Search found 3165 matches

by prudent
Fri Jul 13, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 670

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: 868

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: 950

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: 2499

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: 512

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: 1000

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
by prudent
Tue Jul 03, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Annuity- Lincoln Level Advantage Indexed variable annuity
Replies: 14
Views: 828

Re: Annuity- Lincoln Level Advantage Indexed variable annuity

What attracted you to an annuity?

The dividends that don't count towards your participation would be worth about 2%/year.
by prudent
Sat Jun 30, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Local Bank Branch Consolidation - Huh?
Replies: 12
Views: 1000

Re: Local Bank Branch Consolidation - Huh?

I think it's somewhat baffling also. I'm not sure why there is still a concept of " your branch". Went through the same thing when our bank sold some branches some years back. The branch they assigned us to wasn't anywhere near where we live but it was close to the branch where we opened our account...
by prudent
Sat Jun 30, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6201

Re: Vanguard is really pushing their Personal Adviser Service

booch221 wrote:
Sat Jun 30, 2018 2:30 pm
El Greco wrote:
Thu Jun 28, 2018 8:55 am
My only wish is that Fidelity offered the same service with the same AUM so that all of ones money doesn't need to be in one place.
What's AUM mean?
Assets Under Management fee (the fee charged for managing the account, not including expense ratios/commissions)
by prudent
Thu Jun 28, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Is today's furniture market wackier than ever?
Replies: 18
Views: 2385

Re: Is today's furniture market wackier than ever?

Topic moved to Personal Consumer Issues.
by prudent
Sat Jun 23, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5077

Re: car for long-distance driving

Driving that round-trip every month for a year is around 17000 miles (plus whatever other driving you'll be doing). When you narrow your choices down, you might want to check with your auto insurer before deciding to see what your premiums would be for the different options. What is your price range?
by prudent
Fri Jun 22, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3398

Re: Am I wasting money on my old car?

I agree that much-improved safety is a great reason to ditch a 20-year-old car. Also consider that repairs on a car that old are not going to affect the car's value. We once had done major repairs on a 15-year-old car that was still under 100k miles and very solid - it just needed some work that a c...
by prudent
Fri Jun 22, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: family histories
Replies: 1
Views: 376

Re: family histories

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
Thu Jun 21, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1519

Re: Early retirement myth

This thread has run its course and is locked (general rant, not actionable).
by prudent
Thu Jun 21, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Valuing an extended powertrain plan
Replies: 2
Views: 255

Re: Valuing an extended powertrain plan

A quick look seems to indicate Ford-issued extended warranties only go to 8 years. So this is probably the dealer's own plan or a third-party company. I wouldn't buy either one. Like the above post noted, you can't count on them being around if you need them. And I wouldn't want a warranty that mean...
by prudent
Wed Jun 20, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2565

Re: Gifting trip for inlaws

We had a somewhat similar situation for a parents' milestone anniversary some years ago. Parents were not that comfortable traveling due to fear of the unknown related to the "hows" of traveling ("What do we do if the hotel says they don't have a room for us?") . Ended up buying them a week-long tri...
by prudent
Wed Jun 20, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4354

Re: Shorting Amazon

I removed a number of off-topic posts and comments about other companies that were derailing the topic. Please limit comments to Amazon to allow the thread to continue.

Also moved topic to Investing - Help with Personal Investments
by prudent
Tue Jun 19, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 27
Views: 3428

Re: Can I break the tape in 5 years?????

turkman, welcome!

What will you be getting from Social Security?
by prudent
Mon Jun 18, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What is the largest charitable action you have performed in your life?
Replies: 10
Views: 858

Re: What is the largest charitable action you have performed in your life?

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
Fri Jun 15, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: RMD Law Alterations?
Replies: 1
Views: 384

Re: RMD Law Alterations?

This thread is locked. Speculation about future legislation is prohibited by forum policy, see: Unacceptable Topics 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 ru...
by prudent
Thu Jun 14, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help me with my FIL and an Insurance investment for my child
Replies: 11
Views: 866

Re: Help me with my FIL and an Insurance investment for my child

Topic moved to Investing - Help with Personal Investments.
by prudent
Wed Jun 13, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus - Is this different?
Replies: 8
Views: 722

Re: Bank Bonus - Is this different?

So if the bank gives you a kick back, they are essentially give you interest. I did not know banks did this. I wonder what their motivation is. I assume somehow they benefit by you using a debit card. Just as with credit card bonuses, debit card bonuses are offered because they hope you'll get in t...
by prudent
Wed Jun 13, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus - Is this different?
Replies: 8
Views: 722

Re: Bank Bonus - Is this different?

My understanding is that bank bonuses are taxable since they will report the bonuses on 1099 forms. Credit card bonuses are considered a "rebate" and are not taxable - there's no 1099 issued.
by prudent
Tue Jun 12, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Can anyone help me with a 1960's music trivia question
Replies: 5
Views: 779

Re: Can anyone help me with a 1960's music trivia question

This thread has run its course and is locked (trivia questions are 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,...
by prudent
Sun Jun 03, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10513

Re: Are people aware that Verizon email is being terminated?

I use Thunderbird on Windows 7, working fine to download Verizon email after the transition to AOL.
by prudent
Sat Jun 02, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6845

Re: General Electric

Let's keep replies on topic, please.
by prudent
Sat Jun 02, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about accumulating funds
Replies: 13
Views: 1176

Re: Confused about accumulating funds

Topic moved to Investing - Help with Personal Investments.
by prudent
Sat Jun 02, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4033

Re: Friends with an EJ Advisor

Agree that clear and direct is the way to go because you'll be happier as soon as he stops pursuing your business. "I'm very satisfied with how my investment plan is going and there's no chance I would use an advisor. I'm not going to take up a seat at the dinner knowing I won't ever become a custom...
by prudent
Fri Jun 01, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Best comprehensive Larry Swedroe book?
Replies: 23
Views: 1361

Re: Best comprehensive Larry Swedroe book?

Topic is locked for moderator review.
by prudent
Thu May 31, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4184

Re: steel cut oats in bulk

You could ask your supermarket manager what they would charge you for a case. Might be worth it. A case that a supermarket would buy is probably larger than the "consumer" case of 4 bags.
by prudent
Thu May 31, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Should I shift bond allocation from F Fund to G Fund?
Replies: 15
Views: 1097

Re: Should I shift bond allocation from F Fund to G Fund?

UCAN2 wrote:
Thu May 31, 2018 11:01 am
Good morning!
I am new. Can you please tell me specifically which Vanguard fund is the G bond fund?
Thanks
Welcome! The G fund is one of the options available through the Thrift Savings Plan (TSP) and it's not a Vanguard fund. Only US government employees can invest in the TSP.
by prudent
Wed May 30, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12681

Re: Have $3m at 33, "approach to career" advice needed

Bump for new member since the post approval was delayed.
by prudent
Wed May 30, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4136

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

Do you know what the split of your gains is from real estate vs equities?
by prudent
Tue May 29, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6845

Re: General Electric

If the root of GE's problem is their internal culture, to me that's a red flag. Company culture at higher levels is difficult to change. I remember when the redoubtable Jack Welch was at the helm and decided they should axe the lowest 10% of employees based on yearly ratings. Our company picked up 3...
by prudent
Thu May 24, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4136

Re: Buy this home?

Topic moved to Personal Finance (Not Investing).
by prudent
Wed May 23, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2744

Re: Quicken - Do you use it?

Been using it since Quicken version 4, 24 years. I actually started with a shareware program called CashTrac even before that in 1990 then converted to Quicken. Quicken's not perfect and has some annoyances that have been mentioned, but the benefits far outweigh the aggravations for me. One thing I ...
by prudent
Tue May 22, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where Should I Invest 3k in Taxable Account? 100% VTSMX?
Replies: 11
Views: 1297

Re: Where Should I Invest 3k in Taxable Account? 100% VTSMX?

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue May 22, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1534

Re: Difficulty with Parents-In-Law

Topic is locked (topic exhausted).
by prudent
Mon May 21, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Almost half of US families can't afford basics like rent and food
Replies: 19
Views: 1767

Re: Almost half of US families can't afford basics like rent and food

This thread has run its course and is locked (not personal). 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. Anything else is consid...
by prudent
Mon May 21, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12369

Re: done with Gmail

Topic moved to Personal Consumer Issues.
by prudent
Thu May 17, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2724

Re: What would you do? takes 6 months to fix a Tesla Model S

Some off-topic posts were removed. As a reminder, see: General Etiquette This is a moderated forum. We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. At all times we must conduct ourselves in a respe...
by prudent
Mon May 14, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 2989

Re: Infrared Sauna at home

Due to the ongoing off-topic posts regarding medical advice, the thread will remain locked.
by prudent
Tue May 08, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3760

Re: Why do so many Americans not own stocks?

This thread has run its course and is locked (shortcomings of others). 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. Examples include: US or world economic, political, tax, health care and climate p...
by prudent
Mon May 07, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit card payment allocation?
Replies: 7
Views: 958

Re: Credit card payment allocation?

Here is a link to what the law requires regarding how payments are applied.
https://www.nerdwallet.com/blog/credit- ... llocation/
by prudent
Sat May 05, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: One space or two ...
Replies: 18
Views: 1528

Re: One space or two ...

This thread has run its course and is locked. 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-spirited posts or topics may be ...
by prudent
Thu May 03, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Thoughts And Other General Questions
Replies: 5
Views: 481

Re: Asset Allocation Thoughts And Other General Questions

Bump for new member, post approval was delayed.