Search found 1642 matches

by prudent
Sat Aug 29, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Cost of archiving family history
Replies: 3
Views: 170

Re: Cost of archiving family history

Having worked with computers for a very long time, my concern would be that regardless of what digital media you choose - even if it retains the data for a thousand years -will there be any devices or software that will be able to read the data even a hundred years from now? And $2000 for photo scan...
by prudent
Fri Aug 28, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: what could cause a credit score decline if no obvious issue on credit report?
Replies: 8
Views: 563

Re: what could cause a credit score decline if no obvious issue on credit report?

No question being overlimit on an account is what tanked your score, but as was mentioned it will recover as soon as it's paid off (= puts your utilization very low again).
by prudent
Fri Aug 28, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: help with morningstar x-ray
Replies: 3
Views: 186

Re: help with morningstar x-ray

IIRC it's either CASH$ or $CASH
by prudent
Thu Aug 27, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 33
Views: 1871

Re: Joint finances and cash management

The solution is always a very personal choice that fits the couple. I have friends who think what we do to manage family finances is nuts and I think the same of some of their methods. I don't believe there is one best way. If you both think having separate checking accounts is a good solution, go w...
by prudent
Thu Aug 27, 2015 6:52 am
Forum: Personal Finance (Not Investing)
Topic: PenFed offer to use their card
Replies: 5
Views: 824

Re: PenFed offer to use their card

I've gotten similar come-back-to-us offers from three other big card issuers. It's a minor plus for having more credit cards than you really need. Those offers usually bring in a couple hundred a year, and I don't even go after all of the offers (Discover once offered me a $500 bonus for charging $2...
by prudent
Wed Aug 26, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Deluxe 2012
Replies: 3
Views: 270

Re: Quicken Deluxe 2012

I assume you are entering your checking account transactions manually (instead of downloading them). Then you can keep using the version you have as long as it can run on Windows - and I believe that will be quite a few years. I wouldn't be in any hurry to change.
by prudent
Wed Aug 26, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: John Greaney reviews Vanguard Personal Advisor Services
Replies: 14
Views: 1662

Re: John Greaney reviews Vanguard Personal Advisor Services

These kinds of analyses tend to depress me. For some time now I've considered pursuing a CFP or CFA and provide financial help to people on a part-time basis in retirement in a way that doesn't fleece them. But it's hard to come up with a way to charge for the service that makes sense for everyone ...
by prudent
Tue Aug 25, 2015 7:26 pm
Forum: Investing - Theory, News & General
Topic: John Greaney reviews Vanguard Personal Advisor Services
Replies: 14
Views: 1662

Re: John Greaney reviews Vanguard Personal Advisor Services

To his credit Greaney makes it clear that Vanguard's services are at the very low end of the cost spectrum, but I think he makes a very compelling case that paying anyone a percentage of assets for advice is a costly move He goes beyond "a costly move" - he says "Paying a percent of ...
by prudent
Tue Aug 25, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Should I feel guilty?
Replies: 10
Views: 1375

Re: Should I feel guilty?

Nothing to feel guilty about. It's your money, you decide what to do with it. You said you weren't upfront - you're under no obligation to notify them in advance that you plan to take your money out. They made that offer in hopes you wouldn't jump ship. If it doesn't go the way they hoped, it's not ...
by prudent
Mon Aug 24, 2015 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Should I TLH all my VTIAX ($900k) to reap $103k loss or wait?
Replies: 13
Views: 1521

Re: Should I TLH all my VTIAX ($900k) to reap $103k loss or wait?

Scamp wrote:So if I end up with a very large loss to carry over to future tax years can I just keep deducting that indefinitely? Does it age out?


You can use the carry over to offset capital gains, and up to $3,000 a year against income, indefinitely.
by prudent
Sun Aug 23, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Buy warranty for Microsoft Surface?
Replies: 10
Views: 724

Re: Buy warranty for Microsoft Surface?

I think the new Surface Pro 4 is coming out in just over a month, might be worth waiting a little.
by prudent
Sat Aug 22, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer money to online bank account
Replies: 16
Views: 1437

Re: Transfer money to online bank account

I have transferred money from two different bank accounts to an Ally MMA with no problems. And no fees.
by prudent
Sat Aug 22, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need investment retirement help
Replies: 11
Views: 750

Re: Need investment retirement help

Sorry to hear about your stepfather's passing. Agree with calling Vanguard for managing investments for 0.3% but my understanding is they do not provide what I would call "full-service" financial planning. They will manage the investments under their control in accordance with your goals a...
by prudent
Sat Aug 22, 2015 10:05 am
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 42
Views: 4104

Re: Cheap copy of Lange's Retire Secure 3rd Edition

Just a heads up, when the purchase shows up on your statement it's listed as "Roth IRA Institute, LLC". Took me a few minutes to figure out what that was.
by prudent
Sat Aug 22, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 50
Views: 4176

Re: What is Your Plan B if Quicken dies?

It would be a major inconvenience for me if Quicken goes away. It's the repository of a couple decades of financial records, budgeting and reporting. I guess I would end up spending a lot of time and effort to move as much data into Excel as possible and greatly downsizing the number of accounts we ...
by prudent
Fri Aug 21, 2015 6:27 am
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2161

Re: New to investing: Investing with friend

Good call, OP. I do not blame your friend for trying to get his business going and I don't really think he was consciously trying to cheat you or rip you off. He believes he would be helping people - it's just that it's the kind of help most people don't need to pay for and the costs are very high, ...
by prudent
Fri Aug 21, 2015 5:52 am
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 3013

Re: CR Says

My suggestion: spend $30 on a CR subscription. Before buying. My public library has online access to Consumer Reports. Might check if yours does. (Also to Morningstar....) My library has access to those and other sites (Value Line, S&P NetAdvantage), and I can even access them from home with my...
by prudent
Wed Aug 19, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 3013

Re: washing machine

Not long ago had to say goodbye to a 25+ year old Kenmore and replaced it with a Speed Queen top loader. All mechanical, no $300 electronic control panels to crap out. My wife was leery of the new HE front loaders after watching her good friend need 6 service calls in the first 18 months of ownershi...
by prudent
Wed Aug 19, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland - what to do next
Replies: 23
Views: 2092

Re: Inherited farmland - what to do next

Have relatives who went through a similar issue. Everything led to one result: family bickering. 5 siblings inherited the family farm. Two wanted to cash out right away, so the other three (A, B, C) bought them out. Still one property with 3 co-owners. Then A wanted his share legally separated so he...
by prudent
Wed Aug 19, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 5424

Re: Bank closed all my accounts without explaination

I think there's no chance you can make them reopen the accounts. If they were interested in keeping you as a customer they would have contacted you for more information before they pulled the plug. As I said earlier, I don't think they will even talk to you about why they did it. And why try to figh...
by prudent
Wed Aug 19, 2015 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Retirement homes
Replies: 22
Views: 3569

Re: Retirement homes

I have good friends who moved into a CCRC a few years ago which costs about the same as the one in the OP. We've visited many times and honestly, all the people there seem pretty darn happy and the range and quality of activities really amazes me. Their woodworking shop is the size of a 3-car garage...
by prudent
Tue Aug 18, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 5424

Re: Bank closed all my accounts without explaination

From other similar stories I have read, my guess is that the bank observed transactions that makes them uncomfortable for some reason. And I suspect the bank will not give you a concrete reason why they did it. Maybe too much money moving in and out of non-business accounts, lots of cashiers checks/...
by prudent
Tue Aug 18, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5509

Re: How to spend more and not feel bad about it

I agree with the concept of budgeting for all your essentials + savings, then what is left over is your fun money. The fun money is not money you could have invested - you already set that aside, right? You are both sticking to your budget plan (however you set it up) AND giving yourself permission ...
by prudent
Tue Aug 18, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 4525

Re: Non-Retirees: Scared about retirement?

Not exactly scared, but apprehensive about choosing retirement vs. keep working and adding to our savings with respect to sequence of returns risk. Yes, we have a rational asset allocation, but still... Otar points out that luck (timing) is paramount.
by prudent
Mon Aug 17, 2015 11:22 am
Forum: Forum Issues and Administration
Topic: Better way to view oldest unread post in a thread?
Replies: 12
Views: 758

Re: Better way to view oldest unread post in a thread?

Go to the "Forum" link and navigate to the specific forum. To the left of each thread title is a circular icon. Click that icon and it will take you to the first unread post in that thread.
by prudent
Mon Aug 17, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Colorado Circle Tour
Replies: 28
Views: 1706

Re: Colorado Circle Tour

Another vote for cutting some of the destinations and spending an extra day in at least a couple of them. That doesn't give you much time to see anything other than one big highlight per stop and then get on the road again. This triggered the memory of Chevy Chase's impatience in National Lampoon's...
by prudent
Mon Aug 17, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Stolen Checks!
Replies: 14
Views: 1102

Re: Stolen Checks!

The reason I asked whether they were personal or business checks is based on something I read a few years ago. It was a book written by the guy they based the movie "Catch me if you can" on (Frank Abagnale) - a master scammer. He mentioned that fraud protection for business checks is much ...
by prudent
Mon Aug 17, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Colorado Circle Tour
Replies: 28
Views: 1706

Re: Colorado Circle Tour

+1 for the Durango-Silverton steam train.
by prudent
Mon Aug 17, 2015 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Stolen Checks!
Replies: 14
Views: 1102

Re: Stolen Checks!

Are these his personal checks or business checks?
by prudent
Fri Aug 14, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: IRS regulation on 401K plan (company mistake)
Replies: 34
Views: 1652

Re: IRS regulation on 401K plan (company mistake)

You continue to say they should have known the law and many posters have said that the company surely did know the law. They cannot analyze in real time what the end of the year results might be from the combined contributions of the employees. Does your employer allow people to change their contrib...
by prudent
Wed Aug 12, 2015 6:02 am
Forum: Investing - Theory, News & General
Topic: Beware the snake oil as the market gets tougher
Replies: 34
Views: 3352

Re: Beware the snake oil as the market gets tougher

Local news/talk radio stations now have lots of ads for annuity sellers (although they never use the word). Announcer: "One day the market is up, the next day it drops like a rock. You can't afford to lose what you've worked so hard to save. Wouldn't you like to earn a guaranteed 7%? Yes, 7% fo...
by prudent
Mon Aug 10, 2015 5:57 am
Forum: Personal Consumer Issues
Topic: Verizon Contract Issue - Consumer Awareness
Replies: 13
Views: 1471

Re: Verizon Contract Issue - Consumer Awareness

Verizon has a well-deserved rep for miserable customer service, especially billing issues. A couple years ago I had to fight the same billing problem for four months in a row. An hour on the phone every time where they would eventually see what was wrong, credit me for the error, and promise it was ...
by prudent
Sat Aug 08, 2015 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: I think i've won ?
Replies: 34
Views: 5766

Re: I think i've won ?

Looks to me that as long as your company stock holds its value, and when you cash it out you invest it in any reasonable allocation, you're quite set.
by prudent
Fri Aug 07, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 18
Views: 2389

Re: Credit Card Question

Don't cancel the Discover. After a period of non-use you might find they offer you an incentive to use the card again. They recently sent me an offer of $75 cashback if I charged $1000 over 3 months. That's 7.5%, pretty sweet. And I've gotten similar offers in the past as well after not using the ca...
by prudent
Fri Aug 07, 2015 12:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5149

Re: Congrats to Laura Dogu

Wow! Congratulations and wishing you much success in the position!
by prudent
Wed Aug 05, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: I do my own taxes. Should I use a CPA anyway to develop a relationship?
Replies: 11
Views: 1124

Re: I do my own taxes. Should I use a CPA anyway to develop a relationship?

Sometimes I think about this same issue. Never used an accountant, lawyer, etc. Chances are someday I will need one and I'll have to start from scratch, yet I can't see the point of paying one now when I don't have a need. What is also concerning is if I don't need one before I pass, and my wife has...
by prudent
Mon Aug 03, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card
Replies: 9
Views: 1118

Re: Cash Back Credit Card

Depends on how you spend. Would a 2% on everything, no limits, give you more than what you have now? Citi DoubleCash and Fidelity Amex Investment Rewards pay 2% on everything.
by prudent
Sun Aug 02, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any method to quickly establish a credit history?
Replies: 22
Views: 1924

Re: Any method to quickly establish a credit history?

You can't really "quickly" establish a credit history. See if this link helps: http://www.nerdwallet.com/blog/tips/mortgage-no-credit-history/
by prudent
Sun Aug 02, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can executor take value of personal time?
Replies: 17
Views: 1645

Can executor take value of personal time?

A close friend's situation: Her mother has to move out of her house to a personal care home, and is in failing health. Mother was a hoarder and the home is in bad shape. The mother's will leaves everything equally to her two surviving daughters Emily and Nancy, and Emily will be the executor for her...
by prudent
Sat Aug 01, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Is Indexed Universal Life Insurance Best Legacy?
Replies: 36
Views: 1891

Re: Is Indexed Universal Life Insurance Best Legacy?

Those things are quite confusing, aren't they? That's why I can't see any use for them. Wondering why you are set on establishing a monthly income for your sons rather than simply making them beneficiaries of your estate. Then they can do what they want rather than being limited to a monthly income.
by prudent
Fri Jul 31, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 75
Views: 7171

Re: Priorities

Thanks for your thoughtful post, protagonist, and glad that you're doing OK.

Posts like these seem to grab me by the shoulders more and more in the last couple years. Appreciate you taking the time to share.
by prudent
Fri Jul 31, 2015 3:57 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28221

Re: Free Windows 10 Upgrade, Yes or No?

I am not sure if we are talking about upgrading the os on one pc or upgrading to a new windows 10 pc. Microsoft has never made it easy to transfer all installed software to a new computer, only data. Third party companies make software to do this. I did it with Laplinks PC MOVER the last time I upg...
by prudent
Mon Jul 27, 2015 11:12 am
Forum: Forum Issues and Administration
Topic: Cannot access the wiki
Replies: 8
Views: 381

Re: Cannot access the wiki

kaneohe wrote:
prudent wrote:Accessing the wiki with this link is working for me. https://www.bogleheads.org/wiki/Main_Page


same problem using this link or the wiki link on top/right of page


Tried the one at the top right of the page just now, it's working for me.
by prudent
Mon Jul 27, 2015 11:07 am
Forum: Forum Issues and Administration
Topic: Cannot access the wiki
Replies: 8
Views: 381

Re: Cannot access the wiki

Accessing the wiki with this link is working for me. https://www.bogleheads.org/wiki/Main_Page
by prudent
Mon Jul 27, 2015 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Rewards Checking-An Easy Way to Earn Extra Money
Replies: 22
Views: 2769

Re: Rewards Checking-An Easy Way to Earn Extra Money

I don't care to have a debit card attached to my checking account so I have not participated in rewards checking. I have gotten $500 so far this year in new account bonuses at banks, which for me is easier. Open account with the minimum balance using an Ally check, set up the required direct deposit...
by prudent
Sat Jul 25, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: negotiating pain and suffering claim for minor car accident
Replies: 23
Views: 2328

Re: negotiating pain and suffering claim for minor car accident

If you want to press the issue, you'll probably need to speak with an attorney. Thanks .. I just can't get over giving up 33% of my out of pocket for the ~7000 medical expenses and 3500 pain and suffering offer which I can get easily. That's 3500 straight to the lawyer's pocket without them really ...
by prudent
Fri Jul 24, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 25
Views: 4757

Re: Can I retire early?

Are you certain your retirement expenses are going to be in the $115k range? That appears to be a very large drop from your current spending level.

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