Search found 3011 matches

by prudent
Thu Jul 20, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds would you pick, given this constrained list?
Replies: 7
Views: 913

Re: Which funds would you pick, given this constrained list?

Topic moved to Investing - Help with Personal Investments.
by prudent
Thu Jul 20, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 2242

Re: SAT scores - whats the point??

Topic is locked (not actionable, not personal). Please see our guidelines: 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...
by prudent
Thu Jul 20, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: It is time to talk about the educational system!
Replies: 4
Views: 487

Re: It is time to talk about the educational system!

Topic is locked (non-actionable, not personal). Please see our guidelines: 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...
by prudent
Thu Jul 20, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 4230

Re: Investing well for Retirement can be frustrating

I know where you're coming from. Your moment in the sun comes when you announce you're retiring at a relatively young age, and going to travel, volunteer, maybe some part time work. Your co workers with the nice houses and cars will be left speechless... unless asking how you pulled it off Mike Hav...
by prudent
Thu Jul 20, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Replacing Carpet in Gameroom and Bedrooms
Replies: 11
Views: 861

Re: Replacing Carpet in Gameroom and Bedrooms

Topic moved to Personal Consumer Issues.
by prudent
Wed Jul 19, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: EMBA experiences?
Replies: 7
Views: 857

Re: EMBA experiences?

Where I used to work they were enamored of MBAs in the hiring process. I sat in quite a few meetings after a round of candidate interviews where people would keep bringing up which ones had an MBA and which did not. People in our company who were in company-paid EMBA programs were treated with kid g...
by prudent
Tue Jul 18, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: 7 year old son's coin collection (& my observation on circulation?)
Replies: 14
Views: 2430

Re: 7 year old son's coin collection (& my observation on circulation?)

He should be looking for the 1982 no-P dime as well. Many were found in the NW Ohio area. Won't make anyone rich but it would be a great find in circulation.
by prudent
Tue Jul 18, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Not raising rent for 10 years in California
Replies: 17
Views: 2971

Re: Not raising rent for 10 years in California

Perhaps your friend got that story confused with the one where AirBNB renters in California refused to leave after they rented a place for a little over a month.
by prudent
Mon Jul 17, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Having flowers delivered
Replies: 13
Views: 1180

Re: Having flowers delivered

Like avo said, always order from a shop that's local to the delivery. Not online, not any 1-800 service. You'll have accountability in case there happens to be a problem. But I've ordered flowers a couple dozen times to be delivered in various cities and never had a problem ordering from a shop in t...
by prudent
Mon Jul 17, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 5394

Re: Rent in safer neighborhood or buy in less safe one?

If you can afford to live in a safe neighborhood as opposed to one that is not safe, do so. I would not let renting vs. buying make that decision by default. However, consider carefully whether a neighborhood is actually safe or not. Sometimes statistics can be misleading. For instance, it often ap...
by prudent
Sun Jul 16, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Moving out of USA, How to optimize
Replies: 8
Views: 1336

Re: Moving out of USA, How to optimize

Bump for a new member.
by prudent
Sun Jul 16, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 3034

Re: 18 year old first credit card recommendations

With no history yet, and a very small income, she's probably won't get approved for the best cards (rewards/sign up bonuses). I would start by having her apply for a credit card where she banks. It won't be the top of the line, but chances are she can get a no-annual-fee card that costs nothing when...
by prudent
Fri Jul 14, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Suing soon to be former employer, do I have a case?
Replies: 17
Views: 2225

Re: Suing soon to be former employer, do I have a case?

This thread has run its course and is locked (legal 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 conside...
by prudent
Fri Jul 14, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: The definition of insanity
Replies: 5
Views: 994

Re: The definition of insanity

Topic is locked (not personal).
by prudent
Fri Jul 14, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4691

Re: Hotel tipping: how much to leave?

Topic is locked (topic exhausted and discussion won't stay on topic).
by prudent
Thu Jul 13, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4691

Re: Hotel tipping: how much to leave?

I removed more off-topic posts. Discussion of the concept/necessity/logic of tipping is off-topic.
by prudent
Thu Jul 13, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: managing irrevocable trust
Replies: 8
Views: 1195

Re: managing irrevocable trust

I'm the trustee, but not a beneficiary, of a similar trust. The grantor is living so there are no estate issues involved, just the distribution of trust assets. First, you must follow whatever the trust document says and hopefully it does not require you to do things that don't make sense. (There is...
by prudent
Thu Jul 13, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2644

Re: Outside Pittsburgh short trip ideas

TBillT wrote:Kennywood's open, of course :wink: .
I see what you did there. :D I did literally LOL.
by prudent
Thu Jul 13, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4691

Re: Hotel tipping: how much to leave?

I removed an off-topic post. Please keep replies focused on the topic (how much to leave?) and avoid debating the concept of tipping, which has derailed every tipping thread on every site in the history of the internet.
by prudent
Thu Jul 13, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 72
Views: 9066

Re: TSP Expense Ratio jumps to 0.038%

Topic is locked (topic derailed).
by prudent
Thu Jul 13, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5821

Re: Cutting the Cord: Who's Best?

Topic moved to Personal Consumer Issues.
by prudent
Wed Jul 12, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 3608

Re: instant pot [Pressure cooker]

There were a bunch of posts about explosions. I got a notification and responded. Then it said I was not authorized for this topic. Anyway....I am not sure if the moderators removed the posts for some reason or if there was a technical glitch as the notifications then disappeared. Usually when post...
by prudent
Wed Jul 12, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: AAPL stock history on eTrade/MorningStar
Replies: 4
Views: 304

Re: AAPL stock history on eTrade/MorningStar

In June 2014, Apple split 7 for 1, so historical data was adjusted. So a price in the 600's in 2012 would adjust to something around $85-$95.
by prudent
Wed Jul 12, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Healthy smoothie ideas
Replies: 18
Views: 1705

Re: Healthy smoothie ideas

Topic moved to Personal Consumer Issues.
by prudent
Wed Jul 12, 2017 6:16 am
Forum: Investing - Help with Personal Investments
Topic: 401k for small business with 3 employees????
Replies: 5
Views: 836

Re: 401k for small business with 3 employees????

Topic moved to Investing - Help with Personal Investments.
by prudent
Wed Jul 12, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay off first?
Replies: 37
Views: 3403

Re: Which debt to pay off first?

Topic moved to Personal FInance (Not Investing).
by prudent
Wed Jul 12, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: 0% Finance auto-loans - Whats the catch?
Replies: 20
Views: 2195

Re: 0% Finance auto-loans - Whats the catch?

Topic moved to Personal Finance (Not investing).
by prudent
Tue Jul 11, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 457 Option!
Replies: 17
Views: 940

Re: Bad 457 Option!

Topic moved to Investing - Help with Personal Investments.
by prudent
Tue Jul 11, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: notice from "Records Division"
Replies: 1
Views: 472

Re: notice from "Records Division"

Topic is locked (not actionable).
by prudent
Tue Jul 11, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: better parking place than FTEXX?
Replies: 29
Views: 1814

Re: better parking place than FTEXX?

Since you have 2 years' expenses in cash, and an AA you are comfortable with, seems like you could invest it aligned with your AA. Do you have both taxable and tax-deferred accounts available to you? You'd want to consider having your more tax-efficient investments in your taxable account.
by prudent
Tue Jul 11, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 27
Views: 2465

Re: Donation to Church for wedding?

A little background info - our church would prefer not to charge for weddings for members but we have to pay the custodian to clean before the wedding and pay the sound person to be there for the rehearsal and the ceremony.
by prudent
Thu Jul 06, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score much lower than expected: 711
Replies: 21
Views: 1731

Re: Credit score much lower than expected: 711

Yes, VantageScore 3.0 is not a FICO mortgage score.
by prudent
Wed Jul 05, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help! How do I choose a FA (I have to...)?
Replies: 16
Views: 1671

Re: Help! How do I choose a FA (I have to...)?

Well, sometimes we can only make the best of a less-than-ideal situation. You're getting a match on your contributions at the cost of having to use what we'd consider a high-cost firm. You have no NAPFA options in your area. Perhaps you can meet representatives from the options you have (other than ...
by prudent
Wed Jul 05, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 59 1/2 yo Question
Replies: 8
Views: 766

Re: 59 1/2 yo Question

As BolderBoy pointed out, best to follow the format in Asking Portfolio Questions . You can edit your first post using the pencil icon in the upper right corner to revise it. Using that format we'll be able to understand the expense ratios of the funds in your 401k which will be a big factor in the ...
by prudent
Wed Jul 05, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 4148

Re: Delta Air - various classes of service

Topic moved to Personal Consumer Issues.
by prudent
Mon Jul 03, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Guarantee of rent payment
Replies: 22
Views: 2122

Re: Guarantee of rent payment

She could pay the whole term's rent up front. That should satisfy the landlord.
by prudent
Sun Jul 02, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax questions
Replies: 12
Views: 725

Re: Gift tax questions

Each inlaw can gift each of you $14K per year. Your father-in-law to you - $14K Your father-in-law to your wife - $14K Your mother-in-law to you - $14K Your mother-in-law to your wife - $14K Total of $56K per year. They can of course gift more than that but it would count towards their lifetime exem...
by prudent
Sat Jul 01, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Hired By My Single-Member LLC?
Replies: 16
Views: 2128

Re: Wife Hired By My Single-Member LLC?

Lieutenant.Columbo wrote:prudent,
did your friend happen to mention if he was referring to an IRS Section 105 Plan?
I asked - he doesn't know how it all works as the accountant handled it.
by prudent
Fri Jun 30, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Hired By My Single-Member LLC?
Replies: 16
Views: 2128

Re: Wife Hired By My Single-Member LLC?

Might be another benefit. A friend who owns his one-person company and worked as a consultant told me he used this technique as a way to write off a great deal of his medical expenses. Here's how he explained it to me. Business owners apparently can't deduct the cost of their own health insurance. H...
by prudent
Fri Jun 30, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: How smart is the market?
Replies: 12
Views: 922

Re: How smart is the market?

Topic moved to Investing - Theory, News & General.
by prudent
Fri Jun 30, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 3020

Re: vetting/finding a financial advisor

needadvicesnr wrote:I have spoken with a couple of planning advisors-cfp's- who want to charge for the first meeting. Any thoughts on this practice??
I'm kind of surprised by this - could you share what you said to them about your expectations for the first meeting?
by prudent
Fri Jun 30, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 3020

Re: vetting/finding a financial advisor

needadvicesnr wrote:I just used myperfectfinancialadvisor.com and got what appeared to be some quality advisors-has anyone used them before?
That website was only set up 2 months ago. They have no contact info, no names, no information at all. Stay away.
by prudent
Fri Jun 30, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 54
Views: 3703

Re: Buying a dishwasher

Topic moved to Personal Consumer Issues.
by prudent
Thu Jun 29, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 3020

Re: vetting/finding a financial advisor

I guess we should ask what kind of services are they looking for. Is it only handling their investments? Or is it financial planning, tax advice, estate planning, etc. as well? This is important to discuss when evaluating advisors. Be up front about the type of help desired. That said, I found a fee...
by prudent
Thu Jun 29, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 113
Views: 7408

Re: Require Access to School Records?

Topic is locked (topic exhausted).
by prudent
Thu Jun 29, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 3020

Re: vetting/finding a financial advisor

Do they want someone they can meet face-to-face, or would they be OK with working with someone on the phone?