Search found 583 matches

by 8foot7
Thu Dec 07, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4870

Re: I received a speeding ticket via mail from IA - should I pay it?

Changed my mind. An automated ticket halfway across the country? I'd throw it in the trash.
by 8foot7
Sun Dec 03, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8327

Re: Want to sell my Bitcoin, but when?

If it were me I'd sell it all on January 1.
by 8foot7
Thu Nov 30, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4196

Re: Scammed by Enterprise Car Rental

Enterprise is the absolute worst at these types of pesky almost scammy things. Wait for a bill for scratches that were on the car beforehand. I rent from National and, while they are owned by the same company, find they have treated me well -- this over hundreds over rentals.
by 8foot7
Thu Nov 30, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Advice on HOA financial analysis
Replies: 10
Views: 686

Re: Advice on HOA financial analysis

My experience is that it is generally an uphill battle fighting a developer-controlled HOA board. I tried for three years as the developer tried to use HOA money for infrastructure build out in the second phase of our neighborhood on multiple occasions. You can annoy them and be a hassle; that's you...
by 8foot7
Tue Nov 28, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 4182

Re: Job interviewing - "do you have any other interviews or leads?"

If they had three candidates, didn't like one, and the other withdrew, it is important to realize that it is no great accolade to be at the top of the list. The situation is this: someone, somewhere along the line, didn't like you--your skills, your experience, your interview style, something gave s...
by 8foot7
Mon Nov 27, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 3465

Re: Let Go by MegaCorp - Lots of options

I have no idea why some folks would have you, at 2.1 million net of debt, give up that severance which appears to be basically one year's worth of salary paid to you to do nothing. Spend a year warming up your network, enjoying life, seeing what it is you may have a passion to do in the future.
by 8foot7
Mon Nov 27, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3673

Re: Dental bill four years after service

Just e-mail them and let them know you are processing the bill and you will let them know of a resolution by November 2021. In all seriousness I would at most pay whatever your portion of the bill after insurance would have properly paid out would be. I also think you would be well within your right...
by 8foot7
Sun Nov 19, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 36
Views: 2907

Re: Collection agency calls intended for another person:

they will never stop calling you. Change your number or screen your calls.
by 8foot7
Thu Nov 16, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2015

Re: RE sale: long close vs. bird-in-hand

Just get a LOT of earnest money upfront and go with Option A unless you want to go back on market and get better offers. Have an attorney draw up something that says the earnest money is yours and can only be applied to previously agreed purchase price.
by 8foot7
Mon Nov 13, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16826

Re: Flying first class, business, versus economy.

As a business owner I can set my own travel policy. I've decided that if it's important enough for me to go, it's generally important enough to be in first class domestically and business class internationally. This has two benefits: 1) if I have to go, then I arrive more refreshed and I am more pro...
by 8foot7
Wed Nov 08, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 3097

Re: Business Laptop Suggestions Request

I just bought a Lenovo P51. Should arrive tomorrow. It is heavier than I want, but was the only way to get 64GB of RAM in a single machine that I could reasonably take somewhere (I run many virtual machines). Current machine is a 2011-era ThinkPad X220 which I very much love and has held up well, al...
by 8foot7
Fri Oct 27, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3936

Re: Credit card companies forgiving debt after death?

As executor I was representing the estate, not the creditors. There is a process in place according to state law for filing claims. If they choose not to, that is not a case anyone stiffing them but themselves. As executor, your first responsibility is to follow the law. The responsibilities of the...
by 8foot7
Thu Oct 26, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3936

Re: Credit card companies forgiving debt after death?

I think that's probably true that you only publish in probate. What's the point otherwise?
by 8foot7
Thu Oct 26, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3936

Re: Credit card companies forgiving debt after death?

MIL just died, wife was executor. Close to $20,000 owed to Chase alone. Wife contacted them several times with death notices. Never filed a claim. Estate just closed, all timely filed claims (and a couple of non timely filed claims that came in at last minute) were paid. Chase SOL. I fail to see ho...
by 8foot7
Thu Oct 26, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3936

Re: Credit card companies forgiving debt after death?

MIL just died, wife was executor. Close to $20,000 owed to Chase alone. Wife contacted them several times with death notices. Never filed a claim. Estate just closed, all timely filed claims (and a couple of non timely filed claims that came in at last minute) were paid. Chase SOL. I fail to see how...
by 8foot7
Thu Oct 26, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12574

Re: Request for Promotion letter to Senior Management

The letter is a terrible idea, but then again it may not even matter whether you send it or not. Sometimes you can see your future in organizations and it sounds like you can see yours; you just don't like what it says. From what I can tell, you've been banging on about a promotion for some time no...
by 8foot7
Thu Oct 26, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12574

Re: Request for Promotion letter to Senior Management

The letter is a terrible idea, but then again it may not even matter whether you send it or not. Sometimes you can see your future in organizations and it sounds like you can see yours; you just don't like what it says. From what I can tell, you've been banging on about a promotion for some time now...
by 8foot7
Mon Oct 16, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3411

Re: Bonus pushed back - should I be annoyed?

This thread's subject demonstrates a real problem employers have with including variable monies in compensation packages. A bonus is truly only a bonus the first time it is offered because it is new money; after that it starts to feel to the employees as an entitlement, something they should receiv...
by 8foot7
Mon Oct 16, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3411

Re: Bonus pushed back - should I be annoyed?

This thread's subject demonstrates a real problem employers have with including variable monies in compensation packages. A bonus is truly only a bonus the first time it is offered because it is new money; after that it starts to feel to the employees as an entitlement, something they should receive...
by 8foot7
Mon Oct 16, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3411

Re: Bonus pushed back - should I be annoyed?

Sure, be annoyed. Ultimately either accept it or look for new job.
by 8foot7
Thu Oct 12, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2819

Re: I need a better online checking w billpay and mobile check deposit

ProfLA wrote:
Thu Oct 12, 2017 9:59 am
Charles Schwab bank online platform and Christine service have been superb for me. The monthly deposit limit is $100,000.
What is Christine?
by 8foot7
Thu Oct 12, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2695

Re: A good value wine I found...

I bought a case of the Essential Red blend for something like $9/btl. Recommended.
by 8foot7
Thu Oct 12, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3386

Re: Mechanic expects me to pay for his mistake

Get the mechanic to cover difference between whatever the Ford settlement is and the actual cost to get your truck fixed. Those folks saying the mechanic has no liability in this are simply wrong. You engaged him to repair the problem, not break off tools into your truck's engine. If he knew of the ...
by 8foot7
Wed Oct 11, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5914

Re: Anesthesiologist Advise [how to save money]

Are all of the posts about being super concerned about the OP sarcasm? He or she is 32, no debt, and about to earn 300k/year gross, if not more, for the foreseeable future.

OP, save half your income from the start. Live on the other half. You will be fine.
by 8foot7
Mon Oct 09, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1403

Re: How to deal with estate with no liquid assets and a house?

The executor could borrow from a beneficiary on behalf of the estate, and the beneficiary could establish a lien on the decedent's home for the amount of the loan. The beneficiary would want an appraisal and market analysis to understand the likely sales price of the home less other mortgages. That ...
by 8foot7
Wed Oct 04, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3696

Re: Payroll shenanigans and their implications

The raw truth of this whole issue is that (a) if you're employee and having taxes withheld and (b) it ends up those withheld taxes never make it to the government, then as long as you have a series of records showing what's happened, you will eventually be treated as if the taxes had been paid. You...
by 8foot7
Wed Oct 04, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3696

Re: Payroll shenanigans and their implications

I want to clarify a blanket statement that was made. If income taxes were NOT withheld as the employee requested, the employee is responsible for paying them when settling with the IRS after the end of the year. It is not a case of fraud or theft if something happened to make the income tax withhol...
by 8foot7
Tue Oct 03, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3696

Re: Payroll shenanigans and their implications

"Interesting" if unpleasant situation. (And yes, sounds like a VERY bad prognosis in terms of future employment "stability".) But a question: IF a employer with W2 employees (not referring here to 1099 contractors) fails to withhold taxes and/or SS, who is ultimately responsible for those? Suppose ...
by 8foot7
Tue Oct 03, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7962

Re: What will happen if I refuse to pay a medical bill?

Almost positive you signed a patient responsibly form prior you receiving medical services. It will say, you are the responsible party , you are responsible if your insurance company declines to pay for any reason. If you are refuse to pay the bill you will be in violation of the contract you have ...
by 8foot7
Tue Oct 03, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3696

Re: Payroll shenanigans and their implications

This is not good news for you and implies he's not paying his taxes or perhaps even yours. Keep your stubs and document with photos each time this happens.
by 8foot7
Tue Oct 03, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7962

Re: What will happen if I refuse to pay a medical bill?

Almost positive you signed a patient responsibly form prior you receiving medical services. It will say, you are the responsible party , you are responsible if your insurance company declines to pay for any reason. If you are refuse to pay the bill you will be in violation of the contract you have ...
by 8foot7
Sat Sep 30, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7962

Re: What will happen if I refuse to pay a medical bill?

People vastly overstate the impact a small medical collection item will have on a credit profile, and as some have pointed out there are various methods to disputing to use to greatly reduce the likelihood that would ever happen. If the principle is really important to you, then don't pay. Everythin...
by 8foot7
Wed Sep 27, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4789

Re: $700 to install a dishwasher seem by a plumber?!

They don't want the job.
by 8foot7
Fri Sep 22, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3888

Re: Luxury Car Purchase

1 bed 1 bath detached shack went for close to 600k. I don't want to derail the thread but data abound. I would encourage OP to lock in some gains before buying a six figure car.
by 8foot7
Fri Sep 22, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 3888

Re: Luxury Car Purchase

I don't think I'd buy a 130k car with only 700 liquid. Sell a house and then do it. Seattle is a real estate bubble that is just primed to pop.
by 8foot7
Thu Sep 21, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5587

Re: Deceased Mother medical bill

if her ira had money in it at the time she was in skilled care, then it was accessible to her and as such her bills would have been paid out of it until depleting down to the medicaid limit. instead it sounds like the poa just chose not to pay the bill even though funds existed to do so. then when ...
by 8foot7
Thu Sep 21, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 25351

Re: I won the Lottery. Need sound advice.

I had a lot more respect for the Boglehead collective before I read some of the replies to this thread. Last time I checked, lottery money was just as green and spendable as dividends and appreciation. OP, pay off every bit of your debt and resolve to go all cash all the time no matter what. Then pu...
by 8foot7
Sun Sep 17, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3845

Re: Should I contact a lawyer?

OP: just to clarify, you want the use of this material simply stopped? And You are not offering updated material? All you want to do here is say no?
by 8foot7
Sun Sep 17, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3845

Re: Should I contact a lawyer?

As to authorship, I suspect that the original author has the right to have the authorship of a work correctly attributed. That's probably true, but it would not matter in this case. Suppose the person using this material does prominently put on the material: "This is material conceived, researched,...
by 8foot7
Wed Sep 06, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Check Received: What to do?
Replies: 22
Views: 2345

Re: Check Received: What to do?

Just deposit the check via mobile app or ATM. Move on with life.
by 8foot7
Tue Sep 05, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Wedding gift with Being in the Wedding
Replies: 14
Views: 1179

Re: Wedding gift with Being in the Wedding

I know this is quite a debated/talked about topic. I have seen most average around $100-200 per person. However these are mostly for attending people's weddings. I am wondering about the amount to give if you are in the wedding? My expenses for this wedding are as follows: Tux rental $200 Flight $4...
by 8foot7
Thu Aug 31, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1589

Re: iPhone tempered glass...$6 vs $50?

If the wholesale cost of cracked screen replacement was $100, they're counting on less than 50% broken screens, which seems like a fair bet. They can sell snake oil coating with same warranty. https://www.squaretrade.com/1051b/iphone-warranty [didn't readily find a good comparison of warranty with ...
by 8foot7
Thu Aug 31, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1589

Re: iPhone tempered glass...$6 vs $50?

On the side I do phone repair. I buy these protectors in bulk for $1.50 each and sell them for $15 alongside a screen repair. As far as I know there is no difference in any of them.
by 8foot7
Thu Aug 31, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6866

Re: When to give resignation notice

Did you have a copy of the employee handbook where this notice is required before you accepted the position?
by 8foot7
Tue Aug 29, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4623

Re: Estate Administration Question

Scenario: Single person passes away, leaving modest estate requiring probate. All financial accounts (savings, checking, investment) have designated POD/TOD beneficiaries. Joe is named executor of the estate by the decedent’s will. Joe files the will with the probate court and receives “letters of ...
by 8foot7
Tue Aug 29, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's doctor sent bill to collections without ever mailing anything to us
Replies: 10
Views: 1877

Re: Wife's doctor sent bill to collections without ever mailing anything to us

It is generally never a good idea to just pay a collector when they call you. You should always ask for a validation of the debt. This gives you own time to research the issue with the original debtor. Now you have a paid collection, when at a minimum you could have negotiated a "pay for delete" ar...
by 8foot7
Tue Aug 29, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Should we let MIL pay off our mortgage?
Replies: 69
Views: 9258

Re: Should we let MIL pay off our mortgage?

This plan is unsound from the get-go. You should be renting out your 410k house for about $4,000 a month. If you can't get that, it's not a good rental property, regardless of where you get the financing.
by 8foot7
Sat Aug 26, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How to Break Up With Your Lender
Replies: 7
Views: 1318

Re: How to Break Up With Your Lender

Just did this. Applied and was approved for a 80/10/10 loan with preferred lender in April. Not really 80/10/10, more like 57/22/20 since we were putting down 20% in cash. Preferred lender refused to qualify us for jumbo and wouldn't commit to interest rate at all on the subordinate financing until ...