Search found 347 matches

by N1CKV
Fri Aug 28, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 3507

Re: How much do you donate to your kid's public school?

I don't have any kids. I don't plan to have any kids. My property taxes are pretty low, however a substantial portion is levied by the school board/district. My sales taxes are in the upper range, again a substantial portion is levied by the school board/district. I pay plenty in income taxes (relat...
by N1CKV
Thu Aug 27, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 1746

Re: Kitces - Managing the Medicare B Premium Spike

Wait a second... this is really going to affect me negatively (assuming it stays this way until I make it there). I currently work in government and will be earning a pension. I currently don't pay SS and do not have enough credits to be eligible for Social Security (I have paid in 9 years of credit...
by N1CKV
Wed Aug 26, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Barcode generator
Replies: 7
Views: 547

Re: Barcode generator

Microsoft Word, some Avery peel and stick labels and a barcode font could easily do that.
FYI: barcodes start and end with an *
i.e.: *barcode*

"3of9" Font is a common barcode font that you should easily find online.
by N1CKV
Mon Aug 24, 2015 7:45 am
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 36
Views: 2829

Re: I need a classic men's black dress belt

I use a "gun belt" - as in one designed for carrying the weight of a firearm, while maintaining the appearance of a normal belt. They make most belts look like a piece of ribbon when it comes to actual functionality. The brand I use is Galco Leather. The model I prefer for dress wear (1 1/...
by N1CKV
Fri Aug 21, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 10608

Re: My new dishwasher doesn't clean

My new dishwasher works fine, sometimes I have to remind her that I did the cooking so she has to do the cleaning.
by N1CKV
Wed Aug 19, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: Attic Fan & Noise Ordinance
Replies: 35
Views: 2645

Re: Attic Fan & Noise Ordinance

The past relationship with them has been null -- we've attempted to introduce ourselves over the back fence, and no response, which has felt a bit odd. The first contact back from them was a note left in our mailbox. Sounds like a jerk. Put a note on his front door reminding him that placing items ...
by N1CKV
Thu Aug 13, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3344

Re: Is 401K Match included when someone asks you how much you make per year?

If I considered my employer's match to retirement it would make a huge difference in the reported number... my employer contributes over 27% of payroll to my pension plan.
by N1CKV
Wed Aug 12, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Plz critique these auto insurance policies
Replies: 23
Views: 1729

Re: Plz critique these auto insurance policies

I'm having trouble with understanding all of this: Additional Limits - You, your spouse and resident relatives Death Benefit: $10,000 total do you not have life insurance? Essential Services Benefits: $20 each day $14,600 total What exactly is "Essential Services"? I have never heard of th...
by N1CKV
Wed Aug 12, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Cash Flowing College by Overfunding Retirement
Replies: 6
Views: 515

Re: Cash Flowing College by Overfunding Retirement

I cash flowed college by not making retirement contributions..... for my own college. :?
by N1CKV
Wed Aug 12, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2086

Re: Architectural Shingles VS Metal Roof

There is many different types of of metal roofs and it appears different posters may have different roofs in mind.
There is the "standing seam"/sheet type and there is the type that mimics the look of a traditional shingle.
by N1CKV
Wed Aug 12, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6186

Re: Your First Job

At age 15 I worked at a Snowball stand. I made $4.00/hr CASH In order to accept the job my parents made me agree to take 1/2 of all pay and deposit it to savings. A little over a year later I worked at a plumbing and a/c wholesale supply house doing various jobs from warehouse duties, sales, truck d...
by N1CKV
Thu Aug 06, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Any method to quickly establish a credit history?
Replies: 22
Views: 1924

Re: Any method to quickly establish a credit history?

When I turned 18 and moved out of town to attend college my parents added me as an authorized user to one of their unused credit card account. I used that card for gas only and it was available in an emergency. Since the account was ~8 yrs old it gave me all of the history retroactive - I had an ins...
by N1CKV
Wed Aug 05, 2015 7:26 am
Forum: Personal Finance (Not Investing)
Topic: I do my own taxes. Should I use a CPA anyway to develop a relationship?
Replies: 11
Views: 1124

Re: I do my own taxes. Should I use a CPA anyway to develop a relationship?

You don't need an Accountant (even one with a CPA) if you don't need financial tracking/reporting or tax assistance.

FYI: CPA is not the equivalent of "tax expert"
by N1CKV
Mon Aug 03, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding ACH overdraft fees
Replies: 7
Views: 671

Re: Avoiding ACH overdraft fees

If you run your account that tight then there is an issue. The easiest way is to "float" a minimum balance in the account. That balance is your cushion. If you ever drop below it immediate action must be taken. Personally my "number" is $1,000. Do I miss out on interest/ investme...
by N1CKV
Fri Jul 31, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1124

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: 752

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: 1045

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: 2114

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: 2838

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: 19
Views: 1637

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: 10574

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: 2838

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: 2838

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: 6959

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: 3411

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: 4213

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: 1521

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: 4801

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: 1283

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: 1628

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: 3025

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: 1172

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: 1592

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: 3672

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: 1244

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: 1254

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: 8663

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: 5760

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: 14524

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: 3988

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: 2429

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: 1217

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: 3745

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: 2168

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: 2641

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: 1662

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: 828

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: 666

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: 12973

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...

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