Search found 1321 matches

by SimonJester
Mon Dec 11, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Sprint one year free - what an ordeal!
Replies: 12
Views: 1533

Re: Sprint one year free - what an ordeal!

A Hard pull on for a new creditor relationship is not uncommon at all. I had to do the same when moving T-Mobile from prepaid to post paid...
by SimonJester
Sun Dec 10, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Can I install and run two different hrblock tax programs on same computer?
Replies: 2
Views: 282

Re: Can I install and run two different hrblock tax programs on same computer?

You could run the 2nd copy in a Vmware version of windows if you have the OS to install it...
Otherwise try installing the 2nd copy to another folder and you might get away with requesting a 2nd state copy.
by SimonJester
Sat Dec 02, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 706

Re: Best small Drone

I suggest starting with a small inexpensive hobby / toy quad copter without any sort of GPS and learn how to fly it properly. Then move up to something more capable if you are still interested int he hobby. You need to research the areas with you will fly your quad copter, as it can be difficult to ...
by SimonJester
Wed Nov 29, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 123
Views: 9708

Re: H&R Block Software

Here is a strange issue, right now the draft tax table is not the same as the published 2017 tax brackets and thus my tax is off my $5 For example Income of 18,650 for MFJ, should be 10% right 1,865, Tax table is showing this for 1,863. For 75,900 tax should be $10,453 (10% of 18,650 plus 15% of 57,...
by SimonJester
Mon Nov 27, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3665

Re: Dental bill four years after service

Do you have the insurance information (policy number and contact number) from the old insurance? If so call them up and see what they suggest, however if the DDS never billed the insurance company until now they probably will not accept the claim. I would not pay this until it had been run through t...
by SimonJester
Mon Nov 27, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3205

Re: The annoying insistence on frivolous credit checks/pulls

Personal check was the problem. They had no way of knowing if the check was any good. You could have paid with a cashier's check so that no credit check would have been performed. I have purchased three vehicles with a personal check, they never batted an eye, took the check no questions asked. I s...
by SimonJester
Sun Nov 26, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3205

Re: The annoying insistence on frivolous credit checks/pulls

I bought car with cash (well, technically whatever amount they were willing to put on a credit card, and a personal check for the rest) a few years ago and the dealership still insisted on doing a hard pull on my credit. I would have walked out the door over that. I have bought two vehicles now via...
by SimonJester
Sat Nov 25, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: First Mortgage Payment - WWBHD? [What Would a BogleHead Do]
Replies: 15
Views: 1502

Re: First Mortgage Payment - WWBHD? [What Would a BogleHead Do]

If you are going to pay down the mortgage with your extra I would wait a until a few payments have been made on the loan to ensure the current lender is not going to sell the mortgage right away and you end up with a new servicer. You also need to make sure the extra payment is applied to principal ...
by SimonJester
Thu Nov 23, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37710

Re: Did you tell anyone you paid off your mortgage?

Back in the day, your original mortgage note was returned to you, and that's what was burned. No note, no mortgage debt. These days, the original note is long-gone as loans are electronically bundled and sold to different banks or as mortgage-backed securities. What you got these days when the mort...
by SimonJester
Wed Nov 15, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 123
Views: 9708

Re: H&R Block Software

Pet peeve of this software. sure, can always 'print' and mail but a PITA when one just want's to be 'done' with it and ensure it doesn't get lost in the mail etc. I use H&R Block to prepare my state return, then go to my state's revenue site and file online for free. It takes maybe 5-10 minutes to ...
by SimonJester
Tue Nov 14, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3701

Re: Borrowing from parents - what interest rate?

Will your parents be able to report the loan to the credit agencies? If not you are loosing out on that benefit. Will they be able to generate you a 1098 each your so you can deduct the "mortgage" interest?
by SimonJester
Thu Nov 09, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58371

Re: Quicken's future direction - a cause for concern

Another letter to customers from Eric Dunn, CEO of Quicken: Letter to the Quicken Community about the Membership Plan (November 2017) Since the launch of the 2018 releases of Quicken, we have heard questions from many of you about the new Membership Plan, where customers subscribe to Quicken on an ...
by SimonJester
Thu Nov 09, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 5159

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

Keep in mind that you want to insure the cost of rebuilding the structure, not the value in the real estate market. In some areas, construction costs are very high. Also, if you are not at least 80% insured, insurance will pro-rate smaller claims and will not pay in full. Not to mention there is de...
by SimonJester
Wed Nov 08, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1593

Re: Auto Insruance Payment

Mine bills me monthly which I have set to auto pay on a rewards credit card. They do not charge any additional fee for monthly billing nor credit card as a payment.
by SimonJester
Wed Nov 08, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan questions
Replies: 20
Views: 1717

Re: 529 plan questions

Also I bet there will be expenses the "full ride" does not cover, perhaps books which you might be able to use some of the 529 money on...
by SimonJester
Wed Nov 08, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 1870

Re: Okay to paint exterior brick?

You were able to stucco the entire house without a permit, but stucco’ing the brick requires one? Design changes need to go through a design committee :oops: What was the previous siding on the house? One would think changing to stucco would require the same "design committee". When are you going t...
by SimonJester
Sun Nov 05, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 4089

Re: Did I earn an extra hour of interest last night?

1. Although I have never taken such medications, I wonder how very, very precisely dosed medications are handled with a time change? Nurses that are working the night shift run into this yearly and chart the time with either daylight time abbreviation or standard time abbreviation when the 2:00 am ...
by SimonJester
Thu Nov 02, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Bank accounts and minors
Replies: 11
Views: 522

Re: Bank accounts and minors

My vote would be a local brick and mortar credit union savings account. My local CU had a special savings account for minors, they gave my kids a special deposit recording card, each deposit they got a sticker, after 10 deposits they got $5 and some special promo item if I recall. We made a deal of ...
by SimonJester
Wed Nov 01, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 6285

Re: Unable to Escape from Quicken Island ...

Do you have a source for this? This link indicates that is not correct. https://getsatisfaction.com/quickencommunity/topics/where-does-quicken-store-the-password-vault Sigh, but this link indicates it depends on the financial institution. https://www.quicken.com/support/how-quicken-protects-financi...
by SimonJester
Wed Nov 01, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: House damaged by tree, next steps?
Replies: 8
Views: 1006

Re: House damaged by tree, next steps?

Do you have a claim number with your insurance company? if so you can call the insurance company back with that claim number and ask when their adjuster will be onsite. The insurance adjuster will go over all the damages to the house tally up the costs to repair them and write you a check minus your...
by SimonJester
Tue Oct 31, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an EF [Emergency Fund]
Replies: 29
Views: 2043

Re: Do I need an EF

You absolutely need an emergency fund, 3 to 6 months of expenses. I also used the credit card emergency fund mentality for many years however it finally dawned on me the problem with this. Lets say you have a $5k or $10K emergency tomorrow, you slap down that card but what happens the next month. Yo...
by SimonJester
Mon Oct 30, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help with two medical plan choices
Replies: 5
Views: 350

Re: Help with two medical plan choices

Do you have other choices besides these high deductible plans - that might lower your risks in case of serious conditions? I suspect (especially with children) that significant portion of high or very high cost medical conditions happen to those in generally good health. There are other plans but t...
by SimonJester
Mon Oct 30, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with two medical plan choices
Replies: 5
Views: 350

Re: Help with two medical plan choices

Hmm under plan A In network and out of network max are the same, so an in network claim reduces the OOP Max and deductible for both In network and Out of network. I need to see if it will work the same with plan B.
by SimonJester
Mon Oct 30, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help with two medical plan choices
Replies: 5
Views: 350

Help with two medical plan choices

At Megacorp I am trying to decide between two medical plans both HDHPs I would like some input on which plan to go with. I have been using Plan A for the past several years, however the costs have gone up this year and they added a new prescription deductible. Both plans have the same providers, cov...
by SimonJester
Mon Oct 30, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit Questions
Replies: 2
Views: 264

American Opportunity Tax Credit Questions

So it looks like you can claim expenses paid for Books against the American Opportunity Tax Credit, do you just save receipts for these books? What are some of the logistics of this? Can the dependent student purchase these with their bank account or does the parent have to purchase with theirs and ...
by SimonJester
Thu Oct 26, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dental “insurance” – a different model
Replies: 13
Views: 1657

Re: Dental “insurance” – a different model

I am at the opposite extreme then most folks in which I have maxed out the yearly cap on my dental plan multiple years... Hooray!
I had a bridge placed and after about 10 years it broke and I had to have it redone. Add on a crown or two and you get your money's worth from insurance.
by SimonJester
Thu Oct 26, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime customers can now give Amazon access to their home
Replies: 53
Views: 4586

Re: Amazon Prime customers can now give Amazon access to their home

I am not responsible for packages stolen outside that they leave so I am certainly not going to have someone I don't know enter my home when I am not there. That being said, I think people that live in communities (condos, townhouses, etc.) with common mail areas need to step up and devise somethin...
by SimonJester
Thu Oct 26, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Financing with no Credit Score
Replies: 30
Views: 1635

Re: Mortgage Financing with no Credit Score

You are being denied for credit cards because your credit reports are frozen. How did the mortgage guy pull it then? Perhaps he didn't and his software programs then just reported no score... If you have a local bank or credit union I would try getting a credit card through them, call and find out ...
by SimonJester
Tue Oct 24, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Financing with no Credit Score
Replies: 30
Views: 1635

Re: Mortgage Financing with no Credit Score

Closed accounts generally stay on a credit report for as long as 10 years that's why I'm puzzled that you would have NO credit score. A few years ago I paid off all loans and closed my credit cards, I had previous CC accounts and loans going back 20 years. This year I pulled my FICO score and disco...
by SimonJester
Tue Oct 24, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit freeze for kids
Replies: 3
Views: 298

Re: Credit freeze for kids

So here is my take, look at what is required for your to freeze a minors credit file: you will need write to us with all of the following: A copy of your driver's license or another government issued identification card, such as a state ID card, etc.; proof of your address, such as a copy of a bank ...
by SimonJester
Tue Oct 24, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to save inheritance from grandfather for 18 & 20 year old sons
Replies: 28
Views: 2931

Re: How to save inheritance from grandfather for 18 & 20 year old sons

Hmmm could the bother-in-laws setup a trust for each of your sons stipulating a payout at a certain age? Explain to your bother-in-laws your concerns about 18 and 20 years old boys blowing all the money right away without anything to show. I would however let them have some money to blow now and the...
by SimonJester
Tue Oct 24, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58371

Re: Quicken's future direction - a cause for concern

I have no use for Quicken Bill Pay, my bank offers the same service already for free and I set all my bills to a rewards credit card. One of the big complaints in the quicken community is now we transition to a subscription model, however the same bugs have been present int he product for years and ...
by SimonJester
Tue Oct 24, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2891

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

You have already filed a claim against your own insurance policy. So now I would let your insurance company do their job and go after the responsibly party. They should recover your deductible from the other party or their insurance. They have the legal resources to fight this on your behalf. We'll...
by SimonJester
Mon Oct 23, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2891

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

You have already filed a claim against your own insurance policy. So now I would let your insurance company do their job and go after the responsibly party. They should recover your deductible from the other party or their insurance. They have the legal resources to fight this on your behalf.
by SimonJester
Mon Oct 23, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2039

Re: Which minivan?

I purchased a 2004 Sienna and it has been a great vehicle. Beyond normal maintenance we have had no issues or repairs. It has served our family well and we will probably keep it a few more years. Lots of space for hauling stuff and people.
by SimonJester
Mon Oct 23, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58371

Re: Quicken's future direction - a cause for concern

As expected Quicken Premier runs $74.99 per year now Deluxe is $49.99. This is a 3x+ increase in the price for many of us.
Hopefully it will spur on the competition to make something truly comparable.

Looks like Amazon is selling a 27 month subscription for $89.99 Deluxe and 129.99 Premier
by SimonJester
Sun Oct 22, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: On selling home to a child
Replies: 25
Views: 1862

Re: On selling home to a child

I see no advantage for your child to enter into this arrangement and for me would be too risky towards my relationship with my child. 30 years rates are running about 3.75, you could get a better return in the market with less risk in my opinion. As others have pointed out mixing finances and family...
by SimonJester
Sat Oct 21, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 13097

Re: new 401(k) limits announced

Earl Lemongrab wrote:
Fri Oct 20, 2017 11:06 am
F150HD wrote:
Fri Oct 20, 2017 8:33 am
At your place of work does this 'automatically stop' at the 18k employee contribution point? (so one can't overcontribute)
At Megacorp the plan switches to after-tax when the deferral limit is reached. Matching continues.
+1 mine too...
by SimonJester
Thu Oct 19, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2489

Re: How does the medical billing system work?

A $100 doctor's visit doesn't really compare to a $20,000 hospital bill. My DR charges closer to $400 per visit which is discounted to $200 per my insurance. This June I had to take myself and two kids into Dr as we all came down with something, the oldest had to go in twice because the first time ...
by SimonJester
Thu Oct 19, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2489

Re: How does the medical billing system work?

A $100 doctor's visit doesn't really compare to a $20,000 hospital bill. My DR charges closer to $400 per visit which is discounted to $200 per my insurance. This June I had to take myself and two kids into Dr as we all came down with something, the oldest had to go in twice because the first time ...
by SimonJester
Tue Oct 17, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1550

Re: Car fund in index fun or savings?

What is your time horizon for needing the money? Ie when will you need to purchase the new car?
I would not put money in an index fund if I needed to access it in the next 5 - 10 years.
Anything under 5 years should go into a saving account, I-bonds, and CD ladders.
by SimonJester
Tue Oct 17, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 874

Re: Organized European Tours for Students

We have looked into these trips with our kids and never ended up going. I think they try and pack too many things into the trips which makes them very fast paced. Kids end up rushed from place to place and as you mentioned stuck on a bus the entire time. They are often quite a bit more expensive the...
by SimonJester
Tue Oct 17, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 1187

Re: good used car.

Sandtrap wrote:
Mon Oct 16, 2017 7:02 pm
What color "Toyota Corolla"?
Or really spurge and "what color Camry"
by SimonJester
Mon Oct 16, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6459

Re: Trash dumped on curb (need advice)

#2 for sure. Paying to have it removed will only encourage them to do it again...

If the HOA doesnt take care of it the City should.
by SimonJester
Mon Oct 16, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 373
Views: 51788

Re: Retirement Account Stolen by Identity theft

Its now 16 days in and the money has not been restored? Has the custodian given any sort of estimate when the money will be restored to the account?
by SimonJester
Fri Oct 13, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2489

Re: How does the medical billing system work?

I will add to this how the "MSRP" is determined as I understand it others might chime in to clarify... The hospital / DR does usually not know what various insurance will actually pay for a given procedure. So the billing office submits their fee and the insurance company pays a lower amount. Every ...
by SimonJester
Fri Oct 13, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1587

Re: Does IRS have equivalent of credit freeze?

The best thing you can do if you do not qualify for the IRS IP PIN is adjust your withholding so you end up owing a little bit come tax time. This was if a fraudster files a refund you are not stuck waiting on the IRS to sort things out while they owe you money. This can take anywhere from 6 months ...
by SimonJester
Sun Oct 08, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3609

Re: Sent to collections by a hospital we've never been to?

Collection agency "accidentally" attempted to collect $670, which was the amount paid by insurance rather than $30 that was owed as a co-pay. I do wonder if that money would ever be refunded if we had paid collections $670. I'm sure this was not an "accident" and if you had paid the full $670 you w...
by SimonJester
Sat Oct 07, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7375

Re: Tips on Uber

Do people usually tip on Uber? How much? How, cash or on the app? No, I never tip. The cost of running a business should be built into the sticker price. So do you not tip at restaurants? Not tipping isn't the answer to this. The drivers don't get to choose whether or not to build in a tip. If you ...
by SimonJester
Sat Oct 07, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5934

Re: Roof shingles do not match - Neighbor sent notice

Wow since restoring the roof to the original shingle color is not an option I would get a quote to replace the entire roof break down the cost for both halves of the roof. Present this to the neighbor as what it will cost to make the entire roof uniform again. Insurance will not cover this so it wou...