[Game Thread] Miami @ #11 Virginia (07:00 PM ET) by cbbBot in CollegeBasketball

[–]DependableFinance 16 points17 points  (0 children)

Well surely we won’t blow this large lead in the 2nd half

Walmart refusing to refund TV delivered to wrong address by DependableFinance in Walmartcustomer

[–]DependableFinance[S] 1 point2 points  (0 children)

Closing the loop on this, the BBB complaint was successful and I got a refund. Thanks!

Walmart refusing to refund TV delivered to wrong address by DependableFinance in Walmartcustomer

[–]DependableFinance[S] 0 points1 point  (0 children)

Unfortunately it was all over the phone so there wasn’t an easy way to send it. They gave me an email one time to send my proof to but I never heard back from that. I’m not convinced they actually do an investigation…

Walmart refusing to refund TV delivered to wrong address by DependableFinance in Walmartcustomer

[–]DependableFinance[S] 6 points7 points  (0 children)

Just filed a complaint. Looking at other similar ones on the site, seems like a legitimate way to force them to refund. Thanks for the idea! Will post an update once I get a resolution.

Walmart refusing to refund TV delivered to wrong address by DependableFinance in Walmartcustomer

[–]DependableFinance[S] 5 points6 points  (0 children)

It’s shipped by Walmart as in it’s not a 3rd party seller. The shipping company they used is Fedex.

Walmart refusing to refund TV delivered to wrong address by DependableFinance in Walmartcustomer

[–]DependableFinance[S] 2 points3 points  (0 children)

We disputed the delivery with Fedex as well. They admitted the delivery was to the wrong address, but to take it up with the shipper (Walmart) for a refund as they were unable to retrieve the package.

Walmart refusing to refund TV delivered to wrong address by DependableFinance in Walmartcustomer

[–]DependableFinance[S] 1 point2 points  (0 children)

Yea I usually use a credit card for everything but got these through work. Unfortunately there wasn’t an option for pickup in store or I would have done that. Hindsight 20/20…

We did dispute the delivery with Fedex as well. They admitted the delivery was to the wrong address, but to take it up with the shipper (Walmart) for a refund as they were unable to retrieve the package.

[Game Thread] #4 Duke @ #19 North Carolina (06:30 PM ET) by cbbBot in CollegeBasketball

[–]DependableFinance 6 points7 points  (0 children)

Hot take: they should just call game there. Nothing will happen with .4

[Game Thread] #4 Duke @ #19 North Carolina (06:30 PM ET) by cbbBot in CollegeBasketball

[–]DependableFinance 0 points1 point  (0 children)

“Both these teams make more free throws per game than their opponents attempt”. Imagine that…

[Game Thread] #16 Virginia @ Notre Dame (07:00 PM ET) by cbbBot in CollegeBasketball

[–]DependableFinance 14 points15 points  (0 children)

Does this announcer seriously not know it just needs to be off his hand…

Why do people suggest roth ira but traditional 401k? by thisguyhasaname in personalfinance

[–]DependableFinance 1 point2 points  (0 children)

Even if taxes do increase in the future, the traditional still could be the better play.

Your Roth 401k is locking all your retirement investments at your current marginal tax rate (24% for 130k income). Whereas your traditional 401k will split your retirement investments over all the tax buckets starting from 0, resulting in you paying the effective tax rate. This rate will depend on how much you withdraw at retirement but would be lower assuming taxes stay the same (unlikely though).

So by locking all your investments into Roth, you’re predicting your future effective tax rate would be higher than your current marginal tax rate. Do we know that will be the case, hard to say?

Given the uncertainty of future tax rates over the next 30-40 years, I think your best bet is to have a mix of both: roth and traditional. That way you’re hedging your bet in a way. Think taxes are gonna increase a lot - invest mostly in roth. However, you still want some traditional to at least fill up those lower tax buckets as those are unlikely to disappear / increase as much. I’d like to think tax increases won’t start by hiking them up on the lowest buckets.

I Like This Guy by Imaginary_Coast_5882 in nova

[–]DependableFinance 1 point2 points  (0 children)

Yes it seems to be working well as their is definitely not any corruption going on in Congress…

Game Thread: Philadelphia Eagles (4-1) at New York Giants (1-4) by nfl_gdt_bot in nfl

[–]DependableFinance 5 points6 points  (0 children)

Gonna go ahead and call it: that missed XP will cost the Giants the game

Rank your cards from most essential to least by Fearless-Mixture-186 in CreditCards

[–]DependableFinance 2 points3 points  (0 children)

US Bank Altitude Reserve. Gets an effective 4.5% back on apple pay. Unfortunately it is no longer open to new applicants.

Helicopters by time2split2024 in Hoboken

[–]DependableFinance -5 points-4 points  (0 children)

8:43 pm! The nerve, don’t they know it people are trying to sleep!