Search found 18 matches

by Clark Kent
Wed Feb 27, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: How long should a bodily injury claim take to settle?
Replies: 62
Views: 3593

Re: How long should a bodily injury claim take to settle?

Would you mind posting links to the specific resources you used to successfully navigate this process on your own? In particular, I'm interested in the specific sites that allowed you to accurately determine "how much similar claims with similar fact patterns pay" and identify that your s...
by Clark Kent
Tue Feb 26, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How long should a bodily injury claim take to settle?
Replies: 62
Views: 3593

Re: How long should a bodily injury claim take to settle?

What metric did you use to determine that your negotiations were "successful", and how do you know you "came out way ahead" versus using a lawyer? So you are suggesting the average joe should become well-versed in state-specific case law? Familiar enough that they can "imme...
by Clark Kent
Tue Feb 26, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How long should a bodily injury claim take to settle?
Replies: 62
Views: 3593

Re: How long should a bodily injury claim take to settle?

My wife and I have been involved in 3 rear-end accidents where we were not at fault and I successfully negotiated the settlement for injury and pain & suffering without a lawyer. Also had a successful diminished value claim for the first accident (all accidents were with the same car so I didn't...
by Clark Kent
Wed Jan 16, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: 401k Rollover Help
Replies: 1
Views: 227

Re: 401k Rollover Help

Does anyone have any information about this?

Thanks so much!
by Clark Kent
Wed Jan 16, 2019 10:24 am
Forum: Personal Investments
Topic: Overcontributed to 401k, now what?
Replies: 8
Views: 1209

Re: Overcontributed to 401k, now what?

Based on what you are saying, I think that Vanguard is correct and you are not over the limit. I just had a similar call with Vanguard regarding their website showing an amount different than my expectation. 2018 was my first year with this job and with having Vanguard as my 401k provider. My last p...
by Clark Kent
Tue Jan 15, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: 401k Rollover Help
Replies: 1
Views: 227

401k Rollover Help

I am trying to get a rollover started for my wife's 401k plan and I am running into a problem. We are being told that even though she is 100% vested in her employer match, she is restricted from rolling over those funds for 5 years (or turning 65, which is 20+ years away so doesn't help). There is a...
by Clark Kent
Fri Nov 16, 2018 11:43 am
Forum: Personal Investments
Topic: Is this rollover restriction correct/allowed?
Replies: 3
Views: 261

Re: Is this rollover restriction correct/allowed?

I would think the employer can put any conditions it wishes on the money the employer has seperately contributed to the employee's account. The money would not be the employee's until all the conditions the employer has imposed have been met. Employers can do a lot of things to encourage employees ...
by Clark Kent
Fri Nov 16, 2018 10:28 am
Forum: Personal Investments
Topic: Is this rollover restriction correct/allowed?
Replies: 3
Views: 261

Is this rollover restriction correct/allowed?

My wife is likely to be leaving her current job for a new company just after the new year. She will be restricted from their 401k for full year of service, so my plan was to rollover her current 401k to Vanguard. Her current 401k is through Wells Fargo and the offerings, fees, and interface are less...
by Clark Kent
Tue Jan 16, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 6685

Re: Car accident - was directed to sign release

I have a friend who is an insurance adjuster; You will not get diminished value. The only time they ever even think about paying this is if you have a high end car. 100K+ Pain and suffering - Ask for 2-3X of the total medical costs and negotiate from there. Medical Bills - They pay them all in full...
by Clark Kent
Sun Dec 17, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 16175

Re: Best 401k Employer Match Structure

My tech company has the following:

50% on first 6% during the first 2 years
75% on first 6% for years 2-5
100% on first 6% for years 5+

Fully vested from day one. Very inexpensive boglehead friendly funds/trusts that make Vanguard admiral shares look expensive.
by Clark Kent
Sat Jul 15, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 4465

Re: Apple iMac problem?

It took awhile but I finally found the activity monitor, I was going to post a screen shot but I don't see how to do that. This is what I see on the activity monitor. Physical memory 8.00 GB Memory used 3 GB Cached files 3 GB The memory pressure is a full green bar. The biggest numbers I see in the...
by Clark Kent
Sun Jun 18, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 2702

Re: New Box Spring?

It's not uncommon for the warranty to be void if you do not get the box spring. The last 2 mattresses I bought ($800 queen & $2000 king) there was only about $100-150 cost for the box spring on the invoice.
by Clark Kent
Wed Apr 19, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: iPhone Screen Replacement
Replies: 12
Views: 1178

Re: iPhone Screen Replacement

It's only $129 at Apple and a genuine part that gets fully calibrated. Seems like a silly reason to save around $20 just to end up with a cheap knock off screen that will likely have an ugly blue tint and a higher rate of failure. Apple no longer has any restriction on servicing phones that have non...
by Clark Kent
Tue Apr 04, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 6894

Re: Where to buy new iPhone

Apple store. It's unlocked and if there's any type of recall or improvements they'll fix it (think iPhone 6s battery). If you get it from a carrier they won't. The warranty is not at all dependent on where you purchase your iPhone and any replacement program will be valid as well. The only issue is...
by Clark Kent
Tue Apr 04, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 6894

Re: Where to buy new iPhone

Apple store. It's unlocked and if there's any type of recall or improvements they'll fix it (think iPhone 6s battery). If you get it from a carrier they won't. The warranty is not at all dependent on where you purchase your iPhone and any replacement program will be valid as well. The only issue is...
by Clark Kent
Mon Apr 03, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: iPhone 6S battery issues
Replies: 14
Views: 1507

Re: iPhone 6S battery issues

If you have AppleCare and your phone is less than 2 years old (which it is if it's a 6s), they will replace your phone for free even if you have less than 80% battery capacity, regardless of whether your phone was included in the recall. They will replace the battery for free in this situation, not...
by Clark Kent
Thu Mar 30, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Two iPhones, one iCloud account, ring just one phone
Replies: 10
Views: 8166

Re: Two iPhones, one iCloud account, ring just one phone

You will find the setting to disable that feature in the FaceTime settings. I would suggest not using the Apple ID for FaceTime or Messages on either device (just use the phone number) and use the shared Apple ID for iCloud and iTunes/App Store only. Have you considered Family Sharing as an alternat...
by Clark Kent
Sun Mar 12, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 4166

Re: Impact driver (and possibly drill) recommendations

I have an 18v Makita brushless drill/impact driver combo that is fantastic. I put it on the same level as the Milwaukee sets. These types of combos are on the clearance racks at Home Depot every other month for $150-175 so if it's not an immediate need, keep an eye out and you can score a fantastic ...