Search found 3741 matches

by prudent
Mon May 25, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2531

Re: Anyone buy a car from a rental car company???

Yes, bought a year-old Buick with 23k miles for 40% less than new. I had it checked out before signing off. I could have been wrong, but I figured (1) this is not a car any gearhead would choose to rent for abuse - it's was a soft-riding boat; and (2) you can't put 23k miles on a car in one year unl...
by prudent
Thu May 21, 2020 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Child inheritance -change executor?
Replies: 20
Views: 1386

Re: Child inheritance -change executor?

It is a lot of work. Hopefully that is all he meant. He is not wrong about that. Depending on the state, I would be surprised if he is going to pull in more than a few thousand a year. If he thinks the compensation is going to be equivalent to a full time job, he is going to be in for a surprise. M...
by prudent
Thu May 21, 2020 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Child inheritance -change executor?
Replies: 20
Views: 1386

Re: Child inheritance -change executor?

I would request a trust accounting yearly. I find the comment that he feels this is his "new job" quite concerning.
by prudent
Tue May 19, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4108

Re: Turning 65, Medicaire questions

boomerbenefits.com offers free webinars to help you get up to speed on Medicare. If you want them to help you shop for plans, they will, but the info on their site has been useful just to learn the basics. Went to a couple in-person info sessions locally but they were clearly biased. In fact, one of...
by prudent
Thu Apr 30, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Oursourcing is amazing
Replies: 1
Views: 686

Re: Oursourcing is amazing

This thread 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 situation. You can also ...
by prudent
Wed Apr 29, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5322

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

The "care" in "long-term care facilities" comes down to people. Policies, guidelines, rules, etc. are good, but it's up to the people working there to make them effective. Relatives who owned such a facility made it a jewel because they had 7 family members working there who demanded the best of the...
by prudent
Wed Apr 29, 2020 6:34 am
Forum: Personal Investments
Topic: Why shouldn’t I do this?
Replies: 43
Views: 2352

Re: Why shouldn’t I do this?

Topic is locked (not actionable). OP, you stated you are 100% certain of your beliefs. There's nothing actionable that can be offered in the replies other than "you're wrong," and therefore all that can be done is argue about it. Topic is not actionable by forum policy . If readers can't do anythin...
by prudent
Thu Apr 23, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: life insurance companies busy?
Replies: 3
Views: 274

Re: life insurance companies busy?

This thread 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 situation. You can also ...
by prudent
Wed Apr 22, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

Locked for moderator review.

Topic reopened after I removed many off-topic posts. This topic is about tipping on DoorDash, not tipping in general. History shows if the topic drifts into a generic tipping thread, it will end up being locked.
by prudent
Sun Apr 19, 2020 11:38 am
Forum: Investing - Theory, News & General
Topic: Alibaba & Tencent
Replies: 32
Views: 1968

Re: Alibaba & Tencent

striker79 wrote:
Sat Apr 18, 2020 11:02 pm
IF you want to put the effort forth, pick simply 3 of the greatest businesses you believe in and thats it.
Do you have any stocks you'd suggest at this time?
by prudent
Sat Apr 18, 2020 2:14 pm
Forum: Personal Investments
Topic: Beginner - Best way to start
Replies: 4
Views: 246

Re: Beginner - Best way to start

Welcome to bogleheads! I also started out with reading lots of materials about technical analysis and following market news, and trying to pick winning stocks. My advice is stop doing that. It only encourages people to make knee-jerk decisions that are ill-informed. I would recommend you start with ...
by prudent
Sat Apr 18, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Dealer's online parts website won't take off sales tax for tax exempt buyers.
Replies: 12
Views: 549

Re: Dealer's online parts website won't take off sales tax for tax exempt buyers.

If you have a tax-exempt certificate from Maryland, I can't think of a reason why Virginia would need to recognize it. The certificate says you're exempt from Maryland sales tax.
by prudent
Tue Apr 14, 2020 9:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5635
Views: 482453

Re: U.S. stocks continue to soar!

If the market was rational, we all could.have timed the market and the whole booglehead philosphy would not exist. We are all hear, because we acknowledge that market is irrational , and therefore unpredictable. So when the market moves in an unpredictable/ irrational fashion, it should not be news...
by prudent
Sat Apr 11, 2020 8:51 am
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 22
Views: 3437

Re: New Money for Excel

What is a "premium template"? Does that mean a one-time cost or a per-year cost?
by prudent
Fri Apr 10, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Seller hesitant to part with something
Replies: 38
Views: 3389

Re: Seller hesitant to part with something

Let him know your final offer and let him know that you are happy to buy at that price for the next 5 days and that after 5 days you will look elsewhere. If he calls within 5 days you buy, if not move on. Unless this item is something you absolutely cannot live without, I would do this. If you simp...
by prudent
Thu Apr 09, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Laptop buying advice
Replies: 41
Views: 3067

Re: Laptop buying advice

I would bring up Windows Task Manager while she's experiencing sluggishness with the info retrieval system. Is the CPU at 100% for periods of time when it's slow? Is memory fully utilized? Both? Does the hard drive LED remain solid the whole time? That info will be useful in evaluating what you migh...
by prudent
Thu Apr 09, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: BOFA PPP Program (who got email to upload supporting docs)?
Replies: 23
Views: 2783

Re: BOFA PPP Program (who got email to upload supporting docs)?

Topic is locked, it is for a business (not personal). Forum is restricted to personal finance discussions.
by prudent
Thu Apr 09, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: COVID-19 EIDL Loan Status?
Replies: 7
Views: 549

Re: COVID-19 EIDL Loan Status?

Topic is locked, it is for a business (not personal). Forum is restricted to personal finance discussions.

After moderator review, the topic is reopened.
by prudent
Thu Apr 09, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: Having internet connectivity issues during the workday
Replies: 51
Views: 2901

Re: Having internet connectivity issues during the workday

Anyone have a suggestion for why my internet would be constantly quitting on us? We have to reset it 5-10 times per day. I'm sure it's the router but not sure if there's a fix other than buying a new one. Has that just started recently? Have you added more devices using the internet? Do you have ne...
by prudent
Wed Apr 08, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Workers Comp and my business
Replies: 1
Views: 195

Re: Workers Comp and my business

Topic is locked. Topics must be for personal finance, not a business.
by prudent
Wed Apr 08, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Having internet connectivity issues during the workday
Replies: 51
Views: 2901

Re: Having internet connectivity issues during the workday

May not be doable, but if you're using a VPN, see if any of the softwere apps and tools you are using will still work when not on the VPN. At our company people found out some applications still worked even when not connected through VPN (for example, Slack, Skype and Outlook). Last week we had a Zo...
by prudent
Tue Apr 07, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with deceased BIL estate?
Replies: 17
Views: 1625

Re: Dealing with deceased BIL estate?

I suspect the first step is to get someone promptly appointed by the court as his executor.
by prudent
Tue Apr 07, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: How can a few select banks offer above-market yields?
Replies: 35
Views: 2570

Re: How can a few select banks offer above-market yields?

A bank near me would run specials on an odd-duration CD with a high rate. The fine print would say at maturity, if you took no action, they would auto renew the CD at the then current rate. So they might offer a 13-month CD "special" at 1.5%. After the special was over, the base rate for a 13-month ...
by prudent
Mon Apr 06, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8180

Re: Dow Futures Up Again?

Topic is locked (market is open).
by prudent
Sat Apr 04, 2020 12:57 pm
Forum: Personal Investments
Topic: Company insurance for analytics consulting firm
Replies: 1
Views: 154

Re: Company insurance for analytics consulting firm

Topic is locked (not personal, not about investing). Also would not be permitted in Personal Finance by forum policy:
This subforum is for personal financial issues that don't involve investments.
by prudent
Fri Apr 03, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Are people going to start moving to the suburbs?
Replies: 8
Views: 860

Re: Are people going to start moving to the suburbs?

Topic is locked (off-topic, not personal, not about finance).
by prudent
Thu Apr 02, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Home office deductions for mandatory work at home?
Replies: 18
Views: 1168

Re: Home office deductions for mandatory work at home?

Would it be better to pursue reimbursement from the employer, if they mandated what you had to do?
by prudent
Tue Mar 31, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Stock Investing
Replies: 3
Views: 243

Re: Stock Investing

Frankly, this site's wiki is fantastic as a place to get educated.
by prudent
Tue Mar 31, 2020 6:56 am
Forum: Investing - Theory, News & General
Topic: MBA Warns Fed
Replies: 6
Views: 2046

Re: MBA Warns Fed

Topic is locked. Not investing related. Off-topic by forum policy. See https://www.bogleheads.org/forum/rules#rule-4b 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 ...
by prudent
Sun Mar 29, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 145
Views: 14075

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

Given your outlook, I would keep the cash in FDIC-insured short-term CDs. Stay under the FDIC insurance limit. No risk of principal loss. If inflation heats up, re-evaluate then. You don't have to decide now what you might do if inflation rises. This is a defensive position. If you're trying to prof...
by prudent
Fri Mar 27, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8523

Re: IRS Suspends RMD [locked - discussion of proposed legislation not permitted]

Until there is a law passed by Congress and signed into law, forum policy prohibits discussion as it is just proposed legislation.
by prudent
Thu Mar 26, 2020 3:40 pm
Forum: Personal Investments
Topic: RMD postponement for 2020 [topic closed, cannot discuss proposed legislation]
Replies: 1
Views: 206

Re: RMD postponement for 2020

Topic is locked, discussion of proposed legislation is not permitted by forum policy. After it passes Congress and is signed into law, we can discuss it.
by prudent
Thu Mar 26, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: 2020 RMD
Replies: 2
Views: 333

Re: 2020 RMD

Topic is locked, pending legislation is not a permitted topic. When it's signed into law, we can talk about it.
by prudent
Thu Mar 26, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Can 2020 rmd's taken less than 60 days be converted?
Replies: 15
Views: 936

Re: Can 2020 rmd's taken less than 60 days be converted?

Thread is actionable based on whatever is permitted under current law.
by prudent
Thu Mar 26, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: When the RMDs are suspended can I do a Roth conversion without first doing an RMD?
Replies: 4
Views: 625

Re: When the RMDs are suspended can I do a Roth conversion without first doing an RMD?

Discussion of proposed legislation is not allowed by forum policy. Nobody knows what the law will say until it is signed.
by prudent
Thu Mar 26, 2020 9:58 am
Forum: Personal Investments
Topic: Interesting loosening of 401K restrictions in stimulus bill
Replies: 1
Views: 437

Re: Interesting loosening of 401K restrictions in stimulus bill

Discussion not permitted until there is a signed law.
by prudent
Thu Mar 26, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: Penalty-free withdrawals from 401(k)s
Replies: 37
Views: 3166

Re: Penalty-free withdrawals from 401(k)s

The story is about proposed legislation. Until there is a law passed by the Senate and the House and it is signed into law, discussion is not allowed.
by prudent
Thu Mar 26, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Is this what a Mr. Money Mustache Economy would look like?
Replies: 5
Views: 1281

Re: Is this what a Mr. Money Mustache Economy would look like?

Topic is locked (not personal, not actionable). General comments are off-topic by forum policy . 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 lo...
by prudent
Thu Mar 26, 2020 8:19 am
Forum: Forum Issues and Administration
Topic: Post not showing
Replies: 1
Views: 260

Re: Post not showing

Your topic is here: Subject: Saving on taxes when trading stocks. You are not in the US so your topic is in the Non-US Investing forum.

Closing thread.
by prudent
Wed Mar 25, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus money for a college student?
Replies: 3
Views: 475

Re: Stimulus money for a college student?

Until Congress passes a law and the President signs it, discussion is not permitted by forum policy.
by prudent
Tue Mar 24, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quarantine and divorce
Replies: 5
Views: 1457

Re: Quarantine and divorce

Topic is locked (relationship issue, not finance, as specified in the OP "How has quarantine affected the health of your marriage?") 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...
by prudent
Tue Mar 24, 2020 6:24 am
Forum: Investing - Theory, News & General
Topic: Banks vs. Brokerages?
Replies: 10
Views: 786

Re: Banks vs. Brokerages?

Nothing is safer than an FDIC-insured bank account (or an NCUA-insured account, the equivalent at credit unions). It doesn't matter what brokerages can or can't do with settlement account funds.
by prudent
Sun Mar 22, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Reduce 2020 RMD by 25%
Replies: 3
Views: 403

Re: Reduce 2020 RMD by 25%

Topic is locked. Discussions of proposed legislation or advocacy for any position is not permitted by forum policy.
by prudent
Sun Mar 22, 2020 9:57 am
Forum: Personal Investments
Topic: F.I.R.E. is over
Replies: 14
Views: 1363

Re: F.I.R.E. is over

This thread has run its course and is locked (not actionable, contentious). See: 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. Examples include: US or world economic, political, tax, health care and climate policie...
by prudent
Sun Mar 22, 2020 7:50 am
Forum: Forum Issues and Administration
Topic: No reason given for lock?
Replies: 4
Views: 767

Re: No reason given for lock?

Says it has run its course - i.e. nothing more needs to be said (notice the OP edited his post to clarify he WASN'T getting a penalty).
by prudent
Sat Mar 21, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Tipping in the time of Coronavirus
Replies: 39
Views: 3188

Re: Tipping in the time of Coronavirus

Let's stay on topic - what are you tipping currently for takeout/delivery, considering the workers' jobs are now more dangerous. We don't need another generic tipping discussion.