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Re: EmergDoc on the James Lange Program

Always liked EmergDoc and these this Lange Program is a great podcast. It just got moved into my podcast list.
by rec7
Thu Apr 16, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: EmergDoc on the James Lange Program
Replies: 17
Views: 3314

Re: regret and depression...how to deal with it

Once I met a man that was a millionaire he told me he would trade it all for the heart he had at 18. Money is good but without your health it is not very useful.
by rec7
Sat Apr 11, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 65
Views: 4955

Re: regret and depression...how to deal with it

Buying CD's instead of some of the things I have done would look very smart. LOL I spent several years in the market and made less than people in CD's.
by rec7
Sat Apr 11, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 65
Views: 4955

Re: Has Anyone had a Credit Card Cancelled for not Using It

Does this usually happen after one year of not using it or two?
by rec7
Sat Apr 11, 2015 11:12 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 50
Views: 3407

Re: Legal question

One more question. What is your guess from the date you hand in the paperwork until your trail date how much time?
by rec7
Thu Apr 09, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Legal question

Thanks so much.
by rec7
Thu Apr 09, 2015 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Legal question

Thanks everybody this is my first time do anything like this.
by rec7
Thu Apr 09, 2015 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Legal question

So if I understand this right denovo it is just the business name only on style of case something like In the matter of John Smith V. xyz inc.
I have the RA and the address listed at another spot on the form.
by rec7
Thu Apr 09, 2015 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Legal question

denovo wrote:
rec7 wrote:Yes it is a registered corporation I called the state.


Then you just sue the corporation and do not list the name of the owners.


He is located out of state does that matter?
by rec7
Thu Apr 09, 2015 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Legal question

I am going to small claims court. I am filling out the information sheet to start it. Sam jones owns xyz inc. I John Smith am taking xyz inc. owned by Sam Jones to court Under Style of Case I am not sure how it should read: In the matter of John Smith V. xyz inc. or should it read In the matter of ...
by rec7
Thu Apr 09, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Legal question

Yes it is a registered corporation I called the state(1) that boarders out state(2).
by rec7
Thu Apr 09, 2015 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Poll: What is the credit limit of your credit card?

I had to fight tooth and nail to get a credit limit over 2500 dollars. I started working in 2008 and credit was TIGHT. I had to pay for a hotel stay on a business trip over 3 different credit cards! Now I finally have one card with a 20k limit and a couple others around 10k-15k. For some reason the...
by rec7
Thu Apr 09, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3399

Re: Legal question

I did that but she said it was a legal question and could not answer. I thought about options two since it has both names.
by rec7
Thu Apr 09, 2015 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Legal question[How do I file a claim in small claims court?]

I am going to small claims court. I am filling out the information sheet to start it. Sam jones owns xyz inc. I John Smith am taking xyz inc. owned by Sam Jones to court Under Style of Case I am not sure how it should read: In the matter of John Smith V. xyz inc. or should it read In the matter of J...
by rec7
Thu Apr 09, 2015 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1042

Re: Your homeowner and auto insurance annual rate increases?

Following up my comment above, I am now in the process of obtaining new quotes from several companies on both auto and homeowner's insurance. So far, GEICO is higher on both. (No. They don't save me 15% or more!!) State Farm is higher on both as well AARP Hartford, although their rates are still st...
by rec7
Wed Apr 08, 2015 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 23
Views: 2517

Re: Cell phone question

I might use a camera once every three years. So I am trying to keep the money down.
by rec7
Tue Apr 07, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 930

Re: Cell phone question

Thanks I needed a camera but hated to waste the money on something I might not use again. I don't have a cell phone but might need one in the future so I thought about buying one instead of a camera. The money is around the same amount. I just had another idea maybe I could buy a disposable camera a...
by rec7
Tue Apr 07, 2015 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 930

Cell phone question

Can you take pictures and video on a cell phone without cell phone service?
by rec7
Tue Apr 07, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 930

Re: Montauk Credit Union High CD Rates

I just wonder how a credit union could be so small in the middle of NYC. I belong to one in St Louis with 150,000 members. The rate mine pays in not near as good as Montauk.
by rec7
Tue Mar 31, 2015 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Montauk Credit Union High CD Rates
Replies: 16
Views: 1702

Re: Montauk Credit Union High CD Rates

I am bumping this old post. The rates look good. I wonder why this credit union has less than 4 thousand members in NYC?
by rec7
Tue Mar 31, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Montauk Credit Union High CD Rates
Replies: 16
Views: 1702

Re: Hate where we live, do we make major changes?

I like it Cold, Peaceful and Quiet in Northern New England U.S. Crime Index State Rank Higher crime index value means more crime. Rank Crime Index ▼ State / Population 1. 3,774 District of Columbia / 601,723 2. 2,297 South Carolina / 4,625,364 3. 2,259 New Mexico / 2,059,179 4. 2,233 Tennessee / 6,...
by rec7
Sun Mar 29, 2015 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12078

Re: Hate where we live, do we make major changes?

I can't thank you all enough for the varied perspectives. Let me clear up a few things. I live in Western NY (I'm not sure where "upper" came from, my bad). Cold weather rolls in by late Oct, and doesn't roll out until April, on average. Right now there's still snow on the ground, the win...
by rec7
Sun Mar 29, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12078

Re: Hate where we live, do we make major changes?

I live in Missouri not great weather but better than yours in upper NY. But it is cheap here. I would be careful about moving to far south. I will not go south of Missouri unless it is out west. Humidity can be a bear. I would not mind spending the summers in North Dakota.
by rec7
Sun Mar 29, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12078

Re: Reorganizing credit cards and accounts

I just canceled four cards. Some people will scream about that but my score is still 795. I am trying to make my life more simple.
by rec7
Fri Mar 27, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 2954

Re: Which credit union are you a member of?

I wonder why Montauk Credit Union in NYC only has 3700 members? Any ideas? It has been around since 1922.
https://www.montauk-cu.com/about.asp#history
by rec7
Sat Mar 21, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5004

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by rec7
Fri Mar 20, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5004

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by rec7
Thu Mar 19, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5004

Re: Tax question I forgot to include the $7 dividends my IRA

I know they are not taxable but do you report them each year?
by rec7
Tue Mar 17, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 488

Tax question I forgot to include the $7 dividends my IRA ear

Tax question I forgot to include the $7 dividends my IRA earned in 2014. Do I have to redo my taxes?
by rec7
Tue Mar 17, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 488

Re: When you put some credit cards in a drawer and not use t

I have also heard they will not close a card with a positive balance credit on it. I don't know if this is true but for .02 a card I will give it a try.
by rec7
Mon Mar 09, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1939

Re: Keurig-cup coffee makers - why?

Here's a question to drip coffee users who use the paper filters. I use a Mr. Coffee at night to program my morning brew and I use a reusable filter. I noticed no drip coffee users mentioned using one. Are the paper filters superior to the gold filter? I'm actually a very new coffee maker user so I...
by rec7
Mon Mar 09, 2015 9:34 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12546

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Give Stop acting rich a try. It is a great book.
by rec7
Sun Mar 08, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12245

Re: When you put some credit cards in a drawer and not use t

Thanks everybody it sounds like most companies leave them open.
by rec7
Sun Mar 08, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1939

When you put some credit cards in a drawer and not use them

When you put some credit cards in a drawer and not use them do some companies close them and some not?
by rec7
Sat Mar 07, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1939

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Very very sad. His books are my second favorite behind the Bible. I loved Millionaire Next Door and Stop Acting Rich. On a side note, what is the difference between these two books? I have read Millionaire Next Door, but the title "Stop Acting Rich" made me think it was similar subject ma...
by rec7
Mon Mar 02, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12245

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Very very sad. His books are my second favorite behind the Bible.
I loved Millionaire Next Door and Stop Acting Rich.
by rec7
Mon Mar 02, 2015 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12245

Re: List of favorite accounts

I am doing some laughing here because I do a lot of these or have heard of them. You can tell I spend a lot of time on Bogleheads. LOL By doing several of these things I am saving thousands per year.
by rec7
Thu Feb 26, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 31
Views: 6271

Re: Credit Card accounts (leave open or close?)

Toons wrote:I have 3 credit cards in a drawer that I haven't used in a real long time.
I never consider closing the accounts. :happy


Some companies will close them after a year but not all.
by rec7
Thu Feb 19, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1490

Re: Overfilled Oil in Car - Cause of Oil Leak?

My car was overfilled once by a quart and it did not hurt it.
by rec7
Sat Feb 14, 2015 11:53 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 33
Views: 2067

Re: Amica auto insurance quote very high?

I have a car I drive very little ( well under 5,000 miles/year, I only drive occasionally on weekends and I do not drive to work). I'm shopping around a little to see if I can get a lower rate on auto insurance. Some basic info: I have a 5 year old sedan, owned outright. No moving violations or col...
by rec7
Wed Feb 11, 2015 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Amica auto insurance quote very high?
Replies: 15
Views: 1309

Re: AAA Car Batteries

I think I got 39 months out of my last (auto store) battery. I buy the ones with a three years warranty but they go just a little bit past that. I wonder if they are made as good today as years past?
by rec7
Sun Feb 08, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 12
Views: 1201

Re: How to respond when someone asks how much money you make

FredL wrote:You may not realize in some culture asking how much you make is common.


Which countries are this open?
by rec7
Fri Feb 06, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10600

Re: What exactly is "wealthy?"

The show untold wealth might help
http://www.hulu.com/watch/69479
by rec7
Tue Feb 03, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4169

Re: Are Checking Accounts National?

Why not set up a credit union at your new location. Close the bank account when you leave. Or if you need something in both locations set up a credit union in each. It is easy to move money from one credit union to another. I can do it in one day.
by rec7
Sun Feb 01, 2015 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are Checking Accounts National?
Replies: 13
Views: 1132

Re: Good Wines

What do you folks think of Mogan David concord wine? It tastes good.
by rec7
Sat Jan 31, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4564

Re: How to respond when someone asks how much money you make

pennstater2005 wrote:I just make up a number that I think will bother them the most :twisted:


I use to do that at one of my jobs. It was funny how some people would get worked up about it. We made $10 an hour I would tell all the coworkers that asked I made $20 a hour.
by rec7
Sat Jan 31, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10600

Re: Your Minimum Annual Expenses

We are at 17k so there is not much that we could cut. We just don't spend a lot.
by rec7
Thu Jan 29, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3795

Re: Income on credit card application for high assets/low in

The Wizard wrote:
rec7 wrote:I have found out that banks and credit union don't care about assets only income.

For mortgage loans and car loans, yes, but credit cards are a bit different...


I tried for a credit card with an 8k line and was turned down. I had many 8k's in the bank but had a low income.
by rec7
Thu Jan 29, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 953

Re: Income on credit card application for high assets/low in

I have found out that banks and credit union don't care about assets only income.
by rec7
Thu Jan 29, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 953

Re: Retirement in Arizona - Seeking Advice

A lot of California people like Reno how about Reno?
by rec7
Wed Jan 21, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4749
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