Search found 1608 matches

by rec7
Thu Jul 02, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help review a monthly budget
Replies: 15
Views: 1467

Re: Help review a monthly budget

I always liked Crown Money Map I found it helpful even if I did not need all the categories.
https://www.crownmoneymap.org/MoneyMap/ ... tguide.asp
by rec7
Sun Jun 28, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 13
Views: 1561

Re: Is your home owner insurance going up 27% this year?

Several years ago, mine was going to go up 30% (Allstate). I shopped around and received a 21% decrease (State Farm). Last year I paid $360 for the year. Dwelling: 176,000. Personal Property: 132,000. Deductable: 1,000. I'm not complaining, but still shop around. That is a great rate. I am in the M...
by rec7
Fri Jun 26, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 5892

Re: What credit should you get? (Ask me anything)

How many cards would be OK to get in a one month time period. I have no inquires right now on my report.
by rec7
Sun Jun 21, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding sharing an inheritance:
Replies: 19
Views: 2091

Re: Question regarding sharing an inheritance:

I'd vote for splitting the remainder among the heirs of all 4 of you along some formula where the heirs get equal shares of the 1/4 that was originally allocated to each friend. I would also add that you be given more so you could cover inheritance tax later on in life if you think that would be a p...
by rec7
Fri Jun 19, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 636

Re: Need advice on scanning taxes

Or would I just be safer to put it in the mail?
by rec7
Fri Jun 19, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 636

Re: Need advice on scanning taxes

I have not scanned more than two pages before my scanner on the printer is from maybe 2007. This is my first time doing something like this.
by rec7
Fri Jun 19, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 636

Re: Need advice on scanning taxes

Could FedEx/Kinkos copy it in pdf form and put it on my flash drive?
by rec7
Fri Jun 19, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 636

Re: Need advice on scanning taxes

Looks like 9 pages each year. I guess I could put each year in a computer folder and email them. How safe is this?
by rec7
Fri Jun 19, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on scanning taxes
Replies: 10
Views: 636

Need advice on scanning taxes

I need to scan two years of taxes but my old scanner only does one page at a time. Is there an easy and safe way to get this done? I could pay to do it because I might need to do it only once every five years. The reason I am doing it is because I am applying for a loan. My credit union told me to s...
by rec7
Thu Jun 18, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Worst Bands/ Musicians and Movies
Replies: 48
Views: 4995

Re: Your Top 10 Worst Bands/ Musicians and Movies

DDMP20 wrote:Your Top 10 Worst Bands/ Musicians and Movies

I saw a best of thread but what immediately came to mind was my least favorite so here goes;

Least Favorite Bands:

Beach Boys


The talent of Brian Wilson was something few had in music.
by rec7
Tue Jun 16, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Recommend a port, please [Wine]
Replies: 28
Views: 2518

Re: Recommend a port, please [Wine]

Go with Mogen David it is close to port and cheap.
by rec7
Fri Jun 12, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Insurance
Replies: 30
Views: 3196

Re: Amica Insurance

I'm curious about the dividend check that you guys received from AMICA. I've been with them for more than 2 yrs now, don't recall receive any check. Also, I haven't filed any claim. Do they send check to everyone? I believe when you sign up you have a choice to be a member (higher premium but later...
by rec7
Fri Jun 12, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1073

Re: Furnace question

Are they there to relieve any excess pressure from a blockage - or to provide a minimum of airflow out of the basement? I don't know but two holes the size of a quarter each I would think would not help. The only thing I can think of is it might help the blower fan start easier. But I don't know? I...
by rec7
Thu Jun 11, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1073

Re: Furnace question

I guess it is not a huge deal but I figured it does not need to be sucking in basement air rather than getting a little more air from cold air return. I just wanted to make sure they were not there for the blower fan for some reason.
by rec7
Thu Jun 11, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1073

Re: Furnace question

I don't have a camera but these are in the blower section not in the burner section.
by rec7
Thu Jun 11, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Furnace question
Replies: 9
Views: 1073

Furnace question

I have two holes in the blower fan section of the furnace about the size of a quarter each( This is on the outside of the furnace). I am thinking about putting furnace tape over them. Do you think this would be ok.
by rec7
Sat Jun 06, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: small church printer ideas
Replies: 10
Views: 952

Re: small church printer ideas

I have one of these and I think it could handle that job. It prints in black and white and the toner is very low cost. For what they cost you could buy two to have a back up. http://www.amazon.com/Brother-HL2240-HL-2240-Laser-Printer/dp/B00450DULW/ref=sr_1_1?s=hi&ie=UTF8&qid=1433614109&s...
by rec7
Fri May 29, 2015 6:30 pm
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 15
Views: 2591

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

I finally got burned chasing all these CD deals. Every bank/credit union pulls my Chex report when I open an account. I suppose that's reasonable, even though I'm not opening checking accounts that would involve the potential to overdraw. What's less reasonable is pulling thre report multiple times...
by rec7
Tue May 26, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1695

Re: Roth IRA Tax question

Thanks everybody you have helped me to understand the 5498 better.
by rec7
Tue May 26, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1695

Re: Roth IRA Tax question

All the boxes on the 5498 are empty except box 5 Fair market value of account. I have my Roth in the bank. So I will get a 5498 every time I move for a better rate.
by rec7
Mon May 25, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1695

Re: Roth IRA Tax question

Any more tax experts out there?
by rec7
Fri May 22, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1695

Re: Roth IRA Tax question

Thank You
by rec7
Fri May 22, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1695

Re: Roth IRA Tax question

The Wizard wrote:You should be fine. It's probably a 5498 form...


Yes it is a 5498 form
by rec7
Fri May 22, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 16
Views: 1695

Roth IRA Tax question

In 2014 I moved a Roth IRA from one bank to another. The receiving bank sent me a tax form stating the fair market value of the account. I forgot to turn it in with my taxes will that be a problem?
by rec7
Thu May 21, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much would home insurance on a 650k house in Chicago cost?
Replies: 7
Views: 732

How much would home insurance on a 650k house in Chicago cost?

How much would home insurance on a 650k house in Chicago cost? Any Chicago folks here?
by rec7
Sun May 17, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 19
Views: 1454

Re: Which online banks accept incoming wires (and are generally good).

555 wrote:Hmmm, Alliant and Ally are very similar names, but I assume there's no connection, right?

Ally is a bank Alliant is a credit union.
by rec7
Fri May 15, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella coverage?
Replies: 15
Views: 2114

Re: Do I need umbrella coverage?

To answer some questions 1.No celebrity, famous or rich. Government employees. Total yearly household income around $188k 2.I do not know what might/might not happen 3.The personal liability on Home & landlord insurance is $300k each. 4. UI motorist:$100k/$200k 5.Property coverage:$15k/occurren...
by rec7
Thu May 14, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2608

Re: Is the Post Office slowing down first class parcel delivery?

I think so because our post office would empty the outside mail boxes fives time a day. Now they empty them once a day. That would slow things down several hours maybe a day.
by rec7
Wed May 13, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 10009

Re: List of favorite accounts

I am doing some laughing here because I do a lot of these or have heard of them. You can tell I spend a lot of time on Bogleheads. LOL By doing several of these things I am saving thousands per year. Most of these things take time and effort, yet yield under $100 from what I can tell. Which are the...
by rec7
Mon May 11, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I do
Replies: 4
Views: 757

Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I do

Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I leave it off the rest of the year without keeping it on a charger?
by rec7
Sun May 10, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3919

Re: Do banks take loose coinage?

Read that wrong LOL
by rec7
Sun May 10, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5947

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

FredL wrote:Do you want to live there if they give you free housing and meals?

I hope you do not have jail in mind. LOL
by rec7
Sun May 10, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3919

Re: Do banks take loose coinage?

Another reason to join a credit union. His credit union does, her credit union does, my bank does, someone else's bank does. How does this say one should join a credit union -- not that that credit unions aren't fine things. Notice the big bank that charged $40. Or least I would bet it was a big ba...
by rec7
Sun May 10, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3919

Re: Do banks take loose coinage?

Another reason to join a credit union.
by rec7
Fri May 08, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit union question
Replies: 16
Views: 1737

Re: Credit union question

dm200 wrote:
Think of Miracle on 34th Street when the run on the bank happens and people ask for the money but he can't give them cash because he already loaned it out.


Wasn't that "It's a Wonderful Life"?


I can picture Jimmy Stewart running a credit union today.
by rec7
Wed May 06, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5947

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Thanks everyone. I am laughing a little bit it sounds like one of the most dreaded town in the US.
by rec7
Wed May 06, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Credit union: "once a member, always a member"?
Replies: 22
Views: 1768

Re: Credit union: "once a member, always a member"?

I've wondered how that slogan applies to someone who closed all accounts, then some time later (when not meeting the current membership criteria for whatever reason) wanted to re-establish a relationship. If this is a concern then don't close all your accounts. At my CU all I need do is keep $5 in ...
by rec7
Wed May 06, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: I only use a chrome browser do I need Microsoft Security Essentials?
Replies: 5
Views: 872

I only use a chrome browser do I need Microsoft Security Essentials?

I only use a chrome browser do I need Microsoft Security Essentials?
by rec7
Wed May 06, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5947

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

People are crazy about Santa Fe, NM and it is not that far away.
by rec7
Tue May 05, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5947

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Wow it is that bad compared to St Louis?
by rec7
Tue May 05, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5947

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Bump I added more info about what I am looking for.
by rec7
Tue May 05, 2015 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 16 Years Old
Replies: 23
Views: 1621

Re: Credit Card for 16 Years Old

Kid must be 18 to sign a contract so he can't have a credit card until that point. I have know people to fineness the issue by making the kid an authorized user, but this is of limited benefit as it does not help build a credit history. It think if they are in college they can not get one before 21...
by rec7
Tue May 05, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5947

What are the Pro's and Con's of Retiring in Amarillo, TX

What are the Pro's and Con's of Retiring in Amarillo, TX I wanted a place not as humid as St. Louis but not super dry either. I also am looking for low cost of living. I am looking for a place that is has no state income tax.
by rec7
Thu Apr 30, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Disparity
Replies: 9
Views: 728

Re: Auto Insurance Disparity

I have a friend in Chicago his car insurance is about 50% higher than mine. It can be $100+ more because of age. My insurance man told me that.
by rec7
Tue Apr 28, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: Omaha this weekend
Replies: 29
Views: 2767

Re: Omaha this weekend

gasdoc wrote:May I ask what is in Omaha? :?:


How about Warren Buffett for starters.
by rec7
Mon Apr 27, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Your First Credit Card
Replies: 23
Views: 1651

Re: Applying for Your First Credit Card

I agree that Chase Freedom is a good card to start out with. I agree with TFinator. Always pay off 100% of your balance when it's due. Once per year, request to have your credit limit doubled. Ideally, you would like to have a lot of credit available, but only be using a small portion of it. So if ...
by rec7
Sun Apr 26, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3999

Re: How far away from a freight railroad track should you li

We are about three miles and a few nights a year I can hear it. But it is very faint.

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