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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: 3932

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: 3
Views: 337

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: 3017

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: 3
Views: 337

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: 8610

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: 110
Views: 9215

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: 5052

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: 9525

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: 9525

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: 5641

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: 4680

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: 5467

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: 22688

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: 1232

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: 1232

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: 1232

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: 100

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: 1322

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: 1322

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: 1322

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: 2014

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: 381

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: 1312

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: 1312

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: 4323

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: 869

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: 869

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: 869

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: 869

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: 2738

Re: Forced job responsibility putting me in a panic

Thanks everyone. I appreciate all the very helpful responses and suggestions and will be looking into the resources provided. My boss is in today for a short time and I am going to try to approach him about this before he goes out of town again. I don't want to make myself look "anti-team"...
by mojave
Tue Apr 22, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2738

Re: Forced job responsibility putting me in a panic

This is more than just my fear of speaking. This will be taking up 25% - 33% of my time with no end in sight and it's really administrative. I'll be getting "why don't my speakers work" and "hey will you edit my power point and make it pretty". I want nothing to do with it and it...
by mojave
Tue Apr 22, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2738

Re: Forced job responsibility putting me in a panic

Have you told anyone else at work about this? Especially anyone who might be able to share the duties with you, someone with experience in public speaking? For now, concentrate on getting through this first one, but try very hard to find someone to help you. If you can't, do the best you can and be...
by mojave
Mon Apr 21, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2738

Re: Forced job responsibility putting me in a panic

I must write that you didn't have any problems articulating your thoughts extremely well in this thread, so I am not sure that you are going be bad enough to have them want to replace you. I will also say that as a supervisor, I give similar tasks to my subordinates just to move them out of their c...
by mojave
Mon Apr 21, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2738

Re: Forced job responsibility putting me in a panic

I don't think you need to worry about this. Just do the terrible job that you expect to do and they will notice that you are no good with this and assign the task to someone else. (And I don't even charge a fee for astute advice such as I have just given you.) Lol. That may or may not be one of my ...
by mojave
Mon Apr 21, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2738

Forced job responsibility putting me in a panic

I wasn't sure where to post this but I am in dire need of advice. Preface: Like everyone, I've been in situations in my career and schooling that I didn't want to be in, or given projects I didn't want to do. I've always been able to get over my fears or whatever is troubling me and get through it s...
by mojave
Mon Apr 21, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2738

Building a house - plan resources

My husband and I will be building a house, we are hoping to start this fall. Plan is to live with my in-laws during the build to save money. Not exactly looking forward to that but it's a sacrifice well worth the outcome. My husband will be the builder and the general contractor. He does commercial ...
by mojave
Mon Apr 21, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Building a house - plan resources
Replies: 4
Views: 678

Re: "New" car has crack in windshield, dent on trunk

Thanks all.

The dents are annoying but not a big deal if they won't fix that. However it seems that cracks near the edge of a windshield are a safety hazard...
by mojave
Sat Apr 19, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: "New" car has crack in windshield, dent on trunk
Replies: 7
Views: 846

"New" car has crack in windshield, dent on trunk

We bought a certified pre-owned Hyundai today for my husband to use for commuting because he has been using a truck (which is paid off and we are keeping). We did a test drive and looked it over. While driving home behind my husband, I noticed two shallow dents on the trunk - the car is black and up...
by mojave
Sat Apr 19, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: "New" car has crack in windshield, dent on trunk
Replies: 7
Views: 846

Re: Expensive med. test not covered by insurance

Update: My OBGYN's office manager put me in touch with their rep at the lab. To make a long story short, the most I'll have to pay out of pocket is $25. Yes, $25. And, it doesn't even matter that this is a pre-pregnancy screening. I won't celebrate until I actually get the bill (which won't get to m...
by mojave
Fri Apr 18, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

Hi everyone - first, just want to give a big thank you to everyone that responded. You helped me come down a bit and look at this from a more logical angle. I received a lot of excellent advice and insight into how the system works. Wanted to provide a brief update, my Dr's office called me back and...
by mojave
Fri Apr 11, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

CFTY Gene Com Varients $700 [$4045] Molecular Pathology Interp $24 [$81] Thyroxine; Free $8 [$92] FMR1 Gene Detection $954 [$0] Mopath Procedure Level 2 $2550 [$850] This is somewhat helpful. CFTR genotyping should cost maybe ~$200-400; $700 is expensive, $4045 is ridiculous FMR1 Gene detection sho...
by mojave
Wed Apr 09, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

mojave, you have received a lot of advice on this forum. Have you decided yet on a course of action? I sent a diplomatic email to my Dr first to see what she says. I want it in writing, which is why I went the email route. I explained how I was upset by this situation and basically reiterated my in...
by mojave
Wed Apr 09, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

I carry a copy of my health insurance contract with me to every doctor's appointment. Any time a procedure is recommended by one of my providers, I actually whip out my contract while I'm in the doctor's office and make the insurance person verify the out-of-pocket cost to me while I'm sitting in f...
by mojave
Wed Apr 09, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

Also re: me checking insurance. Now that my mind is a little clearer, I remember that I did check our summary plan description book (after my husband was hospitalized with Meningitis, and I had to battle our insurance for some coverage of that, this book and I became close friends). In my ignorance ...
by mojave
Wed Apr 09, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

For those that know about this type of testing, I was tested for fragile x, cystic fibrosis, down syndrome (I think, don't have the papers on hand) and I think one or two others. It wasn't a test that does 100+ screenings. Also, I just remembered I had them do testing on my immune system and thyroid...
by mojave
Wed Apr 09, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

OP, Take a longer view on this to make the best of your situation Don't pay anything until you have all the possibilities exhausted. Find out who did the test and who you owe the money to. It is probably not your doctor. If it is a large reference lab company, they will likely have discount and pay...
by mojave
Mon Apr 07, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913

Re: Expensive med. test not covered by insurance

Fertility treatment is covered by my insurance. I get that a doctor doesn't know. But it sounds like this was a very unessential test that is almost never covered by insurance unless you are x age. Surely, after 30 years of practice, she would have been aware of this? This isn't an $800 misunderstan...
by mojave
Mon Apr 07, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4913
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