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Re: "I've had it" at work - how often

I counsel new nurses that this is a thankless job and that they should start a journal of the positive experiences to reflect back on when things are tough. I have a great go to supply of such stories. That's great advice - not just for nurses, but for anyone who will have to deal with the public w...
by prudent
Mon Oct 20, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 115
Views: 8374

Re: Advice sought for $6M investment

Congratulations on your success.

I see no problems with a simple portfolio as you outlined. Consider multiple smaller CDs rather than a single $120K CD for each year in your ladder - if you decide you want some of the money early, you'll have a smaller penalty.
by prudent
Sun Oct 19, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 31
Views: 2755

Re: Allow OP to lock thread?

Allan wrote:I wish there was a Tag function where you could tag a post for future reference. I'm sure this has been asked for before and can only assume it is not an easy function to implement.

Allan


At the top of each post is the thread title - that's a link to that specific post, which you can bookmark.
by prudent
Sat Oct 18, 2014 8:17 am
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1316

Re: Question - Being a Trustee

I am a trustee of a family trust but I would have a lot of questions - questions that I would ask my own attorney - about this type of set up. And I'm taking a copy of the not-yet-executed trust document with me. What exactly does the trust say about the trustee's role and powers? Does the trust ind...
by prudent
Thu Oct 16, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question - Being a Trustee
Replies: 18
Views: 1033

Re: Helping cash poor, land rich relative

Thanks for the update and glad to hear things are working out.
by prudent
Thu Oct 16, 2014 6:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping cash poor, land rich relative
Replies: 24
Views: 3875

Re: Interesting statistical observations

Point 1 is accurate but a bit misleading - that 68% drop equates to only about $8,000 ($11K vs. $3K). What's more distressing to me is the change in the 35-44 age group - in 1984 the median net worth was $71K, and 25 years later it was only about $40k in 2009 (inflation adjusted dollars). I don't kn...
by prudent
Fri Oct 10, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Interesting statistical observations
Replies: 8
Views: 646

Re: Best Place To Buy Actual Gold Coins

I have some friends in the business and they tell me they are seeing more and better counterfeits from China. Unless I was very, very confident in my ability to detect a fake I would only buy from a trusted dealer - never from an individual on ebay or craigslist. If you were buying fakes from China ...
by prudent
Thu Oct 09, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2214

Re: When people put all their eggs in the wrong basket

This one is the worst post so far: I am totally numb...[snip] Ugh! :( That's heartbreaking. A person who KNOWS she is not experienced puts all the money into a stock and lets someone else call the shots, and resists her own instincts to bail out. Thinks she's going to lose her home. I wonder who th...
by prudent
Wed Oct 08, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19732

Re: When people put all their eggs in the wrong basket

My goodness, that one person lost $800K - everything he had saved for 15 years! In one stock! And it appears that group of people was following the company as closely as humanly possible, then had the rug pulled out. I wonder how many others are doing the same thing - putting everything in one hot s...
by prudent
Wed Oct 08, 2014 6:49 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 213
Views: 19732

Re: File and suspend Social Security

Interesting point about taking a lump sum of suspended benefits. It sounds like someone who didn't intend to collect until 70, and is facing a fatal illness after FRA, could take their retroactive benefits prior to death - but if they passed prior to doing that, there is nothing (other than possible...
by prudent
Sat Oct 04, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend Social Security
Replies: 8
Views: 1278

Re: Buy Local

I could save some money buying more things online but I've decided part of the "value" of a purchase extends beyond my cost. Buying local helps employ local residents who are all paying wage tax, property tax, etc. It enables those local businesses to support little league, the library, th...
by prudent
Tue Sep 30, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 2331

Re: Starting a railroad career

I also recommend the trains.com forums to get more information on specifics. RRs are looking at hiring huge numbers of people due to retirements - last forecast I saw in December predicted 11,000 new hires in 2014. Consider visiting industry trade magazine sites which have good information on the bu...
by prudent
Mon Sep 29, 2014 7:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1637

Re: Should an executor retitle stocks to the estate right aw

Are you saying the will mandates that the stocks cannot be sold?

What if the market takes a dump between now and the eventual disbursement? How will the heirs feel watching their inheritance dwindling? What is the best course of action the executor could take to protect the value of the estate?
by prudent
Sun Sep 28, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should an executor retitle stocks to the estate right away?
Replies: 13
Views: 943

Re: Recommendation on coin appraiser in Southwest Ohio

Just to add to kenschmidt's excellent guidance, you might want to make clear to whomever you use exactly what you want out of the appraisal. Most dealers I know will charge $100/hour to provide a written appraisal, with the fee waived if you sell them the collection. Some will charge less (or someti...
by prudent
Sun Sep 28, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation on coin appraiser in Southwest Ohio
Replies: 2
Views: 202

Re: Thank you Alex Frakt and Larry Auton!!

Thanks to the forum owners for providing this site! I can only wonder how many people have been helped.
by prudent
Sat Sep 27, 2014 12:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Alex Frakt and Larry Auton!!
Replies: 11
Views: 1165

Re: Can anyone help w/ Debt & Credit Score?

I have found that creditboards.com credit forum to have good advice for credit repair strategies but much reading is necessary before taking action.
by prudent
Wed Sep 24, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Can anyone help w/ Debt & Credit Score?
Replies: 19
Views: 1074

Re: What did you always wish for but never got?

Growing up we were poor and we learned early not to hope for stuff because it wasn't going to happen. It developed a mindset of not wanting things, other than wanting not to be poor.
by prudent
Wed Sep 24, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5280

Re: "Retirement Calculators" that consider a couple?

The Fidelity Retirement Income Planner has inputs for couples.
by prudent
Mon Sep 22, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Retirement Calculators" that consider a couple?
Replies: 10
Views: 881

Re: Identity theft protection

I don't believe ANYONE, even Lifelock, can prevent identity theft. They can (maybe) only see when your information is being used. I shred everything that has PII other than junk mail that only has my name/address. If some idiot from a doctor's office has my unencrypted info on their laptop and it ge...
by prudent
Sat Sep 20, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft protection
Replies: 9
Views: 707

Re: We have a grocery problem...

Just have two people in our home also. Our cure for overspending on food was to (almost) always make enough for two meals. That means leftovers a lot of the time. Our meals are simple, though. No 3- or 4-course meals. Meat or pasta plus a veg is pretty typical for dinner. I don't cook and she doesn'...
by prudent
Fri Sep 19, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10843

Re: Do you plan trips on your own or use a [travel agent]?

Used a travel agent on one vacation. We were going to Alaska (inland, not cruise) and had a bunch of specific activities we wanted to do, after researching. I spent too many hours trying to make everything fit in to a reasonable sequence and kept running into "date not available" for some ...
by prudent
Wed Sep 17, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1569

Re: Allocation plan that hedges for potential large inherite

I would move forward as though there is no inheritance. Because you don't know if there will be. My father's aunt was quite wealthy, widowed, and childless. She had my father and a handful of other nieces/nephews she was close to. My father never counted on getting anything but his aunt had told him...
by prudent
Tue Sep 16, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation plan that hedges for potential large inheritence
Replies: 7
Views: 573

Re: Vanguard as corporate trustee

I think one consideration is whether Vanguard would be willing to administer the trust the way you want it done.
by prudent
Tue Sep 16, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard as corporate trustee
Replies: 3
Views: 222

Re: Any FRANCHISE owners here?

Thread reminded me of stories I have read about Quizno's franchise owners and the terrible time they have had. Forced to buy veggies from corporate (and corporate marked up the price, not selling at cost!), when they could have gotten them cheaper at the local supermarket. And corporate giving out c...
by prudent
Tue Sep 16, 2014 6:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3315

Re: Where to recycle old (larger) toy batteries

We have a Batteries Plus store in our area and while they have never refused to take any battery I bring in, they don't always do it for free.

Here's their page on recycling: http://www.batteriesplus.com/t-batterie ... ycles.aspx
by prudent
Sat Sep 13, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Where to recycle old (larger) toy batteries
Replies: 5
Views: 272

Re: Vanguard Recommending Quicken Changes

Followed the instructions on Vanguard's site meticulously, everything worked great. Reset 6 accounts with two different logins, no problems.
by prudent
Sat Sep 13, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5958

Re: Cash Holdings

Right now, about 16%
by prudent
Fri Sep 05, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Cash Holdings
Replies: 3
Views: 494

Re: Anyone familiar with Switzerland?

I don't know much about Switzerland, but their flag is a big plus!
by prudent
Thu Sep 04, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Anyone familiar with Switzerland?
Replies: 14
Views: 1079

Re: SG 100 Rare Stamps Index

You can make money in collectibles two ways: 1) luck; and 2) knowledge and time and deep pockets. I'm most familiar with coins. Some people study what the US Mint will be putting out and if they think the product might be "hot", they buy immediately on release and then try to flip them to ...
by prudent
Wed Sep 03, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: SG 100 Rare Stamps Index
Replies: 11
Views: 842

Re: Hello new to the boards [If retirement funds not used up

If you're suggesting that someone who has far more than they can possibly need for the rest of their life - no matter what may occur with their investments, their health, or anything else - is a person who doesn't need to save more, I'd agree with that. But very few people can be that certain.
by prudent
Mon Sep 01, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello new to the boards [If retirement funds not used up?]
Replies: 24
Views: 1797

Re: High-ish ER for cash holding in Fidelity Freedom Index F

This is interesting. I know I must be misinterpreting the prospectus because I can't believe the fund actually is 88% in cash. If that's right, they have about $56 million of expenses to run the fund, and about $262 million actually invested (not counting the cash hoard). What is that ER?
by prudent
Sun Aug 31, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: High-ish ER for cash holding in Fidelity Freedom Index Funds
Replies: 3
Views: 354

Re: Costco:is it worth it for just two people?

Wow, I would not eat that much tuna. The FDA suggests only 16.4 oz of LIGHT tuna per week, and only 5.6 oz per week of albacore tuna. Only one data point but it is first hand. A college friend - a very bright guy - ate only tuna for lunch and dinner (if he was eating at home) for three years. He def...
by prudent
Sat Aug 30, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12318

Re: New 2% cash back Mastercard from Citi

I think another reason they split the 2% into 1% on purchases and 1% on payments (besides delaying the payout) is just for marketing/hype purposes - i.e. "the ONLY card that pays you cashback on your payments! It's DOUBLE cash!" What is the mechanism to redeem the cash back rewards for thi...
by prudent
Fri Aug 29, 2014 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 26931

Re: Inheritance to be held in expensive trust for ~10 years

Am I the only one who is shocked that there is a 1.75% fee to disburse funds? I don't think I have ever heard of such a thing.
by prudent
Wed Aug 27, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance to be held in expensive trust for ~10 years
Replies: 36
Views: 4358

Re: Thoughts on USAA?

When my father joined USAA, he saved a ton on his car insurance. I joined through his membership, but my quote was higher than what I already had. It's a YMMV. However, I do use their corporate code/discounts for car rentals because USAA has a deal to provide insurance on the car rental with certain...
by prudent
Mon Aug 18, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 2043

Re: Your biggest "Missed Money" event that still kills you?

I quit looking back at missed opportunities because my brain kept messing with me. - Look, prudent, THIS situation is JUST like that other one! - And you messed it up that time - So don't do what you did before I have to look at each decision with a fresh eye or I pollute my thinking by comparing to...
by prudent
Mon Aug 18, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8350

Re: Spouse not ready to cut ties with financial advisers

No suggestions I could offer would be enough to overcome the fact that they are personal friends. It's two against one. However, if I was going to say something, I would hammer the point about how accounts with different goals all have the same asset mix (you do mean not only do they hold the same f...
by prudent
Sat Aug 16, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9319

Re: How would the super wealthy use Credit Unions?

I would doubt anyone keeps $100 million in cash. Most would be invested somewhere. And banks have the same insurance limit as CUs - banks are insured by FDIC, most CUs by NCUA. And to avoid exceeding the insurance limit they can use CDARS (but through banks, not CUs) which spreads deposits across mu...
by prudent
Sat Aug 16, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would the super wealthy use Credit Unions?
Replies: 11
Views: 1498

Re: Do Super wealthy have access to different investing vehi

Yes, they have access to investments that you and I don't. However, that does not automatically equate to BETTER investments. Most investments that are only open to high net worth individuals are higher risk.
by prudent
Fri Aug 15, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6468

Re: Lifestyle Creep

I have no opportunity for lifestyle creep! She wants nothing, no aspirations to a bigger house, newer car, any jewelry, clothes... nothing. She's said she'd be happy living in a trailer if it meant I could retire early. She's said we already have so much beyond what she needs (and that's with a pret...
by prudent
Fri Aug 15, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2711

Re: Lipitor at Costco with Membership

Generic Lipitor is free at a local supermarket's pharmacy, up to a 90 day supply. Is generic an option for you (even if you can't get it free)?
by prudent
Wed Aug 13, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1591

Re: Reticient sibling [Dispute over execution of trust]

I am a trustee and was there when the trust was drafted and signed by the grantor. No beneficiaries signed any part of the trust. Since the trust was established, I make yearly distributions to the beneficiaries and they don't have to sign anything nor have I ever asked them to. The trust says I (as...
by prudent
Tue Aug 12, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reticient sibling [Dispute over execution of trust]
Replies: 31
Views: 3162

Re: Where do you buy clothes?

I also hate shopping so buying new clothes only happens when she says enough is enough, we're going to get you some clothes. Kohl's mostly, Macy's for work clothes. When Nordstrom's opened here there was a lot of buzz about what a great store it was, but when I went in and saw the prices I knew I wo...
by prudent
Mon Aug 11, 2014 5:50 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9488

Re: Your Favorite charity organization...? please

I don't think anyone's mentioned DonorsChoose - support public school classroom projects in your local area. Great charity, IMO. (Also, a shout out to Beagle Freedom Project ; rescuing beagles from research laboratories and finding them homes...) Just checked out DonorsChoose. Looks to be a great w...
by prudent
Mon Aug 11, 2014 5:39 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4596

Re: Getting my electric supplied by Agway?

Thumbs down if all they have to show is the history of the teaser rate - that's useless. I guess you can call and ask what the rate is after the one month intro. We had some third-rate suppliers in PA that raised their rates to insane levels last winter after the short fixed price period expired. Bu...
by prudent
Sat Aug 09, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Getting my electric supplied by Agway?
Replies: 4
Views: 331

Re: Getting my electric supplied by Agway?

Many suppliers have a teaser rate that can change after some period of time, check for that. Since you can tell that their rates over time have been low, I'd be comfortable with switching. Look at fees for switching to someone else and if you are locked in to a contract for a period of time. We've h...
by prudent
Sat Aug 09, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Getting my electric supplied by Agway?
Replies: 4
Views: 331

Re: Riding the Rails--my Amtrak trip

Really enjoying the descriptions of your train travels. :sharebeer
by prudent
Fri Aug 08, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 10119

Re: Poll - Do you use Quicken?

I've noticed that my fairly large quicken file (have transactions going back to the 90's) is starting to take a longer time to load and process downloaded updates and whatnot. Anyone know of performance tweaks I can do without purging older data? Here's some information from Intuit: https://quicken...
by prudent
Fri Aug 08, 2014 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5398

Re: Your Favorite charity organization...? please

I like local small charities... the local Boys and Girls club, the local Library, the local community swimming pool, the local raptor rehab center...where you know your gift will make a difference in the place you've chosen to live. your last days. This is the position we have adopted as well for o...
by prudent
Fri Aug 08, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4596
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