Search found 331 matches

by jbmitt
Mon Nov 19, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot to file Municipal Income Tax
Replies: 14
Views: 958

Re: Forgot to file Municipal Income Tax

RITA was terrible to deal with. The federal and state taxes were a breeze to deal with in comparison. I certainly do not miss the days of earning income in Ohio.

I’d also contact the CPA that handled your taxes and inquire as to how they will help fix the mistake.
by jbmitt
Thu Nov 15, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 343
Views: 22585

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I just opened my account, completed the transfer paperwork, and dropped it in the mail. On a side note, Fidelity screwed up my spouse's transfer from OptumBank to her employer sponsored HSA. They asked for a copy of her prior account statement and it showed investments so they wouldn't transfer it, ...
by jbmitt
Sun Nov 11, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 343
Views: 22585

Re: Elena

I hope this is true. I’ll roll my HSA funds over from Optum. I’m all for having fewer accounts to keep track of. I am also in Optum, with very expensive fund options. Is the provider not chosen for us by our employer, though? I always thought I was stuck with vendors because my employer pitches in ...
by jbmitt
Sun Nov 11, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 343
Views: 22585

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I hope this is true. I’ll roll my HSA funds over from Optum. I’m all for having fewer accounts to keep track of.
by jbmitt
Sat Nov 10, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3549

Re: International Travel during Maternity/Paternity

Worst idea ever. I would suggest staying home with your baby, then sending somebody else on the trip instead. At least then somebody will enjoy the trip, and your baby will be happier and safer. In all honesty you should have done the trip before you had a baby. This is one of the reasons people do...
by jbmitt
Tue Nov 06, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: auto accident
Replies: 4
Views: 868

Re: (My fault) auto accident

Another vote for getting a lawyer. Make sure someone is looking out for your best interests, especially since there is pending injury/medical claim.

I’d also remove the post.
by jbmitt
Mon Nov 05, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9332

Re: What are you learning or studying?

bubbadog wrote:
Sat Nov 03, 2018 5:20 pm
Just finished a one week course to be a FAA Aviation Medical Examiner (AME).
Congrats! There aren’t many available where I live, and I have to go out of state to get a Class 1 medical. Glad to see people interested in offering the service.
by jbmitt
Tue Oct 30, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4236

Re: Subaru Ascent owners out there?

Frankly, it speaks to the reliability of the brand and how they won't honor their warranties, which I would find to be useful information regardless of model. It's not like I was ranting about a Toyota. No it doesn’t. You have one example, it could be a part of a trend or it could be a complete out...
by jbmitt
Mon Oct 15, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Comparison (Builder's Credit)
Replies: 3
Views: 302

Re: Mortgage Comparison (Builder's Credit)

It seems to me that you are trading money now ($8k in closing costs) for a higher interest rate for the duration of the loan. I’d ask yourself if you can afford the house, or if you are would be stretching it only because of the closing costs? I wouldn’t make a decision until you can see for yoursel...
by jbmitt
Sun Oct 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1265

Re: Using credit card rental car insurance

Check to see if it is primary or secondary coverage. Primary means you do not have to submit a claim to your auto insurance company. If the renter in Italy has insurance in the United States, that’s a moot point, since a claim in Italy wouldn’t be submitted to their United States automobile insuran...
by jbmitt
Wed Oct 10, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Airline vs. non-airline travel card
Replies: 10
Views: 896

Re: Airline vs. non-airline travel card

Premier Silver status with United still requires 25,000 PQM or 30 PQS and $3,000. That would indicate to me that you travel or travelled enough at one time. I have two airline cards: Delta AMEX Gold and Chase United Explorer MileagePlus. I prefer the Delta card because I don't have to purchase my ai...
by jbmitt
Wed Oct 10, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 597

Re: Uninsured/underinsured insurance?

Your health insurance will cover your medical bills. It will not cover your lost wages, any pain/suffering, and will not step in for the loss of a sense or a permanent injury. The medical bills are the small part of an injury for many people. Thank you for the explanation, what would the circumstan...
by jbmitt
Wed Oct 10, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 597

Re: Uninsured/underinsured insurance?

1. No, you do not need comprehensive and collision to get it. 2. The property damage is the least important - but it would pay if an uninsured driver were at fault. 3. Collision and comprehensive do not cover injury. If an uninsured driver causes serious injury to you and/or passengers - that could...
by jbmitt
Wed Oct 10, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 597

Re: Uninsured/underinsured insurance?

Underinsured is usually bodily injury (UIM). So if someone else is at fault, injures you, and has insufficient limits to make you whole, your insurance will step in. Determine whether this coverage is from dollar 1 or is offset by whatever coverage the at fault person has. Uninsured can be property ...
by jbmitt
Tue Oct 02, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15555

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

[/quote] I would take Idaho and Iowa off your list unless you both have good jobs lined up before you move there. They both have relatively small populations so there may be limited job opportunities. Both could be fine if you have jobs lined up. [/quote] Are you serious? Those are two of the five l...
by jbmitt
Tue Oct 02, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15555

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

That’s an interesting range of places. I’d suggest you look into the Des Moines, Iowa area. Unemployment is low, quality of life is good, taxes are higher than Texas but not awful. Politics are well.. you can look on your own. There are a number of financial service and insurance companies with call...
by jbmitt
Sat Sep 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1596

Re: Car accident, diminished value claim?

Georgia is the only state where DV is required, in other states it’s by negotiation. If your car is in otherwise good shape and no prior accidents, you may get more traction because it’s a M.B. Typically you need an ‘expert’ to substantiate your number. In my experience as adjuster, the DV claims we...
by jbmitt
Sun Sep 23, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4786

Re: How to pay for upcoming medical / IVF expenses

I’ll preface this that DS is an ob/gyn and deals with this situation regularly and we’ve had close family go through IVF. Until you can pay cash for it, you can’t afford it. $20,000 is just the starting point. Be prepared to spend more ($30,000 - $50,000) than you think because once you start, you w...
by jbmitt
Sat Sep 22, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1920

Re: When is it OK to not go through car insurance after you've been hit?

to avoid any potential awkwardness, it wouldn't hurt to take it to the dealer and get a quote. (A dealer will be sure to look for anything and everything that they can fix.) Then tell her how much it is to fix it. If she wants to give you a check on the spot, great. Otherwise, suggest that you both...
by jbmitt
Thu Sep 20, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2998

Re: Moving to Dallas, how to establish residency

I moved to Texas from Ohio.. and then left after a year. While they’re is no income tax, they will get their money out of you via the water and utility districts if you purchase real estate. As I recall, the cost of vehicle registration and drivers licenses were comparable, but insurance costs skyro...
by jbmitt
Wed Sep 19, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 531

Re: Insurance slow to pay claims post accident - options?

It's an unusual kind of claim, so get from the adjuster who has probably not handled anything similar to the claims supervisor or the manager. Explain your frustrations, and set proper expectations. It also sounds like the amount of the claim probably exceeds the check authority of the primary adjus...
by jbmitt
Wed Sep 19, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5535

Re: State Farm nickel-and-diming me

The problem with the OP running it through his insurance now is that the other insurer has already seen it, done an estimate and has pictures. If his company decides to replace the bumper, the other one will say we already have an inspection that supports repair. Typically it will end in arbitration...
by jbmitt
Tue Sep 18, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5535

Re: State Farm nickel-and-diming me

Unfortunately, this is pretty common. Until the investing website with the same name appeared, betterment was commonly applied to things like tires, batteries, UPD (un-repaired prior damage). The premise is that they are bettering the condition of your car compared to it's condition prior to the acc...
by jbmitt
Wed Sep 12, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1461

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

Put your focus on your training. You career as a good doctor will be much more lucrative than as a first time flipper.
by jbmitt
Wed Sep 12, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10452

Re: Massive Student Loan Debt - Fiancee

My first response is that you don’t deserve this woman if you can only focus on her as a balance sheet. My second thought is perhaps you should work to increase your income potential. If you’re committed to each other, you need to function as a team. What happens if you get hit by a bus and you have...
by jbmitt
Sun Sep 09, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3845

Re: Mold in house and insurance won't cover - options?

I wouldn't involve insurance, and might recommend trying to get an additional quotes if you can get them cheaply before that large of an outlay. Why not involve insurance? A letter from lawyer to the insurance may help get something. Why not pursue that? What’s your endgame with the insurance compa...
by jbmitt
Thu Sep 06, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to layer two umbrella insurance policies?
Replies: 12
Views: 1348

Re: Is it possible to layer two umbrella insurance policies?

You have mentioned that you have $1M of auto liability insurance. Is that the amount required by AAA for your umbrella policy? If the requirement is less than that ($500K seems usual) then it is a waste to pay for the added limit on your auto policy. Ralph The requirement is $500k. I don't quite fo...
by jbmitt
Thu Sep 06, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to layer two umbrella insurance policies?
Replies: 12
Views: 1348

Re: Is it possible to layer two umbrella insurance policies?

Commercial exposures oftentimes have layers of coverage. It may not truly be an umbrella policy and more of an excess policy. Umbrella policies sometimes drop down and provide coverage that an underlying policy may not offer. Excess policies just cover from where they attach. They function very simi...
by jbmitt
Thu Sep 06, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2850

Re: My recent experience with buying custom window blinds

We’ve done Graber cellular shades via Costco and the measuring and installation has been handled by a local blind company. Both times they mentioned that they offer other brands, but they can’t touch the Costco pricing.

We’ve been happy with the quality of the top down, cordless products.
by jbmitt
Wed Aug 29, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering Property Manager Fees as part of insurance claim
Replies: 7
Views: 739

Re: Recovering Property Manager Fees as part of insurance claim

I’d tell them exactly what you replied. Explain how you feel like you didn’t get what you were owed last time. They’ve probably done a loss run or an ISO search and already know about it. It’s not tontheir favor to say anything. I’d expect a jury to be sympathetic to your cause. Filing suit is a way...
by jbmitt
Wed Aug 29, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering Property Manager Fees as part of insurance claim
Replies: 7
Views: 739

Re: Recovering Property Manager Fees as part of insurance claim

I adjusted claims for a period of time. The property manager's costs are somewhat of a gray area on first party claim. They should be more payable under a liability claim. Did you have a tenant, did they have any damages? I'd explain that you are the owner but do not live in the property as it is re...
by jbmitt
Wed Aug 22, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Aftermarket auto-body parts
Replies: 14
Views: 582

Re: Aftermarket auto-body parts

You don’t typically see aftermarket doors. Maybe an aftermarket door skin. Most insurers won’t fool around with a non-manufacturer intrusion beam. When I was an auto adjuster, we typically wrote for used door assemblies if more than a door skin was needed. If it wasn’t available, we’d write for new ...
by jbmitt
Tue Jul 31, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1617

Re: Settle my claim or elevate issue

Insurance only covers what is specifically mentioned in the contract. That is why there is a contract. Except the OP isn’t likely a party to the insurance contract. He may have had a separate contract related to the shipping of his vehicle. The company who he hired to ship his car likely has insura...
by jbmitt
Tue Jul 31, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1617

Re: Settle my claim or elevate issue

Typically on a property damage claim, the compensation is for physical damages only. Lost wages, pain and suffering is more warranted if you are injured.

It’s annoying that you have to put the time in to get things fixed but thats not usually compensated.
by jbmitt
Mon Jul 30, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: need an outback, new, used or lease?
Replies: 29
Views: 2330

Re: need an outback, new, used or lease?

My dealer recommends oil changes at 3000 mile intervals, not the 6000 in the manual. Please don't get suckered into dealerships shortened maintenance intervals. Virtually all dealerships, regardless of make/model, suggest MORE maintenance than is recommended by the manufacturer. It is an easy way t...
by jbmitt
Sat Jul 28, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

Yet another trip...... :D Landing in Des Moines Aug 8 and flying home from KC Aug 15.Only plan now is one day at Iowa State fair.Mostly enjoy nice small towns along the way.Any suggestions are appreciated. At the state fair if this is your first time, definitely go see the butter cow and pop icon m...
by jbmitt
Thu Jul 26, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1453

Re: disposable cell phone

Have you looked at swapping the SIM card? You should be able to use a Canadian prepaid plan for several days and then swap back to your carrier once you return to the US. Have you considered options like Wi-Fi calling or google talk for the two days?
by jbmitt
Tue Jul 24, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8270

Re: Son Hurt at Summer Camp

The camp likely has medical payments coverage that would help for out of pocket bills, etc regardless of fault. For pain and suffering or compensation for a scar would likely necessitate a liability investigation, and fault on the camp prior to any payments. The going rate for scaring on males is mu...
by jbmitt
Mon Jul 23, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2412

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

From Kallispell, head up the road to Whitefish. There are a variety of good restaurants and bars. We like Abruzzo and the Great Northern Bar & Grill. Head to Glacier and drive the Going to the Sun Road.
by jbmitt
Tue Jul 10, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9332

Re: What are you learning or studying?

Aviation. I managed to get a flight instructor certificate and the instrument rating on that certificate during the last year. It took a lot of studying and learning how to teach. It was very challenging for me. Well down. I'm working towards earning my PPL, and then hoping to earn additional certi...
by jbmitt
Tue Jul 10, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 3089

Re: Rodents ate my car, and my insurance is ripping me off!

Most insurance companies use a market labor rate that they periodically review and adjust. It’s the cost on average for work at at body repair rate and a mechanical rate. Body shops and dealerships are free to set their rates however high they want, and they typically know what insurance will pay. W...
by jbmitt
Sun Jul 08, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4236

Re: Subaru Ascent owners out there?

I believe what lazydavid was referring to is that it is not a V6 but is an H6. Correct, Subaru engines have horizontally opposed cylinders. They can often be referred to as boxer or flat engines. A traditional V engine, has aligned cylinders/pistons in a V shape. Subaru does offer a 6 cylinder opti...
by jbmitt
Sat Jun 16, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1900

Re: Thrivent?

Like a credit union, a fraternal has to have a common bond. It was Lutheran, now it is Christian. The by-laws still read "Thrivent Financial for Lutherans" and you have to be Lutheran to serve on the board but that is about it. So, not very Lutheran. They discounted the lutefisk Christmas dinners y...
by jbmitt
Thu Jun 14, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Financial strength ratings of auto insurers
Replies: 12
Views: 958

Re: Financial strength ratings of auto insurers

Almost all states have a state guaranty fund where each licensed carrier pays a percentage of premium for the fund to manage claims in the case of an insurer insolvency. Insolvencies don't happen very often, and most policyholders and claimants get pretty close to what they are owed. Insurance compa...
by jbmitt
Wed Jun 13, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1900

Re: Thrivent?

I believe that Thrivent was the result of Aid Association for Lutherans and Lutheran Brotherhood merging. They’ve become less Lutheran affiliated and more spiritual or church affiliated. They offer some decent products, but as a whole, Vanguard or Fidelity should be better. They do have a charitable...
by jbmitt
Sun Jun 10, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Are insurance rates non-negotiable/fixed?
Replies: 13
Views: 676

Re: Are insurance rates non-negotiable/fixed?

Insurance companies have to file their rating plans in each state and they cannot generally deviate from them. However, they can file rates for multiple underwriting companies with similar names and then can place you with whichever underwriting company. Generally, they are quiet as to which of thei...
by jbmitt
Fri Jun 08, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Career/Moving advice needed
Replies: 11
Views: 948

Re: Career/Moving advice needed

Des Moines, Omaha and Kansas City would probably meet your criteria. Des Moines has a relatively large insurance and financial services industry.
by jbmitt
Sat May 26, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance
Replies: 3
Views: 427

Re: Insurance

There is no way for them to avoid having multiple policies. Every piece of real estate and each vehicle needs there own policy generally. There is always potential to save a considerable amount on business insurance using a broker for business policies. But with their business they are going to hav...
by jbmitt
Thu May 24, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 21
Views: 2504

Re: Lease buyout negotiation tips?

Our leased car just had spring hail damage. I've never been more excited that I don't own it. It will make turning it in (after being repaired by insurance) a lot easier for me.
by jbmitt
Thu May 24, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: auto insurance quotes
Replies: 7
Views: 873

Re: auto insurance quotes

The online quotes are usually preliminary in nature, and may adjust once they run your MVR. So what you are quoting may increase. Make sure you are comparing equal coverages. There are usually discounts for new customers that may roll off after a period of time. I'm loyal to price for equal coverage...