Search found 2421 matches

by prudent
Wed Sep 28, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Determining effect of 'hard pulls' on credit score?
Replies: 7
Views: 271

Re: Determining effect of 'hard pulls' on credit score?

Are your hard pulls going to be related to applying for a mortgage? Or something else?
by prudent
Wed Sep 28, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Has anyone had any experience using GE suport service
Replies: 6
Views: 276

Re: Has anyone had any experience using GE suport service

Like most repair issues, I suspect that it's not as much the company you deal with, but the specific technician that does the work. I also wonder if GE has their own people doing repairs or simply farm out the work to "authorized service companies" like many do.
by prudent
Tue Sep 27, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance to avoid estate tax?
Replies: 17
Views: 1148

Re: Life insurance to avoid estate tax?

I have a friend who did that back when the estate tax exemption was $1 million, and the tax rate above that was very high, maybe 50%. When the exemption was raised to $5+ million, he didn't need the insurance any more and dropped it. It also involved some type of life insurance trust which owned the...
by prudent
Tue Sep 27, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 120
Views: 5361

Re: Does it matter what type of college one goes to?

Topic moved to Personal Consumer Issues.
by prudent
Tue Sep 27, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: 1 million to add to vanguard
Replies: 57
Views: 4184

Re: 1 million to add to vanguard

Topic moved to Investing - Help with Personal Investments
by prudent
Tue Sep 27, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 2993

Re: Protein Powders

Topic is locked. Medical advice is out-of-scope for this forum.
by prudent
Tue Sep 27, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Managing a windfall: DIY or hire an advisor?
Replies: 53
Views: 4758

Re: Managing a windfall: DIY or hire an advisor?

Just as a datapoint, I moved a trust account from an AUM advisor to a pay-by-the-hour advisor. The new advisor clearly wanted to do an AUM arrangement but I said that was not an option (I had the excuse that I could not justify the cost to the trust beneficiaries). We settled on an arrangement where...
by prudent
Tue Sep 27, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 21
Views: 1108

Re: Computer backup options

I use the free version of Syncback. I can set up "jobs" that copy certain directories to an external drive - but only the files that have been changed since the last time that job was run. (this is called an incremental backup). So I have a complete backup of everything but it only has to ...
by prudent
Tue Sep 27, 2016 5:26 am
Forum: Personal Consumer Issues
Topic: Office headsets
Replies: 13
Views: 988

Re: Office headsets

Makaveli wrote:
prudent wrote:What are you going to connect your headphones to? Your office phone? Your PC?


Phone, PC, iPod, you name it.


Since you want to use it on an office phone plus other devices, I suggest checking hellodirect.com.
by prudent
Mon Sep 26, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Office headsets
Replies: 13
Views: 988

Re: Office headsets

What are you going to connect your headphones to? Your office phone? Your PC?
by prudent
Mon Sep 26, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to become debt free?
Replies: 34
Views: 2667

Re: How to become debt free?

You mention the possibility of a second job since only working part-time now - that would be where I would start. There's no magic to becoming debt-free, they need to understand that. Spend less, and/or earn more, and put the difference towards debt. But someone who won't cut frills like seasonal dé...
by prudent
Sun Sep 25, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Online Periodicals?
Replies: 2
Views: 271

Re: Online Periodicals?

Our little township library has close to 400 periodicals available online through Zinio, although titles do come and go. I don't believe any of them are newspapers though.
by prudent
Sat Sep 24, 2016 8:16 am
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 51
Views: 7083

Re: The coming municipal bond crisis

I had to remove a couple of political posts (speculation on future legislation). Please steer clear of that area.
by prudent
Thu Sep 22, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: T.I.P.S.
Replies: 3
Views: 420

Re: T.I.P.S.

Hi and welcome. You might want to read the wiki entry about TIPS here: https://www.bogleheads.org/wiki/Treasur ... d_Security
by prudent
Thu Sep 22, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: camino de santiago
Replies: 3
Views: 449

Re: camino de santiago

Put your thread title into the search field in the upper right corner of the page to view past threads here on the topic.
by prudent
Thu Sep 22, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 37
Views: 3398

Re: Bad Supervisor - Involve Union?

Topic moved to Personal Consumer Issues.
by prudent
Wed Sep 21, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Profit Sharing Fee vs Vanguard Profit Sharing?
Replies: 1
Views: 239

Re: Fidelity Profit Sharing Fee vs Vanguard Profit Sharing?

Topic moved to Investing - Help with Personal Investments.
by prudent
Wed Sep 21, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Resource for dealing with dependent adult children
Replies: 14
Views: 1860

Re: Resource for dealing with dependent adult children

Since medical, mental health and relationship issues are out-of-scope for this forum, we can look at the financial side. One possibility is a trust, using a trustee who is empowered to distribute funds from the trust under specified conditions.
by prudent
Wed Sep 21, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Having intermittent problem with Visa chip card
Replies: 20
Views: 1165

Re: Having intermittent problem with Visa chip card

Topic moved to Personal Consumer Issues.
by prudent
Wed Sep 21, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 21285

Re: Evicting a tenant-Hire lawyer?

Please stay on-topic and also avoid legal discussions because discussion about what locksmiths can do about locks for locked-out people will probably lead to the thread being... you know.
by prudent
Tue Sep 20, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Where in the US would you live and what would you do for a career?
Replies: 13
Views: 1214

Re: Where in the US would you live and what would you do for a career?

Topic locked, not personal or actionable.

Forum policy 4b:
Non-actionable 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
Tue Sep 20, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k and ROTH asset allocation
Replies: 4
Views: 416

Re: 401k and ROTH asset allocation

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Sep 20, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: Clomid+IUI and IVF Cost Help [In Vitro Fertilization]
Replies: 16
Views: 1186

Re: Clomid+IUI and IVF Cost Help

Topic moved to Personal Consumer Issues.
by prudent
Tue Sep 20, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Sudden gas shortage due to broken pipeline? Hmm
Replies: 5
Views: 916

Re: Sudden gas shortage due to broken pipeline? Hmm

Topic is locked for moderator review.
by prudent
Sun Sep 18, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?
Replies: 33
Views: 2430

Re: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?

Just for clarification, the fund is Vanguard Intermediate-Term Tax-Exempt (VWITX).

EDIT: OP has verified it's VWIUX below (Admiral version).
by prudent
Sun Sep 18, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: How to sleep like a Billionaire?
Replies: 14
Views: 2991

Re: How to sleep like a Billionaire?

Thread is locked, derailed.
by prudent
Fri Sep 16, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Day Trading - Where To Start? (Coaching)
Replies: 23
Views: 1932

Re: Day Trading - Where To Start? (Coaching)

In another thread someone asked you about getting into poker. You replied:
Your time would be much better spent learning another skill.


IMHO that quote is equally applicable to your question, no offense intended.
by prudent
Fri Sep 16, 2016 5:50 am
Forum: Investing - Theory, News & General
Topic: Broker-Dealer Fee Audit. Is it a thing?
Replies: 8
Views: 684

Re: Broker-Dealer Fee Audit. Is it a thing?

I would not even bother to ask. Everything they would report is already on the statements (if it's not explicitly on the statement, they would not consider it to be a fee!). They aren't going to say fund ERs are a fee. Or, as unclescrooge pointed out, markups on security purchases.
by prudent
Fri Sep 16, 2016 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Opening a new checking account to deposit real estate proceeds?
Replies: 3
Views: 291

Re: Opening a new checking account to deposit real estate proceeds?

I would not open a new account at a new bank just before a critical transaction is going to happen.
by prudent
Thu Sep 15, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 2231

Re: My bond portfolio - Comments

Topic moved to Investing - Help with Personal Investments.
by prudent
Thu Sep 15, 2016 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Estimating true costs of first-time home ownership: huge range?
Replies: 9
Views: 971

Re: Estimating true costs of first-time home ownership: huge range?

I don't believe that maintenance costs rise proportionally with home value. I can't imagine how it would be as high as 4% on average every year on a $500K home ($20k/year). To me that sounds like the amount you might have to spend in one really bad year, a worst-case situation. I would expect a sell...
by prudent
Wed Sep 14, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Earnings History
Replies: 8
Views: 708

Re: Social Security Earnings History

For years other than the last handful, your earnings were adjusted to account for inflation. So (as an example) your earnings in 1980 might be adjusted by a factor of 4 ($20,000 of earnings in 1980 could count as much as $80,000 this year). The adjustments are based on the year you are first eligibl...
by prudent
Tue Sep 13, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Huge pile of jewelry to sort
Replies: 13
Views: 1175

Re: Huge pile of jewelry to sort

I encourage putting in the time to identify the items yourself, not going to a jeweler/pawn shop/whatever for them to do the work. I have a friend who runs a shop and will buy jewelry for scrap, but he won't work on a big pile unless they pay for his time if they don't accept his offer. If someone b...
by prudent
Tue Sep 13, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Freelance "Contract Duration" Clause: Is Duration Enforceable? [USA]
Replies: 6
Views: 564

Re: Freelance "Contract Duration" Clause: Is Duration Enforceable? [USA]

Topic locked (legal issues), beyond the scope of the forum.
by prudent
Mon Sep 12, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3602

Re: Best Flashlight to keep in home for emergency

Topic moved to Personal Consumer Issues.
by prudent
Mon Sep 12, 2016 8:00 am
Forum: Investing - Theory, News & General
Topic: Accessing 401K Plan Detail - Telegraphing Intent?
Replies: 11
Views: 829

Re: Accessing 401K Plan Detail - Telegraphing Intent?

I told them my financial advisor has asked me to get details on a number of 401k plan details - any self-directed brokerage options, 401k loan policies, distribution options at age 55/age 59.5/retirement - since he wants that information to develop a plan and as a reference for future changes to my ...
by prudent
Sun Sep 11, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: The Fidato Group (retirement seminar)
Replies: 23
Views: 1818

Re: The Fidato Group (retirement seminar)

You have to pay $50 to attend this "seminar"? Are they going to at least feed you rubber chicken and overcooked broccoli? The info for the ones I've seen present it as an actual class or workshop. There's a workbook for each couple, and the thing is 6 hours long split over 2 days. Again, ...
by prudent
Sat Sep 10, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: The Fidato Group (retirement seminar)
Replies: 23
Views: 1818

Re: The Fidato Group (retirement seminar)

There's a local advisory firm that does something similar a few times a year. From reading the brochure, I would expect the seminar to have value regarding the basics - for example, most people do not know there are strategies related to claiming SS - and also touch on enough "advanced topics&q...
by prudent
Fri Sep 09, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for excercise
Replies: 17
Views: 1462

Re: Noise cancelling headphones for excercise

Runner's World did a round-up of earphones - I don't think any of them are noise-cancelling but it might not be a great idea to use noise-cancelling headphones if you're running on a road with traffic because you'd want to hear approaching traffic. http://www.runnersworld.com/electronics/best-earbud...
by prudent
Thu Sep 08, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: Wall Street's Latest Retail Fleecing Product Exposed – Structured CDs
Replies: 20
Views: 2103

Re: Wall Street's Latest Retail Fleecing Product Exposed – Structured CDs

Sixty-two percent produced returns lower than an investor would have received from a five-year conventional CD, while almost a quarter have yet to pay any return at all, the analysis found. I bet the seller is very happy with the returns! :( Shameful that banks apparently grab on the term "CD&...
by prudent
Thu Sep 08, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Enterprise software sales process - PO, Quote, Invoice etc
Replies: 20
Views: 1089

Re: Enterprise software sales process - PO, Quote, Invoice etc

I'm concerned you are ready to make a sale and you don't have a terms and conditions document in place already. You are going to have to provide that with your quote. You provide your quote along with your Terms and Conditions document. The client issues you a Purchase Order with their own Terms and...
by prudent
Wed Sep 07, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2182

Re: Confederate Money (where to sell)

First I would encourage you to research what you have before offering it for sale. Your library may have a reference book on Confederate currency (or can get one through interlibrary loan). That way you can get an idea of each note's condition and value. Note that values in reference books are gener...
by prudent
Wed Sep 07, 2016 5:36 am
Forum: Investing - Help with Personal Investments
Topic: New Investor
Replies: 5
Views: 436

Re: New Investor

There is not enough information to offer useful suggestions. Please post in the format you find in this thread: viewtopic.php?f=1&t=6212 .
by prudent
Tue Sep 06, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Personal Shopper/Service for Complicated Purchases
Replies: 14
Views: 1110

Re: Personal Shopper/Service for Complicated Purchases

I just want to say your idea of renting the Stradivarius for an hour is genius. I always marvel at folks who can come up with great gift ideas like that. Have you considered contacting some larger orchestras to see if they have a violinist who owns one? Their PR person might realize there's some goo...
by prudent
Tue Sep 06, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: Bridge to Social Security
Replies: 33
Views: 2345

Re: Bridge to Social Security

I'm adding a post by #Cruncher that got interrupted by the lock but was a direct reply to earlier questions posed to him. jjface in this post wrote: If I am looking to produce $15k from 2032 for 10 years - Do I leave the multipliers for rows 10-13 and blank out the rest? So a cost of $152,316 [base...
by prudent
Tue Sep 06, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: Bridge to Social Security
Replies: 33
Views: 2345

Re: Bridge to Social Security

Topic is exhausted (thread derailed) and is locked.
by prudent
Tue Sep 06, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4751

Re: Inheriting lake property with 2 other siblings

Someone's going to be unhappy. Those 3 views of what to do are simply incompatible. If it was me, I'd explain it to my wife this way: 1. We're going to be the only ones paying for any upkeep. Let's face it, that's reality. 2. You don't even like it the way it is now. 3. The potential co-owners all ...
by prudent
Mon Sep 05, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Starting 403b and 457 at Vanguard
Replies: 3
Views: 270

Re: Starting 403b and 457 at Vanguard

Nessie, welcome to bogleheads!

Please post your information in the format in this link: viewtopic.php?f=1&t=6212

Otherwise there is not anywhere near enough information to provide useful suggestions.

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