Search found 634 matches

by N1CKV
Wed Aug 16, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Help with mortgage rates-closing soon!
Replies: 11
Views: 870

Re: Help with mortgage rates-closing soon!

A few years ago like you are seeing, I received a much lower rate than I could find "online". The only way to get a firm rate quote is to actually apply. If you are already working with a lender and their rates have dropped you can request to "re-lock" your rate. This is what it sounds like you nego...
by N1CKV
Fri Aug 04, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5595

Re: Anyone else have trouble spending?

You will find a lot of people on Bogleheads that insist that a "Japanese" brand vehcile is more reliable. Ignore that. It is ignorant. My "American" truck just rolled 103k miles and has never left me stranded. It had dual zone a/c issues (stripped actuator motor) early on, but never a mechanical iss...
by N1CKV
Tue Aug 01, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 4149

Re: Finance as a college major?

In general, folks like Business Admin because it's relatively easy. 2. The payscale data I linked is ENTIRELY comparing apples to apples, in that it only compares people with Bachelors degrees who never got any other further degree. If it compares all Philo BAs to Business BAs, it would make Busine...
by N1CKV
Tue Aug 01, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sell inherited investments to pay off mortgage?
Replies: 23
Views: 1993

Re: Sell inherited investments to pay off mortgage?

I'm always curious, though, why being in the property long-term would make a mortgage more or less advantageous. First, plans and circumstances change. Also, a fixed mortgage is basically a negative bond with both an implied put (early payoff) and call (sale). Neither of those factors appear terrib...
by N1CKV
Tue Aug 01, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: what should my parents do with $100k they just received.
Replies: 12
Views: 1718

Re: what should my parents do with $100k they just received.

there is a wiki for that: m On edit: I am not trying to be rude. After re-reading what I typed, I apologize if it came out that way. We have no idea about the entire picture and there is many moving parts and I would hate to lead you wrong. I recommend reading the wiki and formulating a plan, then i...
by N1CKV
Wed Jul 26, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 6754

Re: Post Nuptial agreement guaranteeing alimony?

To calm everyone's worries - declining another job brought this thought up. The offer was at a competing company for a competing position and we felt it was in our best interest for me to decline after my husband's company made it clear that they disapproved of the conflict . His next promotion cou...
by N1CKV
Tue Jul 25, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbours Land
Replies: 30
Views: 2061

Re: Driveway On Neighbours Land

Re: Driveway On Neighbours Land

You are in the United States, the proper spelling is "Neighbor".
by N1CKV
Fri Jul 21, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3053

Re: Commuters (that drive), what do you listen to?

I take advantage of my Amazon Prime account and listen to the Prime Music App, which integrates perfectly through Android Auto within my vehicles head unit. I always listen to music mindlessly so that I can concentrate on driving, there is enough other people on the road concentrating on stuff other...
by N1CKV
Fri Jul 21, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1991

Re: How is U-Haul for getting a trailer hitch?

This thread reminded me that I never added a hitch to my wife's Highlander. I just checked U-Haul rates and it was $224 +tax w/ free shipping, or add $105 for install. Amazon has the Curt brand hitch plus wiring harness for ~$171 w/ free shipping. Rust is not a concern for me in the deep south. I ca...
by N1CKV
Wed Jun 28, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 3879

Re: Getting a new cooktop, gas vs electric?

I prefer gas by a wide margin. That being said, I just put in electric - my house is electric only with no gas even run down my street. I previously had a coil style burner, now a glass cooktop. Your concerns about heating slower are unfounded, it's actually quite the opposite. I find the smooth top...
by N1CKV
Wed Jun 28, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 3397

Re: Do you buy phone outright or pay it off monthly...

I buy my phones unlocked. On iPhone7 the Apple Store had carrier phones or unlocked, same price. The AT&T version did not have CDMA capabilities. The Verizon version did not have GSM capabilities. The unlocked version could work with both. I have been with AT&T for a very long time. They hav...
by N1CKV
Tue Jun 27, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 10
Views: 785

Re: Pet insurance

I don't have health insurance for my two dogs (I do have a homeowner's rider for pet liability). We do have a "Pet Assure" membership that offers substantial discounts. Our Vet takes it, not all do. My dog, a pure bred, has had knee surgeries on both knees (multiple on each). I ran the num...
by N1CKV
Tue Jun 27, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Relative Reluctant to give POA
Replies: 30
Views: 2522

Re: Elderly Relative Reluctant to give POA

I have always had no problems depositing checks with "For Deposit Only" and the account number written in the endorsement - until one time.... (actually twice, two different banks): *Ally bank does NOT allow this type of endorsement. While I have had several checks deposited this way, I ha...
by N1CKV
Mon Jun 26, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Bitcoin in the event of owner death
Replies: 10
Views: 1279

Re: Bitcoin in the event of owner death

Write the keys down. Do not include any information that alluding to the fact of what they actually mean or go to. I could give you a full list of my passwords, but if you don't know what they go to they are useless. Stop overthinking it. I did this with my safe combination. I gave it to an individu...
by N1CKV
Thu Jun 22, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 5017

Re: Did I just get seriously ripped off?? (Car lease)

The fees are all the nonsense dealership costs - freigh/pdi, wax, nitro , etc. I think they wound up reducing the price of the car by $1,000, and writing off a bunch of those fees to the tune of $1,308. So not exactly a 5% reduction, but also something... *If you are paying for some special "s...
by N1CKV
Wed Jun 21, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Tracking towards a million and retiring at 55.
Replies: 38
Views: 5779

Re: Tracking towards a million and retiring at 55.

The rental--is this the condo you want to move back into? The tax implications are a little weird but basically any gain when you go to sale after you have lived there a min of 2 years is averaged out over the whole time you owned the property . Example 100k gain in value you owned it for 10 years,...
by N1CKV
Tue Jun 20, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Around Partner's Student Loans
Replies: 30
Views: 2331

Re: Planning Around Partner's Student Loans

Repay this as a team. If you are committed to her as much as you say you are then you should treat everything equally. Trying to skirt this for some hypothetical outcome 30+ years from now is likely to cause more stress and other issues in the long run than the financial price to pay for what she go...
by N1CKV
Tue Jun 20, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3453

Re: Liability with dogs, hypothetical

Check your homeowner's policy and your umbrella policy. My homeowner's policy specifically excludes coverage for dogs, however they do offer a rider to "buy back" that coverage (which I have). If you do not have that coverage because you failed to purchase it your umbrella may not provide ...
by N1CKV
Mon Jun 19, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Roof Replacement - options
Replies: 6
Views: 896

Re: Roof Replacement - options

You need to carefully read what you signed with the roofer. If that document obligates you to use him you may have a penalty for breaking the contract. Roofers are shady like this, they will hold your hand if you let them, but you pay for it. Never mention insurance to a roofer - that will escalate ...
by N1CKV
Mon Jun 19, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 1347

Re: New Box Spring?

Note that most of what is sold today is NOT a "box spring" - it is a "Foundation". The difference? A foundation is nothing but a box covered in fabric. There is no spring. I built one using 2X4s and cedar fence boards (looks like a pallet when complete). Finish it with a bedskirt...
by N1CKV
Mon Jun 12, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Name Change After Getting Married
Replies: 17
Views: 2089

Re: Name Change After Getting Married

My wife changed almost everything as soon as we returned from our honeymoon. The only thing she didn't change was the title and registration on her car. The car was destroyed a little over a year after we were married which solved that problem. Our insurance company was a little confused, at first t...
by N1CKV
Tue May 16, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 4044

Re: Privacy vs $$$$

For those purposes:
Phone number: (area code) 867-5309
email: me@here.com
Name: I give my Dog's Name
Address: It depends, but my dog has received junk mail before ;-)

My dog gets all kinds of free promotional stuff in the mail, he seem to like signing up for stuff. He also has a MyLowes card.
by N1CKV
Tue Apr 25, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3776

Re: co-worker had a baby chipping in on gift- how much?

If you are feeling generous, give what you see fit. In my workplace we have something called the "Flower Fund". This is composed of strictly employee funds, you pay a membership every year (I think ~$20) and in exchange there is a set benefits list that the fund will pay for according to t...
by N1CKV
Thu Mar 30, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 6295

Re: Few questions to those who switched to Ally Checking

The 0.6% is only available if your balance is over $15k. How much cash do you NEED in checking on a regular basis? I ask because you can get 1.0% in Ally Savings. Transfers between Savings and Checking are instant (or can be scheduled for future dates). You can also set up an automatic overdraft wi...
by N1CKV
Wed Mar 29, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 105
Views: 5578

Re: What's your personal criteria for deciding whether or not to rent a car?

I don't even consider renting a car unless my own vehicle is incapacitated.
by N1CKV
Wed Mar 29, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 6295

Re: Few questions to those who switched to Ally Checking

The 0.6% is only available if your balance is over $15k. How much cash do you NEED in checking on a regular basis? I ask because you can get 1.0% in Ally Savings. Transfers between Savings and Checking are instant (or can be scheduled for future dates). You can also set up an automatic overdraft wit...
by N1CKV
Wed Mar 22, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 7432

Re: Recommended emergency fund for middle class households: $13,800

Ok now just curious? Not enough or wrong kind of insurance to put you in that position. By all means, I'm sure your family suffered and I am sympathetic. Just trying to learn from this board from everyone's experiences. I didn't have 6 figures available, but I did have a very adequate cash reserve ...
by N1CKV
Thu Mar 16, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 19655

Re: How Much in Your Emergency Fund And Is It Used?

Back in August of last year I was sitting on 6 months of emergency funds + a sizable amount dedicated to down payment on my next house. August 13th I the water started to rise, literally. I fled my home in my truck with very little, barely escaping an impending flood. My home was built 2' over the b...
by N1CKV
Fri Mar 10, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 4492

Re: How Do You Share Expenses?

I keep separate finances from my wife also. In my case, she pays me roughly 1/2 of my house note as "rent". I pay regular utilities. She wanted internet and cable so she pays for that. We have a joint credit card that we put all joint expenses on. At the end of every statement cycle I send...
by N1CKV
Thu Mar 09, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Diamond earrings
Replies: 19
Views: 2360

Re: Diamond earrings

Finally, be very careful about buying diamonds in pawn shops, second hand or places you "think you are getting a great deal". If you do, ask if the diamonds come with the GIA certification. That way you know exactly what you are buying. So many customers get bad diamonds (poor clarify, po...
by N1CKV
Tue Mar 07, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Options
Replies: 41
Views: 2445

Re: Pension Options

The Big 4 used to be the Big 5, I'd take the money and run.
by N1CKV
Tue Mar 07, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 4693

Re: Wedding cash gift

Most importantly figure out what your wife really wants. My wife didn't want much so it was easy. We had a small wedding with about 50 people. We spent under $5,000 total on venue, buffet catering, open bar, DJ and photographer. My only regret was not getting a better photographer. We kept it super ...
by N1CKV
Thu Mar 02, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 8861

Re: Tell me about Smart TVs and cutting cable

beware of the following:
1. The cheapest internet rates are not usually available without a "bundle".
2. Most internet services are NOT unlimited unless you have a bundled TV service. Streaming video uses a decent amount of data.
by N1CKV
Mon Feb 27, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3761

Re: Outdoor grill: gas or electric?

The only time I have used an electric was at the beach, on the balcony of a condo where the use of any combustible was forbidden. This was probably my most miserable grilling experience ever. I would never use electric if given a choice. The grill is way too slow and limited to be of much use. The t...
by N1CKV
Sat Feb 18, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: credit card usage / credit score
Replies: 17
Views: 1374

Re: credit card usage / credit score

You would need to make a payment of what the balance is right before it cuts, or at least close to that amount. ... So, if you anticipate the card cutting with a balance of 5,500.00, then make the early payment of $5,400. That will drop the utilization ratio. ... Some issuers offer the option of pa...
by N1CKV
Fri Feb 17, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: credit card usage / credit score
Replies: 17
Views: 1374

Re: credit card usage / credit score

If you pay your balance before the statement is issued , yes, it will reduce your reported utilization. Once the statement is cut, that's the balance reported. You can pay it before the due date to avoid finance charges, but the balance on the statement will be reported (not zero). As we continue t...
by N1CKV
Fri Feb 03, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: When to file income tax
Replies: 12
Views: 1771

Re: When to file income tax

I generally get a refund, so I file as soon as possible. This year I had a massive casualty loss so my refund will be substantial, that motivated me to file before the end of January. If there is any updates to my 1099-XXX forms I can file an amended later, either way it won't be material in nature ...
by N1CKV
Thu Feb 02, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6599

Re: Pet insurance for new puppy

Skip it. This from a pet owner whose dog has had knee repairs on both back legs. Just about everything that would make the insurance worth while is excluded without the "premium plan" and the cost of that would have at best put me ad dead even. Now something that you should consider is a m...
by N1CKV
Fri Jan 27, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Staying with AT&T but getting unlocked phone
Replies: 8
Views: 802

Re: Staying with AT&T but getting unlocked phone

Link above will assist with getting your phone unlocked, just follow the instructions. AT&T stores will give you the new sim and activate it, just walk in and ask. I bought a 5X that was delivered on release date and had no issue. Sync your contacts, pictures and anything else you want to save t...
by N1CKV
Thu Jan 26, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6429

Re: Refusing to sign or altering hospital billing admission forms?

As a physician and a consumer I have ALWAYS advocated voting with your feet. If you don't like the policy take your business elsewhere. BUT what is NOT allowed is to think as the consumer you can alter the flow of a private business. That is NOT your right. Frankly, pretty arrogant of you as well. ...
by N1CKV
Wed Jan 18, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Replacement floor mats for Infiniti M37
Replies: 18
Views: 1426

Re: Replacement floor mats for Infiniti M37

I lived in the Chicago suburbs and, for years, I heard the weathertek radio commercials and assumed they were just a very small local company. If I ever seen floormats mentioned online, there are a ton of people that mention how they have weathertek mats. Honestly, one of the reasons I assumed they...
by N1CKV
Wed Jan 11, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Checking Account by Citibank
Replies: 15
Views: 2530

Re: Denied Checking Account by Citibank

Equifax reports are sometimes used to verify identity, whereas chexsystems is used to verify your check writing "credit worthiness".
You likely gave a piece of information that failed their identification verification protocol and it booted you.
by N1CKV
Wed Dec 28, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 11184

Re: How to get rid of your belly........

I am not an expert, I am not a doctor, I am just an accountant.... ...but I was told by doctor (orthopedic) to lose the extra weight I was carrying around my waist to improve my lower back issues. I was lean my entire life until after college when I started a desk job. I got this under control doing...
by N1CKV
Fri Dec 23, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 4489

Re: Reliable washer/dryer brands

My cheap Hotpoint brand washer and dryer purchased in May 2005 were working great, save for a bearing that was a little noisy on the washer, until my house flooded in August. I had to throw them both out because of 3 ft of water, otherwise I anticipated them lasting a few more years. My replacements...
by N1CKV
Wed Dec 21, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 7356

Re: How do you track your finances?

For tracking accounts/ balances along with other things like Payroll and tax calculations I have a large Google Sheets document. It works great and is available from anywhere (and of course all Google Drive items are encrypted). For tracking budgets/ spending I use Mint.com I just really don't care ...
by N1CKV
Tue Dec 20, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 15721

Re: Cost of dog ownership.

To each his own, though that's more expensive than my dog. You could also add up the cost of a child and make the same claim... I couldn't agree more! My dog costs me more than the OP. He has had both back knees repaired surgically - twice (that's 4 surgeries). He has had a few other issues along t...
by N1CKV
Mon Dec 12, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Cheap alarm for a garage?
Replies: 11
Views: 1667

Re: Cheap alarm for a garage?

define cheap? I just put a Fortress security system (Total Security WIFI version) on my house. Completely wireless except for power to the main panel. It comes with RFID keytags and remote controls for easy disarming. Add an external wireless siren on the outside of the building for extra umph to th...
by N1CKV
Wed Dec 07, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Freetaxusa dot com
Replies: 13
Views: 1453

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: 2827

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: 1795

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.