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Re: Success stories of NOT buying more/too much house

Our "starter home" was 1200 sq. ft. Much pressure from friends and family to move up after some years. I was too afraid of having a mortgage that required both incomes so I dragged my feet. About 15 years in, my wife's job situation deteriorated and for her own mental health I encouraged h...
by prudent
Sun Jan 25, 2015 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 15
Views: 838

Re: Would you use MaskMe?

I have a Citi credit card that offers single-use numbers and I use it frequently for online purchases. If I didn't have that available, I'm not sure if I'd use a third-party service to accomplish that.
by prudent
Fri Jan 23, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1422

Re: What Book Are You Currently Reading? Part VI

Just finished "Flash Boys" by Michael Lewis. Lewis has a real talent for making arcane technical information understandable. I found the story of how Wall Street firms pull computer-based shenanigans in order to milk a penny per share on trades to be fascinating. And the drive of the main ...
by prudent
Fri Jan 23, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 436
Views: 56351

Re: Newly retired, seeking wisdom

I like the laddered CDs idea for the cash.
by prudent
Wed Jan 21, 2015 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly retired, seeking wisdom
Replies: 10
Views: 1498

Re: Keurig-cup coffee makers - why?

According to my friends who have them, it's for the wide variety of flavors + fresh coffee on demand + they don't drink coffee by the pot (like I do).
by prudent
Wed Jan 21, 2015 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4611

Re: One milestone achieved, 2 commas

Congrats on your milestone! Great way to start a new year. Did you even imagine getting to that point when you started out?
by prudent
Wed Jan 21, 2015 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: One milestone achieved, 2 commas
Replies: 4
Views: 1139

Re: Real or Fake Website - Need Your Opinion

After some review, my gut tells me there are two possibilities. 1. It's a scam. 2. It's not a scam, but everything they sell is a made-in-China unauthorized counterfeit. Either way I would avoid. First, the site is full of tortured English. Not professional. Second, the company logo on their site do...
by prudent
Mon Jan 19, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Real or Fake Website - Need Your Opinion
Replies: 13
Views: 1377

Re: Custom branded USB flash drive

My thoughts are to buy from someone like Vistaprint or Staples. I'd rather spend a little more so in case of a problem I have someone here in the US to deal with, and they would have already vetted their Chinese suppliers for quality. The overall cost is only a few hundred dollars anyway. IMHO not w...
by prudent
Sat Jan 17, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Custom branded USB flash drive
Replies: 4
Views: 806

Re: Amex Fidelity CC 2% Cash Back

BTW, I had an "opportunity" to "buy back" (for lack of better terms) a year of SS last May and restart at age 65, vs. 64. SS actually took the card and FIA Card Services (they are the administrator of the card) helped me make sure it wasn't bounced for amount. LOL, the "rew...
by prudent
Fri Jan 16, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5264

Re: Where do you shop for groceries?

Supermarket 50% (meat/produce mostly), Sams Club 40% (some meat, mostly non-perishables and staples), Whole Foods 10% (the seeds, nuts and spices she likes). I can't shop at Walmart. Ours is a miserable experience and the savings isn't worth the misery. And she doesn't like Aldi's because according ...
by prudent
Fri Jan 16, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8003

Re: Amex Fidelity CC 2% Cash Back

Anyone use the Blue Cash Preferred Card from Am Ex? It does have an annual fee of $75, but you get 6% cash back on groceries (capped at $6000 per year, after which it is 1%), 3% back on gas and eligible department stores, and 1% on everything else. We use the heck out of it! Remember the 6% applies...
by prudent
Fri Jan 16, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5264

Re: Home Owners insurance pricing ???

You have to shop around for a package of homeowners/auto/umbrella. The "disappearing deductible" and "claims-free discounts" are just gimmicks to keep people from switching insurers. Remember, if you don't have an accident, it isn't saving you any actual money anyway. Insurance p...
by prudent
Fri Jan 16, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Owners insurance pricing ???
Replies: 14
Views: 1534

Re: This topic is causing stress in marriage we need some he

Please clarify a couple things:

1. Is she making contributions every paycheck to the tax-deferred account?
2. If the credit card was paid off, would it stay paid off?
3. What is a rough estimate of your combined annual income in 2015?
by prudent
Thu Jan 15, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7523

Re: Merrill Lynch or Vanguard

If you want to use the funds in 2 years, I feel you should stay out of the market.
by prudent
Thu Jan 15, 2015 7:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3197

Re: Visa Black card, not bad after all?

I can't imagine it makes sense to pay $495 to have a Visa as a backup to an Amex Gold instead of getting the Amex Platinum for $45 less and getting a no annual fee Visa as a backup. Especially for people who travel, as the Amex Plat rebates up to $200 a year on airline fees, and refunds the cost for...
by prudent
Thu Jan 15, 2015 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Visa Black card, not bad after all?
Replies: 8
Views: 1852

Re: When your spouse isn't quite as frugal as you

This got a chuckle out of me - I am both the frugal OP AND the eat-on-the-go spouse. So I definitely relate to both sides of the issue. I manage the finances. And I'm pretty frugal. But... I am going to grab something to eat on the way to/from work if I want. I'm going to buy my lunch if I want. Tha...
by prudent
Wed Jan 14, 2015 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8574

Re: Invitation for a Visa Black Card

The "Visa Black" has a reputation for being the mediocre card that is positioned as something that only the elite can possibly obtain. I think they try to target middle class folks who aspire to social status, not knowing that people willing to shell out the $495 annual fee would be much b...
by prudent
Wed Jan 14, 2015 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Invitation for a Visa Black Card
Replies: 18
Views: 2506

Re: Finally joined the two comma club

Congrats to you on a great milestone! And a tip o' the prudent cap to retiredjg for his always thoughtful posts.
by prudent
Wed Jan 14, 2015 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6134

Re: Immediate fixed income suggestions

Check napfa.org for fee-only advisors.
by prudent
Mon Jan 12, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3392

Re: Immediate fixed income suggestions

Understood. I'm suggesting that the cushion is sufficiently large that it would be difficult to screw things up. A 5-year CD ladder would work. A 50/50 allocation would work. An SPIA would work. You asked whether you should change the allocation because rates might go up, and I don't think it's wort...
by prudent
Mon Jan 12, 2015 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3392

Re: Immediate fixed income suggestions

Counting SS income, she needs about $74K/year from her investments. If we assume a 3% inflation rate and a 4% return on investments (which is a very small 1% real return), after 30 years (when she's 100 years old) she will have just about $1 million left. In my opinion, that means there's no need at...
by prudent
Mon Jan 12, 2015 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3392

Re: Immediate fixed income suggestions

Does she get any Social Security or pension income to help offset the $88K annual spending?
by prudent
Mon Jan 12, 2015 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3392

Re: Immediate fixed income suggestions

I am misunderstanding something. If she has sufficient income while reinvesting 96% of her dividend income, I don't see how she could ever run out of money.
by prudent
Mon Jan 12, 2015 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3392

Re: Immediate fixed income suggestions

She currently lives off around 3.5% - 4% of the dividends being received and the rest are reinvested or new bonds or funds are purchased Are you saying she only spends 4% of the dividend income and reinvests the remaining 96%? You don't say whether or not she has sufficient income today. How long d...
by prudent
Mon Jan 12, 2015 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3392

Re: POLL: For those under $20/month/$100k: What Insurance Co

Liberty Mutual, with a home, auto and umbrella bundle, home deductible is $1K. Before I bundled the other policies with LM, they only had our home policy and the premium was double what we're paying now - the savings more than pays for our umbrella policy. Dealt with the LM agent. Factors the agent ...
by prudent
Sun Jan 11, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 1277

Re: POLL: Homeowners Ins cost $/month per $100k home value?

I'm between $15-20 a month now, but before we moved auto, home and umbrella all to the same company it was about double that.
by prudent
Sun Jan 11, 2015 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3132

Re: Young couple looking for a mentor.

I want to address your comment about "accredited investor". Those rules are in place to ensure certain high-risk investments are only offered to those who are wealthy enough to handle the risk. There's no reason you should want or need anything that is restricted to accredited investors. N...
by prudent
Sat Jan 10, 2015 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4426

Re: Best online checking account

[quote="Leif" I've even heard stories where banks rearrange deposit and withdrawals on the same day just to get that overdraft fee.[/quote] My bank's Terms and Conditions used to say that the bank agrees not to structure debits to maximize overdraft fees, but I agree that processing debits...
by prudent
Fri Jan 09, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 4850

Re: Can I Deposit a Check for Someone Else in Their Account?

slightly off topic - but why does anyone get actual physical paychecks in this day and age, particularly financially savvy boglehead forum people who are used to investing online... direct deposit all the way! At our company of about 900 people, there are still a couple dozen who get paper paycheck...
by prudent
Fri Jan 09, 2015 6:55 am
 
Forum: Personal Consumer Issues
Topic: Can I Deposit a Check for Someone Else in Their Account?
Replies: 27
Views: 2237

Re: understanding Vanguard tools

I think some people are more into analyzing things than others are. Some want to view their data in more and different ways than might be available through a website. I think if what you have been doing is working well for you, then stick with it unless you feel it is limiting what you want to do. D...
by prudent
Thu Jan 08, 2015 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: understanding Vanguard tools
Replies: 4
Views: 670

Re: Does anyone here collect currency?

Some all-star notes posted here. :)
by prudent
Thu Jan 08, 2015 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here collect currency?
Replies: 30
Views: 1942

Re: Can we afford to buy a home?

Ditto the comments that you tend to spend a LOT of money as soon as you get a home for refurbishing/repairs and buying all the stuff you need to make it functional. We were quite unprepared and ended up running up quite a bit of credit card debt for a couple years. Looking back, we cut it too close ...
by prudent
Thu Jan 08, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3298

Re: Does anyone here collect currency?

I have a few pieces (Nationals, some small size US) but nothing significant.
by prudent
Thu Jan 08, 2015 6:39 am
 
Forum: Personal Consumer Issues
Topic: Does anyone here collect currency?
Replies: 30
Views: 1942

Re: Credit Cards, ACH, & bill payments vs. fraud

1. Have multiple credit cards 2. Online purchases: single-use account numbers from our Citibank credit card 3. I avoid automatic charges to a credit card whenever possible. Currently the only exception is our gym membership 4. No debit card, just an ATM card The reason I don't use autopay is that it...
by prudent
Tue Jan 06, 2015 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Cards, ACH, & bill payments vs. fraud
Replies: 4
Views: 409

Re: Do Quicken reports fail to work after a couple years?

Is the report you're using a "saved" report? If so, can you recreate the report and see if that works?
by prudent
Sun Jan 04, 2015 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Quicken reports fail to work after a couple years?
Replies: 10
Views: 547

Re: Do Quicken reports fail to work after a couple years?

My understanding is that the only thing that stops working with Quicken is downloading transactions after three years. Do you get an error message? Or a blank report?
by prudent
Sun Jan 04, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Quicken reports fail to work after a couple years?
Replies: 10
Views: 547

Re: Google takes invasiveness to a new level

Is the OP subject to European law?
by prudent
Sun Jan 04, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3320

Re: Help with insurance coverage and limits

Umbrella policies are so inexpensive (a couple hundred a year for a million $ or more of coverage) that it's practically a no-brainer. And you have to have your home or auto liability limits at a certain level to qualify for the umbrella coverage. At our insurer, it was $300K. And the umbrella polic...
by prudent
Fri Jan 02, 2015 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with insurance coverage and limits
Replies: 5
Views: 416

Re: Boglehead Recommended Vanguard Fund doing Poorly

I wonder if end of year distributions have been taken into account, and not just looking at the NAV.
by prudent
Fri Jan 02, 2015 6:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Recommended Vanguard Fund doing Poorly
Replies: 32
Views: 5683

Re: New Here, need help with Retirement

Bump for input from others.
by prudent
Fri Jan 02, 2015 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: New Here, need help with Retirement
Replies: 42
Views: 3698

Re: New Here, need help with Retirement

Hello and welcome! Couple of questions: 1. You said you want the same income as you have now - don't you expect your expenses to go down somewhat in retirement? Taxes should be less and whatever you're saving now from your current income won't be part of your future expenses. Have you analyzed your ...
by prudent
Thu Jan 01, 2015 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here, need help with Retirement
Replies: 42
Views: 3698

Re: Car shuts off while driving - death, dealers, & liabilit

Do not put anything on your key chain except the key. Not even the lock fob. On the GM cars the problem is with a bad ignition switch. Too much weight on the key can pull the switch to the off position. I assume you have a GM car??? If your car is on the recall list you should have been notified by...
by prudent
Thu Jan 01, 2015 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Car shuts off while driving - death, dealers, & liability
Replies: 44
Views: 4312

Re: Wireless Headphones - noise cancelling

All the noise-cancelling headsets for phone calls I've seen target noise on your end from being transmitted through the microphone (not like Bose noise-cancelling headphones which keep YOU from hearing background noise where you are). Is that what you're looking for? I would contact hellodirect.com ...
by prudent
Wed Dec 31, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Wireless Headphones - noise cancelling
Replies: 8
Views: 1196

Re: Do you read online reviews?

We've had great luck with Angie's List. If I'm getting a quote for some work I always tell them I found them on Angie's List and work into the conversation that I always write reviews myself because I find it so valuable. I've had contractors tell me to hire someone else to do part of the job becaus...
by prudent
Tue Dec 30, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Do you read online reviews?
Replies: 26
Views: 1659

Re: How have elderly parents affected your retirement?

A timely topic for me as just last week I came to an agreement with my father that we would be sending them some money each month. He resisted for the longest time but it was obvious that SS plus 20 years of a non-COLA pension just wasn't cutting it any more, especially with no other assets to draw ...
by prudent
Tue Dec 30, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How have elderly parents affected your retirement?
Replies: 13
Views: 1530

Re: 7 inch reel-to-reel tape

What kind of outputs are available on it?
by prudent
Sat Dec 27, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 852

Re: Keepass 2.28

I don't use Keepass but from looking at their site they have two versions - an installed version and a portable version. Perhaps you downloaded the installed version unknowingly. The portable version is a .zip file. Download links are here: http://keepass.info/download.html This link http://keepass....
by prudent
Sat Dec 27, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Keepass 2.28
Replies: 1
Views: 379

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: 10
Views: 778

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: 63
Views: 5003

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: 17
Views: 3957
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