Search found 152 matches

by totallystudly
Fri Feb 15, 2019 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Trying to Simplify things while maximizing benefits and bonuses
Replies: 0
Views: 191

Trying to Simplify things while maximizing benefits and bonuses

Ok, I have a Schwab account, BOA Premium rewards at the Platinum teir, a Schwab account/brokerage, and just opened a Fidelity CMA. I trade primarily through IB. I also have a self directed IRA/HSA that I am looking at moving somewhere in the next 3 months not earning much interest at Equity Trust. I...
by totallystudly
Fri Feb 15, 2019 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 337
Views: 29849

Re: Early retirees, how much did you leave on the table?

I am essentially early retired and I know I left a lot of stress, headaches, worry, late nights and early shifts and about 50 pounds on the table. I'm quite happy with life right now.

I could have more money, but i doubt more happiness.
by totallystudly
Mon Feb 11, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5306

Re: What Happens If You Ignore Being Served a Lawsuit?

Posting on the door is not a proper way to serve. It has to be given personally to an individual, which is identified on the proof of service document. The court will not consider it. If you do recognize it by responding, you will be considered properly served, though. Should you however receive a ...
by totallystudly
Wed Feb 06, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the house or keep it for rent?
Replies: 30
Views: 1819

Re: Sell the house or keep it for rent?

Dude, you don't mysteriously wind up with 3 houses....just stop buying houses if it is too much to handle. I would sell #3 and take the cash and roll it into paying off #2.
by totallystudly
Fri Jan 18, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1767

Re: How to set android phone to send phone solicitors directly to voice mail.

Most of the caller numbers are spoofed. True How do I figure out who the caller really is so I can sue? Talk to them, play along as if you are an interested customer, buy the product, set up an appointment, or do whatever you need to do to get documented evidence of who is calling you via emails or...
by totallystudly
Fri Jan 18, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1767

Re: How to set android phone to send phone solicitors directly to voice mail.

Unfortunately, the largest volume of spam calls originate internationally from what I understand - where US laws can't touch them. True that many calls originate overseas, but there is almost always a domestic US company that is selling products/services. Just have to social engineer your way to th...
by totallystudly
Fri Jan 18, 2019 1:53 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1767

Re: How to set android phone to send phone solicitors directly to voice mail.

I got a check for $40something recently because I had reported a number to DoNotCall and the feds sued the company and won. Although possible, it is very unlikely that this is the chain of events that happened. The feds rarely sue based on DNC complaints and even then rarely obtain money on behalf ...
by totallystudly
Fri Jan 18, 2019 1:51 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1767

Re: How to set android phone to send phone solicitors directly to voice mail.

Seriously? Have you ever won a suit? Yes, very serious. The TCPA is a federal law that covers it, 47 USC 227 or the telephone consumer protection act and you can get up to $3,000 per call. State laws can be even better, for example NC has a law that is a flat $500, for the first violation $1,000 fo...
by totallystudly
Fri Jan 18, 2019 1:35 am
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1767

Re: How to set android phone to send phone solicitors directly to voice mail.

Seriously? Have you ever won a suit? Yes, very serious. The TCPA is a federal law that covers it, 47 USC 227 or the telephone consumer protection act and you can get up to $3,000 per call. State laws can be even better, for example NC has a law that is a flat $500, for the first violation $1,000 fo...
by totallystudly
Wed Jan 16, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1767

Re: How to set android phone to send phone solicitors directly to voice mail.

Most telemarketers won't leave vmails and will just keep calling. I choose to sue them
by totallystudly
Sat Jan 12, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12818

Re: Recommendations for a 9mm handgun

I HATE Glock triggers and would never personally buy one. Anything other than a Glock.

I like Steyr m9 or HK VP9 which have super crisp, fast reset triggers and there are several Turkish guns our there such as a ported tisas and there are many good 9mm from CZ as well.
by totallystudly
Sun Jan 06, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2424

Re: How often do you deep clean?

sounds like he needs a hobby
by totallystudly
Fri Jan 04, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: Do you have a fun finance-related hobby?
Replies: 50
Views: 6108

Re: Do you have a fun finance-related hobby?

Some people sue telemarketers as a hobby.
by totallystudly
Wed Jan 02, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: what do you think about my advice to my brother please help!
Replies: 24
Views: 2519

Re: what do you think about my advice to my brother please help!

Wife is not working.
That is what you are missing. She needs to work. Everyone fights, nobody quits, especially with 400k in student loans. Why in the world is she not working???
by totallystudly
Tue Dec 25, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Phone spam text messages
Replies: 7
Views: 810

Re: Phone spam text messages

I would figure out who is calling or research the short code/sending number and sue them
by totallystudly
Tue Dec 25, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 121
Views: 13739

Re: Spam calls to cell phone...

The apparent reason for this increase (besides indifference of Congress) is that my wife and I became Medicare eligible. The only good thing is we get so many Medicare calls, the other robo callers must get busy signals all the time. Nah, it's because Medicare fraud is a huge business. This sounds ...
by totallystudly
Mon Dec 10, 2018 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Financial planning for new military member - multiple questions
Replies: 36
Views: 2199

Re: Financial planning for new military member - multiple questions

1- when I filled out a dd2058, the only requirement was an instate address. Nobody ever asked any questions and it was accepted.

2- yes you can choose the percentage allocated to the TSP
by totallystudly
Sat Oct 27, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9560

Re: Girlfriend's Student Loans

I wouldn't put a dime towards them. We are all adults. She made some bad decisions and needs to learn from them.

She may be eligible for student loan forgiveness anyway, so I would explore that first.
by totallystudly
Tue Sep 11, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7082

Re: Cell phone tip: block callers

Next up: online ads to get rich quick by suing junk callers. I actually sue get rich companies often...but this would never work as there is a level of effort involved in the process. Still, I've done way more difficult things in life. How much have you collected so far? Well over 6 figures, as in ...
by totallystudly
Tue Aug 21, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10910

Re: My son was scammed on Craigslist- how to get money back

I'm not saying I don't think you're right, but that's kind of mind-blowing. So anyone I have written a check to can get my social? Incorrect. Anyone with a subpoena can get your SSN. Checks are inherently insecure, but yes having your account number or debit card/credit card info can be tied back t...
by totallystudly
Tue Aug 21, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10910

Re: My son was scammed on Craigslist- how to get money back

How is he supposed to get a SSN? There are background databases where you can look up this information. They require a functioning business, site visit, 2 week application process, etc... That said, you don't NEED the SSN, you have the account number. The account number gets you a name, address, an...
by totallystudly
Tue Aug 21, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10910

Re: My son was scammed on Craigslist- how to get money back

That is a very interesting process. What is the cost to do this roughly? Depends on the cost for small claims court or state court, but my guess is something around $30 to $300 at most. Biggest cost is time and waiting for the courts and postman. Can you do all that for anyone if you have an accoun...
by totallystudly
Mon Aug 20, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10910

Re: My son was scammed on Craigslist- how to get money back

You can probably figure out who did this and complicate their life long term and probably get your money back at some point. It would be a good educational exercise for the kid. File a John doe case, get a subpoena serve boa with the subpoena and request all opening docs and statements for account x...
by totallystudly
Wed Aug 01, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Hitting Milestone Early, and the Fiancee Response!
Replies: 20
Views: 4240

Re: Hitting Milestone Early, and the Fiancee Response!

Does the fiancee work or is she contributing to the 103k?
by totallystudly
Fri Jul 27, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14933

Re: Tips for staying active / injury-free into older age

I haven't seen much mention of progressive resistance exercises. Everyone needs to lift and build muscles or you lose them. You don't notice it and it is a continued degeneration of the body 1% per year till you are frail and weak. My HS football coach said and I believe it, strong bodies don't get ...
by totallystudly
Tue Jul 24, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7082

Re: Cell phone tip: block callers

I am approaching Medicare signup age and am getting bombarded with junk Medicare solicitations. Presumably they are in the US as they seem to speak good English. They don't have any kind of exception, do they? I would love to sue the bas____s. If it is to a cell phone the only exception is for emer...
by totallystudly
Tue Jul 24, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7082

Re: Cell phone tip: block callers

Tcpalaw.com is a good resource. That is the closest to a faq. Every case is different, as far as case value, time involved, defendants approach to the case, etc. The most important thing is figuring out who is calling and getting those phone records/ recording the call. The law you want to start wit...
by totallystudly
Tue Jul 24, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7082

Re: Cell phone tip: block callers

I believe that the max lawsuit allowed in small claims court per call is $500, or $1500 for intent. The trick is getting the telemarketer to give you their details, or finding one who's operating in our own country Incorrect on the max lawsuit. Small claims limits vary from state to state but you d...
by totallystudly
Mon Jul 23, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7082

Re: Cell phone tip: block callers

How much have you received
In total well over 6 figures.
by totallystudly
Mon Jul 23, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7082

Re: Cell phone tip: block callers

I answer the calls, find out who is calling and sue for $3000 per call. Seems worth it to me...
by totallystudly
Sat Jul 21, 2018 1:49 pm
Forum: Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14145

Re: Should I Dump a Pile of Money on Young Son?

Maybe setup a trust without telling him or telling him how much is in it and set it so it turns over to him in 10-15 years. I'm sure your son is well grounded and responsible beyond his years even if he had to settle for 2nd best and couldn't get into West point. Just a little service academy humor....
by totallystudly
Sat Jul 21, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 5857

Re: Telemarketing calls from my own prefix

How do I find out who is calling since the caller I’d is not real?
Answer the phone and pretend to be interested in whatever they are selling. Be sure to get a website and call back number or buy the product if it is cheap
by totallystudly
Mon Jul 16, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 7027

Re: $540 a month on food for graduate student budget too much?

You can make a ton if low cost healthy filling meals. Someone mentioned a mindshift from eating for pleasure/entertainment to eating for fuel and for a purpose. You can do simple, quick stuff like spinach and egg whites and an avocado. Salmon and whole eggs and broccoli. Steaming veggies takes about...
by totallystudly
Mon Jul 16, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 7027

Re: $540 a month on food for graduate student budget too much?

Bigger issue is that you are slowly killing yourself with that crap food and could have undesirable health outcomes if you keep doing it, which is expensive. Just learn how to cook or get some protein shakes if it needs to be something fast.
by totallystudly
Sun Jul 15, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10653

Re: When does frugal cross the line to cheapskate?

It is amazing how far good looks get you in life. 6 dates being a cheapskate isn't an experience many guys have
He wasn't that good looking. Good looking guys don't go on dates, IJS. They meet for Netflix and chill.
by totallystudly
Sun Jul 15, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 8058

Re: Anyone not have a Budget?

I have a savings budget mostly. I take care if the essentials and focus on the important spending/saving points. Beyond that, I don't need to count the pennies, but I have my spending under control and don't have issues with money being spent and me not knowing where. That said, I do have a pretty s...
by totallystudly
Sun Jul 15, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1775

Re: Am I dreaming or is there a possibility: Retire at 45?

What do you have saved in your tsp? Do you own a home or would you be buying first time? Typically the military retirement isn't enough to retire on just that, especially if you are used to living on much more and don't have savings or investments to at least maintain your current income. If you had...
by totallystudly
Sat Jul 14, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 6067

Re: Would you trade experiences in your youth for early retirement

Yeah, but come on $200 for business class isn't much of a "sacrifice" nor is it going to set back my retirement much or advance it much either. By comparison, one of my buddies was happily spending 1k per month for his Escalade in 2003 for gas, insurance, and the payment. He got to experience a bit ...
by totallystudly
Fri Jul 13, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 6067

Re: Would you trade experiences in your youth for early retirement

I think this is a false dilemma. It's not either you sacrifice and retire early or you have fun experiences and retire later. Depending on your creativity, you can do both, especially if you have your own business and the time to do it. Savings does not require giving up experiences generally, mostl...
by totallystudly
Fri Jul 13, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5207

Re: New construction: financing fell through, builder won't return deposit/earnest $

The phrasing of your response makes me think all of that legal experience was gained as a pro se litigant. Is my suspicion correct?
Clever Dodge of the questions asked and still not contributing to the thread.
by totallystudly
Fri Jul 13, 2018 3:22 am
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5207

Re: New construction: financing fell through, builder won't return deposit/earnest $

How many cases have you tried? Ever hear of a motion for summary judgment? The above “advice” should be ignored and this is another example of non lawyers offering thoughts and opinions that could greatly damage the financial well being of forum members . 70+ cases filed. One appeal to a federal ci...
by totallystudly
Thu Jul 12, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5207

Re: New construction: financing fell through, builder won't return deposit/earnest $

And what if judgement is for the defendant plus attorney fees? I’d bet this contract is boiler plate, well tested, and nearly judgement proof. Don’t fight battles you can’t win That would depend on the language in the contract plus the marathon of actually winning. Boiler plate contracts are genera...
by totallystudly
Thu Jul 12, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Preparing for military retirement
Replies: 10
Views: 1518

Re: Career Advice: Preparing for military retirement

There are several placement firms out there that specialize in transitioning military. They have conferences regularly around the country. You should talk with them first.
by totallystudly
Thu Jul 12, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5207

Re: New construction: financing fell through, builder won't return deposit/earnest $

Sue them now. Quit with this pansy letter writing stuff send them a court stamped summons and complaint. Then they have to consider if it is worth it to hire a lawyer and spend 20k to keep 15k. A letter to your state AG wouldn't hurt either.
by totallystudly
Sun Jul 08, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15565

Re: How to "retire" in your 30's article

Saving a million on $250k or $300k a year combined salaries is a very different story . I would point out there are many people who have both incomes and nothing saved. One of my buddies from college is like that. Makes well over 250k with stock options and saves nothing. Marc's story might be inst...
by totallystudly
Sun Jul 08, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58342

Re: That Extravagant Thing You Do

Hunting and international travel. There is no practical reason for me to hunt. I'm a city guy and have plenty of grocery stores near me. I can get frozen catfish nuggets for less than $2 per pound, so why go out of my way to shoot deer/hogs for probably $20 per pound? It's fun and I like shooting st...
by totallystudly
Sun Jul 08, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7204

Re: Older Women Lifting Weights

As for leg strength, I've heard that your legs can press twice your body weight. I've gone slightly beyond that during my long-ago gym workouts (leg press machine Your legs are stronger than you give them credit for. Lee priest on a bet did 500 pounds, which was about twice his body weight over 100...
by totallystudly
Fri Jul 06, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For My Side Business - Reselling Used Electronics
Replies: 14
Views: 1504

Re: Advice For My Side Business - Reselling Used Electronics

A side business isn't a bad idea, but I would look for something more automated like vending machines or ATM routes or something with less of a firm time committment. As stated your time is valuable and you are wasting it as is.
by totallystudly
Fri Jul 06, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching local communities how to save/invest
Replies: 12
Views: 1056

Re: Teaching local communities how to save/invest

YouTube is a good platform. I just think you really need a hook to interest people. I was into investing since I was 15 and was opened to the idea of living off the interest of investments/savings at 12. I didn't need much guidance, but was glad to receive it. Most folks won't be receptive to it and...
by totallystudly
Fri Jul 06, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15565

Re: How to "retire" in your 30's article

I don't understand this concept of retiring in your 30s with a bare bones minimalist lifestyle....what do you do all day? Go for walks in the park, clip coupons, watch tv, hang out at the library, and blog about not spending money on anything ? Do you not have any hobbies or interests? Is working o...