Search found 4050 matches
- Wed Jan 31, 2024 10:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Coin grading questions - PCGS, NGC or ANACS
- Replies: 1
- Views: 324
Re: Coin grading questions - PCGS, NGC or ANACS
In my experience, NGC-graded GSA dollars are well accepted in the market and they grade them in the holder. If your raw CC dollar has a small spread of values between MS grades (as many do) either PCGS or NGC will work fine. NGC is considered a little more generous on classic gold but that might just be talk. You can find NGC and PCGS dealers who accept submissions on their respective web sites. Then you take the coins to one of them, they fill out the paperwork and submit them on your behalf. That way you don't have to fuss with the complex forms AND that dealer may point out something that could keep a coin from being straight graded in case you would prefer to save the fees. Sometimes they will give you a break on postage/insurance $$$ i...
- Mon Jan 15, 2024 1:42 pm
- Forum: Personal Investments
- Topic: Question on personal finances [Asset allocation]
- Replies: 12
- Views: 1692
Re: Question on personal finances
Is that last one supposed to be IFEU? Please add the names of the funds next to the tickers, many people won't take the time to look them up.
- Wed Jan 10, 2024 2:12 pm
- Forum: Personal Investments
- Topic: Portfolio Review: Age 41 and looking for all the help I Can get
- Replies: 14
- Views: 2171
Re: Portfolio Review: Age 41 and looking for all the help I Can get
Welcome! You will probably want to edit in the names of the stocks and funds next to the ticker symbols, as members may not take the time to look all of them up.
- Sat Dec 02, 2023 1:27 pm
- Forum: Investing - Theory, News & General
- Topic: What are the odds that some sort of cryptocurrency ETF will emerge?
- Replies: 5
- Views: 945
Re: What are the odds that some sort of cryptocurrency ETF will emerge?
Topic is locked, cryptocurrency posts are off-topic by forum policy. See: Greater Fool Investing Strategies Discussions of investment strategies based on securities or physical assets that have no underlying value or negative expected long term returns are prohibited. Examples include: cryptocurrencies; lottery tickets; tulip bulbs; Ponzi, pyramid, and multi-level marketing schemes; affinity frauds; and market manipulation schemes. And this post by the site owner: New Forum Policy Prohibiting Discussions of Cryptocurrency, Market Manipulation Schemes, etc as Investing Strategies Note - This policy is limited to discussions of investing strategies. Discussions of cryptocurrencies in other contexts is still acceptable, for example for money ...
- Wed Nov 22, 2023 3:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is PenFed good at?
- Replies: 93
- Views: 11242
Re: What is PenFed good at?
This was 10-12 years ago, but when I applied for their credit card to get the 5% statement credit on gas (now known as the "old" gas rebate card), they gave me a credit line 4x larger than I had on any other card. And after that, any card I've applied for gave me a credit line in the same ballpark. I remember reading at the time they were very generous with credit lines. Don't know if that's still the case.
- Sat Nov 04, 2023 8:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Citi cuts off some paper bill recipients
- Replies: 46
- Views: 5448
Re: Citi cuts off some paper bill recipients
My concern with online-only statements is maintaining the self-discipline to scroll through every page completely. I remember reading a couple years ago about one issuer who buried a change in terms at the bottom of the last page of the online statement, after a bunch of typical statement boilerplate, while the paper statement had the same notice on the first page.
- Mon Oct 30, 2023 7:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Cash-only Busineses
- Replies: 5
- Views: 1129
Re: Cash-only Busineses
Topic is locked (not 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 ask on behalf of someone specific, such as a family member.
- It must be actionable. You must be able to do something specific with the replies that will make a difference in your situation.
- Thu Oct 05, 2023 4:22 pm
- Forum: Personal Consumer Issues
- Topic: Seven Year Hit on Credit Score
- Replies: 20
- Views: 3601
Re: Seven Year Hit on Credit Score
Same here. It was Sears, I didn't know about it until we applied for a mortgage. The lender said to contact Sears and ask them to remove it. I figured it was going to be a waste of time, but I called and explained this was impacting our loan application and they agreed to remove it with no further prodding.SmileyFace wrote: ↑Thu Oct 05, 2023 4:15 pm Many years ago I had one late payment to a Department Store.
- Tue Sep 26, 2023 8:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Does Threatening to Quit Work
- Replies: 113
- Views: 13082
Re: Does Threatening to Quit Work
I once had an employee at his first year's salary review tell me "Before you get started, if I don't get a 25% raise I'm going to quit." I explained there was no such thing for first-year employees, so he quit. I had a co-worker I was pretty chummy with who was trying to help his aging parents with chores, appointments and shopping. This was pre-Covid. He told me one day it was getting pretty difficult to juggle the job and the caregiving. I happened to know he was highly valued at upper levels of the company and I suggested he consider a "I need to WFH or I need to resign" discussion. He softened it with "I need to WFH and cut back to half-time and handle just one big project" [left unspoken: "...or I wil...
- Sat Sep 23, 2023 12:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Part D Charges Far More Than What Analyses Said
- Replies: 50
- Views: 4924
Re: Part D Charges Far More Than What Analyses Said
How about your Congressional representative? Your having an issue with a federal agency, they should help with that.
- Sat Sep 23, 2023 5:37 am
- Forum: Personal Consumer Issues
- Topic: Government shutdown?
- Replies: 6
- Views: 1180
Re: Government shutdown?
This thread is locked (not 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 ask on behalf of someone specific, such as a family member.
- It must be actionable. You must be able to do something specific with the replies that will make a difference in your situation.
- Wed Sep 20, 2023 3:27 pm
- Forum: Personal Investments
- Topic: Question regarding American Eagle Coin values:
- Replies: 11
- Views: 2346
Re: Question regarding American Eagle Coin values:
I don't believe there were 4-coin gold proof sets issued in 1987. Maybe you have the 1987 uncirculated 2-coin set (1 oz and 1/2 oz)?
There may not be a coin dealer in America with higher prices than Littleton. I would ignore their prices when looking to research values.
There may not be a coin dealer in America with higher prices than Littleton. I would ignore their prices when looking to research values.
- Thu Sep 14, 2023 7:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Unions Stray Far From Their Mission
- Replies: 80
- Views: 8533
Re: Credit Unions Stray Far From Their Mission
Back in the 1970's, my father was on the board of the CU that served the company he worked for. He knew nothing about banking but he cared a lot about people and that's what he brought to the board - pushing back on more fees, and pushing back on those who wanted to add lots of bells and whistles which would mean charging more for things. He got them to stay open until 6 on Fridays so people working overtime still would have time to get there (it was literally across the street from the main gate). When the union went on strike, he pushed to approve emergency loans to striking workers even if they had no relationship with the CU before. He wanted cheap loans for members, and not reporting late payments to the credit bureau if they were less...
- Sun Sep 03, 2023 5:05 pm
- Forum: Personal Investments
- Topic: Alpena Alcona Area Credit Union | 7 Month CD @ 7.19%
- Replies: 4
- Views: 1924
Re: Alpena Alcona Area Credit Union | 7 Month CD @ 7.19%
No catch that I can see. They are NCUA insured, so your funds are safe. My banker friend told me these odd duration CDs are intended to bring in "new money". The CD terms will likely say when the CD matures, and the depositor takes no action, the CD will be auto-renewed at the same duration (or close to it if the same duration CD is no longer offered). So they are hoping people get the 7-month CD, then when they mature the holders forget. Then the CU or bank can auto-renew them, but this time for 6 months since they won't have a 7-month CD offered at that time (they may have a 9-month, an 8-month, an 11-month, but there won't be a 7-month). And that 6-month CD will have a very low interest rate. Right now their 6-month CD is 0.5% ...
- Sun Sep 03, 2023 4:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Reasonable annual spend in VHCOL?
- Replies: 87
- Views: 7320
Re: Reasonable annual spend in VHCOL?
I removed a couple of off-topic posts. Let's not derail the discussion from jory1804's question.
- Mon Aug 21, 2023 3:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: I Think My Son's On A Gap Year
- Replies: 2
- Views: 1239
Re: I Think My Son's On A Gap Year
Topic is locked (not finance related, nor would be suitable in Personal Consumer Issues).
- Thu Aug 17, 2023 12:47 pm
- Forum: Personal Consumer Issues
- Topic: Fidelity Down? [Website]
- Replies: 138
- Views: 9714
Re: Fidelity Down?
Working for me.
- Wed Aug 16, 2023 10:03 am
- Forum: Forum Issues and Administration
- Topic: Why was thread deleted?
- Replies: 7
- Views: 5966
Re: Why was thread deleted?
Posts can be moved to an area only visible by moderators, for various reasons permitted by forum policy. If a thread was removed, it was removed for a reason, so don't post links to copies. A post above was removed.
- Fri Jul 28, 2023 9:03 am
- Forum: Forum Issues and Administration
- Topic: I have 2 messages stuck in my outbox
- Replies: 4
- Views: 5792
Re: I have 2 messages stuck in my outbox
They aren't stuck, they will stay there until the recipient opens them. Then they will move to Sent Messages.
- Wed Jul 26, 2023 7:49 am
- Forum: Forum Issues and Administration
- Topic: Server time off? [Member timezone setting changed]
- Replies: 26
- Views: 8306
- Fri Jul 21, 2023 5:27 pm
- Forum: Personal Consumer Issues
- Topic: Criteria for selecting a new doctor
- Replies: 86
- Views: 5254
Re: looking for a new doctor
Topic is locked (exhausted, derailed).
Update: See below. --admin LadyGeek
Update: See below. --admin LadyGeek
- Sun Jul 02, 2023 9:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where can I get help understanding options for Medicare?
- Replies: 21
- Views: 3219
Re: Where can I get help understanding options for Medicare?
I found a lot of value in the youtube videos from boomerbenefits.com
- Sun Jul 02, 2023 9:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Resource for making Quicken simple?
- Replies: 18
- Views: 1607
Re: Resource for making Quicken simple?
Some people want very granular, but that's not a requirement. For us it's enough to separate household purchases and groceries. It's up to what you want out of the reporting. Personally I think more granular is useful when trying to find areas to cut back on spending. If you happen to be able to spend as you want without any worries, maybe less granular is satisfactory. If you spend $200 and buy housewares and groceries at Costco on the same trip, would it be sufficient to just ballpark that $125 was groceries and $75 was housewares, using your best estimate? Being precise to the penny isn't critical IMO. Also consider sometimes you can filter on the payee to break down spending. If you pay Company A for car insurance, Company B for homeown...
- Fri Jun 30, 2023 6:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Homeowners Insurance Termination/Cancellation - Advice Sought
- Replies: 76
- Views: 10732
Re: Homeowners Insurance Termination/Cancellation - Advice Sought
Let's focus on helping the OP find a path forward to getting new coverage rather than the finger-wagging about filing small claims, which is not helping.
- Tue Jun 27, 2023 8:11 pm
- Forum: Investing - Theory, News & General
- Topic: What am I missing here?? international
- Replies: 199
- Views: 10199
Re: What am I missing here?? international
Some off-topic posts were removed, please stay on topic.
- Mon May 15, 2023 5:02 am
- Forum: Personal Consumer Issues
- Topic: Any must haves for travelling to Europe?
- Replies: 126
- Views: 10521
Re: Any must haves for travelling to Europe?
Some completely off-topic comments related to social and cultural issues were removed. Please stay on topic.
- Sat Apr 22, 2023 9:44 am
- Forum: Personal Finance (Not Investing)
- Topic: Selecting a Medicare Part D drug plan
- Replies: 56
- Views: 4376
Re: Selecting a Medicare Part D drug plan
Let's stick to the topic of selecting a Part D plan. Generic comments about the healthcare industry are off-topic.
- Sat Mar 25, 2023 3:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: Family and Money
- Replies: 19
- Views: 1978
Re: Family and Money
Topic is locked. This is a relationship issue, which is off-topic.
- Sat Mar 25, 2023 3:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: Lost passport - quickest service?
- Replies: 15
- Views: 1231
Re: Lost passport - quickest service?
Costly, but doable.
AAA Travel partners with RushMyPassport.com (not an endorsement, just pointing out one option). Here's what it costs:
Expediting times start once documents are received.
Emergency Service 1 Week $799.00
Priority Service 2 Weeks $599.00
Expedited Service 7 - 9 Weeks $189.00
Smart Service 10 - 13 Weeks $109.00
*Government fee of $209.53 to be paid to the "U.S. Department of State" is not included.
AAA Travel partners with RushMyPassport.com (not an endorsement, just pointing out one option). Here's what it costs:
Expediting times start once documents are received.
Emergency Service 1 Week $799.00
Priority Service 2 Weeks $599.00
Expedited Service 7 - 9 Weeks $189.00
Smart Service 10 - 13 Weeks $109.00
*Government fee of $209.53 to be paid to the "U.S. Department of State" is not included.
- Sat Mar 25, 2023 3:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Worth joining credit union just for car loan?
- Replies: 23
- Views: 3927
Re: Worth joining credit union just for car loan?
I've been a member of 3 different credit unions and there has never been a downside.ResearchMed wrote: ↑Sat Mar 25, 2023 3:10 pm If the credit union has the best terms for the loan, is there a downside to joining?
Other than what is probably a relatively small fee or annual fee?
RM
- Sat Mar 25, 2023 8:52 am
- Forum: Personal Consumer Issues
- Topic: Mail in passport renewal
- Replies: 80
- Views: 11302
Re: Mail in passport renewal
A relative mailed in a renewal in on Feb 1 and received it March 23. Not expedited.
- Sat Mar 25, 2023 8:50 am
- Forum: Personal Consumer Issues
- Topic: Replacement Panasonic Shaver Blades?
- Replies: 5
- Views: 476
Re: Replacement Panasonic Shaver Blades?
https://panasonic.encompass.com/item/10 ... /WES9032P/
That's where the Panasonic.com site sends you when looking for spare parts, so would be genuine.
That's where the Panasonic.com site sends you when looking for spare parts, so would be genuine.
- Thu Mar 23, 2023 5:33 pm
- Forum: Personal Consumer Issues
- Topic: Where to buy Gold Necklace online?
- Replies: 10
- Views: 1785
Re: Where to buy Gold Necklace online?
After hearing so many stories from my coin dealer friend who has had to tell people the "gold" jewelry they brought in to sell was not actually gold, I would never buy online from a random company. People who have bought while on vacation, people who bought online, people who bought when visiting relatives in other countries, or bought at garage sales, etc. etc. It's a minefield. I would recommend sticking to big name sellers only who have a reputation to uphold.
- Mon Mar 13, 2023 12:40 pm
- Forum: Personal Investments
- Topic: Dipping a toe into the I-bond pool
- Replies: 3
- Views: 798
Re: Dipping a toe into the I-bond pool
Topic is locked. Topics in Personal Investments must be personal and actionable per forum policy. General comments about what you are doing does not comply.
This subforum is for personal financial issues that don't involve investments. Examples of acceptable topics are:
- insurance
- employment issues
- credit card and credit rating issues
- mortgage and loan issues
- legal issues that have a financial component like wills and pre-nuptial agreements
Note that topics must be directly connected to your (or your friend's or family's) financial life. General comments or complaints about these topics will be locked or removed.
- Sun Mar 12, 2023 7:37 pm
- Forum: Forum Issues and Administration
- Topic: Is it possible to use formatted tables in this forum?
- Replies: 4
- Views: 2629
- Thu Feb 23, 2023 12:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can I afford our “dream” home
- Replies: 36
- Views: 6109
Re: Can I afford our “dream” home
Off-topic posts about car safety have been removed. Let's focus on the OP's question and skip the comments about the car.
- Thu Feb 16, 2023 6:30 am
- Forum: Personal Finance (Not Investing)
- Topic: What am I missing in Cigna Dental Preventative Plan?
- Replies: 2
- Views: 586
Re: What am I missing in Cigna Dental Preventative Plan?
Topic is locked (not personal). How a company profits from a product is not related to your personal situation as required by forum policy.
- Fri Jan 27, 2023 8:29 am
- Forum: Personal Consumer Issues
- Topic: Best Way to Obtain Honest Coin, Bill and Stamp Appraisal
- Replies: 20
- Views: 2295
Re: Best Way to Obtain Honest Coin, Bill and Stamp Appraisal
A couple questions. How were the coins acquired - were they pulled from circulation? Did he buy them from coin shops? How are they packaged - loose in a bag or can? In labeled individual cardboard holders with a cellophane window? In hard plastic cases with labels inside the case? This can provide some insight.
- Mon Jan 23, 2023 4:16 pm
- Forum: Personal Investments
- Topic: Shift from Stable Value to Bond Fund?
- Replies: 16
- Views: 1886
Re: Shift from Stable Value to Bond Fund?
Carefully read the restrictions on your Stable Value Fund. Some won't let you add money for a period of time after a withdrawal. Some won't let you move money from a SVF to a "competing fund" which of course could be money market funds unless it's moved into a different type of fund for a period of time.
- Fri Jan 20, 2023 7:28 am
- Forum: Investing - Theory, News & General
- Topic: [Debt ceiling discussion mega-thread]
- Replies: 1286
- Views: 129473
Re: [Debt ceiling discussion mega-thread]
I removed some comments that were purely political. The topic is for members to discuss the possible impact on investments. Keep on topic.
- Tue Jan 17, 2023 2:43 pm
- Forum: Investing - Theory, News & General
- Topic: Can I EXCHANGE Funds on the App??
- Replies: 6
- Views: 466
Re: Can I EXCHANGE Funds on the App??
Topic is locked. OP, repost your question but you need to include more details, we don't know what you mean.
- Mon Jan 16, 2023 11:32 am
- Forum: Personal Consumer Issues
- Topic: Deleted
- Replies: 15
- Views: 1066
Re: Car Accident and DUI (NOT alcohol, but prescription drug)
Topic is locked (it's a legal issue, not a consumer issue, therefore not permitted by forum policy).
- Fri Jan 13, 2023 12:25 pm
- Forum: Investing - Theory, News & General
- Topic: Structure of Vanguard - should you be worried?
- Replies: 162
- Views: 11804
Re: Structure of Vanguard - should you be worried?
Topic is locked (exhausted).
- Fri Jan 13, 2023 12:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: I lost my apple watch in the sofa - will homeowner's insurance pay for it?
- Replies: 124
- Views: 10666
Re: I lost my apple watch in the sofa - will homeowner's insurance pay for it?
Topic is locked (exhausted and derailed).
- Mon Jan 09, 2023 5:03 am
- Forum: Personal Consumer Issues
- Topic: Can I buy a 80-100k car?
- Replies: 171
- Views: 12202
Re: Can I buy a 80-100k car?
Topic is locked (exhausted and derailed).
- Fri Jan 06, 2023 7:53 am
- Forum: Personal Consumer Issues
- Topic: How to handle greedy dealer
- Replies: 53
- Views: 6302
Re: How to handle greedy dealer
In the field of collectibles I dabble in, I approach things with the idea of sellers can ask whatever they want, and I offer whatever I want to pay. Sometimes we come to an agreement, sometimes we don't. I don't see why I would want to stop dealing with someone who often has the items I want even though we didn't complete a particular deal. I don't take any of it personally even if I think I got quoted a much-too-high price. I just say no. I don't care if they thought they were going to get me to pay too much, they are in business to make a profit. Their motivation for quoting a particular price is meaningless to me. Sometimes the seller was the one who paid too much and now realizes he can't re-sell it at a profit. I learned long ago that ...
- Thu Dec 29, 2022 6:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Biden signs the Bill!
- Replies: 3
- Views: 1358
Re: Biden signs the Bill!
Since there won't be any discussion about the signing itself, this thread is locked.
- Wed Dec 28, 2022 5:52 pm
- Forum: Personal Investments
- Topic: Debt against my pension? What is your take?
- Replies: 1
- Views: 1027
Re: Debt against my pension? What is your take?
Topic is locked as a duplicate. Discussion continues at viewtopic.php?t=393398.
- Tue Dec 20, 2022 10:06 am
- Forum: Investing - Theory, News & General
- Topic: [Secure 2.0 Act is part of 2023 Omnibus Spending Bill - RMD, 401(k) changes]
- Replies: 20
- Views: 3144
Re: Secure 2.0 Act passed - RMD age change?
Topic is locked, bill has not been signed therefore discussion not permitted by forum policy.
- Sat Dec 17, 2022 5:53 am
- Forum: Personal Consumer Issues
- Topic: iMessage to yourself on ios16: Green or Blue bubble?
- Replies: 9
- Views: 986
Re: iMessage to yourself on ios16: Green or Blue bubble?
Topic is locked, below acceptable 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. In general, controversial, offensive, pointless, divisive or mean-spirited posts or topics may be locked, edited or deleted (with or without notice) at the discretion of the moderating staff even if they do not otherwise violate forum policies.