Bogleheads.org

MilleniumBuc

Say you owe $500 and minimum pmt is $30 and have auto-pay for the minimum. Then you pay $100 before the payment date. What do they do? Take the $100 only? The $100 and the $30? That is why they decided on a rule. It isn't always clear. How about this use case: You owe $500 and have auto-pay to pay ...

MilleniumBuc

Though I can see this as annoying, how much are we talking here? $27 applied to next month? You are not losing the money. It is applied to the account. Further, if you forget to pay the minimum (which is the reason you stated for setting this up), I'd be more concerned about the interest charges on...

MilleniumBuc

I start by saying that I understand this is not your typical financial institution credit card, so I am not sure how they are regulated, but here goes my warning: Statement closed on Oct. 5 with a statement balance of $460. On Oct. 6 I signed up for automatic minimum payment, as I have for many othe...

MilleniumBuc

AD and D is very cheap insurance and I am always tempted when I see the rates. But AD and D is very limited! What if you die in a car crash of a heart attack and not because of your injuries? Would AD and D pay? No, it wouldn't pay in the case of your hypothetical car accident. And they all define ...

MilleniumBuc

Unfortunately not installed at Costco. Sam's Club does install and sell batteries. Not completely true. Sam’s Club is like all the others, they won’t change it if they have to go through something else to get to it now. I had bought a battery for my Odyssey from them, and they installed it. The bat...

MilleniumBuc

.. Even if you have cleared contingencies for financing have your realtor explain to the other realtor and the seller what happened. The seller may feel sorry for you especially if you've been an easy buyer to work with so far and return the earnest money even if they don't have to. Many people are...

MilleniumBuc

There is a "feature" of 0% credit card debt you should be aware of. If you make any new purchases on that card, the interest clock starts immediately on the new purchases. There is no grace period when you have a balance. To make matters worse, any payments you make will go towards the 0% balance a...

MilleniumBuc

No reporting of the difference on W-2.

MilleniumBuc

Be very careful. I ported from Verizon fios triple play to Ooma, followed everything to a T. The day of the port, Verizon cut the cable and internet. When I called, they said that the account is tied to the phone number, and once that is cancelled, the whole account is cancelled. They never mentione...

MilleniumBuc

If your current work and previous work experience is only 8 months in software, there will be various loans you would not qualify for, not having 1 year in one place or 1-2 years in a specific career.

MilleniumBuc

The reason I am not on the lease is because my husband moved to another state and needed a car for his new job- while, I stayed behind to sell our house before moving - I thought when we purchased the car it would be easy to place me on the loan but I’m stump when a Bank of A. Rep told my husband t...

MilleniumBuc

I am in a similar dilema, 4K, and was going to see if the chase freedom 5% for pay pal or chase a pay use would be a good alternative. I do not know the answer, but if it works, I will probably do it. ETA: of course that is depending on how many freedom cards you have. I have 2, so would do 3k max o...

MilleniumBuc

I can give you my experience now that tax season is upon us. When I run the numbers, I wish I hadn’t taken distribution on 36k gross from an old 401k. With taxes and 10% penalty, I am looking at a total owed of 4k to IRS in April. I did save the money to pay the taxes, but it still hurts. At the end...

MilleniumBuc

Looking at older year vehicles of the same line, are they continuing the devaluation trend, or hold steady and you have already taken a hit on most of the devaluation. The reason I ask is because investing 2 grand a month in the market now might give you more losses over the next 2 years than the ca...

MilleniumBuc

Ours sent an email to wait to update w4s until after February, when the new W4 forms and online withholding calculator should be updated by the IRS. The wording used was: “At this time no action is required by you. We will continue to use your existing Form W-4 to calculate your federal income tax w...

MilleniumBuc

Was in this same situation in 2013, during a short sale that wasn’t complete (but all the missing payments were killing my credit) at the end of a lease that I had taken out in 2010. The rate to purchase the lease at the dealer was 18%, and based on how the language was written, I could only buy it ...

MilleniumBuc

My husband's employer does not match 401k contributions until the next year, in one lump sum. So you can max out your 401k early in the year and still get the full match. But if you leave the company before the lump sum, no match at all. :annoyed My last two megacorp employers did the same thing an...

MilleniumBuc

Correct. 2 toll roads with no cash lanes - Veterans and Selmon Expressways (+ Polk Parkay around Lakeland). To go to St Pete or Clearwater or any of the beaches in Pinellas there are no tolls from the airport. A few bridges like skyway and bayway have cash lanes for tolls, and to my knowledge no tol...

MilleniumBuc

You can always estimate and adjust your withholding (W-4) yourself now and do it again if needed when your employer rolls out the new rates. Exactly. I have already updated with employer to go from married 0 plus $75 per bi-weekly paycheck for both of us to married 1 for both to account for the dif...

MilleniumBuc

I submit my daughters after school care at school and the summer day camps, and both have been reimbursable accepted charges.

MilleniumBuc

It must be local. The two times I did not receive an email, there was no regular mail that day, only junk fliers.

MilleniumBuc

For every dentist I have visited in the last decade, they always make me sign some paperwork during the initial visit that Inam ultimately responsible for filling the insurance paperwork, and that they only do it as a courtesy. The paperwork pretty much says that if they don't file it, I should have...

MilleniumBuc

I will be interested to hear responses to this question. I had a similar situation with small scratch and no injuries. Nice gentleman bumped me while I was stopped at a red light. We checked cars and no injuries and agreed to go on our way. Would like to follow responses. Best wishes! Same here. Sm...

MilleniumBuc

I don't get referrals, but each statement mentions how much of my rewards are based on purchases. Worst case you have to look at the 12 statements to see the purchase portion, and substract the rest from the grand total.

MilleniumBuc

Really don't think these type of questions should be answered by anonymous board members, vs a licensed electrician or electrical engineer that will take responsibility for sizing the system. To many things can go wrong from rule of thumb advice, including loss of life.

MilleniumBuc

Once you lock that long, some lenders will have fees in the document you sign about closing with someone else. Just read the agreement and understand it fully before locking in.

MilleniumBuc

so what is the general rule of thumb then for refinancing in terms of how much better the rate has to be. The rule is more like the total cost of refinance should pay for itself as short as possible. Once you start getting into 8-10 years payback periods, you have to be careful since the probabilit...

MilleniumBuc

1.) Blindly following advice of HR woman during intern onboarding at MegaCorp in which she advised opting out of 401k. I pissed away a 6% company match. Total cost < $1k. 2.) Blindly following advice of HR woman during onboarding at phd student onboarding. I learned after the fact that I was eligib...

MilleniumBuc

Went online 9/13 and still waiting. Got this on 9/23: We recognize you may not have received your activation email for TrustedID Premier. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible. So it could be 2019. 9/13 until 9/30, b...

MilleniumBuc

Went online 9/13 and still waiting.

Got this on 9/23:

We recognize you may not have received your activation email for TrustedID Premier. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible.

So it could be 2019.

MilleniumBuc

I am going through the same process with Lennar and their preferred lender. Closing is 10/31, and the process started in March. They were very pushy to get everything done within 30 days, and had all GFE within that timeframe. I was mad at all the pushing because they still have to pull the credit a...

MilleniumBuc

A couple of thoughts on the extra work based on doing that twice. The first one on a rental, the trims had never been painted since the original time, and it took 4 coats due to the trim absorbing the paint, and leaving gaps when dried. The quote was 1500 (it was a friend), and it took him extra tim...

MilleniumBuc

Not same situation, but when leaving a company, I have not been able to roll over until the company notifies them that I am no longer eligible for the plan. And that usually doesn't happen for a few weeks after end of employment. If the old company was sold, just ask the old 401k company if you are ...

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 told...

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.

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