Search found 574 matches

by N1CKV
Tue Jul 19, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1482

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: 937

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: 755

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: 1030

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: 3023

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: 2919

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: 4335

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: 73
Views: 4959

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: 3658

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: 1542

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: 28
Views: 2057

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: 484

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: 13
Views: 708

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: 2325

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: 1669

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: 10668

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: 1324

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: 2057

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: 2790

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: 227

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: 2123

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: 1075

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: 833

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: 4181

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: 7653

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: 1951

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: 4344

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: 2179

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: 4311

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: 1340

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: 2721

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: 1578

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: 5901

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: 782

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: 988

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: 1235

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: 1170

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...
by N1CKV
Thu Jun 02, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question about starting in 401k and Divorce
Replies: 18
Views: 1603

Re: Question about starting in 401k and Divorce

All good points. I guess my issue I'm considering is $3,250 now money better kept liquid than $3,250 compounded but that I can touch until 2045! It's more like $2,437.50 ($3,250 now less ~25% marginal tax rate) or $6,500 (now value) to be compounded over 30 years in 2045 and benefits from deferred ...
by N1CKV
Thu Jun 02, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Soy-based rubber, car hoses, and hungry rodents
Replies: 11
Views: 1170

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 was...
by N1CKV
Wed Jun 01, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: New cars.....when do you first detail them?
Replies: 48
Views: 3616

Re: New cars.....when do you first detail them?

I have never paid to have a car detailed. I clean my own vehicles to a degree, but I'm quite lazy with my current vehicle because it always has some mud on it for half of the year (4X4 pickup during hunting season). I try to wash when I know I won't be on dirt roads for a couple of weeks. My truck i...
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: 951

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: 821

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: 57
Views: 4121

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: 1732

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: 1616

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: 2586

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: 687

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: 1125

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: 1945

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...

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