Search found 33127 matches

by LadyGeek
Mon Aug 02, 2021 7:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

Three minutes after my post, my account balance changed and the money showed up as "Cash available to trade". Ticket sales weren't an option, so Virgin Galactic will have to wait. When it is time to buy your ETF shares, if you use the app, you will be able to place the order in dollars on ...
by LadyGeek
Mon Aug 02, 2021 7:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

The big adventure. Lady Geek learns to trade at Fidelity Brokerage. How will this story turn out? Sort of like watching the weekly matinee at the theatre where our heroine is tied up on the railroad tracks and the train rounds the bend. . .the credits come up and the movie ends. Got to come back ne...
by LadyGeek
Mon Aug 02, 2021 5:47 pm
Forum: Personal Consumer Issues
Topic: How Do You Tell Who Is Winning The Olympics
Replies: 9
Views: 565

Re: How Do You Tell Who Is Winning The Olympics

This thread has run its course and is locked (delving into politics, political slant of news coverage). 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:...
by LadyGeek
Mon Aug 02, 2021 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1210
Views: 366922

Re: Retiree Portfolio Model

Hi,

I assume you're not asking about the spreadsheet (what this thread is for).

Please start a new thread in the Personal Finance (Not Investing) forum (this one) and explain your situation in detail. Include your state of residence (PA?). We'll be happy to help.
by LadyGeek
Mon Aug 02, 2021 3:52 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 498
Views: 41657

Re: So what are you cooking

My tomato plants have started producing. The usual way to use lots of tomatoes is to make sauce and freeze it. I found something easier: Gazpacho The quantities are off because I wanted to use up all of my fresh tomatoes. Here's what I used (different than the recipe, but it's what I had): - Enough ...
by LadyGeek
Mon Aug 02, 2021 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roast our budget
Replies: 51
Views: 2589

Re: Roast our budget

This thread has run its course and is locked (topic exhausted, distress to the community). 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
Mon Aug 02, 2021 2:34 pm
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

Are they disabling secure message clients to see if anyone notices? As I've stated earlier, I would never have been able to get my backdoor Roth transaction unwound without it. How do you send them a document securely? How do they send one back to me? Upload it to Google Drive and share the link? A...
by LadyGeek
Mon Aug 02, 2021 1:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

^^^ Nice.

Both the Fidelity and TD Ameritrade tools should go in the wiki. I can get to it later, unless another wiki editor wants to take a stab at it.

I'm thinking to put them in Tools and calculators (Portfolio tools) but there might be a better location.
by LadyGeek
Mon Aug 02, 2021 1:38 pm
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

I just received an answer to the question I posed to Vanguard via email: Dear Broken Man 1999, Thank you for taking the time to contact us about the ability to send emails. Vanguard is always testing new experiences and those experiences may vary from client to client. When we test out changes to o...
by LadyGeek
Mon Aug 02, 2021 10:57 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

A few years ago, I mucked up a Mega-backdoor Roth . With lots of help from this forum, I sent secure messages to my Flagship rep asking him to unwind that transaction. There was some initial progress. After not hearing anything after a few months, I sent them more secure messages. The situation was ...
by LadyGeek
Mon Aug 02, 2021 10:44 am
Forum: Investing - Theory, News & General
Topic: Investing in Precious Metals
Replies: 8
Views: 577

Re: Investing in Precious Metals

I removed a post and reply suggesting illegal activity. The post will be removed even if the suggestion was made in jest.
by LadyGeek
Mon Aug 02, 2021 10:12 am
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 33
Views: 2071

Re: Should I buy a new PC vs upgrade

^^^ If this is your first time with Linux, I recommend sticking with one of the top supported distros.

I'm currently using Ubuntu with the Cinnamon desktop. It's very close to MS Windows.
by LadyGeek
Mon Aug 02, 2021 10:06 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

I just finished talking to a Vanguard investment specialist. They've confirmed that they are getting rid of our ability to send secure messages. The 'messaging center' will stay in place so Vanguard can send messages to us (account statements/etc.) but we will not be able to send messages to them. ...
by LadyGeek
Mon Aug 02, 2021 9:59 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

^^^ We posted at the same time. That's big news. Dear Mr Xxxxxx, Thank you for your email. I am happy to assist. This would not affect you. Therefore, please continue to send any questions or requests via this same channel. Please let us know if you have any additional questions regarding this. Best...
by LadyGeek
Mon Aug 02, 2021 9:55 am
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 240
Views: 17400

Re: How much Gold do you own and why?

I removed a post discussing cryptocurreny. As a reminder, cryptocurrency as an investment is off-topic. See: Greater Fool Investing Strategies Eventually, one runs out of greater fools. - Burton Malkiel Discussions of investment strategies based on securities or physical assets that have no underly...
by LadyGeek
Mon Aug 02, 2021 9:29 am
Forum: Personal Finance (Not Investing)
Topic: GE Pension Buyout
Replies: 89
Views: 15144

Re: GE Pension Buyout

FYI - Here's the GE news discussion: Heads up for GE stock owners.... [Reverse stock split]
by LadyGeek
Mon Aug 02, 2021 9:27 am
Forum: Investing - Theory, News & General
Topic: Heads up for GE stock owners.... [Reverse stock split]
Replies: 5
Views: 942

Re: Heads up for GE stock owners.... [Reverse stock split]

This thread is now in the Investing - Theory, News & General forum (news). I also clarified the thread title.
by LadyGeek
Mon Aug 02, 2021 7:28 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

I just logged into my account and there was one secure message waiting for me. (I got an email saying my statement was ready.)

Update: Removed prior comment, a single statement is correct.
by LadyGeek
Mon Aug 02, 2021 7:06 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

^^^ We posted at the same time. The other alternative explanation was it accidentally got out in the wild during testing. The message was a bit vague without actual dates. Looks almost like a placeholder. I never saw the message myself, just what was posted here. Your explanation makes sense. This d...
by LadyGeek
Mon Aug 02, 2021 6:23 am
Forum: Investing - Theory, News & General
Topic: Investing in Precious Metals
Replies: 8
Views: 577

Re: Investing in Precious Metals

Welcome! This may not be the best place to ask your question. This forum follows "Investing Advice Inspired by Jack Bogle", which is to invest in the entire market using a long-term buy-and-hold approach. You can find more information here: Bogleheads® investment philosophy Also see: Getti...
by LadyGeek
Mon Aug 02, 2021 6:02 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

For everyone’s sake, I hope they’re not going to replace the service with some sort of peer support a la Apple and Microsoft, where you have frustrated people trying to find a definitive answer to their question while their fellow sufferers attempt to guide them through a never-ending maze of FAQs ...
by LadyGeek
Sun Aug 01, 2021 7:45 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 33
Views: 2071

Re: Should I buy a new PC vs upgrade

This thread is now in the Personal Consumer Issues forum (PC vs. upgrade).
by LadyGeek
Sun Aug 01, 2021 7:44 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 530
Views: 428266

Re: Suggestions for the Wiki

Thanks! I added SORR to the acronym list. See: Abbreviations and Acronyms (S)
by LadyGeek
Sun Aug 01, 2021 7:07 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

Then I won't feel so bad about the $0.05 in my HSA. :)

Actually, I think it's good to keep that $0.05. I'm no longer employed (retired) and if I close the account the HSA is gone forever. I'm planning to stay retired.
by LadyGeek
Sun Aug 01, 2021 6:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

^^^ The website wouldn't let me do that. If there's a workaround, that's fine. For my first time trading at Fidelity, I think it's better to start off with the method that's guaranteed to work. When it is time to buy your ETF shares, if you use the app, you will be able to place the order in dollars...
by LadyGeek
Sun Aug 01, 2021 6:47 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

^^^ Yes, I was wondering if anybody caught that. :wink: :D There's nothing like doing this with your own money, especially when you are putting your life's savings on the line. It's a small percentage of what I have, but it's still some serious scratch. Emotion never appears in any equation, but it ...
by LadyGeek
Sun Aug 01, 2021 6:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

^^^ Thanks! This is so very different than Vanguard. It seems like Fidelity understands how to handle brokerages from the start. Everything you could possibly need for trading is already in your account. Vanguard does investing well, but then decided to switch everyone to a brokerage account - it se...
by LadyGeek
Sun Aug 01, 2021 4:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

There is no settlement fund. It was a direct transfer into my account from a Fido rep who handled the decedent's estate.

Perhaps I should try to sell all shares and hopefully, it will ask me to create a cash account?
by LadyGeek
Sun Aug 01, 2021 4:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

My first taxable account transaction at Fidelity hit a snag. Exchanging shares from a Fidelity mutual fund to a Vanguard ETF is a two-step process. You first need to sell all the Fidelity shares, then buy the Vanguard ETF with the cash. Fidelity calls this a "Cross-family" trade. There's a...
by LadyGeek
Sun Aug 01, 2021 3:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

Following a similar approach, I added VTI - Vanguard Total Stock Market ETF and iShares Core S&P Total U.S. Stock Market ETF | ITOT to the mix. I'm linking to the Vanguard and iShares websites because the Fidelity pages aren't so helpful when you want to look at ETF after-tax performance. Here's...
by LadyGeek
Sun Aug 01, 2021 2:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

I thought the conclusion would be that you would invest the same amount in each of FZROX, FSKAX, and a 3rd fund such as VTI. You would just spend any leftover dollar or penny. Also you would withdraw the money for taxes from each of the funds, for a true after-tax result. Then you would keep track ...
by LadyGeek
Sun Aug 01, 2021 1:17 pm
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 240
Views: 17400

Re: How much Gold do you own and why?

I removed several off-topic posts. 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. and Member Rights in a Dispute , 2nd par...
by LadyGeek
Sun Aug 01, 2021 12:50 pm
Forum: Forum Issues and Administration
Topic: Forum etiquette: Letting users know what you decide and/or how things went
Replies: 20
Views: 2582

Re: Forum etiquette: Letting users know what you decide and/or how things went

^^^ The OP may have missed that a "like" button has been discussed in this forum before. It's not going to happen. See: Why not add a "like" button to Boglehead posts?
by LadyGeek
Sun Aug 01, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6925
Views: 1497093

Re: What Movie Have You Recently Watched?

The Revenant on Blu-ray DVD, 2015, rated R, Leonardo DiCaprio. A fur trader gets mauled by a bear and tracks down the guy who betrayed him. A story of the will to live shown in graphic detail. The scenery is stunning, very artistic. This movie is an interesting change of pace and kept my attention....
by LadyGeek
Sun Aug 01, 2021 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How much financial support do you plan on giving to your kids after high school?
Replies: 177
Views: 13610

Re: How much financial support do you plan on giving to your kids after high school?

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
Sun Aug 01, 2021 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!
Replies: 35
Views: 2767

Re: Your Total Income Tax Deductions When Retired and Playing the 12% Tax Rate Game!

Some excellent comments in this thread. To the extent you don’t need distributions for living expenses, Roth conversions at 12% are likely to be beneficial. Note that the standard deduction is scheduled to revert to pre-2018 law in 2026. Oh. That's a very good point. The problem is that the standar...
by LadyGeek
Sun Aug 01, 2021 10:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

Thanks, I added the net expense ratios to my post. The problem with deep-diving into the technical stuff is that you sometimes forget the basics. :)
by LadyGeek
Sun Aug 01, 2021 9:55 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

The one with the best tools wins. See: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

(I haven't made a decision on moving to Fidelity yet, but wanted to make that post.)
by LadyGeek
Sun Aug 01, 2021 9:49 am
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 65
Views: 4052

Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

Following from my post here , I received a small inheritance in my Fidelity taxable account. This is a muni bond fund, but not for my state of residence (PA). That needs to change. The fund arrived earlier this week with the cost basis reset to the day it hit my account. The fund represents < 2% of ...
by LadyGeek
Sun Aug 01, 2021 8:47 am
Forum: Investing - Theory, News & General
Topic: How much Gold do you own and why?
Replies: 240
Views: 17400

Re: How much Gold do you own and why?

I removed a post indirectly referring to cryptocurrency as an investment. As a reminder, cryptocurrency as an investment is off-topic. See: Greater Fool Investing Strategies Eventually, one runs out of greater fools. - Burton Malkiel Discussions of investment strategies based on securities or physi...
by LadyGeek
Sun Aug 01, 2021 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for young kids
Replies: 8
Views: 831

Re: Roth IRA for young kids

A member notified us that the OP most likely did not understand how a Roth IRA works with regards to employment. From the wiki Roth IRA : Contributions may be made only by those having taxable compensation and making under a certain income; anyone can convert a Traditional IRA to a Roth. Contributio...
by LadyGeek
Sat Jul 31, 2021 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for young kids
Replies: 8
Views: 831

Re: Roth IRA for young kids

Discussions of dishonest behavior or bypassing the law is totally unacceptable. The question has been answered (Roth IRAs require earned income - employment).

This thread has run its course and is locked (tax evasion).


Update: See below.
by LadyGeek
Sat Jul 31, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Covid test kit for returning from international travel.
Replies: 45
Views: 3907

Re: Covid test kit for returning from international travel.

This thread is on-topic as a consumer issue - where testing is required and the test kits. Please avoid discussing the need for a vaccine or the effectiveness of the test kit (medical advice). See: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for m...
by LadyGeek
Sat Jul 31, 2021 6:28 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 553
Views: 98245

Re: Good Modern Science Fiction

Redemption Ark , by Alastair Reynolds. Book #2 of the Revelation Space trilogy. I'm finding it better than Book #1 (Revelation Space) and will keep going. Absolution Gap , by Alastair Reynolds. Book #3 of the Revelation Space trilogy. I just started reading it and it seems interesting. This is the ...
by LadyGeek
Sat Jul 31, 2021 3:50 pm
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

OK, that's better than I thought. If the flagship rep isn't getting an email and only accesses the info via web browser, that's OK by me.

Removal of the Message Center will factor in my decision to move to Fidelity (or stay with Vanguard).
by LadyGeek
Sat Jul 31, 2021 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Who has experience with reverse mortgages?
Replies: 1
Views: 356

Re: Who has experience with reverse mortgages?

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

The wiki has some background info: Reverse mortgages
by LadyGeek
Sat Jul 31, 2021 3:22 pm
Forum: Personal Consumer Issues
Topic: Good mask for exercising
Replies: 26
Views: 1726

Re: Good mask for exercising

I removed a post and reply which challenged WHO (World Health Organization) recommendations on wearing masks for exercise. 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 Libra...
by LadyGeek
Sat Jul 31, 2021 3:02 pm
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

OK, I logged into my Vanguard account and still see no pop-ups or notice of impending change in secure messaging. On my account overview page, I see a link that says "New secure message". I click on the link and it says "Send a message to your Flagship Representative". From: Lady...
by LadyGeek
Sat Jul 31, 2021 3:02 pm
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 436
Views: 23937

Re: VG Removing Message Center [Vanguard]

^^^ There is no concern for holding funds at a single brokerage - because they don't hold the funds. See the wiki: Vanguard safety (Custody) One of the warning signs of the Ponzi schemes conducted by Bernie Madoff and Stanford Financial was that both institutions self-custodied their assets. That i...