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Re: Need advice helping my father (phone scammer)

Chase wouldn't ask for this information, especially not when applying for credit. The instant you apply, they will seek your assent to pull reports from the CRAs. Chase will get all of that information via the credit report, and a whole lot more. This is wrong. Chase often asks me about my other cr...
by 2stepsbehind
Sat Sep 27, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice helping my father (phone scammer)
Replies: 21
Views: 2036

Re: Will and Estate Planning - do i or not need an attorney

You really haven't given us enough information to advise you. what state do you live in? Who are the intended beneficiaries? What is the personal property you wish to bequeath and what does your will say about it? How large is your estate? Is there a possibility (remote or otherwise) that one of you...
by 2stepsbehind
Sat Sep 27, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Will and Estate Planning - do i or not need an attorney
Replies: 11
Views: 936

Re: Need advice helping my father (phone scammer)

Do you have caller id? Are you sure that caller wasn't from chase?
by 2stepsbehind
Tue Sep 23, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice helping my father (phone scammer)
Replies: 21
Views: 2036

Re: Sale of a home between boyfriend and girlfriend.

Add up the total capital invested and apportion the gains that way. The guy clearly isn't a renter by any legal or moral standard and shouldn't be treated as such. He didn't knowingly and intentionally go in as a renter. He doesn't have a signed lease outlining his responsibilities as well as the l...
by 2stepsbehind
Tue Sep 23, 2014 4:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5550

Re: Sale of a home between boyfriend and girlfriend.

For those that hypothesize about what would happen if the value of the house dropped, that doesn't appear to be the case in this situation so why would we consider that scenario? Because the same principle should apply--if they would share alike in the loss then it makes sense to share alike in the...
by 2stepsbehind
Mon Sep 22, 2014 5:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5550

Re: Sale of a home between boyfriend and girlfriend.

The first big argument my boyfriend and I had was when my parents wanted him to pay rent to them for living in a house they had bought and I was living in for free. He only wanted to pay if it was going towards equity which they thought was absurd, but he thought was fair. I just remember he and I ...
by 2stepsbehind
Sun Sep 21, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5550

Re: Sale of a home between boyfriend and girlfriend.

Add up the total capital invested and apportion the gains that way. The guy clearly isn't a renter by any legal or moral standard and shouldn't be treated as such. He didn't knowingly and intentionally go in as a renter. He doesn't have a signed lease outlining his responsibilities as well as the l...
by 2stepsbehind
Sun Sep 21, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5550

Re: Sale of a home between boyfriend and girlfriend.

The first big argument my boyfriend and I had was when my parents wanted him to pay rent to them for living in a house they had bought and I was living in for free. He only wanted to pay if it was going towards equity which they thought was absurd, but he thought was fair. I just remember he and I ...
by 2stepsbehind
Sun Sep 21, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5550

Re: Need help protecting assets (marriage)

I am female and in a similar situation in a different community property state, though I understand mine is kinder on asset separation, we both own houses. My plan is fairly simple. I will document exactly how much n what is owned in all accounts. And file quit claims for all real estate property. ...
by 2stepsbehind
Sun Sep 21, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4526

Re: advice on my credit card strategy ?

Wow, with those cards and that amount of spending you have left a TON of money on the table. I echo FNK's question as to whether you really need the privilege of an "unlimited" credit line (keep in mind the amex can still deny purchases on a case-by-case basis according to your spending hi...
by 2stepsbehind
Wed Sep 17, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on my credit card strategy ?
Replies: 6
Views: 905

Re: Young Guy, Probably Not Going To Live A Long Time

Thank-you. Yes, I've made it clear that none of my belongings or possessions are going to my family. What I own will be sold, and added to the money I have saved to be donated. I saw the grief that money fights caused when my grandma died. Not going to happen here. I'll check into those suggestions...
by 2stepsbehind
Mon Sep 15, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4306

Re: Young Guy, Probably Not Going To Live A Long Time

If your intention is to fully leave everything to your family then sure that's fine. Maybe I-bonds or TIPS? But you know what could save a lot of family drama? If there's not that much money to fight about. Take a cruise, see the Eiffel Tower and the Great Wall of China. Spend a week in the Carribe...
by 2stepsbehind
Mon Sep 15, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4306

Re: Hamilton watches, worth the money?

Does anyone else find it a bit amusing the mini lifestyle creep this thread seems to reflect? Oh I bought a really nice suit, so I need a really nice watch to go with it, and can't stop with the watch, I could really use some great cuff links and a pocket square or two. :) If you aren't getting a me...
by 2stepsbehind
Mon Sep 15, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 236
Views: 9771

Re: Am I in over my head?

While I agree that the OP should certainly maximize his human capital, there's a bit of a troubling undertone in some of the posts in this thread. Who is a $9 an hour job good for and why is the OP so much better than that?
by 2stepsbehind
Mon Sep 15, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4660

Re: How to split office expenses

You are thinking about this the wrong way. Whoever organizes gets the credit card rewards. Encourage your wife to open a Chase Ink Plus card (70k bonus points if opened in branch, annual fee of $95 not waived). Happy traveling!
by 2stepsbehind
Sun Sep 14, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to split office expenses
Replies: 6
Views: 583

Re: Inherited 403b - lump sum?

Bob's not my name wrote:You're homing in on my intent. Almost there. Hint: if a group of guys all agree to rob a bank, is the robbery legal?


Are they too big to jail?
by 2stepsbehind
Sun Sep 14, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 656

Re: Inherited 403b - lump sum?

More squabbles result from pursuit of consensus than from exercising the authority the elderly person gave you for a reason. It's not clear if the OP has that authority. I sincerely doubt the OP has that authority or s/he would have written "I have POA over my mother-in-law's affairs." In...
by 2stepsbehind
Sun Sep 14, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 656

Re: Inherited 403b - lump sum?

(assuming everyone is on board) Why? Whoever has the authority to make the decisions has the authority. Whoever doesn't doesn't. Because sometimes it is worth preserving harmony over maximizing profits. Do you know how many family squabbles stem from the perception that someone exerted undue influe...
by 2stepsbehind
Sun Sep 14, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 656

Re: Inherited 403b - lump sum?

Yeah, given what you've posted it seems like conversions to roth are your best bet (assuming everyone is on board). Ed Slott has some great books on the topic/pitfalls to avoid while converting.
by 2stepsbehind
Sun Sep 14, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 656

Re: Estate Planning & investing

Bsteiner is an attorney. I'm sure his services are available for hire if the estate is sufficiently large enough.
by 2stepsbehind
Sun Sep 14, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning & investing
Replies: 10
Views: 1043

Re: Inherited 403b - lump sum?

Yes, the OP said they believe that there would be no taxes due, but it is not clear to me that they've actually done the calculation.
by 2stepsbehind
Sun Sep 14, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 656

Re: Inherited 403b - lump sum?

If she has sufficient taxable assets to pay her bills, why would you want to take the tax hit now? ETA: whats the likely size of her estate and what are the state inheritance taxes you are trying to avoid? OP either way I'd tread carefully on this as the in-law given your spouse seemingly has other ...
by 2stepsbehind
Sun Sep 14, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited 403b - lump sum?
Replies: 16
Views: 656

Re: How to get a child a different teacher after a bad start

It is odd that the OP has had this problem with two different grandkids. Is there something about the children that makes them targets for bullying? (I am not blaming the victim, just trying to figure out what's going on - in one of my early classes there was a classmate who apparently didn't bathe...
by 2stepsbehind
Sun Sep 14, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2592

Re: Rental property with in-laws: please help!

1. I feel this situation comes up at least once a year, and when I ask my wife to discuss it with her family it becomes rocky or is swept under the rug. Bottom line you and your wife need to be on the same page and she needs to be taking the lead on resolving the issue with her parents otherwise no...
by 2stepsbehind
Sun Sep 14, 2014 2:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7824

Re: How to get a child a different teacher after a bad start

Anyone else experience deja vu? http://www.bogleheads.org/forum/viewtopic.php?f=11&t=121795&p=1784888 This may be a bit controversial, but it seems to me unlikely that a kindergarten teacher is likely to take an immediate dislike to a child absent provocation (unless there are some underlyin...
by 2stepsbehind
Sat Sep 13, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2592

Re: Angry when stock market is down

I suggest you stop following the market so closely. Set up automatic contributions and ignore the noise.
by 2stepsbehind
Fri Sep 12, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4166

Re: Neighborhood kid around 13 throwing rocks at my house

For those trying to understand why a 13 year old would do this - don't bother. This does not mean he will be a hardened criminal. His brain is undergoing many changes at this time. As I said above, kids that age do crazy things and then most of the time grow-up to be fine citizens. I would handle t...
by 2stepsbehind
Fri Sep 12, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3131

Re: Bank Closing My Account With No Reason Given

You don't keep significant amounts at the bank and it doesn't appear that you have any other transactions with the bank (mortgage, credit card, loan) that would make you a profitable customer. Presumably your relationship with vanguard is different. Actually per the letter I received it said, "...
by 2stepsbehind
Thu Sep 11, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3980

Re: Bank Closing My Account With No Reason Given

Well, you live you learn. I can accept the fact that wire transfer activity is what caused it (though am still stymied by why now and how come it had been okay the past few years). Anyway, the reason why isn't so important to me at this point than the fact that the bank won't offer an explanation a...
by 2stepsbehind
Thu Sep 11, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3980

Re: New 2% cash back Mastercard from Citi

johnny847 wrote:
2stepsbehind wrote:CWRadio asked:
What credit card offers 2% back on all purchases and no foreign transaction fee besides the Fidelity American Express? Thanks


He said nothing in this post about no annual fees.

Oh. Crap. Totally my fault. Sorry.


No worries!
by 2stepsbehind
Thu Sep 11, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

Excuse me? He did not qualify his criteria as cards that have no annual fee for the first year. He said cards without an annual fee. No modifiers. I gave the correct answer as asked. You're the one adding criteria that he never specified. CWRadio asked: What credit card offers 2% back on all purcha...
by 2stepsbehind
Thu Sep 11, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

Just got mine today. Nice look. One gotcha to avoid - 3% foreign transaction fee. So not the best for world travel. What credit card offers 2% back on all purchases and no foreign transaction fee besides the Fidelity American Express? Thanks As far as I know, none, because there are only two no ann...
by 2stepsbehind
Thu Sep 11, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: Would you quit over the pretend boss

Would you quit over someone like the COO in your company that you meet weekly with? I don't know why the COO has meetings with me when he can't even direct my projects, take responsibility or lead my projects. He doesn't have the technical knowledge on completing a project. I think these two people...
by 2stepsbehind
Wed Sep 10, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 2993

Re: Would you quit over the pretend boss

Every two months, the COO wants me to do a side project. I told him no, I will not do projects that deviates from the CIO's plan. COO is surprised every time and I reminded him yet again that my performance bonus was hurt by doing his projects last year. No is the wrong answer and is going to hurt ...
by 2stepsbehind
Wed Sep 10, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 2993

Re: New 2% cash back Mastercard from Citi

At the end of the day the review is worth the price you paid for it, zero. That said, I don't find the post disingenuous in not discussing the annual fee after the first year because he already indicated that he believes readers of his blog should be pursuing sign up bonuses as opposed to a one car...
by 2stepsbehind
Wed Sep 10, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

Actually, you come out more ahead by cancelling the Barclays before the first year is up and using the DoubleCash. I think it is silly to think of signup bonuses in terms of "X years of annual fee". You can keep the bonus and not pay the fee, so why would you willingly pay it? Actually, y...
by 2stepsbehind
Wed Sep 10, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

Actually, you come out more ahead by cancelling the Barclays before the first year is up and using the DoubleCash. I think it is silly to think of signup bonuses in terms of "X years of annual fee". You can keep the bonus and not pay the fee, so why would you willingly pay it? Actually, y...
by 2stepsbehind
Wed Sep 10, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

At the end of the day the review is worth the price you paid for it, zero. That said, I don't find the post disingenuous in not discussing the annual fee after the first year because he already indicated that he believes readers of his blog should be pursuing sign up bonuses as opposed to a one card...
by 2stepsbehind
Wed Sep 10, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

From the link: And let’s just forget the fact that the Barclay card comes with a 40,000 point sign up bonus worth more than $400 and the Citi card comes with nothing… except odd terms and conditions to keep a balance. Because if you compare them on small spends and include the sign up bonus, the pr...
by 2stepsbehind
Wed Sep 10, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: New 2% cash back Mastercard from Citi

From the link: And let’s just forget the fact that the Barclay card comes with a 40,000 point sign up bonus worth more than $400 and the Citi card comes with nothing… except odd terms and conditions to keep a balance. Because if you compare them on small spends and include the sign up bonus, the pro...
by 2stepsbehind
Wed Sep 10, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: Credit card fraud in South Africa

Very happy both you and Citi picked this up in a timely manner. Well done! This is fairly common and one of the reasons I try to use cash as much as possible internationally. Not easy to do but using a credit card for routine transactions such as meals and save the credit card for paying hotel bill...
by 2stepsbehind
Wed Sep 10, 2014 6:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud in South Africa
Replies: 16
Views: 1230

Re: New 2% cash back Mastercard from Citi

I ran across a blog post reviewing this card. It's a bit in jest but also a decent analysis of the card. I don't think the review is "a bit in jest." I think it's just a flawed, short-sighted analysis. The author hypotheses a world in which nearly everyone travels on a regular basis* and ...
by 2stepsbehind
Wed Sep 10, 2014 5:56 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23723

Re: Anyone use Legal Zoom for LivingTrust?

We have 2 sons.....they get everything 50-50.There is nothing to fight over.It is as simple as it gets.Artsdoc you have made excellent points but you keep reverting back to complex situations which do not pertain to us.If things at some point get complicated we can always make some changes and hire...
by 2stepsbehind
Wed Sep 10, 2014 4:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4957

Re: [Helping someone] think like a rich person

A 30-year-old woman, whom my wife and I are very close to, grew up quite poor on the streets of a major city, had minimal contact with her family, and dropped out of high school. She's extremely bright and turned her life around on many levels. She's currently attending a top-10 law school. However...
by 2stepsbehind
Wed Sep 10, 2014 4:26 am
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4173

Re: When do you have too many credit cards?

According to Credit Karma, 1-5 credit cards receive the lowest rating - an "F". The highest rating ("A") is reserved for those having 22+ cards. - Ron Anyone with 22 credit cards needs to have their head examined. I probably have upwards of 22 credit cards. I also have not paid ...
by 2stepsbehind
Tue Sep 09, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you have too many credit cards?
Replies: 16
Views: 1373

Re: Credit card fraud in South Africa

Very happy both you and Citi picked this up in a timely manner. Well done! This is fairly common and one of the reasons I try to use cash as much as possible internationally. Not easy to do but using a credit card for routine transactions such as meals and save the credit card for paying hotel bill...
by 2stepsbehind
Mon Sep 08, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud in South Africa
Replies: 16
Views: 1230

Re: Anyone use Legal Zoom for LivingTrust?

"Yet people leave their investments to the advice they receive on a website (bogleheads)." True. The difference is that the Bogleheads will not be here for your family when you say away. An estate attorney will be. If someone's estate is extremely simple, no problem. If the estate is siza...
by 2stepsbehind
Mon Sep 08, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4957

Re: Credit Card Account [Automatically Closed] due to inacti

My guess is you called the wrong number. They can't force you to keep a card.
by 2stepsbehind
Sun Sep 07, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 1974

Re: Think like a rich person

With all due respect, I am not sure what you are writing is how rich people think. Are you rich? We can define wealth in many ways. My favorite is the control one has over leisure time. My point, however, is that my friend grew up thinking differently about the nature, purpose and handling of money...
by 2stepsbehind
Sun Sep 07, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4173

Re: Credit Card Account [Automatically Closed] due to inacti

If you try to cancel a credit card you no longer want, it's virtually impossible. The only way I've found to kill a credit card is to not use it for several years. Thats not my experience. If you call the number on the back of the card and say you want to cancel the card, they will do so. They migh...
by 2stepsbehind
Sun Sep 07, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 1974
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