Search found 2281 matches

by prudent
Thu Jul 28, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: New retirement, Inc Website
Replies: 8
Views: 1370

Re: New retirement, Inc Website

One other thing I noticed and didn't mention upthread is it stated my area has a HCOL - 17% above the national average. Could not be more wrong - it's definitely below the national average. Not a real confidence-builder.
by prudent
Thu Jul 28, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Career Switch
Replies: 9
Views: 598

Re: Considering Career Switch

No personal experience, but if it was me, I'd think about it this way. 1. Can I sell? IOW can I convince total strangers to let me handle their money? 2. Where do I find such people? They won't come to me. 3. To earn $50K/year I'd probably need to have $5 million under management. How long will that...
by prudent
Wed Jul 27, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: New retirement, Inc Website
Replies: 8
Views: 1370

Re: New retirement, Inc Website

Played through a couple scenarios. The "pessimistic" result is based on 0% real return on stocks, and -2% real on all other assets - for every year of retirement - that's pretty pessimistic!

Looks to me like it is designed to alarm you and prod you to ask for more information.
by prudent
Wed Jul 27, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Toyota Venza info wanted for 2011 and 2012
Replies: 9
Views: 659

Re: Toyota Venza info wanted for 2011 and 2012

Topic moved to Personal Consumer Issues.
by prudent
Tue Jul 26, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2087

Re: Gas grill recommendations please

Our Weber is 15 years old. Sum of maintenance has been replacing the grates twice and the igniter once.
by prudent
Tue Jul 26, 2016 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Disability Trust questions (disabled physician)
Replies: 4
Views: 463

Re: Retirement Disability Trust questions (disabled physician)

After review, the thread will be re-opened.
Please keep in mind that no guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situation.
by prudent
Tue Jul 26, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: ConsumerReports Sep 2016~Robo Platforms
Replies: 3
Views: 471

Re: ConsumerReports Sep 2016~Robo Platforms

nisiprius wrote:???? What Vanguard robo-advisor service? Is this something new, or is this Vanguard's "personal advisory service" which AFAIK is not a robo-advisor?


The story characterizes Vanguard's PAS as a hybrid of robo-advice plus the option to talk to an on-call advisor.
by prudent
Tue Jul 26, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: BoA cash rewards credit card
Replies: 9
Views: 856

Re: BoA cash rewards credit card

A card that's a straight 2% cash back on everything every day would probably be better. Citi Double Cash is an option, Fidelity has one also. The Double Cash also extends warranties for 2 additional years.
by prudent
Mon Jul 25, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: winslow fund help....
Replies: 6
Views: 235

Re: winslow fund help....

From that document: The Winslow Large Cap Growth Fund (the “Fund”) is a separate sub-trust established under the Nuveen/SEI Trust Company Investment Trust (the “Trust”) for the collective investment of assets of participating tax qualified pension and profit sharing plans, governmental plans, and ot...
by prudent
Mon Jul 25, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2378

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

I had a good experience with a napfa-affiliated fee-only planner for a one-time "financial review". It was actually more comprehensive than I expected (and more than was promised) for a flat fee. I do think one reason that happened was that I provided all the requested inputs in a clear, o...
by prudent
Mon Jul 25, 2016 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2378

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

You could look for a fee-only planner at napfa.org and garrettplanningnetwork.com. Keep in mind that advisors will expect you to define your goals. For example, on the retirement question of are you saving "enough", you'll need to be able to say what that means to you - retiring at 65 with...
by prudent
Mon Jul 25, 2016 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Wal-Mart 401k guidance
Replies: 8
Views: 1020

Re: Wal-Mart 401k guidance

Your current plan looks solid to me.
by prudent
Sun Jul 24, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: thoughts on GS Momentum Builder® Multi-Asset 5S ER Index-Linked CDs due 2024
Replies: 18
Views: 861

Re: thoughts on GS Momentum Builder® Multi-Asset 5S ER Index-Linked CDs due 2024

It's too complex for me to understand. My cynical side wonders if the product isn't designed to allow GS to reap the profits while investors pony up the capital. I will say I've never seen anything called a CD that was less CD-like.
by prudent
Sat Jul 23, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 185
Views: 14308

Re: How many folks choose to give inheritance to their children in unequal portions?

i would consider discussing with the children themselves...perhaps the most successful child first. for example i have already told my parents that i want everything to go to my sibling as they are doing much worse than I am. did i work harder? is it their fault for making poor life choices? probab...
by prudent
Sat Jul 23, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Trump Economy
Replies: 2
Views: 839

Re: Trump Economy

Topic is locked, political.
Forum policy 4a:
Politics and Religion
In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited.
by prudent
Fri Jul 22, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 185
Views: 14308

Re: How many folks choose to give inheritance to their children in unequal portions?

I would give each the same amount, however I might do that in different ways: Child 1 very responsible with money: give them the money Child 2 that is not responsible with money: use the amount to buy an annuity so they can't blow it all, but will help them for a long time Child 3 that isn't bad wi...
by prudent
Fri Jul 22, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2636

Re: HDTV Question

Topic moved to Personal Consumer Issues.
by prudent
Thu Jul 21, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: My tax return is still being processed
Replies: 3
Views: 384

Re: My tax return is still being processed

I would call just in case they are waiting for you do to something (supply documentation, whatever) you aren't aware of.
by prudent
Wed Jul 20, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Urgent Chrome Update Scam
Replies: 10
Views: 1794

Re: Urgent Chrome Update Scam

Thread is unlocked by request, to enable the OP to get assistance. Do not post links to malware or malicious sites.
by prudent
Wed Jul 20, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Urgent Chrome Update Scam
Replies: 10
Views: 1794

Re: Urgent Chrome Update Scam

Topic is locked, non-actionable. See comment from Alex Unless they are of some particular relevance to our members (or possibly if it's of general relevance and requires users to take actions beyond normal safe internet practices), scam/spam/phishing threads will be locked as non-action...
by prudent
Tue Jul 19, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the death of the stretch IRA by James Lange
Replies: 3
Views: 685

Re: Preparing for the death of the stretch IRA by James Lange

Topic is locked, discussion of proposed legislation. Forum policy 4a: In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: ◾Common religious expressions such as sending your prayers t...
by prudent
Tue Jul 19, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Owning vs. renting Content
Replies: 11
Views: 1275

Re: Owning vs. renting Content

There's also the fuzzy definition of "owning". Verizon FiOS customers can "buy" movies and watch them any time as much as they want... but if they drop FiOS, they lose access. They really should call it "unlimited viewing for FiOS customers" and not "buying".
by prudent
Tue Jul 19, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Am bugged by massively inflated medical billing ...
Replies: 2
Views: 483

Re: Am bugged by massively inflated medical billing ...

Topic is locked - non-actionable.
by prudent
Tue Jul 19, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Questions - Need advice
Replies: 18
Views: 1343

Re: Asset Allocation Questions - Need advice

There was a duplicate of this thread, and the replies to that one have been moved to here.
by prudent
Tue Jul 19, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Goal mindset when seeing ceiling in career
Replies: 32
Views: 3005

Re: Goal mindset when seeing ceiling in career

When I was at that point, I evaluated if I was willing to do what was necessary in order to hold on to all my wants. Spent a couple months doing serious soul-searching. To increase my income meant going after higher-level positions and that meant more office politics (which brings less job security)...
by prudent
Mon Jul 18, 2016 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Feeling discouraged
Replies: 60
Views: 5863

Re: Feeling discouraged

There is a huge benefit to starting early as you have done - the extra years of compounding returns (vs. someone who starts later) will give you a very large boost as you approach retirement. It's hard when you are just starting out and it seems your progress is slow. In your case your prodigious sa...
by prudent
Mon Jul 18, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: cannot wrestle IRA from custodian. Help?
Replies: 33
Views: 2714

Re: cannot wrestle IRA from custodian. Help?

I wonder if the CFPB would intercede on your behalf. I've seen a couple threads where people had very quick resolution to problems once they contacted the CFPB. I just don't know if they have jurisdiction in this situation (IRA custodian).
by prudent
Sun Jul 17, 2016 4:24 pm
Forum: Forum Issues and Administration
Topic: Outbox
Replies: 7
Views: 465

Re: Outbox

They stay in your Outbox until the recipient opens them.
by prudent
Thu Jul 14, 2016 7:51 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2043

Re: Problem with cell phone + this website

Topic moved to Forum Issues.
by prudent
Thu Jul 14, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: When to file for bankruptcy, if at all?
Replies: 22
Views: 1471

Re: When to file for bankruptcy, if at all?

What I would do is look at it this way: 1. I would really, really not want to file bankruptcy. 2. I have $44K of debt to non-friends/family (credit card/IRS) that is my top concern, and would pay those. 3. I would then have a cash cushion of (138-44) $94K left. 4. I would explain to friends/family ...
by prudent
Thu Jul 14, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: When to file for bankruptcy, if at all?
Replies: 22
Views: 1471

Re: When to file for bankruptcy, if at all?

What I would do is look at it this way: 1. I would really, really not want to file bankruptcy. 2. I have $44K of debt to non-friends/family (credit card/IRS) that is my top concern, and would pay those. 3. I would then have a cash cushion of (138-44) $94K left. 4. I would explain to friends/family t...
by prudent
Thu Jul 14, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Is there a future penalty on Bogleheads by non Bogleheads?
Replies: 8
Views: 1115

Re: Is there a future penalty on Bogleheads by non Bogleheads?

Topic is locked, non-actionable and political which is not allowed by forum policy:
Politics and Religion
In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited.
by prudent
Thu Jul 14, 2016 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Fund in taxable account and too good to be true?
Replies: 13
Views: 1569

Re: Fund in taxable account and too good to be true?

Topic moved to Investing - Help with Personal Investments
by prudent
Wed Jul 13, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8628

Re: Boss cutting salary in response to employee not doing "job"

Perhaps she ought to consult a lawyer since she has a contract, because it is not allowed to give legal advice here.
by prudent
Wed Jul 13, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 8628

Re: Boss cutting salary in response to employee not doing "job"

You mentioned that her employment contract specified her salary. Is she not getting paid what her contract specifies?
by prudent
Wed Jul 13, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best ER calculator?
Replies: 2
Views: 436

Re: Best ER calculator?

by prudent
Wed Jul 13, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 2528

Re: Best way to sell $250 face value 90% junk silver dimes?

The odds are low, but not zero. Most likely you won't find any rare dates/mints as there is no such thing as "unsearched" junk silver, but some collectible varieties can be found. Takes diligence, a good eye, and knowledge of what varieties to search for. Nobody does it as a money-making v...
by prudent
Mon Jul 11, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 3683

Re: Do you have any retiree healthcare benefit from your employer?

Like marketwatcher, I could have it for the full unsubsidized cost but only to age 65. That's the only option, and not an actual benefit. I haven't run the numbers but I believe the ACA options would be cheaper (pre-65).
by prudent
Mon Jul 11, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 2528

Re: Best way to sell $250 face value 90% junk silver dimes?

freyj6 wrote:Got it. I guess it's more so the premium charged for buying them (~$450...).

Well, at least I more or less matched inflation...lol

Thanks.


My friends in the business tell me there are more buyers than sellers for 90% junk silver - and the premiums go up.
by prudent
Mon Jul 11, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 2528

Re: Best way to sell $250 face value 90% junk silver dimes?

At today's spot silver price, the melt value of $250 face of 90% silver is $3667. An offer of $3500 is pretty fair IMHO. That's less than 5% under melt.
by prudent
Mon Jul 11, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: how/where to cash foreign check
Replies: 10
Views: 492

Re: how/where to cash foreign check

I don't think you'll get any help from banks where you don't have an account.
by prudent
Sat Jul 09, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Setting Up Auto Distributions to Avoid Inactivity Fee
Replies: 6
Views: 643

Re: Setting Up Auto Distributions to Avoid Inactivity Fee

Many bank/credit union accounts can handle recurring transfers to other institutions.
by prudent
Fri Jul 08, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: What the SS Policy Makers are thinking
Replies: 2
Views: 485

Re: What the SS Policy Makers are thinking

Topic is locked, prohibited by forum policy. Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: ◾Common religious expressions such as sending your prayers to a...
by prudent
Fri Jul 08, 2016 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 8585

Re: Can I afford a million dollar house?

Topic is locked (exhausted, run its course).

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