Search found 2508 matches

by prudent
Wed Jan 18, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 2354

Re: Never had a credit card, should I get one?

I find no downside to using a credit card. If it gets hacked/stolen/copied/whatever, I still have all my money unlike with a debit card. The cashback rewards are meaningful although not life-changing (probably $1000+/year). I have an advocate if a vendor tries to scam me or simply does not deliver. ...
by prudent
Mon Jan 16, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 16
Views: 1395

Re: Have GEICO auto, asked for quote online, $150 less

I have noticed insurance company ads often state something to the effect of "rates vary depending on how you buy".
by prudent
Sat Jan 14, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: What Consumer Product Needs to be Invented?
Replies: 2
Views: 324

Re: What Consumer Product Needs to be Invented?

Locked for moderator review.
by prudent
Thu Jan 12, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Outliving your savings - pessimistic news
Replies: 21
Views: 3651

Re: Outliving your savings - pessimistic news

Topic is locked, derailed.
by prudent
Mon Jan 09, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 2813

Re: Turned 30! Women's advice for skin care??

Topic moved to Personal Consumer Issues.
by prudent
Sat Jan 07, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Statins
Replies: 1
Views: 750

Re: The True Cost of Statins

This topic is locked, as it involves medical advice. See: Medical Issues in the forum policies: Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I'd like to suggest you start with the Medical Library Association's User's Guide to Findi...
by prudent
Sat Jan 07, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Ally Website and Mobile Banking Down???
Replies: 10
Views: 587

Re: Ally Website and Mobile Banking Down???

Their home page says:
We’re making a few updates.

Certain services like online & mobile banking will be unavailable for an extended duration today due to scheduled maintenance. Please check back with us later.
by prudent
Thu Jan 05, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: changes for inherited IRAs for non-spousal beneficiaries
Replies: 3
Views: 641

Re: changes for inherited IRAs for non-spousal beneficiaries

Topic is locked, discussion of future legislation not permitted by forum policy. Forum policy states: 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 expression...
by prudent
Thu Jan 05, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 5
Views: 467

Re: Portfolio Advice

Bumping for visibility now that fund names and ERs are provided.
by prudent
Wed Jan 04, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Tours Vs. Self-Guided
Replies: 28
Views: 2195

Re: Yellowstone Tours Vs. Self-Guided

Topic moved to Personal Consumer Issues.
by prudent
Tue Jan 03, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 17
Views: 1242

Re: Do you recommend using credit karma's tax product?

Tax free filing is available to folks who use HRBlock tax software with the 10% of refund rebate. The rebate more than pays for our purchase of the software. It's like buying a short-term CD that pays 10%. And it has already been pioneered. Seems too good to be true. If they're rebating you more th...
by prudent
Mon Jan 02, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 5
Views: 467

Re: Portfolio Advice

Welcome to bogleheads. Please edit your post (using the pencil icon in the top right corner of your post) to add the fund names to the ticker symbols.
by prudent
Sat Dec 31, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: 2016 Boglehead Contest Winners
Replies: 22
Views: 2258

Re: 2016 Boglehead Contest Winners

Congrats, Roverdog! Fantastic!
by prudent
Fri Dec 30, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: The history behind US taxation laws
Replies: 2
Views: 377

Re: The history behind US taxation laws

Topic is locked (non-actionable, political). 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. Examples include: - US or world economic, political, tax, health care and climate policies - conspiracy theories...
by prudent
Wed Dec 28, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Medical record mix-up
Replies: 46
Views: 2997

Re: Medical record mix-up

Topic moved to Personal Consumer Issues.
by prudent
Tue Dec 20, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1457

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

Topic is locked (political discussion, speculation on future legislation). Note that forum policy states: 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 expres...
by prudent
Mon Dec 19, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Another dodgy hedge fund. Echoes of Bernie Madoff.
Replies: 10
Views: 2114

Re: Another dodgy hedge fund. Echoes of Bernie Madoff.

Today's WSJ reports the arrest of six executives of Platinum Partners, related to an alleged $1 billion fraud.

Echoes of Madoff, indeed.
by prudent
Sat Dec 17, 2016 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help: Drowning in Debt
Replies: 60
Views: 5767

Re: Need Help: Drowning in Debt

Agreed that you must know where you are spending today in order to be able to identify areas where you can cut back. Your debt load is quite significant but I commend you for the decision to tackle it head-on. If income is not likely to increase, the only other thing to do is cut spending. This coul...
by prudent
Wed Dec 14, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: On-line order, in-store pickup
Replies: 27
Views: 2130

Re: On-line order, in-store pickup

Used Walmart ship-to-store 2 times, worked fine. Did it to avoid paying shipping on the order. It wasn't an item they stock in the store and I knew I would be in Walmart's vicinity when it was ready for pickup.
by prudent
Tue Dec 13, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: JP Morgan Reserve Credit Card
Replies: 22
Views: 2081

Re: JP Morgan Reserve Credit Card

Topic is locked (derailed).
by prudent
Mon Dec 12, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: My mother is 61 years old and has $0 in savings
Replies: 50
Views: 8646

Re: My mother is 61 years old and has $0 in savings

Topic is locked for moderator review.
by prudent
Mon Dec 12, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: 401K - Front Load or Not?
Replies: 4
Views: 517

Re: 401K - Front Load or Not?

Topic moved to Investing - Help with Personal Investments.
by prudent
Sun Dec 11, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited mortgage after death
Replies: 6
Views: 918

Re: Inherited mortgage after death

I'm not aware of any limit but the inheritor must occupy the residence.
by prudent
Sat Dec 10, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 42
Views: 7118

Re: Thoughts on getting out [of job]

Thanks, OP for the thoughtful and detailed update. Very happy to hear things are much better for you!
by prudent
Sat Dec 10, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: "New" or Refurb Rechargeables for Old Tools
Replies: 36
Views: 1839

Re: "New" or Refurb Rechargeables for Old Tools

We've used Voltman batteries (voltmanbatteries.com) twice. Good results, the refurbs had more capacity than the original NiCd. But they don't do Lithium-Ion. You send your old batteries, they rebuild with new cells and return them.
by prudent
Sat Dec 10, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: What site do you prefer for online doc storage?
Replies: 18
Views: 1153

Re: What site do you prefer for online doc storage?

I have a fear that if I used an online service to store files, sometime down the line I'd overlook an email telling me I have 30 days to save the files as they are discontinuing the service. Perhaps the company isn't folding, but they chose to stop offering cloud storage (who knows what technology w...
by prudent
Sat Dec 10, 2016 3:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 8844

Re: Boglehead's newest millionaire

There was an old thread called the "two comma club" that some people would post on when they hit that milestone. You might want to post on that to revive the thread. I think I will do that right now! Thanks. And thanks for the story. I also just want him to know that he did well raising m...
by prudent
Sat Dec 10, 2016 1:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 8844

Re: Boglehead's newest millionaire

Congrats on that meaningful milestone. I would not tell anyone other than my wife - not my father, siblings or even my closest friends. I don't see anything good that could come from it.
by prudent
Thu Dec 08, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Remote Auto Start for truck
Replies: 9
Views: 839

Re: Remote Auto Start for truck

Even if the unit says the range is 500', it's only going to be 500' when you're line-of-sight to the vehicle. If you're using the remote while inside a building, with fluorescent lighting, behind concrete walls, and lots of AC wiring (and a supermarket certainly has all that in spades) between you a...
by prudent
Tue Dec 06, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: confused about HDMI cables
Replies: 18
Views: 1909

Re: confused about HDMI cables

Topic moved to Personal Consumer Issues.
by prudent
Mon Dec 05, 2016 3:07 pm
Forum: Forum Issues and Administration
Topic: viewtopic [setting up and using the viewtopic.php function]
Replies: 6
Views: 645

Re: viewtopic

Topic moved to Forum Issues and Administration.
by prudent
Mon Dec 05, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mistake in Social Security Earnings Amount
Replies: 4
Views: 531

Re: Mistake in Social Security Earnings Amount

If you're looking at your online SS statement ("Earnings Record"), the column "Taxed Social Security Earnings" would show the maximum taxed earnings even if you earned more that year. Are you seeing something different?
by prudent
Mon Dec 05, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Silly FICO Score "Key Factors"
Replies: 7
Views: 724

Re: Silly FICO Score "Key Factors"

Topic is locked (general rant), not actionable.
by prudent
Mon Dec 05, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2242

Re: Shoes for flat-footed over-pronators

Topic moved to Personal Consumer Issues.
by prudent
Sat Dec 03, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Gooligan?
Replies: 6
Views: 646

Re: Gooligan?

Topic moved to Personal Consumer Issues.
by prudent
Sat Dec 03, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 10938

Re: Amazon Prime Getting Stingy?

Topic moved to Personal Consumer Issues.
by prudent
Sat Dec 03, 2016 9:07 am
Forum: Investing - Theory, News & General
Topic: Howard Schultz stepping down [Starbucks CEO]
Replies: 11
Views: 1576

Re: Howard Schultz stepping down [Starbucks CEO]

Topic is locked, not personal or actionable.
by prudent
Fri Dec 02, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: "High risk colonoscopy", cost shift. Any recourse?
Replies: 19
Views: 2785

Re: "High risk colonoscopy", cost shift. Any recourse?

I had to remove a number of posts that were not addressing the question about the finances of the situation. Medical advice is not allowed by forum policy. The thread can remain open if replies stay focused on the question of finances.
by prudent
Tue Nov 29, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Can you help me pick out a new laptop?
Replies: 9
Views: 1179

Re: Can you help me pick out a new laptop?

Topic moved to Personal Consumer Issues.
by prudent
Thu Nov 24, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Quicken 2017 special offer vs Amazon.
Replies: 11
Views: 2271

Re: Quicken 2017 special offer vs Amazon.

1. Unlikely this will be a regular price based on my past observations. 2. Have never tried a PC download via Amazon for an upgrade. 3. Latest Quicken release notes (R3) states there are a number of fixes for high-resolution monitors. See https://www.quicken.com/support/quicken-2017-windows-release-...
by prudent
Tue Nov 22, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Citi Amex Costco credit card problems.....
Replies: 24
Views: 3092

Re: Citi Amex Costco credit card problems.....

Topic moved to Personal Consumer Issues.
by prudent
Mon Nov 21, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Help
Replies: 8
Views: 410

Re: Rebalancing Help

How much leeway does your plan provide for when looking at rebalancing? In other words, does your plan call for rebalancing when you are off target by 2%, or 5%, or 10%, or ?
by prudent
Sat Nov 19, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: how much to save for retirement
Replies: 30
Views: 3819

Re: how much to save for retirement

I think it starts with whatever you feel you need to "live comfortably" which is highly personal. You may live in an expensive area, or one that has a low cost of living - or you may live in an expensive area while working then retire to where it costs less, significantly changing your nee...
by prudent
Fri Nov 18, 2016 3:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3414

Re: Valuethinker has surpassed 30,000 posts

Congrats on the major milestone, Valuethinker, and thanks for all the insights you offer to the community. :)
by prudent
Fri Nov 18, 2016 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Estate tax repeal?
Replies: 1
Views: 459

Re: Estate tax repeal?

Topic is locked (speculating about future legislation). Speculation about future legislation is prohibited by forum policy, see https://www.bogleheads.org/forum/rules: Unacceptable Topics: Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or re...
by prudent
Wed Nov 16, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Phishing/spam purportedly from Bank of America
Replies: 3
Views: 557

Re: Phishing/spam purportedly from Bank of America

Unless there is something highly unusual, scams are off-topic. See: Standard Phishing/Scam Threads are now Off-Topic

(Topic locked.)
by prudent
Tue Nov 15, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: Would the fed have to print money to pay our debts if we couldn't borrow anymore?
Replies: 14
Views: 1145

Re: Would the fed have to print money to pay our debts if we couldn't borrow anymore?

Topic is locked (hypothetical scenario). Topics must be personal and actionable. Hypothetical situations do not meet that standard. From Forum Policies : 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 econo...
by prudent
Tue Nov 15, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice: Heading Home for the Holidays
Replies: 16
Views: 826

Re: Need Advice: Heading Home for the Holidays

Topic locked for moderator review.
by prudent
Tue Nov 15, 2016 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Can someone check my TLH plan ?
Replies: 4
Views: 536

Re: Can someone check my TLH plan ?

Topic moved to Investing - Help with Personal Investments.

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