Search found 3273 matches

by prudent
Tue Jul 31, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for high income individuals in taxable account
Replies: 18
Views: 1527

Re: Bonds for high income individuals in taxable account

Topic moved to Investing - Help with Personal Investments.
by prudent
Fri Jul 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: soccer practice next to highway during rush hour
Replies: 8
Views: 985

Re: soccer practice next to highway during rush hour

This thread has run its course and is locked (related to health issues which are off-topic by forum policy). See: Personal Consumer Issues Note that this subforum has a much lower threshold for locking or removing posts than the financial and investing subforums. And Questions on medical issues are...
by prudent
Thu Jul 26, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying a Gold Coin online for future Jewelry
Replies: 25
Views: 1330

Re: Buying a Gold Coin online for future Jewelry

I would not consider a gold coin for that purpose. a 1 ounce gold coin contains an ounce of gold but it also contains small amounts silver and copper, otherwise if its pure gold it would be too pliable for use as a coin. if you want pure gold, buy a .999+ gold "bar" which come in 1 ounce sizes. Not...
by prudent
Wed Jul 25, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Invest in guaranteed return or stock market?
Replies: 73
Views: 3634

Re: Invest in guaranteed return or stock market?

OK, I'll assume "guaranteed" covers both the 4% return as well as the principal, and that it is a 100% iron-clad guarantee. I would consider - -length of time the money will be unavailable to me (I might not want to have my money locked up for many years) -my personal risk tolerance (guaranteed retu...
by prudent
Wed Jul 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Where can I rent a Volvo?
Replies: 21
Views: 1793

Re: Where can I rent a Volvo?

Topic moved to Personal Consumer Issues.
by prudent
Mon Jul 23, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Large Variance in Credit Scores?
Replies: 6
Views: 560

Re: Large Variance in Credit Scores?

Not only are there different scoring models, some models use a different scale. FICO scores top out at 850. VantageScore 3.0 also tops out at 850. The earlier versions of VantageScore go up to 990. So you need to see what model they are using.
by prudent
Mon Jul 23, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for credit card
Replies: 35
Views: 2972

Re: Turned down for credit card

Have him go back to his bank and talk to the branch manager. Explain that he needs a bank that will work with him as his banking needs grow and he wants to know why, with $30K on deposit, they declined him for a credit card. I think that will get him a credit card. If not, there are many other banks...
by prudent
Mon Jul 23, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3858

Re: Guilt at buying nice things for myself

You know you're saving enough but you still feel guilty if you buy something - only you can resolve that. What I do is budget for a "personal happiness" category. As long as I stay within that budget, I'm not splurging because I planned for it, and I don't feel guilty. If you don't budget for such t...
by prudent
Fri Jul 13, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 796

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: 1060

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: 1101

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: 2833

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: 734

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: 1151

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: 17
Views: 1626

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: 1088

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: 6682

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: 2594

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: 5727

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: 3641

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: 410

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: 1635

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: 292

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: 2796

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: 4835

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: 3590

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: 925

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: 409

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: 993

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: 844

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: 844

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: 881

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: 11064

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: 77
Views: 10830

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: 1309

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: 4409

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: 1641

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: 4578

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: 1391

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: 100
Views: 14871

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: 4381

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: 77
Views: 10830

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: 4405

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: 59
Views: 4273

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: 1454

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: 1714

Re: Difficulty with Parents-In-Law

Topic is locked (topic exhausted).