Search found 1626 matches

by SimonJester
Tue Feb 26, 2013 4:40 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 571
Views: 134359

Re: What's your favorite frugal thing(s) to do?

Use both sides of the toilet paper...

Read bogglehead message board for entertainment, who needs movies, books, tv....
by SimonJester
Thu Jan 31, 2013 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: pay income taxes from sale of old lawnmower
Replies: 8
Views: 1239

Re: pay income taxes from sale of old lawnmower

Does this mean that I can send the IRS an old lawnmower and call us even. I would love for you to find out for us. Attach a note to the lawnmower "Please accept this lawnmower as payment in full for my 2012 tax liability", along with your 1040. I'd be curious how long it takes the IRS to get back t...
by SimonJester
Wed Jan 30, 2013 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate Group Life Insurance, or others?
Replies: 7
Views: 871

Re: How to evaluate Group Life Insurance, or others?

Go with a 20 or 30 year term policy outside of your employer. If all your life insurance if with your employer and you are laid off or have to quit working due to illness you might end up with no life insurance. Also group policies through work would be a yearly renewal thus subject to rate increase...
by SimonJester
Wed Jan 23, 2013 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation vs Savings Dilemma
Replies: 34
Views: 4342

Re: Vacation vs Savings Dilemma

You only get one ride on the merry-go-round, and as I am finding time is one thing you can not get back.

You are single and you and have a good paying job, I would take the vacation.
by SimonJester
Fri Jan 18, 2013 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Auto Investment went to 2013 not 2012!
Replies: 3
Views: 593

Re: Vanguard Auto Inestment went to 2013 not 2012!

An update in case anyone else encounters this; after changing the contribution year from 2013 to 2012 reversed the buy, then repurchased (all at the same prices) with a 2012 contribution date. So all is good but it is sort of a hassle to go through. I would be nice if there was an option in your aut...
by SimonJester
Wed Jan 16, 2013 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Auto Investment went to 2013 not 2012!
Replies: 3
Views: 593

Re: Vanguard Auto Inestment went to 2013 not 2012!

This was an ACH from bank, I will check tomorrow to see if the update from 2013 to 2012 took...
by SimonJester
Wed Jan 16, 2013 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Auto Investment went to 2013 not 2012!
Replies: 3
Views: 593

Vanguard Auto Investment went to 2013 not 2012!

Hmm my automatic investment to my Roth IRA make this week was characterized against 2013 not 2012 even though there was space in 2012. If this is the way automatic investment is going to work I guess I'm going to have to terminate it. Has any one else experienced this? I have edited the transactions...
by SimonJester
Wed Jan 16, 2013 12:49 am
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 16651

Re: Your most intense movie scene

The Wind That Shakes the Barley, the fingernail scene. Almost lost my cookies on that one...
by SimonJester
Sun Jan 13, 2013 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Kids 1099-INT
Replies: 1
Views: 469

Kids 1099-INT

Both kids received a 1099-INT for about $25 of interest on their savings accounts. This is a joint account with me but the 1099-INT is reported in their SSNs. This interest would be their only income, as I understand it they do not have to file a tax return at all, nor do I need to include this 1099...
by SimonJester
Thu Jan 10, 2013 11:40 pm
Forum: Personal Consumer Issues
Topic: Safe payment method for private car sale?
Replies: 14
Views: 1288

Re: Safe payment method for private car sale?

The new US $100 bills are pretty hard to counterfeit. It's actually pretty impressive with the water mark, color changing ink, imbedded metal strip, etc. The $20 has many of the same features except for the color changing ink. You can see the features here. -K Don't except to see those any time soo...
by SimonJester
Tue Jan 08, 2013 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS accepting returns starting Jan 30
Replies: 13
Views: 1735

Re: IRS accepting returns starting Jan 30

jebmke wrote:didn't realize I could get a credit for alcohol use -- keeps me warm.
Form 6478 Credit for Alcohol Used as Fuel

Time to start saving the liquor store receipts :sharebeer


Ans what is Form 8820 Orphan Drug Credit? Is that when you spend money on drugs that need a good home?
by SimonJester
Sun Jan 06, 2013 11:59 am
Forum: Investing - Help with Personal Investments
Topic: College savings beyond 529?
Replies: 15
Views: 1329

Re: College savings beyond 529?

How about I-Bonds. Just be careful the interest is only deductible for education use upto a certain income level.
by SimonJester
Fri Jan 04, 2013 1:12 pm
Forum: Personal Consumer Issues
Topic: Re: How secure is your e-mail?
Replies: 12
Views: 1531

Re: How secure is your e-mail?

Email in itself is an unsecured application. Unless you are encrypting every message you have no idea who else is reading your email. Your ISP and every ISP in between you and the destination can read that email. Email saved on your ISPs server as well as the recipient server can be read by any of t...
by SimonJester
Thu Jan 03, 2013 5:31 pm
Forum: Personal Consumer Issues
Topic: Getting prescription for online contact lenses
Replies: 11
Views: 1741

Re: Getting prescription for online contact lenses

Sigh, we are on eye doctor #4 for DW because of issues regarding this. Our state law requires they provide you a copy of your prescriptions when you leave the office. The previous three eye doctors gave us all sorts of fits over this issue. One almost refused to hand over the prescription until we i...
by SimonJester
Mon Dec 31, 2012 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom K 2045 vs Vanguard Institutional Index I
Replies: 5
Views: 1009

Fidelity Freedom K 2045 vs Vanguard Institutional Index I

Given a choice between these two what do you think? For DWs 403B she has access to several Fidelity funds as well as Vanguard Institutional Index I (VINIX) which looks to track the S&P 500, (ER of just 0.04%), a few other Vanguard funds to iclude Vanguards Total Bond market (ER of 0.07). Would we be...
by SimonJester
Mon Dec 31, 2012 11:52 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block At Home question
Replies: 3
Views: 603

Re: H&R Block At Home question

Yes it calculates AMT and currently at the non patched level.
by SimonJester
Mon Dec 31, 2012 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 5706

Re: Buying a new car without having dealer do credit check?

I'd say just freeze your credit, prevents soft and hard hits.

Just be aware you will need to thaw the report in order to get some things done. Ie open a new bank account, switch cable vendors...
by SimonJester
Mon Dec 31, 2012 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Finally Debt Free..now what?
Replies: 25
Views: 3360

Re: Finally Debt Free..now what?

PS I would rent until you discover just how far away from your future in-laws you want to live... :D
by SimonJester
Thu Dec 27, 2012 9:45 am
Forum: Personal Consumer Issues
Topic: FICO Scores and Dating - All Wrong
Replies: 38
Views: 2779

Re: FICO Scores and Dating - All Wrong

If you had $200 million in cash and investments, one could say you were doing quite well financially, however if you didn't barrow money or use credit cards you would have a very low FICO score. FICO is not an indication of financial success, it is an indication of how often and how well you barrow ...
by SimonJester
Sun Dec 23, 2012 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Partnering with Real Estate Rehabber
Replies: 24
Views: 1845

Re: Partnering with Real Estate Rehabber

This whole thing just sounds fishy. Why wouldnt you just purchase the property outright yourself, hire them to rehab it (after getting several competing quotes), then sell the property and keep the profit?

Why are you spiting the sale?
by SimonJester
Thu Dec 20, 2012 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: TaxACT 2012, no AMT patch yet?
Replies: 18
Views: 2970

Re: TaxACT 2012, no AMT patch yet?

Not only will I owe $3600 more without the patch I will get hit with an underpayment penalty of $35 talk about insult to injury!

:annoyed :x
by SimonJester
Wed Dec 19, 2012 12:56 am
Forum: Personal Finance (Not Investing)
Topic: No Mortgage/Debt
Replies: 65
Views: 5535

Re: No Mortgage/Debt

rr2 wrote:What I am curious is about those who pay off their mortgage instead of maxing out tax advantaged accounts? To me it seems that once you lose the tax advantaged space, it is gone for good.
Why does it have to be an either or situation, why not do both.... Or even a little of both...
by SimonJester
Sun Dec 16, 2012 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: At what price is an (auto) extended warranty worth it
Replies: 21
Views: 4818

Re: At what price is an (auto) extended warranty worth it

I'm curious what you guys think about something. I've long been of the opinion (and still am) that extended warranties on cars are a complete rip off. But....at what price do they become a good deal? Does anyone have payout data? (For example, I believe health/life insurance companies have a 80%+ p...
by SimonJester
Fri Dec 14, 2012 11:31 am
Forum: Personal Consumer Issues
Topic: 12 year old dryer is squeeking loudly. What to do?
Replies: 35
Views: 6290

Re: 12 year old dryer is squeeking loudly. What to do?

If its the dryer I'd place bets on the rear bearing. Sounds scary but the dryer drum sits in a plastic bearing that wears out then the metal drum starts squealing. Replacement was inexpensive and easy however it does require you to remove the outside cover and drum so if this is a stack-able that co...
by SimonJester
Mon Dec 10, 2012 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me celebrate [Mortgage to be Paid Off]
Replies: 48
Views: 4286

Re: Please help me celebrate [Mortgage to be Paid Off]

Write to your mortgage company and request they return your original promissory note stamped PAID IN FULL...
by SimonJester
Mon Dec 03, 2012 2:57 pm
Forum: Personal Consumer Issues
Topic: Gutter replacement: .032 or .027 gauge
Replies: 9
Views: 13026

Re: Gutter replacement: .032 or .027 gauge

Kosmo wrote:I'd go with the 0.032". It'll hold up much better in snowy/icy weather and against regular wear and tear (leaning a ladder, getting hit with a baseball, a fat squirrel hanging on). For an extra $26 I think it's worth it.

I agree It's $26 go thicker!
by SimonJester
Tue Nov 27, 2012 10:52 pm
Forum: Personal Consumer Issues
Topic: Frozen veal
Replies: 16
Views: 1525

Re: Frozen veal

Just remember most insurance policies limit the amount they will pay out for cash, gold and silver coins / bullion, my policy limits to $250 for each.


I do like having some cash on hand for who knows what... Veal in the freezer no thanks... Its pronghorn right now...
by SimonJester
Mon Nov 26, 2012 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America and ATM problem
Replies: 33
Views: 3637

Re: Bank of America and ATM problem

sscritic wrote:Let me try again.

I wonder if this ATM runs a Microsoft OS or an Apple OS. That might explain things. :)

Few years back when blue screen of death were more common, Ive seen a coin counting machine, gas pump, and ATM all with Windows blue screen of deaths.
by SimonJester
Fri Nov 23, 2012 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Usury limits on] carrying a loan on a home what is
Replies: 12
Views: 1217

Re: [Usury limits on] carrying a loan on a home what is

That is quite a risk you are taking, with no down payment they have no skin in the game. They could make one payment, then force you to shell out a few grand to foreclose on them. Meanwhile they live rent free and trash the place. What about a clearly spelled out written lease to own contract with a...
by SimonJester
Fri Nov 23, 2012 11:04 am
Forum: Personal Consumer Issues
Topic: About buying a house....
Replies: 16
Views: 1977

Re: About buying a house....

My Job has taken a turn for the better and I am considering purchasing a house and had a few questions about doing so (1st time buyer). 1. I could buy a house (2/3br, 2ba) for 1x my current salary: It would be sufficient for me, my wife and our 1st kid. But about 8 years down the road, we would hav...
by SimonJester
Tue Nov 20, 2012 11:04 am
Forum: Personal Consumer Issues
Topic: Speeding ticket out of state
Replies: 59
Views: 7023

Re: Speeding ticket out of state

If you want to be found innocent, you have to attend your trial. That's the way it works for murder and for traffic violations. However the reason I asked what was said by the police office and by the OP. Most of the time the first question the office will ask is "Do you know why I pulled you over,...
by SimonJester
Tue Nov 20, 2012 12:10 am
Forum: Personal Consumer Issues
Topic: Speeding ticket out of state
Replies: 59
Views: 7023

Re: Speeding ticket out of state

Just out of curiosity do you remember the exchange of words when the police officer approached you? As far as fighting it out of state not sure, Ive never gotten one out of state but out of city / county you have to goto the court in the jurisdiction where the offense took place... I suppose this co...
by SimonJester
Mon Nov 19, 2012 11:58 pm
Forum: Personal Consumer Issues
Topic: Can you get cigarette smoke smell out of car?
Replies: 19
Views: 9761

Re: Can you get cigarette smoke smell out of car?

I'd say no way forget it... Reminds me of an early Mythbusters episode where they took a corvette pig a dead pig inside an sealed it a shipping container for two months. The myth was to see if they could get rid of the decomposing body smell from the car... They stripped that car down to bare metal ...
by SimonJester
Fri Nov 16, 2012 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Home Inspection
Replies: 35
Views: 2413

Re: Home Inspection

The double tapped circuit breaker is a NEC (National Electric Code) violation unless the breaker was designed for two wires. Out of all the items listed this is the one I would fix. I would imagine they could back out of the deal with this item not being fixed. The others I would perhaps offer a sma...
by SimonJester
Wed Nov 07, 2012 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Checkup
Replies: 8
Views: 746

Re: Insurance Checkup

You dont say if you own your house and what sort of equity you have, nor about other assets... However you have a good sized income and I would look to protect that. 100k could be eaten up real quick in a serious automobile accident at which point you could be sued for the remaining expenses and a j...
by SimonJester
Fri Oct 26, 2012 10:12 am
Forum: Personal Consumer Issues
Topic: Windows 8: Are you upgrading?
Replies: 67
Views: 6056

Re: Windows 8: Are you upgrading?

NO! Uggg Cant stand the Metro interface on a non touch screen pc.
by SimonJester
Tue Oct 23, 2012 1:25 pm
Forum: Personal Consumer Issues
Topic: I bought a rental car... and the gas mileage is horrendous
Replies: 32
Views: 4052

Re: I bought a rental car... and the gas mileage is horrendo

What year? It sounds like a newer Corolla... I would fill the tank up to full, reset your trip meter to 0 and see what you get with the next tank. My Corolla gas gauge seems to stay at full for a long time then drop down to empty quicker then one would think. I believe its just the way the sending u...
by SimonJester
Thu Oct 18, 2012 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate Question
Replies: 3
Views: 718

Re: I-Bond Rate Question

I figured it out, the bond get a rate for six months, so in April it would get the November rate for the next six months, then in September it would get the May 2013 rate until the next April.
by SimonJester
Thu Oct 18, 2012 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate Question
Replies: 3
Views: 718

I-Bond Rate Question

If I purchase an I-bond in October, I will get 6 months at the current rate of 2.2%. In April the bond will get
the rate about to be set in November, does the I-bond then get the new rate for the month of May or does it get the 6 month November rate until September?


Thanks
by SimonJester
Tue Oct 16, 2012 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question (Father)
Replies: 10
Views: 931

Re: Social Security Question (Father)

1) Can you take the widower benefit at age 60, then delay taking yours until FRA without reducing your own benefit?

2) Can you take the widower benefit if still working?
by SimonJester
Mon Oct 08, 2012 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a will?
Replies: 43
Views: 3288

Re: Do I need a will?

Yes I would have a will to make your final wishes know. It doesn't need to be complex, just make sure its legal in your state...
by SimonJester
Wed Oct 03, 2012 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Childrens Interest RE Tax Question
Replies: 1
Views: 223

Childrens Interest RE Tax Question

Question, if your children earn a small amount of interest in a saving account lets say $15 with no other income how would you handle it? A 1099 would be generated from the interest but you would be well below the $950 for unearned income filing requirement. What if the account is a joint account wi...
by SimonJester
Mon Oct 01, 2012 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Putting primary residence in a Trust or Not
Replies: 10
Views: 1846

Re: Putting primary residence in a Trust or Not

thanks all for the responses. The reason for considering a trust is to shield our home should one of us need medical care beyond what our insurance would pay or what we could pay. Not to be mean but you want the tax payers to pay for your medical care while still preserving your $700,000 house so y...
by SimonJester
Thu Sep 27, 2012 5:14 pm
Forum: Personal Consumer Issues
Topic: 1.Instrument rentals 2.Credit freeze
Replies: 14
Views: 1641

Re: 1.Instrument rentals 2.Credit freeze

Again before I put down my SSN I would just goto Craig s list, I picked up a good student trumpet that sells new for $1200 slightly used for $240. Sure it has a few marks on the finish but it played just fine. My rental fee for the year would have been $230 plus tax. Again my son has been playing fo...
by SimonJester
Thu Sep 27, 2012 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Strategy
Replies: 18
Views: 2468

Re: Emergency Fund Strategy

I also have a credit card to use which buys me time to figure out where to get money for unplanned repairs, etc. Thanks! So if you were to have the furnace die and transmission go out on your vehicle in the same month, you would charge it to your credit card. What if this were March of 2009 and the...
by SimonJester
Mon Sep 24, 2012 6:24 pm
Forum: Personal Consumer Issues
Topic: Lost Luggage Question
Replies: 13
Views: 2083

Re: Lost Luggage Question

"telex" Really !! Did you explain to Delta there is this new invention called the personal computer and something called "E-Mail"...
:oops:
by SimonJester
Mon Sep 24, 2012 6:20 pm
Forum: Personal Consumer Issues
Topic: Would you consider floating 2 homes?
Replies: 12
Views: 1262

Re: Would you consider floating 2 homes?

travellight wrote:I would only do it if I could cover both houses ad infinitum as if it was a second home. And, if it was a killer deal.

+1
by SimonJester
Mon Sep 24, 2012 6:17 pm
Forum: Personal Consumer Issues
Topic: 1.Instrument rentals 2.Credit freeze
Replies: 14
Views: 1641

Re: 1.Instrument rentals 2.Credit freeze

I have one child playing violin and one playing trumpet. We rented for several years to allow the oldest to grow into a full size violin and see if both wanted to continue playing their instruments. My suggestion is ask your child's school band teacher (or music teacher) who they recommend. I also s...
by SimonJester
Wed Sep 19, 2012 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: 401k to pay off mortgage?
Replies: 16
Views: 2304

Re: 401k to pay off mortgage?

If you barrow from your 401k and then are laid off or quit your job, many plans require you to pay back the money within 30 to 90 days or it becomes a non qualified withdrawal. So assuming a 25% tax bracket you just took out a 35% loan (25% tax plus 10% penalty)! Same goes if you just take the money...
by SimonJester
Thu Sep 13, 2012 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Note in Hand post payoff Question.
Replies: 8
Views: 1541

Re: Mortgage Note in Hand post payoff Question.

Is there some type of law stating that they have to return it to you? What if they would have refused? No I could find no law requiring them to return the note upon payoff. So I decided to request the note back and see what the bank would do. The instrument that matters is the one in your county's ...