Search found 332 matches

by N1CKV
Fri Jul 31, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 17
Views: 679

Re: Food safety - broken refrigerator

I would not worry about the condiments. Growing up (and I'm not that old) we never put mustard or ketchup in the fridge, always the pantry. I only considered mayonnaise bad if it turns clear. Any opened salad dressing that contains dairy should be suspect. Everything else should be fine. I have to a...
by N1CKV
Fri Jul 31, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Owned a bank owned property & previous owned item
Replies: 10
Views: 705

Re: Owned a bank owned property & previous owned item

As for the mirrors, you don't know if it was a previous owner or a flipper that removed them. Around here a house doesn't come with a washer, dryer or refrigerator. Past all of that: Maybe they just forgot to grab it in the haste of moving? Maybe it was something that meant something to them. I woul...
by N1CKV
Wed Jul 29, 2015 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Starting a retirment account. High expense 457 vs. Roth IRA
Replies: 13
Views: 987

Re: Starting a retirment account. High expense 457 vs. Roth IRA

Thanks for the correction and advice. Basically my equivelent of a matched 401k is the pension plan I'm on. 10% of each check goes to the pension plan and work "matches" an additional 27%. There is no option for investing more or less it just set up to be like that. My plan will be to ful...
by N1CKV
Thu Jul 23, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2065

Re: Is there a service that will email you with each credit card purchase?

Capital One sends a popup on my smartphone for every transaction using the Capital One Wallet app.
I always know when my wife stops to buy something. If she goes to pick up pizza, I know exactly when she's checking out to be ready with plates when she gets home :D
by N1CKV
Thu Jul 16, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: I have a dilemma? Should I provide a concession?
Replies: 20
Views: 2798

Re: I have a dilemma? Should I provide a concession?

If you sue, you may win, but you are unlikely to recover lawyers fees. Couldn't the OP file in small claims court? That was my thought when I originally proposed the OP sue the HOA. Either way if the OP is unable to negotiate an acceptable (to the purchaser) deal and if they miss out on the sale th...
by N1CKV
Thu Jul 16, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Gift Card Exchange Web Sites
Replies: 15
Views: 1210

Re: Gift Card Exchange Web Sites

I have used CardPool. I was making a purchase at Bass Pro Shop online. I picked out my items, totaling just over $50 after tax. I went in another tab of my browser, purchased the electronic gift card for $50, the information showed up in my email a few minutes later. I input the info to the checkout...
by N1CKV
Thu Jul 16, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Where to get medallion signature guarantee
Replies: 56
Views: 9273

Re: Where to get medallion signature guarantee

I just got married a about 2 months ago. My wife downloaded and completed the application from Vanguard to change her name. Of course it requires the MSG. She proceeded to Chase, where she banks and has credit cards through. The manager was helpful, but unsure if she could sign on this particular tr...
by N1CKV
Thu Jul 16, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: I have a dilemma? Should I provide a concession?
Replies: 20
Views: 2798

Re: I have a dilemma? Should I provide a concession?

Do you not have homeowners insurance that would cover this? I am an officer in a condo association, and it is amazing how much the laws are on the side of condo associations compared to owners when it comes to property damage. If you sue, you may win, but you are unlikely to recover lawyers fees. R...
by N1CKV
Wed Jul 15, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: I have a dilemma? Should I provide a concession?
Replies: 20
Views: 2798

Re: I have a dilemma? Should I provide a concession?

Fix it and sue the HOA/ HOA's insurance for their liability. Actually, don't file the lawsuit, but prepare the suit to be filed and let the HOA know that if you are not reimbursed for damages within 30 days that it will be filed. You don't have to be mean about it, this is just normal course of busi...
by N1CKV
Wed Jul 15, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6816

Re: I tipped 15% and got a dirty look

He handled the tip: the tip was one thin flat dime left on top of the check which we paid in cash for. I will admit, I was embarrassed and tried to give 10%, but my colleague was adamant that the only way to send a real message was to give a "token" amount. Mind you, this was in NYC where...
by N1CKV
Tue Jul 14, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3323

Re: Beach getaway recommendations please

I would take a look at Punta Cana. They now have direct flights via Southwest, and the flight is short enough to go for 4 nights, IMO. We went this past Jan, beaches were a big step up over Mexico, and water was very clear. If you have a weak stomach you have to be careful, I got very ill halfway t...
by N1CKV
Tue Jul 14, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4094

Re: Cost of Routine Dental Cleanings

150. no xrays. i also decline the flouride rinse because i don't believe it is worth the $6 which is not covered by insurance. consider doing it at home if you believe in the benefits of flouride rather than 2x a year at the dentist. Check your toothpaste. It probably has fluoride in it anyway. If ...
by N1CKV
Tue Jul 14, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Is vinyl used in some leather car seats?
Replies: 21
Views: 1471

Re: Is vinyl used in some leather car seats?

I drive a GM truck with "leather interior". The front seating surface is leather, the edges are vinyl. The entire backseat is vinyl. You can definitely feel a difference in texture and softness. I have a friend that installed after market leather in his truck (actual leather), the quality/...
by N1CKV
Thu Jul 09, 2015 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4544

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

I'm not sure how you can't plan to take out at least a week's cash at time and have a need to go every single week to the ATM. I bank with Ally. I have not been to an ATM in months. It's nice to be able to go to the most convenient ATM rather than seek out a certain institution, but it's not like ha...
by N1CKV
Wed Jul 08, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Credit card automatically saves a receipt online
Replies: 16
Views: 1268

Re: Credit card automatically saves a receipt online

Just get another credit card that you are both on, and use that card for anything on which you are going to split expenses. Then you pay that credit card out of the joint account, or split the cost of the bill or something similar. This is exactly what my wife and I do. I have a credit card that sh...
by N1CKV
Tue Jul 07, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

I would go with a hybrid.... Start with choice #3. Stick with it to see how things go for at least 6 months to a year, it doesn't sound like it's going to hurt anything. If it then makes sense to go with choice #1 then go for it. At that point it will take even less of your lump sum to get out of th...
by N1CKV
Thu Jul 02, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 20
Views: 2927

Re: Help review a monthly budget

My real challenge is tracking the spending. I simply feel overwhelmed by the process. Is there someone I can hire to help me with this? How much should I expect to pay? Have you tried Mint.com ? If you haven't then you really should. It's free and it does 95% of the work automatically once it's set...
by N1CKV
Mon Jun 22, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: PMI on FHA loan
Replies: 16
Views: 1154

Re: PMI on FHA loan

Dave Ramsey continues to shine like a star.... I am wondering if the caller stated the purchase date? Note that: Is this a new FHA loan or existing. For loans with FHA case number assigned on or after 06/03/13, FHA will collect Annual MIP for the maximum duration permitted as described in ML 13-04:...
by N1CKV
Mon Jun 22, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 1567

Re: Anyone Install a new shower lately?

Just FWIW, the best luck I've had is with Delta Faucet. One of the best faucets out there when it comes to quality and consistency for repair parts (and their ease to repair and availability of parts). We like our Moen. as far as Moen, it's the exact opposite of Delta. Good luck when you need repai...
by N1CKV
Fri Jun 19, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 3634

Re: Plumber question

What's the difference between CPVC vs. PVC and how I can tell? I am so glad to have found this forum and you guys! After reading some of the replies, I realized now that our current plumbers didn't have our best interest in mind when they recommended us to replace one of the 2 water heaters couple ...
by N1CKV
Wed Jun 17, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital gains tax on sale of real estate owned less than 2 years
Replies: 8
Views: 1226

Re: Capital gains tax on sale of real estate owned less than 2 years

also, the tax is not on the proceeds - the tax is figured on only the gains.

How much do you stand to gain?
Sale Price - Your Purchase Cost - Realtor Fees - Improvements (generally)
by N1CKV
Tue Jun 16, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: A "taxing gifting" issue
Replies: 9
Views: 1242

Re: A "taxing gifting" issue

I think the OP is referring to Capital Gains taxes, not gift taxes.

Can't you gift the appreciated shares instead of selling and gifting cash?

on edit:
why exactly does the facility have a concern with his net worth when he has plenty of current and predictable income?
by N1CKV
Tue Jun 16, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8522

Re: Wedding Receiption

I guess I'm tacky. :| I just got married under a month ago and we provided a full spread of great foods (non-sit down dinner) and we provided non-alcoholic drinks, beer (keg) and wine with the option for guests to purchase other drinks from the cash bar. This is actually the default arrangement in m...
by N1CKV
Mon Jun 15, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5675

Re: Where do you keep your to do list?

f you have a smartphone, you might want to seriously check out Google Keep - it syncs autoatically, does checklists,is superlightweight, and integrates with the notifications on phone or PC. Is content available offline? I also use Google Keep. It does work offline, although of course it can't sync...
by N1CKV
Mon Jun 15, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14391

Re: Gifting Money at Parties

I just got married less than a month ago. We are in our mid-lower 30s. Small wedding (~50 people). 1st marriage for both, living in the deep south wealth of friends and family ranges mostly in the middle class range (from the very bottom end of the spectrum to the very top.) We received gifts in a w...
by N1CKV
Mon Jun 15, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3908

Re: How/where to get rid of old gasoline

It will blend just fine in your car's tank, you'd be surprised how tolerant cars are with stale fuel. The fuel economy may not be all that great, but it will run just fine. OP mentions that it doesn't "smell like fresh gasoline" - make sure you are in fact dealing with gasoline. It's not u...
by N1CKV
Mon Jun 15, 2015 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Maxmyinterest.com Comment
Replies: 14
Views: 2382

Re: Maxmyinterest.com Comment

So someone who was previously not interested in interest earned on these funds is now interested in chasing the best rate and willing to pay a 0.08% for someone to do the chasing? and wants to complain about the company not accepting trusts? This is not actionable. No one on this forum has the autho...
by N1CKV
Mon Jun 15, 2015 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Is 2 years of HSA worth doing?
Replies: 10
Views: 1208

Re: Is 2 years of HSA worth doing?

Great questions. I will be on my own for health coverage post-retirement. There is no employer support after I retire. I will be playing the balancing game to see if I can keep my capital gains and investment earnings below ACA thresholds to qualify for lower premiums, but it will be close. I may n...
by N1CKV
Wed Jun 10, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Should we trade in the old truck or sell it privately?
Replies: 46
Views: 3705

Re: Should we trade in the old truck or sell it privately?

Also I would check into the V6 vs the V8, there may not be much if any MPG savings. The underpowered V6 engines in a truck make them work harder to get upto speed then a v8 thus eating away from any MPG savings you might think you are getting from the v6. The 3.5L V6 is a twin turbo "ecoboost&...
by N1CKV
Tue Jun 09, 2015 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Stingy Senior Citizens
Replies: 14
Views: 2156

Re: Stingy Senior Citizens

I was looking through my local tax data and noticed that senior citizens are exempt from paying the local tax that benefits the high school. Is this common, or are my local senior citizens extra stingy? stingy? shoooot..... I am only 36 with no kids and I would be willing to get a vasectomy if they...
by N1CKV
Mon Jun 08, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Buying Used Car on eBay
Replies: 27
Views: 2602

Re: Buying Used Car on eBay

Pepboys used to provide an inspection service for transactions like this. The seller would bring the vehicle to a local Pepboys location where their staff would do a full walk around, put it on the lift for mechanical inspection and then test drive. They would give a written detailed list of what th...
by N1CKV
Mon Jun 08, 2015 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Using fraud clause on credit card
Replies: 14
Views: 1646

Re: Using fraud clause on credit card

Regardless your first step should be to contact the merchant. The credit card company won't act until you have tried in good faith to settle your differences with the merchant. In all actuality it sounds like a warranty issue. The merchant warrantied the value at a certain amount, you now believe it...
by N1CKV
Mon Jun 08, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Designation of beneficiary for retirement plan
Replies: 5
Views: 814

Re: Designation of beneficiary for retirement plan

Talk to your retirement system people/ HR at work. If they are anything like mine they are very knowledgeable of what you can and can not do and various strategies that can be implemented.
by N1CKV
Sat Jun 06, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: HSA contribution strategy after SS wage base?
Replies: 5
Views: 660

Re: HSA contribution strategy after SS wage base?

Spirit Rider wrote:Even though it is minor, in this case she should make a $3350 contribution and you should make a $3300 contribution.

Why? Each has an individual plan, each can contribute $3,350.00
They are not subject to the "Family" limit because neither has a Family policy.
by N1CKV
Sat Jun 06, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12851

Re: Frugal Millionaires Article...Sounds Like Bogleheads

While I am quite far from a millionaire (on the lower end of the scale) I have the hardest time understanding those who try to tell me how I should be buying this or that or to stop being so tight because I must have money. All I can think of is, "the only reason I HAVE money is because I don't...
by N1CKV
Sat Jun 06, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 16
Views: 1769

Re: Unclaimed property

It is a great idea to check for unclaimed money, but I recommend going straight to the state's websites, and definitely never pay any online service to find or process these for you. Also, if you're bored, you can plug in names of friends or family. I doubt they'd mind if you let them know there is...
by N1CKV
Sat Jun 06, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?
Replies: 7
Views: 863

Re: Own Car but Rent: Can I have my own Auto & Non-Owned Policy?

If you are involved in an accident you insurance company will find out even if you don't make a claim, they know everything. Do you drive rental cars 1/6 of the time? I would spend the money on an accident forgiveness rider with the insurance company you have now. It only costs a few dollars more T...
by N1CKV
Sat Jun 06, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4574

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

I know nothing about Ob-Gyn, but my experiences as a patient for spinal issues with a HDHP: *Dr.'s office visit - They ask if I have met my deductible, I say no. They admit that they don't know what exactly I will owe, so they tell me they'll bill insurance and my share will be billed after they get...
by N1CKV
Thu Jun 04, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Account
Replies: 5
Views: 665

Re: HSA Account

I have employer sponsored health insurance that has an associated HSA (Bancorp "MySmartSaver").
If you have an employer plan they may have an associated HSA bank that they will payroll deduct contributions to which saves you the payroll taxes for social security and medicare.
by N1CKV
Wed Jun 03, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's my next step?
Replies: 14
Views: 1760

Re: What's my next step?

OP: You should run the numbers through Turbo tax both ways to know if you should file together or separate. I can almost guarantee you would be better off with traditional 401K contributions, especially with the potential for a drastic drop in income which would give opportunities for Roth conversio...
by N1CKV
Tue Jun 02, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Western Governor's University (WGU)
Replies: 15
Views: 1724

Re: Western Governor's University (WGU)

I don't see any claims of accreditation for any of their business programs. I graduated from an AACSB accredited program at a state regional college, not all schools with accreditation are terribly expensive. Attending a school with a program that has no accreditation (or respected accreditation) is...
by N1CKV
Tue Jun 02, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Contributing Repatriated earnings Question
Replies: 2
Views: 251

Re: Contributing Repatriated earnings Question

What is the money's purpose? What are you plans for it? Timeline for those plans?
by N1CKV
Wed May 20, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13323

Re: How much does social security factor into your retirement income?

Not relying on it at all. I only have 36 credits and I plan to retire from my current job on a government pension. I guess I could go back and earn enough for at least 4 more credits. I should have plenty of time to do that, so I just might. I would be working for the SS benefit more so than the &qu...
by N1CKV
Tue May 19, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Required to make ALL the repairs?
Replies: 1
Views: 484

Re: Required to make ALL the repairs?

No. Your insurance claim is compensation for loses you suffered.
You should however point out on any future claims that said damage was preexisting and that compensation was previously received.
by N1CKV
Mon May 18, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 2730

Re: Capital One 360 Checking

similar situation (will be married this Saturday). I have my main accounts at Ally. I had opened a CO360 checking and savings last year for a bonus ($100 on each). Decided to keep them and add her to the checking. We have an existing joint credit card that I pay from that account. We both have linke...
by N1CKV
Sat May 16, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Roof Replacement, upgrade or not?
Replies: 15
Views: 1330

Re: Roof Replacement, upgrade or not?

My roofer supplied me a list of homes nearby that they completed with bit style singles in my chosen color. I guess I will take a ride today and see if the difference seems worth it.
by N1CKV
Fri May 15, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 2938

Re: passport card faster than passport?

I applied for my first passport last year. I got the book and the card, they arrived within 2 days of each other.
by N1CKV
Fri May 15, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17615

Re: Aren't we overdoing electronic auto safety features?

Yes. My truck has "Stabilitrak" (electronic stability control). The system is quite annoying when I drive logging roads. My truck is 4X4, I know how to drive, I know how to react in a skid, my truck thinks it does too. When the truck reacts with strategic braking it actually has came very ...
by N1CKV
Fri May 15, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Roof Replacement, upgrade or not?
Replies: 15
Views: 1330

Roof Replacement, upgrade or not?

I just got approved by my insurance for a full roof replacement (hail damaged) for the cost of my deductible. My house currently has traditional 3 tab shingles. Should I pay any difference in cost to upgrade to architectural shingles? I'm not sure of what the cost would be, as I have not received a ...
by N1CKV
Thu May 14, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 5283

Re: Any experience with plasma donation to boost income?

I'm not bothering with a full critique, but here's a few key items I see with issues: *You pay more in rent for a one bedroom apartment than I do for a house note (insurance and tax included) with 3BR/2BA ~1,300 sqft. *You pay $100/month in electricity? I average $76 in an all electric 1,300 sqft. h...

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