Search found 1250 matches

by SimonJester
Fri Sep 22, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: No down payment for home purchase: what is worst-case scenario?
Replies: 39
Views: 1994

Re: No down payment for home purchase: what is worst-case scenario?

Is there a chance there are NO mortgage options available without some sort of minimum down payment? Will competing offers be more likely to be selected by the sellers? Of course there is a chance you cannot obtain any mortgage without a down payment. We cannot predict the future and have no idea w...
by SimonJester
Fri Sep 22, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5103

Re: Deceased Mother medical bill

oh. yes you're right " she is being sued in civil court". Ok, well then I suppose when the judgement against her goes unpaid it will go to collections. can't get blood from a stone. Don't you cease to be a legal entity upon death? So technically YOU yourself cannot be sued after death. Your estate ...
by SimonJester
Fri Sep 22, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score, Credit Check, and Credit Freeze
Replies: 2
Views: 359

Re: Credit Score, Credit Check, and Credit Freeze

There is a Wiki on this: https://www.bogleheads.org/wiki/Credit_freeze You should be pulling your credit report annually to verify the information is correct. I pull from one agency every three months. https://www.bogleheads.org/wiki/Credit_cards#Credit_report You have a credit card and a mortgage s...
by SimonJester
Thu Sep 21, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5103

Re: Deceased Mother medical bill

She wasn't on Medicaid because she still had assets in her IRA. But since her IRA listed beneficiaries, and has already passed to those beneficiaries, there was nothing to go through probate and nothing for the nursing home to discover and go after. Whether they try to collect from the beneficiarie...
by SimonJester
Tue Sep 19, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary lift for Equifax freeze was free
Replies: 11
Views: 821

Re: Temporary lift for Equifax freeze was free

Same here however when I got to the actual unfreeze part I received an error. However when I went to try again it told me I already had a temporary lift in place. I went ahead and signed up for My Social Security account which is a good thing to do if you are unfreezing equifax.

What a mess...
by SimonJester
Tue Sep 19, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 754

Re: Amazon Prime Card Points Can (and Should?) Pay Off Card

You are not necessarily ahead - it may be a wash. But I don't know for certain. In the case were you take the statement credit - the rewards you earn may be reduced due to the reduction in your statement total . If you charge $500 in a month and take a $5 credit from a prior month - you may only ge...
by SimonJester
Mon Sep 18, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 526

Re: Credit Freeze and Insurance quotes etc.

After reading about the effect on insurance last week, I checked my rates. For three years before I implemented my freeze, my auto rate was the same. After the freeze, it went up $27/year. I contacted my agent, and he said that when they attempt to pull credit and receive a "no hit," it indeed affe...
by SimonJester
Mon Sep 18, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 526

Re: Credit Freeze and Insurance quotes etc.

It has had NO impact on getting insurance quotes. I had had my credit frozen for 10 years, I have been able to get insurance quotes with no issues. They even have shown up as soft pulls WITH credit frozen.
by SimonJester
Sun Sep 17, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: A medical bill to argue?
Replies: 13
Views: 1356

Re: A medical bill to argue?

Outrageous. Considering that many of the docs on this forum insist their profession is a business, what other business is there where one is quoted a price and the business itself charges several multiples of that quoted price for the service rendered without recourse for the consumer? Outrageous, ...
by SimonJester
Sun Sep 17, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 4834

Re: PayPal - Any Disadvantages?

Just had someone hack into my PayPal account, and order a $200 gift card from Toys-R-Us, via my linked Chase credit card. Chase has said they will reimburse the $200. I have not yet heard from PayPal, but I would think it would be on them rather than Chase. The worst thing for me is having to chang...
by SimonJester
Sun Sep 17, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: how to protect against tax fraud w/ equifax breach?
Replies: 6
Views: 882

Re: how to protect against tax fraud w/ equifax breach?

4. If your account has not been hacked, you can only receive a PIN if you are a documented victim of ID theft or you live in certain jurisdictions (e.g., Florida). So should I presume that the equifax breach alone is probably insufficient for purposes of obtaining an IRS pin? Here is what the IRS s...
by SimonJester
Fri Sep 15, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5103

Re: Deceased Mother medical bill

In another thread, the OP said: "I received the paperwork today for my mother's CalSTRS retirement. Each beneficiary (3 total) after all is said and done, will receive approximately $20,000-$30,000 total." Wouldn't the skilled nursing facility have a claim against this money as part of her estate? ...
by SimonJester
Thu Sep 14, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1252

Re: Name Change as a way to Protect Against Identity Theft

david_that_guy wrote:
Thu Sep 14, 2017 10:56 am
To avoid identity theft, I plan to change my name, birth date, social security number, and address every six months.
Don't forget Drivers license, you will need to turn your old one in every six months, then re take the written and driving test for a new number...

Tis but a small price to pay
by SimonJester
Wed Sep 13, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3293

Re: Retirement - Living in Colorado

Isn't that where they turned off all the street lights to save money? They also took away the garbage cans in all the parks. They do these things leading up to a ballot initiative asking for more tax money. I guess they figure if they punish us we will vote to increase our taxes. Sometimes it works...
by SimonJester
Tue Sep 12, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 516

Re: How to handle medical collections on credit?

I would call the hospital explain what happened and see if you can pay them in exchange for the deletion of the ding on your credit report. They sold the debt and wrote it off. It is now the owner of the debts decision. I'm not a lawyer, I don't even play one on the Internet but that is how things ...
by SimonJester
Tue Sep 12, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Beyond Equifax: Dealing with ID theft
Replies: 8
Views: 1007

Re: Beyond Equifax: Dealing with ID theft

I would add to your list of Identity Theft, using you Identity when caught committing a crime. This one is real nasty..
by SimonJester
Tue Sep 12, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 516

Re: How to handle medical collections on credit?

I would call the hospital explain what happened and see if you can pay them in exchange for the deletion of the ding on your credit report. If they will not deal with you anymore because they sold the debt to the collection agency, then call the collection agency and try for the same just make sure ...
by SimonJester
Tue Sep 12, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Nature of fraud (or, what I was afraid of)
Replies: 8
Views: 1670

Re: Nature of fraud (or, what I was afraid of)

Credit card fraud is not really that big of a deal for the end consumer. You dispute the charges and the bank eat it. Its other identity theft / fraud that is a much bigger pain. Think about someone stealing your identity, duplicating IDs etc, then committing crimes and using your ID when caught. Th...
by SimonJester
Tue Sep 12, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4234

Re: What money to store outside for disaster?

Why the need to store the money outside? If your house has collapsed to the point where you could not get to your "money" would you not just take your debit / credit card and goto the nearest hotel? Why would the outside building survive your disaster if your main house does not? So the most likely ...
by SimonJester
Tue Sep 12, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3610

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Ohhh the irony on the IRS web site for obtaining an IP PIN (once you are eligible) : Credit Security Freeze with Equifax If you've placed a credit security freeze with Equifax, you must contact Equifax to have the freeze temporarily removed to allow us to verify your identity. Once you have your IP ...
by SimonJester
Tue Sep 12, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3610

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Given the Equifax fiasco: 1) Am I LESS at risk if I file via snail mail than electronically? I usually file via snail mail anyway. 2) Is it risky to have refund deposited to checking account via ACH Deposit? Or should I have refund sent via snail mail? Thanks. Using snail mail actually increases yo...
by SimonJester
Tue Sep 12, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3882

Re: Electric car in evacuation situation

What was the distance that people evacuated? With roads clogged and gasoline stations shutting down, I wonder if it makes a difference if you have a 200+mile range (Bolt, Tesla) or a 100+ mile range (Rav4-EV) vs gas. Also, Tesla apparently upgraded range wirelessly to help owners evacuate. https://...
by SimonJester
Tue Sep 12, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3480

Re: TrueIdentity from TransUnion - free credit freeze and protection?

I have been using it for several months now. As I understand the difference is that the freeze is regulated by state and federal laws however the lock is not. They both accomplish the same thing that is block access to your credit report. The freeze requires the PIN to unfreeze, the credit lock only...
by SimonJester
Tue Sep 12, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5670

Re: Equifax - credit freeze is now free?

It's not forever. When we're dead the problem will be solved. maybe, maybe not. I could see advantages still taking place after your dead. The criminals could possibly alter accounts to collect life insurance payouts. I expect tax scams to increase in the coming years due to all the new and fresh S...
by SimonJester
Mon Sep 11, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3157

Re: New Mobile Phone number - Now hounded by Collection Agencies

Thank-you for your responses and suggestions. Think we may try to stick it out for a couple months to see if harassing calls reduce, before changing phone number. "Technology is great, until it isn't." - burt burt I would change the number sooner vs later. The longer you have the number the more pe...
by SimonJester
Fri Sep 08, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8412

Re: Protecting moms assets from nursing home expenses

Can anyone describe how medicaid facilities look? Are maintained? How the quality of life is in one? Maybe compare to a private pay facility? I only know that when looking for facilities for a relative some years ago, we went to what were considered nicer, private pay facilities. My wife being the ...
by SimonJester
Wed Sep 06, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5416

Re: What is the main purpose of holding your current job?

Same for me :
1.5 -> I like my job but not so much that I am willing to work for free.
by SimonJester
Wed Sep 06, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23227

Re: Name something you had to have and now you regret purchasing it?

harrington wrote:
Wed Sep 06, 2017 6:50 am
Here's a future regret http://wagonmaster.com
Are you going to get the Antarctic Blue Super Sportswagon with a C.B. radio and The Optional Rally Fun-Pack?
by SimonJester
Tue Sep 05, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3728

Re: Did Charmin UltraSoft TP become "UltraThin"?

We picked up Costco's Kirkland brand TP this last time and we are not impressed. Real thin, not soft, prone to the "brown finger poncho" effect.

I do think we are all rather spoiled here in the first world...
by SimonJester
Tue Sep 05, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Need to Shred Old Checks? Old Credit Cards?
Replies: 18
Views: 1751

Re: Need to Shred Old Checks? Old Credit Cards?

Just wondering tho what someone would do with half a check and half of the account number esp w/ an old cancelled account? I guess I could imagine with a whole check, someone would write a check and try to pass it around and muddy up the check owner's name but don't they do some "checks" when you t...
by SimonJester
Sun Sep 03, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?
Replies: 16
Views: 1085

Re: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?

Technically you can claim whatever you want, did you see the other thread where guy was claiming 10 and now wants to claim 15? The real question is "what should you claim in order to not have a penalty" for most people in the situation you describe that will be 2 to get some refund. If you want to ...
by SimonJester
Fri Sep 01, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: FICO score much improved after 'freeze'
Replies: 5
Views: 618

Re: FICO score much improved after 'freeze'

No freezing has absolutely no effect on your credit score what so ever.

The increase in your score was simply from time passing after your one 60 day late.
by SimonJester
Wed Aug 30, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7184

Re: How much sooner could you retire with NO property taxes?

I paid $830 for a 1850 sq ft house, however we have a 4.63% flat income tax and a 8.25% sales tax. So end up paying one way or another....
by SimonJester
Wed Aug 30, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 3171

Re: How do you know you're not being scammed when buying a house?

And for this reason alone, I plan to always take a mortgage when buying a new home. The added security of knowing that the bank is on the line for the loan outweighs the interest of the loan. I just plan that I'll either pay off the loan in the shortest possible time or have a good reason for not d...
by SimonJester
Wed Aug 30, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: End of month; buying car and need to sell using Craigslist
Replies: 13
Views: 1181

Re: End of month; buying car and need to sell using Craigslist

Get new plates for the new car and keep plates on the old one. That will cost a little more, but it will be difficult to sell a car if a test drive is not possible. Keep both insured as well. THIS!!! I recently purchased a craigslist vehicle where the owner had removed the plates and I did not want...
by SimonJester
Tue Aug 29, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: how to calculate whether to pay off mortgage
Replies: 18
Views: 1698

Re: how to calculate whether to pay off mortgage

Pay it off then divert your mortgage payment into your 401k...
You'll come out ahead on the tax deduction because now 100% of your mortgage payment is not taxed vs the interest portion.
by SimonJester
Tue Aug 29, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: 529 for R&B-Off Campus Housing
Replies: 17
Views: 1400

Re: 529 for R&B-Off Campus Housing

As I understand it you are allowed to pull room and board from the 529 even if you child is still living at home. What sort of documentation do you need to keep for this. I can see this causing all sorts of issues when you file your taxes... As I understand things correctly, you do not report the 10...
by SimonJester
Tue Aug 29, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6031

Re: Bad Idea to Have Zero Credit Cards?

Dave Ramsey dances around this a bit in his book. He states that Visa/MC "Policy" protects you against fraud with your debit card and therefore it is just as safe as a credit card. That may be true, but Federal Law limits your liability with credit card accounts. I don't know about everyone else, b...
by SimonJester
Mon Aug 28, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6031

Re: Bad Idea to Have Zero Credit Cards?

I feel like I can still use a debit card for most things...with maybe a little more hassle. Just be aware just what protections you are giving up when switching over to the debit card. I was debit only with no credit cards for years, then my debit card was compromised. With debit cards the banks ha...
by SimonJester
Sun Aug 27, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Amazon "subscribe and save"
Replies: 20
Views: 1436

Re: Amazon "subscribe and save"

A word of caution on subscribe and save, the price of your item might go up significantly before your next subscription shipment and you will be charged that higher amount. Many people have complained about this on the amazon forums. There are reports of people $10 items jumping to $100 the next mon...
by SimonJester
Wed Aug 23, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Paying for college with 529 money
Replies: 14
Views: 999

Re: Paying for college with 529 money

For example, do you just say, "hey son, we saved up $75,000 for your education. Go wherever you want, but you're on the hook for everything after $75,000". Pretty much this, here is what we have, go pick a school if its going to cost more the x, you need scholarships. No loans... We also have discu...
by SimonJester
Wed Aug 23, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do in 401K when S&P500 Index Fund is the only decent fund?
Replies: 9
Views: 699

What to do in 401K when S&P500 Index Fund is the only decent fund?

Sorry for the Long title, but my wife just joined a new employer and their 401K offering consists of a handful of funds with ERs ranging from 0.74% all the way up to 1.32%. They do have one index fund of the S&P500 that has an ER of 0.11% so I am going to put much of the contributions towards that. ...
by SimonJester
Wed Aug 23, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 31
Views: 2433

Re: Do you have to paint stucco?

I have great respect for plasterers - when I had my house redone the plastering boss suggested I try applying a hawk-full myself. I gave it a go. Luckily he had three guys standing by to quickly fix the horrible mess I made. Ohh yah we did that as kids many times when we would join my father on a j...
by SimonJester
Wed Aug 23, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Anyone use KUBRA EZ-PAY
Replies: 1
Views: 271

Anyone use KUBRA EZ-PAY

My utility company offers KUBRA EZ-PAY for paying my utility bill. Does anyone have any experience with them?
by SimonJester
Tue Aug 22, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 31
Views: 2433

Re: Do you have to paint stucco?

My dad was was a stucco plasterer for 40+ years, earned his master craftsmanship... His rule is never paint stucco as you then have to maintain it from that point on. Stucco should be allowed to breath. He has seen and fixed many EIFS installs over the years and yes much of the problems were due to ...
by SimonJester
Tue Aug 22, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 1637

Re: DirecTV vs. Dish vs. Cable

I have had all three services and have chosen option D) None of the Above We have cut the cable and gone to all streaming via Netflix. Amazon prime and Youtube You might look into these services and see if their content appeals. My biggest gripe about the cable industry is having to purchase hundred...
by SimonJester
Mon Aug 21, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Remodel humor: roof quote
Replies: 6
Views: 1699

Re: Remodel humor: roof quote

The $60k guy was hilarious. And ironically the companies name was "Cal Save"! Um yes they are saving you from having to carry all that extra cash in your wallet. Or saving you from the headache of having pay taxes on the gains from that 60k. Look I will save you twice as much as that company and re...
by SimonJester
Mon Aug 21, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3035

Re: Advantages of Having No Credit Score

It takes about 6 months from the time you pay off your last debt to have no credit score. That's flat-out untrue. While negative credit file entries last 7 years, positive trade lines that have been paid off (like a car loan) can remain on your credit file for up to 10 years, providing a positive c...