Search found 3183 matches

by prudent
Tue Dec 19, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 20210

Re: Buying Real Silver and Gold (Not Bitcoin)

Conclusion: Big online sellers don't necessarily offer better prices than Local Coin Shops. I'll add that many (but not all) local coin shops give better prices to regular customers on both the buy and sell sides. If a shop has multiple locations, chances are there's no flexibility because the stor...
by prudent
Mon Dec 18, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: CD perks
Replies: 13
Views: 1926

Re: CD perks

I have a feeling that willingness to negotiate on CD rates would be related to whether the institution is actively looking to increase deposits or if they are comfortable with what they have already. So it could be hit-or-miss and might be worth talking to a variety of types - big and small banks, b...
by prudent
Mon Dec 18, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: I just talked myself out of a very fun mistake...
Replies: 15
Views: 1922

Re: I just talked myself out of a very fun mistake...

Topic is locked (not actionable).
by prudent
Mon Dec 18, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Is Menards the future of retail? If so, what does it mean?
Replies: 37
Views: 2890

Re: Is Menards the future of retail? If so, what does it mean?

Topic is locked as off-topic (not actionable, not investing related).
by prudent
Fri Dec 15, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Taxes on Pass-Through (CA)
Replies: 2
Views: 424

Re: 2018 Taxes on Pass-Through (CA)

Topic is locked (discussion of proposed legislation is off-topic by forum policy).

See viewtopic.php?f=3&t=203640 for further explanation.
by prudent
Fri Dec 15, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs under proposed tax bill?
Replies: 4
Views: 593

Re: QCDs under proposed tax bill?

Topic is locked (proposed tax plan is off-topic by forum policy).

Please see viewtopic.php?f=3&t=203640 for further explanation.
by prudent
Fri Dec 15, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: If you were so inclined to commit CC fraud...
Replies: 1
Views: 739

Re: If you were so inclined to commit CC fraud...

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 Dec 15, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5402

Re: Wow. Just Wow.

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
Mon Dec 11, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 3234

Re: Do girls wear Ninja Turtle character shoes

Topic is locked (topic exhausted and derailed).
by prudent
Sat Dec 09, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1165

Re: carefirst or Kaiser Rockville Md

Topic moved to Personal Consumer Issues.
by prudent
Thu Dec 07, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 6879

Re: What do Bogleheads say when they don't want to spend money?

My go-to is "I don't want ______." In all situations - friends, family, whoever.
by prudent
Wed Dec 06, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7704

Re: House on the market less than a day. Did listing agent commit fraud?

I suppose it's possible for a seller to tell the agent the top priority is to get the thing sold immediately, and the agent says "price it at $X and it will be gone ASAP".
by prudent
Tue Nov 28, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 16674

Re: FIRE [financial independence/retire early]

The 4% "rule" doesn't have anything to do with health care directly. It says you can most likely withdraw 4% of your assets yearly to finance a 30-year retirement and not run out of money. How it is spent (health care, food, housing, whatever) is up to the individual. You don't add health care costs...
by prudent
Tue Nov 28, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1376

Re: LCOL vs HCOL real estate - which is the better buy?

Topic moved to Investing - Theory, News & General.
by prudent
Thu Nov 23, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1495

Re: Geneology: finding the house a dead relative lived in.

Some libraries have records that could be useful in genealogy research. I'd call the library of that town and ask what they might have. Could be old phonebooks, street maps labeled with occupants' names, digitized old newspapers/access to online newspaper archives, whatever.
by prudent
Wed Nov 22, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Which HDHP (high deductible health plan) would you choose?
Replies: 5
Views: 564

Re: Which HDHP (high deductible health plan) would you choose?

Topic moved to Personal Finance (Not Investing) .
by prudent
Wed Nov 22, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 32873

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

simplesauce wrote:
Wed Nov 22, 2017 9:38 am
Is the group photo posted anywhere?
It's in family_doc's photo album (https://drive.google.com/drive/folders/ ... TFocnZzbVE), linked in the wiki page about the 2017 conference.
by prudent
Tue Nov 21, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: FIFO only rebalancing
Replies: 4
Views: 1065

Re: FIFO only rebalancing

Topic is locked (proposed legislation is off-topic).

See Political comments and proposed tax plan remain off-topic for more explanation.
by prudent
Tue Nov 21, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Time for my checkup - **Warning - long post**
Replies: 16
Views: 3855

Re: Time for my checkup - **Warning - long post**

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Nov 21, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: etf vs mutual funds taxes
Replies: 1
Views: 400

Re: etf vs mutual funds taxes

Topic is locked (proposed legislation is off-topic).

See Political comments and proposed tax plan remain off-topic for more explanation.
by prudent
Sat Nov 18, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 21334

Re: Is holding bonds now dangerous?

Topic moved to Investing - Theory, News & General.
by prudent
Sat Nov 18, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Experience with 401K "Self Directed Brokerage Account"
Replies: 9
Views: 981

Re: Experience with 401K "Self Directed Brokerage Account"

At my old company we had a SDBA option within the 401k. Prudential was the 401k custodian and their brokerage arm held the SDBA as well (no option to have it somewhere else). Fee was $100/year and buy/sell commissions were $17.95 unless it was a no transaction fee fund (Vanguard buys/sells had commi...
by prudent
Wed Nov 15, 2017 7:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: BH recent Membership [BogleHead]
Replies: 17
Views: 2131

Re: BH recent Membership

Are there comparable figures on Boglehead dropouts? For instance, how many forum members have not posted within the last year or two? I assume it is possible to delete your account, but that most people just become inactive instead? I am not exactly sure what that I expect to learn, but feel a need...
by prudent
Wed Nov 15, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Paying Issues
Replies: 18
Views: 1562

Re: Bill Paying Issues

Ran into the same problem with our credit union. Even though we have a joint account, they had no way to enable both of us having the same access to the payee list using our separate logins. Only one person could add/change/delete payees. The other person could not view the full payee info (account ...
by prudent
Wed Nov 15, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 1083

Re: Florida slip & fall advice? Helping my parents

Topic is locked (legal advice is off-topic by forum policy).
by prudent
Sat Nov 11, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a deceased relative from long distance
Replies: 12
Views: 1757

Re: How to deal with a deceased relative from long distance

I don't understand "Technically, the responsibility falls to me." Has she indicated that you are her executor? You need not accept the position. In any event, to put an end to feelings of dread it might be useful to make it clear to her that you cannot and will not be able to tend to her affairs in ...
by prudent
Thu Nov 09, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Improved returns from rebalancing asset allocation
Replies: 6
Views: 769

Re: Improved returns from rebalancing asset allocation

Topic moved to Investing - Theory, News & General.
by prudent
Mon Nov 06, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Vanguard Managed Payout?
Replies: 8
Views: 1990

Re: Anybody using Vanguard Managed Payout?

One important thing to understand about Managed Payout is that the distributions do not necessarily come from earnings. If they say they will distribute X% per month, that could mean some of the amount a return of principal. There is no assurance that the fund will preserve capital. There's a recent...
by prudent
Mon Nov 06, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Trump tax
Replies: 2
Views: 957

Re: Trump tax

Topic is locked (discussion of proposed legislation is off-topic).

Please see the post here for a fuller explanation.
by prudent
Thu Nov 02, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?
Replies: 9
Views: 1337

Re: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?

Topic is locked (speculation about future legislation, which 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 thi...
by prudent
Wed Nov 01, 2017 9:00 am
Forum: Forum Issues and Administration
Topic: Changing user id
Replies: 1
Views: 460

Re: Changing user id

You can send PMs now.
by prudent
Tue Oct 31, 2017 10:49 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 20
Views: 3264

Re: How do you follow your posts on BH?

Topic moved to Forum Issues and Administration.
by prudent
Mon Oct 30, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Distributions for US Non Resident Alien
Replies: 15
Views: 2047

Re: IRA Distributions for US Non Resident Alien

Topic moved to Investing - Help with Personal Investments.
by prudent
Mon Oct 30, 2017 5:34 am
Forum: Personal Finance (Not Investing)
Topic: How fast can tax reform be rolled out (in general)?
Replies: 10
Views: 2283

Re: How fast can tax reform be rolled out (in general)?

Topic is locked (question was answered).
by prudent
Mon Oct 30, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 4816

Re: European Tours

Topic moved to Personal Consumer Issues.
by prudent
Sun Oct 29, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Boglehead 2017 Conference Photos
Replies: 13
Views: 2003

Re: Boglehead 2017 Conference Photos

If it sells out so quickly, could it be that a bigger venue might be warranted? For his annual shareholder meeting, Warren Buffet sells out the century link center which holds 17,560 people. There are 64,303 registered bogleheads! source: https://www.bogleheads.org/forum/memberlist.php See Mel's ex...
by prudent
Wed Oct 25, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Package addresssed to my address, someone else's name, on house I am selling
Replies: 35
Views: 3612

Re: Package addresssed to my address, someone else's name, on house I am selling

Saw this scenario reported on local news not long ago. They mentioned two schemes that have been identified: Items purchased with a stolen credit card (card unrelated to the homeowner) and drug deals. The person expecting delivery scouts the empty house until the item arrives, then picks it up.
by prudent
Mon Oct 23, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Avoiding the Spiral
Replies: 21
Views: 3590

Re: Avoiding the Spiral

Topic moved to Investing - Theory, News & General.
by prudent
Sat Oct 21, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: help with inheritance and financial planning
Replies: 6
Views: 850

Re: help with inheritance and financial planning

Welcome and I also add my condolences for your loss. I think it would be best if we could understand the whole picture. You mention you have enough saved for your own retirement but without any information about that. You will want a plan to consider all assets, and not just what was in your husband...
by prudent
Tue Oct 17, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6898

Re: Is Florida Over, 2017

Topic locked due to continued discussion of climate change, which is off-topic by forum policy.
by prudent
Mon Oct 16, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: undiagnosed health (GI) issue
Replies: 2
Views: 529

Re: undiagnosed health (GI) issue

Topic is locked (medical issue). Medical issues are off-topic by forum policy.