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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 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 43
Views: 4575

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 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6011

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 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Recalled baby crib - modify to donate to charity?
Replies: 10
Views: 570

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 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5623

Re: What can happen to a union pension?

Thanks everyone, great things to keep in mind. I am not sure about PBGC but will look into that. If it matters, this is not a public pension, so tax payers do not fund it.
by mojave
Wed Aug 20, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What can happen to a union pension?
Replies: 10
Views: 1119

Re: 2 year Boglehead anniversary - pulse check

I gotta ask: Who was collecting 25% interest for your engagement ring? A jewelry store credit plan? I'm glad it's off your plate :happy It was a credit plan from Wells Fargo. I don't know the details of it but I think it was one of those "low rates for x amount of time!" and then it jumpe...
by mojave
Wed Aug 20, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 590

Re: 2 year Boglehead anniversary - pulse check

so your house was worth $85,000 but you owed $200,000 on it? I may be misunderstanding but outside of closing costs, commissions, etc. How does your net worth go down with the purchase of a house. Looks to be a huge upgrade in net worth, but typically your assets should include the home value and n...
by mojave
Wed Aug 20, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 590

Re: 2 year Boglehead anniversary - pulse check

The Wizard wrote:Sounds good, except for that $3000 CC debt. That will be going away next, right?


Absolutely, we're on track for by the end of the year.
by mojave
Wed Aug 20, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 590

2 year Boglehead anniversary - pulse check

Today is my 2 year Boglehead anniversary and my annual "pulse check". Then and now. We will be building or buying a house in the next year or two so net worth will go down, but we're pretty proud of where we are today. Unfortunately a year ago husband was in the hospital for a few days wit...
by mojave
Wed Aug 20, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 590

What can happen to a union pension?

My husband has been in his Chicago construction union (private union) for 7 years. Each year they send us an update on the state of the investments that fund the pension and the fund is fine right now. What can happen to a pension? I would be surprised, due to politics and the size of this union, if...
by mojave
Wed Aug 20, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What can happen to a union pension?
Replies: 10
Views: 1119

Re: In-Law Financial Issues (long)

My husband and I are also in our late 20s. My parent's finances are in bad shape - they are divorced and in their 60s but they cannot retire and have to keep working. "Thankfully" my dad, who is TERRIBLE at managing money, will be inheriting some money from his aunt as well as his mother a...
by mojave
Mon Aug 18, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4155

Re: HAFA Short Sale

thank you for the info Mojave. It looks like they have 120 days to sell in this program, so they're about 90 days in at this point from their listing date. I'm wondering if the pattern will continue and they'll drop the price again just before their 120 day window is up. We would like to make the s...
by mojave
Fri Aug 15, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HAFA Short Sale
Replies: 4
Views: 711

Re: Strategic Default

Unfortunately I am an expert on this topic. In 2007 my then-single husband, at the age of 22, was making six figures and bought a townhome. Market and housing collapses. He is in construction and his income dropped 40%. Years of struggling ensues. We get married (I did not have my name on the townho...
by mojave
Thu Aug 14, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3072

Re: HAFA Short Sale

Short sales can take quite a while. It could be a few weeks before she hears back from the bank. It is very likely that they have done an assessment on the house and told her that they will not accept anything below x. Because it's a short sale, she does not get any of that money (EDIT: assuming she...
by mojave
Thu Aug 14, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: HAFA Short Sale
Replies: 4
Views: 711

Re: Where do you buy clothes?

I get 75% of my clothes from Goodwill. Mostly Ann Taylor and Banana Republic, have some DKNY, Tahari and Kate Spade too. The next 20% is secondhand from ebay, mostly shoes and jewelry because that's the hardest to find in current styles and in good condition at thrift stores. Plus, that's what reall...
by mojave
Thu Aug 14, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9107

Attitudes toward inheritances.

My father is about as un-bogleheady as one could be. I have a rich great-aunt that never had kids and is a widow. Her husband did very well with his investments, and he was a blue-collar guy. A few years ago my father found out he and his cousins would inherit the estate when she passes. Since he fo...
by mojave
Tue Aug 05, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 10214

Re: High School Reunions--Have you attended?

Both my husband and I skipped our 10 year and have no plans to ever attend any future ones. Zero interest in seeing those people again. My 85-year-old grandmother was just telling me about how she used to have breakfast with her entire class every once in a while. 5 of them are left, out of a 25-per...
by mojave
Tue Aug 05, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5082

Re: Millennials (with jobs) are super-saving their retiremen

To be fair with all the "that's not super-saving" comments, many millennials (such as myself) are underpaid because of the downturn. I started at my job 7 years ago at $32k and am only at $43k now. Based on my research I should be making AT LEAST $10k more and in reality it should be $20k ...
by mojave
Thu Jul 17, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9584

Re: Millennials (with jobs) are super-saving their retiremen

Yes, I am 29 and I actually have almost exactly $31k in my 401k. I started saving when I was 22 as well. I started then because I knew the importance of saving for retirement but at the time I was doing the bare minimum for the company match. I wasn't making much plus I thought "retirement? Tha...
by mojave
Tue Jul 15, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9584

Re: Knowledge gaps + anxiety = shame; gender and investing

If someone responds to me and assigns a gender I am always male. I am not male.
by mojave
Mon Jul 14, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5688

Re: Anyone here flip houses?

FWIW - my husband is a contractor and can do everything himself except plumbing and electricity. We tossed around the idea of flipping for about a year, looked at different houses too. In the end it was too much risk and too much work for him, and we wouldn't even be paying any labor costs and have ...
by mojave
Mon Jul 14, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4687

Re: I found a new coffee.

Aldi's brand is really good too, we buy the whole bean. The "donut shop" version is my favorite but they rarely have that one. It's usually the "morning blend". I think it's $4 for a lb? Maybe $5.
by mojave
Thu Jul 03, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5512

Re: The Millionaire Next Door: Are You One?

In our group of friends we are but not millionaires. We are the highest earners of our friends, I know this because I know my girlfriends' incomes and I know their husbands' incomes are well below my husband's because of the careers they have. All of them have pets or/and kids, and own townhomes or ...
by mojave
Tue Jul 01, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22739

Re: Class-action lawsuits

Class action you say?? Fantastic book (and you will never look at class actions the same way again): The Circle of Greed (or how the leading class action lawyer in America, California's own Bill Lerach, became a convicted felon) http://www.amazon.com/Circle-Greed-Spectacular-Brought-Corporate/dp/07...
by mojave
Thu Jun 26, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1239

Re: Class-action lawsuits

Spirit rider - it is for the force placed insurance.
by mojave
Thu Jun 26, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1239

Class-action lawsuits

My husband received notice in the mail about a class-action lawsuit he is eligible to make a claim for against Wells Fargo for a property we no longer live in (Fladell v. Wells Fargo Bank). I've read through the documents and it seems pretty straight forward, Wells Fargo wants to settle instead of g...
by mojave
Thu Jun 26, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Class-action lawsuits
Replies: 16
Views: 1239

Education/podcasts for PR & Communications

I walk a lot and listen to "The Roadhouse" podcast, a blues station, on those walks (highly recommend that station if you like blues btw). I'm looking to find a podcast, if there is one, that would be relevant to my career and am hoping someone has recommendations. I am in Communications a...
by mojave
Wed Jun 25, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Education/podcasts for PR & Communications
Replies: 0
Views: 101

Re: Property tax (Illinois)

We plan on ending up in Southern Wisconsin in the next 10-20 years. That place is really building up and there will be a lot of work. Uline just moved to Pleasant Prairie and are even building a new building, adding 500 jobs. Amazon is currently building two warehouses. I think more businesses will ...
by mojave
Wed Jun 11, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property tax (Illinois)
Replies: 16
Views: 1323

Re: Property tax (Illinois)

FAnyway, I know to compare to similar properties but they are all about the same, save for a $30 difference. Has anyone here ever traveled into the depths of property taxes and found a hidden law or error to lower yours? Any suggestions from anyone in the business on things to check into? The count...
by mojave
Mon Jun 09, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property tax (Illinois)
Replies: 16
Views: 1323

Property tax (Illinois)

For fun I'm trying to see if I can uncover something to lower property tax on some property I own, an empty lot in an empty subdivision of 40 1-acre lots (there are two houses up and three being built right now). We're in IL and the aggregate rate on the property is 10.24. The calculated level of as...
by mojave
Mon Jun 09, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property tax (Illinois)
Replies: 16
Views: 1323

Re: Thoughts on using Mint.com?

I am a big fan. I only have our spending accounts connected to easily compare month-to-month expenses. My favorite feature is text alerts. My husband has no interest in keeping up with our finances, so I have the text alerts sent to his phone. So, any time we go over budget on something or we get ch...
by mojave
Tue Jun 03, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on using Mint.com?
Replies: 36
Views: 2038

Re: Keeping Up on Antiques/Collectables Trends

Hi - offspring of a collector here, been around antiques my whole life, in the business myself now to a small degree. There's a reason Antiques Roadshow is specialized. It is impossible to be an expert in everything. Anyone that claims be an expert in antiques as a whole is lying. I specialize in ki...
by mojave
Fri May 23, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Keeping Up on Antiques/Collectables Trends
Replies: 3
Views: 391

Re: Neighborhoods for Weeklong Rental In/Around Chicago

Cottons wrote:
p.s. Go to Kumas Too, on 666 W Diversey. It's a metal bar, but the burgers are worth killing for. Thank me later.


Is that the one that had the burger with the communion wafer?
by mojave
Wed May 21, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Neighborhoods for Weeklong Rental In/Around Chicago
Replies: 16
Views: 1328

Re: Neighborhoods for Weeklong Rental In/Around Chicago

I second Logan Square just be mindful of your surroundings. Stay as close to the square as you can. My brother lives there - great up-and-coming neighborhood with great restaurants and atmosphere. Just don't try to eat at Longman & Eagle unless you don't mind a 4 hour wait (never fails...) If yo...
by mojave
Wed May 21, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Neighborhoods for Weeklong Rental In/Around Chicago
Replies: 16
Views: 1328

Re: Grand Canyon

Everyone is talking about the North and South rim but we went to the West rim because it was closest to Vegas where we were staying. The West rim is on a Reservation and there are no railings. We went the day after my now husband proposed to me - my husband has no fear of heights and works hundreds ...
by mojave
Wed May 21, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4368

Re: Buying fine art (Dali particularly)

After seeing the 60 minutes story on this art forger and how how leading experts are relunctant to authenticate, it would be extremely hard for me to pay any significant amount of money for any well known artist. http://www.cbsnews.com/videos/the-con-artist/ Yes, that has been in the back of my min...
by mojave
Fri May 02, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Buying fine art (Dali particularly)
Replies: 8
Views: 872

Re: Buying fine art (Dali particularly)

If they're not "popular" right now maybe I can get an original for a decent price :) My all time favorite is Hieonymous Bosch but I would need a small fortune and extreme luck to come across something of his. Also, my husband would not be happy with me if I brought one of those home, price...
by mojave
Fri May 02, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying fine art (Dali particularly)
Replies: 8
Views: 872

Re: Buying fine art (Dali particularly)

Dali is one of my favorites too and I think I have a signed print of his in storage that my parents bought me. I couldn't believe they could afford something like that, so I started doing some research and found they were relatively cheap. Then I found where he said that thousands of his "limi...
by mojave
Fri May 02, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Buying fine art (Dali particularly)
Replies: 8
Views: 872

Buying fine art (Dali particularly)

My dad is an artist and it is a big part of my family and background. Though I unfortunately did not inherit the artistic gene, I enjoy reading about art history in my spare time. One of my favorite artists is Dali. I just found out there is an estate sale near my office that has some Dali. They pro...
by mojave
Fri May 02, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Buying fine art (Dali particularly)
Replies: 8
Views: 872

Re: Son or Daughter working with Mom or Dad?

I did my internship at a Marketing and Advertising agency in downtown Chicago in the mid 2000s. My dad was the VP and I was shadowing people that worked for him. I think at the time (they tripled in size after I left) there were MAYBE 30 people. The success of this really depends on your personaliti...
by mojave
Wed Apr 23, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 16
Views: 1189

Re: Building a house - plan resources

I love the Robinson plans - we're going with Craftsman style so that was perfect. Thank you.

I'll have to check out the Gardenwebs build forum, haven't been in there before. I used to post there a lot with my house plants :happy
by mojave
Tue Apr 22, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Building a house - plan resources
Replies: 4
Views: 678

Re: Forced job responsibility putting me in a panic

"I also want to know why they feel that this is the best use of my time and why they think I am the best candidate for this." I wouldn't make that assumption. It may be that all the other candidates were able to weasel out of the assignment, and you're the only option left. It's even poss...
by mojave
Tue Apr 22, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2746
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