Search found 2958 matches

by prudent
Sat Sep 23, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Invest 400k Cash ?
Replies: 6
Views: 1116

Re: Invest 400k Cash ?

Welcome!

it's difficult to give a good answer without seeing the big picture. Can you edit your first post (using the pencil icon in the upper right corner) to provide your information in the format outlined here?
by prudent
Sat Sep 23, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1817

Re: Transfering 250K online from one bank to another

Institutions do have limits - most often a daily limit and a monthly limit. Doctor of credit keeps a list of ACH limits and it says Wells Fargo has a $5,000 daily limit. I suggest checking with both institutions to see if you can do $250K in one go. But I can't think of any reason why the IRS would...
by prudent
Sat Sep 23, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1817

Re: Transfering 250K online from one bank to another

Institutions do have limits - most often a daily limit and a monthly limit. Doctor of credit keeps a list of ACH limits and it says Wells Fargo has a $5,000 daily limit. I suggest checking with both institutions to see if you can do $250K in one go. But I can't think of any reason why the IRS would ...
by prudent
Sat Sep 23, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Initial co-trustee instead of successor trustee
Replies: 25
Views: 1347

Re: Initial co-trustee instead of successor trustee

No tax impact on you simply for serving as a trustee, although I might not be understanding your question.
by prudent
Sat Sep 23, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1347

Re: where to put $60,000 for three months...

Topic moved to Investing - Help with Personal Investments.
by prudent
Thu Sep 21, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with evaluation of whole life and term from Northwest mutual.
Replies: 18
Views: 1765

Re: Please help with evaluation of whole life and term from Northwest mutual.

I wouldn't be too hard on your friend - he might honestly believe he was doing right by you. After all, agents aren't trained to think they are convincing customers into making poor choices.
by prudent
Thu Sep 21, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax on joint brokerage accounts?
Replies: 13
Views: 1043

Re: Tax on joint brokerage accounts?

One way to keep things simple is to agree that the person reporting the income can take the equivalent amount of resulting income tax from the account to make them whole. This assumes the amount of income wouldn't push someone over a threshold for things like being able to contribute to an IRA contr...
by prudent
Thu Sep 21, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2808

Re: Bitcoin AA - Just out of Curiousity

Topic is locked (thread derailed).
by prudent
Thu Sep 21, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 17876

Re: Comfortable Vehicle Front Seats

I'm curious if anyone has looked into aftermarket seats. I notice there's a company called Recaro that makes a line of aftermarket ergonomic car seats in different models. Might be possible to buy the car one wants and put an costly aftermarket seat in it rather than spending tens of thousands more ...
by prudent
Thu Sep 21, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 9
Views: 655

Re: advice on possible brokerage Link

Fifth, if someone says something about their Fidelity BrokerageLink option, that does not mean it applies to the OP's Fidelity Brokerage Link option since all fees and services are negotiated on a per-plan basis. Full disclosure: My spouse has a Self-Directed Brokerage Account in her 401(k). She is...
by prudent
Tue Sep 19, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Closed End fund ROC
Replies: 2
Views: 407

Re: Closed End fund ROC

[Two threads combined due to same topic - moderator prudent]
by prudent
Tue Sep 19, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1463

Re: Time to buy a used VW Diesel?

Topic is locked for moderator review.
by prudent
Mon Sep 18, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much to pay for a simple will in Philly area?
Replies: 4
Views: 401

Re: How much to pay for a simple will in Philly area?

Welcome! I couldn't guess what the right amount to pay is. But I would strongly suggest getting the other documents prepared. Those can be extremely valuable for your family. Regarding the executor, I found a link to a website that discusses executor fees in PA. http://www.klenklaw.com/blog/executor...
by prudent
Mon Sep 18, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Software professional salary
Replies: 10
Views: 1457

Re: Software professional salary

Topic moved to Personal Consumer Issues.
by prudent
Sat Sep 16, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7273

Re: Physiological effects of Early Retirement in peak earning years.

I'd look at it this way: yes, you're losing something (less income), but that income is essentially meaningless in the big picture. It's OK to acknowledge you're giving up the income, but for something more important - quality of life.
by prudent
Fri Sep 15, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Appliance sale ends next week, kitchen reno scheduled for Oct/Nov
Replies: 7
Views: 729

Re: Appliance sale ends next week, kitchen reno scheduled for Oct/Nov

To lock in $1000 savings, I'm keeping my car outside and the new range goes in the garage until they need it during the renovation. Unless you're OK keeping the old range until the sale rolls around again.
by prudent
Fri Sep 15, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 954

Re: Equifax security manager had a music degree -- what?

Topic is locked (not personal, not actionable).
by prudent
Wed Sep 13, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Take Pay cut close to retirement for sanity purposes?
Replies: 17
Views: 2001

Re: Take Pay cut close to retirement for sanity purposes?

I would do it if I wasn't depending on the lesser role continuing indefinitely. Where I worked they were pretty good with letting people move to part time in the same role but more picky about people moving down to a lower position + staying full-time + moving down in pay. Their reasoning was "it of...
by prudent
Wed Sep 13, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: setting up a wireless printer
Replies: 8
Views: 778

Re: setting up a wireless printer

Probably the easiest solution is to google "Dell [model number] setup" - most likely there will be a link to the instructions on Dell's site. If that fails, go to the Dell support site and enter the model number of the printer.
by prudent
Wed Sep 13, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4956

Re: China to ban petrol cars

Topic is locked (not investing related).
by prudent
Sat Sep 09, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 26
Views: 1878

Re: First Class Stamps on Large Packages

US postage stamps don't expire ever. You could mail things with unused stamps from the 1860's (although that would not be financially wise). If you can get the stamps on the box - even if it's on all 6 sides - it's good to go. Another take on "if it fits, it ships". :)
by prudent
Wed Sep 06, 2017 8:13 pm
Forum: Forum Issues and Administration
Topic: [Difficult to read replies to questions]
Replies: 11
Views: 1484

Re: To MS LADY GEEK: changing title of recent thread

Maybe increasing the zoom factor in the browser might help.

Also moved this topic to Forum Issues and Administration.
by prudent
Wed Sep 06, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9150

Re: When calculating net worth, how do you value your house?

I include it for net worth purposes at a value I found on Zillow about 3 years ago. I'm sure it's not super-accurate but by the same token it doesn't really affect my planning currently. If I am off $5K, $50K or $200K it wouldn't change anything I'm doing or planning to do. When the day comes when w...
by prudent
Tue Sep 05, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Credit card and now gmail hacked - what to do?
Replies: 8
Views: 1348

Re: Credit card and now gmail hacked - what to do?

Consider the possibility that someone just used your gmail address to sign you up for a bunch of newsletters. That could be done without having your password.
by prudent
Tue Sep 05, 2017 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores are stupid
Replies: 18
Views: 1485

Re: Credit scores are stupid

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 si...
by prudent
Mon Sep 04, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Questions
Replies: 23
Views: 2900

Re: Estate Questions

Sounds like you have copies of the actual trust document. Does it say explicitly what the trust protector's powers are?
by prudent
Sun Sep 03, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best Retail banks - switching from Chase
Replies: 23
Views: 2311

Re: Best Retail banks - switching from Chase

When you say you're looking for a "better class of service", what kinds of things do you mean?
by prudent
Wed Aug 30, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 3811

Re: How to buy raw (unimproved) land?

Can only add a single datapoint - our credit union does loans on land @ 10.5% APR, 12 year term. By way of comparison, their 15-year traditional mortgage is 3.25%.
by prudent
Wed Aug 30, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Is this common bank queuing etiquette? (rant)
Replies: 18
Views: 1411

Re: Is this common bank queuing etiquette? (rant)

Topic is locked (not actionable, general rant).
by prudent
Wed Aug 30, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: [How can people avoid the estate tax?]
Replies: 22
Views: 2249

Re: [How can people avoid the estate tax?]

After moderator review, a number of posts were edited to remove a political reference. To keep the thread open, please avoid such references.
by prudent
Tue Aug 29, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4473

Re: Estate Administration Question

I would think the home insurance and utilities are pretty urgent, you can't have those cancelled. This is a situation I might find myself in some day down the road, and it seems like a real mess. Perhaps if the TOD beneficiaries are snippy about the situation and don't want to advance any funds, the...
by prudent
Tue Aug 29, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Mutual fund family and picks for 50k
Replies: 26
Views: 2456

Re: Mutual fund family and picks for 50k

Welcome to Bogleheads.org!

It's difficult to recommend where to put your funds without knowing what your other investments are. It would be very helpful if you would edit your first post and use the format in this link: Asking Portfolio Questions.
by prudent
Tue Aug 29, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2910

Re: Learning from loss

It wasn't significant but the timing was actually fortuitous for me. When I first had scraped together a little money to start investing with, but hadn't yet done so, I got a cold call from a local small-potatoes broker with a proverbial hot stock tip. I bit. I lost. The broker ended up getting barr...
by prudent
Mon Aug 28, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 7340

Re: Review with Me - Larry Swedroe's new book

Topic is locked (topic exhausted).
by prudent
Mon Aug 28, 2017 6:52 pm
Forum: Forum Issues and Administration
Topic: Log In Change
Replies: 10
Views: 847

Re: Log In Change

When you go to the bogleheads.org page, do you see (Less...) at the end of the very top line? If so, click that word.
by prudent
Mon Aug 28, 2017 5:44 pm
Forum: Forum Issues and Administration
Topic: Log In Change
Replies: 10
Views: 847

Re: Log In Change

Topic moved to Forum Issues and Administration.
by prudent
Mon Aug 28, 2017 9:45 am
Forum: Forum Issues and Administration
Topic: Delete All Board Cookies
Replies: 3
Views: 866

Re: Delete All Board Cookies

It tracks your "logged in" status. If you delete them, you'll be logged out. When you log in again, AND click the Remember Me box, it will create a new cookie that will remember you are already logged in.
by prudent
Sat Aug 26, 2017 7:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 33
Views: 4843

Re: Hong Kong Bogleheads?

Pin,
Your PM will stay in your Outbox until the recipient reads it.
by prudent
Fri Aug 25, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Storing a push lawn mower
Replies: 21
Views: 1962

Re: Storing a push lawn mower

Years ago my father wanted a small shed for a mower and a few garden implements. At Sears, they had miniaturized versions of their sheds that were made for display on the sales floor. It was about 6 feet across on the front and around 3 feet deep. He worked something out with the manager to buy one ...
by prudent
Fri Aug 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Any Function Geeks Out There
Replies: 11
Views: 760

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: 2089

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: 6990

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: 3293

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: 1708

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: 15939

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: 1129

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: 1129

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: 1445

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 ...