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Re: Unauthorized charge on corp. card

A simple reply is all that is needed, the condescension in every reply to my question is unnecessary. I am very afraid of getting my identity stolen as it has happened to my in-laws and has been a nightmare for several years. It's not "stupid" for me to ask just to be doubly certain. That'...
by mojave
Mon Dec 08, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 771

Re: Unauthorized charge on corp. card

You mean Affecting you personally? Seems to me it could only affect your credit rating if the bill doesn't get paid. However your COMPANY might come back at you for inappropriate expenditures why not get your company to fix it? Tell THEM there are unauthorized charges. I did, they had me contact ou...
by mojave
Mon Dec 08, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 771

Re: Who Paid for the wedding?

None of the above - I paid for half of it myself. The other half was split evenly between my parents and his parents. His parents did get us our honeymoon, however. My husband paid for the tux.
by mojave
Mon Dec 08, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6500

Unauthorized charge on corp. card

I used my corporate card once and two weeks later, a fraudulent charge was made. I've been on hold with the issuer's fraud department for 17 minutes and counting. Anyway, my SS is not used with this card, but my home address is. My name is unique. I'll ask this of the rep too, but do I need to worry...
by mojave
Mon Dec 08, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 771

Re: Healthcare FSA - expecting, due in July

Yes, but then if it ends up being $2k out of pocket for us, then I only have five months to contribute and three of those will be maternity leave, some of which will be without pay. I personally would rather try to plan ahead, at least get $1k under my belt before July.
by mojave
Tue Nov 18, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 1529

Healthcare FSA - expecting, due in July

It's annual enrollment time for me at work and I just happened to find out I am expecting and due in July. I get health insurance from my husband's employer (we don't pay anything for it, we are very fortunate), but at my employer I am able to contribute to a Healthcare FSA from my paychecks up to $...
by mojave
Tue Nov 18, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 1529

Re: Life insurance coverage if you leave employer

Thanks everyone. Looks like I'll just go term for both of us, but keep what I have already set up for now with the group policy.
by mojave
Fri Nov 14, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1094

Re: Life insurance coverage if you leave employer

Thanks Tyrion and Anon - learned a lot, definitely some food for thought!!
by mojave
Wed Nov 12, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1094

Re: Life insurance coverage if you leave employer

I think you meant to say 'these are group policies' rather than 'these are term policies', right? As others have pointed out, the group policies are likely to increase based on your age. And they not guaranteed to stay at any given rate. I understand your husband is harder (more expensive) to insur...
by mojave
Wed Nov 12, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1094

Re: Life insurance coverage if you leave employer

Here is a comparison of premiums: $318k insurance through employer will cost me $9 a month, ends at retirement $300k quote on term4sale, guaranteed until age 65 (retirement age?) $27+ If I change the quote to 30 year guarantee (age 59), it's $18+ a month. I have no health issues, no family backgroun...
by mojave
Wed Nov 12, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1094

Re: Life insurance coverage if you leave employer

You should get term life insurance. While it may be a bit more expensive now, it will be cheaper as you get older. Term life fixes your rate for 20 or 30 years. I get covered 2x my salary at work. When were about to be parents we got 20 year term to cover roughly 15x household earnings for me and 1...
by mojave
Wed Nov 12, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1094

Life insurance coverage if you leave employer

I have access to life insurance through my employer and have had 2x my salary for the last few years because at first I was single, then married in an apartment. We are now expecting :) :shock: and it's annual enrollment time. I have looked at getting policies outside of my employer but it is more e...
by mojave
Wed Nov 12, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1094

Re: What do you set your thermostat to (in F)?

It depends who walks by it at the time :D

I like 70-72, hubby wants anything below 70.
by mojave
Tue Nov 04, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4620

Re: Lightweight Electric Blanket.

I use one by Sealy. It works as a light blanket in the warmer months and you can remove the wire from it for that purpose. The cover can be removed for washing. I've had it for a few years and it is still going strong.
by mojave
Tue Oct 28, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 1009

Question about stocks and taxes

I have a pretty basic-ish stock question that I can't seem to find an answer for, I wonder if it's because there is a term for it or I just am not describing it well to Google :) Let's say I own shares in company A. Company A buys or merges with company B. A new stock is then created, for new compan...
by mojave
Tue Oct 14, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about stocks and taxes
Replies: 4
Views: 541

Re: Trying to understand Uber and similar "ride sharing" ser

I happened to be in Austin a few months ago right when Uber rolled out there, Uber X. They had a fantastic promo going on, 25 free rides or something like that. Same issue there with the politics and taxi lobbying, but like others have said this is successful because of customer demand. Additionally...
by mojave
Thu Oct 02, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 54
Views: 3951

Re: Possible Uninsured Motorist accident

Rear end collisions are expensive - I know because my husband was just rear ended twice in a one month period! Hopefully this may help you gauge. His beast truck was the second vehicle rear-ended, it was a 3 car pile up and my husband also hit someone in front of him. His front metal bumper had a di...
by mojave
Thu Oct 02, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3721

Re: We have a grocery problem... [Household budget]

"Also noticed I did not buy any gasoline last month."

livesoft - I admire your frugality but I hope you leave your house sometimes :)
by mojave
Tue Sep 23, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem... [Household budget]

You all are seriously awesome. I got so many great ideas out of this. Looking at Costco or Amazon for bulk non-perishables, but we will see. On Sunday, we planned 4 meals for the week together and agreed on a shopping list. There should be enough to not need to order out. Yes, he is very picky. He g...
by mojave
Tue Sep 23, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem... [Household budget]

Extraordinary claims? What are these? An obese BMI suggests even further evidence that the OP can eat cheaper. And that if I ate less and was healthier than my budget would be less. Again, better evidence the OP could do things cheaper. http://i154.photobucket.com/albums/s275/4nursebee/food_zps442a...
by mojave
Mon Sep 22, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem... [Household budget]

I find some posts like these kind of interesting. It is as if some people realy believe they have no personal power in their lives, unable to make decisions or weigh risks and benefits of certain scenarios. Perhaps it is different when asking about things folks know little about, like getting into ...
by mojave
Sat Sep 20, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem... [Household budget]

A lot of great suggestions, thank you. Some of them we cannot do however. He needs to eat over 3,000 calories every day. Honestly, 4,000 would not surprise me on some days. He is moving, running, walking and lifting very heavy things from 7am to 5pm. He barely has any body fat on him either, so he i...
by mojave
Fri Sep 19, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem...

I second sramina's suggestion of a slow cooker. You can spend less than 5 minutes putting a meal in the slow cooker, let it cook while you are at work, and come home to an inexpensive, delicious, healthy meal. I make large portions in mine and just eat the leftovers for lunch the next day. Rinse re...
by mojave
Fri Sep 19, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem...

barnaclebob wrote:how much of your shopping occurs around the perimeter of the grocery store vs down the aisles? Thats a big cost indicator.


Mostly in the perimeter. The only thing I buy in the aisle is frozen pizza, bread, coffee and mac & cheese :)
by mojave
Fri Sep 19, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem...

Thanks everyone, so many very helpful tips and suggestions. I think showing the annual spend will be a shock to my husband and hopefully will get him more on board with fixing this. It will be different when I'm home more, whether it be part time or full time. I don't mind cooking, I hate the planni...
by mojave
Fri Sep 19, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem...

I also live in the Chicago suburbs and recently came to the conclusion that our grocery bills are WAY too high. We primarily shop at Marianos, which I guess would be considered kinda middle of the road in terms of price. As I started to analyze things, I realized that I need to shop a little bit sm...
by mojave
Fri Sep 19, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: We have a grocery problem...

Those frequent pit stops in the grocery stores eat up money. I am trying to stay at one grocery store visit a week. It sounds like your husband is a significant factor in the extra costs. How serious is he about controlling costs? How about offloading some of the work onto him? Why isn't he making ...
by mojave
Fri Sep 19, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

We have a grocery problem... [Household budget]

We need some help and the first step is admitting we have a problem. :-( There are two of us in a household, no kids or pets. We are frugal with everything except groceries and food. We live in the Chicago area so somewhat HCOL. Looking at mint.com, we average over the last 12 months: - $230 a week ...
by mojave
Fri Sep 19, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11403

Re: Life insurance with a smoking spouse

toto238 wrote:If it adds any levity to the conversation, when I originally saw the subject to this thread, my first thought was that "smoking" was a reference to the physical attractiveness of OP's spouse. So that's a thing.


Haha! Well, that too :)
by mojave
Mon Sep 08, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Life insurance with a smoking spouse

Mojave, I get what you are saying about this thread being about insurance and not his quitting, as he isn't going to do it obviously. You are smart in recognizing that nagging him will make it more, not less, likely that he will keep smoking. If he is going to stop, he will need to convince himself...
by mojave
Mon Sep 08, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Life insurance with a smoking spouse

$1M is probably a starting point if he is making $100k+ and you aren't working. Buy the life insurance in the amount that you need and can afford, then re-apply in the future if he ever quits for at least a year. A smoker will pay 2-3x the price for the same coverage as a non-smoker. On a side note...
by mojave
Mon Sep 08, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Life insurance with a smoking spouse

How much income are you hoping to replace with the proceeds from life insurance? I think perhaps you should use the portfolio help format to ask your question. The hope is to cover a mortgage (which we don't have yet, but let's assume $250k) plus enough to cover a year or two of his income to allow...
by mojave
Mon Sep 08, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Life insurance with a smoking spouse

$1M is probably a starting point if he is making $100k+ and you aren't working. Buy the life insurance in the amount that you need and can afford, then re-apply in the future if he ever quits for at least a year. A smoker will pay 2-3x the price for the same coverage as a non-smoker. On a side note...
by mojave
Mon Sep 08, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, th...
by mojave
Mon Sep 08, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, tha...
by mojave
Mon Sep 08, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Life insurance with a smoking spouse

Looking for some feedback from those wiser than I. I'm thinking about getting us life insurance for several reasons - we are planning on starting a family, my husband has a dangerous job and he smokes. He is and will always be the bread winner and our hope is for me to be a stay-at-home-mom at least...
by mojave
Mon Sep 08, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: A 'really good book' you did NOT enjoy

I have my degree in English and Journalism (yes, I found a job) so I have my fair share of "supposed to be good but are unbearable" books.

#1 on my list is Heart of Darkness by Joseph Conrad. I had to read that book so many times and it was rage-inducingly horrible every time. :thumbsdown
by mojave
Sat Sep 06, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12182

Re: Home Depot Breach - zip codes revealed

:? I never thought I would say this but, I'm glad we switched back to Chase. It's easy to get a new debit card, many of their locations will let you do it right there, no waiting for a new one to come through the mail. We had to do this for the Target breach and now this one. And quite frankly, it m...
by mojave
Fri Sep 05, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6290

Re: Husband rear-ended, driver ignoring his insurance

In my opinion your main problem is that you are insured by State Farm. I had State Farm. I'll save myself typing in how badly they handled a car theft incident and a flood insurance incident. Big waste of my time, money, and added stress over a long period of time. Never again. Change to Amica. I w...
by mojave
Wed Aug 27, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

In my opinion your main problem is that you are insured by State Farm. One of our vehicles with full coverage was recently hit and the other party who had AAA insurance was at fault. I contacted State Farm who initially wanted me to take it to a body shop that was cheaper than my first choice, also...
by mojave
Wed Aug 27, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

My mother has State Farm in Florida and this sounds very similar to an experience we had many years ago. Basically, it's go through your policy and pay your deductible, with the deductible being reimbursed to you if they charge it to the other driver's policy later; or wait until the determination ...
by mojave
Wed Aug 27, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

I don't understand why your State Farm policy isn't paying immediately. You should go to a repair facility approved by State Farm. They will repair your car and only charge you the deductible. It's that easy. Yes but we don't want to pay the $500 deductible right now when we don't need to use the c...
by mojave
Tue Aug 26, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

Are you sure they didn't mean you'll just have to pay your deductible out of pocket and be reimbursed later? When I've been in this situation in the past, the body shop was paid directly by my insurance company. I never saw a bill. I did have to pay my collision policy deductible but I got that bac...
by mojave
Tue Aug 26, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

State Farm is paying either way -- either on the other driver's liability policy or on your collision policy. So they should have already told you to get your car repaired. Have they? Just about everything else -- whether the other driver gets a ticket, shows up for court, or ever talks to State Fa...
by mojave
Tue Aug 26, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

greg24 wrote:The insurance company has much experience in this area, you do not. Let the insurance company do its job, its not your job to pursue negligent customers.


We are not pursuing or contacting him in anyway. I'm trying to make sure we don't get screwed over.
by mojave
Tue Aug 26, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Husband rear-ended, driver ignoring his insurance

You will be paid out - you did state that the driver at fault maintained valid insurance from State Farm, correct? If State Farm fails to pay you correct restitution for the policyholder's at fault accident, get yourself an attorney or you can sue them in small claims court but this would be a last...
by mojave
Tue Aug 26, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Husband rear-ended, driver ignoring his insurance

Two weeks ago my husband was rear ended coming up on a red light. The other driver was at fault and received a ticket from the police. My husband wasn't hit too hard and didn't need medical attention thankfully. But at the very least the trunk and bumper will need to be replaced. No idea if the fram...
by mojave
Tue Aug 26, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5480

Re: Is it me, or are "collectibles" worthless in 2014?

There will always be collectibles in high demand but what those collectibles will be is anyone's guess. It changes very quickly.
by mojave
Mon Aug 25, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6848

Re: Recalled baby crib - modify to donate to charity?

Most places like Goodwill do not accept cribs, strollers and car seats.
by mojave
Mon Aug 25, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Recalled baby crib - modify to donate to charity?
Replies: 10
Views: 651

Re: Do you take all of your allowed paid vacation time?

Thankfully, I work for a company that almost forces people to take all of their PTO. After 7 years I have just under 5 weeks of paid time off.
by mojave
Fri Aug 22, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6340
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