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Re: USAA Homeowners Insurance

Thanks to all for the replies thus far. I recently increased my coverage to take into account a significant renovation/remodeling that is currently underway. However, I am comparing apples to apples in this situation because the new limits went into effect before the the new premiums were determine...
by prudent
Mon Jul 28, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Homeowners Insurance Rate Hike
Replies: 10
Views: 1978

Re: finding an adviser/handholder for wife

Hope your recovery is a speedy and complete one.
by prudent
Sun Jul 27, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: finding an adviser/handholder for wife
Replies: 24
Views: 3194

Re: "best" online booking service for hotel room?

You could look at hotels from a pretty wide area and have a pretty short commute to Monroeville long as you stay east of Edgewood/Swissvale (on I-376). The Doubletree is probably the nicest place right in Monroeville.
by prudent
Sun Jul 27, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 18
Views: 1338

Re: Experimenting with LibreOffice Calc

I don't have any experience with the program but perhaps this link will help. https://forum.openoffice.org/en/forum/viewtopic.php?f=9&t=68600
by prudent
Sat Jul 26, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Experimenting with LibreOffice Calc [Importing fund prices]
Replies: 15
Views: 654

Re: PNC (service charge, free checking)

In my experience, the way you were notified by PNC is exactly how every bank does it - including my credit unions. The information comes with your statement (one reason I don't like e-statements - I can easily miss something important that I know I would have seen on a printed copy). They simply don...
by prudent
Sat Jul 26, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 1117

Re: Anyone use Fido as your bank?

The Fido branch ("investor center") near me has no cash and does not accept cash. No coin counters. I never asked about a notary.
by prudent
Fri Jul 25, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fido as your bank?
Replies: 11
Views: 1461

Re: SEC Adopts Money Market Fund Reform Rules

Is the industry "living with it" or are they paying lip service to a regulation that might even work in their favor? In the last crisis, didn't some companies pony up their own funds to avoid breaking the buck and being stigmatized by it? Now they need not worry about that, they can just c...
by prudent
Fri Jul 25, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2727

Re: PNC (service charge, free checking)

Are there any trustworthy B&M banks with true free checking these days, or should I just close the account and pay a small fee at other places to use things like coin counters or notaries on the rare occasion I need it? I have accounts at 3 credit unions, all of which offer totally free checkin...
by prudent
Fri Jul 25, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 1117

Re: SEC Adopts Money Market Fund Reform Rules

This absolutely makes me rethink how much I want to keep in money market funds. "Liquid" has become less so.
by prudent
Fri Jul 25, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2727

Re: 401k website evaluation

Ours is run by Prudential. You can use the website to change contribution percentages, move money among fund options (either in $ or %), view personal performance for a range of dates you choose, view transaction history, set up automatic rebalancing, view prior quarterly statements, and get past pe...
by prudent
Fri Jul 25, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k website evaluation
Replies: 5
Views: 322

Re: Advice needed for $825,000 nest egg

So you'll be market timing by cashing out and waiting for the market to drop?

I'm assuming this is your mother's money. What are her goals for the money?
by prudent
Fri Jul 25, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2253

Re: Prioritizing Finances

Are the defaulted loans on your wife's credit report (in a derogatory way)? I'm thinking it might be good to get those out of the way first so that the timer will start running to have them age off your reports (I believe its 7 years since the date of last activity) - the sooner they are paid off, t...
by prudent
Thu Jul 24, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prioritizing Finances
Replies: 5
Views: 733

Re: Poll - Do you use Quicken?

The first paycheck that shows up in my Quicken data is January 1991. That's over 23 years ago. Same. First entries are Jan 1991. If it's related to money, I have it in Quicken. Every income/expense, investment, etc. Assets, both liquid and non, tracked for net worth purposes. I had to look and see ...
by prudent
Wed Jul 23, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3281

Re: SEC Adopts Money Market Fund Reform Rules

My first thought was if all MM funds floated their NAV, I would never use one again because doing taxes would be miserable.
by prudent
Wed Jul 23, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2727

Re: Please recommend a low fee index fund with no min. inves

Each person is going to establish her own account, right? So does everyone really need to do the same thing with their money?

I don't think you want one account with multiple people contributing to it. A lot can change in 5 years and it could be potentially very messy.
by prudent
Wed Jul 23, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please recommend a low fee index fund with no min. invest.
Replies: 15
Views: 1471

Re: Reaching Severe Burnout - Can I Scale Back Career?

I know I'm piling on at this point but still feel the need to say please take all necessary steps to improve your happiness . The amount of savings you have at your age is probably in the top 5%. You have a great foundation in place. You won't regret it because once you reduce your stress level, you...
by prudent
Wed Jul 23, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 48
Views: 4995

Re: Will baby boomers retiring spell doom for the markets

From the linked article: 3.Baby boomer wealth is highly concentrated, with the wealthiest 10 percent holding 90 percent of the assets. The wealthy will not need to sell equities to meet short-term spending needs. WRT will Boomers sink the market as they retire, this is the clincher. That wealthiest ...
by prudent
Tue Jul 22, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 45
Views: 5356

Re: Intimidated by Trustee and Investment Advisor

If this money is not being mismanaged and misappropriated, I would be amazed. $750K disappears, no explanation. No written communication allowed. Advisor makes excuses for trustee (no logical reason for this) Trustee uncommunicative. Will not/did not provide required accountings. I don't understand ...
by prudent
Mon Jul 21, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 32
Views: 3822

Re: Hw many credit cards to own?

If your score is already high, don't worry about it. If you're looking for ways to improve your score, you could apply for more cards but the short-term effect will be to lower your score (due to new inquiries for credit). But it's important to understand the number of credit cards is only part of t...
by prudent
Mon Jul 21, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4114

Re: 401k fees listed incorrectly

Could you compare the cost disclosure document they send out to what was taken from your account?
by prudent
Mon Jul 21, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees listed incorrectly
Replies: 1
Views: 217

Re: Poll - Do you use Quicken?

I use Quicken but acknowledge it could all be done in a spreadsheet. My wife does not know how to use Excel so I continue to use Quicken just in case.
by prudent
Mon Jul 21, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3281

Re: Intimidated by Investment Advisor

My feeling is that given the behavior of the trustee and the advisor, and that you describe yourself as someone who dislikes conflict, I agree with the advice to get a lawyer to battle for you. One battle is with the advisor (for the trust that has closed) and one is with the trustee (for the second...
by prudent
Mon Jul 21, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Intimidated by Trustee and Investment Advisor
Replies: 32
Views: 3822

Re: Anyone know a good coin dealer in Dayton, Ohio?

Before going to a dealer at a show with hundreds of coins, let's try to better understand what you have. The reality is that a dealer's time at a show is pretty valuable and none of them will individually examine the coins to compute a value. It would simply take too long. If we have an understandin...
by prudent
Sun Jul 20, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know a good coin dealer in Dayton, Ohio?
Replies: 7
Views: 700

Re: Turbo Tax .TAX file format

There are some prior years versions for sale on ebay also but I doubt you'd be able to find all of them there.
by prudent
Sun Jul 20, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Turbo Tax .TAX file format
Replies: 11
Views: 701

Re: SPIA quotes from Vanguard

1. Your return calculations include the return of your own money, over time. Take for instance the 10 year term quote. You can use a calculator (or Excel) to compute the (IRR) return based upon the initial "investment" and the total annual return, over 10 years. What you are stating is no...
by prudent
Sun Jul 20, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: SPIA quotes from Vanguard
Replies: 8
Views: 1133

Re: Where to park windfall

CDAR's network - FDIC insured deposits, more yield than a no yield 3 month T Bill. That was my thought - CDARS for CDs, or ICS (Insured Cash Sweep) for demand or money market accounts. Not for rate-chasers, but the ease of use would be pretty appealing. You deal with ONE bank, and behind the scenes...
by prudent
Wed Jul 16, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park windfall
Replies: 9
Views: 1451

Re: A question for the Bogleladies or those who can consult

If we have a Bogheheads beer we need a Bogleheads bra. Victoria Yes, now the Bogleheads Retirement Account (BRA) is available to everyone! It's no longer just Victoria's Secret! Your asset allocation provides full coverage! Periodic rebalancing offers more comfort! The growth in your net worth has ...
by prudent
Wed Jul 16, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5531

Re: Market-on-close orders?

[removed, was not relevant to OP's question as later clarified]
by prudent
Tue Jul 15, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: Market-on-close orders?
Replies: 10
Views: 923

Re: Estate planning book?

Consider Beyond the Grave by Condon and Condon. http://www.amazon.com/Beyond-Grave-revised-Leaving-Children/dp/0060936312/ref=sr_1_1?ie=UTF8&qid=1405445038&sr=8-1&keywords=beyond+the+grave Agreed - it's a great book. I think it's best for one to think through their estate planning first...
by prudent
Tue Jul 15, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning book?
Replies: 12
Views: 1243

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

How does the OP protect himself if the friend stops making payments and doesn't tell the OP? Won't the late payments go on the OP's record and stay there even if he later covers the loan?
by prudent
Mon Jul 14, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7427

Re: Money Purchase to 401k

Well, if you're pitching a change in order to cut costs, and a key decision-maker doesn't care about costs, I don't know where you go from there. You say one partner is enamored with the bank, and perhaps he gets (or perceives that he gets) additional personal benefits that go along with having the ...
by prudent
Sat Jul 12, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Purchase to 401k
Replies: 5
Views: 723

Re: Helaine Olen: Pound Foolish

Just finished the book and I think it provides information that would be useful to many people who aren't well-versed in personal finance and could benefit from understanding how the investment industry operates. Will those people read it, though? Probably not. It points out the ways that the financ...
by prudent
Sat Jul 12, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helaine Olen: Pound Foolish
Replies: 73
Views: 9748

Re: POLL: Walmart vs Amazon

The two Walmarts closest to us are dumpy, overcrowded and checkouts take forever. I can't do it. The Target stores work well for us. I might be paying a little more at Target, but not enough to make me want to endure the horror that is Walmart. I use Amazon when I can't get what I want locally but i...
by prudent
Sat Jul 12, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8046

Re: Family cabin planning

I can't understand how there is any enjoyment to owning this or even being there. You're there for one week every two years. You'd have to be spending most of that time on maintenance! It's never going to work as a shared deal. Either treat it as your own - pay for everything - or let it rot. If no ...
by prudent
Fri Jul 11, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1970

Re: Family member as Financial Advisor

Thanks for the quick replies. He has around $20M in AUM so my few thousand dollars shouldn't make a huge difference. I'm close to my dad and we talk about money all the time. I'll see what my mom says. Regarding the investment choices, he recommended mid caps so I chose that particular ETF (I fully...
by prudent
Fri Jul 11, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family member as Financial Advisor
Replies: 35
Views: 2986

Re: Retirement calculator?

I'm not sure which one I just tried; I went through the trouble of updating my FullView, etc., and the results it spit out were... ready... "Congratulations, you do not have a shortfall." That wasn't quite the earth-shattering insight I was hoping for. I've used both of the Fidelity plann...
by prudent
Fri Jul 11, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement calculator?
Replies: 25
Views: 3901

Re: Family member as Financial Advisor

Yeah, it will be awkward, but it will never be easier than now. I would just say that upon reflection, you decided you don't want to mix business with family. And I don't think I would try to talk about costs/ERs/fees as a justification. "Dad, we just don't want to mix business with family. It'...
by prudent
Fri Jul 11, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family member as Financial Advisor
Replies: 35
Views: 2986

Re: Voyager Select Financial Plan - Worth It?

Frans, it sounds like you are saying that essentially they are holding your hand, walking you through the questionnaire they have on the website to reach the same recommendations. I thought one of the additional perks of Voyager Select status was you could run your ideas past a CFP, and expect an h...
by prudent
Fri Jul 11, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1861

Re: List of Worst financial advice (what not to do):

"This service contract protects you from having to pay hundreds of dollars for repairs for just pennies a day"
(And they were just telling you how reliable the product is.)

You can express any amount of money in "pennies a day"!
by prudent
Tue Jul 08, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 15978

Re: Advice for how to fund my wedding

I'm with mhc - option 1.
by prudent
Tue Jul 08, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2746

Re: Retiring without any Direction

I suggest you read "What Color is Your Parachute in Retirement." If you find it helpful, pass it along to your parents. There is also a section in the first chapter of the Bogleheads Guide to Retirement Planning that tries to get the reader to think about "happiness" and how to ...
by prudent
Mon Jul 07, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2055

Re: Help holding persoanl finance workshops

Grt2bOutdoors raises a valid point, but I think it can be overcome by giving decision makers a look at what you would intend to cover in your workshop. As long as they have no insight to the content, you'll probably get no response. And if they have even the slightest suspicion you're trying to roun...
by prudent
Mon Jul 07, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help holding persoanl finance workshops
Replies: 18
Views: 1324

Re: Homeowner responsibility for water service line

The protection plans offered in our area do not cover restoration of the dug-up area beyond backfilling the trench. No repair of concrete, no replacement of landscaping or trees, no hauling of excess debris, no repair of property damage caused by heavy excavating equipment. They offer a rider that c...
by prudent
Mon Jul 07, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2054

Re: Erasing hard disk that have died

I have opened them up, removed/destroyed the platters, and recycled the rest.
by prudent
Mon Jul 07, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3278

Re: Help holding persoanl finance workshops

We have a local organization that offers a variety of support services - food bank, help for people who need a car to get to work, emergency utility payment assistance, resume writing, etc. One of their services is financial mentoring. Perhaps there's a similar organization near you that doesn't off...
by prudent
Mon Jul 07, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help holding persoanl finance workshops
Replies: 18
Views: 1324

Re: Retiring without any Direction

For some people, complaining IS their hobby. ;) They don't want solutions, they just want to vent. I knew a retired person like that - nothing to do, bored, yet unlimited reasons why she couldn't try any suggestions made to relieve the boredom. Eventually she did start volunteering with a local orga...
by prudent
Mon Jul 07, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2055

Re: Online will - is it worth the savings?

Would you benefit from strategizing to keep assets out of probate? Avoid estate tax?
by prudent
Sun Jul 06, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online will - is it worth the savings?
Replies: 16
Views: 1524

Re: 401k Investment Options

I notice Fidelity BrokerageLink as one of your options. Wouldn't that allow you to open a self-directed brokerage account within your 401k, so you can invest in the Vanguard LifeStrategy Growth Fund you want? There is probably an annual fee to have an SDBA and a commission on purchases, but you can ...
by prudent
Sun Jul 06, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 4
Views: 426

Re: How to admit/should I admit alcohol problem to employer

There was something in the news about this just recently. I don't remember the details, it was something like the company CEO shot his mouth off in public about medical costs and giving examples, embarrassing two(?) employees because they were easily identifiable when the medical information was di...
by prudent
Sat Jul 05, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10353

Evaluating annuities, agent non-responsive

A elderly friend has a handful of annuities and asked me how to get out of them as he doesn't want to pay into them any more (I don't know any more than that). He has called the agent who sold him the annuities a half-dozen times to discuss options, but the agent will not return the calls. How can h...
by prudent
Sat Jul 05, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Evaluating annuities, agent non-responsive
Replies: 6
Views: 558
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