Search found 22228 matches

by LadyGeek
Fri Jul 20, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 89
Views: 4469

Re: Should I Dump a Pile of Money on Young Son?

^^^ Acronym decoder:

BLUF - Bottom Line Up Front (the PowerPoint equivalent of TL;DR)
by LadyGeek
Fri Jul 20, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get a mortgage if retiring?
Replies: 8
Views: 933

Re: Can I get a mortgage if retiring?

This thread is now in the Personal Finance (Not Investing) forum (mortgage).
by LadyGeek
Fri Jul 20, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Warning: Gaping Schwab security hole!
Replies: 22
Views: 1382

Re: Warning: Gaping Schwab security hole!

This thread is now in the Investing - Theory, News & General forum (general discussion, newsworthy security alert).
by LadyGeek
Fri Jul 20, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 104
Views: 14568

Re: I ran out of credit card signups bonus...

This thread is now in the Personal Finance (Not Investing) forum (credit card).
by LadyGeek
Fri Jul 20, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: SSAFX a good Bond Fund? [State Street Aggregate Bond Index]
Replies: 5
Views: 269

Re: SSAFX a good Bond Fund? [State Street Aggregate Bond Index]

I retitled the thread to help with the ticker. There's nothing wrong with a fund that doesn't have a ticker symbol. Lots of companies do this. Dale_G is noting that SSAFX tracks the same index as Vanguard Total Bond Market (Bloomberg Barclays U.S. Aggregate Bond / U.S. Aggregate Float Adjusted Index...
by LadyGeek
Fri Jul 20, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 96
Views: 3362

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

This thread is now in the Personal Consumer Issues forum (how you spend your money and your time).
by LadyGeek
Fri Jul 20, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax + deductions
Replies: 15
Views: 1517

Re: Property tax + deductions

I removed some off-topic posts (opinions of the tax law). 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 ...
by LadyGeek
Fri Jul 20, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: An unwanted Boat
Replies: 15
Views: 1034

Re: An unwanted Boat

This thread is now in the Personal Consumer Issues forum (selling a boat). There are also some legal issues, such as reissuing a title, but we can discuss both here.
by LadyGeek
Fri Jul 20, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 144
Views: 9725

Re: What I spent in 6 months on medicare

With regards to some earlier posts, the discussion is starting to derail on another situation.

Please stay focused on the OP's question.
by LadyGeek
Fri Jul 20, 2018 2:40 pm
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 17
Views: 2821

Re: Are my posts missing or being deleted?

I removed an off-topic post. As a reminder, see: Member Rights in a Dispute , 2nd paragraph.

If anyone is missing a post, please PM a moderator (or me). The list is at the bottom of every forum page: The team

(Thread locked to end discussion.)
by LadyGeek
Fri Jul 20, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 124
Views: 9288

Re: Vanguard to offer non-Vanguard ETFs commission-free

I merged hdas's question into the on-going discussion.
by LadyGeek
Fri Jul 20, 2018 11:23 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 17
Views: 2821

Re: Are my posts missing or being deleted?

^^^ It was removed by a moderator. Please check your PM.
by LadyGeek
Fri Jul 20, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 23
Views: 1735

Re: The other side of stock buybacks

^^^ I merged GAAP's post into here.
by LadyGeek
Fri Jul 20, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Financial transparency
Replies: 19
Views: 775

Re: Financial transparency

How many more replies this topic will generate before it gets locked? I am guessing 13 more. How about you? Two. This thread has run its course and is locked (relationship issue, getting contentious). See: Acceptable Topics and Subforum Guidelines This is an investing and personal finance forum. We...
by LadyGeek
Fri Jul 20, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover question
Replies: 11
Views: 389

Re: 401(k) rollover question

Welcome! One of our tenets is "Never invest in anything you don't understand." The entire premise of doing a Backdoor Roth IRA is assuming that you will have a higher amount of income in retirement - and therefore pay more taxes. Doing the conversion wrong will be far worse than doing nothing at all...
by LadyGeek
Fri Jul 20, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 8984

Re: Why own a bed?

This thread has run its course and is locked (derailed...). 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 thre...
by LadyGeek
Fri Jul 20, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: A different take on retirement income: time segmentation
Replies: 145
Views: 8275

Re: A different take on retirement income: time segmentation

So are you more of a fan of something like the VPW for an entire portfolio, or do you have another method you personally prefer, and why? After long meandering and modeling/experimenting with numerous methods and metrics, I ended up settling on a use of the PMT function that shares numerous commona...
by LadyGeek
Thu Jul 19, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: A different take on retirement income: time segmentation
Replies: 145
Views: 8275

Re: A different take on retirement income: time segmentation

This thread is now in the Personal Finance (Not Investing) forum (withdrawal strategy). Acronym help: LMP: Liability Matching Portfolio A portfolio which produces enough guaranteed income to meet needs, such as an all-TIPS portfolio for retirement income. See: Matching strategy VPW: Variable percent...
by LadyGeek
Thu Jul 19, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 11
Views: 948

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

This thread is now in the Personal Finance (Not Investing) forum (Medicare). However, if you read carefully thru the F.A.Q section in link you provided here, it actually answers question you posed in the other thread, i.e., since you won't be deemed a "newly eligible" in 2020, could you still buy Pl...
by LadyGeek
Thu Jul 19, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Help me understand TIPs.
Replies: 44
Views: 2583

Re: Help me understand TIPs.

I'm pretty much just amusing myself here with semantics, but I'm sure you'd agree that when it comes to funding a real (not nominal) LMP, you can't beat TIPS. Well perhaps so, however I have no clue what a LMP is. Sorry. "Liability Matching Portfolio" Here's a thread grok put together that explains...
by LadyGeek
Thu Jul 19, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: [A Splendid Exchange, by William Bernstein - on sale for Kindle]
Replies: 19
Views: 1690

Re: Splendid Exchange Kindle Sale

And, to the moderators, if I've overstepped bounds, feel free to zap this and accept my apologies! This thread has been zapped to the Personal Consumer Issues forum (any book that doesn't fit the investing or personal finance category). I also clarified the thread title. For new investors, the OP i...
by LadyGeek
Thu Jul 19, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3267

Re: Bounced check

This thread is now in the Personal Finance (Not Investing) forum (check).
by LadyGeek
Thu Jul 19, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2502

Re: Fake IRS calls - anybody care?

This thread is now in the Personal Consumer Issues (scams).
by LadyGeek
Thu Jul 19, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: 403B Coal Raking! Help!
Replies: 14
Views: 1351

Re: 403B Coal Raking! Help!

I removed an off-topic comment and reply which were derailing the discussion (sexist remark).

This thread is now in the Personal Finance (Not Investing) forum (employer retirement plan legal question).
by LadyGeek
Thu Jul 19, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Please
Replies: 2
Views: 274

Re: Portfolio Advice, Please

Thanksinadvance wrote:
Thu Jul 19, 2018 4:23 pm
I am a longtime lurker and infrequent poster. I’ve been granted administration permission to use a new name for this thread.
Welcome! I confirm the member has permission for a new username. See: Usernames (accounts), 2nd paragraph.
by LadyGeek
Thu Jul 19, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Article on attributes of mentally strong people
Replies: 9
Views: 1190

Re: Article on attributes of mentally strong people

This thread has run its course and is locked (derailed - no longer about investing or personal finance). See: Personal Finance This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are: - insurance - employment issues - credit card and credit r...
by LadyGeek
Thu Jul 19, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1371

Re: When you look across the horizon.....

This thread has run its course and is locked (topic exhausted, nothing more to do). 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 ...
by LadyGeek
Wed Jul 18, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1371

Re: When you kook across the horizon.....

samsdad wrote:
Wed Jul 18, 2018 5:49 pm
If only we could edit the topic once we poat . . .
The OP can change the title by editing the Subject: line in Post #1. (So can a moderator. I fixed the spelling.)
by LadyGeek
Wed Jul 18, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trusts
Replies: 4
Views: 961

Re: Irrevocable Trusts

The OP has changed the topic of discussion (formerly about budgeting for vacation). The posts related to the prior topic have been removed.

Please stay focused on irrevocable trusts.
by LadyGeek
Wed Jul 18, 2018 7:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 424
Views: 41366

Re: Post your Financial Milestone Announcements Here

I merged Streptococcus' thread into here.

Congrats!
by LadyGeek
Wed Jul 18, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advice adjusting Asset Allocation
Replies: 25
Views: 1230

Re: Advice adjusting Asset Allocation

reddison - You had a duplicate post, which I merged into here. The post is different than the one following it, I'm not sure which one you intended to use. Feel free to edit either post to remove the duplicate content - combine as necessary. Bump the post when you are done to let everyone know it's ...
by LadyGeek
Wed Jul 18, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5959

Re: Any Boglehead powerlifters?

FYI - There's a relevant discussion here: Older Women Lifting Weights
by LadyGeek
Tue Jul 17, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 5
Views: 711

Re: Roth conversion

This thread is now in the Personal Finance (Not Investing) forum (Roth IRA conversion).
by LadyGeek
Tue Jul 17, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax -- Forms 8814 and 8962 (Household income calculations for PTC)
Replies: 4
Views: 356

Re: Turbo Tax -- Forms 8814 and 8962 (Household income calculations for PTC)

Remember that you are responsible for the tax return, not TurboTax. Most tax software allows you to override almost any entry field, so you can correct whatever is needed to ensure your return is properly prepared. The customer service rep was backpedaling to avoid giving you tax advice. Do you thin...
by LadyGeek
Mon Jul 16, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Alignment Guidance
Replies: 8
Views: 684

Re: Portfolio Alignment Guidance

FYI - The OP has modified the first post with his portfolio info.
by LadyGeek
Mon Jul 16, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 77
Views: 5220

Re: Tell me what's wrong with my strategy

BTW, Netflix just tanked 14% in after-hours trading today. Suppose it drops further tomorrow?

If this makes you feel uncomfortable, see this wiki article: Risk tolerance
by LadyGeek
Mon Jul 16, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 20
Views: 1716

Re: California Homeowners - Do you have earthquake insurance?

That link is a general search. The OP would like information for his/her own situation. Let's keep the discussion going, there's no need to remove it. (Otherwise, if you think this discussion belongs in a specific thread, report the post using the "!" in the top-right corner of the post and explain ...
by LadyGeek
Mon Jul 16, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 2046

Re: Does it make sense to change 3 fund portfolio into 2 fund portfolio by switching VTI and VXUS with VT?

You already have an open thread on this subject from Sunday morning. In that thread the analysis of the expense ratio was already expressed and acknowledged by you before you posted this thread this morning . https://www.bogleheads.org/forum/viewtopic.php?f=1&t=253997&p=4022178#p4020665 Cheers In O...
by LadyGeek
Sun Jul 15, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9459

Re: When does frugal cross the line to cheapskate?

This thread has run its course and is locked (below acceptable threshold). 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-spi...
by LadyGeek
Sun Jul 15, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: turnover rate impact on return
Replies: 13
Views: 828

Re: turnover rate impact on return

This thread is now in the Investing - Theory, News & General forum (theory).
by LadyGeek
Sun Jul 15, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 77
Views: 5220

Re: Tell me what's wrong with my strategy

This thread is now in the Investing - Help with Personal Investments forum (portfolio help). While researching and auditioning the likes of Fidelity, Vanguard, etc, I've also been toying with managing my portfolio myself. I should add that I do want to maximize growth wherever possible. So I had a b...
by LadyGeek
Sun Jul 15, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4412

Re: FireCalc: How big a grain of salt?

Will do good wrote:
Sun Jul 15, 2018 8:35 pm
OMY and you will be fine, if still fearful than another OMY. OMY. OMY. OMY. OMY.

To be honest, if BH could be in trouble by not having enough, imagine what the rest of the country/world would be like. YOLO :sharebeer
Acronym help:

OMY - One More Year
YOLO - You Only Live Once
by LadyGeek
Sun Jul 15, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Perpetual Withdrawal Rate
Replies: 9
Views: 1503

Re: Perpetual Withdrawal Rate

This thread is now in the Personal Finance (Not Investing) forum (retirement planning). Jim Otar's paper is in this thread: Perpetual Withdrawal Rates , May 28, 2011. Also see: Computing a Safe Withdrawal Rate (SWR) concisely , Feb 05, 2018, by siamond (see previous post) You can also do a forum sea...
by LadyGeek
Sun Jul 15, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8895

Re: What rate of return are you using for retirement projections?

Thank you. Is there a way to quantify the drag of these risks? In particular, the sequence of returns. 1210 Portfolio drag can be quantified in terms of Variance drain (volatility drag), but that's not what you're asking. I found this deep-dive article: Understanding Sequence Of Return Risk & Safe ...
by LadyGeek
Sun Jul 15, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 1043

Re: need help pls

^^^ What he said.

If you get stuck on something, don't wait until the end of the week. Ask for help here as soon as you need it. We'll be able to answer your questions and let you know what's important.
by LadyGeek
Sun Jul 15, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: need help pls
Replies: 19
Views: 1043

Re: need help pls

^^^ What 22twain and retiredjg said. Let's step back and take a slow approach. The best way to learn is to try and write everything down for yourself. (I use a spreadsheet, but whatever is easy for you.) See: Investment policy statement and do what it says. Since you're just starting out, skip to th...
by LadyGeek
Sun Jul 15, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4412

Re: FireCalc: How big a grain of salt?

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