Fatwallet.com Finance Our Mission - Serve consumers with knowledge, value and guidance. https://www.fatwallet.comhttps://static-forums.fatwallet.com/static/i/spacer.gifFatWallet.comhttps://www.fatwallet.com <![CDATA[Dr. appt canceled by doc 3 hours before appt. $$$]]> https://www.fatwallet.com/forums/finance/1535550

Rating: -1 Posted By: atikovi
Views: 549 Replies: 23

Had an 11am routine appointment and see their office called my cell at 8am. I didn't answer because it looked like a telemarketing call but they didn't even leave a voicemail. I drove out there and came back home after being told all that doctor's (actually a nurse practitioner) appointments were canceled. Waste of a morning. Even showered for it. I know they require 24 hours notice if I cancel, otherwise get charged $50, doesn't it work the other way around?
https://www.fatwallet.com/forums/finance/1535550 Wed, 26 Oct 2016 10:56:56 -0500
<![CDATA[What are the Investment Options apart from investment through banking system?]]> https://www.fatwallet.com/forums/finance/1535491

Rating: -1 Posted By: mayanksinghal
Views: 214 Replies: 3

Recently, RBI has announced the rate cuts by 25 BPS on 4th Oct, 2016 and due to which the repo rate is decreased to 6.25% from 6.50%. This will surely result in decreasing the interest rate in the investment options available at banks so for lenders it affects adversely whereas borrowers will have advantage of this. but what about investors and what are the other investment options?
https://www.fatwallet.com/forums/finance/1535491 Wed, 26 Oct 2016 05:41:48 -0500
<![CDATA[Is haggling / negotiating hospital bills the norm?]]> https://www.fatwallet.com/forums/finance/1535455

Rating: 0 Posted By: topic
Views: 483 Replies: 7

My wife had to go to the ER several years ago due to severe pain in her stomach. She had a high deductible health plan through her employer. A nurse gave her a standard checkup, provided pads, pain medication, and a blood test. We went home. A few months later a bill came for $X00.00. The 'initial bill' before adjustments was well over $2,000. There's no way this is reasonable even if adjustments have to be made for patients who require treatment and are uninsured or won't pay.God forbid something serious actually happens such as a car accident, a life threatening illness, or surgery that requires staying at the hospital.

What are effective ways to avoid getting hosed? What is considered good health coverage?
https://www.fatwallet.com/forums/finance/1535455 Wed, 26 Oct 2016 01:23:48 -0500
<![CDATA[10x1oz .999 silver rounds @ spot w/free ship; JMBullion.com]]> https://www.fatwallet.com/forums/finance/1535417

Rating: 4 Posted By: itsausername
Views: 1205 Replies: 18

Offer link.


Start your precious metals portfolio with a 10 oz tube of silver rounds, offered at spot price with free shipping!

  • New silver rounds from a trusted American mint
  • Each tube contains ten 1 oz .999 silver rounds
  • Ships in plastic tube, inside of a custom velvet pouch
  • All orders ship free with tracking and insurance
  • Ships within 1 business day of cleared payment
  • 10 oz at spot offer limited to one per household.


JM also has a nice selection of payment options, including e-check.
https://www.fatwallet.com/forums/finance/1535417 Tue, 25 Oct 2016 20:24:17 -0500
<![CDATA[Charge made by political organization without permission]]> https://www.fatwallet.com/forums/finance/1535391

Rating: 1 Posted By: deeder
Views: 557 Replies: 9

Had donated previously to an organization affiliated with a political party. Found a charge I did not authorize or approve get emailed to the same email address on file so I saw it go through. They used the same information I had used in the past. I called up both parties. Had charges reversed and called issuer to have a new card number issued. It was not a recurring transaction because it was for a different amount than the other charges I made.

Do you believe this was a cyberattack where someone just tested to see if a card was active or the organization itself?
https://www.fatwallet.com/forums/finance/1535391 Tue, 25 Oct 2016 17:23:20 -0500
<![CDATA[Getting really expensive medical procedures, then getting a preauthorization denial]]> https://www.fatwallet.com/forums/finance/1535388

Rating: -1 Posted By: CowbellMaster
Views: 693 Replies: 16

So I'll give the cliff notes version:

A few months ago, started getting headaches, head pressure.
Went to Primary, was told to try a couple things (diet, exercise)
A month ago, no improvement, went back to primary, was referred to a neurologist.
Two weeks ago, neurologist ran some basic tests and said he'd order a brain and neck stem MRI to rule out some things.
A week ago, neurologist's office called to schedule the MRI for today.
Got the brain and neck MRIs today. Paid the $40 copay (deductible was already met, as confirmed by receptionist)
Got home, checked the mail, two letters from my health insurance company. Both state "based on medical necessity, an MRI is not approved."

Since I just got $10k+ worth of procedures and an hour later learned the neurologist never actually got preauthorization before scheduling it ... what're the odds this bill will land on me? I don't have much experience with high-dollar medical bills, wonder what others have experienced.
https://www.fatwallet.com/forums/finance/1535388 Tue, 25 Oct 2016 17:13:40 -0500
<![CDATA[Underwriting review of PayAnywhere account??]]> https://www.fatwallet.com/forums/finance/1535366

Rating: 0 Posted By: needhelpplease
Views: 329 Replies: 2

www.PayAnywhere.com wants to review " a detailed description of the merchant's business model. What products or services do you provide, and how do you sell them (trade show, store front, etc.)?You may reply by email or fax. I apologize for any inconvenience but require this information for my review to ensure your account is setup correctly"

Not sure if it has something to do with the $2.5K I swiped for manufactured spending (they waived fees). Tax consequences about how I answer??
https://www.fatwallet.com/forums/finance/1535366 Tue, 25 Oct 2016 16:25:27 -0500
<![CDATA[Preview 2017 ACA plans now active]]> https://www.fatwallet.com/forums/finance/1535330

Rating: 7 Posted By: JepJepJep
Views: 1779 Replies: 75


You can input basic info without entering your personal info or staring an application to see your 2017 premiums. You can go back and change your income to see how it changes your subsidy.

Good luck!
https://www.fatwallet.com/forums/finance/1535330 Tue, 25 Oct 2016 13:21:22 -0500
<![CDATA[Lawyer Reaps $11m from Internet Retailer Sales Tax Cases]]> https://www.fatwallet.com/forums/finance/1535310

Rating: 1 Posted By: tuphat
Views: 1473 Replies: 13

We discuss False Claims Act lawsuits pretty frequently in FWF. See below for excerpt about a lawyer that's made a good business, going after online sellers.

Chicago lawyer Stephen Diamond has made a business out of filing qui tam cases accusing internet retailers of failing to pay correct taxes to the state of Illinois.

Diamond and his law firm have filed more than 900 qui tam cases in Cook County, Illinois, courts and obtained nearly $30 million in settlements over a 15-year period, Bloomberg Big Law Business reports. Diamonds share of the proceeds is $11.6 million, which includes his share of the settlements, attorney fees and costs.

More: http://www.abajournal.com/news/article/chicago_lawyer_has_filed_...
https://www.fatwallet.com/forums/finance/1535310 Tue, 25 Oct 2016 10:31:25 -0500
<![CDATA[Bank of America / Four (4) different BUSINESS CARDS / $200 bonus after $500 spend within 60 days (yes SIXTY)]]> https://www.fatwallet.com/forums/finance/1535298

Rating: 2 Posted By: TheDiggler
Views: 1016 Replies: 2

Offers found at:

Cards include:

  • Cash Rewards for Business MasterCard
  • WorldPoints Travel Rewards for Business Visa (5,000 bonus points after the first qualifying purchase on your account)
  • WorldPoints Rewards for Business Visa
  • Platinum Visa Business

T&C's for $500:

  1. To qualify for the statement credit, you must open a new small business credit card account and make at least $500 in retail Net Purchases with your card that post to your account within 60 days from the credit card account opening. Net Purchases exclude any transaction fees, returns and adjustments. The statement credit will be applied to the companys business card account. One $200 statement credit allowed per company. Please allow 10-12 weeks after the qualifying transaction posts to your account to receive your statement credit. Offer subject to change without notice.

  2. Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that.

Based on the T&C's above, it's uncertain whether you can earn the $200 bonus on each of the cards above (unless you sign up for each card under a different company). No idea how easy it is to get approved for a BOA Business Card as a sole proprietor (i.e. Fleabay Sales).
https://www.fatwallet.com/forums/finance/1535298 Tue, 25 Oct 2016 09:38:01 -0500
<![CDATA[Help please]]> https://www.fatwallet.com/forums/finance/1535191

Rating: 3 Posted By: hjsmallwood
Views: 2960 Replies: 111

My boyfriend was laid off for awhile, he just found a new job and doesn't have to worry about losing this one. We got behind on our bills. We have 2 kids a 6 year old and a 3 month old. We can't get anyone to give us a loan our credit could be better. He makes great money now and we don't care about interest rate. Just need to get stuff taken care of.
https://www.fatwallet.com/forums/finance/1535191 Mon, 24 Oct 2016 17:56:55 -0500
<![CDATA[Becoming a CEO now requires cross functional expertise NYTIMES]]> https://www.fatwallet.com/forums/finance/1535160

Rating: -1 Posted By: rufflesinc
Views: 731 Replies: 1

The answer has always included hard work, brains, leadership ability and luck. But in the 21st century, another, less understood attribute seems to be particularly important.To get a job as a top executive, new evidence shows, it helps greatly to have experience in as many of a businesss functional areas as possible. A person who burrows down for years in, say, the finance department stands less of a chance of reaching a top executive job than a corporate finance specialist who has also spent time in, say, marketing. Or engineering. Or both of those, plus others.


Work used to be much more hierarchical, and in many instances rote, said Gary Pinkus, McKinsey & Companys managing partner for North America. You could build a nice career within any particular function by taking on more responsibility within that specialty. But if you look at most companies now, work has become incredibly cross-functional.

Once upon a time, Mr. Pinkus said, an operations manager might be laser-focused on making a factory work efficiently. Now to be great at that job and earn a promotion to vice president or beyond that manager had better also understand how the factorys inventory procedures tie in with the companys sales and marketing strategy, and any tax laws affecting inventory management, while assuring the reliability of the supply chain.

The manager had better also be adept at using the technology that links all that information together.


the stats are also interesting . 2/3 chance of being VP or c-suite with elite undergrad, top mba and 25 years exp
https://www.fatwallet.com/forums/finance/1535160 Mon, 24 Oct 2016 14:22:12 -0500
<![CDATA[ACH Float Times]]> https://www.fatwallet.com/forums/finance/1535102

Rating: 0 Posted By: Ryan641
Views: 863 Replies: 10

I understand that there is a multi-year project underway to improve clearing times for ACH transfers. I have also heard that one of the milestones was recently achieved in speeding up the transfers.

But I have not noticed any difference. In fact, I have done some recent ACH transfers between banks and they seemed slower than usual...often taking 3 business days when in the past they rarely took more than two. Some of the transfers weren't credited to my account until 6 days after the debit appeared in the other account. These were transfers that were done on a Wednesday prior to a holiday weekend. So instead of being credited to the account on that Thursday or Friday, I lost the interest for three extra days over the weekend in addition to these two following business days.

What gives? Are customers of banks supposed to be getting less float time on their ACH transfers now or not?
https://www.fatwallet.com/forums/finance/1535102 Mon, 24 Oct 2016 10:23:29 -0500
<![CDATA[TD Ameritrade to buy Scottrade in $4B cash-and-stock deal]]> https://www.fatwallet.com/forums/finance/1535058

Rating: 3 Posted By: JepJepJep
Views: 1345 Replies: 7

Online brokerage TD Ameritrade is buying Scottrade in a $4 billion cash-and-stock deal that would tie up two major players in the day trading industry during an era when an increasingly large number of investors are choosing index funds over stock picking.

https://www.fatwallet.com/forums/finance/1535058 Mon, 24 Oct 2016 07:05:37 -0500
<![CDATA[Western International Securities Inc: co-owner (inheritence)]]> https://www.fatwallet.com/forums/finance/1535007

Rating: 0 Posted By: chatterweb
Views: 914 Replies: 11

I got a letter yesterday from my only sibling that I am named in a trust
that my late Grandfather set up before he passed away in 2011.
My Grandmother passed in July 2016, and since my Mother passed in 2013, and she was their only child; my sibling and I are the beneficiaries.

It has a portfolio value of $400000.00. I have no idea what that means. I am better schooled in RE investing and am not familiar with bonds.

In the past, when my Grandmother was living, $1000.00 was sent to my Grandmother each month from this trust to her savings account.

I am supposed to fill out a form to send back to this Securities Investment Firm located in Pasadena Ca to get some monthly lump sum, I assume.

I used to take care of my Grandmother and I was her DPOA but my sibling was named as Co Trustee by my late Grandfather before I started helping my Grandma.

I have the Investment Portfolio statements so I know what the money is being invested in.

My spouse thinks I should cash my half out. He loves to spend money. He is also a head for the hills mentality beans and rice etc...drives me nuts, but...??

I guess I should contact this Western International Securities Inc and ask them if I have any options. I have a copy of the trust that has me as a beneficiary

TIA in advance for any advice or insight!
https://www.fatwallet.com/forums/finance/1535007 Sun, 23 Oct 2016 23:31:56 -0500
<![CDATA[Reported Top MBA Salary from Investment Banking]]> https://www.fatwallet.com/forums/finance/1535002

Rating: -2 Posted By: bandyopa
Views: 1902 Replies: 43

Folks, I just read the following report, and it seems Wall Street is back to pre-2007 life. MBAs from top schools are receiving ridiculous amount of compensation: $365,000, $317,000, $290,000 etc. with bonus. They were making $100,000, $65,000, $90,000 respectively pre-MBA. Reported in poet and quant's site (the most popular MBA news site) last Friday (10/21/2016):


I have to tell you, the MOST unproductive, entitled, rude and arrogant, good for nothing, unethical, money hungry people I meet in my career are the newly minted MBAs from the top schools. These guys have zero ability to produce anything, have zero management skill, zero business skills, zero ability in any getting anything done (just ask them to make few copies 1-sided to 2-sided, 1-slanted-staple, in the machine at the corner during an interview (after showing them twice how to do it), and you will see what I am talking about), but they think they know everything better than anyone around, and they deserve to take the leadership role and make changes. Top schools just tell them that they are the leader of the future in exchange of staggeringly high tuition. I am surprised to see that these guys are back again. My understanding was that 2007-09 crisis wiped out the MBA culture. Clearly I was wrong!
https://www.fatwallet.com/forums/finance/1535002 Sun, 23 Oct 2016 21:59:39 -0500
<![CDATA[Gift cards on eBay, bid value gt; card value?]]> https://www.fatwallet.com/forums/finance/1534884

Rating: -2 Posted By: fasttimes
Views: 1222 Replies: 11

I was looking to get wifey some Coach gift cards, and looked on eBay, but noticed the bid value for some of these cards is over the actual value. Am I missing something? Example


https://www.fatwallet.com/forums/finance/1534884 Sun, 23 Oct 2016 04:23:58 -0500
<![CDATA[real estate syndicate investing]]> https://www.fatwallet.com/forums/finance/1534817

Rating: 0 Posted By: nwill002
Views: 1046 Replies: 3

I'm curious what are people's opinion of these on here? From what little I was able to dig up and read on this, as a investor into a syndicate (who really knows what they are doing), typical returns are on average of 8% annually and on most projects the real estate project would get flipped in 3-5 years for around 20% return on investment on average.
If this really is a worthwhile investment vehicle, how does one typically get involved with a syndicate? Doesnt seem like these are openly advertised.
Also what is the typical minimum investment amount to get involved in a syndicate project?
https://www.fatwallet.com/forums/finance/1534817 Sat, 22 Oct 2016 14:26:54 -0500
<![CDATA[auto accident and recycle parts to replace demage parts by insurance company]]> https://www.fatwallet.com/forums/finance/1534789

Rating: 0 Posted By: GSTAd
Views: 1113 Replies: 13

I m involved in auto accident. I've state farm as my insurance and the other party has nation wide insurance. It's his fault. Liability has been established by state farm. Until after the accident I came to know that state farm uses recycle parts which means parts from another vehicle which was previously involved in an accident but some part of the car is not demage. State farm says it's in the policy to use recycle parts.
My car is 2010 toyota camry with 68000 miles in excellent condition.
I asked state farm if I want to use OEM parts. They gave me several option.
1. Go directly with nation wide insurance and insist on using OEM. If they refuse
2. Pay out of pocket difference between recycle parts and OEM and try to collect difference from other party.
. My question is whatIf the other party refuses to pay can I take him to small claims court? We both are from california.
. Please advice and help me if anyone has experienced similar situation.
Thanks in advance .

https://www.fatwallet.com/forums/finance/1534789 Sat, 22 Oct 2016 11:13:04 -0500
<![CDATA[Optimizing score for primary residence loan.]]> https://www.fatwallet.com/forums/finance/1534687

Rating: 0 Posted By: myinvest
Views: 975 Replies: 3

Basically, I would like to do the right thing in order to get the best loan that I can in about 6 month or so (if we decide to buy a primary residence).

The challenge:
I have a short (18mo) credit history in the US.

My current status:
DTI of 10% or less (not including my partner)

730~ score by citibank and creditsesame,
715 from a TransUnion credit pul for an investment property

Two credit cards, one car loan and soon a mortgage for an investment property.

Want could be the right moves for me in order to have the best score 6m from now?

https://www.fatwallet.com/forums/finance/1534687 Fri, 21 Oct 2016 18:05:32 -0500
<![CDATA[4 Car Accident Settlement advice]]> https://www.fatwallet.com/forums/finance/1534655

Rating: 3 Posted By: lelamassengale
Views: 2455 Replies: 34

One year ago I was stopped to make a left turn. The car behind me slowed and stopped but the car behind them came up to fast striking the one behind me and crossing traffic hitting a delivery truck causing the car to strike us. My husband was a passenger also my 9 and two year old in the back. We were lucky not to have severe injuries. We were treated for whiplash, my husbands back and me and my daughters neck. My son was in a 5 point harness he wasn't treated. The car behind us had similar injuries as did the people in the big truck. The driver at fault was 37 weeks pregnant and lost her child.I had went to school with her and I carried her son until help arrived. I felt the baby moving as I waited with her for help but he dies due to a cord issue about an hour later. Needless to say it was traumatic.They have only lowest limits in Ky on insurance. so we know they are well underinsured in this case. We, however, have an underinsured motorist policy. Everyone is nearing end of treatments and likely a settlement offer.I know we will need to file a claim against our policy due to these limits. I just do not know whats reasonable, and ready to put this behind us. our total treatment was about $8600 and $6000 to fix me suv. How much of an offer is reasonable ?
https://www.fatwallet.com/forums/finance/1534655 Fri, 21 Oct 2016 13:10:56 -0500
<![CDATA[PSA - Android Pay will no longer work on Custom Roms]]> https://www.fatwallet.com/forums/finance/1534612

Rating: 3 Posted By: gatzdon
Views: 1872 Replies: 14

Google has made a significant change to how Android Pay worksandthiswill most likely impactother things likeBanking Apps on Android.

Very frustrating that Google hasn't put anything out on this yet, but here is where it was first discussed on Reddit this past week.

I, like most people,tried to use Android Pay this past weekand had it not 'work'. For me, it's because my bootloader was unlocked. I have stock ROM from Google, but only unlock the bootloader so I can use a custom recovery to perform a full nandroid backup (the easiest backup to restore from).

While the bottom line is that Android Pay will stop working onanything other than the Google blessed stock ROM, even something as simple as unlocking your bootloader will trip Safety Net and prevent Android Pay from working, even if you are on an unrooted, unmodified,stock rom. Youcan check your bootloader status with the little gray padlock that shows at the bottom during bootup (open=unlocked, closed=locked).

Personally, I feel this might be a set backfor Android Pay adoption as there is only about a 1-2 year window for Android support on most phones. After2 years, you are stuck on the old, outdated Andrdoid if you want Android Pay. If you want an up to date custom rom, you probably won't get anything but web browser based banking on it.

As an Android Lover, it's hard to admit this, but Apple supports their handsets for 4-6 years, long enough for the hardware to truly be outdated.
https://www.fatwallet.com/forums/finance/1534612 Fri, 21 Oct 2016 08:58:44 -0500
<![CDATA[Seeking help using my existing credit cards for 0%]]> https://www.fatwallet.com/forums/finance/1534527

Rating: 0 Posted By: chatterweb
Views: 1486 Replies: 11

I am paying off debts incurred from a divorce and I am trying to move and shift debts to result in lower monthly payments.

Example 1:
Chase Ink Business Credit Card
Credit limit $28000.00
I owe $900.00

Example 2:
Chase Ink Card
I owe $34.00 and the credit line is $18000.00

My credit score is at 753

I have offers on some cards but they already have utilization.

US Bank has online offers but no terms!

I want to ask Chase Ink for 0% offers but I am afraid of rejection.

I owe 22K in 0% credit card debt

My total Credit available across all these cards is $160000.00

https://www.fatwallet.com/forums/finance/1534527 Thu, 20 Oct 2016 19:10:37 -0500
<![CDATA[Etrade.com adaptive-portfolio?]]> https://www.fatwallet.com/forums/finance/1534517

Rating: 0 Posted By: needhelpplease
Views: 1200 Replies: 2

Any one tried this: ?


Page doesn't mention a cash credit offer that was emailed. Not sure if it's targeted??

Customers must enroll eligible E*TRADE Securities brokerage accounts with a minimum of $10,000 in E*TRADE Capital Managements Adaptive Portfolio advisory program to qualify for cash credit. Accounts must be enrolled and funded byDecember 31, 2017, the offer expiration date. Promotion is limited to one new Adaptive Portfolio account per customer and User ID and is not valid with any other offers.

Cash credits for deposits or transfers of new funds or securities from accounts outside of E*TRADE will be made as follows: $500,000 or more will receive $1,500; $250,000-$499,999 will receive $1,000; $100,000-$249,999 will receive $500; $25,000-$99,999 will receive $200; $10,000-$24,999 will receive $100.

New funds or securities must be deposited or transferred to the account within the earlier of 45 days of enrollment in the offer orDecember 31, 2017, and must be from accounts outside of E*TRADE Bank and E*TRADE Securities. New funds or securities must remain in the account (minus any trading losses) for a minimum of six months or the cash credit may be surrendered
https://www.fatwallet.com/forums/finance/1534517 Thu, 20 Oct 2016 18:35:02 -0500
<![CDATA[Need advice on small claims court and diminished value, hit and run]]> https://www.fatwallet.com/forums/finance/1534513

Rating: -2 Posted By: shawnhale
Views: 1423 Replies: 11

I've never used small claims court before and I am a little hesitant. My two options are to sue her directly through small claims, or use an attorney who wants to sue the insurance company. I would have to pay the attorney 40% and my claim is only for around $7k. Here is my situation:

Nearly two years ago on 10/28/14 a woman did a hit and run on my car in California. She was caught, taken to jail and now nearly two years later I've been subpoenaed to appear in court because the state is suing her for a DUI. Her lawyer has pushed the case back and back until finally, she failed to appear and now has a bench warrant out for her arrest. I've given the court a "Victim Impact Statement" describing what happened and the diminished value to my car, with a full diminished value (DV) report from a firm I hired to create it. The paperwork prepared by the firm states that I am owed $7k in diminished value

Last year I submitted the DV report and several responses back and fourth with her insurance, all through mail to have evidence and of course they are denying responsibility. Their reason being a prior fender bender that my car was involved in before I bought the car, maybe a $1000 claim for a tiny dent. Otherwise, my car had been in pristine condition, two months out of the 5 years 100K mile warranty.

I've spoken to an attorney that was recommended to me by the firm that prepared my DV report. This attorney "would love to represent me" for 40%, but won't do it any less since it is only a $7k claim. So I decided I should do the small claims and he recommended that I seek "punitive damages" as well to make the insurance company take my claim more seriously.

Does anyone have any advice?? I have no court experience and I'm just afraid that this woman will never pay. My car has been repaired but it isn't quite the same, small things really, but I had plans to sell my car while it was under 100k miles until the car was repaired and I saw that it had frame damage, now I know when selling it'll be hard for me to get a good value, I have to disclose the accident! What I'm really wondering is if I sue this woman directly, her insurance company will be responsible for paying me? I don't have confidence that she will even show up in court, much less pay, considering she won't show up for her DUI trial. Should I just have the attorney represent me and take the 40% hit and call it fair?
https://www.fatwallet.com/forums/finance/1534513 Thu, 20 Oct 2016 18:02:48 -0500
<![CDATA[Please Advise Best Health Insurance option]]> https://www.fatwallet.com/forums/finance/1534512

Rating: 0 Posted By: bucksandreds2185
Views: 1364 Replies: 10

Two parents, two kids and one more wanted in spring/summer 2018 so no probable birth but many probable Drs visits in 2017.

Work offers Gold and Bronze plans

gold $6000 per year $1450 per person deductible and 20% copay after to $13000 max and first $950 in expenses paid by employer.

bronze $1200 per year with $7000 total deductible (no individual deductible) and 30% copay to $13000 max (much easier to get to due to much higher deductible and higher copay) but is HSA eligible which I would max if I chose.

In my shoes, which would you pick and why? Obviously, if I wasn't planning another child i'd pick the cheap plan. I'm looking for advice in my situation.

thank you

https://www.fatwallet.com/forums/finance/1534512 Thu, 20 Oct 2016 17:58:06 -0500
<![CDATA[Paying for remodeling house]]> https://www.fatwallet.com/forums/finance/1534510

Rating: -1 Posted By: kimbowmanorama
Views: 1422 Replies: 6

I am in the process of doing some remodeling on my house. Watching the stock market, I am trying to figure out if it would be better to sell some stock to pay for it or it use a low interest credit card for right now till the market looks a little better. What is your advice for me? Thanks for any advice.
https://www.fatwallet.com/forums/finance/1534510 Thu, 20 Oct 2016 17:47:42 -0500
<![CDATA[Amex Blue Cash Everyday $150 Back on $500 + 10% Back On Amazon for 6 Months ( up to $200 total)]]> https://www.fatwallet.com/forums/finance/1534467

Rating: 3 Posted By: ctgolfer
Views: 2796 Replies: 9

Don't know if this is targeted, if offer don't pop up, try incognito mode.

Special Offer For You
EARN UP TO $350 BACK Here's How:
EARN $150 BACK after you spend $500 in purchases on the Card within the first 3 months of Card Membership.

PLUS, apply by 01/11/17 to earn 10% back on your first $2,000 in purchases at Amazon.com on the Card within the first 6 months of Card Membership, up to $200.

You will receive cash back in the form of statement credits.

No annual fee

https://www.fatwallet.com/forums/finance/1534467 Thu, 20 Oct 2016 13:48:32 -0500
<![CDATA[Offered modest settlement- subrogation law? ]]> https://www.fatwallet.com/forums/finance/1534422

Rating: 0 Posted By: ian2
Views: 1500 Replies: 3

Hi everyone! Using a throwaway account, but was wondering if anybody had insight/advice for me about this situation I'm in. A few months ago, I was in a supermarket (large national chain- think Kroger, Whole Foods, etc.) and was injured in a slip-n-fall. The injuries weren't extensive, but resulted in an ER visit and 2-3 weeks of bed rest. After months of back and forth with the companies claims contractor, I was offered a settlement of $3,000. This would be a sufficient amount to cover my out of pocket costs and pain/suffering. However, before I sign the release, I am worried that my health insurance company will come after me for the settlement. They paid over $3,000 in medical bills, and research is telling me that they may have a claim on the settlement. The claims person said that it would only be reported on his end if I have medicare (I don't), but would not flat out say that my insurance company would not or cannot take it. He did say, though, that he is not aware of any liens on the settlement. I wanted to get a personal injury attorney, but each one that I contacted has told me the case is too small for them to deal with.

The one possible reason that the insurance company may not, is that the incident took place in NY. From what I've read, NY has an anti-subrogation law that would not allow the insurance company to take the settlement. Is this the case? Would I be able to keep the entire amount of the settlement? Also, does it matter if I am not a resident of NY, even though the incident took place there? Thanks in advance!
https://www.fatwallet.com/forums/finance/1534422 Thu, 20 Oct 2016 10:03:53 -0500
<![CDATA[Proper formula to calculate investment performance in IRA subject to RMDs]]> https://www.fatwallet.com/forums/finance/1534421

Rating: 0 Posted By: DTASFAB
Views: 1361 Replies: 6

I'm having a hard time coming up with a proper spreadsheet formula to calculate rate of return (positive or negative) on investments within an IRA.

Hypothetical example:

Start with principal of $1,000,000 on January 1 of any given year.

Take a distribution of $50,000 on May 20 of that year.

On December 31, the account value is $1,200,000, meaning there were total earnings in the account of $250,000 for the one year period, some of which presumably happened prior to May 20 and some of which happened after May 20. I could backtrack and get an exact account value on the date of distribution so I could easily calculate my rate of return from January 1 to May 20 separately from my rate of return from May 20 to December 31, but I'm not particularly interested in those numbers. How do I calculate total overall performance for the entire year without breaking down the time period into smaller individual increments?

(METHOD A) Do I deduct the $50,000 distribution off the top and assume I started with $950,000 that earned $250,000? In this case, the earnings would be $250,000 / $950,000 = return of 26.32%

(METHOD B) If I assume the account value would have been worth $1,250,000 on December 31 had the distribution not occurred on May 20, the earnings would be $250,000 / $1,000,000 = return of 25.00%.

Alternatively, if there are losses during the year instead of gains, let's look at a different hypothetical example.

Start with principal of $1,000,000 on January 1 of any given year

Take a distribution of $50,000 on May 20 of that year

On December 31, the account value is $800,000, meaning there were losses in the account of $150,000 for the one year period.

(METHOD A) Do I deduct the $50,000 distribution off the top and assume that $950,000 was -15.79%, accounting for the $150,000 loss?

(METHOD B) Or do I assume the account value would have been worth $850,000 on December 31 had the distribution not occurred on May 20, the losses would be $150,000 / $1,000,000 = return of -15.00%?

Method A looks better than Method B when there are gains (up 26.32% as opposed to up 25%).

But Method B looks better when there are losses (down 15% as opposed to down 15.79%).

Is there a method C I'm failing to understand? How do I create a formula that's accurate, precise, and consistent? I could do the individual time period calculations as described above (1/1-5/20 and 5/20-12/31) and then create a weighted average of the two time periods based on number of days in each, but I'm looking for a quicker method with fewer steps. Specifically, I'm looking for something that does not require me to have account valuation information on the date of the distribution. I'm also looking to create a formula that will work across multiple years (meaning multiple distributions).

https://www.fatwallet.com/forums/finance/1534421 Thu, 20 Oct 2016 10:01:45 -0500
<![CDATA[short term investement of cashout $$ ]]> https://www.fatwallet.com/forums/finance/1534326

Rating: 0 Posted By: callMeAmit
Views: 1592 Replies: 8

I'm refinancing rentalat 3.875% 30yr fixed conforming (current loan 292 + cash out 125 =417k)which will release @125k.
The cash cost will start rolling up at 3.875% annuallyas soon as I close on refi.
While I decide on buying primary home in next3-9 months, I'd like tolearn about options to park cash out $$ so that my cost (3.875%) is minimized.
Are there any viable options in stock market where I can be reasonably certain to earn at least 3.875% pa ?
Appreciate your thoughts...

https://www.fatwallet.com/forums/finance/1534326 Thu, 20 Oct 2016 01:46:41 -0500
<![CDATA[Earn UA miles by investing with Lending Club]]> https://www.fatwallet.com/forums/finance/1534252

Rating: 0 Posted By: manuvns
Views: 1831 Replies: 6


Received an email today offering 1 UA mile per $2 invested with Lending Club. New investors only; taxable accounts only (no IRAs). 100K mile limit.

It may be that other mileage programs will be or are included - I only received an email from MileagePlus.

I already am an investor with LC, so no-go for me.
https://www.fatwallet.com/forums/finance/1534252 Wed, 19 Oct 2016 15:59:02 -0500
<![CDATA[Cash out vacation in 2016 due to 2017 SS payroll tax increase]]> https://www.fatwallet.com/forums/finance/1534212

Rating: 1 Posted By: subieaggie
Views: 3713 Replies: 25

I read that the SS payroll tax cap is going from 118500 to 127200 next year. Assuming I get a cost of living increase (I.e. 3%) next year, would it be prudent to cash out the vacation so I am not subjected to additional tax for earned vacation?
https://www.fatwallet.com/forums/finance/1534212 Wed, 19 Oct 2016 11:51:58 -0500
<![CDATA[Extremely unique franchise opportunity, need help!]]> https://www.fatwallet.com/forums/finance/1534174

Rating: 0 Posted By: fmauricea
Views: 3531 Replies: 45


Imay have received an opportunity of a lifetime and I want to make sure it's exactly that.

Before I get started I do have a non-disclosure agreement, however, the business model isn't my concern, it's the paperwork that I will have in the next month+.

I'm a personal trainer and was approached by a client of mine about a franchise opportunity, he wants me to head it. The pay he's offering is negotiable depending on my paystubs, so that's not a problem.
The biggest thing he's enticing me with is a vested interest in the company. The models for the other franchises and their profits are solid, and my client knows the area extremely well. He's not only extremely successful but he's probably one of the most powerful and influential people in my major metropolitan area.

The question I have is mainly the vested interest portion. He is offering me 5% of the business annually, with a cap after 5 years of 25%. I can only take my share after 3 years (15%).

I'm extremely unfamiliar with stock options/franchises, really all of this except the management/fitness/marketing.

How can I make sure he doesn't fire me after 3 years to save himself potentially $250k

How much would I be able to pocket after 5 years assuming the profits are between $200-450k annually?

One more thing. He's getting me in touch with another person he's offered the same business plan for so that I may ask how it's like to be a partner with him. However, said person has only been on for 2 years, and I'm uncertain they are any more knowledgeable on this aspect of business than myself.

Much appreciated!
https://www.fatwallet.com/forums/finance/1534174 Wed, 19 Oct 2016 08:14:19 -0500
<![CDATA["Shift" Convenient Used Car Buying and Selling]]> https://www.fatwallet.com/forums/finance/1534069

Rating: 0 Posted By: diffeldoof
Views: 1734 Replies: 11

AKA - Another "we need a car sub-forum but then again it wouldn't get any views" thread.

So we're in the market for selling our car, which sucks, and I found this company in a Facebook ad of all places. Anyone heard of this or have any experience? They started in CA and have expanded to the DC area where I currently live after a supposedly sizeable investment through Goldman Sachs.

Review in TIME Magazine

The process appears to work like this... perhaps a more thorough review in the TIME article above.

- They give you an "instant" quote (mine came via phone call the next day though).
- Quote includes an estimated minimum guaranteed amount and an amount that they estimate they would sell it for.
- One of their "Enthusiasts" comes to you on your schedule to thoroughly inspect the vehicle.
- Anything significant either reduces the min/max quotes, or they give you the option to get it repaired through them at supposedly affordable rates (damage, tires, brakes, CEL, etc.)
- You sign the contract and they come get the car from you and handle everything else regarding the sale. If you're moving like we are, you can keep the car until close to the day you leave.
- According to the rep, they only make their money by splitting anything over the minimum amount 50/50
- If it does not sell in 90 days, they pay you the minimum quote no matter if it sells or not.

- They post impeccable photos on the listings including close ups of all damage/wear and tear.
- They bring cars to you to test drive on your own schedule... supposedly zero pressure since they are paid hourly.
- If you buy it you have 7 days to return the car.
(This is as far as I can tell from their site and the TIME article since I wouldn't be using it to buy)

So I am basically at step 0.5 of the selling process and have only been given the rough estimate over the phone. I am not sure if we will even sell the car, but as we get closer to the move I will at least have them do the full inspection and report back. As of right now, their estimates for my 2011 Jeep Compass with 43K miles was $8,100 minimum and they would plan on listing it at 10,500. KBB range is $7,897 to $9,064 ($8,481 trade in). Seems like I'd probably do just as good as trading it in, but for a ton less effort... plus we're not replacing it.

Anyone read about this or better yet, tried it? What do you think some of the cautions would be besides the obvious normal issues with buying and selling cars? It seems like they are at least giving the impression that they aren't pulling any shenanigans... that alone and the relatively close values, plus the Time=Money convenience seems like it's worth a shot. Thoughts?
https://www.fatwallet.com/forums/finance/1534069 Tue, 18 Oct 2016 18:34:41 -0500
<![CDATA[Rate and fee matching on CC balance transfer offers?]]> https://www.fatwallet.com/forums/finance/1533904

Rating: 0 Posted By: pillsdoughboy1
Views: 1624 Replies: 11

Any one ever try this? Any success? I have the 0/0 offer from Chase but it is limited to 15k over a 30day period
https://www.fatwallet.com/forums/finance/1533904 Mon, 17 Oct 2016 23:39:46 -0500
<![CDATA[Individual Health Insurance Question re benefit of purchasing on-exchange vs. off-exchange ]]> https://www.fatwallet.com/forums/finance/1533903

Rating: 0 Posted By: bighitter
Views: 1582 Replies: 4

Looking for advice regarding on and off-exchange health insurance. From what I understand, an individual in California who will be paying for their own insurance plan has two options:

(1) Purchase a plan through Covered California,the state government-runhealth exchange. From the 2017 Preliminary Rates (proposed however still subject to public regulatory review) booklet here:http://www.coveredca.com/news/PDFs/CoveredCA-2017-rate-booklet.pdfit looks as if the plan I am looking at will increase in 2017 a little over 20% from the 2016 rate schedule

(2) Buy a private plan through an insurance agent or a health plan directly outside of the exchange. I have been told some insurers no longer offer individual full-network plans in Southern California so choice of insurance companies appears to be very limited now.

My questions are:

(1) Are the premiums for both (1) and (2) above typically the same in California assuming the same insurer and the same metal level? In this case, the carrier being considered will most likely be Blue Shield

(2) Is the only benefit of choosing the government run program is when ones income is low enough to qualify for a government funded premium subsidy?

(3) Anyone have any personal experience as to whether Blue Shields available physician / hospital facility / medical groups are the same in Southern California for both on and off the exchange? Do physicians try to limit the number of "exchange" patients?

(4)If the medical group or hospital that a customer selects quits participating in that insurers program during 2017, is the customer able to switch insurance companies or are they stuck with choosing from that insurers menu of available medical groups until the next annual enrollment period.

Thanks in advance for any recommendations/advice.
https://www.fatwallet.com/forums/finance/1533903 Mon, 17 Oct 2016 22:57:29 -0500
<![CDATA[401k - Traditional or Roth?]]> https://www.fatwallet.com/forums/finance/1533837

Rating: 2 Posted By: seethalu
Views: 2810 Replies: 31

Hi All,

I work for a company that offers both Traditional and Roth 401k for the employees.

I have always been contributing to Traditional 401k so far. Have 520K in Traditional 401k and am 46 years old now. I am thinking if it is a good idea to put in Roth 401K for few years now if paying taxes now is not an issue?

Thanks all in advance.
https://www.fatwallet.com/forums/finance/1533837 Mon, 17 Oct 2016 16:10:12 -0500
<![CDATA[My cash flow is 20 years but MACRS table is 21 years]]> https://www.fatwallet.com/forums/finance/1533830

Rating: 0 Posted By: fleetwoodmac
Views: 1768 Replies: 10

I am confused and I need some help.
I am trying to calculate the NPV and IRR on an investment and I am using MACRS tax table to calculate the depreciation
The problem is my cash flow is 20 year horizon and I supposed to apply only 20 years of revenue expenses and all that.
But the depreciation table MACRS has 21 years. If I apply only 20 years of the table then the total index does not total up to 100% but instead 97.77
So how do you apply 21 years MACRS table to a 20 years cash flow table?
Here is the MACRS table I am talking about

https://www.fatwallet.com/forums/finance/1533830 Mon, 17 Oct 2016 15:04:57 -0500
<![CDATA[Customers pile in, analysts fret as U.S. banks offer rich card awards]]> https://www.fatwallet.com/forums/finance/1533744

Rating: 2 Posted By: tightpapa
Views: 5401 Replies: 76

https://www.fatwallet.com/forums/finance/1533744 Mon, 17 Oct 2016 09:35:31 -0500
<![CDATA[Sending Tax Returns by Certified or Regular Mail?]]> https://www.fatwallet.com/forums/finance/1533743

Rating: 0 Posted By: SinbadS
Views: 2157 Replies: 42

Is it a good idea to send tax returns by regular first-class mail or certified. Last year when I sent my tax return by regular mail paying with a credit card my receipt showed an item/package was sent to the IRS address with the date. Isn't this enough for a proof?
https://www.fatwallet.com/forums/finance/1533743 Mon, 17 Oct 2016 09:30:36 -0500
<![CDATA[Citi Double Cash 0% on purchases?]]> https://www.fatwallet.com/forums/finance/1533669

Rating: 0 Posted By: motuwallet
Views: 1708 Replies: 6

Hi, my wife recently got an offer in the mail for the Citi Double Cash card with 0% on purchases for 18 months. Is this a targeted offer only? For various reasons I'd like to apply for one in my name, not hers, but I can't use the invite code with my name. A link would be appreciated!
https://www.fatwallet.com/forums/finance/1533669 Sun, 16 Oct 2016 23:35:06 -0500
<![CDATA[Best way to get rid of a car with an unknown problem?]]> https://www.fatwallet.com/forums/finance/1533635

Rating: 0 Posted By: staufj22
Views: 2414 Replies: 21

I have 2007 Honda Prelude that started having strange engine noises about 5 years ago. It was like some clinking noise, the check engine light never came on but i just decided not to drive it. It's been sitting in my driveway ever since and the paint is starting to show some damage. Being a Honda, it still starts fine and I can move it once in awhile if I needed space on my driveway. I've always thought that I would get it fixed and sell it in good working order to fetch the best price, but seeing as I haven't done it in 5 year, it's probably not going to happen.

Any advice on the most economical way of getting rid of it? I've heard a lot of commercials about donating it to charity but I wouldn't be able to reap that much tax benefit anyways. What would you do?
https://www.fatwallet.com/forums/finance/1533635 Sun, 16 Oct 2016 19:05:03 -0500
<![CDATA[Help to Review my situation (Long time member )]]> https://www.fatwallet.com/forums/finance/1533618

Rating: 6 Posted By: zeal4thil
Views: 3202 Replies: 31

I am not posting as a newbie to hide my handle so need honest opinions from fellow Fatwallet friends ..Pls be gentle and understand the reality of the questions and not the past ....

Please don't ask about the past ,as lot of things happen and we are starting over fresh from the last 3-4 years .
Have a relatively stable job and family (3 person family .1 kid 7 years old ).Here is my monthly expense .
Wife is taking care of kid and not working now and want to work in the near future (3 -5 yrs )

Monthly Expense
Rent :1600
Utilities :100
Car /insurence :800 (2 cars 1 paid out 1 outstanding 30K with 10K paid out already )
Internet/Phone : 100
Groc: 400
Kid extra curricular : 300 (Swimming /karate/Arts/maths etc )
Fuel :100
Misc :400-500

Average Monthly exp as above vary between 3.5-4K

Income :
150K base and 32 K Annual bonus (and 4% top of this as 401K match ) . So gross package will be around 190K and looking for a 20K raise next year
i am good at my job and always got 100% of the bonus in the last 3-4 yrs (after i started this job).
401K company max at 4% match for my 5% contrinution so hitting that 5% mark
401K current balance 35K ) ( PLs don't ask why didnt start in the past as multilpe things happend and we just starting over for the last 3 yrs only
401 itself started last 2-3 yrs ago only.
I have a cash balance of 60K in Discover checking for 1% APY
safely net of 8K in my day to day checking account

Monthly take home around 8k and with all the above expense we net around 4k savings monthly (annual bonus not included in the savings ,that after tax will be around 18-20K)

Here is my ASK and suggestions

I know my net worth and Savings are not in the right range for a 150K salary person but I am just re -starting out at a relatively later age (35 yrs old now )

We are thinking about buying a home and our requirements home starts from 500K only in the area we are looking (simple req ; 3-4 Bd /3 Bath ,2500 Sqft ,relatively new const , Best schools and in a developed community not far from regular things )
We are in IL suburbs and Tax rates are high . All the homes we looked o far has a tax rate of 12K minimum per year and a HOA of 200-400K ( we want a community not a independenet single house due to my trael req and family safely in a closed community )

All the Rent Vs buy calcs so far suggest to keep renting

Questions :

1. Am I saving enough ?. suggest if any suggestions to max the savings

2. Should i buy or keep renting for some more years before even thinking about buying

3.where can i start getting more value for money (than the 1% APY in discover . I had some bad investing exp during the last recession but can try again a relatively safe investment strategy )

4. Any other suggestions for investments or buying strategy

5.Am I living too high for my income do i need to step down anything (I know new car was my bad decision . but some times we live once and got into the flow...I still regret it but anything i do now for that is not going to improve that ).
https://www.fatwallet.com/forums/finance/1533618 Sun, 16 Oct 2016 13:46:48 -0500
<![CDATA[contractor damages gas line (california)]]> https://www.fatwallet.com/forums/finance/1533614

Rating: 0 Posted By: AbbaZabba
Views: 1807 Replies: 18

So I hired a licensed contractor to do a parking lot re-pave. During tear out of the old parking lot, he hit the gas line for the building. The utility came and capped it off near the street.

Gas co said they will send him the bill for the emergency call-out, but they have estimated the cost to re-run the gas line as 5-8k roughly.

There was a dig alert for the property a few days earlier, but it was requested by a different contractor doing other work, and the line was marked out (although not visible after asphalt was removed on day 1 of the job). The contractor that damaged the line claims it was not buried deep enough (he claims 6-12 inches) - the gas co claims it was burred correctly. The gas service is not used at the building currently, but may be in future. With the contractor installing a new parking lot, I do not want to leave it capped at the street only to have to bust up the parking lot in a couple years to re-run the line. Currently the contractor has finished pouring the lot but left a 12 foot strip (so that when it is finished it will somewhat match the saw cut pattern) open from the building to the street.

I also want to proceed as quickly as possible with re-running the line as most of the parking lot is inaccessible with the strip open (I will look into a temporary solution of moving some dirt to make a path across it)

Contractor has been paid approximately 17k out of 38k total for the job so far and is requesting another 13k or so progress payment early next week - despite contract language stating 17k after tear out and remainder after "completion of work".

What are FWF's thoughts? Obviously I don't want to pay anything relating to this damage, and want the line re-run/ parking lot finished ASAP. I don't believe contractor will step up voluntarily to pay for it. He does have a $15,000 bond.

Is this a situation where I will likely end up paying for the repairs then taking him to small claims or going after his bond?

Withhold further payment until he pays gas co to fix and finishes pouring lot? (in this case I would guess he will stiff the concrete supplier and they will place a lien on the property - concrete bill is approx 12k so far)


https://www.fatwallet.com/forums/finance/1533614 Sun, 16 Oct 2016 13:08:52 -0500
<![CDATA[Outpatient surgery more than a 4 day c-section?!?]]> https://www.fatwallet.com/forums/finance/1533562

Rating: 0 Posted By: nic3456
Views: 2325 Replies: 35

I'm trying to wrap my head around some hospital charges.

In August my wife had a scheduled C section and then spent 4 nights in the hospital.
In September I had scheduled outpatient umbilical hernia surgery and was in the hospital for 4 hours (about half of which was just sitting in the recovery room)

We both went to the same hospital - her hospital charges were $12,200 & mine were $14,560!How is that even remotely defendable from the hospital? We either got a deal on the csection or screwed on the outpatient.

NOTE: neither one of us had any complications/extra charges and these bills did not include the doctor or anesthesia charges.
https://www.fatwallet.com/forums/finance/1533562 Sun, 16 Oct 2016 06:46:14 -0500
<![CDATA[Buying an established ecommerce/book company]]> https://www.fatwallet.com/forums/finance/1533522

Rating: 0 Posted By: chatterweb
Views: 1663 Replies: 9

they never did google ad words to advertise

Should I approach it or not?
https://www.fatwallet.com/forums/finance/1533522 Sat, 15 Oct 2016 23:56:03 -0500
<![CDATA[Missed Sep 15 Estimated Tax. Should I Send It Now or Skip?]]> https://www.fatwallet.com/forums/finance/1533519

Rating: 0 Posted By: traderranger
Views: 1958 Replies: 16

I missed sending my quarterly tax on Sep. 15 (I sent on Jan. 15, Apr. 15 and Jun. 15). Should I send it now or skip and wait until Jan. 15 next year to send both amounts in one check with the Jan. 15, 2017 voucher (Sep. 15 amount + Jan. 15 amount)? Any penalties if I send it now because the remaining vouchers they sent me are for Sep. 15, 2016 and Jan. 15, 2017?
https://www.fatwallet.com/forums/finance/1533519 Sat, 15 Oct 2016 23:13:49 -0500
<![CDATA[Landlord allways right..]]> https://www.fatwallet.com/forums/finance/1533488

Rating: -7 Posted By: eGorka
Views: 2942 Replies: 42

Hi guys,

I have a situation which bothers me someway. My parents lived in one apartment 20 years, I guessed they liked it, quiet, not expensive, etc. Their latest landlord decided kick them out with a one month notice, to fully remodel the apartment, and put in the market for a $300 increase in rent. Now, landlord agreed to not charge for repairs for normal wear and tear on the carpet, walls, etc, but did charge them about $700 for cigarette smoke damage. Their lease with the newest landlord does state "no smoking in unit". Isn't this charge too high for a two bedroom apartment?

My parents were planning on buying a house after this apartment, but the notice came out of nowhere. Now, my parents have had big unnecessary expenses, because of the notice, put them instead in search of temp housing. Landlord is formally correct with the one month notice, but wouldn't it be considered inhuman or elderly discriminating to not give a more advanced notice? Yes, I know that by law landlord does not have obligation to babysit each renter, but in this case my old unsuspecting folks after many years in that same apartment was absolutely shocked to learn news that they must leave in 1 month and the clock is already ticking. I'm sure the landlord was already planning on remodeling prior and their Handyman was always around the property, even a word of mouth notice like "oh hey, I heard the landlord wants to remodel soon, just a heads up"
https://www.fatwallet.com/forums/finance/1533488 Sat, 15 Oct 2016 16:45:42 -0500
<![CDATA[Tax program/ site for those of us who typically take standard deduction?]]> https://www.fatwallet.com/forums/finance/1533485

Rating: 0 Posted By: needhelpplease
Views: 1509 Replies: 6

We typically take standard deduction (no mortgage deduction).

I know about above the line deductionshttps://en.wikipedia.org/wiki/Above-the-line_deductionbut there are other also CREDITS I want to make sure I don't miss out on.TurboTaxcombines the two (above the line and pg 2 deductions) under deductions.

Are their better Tax program/ sites that do better for those who take the standard deduction?
https://www.fatwallet.com/forums/finance/1533485 Sat, 15 Oct 2016 16:22:17 -0500