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by LadyGeek
Tue Apr 24, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 61
Views: 4810

Re: Nomadic lifestyle in their 50s

This thread is now in the Personal Consumer Issues forum (where to live).
by LadyGeek
Tue Apr 24, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 9251

Re: Salary Negotiation gone sour

This thread has run its course and is locked (topic exhausted, no added value to continue). 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 ...
by LadyGeek
Tue Apr 24, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 38
Views: 1506

Re: Vanguard Surveys

I merged neurosphere's thread into here. The combined thread is in the Investing - Theory, News & General forum (Vanguard surveys).
by LadyGeek
Tue Apr 24, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 38
Views: 1506

Re: Vanguard Surveys

A few weeks ago, my better half was invited to be a Vanguard Steering Community Member. Dear Mr. LadyGeek, Would you like to help make decisions about Vanguard products and services? Now's your chance! As a member of our online market research group, the Vanguard Steering Community, you'll have the ...
by LadyGeek
Tue Apr 24, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 17
Views: 1164

Re: [Vanguard account locked out due to deceased owner]

mawvan, Welcome! I moved your post into a stand-alone thread, as this is standard procedure anywhere you go. If you have a Power of Attorney, it stopped upon the death of your father. Contact Vanguard (again) and ask them how to proceed. You'll be passed to someone who specializes in estate matters,...
by LadyGeek
Tue Apr 24, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 47
Views: 4006

Re: Customer Service with Vanguard

New member mawvan has a question which I've moved into a stand-alone thread: [Vanguard account locked out due to deceased owner]
by LadyGeek
Tue Apr 24, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 947
Views: 162540

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

^^^ The wiki has some background info: Transferring funds (Securities transfer (ACATS))
by LadyGeek
Mon Apr 23, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2660

Re: Your own General Contractor

This thread is now in the Personal Consumer Issues forum (home).
by LadyGeek
Mon Apr 23, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Questions
Replies: 11
Views: 1546

Re: Mortgage Payoff Questions

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

luckie1, Welcome!
by LadyGeek
Mon Apr 23, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Small Roth, big RMD--advice?
Replies: 14
Views: 1740

Re: Small Roth, big RMD--advice?

I fixed the spelling in the thread title, as "ROTH" is not an acronym. See the wiki: Roth IRA
Wiki wrote:Named after US Senator William Roth, Roth IRAs were established by the Taxpayer Relief Act of 1997.
paths&pedals, Welcome!
by LadyGeek
Mon Apr 23, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. Investment Giant(Vanguard) Brings Its Low-Cost Revolution to China
Replies: 5
Views: 502

Re: U.S. Investment Giant(Vanguard) Brings Its Low-Cost Revolution to China

I merged davidkw's post into here. The forum software sorts by time - MFInvestor was first. FYI - If anyone sees a new thread started, please report the post so it can also be merged into here. You can report the post using the "!" in the top-right corner. One of the reasons is "Duplicate thread". T...
by LadyGeek
Mon Apr 23, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 30
Views: 718

Re: Please Evaluate My Portfolio and Make Recommendations

Heymahn - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your life insurance question and update back into your portfolio thread (this one). The combined thread is in the Investing - Help with Personal Investments forum. The reason is that we need to...
by LadyGeek
Mon Apr 23, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What type of loan? [until funds received from estate settlement]
Replies: 16
Views: 1117

Re: What type of loan?

The OP has a related question here: How long does a will last? [Time to settle the estate]

I also retitled the thread for clarity.
by LadyGeek
Sun Apr 22, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 92
Views: 5439

Re: Any value investor buying a Russia fund?

This thread has run its course and is locked (derailed on corruption).
by LadyGeek
Sun Apr 22, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Spreading Bond Safety to Taxable [Portfolio help]
Replies: 12
Views: 888

Re: Spreading Bond Safety to Taxable [Portfolio help]

Welcome! In order to give appropriate advice, it's best to keep all the information in one spot. I merged your questions together because we need to see your portfolio in its entirety. You have two separate questions, but the right answer depends on knowing what's in both posts. May I recommend you ...
by LadyGeek
Sun Apr 22, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance with Stock Options
Replies: 5
Views: 536

Re: Guidance with Stock Options

Welcome! I recommend you edit your post to remove the name of the company. This forum is heavily indexed by google. Information posted here can be linked with information found elsewhere on the internet. Someone, including an employer, may be able to identify you personally. We don't need the name t...
by LadyGeek
Sun Apr 22, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 248
Views: 14127

Re: KF's simple rules to achieve FI

Before this escalates further, 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.
Please state your concerns in a civil, factual manner.
by LadyGeek
Sun Apr 22, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Accounts - 401K plus individual IRA
Replies: 6
Views: 363

Re: IRA Accounts - 401K plus individual IRA

manedark has a detailed question in his thread here: Max out 401K with Empower or open a separate IRA (non-resident alien living in the US)

Please answer manedark's question in that thread. This discussion is to help Atherton.

Atherton and manedark, Welcome!
by LadyGeek
Sun Apr 22, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

Yes, which is why I suggested a phone call. My bill represents the service provided by the local community.
by LadyGeek
Sun Apr 22, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

That does seem low. For my local area, I have an actual bill for 2017. Basic emergency service: $1,377.05 + $8 / mile Insurance paid: $1,239.75 Out of pocket payment: $149.15 Why don't you call the ambulance service and ask them what they charge? Give that info to the lawyer and let him deal with it.
by LadyGeek
Sun Apr 22, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 32
Views: 1263

Re: Opinions on SPTM ETF in taxable for US stock index fund

ChinchillaWhiplash - It's best to keep all the information in one spot. I merged your question back into the original thread.
by LadyGeek
Sun Apr 22, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: How to Hedge Currency Risk? [for US ex-pats and non-US investors]
Replies: 8
Views: 522

Re: How to Hedge Currency Risk? [for US ex-pats and non-US investors]

This thread is now in the Investing - Theory, News & General forum (general discussion). I also retitled the thread for clarity.

If someone can suggest content for the wiki, post here.

dphilipps - If you want to become a wiki editor and write the article yourself, please PM me.
by LadyGeek
Sun Apr 22, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 137
Views: 7884

Re: I’m still not a fan of international bond funds

sorry, I've looked up the wiki and under Fixed Income Allocation Table the High Yield bonds are at 10%, so that the numbers don't add up (the total is 90%). Perhaps High Yield bonds should be updated to 20? Wiki should read 60, 20, 20 vice 60/20/10, please check. Gracias por leer / cfs You are both...
by LadyGeek
Sun Apr 22, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 92
Views: 5439

Re: Any value investor buying a Russia fund?

Please stay focused on the investing aspects. Opinions of corruption and dishonesty are off-topic.

Update: I removed an off-topic post below. We posted at the same time.
by LadyGeek
Sun Apr 22, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 137
Views: 7884

Re: I’m still not a fan of international bond funds

^^^ Thanks, the wiki has been revised: Emerging market bonds , please review. I removed the 2006 first edition statements from the "Arguments for holding emerging market bond funds", as it is in conflict with later recommendations. The latest info is now in the "Arguments against holding emerging ma...
by LadyGeek
Sun Apr 22, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 137
Views: 7884

Re: I’m still not a fan of international bond funds

And here's a quote from the Bogleheads Wiki on emerging market bonds. In the first edition (2006) of author Rick Ferri's book, All About Asset Allocation, the author included emerging market bonds as a potential portion of a widely diversified taxable bond allocation. The author suggested the follo...
by LadyGeek
Sun Apr 22, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1948

Re: What is best strategy for taking RMD from VG IRA

New member TheCreeker has a question which I've moved into a stand-alone thread: [How do I send my Qualified Charitable Distribution to a charity]?

This thread is now in the Personal Finance (Not Investing) forum (withdrawal strategy).
by LadyGeek
Sun Apr 22, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Remedy for Post-Purchase Problem (House)
Replies: 10
Views: 1064

Re: Remedy for Post-Purchase Problem (House)

bhwabeck3533 wrote:
Sun Apr 22, 2018 7:17 am
Thanks ... thought I posted on wrong board, so re-posted. Sorry!
No worries, I took care of it.

Your duplicate was posted in the Personal Finance forum. I removed the duplicate post, there were no replies.(Otherwise, I would have put the replies into here.)
by LadyGeek
Sun Apr 22, 2018 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

It has not been locked because this question has a financial component. See: Personal Finance This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are: ... - legal issues that have a financial component like wills and pre-nuptial agreements Als...
by LadyGeek
Sat Apr 21, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 87
Views: 6167

Re: What have you baked recently?

^^^ I would agree. My Mediterranean Olive Bread turned out to be under-done after following the recommended cooking time. The crust wasn't quite there and the inside contained too much moisture, which is probably due to the fresh olives. What to do? The can't fail no matter what technique which will...
by LadyGeek
Sat Apr 21, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6412
Views: 1375342

Re: U.S. stocks in freefall

I removed an off-topic post and several replies regarding economic policy (government bailout) and monetary policy. The discussion was getting derailed.

Please stay focused on the investing aspects.
by LadyGeek
Sat Apr 21, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

I'm basing my opinion on my Mom's experience. The lawyer she dealt with was well qualified to work this case (and was funded by Nationwide). I'm sure there are other "experts" who are not as well qualified, but that's probably for a different discussion. BTW - I fixed your quote - it was missing a ']'
by LadyGeek
Sat Apr 21, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

This thread is now in the Personal Finance (Not Investing) forum (insurance).
by LadyGeek
Sat Apr 21, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

A few years ago, my Mom had an at-fault accident which resulted in injuries to passengers in other cars. She spent the night in the hospital and was fine the next day. It is the job of your insurance company to defend you - regardless of fault. Her insurance carrier was Nationwide. A quick google se...
by LadyGeek
Sat Apr 21, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4902

Re: Settlement Offer -- Accept or Wait?

I removed several posts questioning the amount of compensation (excessive - don't treat it as a "windfall"). The discussion was getting derailed.

Please stay focused on the financial aspects.
by LadyGeek
Sat Apr 21, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4525

Re: Factor in evaluating Physicians

I removed several off-topic posts. 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. Discussions are about issues, not people. If you disagree with an idea, go a...
by LadyGeek
Sat Apr 21, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3410

Re: JAMA article's health implications for asset allocation

I merged PhilosophyAndrew's thread into here.

PhilosophyAndrew - It's not a big deal, don't worry about it.
by LadyGeek
Fri Apr 20, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9368

Re: Got hit with a $2800 Medical bill. Can I negotiate?

This thread has run its course and is locked (topic exhausted, contentious). 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,...
by LadyGeek
Fri Apr 20, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 87
Views: 6167

Re: What have you baked recently?

Same here. I would have never believed how easy this was. Building on the confidence from my last post, I currently have in the oven a No-Knead Italian Sesame Seed Bread , using a Dutch oven. I also just prepared the dough for: No-Knead Mediterranean Olive Bread and will cook it tomorrow morning. It...
by LadyGeek
Fri Apr 20, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: The World in 2050 — An Emergent Middle Class
Replies: 35
Views: 3864

Re: The World in 2050 — An Emergent Middle Class

This thread has run its course and is locked (derailed - socio-economic status, climate policy, environmental issues). See: Non-actionable (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 eco...
by LadyGeek
Fri Apr 20, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4145

Re: Another discussion about private vs public schools?

I removed several posts and replies regarding racial stereotyping of the student population.

Please stay on-topic.
by LadyGeek
Fri Apr 20, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8015

Re: “The Smell of Retiree Mon$y...”

Let me explain in detail. Religion is a highly contentious topic - much more so than politics. Religious comments usually result in contentious disagreement, which is more work for the moderators.To keep the moderators sane, we put this policy in place. It's not to promote any particular viewpoint, ...
by LadyGeek
Fri Apr 20, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (uk)
Replies: 6
Views: 380

Re: New to investing

Welcome! By your use of £280,000 (not USD), are you in the UK? If not, what is your home country? The Vanguard LifeStrategy Funds are fine. It is important to know your home country so we can help you select the appropriate funds. Selecting funds based in the US will have complications due to taxati...
by LadyGeek
Fri Apr 20, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Financial Advice for Dead People
Replies: 2
Views: 923

Re: Financial Advice for Dead People

This thread has run its course and is locked (other people). See: Non-actionable (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 co...
by LadyGeek
Fri Apr 20, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1421

Re: Brokered CD Interest Compounding

I just realized that my previous post was wrong, as the CD is paying simple interest. The interest is not reinvested back into the CD, but into a money market account. If the interest was reinvested back into the CD, it would be compound interest ("interest on interest"). Instead, the compound inter...
by LadyGeek
Thu Apr 19, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1421

Re: Brokered CD Interest Compounding

Vanguard has 2 year CDs at 2.65% that pay interest semiannually and 2.60% that pay interest monthly. Assuming the interest payments go into the sweep account that pays 1.55%, which CD yields the most considering the compounding of the interest in the sweep account? Similarly, 3 year CDs at 2.85% pa...
by LadyGeek
Thu Apr 19, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: managing travel expectations
Replies: 3
Views: 654

Re: managing travel expectations

This thread has run its course and is locked (relationship issue, not consumer). 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. Any...
by LadyGeek
Thu Apr 19, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Hampers Pension Plans
Replies: 30
Views: 2763

Re: Larry Swedroe: What Hampers Pension Plans

This thread has run its course and is locked (derailed on conjecture of state pension stability). See: Non-actionable (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...