Search found 21716 matches

by LadyGeek
Sun Mar 15, 2009 4:17 pm
Forum: Investing - Theory, News & General
Topic: Do you include your emergency fund in your Asset Allocation?
Replies: 27
Views: 4200

Money for investing is just that. Available investing funds are excess funds after your emergency funds are filled. Defined in the Bogleheads wiki.
by LadyGeek
Sun Mar 15, 2009 4:05 pm
Forum: Personal Consumer Issues
Topic: In the market for a laptop.... suggestion please
Replies: 62
Views: 9400

Non-windows OS (like Linux) have better security features, such as the need for root privileges to do just about anything. However, most Windows users don't understand the concept. Blame Microsoft for not doing that from Day One. I would safely bet that the teacher's extent of PC knowledge is that h...
by LadyGeek
Sun Mar 15, 2009 3:10 pm
Forum: Personal Consumer Issues
Topic: In the market for a laptop.... suggestion please
Replies: 62
Views: 9400

For most users a modern Apple computer running a new OS X will do fine (have nine or so known viruses). For others, one of the BSD (OpenBSD (highest security), NetBSD, FreeBSD) will do fine and generally have better security, but the users are expected to be able to read documentation. Agreed. Don'...
by LadyGeek
Sun Mar 15, 2009 12:17 pm
Forum: Personal Consumer Issues
Topic: In the market for a laptop.... suggestion please
Replies: 62
Views: 9400

I don't use any anti-virus or software firewall software on my main windows PC anymore. I want it to actually be usable so I'm willing to take the risk of a virus. I mitigate that risk by backing up regularly and storing many things online. And you take the risk that your backups will also contain ...
by LadyGeek
Sat Mar 14, 2009 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: 2009 tax guide
Replies: 7
Views: 2111

My bad. :oops: Missed it. Strange that it also wasn't mentioned under the Your Home / Real Estate section like the others.
by LadyGeek
Sat Mar 14, 2009 6:22 pm
Forum: Personal Consumer Issues
Topic: In the market for a laptop.... suggestion please
Replies: 62
Views: 9400

By "more power", I assume you mean doing more things faster. That might be a stretch. PCs change technology very rapidly. You can't predict what will be on the market 6 months from now. No matter what you buy now, something will be available later that's faster and cheaper than what you buy today. W...
by LadyGeek
Sat Mar 14, 2009 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2009 tax guide
Replies: 7
Views: 2111

Understood, but the intro on page 3 says: I hope you’ll find this information helpful both in dealing with your 2008 income tax return and in planning ahead... Also, tfb suggests that this deduction might be valid for 2009: This was initially good for only one year (2008). Then it was extended in th...
by LadyGeek
Sat Mar 14, 2009 4:30 pm
Forum: Forum Issues and Administration
Topic: Did you know? Tips for using bogleheads.org
Replies: 36
Views: 36597

Recently added is a Google search engine on the Wiki main page . If you can't find what you're looking for in the forum search (at top of page), try your search using the Google link. It's customized for this site. You can search the wiki (internal or Google), the forum, or both. Right-click on the ...
by LadyGeek
Sat Mar 14, 2009 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: 2009 tax guide
Replies: 7
Views: 2111

The guide misses an important point for homeowners who don't itemize for 2008. The IRS is giving a 1,000 deduction if you paid property taxes. Thanks to tfb for the article on his website: $500 Or $1,000 Property Tax Deduction for People Who Don’t Itemize Deductions . I used it for my parent's retur...
by LadyGeek
Sat Mar 14, 2009 3:12 pm
Forum: Investing - Theory, News & General
Topic: Capitulation Watch
Replies: 29
Views: 4787

I didn't quite understand the concept of capitulation. There was no definition in the Bogleheads Wiki , so I added one. Check out the definition here . I give credit back to this thread in the Discussion tab (top of the page) . Is it OK? In addition to the forum search, you can easily find this thre...
by LadyGeek
Sat Mar 14, 2009 12:09 pm
Forum: Investing - Theory, News & General
Topic: Brawl Street: Jon Stewart vs Jim Cramer
Replies: 49
Views: 8672

I'm betting Cramer had to get CNBC's permission for the interview. Not such a dumb maneuver, it's great publicity. I wonder if CNBC increased the ad rates?
by LadyGeek
Sat Mar 14, 2009 11:25 am
Forum: Personal Consumer Issues
Topic: USB mini hard drives can be deadly
Replies: 15
Views: 3315

One huge security risk with USB drives are the ones loaded with an auto-run feature called " U3 ". You insert the drive, it launches the U3 application and runs whatever you want it to. A hacker's paradise. You can prevent programs from running on your USB drive by holding down the Shift key to disa...
by LadyGeek
Mon Mar 09, 2009 9:16 pm
Forum: Forum Issues and Administration
Topic: Google search of your posts vs. Forum posts
Replies: 0
Views: 1363

Google search of your posts vs. Forum posts

Hello, After experimenting with the new Google search on the Main Wiki page , I noticed an interesting side effect (software speak for unintended consequence). Select the forum search and enter your screen-name, pick the first entry. It's the forum's command to search for your posts. Google found th...
by LadyGeek
Sun Mar 08, 2009 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Wife wants cash in the mattress: Help.
Replies: 52
Views: 9925

If you do use the mattress (or any other place in the house), dump a gallon of water on it and see how much survives. Another trick is to wrap it in foil and put it inside a plastic bag in the back of the freezer. The foil covers it, the bag protects it from moisture, and the freezer is a relatively...
by LadyGeek
Sun Mar 08, 2009 12:41 pm
Forum: Investing - Theory, News & General
Topic: How big of a deal is the Gaussian Copula function?
Replies: 19
Views: 2608

See http://vimeo.com/3261363 . It's a short film that will explain it all. Excellent. The producer never mentioned the term "tranching", but I see how it was done. I found that I didn't understand CDO's either, which he clearly explained. Also posted on NPR's Planet Money (found via the comments on...
by LadyGeek
Sun Mar 08, 2009 12:13 pm
Forum: Personal Consumer Issues
Topic: $100 House
Replies: 13
Views: 2283

I hope the new owners have reviewed their homeowners insurance policy. Replacement value is... $100.
by LadyGeek
Sat Mar 07, 2009 9:48 pm
Forum: Investing - Theory, News & General
Topic: How big of a deal is the Gaussian Copula function?
Replies: 19
Views: 2608

That is the most elegant use of color to explain a math formula I've ever seen. However, one question: What's tranching?
by LadyGeek
Sat Mar 07, 2009 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: 05 Toyota Camry or 02 BMW 325i?
Replies: 50
Views: 11830

I don't see anyone mention the cost of insurance. I'll bet the Toyota is cheaper.
by LadyGeek
Sat Mar 07, 2009 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to EFile using Turbo Tax
Replies: 26
Views: 6812

I just e-filed for myself and my parents. The only glitch is that you have to remember to enter the payer ID on all your 1099 forms. Turbo Tax will allow those fields to be missed when it checks for errors (!). I paid the $20 to e-file PA state for my parents. You have no idea of the hassle it saves...
by LadyGeek
Sat Mar 07, 2009 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax question
Replies: 2
Views: 1630

You missed it. It's a Box 14 deduction in your W-2. For PA, it's usually something like "SUI". Enter that and Turbo Tax will ask you about the deduction. It should be in the form of a drop-down menu where you will find it mentioning State Unemployment Insurance or PA unemployement tax, something lik...
by LadyGeek
Sat Mar 07, 2009 12:55 pm
Forum: Investing - Theory, News & General
Topic: ANNOUNCEMENT: New Wiki Home Page
Replies: 5
Views: 1338

Thanks. I just updated the main page to include a banner box for our sister site, finiki, and the related Financial Web Ring and forum. The links have been on the sidebar, but I thought it would be a nice thing to do. Follow the Financial Webring link and you'll see that they give us a mention at th...
by LadyGeek
Sat Mar 07, 2009 7:45 am
Forum: Personal Consumer Issues
Topic: Satellite Tv or Cable
Replies: 17
Views: 3508

Remember that you need a clear view of the southern sky. You didn't post your location, so I don't know if it will be southeast or southwest. In any case, if you have trees or a building in the way, you're stuck with cable. I would think that DishNet or DirecTV would have helpful info on their websi...
by LadyGeek
Fri Mar 06, 2009 9:01 pm
Forum: Investing - Theory, News & General
Topic: ANNOUNCEMENT: New Wiki Home Page
Replies: 5
Views: 1338

I'm a little confused on why un-nesting is considered breaking wiki rules. According to Wikipedia, the structure is actually a directed graph , with a picture shown here . By un-nesting the structure, the information has become more accessible. IOW, if a topic needs to belong in several categories, ...
by LadyGeek
Fri Mar 06, 2009 5:31 pm
Forum: Investing - Theory, News & General
Topic: 14 specialist firms settle front running cases
Replies: 3
Views: 938

I guess you never watched Office Space.
by LadyGeek
Fri Mar 06, 2009 5:15 pm
Forum: Personal Consumer Issues
Topic: Why Did You Choose Your Username and Avatar?
Replies: 66
Views: 9902

My avatar is a TV test pattern. I'm into home theater, electronics, computers, and software. I wanted something that you really have to be a geek to understand. Note that the difference between a nerd and a geek is that nerds get beat up a lot. Not geeks. :wink: On a side note, I'm also in several t...
by LadyGeek
Fri Mar 06, 2009 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Would it be wise to switch to a local bank?
Replies: 20
Views: 3428

Same here. Try exchanging a bunch of coins for your husband's coin collection online (they even ask what type of coins I'm looking for). Or, getting a free Medallion signature for your IRA paperwork online. Or, free ATM services.

They have friendly service and know me as a good customer.
by LadyGeek
Wed Mar 04, 2009 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: when you die; where does your ING Direct savings go?
Replies: 15
Views: 5034

Does no POD/TOD mean that there's no way to assign a beneficiary? I just checked my accounts and there's nothing indicating that you can assign a beneficiary. Never noticed it before. However, if you sign up for an IRA account, designation of a beneficiary is part of the application. I don't get it....
by LadyGeek
Sun Mar 01, 2009 10:13 am
Forum: Personal Consumer Issues
Topic: medical or defense: career advice for scientist/engineer
Replies: 41
Views: 5422

You're basing your conclusions about medical and defense industries on a generalization of publicly available information. That has nothing whatsoever to do with what you actually do. You could have a fantastic career in either field. You could also have the worst job known to man and be stuck there...
by LadyGeek
Sat Feb 28, 2009 8:26 pm
Forum: Personal Consumer Issues
Topic: Jury duty...help!
Replies: 63
Views: 8791

mucomix's jury duty story reminds me of my jury duty for a federal case. No one took the foreman duty, so I also figured what the heck and let's get this done. Turns out there was one guy who refused to even consider the defendant guilty because the prosecution didn't get fingerprints. They had tons...
by LadyGeek
Sat Feb 28, 2009 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is delaying or avoiding retirment viable?
Replies: 34
Views: 4495

Good discussion. To summarize my perspective, I work to the best of my abilities 40 hours a week (it's actually 44/36 with every other Friday off). After that, I get mentally tired, so I've gotten in the habit of just going home. Done. Gone. It'll be there tomorrow. Oops- it's Friday, it will be the...
by LadyGeek
Sat Feb 28, 2009 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity wants to charge me $75.00 to transfer...
Replies: 15
Views: 6887

Ameriprise charged me $175 to transfer my IRA to VG. Closing cost and transfer fee. They claim that IRAs need a lot more paperwork and effort to process.

It was $50 to close my non-IRA brokerage account.
by LadyGeek
Fri Feb 27, 2009 8:32 pm
Forum: Investing - Theory, News & General
Topic: Everything's amazing, nobody's happy
Replies: 23
Views: 4175

The sad part is nobody younger than 20 will get it. :|
by LadyGeek
Fri Feb 27, 2009 5:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's New Home Page
Replies: 18
Views: 5282

Did they just roll it back? I went there, saw the new home page and clicked on a few things to check it out. The new page had lots of Flash (pictures fading in and out), an empty and full glass (sic) at the top of the page. Next thing I know, my Firefox crashes (I lost my wiki edits...). Now, I get ...
by LadyGeek
Fri Feb 27, 2009 3:26 pm
Forum: Personal Consumer Issues
Topic: Cable TV
Replies: 16
Views: 3563

When you split the feed to go to both TVs, you cut the signal half in half. One TV is better than the other, so it can adjust to the lower level. The other one can't work with the lower signal level, so you don't get any channels. To move a thread, send a PM to any Moderator who's online right now. ...
by LadyGeek
Thu Feb 26, 2009 9:49 pm
Forum: Forum Issues and Administration
Topic: Copyright Policy Part II
Replies: 26
Views: 4529

Privacy Policy, Terms of Use - Can we include the Wiki?

Although this thread is titled Copyright policy, I believe that it's part of the grand plan to eventually create a Privacy Policy and Term of Use statement. In that regard, I'd like to see the forum, wiki, and main page have coordinated privacy policies and terms of use statements. To just about eve...
by LadyGeek
Sun Feb 22, 2009 5:36 pm
Forum: Forum Issues and Administration
Topic: Copyright Policy Part II
Replies: 26
Views: 4529

As for deleting posts, I've seem some policies in which the site reserves the right to preserve content in case of legal problems. The site admins have the final say on all content. I like the delete option on the current post for editing reasons, but I'm not expecting to delete prior posts. Assumi...
by LadyGeek
Sun Feb 22, 2009 12:50 pm
Forum: Personal Consumer Issues
Topic: Nikon D60 SLR Camera
Replies: 27
Views: 5223

Agreed that you can take excellent pictures with a P&S and poor ones with a DSLR. It's the brain behind the viewfinder that makes the difference. :) However, if you want decent quality, get the best optics you can afford. No amount of post-processing can recover information that isn't there. You can...
by LadyGeek
Sat Feb 21, 2009 10:22 am
Forum: Investing - Theory, News & General
Topic: A new way to look at correlations
Replies: 12
Views: 1493

Nobody's written much about this but I worry about the meaning of correlation when the things being correlated don't resemble the things I was used to seeing in electronic signals or in statistics classes. It was covered in the advanced class. I think when Diversification Effect is equal to 1 minus...
by LadyGeek
Sat Feb 21, 2009 9:11 am
Forum: Forum Issues and Administration
Topic: Copyright Policy Part II
Replies: 26
Views: 4529

Hello Alex, I recently joined the forum while you were away. Pleased to meet you. Congratulations! Two things missing from the forum and the main site are a Privacy Policy and Terms of Use . I think it's somewhat of a standard these days to put links at the bottom of the main page (appear on every p...
by LadyGeek
Thu Feb 19, 2009 9:52 pm
Forum: Personal Consumer Issues
Topic: Nikon D60 SLR Camera
Replies: 27
Views: 5223

I got one! Love it. However, have you ever handled one in person? That makes a huge difference. You may prefer a Canon. Don't buy until you've held one of each in your hands. Check out this thread: http://www.dslreports.com/forum/remark,20914096 The Ken Rockwell site is a good reference. Also, http:...
by LadyGeek
Thu Feb 19, 2009 9:44 pm
Forum: Investing - Theory, News & General
Topic: Fed targetting 1.7-2% inflation
Replies: 6
Views: 1485

What does this announcement mean from a retirement planning perspective? IOW can I change my inflation percentage forecast to 2%?

I'm guessing...No. Why?
by LadyGeek
Thu Feb 19, 2009 8:25 pm
Forum: Personal Consumer Issues
Topic: Would you follow dealer advice on old car maintainance?
Replies: 35
Views: 5486

The single most critical maintenance you should do is change your oil. I use Mobil One synthetic. My commute to work is under 5 minutes. That's actually severe driving conditions because the engine doesn't have a chance to warm up, which creates corrosive deposits on the interior engine surfaces. No...
by LadyGeek
Thu Feb 19, 2009 7:34 pm
Forum: Investing - Theory, News & General
Topic: New financial tool: The Geezeo!
Replies: 3
Views: 1272

Did you check their privacy policy? They use web beacons . That's another name for what's also called a 'clear gif' file. It's a huge privacy concern in that it tracks a lot more than what cookies do. http://en.wikipedia.org/wiki/Web_bug Geezeo also may use web beacons to collect non-personal inform...
by LadyGeek
Thu Feb 19, 2009 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on buying Umbrella Policy?
Replies: 40
Views: 6435

Increasing existing coverage on auto or homeowners won't help. The point is that umbrella covers things that are not covered by auto or homeowners. I got a bundle deal with State Farm. Auto, homeowners, and umbrella. Umbrella was less than $150 for $1M in PA. $1M seems to be the norm for coverage (n...
by LadyGeek
Tue Feb 17, 2009 11:04 pm
Forum: Investing - Theory, News & General
Topic: Washington Post: Responsibility is Still Good for Business
Replies: 6
Views: 1304

Wait a sec. Check the author credit: The Big Money is a financial news and analysis Web site from the Slate Group. It thanks Alex Acs, a graduate student in policy analysis at Columbia University's School of International and Public Affairs, for his statistical analysis of the performance of compani...
by LadyGeek
Tue Feb 17, 2009 8:44 pm
Forum: Investing - Theory, News & General
Topic: Washington Post: Responsibility is Still Good for Business
Replies: 6
Views: 1304

Washington Post: Responsibility is Still Good for Business

The Washington Post recently posted results of a study to determine if being socially responsible corporation had any effect on stock performance. http://www.washingtonpost.com/wp-dyn/content/article/2009/02/14/AR2009021400094.html -or- http://twp.com/detail.jsp?key=351098&rc=me_bu&p=1&all=1 (no ads...
by LadyGeek
Tue Feb 17, 2009 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Extended Warranties - Autos
Replies: 19
Views: 3918

The only extended warranty I ever bought was for a 2003 Nissan Murano. That's only because it was the first year with the CVT transmission (new design). BTW, you can negotiate on extended warranty prices. I never bought an extended warranty on any other cars and don't plan to buy any in the future. ...
by LadyGeek
Sun Feb 15, 2009 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Deductibles on homeowners insurance
Replies: 13
Views: 3765

Ditto on Sammy_M's recommendation for an umbrella policy. I got a package deal with State Farm. I don't rent, so my cost was < $150 (Pennsylvania).

The umbrella policy will cover everything that is not covered by homeowner's or auto.
by LadyGeek
Sun Feb 15, 2009 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for living in hard times
Replies: 16
Views: 3989

I'm increasing my cash reserve to maybe a 6 - 8 month minimum. I was laid off in 2002 for 8 months. I got my job at my current company by networking with friends. Remember that money for investing is after you have built up a cash reserve. There's no difference in your net worth between paying off a...
by LadyGeek
Sun Feb 15, 2009 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected physical life of a computer?
Replies: 55
Views: 8332

2. I do backup all files regularly using an external hard drive. My most important Microsoft Money financial files are also backuped weekly to a CD. I keep the last two CDs in case one is defective. I have never tested my external hard drive backup. I have just "hoped" that it will restore everythi...