Search found 1523 matches

by SimonJester
Sat Jun 16, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1182

Re: Early termination of Cable + Internet

You can remove the TV portion of cable and just use the internet... Not always true. I used to subscribe to Adelphia cable internet years ago, and they were quite cool about selling me just internet service, However, when Adelphia went under and was bought by Comcast, that changed. I noticed one mo...
by SimonJester
Fri Jun 15, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 46
Views: 2319

Re: Question for those who used 529 plans

We started our kids in 2009, oldest will head to college this fall and we anticipate the first withdraw in Fall of 2019. Both kids were put into age based options that had a mix of stock and bonds. Both have a 5 year performance of ~4-5%, not real stellar in my mind. They have gotten mode conservati...
by SimonJester
Thu Jun 14, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9194

Re: Timeshare ever worth it? Please share details

My vote would be to take that money and go experience different parts of the world. Why lock yourself into a single location or even company. As other have pointed out AirBNB, short term rentals, of heck just rent the timeshare from someone else are all alternatives.
by SimonJester
Wed Jun 13, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 11
Views: 984

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

For me my boys are the best gift I have. Both earning eagle scout, one heading off to college this fall the youngest the following year. I am so proud of them both.

A phone call with a thanks for everything dad will probably mean way more then any material gift...
by SimonJester
Mon Jun 11, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Judgement Proof and in your 20's (Massachusetts)
Replies: 11
Views: 1669

Re: Judgement Proof and in your 20's (Massachusetts)

Another way this could haunt you forever is the particular bank / creditor may put you on a black list and never do business with you again. Jobs that require certain background checks may also be impacted years later. I would imagine a charge off and bankruptcy might bar you from working in the fin...
by SimonJester
Mon Jun 11, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy Question # 89, Thread # 45
Replies: 2
Views: 318

Re: Umbrella Policy Question # 89, Thread # 45

I would think the most common method is to just file suit and get the policy information during discovery.

Google insurance tracing company:
http://mlresearchgroup.com/faq/insurance-tracing.aspx
by SimonJester
Mon Jun 11, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Glitch Warning: Amazon Chase Prime Credit Card
Replies: 6
Views: 1457

Re: Glitch Warning: Amazon Chase Prime Credit Card

I have always redeemed mine for cash, if you redeem for amazon points / credit you do not get points on the redemption. Redeeming for cash and then using that cash for the amazon purchase you get points for the full purchase... I was talking specifically about the Chase Amazon Prime Rewards Visa Si...
by SimonJester
Mon Jun 11, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2391

Re: How much to invest in elementary education?

To be honest, the effort you put in with your kids schooling / education at home will go a lot further then any school choice. If moving to the more expensive school district causes financial strain then I would say they will be worse off. You might stay in your current school district, get involved...
by SimonJester
Mon Jun 11, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment with interest free credit card
Replies: 10
Views: 822

Re: Mortgage payment with interest free credit card

Also keep in mind you will be taxed on the interest from the 1.6% savings, so that will further subtract from the benefits of all of this.

Another issue to keep in mind, if you end up maxing out that discover card your credit score will take a hit...
by SimonJester
Mon Jun 11, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 30
Views: 2011

Re: Renter's Insurance for College Dorm

Im curious for those who went through college with zero losses, how long ago was that? It seems kids are carying a lot more valuable electronics on them now a days.
by SimonJester
Mon Jun 11, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment with interest free credit card
Replies: 10
Views: 822

Re: Mortgage payment with interest free credit card

Wow a lot of work for just a 1% return... 4. Funnel extra income into 1.6% interest rate savings account until I have to pay for balance. Just funnel extra income towards the principal and get a 5% return on that money. Essentially you are talking about manufacturing spending, it has its risks. The ...
by SimonJester
Mon Jun 11, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage in 7 years using HELOC?
Replies: 29
Views: 8420

Re: Pay off mortgage in 7 years using HELOC?

The scenario was more hypothetical. Searching on Google I saw some with 2.5-3% intro rate though! I pretty much wrote off doing this so I didn't look much further. I hear local credit unions are the best bet though. Then I would use the hypothetical Hawaii Rate of 0.5%. My google searching was givi...
by SimonJester
Sun Jun 10, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage in 7 years using HELOC?
Replies: 29
Views: 8420

Re: Pay off mortgage in 7 years using HELOC?

koolmelee wrote:
Sun Jun 10, 2018 5:22 am
  • Get a Heloc with an intro rate of say 2% for first 12 months and take out $12000(Equivalent to $1000/mo extra payment for 1 year) to put towards the mortgage
Can you provide a link to the bank offering this HELOC with that rate?
by SimonJester
Sun Jun 10, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Judgement Proof and in your 20's (Massachusetts)
Replies: 11
Views: 1669

Re: Judgement Proof and in your 20's (Massachusetts)

In Massachusetts once they have a judgement against you they have 20 years to enforce the judgement, ie wage garnishment / bank account levy.
by SimonJester
Sun Jun 10, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Glitch Warning: Amazon Chase Prime Credit Card
Replies: 6
Views: 1457

Re: Glitch Warning: Amazon Chase Prime Credit Card

tibbitts wrote:
Sun Jun 10, 2018 10:33 am
I believe everyone redeems for cash - you are saying the dollar amount of cash is wrong?
I believe he is saying when using the points for purchases on the Amazon site its only giving $0.80 per 100 vs the full $1.00...
by SimonJester
Sun Jun 10, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Glitch Warning: Amazon Chase Prime Credit Card
Replies: 6
Views: 1457

Re: Glitch Warning: Amazon Chase Prime Credit Card

I have always redeemed mine for cash, if you redeem for amazon points / credit you do not get points on the redemption. Redeeming for cash and then using that cash for the amazon purchase you get points for the full purchase...
by SimonJester
Sat Jun 09, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Do I need an umbrella insurance policy?
Replies: 16
Views: 2055

Re: Do I need an umbrella insurance policy?

What are your future earnings worth? Remember a large judgments could garnish your wages. Next how much is said policy going to cost? I pay $26 a month for a 1M policy. That is about $312 a year. Now an umbrella policy will come with a team of lawyers should I ever need it. How much do you suppose 1...
by SimonJester
Sat Jun 09, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 30
Views: 2011

Re: Renter's Insurance for College Dorm

I am leaning towards Gradguard, they are a bit cheaper then others and provide 50K liability insurance.
As other pointed out home owners would cover this but I have a 2K deductible so its not going to be worth it to file a claim for most anything.
by SimonJester
Sat Jun 09, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 26
Views: 2053

Re: College: extraneous expenses

3 You might think I'm just trying to be funny. I'm not. Meal plans that your parents had and I had back in the olden days meant we could eat as much as we wanted whenever we wanted. That doesn't exist anymore. Or it's $20k a year. These meal plans do still exist at some schools. I will have 2 in co...
by SimonJester
Sat Jun 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3435

Re: How much to spend on daycare?

My mother was a childcare provider for 40+ years with the first 30+ running her own business. The last 10 at several different childcare centers, eventually retiring from injury. As a parent you will not know a 1/4 of what is really going on in the centers when you are not around. My mother turned s...
by SimonJester
Fri Jun 08, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 1897

Re: Tipping HVAC installers?

No, its not a tipped position, they are probably making $20 - $30 an hour depending on locality.
Offer a cold drink, and perhaps a place to use the restroom.
by SimonJester
Wed Jun 06, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 23
Views: 2453

Re: Best CashBack creditCard with no foreign transaction fee.

rolandtorres wrote:
Sun Apr 22, 2018 12:03 am
Uber card probably. The Chase Amazon gives you Amazon $ rewards, which is pretty close to cash for those who shop there.
If you are talking about the amazon prime card you can redeem that for cash back as well...
by SimonJester
Wed Jun 06, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2775

Re: Home Reno, your objective opinion please.

One issue I would consider, is what kids of timeline will this major renovation be. Remember in construction you double the quote and timeline. Do you want to live in a house under significant construction for a long period of time? It doesn't sound like you are going to overbuild the neighborhood. ...
by SimonJester
Tue Jun 05, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: HRA vs HSA ???
Replies: 7
Views: 557

Re: HRA vs HSA ???

The HSA looks to be a better deal. You will want to check your prescriptions to see if their costs would push you towards the HRA, but I suspect not.
by SimonJester
Tue Jun 05, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: How should I hang a hammock on vinyl sided exterior wall?
Replies: 11
Views: 781

Re: How should I hang a hammock on vinyl sided exterior wall?

If this is a town house do you own the exterior walls? if not you cannot and should not install anything into them. Check with your HOA to make sure. In that case get a hammock stand instead. In fact I would probably just go that route either way...
by SimonJester
Tue Jun 05, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: How should I hang a hammock on vinyl sided exterior wall?
Replies: 11
Views: 781

Re: How should I hang a hammock on vinyl sided exterior wall?

First, do you have the ability to use a second 4x4 post next to the house instead of going into the siding? If not, I would drilling a slightly larger diameter hole through the siding. It will be it will be critical to get that eye bolt into a stud, so you will need to correctly locate one. I would ...
by SimonJester
Tue Jun 05, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17303

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

The IRS data retrieval tool did not work to pull in my data so I had to manually enter my 1040 info. I am not sure if using the IRS DRT if the fields come in shown online or not. I wonder if the IRS DRT tool is blocked by having a security freeze? I know creating an online IRS account is. I dont kn...
by SimonJester
Mon Jun 04, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4876

Re: Fitting three young kids in the car...

As I have said in multiple forum and will repeat what others have said here, our 2004 Sienna minivan is going amazingly strong. Has been a flawless vehicle for 14 years now. In 14 years we have had no mechanical repairs beyond normal service. Its going to be hard to give it up as we no longer really...
by SimonJester
Sun Jun 03, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: How do you repay back a 401k loan
Replies: 21
Views: 1775

Re: How do you repay back a 401k loan

If I were in you shoes, I would pause the investments before I took a 401k loan. You have some money now... Fix what you can now and save up for the other repairs. Make sure you are getting multiple quotes for all your work. I would take my time on the flooding issue to make sure you have found out ...
by SimonJester
Sat Jun 02, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17303

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

The IRS data retrieval tool did not work to pull in my data so I had to manually enter my 1040 info. I am not sure if using the IRS DRT if the fields come in shown online or not. Starting with 2018-2019 FA cycle, after many problems in the past, including major security breach, IRS DRT does not sho...
by SimonJester
Sat Jun 02, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17303

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

As a "millionaire next door type," do your children know your approximate net worth? Have read several posts on this thread that imply that students see everything that goes in the application, so I'm curious how this would work if (like us) you haven't shared that kind of info with your kids. If y...
by SimonJester
Sat Jun 02, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17303

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Another thing to keep in mind, my niece is salutatorian in her graduating class with a 4.0+ GPA. She has received a "full ride" merit based scholarship to her chosen college. This equates to paying 4 years of tuition and fees but NOT room and board. Room and board is now 1/2 the price of a college e...
by SimonJester
Sat Jun 02, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17303

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Nothing wrong with asking your child to complete the FAFSA--if you legitimately need them to do so. If wealthy parents ask their child to complete FAFSA so that she can take federal loans in order to "have some skin in the game," is that legitimate? Actually it IS the student who fills out the FAFS...
by SimonJester
Sat Jun 02, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How do you repay back a 401k loan
Replies: 21
Views: 1775

Re: How do you repay back a 401k loan

In the back of my mind, I knew that if I needed cash I could take out the money I was putting in my Roth. So this is why I am need of cash. If I take out money from my Roth, I cannot put it back. But borrowing from my 401k allows me to put the money back. So that is why I figured the loan from the ...
by SimonJester
Sat Jun 02, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1182

Re: Early termination of Cable + Internet

montanagirl wrote:
Sat Jun 02, 2018 8:06 am
sunny_socal wrote:
Sat Jun 02, 2018 8:01 am
I'd pay the fee, then never get 'cable' again. Everything is available online these days and you'll save a ton of money.
Then what do you use for broadband? Cable has the biggest pipe around here.
You can remove the TV portion of cable and just use the internet...
by SimonJester
Fri Jun 01, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 664

Re: Insurance rates increasing?

Is it just me, or is anybody else seeing large insurance premium increases? My homeowners' rate increased 22%. Umbrella policy increased 21%. When I ask the insurance companies for the reasoning or justification, all they tell me is that the underwriter said there are increases across the board. Ye...
by SimonJester
Fri Jun 01, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Renter Insurance for Collage student living in Dorm?
Replies: 6
Views: 637

Renter Insurance for Collage student living in Dorm?

Lots of college questions, and I appreciate the wisdom from my fellow boggleheads.... I am considering a Renters insurance policy outside of my Home owners policy for my DS who will be living on campus this fall. My HO policy has a 2k deductible so covering a stolen laptop, bicycle, or cell phone wo...
by SimonJester
Thu May 31, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: College Laptop Security lock
Replies: 12
Views: 849

Re: College Laptop Security lock

Wow thanks for all the information, this helps a lot. I am also considering a Renters insurance policy outside of my Home owners policy. My HO policy has a 2k deductible so covering a stolen laptop or cell phone would not be worth it. I found I can get a small policy with a $100 deductible for about...
by SimonJester
Thu May 31, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 54
Views: 4256

Re: Making collegebound Kid Financially Savvy Questions..

My kids are using a simple Spreadsheet / checkbook register to track their account balances. Most other things seemed like overkill for their use...
by SimonJester
Thu May 31, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: College Laptop Security lock
Replies: 12
Views: 849

College Laptop Security lock

Follow up question for those who have sent kids off to college, did you provide a security lock for the laptop and if so did they actually use it?

We are sending my son with a lockable trunk to store stuff in but I'm wondering if we should also get a security lock...
by SimonJester
Mon May 28, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1205

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

You are hearing one report out of how may sold? As April 26,289. In 2017 ford sold 81,866 mustangs and the year before over 100K. So one in 100K has an issue? Perhaps there are more but remember people do not go onto the internet to say their ford has had no engine problems.. You only hear of the is...
by SimonJester
Sun May 27, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: medicaid as early retirement medical insurance (or maybe Obamacare)
Replies: 41
Views: 3765

Re: medicaid as early retirement medical insurance (or maybe Obamacare)

I will throw a cautionary tale, this happened to a family member. He was on Medicare with Medicaid as the secondary and it was working well for several years. However he receive the annual Social Security COLA, which then pushed him out of the Medicaid qualification. However this did not become know...
by SimonJester
Sat May 26, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: How safe are our funds in online platforms?
Replies: 15
Views: 1989

Re: How safe are our funds in online platforms?

As long as you do your part, federal law and your banking agreement protect you and your assets. Did you read the thread recently where the poster's father had his retirement account cleaned out, not by any online means but by the thief mailing in a notarized copy of paper banking forms? In this ins...
by SimonJester
Sat May 26, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 13
Views: 2041

Re: Free to freeze and unfreeze your credit report

This is great news, and will push me back to a freeze vs a lock. It should have been free from the beginning, my state is also one that allows a $10 charge for a freeze and thaw. Now the credit agencies will just push their credit monitoring and credit score products. This is a win for us for sure...
by SimonJester
Sat May 26, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12289

Re: Chase Savings Account emptied out!

Thanks for the reminder. I've put a 90 day alert on it. At this point I would actually freeze your reports vs the alerts. I assume Chase will be making you whole again after they get the fraud affidavit. I dont think this would be a result from the Equifax breech, usually credit agencies do not rep...
by SimonJester
Sat May 26, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Minor car accident two years ago. How long till clear record?
Replies: 14
Views: 1412

Re: Minor car accident two years ago. How long till clear record?

I would add, when you shop around for quotes be sure to add in these two accidents until they do fall off your DMV record. It will allow you to see who is counting them against you and to what extent. It does you no good to not include them as they will all pull a DMV record and adjust the rate...
by SimonJester
Fri May 25, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: medicaid as early retirement medical insurance (or maybe Obamacare)
Replies: 41
Views: 3765

Re: medicaid as early retirement medical insurance (or maybe Obamacare)

Lawman: pretty sure Warren Buffett would not be able to get a health insurance subsidy as income is determined by a modified MAGI that includes social security and tax-free bonds. Though if someone only had Roth IRAs then there would be no income and theoretically one could be on Medicaid. Not sure...
by SimonJester
Fri May 25, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: auto insurance quotes
Replies: 7
Views: 713

Re: auto insurance quotes

OK. I tried Progressive but they won't give me a quote unless I unfreeze my credit report for all 3 agencies (my wife and I). Being a BH, I don't want to spend the $60 to unfreeze all 3 for my wife and I unless it is worth it. Very strange as I have all three of mine frozen and have been able to ge...
by SimonJester
Thu May 24, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 32
Views: 2798

Re: Anyone using Obitalk for Google Voice?

VictoriaF wrote:
Thu May 24, 2018 11:17 am
Is it possible that the problem was not with the OBi device but with the lack of capacity in the VoIP network it is using?

Victoria

I experienced a similar issue around the same time, so perhaps there was an issue with GV...