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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 10:51 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1933

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 11:32 am
 
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1256

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 5:37 pm
 
Forum: Personal Consumer Issues
Topic: "gold" USB computer cables
Replies: 15
Views: 710

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 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Emergency savings strategy
Replies: 8
Views: 1426

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 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 38
Views: 3202

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 6:37 am
 
Forum: Personal Consumer Issues
Topic: Air Crash Insurance
Replies: 15
Views: 1134

Re: My 401k match

It is better than my $0.00 for every $1.00 that I get.
by LordB
Fri Mar 07, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: My 401k match
Replies: 24
Views: 1410

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 3:23 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 2159

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 8:43 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4839

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 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you retire like this?
Replies: 72
Views: 6719

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 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Life Insurance for Asset Protection
Replies: 6
Views: 378

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 10:00 am
 
Forum: Personal Consumer Issues
Topic: Life Insurance for Asset Protection
Replies: 6
Views: 378

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 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague given land in Fla Keys
Replies: 25
Views: 1763

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 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Business Bodyguard for online startups
Replies: 4
Views: 554

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 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Litecoin Mining - Has anyone tried it?
Replies: 31
Views: 3235

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 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite web browsing experience
Replies: 9
Views: 972

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 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Small business video conferencing suggestions?
Replies: 13
Views: 807

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 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10424

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 10:53 am
 
Forum: Personal Consumer Issues
Topic: Let relative use my address for bank account?
Replies: 31
Views: 2437

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 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Remote deposit check capture limits
Replies: 12
Views: 1035

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 3:11 pm
 
Forum: Personal Consumer Issues
Topic: anyone replace audio card in their laptop?
Replies: 5
Views: 270

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 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Builder backing out?
Replies: 9
Views: 1381

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 8:08 am
 
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 3375

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 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Car Lease as part of a compensation package
Replies: 27
Views: 1452

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 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: random check in the mail
Replies: 22
Views: 2239

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 4:16 pm
 
Forum: Personal Consumer Issues
Topic: New House Deep Carpet Cleaning
Replies: 7
Views: 841

Re: Help me to understand time shares

Time shares are basically perpetually renting a hotel for a certain week. The vast vast majority of the time they are not worth it. You end up paying as much or more than renting a hotel of similar quality would cost and you are stuck paying it every year. Generally you can trade your week and stuff...
by LordB
Sat Aug 10, 2013 6:20 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 20
Views: 1629

Re: What is my financial advisor doing?

This sounds rather suspicious to me. There are Ponzi scheme warning signs all over this. Single person in control. No clear explanation of what the person is doing. Claims to have predicted issues. Super friendly guy (basketball brackets) Personally I would run... really really fast and hope that I ...
by LordB
Mon Jul 29, 2013 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is my financial advisor doing?
Replies: 49
Views: 3207

Re: Why not pay credit card bill as soon as it arrives?

Like some others I pay the CC bill right when I get it.

Not having that money sitting in my bank account makes me less likely to spend more and the amount I would earn on the float is minimal.
by LordB
Fri Jul 12, 2013 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 4886

Re: Page Plus Versus Republic Wireless - Who's Better?

Pageplus has restrictions on which phones can be activated. I've always used hand-me-down phones from friends/family or ones I purchased on Ebay or Craigslist. These phone have all been previously activated on Verizon. My most recent transaction was an iPhone 4s. Verizon will not let Pageplus activ...
by LordB
Fri Jul 05, 2013 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3484

Re: Is this a new scam?

The answer is simple... The scammer is not sending the check directly most likely. They have scammed someone else with claims of hiring them to do "pay roll" or something similar promising them reimbursement (which will probably come in the form of yet another check with overpayment) to se...
by LordB
Thu Jul 04, 2013 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Is this a new scam? [Check in excess of agreed amount]
Replies: 30
Views: 2723

Re: Wife needs advice on finding entry level IT job

One comment for those debating the IT vs. Software engineering... While the overarching department may be called IT a better word for the department is informatics. Within an informatics department you tend to have an IT department which supports the hardware and infrastructure of a company's techno...
by LordB
Tue Jul 02, 2013 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: Wife needs advice on finding entry level IT job

I don't know if you want to get into it, but why is someone with a masters in comp sci looking for an IT job? Generally programmer/software engineer is a better fit for comp sci especially someone who has done it at the masters level (assuming this isn't a foreign degree that while they say comp sci...
by LordB
Sun Jun 30, 2013 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: Is there any way to shield elderly mother from phone sca

Here is my advice... Google voice will for $20 allow you to transfer the # to google voice. This way she can keep her own number. Get her a new phone # for the home phone. Don't tell her what that number is and set it up to be private on caller id so that literally no one can know the real home phon...
by LordB
Fri Jun 28, 2013 9:55 am
 
Forum: Personal Consumer Issues
Topic: Is there any way to shield elderly mother from phone scams?
Replies: 46
Views: 2319

Re: If a bank offered you 7% on 1 yr deposits..

Interest rates are generally tied to risk.

If this was truly risk free the interest would not be so high.
by LordB
Sat Jun 22, 2013 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: If a bank offered you 7% on 1 yr deposits..
Replies: 36
Views: 2595

Re: What age did you reach 100K networth?

According to mint.com I hit it last December.

I just turned 26. According to my math with current job etc. I will add to it by around $60k (had $80k before edit which was a mistake... I don't make that much after taxes) a year and any raises will just increase that.
by LordB
Sun Jun 16, 2013 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31180

Re: Renting - The Boglehead Way

Just read the contract again and they require a 1 million in renters insurance. I have never had renters insurance before. Who should I go with and about how much will this cost? Well if you go to geico you can probably get a quote... that said they only go up to $300,000... beyond that you have to...
by LordB
Sun Jun 16, 2013 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7742

Re: Is Whole Life right in my situation?

All the debate about whole life aside why would your wife need more insurance if you die in your 70's? As far as I can tell you should have been retired for years (and your wife should be by that point as well) so there would be no loss of income aside from social security which she should partially...
by LordB
Sun Feb 10, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Whole Life right in my situation?
Replies: 16
Views: 799

Re: Unauthorized Use of Information

I would not pursue any legal action unless I had evidence. I am hoping the ISP is willing to help me. I may ask my attorney to send a letter to the ISP if they are not helpful. ISP will not do anything without a warrant from law enforcement. Otherwise they would get dragged into every petty argumen...
by LordB
Sun Jan 13, 2013 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Unauthorized Use of Information
Replies: 22
Views: 1499

Re: Parents need a complete financial overhaul. Need help.

As long as they maintain the 100K salary for the next 12 years, they have a decent shot of an okay retirement here and perhaps may even be able to retire around that time and take SS. That is if they live cheaply to begin with. They should be maxing out the 401K including a catch-up which would ide...
by LordB
Mon Dec 31, 2012 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents need a complete financial overhaul. Need help.
Replies: 7
Views: 696

Re: College Wealth - 2.25% APY FDIC insured

tfb wrote:Some banks have 5-year CDs above 2%. The rate is locked in, not subject to change.


Where are you finding 5-year CDs above 2%?

Highest I see for opening a CD today is 1.75%.
by LordB
Sun Nov 11, 2012 9:58 am
 
Forum: Investing - Theory, News & General
Topic: College Wealth - 2.25% APY FDIC insured
Replies: 14
Views: 2900

Re: Do you think you'd find a job quickly if you left yours

Software engineer. Employment is very hot right now (enough so that I suspect it is in a bubble similar to the telcom mentioned). Today if I lost my job I could get one tomorrow probably with somewhat of a raise. Next year who knows. I doubt if I would become unemployed, but might have to be less pi...
by LordB
Sun Oct 21, 2012 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Do you think you'd find a job quickly if you left yours now?
Replies: 35
Views: 2075

Re: If it were YOU...

I plugged your numbers into http://www.flexibleretirementplanner.com/wp/planner-launch-page/ When I plug in your numbers I get: http://i.imgur.com/4Fo9l Anyways I would recommend playing with this calculator a bit (it is the best one I've found and I've tried a bunch). As a side note if you go to Se...
by LordB
Sun Oct 21, 2012 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: If it were YOU...
Replies: 24
Views: 1912

Re: Car accident settlement offer - opinions, please?

For something like this you might want to ask on fatwallet.com in their finance forum. They are far more litigious than this forum is and much more about maximizing value rather than avoiding conflict which this forum tends to head towards (not saying this is good or bad, just an observation I have ...
by LordB
Sat Sep 15, 2012 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Car accident settlement offer - opinions, please?
Replies: 15
Views: 2637

Re: NY Times Rent or Own

It's still silly to generalize, even within NYC itself. Every situation is different; block to block, building to building. And they present an awfully curious example: Joan Riegel, a 69-year-old educator, started looking to buy earlier this year, when the rent on her 1,000-square-foot Upper West S...
by LordB
Sun Aug 19, 2012 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: NY Times Rent or Own
Replies: 11
Views: 2824

Re: Real Estate Agent NOT Letting Me To View a House!

As a side note OP if you view the house with an agent generally they get commission and if it is the buyer's agent they get to double dip on commission. If you are interested in having a particular agent or even better using a rebating agent you will want that in place before you visit the house.
by LordB
Mon Jun 25, 2012 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Agent NOT Letting Me To View a House!
Replies: 34
Views: 4271

Re: Negotiate job offer? Unique circumstances.

To all those saying don't negotiate I tried that and ended up with a wage 20% lower than what it should have been. I would absolutely negotiate... These offers are done by people far more experienced than you and often they will try to lowball the guy right out of college who doesn't know his worth....
by LordB
Sun Jun 24, 2012 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Negotiate job offer? Unique circumstances.
Replies: 23
Views: 2564

Re: Genealogical DNA testing

Several years go, my brother did this. Since we have the same two parents, he let me look at his genetic history. I can't remember if it was male or female ancestry. It traced (whatever it was tracking) our ancestors from Africa, through part of the Middle East and over to Western Europe. No surpri...
by LordB
Sat May 05, 2012 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Genealogical DNA testing
Replies: 30
Views: 1996

Re: 0% Auto Financing again/still, bubble?

IMO 0% auto financing isn't a bubble. It is just a discount to get people to buy cars. Generally you can do 0% of X off the price of the car... basically they let you choose the discount in cash or as cheaper financing.
by LordB
Sat May 05, 2012 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: 0% Auto Financing again/still, bubble?
Replies: 7
Views: 664

Re: Helping adult mother financially

OP, maybe when your brother needs help, you can provide it directly rather than through your mother who may be siphoning off a piece of the action. If my brother was in jail, even if a druggie, I would help bail him out and get him to rehab. If drug dealers were threatening to kill him for debts, I...
by LordB
Thu Apr 26, 2012 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult mother financially
Replies: 65
Views: 4054
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