Search found 1570 matches

by SimonJester
Wed Feb 28, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2880

Re: Mobile Deposit Bank Fraud

The take away here is not to stop writing checks, or using mobile deposit. Its monitor your accounts! Washing checks was a thing long before mobile deposit... Banks have made monitoring your account very easy, set your account to email you for every check that goes through, or every transaction if y...
by SimonJester
Tue Feb 27, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 7551

Re: Strategies for getting out of a car dealership quickly?

Stop bathing. Now. This is my favorite suggestion, perhaps I would add, skip the deodorant and do a strenuous workout before going in... :D Glad it worked out for you. Tip for the next time you are presented with the "you need this warranty, think about all the complicated electronics...." You repl...
by SimonJester
Tue Feb 27, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5598

Re: Dealership oil change worth it?

A friend of mine owns his auto shop now, but in the past he has been the service manager at several large dealerships. he said in general the oil changes are given to the newest most inexperienced mechanic. Either lean how to do the basics yourself or find a good independent mechanic...
by SimonJester
Tue Feb 27, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to renew the lease
Replies: 8
Views: 1423

Re: Tenant wants to renew the lease

I like how Dave Ramsey answers this question on his radio show. If you had no rental property today and a pile of cash, would you go out and purchase a rental property and go into the rental business? If the answer is no, you should sell (assuming the market supports the sale). As for extending the ...
by SimonJester
Tue Feb 27, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6254

Re: 3 layers of roof. Pull my offer??

Update: - Checked with local town housing code, anymore than 2 layers of roofIng shingles is a violation. - I’m going to speak with a few roofers but I spoke to one today and they looked at the house (online), very well respected roofer and they said it could cost up to $25k to fix, more info neede...
by SimonJester
Mon Feb 26, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 108
Views: 5499

Re: Thoughts on Credit Cards??

Data Sample size of one: I have financial data going back may years. I have a 5 year period of mixed credit card and debit card usage. Then a 5 years period of debit card / cash only usage, now I am one year into my 5 year period with CC only usage. So far its looking like spending habits are not ch...
by SimonJester
Sat Feb 24, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 3227

Re: Knob and Tube rewire cost

I would ask some questions about how each contractor plans on re wiring the house. Per NEC Romex is to be supported every 4 1/2 feet and within 12 inches of a box. Ie stapled to the framing members. So is each contractor going to remove drywall? If so who will be replacing, patching and repainting? ...
by SimonJester
Wed Feb 21, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 7010

Re: Sams Club vs Costco

As far as contact lenses, I've never found Costco to be competitive (although we buy a LOT of other stuff there). I typically shop online for the cheapest price (with online coupon discounts) and then ask 1-800 Contacts to price match which they always do providing the price found is from a legitim...
by SimonJester
Wed Feb 21, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 7010

Re: Sams Club vs Costco

A few other gripes about Costco, if you have their executive membership where you get cashback for purchases, you cannot see the amount you have accumulated online. You have to goto the service desk to inquire to the amount you have earned. They used to print on the bottom of the receipt how much yo...
by SimonJester
Mon Feb 19, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Emergency costs
Replies: 22
Views: 1557

Re: Emergency costs

Here are a few others You lose you job and then your transmission / engine on your vehicle goes out. You lose you job and then your roof leaks, you need a new roof. You lose you job and then you get sued and have to write a check for a retainer for a lawyer. Dont forget all of this occurs during a 2...
by SimonJester
Mon Feb 19, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Ok, so I paid off my car...now what about auto insurance?
Replies: 7
Views: 1340

Re: Ok, so I paid off my car...now what about auto insurance?

taguscove wrote:
Sun Feb 18, 2018 10:37 pm
Insurance is a form of lottery that pays off when you get into an accident.
Tell me about it... I dropped full coverage on an older vehicle and then three days later I was involved in an at fault (as in my fault) accident which totaled the vehicle. :oops: Thanks a lot Murphy!
by SimonJester
Mon Feb 19, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 7010

Re: Sams Club vs Costco

I have a membership at both store right now and am shopping one club one week and the other the next... Overall they are evenly matched with each store having their plus and minuses. Costco is slightly more expensive then Sams club but on SOME items they are better quality. Of course there are some ...
by SimonJester
Sun Feb 11, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan teaser rates lower than mortgage rates - arbitrage opportunity?
Replies: 13
Views: 1174

Re: Auto loan teaser rates lower than mortgage rates - arbitrage opportunity?

I dont get this, I bet you do not come close to a 1.74% rate on such a loan, so what all this work for 0.635% rate reduction on 20K

You have a paid for vehicle. Why not take what would be the loan payment and just pay that towards the mortgage?
by SimonJester
Fri Feb 09, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12234

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Well It's now 40% off thru the weekend it looks like. I'm going to go ahead and subscribe for a year I think, having my wife start a budget has already saved me more than a year's subscription cost. I would go to Moneydance, but I don't think it will automatically pull from my Credit Union. Are you...
by SimonJester
Thu Feb 08, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 56
Views: 5314

Re: How to pay college tuition froma 529?

I usually pay tuition with a 2% cash-back credit card. My kids college charges a 2.75% fee for all credit and debit card transactions! I wrote a check for the fall housing deposit and its been 3 weeks they still havent cashed it :( I can tell these guys are going to be a pain to deal with...
by SimonJester
Thu Feb 08, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on a bank checking account bonus?
Replies: 16
Views: 2546

Re: Do I have to pay taxes on a bank checking account bonus?

I wouldn't be surprised if you still got a 1099 from them in the next week or so. Was it a small bank? No, it's a major national chain. I guess I'll wait a couple of weeks just in case. What national bank, if it is the one I am thinking about then it is TAXABLE and I received a 1099 for mine.
by SimonJester
Wed Feb 07, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12234

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Sorry if this is a naive question ( I am new to Quicken), but does inability to download from brokerages once Quicken sub expires also preclude you from downloading QFX files, or some other format files from the brokerages and importing into Quicken by loading the file ? So is only manual keying in...
by SimonJester
Mon Feb 05, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12234

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Is this a living version of quicken, meaning when 2019 is released, it becomes 2019? (since it's a 5-yr subscription) Yes, its a subscription model now so you will get the newest version as long as your subscription is active. Many of us are waiting to see what Quickens response is going to be befo...
by SimonJester
Sun Feb 04, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Flawed?] Paying off mortgage in 5 years
Replies: 39
Views: 3605

Re: [Flawed?] Paying off mortgage in 5 years

Its all smoke and mirrors, just budget extra payments to principal on your mortgage and forget the HELOC. The HELOC likely comes with fees and perhaps a variable APR. the HELOC is completely unnecessary...
by SimonJester
Sun Feb 04, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12234

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I bet come Monday they either cancel all of these orders, or shorten the subscription significantly...
by SimonJester
Sun Feb 04, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12234

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Did anyone get any sort of invoice / receipt showing the $0. I have printed off the web site showing the $0 to PDF in case they end up charging us all... I only received an email notifying me of my subscription... My email says i got item "QUICKEN PREMIER 2018 DIRECT DOWNLOAD 5YR FREE" FOR 0.00, gr...
by SimonJester
Sun Feb 04, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 12234

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Did anyone get any sort of invoice / receipt showing the $0. I have printed off the web site showing the $0 to PDF in case they end up charging us all...
I only received an email notifying me of my subscription...
by SimonJester
Sat Feb 03, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 3194

Re: Bank signup bonus 1099

Ive said this in another post, back in the mid 90's a co worker of mine was audited by the IRS for another reason and they discovered he did not include the $3.00 of interest from his bank account. It did not change the tax due for that year, however it gave the auditor an excuse to then go back thr...
by SimonJester
Sat Feb 03, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: When is it ok to quit your job and run your business full time?
Replies: 24
Views: 2455

Re: When is it ok to quit your job and run your business full time?

Another possibility carefully approach your day job and see if you could cut back your hours, perhaps go part time and still keep your benefits? More and more companies are not providing benefits to part time workers so they may not go for it but might be worth finding out...
by SimonJester
Fri Feb 02, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 3066

Re: Should I stop contributing to 401(k) to pay off debt

You could be completely out of debt including the student loans in under 2 years if you snowballed this following the DR approach. You need to decide is this idea worth it. Pause the 401K, pay off the furniture and your parents today. This frees up $114 plus what you have been paying parents $500 - ...
by SimonJester
Thu Feb 01, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 775
Views: 83437

Re: Netflix, Your Current Favorite Show

Dark is amazing. Ideally, switch to German w/English subtitles to watch. Also, try to get through an episode and a half before deciding to drop it - the first episode doesn't even really reveal the nature of the series, though it does open some interesting questions. I totally agree this series was...
by SimonJester
Tue Jan 30, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Warning: 2017 HR Block program miscalculates federal tax (windows)
Replies: 16
Views: 2007

Re: Warning: 2017 HR Block program miscalculates federal tax (windows)

Mine calculated correctly. I would go through each program and see what is different, perhaps print out the 1040 from each one and go line by line...
by SimonJester
Sat Jan 27, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: I got $3 federal refund from my 2017 tax return.
Replies: 10
Views: 2050

Re: I got $3 federal refund from my 2017 tax return.

Congratulations you WON! Ideally you should get to $0 or even owe a little bit each year. And yes if your job situation is stable, and you have no real deductions beyond the standard the IRS withholding tables should be pretty close. Think of it this way, its like going to the grocery store and bein...
by SimonJester
Sat Jan 27, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 9863

Re: Quit jobs to gain lower EFC [Expected Family Contribution]

We are finding that many of the collage scholarships are asking for unweighted GPA, This has annoyed my son as it discounts the extra effort put in for Honors and AP courses. He is now thinking what was the point of taking those harder classes...
by SimonJester
Thu Jan 25, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 3194

Re: Bank signup bonus 1099

Same issue with small amount of interest earned on bank account. General for anything under $10 most banks will not issue a 1099 but you still need to report it. I know someone who was not reporting the small amount of checking interest and he got audited by the IRS for another issue and they latche...
by SimonJester
Tue Jan 23, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Retirement causes brain function to rapidly decline, warn scientists
Replies: 13
Views: 2255

Re: Retirement causes brain function to rapidly decline, warn scientists

fundtalker123 wrote:
Mon Jan 22, 2018 11:54 pm
I'm a professor of biochemistry. I have so much administrative BS to deal with, I wish I could retire so I had time to think about biochemistry.
Hmm my oldest son is thinking about majoring in Biochemistry this fall....
by SimonJester
Mon Jan 22, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 74768

Re: Quicken's future direction - a cause for concern

The thing is the next generation of adults use the Microsoft products (when they have to) but I do not see any interest in financial desktop applications. They would much rather use an online service like mint etc... I do not see a growing future for quicken and tripling the price on its current use...
by SimonJester
Sat Jan 20, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 32
Views: 4967

Re: Replace floor BEFORE or AFTER New Cabinets?

The dishwasher height shouldn't be an issue as the units have leveling screws on the legs/bases. I will concede that the job would be harder to replace the unit further down the road. This actually is a problem even with the leveling screws, it has a lot to do with having a 3/4" lip to pull the old...
by SimonJester
Tue Jan 16, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3702

Re: How long do you save tax returns?

When in doubt, throw it Out! We keep a couple years only. +1 Having had to go through a deceased relative's 40 years of paper work and determine what needed to be shredded and what needed to be kept, do your heirs a favor and clean up. It took WEEKS to shred everything and we still had three banker...
by SimonJester
Fri Jan 12, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: International return of purchase
Replies: 1
Views: 203

Re: International return of purchase

My vote would be one of these two, probably the last one... - accept delivery and ship it back on my dime? This will cost me at probably $100 in shipping costs including the vendor's cost of shipping to me that they will probably not refund. However, I'll be done with this vendor - accept delivery a...
by SimonJester
Wed Jan 10, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: 529 high school withdrawal
Replies: 6
Views: 710

Re: 529 high school withdrawal

Hmmm How about withdrawling the amount I pay towards the school district in my property tax, I mean that is paying for my kids "tuition" right? :D
by SimonJester
Wed Jan 10, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2804

Re: Lease a Silverado 4x4 extended cab for $152 month?

What are you going to use the truck for?
I have a Silverado 4x4 Extended cab with the 5.3 V8 engine, I would not go with a V6.
by SimonJester
Sun Dec 31, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1736

Re: Ever drink Chartreuse?

Yes we have had it and still have a small bottle with a bit left. My wife has used it in place of absinthe in sazeracs. Unique flavor for sure!
by SimonJester
Sat Dec 30, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 56
Views: 5314

Re: How to pay college tuition froma 529?

The options available to you would I think depend on the specific 529 plan you choose. For the Missouri MOST 529 plan (administered by Vanguard), the distribution choices are: - Direct ACH electronic funds transfer to the bank of the account owner (in most cases the account owner would be a parent)...
by SimonJester
Fri Dec 29, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2853

Re: Use of 2FA Held My Accounts Hostage

I never have an issue discovering optimal security procedures for accounts. I have posted my overdone security procedures before and won't be doing it again. Its not possible to socially engineer my accounts due to the systems I've put in place. I would expect a certain someone would be coming back...
by SimonJester
Fri Dec 29, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Stopped Check 2018 Property Tax - Etiquette to County?
Replies: 38
Views: 3718

Re: Stopped Check 2018 Property Tax - Etiquette to County?

I would get ahold of your county tax assessors office and tell them you wish to cancel the transaction and the check has a stop payment on it. Otherwise it may be returned to the county by their bank and they may charge you a fee.
by SimonJester
Fri Dec 29, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Coverdell (at TDA) transfer to 529 (after new tax law in effect)
Replies: 9
Views: 1474

Re: Coverdell (at TDA) transfer to 529 (after new tax law in effect)

Here is where it can be tricky. On the Vanguard form: The 529 plan or ESA from which you’re moving assets must have the same account owner name and Social Security number or other taxpayer ID number as your Vanguard 529 Plan account. So if the ESA was opened under a minors SSN and the 529 is under y...
by SimonJester
Thu Dec 28, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Frozen credit and TMobile
Replies: 5
Views: 532

Re: Frozen credit and TMobile

Transunion for me as well. One you try to sign up for the account they will attempt to run the credit check in the store. It will fail because of the freeze and the store rep will be given a number to call to speak to the back end T-mobile department that deals with credit checks. Those folks will b...
by SimonJester
Wed Dec 27, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2853

Re: Use of 2FA Held My Accounts Hostage

Right now there is an ongoing hack against one of the major national banks and a cell phone company. Thieves are able to port your cell number from your current cell provider to their cell provider / SIM card. They now have your cell number and request a password reset / 2FA code which your bank sen...
by SimonJester
Tue Dec 26, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 60867

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

What I haven't seen discussed is what this does at the State Tax level for income tax. My state does a flat tax based on your federal taxable income. With the elimination of the personal exemptions your taxable income goes up (if you have any dependents or are married). This was offset at the federa...
by SimonJester
Tue Dec 19, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 5154

Re: opinions requested on student college decision / financial related

Her starting pay will be the same no matter which school she goes to. Save the money and have her continue onto a masters and or the NP or PA route. There is NO nursing shortage, the field is VERY saturated and highly competitive right now. It is back breaking (literally) work with little appreciati...
by SimonJester
Fri Dec 15, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2565

Re: What are your favorite tax deductions and credits for 2017?

Child credits - yes, raising children costs citizens of your nation money and you should not penalize them if you hope they eventually will be contributing to your country. I love the fact this ends at age 16. Because my 17 and 18 year old cost less then a 6 year old, Not! They should extend this t...
by SimonJester
Thu Dec 14, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Is Room and Board Deposit a 529 Qualified Expense?
Replies: 6
Views: 850

Re: Is Room and Board Deposit a 529 Qualified Expense?

I called Vanguard for #3 the answer is no they do not have the option to send a check to the school with an ESA. You can do this with a 529 plan however...
by SimonJester
Thu Dec 14, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Is Room and Board Deposit a 529 Qualified Expense?
Replies: 6
Views: 850

Is Room and Board Deposit a 529 Qualified Expense?

For those that have gone through this process, My oldest will be going off to college in the fall of 2018. Housing applications are now open, one question I have is a room and board deposit considered a qualified expense for 529? They require a $600 deposit, of which "$200.00 will be held as a secur...
by SimonJester
Mon Dec 11, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Sprint one year free - what an ordeal!
Replies: 12
Views: 1875

Re: Sprint one year free - what an ordeal!

A Hard pull on for a new creditor relationship is not uncommon at all. I had to do the same when moving T-Mobile from prepaid to post paid...