Search found 2829 matches

by neurosphere
Mon Jun 25, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Garrett Planning Network experiences
Replies: 12
Views: 802

Re: Garrett Planning Network experiences

I googled them and their fees: https://www.garrettplanningnetwork.com/membership-and-prices Try to make sense of their schedule. I live in the Charlotte area and these guys are similar to FPL. Run Forest Run Just in case it's not clear, those fees are the fees an advisor pays to the Garrett network...
by neurosphere
Sun Jun 24, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 91
Views: 6666

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Not sure if this has been addressed already. [Edit, I think I'm wrong. It's just that the calculator is calling the first benefit for someone with an april 1st birthday as "starting" in april and calling it "age 62 and one month". Which is correct in SS terms, but confusing in real life terms. Other...
by neurosphere
Sun Jun 24, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit Question
Replies: 6
Views: 795

Re: Social Security Spousal Benefit Question

I have a very specific hypothetical example.... [snip] Charlie has a Primary Insurance Amount (PIA) of $1,000 Jordan has a Primary Insurance Amount (PIA) of $100. Both of them have a Norma Retirement Age (NRA/FRA) of 67. Charlie is 8 years older than Jordan, so by the time Jordan reaches the minimu...
by neurosphere
Sat Jun 23, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit Question
Replies: 6
Views: 795

Re: Social Security Spousal Benefit Question

See https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615694 “RS 00615.694 DRCs in Dual-Entitlement Cases The link shows the calculation process, and uses terms I very much like. I have always been confused between the term "spouse's benefit" vs "benefit as a spouse" and the ambiguity with the "overal...
by neurosphere
Sat Jun 23, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit Question
Replies: 6
Views: 795

Re: Social Security Spousal Benefit Question

I am a student of SS filing and the amount of total benefit can't exceed the spousal benefit(if the spousal benefit is the highest of the two). The chance to claim the spousal benefit and then let yours grow was eliminated for anyone born after Jan 1954. My opinion is that in this case of yours, th...
by neurosphere
Thu Jun 21, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 91
Views: 6666

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I think this is my problem. When prompted for PIAs, I entered the full retirement age #s from the SS benefit report. But these assume continued earnings at present level through full retirement age. I don't know how this tool is meant to work when early retirement is involved. Just to be super-prec...
by neurosphere
Thu Jun 21, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vanguard Municipal Money Market VMSXX 1.39%

This seems to kind of explain some of it, but some of the explanations do not match what we've seen over the last two cycles. Agreed. I wonder if there are two or more overlapping influences which affect the cycles, e.g. investor behavior, underlying economic conditions, one-time events such as new...
by neurosphere
Wed Jun 20, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vanguard Municipal Money Market VMSXX 1.39%

Here's a source which explains the seasonal variability in money market funds: https://www.gsam.com/content/dam/gsam/pdfs/us/en/fund-literature/investment-solution/ps-tax-free.pdf?sa=n&rd=n Second Quarter Tax-exempt funds can witness outflows as investors pay taxes. Outflows can last through late Ma...
by neurosphere
Wed Jun 20, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Help
Replies: 17
Views: 1192

Re: Student Loan Help

It seems all of the loans which are currently charging you any interest have the same interest rate. So I don't think it really matters. But what I would do is target the smaller loans first. Just to clean things up a bit and possibly make things ever so slightly easier in the future if your loan se...
by neurosphere
Tue Jun 19, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vanguard Municipal Money Market VMSXX 1.39%

Leif wrote:
Tue Jun 19, 2018 11:02 am
Looking at the Portfolio composition of Prime, VMMXX, the bulk of the holdings is in "Yankee/Foreign" (42.8%). Does anyone know what this is?
viewtopic.php?t=206799#p3180730
by neurosphere
Sat Jun 16, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 901

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

I need to figure out what % of income to set aside to max out my 401K. I am currently at 20%, and max out my 401K. If the limit goes up, then I have to leave my contribution alone. If the limit remains unchanged, I can lower my percent of salary contributed. Trying to plan ahead. Why do you have to...
by neurosphere
Sat Jun 16, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 901

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

I need to figure out what % of income to set aside to max out my 401K. I am currently at 20%, and max out my 401K. If the limit goes up, then I have to leave my contribution alone. If the limit remains unchanged, I can lower my percent of salary contributed. Trying to plan ahead. :happy Why do you ...
by neurosphere
Fri Jun 15, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

This is an interesting phenomenon. I looked for papers discussing this but could only find this paper from 2000 that mostly touches on the end of the year "turn" effect: Seasonal Patterns in Money Market Mutual Funds Welcome to Bogleheads!! :D Good find, and thanks for sharing! I had previous seen ...
by neurosphere
Thu Jun 14, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

late 2017 through today swings are more dramatic Also, why did you choose this data set? Is it representative of the next 18 years? Look at Kevin M's post from May 19th in this thread. This quarterly (and monthly?) variability has been going on for a while, and is likely not related any particular ...
by neurosphere
Thu Jun 14, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Could it be that investors pile into muni mm when TEY is higher than prime mm (like me) and the demand drives the yield down? When investors (like me) realize that it is not the case and go back to prime mm, than the yield on muni mm go up and the cycle repeats? But then why would there be quarterl...
by neurosphere
Thu Jun 14, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with 1099 INT reporting and/or manually adjusting state tax exempt US Agency bond interest?
Replies: 5
Views: 299

Re: Experiences with 1099 INT reporting and/or manually adjusting state tax exempt US Agency bond interest?

You can look up the info you are looking for here: https://personal.vanguard.com/us/insights/taxcenter/tax-information-vanguardfunds You can find a list of the percentage of government obligations for each fund. I'll bet that Vanguard's definition of "government obligations" matches the list of bond...
by neurosphere
Wed Jun 13, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The TEY calculations assume no itemized deductions, or at least that state income tax is not deductible in calculating your marginal federal tax rate. Different states tax home-state muni interest differently, depending on how much is in the fund. It looks like you are assuming all of the national ...
by neurosphere
Wed Jun 13, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The TEY calculations assume no itemized deductions, or at least that state income tax is not deductible in calculating your marginal federal tax rate. Different states tax home-state muni interest differently, depending on how much is in the fund. It looks like you are assuming all of the national ...
by neurosphere
Wed Jun 13, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Why is there so much fluctuation in muni money market yields? Is it just a quick of how Vanguard reports the yield, or should we actually be moving money back and forth to exploit this? I don't understand it either, and worse yet, no one else seems to either. I have spent close to 5 hours googling ...
by neurosphere
Tue Jun 12, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The trend from the past 1-2 months continues: Prime MM up over 2% [edit: admiral shares], while the NY and CA MM fell below 1%. The national municipal money market is at 1.03% According to one reference, the highest state+local rates in CA are 13.3% and in NY 12.7%. The highest federal rates are 32/...
by neurosphere
Sun Jun 10, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July please advise: how to be a better boglehead.

1. My understanding based on my income is that starting this year I will NOT be eligible for IBR. Trust me, I'd rather be on IBR but repeated talks with fedloan and PSLF folks have told me I can't do IBR and instead have to do R PAYE. If I could otherwise, I would. I've been asking around, and it s...
by neurosphere
Sun Jun 10, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July. Please advise to be a better boglehead

What I mean is that his professional path and his life path may drastically change in the near future; sticking with a PSLF-qualifying employer for a decade may not work out. That's fair. However for now his path is PSLF eligible. The upsides of PSLF are massive and potentially lifesaving, the down...
by neurosphere
Wed Jun 06, 2018 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July please advise: how to be a better boglehead.

1. My understanding based on my income is that starting this year I will NOT be eligible for IBR. Trust me, I'd rather be on IBR but repeated talks with fedloan and PSLF folks have told me I can't do IBR and instead have to do R PAYE. If I could otherwise, I would. 2. Next I am basically sayiing wh...
by neurosphere
Tue Jun 05, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Thanks, that's helpful. I think I will just stick to Prime MMF for a while. Too much hassle to track and move around money every month for a few dollars in interest. Prime definitely is better now. I'm sure it will be reported in this thread when the muni MM funds start looking more attractive agai...
by neurosphere
Mon Jun 04, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July please advise: how to be a better boglehead.

I feel that I have a pretty good grasp. I guess it's not forgiveness. Rather its appealing a technicality. I ended up paying the right amount for the first 2 years but forgot to do the employment verification on time-i submitted it though. They did say theyd review and give it to me. Also I know th...
by neurosphere
Mon Jun 04, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 32
Views: 4644

Re: Flight cancelled. Entitle to any compensation?

https://www.transportation.gov/airconsumer/fly-rights Each airline has its own policies about what it will do for delayed passengers waiting at the airport; there are no federal requirements. If you are delayed, ask the airline staff if it will pay for meals or a phone call. Some airlines, often tho...
by neurosphere
Mon Jun 04, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July please advise: how to be a better boglehead.

I have 1 year forgiven. Due to technicality I am currently appealing to get the past 2 years also forgiven. So hopefully I only have 7 years left. My 160k is with interest. My original loan was for 140k. I have made qualifying payments but they are very low due to my low income. Wait- are you sayin...
by neurosphere
Mon Jun 04, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July. Please advise to be a better boglehead

Not to be a naysayer, but a doc about to finish residency with a house and a kid in the near future (and a spouse with no interest in working) that is interested in starting an entire second career may not be the best candidate for PSLF. I'm confused. This would make PSLF even more valuable or impo...
by neurosphere
Mon Jun 04, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July. Please advise to be a better boglehead

Given your high income, LCOL location, and low housing costs for now, I don't understand why you'd be fooling around with PSLF. Why do you say that? If one has a reasonable chance of staying in an eligible job for 10 years, PSLF is a something which should certainly be pursued. To not do so would b...
by neurosphere
Mon Jun 04, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2582

Re: Starting new Job in July please advise: how to be a better boglehead.

3. Should I aim to use the PSLF and never pay off the loans until after 10 years to save a windfall (approx bw 80-200k savings if I use PSLF instead of paying it off now- depending on how much interest is accrued, rate of return if invested and other assumptions) Have you made any qualifying PSLF p...
by neurosphere
Sun Jun 03, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Dilemna
Replies: 10
Views: 1314

Re: 403B Dilemna

Are there minimum amounts that the IRS requires to be withheld if we did decide to change her withholding to allow for more take home pay? There are no minimum amounts to consider for any one individual spouse. E.g. in the past we have routinely chosen allowances on our W4s such that my withholding...
by neurosphere
Sun Jun 03, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 124
Views: 8693

Re: What's wrong with this critique of indexing?

If I have "$5 billion" worth of News Corporation stock and I actually try to sell it, there may not be anybody who wants to buy it at that price. In order to clear $5 billion on the deal, I may need to find someone willing to pay $5 billion for a number of shares of stock that I thought was worth, ...
by neurosphere
Sat Jun 02, 2018 6:05 am
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 124
Views: 8693

Re: What's wrong with this critique of indexing?

If I have "$5 billion" worth of News Corporation stock and I actually try to sell it, there may not be anybody who wants to buy it at that price. In order to clear $5 billion on the deal, I may need to find someone willing to pay $5 billion for a number of shares of stock that I thought was worth, ...
by neurosphere
Wed May 30, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How much is a Roth worth?
Replies: 14
Views: 2446

Re: How much is a Roth worth?

I am not asking for advice in my specific situation (though the answer has to do with deciding how to split business income between an owner and spouse ). I appreciate the interest, but I am wondering about the value of a Roth-style account. Ah, the bolded part makes sense. The reason I was asking ...
by neurosphere
Wed May 30, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: How much is a Roth worth?
Replies: 14
Views: 2446

Re: How much is a Roth worth?

This rumination started because over whether it's worth it to take income, pay 15.2% in SE taxes (for someone who will never use SS or Medicare), and pay income taxes, just to be able to put money an account that will grow tax free and can be withdrawn tax free (via a mega backdoor roth). Or not pa...
by neurosphere
Tue May 29, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much is a Roth worth?
Replies: 14
Views: 2446

Re: How much is a Roth worth?

Why do you even need to know this? I can imagine a situation where one has a large loan balance, perhaps student loans. Wouldn't a Roth contribution, vs loan paydown, be a "fee" of sorts? Or imagine someone has an Rollover IRA of $3000, without the ability to roll it into an employer account. A rot...
by neurosphere
Thu May 24, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 12
Views: 1111

Re: NY Insurance Costs on the Rise

I have umbrella with Geico in NY. Rates were stable for year until 2016, then in 2017 there was a 10-20% increase, and my renewal this month was also about a 20% increase.

Interestingly, my auto policy with Geico hasn't changed noticeably.
by neurosphere
Wed May 23, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Similar conclusion by simply looking at YTD returns: Prime MM 0.61%, Muni MM = 0.46% = 0.61% * (1-24%). According the the following, the short term municipal bonds which make up money market funds (and represented by the "SIFMA" index) tend to track 65% of the 3-month LIBOR rates pretty closely. I ...
by neurosphere
Sun May 20, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Practically speaking, using the daily SEC yield to calculate the TEY for comparison with other investments might not be the best. As some have experiences (myself included), at peaks it gives a false impression that the muni MM is much much better than other investments. I'm under the impression th...
by neurosphere
Sun May 20, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Here I zoomed in on 1995-2000: https://s26.postimg.cc/6nlpba49l/Muni_Money_Market_Yield_History1995-2000.png I do see lots of peaks at or near the quarter boundaries. Your graphs are great Kevin, thanks for sharing! I agree, it seems these peaks are not a recent phenomenon. I've been researching to...
by neurosphere
Sat May 19, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48495

Re: "Why 97% of People Don't Use 529 College Savings Plans."

One should not borrow from a loan shark to put money in a 529 either. You guys are doing a great job knocking down straw men. I don't see too many people advocating for 529 contributions in these types of scenarios. What i see discussions about is AFTER you have maxed out tax-advantaged space, does...
by neurosphere
Sat May 19, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Another observation is that the previous peaks in the spikes occurred very close to the beginning of a calendar quarter, but the most recent one didn't occur until almost a month after the beginning of the quarter (4/26/2018). Interestingly, there is that "notch" (April 1-ish) exactly where previou...
by neurosphere
Sat May 19, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Inspired by neurosphere 's chart, I made an updated chart... Great, thanks! I was in the process of updating the chart and then got distracted and moved on to something else. Thanks for adding the quarter-lines. It emphasises that indeed there is a quarterly spike in muti rates. I also "see" this e...
by neurosphere
Sat May 19, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

I still don't see how the step-wise increases in FFR result in cyclical up and down changes in muni MM yields we see. Let's look at target FFR upper limit and 1-month Treasury (averaged weekly to smooth it a bit).... We don't see the regular cyclical up and down in the 1-month Treasury like we do i...
by neurosphere
Sat May 19, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48495

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Also missing from the article was the mantra that a family should not contribute to a 529 plan unless they have made the maximum contributions to retirement plans first. :thumbsup I don't understand why some financial pundits recommend that people contribute to 529 plans when they are [neuro: I ass...
by neurosphere
Sat May 19, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 159
Views: 16403

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The ends of the last 2 quarters were preceded by hikes in the FFR just a couple weeks before those ends. I would expect the same kind of hike in June before the end of this quarter. That doesn't explain it. If it did, we'd see a similar cycle in Prime MM fund, which we don't. It has just been conti...
by neurosphere
Thu May 17, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6858

Re: Mortgage decision killing me

I would like to try and pay the house down as quickly as possible, but realistically the pace can probably be no faster than 15 yrs. I think this gives you your answer. You would like to pay off your house quickly. Whether that's a good or bad idea is another discussion. But if you feel you can do ...
by neurosphere
Wed May 16, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan to get new employer's company match
Replies: 15
Views: 816

Re: 401k loan to get new employer's company match

New company doesn't know about the 16000 you already contributed, so you could just do non-taxable contributions and still get the match. How does one elect non-taxable contributions (did not see this option in the plan administrator's website)? I assume the advice was supposed to be to make non-Ro...
by neurosphere
Wed May 16, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1871

Re: Why can't you rollover a retirement account into another one that you no longer work at?

Why wouldn't I be rolling them over into Job A's IRA? Because the guy on the phone with Job A's retirement account made it seem like the IRA would be through them which is Empower Retirement? A company like Empower (or Vanguard or Fidelity, etc) can provide accounts to both businesses and individua...
by neurosphere
Wed May 16, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4755

Re: somebody is using our address

Is he having illegal items shipped to your home? Is this credit card fraud, where illegally paid for items are shipped to your address so they can't trace it to him? I can think of a dozen possibilities, and none of them are legitimate. If you can prevent him from getting the packages, he'll have to...