Search found 135 matches

by totallystudly
Sat Oct 27, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9262

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: 6999

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: 46
Views: 7689

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: 46
Views: 7689

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: 46
Views: 7689

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: 46
Views: 7689

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: 4190

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: 14550

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: 6999

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: 6999

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: 6999

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: 6999

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: 6999

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: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14025

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: 5772

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: 6921

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: 6921

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: 10536

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: 7824

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: 1740

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: 5989

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: 5989

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: 5027

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: 5027

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: 5027

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: 1480

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: 5027

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: 15452

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: 307
Views: 53839

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: 7018

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: 1488

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: 1041

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: 15452

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...
by totallystudly
Fri Jul 06, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15452

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

Marc, haters are going to hate. Some folks are just mad because they are still working and you didn't do things the way they did. Kudos, you are an example to many.
by totallystudly
Thu Jul 05, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

Not quite sure what "volume" is though..
Volume is the amount of work done. One way of looking at it is the simple German volume training which is 10 sets of 10 or 100 reps total. Most typical programs start with 3 sets of 10 which isn't a lot of volume.
by totallystudly
Thu Jul 05, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

Younger people can do greater weight/lower repetitions. Older people will benefit from lower weight/greater repetitions Nonsense, i asked your muscles, and they said they don't care. It's all about intensity and volume, although at the extreme ends with weight it can be a bit rough on the joints. J...
by totallystudly
Thu Jul 05, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

Well, the real problem is there's an old and oft-held misconception by a lot of women (including my wife btw) that strength training is going to turn them into linebackers. I third that misconception and the premise of the idea kinda silly. You don't just touch weights and get big. Guys have the sa...
by totallystudly
Thu Jul 05, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

I would agree that many things are the same. But most exercise books are written for a target audience of males in their teens to 50's. Women over 60 have very different needs from men in their teens to 50's. We may all need exercise, but how it needs to happen might be very different. You may just...
by totallystudly
Tue Jul 03, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3561

Re: International Vacation Ideas

Let me dissuade you from going to Alaska. I went there on a cruise and I was bored to tears.
by totallystudly
Tue Jul 03, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1480

Re: Dallas Trip

+1 to the 6th floor museaum. They also have a JFK assassination bus tour. I haven't taken it yet, but I will soon.
by totallystudly
Tue Jul 03, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married, car buying and apartment by myself?
Replies: 18
Views: 2797

Re: Getting married, car buying and apartment by myself?

1) my wife is going to be a stay at home person. This is due to various visa restrictions since she is from another country Why are you accepting this? You don't need a visa to start a small business and there are plenty of things she can do even working for a small business you start. Vending rout...
by totallystudly
Fri Jun 29, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12882

Re: When did you start flying business class?

I started flying business class and would only do so if I were flying on an airline buddy pass. Spending 5-8k on a ticket is absurd. It is REALLY nice for long flights, but totally not worth paying full price.
by totallystudly
Wed Jun 27, 2018 3:12 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10923

Re: Stocks vs. rental property

Real estate is illiquid. Stocks aren't. Why not just do both and buy some REITs?
by totallystudly
Sun Jun 24, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE thought experiment
Replies: 24
Views: 2816

Re: FIRE thought experiment

Wouldn’t you feel the stress of NOT working ? Stress? What stress? Not working and focusing on your own goals and ambitions feels great. Friends and Acquaintances of the same age around you would be going full throttle workwise and you would be the odd person out I've always been the odd person out...
by totallystudly
Sun Jun 24, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22090

Re: Can you retire on $2M?

Why would anyone want to "retire" at age 40? What possibly would you do with all that time (that doesn't cost a lot of money)? I would challenge you why not? What is so fun about working? I can only think of a few things so exciting that I would be thrilled to get paid for them and work for me has ...
by totallystudly
Sun Jun 24, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: HELOC vs 401k Loan - Looking for Options
Replies: 7
Views: 725

Re: HELOC vs 401k Loan - Looking for Options

You are going through this fiasco trying to sell, might take a loss on a house during one of the greatest runups in real estate, have an anchor limiting your flexibility, and your thought is to immediately repeat the process and buy ANOTHER house??? If your goal is to get the kid into school, why no...
by totallystudly
Thu Jun 21, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22090

Re: Can you retire on $2M?

Just move overseas for the win
by totallystudly
Thu Jun 21, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3727

Re: 3 nights in Vegas

Don't go to the Hoover dam, you can't see anything and it is essentially like driving on an overpass. Lake Mead is amazing. Shoot machine guns indoors or rent lambo or go drive a race car
by totallystudly
Thu Jun 21, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 32946

Re: Why pay cash for a car?

Full coverage insurance would probably eat into that $640 savings pretty quick too...
by totallystudly
Thu Jun 07, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9272

Re: Don't make the mistake I made (Telemarketing hell)

Secondly, that court case was after mine - that wasn't until 2011 and mine was 2008. Thirdly, you can only bump up from $500 if certain details apply, which may not have applied to me and it's disingenuous to say that a person should expect more than the default and perjury to claim those details a...