Search found 3105 matches

by prudent
Wed Apr 18, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Age 30 how are we doing
Replies: 5
Views: 1157

Re: Age 30 how are we doing

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Apr 17, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1070

Re: Please suggest a file folder type

Are 3-ring binders an option?
by prudent
Fri Apr 13, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 405

Re: IRA Trans to VG,90% CASH

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Apr 13, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14555

Re: Ally online savings now at 1.45%

I removed a number of off-topic posts. After review, the posts have been restored. Please stay on topic (Ally savings now at 1.45%).
by prudent
Thu Apr 12, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 3836

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Thread is locked because members cannot stay on topic (derailed). Multiple off-topic posts have been removed.
by prudent
Thu Apr 12, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5536

Re: Could you support family on 1 income?

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own s...
by prudent
Tue Apr 10, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4346

Re: Handling ageism in tech

The problem is that, as we mature, we typically make more money. The folks who pay the salaries want to get the job done as cost effectively as possible. The key to staying employed as we get older is to figure out ways to be worth the increasing salary they’re paying you. I once worked at a place ...
by prudent
Mon Apr 09, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4346

Re: Handling ageism in tech

What does "tech" mean? Programming? Hardware design? System engineering? Program management? It seems the most complaints of age discrimination come from the programming fields. I suspect this is because if you are "just a programmer" in upper management's eyes you are easy to substitute for a lowe...
by prudent
Wed Apr 04, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Executor Dilemma - Disposition of Gold Assets
Replies: 10
Views: 1143

Re: Executor Dilemma - Disposition of Gold Assets

In general there are two "types" of gold coins. (I'm oversimplifying a bit though) 1. Numismatic (or "collectible") gold - these are gold coins where the value is determined by a combination of: year of manufacture/condition/rarity/desirability. Generally they do not state how much gold the coin con...
by prudent
Tue Apr 03, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Is Bedrock SS Analyzer site not working anymore?
Replies: 3
Views: 533

Re: Is Bedrock SS Analyzer site not working anymore?

Yes, looks like they are now called United Capital. As FiveK noted, there is a reference to SS Analyze way down on this page http://www.unitedcp.com/ca12/ on their site but no link to it. By clicking on the link to the SS Analyze tool below you will leave our web site and assume total responsibility...
by prudent
Tue Apr 03, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Expensive gift that I don't want
Replies: 7
Views: 1044

Re: Expensive gift that I don't want

Topic is locked (off-topic; relationship issue). As a reminder, 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 con...
by prudent
Mon Apr 02, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Does agent get paid if property taken by eminent domain?
Replies: 13
Views: 1809

Re: Does agent get paid if property taken by eminent domain?

Topic moved to Personal Consumer Issues.
by prudent
Sat Mar 31, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4047

Re: Tired of gas grills rusting out...

Our propane Weber is 18 years old. Northeast winters, always with a cover. The burners finally gave out 2 years ago, cost about $30 to replace. The covers last about 5-6 years before the sun fossilizes them.
by prudent
Fri Mar 30, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 2835

Re: New laptop purchase decision

Topic moved to Personal Consumer Issues.
by prudent
Thu Mar 29, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6425

Re: Question for physicians-- is my taking call worth it?

Topic is locked for moderator review.
by prudent
Mon Mar 26, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Kiplingers Retirement Report
Replies: 17
Views: 3318

Re: Kiplingers Retirement Report

Note that there is a difference between Kiplinger's magazine and the Kiplinger Retirement Report, which is what the OP is asking about. The sample KRR I received awhile ago had no advertising.
by prudent
Sun Mar 25, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Kiplingers Retirement Report
Replies: 17
Views: 3318

Re: Kiplingers Retirement Report

I've never subscribed but if you sign up and decide you don't like it you can get a 100% refund.
by prudent
Sat Mar 24, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 54
Views: 5875

Re: discretionary spending per month

I don't see food/groceries as discretionary at all. I consider food/groceries, shopping, clothes, eating out, movies, sundries and such as fixed expenses (with an ample safety cushion) and are inflationary indexed in the budget. Travel is a fixed monthly set aside to accumulate for future expenses....
by prudent
Fri Mar 23, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 29
Views: 2058

Re: Coffee maker recommendations

Topic moved to Personal Consumer Issues.
by prudent
Thu Mar 22, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 171
Views: 18924

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

He probably figured since you said it was a deal-breaker, and you provided evidence the problem is real, there was no need to respond.
by prudent
Tue Mar 20, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance Investments
Replies: 11
Views: 1413

Re: Inheritance Investments

So you'll have 3 different accounts, I assume. Each will have its own defined asset allocation. There's no one right answer but I'll offer what I would do if I was in your role. The 5-year plan should be quite conservative with an emphasis on capital preservation, as I feel in the role as trustee th...
by prudent
Tue Mar 20, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Did not file tax for trust for 2016
Replies: 4
Views: 270

Re: Did not file tax for trust for 2016

Here's a summary for who must file a tax return (for 2016). https://www.forbes.com/sites/kellyphill ... n-in-2016/ .
by prudent
Tue Mar 20, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Personal capital returns: 35% a year?
Replies: 11
Views: 2046

Re: Personal capital returns: 35% a year?

Any chance they were adding new money which they count towards that growth? I've seen people do that before. The old Beardstown Ladies oopsie.
by prudent
Tue Mar 20, 2018 7:59 am
Forum: Local Chapters and Bogleheads Community
Topic: PrinciPAL not princiPLE !!!
Replies: 2
Views: 568

Re: PrinciPAL not princiPLE !!!

Now that it's off your chest, we can lock this (non-actionable rant).
by prudent
Sat Mar 17, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Why am I allowed to pick Vanguard Admiral Shares in my new 403(b) when it has $0 instead of $10,000?
Replies: 15
Views: 1810

Re: Why am I allowed to pick Vanguard Admiral Shares in my new 403(b) when it has $0 instead of $10,000?

The 403(b) plan has negotiated the ability to offer Admiral to plan members. You'll see the same thing with some 401k plans where they offer institutional class funds ($1 million minimum investment or more) to participants.
by prudent
Sat Mar 17, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: 20% of US population are millionaires !!!
Replies: 16
Views: 2545

Re: 20% of US population are millionaires !!!

Topic is locked (not personal, not actionable).
by prudent
Thu Mar 15, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Stephen Hawking - how would he have fared in America
Replies: 9
Views: 1651

Re: Stephen Hawking - how would he have fared in America

Topic is locked, hypothetical and not actionable.
by prudent
Wed Mar 14, 2018 6:14 pm
Forum: Forum Issues and Administration
Topic: Can you add attachments to posts?
Replies: 4
Views: 563

Re: Can you add attachments to posts?

Topic moved to Forum Issues and Administration.
by prudent
Wed Mar 14, 2018 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Hashgraph
Replies: 2
Views: 536

Re: Hashgraph

Topic is locked (not investing related).
by prudent
Fri Mar 09, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance Investments
Replies: 11
Views: 1413

Re: Inheritance Investments

I'm having a little trouble understanding the situation. Are there three different people who inherited money but you are investing it for them?
by prudent
Thu Mar 08, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18270

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Regarding questions about making the conference bigger, Mel Lindauer posted this after last year's conference. Subject: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT Obviously we could sell out a much larger venue, but we prefer a smaller group (200) where attendees get a chance to interact with Jack Bogl...
by prudent
Wed Mar 07, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401K refunded due to failure of the IRS 125 tests
Replies: 35
Views: 3378

Re: 401K refunded due to failure of the IRS 125 tests

Please avoid political comments regarding the IRS rules. Dealing with the best way to manage the refunded amount is on topic.
by prudent
Wed Mar 07, 2018 7:00 pm
Forum: Forum Issues and Administration
Topic: How long does it take to get posts approved
Replies: 4
Views: 552

Re: How long does it take to get posts approved

The moderation team is all volunteer and there are times when post approvals could take a little time. Your posts were approved a few minutes ago. Your future posts do not require approval and will post immediately.
by prudent
Wed Mar 07, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 2954

Re: Switching to online bank. Keep brick/mortar bank account open?

We keep both online and B&M for a couple reasons: - to be able to withdraw/deposit cash at times - safe deposit box - a place where we can be face-to-face with someone with in case of a problem or when we need a favor (e.g. when someone gives me a check and I want it cashed without any hold) - a ban...
by prudent
Mon Mar 05, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 53
Views: 3432

Re: Colorado Summer Vacation - what to see and where to stay

Are you willing to move around or do you want to stay in one place the entire time?
by prudent
Mon Mar 05, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Checking Account with Categories
Replies: 2
Views: 206

Re: Checking Account with Categories

PNC bank offers "Virtual Wallet" accounts that are something like you describe. You'd have to look at it on their website to see if it would work for you.
by prudent
Fri Mar 02, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: 0% CC as part of EF
Replies: 31
Views: 1764

Re: 0% CC as part of EF

It is also worth pointing out that every single "your HELOC has been cancelled" letter included instructions on how to challenge the cancellation (e.g. by providing evidence of a higher appraisal). Lots of people called their banks and had their HELOC re-opened (possibly with a reduced limit). A co...
by prudent
Fri Mar 02, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: 0% CC as part of EF
Replies: 31
Views: 1764

Re: 0% CC as part of EF

I think it could be one option to consider at the time an EF is needed , but I would not make it part of an EF plan. You don't know if one will be available when the need arises. There were people who needed to use their pre-established HELOC when the Great Recession hit, only to be cut off by the l...
by prudent
Thu Mar 01, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16479

Re: Defining "House Poor"

Topic is locked (topic exhausted).
by prudent
Thu Mar 01, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Wealthfront’s mutual fund spurs industry critiques
Replies: 3
Views: 503

Re: Wealthfront’s mutual fund spurs industry critiques

Topic is locked (naked link, not permitted by forum policy). See General Etiquette: refrain from posting naked links - all links should include an explanation or excerpt unless its meaning is clear from the context Readers want to know if the link is something they should read. Adding a description...
by prudent
Thu Mar 01, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Are B&M banks trying to fail?
Replies: 4
Views: 465

Re: Are B&M banks trying to fail?

Topic is locked (general rant). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own situation. You can also ask on behalf of some...
by prudent
Wed Feb 28, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed After Rear Ended Collision
Replies: 31
Views: 3243

Re: Advice Needed After Rear Ended Collision

Topic moved to Personal Consumer Issues.
by prudent
Wed Feb 28, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 146
Views: 9185

Re: How much cash do you keep at any time on checking?

Topic moved to Personal Finance (Not Investing).
by prudent
Tue Feb 27, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Autoblog now lists the Toyota Camry as 7th worse for depreciation
Replies: 7
Views: 935

Re: Autoblog now lists the Toyota Camry as 7th worse for depreciation

Topic is locked (not actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT - It must be personal . In other words, you must be asking about your own situation. You can also ask on behalf of so...
by prudent
Mon Feb 26, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 6943

Re: Strategies for getting out of a car dealership quickly?

My first thought is that if they know why you're there, they might tell you only Mr. Smith can handle that, and Mr. Smith is out today/with a customer/in a meeting/etc. Then hope you'll get tired of waiting and leave. So if that happens, I'd connect with the salesperson who sold you the car and say ...
by prudent
Mon Feb 26, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 52
Views: 5775

Re: Need $100,000 in 20 years. Help!

I removed a number of off-topic and snarky posts. The OP is entitled to use whatever options are available to him. Replies suggesting there is something wrong with using a program he's eligible for are off-topic.
by prudent
Mon Feb 26, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 1742

Re: What is your credit score?

Topic is locked (not personal, not actionable).
by prudent
Fri Feb 23, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: anonymous financial gift to student / best gift card option
Replies: 54
Views: 2897

Re: anonymous financial gift to student / best gift card option

My thought is if I felt the student was deserving of help, I would simply give a money order along with a note that the funds are intended to assist with school costs (tuition/books/etc.), and trust that the student would honor and respect that. I might also mention in the note some things that show...