Search found 640 matches

by Loik098
Tue Oct 16, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Attempted fraud against my frozen credit - Need I do more?
Replies: 9
Views: 1693

Re: Attempted fraud against my frozen credit - Need I do more?

Watty wrote:
Tue Oct 16, 2018 9:15 am
What is odd about this is that they sent this to your home address and at some other address was not used.

I would be concerned about if the fraudster was planning on stealing the new credit card from your mailbox.
OP, who's the letter addressed to? Perhaps Synchrony just screwed up?
by Loik098
Fri Oct 12, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7246

Re: Just Divorced -- Need Help

https://www.nytimes.com/2014/12/02/upshot/the-divorce-surge-is-over-but-the-myth-lives-on.html Divorce rates peaked in the 1980s and have been falling ever since. "Of college-educated people who married in the early 2000s, only about 11 percent divorced by their seventh anniversary, the last year f...
by Loik098
Wed Oct 10, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Copy/paste from sister's Living Trust?
Replies: 18
Views: 1590

Re: Copy/paste from sister's Living Trust?

Sounds like you owe your “attorney friend” some business. The business came from OP's sister, so I think OP owes his sister a nice meal out :happy OP, proceed. Many, many folks DIY this sort of thing, and if you are comfortable in your knowledge of state laws as well as your ability to properly edi...
by Loik098
Thu Oct 04, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5555

Re: Landlord wants to raise rent, but is asking if he can?

Last year he increased rent +2.5% due to utilities going up. Same thing this year, asking to raise rent +2.5% this year, but asking if he can. He says if we don't want to, we don't have to because he likes us. But he says utilities are going up again this year. I mean how much can utilities go up? ...
by Loik098
Mon Oct 01, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10912

Re: Anyone want to share their monthly budget? Here's ours

Our monthly budget totals about $16,500. Because the margin for error for us is slim, we keep a detailed sheet for expenses that is updated using Mint. Monthly totals are then transferred to the next year, with a small extra buffer amount granted to each non-fixed expense. All purchases that can be ...
by Loik098
Sun Sep 30, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: When the $2000 deductible bites you in the rear end!
Replies: 30
Views: 4187

Re: When the $2000 deductible bites you in the rear end!

OP, I'm sorry to hear this happened to you. I encounter this exact scenario every day on my way to work. Traffic backs up on the two-lane road I travel on at a particular stop light. There is a third, legal but long turn lane on the far right that people drive all of the way down to in order to turn...
by Loik098
Sat Sep 29, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2720

Re: 0% loan to family member

I do have to say, if he was my brother I would confront him (just the two of you) and let him know that he's taking advantage of your parents and that it's not ok with you (if it's not). Better for me to get it off my chest than let this fester for the next 25 years. If it costs you a relationship ...
by Loik098
Thu Sep 27, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3956

Re: First-time victim of credit card fraud

Almost every credit card issuer gives you an option to lock and unlock your account. Locking prevents any new purchases/charges from happening. For cards you rarely use (but still want to keep open), perhaps you should look into these options. Some of the options are better than others, depending on...
by Loik098
Thu Sep 27, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC to Pay off Mortgage
Replies: 36
Views: 3337

Re: HELOC to Pay off Mortgage

All that matters is the difference in loan rates. Nothing else. Highly likely the HELOC is a higher rate so this makes zero sense... Exactly. It's odd to me that OP is highly compensated, so I assume smart and good at his/her job, but can't see through this? Personally, I set the standard for "God ...
by Loik098
Tue Sep 25, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11646

Re: Minimalist Lifestyle

Einstein sort of summed it up "Everything should be made as simple as possible, but not simpler." What you have to figure out is where that simple line is for you. Minimalism isn't really a goal in life. It is a tool that might help you achieve you goals. Depending on what you want to do will direc...
by Loik098
Tue Sep 25, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11646

Re: Minimalist Lifestyle

3) As a Boglehead, I do a lot of work on my own vehicles and home. Am I to do so without tools? 4) As a Boglehead, we cook the vast majority of our family's meals at home. Am I to do so without cookware? I'm not sure any of these characteristics are 'Boglehead.' And yet, those two facets of one's f...
by Loik098
Mon Sep 24, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1917

Re: When is it OK to not go through car insurance after you've been hit?

Never . Not even with friends, or friends of friends. Just make "no" your standard policy and avoid the drama. As a BH, if you don't trust others (or trust just a few others) to handle your money/assets, why would you do so in an accident? 1) Have a clipboard ready in your car with the info you'll ...
by Loik098
Mon Sep 24, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11646

Re: Minimalist Lifestyle

Could you live out of a suitcase if you had to? Would you even want to? No, not by that definition of minimalism. I think the group that could do this are typically single, young, have an unusual job and/or have a blog or have written a book. Even the two guys in the Netflix documentary someone men...
by Loik098
Mon Sep 24, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Is "earn and burn" the right travel rewards strategy?
Replies: 24
Views: 2610

Re: Is "earn and burn" the right travel rewards strategy?

I agree with you: always thought most of the folks who really can "earn and burn" efficiently must be self-employed or unemployed. That's why building up stashes in multiple systems helps. (You didn't mention where your points are coming from): 1) Consider building up your points in the UR, MR, SPG,...
by Loik098
Thu Sep 20, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25473

Re: What is your single most expensive mistake?

I spent the first 2-3 years after graduation just paying the minimum on my 7.5% federal student loans in the IBR program. I thought I would just do this for the next 20 years until the balance got written off, because I didn't know any better. A somewhat lousy excuse was that the refinancing options...
by Loik098
Mon Sep 17, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2305

Re: how do/did you teach your kids finances/investing?

I don't understand your desire to "detach the monetary value", or avoid giving/teaching your daughter about real money. If she's asking you for things, she's ready to learn about the cost of those things. You wouldn't use "fake lessons" like poker chips in any other facet of her education, so why th...
by Loik098
Tue Aug 28, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 46
Views: 9708

Re: My new car buying experience.

Congratulations.

Your methods sound very similar to those described by denovo in this thread (https://bogleheads.org/forum/viewtopic.php?t=124638), one I consider to be the "wiki" for the process.
by Loik098
Sat Aug 25, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4310

Re: Shingrix

Keep in mind, although it is recommended that the second shot be given 2 to 6 months after the first, the CDC says that you needn't restart the series if you aren't able to get your second dose within that window. Rather, you are to get it "as soon as possible." https://cdc.gov/vaccines/vpd/shingles...
by Loik098
Tue Aug 21, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9673

Re: Landlord Nightmare

We have a FB page just to show pictures. But we had zero reviews/ comments before these two people posting some untrue reviews saying we harassed them (?!). Not a FB user, but if these comments are the only thing on your page, can't you just delete the current page and start over with another one (...
by Loik098
Sun Aug 19, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Health Check at 30. What Can I Do To Improve?
Replies: 23
Views: 2763

Re: Health Check at 30. What Can I Do To Improve?

I don't care about your eating out habits. Heck, if you were to start an exercise program + meal prep you'd easily end up spending $30 per day getting healthier. I disagree. I care about OP's eating out habits because he has recognized this is an area of spending he'd like to concentrate on. Saving...
by Loik098
Sun Aug 19, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1295

Re: Good/Cheap Glucose Monitoring System.

EDITED: Wondering about Reli-On -- it's a WalMart brand, but who is the actual manufacturer ? They seem to sell a lot of home medical devices Relion meters are made for Walmart by either Abbott or Arkray. You may find this article interesting: https://diabetestechnology.org/surveillance.shtml The F...
by Loik098
Sat Aug 11, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4698

Re: How to have “what if” discussion with retired parents?

My mom would like to have a better understanding of where they are financially, she has concerns at times that Dad’s investing might be riskier than what she’d like at this stage. She talks to me about this. I in turn talk to my Dad, but he says “everything is fine.” At a minimum, my Mom (and my si...
by Loik098
Sat Aug 11, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 1121

Re: 2018/19 Honda Odyssey - which trim level?

3 kids = leather seats. From experience. :D +1. And make them give you the all-season floor mats for free, or else you walk . We consider both essential for kids. We have the 2016 EX-L: 1. No NAV: phones are better, and this sort of tech gets outdated too quickly for cost to be worth it 2. No RES: ...
by Loik098
Fri Aug 10, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8168

Re: Should I tell my family/friend that they are making a financial mistake?

If you would feel comfortable talking with this other person and sharing advise about such personal things as: 1) how they should eat 2) to stop smoking or lose weight 3) how to raise their children 4) how to interact with their significant other 5) the cleanliness of their home then you are probabl...
by Loik098
Thu Aug 09, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7390

Re: When is leaving your job that pays well a good idea?

I’ve already done this for more than a decade and can’t imagine a lifetime spent for 40 working years plopped in front of computer monitors at a desk. You have that much equity and you plan to work for 30 more years? Why? I'm assuming you have a financial spreadsheet indicating your desired FIRE da...
by Loik098
Wed Aug 08, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Google Sheet Personal Finance Manager
Replies: 20
Views: 5390

Re: Google Sheet Personal Finance Manager

FIRE Calculator built in. I can perform sensitivity analysis based on different growth and dividend inputs, inflation rates, and important dates such as retirement, social security and pension start dates, and date of death. Thanks for all of you work on this sheet. Really appreciate it. Going to s...
by Loik098
Tue Aug 07, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Facebook asking banks for customer date "to offer more services" !?
Replies: 15
Views: 1074

Re: Facebook asking banks for customer date "to offer more services" !?

As long as they can't make withdrawals, I wouldn't care. Deposits would be welcome, however. You came across the article in WSJ. How many other articles about the sharing of your data have you missed? How much sharing happens without the public even knowing? At the end of the day, if this and other ...
by Loik098
Tue Aug 07, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3214

Re: Relaxing - quieting the mind

Figure out why things cause you stress to begin with, and eliminate the source or eliminate the mindset. Fix the source, rather than putting a band-aid on the problem.....which is what a lot of the "de-stressing" suggestions given here do. High levels of stress lead to poorer health outcomes. Doing ...
by Loik098
Tue Aug 07, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6518

Re: are mccormick gourmet spices better

For those recommending Penzey's spices, could you list your top 3-4 favorites from there?

I see Vietnamese cinnamon in a few comments; looking for more.
by Loik098
Mon Aug 06, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Ten days in Australia
Replies: 17
Views: 1493

Re: Ten days in Australia

Wife and I are planning to spend ten days in Australia in October. We'll be flying into Sydney to visit family. We'll be staying with them for a few days, but also want to see other places. This is like saying you're going to America, flying into L.A., and want to know what else to see in this coun...
by Loik098
Sat Aug 04, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5043

Re: best place to hide a key

Having read OP's follow-up post, it's clear that the key can't just be carried on his/her person. The latest few suggestions should have taken note of this. OP, since physical keys are going the way of the dinosaur and fobs are taking over, perhaps you could develop a creative way to hide the fob ne...
by Loik098
Sat Aug 04, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: "Safe" recommendations to store important documents?
Replies: 10
Views: 1164

Re: "Safe" recommendations to store important documents?

It sounds like most or all of the things the OP wants to keep safe are not accessed often, and don't need instant access. I just use a safe deposit box at my local bank. It is more secure, and as a good customer, they don't even charge me for it. +1. We have 3 layers: 1) Scan all "keep" documents, ...
by Loik098
Sat Aug 04, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5024

Re: Which diet soda pop do you enjoy?

On another random note: Mountain Dew tastes best out of an aluminum can. All sodas for me. For some reason the soda out of plastic bottles just isn't the same. Doesn't seem as cold either, even though I know the physics doesn't work. I agree for the exact same reason: it seems colder, or at least (...
by Loik098
Sat Aug 04, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5024

Re: Which diet soda pop do you enjoy?

Since we're on this subject, does anyone else love those machines they have in some fast casual restaurants where you select the soda from a menu instead of having a few predetermined slots? No, hate them. Unless you choose a strong drink like Root Beer from it, all of the diet stuff tastes mildly ...
by Loik098
Fri Aug 03, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 4082

Re: How to Start CC Churning

The 5/24 is for ANY card, so once you've gotten the chase bonuses, you won't be applying for a chase card ever again. Why not? If one can get under 5/24 again (totally possible for a "light" churner), several Chase bonuses may be worth repeating. Also, "any" isn't true. Many business credit cards d...
by Loik098
Tue Jul 31, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6264

Re: Consistently over budget on food - what are you guys eating?

Like I mentioned, I have a feeling after a few months, we will realize where the extra food costs are coming from. Shouldn't take you that long. Use Mint.com . Make sure all of your spending for food is put onto credit cards for a month, then use the website's features to categorize each purchase a...
by Loik098
Tue Jul 31, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 5273

Re: How to prepare for "the talk"

It's none of your business unless you want to pay off your school loan. ...until it becomes your business several years down the road, when parents such as OP's (who have demonstrated a lack of financial maturity) may have few options but to turn to their children for help. OP, I asked my parents o...
by Loik098
Tue Jul 24, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 1633

Re: Rotating Tires in Honda Odyssey

my owner's manual doesn't tell me how often to rotate my tires . It tells me to obey my Maintenance Minder. And I have no idea what that setting is. I could probably find it, but it's almost as if Honda doesn't want you to know, so you aren't tempted to work on your own car and instead pay big buck...
by Loik098
Mon Jul 23, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 1633

Re: Rotating Tires in Honda Odyssey

My Honda Odyssey has 10K miles in 2 years. That's not something you hear very often. I have the same vehicle. In contrast to the advice given above, my owner's manual doesn't tell me how often to rotate my tires. It tells me to obey my Maintenance Minder. And I have no idea what that setting is. I ...
by Loik098
Mon Jul 23, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6997

Re: Cell phone tip: block callers

I answer the calls, find out who is calling and sue for $3000 per call. Seems worth it to me... How much have you received In total well over 6 figures. Interesting. I believe that the max lawsuit allowed in small claims court per call is $500, or $1500 for intent. The trick is getting the telemark...
by Loik098
Sat Jul 21, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1775

Re: Suggestions About Simulating Homemade Chicken Stock

Trader Joe's Organic Chicken Stock.

Buying & using it would take less time than writing your post, which, by the way, belongs in a cooking forum.
by Loik098
Tue Jul 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 15
Views: 1406

Re: How do I find information on home security cameras that came with the house?

I recently got a new house. The builder pre-installed two security cameras on the exterior. Is this builder an independent operator, or part of a group? In my neighborhood, all of the homes were built by the same builder group. I can call that group and ask them questions about the build, such as f...
by Loik098
Mon Jul 16, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9608

Re: Bored

Make sure you do routine maintenance on your house and vehicles, including appliances, HVAC, etc. Know the ages of your big items, how long they are expected to last, and the most common reason they fail. Have a plan in place for whether you would fix/replace each appliance, for example. Study about...
by Loik098
Thu Jul 12, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3553

Re: Bounced check

Your credit is affected when your payment is more than 30 days late....not until then. The most a payee can do is charge you a fee if you're still within that 30 day window.
by Loik098
Thu Jul 12, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2974

Re: Someone is using my cellphone number

I hope this is not fraud. What can I do to protect myself? Any suggestions that you think maybe helpful? What sort of fraud are you worried about, or what would you need protection from? Aside from attempting a takeover of your mobile account, what more could they do with your phone number? I would...
by Loik098
Thu Jul 12, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 6023

Re: Is expensive olive oil worth it?

1) As a dressing? Maybe. Do some taste tests first before wasting your money. 2) To cook with? No. If you haven't noticed the taste of your oil until now, you won't notice it by changing, either. Contrary to the (recent) prevalence of TV chefs who do so, you should not be using EVOO to cook with, an...
by Loik098
Wed Jul 11, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6095

Re: Anyone take naps at work?

I'm not sure how asking what others do in their own work environments will help to directly answer whether you can/should nap at your own workplace. The way I see it, you have a few choices: outright ask your boss about his/her thoughts on the matter, fix the sleep issues at home, find a way to nap ...
by Loik098
Sat Jul 07, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 4078

Re: Whole Foods -- any drop in prices after Amazon takeover ?

If you have Prime, you should download the Whole Foods app on your phone so that you can view the deals at your local store before you go shopping. We mostly shop according to these "deals"....we don't usually use WF for anything other than milk, eggs, meat, and some produce, as it's too expensive. ...
by Loik098
Sat Jun 30, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 2193

Re: Private Label Blackrock Index Funds?

I have the same, and no concern. Be thankful you have access to such low-fee CIT funds. As for my 401k: choices include a Blackrock 1000, a Blackrock 2000, a Blackrock International, and a Blackrock bond fund. The highest ER for any of them is 0.04%. I do have other funds from Blackrock available, b...
by Loik098
Fri Jun 29, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 31
Views: 4604

Re: Anybody Investing with 'Betterment'?

Is the goal of moving the cash to get the miles? Or, were you going to make this move regardless? If the goal is miles: I'd just apply for a credit card directly with Citi (and get more miles than 30k that way, anyway). If I already had previous AA cards with Citi, I'd barter for a 9-digit mailer f...