Search found 1620 matches

by Saving$
Tue Nov 13, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9543

Re: Granddaughter needs $ help for university

1. She needs some guidance. Please take up this job... help her learn how to plan for her finances... 2. She should have done a FAFSA last year for this school year. If she did not, she will learn a hard lesson. - a. help her negotiate with the school to keep her scholarship and put her attendance o...
by Saving$
Tue Nov 13, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: cash compensation for swapped furnace and coil
Replies: 11
Views: 1293

Re: HVAC contractor swapped the furnace

AC units look to be the same. Furnace and coil look like different model #'s. 1. Do some research on Carrier's website and find out the differences in the units. Furnace & evaporator are usually sized to go with AC. Make sure your set is an appropriate match. 2. Hire an independent third party to ev...
by Saving$
Wed Nov 07, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 21
Views: 1204

Re: Need help! 3 HVAC intstallation quotes

Based on the info you shared, go with the Trane. But you don't have enough info. 1. What is the tonnage of the cooling portion and btu of the heating portion on the units in each of these quotes? Are any of them multi stage units? 2. Did any of these proposers do a proper manual J calculation? 3. Wh...
by Saving$
Wed Nov 07, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: cost to rebuild hvac return in crawl space
Replies: 8
Views: 884

Re: cost to rebuild hvac return in crawl space

Do yourself a favor and spend your money to get rid of the musty smell in the crawl space. Crawl space should be sealed and dry and then crawl space air communicates with living area air. That way you have a healthier environment for your entire house. https://www.energyvanguard.com/crawl-space-enca...
by Saving$
Sat Nov 03, 2018 12:38 am
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 12
Views: 1982

Re: Damage caused by roofer, what are my options?

First, did you ever put the issue and your requirements for repair in writing? If not, send the roofer a certified letter that clearly and succinctly spells out what you want done, and give a very short timeline for repairs. Reference and include an attachment that lists all the times over the last ...
by Saving$
Sat Oct 27, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 3009

Re: USAA Multi Product Discount

Thanks so much for this. As much as I want to consolidate, the token mutual fund offers superb savings...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... I wonder how long these savings will ...
by Saving$
Sat Oct 20, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7800

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

I've been a Simplisafe user since 2014, but have decided to move to Ring (I'll switch over this weekend). Please post back and let us know how it goes. Ring certainly has the best pricing for ongoing monitoring, although I wonder how long that will last. They also have middle of the road pricing fo...
by Saving$
Tue Oct 09, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1381

Re: Smarthome system that is local

Wemo is not local either... I bought 4 sets of Wemo plugs in early August, just returned them all. - requires access to your main home network, cannot use your guest network. - device stores your network ssid and password. See first bullet. - Wemo cloud (Belkin) provides the interface, but you have...
by Saving$
Tue Oct 09, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving house to kids with a surviving spouse
Replies: 16
Views: 1889

Re: Leaving house to kids with a surviving spouse

IANAL, however: The things in the house do not "go with" the house. The house is an owned item (real estate), and the things in it are owned items. The simple way to deal with it in this situation is to leave all personal belongings to the surviving spouse. You can make exceptions for certain items ...
by Saving$
Mon Oct 08, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7800

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

The challenge with all of these seems to be the equipment is tied to the ongoing monitoring. Once they get enough market share (equipment sold) they can up the monthly cost to whatever they want - people will be stuck either paying it, having no monitoring, or buying new hardware. Looks like there a...
by Saving$
Mon Oct 08, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1381

Re: Smarthome system that is local

Wemo is not local either... I bought 4 sets of Wemo plugs in early August, just returned them all. - requires access to your main home network, cannot use your guest network. - device stores your network ssid and password. See first bullet. - Wemo cloud (Belkin) provides the interface, but you have...
by Saving$
Mon Oct 08, 2018 1:45 am
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1381

Smarthome system that is local

I'm somewhat familiar with the Google, Alexa, Apple, Nest and other smarthome systems that offer voice control via an internet connected mic that always listens. I have not delved into these systems because I find the amount of data these companies collect as part of the process very creepy. I don't...
by Saving$
Sun Sep 23, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1786

Re: HVAC Options -- Any advice?

Something is funny with this quote. They are giving you a heat pump ac/heater condenser and related stuff. Why? Then they are quoting a fulll gas heater. Why two heating units? If I were you I would ask what it costs to just put in a new dual mode heat pump heater and ac cooler all in one unit and ...
by Saving$
Fri Sep 21, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6668

Re: My Very First Smartphone — Please Critique This Plan

1. S9 is overkill. Get a good Moto for about $250. Then you don't need to worry so much about what happens if you drop or damage the phone. The G5 works on any network so you can go from Verizon to Att to Sprint to Tmob (or any of their MVNO's) 2. Don't ditch the landline and merge it into your cell...
by Saving$
Thu Sep 20, 2018 4:18 am
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 43
Views: 4929

Re: Yet another CP2000 for Roth IRA conversion thread

I also received the CP2000 for my backdoor Roth. Replied with copies of tax forms and note that I filed correctly and nothing was due. Received the "we are processing your response" letter. Now received a letter that states: "Thank you for your reply dated () to our notice about proposed changes to ...
by Saving$
Thu Sep 20, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7800

DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

Is there a reliable website that evaluates the many options that now seem available for a DIY home security system? SimpliSafe has been the default recommended on this board for a few years. However, their monthly monitoring seems expensive - $180/year for their basic - $302/year for the upgrade Oom...
by Saving$
Sun Sep 16, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Opportunity Zones & Opportunity Funds
Replies: 1
Views: 290

Opportunity Zones & Opportunity Funds

Does anyone know about the Opportunity Zones and Opportunity Funds created as a result of the 2017 tax act? I found this: https://www.irs.gov/newsroom/opportunity-zones-frequently-asked-questions Can an individual take advantage of this for their personal home - ie they sell investment real estate, ...
by Saving$
Sun Sep 16, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53864

Re: That Extravagant Thing You Do

Superauto coffee machine, which I learned about on this site.

House

Increased charitable giving

Organic groceries

Shoes

The older I get, the longer the list gets, which I consider progress. You can't take it with you.
by Saving$
Thu Sep 13, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2924

Re: Picking a Charity

No reply by the OP yet, but OP, consider giving your money to a cause that you would also be willing to give time or effort towards - Would you be willing to volunteer maintaining your local park - if so give to the park conservancy - Would you be willing to distribute, pick up or sort food at a foo...
by Saving$
Tue Sep 11, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Switched from Edward Jones - Need advice on selling equities
Replies: 7
Views: 787

Re: Switched from Edward Jones - Need advice on selling equities

Look at your last EJ statement for each asset's basis and current value. The difference between those is your gain, which is taxable. Try to make sure you have held most of that asset for at least a year by checking a year old EJ statement to make sure you owned close to the same number of shares a ...
by Saving$
Sun Sep 09, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 11298

Re: Umbrella Policy: Right amount for $7 mil net worth?

I'm not really sure the insurers are as expert at selecting lawyers as Afan's friend thinks. A few years ago, an acquaintance was named in a suit, and notified his insurance. They assigned an attorney who seemed to want to cut a deal, which would have cost well into the low 6 figures. He was furious...
by Saving$
Sun Sep 09, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2415

Re: What performance to expect from central AC?

approx 20 degree drop is the max you should expect. The unit running all the time may be exactly what it should do. Some of the better systems modulate with a variable frequency drive so they never turn off. Since the compressor uses the most power when it turns on, this, makes them much more effici...
by Saving$
Wed Sep 05, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: I hit the magic side hustle milestone in August
Replies: 19
Views: 4937

Re: I hit the magic side hustle milestone in August

1. Solo 401k
2. Increase withholding at regular job to cover taxes so you don't have to mess with quarterly payments.
by Saving$
Tue Sep 04, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2310

Re: HVAC annual contracts vs yearly annual cleaning

Abe wrote:
Tue Sep 04, 2018 4:55 pm
I just wash out the outside condensing unit and change filter myself once a year.
+1

Except I change the filter about 4x year, and save the entire cost less filters bought in bulk.
by Saving$
Sat Sep 01, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3402

Re: Nanny online payment services - why are they so expensive?

One of the online payroll services like Gusto might work for you. They are $45/, for the first employee, so $540/year.
by Saving$
Tue Aug 21, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 56
Views: 6038

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

Thank you for sharing this. Another consideration is the willingness of the LTC policy to actually pay out. A relative purchased LTC policies for parents, and the insurer kept denying the claims, stating they did not believe the person could not do the requisite number of ADL's without assistance, d...
by Saving$
Sun Aug 19, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: One more reason for Fidelity Visa
Replies: 15
Views: 3251

Re: One more reason for Fidelity Visa

From: https://www.usaa.com/inet/wc/advice-auto-rentalcarinsurancequestions?akredirect=true " If you rent through USAA's Alliance Services , which offers exclusive discounts on car rentals and other services, your policy will cover the damages previously mentioned. The rental car companies will waive...
by Saving$
Sun Aug 19, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 33
Views: 3447

Re: Apartment Decision After Divorce- Please evaluate my thinking

If the building is 5 level, the SE US is the only area I am aware of in which they build wood frame up to 5 levels. Everywhere else, 5 levels of apartments means it is a concrete building. If a concrete building, you probably do not need to worry about noise from above as much. A level of retail wit...
by Saving$
Sat Aug 18, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 14
Views: 1101

Re: Opinions and experiences with Verizon Prepaid?

Switched to Verizon prepaid about a year ago. Service has been much better than T-mobile, in a dense urban area, but still not perfect. Cost has been much less. Switched to their multiuser prepaid plan in May soon after it came out. One of the users had to get a new phone in June, which was purchase...
by Saving$
Wed Aug 15, 2018 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Hoping to Start on the Right Foot
Replies: 22
Views: 1587

Re: Newly Married and Hoping to Start on the Right Foot

Agree with paying off the relative. However, you seem resistant, so lacking that, here is what I would do: 1. Stop the $500 monthly contrib to brokerage account. 2. Use the emergency fund to pay off the $1600 student loan 3. Put the "found" $500 from item 1 and $200 from item 2 towards increasing TS...
by Saving$
Tue Aug 14, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2178

Re: Sidewalk repair - price in line?

City gave us a code violation for cracks in three sidewalks. The property in in S. Florida. I requested a few estimates and only one contractor responded. He wants to obtain a city permit, remove the old walks and replace them. The three sidewalks to be replaced are 8 x 4 feet each. I realize there...
by Saving$
Thu Aug 09, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3479

Re: Grind and Brew Coffee Makers - worth it?

Which superauto needs such little maintenance??? I have a Saeco, and am about to give up on it. It needs a major cleaning (remove brew group, etc) every time I empty the dregs box. The amount of unused grounds that spill out past the brew group is disappointing, but I have finally started to collec...
by Saving$
Thu Aug 09, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8764

Re: Huge mortgage mistake

At this point: 1. Keep sufficient emergency fund 2. Fully fund retirement accounts and HSA (401k/Roth, etc) 3. Use extra to pay down mortgage 4. When mortgage balance reaches 78% of purchase price, request dropping PMI. 5. If lender requires re-appraisal to drop PMI, run the numbers to see it cost o...
by Saving$
Tue Aug 07, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3479

Re: Grind and Brew Coffee Makers - worth it?

For the higher end super automatic machines what is the cleaning process like, especially for the used grinds? I assume you still need to empty and clean between uses? There's a small container that collects the grounds - they're pushed into a small puck - and after 10 or so cups the machine says t...
by Saving$
Sat Aug 04, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing donation of goods
Replies: 6
Views: 482

Re: Valuing donation of goods

Under the new tax law, you may not be getting any benefit from the charitable deduction this year onwards anyway. So this may turn out to be moot. Based on the new tax law tiers, my prior years itemized deductions, and my understanding of thn new tax law, including State & Local capped at $10k, I a...
by Saving$
Sat Aug 04, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing donation of goods
Replies: 6
Views: 482

Valuing donation of goods

Goodwill publishes an online guide to value donations. For example, Goodwill values an adult sweater at $5. Some tax software also comes with a "donation assistant." In this software, an adult sweater is valued at $14 in good condition, $28 in "better" condition (I guess better than good condition?)...
by Saving$
Tue Jul 31, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2409

Re: First smartphone:What to buy and what prepaid plan to sign on?

If you only want your child to be able to contact (text or call) you in an emergency, buy a $30 android at the grocery store, and get a $10 m plan. I would not get a child who is just starting to take the bus a $200 phone. Alternatively, give your child your phone, and get yourself the $200 Moto G5 ...
by Saving$
Tue Jul 31, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3162

Re: Park more than $250,000 in cash

If you need to carry more than $50,000, vanguard treasury money market is great. Current sec yield 1.87. State and local income tax exempt, which for some will make the taxable equivalent yield higher than prime money market. 100% in t bills so no need for FDIC insurance. Otherwise you can do a var...
by Saving$
Fri Jul 27, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 45
Views: 8084

Re: Fidelity Private Client Group

It appears their current model evaluates service tiers not based on how much you have at Fidelity, but rather how much trading you do, and the level of assets you invest with their "Wealth Services" which looks like it comes with an additional fee. This is unfortunate. I've also enjoyed the free wi...
by Saving$
Thu Jul 26, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 45
Views: 8084

Re: Fidelity Private Client Group

It appears their current model evaluates service tiers not based on how much you have at Fidelity, but rather how much trading you do, and the level of assets you invest with their "Wealth Services" which looks like it comes with an additional fee. This is unfortunate. I've also enjoyed the free wir...
by Saving$
Wed Jul 18, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2394

Re: Need Help Evaluating HVAC Needs and Quotes

Get a Manual J Load Test on your home. HVAC company goes through and looks at all the windows, factors in insulation, etc. and gives you a better idea of the system you need. A Manual J test cost about $150 here. It's hot and humid where we are in the Southeast and we have a heat pump in our 2nd fl...
by Saving$
Sat Jul 14, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1496

Re: Questioning insurance valuation for homeowners

I have the same issue, but the other way around. USAA claims the cost to rebuild is much lower than the cost I just paid to build. I know the cost is correct, because I had several estimates, and they were all very close. Frustratingly, USAA absolutely refused to allow me to insure the structure for...
by Saving$
Fri Jul 06, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1550

Re: Replacing only 2 tires out of 4?

The front tires wear out faster than the back. If I'm not diligent about rotating, the wear of the front is more than the back, and then the tire place refuses to rotate them, saying the better tread needs to be on the back...so the front then continues to wear more. This does not sound quite right...
by Saving$
Fri Jul 06, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1550

Replacing only 2 tires out of 4?

The front tires wear out faster than the back. If I'm not diligent about rotating, the wear of the front is more than the back, and then the tire place refuses to rotate them, saying the better tread needs to be on the back...so the front then continues to wear more. So now I find that the front are...
by Saving$
Wed Jul 04, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 9516

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Presumably you are young and single. Seems your question should really be what is more important to you in the long run - career or family? Do you plan to start your own family? If so being close to your family may be important, and 3 to 4 hours away may be something you don't want. In that case, co...
by Saving$
Wed Jul 04, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4524

Re: Monthly Water Usage

The quantities of water used listed above seem outrageously high to me. My household usage over the last five years has averaged 1 ccf (748 gallons) per adult per month. And based on habits I believe it could be lower. This usage includes: 1. Use dishwasher to clean dishes. Cleaning by hand uses muc...
by Saving$
Sun Jul 01, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Just joined the workforce with $400k in student debt: can you review my financial plan?
Replies: 14
Views: 2580

Re: Just joined the workforce with $400k in student debt: can you review my financial plan?

1. Put as much as possible into any type of Roth you can while your income is low. That means if loans are deferred keep them deferred, keep paying min on car loan, live like a pauper, etc. You will never in your life be able to recapture any lost Roth "space" so take it now, especially because your...
by Saving$
Mon May 28, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2419

Re: Best brand of appliances for new condo

Since I found out that Whirlpool donates a new range & refrigerator to every Habitat for Humanity house built in the US (and has for 19 years), I have purchased from the Whirlpool family - Whirlpool, Amana, Kitchen Aid, Maytag or Jenn Air. Refrigerator went for 18 years. All others still going.
by Saving$
Sun May 20, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8667

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Forum ate my longer post, so the cliff notes version Very sorry for you and your kids loss. Focus on making sure all of you make it through this ok. You have received good advice. 1. Find a place or places to park the 1.5 mil 2. Find health insurance 3. Figure out if your husband had a 401k or IRA. ...
by Saving$
Sun May 20, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4937

Re: Bed Bugs

For those who have dealt with this or have knowledge about bed bug infestations: 1. Posts above indicate the bed bug sniffing dog is important, yet googling indicates there is skepticism about the dogs. Which is it? 2. Some indicate treating only the affected area, some the entire structure. Has any...