Search found 1651 matches

by SimonJester
Thu Nov 15, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: As a new grad, should I consider buying or renting?
Replies: 48
Views: 1791

Re: As a new grad, should I consider buying or renting?

Rent until you find out how far away or close you want to be from your in-laws.
by SimonJester
Wed Nov 14, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 34
Views: 2970

Re: Anyone have a bad experience with HDHP?

I would say that one gotcha can be prescriptions. Under my companies PPO plan prescriptions are like $10 - $30 depending on generic vs name brand. Under the HDHP we pay the FULL cost of the prescription and it counts towards the deductible. This may be a shocker when you fill a prescription and have...
by SimonJester
Mon Nov 12, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 12
Views: 986

Re: Is it worth it to rent our house?

I recommend reading various forums on landlord and tenant issues. Things could go well for you and you could get an ideal tenant that pays on time and doesn't trash your place. On the other hand, there is a never ending plethora of accounts opposite to my first....
by SimonJester
Mon Nov 12, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1071

Re: Help! yet aother PPO vs HDHP plan

I have thought about this. Sometimes the medication cost quoted by our drug plan cost way more than what you can get yourself with a GoodRx coupon. It is ridiculous. In order to fill up your deductible/out of pocket maximum, you are almost forced to pay the inflated prices quoted by your drug plan....
by SimonJester
Mon Nov 12, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Is it safe to keep using a phone after it stops receiving security updates?
Replies: 8
Views: 816

Re: Is it safe to keep using a phone after it stops receiving security updates?

I would not use it to access any financial or banking information. You might be out of compliance with your financial institutions online agreement and thus no longer covered by their security guarantees. Here is the one from Vanguard: Further, you are fully responsible for all activities occurring ...
by SimonJester
Sat Nov 10, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in my situation
Replies: 17
Views: 1550

Re: Emergency fund in my situation

I still stand by 3 to 6 months of living expenses. While your job income is stable what if you got sick and had to take off 6 months while hospitalized? After you pay the deductible I am sure you have co insurance. You live in a town home, what if the roof is damaged and they assess each unit $10K f...
by SimonJester
Sat Nov 10, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6030

Re: How to stop junk mail for a deceased person

I had the same problem even after notifying the senders (mostly magazine companies) and the Postal Service. Finally I sent a new change of address to the cemetery where she currently resides. Never heard from them again Very clever ! Not so sure, my wife just received a very import document 8 years...
by SimonJester
Fri Nov 09, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1543

Re: Group life insurance through work

I think you are making a wise choice. I would suggest if the costs are not much different get the 15 year plan now in case you have some bumps in your financial plan. You can always cancel after 10 years if you feel you do not need it...
by SimonJester
Thu Nov 08, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring - Need All 3 Credit Bureaus Included
Replies: 7
Views: 516

Re: Free Credit Monitoring - Need All 3 Credit Bureaus Included

Thanks for the suggestion, however, I'd prefer not to freeze the credit since I might apply for a new credit card from time to time. You can temporarily unfreeze your credit to apply for credit cards. Should be done in less than an hour and for free. https://www.nerdwallet.com/blog/finance/how-to-u...
by SimonJester
Thu Nov 08, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job vs term life insurance
Replies: 35
Views: 3039

Re: Job vs term life insurance

From that brochure You can generally convert your Group Life insurance benefits to an Individual Whole Life insurance policy No thanks Go get a term policy outside your employer, while you are young, before you get sick and need to leave your employer. I have had two realities with all their life in...
by SimonJester
Mon Nov 05, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7802

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

hudson wrote:
Mon Nov 05, 2018 9:44 am
Extended Download 5.99...a required purchase...no option to remove...I would remove if I could as it has no value for me

This is a big turnoff for me from purchasing directly from HRBlock. I can purchase this software from Amazon without this fee...
by SimonJester
Sat Nov 03, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1543

Re: Group life insurance through work

You will be able to continue coverage under COBRA for at least 18 months as long as you are not fired for "gross misconduct". You will need to pay the full cost, and maybe a small management fee. Under current law, you cannot be refused coverage due to pre-existing conditions, so you could always g...
by SimonJester
Sat Nov 03, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 991

Re: Migrating Win 10 to SSD

I agree with this. I cloned my 1TB hard drive to a 500GB SSD. I was able to do this as I was using less than 500GB on the original drive. That said, I had to use Paragon to resize the drive partition as I imaged the drive. The software that came with the drive (Samsung EVO) didn’t seem to like this...
by SimonJester
Sat Nov 03, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 991

Re: Migrating Win 10 to SSD

I migrated my Win10 box from HDD to SDD a few months ago. The SDD drive I purchased (Samsung EVO) came with software to migrate the drive. It was probably the most simple drive cloning software I have used. So if you look into the Samsung drives they come with the cloning software. Now if you are lo...
by SimonJester
Fri Nov 02, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2874

Re: help this RN negotiate job change

Also look at both jobs in their entirety, patient load at both places, commute, atmosphere of the unit, other benefits. Pay is only one part of the equation. If possible ask to shadow the unit for a day before you make a decision. My wife did this with her last job switch and she was able to get a g...
by SimonJester
Fri Nov 02, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Equifax Data Breach
Replies: 9
Views: 1062

Re: Equifax Data Breach

GoldStar wrote:
Fri Nov 02, 2018 5:23 am
I never signed up as I don't see the point in credit monitoring.
All my credit is frozen.
+1, This should become the default option for everyone's credit files. Absolutely no reason not to freeze now that its all free...
by SimonJester
Wed Oct 31, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3233

Re: USPS - Informed delivery - complain on missing items?

Uggg I am currently having an issue with my mail service. Over the past year I have had about six packages with tracking numbers go missing. Prescription medication, amazon packages with expensive electronics. I eventually started keeping a journal of the issues and filed a complain with the postal ...
by SimonJester
Wed Oct 31, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3534

Re: The most you ever paid for a prescription

Around $350 - $400 for one DS monthly prescriptions, and it does suck being on a HDHP. My father was on a prescription that ran $10K per month with a 3K hospital charge to inject it! :shock: :shock: :shock: He was thankful it was covered medicare / medicaid...
by SimonJester
Wed Oct 31, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1655

Re: Anybody use CenturyLink for internet service?

I had CL internet for several decades starting with them in the late 90s when they first introduced DSL. I also had local phone service with them. This past year I dropped the phone service and switched to our cable vendor. The internet portion of the service was fine, just slower speeds then I was ...
by SimonJester
Wed Oct 31, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5688

Re: Tax refunds expected to be 26% more in 2019

Im sure it will change but right now I am projecting my refund will be 23 cents :P
by SimonJester
Tue Oct 30, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5207

Re: People with older car, share your unusual repairs

2005 Chevy Silverado 90K miles on it. Earlier in the year I had to replace one of the front airbag sensors. Had to upgrade my OBDII scanner to one that could read ABS and Airbag codes. Easy fix once I knew which sensor, one bolt one wire connector. Going to have to replace the radiator on my 2004 To...
by SimonJester
Mon Oct 29, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: new HDHP consumer - check my math, please
Replies: 9
Views: 774

Re: new HDHP consumer - check my math, please

For plan #2 does the 20% copay kick in after the deductible is met or 20% during the deductible and after? Does plan 1 truly have no co pays or co insurance after the deductible is met?
by SimonJester
Mon Oct 29, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 20
Views: 1027

Re: E911 Service

I am using the CallCentric solution which also gives me several nice features such as Caller ID name and spam blocking...

It runs $1.50 per month.
by SimonJester
Fri Oct 26, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 51
Views: 5486

Re: Empty nester downsizing - any advice?

For lower value items, consider donating. I've done a lot of selling on Craigslist and eBay and similar. It is work. I have had good luck and bad luck. I've found it isn't worth the hassle for many things. A garage sale is easier as people come. You control right there if you want to sell for the p...
by SimonJester
Wed Oct 24, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: 911 calls from different area
Replies: 28
Views: 2485

Re: 911 calls from different area

I do this all the time as part of my job... Basically the best you can do is google "non emergency PSAP phone number for city" where city is insert your city name. Most of the time you will be getting either the main police department, or the PSAP / dispatch communication center. From there they can...
by SimonJester
Sun Oct 21, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: HELOC AS Emergency Fund
Replies: 10
Views: 656

Re: HELOC AS Emergency Fund

I like to use the scenario, you just lost your job, slipped on the ice broke you arm (3K medical bill) and the transmission went out on your car (4K auto bill). Now with no income and a 7K emergency, do you want to go into debt to handle this, or would you rather have 10K sitting the bank you can us...
by SimonJester
Tue Oct 16, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: I-bonds to 529 to grandchild
Replies: 4
Views: 547

Re: I-bonds to 529 to grandchild

Anything else I should be aware of before embarking on our plan to take advantage of this loop-hole? There are income limits that phase out the deduction Your modified AGI (adjusted gross income) is less than: $93,150 if single, head of household, or qualifying widow(er); $147,250 if married filing...
by SimonJester
Mon Oct 15, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 5082

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Something else to think about, a lot of scholarships require your to be under a certain EFC number. Several actually wanted the SAR report when applying.
by SimonJester
Mon Oct 15, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

If you value your privacy, you should not use gmail. outlook.com is a decent option. There is no privacy on the Internet. Just because you use outlook.com doesn't mean Google inst reading every email you send to any gmail user. Any other ISP could be doing the same unless you are encrypting your em...
by SimonJester
Mon Oct 15, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3683

Re: Not convinced with insurance

A few things to consider. Start looking into term life insurance now, as other have said the younger you are and the healthier you are the cheaper your premium will be. Your wife should be looking into professional liability insurance once she is interacting with patients at any level. This is proba...
by SimonJester
Thu Oct 11, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2206

Re: FAFSA questions

an_asker wrote:
Wed Oct 10, 2018 3:22 pm
and to the stock market for taking a tumble (our numbers will definitely be lower than they'd have been yesterday, or the day before - maybe I should wait until Friday ;-) )
This is my plan lol

The next challenge is getting DS who is already in college to sit down and complete the FAFSA...
by SimonJester
Wed Oct 10, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2206

Re: FAFSA questions

The above is for the second FAFSA question that I shared in OP. Based on this, it appears to me that the intent of the first FAFSA question (in OP) is to just get the total ready cash that we have. Anything else - including, say, a money market mutual fund such as VMMXX (I hope this is the right sy...
by SimonJester
Tue Oct 09, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: College loan advice?
Replies: 39
Views: 2860

Re: College loan advice?

She’s working during college plus studying - imo, as someone who did the same in college and grad school, your child has plenty of “skin” in the game. She may be competing against those whose parents gave them a free ride and don’t need or want to work. If you have the means, pay for school but don...
by SimonJester
Mon Oct 08, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2206

Re: FAFSA questions

I forgot the 529. My understanding is that if we have a 529 for DD, we don't need to show that on our DS's FAFSA application... The 529 is added into your investment count, but does not go into your DDs investment sestion. If you have multiple 529s for different dependents you add them ALL up toget...
by SimonJester
Mon Oct 08, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2206

Re: FAFSA questions

I forgot the 529. My understanding is that if we have a 529 for DD, we don't need to show that on our DS's FAFSA application... The 529 is added into your investment count, but does not go into your DDs investment sestion. If you have multiple 529s for different dependents you add them ALL up toget...
by SimonJester
Tue Oct 02, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: should i submit geico claim or not
Replies: 10
Views: 518

Re: should i submit geico claim or not

I always laugh at these posts. What did you buy insurance for, to not make claims? If you don't want to claim accidents under a certain dollar amount, raise your deductible. I recently had a comprehensive claim for "collision with a pothole". Close to $2,000 in suspension work (that I was surprised...
by SimonJester
Tue Oct 02, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: should i submit geico claim or not
Replies: 10
Views: 518

Re: should i submit geico claim or not

omega wrote:
Tue Oct 02, 2018 12:00 pm
I was told by GEICO that the claim will be fully covered. No deductible.
Are you speaking about repairing your friend's car or your own?

You never pay a deductible when someone makes a claim against your policy.
However as others have pointed out they may drop you after paying the claim...
by SimonJester
Mon Oct 01, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 31
Views: 1990

Re: Do you like technical conferences?

Ive been to a number of technical conferences in my career, some much better then others. The first ones I attended in my early career I learned a TON of valuable information that assisted me in my career even to this day. Many of the ones I have attended later in my career were a lot of marketing h...
by SimonJester
Tue Sep 25, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Be sure to check your tax estimates for 2018
Replies: 24
Views: 3350

Re: Be sure to check your tax estimates for 2018

Keep in mind I have found the IRS withholding calculator to be off by 1 paycheck depending when in the month you run it...

I have a spreadsheet I am using to more accurately calculate when I will owe.
by SimonJester
Tue Sep 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3522

Re: Dental work and hypertension issue

My DDS also takes BP with annual exams. I hope they understand that being in a dental chair in itself raises your BP.
by SimonJester
Mon Sep 17, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1184

Re: Gas leak detector?

One of my combined Smoke, CO detectors also had a gas detector. It would go off every time I would make chocolate rum cake for the holidays. Man that was some good cake :D Eventually it expired, as CO detectors have a finite life span, and this one was done after 10 years. The one I replaced it with...
by SimonJester
Fri Sep 14, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: current EFC calculator. accurate?
Replies: 4
Views: 298

Re: current EFC calculator. accurate?

Thanks for the feedback. I assumed that EFC stands for Expected Family Contribution and therefore the number would be for the family, not the individual student. From what I am reading as feed back, this assumption is incorrect? If so, they really need to change the name to something like Expected ...
by SimonJester
Fri Sep 14, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: current EFC calculator. accurate?
Replies: 4
Views: 298

Re: current EFC calculator. accurate?

I just ran the numbers from my current College Freshman FAFSA, they are exactly what the FAFSA generated to the dollar. Keep in mind this form is for last years FAFSA not what will be opening up in a month, that will be the 2019-2020 FAFSA. When I calculate as if I have two kids in College my EFC dr...
by SimonJester
Fri Sep 14, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Dental Coverage Feedback
Replies: 13
Views: 1078

Re: Dental Coverage Feedback

Am I reading this correctly? With Delta Dental you pay $1013.16/y ($84.83x12) to maybe not have to pay $1250 (max annual benefit)? That...doesn't seem like a good deal. The Dental Plus ($2114 to maybe save $3000) doesn't seem much better. I'm assuming I'm reading this wrong, in which case, please i...
by SimonJester
Fri Sep 14, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 891

Re: FaceID w driving? ... upgrading from 5S

Not sure about the whole face ID thing, but you can turn on Siri and have Siri perform all the tasks you would need to do while driving so you are safe and legal. If there is something Siri cannot do you should wait or pull over... In some cities the act of touching your phone at all will get you a ...
by SimonJester
Thu Sep 13, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16005

Re: iPhone XS Max

How about this one: Isn't the Lexus ES350 just a Toyota Camry with nicer trim? No. Hey, I tried! 8-) There was a time that it would have been a true statement, but that was just about a decade ago at this point. The past two generations have been a Toyota Avalon with nicer trim. :mrgreen: But isnt ...
by SimonJester
Wed Sep 12, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8480

Re: Botched countertop installation - leave it as-is or risk the repair?

My vote would be to have them just redo the current calking job as the blob in the back in unacceptable.

Redoing the entire install is likely going to be worse then what you have now. A good silicon calk should last a number of years and you will need to maintain it over the years either way.
by SimonJester
Mon Sep 10, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4699

Re: How much do bogleheads save in 529?

I spent some time this afternoon looking more closely into this. Contributions to retirement accounts lower AGI, of course, but they are counted as income in the FAFSA formula. That is what I was trying to say above when I wrote this: "I believe, but am not 100% certain, that 401K contributions are...
by SimonJester
Sun Sep 09, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4676

Re: $250,000 family loan to parents?

Another risk, is that they burn through all their assets in their nursing care and you inherit nothing. Also what about the IRS and the gift loan issue, wont you need to charge interest to your parents? Its hard to make heads or tails of this: https://www.law.cornell.edu/uscode/text/26/7872 I would ...
by SimonJester
Sun Sep 09, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4699

Re: How much do bogleheads save in 529?

Yes. It's correct. We will not be able to comfortably reduce AGI to a point at which EFC will be zero, at least according to my back of the envelope calculations. We'll pay something out of pocket, except for maybe the year or years in which all three are in college at the same time. I'm currently ...