Search found 587 matches

by N1CKV
Wed Dec 07, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Freetaxusa dot com
Replies: 13
Views: 1111

Re: Freetaxusa dot com

I used it last year and was pleased. There is no income limit that I came across. My state offers free filing directly through their Department of Revenue, so I file my state taxes directly for no cost.
by N1CKV
Wed Dec 07, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 2392

Re: Advice on dealing with Amazon customer service

Amazon has terrible customer service. Recently I purchased a fishing reel I had been watching for quite some time. The price dropped as offered by a 3rd party seller. I purchased. I received the item drop shipped through Cabela's. A month later I receive a demand letter from Cabela's stating that th...
by N1CKV
Tue Dec 06, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: 2nd cell phone in different area code
Replies: 13
Views: 1293

Re: 2nd cell phone in different area code

absolutely get a Google Voice. I would not want to keep track of a second device. Having two phone numbers is easy.
by N1CKV
Fri Nov 18, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 2207

Re: Vacation spots on Alabama's Gulf coast

Orange Beach, AL has some pretty decent beaches. Pensacola, FL is also around the corner from there with even better beaches and clearer waters. They also have the National Naval Air Museum which is fun to visit.
by N1CKV
Wed Nov 02, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Replacing run-flat tires on BMW
Replies: 34
Views: 2702

Re: Replacing run-flat tires on BMW

I had a friend who recently had a flat in a remote area and the shop was not able to remove the lug nuts because the key broke off when attempting to remove the lock. Usually there is not a risk of wheels or tires being stolen so I say use standard lug nuts. Sounds like an incompetent shop to me. I...
by N1CKV
Thu Oct 20, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage lender
Replies: 24
Views: 1438

Re: Choosing a mortgage lender

I would just look for the best rate/ terms. It has been my experience with one purchase and one refinance under my belt that the majority of the mortgages are "sold" to you by whomever you go to and then they turn around and sell off the loan to a major mortgage service company. That may n...
by N1CKV
Thu Oct 13, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: sheltering a monitary gift while separated
Replies: 22
Views: 1449

Re: sheltering a monitary gift while separated

You failed to tell us what state you were in. That can matter for a host of reasons. Either way, even in a community property state, a gift or inheritance is your own separate property and does not belong to your spouse. You can discuss with the closing attorney to be sure that the sale document cle...
by N1CKV
Mon Sep 12, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 4111

Re: Best Flashlight to keep in home for emergency

Surefire. http://www.surefire.com/eb2-backup.html I agree with Surefire, but I think different model is better suited for a better price. http://www.surefire.com/illumination/flashlights/g2x-pro.html 123 batteries have a 10 year shelf life, dual mode brightness from general use to defensive blindin...
by N1CKV
Wed Sep 07, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitor options
Replies: 15
Views: 1145

Re: Heart rate monitor options

I have the Garmin Vivosmart HR. It's not the best at anything, but it does do a lot. I really do like their phone app, works very well and syncs to MyFitnessPal for calorie tracking (if desired). Nothing wrist based will be incredibly accurate, it's just the nature of the beast.
by N1CKV
Fri Sep 02, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Employer mistakes 100% for 0% contribution to TIAA-CREF
Replies: 24
Views: 2190

Re: Employer mistakes 100% for 0% contribution to TIAA-CREF

Do you have a copy of the change form stating 100% to prove their mistake? If so I would present that in an appeal to the next level up and keep appealing until you reach the top of your organization.
by N1CKV
Fri Aug 26, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 6932

Re: Homeowners should consider flood insurance

I live on a hill in San Francisco. I don't worry about too much rain. I worry about getting enough rain! I thought the same thing, my house is nice and high. My house took on 31" of water last week, my elevation certificate says I am several feet over the 100 year flood plain. The water didn't...
by N1CKV
Mon Aug 22, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Donating to Baton Rouge Flood Victims
Replies: 4
Views: 582

Re: Donating to Baton Rouge Flood Victims

I live in Baton Rouge and I flooded (31" of water). I do not know off the top of my head the best organization but I will look in to who is really helping. Red Cross is providing support, but I have heard of a lot of waste. On edit: Habitat for Humanity as suggested above is a wonderful suggest...
by N1CKV
Thu Aug 11, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: air conditioning filters
Replies: 36
Views: 2822

Re: air conditioning filters

First and foremost: The filter inlet on your A/C unit was initially designed to trap common dust/hair/ fiber particles in a home to protect the fan and coil from contaminants that will clog it. It is NOT designed to trap allergens. The fan in your A/C system is not designed for that much restriction...
by N1CKV
Tue Jul 19, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1720

Re: discount cards for prescriptions?

Once we are made responsible for our medical expenses (we moved from PPO to HSA), we start to learn a lot on the discrepancy of medicine prices. absolutely! My wife quickly dropped Walgreens in favor of Walmart when I pointed out the price difference, from $40 to $4 for her monthly prescription. I ...
by N1CKV
Fri Jul 15, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: What to do with old car?
Replies: 10
Views: 1020

Re: What to do with old car?

back when I first met my wife she owned a car that was mechanically unusable and in need of severe body work (water leaking in to cabin). It was parked at her mother's rented house and her mother was moving, I told her to just call a scrapyard and tell them to come get it. She called, they showed up...
by N1CKV
Fri Jul 15, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Used car - when different model years are the same car?
Replies: 11
Views: 898

Re: Used car - when different model years are the same car?

The car may be the same design, but the features may have been upgraded. A couple of examples: In deed. While my vehicle body is the identical to one 2 model years older (and several years after) it is vastly different. I have a different transmission than previous years (drastic improvement) along...
by N1CKV
Fri Jul 15, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving money as a legacy after death
Replies: 15
Views: 1153

Re: Leaving money as a legacy after death

Why do you have 750K in life insurance if you have no dependents?
by N1CKV
Fri Jul 15, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How badly did I get ripped off? [Auto lease]
Replies: 21
Views: 3199

Re: How badly did I get ripped off?

I don't think the Envoy has a timing belt. Pretty sure its a chain. Timing chains are pretty durable and generally last longer than the vehicle. Could it have been the serpentine belt that broke? You are correct. It should be a timing chain that is unlikely to have broken, more likely a serpentine ...
by N1CKV
Fri Jul 15, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3137

Re: Avoiding Inheriting Parents' Financial Mess / Debts

I guess one good question might be whether there are any ways to protect the assets of the the deceased -- particularly a home -- so that the children would maybe be able to maintain a home that has been in the family for 50+ years...? Probably a reach but people seem to know their stuff on here as...
by N1CKV
Thu Jul 14, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4764

Re: Car Buying Dilemma

I would ignore the Japanese cars and buy something like a Chevy Malibu brand new. A base model lists for about $23k, you should be able to negotiate the price a decent amount without much trouble to get it close to the used Altima with way better build quality.
by N1CKV
Thu Jul 14, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 81
Views: 6444

Re: How much cash to give when invited to a wedding?

From previous threads this seems to vary massively depending on your region/ culture. I married last year. We did not do a big expensive wedding, but we did provide a beer and wine bar at the reception. At no point did we consider the amounts we spent to correlate with the gifts received. It was our...
by N1CKV
Tue Jul 12, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 4194

Re: Do you have any retiree healthcare benefit from your employer?

Yes. I am fully vested in to my employers health benefit: At retirement I am entitled to stay on my employer's health plan for the same price as current employees. When I become medicare eligible I have to sign up for that, with my employer plan acting secondary at that point. I am in the public sec...
by N1CKV
Thu Jul 07, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance - removing comprehensive and collision
Replies: 19
Views: 1719

Re: Car insurance - removing comprehensive and collision

what about if someone hits you? Uninsured motorist? (which is a very big issue in my home state of California.) That is highly dependent on the state the OP lives in. In my state uninsured motorist does not cover the vehicle and only covers medical of you and your occupants, therefore it is worthle...
by N1CKV
Thu Jul 07, 2016 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Best full featured online checking?
Replies: 40
Views: 3516

Re: Best full featured online checking?

Ally hits all of your requirements, except maybe the billpay. They do have a good bill pay feature but they recently "upgraded" the system and the auto-payments quit for several of my accounts (Chase & Wells Fargo). Everything else on your list they do well/ best in class. eCheck depos...
by N1CKV
Thu Jun 30, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Looking to purchase a SXS/UTV
Replies: 6
Views: 521

Re: Looking to purchase a SXS/UTV

I have a Honda ATV, but I prefer Yamaha. I have friends with both Yamaha and Honda SXS. I prefer the Yamaha by a long shot. I have extensive experience driving a Rhino with the Yamaha Ultramatic (CVT) transmission and I can tell you hands down it is a great transmission. It is VERY annoying to drive...
by N1CKV
Thu Jun 30, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Car rental in Aruba
Replies: 14
Views: 941

Re: Car rental in Aruba

taxi?
by N1CKV
Thu Jun 30, 2016 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying a friend's student loans?
Replies: 21
Views: 2471

Re: Buying a friend's student loans?

Sounds like a heck of a deal, for your friend. Not only are they converting a non-dischargable debt to one quit easily dischargable and unsecured (if you would even pursue it in the first place). It also cleans up his credit report and shows those loans as being satisfied, which allows him the abili...
by N1CKV
Wed Jun 29, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: Can this roast beef be saved?
Replies: 22
Views: 1855

Re: Can this roast beef be saved?

I think Just Frank a few posts above has the best ideas, although you are going to end up with it more on the dry side regardless at this point. It will still be edible though. When you say "hours", do you mean 2-3 hours or 8-10 hours, there is a big difference. I cook deer and wild pork r...
by N1CKV
Tue Jun 28, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 11281

Re: Please help! Buyer's remorse, need advice

It also likely costs a lot more for gas and insurance so getting a more reasonable car will likely also save you money on those too. Newer trucks in stock configuration get pretty decent fuel economy. My 4X4 truck that is worth almost double as much as my wife's sedan is cheaper to insure. Trucks a...
by N1CKV
Tue Jun 28, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Daughter Auto insurance
Replies: 20
Views: 1434

Re: Daughter Auto insurance

Let your kid grow up and figure out life, it's past time.
by N1CKV
Mon Jun 27, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 18
Views: 2188

Re: Dashcam recommendations

checkout this site for tons of data on the subject:
https://dashcamtalk.com/

My wife and I have a B40/A118 style camera in our vehicles and I purchased the additional hardwire kits to wire them to come on and off automatically with the ignition.
by N1CKV
Mon Jun 27, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Dogs scratched my car on country road
Replies: 27
Views: 2944

Re: Dogs scratched my car on country road

I stopped in my truck one time to chat with a friend who had his leashed lab with him. I never got out of the truck, just rolled the window down. The dog unexpectedly jumped up and scratched my door. It looked pretty bad at first, but a little polishing compound and wax made it disappear, the clear ...
by N1CKV
Mon Jun 27, 2016 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Question on tax savings on 457b
Replies: 4
Views: 280

Re: Question on tax savings on 457b

Correct. SS & Medicare are not affected.
The only thing that saves on that is Cafeteria plans (health, dental & vision) and HSA contributions.
by N1CKV
Wed Jun 22, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Help, I'm stuck with John Hancock
Replies: 19
Views: 2461

Re: Help, I'm stuck with John Hancock

If you are worried about those expense ratios the choices in my 457 (also with no match) would make your head explode...
by N1CKV
Mon Jun 20, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: When to cancel unused credit cards
Replies: 7
Views: 1163

Re: When to cancel unused credit cards

I have plenty more accounts than I need. My methods have been to not keep any card with an annual fee, in fact I just avoid those cards. If you have any then call and request that they be downgraded to the no annual fee version. After that shove them in my safe and let them drop off as they want. I ...
by N1CKV
Mon Jun 20, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Better to max out IRA before buying a house?
Replies: 14
Views: 909

Re: Better to max out IRA before buying a house?

I am doing both. It will take a little longer, but it's just my financial discipline. I plan to purchase in spring 2018. I will likely forgo making a maximum contribution in early January 2018 to my IRA (like I have done previously), but I will fully fund it over time in the second half of 2018, jus...
by N1CKV
Mon Jun 20, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4728

Re: College and beyond without a credit card?

Having and using a credit card teaches responsibility. My parent's helped by getting me a card because I was traveling about an hour away for school weekly, most of the route was across a single long bridge. Having a card was a safety net to pay for a tow or repair to get me out of a potential bad s...
by N1CKV
Mon Jun 20, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: High Credit Card Debt- Need Help
Replies: 107
Views: 8357

Re: High Credit Card Debt- Need Help

If you were my spouse and you kept secrets like this from me that would completely wreck my retirement if / when your house of cards falls, I would seriously consider leaving you. Not even telling your spouse about this serious financial disaster is an act of betrayal.
by N1CKV
Sat Jun 18, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: I hate cell phones [battery problems]
Replies: 17
Views: 2071

Re: I hate cell phones [battery problems]

That sounds like either an issue with the phone itself or (more likely) you have a rogue app sucking power. In your settings you should be able to see where the batter power being used. On Android 6.0 it is: Settings / Battery. Look to see what exactly is using an inordinate amount of battery power....
by N1CKV
Thu Jun 16, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: To paint our wood trim or not?
Replies: 82
Views: 5793

Re: To paint our wood trim or not?

I HATE the look of white painted trim and cabinets. I believe the only reason it started as a trend was so that builders/ designers could use cheaper wood/materials to build with instead of quality hardwoods. The paint is just to cover it up. Cabinets get made with particle board, crown molding is m...
by N1CKV
Thu Jun 16, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing - should I add wife to title/deed?
Replies: 23
Views: 2382

Re: Refinancing - should I add wife to title/deed?

Are you in a community property state? If so and the mortgage is being paid from marital assets then it really doesn't matter, she owns half anyway if the house was acquired before marriage, if you had equity prior to marriage it could be argued that you have a separate equity stake in addition to t...
by N1CKV
Wed Jun 15, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: let go with 2 days notice
Replies: 28
Views: 4479

Re: let go with 2 days notice

two day notice is better than to-day notice!
by N1CKV
Wed Jun 15, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Cost of SIM card
Replies: 17
Views: 1520

Re: Cost of SIM card

Recently an AT&T corporate owned store activated my Nexus 5X with a nano sim for no charge. Technically he told me there was a $1 charge for the sim card, but not to worry about it. At another AT&T corporate owned location I traded phones with a friend (He wanted my phone, I wanted his phone...
by N1CKV
Tue Jun 14, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Ally bank as their only bank?
Replies: 34
Views: 3167

Re: Anyone use Ally bank as their only bank?

I use Ally as my main bank. My secondary bank is Capital One 360 and I also have a small account at a credit union associated with my employer. Has anyone run into any problems with Ally's Billpay system? The only problem that I have is that the new system does not support ebills from Chase credit c...
by N1CKV
Sat Jun 11, 2016 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Firearm Insurance Pricing
Replies: 15
Views: 1720

Re: Firearm Insurance Pricing

Cancel the insurance and self insure/take my chances? Cancel the insurance and upgrade to a beefier safe? Switch to the NRA Armscare Plus? Some other option I haven't considered? These options are exactly what I am doing except I am only using the free provided NRA insurance. I am a lifetime member...
by N1CKV
Sat Jun 11, 2016 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 6427

Re: Paid off the mortgage today

Congratulations! :sharebeer
by N1CKV
Wed Jun 08, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best state to get married in?
Replies: 11
Views: 908

Re: Best state to get married in?

I think it's interesting that Texas has a 3 day waiting period between getting the license and actually getting married (with some exceptions). I think that's a good thing. "Whoa" is not only for horses in Texas. The same 72 hour restriction applies to Louisiana and several other places. ...
by N1CKV
Mon Jun 06, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: High Interest Checking Account that pulls in PDF's of bills
Replies: 10
Views: 1122

Re: High Interest Checking Account that pulls in PDF's of bills

1. What Stlutz said - I want to review the bill and verify. I do this through mint.com for my credit card. 2. I do not want to visit 5 different websites, and logon, to pull in my bills each month (power, water, nat. gas, cc, etc.). I find that VERY time consuming. My water, sewer and trash is on o...
by N1CKV
Fri Jun 03, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Discounted Gift Card Websites - issue
Replies: 11
Views: 1365

Re: Discounted Gift Card Websites - issue

I have used cardpool and raise in the past without issue in the past. Cardpool always has a stock of heavily (16.5%) discounted Bass Pro Shop cards. When Bass Pro has a free shipping deal and a product I want, I can buy the electronic gift card, receive it within minutes and use it immediately for m...
by N1CKV
Fri Jun 03, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Soy-based rubber, car hoses, and hungry rodents
Replies: 11
Views: 1327

Re: Soy-based rubber, car hoses, and hungry rodents

I had bad issues with rats/ mice at my hunting camp. The camp is located in the center of an 11,000 acre forest, so it's impossible to control them. They have managed to chew the following on my 2009 GMC Sierra: -headlight low beam wire -horn wiring harness (both wires clean through) -windshield wa...

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