Search found 22474 matches

by LadyGeek
Sat Aug 11, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Arlo Pro Security System (wireless/WiFi)
Replies: 18
Views: 2314

Re: Arlo Pro Security System (wireless/WiFi)

Welcome! Kashoor is asking this same question here: Foscam Security Camera ( wire-free/IP )
by LadyGeek
Sat Aug 11, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2255

Re: Plan for Parental Care in my road to financial independence

I removed an off-topic post regarding immigration status and receiving US benefits. 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 dissens...
by LadyGeek
Sat Aug 11, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1975

Re: Sucking up to make more money?

This thread has run its course and is locked (rant). See: Personal Finance Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed. Also see: A reminder that non-investing general ...
by LadyGeek
Fri Aug 10, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with rollover into IRA and future retirement plans
Replies: 48
Views: 2648

Re: Help with rollover into IRA and future retirement plans

NBKCF - In order to give appropriate advice, it's best to keep all the information in one spot. I merged your update back into your first thread. If you have any questions, ask them here. This isn't a big deal, don't worry about it.
by LadyGeek
Fri Aug 10, 2018 8:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 162
Views: 36128

Re: Master Thread for Philadelphia PA Area Bogleheads Chapter

Bumping for visibility. The Fox & Hound is close to Champps. From Champps, hang a left at the traffic light. Goddard Blvd will dead-end onto Mall Boulevard. Turn right, then an immediate left. The Fox & Hound is immediately to your right in one of the outlier (separate) buildings - it's not in the m...
by LadyGeek
Fri Aug 10, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2639

Re: Used Car Negotiation

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

Also see: My New Car Buying Tips
by LadyGeek
Fri Aug 10, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4530

Re: Should I pay 6000.00 to repair wife's car....

rebellovw - Can you please supply the make and model of the car? Otherwise, there's not much to go on and we can't help you further.
by LadyGeek
Thu Aug 09, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs. Traditional 401k
Replies: 36
Views: 1845

Re: Roth 401k vs. Traditional 401k

wabash_sphinx wrote:
Thu Aug 09, 2018 9:24 pm
Admin - if seen, please move to board regarding personal investments. Sorry about placing on wrong board.
Sure, no problem. This thread is now in the Investing - Help with Personal Investments forum (portfolio help). This isn't a big deal, don't worry about it.
by LadyGeek
Thu Aug 09, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9754

Re: Few weeks into new job recieved significantly better offer elsewhere

...So far this is still smelling fishy. At this point, I'm thinking I'd want A) full time role at client, plus B) 100% fully remote from the start [with the option to come into the office if I choose but not a requirement). Both of these stipulations probably will fail. But it seems I was being tol...
by LadyGeek
Thu Aug 09, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14160

Re: Will you pay for your kids' college/graduate education?

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
Thu Aug 09, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4491

Re: SocialSecurity.tools updated to include spousal benefits

gregable, thank you. A small thing I discovered. The imported ss data must have dollar signs on all column 2 & 3 data to work. I had a preexisting file of my info dropped to a spreadsheet that for some reason did not have the signs. As soon as I put them in your tool works. Hm, I can't reproduce yo...
by LadyGeek
Thu Aug 09, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 11353

Re: New Vanguard Security Code Requirement

I merged rBogfFor's thread into here.

PCOwner, Welcome! I have also moved your post into the on-going discussion.
by LadyGeek
Thu Aug 09, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a friend/family who you think is making a financial mistake?
Replies: 7
Views: 783

Re: Do you have a friend/family who you think is making a financial mistake?

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 s...
by LadyGeek
Thu Aug 09, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14160

Re: Will you pay for your kids' college/graduate education?

The discussion is getting derailed. Please stay on-topic, which is paying for your kids' college education.

The value of receiving a college education is off-topic.
by LadyGeek
Wed Aug 08, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9754

Re: Few weeks into new job recieved significantly better offer elsewhere

^^^ I fully agree. This is your professional reputation at stake here. The size of the company does not matter. Small world, indeed. You may change companies, but your professional reputation stays with you for life. It takes years to build up credibility and you can lose it in a heartbeat. A manage...
by LadyGeek
Wed Aug 08, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 6027

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Caution, Wikipedia is not an authoritative source . Let's go directly to the authoritative source: S&P 500® - S&P Dow Jones Indices and download the factsheet. There are 505 companies in the S&P 500, and they are all based in the US. Incorrect. You have to read the footnotes which refer to companie...
by LadyGeek
Wed Aug 08, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 6027

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Caution, Wikipedia is not an authoritative source.

Let's go directly to the authoritative source: S&P 500® - S&P Dow Jones Indices and download the factsheet. There are 505 companies in the S&P 500, and they are all based in the US.
by LadyGeek
Wed Aug 08, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

For those concerned about this forum being a corporate Vanguard blog, we follow the man - not the company. All opinions are welcome. For example, the wiki shows how to implement a Three-fund portfolio from 9 different fund providers whose name does not start with "V". Also note we have dedicated art...
by LadyGeek
Wed Aug 08, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 6027

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

For those who want to try historical comparisons themselves, see the wiki: Simba's backtesting spreadsheet
by LadyGeek
Wed Aug 08, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 6027

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

This is weird. I thought maybe the prospectus would help me. On this page , it says click here to view or download prospectus[/url] When I clicked on that link, this is what I saw. How about you? https://imgur.com/M81lpDt.png Reproduced with both Safari 11.1.2 (13605.3.8) and Firefox 61.0.1 (64-bit...
by LadyGeek
Wed Aug 08, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4850

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I want to address several comments related to Donor Advised Fund contributions . For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable. The intent is to understand how to do this within the existing legal framework; in which case this discussion can continue...
by LadyGeek
Wed Aug 08, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4850

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

Please note that you are not allowed to receive anything of value on a QCD from your IRA. The wiki has been recently updated to clarify this fact. See: Qualified charitable distributions - there is a new "Guidance" section . (Thanks to trueblueky for providing the suggestion and a link to Morningst...
by LadyGeek
Wed Aug 08, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 114
Views: 6027

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I removed an off-topic post and reply. 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.
by LadyGeek
Wed Aug 08, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14160

Re: Will you pay for your kids' college/graduate education?

The discussion is now about relationship issues (off-topic). Please stay on-topic, which are the financial aspects.
by LadyGeek
Wed Aug 08, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 179
Views: 15043

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Another user suggested some sort of optional downloadable output. That's something I plan to look into. (Perhaps it could satisfy your goals and mine simultaneously, in that the optional downloadable output could be more detailed.) I would suggest the Comma Separated Values (CSV) format. It's plain...
by LadyGeek
Wed Aug 08, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 179
Views: 15043

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Reading this from a "newbie" perspective, your guidance on the discount rate can be confusing. The yield on 20-year TIPS is generally considered an appropriate discount rate for these purposes. The link actually goes to Daily Treasury Real Yield Curve Rates . TIPS are only mentioned in the "fine pri...
by LadyGeek
Wed Aug 08, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

So, I was driving on I-95 North in Philadelphia (just north of the Betsy Ross bridge) and I see a digital billboard "Fidelity ZERO" ad flash by in-between the beer and restaurant ads. All I can think of is "Wow, this is some serious advertising campaign." :shock: I have no clue what it said other th...
by LadyGeek
Wed Aug 08, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investor seeking advice
Replies: 28
Views: 1648

Re: Beginner investor seeking advice

Snickers_On, Welcome! In order to give appropriate advice, it's best to keep all the information in one spot. I merged your question back into the first thread. While it is a different question, they are all related to your portfolio. If you have any questions, ask them here. (This isn't a big deal,...
by LadyGeek
Wed Aug 08, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12732

Re: "Age in Bonds" fails almost everyone

I removed several off-topic posts. This thread has run its course and is locked (topic exhausted, getting 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...
by LadyGeek
Tue Aug 07, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: [Question] Does History at any point give an example of a complete market crash?
Replies: 8
Views: 834

Re: [Question] Does History at any point give an example of a complete market crash?

I removed an off-topic comment. This is a "no politics" forum. Please state your opinions in a factual manner. Opinions of the political process are off-topic. See: Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and commen...
by LadyGeek
Tue Aug 07, 2018 4:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 478
Views: 46911

Re: Post your Financial Milestone Announcements Here

^^^ The $500k milestone posts were moved into here. When threads are merged, each post retains to the title of where it was first posted. That can get confusing when things are moved around - I didn't write the software. The thread title is at the top of the page, just under the header. As noted at ...
by LadyGeek
Tue Aug 07, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6127

Re: Nervous about not using a personal wealth manager. How do I do this myself?

maxsamson - In order to give appropriate advice, it's best to have all the information in one spot. I merged your 2nd and 3rd threads back into the first.

If you have any questions or updates, post them here. (This isn't a big deal, don't worry about it.)
by LadyGeek
Mon Aug 06, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42058

Re: Improving the TSP [for current participants]

I merged motorcyclesarecool's thread into the on-going discussion. The combined thread is now in the Personal Finance (Not Investing) forum (retirement plan). Note this is a "no politics" forum. Opinions of the political process are off-topic. See: Politics and Religion That being said, the US gover...
by LadyGeek
Mon Aug 06, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

You're welcome. To go farther, let us help you with the rest of your portfolio. Start here: Getting started When you are ready, start a new thread in the Investing - Help with Personal Investments forum and post your portfolio using the Asking Portfolio Questions format. It will make you think about...
by LadyGeek
Mon Aug 06, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: How are muni rates determined?
Replies: 25
Views: 1618

Re: how are muni rates determined?

1. Watch this video to understand how muni bonds are issued. http://www.msrb.org/EducationCenter/video-player.aspx?section=0&video=0&hash=aa6c0fe532 2. The underwriter will eventually decide the coupon rate for the new muni bond. It's determined by the riskiness of the project. 3. Credit rating age...
by LadyGeek
Mon Aug 06, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82882

Re: [What TV Show Have You Recently Watched?]

Orange is the new black , Season 6. On Netflix. I just finished Season 2 of The Expanse , so this is good timing. I thought that Season 5 would have ended the series, but I guess not. Season 6 seems to be a stretch, I can mostly guess where this is going. It seems that the writers ran out of ideas ...
by LadyGeek
Mon Aug 06, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6543

Re: Jamie Dimon: Higher rates are coming

stryfer2999, Welcome! I moved your post into the on-going discussion.
by LadyGeek
Mon Aug 06, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Hi all, I'm new here and have been reading into this thread as this topic interests me. Haven't really seen anyone focus on a nuance that for new/young investors such as myself, wouldn't being able to take advantage of the 0 minimums and exact asset allocation at Fidelity using FSTVX/FZROX, FTIPX/F...
by LadyGeek
Mon Aug 06, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3 vs keeping my M235i.
Replies: 50
Views: 2900

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

The point regarding Tesla's future business has been made, let's move on.
by LadyGeek
Mon Aug 06, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 47
Views: 4118

Re: Tire experts? Can I trust a patched tire?

I removed several off-topic posts and replies related to risks of alcohol consumption and smoking.

Please stay on-topic, which is the reliability of a tire patch.
by LadyGeek
Mon Aug 06, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Union Bank 18-month CD @ 2.75% APY
Replies: 33
Views: 3157

Re: Union Bank 18-month CD @ 2.75% APY

I merged Missedtheboat's thread into the on-going discussion. The combined thread is in the Personal Finance (Not Investing) forum (CD).
by LadyGeek
Sun Aug 05, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: How are muni rates determined?
Replies: 25
Views: 1618

Re: how are muni rates determined?

This thread is now in the Investing - Theory, News & General forum (theory).
by LadyGeek
Sun Aug 05, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 51
Views: 4491

Re: SocialSecurity.tools updated to include spousal benefits

^^^ I downloaded the spreadsheet Copy of CashFlow.xls into LibreOffice Calc (Linux). The problem is with the blank cells, not the range. Three columns work as long as the cells have data. Blank cells corrupt the table output. My guess is that copy-n-paste operations are passing different representat...
by LadyGeek
Sun Aug 05, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1053

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

Same broad principles, but the insurance company faces a simpler problem. They don't care about the life expectancy of any one person or couple, which is hard to predict. All they need to know is the actuarial probabilities for the population of people to whom the sell annuities. They know what amo...
by LadyGeek
Sun Aug 05, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6594

Re: Unexpected early retirement - requesting advice

I removed an off-topic post regarding stoicism . While the OP did express concerns related to one's social standing in society, bear in mind that discussions of this nature are out of scope (off-topic) for this forum. See: Acceptable Topics and Subforum Guidelines This is an investing and personal ...
by LadyGeek
Sun Aug 05, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Calculating future Social Security benefits: How do I adjust the discount rate?]
Replies: 25
Views: 1053

Re: [Calculating future Social Security benefits: How do I adjust the discount rate?]

How do commercial companies calculate the discount rate when they make their "lump sum or annuity" pension payment options to employees who are about to retire? Are they basing it on company performance or something else? I'm just wondering if there's anything in common that may have been overlooked...