Search found 3451 matches

by prudent
Tue Jun 25, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Thank you, Honda - repair story
Replies: 17
Views: 1609

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: 3652

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: 3540

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: 9824

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: 20
Views: 1267

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: 20
Views: 1267

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: 3540

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: 2270

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: 37378

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: 3070

Re: Maternity and Paternity leave policies

After review, the thread will remain locked (contentious, unable to stay on topic).
by prudent
Tue Jun 18, 2019 3:59 pm
Forum: Personal Investments
Topic: Big changes, Retirement is Imminent
Replies: 23
Views: 2835

Re: Big changes, Retirement is Imminent

Your 10-year cash stash will take you just about to age 70, when SS starts. Of your other investments, what % each year will you need beyond your SS income and pension?
by prudent
Tue Jun 18, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a CFP
Replies: 13
Views: 1296

Re: Becoming a CFP

You probably found this out already, but it will take some time, as one of the requirements is 6,000 hours of full-time relevant personal financial planning experience, or 4,000 hours of apprenticeship under the direct supervision of a CFP.
by prudent
Tue Jun 18, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I've been on it for over a year. For sure there are lots of lost pet posts, but it opened up a world of resources I didn't know about - people in my neighborhood who do side jobs like landscaping, tree trimming, electrical, etc. at good prices. It only took a few months to see which names were unive...
by prudent
Mon Jun 17, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3729

Re: Short-term money needs for Executor of Estate

I don't think there HAS to be enough to cover everything that may be needed to wrap up an estate. Funeral homes will give 30 days to pay - by that time life insurance proceeds should be in hand, and once the executor/representative has been established then all assets are available. My friend who I ...
by prudent
Thu Jun 13, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3944

Re: Best source for buying Gold Coins

I haven't bought gold coins for a few years, but I see a 22ct gold American Eagle is available. Is this a new offering? Perhaps I overlooked them. I'm glad I didn't order a couple of American Eagles instead of the American Buffalo proofs by mistake. The 6 gold coins I have are all American Buffalo ...
by prudent
Thu Jun 13, 2019 12:05 pm
Forum: Personal Investments
Topic: DIY for UHNW
Replies: 41
Views: 2832

Re: DIY for UHNW

I congratulate you on your achievements, that's fantastic. Even though I believe you can successfully manage any amount of money in Bogleheads style, there are other complexities that come with that level of assets. Estate planning, tax management, asset protection, risk management, philanthropy, co...
by prudent
Thu Jun 13, 2019 11:18 am
Forum: Forum Issues and Administration
Topic: Acronyms
Replies: 7
Views: 602

Re: Acronyms

I don't believe it's possible to have acronyms hyperlinked but we have a wiki page for just such an occasion. :) The Bogleheads wiki is a fantastic resource for just about everything that gets discussed here.

https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms
by prudent
Wed Jun 12, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3729

Re: Short-term money needs for Executor of Estate

From conversations with friends, I've heard a couple different scenarios. In one case the deceased had the executor as a joint owner on a checking account, and the executor got those funds with no delay. Another intended to use the insurance proceeds only to find out that a child (not the estate) wa...
by prudent
Tue Jun 11, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3134

Re: Good Rx

I removed some off-topic posts. Please stay on topic (GoodRx, similar prescription discount cards).
by prudent
Tue Jun 11, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3134

Re: Good Rx

Couple questions. We recently were prescribed a prescription medication that has a cost of $250. Looking at GoodRx, we might be able to get it for $90. 1) What is GoodRx and why are prescriptions cheaper using them than otherwise? Here's one of the more detailed explanations I've run across: https:...
by prudent
Tue Jun 11, 2019 9:05 am
Forum: Forum Issues and Administration
Topic: Accessing draft posts to send
Replies: 2
Views: 223

Re: Accessing draft posts to send

Upper right of the page, click the down arrow next to your username. Select User Control Panel. Then on the left side you'll see "Manage Drafts" .
by prudent
Mon Jun 10, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 37378

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

I removed some off-topic posts. Comments on the fairness of compensation or healthcare system governance are off-topic.
by prudent
Thu Jun 06, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating Inflation in Retirement
Replies: 35
Views: 2565

Re: Estimating Inflation in Retirement

https://www.bls.gov/opub/ted/2012/ted_20120302.htm That data is from 2012 but it talks about the goverment-calculated Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) compared to the CPI for the elderly (CPI-E). It shows that from 1982-2011, CPI-E rose an average of 3.1% annu...
by prudent
Thu Jun 06, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Suggestions for an "Off-topic" forum [other than Bogleheads]
Replies: 6
Views: 779

Re: Suggestions for an "Off-topic" forum

The OP appears to be asking where besides here he could post such things.
by prudent
Wed Jun 05, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Automobile Dealer's Finances:
Replies: 5
Views: 471

Re: Automobile Dealer's Finances:

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
Mon Jun 03, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to Evaluate Home Owners Insurance
Replies: 5
Views: 571

Re: How to Evaluate Home Owners Insurance

One thing to look at is what "form" is being offered. See https://www.esurance.com/info/homeowners/types-of-homeowners-insurance-explained . The HO-5 form gives the broadest coverage (everything is covered unless specifically excluded - called "open peril"). That's better than a policy that lists wh...
by prudent
Mon Jun 03, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Do you know someone who has anti-boglehead lifestyle?
Replies: 9
Views: 965

Re: Do you know someone who has anti-boglehead lifestyle?

Topic is locked (off-topic, stupidity of other people). Forum policy states: 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 policies conspiracy theories of a...
by prudent
Mon Jun 03, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1432

Re: Reliable Wireless Mouse?

I have a Logitech M325 wireless mouse, 3-button (push down on wheel for "middle button"), and the wheel pivots left/right to serve as back/forward when viewing web pages. Owned it for 4-5 years, only replaced batteries twice. If it died tomorrow I'd still be quite satisfied for under $15.
by prudent
Mon Jun 03, 2019 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Other things to negotiate than salary
Replies: 7
Views: 907

Re: Other things to negotiate than salary

I don't think I would propose reduced working hours in a hiring negotiation assuming it is a salaried position. Negotiable items will depend on the level of the position. The higher the position, the more extras that could be negotiated. But I have seen people negotiate themselves right out of an of...
by prudent
Tue May 28, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Home sale (Estate)
Replies: 33
Views: 1414

Re: Home sale (Estate)

Close relatives dealing with a similar situation. The executor decided to get a real estate agent to suggest what would be the best use of $5K to spruce up the house. He told me the home needed more work than that to get it to the point where an inspection would be 100% clean, but since no one lives...
by prudent
Tue May 28, 2019 8:33 am
Forum: Forum Issues and Administration
Topic: Question about Site Search on Bogleheads
Replies: 7
Views: 425

Re: Question about Site Search on Bogleheads

Google is pretty quick to index posts. I chose at random one new topic from yesterday and Google already had it.

You can also use "Advanced Search" (top right of page, gear icon) where you can filter on how recent the search results are.
by prudent
Fri May 24, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 4987

Re: American Express lowered my credit limit

got the same letter this week. Any impact on credit score? Available credit doesn't have an impact. Credit utilization does. You'll start to notice a drop at about 25% utilization in my experience. If your credit history is otherwise solid, you will still qualify for the best rates so it's not wort...
by prudent
Thu May 23, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2307

Re: New furnace and air conditioner

Something to consider when getting quotes - a lot of different brands are made by the same manufacturer and one "name" could be less than another "name" for nearly identical units. Goodman also makes Amana and Daiken. United Technologies makes Carrier, Bryant, Day & Night and Payne. Day & Night is s...
by prudent
Wed May 22, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: PTO -- use it, or cash it out?
Replies: 23
Views: 3332

Re: PTO -- use it, or cash it out?

Does taking PTO count toward your overtime in a given week? For example, if you take 24 hours of PTO and work 2 x 24 hr shifts, do you get 8 hours of overtime pay, or 32? Probably 8 but want to be sure. I think that's the key point. Our company pays overtime when you have more than 40 hours worked ...
by prudent
Wed May 22, 2019 10:05 am
Forum: Personal Investments
Topic: Fidelity 401k brokeragelink fund review
Replies: 9
Views: 479

Re: Fidelity 401k brokeragelink fund review

Be sure to understand any expenses you could incur by going through the BrokerageLink - your 401k plan may charge an annual fee for using BrokerageLink, and charge commissions on purchases/sales. You wouldn't necessarily want to lose a meaningful chunk of periodic investments to such fees. For examp...
by prudent
Wed May 15, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3167

Re: Police and Troopers fund.

Blocking numbers will help but I have found it only blocks calls from the "legit" charities who don't fake their caller ID info. About 80% of our spam calls show essentially random phone numbers and blocking them is a futile endeavor. They don't use the same caller ID info twice.
by prudent
Wed May 15, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 18
Views: 1764

Re: Usefullness of 2 in 1 laptops?

Some years back I was involved in a pilot program with Windows Tablet PC software. The conversion of pen writing to text was outstanding. I demonstrated some examples to co-workers and they couldn't believe it. But the issue was that taking notes in a meeting involves so many shortcuts it wasn't a s...
by prudent
Tue May 14, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3167

Re: Police and Troopers fund.

I am all for supporting first responders of all kinds but only directly; i.e. to my township fire/police/EMS. There are dozens if not hundreds of nice-sounding fundraisers which skim off 90% of the donations and many of them are of the police/fire and disease research variety. In the last couple of ...
by prudent
Tue May 14, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6068

Re: Car lost acceleration

Topic is locked (topic exhausted, going off-topic).
by prudent
Mon May 13, 2019 2:31 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4247

Re: Email to my Edward Jones Rep

OP, welcome. I truly understand your feeling that going through this exercise is the right thing to do given the length of your relationship. But it is useless. I saw it first-hand with relatives. The super-nice advisor who doted on my relative for decades was gone in a flash once he knew the money ...
by prudent
Sun May 12, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 7910

Re: Inherited ranch

I'm in the "no" camp. Saw the same situation cause massive discord in a relative's family. Even if there's no solution that makes everyone happy, avoid the inter-family loan option at all costs. I'll spare everyone the details but it came down to the person who wanted the land just stopped making pa...
by prudent
Wed May 08, 2019 6:07 am
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2083

Re: What’s in your pocket?

This thread has run its course and is locked (not actionable). 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 of someone specific, such as a family member. - It must be...
by prudent
Tue May 07, 2019 2:39 pm
Forum: Personal Investments
Topic: Cheering for a crash
Replies: 25
Views: 1930

Re: Cheering for a crash

Topic is locked, general comment threads are off-topic. If you want to discuss market declines, there's a megathread for that: U.S. stocks in free fall
by prudent
Mon May 06, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 3756

Re: Winter Tires All Year?

I keep winter tires on all year because another set of tires is $600 and although they will wear faster, I don't drive enough for that to be a concern.
by prudent
Mon May 06, 2019 7:47 am
Forum: Personal Investments
Topic: Excel Download of a Vanguard Mutual Fund holdings?
Replies: 3
Views: 296

Re: Excel Download of a Vanguard Mutual Fund holdings?

OP is asking how to download what the mutual fund holds.
by prudent
Sat May 04, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: How much House should I Buy?
Replies: 51
Views: 4609

Re: How much House should I Buy?

Topic moved to Personal Consumer Issues.
by prudent
Fri May 03, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Private Sector Job or Stay with State Job
Replies: 13
Views: 1550

Re: Private Sector Job or Stay with State Job

Topic moved to Personal Consumer Issues.
by prudent
Thu May 02, 2019 2:40 pm
Forum: Personal Investments
Topic: Portfolio Realignment Nightmare
Replies: 11
Views: 1175

Re: Portfolio Realignment

Welcome!

Please edit your post (using the pencil icon in the upper right of your post) to include the names of the funds/stocks. It's unlikely people will know what they are from their ticker symbols.