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Re: Mortgage Fraud-People take out mortgage on YOUR property

The other case is someone recording a deed to your property in their name, and then taking out a mortgage on that property. It's a bit more elaborate, in that the perpetrator must also get a notary to go along with the scam. The following link, although specific to CA, has some helpful info: http:/...
by Boglemama
Tue Nov 18, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Fraud-People take out mortgage on YOUR property???
Replies: 8
Views: 1689

Re: Mortgage Fraud-People take out mortgage on YOUR property

From Wikipedia article on mortgage fraud: Identity theft: Occurs when a person assumes the identity of another and uses that identity to obtain a mortgage without the knowledge or consent of the victim. In these schemes, the thieves disappear without making payments on the mortgage. The schemes are ...
by Boglemama
Mon Nov 17, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Fraud-People take out mortgage on YOUR property???
Replies: 8
Views: 1689

Mortgage Fraud-People take out mortgage on YOUR property???

I hadn't heard about his until today! "Mortgage fraud is on the rise, according to the Federal Bureau of Investigation website, which shows the number of mortgage fraud suspicious activity reports increasing from 46,717 in 2007 to 93,508 in 2011. Property fraud can occur when a scammer records ...
by Boglemama
Mon Nov 17, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Fraud-People take out mortgage on YOUR property???
Replies: 8
Views: 1689

Re: Not qualified for my job - what to do?

Take it easy! There is NO ONE who knows their job when they start. No one. You learn. Let's develop a plan to get you ready for this job. You have a project starting in less than a month and a review. Well, first you need to talk to whomever you need to in order to make sure that your project is on ...
by Boglemama
Sun Nov 16, 2014 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4733

Re: Consider freezing your credit

I froze hubby and my credit 4 years ago. I had to unfreeze it last year when we refinanced, and it's not difficult at all. Maybe took me 20 minutes. I did it all online and used our passwords. I asked the lender when they would be pulling the report and unfroze it for that day. Our state offers the ...
by Boglemama
Fri Nov 14, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 3618

Re: Appealing a Tax Assessment on Home

It's important that you learn the rules for assessing. In our area, if the assessor increases the value of the property more than 5% from the previous year, they need to provide evidence for that at a hearing. You only get a hearing if you contest. Read online and find out what the rules are in your...
by Boglemama
Fri Oct 31, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Appealing a Tax Assessment on Home
Replies: 11
Views: 834

Re: Benefits to a larger than necessary house (as children g

I read your post yesterday and thought about your situation. I am a stay at home mom of 2. You have gotten a lot of great advice so far. Your main advantage to staying in your current home is the parents living directly across the street. Moving away into even the perfect home would be not worth mov...
by Boglemama
Wed Oct 22, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits to a larger than necessary house (as children grow)
Replies: 31
Views: 3352

Re: Wife Expecting, Down to One Income Source

We do beautifully on one income. It depends on your priorities. Hubby even plans on retiring early. My focus is on the kids and on running our house like a business. No unnecessary expenditures & maximize spending. I estimate that I made $27,000 last year net, and I didn't work for an employer o...
by Boglemama
Wed Oct 08, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8760

Re: What have you done to cut costs this year?

Appeal property taxes Meal planning Packing lunches and snacks No cable. Just high speed internet for $20 monthly and Hulu for $8 monthly. Question every bill! Caught a $50 error in a medical bill. Skipped an extra week in mowing the lawn Bought all clothes, except undies and socks, at thrift shops....
by Boglemama
Wed Oct 08, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12146

Re: Four credit cards hacked in a 2 month period

Have you checked her credit report? I'd do that and definitely look at places that she frequents like a job, friends, salons, babysitters, etc. Anywhere that she takes her purse and sits it down. Your wallet stays in your pocket when you are out.
by Boglemama
Wed Oct 08, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Four credit cards hacked in a 2 month period
Replies: 14
Views: 2005

Re: Small Moneysavers Which Add Up

Save even more by cutting the cable TV Netflix and projectfreeTV.org works for me We cut cable. Just high speed internet at $20 per month promotional (I have to call every 6 months and get it reinstated) and $8 per month for Hulu plus. We also bought our own modem. Meal planning is also a GREAT sav...
by Boglemama
Wed Oct 08, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7408

Re: What did you always wish for but never got?

I've always wanted to truly learn to ride horses. I spent my childhood reading every book in the Saddle Club series. At this point in my life, riding lessons are still too expensive, but I'm hoping in a couple more years we'll be able to afford it. Obviously I will never be an Olympic show jumper, ...
by Boglemama
Wed Sep 24, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5451

Re: What did you always wish for but never got?

When I was five I met the love of my life. I know I was five and didn't know what love was but I had "that" feeling about this girl. And it only grew. I lived in a small town so as you went from grade to grade you always had the same kids in the same classes. I was in her same class from ...
by Boglemama
Wed Sep 24, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 5451

Re: Need help protecting assets (marriage)

I was also wondering where her savings are if she's working and paying no bills, other than the occasional water bill. Are you concerned about her spending habits?
by Boglemama
Sun Sep 21, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4635

Re: Financial Advisor Compensation

I don't use a financial advisor, but I'd ask your financial advisor what compensation they are getting. If you are a buy and hold investor then I'd think that you really don't need a financial advisor, so any cost would be unnecessary.
by Boglemama
Thu Aug 21, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 3072

Re: Best one-stop company for renters/car/term life insuranc

I am a member of USAA because of my Father in law's military. My parents called them for car insurance and since they were ineligible, USAA directed them to their non-military company who saved them $300 per year on auto insurance! I'd call USAA. Also, I use Banner Life for term, and would also ask ...
by Boglemama
Thu Aug 21, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 1022

Re: Where do you buy clothes?

Goodwill for clothes. I hesitate to spend $40 on a shirt that I can get for $3. Shopping at thrift stores also forces me to be more adventurous in my clothing choices. Prior to thrift shop shopping I would only buy basic colors of clothing. But when I am shopping by size and then what looks nice on,...
by Boglemama
Thu Aug 14, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9828

Re: Do Bogleheads Feel Wealthier?

in_reality wrote:Yes! Since becoming a Boglehead and saving advisors fees, I do not hesitate at all to purchase mangos when I see them in the grocery store. I used to stay more with less expensive fruit.


I love this! (But Aldi sometimes has mangoes on sale for 39 cents. I usually buy 7-8 of them!)
by Boglemama
Tue Jul 29, 2014 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4859

Re: Public Speaking-help

Yep! Totally understand what you are talking about. I quit a job paying 55k, around 20 years ago, because of an impending speech in front of the company. I would get horrible anxiety, including sweating, light-headedness, and almost panic attacks. I have gotten better with public speaking though. He...
by Boglemama
Sat Jul 26, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5486

Re: Auction vs. estate sale to liquidate personal property

Appraised value isn't necessarily market value. For the most money for your items, I'd send photos and descriptions of the $400 plus items to some of the better auction houses (Freeman, Skinner, Sotheby's, etc). The process takes a while, up to 2 months to hear back about market value and whether or...
by Boglemama
Tue Jul 15, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auction vs. estate sale to liquidate personal property
Replies: 5
Views: 980

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Where is the loan held? Call them ASAP! As a co-signer you can get information on the status of the loan. Is it up to date? How much is left on the loan, don't trust him that its 15k. When are payments due? Start calling monthly to make sure the payment is paid. You might consider asking them to co...
by Boglemama
Tue Jul 15, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 8135

Re: A question for the Bogleladies or those who can consult

Professor Emeritus, I am impressed that you would even ask the question. Good for you! Part of this depends on what you consider "underwear". If you mean those things that women wear on top and on bottom every day, getting a nice set might be fun for the both of you. But don't expect her ...
by Boglemama
Tue Jul 15, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6070

Re: A question for the Bogleladies or those who can consult

First, are you sure she'll appreciate this gift? Some women do not like fancy underthings. They wear Jockey for a reason. Second, are you sure this gift is not for you, instead of her? On many an occasion I have encountered men shopping in stores like Victoria's Secret and thought to myself: "...
by Boglemama
Tue Jul 15, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6070

Re: High end purses

I bought a $500 Louis Vuitton bag, and matching $100 checkbook cover, when I was single, without kids, and status symbols mattered to me. I was around 23 years old and in debt up to my eyeballs. Since then, I've sold the bag (for $200) after using it for 5 years and sold the checkbook cover (for $20...
by Boglemama
Sat Jul 12, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 13574

Re: Advice for how to fund my wedding

Option 1. I get the feeling that you initially left out the details about you paying for your family members' travel expenses, just so you could administer a smackdown to us :twisted: Because if you'd put that in your first post, everyone would have said, "Awww! What a wonderful and generous g...
by Boglemama
Tue Jul 08, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 3053

Re: Dip into IRAs to pay off CC debt?

I read your post again and noticed no property taxes or insurance in your budget. For your house or the rental. There are actually a lot of things left out. I'd definitely research money management and work with your wife to construct a thorough budget. At your young age you probably want to get wil...
by Boglemama
Tue Jul 08, 2014 1:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2160

Re: Dip into IRAs to pay off CC debt?

I hate agreeing about selling the rental, because I have a rental, but I agree. I'd sell it and pay off the CC debt and part of the student loans, while saving some for an emergency fund. You definitely need an emergency fund. Why 3 vehicles with 2 people? I'd sell one of them. Extra insurance and m...
by Boglemama
Tue Jul 08, 2014 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2160

Re: Intro & Qs - Paying down debt / Improving cash flow

Do you have a car? Could you take out a used car loan against the car and pay off the higher interest rate debt? I looked at my credit union (digital Fedral Credit Union) and they have interest rates below 3%, lowest is 1.25% for five years, direct deposit, direct withdrawal. Yes! What a great idea...
by Boglemama
Sun Jul 06, 2014 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 9
Views: 877

Re: Intro & Qs - Paying down debt / Improving cash flow

The steps that you are planning on taking will really make a significant impact on your wealth and future financial comfort. Congratulations to you! And you have a very nice plan set up. Some comments: I'd not put your emergency fund into any investments. At $1,000, making a lot of interest isn't go...
by Boglemama
Sun Jul 06, 2014 5:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 9
Views: 877

Re: Getting toddler to brush their teeth

I brush my 3 year old daughter's teeth, then she brushes mine, then we each brush our own teeth. Somewhere along the way all the teeth get clean. It's also really cute to have my daughter say "open!" "now file (smile)" "cheese" "now tongue!" which is exactly w...
by Boglemama
Fri Jul 04, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2825

Re: Ideas on how deal with estate with tons of items

Perhaps this is cynical of me, but I would think that an in-person auction in a small Ohio town is not going to bring the same sort of value for the collection that online auctions or seeking out the appropriate resellers for such collections would bring. If your wife wants top-dollar for everythin...
by Boglemama
Sun Jun 29, 2014 3:46 am
 
Forum: Personal Consumer Issues
Topic: Ideas on how deal with estate with tons of items
Replies: 29
Views: 2668

Re: I cannot make the jump and retire

You should be so thankful that you have found what you love to do! Setting up clinics in 3rd world countries and saving lives is AWESOME! Now to transition to doing it all the time. Retiring is sometimes a dramatic jump into a new life, but it can also be an easy transition instead. You need to set ...
by Boglemama
Sat Jun 14, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8397

Re: Hiring an attorney? Advice please

These are all very good points! I hadn't considered that we may be awarded attorney's fees as part of damages.
by Boglemama
Thu Jun 05, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2009

Re: Hiring an attorney? Advice please

It sounds like you found your attorney, but are uncertain as to how the attorney is paid. First, the attorney should either have you sign a contract or provide an engagement letter that spells out specifically how the attorney is paid. Now as to contingency/hourly: Contingency: If you do not have m...
by Boglemama
Thu Jun 05, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2009

Re: Hiring an attorney? Advice please

I'm concerned you have selected this attorney without interviewing any others. This attorney is the first that we are speaking with about hiring to represent us. We previously needed to speak with an attorney about this matter to get advice on how to proceed, not knowing if further legal advice/rep...
by Boglemama
Thu Jun 05, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2009

Re: Hiring an attorney? Advice please

Based upon your uncertainty whether an hourly fee or contingency fee is the norm, I'm concerned you have selected this attorney without interviewing any others. I have some questions. When you say he was "recommended by others who needed services in this area" do you mean geographic area ...
by Boglemama
Thu Jun 05, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2009

Hiring an attorney? Advice please

We are going to speak with an attorney in 7 days and would like to hire him to represent us. He is going to represent us in a very specialized area of law and has been recommended by others who needed services in this area. We had previously met with him for a one hour consultation and paid his hour...
by Boglemama
Wed Jun 04, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Hiring an attorney? Advice please
Replies: 18
Views: 2009

Re: Low cost retirement options

Have you checked out near Indianapolis, Indiana? There are some wonderful hospitals there (Lance Armstrong was treated for his cancer at Indiana University Health) and the cost of living can be REALLY low in nearby suburbs. Money magazine voted Carmel, Indiana as it's top choice to live in the count...
by Boglemama
Mon May 26, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 2672

Re: New Dodge Grand Caravan vs. Used Honda Odyssey/Toyota Si

We bought a used Honda Odyssey 2005, off lease in 2010. We paid $13k and it had 60k miles on it. It has run GREAT for us. The only problem we have had, in 4 years, was with a sliding door that needed repair because my kids fiddled with it. I would highly recommend searching online, and in different ...
by Boglemama
Sun May 18, 2014 6:36 am
 
Forum: Personal Consumer Issues
Topic: New Dodge Grand Caravan vs. Used Honda Odyssey/Toyota Sienna
Replies: 21
Views: 2572

Re: Best way to send flowers?

I send my wife flowers once or twice a month, I've used proflowers, ftd and local florists and generally prefer proflowers. Proflowers ships directly and also refers to local florists for same day deliveries but you get better and larger arrangements from proflowers than local florists, the flowers...
by Boglemama
Sun May 11, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1074

Re: Unethical Dentist? Advice please!

32 years ago, my dentist wanted to pull all four of my wisdom teeth and I refused, as my orthodontist had previously told me that my mouth had plenty of room for them, they had come in straight, had no cavities and were good chewing teeth. Still, my dentist asked at several appointments when I was ...
by Boglemama
Fri May 09, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2845

Re: Unethical Dentist? Advice please!

Seriously, is there someone I can report this potential problem to? A dental board? Someone? Or should I wait until i get the second opinion from another dentist?
by Boglemama
Fri May 09, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2845

Re: Unethical Dentist? Advice please!

I just received my bill from my dentist. It states "pt stated that she will not have #16 extracted. It is her tooth and she will keep it. Pt stated that we did not tell her that she had a cavity and she was very upset!!! We explained that Dr W discussed this all with her but she insist he didn'...
by Boglemama
Fri May 09, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2845

Re: Unethical Dentist? Advice please!

This dentist was the one who pulled my last wisdom tooth. He didn't refer me to an oral surgeon. Since he benefits financially from me getting this tooth pulled, his opinion isn't objective. I do intend to go to another dentist, that has been referred to me by 2 friends, and switch the entire family...
by Boglemama
Fri May 09, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2845

Unethical Dentist? Advice please!

I have been going to the same dentist for 7 years. I had problems with one wisdom tooth 3 years ago and got it pulled. I hesitate to have surgery like that unless it's necessary, but in this case it was as it was very painful. My last 3 cleanings have been very high pressure from the dentist to get ...
by Boglemama
Fri May 09, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2845

Re: Losing job-financial advice

We will finish out his employment until May 2015. It's a good paying job with excellent benefits that's guaranteed for one year. Guaranteed employment for a year is pretty good. Hubby will begin looking this Fall for September 2015. Thanks for letting me bounce ideas off of you all. Hubby is still p...
by Boglemama
Fri Apr 11, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2022

Re: Losing job-financial advice

Hubby was told that he did not get tenure. He will have a job until next May. May I assume you mean May of 2015? Yes, May of 2015. Thank you all for your thoughtful replies. I plan on contacting a realtor to look over our home and discuss what we need to do in the next year to be ready to sell. We ...
by Boglemama
Fri Apr 11, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2022

Re: Losing job-financial advice

What I wanted to add, but edited out at the last minute, is that it's important to keep an eye on the bigger picture: a happy and supportive spouse/family. In my experience, that ends up being so, so important in quality and satisfaction w/life. Your willingness to be strong--and supportive--is hug...
by Boglemama
Thu Apr 10, 2014 6:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2022

Re: Losing job-financial advice

No real advice, but wanted to say sorry. Are you interested in moving to a particular part of the country, or will everything depend on the job search? Thanks. It's really hard right now. We have a 3 and 6 year old. SO much to do. Thankfully we do have some time to get things together. I would real...
by Boglemama
Wed Apr 09, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2022

Re: Losing job-financial advice

The idea of not using a broker is very appealing. I am considering offering 2%, as opposed to 3, to each buyer and seller's agents. Our house should sell for 3 to 4 times what most houses sell for in our area, therefore the commission would still be more than other homes.
by Boglemama
Wed Apr 09, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2022
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