Search found 21739 matches

by LadyGeek
Wed May 23, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 140
Views: 3295

Re: Purchasing a house, downpayment vs. retirement and other considerations

Emergency funds: Covered – Could draw from Inherited IRA if absolutely necessary ... What are you basing "covered" on? Your current situation, or, after you've purchased your home? See the wiki: Emergency fund Your emergency fund needs to "survive" the transaction. IOW, this money must be set aside...
by LadyGeek
Wed May 23, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 140
Views: 3295

Re: Purchasing a house, downpayment vs. retirement and other considerations

I removed a long interchange which suggested the OP purchase a house in Natick MA (where to live). The discussion was derailed.

Please stay on-topic, which is to help the OP with the financial aspects of the current situation.
by LadyGeek
Wed May 23, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Root canal/Crown for a tooth that was worked on 6 months ago.
Replies: 11
Views: 1027

Re: Root canal/Crown for a tooth that was worked on 6 months ago.

This thread has run its course and is locked (medical advice). 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 Evaluating Heal...
by LadyGeek
Tue May 22, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1074

Re: Whole Life vs Universal Life

After receiving a PM, the OP has clarified that his DW is a key employee. The decisions made here will impact her directly.

This thread is now unlocked to continue the discussion.
by LadyGeek
Tue May 22, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Owner - how to build retirement wealth
Replies: 33
Views: 2755

Re: Small Business Owner - how to build retirement wealth

After receiving a PM, the OP has clarified that his DW is a key employee. The decisions made here will impact her directly.

This thread is now unlocked to continue the discussion.
by LadyGeek
Tue May 22, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 2433

Re: Small company 401k plans

After receiving a PM, the OP has clarified that his DW is a key employee. The decisions made here will impact her directly.

This thread is now unlocked to continue the discussion.
by LadyGeek
Tue May 22, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: RE: Merchant services.
Replies: 4
Views: 361

Re: RE: Merchant services.

This thread is now in the Personal Finance (Not Investing) forum (credit card merchant account).

Fire50, Welcome!
by LadyGeek
Tue May 22, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1074

Re: Whole Life vs Universal Life

This thread has run its course and is locked. 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. Anything else is considered "Off Topic...
by LadyGeek
Tue May 22, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Owner - how to build retirement wealth
Replies: 33
Views: 2755

Re: Small Business Owner - how to build retirement wealth

This thread has run its course and is locked. 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. Anything else is considered "Off Topic...
by LadyGeek
Tue May 22, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 2433

Re: Small company 401k plans

This thread has run its course and is locked. 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. Anything else is considered "Off Topic...
by LadyGeek
Tue May 22, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my mom's investments, please.
Replies: 47
Views: 4042

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

To clarify what ExitStageLeft said, tax software (like TurboTax, TaxAct, H&R Block, etc.) all have built-in tax planning for 2018.

Use the software's built-in tax planner to figure out what the taxes will be. If you have any questions, don't hesitate to ask.
by LadyGeek
Tue May 22, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: ACL reconstruction surgery using allograft
Replies: 5
Views: 415

Re: ACL reconstruction surgery using allograft

MY 1st doctor (Ortho) suggests doing an ACL reconstruction using patella tendon harvesting 2nd Doctor at HSS (hospital of special surgery in NYC) suggests repair/reconstruct using allograft. While looking in my knee if repair is out of scope then reconstruct with allograft. My request from you: Did...
by LadyGeek
Mon May 21, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 58
Views: 5384

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

I removed a post and one reply discussing an end-of-life situation. This forum maintains a family-friendly environment - things you can say in front of the little ones. Not just for language, but subject matter. The description, while civil and to the point, was above this threshold.
by LadyGeek
Mon May 21, 2018 7:21 pm
Forum: Forum Issues and Administration
Topic: Linking wiki articles into forum posts
Replies: 22
Views: 5283

Re: Linking wiki articles into forum posts

The latest update has deprecated the format variables in Link Text and Location Copier . (For some reason, the add-on doesn't work on the Mozilla page. Elsewhere, yes. Mozilla.org, no.) As noted in the developer's home page , Table 1, "Context dependant custom format variables" may be deprecated. I ...
by LadyGeek
Mon May 21, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Disputed HOA billing
Replies: 21
Views: 1730

Re: Disputed HOA billing

This thread is now in the Personal Finance (Not Investing) forum (HOA).
by LadyGeek
Mon May 21, 2018 3:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 97
Views: 14108

Re: [Virtual online chapter - Master thread]

Sorry, but no uploads can be done in the forum. Youtube, or perhaps Vimeo, is your best shot.
by LadyGeek
Sun May 20, 2018 7:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 97
Views: 14108

Re: [Virtual online chapter - Master thread]

Don't forget that the blog can be used as a resource. See: Virtual online chapter | Financial Page If you want to share material publicly, such as meeting minutes or links to video channels, feel free to create a blog post. Surf the blog to see what I mean. Anyone interested in becoming a blogger sh...
by LadyGeek
Sun May 20, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: A scarcity or abundance of money?
Replies: 4
Views: 822

Re: A scarcity or abundance of money?

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
Sun May 20, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5111

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: 76
Views: 3256

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: 97
Views: 14108

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: 47
Views: 4042

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: 974
Views: 74879

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: 76
Views: 3256

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 12:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 36
Views: 3111

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: 36
Views: 3111

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: 434
Views: 21593

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: 434
Views: 21593

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: 434
Views: 21593

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: 4000

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: 851

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: 10428

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: 10428

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: 832

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: 49
Views: 6989

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: 276

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: 4000

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: 144765

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: 29
Views: 2938

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: 29
Views: 2938

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: 29
Views: 2938

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: 1678

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: 50991

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: 3099

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: 1233

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: 545

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