Search found 713 matches

by johnubc
Thu Apr 11, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Unique Hit and Run Situation
Replies: 29
Views: 3132

Re: Unique Hit and Run Situation

Agree with filing police report. Disclosures about holders of handicapped license plates may be subject to HIPAA privacy laws. Law enforcement may need to file a request to obtain info. No, HIPAA privacy laws and license plates have nothing in common. Nothing about the license plate will disclose a...
by johnubc
Mon Apr 01, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8598

Re: I would like a boat. I also know nothing about boats

I Would hands down recommend a Pontoon/TriToon boat. Large seating area - you can put 10-13 people on a pontoon boat to tour the lake, see sunsets and do a party boat jump. Anyone can get on a Pontoon Boat - and sit elderly, kids, friends, anyone. It can tow tubes, water skiers and wakeboarders. Not...
by johnubc
Thu Mar 21, 2019 3:25 pm
Forum: Personal Investments
Topic: Best way to use 100K: pay off rental or buy CDs?
Replies: 17
Views: 1195

Re: Best way to use 100K: pay off rental or buy CDs?

I am not sure paying down a Rental is a good idea, you state - "She would like to put the money somewhere for two years " - and in two years - how will she get to the money that is now invested into a rental. Is she going to sell the rental at that point or take money out some way (refinance, etc). ...
by johnubc
Wed Feb 27, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: A W-9 form requested from our HOA?
Replies: 30
Views: 2199

Re: A W9 form requested from our HOA?

I would not fill out a requested W-9 form if I was the treasurer of your HOA. The Dues are not paid to YOU, they are paid to the HOA. Your SSN/TIN is now what should be shared with a third party.
by johnubc
Wed Feb 27, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: HOA wants to install speed bumps that my car won't clear
Replies: 50
Views: 4994

Re: HOA wants to install speed bumps that my car won't clear

Go to the Meeting and let it be known about the issue. Sending a letter to the management company who has forwarded it to the board will likely not be read by all of the board. Let it be known publicly that there is an issue, get it in the minutes. Then when the speed bump is too high, you can go ba...
by johnubc
Sat Feb 16, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1986

Re: Medicare Fraud?

:Unless we know who the caller ID belongs"

For the folks that are relying on Caller ID - give me your number (not) - and I will call you from your own phone number. Caller ID can be spoofed and you will not know it.
by johnubc
Mon Dec 17, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8387

Re: When has being frugal or cheating out bit you in the rear?

InvestorNewb wrote:
Mon Dec 17, 2018 3:16 pm
I regret not buying graduation photos after graduating university. I remember at the time they seemed really expensive. Even though I could have easily bought them, I opted not to.
Ditto for the school ring.....it is in the back of a drawer somewhere.
by johnubc
Sat Dec 15, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5331

Re: Forgoing health insurance

You did not provide enough information to inform you if you should self insure - if you are in the range of Jeff, Bill or Warren, you can self insure and not worry about it. If you are not - what happens when you get two events in the same year - one car accident will provide enough damage to bankru...
by johnubc
Wed Dec 12, 2018 4:33 pm
Forum: Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6891

Re: Motley Fools is now for fools only?.....RIP

I had subscribed to their Hidden Gems portfolio - and also the Millionaire Portfolio before I knew much about stock picking. I lost my shirt on the Millionaire Portfolio - in the beginning, it was a total failure. However, I did make some good individual stock picks based on the Hidden Gem portfolio...
by johnubc
Tue Nov 27, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee of inherited business
Replies: 62
Views: 2778

Re: Trustee of Inherited Business continued

I am not a lawyer - so will not answer your question. My advice is to convince both you and your brother to sell the business.
by johnubc
Tue Nov 06, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: How to Encrypt a Text file?
Replies: 53
Views: 4133

Re: How to Encrypt a Text file?

There are plenty of ways to encrypt a file - WinZip has an encrypt option. Word can be used, but make sure the encrypt option is chosen vs just a password protected word file. Just a password on a file does not mean that the file is encrypted.
by johnubc
Mon Aug 20, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7920

Re: Reckless driving ticket in VA-Help!

25 sounds like it was a school zone - that is a serious issue. Fairfax will require (yes, require) a lawyer. I would really consider hiring a lawyer - it will be worth the hassle to have him/her navigate the process and will be far more effective at getting it knocked down. will it prevent you from ...
by johnubc
Fri Aug 10, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property with Sibling Questions
Replies: 22
Views: 1734

Re: Rental Property with Sibling Questions

I would suggest that you do not do it. Sell the home and split the proceeds. You will be far better off and have a better relationship with your sister.
by johnubc
Fri Aug 03, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5188

Re: best place to hide a key

Locking a key fob in a safe spot on a car - is really no better than leaving it unlocked. The fob will work - and allow the doors to be opened and car started. But, no fear, eventually the battery will run out on the fob and secure the car.
by johnubc
Tue Jul 24, 2018 5:59 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10228

Re: Dealing with HOA Notice

I have had very good luck simply ignoring "notices" given to me by my HOA. I am 3 for 3 in doing nothing and having no negative results for things like this. This is not good advice. You will very likely be surprised when you try to sell your home and discover these outstanding violations - and fee...
by johnubc
Sun Jun 10, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Paint shutters or remove
Replies: 10
Views: 1258

Re: Paint shutters or remove

As for painting them white - you will really want to remove them to paint them - as they should be sprayed and the work to tape them off in place will be more than the work to remove/replace them. It can be done - results vary with the skills of the painter. If you want to stay with the current colo...
by johnubc
Thu Apr 26, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Building/House Plans
Replies: 26
Views: 2211

Re: Building/House Plans

Check out Building a new Home on Garden Web - lots of information and helpful blog.
by johnubc
Fri Mar 23, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 38
Views: 10109

Re: What is the sentence for laminating a Medicare Card?

One day, hopefully, Medicare will replace the cardboard card and solve the issue.

I would not be too worried about laminating it.
by johnubc
Thu Mar 01, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard & Safari Not Play Nice
Replies: 19
Views: 1071

Re: Vanguard & Safari Not Play Nice

I do not have any issue - what specifically are you seeing?
by johnubc
Tue Feb 27, 2018 7:48 am
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1866

Re: Thoughts on an ESPP with 2 year contribution period?

I can say that I have never heard of a 2 year contribution period - and it makes no sense to me either. I would not participate, as holding onto the funds for two years is too risky - and ties up your money for too long. What is the part that makes this too risky? OP's not required to hold the stoc...
by johnubc
Fri Feb 23, 2018 3:58 pm
Forum: Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1866

Re: Thoughts on an ESPP with 2 year contribution period?

I can say that I have never heard of a 2 year contribution period - and it makes no sense to me either. I would not participate, as holding onto the funds for two years is too risky - and ties up your money for too long.
by johnubc
Thu Feb 22, 2018 5:57 pm
Forum: Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4986

Re: Is This Action by Megacorp Legal?

The real issue - is why let the funds stay in the 401k - the person should have rolled them over to an IRA and truly self manage, rather than let the MegaCorp select the investment mix. That is not a blanket comment that can be made. The choice of funds in my MegaCorp 401(K) is better than I can ev...
by johnubc
Thu Feb 15, 2018 11:29 am
Forum: Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4986

Re: Is This Action by Megacorp Legal?

If the funds involved in the 401k are still in the 401k - then the investment mix is determined by the legal entity (MegaCorp) that maintains the 401k. 401k's often change the investment mix every year - and will send a notice to the users that particular funds will go away and that other funds will...
by johnubc
Fri Feb 09, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 4571

Re: A bill from the doctor - how/should I contest?

I would not pay any bill for such a reason. They should be able to tell you exactly what the charges are for - I would also want to know the reason why there was such a delay in sending the bill. I would then decide if the charges are reasonable for the services stated.
by johnubc
Fri Feb 02, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 7950

Re: Substitute for taking a shower?

Any Gym Memberships available?
by johnubc
Mon Jan 29, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 4579

Re: Which of these mechanic-recommended services would you pay for?

who gave the recommendation - an actual mechanic/technician - or the commission based sales person that called to discuss the findings. The front end folks get a pretty good commission on anything they upsell - needed or not.
by johnubc
Thu Jan 18, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 5938

Re: Premium gas at BJ's for Mercedes

Gernerally, there is nothing wrong with gas from BJ's or any other station. However, certain stations could have an issue if there are leaks in their tanks allowing water to contaminate the fuel. A general 'don't buy BJ's gas' from a technician - advice I would ignore. all of the gas is processed th...
by johnubc
Thu Jan 18, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 6632

Re: To the doctors on the forum

Price Transparency. Sadly, that is something that the industry is still fighting to protect a broken system. The person with no insurance pays the full freight, whereas the person with insurance pays a negotiated rate that bears little resemblance to the actual costs. I do not blame the individual d...
by johnubc
Fri Jan 12, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Failure to Defer 401k Contributions
Replies: 6
Views: 639

Re: Failure to Defer 401k Contributions

Move on. It is too late to fix that.
by johnubc
Sun Dec 17, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp wants to change my bonus!
Replies: 25
Views: 5094

Re: Megacorp wants to change my bonus!

RSU are forfeited once you leave employment. They do not continue to vest.
by johnubc
Sun Nov 26, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 9837

Re: Too much house, right?

so - to build, you will be spending 2 years of aggravation and 900k.

What can you buy in the area for 900k - is it worth the 2 years of aggravation?
by johnubc
Fri Nov 24, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Job Downsizing Question, HELP!
Replies: 18
Views: 1981

Re: Job Downsizing Question, HELP!

First, you need to speak to your HR representative - reducing you to a pre-hire salary is a red flag. Are there additional responsibilities you can take on that will allow you to maintain the Director level position (and a higher salary)? Ask HR about the possibility of receiving the separation pack...
by johnubc
Tue Nov 21, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 2358

Re: Newly built home. sell or rent?

I would recommend to sell - unless you KNOW you will return to the area. Capital Gains - highly unlikely - you will be lucky if you do not sell for a loss - as the cost of the home will be set by the other new houses in the neighborhood and with closing/realtor fees - you will be lucky to break even...
by johnubc
Wed Oct 18, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 23
Views: 2679

Re: 1st Time Cruise - Princess and wifi

If you are going on a Cruise - I would assume a vacation - make a vacation out of it - and ditch the WiFi - you will be much happier without it.
by johnubc
Wed Aug 09, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on Empty Lot
Replies: 10
Views: 1310

Re: Insurance on Empty Lot

I have owned several empty lots - I inform my insurance company and my liability insurance extends over to it. There must be no structure - i.e., no shed, garage, etc.
by johnubc
Sun Jul 23, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 4769

Re: Healthiest Beer for the Buck

Beer - Healthy

Oxymoron.
by johnubc
Wed Jul 12, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 51
Views: 8846

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

Buffet would like to be a simple man at time. Saying an S&P 500 Fund - implies something that does not need to be defined to most people, i.e., they (think) they know what it is.

Saying - invest in TSM - would require him to define and explain what the TSM is.
by johnubc
Sun Jul 09, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 9857

Re: What to wear for job interview - skip the tie?

First Impressions have a way of disqualifying your before you can even speak. Wear a suit - with the tie - unless told differently. It is a sign of respect for the company - but also a reflection of yourself showing that you care about this interview. This is something I take into consideration, as ...
by johnubc
Fri Jun 23, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 5794

Re: Is someone trying to steal my identity?

"The company also asked me to confirm some security questions [that the scammer had set up!]. Fortunately, the scammer had given bogus answers to those questions."

This bothers me - I would not have confirmed any security questions with the target company -
by johnubc
Thu Jun 22, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 4712

Re: Christine Benz: "How to Make the Most of Your 401(k)"

Employers need to set the entrance barrier very low - and participation will increase. Even requiring a person to pick from the investment choices can seem overwhelming to most.
by johnubc
Fri Jun 02, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Employer going union, what happens with 401k
Replies: 19
Views: 2880

Re: Employer going union, what happens with 401k

I am thinking your friend needs to investigate the situation more. It would be very odd - in 2017 - that the person would not have access to a 401k/403b or 457 plan. Very many people in education have access to both a 403b and 457 plan - making it a very nice place to work if you want tax deferred a...
by johnubc
Mon May 15, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 6314

Re: Homeowner's Insurance & New Roofs

You may or may not have damage. Are your shingles of a different type or quality as your neighbors? Having a better shingle may have helped prevent damage. Is the slope of you roof different? The angle of the hail vs the roof can prevent or cause more damage. Look at other items around your house - ...
by johnubc
Fri May 12, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Motley Fool - Million Dollar Portfolio
Replies: 8
Views: 4033

Re: Motley Fool - Million Dollar Portfolio

MDP was one of the best investments I ever made. Seriously. I joined at the very beginning. The recommendations tanked. I became educated. I was never fully invested in their plan, but have gotten out of most (if not all) of their single stock recommendations. To be honest, I have made some good ret...
by johnubc
Tue May 02, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Global Entry or Nexus
Replies: 15
Views: 1688

Re: Global Entry or Nexus

some misinformation here. NEXUS - is used for expedited customs between the US and Canada. It will also qualify you for US TSA Pre - and the Canadian version. NEXUS members can also choose to be enrolled in Global Entry - to be used when entering the US from other countries. To get NEXUS, you will n...
by johnubc
Thu Apr 27, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: car portable refrigerator
Replies: 12
Views: 1414

Re: car portable refrigerator

Save your money. Buy a good cooler and use dry ice for the longer trips. Although dry ice can carbonate some foods (fruits and vegetables) - I do not think it has an effect on beef.
by johnubc
Fri Apr 21, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 57
Views: 8510

Re: Bill received after Estate is closed

I would have a meeting with the lawyer and discuss - 1 - If a bill came in from another source, what would the lawyer recommend - pay or no pay. 2 - How the lawyer would recommend you go after the other beneficiaries to recover the fee 3 - How his collection process will proceed trying to collect fr...
by johnubc
Mon Apr 10, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 2667

Re: Cell Plan based on an atypical use pattern

Look into Ting. Ting.com

Sprint and TMobile network. You pay for what you use - and a low $6 per device per month fee.
by johnubc
Wed Apr 05, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 3313

Re: How to remove DELINQUENCY from credit report?

Note to self - never, ever, ever co-sign a note for someone. And if you do, have the bill sent to your home.
by johnubc
Tue Apr 04, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Conflict of Interest at work - could I get fired?
Replies: 21
Views: 5617

Re: Conflict of Interest at work - could I get fired?

Depending on your level in the company, it will likely not make a difference. Look at the Kurian brothers (Oracle and Netapp). In many ways those two companies compete with each other.
by johnubc
Mon Apr 03, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Screwed over by the airlines...
Replies: 42
Views: 6332

Re: Screwed over by the airlines...

Hard to feel sorry for you. You created two business transactions with two vendors - with no relationship to each other. When you book the flights on the one ticket, the transaction is one transaction - and then the airlines have a responsibility to try and accommodate you. Missing the second flight...