Search found 113 matches

by LordB
Tue Aug 13, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: House purchase (cash)... wire transfer or cashier's check?
Replies: 32
Views: 2103

Re: House purchase (cash)... wire transfer or cashier's check?

We did cashiers check written out to us which we then endorsed at closing to the seller. Odds of losing the check between the morning and the closing in the afternoon were minimal. No risk of typos as we got to double check it was correct right there. if the check ends up being for the wrong amount ...
by LordB
Mon Aug 12, 2019 3:24 pm
Forum: Personal Investments
Topic: tax implications of late father's inherited property sale
Replies: 12
Views: 1241

Re: tax implications of late father's inherited property sale

While I'm sure you will get endless answers to all possibilities since bogleheads tends to beat topics to death your best bet would be to get all the info on it before hand and post once you know the actual situation. All of this depends on how it is structured etc. Frankly I am unsure if you will b...
by LordB
Sun Aug 11, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Has anyone dealt with Anxiety at work?
Replies: 13
Views: 1306

Re: Has anyone dealt with Anxiety at work?

I started seeing a councilor. Took me far to long to do it though part of that was also anxiety about seeing a councilor. Started to see them when I realized that I was having an anxiety attack driving into work. That finally got me past the hump to realize that this was something I needed help with...
by LordB
Wed Jul 31, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 9784

Re: Ethics of "bonus payback" when quitting a job

Delay departure to 1/1/20? Unfortunately (or fortunately) he took a position elsewhere and they need him ASAP. November was the earliest his current employer would let him leave. Is he actually contractually obligated to stay until current employer lets him leave? Can the new job start date be move...
by LordB
Mon Jul 29, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: How to avoid cleaners going out of business - and not getting your things?
Replies: 25
Views: 1789

Re: How to avoid cleaners going out of business - and not getting your things?

Hedging dry cleaning closures....if it's that high a concern for you and the world, maybe you can build an insurance product around it. I'm almost surprised the cleaners don't offer a 'insurance' option that covers loss, damage, etc. for the clothes (all the things if you read their fine print they...
by LordB
Tue Jul 23, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7168

Re: Uber Without Smartphone

Is there someone you can rely on to order the uber for you? They can put the location as anywhere so you could call them and ask them to put it into uber and basically act as a taxi dispatcher, but for uber. Perhaps the daughter could do this instead of driving you with an uber account you setup on ...
by LordB
Wed Jul 17, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 85
Views: 8018

Re: Tenant turned off all utilities advice please!!

If OP's relative wants to pursue the tenant for damages and/or attempt to keep any money such as a security deposit then OP's relative needs to talk to a lawyer because I am quite certain that OP's relative does not know what is legal in their area based on their naivety on other matters. The laws o...
by LordB
Tue Jul 02, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Lock in 30y Mortgage Rate at 3.875%?
Replies: 56
Views: 4710

Re: Lock in 30y Mortgage Rate at 3.875%?

We got 3.85 with 30 year or 2.99 with 15 year. This is a condo with 20% down and very well qualified (mortgage broker said we had double the income needed). I too am curious if that is possible to beat somewhere (2.85 would obviously be better, but that rate may be house only not condo or a jumbo lo...
by LordB
Tue Apr 30, 2019 8:13 am
Forum: Personal Investments
Topic: Purchase prior public service for pension?
Replies: 3
Views: 339

Re: Purchase prior public service for pension?

They should be I mean yes they should be, but lots of state pensions are overstretched and looking at either cutting benefits or other methods of decreasing costs. YMMV, but I don't know that I would trust any state pension to be stable for 30+ years especially when I am arguably in the easiest gro...
by LordB
Wed Jan 09, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Mystery supplements received from 301 W. Platt Street?
Replies: 10
Views: 1458

Re: Mystery supplements received from 301 W. Platt Street?

Called the company and they say I ordered this stuff; gave me the last four of a credit card that doesn't match any that I own. Pulled my credit report; does not show any suspicious activity. Froze my credit and initiated fraud alert. Send back box. Made a complaint on BBB (there are plenty there f...
by LordB
Thu Oct 18, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Best first time computer / path for children
Replies: 15
Views: 1180

Re: Best first time computer / path for children

Minecraft specifically the one that is useful for learning coding is the older java based version of it and requires a real laptop running windows or OSX. I lean towards a desktop for kids. It makes it less easy to break. It is easier to monitor what the kid is doing as there is no hiding under the ...
by LordB
Tue Oct 09, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2390

Re: Job Opportunity - Via Staffing Agency

If they want you badly enough they certainly have the option to just pay the staffing agency directly and hire you rather than going through them. IMO this is purely because they want to try before they buy and not have to give you their full benefits etc. and they want the flexibility to fire you w...
by LordB
Tue Sep 25, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2623

Re: Flu shot reaction? Getting flu shot this year?

PMR isn't on the consent form for flu vaccine (at least the one I have seen). That said if you tell a nurse that you have had any bad reaction previously they will likely tell you to speak to your doctor before getting it. My advice would be to talk to your doctor who should be more knowledgeable ab...
by LordB
Mon Sep 24, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5957

Re: Ripped off by a locksmith

Most locksmith places you find these days are actually run by central call centers who then subcontract out the actual unlock. They are very deceptive and pretend to be local. My guess unless you were very careful you ended up with one of those and that would also explain the longer than normal wait...
by LordB
Tue Sep 04, 2018 10:32 am
Forum: Non-US Investing
Topic: Windfall in rubles: how should we invest it?
Replies: 22
Views: 2159

Re: Windfall in rubles: how should we invest it?

Countries don't pay out higher interest out of the kindness of their hearts. They are doing it for a reason. Usually that is the risk + inflation of the country is higher than that of countries with lower interest rates. Generally speaking you want your money to be denominated in whatever currency y...
by LordB
Thu Aug 23, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Reversing credit card charge for short-term vacation rental gone awry
Replies: 26
Views: 1717

Re: Reversing credit card charge for short-term vacation rental gone awry

Generally speaking it sounds like you did everything right and your CC will likely agree with you. You didn't stay at the property (generally disputes over accomadations if you stay at the property you have to pay). You gave them a chance to rectify it, they didn't. When you submit a dispute keep it...
by LordB
Thu Aug 23, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Stock options inducing employee sabotage
Replies: 14
Views: 1754

Re: Stock options inducing employee sabotage

I am amused by people talking about SEC penalties.

I would be far more concerned about the assault and possibly murder charges. I wouldn't be surprised if something terrorism gets tacked on too (biological weapon).
by LordB
Mon Aug 20, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 4327

Re: No advance notice to employer

The only way you could be penalized beyond possibly having some retirement benefits unavailable immediately for administrative reasons and/or employer retirement benefits are dependent on being there for a set amount of time is if you had an actual contract (usually as a 1099 contractor) with penalt...
by LordB
Fri Aug 17, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Financially Wise to Help Adult Child Buy Larger House
Replies: 18
Views: 2283

Re: Financially Wise to Help Adult Child Buy Larger House

IMO if you want to visit them more the best thing you could do is rent nearby for a few weeks or months at a time. Perhaps you get along very well with your kid, but keep in mind being nearby is very different than living. Would you be alright if you only got to use the house you helped them buy a f...
by LordB
Tue Jul 24, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 6316

Re: Craigslist payment by PayPal - safe or scam?

Just as a counterpoint, I've bought quite a few small items after conducting nationwide searches via a CL aggregator (seachtempest.com in my case). After I make contact with the seller and negotiate a price I break the news that I'm actually from out of town and that I'll need the item shipped to m...
by LordB
Tue Jul 24, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 6316

Re: Craigslist payment by PayPal - safe or scam?

Just as a counterpoint, I've bought quite a few small items after conducting nationwide searches via a CL aggregator (seachtempest.com in my case). After I make contact with the seller and negotiate a price I break the news that I'm actually from out of town and that I'll need the item shipped to m...
by LordB
Sun Jun 10, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6864

Re: Moved Family Across Country for New Job and Job is now gone

I would at least have a quick chat with a lawyer about them reneging on the job unless you really think they would be insolvent too quickly to pay any judgement you get and you don't think it would hurt your reputation in the area you are in. It isn't a slam dunk, but being told you have a job, rely...
by LordB
Thu Aug 06, 2015 6:33 am
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 5684

Re: Comcast wants me to buy a new modem (I think)

I had a docis 1.0 modem for about 10 years (we were one of the first with broadband before comcast bought out roadrunner in our area). Note that buying vs. renting here saved me about $600. They played the same games sending me letters etc. When I called them and pointed out that the speeds I was pa...
by LordB
Mon Jul 27, 2015 5:55 pm
Forum: Personal Investments
Topic: Penny Stocks
Replies: 23
Views: 3081

Re: Penny Stocks

If your goal is to lose money I highly recommend it.
by LordB
Mon Jul 27, 2015 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: finance a car or lease it
Replies: 11
Views: 1041

Re: finance a car or lease it

In order of financial soundness the generally agreed order is: Cheap used car around 100k miles as that seems to be psychological barrier and cars made in the last 10 years should last to 150k fairly easily ($3 to $5k seems to be the sweet spot here) More expensive used car though still avoiding cer...
by LordB
Mon Jul 20, 2015 6:45 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular now offers service on both AT&T and T-Mobile
Replies: 12
Views: 5101

Re: Consumer Cellular now offers service on both AT&T and T-Mobile

Since you can buy a Consumer Cellular SIM at Sears or Target, I wonder how you can tell whether it is AT&T or T-Mobile. My sources on the Internet tell me; If the SIM ID starts with 890126 it's for T-Mobile, AT&T SIM IDs start with 890141. When we were driving to Sears according to the CC rep if it...
by LordB
Thu Jul 16, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular now offers service on both AT&T and T-Mobile
Replies: 12
Views: 5101

Re: Consumer Cellular now offers service on both AT&T and T-Mobile

Watch out when ordering from them. I ordered a replacement phone for my grandmother and they sent the phone with a T-Mobile sim card. T-Mobile has no reception where she lives and we very specifically got ATT for her. Also they couldn't reactivate the original ATT sim card (we would have been fine h...
by LordB
Tue Jun 30, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Stay in tech job? - What would you do?
Replies: 7
Views: 1708

Re: Stay in tech job? - What would you do?

I'm not really at a point in my life where I can give an honest answer being in the relative beginning of a tech career, but all of those pay grades especially the tech ones seem really low for your amount of experience etc though I don't know what COL is where you are. Someone with your amount of e...
by LordB
Wed May 06, 2015 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Forfeiture of Estate
Replies: 16
Views: 2724

Re: Forfeiture of Estate

Not too related, but this thread over at fatwallet about an inheritance (abit a complicated international inheritance) has been going on for 10 years and shows no sign of ending in case you are curious about what the worst case scenario is.

http://www.fatwallet.com/forums/finance/305858/
by LordB
Wed Apr 29, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: LifeLock vs Freezing Credit Reports
Replies: 22
Views: 15615

Re: LifeLock vs Freezing Credit Reports

Personally I consider lifelock a waste of money at best and a scam at worst. I certainly would just manually lock the report if you really want to. That said unless you have severe problems with identity theft I don't think it is worth it to lock the report either. You are not libel for any fraud an...
by LordB
Sun Apr 26, 2015 12:23 pm
Forum: Personal Investments
Topic: Help me retire in 10 years
Replies: 27
Views: 5252

Re: Help me retire in 10 years

I am 28. I started seriously saving at 23. I make in the low 100s. I guess the only difference is that you are starting off with $192k whereas at that age I was at $36k. I live on around $30k per year except no kids (and no plans to get any, no husband. I'm basically 1/2 way into your 10 year plan w...
by LordB
Mon Mar 02, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Job offer questions - appropriate?
Replies: 23
Views: 2113

Re: Job offer questions - appropriate?

IMO that question should have been asked sooner. I would have asked it in the 1st or 2nd interview. I have also been asked it plenty in various interviews (though I would be a peer not the manager).

That is probably why it made things a bit awkward.
by LordB
Mon Mar 02, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: Archival CD - MDisc
Replies: 25
Views: 2657

Re: Archival CD - MDisc

Personally I would upload the data to amazon web services, google storage, and/or azure storage (you can use 1 or all of these depending on your paranoia level). If you really are worried about the data being accessed you can encrypt it locally then upload (though then you have the issue of saving t...
by LordB
Tue Jan 06, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 9274

Re: Any men here get their wedding band on Amazon?

I just purchased this titanium wedding ring for $10 and love it: http://www.amazon.com/gp/product/B0034ELTE0/ref=oh_aui_detailpage_o01_s00?ie=UTF8&psc=1 I now have 4 different rings (all under $20) of different shapes and materials. I'm all for diversifying wedding ring portfolios. This is boglehea...
by LordB
Sat Dec 06, 2014 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 62
Views: 38802

Re: Anyone here use Personal Capital?

They kept calling me despite me saying I wasn't interested. No way to turn off the calls so I deleted my account since mint.com was enough for my purposes anyways. Hopefully that ends the calls permanently.
by LordB
Tue Nov 18, 2014 6:25 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 7629

Re: Apple Stores - do they try to be awful?

I feel that apple is too willing to get very small places for their stores. They end up with not enough room to help people because of this even during non-holiday times and during the holidays it just flat out gets insane.
by LordB
Fri Oct 24, 2014 6:56 am
Forum: Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 1710

Re: Buying a home / renting it to a friend

Right now his job is mostly cash based so while he makes good money, he doesn't make a lot on paper to get a loan to buy it himself. So when he wrecks the place and doesn't pay rent you will have no way to go after him for the money even assuming it is the "under the table" cash work and not the "g...
by LordB
Fri Oct 24, 2014 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying home, have student loans
Replies: 4
Views: 710

Re: Buying home, have student loans

Personally I would try to pay off the loans student + car before buying a house. 6.5% is very high, you are paying ~$13k a year in interest on them. 1/2 of every payment is going towards the interest. That said while I think it would be a bit tight I don't see any reason why you can't afford a $475,...
by LordB
Wed Sep 17, 2014 2:51 pm
Forum: Investing - Theory, News & General
Topic: Creating a permanent legacy?
Replies: 53
Views: 7068

Re: Creating a permanent legacy?

I have heard that there are some taxes/laws that prevent a legacy from being truly permanent such as requiring they distribute a certain amount etc. I am going off vague memories though and could be mistaken.
by LordB
Mon Sep 15, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: What Happens To Mortgage When Borrower Dies?
Replies: 12
Views: 2490

Re: What Happens To Mortgage When Borrower Dies?

I used to hear that if one person on a joint checking account died, the account would be frozen when the bank found out about the death. So I used to remind DH that the first thing to do after I die (if he wants to continue eating) is to remove as much money as he could from joint accounts and open...
by LordB
Mon Sep 08, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Put $$$cash in annuity b4 claiming financial aide
Replies: 9
Views: 1421

Re: Put $$$cash in annuity b4 claiming financial aide

You might want to consider editing your title to use proper language. This forum is not twitter or a SMS. Anyways I have never heard of doing this and I have a hard time believing the massive fees and other disadvantages of going with annuities especially from a pushy salesman would be worth it. Gen...
by LordB
Mon Sep 08, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 396
Views: 60198

Re: Good Modern Science Fiction

I realize you have enough to keep you busy, but figured I would mention this for others. I like Neil Asher's books. Take a look at Gridlinked as that is the first one of his Ian Cormac series. I should note that Asher later in the series does a fair amount of "that book was wrong" as it is clear he ...
by LordB
Thu Aug 28, 2014 4:47 am
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 2005

Re: Sick Building Syndrome (Electrical Pollution)

I would recommend seeing a psychologist. To put it bluntly there is absolutely no scientific evidence that the things you are talking about cause any harm or have any effect at all. Every scientific study (real scientific studies not ones claiming to be scientific when they are not) has debunked cla...
by LordB
Mon Jul 28, 2014 6:34 am
Forum: Personal Investments
Topic: Mint.com--does not keep my accounts up to date
Replies: 8
Views: 1666

Re: Mint.com--does not keep my accounts up to date

I am rather amused that it continues to say that I have a rent bill of 1,250 when my rent bill is 1,025. I have no idea how it even does that... maybe it rounds up to the nearest $250 once bills get above $10000... which would be rather dumb. I have never paid any bills named rent for $1,250. I use ...
by LordB
Sat Jul 26, 2014 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 21
Views: 3779

Re: Fraudulent Charges Mystery

How is that possible unless someone is stealing data and manufacturing cards? They steal the card's info with a card reader then make a custom physical card with the data. Often times using gift cards and just re-writing the magentic info though I imagine some get really fancy and make one that loo...
by LordB
Thu Jul 24, 2014 10:55 am
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 6886

Re: Geneological research for unclaimed property

You might be interested in reading about this thread: http://www.fatwallet.com/forums/finance/305858/

And that is from someone who died recently (though in that case millions were at stake and there was a bunch of foreign legal systems he had to go through).
by LordB
Wed Jul 02, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 2273

Re: Dumb phone save hikers life

He may not have had cell reception. The phone will send out a message "Hey anyone towers around" and the searchers can monitor for that (I'm not sure if a tower needs to do anything for this to happen, but if so the searchers would presumably have something capable of imitating a tower and getting t...
by LordB
Mon Jun 23, 2014 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Took 2 RMDs by mistake and can't cancel the transaction
Replies: 36
Views: 3390

Re: Took 2 RMDs by mistake and can't cancel the transaction

Honestly I would consider the executive carpet bomb and/or keep talking and asking to talk to a higher supervisor. Their website caused you to be confused as to if it worked or not. They should have a way to revert it. I find it hard to believe that there isn't some way they can do it especially hav...
by LordB
Fri Jun 13, 2014 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 3482

Re: Credit union with good online bill pay?

DCU (Digital Federal Credit Union) is pretty good. Never had a problem and they don't take the money out until it is cashed if they have to send a check. Though honestly I prefer the money out when I send it... less chance of me forgetting about a check sent if I don't see the money in my account......
by LordB
Tue Jun 10, 2014 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Child Life Insurance
Replies: 29
Views: 2554

Re: Child Life Insurance

$100k 20-year term on a child would cost about $11/month, or a permanent $100k policy would cost about $25/mo. The biggest problem most parents have after the loss of a child is not the funeral expenses, it's the lost time from work coping with the situation. I've seen long-term disability claims t...