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BogleFanGal

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...

BogleFanGal

I have had the opposite experience. I used to drink wine a few times a week and haven’t had any alcohol at all since the beginning of March. Instead, I’m using the time that I would normally spend commuting to exercise each day. I’ve got an elliptical machines and exercise bike at home that I’ve be...

BogleFanGal

I have seen the fill line sneakily creeping up on my wine glass, despite my best willpower. It's still about a glass to 1.5 glasses tops a night - so I'm winning the battle so far. Unfortunately, as much as those bigger bordeaux glasses are beautiful and enjoyable to use...it's virtually impossible ...

BogleFanGal

Thanks....tempted to just take the suggestion to cash out the card...but the nagging worry is whether now the IRS has the wrong name on file and it's a much bigger issue I need to fix - or just an isolated one-time clerical screwup from the bank rushing to process and send out cards too quickly. I ...

BogleFanGal

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...

BogleFanGal

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...

BogleFanGal

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Shou...

BogleFanGal

Instead of monthly rates why don't you ask about yearly or multi year plans. I belong to LA Fitness for many years now. I signed up for a multi year plan where I paid three years upfront. My annual renewal is now much lower than most people that pay by the month, and it not recurring. I have to giv...

BogleFanGal

I bet they add a "COVID Fee", sort of like the "Energy Surcharge" they tried back when oil got expensive (hard to remember these days...) Yup. But I also think if they're smart, they'll do a "wait and see" before trying it. Unlike medical/dental visits or other essential services, travel popularity...

BogleFanGal

great thread and following along. As I read though, I start to wonder how this is going to shape those ridiculous resort fees - especially at lower to mid range properties like BW, etc. If the complimentary hot/cold food breakfast buffet is now downsized to a piece of sealed fruit and a granola bar...

BogleFanGal

great thread and following along. As I read though, I start to wonder how this is going to shape those ridiculous resort fees - especially at lower to mid range properties like BW, etc. If the complimentary hot/cold food breakfast buffet is now downsized to a piece of sealed fruit and a granola bar ...

BogleFanGal

anyone have any recommendations re: good VISA card to get? I have 2 MCs from the same bank and a Discover...this thread has me thinking I should ditch one MC and go for VISA from a diff bank entirely. It depends on what qualities you think makes a card good'er. Cash Back bonus? Other travel or rewa...

BogleFanGal

anyone have any recommendations re: good VISA card to get? I have 2 MCs from the same bank and a Discover...this thread has me thinking I should ditch one MC and go for VISA from a diff bank entirely.

BogleFanGal

From a physician perspective (Internal Med, practicing as a Hospitalist)... I think the most important aspect is how well you trust and get along with the doc. IE the first impression should go a long way. There are many fantastic physicians that went to smaller, less well known residencies. If you...

BogleFanGal

They are also spending more money on cleaning - paying janitors and/or having staff clean/disinfect more often, plus increased use of cleaning solution - all equals more overhead expense. Wait until you see the new prices for restaurants that can only seat 50% of capacity. Etc. Expenses go up, cost...

BogleFanGal

Exactly. I find it wild to learn that there are people that don't have at least weeks worth of food in their homes. While the good stuff would all be gone in a week or two, I'm confident my family could survive on the food currently in the house for 3 months. And we just moved back in after a renov...

BogleFanGal

This thread reminds me of Randy Pausch, the Carnegie Mellon professor who found out he didn’t have long to live. In his book The Last Lecture , which is full of wisdom and life’s lessons, he mentions that when he found out he had been charged the wrong amount at the store, he realized he didn’t nee...

BogleFanGal

I can't tell if this post is sarcastic or not. I'm thinking it might be prudent to put some single digit percentage of my income into shelf-stable food stock, water storage, vegetable seeds, wine, and other essential goods. Well, certainly wine, that's a given. I would focus your purchases there. T...

BogleFanGal

I think some of the confusion (especially for tiny fish like me who are independent contractors) is that bugaboo wording “necessary.” I will earn a mere fraction of my 2019 income this year, thanks to lost billable hours as a direct result of CoVid - and I'm the main breadwinner. But as a good BHer,...

BogleFanGal

An individual is most definitely not supposed to accept both PPP funds and PUA. This still confuses me. What if you lost all revenue for 2 weeks back in late March. Then got PPP funds in May? So for the 8 weeks starting in May, obviously PUA doesn't apply. But can you legally get PUA for those 2 we...

BogleFanGal

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? Seriously? I would never go one a cruise before, now? Not if it were free. I would say you ...

BogleFanGal

spending more on groceries - printed coupons, BOGOs and specials are largely gone - or out of stock. Forced to buy whatever's left - which is typically higher priced brand names at regular shelf prices. Plus buying a little extra every time we schedule an order, based upon what we can cram into our ...

BogleFanGal

Having a relationship with a smaller bank is what saved us, even though it was our secondary bank that we only used to park cash reserves because they have good rates. Needless to say, we're fully switching over to them since they busted their butts to get us our PPP loan, which was finally deposit...

BogleFanGal

My credit was locked at all credit agencies throughout the process. YMMV, of course. Wow...surprised to hear this. I thought you had to unlock experian as they check that file. Good for you. I hate keeping mine open but am doing so hoping I hear something on EIDL. Will definitely lock all files onc...

BogleFanGal

As I recall, in some CO localities, it is the homeowner who is responsible for maintaining the sidewalk. If this is the case, then you have an obligation to move it. In Denver, a slip and fall would be on you for not maintaining the sidewalk; this is opposite where I live now. Yup - in my HOA-owned...

BogleFanGal

it's utterly ridiculous and a travesty that companies who are still earning strong revenues or have even seen increases in business are applying and receiving this money. I know congress wanted to rush this out so people got money quickly, but it seems like the biggest no brainer even a child would ...

BogleFanGal

OP: I'm in the same boat and suspect we'll have another shot at this. While I don't claim to know squat, I just think it's more likely than not that the market drops again this year - we're not out of the woods yet by a long shot. For me, the upside of waiting a bit longer - thru end of Q2 or Q3 bea...

BogleFanGal

I can’t speak for other states but in mine (Illinois), one of the questions you have to answer when you certify for each week you were unemployed is “Did you refuse any work?” You really want to be able to answer No to that one. If you’re offered a few hours of work, take it. Also, while regular un...

BogleFanGal

I feel your pain...running into the same thing myself...one bank had my app for close to 2 weeks...still hasn't contacted me to ask for more documentation or verify they have what they need. When I emailed THEM, I was told I should have heard back by now, and to just assume the app was lost or rejec...

BogleFanGal

I tip 0. The service charge is more than enough. So glad they can tell what your tipping policy is right in the app. This way, each driver can freely decide if they still want to accept you as a customer and deliver your order tip-free. That's how it should work. To me, that service charge is the a...

BogleFanGal

As the other response mentioned, it depends on the state. It might be better to not come in for those two days. I’m in Florida. Wouldnt company look at in a negative way if I did not coming in for 2 days? Thanks FL is $275 + 600...and I believe they follow that same rule (anything you earn is subtr...

BogleFanGal

How much do you generally tip on DoorDash for food delivered? I tip Doordash (and all other food delivery services) $0.00. Their employer pays them. The delivery demand is far outpacing the supply nowadays, so the independent contractors doing the work can afford to be picky while your parsimonious...

BogleFanGal

others will chime in on the rest, but I believe that you can collect unemployment even if your hours are cut vs laid off completely... but any money you do earn is subtracted from the weekly unemployment. So if your state pays $350/week (plus the extra $600 from federal) anything you earn that week ...

BogleFanGal

i'm not so sure just opening a new account gets you their attention....several posts on here from folks with established accounts and track records of business were still at the back of the line, in favor of loans to bigger companies. But I guess it can't hurt...you can always close it next month if...

BogleFanGal

I'm impressed that so many of you received confirmation emails, requests for additional documents, and even SBA loan numbers. I have applied to 3 places in the past 9 days, including paypal and crickets is all I've heard. Paypal hasn't contacted me based upon my initial submission to ask me for any...

BogleFanGal

I'm impressed that so many of you received confirmation emails, requests for additional documents, and even SBA loan numbers. I have applied to 3 places in the past 9 days, including paypal and crickets is all I've heard. Paypal hasn't contacted me based upon my initial submission to ask me for any ...

BogleFanGal

The American employer-employee relationship is all about business. There are neither friends nor foes. It is all about interest. For the case of an at-will employment, either party, employer or employee, is free to terminate the employment. Take a severance if any or the best one if negotiable and ...

BogleFanGal

Has anyone else had to unfreeze their credit - and are you feeling a bit anxious about it? I had to do it for the EIDLE - via experian to file for the advance. I've been temporarily unfreezing just 1 week at a time ...but never heard anything back from SBA since filing almost 2 weeks ago - no confir...

BogleFanGal

Normchad wrote: ↑
Sat Apr 18, 2020 9:56 pm
Primenesia: When you order so much Amazon Prime that you don't remember what is in the box.

haha...i love this

BogleFanGal

I hope my wife keeps up the ceasing of clothes buying... We were already extremely frugal with our eating habits, but they've changed a bit with a focus on eating non-perishables. We were averaging ~$300/month for groceries for a family of 4, I spent $350 at the store almost exactly a month ago and...

BogleFanGal

Started shopping more at Walmart Neighborhood Market. Discovered Oak Leaf wine @ $2.50/bottle. It tastes just as good as Trader Joe's Charles Shaw (Two-Buck Chuck which is actually $2.99). I can't see any reason why we wouldn't keep buying it. White or red or does it matter? I prefer the red Two-Bu...

BogleFanGal

Me too... I have missed eating out so much, especially sitting out on a patio enjoying happy hour. My spouse sits out on the patio with her bottles of wine and has a Zoom wine-drinking session with her sisters and sister-in-laws and all their daughters. For some reason, none of the men in the famil...

BogleFanGal

one "good" thing that I'm hoping comes out of all this chaos is some elbow room between tables at urban restaurants. I love eating out but was getting frustrated with even the pricey restaurants pushing tables closer and closer together, so that I can't even feel comfortable having a private convers...

BogleFanGal

Seems like the way they're changing the rules daily, they could - IF they wanted to - tighten up loan forgiveness rules, so that anyone reporting profit in 2020 would have to pay the money back. But they won't - this was a big biz giveaway right from the start. Although it seems a few people on this...

BogleFanGal

yup...now seems like it was a total waste of time for most sole proprietors - I received the same notice about no funds left and get the sense my bank didn't even submit my app yet due to "overwhelming number of applications" - the 4/10 restriction pretty much made it impossible to get any of the fu...

BogleFanGal

ETA: hoping for recommendations based on actual experience, not just a link to SBA’s participating lenders. No personal experience, but I just read this article in Slate https://slate.com/business/2020/04/cares-act-small-businesses-paycheck-protection-program-coronavirus.html It includes this parag...

BogleFanGal

Amica providing 20% off auto premiums in Apr and May. Saw that. Going to be a whopping $20 or so per car. Not complaining though, they don't have to do this and they have always treated us well..... exactly. To me, it's not the amount, but that they at least voluntarily did something...$20 is a nig...

BogleFanGal

thanks for posting any info...following along. For those like me who don't already have a business account at a bank or CR that's a qualified lender, kinda stuck. No one around here is accepting apps from anyone not already a business customer...not even a bank where I've had a personal account for ...

BogleFanGal

crickets from my insurer - checked and they said "no changes"

BogleFanGal

Any downsides to applying for PPP? Any caveats to applying forEIDL (just the 10K grant) in addition to PPP? except that the 10k will be deducted from the forgiven portion of PPP for a single person s corp I think the guidance now is that the grant will be $1000 per employee UP TO a max of $10K http...

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