Search found 1337 matches

by SimonJester
Tue Jan 16, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3062

Re: How long do you save tax returns?

When in doubt, throw it Out! We keep a couple years only. +1 Having had to go through a deceased relative's 40 years of paper work and determine what needed to be shredded and what needed to be kept, do your heirs a favor and clean up. It took WEEKS to shred everything and we still had three banker...
by SimonJester
Fri Jan 12, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: International return of purchase
Replies: 1
Views: 158

Re: International return of purchase

My vote would be one of these two, probably the last one... - accept delivery and ship it back on my dime? This will cost me at probably $100 in shipping costs including the vendor's cost of shipping to me that they will probably not refund. However, I'll be done with this vendor - accept delivery a...
by SimonJester
Wed Jan 10, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: 529 high school withdrawal
Replies: 6
Views: 583

Re: 529 high school withdrawal

Hmmm How about withdrawling the amount I pay towards the school district in my property tax, I mean that is paying for my kids "tuition" right? :D
by SimonJester
Wed Jan 10, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2415

Re: Lease a Silverado 4x4 extended cab for $152 month?

What are you going to use the truck for?
I have a Silverado 4x4 Extended cab with the 5.3 V8 engine, I would not go with a V6.
by SimonJester
Sun Dec 31, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1509

Re: Ever drink Chartreuse?

Yes we have had it and still have a small bottle with a bit left. My wife has used it in place of absinthe in sazeracs. Unique flavor for sure!
by SimonJester
Sat Dec 30, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 16
Views: 1237

Re: How to pay college tuition froma 529?

The options available to you would I think depend on the specific 529 plan you choose. For the Missouri MOST 529 plan (administered by Vanguard), the distribution choices are: - Direct ACH electronic funds transfer to the bank of the account owner (in most cases the account owner would be a parent)...
by SimonJester
Fri Dec 29, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2565

Re: Use of 2FA Held My Accounts Hostage

I never have an issue discovering optimal security procedures for accounts. I have posted my overdone security procedures before and won't be doing it again. Its not possible to socially engineer my accounts due to the systems I've put in place. I would expect a certain someone would be coming back...
by SimonJester
Fri Dec 29, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Stopped Check 2018 Property Tax - Etiquette to County?
Replies: 38
Views: 3254

Re: Stopped Check 2018 Property Tax - Etiquette to County?

I would get ahold of your county tax assessors office and tell them you wish to cancel the transaction and the check has a stop payment on it. Otherwise it may be returned to the county by their bank and they may charge you a fee.
by SimonJester
Fri Dec 29, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Coverdell (at TDA) transfer to 529 (after new tax law in effect)
Replies: 9
Views: 572

Re: Coverdell (at TDA) transfer to 529 (after new tax law in effect)

Here is where it can be tricky. On the Vanguard form: The 529 plan or ESA from which you’re moving assets must have the same account owner name and Social Security number or other taxpayer ID number as your Vanguard 529 Plan account. So if the ESA was opened under a minors SSN and the 529 is under y...
by SimonJester
Thu Dec 28, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Frozen credit and TMobile
Replies: 5
Views: 426

Re: Frozen credit and TMobile

Transunion for me as well. One you try to sign up for the account they will attempt to run the credit check in the store. It will fail because of the freeze and the store rep will be given a number to call to speak to the back end T-mobile department that deals with credit checks. Those folks will b...
by SimonJester
Wed Dec 27, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2565

Re: Use of 2FA Held My Accounts Hostage

Right now there is an ongoing hack against one of the major national banks and a cell phone company. Thieves are able to port your cell number from your current cell provider to their cell provider / SIM card. They now have your cell number and request a password reset / 2FA code which your bank sen...
by SimonJester
Tue Dec 26, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48524

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

What I haven't seen discussed is what this does at the State Tax level for income tax. My state does a flat tax based on your federal taxable income. With the elimination of the personal exemptions your taxable income goes up (if you have any dependents or are married). This was offset at the federa...
by SimonJester
Tue Dec 19, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4143

Re: opinions requested on student college decision / financial related

Her starting pay will be the same no matter which school she goes to. Save the money and have her continue onto a masters and or the NP or PA route. There is NO nursing shortage, the field is VERY saturated and highly competitive right now. It is back breaking (literally) work with little appreciati...
by SimonJester
Fri Dec 15, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2173

Re: What are your favorite tax deductions and credits for 2017?

Child credits - yes, raising children costs citizens of your nation money and you should not penalize them if you hope they eventually will be contributing to your country. I love the fact this ends at age 16. Because my 17 and 18 year old cost less then a 6 year old, Not! They should extend this t...
by SimonJester
Thu Dec 14, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Is Room and Board Deposit a 529 Qualified Expense?
Replies: 6
Views: 741

Re: Is Room and Board Deposit a 529 Qualified Expense?

I called Vanguard for #3 the answer is no they do not have the option to send a check to the school with an ESA. You can do this with a 529 plan however...
by SimonJester
Thu Dec 14, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Is Room and Board Deposit a 529 Qualified Expense?
Replies: 6
Views: 741

Is Room and Board Deposit a 529 Qualified Expense?

For those that have gone through this process, My oldest will be going off to college in the fall of 2018. Housing applications are now open, one question I have is a room and board deposit considered a qualified expense for 529? They require a $600 deposit, of which "$200.00 will be held as a secur...
by SimonJester
Mon Dec 11, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Sprint one year free - what an ordeal!
Replies: 12
Views: 1656

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: 312

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: 747

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: 131
Views: 11343

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: 3753

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: 3311

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: 3311

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: 1576

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: 38435

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: 131
Views: 11343

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: 3875

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: 491
Views: 63019

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: 5423

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: 1699

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: 1824

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: 2015

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: 4287

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: 563

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: 6728

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: 1049

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: 2199

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: 379

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: 379

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: 379

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: 279

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: 1744

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: 4861

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: 1746

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: 1746

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: 318

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: 3084

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: 491
Views: 63019

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: 3093

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: 3093

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.