Search found 3011 matches

by prudent
Sat Jan 20, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Car Stereo Questions
Replies: 12
Views: 393

Re: Car Stereo Questions

Topic moved to Personal Consumer Issues.
by prudent
Fri Jan 19, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 3964

Re: What can I do to fight this ridiculous medical bill?

I removed a number of off-topic posts. Rants about the health care system are off-topic. Please keep replies focused on the OP's specific situation.
by prudent
Thu Jan 18, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Observation
Replies: 3
Views: 390

Re: Observation

This post is locked (not personal nor actionable). As a reminder, general comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own situation. ...
by prudent
Thu Jan 18, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5620

Re: Trying to downsize but still too much stuff

Topic moved to Personal Consumer Issues.
by prudent
Wed Jan 17, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Spend thrift trust
Replies: 3
Views: 325

Re: Spend thrift trust

Could you explain why you want to use a spendthrift trust? The reasons might help.
by prudent
Mon Jan 15, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18299

Re: Are you finding any good values at Amazon anymore?

There are a number of chains that will price match to Amazon (typically must be exact item, in stock, and sold by Amazon not a 3rd party). Target, Best Buy, Home Depot, Bed Bath & Beyond, Staples and JCPenney. Office Depot/Office Max apparently just changed their policy last month and no longer pric...
by prudent
Sun Jan 14, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC below Prime Rate
Replies: 9
Views: 713

Re: HELOC below Prime Rate

Digital Credit Union has HELOC rates "as low as" prime-0.25%. No annual fees, points or closing costs. Minimum payment 1% of balance. LTV up to 80%.
by prudent
Sun Jan 14, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Say What? Morningstar Fund Spy
Replies: 3
Views: 682

Re: Say What? Morningstar Fund Spy

Topic is locked (not actionable).
by prudent
Fri Jan 12, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2425

Re: Is this solar panel bid reasonable?

Topic moved to Personal Consumer Issues.
by prudent
Fri Jan 12, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1224

Re: Storing Important Documents Online

I wish I could get comfortable with the concept of digital storage for personal information. An event earlier in my career where we had to convert a huge amount of data from one storage format to another has made me skittish. To be able to rely on info stored in digital form you need - media that st...
by prudent
Thu Jan 11, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you define middle class? Which class do you consider yourself in?
Replies: 23
Views: 2168

Re: How do you define middle class? Which class do you consider yourself in?

Topic is locked (not actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own situation. You can also ask on behalf of so...
by prudent
Thu Jan 11, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Walmart closed my Sam's Club
Replies: 2
Views: 615

Re: Walmart closed my Sam's Club

This thread is locked (not actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own situation. You can also ask on behalf...
by prudent
Thu Jan 11, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust Tax Strategies
Replies: 5
Views: 267

Re: Special Needs Trust Tax Strategies

I don't know if there's anything you can really do. The tax has to be paid somewhere. I assume the impact of losing Medi-Cal benefits outweighs the tax savings from distributing trust income to her rather than having the trust pay it.
by prudent
Wed Jan 10, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Cobra plans and insurance gap
Replies: 7
Views: 431

Re: Cobra plans and insurance gap

The only concern I would have (and maybe there's a way around it) is if someone suffers a severe injury in the 60-day grace period and is physically unable to complete the paperwork to enroll in COBRA in time.
by prudent
Tue Jan 09, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17291

Re: Buying Real Silver and Gold (Not Bitcoin)

Just to add a little info re:SDBs, the bank has no liability for the contents. People need to carry their own insurance. In addition, many states are aggressive in deciding when a box is "abandoned". In many cases it's only 3 years of no activity. A couple people in California had their allegedly "a...
by prudent
Mon Jan 08, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: new book from co-author of Millionaire Next Door
Replies: 7
Views: 2318

Re: new book from co-author of Millionaire Next Door

Bought it based on op's recommendation. Lots of regurgitation from Millionaire next door. Nothing new, and in fact lots old (Maslow's stages? Really?). Mixed in with some religious preaching. In a word, no thanks. Returned the book asap. Thank god for Amazon. Ordered, received and read the book in ...
by prudent
Mon Jan 08, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Spousal benefits and 40 credits question
Replies: 4
Views: 318

Re: Spousal benefits and 40 credits question

If she needs one more credit (I don't know if that's the answer to your question), all she needs to earn is $1,320 - she doesn't need to work for 3 months. SS no longer uses length of time to define credits. Every $1,320 of SS-covered earnings will give one credit, and you can earn up to 4 credits p...
by prudent
Mon Jan 08, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: What is "winning the game" exactly?
Replies: 9
Views: 1328

Re: What is "winning the game" exactly?

IMHO it's something each person has to define for themselves. Some want 40x expenses not counting SS, others feel they have reached it with 25x expenses counting SS. Some assume doing some work after retirement from their "real" job, others don't. Some can't bear to spend down their savings, others ...
by prudent
Mon Jan 08, 2018 9:57 am
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 2928

Re: Livesoft at 58,000 posts!

Topic moved to Local Chapters and Bogleheads Community.
by prudent
Mon Jan 08, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Question on First In First Out
Replies: 2
Views: 290

Re: Question on First In First Out

I'm assuming your ETF is in a taxable account and you bought all 100 ETF shares in one purchase, 10 years ago. If that's the case, first-in/first-out is irrelevant because you bought all the shares at the same time (assuming you never reinvested any dividends). If you sell 50 shares, you have a capi...
by prudent
Sat Jan 06, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 1961

Re: Should I take this promotion?

If you decline, I wouldn't say you'd never have another chance for a promotion but it likely wouldn't be with your present company. Do you have people there you can talk to privately when you have questions on how to handle something? I think that would be a big plus because as a first-time manager ...
by prudent
Sat Jan 06, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Earning with your hands vs. investing
Replies: 9
Views: 1109

Re: Earning with your hands vs. investing

Not a situation where she is unsure - she's doing what she wants to do. I'd let it drop. Even if there are better alternatives, she seems to be set on what she's doing.
by prudent
Fri Jan 05, 2018 5:22 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5765

Re: Misuse of adverse

I'd like to point out that it's probably best to avoid a deep-seeded reaction to misspelled words. I could care less if there's a typo and I know I'm not a shoe-in to spell everything perfectly. Don't read with baited breath looking for typos that wet your appetite to hit the report button. They are...
by prudent
Fri Jan 05, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Managing and Investing Trust Assets
Replies: 16
Views: 1069

Re: Managing and Investing Trust Assets

Bump for new member.
by prudent
Thu Jan 04, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: IL Law - settling an estate with missing heirs
Replies: 11
Views: 894

Re: IL Law - settling an estate with missing heirs

Topic is locked (legal issues are off-topic by forum policy). See Acceptable Topics and Subforum Guidelines.
by prudent
Tue Dec 19, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: CD perks
Replies: 13
Views: 1726

Re: CD perks

Why talk to a local bank to have them "meet any rate out there"? It's actually faster just to open a CD with an online bank. Last time I did it I think it took me 5 minutes - and I didn't need to talk to anyone. (With a local bank I need to negititate and then fill out paperwork - why not just fill...
by prudent
Tue Dec 19, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17291

Re: Buying Real Silver and Gold (Not Bitcoin)

Conclusion: Big online sellers don't necessarily offer better prices than Local Coin Shops. I'll add that many (but not all) local coin shops give better prices to regular customers on both the buy and sell sides. If a shop has multiple locations, chances are there's no flexibility because the stor...
by prudent
Mon Dec 18, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: CD perks
Replies: 13
Views: 1726

Re: CD perks

I have a feeling that willingness to negotiate on CD rates would be related to whether the institution is actively looking to increase deposits or if they are comfortable with what they have already. So it could be hit-or-miss and might be worth talking to a variety of types - big and small banks, b...
by prudent
Mon Dec 18, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: I just talked myself out of a very fun mistake...
Replies: 15
Views: 1730

Re: I just talked myself out of a very fun mistake...

Topic is locked (not actionable).
by prudent
Mon Dec 18, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Is Menards the future of retail? If so, what does it mean?
Replies: 37
Views: 2419

Re: Is Menards the future of retail? If so, what does it mean?

Topic is locked as off-topic (not actionable, not investing related).
by prudent
Fri Dec 15, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Taxes on Pass-Through (CA)
Replies: 2
Views: 351

Re: 2018 Taxes on Pass-Through (CA)

Topic is locked (discussion of proposed legislation is off-topic by forum policy).

See viewtopic.php?f=3&t=203640 for further explanation.
by prudent
Fri Dec 15, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs under proposed tax bill?
Replies: 4
Views: 528

Re: QCDs under proposed tax bill?

Topic is locked (proposed tax plan is off-topic by forum policy).

Please see viewtopic.php?f=3&t=203640 for further explanation.
by prudent
Fri Dec 15, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: If you were so inclined to commit CC fraud...
Replies: 1
Views: 673

Re: If you were so inclined to commit CC fraud...

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own s...
by prudent
Fri Dec 15, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4973

Re: Wow. Just Wow.

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own s...
by prudent
Mon Dec 11, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2664

Re: Do girls wear Ninja Turtle character shoes

Topic is locked (topic exhausted and derailed).
by prudent
Sat Dec 09, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 980

Re: carefirst or Kaiser Rockville Md

Topic moved to Personal Consumer Issues.
by prudent
Thu Dec 07, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5721

Re: What do Bogleheads say when they don't want to spend money?

My go-to is "I don't want ______." In all situations - friends, family, whoever.
by prudent
Wed Dec 06, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7122

Re: House on the market less than a day. Did listing agent commit fraud?

I suppose it's possible for a seller to tell the agent the top priority is to get the thing sold immediately, and the agent says "price it at $X and it will be gone ASAP".
by prudent
Tue Nov 28, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 13998

Re: FIRE [financial independence/retire early]

The 4% "rule" doesn't have anything to do with health care directly. It says you can most likely withdraw 4% of your assets yearly to finance a 30-year retirement and not run out of money. How it is spent (health care, food, housing, whatever) is up to the individual. You don't add health care costs...
by prudent
Tue Nov 28, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1224

Re: LCOL vs HCOL real estate - which is the better buy?

Topic moved to Investing - Theory, News & General.
by prudent
Thu Nov 23, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1276

Re: Geneology: finding the house a dead relative lived in.

Some libraries have records that could be useful in genealogy research. I'd call the library of that town and ask what they might have. Could be old phonebooks, street maps labeled with occupants' names, digitized old newspapers/access to online newspaper archives, whatever.
by prudent
Wed Nov 22, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Which HDHP (high deductible health plan) would you choose?
Replies: 5
Views: 457

Re: Which HDHP (high deductible health plan) would you choose?

Topic moved to Personal Finance (Not Investing) .
by prudent
Wed Nov 22, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 29958

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

simplesauce wrote:
Wed Nov 22, 2017 9:38 am
Is the group photo posted anywhere?
It's in family_doc's photo album (https://drive.google.com/drive/folders/ ... TFocnZzbVE), linked in the wiki page about the 2017 conference.
by prudent
Tue Nov 21, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: FIFO only rebalancing
Replies: 4
Views: 985

Re: FIFO only rebalancing

Topic is locked (proposed legislation is off-topic).

See Political comments and proposed tax plan remain off-topic for more explanation.