Search found 30722 matches

by LadyGeek
Tue Jun 23, 2009 7:07 pm
Forum: Investing - Theory, News & General
Topic: Making it simple––Tax Loss Harvesting
Replies: 36
Views: 6872

No to mention Tax Loss Harvesting on the Bogleheads Wiki.
by LadyGeek
Sun Jun 21, 2009 9:43 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

FWIW, the example in the wiki works out to 10x leverage, not 9x as I calculated here. The answer became apparent as I worked through the problem. I found a web site that showed a graph that plotted various amounts of leverage. You could see how leverage represented changes in the slope of the line. ...
by LadyGeek
Sun Jun 21, 2009 3:53 pm
Forum: Personal Consumer Issues
Topic: Car battery recommendations/slow power windows?
Replies: 35
Views: 10337

7. You can then apply grease or anticorrosion products to the terminal. Old trick - use Vaseline. It's very cheap, non-toxic, and waterproof. Household item. If you have protective rubber boots to place over the posts, so much the better- it will keep the Vaseline from rubbing off. I also agree wit...
by LadyGeek
Sun Jun 21, 2009 11:11 am
Forum: Investing - Theory, News & General
Topic: Best money market fund yields, Vanguard does poorly
Replies: 11
Views: 3205

Remember to compare on an after-tax basis. Some of the VG money market funds are fed and / or state tax free. tfb's Bond Fund Yield Calculator can do this comparison and is on the wiki here: Taxable-Equivalent Yields . Savings account interest is the same as compound yield for the calculator. (Part ...
by LadyGeek
Sat Jun 20, 2009 12:34 pm
Forum: Personal Consumer Issues
Topic: Anyone Remember "Computers Never Lie"?
Replies: 10
Views: 2156

Ask a computer to prove the statement: "This statement is false", a.k.a. the Liar's paradox. If you followed the original Star Trek, there's an episode where Captain Kirk defeats a "superior" android by introducing a logic loop similar to the question's liar paradox. The android ...
by LadyGeek
Sat Jun 20, 2009 12:27 pm
Forum: Personal Consumer Issues
Topic: Security risks Public Wifi hotspots
Replies: 41
Views: 6588

You should be paranoid about losing your computer. That's a given. The 3 best solutions: Encrypt, encrypt, encrypt. And encrypt your wireless connection as previously stated. The best (free!) solution, which is highly recommended by a lot of people is TrueCrypt . I use it to encrypt my personal info...
by LadyGeek
Sat Jun 20, 2009 11:23 am
Forum: Investing - Theory, News & General
Topic: How to assess my need for risk?
Replies: 21
Views: 2725

Tolerable Loss x 2 = Equity Allocation < 50% If you decide to go over 50% in stocks, make sure you fully understand the risk involved and consequences if you are wrong. Do an annual evaluation of where you stand, your goals, savings rate, progress and risk tolerance. It's not a perfect science, it'...
by LadyGeek
Sat Jun 20, 2009 8:39 am
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

Margin requirements about time of day added. Since I also added a definition for margin (and link to it), I added it there as well. As for futures costs, I didn't use that in the leverage page because I didn't know if hewhomustnotbenamed's example with the 4x leverage was related to the amount or th...
by LadyGeek
Fri Jun 19, 2009 9:04 pm
Forum: Personal Investments
Topic: Are bond funds less tax efficient than savings accounts?
Replies: 15
Views: 3673

Be sure to only compare funds on an after-tax basis. There's a couple of calculators that can help you do that on the wiki. Please see Tools and Calculators on the Bogleheads Wiki . Checkout the Taxable-Equivalent Yields section. You can compare a savings account with a bond fund. A savings account ...
by LadyGeek
Fri Jun 19, 2009 8:44 pm
Forum: Personal Investments
Topic: Anything wrong with Vanguard Target Funds?
Replies: 33
Views: 5711

Thanks for the wiki link. What's the best way to find things in the wiki? In the past I've used the search box or categories page but I don't always find what I'm searching for. Did you know that you can use the Google Search engine for the wiki? It's on the main page , 3rd box down on the left. Se...
by LadyGeek
Fri Jun 19, 2009 8:31 pm
Forum: Investing - Theory, News & General
Topic: Is a college degree worthless?
Replies: 133
Views: 18580

If you work for a US government contractor (or the government itself), you need to have a college degree from an accredited school to be called an engineer. I guess it's the easiest way for the government to guarantee that you are competent to hold the position. Other than that, there's not much els...
by LadyGeek
Fri Jun 19, 2009 8:20 pm
Forum: Personal Consumer Issues
Topic: Best way to ask for a raise
Replies: 38
Views: 4946

Asking her manager for an "understanding" of why her salary didn't move is the best option. Having the same salary in a higher position may have positive benefits next year. Those positions have a "bell curve" in terms of where each employee is within the total range of compensat...
by LadyGeek
Fri Jun 19, 2009 8:04 pm
Forum: Investing - Theory, News & General
Topic: How to assess my need for risk?
Replies: 21
Views: 2725

Vanguard has a useful tool to help you determine your level of risk, which will help with asset allocation choices. Vanguard's Investor Questionnaire is designed to assist investors with choosing an asset allocation. (Select: "Begin the Vanguard Investor Questionnaire") - From Vanguard Tar...
by LadyGeek
Fri Jun 19, 2009 7:52 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

Yes, thank you! I don't know much about margin and I didn't realize all of the implications. It's now part of the description about using margin as a form of leverage. It was also very useful for the wiki page about margin, so I copied it there as well. Please see Margin on the Bogleheads Wiki . I a...
by LadyGeek
Thu Jun 18, 2009 9:30 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

The new wiki page on Leverage is ready to go. Thanks to everyone for the help- I used a lot of the opinions and links in this thread. Please see Leverage on the Bogleheads Wiki . :!: Please review carefully . :!: I'd like to be sure that I captured everything correctly. The forum opinions regarding ...
by LadyGeek
Mon Jun 15, 2009 9:57 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

Thanks. I didn't know the "popular" use of leverage. I'll be sure to use a margin account example as well as mention about use of leverage in real estate. Work started. However, I first needed to create definitions for derivative, options, and futures (future contracts). Those terms are in...
by LadyGeek
Mon Jun 15, 2009 6:52 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

Leverage is investing money you don't have, plain and simple. Leverage has no place on the wiki, other than to stay away, IMHO. Leverage certainly does have a place in the wiki. It's an important topic to understand as it's used in real estate as well as investing. What you do with the information ...
by LadyGeek
Sun Jun 14, 2009 7:29 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

nisiprius - great info. However, I have some questions about your example (and physics): ...It's called leverage because the effect is to increase both profits and losses, like a lever--a third-class lever, if you remember your high-school physics... An ordinary retirement saver shouldn't be taking ...
by LadyGeek
Sun Jun 14, 2009 5:55 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

The link is here Leveraged Investment Showdown Now I have an example calculation - thanks! tetractys is also looking for confirmation if this is also a correct way to calculate leverage: In the case of 25 times leverage, if you invest $100 in a security that goes up or down 10%, your investment goes...
by LadyGeek
Sun Jun 14, 2009 5:03 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

There's a subtle point here that exeunt alluded to in the Options Leverage Calculation . It applies to derivatives, such as stock options and futures - which is what Gavagai is holding. Does this mean that "normal" buy/sell equities don't have leverage? I'm differentiating between leveragi...
by LadyGeek
Sun Jun 14, 2009 4:58 pm
Forum: Personal Investments
Topic: I have 4x leverage : do I know what I'm doing ?
Replies: 24
Views: 5953

I always ask questions if I don't understand the concept. However, I didn't want to hijack your thread - so I started one which asks basic questions about leveraging. http://www.bogleheads.org/forum/viewtopic.php?t=39023. Comments questions are always welcome.
by LadyGeek
Sun Jun 14, 2009 4:10 pm
Forum: Investing - Theory, News & General
Topic: What is "Leverage"?
Replies: 37
Views: 7245

What is "Leverage"?

Following the discussion in this thread, I have 4x leverage : do I know what I'm doing ? , I found that I don't understand what's meant by leverage . The poster is holding equities as stock index futures and oil futures. Are futures considered to be a form of leverage (vs. just stocks)? I am confuse...
by LadyGeek
Sun Jun 14, 2009 3:40 pm
Forum: Personal Investments
Topic: I have 4x leverage : do I know what I'm doing ?
Replies: 24
Views: 5953

The wiki is also a good place to read. You can find the Bogleheads Investment Philosophy on the Bogleheads Wiki.
by LadyGeek
Sun Jun 14, 2009 3:33 pm
Forum: Personal Consumer Issues
Topic: Underemployed
Replies: 29
Views: 4556

You are missing the big picture here - politics. Your boss is "extremely powerful in the organization". She's giving you direction to hold back for later. That means she's up to something and needs you to be a team player. When the time's right, she'll reward you with a promotion. Of cours...
by LadyGeek
Sun Jun 14, 2009 2:19 pm
Forum: Personal Consumer Issues
Topic: Home Networking Problem – Unable to Print
Replies: 26
Views: 3953

It stopped working after you came back from vacation? Sounds like somebody moved the printer (or put something in the way), which may have covered up the antenna. Put it right next to the router so there's no doubt that it's antenna can get the signal. Then, reboot (power off/on) the router, then pr...
by LadyGeek
Sun Jun 14, 2009 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Financial Start-Up Kit now on the Wiki
Replies: 8
Views: 2127

As for the http://www.bogleheads.org/wiki/Target_Date_Retirement_Funds , I suggest this info should be placed early on for new investors to read, with a caution to ignore the "year" and select the one with the desired asset allocation. I just updated Vanguard Target Retirement Funds on th...
by LadyGeek
Sat Jun 13, 2009 6:06 pm
Forum: Personal Consumer Issues
Topic: Computer Languages we have known (and maybe loved)
Replies: 122
Views: 18683

MatLab is confused on its origins. It was spawned from ideas in FORTRAN and adapted constructs from C and BASIC. Agreed that it's great for prototyping. However, it's very unforgiving when you use the MEX compiler functions with C. Very important to validate the var types passed to C and bounce back...
by LadyGeek
Sat Jun 13, 2009 4:25 pm
Forum: Personal Consumer Issues
Topic: Computer Languages we have known (and maybe loved)
Replies: 122
Views: 18683

C++ is your typical one-night stand. He entices you with a few pick-up lines and promises of long-term romance. At the soonest opportunity, he reuses those same lines on a different woman.
by LadyGeek
Sat Jun 13, 2009 1:53 pm
Forum: Investing - Theory, News & General
Topic: Kudos to Bogleheads !
Replies: 5
Views: 1325

Re: Kudos to Bogleheads !

One minor update to your link, it didn't like the comma. Morningstar
by LadyGeek
Sat Jun 13, 2009 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need some career advice...
Replies: 30
Views: 5230

If you want some opinions as to whether you think your investments are realistic to achieve your goals, why don't you start a "need help with my portfolio" thread in the Investing - Help with Personal Investments forum? Follow this guide on how to setup the post: http://www.bogleheads.org/...
by LadyGeek
Fri Jun 12, 2009 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need some career advice...
Replies: 30
Views: 5230

Do you have medical insurance? What happens if something bad happens and you're in a hospital long-term? Think about either funding your own insurance or working for someone who can provide it. Do you have a financial plan? I don't mean hiring a financial advisor. I mean making a plan that includes ...
by LadyGeek
Fri Jun 12, 2009 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Financial Start-Up Kit now on the Wiki
Replies: 8
Views: 2127

I did some editing in the Bogleheads Investing Start-Up Kit , "Implementing an Investment Plan" section. Removed: - ETFs, as they are not for beginners. From what I've read in the forum, they are only for those who know what they're doing and understand the tax implications. - Historical a...
by LadyGeek
Fri Jun 12, 2009 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Financial Start-Up Kit now on the Wiki
Replies: 8
Views: 2127

To be clear, Barry Barnitz is doing a lot of work (+ Dan Kohn, CyberBob, pkcrafter, etc.). We're trying to make this new "Start-Up Kit" easy to navigate through as well as have good introductory content. What should be done with the Target Date Retirement Funds ? They're buried deep in the...
by LadyGeek
Thu Jun 11, 2009 9:25 pm
Forum: Personal Consumer Issues
Topic: Tipping the housekeeping staff at hotels?
Replies: 79
Views: 15525

I tipped the housekeeping staff at a fishing lodge. It's a small family run business and they appreciate it. Commercial establishments? No way.
by LadyGeek
Thu Jun 11, 2009 9:01 pm
Forum: Investing - Theory, News & General
Topic: Instructions for Surviving Spouse
Replies: 56
Views: 9193

I'm struggling here. We just launched the Bogleheads Financial Start-Up Kit on the Bogleheads Wiki (The "help" box on the main page). It's sole purpose is to help teach "the basics" to people who know nothing about finance using the resources in the wiki and this forum. (Those wh...
by LadyGeek
Thu Jun 11, 2009 8:13 pm
Forum: Investing - Theory, News & General
Topic: What are the drawbacks,if any,of the Boglehead philosophy?
Replies: 111
Views: 13691

For reference, it's summarized here: Please see Bogleheads Investment Philosophy on the Bogleheads Wiki.
by LadyGeek
Wed Jun 10, 2009 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Financial Start-Up Kit now on the Wiki
Replies: 8
Views: 2127

Bogleheads Financial Start-Up Kit now on the Wiki

To many new investors, the concepts needed to understand investing, and finance topics in general, can be overwhelming. The forum and wiki contain a lot of information to help, but many new forum members have no idea where to even start. There was nothing to tie everything together. Taking initiativ...
by LadyGeek
Wed Jun 10, 2009 9:01 pm
Forum: Personal Investments
Topic: Title edited - Quick Notes from the Start Up Kit
Replies: 35
Views: 6282

Barry Barnitz has added content to the start-up kits, including a toolbar at the bottom to help navigate among the pages. I didn't see any reason to keep the kits in the development area. So... the Start-Up Kits are officially launched on the main page. Let's see what happens. I'll start a new threa...
by LadyGeek
Wed Jun 10, 2009 8:08 pm
Forum: Personal Investments
Topic: Series I Savings Bond
Replies: 7
Views: 1799

There's more info in the wiki. Please see I Bonds vs TIPS on the Bogleheads Wiki.
by LadyGeek
Wed Jun 10, 2009 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money being discontinued
Replies: 119
Views: 31067

I'm using Quicken 2007 and was wondering if I should upgrade. Based on reviews of Quicken 2009, no. I'm rather surprised MS is giving up. Think of all the companies that have to continue to provide download support services. Is there any chance that someone else will pick this up? Quicken needs some...
by LadyGeek
Wed Jun 10, 2009 6:47 pm
Forum: Personal Consumer Issues
Topic: Computer Languages we have known (and maybe loved)
Replies: 122
Views: 18683

An SQL query goes into a bar, walks up to two tables and says, "Can I join you?" ~~~~~~~~~~~~~~~~~~~~~~~~~ Two bytes meet. The first byte asks, “Are you ill?” The second byte replies, “No, just feeling a bit off.” ~~~~~~~~~~~~~~~~~~~~~~~~~ How many programers dose it take to change a light...
by LadyGeek
Wed Jun 10, 2009 6:33 pm
Forum: Personal Consumer Issues
Topic: OT - Stanley Cup final
Replies: 46
Views: 5614

Don't feel bad. ComCast does the same when local NBC covers the Flyers games. Or, we can both be annoyed. :P

We only get CBC via the NHL network. HNIC (Hockey Night in Canada) every Saturday night. Love it.

I'll throw in also - tat2ng, nice image.
by LadyGeek
Tue Jun 09, 2009 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: A Gift, A Blessing, An Error?
Replies: 22
Views: 3413

Re: A Gift, A Blessing, An Error?

My adult son, in Philadelphia, took a different track. He called the US Mint customer service and told them I was confused about the gold coin. They said it had been ordered by credit card # .....xxxx. The charge didn't clear for some reason but since the coin was returned they credited me the purc...
by LadyGeek
Tue Jun 09, 2009 9:53 pm
Forum: Personal Consumer Issues
Topic: OT - Stanley Cup final
Replies: 46
Views: 5614

Wow. I couldn't stop watching. Unbelievable. Game 7 it is. I hope the home team advantage is still working.
by LadyGeek
Tue Jun 09, 2009 8:55 pm
Forum: Personal Investments
Topic: Title edited - Quick Notes from the Start Up Kit
Replies: 35
Views: 6282

After looking at all the additional suggestions in this thread, it occurred to me that I didn't understand where to start. The suggestions cover not only investing, but financial planning (as well as retirement planning). IOW, everything that is already covered in the wiki's Category list . The help...
by LadyGeek
Mon Jun 08, 2009 9:45 pm
Forum: Personal Investments
Topic: Title edited - Quick Notes from the Start Up Kit
Replies: 35
Views: 6282

I just finished a prototype (first-cut design) of the wiki main page to show you what I'm planning: Main Page Development The pages are up and running, waiting for content. You can see the context of how I'm approaching new users. Don't worry, we can help. It's easy... While I was at it, it was too ...
by LadyGeek
Mon Jun 08, 2009 6:59 pm
Forum: Personal Consumer Issues
Topic: OT - Stanley Cup final
Replies: 46
Views: 5614

The single most influential rule change they did was to remove the two-line pass penalty. It drove me nuts. I remember John LeClair being a huge advocate of this rule when he was on the Flyers. The shoot-out was for the benefit of the broadcasters. I'd rather see the point for the tie. They add up. ...
by LadyGeek
Mon Jun 08, 2009 4:55 pm
Forum: Personal Investments
Topic: Title edited - Quick Notes from the Start Up Kit
Replies: 35
Views: 6282

Ignoring all rationale to leave things status quo, I had an idea to address a problem which has been discussed before. Problem: New investors have no idea where to begin. Having all those sticky threads doesn't help because new users don't even know what to look for. The forum is confusing. The wiki...
by LadyGeek
Sun Jun 07, 2009 9:11 pm
Forum: Personal Consumer Issues
Topic: OT - Stanley Cup final
Replies: 46
Views: 5614

I say beat the Pens while they are down. The last thing you want is a momentum swing.
by LadyGeek
Sun Jun 07, 2009 9:07 pm
Forum: Investing - Theory, News & General
Topic: Instructions for Surviving Spouse
Replies: 56
Views: 9193

I'm fortunate that I can handle the finances. One thing to think about is "Do you have anyone in the family you absolutely trust to handle these matters?". Sometimes, yes. Most of the time, no. You say you have a plan. Hopefully, that means you've worked with an Estate Planning Attorney to...