Search found 1906 matches

by SimonJester
Wed Jul 17, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 65
Views: 3470

Re: Box wine- update and recommendations?

Big House red blend is our goto box
by SimonJester
Mon Jul 15, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 16
Views: 1767

Re: Geico subrogation claim

This scenario is why those who advise not to tell your own insurance company are so misguided. What do you mean? It is clear that informing your own Insurance Company is always the best choice. I would caveat this with the following... If you do not have full coverage on your own vehicle your insur...
by SimonJester
Sun Jul 14, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would Love Some Guidance On An Umbrella Policy
Replies: 28
Views: 1845

Re: Would Love Some Guidance On An Umbrella Policy

My spouse is a physician who also carries malpractice insurance, but I'm wondering if it makes sense to get higher umbrella coverage to protect myself from any malpractice liability since we're married. Also be aware I don't believe umbrella will cover this at all. Every policy I have had excludes ...
by SimonJester
Sun Jul 14, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 16
Views: 1767

Re: Geico subrogation claim

I would just let GEICO pay your claim from uninsured motorists and they can try and recover from the other party. You can also sue in small claims for the rental costs if GEICO doesnt reimburse you for that as well...
by SimonJester
Sat Jul 13, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2239

Re: Want a 2 in 1 laptop

Bot kids got HP Spectre X360s 13" For college, they have worked very well.
by SimonJester
Wed Jul 10, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2335

Re: Grill Mat

Why is this better than aluminum foil? Aluminum foil rips when you try to flip a burger, fish, veggies, etc. The grill mats do not. I get them from Costco and wash them in the dishwasher. Use them 1-2x a week. Makes grilling super easy when clean up is quick. Also the grill mats have little holes t...
by SimonJester
Tue Jul 09, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2335

Re: Grill Mat

I have a set as well, great for vegis and other stuff that falls through the grill grates. Not so good for leaving grill marks on food. Their use is actually more cleanup not less. Without grill mats cleanup is letting the grill burn off any food and using a grill brush. With the mats you must allow...
by SimonJester
Mon Jul 08, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 97
Views: 18071

Re: Best cash-back credit card right now?

We only have one Costco membership, and all three of us are on it. But as I understand it you can only have two cards issued. This is a pain point for gas as it proves difficult for the kids to gas up the car at Costco without first getting my membership card.... Never been asked to show my Costco ...
by SimonJester
Sun Jul 07, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Any Reason not to Go 100% Roth 401K?
Replies: 17
Views: 2232

Re: Any Reason not to Go 100% Roth 401K?

My advice is to diversify your tax shelters as well, who known what the future holds. You could be at 0% tax bracket in the future or 60%, So do both... Max your Roth IRA and your 401k!
by SimonJester
Sun Jul 07, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Home loan questions (how much down, points)
Replies: 9
Views: 548

Re: Home loan questions (how much down, points)

OP, California is a non-recourse loan state. Put 20% down on a 30 years fixed rate mortgage. Use the rest of the money to pay off the car loans if you want less debt. << to pay it off in the next 20 years. >> Unless you have no kids and you do not plan to pay for your kids' college education, why i...
by SimonJester
Sun Jul 07, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 97
Views: 18071

Re: Best cash-back credit card right now?

LilyFleur wrote:
Fri Jul 05, 2019 1:13 am
We only have one Costco membership, and all three of us are on it.
But as I understand it you can only have two cards issued. This is a pain point for gas as it proves difficult for the kids to gas up the car at Castco without first getting my membership card....
by SimonJester
Wed Jun 26, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Banks that offer automatic withdrawal option for CDs at maturity
Replies: 12
Views: 784

Re: Banks that offer automatic withdrawal option for CDs at maturity

I am aware of only one bank that provides an on-line option to automatically withdraw your funds after CD matures. You can use this option about 1 year before CD matures. This is Ally on-line bank. Does anyone know if there are any other on-line banks or Credit Unions that provide this automatic op...
by SimonJester
Wed Jun 26, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Vision Insurance for ONLY (dependent) Spouse
Replies: 11
Views: 428

Re: Vision Insurance for ONLY (dependent) Spouse

We have never found vision insurance to be worth it. I have two in the family wearing glasses plus DW using contacts. It was better to just save the insurance money and pay out of pocket... This is what I have found with both vision and dental insurance. The only times it made sense was when I was ...
by SimonJester
Wed Jun 26, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Vision Insurance for ONLY (dependent) Spouse
Replies: 11
Views: 428

Re: Vision Insurance for ONLY (dependent) Spouse

We have never found vision insurance to be worth it. I have two in the family wearing glasses plus DW using contacts. It was better to just save the insurance money and pay out of pocket...
by SimonJester
Wed Jun 26, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Question on using 529 for Room & Board
Replies: 13
Views: 1096

Re: Question on using 529 for Room & Board

For fall semester, it would be the cost of room/board for the fall semester, not the entire year. The maximum amount that qualifies is the school room and board cost OR the actual spending, whichever is lower. Utilities count along with rent, food, internet. I would include the parking as the apart...
by SimonJester
Mon Jun 24, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1485

Re: Used Minivan - Recommendations?

Our 15 year old Toyota Sienna has been great and still running strong. Standard FWD with regular tires does just fine in the snow. Same with my 15 year old Sienna a few bumps and scrapes,and normal maintenance... Ive asked DW if she would like to upgrade to something else and she is like nope its s...
by SimonJester
Mon Jun 24, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: 529/coverdells/ ibonds for college
Replies: 7
Views: 718

Re: 529/coverdells/ ibonds for college

Thanks. This is very helpful! As Klangfool pointed out make sure you take into account the AOTC which funds must be paid out from NON 529 / ESA dollars. I-bonds, You can claim the tax exemption (assuming you qualify) however this complicates things with AOTC. However if you are contributing to the ...
by SimonJester
Sun Jun 23, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: 529/coverdells/ ibonds for college
Replies: 7
Views: 718

Re: 529/coverdells/ ibonds for college

Thanks. This is very helpful! Are the criteria for what qualifies as educational expenses the same for 529 and coverdell? The verbiage in Pub 970 for ESA and QTP (529) is the same for Qualified Higher Education Expenses. One difference you can use the ESA to contribute towards the 529 and count tha...
by SimonJester
Sun Jun 23, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Purchase Life Insurance For Adult Child?
Replies: 12
Views: 1052

Re: Purchase Life Insurance For Adult Child?

leeks wrote:
Sat Jun 22, 2019 11:42 pm
Honestly, I would stay out of it.
This would get my vote, other then a discussion with your daughter about getting life insurance outside her employer. Ie you might illustrate if she were to get sick enough to have to quite her job she would loose her insurance.
by SimonJester
Sun Jun 23, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: New car lemon laws, definition of "out of service"
Replies: 1
Views: 318

Re: New car lemon laws, definition of "out of service"

I think out of service is the time it is actually sitting in the dealer's shop, and all of this counts towards 1 instance of the issue.
by SimonJester
Fri Jun 21, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5210

Re: How much is your guys’ fees for your 401k?

Me Megacorp: Zero assume it paid by company
Spouse mini corp: $15 ish per year and her old 401k at Fido is $15 per year.
by SimonJester
Fri Jun 21, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Adding Teen Driver via PERMIT vs. DRIVERS LICENSE: Costs?
Replies: 15
Views: 956

Re: Adding Teen Driver via PERMIT vs. DRIVERS LICENSE: Costs?

This varies by state and perhaps insurer but No change when adding my teens to insurance during the permit phase, the increase happened once they passed the drivers test and received their full license. Also I believe while on their learners permit any violations will also go against the adult drive...
by SimonJester
Sun Jun 16, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4202

Re: how is Home Depot's contractor service (for a water heater)?

stlutz wrote:
Sat Jun 15, 2019 5:51 pm
The thing I like about HD is they actually do pull the required permit so you do get an inspection of the work and the contractor has to fix any problems. Plumbers tend not to pull permits for this type of work.
What??? In my city that would be illegal that plumber would lose their license.
by SimonJester
Sat Jun 15, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1292

Re: Best prepaid debit card for a teen

I have a question since so many of you mentioned sending kids overseas. Some of you are saying she should use the credit card overseas and not the debit card. Is there a reason for that? I was kind of thinking I would tell her to use the debit card at ATMs only and get cash to spend. The credit car...
by SimonJester
Sat Jun 15, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26154

Re: Selling home- Demanding Buyer (Repairs)

Thanks. Of course, I will consult whatever agent I go with. But, is there any issue with me listing property AS IS. And supply buyer with inspection report and a detailed list with receipts of repairs that were made. That way they can get their own inspection if they want, but could save a few hund...
by SimonJester
Sat Jun 15, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9263

Re: Article on high deductible health plans - and the math

The other problem with HDHPs, which was emphasized in the article, is that people with HDHPs are discouraged from using medical services, whether those services should be used or not. Yes, and sadly, if you bring up anything during the "free" annual physical, you are almost always billed for a sepa...
by SimonJester
Thu Jun 13, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1292

Re: Best prepaid debit card for a teen

Thank you both for this idea. I am not sure how or if this can work the way my bank does things, but I will ask. Currently, my debit card can access my checking, money market, and her savings. If I got her a card for her savings, I would think that card would access my accounts too. I trust her, bu...
by SimonJester
Tue Jun 11, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3202

Re: Good Rx

Here is another tip, you can use GoodRX with a prescription for your pets as well! MY dog takes an anti seizure medicine that is $100+ per month from his vet, I got the same medicine from our local pharmacy with the good RX discount for only $14. It took the pharmacy a few extra hours to setup the V...
by SimonJester
Tue Jun 11, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 15
Views: 959

Re: Shopping insurance? How often?

I shop once a year and quote 12 major insurance companies for Home, Auto, and Umbrella. Now that none of the carriers will issue a 12 month Auto policy in my state I will probably start quoting every 6 months. It takes about 2 hours to quote all 12, as many will pull in your details on their web sit...
by SimonJester
Sun Jun 09, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3955

Re: Checks without my account number

Not sure any of this is really necessary... At the end of the day your bank and federal regulations protect you from fraudulent activity on your bank account. Ive written over 2,200 checks in my life time and never had an incident of check fraud. In my opinion you are much more likely to have debit ...
by SimonJester
Wed Jun 05, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 9116

Re: Low ball offer to buy my useless land, take it or leave it?

My vote would be to pass on this offer. First why the odd number, second I do not like their terms, # 3 seems opened ended and I doubt you can provide #4. "We, the buyer, will pay the cost of completing the transaction within reason..." What does that mean, $50 is reasonable but $51 is not? I would ...
by SimonJester
Wed Jun 05, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8582

Re: Costco or Sam's Club?

Another issue I hate with both stores are the grazing stations! Costco isles are barely wide enough for two carts to get buy, thrown in a grazing station for the cattle and now you have a major traffic jam. I have seen people get into fights at the grazing stations over a free 2" cube of cheese... D...
by SimonJester
Tue Jun 04, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for multiple kids: Any advantage to splitting unequally?
Replies: 18
Views: 1364

Re: 529 for multiple kids: Any advantage to splitting unequally?

One advantage if your kids are years apart the younger one has a longer time horizon and thus you can fund it slightly less. However this very well could be offset by the rising cost of college...
by SimonJester
Tue Jun 04, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8582

Re: Costco or Sam's Club?

You need both... Costco consonantly moved their merchandise around their store to create intentional confusion and keep customers in their store longer. Im not talking about something move a spot or shelf over, its like one week the bread is by the produce, then next week its all the way on the othe...
by SimonJester
Sat Jun 01, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Discover Identity Theft Protection - $15/month
Replies: 13
Views: 995

Re: Discover Identity Theft Protection - $15/month

I dont think these plans are worth it. Freeze your files at the 4 main bureaus. Pull your credit reports annually. Review your bank statements monthly. Turn on email / txt notifications for transactions with your bank accounts. Why monitor to see when the horse is out of the barn when its better to ...
by SimonJester
Wed May 29, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2060

Re: Hyundai Sonata for college.

First thought does she really need a car at college, go look at parking permits before you make this decision. My youngest college charges $450 per semester for parking permits. The youngest uses uber and lift for everything. The oldest did not have a car his freshman year and was able to get around...
by SimonJester
Tue May 28, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3102

Re: "Soft" question on student loans

Both my sisters and my wife will have graduated between '18 and '20: combined they will have spent less than $100k on their undergrad education (2 from a decent in-state public, another from a decent nearby private) and one of my sisters never lived at home. I am curious if you could break down the...
by SimonJester
Tue May 28, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3102

Re: "Soft" question on student loans

I think FlyAF might actually have been saying $100k/yr, which is hyperbole, but not that far from it. I recall several threads where people here were stating they were spending $70k+/yr to send their child to school. Yes the Average cost of college per year is $25,290 for in state. This makes 4 yea...
by SimonJester
Tue May 28, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14880

Re: Can we afford to pay for our kid's college (at all)?

What about community college for the first year or two, then transfer to the 4 year school if possible... Is the 4 year college near your residence? If so you should be able to get a waiver for living in dorms the first year. If not is there a 4 year college he could commute to then perhaps transfer?
by SimonJester
Tue May 28, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Resurfacing concrete porch
Replies: 6
Views: 484

Re: Resurfacing concrete porch

I tried the concrete leveler and epoxy paint route and was not happy with it at all. The surface you are trying to cover is flat so weather elements will wear away that paint and you will be constantly repainting. In the end I covered up my porch with a trex like decking material...
by SimonJester
Tue May 28, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3102

Re: "Soft" question on student loans

Third, why is student loan debt somehow more evil or oppressive than automobile debt or mortgage debt? Yes, the state can garnish wages. But cars and houses can also be repossessed. And when you die, student loan debt dies with you. Car debt and mortgage debt lives on. Im not sure how it will be fo...
by SimonJester
Sun May 26, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question on 529 and usage
Replies: 6
Views: 734

Re: Question on 529 and usage

Both of my kids colleges charge 2.75% fee for CC usage. So that is a no go for me... I would LOVE to pay those bills with a cash back card... However books purchased from the book store or other sources do not have said fee so we do use the card for that... Oldest is taking a summer course at the lo...
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: 28
Views: 4669

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: 1813

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: 395

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: 1985

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: 18
Views: 1777

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: 381

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: 13
Views: 2389

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: 1828

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...