Search found 23525 matches

by LadyGeek
Fri Dec 14, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1106

Re: [Help with my wife's retirement plan]

^^^ The wiki has some background info: Extended market index fund The picture explains Peter Foley's suggestion. An extended market index fund in your portfolio will complete the "total market" picture when both portfolios are viewed together as one: https://www.bogleheads.org/w/images/thumb/5/5a/Ex...
by LadyGeek
Fri Dec 14, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 142
Views: 7499

Re: [Robinhood to launch 3% interest bearing accounts, but is not a bank]

The product has finally been defined: Robinhood’s 3% Interest Checking Is Just a Money-Market Fund , from Bloomberg. (The comments about SIPC protection have been superseded by the above article.) It has not. That title is just someone's opinion. There is no actual money market fund. Thanks, I have...
by LadyGeek
Fri Dec 14, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: 3 Correlation Myths In Portfolio Construction
Replies: 45
Views: 2054

Re: Allan Roth: 3 Correlation Myths In Portfolio Construction

Random Walker wrote:
Thu Dec 13, 2018 11:32 pm
... I believe volatility drag is a real cost too, and a more efficient portfolio lessens this cost.
The wiki has some background info: Variance drain (a.k.a. volatility drag)
by LadyGeek
Fri Dec 14, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 142
Views: 7499

Re: [Robinhood to launch 3% interest bearing accounts, but is not a bank]

Bloomberg reports that the head of the SIPC stated that this account would not be insured by SIPC and that yesterday was the first time they'd heard of it. Said if they'd had a call from Robinhood they could have made that clear to them. Thanks! Here's the link: SIPC Says It Has Serious Concerns Ab...
by LadyGeek
Fri Dec 14, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 20
Views: 2612

Re: Fisher Investments

steelerbacker - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your updated question back into the original.
by LadyGeek
Fri Dec 14, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: 3 Correlation Myths In Portfolio Construction
Replies: 45
Views: 2054

Re: Allan Roth: 3 Correlation Myths In Portfolio Construction

I removed an off-topic post and several 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 mann...
by LadyGeek
Fri Dec 14, 2018 10:54 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 245
Views: 205476

Re: Please Try Out Test Posts Here

The bulleted list is not easy to understand. To get a plain bulleted list, click on the list icon without the numbers. Each item needs to start with the "*" bullet icon, which is "[*]" in the list. [list] [*]https://www.autonews.com/article/20180417/BLOG06/180419780/the-octane-game-auto-industry-lob...
by LadyGeek
Thu Dec 13, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 142
Views: 7499

Re: [Robinhood to launch 3% interest bearing accounts like a bank, but is not a bank]

ObliviousInvestor's twitter posts have good info. From the Robbinhood fine print (bottom of the page): Users of Robinhood Checking and Savings earn 3% interest annually on each of their Checking and Savings balances. Robinhood does not charge account maintenance, account minimum, overdraft, ATM, tra...
by LadyGeek
Thu Dec 13, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 142
Views: 7499

Re: Robinhood to launch 3% Checking & Savings Accounts

Make that 8. I merged dwickenh's thread into here. Can we get the thread title corrected? These are not checking/savings accounts. Respectfully, I ask what would you call them then ? TIA I took a stab at it. "[Robinhood to launch 3% interest bearing accounts, but is not a bank]" This thread is now ...
by LadyGeek
Thu Dec 13, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 8
Views: 1093

Re: 2018 form 1040 released

This thread is now in the Personal Finance (Not Investing) forum (tax forms).
by LadyGeek
Thu Dec 13, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for kids
Replies: 95
Views: 9940

Re: Roth IRA for kids

The wiki has some background info: Uniform Gift to Minors Act
by LadyGeek
Thu Dec 13, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21579

Re: What percentage of your net worth is your home equity?

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 Dec 13, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 142
Views: 7499

Re: Robinhood to launch 3% Checking & Savings Accounts

livesoft wrote:
Thu Dec 13, 2018 6:39 pm
7th thread started on the subject today. :)
Make that 8. I merged dwickenh's thread into here.
by LadyGeek
Thu Dec 13, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: [How much of an emergency fund do I need?]
Replies: 17
Views: 1004

Re: [How much of an emergency fund do I need?]

To keep this discussion actionable, I retitled the thread.

The title was "How badly will unemployment be during next recession?".
by LadyGeek
Thu Dec 13, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Auto refinance
Replies: 12
Views: 464

Re: Auto refinance

Welcome! According to the website (FiWize), residual based loans are not for owners who will keep their car to the very end.

Be sure to understand the restrictions, especially if you want to terminate early. Read the FAQs carefully - be sure to click on "Load More FAQs".
by LadyGeek
Thu Dec 13, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: MLP's [Master Limited Partnership]
Replies: 26
Views: 1483

Re: MLP's [Master Limited Partnership]

This thread is now in the Investing - Theory, News & General forum (general discussion). I also retitled the thread to help with the acronym. See the wiki: Master limited partnership and note the caution at the top of the article. Master limited partnerships are intended for very experienced investo...
by LadyGeek
Thu Dec 13, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 73
Views: 5506

Re: Is a New Car Okay if Driven 15+ Years?

This thread is now in the Personal Consumer Issues forum (car).
by LadyGeek
Thu Dec 13, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 5746

Re: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market

^^^ Reformatted as: An audience with Jack Bogle: ‘Warren [Buffett] can get a little intoxicating’ October 9, 2017 Updated: December 12, 2018 Eighty-eight-year-old Jack Bogle is something of a pin-up. The ageing investment guru who launched the first-ever index fund in 1976 has many admirers — in fac...
by LadyGeek
Thu Dec 13, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2580

Re: Should this doctor pay damages for malpractice?

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
Thu Dec 13, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 379
Views: 37023

Re: What is/ was your career and would you recommend it now?

I merged BeanCity's thread into the on-going discussion.

(Thanks to the member who reported the post. One of the reasons is "Duplicate thread".)
by LadyGeek
Thu Dec 13, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1419

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

This thread has run its course and is locked (below acceptable threshold, not productive). 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 p...
by LadyGeek
Thu Dec 13, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 142
Views: 7499

Re: Robinhood to launch 3% Checking & Savings Accounts

I merged Thegame14's, Daendrew's, akhilsam's, investor4life's, GatorFL's, and vk_217's threads into the on-going discussion. The combined thread is in the Personal Finance (Not Investing) forum (checking and savings account). (Thanks to the members who reported the posts. One of the reasons is "Dupl...
by LadyGeek
Wed Dec 12, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 5746

Re: Our mentor advises to "buy bonds" for protection in current market

I merged mur44's thread into the on-going discussion.

As a reminder, this is a "no politics" forum - for any country. Please stay focused on the investing aspects.
by LadyGeek
Wed Dec 12, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8573
Views: 1675748

Re: U.S. stocks in free fall

Again, waiting until after market close. blackburnian - Thank you for providing credible, authoritative sources. (What we require for the wiki, but should apply here as well.) Here are the links: - Free Fall | Definition of Free Fall by Merriam-Webster 2b: a rapid and continuing drop or decline // a...
by LadyGeek
Wed Dec 12, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3915

Re: Donate to homeless?

This thread has run its course and is locked (now discussing social issues, 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, di...
by LadyGeek
Wed Dec 12, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: The red tide in Florida [algae bloom at Florida coast]
Replies: 18
Views: 2538

Re: The red tide in Florida [algae bloom at Florida coast]

As a reminder, we maintain a "family-friendly" environment - things you can say in front of the little ones. Not just for language, but subject matter. I removed a post discussing a topic which exceeded our family-friendly threshold.

I also retitled the thread for clarity.
by LadyGeek
Wed Dec 12, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 46
Views: 3149

Re: Vanguard Individual 401K now offering Admiral funds

I merged discman017's thread into the on-going discussion.
by LadyGeek
Wed Dec 12, 2018 4:20 pm
Forum: Forum Issues and Administration
Topic: How do I delete my account?
Replies: 13
Views: 5652

Re: How do I delete my account?

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
Wed Dec 12, 2018 3:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forming new chapter-Virginia Beach
Replies: 21
Views: 403

Re: Forming new chapter-Virginia Beach

FYI - I have merged several threads into here.
by LadyGeek
Tue Dec 11, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Not accepting Medicare benefits
Replies: 24
Views: 4041

Re: Not accepting Medicare benefits

I removed a post and several off-topic replies regarding socio-economic status (means-testing was implied), the discussion was getting contentious.

Please stay focused on the financial aspects and state your concerns in a civil, factual manner.
by LadyGeek
Tue Dec 11, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Not accepting Medicare benefits
Replies: 24
Views: 4041

Re: Not accepting Medicare benefits

This thread is now in the Personal Finance (Not Investing) forum (Medicare).
by LadyGeek
Tue Dec 11, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff coming in 3-6 months, questions about preparing
Replies: 20
Views: 2513

Re: Layoff coming in 3-6 months, questions about preparing

Does your health plan include a Flexible spending arrangement ? Max out your medical expenses as soon as you can. You are entitled to expense the full amount of your election, regardless if you've funded the account. When you get laid off, you will not pay for any balances due. Conversely, don't lea...
by LadyGeek
Tue Dec 11, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on Guideline 401k
Replies: 16
Views: 2473

Re: Feedback on Guideline 401k

This thread is now in the Personal Finance (Not Investing) forum (401k plan provider).

Mck2017, Welcome!

There is a relevant discussion here: Guideline 401k [What happens if they were to bankrupt?]
by LadyGeek
Tue Dec 11, 2018 7:30 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 245
Views: 205476

Re: Please Try Out Test Posts Here

Welcome! Your test post passes.

(Support request resolved via email.)

If anyone gets locked out of their account and needs assistance, please see the site home page link for our email address: Contact

Alternatively, see section 1.a in the Forum policies.
by LadyGeek
Tue Dec 11, 2018 7:23 pm
Forum: Forum Issues and Administration
Topic: How do I delete my account?
Replies: 13
Views: 5652

Re: How do I delete my account?

pejp wrote:
Tue Dec 11, 2018 1:27 am
Been on here for a few months, it’s not for me. How do I delete my account?
As others have stated, you are welcome to stop posting. If you change your mind, the account will be available.

If there's another reason for leaving, please PM me and I'll be happy to discuss it with you.
by LadyGeek
Tue Dec 11, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8573
Views: 1675748

Re: U.S. stocks in free fall

(free fall is actually two separate words by the way) Does that effect or affect the market? I confuse the two. It doesn't affect the market, but it effects my spell checker alarm bell. :D Here we go again - SP500 down 1.1%. Where are you people waiting for a discount... Oh no! How will I ever cope...
by LadyGeek
Tue Dec 11, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for kids
Replies: 95
Views: 9940

Re: Roth IRA for kids

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

I also fixed the spelling in the thread title. ROTH is not an acronym. See the wiki: Roth IRA
wiki wrote:Named after US Senator William Roth, Roth IRAs were established by the Taxpayer Relief Act of 1997.
by LadyGeek
Tue Dec 11, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: New Retiree Investment Strategy
Replies: 19
Views: 1928

Re: New Retiree Investment Stratedgy

This thread is now in the Investing - Help with Personal Investments forum (investment strategy). I also fixed the spelling in the thread title.
by LadyGeek
Tue Dec 11, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 13818

Re: Retired in your late 40s or early 50s?

I removed an off-topic post which challenged another member's profession. 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 ourse...
by LadyGeek
Mon Dec 10, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 13818

Re: Retired in your late 40s or early 50s?

This thread is now in the Personal Consumer Issues forum (how you spend your money and your time).
by LadyGeek
Mon Dec 10, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 169
Views: 18758

Re: 2018 Hedge Fund contest

The background of Norbert Schlenker, who started the hedge fund contest in 2009, is posted in our affiliate blog. See: Interview with Norbert Schlenker: The Financial Wisdom Forum | Financial Page Hedge fund contest historical info is in the wiki. See: Bogleheads® contests (The blog post is also dis...
by LadyGeek
Mon Dec 10, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with my wife's retirement plan]
Replies: 20
Views: 1106

Re: [Help with my wife's retirement plan]

Your "family" portfolio (you and your wife) should be considered in its entirety. Consider updating 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.
by LadyGeek
Mon Dec 10, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 99
Views: 6896

Re: Retiring in 2 weeks, Traditional 401k

reeko0530 - I moved your question regarding your wife's retirement plan into a new thread, as this discussion is about your father.

See: [Help with my wife's retirement plan]
by LadyGeek
Mon Dec 10, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: How will 80k inheritance affect medicaid, section 8, food stamp eligibility in PA?
Replies: 26
Views: 2901

Re: How will 80k inheritance affect medicaid, section 8, food stamp eligibility in PA?

I removed some earlier off-topic posts which were political in nature (what's wrong with this country). I also removed a post which emphasized that the OP's situation was illegal. The OP's question has been answered. This thread has run its course and is locked (topic exhausted, distress to the com...
by LadyGeek
Mon Dec 10, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 977

Re: safest downhill ski helmet

boglemania - You had a duplicate post, which I've removed. The replies have been merged into the original thread (here).
by LadyGeek
Sun Dec 09, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4021

Re: Rental Car Damage Issue

This thread has run its course and is locked (derailed). 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 or top...
by LadyGeek
Sun Dec 09, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: How will 80k inheritance affect medicaid, section 8, food stamp eligibility in PA?
Replies: 26
Views: 2901

Re: How will 80k inheritance affect medicaid, section 8, food stamp eligibility in PA?

As a reminder, this is a "no politics" forum. Opinions of current law ("whats wrong with this country") are off-topic. I want to address several comments related to hiding assets to qualify for Medicaid . For the record, discussions of dishonest behavior or bypassing the law are totally unacceptabl...