Search found 1864 matches

by SimonJester
Thu May 23, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 18
Views: 2812

Re: Are you missing a $15,000 payment from CRB FREEDOM?

My guess is that it's an error. I've never met a scammer willing to put up $15k in "real" money (I'm assuming it is real in the sense that your bank would let you withdraw it if you asked) to a mark. But maybe I'm the sucker born today. In any event, seems best to let it sit while your bank does th...
by SimonJester
Wed May 22, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 1745

Re: Chiminea, fire pit or nothing?

We have an aluminum Chiminea from a supplier mentioned in this thread. Compared to a fire pit the Chiminea does not provide much heat at all and only one or two people can really sit in front of it at a time. The advantage is of course the smoke goes up the chimney and not into your face. I imagine ...
by SimonJester
Wed May 22, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Tax Form 5498 How long to keep it?
Replies: 4
Views: 381

Tax Form 5498 How long to keep it?

How long do you need to keep this form for? Same as tax returns, or could you need it years down the road when you begin withdrawing from the Roth IRA?
by SimonJester
Wed May 22, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Getting Ready for Windows 10
Replies: 28
Views: 1916

Re: Getting Ready for Windows 10

I would lean toward just adapting to the UI changes in Windows 10 and being done with a small learning curve. BUT you might find this cheap $4.99 tool helpful - makes the StartMenu work like Windows 7 https://www.stardock.com/products/start10/ 30 day free trial, clean uninstall I found older "Start...
by SimonJester
Fri May 17, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 17
Views: 1533

Re: Usefullness of 2 in 1 laptops?

I got my oldest a 2 in 1 for college. He reported back after a year of use, he did not use the stylus to take notes nor did he type his notes. He is in the camp that writing down notes commits the information better to his memory. He found the stylus to be slower then traditional pen and paper. The ...
by SimonJester
Wed May 15, 2019 12:55 pm
Forum: Personal Investments
Topic: Sell I-Bond just to re Buy at fixed interest?
Replies: 5
Views: 367

Sell I-Bond just to re Buy at fixed interest?

Assuming you have an I-Bond with a 0% fixed interest, already earning the 1.40% annualized rate, does it make any sense to sell just to re buy at the current fixed rate? This assumes you dont need the cash for 12to 60 months and you have already held the bond for 5 years. Also assumes you have the a...
by SimonJester
Wed May 15, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: What is this collection device?
Replies: 12
Views: 1929

Re: What is this collection device?

iamlucky13 wrote:
Wed May 15, 2019 1:45 am
It's got all the signs of publicly funded art:

- No discernible purpose
- Conflict between form and medium - a means of figurative abstraction or some other art critic-like buzz words
- Most importantly, unattractive to look at
This gave me a good chuckle...
by SimonJester
Tue May 14, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 23
Views: 1754

Re: Home warranty - is it worth the money?

They are by far Worthless... Take the money you are going to spend on that warranty and put it into a savings account...
by SimonJester
Tue May 14, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4244

Re: Worth Fighting a Speeding Ticket?

This varies so much between jurisdictions... In my city when going to court, you arrive along with 50 or so other folks that all received traffic citations... You are given a plea agreement from DA, who take in account your driving record and usually reduces the violation. You then can accept the pl...
by SimonJester
Mon May 13, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 1950

Re: Computer issues, fix vs replace

Here is something else you can try, in windows create a new local account (skip the Microsoft account part), log out of your current account and log into the new account and see if the issue continues. This will prove out if your issue is with your local account profile or not. If it does not happen...
by SimonJester
Fri May 10, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Home Safe...Looking for advice
Replies: 19
Views: 2404

Re: Home Safe...Looking for advice

Another things people often overlook when selecting safes, when you have a house fire there is a LOT of water put into your house. Your fireproof safe also needs to be water proof as well. If the house burns long enough, the safe will melt, we saw this when a forest fire ran into town and burned hun...
by SimonJester
Thu May 09, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Possible to use 529 plans for education travel in retirement?
Replies: 4
Views: 769

Re: Possible to use 529 plans for education travel in retirement?

Travel expenses are not eligible expenses today so I doubt any school is going to target retirees extra 529 monies. You also have to be enrolled at least 1/2 time so taking a single course does not count for room & board... Here is what is allowed per IRS Pub 970: These are expenses related to enrol...
by SimonJester
Wed May 08, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Insurance Claim Question
Replies: 5
Views: 375

Re: Insurance Claim Question

My suggestion would have been to be explicit that you would consider paying any damages out of pocket and to not notify the insurance company unless you couldn't come to an agreement. The thing is at the end of the day this is not your choice. The person you hit might agree to that but they have ev...
by SimonJester
Tue May 07, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: College Savings Optionality: I Bonds and 529s
Replies: 5
Views: 356

Re: College Savings Optionality: I Bonds and 529s

So, my thought is basically to cover college costs using a mixture of the following: 1. 529 accounts 2. I Bonds (if below the income limits) 3. Cash flow from income (if above the I Bonds income limits) Thoughts? I am using all three of these as well with now two kids in College. Right now its good...
by SimonJester
Tue May 07, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Aligning Insurance and Umbrella Limits
Replies: 16
Views: 1011

Re: Aligning Insurance and Umbrella Limits

They won't' overlap. The insurer sets a minimum for other policies (home, auto) and the umbrella picks up after that. They are different insurers. I can't see how they don't overlap. If I have a $500,000 claim, my primary insurer will cover it currently even though I am paying for umbrella starting...
by SimonJester
Mon May 06, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: College credit for HS courses or not?
Replies: 49
Views: 2110

Re: College credit for HS courses or not?

Bot kids have done this... The Oldest with AP credits, the youngest with direct College credits from several HS classes. The oldest had said while the AP credits counted towards credits and allowed him to skip ahead to the next class, he did feel well prepared for the more advanced class. He said he...
by SimonJester
Mon May 06, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 129
Views: 9388

Re: Quicken 2019 and forward

J G Bankerton wrote:
Mon May 06, 2019 7:33 am
Does anyone get Citi, Chase or Wells Fargo to download with "web connect"? I have Quicken 2017 and have to manually import from those three.
I have no issues with Chase (Web connect) in 2017 or 2019, I have had hit or miss issues with Wells Fargo (Web Connect) in 2014, 2017 & 2019.
by SimonJester
Mon May 06, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2076

Re: Quicken 2019 On Sale

Where does your data reside with this subscription service? This is the key question for me, too. I refuse to put my financial data "in the cloud". My Quicken data is on my local PC, you have the option to enable mobile sync which would put some of your data in their "cloud", you can opt out of thi...
by SimonJester
Sun May 05, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2076

Re: Quicken 2019 On Sale

I currently have Quicken Premium 2017. I believe it will expire in April 2020. If I were to purchase Quicken Deluxe 2019 : a) would there be any issue converting to a "less advanced" version b) when would the subscription for the 2019 expire? a) no issues I had 2017 premier and went to 2019 deluxe ...
by SimonJester
Sun May 05, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Withholding for a teenager's summer job
Replies: 10
Views: 765

Re: Withholding for a teenager's summer job

I have both of my teens fill out exempt. I feel there is no good reason to have the IRS hold onto their money for them. Twice now I have had a realitve's refund be delayed, first from ID theft, 2nd time years later because they have to submit an ID verification form and there are complications with ...
by SimonJester
Sat May 04, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2076

Re: Quicken 2019 On Sale

student wrote:
Sat May 04, 2019 8:12 am
I have switched away from quicken once it became a subscription model.
At $1.83 per month Quicken is well worth it for me. I too dislike subscription models for software but this is really inexpensive in the grand scheme of things...
by SimonJester
Sat May 04, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2076

Re: Quicken 2019 On Sale

However, activation codes appear to expire after 24 months "after being generated" (see link and excerpt below). I wonder how long ago the activation code in the box was generated? https://www.quicken.com/support/quicken-subscription-membership-faqs How long can I extend my membership plan? A membe...
by SimonJester
Sat May 04, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1848

Re: How soon to close credit card that was used for churn?

I would keep them until the annual fee is due, then cancel or preferably do a product change to a non fee card.
by SimonJester
Thu May 02, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - success!!!
Replies: 102
Views: 13310

Re: Empty nester downsizing - any advice?

One question for the folks that have done this... How long do you wait after the kids are out of the house?

Youngest graduates High school this month, umm so we have a few more years with then in the house, assuming they actually leave the house after college...
by SimonJester
Thu May 02, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: 1 stage or 2 stage refinance?
Replies: 31
Views: 2079

Re: 1 stage or 2 stage refinance?

Wow, Sell today pull out the 1M from the multi unit property, pay off the 100K CC debt, the 400K student loans. Take the 500K and start over... I think adding a HELOC with a 625 credit score and 1Mil debt is heading towards bankruptcy territory. You may get away with one more deal but I doubt you ca...
by SimonJester
Wed May 01, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8407

Re: My solar investment experience

One item I have not seen mentioned here has anyone had to remove and replace their panels to redo their roof? I have seen some numbers online as high as $6K extra :shock: :shock:

I guess if you have the space there are a number of advantages to a ground mount system...
by SimonJester
Tue Apr 30, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Very Delayed Posthumous Bill
Replies: 17
Views: 3688

Re: Very Delayed Posthumous Bill

First all of this is state specific... Here is my take, if the bill was delivered to the name of the deceased and not estate of deceased, I would file it in the trash can. Once the estate has been closed out by the courts and you discharged as executor / personal representative you no longer have an...
by SimonJester
Tue Apr 30, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 15681

Re: Man’s life savings stolen from hijacked cellphone number

How does something like Google Voice fit into those concerns? I ask because it’s not what I would have thought of as a “telco carrier.” The way Google has GV set up, it's impossible to transfer a number out without already having complete control of your Google account. And for most people if that'...
by SimonJester
Tue Apr 30, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Identity security reccemendations?
Replies: 12
Views: 689

Re: Identity security reccemendations?

Thanks for the tips! Sounds like I need to do this credit freeze ASAP. It will make credit card churning harder. Mine are unfroze for churning but I monitor my credit closely. I dont know it takes like 2 minutes to freeze and un freeze your credit now and its free. Monitoring will only alert you to...
by SimonJester
Tue Apr 30, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 15681

Re: Man’s life savings stolen from hijacked cellphone number

Recently I went to a security conference, one speaker was talking about the numerous security vulnerabilities in the various telco carriers networks. The telco carriers are taking upwards of 25+ years to patch well known security vulnerabilities. Using ANY phone number as your 2nd piece of your 2FA ...
by SimonJester
Mon Apr 29, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Umbrella insurance needed on secondary residence?
Replies: 12
Views: 848

Re: Umbrella insurance needed on secondary residence?

Has anyone ever used their umbrella, or heard of someone that has? I have one because for $180 per year it seems like a "why not" CYA expense. But, I do wonder if it's a foolish purchase every year, and a major cash-grab by insurance companies. In the above skiing example, would it even pay out? So...
by SimonJester
Fri Apr 26, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: very wierd auto insurance premiums...
Replies: 22
Views: 1722

Re: very wierd auto insurance premiums...

Turns out my 6-month premium is a little under $800 now for a big new truck. But here's why I'm hesitant to shop around (but i might): Although I've never had an accident, I got 2 tickets about 1.5 and 1 year ago : (1) rolling through a stop sign (that's a story I should write about in another post...
by SimonJester
Wed Apr 24, 2019 5:08 pm
Forum: Personal Investments
Topic: 529 Asset Allocation: down-shifting to 20/80 too soon?
Replies: 8
Views: 722

Re: 529 Asset Allocation: down-shifting to 20/80 too soon?

I was pretty aggressive in my 529 until kids hit high school, then I slowly moved things to more conservative investments and finally the year they go off to college I moved to more cash. With College you sort of bunch the withdrawals up, ie one in August and the next four to five months later in De...
by SimonJester
Wed Apr 24, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 2985

Re: Home Owners Insurance - 40 percent increase

I get that. But if you generate fewer new customers and your old customers die/eventually leave you, what then? Maybe it’s having really good local agents that can sell policies? That's right. State Farm is a high-cost , high-touch company. It's positioned at the opposite end of the spectrum from G...
by SimonJester
Wed Apr 24, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 529 college savings over-funded - how to proceed?
Replies: 31
Views: 1941

Re: 529 college savings over-funded - how to proceed?

In my opinion, that claim is made on collegeconfidential by parents who received need based aid but are too proud to admit that they qualified, so they call it merit aid instead. My oldest son received a Merit based (GPA based) Scholarship to our in state public university. He was REQUIRED to compl...
by SimonJester
Wed Apr 24, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: roll over savings bonds to 529 plans?
Replies: 6
Views: 759

Re: roll over savings bonds to 529 plans?

Another question to add on to this discussion. Lets say in January I make a 4,000 contribution to the 529, can I then wait until December to redeem the savings bonds, thus maximizing their interest for the year and still count that 4K 529 contribution as the savings bonds "rollover"?
by SimonJester
Tue Apr 23, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 2985

Re: Home Owners Insurance - 40 percent increase

If you're shopping your policy every year, you're going to keep getting the new customer quotes. You're going to end up with a company that does not reward loyalty. Every year I also price out the renewal for my current insurance provider. I could care less if my insurance company does not reward l...
by SimonJester
Tue Apr 23, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 2985

Re: Home Owners Insurance - 40 percent increase

Go get quotes form five or six more insurance companies, and include your autos. Choose the one with the best price... Be prepared to repeat this process every six to 12 months.
by SimonJester
Tue Apr 23, 2019 8:46 am
Forum: Personal Investments
Topic: Investing in 529
Replies: 13
Views: 1144

Re: Investing in 529

Its all about time horizons and your tolerance to risk. A 529 account would be contributing for a mush shorter period with a mush shorter withdraw period. Many plans have an aged based allocation model and move towards less risky investments as your child ages. You dont want to be staring at a 50% d...
by SimonJester
Tue Apr 23, 2019 8:34 am
Forum: Personal Investments
Topic: Invest 529 or taxable account?
Replies: 55
Views: 3763

Re: Invest 529 or taxable account?

Most financial aid is disbursed as loans, not scholarships. I don't get why the financial need argument comes up time and time again with 529s. A healthy 529 balance is the exact opposite of being financially needy. The use of the word "aid" is where the confusion lies. Remove that word and instead...
by SimonJester
Sun Apr 21, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2115

Re: What are your 5 favorite tools (hand, power, other)

1) bottle opener
2) cork screw

...

:D
by SimonJester
Fri Apr 19, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Switch auto insurance?
Replies: 18
Views: 1808

Re: Switch auto insurance?

Finally 2, checking rates every year will probably just drive you crazy. If you're going to check rates, maybe do it every 5 years--and discuss what you're doing with your agent--he/she may have some ideas that could save you money (altho when I do this I always end up increasing coverage). To each...
by SimonJester
Wed Apr 17, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2754

Re: Insurance Advice after bicycle accident

I would not be surprised if your medical insurance comes back and files a subrogation claim against the drivers insurance.
by SimonJester
Wed Apr 17, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance
Replies: 8
Views: 650

Re: Home Insurance

I wonder how prevalent this issue actually is...
by SimonJester
Wed Apr 17, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance
Replies: 8
Views: 650

Re: Home Insurance

I have read about this, here is an article explaining the issue:

https://www.insure.com/home-insurance/past-claims.html

Its one reason to only file an insurance claim for larger losses...
by SimonJester
Tue Apr 16, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Payment for an auto accident claim (?)
Replies: 10
Views: 815

Re: Payment for an auto accident claim (?)

In the future, go through your insurance company and let them do what you pay them for. You can do whatever you want, including nothing, and keep the funds. We have done that for grocery cart accidents. In one case, store paid $1,000 and we fixed nothing. Your "thinking" may not be the body shop's ...
by SimonJester
Mon Apr 15, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1612

Re: How to fix jerky images on streaming TV?

The biggest improvement I did with my streaming setup was to connect my streaming device (PS4) to my internet via a wired connection and not WIFI.
by SimonJester
Sun Apr 14, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1424

Re: OnStar Plans: Are they worth the cost?

So a buddy of mine was hunting way out in the back country one day with his newly purchased Chevy trunk containing OnStar. After 8 or so hours he hiked back to his truck to head back to base camp. Well he gets into his truck and tried to start it and nothing, no matter what it would not start. He ha...
by SimonJester
Fri Apr 12, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 2985

Re: Home Owners Insurance - 40 percent increase

I am now keeping a spreadsheet and re quoting home and auto every year. Longevity in the insurance industry is not valued so I see no reason to stay with the same insurer every year. It takes me a few hours to go onto the web sites of each of the major insurers and request a close Apples to Apples q...
by SimonJester
Fri Apr 12, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Funds discovered after probate?
Replies: 13
Views: 1363

Re: Funds discovered after probate?

We have had this with the FIL estate twice now. Both times we were able to send over the previous estate court document showing my wife assigned as the personal rep, along with her ID, and the death certificate, then had the check written out / reissued directly to my wife vs the estate. Re opening ...