Search found 11 matches

by scophreak
Wed Oct 31, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2359

Re: Highlander or Murano 2018 ..

I did look at Subaru. I wanted 2018 Outback 3.6 R but there was zero rebates. Wanted to briefly touch on this. I don't exactly see what the existence of a rebate has to do with whether or not to consider a certain vehicle. Shouldn't the most important criteria simply be cost/value? Some manufacture...
by scophreak
Fri Oct 19, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8988

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

You don't pay less money. You pay the exact same amount, which is the fixed cost based on an amortization schedule that you agreed to at the time of purchase. The fact that you locked in your cost is the only thing that matters - at the point when you put a contract on your house to buy - Not how y...
by scophreak
Thu Oct 18, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8988

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

Things I appreciate about my mortgage: 2) It provides a hedge against inflation. If we experience inflation my salary and home value should keep up, but my payments will not change. If you pay off your mortgage your future payments will ALSO be unaffected by inflation: they will remain at zero. So,...
by scophreak
Thu Oct 18, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 6005

Re: Best way to complain about Hertz bait-and-switch?

No rental expert, but I never recall reserving a specific make and model car - always was a class or category of car. I think this is the magical "or similar" language. A quick look at the Hertz website does show that one can reserve an Infiniti QX 70 "or similar" (which is listed as category W4) a...
by scophreak
Wed Aug 29, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4295

Re: Bone in my food

I agree with others that this is simply part and parcel of eating meat. The only way to be 100% sure of having a bone-free meal (even if preparing yourself) is to simply not consume flesh in the first place. I think this highlights our complete disconnect as a society as to the actual sources of the...
by scophreak
Fri Oct 27, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Will with guardianship
Replies: 16
Views: 787

Re: Simple Will with guardianship

Not sure about the details of your legal plan. That said, I did exactly the same thing in 2016 through the legal plan offered in our benefits package (Hyatt Legal). In my case, I had no issue with having a will drafted by a plan attorney that included separate provisions for guardianship of 2 young ...
by scophreak
Tue Jun 13, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 5053

Re: Got a parking ticket - what to do?

......... you might call the appropriate authority with the ticket number to say someone moved the ticket you your car just in car the person who actually got the ticket doesn't know. JT Lets see....the OP has written that "I'm pretty sure the ticket was meant for me. The make was correct. The colo...
by scophreak
Fri Apr 07, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care flexible spending account - starting mid-year
Replies: 3
Views: 474

Re: Dependent care flexible spending account - starting mid-year

Nope, at least not with my plan. In my case, expenses incurred prior to joining the plan (though in the same calendar year) were specifically not reimbursed. Perhaps check with your specific plan administrator and/or plan literature, but that is my broad understanding of how these plans generally wo...
by scophreak
Thu Nov 03, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA vs Dependent Care Tax Credit?
Replies: 14
Views: 2205

Re: Dependent Care FSA vs Dependent Care Tax Credit?

Not quite correct. The credit is actually calculated as a percentage (~20-35%) of your expenses (which are capped at $3000/one child, $6000/2+ children), dependent on your AGI. In your example, your credit would actually be 20% of $3000 = $600 credit. Thus, the Dependent Care FSA brings you out ahea...
by scophreak
Wed Feb 24, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Taxed twice on vested shares?
Replies: 9
Views: 1213

Re: Taxed twice on vested shares?

Same situation this year with my RSU award which I sold within days of vesting. Fidelity sent along the 1099-B that would, at first glance, result in double taxation. However, they also included a "supplement" to the 1099-B that indicated the adjusted cost basis of the shares. Once the adjusted cost...
by scophreak
Fri Jan 29, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Wouldnt you recast the mortgage at this stage?
Replies: 19
Views: 2334

Re: Wouldnt you recast the mortgage at this stage?

I may have not explained this clearly in my post so will use some simple figures to exemplify this: Some of the comments above may have misunderstood 'recasting' - recast on mortgage goes solely towards the unpaid principal balance and effectively increases the equity in the house at time of sale. ...