Search found 2967 matches

by prudent
Fri Aug 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Any Function Geeks Out There
Replies: 11
Views: 770

Re: Any Function Geeks Out There

Topic is locked (below threshold). From forum policies : 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 d...
by prudent
Thu Aug 24, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: 78% Americans are living from paycheck to paycheck?
Replies: 15
Views: 2111

Re: 78% Americans are living from paycheck to paycheck?

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
Wed Aug 23, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 7049

Re: Retirement anxiety- emotionally and financially

Welcome to bogleheads!

Are your Fidelity/Vanguard assets in a taxable account?
by prudent
Wed Aug 23, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3329

Re: Would you hire an obese nanny?

Topic is locked (topic exhausted).
by prudent
Tue Aug 22, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Returning / Exchanging purchased items ?
Replies: 24
Views: 1716

Re: Returning / Exchanging purchased items ?

Topic moved to Personal Consumer Issues.
by prudent
Mon Aug 21, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16035

Re: How far would you travel to see The Eclipse?

If people can get $50 at the last minute, long-term investors might consider buying up eclipse glasses starting tomorrow for next to nothing and holding until 2024 when another total eclipse runs from Texas to Maine. :)
by prudent
Sat Aug 19, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: managing irrevocable trust
Replies: 8
Views: 1139

Re: managing irrevocable trust

If there's no pressing desire for distributions, everyone is satisfied with some income and they would like the trust to continue as long as possible, I would go with a 60/40 allocation. I feel you could justifiably lean towards more stocks though. I'm surprised that the beneficiaries are not intere...
by prudent
Sat Aug 19, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: managing irrevocable trust
Replies: 8
Views: 1139

Re: managing irrevocable trust

Do any of the beneficiaries WANT yearly income?
What would be the reasoning for maintaining the trust for as long as possible?
by prudent
Sat Aug 19, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Help with overanalyzing purchases
Replies: 17
Views: 1454

Re: Help with overanalyzing purchases

One technique I saw somewhere with respect to agonizing about whether to buy something is to decide "just for now". Rather than continuing to ponder the issue, if you aren't doing to do it now, tell yourself you'll reconsider it in a year. You're not ruling it out but also not continuing to mull it ...
by prudent
Fri Aug 18, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Help with overanalyzing purchases
Replies: 17
Views: 1454

Re: Help with overanalyzing purchases

What area causes the issues?
Deciding whether to buy something? Choosing which product to buy? Finding the right deal once you've made a choice?
by prudent
Fri Aug 18, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Services provided non-taxable
Replies: 2
Views: 214

Re: Services provided non-taxable

It's up to the state legislature, and many state sales tax rules are difficult to understand. For example, in PA, bottled water is non-taxable... unless it's flavored. There's a woman in PA who is occasionally on local news for getting refunds where tax was charged on some items improperly. She seem...
by prudent
Thu Aug 17, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Active or Indexed for Optimal Risk Management
Replies: 16
Views: 1071

Re: Active or Indexed for Optimal Risk Management

First, if you decide not to use Morgan Stanley, do not try to explain to him why you went with someone else. It would be a waste of time. You would only need to say you decided to go in a different direction, thank you goodbye. Your account earns a lot of money for him in fees and he's going to figh...
by prudent
Thu Aug 17, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4365

Re: Other people's perception of your finances

Topic moved to Personal Consumer Issues.
by prudent
Thu Aug 17, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Put Mom Up In Hotel?
Replies: 3
Views: 829

Re: Put Mom Up In Hotel?

Topic is locked (not a consumer issue).
by prudent
Thu Aug 17, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable... ok for me?
Replies: 27
Views: 1987

Re: Bond Fund in Taxable... ok for me?

Topic moved to Investing - Help with Personal Investments.
by prudent
Thu Aug 17, 2017 8:37 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 62493

Re: Forum software upgrade bug reports and change requests

When I scroll to the bottom of a topic page, there is a link to go back to topic index, but it appears there is not a link to go back to the main board index. In hte past I recall there were 2 links ... one to the board index, and one to the main page index (that which you get from clicking the lin...
by prudent
Thu Aug 17, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4807

Re: Anyone have a personal chef?

Money magazine's September issue has a review of a few "dinner in a box" services. Might be available online.
by prudent
Thu Aug 17, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Beam 2-4% APY
Replies: 8
Views: 1107

Re: Beam 2-4% APY

They say deposits will be FDIC insured, and at some point (maybe not until they launch) it will be possible to see and verify which FDIC insured bank is backing them.
by prudent
Wed Aug 16, 2017 1:40 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 16099

Re: Revealing Usernames

kenjamin wrote:
Tue Aug 15, 2017 10:25 pm
posting here because I can't PM an admin to change my username
without a post : P
Check your Private Messages.
by prudent
Wed Aug 16, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange Between Funds Taxable IRA Vanguard Capital Gains
Replies: 8
Views: 492

Re: Exchange Between Funds Taxable IRA Vanguard Capital Gains

Topic is locked, discussion is in new thread (see OP).
by prudent
Wed Aug 16, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1676

Re: HGTV beach front bargain hunter

Topic is locked (not an investing issue).
by prudent
Wed Aug 16, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1688

Re: Do you manage your asset allocation like a Target Fund?

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Aug 15, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5262

Re: Best Housing To Avoid Noise

Topic moved to Personal Consumer Issues.
by prudent
Sun Aug 13, 2017 2:23 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 62493

Re: Forum software upgrade bug reports and change requests

An observation: the previous software version was more readable on my phone - although the text in posts is still formatted to fit the screen width, in this version the text is meaningfully smaller.
by prudent
Sun Aug 13, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 1723

Re: Experience with Modular/Manufactured Homes

Parents had a ranch-style modular home built when they moved south. It's been 15 years, holding up very well. At the time it cost half of what the same home would have cost if stick-built.
by prudent
Sun Aug 13, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8747

Re: Just saved $1000 / year on mobile plan

Did you get new phones there?
by prudent
Sat Aug 12, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 3068

Re: Bough gift cards from cash card.com and somebody else used them all

goingup wrote:
Sat Aug 12, 2017 11:40 am
I'm still trying to understand why one would purchase $1,700 in gift cards.
As mentioned above, one reason is to reach the threshold on a new credit card in order to receive a sign-up bonus.
by prudent
Sat Aug 12, 2017 11:19 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 62493

Re: Forum software upgrade bug reports and change requests

The forum software has been updated to phpBB 3.2.1. See: Software Updated to phpBB 3.2.1 I don't see the number of notifications listed on the top toolbar anymore. Is that simply hidden when the number is zero, now, or is the number permanently hidden? In addition, there also used to be a link to m...
by prudent
Fri Aug 11, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7577

Re: "Honesty like that is rare!"

I can understand the advisor's dilemma. People who don't understand investing generally have the preconceived notion that it's difficult and complicated. An advisor who proposes a 2-fund portfolio would therefore appear to be a rank amateur.
by prudent
Tue Aug 08, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Dealing (psychologically) with variable income
Replies: 15
Views: 1222

Re: Dealing (psychologically) with variable income

I have a good friend who does house flipping full-time. Pretty successful but there are ups and downs. I asked him one time how he copes with these issues - uneven cash flow, pool of available flip homes could dry up, make a couple bad purchases in a row, essentially all the worries that this thread...
by prudent
Tue Aug 08, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4602

Re: Deja Vu.. are there too many houses for sale?

All real estate is local. In our area, there is a huge shortage of homes for sale in middle-class areas. Friends just sold their 90-year-old house. It's got a weird layout, it's very small, 1 bathroom (off the kitchen!), and you have to climb steps to get to the house from the street. No garage, tin...
by prudent
Sat Aug 05, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Grocery prices crazy for the last five months?
Replies: 19
Views: 2208

Re: Grocery prices crazy for the last five months?

Some things have gone up but nothing that could increase your grocery costs by 80%. I suspect one of these things: 1. The person doing the shopping is buying more food, and/or different and more expensive food, than before. 2. The person doing the shopping is buying items that aren't groceries but a...
by prudent
Thu Aug 03, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems
Replies: 61
Views: 11518

Re: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems

We are with Ubiquity and I find this thread cathartic. Thanks to all for contributing. Ubiquity is a complete mess and we will be leaving them in the next 30 days. I pride myself on bringing in quality partners for my company and our employees and Ubiquity is a black mark and a painful lesson learn...
by prudent
Thu Aug 03, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 3096

Re: Wells Fargo - what the kittens?

Topic is locked (not actionable, general rant).
by prudent
Wed Aug 02, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor, What am I doing?
Replies: 12
Views: 1000

Re: Young Investor, What am I doing?

Welcome to bogleheads! A long-term approach to investing is pretty simple. You don't need to figure out if Amazon will make money or not, or even worry about individual stocks. Invest in mutual funds that own a huge number of stocks and let time do its work. And annuities are not the answer (if they...
by prudent
Wed Aug 02, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles
Replies: 13
Views: 925

Re: Going from pooled company 401k to Participant-directed 401K accounts - issues and hurdles

I'll chime in on the "education" issue. My previous company had about 800 people. There was a 401k advisor who came to the site twice a year for a couple days. When onsite, they would have a 1-hour seminar on one of a couple different topics - allocation, investing for retirement, how to choose plan...
by prudent
Wed Aug 02, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Son
Replies: 21
Views: 2405

Re: Advice for Son

With that amount of money, I wouldn't do anything until I had all the estate planning issues worked out. And to be able to do that, it will mean he will have had to think through what HE wants to do with the money. Chances are when that process is done, the conclusion won't be to put all his money i...
by prudent
Wed Aug 02, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Question for MTB'rs. Buying a bike.
Replies: 22
Views: 1576

Re: Question for MTB'rs. Buying a bike.

Topic moved to Personal Consumer Issues.
by prudent
Tue Aug 01, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1628

Re: Who's Responsible?

Topic is locked (topic exhausted).
by prudent
Fri Jul 28, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Penn National for insurance?
Replies: 10
Views: 668

Re: Penn National for insurance?

runner3081 wrote:Isn't this the company that Alex Trebec shills for with low budget commercials on terrible antenna-only channels?
No, that's Colonial Penn life insurance.
by prudent
Fri Jul 28, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 7131

Re: Free Reading

Do brick-and-mortar libraries have a useful purpose anymore? Are they worth the public funds they cost? Just asking. Our local library (in our little township of 25,000) is fantastic and worth every penny. Computer lab, thousands of DVDs to borrow (who needs Netflix?), programs, seminars, community...
by prudent
Thu Jul 27, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Getting Warm/Hot Water from Cold Line in Condo
Replies: 27
Views: 2868

Re: Getting Warm/Hot Water from Cold Line in Condo

Topic moved to Personal Consumer Issues.
by prudent
Thu Jul 27, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Maintaining Credit Score without Installment Loans
Replies: 8
Views: 495

Re: Maintaining Credit Score without Installment Loans

Haven't had an installment loan in many years and I see the same message regarding my FICO score. These things are relative - if your score is sufficiently high already, it hardly matters. My credit score is high enough due to low utilization, long credit history and no derogatory items. Your score ...
by prudent
Wed Jul 26, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 3308

Re: Green Dot cards are ID fraud!

I think you can get a card that is ready to use but with no funds loaded yet.
by prudent
Wed Jul 26, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 3308

Re: Green Dot cards are ID fraud!

I wonder if the scammer who initiated the account can access the card information (number, expiration date, etc.) from the Green Dot site somehow. If so, anyone who receives a card, activates it, and loads funds on it could have those funds drained by the scammer by using the card information online...
by prudent
Tue Jul 25, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Credit Card Debt
Replies: 38
Views: 2338

Re: Need Advice on Credit Card Debt

At your current rate ($250 payment, $6500 balance, 25% interest rate), it will take 38 months to pay it off. (calculator at http://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx). Of your $250 payment, over half of it (54%) goes toward interest. That's why it seems like...
by prudent
Tue Jul 25, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Account
Replies: 13
Views: 983

Re: Money Market Account

You could move it to an online account at a place like Ally Bank and earn 1% or so. You'd earn about $300 in a year.
by prudent
Tue Jul 25, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3515

Re: YouTube TV - Anyone used or currently using?

Topic moved to Personal Consumer Issues.
by prudent
Mon Jul 24, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Retired and Lost :( Thrift Savings Plan Question
Replies: 9
Views: 2097

Re: Retired and Lost :( Thrift Savings Plan Question

mattod122, please check your Private Messages.