Search found 316 matches

by N1CKV
Thu Jul 02, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 16
Views: 1708

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: 1097

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: 1534

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: 3496

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: 1200

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: 1215

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 Receiption
Replies: 38
Views: 4235

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: 5072

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: 13693

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: 3719

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: 2318

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: 1189

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: 3479

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: 2123

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: 2505

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: 1582

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: 795

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: 649

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: 12293

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: 1709

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: 841

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: 4366

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: 645

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: 1719

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: 1685

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: 244

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: 12645

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: 478

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: 2623

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: 1280

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: 2735

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: 13866

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: 1280

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: 5152

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...
by N1CKV
Wed May 13, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains to pay off mortgage
Replies: 10
Views: 791

Re: capital gains to pay off mortgage

On another note, if your joint AGI is under 74,900 you should look to do some tax gain harvesting in the 0% LTCG rate. First, it's Taxable Income that matters, not AGI. Second, there's no point in it if your Taxable Income is going to remain at this level. my bad, I meant to say taxable income. On ...
by N1CKV
Wed May 13, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: capital gains to pay off mortgage
Replies: 10
Views: 791

Re: capital gains to pay off mortgage

On another note, if your joint AGI is under 74,900 you should look to do some tax gain harvesting in the 0% LTCG rate.
by N1CKV
Tue May 12, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 1510

Re: Mechanics fails to fix problem

OP: What is the problem that the mechanic is trying to fix? In your last post you start off in one direction and ended up on another planet. A steering wheel shudder could be a multitude of things. Most common would be a thrown wheel weight (tire out of balance) or if only when braking then the roto...
by N1CKV
Fri May 08, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: When to junk a car?
Replies: 27
Views: 2286

Re: When to junk a car?

I'm guessing over half of that is the struts (and alignment afterwards)? How does the car ride? if you push down firmly on each corner of the car does it bounce more than twice? If you have no ride complaints and it doesn't have excessive bounce you don't need struts - those are often recommended at...
by N1CKV
Thu May 07, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 36
Views: 2963

Re: What to do with 1940's refrigerator that still works?

There is absolutely a market for items like that, depending on condition it could be worth some real money. Makes a great addition to a man cave/ game room. Considering that it still works it could be used as is or it could be stripped/ gutted of the refrigeration components and updated/ retrofitted...
by N1CKV
Thu May 07, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: HSA Max Contribution Annoyance
Replies: 15
Views: 1506

Re: HSA Max Contribution Annoyance

I read the instructions. And worked through the form. Spouses who have separate HSAs and had family coverage under an HDHP at any time during 2014, use the following rules to figure the amount on line 6. That does not apply. Every reference I find points to the lower limit only being triggered if at...
by N1CKV
Thu May 07, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: HSA Max Contribution Annoyance
Replies: 15
Views: 1506

Re: HSA Max Contribution Annoyance

The total contribution of a family cannot be more than the family plan contribution limit even if you each have two individual plans. So even with two individual plans the combined limit is still $6650 and not $6700 ($3350 * 2). Can you quote a source on that? I've heard it before, but I'm not seei...
by N1CKV
Wed May 06, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1980

Re: escrow increase...

This is typical. If you keep the escrow you will see an adjustment annually. You should not see any significant changes unless your property tax or insurance jumps. Are you saying that State Farm initially didn't apply the discount to the premium and will now refund you the difference? How much of a...
by N1CKV
Tue May 05, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401(k) with former employer: annoying calls from Transamerica
Replies: 16
Views: 1351

Re: Wife's 401(k) with former employer: annoying calls from Transamerica

I'm just trying to figure out why in the world you would even want to leave it in the 401k plan? Even a "good deal" in a 401K is a bad deal compared to what is available in IRAs. It would rid you of this pesky salesman. You don't mention how your tax situation is currently, but you do ment...
by N1CKV
Wed Apr 29, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting While in 15% Bracket?
Replies: 21
Views: 1835

Re: Tax Gain Harvesting While in 15% Bracket?

I will be doing this in 2015 for the first time. It's a great opportunity and is a topic that is not discussed often.
by N1CKV
Wed Apr 29, 2015 8:08 am
Forum: Personal Finance (Not Investing)
Topic: DB and DC plan limits combined?
Replies: 16
Views: 1354

Re: DB and DC plan limits combined?

That's what I was thinking. The pension isn't a pension in the usual sense as stated in your previous quote: Plan means the Pension Plan of the Pension Fund of the Christian Church. Type of Plan. The Plan is a retirement income account program that provides defined benefits to its Members designed t...
by N1CKV
Tue Apr 28, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Increasing the size of a ring
Replies: 10
Views: 1257

Re: Increasing the size of a ring

Interesting thread. I inquired at our local jewelry store about this not long ago. I have 3 rings which I now must wear on my pinkies :( as they are too small for ring finger. However, the jeweler told me this can easily be done (gold is added) but they send it Out to be done. I did not like the so...
by N1CKV
Tue Apr 28, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Free Vacation but It Will Cost Me
Replies: 13
Views: 1940

Re: Free Vacation but It Will Cost Me

Have they picked a date? You may just have to graciously decline because your nephew/ niece/ life long neighbor's kid/ is getting married that weekend, or it's your anniversary, or..... (you get my drift)

on edit:
LOL that someone beat me to it!
by N1CKV
Mon Apr 27, 2015 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Best way to sell a used wedding ring?
Replies: 18
Views: 2477

Re: Best way to sell a used wedding ring?

I see lots for sale on local for sale groups through Facebook. I imagine Craigslist is another option. Depending on documentation available you may choose to meet at a reputable jewelry dealer that can assure the buyer of the authenticity and value (of course that would cost something).
by N1CKV
Tue Apr 21, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Friend's house burnt, Helping him start new financial life?
Replies: 20
Views: 2435

Re: Friend's house burnt, Helping him start new financial li

my insurance policy is enough to remove any remains of my house, prep the lot and rebuild what I had all over again. Contents are covered for full new replacement value - it doesn't matter that my 26" TV is a 15 year old tube tv technology, I'll get the 2015 model flat panel fully covered, it d...

Go to advanced search