Search found 36 matches

by garzjoh
Sun Jan 05, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Suing An Airline In Small Claims
Replies: 38
Views: 4906

Re: Suing An Airline In Small Claims

[quote=Rainier post_id=4929743 time=1578075449 user_id=37944] ... My plane was delayed by 20 hours due to mechanical failure. ... [/quote] Haven't seen it posted yet. The key first step is to always get the details including reason for the delay documented. I don't have any experience fighting with ...
by garzjoh
Mon Sep 16, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7369

Re: Do you trust Microsoft updating your Windows 7 machine?

[quote=cheese_breath post_id=4751397 time=1568642522 user_id=29911] [quote=garzjoh post_id=4750942 time=1568599349 user_id=27945] Fun fact. You may still be able to install Windows 10 for free. Download the install files from Microsoft and use your windows 7 key when prompted.... [/quote] Is that th...
by garzjoh
Sun Sep 15, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7369

Re: Do you trust Microsoft updating your Windows 7 machine?

Fun fact. You may still be able to install Windows 10 for free. Download the install files from Microsoft and use your windows 7 key when prompted. With few exceptions, windows 10 will still activate using it. Unless it's a retail key, it may become locked to the computer that you activate the key on.
by garzjoh
Tue Aug 06, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 3540

Re: How many Years of Medical History/Records should a Patient Save?

Due to liability for data breaches, there will always be pressure to purge old data. You never know when your 'old' data will be purged. That said, in addition to lab results, I tell people to ask for and save DVDs of any pictures (MRI, x-ray, CT, PET, ...). Not the reports, but the actual images. E...
by garzjoh
Sat Aug 03, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Older used car with low miles or newer used car with higher miles
Replies: 37
Views: 2725

Re: Older used car with low miles or newer used car with higher miles

My preference is older vehicles with low mileage, no accidents, single owner, no corrosion, and a high production model with history of low cost maintenance. The other caveat with getting an older vehicle is you need to stay on top of maintenance issues. They are generally very cheap to address for ...
by garzjoh
Fri Aug 02, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2440

Re: Costa Rica travel

I have never been able to beat the exchange rate I get from the atm using the Schwab Investor Checking (free, unlimited ATM fee reimbursement worldwide). Chase Sapphire Reserve was very close and preferred for security reasons (safer than carrying a pile of cash). If a merchant attempts to charge yo...
by garzjoh
Thu Aug 01, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: any numismatists (coin collectors) out there?
Replies: 22
Views: 2837

Re: any numismatists (coin collectors) out there?

Coinstudy.com is an easy to use resource that is pretty comprehensive with values that are representative of what you could sell a coin for (dealers will always offer more or less based on their inventory and needs).
by garzjoh
Tue Jul 30, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2440

Re: Costa Rica travel

Vulcan Arenal is dead and hasn't really been active for many years. Most of the resorts around arenal/fortuna area pump the hot water in from the springs, so you are just swimming in man made hot tubs. It's free to swim in the actual hot River, but not easy to get to if you don't have a car. Monteve...
by garzjoh
Mon Jul 29, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 22414

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Can't believe I never noticed this thread before. For me it's Bogota Colombia. Been going there for twenty years and it keeps getting better. Fruits/vegetables are always fresh and delicious. Beef is grass fed and usually butchered within a day prior to eating. Juices are made fresh to order. It's a...
by garzjoh
Sun Jul 28, 2019 4:58 pm
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3967

Re: User hostility when transferring brokerage accounts

If financial institutions want to push electronic statements/notices with claims such as access to seven years worth of records, then they should be required to continue providing that access for the promised period of time. Some institutions are so aggressive, you have to decline the option at ever...
by garzjoh
Mon Feb 04, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sec 199A business tax deduction
Replies: 46
Views: 3602

Re: Sec 199A business tax deduction

[quote=theplayer11 post_id=4361951 time=1549311205 user_id=55298] [quote=garzjoh post_id=4361909 time=1549310043 user_id=27945] Sucks to be me. Looks like FreeTaxUSA didn't handle my deduction correctly and in my haste, I already submitted our tax return. As our S-Corp is a "Specified Service T...
by garzjoh
Mon Feb 04, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Sec 199A business tax deduction
Replies: 46
Views: 3602

Re: Sec 199A business tax deduction

Sucks to be me. Looks like FreeTaxUSA didn't handle my deduction correctly and in my haste, I already submitted our tax return. As our S-Corp is a "Specified Service Trade", there is no code on the Schedule K-1 Line 17 for Qualified Business Income. But per 1040 instructions for Line 9, &q...
by garzjoh
Thu Oct 04, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2503

Re: Dentist bill came 4-5 months later, is this unreasonable?

Finally something I know a lot about. Answers in no particular order. The 90 days past due is probably a calculated field in their billing software and nothing to complain about unless they ask for late fees or refer to a collection agency. Some insurance companies are notorious for delaying payment...
by garzjoh
Tue Sep 25, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Is there any point to keeping old X-rays?
Replies: 8
Views: 1153

Re: Is there any point to keeping old X-rays?

Generally speaking, I save all 'pictures' (e.g x-rays, MRI, cat, pet, ...). I also only go to places that provide digital copies too.

Every picture is a baseline that could speed up future diagnosis when trying to rule out benign anomalies.

For what little space it takes up, I would save them all.
by garzjoh
Sun Mar 18, 2018 12:52 pm
Forum: Personal Investments
Topic: Investment in HSA, how to use for medical expenses?
Replies: 5
Views: 486

Re: Investment in HSA, how to use for medical expenses?

I treat my HSA as retirement savings, but keep a folder with PDFs of any medical bills including the EOB and proof of payment. Even if you don't withdraw it now, you can withdraw it later.
by garzjoh
Sat Mar 17, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA (Health Savings Account) deposit?
Replies: 4
Views: 490

Re: HSA (Health Savings Account) deposit?

Before closing anything, review your options. My employer offers a crappy HSA provider, but I keep it in order to get the pre-tax contributions and the free employer funds. But once a year I do a trustee to trustee rollover to a better HSA provider with cheap access to Vanguard funds. You may not be...
by garzjoh
Fri Feb 23, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty Paid by the Seller
Replies: 17
Views: 1788

Re: Home Warranty Paid by the Seller

When we bought our house, the seller's realtor threw in an American Home Shield warranty to help close the deal.

We used it twice in the first year and still feel like we lost money due to the time lost and 'limited' options for service/replacements.
by garzjoh
Tue Feb 13, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 5643

Re: Going Paperless Issues

Sorry for cryptic comments while typing on phone. I'm not sure I understand equating electronic statements to electronic bill payments? The concepts are exclusive of each other. Everyone should pay electronically regardless of statement delivery method. It is the best protection against late fees an...
by garzjoh
Tue Feb 13, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 5643

Re: Going Paperless Issues

Many years ago, I switched most accounts to electronic only. I do most of my bills late at night. Twice I had a system "down for maintenance" and I couldn't get anything that night. Then, I closed an account and they immediately cut off online access leaving no access to historical stateme...
by garzjoh
Thu Jan 25, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 3206

Re: April in Paris - Your favorites or suggestions?

NAVIGO DÉCOUVERTE
Only about $30 for unlimited metro rides from Monday through Sunday up to zone five including Versailles and both airports.

Tourists can get it just fine.
by garzjoh
Thu Jan 04, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2909

Re: Costa Rica

I'm probably in the minority with some of my opinions, but here goes. Went there for 2 weeks with family a couple years ago. Rented an SUV and had no hotel reservations. We enjoyed our trip, had some real fun, met many interesting people, saw many unique wild animals, saw rare eco systems, and would...
by garzjoh
Sat Dec 09, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 25
Views: 6797

Re: Experiences with Quicken to GNUCash Conversion.

I will second GNUCash. I have never had an issue importing transactions from any bank that I have accounts out. With the Quicken products, once it hits 3 years old, it refuses to import web connect files.
by garzjoh
Mon Nov 06, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 4226

Re: Trade QUICKEN for Spreadsheet

[quote=bogglizer post_id=3603121 time=1509809319 user_id=112025] Try Gnucash. Does 95% of the same stuff, and it's free. [/quote] I will second gnucash. Loads all quicken webconnect files just fine and never sunsets on you (refuse to load file because your license is three years old). I use it for r...
by garzjoh
Tue Oct 24, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 3463

Re: Attempted theft of bank funds via identity theft

I know of Green Dot from the manufactured spending days.

The is a more likely scenario in that maybe the Barclays was intended to be a sink for the traditional eBay/Craigslist scam where they overpay with a counterfeit check and ask for a refund via Western Union.
by garzjoh
Thu Sep 14, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can a tourist open a bank account in the U.S?
Replies: 15
Views: 2861

Re: Can a tourist open a bank account in the U.S?

Just google how to open a non-interest bearing account without social security number. https://www.google.com/search?q=open+a+non+interest+bearing+account+without+a+social+security+number You may find many blogs about people trying to avoid big brother, but the net of it is the same. The key is 'non...
by garzjoh
Mon Sep 04, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: High interest checking or cash back credit cards?
Replies: 9
Views: 1386

Re: High interest checking or cash back credit cards?

[quote=mhalley post_id=3519424 time=1504547693 user_id=4188] I think debit cards are not nearly as safe as cc, so I would never use an account that made me use a debit card. I made my bank take back their fake visa and give me a card that only works in atms. There are plenty of accounts out there, a...
by garzjoh
Mon Aug 28, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Is ProtectMyID or other service worth it?
Replies: 12
Views: 1605

Re: Is ProtectMyID or other service worth it?

personally, I use creditkarma. They are free; pull from Transunion/Equifax and let you refresh it every 7 days; email/text you when there is activity. They are also not shy about telling you how they make money off your information (targeting offers to you when you log in or via email if you agree t...
by garzjoh
Thu Aug 11, 2011 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ohio "reaching out" to former residents who cash
Replies: 34
Views: 5870

So, if I have these wonderful stock options waiting to be redeemed and I moved to Ohio, can I deduct the value that they lost this year against my current year earnings?

Shouldn't it work both ways?
by garzjoh
Wed Jul 27, 2011 4:41 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's
Replies: 123
Views: 18050

I'm a little late to this party, but one thing I do buy at Trader Joe's is Stevia Extract. I find that ½ teaspoon equals about 1 cup of sugar in sweetness. Stevia doesn't breakdown at higher temperatures and is good for baking and coffee. It is a natural extract from an actual plant. I also use it t...
by garzjoh
Mon Jul 25, 2011 9:04 am
Forum: Investing - Theory, News & General
Topic: Bank box Gold coins confiscated from heirs
Replies: 45
Views: 6347

Well, who stole it? What is the proof it was "stolen"? Are you implying that the courts should go by some kind of "innocent until proven guilty" system? :roll: That would be for criminal charges. As far as I know, no one was charged. Rather the government merely seized unlawful ...
by garzjoh
Fri Jul 22, 2011 12:04 am
Forum: Investing - Theory, News & General
Topic: Bank box Gold coins confiscated from heirs
Replies: 45
Views: 6347

I didn't read the article linked, but I am familiar with the coins and their history. The safety deposit box belonged to a jeweler who was already quite famous for mysteriously obtaining 1933 double eagles. The jeweler had more than fifty of these coins confiscated from him several decades ago. He o...
by garzjoh
Tue Jul 05, 2011 9:05 am
Forum: Personal Investments
Topic: Advice on my current Financial Life
Replies: 17
Views: 2580

Before I start a new thread, I wanted to take one last shot at getting feedback. After doing some reading, I have decided on the following course of action (obviously still subject to change). 401(k) $73,970.00 39.34% VIIIX Stock Index VANGUARD INST INDEX FD INST PL (0.02%) ROTH IRA's (Schwab) $16,3...
by garzjoh
Thu Jun 30, 2011 2:02 pm
Forum: Personal Investments
Topic: Advice on my current Financial Life
Replies: 17
Views: 2580

[quote="Bob's not my name"][quote="garzjoh"]I'm comparing Schwab and Vanguard to decide where to open the ROTH IRA's for me and my wife ... I would like to open the ROTH IRA in the next week. for some reason I thought she wasn't eligible to contribute to a Traditional IRA. Now th...
by garzjoh
Thu Jun 30, 2011 9:40 am
Forum: Personal Investments
Topic: Advice on my current Financial Life
Replies: 17
Views: 2580

A couple other things to make sure I didn't forget,

I will pick up a copy of "Bogleheads Guide to Retirement Planning" too.
I will research and list the expense ratios for the investments I have and the investments available to me.
by garzjoh
Thu Jun 30, 2011 9:29 am
Forum: Personal Investments
Topic: Advice on my current Financial Life
Replies: 17
Views: 2580

Thanks for the fast replies. I'm thinking that we have two major tasks here. First is to rebalance our portfolio (it's awkward to use that term as I never thought about it that way before). Second is to update how we automatically allocate savings every month. For the question of why we have so much...
by garzjoh
Wed Jun 29, 2011 5:54 pm
Forum: Personal Investments
Topic: Advice on my current Financial Life
Replies: 17
Views: 2580

Advice on my current Financial Life

Emergency funds = 6 Months of current budget Debt: Mortgage: $128,400 @ 3.625% 5/5 ARM (According to Zillow, House is worth $189,800) School Loans: $5,800 @ 3.0% Tax Filing Status: Married filing Jointly with Dependent Children Tax Rate: 25% Federal 5% IL (Might get pushed into 28% for 2011) Age: 35...