Search found 30281 matches

by LadyGeek
Sun Nov 08, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: Tilting toward freedom and democracy in emerging market ETFs
Replies: 32
Views: 2465

Re: Tilting toward freedom and democracy in emerging market ETFs

This thread has run its course and is locked (political policy). 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 policie...
by LadyGeek
Sun Nov 08, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Register NOW for these Bogleheads Speaker Series Events
Replies: 67
Views: 5186

Re: Register NOW for these Bogleheads Speaker Series Events

You may have made a type in the email address. Try registering again. You should get a confirmation email. Or, go to The Bogleheads Speaker Series --> Already registered? --> Forgot your confirmation number? --> enter your email address. I don't know if it checks if your email is registered, but if ...
by LadyGeek
Sun Nov 08, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Amortization Based Withdrawal Approach to Determine Withdrawals: Year 2000 Retiree Example

I'm wondering whether it would be better to split the discussion of Wiki changes to another thread and leave this thread as it was intended to be: a fairly simple example of how to implement a version of the ABW method. Prior to this thread, many opined that the method was too complicated, and some...
by LadyGeek
Sun Nov 08, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 24071

Re: PC Build Thread 2020

I'd like to mention that I did indeed end up building a complete 'backup' PC from my Lenovo desktop (1 of 2) which was replaced by my new build. It's up and running with Linux Fedora 33. The hard drive was formatted using the Btrfs (B-tree file system), which essentially wipes the disk of all previo...
by LadyGeek
Sun Nov 08, 2020 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Amortization Based Withdrawal Approach to Determine Withdrawals: Year 2000 Retiree Example

I agree, the title is a bit misleading. The example is just used to illustrate the concept. Removing the example part leaves "Using the Amortization Based Withdrawal Approach to Determine Withdrawals" which is redundant. Alternatively, I suggest taking lead from longinvest's Variable Perce...
by LadyGeek
Sat Nov 07, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: No RMD required this year
Replies: 39
Views: 3099

Re: No RMD required this year

I removed an off-topic comment and reply conjecturing on changes in tax law. Speculation about future legislation is prohibited by forum policy, see: Unacceptable Topics Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and c...
by LadyGeek
Sat Nov 07, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49146

Re: JPM Chase Reserve Card gets more expensive

I removed some comments related to the coronavirus. See: Please read before posting on coronavirus/COVID-19
by LadyGeek
Sat Nov 07, 2020 7:02 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 31253

Re: Is anyone waiting until after the election?

Please stay on-topic, which is timing the market.
by LadyGeek
Sat Nov 07, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 313
Views: 19761

Re: H&R Block 2020 software offer

^^^ I also assume it's the same H&R Block email that was sent a few weeks ago, but with a different sales pitch. For me, the email targeted Deluxe + State. 35% off (29.22) is more than $20 off for the Deluxe + State (34.95). ========================================= I don't want to lose nalor511...
by LadyGeek
Sat Nov 07, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 313
Views: 19761

Re: H&R Block 2020 software offer

^^^ :) Yes, I saw that. I'm wondering how many people understand what $0 discount means. That's why I purchased the software. It split the difference between now and waiting for a possible black Friday sale. I wanted to get my taxes done before the end of the year (need a good estimate for planning ...
by LadyGeek
Sat Nov 07, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 31253

Re: Is anyone waiting until after the election?

I removed a post and reply which questioned a moderator action. See: Member Rights in a Dispute Notifying the Advisory Board via PM or e-mail is the only acceptable outlet for complaints regarding Moderator action. Members do not have the right to take their appeal to the rest of the forum or to co...
by LadyGeek
Sat Nov 07, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 313
Views: 19761

Re: H&R Block 2020 software offer

I just got a reminder email from H&R Block repeating the discount offer. Out of habit, I decided to check if I could find cheaper offers elsewhere. Yup. The usual coupon code sites came in about $1 higher, but PCWorld (of all places) had the software for $5 less than H&R Block. See: H&R ...
by LadyGeek
Sat Nov 07, 2020 4:26 pm
Forum: Investing - Theory, News & General
Topic: improving the 4% rule and solving the starting point paradox
Replies: 67
Views: 7607

Re: improving the 4% rule and solving the starting point paradox

Welcome! I confirm that minnend has received permission from the Advisory Board to link to his paper and websites. See: No Solicitation Please do not solicit business or website traffic on this forum. Forum officers will determine what constitutes solicitation on a case by case basis, but we offer t...
by LadyGeek
Sat Nov 07, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Amortization Based Withdrawal Approach to Determine Withdrawals: Year 2000 Retiree Example

Regarding a new wiki page for the discussion of expected return, let's try and keep it in the current page. Having everything together will keep readers focused and make things easy. Only go into a separate page if there's enough content to justify it, or it's at a different level where having a new...
by LadyGeek
Fri Nov 06, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Amortization Based Withdrawal Approach to Determine Withdrawals: Year 2000 Retiree Example

Can the terminology be simplified in the Fixed asset allocation with sub-portfolios section? Most of the section is targeting readers with a high-level background in finance. I underlined the terminology that may not be understood by new investors. Fixed asset allocations can be adapted to more gene...
by LadyGeek
Fri Nov 06, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Car Price Creep (What's Ok?)
Replies: 52
Views: 4334

Re: Car Price Creep (What's Ok?)

I removed a number of posts which got into a contentious interchange questioning ownership of high-end car models. Continuity is lost. 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:...
by LadyGeek
Fri Nov 06, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Amortization Based Withdrawal Approach to Determine Withdrawals: Year 2000 Retiree Example

I've updated the thread title in the wiki articles to match. ("External links" section)
by LadyGeek
Fri Nov 06, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Can someone give me a simple "For Dummies" version of buying physical gold?
Replies: 36
Views: 3754

Re: Can someone give me a simple "For Dummies" version of buying physical gold?

Discussions of dishonest behavior or bypassing the law is totally unacceptable.

I removed a post suggesting the OP make a false claim regarding receipt of the package.
by LadyGeek
Fri Nov 06, 2020 3:04 pm
Forum: Investing - Theory, News & General
Topic: Constant Percentage
Replies: 10
Views: 2500

Re: Constant Percentage

Welcome! FYI - You are bumping a 2016 thread. This is a general discussion and the posting date may not have any impact. However, I wanted to point this out.
by LadyGeek
Fri Nov 06, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

To be generic, you can write a section explaining r and provide example representations, e.g. expected return, 1/ CAPE + bond yields, etc. ============== A word about nomenclature - Be consistent in variable usage and capitalization. Don't redefine variables that may conflict with the "standard...
by LadyGeek
Fri Nov 06, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: severance negotiation
Replies: 83
Views: 4444

Re: severance negotiation

Upon further review, this thread will remain locked due to contention with ethical issues. 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 p...
by LadyGeek
Fri Nov 06, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Wall Street Journal $4 per month
Replies: 22
Views: 3004

Re: Wall Street Journal $4 per month

This thread is now in the Personal Consumer Issues forum (subscription).
by LadyGeek
Thu Nov 05, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

#cruncher as several posts on Page 5 of this thread. Here's one such post: Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example Is this what you're looking for? When viewing this thread, enter "#cruncher" in the search box at the top-left corner of ...
by LadyGeek
Thu Nov 05, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

^^^ The wiki page Comparing investments is a time value of money tutorial. Are you looking for something more than that? If you can provide links of #cruncher's posts, we can put them in the wiki. ...I suggested changing the name to to include "amortization" in this post . I think it's at ...
by LadyGeek
Thu Nov 05, 2020 3:18 pm
Forum: Investing - Theory, News & General
Topic: Reason for Tech Rally after elections
Replies: 54
Views: 5799

Re: Reason for Tech Rally after elections

This is a "No poltics" forum. I removed several posts which linked to articles explaining the political basis for the tech rally (contained political commentary). Linking to those articles brings the discussion in to the forum and invites further comments. Those posts have been removed. A...
by LadyGeek
Thu Nov 05, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 31253

Re: Is anyone waiting until after the election?

To be clear, investing approaches other than the Bogleheads® investment philosophy are always permitted.

If anyone has further comments regarding our moderating approach, please PM me directly. Don't post here.
by LadyGeek
Thu Nov 05, 2020 8:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10547
Views: 834412

Re: U.S. stocks continue to soar!

This is a "No poltics" forum. A single mention of the probable presidential election winner sparked a contentious interchange. Those posts have been removed. As a reminder, see: Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or rel...
by LadyGeek
Thu Nov 05, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Amortization Based Withdrawal (ABW)
Replies: 578
Views: 36343

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

I'm also looking at the wiki article. The page needs to be stand-alone, meaning that someone who is seeing the page for the first time can understand what's going on. We're missing a high-level overview. The math is certainly correct, but amortization is the implementation detail - not the objective...
by LadyGeek
Thu Nov 05, 2020 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8116
Views: 566560

Re: Refinance Mega Thread

Bmonaye, Welcome! Although your house is valued over $1 million, I moved your post into the refi discussion that does not involve relationships or moving assets.
by LadyGeek
Wed Nov 04, 2020 7:01 pm
Forum: Personal Investments
Topic: How close to cliff to go for 2020 roth conversion
Replies: 13
Views: 2423

Re: How close to cliff to go for 2020 roth conversion

How good are you with spreadsheets? You can figure it out for yourself with this free download: Retiree Portfolio Model Once you get comfortable with it, you'll be able to see exactly how to setup your Roth IRA conversions.
by LadyGeek
Wed Nov 04, 2020 3:41 pm
Forum: Personal Investments
Topic: How close to cliff to go for 2020 roth conversion
Replies: 13
Views: 2423

Re: How close to cliff to go for 2020 roth conversion

If the bill to increase the RMD to age 75 passes, that'll give me a lot more time - right now I have one more year before RMD so anxious to convert as much as possible before then. For the record, we don't permit discussion of future tax proposals (proposed legislation). This is a "no politics...
by LadyGeek
Wed Nov 04, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10547
Views: 834412

Re: U.S. stocks continue to soar!

I removed a post linking to an article which stated that the market rally is due to a predicted election outcome. The article made further comments on the opposing candididate's opinion of the market movement (political). I also removed one reply. Linking to an article brings the discussion into th...
by LadyGeek
Wed Nov 04, 2020 12:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10547
Views: 834412

Re: U.S. stocks continue to soar!

This is a "No politics" forum. I removed several posts conjecturing on the election outcome (political 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 exceptio...
by LadyGeek
Tue Nov 03, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323639

Re: Retiree Portfolio Model

There's a typo in the Setup sheet --> Portfolio Cash Flow Diagram (starting at R6). The lower-left side arrow "Special Evt" should be "Special Exp" (Special Expenditures). The text comes from cell "Shape_Special" and is defined in AA65. It tracks to the Summary sheet w...
by LadyGeek
Tue Nov 03, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: “Fairness” with adult kids
Replies: 21
Views: 2250

Re: “Fairness” with adult kids

This thread has run its course and is locked (relationship issue, off-topic). 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. Anythi...
by LadyGeek
Tue Nov 03, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: cell phone plan request (~500 mb/month data only; no voice/text)
Replies: 32
Views: 1540

Re: cell phone plan request (~500 mb/month data only; no voice/text)

I removed a post offering a referral link (not permitted). See: No Solicitation
Members may not post affiliate or referral links, except affiliate links in support of the forum, or ask for referrals.
by LadyGeek
Tue Nov 03, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why do I do this? [property taxes vs. tax-advantaged accounts]
Replies: 7
Views: 1039

Re: Why do I do this?

This thread has run its course and is locked (not actionable, influence of (public vs. private) taxation on assets). 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 econo...
by LadyGeek
Tue Nov 03, 2020 1:59 pm
Forum: US Chapters
Topic: Anyone in touch with gummy? (Peter Ponzo)
Replies: 13
Views: 3732

Re: Anyone in touch with gummy? (Peter Ponzo)

This thread is now in the US Chapters forum (Bogleheads Community). gummy was indeed Canadian and a Bogleheads member, but the US forum is mostly used for member inquiries. We started out with a single community forum, then created the Non-US chapters forum when we added the other non-US investing f...
by LadyGeek
Tue Nov 03, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323639

Re: Retiree Portfolio Model

In section 9. Optional: Alternative Tax Rates, the comments in Cells A9 and F317 (Change year) use 2025 as an example for the starting year. Based on current law for the Tax Cuts and Jobs Act, individual tax rates expire after December 31, 2025 and revert to the previous rates. I believe 2026 would ...
by LadyGeek
Tue Nov 03, 2020 11:34 am
Forum: Personal Investments
Topic: Vanguard Growth Fund VUG/Other similar funds
Replies: 13
Views: 1069

Re: Vanguard Growth Fund VUG/Other similar funds

This thread is now in the Personal Investments forum (portfolio help).
by LadyGeek
Tue Nov 03, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10547
Views: 834412

Re: U.S. stocks continue to soar!

US election timing can be discussed here: Is anyone waiting until after the election?
by LadyGeek
Tue Nov 03, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1026
Views: 323639

Re: Retiree Portfolio Model

In the Setup sheet --> Section 8. Income Taxes --> taxable account adjustment (Row 272): These descriptions confused me: - Row 276: "Net growth distributed as dividends, CG, etc." - Row 277: "Distributed as qualified dividends and LTCG" My taxable account only has savings account...
by LadyGeek
Tue Nov 03, 2020 9:10 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 536
Views: 193822

Re: Forum software upgrade bug reports and change requests

Can you reproduce the problem? I'd like the exact steps you took to create the duplicate post.

Use Please Try Out Test Posts Here if you want to experiment with your posts.
by LadyGeek
Mon Nov 02, 2020 9:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10547
Views: 834412

Re: U.S. stocks continue to soar!

Don't forget Alaska and Hawaii. :)
by LadyGeek
Mon Nov 02, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Flat tire fix kit
Replies: 42
Views: 2431

Re: Flat tire fix kit

retire14 - You had a duplicate post which I've removed. I moved the one reply into this thread.

(Thanks to the member who reported the post. One of the reasons is "Duplicate thread".)
by LadyGeek
Mon Nov 02, 2020 9:09 pm
Forum: Personal Investments
Topic: 1.3M at 30 - what would you do?
Replies: 89
Views: 9654

Re: 1.3M at 30 - what would you do?

I removed a post and contentious reply regarding relationships.

Please stay on-topic, which are the financial aspects.
by LadyGeek
Mon Nov 02, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage versus Mutual Fund Account Decision thread
Replies: 157
Views: 6193

Re: Vanguard Brokerage versus Mutual Fund Account Decision thread

For new investors - Don't confuse holding a fund with owning a fund. From the wiki: Vanguard safety - Bogleheads (Custody) By contrast, Vanguard (and every other US-regulated mutual fund company) must custody their assets with a third party. Many of the funds managed by Vanguard have their assets he...