Search found 21755 matches

by LadyGeek
Fri May 25, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Where to transfer Roth?
Replies: 7
Views: 429

Re: Where to transfer Roth?

valleyman123, Welcome!

FYI - A Roth IRA gets its name from US Senator William Roth - it's not an acronym. I changed the thread title.
Named after US Senator William Roth, Roth IRAs were established by the Taxpayer Relief Act of 1997.
by LadyGeek
Fri May 25, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 18
Views: 784

Re: Book for wife on investing

How about this free download: If You Can: How Millennials Can Get Rich Slowly, by William Bernstein

Ignore that it's for millenials. The concepts are clear, simple, and easy to understand. It's also free and only 16 pages long. Start there, and see how it goes.
by LadyGeek
Fri May 25, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2303

Re: Folks, I'm calling the Tops for Bay area RE market

This thread has run its course and is locked (discussion not productive, no added value to continue, derailed in several directions). 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,...
by LadyGeek
Fri May 25, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 50
Views: 7675

Re: Wiki article - Credit freeze

Heads up, US law has changed. Placing or removing a credit freeze will be free after September 20, 2018. See: Credit freeze Please review, as the date is calculated from the date the legislation was signed into law. See my post here: Re: Free to freeze and unfreeze your credit report Comments / ques...
by LadyGeek
Fri May 25, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 10
Views: 1233

Re: Free to freeze and unfreeze your credit report

FYI - The actual legislative change applies to the Fair Credit Reporting Act. SEC. 301. PROTECTING CONSUMERS’ CREDIT. (a) In General.—Section 605A of the Fair Credit Reporting Act (15 U.S.C. 1681c–1) is amended— The wiki has been revised. See: Credit freeze (Updates to the wiki article can be discus...
by LadyGeek
Fri May 25, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 3286

Re: When did this start??

This thread has run its course and is locked (general rant). See: Personal Consumer Issues Note that topics must be directly connected to your (or your friend's or family's) life as a consumer. General comments or complaints about these topics will be locked or removed. Note that this subforum has ...
by LadyGeek
Fri May 25, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 10
Views: 1233

Re: Free to freeze and unfreeze your credit report

The bill's summary page was just that - a summary. To be sure, I checked the actual text. It was in the "text" tab: Text - S.2155 Then, click on S. 2155 (Enrolled-Bill) - XML format (your web browser understands this format, wait for the page to load) Found it! I underlined the important parts: SEC....
by LadyGeek
Fri May 25, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 757
Views: 242651

Re: Variable Percentage Withdrawal (VPW)

icetrap wrote:
Fri May 25, 2018 7:45 am
I've partially updated the returns for 2016-2017 in the accumulation-dynamic decumulation spreadsheet (only the US rates update).
Here is the wiki link: Accumulation-dynamic decumulation
by LadyGeek
Thu May 24, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: govt vs. private job offers: please help me decide!
Replies: 33
Views: 2335

Re: govt vs. private job offers: please help me decide!

rxdawg21 wrote:
Thu May 24, 2018 6:39 pm
So year 1 of switching jobs I took a 30000 salary cut plus a $2700 401k match cut (taking into account different pay and smaller Match 5% vs 6%). At year 3 Im paid 19650 less with 2300 less in 401k...
rxdawg21 - Let's give freedompsych a chance to focus on his situation.
by LadyGeek
Thu May 24, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 10
Views: 1233

Re: Free to freeze and unfreeze your credit report

Here's the official source: S.2155 - 115th Congress (2017-2018): Economic Growth, Regulatory Relief, and Consumer Protection Act | Congress.gov | Library of Congress Latest action: 05/24/2018 Became Public Law No: 115-174. TITLE III--PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS (Sec. 301) The...
by LadyGeek
Thu May 24, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Over contribution on 401k for megaroth backdoor
Replies: 16
Views: 1198

Re: Over contribution on 401k for megaroth backdoor

Assuming that money will be lost in the shuffle and can go unreported is tax evasion (not paying the correct amount of taxes due). For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable. Tax collection falls under Title 26 of US Code. Not paying taxes bypasse...
by LadyGeek
Thu May 24, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75525

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

I removed two off-topic posts regarding Alistar Weaver's tweet (editor-in-chief of Edmunds) which challenged Elon Musk to "put the customer first". The posts are derailing the thread. Please stay on-topic and focus on "to take delivery" or "not take delivery" of a Tesla 3. General rants about compa...
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: 157
Views: 4715

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: 157
Views: 4715

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: 1065

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: 1084

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: 2813

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: 2444

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: 369

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: 1084

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: 2813

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: 2444

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: 4065

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: 425

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: 82
Views: 6989

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: 5309

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: 1748

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: 14200

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: 14200

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: 829

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: 5139

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: 3271

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: 14200

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: 4065

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: 977
Views: 75525

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: 3271

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 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer tips/ mortgage rates
Replies: 10
Views: 1188

Re: First time home buyer tips/ mortgage rates

FYI - Inwa17 is requesting portfolio assistance here: New to investing 28 yo, advice on mutual funds
by LadyGeek
Sat May 19, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3351

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: 38
Views: 3351

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: 456
Views: 23298

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: 456
Views: 23298

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: 456
Views: 23298

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: 4023

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: 856

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...