Home > More To-Do Items (Aaaaack!!!)

More To-Do Items (Aaaaack!!!)

January 2nd, 2015 at 06:12 pm

I am sitting here at my computer because there is nothing I can do... Almost (luckily almost) nothing is open today, or else no one is answering the phone. I just talked to D and he's the only one in the office.

- We have a (BIG) leak in an irrigation box; I am pretty sure the loud bang we heard on new year's eve was the valve freezing off. We didn't know what it was, and it was outside and could have been coming from anywhere. I shut off the water to the house, but it doesn't seem to fix the leak, and the water is running down the driveway and freezing (which is how we realized what was going on). I called three plumbers, but only one answered (so glad they answered, AND had an appointment time for us, even though it's not until 3 pm)

- Tried to call the new accountant for one of my clients because I need to send them an invoice; they're not in today.

- Tried to call the insurance company that handles our umbrella policy because we haven't seen their invoice yet, and my records show that I'd already paid it last year at this time. They're not in either.

- Called Vanguard to exchange the mutual fund that my husband's IRA is in (this was transferred from another broker, and I've been bugging him for a year to move it since the fees are out of control!). I requested a call-back because the wait was so long, and finally got the call, but even though we're married and I know all of his passwords, etc. I can't make transactions for him.

- So I have to fill out an agent authorization for him to be able to act on my accounts, and he has to fill one out so I can act on his. I realized after filling it out that we'll need to take them to the bank for notarization.

- I tried to call Capital One 360 so I can find out if there is a minimum for my checking or if I can close that account and just use the savings, but the wait was more than 2 hours, and no call-back feature, so I just hung up.

I'm not complaining that places are closed - it IS still the holiday break. The problem is, I'm still on break, too, and on Monday I'll have to do actual paying work, so I was hoping that I could cross a few things off my list today.

5 Responses to “More To-Do Items (Aaaaack!!!)”

  1. creditcardfree Says:

    Yikes on the plumbing issue! I hope no major damage. You might look online about the authorizations for Vanguard. I think I did ours online, since I don't remember the notary thing at all. Although it could depend on the authorizations allowed.

  2. Buendia Says:

    Still waiting for them to arrive... I know there's a valve that froze off, but I don't know how much that costs. To make matters worse I took F to the dentist today and found that my last procedure (replace old filling) was not covered at all by dental insurance. So I had to pay in full for that. And had to pay in full for F's visit, too, and if her visit is covered, the insurance company will send a reimbursement check to me. I've never received a reimbursement check from an insurance company, so I'm feeling doubtful, but we'll see.

  3. FrugalTexan75 Says:

    There is no minimum for the Cap 360 checking account or savings accounts.

    The bus station here was open today! (How do I know? Only because I sold around 30 bus passes today and had a bazillion phone calls ...)

  4. snafu Says:

    Agent forms to act on behalf of spouse's accounts is nearly useless due to the privacy laws. In desperation we each paid for Power of Attorney and even that witnessed, notarized form plus a form from each and every financial institution gives us minuscule status. Experience has taught us it's faster and more efficient to make changes to our own accounts even if I have to write a script for DH to keep focussed and the issue solved.

    When desiring to change specific account holdings I find it's most efficient to go to the site, fill in the forms for the transactions needed like Sell 'X' unit of _____________, Buy 'X' $ of ______________. It takes 3 business days, within Board hours to complete.

  5. Buendia Says:

    Yep, I ended up having him change the account himself. Unfortunately he had to call... in this case, he couldn't do the trade online (long story, having to do with what he was selling).

    We are going to do the forms, though, because at least with Vanguard, they allow us to get into both accounts... I think we eventually have to put everything into the trust... which also seems complicated!

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