Search found 3154 matches

by prudent
Fri Jun 22, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 21
Views: 1269

Re: Am I wasting money on my old car?

I agree that much-improved safety is a great reason to ditch a 20-year-old car. Also consider that repairs on a car that old are not going to affect the car's value. We once had done major repairs on a 15-year-old car that was still under 100k miles and very solid - it just needed some work that a c...
by prudent
Fri Jun 22, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: family histories
Replies: 1
Views: 286

Re: family histories

This thread is locked (below threshold for Personal Consumer Issues). See: Personal Consumer Issues
Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums...
by prudent
Thu Jun 21, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1371

Re: Early retirement myth

This thread has run its course and is locked (general rant, not actionable).
by prudent
Thu Jun 21, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Valuing an extended powertrain plan
Replies: 2
Views: 215

Re: Valuing an extended powertrain plan

A quick look seems to indicate Ford-issued extended warranties only go to 8 years. So this is probably the dealer's own plan or a third-party company. I wouldn't buy either one. Like the above post noted, you can't count on them being around if you need them. And I wouldn't want a warranty that mean...
by prudent
Wed Jun 20, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 13
Views: 1173

Re: Gifting trip for inlaws

We had a somewhat similar situation for a parents' milestone anniversary some years ago. Parents were not that comfortable traveling due to fear of the unknown related to the "hows" of traveling ("What do we do if the hotel says they don't have a room for us?") . Ended up buying them a week-long tri...
by prudent
Wed Jun 20, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4027

Re: Shorting Amazon

I removed a number of off-topic posts and comments about other companies that were derailing the topic. Please limit comments to Amazon to allow the thread to continue.

Also moved topic to Investing - Help with Personal Investments
by prudent
Tue Jun 19, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 25
Views: 2964

Re: Can I break the tape in 5 years?????

turkman, welcome!

What will you be getting from Social Security?
by prudent
Mon Jun 18, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What is the largest charitable action you have performed in your life?
Replies: 10
Views: 803

Re: What is the largest charitable action you have performed in your life?

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
Fri Jun 15, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: RMD Law Alterations?
Replies: 1
Views: 374

Re: RMD Law Alterations?

This thread is locked. Speculation about future legislation is prohibited by forum policy, see: Unacceptable Topics 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 ru...
by prudent
Thu Jun 14, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help me with my FIL and an Insurance investment for my child
Replies: 11
Views: 814

Re: Help me with my FIL and an Insurance investment for my child

Topic moved to Investing - Help with Personal Investments.
by prudent
Wed Jun 13, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus - Is this different?
Replies: 8
Views: 693

Re: Bank Bonus - Is this different?

So if the bank gives you a kick back, they are essentially give you interest. I did not know banks did this. I wonder what their motivation is. I assume somehow they benefit by you using a debit card. Just as with credit card bonuses, debit card bonuses are offered because they hope you'll get in t...
by prudent
Wed Jun 13, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus - Is this different?
Replies: 8
Views: 693

Re: Bank Bonus - Is this different?

My understanding is that bank bonuses are taxable since they will report the bonuses on 1099 forms. Credit card bonuses are considered a "rebate" and are not taxable - there's no 1099 issued.
by prudent
Tue Jun 12, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Can anyone help me with a 1960's music trivia question
Replies: 5
Views: 757

Re: Can anyone help me with a 1960's music trivia question

This thread has run its course and is locked (trivia questions are below acceptable threshold). See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless,...
by prudent
Sun Jun 03, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10357

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

I use Thunderbird on Windows 7, working fine to download Verizon email after the transition to AOL.
by prudent
Sat Jun 02, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6717

Re: General Electric

Let's keep replies on topic, please.
by prudent
Sat Jun 02, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about accumulating funds
Replies: 13
Views: 1139

Re: Confused about accumulating funds

Topic moved to Investing - Help with Personal Investments.
by prudent
Sat Jun 02, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 3961

Re: Friends with an EJ Advisor

Agree that clear and direct is the way to go because you'll be happier as soon as he stops pursuing your business. "I'm very satisfied with how my investment plan is going and there's no chance I would use an advisor. I'm not going to take up a seat at the dinner knowing I won't ever become a custom...
by prudent
Fri Jun 01, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Best comprehensive Larry Swedroe book?
Replies: 23
Views: 1310

Re: Best comprehensive Larry Swedroe book?

Topic is locked for moderator review.
by prudent
Thu May 31, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4103

Re: steel cut oats in bulk

You could ask your supermarket manager what they would charge you for a case. Might be worth it. A case that a supermarket would buy is probably larger than the "consumer" case of 4 bags.
by prudent
Thu May 31, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Should I shift bond allocation from F Fund to G Fund?
Replies: 15
Views: 1060

Re: Should I shift bond allocation from F Fund to G Fund?

UCAN2 wrote:
Thu May 31, 2018 11:01 am
Good morning!
I am new. Can you please tell me specifically which Vanguard fund is the G bond fund?
Thanks
Welcome! The G fund is one of the options available through the Thrift Savings Plan (TSP) and it's not a Vanguard fund. Only US government employees can invest in the TSP.
by prudent
Wed May 30, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12444

Re: Have $3m at 33, "approach to career" advice needed

Bump for new member since the post approval was delayed.
by prudent
Wed May 30, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4078

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

Do you know what the split of your gains is from real estate vs equities?
by prudent
Tue May 29, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6717

Re: General Electric

If the root of GE's problem is their internal culture, to me that's a red flag. Company culture at higher levels is difficult to change. I remember when the redoubtable Jack Welch was at the helm and decided they should axe the lowest 10% of employees based on yearly ratings. Our company picked up 3...
by prudent
Thu May 24, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4091

Re: Buy this home?

Topic moved to Personal Finance (Not Investing).
by prudent
Wed May 23, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2609

Re: Quicken - Do you use it?

Been using it since Quicken version 4, 24 years. I actually started with a shareware program called CashTrac even before that in 1990 then converted to Quicken. Quicken's not perfect and has some annoyances that have been mentioned, but the benefits far outweigh the aggravations for me. One thing I ...
by prudent
Tue May 22, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where Should I Invest 3k in Taxable Account? 100% VTSMX?
Replies: 11
Views: 1274

Re: Where Should I Invest 3k in Taxable Account? 100% VTSMX?

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue May 22, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1504

Re: Difficulty with Parents-In-Law

Topic is locked (topic exhausted).
by prudent
Mon May 21, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Almost half of US families can't afford basics like rent and food
Replies: 19
Views: 1705

Re: Almost half of US families can't afford basics like rent and food

This thread has run its course and is locked (not personal). 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 consid...
by prudent
Mon May 21, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12224

Re: done with Gmail

Topic moved to Personal Consumer Issues.
by prudent
Thu May 17, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2693

Re: What would you do? takes 6 months to fix a Tesla Model S

Some off-topic posts were removed. As a reminder, see: General Etiquette This is a moderated forum. We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. At all times we must conduct ourselves in a respe...
by prudent
Mon May 14, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 2927

Re: Infrared Sauna at home

Due to the ongoing off-topic posts regarding medical advice, the thread will remain locked.
by prudent
Tue May 08, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3703

Re: Why do so many Americans not own stocks?

This thread has run its course and is locked (shortcomings of others). See: 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 p...
by prudent
Mon May 07, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit card payment allocation?
Replies: 7
Views: 934

Re: Credit card payment allocation?

Here is a link to what the law requires regarding how payments are applied.
https://www.nerdwallet.com/blog/credit- ... llocation/
by prudent
Sat May 05, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: One space or two ...
Replies: 18
Views: 1503

Re: One space or two ...

This thread has run its course and is locked. See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless, divisive or mean-spirited posts or topics may be ...
by prudent
Thu May 03, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Thoughts And Other General Questions
Replies: 5
Views: 453

Re: Asset Allocation Thoughts And Other General Questions

Bump for new member, post approval was delayed.
by prudent
Tue May 01, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Device or app to find road gradient while biking?
Replies: 18
Views: 1216

Re: Horizontal Level Acceleration & Heisenberg Principle

Topic is locked, below threshold for Personal Consumer Issues.

After clarifying the OP's question, the thread is now unlocked.
by prudent
Mon Apr 30, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: First credit card
Replies: 21
Views: 1262

Re: First credit card

Someone with a thin (if even existent) credit history ought not to apply for a bunch of cards right away. Take a student offer first (good approval chances), then after 6-12 months of employment, or if he is solicited to apply, apply for one where he banks (again, good approval chances). Once some h...
by prudent
Fri Apr 27, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: 300k vs 500k house?
Replies: 32
Views: 4578

Re: 300k vs 500k house?

Topic moved to Personal Finance (Not Investing).
by prudent
Fri Apr 27, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: New 401K funds - help me understand costs
Replies: 5
Views: 493

Re: New 401K funds - help me understand costs

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Apr 27, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Calculating Average Share Price - account for previous sales?
Replies: 4
Views: 421

Re: Calculating Average Share Price - account for previous sales?

Topic moved to Investing - Help with Personal Investments.
by prudent
Mon Apr 23, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: One of the many reasons healthcare cost is so high
Replies: 4
Views: 1016

Re: One of the many reasons healthcare cost is so high

Topic is locked (complaints are off-topic). See: Personal Finance
Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed.
by prudent
Mon Apr 23, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 90
Views: 5731

Re: AAA? What to do in car emergencies?

What keeps me as an AAA member is the solid road service that you hope to never need. Last year I got a flat on the way to work at 5:30 AM just outside downtown. 5 degrees and windy, 3 inches of snow on the ground and still coming down. I figured even with AAA I was going to be sitting for a while. ...
by prudent
Fri Apr 20, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?
Replies: 12
Views: 1281

Re: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?

I have used the usps.gov site over a dozen times to institute a "mail hold" with start and end dates (from their home page, go under Track and Manage) and it allows you to choose whether to have your held mail delivered after the end date, OR to pick up your held mail at the post office. I always ch...
by prudent
Fri Apr 20, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1334

Re: How to ask town to build a sidewalk?

Topic moved to Personal Consumer Issues.
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: 1454

Re: Age 30 how are we doing

Topic moved to Investing - Help with Personal Investments.