problem never gets fixed

This thread has run its course and is locked (general rant). See: Personal Consumer Issues
General comments or complaints about these topics will be locked or removed.
I also retitled the thread.
by LadyGeek
Wed May 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7424

Re: Can a <median household save 1 year of expenses every year?

This thread has run its course and is locked (topic exhausted - rehashing the same points, no progress). 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 v...
by LadyGeek
Tue May 15, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: John C. Bogle explains his interpretation of RTM (reversion to mean)
Replies: 6
Views: 1293

Re: John C. Bogle explains his interpretation of RTM (reversion to mean)

How should the wiki article be updated? See: Mean reversion The current text: John C. Bogle regards mean reversion (or RTM, reversion to the mean, as he calls it) as an important factor affecting all investments. In a 2002 presentation entitled The Telltale Chart (with an updated version included in...
by LadyGeek
Tue May 15, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2791

Re: Brake work estimate

This thread is now in the Personal Consumer Issues forum (brakes).
by LadyGeek
Tue May 15, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2409

Re: Happy 89th birthday to [Jack] Bogle

Jack Bogle has posted in the forum. See: Yes, I'm 89 all right! [Jack Bogle]