Search found 757 matches

by N1CKV
Thu Sep 27, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone else noticed that HDHP are actually better for those needing expensive Rx?
Replies: 18
Views: 2276

Re: Has anyone else noticed that HDHP are actually better for those needing expensive Rx?

It all depends on your plan. My wife and I have our own individual HDHP policies through our respective employers. Mine has a $2,000 deductible (in network) with 100% coverage beyond. This works out great most years. I rarely go to a doctor. I do have a damaged spine from an auto accident years back...
by N1CKV
Wed Sep 26, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Do I really need a CPA to do taxes for LLC?
Replies: 13
Views: 1322

Re: Do I really need a CPA to do taxes for LLC?

There is no requirement for any entity to generate revenue. Failure to do so will absolutely not be a cause for an audit. Even if there was a purely randomized audit, there would be no income to require a tax return let alone taxes due. I am the trustee of a trust that has never had sufficient inco...
by N1CKV
Mon Sep 24, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5724

Re: Ripped off by a locksmith

Have you talked to the company yet? If you have an did not get a satisfactory response the best thing you could do, in my opinion at least, is to start writing reviews and complaints. Write in a complaint to the BBB. Write a 1 star review on yellowpages.com, Google reviews, Yelp, facebook and any ot...
by N1CKV
Thu Sep 20, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8747

Re: Physical Banking - Any benefits anymore?

I have accounts with Ally and Capital One 360, along with a small local credit union. Ally is my main bank. They can handle pretty much anything I need except cash deposits (which are rare). Capital One 360 allows me to use Capital One Bank, N.A. branches for ATM or Drive Thru deposits of cash and c...
by N1CKV
Wed Sep 19, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 39
Views: 4822

Re: Elderly parents are in debt - Need advice

I am not a lawyer (in any state, for anybody...): I would suggest setting up a trust as a beneficiary of the life insurance policy. The trust beneficiary would be your mother, with a structured disbursement plan. You and your siblings would be contingent beneficiaries and it would dissolve on your m...
by N1CKV
Wed Sep 19, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5491

Re: State Farm nickel-and-diming me

You are stuck dealing with Snake Farm? I feel sorry for you. If you have comprehensive insurance have your insurance fix the whole thing and send the bill to State Farm. You will be out of your deductible in the mean time, and if they can't collect for the full amount you'll be out that too. It won'...
by N1CKV
Mon Sep 17, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Generator Natural Gas Line/Hookup
Replies: 7
Views: 849

Re: Generator Natural Gas Line/Hookup

Decide how much generator you want. Once you know that you can have an idea of what requirements that generator will have. If you are not handy enough to figure it out with that information you could then consult a knowledgeable plumber. A plumber can come out and look at your needed specifications ...
by N1CKV
Mon Sep 17, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3473

Re: a low grade in a 9th-grade test

Just an anecdote. I breezed through high school. College was a shock when I had to study. Didn’t do too well at first until I actually studied. Is the child in question studying? This sounds like something I could have written! I’d suggest talking to the kid to find out what went wrong. Then I’d su...
by N1CKV
Wed Sep 12, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7506

Re: Amazon Prime - Value?

This thread reminded me, I just went and set a reminder on the account to notify me before the next renewal. I plan to cancel. I also am seeing way less items available in 2 days, I end up buying a lot of small stuff that I could either skip or wait to order, I do not use Prime Video, I rarely use P...
by N1CKV
Wed Sep 12, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4017

Re: How often do you guys get alignment done on your cars?

Is the "service manager" a fiduciary? No. My opinion: I was a Service Manager for a large national chain tire and automotive service company right after college, before that while in school I worked in an automotive shop. We would always check tire wear for customers on every visit, even if just an...
by N1CKV
Wed Sep 12, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5219

Re: Advice on how to deal with barking dogs

As a dog owner: if my dogs were causing a neighbor discomfort I would hope that they would let me know so that I can rectify the problem. My dogs do not stay outside for any extended length of time, they are only off lead unattended when in my enclosed backyard and if they bark I immediately bring t...
by N1CKV
Tue Sep 04, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: How To Invest Windfall When At Market Top
Replies: 26
Views: 4271

Re: How To Invest Windfall When At Market Top

We are at the market top? Awesome, thanks for pointing that out, I need to go sell all of my investments!
by N1CKV
Fri Aug 31, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2914

Re: Best Checking Account?

My main banking is all through Ally. I also keep a small savings account (my "hobby" funds) at a local Credit Union. I can walk in and do most business there when necessary, but that is rare (deposit cash if I sold something big). When I do deposit there I just go to Ally's website later and do an A...
by N1CKV
Thu Aug 30, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Weird Announcement From PNC Bank
Replies: 16
Views: 2882

Re: Weird Announcement From PNC Bank

It sounds like Insurance to me. You are buying "check bounce insurance". They are betting on collecting more in "premiums" than what their losses will be for bounced checks. They also have the ability to deny offering this product to you if you have a poor "check cashing record". In today's instant ...
by N1CKV
Wed Aug 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Wildlife Removal:
Replies: 16
Views: 1699

Re: Wildlife Removal:

It sounds like you need an outdoor cat or two. If a cat isn't desired, it's possible to use certain dog breeds. I have a Miniature Pinscher that is a beast when it comes to pests. While I don't have any issues at my house, he has killed a large rat and a small opossum in my parent's yard while we we...
by N1CKV
Tue Aug 28, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7577

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

OP: As Trustee, being that you are not comfortable with the scheme of the trust instruction, I would resign as trustee. At that point I would expect your sister to have no choice but to accept distribution of the funds and you wash your hands of the situation. If she wishes to distribute the funds i...
by N1CKV
Fri Aug 24, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1170

Re: find Hvac contractor

That price is not unreasonable. When I need HVAC work I just call my dad or my brother, both of which are in the wholesale side of the industry (I worked in the industry while in high school and college). If you can find out who the local HVAC wholesaler is you can call their sales counter and ask f...
by N1CKV
Thu Aug 23, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3829

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

2 years back my house flooded and mold was definitely a concern, below is my assessment for your consideration: 1. Mold exists EVERYWHERE. The only question is if the levels are bad. The "results" often presented by mold remediation guys is incomplete leaving you to fill in the blank, usually result...
by N1CKV
Thu Aug 23, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5421

Re: Test your cognitive biases

I got 25-50%. I am not only risk adverse by nature, but I also have no real need to take risk. I have had bad dealings with debt from individuals so that sways me far away from waiting to collect. All of which I believe skewed my answers different than the desired results ("desired" for whatever rea...
by N1CKV
Wed Aug 22, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: CPA/Account error - who's responsible?
Replies: 24
Views: 2091

Re: CPA/Account error - who's responsible?

I can't say that it's 100% their fault. It's our P&L and we're inputting the numbers. We've just been booking this piece of income as it was earned , because there was always a possibility that if would never be collected. They've known about it as it's a big piece of our profit, it was just never ...
by N1CKV
Wed Aug 22, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Troubleshoot water heater
Replies: 11
Views: 775

Re: Troubleshoot water heater

I'm going to guess electric... Are you getting absolutely no heat? There is two elements, an upper and lower. If you are getting abnormally less hot water then it is likely your lower element or controller is bad. If you are getting lukewarm water/ terrible recover rates it is likely your upper elem...
by N1CKV
Thu Aug 16, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refusing a Portion of Inherited IRA
Replies: 8
Views: 935

Re: Refusing a Portion of Inherited IRA

The funds are 100% your husband's, there is no interpretations about it. Inheritances are single personal property, not community property. With it being an inherited IRA he will not be able to add to it, so there is no way to claim marital assets within the IRA, and even upon withdrawal if he chose...
by N1CKV
Wed Aug 15, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4774

Re: Adult piggy bank

I just use a ziplock bag and once it is full, take it over to a Coinstar Kiosk and get my amazon Gift Certificate.... I do similar, but a little fancier... I have a plastic cup (some promotional cup from an event way back when), it is lined with an old Crown Royal bag. When it is full I pull it out...
by N1CKV
Wed Aug 08, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2417

Re: Prescription Price Shopping?

My default pharmacy is Wal-Mart. They consistently seem to have the best price. I am on a High Deductible plan, so I don't get a co-pay and shopping around is worthwhile. My wife had a prescription that was $40/month at Walgreens, at Wal-Mart it was on the $4 list. There is a particular prescription...
by N1CKV
Mon Aug 06, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of contributing to 401k?
Replies: 61
Views: 4184

Re: Pay off mortgage instead of contributing to 401k?

We also had kids late in life and are still helping them with college loans too. I know it is a very personal thing, but the reality of it is that they have an entire career to earn money and pay off those loans. You have a very limited time frame to get your retirement savings to a sustainable lev...
by N1CKV
Mon Aug 06, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 2132

Re: Selling a used car

Do you have good pictures and have you explained the water stain in your post on Craigslist? With the economy chugging along, it seems like used cars (at the low end) are a tougher sell. You either have to be very patient and hold your ground on price or keep stepping the price down in increments. ...
by N1CKV
Thu Aug 02, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Which offer to accept on vacant land?
Replies: 17
Views: 1927

Re: Which offer to accept on vacant land?

You can always offer a counter offer....
If your siblings insist on the higher offer (#1), then counter with a non-refundable deposit.
Otherwise #2 would be preferable.
by N1CKV
Tue Jul 31, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason a building should not consent to a condo buyer using a family mortgage?
Replies: 19
Views: 1864

Re: Any reason a building should not consent to a condo buyer using a family mortgage?

The only issue I could see is the collection of HOA fees. Rhetorical questions here, that you should be asking yourself and the rest of the board/ owners: What method of HOA fee collections do we have? Monthly? Annual? Do we have adequate accommodation to collect from a private mortgage? What recour...
by N1CKV
Tue Jul 31, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12650

Re: Joint Ownership of home with second wife

I will highly recommend reading the book "Beyond the Grave" to explore various legacy scenarios and possibilities. It would certainly be part of your due diligence in preparation for meeting with your attorney. I am currently reading this book and am 1/4 of the way through and I believe it will shed...
by N1CKV
Thu Jul 26, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10081

Re: Toughest Purchase of my Life. Engagement Ring time

About 4 years ago I was dead set on getting a 1 ct. center, with a 1/2 ct. on either side after looking online for quite some time... then I looked at them in person and decided that was entirely too big. My wife has 1 caret TOTAL weight in her ring. I forget the exacts, but the center is a little l...
by N1CKV
Tue Jul 24, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 34
Views: 3789

Re: Anyone sell their car to Carmax or webuyanycar.com?

I went to CarMax a couple of months ago for the first time. My goal: I was looking to get rid of my 2009 Sierra Crew Cab 4X4 and acquire a much newer Chevy Colorado. The offer for the Sierra was about $1500-2000 low in my opinion. They had a Colorado in Houston (free transfer) with 5,000 miles that ...
by N1CKV
Tue Jul 17, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Continue contributing to Roth or switch to Traditional?
Replies: 10
Views: 849

Re: Continue contributing to Roth or switch to Traditional?

I think an important question to ask is, Do you have an existing Traditional IRA?
If not, starting one for such an insignificant amount is unlikely to be worthwhile.

On edit:
the 12% bracket cap is $77,400, not $77,200.
by N1CKV
Tue Jul 17, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 13
Views: 1051

Re: Unclaimed property

I have never found anything for myself.
I did find something for my sister and BIL, it was the escrow balance when they sold a house that somehow was never forwarded (several hundred bucks)
I found smaller amounts for friends, most of which I'm sure they didn't bother collecting.
by N1CKV
Fri Jul 13, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: My roof looks like a patchwork quilt/insurance companies (UPDATE!!!)
Replies: 14
Views: 1777

Re: My roof looks like a patchwork quilt/insurance companies

I live in the deep Southeast Gulf region. In my area homeowners rarely pay for a roof replacement, it is almost guaranteed that your roof will be damaged by either hurricane or hail before it's normal life is over. We are currently going through the process from the 3rd storm. The roofer has come ou...
by N1CKV
Fri Jul 13, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1309

Re: Buying Used Honda/Toyota -- How old is too old?

Japanese brand vehicles are overvalued.
Snatch up a nice GM or Ford with less miles and newer and you'll likely get better safety features and reliability.
by N1CKV
Tue Jul 03, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4637

Re: Will I ever be able to itemize?

If you do not like the higher standard deduction I believe the IRS will gladly allow you to take the itemized total instead, despite it being lower.
If that makes you feel better feel free to do so.
by N1CKV
Fri Jun 29, 2018 12:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56365

Re: Pulled the trigger and paid off the house today

Congratulations on your achievement.
by N1CKV
Thu Jun 28, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11054

Re: Lost out on promotion

I was passed over for a position in a different department recently. The person hiring and who I would have been replacing I have worked with for 15 years. I am very familiar with many aspects of his job. The person hired is a co-worker with 5 years experience, none of which is related (though techn...
by N1CKV
Fri Jun 22, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 27
Views: 2885

Re: IRS: Great customer service?

Well the original post is encouraging... I just had a certified letter show up from the IRS yesterday. I had filed an amended 2016, recalculating a disaster loss with carry forward left along with a 2017 amended return applying the carry forward. They requested a copy of my Schedule D and any other ...
by N1CKV
Wed Jun 20, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: How to Amend a 2016 tax return?
Replies: 8
Views: 526

Re: How to Amend a 2016 tax return?

It really isn't too difficult to do by hand. I file with Free Tax USA. I had a massive casualty loss in 2016 and Congress passed some special provisions in early 2018 that affected the calculation of the loss in 2016. This means I had to amend my 2016 return (I had no tax liability because the loss ...
by N1CKV
Tue Jun 19, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5780

Re: How much car to buy reasonably?

From your initial list I would say the Miata / MX-5 looks like a fun car. From my own experience with my wife's former Audi A6 - It was a fantastic car and fun to drive. The engineers did a phenomenal job on performance and luxury feel. They also did a terrible job on making the thing last. We dumpe...
by N1CKV
Mon Jun 04, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: What have you tapped your emergency fund for?
Replies: 15
Views: 1891

Re: What have you tapped your emergency fund for?

Flood. My house is 2' above base flood elevation so experts said there was no need to carry flood insurance. Mother nature stuck up her middle finger and sent 3' of water through my house (along with taking out my wife's vehicle)... Having an emergency fund was a massive help in rebuilding. Many of ...
by N1CKV
Wed May 30, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7537

Re: get sued for posting nagative online review?

In my opinion........ I brought an old subaru (kids car) into Midas for warranty brakes which went OK and and then they said it needed a $2700 "suspension replacement" which in reality was 4 struts and a few bushings. Took it to my independent subaru mechanic and he said all 4 struts were fine and ...
by N1CKV
Wed May 30, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Car with best smell, pollution and noise insulation
Replies: 24
Views: 2208

Re: Car with best smell, pollution and noise insulation

You are driving a 18 year old car and worried about someone grilling a steak in their backyard? :oops:
If you are that sensitive to air pollution it may be time to move...
by N1CKV
Tue May 22, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13194

Re: done with Gmail

The problem is in your efforts to have a super secure password (so secure that even you don't know it) that you depended on a piece of software to keep track of it, when that piece of software failed you want to blame you lack of knowing your password on the email account provider. The account provi...
by N1CKV
Fri May 18, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2492

Re: Mitsubishi wall air conditioner

I believe the system type you are referring to is a "mini-split". There is several manufacturers of this system type. It is an excellent choice for a variety of needs. My parents have on on the "addition" on their house and it is very efficient and quiet, yet still easily keeps the area comfortable ...
by N1CKV
Fri May 18, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3504

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

I'm in Louisiana, so similar, but more humid climate. Clothing will depend on the corporate culture of your company. Most everyone is going towards "business casual", a golf shirt made of any performance fabric is low maintenance and comfortable, cotton khakis, etc. I actually wear boots (polished) ...
by N1CKV
Sat May 12, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Move 11 month Ally CD (1.5%) to Ally Savings (1.6%)?
Replies: 5
Views: 1331

Re: Move 11 month Ally CD (1.5%) to Ally Savings (1.6%)?

The only thing that the No Penalty 11 Month Cd (currently) has to offer over the Savings account is that the rate is guaranteed. In my opinion, which could be wrong and is worth less than what you are paying for it, we are in a rising interest rate environment. I would cancel the 11 month CD and put...
by N1CKV
Wed May 09, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3871

Re: Which cordless weed whacker to buy?

Silk McCue wrote:
Wed Mar 28, 2018 9:48 am
I bought this Kobalt 80v Trimmer from Lowes. Serious battery life and quick recharge.
https://www.lowes.com/pd/Kobalt-80-Volt ... r/50394980
I have the same one, I love it and I am generally against battery powered lawn equipment.