Search found 522 matches

by BogleFanGal
Sun May 24, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4137

Re: Something Fishy Here??

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...
by BogleFanGal
Sun May 24, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 107
Views: 7382

Re: Personal spending out of control after Covid-19

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...
by BogleFanGal
Sat May 23, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 107
Views: 7382

Re: Personal spending out of control after Covid-19

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 ...
by BogleFanGal
Sat May 23, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4137

Re: Something Fishy Here??

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 ...
by BogleFanGal
Sat May 23, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4137

Re: Something Fishy Here??

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...
by BogleFanGal
Sat May 23, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4137

Re: Something Fishy Here??

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...
by BogleFanGal
Sat May 23, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4137

Re: Something Fishy Here??

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...
by BogleFanGal
Thu May 21, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3353

Re: Do you dislike recurring billing for gyms?

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...
by BogleFanGal
Mon May 18, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2921

Re: Choices of and precautions at hotels in this summer

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...
by BogleFanGal
Mon May 18, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2921

Re: Choices of and precautions at hotels in this summer

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...
by BogleFanGal
Mon May 18, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2921

Re: Choices of and precautions at hotels in this summer

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 ...
by BogleFanGal
Sun May 17, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3403

Re: Must carry more than one credit card

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...
by BogleFanGal
Sun May 17, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3403

Re: Must carry more than one credit card

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.
by BogleFanGal
Wed May 13, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2055

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

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...
by BogleFanGal
Wed May 13, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10744

Re: Dentist charges $10 for PPE

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...
by BogleFanGal
Sat May 09, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8257

Re: Percentage of savings to "prepping"?

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...
by BogleFanGal
Sat May 09, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4586

Re: Choosing not to correct all billing/financial errors

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...
by BogleFanGal
Sat May 09, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8257

Re: Percentage of savings to "prepping"?

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...
by BogleFanGal
Thu May 07, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: PPP Loan Withdrawal Deadline Extended--Self-Employed
Replies: 6
Views: 365

Re: PPP Loan Withdrawal Deadline Extended--Self-Employed

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,...
by BogleFanGal
Sat May 02, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 615
Views: 31889

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

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...
by BogleFanGal
Sun Apr 26, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6970

Re: Go or no go on Carnival cruise

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 ...
by BogleFanGal
Sun Apr 26, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3319

Re: Have you tracked spending during quarantine?

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 ...
by BogleFanGal
Fri Apr 24, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1908

Re: Chase PPP Failure--Part Deux

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...
by BogleFanGal
Fri Apr 24, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 615
Views: 31889

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

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...
by BogleFanGal
Thu Apr 23, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Sidewalk situation
Replies: 33
Views: 2181

Re: Sidewalk situation

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...
by BogleFanGal
Thu Apr 23, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1908

Re: Chase PPP Failure--Part Deux

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 ...
by BogleFanGal
Thu Apr 23, 2020 9:14 am
Forum: Personal Investments
Topic: still worthwhile to do tax loss harvesting?
Replies: 10
Views: 704

Re: still worthwhile to do tax loss harvesting?

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...
by BogleFanGal
Thu Apr 23, 2020 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Work Hours Reduced and then Furloughed
Replies: 37
Views: 5425

Re: Work Hours Reduced and then Furloughed

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...
by BogleFanGal
Wed Apr 22, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1908

Re: Chase PPP Failure--Part Deux

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...
by BogleFanGal
Wed Apr 22, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

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...
by BogleFanGal
Wed Apr 22, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Work Hours Reduced and then Furloughed
Replies: 37
Views: 5425

Re: Work Hours Reduced and then Furloughed

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...
by BogleFanGal
Wed Apr 22, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

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...
by BogleFanGal
Wed Apr 22, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Work Hours Reduced and then Furloughed
Replies: 37
Views: 5425

Re: Work Hours Reduced and then Furloughed

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 ...
by BogleFanGal
Wed Apr 22, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: PPP: Kabbage, local bank success stories?
Replies: 6
Views: 561

Re: PPP: Kabbage, local bank success stories?

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...
by BogleFanGal
Tue Apr 21, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 615
Views: 31889

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

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...
by BogleFanGal
Tue Apr 21, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 615
Views: 31889

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

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 ...
by BogleFanGal
Mon Apr 20, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10155

Re: Laid off!!

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 ...
by BogleFanGal
Sun Apr 19, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 615
Views: 31889

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

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...
by BogleFanGal
Sun Apr 19, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

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
by BogleFanGal
Sun Apr 19, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

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...
by BogleFanGal
Sun Apr 19, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

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...
by BogleFanGal
Sat Apr 18, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

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...
by BogleFanGal
Sat Apr 18, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

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...
by BogleFanGal
Thu Apr 16, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

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...
by BogleFanGal
Thu Apr 16, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

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...
by BogleFanGal
Sat Apr 11, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Banks that allow PPP Loans without Existing Customer Relationship?
Replies: 8
Views: 367

Re: Banks that allow PPP Loans without Existing Customer Relationship?

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...
by BogleFanGal
Fri Apr 10, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6519

Re: [Auto insurance companies issuing refunds due to coronavirus]

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...
by BogleFanGal
Fri Apr 10, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Sole proprieter PPP loan
Replies: 27
Views: 1916

Re: Sole proprieter PPP loan

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 ...
by BogleFanGal
Thu Apr 09, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6519

Re: [Auto insurance companies issuing refunds due to coronavirus]

crickets from my insurer - checked and they said "no changes" :annoyed
by BogleFanGal
Thu Apr 09, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: PPP for Self Employed - Is This Right? [Paycheck Protection Program]
Replies: 50
Views: 3280

Re: PPP for Self Employed - Is This Right? [Paycheck Protection Program]

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...