Search found 3849 matches

by prudent
Mon Apr 12, 2021 4:12 pm
Forum: Personal Consumer Issues
Topic: bank check images, and mobile deposits and ACH ?
Replies: 7
Views: 499

Re: bank check images, and mobile deposits and ACH ?

Seems one must know what determines if/when a check can converted to an ACH withdrawal. Up to the payee? The payor's bank? Agreement between payee and payor's bank?
by prudent
Thu Apr 08, 2021 7:26 am
Forum: Investing - Theory, News & General
Topic: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets
Replies: 28
Views: 3411

Re: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets

Merged mmcleod741 post and one reply into here.

The thread remains locked.
Please do not start a new thread on this topic.
by prudent
Tue Apr 06, 2021 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to determine value and sell old coins, currency
Replies: 11
Views: 1033

Re: Best way to determine value and sell old coins, currency

A coin shop will probably make you an offer on the whole thing but be aware they won't do it piece by piece, it just takes too long. If you're willing to do some of the work it will probably pay off with a higher return. Borrow a "Guide Book of US Coins" from your library, doesn't have to ...
by prudent
Thu Apr 01, 2021 1:35 pm
Forum: Personal Consumer Issues
Topic: blocking spam calls from spoofed numbers?
Replies: 2
Views: 465

Re: blocking spam calls from spoofed numbers?

It's only happened once, but I have received a spam call that was spoofing a number from one of my contacts.
by prudent
Mon Mar 29, 2021 6:45 am
Forum: Investing - Theory, News & General
Topic: Visa Settles USDC Transactions on Ethereum
Replies: 2
Views: 652

Re: Visa Settles USDC Transactions on Ethereum

Topic is locked (not investing related).
by prudent
Tue Mar 23, 2021 11:21 am
Forum: Personal Consumer Issues
Topic: Ductless AC units?
Replies: 14
Views: 1546

Re: Ductless AC units?

Our church uses them on the second floor and they work great for a single room, even a large one. Some wires and tubing run down the outside wall to the compressor.
by prudent
Tue Mar 23, 2021 9:40 am
Forum: Investing - Theory, News & General
Topic: Metals [Does anybody buy Silver and Gold?]
Replies: 43
Views: 3349

Re: Metals [Does anybody buy Silver and Gold?]

Currently it is illegal to melt US cents and nickels and there are low limits for taking/shipping them out of the country.
by prudent
Mon Mar 22, 2021 2:31 pm
Forum: Personal Consumer Issues
Topic: Dealing with an extremely weird seller
Replies: 34
Views: 3828

Re: Dealing with an extremely weird seller

I have a friend who dabbles in a different type of collectible who told me a similar story. Things were "for sale" but actually completing a sale was a chore. The guy would say he's not sure he's going to sell that thing, or he didn't know how much he wanted, or he would have to check and ...
by prudent
Thu Mar 18, 2021 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Pressure to start returning to the office from WFH
Replies: 14
Views: 1607

Re: Pressure to start returning to the office from WFH

Topic is locked (off-topic, not a personal finance issue). Would not be allowed in Personal Consumer Issues either.
by prudent
Wed Mar 17, 2021 3:25 pm
Forum: Personal Investments
Topic: 5-7 years from retirement, not enough saved - what should I do with this $30K fund?
Replies: 17
Views: 1402

Re: 5-7 years from retirement, not enough saved - what should I do with this $30K fund?

Thread closed to prevent further replies, OP has abandoned thread.

OP, if you wish to re-open the topic, send a PM to any moderator.
by prudent
Wed Mar 17, 2021 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 407
Views: 46746

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

Since no one is going to change minds arguing about ethics of inheritances, please keep replies focused on the topic.
by prudent
Wed Mar 17, 2021 12:23 pm
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 5973

Re: Selling rare/expensive beanie babies

Thats an excellent question. Are the items actually sold? Generally Ebay collects the seller fee which is probably close 15% when include you Paypal fees or whatever they use. And do those sellers get a 1099K?. Or do most of those sales fall through? I have also seen people selling nonsense books f...
by prudent
Wed Mar 17, 2021 10:55 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 5973

Re: Selling rare/expensive beanie babies

I did a search of sold items on Ebay and there are dozens of $1000+ sales of beanie babies out of 45k successful sales so clearly the are some that still have value (somewhat to my suprise). I did a similar search and the results didn't make sense to me. Filtered on "Sold Items" (only), o...
by prudent
Thu Mar 11, 2021 9:44 pm
Forum: Personal Consumer Issues
Topic: Reputable business to sell "graded coins".
Replies: 18
Views: 1239

Re: Reputable business to sell "graded coins".

Many places are fussy about what they will take, especially Apmex, and they have minimum dollar value thresholds to meet and sometimes quantity thresholds. You dont say where you are in WA, but Bellvue Rare Coins is probably ok. You could maybe send it to Littleton Coin Company (in vermont i think)...
by prudent
Wed Mar 10, 2021 8:39 am
Forum: Investing - Theory, News & General
Topic: Stonks
Replies: 18
Views: 1864

Re: Stonks

Topic is locked (question answered, further discussion not productive).
by prudent
Thu Mar 04, 2021 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Urgent Care bill - does this seem high?
Replies: 44
Views: 2450

Re: Urgent Care bill - does this seem high?

Topic is locked (question was answered, topic exhausted).
by prudent
Wed Feb 24, 2021 12:46 pm
Forum: Personal Consumer Issues
Topic: Computer memory lane
Replies: 43
Views: 1517

Re: Computer memory lane

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...
by prudent
Mon Feb 15, 2021 2:31 pm
Forum: Personal Investments
Topic: 401k Self-Directed Brokerage Account: Why so Secretive and How to get Info on it?
Replies: 17
Views: 1535

Re: 401k Self-Directed Brokerage Account: Why so Secretive and How to get Info on it?

Our 401k plan SPD only mentioned a $75 annual fee for an SDBA, no other details. I called the 401k custodian to get details, and they answered my questions on fees (commissions on trades) and sent me the documents to set it up. That's where I would start.
by prudent
Wed Feb 03, 2021 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage ?
Replies: 43
Views: 2656

Re: Medigap or Advantage ?

I was impressed with the videos on http://boomerbenefits.com as well as the ones on your YouTube channel.
by prudent
Mon Feb 01, 2021 2:21 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15341

Re: Physical Silver Short Squeeze may be on

Thread can remain open if discussion stays focused on the topic.
by prudent
Tue Jan 19, 2021 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 6
Views: 347

Re: Medicare signup

Swing over to the BoomerBenefits.com website. They are experts in Medicare. Also they are free. +1 for Boomer Benefits for learning Medicare. Outstanding videos, online seminars. Talked to one of their agents, was the most patient person ever. I also liked if you used them to enroll, they would int...
by prudent
Mon Jan 18, 2021 7:09 am
Forum: Personal Consumer Issues
Topic: How to save DNA from scotch tape
Replies: 7
Views: 2500

Re: How to save DNA from scotch tape

Topic is locked (not permitted by forum policy). See https://www.bogleheads.org/forum/rules#rule-3e 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 shir...
by prudent
Mon Jan 11, 2021 6:15 pm
Forum: Forum Issues and Administration
Topic: [Not receiving email notifications]
Replies: 7
Views: 899

Re: [Not receiving email notifications]

If you cannot resolve the issue with your email program, you could visit here when you see an email notification. Viewing your notifications here would show you the topic for each notification in the list.
by prudent
Sun Jan 10, 2021 4:35 pm
Forum: Personal Consumer Issues
Topic: Buying a used rental car?
Replies: 22
Views: 1438

Re: Buying a used rental car?

I bought a year-old Buick that had been a rental. No one wanting to rent some excitement would choose that car. It was solid for years, nothing that ever went wrong was something I could attribute to rental car abuse. I don't think I'd buy a former rental performance car, though.
by prudent
Wed Jan 06, 2021 7:48 am
Forum: Forum Issues and Administration
Topic: Email Notifications Not Working
Replies: 5
Views: 763

Re: Email Notifications Not Working

Your preferences were set incorrectly, I changed it. You should get a notification for this reply to your topic.
by prudent
Sun Jan 03, 2021 10:02 am
Forum: Personal Investments
Topic: Feeling stuck at Edward Jones, medallion problem
Replies: 61
Views: 4703

Re: Feeling stuck at Edward Jones, medallion problem

My credit union offers free MSGs and I've been a member for over 30 years so would not have a problem with them knowing who I am. That said, I've never needed an MSG for anything, ever. A couple years ago we needed one and headed to our CU. The branch manager was willing except the amount being tra...
by prudent
Sat Jan 02, 2021 8:26 pm
Forum: Personal Investments
Topic: Advice for In-Laws who received windfall
Replies: 34
Views: 3035

Re: Advice for In-Laws who received windfall

Whatever I might suggest to someone in these circumstances, I would absolutely prioritize that they want to be able to "visit their money" (talk to someone face-to-face) and they don't have any immediate need for money. And if they wanted to let the bank handle their money, even with high ...
by prudent
Sat Jan 02, 2021 2:17 pm
Forum: Personal Investments
Topic: When I win the lottery tonight
Replies: 10
Views: 715

Re: When I win the lottery tonight

Topic is locked (hypothetical situation). 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 actionable . You mus...
by prudent
Fri Jan 01, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Virtual Account Numbers (VAN) going away?
Replies: 47
Views: 4950

Re: Citibank Virtual Account Numbers (VAN) going away?

I have no actual knowledge but it sounds like they plan to retire the VAN feature 7 months from now.
by prudent
Mon Dec 28, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: 30 minute+ wait time to talk with a Vanguard Representative?
Replies: 12
Views: 1118

Re: 30 minute+ wait time to talk with a Vanguard Representative?

I also had to call today and took the option for a callback. Although they said 30 minutes, it only took 15.
by prudent
Mon Dec 28, 2020 3:18 pm
Forum: Investing - Theory, News & General
Topic: POLL: Withdrawal Rates For Real Retirees
Replies: 87
Views: 9130

Re: POLL: Withdrawal Rates For Real Retirees

Announcement regarding polls from 2015: Polls Disabled
by prudent
Mon Dec 28, 2020 6:27 am
Forum: Non-US Investing
Topic: I want 15% yearly ROI. How to go about it? [Croatia]
Replies: 135
Views: 10855

Re: I want 15% yearly ROI. How to go about it?

Some off-topic and snarky posts were removed.
by prudent
Mon Dec 28, 2020 6:16 am
Forum: Personal Finance (Not Investing)
Topic: $600 coronavirus relief
Replies: 32
Views: 3986

Re: $600 coronavirus relief

Topic is locked, turned political/derailed.
by prudent
Fri Dec 25, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: Soaring Government debt
Replies: 1
Views: 667

Re: Soaring Government debt

Topic is locked (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 climate policies - c...
by prudent
Fri Dec 25, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: how to map left click to some keyboard key?
Replies: 2
Views: 329

Re: how to map left click to some keyboard key?

The free utility AutoHotKey would work for this.
by prudent
Thu Dec 24, 2020 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Mandatory distribution by year-end but funds not available
Replies: 9
Views: 967

Re: Mandatory distribution by year-end but funds not available

Their advisor left months ago, the foundation was notified by the custodian that they should choose another one. They decided they didn't want another one so did nothing. It wasn't until recently that the foundation was told that the foundation can transfer the assets but not make withdrawals until ...
by prudent
Wed Dec 23, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mandatory distribution by year-end but funds not available
Replies: 9
Views: 967

Mandatory distribution by year-end but funds not available

Got a call today from a good friend. His family set up a charitable foundation a few years ago. They were told for IRS reasons the foundation has to distribute at least 5% of their funds yearly and they typically do it at year-end. They were just told that the custodian has essentially locked the ac...
by prudent
Tue Dec 22, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Where do you store gold?
Replies: 118
Views: 8081

Re: Where do you store gold?

I don't quite understand the measurement and pricing system of gold. Most gold jewelry aren't pure gold right? So I'm assuming the jewelry is only worth a smaller percentage of the gold price (which is quoted as if it were pure gold?) Or am I getting something wrong - I literally have never owned a...
by prudent
Mon Dec 21, 2020 6:45 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with lack of motivation due to death of a parent?
Replies: 5
Views: 1198

Re: How to deal with lack of motivation due to death of a parent?

Topic is locked (not a financial issue). 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 considered "Off Topic...
by prudent
Thu Dec 17, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stressing About Moving Money to Canada
Replies: 20
Views: 2355

Re: Stressing About Moving Money to Canada

Valuethinker wrote: Thu Dec 17, 2020 9:00 am The Canadian Financial Forum linked through from these boards may have some good advice.
Here's a link: https://www.financialwisdomforum.org/forum/
by prudent
Tue Dec 15, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13399

Re: Giving Retirement Notice - how did it go?

So, make sure you know your company's track record on this issue before before giving too much advance notice. I stress this above all. Company culture will dictate what the best approach is. I worked at a place where it was not unusual for people to give 3-6 months notice if they were a key person...
by prudent
Tue Dec 15, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4974

Re: How to watch all NFL games

Let's get back on topic.
by prudent
Tue Dec 15, 2020 5:36 am
Forum: Forum Issues and Administration
Topic: How to change the forum of an existing post?
Replies: 6
Views: 845

Re: How to change the forum of an existing post?

Send me a PM and I'll take care of it.
by prudent
Mon Dec 14, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4974

Re: How to watch all NFL games

Comments explaining how to illegally watch NFL games have been removed, let's not do that again.
by prudent
Wed Dec 09, 2020 6:28 am
Forum: Personal Consumer Issues
Topic: How to donate unwanted real estate?
Replies: 52
Views: 3317

Re: How to donate unwanted real estate?

I wouldn't want this property in my name. I'd take the IOU for $5K, transfer ownership, and accept that I might never be paid.
by prudent
Tue Dec 08, 2020 9:31 pm
Forum: Personal Investments
Topic: Where to park money (VMRXX?)
Replies: 8
Views: 1208

Re: Where to park money (VMRXX?)

You might consider using a CDARS (https://www.cdars.com/) or ICS (https://www.insuredcashsweep.com/) account. These will let you open an account at a participating bank, and that bank will spread your funds out to other institutions so no single institution holds over the FDIC limit so all your fund...
by prudent
Tue Dec 01, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: best way to shop for medigap plan
Replies: 39
Views: 2788

Re: best way to shop for medigap plan

You can try a service like boomerbenefits.com, but I suspect they will want your contact information pretty quickly as well. They act as a broker for multiple companies and can help you pick the right one based on your specific needs/desire. I see a lot of very positive reviews about them on variou...
by prudent
Mon Nov 30, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33384

Re: H&R Block 2020 software offer

Tax software gets tweaked and updated all the time as the filing deadline approaches. I'm curious if anyone knows if the Amazon library stores updated versions, or if they store the original retail version where you would be dependent on H&R Block to provide update services for old versions.