Search found 534 matches

by N1CKV
Fri May 27, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: RMD paid after a death to the incorrect person through a savings account with a different named beneficiary
Replies: 8
Views: 863

Re: RMD paid after a death to the incorrect person through a savings account with a different named beneficiary

The bank is not going to do anything, they did what they were last told to do. As long as they do not continue to make those deposits after being notified they are an innocent party. The estranged wife is liable, she accepted the distribution knowing that she was not entitled to it. You could send h...
by N1CKV
Fri May 27, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Circular Saw
Replies: 18
Views: 703

Re: Circular Saw

For my basic homeowner projects I use a cheap SKIL brand saw. The only time I had problems with it was when I didn't pay attention to my blade and I needed to change it out. After changing out the blade it went from binding up to cutting through the same material like a hot knife in butter.
by N1CKV
Thu May 26, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 56
Views: 3449

Re: Advice on Mom's Fence / Neighbor

Whelp, turns out she decided she wants to have the hedges removed and wants to plant some shorter grassy type plants along her her fence, which the neighbor has already said he plans on giving her the "nice" side. Problem solved. Problem added: me and my brother will be removing huge hedg...
by N1CKV
Thu May 26, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Geico or State Farm - auto insurance
Replies: 19
Views: 1568

Re: Geico or State Farm - auto insurance

I bounce between insurers every few years. The last time was when I was combining my vehicle with my (then soon to be) now wife. Progressive basically said $600 for her vehicle, $600 for your's - for a 6 month policy. I quoted Geico and it came back as $600 total for both for 6 months. Literally twi...
by N1CKV
Tue May 24, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of renting Florida place for a month
Replies: 15
Views: 1512

Re: Cost of renting Florida place for a month

I have never rented for that long, but we do visit the Alabama and Florida Gulf Coast often. We never stay in hotels, always opting for condo rentals. My wife handles the arrangements but I know it is always rented by owner. Renting a condo will give you essentially a furnished apartment vs. a hotel...
by N1CKV
Tue May 24, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2350

Re: Still double checking bank checkbook math?

I keep my checkbook on an Excel spreadsheet and generally double check. The bank does not seem to make mistakes though from time to time I do (forgetting to enter data). Me too. I use cell colors to indicate completed transactions and reconciled balance. Now that transactions (check charges and dep...
by N1CKV
Tue May 24, 2016 7:38 am
Forum: Personal Finance (Not Investing)
Topic: car totaled, is insurance offer fair?
Replies: 4
Views: 665

Re: car totaled, is insurance offer fair?

Being in Australia your laws may be drastically different then mine but.... I have seen where offers were fair to not so fair. The amount the insurance company pays should be enough to purchase the same model car within 1-2 years age difference (plus or minus) with similar miles, in similar conditio...
by N1CKV
Fri May 20, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Pay off car or save/invest that money
Replies: 14
Views: 1041

Re: Pay off car or save/invest that money

With today's savings interest rates (guaranteed return) of about 1%, unless you car loan is a lower rate then pay it off.
by N1CKV
Wed May 18, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1772

Re: garden hose

I have rubber hose that is 11 years old. It is made by Goodyear. Just recently the end near the bib developed a leak, I need to replace the end I guess. The house never kinks. Craftsman also makes rubber hoses, I believe they are the same Goodyear material, just rebranded. Stay away from the cheap h...
by N1CKV
Wed May 18, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 3741

Re: Did your children ever completely move out?

I have not lived in my parent's house for 18 years. I took most of my stuff. I left a lot of stuff until I had purchased my first home. Everything they have that is mine is still in my old bedroom closet, mostly a vast collection of baseball cards now probably worthless compared to their value back ...
by N1CKV
Mon May 16, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Air Filters in a rental house
Replies: 8
Views: 561

Re: Air Filters in a rental house

I have never rented a house, but I have rented several apartments. In apartments the landlord always came periodically and changed the filter, or at least I assumed they did, I never did it. As mentioned earlier: an air filter can be too restrictive and actually strain your system causing it to be i...
by N1CKV
Fri May 13, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 1457

Re: Quality; shower hardware where to find it?

Find a bathroom supply store with a nice showroom. Find one that at the least has a few of the names mentioned above. There's no substitute for seeing things in person and also touching them, especially to avoid that cheap feeling that isn't visible in photos. Once there, find a sales rep (yes, the...
by N1CKV
Thu May 12, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Low flow shower head?
Replies: 41
Views: 5289

Re: Low flow shower head?

Of the two models mentioned by the original poster:
the $35 model is going to be a solid brass body. Very sturdy and should last a lifetime.
the $8 model is chrome plated plastic. It will work find if you never touch it, but if people are constantly adjusting it don't count on longevity.
by N1CKV
Thu May 12, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 4341

Re: One Week "Sabbatical"

If you want to fish then think about on the gulf coast. I live in south Louisiana and I have plenty of opportunity for both fresh and saltwater fishing, there is no comparison when you go on a charter to the deep blue water in the gulf. World class fishing. You can get it anywhere on the gulf coast,...
by N1CKV
Wed May 11, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4165

Re: Keep Twins in Same Class for Kindergarten?

I am a twin (boy/girl). My memory isn't the best from back then, I'm 36 years old. Keep in mind that you are talking about siblings that just happen to be born at the same time. Nothing more. From what I know growing up as a twin being separate was best. You do not want a teacher having bias/ expect...
by N1CKV
Tue May 10, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Carmax accident report
Replies: 11
Views: 754

Re: Carmax accident report

Inspect the car for damage. If you can't identify that there was any damage when inspecting and knowing that there was damage in that area then it was likely repaired correctly and not an issue. I was recently in a collision in my full sized truck vs. a Toyota Corolla (merged on me). My damage was ...
by N1CKV
Tue May 10, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Carmax accident report
Replies: 11
Views: 754

Re: Carmax accident report

Inspect the car for damage. If you can't identify that there was any damage when inspecting and knowing that there was damage in that area then it was likely repaired correctly and not an issue. I was recently in a collision in my full sized truck vs. a Toyota Corolla (merged on me). My damage was t...
by N1CKV
Mon May 09, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Drill chuck only accepts 1/4" hex bits
Replies: 17
Views: 1165

Re: Drill chuck only accepts 1/4" hex bits

For general drill uses I would not keep it. If you plan to use it more as a driver then it would do those duties fine.

For a cordless drill with a true chuck I use a 18v Dewalt with Lithium Ion batteries and I couldn't be happier.
by N1CKV
Mon May 09, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Stop spam phone calls to cell phone?
Replies: 18
Views: 1812

Re: Stop spam phone calls to cell phone?

As others have mentioned, I have Mr. Number on my Android device to weed out the spam callers.
by N1CKV
Wed May 04, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 3190

Re: Almost perfect credit score (FICO from Amex)

For a point of reference, at one time mine was showing 850 on AMEX, I think in the beginning of the year. My AMEX score is saying I was 849 in March, but now is 832. The changes since then that I can think of are: New Chase Freedom Unlimited (for bonus signup cash) New Goodyear store credit card (fr...
by N1CKV
Mon May 02, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Roof replacement and insurance coverage for hail damage
Replies: 30
Views: 1639

Re: Roof replacement and insurance coverage for hail damage

I had my roof replaced by insurance after a particularly rough hail storm last year. I learned quite a bit about the process. You should start with your insurance company, let the adjuster come out and tell you what he thinks. If he agrees to a replacement then contact a roofer for an estimate. The ...
by N1CKV
Wed Apr 27, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: fairly new router keeps checking out, get a new one?
Replies: 22
Views: 1553

Re: fairly new router keeps checking out, get a new one?

If you did not change the original user name and password try: Username: admin Password: *blank* or Username: admin Password: admin Either way, I had a Belkin Router that was doing something similar, I didn't bother with the firmware, I just went out and bought a new router because it was not 5 ghz ...
by N1CKV
Tue Apr 26, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Government vs Private sector employment
Replies: 32
Views: 2275

Re: Government vs Private sector employment

I work for local government. I won't go in to details, but I can assure you that at least the last two times pay rates were examined there was a Total Compensation Study commissioned by the governing body to guide any changes. This means they included the value of all of the benefits received in add...
by N1CKV
Tue Apr 26, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: Damaged iPhone 5S
Replies: 13
Views: 918

Re: Damaged iPhone 5S

1. Find the local iPhone repair place. There are plenty of small businesses that can likely fix your iPhone for cheaper than a replacement. 2. Since you have a bad habit of breaking/ destroying phones you should invest in a quality phone case that will offer protection, something like an Otterbox De...
by N1CKV
Tue Apr 26, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1949

Re: Holes in the heels of black dress socks

Give Thorlo dress socks a try. I have a lot of casual Thorlos and they never wear out. Eventually they look a little washed out, but I never got a hole. I tried a pair of Thorlo black "hiking" socks on a promotion. The socks fell apart after the first wash. They didn't think that through ...
by N1CKV
Tue Apr 26, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2352

Re: CVT car transmissions

My experiences: -Co-worker had one in his Nissan Sentra. It started to give out at about 5 years old and essentially was going to total out the car, he traded it in while it still moved under it's own power. -Wife had a 2003 Audi A6 with a CVT, drove great. No shifting took some getting used to, but...
by N1CKV
Mon Apr 25, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally or Capital One MM
Replies: 7
Views: 728

Re: Ally or Capital One MM

Ally has the same rate for a SAVINGS account as the CO360 MM. The CO360 MM only pays that rate on deposits over $10K.
by N1CKV
Fri Apr 22, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Lifted Shingles on a New Home
Replies: 8
Views: 1147

Re: Lifted Shingles on a New Home

Your new home warranty should cover the problem. If your builder considers your concern, performs and inspection and is able to provide written documentation attesting to the roof not having problems you should have him and your insurer discuss the issue and if no resolution is found bring that info...
by N1CKV
Thu Apr 21, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9307

Re: Cannot Pay Huge Tax Burden

If the debt can't be discharged, here's a very common series of events Debtor defaults Creditor obtains money judgment Debtor still doesn't pay Creditor files show cause motion Debtor is held in contempt Bench warrant is issued Debtor is arrested during next traffic stop, etc It seems hard to belie...
by N1CKV
Wed Apr 20, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 213
Views: 21024

Re: Soapbox (car safety features)

While I have not driven with most of these safety features, I don't like the directions things are headed. I find blind spot warning to be distracting, which is the exact opposite of its intent. I think the majority of these things will lead to more inattentive drivers because people will be relyin...
by N1CKV
Wed Apr 20, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 3538

Re: Want to buy a home safe - advice?

I have a Cannon "12/24" firearm safe. It is loaded with documents and other valuables. It is large and heavy enough (especially loaded) that it is not going anywhere quickly. It comes with a bunch of shelves that are adjustable making it very versatile for storing a variety of things. My w...
by N1CKV
Wed Apr 20, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 6875

Re: Toyota Tacoma owners?

I looked hard at the Tacoma back in 2003. I really liked them until I sat in the driver seat. I realized that I was only comfortable with the seat as far back as it would go (4 door cab) and that made the backseat unusable. Adding to that, it was only a V6 with insufficient abysmal tow ratings for m...
by N1CKV
Tue Apr 19, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5743

Re: HELP! HR Doesn't Believe in Index Funds for 401k

" It does not believe that the lowest cost fund is always the best alternative....passive funds with the cheapest fees are not necessarily the funds that are likely to provide our employees with the most favorable returns." I would respond this way: "Thank you for your views on inves...
by N1CKV
Mon Apr 18, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2937

Re: Progressive or Geico?

State Farm reminds me of the insurance version of Edward Jones in the investment world. You get the friendly face and full service from a local office, and you really pay for it in the end. I was with Progressive and I have had claims with them processed before and they were very easy to deal with o...
by N1CKV
Mon Apr 18, 2016 7:04 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4814

Re: How Did You File Your Income Taxes for 2015?

In the end I used Free Tax USA and I e-filed my Federal, then used my state's website to file state because it is a free option. In the past I have used H&R Block and Tax Act, but as they eliminated or I outgrew the free options I have moved along. I keep a spreadsheet to project and monitor my ...
by N1CKV
Fri Apr 15, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2695

Re: Security features of a good front door

If you are that concerned then consider a new front door attached to a house in a different neighborhood.
by N1CKV
Tue Apr 12, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: American Express Discontinuing Benefit Offers?
Replies: 4
Views: 1059

Re: American Express Discontinuing Benefit Offers?

I just used an offer from AMEX two weeks ago for Advance Auto, saved me a few bucks on components to replace brake parts on my wife's car.

I know I haven't seen a "spend $XX at this gas station, get this much credited" offer in a while, those were always nice.
by N1CKV
Mon Apr 11, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Are any OTC drugs and vitamins U.S.P.-labelled any more?
Replies: 34
Views: 1336

Re: The vanishing of USP drugs?

I notice in the pictured examples provided above by the original poster that the drugs without the USP declaration are "coated". Is the coating perhaps throwing off the "purity" of the overall dosage unit, therefore making it not technically in USP specifications? I'm just thinki...
by N1CKV
Mon Apr 11, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Anybody use a Motorola Moto X smartphone?
Replies: 17
Views: 1541

Re: Anybody use a Motorola Moto X smartphone?

My wife has the Moto X Pure and she loves it. It's almost pure Android, at least there is no carrier garbage installed. It runs Android 6.X and gets updates almost as fast as my Nexus 5X (which is pure Android). Sizewise it is slightly bigger than my 5X.
by N1CKV
Mon Apr 11, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: An Update on my condition - dementia is not fun
Replies: 19
Views: 5035

Re: An Update on my condition - dementia is not fun

That device's function could be set up on a cell phone or other device with a calendar as a recurring daily event (or multiple events twice a day). Just another option available. Playing off of that, you could also use a smart watch that will show the calendar notifications, that way within bluetoo...
by N1CKV
Mon Apr 11, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Transition Insurance (Baby on the way)
Replies: 7
Views: 447

Re: Best Way to Transition Insurance (Baby on the way)

You state that your current insurance is not self pay, so I am assuming it is employer provided. Typically these policies qualify you for COBRA coverage. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires most employers with group health plans to offer employees the opportun...
by N1CKV
Fri Apr 08, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1770

Re: Apple letting you hide the stock app

Well put. For me, I've always hated that control, and out right rejected them when it came to mobile devices because of iTunes, and their concept of DRM. And N1CKV: your description is very different from most people's android experience. Most phone vendors and carriers load the phones up with all ...
by N1CKV
Fri Apr 08, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs. HDHP/HSA Spreadsheet
Replies: 9
Views: 643

Re: PPO vs. HDHP/HSA Spreadsheet

All plans are different, the ones you presented are very different from my choices. One thing I think you may have missed is drugs. On my HDHP plan, drugs are counted towards my deductible, the PPO pays a flat Tier rate (not a percent). That may vary, I don't know but thought I would mention it. Dru...
by N1CKV
Fri Apr 08, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Possible Move to Manhattan....
Replies: 20
Views: 1710

Re: Possible Move to Manhattan....

That sounds like the most miserable form of existence I could imagine.
by N1CKV
Fri Apr 08, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1770

Re: Apple letting you hide the stock app

Android has been doing this for many years. I thought the expensive and fancy iPhone was supposed to be "cutting edge"? :confused
by N1CKV
Thu Apr 07, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: I can retire right??
Replies: 14
Views: 2041

Re: I can retire right??

My wife passed away 10 years ago and at the time of her passing was a government employee . I receive what would have been 75% of her pension with COLA along with access to her very good health plan which costs me $1,100 out of pocket per year. The cost of the plan has remained basically unchanged ...
by N1CKV
Wed Apr 06, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: What is the expense ratio of this fund ?
Replies: 4
Views: 467

Re: What is the expense ratio of this fund ?

The management fee IS imposed by the provider. My HSA investments work the same way. There is two investment options, one is active funds with high expense ratios, not mgmt fees, the other is low cost broad index funds, but come with an additional mgmt fee attached. The provider gets a cut of the ex...
by N1CKV
Wed Apr 06, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Trying to get a copy of a $20 receipt
Replies: 16
Views: 2081

Re: Trying to get a copy of a $20 receipt

When I recently changed doctors I was given a packet of information. One of the forms was a form that allowed me to list people who they could share my healthcare information with. I didn't list anyone, but seeing your situation I should have listed my wife. If I remember correct the form was one cr...
by N1CKV
Wed Apr 06, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Buying a car off lease?
Replies: 6
Views: 777

Re: Buying a car off lease?

Depending on how your state handles sales tax on vehicles it may be cheaper to arrange ahead of time for the dealer to handle the transaction. By transferring the vehicle to the neighbor first you are creating a taxable event, then transferring it to you which is another taxable event. If the dealer...

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