Search found 1856 matches

by Raymond
Tue Mar 05, 2024 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Mid-career change to law?
Replies: 127
Views: 11686

Re: Mid-career change to law?

Dalexh32 wrote: Sat Mar 02, 2024 12:54 pm Did OP respond?
He hasn't been back since he posted the original message on Feb. 29th, unless he's reading without logging in.
by Raymond
Fri Mar 01, 2024 1:59 pm
Forum: Investing - Theory, News & General
Topic: Which pizza shop should I invest in?
Replies: 19
Views: 1464

Re: Which pizza shop should I invest in?

adamthesmythe wrote: Fri Mar 01, 2024 1:40 pm You should not entangle yourself financially with family.
+1

OP, assuming you want to go ahead and invest anyway, you might want to ask (among other things):

- What do your brothers know about the pizza business?
- Have they run any kind of businesses before?
- What do *you* know about the pizza business?
- What percentage of your net worth is $100,000? Could you afford to lose it all if everything goes wrong?
- How will your relationship be affected with one brother if you choose to invest in the other brother's business?

This is sounding less and less like a good idea...
by Raymond
Mon Feb 19, 2024 9:43 am
Forum: Personal Consumer Issues
Topic: What email address is "okay/acceptable" to use then?
Replies: 168
Views: 18031

Re: What email address is "okay/acceptable" to use then?

FireSekr wrote: Sun Feb 18, 2024 6:07 pm It’s impossible for me to take anyone with @hotmail.com or @yahoo.com seriously.
I give my Hotmail address to people and companies who don't need my real (my own domain) e-mail address.
by Raymond
Wed Feb 14, 2024 9:48 am
Forum: Personal Consumer Issues
Topic: Sewer gas odor? Check your HVAC drain!
Replies: 4
Views: 817

Re: Sewer gas odor? Check your HVAC drain!

Outstanding work!

Would this also explain an intermittent sewage smell my wife and I experienced in a hotel room last summer?

Every time the room above us flushed their toilet, about five seconds later we would get a slug of smelly air poofing out of the HVAC vent right above our bed.

It would dissipate within thirty seconds, but still...
by Raymond
Sun Feb 04, 2024 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Stipulation in a will
Replies: 8
Views: 1499

Re: Stipulation in a will

Thank you for the answers. I'm just trying to figure out why my son has stopped talking to me suddenly after he saw dad's will. (I didn't see the will or anything in the safe, only my son did) Pure speculation but I’d guess that your spouse left things to you rather than your son. I got more of a vibe that dad is OPs ex (thus the reference to dad rather than DH). Also OPs question implies the father may have told son he can only inherit if he cuts ties with mom (i.e. OP) and OP is wondering if that happened since her son stopped talking to her. The way OP worded "after he saw dad's will" confused me - by "dad", did she mean the son's father (OP's husband or ex-husband), or her own father (i.e. the son's grandfather)? OP...
by Raymond
Mon Jan 22, 2024 10:06 am
Forum: Personal Finance (Not Investing)
Topic: College counselor/consultant
Replies: 65
Views: 4579

Re: College counselor/consultant

The book Who Gets In And Why is by Jeffrey Selingo (not "Selling" as mentioned earlier).

I found it to be very helpful when my daughter was applying to several colleges this school year (high school senior.)

Did not use a college consultant.
by Raymond
Sat Jan 20, 2024 11:20 am
Forum: Personal Investments
Topic: Managing a Surprise Multi-Million Dollar Inheritance at 29
Replies: 25
Views: 4585

Re: Managing a Surprise Multi-Million Dollar Inheritance at 29

As someone who has dealt with relatives in the aftermath of an estate settlement this is a red flag or at least raises my antennae. Please explain why this is "a surprise turn of events" before going further. Why is this a "surprising turn of events"? Are there other relatives out there who may feel that they've been disinherited?... That was my first question too - I hope OP won't have a follow-on post titled, "My mother is being sued by her siblings, what should she do?" And as mentioned previously, it would be a good idea for your mother and you to keep your lips tightly sealed about this situation - the smell of money brings the hyenas around, including "financial advisors", new "friends&quo...
by Raymond
Thu Jan 18, 2024 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Giving High-Level Advice to Younger People If You Are Older
Replies: 70
Views: 5788

Re: Giving High-Level Advice to Younger People If You Are Older

MrCheapo wrote: Thu Jan 18, 2024 2:50 pm ...My main point is I saved every single penny, shared a care with my spouse etc early on...
Why not give that advice? That sounds a lot better than the original list.
by Raymond
Thu Jan 18, 2024 2:50 pm
Forum: Personal Consumer Issues
Topic: Email address found on the "Dark web"
Replies: 30
Views: 5649

Re: Email address found on the "Dark web"

Horologium wrote: Mon Sep 25, 2023 2:36 pm My guess is that Experian is trying to gin up fear and alarm in order to sell dark web monitoring services.
That was my first thought too.
by Raymond
Thu Jan 18, 2024 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Giving High-Level Advice to Younger People If You Are Older
Replies: 70
Views: 5788

Re: Giving High-Level Advice to Younger People If You Are Older

If anything, the two items in the original post would be the complete opposite of the advice I would give to anyone, particularly a younger person.

If I were to offer any advice (and only if I were asked), I would say:

1. Don't expect to inherit anything, and plan accordingly.
2. Assume your income might not increase, or that you might lose your job at any time, and plan accordingly.

If things turn out well, then so much the better.
by Raymond
Sun Jan 14, 2024 7:52 am
Forum: Personal Consumer Issues
Topic: UK Trip Estimate
Replies: 104
Views: 9487

Re: UK Trip Estimate

Prudence wrote: Sun Jan 14, 2024 7:19 am All, thank you for the excellent replies. My conclusion is that we can save a lot of money with a different approach.
I'm glad you are considering a different approach - the itinerary the travel agent proposed was ridiculous (in my opinion) - with that frequency of changing lodgings, it would all just become one long blur to me.

It reminded me of a financial adviser that puts your money into a multitude of funds or stocks to justify their fees...
by Raymond
Sat Dec 09, 2023 10:22 am
Forum: Personal Consumer Issues
Topic: [Exercises for physical balance]
Replies: 43
Views: 5835

Re: [Exercises for physical balance]

Here's an article titled "Simple Exercises to Restore Proprioception" (part 2 of a 5-part series on proprioception):

https://www.sports-health.com/sports-in ... ioception
by Raymond
Sat Dec 02, 2023 9:47 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE Debating quitting with no new job lined up - possible FIRE?
Replies: 72
Views: 12475

Re: UPDATE Debating quitting with no new job lined up - possible FIRE?

Congratulations on the new job! And take your "former" former colleague (now new colleague again) out to dinner.
As for the leadership at your previous job being "disappointed", meh, you can play the world's smallest violin for them.
I wouldn't be surprised if some of your former co-workers contact you to see if there are any openings...
by Raymond
Thu Oct 26, 2023 4:11 pm
Forum: Personal Consumer Issues
Topic: Bees in the basement
Replies: 12
Views: 1651

Re: Bees in the basement

fsrph wrote: Thu Oct 26, 2023 3:47 pm
Valdeselad wrote: Thu Oct 26, 2023 3:03 pm What kind of bees?
I'm no expert but look like Yellow Jackets.
Pictures please?

Yellowjackets are a type of wasp.

Bees are, well, bees.
by Raymond
Fri Oct 20, 2023 11:22 pm
Forum: Personal Consumer Issues
Topic: Denton, Texas Inquiry [about best housing options and livability]
Replies: 21
Views: 2777

Re: Denton, Texas Inquiry [about best housing options and livability]

<<<<it´s quite possible to live there but... Texas in general is not everyone´s cup of tea>>> Quite possible to live there? Really? It's not Mars. There is oxygen...about 21%. Water, food, shelter, self-actualization. 30 million people and growing call Texas home. Must be doing something right.... I think the "quite possible to live there but..." comment was referring to Prosper and Frisco being too far from Denton, not living in Texas in general - but yes, I thought it was not very clearly stated either. OP, I live in a northern DFW suburb. US Highway 380 is the main east-west route though Denton, and while Prosper and Frisco are some 25 miles to the east of Denton, the entire area along 380 between Denton and Prosper/Frisco has...
by Raymond
Thu Sep 21, 2023 11:20 am
Forum: Personal Investments
Topic: Help me quell my brother-in-law’s nerves
Replies: 45
Views: 3787

Re: Help me quell my brother-in-law’s nerves

HomeStretch wrote: Thu Sep 21, 2023 11:15 am You gave your BIL a good suggestion (Ally). Marcus is fine too. Consider leaving it at that. No sense trying to manage your BIL’s fears.
Especially since if you make any further recommendations than those, and he takes your advice, you will be blamed if anything goes wrong (regardless of cause.)
by Raymond
Fri Aug 18, 2023 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: lending out to an individual
Replies: 40
Views: 2819

Re: lending out to an individual

As asked above, who is/are the co-owner(s) of the house?

And was this your idea or his?
by Raymond
Tue Aug 15, 2023 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice for CA hoarder intestate estate
Replies: 28
Views: 2997

Re: Seeking advice for CA hoarder intestate estate

About the real estate - the values would likely decrease because of the condition of the primary residence (plumbing issues, asbestos remediation, etc.) And the house up in the mountains - is it rented out, or has no one lived in it for decades? Who knows what kind of condition that's in? They might both end up being teardowns, and the value would be in the land only. As already mentioned above, while I understand that your husband is stressed about this, there really isn't anything to stress about since there's nothing he or his brothers can do about it while she's alive and uncooperative, unless they just want to add more drama to their lives by having her declared incompetent. And if it turns out the estate has a low value (however he wo...
by Raymond
Wed Jul 19, 2023 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Stipulate inheritance will be an annuity?
Replies: 21
Views: 1760

Re: Stipulate inheritance will be an annuity?

Is OP wanting to convert the $200,000 the stepdaughter inherited from her father into an annuity, or is OP planning for any money the stepdaughter may inherit from the OP?
by Raymond
Fri Jun 30, 2023 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance and Will Question from new dad
Replies: 64
Views: 4832

Re: Life insurance and Will Question from new dad

OP, have you and your wife chosen (and discussed with those people) the guardians for your children, in case of the hypothetical bus taking both you and your wife out?

I'm assuming here that when you wrote "(21 and 6 months)" you meant a 21 month-old child and a 6 month-old child, not a 21 year-old and a 6 month-old.

My wife and I chose my sister and her husband twenty-six years ago, and they agreed. We recently revised our trust, and now our older child (26 years old) will be the guardian of our 17-year-old if my wife and I get run over by that reckless bus driver...
by Raymond
Wed Jun 21, 2023 3:33 pm
Forum: Personal Consumer Issues
Topic: Defense against the dark arts - Pickpockets!
Replies: 123
Views: 12924

Re: Defense against the dark arts - Pickpockets!

Amazon search: “ travelon anti theft” I’m using a crossbody bag, wearing it in the front, and feel secure in transit stations. The locking system is great. Thanks for the recommendation! My wife and I each bought one of their crossbody bags with locking zippers. Nothing in our pants pockets. Came in handy about thirty minutes ago aboard a Paris Metro train - three teenaged girls followed us on one of the train cars (after switching cars when my wife and I changed our minds because the first one was too crowded.) One girl tried to distract us by asking if this was the train to Disneyland Paris :D while the two other girls tried to tug on the bag zippers to no avail. My wife and I pushed by them, and they decided to get off at the next stop....
by Raymond
Fri Apr 14, 2023 1:20 pm
Forum: Personal Consumer Issues
Topic: 5-day London Trip Itinerary
Replies: 41
Views: 3228

Re: 5-day London Trip Itinerary

My family and I were in London for two weeks in June 2022.

We stayed in the Vauxhall area at Staybridge Suites London - Vauxhall, and would stay there again.

Public transport is great - the Tube, buses, the River Bus. No need to rent a car.

Some places not yet mentioned:

The Wallace Collection

HMS Belfast
by Raymond
Thu Mar 02, 2023 2:07 pm
Forum: Investing - Theory, News & General
Topic: The Indexing Bomb
Replies: 98
Views: 15861

Re: The Indexing Bomb

Jared Dillian is one of the industry’s most original, entertaining, contrarian voices. He is a master of market psychology and has been called “the Dr. House of trading,” with a staunch following ranging from casual investors to professional traders and hedge fund managers. From 2001 to 2008, Jared worked at Lehman Brothers—first as an index arbitrage trader and then as head of the ETF trading desk. During this time, he routinely traded over $1 billion a day in volume. He left Lehman Brothers to start a market newsletter for investment professionals. You see, he "left" his wildly successful brokerage in 2008 in order to educate the masses on how to accomplish the great things he accomplished at his aforementioned wildly successfu...
by Raymond
Tue Feb 07, 2023 12:40 am
Forum: Personal Investments
Topic: New investor - so many basic questions
Replies: 20
Views: 2201

Re: New investor - so many basic questions

Welcome to Bogleheads.

You're doing great at age 26. At that age (30+ years ago), I had just come to the realization that my entire disposable income need not be spent on beer and eating out, so you are well ahead of the game.

You might consider reading "If You Can" (.pdf download) by William Bernstein for additional pointers, particularly hurdle #5 (dealing with "hardened criminals").

Also consider posting a request for a portfolio review, using the standardized template on this page: "Asking Portfolio Questions"
by Raymond
Fri Feb 03, 2023 1:15 pm
Forum: Personal Consumer Issues
Topic: First timer - London in June?
Replies: 66
Views: 5725

Re: First timer - London in June?

You might be interested in the Ceremony of the Keys at the Tower of London.

Tickets for a particular month are released on the first business day of the previous month, so if you're going in June, start booking at the beginning of May, they go very fast.

The Wallace Collection has an excellent arms and armour collection, if you're into that. As a side note, the Arms and Armour curator (Dr. Toby Capwell) is originally from Petaluma, California, is an active jouster, and was one of the two mounted men-at-arms that escorted the coffin of Richard III to Leicester Cathedral in 2015.
by Raymond
Tue Jan 24, 2023 9:35 am
Forum: US Chapters
Topic: 🎊Happy 99th Birthday to Taylor Larimore🎉
Replies: 247
Views: 15706

Re: 🎊Happy 99th Birthday to Taylor Larimore🎉

Happy Birthday!
by Raymond
Fri Jan 13, 2023 1:32 pm
Forum: Personal Consumer Issues
Topic: Road trip to Montreal- Advice needed
Replies: 38
Views: 4155

Re: Road trip to Montreal- Advice needed

i meant an additional sink outside the bathroom. and re the fridge, i've been burned on that twice in various cities recently where there was really no fridge. I have stayed in the Loft Montreal in St Denis a couple times - they have rooms with kitchenettes (fridge sink dishwasher stove), intended for extended stays - it will be difficult to find a room in any hotel anywhere that just has a second sink and a larger fridge, but not a whole kitchenette. The rooms really are well-priced for what you get space-wise. Some of the rooms are actually pretty large and nice, and they also have indoor parking in a secure garage (my last stay was pre-pandemic). Apparently Loft Montreal is under new management, and recent reviews on TripAdvisor are not...
by Raymond
Mon Jan 09, 2023 6:36 pm
Forum: Personal Consumer Issues
Topic: Contractor stating floor needs to be leveled for tile
Replies: 45
Views: 4502

Re: Contractor stating floor needs to be leveled for tile

Agent 99 wrote: Mon Jan 09, 2023 4:45 pm This situation upsets me because the contractor didn’t assess the floor prior to giving you a quote. Now there is no choice but to pay the surcharge to do it correctly. Did the contractor inspect the floor during the walkthrough?
Perhaps it couldn't be seen until the overlying carpet was removed, as OP mentioned.
by Raymond
Mon Jan 09, 2023 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Outrageous bill for physical therapy
Replies: 89
Views: 7129

Re: Outrageous bill for physical therapy

UPDATE: Actual bill is $205 after insurance adjustment. This is my HDHP deductible. Had I paid cash upfront, it would have cost $110 but now that insurance has been billed that option is off the table. Lesson learned! Thanks for all the comments. Perhaps “outrageous” seems like a bit of an outrageous adjective now :happy Back story … I developed sciatic nerve pain (severe!) after doing something stupid at the gym. My old physical therapist, who’s awesome, said she could fit me in for an appointment. I didn’t see my GP first because I knew the problem, and knew my PT could help. Her assistant explained that insurance might not cover the appointment but I told her I could pay in cash if not, and I thought: How much could one 45-minute appoin...
by Raymond
Mon Jan 09, 2023 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Outrageous bill for physical therapy
Replies: 89
Views: 7129

Re: Outrageous bill for physical therapy

OP,

1. Was the appointment after January 1st? If so, annual deductibles typically reset on 1/1, and your PT may have fallen into that amount.

2. Related to #1, when you said insurance denied the claim, was it completely denied, or did the amount fall into the deductible and was therefore entirely your responsibility?

2. Before your most recent appointment, when was the last time you were in that facility? If it's been over three years, you can be considered a "new" patient, as a more comprehensive (and expensive) workup is required.
by Raymond
Sun Jan 08, 2023 6:08 pm
Forum: Investing - Theory, News & General
Topic: 2023 Hedge Fund contest
Replies: 199
Views: 27249

Re: 2023 Hedge Fund contest

Baby Needs A New Pair Of Shoes, LLC

Short: TSLA
by Raymond
Thu Dec 08, 2022 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Buy 2006 BMW 325i for $22,500
Replies: 72
Views: 5201

Re: Buy 2006 BMW 325i for $22,500

Agent 99 wrote: Thu Dec 08, 2022 10:46 am ...Will decline and say until price comes down I’m not interested.
In your situation, I wouldn't be interested at any price, for the reasons already given above.

Even if they gave it to me for free (and I planned to flip it to CarMax), I still wouldn't take it, since I would have to pay to have it shipped to my location.
by Raymond
Sat Dec 03, 2022 2:09 pm
Forum: Investing - Theory, News & General
Topic: Location of LMP [Liability Matching Portfolio] ...Roth? Why?
Replies: 9
Views: 983

Re: Location of LMP [Liability Matching Portfolio] ...Roth? Why?

SnowBog, thanks for the excellent explanation :sharebeer

Back to the OP's question.
by Raymond
Sat Dec 03, 2022 1:35 pm
Forum: Investing - Theory, News & General
Topic: Location of LMP [Liability Matching Portfolio] ...Roth? Why?
Replies: 9
Views: 983

Re: Location of LMP...Roth? Why?

What is an "LMP"?

Edit: Never mind, I figured it out: "Liability Matching Portfolio."
by Raymond
Fri Nov 25, 2022 12:19 pm
Forum: Investing - Theory, News & General
Topic: UTMA coming due for estranged child
Replies: 60
Views: 7701

Re: UTMA coming due for estranged child

OP, how old is the estranged child?
by Raymond
Tue Nov 01, 2022 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Colorado Springs vs. Vancouver (WA)
Replies: 67
Views: 7086

Re: Colorado Springs vs. Vancouver (WA)

OP, unless where you live now is just unbearable, have you considered staying there and just traveling more?
by Raymond
Sat Oct 29, 2022 9:44 pm
Forum: Personal Investments
Topic: What are Bogleheads' opinion on CPWAs compared to CFP/CFA?
Replies: 10
Views: 1320

Re: What are Bogleheads' opinion on CPWAs compared to CFP/CFA?

How is the family member who wants to use the CPWA connected to them? Existing client? College friend? Neighbor? Golfing buddy? They work as financial advisors for the same bank. Family member is retiring. Wondering if there is some arrangement between them if he takes over account - commission, etc.? Not sure how to ask the question without starting WWIII :confused The plot thickens... So what is the relationship of the family member who is retiring from the bank to your mother? If the relationship is anything other than her child (your sibling) or her husband, I would say that they don't have any standing whatsoever, and they can go pound sand. If s/he isn't either of the above, and gets huffy about this to the point of "starting WW...
by Raymond
Sat Oct 29, 2022 6:17 am
Forum: Personal Investments
Topic: What are Bogleheads' opinion on CPWAs compared to CFP/CFA?
Replies: 10
Views: 1320

Re: What are Bogleheads' opinion on CPWAs compared to CFP/CFA?

How is the family member who wants to use the CPWA connected to them? Existing client? College friend? Neighbor? Golfing buddy?
by Raymond
Sun Oct 09, 2022 12:00 am
Forum: Personal Finance (Not Investing)
Topic: How can i help my mom pay off her mortgage?
Replies: 44
Views: 4459

Re: How can i help my mom pay off her mortgage?

Tangential to the mortgage issue, but I wouldn't necessarily 100% count on the potential inheritance of $250,000 from her 96-year old father "whose health is failing."

What if there are higher-than-expected health, residential or personal care expenses between now and then? What if he decides to blow it all gambling in Vegas?
by Raymond
Wed Sep 14, 2022 12:42 pm
Forum: Investing - Theory, News & General
Topic: Buy, Borrow, Die Approach
Replies: 64
Views: 13835

Re: Buy, Borrow, Die Approach

Raraculus wrote: Tue Sep 13, 2022 11:59 pm ...This scheme has the potential to downgrade your credit...
People who have jobs where credit ratings are checked before and during employment, such as in finance, military, law enforcement and sensitive government positions may want to avoid using this plan: "Jobs You Need Good Credit to Get" - self.inc
by Raymond
Sun Sep 11, 2022 12:11 pm
Forum: Personal Investments
Topic: I have 50k in cash- where to put it?
Replies: 14
Views: 2531

Re: I have 50k in cash- where to put it?

Any debt that can be paid off (credit cards, student loans, auto loans, etc.)?
by Raymond
Thu Sep 08, 2022 10:54 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 760
Views: 149449

Re: Good Modern Science Fiction

...I will give big credit to William Gibson for making a "microsoft" an object in his 1984 novel, treading dangerously on copyright infringement even in 1984. Also for using/inventing the term "the matrix" for the virtual world. I subtract a few points for having a character needing to use a modem to make a computer connection sometime far in the future, and other cases of needing disks to transfer data. Even the best are not perfect predictors, which adds to the fun in reading the older stuff. I believe in one of his later essays he stated he really blew a prediction by not foreseeing personal mobile devices - the AI attempts to talk to the protagonist by calling a row of pay phones in an airport hallway as he walks by...
by Raymond
Thu Sep 08, 2022 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Jointly owned summer cottage/small farm - what should we agree on in advance? [Property in Sweden]
Replies: 27
Views: 2345

Re: Jointly owned summer cottage/small farm - what should we agree on in advance?

MrBartleby wrote: Thu Sep 08, 2022 7:37 am ...I should have mentioned this, but the property is located in Sweden. I'm in the United States and thus the 12 hours of travel for me.,,
Could you update the thread title to reflect this?
by Raymond
Wed Sep 07, 2022 12:21 am
Forum: Personal Consumer Issues
Topic: April 2023 - Malta? or Azores? tell me more
Replies: 10
Views: 1792

Re: April 2023 - Malta? or Azores? tell me more

dianna wrote: Tue Sep 06, 2022 8:11 pm Hello, just back from the amazing Azores...
Now I want to go to the Azores :happy
by Raymond
Mon Sep 05, 2022 6:27 pm
Forum: Personal Consumer Issues
Topic: April 2023 - Malta? or Azores? tell me more
Replies: 10
Views: 1792

Re: April 2023 - Malta? or Azores? tell me more

No experience with the Azores, but my wife and I visited Malta for ten days in July 2017 and thoroughly enjoyed it. We flew from Dallas/Fort Worth to Frankfurt overnight on Lufthansa, had a three-hour layover, then flew (also on Lufthansa) to Malta. Highly recommend Lufthansa. You'll have more comfortable temperatures in April (highs in the high 60's F) than in July (highs in the high 80's F), but the temperature in July wasn't any worse than what we usually get in Texas :-) We stayed in a rental townhouse in Birgu, across the harbor from Valletta - the townhouse I believe was built in the 1700s, but with modern conveniences, including air conditioning in the bedroom. It was a two-story building with a fairly steep stone staircase, so if yo...
by Raymond
Mon Sep 05, 2022 11:58 am
Forum: Personal Finance (Not Investing)
Topic: WSJ article re Cautionary Tale for Donating Art/Property for Tax Deduction
Replies: 13
Views: 1329

Re: WSJ article re Cautionary Tale for Donating Art/Property for Tax Deduction

Thanks for the updated link.

Certainly the taxpayer (or her accountant or attorney) should have caught this before it became a problem, but don't museums and charities have people to make sure the proper documentation is provided?

I'll bet the museum in this case won't let this happen again...
by Raymond
Sat Aug 27, 2022 6:19 pm
Forum: Personal Consumer Issues
Topic: Verizon Sim Swap protection
Replies: 47
Views: 4224

Re: Verizon Sim Swap protection

Ani wrote: Sat Aug 27, 2022 5:15 pm
VeryBlessedCali wrote: Sat Aug 27, 2022 12:56 pm Samsung Galaxy phones (newer ones) have a Lock SIM card option. You set-up a PIN that locks the SIM card. Without the PIN, the SIM cannot be "ported".
Good to know.
Be very careful with this - there may be an existing factory default SIM lock PIN, and you have three tries to get it right.

If you don't get it right, the SIM locks up and the phone is unusable until you call your cellular provider (from another phone) to request an 8-digit personal unlock (PUK) code to get your phone working again.

Don't ask me how I just found this out :(