Search found 1685 matches

by SimonJester
Tue Dec 18, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Any Credit score experts in here?
Replies: 6
Views: 582

Re: Any Credit score experts in here?

Thanks for the reply's. IMHO this credit score is a bunch of BS. Like buying insurance, I have a daughter that never had a wreck or ticket but does have bad credit. She cant afford insurance because her bad credit score. She would love to have insurance but she has to feed her family too . Hopefull...
by SimonJester
Tue Dec 18, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Should I file an insurance claim?
Replies: 4
Views: 538

Re: Should I file an insurance claim?

I would be also worried you may get dropped completely from your insurer. I agree with grasshopper check your CLUE report as this will follow you between insurance carriers.

Personally I would probably just pay out of pocket...
by SimonJester
Mon Dec 17, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 2920

Re: Airbnb as side gig

So I wonder how many smaller incidents Airbnb refuses to resolve on behalf of hosts when there's a need to get a payout from that insurance policy they promised upfront. As a disclaimer, I previously used to host. I've discontinued it because I've found that they ALMOST ALWAYS side with the guest w...
by SimonJester
Mon Dec 17, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs American Op credit & living at home
Replies: 28
Views: 797

Re: 529 vs American Op credit & living at home

<< As per my understanding, OP can pay the Spring 2019's tuition in 12/2018. >> << I believe you have stated this correctly. AOTC and 529 withdraws are based on the year in which they are paid. >> That was my point. As long as OP pay the 2019 Spring tuition in 2018, he could claim the 2018 AOTC cre...
by SimonJester
Mon Dec 17, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs American Op credit & living at home
Replies: 28
Views: 797

Re: 529 vs American Op credit & living at home

<< As per my understanding, OP can pay the Spring 2019's tuition in 12/2018. >> << I believe you have stated this correctly. AOTC and 529 withdraws are based on the year in which they are paid. >> That was my point. As long as OP pay the 2019 Spring tuition in 2018, he could claim the 2018 AOTC cre...
by SimonJester
Mon Dec 17, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs American Op credit & living at home
Replies: 28
Views: 797

Re: 529 vs American Op credit & living at home

^There are many ways the live-at-home cost could exceed the published suggested cost, but so what? So why should the IRS have any issues with someone who simply claimed the full amount of the school's published at-home living cost? I know this is a somewhat rhetorical question, and directed more at...
by SimonJester
Mon Dec 17, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs American Op credit & living at home
Replies: 28
Views: 797

Re: 529 vs American Op credit & living at home

Just an FYI, Room and Board do not count as qualified expenses for the AOTC only tuition and "certain related expenses". See Pub 970 from the IRS: https://www.irs.gov/pub/irs-pdf/p970.pdf However this is all ok since you had the 529 pay you and you paid the school. Per Pub 970 you use the schools al...
by SimonJester
Sun Dec 16, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 187
Views: 13499

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

There has been a big drive by employers over the last few years to do “wellness checks” of their employees. The employers offer screening tests such as lipid panels, serum chemistries, PSAs on their otherwise asymptomatic employees with the idea of promoting a culture of wellness and of improving t...
by SimonJester
Sat Dec 15, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Choose gold or silver health insurance plan through work?
Replies: 4
Views: 345

Re: Choose gold or silver health insurance plan through work?

I do get lab tests so the question is if it is worth the $1800/year; generally its not. Another important factor is it seems that things that are subject to co-insurance my payment would be only 20-30% with Gold and 40% with Silver . This would only be significant if I needed to be hospitalized, et...
by SimonJester
Sat Dec 15, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 35
Views: 1848

Re: If you have credit monitoring do you need to freeze credit?

Thanks. All fair points, even if they hurt a little. haha. So next question is how awful is it to freeze your minor children? This is a felony in most US jurisdictions. :P What are you talking about? Here is the process from the three main credit agencies: https://www.experian.com/freeze/form-minor...
by SimonJester
Sat Dec 15, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 55
Views: 5520

Re: Should you always use a 529?

Just keep in mind money in the kids name is weighted the heaviest for financial aid. In order words you are better off having the money in your name as the parent or a 529. In all of this keep in min your time horizon, you have 4 years until you need to make a withdraw and between 0 and 4+ years in...
by SimonJester
Fri Dec 14, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 55
Views: 5520

Re: Should you always use a 529?

Would you put money into a 529 for a 14yo? He is highly likely to go to college and has siblings. We get no state deduction though. The other alternative seems to be to put the money he got for college from his grandfather ($10K) into a stock account, and then sell every year to up-the-basis as lon...
by SimonJester
Fri Dec 14, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 14
Views: 1815

Re: 2018 form 1040 released

I still dont get the change in format to a 1/2 sheet vs full sheet.
by SimonJester
Thu Dec 13, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Grandfathered T-mobile plan, change SIM
Replies: 8
Views: 408

Re: Grandfathered T-mobile plan, change SIM

If you have a t-mobile store try going in and talking to them. years ago I was on the same prepaid grandfathered plan and was able to move service to a new SIM without any issues. I later moved from prepaid to post paid and converted the prepaid balanced over. That was an adventure, but my local t-m...
by SimonJester
Thu Dec 13, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 25
Views: 1163

Re: Buying used car

Also use the Car FAX report to determine how many owners it has had. Ideally try and find a single owner vehicle with maintenance records reported, where it has been registered in your local area. I agree with others seems like too many miles per year, could be a lot of highway miles, or perhaps it ...
by SimonJester
Tue Dec 11, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3957

Re: Donate to homeless?

Just to echo what other said, I give to the organizations that support the homeless. They can take that same dollar and stretch it much further to help many more people then just the one singular person you give it to. This way you also know its truly helping the homeless and you are not being scamm...
by SimonJester
Tue Dec 11, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance through employer or third-party?
Replies: 21
Views: 1108

Re: Health Insurance through employer or third-party?

I just picked up a new job, and with it comes health insurance. So now it's decision time. My wife still has her old pre-ACA health insurance. With my previous job, we just kept her on that plan and put me and our toddler on my work plan. But changing jobs means it's time to revisit it. Here are th...
by SimonJester
Tue Dec 11, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 33
Views: 2248

Re: PC Build Suggestions

What's a good sound card for gaming these days? My current build has the Sound Blaster X-Fi Fata1ty. I've been planning a new build since 2016 but haven't got around to doing it yet. I'm sure what I had spec'ed out then is out of date or at least, a lot cheaper now :mrgreen: Most of the hardcore ga...
by SimonJester
Mon Dec 10, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 18
Views: 2255

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

Christmas tree water recipie, all ingredients approximate volume depending on size of container: 1 quart water 1 cup vinegar 1/2 cup sugar 1 copper penny Have used this for years and a real tree lasts a long time. Be sure to cut off the bottom two inches of the trunk immediately prior to submerging...
by SimonJester
Mon Dec 10, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15329

Re: LED light bulbs

I have had 6 or 8 of the Costco FEIT bulbs burn out prematurely. I have been using them for about two years now. I am curious are you returning them to Costco or warranting them through FEIT? I have been going to FEIT to get my replacements. I took mine back to Costco and exchanged for a new bulb(s...
by SimonJester
Mon Dec 10, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 33
Views: 2248

Re: PC Build Suggestions

I think its a good build. What OS are you planning to run? If windows and you do not currently have a retail copy you will need to purchase the OS. The Windows OEM OS does not transfer between PCs. If windows your OEM license will tie itself to the motherboard so think about the best processor bang ...
by SimonJester
Mon Dec 10, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15329

Re: LED light bulbs

I have had 6 or 8 of the Costco FEIT bulbs burn out prematurely. I have been using them for about two years now. I am curious are you returning them to Costco or warranting them through FEIT? I have been going to FEIT to get my replacements.
by SimonJester
Mon Dec 10, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6882

Re: Electric bill with LED

My average daily KWH usage went from about 20 to 18 when I swapped out all my CFLs to LEDs. At my utility rate I save about $4.50 per month. Word of warning save your receipt. If these are the FEIT brand they are burning out early. I have had some go out in as little as 3 months. I purchase mine in ...
by SimonJester
Sun Dec 09, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 18
Views: 2255

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

I think changes in modern Christmas tree lighting had made this issue even rarer. I remember as a kid those Christmas tree lights would burn you quick if you touched them. Now many people are using LED lights that produce next to no heat. I have many drier wood products in my house that have lights ...
by SimonJester
Fri Dec 07, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 891

Re: Occlusal guard (night guard) from dentist vs online

My DDS recommended first trying out the cheap make it yourself ones you can buy from the grocery / drug stores. Reasoning you might get away with spending only $10 or $15, but also you might find out you simply cannot adjust to having a mouth guard in your mouth all night. No sense in spending $600 ...
by SimonJester
Tue Dec 04, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?
Replies: 11
Views: 806

Re: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?

Its a good idea to match your Left, Right and Center speaker, ie choose these three from the same model line. Speakers can be subjective and room shape / size, personal preference all come into play. I went with Polk for my center, left and right, then Bic America for rears in a 5.1 setup. avsforum ...
by SimonJester
Tue Dec 04, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Lifting credit freezes....anyone run into this? now need to create accounts
Replies: 10
Views: 1453

Re: Lifting credit freezes....anyone run into this? now need to create accounts

This is absolutely insane, there was no account verification on Equifax at all. I thought they would at least ask the normal security questions like when obtaining a credit report for the account creation. So yes create the account before someone else creates it for you...
by SimonJester
Sun Dec 02, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3029

Re: Has anyone on this board painted over wallpaper?

I removed wallpapaer from two room in my current house. Not sure the age of the paper when I removed it but it wasnt a hard job. I purchase a scorer and a adhesive dissolver made for wall paper removal. You scored the paper which put lots of little holes in it, then painted on the dissolver let is s...
by SimonJester
Sun Dec 02, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 39
Views: 3447

Re: Finance only laptop? Can I use an old one?

One downside to a dedicated laptop, you are going to use is less frequently so often times you will be booting it up and need to patch it before you begin working. Or it will go un patched and leave you in a less secure position. My advice is use secure passwords and have a different one for each si...
by SimonJester
Sat Dec 01, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 3981

Re: declining employer benefits?

At my wife's last three employers and her current one, you can decline but you get nothing. My current employer you can also decline everything and again you get no additional money.
by SimonJester
Tue Nov 27, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3308

Re: Quicken 2019 and forward

Downloading financial data from your bank, credit union, credit card, brokerage, 401(k) or mutual fund accounts - HOPE TO SIGN ON, CREATE QUICKEN FILE, DOWNLOAD. This will not work if your quicken is "expired", they have code built into the software to prevent it... It becomes manual entry of trans...
by SimonJester
Mon Nov 26, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?
Replies: 35
Views: 1719

Re: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?

FYI, my FIL actually experienced this (minus the coma)... The hospital social workers will help you fill out the COBRA paperwork because they want to bill insurance. COBRA is retroactive, so in my FIL case he was admitted to the hospital (90 day stay) and they filled out the COBRA paperwork while in...
by SimonJester
Mon Nov 26, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Truck Now?
Replies: 11
Views: 865

Re: Should I Buy a Truck Now?

Do you have a place to park / store the truck when not in use. Are you ok with the extra insurance and vehicle maintenance costs? How many times a year do you plan on using the truck for the business? How many miles will you be putting on it per year?
by SimonJester
Mon Nov 19, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18465

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

Pulled the trigger on the Walmart deal, thanks for that!

One item I am seeing, I am not sure the software has the $500 Credit for Dependents built in yet.
by SimonJester
Mon Nov 19, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Water Vapor "Fire"place
Replies: 2
Views: 663

Re: Water Vapor "Fire"place

How often do you use your fireplace now? I have an traditional brick wood burning fireplace. We use it once or twice a year around the holidays. I have thought at times about getting an insert but I just cannot justify the costs vs how much we would use it. I think a heat less water vapor fireplace ...
by SimonJester
Wed Nov 14, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 3975

Re: Anyone have a bad experience with HDHP?

I would say that one gotcha can be prescriptions. Under my companies PPO plan prescriptions are like $10 - $30 depending on generic vs name brand. Under the HDHP we pay the FULL cost of the prescription and it counts towards the deductible. This may be a shocker when you fill a prescription and have...
by SimonJester
Mon Nov 12, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 12
Views: 1040

Re: Is it worth it to rent our house?

I recommend reading various forums on landlord and tenant issues. Things could go well for you and you could get an ideal tenant that pays on time and doesn't trash your place. On the other hand, there is a never ending plethora of accounts opposite to my first....
by SimonJester
Mon Nov 12, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1122

Re: Help! yet aother PPO vs HDHP plan

I have thought about this. Sometimes the medication cost quoted by our drug plan cost way more than what you can get yourself with a GoodRx coupon. It is ridiculous. In order to fill up your deductible/out of pocket maximum, you are almost forced to pay the inflated prices quoted by your drug plan....
by SimonJester
Mon Nov 12, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Is it safe to keep using a phone after it stops receiving security updates?
Replies: 8
Views: 855

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

I would not use it to access any financial or banking information. You might be out of compliance with your financial institutions online agreement and thus no longer covered by their security guarantees. Here is the one from Vanguard: Further, you are fully responsible for all activities occurring ...
by SimonJester
Sat Nov 10, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in my situation
Replies: 17
Views: 1605

Re: Emergency fund in my situation

I still stand by 3 to 6 months of living expenses. While your job income is stable what if you got sick and had to take off 6 months while hospitalized? After you pay the deductible I am sure you have co insurance. You live in a town home, what if the roof is damaged and they assess each unit $10K f...
by SimonJester
Sat Nov 10, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6148

Re: How to stop junk mail for a deceased person

I had the same problem even after notifying the senders (mostly magazine companies) and the Postal Service. Finally I sent a new change of address to the cemetery where she currently resides. Never heard from them again Very clever ! Not so sure, my wife just received a very import document 8 years...
by SimonJester
Fri Nov 09, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1585

Re: Group life insurance through work

I think you are making a wise choice. I would suggest if the costs are not much different get the 15 year plan now in case you have some bumps in your financial plan. You can always cancel after 10 years if you feel you do not need it...
by SimonJester
Thu Nov 08, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring - Need All 3 Credit Bureaus Included
Replies: 7
Views: 533

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

Thanks for the suggestion, however, I'd prefer not to freeze the credit since I might apply for a new credit card from time to time. You can temporarily unfreeze your credit to apply for credit cards. Should be done in less than an hour and for free. https://www.nerdwallet.com/blog/finance/how-to-u...
by SimonJester
Thu Nov 08, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job vs term life insurance
Replies: 35
Views: 3084

Re: Job vs term life insurance

From that brochure You can generally convert your Group Life insurance benefits to an Individual Whole Life insurance policy No thanks Go get a term policy outside your employer, while you are young, before you get sick and need to leave your employer. I have had two realities with all their life in...
by SimonJester
Mon Nov 05, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18465

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

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

This is a big turnoff for me from purchasing directly from HRBlock. I can purchase this software from Amazon without this fee...
by SimonJester
Sat Nov 03, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Group life insurance through work
Replies: 20
Views: 1585

Re: Group life insurance through work

You will be able to continue coverage under COBRA for at least 18 months as long as you are not fired for "gross misconduct". You will need to pay the full cost, and maybe a small management fee. Under current law, you cannot be refused coverage due to pre-existing conditions, so you could always g...
by SimonJester
Sat Nov 03, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 1011

Re: Migrating Win 10 to SSD

I agree with this. I cloned my 1TB hard drive to a 500GB SSD. I was able to do this as I was using less than 500GB on the original drive. That said, I had to use Paragon to resize the drive partition as I imaged the drive. The software that came with the drive (Samsung EVO) didn’t seem to like this...
by SimonJester
Sat Nov 03, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 1011

Re: Migrating Win 10 to SSD

I migrated my Win10 box from HDD to SDD a few months ago. The SDD drive I purchased (Samsung EVO) came with software to migrate the drive. It was probably the most simple drive cloning software I have used. So if you look into the Samsung drives they come with the cloning software. Now if you are lo...
by SimonJester
Fri Nov 02, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2914

Re: help this RN negotiate job change

Also look at both jobs in their entirety, patient load at both places, commute, atmosphere of the unit, other benefits. Pay is only one part of the equation. If possible ask to shadow the unit for a day before you make a decision. My wife did this with her last job switch and she was able to get a g...
by SimonJester
Fri Nov 02, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Equifax Data Breach
Replies: 10
Views: 1371

Re: Equifax Data Breach

GoldStar wrote:
Fri Nov 02, 2018 5:23 am
I never signed up as I don't see the point in credit monitoring.
All my credit is frozen.
+1, This should become the default option for everyone's credit files. Absolutely no reason not to freeze now that its all free...