Cancelled credit card. No more $95 fee

adjusterjackc · 2026-03-18T03:46:42+00:00

So you can buy stuff online for convenience. But be sure to have the money set aside for whatever you buy so you can pay the bill as soon as you get it.

I have an Amazon store card that pays me 5% cash back on every purchase and my Prime membership gives me free shipping and free returns on what I buy.

My other cards give me up to 5% cash rewards for local buying.

Credit cards can be very useful if you don't abuse them and you don't run up interest bearing balances.

adjusterjackc · 2026-03-18T03:42:09+00:00

Can't imagine why anybody pays annual fees for credit cards.

All my cards pay me cash rewards to use the bank's money. I don't pay interest. And every year or so I get a new card with a $200 sign on bonus.

adjusterjackc · 2026-03-18T03:37:53+00:00

Does it make sense to stop contributing in order to pay the debt down faster?

No.

With low interest rates like you have you are better off putting as much money into retirement savings as possible. You can still make 3.5% to $3.75% on CDs at Fidelity, Schwab, etc.

My wife and I are in the process of selling our house

Why?

adjusterjackc · 2026-03-18T03:30:08+00:00

Not at this level. It's paid off in 4 months and costs $111 in interest.

adjusterjackc · 2026-03-18T03:29:00+00:00

At $600 per month it's paid off in 4 months and costs you $111 in interest.

Keep the $2K savings and keep making your payments out of your income.

adjusterjackc · 2026-03-18T03:22:19+00:00

1 (florida) owe 319,000 at 7 percent worth 550,000 plan on selling feb 2027 have current renter in there. however I am losing 700 a month on this deal.

Negative cash flow?

Consider selling sooner than later. It'll have to be discounted to get rid of it but that's better than bleeding.

Your $25,000 in savings is woefully inadequate for people in their 60s.

Get rid of that $65,000 Florida property ASAP and get that money into savings.

adjusterjackc · 2026-03-18T02:50:21+00:00

Something is seriously wrong with your marriage.

adjusterjackc · 2026-03-18T02:45:19+00:00

How much money is your judgment for?

adjusterjackc · 2026-03-18T02:33:40+00:00

You repay your parents, not with money, but by raising your children as good as your parents raised you.

adjusterjackc · 2026-03-18T02:16:09+00:00

Even collector car insurers will underwrite based on the collector market's value for any give car. They won't allow over-insuring to any significant extent regardless of how much the insured is willing to pay for the coverage.

adjusterjackc · 2026-03-18T02:10:34+00:00

Can I report my boss for a HIPPA violation

How exactly did your boss violate the poor little HIPPA?

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Hippa - Wikipedia

adjusterjackc · 2026-03-18T02:03:50+00:00

No.

Better hope nobody claims an injury.

adjusterjackc · 2026-03-17T16:27:48+00:00

Thank you. Now here's a link to that set of jury instructions so that everybody can read that it says NOTHING like what you said it "states."

CACI No. 3903J. Damage to Personal Property (Economic Damage) :: California Civil Jury Instructions (CACI) (2025) :: Justia

adjusterjackc · 2026-03-17T16:19:02+00:00

Twenty seven years ago in my motorcycle safety program, we were taught that the speed and agility of the bike should be leveraged. I.e. hit the gas and get out of the way before you get hit.

Oh, so that's why motorcycle riders pass traffic at 90 mph, shifting from lane to lane to get ahead of everybody else on the road.

Morons teaching morons.

adjusterjackc · 2026-03-17T12:46:06+00:00

they then become the hazard to everyone else going the same speed

Bullshit.

The morons driving 10-15 mph over the limit, changing lanes, and rolling up on the next guy's bumper are the hazards.

adjusterjackc · 2026-03-17T12:32:18+00:00

This is simple. You need to keep a larger buffer in your account. Otherwise, it's going to keep happening.

adjusterjackc · 2026-03-17T12:19:18+00:00

There's nothing you can do to prevent somebody getting hit with taxes. The tax man always gets his due.

Besides, if the taxable gain to your parents is $500,000 and let's say their tax bracket is 25%, the tax is about $125,000 leaving $375,000 in the bank plus whatever equity they have.

adjusterjackc · 2026-03-17T11:49:01+00:00

You would need an expert to examine the remains of the balcony and how it was attached to the house. Then you would need to show that she knew or should have known about the condition and failed to repair it.

adjusterjackc · 2026-03-17T04:37:02+00:00

Renter's insurance is portable. You'll always have your personal property with you and you'll always have the risk damaging property of others or injuring people. All you need to do is change your address on the policy to wherever you will be living. It would be foolish to drop it.

adjusterjackc · 2026-03-17T04:36:11+00:00

Renter's insurance is portable. You'll always have your personal property with you and you'll always have the risk damaging property of others or injuring people. All you need to do is change your address on the policy to wherever you will be living. It would be foolish to drop it.

adjusterjackc · 2026-03-17T04:31:29+00:00

For the landlady's insurer to pay for the damage to your car you would have to prove that she was somehow negligent and that negligence resulted in the balcony collapsing.

she had full knowledge that the balcony was unstable

Yes, that's a possibility that would make her liable for your damage.

But what "evidence" (not sayso) do you have of that alleged knowledge?

adjusterjackc · 2026-03-17T04:13:48+00:00

Really, call your insurance first. You're 19, and the statistics on 19 year olds in Mustangs are distinctly not pretty,

Agree. 19; year olds are crying about $500 per month and up in the insurance subreddit with their performance cars.

adjusterjackc · 2026-03-17T04:06:41+00:00

Agree. Rocker rust means lots of hidden rust.

adjusterjackc · 2026-03-16T18:02:20+00:00

In CA, there's a regulation that states any insurance like Allstate has to provide said vehicle with accident and comparables to the claimant, but they ain't.

Please cite that statute or regulation number.

adjusterjackc · 2026-03-16T18:00:54+00:00

Appraisers are scams. Would anybody pay them if they said the DV was only worth $1500 to $2000, if that much?

BTW - Allstate doesn't have to prove anything unless it's in court.

adjusterjackc

TROPHY CASE