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MilleniumBuc

MilleniumBuc, That was a very good suggestion. We went through that route and be successful at getting our money back, but it is going to be a 2017 income. I am not sure if I have to apply this income to 2016 and do an amendment or apply to 2017 tax return. What would you do? It sounds like you got...

MilleniumBuc

Another thing to watch for is that even if you buy the extended warranty because of the threat about all the expensive electronics in today's cars (which is true), most extended warranties do not cover that type of items. Never belief the F&I guy, always read the warranty he offers. I have been ...

MilleniumBuc

Same here, under 3 different company plans, none would reimburse for expenses incurred before you joined. 2 of these had July to June plans.

MilleniumBuc

Someone asked about a read only login from your bank. With Wells Fargo I was able to set a read only account that I use for mint.com. Not sure what other banks offer it, but had to go through a long maze to find it with Wells Fargo about a year ago. They recently upgraded their website so it could b...

MilleniumBuc

I have been doing the same since 1995, first on the statements and now on quicken, and there was only one time I could refer to it, and it didn't work. Paid BOA online and saved the confirmation number with the quicken transaction (ctrl-c ctrl-v). For some reason I got a second pull from them a week...

MilleniumBuc

Sort of surprised I have seen much discussion of isolating the email from your financial accounts from your main email. There have been several threads talking about separate computers for financial account access and that cost a lot more that an email address, not that they would serve the same pu...

MilleniumBuc

You will need to request a transcript of the conversation from wage works to see if you were misinformed on the initial conversation. Hopefully it was an email or chat, then you do not need to ask them for a transcript. That is the only way you might be able to get your money back, based on bad advi...

MilleniumBuc

Anyway, this past year we have had some cash-flow issues due to invoicing problems and our management recently announced that 401k matches for 2016 will be deposited into employee accounts in JUNE 2017!! This drives me nuts - my employer is basically taking an interest free loan off of our money fo...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

Not if its the same day, especially middle of the week, middle of the month. Those are the slow times for auto dealerships.

MilleniumBuc

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 ...

MilleniumBuc

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.

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

They also hope that the 'deadbeats' have something happen where they cannot come up with the full balance payment.

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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 ...

MilleniumBuc

No offers. Just expectations that we have been trained well

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MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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 ...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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

If not, then separate checks.

MilleniumBuc

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.

MilleniumBuc

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-...

MilleniumBuc

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...

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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...

MilleniumBuc

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.

MilleniumBuc

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.

MilleniumBuc

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...

MilleniumBuc

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. ...

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