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Re: need help/one step at a time/vanguard mutual funds

I'm sure Vanguard will help you as you would qualify at the Flagship level. However, you will need to give them some guidance as to your tolerance for risk. When you say "My investment plan is to make all I can make in the next ten years" does that mean you are willing to lose 50% of your ...
by prudent
Sat Dec 20, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: need help/one step at a time/vanguard mutual funds
Replies: 9
Views: 463

Re: Gaming PC for son, buy or build?

I've built my last few PCs and I don't consider myself to be super-skilled in that area. If you do your research you can build a great gaming PC (although I don't do gaming myself). Agree that installing the CPU and heatsink/fan is the most delicate part and you have to be careful. A couple more res...
by prudent
Sat Dec 20, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 42
Views: 1842

Re: Anyone prep for the PMP???

Hi - just bumping this up. I have worked for MegaCorp as my first job out of college, first in finance for 10 years, and then my role was booted offshore. With the grace of a past project I worked on, I've landed in a PMO role. I'm in a junior position, but doing a lot of analytics work for the tea...
by prudent
Sun Dec 14, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 15
Views: 2795

Re: Umbrella Liability Insurance - Need it or not?

For $250 you get the services of an entire team of attorneys and you get excess liability insurance coverage above and beyond your primary policies. For less than $1 a day, you can rest a little easier when you sleep at night. Convinced yet? I don't work for the insurance industry. There is nothing...
by prudent
Fri Dec 12, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Insurance - Need it or not?
Replies: 49
Views: 4498

Re: Umbrella Liability Insurance - Need it or not?

I think it's worth having if your assets exceed your liability coverage. The cost is dirt cheap for the amount of protection. If there ever is a situation where someone might wonder if you're worth going after, they are going to dig deep to see if you have money. So even if you live a low-profile li...
by prudent
Fri Dec 12, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Liability Insurance - Need it or not?
Replies: 49
Views: 4498

Re: A Visit toPittsburgh

As cool and unique as Fallingwater is, I would not go there from Pittsburgh if the forecast calls for any snow. Fallingwater is in a rural area and located in the Laurel Highlands (if Pittsburgh proper gets a dusting of snow, the Laurel Highlands area can get anywhere from 1"-8").
by prudent
Wed Dec 10, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 1957

Free H&R Block tax software came in today's mail

I used H&R Block tax software in 2012, but not in 2013. Today I received a CD from them - big letters on the front of the case "Get Everything Pay Nothing". Free Deluxe Federal program + Federal e-file + one State + one State e-file. Now, I won't be surprised if they offer a (paid) upg...
by prudent
Wed Dec 10, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free H&R Block tax software came in today's mail
Replies: 8
Views: 1342

Re: Help Me Pick Insurer - Safeco - Erie - AAA

Another :thumbsup for Amica. You might find this useful. http://ratings.jdpower.com/insurance/index.htm Also, looks like USAA can't be beat for car insurance. I had heard that many times. When I was finally able to qualify for USAA insurance, their quote was many hundreds more per year than what we...
by prudent
Wed Dec 10, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Help Me Pick Insurer - Safeco - Erie - AAA
Replies: 25
Views: 2137

Re: Cash Back Credit Cards

I dislike the Amex blue cards because they don't work at a large number of grocery stores, have a low limit (6% CB on first $3k annually , 1% after), and a fairly high annual fee. The annual cap on grocery 6% cashback is $6K (= average of $500/month) on the Blue Cash Preferred (the one with the ann...
by prudent
Wed Dec 10, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Cards
Replies: 28
Views: 2713

Re: Cash Back Credit Cards

Amex Blue Cash Preferred has an annual fee but if you can buy enough stuff at supermarkets and grocery stores it is still worth it. the 6% has an annual cap of $6000 but that's at least $360 in cash back if you max out the 6%. "Stuff" doesn't have to be all groceries. For us, the 2% Fideli...
by prudent
Tue Dec 09, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Cards
Replies: 28
Views: 2713

Re: Travelers Roadside Assistance

- If you get assistance via Travelers, does it count as a claim? It does for some insurers. - Does Travelers have a network of providers equivalent to AAA? Would that be a concern if not? - Are they equivalent in coverage? (Miles towed free + per-mile cost beyond that) - AAA covers the member in any...
by prudent
Sun Dec 07, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 1932

Re: Did you parents and your childhood effect the way you ha

Yes. We were poor. And while it did not cause me to lust after huge sums of money or decide I would do just about anything to get money, I came to understand how important it was to have a cushion in case of emergency. And when my career started I was already in better shape financially than we were...
by prudent
Sun Dec 07, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did your parents/childhood affect the way you handle money?
Replies: 29
Views: 2054

Re: Bah Humbug [managing Christmas spending]

I was the one in the family who pointed out the absurdity of everyone handing gift cards to each other. So we changed to buying only for kids under 18. This worked out great for me because I am terrible at choosing gifts for people. With kids, they tell you what they want. And I'm OK with giving kid...
by prudent
Sat Dec 06, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4618

Re: Help Me Pick Insurer - Safeco - Erie - AAA

We had Erie auto insurance for 20 years - over that time, 3 claims, all handled very efficiently and to our complete satisfaction. No complaints.
by prudent
Sat Dec 06, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Help Me Pick Insurer - Safeco - Erie - AAA
Replies: 25
Views: 2137

Re: Most stocks are losers - golden swans drive returns of i

One friend in particular has consistently had pretty good success at picking stocks and at times that makes me wonder. I still have not figured out if she is extremely lucky of very skilled. Could she be making both good and bad picks, but only telling you about the good ones? Ha! Like my co-worker...
by prudent
Sat Dec 06, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Most stocks are losers - golden swans drive returns of index
Replies: 21
Views: 2631

Re: mother-in-law wrecked our car

I would expect only a minor bump in premiums, if any, for a first claim on a clean record.

Even if it results in an increase that you find objectionable, you can always look for another insurer.
by prudent
Fri Dec 05, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5274

Re: login security questions, using false answers

Our computer security whiz at work told me once that he just uses the same long made-up nonsense word for security questions - for every question on every site.
by prudent
Thu Dec 04, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1041

Re: Amazon product restricted to Prime members. Is this new?

I have to believe it's just a sales gimmick. They'll use analytics to see if sales increase if they "restrict" an item to Prime members only, or see how many people enroll in Prime as they order a Prime-only item. They change prices throughout the day, they charge different prices to exist...
by prudent
Wed Dec 03, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4151

Re: Tobyhanna credit union

I am 100% comfortable with NCUA (and FDIC) insurance.
by prudent
Tue Dec 02, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tobyhanna credit union
Replies: 7
Views: 539

Re: Financial Planner

Yes, NAPFA advisors will work with you and not peddle products that they benefit from. This can be done as a one-shot or ongoing basis. I would be comfortable using such an advisor for setting up a plan you can execute or for a second opinion on your own plan.
by prudent
Sun Nov 30, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Planner
Replies: 15
Views: 1397

Re: Do trust distributions matter for PPACA subsidy?

Ah, so distributed trust income counts but not distributed trust principal - that's key. They get both but the trust income is a very small part.

Thanks, penguin.
by prudent
Sat Nov 29, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do trust distributions matter for PPACA subsidy?
Replies: 3
Views: 381

Do trust distributions matter for PPACA subsidy?

I'm a trustee (but not a beneficiary) for a trust which makes yearly distributions. At Thanksgiving dinner, one of the trust beneficiaries approached me and asked how her trust distribution would matter when determining if she qualified for a subsidy for PPACA health insurance. I had no idea and sai...
by prudent
Sat Nov 29, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Do trust distributions matter for PPACA subsidy?
Replies: 3
Views: 381

Re: advice for high net worth family member - simplifying

Is it possible that he is satisfied with the way things are and doesn't want to change?
by prudent
Sat Nov 29, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: advice for high net worth family member - simplifying
Replies: 14
Views: 1498

Re: Anyone prep for the PMP???

I'd guess about 50 hours of study after I took the prep class. I wasn't in a hurry to take the test so I spread it out over a couple months. During that time I worked the practice exams (I liked the ones from RMC best) until I was consistently getting 85% or better right, figuring even if I was ratt...
by prudent
Fri Nov 28, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 15
Views: 2795

Re: "You're invited to...." (nonsense talk and dinner)

Received an invite for a "complimentary gourmet meal" while attending a "workshop" on protecting your retirement. Typical marketing pitch. The best part was this testimonial from a previous attendee: We learned how much we didn't know and it was the most fun we've had in years. &...
by prudent
Fri Nov 28, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 11300

Re: Anyone prep for the PMP???

You'll need 35 hours of project management education to qualify to sit for the PMP. So you need to make sure you can get that out of the way. Some courseware and self-study material qualifies but make sure. First thing I would do is download the application as if you're going to submit it on paper, ...
by prudent
Thu Nov 27, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 15
Views: 2795

Re: 401k self directed brokerage option

Your specific 401k plan will determine all those things. Chances are there will be very little publicity about the self-directed brokerage account (SDBA) option so you will probably have to dig a little. In my case I had to request information from our 401k custodian, and the info package they sent ...
by prudent
Wed Nov 26, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage option
Replies: 5
Views: 301

Re: Bogleheads, anyone doing "Black Friday"

It may not seem like fun, but to many people it is. People who are on a tight budget for Christmas are often willing to do a lot of research and get up in the middle of the night to save a few dollars on a doorbuster item. It's like a quest. They map out a sequence of what stores to visit, they brin...
by prudent
Mon Nov 24, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5676

Re: Bogleheads, anyone doing "Black Friday"

I have been eying some vacuum cleaners and I desperately need a new one, I have a number in mind and if there are specials I will pull the trigger. That is all. Hate the stores will have to be online. I use gottadeal.com for researching Black Friday deals and they have listings of what deals are al...
by prudent
Sun Nov 23, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5676

Re: Selecting Charities for Donation

We prefer local giving - we've been there, we've seen what they do. Food bank, homeless shelter/kitchen, our church, and an "all-purpose" organization (job search help, personal finance training, emergency utility bill payments, etc.). One exception to local giving is a national organizati...
by prudent
Thu Nov 20, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 59
Views: 4507

Re: Apple Stores - do they try to be awful?

My wife has been to the Genius bar three times and was very satisfied with her experiences. Made appointments in advance, only a small wait past her appointment time, and they fixed the issues. She has little interest in technology beyond needing to use it, so if she was satisfied they must have bee...
by prudent
Tue Nov 18, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 4037

Re: Heads up best reward credit card I've seen.

6% at grocery stores is nice, and perhaps reason enough to get it. But why take 3% for gas when you can get 5% with Pen Fed. And why not use the Fidelity AmEx 2% for everything else? How does this card pay the cash? I hate having to redeem it. I'm also not a fan of annual fees reducing the awards a...
by prudent
Tue Nov 18, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8419

Re: Heads up best reward credit card I've seen.

rai wrote:Is there a limit on pen fed gas rewards?


Check the fine print as the cards issued today may have changed from when we got it, but the one we have - Penfed Visa Cash Rewards - has no limits and the 5% on gas (is credited automatically to the balance monthly.
by prudent
Tue Nov 18, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8419

Re: Fixing Social Security Earnings Mistake Advice

Last year when checking earnings history I noticed my 2011 earnings were not showing. Took my W-2 to the SS office and although I had to wait about 45 minutes to be seen, when I did get called the guy fixed it on the spot in less than 5 minutes and told me they would send a letter to confirm. Went p...
by prudent
Tue Nov 18, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing Social Security Earnings Mistake Advice
Replies: 11
Views: 1529

Re: Taylor Larimore, My Favorite Teacher

Was there ever a teacher who wouldn't love to be remembered so fondly and vividly, decades afterwards? Kudos to Taylor.
by prudent
Sat Nov 15, 2014 9:35 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 2145

Re: Conflicting Free FICO Scores

As for the specific issues "bringing down" my scores, they are kind of BS, sort of like Dave Ramsey calls FICO score an "I love debt" score, I am now destined to be permanently penalized by having been responsible and bought a house I could afford and paying it off. I'm not deep...
by prudent
Sat Nov 15, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicting Free FICO Scores
Replies: 11
Views: 1015

Re: Can I change user name?

Want to mention for completeness that when your username is changed, I am 99% sure than the change does not show up where someone quoted your original post. So let's say someone's username was originally JoeMagaracFromPodunk, then changed to GreenLantern. If someone quoted a post they made before th...
by prudent
Fri Nov 14, 2014 3:39 pm
 
Forum: Forum Issues and Administration
Topic: Can I change user name?
Replies: 7
Views: 934

Re: Does anyone here make "fun" purchases.

When I buy something that you wouldn't, that's because you're cheap. When you buy something that I wouldn't, that's because you're wasteful. Not really. :) But everyone has different priorities and for people who are generally frugal, there's nothing wrong with a little splurge here and there. If yo...
by prudent
Fri Nov 14, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8600

Re: Can I change user name?

I flagged your post for moderator attention.
by prudent
Fri Nov 14, 2014 7:06 am
 
Forum: Forum Issues and Administration
Topic: Can I change user name?
Replies: 7
Views: 934

Re: Amazon Echo (Alexa)

Given that everything Amazon does is designed to sell you more products (not that there's anything wrong with that, but I think it's important to be aware), I have a difficult time believing that the device isn't capturing information all the time. Don't know what would be done with it - perhaps to ...
by prudent
Tue Nov 11, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 40
Views: 5592

Re: New Fidelity AMEX - with chip

Yes, many merchants are upgrading their terminals to accept chip cards. Some merchants already had the terminals but never enabled the chip reading capability.
by prudent
Tue Nov 11, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 914

Re: New Fidelity AMEX - with chip

These are more likely "chip and signature" cards, not "chip and PIN". The terminals are supposed to detect the presence of the chip and require you to put the card in the slot rather than swipe - if the machine is ready to accept cards with chips. Setting aside the concept that t...
by prudent
Tue Nov 11, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 914

Re: History of American mortgages

I'd be curious to know how the average mortgage length increased during that period from 1949-2000. I have to assume most people are payment-focused when buying a house, and if mortgages got longer, it's easy to take on more debt at the same monthly payment.
by prudent
Tue Nov 11, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1320

Re: Information on personal investment portfolios

My feeling is that you need LESS risk for items like that. When saving for something to be bought in a couple years you don't want to risk losses. It's unfortunate that savings rates are so low but if I was saving for a car or a down payment on a house, I'd only use bank CDs or savings accounts. The...
by prudent
Tue Nov 11, 2014 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Information on personal investment portfolios
Replies: 4
Views: 432

Re: New Tony Robbins Book on Financial Freedom

Recently saw a cover story in either Forbes or Fortune about Robbins and his book. The guy must be impressive - I believe the story mentioned that he's on million-dollar retainers with multiple CEOs for personal consulting.
by prudent
Mon Nov 10, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 85
Views: 16455

Re: Yet Another Credit Card Thread

I'm only interested in cashback cards so that's all I use. I don't know how to compare cashback to points cards when the value of points depends on what you use them for. I have three cashback cards I use. 1. Fidelity Investment Rewards AMEX - straight 2% on everything, no caps, no limit. 2. Penfed ...
by prudent
Mon Nov 10, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2151

Re: Local bank without any checking account fees?

It's about tradeoffs. I would bet there are credit unions available to you that have no minimum balance required, but they probably don't have ATMs on every corner and other things that you could get from WF.
by prudent
Mon Nov 10, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2854

Re: Is "comfortable confidence" in secure retirement possibl

I'm sympathetic to the OP's situation as I have the same tendency to tweak every assumption to the most pessimistic scenario when doing forecasts. Yet I know instinctively that while some of those assumptions could turn out to be right, they are not ALL going to occur. There is always room to go mor...
by prudent
Mon Nov 10, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Is "comfortable confidence" in secure retirement possible?
Replies: 23
Views: 3584

Re: Cash In CC Points?

I'd take the cash now, either by requesting a check or applying it to your balance. Last thing I would do is convert cash to "points" that can be devalued at any time unless I was going to use them right away.
by prudent
Mon Nov 10, 2014 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash In CC Points?
Replies: 22
Views: 2708

Re: Attend new car "launch event" for free meal?

I would expect that at some point, a salesperson will approach you to gauge your interest in a new car but it will be low-key. They are offering the event in order to tell people about their wonderful new car and identify prospects for later follow-up. The kind of car that calls for a launch event w...
by prudent
Sat Nov 08, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Attend new car "launch event" for free meal?
Replies: 10
Views: 878
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