Search found 2478 matches

by Pajamas
Mon Oct 16, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 40
Views: 2543

Re: Amazon Prime - Decline in Delivery Service?

Amazon is not only overworking the USPS, it is almost singlehandedly saving it from pension and service cutbacks, privatization, etc. as well. Package delivery is where they make the money. You should email your concerns to Amazon Executive Customer Service at jeff@amazon.com. Let them know that you...
by Pajamas
Mon Oct 16, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Issue freezing credit reports with 2 out of 3 credit reporters. Help????
Replies: 3
Views: 239

Re: Issue freezing credit reports with 2 out of 3 credit reporters. Help????

Yes, call TransUnion and give them your social security number and whatever other demographic information they ask you for so they can identify you. The person in India already has that information available to them on file and it was also compromised in the Equifax hack so the bad guys already have...
by Pajamas
Mon Oct 16, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 40
Views: 2543

Re: Amazon Prime - Decline in Delivery Service?

Monday Update: * Two separate Amazon parcels guaranteed for today delivery. * Both shipped via USPS. * Both arrived at Post Office on time this morning. * Neither left the post office; neither was delivered. * After 8 pm, I'll send an email to Amazon expressing delay frustration. * Amazon will cont...
by Pajamas
Mon Oct 16, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 55
Views: 4291

Re: Car Buying, Time to grow up.

I thought there was some good advice in this thread: https://www.bogleheads.org/forum/viewtopic.php?p=3574925#p3574925 This post especially for you as far as payment method and ensuring that they honor the agreed price: I stated that I was paying cash, and would bring a cashier's check, thus there i...
by Pajamas
Mon Oct 16, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Meaning of "Todays Dollars"
Replies: 1
Views: 233

Re: Meaning of "Todays Dollars"

Social Security uses similar language when estimating your benefits. What "today's dollars" means is that the actual amount that you will receive in the future will be adjusted higher for inflation so that it has equivalent purchasing power to the stated amount currently. $2,000 ten years from now i...
by Pajamas
Mon Oct 16, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 65
Views: 3956

Re: What do you buy in Asian food stores?

I don't regularly buy groceries at an Asian market because it is not convenient, but I used to because it was on my way to and from work and I still do when I am in the neighborhood. There are two primary benefits: cheaper prices on items you already buy elsewhere and being able to buy items that ar...
by Pajamas
Mon Oct 16, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Buying men's suits ebay/online
Replies: 6
Views: 491

Re: Buying men's suits ebay/online

Another consideration with anything "used" (eBay, consignment shops) is that you should be careful about whether the styling is very outdated, such a extremely wide lapels, and also the fit/fullness of the trousers (plus, "pleated or flat", which are partly a personal preference, but also come in a...
by Pajamas
Mon Oct 16, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 33
Views: 2514

Re: Trash dumped on curb (need advice)

I never realized how annoying it was until I lived in an HOA community. I figured it would be a complete non-issue, until I saw it in action. I have neighbors who have gotten threatening notes because *gasp* their mailboxes weren't straight enough or *horrors* they had grass growing in driveway cra...
by Pajamas
Mon Oct 16, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Buying men's suits ebay/online
Replies: 6
Views: 491

Re: Buying men's suits ebay/online

You can't do that unless you already know exactly what size you need and that is particular to the label and even a particular label's individual lines. I do buy clothing online, but shoes and suits only if I already have or at least have tried on very similar items (definitely the same brand and fi...
by Pajamas
Mon Oct 16, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 29
Views: 1340

Re: contributing to friend's non-profit?

stoptothink wrote:
Mon Oct 16, 2017 11:17 am
I worked for two of them. I refuse to work in the NPO world anymore strictly for this purpose. Even if they start out with good intentions, my 8yrs of experience in the field suggests that it changes.
"NO MARGIN, NO MISSION!!!!"
by Pajamas
Mon Oct 16, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 33
Views: 2514

Re: Trash dumped on curb (need advice)

I think an apartment/condo is a different story. I'm talking solely about HOAs in single family home communities. It seems to me they exist as a way to justify the actions of nosy neighbors who think they know better than you. I disagree. I have friends on the west coast who live in a neighborhood ...
by Pajamas
Mon Oct 16, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 33
Views: 2514

Re: Trash dumped on curb (need advice)

It isn't easy in some places to find property that is NOT governed by an HOA. I know that personally, I will never again live in an HOA community if/when I move again. I would not want to live in an apartment that didn't have a good board and management that intervened when other residents do thing...
by Pajamas
Mon Oct 16, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1109

Re: Employer Listens To Brokerage Calls?

All brokers record all calls with customers, as far as I know. It serves similar purposes to the cameras in casinos that record play at blackjack tables or the records kept by all sorts of professionals. It is very unlikely that someone in your office accessed those calls but anything you do at work...
by Pajamas
Mon Oct 16, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 33
Views: 2514

Re: Trash dumped on curb (need advice)

HOA's do not exist to be useful. They are a way for a minority of homeowner's to control their neighbors and a source of harassment and taxes. How true. Well said. My personal experience is that HOAs and similar can protect the majority of homeowners from the selfish and sometimes illegal behavior ...
by Pajamas
Mon Oct 16, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 41
Views: 2530

Re: Bonus pushed back - should I be annoyed?

I would keep your annoyance to yourself at work. As an employer I would find it irritating that an employee was complaining about the timing of a "bonus." I don't like it when they get uppity, either. In fact, I think employees who complain should not be employed at all. If they want to remain empl...
by Pajamas
Mon Oct 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 29
Views: 1340

Re: contributing to friend's non-profit?

I doubt the IRS would give them non-profit status if the organization's goals were to give jobs to certain people. In an ideal world, that would be true, but this is not an ideal world. Non-profits created and managed for selfish rather than truly charitable purposes have even been front page news ...
by Pajamas
Mon Oct 16, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 41
Views: 4557

Re: Is Florida Over, 2017

Bogleheads: I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level. What has risen is property value and taxes. Best wishes. Taylor Your subjective evaluation of sea levels in the Miami area is not in accord with objective scien...
by Pajamas
Mon Oct 16, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 41
Views: 2530

Re: Bonus pushed back - should I be annoyed?

I don't think you have grounds to be irritated about the reasoning for the alignment of the timing of the bonus payment if it is genuine, but you do you have grounds to be irritated that other benefits are not equivalent, in that context. If they are just using it as an excuse to delay your bonus, t...
by Pajamas
Mon Oct 16, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 29
Views: 1340

Re: contributing to friend's non-profit?

I'm ambivalent about this notion, on one hand, it's not fair to expect people to run nonprofits and not be compensated. On the other hand, I feel as if our friendship is being monetized. A contributing factor to my feeling is the receipt of the impersonal, form email. In my shoes, would you contrib...
by Pajamas
Mon Oct 16, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 40
Views: 2543

Re: Amazon Prime - Decline in Delivery Service?

I've seen just the opposite. Orders seem to be arriving faster than they used to. I have even seen a couple of same-day deliveries that weren't supposed to be same-day. One factor is that the US Postal Service is delivering the majority of Amazon packages to me at this point and they now have a morn...
by Pajamas
Mon Oct 16, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1397

Re: First Post (gulp) - Request for Advice on selling inherited home

It sounds like you don't have time to deal with the house and its contents. If you can sell it to someone who will take care of everything and get almost what you would if you took care of everything yourself, it might be worth it to go that route. A 6% commission for the real estate agent on a $300...
by Pajamas
Mon Oct 16, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 29
Views: 4120

Re: Thinking we are close to winning the game

I think you should be cautious because you don't have a good idea of your current spending, much less your future spending. Plus you have large but inexactly known education expenses upcoming and it is a full six years or more before your youngest starts. You need to take a hard look at your spendin...
by Pajamas
Mon Oct 16, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 41
Views: 4557

Re: Is Florida Over, 2017

Florida is not over, but I would seriously consider the location before buying a house or apartment there or anywhere else that is subject to frequent floods or other natural disasters, erosion, etc. I would not consider buying a house in a likely flood zone unless it were elevated nor would I consi...
by Pajamas
Sun Oct 15, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3659

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

HornedToad wrote:
Sat Oct 14, 2017 11:30 am

Only on Bogleheads is following the law considered selfish behavior.
Many things that are not illegal are selfish. Most people place constraints or limits on their behavior other than the law.
by Pajamas
Sun Oct 15, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 33
Views: 2514

Re: Trash dumped on curb (need advice)

ending shortsale online) 2. Do I call the HOA association, do I call the zoning commission or garbage people? Just let the HOA know that there is a problem. If they can't take care of it, they might be able to tell you which department of the local government can help. Otherwise, say if the HOA doe...
by Pajamas
Sat Oct 14, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6262

Re: Asking for discounts

I sometimes ask if I get a free gift for spending more than $40 or whatever even amount is just below what I spent. It's good for a laugh with the cashier. :beer
by Pajamas
Sat Oct 14, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3659

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

LarryAllen wrote:
Fri Oct 13, 2017 7:52 pm
However, I personally would refuse to do business with someone that wouldn't talk to me while driving.
That's very self-centered as it not only endangers yourself but also others. I hope that people just hang up on you when you insist that they be complicit in this selfish behavior.
by Pajamas
Sat Oct 14, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2043

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

Under COBRA, you're paying the total cost of coverage (your usual payment while employed + the amount your employer contributed) + a small service fee. If you get new employment, presumably the new employer would probably contribute to the cost of coverage they provide. There is no way to make a dec...
by Pajamas
Fri Oct 13, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3659

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I flat-out refuse to talk to people who are driving and did so when I was working. The issue of liability never crossed my mind, but the thought that they might have an accident and be injured or killed or cause someone else to be injured or killed while I was talking to them on the phone did. I wou...
by Pajamas
Fri Oct 13, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5408

Re: Help me understand what happen with the new law and ACA subsidies

Unless one is ill, I think many under 65 will be able to find some type of job with medical coverage. I think employer funded health care is far superior to Medicare. That would most certainly depend on whether or not one's employer funds health care (or partially, as most lower-paid employees must...
by Pajamas
Fri Oct 13, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1710

Re: Earplugs that work on low frequency noise?

I've used the disposable foam earplugs by AOSafety. These yellow plugs are rated NRR 29dB and work fantastically for blocking out low-frequency noise. And I mean they really really work. The hardware store then shifted to the 3M earplugs, similarly rated. I've found these orange plugs to be less ef...
by Pajamas
Fri Oct 13, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5408

Re: Help me understand what happen with the new law and ACA subsidies

Not a law, just an executive order from the White House; only Congress can pass legislation. It is too soon to know exactly how it will affect you. The subsidies were paid to the insurance companies, and they already knew this might happen. It shouldn't affect you for 2018 at all. The timing of the ...
by Pajamas
Fri Oct 13, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 17
Views: 1085

Re: How does the medical billing system work?

This applies even to my dental plan. With the dental plan the cost of crowns is less than the street price, even if the plan's limit has been reached and I'm paying for the crown out of pocket (this has happened once or twice, perhaps it is not customary for the dentist to follow this approach?). B...
by Pajamas
Fri Oct 13, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1710

Re: Earplugs that work on low frequency noise?

We do own. One complication with that is there is a juliet balcony outside the master bedroom, with a large sliding glass door. Soundproofing that may not be viable. Do those sliders have double (insulated) glass? How much air leakage is there around and between them? Anywhere air can go, sound can...
by Pajamas
Fri Oct 13, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Itemized Tax Deductions
Replies: 10
Views: 551

Re: Itemized Tax Deductions

I just finished my 2016 tax return (yes, I tend to always file an extension). I'm 43 and wife is 47. We solidly in the 25% tax bracket and our itemized deductions were only $12,618, a whopping $18 over the standard deduction for married filing jointly couple. • We are close to paying off our house ...
by Pajamas
Fri Oct 13, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1710

Re: Earplugs that work on low frequency noise?

I use a combo of white noise from a mechanical fan and a recording of rain intended for that purpose plus foam ear plugs and it takes a lot to disturb my sleep. However, if there is loud noise nearby, you will probably still hear it. I use the 3M classic E-A-R plugs because they fit my ear canals we...
by Pajamas
Fri Oct 13, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Monthly USD to CDN conversion
Replies: 2
Views: 161

Re: Monthly USD to CDN conversion

Hello forum! I have to convert USD to CDN every month to pay for my loan in Canada. I have US TD bank and CDN TD bank. I have been, for past few months, just calling TD bank and they would do the transfer for me. I am sure there is a fee associated with this built into their exchange rate. I have t...
by Pajamas
Fri Oct 13, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1177

Re: Building additional garage - recommendations?

Agree with including a bathroom or at least rough plumbing for a bathroom and kitchen sink. Then if your kids fail to launch, you can move them in there and not have to deal with them except when they get hungry. :beer
by Pajamas
Fri Oct 13, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Can someone help me find a mattress topper?
Replies: 5
Views: 452

Re: Can someone help me find a mattress topper?

Hello, I'm looking for a mattress topper, but I have some specific requirements for it. Here they are: 3-4 inches thick and 5 pounds in density (if latex/memory foam). I wake up every morning with bad back and neck pain, so I would also like to to be medium-firm. I sleep hot every night as well, an...
by Pajamas
Thu Oct 12, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1397

Re: Does IRS have equivalent of credit freeze?

Curious how tax-filing fraud is ever possible? The impostor not only needs your identify info, but also W-2, dividend, capital gain/loss, mortgage payment, etc., etc? Why would they need all that other information? They're not trying to file an accurate return, they're trying to file a return that ...
by Pajamas
Thu Oct 12, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Countertop refinishing
Replies: 7
Views: 1061

Re: Countertop refinishing

Thanks Peratio. We have some split seams and cracking. And the integral sink bowls are scratched up. The product is a fairly thin solid, say 1/4" or so, bonded to a wood substrate. It's probably a cheap alternative to Corian etc. We have tried to find someone to repair it but have completely struck...
by Pajamas
Thu Oct 12, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2301

Re: Going First Class

Maybe that handbag was fake? Or maybe it was because you were taking public transportation when you could obviously afford not to do so?
by Pajamas
Thu Oct 12, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 49
Views: 5721

Re: How young is too young to retire.

It may help you and your wife to think in terms of being financially independent rather than in terms of working or retiring as they can be completely separate. Once you are financially independent, you don't have to exchange your time and effort for money, but you can if you want to. It's not hard ...
by Pajamas
Thu Oct 12, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon survey scam
Replies: 4
Views: 750

Re: Amazon survey scam

Amazon sends legitimate surveys with gift card rewards and sometimes as screening for sampling products.

https://www.amazon.com/gp/help/customer ... =200896290
by Pajamas
Thu Oct 12, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3628

Re: Pro and cons of the Prime offer by Amazon.......

Anyone tried "Wickedly Prime", Amazon's snack food brand? https://www.amazon.com/s/ref=nb_sb_noss/137-2100392-5512454?url=search-alias%3Daps&field-keywords=wickedly+prime Yes and the Happy Belly brand from Amazon, too. https://www.amazon.com/Happy-Belly/pages/14394503011 Amazon does have them at go...
by Pajamas
Thu Oct 12, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 811

Re: Driver's License Number in regards to Equifax Breach

I don't think you are issued a new number. The government is just confirming your identity under stricter standards before issuing a license that is harder to forge. I still don't see how you getting one would prevent identity theft, although it might reduce identity theft if organizations require t...
by Pajamas
Thu Oct 12, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 811

Re: Driver's License Number in regards to Equifax Breach

How does getting a "Real ID" driver license protect you from identity theft? My understanding is that it is just a driver license issued to minimum security standards. It might be more difficult for an identity theft to get an official driver license by impersonating you, but it doesn't prevent them...
by Pajamas
Thu Oct 12, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Corporate wellness program earnings deducted from paycheck
Replies: 7
Views: 733

Re: Corporate wellness program earnings deducted from paycheck

Sounds like there was an error made on the paycheck or you are misinterpreting it. Items like that are usually added to your income as you owe taxes on them. Seems like your paycheck should have been almost $30 more, specifically $30 less withholdings on the $30.
by Pajamas
Thu Oct 12, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 1303

Re: Anyone else using HTTPS Everywhere or similar?

I use it. No real problems that I can recall.
by Pajamas
Thu Oct 12, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 34
Views: 5784

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

A flooded house might only be worth 40% of what it was worth before, maybe even less. Could be that only the land itself is worth anything and even the land might be worth significantly less than it was worth before the flood, if it hadn't flooded previously.