Search found 21722 matches

by LadyGeek
Thu May 10, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5275

Re: What's the view on dogs running free?

This thread has run its course and is locked (topic exhausted, no added value to continue). 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, div...
by LadyGeek
Thu May 10, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7646

Re: Amazon Alternative

I merged tc101's thread into here. The combined thread is in the Personal Consumer Issues forum (shopping).

Also note a previously locked thread from 2017: Alternatives to Amazon The discussion got derailed.

Please stay on-topic.
by LadyGeek
Thu May 10, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6937

Re: [Golf ball] cracked my house window. Do I have any recourse?

This thread is now in the Personal Finance (Not Investing) forum (recourse). I also fixed the spelling in the thread title - "Gold ball" to "Golf ball". Please stay on-topic, which is: I live on a golf course and one of my window is cracked from a golf ball (yes I know the risk of living on a golf c...
by LadyGeek
Thu May 10, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3126

Re: Do I need to unfreeze my credit before applying for a new card?

I removed a contentious interchange which expressed a difference of opinion. As a reminder, see: General Etiquette This is a moderated forum. 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. Discuss...
by LadyGeek
Wed May 09, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Accumulation-Dynamic Decumulation Strategy
Replies: 63
Views: 6218

Re: Accumulation-Dynamic Decumulation Strategy

icetrap has created a dedicated wiki article. See: Accumulation-dynamic decumulation
by LadyGeek
Wed May 09, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 63
Views: 5031

Re: Is it time for me to change jobs or should I stay put?

I did not realize that word spreads so quicky but have had my suspicions. True....perhaps this would not be a bad thing if they knew I was looking. Then again, it could backfire. A lesson I've learned the hard way - several times. You have no idea what's going on behind the scenes. Always, always a...
by LadyGeek
Wed May 09, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19857

Re: Why International again?

I removed a few off-topic posts. As a reminder, 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 your prayer...
by LadyGeek
Wed May 09, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

No. If you are concerned about your portfolio dropping in value, then adjust the asset allocation. See the wiki: Risk tolerance Think about your last post - what happens if the market drops? Thanks to diversification, your bonds will soften the drop. If you're having second thoughts, then change you...
by LadyGeek
Wed May 09, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5467

Re: How to handle problem employee

Managing employees is a relationship issue (off-topic). In addition, the discussion is no longer productive. This thread has run its course and is locked (topic exhausted, contentious, no added value to continue). Also the OP has removed the original content. Thanks for suggestions! This thread is ...
by LadyGeek
Wed May 09, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: [Does the] S&P include QQQ 100 and dow 30 stock
Replies: 12
Views: 1064

Re: [Does the] S&P include QQQ 100 and dow 30 stock

This thread is now in the Investing - Theory, News & General forum (general question). I also fixed the spelling in the thread title.
by LadyGeek
Wed May 09, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4575

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

This thread has run its course and is locked (political, not actionable). 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 ...
by LadyGeek
Wed May 09, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1633

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

Can an admin please delete or close out this thread? No one is actually answering my question. I'm done here. And won't be on this site anymore. Thank you. ✌🏻 clemsontiger14 - You should feel comfortable posting here. I removed some off-topic comments. There's no point to continue. This thread is l...
by LadyGeek
Wed May 09, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 4858

Re: [Car accident claim exceeds coverage, send to collection agency?]

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
Tue May 08, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 63
Views: 5031

Re: Is it time for me to change jobs or should I stay put?

3) Explore other options, send out resumes, interview, etc. Determine if the grass really is greener elsewhere or if this is as good as it gets. Caution on doing step (3). You'll be interviewing within your industry. It's surprising how well the "small world" theory works in reality. There's a very...
by LadyGeek
Tue May 08, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 39
Views: 5131

Re: Alliant 3/2.5% card - any experience?

This thread is now in the Personal Finance (Not Investing) forum (credit card).
by LadyGeek
Tue May 08, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Amount to spend on a new house [UK]
Replies: 9
Views: 708

Re: Amount to spend on a new house [UK]

This thread is now in the Personal Finance (Not Investing) forum (personal finance - buying a house).

JamesUK, Welcome! I also retitled the thread to attract our UK experts. If you want to change the title further, just edit the Subject: line in Post #1.
by LadyGeek
Tue May 08, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: Is it possible to split a lot into two?
Replies: 13
Views: 684

Re: Is it possible to split a lot into two?

JustinR had originally posted this question as a separate thread, which I merged into his original discussion: Transferring fractional ETF cost basis question

After receiving a PM, I split the thread back into its original two questions.
by LadyGeek
Tue May 08, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring fractional ETF cost basis question
Replies: 22
Views: 1009

Re: Transferring fractional ETF cost basis question

JustinR had a question which I moved into here. After receiving a PM, I split the thread back into the original. See: Is it possible to split a lot into two?
by LadyGeek
Mon May 07, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Credit Card Piggybacking
Replies: 18
Views: 965

Re: Credit Card Piggybacking

Discussions of dishonest behavior or bypassing the law is totally unacceptable. This thread has run its course and is locked. See a similar locked topic: Selling Tradelines As a reminder, see: Locked Topics ...if a topic is locked, please do not start up another thread to continue the discussion...
by LadyGeek
Mon May 07, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: edited [was: In-Service Rollover of Traditional Roth 401k --> Roth IRA]
Replies: 10
Views: 792

Re: edited

The OP has removed all of his posts. This thread is locked to end the discussion.

lostmonkey007 - Please PM me, as I'd like to understand why you've removed your posts.
by LadyGeek
Mon May 07, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: NYT article - 96 year old Brooklyn secretary...
Replies: 12
Views: 2356

Re: NYT article - 96 year old Brooklyn secretary...

I merged several threads into here. This thread has run its course and is locked (not actionable, rich 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, ...
by LadyGeek
Mon May 07, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7869

Re: What career for smartest kid in the class?

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
Mon May 07, 2018 3:41 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2114

Re: Making it easier to track posts from the OP

1. The top of every thread (below the menu header) has a "Search this topic" box. It should find what you need within the entire thread. 2. My experience is that posts show up on google within 10 minutes of a post. I have no idea when google decides to crawl the site, I may have been lucky. The gear...
by LadyGeek
Mon May 07, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

3) Reinvest dividends when it makes sense to do so from a commission point of view You are asking about commissions on a transaction, but I would think that reinvesting dividends does not account as a separate transaction. I honestly don't know and I could be wrong. In the US, I would normally rein...
by LadyGeek
Sun May 06, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: Natural Life Expectancy
Replies: 17
Views: 1380

Re: Natural Life Expectancy

Religious quotations have been removed. This thread has run its course and is locked (religious comments). 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 a...
by LadyGeek
Sun May 06, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9879

Re: What have you baked recently?

Thanks, I didn't know. I'll do whatever's easier.

All I could think of was chemistry - water, then acid. Acid, then water is really, really bad. (Why first water and then acid?).
by LadyGeek
Sun May 06, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

1) Be invested in shares other than VWRL/SAGG OR 2) Invested into VWRL/SAGG if I don't proceed with point 1 This is why I persisted my questions: Point (1) contradicts your plan to stay with VWRL/SAGG. Let's back up a bit. The only shares you've mentioned were a portfolio consisting solely of VWRL/...
by LadyGeek
Sun May 06, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15302

Re: Is Los Angeles a good place long term to live financially?

This thread has run its course and is locked (topic exhausted, no longer productive). See: Personal Consumer Issues
Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums...
by LadyGeek
Sun May 06, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 9975

Re: Have you quit eating sugar? Tell me how!

I removed an off-topic post. This thread has run its course and is locked (derailed in several directions: fruit - yes/no, sugar - yes / no /depends, scientific studies - credible / junk science). As a reminder, the reasons medical advice is not permitted in this forum: 1. This is an anonymous inte...
by LadyGeek
Sun May 06, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with in-laws investment- 100% in stocks with 5 years left to retire
Replies: 46
Views: 2984

Re: Help with in-laws investment- 100% in stocks with 5 years left to retire

jack1234 - You had a duplicate post, which I've removed. I merged the replies into here. I also fixed the spelling in the thread title "retu" to "retire".
by LadyGeek
Sun May 06, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

...I should add the while investing for 18mths to invest my savings in VWRL/SAGG I will have additional savings (provided I don't lose my job etc). So (in theory), I'll have 18mths x £1.5k extra in savings (£27k). This is the money I * may * invest in some shares along the way. If I don't end up do...
by LadyGeek
Sun May 06, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

I think this is what you mean: - Invest your existing cash into VWRL/SAGG over a period of time at the 70/30 ratio. £££ / month for 18 months. - Once the cash gets down to £35k, you have your emergency fund established. Stop investing this cash. - Start investing in VWRL/SAGG at the 70/30 ratio with...
by LadyGeek
Sun May 06, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

xy456 wrote:
Sun May 06, 2018 2:10 pm
3) As I am doing this I will still be saving about £1.5k per month and would like to put that into other investments I am still researching
Your portfolio should include everything considered as an investment. What "other investments" are you researching?
by LadyGeek
Sun May 06, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6405

Re: What backup service to use?

Synology NAS can be subject to malware attacks unless you've followed the recommended security precautions. (I don't own one, but often see security hacks in the news.)
by LadyGeek
Sun May 06, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9879

Re: What have you baked recently?

Hmmm.... Not sure what you mean by putting the flour in last. :confused My apologies, as the cook seems to vary his technique. I didn't double-check the linked video. It's from this one: My First No-Knead Bread… for Kids of all Ages (super easy… no equipment… 4 ingredients) , starting at 55 Seconds...
by LadyGeek
Sun May 06, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 1605

Re: Real estate agents - claim thousands of ready buyers??

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
Sat May 05, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9879

Re: What have you baked recently?

^^^Interesting, as the instructions I followed put the flour in last. According to the youtube video, it mixes better that way. I also followed the technique of mixing with the handle side of the spoon - it's easier and seems to work better than the spoon side. When I'm ready to try another Dutch ov...
by LadyGeek
Sat May 05, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Limit order woes
Replies: 19
Views: 2203

Re: Limit order woes

rollwithit, Welcome!

The wiki has some background info: Order
by LadyGeek
Sat May 05, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Paying down your mortgage as a way to balance your portfolio?
Replies: 72
Views: 3838

Re: Paying down your mortgage as a way to balance your portfolio?

I removed an interchange which devolved into a contentious disagreement. This thread has run its course and is locked.
by LadyGeek
Sat May 05, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8715

Re: Warning: avoid Windows 10 update 1803

I'm currently on Linux, but dual-boot with Win 10.

I had to reset my privacy settings after the latest MS update.
by LadyGeek
Sat May 05, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8715

Re: Warning: avoid Windows 10 update 1803

With regards to some earlier posts, OS wars are off-topic (Apple vs. MicroSoft).
by LadyGeek
Sat May 05, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 10770

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Yes, but I'm more concerned about our 5 th and 6 th place entries. :annoyed Rank Name Guess + / - 1 VictoriaF 2666.66 (3.24) 2 badbreath 2672.00 (8.58) 3 amarone 2672.99 (9.57) 4 theduke 2673.61 (10.19) 5 Citigroup ♦ 2675.00 (11.58) 6 HSBC ♦ 2650.00 (13.42) 7 Path2FIRE 2643.15 (20.27) 8 Soaker 2690....
by LadyGeek
Sat May 05, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

I think you are missing an important principle - you must first reserve cash for unanticipated immediate needs. See the wiki: Emergency fund 1. Decide how much cash you will need on-hand for unexpected expenses. 2. Subtract this amount from your total available cash. The amount of "extra" cash is fo...
by LadyGeek
Fri May 04, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: New to index funds [South African ex-pat in Channel Islands (Jersey)]
Replies: 29
Views: 1596

Re: New to index funds [South African ex-pat in Channel Islands (Jersey)]

^^^ The wiki has some background info: Dollar cost averaging versus lump sum

My approach is to invest everything at once. If you don't feel comfortable with this, then Chris K Jones has a good suggestion.
by LadyGeek
Fri May 04, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Plan After Windfall At My Age With 3 Kids
Replies: 15
Views: 2590

Re: Investment Plan After Windfall At My Age With 3 Kids

justinwalker wrote:
Fri May 04, 2018 9:05 pm
... now posting with a second account to protect my privacy, ...
Welcome! The second account was approved by the moderators prior to posting. See: Usernames (accounts), 2nd paragraph.
by LadyGeek
Fri May 04, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9879

Re: What have you baked recently?

Caligal, You make two good points. After this happened, it appears that most (if not all) of the Pullman loaf pan recipes use the 9" x 4" x 13" size. My toaster oven will only fit the 9" x 4" x 4" size. In fact, the height has less than 1/2" (1 cm) of clearance. It's a tight fit, but will work. I'll...
by LadyGeek
Fri May 04, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 897
Views: 71299

Re: To take or not to take delivery of Tesla 3

The discussion is starting to derail (complaining about Musk). Please stay on-topic, which is deciding (or not) to take delivery of the Tesla 3.
by LadyGeek
Fri May 04, 2018 3:43 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2114

Re: Making it easier to track posts from the OP

The icon to the far-right of the forum's search box is a gear icon, which leads you to the built-in forum search engine. (Otherwise, the search goes to google.) Search for keywords: (blank) Search for author: wrongfunds <-- the member to search Search in forums: (blank) Search in subforums: Yes (doe...
by LadyGeek
Fri May 04, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9879

Re: What have you baked recently?

...I bake most of my no-knead loaves in a pullman loaf pan; I bought a 9"x4" pan because it fits into my toaster oven, which I use instead of my full-sized oven for most of my baking. I use a version of a recipe from Artisan Bread in Five Minutes a Day, appropriately sized to this loaf pan (470 gra...