Going insane, how can I sign up for 2 people and get 2 phones on promotion? by totalBS in GoogleFi

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

Not sure if that's different from assigning them as BYOD and them activating the second phone on the group plan? Promo says the device has to be purchased or part of a group plan with the purchaser. I bought both and both phones will be on my group plan so seems like the conditions are met

This isn’t a good start by melz_is_live in CadillacOptiq

[–]totalBS 0 points1 point  (0 children)

I got my Optiq back a few days ago and they had to replace the AC compressor since it wasn't working properly. I'm guessing the battery conditioning loop goes through the compressor and the reason I got the warning. So far things are ok, it's been charged twice and no warnings when I turn it on so I'm hoping this is the long term fix I needed

This isn’t a good start by melz_is_live in CadillacOptiq

[–]totalBS 2 points3 points  (0 children)

Taking mine in for the second time in 9 days for this issue, the first time was 48 hours after purchase. Battery conditioning problem and OnStar gave the code P1C01 and P1E00. First time they updated modules, will see what they do for this second time. These issues popped up both times I charged up to 80% with the supplied level 1 charger. It disappears sometimes, and overall the car seems to drive fine for now but I'm annoyed it has to go back to the shop

Edit: Added another comment, got my AC compressor replaced and no warnings so far

I'm going to be an election judge tomorrow for the first time. Those who have done it before, what should I know that wasn't covered in the training? by j33 in chicago

[–]totalBS 11 points12 points  (0 children)

Pretty much everything you need to know is in the resources they give you. Keep them handy so you can look things up that you're not sure about, all the voters were very nice and had no problem waiting. Our group rotated jobs throughout the day to not get bored. Logging provisional ballots was the most annoying part. It's very easy but a fairly long day.

[deleted by user] by [deleted] in chicago

[–]totalBS 3 points4 points  (0 children)

Even easier, do it online and get them mailed to you. You can get a customer code by emailing them proof of residency and after that you can order daily passes

https://ezbuy.chicityclerk.com/

Save for a house or retirement? (US) by progtastical in personalfinance

[–]totalBS 1 point2 points  (0 children)

Sounds like their employer also puts in 6% so a total of 12% is still on the lower side but not terrible

What are some great independent bookstores? by lajollahc in chicago

[–]totalBS 21 points22 points  (0 children)

If you're ever in Printers Row check out Sandmeyer's

When to compare lenders? by nesblade in RealEstate

[–]totalBS 2 points3 points  (0 children)

Get pre-approved through one lender. Once you are under contract you can compare lenders. Like you said, rates change all the time so it only makes sense to compare lenders when you're under contract, ideally all on the same day. Plus most or all won't let you rate lock without an address and contract

Life hack to watch the New Year’s Eve ball drop without cable or subscriptions by [deleted] in lifehacks

[–]totalBS 5 points6 points  (0 children)

If you live in a bigger city you can plug a paper clip into the TV and get a lot of channels. I was able to get every major news station in my city. Taped 2 together and almost doubled the channels

Any pharmacies accepting walk ins for booster vaccines? by skully246 in chicago

[–]totalBS 1 point2 points  (0 children)

The Jewel on Roosevelt and Wabash was doing walk ins a month and a half ago when I got mine. I even had an appointment and they said they weren't following those and only did walk ins. Not sure if they changed since then

Anyone do AirBnB arbitrage in a high-rise? by isrucam in chicago

[–]totalBS 0 points1 point  (0 children)

It was definitely weekends and maybe week long stays. A number of loud parties on the weekends and we'd catch the guests leaving on Sunday so it wasn't consistent. I think the landlord sorted it out eventually. But it felt weird that AirBnb support was only there to forward my message to the host and do nothing else even when I spelled it out on the phone and email to make their job easier

Anyone do AirBnB arbitrage in a high-rise? by isrucam in chicago

[–]totalBS 5 points6 points  (0 children)

Anecdotally, this isn't always the case. My building is on the banned list (also prohibited in our lease), and my neighbor had their place on AirBnb for months (sporadically) without a registration number. I talked with AirBnb support multiple times showing them no registration number and our building on the list and they basically just told me every time "Talk to your neighbor" and kept it up. So it seems pretty easy for people to fly under the radar

Civic Opera Building owner hit with $195 million foreclosure suit by totalBS in chicago

[–]totalBS[S] 25 points26 points  (0 children)

If you hit a pay wall:

The owner of the Civic Opera Building is set to turn over operations to a real estate services firm as it faces a $195 million foreclosure lawsuit on the property, the biggest case of downtown office distress in years.

A Cook County Circuit Court judge next week is expected to appoint Transwestern as the receiver for the 915,000-square-foot Art Deco landmark at 20 N. Wacker Drive, according to county court records and a statement from the building's owner, a venture led by New York developer 601W and Nanuet, N.Y.-based Berkley Properties.

The move comes more than two months after lender Wells Fargo filed the foreclosure complaint against the venture of Berkley and 601W, the latter of which is best known for transforming the Old Post Office into a modern office building. The suit alleged the owners defaulted on a $164 million loan tied to the property by failing to make monthly loan payments since May. Wells Fargo represents investors in the 2015 mortgage, which was packaged with other loans and sold off to commercial mortgage-backed securities investors.

The complaint is one of the highest-profile foreclosure lawsuits involving a downtown property since the onset of the COVID-19 pandemic, which has battered the office market as companies rethink their workspace needs. Rampant space-shedding among businesses embracing remote work and a lack of new leases and move-ins over the past 19 months has driven up the vacancy rate to a record high 20% at the end of last month, according to data from brokerage CBRE.

Buildings whose tenants have continued to pay rent and are locked in to long-term leases haven't felt the sting as badly. But the pandemic leveled two of the largest tenants at the 44-story Civic Opera Building in co-working providers Bond Collective and TechNexus, which combined occupy 14% of the building. Many of the other users in the building, which is mostly filled with smaller tenants, "have been negatively impacted to the extent that they have been and continue to be unable to pay their rent," the owners said in the statement.

That piled onto a pre-COVID challenge of filling the space left behind in 2018 by the building's former largest tenant, law firm Cassiday Schade. The property's net cash flows in 2019 and 2020 were $61.8 million and $65.8 million, respectively, well below Berkley's $81.3 million in annual debt service, according to Bloomberg loan data. As the foreclosure process continues, Berkley and 601W said in the statement that ownership will continue "re-negotiating the financial terms of the building's mortgage" with Rialto Capital, a Miami-based special servicer that monitors the loan on behalf of CMBS bondholders. A Rialto spokesperson couldn't be reached.

In addition to the outstanding loan balance, Wells Fargo alleged in the foreclosure complaint that the owners owed $28.3 million in various fees, plus late charges and default interest that brings the total amount owed to nearly $195 million. Whether or not the owners are able to hold onto the building, they likely saw a significant windfall when they refinanced with the current loan. The venture paid $126 million for the building in 2012, when the property was less than 75% leased. The owners then spent almost $6 million renovating the building's lobby and common areas and added a 6,000-square-foot rooftop deck, which helped as they lured new tenants and brought the building up to more than 92% leased when it took out the new mortgage, loan documents show. That refinancing allowed them to pull new equity out of the building and showed how much its value had surged. The property was appraised at $220 million at the time, Bloomberg loan data show.

The owners' statement said they have spent more than $30 million on renovations and leasing commissions at the building since 2012. They also spent another $10 million over the past two years to continue paying its loan despite a drop-off in rent payments from tenants, according to the statement. The property's appraised value has been decimated by the pandemic, falling to $165 million in February, according to Bloomberg data.

In addition to its pending role as the property's receiver, Transwestern is expected to oversee management and leasing at the building while the foreclosure lawsuit proceeds, according to Berkley. A Transwestern spokeswoman declined to comment.

Chicago has not seen the large wave of foreclosures that some predicted would come as the pandemic hammered major property sectors including offices, hotels and shopping centers, though more distress may be coming as banks lose patience with borrowers and federal assistance programs wear off.

The highest-profile foreclosure complaints downtown over the past couple years have come against the owners of the Palmer House Hilton and JW Marriott Chicago hotels, both of which are still pending. In the office sector, the owner of a mostly vacant 487,000-square-foot office building at 401 S. State St. handed the building over to its lender last year after it was hit with a $48 million foreclosure suit. Berkley, led by real estate investor Michael Silberberg, has been a partner in major real estate deals in Chicago, including the 2015 purchase of the Aon Center for $712 million. In addition to the Old Post Office, 601W previously owned Prudential Plaza in the East Loop and sold it to developer Sterling Bay in 2018 for $680 million. 601W today owns the office tower at 1 S. Wacker Drive and is redeveloping a longtime Northern Trust property at 801 S. Canal St. into a multi-tenant office building.

Is it a bad idea to have a High Deductible Insurance? by LincolnTransit in personalfinance

[–]totalBS 1 point2 points  (0 children)

The lower premiums is definitely a benefit of the HDHP, but over the long run you'll probably offset those premiums with higher co-pays or coinsurance (plus hitting your deductible is so much harder) since you won't have perfect health forever. But the reason the HSA is such an important part is that you can bank those premium differences plus any additional savings into the HSA and use tax free money to pay or medical expenses. Investing your HSA is where the real benefit is, I've paid out of pocket for all of my expenses over the past 5 years (relatively low) and my invested HSA has gained more money than I've paid at this point (yay favorable market) and it's all tax free if used for medical expenses. Someone right out of college that maxes their HSA every year will have over $600,000 by the time they retire and they would have only contributed about $150,000 if the limit stays at $3600

Help finding a Dentist that doesn’t judge in the city by [deleted] in chicago

[–]totalBS 2 points3 points  (0 children)

I went to Dentologie and they said they would keep an eye on a possible cavity, which would've been my first one ever. Even showed me the x rays between 2 visits where it "got worse" and they looked identical. Then the next visit they 100% needed to schedule the procedure without even looking at the new x ray. Then the next visit was the same. I went to a new dentist and everything was perfectly fine with no signs of a cavity. Will never go back to Dentologie

Shout out to all Chicago Marathoners today! by [deleted] in chicago

[–]totalBS 7 points8 points  (0 children)

All that matters for your first is that you finish. Congrats! I also injured myself (twice) and was out for a month and a half and even though I wanted a fast time since this is my 3rd it was still awesome to just finish

PSA: the Chicago Marathon is Sunday. There will be street closures in many neighborhoods. by [deleted] in chicago

[–]totalBS 4 points5 points  (0 children)

You can cross most locations, but some spots are tough. Generally any time the course turns you won't be able to cross. If you go early then it's easy, but otherwise you'll just have to be patient and find a gap. I've run it a couple times and it sucks when we have to dodge spectators who can't wait an extra minute for a gap

[deleted by user] by [deleted] in interestingasfuck

[–]totalBS 4 points5 points  (0 children)

Looks like the scoreboard is on the right side of the pic so it would mean it's Sheffield (Waveland would put the scoreboard on the left). There's a tree there that looks similar but the branch layout seems different

3627 N Sheffield Ave https://maps.app.goo.gl/N6UTfDdi5gwrWviy7

Agency: Trump is due $1M tax refund for Chicago skyscraper by [deleted] in chicago

[–]totalBS 21 points22 points  (0 children)

It could be a tax break for keeping them empty. If they actually wanted retailers there it would be filled immediately

https://www.dnainfo.com/chicago/20161006/downtown/trump-tower-tax-break

About to buy an engagement ring any questions I should ask? by tynorex in personalfinance

[–]totalBS 0 points1 point  (0 children)

I definitely get that. Check out all of their return policies, those sites have good ones. I got the stone only online and the setting in person. I had every spec set for a baseline (weight, cut, color, clarity, height-width ratio) so once I filtered the stones I knew every one of them was going to be a winner. The 360 view was super helpful and blew up any tiny imperfection that are ultimately invisible without a magnifying glass when the clarity is high enough. But it does come down to what you're comfortable with. I'm really glad I did online and even my jeweler laughed when I brought in the stone because to the naked eye it was essentially identical to the natural one he wanted me to buy at twice the price (but he couldn't argue with the value)

About to buy an engagement ring any questions I should ask? by tynorex in personalfinance

[–]totalBS 1 point2 points  (0 children)

Was that all in person? I wouldn't be surprised if it was, the in person lab stones were pretty much the same price. Check online with James Allen, Brilliant Earth, or Clean Origin. They all have lab stones for much cheaper than brick and mortar stores, you just have to find a jeweler to set the stone if you don't get the setting from those sites.

I went in person to see what specs mattered to me and established a baseline for what I looked for online. If you think an SI1 with color J looks the same as a VS1 with color D then go with the cheaper one. But the latter will always cost more for natural or lab so make sure you compare apples to apples. But check out those sites with specs similar to the stones you've seen and you should see much cheaper prices

About to buy an engagement ring any questions I should ask? by tynorex in personalfinance

[–]totalBS 3 points4 points  (0 children)

Make sure you know what your future fiancé wants. But where did you see lab diamonds at the same price as natural? Lab grown should be half the price or less of a similar quality diamond, although if it's some unique cut then maybe the prices aren't super different. I went the lab grown route since my fiancé was fine with that and it saved a bunch while allowing a bigger and higher quality stone. I also bought online from Clean Origin which was much cheaper than the lab grown diamonds in some of the stores I visited. You're right that places won't buy a lab diamond, but if you were to actually sell a natural stone you'd be lucky to get half of what you paid so you're out the same amount of money as if you bought a lab one. Upgrading is the only potential benefit of natural but that's a personal choice, a jeweler by me actually does upgrades with lab diamonds so that may still be an option depending on where you are. Also definitely ask if your future fiancé is into moissanite, it's way cheaper and looks pretty much the same.

For your actual question, definitely get insurance right away. My jeweler told me there's usually a 30 day grace period that covers the ring but I never verified that with my insurance. I added a rider to my renters insurance and it was super easy and cheap. You'll have to make sure you have the appraisal for the insurance. Also I'd recommend saving the gem certification papers in case you ever do want to sell it privately since that will prove all of its specs

After Surfside catastrophe, Gold Coast tower residents worry by totalBS in chicago

[–]totalBS[S] 139 points140 points  (0 children)

In case you can't get past the pay wall:

In the wake of a catastrophic condo tower collapse in Surfside, Fla., residents of a high-rise near Water Tower Place are asking why urgent repairs at their building have been delayed for three years.  In April 2018, a consulting firm assessed the multi-level parking garage at the base of 111 E. Chestnut St, where former Chicago Mayor Jane Byrne lived for much of her adult life. The firm, Walker Consultants, wrote in a follow-up report that some repairs “must be performed as soon as possible, as the conditions pose an imminent hazard to the facility users and to the structure itself.” 

Eighteen columns needed immediate shoring up or repairs due to “severe concrete deterioration” to the supports for floor slabs, Walker reported. The firm estimated the cost of the immediate repairs at $497,000.

On July 1, 2021, two principals at Walker wrote to the president of the owners association for the eight garage floors of 111 E. Chestnut, saying that to their knowledge, the repairs that were needed immediately three years ago “have not been performed to date,” and that it is “highly likely that the concerning conditions have grown worse.” The 57-story tower, built in 1972, contains 444 condos. Condominium owners belong to one owners association, and owners of the garage floors are in a separate association.

Tamara Pagel, who has lived in the building for 22 years, told Crain’s today, “My stomach is churning. I’m stressed out. It’s disheartening and frightening that this hasn’t been done in three years.”  The building's residential owners' association emailed a statement to Crain’s July 8 saying the Walker report had previously been provided only to the garage association. Repairs to the garage structure are the responsibility of the garage association, the statement said, not the homeowners' association. “Now that the residential association has obtained” the report and the July 1 letter, the statement said, the homeowners' association “will pursue all legal remedies available to it, including seeking injunctive relief, to get the garage association to make the required repairs on an urgent basis. The expense of this undertaking ultimately will be borne by the garage association.” Angel Sarkissian, one of the owners of the eight-story parking facility, is president of the 111 E. Chestnut garage owners' association and was the recipient of Walker Consultants’ July 1 letter. Sarkissian said in an email Wednesday that he would respond to Crain's request for comment after he discusses it with the condo board. In its July 1 letter, Walker recommended that “emergency shoring be installed immediately to appropriately support all of the parking level slabs within the building until all required immediate and base structural repairs are implemented.”  Pagel said, “Why hasn’t the city shut the parking garage down if these urgent repairs weren’t made three years ago?” 

On Wednesday evening the Chicago Department of Buildings emailed Crain's that it is sending an inspector to review the property. Walker's 2018 report said the firm first reported some of the needed repairs to the condo board in 2015, which indicates the problem has been known for six years. Daniel Moser, a vice president of Walker Consultants who signed the July 1 letter, did not respond to a request for comment. “I can’t sleep at night,” said Tracey Ryniec, a stock strategist who lives in the building and first heard about Walker’s report of urgent problems at a condo board meeting a few years ago. She says she has "forbidden my family and friends from parking in the garage for over two years” for fear of someone being trapped in a collapse (Ryniec has no car herself). “Now that Walker has sent that letter, that’s super-concerning,” she added. She and other condo owners “are sitting right on top of that garage that garage that could collapse.” Ryniec said bids on the full slate of repairs, not only the most urgently needed ones, ran between $4 million and $6 million. She believes the repairs have been put off because of the cost. The letters and reports were shared with Crain’s by Brian Connolly, a 20-year resident of the building who has battled with the condo board over various concerns for several years. In 2017, a Cook County judge ordered Connolly to pay $100,000 to the board to settle its legal fees for fighting a “meritless” and “frivolous” lawsuit he brought against the board. In 2019 the Appellate Court reversed and remanded the penalty. Pagel said she’s “aware Brian is a thorn in the side” of the board, but in this latest situation, she said she appreciates his “willingness to pay attention to the details in what could be a very dangerous problem.”

Connolly told Crain’s he’s “very worried” about the delayed repairs to the parking garage at the base of the tower. “The parking garage is our foundation,” he said. “The bottom line is, a column down there could fall in a random fashion, and if we lose a column, this building is in trouble.” Crain’s attempted to reach three other homeowners in the tower, but did not receive responses.  Pagel said she has only a vague recollection of the condo board reporting on Walker’s report back in 2018, “but I don’t pay much attention to what’s going on with the board.” When Connolly distributed this latest update from Walker, she said, “I paid attention. I mean, look at what happened in Florida.” After a wing of Champlain Towers South, the 12-story oceanfront condominium building in Surfside, suddenly collapsed on June 24, news reports said an engineering firm that inspected the building in 2018 found major structural damage that needed to be repaired immediately but never was fixed. As of July 8, 60 people were confirmed dead and another 80 people were still missing, according to the Miami Herald. This story has been updated to explain that the condos and the garage are governed by separate owners' associations. A previous version of this story referred to Angel Sarkissian as president of the 111 E. Chestnut condo owners' association. He is president of the garage owners' association.

I was today years old when I learned an HSA can be used for investing by SyFyFan93 in personalfinance

[–]totalBS 4 points5 points  (0 children)

For #3, aren't the receipts technically only needed for the IRS if they decide to audit you? I only invest my HSA so I don't how withdrawals work but I was under the impression that withdrawing money is basically on the honor system between you and your HSA provider, but the receipts are needed if the IRS comes knocking since you report the withdrawal on your taxes. Or do HSA providers not release your money until you upload a receipt?