Search found 48 matches

by MilleniumBuc
Wed Jan 11, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: First time I have a FSA option
Replies: 12
Views: 505

Re: First time I have a FSA option

Thanks for all of the replies, gives me some areas to look into. Unfortunately my employer does not contribute anything to it. BTW the company is WageWorks. Anyone have any experience with them? The Feds just switched to wage works in September. So far, they are better than the last one, with reimb...
by MilleniumBuc
Fri Dec 23, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: What should I expect to happen during/after car loan payoff?
Replies: 14
Views: 1251

Re: What should I expect to happen during/after car loan payoff?

Send a check and you'll get the title free of the lien some time later. Don't freak out if it takes a while. Thanks, this is precisely what I needed. You could also get a letter telling you that the title is electronic and they have transferred it to you within the state system. This happened to me...
by MilleniumBuc
Wed Aug 17, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 69
Views: 5473

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

Definitely reach out to attorney. Unfortunately the hospital provided a service that should be paid. The crux is if it's you or the prescribing Dr is ultimately responsible for that bill. You have an opinion and the Dr has an opinion, and I think that is way the insurance company is staying on the s...
by MilleniumBuc
Wed Aug 17, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: 2014 Accord problem with SiriusXM
Replies: 3
Views: 468

Re: 2014 Accord problem with SiriusXM

Be careful with assuming all components are covered for 36 months/36,000 miles. Many manufacturers only cover radios, batteries and certain other components for 24 months. Have to read your booklet that came with the car.
by MilleniumBuc
Wed Aug 10, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 2108

Re: okay to leave deposit on vehicle?

Not if its the same day, especially middle of the week, middle of the month. Those are the slow times for auto dealerships.
by MilleniumBuc
Tue Aug 09, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: UPS Store Notary (legit)
Replies: 18
Views: 2039

Re: UPS Store Notary (legit)

I have used them before for several notary services. It is technically the employee that is the notary, sonInalways call ahead to make sure the notary will be scheduled to work when I swing by. Also, for a home sale out of state, some paperwork required a witness, so he just called his co-worker to ...
by MilleniumBuc
Fri Jul 22, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Check Fraud
Replies: 26
Views: 3214

Re: Check Fraud

Sorry about your situation. I have not experienced check fraud, but have experienced mail fraud. The postal inspector's office does take mail fraud very seriously. I don't think it took more than 5 days to hear from them, so I would follow up with them.
by MilleniumBuc
Wed Jul 13, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Retiring overseas?
Replies: 39
Views: 7706

Re: Retiring overseas?

Panama would be my choice hands down. I lived there five years. Everybody speaks English. Beautiful country. Convenient to U.S. Household help is cheap. Etc. Pacific side, not the Atlantic. Pacific or Atlantic? Don't you mean Pacific or Caribbean? Rubiosa probably won't see your well-meaning correc...
by MilleniumBuc
Sun Jul 10, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 3162

Re: resort fees at hotels mandatory?

Maybe because some hotels like Hilton don't charge the resort fee when booking with points or partial cash/partial points, they can get away with it by showing circumstances where it does not apply, proving that there are opt out options.

Not sure which others do the same.
by MilleniumBuc
Wed Jun 01, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: people using my email address for their various accounts
Replies: 17
Views: 2334

Re: people using my email address for their various accounts

When this happens to me, I just go to the page (Facebook, some random business account,etc), use the "I forgot the password" link and reset the password when the recovery is sent to my email. I can then delete the account, etc. Usually that fixes the problem! Unfortunately this does not w...
by MilleniumBuc
Tue Apr 19, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 3595

Re: Progressive or Geico?

Do you mind posting the information that the SF agent uses for SF / against the other two?

It would be interesting to see the other point of view. The main one I can think of is that there is a more personal touch and they would take care of your claim.
by MilleniumBuc
Mon Apr 18, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 3595

Re: Progressive or Geico?

I think it has been posted before, but most quotes include some sort of 1st timer with the insurance that you lose on renewal. As for Progressive, I have been with them for 8 years, and with 1 accident and hitting an item on the road at night, the premiums went up, but still competitive when I get o...
by MilleniumBuc
Thu Apr 14, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: grateful for any input on a major, urgent real estate decision
Replies: 75
Views: 6191

Re: grateful for any input on a major, urgent real estate decision

I guess another part of the equation is where are both of you in your careers. Do you still have plenty of upward mobility available, or are you less likely to get big promotions in the future? That could make a big difference in how comfortable you are with the payment 5-10!years from now. if I, In...
by MilleniumBuc
Fri Apr 01, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: IRS Letter 4281G
Replies: 7
Views: 1725

Re: IRS Letter 4281G

Wow. This is very concerning. I would bet this is some sort of scam, especially by you finding out that the letter number is not the correct one, the date and I would never expect the IRS to provide a year of Equifax protection. The concerning part is that other scammers could use the correct letter...
by MilleniumBuc
Fri Mar 25, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: sellers want us to waive financing contingency
Replies: 80
Views: 7352

Re: sellers want us to waive financing contingency

It's only the financing approval that they are looking to waive, not the appraisal or inspection. Still, even if you are a sure bet to get financing, you could be out 5 figures for something that could be out of your control. With a full offer, if me or my wife really love the house, and have been l...
by MilleniumBuc
Mon Mar 07, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit card "deadbeats"
Replies: 23
Views: 3239

Re: Credit card "deadbeats"

They also hope that the 'deadbeats' have something happen where they cannot come up with the full balance payment.
by MilleniumBuc
Fri Feb 19, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: fsa rules when company is acquired
Replies: 6
Views: 685

Re: fsa rules when company is acquired

Yes. Meant to imply the amount contributed ($600) IRS Publication 969 is very specific to the limit, but not specific in the amount of companies worked for or their relationship: "For 2015, salary reduction contributions to a health FSA cannot be more than $2,550 a year (or any lower amount set...
by MilleniumBuc
Thu Feb 18, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: fsa rules when company is acquired
Replies: 6
Views: 685

Re: fsa rules when company is acquired

As for question 2, the limit is per person for the tax year, not the company. If the new plan goes from April 1 to March 31 2017, then you should be able to sign up for the full amount. If they are ending the plan on December 31 2016, then you should do 2550 - what will be taken up in the old plan.
by MilleniumBuc
Wed Feb 17, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: Door key/lock on older Camry?
Replies: 21
Views: 1282

Re: Door key/lock on older Camry?

Does the passenger-side door have a keyhole and lock that works? If so, just move it to the driver's side. +1! My late 1990s Camry's driver-side door handle got busted. :oops: So I frequently open the passenger rear-left/front-right door to get in. I don't have a remote to the car. It's not your fa...
by MilleniumBuc
Fri Feb 12, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Questions on House Affordability
Replies: 27
Views: 2569

Re: Questions on House Affordability

Two things that jump at me: We have two salaries and our gross is 12.5 a month, our net is 8.4, and we still owe taxes at the end of the year with all the deductions (health, 401k, Flex spend, dependent care). If you recently got a raise to your new salary, then make sure you are not under withholdi...
by MilleniumBuc
Wed Feb 10, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 6492

Re: What is your opinion on the Federal goverment retirement plan?

As a related matter (apologies in advance if inappropriate), can anyone offer advice in getting a federal job for someone in I.T.? I was let go from my private sector job (programming/systems analysis) in the Unix/C/C++/Oracle area after 25 years with a BS and MS in math and engineering and compute...
by MilleniumBuc
Wed Dec 30, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 IRS Witholding Calculator Availability?
Replies: 6
Views: 965

Re: 2016 IRS Witholding Calculator Availability?

From what I have seen in the last few years, it is usually not open until the last days in January / first days in February. I hope you meant to write "last days in December / first days in January." :shock: No, sorry. IIRC, I usually check after the first paycheck, and there is no mentio...
by MilleniumBuc
Tue Dec 29, 2015 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 IRS Witholding Calculator Availability?
Replies: 6
Views: 965

Re: 2016 IRS Witholding Calculator Availability?

From what I have seen in the last few years, it is usually not open until the last days in January / first days in February.
by MilleniumBuc
Mon Dec 07, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Flex spending clarification
Replies: 6
Views: 688

Re: Flex spending clarification

Both my wife and I have healthcare flex spending access at work. She's always had it and now this year I do too and have a couple points to clarify... 1) Can I claim her eligible healthcare expenses if she reaches her annual max but I haven't reached mine yet? (i.e. If she claims $500 for the year ...
by MilleniumBuc
Tue Nov 24, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 82
Views: 11159

Re: Get up to $30 back per Amex card (Small Business Sat, 11/29)

No offers. Just expectations that we have been trained well :oops: .
by MilleniumBuc
Mon Sep 14, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Trade in Car or Keep It?
Replies: 10
Views: 1560

Re: Trade in Car or Keep It?

We were in a similar position with one kid in and a 2nd on the way, plus always having family visiting. We bought the Odyssey, but our trade-in was a 12 year old Camry. If I already had an Suv, might have kept it. Unfortunately the 2nd kid never happened, so we are a minivan family with 1 kid. Helps...
by MilleniumBuc
Sun Sep 06, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 74
Views: 11537

Re: About to close on a home we have overbid on - have cold feet

There is no end time for easements, especially transmission lines. I have seen horizontal clearance restrictions so that their personal can work under the area, so nothing can be constructed there. Also seen vertical restrictions due to high voltage, and possibility of the charge jumping over the de...
by MilleniumBuc
Mon Aug 31, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 74
Views: 11537

Re: About to close on a home we have overbid on - have cold feet

Check with an attorney. If it does say "visible power lines" that is very ambiguous. There is a big difference between a power distribution line, which is what is normally throughout all streets along the side or buried, vs. Power Transmission line, which carries high voltages electricity ...
by MilleniumBuc
Sun Aug 23, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Starting Mid-Year and Matching 401K Question.
Replies: 7
Views: 1308

Re: Starting Mid-Year and Matching 401K Question.

I've searched through everything they gave me and all I can find is: Employer Match*: 100% of first 3% and 50% of next 2% deferred; match deposited each pay period, up to a maximum of $10,600 based on maximum compensation of $265,000 for 2015. Immediate eligibility; 100% vested at all times. [/b] T...
by MilleniumBuc
Fri Aug 21, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Starting Mid-Year and Matching 401K Question.
Replies: 7
Views: 1308

Re: Starting Mid-Year and Matching 401K Question.

Both major corporations I have worked for did not match per pay check, but gave the total match the following year based on the total sum of contributions at the end of the year. On the other hand, federal government match was per paycheck, so if you had done less contributions than full match at th...
by MilleniumBuc
Thu Aug 20, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: 401K Match vs Cash Bonus
Replies: 5
Views: 685

Re: 401K Match vs Cash Bonus

You might want to look at the cost from the company's perspective. I think they would look at it as their present cost, and go from there.
by MilleniumBuc
Thu Jul 23, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 88
Views: 8797

Re: Asking for separate checks?

If everyone is drinking wine (which would probably be 2 bottles), I would divide by 3.

If not, then separate checks.
by MilleniumBuc
Thu Jul 23, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 3470

Re: Is there a service that will email you with each credit card purchase?

Chase also has this. You can set it per amount, international, etc.

Even when out of the country, I would get the purchase email to my gmail account and it would pop up while signing the signature slip. Very fast.
by MilleniumBuc
Mon Jul 20, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Best Value for a Used Odyssey
Replies: 11
Views: 1274

Re: Best Value for a Used Odyssey

2010 Odyssey,I did not know it could command such a premium dollar after 5 years. :happy Thats Honda for you,,,,a good thing. :happy Carmax Honda link http://www.carmax.com/search?AsY=2010-2010&D=90&zip=37601&N=4294963181+4294962760+4294961454+4294961345&sY=2010-2016&Q=df2a977d-...
by MilleniumBuc
Mon May 18, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 6024

Re: passport card faster than passport?

Applied for expedited passports at post office for wife, daughter and I on 05/01, and adult passports were received in 6 days. The child passport took 11 days. The one thing the clerk had an issue with was that for the child passport, the parents ID's the make copies of, have to be valid and being i...
by MilleniumBuc
Mon May 18, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Question about unemployment
Replies: 1
Views: 539

Re: Question about unemployment

This is just an a random sampling from 2010, but DW ended a W2 contract and applied for unemployment while looking for a new job, and it went through. This wa Fl, and they require you to keep track of your search, but it was all online (maybe over the phone initially IIRC). You can be audited at a l...
by MilleniumBuc
Thu Apr 30, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Residents of states w/o income tax, do you itemize?
Replies: 34
Views: 2854

Re: Residents of states w/o income tax, do you itemize?

I did it three years after saving all the receipts per month in envelopes throughout the year. Going over each receipt and putting it on the spreadsheet was a good 3-4 hours. It usually was about 3-400 above the one calculated by Turbo Tax, so you are looking at $25-30 saved per hour of work.
by MilleniumBuc
Mon Mar 23, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 20
Views: 2421

Re: TurboTax Deluxe

So I buy TT deluxe, which we used for many years, since Intuit had announced that they were going to provide an auto upgrade for their users to mollify folks this year. But last year, I had to file an estate tax return, and a trust form, so I ended up buying Premier last year, and then having to bu...
by MilleniumBuc
Wed Feb 18, 2015 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Should I Open?
Replies: 27
Views: 12473

Re: Which Credit Card Should I Open?

INTRESIS wrote:Would Chase Freedom have a high credit limit? Would it be higher that Citi Double Cash?


Being that you only have one card, both of them will probably match your current limit. Personally, Citi has provided higher initial limits lately to me, but that is because I have more Chase cards.
by MilleniumBuc
Tue Feb 10, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Things to do when returning a leased car
Replies: 5
Views: 1089

Re: Things to do when returning a leased car

Verify if there is a fee for ending the lease ( 400-500) and the tire thread vs what is acceptable in the return. Those are high output premiums.
by MilleniumBuc
Thu Aug 14, 2014 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 4501

Re: Strategic Default

It took us 2.5 years to finally be done with it through 3 different main loan servicers and 2 heloc servicers. Every 2-3 months filling all the paperwork over and over, plus every time it got sold and transferred. Plus, whatever you negotiate with the deficiency, might or might not show up in the lA...
by MilleniumBuc
Sat Aug 09, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 105
Views: 11321

Re: Which 4 door with 250+ hp

I drive a 2013 Hyundai sonata 2.0t, and it has 274 hp. The acceleration of 0-60 is good, but the one when you are at 65-70 mph and need to pass is great. I also drive about 90 miles rt mostly on the highway and it gets me 27-28 mpg with very spirited driving and about 31-32 on cruise control at 70. ...
by MilleniumBuc
Fri May 16, 2014 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care Reimbursement Account Contribution Reduced
Replies: 3
Views: 515

Re: Dependent Care Reimbursement Account Contribution Reduce

It's not an across the board income limitation. Each company is audited to make sure that there is a good representation of all salaries to prevent it from being a benefit to "highly compensated employees" only. The only solution is for the company to try to convince lower income employees...
by MilleniumBuc
Mon Apr 28, 2014 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Quick Help Needed - Renting with absentee landlord
Replies: 12
Views: 3056

Re: Quick Help Needed - Renting with absentee landlord

In the same situation for over 3 years with no problem. Did research him As well and did a phone interview with him and the wife. They sent a signed leased fd ex overnight and i signed, scanned back and mailed. The main thing was that we take care of most of the repairs and only bother him with majo...
by MilleniumBuc
Fri Mar 14, 2014 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account Timing Question
Replies: 15
Views: 846

Re: Flexible Spending Account Timing Question

Unfortunately, you cannot pay for a charge that happened before enrollment. Hopefully you have other charges throughout the year, glasses, contacts, etc that would qualify. As for the money, you do not have to wait for the FSA to be fully funded to submit. They will pay you up to selevtion amount if...
by MilleniumBuc
Thu Jan 24, 2013 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do for 2012 Credit Card Rewards?
Replies: 53
Views: 23609

Re: How did you do for 2012 Credit Card Rewards?

American Express Blue Preferred - $416.15 net after $75 annual fee, 2.59% - Total Spent = 16,097.32 (5486k in groceries) Chase Freedom - $275.01, 2.75% - Total Spent = $9,992.04 (Saw on annual report that super walmarts were coded as grocery, while amex did not. Too bad they do not have groceries fo...
by MilleniumBuc
Fri May 18, 2012 10:04 am
Forum: Personal Finance (Not Investing)
Topic: All Three Services through Cable
Replies: 32
Views: 3199

Re: All Three Services through Cable

Cable companies are giving large discounts for all 3 services for only the first year or so. What is the expected increase when when the promo period expires? My experience with Cox Communications is that it almost doubled in price. The Phone and Internet do not really go up that much (about $20 mo...
by MilleniumBuc
Wed May 16, 2012 8:06 am
Forum: Personal Finance (Not Investing)
Topic: FSA Dependent Care Accounts
Replies: 4
Views: 531

Re: FSA Dependent Care Accounts

I am having significant problems with trying to get the custodian of my FSA dependent care account (Fidelity) to terminate my monthly contributions due to a life changing event (my wife has been unemployed since late last year). I have called them several times since January and they agree to fix t...

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