Search found 934 matches

by 8foot7
Sat Jan 19, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 100
Views: 5129

Re: Divorce w/child. Spouse wants to move.

I will echo you need a lawyer because if you do not attempt to stop your soon to be ex from moving before the divorce is final, then you will probably not be able to force her to move back. The court can enforce a temporary order of custody that effectively prevents her from moving and that can be g...
by 8foot7
Fri Jan 18, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 58
Views: 2562

Re: How do you keep a calendar?

I used to keep everything on my Outlook calendar and since I owned my company, I could have my wife and kids with accounts on the Exchange server so they could access and sometimes add things to my calendar. It worked seamlessly; Exchange ActiveSync remains to this day the most bulletproof PIM sync ...
by 8foot7
Fri Jan 18, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA [How do I organize expenses for future reimbursement?]
Replies: 31
Views: 1723

Re: HSA [How do I organize expenses for future reimbursement?]

Here's what I did for the period of time we had an HSA. 1. Collect medical expense receipts and EOBs through the month. 2. On the first weekend of the following month, get a beer. 3. With beer in hand, open spreadsheet and enter - date of receipt, vendor, purpose/service/product obtained, and amount...
by 8foot7
Fri Jan 18, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: How do I get a hotel room upgrade ?
Replies: 9
Views: 898

Re: How do I get a hotel room upgrade ?

Ok! Wonderful. It is the same place my husband and I honeymooned years ago. I will say that. I have heard of people offering money at the front desk. Seems kinda weird to me but does this work? Almost seems like bribery :/ It's a tip for service rendered. The clerk usually has some discretion as to...
by 8foot7
Fri Jan 18, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: How do I get a hotel room upgrade ?
Replies: 9
Views: 898

Re: How do I get a hotel room upgrade ?

At nicer hotels - not Courtyards but Hiltons, Marriotts, Hyatts -- a $20 or a $50 alongside your credit card and ID handed over to the front desk clerk along with a line such as, "I'm wondering if you might be able to do us a favor and check to see if there were any upgrades available for this stay"...
by 8foot7
Fri Jan 18, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS and fed shutdown and balance due
Replies: 8
Views: 1320

Re: IRS and fed shutdown and balance due

They would have officially declined her waiver, not just sent a bill. You should have her go ahead and pay the money. If her appeal to waive the penalty is granted, then they will refund the money. Usually if this is her first violation of any of these and she wasn't too late and there aren't any ot...
by 8foot7
Fri Jan 18, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2748

Re: What shelf liquor and your favorite cocktails?

I am confident that if I made a cocktail with Tito's and made the exact same cocktail a few more times with bargain vodkas, very few of you would be able to identify the Tito's more often than chance dictates. Well vodka. Always. I used to think this as well but we had 10 or so people over for a Su...
by 8foot7
Tue Jan 15, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6559

Re: A co-worker makes more than me

“Because I think x and I have the same job and x gets more, I believe I should get paid what x does” is an extremely poor rationale for asking for a raise. You don’t know the parameters of x’s job roles, you likely don’t have a detailed picture of x’s experience and what they bring to the table, and...
by 8foot7
Tue Jan 15, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help my wife buy a new car (gift tax implications?)
Replies: 15
Views: 1941

Re: Best way to help my wife buy a new car (gift tax implications?)

If I’m paying for a car, my name is going to be on the title. Wife or not. Wife can finance the car in her own name and have sole responsibility for the loan and make payments herself if that’s important to her, IMO.
by 8foot7
Mon Jan 14, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 32
Views: 8740

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

I had the "Essential Red This compelling blend of Old Vine Zinfandel, Syrah, Cabernet Sauvignon and Petite Sirah has created a memorable and delicious wine. Aged in American oak barrels for 12 months, our Essential Red is easy to drink, but impossible to forget." http://boglewinery.com/wine/essenti...
by 8foot7
Sun Jan 13, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Inquiry - But Haven’t Applied for Anything
Replies: 8
Views: 609

Re: Credit Inquiry - But Haven’t Applied for Anything

You shouldn’t be applying for credit so often that lifting a freeze is too inconvenient to bear.
by 8foot7
Sun Jan 13, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How would you interpret this comment from boss about possible redundancy package?
Replies: 8
Views: 1084

Re: How would you interpret this comment from boss about possible redundancy package?

The fact your boss mentioned a package would be in your best interest is all you need to know.
by 8foot7
Fri Jan 11, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20263

Re: $40,000 in debt, bankruptcy seems to be the best option right now

get a high paying job ... is not that difficult. You're right, we should all just go grab those high paying jobs. They're everywhere. Look, there, in the tree! :oops: While "high paying" might not be available, I'm sure there are side jobs that are. All the budget savings in the world isn't going t...
by 8foot7
Fri Jan 11, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20263

Re: $40,000 in debt, bankruptcy seems to be the best option right now

WhiteMaxima wrote:
Fri Jan 11, 2019 12:13 pm
get a high paying job ... is not that difficult.
You're right, we should all just go grab those high paying jobs. They're everywhere. Look, there, in the tree!
:oops:
by 8foot7
Thu Jan 10, 2019 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Complex situation, but 90k to play...sort of
Replies: 10
Views: 1184

Re: Complex situation, but 90k to play...sort of

The first or second thing I did would be to get rid of PMI
by 8foot7
Wed Jan 09, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1506

Re: Fender Bender backing out of garage. File a claim with insurance?

wander wrote:
Wed Jan 09, 2019 12:38 pm
bob60014 wrote:
Wed Jan 09, 2019 10:15 am
Just pay out of pocket, especially as its minor damage and doesn't involve another party.
+1. I would do the same.
+1 since it doesn't involve another party and you're on the hook for a grand anyway
by 8foot7
Tue Jan 08, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2766

Re: Balsam Hill - Defective Christmas Tree

This is one of the most ridiculous threads I've seen in a while. Unless you paid for "white glove" delivery, you refused a perfectly valid delivery and now want to sue. Good luck in life.
by 8foot7
Tue Jan 08, 2019 8:45 am
Forum: Forum Issues and Administration
Topic: DNS or Hosting Issues?
Replies: 13
Views: 573

Re: DNS or Hosting Issues?

Clearly on the forum side. This happens to me on multiple different networks connected to separate ISPs.
by 8foot7
Tue Jan 08, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7770

Re: United, American Airlines, Delta--about the same?

I also factor in * in winter, I want to avoid northern hubs entirely -- this has me avoiding United and American into Chicago. I used to think this as well, but it actually turns out that some northern airports deal with winter weather much better than southern ones . I've definitely been burned by...
by 8foot7
Mon Jan 07, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 201
Views: 14794

Re: Joint Ownership of home with second wife

Just as an update to this for those following, since last posting the partner moved out to an apartment last month, suspended/terminated couples counseling, stopped wearing the engagement ring, and is leaving me hanging as to if she can keep the relationship going with marriage off the table (for n...
by 8foot7
Mon Jan 07, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 2729

Re: Leasing a car

One advantage of leasing over buying becomes realistic after retirement : taking advantage of low-cost, low mileage offers. If you read the small print on those leases for cars on TV commercials, they include mileage figures that are not attainable for most people who drive average distances to wor...
by 8foot7
Mon Jan 07, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20263

Re: $40,000 in debt, bankruptcy seems to be the best option right now

OPEN home equity line credit, use it pay off all credit card debt Get off car lease Get rid of ADT, life insurance, etc Get a high pay job. OP has been in the house 3 months and has no home equity, so this is not an option. Depend how much OP down and bank value of the house. CC interest is like 14...
by 8foot7
Mon Jan 07, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 7097

Re: Child # 3 - seeking advice from older members

I have a 9.5 year old son from a first marriage, and wife #2 and I have a 2.5 year old. We are both mid-30s, though past 35 and have this discussion often. My gut says no but I feel bad because my wife would definitely like another child; however, in this case I think there's a bit of baby fever clo...
by 8foot7
Mon Jan 07, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7770

Re: United, American Airlines, Delta--about the same?

I pick based on the following criteria 1. is a non-stop available for <=$250 more than a connecting itinerary? (in my case, living in an American hub, this sees me on American a lot) 2. for a connecting itinerary, a. Delta gets a nod and I will pay up to about $100 more to fly Delta than a comparabl...
by 8foot7
Mon Jan 07, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a Ryan Home?
Replies: 30
Views: 3069

Re: Thoughts on Buying a Ryan Home?

We just built a "semi-custom" home from a national builder and I can tell you we will never do this again. Our previous home was a custom home built by a small local builder, and though it was not expensive, it was done well and we had very few issues (mostly the normal new home stuff like settling,...
by 8foot7
Sun Jan 06, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20263

Re: $40,000 in debt, bankruptcy seems to be the best option right now

The last thing OP should do is try to change housing situation. Already has no equity, will incur steep transaction costs to sell, and has a lack of startup funds (first and last months’ rent and security deposit) not to mention house payment is lower than comparable rent. People are focusing on hou...
by 8foot7
Sun Jan 06, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20263

Re: $40,000 in debt, bankruptcy seems to be the best option right now

A lot of people are going to focus on the car lease, and yeah, it is probably too much for OP's income (especially given all of the other debt), but it is probably the hardest thing to fix. Most leases, most of the time, you are underwater (in this case, meaning the car is less than the lease payof...
by 8foot7
Fri Jan 04, 2019 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes
Replies: 17
Views: 1296

Re: Vanguard Deposit Slips Incorrectly Fitting into Their Postage Paid Envelopes

My personal checking account is linked to my Vanguard account. It is depositing 3rd party checks that I prefer to mail in with the deposit slip. This is easier for me paperwork-wise than taking a photo of both sides off a check and using the mobile investment app. My deposit slips are not old - jus...
by 8foot7
Fri Jan 04, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Does a PMI in lieu of 20% down ever make sense?
Replies: 48
Views: 2888

Re: Does a PMI in lieu of 20% down ever make sense?

If you’re going into a mortgage having to pay PMI, you’d best have a plan to get out of paying it within a year or two that doesn’t rely on house appreciation. Otherwise it is indeed wasted money, paid to someone else to benefit still someone else in case you fail, because they think you are at seri...
by 8foot7
Wed Jan 02, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 47
Views: 7625

Re: Christmas Bonus: Etiquette

I understand being miffed when you took the time to compliment your employees in a handwritten note with extra money. I would be too.
by 8foot7
Wed Jan 02, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 45
Views: 3350

Re: ug - seeking medical billing advice for ambulance ride

This is how US healthcare works. Just pay it and move on. Not worth messing up with your credit score. OP, as long as you fear the credit score boogey man you will always lose billing disputes. I have no such fear so here is how I handle this. I call the ambulance company and offer them what I'm wi...
by 8foot7
Wed Jan 02, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 128
Views: 7806

Re: 2019 Expenses > 2019 Income – Help us close the gap

I realize that you have probably already come close to solving your problem, but I just wanted to put my vote in that if my wife were a stay-at-home mom and we were living on 64k a year, we wouldn't have a cleaning service. I can equally say if I were a stay-at-home dad and we were living on 64k a y...
by 8foot7
Tue Jan 01, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Credit ID hacked, got $4900 T-Mobile bill
Replies: 8
Views: 1287

Re: Credit ID hacked, got $4900 T-Mobile bill

As others have mentioned, it’s time to stop calling and start putting things in writing to legal and executive contacts. Further communications should happen entirely in writing.
by 8foot7
Tue Jan 01, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2509

Re: Furniture - Ethan Allen Sofa

We bought our living room set, 2 loveseats, 2 chairs, coffee table at Ethan Allen's 28 years ago. Great quality. When we get tired of it, it will be worth getting it reupholstered. Im sure furniture made then was exceptional https://www.nytimes.com/2007/06/15/business/worldbusiness/15iht-wbspot16.1...
by 8foot7
Sun Dec 30, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Father-in-law denied apartment for lack of income even though he has assets. What to do?
Replies: 77
Views: 7608

Re: Father-in-law denied apartment for lack of income even though he has assets. What to do?

I think folks are getting the cart before the horse here. Filing for SS? Buying an annuity for hundreds of thousands of dollars? Paying cash for a house instead?

Why not just find a different apartment?
by 8foot7
Sat Dec 29, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: HR Issue at Work
Replies: 9
Views: 1208

Re: HR Issue at Work

Confront it head-on with the HR manager who's turned cold. You heard some things might have been said, but it's all false, you think of her in a professional way, etc.
by 8foot7
Fri Dec 28, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 54
Views: 4900

Re: Condor moved me from Business to Economy. Recourse?

How many people have actually disputed a charge in a case like this and been successful? All. The. Time. So, you specifically have disputed successfully airline charges when the class of service changed after purchase? I’m not Jags, but yes, I certainly have. This switcharoo has happened to me seve...
by 8foot7
Fri Dec 28, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Better to have Bonus paid Before or After New Year, when applying for a mortgage?
Replies: 6
Views: 288

Re: Better to have Bonus paid Before or After New Year, when applying for a mortgage?

Using the old “mortgage is 3x of income” rule, which is useful if imprecise, a 15k bonus should affect about 45k of a potential mortgage. Are you purchasing a home that requires a mortgage that is within 45k of the maximum you are approved for?
by 8foot7
Fri Dec 28, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3335

Re: not funding kid's tuition

Kids should have skin in the game, sure, but I confess that if I were your kid I’d probably have a sense you were fairly high income and I would probably at some point wonder why I didn’t get any college help at all. That might not be fair or my business as your kid but views are views. I would also...
by 8foot7
Fri Dec 28, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be renting forever?
Replies: 44
Views: 3129

Re: Will I be renting forever?

I paid over $24,000 in mortgage interest this year. If renting is throwing away money I’d love to know what mortgage interest is. Point being, there is plenty of money leaving one’s pocket for housing regardless of whether one buys or rents, and it sounds like you have a ton of other considerations ...
by 8foot7
Fri Dec 28, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2941

Re: What to do with 1k check for 9 month old son?

My point is that there is a difference between depositing funds made payable to your minors in your own account because the minors lack an actual bank account and then separately accounting for those funds — a spreadsheet, simple list on a sheet of paper, or otherwise — and depositing that money an...
by 8foot7
Fri Dec 28, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2941

Re: What to do with 1k check for 9 month old son?

My point is that there is a difference between depositing funds made payable to your minors in your own account because the minors lack an actual bank account and then separately accounting for those funds — a spreadsheet, simple list on a sheet of paper, or otherwise — and depositing that money and...
by 8foot7
Thu Dec 27, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2941

Re: What to do with 1k check for 9 month old son?

Open the UTMA account at Vanguard. Sign his name on the back of the check and deposit it for Investing. At least this is what I do and it has worked for me Thank you mortfree - I'll give Vanguard a call and see if this is a route we can take Put it in a target date fun. He'll thank you later! Best ...
by 8foot7
Thu Dec 27, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5361

Re: Ticket for speeding

I am in Charlotte. ALWAYS use a lawyer. You'll pay the same amount upfront but the lingering aftereffects of your ticket will probably disappear with a competent attorney. I suspect the school zone plus your previous PFJ will complicate things for you and your lawyer will do some wizardry and most l...
by 8foot7
Wed Dec 26, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan, Inheritance Situation
Replies: 16
Views: 1452

Re: Student Loan, Inheritance Situation

At that income taxes will take a significant bite out of your inherited IRA. Is this one you have to get everything out of within 5 years? I would spread your payments to the student loans out over that time in case you’re able to massage taxes later.
by 8foot7
Wed Dec 26, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 16
Views: 2033

Re: Niece divorce - house questions

There are several problems. The house in many states will be considered separate property of the husband’s since he is sole titleholder. So your niece may only be entitled to roughly half the value of any improvements made after marriage plus appreciation plus half of any principal pay down made out...
by 8foot7
Wed Dec 26, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 28
Views: 2482

Re: eBay Item not Received

After receiving a refund, about two weeks later, the items were re-listed. Same exact photos, verbiage etc. (basically a copy/paste) with the same buy it now price or best offer. Another buyer purchases one of the items for full asking price and a few days after item sells leaves positive feedback ...
by 8foot7
Sat Dec 22, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 54
Views: 4900

Re: Condor moved me from Business to Economy. Recourse?

Just dispute the charge and let the bank deal with it. You already tried once. How many people have actually disputed a charge in a case like this and been successful? The only time I've ever disputed a charge is when there has clearly been an error, such as with a duplicate charge. Several years a...
by 8foot7
Sat Dec 22, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 54
Views: 4900

Re: Condor moved me from Business to Economy. Recourse?

Victoria, I'm sorry you are going through such nonsense. I hope you ignore the "school of hard knocks" suggestion above. I'm reasonably confident that with some persistence you can get all your money back. You don’t even need persistence. One call to chargeback and it’s done. Sometimes this board a...