Search found 3490 matches

by prudent
Tue Jul 16, 2019 6:11 pm
Forum: Personal Investments
Topic: Trigger GEARS - structured notes
Replies: 6
Views: 307

Re: Trigger GEARS - structured notes

OP, I'm curious how you learned about such products. Were they offered to you or did you find them through your own research?
by prudent
Thu Jul 11, 2019 6:48 am
Forum: Personal Investments
Topic: Poorly Managed
Replies: 25
Views: 2095

Re: Poorly Managed

I also forgot to mention another half of the money has just been sitting in a savings account maybe making a couple fractions of a percent after inflation adjustments. This might be an area of improvement. Is this money subject to AUM fees? I was able to get a relative to leave her advisor by showi...
by prudent
Tue Jul 09, 2019 6:01 pm
Forum: Personal Investments
Topic: Fidelity 401k now charging fees for brokerage link
Replies: 23
Views: 1346

Re: Fidelity 401k now charging fees for brokerage link

This kind of fee is definitely plan-dependent. The change would have to have been agreed to by your employer.
by prudent
Mon Jul 08, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3916

Re: Is Grass-fed milk worth it?

Locked for moderator review.

There are too many posts talking about medical/nutritional issues, which are off-topic by forum policy. Post remains locked (derailed).
by prudent
Sat Jul 06, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 19
Views: 735

Re: trustee duties when grantor passes

I have a beneficiary who I already know won't sign a release either when the time comes. Not because of any actual issue, just one of those people who won't sign anything if there's nothing in it for them plus an irrational fear that something will come back to bite them - even if all the other bene...
by prudent
Sat Jul 06, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's dilemma
Replies: 6
Views: 978

Re: Homeowner's dilemma

Did they know there were underground pipes where they were working?
by prudent
Sat Jul 06, 2019 4:03 pm
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2452

Re: If I want to time the market

Let me put it more clear. I feel uncomfortable at this market level and I want to take some money off the table. I have achieved my goal of financial Independence. I am more interested in preserving gains than making more gains (at this market level). So if the market does not crash, I'm fine. I ju...
by prudent
Sat Jul 06, 2019 2:58 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5619

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

P.S. if the OP was really good at picking stock market losers, then why eliminate those from your portfolio? Just short the losers and make countless times more money! Put differently, if you aren’t willing to put your money where your mouth is by shorting the stocks you are convinced are losers, y...
by prudent
Sat Jul 06, 2019 2:35 pm
Forum: Personal Investments
Topic: How to best lay out our situation to ask for advice?
Replies: 2
Views: 318

Re: How to best lay out our situation to ask for advice?

Welcome! The link to the preferred format is here: viewtopic.php?f=1&t=6212

A template you can copy and edit is here: https://www.bogleheads.org/wiki/Asking_ ... _questions
by prudent
Sat Jul 06, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying PA Income Tax By Credit Card
Replies: 5
Views: 393

Re: Paying PA Income Tax By Credit Card

They show the fee once you choose where the payment is going and how you're paying. Apparently it varies. For PA personal income taxes, it's 2.49%. They also do payments for PA business taxes but I don't know the fee.
by prudent
Sat Jul 06, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Paying PA Income Tax By Credit Card
Replies: 5
Views: 393

Re: Paying PA Income Tax By Credit Card

You can pay PA taxes online with a credit card at officialpayments.com.
by prudent
Sat Jul 06, 2019 1:53 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5619

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

I know I can probably start okay but yes I am also afraid that I may lose interest in the long run. So I am leaning more towards index funds now, using ETFs. However it is quite puzzling how DOW and NASDAQ can put up a great show with such low number of stocks in their indexes. Their holdings are p...
by prudent
Sat Jul 06, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 1935

Re: Credit Union paid out on a stopped check from 2017

I remember going through our bank's checking T&Cs a while ago. It stated I agree they can cash stale checks, post-dated checks before the date on the check, and unsigned checks on my account if I wrote the checks. I figured that was their defense for all checks being processed by machine.
by prudent
Sat Jul 06, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 1935

Re: Credit Union paid out on a stopped check from 2017

No reason to expect the plumber won't do the right thing once the issue is explained.
by prudent
Sat Jul 06, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Buy a refrigerator at Sears?
Replies: 37
Views: 2507

Re: Buy a refrigerator at Sears?

We have lots of Kenmore appliances but I wouldn't buy more today unless it was a non-Sears/Kenmore brand name so the warranty was from another company. I'd be ok with buying an LG or other brand name appliance from Sears if it is in stock and ready to go... I'd buy with a credit card just in case. I...
by prudent
Sat Jul 06, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 11
Views: 812

Re: Closing my oldest credit card

I think you'll be fine if your score is over 800. That said, it's probably incorrect that "Utilization is irrelevant for me because I pay balances in full" because utilization is reported almost always on the closing date. Unless you're paying your balance in full just before the statement is cut, y...
by prudent
Sat Jul 06, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Lifetime taxes paid - Federal, State, OASDI, City
Replies: 2
Views: 489

Re: Lifetime taxes paid - Federal, State, OASDI, City

This thread 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...
by prudent
Sat Jul 06, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Performing frequent ACATS question
Replies: 9
Views: 429

Re: Performing frequent ACATS question

I can think of a few possible concerns. - Being required to do medallion signature guarantee forms - Delay of 2 weeks or more to complete the transfer - Transferring broker botches the transaction (sells and sends the cash, instead of transferring) - Having to make sure the receiving broker will act...
by prudent
Sat Jul 06, 2019 5:28 am
Forum: Personal Investments
Topic: Dumb to investing [Portfolio Feedback]
Replies: 20
Views: 1383

Re: Dumb to investing [Portfolio Feedback]

Could you explain what you mean when you say the funds have matured?
by prudent
Fri Jul 05, 2019 6:59 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5619

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

I'm going to jump in and say do not post the names of all 250 stocks. That's far beyond the level of detail anyone is going to look at.
by prudent
Fri Jul 05, 2019 5:47 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5619

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

If you have read extensively on the benefits of index funds and choose individual stocks instead, it's unlikely anything said here is going to change your mind. You have laid out your reasoning clearly and you seem confident in your choices. With your reasoning for why you want individual stocks ins...
by prudent
Fri Jul 05, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Food sensitivity tests
Replies: 10
Views: 918

Re: Food sensitivity tests

After receiving a PM, the thread is now unlocked. Replies must not contain medical advice, which is off-topic by forum policy. Replies should be limited to one's personal experience with this test as a consumer issue.
by prudent
Thu Jul 04, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Parents got ripped off, what can I do about it?
Replies: 75
Views: 6649

Re: Parents got ripped off, what can I do about it?

Topic is locked (exhausted).
by prudent
Thu Jul 04, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 5762

Re: How do you brace for impact?

I think the basic BH principles work. Set an appropriate asset allocation based on risk tolerance/age, rebalance yearly, keep costs low. I know I can't predict the market, so what else is there to do? When a recession hits, my asset allocation protects me from a terrible loss. Knowing the economy w...
by prudent
Thu Jul 04, 2019 11:48 am
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 5762

Re: How do you brace for impact?

I think the basic BH principles work. Set an appropriate asset allocation based on risk tolerance/age, rebalance yearly, keep costs low. I know I can't predict the market, so what else is there to do? When a recession hits, my asset allocation protects me from a terrible loss. Knowing the economy wi...
by prudent
Thu Jul 04, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How to interpret different raise percents?
Replies: 41
Views: 2571

Re: How to interpret different raise percents?

Where I used to work had the same deal as JoMoney posted. Raises depended on where you were in your position's salary band and your rating. Beyond that, each group was allocated a sum of money to distribute and could not go over. If someone was at the top of their position's salary band, the best th...
by prudent
Thu Jul 04, 2019 10:40 am
Forum: Personal Investments
Topic: $100,000 irrevocable trust
Replies: 12
Views: 1197

Re: $100,000 irrevocable trust

Who are the beneficiaries of the trust? What does the trust say about disbursements?
by prudent
Thu Jul 04, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Prescription drugs - how to determine country of origin?
Replies: 25
Views: 1610

Re: Prescription drugs - how to determine country of origin?

After review, the topic is unlocked. Please limit replies to helping answer the question in the OP.
by prudent
Wed Jul 03, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Unsolicited Diamond Investment Call
Replies: 26
Views: 1932

Re: Unsolicited Diamond Investment Call

Chances are very good they didn't actually know for sure if you are a likely customer or even HNW. They bought leads from an info broker - lists of people who the broker believes fit the profile the diamond company asked for. Brokers can put together profiles based on multiple data sources (real est...
by prudent
Wed Jul 03, 2019 9:51 am
Forum: Personal Investments
Topic: Bought my first ETFs
Replies: 1
Views: 257

Re: Bought my first ETFs

This thread is locked. 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
by prudent
Tue Jul 02, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: security info breach @ Georgia Tech...but I have no relationship w/GT
Replies: 8
Views: 888

Re: security info breach @ Georgia Tech...but I have no relationship w/GT

GT had a data breach, could have leaked info on many years' worth of student data. They probably hired someone to try to contact former students. They probably don't have current addresses for the overwhelming majority of former students. Your name probably matched against the name of a former stude...
by prudent
Tue Jul 02, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Overstaying Tenant and Illegal hoarding
Replies: 19
Views: 1604

Re: Overstaying Tenant and Illegal hoarding

Topic is locked (legal issue beyond scope of the forum).
by prudent
Mon Jul 01, 2019 7:48 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 849
Views: 105035

Re: Post your Financial Milestone Announcements Here

After today's gains my Vanguard account just crossed over $1,000,000.00 for the first time. This forum has reinforced good investing principles over and over again. Just wanted to say thanks to the forum plus sadly this is the only place I can discuss such an event. None of my friends are real save...
by prudent
Mon Jul 01, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings and Inherited Property
Replies: 53
Views: 6481

Re: Siblings and Inherited Property

Note that if you get an offer, you are legally bound to sell so no fishing here! Excuse me, what? I had my previous house on the market for some time and did not accept a number of initial offers. I was too vague. Yes, you don't have to accept offers. However, if a realtor brings you an offer for f...
by prudent
Mon Jul 01, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 19995

Re: Do you share your net worth with family members?

Never planned to share NW with anyone but eventually did tell my father. After mom passed he no longer had her SS income and his tiny pension plus his SS wasn't sufficient. He never asked for anything but we could see he was struggling. Told him we would direct deposit a few hundred a month in his b...
by prudent
Sat Jun 29, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Can't delete or rename file
Replies: 17
Views: 1080

Re: Can't delete or rename file

Can you see it in Windows Explorer (or whatever it might be called in Windows 10) and drag it to a top-level directory to shorten the path?
by prudent
Fri Jun 28, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Standalone Umbrella Policy
Replies: 11
Views: 968

Re: Standalone Umbrella Policy

Have you tried insurance brokers? If you can't find any other option you might consider buying non-owner car insurance and bundling with an umbrella. Extra cost for no value but it's an option.
by prudent
Fri Jun 28, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Why don't more businesses buy used cars?
Replies: 2
Views: 446

Re: Why don't more businesses buy used cars?

Topic is locked (not personal nor actionable). This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are: - insurance - employment issues - credit card and credit rating issues - mortgage and loan issues - legal issues that have a financial com...
by prudent
Tue Jun 25, 2019 7:04 pm
Forum: Personal Investments
Topic: DIY for UHNW
Replies: 55
Views: 4836

Re: DIY for UHNW

You've done your research and it seems like you have a solid understanding of what the MFO could do. If the benefits aren't worth it, no sense in signing on. I would guess most clients want the full spread of services, and at that price point the MFO is probably less costly than assembling separate ...
by prudent
Tue Jun 25, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 17
Views: 1977

Re: Thank you, Honda - repair story

This thread has run its course and is locked (general comment, not actionable). See: Personal Consumer Issues General comments or complaints about these topics will be removed. Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforum...
by prudent
Tue Jun 25, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4372

Re: Triage in ER - charged $790

Topic is locked (derailed).
by prudent
Fri Jun 21, 2019 7:19 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 42
Views: 3782

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

I removed another post that was off-topic. Please keep replies focused on the OP's question.
by prudent
Fri Jun 21, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 10140

Re: Permanent DINK couples - Considerations, thoughts, etc?

I removed more off-topic posts. Posts about reasons for lifestyle choices are off-topic. Please keep replies focused on issues relevant to DINK couples finances.
by prudent
Fri Jun 21, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: Purpose of Stocks?
Replies: 29
Views: 5617

Re: Purpose of Stocks?

Investors do not have to hold on to a stock if prospects are in decline. I would expect those who buy individual stocks need to monitor those companies and can sell if things are not looking good. So one could buy stock in a growing company, enjoy increases in stock value, possibly collect dividends...
by prudent
Fri Jun 21, 2019 9:24 am
Forum: Investing - Theory, News & General
Topic: Purpose of Stocks?
Replies: 29
Views: 5617

Re: Purpose of Stocks?

From a Bogleheads perspective, if we invest in index funds which hold many different stocks, we own stock in companies in different life phases - some small but growing, some thriving, some treading water yet profitable, some on the way to death. But since we have our risk spread out across many sto...
by prudent
Fri Jun 21, 2019 7:09 am
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 42
Views: 3782

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

Replies are becoming increasingly off-topic - let's stay focused on the OP's question - will Libra crypto have an effect on stocks/bonds.
by prudent
Fri Jun 21, 2019 6:57 am
Forum: Personal Investments
Topic: How did you overcome your fear of investing?
Replies: 33
Views: 2425

Re: How did you overcome your fear of investing?

Welcome! We grew up poor and the fear of losing on an investment was a big thing when I started out. What reassured me was learning more, and understanding that while there is risk, a thoughtful, time-tested strategy was very, very likely to succeed over time. And also tuning out the noise of the fi...
by prudent
Wed Jun 19, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 38281

Re: For those who earn $500k+ per year. How'd you do that?

Topic is locked (derailed, replies will not stay on topic).
by prudent
Wed Jun 19, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3203

Re: Maternity and Paternity leave policies

After review, the thread will remain locked (contentious, unable to stay on topic).