Search found 1884 matches

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: 46
Views: 3218

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: 1188

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: 315
Views: 21574

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: 104
Views: 6733

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: 1188

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: 3111

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: 910

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: 3852

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: 8967

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: 8210

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: 1337

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: 8210

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: 967

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: 2029

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: 3041

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: 3041

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: 14578

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: 477

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: 3041

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: 725

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: 4632

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: 1781

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: 388

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: 1957

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: 1761

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: 370

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: 1936

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: 1783

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: 4341

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: 1972

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: 2446

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: 787

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: 385

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: 378

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: 1062

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: 2259

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: 9676

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: 2151

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: 2151

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: 792

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: 2151

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: 2151

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: 1912

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: 13725

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: 2157

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: 8709

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: 3738

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: 16479

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: 706

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: 16479

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 ...