Search found 2093 matches

by SimonJester
Tue Jun 02, 2020 7:23 am
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 117
Views: 7105

Re: Falcon 9 Launch to the International Space Station

I also heard that past rockets were clamped to the pad for a few seconds so they can ramp up to full engine performance. This is not done with the newer rockets.
by SimonJester
Sun May 31, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6031

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

Wow. That's crazy. It sounds like a small bank. I have not, and would not, wait 2 hours to talk to my credit card company. I would email online and tell them what to do. That's bizarre. Also, not cancelling the card!? That's very odd. I would use a different bank card if it were me. No not a small ...
by SimonJester
Sat May 30, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

"But as I've noted in this thread, many universities have announced that they are planning to return to face-to-face instruction in the fall but know full well that it's unlikely that they actually will. This is tactic has two objectives: (1) to try to keep students on the hook for as long as possi...
by SimonJester
Sat May 30, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6031

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

It would seem the question is not how many cards a person has but how many charges they make a month, no!? You could have 20 cards but if you only use them a few times your odds are low. I dont know, I just had a debit card hit with fraud and this card was never used. It never saw the light of day ...
by SimonJester
Wed May 27, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: Develop scotch/wine palate quickly and effectively
Replies: 31
Views: 2468

Re: Develop scotch/wine palate quickly and effectively

SimonJester - I enjoy my two ounces of Scotch whisky every evening in my Glencarin whiskey glasses. Thirty minutes away now. :D Ive done side by side comparisons of the same dram in a Glencarin glass and other glasses, its amazing how much of a difference the Glencarin glass makes. I'd say drinking...
by SimonJester
Tue May 26, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Develop scotch/wine palate quickly and effectively
Replies: 31
Views: 2468

Re: Develop scotch/wine palate quickly and effectively

For scotch check out a glencairn whiskey glass, they really do enhance the nose of the dram vs other glasses.
by SimonJester
Sun May 24, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Coursera Google IT Support Professional Certificate
Replies: 2
Views: 350

Re: Coursera Google IT Support Professional Certificate

I would look into cloud certifications from the various cloud providers; Amazon AWS, Google, Azure etc. There is a big push right now to outsource all IT functions the the big cloud providers.
by SimonJester
Fri May 22, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Shed Foundation: Flat Concrete Blocks or Deck Piers?
Replies: 18
Views: 1334

Re: Shed Foundation: Flat Concrete Blocks or Deck Piers?

I would be sure to check your local building codes. In my area anything over 10x10 has to be permited with engineered building plans.
by SimonJester
Mon May 18, 2020 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6031

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

It would seem the question is not how many cards a person has but how many charges they make a month, no!? You could have 20 cards but if you only use them a few times your odds are low. I dont know, I just had a debit card hit with fraud and this card was never used. It never saw the light of day ...
by SimonJester
Sun May 17, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Gardening- question about where to mulch, and also about harvesting
Replies: 17
Views: 1043

Re: Gardening- question about where to mulch, and also about harvesting

We are guilty as charged... Planted cat mint & chocolate mint, both not in pots... I expect eventually to see it growing inside the house from the carpet , floor boards, asphalt shingles. I think it grows on bare cement without soil. My plan is to just live with it until I die or sell the house whic...
by SimonJester
Sun May 17, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3412

Re: Must carry more than one credit card

2 credit cards yes. Debit...I don't understand why anyone except those who struggle with use of credit would have possess one. Credit - when fraud is afoot and their money is lost, the bank gets to work. Debit - when fraud is afoot and your money is lost, YOU need to get to work. While I fully beli...
by SimonJester
Sun May 17, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

........ likely a meal plan are a necessity. As I explained to DW time after time, a meal plan is simply pre-paying at exorbinant cost with no refunds. My son had no meal plan for several years while in the dorms. The difference for him? He'd meet his friends and go in for breakfast. They'd all get...
by SimonJester
Fri May 15, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

........ likely a meal plan are a necessity. As I explained to DW time after time, a meal plan is simply pre-paying at exorbinant cost with no refunds. My son had no meal plan for several years while in the dorms. The difference for him? He'd meet his friends and go in for breakfast. They'd all get...
by SimonJester
Fri May 15, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs reducing FAFSA assets
Replies: 15
Views: 939

Re: 529 vs reducing FAFSA assets

Yes, ok. This is what parents think until they fill out the FAFSA form. Your assets are of little importance if you earn more than the poverty level in wages. Your kids will get Stafford loans and nothing more. The lower ranked colleges will offer more merit aid. You have to understand that these d...
by SimonJester
Fri May 15, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Tire shop returned my van with a broken part!
Replies: 27
Views: 1826

Re: Tire shop returned my van with a broken part!

Depending on your model year there is a recall on those spare tire winch's. You might want to have the dealer look to see if yours is included in the recall...
by SimonJester
Sat May 09, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3148

Re: Is it worth buying an infant car seat for each car.

1130Super wrote:
Fri May 08, 2020 10:46 pm
SimonJester wrote:
Fri May 08, 2020 10:15 pm
Tell your Fiancé, now that you have two car seats you will need another baby...
On the way!!! And I will be getting 2 more seats
Hmm time for a minivan, then put all seats in the van and trade vehicles when necessary...
by SimonJester
Fri May 08, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3148

Re: Is it worth buying an infant car seat for each car.

Tell your Fiancé, now that you have two car seats you will need another baby...
by SimonJester
Fri May 08, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3650

Re: Will a vpn complicate or improve my internet experience?

Okay, network engineer here. I will dispel the VPN hype. You really don’t need one. The commercials for VPN are mostly unicorn farts. Here’s why: 1. A VPN does not stop malware and spyware from infecting your machine while connected. This is still the number one attack vector as well as the number ...
by SimonJester
Thu May 07, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Deceased received economic impact check
Replies: 25
Views: 1501

Re: Treasury wants stimulus payment to dead returned

nps wrote:
Thu May 07, 2020 6:25 am
Also, what person receives a stimulus payment on behalf of someone else?
Everyone that files married filing jointly, each individual gets $1,200... Not sure how it works with paper checks, assuming they come in both filers names...
by SimonJester
Wed May 06, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased received economic impact check
Replies: 25
Views: 1501

Re: Treasury wants stimulus payment to dead returned

Im willing to bet they are going to make adjustments to the 2020 Tax return to reclaim these payments...
by SimonJester
Fri May 01, 2020 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: College partial refunds and 529s
Replies: 25
Views: 2226

Re: College partial refunds and 529s

The real question is going to come next year when schools issue their 1098s what exactly will they be reporting... They will be following the Form 1098-T instructions. Box 1. Payments Received for Qualified Tuition and Related Expenses Enter the total amount of payments received for qualified tuiti...
by SimonJester
Fri May 01, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: College partial refunds and 529s
Replies: 25
Views: 2226

Re: College partial refunds and 529s

Most colleges and Universities would have billed back in November or December for spring semester so 60 days likely not enough for folks that didn't go on a payment plan (which most with 529s unlikely to do). I believe as long as money is used for fall semester folks are in the clear. That is also ...
by SimonJester
Sun Apr 26, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3321

Re: Have you tracked spending during quarantine?

No real change for us, gas and dining out is down a little, but my wife is an essential employee that cannot work from home.
by SimonJester
Tue Apr 21, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10199

Re: Eating out after lock-down is lifted

If you say reduce seating by 50%, I don't see the business surviving by increasing prices by 50%. People enjoy going out but prices do matter and if that $15, 20, 30 meal becomes $22, 30, 45 that would make eating home much more likely. If seating is reduced by 50%, prices would have to go up 100% ...
by SimonJester
Tue Apr 21, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10199

Re: Eating out after lock-down is lifted

Boglegirl81 wrote:
Sun Apr 19, 2020 2:11 pm
Off-topic, but I can’t wait for Costco to start sampling again.
I hope this never comes back... Its the worst part of Costco...
by SimonJester
Tue Apr 21, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: CARES Act Above the Line Charitable Deduction: $300 or $600 for MFJ?
Replies: 30
Views: 2797

CARES Act Charitable Giving Incentives Deduction

[Thread merged into here, see below. --admin LadyGeek]

So I read that part of the CARES Act allows those that take the standard deduction to claim an additional $300 Deduction for Charitable Donations. As I understand this is doubled for Married Filing Jointly.

Can anyone confirm this?
by SimonJester
Mon Apr 20, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

If that semester (or longer) was actually used to get some workforce experience and time out of their parent's home to develop as an adult, I absolutely agree (IMO college is a very poor alternative to the real world in this respect). That being said, I doubt "living on their own, managing their ow...
by SimonJester
Mon Apr 20, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129017

Re: Coronavirus (Consumer Issues) How you are preparing?

Seeing the opposite here (Colorado). Several weeks ago when our governor first issued the stay at home order the grocery stores were wiped out like you describe. But I went in yesterday to get more produce and the store was back to normal. I didnt check the TP isle as I am stocked up from before th...
by SimonJester
Mon Apr 20, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129017

Re: Coronavirus (Consumer Issues) How you are preparing?

I just went on a grocery run this afternoon, and the place seemed decimated. It was far worse than in the first couple of weeks of the lockdown. Here in north central CT, the Stop&Shop chain is about the biggest grocer you can find. Now the shortages weren't just in TP and cleaning products. Produc...
by SimonJester
Sun Apr 19, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

I know both of my college kids have said they will take a semester / year off if their colleges only do online in the fall. Both have said the value of the online learning is so subpar to what they were getting they dont feel its worth continue with online classes. My youngest said in one class they...
by SimonJester
Sun Apr 19, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5962

Re: Issues with face masks?

Have not found a good design yet for a washable cloth mask that doesn't fog my glasses. Any suggestions on a design that works best with glasses? I think I answered my own question, need something with a nose wire but is still washable (or the wire is removable). Now just have to find that. This wo...
by SimonJester
Fri Apr 17, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: College partial refunds and 529s
Replies: 25
Views: 2226

Re: College partial refunds and 529s

There's a 60 day window to roll excess withdrawals back into a 529 plan. Most colleges and Universities would have billed back in November or December for spring semester so 60 days likely not enough for folks that didn't go on a payment plan (which most with 529s unlikely to do). I believe as long...
by SimonJester
Thu Apr 16, 2020 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27212

Re: [Government stimulus payments]

I gave 1/2 of mine to my college aged kids. Both were left out of the bill, and are unable to work and or have reduced work hours, so I figured they need the money...
by SimonJester
Thu Apr 16, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: College partial refunds and 529s
Replies: 25
Views: 2226

Re: College partial refunds and 529s

I have a similar question. Paid for Spring semester Tuition, Room and Board 2020 in mid December 2019 when we received the invoice. Now school has refunded a portion of the room and board due to COVID shutdown. Student is studying online from home. What are my options? —return funds to 529 plan wit...
by SimonJester
Tue Apr 14, 2020 11:43 pm
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 64
Views: 7190

Re: Preparing for 25% tariff on Scotch

Priced were tracked and posted on the Reddit Scotch sub over late last year into this year from various members in various locations. Prices definitely went up about $5-$10 or more per bottle. Also prices vary all over the place depending on your location... My own spreadsheet tracked the increases ...
by SimonJester
Sun Apr 12, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

I would suggest for those with Fall 2020 freshman students; If their college is still going to be online only come fall, and if their college allows transfer credits from community college, take the basic courses online at the community college level. You will save a ton of money and probably end up...
by SimonJester
Sun Apr 12, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 313
Views: 30751

Re: College in fall

Are plans changing for kids going to college next fall? Seems like a lot of money to spend if my daughter is going to wind up taking classes from my basement. I wouldn't be so dismissive of taking classes in your basement. In 2020, there's no fundamental reason, other than tradition, why 95% of cla...
by SimonJester
Wed Apr 08, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: Favorite biodegradable kcups.
Replies: 3
Views: 270

Re: Favorite biodegradable kcups.

I am using a reusable pod with a paper filter, so the paper and coffee become compostable. Its much cheaper then k Cups also.

However in the past I have used San Francisco bay K Cups which are biodegradable / compostable...
by SimonJester
Sun Apr 05, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Stimulus Payment Issue
Replies: 86
Views: 7814

Re: COVID-19 Stimulus Payment Issue

Some people who qualified in 2018 and/or 2019 may suddenly not qualify in 2020 simply due to making more money in 2020. Again, I wonder if these people will have to pay back what they received on 2020 return. Am I missing something here? Has this issue been addressed yet? These is another thread th...
by SimonJester
Sun Apr 05, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13436

Re: Safest way to get food

You put them on before entering store and take them off coming out. It's another kind of mask. Dont touch your cell phone, your face, your purse /wallet, your credit card, car keys with your gloved hands after running through the store. And throw away your gloves in the TRASH can when leaving the s...
by SimonJester
Sat Apr 04, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 290
Views: 21617

Re: Are you still going to the grocery store or using a delivery service? Which?

Seeing a couple of stores now limiting the number of people to 2 per shopping trip - think that's a great idea. It's ridiculous seeing families with 3-4+ screaming kids running around supermarket aisles getting underfoot during this time. Store staffs have enough to deal with. One issue could be th...
by SimonJester
Sat Apr 04, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13436

Re: Safest way to get food

I find it frustrating to see the changing messages people get on masks. I never even knew about N95 masks until the pandemic had started so of course too late to try to purchase any. I ordered a cloth mask on Amazon so will see how that works. :| Its my belief the changing message was intentional i...
by SimonJester
Fri Apr 03, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: ESA Refund Due to Covid19
Replies: 3
Views: 307

Re: ESA Refund Due to Covid19

I recommend putting it in savings and using it for the fall semester. I'm thinking this might be the best course of action, since I cannot put it all back into the ESA. The 1099-Q from Vanguard will just have the total distribution for the year, the 1098 Spring and Fall will exceed this total distr...
by SimonJester
Thu Apr 02, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: ESA Refund Due to Covid19
Replies: 3
Views: 307

Re: ESA Refund Due to Covid19

Hmm another complicating factor, I can only contribute a max of 2K per year to an ESA and the refund will be over that amount.

Looks like i will be calling Vanguard in the morning...
by SimonJester
Thu Apr 02, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: ESA Refund Due to Covid19
Replies: 3
Views: 307

ESA Refund Due to Covid19

Like many my college student moved out of his dorms early. He will now be receiving a partial refund of his housing and meal plan for Spring 2020. I know with 529 Plans Pub 970 says "If a student receives a refund of qualified education expenses that were treated as paid by a QTP distribution, the s...
by SimonJester
Thu Apr 02, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 Stimulus Payment Issue
Replies: 86
Views: 7814

Re: COVID-19 Stimulus Payment Issue

Geographer wrote:
Thu Apr 02, 2020 6:34 am
rkhusky wrote:
Thu Apr 02, 2020 6:12 am
You will not have to pay back an excess amount. Your credit for 2020 will be zero. There are no negative credits.

The stimulus payment is a shotgun, not a laser.
Ahhh... so really it'll be a non-issue?
Hopefully congress will not retroactively change that in December...
by SimonJester
Thu Apr 02, 2020 8:05 am
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13436

Re: Safest way to get food

Ah you're right, I left a couple steps out. I tossed the N95 in the back seat of the car (where nobody will be for a week+) then retrieved it while retrieving the grocery bags, and left it in the bags where it'll stay for a week+ before re-use. You should not be tossing it into the backseat of the ...
by SimonJester
Tue Mar 31, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129017

Re: Coronavirus (Consumer Issues) How you are preparing?

Should we leave mask to medical personnel who are at the front line battling the virus? They need it more than we do. Yes my wife, an RN, is having to reuse her one single N95 mask, I think she is on week two now using it, when it was rated for 8 hours. Co workers are using normal isolation masks r...
by SimonJester
Fri Mar 27, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12685

Re: How are you going to use your stimulus money?

Looks like both of my adult kids in college will not get anything. Sad really because they both lost their jobs. Ill probably give 1/2 of what ever we get to them...
by SimonJester
Fri Mar 27, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 290
Views: 21617

Re: Are you still going to the grocery store or using a delivery service? Which?

I really like what Costco is doing. They are limiting the number of people going into the store at a time. They have placed markers on the floor to show the social distancing spacing at the registers. They do not allow people to crowd the register. They have provided a plexiglass shield in front of ...