Search found 1626 matches

by SimonJester
Sun Apr 08, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Dual smoke detectors with voice location
Replies: 5
Views: 487

Re: Dual smoke detectors with voice location

You are combining two different types of smoke detectors. Dual sensor meaning it has both photoelectric & ionization sensors, and Dual type meaning smoke detectors and carbon monoxide detector. You want one smoke detector and carbon monoxide detector on each level of your house, you want a smoke det...
by SimonJester
Sat Apr 07, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff questions
Replies: 12
Views: 2532

Re: Mortgage payoff questions

I would not wait until the last day of the month, you want the payment to post before the end of the month. If there were some sort of delay you might end up owing interest for part of the next month. In my area a mortgage is actually recorded as a deed of trust against your property and what the ba...
by SimonJester
Sat Apr 07, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 46
Views: 7324

Re: GEICO rate increase: 49% annualized?!

Right 3 autos and home with a teen driver. Auto insurance alone is the equivalent of a car payment. Lowest quote for 12months was $3,600 highest was over $7,600. All pretty standard insurance with newest vehicle being 12 years old. Teenage boys just carry insane liability risks, it basically double...
by SimonJester
Sat Apr 07, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: monthly PMI OR lender paid PMI (higher mortgage rate)
Replies: 3
Views: 386

Re: monthly PMI OR lender paid PMI (higher mortgage rate)

4.65% for sure: To put some example numbers the quick mortgage calculators online show the following (note does not include insurance and taxes) 5% loan no PMI $1,606.44 monthly payment $279,067.30 total interest paid 4.65% $95 PMI $1,638.04 monthly payment $256,247.01 total interest paid As you can...
by SimonJester
Sat Apr 07, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 3013

Re: !Please Advise on sensible housing for guy going through divorce!

If the idea is you will sell your house and rent for a few years, I would just go get an apartment with a standard 1 year lease.
The extended stay hotel will probably be a lot more money then renting, plus you are going to want to keep some of your things from your current house.
by SimonJester
Sat Apr 07, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 46
Views: 7324

Re: GEICO rate increase: 49% annualized?!

$4,000? :shock: I don't even want to know what you're insuring where the delta could be $4,000. Right 3 autos and home with a teen driver. Auto insurance alone is the equivalent of a car payment. Lowest quote for 12months was $3,600 highest was over $7,600. All pretty standard insurance with newest...
by SimonJester
Sat Apr 07, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 46
Views: 7324

Re: GEICO rate increase: 49% annualized?!

My State Farm auto insurance rate decreased for this 6 months. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=246039 Apparently people don't feel this is a viable option. Or, perhaps they don't believe me. :annoyed Everything is situation and risk rating dependent. For me they were the 2nd hi...
by SimonJester
Thu Apr 05, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Insurance rate increase Agent Review?
Replies: 8
Views: 482

Re: Insurance rate increase Agent Review?

Just to clarify the agent is for a single insurance company and does not shop other companies. My bigger question is should I even bother, as I understand things, rates are set for each risk group and they are rating me into a certain risk group that has increased. Unless I lower coverage or add oth...
by SimonJester
Thu Apr 05, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Insurance rate increase Agent Review?
Replies: 8
Views: 482

Insurance rate increase Agent Review?

So I have been with the same insurance company for far too long, close to 20 years. I have been quoting them out over the past several years and they have always been within a few dollars of their competitors. This year they went up 12% and I have found several quotes for the same coverage at a lowe...
by SimonJester
Thu Apr 05, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 3256

Re: WF Visa 3% FX fee

ivk5 wrote:
Thu Apr 05, 2018 6:19 am
^ this sums it up. The reference in OP to "buying" a CC makes no sense to me.
I believe the OP is referring the the case where many of the travel cards with no foreign transaction fees charge an annual fee.
by SimonJester
Wed Apr 04, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 6917

Re: Amica Increase

I have quoted identical Home + Auto coverage from 12 different insurance companies. Amica is the 2nd lowest, with Ameriprise
(Costco) being the lowest. All State is the highest followed by State Farm. I am finalizing some details and leaning towards Amica.
by SimonJester
Wed Apr 04, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan-is mandatory orientation fee qualified?
Replies: 16
Views: 2181

Re: 529 plan-is mandatory orientation fee qualified?

Thanks for the input, I will be curious to see if other weigh in on this question as well. I'm going to back track on the pen and paper as supplies after reading some more online. Unless it is listed in the syllabus for the class I would say they are not required and thus do not qualify. Here is som...
by SimonJester
Wed Apr 04, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan-is mandatory orientation fee qualified?
Replies: 16
Views: 2181

Re: 529 plan-is mandatory orientation fee qualified?

If the test for fees was "included on the tuition bill and required for attendance," that would make it easy, but that's not how it works. And I disagree on the paper and pens, but I've been strict in my interpretation. If it's on the syllabus as a required item, that should satisfy the IRS. Can yo...
by SimonJester
Wed Apr 04, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan-is mandatory orientation fee qualified?
Replies: 16
Views: 2181

Re: 529 plan-is mandatory orientation fee qualified?

Since the orientation fee is going to be included on the Tuition bill and is REQUIRED as a part of attendance I see no reason you cannot use the 529. Pens and Paper fall under supplies, so those qualify as well, you need to keep receipts of all of these purchases in case you are audited. From what I...
by SimonJester
Tue Apr 03, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan-is mandatory orientation fee qualified?
Replies: 16
Views: 2181

Re: 529 plan-is mandatory orientation fee qualified?

Not all fees, even "mandatory" fees, are 529 qualified expenses. Can you elaborate on this? From what I am reading on IRS publication 970 we should be able to claim the fee as it is required as a condition of attendance for my son's university. Related expenses. Student activity fees are included i...
by SimonJester
Tue Apr 03, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan-is mandatory orientation fee qualified?
Replies: 16
Views: 2181

Re: 529 plan-is mandatory orientation fee qualified?

I think so and am planning to include it as my DS school also requires orientation with a fee

The following expenses must be required for enrollment or attendance of a designated beneficiary at an
eligible postsecondary school.

Tuition and fees.
by SimonJester
Mon Apr 02, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Can after tax HSA money be recharacterized?
Replies: 12
Views: 891

Re: Can after tax HSA money be recharacterized?

There's no such thing as an after-tax HSA contribution. HSA contributions are excludable from income (and FICA) if made through salary reduction and deductible as a non-itemized deduction if made directly. If your child's employer just threw it in the HSA without treating it as a salary-reduction H...
by SimonJester
Wed Mar 28, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 5147

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

These are great ideas, DS is going off to college in the Fall. Yes we signed up for orientation day sounds like that should be fun. These are good reminders we parents need to let go of the reins, why does it seem hard with kids today... As DS college they are splitting parents off from students, so...
by SimonJester
Wed Mar 28, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 23
Views: 2953

Re: Mac Office 2016 download on Ebay - how so cheap?

Highly doubt this is legal. Best case this is for the software media only and you need a valid license and CD key to install. Worse case its illegal software and you are being scammed. So why not call Microsoft and Ask https://www.microsoft.com/en-us/piracy/default.aspx "You cannot use your own emai...
by SimonJester
Mon Mar 26, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance 79% Rate Hike
Replies: 15
Views: 2534

Re: Car Insurance 79% Rate Hike

If I scratched somebody's bumper, I would ask (make that beg, plead) them to let me just write them a check instead of turning it into my insurance. Did you have an option to take "travel school" to keep the speeding ticket off your record? If you search through the Boggle threads on this issue fro...
by SimonJester
Sun Mar 25, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Two Factor Authentication - Only 1 or Multiple cells?
Replies: 12
Views: 1246

Re: Two Factor Authentication - Only 1 or Multiple cells?

The big issue right now is having that cell number ported out from under you, then the thief uses your 2FA to reset all your passwords and drain your bank account. A few months back there was multiple reports of this happening. By adding a second cell phone you have just doubled your risk for this. ...
by SimonJester
Sun Mar 25, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze and annual internet provider changes
Replies: 3
Views: 688

Re: Credit freeze and annual internet provider changes

I switched from Centurylink to Comcast with frozen credit and did not need to unfreeze my credit at all. I bought my own modem, signed up with auto pay to a credit card so there was never any discussion of credit. I would never go back to CL as they are vastly slower speeds with fees and taxes amoun...
by SimonJester
Sun Mar 25, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Issue With Door Knob
Replies: 14
Views: 1540

Re: Issue With Door Knob

I had already removed the latch and the door knob works just fine in both directions. It is definitely the latch. Will silicone work on the latch? I have some silicon that I use for my garage door tracks. Sure... While you have the latch out spray it, then work it the latch back and forth until it ...
by SimonJester
Sun Mar 25, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Issue With Door Knob
Replies: 14
Views: 1540

Re: Issue With Door Knob

Remove the door knob from the door and re-assemble the two halves outside of a door and see if it turns. if it does you have some sort of binding issue with the door knob or latch. You can try applying powdered graphite to the various movable areas of the know and latch. Or just buy a new doorknob...
by SimonJester
Sat Mar 24, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 3861

Re: changing my signature when signing checks and credit card receipts

The signature is there to prove to you that you did the transaction. Same with a pin. The checkout guy is not a handwriting expert. I would say its also there to prove you did not make a transaction as well. Ie if someone clones your card and signs your name you can verify that is not your signatur...
by SimonJester
Sat Mar 24, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 8913

Re: Costco Kirkland Brand Liquor

In MN the Liquor stores have to be a seperate business. They are usually connected to the Costco or Sam's club but have seperate entrances and cashiers. Same for Colorado until 2037, one liquor license per business for all of the state. They just changed the law so they can now have upto 5 in the s...
by SimonJester
Sat Mar 24, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard downgrade Admiral shares?
Replies: 1
Views: 697

Does Vanguard downgrade Admiral shares?

If you buy in at the 10K price for Admiral shares and the price later drops so your balance is below that 10K mark does Vanguard downgrade your shares to investor shares?
by SimonJester
Fri Mar 23, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Furniture Protection Plan worth it?
Replies: 18
Views: 2168

Re: Furniture Protection Plan worth it?

Worthless... The furniture company is selling these contracts for another warranty company. That warranty company will contract out the work to another local company. These guys will try to find out any way possible to get away without covering the damage.
by SimonJester
Fri Mar 23, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Car Trade-In Question
Replies: 21
Views: 2373

Re: Car Trade-In Question

The OP's car is likely worth nearly $20,000 so they could save a lot in sales tax. There is no way to know what the dealer will offer until you have a "done deal" on the next car then ask for what they will give for a trade-in. Dealers do not pay what a car is worth, is its worth 20k the dealer wil...
by SimonJester
Fri Mar 23, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Certified College Advisor??
Replies: 3
Views: 452

Re: Certified College Advisor??

In the end, we learned that for most people, what the government and colleges call "aid" is in fact high interest loans. Even Stafford loans are around 6% plus 1% origination fee. Plus loans are more. Private loans more still. Aid from back in the olden days when I was in college, known as grants a...
by SimonJester
Fri Mar 23, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Car Trade-In Question
Replies: 21
Views: 2373

Re: Car Trade-In Question

In Ohio, and probably many other states, you only pay sales tax on the net purchase price after the trade in of your current vehicle. This may make trading it in more attractive than a private party sale. Unless your sales tax is 100% you are still loosing out. Lets do some pretend math. New Car 30...
by SimonJester
Mon Mar 19, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 2129

Re: 9th grade earth science honors or biology honors

If there's even a remote chance you will get a C, the honors class probably isn't for you. Who learns more in life, the straight A student who was never challenged, or the C student that took a more challenging class. As humans we learn more when we fail at something and try again then when we succ...
by SimonJester
Mon Mar 19, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 2129

Re: 9th grade earth science honors or biology honors

Both my children had taken some form of earth sciences in middle school, and then also took earth sciences in high school. They said it was a waste of their time, nothing new was learned. My senior is also fining out much to his dismay many colleges and scholarship applications are now asking for un...
by SimonJester
Sun Mar 18, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 18757

Re: Bought house six months ago - now feeling like we're treading water and can't save money

We have no life insurance. We looked into it briefly awhile ago, but it seemed like the insurance agent wanted to take a sample of my blood? So I declined. Ideally, yeah, we'd have both my wife and I covered. Get the insurance, take the blood test, its not a big thing, they are looking for some maj...
by SimonJester
Sun Mar 18, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6277

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Ran into a strange one, made a purchase Thursday Afternoon with 2 day shipping and at checkout it said delivery date was Tuesday. I know sometimes an item will say it will take additional days but they usually state that on the product page. Even if we do not count the weekend two days should have ...
by SimonJester
Sun Mar 18, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6277

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Ran into a strange one, made a purchase Thursday Afternoon with 2 day shipping and at checkout it said delivery date was Tuesday. I know sometimes an item will say it will take additional days but they usually state that on the product page. Even if we do not count the weekend two days should have b...
by SimonJester
Sat Mar 17, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4404

Re: What is your favorite reasonably priced Rum?

cfs wrote:
Fri Mar 16, 2018 5:26 pm
This conversation will be locked in three two one . . . but first, let me give you my input!

Don Q 151
DonQ Hints of caramel, molasses ,vanilla. then ohhh my god I just drank gasoline :D :D :D
by SimonJester
Fri Mar 16, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Question on credit limit increases
Replies: 16
Views: 1432

Re: Question on credit limit increases

My question is this: with frozen credit, is there any chance Macy’s will raise it (without my requesting) based on my recent activity and payments or is a limit never raised by the company if one has frozen credit ( since they presumably can't check credit )? If you have established credit with a c...
by SimonJester
Fri Mar 16, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: What are the jobs with the best medical insurance?
Replies: 51
Views: 4192

Re: What are the jobs with the best medical insurance?

I have worked in Healthcare for 15 years. I have found that the best medical insurance is typically (not always) with the large hospital groups. Many of them have a 3-tier network system and will provide significantly reduced facility fees, co-pays, etc if you use their providers and locations. You...
by SimonJester
Fri Mar 16, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Check, deceased payee
Replies: 15
Views: 1659

Re: Check, deceased payee

My wife received a check made out to her late father after he passed. She was executor of the estate, however the estate had closed and she was discharged by the court. She just called the company faxed over the Court documents showing she was the executor, explained that the estate was closed and s...
by SimonJester
Fri Mar 16, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 9074

Re: At what point does it make sense to pay down your mortgage?

We had always taken the standard deduction in the past, but people always said, "When it get a house, it'll lower your taxes." Well, we bought a house in September of last year, just in time for the standard deduction to increase before ever getting any benefit. For every dollar you send me I will ...
by SimonJester
Tue Mar 13, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Factory reset - Apps now incompatible
Replies: 10
Views: 1087

Re: Factory reset - Apps now incompatible

Seen this with IOS and Android OS. Basically the app gets updated on the App Store to a version that will not run on your device. Your previous app was an older version that would run. Sometimes you can locate the older app and force a download of it... Other times you are out of luck...
by SimonJester
Mon Mar 12, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody use Lemonade Homeowner's Insurance?
Replies: 22
Views: 2382

Re: Anybody use Lemonade Homeowner's Insurance?

Here is a good objective article on the company and their product... https://insnerds.com/lemonade-hype/ I would have some concerns on their longevity, their ability to handle a significant catastrophic loss (think hurricane, wile fire, etc), and how well they would goto bat for you in a legal proce...
by SimonJester
Mon Mar 12, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4404

What is your favorite reasonably priced Rum?

Ok in the same vane as What is your favorite reasonably priced bourbon... Lets get this one going with Rum.

I think my favorite so far is
Plantation Rum Grande Reserve 5 Year

We recently picked up a bottle of Don Q 151. Wow that stuff has an amazing flavor but quite a kick
by SimonJester
Mon Mar 12, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Blocking URLs/Sites on home network for kids
Replies: 33
Views: 1927

Re: Blocking URLs/Sites on home network for kids

One of the better web protection software applications I came across when my kids were young is K9 Web protection. Its based off of an enterprise grade content filtering system but free for home use. http://www1.k9webprotection.com/ Once your kids get to the age where they can figure out how to defe...
by SimonJester
Sun Mar 11, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19708

Re: Books that have actually changed your life, in a way.

This probably will not be popular here, but Dave Ramsey Total Money Make Over. I went from a very low net worth living pay check to pay check, no real savings and no real plan. To completely debt free and a double comma net worth. Right in the middle of reading that book a light went off in my head ...
by SimonJester
Sat Mar 10, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Schwab insists on hard inquiry on Equifax credit report !
Replies: 30
Views: 3451

Re: Schwab insists on hard inquiry on Equifax credit report !

Ive had to do the same when opening savings accounts with a local credit union. Again they said it was how they implemented the "know your customer" rules. I figure its just part of life now and plan on paying the $10 per temp unfreeze. FYI I spent way more then $10 cleaning up my wife's credit repo...
by SimonJester
Sat Mar 10, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6830

Re: Tires: Where to Get? Warranty? And Questions?

runner3081 wrote:
Sat Mar 10, 2018 7:30 am
My entire family has been using Discount Tire forever. No issues.
+1 I have always had great service from my local Discount tire. They have gone above and beyond on several occasions even fixing a problem (tire pull) from another big box club warehouse tire when they refused...
by SimonJester
Wed Mar 07, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2838

Re: Lost social security card, steps to take?

A follow up - someone actually found her wallet, turned it into a Starbucks near her office, and nothing had been taken, not even the cash! crazy... What a great ending... Years ago I lost my wallet with $600 in cash which was 2/3rds of the months rent back then. My roommates had just paid me the r...