Search found 22996 matches

by LadyGeek
Sun Jan 17, 2010 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is the fraud risk after the laptop infected?
Replies: 48
Views: 7272

Re: Secure LiveCD

One solution is to use a liveCD. Leave the CD in your machine and reboot. Change your system to boot from the CD. The liveCD is a bootable CD that bypasses your existing hard drive. After you complete your banking/investing work, you take out the cd and reboot. Some clarification is warranted here....
by LadyGeek
Sun Jan 17, 2010 6:17 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with my calculation?
Replies: 10
Views: 1557

I updated the wiki to show the derivation of the 1.04015. To illustrate the point, here is the after-tax, after-inflation value of $1 invested I bonds compounded for 30 years with 3% inflation and 1% fixed rate and then redeemed in the 35% federal income tax bracket: (1 + (1.04015^30 - 1)*(1 - 0.35)...
by LadyGeek
Sun Jan 17, 2010 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: can I make a 2009 roth contribution after filing my taxes?
Replies: 3
Views: 928

You are confusing the source of the money vs. where it's going. As joh11853 says, it doesn't matter as long as it's funded in time. Pub 590 - Roth IRAs : When Can You Make Contributions? You can make contributions to a Roth IRA for a year at any time during the year or by the due date of your return...
by LadyGeek
Sun Jan 17, 2010 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating buying a new car
Replies: 24
Views: 3783

Everything is negotiable. You'll need to feel comfortable with saying "No" in a one-on-one conversation. If you don't, bring someone with you who can. Why? Because you have to deal with the "closer". After you agree on price with the saleman, he's going to want you to talk to someone to finish the d...
by LadyGeek
Sun Jan 17, 2010 11:20 am
Forum: Personal Consumer Issues
Topic: Verizon FIOS Installation
Replies: 45
Views: 9416

could you please elaborate on what you meant by forcing them to leave your copper telephone line? My daughter just ordered fios and I would like to advise her about what you said but don't know what you mean. Thanks. FiOS will supply your phone service as well as TV and internet. Currently, your ph...
by LadyGeek
Sun Jan 17, 2010 10:21 am
Forum: Investing - Theory, News & General
Topic: What's wrong with my calculation?
Replies: 10
Views: 1557

I'm an engineer by training and won't accept formula without rationale either. Linuxizer highly recommended Fixed Income Mathematics by Frank J. Fabozzi. I just ordered an older used version from Amazon (URL appended with Bogleheads reference). At $10, it's a no brainer. (Update: I took the $10 copy...
by LadyGeek
Sat Jan 16, 2010 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Some stock questions
Replies: 5
Views: 824

Welcome! Perhaps you should look at the bigger picture. How does this portfolio compare to your total investment assets? You should do some reading, particularly on the investing philosophies of this forum. There's a ton of information in the wiki. Please see Bogleheads Investing Start-Up Kit on the...
by LadyGeek
Sat Jan 16, 2010 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiation
Replies: 27
Views: 3103

Re: Negotiation

For larger purchases (furniture and cars, particularly), does flashing a huge wad of $100 bills help? If a car is quoted at $20,000, salesman "gets it down" to $16,500 and that's "the best I could do," if I then pull out $15,000 in $100 bills, will that best price they could give me suddenly change...
by LadyGeek
Sat Jan 16, 2010 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why I will never buy Intuit again and you shouldn't either
Replies: 118
Views: 19699

I just got my forced upgrade to Quicken 2010. There's no need to register the program to use online services (it forces you to supply personal info). Here's how to bypass the registration screen: Quicken Bypass Registration If you want Quicken to stop prompting you to register your software, you can...
by LadyGeek
Sat Jan 16, 2010 12:11 pm
Forum: Personal Consumer Issues
Topic: Declining collision damage waiver?
Replies: 30
Views: 5792

Consider that your credit card may also provide coverage. VISA has a good list of questions: Auto Rental Collision Damage Waiver - Personal

You could also try searching for "collision damage waiver" or "loss damage waiver" on the car rental sites.
by LadyGeek
Sat Jan 16, 2010 12:07 pm
Forum: Investing - Theory, News & General
Topic: RMD for an Inherited IRA
Replies: 13
Views: 2515

There's a lot of information in the wiki.

Please see Inheriting an IRA on the Bogleheads Wiki.

Be sure to checkout the list of related topics on the right side of the page.
by LadyGeek
Sat Jan 16, 2010 12:01 pm
Forum: Personal Consumer Issues
Topic: home theater for an RV
Replies: 10
Views: 1615

RV? My thinking is that you should absolutely stay away from plasma. Why? It's glass. Glass breaks. You can't even ship those things laying down flat. Imagine all the vibration when you hit a bump in the road. Plasma is also heavier (glass), which is important to you. Not just for fuel, but how are ...
by LadyGeek
Thu Jan 14, 2010 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Join PenFed?
Replies: 16
Views: 3969

You can find the links in the wiki.

Please see Pentagon Federal Credit Union on the Bogleheads Wiki.
by LadyGeek
Thu Jan 14, 2010 9:54 pm
Forum: Forum Issues and Administration
Topic: Proposed Forum Privacy Policy
Replies: 12
Views: 2411

Does any of this extend to the wiki, which has its own privacy policy ? Last update was August 21, 2008. It would be good to know if the wiki and forum are considered a single site or separate sites for privacy policy purposes. - You might want to make them consistent in areas of overlap, such as th...
by LadyGeek
Wed Jan 13, 2010 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: How do you assess charities?
Replies: 5
Views: 1085

To investigate if a charity meets standards for charity accountability, checkout Better Business Bureau Charity and Donors . It used to be the www.give.org site. All the work of digging into those charity finances is done for you. Just find your favorite charity listed here and see if they were work...
by LadyGeek
Tue Jan 12, 2010 8:26 pm
Forum: Investing - Theory, News & General
Topic: Treasuries vs. CDs: Differences, similarities, and portfolio
Replies: 46
Views: 6510

Slight typo on your link: http://www.federalreserve.gov/releases/h15/data/Business_day/H15_CD_M6.txt As for the T-bills, go up a few directory levels and take a look at the footnotes of H.15 Selected Interest Rates (daily) . Lots of links there. For example, Commercial paper (hit "About" to get a de...
by LadyGeek
Mon Jan 11, 2010 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: life coach?
Replies: 28
Views: 5963

I've been in the same field for 5 years but I'm thinking of making a career change. But, as with many young professionals, I'm more certain of what I don't want to do than what I do want to do. The uncertainty makes meeting with a counselor an attractive option. When was the last time you had a car...
by LadyGeek
Mon Jan 11, 2010 10:09 pm
Forum: Investing - Theory, News & General
Topic: Treasuries vs. CDs: Differences, similarities, and portfolio
Replies: 46
Views: 6510

The best I could find on secondary market (I'm way out of my league here) is a paper written by the St. Louis Fed: Can Feedback from the Jumbo-CD Market Improve Off-Site Surveillance of Community Banks? Section 2 and 3 might be relevant, as well as Table 4a. They discuss premiums and residuals. Gran...
by LadyGeek
Mon Jan 11, 2010 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: better to rent or buy??
Replies: 127
Views: 20676

I think the "five year rule" is a decent starting place from which someone can begin asking themselves if they should buy or rent. I don't particularly like rule of thumb advice either; however, I realize that since the wiki is aimed at a general audience, much of the information presented will inh...
by LadyGeek
Mon Jan 11, 2010 8:11 pm
Forum: Investing - Theory, News & General
Topic: Treasuries vs. CDs: Differences, similarities, and portfolio
Replies: 46
Views: 6510

What's important here- the absolute value of the interest, the tracking between CDs and bonds, or the shape of the curve? I plotted the 3 month CD vs. T-bill rates over time (DCD90.xls, DTB3.xls) and it looked darn near identical to the 6 month plots. Maybe a tiny bit lower in interest rate, if at a...
by LadyGeek
Sun Jan 10, 2010 10:32 pm
Forum: Investing - Theory, News & General
Topic: Treasuries vs. CDs: Differences, similarities, and portfolio
Replies: 46
Views: 6510

Re: Treasuries vs. CDs: Differences, similarities, and portf

Linux: I do not have the information you referenced but I think a closer comparison would be CD's and FDIC guaranteed bank debt. These bonds trade at a spread over Treasuries. I seem to recall Goldman issuing $5 billion or so of this debt a year or so ago and they traded at roughly 200 basis points...
by LadyGeek
Sun Jan 10, 2010 9:54 pm
Forum: Investing - Theory, News & General
Topic: TreasuryDirect Virtual Keyboard
Replies: 25
Views: 3590

Not unless you title it "My access codes for Treasury Direct" and put it together with your actual password. Very bad. Calling it "My football block pool" would help, as well as obfuscating the format, and storing it in your sports betting folder. The only place for passwords is inside a password va...
by LadyGeek
Sun Jan 10, 2010 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: W-4 Form, newly married
Replies: 17
Views: 4934

What you need to remember is that you may submit a W-4 as many times as you want during the course of the year. So, to keep your new employer's payroll department happy (you need to submit this form...) just make an estimate with the IRS calculator. After you get your first paycheck, simply file an ...
by LadyGeek
Sun Jan 10, 2010 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: W-4 Form, newly married
Replies: 17
Views: 4934

Believe it or not, the easiest way for you to figure out your W-4 form is to use the online calculator from the IRS: IRS Withholding Calculator. Just enter the numbers and let it do all the work. Run it as many times as you want.

Don't forget you can always update your W-4 at work any time.
by LadyGeek
Sun Jan 10, 2010 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Lowered Cable Bill
Replies: 34
Views: 6027

As far as antenna, I'm 20 mi or so from the TV stations, so my standard rabbit ears antenna are not quite doing it. I ordered an indoor amplified directional antenna and will give it a shot. An attic antenna may be required though. A question for those that use FIOS or Cable internet and also setup...
by LadyGeek
Sun Jan 10, 2010 12:40 pm
Forum: Investing - Theory, News & General
Topic: Treasuries vs. CDs: Differences, similarities, and portfolio
Replies: 46
Views: 6510

Re: Treasuries vs. CDs: Differences, similarities, and portf

Also, I have long been curious about the historical market rate differences between the CD and Treasury yield curves. Treasury's easier to find, but CDs much less so (not least because there's no one rate for CDs, only an average and a min/max). Does anyone have that info? The St. Louis Fed has ref...
by LadyGeek
Sun Jan 10, 2010 12:13 pm
Forum: Personal Consumer Issues
Topic: NFL Playoff Prediction Thread
Replies: 24
Views: 2573

I really, really, had hoped that the Eagles had figured out the Dallas offense by now, in spite of some guys out due to injury. Guess McNabb forget to show up... again. And the defense.. :x

Let's go Flyers! :)
by LadyGeek
Sat Jan 09, 2010 6:33 pm
Forum: Forum Issues and Administration
Topic: Donation campaign
Replies: 29
Views: 4981

I think the "Make a Donation" button is enough. I tend to view banner ads negatively, but that's me. It all depends on the site. This forum is extremely worthwhile and well appreciated. I'll contribute appropriately.
by LadyGeek
Sat Jan 09, 2010 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: LOSE closing costs & rent VS stick it out and WAIT
Replies: 10
Views: 1612

Try this thread: better to rent or buy??

A poll won't get you a good answer because every situation is unique.
by LadyGeek
Sat Jan 09, 2010 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why I will never buy Intuit again and you shouldn't either
Replies: 118
Views: 19699

From the Quicken discontinuation policy : Q. What Quicken 2006 services were discontinued on April 30, 2010? The following services to Quicken 2007 were discontinued on April 30, 2010: * Online bill pay * Downloading financial data from your bank, credit union, credit card, brokerage, 401(k) or mutu...
by LadyGeek
Sat Jan 09, 2010 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Why I will never buy Intuit again and you shouldn't either
Replies: 118
Views: 19699

I find it an interesting read to note who they consider their competition (start at page 11). However, you can't simply say that Quicken's revenue is inconsequential to the business based on total %. It depends on how the internal funding works. Each business unit / department has to stand on its ow...
by LadyGeek
Sat Jan 09, 2010 12:17 pm
Forum: Forum Issues and Administration
Topic: Homepage Revamped
Replies: 61
Views: 14576

The wiki's sidebar menu (the left-side of the display) was just updated to integrate more closely with the forum and be easier to use. Links back to Alex's home page, the forum, as well as our sister Canadian sites are prominently displayed at the top left. The top of the main page now makes it easy...
by LadyGeek
Fri Jan 08, 2010 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Power of Compound Interest
Replies: 10
Views: 2293

Want a good video that's at a very elementary level? Last summer, stickman started a video effort in the wiki. Unfortunately, it hasn't been updated in a while. He had a really good video on the Miracle of Compound Interest, which I don't see in his wiki page. However, you can find the link at his w...
by LadyGeek
Thu Jan 07, 2010 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: OH 529
Replies: 6
Views: 1074

Welcome. The wiki has information on 529 plans. Please see 529 Plans on the Bogleheads Wiki.

If OH means the state of Ohio, please see Ohio 529 Plan on the Bogleheads Wiki.

(529 plans are not my background, but perhaps the wiki could help somewhat.)
by LadyGeek
Wed Jan 06, 2010 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Why I will never buy Intuit again and you shouldn't either
Replies: 118
Views: 19699

And here's the official Quicken discontinuation policy. I need to upgrade before April 30, 2010.

Not much choice, it's invaluable to help me keep my parent's finances in order. They're looking to me to provide occasional help. Without automated downloads, I wouldn't have a clue what's going on.
by LadyGeek
Wed Jan 06, 2010 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why I will never buy Intuit again and you shouldn't either
Replies: 118
Views: 19699

Heads up - Amazon won't honor refunds for software downloads. See the review here: Quicken Deluxe download This is the first time I've seen pricing for downloads higher than the box product. $45.12 download, $44.00 for the box with free shipping. I have Quicken 2007 and just did an update (not the s...
by LadyGeek
Wed Jan 06, 2010 8:02 pm
Forum: Forum Issues and Administration
Topic: Homepage Revamped
Replies: 61
Views: 14576

To match the forum rollout, the wiki main page just got updated with a new color scheme. Please checkout the Bogleheads Wiki.
by LadyGeek
Mon Jan 04, 2010 8:01 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how i made any money 2030 fund
Replies: 9
Views: 2490

dbr - Thank you for the help. The statement in contention was a direct quote from Investopedia, which I removed. However, I added better info from this thread, especially from your detailed explanations. Please see Dividend on the Bogleheads Wiki . After comparing your definition of NAV to what we h...
by LadyGeek
Mon Jan 04, 2010 5:54 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how i made any money 2030 fund
Replies: 9
Views: 2490

I didn't know the answer either, so it's now in the wiki. :)

Please see Dividend on the Bogleheads Wiki.

Comments, corrections are welcome. Wiki editors should update the page directly.
by LadyGeek
Sun Jan 03, 2010 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Trigger points and Cash Holdings
Replies: 13
Views: 1652

Please see Bogleheads Investing Start-Up Kit on the Bogleheads Wiki.

The introduction section contains the investing philosophy, which may explain the rationale behind some of the answers posted here.
by LadyGeek
Sun Jan 03, 2010 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: better to rent or buy??
Replies: 127
Views: 20676

sscritic - Thank you. I updated the existing page with the "Proposed" version and made the correction. The reference to a second home is now in the footnote (the page is intended for primary residences). There is a large taxation benefit to owning a home versus renting, but it is not the mortgage in...
by LadyGeek
Sat Jan 02, 2010 12:15 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard - Interest ?
Replies: 6
Views: 1715

Make sure that you always have the latest version of the wizard, as it contains the latest rates and yields. See this thread: Savings Bond Wizard
by LadyGeek
Fri Jan 01, 2010 9:28 pm
Forum: Personal Consumer Issues
Topic: neat GDP chart of any country
Replies: 20
Views: 3024

Click on the Google chart's More info » and you get redirected to the world bank . You can map GDP for any country in any year (but 2009). There's also a definition of GDP: GDP at purchaser's prices is the sum of gross value added by all resident producers in the economy plus any product taxes and m...
by LadyGeek
Fri Jan 01, 2010 11:53 am
Forum: Investing - Help with Personal Investments
Topic: TurboTax
Replies: 60
Views: 15534

Welcome to the forum! I download Deluxe to get the free state.

Vanguard members can also get a deep discount if they are not Flagship (cheaper than Amazon.com). Discussed here: Flagship Status-Turbo Tax Download
by LadyGeek
Fri Jan 01, 2010 11:42 am
Forum: Personal Consumer Issues
Topic: 2010 BOGLEHEAD CONTEST REGISTRATION
Replies: 284
Views: 32539

1276.54

LG
by LadyGeek
Fri Jan 01, 2010 11:06 am
Forum: Personal Finance (Not Investing)
Topic: better to rent or buy??
Replies: 127
Views: 20676

LadyGeek, I think your proposed entry sounds pretty good. Generally speaking, I don't like rule of thumb advice, particularly when it deals with situations which quickly become complex and can vary widely between individuals. But since the wiki is meant to be read by a general audience, I think tha...
by LadyGeek
Tue Dec 29, 2009 7:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Philadelphia PA Chapter Meeting - January 23, 2010
Replies: 25
Views: 6571

And I was just kidding about the scrapple. Something for the tourists to figure out. :)
by LadyGeek
Tue Dec 29, 2009 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: better to rent or buy??
Replies: 127
Views: 20676

SpecialK22 - Thank you. I reworded the statement and moved it to the Buy/Rent Calculator section. How does this look? Note that I used your info: The Bogleheads' forum has suggested that if you do not know if you will be in a property for more than 5 years, there is no financial advantage to owning ...
by LadyGeek
Tue Dec 29, 2009 7:14 pm
Forum: Investing - Theory, News & General
Topic: Tuesday - Jack Bogle on the Nightly Business Report
Replies: 10
Views: 2339

They just showed the interview with Mr. Bogle. Can you tell me what to expect in 2010? -I don't forecast for one year. However, I can tell you what to expect in the next decade. What can investors do to...(I forget the rest of the question)? -Investors are their own worst enemy. Don't invest in what...
by LadyGeek
Tue Dec 29, 2009 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: better to rent or buy??
Replies: 127
Views: 20676

Not to sound too picky, but I don't particularly agree with this statement: If you do not know that you will be in a property for more than 5 years, there is no financial advantage to owning a home. Renting is the best choice. I agree that it is generally a good idea to plan on being in a home for ...