Search found 2560 matches

by prudent
Mon Feb 27, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 957

Re: Obamacare/ACA and Early Retirement

Topic is locked - speculating about future legislation is off-topic. See the forum policy regarding 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 ...
by prudent
Thu Feb 23, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Stay in cash until rates rise?
Replies: 27
Views: 2410

Re: Stay in cash until rates rise?

Topic moved to Investing - Help with Personal Investments
by prudent
Thu Feb 23, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 1188

Re: Credit card limits

I have intentionally applied for cards that are known to give high limits because that makes it easier to get high limits from other banks. I do it to keep my utilization percentage low. The fraud potential doesn't bother me - that's the bank's problem if it ever happens (never has). Across all card...
by prudent
Wed Feb 22, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 1451

Re: Getting the snip: Should it be me or my partner?

Topic is locked (medical advice).
by prudent
Wed Feb 22, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Safe harbor paid in company stock?
Replies: 8
Views: 449

Re: Safe harbor paid in company stock?

Topic moved to Personal Finance (Not Investing).
by prudent
Wed Feb 22, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 2882

Re: Help Please, My Identity is at Risk

Topic moved to Personal Consumer Issues.
by prudent
Tue Feb 21, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: 26(f)
Replies: 1
Views: 198

Re: 26(f)

Here's a link to a recent thread: viewtopic.php?t=207136
by prudent
Mon Feb 20, 2017 9:56 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 2869

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Congratulations on reaching a double digit age. What a long strange trip it's been. Thank you to those who took on this labor of love and turned it into a REALLY BIG DEAL: tashina at the very start; Mel, Taylor, Alex and Larry in short order; and countless others since. I check in very rarely these...
by prudent
Mon Feb 20, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20268

Re: Wow, Vanguard Flagship service is bad. Really bad.

I'm a Flagship customer, but I don't believe I'm Flagship Select. How would I know? I don't need the hand-holding but it does say Select has access to closed funds and some Institutional Shares... https://investor.vanguard.com/wealth-management/ How does one know what level Flagship they are? Altho...
by prudent
Sun Feb 19, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: VGK, VPL, VWO, & VSS vs VXUS?
Replies: 9
Views: 724

Re: VGK, VPL, VWO, & VSS vs VXUS?

Please edit your post above (using the pencil icon in the upper right corner of your post) to include the names of the funds. Most people will not take the time to look them up in order to comment.
by prudent
Sat Feb 18, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Pre paid credit cards
Replies: 10
Views: 512

Re: Pre paid credit cards

Our company does that also. The Terms & Conditions that come with the card explicitly state it cannot be used to withdraw cash. So I use it for groceries and gas until it's gone. That's money I would have to have spent anyway.
by prudent
Sat Feb 18, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: best type boat for FL Keys - need help from conchs
Replies: 12
Views: 1618

Re: best type boat for FL Keys - need help from conchs

Topic moved to Personal Consumer Issues.
by prudent
Sat Feb 18, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Good time to buy bonds?
Replies: 8
Views: 1094

Re: Good time to buy bonds?

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Feb 17, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have experience with Fidelity BrokerageLink?
Replies: 14
Views: 454

Re: Does anyone have experience with Fidelity BrokerageLink?

Don't want to hijack the thread but which funds are commission free? I have heard ishares funds and etfs and commission free on brokeragelink but would like a comprehensive list so I can see what my options are. I would call your 401k provider and ask for details - I would not assume there is a one...
by prudent
Fri Feb 17, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3613

Re: Vanguard Web Site Down?

Merged another thread on the same topic into here.
by prudent
Fri Feb 17, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a family member into retirement
Replies: 15
Views: 1692

Re: Helping a family member into retirement

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Feb 17, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: credit card usage / credit score
Replies: 17
Views: 1044

Re: credit card usage / credit score

I read a comment somewhere in the bogleheads forum to the effect that paying the balance before the due date results in the bank reporting a balance of 0 to the credit agencies. That, in turn reduces our reported utilization rate. Is that assertion true? If you pay your balance before the statement...
by prudent
Thu Feb 16, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 2759

Re: Gold vs 401k

28% tax? I don't follow. If I sell gold, I have to report it and pay taxes? The income tax is 28% on the profit, if held longer than a year. If held less than a year, the profit is taxed as ordinary income. If holding a gold/silver ETF that is backed by bullion, profits are also taxed the same as i...
by prudent
Wed Feb 15, 2017 5:00 pm
Forum: Forum Issues and Administration
Topic: Post approved but not showing
Replies: 2
Views: 193

Re: Post approved but not showing

AnnHW, please check your private messages.
by prudent
Wed Feb 15, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Ditched the Avalon! Now in the market for crv!
Replies: 5
Views: 940

Re: Ditched the Avalon! Now in the market for crv!

Topic moved to Personal Consumer Issues.
by prudent
Wed Feb 15, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 2759

Re: Gold vs 401k

I know a lot of gold bugs and they have a tendency to look at things through rose-colored glasses. After watching the video, a few thoughts came to mind. 1. You can't just look at changes in the S&P 500 over time without including dividends . If you include reinvested dividends (which is what mo...
by prudent
Wed Feb 15, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1067

Re: Visiting Downtown Denver in late March without car.

When we were in Denver we rode the heck out of that free 16th St. Bus. That and a little walking worked great for us.

If you are going to drive out of the city, and weather permitting, consider heading over to Colorado Springs and check out Red Rock Canyon - surreal landscape, lots of trails.
by prudent
Tue Feb 14, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Cannot reply to PMs
Replies: 5
Views: 393

Re: Cannot reply to PMs

Topic moved to Forum Issues and Administration.
by prudent
Tue Feb 14, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: RMD extra funds
Replies: 2
Views: 237

Re: RMD extra funds

Topic is locked (speculating on future legislation). Note that such topics are 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: ...
by prudent
Tue Feb 14, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio - thoughts?
Replies: 9
Views: 570

Re: My portfolio - thoughts?

Welcome to bogleheads!

Please edit your post (using the "pencil" icon in the upper right corner of your post) to include the names of the funds/ETFs.
by prudent
Mon Feb 13, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Switching portfolio - 3-fund with slight tilt to Larry Porfolio
Replies: 16
Views: 1436

Re: Switching portfolio - 3-fund with slight tilt to Larry Porfolio

Topic moved to Investing - Help with Personal Investments
by prudent
Sat Feb 11, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What triggers a wave of credit offers?
Replies: 8
Views: 995

Re: What triggers a wave of credit offers?

Have you bought something online, subscribed to a periodical, perhaps made a donation to an organization? Those kinds of things can get your name in front of institutions who might consider you a prospect.
by prudent
Wed Feb 08, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Not a member using Costco Cash Card
Replies: 5
Views: 567

Re: Not a member using Costco Cash Card

Topic is locked, not actionable.
by prudent
Sun Feb 05, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: Financial Fortitude radio show
Replies: 7
Views: 698

Re: Financial Fortitude radio show

Investment Management Retirement Management Tax Related Strategies Value-Added Services Asset Protection Structures Unique Hybrid Strategies Hybrid Multi-Asset Funds Non-Correlated Diversification Principal Protected Funds Hybrid Indexed Annuities Direct Participation Real Estate (DPRE) Investment ...
by prudent
Sun Feb 05, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 2637

Re: Inheritance in coins

They are Gold/silver buillion coins and yes, they are valued at 40,000 per probate lawyers records. And yes, I do know of a location that buys them for spot price and no commission charge. So, my question is whether to leave some in coin form or to cash it in for investment such as index mutual fun...
by prudent
Sun Feb 05, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 2637

Re: Inheritance in coins

PoppyA wrote:$40,00 in face value, or by weight, or are they numismatic (collectible)?


This is a critical question - are they numismatic coins or gold/silver bullion coins?
by prudent
Fri Feb 03, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Banks that will allow export to Excel or csv file of tx history
Replies: 3
Views: 327

Re: Banks that will allow export to Excel or csv file of tx history

You can run reports of transactions in Quicken and copy them to the clipboard in Excel-compatible format, or save them in a tab-delimited text file that will open in Excel. (In fact I believe you can do this with any report in Quicken - Net worth, Spending by category...)
by prudent
Wed Feb 01, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score odd question
Replies: 21
Views: 1358

Re: Credit score odd question

Are you saying that your two late payments are on relatively new accounts? That's very likely having a bigger impact on your score than the history that has aged off your report.
by prudent
Wed Feb 01, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Ahoy mates! Big thanks!
Replies: 5
Views: 835

Re: Ahoy mates! Big thanks!

Kudos on your progress! It's always great to see follow-up posts.
by prudent
Tue Jan 31, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: AAPL stock
Replies: 4
Views: 644

Re: AAPL stock

AAPL is about 2.5% of Vanguard Total Stock Market (VTSAX), so a 2% jump in AAPL would mean a 0.05% increase to VTSAX, or about 3 cents.
by prudent
Mon Jan 30, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Would you put 1 million dollars in ONE credit union...
Replies: 17
Views: 2986

Re: Would you put 1 million dollars in ONE credit union...

If I was 100% sure everything was covered by NCUA, I wouldn't have a problem with it. But I would check the CU's financial health first at Bauer Financial - http://www.bauerfinancial.com/btc_ratings.asp?q=cu - just for additional peace of mind.
by prudent
Sat Jan 28, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Market Timing question
Replies: 12
Views: 923

Re: Market Timing question

I don't change anything from my plan based on what I think might happen. I rebalance when my plan calls for it. Remember, if you change something because you think a short-term move is going to happen, you also have to know when to change it again when the short-term move is over. I know I'm not tha...
by prudent
Fri Jan 27, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: What sort of doctor specialty should I see?
Replies: 4
Views: 633

Re: What sort of doctor specialty should I see?

Topic is locked as medical advice is off-topic.
by prudent
Fri Jan 27, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 675
Views: 18302

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

This contest and it's predecessors are now the subject of a wiki article, see Bogleheads® contests.
by prudent
Fri Jan 27, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Speed Queen
Replies: 10
Views: 1420

Re: Speed Queen

There are only a few different models and from looking at their site it appears they all have an agitator.
by prudent
Fri Jan 27, 2017 5:56 am
Forum: Investing - Help with Personal Investments
Topic: VALIC gouges investors with high fees
Replies: 1
Views: 533

Re: VALIC gouges investors with high fees

Topic is locked, not personal or actionable.
by prudent
Thu Jan 26, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to stop working overtime?
Replies: 56
Views: 4455

Re: Can I afford to stop working overtime?

Topic is locked (exhausted).
by prudent
Thu Jan 26, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Paying off child education loan before retirement
Replies: 27
Views: 1642

Re: stop 401k deferrals to pay down child's college loan

Topic is locked. Please refer to the other topic at viewtopic.php?f=1&t=209169 .
by prudent
Wed Jan 25, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Can't post about Taylor's BD here, but we can here...
Replies: 1
Views: 607

Re: Can't post about Taylor's BD here, but we can here...

Topic is locked, please refer to the link in the OP.
by prudent
Tue Jan 24, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11282

Re: Best Places to Live in US?

Topic moved to Personal Consumer Issues.
by prudent
Sat Jan 21, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone file "decline in value" for property taxes? Advice?
Replies: 26
Views: 1821

Re: Anyone file "decline in value" for property taxes? Advice?

Our county lists the properties that they themselves used as comps. So I researched those properties and went to the appeal with information and photos (thanks, Google satellite view!) that tried to support my claim that each of them in some way were better than mine. One had the same size lot but t...
by prudent
Sat Jan 21, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Anyone tried Cenegenics?
Replies: 5
Views: 798

Re: Anyone tried Cenegenics?

Topic is locked, as medical advice is beyond the scope of forum policies.

Forum policy 4c:
Questions on medical issues are beyond the scope of the forum.

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