Search found 23038 matches

by LadyGeek
Mon Oct 22, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best Large Deposit Banking Sign-up Deals with High Interest Rate
Replies: 4
Views: 780

Re: Best Large Deposit Banking Sign-up Deals with High Interest Rate

FYI - There is an on-going discussion for brokerages (investment portfolios) here: The Final, Definitive Thread on Brokerage Transfer Bonuses

This thread is for banks.
by LadyGeek
Mon Oct 22, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5016

Re: 8 reasons why pensions are [good]

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
Mon Oct 22, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 2970

Re: Why are Carbon Offset Credits so cheap?

This thread has run its course and is locked (climate policy). 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
Sun Oct 21, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2794

Re: Why Purchase an Automobile using Premium Gasoline?

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
Sun Oct 21, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 33
Views: 3711

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

I removed an off-topic post. As a reminder, this is a "no politics" forum. Wash sale rules are derived from US law, which is a political (legislative) process. Discussions of the political process are off-topic. See: Politics and Religion In order to avoid the inevitable frictions that arise from t...
by LadyGeek
Sun Oct 21, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5016

Re: 8 reasons why pensions are [good]

[ quoted post and response removed by admin LadyGeek] The main point of my original posting, which clearly was lost to almost every reader, was that in addition to the obvious monetary benefits, there are other beneficial impacts, particularly items #4-6 in the original post. Thanks to tarmangani a...
by LadyGeek
Sun Oct 21, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 879
Views: 95561

Re: [What TV Show Have You Recently Watched?]

^^^ No question - Breaking Bad.

When someone reviews a show and says "It's as good as Breaking Bad", there's a reason. Then, Better Call Saul.
by LadyGeek
Sun Oct 21, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5555

Re: Pull kids from school for vacations?

I removed some off-topic posts and replies. The OP has decided on a course of action and the discussion is getting contentious. 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 mor...
by LadyGeek
Sun Oct 21, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 20
Views: 2029

Re: Fidelity or Vanguard [Portfolio help requested]

Looking for some investment advice. (I wasn’t sure whether to create a new post on this, or to add it to the thread of my previous post. If I chose wrong, please let me know.) Welcome! In order to provide appropriate advice, it's best to keep all the information in one spot. Let's keep your post he...
by LadyGeek
Sun Oct 21, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a Contract Worker
Replies: 9
Views: 1086

Re: Hiring a Contract Worker

This thread is now in the Personal Finance (Not Investing) forum (employment).
by LadyGeek
Sun Oct 21, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 152
Views: 12483

Re: Where would you go for financial guidance if you win the Megamillions?

Spirit Rider wrote:
Sun Oct 21, 2018 1:01 pm
The science definition is 109 = 1,000,000,000. For example, Megaohms, Megahertz, etc...
No, it's:

Mega = 106 = 1,000,000
Giga = 109 = 1,000,000,000

See: International System of Units - Wikipedia (Prefixes)
by LadyGeek
Sun Oct 21, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5016

Re: 8 reasons why pensions are [good]

I removed all mention of some slang which had two meanings. The predominate meaning is a word that is not family-friendly and inappropriate for this forum. The other means "good". The intention is "good", which is what I used as a replacement.
by LadyGeek
Sun Oct 21, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 6
Views: 715

Re: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

staythecourse wrote:
Sun Oct 21, 2018 8:49 am
My biggest concern as an investor for during a bear market is job security. So, I would make sure EF is AT LEAST 1 year.
Acronym help - EF is Emergency fund.
by LadyGeek
Sun Oct 21, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 6
Views: 715

Re: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

motorcyclesarecool wrote:
Sun Oct 21, 2018 8:15 am
To the mods: I wasn’t sure whether this topic belongs here or in Investing Theory, News, Etc. Please move as appropriate.
The main point of your question is financial planning, meaning Paying down loans versus investing. Let's leave it here.

I also fixed the bulleted list in your post.
by LadyGeek
Sun Oct 21, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Kitces link: The Spectrum of Financial Dependence and Independence
Replies: 20
Views: 1719

Re: Kitces link: The Spectrum of Financial Dependence and Independence

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

I removed an off-topic comment. Please focus on your own situation.
by LadyGeek
Sun Oct 21, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 2793

Re: Selling to CarMax if maintenance lights on?

For the record, discussions of dishonest behavior or bypassing the law is totally unacceptable. I removed a few comments and replies suggesting the owner erase the diagnostic codes. Several replies were left in-place to explain that code reset history is logged. Update: I fixed the grammar in the t...
by LadyGeek
Sat Oct 20, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 44
Views: 2647

Re: noisy generator

A restaurant conversation is ~60 dB. Note that 70 dB is twice as loud as 60 dB. 65 dB is 40% louder than 60 dB. 62 dB is is 15% louder than 60 dB. It’s a logarithmic scale, so every 2 dB counts. For those wondering why a 10 dB difference is only (twice as loud) vs. (10 times as loud) as a math rati...
by LadyGeek
Sat Oct 20, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 33
Views: 3711

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

This thread is now in the wiki: Tax loss harvesting - Bogleheads (External links) PhysicianOnFIRE - Your blog posts only show publication dates on your home page. When I go to the actual blog link, the publication date is missing. Would it be possible to show the publication date (and author) under ...
by LadyGeek
Sat Oct 20, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5555

Re: Pull kids from school for vacations?

I removed some off-topic posts on Page 1 regarding family values and teacher's unions (separate discussions).

Please stay on-topic, which is to help the OP decide whether or not to take the kids on vacation.
by LadyGeek
Sat Oct 20, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Is it "naive" to just use Boglehead philosophies with extremely large amounts of money?
Replies: 4
Views: 1253

Re: Is it "naive" to just use Boglehead philosophies with extremely large amounts of money?

This is a similar situation to an on-going discussion: Where would you go for financial guidance if you win the Megamillions?

(Thread locked to redirect the discussion. Please avoid discussions of gambling per se.)
by LadyGeek
Sat Oct 20, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 44
Views: 2228

Re: How do you trade ETFs exactly like mutual funds?

Welcome!

Be sure you understand exactly the type of order you are considering. The wiki has some background info: Order

As others have stated earlier - if you are investing for the long-haul, the variation of one trading day won't make any difference.
by LadyGeek
Sat Oct 20, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 33
Views: 3711

Re: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

tarmangani wrote:
Sat Oct 20, 2018 11:03 am
Only amendment is that it's written by the Physician on Fire. Excellent link/guide, though, thanks.
I fixed the thread title.
by LadyGeek
Sat Oct 20, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 249
Views: 28990

Re: High End Wrist Watches (Gone Crazy)

I removed a number of off-topic posts and replies which were derailing the discussion (morality of displaying symbols of socio-economic status).

Please stay on-topic, which is about watches.
by LadyGeek
Sat Oct 20, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Honda maintenance schedule?
Replies: 52
Views: 10744

Re: Honda maintenance schedule?

My '13 Accord now has just over 90,000 miles on it. Oil change interval per the Maintenance Minder has continued to be fairly consistent at 10,000 - 10,500 miles (this is changing at 15% oil life per the MM). My last oil change (my 8th with this car) was at 81,500 miles. My '12 CR-V has just over 8...
by LadyGeek
Sat Oct 20, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Best first time computer / path for children
Replies: 15
Views: 991

Re: Best first time computer / path for children

This thread is now in the Personal Consumer Issues forum (computer). I would build a computer with him using www.pcpartpicker.com You'll save a ton and it's a fun and fairly easy project. 8GB RAM or 16 if you want future proof 7th gen Intel i5 250 or 500GB SSD Compatible Motherboard Case + Power Sup...
by LadyGeek
Fri Oct 19, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Deliquency date
Replies: 11
Views: 820

Re: Property Tax - Deliquency date

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

jlyonmn, Welcome!
by LadyGeek
Fri Oct 19, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Home Buying Books. [Looking for books about buying a home]
Replies: 5
Views: 376

Re: Home Buying Books. [Looking for books about buying a home]

This thread is now in the Personal Consumer Issues forum (books). I retitled the thread for clarity.
by LadyGeek
Fri Oct 19, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 41
Views: 3306

Re: Inflating AGI to avoid paying back ACA Premium Tax Credit

Let's not derail the thread. Conjecture on ethics is never productive.
by LadyGeek
Fri Oct 19, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5844

Re: Depositing Cash if it was gifted?

^^^ You can edit your post using the "pencil" icon in the top-right corner. Use the strikeout "s" icon in the editing toolbar.

For example: Suspicious Activity Report Currency Transaction Report
by LadyGeek
Fri Oct 19, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Fairmark Forum (Tax Forum)
Replies: 19
Views: 1630

Re: Fairmark Forum (Tax Forum)

FWIW, I'm very familiar with forum software, WordPress, etc. However, I'm not going to conjecture on causes or solutions. I would assume the site owner has good intentions and had to go in this direction. A better course of action would be to post a question in the Fairmark Forum and ask the site ow...
by LadyGeek
Fri Oct 19, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Fairmark Forum (Tax Forum)
Replies: 19
Views: 1630

Re: Fairmark Forum (Tax Forum)

After some quick surfing, I think they are using WordPress with a forum plugin. I don't think anyone has thought about backwards compatibility. Not only are older posts gone, but they've broken all the links in the wiki. :annoyed For example: Timing of transactions to reduce taxes (External Links) F...
by LadyGeek
Fri Oct 19, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: [How many SP500 companies in Mid Cap Index? Split 50/50 btwn Ttl Mkt and Mid Cap?]
Replies: 15
Views: 652

Re: [How many SP500 companies in Mid Cap Index? Split 50/50 btwn Ttl Mkt and Mid Cap?]

dcarste - In order to give appropriate advice, it's best to keep all the information in one spot. Many posts in the later thread referenced back to the first, which made the discussion difficult to follow. I merged them back together and retitled the thread. Your question was originally "How many S&...
by LadyGeek
Fri Oct 19, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99247

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

^^^ I moved ElmoHongZito's post into the on-going discussion. Let's keep all general discussions of "investing in international (or not)" in this thread.
by LadyGeek
Fri Oct 19, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 231
Views: 21180

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

FYI - jmk has made an erroneous post and removed the content (3 up from here).* To avoid confusion, he has requested removal of the above 2 quotes. I have removed the quote from FiveK's and ObliviousInvestor's posts.

* The post was intended for a different thread.
by LadyGeek
Fri Oct 19, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 249
Views: 28990

Re: High End Wrist Watches (Gone Crazy)

Please stay on-topic.
by LadyGeek
Thu Oct 18, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 9576

Re: Larry Swedroe: Prepare For The Bear

This thread has run its course and is locked (topic exhausted, contentious). 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,...
by LadyGeek
Thu Oct 18, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Why dismiss sectors?
Replies: 31
Views: 1619

Re: Why dismiss sectors?

This thread is now in the Investing - Theory, News & General forum (general question).
by LadyGeek
Thu Oct 18, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 110
Views: 5844

Re: Depositing Cash if it was gifted?

I want to address several comments related to structuring . For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable. The intent is to understand how to do this within the existing legal framework; in which case this discussion can continue. Everything is a mat...
by LadyGeek
Thu Oct 18, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 249
Views: 28990

Re: High End Wrist Watches (Gone Crazy)

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
Thu Oct 18, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 41
Views: 3306

Re: Inflating AGI to avoid paying back ACA Premium Tax Credit

Discussions of dishonest behavior or bypassing the law is totally unacceptable. Failure to report losses, or increasing income without a legitimate source is tax evasion. The amount of the discrepancy is not relevant.

Please stay focused on helping the OP within the legal framework.
by LadyGeek
Wed Oct 17, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 152
Views: 12483

Re: Where would you go for financial guidance if you win the Megamillions?

^^^ I can guess his answer. :) From some perspectives, winning $1M or less would have the same impact. It's a large amount of money received at once. How do you manage it? For the investing aspect, see the wiki: Managing a windfall For the personal finance aspect, see: Financial planning Professiona...
by LadyGeek
Wed Oct 17, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: State tax shenanigans - IL
Replies: 1
Views: 552

Re: State tax shenanigans - IL

This post is locked (general 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.
by LadyGeek
Wed Oct 17, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10659

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I removed several posts and replies. 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 ...
by LadyGeek
Wed Oct 17, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1553

Re: Treasuries safe?

This thread has run its course and is locked (derailed). 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 conspi...
by LadyGeek
Wed Oct 17, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Pending I-485 & Roth
Replies: 9
Views: 619

Re: Pending I-485 & Roth

Welcome! On an administrative note, I retitled your thread. "ROTH" is not an acronym. It's named after a US senator.

See: Roth IRA
Named after US Senator William Roth, Roth IRAs were established by the Taxpayer Relief Act of 1997.
by LadyGeek
Wed Oct 17, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis/Advice
Replies: 3
Views: 334

Re: Portfolio Analysis/Advice

J_Nyz, Welcome! In order to give appropriate advice, it's best to have all the information in one spot. I merged your PIMCO question into here, as it's related to your portfolio.

If you have any questions, ask them here. (This isn't a big deal, don't worry about it.)
by LadyGeek
Wed Oct 17, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion - getting conflicting info about taxes
Replies: 7
Views: 620

Re: Roth conversion - getting conflicting info about taxes

This thread is now in the Personal Finance (Not Investing) forum (Roth conversion).

New member jwc1754 has a question which I've moved into a stand-alone thread. See: [Help with 401k rollover, Roth conversion]

femmefire, Welcome!
by LadyGeek
Wed Oct 17, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2834

Re: Reasonable cost for a forever home?

This thread is now in the Personal Finance (Not Investing) forum (buying a home).