Search found 3758 matches

by prudent
Tue Aug 04, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Congratulations, You’ve won a million dollars ....
Replies: 20
Views: 4856

Re: Congratulations You’ve won a million dollars ....

At a 3% interest rate, $577K.
At a 4% rate, $494K.
At 5%, $429K.

Here's a calculator https://financialmentor.com/calculator/ ... calculator
by prudent
Sat Aug 01, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: What precautions are other universities taking?
Replies: 26
Views: 1319

Re: What precautions are other universities taking?

Topic is locked, not actionable.
by prudent
Thu Jul 23, 2020 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to exit onerous trust and management fees?
Replies: 55
Views: 2539

Re: Is it possible to exit onerous trust and management fees?

2) How is the quality of the services provided by any of these trust companies that I mentioned? Does anyone have any recommendations for Vanguard, Schwab, or Fidelity as a corporate trustee? These are not banks or trust companies, but brokerages. Any of them would make a good trustee if they were ...
by prudent
Mon Jul 13, 2020 7:38 pm
Forum: Personal Investments
Topic: Invest in mediocre 401k?
Replies: 14
Views: 810

Re: Invest in mediocre 401k?

What is your tax bracket?
by prudent
Fri Jul 03, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Risk with a malfunctioned fuel gauge
Replies: 51
Views: 2076

Re: Risk with a malfunctioned fuel gauge

When I was broke and couldn't afford to fix my old car's fuel gauge, I just put a little notebook in the sun visor. Filled up the tank, noted the mileage. Checked the notebook and odometer every time I got in the car. If I had driven 150 miles, then I'd fill it up again. Worked OK for about a year a...
by prudent
Sat Jun 27, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Erie insurance - experience?
Replies: 16
Views: 929

Re: Erie insurance - experience?

notmyhand wrote:
Sat Jun 27, 2020 2:11 pm
Thanks for responding! How did you know about the fireplace problem? Did they come out and look before quoting or some other way?
To get the quote for homeowners I had to complete a pretty detailed questionnaire, and they didn't like my answers about the fireplace.
by prudent
Sat Jun 27, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Erie insurance - experience?
Replies: 16
Views: 929

Re: Erie insurance - experience?

They are selective with who they will cover. We had them for auto for many years but they wouldn't cover our home because of the way the fireplace was installed. We didn't feel it was necessary to put a lot of money into a working fireplace so we got homeowners elsewhere. Eventually the savings of h...
by prudent
Tue Jun 23, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: How do restaurants add value?
Replies: 8
Views: 1026

Re: How do you restaurants add value?

Topic is locked (off-topic). Forum policy rules#rule-3b states:
This subforum is for all questions about your (or your friend's or family's) actual investments or investment planning.
by prudent
Mon Jun 22, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 43
Views: 3331

Re: Verizon Visa

That is strange - 4% on groceries/gas (that's pretty good), 3% on dining (also pretty good), then only 2% on VZ purchases. You'd think they give the best discount on their own stuff. I couldn't find any reference to an annual fee (or a reference to say there is no annual fee).
by prudent
Mon Jun 22, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 43
Views: 3331

Re: Verizon Visa

The promotion seems to be limited to VZ wireless customers. The T&C state the VZ discount would apply to FIOS as well, but it doesn't seem like you can apply for the card unless you have VZ wireless.
by prudent
Sun Jun 21, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a PMP and is it worth it?
Replies: 38
Views: 3638

Re: Cost of a PMP and is it worth it?

I took the equivalent of the Velociteach exam prep class, and bought their workbook, flash cards, and online access to their practice questions. Used the workbook in conjunction with the classes, then after I finished the 35 hours I reviewed the workbook and worked with the flash cards. Played with ...
by prudent
Sun Jun 21, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a PMP and is it worth it?
Replies: 38
Views: 3638

Re: Cost of a PMP and is it worth it?

The only cost I had was for the education hours and the test. Get the 35 education hours from Velociteach or RMC - you absolutely want classes that are tailored to exam prep, not just generic PM classes.They also have study aids you can purchase. Both companies have quality material. The practice ex...
by prudent
Thu Jun 18, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Dash cam with collision warning recommendations
Replies: 12
Views: 625

Re: Dash cam with collision warning recommendations

I didn't know such things existed but they do https://buy.garmin.com/en-US/US/p/587334 Front Collision warning (audio and visual), lane departure warning, continuous video recording when plugged in to power source, recordings are GPS- and time-stamped, motion detect feature activates recording if ve...
by prudent
Thu Jun 18, 2020 5:17 am
Forum: Personal Finance (Not Investing)
Topic: What's the best way to buy and sell gold/silver coins?
Replies: 14
Views: 1193

Re: What's the best way to buy and sell gold/silver coins?

Are these collectible coins, or is their value just based on the gold/silver content?
by prudent
Fri Jun 05, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Nursing home has requirements for employees' private lives due to covid
Replies: 38
Views: 2747

Re: Nursing home has requirements for employees' private lives due to covid

Topic is locked (off-topic, not a consumer issue). From forum policies : This subforum is focused on making informed decisions about consumer goods and services (other than investing or financial). Acceptable topics include: - consumer goods and services (e.g., dress shirts, laptops, software) - ho...
by prudent
Tue Jun 02, 2020 6:01 am
Forum: Investing - Theory, News & General
Topic: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé
Replies: 46
Views: 3948

Re: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé

Many gaps can be obscured by only showing the years of previous position (not month/year). If you're worried, address it up front and put the gap on the resume as if it was a job
2020-2021 COVID-19 quarantine required by doctor for protection of newborn
by prudent
Sat May 30, 2020 6:36 am
Forum: Forum Issues and Administration
Topic: What does OP stand for?
Replies: 12
Views: 1858

Re: What does OP stand for?

There's a comprehensive list of abbreviations and acronyms in the wiki: https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms
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: 2741

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: 1447

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: 1447

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: 71
Views: 4853

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: 696

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: 5495

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: 2458

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: 285

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: 5126

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: 2000

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: 251

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: 570

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: 7459
Views: 606451

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: 46
Views: 7053

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: 3454

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: 3145

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: 2844

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: 11
Views: 850

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: 2939

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: 198

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: 2939

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: 22
Views: 2086

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: 2621

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: 8247

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: 159

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: 869

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: 1189

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: 254

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: 2058

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: 206
Views: 21647

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: 142
Views: 9939

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: 212

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.