Search found 1472 matches

by 8foot7
Thu Jul 18, 2019 1:18 pm
Forum: Personal Investments
Topic: 2.5 million to invest for myself[35] and father[70]
Replies: 29
Views: 2408

Re: 2.5 million to invest for myself[35] and father[70]

Just my 2c but someone as sensitive to being given good advice as the OP seemingly is is probably up to some amount of no-good. Especially with stuff like “wouldn’t it be better to transfer all of the money to me now?” I’m out.
by 8foot7
Thu Jul 18, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value
Replies: 63
Views: 5943

Re: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value

I have returned to post an update. Last week I won my small claims court case for full amount + filing fees + cost of independent appraisal. I sued the other driver and his insurance sent me a check for the full amount. Funny as I would have settled for 1/4 of the amount I won. Did the defendant sh...
by 8foot7
Thu Jul 18, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 31
Views: 2430

Re: Harrassed at work, what steps to take to protect her future employment

Do NOT go to HR. I did. My manager and I met directly after my HR meeting. My manager knew every word I said to HR. HR is there for one thing....to protect the company and toe the company line. They care ZERO for you and do whatever is required in the "get rid of old people" policy. +2,000 HR shoul...
by 8foot7
Thu Jul 18, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 31
Views: 2430

Re: Harrassed at work, what steps to take to protect her future employment

3. As far as proecting her exisitng job...if she has any kind of diagnosed/documented disability (e.g. suffers from diagnosed axieity or another mental health issue) this might be a good time to request that the company engaged in an interactive dialogue with her and request an accomodation. I have...
by 8foot7
Thu Jul 18, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 33
Views: 2319

Re: How unpleasant is the home buying/selling experience??

I bought a starter home, under 2000 sq ft on almost half an acre for well under 150k, before I graduated college, back in the heady days where that kind of person could get a mortgage. It ended up being cheaper than rent but the house did not appreciate well, so if you compare purchase price to sale...
by 8foot7
Thu Jul 18, 2019 7:57 am
Forum: Personal Investments
Topic: 2.5 million to invest for myself[35] and father[70]
Replies: 29
Views: 2408

Re: 2.5 million to invest for myself[35] and father[70]

keenbrass, we sometimes have unmarried couples post here for investing advice. Since all advice is based on tax law, even though these couples see things as "family money", they are better served by holding separate portfolios. This protects each of them, and their children, from possible bad conse...
by 8foot7
Wed Jul 17, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Should i disclose my liability insurance policy limits?
Replies: 20
Views: 2263

Re: Should i disclose my liability insurance policy limits?

1) Ask your insurance carrier for their advice on a recorded line and keep the recording. Note name and number of rep. Typically these calls are already recorded by the insurance company so the one/two party consent doesn't come into play since you've already consented and they are already recording...
by 8foot7
Mon Jul 15, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6801

Re: Tenant turned off all utilities advice please!!

On the other side, the client would also have to hire an attorney to fight you on a lot of these things. So, if it's a matter of $500 to $1000 for cleaning and you have their deposit, most likely, you can just do as you please... Sort of. Many jurisdictions apply treble damages to landlord-tenant i...
by 8foot7
Mon Jul 15, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6801

Re: Tenant turned off all utilities advice please!!

+1 to extensive photos (think dozens to a hundred). Decide what is cleaning and what is repair (shower door off = repair, shower door dirty = cleaning). Keep receipts of all repairs. Find a deep clean service once you are done with repairs and keep the receipt; I suspect if the house is in that sort...
by 8foot7
Mon Jul 15, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 117
Views: 10542

Re: House not appraising for amount we were offered!

Whatever you do, do not get into an argument with the appraiser. Doing so could cause things to end badly for both you and your agent. The appraiser is unlikely to return your phone call or your agent's call, so this is pretty much irrelevant. They work for the bank and they know who butters their ...
by 8foot7
Mon Jul 15, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 117
Views: 10542

Re: House not appraising for amount we were offered!

To me, thats pretty significant -not talking $1000-$5000 difference between appraisal and your listing price. Are you sure your listing price isn't too high? (begs question of Realtor) Feel like info is missing. $20k difference on a home in that price range is significant, even in a sellers market....
by 8foot7
Mon Jul 15, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 117
Views: 10542

Re: House not appraising for amount we were offered!

I would not worry too much about this until you get a second buyer with a second appraisal that comes in too low, at which point you need to ask your listing agent if you are overvalued. After a couple of low appraisals, it doesn't matter if you think you are worth 255k if your buyers can't get a lo...
by 8foot7
Sun Jul 14, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7515

Re: No A/C in Office [not a safe work environment]

I think how you can react to this (and the outcomes of those reactions) depends on how much credibility you have built up in your current position. If you are a good employee, you can just say that you are working from home and to call you when the a/c comes back on and you will come back in. If you...
by 8foot7
Sun Jul 14, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Can an HOA ARB legally deny a request to install motion sensing SPOT lights
Replies: 19
Views: 2085

Re: Can an HOA ARB legally deny a request to install motion sensing SPOT lights

A lot of members will certainly not agree with me but I think for minor changes like lights, appropriate landscaping changes like shrubbery, and other small things, you should just do what you want. I would not make expensive additions or make changes that would be hard to uninstall later, should ex...
by 8foot7
Thu Jul 11, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3140

Re: Avoid MD-88s [commercial aircraft]?

Articles like this are the pinnacle of irresponsible journalism. And yet, there you are, engine parts banging audibly, smoke in the cabin, being urged to brace for landing ... still unimpressed. Glad there hasn't been a maintenance related crash in so long. Clearly, we've been doing something very ...
by 8foot7
Thu Jul 11, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3140

Re: Avoid MD-88s [commercial aircraft]?

I built a career hopping around the country on Mad Dogs and prefer them to the way most carriers have configured their newer planes. I’ll continue to fly them with confidence.
by 8foot7
Wed Jul 10, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1399

Re: Car Dilemma

Fixed it for you. Snore. A rougher-than-preferred ride on a 6 year old car with less than 60k miles is no reason to spend tens of thousands of additional dollars on a new vehicle. Can the Forester be traded in and the 2015 ES be gotten for roughly the same amount of money? I'd give up the SUV thing...
by 8foot7
Wed Jul 10, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1399

Re: Car Dilemma

Son gets the old Lexus You drive the Forester Wife gets whatever she wants. [was the old accord] Otherwise, you're talking spending multiple 10's of thousands of dollars needlessly. Fixed it for you. Snore. A rougher-than-preferred ride on a 6 year old car with less than 60k miles is no reason to s...
by 8foot7
Wed Jul 10, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Home Refinance
Replies: 25
Views: 1697

Re: Home Refinance

I would not bother going from 3.875 to 3.625 if you are prepaying so much.
by 8foot7
Wed Jul 10, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1399

Re: Car Dilemma

Son gets the old Lexus You drive the Forester Wife gets whatever she wants. [was the old accord] Otherwise, you're talking spending multiple 10's of thousands of dollars needlessly. Fixed it for you. Snore. A rougher-than-preferred ride on a 6 year old car with less than 60k miles is no reason to s...
by 8foot7
Wed Jul 10, 2019 8:16 am
Forum: Personal Investments
Topic: Locking in 50 to 80K to earn XXX bonus vs VTI - worth it?
Replies: 3
Views: 317

Re: Locking in 50 to 80K to earn XXX bonus vs VTI - worth it?

Just do the math but compare apples to apples. The brokerage bonuses are pretty much a no-brainer given you can continue to remain invested, so there is no trade-off. The bank bonuses/money market bonuses are different. You should compare the return of the account + bonus over the required lockup ti...
by 8foot7
Wed Jul 10, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 2761

Re: Pickup truck issue!!

I am normally almost always on the side of repair, but one thing to consider is that a dead truck that needs 3-5k worth of work is a lot harder to sell and get decent money out of than a working truck that needs 3-5k worth of repairs at some point in the future. You have an 11 year old truck that is...
by 8foot7
Mon Jul 08, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 69
Views: 5206

Re: (Tall) Buyer Beware: Honda Accord.

I am tall and had a similar problem in a new Camry. Only lost a few hundred dollars getting out of it which I chalked up to a failure on my part to really research the size of the car relative to someone like me
by 8foot7
Mon Jul 08, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and pension/401k/IRA split
Replies: 31
Views: 2574

Re: Divorce and pension/401k/IRA split

The best advice I can give you is remember that when you argue about something through an attorney, it’s costing you $90-100 each time. Assumptions: attorney is $350/hr with 15 minute minimums and “filing fees.” At those rates even modest disagreeemnts quickly exceed the value of the item in questio...
by 8foot7
Mon Jul 08, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3536

Re: Dealer shows trade-in value much higher to avoid sales tax

oko wrote:
How could they specify the trade-in value as $2,700 on the lease contract and report $21,000 on the registration paperwork, I have no explanation.
Again, it isn’t your problem until it is.
by 8foot7
Sun Jul 07, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: The Three Million Dollar Car
Replies: 25
Views: 2634

Re: The Three Million Dollar Car

As reliable as Corollas are, I suspect the 1919 model will need a lot of maintenance in the next five years
by 8foot7
Sat Jul 06, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Customer negotiating invoice payment
Replies: 17
Views: 1584

Re: Customer negotiating invoice payment

Well, I guess this thread resonates in harmony with the "do we negotiate a large hospital bill" thread in demonstrating that if you press for a discount, it seems like the majority of folks are inclined to give one.
by 8foot7
Sat Jul 06, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Customer negotiating invoice payment
Replies: 17
Views: 1584

Re: Customer negotiating invoice payment

Joe verbally agreed to more than 75 hours and now clams he didn’t? I don’t play that game. Full payment or the collections and attorney sequence begins. There is no negotiation; that’s done up front. If you have your time and materials basis memorialied in an email to which this guy has responded th...
by 8foot7
Sat Jul 06, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 1935

Re: Credit Union paid out on a stopped check from 2017

The T&Cs of most banks pretty much hold the banks harmless for processing just about anythjng. Stale, old, unsigned, not endorsed, signed with the wrong name, created remotely and unsigned, preprinted restrictions, restrictive endorsements, anything. If you look closely I suspect you’ll find your ba...
by 8foot7
Sat Jul 06, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 1935

Re: Credit Union paid out on a stopped check from 2017

So what is the best course of action to take if you want a check that is no longer in your possession to never be cashed if a stop pay doesn't work past 6 months? Close the account? Yes. Stop payments solve an immediate problem at a pretty high cost for a service with an expiration date. They’re me...
by 8foot7
Wed Jul 03, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Protect my inheritance from divorce with a trust?
Replies: 30
Views: 3238

Re: Protect my inheritance from divorce with a trust?

If you want to minimize the chance of a divorce, I would be upfront about this with your spouse. Tell her you would like to never spend it but rather save it for “our kids”. Ask her for her opinion on investing it and maybe she’ll have some good ideas. Not telling her anything or sharing your finan...
by 8foot7
Wed Jul 03, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26125

Re: Selling home- Demanding Buyer (Repairs)

Your property is obviously fine and continues to be in a seller's market so you have no reason to accept contingent offers. That was the correct decision. Appraisals almost always come in exactly where they need to be to support a purchase price - sometimes to the exact dollar. While it's not 2004 a...
by 8foot7
Mon Jul 01, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26125

Re: Selling home- Demanding Buyer (Repairs)

I guess I don’t understand why you are back on the market without the septic repair complete. Seems you’re inviting a world of hurt again.

Agree with RM. straight sale with only inspection and financing contingencies if any. No sale or closing contingencies for the buyer.
by 8foot7
Sat Jun 29, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4023

Re: New Landlord Here! Your Top Tips to include in a Lease?

Your local realtor group should have a form lease that complies with local laws. I would use that as a starting point and modify clauses from there, checking the legality of each change to make sure you’re not running afoul.
by 8foot7
Thu Jun 27, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3416

Re: Landlords - assessing amount security deposit to return?

So the PM needs to be informing me of the grade/lifespan of the carpet & paint being used. Good to know. OTOH I read a comment from an owner on BH saying that his lease specified leaving it in "move in conditon." In NJ, a landlord cannot (legally) require a tenant to leave a property in "move in co...
by 8foot7
Thu Jun 27, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3416

Re: Landlords - assessing amount security deposit to return?

When I rented in NC the units were generally repainted after each tenant as part of refresh/prep for move-in for the next tenant and that was considered general wear and tear, so normal nail holes for pictures and pinholes for posters were generally not charged to the deposit. Large holes requiring ...
by 8foot7
Tue Jun 25, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 39
Views: 4377

Re: Purchasing Major Appliances from Costco

Bought a full size Samsung refrigerator in Oct 2017 for new house. Price was the same Lowe’s at the time. Paid with Costco visa for 2% back plus 2% executive rebate plus double manufacturer warranty. Delivery was on time and set up perfectly. No complaints, very happy. I just remembered that the sam...
by 8foot7
Mon Jun 24, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4085

Re: Tenant identity theft issue on lease

As a landlord, I had requested SSN, Credit reports from tenants (mother & daughter). Lease had both mother and daughter's names and mother sent lease back with both signatures. I am dealing with rent delinquency and daughter is indicating that it is not her signature on the lease document. Any sugg...
by 8foot7
Mon Jun 24, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: PROBLEM RESOLVED! - Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 46
Views: 3445

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

You will win this if a window seat is in the plans that are attached to your contract. What if there are no plans attached to the contract? When we built, we defintely did not sign a contract that had plans attached. Rather, we said we would buy a particular floorplan number. It's hokey, but that i...
by 8foot7
Mon Jun 24, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: PROBLEM RESOLVED! - Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 46
Views: 3445

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

You will win this if a window seat is in the plans that are attached to your contract. You will not win a price concession, but you will get your window seat. Reason being, someone on the framing job forgot the window seat and that means the builder can charge back the entire cost of the window seat...
by 8foot7
Thu Jun 20, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 6775

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

OP can apparently work in any of these places. You’re confusing price of housing with career options. We don’t know exactly how unhappy his wife is, we just know she’s unhappy. If she’s unhappy enough, the cost of spousal and child support will be more than the cost of living someplace they both ag...
by 8foot7
Thu Jun 20, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 6775

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

OP, You don't mention what YOU want. I suppose that should be a higher priority considering you are the sole breadwinner. This. It seems like you're letting your wife drive your location decisions when you're the one with the employment. (That's in no way to diminish how hard it is to be a stay at ...
by 8foot7
Thu Jun 20, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4176

Re: Career advice — asking for the “gray hair perspective”

Hello friendly Internet strangers - an update on this. It turns out that my supporters within my division (which included several partners) proactively reached out to the head my division (1 level down from CEO) to ask what could be done. The head of my division invited me to dinner last night and ...
by 8foot7
Thu Jun 20, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4176

Re: Career advice — asking for the “gray hair perspective”

Did you consult with the rabbi, priest, and imam in a bar?
by 8foot7
Thu Jun 20, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3743

Re: How to ensure POA is acting in best interest of grantor?

Has OP actually asked mother/grantor about things? I read though and didn't see a reference except asking sister about the expenses. But what about asking mom since it's her money?
by 8foot7
Thu Jun 20, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3743

Re: How to ensure POA is acting in best interest of grantor?

To expand somewhat on my original note, I would NOT be happy at a family member demanding receipts and full accounting on a regular basis, if for no other reason than the time required to maintain such records. This. Family member is owed no duty at this point by mother or daughter to account for m...
by 8foot7
Thu Jun 20, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 14601

Re: Moving to North Carolina from NYC

Whenever I see a question like this, my first reaction is "please, don't." DW and I are both Southern. We moved to Durham after college, in 1976. We voted with our feet in 2001, moving to Raleigh. We're "at home" in NC culture, and particularly like the culture and attitudes of the "educated South....
by 8foot7
Thu Jun 20, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: HR telling my wife not to contribute 100% of her salary to 401k
Replies: 24
Views: 4438

Re: HR telling my wife not to contribute 100% of her salary to 401k

Our HR department has to deal with a couple of these folks that work 30 hours a week and send their entire salary to the 401k. They are required to pay their fairly minimal FICA and other taxes by December 31 of the calendar year. They get sent an estimate in November and a final bill in December, I...
by 8foot7
Thu Jun 20, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4291

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

The reason you buy a Toyota is because they're so straightforward maintenace-wise. Liek others said, tell them you wanted the 30k mile service as shown in the owner's manual that came with the car you bought from them and you won't pay for anything else. In the future, tell them you want only the re...