Search found 2935 matches

by prudent
Tue Oct 17, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5399

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: 379

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: 737

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: 2270

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: 6320

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: 1504

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: 866

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: 7424

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.
by prudent
Fri Oct 06, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 189
Views: 21329

Re: Retirement Account Stolen by Identity theft

...these account hijackings makes one think that there is real value in working with a local outfit. Yes instead of an unknown criminal stealing your money from your retirement account, the local "financial adviser" legally steals your money with high ERs funds, frequent trading, and various insura...
by prudent
Fri Oct 06, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 189
Views: 21329

Re: Retirement Account Stolen by Identity theft

So "Know your customer" failed in the case of the bank account opened with false information? It would certainly seem that way, but maybe the bank employee can avoid problems by saying something as simple as "they had a driver's license, it looked genuine to me." I also echo the above comment(s) th...
by prudent
Thu Oct 05, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3964

Re: Trying to convince my sister not to use a financial advisor

I think it is often extraordinarily difficult to get neophyte investors to believe they can handle their own investments and to understand the impact of high fees. Everything they have been exposed to implies investing is something smart professionals handle for neophytes. They see TV ads, print ads...
by prudent
Wed Oct 04, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable hourly rate for a cfp?
Replies: 14
Views: 1063

Re: Reasonable hourly rate for a cfp?

I wonder if anyone would agree to do money management on an hourly basis. Questions/reviews, yes, but it seems unrealistic to ask someone to manage your money that way. You'll want to control how many hours they will spend on your account, and they'll want to be able to do what they feel is necessar...
by prudent
Wed Oct 04, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1221

Re: Dish network

Topic moved to Personal Consumer Issues.
by prudent
Mon Oct 02, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6020

Re: Are credit cards rewards worth it?

I sometimes question some of the responses I read about cash rebate cards. If one receives an annual cash rebate of $2,500 using a 2% cash-back card that means charging $125,000 annually that card. Under what conditions would a person make personal charges of $125,000 to a credit card to obtain suc...
by prudent
Thu Sep 28, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2452

Re: Paid off Debt...credit score dropping and future mortgage

I'm a banker, and I think you are right to be concerned. Typically once you close all your credit accounts, your score will begin to drop after about 6 months and then it will really nosedive all the way to zero over the course of the next year or so. Reports vary and we don't know the exact algori...
by prudent
Thu Sep 28, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 2002

Re: liability of selling used car

Topic moved to Personal Consumer Issues.
by prudent
Wed Sep 27, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for Retirement in a few months
Replies: 8
Views: 894

Re: Planning for Retirement in a few months

Welcome to Bogleheads.org!

How much are your Social Security benefits going to be?
by prudent
Wed Sep 27, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10243

Re: Retirees, what is your marginal tax rate?

I removed a number of posts relating to discussion of the proposed income tax system. Discussion of proposed legislation is off-topic by forum policy. Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibi...
by prudent
Wed Sep 27, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Shower heads, recent experience?
Replies: 18
Views: 1696

Re: Shower heads, recent experience?

Topic moved to Personal Consumer Issues.
by prudent
Tue Sep 26, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: iPhone Voicemail Transcription No Longer Working w IOS11
Replies: 4
Views: 356

Re: iPhone Voicemail Transcription No Longer Working w IOS11

Topic moved to Personal Consumer Issues.
by prudent
Tue Sep 26, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC w/ low or no initial draw
Replies: 11
Views: 997

Re: HELOC w/ low or no initial draw

Here are some factors you'd might want to look into regarding HELOCs. - what you have to pay for closing costs and/or appraisals. And if you don't pay some of these, will they claw back their costs if you close the line before a certain period of time. - is an initial draw required - the percent of ...
by prudent
Tue Sep 26, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6783

Re: Tipping question....Applebees

Topic is locked (topic exhausted, derailed).
by prudent
Mon Sep 25, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8322

Re: Where do you get your news?

The residents in my area seem to have abandoned reading local newspapers, the newspaper website, or watching local news. But they all know what celebrity did something stupid yesterday. And they'll complain to me that they "never heard anything" about something major that affects the community until...
by prudent
Mon Sep 25, 2017 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Invest 400k Cash ?
Replies: 6
Views: 1072

Re: Invest 400k Cash ?

Bump for a new member.
by prudent
Sat Sep 23, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11619

Re: Lifestyle Creep

Topic moved to Personal Consumer Issues.
by prudent
Sat Sep 23, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 17394

Re: Comfortable Vehicle Front Seats

I notice there's a company called Recaro that makes a line of aftermarket ergonomic car seats in different models. Aren't these mainly for racing type cars? That's where I have always seen them. Seems like they would be out of place in an ordinary sedan. They have all kinds, some of which are desig...
by prudent
Sat Sep 23, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Invest 400k Cash ?
Replies: 6
Views: 1072

Re: Invest 400k Cash ?

Welcome!

it's difficult to give a good answer without seeing the big picture. Can you edit your first post (using the pencil icon in the upper right corner) to provide your information in the format outlined here?
by prudent
Sat Sep 23, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1749

Re: Transfering 250K online from one bank to another

Institutions do have limits - most often a daily limit and a monthly limit. Doctor of credit keeps a list of ACH limits and it says Wells Fargo has a $5,000 daily limit. I suggest checking with both institutions to see if you can do $250K in one go. But I can't think of any reason why the IRS would...
by prudent
Sat Sep 23, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1749

Re: Transfering 250K online from one bank to another

Institutions do have limits - most often a daily limit and a monthly limit. Doctor of credit keeps a list of ACH limits and it says Wells Fargo has a $5,000 daily limit. I suggest checking with both institutions to see if you can do $250K in one go. But I can't think of any reason why the IRS would ...
by prudent
Sat Sep 23, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Initial co-trustee instead of successor trustee
Replies: 25
Views: 1244

Re: Initial co-trustee instead of successor trustee

No tax impact on you simply for serving as a trustee, although I might not be understanding your question.
by prudent
Sat Sep 23, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1293

Re: where to put $60,000 for three months...

Topic moved to Investing - Help with Personal Investments.
by prudent
Thu Sep 21, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with evaluation of whole life and term from Northwest mutual.
Replies: 18
Views: 1705

Re: Please help with evaluation of whole life and term from Northwest mutual.

I wouldn't be too hard on your friend - he might honestly believe he was doing right by you. After all, agents aren't trained to think they are convincing customers into making poor choices.
by prudent
Thu Sep 21, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax on joint brokerage accounts?
Replies: 13
Views: 949

Re: Tax on joint brokerage accounts?

One way to keep things simple is to agree that the person reporting the income can take the equivalent amount of resulting income tax from the account to make them whole. This assumes the amount of income wouldn't push someone over a threshold for things like being able to contribute to an IRA contr...
by prudent
Thu Sep 21, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2613

Re: Bitcoin AA - Just out of Curiousity

Topic is locked (thread derailed).
by prudent
Thu Sep 21, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 17394

Re: Comfortable Vehicle Front Seats

I'm curious if anyone has looked into aftermarket seats. I notice there's a company called Recaro that makes a line of aftermarket ergonomic car seats in different models. Might be possible to buy the car one wants and put an costly aftermarket seat in it rather than spending tens of thousands more ...
by prudent
Thu Sep 21, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 9
Views: 604

Re: advice on possible brokerage Link

Fifth, if someone says something about their Fidelity BrokerageLink option, that does not mean it applies to the OP's Fidelity Brokerage Link option since all fees and services are negotiated on a per-plan basis. Full disclosure: My spouse has a Self-Directed Brokerage Account in her 401(k). She is...
by prudent
Tue Sep 19, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Closed End fund ROC
Replies: 2
Views: 395

Re: Closed End fund ROC

[Two threads combined due to same topic - moderator prudent]
by prudent
Tue Sep 19, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1407

Re: Time to buy a used VW Diesel?

Topic is locked for moderator review.
by prudent
Mon Sep 18, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much to pay for a simple will in Philly area?
Replies: 4
Views: 376

Re: How much to pay for a simple will in Philly area?

Welcome! I couldn't guess what the right amount to pay is. But I would strongly suggest getting the other documents prepared. Those can be extremely valuable for your family. Regarding the executor, I found a link to a website that discusses executor fees in PA. http://www.klenklaw.com/blog/executor...
by prudent
Mon Sep 18, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Software professional salary
Replies: 10
Views: 1439

Re: Software professional salary

Topic moved to Personal Consumer Issues.
by prudent
Sat Sep 16, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7071

Re: Physiological effects of Early Retirement in peak earning years.

I'd look at it this way: yes, you're losing something (less income), but that income is essentially meaningless in the big picture. It's OK to acknowledge you're giving up the income, but for something more important - quality of life.
by prudent
Fri Sep 15, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Appliance sale ends next week, kitchen reno scheduled for Oct/Nov
Replies: 7
Views: 692

Re: Appliance sale ends next week, kitchen reno scheduled for Oct/Nov

To lock in $1000 savings, I'm keeping my car outside and the new range goes in the garage until they need it during the renovation. Unless you're OK keeping the old range until the sale rolls around again.
by prudent
Fri Sep 15, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 906

Re: Equifax security manager had a music degree -- what?

Topic is locked (not personal, not actionable).
by prudent
Wed Sep 13, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Take Pay cut close to retirement for sanity purposes?
Replies: 17
Views: 1841

Re: Take Pay cut close to retirement for sanity purposes?

I would do it if I wasn't depending on the lesser role continuing indefinitely. Where I worked they were pretty good with letting people move to part time in the same role but more picky about people moving down to a lower position + staying full-time + moving down in pay. Their reasoning was "it of...
by prudent
Wed Sep 13, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: setting up a wireless printer
Replies: 8
Views: 732

Re: setting up a wireless printer

Probably the easiest solution is to google "Dell [model number] setup" - most likely there will be a link to the instructions on Dell's site. If that fails, go to the Dell support site and enter the model number of the printer.
by prudent
Wed Sep 13, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4587

Re: China to ban petrol cars

Topic is locked (not investing related).
by prudent
Sat Sep 09, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 26
Views: 1786

Re: First Class Stamps on Large Packages

US postage stamps don't expire ever. You could mail things with unused stamps from the 1860's (although that would not be financially wise). If you can get the stamps on the box - even if it's on all 6 sides - it's good to go. Another take on "if it fits, it ships". :)
by prudent
Wed Sep 06, 2017 8:13 pm
Forum: Forum Issues and Administration
Topic: [Difficult to read replies to questions]
Replies: 11
Views: 1361

Re: To MS LADY GEEK: changing title of recent thread

Maybe increasing the zoom factor in the browser might help.

Also moved this topic to Forum Issues and Administration.
by prudent
Wed Sep 06, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8688

Re: When calculating net worth, how do you value your house?

I include it for net worth purposes at a value I found on Zillow about 3 years ago. I'm sure it's not super-accurate but by the same token it doesn't really affect my planning currently. If I am off $5K, $50K or $200K it wouldn't change anything I'm doing or planning to do. When the day comes when w...