Fatwallet.com Finance Our Mission - Serve consumers with knowledge, value and guidance. http://www.fatwallet.comhttp://www.fatwallet.com/rss_tv.php?c=52FatWallet.comhttp://www.fatwallet.com <![CDATA[Whats the right way of realestate inv]]> http://www.fatwallet.com/forums/finance/1454093/ Rating: 0 Posted By: VAIndigo
Views: 95 Replies: 2

Reassessing my RE Inv i realize that I mayn't be having a sound plan. All my RE inv is in DC suburbs. While there was some appreciation in early 14, after that it got stagnated. and given the price levels, it mayn't appreciate anytime soon in this area.(My gut feel)

A 250 - 300k could buy only 3 condos with 25% down in this area(I only prefer professional livable areas). Renting is barely breaking even. I hardly see a 15% (paper) appreciation in 24 months. I keep hearing from some people investing in multi unit or complexes for cashflow and appreciation. Either my RE agent is a bum or i am approaching wrong professional for guidance. Is there a RE agent specialized in investments?

If i keep my options open, what would you suggest - if i closeout on these properties, where to invest now? Which area RE is a better investment now. Also is going the condo route is better or can i get a decent multi unit/complex for 300k investment in different part of the country?

Sure, i need some expert guidance


Real Estate Deals

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http://www.fatwallet.com/forums/finance/1454093/ Wed, 29 Jul 2015 08:04:24 -0500
<![CDATA[Former NBA All-Star working at Starbucks after Losing Fortune]]> http://www.fatwallet.com/forums/finance/1454056/ Rating: 2 Posted By: anonguy
Views: 540 Replies: 6

Seems like these stories are appearing more and more. I remember Vin Baker, too.

You would think teams would bring in advisers (non-commissioned, of course) for these guys. Or at east point them to this forum and bogleheads.

Link


Discussion Deals

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http://www.fatwallet.com/forums/finance/1454056/ Wed, 29 Jul 2015 01:22:33 -0500
<![CDATA[UCLA Health System - Cyber attack - 4.5 million patient's personal data potentially compromised]]> http://www.fatwallet.com/forums/finance/1454052/ Rating: 0 Posted By: bighitter
Views: 245 Replies: 0

I received a letter today from UCLA Health stating that a cyber attacker accessed UCLA's health system network.

Per the letter, UCLA brought in the FBI to investigate and discovered that attacks began as early as September 2014. UCLA hired MyIDcare to provide free credit monitoring service for 12 months. The letter states that "MyIDcare services include: 12 months of complete identity and restoration services, a $1 million insurance reimbursement policy, the Healthcare Identify Protection Toolkit, educational materials and complete access to ID Experts fraud resolution representatives."

The envelope looks like the typical school donation solicitation, thus I am bringing this to the attention of FW Finance forum members so those who might be affected open the letter. The letter contains a unique security code to sign up for monitoring.

The only medical treatment I have received at UCLA was well over 8 years ago so the breach must be extensive.

For those who are interested, I found this article in a Google search (together with several others) discussing the cyber attack http://www.forbes.com/sites/katevinton/2015/07/17/4-5-million-ucla-health-patients-data-compromised-in-cyber-attack/








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http://www.fatwallet.com/forums/finance/1454052/ Tue, 28 Jul 2015 23:27:48 -0500
<![CDATA[Safe buying AA insured Puerto Rico bonds?]]> http://www.fatwallet.com/forums/finance/1454045/ Rating: 0 Posted By: GoldenSacks
Views: 361 Replies: 5

How smart or foolhardy would it be to buy "Assured Guaranty" (AA) or "National" (AA) insured Puerto Rico bonds with high yields (underlying ratings for these bonds are in "C" territory)?


Question Deals

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http://www.fatwallet.com/forums/finance/1454045/ Tue, 28 Jul 2015 21:39:27 -0500
<![CDATA[Gas station/convenience store business]]> http://www.fatwallet.com/forums/finance/1454018/ Rating: 4 Posted By: ithinksgreen
Views: 1402 Replies: 18

Hi guys,

I have been trying to dig the information to find out what it takes to set up a gas station or a convenience store. I am sure some of us might have dig deep into this. I am trying to know like how much capital it might need to start up the business, is it good to buy a established one or set up yourself, franchise or no franchise, loans, is it full time job or a employee could run it for me etc

Any input is appreciated


Question Deals

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http://www.fatwallet.com/forums/finance/1454018/ Tue, 28 Jul 2015 18:58:12 -0500
<![CDATA[YMMV - AllClear Account Protection, free renewal/extension.]]> http://www.fatwallet.com/forums/finance/1453989/ Rating: 0 Posted By: BenH
Views: 279 Replies: 1

So, I was enrolled in the AllClear PRO services after some data breach or another (who can keep track). My service was expiring in a few months.
Luckily - I was a party in another data breach from an old employer! They offered me 2 years of AllClear PRO service and mailed me instructions with a redemption code.

When I tried to renew using the redemption code online it told me that because I was already a subscriber that I couldn't do this online and instead I should call:
1(877)441-3004

I called that number and told them that I was a current subscriber and that I wanted to extend my subscription with this redemption code sent to me by my old employer.

The guy confirmed the following with me:
1) Name
2) e-mail address
3) Who initially provided me the AllClear subscription - this I couldn't answer him as I have no recollection of which data breach provided these services to me.
4) He also asked if I ever called *this* number before. I said no.

Then he went ahead and extended my subscription 2 years. I asked him if he didn't need the redemption code I was sent and he said no - that he could just do it.

Soooo...I would think that anyone could call and say the above to get an extension...

It is possible though that they contracted with my old employer and they actually have me "tagged" as being eligible.


Deal Deals

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http://www.fatwallet.com/forums/finance/1453989/ Tue, 28 Jul 2015 16:52:22 -0500
<![CDATA[Experiences with Citi and JPM]]> http://www.fatwallet.com/forums/finance/1453973/ Rating: 0 Posted By: jwuk
Views: 351 Replies: 0

Hello,

Long time lurker, first time poster.

I am relocating to California from Europe, and have existing private banking relationships. I have met and screened out several wealth management/private banking firms, the two I am seriously considering are Citi and JP Morgan. They are very close in comparison, and I am looking for honest reviews on dealings with both.


Investing Deals

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http://www.fatwallet.com/forums/finance/1453973/ Tue, 28 Jul 2015 15:13:22 -0500
<![CDATA[Car was hit in valet parking garage]]> http://www.fatwallet.com/forums/finance/1453958/ Rating: 0 Posted By: coolmind
Views: 1234 Replies: 33

I know this is repeating topic. but i have little different situation

i went to resort for an event, and parked car by myself in parking garage after asking valet guys where do i selfpark. i thought it would be better to park myself than asking how much do you charge for valet.. i save money when i can... after few hours, my wife went to car as it was little cold and event was about to end. one of the employee came in customer's Mercedes and tried to park next to my car, and scratched the car door with the car. and then he left. my wife confronted him but he literally ran. so i talked to their employees/supervisor on that day (Sunday)

now, I just talked to them and they said as I parked the car by myself, they can't cover anything. i have to go through my insurance. i can go through my insurance, but that's how it works? their employee can do anything and can get away with that as long as the car is not parked by them? i also asked for the footage, but i doubt if they allow me to see that.

plz help


Personal Finance Deals

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http://www.fatwallet.com/forums/finance/1453958/ Tue, 28 Jul 2015 13:52:36 -0500
<![CDATA[Chase Balance Transfer Offers YMMV]]> http://www.fatwallet.com/forums/finance/1453916/ Rating: 3 Posted By: Thrilla
Views: 1187 Replies: 10

For the first time in years, I received promotional BT checks from Chase in the mail. Offer is 2% fee (no cap), 0% until statement ending in 9/2016, which to me is not a bad offer. The most appealing aspect of this to me is that the offers I received are for one of my business credit cards that I only use for 3% Cash Back at restaurants. Business lines are not reported on my personal credit report so I can carry high utilization on these cards without it affecting future credit plans (looking to potentially purchase a new property in the next 12 months).

To see which of your cards are eligible go to:​https://www.chase.com/credit-cards/balance-transfers

You can complete a BT online but I called in to request checks which they are sending to me overnight.


Credit Deals

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http://www.fatwallet.com/forums/finance/1453916/ Tue, 28 Jul 2015 08:54:35 -0500
<![CDATA[Targeted PenFed Platinum Rewards CC spend $1000, get $100]]> http://www.fatwallet.com/forums/finance/1453880/ Rating: 5 Posted By: BostonOne
Views: 769 Replies: 13

I sock-drawered my PenFed Platinum Rewards card when they devalued their reward options. Just got an email stating that I will get a $100 statement credit if I spend $1000 on the card between now & October. The statement credit shows up 2 months after the promotion ends, so technically, it's a spend $1100, get $100. Obviously, YMMV since this is a targeted promo.


Credit Deals

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http://www.fatwallet.com/forums/finance/1453880/ Tue, 28 Jul 2015 04:40:25 -0500
<![CDATA[Who would be at fault in this accident?]]> http://www.fatwallet.com/forums/finance/1453862/ Rating: 0 Posted By: thisislife
Views: 1445 Replies: 51

Wanted to see what you all think. Hope there is a adjuster present.

Two lane highway one northbound one southbound, separated by a double yellow. Vehicle traveling northbound signals to turn left into a driveway.. Waiting for (oncoming) vehicles traveling southbound to pass by. Once oncoming traffic is clear driver of car initiates left turn into private drive. While car is turning, tractor trailer who was attempting to overtake left of the double yellow strikes the vehicle that is turning about 3 foot behind drivers door. The driver of car is rendered unconscious. The tractor trailer says the car had a right turn signal on but there was no driveway or road to the immediate right and only about a 12 inch shoulder. This is a highway with posted speed of 50 mph. Police report list contributing factors none for the car and for the tractor trailer is marked failure to maintain lane of travel. Also all skid marks from tractor trailer were in left (oncoming) lane, left of double yellow. 200 feet of skid marks including 100+ after car was struck. Passenger of car said truck never sounded horn etc.

who is likely at fault as no word from insurance just trying to gather what others think.

thanks


Insurance Deals

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http://www.fatwallet.com/forums/finance/1453862/ Mon, 27 Jul 2015 23:59:42 -0500
<![CDATA[Can I reject a medical exam during insurance application without consequences?]]> http://www.fatwallet.com/forums/finance/1453856/ Rating: 0 Posted By: tjhar
Views: 1490 Replies: 38

I've been planning to update/increase my insurance limits for a while now, and with the limits I am looking for, I may be subjected to further medical examination.

I have been reading up on the details of a "typical" medical examination that insurance companies order. I must admit after reading the details I don't like it one bit, since they are extremely invasive and literally test almost everything under the sun (from blood pressure, cholesterol, drugs, kidneys, liver, pancreas, liver, heart, EKG, HIV, etc.) and seems to be designed to "find fault" with the applicant. Then, the information gets reported to the MIB, a database that every insurance company shares. From what I am seeing, I can be screwed for life (from an insurance standpoint) if my results don't come back completely clean. Of course, thanks to the ACA my health insurance will not be affected, but future life insurance, disability insurance, long-term care insurance, etc... will all be affected.

Does anyone know what the consequences of refusing a medical examination will be? For example, if I apply for insurance with Company A, and they get back to me requesting a full medical examination, can I flat out refuse and cancel the application without any further consequences? By further consequences, what I mean is that I plan to go on Company B, C, D, etc... until I can find one that can accept/underwrite me without excessive medical tests. Do insurance companies communicate with one another during the application process, e.g. a withdrawn application is recorded in some database that is shared between the various companies, or perhaps all active insurance applications are logged with some database that is shared between the various companies so they know where else you are applying to?

The other approach that I am thinking of, which I think is a better idea, is to simultaneously apply for all the insurance I need from 3-5 different companies, and then once the results get back, I pick the one with the best offer. Now, I know that many insurance asks you if you have existing policies, to which I will state the truth - I will only list my policy that I bought 6 years ago. Since I apply for all policies at the same time, not declaring them is not lying, since I don't have them! A slight variation would be the question that asks if you are planning to apply for policies, to which I will invoke a shade of grey by justifying that I apply to 3-5 different companies but have the intention to keep only one of them. In the worst case scenario, I also read that the "statues of limitation" of misrepresentation (if you could call it such) is 2 years, so after 2 years I will be "safe". I've run this by one of my agents, and he doesn't like the idea, and my impression is that he doesn't want to do the extra work (since he will be submitting 5 applications, but will only be getting the commission on the 1 policy that I accept). So my plan is to engage a few agents and submit them independently from one another.

Thoughts?


Question Deals

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http://www.fatwallet.com/forums/finance/1453856/ Mon, 27 Jul 2015 21:50:07 -0500
<![CDATA[Scam Collection Notice - Pics Included]]> http://www.fatwallet.com/forums/finance/1453854/ Rating: -2 Posted By: Meneur
Views: 987 Replies: 12

Short run down of story. About a month ago I received a bill saying I used a calling card on an old phone number that hasnt been active in 11 years. I laughed my ass off and waited for this moment.

Since I ignored 2 total bills they sent me a debt collection notice. On the first 2 bills, they used my full legal name. On this debt collection notice, they changed the name to David, so I left it for amusement purposes. I did throw away the first 2 bills because I didnt think a company was this stupid to actually pull this, I guess I was wrong

So how can I ride this out for maximum profit? They also sent the debt collection notice with a from address "Billing Services" which I have a pic of as well...

I used to follow codename47 not sure if he still posts


Discussion Deals

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http://www.fatwallet.com/forums/finance/1453854/ Mon, 27 Jul 2015 21:31:22 -0500
<![CDATA[finding exact info about foreign trips]]> http://www.fatwallet.com/forums/finance/1453847/ Rating: -4 Posted By: mk1039
Views: 821 Replies: 19

hi, i have traveled out of US a couple of times in the last 5 years. i want to know the exact dates when i traveled and days out of US. is there any place where i can get that info. i cannot find the records of my past traveling.


Question Deals

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http://www.fatwallet.com/forums/finance/1453847/ Mon, 27 Jul 2015 19:52:36 -0500
<![CDATA[Tax implications when you run a home based business]]> http://www.fatwallet.com/forums/finance/1453818/ Rating: -1 Posted By: maxrules
Views: 631 Replies: 10

Hello everyone

My wife and I are the only owners of an LLC (treated as partnership) which is home based. I am aware of potential deductions (and caveats) associated with it but was seeking advice on the following matter:

Since we are partially using our house as hub for business (about 33%, the entire basement), does it mean that we have to report to the IRS depreciation of the house every year (by a third of regular depreciation value) and does it mean we cannot itemize in schedule A mortgage interest and taxes as we normally used to do? Or how does it work exactly? Right now we are reporting about 20K between mortgage interest and taxes on our schedule A and no depreciation since we live in the house and have no rental income - will it change now that we have a home based business?

And on depreciation do we have to report only the fraction (33%) that corresponds to the business use of the house or total depreciation (as if we wer renting the house) every year?

Thank you
Max


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http://www.fatwallet.com/forums/finance/1453818/ Mon, 27 Jul 2015 17:07:15 -0500
<![CDATA[Charging rent of home to your business]]> http://www.fatwallet.com/forums/finance/1453813/ Rating: 0 Posted By: maxrules
Views: 784 Replies: 9

Hello ,

I hear that if you have an S corporation you can rent your house for up to 14 days and not having to declare that income to the IRS (while being able to deduct those expense from your corporation) - - my question is: is still also valid if you treat your LLC as a partnership or does it apply solely to S corporations?

Also am i correct in assuming that the most important conditions for this to 'fly' with IRS is that meetings are business related and that the daily rents are reasonable?

Thanks
Max


New User Question Deals

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http://www.fatwallet.com/forums/finance/1453813/ Mon, 27 Jul 2015 16:24:01 -0500
<![CDATA[Landlord not collecting rent]]> http://www.fatwallet.com/forums/finance/1453806/ Rating: -23 Posted By: clachotebi
Views: 1536 Replies: 27

It has come to my attention that I have inadvertently neglected to pay rent for more than 6 months. I have already moved out of the apartment. The landlord has not collected any amount or asked for any payment since I stopped paying. This landlord is not very on top of things. Ive had issues in dealing with him before which strongly suggest that he hardly bothers to think about the rentals. I think there is a chance that he will simply not notice the non-payment. The amounts involved are substantial, 3k-5k per month range. State is New York.

At the moment I'm not doing anything and hoping that the landlord simply does not notice. Apart from Karma, Is there anything I should be concerned about ? Am I taking some sort of risk other than just having to pay the back rent ? If he does notice, should I try to get him to settle for a lower amount ?

Using throwaway account.


Personal Finance Deals

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http://www.fatwallet.com/forums/finance/1453806/ Mon, 27 Jul 2015 15:09:06 -0500
<![CDATA[Cancel Home "Warranty" after closing for Fun and Profit?]]> http://www.fatwallet.com/forums/finance/1453800/ Rating: 0 Posted By: Bend3r
Views: 1325 Replies: 20

My agent/broker still got me to leave in the home warranty in the contract, and was pretty resistant when I asked about just moving that to the price. I can see leaving the home warranty as making the listing agent happy and also having a fake inflated "sale price" psychologically better to the seller even though their net proceeds would be the same either way. I haven't picked the warranty company yet. However, looking at AHS which my broker suggests (which a disclosure I was required to sign shows the listing agent gets a kickback from, but mine does not), they seem to allow cancellation within 30 days with no administration charge.

The "warranty" seems like it's pretty useless when I go over the terms... that topic's covered elsewhere though.

Here's the terms from AHS regarding cancellation in first 30 days, I haven't checked yet to see if other companies might have a better cancellation policy:
"2. The customer may cancel this contract at any time and for any reason.
3. If the customer or AHS cancels the contact within the first 30 days following the beginning of the contract term:
(a) if AHS has not provided any services, the customer will receive a full refund of all contract fees paid;
(b) if AHS has provided services ..."

It's also interesting (and seems a little outrageous) that if you incur warranty costs and AHS cancels on you, they can charge you a full year's premiums even though they cancelled you well before the year was over (or even in the first 30 days)!

Two questions:
1.Does it seem like a good strategy to get the home warrantysolelywith an intention to cancel immediately after closeor at worst at ~25 days and recouping the costs my seller will pay for the warrantythrough a cancellation refund? Are there any flaws in this plan?I'm assuming it can be paid in closing "by the seller" and then the refund would come back to me as a check. I've been pretty annoyed at the listing agent as well for various minor things, so I'd probably wrongly derive a little satisfaction with hitting her with a charge-back on her AHS commission.

2. Are there suggestions of other home warranty plan companies that have a better cancellation policy?
edit: Updated because i misread cost to cancel on AHS policy. No admin fee applies in first 30 days. TotalProtect also appears to not have any administrative fee for cancellation in 30 days. So, then I should be able to get the whole $560 refund.
Terms from TotalProtect:
"1. You may void this Agreement within 30 days of the coverage effective date for a full refund of the contract fees paid if no claim has been made. The right to void this Agreement as provided in this paragraph is not transferable. A ten percent penalty per month will be added to any refund required under this paragraph, including any accrued penalties, that is not paid or credited within 30 days after termination of this Agreement pursuant to this paragraph."


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http://www.fatwallet.com/forums/finance/1453800/ Mon, 27 Jul 2015 14:30:03 -0500
<![CDATA[Varoufakis and "parallel payments"]]> http://www.fatwallet.com/forums/finance/1453760/ Rating: 0 Posted By: shinobi1
Views: 432 Replies: 0

This "parallel payment system" is not of much interest as related to Greece . . . at least not to me. But I think elsewhere it could, in time of financial crisis, become an alternative to "bail-ins".

Varoufakis is a creative chap, if nothing else. I enjoyed the way he hacked his own systems . . and others :

Parallel payment system


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http://www.fatwallet.com/forums/finance/1453760/ Mon, 27 Jul 2015 11:03:45 -0500
<![CDATA[International Travel & Credit Card / Cell Phone]]> http://www.fatwallet.com/forums/finance/1453755/ Rating: 0 Posted By: ChinaRider
Views: 739 Replies: 12

Wife will be traveling to London and also Paris next month. I'm hoping someone here can tell me the best approach with regards to credit cards and cell phone in order to avoid any unexpected costs.

First, the credit card. I assume the safest thing to do is just call each card and ask what kind of foreign transaction fee they have, with the hope that at least one of them has no foreign transaction fee. Anything I'm missing? We have the following cards to choose from:

  • PenFed Cash Rewards Visa Platinum
  • Chase Freedom Visa Signature
  • American Express Starwood Preferred Guest
  • Discover More
  • Chase Hyatt Visa
  • Costco American Express
  • Lots of store-branded cards (Target, Kohls, Macy's, etc.)

Next, the cell phone. We are on Verizon and she has a Samsung Galaxy S3. Is there any way for here to use this in Europe without incurring huge charges? I'm okay with just telling her no cell phone but don't really know if there's a way to use it over there with reasonable charges.

Any advice you can provide is appreciated.


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http://www.fatwallet.com/forums/finance/1453755/ Mon, 27 Jul 2015 10:34:46 -0500
<![CDATA[Target GCs stolen online]]> http://www.fatwallet.com/forums/finance/1453747/ Rating: 2 Posted By: gongqin
Views: 672 Replies: 0

I had an almost exact situation as the link below that happened lately.
http://www.fatwallet.com/forums/finance/1367896/

The only difference was that I have multiple cards, one was a digitally delivered as a bonus from a previous online purchase (so it definitely not a stolen card number from in store card purchase). They were all stolen at the same time to a mobile phone. Target said there is nothing they could do. They could not even tell what number the money went to (like they are protecting the thief). I think they are responsible for this theft. I only log into my account from a single machine at home. No one else outside my home could access it. We all heard that Target had online security breaches and there could also be bad employees that accessed customer accounts. Shouldn't they investigate what happened before just saying there is nothing they could do? Anyone else had similar experiences? What else can be done? This made me feel really unsafe with their web site.


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http://www.fatwallet.com/forums/finance/1453747/ Mon, 27 Jul 2015 10:20:08 -0500
<![CDATA[Discover Reward Merchant Classifications]]> http://www.fatwallet.com/forums/finance/1453559/ Rating: 8 Posted By: atghate
Views: 2064 Replies: 13

I had been looking for this list for a while Could get it anywhere. Let try to put it together.

DISCOVER CLASSIFICATION FO MERCHANTS FOR REWARD PURPOSE

Home Improvement
Does Include:

Ace Hardware
Benjamin Moore
Coit
Empire Today
Floor & Decor
The Home Depot
Lowe's
Lumber Liquidators
Menards
Sherwin Williams
Stanley Steemer
TrueValue

Does not Inlucde.
Ikea
Jordens Furniture

Departmental Store:
Does Include
Belk
Bloomingdale's
Bon-Ton including:
Bergner's
Boston Store
Carson's
Elder-Beerman
Herberger's
PARISIAN
Younkers
Boscov's
Burke's
Dillard's
JCPenney
Kohl's
Lord & Talyor
Macy's
Neiman Marcus

Does not include:




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http://www.fatwallet.com/forums/finance/1453559/ Sat, 25 Jul 2015 20:44:49 -0500
<![CDATA[HOA Enforcement]]> http://www.fatwallet.com/forums/finance/1453548/ Rating: 0 Posted By: master44
Views: 3349 Replies: 64

We live in a covenanted HOA community with strict guidelines for how yards must be maintained; next door to us is a rental property that hasn't been properly maintained for years. Recently a professional athlete moved in and the yard has gone to crap, weeds are 2-3 feet tall, grass and trees dead.

We contacted the HOA management company in May and they sent out notices and told me in late June that they would be issuing $100/day fines starting in July unless the property was brought into compliance.

Last week I wrote the HOA property management company for a status and was told that the owners in collaboration with the renters have verbally refuted the HOA's compliance claims and have stated that they believe they are being racially targeted.

The yard is really bad and there is no question that it is not being maintained, however the race card being thrown out was enough for the property management company to not initiate any fines and stop perusing any action. Their stance is now "we will continue to follow up to try and gain the owners compliance regarding the various concerns at their property", but have ceased issuing any fines.

My gut tells me the racial claims and them being a high profile athlete was enough to intimidate the HOA and management company.

As for me I could care less that they are an athlete and would just like the neighborhood maintained per the covenants. Would I be wasting my time in contacting a lawyer? Does the HOA and management company have a fiduciary duty to enforce covenants? Can an HOA selectively fine individuals and let others slide?


Discussion Deals

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http://www.fatwallet.com/forums/finance/1453548/ Sat, 25 Jul 2015 18:03:53 -0500
<![CDATA[Airline lost my baggage]]> http://www.fatwallet.com/forums/finance/1453528/ Rating: -2 Posted By: IGWTX
Views: 2236 Replies: 43

A major airline (only 3 exist!) lost my baggage. I had 2 large checked bags with items like laptops, few art work (about $500), ipad, a DSLR camera and 4 pieces of suits/dress. I was shuffled between 4 different flights on wait list and I bet my bags went in a different flight to somewhere.

Long story short, they did not find the 2 bags even after 45 days, said I can file a lost baggage claim.
By policy, the airlines do not cover anything other than clothes if you have proof of purchase.

I had proof of purchase for the suits/dress and other covered items and filed a claim for about $2k (my real loss was about 4k), they said they feel very sorry and all those nice stuff, but paid out only $1000.

Should I cash the check or wait and ask for more?
What are other fruitful means I can do to get adequately compensated for my loss?
Take them to small claims court?
Any other option?


Discussion Deals

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http://www.fatwallet.com/forums/finance/1453528/ Sat, 25 Jul 2015 12:45:42 -0500
<![CDATA[Help with investment options]]> http://www.fatwallet.com/forums/finance/1453526/ Rating: 2 Posted By: IGWTX
Views: 1738 Replies: 18

We have about $75k saved in a FDIC 0.99% APY account. We want suggestions of how we can strategically diversify and invest in something other than equity markets.
Currently, we feel a large portion of our assets are tied into stock & bond market mix for age (~$370k) mainly through retirement accounts/ taxable brokerage accounts like Vanguard etc as they are the only options available from those accounts.

I am 30, my husband is 31, married, 1 toddler (<1YO).
Both max out 401k, roth IRA, HSA etc.
Emergency Fund: $50k in FDIC savings+CDs + i-bonds - separate from this $75k
Have saved $11k for college for now.
Taxable brokerage accounts are about $70K
As coin collectors we have ~$15k in precious metals.

Debts:
0.49% - Auto Loan (16mo left) - $8k left
We pay credit cards in full every month - make sure we do not pay interest
Mortgage#1 Primary at 3.25% (26 yrs left), so do not want to put much into into it for now.
Mortgage#2 rental property (25 yrs left), positive cash flow, prefer not to sell now, as we will owe taxes.
No other debts

Some investment thoughts:
1. How is the idea of buying small SFR in Dallas/Austin/Rayleigh/Richmond VA/Kansas city/Atlanta suburbs as rentals. Which city can be good for investment property?We live near West Coast - how good is this idea?
Have to take out a investment loan to fund the purchase, rent it out, manage the rental etc., Not sure if the mortgage interest is tax deductible
If this a good idea even - should we wait to save more (~$150k) and not take a loan, to dosomethinglike this?

2. We are 2nd/3rd generation Americans - we have no ties to those asian countries, we might just only visit occasionally, but we can buy investment properties there - I am seeing Asian economies are growing - how good is that option?
Apartments go for about $150k, but the rents are as low as 180/month, but historically property values have appreciated at 20% a year there.
Con: exchange rate risks. Pro: We have another ~$70K in high yield account in that country (@ current exch rate, bringing it back is a loss), we can supplement, our savings from here with this (total:~$150k) to do some investment there.

3. Any other viable (non-insane) investment options other than US/world stock & bond market?

I bet there are many people in the same/similar situation, what did you do?

Thanks for the help.

-IGWTX girl
Note: My husband is not ready to blow that money in a car or a fantasy etc.,
Appreciate some serious suggestions, though I like the humor here in this forums. Thanks!


Investing Deals

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http://www.fatwallet.com/forums/finance/1453526/ Sat, 25 Jul 2015 12:15:57 -0500
<![CDATA[Biweekly Mortgage Savings Program]]> http://www.fatwallet.com/forums/finance/1453489/ Rating: 0 Posted By: SweetClover
Views: 1308 Replies: 21

I'm a first-time homeowner. I was warned by my lender that I would get all kinds of mail looking like it comes from them. So far, I have received numerous solicitations for insurance to cover my mortgage in case of disability or death (don't need, tossed in recycling bin). Today I received something about a Biweekly Mortgage Savings Program. It all sounded interesting to me (see attached). I could save money by using such a program. But, I decided to search first, and see what's out there. Amid all the websites for this service, I found a few articles. http://newpittsburghcourieronline.com/2009/10/01/biweekly-mortga...and http://www.nytimes.com/2011/07/03/realestate/the-benefits-of-a-b...It appears you can do your own Biweekly Mortgage Savings Program, and cut out the middleman who profits from your using their plan. Generally you are making an extra payment each year which you have apply to the principal only. Has anybody done this with one of these services? Or did it on their own?

ETA: Deleted images, question answered, not needed.


Real Estate Deals

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http://www.fatwallet.com/forums/finance/1453489/ Sat, 25 Jul 2015 00:30:09 -0500
<![CDATA[Car Buying, Dealer Shenanigans, Georgia Regulations]]> http://www.fatwallet.com/forums/finance/1453479/ Rating: 0 Posted By: Un4GiveN
Views: 1682 Replies: 27

Hi Everyone,

I'm currently in the process of purchasing a vehicle (not a Crown Vic) and I've run into an issue that I'm not sure how to resolve or if I should just walk away. Here is the story:

I found a used vehicle for its advertised price and contacted the dealership (car is in Georgia and I'm in Texas). We started to go over any issues the car may have, if they could send me pictures (they had just gotten into the dealership after they purchased it on via a Manheim Auction and didn't have any uploaded), and list of what was done to the vehicle when they received it. They advertised it on their lot as certified pre-owned. As you may or may not know, you can usually purchase a vehicle without the CPO moniker and they will reduce the price. In my case the charge is $900 to CPO with the manufacturer. I confirmed with many dealers of the same manufacturer to make sure it wasn't more or less. They had already performed the the 152 point checklist and replaced the rear tires, wipers, and fixed the nav unit.

So we negotiated a pricewithout the CPO and all is good. I ask for a buyer's order to review everything before I try to get my own inspection done by a 3rd party and fly out there. Lo and behold I see that they are adding a $599 dealer fee on TOP of the price we talked about.

Here is the kicker:

I'm buying the vehicle in Georgia and I did some research on how to eliminate or negotiate a lower dealer fee.
I came across this:http://consumer.georgia.gov/pdf/AAEP.pdf
This is theGOVERNORS OFFICE OF CONSUMER PROTECTION AUTO ADVERTISING AND SALES PRACTICES ENFORCEMENT POLICIES booklet.

Scroll to page 11 and you will see what I copy/pasted below:

Advertised prices must state the actual total purchase price of the vehicle, excluding only government fees, which include tax, tag, title and WRA (Warranty Rights Act) fees. All additional fees must be included in the advertised price. Any advertisement which lists a price "plus" some additional amount will be considered to be deceptive. By way of illustration only, not meant to be exhaustive, the following are examples of fees that MUST be included in the advertised price of vehicles:
1. Additional fees, such as document fees, documentary fees, lot fees, processing fees, administrative fees, customer services fees, and any other terms of similar import;

Therefore; I asked them if the price they advertised included the document fee and the salesman stated no. I then proceeded to send him what I linked above, and told them they cannot charge me for the document fee they failed to disclose in the advertised price. The salesman said he will go to his used sales director and let him know as he did not know about this.

I received a call not 15 minutes later stating they will include the dealer fee in the advertised price, but will no longer be able to remove the CPO designation that is $900. I quickly pointed out that they are skirting the issue and trying to transfer lost profit from one avenue to another. He said that the used car director no longer wants to sell it without CPO, because they've already paid to make it CPO eligible and they would lose money. Again, I let them know that reconditioning the vehicle is an expected cost when buying from auction. By the way, I know exactly how much they paid for the vehicle and what condition it was in before. Needless to say, it was pretty clean.

At this point, it is in my belief that they are breaking regulations and will not honor the pricing they had agreed to. I tried looking everywhere on their website to see if any of their listings said "$$$$$ + doc fee included." And there is no mention anywhere of the doc fee. I would really like to buy the vehicle because it's a good deal overall without the dealer fee.

At this point, my fellow Fatwalleters, what do you recommend doing? I've thought about threatening to file a complaint and to bring to light their current practice of not disclosing their fees if they will not allow me to purchase it at agreed price. However, this will probably preclude them from letting my buy the vehicle. Is there anything I can do to get the deal originally advertised without paying the dealer fee and the CPO?

I have also included another link to a PDF that was distributed to dealerships about this practice and that ignorance is not an excuse anymore, dated 2013.
http://www.gada.com/index.php?module=FileShare&func=download&fil...

Even if you may not be able to help me, this may help other Fatwalleters who live in Georgia or otherwise to be aware when they may be looking to buy a vehicle in Georgia.

Thank you for any and help/advice you may be able to provide.


Question Deals

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http://www.fatwallet.com/forums/finance/1453479/ Fri, 24 Jul 2015 21:13:35 -0500
<![CDATA[Should I put $1.3K in 529 or Outside Account for College?]]> http://www.fatwallet.com/forums/finance/1453468/ Rating: 0 Posted By: anonguy
Views: 1201 Replies: 14

While at my Mom's recently we found some U.S. Savings Bonds that had been purchased for our son. I think there were three of them with a face value of $2100 total. They were 30-year bonds, paid little and still had 20 years or so to go, so we cashed them in for $1337. I was going to put it in his 529, but started to think maybe a different fund, ETF or stock might be better (it would be in our name). The 529 has its tax advantages, but you are somewhat limited in fund choices and there is a thought that too much in those accounts can cause financial aid problems down the road. We would be using Vanguard.


Question Deals

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http://www.fatwallet.com/forums/finance/1453468/ Fri, 24 Jul 2015 19:30:55 -0500
<![CDATA[Health Insurance company denied claim after coverage was verified - working to resolve it.]]> http://www.fatwallet.com/forums/finance/1453449/ Rating: 0 Posted By: cjchaps
Views: 1695 Replies: 29

I have an interesting situation currently with our Health insurance. Here is what happened:

A few years ago we got a intensive neurological medical diagnostic test done for my son, insurance covered it and the results were beneficial in helping us get him school assistance. My daughter exhibits some of the same characteristics my son did so we figured we would get her tested as well. We called the same practice that did the original tests and asked them if it was covered. They got back to us and said it was covered, so we scheduled the appointments and proceeded with the tests. We recently got a denial letter from insurance saying the claim wasn't covered. We contacted the billing department for the practice and they said insurance told them that test is covered only to diagnose certain issues that my daughter doesn't have. We then called the insurance company and they said they see that they received a call from the practice asking if it was covered, but they don't know if they gave them specific billing codes or not. The insurance company is going to find the recording of that original call to review it and see exactly what was said. I believe there are 2 scenarios to come out of this:

1) The practice gave them the correct codes and the insurance company said it was covered. If that is the case I assume insurance would cover the claim.

2) The practice didn't give specific codes, or the gave the wrong codes and the insurance company said it was covered. In this instance the practice would be at fault.

I was expecting to pay out deductable/copay/etc out of pocket for the test, but since the claims were denied the total bill would be around $2000.

I'm hoping either the insurance company or the practice will own up to their mistake and make things right, but who knows.



Personal Finance Deals

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http://www.fatwallet.com/forums/finance/1453449/ Fri, 24 Jul 2015 15:47:22 -0500
<![CDATA[PSA - Netspend Account holders (and derivatives) - Website glitches and Account Lockouts.]]> http://www.fatwallet.com/forums/finance/1453429/ Rating: -2 Posted By: BenH
Views: 1225 Replies: 17

UPDATE - Please see the following post for the current resolution. This issue was confirmed with NetSpend.
http://www.fatwallet.com/forums/finance/1453429/#top
The issue still seems to be unsolved for those of you with the security questions blocking access (my accounts are find, my wife's still are getting the questions).
If you can't get the security questions to go away, you can try a different browser (or private browsing).
Chances are your account will get locked out after enough failed times answering the questions and you will need to call the Fraud department.


Ok - I just got locked out of all my Netspend (and derivative) accounts.

Here is the situation. I logged on to my WU Netspend via Chrome, the same way I always logon. Instead of being presented with my account, it gave me a screen asking me those security questions - the type it gets from public records - things like "who of these people do you know? what county have you lived in? etc.

There were 3 questions, click next after each one. However after clicking next on the 3rd question it just grayed out the Next and sat there doing nothing.
I found that if I logged in via Chrome in Private mode or with IE, I didn't get these questions but had normal account access. Only if i logged in with Chrome in normal mode.

I signed out from Chrome, deleted all past cookies and cached files, disabled all extensions, etc. But nothing I did would allow me to sign into Chrome normally without getting these questions and without being able to properly click through them all.
In my testing of this although I was always signing on from the same computer, with correct credentials, and with the right answers to questions, it locked my account out.

The same thing is happening to all my wife's accounts so it seems to all be related to Chrome.

I'm not sure if Chrome pushed out another update, but something in it is prompting these questions to come up.

This is a warning to others that have this issue - be aware don't keep on messing with it or you may lock all your accounts.

I called the number and they said they have a "heavy call volume" so I am awaiting a call back. I will update whether this is something they are aware of or not, but I've never had this issue before.


Discussion Deals

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http://www.fatwallet.com/forums/finance/1453429/ Fri, 24 Jul 2015 13:49:30 -0500
<![CDATA[BOA/FIA Card Benefit Information Center - Gone?]]> http://www.fatwallet.com/forums/finance/1453419/ Rating: 0 Posted By: NEDeals
Views: 921 Replies: 3

For years, Bank of America and FIA Cards had a website, http://benefitinformationcenter.comthat provided information on all of the benefits for each card. You entered a portion of your card number, and the site gave you a summary of all the card benefits, plus a downloadable document of the fine print. It was a great resource and you could quickly see what your cards offer. It also would tell you all the details about any Loss and Damage insurance, Rental Car Damage Waiver, Travel Assistance, etc.

A week or two ago, I noticed the site was not responding. It is still down, with no explanation. Bank of America just says to refer to your Guide to Benefits, and request one if needed. Boo, especially since benefits can change regularly.

Does anyone know of a replacement or have more information?


Credit Deals

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http://www.fatwallet.com/forums/finance/1453419/ Fri, 24 Jul 2015 12:54:11 -0500
<![CDATA[Caledonian Bank Deposits]]> http://www.fatwallet.com/forums/finance/1453400/ Rating: 1 Posted By: caledonian
Views: 855 Replies: 0

Has anyone explored selling their Caledonian Bank deposits after the bankruptcy?


Question Deals

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http://www.fatwallet.com/forums/finance/1453400/ Fri, 24 Jul 2015 10:55:07 -0500
<![CDATA[Credit Cards Reducing Benefits]]> http://www.fatwallet.com/forums/finance/1453384/ Rating: 4 Posted By: MrConsumer
Views: 2605 Replies: 14

It appears that a number of credit cards are reducing benefits in the next several months.

I just got a notice from Sears (platinum) MasterCard that as of October 1, 2015,the card would no longer provide:

-- Collision Damage Waiver
-- Purchase Assistance/Purchase Assurance (refund of lost or stolen items within 90 days of purchase)
--Travel Assistance
-- 5% back in Shop Your Way points at Kmart
--2% back in Shop Your Way points at Sears

The back of the notice goes into a slightly longer list of discontinued benefits: Purchase Assurance, Master RoadAssist Service, Master Trip Travel Assistance, Travel Services Medical Assistance, and MasterLegal Referral Service.

The Consumerist is also reporting that Discover Card, as of August 1, 2015 is eliminating 24/7 Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance.

Chase Freedom that in 2016 apparently is removing the10% annual bonus on Cash Back for checking customers.

MY QUESTION: Have you received notices from any other credit cards about forthcoming benefits reductions, and if so, what is being eliminated?

Thanks,
Edgar


Credit Deals

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http://www.fatwallet.com/forums/finance/1453384/ Fri, 24 Jul 2015 09:04:33 -0500
<![CDATA[Online Wells Fargo Propel Amex application rejected because I don't have banking relationship]]> http://www.fatwallet.com/forums/finance/1453309/ Rating: -3 Posted By: ssgcinty
Views: 1370 Replies: 21

I am doing a mini-AOR. I applied online for Wells Fargo Propel Amex. I got the dreaded "your application is pending" message. So I called the reconsideration line and was put through to the Underwriter.
His response, and I quote, was"You applied online but you do not have any existing relationship with WFC. Our policy is to reject the application in such case".

I probed further - Is the rejection due to the number of credit cards, due to my credit utilization, credit lines, number of recent inquiries. His response was - Nope - all I see is that our policy does not allow us to approve ONLINE application if you don't have a banking relationship. You could have applied in the branch and we would not faced this problem.

I am incredulous. Nowhere on the application page does it mention anything about this. I am not sure how they can get away without mentioning this.

Has anyone faced this issue?

PS: Prior to WFC, I had applied for 5 accounts in the today and yesterday. All but Chase Sapphire was approved. Chase was rejected because I have opened 9 cards in the last 2 years. But the Underwriter kept saying that was not the reason WFC was rejected. He also said that I can go to the branch and reapply. He was not sure if that would generate another credit inquiry.


Personal Finance Deals

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http://www.fatwallet.com/forums/finance/1453309/ Thu, 23 Jul 2015 22:36:33 -0500
<![CDATA[Staples Dropped from Discover Deals?]]> http://www.fatwallet.com/forums/finance/1453290/ Rating: 0 Posted By: SpeedDragon
Views: 1170 Replies: 4

Do you still see Staples listed in Discover Deals (usually 5% Cash Back) in your account? I used it a few weeks ago but haven't seen it for several days now.


Discussion Deals

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http://www.fatwallet.com/forums/finance/1453290/ Thu, 23 Jul 2015 20:59:31 -0500
<![CDATA[Anyone know which Mortgage companies allow recasting of loans?]]> http://www.fatwallet.com/forums/finance/1453213/ Rating: 2 Posted By: ds1978
Views: 2520 Replies: 27

I am buying a new place, and it won't be completed for 4 more months, I don't want to move twice, so I plan on putting 20% down at close, then selling my current residence (list maybe 1 month before new place is done) if it doesn't sell and close before the new place is done, I would like to still dump most the proceeds from the current home on the new place without having to refinance to get the lower payment. I have read a bit and this is called recasting of a loan. Does anyone have experience with mortgage loan recasting?

Thanks!

--DS


Real Estate Deals

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http://www.fatwallet.com/forums/finance/1453213/ Thu, 23 Jul 2015 12:13:40 -0500
<![CDATA[What is the best person-to-person payment method? No delivery confirmation]]> http://www.fatwallet.com/forums/finance/1453208/ Rating: -1 Posted By: jomarrod
Views: 1775 Replies: 26

A person in another part of town wants to purchase goods that are hand-made from me (something I have to deliver personally - too big and too heavy to ship). Half upfront, half upon delivery. Checks and MO are out of the question (they bounce too much).

What would be the best P2P payment method to receive a deposit? Something without the possibility of making fraudulent chargebacks, where I lose goods and money. I don't trust Paypal these days..... and I won't have proof of delivery, either.


Personal Finance Deals

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http://www.fatwallet.com/forums/finance/1453208/ Thu, 23 Jul 2015 11:35:43 -0500
<![CDATA[Auto loan for a new car]]> http://www.fatwallet.com/forums/finance/1453201/ Rating: 0 Posted By: anoopam9
Views: 1422 Replies: 17

Hi,

I am planning to buy a new car which costs approx 35K. I have a good credit score around 750. The car dealer says the best they can give is 2.99%. But is there a way I can get a loan from outside and then negotiate with the dealer? Also, please suggest what's the best place to look for it.

Thanks.


Personal Finance Deals

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http://www.fatwallet.com/forums/finance/1453201/ Thu, 23 Jul 2015 10:25:22 -0500
<![CDATA[Auto buying programs?]]> http://www.fatwallet.com/forums/finance/1453186/ Rating: 0 Posted By: letsspendlotsofmoney
Views: 1519 Replies: 17

Daughter is looking at the new Honda HR-V and apparently they are selling well and dealers don't seem to want to negotiate and most want to tack on lots of accessories to inflate the prices.. Has anyone used SamsClub or Costco buying programs on new hot cars to maybe get a better deal? What kind of discount should I expect using them?

I know... Another auto buying question in the finance forum...


Question Deals

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http://www.fatwallet.com/forums/finance/1453186/ Thu, 23 Jul 2015 09:54:22 -0500
<![CDATA[Can adding authorized user on CC prevent them from getting signup bonus at a later date?]]> http://www.fatwallet.com/forums/finance/1453176/ Rating: 0 Posted By: gaf2255
Views: 979 Replies: 4

I was thinking about adding my wife on to my Chase Sapphire card as an authorized user; however I wasn't sure if this would disqualify her from obtaining the 40,000 point sign up bonus at a later date when she opened the card on her own. We use the card for all our variable expenses and then pay it off at the end of the month. I don't think she has the credit right now as she is a student in the last year of her degree program. Any help would be appreciated.


Credit Deals

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http://www.fatwallet.com/forums/finance/1453176/ Thu, 23 Jul 2015 08:07:15 -0500
<![CDATA[ 60,000 Delta Skymiles, $50 booking credit, $0 first year fee w/$1,000 minimum spend in 3 months on Delta Amex card YMMV]]> http://www.fatwallet.com/forums/finance/1453134/ Rating: 5 Posted By: MrsGuin
Views: 4642 Replies: 36

For NEW Delta Amex cardholders

First log into your skymiles accountthen in the same browser,visit the promotional link to see if you received the offer.
Email is titled "[Name], Get away with a 60,000 bonus miles offer"

* You can use the card to buy a $50 Delta gift card and receive a $50 statement credit.

BENEFITS WITH THE GOLD DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS:

Check your first bag free on every Delta flighta savings of up to $200 per round trip for a family of four3
Enjoy Priority Boarding board early, stow your carry-on bag, and settle into your seat sooner4
Earn 2 miles per dollar spent on purchases made directly with Delta5 and earn one mile on every eligible dollar spent on purchases with no mileage cap6
No Foreign Transaction Fees7 Rates & Fees
Enjoy a $0 introductory annual fee for the first year, then $95.8 Rates & Fees Act fast, this offer ends August 31, 2015.9

Terms and Conditions

Consumer Card POID: BTAR:0004; Small Business Card POID: BTEV:0003

1. Welcome bonus offer not available to applicants who have or have had this product. To qualify for the 60,000 bonus miles, you must make purchases with your Gold Delta SkyMiles credit Card that total $1,000 or more within your first 3 months of Card Membership. Miles will be credited to your account 6-8 weeks after you reach the spend threshold. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the 60,000 bonus miles, your Card account must be active, in good standing, and not in default at the time of fulfillment. You can earn 60,000 bonus miles after you spend $1,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $1,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.

2. Welcome bonus offer not available to applicants who have or have had this product. One statement credit for $50 will be issued to your Card account after a Delta purchase is charged to your Gold Delta SkyMiles Credit Card within your first 3 months of Card Membership. Purchases to meet the spend requirement include those made by both the Basic and Additional Card Members on the Card Account. Purchase must be made directly through Delta. A purchase may not qualify for the statement credit if it is submitted under a merchant code that has not been categorized as a Delta merchant code as of the date of the purchase(s). Credit will be issued as a Card Member statement credit approximately 8-12 weeks after your first Delta purchase. Additional Card Members on your account are not eligible for this offer. To receive the $50 statement credit, your Card account must be active, in good standing, and not in default at the time of fulfillment. You can earn a $50 statement credit after you make a qualifying Delta purchase on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to make your first purchase may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.

3. Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Reserve Delta SkyMiles Credit Cards. Reservation must include the Basic Card Members SkyMiles number. Fee waiver also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine waivers per reservation. Waiver is only for normal bag fee, if any, for the first checked bag that is not overweight and not oversize under Deltas applicable rules as set forth in Deltas contract of carriage. Additional checked bags will be subject to the applicable baggage fees as outlined by Deltas rules and the purchased fare as set forth in Deltas contract of carriage. The first checked bag fee waiver will only be applied on flight segments which originate on a Delta or Delta Connection carrier when you check-in with Delta for both a Delta marketed and Delta operated flight. Codeshare flights are not eligible. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. Offer terms and conditions subject to change. Additional restrictions may apply.

4. Card Members are entitled to receive Zone 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Reserve Delta SkyMiles Credit Cards. Reservation must include the Basic Card Members SkyMiles number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on Delta and Delta Connection carrier operated flights. Delta does not offer Priority Boarding on Delta Shuttle flights. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See delta.com/mycardcan for details.

5. For each dollar charged on an eligible purchase in each billing period on your Card from American Express, you earn 1 mile. You earn 1 additional mile (for a total of 2 miles) on each dollar of eligible purchases made directly with Delta (Delta purchases). Delta purchases are eligible purchases where Delta is the merchant of record, such as purchases via delta.com, phone reservations, or ticket counters, such as upgrades, miles, seat selection, Delta Sky Club membership or passes, and pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets, movies, shows and video games accessed via Deltas seatback in-flight entertainment, on Delta-operated flights (eligible purchases do not include any other in-flight purchases, such as in-flight wireless internet access, shows, and movies accessed via a personal electronic device and associated services, Delta DutyFree, and charitable contributions). Delta purchases include Delta Vacation packages but not other all-inclusive packages. Delta purchases include purchases of qualifying Delta, Delta Connection carrier and Delta Shuttle flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Additional miles earned for Delta flight purchases made with the Delta SkyMiles Credit Card from American Express will be based on the total ticket price, including base fare, carrier-imposed surcharges and government-imposed taxes and fees. Eligible purchases mean purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive miles, your Card account must be active and not in default at the time of fulfillment. This offer is subject to change without notice.

6. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive bonus miles, Card Members account must be active and not in default at time of bonus fulfillment. Fees, interest charges, balance transfers, cash advances, purchases of travelers checks, the purchase or reloading of prepaid cards and purchases of other cash equivalents do not earn miles.

7. American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

8. The annual fee for the Gold Delta SkyMiles Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be $95.

9. If your application is not received by 8/31/2015, you will not be eligible for the 60,000 bonus miles and $50 statement credit offer even if your application is approved. American Express reserves the right to modify or revoke offer at any time.

All SkyMiles program rules apply to SkyMiles program membership, miles, offers, mile accrual, mile redemption, and travel benefits. To review the rules, please visit delta.com/memberguide. Offers are void where prohibited by law. Offers are subject to change without notice. Other restrictions apply.

2015 American Express Bank, FSB. All rights reserved.


Credit Deals

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http://www.fatwallet.com/forums/finance/1453134/ Thu, 23 Jul 2015 00:07:45 -0500
<![CDATA[Fraud vs. Disputed Charge with C/C and What to Do]]> http://www.fatwallet.com/forums/finance/1453115/ Rating: -3 Posted By: anonguy
Views: 1637 Replies: 31

To summarize a somewhat complicated story, we used our C/C to help hold a comped room for my MIL and her 80+ year-old husband. During the stay, he hit the PPV button three times trying to start the TV. Apparently, PPV at this place is expensive so we made sure to have the MIL ask at checkout for any charges. At checkout they tell her there were no charges. When I checked our account online I see a $45 charge from the place. We go over and ask what it was for, figuring it was the stupid PPV issue, but they tell us there is no record of any charge. I then call the bank to dispute and they said they would send out a form to fill out. It never arrived and, when we returned from vacation, we found the letter and another one stating their temporary chargeback was being reversed because we didn't return the form.

Today the C/C dispute center called me and I explained the situation again. However, this time they said since I didn't authorize a charge and the place of business says they didn't charge the account, that it is a situation that can't be treated with the chargeback process anyway and would need to be dealt with by the fraud department. The thought of having to get a new account number and changing all of our autopays and such seems like a major pain. I know it is just incompetence by this casino and not necessarily fraud.

So my question is, should I go ahead and turn it over to the C/C fraud department or go back to the casino with my statement showing the charge and seeing if they will just credit it and save me the trouble of changing account numbers? There is, though, one complication with the latter option. The C/C company did a temporary chargeback and that amount shows up on the statement. So I am sure the place will say it has already been fixed. I would need to wait for the next statement, which would show the credit being reversed, and hope their people could understand it.


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http://www.fatwallet.com/forums/finance/1453115/ Wed, 22 Jul 2015 20:50:19 -0500
<![CDATA[Some unbelievable foreign markets performance]]> http://www.fatwallet.com/forums/finance/1453104/ Rating: -4 Posted By: GoldenSacks
Views: 2594 Replies: 27

Does anyone know if these are facts and can this be repeated with Greece?:
If you had invested in the Turkish stock market in 1988, for example, today your investment would show a 1,188,047% gain.
Every dollar invested, in other words, would be worth more than $11,000.
Back in 1988, Argentina was a mess, too. If you had put your money there, youd have a 39,297,300% gain. Had you invested $10,000, youd now have $392,973,000.


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http://www.fatwallet.com/forums/finance/1453104/ Wed, 22 Jul 2015 19:48:12 -0500
<![CDATA[Sold house, buying another, how much to put down?]]> http://www.fatwallet.com/forums/finance/1453093/ Rating: 0 Posted By: potvin48
Views: 1633 Replies: 17

Quick details, sold our house, got check for $57,000 from settlement. Buying another house, price was $185,000 (so minimum 20% down is $37,000)
We're trying to decide whether to keep back $10,000 (putting down $47,000) or $20,000 (putting down just the $37,000)
Rate is 4.0% for 30 years.

We're keeping at least $10,000 to pay for some upgrades we had to make and for moving expenses and all that crap.

Thoughts on what we should do with the other $10,000 though? Better to put on house, or keep back and invest in something that can beat 4% easily? Is there such a thing anymore?


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http://www.fatwallet.com/forums/finance/1453093/ Wed, 22 Jul 2015 18:10:20 -0500
<![CDATA[Credit Card Expiration Dates: Five Years For MasterCard?]]> http://www.fatwallet.com/forums/finance/1453055/ Rating: 3 Posted By: FutureDilemma
Views: 1907 Replies: 14

Just received a MasterCard from Capital One to replace my existing card that will expire shortly. Noticed that the expiration date is in 2020. I thought MasterCard and Visa had expiration dates three years into the future while Discover had expiration date five years into the future. Is this the start of a new trend?

Incidentally, the card has a chip while the previous one didn't.


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http://www.fatwallet.com/forums/finance/1453055/ Wed, 22 Jul 2015 14:01:08 -0500
<![CDATA[edfinancial]]> http://www.fatwallet.com/forums/finance/1453051/ Rating: 0 Posted By: newnorley
Views: 1016 Replies: 1

Saw that discover got fined today over their student loan business.

Anyone have much experience with edfinancial are they shady or incompetent or do you like them?

I recently took over the management of my wife's student loan. Their website is awful - can't access online statements and they don't send us statements in the mail. Paid off a chunk of her higher interest loans and they applied it to the lower interest loan.


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http://www.fatwallet.com/forums/finance/1453051/ Wed, 22 Jul 2015 13:55:03 -0500
<![CDATA[Suing for FCRA violations - Credit pulled without authorization]]> http://www.fatwallet.com/forums/finance/1453043/ Rating: 0 Posted By: pillsdoughboy1
Views: 1782 Replies: 29

While it is clear there is a $1000 violation here has anyone had success in actually obtaining that, or any lesser amount? Any good resources out there?

I have two cases now where companies have pulled my credit before my authorization (in fact they had my explicit instructions to not pull my credit) and I think it is time to cash in as well as attempt to get the inquiries removed.

edit: FCRA in all its glory. Don't quote random blogs. http://www.consumer.ftc.gov/articles/pdf-0111-fair-credit-report...


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http://www.fatwallet.com/forums/finance/1453043/ Wed, 22 Jul 2015 13:30:45 -0500
<![CDATA[TD branch 42st/ParkAv Sat 7/25 NY Grand Central!]]> http://www.fatwallet.com/forums/finance/1453001/ Rating: 1 Posted By: SinglePapa
Views: 1673 Replies: 9

New branch opening Sat 7/25. Preceding branch openings this year gave $150 gift card on the spot for $2500 checking opening. Branch openings tend to be aggressive, and they don't refuse to hand you gift card just because you already have a TD account (this is quite an advantage vs. some bonus cashpromise to be credited later).This branch is facing Grand Central, so one may even consider taking a train in for such gift card. I have no info yet on this particular opening, I just saw a sign in the window


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http://www.fatwallet.com/forums/finance/1453001/ Wed, 22 Jul 2015 09:58:53 -0500
<![CDATA[Reducing Cell Phone Costs - Anyone Using Cricket?]]> http://www.fatwallet.com/forums/finance/1452849/ Rating: 12 Posted By: teflonjones
Views: 5890 Replies: 112

I've been with T-Mobile for years and am generally satisfied with the service but their recent fee increase and truly crappy rural coverage (especially for data) has me looking at other options. Right now I'm paying around $144/mo including taxes and fees for 5 lines. For equivalent service on Cricket the cost is $100/mo total. Some questions:

1. If you've used Cricket since they were purchased by AT&T, how happy are (were) you with their service?
2. Is Cricket's network coverage decent when traveling outside of metropolitan areas?
3. If you've left Cricket for another carrier what was the reason?

Any and all comments regarding Cricket service would be appreciated.



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http://www.fatwallet.com/forums/finance/1452849/ Tue, 21 Jul 2015 12:39:45 -0500
<![CDATA[Wrong Forum but keep here for a bit.. SAVE FW FINANCE FORUM BY MAKING A CAR BUYING FORUM or Autos forum??]]> http://www.fatwallet.com/forums/finance/1452750/ Rating: 3 Posted By: SuperOcean
Views: 2129 Replies: 18

Well maybe a car buying forum or Auto forum? because there's so many car buyer questions here. I'd like to discuss the financial side of it like how to finance and which is a better place to get loans but there's too many questions on car buying these days. Should FW start a new forum or is there enough info on it from other places like Edmunds and KBB and Truecar that it's not necessary.


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http://www.fatwallet.com/forums/finance/1452750/ Tue, 21 Jul 2015 01:42:13 -0500