Search found 3209 matches

by prudent
Tue Sep 18, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 20
Views: 1706

Re: Elderly parents are in debt - Need advice

Are their debts jointly held or only in your father's name?
by prudent
Tue Sep 18, 2018 5:39 am
Forum: Personal Consumer Issues
Topic: Color copier recommendations?
Replies: 10
Views: 640

Re: Color copier recommendations?

We also have a Xerox 8570 solid ink printer. Sadly they no longer make it but we’ve liked it a lot. It has two trays and can also do single or double-sided but no stapling, no copying and no faxing; dedicated printer only. If you buy only official supplies from recommended vendor, lifetime on-site ...
by prudent
Mon Sep 17, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Alternative investments - Art, memorabilia, artifacts, antiques
Replies: 17
Views: 1104

Re: Alternative investments - Art, memorabilia, artifacts, antiques

I have worked in the coin business (helping a friend who does it for a career) and I think it's similar to most collectibles. It can work out financially for the few who are very passionate about the field they invest in, and most people aren't as passionate as they believe they are. The knowledgeab...
by prudent
Fri Sep 14, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use Wechat?
Replies: 10
Views: 489

Re: Is it safe to use Wechat?

I have a relative with a cybersecurity degree who works in China as a teacher. He uses it but to my dismay he does not care about being monitored. It's like the old story about the shoemaker's children - his interest in cybersecurity only extends to employers. On a personal level he just figures the...
by prudent
Thu Sep 13, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to set up my own Will
Replies: 5
Views: 479

Re: How to set up my own Will

Topic moved to Personal Finance (Not Investing).
by prudent
Wed Sep 12, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2510

Re: The Atlantic: 'Why is College In America So Expensive?'

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
Tue Sep 11, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Vanguard electronic bank transfers
Replies: 22
Views: 2023

Re: Vanguard electronic bank transfers

Topic moved to Personal Consumer Issues.
by prudent
Mon Sep 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Smart plug to reboot router?
Replies: 14
Views: 1137

Re: Smart plug to reboot router?

There are probably other options but here's one I found. http://www.digital-loggers.com/autoping.html
by prudent
Thu Sep 06, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1754

Re: Yellowstone and Grand Teton must see and do

Topic moved to Personal Consumer Issues.
by prudent
Wed Sep 05, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7436

Re: Should I keep my financial advisor

No questions yet really about managing money myself. I just wanted to make sure I wasn't making a mistake by letting my advisor go. I just don't want to go solo if having a financial advisor is better. I have heard people say(outside of this forum) , its best to have experts manage your money. Also...
by prudent
Wed Sep 05, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6691

Re: Walmart is not Amazon

I believe the OP is comparing Walmart online (not B&M) to Amazon.
by prudent
Tue Sep 04, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?
Replies: 110
Views: 5516

Re: Does it make sense to invest in individual stocks (like Kanye West) if you stick to what you know?

Confirming that we verified that the post three up from here is from Jonathan Clements, author and former WSJ writer.
by prudent
Mon Sep 03, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3122

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

prudent, I have a question on the risks you mentioned in you previous post; basically if it's so risky why are people who have gotten very rich, like Bezos, and don't need to get richer but should be more interested in capital preservation - why are they concentrated in a single stock instead of in...
by prudent
Mon Sep 03, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6691

Re: Walmart is not Amazon

We've been using Walmart (only sold/shipped by Walmart, no third-party) more for online shopping and going ship-to-store. Since there have been a couple issues with inadequate packaging leading to some damaged items, we like being able to pick up at Walmart, open the boxes right there, and if someth...
by prudent
Mon Sep 03, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3122

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

steve321, do you have any more specific questions on this topic? It looks like things are getting repetitive, and all sides of the issue have been discussed.
by prudent
Mon Sep 03, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3122

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

It seems you are determined to pick individual stocks. You have already seen all the arguments that caution against that strategy. Even so, it might work out better for you than staying with index funds if you pick the right stocks. Or it might not. People with a long-term view of their investments ...
by prudent
Mon Sep 03, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6691

Re: Walmart is not Amazon

Topic moved to Personal Consumer Issues.
by prudent
Thu Aug 30, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Mother-in-law moves in...should she pay for extra household costs?
Replies: 10
Views: 1073

Re: Mother-in-law moves in...should she pay for extra household costs?

This thread has run its course and is locked (relationship issues are off-topic). 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 goods and services and recreational activities. An...
by prudent
Thu Aug 30, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: What do you order for drinks at wedding?
Replies: 12
Views: 1039

Re: What do you order for drinks at wedding?

This thread has run its course and is locked (below acceptable threshold). See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. In general, controversial, offensive, pointless, divisive or mean-spi...
by prudent
Tue Aug 28, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: What do you know about LPL Financial?
Replies: 26
Views: 2398

Re: What do you know about LPL Financial?

Some relatives used an advisor that was affiliated with LPL. LPL was basically behind the scenes - that's where the statements came from, and it had the advisor's name printed on them, but all other communications were through the advisor and the firm that the advisor worked for. It seemed to me tha...
by prudent
Tue Aug 28, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2585

Re: Cars... just another tool unless your a tool.

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
Wed Aug 22, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 4896

Re: Is divorce a wise financial move?

Topic is locked (derailed).
by prudent
Fri Aug 17, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Question on Source of Roth Funding
Replies: 12
Views: 694

Re: Question on Source of Roth Funding

Topic is locked (use more detailed thread from OP here: viewtopic.php?f=1&t=256344 ).
by prudent
Fri Aug 17, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on where to keep safe money
Replies: 10
Views: 1498

Re: Need advice on where to keep safe money

Topic moved to Personal Finance (Not Investing).
by prudent
Thu Aug 16, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3114

Re: Celebrating the day you retired

My father worked his job for 35 years and was well-liked by the others in his department and his manager. As the day of retirement approached his manager told my father they wanted to go out to lunch with the whole group to celebrate. My father, never one to be the center of attention, said absolute...
by prudent
Thu Aug 16, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Article: A family of 3 gets by in San Francisco without anyone working a job
Replies: 9
Views: 1620

Re: Article: A family of 3 gets by in San Francisco without anyone working a job

Topic is locked (not investing related). See: Non-actionable (Trolling) 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
Sun Aug 12, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do billionaires reduce taxes?
Replies: 7
Views: 1158

Re: How do billionaires reduce taxes?

This topic is locked (not personal nor actionable). As a reminder, 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....
by prudent
Thu Aug 09, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Is index Capital Gains for inflation happening? Good or bad?
Replies: 1
Views: 292

Re: Is index Capital Gains for inflation happening? Good or bad?

Topic is locked (discussion about possible legislation, which is not allowed by forum policy). See: 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 this rule are: Common r...
by prudent
Thu Aug 09, 2018 6:09 pm
Forum: Forum Issues and Administration
Topic: Private Messages stuck?
Replies: 8
Views: 515

Re: Private Messages stuck?

PM's stay in your Outbox until the recipient opens them. Then they move to your Sent folder.
by prudent
Thu Aug 09, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4664

Re: If it were March, 2000, would you still allocate 50% to Stocks?

This thread has run its course and is locked (topic exhausted, getting contentious).
by prudent
Thu Aug 02, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: NT
Replies: 20
Views: 1301

Re: NT

Topic is locked, OP has been deleted.
by prudent
Thu Aug 02, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Lease/ buy a second car for cost savings?
Replies: 18
Views: 732

Re: Lease/ buy a second car for cost savings?

Don't know if this would help but in case you make regularly scheduled flights for your trips, I had a friend who needed to make the same Sunday-Thursday out of town trip every 2 weeks for a long time. What he did was buy round-trip flights that originated in the far city, which meant his round-trip...
by prudent
Thu Aug 02, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: NT
Replies: 20
Views: 1301

Re: Advisor trying to convince me to buy annuities

For these situations, I adopted the "I'm not interested, thanks" response. It works well if you refuse to explain your reasoning. Do. Not. Explain. "Mr. Prudent, what about the product makes you not interested?" <probing for a specific so he can refute it> I'm not interested. That's all. "I really b...
by prudent
Wed Aug 01, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Deciding between life insurance companies
Replies: 6
Views: 418

Re: Deciding between life insurance companies

Topic moved to Personal Consumer Issues.
by prudent
Tue Jul 31, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Question to retirees - money or work/life balance?
Replies: 46
Views: 5428

Re: Question to retirees - money or work/life balance?

I'm not retired but I have intentionally limited my career path in order to have the work/life balance I wanted. Luckily it has worked out so far, it took some years before I realized things could have easily not gone well. But the various managers I worked for seemed pleased to have an outperformer...
by prudent
Tue Jul 31, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3160

Re: The Guy with the Weird Portfolio

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Jul 31, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for high income individuals in taxable account
Replies: 18
Views: 1464

Re: Bonds for high income individuals in taxable account

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Jul 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: soccer practice next to highway during rush hour
Replies: 8
Views: 953

Re: soccer practice next to highway during rush hour

This thread has run its course and is locked (related to health issues which are off-topic by forum policy). See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. And Questions on medical issues are...
by prudent
Thu Jul 26, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying a Gold Coin online for future Jewelry
Replies: 25
Views: 1245

Re: Buying a Gold Coin online for future Jewelry

I would not consider a gold coin for that purpose. a 1 ounce gold coin contains an ounce of gold but it also contains small amounts silver and copper, otherwise if its pure gold it would be too pliable for use as a coin. if you want pure gold, buy a .999+ gold "bar" which come in 1 ounce sizes. Not...
by prudent
Wed Jul 25, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3483

Re: Invest in guaranteed return or stock market?

OK, I'll assume "guaranteed" covers both the 4% return as well as the principal, and that it is a 100% iron-clad guarantee. I would consider - -length of time the money will be unavailable to me (I might not want to have my money locked up for many years) -my personal risk tolerance (guaranteed retu...
by prudent
Wed Jul 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Where can I rent a Volvo?
Replies: 21
Views: 1711

Re: Where can I rent a Volvo?

Topic moved to Personal Consumer Issues.
by prudent
Mon Jul 23, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Large Variance in Credit Scores?
Replies: 6
Views: 538

Re: Large Variance in Credit Scores?

Not only are there different scoring models, some models use a different scale. FICO scores top out at 850. VantageScore 3.0 also tops out at 850. The earlier versions of VantageScore go up to 990. So you need to see what model they are using.
by prudent
Mon Jul 23, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for credit card
Replies: 35
Views: 2870

Re: Turned down for credit card

Have him go back to his bank and talk to the branch manager. Explain that he needs a bank that will work with him as his banking needs grow and he wants to know why, with $30K on deposit, they declined him for a credit card. I think that will get him a credit card. If not, there are many other banks...
by prudent
Mon Jul 23, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3731

Re: Guilt at buying nice things for myself

You know you're saving enough but you still feel guilty if you buy something - only you can resolve that. What I do is budget for a "personal happiness" category. As long as I stay within that budget, I'm not splurging because I planned for it, and I don't feel guilty. If you don't budget for such t...
by prudent
Fri Jul 13, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 752

Re: Thesaurus Help Please

This thread is locked (below threshold for Personal Consumer Issues). See: Personal Consumer Issues
Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums...
by prudent
Wed Jul 11, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Can I use Fidelity's BrokerageLink to avoid 401k fees?
Replies: 14
Views: 983

Re: Can I use Fidelity's BrokerageLink to avoid 401k fees?

Rules for these arrangements are plan-specific. Our 401k calls these plans "Self-Directed Brokerage Accounts". Our 401k custodian is Prudential and that's the brokerage we must use. It's $100/year to have an SDBA. Commissions on trades are high - $19.95. But our company absorbs the recordkeeping and...
by prudent
Mon Jul 09, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 1057

Re: Cost of adding AC and change pipes to old house

Topic moved to Personal Consumer Issues.
by prudent
Sat Jul 07, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2709

Re: Having first child - Life Insurance question

Topic moved to Personal Finance (Not Investing).
by prudent
Sat Jul 07, 2018 7:03 pm
Forum: Forum Issues and Administration
Topic: New Forum User - how fast do PM get sent?
Replies: 7
Views: 625

Re: New Forum User - how fast do PM get sent?

They stay in your Outbox until the recipient reads it. Then it will move to your Sent Messages folder.
by prudent
Fri Jul 06, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Card Denying Numismatic Material Charges
Replies: 4
Views: 1074

Re: Citi Card Denying Numismatic Material Charges

You might try asking on the PCGS US Coin Forum - lots of folks there buy/sell coins on ebay regularly. If Citi has done this to others chances are somebody there has heard about it.

https://forums.collectors.com/categories/u-s-coin-forum