Search found 178 matches

by blackcat allie
Sat May 16, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 895

Re: Roofing job -- what to know when paying final balance ?

Did you discuss with your roofing contractor a lien waiver from both the contractor and materials supplier upon final payment? Thanks . Do you mean lien waver from the main contractor or the sub-contractor crew? Do you even have a subcontractor? Generally, a homeowner on a construction or renovatio...
by blackcat allie
Sat May 16, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 895

Re: Roofing job -- what to know when paying final balance ?

galawdawg wrote:
Sat May 16, 2020 11:39 am
Did you discuss with your roofing contractor a lien waiver from both the contractor and materials supplier upon final payment?
Thanks . Do you mean lien waver from the main contractor or the sub-contractor crew?
by blackcat allie
Sat May 16, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 895

Re: Roofing job -- what to know when paying final balance ?

When I had my roof done a few years ago I paid with a credit card. I think they charged me a 3% fee. I get 2% cashback rewards. I looked at the 1% as a cheap "performance bond." If a problem developed within the first 60 days, I had the ability to enter a dispute with the credit card company. Ooooo...
by blackcat allie
Sat May 16, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 895

Re: Roofing job -- what to know when paying final balance ?

3 Look closely. No loose edges, ridge line is solid and done and straight, eave line and gable end lines are solid, tacked down well, straight, neat. Nothing missing or flapping in the wind.You can also ask the contractor to do a double/triple check. It looks like there's actual concavity i n part ...
by blackcat allie
Sat May 16, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 895

Roofing job -- what to know when paying final balance ?

Anything special to know or check/look for, before paying contractor final balance on roof work? As I write this, the shingles are being banged on above me. I already paid 1/3 pre-job. The only things I can think of, is roof "looking" done & having debris removed. Do they present final license/permi...
by blackcat allie
Mon May 04, 2020 9:11 am
Forum: Personal Investments
Topic: Stock from new employer -- don't know what I don't know
Replies: 6
Views: 394

Re: Stock from new employer -- don't know what I don't know

Congrats on your offer!! Can you negotiate the stock compensation? RSU vs. Stock Options vs Restricted Cash? I tend to prefer Restricted Stock Units because they have an effective strike price of 0 and they are taxed as regular income and when they vest, their value is #shares*market price and you ...
by blackcat allie
Mon May 04, 2020 8:49 am
Forum: Personal Investments
Topic: Stock from new employer -- don't know what I don't know
Replies: 6
Views: 394

Re: Stock from new employer -- don't know what I don't know

Is this in the form of stock options? RSUs (restricted stock units)? Employee stock purchase? Whenever I consider a new job, I keep in mind that these things are the first to be cut when business goes bad. Options can be under water (worthless) forever. RSUs are great IF there's no required holding...
by blackcat allie
Mon May 04, 2020 8:28 am
Forum: Personal Investments
Topic: Stock from new employer -- don't know what I don't know
Replies: 6
Views: 394

Stock from new employer -- don't know what I don't know

Hi, so knock on wood, I have a job offer in place with Long Term stock incentive. Is there anything you would recommend asking/requesting, before accepting job? Really appreciate any responses to this rather vague question -- tried to do a preliminary search of other posts here. It's very new to me,...
by blackcat allie
Thu Apr 30, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21598

Re: I Bonds are a screaming buy - Tipswatch

Is May 1st the change over for rates, on I Bonds?
(ps I have no idea if they're "screaming buy" but something is screaming to me, that I may have missed an opportunity line)
Thanks in advance
by blackcat allie
Sat Apr 11, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 615
Views: 32521

Re: What are you listening to now

Doom&Gloom wrote:
Tue Apr 07, 2020 11:01 pm
Nicolas wrote:
Tue Apr 07, 2020 10:55 pm
John Prine Essentials in Apple Music. R.I.P. John.
:beer

Saw him in November.

RIP John.
Amen, a songwriter's songwriter. Such a great spirit 💙✨🌈
https://youtu.be/OVhA01J0Zsg
by blackcat allie
Sun Mar 29, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17134

Re: What will you do first, once COVID pandemic is over?

Visit family on the other coast, if they don't quarantine me again (hopefully those fabled 15 minute tests from Abbott will be readily available).

Also hoping live music/concerts will return soon...
Maybe - dare to dream - even festivals like Pitchfork and Solid Sound.
by blackcat allie
Sun Mar 29, 2020 5:56 am
Forum: US Chapters
Topic: [Virtual online chapter - Master thread]
Replies: 127
Views: 34666

Re: [Virtual online chapter - Master thread]

Yes, please!
So 4/7 at 8 Eastern will be upcoming, sounds like..
by blackcat allie
Wed Mar 18, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Dentist/Dental hygienist? (in times of COVID)
Replies: 25
Views: 1505

Re: Dentist/Dental hygienist? (in times of COVID)

As a dentist myself I would recommend only going if you are in pain, are in a temporary crown/bridge or have decay that the dentist states will progress to root canal/will be hurting in next few weeks. We as dentists and hygienists were listed in the top 3 of occupations most susceptible to contrac...
by blackcat allie
Wed Mar 18, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Dentist/Dental hygienist? (in times of COVID)
Replies: 25
Views: 1505

Dentist/Dental hygienist? (in times of COVID)

Would you guys cancel an appointment to dentist office? It's a fairly small office, albeit with open plan. They are very good with disinfecting etc. (Personally I'm torn, part of me says go now, before it gets worse. I realize this is elective though, not in great pain). Thanks for input/ stay safe ...
by blackcat allie
Mon Mar 16, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128946

Re: Coronavirus (Consumer Issues) How you are preparing?

Looking to trade futures - toilet paper for hand sanitizer.
* PM me for details
(just kidding - sort of)
Good tidings to us all 💙
by blackcat allie
Thu Mar 12, 2020 1:51 pm
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 27542

Re: Where is Livesoft!?

Anyone more familiar with technicals of RBD? Missing livesoft, but if anyone else can weigh in on RBD status, thanks in advance... RBD Alerts is my attempt to automate the RBD Alert process. Hint, today is most definitely an RBD. pardon just seeing this now. In retrospect, though, wasn't Monday was...
by blackcat allie
Thu Mar 12, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631107

Re: U.S. stocks in free fall

Must. Delete. Yahoo Finance. (...and cancel all news notifications?)
by blackcat allie
Mon Mar 09, 2020 2:21 pm
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 27542

Re: Where is Livesoft!?

Anyone more familiar with technicals of RBD? Missing livesoft, but if anyone else can weigh in on RBD status, thanks in advance...
by blackcat allie
Thu Mar 05, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631107

Re: U.S. stocks in free fall

tooluser wrote:
Wed Mar 04, 2020 10:27 pm
There should be a general volatility thread too. "U.S. stocks twirling, twirling!" or some such title.
People could choose their own form of nausea inducement, much like an amusement park.
The adults could all gather at the beer tent for some relaxation.
💯
Do it! Great thread title 🎢🎡🎠 weeeeeee
by blackcat allie
Sat Jan 04, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Boatsetter for boat rental?
Replies: 3
Views: 566

Re: Boatsetter for boat rental?

Thanks for replies. I did end up using them over holiday, and was pleased with experience. (At the end, the docking was slightly harrowing, but my friend/I are not experienced boaters.) Process itself was seamless, with much better value than what established venues were charging.
by blackcat allie
Wed Jan 01, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Boatsetter for boat rental?
Replies: 3
Views: 566

Boatsetter for boat rental?

Has anyone used or rented through Boatsetter? They have a website and app.
Thanks for any input. I'm more inclined to go with a regular business, but my friend likes the rates with Boatsetter.
Happy New Year everyone
by blackcat allie
Sun Nov 24, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Which Kindle do I need?
Replies: 37
Views: 2084

Re: Which Kindle do I need?

I've read through post and quoted the Oasis cognescenti. In lieu of doing a separate post, may I ask: At about what price point would you say an Oasis would be worthwhile over a previous gen Paperwhite? I have had a long history of kindles and kindle readers, paperwhite, etc. I recently splurged on ...
by blackcat allie
Thu Oct 31, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 3257

Re: paying foreign medical bill - after the fact:( back from vacation

Thanks everyone, pardon I didn't get a chance to properly respond to the many good points and requests for clarification. I guess I just hate hate insurance reimbursement forms, dealing with two companies, and before any vague chance of reimbursement, coughing up my own 6k. (I'm not in ye olde "two ...
by blackcat allie
Thu Oct 31, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 3257

paying foreign medical bill - after the fact:( back from vacation

So please forgive if this post is somewhat disjointed and less than perfect style - the issue has me in quite the morass. I recently went to italy, and incurred an approximately $6000 medical bill. Yesterday I received a certified international letter with bill :shock: asking for payment within 30 d...
by blackcat allie
Mon Sep 09, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?
Replies: 24
Views: 2540

Re: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?

There is a bus between Miami and Key West for day trips etc, if MIL would like to add it to her bucket list. http://www.miamitokeywestbus.com/ I can't really speak from experience - perhaps Trip Advisor could give more specifics. Many other great local suggestions from other responses here. Edit - I...
by blackcat allie
Mon Sep 09, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Expedia OTA - problem w Travel awards points, web/phone glitch
Replies: 8
Views: 1098

Re: Expedia OTA - problem w Travel awards points, web/phone glitch

Happy Update --

After a few weeks, and review of screen captures, they did give me full refund!!

Yayayayay, Happy Travels fellow Bogleheads
by blackcat allie
Thu Aug 22, 2019 10:40 pm
Forum: Personal Investments
Topic: Is 401K possible from perdiem job ?
Replies: 19
Views: 1285

Re: Is 401K possible from perdiem job ?

Thank you all everyone for your informative & encouraging replies. Before asking, I wanted to know if I what I was asking for was at least possible by law or luck or common decency. Google and Magic 8 ball did not present clear answer. I did ask today - interviewer seemed doubtful but did refer me t...
by blackcat allie
Thu Aug 22, 2019 4:21 pm
Forum: Personal Investments
Topic: Is 401K possible from perdiem job ?
Replies: 19
Views: 1285

Re: Is 401K possible from perdiem job ?

mhalley wrote:
Thu Aug 22, 2019 4:18 pm
I would imagine it depends on if you are going to be a w2 or 1099 employee. Be sure not to go above the employee limit of 19k if they do allow participation.
W2 I think
by blackcat allie
Thu Aug 22, 2019 4:08 pm
Forum: Personal Investments
Topic: Is 401K possible from perdiem job ?
Replies: 19
Views: 1285

Is 401K possible from perdiem job ?

I'm interviewing today for position that is not full or even half time (10-19hrs/week). I'm wondering if it's worth a shot to ask about participating in their 401k. I looked on Brightscope, and I like their retirement plan options better than the one at my regular job. (I don't plan on giving up old...
by blackcat allie
Thu Aug 15, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Expedia OTA - problem w Travel awards points, web/phone glitch
Replies: 8
Views: 1098

Re: Expedia OTA - problem w Ultimate Rewards travel points, web/phone glitch

Hoping for suggestions/wisdom on appeal on getting points back from Chase Travel rewards - trying to cancel reservation ... or wondering if anyone went through similar situation? In more detail: After eagerly saving my Sapphire Travel rewards points, I made a flight reservation abroad. Tickets were...
by blackcat allie
Thu Aug 15, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Expedia OTA - problem w Travel awards points, web/phone glitch
Replies: 8
Views: 1098

Re: Advice: Sapphire Travel point awards - trying to cancel reservation & get back points back - snag on website/phone

If you don't get help from the analyst the aforementioned flyertalk forum may help. Here is their Wiki on booking flights using Ultimate Rewards points: https://www.flyertalk.com/forum/chase-ultimate-rewards/1901451-booking-flights-rooms-cars-cruises-activities-ur-include-expedia-problems.html You ...
by blackcat allie
Tue Aug 13, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Expedia OTA - problem w Travel awards points, web/phone glitch
Replies: 8
Views: 1098

Re: Advice: Sapphire Travel point awards - trying to cancel reservation & get back points back - snag on website/phone

You left out some information. 1. Do you exchange points from Chase to an airline and then used those points to book tickets? 2. Or did you use the points as cash (depending on your cards, they usually have a value between 1 cent and 1.5 cents) and then bought the tickets? If it was #1 then you'd h...
by blackcat allie
Mon Aug 12, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Expedia OTA - problem w Travel awards points, web/phone glitch
Replies: 8
Views: 1098

Expedia OTA - problem w Travel awards points, web/phone glitch

Hoping for suggestions/wisdom on appeal on getting points back from Chase Travel rewards - trying to cancel reservation ... or wondering if anyone went through similar situation? In more detail: After eagerly saving my Sapphire Travel rewards points, I made a flight reservation abroad. Tickets were ...
by blackcat allie
Thu Aug 01, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631107

Re: U.S. stocks in free fall

J G Bankerton wrote:
Thu Aug 01, 2019 12:50 pm
firebirdparts wrote:
Thu Aug 01, 2019 12:46 pm
J G Bankerton wrote:
Thu Aug 01, 2019 10:48 am
Buy the dips when they don't agree with the numbers. :greedy
Missed it by that much
Image
I got whiplashed, now is the time to buy the "V".
Good thinking, 99!
by blackcat allie
Mon Jul 29, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to get attorney after car accident?
Replies: 27
Views: 3628

Re: When to get attorney after car accident?

So if I may chime in, I'm grappling with this issue now - after being rear-ended end of December (the 3rd of 4 cars in pile up) The other driver's insurance paid full property damage ("totalled car") and no-fault insurance claims have been paid by my own auto insurance. After 6 months, I've exhauste...
by blackcat allie
Fri Jul 26, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: AirBnB asking for govt photo ID verification to book
Replies: 18
Views: 1747

Re: AirBnB asking for govt photo ID verification

runner540 wrote:
Fri Jul 26, 2019 10:39 am
A regular hotel or train booking in Europe will ask for an ID too...
I haven't experienced this, where they require upload of photo ID, prior to arrival.
by blackcat allie
Fri Jul 26, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: AirBnB asking for govt photo ID verification to book
Replies: 18
Views: 1747

Re: AirBnB asking for govt photo ID verification

Have you read this regarding photo id from Airbnb? https://www.airbnb.com/help/article/1237/how-does-it-work-when-airbnb-asks-for-an-id#what Thank you, informative link. They say they're careful with info to "us and our third-party partners using SSL" (italics mine) What's the concern? With AirBnB ...
by blackcat allie
Fri Jul 26, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: AirBnB asking for govt photo ID verification to book
Replies: 18
Views: 1747

AirBnB asking for govt photo ID verification to book

I just tried to book something on AirBnB - an experience (day tour) - for upcoming trip to Europe. They wouldn't let it be confirmed without picture of official govt' ID card '(ie drivers license or passport). :( While I would be happy to present this day of event, I'm not thrilled about giving it o...
by blackcat allie
Wed Jul 10, 2019 10:24 am
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 2334

Re: Anyone else have VG phone reps push toward PAS?

My guess is their script suggests they mention PAS to anyone who asks for help. It's likely not personal. You do sound like you have some mild behavioral hurdles to financial peace and success. Why did you not find PAS helpful in overcoming it before? I needed help with DCA. Initial plan was to do ...
by blackcat allie
Wed Jul 10, 2019 10:01 am
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 2334

Anyone else have VG phone reps push toward PAS?

Recently I phoned VG to try to stop an automatic investment going forward - on the same day. The representative encouraged me to make a Personal Advisor Service (PAS) appointment and I succumbed. Does anyone else take this to be an insult, based on non-ideal allocation? It is true that I'm not perfe...
by blackcat allie
Wed Jul 10, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 4373

Re: Turkish Airlines ?

This is just a quick thank you for all the illuminating thoughts & experiences in responses.
Happy, safe travels to us all :beer
by blackcat allie
Tue Jul 02, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7817

Re: How to avoid high vet bills?

...Again, don't want to derail into this topic/rabbit hole... e) End of life health care. This is where things can get expensive. This is where emotions can make it hard to not want to spend money to do whatever is necessary. Even just the examination fees (if you opt to not treat) with x-rays, lab...
by blackcat allie
Tue Jul 02, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1913
Views: 207634

Re: [What TV Show Have You Recently Watched?]

"Barry" and "Crashing" on HBO, both recommend.
(Restarted HBO for Chernobyl then got hooked on these)
by blackcat allie
Mon Jun 17, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 4373

Re: Turkish Airlines ?

You may want to spend $50 for Turkish visa before you go if you're an American citizen and connecting to other countries. You will not be able to leave airport without visa if you miss connecting flight or otherwise get stuck. Turkey does not issue visas on arrival. Check travel sites for some stor...
by blackcat allie
Mon Jun 17, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 4373

Turkish Airlines ?

Wondering if anyone has experience/thoughts about Turkish Airlines ? Pardon this rather specific question I'm considering trip to Central Europe, and it's pricing is better than most other options on my rewards program. More generally, is there good site for objective rankings/reviews of internation...
by blackcat allie
Mon Jun 17, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 7557

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Look closely at settings/options, I think you can just post street without house number & can use initials in name.
by blackcat allie
Thu Jun 13, 2019 10:51 am
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3654

Re: Starbucks; buy, sell, hold?

sambb wrote:
Tue Jun 11, 2019 10:00 pm
SBUX? buy sell hold>

I buy, then i hold, then i drink the coffee. I dont sell it.
☕ Cheers :beer
by blackcat allie
Thu Jun 13, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 12535

Re: Retired at 35 and have no friends :(

I think this is a troll post. Just my opinion. I am not calling anyone names. I am happy for OP if everything is true. But every time I see a new poster with a vague post with no specifics, I think someone is trying to brainstorm for a blog post somewhere to monetize. Especially if he/she does not ...
by blackcat allie
Tue Jun 04, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5720
Views: 488254

Re: U.S. stocks continue to soar!

Is there some kind of "Plunge Protection Team"?

I've heard it mentioned before, both sarcastically and earnestly