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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: 1141

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: 282

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: 7691

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: 1003

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: 313

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: 227

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: 1833

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: 313

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: 346

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: 1153

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: 2343

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: 383

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: 2411

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: 617

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: 1689

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: 1649

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: 1906

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: 868

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: 4049

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: 280

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: 4049

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: 128
Views: 6270

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: 1689

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: 1620

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: 6442

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: 1150

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: 374

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: 1042

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: 1861

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: 773

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: 925

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: 4026

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: 2587

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: 4400

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: 2225

Re: New House Deep Carpet Cleaning

the right professionals have much better equipment. That said, I had my carpets cleaned before I moved in my house, all of the stains resurfaced about 6 months later. No matter how good the machine the carpet will never be "clean". I ripped out most of my carpet and went back with wood flo...
by N1CKV
Mon Aug 12, 2013 2:20 pm
 
Forum: Personal Consumer Issues
Topic: New House Deep Carpet Cleaning
Replies: 7
Views: 845

Re: ***457 Plan to Roth IRA conversion, when?***

I'm seeing this as a simple problem with a simple solution: You want to take the first 457b plan and convert it to the Roth IRA as soon as you leave your current employer, at least partially. At that time you will be in a lower tax bracket, use that lower tax space to and fill it up to the desired a...
by N1CKV
Mon Aug 12, 2013 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: ***457 Plan to Roth IRA conversion, when?***
Replies: 25
Views: 1443

Re: Consumer Reports references Bogleheads.org

Here is a link to the article: http://www.consumerreports.org/cro/magazine/2013/09/how-to-grow-your-savings/index.htm We did not know that the entire content of the magazine is available gratis online - another magazine that we can cancel! Dale Only select articles are available for free online. Th...
by N1CKV
Fri Aug 02, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Consumer Reports references Bogleheads.org
Replies: 24
Views: 5076

Re: less people in 401k at work, some $ returned, now taxabl

What could they do about it? Apparently the issue is the amount that got refunded is going to be taxable income for 2013 and there is "something" that people could have done before April 15 to mitigate taxes. perhaps they made ROTH contributions instead of Traditional to their IRAs or the...
by N1CKV
Tue Jul 30, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: less people in 401k at work, some $ returned, now taxable
Replies: 18
Views: 1968

Re: What Are You Using for Your Emergency Funds?

I'm using Ally CDs. My "emergency fund" is in 5 yr High Yield (2 of them). My "wanna buy a new house fund" is in a no-penalty 11 month and savings, with intention to move money from savings to more CDs incrementally. I chose that route because I intend to evaluate my situation an...
by N1CKV
Thu Jul 25, 2013 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 4437

Re: Finding Notary

In my state (Louisiana) all attorneys are also notaries, so if you have a personal relationship with an attorney you can ask.
by N1CKV
Mon Jul 22, 2013 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Finding Notary
Replies: 26
Views: 922

Re: lending money

answering the original question: From my own "goal" savings. In the past I have helped out a friend twice. Both times I funded these loans from my "new car down payment" savings. I didn't need a new car and at worst if I wasn't repaid it would just delay when I would make the pur...
by N1CKV
Fri Jul 19, 2013 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: lending money
Replies: 29
Views: 1732

Re: Best Checking Account?

I use Ally interest checking. so far the only issue I've had was making cash deposits. I had two large deposits I needed to make since January (when I switched). One time I had my girlfriend deposit at her ATM, then ACH the money to me. The other time I deposited the cash to a small savings account ...
by N1CKV
Thu Jun 27, 2013 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 12
Views: 1106

Re: Your worst financial habit

deer hunting. This entails everything from my hunting lease, cost to maintain a camp on said lease (150 miles from home), costs to drive there every weekend during season and at least monthly out of season for yard work. It goes on to costs of clothing I will use nowhere else, driving a full sized 4...
by N1CKV
Sat Jun 15, 2013 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Your worst financial habit
Replies: 84
Views: 10548

Re: [EveryDay Carry] EDC pocket knife?

looks like I'm the odd one here, I have a Kershaw OSO Sweet that I absolutely love. The Speed Safe feature means easy one handed open and close. It holds an edge just fine and isn't difficult to sharpen. Best part is they run about $20-22 on Amazon, I bought an extra just to have on the side. I just...
by N1CKV
Thu Jun 13, 2013 10:37 am
 
Forum: Personal Consumer Issues
Topic: [EveryDay Carry] EDC pocket knife?
Replies: 69
Views: 4123

Re: 457b question

sounds like your question was already answered, but just add another tidbit of data: my .gov employer has a defined benefit pension + 457b. There is no match available for me on the 457b. So considering that I would say that it could be worse for you (OP), at least there is some "free money&quo...
by N1CKV
Wed Jun 12, 2013 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 457b question
Replies: 20
Views: 1120

Re: Economic Census report?

I don't know of anything specific, but I found this: http://www.census.gov/econ/census/faqs.html#q7 7. What is the penalty for not responding? The census law (Title 13, United States Code, Section 224), coupled with the Sentencing Reform Act of 1984 (Title 18, Sections 3551, 3559, and 3571), provide...
by N1CKV
Tue Jun 11, 2013 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Economic Census report?
Replies: 1
Views: 227

Re: Question about insolvent estate and overdue property tax

I'm wondering why she even bothered with the short sale? Why not let the bank take over the property and walk away? You would only ruin the credit of the dead sister. If the estate is insolvent then there is nothing to lose, but entering in a real estate contract she (as the executor) is only adding...
by N1CKV
Fri Jun 07, 2013 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about insolvent estate and overdue property tax
Replies: 5
Views: 617

Re: Closing my brick & mortar bank acct

I closed my B&M accounts and moved to Ally at the beginning of the year. So far I have had no major problems. I sold some items on two occasions (this is very rare for me) for large sums of cash. The first time I had my girlfriend deposit the cash to her Chase account at the ATM, then send me a ...
by N1CKV
Thu Jun 06, 2013 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing my brick & mortar bank acct
Replies: 29
Views: 2549

Re: Insurance - Teaser Rates?

1. I don't pay for "name brand" insurance. I accept any company with an acceptable rating (I use an independent agent). 2. I have no loyalty to my insurance companies. It's a business transaction involving a contract. If their rate is no longer competitive with another company of acceptabl...
by N1CKV
Thu May 23, 2013 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance - Teaser Rates?
Replies: 7
Views: 412
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