Search found 394 matches

by z91
Tue Sep 17, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Insurance Issues - suggestions?
Replies: 16
Views: 909

Re: Insurance Issues - suggestions?

FWIW I have a kiddo with Autism (now 7) who had a bunch of cavities when he was younger. He was deathly scared of the dentist and we ended up paying out of pocket for the anesthesia. The anesthesiologist was one that worked with the dental office doing it monthly, and IIRC we paid ~$1k for it. They ...
by z91
Sun Sep 15, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Finding discontinued tile or stain existing tile?
Replies: 10
Views: 505

Re: Finding discontinued tile or stain existing tile?

I've had this problem before and it's really difficult. I actually brought a broken tile to the local supply center (not a chain) and they allegedly recognized the pattern but told me it had been discontinued. I ended up buying the closest pattern I could find and replacing it with that. When I dec...
by z91
Fri Sep 13, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 5802

Re: Whistleblowing / Going Rogue at Work

Not worth it. I know someone that sent an anonymous email to an interviewee telling them the project was in shambles and not to join.

They ended up joining a competitor, and the email was forwarded to the hiring manager and their boss. They found out who sent the email and immediately terminated him.
by z91
Fri Sep 13, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Finding discontinued tile or stain existing tile?
Replies: 10
Views: 505

Re: Finding discontinued tile or stain existing tile?

I've had this problem before and it's really difficult. I actually brought a broken tile to the local supply center (not a chain) and they allegedly recognized the pattern but told me it had been discontinued. I ended up buying the closest pattern I could find and replacing it with that. When I deci...
by z91
Fri Sep 13, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 2927

What dish soap do you use?

When I was growing up, I'd help my mom with the dishes. With 1-2 drops of Palmolive, soap suds galore and we were good for 15-20 mins of scrubbing. I know a few years back there was some chemical change, but I'm very disappointed with how dish soap works nowadays. I use a small pump at home and pump...
by z91
Tue Sep 10, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10802

Re: Did I commit a tipping faux pas?

Yay monthly tipping thread :sharebeer
by z91
Fri Sep 06, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 6873

Re: Mensa membership

Trolling has peaked. That's all folks.
by z91
Thu Sep 05, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you have disability insurance?
Replies: 37
Views: 1782

Re: Do you have disability insurance?

There may be a misunderstanding in the OP. Disability insurance is not for getting injured on the job - that’s workers compensation. DI is for when a person becomes disabled for nearly any reason and is then unable to work. Cancer, stroke, Lyme disease, hunting accident, fall off a ladder, etc. I d...
by z91
Wed Sep 04, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have disability insurance?
Replies: 37
Views: 1782

Re: Do you have disability insurance?

Thanks all. I suppose I should pull some quotes and give this some thought. I hate having risk in my life and disability is fairly high risk it looks like.
by z91
Wed Sep 04, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have disability insurance?
Replies: 37
Views: 1782

Re: Do you have disability insurance?

Admittedly I haven't looked into this that much, but is disability insurance portable? If say you have a good plan through work can you keep it if you leave? I know for life it's not (at least for most cases I've heard of) so getting your own plan can be cost prohibitive once you leave, which is why...
by z91
Wed Sep 04, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Geico vs Geico Insurance Claim. Can someone shed some light?
Replies: 6
Views: 901

Re: Geico vs Geico Insurance Claim. Can someone shed some light?

I would just be patient. I have Geico and my wife was rear ended by a Geico insured driver. They paid out fairly quickly, presumably because the other driver admitted fault to them. We got a quote to repair at a Geico collision center and they gave us a fair deal. We got a check not long after and c...
by z91
Wed Sep 04, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have disability insurance?
Replies: 37
Views: 1782

Do you have disability insurance?

I am going through the motions of getting term life, and in the process my agent recommended disability insurance. I immediately figured it was an up-sell so I quickly declined (it was never brought up again), but is there a consensus on this? I work in an office environment and for the most part si...
by z91
Wed Aug 28, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: MIL's condo flooded due to building water heater
Replies: 6
Views: 690

MIL's condo flooded due to building water heater

My MIL's condo flooded and they're making repairs to common areas now. Apparently her washer got flooded as well (no idea how that happened). Anyway, the HOA is going to cover the all repairs, but not any of the property that got damaged. She has some furniture that needs to be replaced as well. The...
by z91
Mon Aug 12, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling House at Loss; Better to credit buyers or lower purchase price?
Replies: 11
Views: 1215

Re: Selling House at Loss; Better to credit buyers or lower purchase price?

This depends on many factors. I would discuss these with your agent if you have one. Many times buyers will find things in the inspection and it's really up to the seller. A lot of cases the buyer will get all, some, or none of the money to fix a repair. If you refuse of course the buyer can walk. B...
by z91
Mon Aug 12, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life should we get?
Replies: 5
Views: 438

Re: How much term life should we get?

I would not insure your wife (assuming she is not working) beyond the age where the kids are out of the house. 15 years. Her "value" (that is, what it would cost you in childcare to replace her duties) falls when the kids become adults. If the one child really needed to be institutionalized, god fo...
by z91
Mon Aug 12, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life should we get?
Replies: 5
Views: 438

Re: How much term life should we get?

Your situation is complicated by the health care needs of the one child, and what it would cost if the child/adult needed care and you were dead. Typically, you would insure to the point where your kids where grown and out on their own (say to their age 25), as their college would be paid for, your...
by z91
Mon Aug 12, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life should we get?
Replies: 5
Views: 438

How much term life should we get?

FWIW I don't want to go by any rules of thumb (10-20x income) because I think this should be tailored to individuals. Here goes.. Income: HCOL area Me: 35 Gross income 200k DW: 36 Gross income 30k (part time) Kids: 7 and 5. 7 year old has special needs (Autism) and there's a 50/50 chance he can make...
by z91
Fri Aug 09, 2019 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Employer offering equity in company. What questions to ask?
Replies: 37
Views: 2950

Re: Employer offering equity in company. What questions to ask?

Interesting..I wonder why they mentioned you could decline? It's basically in addition to current compensation, isn't it?
by z91
Wed Aug 07, 2019 8:21 pm
Forum: Personal Investments
Topic: Another AA and payoff mortgage query
Replies: 9
Views: 812

Re: Another AA and payoff mortgage query

grabiner wrote:
Wed Aug 07, 2019 8:13 pm
You should either pay off that mortgage or refinance it. Current rates on 15-year mortgages are about 3.25%, which would save you a lot in interest.
+1 if OP does anything, it would be to refinance.
by z91
Wed Aug 07, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

The rep mentioned to me that for CDs they usually only take one transfer . Since I initiated a second transfer, it threw off their system. They probably have some kind of batch job that finalizes the CD or something once the first transfer is received. I guess in the future I'll just have to consol...
by z91
Wed Aug 07, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

Are you relatively new at Ally? It seems that some existing customers get one day ACH push and pull. Next time, try to have the money in Ally online savings first. The CD opening will be immediate with internal funds transfers. Nope, member since 2007 or so. And yes, lesson learned, just one transf...
by z91
Wed Aug 07, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

The transfer of large sums can take days. Money transfers go according to procedure, its for your safety. Not sure what you mean by this. The money was withdrawn on 8/2 and they said it would be completed by 8/6. 8/7 the transfer shows up as completed, I also get an email confirming the transfer is...
by z91
Wed Aug 07, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

Just got off the phone and they will have the balances updated by the end of the day. Kind of concerning, that if I didn't catch this my money could have been stuck in limbo somewhere. The rep mentioned to me that for CDs they usually only take one transfer. Since I initiated a second transfer, it t...
by z91
Wed Aug 07, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

HueyLD wrote:
Wed Aug 07, 2019 11:08 am
Is your account a trust account?
Nope, just joint account with my spouse.
by z91
Wed Aug 07, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

Re: "Missing" money from Ally. Transfer completed but account balance not updated..

Thanks -- how long does it usually take? FWIW I finally got a hold of someone and they are looking into it with their back office..I really hope this gets cleared up!
by z91
Wed Aug 07, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: "Missing" money from Ally. Transfer completed but account balance not updated..
Replies: 16
Views: 959

"Missing" money from Ally. Transfer completed but account balance not updated..

I opened a no penalty CD last week, and funded with two sources. One was an existing Ally savings account, and the other was from Chase, split almost 50/50. They withdrew on 8/2 and the transfer was scheduled to be completed 8/6. I check all day on 8/6 and nothing. 2am on 8/7 (I'm on the west coast)...
by z91
Tue Aug 06, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 3869

Re: Worth it to upgrade to Premium Economy?

I do, but that's because Megacorp is paying for it :sharebeer

I could book in Business, but there's a bit of incentive for us not to.
by z91
Tue Aug 06, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: high yield savings vs. no penalty CDs
Replies: 28
Views: 2533

Re: high yield savings vs. no penalty CDs

Consider splitting up the CDs. I use Ally and their minimum was 25k, so I opened up a few at the minimum. This allows me to cash out 25k at a time in case I decide I need the cash for something like a car. If I bought one big CD, then I'd lose the entire CD allocation. I'd have to open a new CD with...
by z91
Wed Jul 31, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5197

Re: Ghosted by IKEA after warranty claim

I was planning on getting IKEA cabinets but not anymore. Thanks OP for sharing your experience thus far, looks like their warranty is pretty much worthless. You are making your decision based on one anonymous post online? Consumer Reports rates them #1 or #2 repeatedly for cabinets. I didn't. I hav...
by z91
Tue Jul 30, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7232

Re: Do you buy the highest trim car ?

I don't. I buy what I need, but be flexible upwards. If I get a higher trim at no additional cost or something ridiculously low, then I get it. This has happened to me a couple of times where it was end of the quota earning period. They would agree to the price in writing and when I get there they h...
by z91
Tue Jul 30, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5197

Re: Ghosted by IKEA after warranty claim

I was planning on getting IKEA cabinets but not anymore. Thanks OP for sharing your experience thus far, looks like their warranty is pretty much worthless. You are making your decision based on one anonymous post online? Consumer Reports rates them #1 or #2 repeatedly for cabinets. I didn't. I hav...
by z91
Tue Jul 30, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5197

Re: Ghosted by IKEA after warranty claim

I was planning on getting IKEA cabinets but not anymore. Thanks OP for sharing your experience thus far, looks like their warranty is pretty much worthless.
by z91
Tue Jul 30, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6123

Re: What's your Uber passenger rating?

After reading this, I'll stick to cabs. I never liked Uber's silly theory that it's not a cab company anyway. And I've no desire to have to worry about the driver's apparently delicate sensibilities. " Oh, no, did I close the door a little too hard ?" " Did I make the right amount of conversation ?...
by z91
Mon Jul 29, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Refi terms
Replies: 9
Views: 653

Re: Refi terms

Doesn't this depend on laws? I'm in CA and IIRC we are a non recourse state, so one could simply walk away from the mortgage (and their down payment):
https://www.financialsamurai.com/non-re ... -mortgage/
by z91
Fri Jul 26, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6364

Re: Recommendation for home gym (limited space)

I have an Ironmaster set and highly recommend this, or the Powerblocks. I like the Ironmaster more as they feel more like regular dumbbells to me. I have the Super bench, so I can do all sorts of bench exercises and dips/situps as well. I have a pullup bar screwed into a doorframe which doesn't take...
by z91
Fri Jul 26, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: How would you pay this bill?
Replies: 10
Views: 1198

Re: How would you pay this bill?

Thanks all. I am going to send it over to them with signature confirmation. They seem really out of it, and refuse to deal with me in a reasonable manner. Apparently this is a national billing service many medical companies have opted into, so they handle billing for likely thousands of companies. M...
by z91
Fri Jul 26, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: How would you pay this bill?
Replies: 10
Views: 1198

How would you pay this bill?

I have a medical bill that I need to pay. It's $50 and their website has been broken for about a week now. I call them up to try to pay over the phone and they won't take my info. They suggested mailing a check. I looked up the company, and a lot of people have claimed their bill goes to collections...
by z91
Thu Jul 25, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: How much to tip at wedding
Replies: 24
Views: 2764

Re: How much to tip at wedding

Welp, here comes the monthly tip thread.

From what it sounds like they all are getting what they expect already. I'd only tip if they do an exceptional job.
by z91
Wed Jul 24, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Is there a way to keep track of price drops on Macy's?
Replies: 3
Views: 334

Re: Is there a way to keep track of price drops on Macy's?

Register for "Honey". It's a browser add on that tracks and compares prices across many online vendors.... +1 I have used Honey in the past and I think the Droplist functionality will do what OP wants. It doesn't work perfectly and isn't near as robust as C3 for amazon (not macy's) in my opinion bu...
by z91
Wed Jul 24, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Someone at Citibank signed up for an account, then listed my email address..
Replies: 31
Views: 2269

Re: Someone at Citibank signed up for an account, then listed my email address..

Let's assume for the moment, you're a hacker that has compromised a customer's email address. You call into Citibank requesting information on a customer's account without providing identification. You then ask Citibank to remove the current email address from one of their customer's account. You c...
by z91
Wed Jul 24, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Someone at Citibank signed up for an account, then listed my email address..
Replies: 31
Views: 2269

Someone at Citibank signed up for an account, then listed my email address..

I started getting emails from Citibank a couple months ago for a Citibank Double Cash card. I've never done business with Citi before though. Immediately thought this was identity theft so I checked my reports and they were clean. Turns out this person set their accounts to my email address instead ...
by z91
Tue Jul 23, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: 6+ month old medical bill on old plan
Replies: 12
Views: 888

Re: 6+ month old medical bill on old plan

Well, that was unexpected. I left a message and after 30 minutes they called me back telling me they noticed an issue with one of the line items, corrected it, and I offered to pay up the corrected amount. Was such a breeze.. I wish all medical billing companies were like this. I've had so many pain...
by z91
Mon Jul 22, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: 6+ month old medical bill on old plan
Replies: 12
Views: 888

Re: 6+ month old medical bill on old plan

If the provider screwed up and Insurance A will not longer pay because of the screw up, my argument to the provider would be "that's your bad, you eat it." This is particularly true if Provider was an in-network provider with Insurance A. As part of their network contract, its generally the Provide...
by z91
Mon Jul 22, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: 6+ month old medical bill on old plan
Replies: 12
Views: 888

6+ month old medical bill on old plan

Here's my story: 2018 (Jan to Dec) I had insurance A 2019 (Effective Jan) I switched to insurance B On Dec 31 2018 we incurred services for $200. We never got the bill as we hit our OOP max and figured we didn't owe anything. Just today, we got the bill, and they want us to pay up. I guess they subm...
by z91
Fri Jul 12, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9083

Re: Who cuts your hair? And for how much?

Sorry. I didn't think to "use the search function". I paid $25 (including tip). My wife use to cut my hair. But her hand tremors have made that option rather risky. Am I the only one wondering what the base price is and what OP considered to be the generous tip? There's a big difference between a $...
by z91
Mon Jul 08, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1800

Re: My situation and a new vehicle

I've heehawed on buying a new car the past 18 months. The bug gets really itchy when you're reading about cars all the time and paying attention to them. Try not to. I've fought it the past 18 months and don't read into buying new cars anymore. I still have a 2005 SUV (bought used) that is running f...
by z91
Mon Jul 01, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1413

Internet/cellphone service woes..

I have Xfinity. in 2017 I paid 59.99/mo for 250mbps. 2018 it was 69.99, and this year my renewal is 79.99. There is a trend and I don't like it. Some people would consider it cheap for the speed, but I find it obnoxious that these price hikes keep going up. I think it may have to do with signing my ...
by z91
Wed Jun 19, 2019 11:19 pm
Forum: US Chapters
Topic: Randomly Met Another Boglehead In Person
Replies: 7
Views: 1927

Re: Randomly Met Another Boglehead In Person

I think there are more of us than you think. When my coworkers talk about Finances I usually sneak in "do you know about Bogleheads" and 80% of folks are dedicated readers (hi folks).
by z91
Wed May 29, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 28
Views: 3422

Re: How a SIM swap attack works

Not saying this didn't/couldn't happen, but I'm skeptical of the story. The author works for a company that provides services to secure Bitcoin wallets.. He even links his company In his first "recommendation," but doesn't disclose the conflict of interest. It's basically just an advertisement. Yea...
by z91
Sun May 26, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3839

Re: How much to tip food delivery driver

Oh look, the monthly tip thread.....