Search found 23556 matches

by LadyGeek
Sun Dec 16, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

I removed some off-topic comments. If anyone has a question regarding a moderator action, please PM a moderator (or me) to discuss. Otherwise, see: Member Rights in a Dispute , 2nd paragraph.
by LadyGeek
Sun Dec 16, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 204
Views: 28746

Re: TurboTax Prices

It's still amazing how much energy can be spent on a once-a-year purchase to save maybe $20. I've done it too. But this year I took the easy way out. I had $20 of rewards/bonus coupons from Staples which were about to expire. I just took them to the store and bought TT Deluxe at $59 retail, cost me...
by LadyGeek
Sun Dec 16, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 19
Views: 1359

Re: Airbnb as side gig

I removed several posts which resulted in a contentious interchange. 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...
by LadyGeek
Sun Dec 16, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 204
Views: 28746

Re: Price of Turbotax

I merged wcombs' thread into the on-going discussion (thread started in February). [Thread merged into here, see below (next page) --admin LadyGeek] I notice that the price of Turbotax Home and Business for Mac on a website called Tax Reps is about half the price of Amazon. https://www.taxreps.info/...
by LadyGeek
Sun Dec 16, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

The discussion is derailing into a general debate on impacts of the mandate, as well as conjecture on the reintroduction of pre-existing conditions.

Please stay on-topic, which is the impact of the court ruling on your own situation.
by LadyGeek
Sun Dec 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 982
Views: 105645

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

The Handmaid's Tale , on hulu. It took a few episodes, but it suddenly got interesting and will continue to watch it through the end of the series (Season 2). Hulu has a ton of TV shows which I've watched over the years, but it's not enough to keep my interest. I'll cancel Hulu after Season 2 and g...
by LadyGeek
Sun Dec 16, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 19
Views: 1359

Re: Airbnb as side gig

This thread is now in the Personal Finance (Not Investing) forum (side gig).
by LadyGeek
Sun Dec 16, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 133
Views: 10282

Re: [New Vanguard website layout starting Saturday, August 11]

^^^ I moved DeadPoets post into an on-going discussion.
by LadyGeek
Sun Dec 16, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Which Funds to Take RMD From
Replies: 34
Views: 4361

Re: Which Funds to Take RMD From

This thread is now in the Investing - Help with Personal Investments forum (portfolio help).

FYI - The OP started this thread in 2015. (That's fine, just be aware of the posting date.)
by LadyGeek
Sun Dec 16, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

^^^ Sorry, relationship issues are off-topic in this forum. Try Morningstar's forum - and don't forget to ask for a statement of Net Worth and a copy of the latest credit report. :)
by LadyGeek
Sun Dec 16, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 43
Views: 5296

Re: Software to track asset allocation (no tickers)

^^^ Welcome! I moved your post into a more recent discussion (2017 vs. 2008).

The wiki has a few spreadsheets that will help: Using a spreadsheet to maintain a portfolio
by LadyGeek
Sun Dec 16, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

As noted earlier, this is a "no politics" forum. I removed a few off-topic posts conjecturing on political reaction to the court decision. Also, an opinion on how the government should manage pre-existing conditions.

Please stay focused on the financial aspects of your own situation.
by LadyGeek
Sun Dec 16, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: AGGG vs AGGU? (French, 30, living in Singapore)
Replies: 35
Views: 1563

Re: AGGG vs AGGU? (French, 30, living in Singapore)

...Somewhere I picked up the notion (entirely separate from the interminable debate here about whether US investors should hold foreign stocks when John Bogle says they do not need to) that the volatility minimizing exposure to foreign currencies is 30 per cent of portfolio value. But that this var...
by LadyGeek
Sun Dec 16, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Is there a machine that can automatically heat up milk (not boil) and froth it?
Replies: 6
Views: 409

Re: Is there a machine that can automatically heat up milk (not boil) and froth it?

Do you have an espresso machine? If you have a decent one, it comes with a steam output for doing exactly what you said. It will heat the milk in a few seconds, so you can do this in real-time. BTW, add hot chocolate powder to a cup of milk and heat it with that steam output tube. It will be the bes...
by LadyGeek
Sat Dec 15, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

Re: [Robinhood to offer 3% cash management program, not a bank account]

It's important to read the entire paragraph, as I believe CD protection as a security applies only to CDs held by a brokerage. Bank issued CDs are not covered by SIPC. From SIPC - Investor FAQs , I broke the last 2 sentences into a separate paragraph to make it easier to see. Is a Certificate of Dep...
by LadyGeek
Sat Dec 15, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

The discussion is getting derailed on conjecture regarding legal perspectives of the judge's decision.

Please stay on-topic, which is how the ruling impacts your own situation.
by LadyGeek
Sat Dec 15, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 68
Views: 7567

Re: "The Steak Dinner Annuity Pitch"

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

Thanks to the member who reported the post (duplicate thread), as we both missed it.

Perhaps there should be a separate discussion of The Simplest Annuity Explainer We Could Write?
by LadyGeek
Sat Dec 15, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3438

Re: Strange [job] interview- what do you think?

This thread is now in the Personal Finance (Not Investing) forum (career guidance). I also retitled the thread for clarity - added "job".
by LadyGeek
Sat Dec 15, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 317
Views: 35125

Re: Concierge medicine Worth It????

Today, my husband came home from his regularly scheduled wellness check with a pamphlet for MDVIP. :shock: The physician is starting with MDVIP after the first of the year. He gave him the full sales pitch - how he can spend "quality" time with my husband, etc. In the Philadelphia area, the cost is...
by LadyGeek
Sat Dec 15, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 55
Views: 5398

Re: Should you always use a 529?

I removed an off-topic interchange regarding scholarship qualifications based on racial background. The discussion was getting derailed.

Please stay focused on the investing aspects.
by LadyGeek
Sat Dec 15, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1594
Views: 220166

Re: QSPIX - thoughts on interesting fund

I removed an off-topic post. As a reminder, see: General Etiquette
At all times we must conduct ourselves in a respectful manner to other posters.
by LadyGeek
Sat Dec 15, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 68
Views: 7567

Re: The Free Dinner Annuity Sales Pitch, 2 NYTimes articles

This thread is now in the Personal Finance (Not Investing) forum. I didn't see this posted, so apologies if already posted and a merge request. (Don't you hate that?) A quick Google Search of this forum shows: free dinner investing seminar , which has been locked. Since the topic continually comes u...
by LadyGeek
Sat Dec 15, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

Kenkat wrote:
Sat Dec 15, 2018 11:32 am
I would point out that the court ruled that it is unconstitutional, not illegal. There is a difference.
Thanks, I fixed the thread title.
by LadyGeek
Sat Dec 15, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 9
Views: 1342

Re: Holiday Card [from Vanguard]

This thread is now in the Personal Consumer Issues forum (card).
by LadyGeek
Sat Dec 15, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

I merged Muri's thread into the on-going discussion. I have also retitled the thread. This is a strict "no politics" forum, several posts have been removed. As noted earlier, the discussion had been locked due to political opinions. Upon further review (and member request via PM), the thread is unlo...
by LadyGeek
Sat Dec 15, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: ACA Struck down...yikes [by federal judge in Texas]

After receiving a PM, this thread is now unlocked to discuss impacts of the court decision on your situation.

The thread will be locked if the discussion becomes political.
by LadyGeek
Fri Dec 14, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

Re: [Robinhood to offer 3% cash management program, not a bank account]

The "fine print" at the bottom of the page has also been updated. The cash management program is expected to be offered by Robinhood Financial LLC. The cash management program, when operational, will be an added program to Robinhood brokerage accounts and will not be a separate account or a bank acc...
by LadyGeek
Fri Dec 14, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

Re: [Robinhood to offer 3% cash management program, not a bank account]

Thanks! I have modified the first post and retitled the thread to reflect Robinhood's definition of this offering.
by LadyGeek
Fri Dec 14, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 146
Views: 9643

Re: ACA Struck down...yikes [by federal judge in Texas]

I removed several off-topic posts. This is a strict "no politics" forum. Until the law changes, discussion of the ACA's status is off-topic. 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 a...
by LadyGeek
Fri Dec 14, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 4994

Re: Forgoing health insurance

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. ...At all times we must conduct ourselves in a respectful manner to other po...
by LadyGeek
Fri Dec 14, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: What is the worst 30 year rolling return in history? Could 2000-2030 be worse?
Replies: 20
Views: 2616

Re: What is the worst 30 year rolling return in history? Could 2000-2030 be worse?

What is the worst 30 year rolling return for S and p 500? I think it's something like 8% from 1929-1959, but maybe I'm wrong. Could 2000-2030 be the worst? Right now from 2000-2018 we are at %5.4 annual return including dividend reinvestment. If we get 8% for the next 12 years, the 30 year return w...
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: 1180

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 offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

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: 90
Views: 4902

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 offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

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: 2782

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: 90
Views: 4902

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: 206088

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 offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

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 offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

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: 14
Views: 1796

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: 100
Views: 10253

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: 21689

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 offer 3% cash management program, not a bank account]
Replies: 160
Views: 10024

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: 1028

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: 470

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: 1561

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: 92
Views: 7137

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

This thread is now in the Personal Consumer Issues forum (car).