Search found 6515 matches

by jeffyscott
Mon Nov 20, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Holding a mortgage for someone else - options?
Replies: 35
Views: 2345

Re: Holding a mortgage for someone else - options?

Hi Jeffy, can you tell me more about how you "balanced things out" in the Roth? How do you account for the change in value of the assets in the Roth vs the change in value of the home (or would it be the value of the cash given?) Do you adjust the percentage going to each beneficiary on a regular b...
by jeffyscott
Mon Nov 06, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3869

Re: Considering a LG 55" OLED TV

I wonder if the slight difference in model numbers would be an issue for that? Costco has it as Model OLED55B7 Best Buy has it as Model: OLED55B7A You might actually be better off to use https://shopping.google.com and searching for OLED55B7P, and taking one of those sites for the price match. I ha...
by jeffyscott
Mon Nov 06, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3869

Re: Considering a LG 55" OLED TV

I'm not buying yet, but some random sellers have the 55 inch LG OLED model at about $1100 already. What model? Some years 2015 have terrible banding. I guess 2016 and 2017? Saw that price for OLED55B7 and OLED55B6, with P, A or no extra letter at the end. Just do a search with the model numbers and...
by jeffyscott
Mon Nov 06, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3869

Re: Considering a LG 55" OLED TV

I'm not buying yet, but some random sellers have the 55 inch LG OLED model at about $1100 already.
by jeffyscott
Mon Nov 06, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3869

Re: Considering a LG 55" OLED TV

WhiteMaxima wrote:
Fri Oct 27, 2017 10:30 am
for 4K video, you need 65" or large TV. For 55", 1080p is good enough.
It's really about how close to the TV you want to sit. Personally, I have no use for anything above 1080p. However, it seems the OLED TVs only come in in 2160p (aka 4K)?
by jeffyscott
Mon Nov 06, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3869

Re: Considering a LG 55" OLED TV

QLED is not close to OLED. QLED is overpriced edge lit technology. Just as "LED" itself is nothing but a different backlight on a LCD display. Some other mfr has XLED, I have no idea what it is but would guess like "Q" it's just another variation on a LCD with LED backlight. Also "4K" is really 216...
by jeffyscott
Mon Nov 06, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3869

Re: Considering a LG 55" OLED TV

Keep in mind that Citi has Price Rewind, so you can buy it at Costco, submit the printout of the Best Buy website price, and they’ll credit you the difference. (up to $500) I wonder if the slight difference in model numbers would be an issue for that? Costco has it as Model OLED55B7 Best Buy has it...
by jeffyscott
Sun Nov 05, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Holding a mortgage for someone else - options?
Replies: 35
Views: 2345

Re: Holding a mortgage for someone else - options?

Oh - it also turns out that we may not have to write up a mortgage. Apparently we have "the option of creating a “security interest” under the provisions of Article 9 of the Uniform Commercial Code. See, RSA 477:44(IV). " :? ROFL! Yeah I have no idea what that means, but it definitely sounds like s...
by jeffyscott
Sat Nov 04, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Holding a mortgage for someone else - options?
Replies: 35
Views: 2345

Re: Holding a mortgage for someone else - options?

I don't know if this will work for you, but here's what we did. Loaned ~$50K to buy a house to one of our three children. No interest is changed, from what I read at the time this is allowed as long is loan is under $100K and the person getting the loan has less than $1000 (or something like that in...
by jeffyscott
Sat Nov 04, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: St Louis: from airport to hotel (uber, shuttle or rental)
Replies: 23
Views: 1196

Re: St Louis: from airport to hotel (uber, shuttle or rental)

The hotel doesn't have a shuttle and I don't know the area to be confident we won't be stranded at 9pm at the airport. Every airport has ground transportation information on their website: https://www.flystl.com/parking-and-transport/transportation Would there not be any other wedding guest willing...
by jeffyscott
Thu Nov 02, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Use Time Warner for home phone vs ATT
Replies: 9
Views: 809

Re: Use Time Warner for home phone vs ATT

Cable company charges too much, for us. We have only internet, but I doubt any bundle can beat Ooma. We Have had Ooma for 4 years or so. It has been great, one issue in that time that was taken care of within a day of when we called about it. It now costs $5.25 per month and was $80 or $100 for thei...
by jeffyscott
Thu Nov 02, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3041

Re: Do you Mow your own Lawn?

dm200 wrote:
Thu Nov 02, 2017 9:28 am
Usually my wife does :happy
Ever since we went to a battery powered mower, me too. :sharebeer

I think I mowed once this year, twice at most.
by jeffyscott
Wed Nov 01, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 2133

Re: Railpass vs CP prices

I bought 15 days euro rail pass just in case. About $500 per adult. Two kids free. That seems like a lot. For example: 1. Lisbon - Porto, AP first class, no discounts is €43 one way. So, party of 4 would be $200 USD, But, significant discounts are available. 2. Lisbon - Sintra, Urbano (the only cho...
by jeffyscott
Wed Nov 01, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5317

Re: No true pay as you go [cellphone plan]

I too feel there are too many hoops, details, and hassles for most people, so that's why I inform of my experience but do not recommend Freedompop to others. You can now have multiple devices under one email without having a family plan (the one that charges $5 per line), but then they can not frien...
by jeffyscott
Wed Nov 01, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5317

Re: No true pay as you go [cellphone plan]

OP, that Red Pocket plan is the most flexible - the kit allows you to choose whichever network (AT&T, Sprint, T-Mobile, Verizon) works best in your area. I just ordered it to use with an old Sprint tablet. Freedompop...well, you better have great Sprint coverage. And use a prepaid (or temporary) cr...
by jeffyscott
Tue Oct 31, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1691

Re: Barcelona Trip

serbeer wrote:
Mon Oct 30, 2017 5:35 pm
Barcelona, Spain? You surely meant Barcelona, Catalonia?
;)
You surely meant Barcelona, Catalunya? :)
by jeffyscott
Tue Oct 31, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5317

Re: No true pay as you go [cellphone plan]

I checked out FreedomPop, and their options look very interesting. I'm currently on an old legacy T-Mobile prepaid plan that is quite affordable but offers no data options. As a result I'm used to using the phone with no data when away from WiFi. I rarely make calls, and seldom text. The $0 Freedom...
by jeffyscott
Sun Oct 29, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Air Bag Claim notice from Takata (TK Holdings)
Replies: 9
Views: 1400

Air Bag Claim notice from Takata (TK Holdings)

The defective air bag in my 11 year old car was repaired or replaced some time ago, but I have received a notice that seems to indicate that I should file a claim anyway? Are others who have already gotten air bags fixed filing this claim form? The form has section for the amount of the claim, where...
by jeffyscott
Sat Oct 21, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 28
Views: 2864

Re: How soon to cancel a credit card after signup bonus.

Chase Freedom does not allow transfer of points to airlines, Sapphire does. I think freedom also does not give any bonus value for booking travel through the chase site. I think with the Freedom card there is really no added value to doing anything other than cashing in. So not sure what the point o...
by jeffyscott
Thu Oct 19, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 28
Views: 2864

Re: How soon to cancel a credit card after signup bonus.

If you can prorate, I wonder how that works with some of these cards with high up front bonuses that charge you annual fee first year? Can you cancel the card after getting your bonus to get Your prorated fee back? I did some searching, since we recently took advantage of Barclaycard's, pay fee, us...
by jeffyscott
Thu Oct 19, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 28
Views: 2864

Re: How soon to cancel a credit card after signup bonus.

To take it further, often I won't even follow up until I am charged the fee. When I see it come through on quicken, I'll call and see if I can get it waived. Sometimes they waive it if you spend a small amount of the next month. If they don't, you may have the option to downgrade if you so choose, ...
by jeffyscott
Wed Oct 18, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 28
Views: 2864

Re: How soon to cancel a credit card after signup bonus.

In my experience you can even wait until you get the bill with the fee to cancel and you won't have to pay the fee. Most cards will notify you a month or more before the bill with the fee is coming. I usually just wait for that and convert or cancel the card then. One Amex card never notified my and...
by jeffyscott
Wed Oct 18, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Benefits - Insurance Options, are these useful?
Replies: 17
Views: 1016

Re: Employer Benefits - Insurance Options, are these useful?

If you have adequate health insurance, life insurance, and disability insurance, you probably don't need those specialized products, that are likely overpriced.

If you don't have adequate health, life, and disability the money would be better spent toward getting it.
by jeffyscott
Thu Oct 12, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2829

Re: I need a better online checking w billpay and mobile check deposit

I've found Charkes Schwab Bank to be good. Their website is a bit dated, but things work, and their phone service is excellent. Have not used phone, but have gotten good service via email and chat. Use their bill pay and never had a problem. I originally opened the account when it was required to g...
by jeffyscott
Wed Oct 11, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Free reader App for tablet (for Spanish language books)
Replies: 1
Views: 151

Re: Free reader App for tablet (for Spanish language books)

I use overdrive and get e-books from the public library, project gutenberg, and open library. I noticed that the play store seemed to have a language indicator at the end of the url for that app, so I changed this: https://play.google.com/store/apps/details?id=com.overdrive.mobile.android.mediaconso...
by jeffyscott
Wed Oct 04, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA, if I just want a savings account
Replies: 6
Views: 711

Re: HSA, if I just want a savings account

For a $200 bonus, it seems worth the reduction in convenience vs. my current credit union.

Especially with fees includes none for opening or closing.
by jeffyscott
Wed Oct 04, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

I have discovered the reason for the statement of things I am to acknowledge. It is intended to keep it exempt from ERISA. https://www.shrm.org/resourcesandtools/legal-and-compliance/employment-law/pages/hsas-erisa.aspx Seems like they are making at least two of the misteps listed there by telling m...
by jeffyscott
Wed Oct 04, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

1040 line 25, Health savings account deduction.
by jeffyscott
Wed Oct 04, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA, if I just want a savings account
Replies: 6
Views: 711

Re: HSA, if I just want a savings account

They refer to it as a set up fee, so I think it is actually a fee.

To clarify, my current balance is $15,000. Had HSA with employer for 3 years. As a retiree, I'd be moving that as I am not happy with their fees or service.
by jeffyscott
Wed Oct 04, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

I think I may be allowed to escape my former employer's plan. The custodian has now told me I am free to go elsewhere, now I just have to get the agency to see their error. Perhaps the custodian will tell them they can not require me to use them. I am thinking the statement in their form that "You a...
by jeffyscott
Wed Oct 04, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA, if I just want a savings account
Replies: 6
Views: 711

HSA, if I just want a savings account

Does anyone have a suggestion for an HSA savings account for balance of $15,000-20,000? My credit union offers an HSA that currently pays 0.76% and has no fees other than a one time cost of $25 to create it, no fee to close it. This would be convenient and in looking at other options, I am not seein...
by jeffyscott
Wed Oct 04, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 108
Views: 26578

Re: How to get a real Chip and Pin card?

The point was that if someone is complaining about giving up cash back to hold a real pin card then the solution is to hold two cards. I'm just advocating common sense to solve a perceived problem. Complaining? I was just noting that for my purposes I have been satisfied with the Arrival as a PIN c...
by jeffyscott
Wed Oct 04, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 108
Views: 26578

Re: How to get a real Chip and Pin card?

Thanks for the correction. I'd like a PIN card, but not willing to give up rewards worth 1.5-4% on purchases that I get from my other cards in exchange. Nor am I willing to give up the sign-up bonus game in exchange. So for now I stick with the rebates despite the useless signature "verification" an...
by jeffyscott
Tue Oct 03, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

I googled and found this state code, but doesn't seem to mandate a HSA with the HDHP, so I'm guessing it's an administrative decree, not legislated. http://law.justia.com/codes/wisconsin/2014/chapter-40/section-40.515 I now think they are simply misinterpreting that statute. They specifically state...
by jeffyscott
Tue Oct 03, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

Yep, I read the statute, too. Also they now have sent me a form that says on p. 1, "Note: I understand retirees are required to have an active HSA if enrolled in an High Deductible Health Plan (HDHP) and are also responsible for the $3 per month account maintenance fee..." and then on p 10: "You ack...
by jeffyscott
Tue Oct 03, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

AFAIK, no fee waiver no matter what balance is or where you keep it.

Besides the $36, they have also been an annoying PIA, one way or another, every year.
by jeffyscott
Tue Oct 03, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

I do want HSA, but it appears that I could get that elsewhere for $0 per month. And as I recall last year, as an active employee, they did say something about if you didn't sign up for HSA you would not be enrolled in the HDHP (they'd then put you in the non-HDHP, I assume). But actives get $1500 (f...
by jeffyscott
Tue Oct 03, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 108
Views: 26578

Re: How to get a real Chip and Pin card?

kayanco wrote:
Sun Oct 01, 2017 2:43 pm
Doesn't the Target REDcard MC offer the exact same features?
The Internet tells me that card can only be used at Target.
by jeffyscott
Tue Oct 03, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

What state? I would have thought "no", but the wording sure means you do. If there isn't a state statue, I'm guessing some administrator or lawyer went overboard and created their own rule. Is there an employer contribution to the HSA? If this were so, and most or all employees received the benefit...
by jeffyscott
Tue Oct 03, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

Ugh. It's stupid, and it doesn't look right. BUT, $36 per year isn't worth losing healthcare for, and you'd have to convince a government agency their healthcare policy is wrong. Not how I'd want to spend my retirement. especially since the tax benefits of an HSA are so great Oh, I'll still keep it...
by jeffyscott
Tue Oct 03, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Re: Is an HSA required if one has HDHP?

I might be able to move some money out, but they say if your HSA can not cover the $3, you are no longer eligible for the HDHP. They say to be eligible for the HDHP plan (their bold), "You must be covered by High Deductible Health Plan (HDHP) and enrolled in a Health Savings Account (HSA). and "Reti...
by jeffyscott
Tue Oct 03, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1542

Is an HSA required if one has HDHP?

I understand that in order to be qualified to have an HSA, one must have only coverage through a HDHP. I just want to verify that the opposite is not a requirement, one can have a HDHP but not have the HSA? I think I know that it is not, but just want to be 100% sure before complaining to my former ...
by jeffyscott
Wed Aug 23, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: best credit card for airline mile
Replies: 37
Views: 5730

Re: best credit card for airline mile

Sorry for restarting this thread - I thought this would be the best thread to state my question - I have a Chase United Airlines credit card. I used to travel a lot on business and the yearly fee ($95) was not bad in light of what I was doing. I have since started working from home and travel maybe...
by jeffyscott
Wed Aug 23, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: best credit card for airline mile
Replies: 37
Views: 5730

Re: best credit card for airline mile

I have an old Chase United Mileage Plus card with no annual fee. The mileage earning rate is only 1/2 the typical, but I keep it around and use it every six months or so to keep it alive. This would keep my United miles from expiring if I didn't fly them for a while. This no fee card is available i...
by jeffyscott
Wed Jun 28, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 15
Views: 2122

Re: radon test kit

Seems pretty dishonest behavior to me. Pullease! Show me mortality statistics for healthy people (non-smokers). I'd call it fraud. Your stat of being equivalent to chance of dying in a car accident is based only on the minimum action level of 4. At 10 which is very easily achieved and exceeded wher...
by jeffyscott
Sat Jun 24, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5995

Re: What is your car's average cost ownership?

Makes more sense, 52 cents per mile seems reasonable. Looks like they have about 20 cents per mile for depreciation and 5 cents per mile for maintenance, very similar to my own figures. It calls the 47 cents per mile "value of reallocating the driver’s time and productivity" a conservative estimate....
by jeffyscott
Fri Jun 23, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5995

Re: What is your car's average cost ownership?

I just thought the tires were included because the OP viewed them as part of the vehicle aquisition costs. Car was apparently purchased knowing it needed new tires right away.
by jeffyscott
Fri Jun 23, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5995

Re: What is your car's average cost ownership?

I still think many people are leaving out the consumables and focusing only depreciation. Total Cost of Ownership should include everything related to the vehicle. They are providing the information that was requested, which was focused on depreciation costs. The OP presented "Total capitalized cos...
by jeffyscott
Thu Jun 22, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5995

Re: What is your car's average cost ownership?

Lessons : - In think the "per mile" metric is the most meaningful. - Buying new isn't necessarily bad, a Honda Accord value doesn't crash like a luxury car - MPG matters for TCO! Lessons : - The initial purchase price of the vehicle doesn't matter as much as we like to imagine - Annual mileage and ...
by jeffyscott
Wed Jun 21, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 5995

Re: What is your car's average cost ownership?

For the average American, if you drive under 9,000 miles per year - it's more cost effective to use UBER. Definitely not as convenient, though. Also, I just jumped on their website to price my commute (13 miles each way) and was quoted a little over $2 a mile - 8 times my actual, all-inclusive cost...