Search found 1604 matches

by prudent
Mon Aug 03, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card
Replies: 9
Views: 1030

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: 9
Views: 685

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: 1582

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: 34
Views: 1568

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: 52
Views: 4223

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: 238
Views: 19934

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: 7
Views: 241

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: 7
Views: 241

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: 2696

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: 2147

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: 4637

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.
by prudent
Fri Jul 24, 2015 1:02 pm
Forum: Investing - Theory, News & General
Topic: Gambling with Commodities
Replies: 15
Views: 1649

Re: Gambling with Commodities

I think commodities markets are manipulated and most futures market action (including metals) is instigated by the big brokers and little of it is related to its function of locking in prices for producers and consumers. Wish I knew how to exploit that.
by prudent
Fri Jul 24, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 88
Views: 6291

Re: Asking for separate checks?

I like separate checks because most times my dining companions seem to be tightwads and I can leave an appropriate tip for my meal. When we would just throw money in, there was more than one occasion where I had to pretend I forgot something so I could go back to the table and leave more for the tip...
by prudent
Fri Jul 24, 2015 6:47 am
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 2709

Re: Magazine Subscriptions

I've been getting Kiplinger's and Money through Publishers Clearing House for about a buck an issue each. They aren't always being offered, but when they show up I just re-up for another year if I have less than a year to go.
by prudent
Thu Jul 23, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2221

Re: Performance review for Boss!

Once worked at a place that did "360" reviews. It was inane. If you wrote something critical, it would never be mentioned without an example to back it up. You knew never to give an example, since 99% of the time that would only reveal who wrote it. Reminded me of the time I got a new VP a...
by prudent
Thu Jul 23, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Financial/Estate Planning
Replies: 13
Views: 784

Re: Financial/Estate Planning

Are you looking for guidance and advice, or just want someone to create the documents that implement the plan you have decided on?
by prudent
Thu Jul 23, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4079

Re: What are your financial goals?

1. Comfortable retirement knowing there is no do-over once the plug is pulled.
by prudent
Thu Jul 23, 2015 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Explanatory Websites/Resources
Replies: 6
Views: 810

Re: Social Security Explanatory Websites/Resources

I recommend Mike Piper's book "Social Security Made Simple" to understand the options. And the SSAnalyze tool at bedrockcapital.com to run claiming scenarios.
by prudent
Thu Jul 23, 2015 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Just made my Vanguard account... now what? (super newbie)
Replies: 8
Views: 1231

Re: Just made my Vanguard account... now what? (super newbie)

1. If a taxable account, your profitable sale triggers a tax liability no matter where the money sits. If a tax-deferred account (IRA, 401k...) then no tax liability as long as the money doesn't leave the account. 2. You can use the MM Fund to keep your liquid funds, but it doesn't have the convenie...
by prudent
Wed Jul 22, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: I'm a spender?
Replies: 44
Views: 5782

Re: I'm a spender?

One possible cause is not budgeting in advance. When money just piles up and there is no plan, it's very easy to squander it. If you budgeted towards your loans and towards your "fun money", then you can spend your fun money any way you want - but you have to stay in the budget. And you'll...
by prudent
Sat Jul 18, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Second credit card fraud this year
Replies: 14
Views: 1154

Re: Second credit card fraud this year

I recently read that Discover card offers a "freeze" capability. You can disable your card from being used for any purchases, cash advances and balance transfers from their app and unfreeze it any time. Hope more issuers offer this - you could keep every card essentially disabled until rea...
by prudent
Sat Jul 18, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4954

Re: Recommendations for gas grill

I just wish someone would have told me about them 30 years ago. I can relate. First grill was a low-end Sears cheapie. Three years later we needed as much in parts to keep it operating as we spent on it originally. Then decided to get a little better grill, don't remember the brand. That lasted 4 y...
by prudent
Sat Jul 18, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4954

Re: Recommendations for gas grill

Our Weber propane grill is 15 years old. We have replaced the grates and flavorizer bars once and last year we replaced the igniter. If only the grill covers were as long-lived!
by prudent
Sat Jul 18, 2015 7:37 am
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 1969

Re: Does anyone else have to continually login?

Never have this happen on my PC, but it happens pretty often on my phone.
by prudent
Fri Jul 17, 2015 6:18 am
Forum: Personal Consumer Issues
Topic: Gift Card Exchange Web Sites
Replies: 15
Views: 1212

Re: Gift Card Exchange Web Sites

Based on stories I've seen on deals sites, I think it's wise to use second-hand cards as soon as possible to protect against being scammed. And I'd also be careful about transferring purchased card balances to another card if you keep a healthy balance there - there have been cases where Starbucks f...
by prudent
Thu Jul 16, 2015 6:44 am
Forum: Personal Consumer Issues
Topic: Strange Spam Email Situation - Could this be malware?
Replies: 11
Views: 962

Re: Strange Spam Email Situation - Could this be malware?

It doesn't prove there was a breach, but odds are there was. When spammers spoof a sending email address, they can use anything. Might be an actual email address, might not. Doesn't necessarily mean someone got hacked or that email was intercepted en route. My belief is if a spammer used an actual e...
by prudent
Tue Jul 14, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4556

Re: Having Trouble buying big ticket item

I have found I often don't enjoy a purchase as much as I expected to, and that tends to keep me from buying big ticket items. But that's me. If I was in your financial position AND I was quite sure I would enjoy the item, I would want to buy it. That's half the issue. The second part is how the wife...
by prudent
Mon Jul 13, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Alternatives to iTunes on Windows 7 PC
Replies: 14
Views: 786

Re: Alternatives to iTunes on Windows 7 PC

OP, I sympathize with you. I find iTunes to be maddening for the exact reason you cite - Windows Explorer does exactly what you tell it to and you know what's going to happen. Drag-and-drop! Copy/paste! With iTunes, who knows? It does what it wants. It actually kept me from upgrading our phones for ...
by prudent
Mon Jul 13, 2015 5:46 am
Forum: Personal Consumer Issues
Topic: Online Auction - Coins
Replies: 12
Views: 1068

Re: Online Auction - Coins

there's a lot of garbage coins out there That's no exaggeration. There are many ebay auctions for garbage coins and/or simply false descriptions of what the coins are. They keep selling, so no question there are plenty of buyers getting hosed all the time. My friend has a coin shop where he gets to...
by prudent
Sun Jul 12, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: Online Auction - Coins
Replies: 12
Views: 1068

Re: Online Auction - Coins

What kind of coins?

ebay has a huge following and a lot of coin listings.
greatcollections.com would be a good choice for rare collectible coins.
by prudent
Sun Jul 12, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advisers who are fiduciarys
Replies: 4
Views: 567

Re: Financial advisers who are fiduciarys

I had some analysis done by a NAPFA member, and reviewed his code of conduct before making the commitment. I liked it because it was ironclad - he does not get any commissions, kickbacks, referral fees... nothing beyond what customers pay him directly. There would be no reason to act other than in t...
by prudent
Sun Jul 12, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: scared of the future
Replies: 15
Views: 2353

Re: scared of the future

OP, yes, it's scary to see stocks in "unprecedented territory" and I understand your concern about protecting what you've already earned. But what if this was 1986? Would you have said the same thing, with the S&P 500 at around 280? That was unprecendented territory. http://i82.photobu...
by prudent
Sat Jul 11, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015
Replies: 16
Views: 1426

Re: Quicken 2015

The trust factor is a reason why I prefer Quicken over Mint. All data stored on my own PC, not on their servers or in the cloud.
by prudent
Sat Jul 11, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015
Replies: 16
Views: 1426

Re: Quicken 2015

I'm a long-time user and I think if you want reports that you can tailor any way you want, Quicken is a good choice. I usually buy a year-old version on ebay to avoid the worst bugs of a new release, and keep that until the three-year window expires for downloading transactions.
by prudent
Sat Jul 11, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18811

Re: What 2008/09 has done to me

I've never had that exact experience, but seeing good people get the axe for no obvious reason over the years drove me to the same conclusion.
by prudent
Fri Jul 10, 2015 7:42 pm
Forum: Investing - Theory, News & General
Topic: "Helping Your Parents Financially"
Replies: 62
Views: 7781

Re: "Helping Your Parents Financially"

I can see how people's own experiences would have to greatly affect how they view this subject. Family dynamics are all over the place. My parents never had much and never were in a position to really save. They have been retired for almost 20 years on a small non-COLA pension and SS. Never asked me...
by prudent
Fri Jul 10, 2015 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Financial advisers who are fiduciarys
Replies: 4
Views: 567

Re: Financial advisers who are fiduciarys

I don't think they are more likely to get better returns, but I do think that in theory they are more likely to give you advice that is more appropriate for your specific situation. Therefore looking at an "average" of an advisor's returns wouldn't really mean much. If a client says they h...
by prudent
Thu Jul 09, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Amex Premium Car Rental Protection--Worth it?
Replies: 20
Views: 1167

Re: Amex Premium Car Rental Protection--Worth it?

I like it because I feel it protects me against the most likely situations - phantom damage claims after return along with those "loss of use" charges, stolen car, glass damage - and they cover it as primary. It's cheaper than the rental company cost even if you only rent for a couple of d...
by prudent
Wed Jul 08, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Credit card automatically saves a receipt online
Replies: 16
Views: 1269

Re: Credit card automatically saves a receipt online

I don't know that a credit card issuer would even have the line-item detail of a transaction.
by prudent
Tue Jul 07, 2015 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1639

Re: Thanks to Forum Administrators

Agreed! Thanks to the admins for their work.
by prudent
Sat Jul 04, 2015 8:26 pm
Forum: Investing - Theory, News & General
Topic: BullionDirect.com suspends operations. Looks like another implosion/scam
Replies: 67
Views: 6214

Re: BullionDirect.com suspends operations. Looks like another implosion/scam

In my experience, you can buy locally with cash for less than you'd pay Apmex using a credit card. Instant delivery, no worries.
by prudent
Fri Jul 03, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9202

Re: What age did you become debt free and what opportunities did it create?

Bacchus01 wrote:I can't imagine ever being sent free. I'm not even sure why I would want to be.


Reminded me of a Jack Handey quote: "I hope that when I die, people say about me, 'Boy, that guy sure owed me a lot of money.' "
by prudent
Fri Jul 03, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9202

Re: What age did you become debt free and what opportunities did it create?

Age 52. I love the term "debt free" because to me, not having debt truly does mean freedom. The primary opportunity was to have options in employment, including positions I would like more even if it pays less. Was able to accelerate retirement savings. Also, if we wanted to move, it meant...
by prudent
Tue Jun 30, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6692

Re: Unknown phone calls

Just before leaving work today a call got transferred to me from the switchboard - a cold call from a broker in a nearby suburb who wanted to offer me some exciting investment opportunities. Thought about hanging up right then but decided to say I am a low-cost index fund investor who has a defined ...
by prudent
Tue Jun 30, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 135
Views: 10877

Re: Obsessing towards zero balance on credit card.

We very rarely charge anything out of the ordinary so I never check in between statements. When the bill comes, I review the charges for any problems then I set up a payment for the full balance online. Never made a payment in the middle of the cycle even though I'm sure on vacation month it's dinge...
by prudent
Tue Jun 30, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Two Discover Cards - different interest rates?
Replies: 3
Views: 292

Re: Two Discover Cards - different interest rates?

Is it possible they are two different types of Discover cards? LIke a "More" and an "It"? I wouldn't be surprised if they have different guidelines for interest rates to balance profitability and rewards.
by prudent
Tue Jun 30, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Will you pay to not have ads?
Replies: 35
Views: 3348

Re: Will you pay to not have ads?

I wouldn't pay for an ad-free version of a cable channel. I won't even pay for a DVR. The on-demand versions of many shows have almost no commercials (at least on my cable system), so that works well for me. Agree that AMC is very commercial heavy. My wife believes that they insert more commercial b...
by prudent
Tue Jun 30, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Using an Ally savings account from Vanguard
Replies: 13
Views: 1793

Re: Using an Ally savings account from Vanguard

Just clarifying that the limit is 6 withdrawals (transfers out will count). You can make all the deposits you want.

My banker friend tells me that in-person withdrawals and in-person transfers to other accounts don't count against the limit, but I haven't confirmed.

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