Search found 76 matches

by Laren
Fri Jan 10, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Locked Amazon account, what to do?
Replies: 8
Views: 1430

Re: Locked Amazon account, what to do?

I wouldn't rush to open a new account. If Amazon figures out that it's related to you, they may well freeze it also and refuse to reinstate either account because you tried to go around them.
by Laren
Sat Aug 31, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: is health coverage overlap bad?
Replies: 4
Views: 593

Re: is health coverage overlap bad?

I think that once you start group health insurance with a new employer, you're not eligible for COBRA anymore, so you wouldn't be able to overlap in that case. In my state, the ACA plans are seriously inferior to group health insurance plans because the provider networks are tiny. The coverage may b...
by Laren
Fri Jun 21, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finding family health insurance before 65 (individual, not group)
Replies: 15
Views: 822

Re: Finding family health insurance before 65 (individual, not group)

If the company is too small for Federal COBRA, check into your state's COBRA laws. Many states have passed their own laws extending COBRA to smaller employers. This might let you stay on the group plan for the full 18 months, or possibly longer. When my COBRA was running out, I went to my state's Co...
by Laren
Thu May 30, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Resume / CV writing services?
Replies: 10
Views: 1086

Re: Resume / CV writing services?

Check out www.askamanager.org. It's a daily blog with a lot of good advice about resumes, interviewing, and work in general. A couple of relevant posts: "Are professionally done resumes worth it" https://www.askamanager.org/2016/02/are-professionally-done-resumes-worth-it.html "How to write a resume...
by Laren
Tue Apr 30, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: 100 year old mineral rights, what are capital gains issues
Replies: 4
Views: 693

Re: 100 year old mineral rights, what are capital gains issues

I'd consider keeping them, especially since they're actually producing. I don't think there's any cost to owning them (I'm assuming she doesn't own the associated land), except paying property taxes on the rights and income taxes on the royalties. Presumably the royalties are more than the taxes, so...
by Laren
Tue Apr 23, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating copay assistance programs - very expensive drugs
Replies: 7
Views: 591

Re: Navigating copay assistance programs - very expensive drugs

I'm on a copay assistance program for a very expensive drug - this copay assistance offers up to $11,000 per year of help. The drug is covered by my insurance; it's just really expensive (one of the injectible biologic drugs). The main thing is just to read the fine print. For mine (and I think a lo...
by Laren
Tue Feb 26, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6955

Re: $5000 water bill-Help!

While you're checking things, also be sure to check your water heater, dishwasher, washing machine, sprinkler system, sinks, etc. for leaks. I had a water heater cost me about an $800 water bill - it was leaking, but somehow it managed to leak water down the tiny pipe for condensate instead of onto ...
by Laren
Mon Jan 07, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 5178

Re: How to save on prescription drug costs?

If you're on any expensive drugs, check with the manufacturer for a "copay assistance program". I take one drug with a $60 copay, and the assistance program brings it down to $10 for me. It's not need-based either - you just have to download the form from the manufacturer's website and give it to th...
by Laren
Mon Jan 07, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Help with Spam Phone calls: Non-Smart phone
Replies: 9
Views: 563

Re: Help with Spam Phone calls: Non-Smart phone

For 50-100 spam calls daily, I'd get a new phone number. But at the same time, any chance she could get a smartphone along with the new number? She could get an older, less expensive one since it sounds like she wouldn't be looking for the latest and greatest. She wouldn't have to use all the smartp...
by Laren
Fri Jan 04, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Phone concierge service for seniors?
Replies: 17
Views: 1704

Re: Phone concierge service for seniors?

See if nomorobo is available for her phone line. I get my phone service through my cable company, and they offer it. It screens out known robo and spam calls. It won't do everything you want, but would at least help cut down on the junk calls she's getting. It keeps a blacklist of spam callers, so i...
by Laren
Thu Jan 03, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant CU 3/2.5% Visa application process
Replies: 18
Views: 1528

Re: Alliant CU 3/2.5% Visa application process

Alliant wanted a copy of my tax return in order to complete my application for the credit card. They initially said they needed all of it, but I talked them down to just the first couple of pages. Customer service for the credit card is outsourced, and it can take forever to get through to a human o...
by Laren
Sat Dec 15, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Sports illustrated subscription, how to avoid auto renew
Replies: 15
Views: 1470

Re: Sports illustrated subscription, how to avoid auto renew

I've used a virtual credit card number with a short expiration date on subscriptions that look hard to cancel, and that's worked to prevent them from auto-renewing. Paying with a gift card sounds like an even more certain way to prevent subscriptions from auto-renewing.
by Laren
Mon Dec 10, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car totalled - amex insurance issue
Replies: 25
Views: 4476

Re: Rental car totalled - amex insurance issue

I thought it's automatic your fault if you drive into a flooded road. I think you dodged a bullet there and having 90% paid by AMEX. Insurance often pays for things that are your fault. Yes, I don't think "fault" is a reason they'll deny a claim. I looked at the sample description of coverage (the ...
by Laren
Mon Dec 10, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car totalled - amex insurance issue
Replies: 25
Views: 4476

Re: Rental car totalled - amex insurance issue

I'd go back to Amex and climb as high on the food chain as you can. Let Amex know that Avis is billing you, presumably after Amex has paid them. It seems to me that Amex shouldn't have paid Avis without Avis agreeing (in writing) that their payment satisfied the claim. Maybe Avis did agree to that, ...
by Laren
Tue Dec 04, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 9371

Re: Is this normal for an HOA?

I've lived in a couple of different single family detached home subdivisions, and my HOAs have only ever asked for owner name(s), phone number and email for the HOA directory. They send out all notices and meeting minutes by email now to save money, so providing an email makes sense to me. Phone num...
by Laren
Tue Sep 25, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 9238

Re: Someone stole my check from the mail, changed the amount, and deposited it

You can pay federal estimated taxes electronically directly from your bank account. Go to https://www.eftps.gov/eftps/ and sign up. You can set up automatic payments, or initiate each payment yourself. It's worked really well for me. My state also has a way to pay online - check out your state's Dep...
by Laren
Tue Sep 25, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Uniters “worry no more” furniture warranty added to price without me knowing
Replies: 9
Views: 940

Re: Uniters “worry no more” furniture warranty added to price without me knowing

I'd want to cancel the order and shop elsewhere, but first make sure that the order isn't subject to some nonrefundable deposit, restocking fee or other penalty. Given their deceptive practices, I could see them trying to keep part of the money even though they say the order is cancelled.
by Laren
Sun Jul 01, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Experienced with Credit Card Fraud ? Need Advice
Replies: 21
Views: 2418

Re: Anyone Experienced with Credit Card Fraud ? Need Advice

Is it actually true that if you file a police report and identify the thief, your bank will no longer cover the loss on a debit card? Or is USAA covering the loss as a courtesy and it's USAA policy that they'll withdraw the courtesy if you identify the thief? I could see them saying that if you get ...
by Laren
Thu May 17, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 6606

Re: somebody is using our address

I would definitely have your mail held at the post office for a couple of weeks at least, or until the mail and packages for this guy stop coming. You can pick up your mail every day if you want but continue the hold. If you cut him off from receiving his packages, then I would think he'd move on. I...
by Laren
Fri May 04, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 23875

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

It's entirely possible that they're not so disorganized and this is just their way to try to pressure you into fixing this for them by finding a cosigner. They're acting like it's an emergency that only you can fix, when it's really a problem that they created by not reading your husband's credit re...
by Laren
Sat Apr 21, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 8662

Re: Settlement Offer -- Accept or Wait?

I'm glad you're waiting - I'd wait at least a couple months just to make sure you really have all of the medical bills, especially with an ambulance ride and an ER visit involved. I could easily see some trailing bills from the ER visit. Maybe the hospital can tell you its total bill within a week, ...
by Laren
Tue Apr 10, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Question?
Replies: 22
Views: 1649

Re: Gift Tax Question?

I'm no expert, but if you end up depositing actual cash money, I might consider splitting it into 2 deposits to clarify that one is from your father, and one is from your stepmother. Of course then you'd have 2 cash deposits over 10,000, but it wouldn't be structuring because you wouldn't be avoidin...
by Laren
Sun Mar 11, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: DW lost wedding ring -- file police report?
Replies: 28
Views: 3699

Re: DW lost wedding ring -- file police report?

I think checking the sink trap is a great idea. Also, would the gym let her put up a sign by the sink in the locker room saying "if anyone has found a ring please call xxx-xxxx" ? Maybe someone found the ring who was reluctant to turn it in to Lost & Found, but would want to return it directly to th...
by Laren
Sun Dec 17, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 10157

Re: New job offer - background check

Do not give notice until you have your written, confirmed offer in hand. You do not currently have a start date, you have a tentative start date because you don't even have the offer in writing yet. Sometimes the written offer will be a bit different from the verbal offer for whatever reason - some ...
by Laren
Thu Dec 07, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 2297

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by Laren
Tue Dec 05, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Disputing a charge against an auto repair shop, should I give them another chance to make it right?
Replies: 17
Views: 5487

Re: Disputing a charge against an auto repair shop, should I give them another chance to make it right?

It sounds like you have tried to work this out with them, so I wouldn't feel bad about filing the chargeback. I wouldn't bother with the manager again - he's made his position clear. If you have contact information for the owner, I would go that route. I also wouldn't go in proposing a compromise; I...
by Laren
Thu Nov 30, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Number Asked for use of POA by Credit Card Company
Replies: 14
Views: 1738

Re: Social Security Number Asked for use of POA by Credit Card Company

There are definitely credit cards that will let you cancel online, so it's worth a try. If you can't find an obvious way to cancel online, try requesting the cancellation via whatever secure messaging system the credit card's website has. If you're unable to find a way to cancel the card, I'd still ...
by Laren
Wed Nov 29, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Number Asked for use of POA by Credit Card Company
Replies: 14
Views: 1738

Re: Social Security Number Asked for use of POA by Credit Card Company

I wouldn't want to give them my SSN either. As a stopgap, maybe you could call and report the card lost or stolen so they deactivate the card number, and then never activate the replacement that they send. It's not the same as closing it, but it might help limit any unauthorized activity on the card.
by Laren
Sun Nov 19, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 22444

Re: Dave Ramsey says don't use credit cards, even if you pay them off

The real test is determining what is true for you personally. If you're intrigued by the idea, go cash only for 3-6 months, track it, and see if there's a meaningful difference in your spending. FWIW, I find it much easier to track my spending when I use credit cards because I balance my statements ...
by Laren
Mon Oct 30, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 17381

Re: Request for Promotion letter to Senior Management

If the purpose of the letter is to document your request, then I think a much more effective approach would be to have a meeting first , and then follow up the meeting with a letter or email documenting your discussion. This way you go in much stronger with a meeting first (the letter seems like a m...
by Laren
Mon Oct 23, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 56781

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I'm north of 1 million, and I do use an advisor. I'm paying considerably less than 1% though - closer to 0.25%. I'm in index funds (primarily DFA), and because my account is almost completely taxable, muni bonds. For me, the biggest stumbling block to doing it all myself is the bond side. My portfo...
by Laren
Mon Oct 23, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 56781

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I'm north of 1 million, and I do use an advisor. I'm paying considerably less than 1% though - closer to 0.25%. I'm in index funds (primarily DFA), and because my account is almost completely taxable, muni bonds. For me, the biggest stumbling block to doing it all myself is the bond side. My portfol...
by Laren
Sun Oct 08, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 2584

Re: Chase credit card question

Seems like it might be easier for H1 to just apply for a new credit card of his own, and close out the Chase card rather than trying to keep it. Especially since Chase has been problematic in the past.
by Laren
Sun Oct 08, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 2353

Re: What do you do with your empty inkjet cartridges?

Seconding Office Depot/Max. They'll give $2 per cartridge, up to 10 cartridges per month. You get Office Depot "Rewards" rather than cash, but I like office supplies so it's not hard to spend. I think you do have to spend $10 or something in the same month that you recycle the cartridges in order to...
by Laren
Sun Sep 17, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 61573

Re: USAA 2.5% Cash Back Credit Card

Not showing for me yet either, but it is the weekend. I'm still holding out hope that it will start showing up tomorrow.
by Laren
Thu Sep 07, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 61573

Re: USAA 2.5% Cash Back Credit Card

Yay! I've been waiting on this card, and it's been so long since they've added any states I was afraid it had just fizzled out. I got the Alliant card instead in the meantime - for the first year it's 3% and beats the USAA card, but long term I think the USAA card is better because after the first y...
by Laren
Mon Sep 04, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 3254

Re: Denied for Citi Double Cash, but no record of application?

If you have an existing card at Citi bank that you don't use, just do a product conversion. When I considered doing a product conversion at Chase, I found out that it would not have qualified for the initial bonus. Excellent thought to keep in mind for most cards, but there isn't a sign-up bonus fo...
by Laren
Mon Sep 04, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 18
Views: 3254

Re: Denied for Citi Double Cash, but no record of application?

I wonder if the reason they have no record of your application is because it didn't process correctly from some kind of system glitch when you submitted it, and that's also the reason for the rejection. Maybe it only sort of halfway processed but was incomplete and therefore triggered a rejection no...
by Laren
Wed Aug 02, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card options??
Replies: 18
Views: 3508

Re: Best credit card options??

Alliant Credit Union has a Visa card that is 3% back and no annual fee for the first year, then 2.5% back and $59 annual fee subsequently. You do have to open an Alliant account so that you're a member of the credit union, but that's easy to do online. For at least the first year, it's the best cash...
by Laren
Thu Jun 22, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 209
Views: 27262

Re: Trust Services

I'm saying that if you must use a corporate trustee, give your beneficiary the explicit ability to remove them. Don't tie them to a specific corporation forever because a corporate trustee can be (or become) just as bad or worse than any other trustee, and you can't assume any trustee will just grac...
by Laren
Thu Jun 22, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 209
Views: 27262

Re: Trust Services

Unfortunately it was my experience that one corporate trust company preferred to hang on to the assets and ignore any communications from the beneficiaries rather than resign. And then even when we were lucky enough to be able to remove them as trustees, we still had to go to court to have a judge m...
by Laren
Thu Jun 22, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 209
Views: 27262

Re: Trust Services

I'll add my 2 cents on trust companies. Please, please build in a way for the beneficiary to remove/replace a corporate trustee. Even if you've chosen the best trust company in the world, things change, companies change hands, corporate philosophies change, company personnel changes. If the benefici...
by Laren
Wed Jun 21, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Insurance snafu with sewer line break at condo
Replies: 31
Views: 7829

Re: Insurance snafu with sewer line break at condo

This doesn't sound like a flood claim - this sounds like a pretty textbook sewer backup claim. And you do need a specific rider on your policy to have it covered, so make sure you do going forward. When you talked to your insurance company or agent, it sounds like they heard the word "flood" and sto...
by Laren
Mon Jun 19, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 3647

Re: Trying to save money on prescription drug

The trouble with a lot of the asthma inhaler medications right now is that there are no generics for them. Manufacturers had to change their inhalers to stop using CFCs as a propellant, and as a result got all new patents. So even an inhaler with just a boring steroid that's been around forever is s...
by Laren
Tue Jun 13, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 4286

Re: Employee theft - How best to proceed

You didn't want to damage the reputation or future prospects of an employee who was stealing from your patients? I think you need to stop seeing this employee as some kind of friend who needs protection. It's your patients who need protection. I think a visit to the police is in order (and should ha...
by Laren
Tue Jun 13, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Any Opticians or Optometrists out There? New Eyeglasses
Replies: 3
Views: 1069

Re: Any Opticians or Optometrists out There? New Eyeglasses

Take your new glasses to an optometrist/good eyeglass shop and have them read the prescription in them for you. They can read the prescription from the glasses and see if it matches the prescription you got from the doctor. It's possible that the glasses were not made correctly. I had a pair where o...
by Laren
Sat Jun 10, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Fence Dilemma
Replies: 31
Views: 4585

Re: Fence Dilemma

I'd touch base with your neighbor and say, "I've noticed the fence we share is really in need of replacing - would you mind if I go ahead and do it? I'm thinking of replacing it with (whatever)." I wouldn't ask for any reimbursement, but I would talk with her before actually replacing it since she d...
by Laren
Sat Jun 03, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 17
Views: 2775

Re: Do I need umbrella insurance?

Yes. Get the umbrella.
Hopefully you won't end up using it, but that's true of all insurance. Keep in mind that it could protect your future earnings as well as your current net worth against a large judgment. I'd get at least $1 million in coverage, and consider $2 million depending on the cost.
by Laren
Mon Apr 03, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 12156

Re: Weird house buying experience

I think what a lot of people are saying is that building a house is a marathon, not a sprint. Issues like this are going to arise repeatedly in the course of building your house - unexpected expenses, changes, misunderstandings. You need to be able pick your battles carefully or you'll go insane. If...
by Laren
Fri Jan 20, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 61573

Re: USAA 2.5% Cash Back Credit Card

Still waiting for this card to come to my state - hope it's soon! I'm also really hoping that if I set up a regular transfer from Fidelity or Schwab that it will fulfill the direct deposit requirement. Has anyone tested that out yet?