Search found 2670 matches

by prudent
Fri Apr 28, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should we wait untill tax's are changed
Replies: 9
Views: 1248

Re: Should we wait untill tax's are changed

Topic is locked (speculating about proposed legislation is 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 ex...
by prudent
Fri Apr 28, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Trump Tax implications
Replies: 2
Views: 690

Re: Trump Tax implications

Topic is locked (speculating about proposed legislation is 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 ex...
by prudent
Thu Apr 27, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 22
Views: 3109

Re: 7 car noises you should never ignore

Topic moved to Personal Consumer Issues.
by prudent
Thu Apr 27, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Thrivent Financial
Replies: 12
Views: 748

Re: Thrivent Financial

I have met a few Thrivent people through community activities and they are very nice people. I don't believe they will try any hard-sell. They do tend to have high-cost funds and of course they are going to pitch their own products. I wouldn't try to do any massive research in advance. Just listen t...
by prudent
Wed Apr 26, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Before I do the Portfolio Review...(Update: Portfolio Review. Ha.)
Replies: 9
Views: 528

Re: Before I do the Portfolio Review...

I use a BrokerageLink option because it lets me get low-cost Vanguard funds not offered directly in our 401k. However, ours has a $100 annual fee and a commission charge of $20 on certain fund purchases. You'll want to research your specific plan's rules. I see no downside because I'm not making fre...
by prudent
Wed Apr 26, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1786

Re: Doctor bill question

Topic moved to Personal Consumer Issues.
by prudent
Wed Apr 26, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: How do you build a house?
Replies: 10
Views: 1388

Re: How do you build a house?

Topic moved to Personal Consumer Issues.
by prudent
Tue Apr 25, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: umbrella for auto insurance
Replies: 6
Views: 514

Re: umbrella for auto insurance

Yes, that's a key point above - rates vary depending on so many factors (down to different areas within the same zip code), and if I switch from X to Y to save money, someone else is saving money at the same time switching from Y to X. You have to shop multiple insurers to see what your best deal is.
by prudent
Tue Apr 25, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 101
Views: 8252

Re: Vanguard has switched to brokerage only accounts

I also think it's simpler due to the single account number and 1099. And if I had a Flagship rep to call on if converting caused a problem, I wouldn't be concerned.
by prudent
Tue Apr 25, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Help with Windows 10 automatic updates
Replies: 5
Views: 326

Re: Help with Windows 10 automatic updates

The info in this article suggests a trick you can use to control the updates: https://www.cnet.com/how-to/stop-windows-10-from-automatically-updating-your-pc/ Also, Microsoft has said they are going to change the way updates are applied sometime soon which could also help. They plan to allow users t...
by prudent
Tue Apr 25, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: First post be gentle... credit card 24 month rule? [cancel then reapply to get the bonus]
Replies: 15
Views: 1088

Re: First post be gentle... credit card 24 month rule? [cancel then reapply to get the bonus]

I believe this card is also subject to 5/24 rule, meaning no more than 5 new trade lines within the past 24 months, from any issuer. Not credit cards, trade lines. So a line of credit to protect against overdrafts on your checking account, for example, if it reports to your credit reports, will cou...
by prudent
Tue Apr 25, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1063

Re: Car troubles?

Topic moved to Personal Consumer Issues.
by prudent
Mon Apr 24, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: I need to rant about ATT Wireless.
Replies: 12
Views: 1185

Re: I need to rant about ATT Wireless.

This thread has run its course and is locked (not actionable, general rant).
by prudent
Mon Apr 24, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?
Replies: 13
Views: 1067

Re: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?

memawfinance wrote: ...from PC and MACs wherever we are in the world.

That would rule out Quicken, because even though they have both PC and Mac versions, the data files are not compatible between them.
by prudent
Sun Apr 23, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 29
Views: 3169

Re: USAA 2.5% unlimited Cash back Card - Weird...

The credit freeze is certainly the driving factor, but even if that was not the case, I have never applied for a card and gotten an instant approval. They all have said I will hear something in 5-10 days or so. But I've never been declined.
by prudent
Sun Apr 23, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 34621

Re: Larry Swedroe says "Goodby."

Onetrak7519 wrote:newbie here, is there a compendium of Larry posts that we could easily access, as it seems his suggestions have been A+. Hope this isnt to ignorant.


See the comment here: viewtopic.php?f=10&t=217022&p=3336358&hilit=search#p3336358
by prudent
Sat Apr 22, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Non-tangible Assets as Part of an Estate
Replies: 6
Views: 536

Re: Considering Non-tangible Assets as Part of an Estate

Pictures stored in the cloud
Timeshare points
Undocumented loans (most likely to friends/relatives)
by prudent
Sat Apr 22, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Agent requesting tax returns
Replies: 2
Views: 463

Re: Insurance Agent requesting tax returns

I don't know if it's typical but I can see the logic. The policy will provide a certain percentage of your income (they don't want to make being on disability too lucrative for you). So in order to increase the coverage they will need to make sure the coverage doesn't exceed that percentage (often 6...
by prudent
Fri Apr 21, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform and Impact on 401(k) [Wall Street Journal article]
Replies: 11
Views: 1138

Re: Grab Your Pitchforks, America, Your 401(K) May Need Defending from Congress

Topic locked (proposed legislation). 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 an ailing...
by prudent
Wed Apr 19, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 1936

Re: Adult child lack of availability at tax time.

This thread has run its course and is locked (relationship issue). See: Acceptable Topics and Subforum Guidelines This is an investing and personal finance forum. We also maintain a subforum that allow our members to discuss consumer goods and services and recreational activities. Anything else is ...
by prudent
Wed Apr 19, 2017 12:49 pm
Forum: Forum Issues and Administration
Topic: Notifications not working correctly
Replies: 12
Views: 794

Re: Notifications not working correctly

Did some checking. Yes, someone did reply to your post then deleted it, which explains why you got a notification then saw no replies. On the other issue regarding email vs notifications, in the current version of the forum software (phpBB) you can have both or you can have just notifications, but y...
by prudent
Tue Apr 18, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: DonorsChoose and IRS rules regarding earmarked gifts
Replies: 2
Views: 238

Re: DonorsChoose and IRS rules regarding earmarked gifts

The contributions would still be deductible if you made them directly to the school because they are not intended to benefit a specific person. You can give to specific projects of a non-profit organization, such as a building fund. You could not deduct your donation if it were directed to a specif...
by prudent
Tue Apr 18, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5712

Re: Are people aware that Verizon email is being terminated?

I was able to use the same password I had before.
by prudent
Tue Apr 18, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5712

Re: Are people aware that Verizon email is being terminated?

I use Thunderbird. I imagine Apple Mail would require the same kind of configuration to work so you might find it works just fine after you complete the information on the AOL site to get it set up.
by prudent
Tue Apr 18, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with pension info
Replies: 9
Views: 405

Re: Help with pension info

OP, are you sure this is actually a pension (defined benefit) plan vs a defined contribution plan? Generally speaking, there are very few companies that offer pension plans anymore, and if this one does, I wouldn't plan on it being around by the time you retire. OP, this is a very critical differen...
by prudent
Tue Apr 18, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5230

Re: How to make best use of lunch with the company president/CEO?

I'm in the "it depends" camp - the type of CEO and his/her personality will probably determine a course of action. I would only come prepared with what I would answer if directly asked things like "where could we do better", or "what's the biggest impediment in your daily ac...
by prudent
Tue Apr 18, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: take pension or not..Help?
Replies: 12
Views: 1506

Re: take pension or not..Help?

Topic moved to Personal Finance (Not Investing).
by prudent
Tue Apr 18, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2491

Re: How to be a good parent to an introverted kid

This thread has run its course and is locked (relationship issue). See: Acceptable Topics and Subforum Guidelines This is an investing and personal finance forum. We also maintain a subforum that allow our members to discuss consumer goods and services and recreational activities. Anything else is ...
by prudent
Mon Apr 17, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 11
Views: 1045

Re: Employer Being "Bought Out" By Another Company

The results could be all over the place. On one end of the spectrum, maybe nothing changes except a logo. On the other end, possibly total house-cleaning + massive re-organization + all new policies/procedures. I worked for a place that was bought out 3 times in 20 years and all that happened was a ...
by prudent
Mon Apr 17, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Just for Fun... Let's Pick a Daily Over / Under
Replies: 9
Views: 1134

Re: Just for Fun... Let's Pick a Daily Over / Under

Topic is locked, not personal or actionable.
by prudent
Sat Apr 15, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 1859

Re: How does family of 4 spend $1,500/mo on groceries?

Topic is locked (not personal or actionable). 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 type ◾discussions of the c...
by prudent
Thu Apr 13, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1741

Re: Working without an office - Strategy

If I wasn't needed in the field, I'd go into the office. If there's no place for me to work, I would tell my manager I can't work due to no space and make it the manager's problem. If he wants to make it my problem, I'd say I'll go work from home to solve it. If I can't stay and work, and I can't go...
by prudent
Thu Apr 13, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Unbelievable!! you can buy organic food with food stamps?
Replies: 1
Views: 978

Re: Unbelievable!! you can buy organic food with food stamps?

Topic is locked, not personal or actionable.

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.
by prudent
Thu Apr 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 897

Re: Dollar Savings Direct - 1.25% Savings

Topic moved to Personal Finance (Not Investing).
by prudent
Wed Apr 12, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5712

Re: Are people aware that Verizon email is being terminated?

Got my notice from VZ yesterday about converting to AOL. Took less than 10 minutes and never had to touch my third-party email program settings. Logged into my email from the AOL site and everything is there. A lot less painful than I imagined.
by prudent
Tue Apr 11, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: That second Visa card
Replies: 25
Views: 1894

Re: That second Visa card

Important to distinguish processing networks (Visa, MasterCard, Discover, American Express) from card issuers (like Capital One). There are a few (very few) places that only accept cards from one processor. So if I had a Visa, I'd probably get a MasterCard as a second card. But it doesn't matter wha...
by prudent
Tue Apr 11, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Yale Endowment Blasts Low-Fee Critics, Says Gains Would Lag
Replies: 30
Views: 3359

Re: Yale Endowment Blasts Low-Fee Critics, Says Gains Would Lag

Well, good for Yale. Given the massive size of their endowment fund, I think we can assume it is paying some comparatively low fees for active management. And it has the benefit of being able to shrug off even long-term declines since they can raise prices any time they want to compensate. It can al...
by prudent
Tue Apr 11, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Terminal diagnosis. Single parent. Plan for child.
Replies: 11
Views: 2316

Re: Terminal diagnosis. Single parent. Plan for child.

Topic is locked (hypothetical scenario). Topics must be personal and actionable. Hypothetical situations do not meet that standard.
by prudent
Tue Apr 11, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand 0% APR Credit Card Offers - Is it a good loan option?
Replies: 21
Views: 1648

Re: Help me understand 0% APR Credit Card Offers - Is it a good loan option?

Credit cards are heavily regulated. All the offers I have received have CLEARLY explained the contract in the fine print. One must read the fine print in order to understand the contract. I have used 0%-interest, 0%-fee offers several times without issues. But some fine print which you can read in ...
by prudent
Tue Apr 11, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1849

Re: Combatting mosquitoes traveling in S. America

When our church sent a team to Haiti most people brought a mosquito net for their bed then left them there for residents to use in the future. Even so a few contracted the Chikungunya virus and two are still suffering periodic joint pain a couple years later. I would take every possible precaution.
by prudent
Mon Apr 10, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best place to setup a will
Replies: 42
Views: 3580

Re: Best place to setup a will

Topic moved to Personal Finance (Not Investing).
by prudent
Sat Apr 08, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: tax's [When are they due]
Replies: 5
Views: 848

Re: tax's

Yes. Postmarked by the 18th.
by prudent
Sat Apr 08, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Free FICO score?
Replies: 16
Views: 1050

Re: Free FICO score?

I didn't realize AMEX provided one. I looked at it for the first time - but it doesn't explain what the range is (I assume zero is the bottom -- what is the top?). Mine was 836 which seems good based on their rating. Since the number is three digits, is it fair to assume the top is 1,000? Amex supp...
by prudent
Sat Apr 08, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Car door lock problem
Replies: 11
Views: 689

Re: Car door lock problem

Topic moved to Personal Consumer Issues.
by prudent
Fri Apr 07, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 4972

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Topic moved to Investing - Theory, News & General.
by prudent
Wed Apr 05, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 3553

Re: How best to handle disrespectful employee?

Is it really a plus that he blows away his sales targets if he does it by over-promising and over-selling? Does your boss only care about the sales, while ignoring the collateral fallout from his other problems?
by prudent
Wed Apr 05, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 1770

Re: How to remove DELINQUENCY from credit report?

IMO the best place for advice on removing negative information from a credit report is the creditboards.com credit forum.

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