Search found 791 matches

by N1CKV
Thu Jun 27, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4086

Re: Tenant identity theft issue on lease

I am not a landlord or a tenant or an attorney... I would proceed against both of them. If the daughter wishes to be removed she needs to file and follow through with identity theft charges against her mother to the local prosecutor. She can use those charges in a court of law to help prove that she...
by N1CKV
Wed Jun 26, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 38
Views: 4946

Re: Ally savings acct lowers rate by 10bp to 2.1%

anon_investor wrote:
Wed Jun 26, 2019 9:19 am
Tdubs wrote:
Wed Jun 26, 2019 9:09 am
Their no penalty CD is still at 2.3%. Last call!
Haha, I just got in on that last week, only wish the minimum was lower!
The 2.3% with a minimum of $25k is a bit steep for me.
I like $5K increments on my CDs and 2.15% on $5k min doesn't really do anything for me.
by N1CKV
Tue Jun 11, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden Debt - best strategy to pay off? (30k total)
Replies: 20
Views: 2121

Re: Sudden Debt - best strategy to pay off? (30k total)

Does your water bill include sewerage? If so it is likely the sewerage part that is making it skyrocket based on water usage. You can contact the biller and explain this and have the bill adjusted. People also do this all the time when filling swimming pools, which the water is not going in to the s...
by N1CKV
Tue Jun 11, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4014

Re: Tips for new pet owner

We are getting a puppy in couple of weeks and even though I am very happy for the new addition I cant help but be a little concerned about doctor and medical cost and other cost of new puppy. So wanted a few tips in that regard: - How much should I expect to pay for a doctor visit on an average? - ...
by N1CKV
Fri May 31, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 14997

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

My opinion is that the only true solution is to educate your wife/ heirs. Establish a budget. Make her stick to it. You have plenty of cushion to give her for "extras". If they are unwilling to learn the bare minimum of financial management and how to live within their means (budget) then no matter ...
by N1CKV
Thu May 30, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Living and Lending Under One Roof
Replies: 4
Views: 660

Re: Living and Lending Under One Roof

I believe this. I wonder how much of it is necessity and how much is completely voluntary?

My mother may end up living with me someday, but it would not for monetary reasons on either side.
by N1CKV
Fri May 10, 2019 12:52 pm
Forum: Personal Investments
Topic: To 457b or not to 457b
Replies: 15
Views: 1200

Re: To 457b or not to 457b

Do you have a Roth option for the 457b? My 457b added the Roth option a few years back, depending on what your taxable income is now vs predicted in retirement, a Roth 457b might be advantageous. The reason I say this, the inheritance should have a step up in any basis (assuming it is not in a tax a...
by N1CKV
Tue May 07, 2019 8:02 am
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 23
Views: 2140

Re: Has anyone invested in marijuana stocks?

Pot stocks are likely to go up in smoke. Don't let your money go up in smoke too. This sums up my opinion. The reason is that I can see this going one of two ways: 1. Heavy regulations burdens the industry so that very few winners can exist, and those won't be nearly as enthusiastic. 2. Widespread ...
by N1CKV
Tue May 07, 2019 7:55 am
Forum: Personal Investments
Topic: Best place for savings for a future car purchase
Replies: 5
Views: 873

Re: Best place for savings for a future car purchase

Use a high yield savings account.
This keeps the funds a liquid as possible. If you are anything like me you will start looking a few months earlier and if you find a great deal on the perfect vehicle you will want the funds available, not tied up somewhere that could risk you missing out.
by N1CKV
Mon May 06, 2019 12:34 pm
Forum: Personal Investments
Topic: Selling in MAY and ....... ?
Replies: 18
Views: 1989

Re: Selling in MAY and ....... ?

I will let you know when I return from December.
by N1CKV
Wed May 01, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 16075

Re: What if I Never Buy a House?

Home ownership does not sound like a good fit for the original poster, at least at this time. If I were the original poster at this stage in life I would be saving as if I were saving for a house down payment. The reason I say this is because down payments do not materialize in a short period of tim...
by N1CKV
Mon Apr 29, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my mortgage - what to expect?
Replies: 46
Views: 4277

Re: Paying off my mortgage - what to expect?

Contact your insurer and have them remove any lien holders listed on the policy. Typically your mortgage company requires that they be listed as a lien holder, which means any checks paid on the policy would be jointly to you and the mortgage holder. Now is the time to take care of this, not when yo...
by N1CKV
Tue Apr 16, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Savings account for child?
Replies: 35
Views: 1521

Re: Savings account for child?

dm200 wrote:
Tue Apr 16, 2019 9:59 am
Some credit unions offer special, higher rate, savings accounts for children.
I came here to say this. Credit Unions are more invested in the community, and as such do things such as give a minor higher interest for the sake of getting them interested in savings.
by N1CKV
Tue Apr 16, 2019 9:04 am
Forum: Personal Investments
Topic: Roth IRA forcing bad asset allocation
Replies: 8
Views: 745

Re: Roth IRA forcing bad asset allocation

When I was just starting out I was 100% TSM in my IRA, it was what it was. I finally realized that amount was next to nothing in the big scheme of things, although it seemed like a lot back then. You could also just use a Target Date Retirement fund that closely follows your desired stock/ bond spli...
by N1CKV
Wed Apr 10, 2019 8:51 am
Forum: Personal Investments
Topic: 457B Options - Severance from Employment
Replies: 15
Views: 873

Re: 457B Options - Severance from Employment

If I were her, depending on whether or not she may return to government employer I would either consider Roth Conversion within in Nationwide Traditional 457 Plan when her income is at zero and if the market corrects or crashes, the value is below her cost basis, i.e. instead of $30K it is worth $1...
by N1CKV
Tue Mar 26, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO is not a Insurance Co
Replies: 31
Views: 5204

Re: GEICO is not a Insurance Co

Maybe not in your state? We don't know your state, so we can't really say. Most "insurance companies" are underwritten by other entities. My Geico automobile policy specifically names the following companies as party to my insurance contract: · Government Employees Insurance Company · GEICO General ...
by N1CKV
Fri Mar 22, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: sale of our investment property to our daughter
Replies: 18
Views: 1603

Re: sale of our investment property to our daughter

The only way you would be able to claim a loss is if you were charging her rent and paying taxes on that rental income all along, otherwise it is as the above poster said - personal use property.
by N1CKV
Thu Mar 14, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2597

Re: Retiring Early and losing RSUs

If they RSUs will never vest to you then ignore them as part of your compensation. It is just that simple.
If your compensation does not make sense otherwise then walk and go somewhere else.
by N1CKV
Mon Mar 04, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Luggage Carry On 22" long x 14" wide x 9" tall
Replies: 24
Views: 1834

Re: Luggage Carry On 22" long x 14" wide x 9" tall

Get it fixed. There is no reason to believe a local tailor/ alterations shop couldn't replace it with the same or better quality zipper. Any competent tailor can stitch that on securely without a concern.
by N1CKV
Tue Feb 05, 2019 1:31 pm
Forum: Personal Investments
Topic: Don't File Too Early
Replies: 47
Views: 6222

Re: Don't File Too Early

I'm getting a refund. I usually do. I file ASAP. If there is a corrected form issued I can always file and amendment.
by N1CKV
Wed Jan 09, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1612

Re: Fender Bender backing out of garage. File a claim with insurance?

I would go with the cheaper shop. The safety systems aren't involved with a simple fender scrape/ pull. I would not file an insurance claim, a difference of $300 out of pocket isn't worth increased premiums or loss of accident forgiveness. For what sounds like a simple fender replacement, the bigges...
by N1CKV
Wed Jan 09, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What are my options with the current mortgage?
Replies: 35
Views: 2112

Re: What are my options with the current mortgage?

It is time to take your self from being a person that pays interest, to a person that earns interest. Why would you borrow money at 3.65%, only to stick it in the bank at ~2.00%???? You haven't stated any reason to need that much cash. You have more than enough to tide you over in the case of a job ...
by N1CKV
Thu Dec 20, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 6076

Re: Is Liquid Plumber / Draino bad for the pipes?

Did he go through the overflow plate instead of the drain? This is the first thing to do. If that doesn't work... Back in high school and college I worked at a plumbing supply house (where plumbers shop for their material). We carried a product, that MUST be used with caution, but is available to t...
by N1CKV
Wed Nov 28, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 5100

Re: So that's why 2-day shipping isn't what I expected!

My main issue is that the Amazon drivers never ever under any circumstances ring the doorbell (and we have two!). I had an opposite experience. They rang the doorbell and waited, then called me while standing at my front door. I was watching them on my Ring Doorbell the whole time from my office (a...
by N1CKV
Tue Nov 27, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6394

Re: Why is the Honda Fit so hard to find?

Is that just to heat the already existing seats or to make them leather and heated? The leather is much more important to me than heated (heated would be a luxury). The Fit with leather seats comes with heated seats too though, you can't separate the two. Check out: https://katzkin.com/choose-your-...
by N1CKV
Mon Nov 19, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Buying Google Home Minis on Ebays
Replies: 14
Views: 1393

Re: Buying Google Home Minis on Ebays

It's possible that it is legit, there is a lot of package deals where you can get a "free" home mini with purchase of another item. If a particular auction is legit.... that is hard to judge.
by N1CKV
Thu Nov 15, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 7791

Re: Honda reliability slipping?

I have had no major problems with my GM vehicles that I have kept well beyond the factory warranty. The biggest difference that I see is that the Japanese brands and American brands are priced similarly on the stickers, but you can purchase the American cars for a fraction of the window sticker pric...
by N1CKV
Wed Nov 14, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Interested in filing my own taxes
Replies: 9
Views: 1106

Re: Interested in filing my own taxes

I won't get in to the details, but I would recommend first trying to replicate the filing from last year. The software I use, which should work for you, is FreeTaxUSA.com Just go through the motions and see what you end up with. The website will guide you and complete all needed forms. From there yo...
by N1CKV
Wed Nov 14, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 4075

Re: Anyone have a bad experience with HDHP?

But isn't it just a "timing of payments" issue? We've gotten occasional refunds from providers to whom we paid a co-pay but I was already at our OOP max but hadn't quite realized it yet. Insurance paid their "fair share", including the co-pay that we got back. I don't think the providers eat the co...
by N1CKV
Wed Nov 14, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How to value retiree healthcare benefit
Replies: 20
Views: 1164

Re: How to value retiree healthcare benefit

It depends specifically on what the benefit actually is. My employer has retiree healthcare benefits, here is how it works: -I am in the group that will receive 100% of the employer subsidy after 10 years of employment. This means I will pay only what current (at the time) employees pay. -Those that...
by N1CKV
Wed Nov 14, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 4075

Re: Anyone have a bad experience with HDHP?

My experience has been great, everyone is different though. I have hit my deductible twice on my individual plan. My HDHP, as an individual I have a $2,000 deductible. My in network OOP max is $2,000.00 so as long as I stay in network I get 100% coverage after my deductible is met. One year this wor...
by N1CKV
Wed Nov 14, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Is there an online checking account that can do these three things?
Replies: 19
Views: 1352

Re: Is there an online checking account that can do these three things?

I know you didn't ask for this type of solution, but here is what I do: My main bank is Ally. -The mobile deposit limit is very high, so not an issue. -Cash limit is $1,000/day. -For cash deposits I have a very small Savings ("Share") account at a local credit union with no fees. I can walk in, make...
by N1CKV
Wed Nov 07, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1951

Re: How much to donate to local police and fire department?

smitcat wrote:
Wed Nov 07, 2018 11:43 am
These are local situations - your description does not accurately reflect our area.
...and we thank you for the extraordinary contribution of information that you contributed.
by N1CKV
Wed Nov 07, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1951

Re: How much to donate to local police and fire department?

For those commenting on the actions and pay to the police and firefighters, you are not focusing on what these donations are about. Salaries and benefits are funded from known and predictable recurring revenues (taxes). Donations are used for things like equipment purchases or special training. Taxe...
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: 2433

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: 1404

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: 5908

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: 142
Views: 9930

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: 4918

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: 5665

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: 902

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: 3703

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: 7908

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: 4221

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: 5422

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: Personal Investments
Topic: How To Invest Windfall When At Market Top
Replies: 26
Views: 4721

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: 50
Views: 4787

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: 18
Views: 3794

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: 1741

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...