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Re: Do you watch commercials?

I watch live sports so I see plenty of commercials. I DVR my tv shows and start watching them 10 minutes after they start so i can FF commercials. When I watch sports I have my laptop with me, so I just surf the internet during the commercials. I am happy with the system I have. I used to have a me...
by squirm
Sat Feb 21, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1855

Re: Do you watch commercials?

I have such a negative visceral reaction to advertising and marketing that it's bordering on irrational. I at least mute advertisements on TV or switch the channel. I try to ignore the big sign trucks that drive by. I ignore gas station TV. I don't look at billboards. I turn off the radio in betwee...
by squirm
Sat Feb 21, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1855

Re: Halfway

Watch, but do not listen. The gods invented the mute button for a reason. Their some drugs that I have seen commercials for and still have no idea what the drug is for. We also have XM and at times listen to CNBC in the car, obviously we can't avoid commercials there. The stupidest ad my wife and I...
by squirm
Sat Feb 21, 2015 11:54 am
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1855

Re: Do you watch commercials?

Only during the NFL season when my team is playing. I've been thinking about rigging up a home DVR solution (easy enough) so I can cut that out too. I DVR my NFL team too. It took a little getting used to, but now I can't watch football live anymore. I still watch the whole game but can blow by the...
by squirm
Sat Feb 21, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1855

Re: help me speed up my computer

Add some more memory that will help. If you really want to speed it up, add an SSD drive. Some people really hate Windows 8, but I like it, I have no problems with it and it's very fast. Or wait and get a free Windows 10 update later this year. Click Run, type msconfig and see which programs start w...
by squirm
Fri Feb 20, 2015 11:58 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3514

Re: Thoughts on replacing tires?

Don't go cheap with tires! Put some decent tires on you car from a tire shop. I generally negotiate 5-10 bucks off a tire. They generally bite.
by squirm
Fri Feb 20, 2015 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3442

Do you watch commercials?

Tonight on the evening news, there was a segment regarding how some cable channels are speeding up shows in order to insert another commercial or two. I turned to my wife and asked, when was the last time we watched a commercial? for the past ten years, we DVR everything, including sports. Unless we...
by squirm
Fri Feb 20, 2015 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1855

Re: $400 reward to open Chase accounts

I did this with them a couple of years ago for something like a $200 bonus and it went OK. I got a 1099 form then the next year showing that as interest income so you should expect that. In my case though I did not get the 1099 until March after I already filed my taxes so I had to file an amended ...
by squirm
Fri Feb 20, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 13546

Re: $400 reward to open Chase accounts

JGoneRiding wrote:Do u have to get an offer in the mail? Or can u go in and just ask for it? Guess I.need to read my junk mail more closely!

Targeted mailing. I had like 4 offers in the mail.
by squirm
Fri Feb 20, 2015 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 13546

Pension vs 401K

There has been a debate within a few friends regarding which retirement scheme they'd rather be receiving at retirement. The way I see it, Benefit of a pension: Worry free investment. You just receive the monthly income Some pension plans have COLA's and survivor benefits In general the longer you l...
by squirm
Fri Feb 20, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension vs 401K
Replies: 8
Views: 511

Re: $400 reward to open Chase accounts

Wife and I did the same thing. Easiest $800 ever made.
by squirm
Thu Feb 19, 2015 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 13546

Re: What was your dumbest financial decision?

Keeping upwards of 30k in a normal savings account for the past 3 years. Could have made an additional 15k if I had just stuck it in a total market or S&P fund. But that's backwards looking. Nobody has a crystal ball. I keep money in a CD as a cash cushion. Could have made more in the stock mar...
by squirm
Thu Feb 19, 2015 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14805

What is the median 401K worth?

Last night on CBS nightly news, the anchor said the median net worth of a 401k was $59k. I found this odd. I'm assuming their using the median age of an account too, perhaps someone in their 40's, so they would have another 20 years to add to it. However, if I remember correctly, Fidelity indicated ...
by squirm
Thu Feb 19, 2015 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the median 401K worth?
Replies: 8
Views: 1971

Re: Extended car warranty - worth it?

KyleAAA wrote:My understanding is that extended warranties not backed by the manufacturer often have so many loopholes as to be useless.


I have heard the same thing. If I did a warranty it would only be a factory one.
by squirm
Thu Feb 19, 2015 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1849

Re: Home Buying the Boglehead Way (1st Time Buyer)

I have bought a few homes in the past. Understand the best way to go about it is assume nobody will be watching your back. I did all researching myself. Usually the agents know nothing, but they can unlock the doors. I asked my agents to sit down and let me look around and not to try and sell me the...
by squirm
Thu Feb 19, 2015 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5110

Re: Test drive new vehicle without sales pressure?

I just go into the dealer and tell them I'm only there for a test drive and have other unrelated appointments in 90 minutes.
by squirm
Thu Feb 19, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 4757

Re: Extended car warranty - worth it?

Some factory extended warranties you can buy from another dealer outside of your state for lower prices.
It just depends on the individual. If you get a decent deal on a warranty and like a piece of mind, then perhaps it's worth it.
by squirm
Thu Feb 19, 2015 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1849

Re: Streaming music on demand

Hi guys,
We do have our own music, but it's all 80's pop stuff...Most of the time, we'd rather listen to new age, etc.
We do have an Amazon prime account, as a rewards perk from a opened CC account, however we have a Sonos system, which doesn't include a Amazon Prime app.
by squirm
Wed Feb 18, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Streaming music on demand
Replies: 16
Views: 661

Any success stories negotiating with AT&T

Our first year on AT&T DSL and VOIP phone combo was $40/month. It was their promo rate for one year. The year has gone by and our price has gone up to the standard $75/month for the combo. A recent call to them and after some haggling they said they could only reduce it by $15 per month. But wan...
by squirm
Wed Feb 18, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 11
Views: 978

Streaming music on demand

Is there any deals out there for streaming music on demand? Currently our Google All Play trial has expired. I have noticed that most on demand streaming music is $10/month. Has anyone found a better deal? I'm not sure we listen to it enough to justify the $10 a month, although it doesn't seem like ...
by squirm
Wed Feb 18, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Streaming music on demand
Replies: 16
Views: 661

Re: Read WSJ every day ?

I've been getting the WSJ everyday for the past 20 years. I enjoy reading it, I have learned a lot over the years from it too. It is a much better written and researched paper than anything locally.

I've always been on the conservative side, so it usually matches my political viewpoints too.
by squirm
Mon Feb 16, 2015 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4992

Re: Should I raise my tenants rent?

sls239 wrote:Do you ever plan on raising the rent?


Eventually, I plan on increasing it, but not now or the near term.
by squirm
Mon Feb 16, 2015 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1773

Re: Should I raise my tenants rent?

Thanks all, keep the experiences coming if you can. I had a pair of old washer / dryer at the rental property. They were old and worn, I had fixed them myself several times before we rented the place out. My tenant used them for several months. I told him I'd by him a front loader washer/dryer to he...
by squirm
Mon Feb 16, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1773

Re: Should I raise my tenants rent?

Just to answer a few other posts. No my tenant can barely meet ends meet, but could do a $40 increase, but the more I think about it, the more I believe this would be a bad idea. The way things are setup, he and his family could possibly be long term tenants, I don't see how they could afford their ...
by squirm
Mon Feb 16, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1773

Re: Should I raise my tenants rent?

Hello guys. No, the rental is not cash flow positive, but that is because it's a 15 year mortgage. In 2 years it will be paid off. We don't need the extra income. When I was in college my wife and I rented a very nice house. We took very good care of the property and the landlord appreciated that. O...
by squirm
Mon Feb 16, 2015 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1773

Should I raise my tenants rent?

My tenant is also a friend of mine. He has been been my tenant for the past 14 months. I rent out our second single family house to him about 15%-20% below the fair market value. The tenant takes extremely good care of the house, I never have to worry about it. He also fixes things when something br...
by squirm
Mon Feb 16, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1773

Re: Hospital/medical bill - need advice

Everyone, Thank you so much for your detailed responses and advice. It is much appreciated. I feel I have gotten good advice and will now disengage from this thread. I will update it as this saga moves forward if I have other pertinent questions, otherwise I will let everyone know how it ends. Thank...
by squirm
Fri Feb 06, 2015 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

BK, 1) The surgeon will probably not be helpful since he does not bring much money to the hospital- sorry, but that is how that works. 2) I would probably call the main hospital number, and ask for a manager in the billing department- then set up an appointment to meet with him/her in person. I wou...
by squirm
Thu Feb 05, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

BK, From my understanding the surgeon doesn't normally operate out of this hospital, he's well known but most of his surgeries take place in another city. When I speak or have a meeting with the hospital, who do I confer with or who do I ask to meet? Certainly it's not with the person behind the de...
by squirm
Thu Feb 05, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

BK, From my understanding the surgeon doesn't normally operate out of this hospital, he's well known but most of his surgeries take place in another city. When I speak or have a meeting with the hospital, who do I confer with or who do I ask to meet? Certainly it's not with the person behind the des...
by squirm
Thu Feb 05, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

The only useful thing I have to contribute is that many states have something generically known as an "ombudsmans' office for health insurance." Call up the most relevant number you can find and keep asking about the "health insurance ombudsman" until you find someone who seems ...
by squirm
Thu Feb 05, 2015 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

Hello everyone. Thanks for the replies so far. Random, I am insured, it's out of network though for Plan B. Plan B requires that I pay 40% of the costs with no cap. Yes, I understand, but b/c you're not in-network, and hence don't have the advantage of pre-negotiated discounts, your mindset should ...
by squirm
Thu Feb 05, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

> Second, are there things I shouldn't be doing? (in my opinion) you shouldn't pay. And be prepared for this to take LONG time. Maybe you will be lucky, but it might take a year to work out. This should not take a year. If you simply do not pay, you will find yourself turned over to collections, an...
by squirm
Thu Feb 05, 2015 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

Generally, the initial insurance info comes from the surgeon's office when they call the hospital to schedule the case in the OR. However, the hospital registration department then takes their own info. When you went to the hospital for a quote, did you give them the insurance info in writing? That...
by squirm
Thu Feb 05, 2015 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

Guys, thanks for the info. Sounds like there are a few ways to raise this issue. Not only to the insurance, but to the hospital too. However, doesn't the surgeon's office have a role in this? They could have been the entity that provided the wrong information to the hospital. Second, are there thing...
by squirm
Thu Feb 05, 2015 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

toofache32,
So far the insurances customer rep has been on the case. I plan on keeping the pressure on. Thank you for your reply.
by squirm
Thu Feb 05, 2015 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Re: Hospital/medical bill - need advice

Hello everyone. Thanks for the replies so far. Random, I am insured, it's out of network though for Plan B. Plan B requires that I pay 40% of the costs with no cap. Plan A would require 40% of the costs too but with a $3000 cap. The hospital based everything off me being in Plan A. I don't know wher...
by squirm
Thu Feb 05, 2015 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Hospital/medical bill - need advice

Brief update: Early 2014 I visit my surgeon for possible surgery. He concludes I will need surgery. He is not in my health care network however, he has his own private practice. I accept to pay out of pocket for his services. His office schedules the procedure with a hospital facility. His office fo...
by squirm
Wed Feb 04, 2015 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 2892

Can you take out reverse mortgage then rent out house?

Mother is house rich, cash poor. Is it possible for her to take out a reverse mortgage than a year or two later rent out the house, or would the lender bulk at this, even if it was down the road a year or two later?
by squirm
Mon Jan 12, 2015 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you take out reverse mortgage then rent out house?
Replies: 1
Views: 402

Re: Have you quit your job because of your boss?

Hi guys, Wow! Thanks for all the feedback. I read through all the messages twice. Honestly, I'm not sure I could last two years. It's only been a short time under the new supervisor and honestly, I am already so tired of this. In two years, honestly I think I would be going out of my mind. Regarding...
by squirm
Wed Jul 16, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7939

Re: Have you quit your job because of your boss?

Hello, and thank you for all the responses. I did forget to write one important part and that is I'm thinking about quitting for couple years, be a stay at home dad for my 10 year old daughter, getting surgery done (shoulder and back) and then going back to work, hopefully within the same agency (ci...
by squirm
Sun Jul 13, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7939

Have you quit your job because of your boss?

I'm just going to lay this out there. I have a job that I have been in for about 20 years. It's a government job, so I'm in a pension system. I am 48. I can "retire" at 50. I currently make a little over $100k. I hate my boss though. I hate getting up every morning and going to work. It's ...
by squirm
Sun Jul 13, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7939

Re: Primary house converted to rental, tax ?? on improvement

Thank you. There are two ways to determine the cost basis, one is from the initial purchase + improvements, the other is with market value. Tax Cut says to use the lesser of the two. But both are difficult to determine, any advice on this? Also the improvements are done over time, how would this be ...
by squirm
Sun Feb 02, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Primary house converted to rental, tax ?? on improvements
Replies: 4
Views: 458

Primary house converted to rental, tax ?? on improvements

After buying a new house we converted the one we lived in, into a rental last year. We lived there for 10 years and made various improvements, most of the improvements I did myself, such as putting in solid real hardwood floors that took me almost a year, retaining walls, new interior trim, etc etc ...
by squirm
Sun Feb 02, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Primary house converted to rental, tax ?? on improvements
Replies: 4
Views: 458

Re: My brokerage house switched me to a different adviser

Hi guys and thanks for your responses. I believe I probably fit the bill as being small fry, although with a an account over $100k, I would think maybe it's a small-moderate accounts...but what do I know. I never really wasted his time. He would call me once in a while and offer his thoughts on spec...
by squirm
Sat Aug 17, 2013 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: My brokerage house switched me to a different adviser
Replies: 18
Views: 1525

My brokerage house switched me to a different adviser

I have an account at a brokerage house. I have used this adviser for the past several years, suddenly I received a letter telling me they are switching me to a different adviser. Why is that? What is the most common reason for something like this? I have several accounts that in other places such as...
by squirm
Fri Aug 16, 2013 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: My brokerage house switched me to a different adviser
Replies: 18
Views: 1525

Detroit muni bonds

I don't hold any Detroit muni's but my question is, for those that do hold certain Detroit muni's that are under pressure now due to the potential bankruptcy, how does Muni bond insurance work in these cases? Does the insurance pay the holder whole at maturity? A portion? Only the coupon payments? I...
by squirm
Mon Jul 29, 2013 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detroit muni bonds
Replies: 8
Views: 971

Re: Pay keeping up with inflation for your job?

The problem when using inflation as the baseline is that inflation changes for different people. For example, if you've recently been looking to buy your first house, you've been hit with a lot on inflation within the past year or so, as in some parts of the country (mine especially) home prices are...
by squirm
Sat Jul 27, 2013 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay keeping up with inflation for your job?
Replies: 52
Views: 5194

Re: defease a mortgage?

Is it possible to just buy a Fannie or Freddie MBS?
by squirm
Mon Jul 08, 2013 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: defease a mortgage?
Replies: 2
Views: 484
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