Search found 332 matches

by Cigarman
Wed Jul 08, 2020 5:13 am
Forum: Personal Consumer Issues
Topic: Pre-fab (modular) home building experience
Replies: 15
Views: 964

Re: Pre-fab home building experience

"This Old House" once did new construction using this method and the house looked fantastic. Here in NC there is a home designer who does this and their homes are located here: https://www.williampoolemodular.com/ In my opinion, the way these are built I think you end up with a better product and eq...
by Cigarman
Tue Jul 07, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Truck Rental Alternative Vendors?
Replies: 6
Views: 413

Re: Truck Rental Alternative Vendors?

I think a quick Internet search might find lots of truck rental options like Enterprise, etc. Have you looked into the idea of loading a container at your place and having them move it to your new place? It may take a bit longer but relieves you of some of the hassle.
by Cigarman
Tue Jul 07, 2020 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Car Accident: Claiming Diminished Value and Loss of Use
Replies: 3
Views: 441

Re: Car Accident: Claiming Diminished Value and Loss of Use

In my opinion, your insurance company should be handling this, not you. That is what you pay them for and they should certainly be an advocate on your behalf. When I had an accident in 2018 my car was paid for and the damage was such that it was totaled. I asked the question on the board about suing...
by Cigarman
Mon Jul 06, 2020 4:57 am
Forum: Personal Consumer Issues
Topic: Verizon Wireless hassle!
Replies: 20
Views: 1910

Re: Verizon Wireless hassle!

You may also, if you stick with Verizon, want to look at your plan. Many plans are old and no longer available with better, less expensive plans now being offered. I went from two phones to one and my bill only dropped by about $20. I quick scan of available plans showed that there was a plan, with ...
by Cigarman
Wed Jul 01, 2020 6:11 am
Forum: Personal Consumer Issues
Topic: Thinking of buying a Mercedes SUV
Replies: 42
Views: 2231

Re: Thinking of buying a Mercedes SUV

I own a 2014 GLK 350 4 matic with 45,000 miles on it. Each visit for regular maintenance runs in the neighborhood of $800-$1000. I replaced the tires at a local shop about 3 years ago and take it there for rotate, balance, alignment check, etc. The biggest drawback is the lack of room in the back se...
by Cigarman
Sun Jun 21, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Repairing car after an accident
Replies: 17
Views: 1009

Re: Repairing car after an accident

I have been rear ended three times and each time I told my insurance company to handle the entire process. That's why I pay for insurance. They are just trying NOT to deal with it, which is their job, to deal with it.
by Cigarman
Sun Jun 14, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Noisy return/intake in new HVAC
Replies: 59
Views: 2778

Re: Noisy return/intake in new HVAC

I can't speak to the technical aspects of this all but I do know the air returning through the vents gets LOUDER when the filters are very dirty (although I try to avoid letting them get to that point.) Dirty filter = restricted air flow. Too small a duct or return vent = restricted air flow hence t...
by Cigarman
Sun Jun 07, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Help me pick a new iPhone? (recs?)
Replies: 19
Views: 786

Re: Help me pick a new iPhone? (recs?)

Strayshot,

I have a 1.5 year old Xs if you are interested that I would like to sell. DM me for details.
by Cigarman
Fri Jun 05, 2020 6:05 am
Forum: Personal Consumer Issues
Topic: I Guess I Need A New TV?
Replies: 18
Views: 2141

Re: I Guess I Need A New TV?

I had a problem with a TV once and after the XXXX maker YYYY model search it turned out that the capacitors the manufacturer used were susceptible to "blowing" out. Essentially, capacitor rating was barely high enough to make the grade, so to say. Found a guy who sold capacitor kits on the Internet ...
by Cigarman
Wed Jun 03, 2020 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

So you have nearly $200,000 in non-retirement accounts split between yours, hers and ours.....

Why not just pay it off?
by Cigarman
Thu May 07, 2020 7:06 am
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3068

Re: How do I get out of home a partnership agreement?

If it were me I would post a FSBO sign outside when he is sleeping with phone number. Of course, listing with a true realtor would be better but chances are no realtor would want to get involved in this. I would also price it to move quickly, like maybe at just enough appreciation to cover the closi...
by Cigarman
Thu May 07, 2020 6:44 am
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3068

Re: How do I get out of home a partnership agreement?

If he refinances and you get your 20% back, just make sure it is clear that you will be at the closing to pick up your cashier's check.
by Cigarman
Tue May 05, 2020 6:19 am
Forum: Personal Finance (Not Investing)
Topic: HSA contributions forgivable for PPP?
Replies: 8
Views: 543

Re: HSA contributions forgivable for PPP?

This may be helpful... https://home.treasury.gov/system/files/136/PPP%20Borrower%20Information%20Fact%20Sheet.pdf It does not specifically address HSA contributions but you could argue that HSA contributions are a "benefit" that are covered. Especially if you have a history of receiving these from a...
by Cigarman
Sun May 03, 2020 5:08 am
Forum: Personal Finance (Not Investing)
Topic: BofA PPP loan - amount less than requested
Replies: 17
Views: 1670

Re: BofA PPP loan - amount less than requested

I believe $22,500 is the maximum you can receive as PPP tops at $100,000 per employee when extrapolated for a full year.

$22,500/2.5 = $9,000 x 12 = $108,000 per year.

This should help: https://home.treasury.gov/system/files/ ... -Sheet.pdf
by Cigarman
Sat May 02, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Possible cash withdrawal error by bank?
Replies: 37
Views: 1691

Re: Possible cash withdrawal error by bank?

Just as an FYI, https://tribeyeo.wordpress.com/2017/03/03/banks-rearrange-transactions-in-order-to-charge-more-overdraft-fees/ So I may not have been 100% correct but banks do rearrange transactions in order to generate more fees. What shows up on your statement is not necessarily how things occur b...
by Cigarman
Sat May 02, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Possible cash withdrawal error by bank?
Replies: 37
Views: 1691

Re: Possible cash withdrawal error by bank?

One of the biggest "Gotcha's" in the banking world is how the process withdrawals and deposits. It is my understanding that the order things show up on your statement is irrelevant. Each night a bank processes withdrawals FIRST, then non-cash/electronic transfer deposits. So, if you have $2000 in yo...
by Cigarman
Thu Apr 30, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14551

Kudos to Southwest - Travel Funds

Back in late March Southwest posted this on their website: If you decide not to travel, as long as you cancel your flight at least 10 minutes before its scheduled departure, the funds used to pay for a nonrefundable ticket are normally valid for one year from the date of purchase. However, in recogn...
by Cigarman
Thu Apr 30, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 3082

Re: Are gamblers using the market now that casinos are closed?

Gambler here....

Keeping my investment strategy the same.

Now just driving up to casino's and forking over my money. Not as big a thrill but still the same result! LOL
by Cigarman
Thu Apr 30, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3409

Re: How to I invest in the self-driving car industry?

I am personally not sold on the whole transition to self driving cars. Perhaps owning one might change my perspective. If self driving cars are done by car and/or ride share, how impatient will you be while waiting for the car to arrive if you don't have one nearby? We used to be able to wait for de...
by Cigarman
Tue Apr 07, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: How would you handle this doctor billing issue?
Replies: 22
Views: 1581

Re: How would you handle this doctor billing issue?

Switch practices?

I would never allow an authorization to charge in a case like this where the recourse takes forever.
by Cigarman
Tue Mar 31, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Taking SBA Loan When Not Absolutely Needed - Moral Considerations
Replies: 18
Views: 1523

Re: Taking SBA Loan When Not Absolutely Needed - Moral Considerations

An email I got today after I applied for SBA loan last week. Some of the links will take you where to apply. We know you are facing challenging times in this current health crisis. The U.S. Small Business Administration is committed to help bring relief to small businesses and nonprofit organization...
by Cigarman
Mon Mar 30, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Rates
Replies: 10
Views: 878

Re: Insurance Rates

If you were an insurer would you lower your rates because of a 2 month "blip" on the overall stats? Whether you stay at home or not, it should not effect your homeowner's whatsoever. Consider the lower gasoline bill & wear and tear on your vehicle as the insurance discount.
by Cigarman
Sun Mar 01, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: 51/49 LLC partnership. Need quick advice!!
Replies: 19
Views: 980

Re: 51/49 LLC partnership. Need quick advice!!

Personal Experience Here! He is not working on your behalf and get prepared to lose your money and sanity. I was a minority partner in a business that did not have a shareholder's agreement in place at the beginning. Finally got one done about 4 years down the road. Ouch to say the least. At the end...
by Cigarman
Sun Feb 09, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1415

Re: Troubleshoot brown tap water (cold water only)

I had an issue with black water in the kitchen faucet one time, only on hot water. I bought an exact same model faucet at Home Depot and replaced the unit and the issue went away. Since the faucet had a lifetime guarantee, I sent it to the manufacturer with a copy of the receipt. They sent me back a...
by Cigarman
Sun Feb 09, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Advice on how to market or sell a profitable business
Replies: 5
Views: 525

Re: Advice on how to market or sell a profitable business

Is curious what state you are in? Obviously you don't want to go the route of a business broker.
by Cigarman
Tue Dec 17, 2019 9:46 pm
Forum: Personal Investments
Topic: Transferring EJ to VG Advice?
Replies: 12
Views: 721

Re: Transferring EJ to VG Advice?

Order her to liquidate the specific funds. That's all you need to say. Let Vanguard handle the rest. If appropriate, send it in writing making clear you ARE NOT taking any distributions. Less said the better.
by Cigarman
Sun Dec 15, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Car financing denied after 2 weeks
Replies: 131
Views: 7436

Re: Car financing denied after 2 weeks

This happened with us and it was called "spotting". Sign paperwork, give you a car, come back and say deal fell through. Usually after several weeks have passed in order for you to "fall in love" with the vehicle. Finance guy told me that we had been driving the car at no charge for a month. My resp...
by Cigarman
Tue Nov 26, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Power Lift Recliner
Replies: 5
Views: 309

Re: Power Lift Recliner

Going through the same thing with my MIL. Medicare will pay for up to $275 for the lift mechanism only, nothing else. You will need a script from her doctor and chart notes supporting the reason for the chair. Apparently the mechanisms are separate from the chairs. She is just outside Indianapolis s...
by Cigarman
Mon Oct 28, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Bronze vs Bronze HSA
Replies: 18
Views: 1552

Re: Bronze vs Bronze HSA

I think the benefit of the HSA and being able to stash away money for future medical expenses is far superior. Last I knew it was up to $5000 per year you can put in there and as expenses rise (with age) that becomes even more valuable.
by Cigarman
Sun Aug 25, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 14094

Re: Amazon -- no longer the lowest prices, evidently

Consider this: Over 50% of Amazon's sales orders are third party (Google: What percentage of Amazon sales are third party?) So, Amazon itself is not setting the price on half their orders. They are just collecting a commission for being a sales outlet. Those third party sellers have to make money so...
by Cigarman
Tue Aug 20, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 12590

Re: Anyonw driving Uber for fun and pocket money in retirement?

We were just in Vegas and my BIL from the Bay Area is a huge Uber fan so we used it several times. $12 ride from The Strip to Downtown for 2 of us. $20 ride from Venetian to the airport area for 4 of us. In each case, given waiting time, driving time, expenses, etc. my guess is these guys barely mak...
by Cigarman
Fri Aug 02, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1745

Re: USAA suspects credit card may have been compromised

Unfortunately this is how life is nowadays. I suspect that most, if not all of us, with credit cards will have to deal with this on an ongoing basis. Best defense is to freeze your credit and look at your statements as soon as they come in. In my case the fraud alert software used by the CC companie...
by Cigarman
Sun Jul 28, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: New house... need to buy fridge and washer & dryer
Replies: 44
Views: 3930

Re: New house... need to buy fridge and washer & dryer

Just a word of caution regarding front load washers... They tend to vibrate (a lot) and if put in a second story laundry room OR a non-slab foundation (crawl space, basement beneath, etc.) there is the likelihood that you could experience some shaking in other rooms in the house. Of course, it has b...
by Cigarman
Sun Jul 21, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Deducting Mileage for Business Meetings
Replies: 9
Views: 1059

Re: Deducting Mileage for Business Meetings

My CPA has been warning about mileage deductions for the last several years and encourages all his clients to use some sort of software to keep track just in case you are audited. Personally, I use MileIQ but there are many apps that work with your smart phone and bluetooth. If you decide to deduct ...
by Cigarman
Sun Jul 14, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Can an HOA ARB legally deny a request to install motion sensing SPOT lights
Replies: 19
Views: 2683

Re: Can an HOA ARB legally deny a request to install motion sensing SPOT lights

Two scenarios that happened in our HOA, in North Carolina. A) I wanted to put up a privacy fence between our driveway and our neighbors. First disallowed because the architectural committee said it was not formatted properly. Appealed that to the board who said it was formatted properly and then com...
by Cigarman
Sun Jun 09, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Notify insurance or not?
Replies: 22
Views: 2304

Re: Notify insurance or not?

No Police Report? Even if there was no/minor damage ALWAYS get a police report. It tends to avoid lapses in memory
by Cigarman
Mon Mar 25, 2019 5:06 am
Forum: Personal Finance (Not Investing)
Topic: What to do when client doesn't pay and ignores you?
Replies: 29
Views: 3847

Re: What to do when client doesn't pay and ignores you?

I own my own business and run into this from time to time. I have found that filing out the paperwork for small claims and sending it to the client with a note that says "if payment is not received by X date, I am filing this claim". Amazing how people respond when they know you are serious enough t...
by Cigarman
Mon Mar 11, 2019 4:52 am
Forum: Personal Finance (Not Investing)
Topic: $1800 preventive maintenance for car vs running it to the ground
Replies: 15
Views: 1890

Re: $1800 preventive maintenance for car vs running it to the ground

I own a Honda and they suggest replacing timing belt and water pump every 120k miles. Even if the water pump is not bad, you need to remove the timing belt to replace it so best done at the same time. You may want to check the service manual to see if something like that is recommended. You may also...
by Cigarman
Sun Feb 10, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 10705

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

Simple Rules for any accident, regardless of damage. 1. Call police and get an official report. You never know who you are dealing with on the other end. 2. Call your insurance company and tell them to handle it. That is why you pay for insurance. See how simple this is? Works every time. No crazy p...
by Cigarman
Sat Feb 09, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 12515

Re: Buying house with son [and his girlfriend]

I just want to be a fly on the wall for Thanksgiving dinner the first time after there is a major conflict, which there will be.
by Cigarman
Wed Dec 12, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 6108

Re: Lyft driver got into an accident, but denies it

Always call the police, especially if you are doing a Lyft or Uber and they don't call the police. Yes, you can take pictures which helps your case but a police report is the best document you can have, especially when you are from out of town. The skeptic in me would say how can you be believed if ...
by Cigarman
Fri Nov 16, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 4298

Re: Anyone have a bad experience with HDHP?

My wife and I have individual HDHP plans through BCBS of North Carolina. $5000 deductible for each. We both have had health issues that allow us to meet the deductible throughout the year, her faster than me. At $1300+ per month for both of us, that means we essentially pay in excess of $25,600 tota...
by Cigarman
Fri Nov 09, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Career/Life Advice Needed - When to start a business?
Replies: 20
Views: 1784

Re: Career/Life Advice Needed - When to start a business?

When you start your own business, what would it be? I did this 20 years ago and have not looked back. I found my passion to be taking care of customers and not wanting to rely on other employee's so I am a one man business. You should ask yourself the following questions: 1. What am I passionate abo...
by Cigarman
Mon Oct 15, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Doing my own taxes?
Replies: 13
Views: 1622

Re: Doing my own taxes?

Thanks for the reality check....

Probably best to leave things as they are.

For those who asked, I do all the other accounting functions (bill paying, entering invoices, etc.)
by Cigarman
Mon Oct 15, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Doing my own taxes?
Replies: 13
Views: 1622

Doing my own taxes?

Just finished writing checks to the IRS and my accountant and was considering whether I should do my own taxes going forward. In 2018 I will have paid my accountant approximately $4000 for Quarterly Tax Filing, Business Taxes and Personal Taxes. I own a sub Chapter S corp that generates about $1,000...
by Cigarman
Mon Oct 15, 2018 6:02 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4699

Re: How Much Is Your Sewer Bill?

Here is my latest bill in Holly Springs, NC (just outside Raleigh) Garbage 9.69 Yard Waste 3.00 Recycling 4.34 Water 26.54 Sewer 26.54 Irrigation Water 291.92 Stormwater 3.00 Note that I have a separate meter for irrigation (my wife is a gardener) so I don't have to pay the "sewer" on that. Weekly p...
by Cigarman
Sat Oct 06, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14967

Re: What is your annual cost for health insurance?

I have an HSA. $5000 deductible for me and my wife. Covered by BCBS transition plan 2014 Premiums were $675 per month for both of us 2019 Premiums are going to be $1367 per month so pretty much doubled. 2018 our premiums and deductibles totaled $23,800. We both met our deductible. I am curious what ...
by Cigarman
Tue Oct 02, 2018 5:21 am
Forum: Investing - Theory, News & General
Topic: Help me understand how my Roth IRA went up so little this month
Replies: 9
Views: 1436

Re: Help me understand how my Roth IRA went up so little this month

Just for fun, if the Dow goes DOWN and your account goes UP, what does that do to one's brain? LOL. Sounds like a case of someone asking you what time it is and you explaining to them how a watch is built. I do a monthly spreadsheet of all my various accounts (retirement, savings, etc.) so I can see...
by Cigarman
Mon Sep 03, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Question for minor car accident (other side clearly at fault)
Replies: 11
Views: 1357

Re: Insurance Question for minor car accident (other side clearly at fault)

I had someone rear end me earlier this year. Clearly their fault. My insurance company (Amica) suggested I could either pay my deductible and then work to get it back or deal with the other driver's company. I told them, point blank, that they needed to handle it with the other insurer (Geico) since...
by Cigarman
Sun Sep 02, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: furnace came on even with thermostat off
Replies: 5
Views: 811

Re: furnace came on even with thermostat off

The wiring is old and if the insulation is starting to separate, make sure you use some good electrical tape so you don't short out either the AC or the furnace. We got new thermostats as gifts for Christmas and had that issue...zap! 25 year old furnace crashed on Christmas eve.