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Re: Apple Stores - do they try to be awful?

I feel that apple is too willing to get very small places for their stores. They end up with not enough room to help people because of this even during non-holiday times and during the holidays it just flat out gets insane.
by LordB
Tue Nov 18, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2903

Re: Buying a home / renting it to a friend

Right now his job is mostly cash based so while he makes good money, he doesn't make a lot on paper to get a loan to buy it himself. So when he wrecks the place and doesn't pay rent you will have no way to go after him for the money even assuming it is the "under the table" cash work and ...
by LordB
Fri Oct 24, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 978

Re: Buying home, have student loans

Personally I would try to pay off the loans student + car before buying a house. 6.5% is very high, you are paying ~$13k a year in interest on them. 1/2 of every payment is going towards the interest. That said while I think it would be a bit tight I don't see any reason why you can't afford a $475,...
by LordB
Fri Oct 24, 2014 6:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying home, have student loans
Replies: 4
Views: 470

Re: Creating a permanent legacy?

I have heard that there are some taxes/laws that prevent a legacy from being truly permanent such as requiring they distribute a certain amount etc. I am going off vague memories though and could be mistaken.
by LordB
Wed Sep 17, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Creating a permanent legacy?
Replies: 46
Views: 4281

Re: What Happens To Mortgage When Borrower Dies?

I used to hear that if one person on a joint checking account died, the account would be frozen when the bank found out about the death. So I used to remind DH that the first thing to do after I die (if he wants to continue eating) is to remove as much money as he could from joint accounts and open...
by LordB
Mon Sep 15, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What Happens To Mortgage When Borrower Dies?
Replies: 12
Views: 1978

Re: Put $$$cash in annuity b4 claiming financial aide

You might want to consider editing your title to use proper language. This forum is not twitter or a SMS. Anyways I have never heard of doing this and I have a hard time believing the massive fees and other disadvantages of going with annuities especially from a pushy salesman would be worth it. Gen...
by LordB
Mon Sep 08, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Put $$$cash in annuity b4 claiming financial aide
Replies: 9
Views: 727

Re: Good Modern Science Fiction

I realize you have enough to keep you busy, but figured I would mention this for others. I like Neil Asher's books. Take a look at Gridlinked as that is the first one of his Ian Cormac series. I should note that Asher later in the series does a fair amount of "that book was wrong" as it is...
by LordB
Mon Sep 08, 2014 7:05 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 138
Views: 6910

Re: Sick Building Syndrome (Electrical Pollution)

I would recommend seeing a psychologist. To put it bluntly there is absolutely no scientific evidence that the things you are talking about cause any harm or have any effect at all. Every scientific study (real scientific studies not ones claiming to be scientific when they are not) has debunked cla...
by LordB
Thu Aug 28, 2014 4:47 am
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1404

Re: Mint.com--does not keep my accounts up to date

I am rather amused that it continues to say that I have a rent bill of 1,250 when my rent bill is 1,025. I have no idea how it even does that... maybe it rounds up to the nearest $250 once bills get above $10000... which would be rather dumb. I have never paid any bills named rent for $1,250. I use ...
by LordB
Mon Jul 28, 2014 6:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Mint.com--does not keep my accounts up to date
Replies: 8
Views: 926

Re: Fraudulent Charges Mystery

How is that possible unless someone is stealing data and manufacturing cards? They steal the card's info with a card reader then make a custom physical card with the data. Often times using gift cards and just re-writing the magentic info though I imagine some get really fancy and make one that loo...
by LordB
Sat Jul 26, 2014 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 21
Views: 3213

Re: Geneological research for unclaimed property

You might be interested in reading about this thread: http://www.fatwallet.com/forums/finance/305858/

And that is from someone who died recently (though in that case millions were at stake and there was a bunch of foreign legal systems he had to go through).
by LordB
Thu Jul 24, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4877

Re: Dumb phone save hikers life

He may not have had cell reception. The phone will send out a message "Hey anyone towers around" and the searchers can monitor for that (I'm not sure if a tower needs to do anything for this to happen, but if so the searchers would presumably have something capable of imitating a tower and...
by LordB
Wed Jul 02, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 1793

Re: Took 2 RMDs by mistake and can't cancel the transaction

Honestly I would consider the executive carpet bomb and/or keep talking and asking to talk to a higher supervisor. Their website caused you to be confused as to if it worked or not. They should have a way to revert it. I find it hard to believe that there isn't some way they can do it especially hav...
by LordB
Mon Jun 23, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Took 2 RMDs by mistake and can't cancel the transaction
Replies: 36
Views: 1949

Re: Credit union with good online bill pay?

DCU (Digital Federal Credit Union) is pretty good. Never had a problem and they don't take the money out until it is cashed if they have to send a check. Though honestly I prefer the money out when I send it... less chance of me forgetting about a check sent if I don't see the money in my account......
by LordB
Fri Jun 13, 2014 3:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1871

Re: Child Life Insurance

$100k 20-year term on a child would cost about $11/month, or a permanent $100k policy would cost about $25/mo. The biggest problem most parents have after the loss of a child is not the funeral expenses, it's the lost time from work coping with the situation. I've seen long-term disability claims t...
by LordB
Tue Jun 10, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Life Insurance
Replies: 29
Views: 1184

Re: My First BH Post - Real Estate Investing Question

Where is the original poster? They have only 1 post to date. My guess would be OP didn't get the answer they wanted so has disappeared. Frequently people have made up their minds on this type of thing and are really just looking for their decision to be validated. When that doesn't happen they get ...
by LordB
Wed May 28, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: My First BH Post - Real Estate Investing Question
Replies: 12
Views: 1080

Re: How many of you negotiated benefits with a new job?

I would just use these items as negotiation for a higher salary. The salary is probably the most important thing anyways since bonuses and future raises are based on it whereas the 401k and stock options are unlikely to change and not going to increase.
by LordB
Tue May 27, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How many of you negotiated benefits with a new job?
Replies: 25
Views: 2510

Re: Ads in Yahoo email inbox that aren't email

I found some information on this Yahoo scheme. From the link you can find out what they know about you and what they are targeting. I have 27 companies tracking what I'm doing. There is an individual opt out option and an opt out-all option. I tried the all option and I got a message that it would ...
by LordB
Fri May 23, 2014 6:44 am
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1865

Re: College Financial Evaluation Tools

I would mention bioinformatics to him though if he is interested in the outdoors that may not be best. That said the well paying and easy to get jobs in biology are generally indoors in a lab or in front of a computer (bioinformatics being a computer, molecular bio being a lab). Bioengineering is qu...
by LordB
Mon May 19, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Evaluation Tools
Replies: 13
Views: 743

Re: Ads in Yahoo email inbox that aren't email

I forgot to mention... Take a look at adblock plus.

https://adblockplus.org/

It blocks all ads and would likely make yahoo tolerable again. That said switching to gmail or similar is still not a bad idea because of the better spam protection etc.
by LordB
Fri May 16, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1865

Re: Ads in Yahoo email inbox that aren't email

Well for email you pretty much just have to bite the bullet and start telling people the new email. Send out an email telling folks that it is changing and with every reply you make doing it from the new email with a warning at the top that your email has changed. Log into as many websites as you ca...
by LordB
Fri May 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1865

Re: 401K Money gone!?!

Thanks for the replies so far. Should I assume the money will not be in the stock market anymore for a while because of this? When investments are changed within the 401K they are usually mapped into similar investments during a certain day. Is that the same when 401K's change providers. I'm really...
by LordB
Sat May 03, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5988

Re: Highlight original poster

I did a bit of hunting and found this:

http://area51.phpbb.com/phpBB/viewtopic ... 08&t=42573

My knowledge of php is very minimal, but I gather it is a simple change though it still requires some coding to do.
by LordB
Sun Apr 27, 2014 9:11 am
 
Forum: Forum Issues and Administration
Topic: Highlight original poster
Replies: 4
Views: 3527

Highlight original poster

A number of forums I go to including reddit and fatwallet highlight who the original poster is in threads when they make additional posts in the thread such as making their name have a grey background or be a different color or some other method of highlighting. I find this really useful and helpful...
by LordB
Sun Apr 27, 2014 7:59 am
 
Forum: Forum Issues and Administration
Topic: Highlight original poster
Replies: 4
Views: 3527

Re: Does Mint.com randomly access your account?

Oy the paranoia on here. Yes mint accesses your account at random times. Many others have explained why. As for the "you invalidate all legal protections giving out your password" yes the legal documentation says that. In practice if mint or any of these other services were ever penetrated...
by LordB
Mon Apr 14, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 2258

Re: Anyone know of places to purchase canes

For those suggesting walgreens etc. assuming you just want a generic adjustable cane amazon is far far cheaper even considering next day shipping. They are $12 on amazon (call it $20 with next day shipping) and $30-$40 at walgreens etc.
by LordB
Sun Mar 23, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1441

Re: "gold" USB computer cables

For some reason, I'm hard on USB cables or they aren't well made or something, and I wind up replacing them periodically. I've heard varying things about whether the "gold" ones are worth the extra few dollars. The non-gold ones I have had work perfectly well until they don't. I start los...
by LordB
Tue Mar 18, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: "gold" USB computer cables
Replies: 15
Views: 773

Re: Emergency savings strategy

A few years ago when I was setting up my fund I found the best bet was CDs with Ally as they had some with only 3 month penalty and a somewhat decent interest rate. Since then though interest rates on the CDs have dropped and Ally has gotten more restrictive with withdraws. When it comes time to ren...
by LordB
Sat Mar 15, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Emergency savings strategy
Replies: 8
Views: 1476

Re: Hospital wants me to prepay for procedure. Normal?

I had an ambulance company call me repeatedly and try to get me to pay claiming that I would get reimbursed by my insurer. Sure enough the insurer paid them direct. I have no desire to be an unsecured creditor to some random ambulance company. If at all possible I would let the insurance company sor...
by LordB
Sun Mar 09, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 38
Views: 3715

Re: Air Crash Insurance

The airlines probably decided that the impression that flying was so risky you needed separate insurance for it every time you flew wasn't all that great an idea for continued business. I think also some prominent attempts to bring down planes were done by people who bought this insurance with the h...
by LordB
Sat Mar 08, 2014 5:37 am
 
Forum: Personal Consumer Issues
Topic: Air Crash Insurance
Replies: 15
Views: 1216

Re: My 401k match

It is better than my $0.00 for every $1.00 that I get.
by LordB
Fri Mar 07, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: My 401k match
Replies: 24
Views: 1498

Re: Banning +1 in Boglehead forums

I like fatwallet's rating code (+, neutral, -) built in and displaying the rating. Though some say having the - encourages negativity so maybe not have that. Dunno how hard this would be to implement with this board's software. And I should note it can cause a competition which generally is not idea...
by LordB
Tue Mar 04, 2014 2:23 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 6220

Re: How much is a fair hourly fee?

The people who are saying that the financial adviser is going to get rich off charging $200 an hour have no concept of the costs... I suspect a financial adviser would be lucky to get paid their hourly rate for 15 hours a week and is likely going to have to spend money on advertising and all sorts o...
by LordB
Mon Mar 03, 2014 7:43 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 5180

Re: Would you retire like this?

The island has public health care hospitals however, for $10 you can skip the line and have all the access to private doctors and hospitals. Does it have health care even for non-citizens which I assume your husband and possibly kids would be? Generally there are rules etc. to prevent people from c...
by LordB
Mon Mar 03, 2014 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you retire [to a tropical island with kids]?
Replies: 121
Views: 10025

Re: Life Insurance for Asset Protection

When a salesman advises life insurance as protection and growth, don't think....run! I am quite aware that life insurance is a poor investment. Then again, so is a bank account - but at least the former offers some protection against a frivolous lawsuit (in certain states). What objection do you ha...
by LordB
Fri Feb 28, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Life Insurance for Asset Protection
Replies: 6
Views: 405

Re: Life Insurance for Asset Protection

Generally the rule of thumb is that life insurance should be used for life insurance. It should not be used for asset protection or anything else that is not to provide for the family in the event of a death. You should use a combination of insurance, LLCs, prenups which are designed for asset prote...
by LordB
Fri Feb 28, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Life Insurance for Asset Protection
Replies: 6
Views: 405

Re: Colleague given land in Fla Keys

Personally it sounds like she should consider refusing this inheritance. She does not have the assets to take advantage of this and the no sell restriction is going to cause major issues that I have to doubt if can be easily managed by someone unfamiliar with real estate over a great distance. If sh...
by LordB
Sat Feb 15, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague given land in Fla Keys
Replies: 25
Views: 1936

Re: Small Business Bodyguard for online startups

Personally I am of the opinion that for most legal things you are far better off paying the money for a lawyer. There are many details which if missed can have huge financial impacts and sometimes laws will be state dependent etc. And honestly I find their whole site unprofessional and would be even...
by LordB
Sun Feb 02, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Business Bodyguard for online startups
Replies: 4
Views: 589

Re: Litecoin Mining - Has anyone tried it?

Or if there's any substantial risk in buying one, trying it out for mining, and returning it in Best Buy's 2 week window if it didn't work well for mining... I could easily carry it with me to the library and plug it in there while I do homework. Personally I would consider plugging in a mining mac...
by LordB
Sun Dec 22, 2013 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Litecoin Mining - Has anyone tried it?
Replies: 31
Views: 3419

Re: Kindle Paperwhite web browsing experience

Yea you don't want to do web browsing on a eink display. I mean I've used it before in a pinch, but it really is terrible... Really slow refresh speed makes browsing very difficult.

I realize you don't like lcd, but unless you are reading a book eink is not the way to go.
by LordB
Thu Dec 19, 2013 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite web browsing experience
Replies: 9
Views: 1254

Re: Small business video conferencing suggestions?

You all do realize you are replying to a thread that had it's last reply well over a year ago. And the first person replying to said year old post it is his only post which tend to point towards paid advertising though maybe it is just someone new to the forum confused.
by LordB
Mon Nov 18, 2013 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Small business video conferencing suggestions?
Replies: 13
Views: 832

Re: My relatives insulted my family for 40 years and think t

Write the will as you want it written -- ignore outside influences (relatives included). Just be sure to include a "no contest" clause, basically stating that anyone who brings contest to the will is disinherited. This prevents them from getting themselves included (post-mortem) in the pr...
by LordB
Thu Nov 14, 2013 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10523

Re: Let relative use my address for bank account?

I let a friend use my address while he was expat in Panama. He opened a bank account there (HBSC) and they dutifully started sending his statements to my address. A couple of years later he closed that account...HBSC dutifully continued to send account statements (now showing his ever increasing pe...
by LordB
Tue Nov 05, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: Let relative use my address for bank account?
Replies: 31
Views: 2646

Re: Remote deposit check capture limits

You might try giving a few banks that you use a call and seeing if they can raise this limit. Sometimes they can especially for a well established relationship. I know I did this with a bank that limited them to $500 and got it raised to $2k. Getting it above the $10k range is obviously quite a bit ...
by LordB
Sun Nov 03, 2013 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Remote deposit check capture limits
Replies: 12
Views: 1066

Re: anyone replace audio card in their laptop?

There are USB sound cards out there. That would be your best bet. Just search usb sound card on amazon and you will find plenty of options. This solution will require external speakers though. As someone else said replacing current one is probably not an option and speakers are probably a big part o...
by LordB
Sun Oct 20, 2013 2:11 pm
 
Forum: Personal Consumer Issues
Topic: anyone replace audio card in their laptop?
Replies: 5
Views: 285

Re: Home Builder backing out?

Consult a lawyer.

The answer will depend on the contract and various laws. No one can give you an accurate answer on this forum.
by LordB
Fri Oct 11, 2013 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Builder backing out?
Replies: 9
Views: 1410

Re: Son's first car

My opinion is buy him the cheapest car you can. Odds are pretty good it will end up crashed/damaged. Unfortunately these days $2000 seems to be about the cheapest you can get. My first car 10 years ago had both side mirrors duct taped on after I had owned it for 6 months and the front bumper was ask...
by LordB
Mon Oct 07, 2013 7:08 am
 
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 4023

Re: Car Lease as part of a compensation package

Personally I think it is a bad idea. People will value the audi differently... Some will value a ton, others will consider it a basically worthless perk. Odds are the amount you spend will be far more than the employees would value the car. Do you really want a company that only has people that valu...
by LordB
Fri Sep 27, 2013 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Car Lease as part of a compensation package
Replies: 27
Views: 1514

Re: random check in the mail

It is almost certainly a scam. You will likely get a call or another mail asking you to send them money in one form or another. That said these people spam out a ton of these and there is no guarantee they follow up on the scam with another contact as often as an example the phone number they have f...
by LordB
Tue Sep 24, 2013 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: random check in the mail
Replies: 22
Views: 2273

Re: New House Deep Carpet Cleaning

I worked as a carpet cleaner in high school. In general the rental machines are junk. At the very least you need a pro portable machine. The van type can be better or worse depending on how close they can get it. The portable machine will maintain a constant suction while the van type lose suction a...
by LordB
Mon Aug 12, 2013 3:16 pm
 
Forum: Personal Consumer Issues
Topic: New House Deep Carpet Cleaning
Replies: 7
Views: 896
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