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Black sheep? This thread calls for the billy goats gruff!

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[OT comments removed by admin LadyGeek]

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The most common reasons I hear for keeping a landline are: 1. Provides better 911 call location. 2. Works when the power is out. 3. Provides unlimited local calling. 4. Poor cell phone reception at home. I believe emergency response centers have gotten much better at locating 911 calls from cell ph...

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Grt2bOutdoors wrote:Do you have definitive proof where your data was taken from, sounds like sour grapes you have with your former mortgage provider or you are just grasping at straws.

[OT comment removed by admin LadyGeek]

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Roth withdrawals are income for FAFSA purposes, so that is a terrible place for college savings.

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I think your old company may be in trouble beyond belief. Do you mean in financial trouble, or in trouble with the law (or both)? It's hard to see how they could get away with this, unless they are going bankrupt immediately. Even then, some individuals in the company are consciously choosing to wi...

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I don't even know what landlines cost anymore, but they've come way down in recent years, haven't they? No they haven't come down, if anything it's the opposite. They are expensive. It seems they are keeping the price up so that people will either drop it and switch to something else, or else just ...

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livesoft wrote:We don't have cable. We have internet. Guess how that happens?

Standard progression of events?
Get/keep stuff that's worth the price, and get rid of stuff that isn't?

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You could get up to $2,500 from Fidelity if you opened an account with them right now. I frequently rotate money from place to place to get the bonus. Apparently this is if you move a $1M account, so you get a 0.25% boost to your balance. But this is another one to ask, "what's in it for them&...

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Wife and I just signed up for this. It is interesting to see all this information (though some credit cards are also giving scores/info these days) and I understand the scores should be taken with a grain of salt. The list of open and closed accounts is correct. One surprising thing was that my wife...

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If you'd like your old landline number to still exist so that folks that you do business with can reach you without you having to contact them all to inform them of a new number, you have a pretty simple option. Because you ported your old landline number to Straight Talk for use on your current Vo...

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Now if I can somehow view her VG account within my account, that would make it all better and a win in my book. You can definitely do this. We do. The accounts themselves are separate, but you see them all under one login: his/her(or joint) taxable, his/her Trad IRA, his/her Roth IRA, etc. Whatever...

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Checking accounts are a different story. I really think you just need one online-only bank to do all your banking, and I don't have much use for a Brick & Mortar bank. The problem with a checking account at any B&M bank or credit union, large or small, is that they all seem to have annoying...

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I thought of a big difference between credit cards and checking accounts (with regard to opening, closing and bonuses). With credit cards, you should be able to avoid fees and interest, and you get a small discount (e.g. cash back rewards) and other benefits, compared to other payment forms. And it ...

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But the fact remains that the OP now has new information, with negative implications, that their tenant started a fire on the OP's property and is now doing what appears to be a drama queen victim act. This kind of individual poses a significant danger to the OP, and OP needs to efficiently disenta...

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Just FYI, you will be getting a 1099 reporting the checking account bonus as interest income and you will need to pay taxes on that. One year I got a bonus like that and for some unknown reason I didn't get the 1099 until March after I had already filed my taxes. I ended up having to file amended t...

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A tenants business is my tenants business. I say butt out. Tend to your business These kinds of posts totally miss the real point. Yes, it's true that this particular insurance claim needn't involve the OP much, and it would be prudent to keep their distance. But the fact remains that the OP now ha...

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Wife and I each just opened Chase checking accounts and should each get a $300 bonus for doing so. We also each got the Chase Freedom credit card and should each get a $200 bonus (+$25 for the other being an authorized user). We don't normally chase bonuses, but these seem to good to pass up, and we...

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Why does someone who is sensitive to smoke play with grease fires?

I think OP should minimize contact with this individual, and part ways amicably when lease ends or is broken.

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I like my neighbors and I talk to all of them. I have asked them if they minded if I cut branches and also asked them if any trees on my property bothered them. I usually ask at least once a year. Since I get along with everybody, sometimes a neighbor will use me as a go-between when dealing with o...

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I just stay home and pretend I'm doing work.

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Also, see this.
http://www.bogleheads.org/wiki/Approxim ... ock_market

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Well in that case, if Dow Jones Completion Index just equals Extended Market Index, then the answer's been given, e.g. this. It is a fund that is supposed to complete market other than S&P 500. Does a Russell 2000 fund add anything? S&P Completion index includes every US stock that is not in...

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What exactly is "Dow Jones Completion Index"?

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dm200 wrote:Here is the puzzle to me - If this is some sort of tenant "scam" - what is the benefit and/or motive? Sure seems like a lot of work/effort to get some things cleaned.

They get to be pampered and fussed over. This may be extremely important to them.

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flyingbison wrote:
WCF wrote:I'm 23 years old ...
Rent would likely be around $1000-$1100 a month (California). I make about $85k/year.

Move out yesterday.

Or next year.

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If I've done the math correctly (for a 48 year old male), an inflation indexed SPIA from AIG initially has 65% of the payout of a non-inflation indexed SPIA. I would think a better way to compare them would be in terms of the difference in 1st year payout as a percentage of premium. This should be ...

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There may be drawbacks, but staying is much better for overall family wealth. Your parents may see this as a way of getting you on a really solid financial footing. A few years from now you might end up moving to another state, and if it's cheaper, you could be well on your way to owning a house out...

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DW called TIAA-CREF today and was told she could rollover her TIAA-CREF account into an IRA. I'm curious about this step. Do they transfer the finds "in kind", or at least map them to the most similar funds, (or funds of your choice), with no time out of market? Or do they liquidate to ca...

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edge wrote:
555 wrote:
edge wrote:
555 wrote:It's a switch and bait scam.

OK, explain how.

It's a very clever scam. A lot of people here are fooled.

Ok, explain it

You explain why not.

555

For all intents and purposes, any kind of dealer "mistake" is beyond the realm of possibility.

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edge wrote:
555 wrote:It's a switch and bait scam.

OK, explain how.

It's a very clever scam. A lot of people here are fooled.

555

It's a switch and bait scam.

555

The car dealer is the one that is producing all the documents here. They have total control at all times and they know exactly what they are doing. They alone have contrived a situation in which the OP is now being subjected to menacing demands for money. They should be regarded as dangerous crimina...

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I find "Boglehead flea treatment" to be unfortunately ambiguous.

Are you talking about fleas that live on Bogleheads?

Or are the fleas themselves Bogleheads?

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You have to use some Bayesian thinking here. Dealer scams are probably 100 times more common than honest dealer mistakes. This might look like one of those rare honest dealer mistakes, rather than one of the much more common dealer scams, but it would be prudent to assume the worst of the dealer, be...

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The situation can be made quite simple. No discussions about money. No money gifts. No loans. If the friendship/aquaintanceship continues, then fine. If not, then oh well.

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As I said previously, this is a response to the huge number of patients that don't pay their bills after the fact. Certainly no Boglehead would do this, but this is the reality we are left with after so many deadbeats go through the system. Now everyone pays the price. If you don't like it, you sho...

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Plenty more where these came from. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=152213 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=156240 https://www.bogleheads.org/forum/viewtopic.php?f=2&t=156502 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=157098 https://...

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Many threads on this.

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555 wrote:These 5% rotating categories seem really useless. I can't see what I could spend $500 on (though I could spend it on 1% things just to get the bonus). Is there a way to get 5% when purchasing something useful like gift cards for Walmart or Amazon?

harikaried wrote:Just to make sure, you're trying to decide between 41% cash-back vs 45% cash-back?

Well it could be the difference between net worth $999,990 and net worth $1,000,010.

555

These 5% rotating categories seem really useless. I can't see what I could spend $500 on (though I could spend it on 1% things just to get the bonus). Is there a way to get 5% when purchasing something useful like gift cards for Walmart or Amazon?

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The article looks completely accurate to me.

In any case 0.1% is not a particularly low tax rate when you realize that tax rates can be negative.

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This made me wonder if other similar cards would be competing. Sure looks like it.
https://www.discover.com/credit-cards/index.html
New! Double All Cash Back Your First Year
http://www.bankrate.com/financing/credi ... e-rewards/

ETA Though to be honest I find these rotating category cards a bit gimmicky, and not much use.

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For annual passes you would need to buy them at the park themselves they cannot process a charge greater than $50 for an item outside a pre-booked vacation. I have purchased multiple tickets at the ticket window with multiple gift cards the bummer is Sam's Club or any other retailers typically only...

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2) Sam's Club offers disney gift cards at about a 5% discount over face value. You can pay with gift cards for your total. I.e. you save 5% on your trip with that approach. The only problem is the gift cards are in $50 denominations so it takes a lot of data entry to pay for your visit and their we...

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LiveSimple wrote:Closing price of the automatic investing day.

What if you set it to invest on the 15th of every month?
What if you set it to invest on the 31st of every month?

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Sure, but the OP speaks volumes.

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Hello, thank you for any help. I'm extremely new to this. I've been named a beneficiary to a few retirement accounts which include TIAA Traditional Annuity I think, I do know there are two TIAA contacts and two CREF certificates. I haven't contacted TIAA CREF yet, nor mailed any forms they sent me....

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We received a few more offers by noon today, the highest of which was $880K. No contingencies on most of them. We accepted the highest one tonight and signed the contract. I'm hoping this works out and there are no issues along the way. So did your agent get 2.5% of $880k instead of the 4% of $850k...

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