Search found 2754 matches

by prudent
Fri Jun 23, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 31
Views: 1904

Re: New Baby - Wife stay at home for 1 year?

I removed a number of off-topic posts. Please keep replies focused on the OP's question - personal experiences with the financial aspects.
by prudent
Thu Jun 22, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 9
Views: 1051

Re: Amazon purchase

That's correct.
by prudent
Thu Jun 22, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4144

Re: Help with Guns in Estate [how to sell]

Topic is locked (thread exhausted).
by prudent
Thu Jun 22, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 240
Views: 15525

Re: Siblings in disagreement over mom's house.

Let's keep replies focused on the OP's situation.
by prudent
Thu Jun 22, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money and confirming receipt?
Replies: 17
Views: 869

Re: Sending money and confirming receipt?

Western Union emails you when money you send is picked up.
by prudent
Thu Jun 22, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 1883

Re: Used cars in high demand

Topic is locked (trolling).
by prudent
Wed Jun 21, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall inheritance and new home
Replies: 20
Views: 1546

Re: Windfall inheritance and new home

If I understand correctly, after the inheritance you have a net worth of around $9 million, 10 years from retirement.

I don't see a problem buying a $900K home.
by prudent
Mon Jun 19, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3383

Re: Need to find Loaded Index Funds

Found a couple dozen candidates using the Zacks mutual fund screener. Criteria used: Load=Y, Portfolio turnover <= 25, Total issues >= 300 . Not all returned candidates were index funds, but most were.
by prudent
Mon Jun 19, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1262

Re: Trying to save money on prescription drug

Topic moved to Personal Consumer Issues.
by prudent
Mon Jun 19, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3383

Re: Need to find Loaded Index Funds

When you say you can purchase A shares at NAV, do you mean you would be buying funds with front-end loads, but the load would be waived for you?
by prudent
Mon Jun 19, 2017 2:05 pm
Forum: Forum Issues and Administration
Topic: How can I delete my account on bogleheads?
Replies: 2
Views: 648

Re: How can I delete my account on bogleheads?

Send me a PM with the information.
by prudent
Sat Jun 17, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Financial Freedom at 55, Early Retirement, SPIA a good idea?
Replies: 23
Views: 1880

Re: Financial Freedom at 55, Early Retirement, SPIA a good idea?

All you can do when the decision is 20 years in the future is to wait and see. SPIA rates are of course tied to interest rates, and whether 5.2% will be the going rate at that time is unknown. It's good to plan, but there are too many moving parts to know where things will stand in 20 years. Your ho...
by prudent
Sat Jun 17, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Market index funds are unsustainable?
Replies: 12
Views: 2297

Re: Market index funds are unsustainable?

After review, the thread is unlocked with the understanding that replies remain focused on investing and not social/ethical issues. A couple of posts were removed which did not meet that threshold.
by prudent
Fri Jun 16, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 1950

Re: USAA opinions. Worth it?

USAA insurance saved my father a lot; however, my quote was higher than what I'm paying now. You have to get a quote. They have multiple insurance companies under the USAA umbrella, rates probably depend on which one they assign you to. I have read that not every customer qualifies for a "subsc...
by prudent
Thu Jun 15, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Enterprise Software Sales - Delivery when raising invoice or after payment
Replies: 13
Views: 679

Re: Enterprise Software Sales - Delivery when raising invoice or after payment

When I was on the customer side of large software purchases, it went like this: - When contract was signed and PO issued, software was delivered. That was the start date of the warranty support. (The free support period that came with the purchase.) But there were a couple times we went back to the ...
by prudent
Thu Jun 15, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: [LendingTree Acquires DepositAccounts.com]
Replies: 3
Views: 567

Re: Ken Tumin sells DepositAccounts for $33 million

Topic is locked (not actionable, not personal). See: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: ⋅  US or world economic, political, tax, health care and climate policies &s...
by prudent
Thu Jun 15, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Wells Fargo: Never give a sucker an even break
Replies: 2
Views: 1022

Re: Wells Fargo: Never give a sucker an even break

Topic is locked (not actionable, not personal). See: Non-actionable (Trolling) Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: ⋅  US or world economic, political, tax, health care and climate policies &s...
by prudent
Thu Jun 15, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3567

Re: Turbochargers

Topic moved to Personal Consumer Issues.
by prudent
Wed Jun 14, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 24
Views: 1060

Re: Multi-page scanner?

Many comments bring up happy memories for me. Years ago the business unit I was in wanted a scanning solution. The IT group would not help ("not in the strategic plan") and it was before our copiers had a scan-to-file capability. Although I was not in IT I told the business unit head I cou...
by prudent
Tue Jun 13, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Any Opticians or Optometrists out There? New Eyeglasses
Replies: 3
Views: 559

Re: Any Opticians or Optometrists out There? New Eyeglasses

This thread has run its course and is locked (medical advice). See: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I'd like to suggest you start with the Medical Library Association's User's Guide to Finding and Evalu...
by prudent
Mon Jun 12, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1436

Re: Help with Second to Die Policy

Topic moved to Personal Finance (Not Investing).
by prudent
Sun Jun 11, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 75
Views: 4900

Re: AAA Cost

For me it's worth it to know AAA will send someone and cover the cost. Last flat I had was at 6 AM, 10 degree snowy weather, I was in a suit headed to work, two lane road, no streetlights and I could only pull off the road halfway. Called AAA, 5 minutes later I get a call from an AAA driver, he's co...
by prudent
Sat Jun 10, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7801

Re: College admissions question - she got a "C"

Let's keep replies focused on the OP's issue.
by prudent
Sat Jun 10, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7801

Re: College admissions question - she got a "C"

I was so naïve in high school (no one in the family had gone to college), I didn't even realize some people didn't get accepted to college. I had a 3.2 GPA, no honors classes, barely in the top 10% of the class, skimpy extracurricular activities and no community volunteer work. I applied to one coll...
by prudent
Thu Jun 08, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 1678

Re: Installing Fencing to keep predators away from chickens?

Topic moved to Personal Consumer Issues.
by prudent
Thu Jun 08, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5175

Re: Used 2013 Audi A5 or New Honda Accord Sport

Topic moved to Personal Consumer Issues.
by prudent
Thu Jun 08, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance advice when leaving a job
Replies: 8
Views: 879

Re: Health insurance advice when leaving a job

Be sure to understand the rules about when you can sign up for ACA plans if you are on COBRA. My understanding is: If you are on a COBRA plan, you can only switch to an ACA plan (1) during ACA open enrollment; or (2) when your COBRA eligibility expires (18 months). So if you take COBRA now, and you ...
by prudent
Wed Jun 07, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 75
Views: 4900

Re: AAA Cost

Our AAA Plus is $118 (spouse and I). We don't get any discounts.
by prudent
Wed Jun 07, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this special work assignment (more pay)?
Replies: 11
Views: 895

Re: Should I accept this special work assignment (more pay)?

In my mid-30's, with the chance to score meaningful points with higher-ups that could translate to promotions down the road, I'd do it since it's only 10 weeks.
by prudent
Wed Jun 07, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Tired of dealing with incompetent repairmen
Replies: 6
Views: 1076

Re: Tired of dealing with incompetent repairmen

Topic is locked for moderator review.
by prudent
Wed Jun 07, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 25
Views: 3230

Re: How to buy (or invest) into Bitcoin?

A bitcoin investor I know online said a few days ago, "Bitcoin will keep soaring higher the next 10 years because more and more people will be using bitcoin. Of course there will be dips in the price, so I'd buy after the price drops." Thoughts? My thought is anyone who has invested in so...
by prudent
Tue Jun 06, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Chicago Real Estate
Replies: 24
Views: 2415

Re: Chicago Real Estate

Topic is locked (derailed, becoming political).
by prudent
Mon Jun 05, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 880

Re: How to find best but the cheapest red wine for better health?

This thread has run its course and is locked (medical advice). See: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I'd like to suggest you start with the Medical Library Association's User's Guide to Finding and Evalu...
by prudent
Sun Jun 04, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Inherited a lot of coins/stamps - what to do with them?
Replies: 33
Views: 5584

Re: Inherited a lot of coins/stamps - what to do with them?

If you want to post what years proof sets you have, I can give you an estimate of what they are worth.
by prudent
Sun Jun 04, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6750

Re: Flying first class, business, versus economy.

I've traveled overseas on both business class and in economy. I don't think I'll ever go again if I can't afford to go at least business class. I will factor that into the cost of the vacation and not consider it a splurge.
by prudent
Sun Jun 04, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: A group universal life insurance with a big premium increase upon leaving employer
Replies: 6
Views: 361

Re: A group universal life insurance with a big premium increase upon leaving employer

Given your resources, I wouldn't spend anything on life insurance. Doesn't seem to be an actual need for it.
by prudent
Sun Jun 04, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2156

Re: Black and white laser printers

Topic moved to Personal Consumer Issues.
by prudent
Sat Jun 03, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Renting" contractors license
Replies: 7
Views: 1001

Re: "Renting" contractors license

Would like to understand better what is meant by "your employer conducts business under a license in your name". I once worked for a company that was required to have a PE sign off on all design documents, but we didn't always have a PE on staff with a license in the state where we were do...
by prudent
Fri Jun 02, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: 401K match question
Replies: 13
Views: 510

Re: 401K match question

It means that for the first 6% of YOUR contribution to the 401k, the employer will match 25% of that. So if you put in 6%, they'll add 1.5% for a total of 7.5% added to your 401k. The matching amount does not increase if you put in more than 6% - it will stop at 1.5%. "Cliff vesting" means...
by prudent
Thu Jun 01, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7277

Re: What Do You Pay for an Oil Change?

Topic moved to Personal Consumer Issues.
by prudent
Tue May 30, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Multiple seat belt tickets- options?
Replies: 36
Views: 3727

Re: Multiple seat belt tickets- options?

Let's focus replies on the OP's question regarding options to resolve the tickets.
by prudent
Tue May 30, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 70
Views: 5155

Re: Do I deserve it?

I don't see a problem in getting a newer car, but a $35K car seems quite expensive given your salary.
by prudent
Tue May 30, 2017 7:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 28
Views: 2518

Re: Memorial Day

Memorial Day was brought home to me in a very powerful way yesterday. At church, one of our members spoke about his service in Afghanistan a few years back. His talk was accompanied by a series of photos shown on screen. Each photo was of a smiling, young soldier who served along with Dave. As the p...
by prudent
Mon May 29, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 5574

Re: Retiring in southern college town

Topic is locked (topic exhausted, replies are off-topic).
by prudent
Mon May 29, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: How long before I can cut down a branch with a nesting bird
Replies: 18
Views: 1952

Re: How long before I can cut down a branch with a nesting bird

Good call to use a service when the time comes to cut the tree down. I have had more friends seriously hurt cutting trees than in all other types of accidents combined. One with a broken pelvis, another suffered a broken leg, another lost two fingers, and one was even killed. It's dangerous work.
by prudent
Sun May 28, 2017 7:19 pm
Forum: Forum Issues and Administration
Topic: new user name
Replies: 3
Views: 580

Re: new user name

Send me a PM with the name you wish to use.
by prudent
Sat May 27, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7288

Re: SEC Rejects Winklevoss Bitcoin ETF

After review the thread will remain locked.
by prudent
Sat May 27, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: i just changed all my passwords
Replies: 30
Views: 3343

Re: i just changed all my passwords

This thread is locked (general comment). See: Personal Consumer Issues ...General comments or complaints about these topics will be locked or removed. Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. Also see: A reminder th...

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