Search found 3294 matches

by prudent
Mon Jan 21, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1522

Re: Federal Workers

This thread has run its course and is locked (rant, not actionable, not a consumer issue). See: Personal Consumer Issues
Note that topics must be directly connected to your (or your friend's or family's) life as a consumer. General comments or complaints about these topics will be removed.
by prudent
Mon Jan 21, 2019 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: selecting investment firm
Replies: 20
Views: 1024

Re: selecting investment firm

I will assume you rated the firms using the criteria most important to you, so you should go with Fidelity. Nothing to fear.
by prudent
Thu Jan 17, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3882

Re: Fun with Amazon

Topic is locked (derailed).
by prudent
Thu Jan 17, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Thoughts on Jordan Peterson books/videos?
Replies: 4
Views: 717

Re: Thoughts on Jordan Peterson books/videos?

Topic is locked (not a consumer issue). 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) - home maintenance - vehicle purchase...
by prudent
Wed Jan 16, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6602

Re: A co-worker makes more than me

Topic locked for moderator review.
by prudent
Wed Jan 16, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5966

Re: Gillette Mach 3 alternatives

A number of off-topic posts were removed. Please limit responses to the topic. Posts related to current events are off-topic.
by prudent
Tue Jan 15, 2019 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11325

Re: Biggest Investment Mistake

Bought some pink sheet stock from a cold call just after I landed my first real job. Guy was from my neighborhood but not actually a friend. I had read plenty about investing before that happened and although I understood the mechanics of investing, I knew nothing about boiler shops. I figured a loc...
by prudent
Mon Jan 14, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8431

Re: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]

Someone on Reddit who claims to be an ex-employee of Vanguard says the real reason they're doing this is because the people who were using these ended up being high volume customers and their system cannot handle more than 10k trades per year per account. Any more than 10k and their employees have ...
by prudent
Mon Jan 14, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 36
Views: 2659

Re: Credit score dropped dramatically, while credit has been frozen

Perhaps different scoring models? FICO vs VantageScore, and/or different industry-specific score versions (you can have one FICO score for a mortgage and a different FICO score for financing a car, etc.).
by prudent
Mon Jan 14, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12673

Re: Recommendations for a 9mm handgun

Topic is locked (exhausted, no follow-ups from OP).

OP, send a PM to a moderator if you want to further discuss and re-open the topic.
by prudent
Fri Jan 11, 2019 6:42 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 470
Views: 106652

Re: Forum software upgrade bug reports and change requests

tadamsmar wrote:
Fri Jan 11, 2019 6:22 am
The post times on the main page (www.boglehead.org) are 1 hour less than the times in the actual posts.
See LadyGeek's post here: viewtopic.php?f=3&t=264982&p=4233190#p4233190
by prudent
Tue Jan 08, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12673

Re: Recommendations for a 9mm handgun

It is a consumer issue and is on-topic. Please limit responses to the OP's question. Off-topic replies have been removed.
by prudent
Mon Jan 07, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone affected by the government shutdown?
Replies: 35
Views: 3016

Re: Anyone affected by the government shutdown?

After review, the topic will remain locked.
by prudent
Sat Jan 05, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7143

Re: Strategies to combat or justify lifestyle creep

Anyway, it isn't just about the specific car. I am trying to wrap my brain around any similar large purchase where your heart REALLY wants to spend the money while your brain REALLY wants to keep and invest it. We aren't overly frugal if the issue is experiences/travel/vacations (not that we are ex...
by prudent
Wed Jan 02, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1857

Re: Using less plastic

Topic is locked (topic derailed).
by prudent
Wed Dec 26, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Windows 10 print menu "selection only" missing
Replies: 10
Views: 539

Re: Windows 10 print menu "selection only" missing

Are you seeing that with all programs on your computer? Or just one?
by prudent
Mon Dec 24, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Should I book losses this year....then Buy back in?
Replies: 12
Views: 1128

Re: Should I book losses this year....then Buy back in?

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Dec 21, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Lap top recommendation
Replies: 42
Views: 2103

Re: Lap top recommendation

Topic moved to Personal Consumer Issues.
by prudent
Thu Dec 20, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6060

Re: Should I buy a Tesla?

Topic is locked (derailed, and OP has posted his decision).
by prudent
Tue Dec 18, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: What some one did to package thief
Replies: 1
Views: 513

Re: What some one did to package theif

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 Dec 10, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Great Personal Loss – Guidance and Financial Questions
Replies: 36
Views: 5029

Re: Great Personal Loss – Guidance and Financial Questions

Sincere sympathy to you, I know how this situation affected my dad. What helped him greatly was a grief counselor from a local hospice. Beyond a listening ear they had some books that he found comfort in. Perhaps such a resource is available where you are.
by prudent
Fri Nov 30, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4628

Re: How do Bogleheads justify taking vacation?

Topic is locked (topic exhausted).
by prudent
Fri Nov 30, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting strategies
Replies: 21
Views: 1880

Re: Budgeting strategies

Topic moved to Personal Finance (Not Investing).
by prudent
Fri Nov 30, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Experience with return at Guitar Center yak!
Replies: 3
Views: 400

Re: Experience with return at Guitar Center yak!

Topic is locked (not actionable, general rant).
by prudent
Thu Nov 29, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2076

Re: Buying with no interest

It's been a while, but once we were buying a couple items of furniture and they were offering 0% for 12 months. I wanted to pay with my cashback credit card and asked what the price would be if I paid now instead of taking the 0% deal figuring there would be some type of discount. The salesperson go...
by prudent
Thu Nov 29, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: How Important is FDIC Insurance
Replies: 20
Views: 1755

Re: How Important is FDIC Insurance

Use the calculator here: https://www5.fdic.gov/edie/ . You might find because of the way your CDs are titled, everything is covered by FDIC insurance.
by prudent
Thu Nov 29, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: 401K vs Roth 401K
Replies: 20
Views: 1994

Re: 401K vs Roth 401K

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Nov 27, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Encouraging a 20-yr old graduate to focus. Help!
Replies: 6
Views: 866

Re: Encouraging a 20-yr old graduate to focus. Help!

Topic is locked (not a financial issue).
by prudent
Tue Nov 27, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Do not sign a "confession of judgment" when getting a loan!
Replies: 3
Views: 1063

Re: Do not sign a "confession of judgment" when getting a loan!

This thread has run its course and is locked (not personal nor 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....
by prudent
Mon Nov 26, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Do I need a financial advisor?
Replies: 16
Views: 1449

Re: Do I need a financial advisor?

That is a difficult situation many are facing, including some in my own extended family. Will today's trusted advisor end up taking advantage of a surviving spouse once the knowledgeable investor has passed away, like carolinaman mentioned? Even if that doesn't happen, what if the trusted advisor st...
by prudent
Sat Nov 24, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Most secure bank
Replies: 23
Views: 1786

Re: Most secure bank

I don't worry about my bank getting hacked. If they do, I won't lose any money because the bank will make good. If they didn't, they'd lose every customer. I put my efforts into making sure *I* don't get hacked - because then it becomes MY problem, not the bank's. I would never go over the FDIC limi...
by prudent
Fri Nov 23, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Self-Directed Brokerage Option for 401(k)
Replies: 9
Views: 478

Re: Self-Directed Brokerage Option for 401(k)

The specific details depend on the rules of your 401k plan. Ask your plan administrator how to get the SDB details. The SDB is "inside" your 401k so there are no tax issues. But in general, there could be an annual fee to have an SDB account, and transaction fees for buying/selling inside the SDB, a...
by prudent
Tue Nov 20, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20899

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Is $46.50 a good deal for H+R Block Premium? That is the price on Amazon. https://www.amazon.com/Block-Software-Premium-Refund-Download/dp/B07HJ18LXW/ref=sr_1_2?s=software&ie=UTF8&qid=1542759047&sr=1-2&keywords=h%2Br+block+2018++premium Possible glitch....I don't see anything on the Amazon page tha...
by prudent
Tue Nov 20, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1859

Re: Recommendations for Home Printer

Topic moved to Personal Consumer Issues.
by prudent
Mon Nov 19, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2963

Re: My car was totaled. Do any of you have experience with this process?

How about gas? Just joking but it figures that I put a full tank of gas in the car just before the crash. I would certainly have argued for the value what gas was in the tank if the insurance company was going to get it. But I only had a 1/4 tank and let the body shop guy siphon it out for the tip ...
by prudent
Sun Nov 18, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2963

Re: My car was totaled. Do any of you have experience with this process?

I can only comment about negotiating value of a totaled car. Our car was towed to our local body shop, where the adjuster declared it totaled. The car would remain at the shop until an agreement was reached on value. The body shop owner told me that the insurance company has to pay the shop a daily ...
by prudent
Sat Nov 17, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Northpointe Bank Website - legit?
Replies: 6
Views: 727

Re: Northpointe Bank Website - legit?

It would surprise me too. Before redirecting, I would expect my bank's site to give me a pop-up that explains I will be redirected to <URL>, the bank's partner for online banking services. The way Northpointe bank does it is a little unsettling. When we had an account at Key Bank they partnered with...
by prudent
Sat Nov 17, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Bonds and their role in a portfolio:
Replies: 9
Views: 1111

Re: Bonds and their role in a portfolio:

Topic moved to Investing - Theory, News & General.
by prudent
Fri Nov 16, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: 3.2 Million Mile Volvo Owner Passes Away - Car Still Running
Replies: 3
Views: 1236

Re: 3.2 Million Mile Volvo Owner Passes Away - Car Still Running

Topic is locked (below threshold for Personal Consumer Issues).
by prudent
Fri Nov 16, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1840

Re: One food I could never give up

Topic is locked (non-actionable).
by prudent
Thu Nov 15, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4590

Re: Does Early Retirement Make You Live Longer?

Topic is locked (off-topic, not investing related).
by prudent
Mon Nov 12, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 2030

Re: Trying to move out.

Topic is locked (below threshold for Personal Consumer Issues).
by prudent
Sat Nov 10, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10845

Re: This man can predict when bubbles burst: time to time the market?

Topic is locked - everything useful that can be said has been said, and is now derailed.
by prudent
Fri Nov 09, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: AA question
Replies: 8
Views: 804

Re: AA question

Topic moved to Investing - Help with Personal Investments.
by prudent
Wed Nov 07, 2018 7:46 pm
Forum: Forum Issues and Administration
Topic: Remembering context of the post read so far
Replies: 5
Views: 694

Re: Remembering context of the post read so far

When you go to the Your Posts link, do you see a round icon to the left of the thread title, that is sometimes red? If you click that icon it should take you to the first unread post in that thread.
by prudent
Mon Nov 05, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: ACA question -please help
Replies: 7
Views: 693

Re: ACA question -please help

Topic moved to Personal Finance (Not Investing).
by prudent
Sat Nov 03, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 902

Re: Should I buy a fire truck?

Topic is locked (below threshold for Personal Consumer Issues).
by prudent
Fri Nov 02, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Quick advice - 401(k) xfer via check - avoiding loss due to mkt fluctuation
Replies: 2
Views: 173

Re: Quick advice - 401(k) xfer via check - avoiding loss due to mkt fluctuation

Might want to check if your Stable Income fund has timing restrictions on moving money in/out. Ours does.
by prudent
Mon Oct 29, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out at 39 yrs old.
Replies: 37
Views: 5415

Re: Just starting out at 39 yrs old.

Welcome! Nothing to be embarrassed about, you want to learn, and that's the smart thing to do. It's never too late to get started. One caution about your adult education class about investing. It's very likely that the instructor offers the class for a small fee in hopes to gather clients. Probably ...