Search found 101 matches

by specabecca
Wed Jan 02, 2013 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 7786

Re: RANT - 2013 Florida Home Insurance Rate Increase

TELL ME MORE - what is the rejecting the building ordiance? I've already raised my Hurricane Deductable to 10%, and last year did everything else to lower the premium. From everything I've heard, USAA is an excellent company, and not the cheapest so $5K for $1M sounds great. USAA has periods where ...
by specabecca
Wed Dec 19, 2012 11:56 am
Forum: Personal Consumer Issues
Topic: Amazon Prime is worth it
Replies: 70
Views: 7739

Re: Amazon Prime is worth it

I have never waited more than three days for anything in stock that is shipped with the "free shipping for over $XX" -- it probably has to do with how close the major distribution center is. The only faster shipping I've ever experienced was Newegg - ordered at 4:00 one afternoon and deli...
by specabecca
Mon Dec 17, 2012 11:40 am
Forum: Personal Consumer Issues
Topic: Revisiting cable cutting
Replies: 40
Views: 3831

Re: Revisiting cable cutting

For a giant multiplier on the price, you could go with a large exterior antenna. I recommend this when trying to appease a gadget happy husband while pushing your cable cutting agenda. Total cost was near 1k when you add in the cost of the material (350 for the antenna itself, I think), lost labor (...
by specabecca
Sat Nov 24, 2012 4:47 am
Forum: Personal Consumer Issues
Topic: Silly question: Can I change the name of my vanguard acct?
Replies: 17
Views: 6995

Re: Silly question: Can I change the name of my vanguard acc

I called to do this a few years back and was told that it was not an option. It seems like a very strange policy, but it's a small quirk compared to the things Vanguard does right.
by specabecca
Tue Jul 24, 2012 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Educational help for 25 YO slow-starter son??
Replies: 41
Views: 5050

Re: Educational help for 25 YO slow-starter son??

you could help him most by moving him out. I concur with the note about providing unlimited free child care, but truely, while she is still just 4 (not 7, when she grows more aware of her peers living situations and wants to be 'normal'), he needs to figure out how to live on his own and support his...
by specabecca
Wed Jun 27, 2012 4:43 pm
Forum: Personal Consumer Issues
Topic: Difficulty with contractor - return of used appliance
Replies: 12
Views: 1299

Re: Difficulty with contractor - return of used appliance

Agreed, Discobunny. I intend to only present the facts.
by specabecca
Wed Jun 27, 2012 2:37 pm
Forum: Personal Consumer Issues
Topic: Difficulty with contractor - return of used appliance
Replies: 12
Views: 1299

Re: Difficulty with contractor - return of used appliance

Thanks for the tips. Florida does have a consumer rights division, so I'll contact them middle of next week if I hear nothing back from the BBB by then. I also appreciate the idea about Angie's list - that may be the next step after the consumer rights division. WRT proving that it leaks in small cl...
by specabecca
Tue Jun 26, 2012 7:27 pm
Forum: Personal Consumer Issues
Topic: Difficulty with contractor - return of used appliance
Replies: 12
Views: 1299

Re: Difficulty with contractor - return of used appliance

@ Fallible >It would help to know what the contractor meant by "tough luck" and exactly what his reasons are for refusing to take it back. The contractor said over the phone that he thought we broke it when we installed it and that he would not take it back. He said that the best he could ...
by specabecca
Tue Jun 26, 2012 11:23 am
Forum: Personal Consumer Issues
Topic: Difficulty with contractor - return of used appliance
Replies: 12
Views: 1299

Re: Difficulty with contractor - resale of used appliance

Edited original post to add more detail based on responses from Earlyout and DiscoBunny1979.
by specabecca
Tue Jun 26, 2012 10:55 am
Forum: Personal Consumer Issues
Topic: Difficulty with contractor - return of used appliance
Replies: 12
Views: 1299

Difficulty with contractor - return of used appliance

Edit*** Based on the responses below, let me clarify the story. I contacted a contractor who was selling a used appliance - a dishwasher. It was sold as fully operational and in like-new condition. We paid cash and hauled it home, installed it, and found that it was misrepresented. On the first cycl...
by specabecca
Wed Jun 06, 2012 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone done a private reverse mortgage?
Replies: 16
Views: 2553

Re: Has anyone done a private reverse mortgage?

There may be other better mechanisms to accomplish basically the same thing which is to help her parents convert some equity into cash without giving up their treasured weekend house. I'm open to any other suggestions. They are basically property rich and cash poor at this point. in a few years it ...
by specabecca
Wed Jun 06, 2012 10:46 am
Forum: Personal Finance (Not Investing)
Topic: How much is health insurance?
Replies: 40
Views: 3562

Re: How much is health insurance?

I may be wrong, but I think EmergDoc was referring to those people who elect to not treat things like rotting teeth (too much money!), get proper preventative care (annual physicals, screenings, blood work), and don't receive 'elective' care like going in for treatment when you have been sick for 2 ...
by specabecca
Mon May 07, 2012 7:43 am
Forum: Personal Finance (Not Investing)
Topic: helping child purchase first home
Replies: 13
Views: 1472

Re: helping child purchase first home

If you have $4M and want to contibute $200K to an adult son or daughter (not a child), I presume you have the money for professional financial/tax planning and management. It boggles the mind that you would ask a web forum. We are talking about moving 5% of his net worth for a one time deal for his...
by specabecca
Wed May 02, 2012 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Asked To Work 4th Day
Replies: 24
Views: 3050

Re: Wife Asked To Work 4th Day

As a woman in a highly similar situation (tech, not med), I can attest that going from 2 to 4 work days has created a bit of a work-life imbalance. I think 3 days a week is perfect, 2 too little, and 4 too much. On that note, my 4 days require 80 minutes of drive time each day (total). Frankly, it's...
by specabecca
Wed May 02, 2012 12:45 pm
Forum: Personal Consumer Issues
Topic: Yard cleaning service
Replies: 28
Views: 2610

Re: Yard cleaning service

Some people commented on the feasibility of three men sharing $30. I too have thought about this myself, but so long as they do the job neat and do not cause me any problem, it's not my thing to worry about. It must be the market rate. Actually I had another service when I moved in few years back, ...
by specabecca
Mon Apr 30, 2012 2:39 pm
Forum: Investing - Theory, News & General
Topic: Financial Analogies
Replies: 38
Views: 4687

Re: Financial Analogies

On my third read, I realized this thread was Financial Analogies. I just kept reading 'Financial Allergies'. I thought it would be another thread about not-so-likeminded spouces, or the like. Anyway, as analogies go, the term financial allergies seems apropos for our consumption-oriented friends and...
by specabecca
Fri Apr 27, 2012 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Helping adult mother financially
Replies: 65
Views: 5401

Re: Helping adult mother financially

I wish you and your wife well, OP. You made the choice that is right for you. Be confident in yourself and in time, you'll learn to see that you helped everyone by NOT enabling a bad situation to deteriorate further. It hurts to the depth of your soul to be manipulted by loved ones. It is usually mu...
by specabecca
Wed Apr 25, 2012 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo HARP Refi an OK deal?
Replies: 10
Views: 1737

Re: Wells Fargo HARP Refi an OK deal?

I did a no-cost refi with WF recently on a property and have to say I was quite pleased with the process/results. It was a bit of a bait and switch about the 'no doc' business, but boy was it worth it go from 6% interest to 3.5% interest (back in October). Go for it - but do consider that major pric...
by specabecca
Tue Apr 03, 2012 8:24 am
Forum: Personal Consumer Issues
Topic: access email at work
Replies: 53
Views: 4631

Re: access email at work

Your workplace may frown on this (the one smart IT guy at my workplace who understood what I was doing didn't care since it didn't create any entries in any log showing me trying to access blocked sites through their firewall), but I always used an SSH tunnel to my Linux boxen at home. It gives you...
by specabecca
Tue Apr 03, 2012 7:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard - The Anti-Goldman Culture
Replies: 11
Views: 1898

Re: Vanguard - The Anti-Goldman Culture

I enjoyed the read, as well as hearing about your personal experience. Thanks Mel.
by specabecca
Tue Apr 03, 2012 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Your milestones?
Replies: 82
Views: 6656

Re: Your milestones?

I do mine annually - max Roth IRA contributions, max 401k, prepay our sons tuition for the year (small discount for prepayments). Also, each year, I set a goal for home principle payments. These staggered, annual goals give me enough thrill to keep me from being underwhelmed with our total investmen...
by specabecca
Mon Apr 02, 2012 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage or invest in taxable
Replies: 16
Views: 1546

Re: Pay off mortgage or invest in taxable

I'd go for the sure thing. Get rid of the debt. However, I'd be disinclined to do this on a monthly autopay option. Instead, I'd build the E-fund to 10 months, and upon reaching that landmark, send 2 months worth of e-fund to the mortgage. That way, if your comfort level dips and you find it hard to...
by specabecca
Fri Feb 17, 2012 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Romance -- Bad Finance (article)
Replies: 31
Views: 2952

Re: Bad Romance -- Bad Finance (article)

bungalow10 wrote:But yeah, the spender/saver threads are both creepy and funny. There was a doozy of one over on Fatwallet where the wife came in with her 2cents. The husband wasn't as much of a saver as he's like you to think :)


Can you link it?
by specabecca
Mon Feb 13, 2012 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put money: business loan, student loan, or mortgage
Replies: 33
Views: 2049

Re: Where to put money: business loan, student loan, or mort

Eliminate the student loans. They will follow you until you die, unlike the house and business. Spend 1-2k on yourself in a constructive fashion - maybe take a fancy cooking course, buy yourself high quality shoes that pay dividends at the end of the day, and/or have a dinner for friends with all th...
by specabecca
Wed Feb 08, 2012 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question - Rental Income, Adoption, Child Credit
Replies: 1
Views: 308

Re: Tax Question - Rental Income, Adoption, Child Credit

I can't speak to your adoption question, but wrt a rental property, I do not believe you require a professional. Frankly, I thought the same thing as you some years back when a rental property became part of our financial picture. I've been using a CPA for 5+ years and this year, in inticipation of ...
by specabecca
Wed Feb 01, 2012 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share Your Money-Saving "Secrets" Here
Replies: 110
Views: 11466

Re: Share Your Money-Saving "Secrets" Here

* Have a threshold for any new purchases for you and your spouse. If the cost is over X, you need both spouses to concur. Adding a gate to larger purchases reduces the quantity of those purchases, and increases their accuracy (e.g. price checking, brand preference, whatever). * Keep a small cash sta...
by specabecca
Tue Jan 31, 2012 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Building home in good school neighbourhood vs private school
Replies: 68
Views: 4210

Re: Building home in good school neighbourhood vs private sc

There is the risk that you will reap no benefit for your move. I know a family who did almost exactly the same thing, and as soon as their kids were ready to go to the school (next calendar year), a county wide 'economic diversification' mandate was instituded. Their kids were lotteried into a D rat...
by specabecca
Mon Jan 30, 2012 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Need recommendations to decorate new English Tudor house
Replies: 1
Views: 552

Re: Need recommendations to decorate new English Tudor house

Ah, I enjoyed reading your post and imagining facing just that sort of delightful problem. You and your spouse muts be tickled pink - I think I'd pop with excitement knowing I'd be moving in to such a home. A quick google images search turned up a few more options for you regarding external color ch...
by specabecca
Thu Jan 26, 2012 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: $683 for an office visit with a Physician Assistant?
Replies: 24
Views: 1189

Re: $683 for an office visit with a Physician Assistant?

Maybe call and talk to the office - explain that this is bizarre, explain what transpired in your appointment, and explain the duration. Perhaps all they need is to hear your perspective to realize that they crossed some wires and should have billed either another patient for that amount, or fat fin...
by specabecca
Thu Jan 26, 2012 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Saver V Spender 3: Fine-tuning & Negotiations.
Replies: 144
Views: 10054

Re: Saver V Spender 3: Fine-tuning & Negotiations.

Hecklers? Really? It's been a bit outside the box from the start - these threads, and yet each person who has responded has read your words and done what they thought would help - i.e. offer advice, try and point out things that the OP may have missed, etc, and for that - for doing exactly what was ...
by specabecca
Wed Jan 25, 2012 11:16 am
Forum: Personal Consumer Issues
Topic: 39 Dollar Glasses.com
Replies: 13
Views: 1834

Re: 39 Dollar Glasses.com

I have titanium frames and polycarbonate lenses. So far nothing broken. May be a consideration if in high "impact" situation. Lol.. thanks, thirdman. But see, there's the vain female in me too that wants to be able to change frames every now and then. If I got a forever pair, then where w...
by specabecca
Wed Jan 25, 2012 10:43 am
Forum: Personal Consumer Issues
Topic: 39 Dollar Glasses.com
Replies: 13
Views: 1834

Re: 39 Dollar Glasses.com

I used this service and received my glasses on Monday. They were a good 5-8 days overdue, depending on how you interpret their promises on their website. A friend of mine used this site 6 months ago and received 3 pair in 2-3 weeks. And since we are on the subject... The glasses from 39dollarglasses...
by specabecca
Wed Jan 25, 2012 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Saver V Spender 3: Fine-tuning & Negotiations.
Replies: 144
Views: 10054

Re: Saver V Spender 3: Fine-tuning & Negotiations.

Wow, OP, I hadn't really seen you through your wife's eyes until your most recent post illuminating your previous financial infidelities. I have newfound sympathy for her. This is how your story read to me: 1) you married with humble beginnings, but with a healthy future 2) she wanted to stay home, ...
by specabecca
Tue Jan 24, 2012 10:39 am
Forum: Personal Finance (Not Investing)
Topic: how much to give to my sister's wedding?
Replies: 30
Views: 6188

Re: how much to give to my sister's wedding?

My sister is only 22 and getting married this june. She has a baby coming. How much do I give? It would help if you stated your cultural background, any precedent that you feel is in effect, and what your general relationship is with this sister (i.e. she is warmly received in your life, asks for b...
by specabecca
Fri Jan 20, 2012 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - High Deductable Plan
Replies: 24
Views: 2036

Re: Health Insurance - High Deductable Plan

I'm glad to hear I've misunderstood things. Thanks!
by specabecca
Fri Jan 20, 2012 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Hacked -- how?
Replies: 62
Views: 8013

Re: Credit Card Hacked -- how?

I was wondering how people who are traveling overseas deal with this problem. Many travelers are highly dependent upon their credit card, and if their CC company spontaneously closes their account due to fraudulent activity while they are traveling overseas it could be a real pain. Well, currently ...
by specabecca
Fri Jan 20, 2012 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - High Deductable Plan
Replies: 24
Views: 2036

Re: Health Insurance - High Deductable Plan

My biggest concern is getting dropped if I do come down with cancer or something that will cost a lot of money over a long period of time. Well, there is no insurance out there that isn't above dropping you like a hot-potato once you've gotten sick (after their 1 year policy is expired), or increas...
by specabecca
Fri Jan 20, 2012 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Contracting pay rate
Replies: 17
Views: 2174

Re: Contracting pay rate

I think what's important here is if you have the desire to start going it alone or if you want to stay part of the corporate world. Reason being, it sounds like this is a lateral move. I haven't heard of IT consulting positions making the kind of money you make as a salaried position, either, but I ...
by specabecca
Thu Jan 19, 2012 9:07 am
Forum: Personal Consumer Issues
Topic: What's Your Favorite Username?
Replies: 89
Views: 4985

Re: What's Your Favorite Username?

HueyLD wrote:I like this thread started by sscritic so much that I changed my avatar to a theme that's more in line with my username. :sharebeer


This made me laugh. Thanks for sharing, HueyLD.
by specabecca
Mon Jan 16, 2012 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant with first baby, best book?
Replies: 37
Views: 2947

Re: Pregnant with first baby, best book?

I would also suggest not having any parental/family help for the first little bit of time. Help isn't needed and it is a very special time for you and your wife and baby. Something about having someone else there gets in the way. Holy cow - take this advice with a healthy grain of salt. I think my ...
by specabecca
Mon Jan 16, 2012 8:26 am
Forum: Personal Finance (Not Investing)
Topic: My tenants want me to put in a water softener system
Replies: 51
Views: 8047

Re: My tenants want me to put in a water softener system

Being a good landlord means that you honor your half of the contractual agreement with as much honesty, integrity, and fairness you can. This should translate to a rapid response time to any problems with the property, a backup property manager if you must leave town, and ensuring the premises are s...
by specabecca
Fri Jan 13, 2012 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Refi- worst experience ever!
Replies: 26
Views: 3238

Re: Refi- worst experience ever!

lightheir wrote:Its nuts but worth it to lock in these killer low rates.


This is what it really comes down to, I suppose. We're all eager enough to offer (seemingly) endless hours of paperwork headache because at the end of the day - we will profit from it for years to come.

Goodluck to you, Chad.
by specabecca
Wed Jan 11, 2012 8:27 am
Forum: Personal Consumer Issues
Topic: New Homeowner: Question about dealing with contractors
Replies: 15
Views: 1456

Re: New Homeowner: Question about dealing with contractors

Maybe I'm missing something, but I see no reason why anyone is signing any contract with unfavorable terms, or paying anything up front. I understand it is a custom order door, but so what? I'd be happy to pay for materials up front if I managed the transaction myself, but I sure wouldn't be giving ...
by specabecca
Tue Jan 10, 2012 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Saver v Spender 2--mention the (unmentionable) inheritance?
Replies: 51
Views: 6078

Re: Saver v Spender 2--mention the (unmentionable) inheritan

Inheritances are tricky to predict. Serious prolonged illness late in life can easily consume 1M, despite starting with the 'right' insurance. Said insurance policies are always subject to annual renewal and can have incredible annual premiums. In short, don't bother talking about it now. It's subje...
by specabecca
Mon Jan 09, 2012 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Paying off rental?
Replies: 8
Views: 1029

Re: Paying off rental?

Rentals are funny - some years they are headache free, rent like a dream, and you wonder why you don't have more properties. Other years, you think you were flat stupid to have put yourself in such a situation. The point is that rental income fluctuates, where as rental mortage/insurance/taxes are d...
by specabecca
Fri Jan 06, 2012 3:48 pm
Forum: Personal Consumer Issues
Topic: cut the land line with magicjack plus
Replies: 42
Views: 5184

Re: cut the land line with magicjack plus

So, ah, the literalist in me was hoping for some thoughts on the 'cutting the land line' process. How does one accomplish this? I have a seriously droopy telephone cable running to my house that I'd like dispensed with (inop for 7 years), but wonder who I even call to get that service completed. A h...
by specabecca
Wed Jan 04, 2012 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for teen?
Replies: 19
Views: 1757

Re: Credit card for teen?

Btw, I think I remember a few years back that they nixed - or greatly reduced - the credit worthiness benefit of adding someone to a CC. Maybe someone can clarify for you.
by specabecca
Wed Jan 04, 2012 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for teen?
Replies: 19
Views: 1757

Re: Credit card for teen?

I hear what you are saying ddunca, but I take issue with this comment: But at 13 or 14? No. It would just be giving them credit (no pun intended) they did not earn. For one to 'earn' credit, one has to value said credit. Credit worthyiness - as determined by some algorithm as written by a corporate ...
by specabecca
Wed Dec 21, 2011 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable Refinance closing costs?
Replies: 17
Views: 2083

Re: Reasonable Refinance closing costs?

I just refi'd an underwater rental property @3.5%, 15 year term. Closing costs (less escrow) were about 2.5k. Who were the lenders? Which state? - Porcupine Sorry for the slow response. Lender = Wells Fargo. State = FL. Wells Fargo had the original loan, so I refi'd using their 'streamlined' proces...
by specabecca
Mon Dec 19, 2011 1:00 pm
Forum: Personal Consumer Issues
Topic: It's December the 19th and the stores are over Christmas?
Replies: 12
Views: 1899

It's December the 19th and the stores are over Christmas?

This just blows my mind. This last weekend, my husband and I decided to spruce up our lights a bit and had to go to 3 different stores (home depot, then target, then walmart) to pick up 2 strands of lights, neither of which were what we were really looking for outside. The lights - at least in my ne...