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Re: Tenant request lease agreement is named in LLC?

You also need some assurance that the LLC even exists. Anyone can make up a name and put "LLC" behind it, but is it really a registered LLC and if so in what state? With that information you should be able to visit the Secretary of State's Office for the registering state and verify along ...
by N1CKV
Mon Jul 21, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tenant request lease agreement is named in LLC?
Replies: 16
Views: 1728

Re: Wife has no retirement options- is breadwinner

Do as Meg77 said, there is no reason why you shouldn't be able to afford to maximize your contribution to your 401K with the combined income and her having no retirement of her own. Pile up assets in non-retirement, tax efficient investments when everything else available is used. In the event that ...
by N1CKV
Thu Jul 17, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3174

Re: opening IRA, have exitsing roth

Hello, [snip] 1- I like to be able to trade stocks freely, with my money in 401Ks. so i will roll them over to traditional IRAs, by opening and IRA in each bank. So I will end up with two IRA, and one existing ROTH IRA. is this ok? My existing roth doesnt prevent me from having or opening new IRA o...
by N1CKV
Thu Jul 03, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: opening IRA, have exitsing roth
Replies: 9
Views: 603

Re: Get 6.8% return on HSA savings?

I think Ally's checking account is one of the bigger examples. If your balance is less than $15K, they pay .1% interest; above that they pay .60%. ...which is still not a great deal. You could use the online savings and get 0.87% on all of it, keep the minimum in the checking account and sign up fo...
by N1CKV
Thu Jun 19, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Get 6.8% return on HSA savings?
Replies: 13
Views: 1470

Re: Get 6.8% return on HSA savings?

Mine is tiered as follows (reminds me of Federal income brackets) : Balance Rate APY Low APY High $0 to $499.99 0.05% 0.05% $500 to $999.99 0.10% 0.05% 0.08% $1,000 to $2,999.99 0.20% 0.08% 0.16% $3,000 to $4,999.99 0.40% 0.16% 0.26% $5,000 to $9,999.99 0.50% 0.26% 0.38% $10,000 to $14,999.99 0.70% ...
by N1CKV
Wed Jun 18, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Get 6.8% return on HSA savings?
Replies: 13
Views: 1470

Re: Help me pick International Equity Fund

13thstreet wrote:Thanks guys. Anybody a fan of the dodge and cox fund to split with vanguard total? Seems this fund gets some respect around here despite the higher er

If someone offers to sell you something for $1, do you offer them $6.40?
by N1CKV
Wed Jun 11, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me pick International Equity Fund
Replies: 10
Views: 867

Re: Fair market value of a non profit dinner

I think the best answer to them would be that the FMV was $51, although the non-profit expended much less due to donated venue, volunteer labor, etc. Therefore they have a negative $1 in their charitable giving column :wink:
by N1CKV
Thu Jun 05, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Fair market value of a non profit dinner
Replies: 12
Views: 842

Re: Buying a home and cold feet!!

I'm curious.... why would you even entertain a counteroffer not in your favor after the house is already under contract /accepted offer)? I think my response would be from the attorney letting them know that they will be sued for breach of contract if they back out.
by N1CKV
Wed Jun 04, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home and cold feet!!
Replies: 35
Views: 2190

Re: Getting married this summer - when to contribute to Roth

The only thing that really matters is filing status as of the last day of the year.
If she makes $0 this year and you make too much for married filing jointly to contribute directly to a Roth IRA then neither of you can contribute directly.
by N1CKV
Tue Jun 03, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting married this summer - when to contribute to Roth IRA
Replies: 6
Views: 651

Re: Where to buy polo shirts?

Marshal's, Stein-Mart, Barrington Coat Factory or Stage.

In this category you usually do get what you pay for, or at least shopping for the premium brands is worth it.... I said usually, I have found some nice shirts at Walmart made with performance fabrics, however their cotton is garbage.
by N1CKV
Tue Jun 03, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 9375

Re: car rebate - based on who's zip code?

I just did a quick search on their website. The rebates in my region are being offered by Toyota Motor Sales and Gulf South Distributors (it's in the fine print). The phone number for Toyota Motor Sales that I was able to find was (310) 468-4000 (I have not verified it). You could call them and ask,...
by N1CKV
Thu May 22, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: car rebate - based on who's zip code?
Replies: 6
Views: 583

Re: Future contributions to VG Roth or 457 Roth?

Considering you are using a 457b account which typically sees no match but does commonly have high fees I would stop contributions to the 457b until your IRA is maxed out. That's what I do... my primary retirement is a defined benefit pension. I max out a rIRA and any excess I want to save goes to a...
by N1CKV
Wed May 21, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Future contributions to VG Roth or 457 Roth?
Replies: 6
Views: 274

Re: Convince me to choose a Suburban over a Sequoia

I have experience seeing a friend in his Sequoia on vacation and I have experience with full sized GM vehicles (I have a truck, same drivertrains). The Sequoia is a bit smaller from what I can tell. Overall it has not major flaws, besides the stupid bumper proximity sensors that we could never figur...
by N1CKV
Mon May 19, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4029

Re: How to sell lightly used phone

I used Gazelle for my old iPhone and was very satisfied with the procedure and ease of disposing of the phone for what I probably would have gotten on eBay and had a bunch more trouble to complete the transaction.
by N1CKV
Wed May 07, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: How to sell lightly used phone
Replies: 15
Views: 847

Re: What now, that the city placed an erroneous lien on acco

Contact your elected officials. If you want to light a fire under the City Attorney put in a call to your Mayor and your elected representative (City Council Member, Police Juror, or whatever you have in your locality). Be very clear about what the problem is and how you expect the outcome to be.
by N1CKV
Wed May 07, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: What now, that the city placed an erroneous lien on account?
Replies: 6
Views: 1019

Re: Paying Taxes Owed Using Credit Card

on edit: Looks like you already figured this one out :wink: You could apply for a new credit card with a sign up bonus + points. Some cards have at least a $200 bonus, some have $500 in rewards like the Chase Sapphire Preferred: EARN 40,000 BONUS POINTS AFTER YOU SPEND $3,000 IN THE FIRST 3 MONTHS ...
by N1CKV
Tue Mar 18, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying Taxes Owed Using Credit Card
Replies: 10
Views: 1244

Re: SS Disability Benefits - Recommend a Book?

I would recommend Mike Piper's book, "Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less": http://www.amazon.com/Social-Security-Made-Simple-Retirement-ebook/dp/B009K7ZNDS/ref=sr_1_1?s=digital-text&ie=UTF8&qid...
by N1CKV
Tue Mar 18, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Disability Benefits - Recommend a Book?
Replies: 4
Views: 302

Re: The Gecko cost me a lot of $. How often to switch car in

There's more to comparing insurance than seeing who gives the lowest quote. Don't you consider how easy the claims process is (or isn't)? If they try to get out of paying everything, but they save you lots of money, is that the kind of insurance you want? We stay with the large companies who have a...
by N1CKV
Thu Mar 06, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7915

Re: HSA Investment Problem

You have the answer staring you in the face.

as of 12/31/13 you own 9.74 shares, worth 54.12 each, which is $527.29

Add up your contributions and dividends, the total is only $502.35. You have a gain of $24.94
All you have to do is "foot" the numbers.
by N1CKV
Thu Mar 06, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Problem
Replies: 11
Views: 1033

Re: Nationwide Expense Question

That's what I was thinking. Just about every one of the "decent" (and that's not saying much) ER index funds available are included in one of the 3 categories. For those looking, this is a standard document from Nationwide Retirement Solutions from their 457(b) government plans. This parti...
by N1CKV
Tue Feb 25, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Nationwide Expense Question
Replies: 2
Views: 325

Re: First time filing my own taxes. plan is taxact

Note that the different versions are only referring to the Federal Return. I think you will be able to do everything for your federal return through the free version (I could be wrong, I have most of that on mine and I used the free version). Every state (that has a income tax at least) will cost an...
by N1CKV
Thu Feb 20, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time filing my own taxes. plan is taxact
Replies: 2
Views: 238

Re: What to do with small prepaid credit cards

I usually use them against my AT&T mobile phone bill, make a partial payment and be done with it.
by N1CKV
Thu Feb 20, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with small prepaid credit cards
Replies: 47
Views: 2211

Nationwide Expense Question

I have access to a 457(b) plan at my employer (.gov). The plan is administered by "Nationwide Retirement Solutions" I was trying to see just how much do we actually pay. I see the ERs listed in the chart of funds available (those match what Morningstar reports). There is mention of an annu...
by N1CKV
Wed Feb 19, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nationwide Expense Question
Replies: 2
Views: 325

Re: Rollover of traditional IRA into 403B

I wouldn't be talking to the current holder of the IRA (source), I would talk to the 403b holder (destination) - they are the one that will benefit and will be motivated to get this done for you. They should be able to get the forms and pull the funds over, assuming everything is permissible.
by N1CKV
Wed Feb 19, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover of traditional IRA into 403B
Replies: 12
Views: 358

Re: What auto loan do you have?

My fiancee purchased a used car from a dealer. They offered financing through Chase for a certain rate. She happens to bank with Chase. I looked online and saw a much lower advertised rate from Chase. She applied online for the loan directly from Chase and was offered 2% less than what the dealer ha...
by N1CKV
Sat Feb 15, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What auto loan do you have?
Replies: 14
Views: 1234

Re: Decisions before 35

You don't mention the following, so I'll just throw this out there to think about: *You probably should consider term for yourself and your wife (you don't mention insurance for her), think about the costs of raising a child alone if something were to happen to your wife. *Disability insurance. If y...
by N1CKV
Fri Feb 14, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Decisions before 35
Replies: 10
Views: 2378

Re: What to do with a Whole Life Policy

I can't help with the Whole Life Policy analysis, but I do have some thoughts about the rest of your situation: Looking at your contributions to investments and the cost of this policy, it seems like you are a high earner. With your home paid for, and that much going in to retirement and other inves...
by N1CKV
Tue Feb 11, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do with a Whole Life Policy
Replies: 4
Views: 386

Re: I received my federal tax refund this morning

Federal was filed and accepted February 2nd, deposit cleared this morning.
by N1CKV
Mon Feb 10, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: I received my federal tax refund this morning
Replies: 13
Views: 2490

Re: Outlook dot com and aliases

I have a second Gmail address that I use for all online signups. I have had it set up at one time to forward all content to my other address as well, that has worked well when I'm to lazy to check them both for something I know is coming. This is how I handle it. I have several different Gmail acco...
by N1CKV
Thu Feb 06, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Outlook dot com and aliases
Replies: 13
Views: 664

Re: Floor jacks

I have a cheap HF orange painted jack. It lifts my full size truck just fine. I use jack stands if the wheels are coming off, but that's a good practice anyway. I've worked in an automotive shop in the past as a service manager, I can say the HF jack's valve isn't nearly as smooth and predictable as...
by N1CKV
Wed Feb 05, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Floor jacks
Replies: 17
Views: 1881

Re: Ally vs Amex Savings Account

TR2047 wrote:Can anyone with a savings account at Amex or Ally confirm if they do a hard credit pull for account opening?

Ally did not hard pull on me in December 2012 when I opened a checking and savings account.
by N1CKV
Wed Feb 05, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally vs Amex Savings Account
Replies: 10
Views: 1832

Re: overcontributed to HSA

I would remove the excess as soon as possible to avoid interest earned on the $200.00. Any amount on interest earned on the whopping $200 would be under $0.50 because interest rates are near 0%, therefore it wouldn't show up after rounding, so I would just zero that amount.
by N1CKV
Wed Feb 05, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: overcontributed to HSA
Replies: 27
Views: 2038

Re: Naming an LLC to cover multiple startup ventures

just a few more that I've seen:
X Companies, LLC
X Properties, LLC
X Holdings, LLC
by N1CKV
Wed Feb 05, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Naming an LLC to cover multiple startup ventures
Replies: 8
Views: 905

Re: WSJ article: Ready or Not, Your Kids Own the Money

I too, could write a check at 18. I was fairly good with my money at that age too, but I don't know that being $100,000 in cash at that age would have been such a good thing either.
by N1CKV
Wed Feb 05, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article: Ready or Not, Your Kids Own the Money
Replies: 25
Views: 4149

Re: 1099-MISC box 6

Here's the instructions from http://www.irs.gov/pub/irs-pdf/i1099msc.pdf Box 6. Medical and Health Care Payments Enter payments of $600 or more made in the course of your trade or business to each physician or other supplier or provider of medical or health care services. Include payments made by me...
by N1CKV
Wed Feb 05, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC box 6
Replies: 4
Views: 289

Re: WSJ article: Ready or Not, Your Kids Own the Money

sscritic,
when you taught your children/ grandchildren how to ride a bicycle, did you use training wheels or did you put them on a full sized bike and shove them off at 15 mph with no training wheels?
by N1CKV
Wed Feb 05, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article: Ready or Not, Your Kids Own the Money
Replies: 25
Views: 4149

Re: Keurig vs normal coffeemaker?

I have a Keurig at the house. It was the GF's idea. She likes all these fancy type "coffees" I like one kind of coffee. Community Coffee brand, Dark Roast. I could never get more than a mediocre cup as I tried several different types. Finally Community started making K-cups. I finally have...
by N1CKV
Tue Feb 04, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 7747

Re: CapOne Quicksilver Upgrade - Be Careful

I upgraded my Cap One Platinum (VISA Sig) and received the Cap One Quicksilver VISA Sig. The one thing I did notice.... I didn't get the $100 sign up bonus. I called customer service and inquired, even after talking to a supervisor they would not concede and insisted it was only for "new cardho...
by N1CKV
Mon Feb 03, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: CapOne Quicksilver Upgrade - Be Careful
Replies: 10
Views: 2117

Re: Windfall advice, please

you start off with stating that you opened and fully funded your IRA for this year, and intend to do so for future years - do you realize that you can still contribute to your 2013 IRA? Might get as much of that money out of taxable as you can. Also, if your employer has no retirement plans availabl...
by N1CKV
Thu Jan 09, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall advice, please
Replies: 18
Views: 1723

Re: How many folks have a dog?

I'm not the biggest fan of dogs or "dog people" as I call them. If you own a dog you can't go anywhere or do anything without considering how long the dog can be left alone. Dog people are often difficult to make plans with, they can't stay out for more than X hours because someone needs ...
by N1CKV
Thu Dec 26, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7181

Re: Don't have orgininal will to close Roth IRA

considering the attorney can't find his copy, I would think the attorney would have better ideas for solutions... then again, if he can't keep track of an important piece of paper his advise might not be worth much.
by N1CKV
Mon Dec 23, 2013 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't have original will to close Roth IRA
Replies: 16
Views: 1423

Re: Bluetooth No-Brainer?

this item looks like it will do everything you want, without cords. She will just have to remember to charge it as needed: The brand is well recognized in the industry, this particular unit has an auto on and off from a vibration sensor to detect when she enters the car. http://www.parrot.com/usa/pr...
by N1CKV
Wed Dec 18, 2013 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bluetooth No-Brainer?
Replies: 4
Views: 380

Re: Draft from fireplace

the product that you should be using around the gas line and on any cracks that need sealing can be located with all of the caulks in your hardware store. There is a product that is designed to take the high temps that is dispensable using a caulk gun.
by N1CKV
Tue Nov 26, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Draft from fireplace
Replies: 12
Views: 1060

Re: Home buyer be warned

If you think that's messed up, check out Louisiana Mineral Rights..... they aren't severable, but that doesn't necessarily mean that you get them either.
by N1CKV
Wed Oct 09, 2013 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home buyer be warned
Replies: 9
Views: 1866

Re: dog chews

my dog is a strong chewer best I can tell for his size. It's tough to find something that he won't tear up. One thing that he loves and lasts a while is this bone from Walmart: http://www.walmart.com/ip/Hartz-Country-Bacon-Flavored-Large-Chew-n-clean-Dog-Bone-1-ct/10312002?action=product_interest&am...
by N1CKV
Fri Oct 04, 2013 2:18 pm
 
Forum: Personal Consumer Issues
Topic: dog chews
Replies: 15
Views: 800

Re: LASIK

No personal experience, but a friend of mine just recently did his (couple weeks ago). He had surgery Friday morning and went out to dinner with us Saturday night. Besides a few burst blood vessels on the eye it looked fine. He had a bunch of drops to put in his eyes for a few days, otherwise he see...
by N1CKV
Thu Aug 29, 2013 2:04 pm
 
Forum: Personal Consumer Issues
Topic: LASIK
Replies: 14
Views: 946

Re: Door to door annoyances--easy way to stop?

How to install a peephole in your door: http://www.youtube.com/watch?v=VaUngCWcogI Bummer--my door has stained glass at the top. Vaguely like this, but only one door. We get a lot of compliments on it. Maybe I could install one lower, that angles up? heh http://3.bp.blogspot.com/-sMjCvY6cYSo/TY91Pu...
by N1CKV
Wed Aug 21, 2013 9:32 am
 
Forum: Personal Consumer Issues
Topic: Door to door annoyances--easy way to stop?
Replies: 60
Views: 4174

Re: [Left in bad situation] by Comcast

You might also consider talking to your attorney about threatening the other guy - the guy who keeps porting your number - with a lawsuit for tortious interference with your business relationships. One threatening letter to that guy from your attorney ought to resolve the problem. That way you won'...
by N1CKV
Tue Aug 20, 2013 2:00 pm
 
Forum: Personal Consumer Issues
Topic: [Left in bad situation] by Comcast
Replies: 19
Views: 2602

Re: Ever Filed Civil Suit against Neighbor?

Talk to your elected official / representative from the township. They or their staff can take it from a different standpoint and talk to the guy about it and if satisfactory results aren't achieved they can push the enforcement issue. If it's dicey to enforce they may even introduce a new ordinance...
by N1CKV
Wed Aug 14, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Ever Filed Civil Suit against Neighbor?
Replies: 82
Views: 4590

Re: When to replace timing belt on 1998 Honda Accord

The simple solution would be to raise the hood, locate the timing belt inspection cover and look at the thing. If you see signs of excessive wear or cracking then go ahead and to it, if not close it back up and check it in 6 months or so.
by N1CKV
Wed Aug 14, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: When to replace timing belt on 1998 Honda Accord
Replies: 19
Views: 2704
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