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Re: Does it matter where you refill an RX.....

It can matter drastically.
My fiance had a maintenance prescription that was ~$40 at Walgreens, Walmart 2 doors down had the same prescription on their $4 list.
by N1CKV
Wed Dec 17, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Does it matter where you refill an RX.....
Replies: 4
Views: 1013

Re: Convince Wife About Value of IRA - Good Resources

If your spending is quite low relative to income, then it's likely not to be sky high in retirement (although that could change if you love to travel, etc.). If your spending will be lower in retirement, then chances are the amount you'd be taking out of retirement accounts (via RMD's or extra) is ...
by N1CKV
Mon Dec 15, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1115

Re: Convince Wife About Value of IRA - Good Resources

If it's money you won't need until retirement, why would you voluntarily pay tax on it's earnings today when you can invest it in a Roth Account and let it grow tax free for your lifetime? Also, your Roth contributions are accessible after they have been in the plan for 5 years, so they aren't locke...
by N1CKV
Mon Dec 15, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince Wife About Value of IRA - Good Resources
Replies: 13
Views: 1115

Re: DMV and smog check issues

Typically, when you show up to get a car "smogged" (inspected, brake tag, emissions check, etc.) you will need a valid registration and proof of insurance. Typically to get a valid registration you will need proof of liability insurance.
by N1CKV
Fri Dec 05, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: DMV and smog check issues
Replies: 6
Views: 693

Re: [Poll] What's Your Tax Prep Strategy?

none of the above. I have a spreadsheet that tracks each paycheck from gross through deductions to net. The same spreadsheet has inputs for other types of income, itemized deductions (and determines if standard deduction would be better). It calculates AGI, taxable income, taxes due, taxes paid and ...
by N1CKV
Thu Dec 04, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 64
Views: 3714

Re: I think I might have goofed.........

why can't you send Vanguard the beneficiary information yourself?
by N1CKV
Wed Dec 03, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: I think I might have goofed.........
Replies: 15
Views: 2703

Re: Best market solution for a large car/SUV for roadtrips?

keep in mind most rental agreements forbid transporting dogs or cats in the vehicle. I don't really see much of a problem with replacing one of the econo cars with a large SUV. In retirement chances are most of the time you can plan trips where the large SUV stays parked unless needed. I drive a ful...
by N1CKV
Tue Dec 02, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1489

Re: Brother wants me to co-sign a house with him

So what's in it for you exactly?????? What "Tax Shelter" are they referring to??????? You have NO need for any scheme, it only opens you to possible problems. Why in the world would you buy a house with someone you don't particularly care for??? (regardless of who is supposed to pay the no...
by N1CKV
Tue Nov 25, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 3093

Re: Brother wants me to co-sign a house with him

No. If you brother doesn't have the credit to finance the house himself them that should be a sign: if a professional lender won't take the risk, why would an amateur? With the income you quote him as having he shouldn't be having problems affording a reasonable home. I don't see where you would ben...
by N1CKV
Tue Nov 25, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 3093

Re: Did I overcontribute to my HSA? What do I do now?

How did you miscalculate this? Does your employer make a contribution to the HSA?
by N1CKV
Mon Nov 24, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 551

Re: Can't quite max out TSP contribution--what to do?

Call your H.R. I had issues getting my contributions right with my employer and I eventually found the person that actually inputs the requests to the payroll system. She gladly faxed the manual form to complete and sign and accepted it back by email to make it effective immediately, she was very fl...
by N1CKV
Mon Nov 24, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't quite max out TSP contribution--what to do?
Replies: 8
Views: 803

Re: What do you splurge on?

Deer hunting. This just isn't a hobby, it's a lifestyle. It includes the cost of: leased property, a camp, driving 300 miles round trip to said property every weekend during season (and a few out of), ATV, needing a full size 4X4 truck (and it's associated expenses), firearms, safe, a wardrobe of ca...
by N1CKV
Mon Nov 24, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 234
Views: 20768

Re: Cash In CC Points?

if you had an extra $2,000 in your pocket right now would you:
a. pay down debt
b. give it to your credit card company to hold for safe keeping (not so safe, it can be devalued at anytime)
c. invest it
by N1CKV
Wed Nov 12, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash In CC Points?
Replies: 22
Views: 2708

Re: Q on higher mortgage payments or higher 457 payments?

I would certainly be contributing to IRAs for both yourself and your wife to the maximum extent possible first (including catch up contributions based on age). 457b accounts typically have horrible expense ratios, I know mine does. That said, they do have their place. The benefits I see in the 457b ...
by N1CKV
Mon Nov 03, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Q on higher mortgage payments or higher 457 payments?
Replies: 4
Views: 546

Re: Car Maintenance

I don't have a German car. I have previous experience working in a shop as a Service Manager, I am beyond qualified to go over my vehicles looking for issues from fluid leaks to tire wear issues. I have bought 2 new vehicles in my life. Neither has returned to a dealership with the exception of warr...
by N1CKV
Mon Nov 03, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 4145

Re: funding roth ira for son

I think that matching his contributions while he is seeking higher education is a great thing, wish someone would have done it for me. I would make him set it all up and get his share of the contributions in the account. He needs to take that initiative. Make your contribution any way you see fit, c...
by N1CKV
Tue Oct 21, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 10
Views: 1183

Re: Late start, low income - what to do first?

Johm221122 wrote:You pay SS and Medicare on all earned income

John

.... except certain things. The only way to avoid SS and Medicare tax is through payroll deducted Health, Vision and Dental plans and HSA contributions.
by N1CKV
Thu Oct 09, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2781

Re: Is a fall in portfolio value "only on paper"?

I don't have any money in the market. At all. I have purchased (and continue to purchase) shares of companies, albeit through mutual funds, but the underlying asset is the share of that company. I have NEVER lost a share of a company. The value of that share may fluctuate, but I still own that share...
by N1CKV
Thu Oct 09, 2014 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Is a fall in portfolio value "only on paper"?
Replies: 86
Views: 4172

Re: 0% Furniture Credit

Ask for the "cash discount" i.e.: "If I choose to decline the interest free financing and pay by credit card today is there any additional discounts available?" if the answer is no, as again replacing "credit card" with "check or cash" Of course if they take t...
by N1CKV
Wed Oct 08, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: 0% Furniture Credit
Replies: 29
Views: 1353

Re: Bancorp (mysmartsaver) HSA

You don't get paid at least monthly by direct deposit?
I have my deduction setup to go out twice a month (paid every 2 weeks, on a 3 paycheck month it skips the 3rd check).
by N1CKV
Tue Oct 07, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bancorp (mysmartsaver) HSA
Replies: 10
Views: 873

Re: Bancorp (mysmartsaver) HSA

The above statement about the $2,500 minimum to avoid fees is incorrect. Your employer will be making direct deposits which qualify as an "electronic credit" which means you only have to maintain $1,500 minimum to avoid fees.
by N1CKV
Tue Oct 07, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bancorp (mysmartsaver) HSA
Replies: 10
Views: 873

Re: Cash In Credit Card Points? Or Keep Accumulating?

I only use Cash back rewards cards. I have all of them set to auto redeem at the minimum amount allowed as a statement credit.
by N1CKV
Mon Oct 06, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash In Credit Card Points? Or Keep Accumulating?
Replies: 28
Views: 2655

Re: Is it normal to lose $$$?

I didn't "lose" anything, however the stocks I've been buying did recently go on sale :D
by N1CKV
Mon Oct 06, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 4149

Re: Should I get an HSA?

I hear that HSA's are a good thing, but this makes me wonder: When you get medical care, say a blood test, the "retail" cost might be $300, but the insurance company only pays maybe $40-$50. If you pay out of pocket, don't you have to pay the full $300? That will eat any HSA savings in a ...
by N1CKV
Fri Sep 26, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I get an HSA?
Replies: 17
Views: 1146

Re: What can I do better?

Age: 24 [snip] I tried to follow the advice of keeping the stocks in my after-tax account, and bonds in my pre-tax account, which is why my entire Vanguard account is in that one fund. [snip] you are looking at this wrong. Bonds are not preferred in TAXABLE accounts, big difference. Both accounts y...
by N1CKV
Wed Sep 24, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What can I do better?
Replies: 5
Views: 463

Re: Should I step in to help my in law pay off credit card d

If this is a one off event for your mother in law, then paying off the CC for her is merely an act of kindness. It is always good to show kindness and compassion. Pay it off for her. Pets are children to some people. I'd bankrupt myself to help one of my pets. It's not like she blew it on jewelry. ...
by N1CKV
Mon Sep 15, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2698

Re: Captive Insurance

you mention the Defined Benefit Plan, does he also have a 403b and/or 457b available? Is he doing a Backdoor Roth IRA? I know these two items are a drop in the bucket in his big picture, but it's something to chip away at the total.
by N1CKV
Thu Sep 11, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Captive Insurance
Replies: 11
Views: 825

Re: Which generator do you have?

I have a 4000w Champion. I have an outlet to connect it to my panel, with the proper Interlock to disconnect from the grid. I must turn off all 240v items, as the generator is 120v, but I can run every 120v item in my house plus a window unit with no problems. The fridge, a few lights, window unit a...
by N1CKV
Tue Sep 02, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9370

Re: Free credit report not available online

I had the same happen for both Experian and Equifax this year, never had any problems in the past.
by N1CKV
Tue Sep 02, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 509

Re: HSA Questions

if you put your own money in to your HSA you will claim it when you file your taxes. You won't get the forms from your account holder until after you file (just as it is with IRA contributions), so keep track of this for yourself to report it properly.
by N1CKV
Tue Aug 19, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 804

Re: Strategic Default

I guarantee the bank isn't worried about morality in its dealings with you. ...and I bet you would be the first person to sue the snot out of the bank if they were the one's trying to change the contract terms mid-stroke in their favor? FWIW: I wouldn't consider a strategic default unless the payme...
by N1CKV
Fri Aug 15, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3410

Re: Best way to earn a pension

Take a low doc salary of $200k, and earn a pension of 2% per year for 10 years of service = $40,000 per year. Imagine this is from age 52-62. To buy that $3333 monthly income stream from Vanguard beginning at age 62, single annuitant, no inflation, costs about $630,000. In order to generate that sa...
by N1CKV
Mon Aug 04, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 5253

Re: How to stop collection for an invalid debt

Have you gone to the library and checked the shelf to see if the book is there?
by N1CKV
Fri Aug 01, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 2051

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 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Tenant request lease agreement is named in LLC?
Replies: 17
Views: 2337

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 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife has no retirement options- is breadwinner
Replies: 36
Views: 3481

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 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: opening IRA, have exitsing roth
Replies: 9
Views: 638

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 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Get 6.8% return on HSA savings?
Replies: 13
Views: 1508

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 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Get 6.8% return on HSA savings?
Replies: 13
Views: 1508

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 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me pick International Equity Fund
Replies: 10
Views: 929

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 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Fair market value of a non profit dinner
Replies: 12
Views: 910

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 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home and cold feet!!
Replies: 40
Views: 3522

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 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting married this summer - when to contribute to Roth IRA
Replies: 6
Views: 731

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 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 11376

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 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: car rebate - based on who's zip code?
Replies: 6
Views: 629

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 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Future contributions to VG Roth or 457 Roth?
Replies: 6
Views: 311

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 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4929

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 2:09 pm
 
Forum: Personal Consumer Issues
Topic: How to sell lightly used phone
Replies: 15
Views: 928

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 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: What now, that the city placed an erroneous lien on account?
Replies: 6
Views: 1049

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 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying Taxes Owed Using Credit Card
Replies: 10
Views: 1298

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 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Disability Benefits - Recommend a Book?
Replies: 4
Views: 314
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