Search found 1612 matches

by SimonJester
Tue Sep 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 21
Views: 1459

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: 1054

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: 262

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: 262

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: 972

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: 795

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: 145
Views: 7760

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: 8208

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: 4438

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: 4480

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: 4438

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 ...
by SimonJester
Sun Sep 09, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4438

Re: How much do bogleheads save in 529?

So I guess if your goal is to not save money so you can go into debt with a parent plus loan when sending your kids to college go fore it. SimonJester, 1) I do not save for college education. 2) My FI is fully funded. My portfolio is at 21 times my current annual expense. Hence, I no longer need to...
by SimonJester
Sun Sep 09, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4438

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 ...
by SimonJester
Sun Sep 09, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4438

Re: How much do bogleheads save in 529?

Is that correct? As per my understanding, FAFSA is based on AGI. Aka, income after retirement account deduction. Hence, in this case, the possibility of qualifying financial aid increases since both AGI and the asset counted will be very low. In this case, it is clear-cut. Do not contribute to 529....
by SimonJester
Sat Sep 08, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3018

Re: Selling a newish vehicle yourself, how to do it?

As a buyer I would ask, "Are there any issues you know of with this vehicle?" I would record the seller's statement on this. In my state, I don't even have to tell the seller that they are being recorded. If the seller said "no" and later I found out that there were substantial issues, I'd sue the ...
by SimonJester
Sat Sep 08, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1657

Re: Buy a house that needs full renovation?

alil, Your $300k budget for a house in the neighborhood does not seem high enough. This house plus renovations will go way beyond $300k. A 10% increase in the budget would get you into the neighborhood (move in ready house for $334). If it's such a hot housing market, why has it not sold in 2 month...
by SimonJester
Sat Sep 08, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Rec. for a specific type of internet router
Replies: 33
Views: 1465

Re: Rec. for a specific type of internet router

Bob, youv'e got it and I'm on the NW side too. We have an unfinished attic and talked about putting a router up there - but the operating temperature of routers only goes as low as 0*C - our attic is routinely below freezing for a couple of months. We tried having the 'cable modem wifi router' come...
by SimonJester
Sat Sep 08, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2470

Re: time for new pair of glasses

Also check Sams club. The vision center inside Walmarts are not actually run by Walmart, they are an independent company. We usually go to one of these for my kids eye exams and my wife decided to go that route for her last exam and glasses. Thankfully she did not end up purchasing glasses from them...
by SimonJester
Sat Sep 08, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Ford F-150 Technical Service Bulletin, legal ramifications
Replies: 24
Views: 1835

Re: Ford F-150 Technical Service Bulletin, legal ramifications

To add to what others have said, get the truck into the dealer to document the issue now while the truck is under warranty. They are likely going to want to just fill the truck with new oil then see what happens by the next oil change. How often are you changing the oil, this issue could easily exte...
by SimonJester
Fri Sep 07, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 29
Views: 2624

Re: Received inquiry about purchasing domain name based on my own last name. How to respond?

try the domain name appraisal tool from godaddy:
https://www.godaddy.com/domain-value-appraisal

Should give you an idea what they think its worth...
by SimonJester
Fri Sep 07, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3018

Re: Selling a newish vehicle yourself, how to do it?

Car selling tips: 1) Definitely use a throwaway phone # and email. 2) Don't use KBB or any other website to value and price the car. It's BS. Get a trade in offer from a dealer or Carmax. That's the low. Look at completed sales for similar cars e.g. eBay. Most cars listed on Auto Trader or Cars.com...
by SimonJester
Fri Sep 07, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: [security] Log into dummy account on Windows/phone?
Replies: 6
Views: 482

Re: [security] Log into dummy account on Windows/phone?

It sounds like if you are "forced to log into your computer or phone", you've got bigger problems than the contents of the device :shock: +1 really who is going to force you to log into your system. Yes there are encryption systems that operate the way you describe and veracrypt talks about this: h...
by SimonJester
Fri Sep 07, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: taking home equity for credit card debt?
Replies: 19
Views: 1206

Re: taking home equity for credit card debt?

NO NO NO NO NO NO and NO. Never trade unsecured debt for secured debt. Get on a written budget and reduce expenses to pay it off. Check out Dave Ramsey's plan for getting out of debt. I know people who have done this and then ended up still having to sell their house because the situation never chan...
by SimonJester
Thu Sep 06, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3018

Re: Selling a newish vehicle yourself, how to do it?

Everyone suggesting the buyer leave their drivers license behind, would you as a buyer do that? I would not agree to that as a buyer, sure I would show it to you, and you can come on the test with me. In my state I am required to have the license on my person while driving or I am subject to a class...
by SimonJester
Wed Sep 05, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1162

Re: Your experience with Nitrous for a dental implant?

I'd appreciate input from folks that have had this done and opted for the nitrous over general. Nitrous works better at New York's altitude than Denver's. Where do you live? For race cars or dental procedures? And why? Perhaps its because when living at Denver's Altitude there is no oxygen in the a...
by SimonJester
Wed Sep 05, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1162

Re: Your experience with Nitrous for a dental implant?

I just had an implant placed in a front tooth a little over a month ago. Mine did not involve an extraction as that tooth was extracted years before in a similar situation to yours (Root canal, abscess, extraction, 2x bridge failures :( ). I went with local Novocain only, it wasn't a big issue for m...
by SimonJester
Tue Sep 04, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9399

Re: How to "waste" money on groceries?

There is some science to suggest that beef from grass fed cows actually has better bacteria for your gut (I won't argue this one way or the other - for me the taste is different enough to pay the premium price). But all cows in the US start out grass-fed, its finishing that changes to grain fed... ...
by SimonJester
Sun Sep 02, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3209

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

I was leaning towards plenum -- though more of a commercial code requirement than a residential code requirement -- just because it's not made with PVC jacket, which when burned gives off toxic fumes. Not only does it benefit the building's occupants but also the firefighters who may have to enter ...
by SimonJester
Sat Sep 01, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2560

Re: Medical liability claim settlement. What is fair?

Morally the pain and suffering money goes to your daughter. I would explain to your daughter she should set aside the money in case of future medical issues resulting from the injury.
by SimonJester
Sat Sep 01, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3209

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

Ive done this both in my profession and to my own house 1970s construction. Just to add to what others have said, I would go ahead and purchase a fish tape in addition to the glow rods. In a residential setting the fish tape is just more useful. A simple hand drywall saw is going to be easier to cut...
by SimonJester
Thu Aug 30, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3547

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

The answer is that it is going to vary from facility to facility, and has to do with the company running things. My Wife is a RN working in one such facility and has worked in a couple of other facilities as well as various hospitals. The one she works in now has a very long waiting list to get into...
by SimonJester
Wed Aug 29, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4054

Re: Bone in my food

Years ago I ordered a chicken salad at a national chain restaurant. As I got to the bottom of my salad much to my horror I found a used piece of chewing gum! I almost lost my cookies. I was too embarrassed to say anything, and to young to know better....
by SimonJester
Mon Aug 27, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Savings bond education tax exclusion, 529, AOTC, Oh My…
Replies: 2
Views: 266

Re: Savings bond education tax exclusion, 529, AOTC, Oh My…

I assume you are aware of the AOTC income limits. Yes assume within the AOTC and Savings Bond income levels... If my calculations are correct, assume the 22% federal tax bracket; the $200 of savings bond interest would be $44 savings on federal tax. Colorado has a flat 4.63% income tax, so the $1,2...
by SimonJester
Mon Aug 27, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Savings bond education tax exclusion, 529, AOTC, Oh My…
Replies: 2
Views: 266

Savings bond education tax exclusion, 529, AOTC, Oh My…

The Fun has started... I would like to see what other weigh in on this. I believe the following is true, You can take the Savings bond education tax exclusion on I-bonds, and withdraw from a 529, plus claim the AOTC under the following. You contribute to the 529 plan in the same year in an amount eq...
by SimonJester
Mon Aug 27, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: VRBO (or equiv) or RV to see America?
Replies: 12
Views: 1448

Re: VRBO (or equiv) or RV to see America?

Also be aware some RV parks require a newer RV to stay there, Some will not allow anything older then 10 years...
by SimonJester
Mon Aug 27, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Recast plus lump sum prepayment -
Replies: 11
Views: 890

Re: Recast plus lump sum prepayment -

Looks like this new home purchase is going to be tight on your monthly budget. You are also NOT maximizing your 401k and IRAs With the sale of the old home, I would first try to hit the max on the 401k and IRAs for this year (say 10K). If the extra 500 that you put towards car loan gives you the co...
by SimonJester
Mon Aug 27, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership
Replies: 35
Views: 3247

Re: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership

I have a mixed strategy, one vehicle was bought new and has had no mechanical issues. Two others bought used as older vehicles. I will drive / hold as long as I can with each vehicle. Vehicle #1) Bought new 2004, Toyota Sienna Minivan, driven now approx 100K miles in 14 years. No major repairs, only...
by SimonJester
Sat Aug 25, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: My son is 1 years old now I want to save money for him Help me with some options on where to save
Replies: 15
Views: 1405

Re: My son is 1 years old now I want to save money for him Help me with some options on where to save

Also if he does want to go to college I don't want it to affect financial aide if needed. For most bogleheads Financial aid means a small amount of student loans directly to dependent and the big portion as parent plus loans, where you the parent and responsible for the loan. Also money in a 529 is...
by SimonJester
Sat Aug 25, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 8584

Re: Costco Kirkland Brand Liquor

So our local Costco did end up buying out the liquor license of the attached liquor store and now sells liquor inside the store. We were disappointed in the 7 year bourbon as other mentioned you cannot drink it neat, only for mixing. I have also started comparing their prices against another large l...
by SimonJester
Fri Aug 24, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7651

Re: I still use cash not credit cards should I reconsider?

Why not give it a try for a month or two and see what happens to your spending. I track every single purchase cash or credit in quicken. Set your cards to auto pay the full balance every month so you never pay interest.
by SimonJester
Thu Aug 23, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: CC 31 days overdue
Replies: 22
Views: 2083

Re: CC 31 days overdue

I would also add, especially for seldom used cards, to add alerts to your card for any transaction in any amount. You will then get an email when transactions hit and you can confirm if they are legitimate. I have this for all my CC cards, debit cards, checking / savings accounts. For my main cards ...
by SimonJester
Thu Aug 23, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3755

Re: Mold in house and insurance won't cover - options?

Personally I think mold remediation companies are ripping people off based on fear. We live with mold in the air all around us, and unless the infestation is extreme or you are a person who is highly allergic you can clean it up yourself. First thing you need to do is stop the water intrusion into t...
by SimonJester
Sun Aug 19, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2779

Re: Negative Insurance Discount with United Health Care and Sentara

My wife has had the same thing with a CT scan, cash rate was $190, insurance rate $400ish. We are on a high deductible plan and would have had to cover the $400, so we paid cash. As others pointed out the $190 would not count towards your deductible. Are you sure the provider was in network? Out of...
by SimonJester
Sat Aug 18, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2779

Re: Negative Insurance Discount with United Health Care and Sentara

My wife has had the same thing with a CT scan, cash rate was $190, insurance rate $400ish. We are on a high deductible plan and would have had to cover the $400, so we paid cash. As others pointed out the $190 would not count towards your deductible.
by SimonJester
Sun Aug 12, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1426

Re: Unlocked iPhone on eBay or Amazon?

I bought several 5s for my kids from amazon and they all worked out ok. Again just research who the actual seller is and what the return policy is. I would steer clear of ebay due to the scams and what not.
by SimonJester
Sun Aug 12, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Refinishing Exterior Stucco
Replies: 8
Views: 791

Re: Refinishing Exterior Stucco

My father a master craftsman plasterer of 40+ years says you cannot stucco over painted stucco unless you remove the paint first. Once you paint it, you must now always maintain it via additional paint coats. There are bonders and such that claim you can stucco over paint but he says nothing will la...
by SimonJester
Sat Aug 11, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Advice requested: making a HO claim for a roof/hail
Replies: 21
Views: 1088

Re: Advice requested: making a HO claim for a roof/hail

Have an adjuster climb up on your roof and check for damage. If there is damage that warrants replacing the roof, replace it. The reason I haven't done this is because I read that if I initiate a call to my insurance, they inspect, and they find no damage (or if they find minimal damage and we deci...
by SimonJester
Fri Aug 10, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage....risk?
Replies: 14
Views: 1139

Re: Paying off mortgage....risk?

So isn't this risk sufficient enough NOT to pay off mortgage? Please advise if there's something wrong with my logic. Thanks. No its not, what you are missing is that every mortgage payment a sizable chuck of the payment goes to the bank. Its gone, lost to your forever in the form of the interest p...
by SimonJester
Thu Aug 09, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 504
Views: 111089

Re: Anyone regret paying off mortgage early?

I have no regrets on paying off the mortgage... By not writing a check every month, I was able to put that mortgage payment into the stock market in my 401k, Roth IRA, etc. When your mortgage is paid off if you are smart you don't just blow that mortgage payment every month. This essentially becomes...
by SimonJester
Thu Aug 09, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 3907

Re: Dental implant in Tijuana

Another issue to consider, the number of appointments needed to complete the treatment. I will be making a total of 7 to 8 appointments spread out over 4-8 months for my implant. The actual implant surgery was only about 1/3 the cost of the total restoration.