Bogleheads.org

I removed a post regarding the unfairness of ACA subsidies (health care policy). As a reminder, see: Non-actionable or 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
• conspiracy theories of any type
• discussions of the crimes, shortcomings or stupidity of other people, whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done.

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

I merged Diaperman1's thread into the ongoing website discussion.

The app can be discussed in: Vanguard's new mobile app (formerly known as "Beacon")

(Thanks to the member who reported the post and explained what's wrong.)

I removed off-topic medical comments and images (quadricep cross-section). The reasons medical advice is not permitted in this forum: 1. This is an anonymous internet forum. It is not possible to verify anyone's identity (nor do we want to). Credentials also imply accurate advice, which may not always be the case. 2. There can be disagreement among experts, which can be harmful if someone is basing a medical decision on the advice. 3. A member's description may be incomplete. 4. Readers will misinterpret the member's description. 5. Readers will misinterpret the given advice. Since real harm can be done, we do not permit medical advice and is the reason for the first sentence in: Medical Issues Questions on medical issues are beyond the sc...

Exactly. Timing of when those motors start should be considered.

An important side note - You also have to size the circuit breaker accordingly. No, don't double the breaker size. Google "circuit breaker sizing inrush current" for a ton of info.

I haven't seen anyone mention surge current. The startup current for motors can sometimes be twice as high as the steady-state (running) mode of operation. Think of anything with a motor - well pumps, sump pumps, home heater fans, and refrigerators.

This is especially important when calculating the capacity of a home generator, but the same should apply here.

The calculator is also listed in the Bogleheads blog: Social Security Calculator

I mentioning this because someone emailed us that the blog was out-of-date and had an incorrect link. The blog has been revised.

Comments / questions / corrections to the blog page are welcome.

(I also fixed a typo in the thread title - add a comma to "etc.")

For our new investors, Bill Bernstein is William Bernstein.

(I added a colon ':' in the thread title for readability.)

This thread has run its course and is locked (topic exhausted, rehashing the same points). 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 thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.

aboose wrote: ↑Mon Mar 13, 2023 3:10 pm Someone should make a thread about home gyms while we're at it. That's my dream, and to splurge on nice equipment like Eleiko stuff...

There was a subsequent discussion which I've moved into a new thread. Here you go: Bogleheads powerlifters - What equipment are you using for a home gym?

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

This thread is now in the Investing - Theory, News & General forum (general discussion).

This thread has run its course and is locked (general economic discussion). As noted in the site owner's post in the locked thread Re: U.S. stocks in free fall : A reminder from the forum policies: Investing - Theory, News & General If it's investment related and it doesn't fall into the above category it goes here. General economic discussions do not fall under the category of "investment related". Nor do they fall under the allowed topics in any of our other forums. You will have to find another site or outlet if you wish to take part in such discussions. Just in case the previous was unclear, we specifically addressed this issue in the following policy: Non-actionable (Trolling) Topics If readers can't do anything with the...

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 situation. You can also ask on behalf of someone specific, such as a family member.

- It must be actionable. You must be able to do something specific with the replies that will make a difference in your situation.

If you have a specific question, please ask directly and provide sufficient information for members to supply appropriate advice.

Fremdon Ferndock wrote: ↑Sun Mar 19, 2023 11:31 am This is concerning, especially Citi.



https://awealthofcommonsense.com/

For correct attribution, the article is posted here: More Money Doesn’t Make You Better at Managing Your Finances

However, the image is actually sourced from: Why failed Silicon Valley Bank was an outlier which is the focus of this thread.

I merged Fremdon Ferndock's thread into the ongoing discussion.

Kagord wrote: ↑Sun Mar 19, 2023 8:58 am If you want a movie that actually requires at least 2 of the 3 traits you list to discuss and attempt (I don't say this lightly) to comprehend what you just watched, I recommend Primer (2004).

Thanks! A sci-fi movie about engineers? Count me in. It's showing as a $3.99 rental on Amazon Prime. I'll probably watch it next weekend. Ratings on Rotten Tomatoes and IMDB look OK. It's also mentioned in this thread.

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

This thread is now in the Investing - Theory, News & General forum (general discussion).

When someone says "financial advisor", the implication is usually someone who manages your investments. See the wiki: Investment adviser

This is not the same as a "financial planner". See: Financial planner and be sure you understand the difference.

News of the World, $3.99 rental on Amazon Prime, rated PG-13, Tom Hanks, 2020, action / adventure / drama. A civil war veteran takes a girl to her aunt and uncle in south Texas. I would call this more of a serious drama. Tom Hanks makes this movie. I liked it.

Amazon Prime also offers this movie free with ads, but I don't want to watch a movie interrupted with ads.

I removed an off-topic post and reply. As a reminder, see: General Etiquette

At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable.

It's Saturday night - The Blues Show with Jonny Meister: 3/18/23

I'm "streaming" it live in Philadelphia on FM radio station 88.5 WXPN.

One reason I love the blues is the selection of song's subject matter. You get comfortable listening to the usual stuff and then get thrown something that makes you stop in your tracks. "I can't stand you" by the Cash Box Kings was hilarious.

Other reasons are the artists' creativity. Not only in lyrics, but how the players express their emotions through the instruments. This is also why I like the follow-up Blue Dimensions at midnight.

I've managed to get my toaster oven no-knead bread recipe figured out. Here's my latest for a chia seed bread. This is for baking in a 9" x 4" x 4" Pullman bread pan (it fits in the oven). Mix the dry ingredients first. 3-3/4 cups King Arthur bread flour 1-1/2 tsp salt 1-pack Red Star active dry yeast (7 g) 1 Tablespoon chia seeds Add the water last, mix to form a dough. 16 oz water Cover with plastic wrap and let it rise overnight in the oven with the light on. Second rise Grease a Pullman bread pan. Degas the dough and lay it into the pan. Cover with plastic wrap. Let it rise until it almost reaches the top, about 45 minutes. Put the Pullman pan lid on and let it rise for a few minutes more until the dough hits the bottom o...

For the last full weekend of winter (and that I was in the mood for it) - Classic Beef Meatloaf.

I did the 3-meat variation using 1 lb. 85/15 (beef / fat) ground beef, 1/4 lb. veal, 1/4 lb. pork.

I also made a side of packaged Macaroni and Cheese.

There's nothing like a "classic" dish.

I removed an off-topic post conjecturing on global warming. This thread has run its course and is locked (derailed on energy policy). See: Personal Consumer Issues This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Acceptable topics include: - consumer goods and services (e.g., dress shirts, laptops, software) - home maintenance - vehicle purchases and maintenance - leisure and recreational activities: travel, sports, entertainment 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 removed. Note that this subforum has a much lower threshold for locking or rem...

This thread is now in the Personal Finance (Not Investing) forum (tax filing question).

Thedoc2049 has a question which I've moved into a new thread. See: Should I sell my 30 day T-Bill?

(Thanks to the member who reported the post and explained what's wrong.)

This is a "No politics" forum. I removed a post describing a search for a political leader's ties to another country. See: Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: Common religious expressions such as sending your prayers to an ailing member. Usage of factual and non-derogatory political labels when necessary to the discussion at hand. Discussions about enacted laws or regulations that affect the individual investor. Note that discussions of proposed legislation are prohibited. Proposed regulations that are directly related to investing may be discussed if and when they are publishe...

JoMoney wrote: ↑Sat Mar 18, 2023 6:41 am ...If your "core" MM fund is at (or drained to) $0 balance, and you have cash in another MM (like FZDXX) that is "available to withdraw", then Fidelity will attempt to use those funds to satisfy an ACH direct-debit like the request to transfer cash to Vanguard.

You can see this by viewing the "Balances" tab in your portfolio. Click on the "i" (info button) above "Available to withdraw".

Cash available to withdraw

Amount collected and available for immediate withdrawal. This balance includes both Core and other Fidelity Money Market funds held in the account...

This thread has run its course and is locked (other people). See: Non-actionable or 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
• conspiracy theories of any type
• discussions of the crimes, shortcomings or stupidity of other people, whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done.

This thread has run its course and is locked (topic exhausted, discussion 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 posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.

To do a comparison in general, I would say to compare the Present Value of the CD and T-bill.

Investments that follow the time value of money equations are in the wiki here: Comparing investments (a CD does this)

However, bonds (T-bills) don't follow those equations. Instead, see the wiki for calculating the Present Value of a bond. Bond pricing You can do this with a spreadsheet.

dave1054 - You had a duplicate post, which I've removed. There were no replies.

Update: This thread is now in the Investing - Theory, News & General forum (theory).

protagonist - You had a duplicate post, which I've removed. There were no replies.

(Thanks to the member who reported the post and explained what's wrong.)

Leesbro63 has a question which I've moved into a new thread. See: What to do with TIPS in high tax-bracket taxable accounts?

(Thanks to the member who reported the post and explained what's wrong.)

Savings accounts are a hybrid. Most have limits on the number (but not amount) of withdrawals in a month. I'm not an expert, but federal regulations limit savings accounts to 6 transactions per month as defined by something called "Requirement D'. From Regulation D - Reserve Requirements (Federal Reserve): Regulation D requires that an account, to be classified as a ‘‘savings deposit,’’ must not permit more than six convenient transfers or withdrawals per month from the account. Transfers and withdrawals that are considered ‘‘convenient’’ for this purpose are those made by preauthorized, automatic, telephonic agreement, order or instruction, or by check, debit card, or similar order made by the depositor and payable to third arties. 1...

This thread is now in the Personal Finance (Not Investing) forum (tax form). I also retitled the thread.

Welcome! FYI - That link is asking for a login.

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 situation. You can also ask on behalf of someone specific, such as a family member.

- It must be actionable. You must be able to do something specific with the replies that will make a difference in your situation.

If you have a specific question, please ask directly and provide sufficient information for members to supply appropriate advice.

I merged AQ's thread into the ongoing discussion.

I merged seanbaby's thread into the ongoing discussion. I also retitled the thread.

mingstar is working on it.

I removed a contentious interchange regarding dog ownership (who should own a dog). The discussion was derailed. 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. Discussions are about issues, not people. If you disagree with an idea, go ahead and marshal all your forces against it. But do not confuse ideas with the person posting them. At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable. If you feel that someone has attacked you or...

mingstar (site owner and server admin) is looking at it now.

cubfan - You had a duplicate post, which I've removed. There were no replies.

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

I merged RANkiDEr's thread into the ongoing discussion.

(Thanks to the member who reported the post and provided a link to this thread.)

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

See the wiki: Paying down loans versus investing