Search found 2977 matches

by prudent
Fri Dec 15, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: If you were so inclined to commit CC fraud...
Replies: 1
Views: 314

Re: If you were so inclined to commit CC fraud...

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 Dec 15, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4207

Re: Wow. Just Wow.

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
Mon Dec 11, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2462

Re: Do girls wear Ninja Turtle character shoes

Topic is locked (topic exhausted and derailed).
by prudent
Sat Dec 09, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 907

Re: carefirst or Kaiser Rockville Md

Topic moved to Personal Consumer Issues.
by prudent
Thu Dec 07, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5429

Re: What do Bogleheads say when they don't want to spend money?

My go-to is "I don't want ______." In all situations - friends, family, whoever.
by prudent
Wed Dec 06, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6917

Re: House on the market less than a day. Did listing agent commit fraud?

I suppose it's possible for a seller to tell the agent the top priority is to get the thing sold immediately, and the agent says "price it at $X and it will be gone ASAP".
by prudent
Tue Nov 28, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 12833

Re: FIRE [financial independence/retire early]

The 4% "rule" doesn't have anything to do with health care directly. It says you can most likely withdraw 4% of your assets yearly to finance a 30-year retirement and not run out of money. How it is spent (health care, food, housing, whatever) is up to the individual. You don't add health care costs...
by prudent
Tue Nov 28, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1149

Re: LCOL vs HCOL real estate - which is the better buy?

Topic moved to Investing - Theory, News & General.
by prudent
Thu Nov 23, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1202

Re: Geneology: finding the house a dead relative lived in.

Some libraries have records that could be useful in genealogy research. I'd call the library of that town and ask what they might have. Could be old phonebooks, street maps labeled with occupants' names, digitized old newspapers/access to online newspaper archives, whatever.
by prudent
Wed Nov 22, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Which HDHP (high deductible health plan) would you choose?
Replies: 5
Views: 425

Re: Which HDHP (high deductible health plan) would you choose?

Topic moved to Personal Finance (Not Investing) .
by prudent
Wed Nov 22, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 29126

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

simplesauce wrote:
Wed Nov 22, 2017 9:38 am
Is the group photo posted anywhere?
It's in family_doc's photo album (https://drive.google.com/drive/folders/ ... TFocnZzbVE), linked in the wiki page about the 2017 conference.
by prudent
Tue Nov 21, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: FIFO only rebalancing
Replies: 4
Views: 971

Re: FIFO only rebalancing

Topic is locked (proposed legislation is off-topic).

See Political comments and proposed tax plan remain off-topic for more explanation.
by prudent
Tue Nov 21, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Time for my checkup - **Warning - long post**
Replies: 16
Views: 1916

Re: Time for my checkup - **Warning - long post**

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Nov 21, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: etf vs mutual funds taxes
Replies: 1
Views: 304

Re: etf vs mutual funds taxes

Topic is locked (proposed legislation is off-topic).

See Political comments and proposed tax plan remain off-topic for more explanation.
by prudent
Sat Nov 18, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 13993

Re: Is holding bonds now dangerous?

Topic moved to Investing - Theory, News & General.
by prudent
Sat Nov 18, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Experience with 401K "Self Directed Brokerage Account"
Replies: 9
Views: 688

Re: Experience with 401K "Self Directed Brokerage Account"

At my old company we had a SDBA option within the 401k. Prudential was the 401k custodian and their brokerage arm held the SDBA as well (no option to have it somewhere else). Fee was $100/year and buy/sell commissions were $17.95 unless it was a no transaction fee fund (Vanguard buys/sells had commi...
by prudent
Wed Nov 15, 2017 7:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: BH recent Membership [BogleHead]
Replies: 17
Views: 1705

Re: BH recent Membership

Are there comparable figures on Boglehead dropouts? For instance, how many forum members have not posted within the last year or two? I assume it is possible to delete your account, but that most people just become inactive instead? I am not exactly sure what that I expect to learn, but feel a need...
by prudent
Wed Nov 15, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Paying Issues
Replies: 18
Views: 1334

Re: Bill Paying Issues

Ran into the same problem with our credit union. Even though we have a joint account, they had no way to enable both of us having the same access to the payee list using our separate logins. Only one person could add/change/delete payees. The other person could not view the full payee info (account ...
by prudent
Wed Nov 15, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 924

Re: Florida slip & fall advice? Helping my parents

Topic is locked (legal advice is off-topic by forum policy).
by prudent
Sat Nov 11, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a deceased relative from long distance
Replies: 12
Views: 1460

Re: How to deal with a deceased relative from long distance

I don't understand "Technically, the responsibility falls to me." Has she indicated that you are her executor? You need not accept the position. In any event, to put an end to feelings of dread it might be useful to make it clear to her that you cannot and will not be able to tend to her affairs in ...
by prudent
Thu Nov 09, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Improved returns from rebalancing asset allocation
Replies: 6
Views: 594

Re: Improved returns from rebalancing asset allocation

Topic moved to Investing - Theory, News & General.
by prudent
Mon Nov 06, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Vanguard Managed Payout?
Replies: 7
Views: 1092

Re: Anybody using Vanguard Managed Payout?

One important thing to understand about Managed Payout is that the distributions do not necessarily come from earnings. If they say they will distribute X% per month, that could mean some of the amount a return of principal. There is no assurance that the fund will preserve capital. There's a recent...
by prudent
Mon Nov 06, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Trump tax
Replies: 2
Views: 819

Re: Trump tax

Topic is locked (discussion of proposed legislation is off-topic).

Please see the post here for a fuller explanation.
by prudent
Thu Nov 02, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?
Replies: 9
Views: 1117

Re: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?

Topic is locked (speculation about future legislation, which 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 thi...
by prudent
Wed Nov 01, 2017 9:00 am
Forum: Forum Issues and Administration
Topic: Changing user id
Replies: 1
Views: 267

Re: Changing user id

You can send PMs now.
by prudent
Tue Oct 31, 2017 10:49 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 20
Views: 2307

Re: How do you follow your posts on BH?

Topic moved to Forum Issues and Administration.
by prudent
Mon Oct 30, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Distributions for US Non Resident Alien
Replies: 7
Views: 500

Re: IRA Distributions for US Non Resident Alien

Topic moved to Investing - Help with Personal Investments.
by prudent
Mon Oct 30, 2017 5:34 am
Forum: Personal Finance (Not Investing)
Topic: How fast can tax reform be rolled out (in general)?
Replies: 10
Views: 2055

Re: How fast can tax reform be rolled out (in general)?

Topic is locked (question was answered).
by prudent
Mon Oct 30, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3319

Re: European Tours

Topic moved to Personal Consumer Issues.
by prudent
Sun Oct 29, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Boglehead 2017 Conference Photos
Replies: 13
Views: 1644

Re: Boglehead 2017 Conference Photos

If it sells out so quickly, could it be that a bigger venue might be warranted? For his annual shareholder meeting, Warren Buffet sells out the century link center which holds 17,560 people. There are 64,303 registered bogleheads! source: https://www.bogleheads.org/forum/memberlist.php See Mel's ex...
by prudent
Wed Oct 25, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 2773

Re: Package addresssed to my address, someone else's name, on house I am selling

Saw this scenario reported on local news not long ago. They mentioned two schemes that have been identified: Items purchased with a stolen credit card (card unrelated to the homeowner) and drug deals. The person expecting delivery scouts the empty house until the item arrives, then picks it up.
by prudent
Mon Oct 23, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Avoiding the Spiral
Replies: 21
Views: 3219

Re: Avoiding the Spiral

Topic moved to Investing - Theory, News & General.
by prudent
Sat Oct 21, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: help with inheritance and financial planning
Replies: 6
Views: 674

Re: help with inheritance and financial planning

Welcome and I also add my condolences for your loss. I think it would be best if we could understand the whole picture. You mention you have enough saved for your own retirement but without any information about that. You will want a plan to consider all assets, and not just what was in your husband...
by prudent
Tue Oct 17, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6105

Re: Is Florida Over, 2017

Topic locked due to continued discussion of climate change, which is off-topic by forum policy.
by prudent
Mon Oct 16, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: undiagnosed health (GI) issue
Replies: 2
Views: 433

Re: undiagnosed health (GI) issue

Topic is locked (medical issue). Medical issues are off-topic by forum policy.
by prudent
Sat Oct 14, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Silly accounting question [How do I record these transactions?]
Replies: 7
Views: 842

Re: Silly accounting question

For rebates just enter them as a negative expense when they arrive. They are not income.
by prudent
Wed Oct 11, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2716

Re: Best weight loss resources?

Topic is locked (medical issues are off-topic by forum policy).
by prudent
Mon Oct 09, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6809

Re: Asking for discounts

runner3081 wrote:
Mon Oct 09, 2017 1:58 pm
By the way... FatWallet is done, shutting down shortly.
It is gone.
by prudent
Sun Oct 08, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Selling gold jewelry
Replies: 17
Views: 1624

Re: Selling gold jewelry

Assuming it has no value as jewelry, look at http://www.midwestrefineries.com/.
by prudent
Sun Oct 08, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Pare back allocation?
Replies: 10
Views: 934

Re: Pare back allocation?

Topic moved to Investing - Help with Personal Investments.
by prudent
Sat Oct 07, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7936

Re: Do you want your receipt?

I always take the receipt, look at the total right there, put it in my pocket. Wouldn't put it past some clever people to recognize the regular customer who never takes his receipts then overcharges them. I think you at least have to verify that the total is right.