Search found 2347 matches

by prudent
Tue Aug 23, 2016 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Annuity for 28 Year Old Hippie
Replies: 30
Views: 2765

Re: Annuity for 28 Year Old Hippie

Here's the rub IMHO. An annuity that starts paying now will have such a small monthly payment, it will be next to useless. An annuity that is deferred for many years has too many unknowns plus with current rates so low, it might not be a good time to lock in today for payments many years away. I'd c...
by prudent
Mon Aug 22, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with transferring shares trading on Euronext
Replies: 3
Views: 145

Re: Help with transferring shares trading on Euronext

Do the company's prospects for the future justify holding on to the shares?
by prudent
Mon Aug 22, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 56
Views: 2726

Re: How do you view debt?

I understand the concept of how debt can be useful but we do not want to be in debt for any reason. It's not for us.
by prudent
Mon Aug 22, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Please, please advise...Health insurance terminated by insurance company
Replies: 40
Views: 2301

Re: Please, please advise...Health insurance terminated by insurance company

I agree with the idea of contacting your congressperson.
by prudent
Mon Aug 22, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Why don't ultra high net worth athletes just use a 3-fund portfolio?
Replies: 30
Views: 2110

Re: Why don't ultra high net worth athletes just use a 3-fund portfolio?

Topic is locked, non-actionable. Forum policy 4b: Non-actionable 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 ◾conspiracy theories of any ...
by prudent
Mon Aug 22, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: refusing to sign divorce papers or refusing to show in court to sign
Replies: 3
Views: 1529

Re: refusing to sign divorce papers or refusing to show in court to sign

We're sorry, but this is a legal and relationship issue that is beyond the scope of our forum. Please ask a qualified attorney for advice.

Topic is locked.


EDIT: Thread is under moderator review.
by prudent
Mon Aug 22, 2016 5:14 am
Forum: Personal Finance (Not Investing)
Topic: retirement websites/books?
Replies: 13
Views: 1027

Re: retirement websites/books?

Are you looking for financially-oriented books/sites? Or something else?
by prudent
Sun Aug 21, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Donating to Baton Rouge Flood Victims
Replies: 4
Views: 479

Re: Donating to Baton Rouge Flood Victims

We have supported Samaritan's Purse before regarding disaster relief as we have friends who have worked with them directly in the post-Katrina cleanup. Their Charity Navigator score is 98.23 out of 100. They have people working onsite already.

They are equipped to accept donated shares.
by prudent
Fri Aug 19, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Western vacation questions
Replies: 40
Views: 2170

Re: Western vacation questions

We flew from PA to Denver on a western trip and rented a car. Drove to Yellowstone for a few days, then the Grand Canyon, through Monument Valley, Durango CO, Colorado Springs, and back to Denver. I think it was 11 days total, and I don't feel we rushed it. Didn't see Grand Teton though. We stayed j...
by prudent
Fri Aug 19, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dental and vision insurance payments withheld from paycheck, taxed? [UPDATED]
Replies: 20
Views: 2007

Re: Dental and vision insurance payments withheld from paycheck, taxed? [UPDATED]

Happy ending! Where I used to work, they would have routed the question she sent to the CEO over to the benefits office, where the same person who flubbed the situation originally would have responded that everything is as it should be.
by prudent
Fri Aug 19, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3478

Re: How to Prepare for Old Age When You Don’t Have Kids

jane1's post was merged into this existing thread.
by prudent
Fri Aug 19, 2016 5:44 am
Forum: Investing - Help with Personal Investments
Topic: New to this
Replies: 11
Views: 683

Re: New to this

I'm sorry for your loss and the stress that you are experiencing. Your EJ person may be very good but even if so, it's important to understand what's happening to your money. I suspect most of the issues you have found online are related to their costs, which can be very high compared to some altern...
by prudent
Thu Aug 18, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Distributing assets and trustee fee calculations
Replies: 7
Views: 372

Re: Distributing assets and trustee fee calculations

I think the fee should be based on the entire amount that was in the trust.
Then they split the rest.
by prudent
Wed Aug 17, 2016 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6441

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

This topic is exhausted and is locked. The OP has not returned to provide any follow up.
by prudent
Tue Aug 16, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions
Replies: 21
Views: 2896

Re: Early Retirement - Planning Questions

I removed a number of off-topic posts. Please keep replies focused on the OP's question.
by prudent
Tue Aug 16, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 26
Views: 1199

Re: Editing shortcut emacs-like keys. Do u use them?

Topic moved to Forum Issues and Administration.
by prudent
Tue Aug 16, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Help me calculate monthly earnings from an investment
Replies: 7
Views: 338

Re: Help me calculate monthly earnings from an investment

That's what I thought but this post... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=196579&p=3014269#p3014269 the person says I would earn $466 per month on $350k in VMLUX. Not sure how that was calculated. That would mean VMLUX would earn more than the 1% form Capital One 360 Money...
by prudent
Mon Aug 15, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: Interesting look at the management of Vanguard Total Market
Replies: 1
Views: 539

Re: Interesting look at the management of Vanguard Total Market

Topic locked, naked links are not permitted by forum policy. We also require that you be considerate of our readers and: ◾use meaningful titles on new topics ◾ refrain from posting naked links - all links should include an explanation or excerpt unless its meaning is clear from the context ◾avoid p...
by prudent
Mon Aug 15, 2016 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 247
Views: 25135

Re: Self-made Millionaires: how did hitting 7 figures change you?

It was never a goal for us, because it seemed beyond attainable. We just kept our heads down and tried to be diligent in saving, generous in sharing, and frugal in spending. One day, there it was. We marveled at how blessed we were and went out to dinner ($70 incl tip which is pretty fancy for us). ...
by prudent
Sun Aug 14, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance & LI under negative interest rates
Replies: 10
Views: 652

Re: Life insurance & LI under negative interest rates

Combined leftcoaster and Valuethinker's threads.
by prudent
Sat Aug 13, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 5405

Re: Joint Accounts - How do you use it?

We do everything out of one joint account, but every couple needs to find the solution that's best for them.
by prudent
Sat Aug 13, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 1798

Re: How do you wire money?

Moderators, am I allowed to post a referral link that would give posters the ability to have 1-free transfer with Transferwise? If so, I'll follow up in a new post, would give you the chance to try them out for free. Thanks for asking - referral links are not permitted by forum policy: Members may ...
by prudent
Sat Aug 13, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Why aren't mutual fund fees more transparent?
Replies: 6
Views: 290

Re: Why aren't mutual fund fees more transparent?

I don't know, it seems transparent in that every fund must disclose their ER, sales load, management fee, 12b-1 fee, exchange fee, redemption fee, etc. right at the front of the prospectus, which also shows a table of what the ER would cost over various periods of time per $10K invested. My understa...
by prudent
Sat Aug 13, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6441

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

Can you barter for yard work, cleaning the garage etc. that could work off the debt?
by prudent
Sat Aug 13, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Sears protection plan on heat pump ?
Replies: 14
Views: 862

Re: Sears protection plan on heat pump ?

@prudent - think you must be lucky enough to live in a more urban area with a good choice of local HVAC service providers who are competent. After trying two (2) diff. locals and enduring horrible results, have decided to write off the local jacklegs. Others here do the same, utilizing services tha...
by prudent
Fri Aug 12, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 1247

Re: Vacuum Cleaners?

This search will bring up a number of threads on that topic.
https://www.google.com/search?sitesearc ... eheads.org
by prudent
Fri Aug 12, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: Sears protection plan on heat pump ?
Replies: 14
Views: 862

Re: Sears protection plan on heat pump ?

IMHO it is less about Sears the company, and more about the specific person who comes to service your device. We have had Sears plans on some appliances and a local company plan on our HVAC. The difference we've seen is that the local company usually has any needed parts, Sears always has to order t...
by prudent
Fri Aug 12, 2016 6:18 am
Forum: Investing - Theory, News & General
Topic: Today's factoid
Replies: 1
Views: 422

Re: Today's factoid

Topic locked, non-actionable.

Forum policy 4b:
Non-actionable Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here.
by prudent
Fri Aug 12, 2016 6:16 am
Forum: Personal Finance (Not Investing)
Topic: WaPo profiles Bogleheadish family
Replies: 10
Views: 1828

Re: WaPo profiles Bogleheadish family

Topic locked, non-actionable.

Forum policy 4b:
Non-actionable Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here.
by prudent
Thu Aug 11, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 2724

Re: How to address a college professor with a PhD (Dr. or Prof.)

Raymond wrote:However, if they have an MD/PhD, you must call them "Doctor Doctor Smith" :D


Reminded me of a Ph.D. who was in administration where I went to college. He signed his letters "Dr. Fred A. Jones, Ph.D." He got double duty out of that degree. :)
by prudent
Thu Aug 11, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Pre-nup questions
Replies: 35
Views: 4224

Re: Pre-nup questions

I removed a number of off-topic posts. Please keep the replies focused on the OP's questions, not the general state of marriage, how the OP's friend might have come by her assets, or other off-topic commentary.
by prudent
Wed Aug 10, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Equal weight index funds
Replies: 75
Views: 5521

Re: Equal weight index funds

After review, the thread will remain locked.
by prudent
Wed Aug 10, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: More Noise For The Faint Hearted!
Replies: 15
Views: 2039

Re: More Noise For The Faint Hearted!

Topic is locked, non-actionable. Forum policy 4b: Non-actionable 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 - conspiracy theories of a...
by prudent
Tue Aug 09, 2016 8:42 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 4453

Re: Talking about the Bogleheads approach with non-Bogleheads

I might say something like "I read a lot about those issues and many people don't get a clear picture of what they are paying in fees. It's often 1-2% per year and that amount isn't easily seen. It might not sound like much but over time it comes to tens of thousands of dollars." That way ...
by prudent
Tue Aug 09, 2016 5:40 am
Forum: Investing - Help with Personal Investments
Topic: What I’ve learned from Bogleheads about Investing & Me
Replies: 8
Views: 1760

Re: What I’ve learned from Bogleheads about Investing & Me

Great to get updates from folks on their progress, and well done, puck.
by prudent
Mon Aug 08, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: O'Higgins "Beat the Dow with Bonds"????
Replies: 5
Views: 977

Re: O'Higgins "Beat the Dow with Bonds"????

Here's a recap of "Dogs of the Dow" total return from 2011 through 2015.

http://dogsofthedow.com/dogyrs.htm
by prudent
Mon Aug 08, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Options for Adult Children
Replies: 4
Views: 520

Re: Estate Planning Options for Adult Children

Sounds very similar to the situation where a child has a spouse who is a spendaholic. From what I've read, putting the money in a trust is one method but the fact is if an heir can be guilted/manipulated/bullied into giving their money away, you really can't control that unless you keep the heir fro...
by prudent
Mon Aug 08, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are any Bogleheads financial advisors on the side?
Replies: 21
Views: 2673

Re: Are any Bogleheads financial advisors on the side?

I was looking forward to some serious responses to this topic. I figured we'd have atleast a couple financial planners on this site, no? I considered becoming a CFP once upon a time, even going so far as to complete several of the courses. However, like you, I realized I probably would never sit fo...
by prudent
Mon Aug 08, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 98
Views: 9803

Re: Suckered into Marriott Kauai Timeshare Presentation

This topic has run its course and is locked.
by prudent
Mon Aug 08, 2016 5:56 am
Forum: Investing - Theory, News & General
Topic: VWR and back of envelope discomfort
Replies: 7
Views: 565

Re: VWR and back of envelope discomfort

I'm not sure what the goal of the exercise was. If you cherrypicked a bad starting year, did a 5% withdrawal every year, and in 15 years you were only down 5% from your starting point, wouldn't that a pretty satisfying outcome?
by prudent
Mon Aug 08, 2016 5:31 am
Forum: Investing - Theory, News & General
Topic: VWR and back of envelope discomfort
Replies: 7
Views: 565

Re: VWR and back of envelope discomfort

How long of a period of time did you simulate?
by prudent
Mon Aug 08, 2016 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard asset mix pie chart - other
Replies: 3
Views: 689

Re: Vanguard asset mix pie chart - other

Topic moved to Investing - Help with Personal Investments.
by prudent
Sat Aug 06, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: unexpected accelerated retirement (next week), checklist?
Replies: 25
Views: 2399

Re: unexpected accelerated retirement (next week), checklist?

Perhaps save info for contacts you have in your company email, provide new contact info to anyone you think might need it.
by prudent
Sat Aug 06, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my savings account as a Health Savings Account?
Replies: 13
Views: 1270

Re: Can I use my savings account as a Health Savings Account?

Just a caution about the financial advisor at the credit union - it is likely the advisor will recommend funds with high costs which you do not need. Don't agree to invest with them before you come back and ask for opinions on the specific investments the advisor recommended for you.
by prudent
Fri Aug 05, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: High Priced Watches at a Large Discount?
Replies: 1
Views: 442

Re: High Priced Watches at a Large Discount?

Topic is locked, non-actionable.

Forum policy 4b:
Non-actionable Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here.

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