Search found 175 matches

by totallystudly
Thu Nov 14, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1638

Re: Looking at buying a foreclosure Dallas area cash

Also they want cash the day of the auction. That's not a problem. Also do the calculation, that after doing your due diligence, looking for contractors and tradespeople, time and money spent in fixing possible problems with the house, angry tenants, etc... That it might be worth your while just to ...
by totallystudly
Thu Nov 14, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1460

Re: Productizing an idea

[/quote] Why wouldn’t you patent an idea you plan on turning into a product? Seems that skipping that step opens the door wide open for others to claim the idea as theirs. [/quote] We are talking about kitchen gadgets, not car parts. If it is a good idea people will just copycat it, patent or no pat...
by totallystudly
Wed Nov 13, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Productizing an idea
Replies: 28
Views: 1460

Re: Productizing an idea

Everyone is wrong. Dont spend any money on lawyers. Don't file a patent. Don't do any of that nonsense... Go on Alibaba.com, talk to a Chinese company that makes something similar now. Chances are they can make what you are talking about or something close to it already exists. Take your specs and r...
by totallystudly
Wed Nov 13, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1638

Re: Looking at buying a foreclosure Dallas area cash

I'm not planning to flip the house, more focused on just getting a deal on a good place to live. That said, I probably do need to look at local contractors/handymen for smaller tasks...

I'm definitely going to do all the searches for liens or legal issues surrounding the place, all good ideas..
by totallystudly
Wed Nov 13, 2019 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1638

Re: Looking at buying a foreclosure Dallas area cash

The auction is usually to satisfy one of the mortgages. After you buy, other mortgages and leins can remain. That’s interesting. This possibility never occurred to me. How would you find out if this is the case? Is it disclosed at auction or do you need do do your own research beforehand? Generally...
by totallystudly
Tue Nov 12, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to start a business
Replies: 23
Views: 2088

Re: How to start a business

I have read up a few books on setting basics of business like forming LLC etc. But more confused than be able to find answers on what business to actually start. I did an MBA in 1995, so have some financial academic knowledge- but never worked in the business side of things. Getting an MBA was $ wa...
by totallystudly
Tue Nov 12, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1638

Looking at buying a foreclosure Dallas area cash

Anyone have experience doing this? I'm looking at buying a foreclosure in the dallas area cash at auction. I went to one last month and there is definitely some value there, but a LOT of unknowns as every property up for auction doesn't actually get auctioned, so on a list of 20, they may start at p...
by totallystudly
Tue Nov 12, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: phone bloop
Replies: 14
Views: 5994

Re: phone bloop

The bloop sound is part of the vicidial source code when the call connects. Vicidial is one of the most popular open source autodialing programs It is a telltale sign of vicidial, so when you are saying a telemarketer and they claim it wasn't an autodialer and you play a recording with the bloop, th...
by totallystudly
Mon Oct 28, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: How long is too long to receive an order from an online merchant?
Replies: 9
Views: 545

Re: How long is too long to receive an order from an online merchant?

I ordered a gun part from Czechoslovakia and it got here in like 2-3 weeks....if it takes longer than that, they aren't trying
by totallystudly
Sat Oct 26, 2019 3:10 am
Forum: Investing - Theory, News & General
Topic: SPXX -- Nuveen S&P 500 Dynamic Overwrite
Replies: 16
Views: 1179

Re: SPXX -- Nuveen S&P 500 Dynamic Overwrite

Couple things, do those charts show total returns including dividends? Do the total returns consider the tax efficiency of the distributions which are likely classified as return of capital? As a closed end find with premiums and discounts to NAV, do you think this is really a good proxy for compari...
by totallystudly
Mon Sep 23, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9548

Re: Physical activity suggestions for a non athletic youth

Is weight lifting too early for an 11 year old? No. I started at 12 and earned an athletic scholarship to a tier 1 University. My husband and I are not particularly athletic either and the most “sport” we do is weekly hikes through our town trails. Other than my oldest we are all normal weight and ...
by totallystudly
Tue Sep 03, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5957

Re: Not gaining weight on vacation?

1) I'm a "she" and not a "he Apologies, but let's not pretend basic human biochemistry doesnt apply to adult women. I can calculate macros in my sleep. Oh I'm sure you are quite capable of simple math being on BH. I'm just saying you aren't doing it, particularly when eating out, particularly when ...
by totallystudly
Mon Sep 02, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5957

Re: Not gaining weight on vacation?

Really. Japan and living on salad and whey protein???


If you are having trouble controlling your Diet, yes. If you eat out or indulge one Day, you need to cut back the next one. There's more to do while traveling than just eating.
by totallystudly
Mon Sep 02, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5957

Re: Not gaining weight on vacation?

Wow - lots of judging and assumptions in this. Every body is different. We aren't that different. I just played NCAA div 1 football and have been around powerlifters and bodybuilders since I was 12. Just applying facts and science to the scenario. Base assumption is we are talking about homo sapien...
by totallystudly
Mon Sep 02, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5957

Re: Not gaining weight on vacation?

I take a vacation and gain 8 pounds...spend two months losing the weight...go on another vacation and regain the 8 pounds...repeat . It should never, in any universe take you 8 weeks to lose 8 pounds. [Comment removed - mod oldcomputerguy] Gaining I pounds eating a bunch of carbs is pretty easy. I ...
by totallystudly
Sun Sep 01, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: New Foreign Service Officer: Who do I talk to about State Domicile
Replies: 15
Views: 1654

Re: New Foreign Service Officer: Who do I talk to about State Domicile

Former army officer here. There's really nobody to talk to about this. Just change your state of residency, I think it's the w4 form. Pay your property taxes and call it a day
by totallystudly
Fri Aug 09, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9850

Re: Critique my exercise routine because it's not working for me

Bottom line, you aren't training with enough intensity and your diet is off. Weight loss/recomp is all about diet, diet, diet.

You should be going at least 10 sets of 10 for major muscle groups per week plus 45 min of cardio.

Cut carbs to zero and you'll lose weight like it's your job.
by totallystudly
Fri Aug 09, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Why do dividends still exist?
Replies: 204
Views: 12606

Re: Why do dividends still exist?

IBM is a shining example of how buybacks don't increase share value and dividends would have been better for everyone
by totallystudly
Sun Jun 09, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to start outsourcing?
Replies: 21
Views: 2193

Re: How to start outsourcing?

2. Personal Trainer - Manage my body to maintain strength, flexibility, and mobility long-term. Hold me accountable. 3. Nutritionist - Mange my diet. Hold me accountable . These two are very simple, but not easy mostly because you can never, ever outsource this and only you can ultimately hold your...
by totallystudly
Thu Apr 04, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 15081

Re: Folks in their 60s and above. What early investment on health do you recommend.

I would add brush your teeth and supplement soluble fiber. All manners of health issues are tied to gum disease/poor oral health from heart disease to potentially Alzheimer's. Soluable fiber does wonders from keeping your blood sugar stable, killing off hunger, to helping offset high cholesterol, an...
by totallystudly
Fri Mar 01, 2019 5:36 am
Forum: Non-US Investing
Topic: [How to rent when no earned income but enough assets?] [Australia]
Replies: 10
Views: 1117

Re: How does index investing wok in retirement if you don't own a house?

If you have cash, credit doesn't matter. Income isn't super important either. I have rented multiple houses with no w2 or 1099 income. I had just sold a business for a low 6 figure amount and had almost half a mil in the bank total. I sent them my bank statement and told them I could buy the house c...
by totallystudly
Sat Feb 23, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 2009

Re: Robocall from someone in my phone contacts?

I get tons of calls and sue the telemarketers once I do some investigation into who they are.
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: 281

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: 355
Views: 35016

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: 5865

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: 1935

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: 1850

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: 1850

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: 1850

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: 1850

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: 1850

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: 1850

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: 14245

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: 2680

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: 6473

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: 2607

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: 921

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: 123
Views: 15382

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: 2423

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: 10101

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: 7304

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: 11200

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: 11200

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: 11200

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: 11200

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: 4301

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: 15782

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: 7304

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: 7304

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...