Search found 2251 matches

by SimonJester
Tue Apr 13, 2021 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle/Venmo/Cashapp?
Replies: 36
Views: 2856

Re: Zelle/Venmo/Cashapp?

It’s a safer way to receive funds as once received as transactions are irrevocable. However, when sending funds, one must be very careful about where they are sent (a correct email or phone number is essential), and know that there’s basically no recourse once the funds are sent. I’ll be using it f...
by SimonJester
Sat Apr 10, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2485

Re: Gardening 2021

In 5B here, I have carrots and radish in the ground. Indoors I have peppers starting to sprout along with winter squash and cucumbers sprouted now about 2" high with their first set of leaves. We generally cant put anything in the ground until after mother's day here. Looking forward to tomatoe...
by SimonJester
Tue Apr 06, 2021 9:03 am
Forum: Personal Consumer Issues
Topic: fire pit recommendations
Replies: 30
Views: 2769

Re: fire pit recommendations

big box home improvement stores sell fireplace kits containing a steel ring and landscape blocking to decorate the outside of the ring hiding it from view. I went this route a few years ago and am very happy with it. Its big enough for several people (6 to 8) to all sit around and get warmth. It ra...
by SimonJester
Tue Apr 06, 2021 8:52 am
Forum: Personal Consumer Issues
Topic: Safe and secure car sale
Replies: 12
Views: 803

Re: Safe and secure car sale

Receive Venmo, Paypal or Zelle payment I'd put these options in the same territory as personal checks certainly PayPal, less familiar with Venmo and Zelle. PP will tend to side with the buyer in disputes. These can be worse then a check in my opinion. Option A Cash Option B Meet at bank and have th...
by SimonJester
Sun Apr 04, 2021 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Which life insurance to get? Work vs. personal policy
Replies: 34
Views: 2276

Re: Which life insurance to get? Work vs. personal policy

I prefer a policy that’s not tied to my employment. The risk is, you get sick, then lose your job, then die. I want to be insured if that happens. Or, lose your job, get sick, and die. In truth though, I have both. My employers provides a policy for me. And I have separately purchased one. Cant say...
by SimonJester
Fri Mar 26, 2021 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2625

Re: Owners Title Ins., purchasing property from Judge

80% of the title will be insured (lenders title insurance), it's just my 20% that would be self-insured. I thought lenders title insurance only protected the lender. Presumably, once the loan is paid off, you will own 100% of the property outright. Wouldn't you need owner's title insurance on 100% ...
by SimonJester
Thu Mar 25, 2021 8:22 am
Forum: Personal Consumer Issues
Topic: Whole house humidifier recommendations
Replies: 14
Views: 852

Re: Whole house humidifier recommendations

99.99% of the world (maybe more) live without artificial humidification. You can too. There can be significant problem to having very low humidity in your house. We can all live without a lot of things but most prefer to live in comfort vs a difficult hard life. My indoor humidity will read down in...
by SimonJester
Wed Mar 24, 2021 4:02 pm
Forum: Personal Consumer Issues
Topic: House inspection report
Replies: 22
Views: 2376

Re: House inspection report

I have a patch in my downstairs bathroom ceiling, there was a leak in the bathroom above over 20 years ago that required opening up the ceiling. There is no leak now, nor has then been for 20+ years. Patching happens in older houses if there is no current leak, move on...
by SimonJester
Mon Mar 15, 2021 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund: money market to I Bonds
Replies: 18
Views: 1913

Re: Emergency fund: money market to I Bonds

Just keep in mind it takes a few days to actually get money from the cashed I Bonds. I always have a multi tier emergency fund. Checking account, Savings accounts, Ibonds and CDs. I can access money quickly if needed, the move onto the I-Bonds and then CDs...
by SimonJester
Mon Mar 08, 2021 6:43 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4755

Re: Using OBD2 scanner to evaluate used car buying

Wow there is a TON of misinformation out there in this thread. A bad ODB2 reader module could indeed short out the ECM and cause a expensive repair. A friend of mine is a master mechanic with his own shop, (he uses $20K+ OBD2 scanners by the way), he has seen vehicles with bad ECMs due to things be...
by SimonJester
Mon Mar 08, 2021 6:20 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4755

Re: Using OBD2 scanner to evaluate used car buying

Wow there is a TON of misinformation out there in this thread. A bad ODB2 reader module could indeed short out the ECM and cause a expensive repair. A friend of mine is a master mechanic with his own shop, (he uses $20K+ OBD2 scanners by the way), he has seen vehicles with bad ECMs due to things bei...
by SimonJester
Mon Mar 08, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Peloton purchase inquiry
Replies: 27
Views: 2515

Re: Peloton purchase inquiry

I know a co worker of mine has one and had a part break on it making it unusable. It is covered under warranty but they are saying they cannot get the part for several months. Just be aware...
by SimonJester
Sun Mar 07, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: Using OBD2 scanner to evaluate used car buying
Replies: 102
Views: 4755

Re: Using OBD2 scanner to evaluate used car buying

For what its worth, Ive actually stalled out a vehicle with a reader app on a computer pulling the OBD2 data too fast and overloading the computer on the car. Thankfully I was in park in my driveway when this happened...
by SimonJester
Wed Mar 03, 2021 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of teen's 1st tax return
Replies: 35
Views: 2009

Re: Mechanics of teen's 1st tax return

Just wake sure you review EVERYTHING before you submit the e-file. My oldest son (now on this third tax return), rushed through the program and chose to itemize deductions with $0 of deductions vs the standard deduction. Boy he was mad for a bit when the program told him he was going to owe several ...
by SimonJester
Wed Mar 03, 2021 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Urgent Care bill - does this seem high?
Replies: 44
Views: 2453

Re: Urgent Care bill - does this seem high?

You got off cheap, my youngest son had a $1,300 glass of water in the ER a few years ago. Most expensive glass of water I ever paid for! So funny longer story, we sat down to eat dinner which was pulled port sandwiches. He takes a bite and swallows only it doesn't go down. It doesn't come out either...
by SimonJester
Wed Feb 24, 2021 11:14 pm
Forum: Personal Consumer Issues
Topic: Tax Refund IRS Processed Quickly
Replies: 25
Views: 2360

Re: Tax Refund IRS Processed Quickly

Got mine today all of $2.00. Its going into the bank to earn interest :greedy
by SimonJester
Wed Feb 24, 2021 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16044

Re: Umbrella Policy; Anyone actually made a claim?

This fact is especially useful for avoiding the scenario where someone sues you for $300,000, but you only have $100,000 in auto insurance. If the auto insurance company knows that its total judgement will likely exceed the policy limits of $100,000, the insurance company will simply cut a check to...
by SimonJester
Sun Feb 21, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: Busted water pipe, now what? Help a Texan out.
Replies: 187
Views: 14200

Re: Busted water pipe, now what? Help a Texan out.

not to highjack thread but i’d like advice also. looks like i have a leak in wall along master bath and there is an outdoor spigot as well. i can only see what water leak from the outside (under brick at foundation). I can’t see any damage inside as thats where my bathroom cabinets are built and se...
by SimonJester
Sun Feb 21, 2021 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Do you need to remove credit freeze to open brokerage accounts?
Replies: 18
Views: 1182

Re: Do you need to remove credit freeze to open brokerage accounts?

There are TONS of credit reporting agencies

https://www.consumerlawfirm.com/credit- ... encies.htm

But the other major ones are CheckSystems, Innvois, and CLUE.
National Consumer Telecom & Utilities Exchange is also becoming a big player to worry about as well
by SimonJester
Sun Feb 21, 2021 11:06 am
Forum: Personal Consumer Issues
Topic: microsoft hotmail vs SMS for 2FA
Replies: 17
Views: 874

Re: microsoft hotmail vs SMS for 2FA

Two factor authentication is something you know (your password) and something you have. The second factor could been a finger print, a physical keyfob device, a USB token, your email account, your cell phone number (SMS). The last two are not really item you have, they are services provided to your...
by SimonJester
Sun Feb 21, 2021 10:32 am
Forum: Personal Consumer Issues
Topic: microsoft hotmail vs SMS for 2FA
Replies: 17
Views: 874

Re: microsoft hotmail vs SMS for 2FA

Two factor authentication is something you know (your password) and something you have. The second factor could been a finger print, a physical keyfob device, a USB token, your email account, your cell phone number (SMS). The last two are not really item you have, they are services provided to your ...
by SimonJester
Fri Feb 19, 2021 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you need to remove credit freeze to open brokerage accounts?
Replies: 18
Views: 1182

Re: Do you need to remove credit freeze to open brokerage accounts?

Many banks, credit unions and brokerages use a soft pull credit report to verify your identity. My experience was that I had to unfreeze to open the account...
by SimonJester
Fri Feb 19, 2021 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone had a TurboTax return that included a form 1116 accepted?
Replies: 207
Views: 10626

Re: How long is the IRS taking to accept returns

I submitted Saturday 2/13 it was accepted 3 minutes later! Much faster then in past years.

My state was accepted a few hours later, but their web site still has no record of my filing...
by SimonJester
Tue Feb 09, 2021 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is it me or a lot of 2020 tax forms late this year?
Replies: 45
Views: 4170

Re: Is it me or a lot of 2020 tax forms late this year?

There are a number of forms the IRS has not yet finalized, this is preventing E-filing in some cases...
by SimonJester
Sun Feb 07, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Return to office after covid shutdowns
Replies: 183
Views: 7346

Re: Return to office after covid shutdowns

There are significant IT infrastructure costs in enabling mass employee WFH. Every company went through this in March / April, increasing network bandwidth as well as telecommunication trunks. Major Network / Telco carriers were maxing out their infrastructure as well in the beginning. There are hug...
by SimonJester
Mon Feb 01, 2021 11:36 pm
Forum: Personal Consumer Issues
Topic: Poor Call Quality on Google Voice
Replies: 26
Views: 2124

Re: Poor Call Quality on Google Voice

High jitter is caused by network congestion and in your case its the upload path. As I said before you are competing with all your neighbors for the same cable pipe going back to your cable provider, and then all their customers going out to the Internet. Speak with your cable provider and see if th...
by SimonJester
Sun Jan 31, 2021 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Understanding Financial Aid Offer
Replies: 16
Views: 1000

Re: Help With Understanding Financial Aid Offer

Just some things to consider, I have two in college now and this is what what I find. The tuition and fees listed will be based on 12 credit hours, however they will push your student to take 15 per semester. This will raise that number up. My students have never spend anywhere near the allotted boo...
by SimonJester
Wed Jan 27, 2021 9:09 am
Forum: Personal Consumer Issues
Topic: Poor Call Quality on Google Voice
Replies: 26
Views: 2124

Re: Poor Call Quality on Google Voice

I have similar setup in my home. Here is the deal, your Internet provider does not offer any guaranteed quality of service on their service. So your VoIP packets are competing with everyone else on the Internet to get to their destination. With residential service we are all in this boat together. N...
by SimonJester
Tue Jan 26, 2021 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buying AirPods with 529 money?
Replies: 23
Views: 2378

Re: Buying AirPods with 529 money?

I vote yes, Air Pods are like $120 - $200 depending on model, if this get disallowed you would owe the tax +10% on the gains from that. Its not going to be a lot of money.
by SimonJester
Tue Jan 19, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 7913

Re: Engagement Ring

I'm so glad I was poor when I got married. 1/3 carat engagement ring at JC Penny's - $230, which so far has worked out to $7.18/year. +1 For me a wedding ring is like a marriage litmus test. If your spouse has issues because you bought a $500 ring instead of the $50,000 one, is that a sign of issue...
by SimonJester
Mon Jan 18, 2021 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: PIP on Auto Ins - Necessary?
Replies: 15
Views: 1096

Re: PIP on Auto Ins - Necessary?

Here is a question - if you don't have PIP but you do have normal health insurance, will your health insurance NOT cover your medical bills related to an auto accident? I chose not to get the "medical payments" coverage on my Geico policy, assuming it is redundant. Keep in mind your PIP p...
by SimonJester
Mon Jan 18, 2021 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Money for college/Is this reasonable?
Replies: 18
Views: 1863

Re: Money for college/Is this reasonable?

We have done a mix of 529 and taxable accounts. Remember you will want 16K (4k / year) per child outside a 529 if you qualify to the AOTC. For outside investments we went very conservative using a mix of CDs, I-bonds, and regular savings accounts. Your time horizon is about 4 years for the oldest ch...
by SimonJester
Sun Jan 17, 2021 9:34 am
Forum: Personal Consumer Issues
Topic: Calling all Amica insurance people. Will I get a discount for pleasure driving?
Replies: 11
Views: 1257

Re: Calling all Amica insurance people. Will I get a discount for pleasure driving?

I think it really depends on your state, when I asked about this a few years ago they told me there was no discount for low or minimal driving.
Since insurance varies by location and situation it would be best to call up and ask. Then shop around and see what others will offer...
by SimonJester
Thu Jan 14, 2021 9:57 pm
Forum: Personal Consumer Issues
Topic: What is the correct premium to pay for a Toyota vs a Chrysler?
Replies: 53
Views: 3377

Re: What is the correct premium to pay for a Toyota vs a Chrysler?

I'm sure Siennas are reliable and at least they don't rust out. But twice the life??? Do people really drive Sienna's 20 years? I have 17 years on my 2004 Sienna, I am just now hitting the first repair, leaking radiator (known issue Toyota fixed in subsequent models). It was paid off in 5 years, an...
by SimonJester
Mon Jan 11, 2021 3:45 pm
Forum: Personal Consumer Issues
Topic: Cost of owning older vehicle
Replies: 38
Views: 3303

Re: Cost of owning older vehicle

jhawktx wrote: Mon Jan 11, 2021 12:07 am
Good plan except on #2 I would keep it for longer. I have a 2007 Corolla I bought new and it is still a great car.
I was going to say the exact same thing... I am on 17 years with our minivan and just now have the first repair (coolant leak). I will never have a car payment again...
by SimonJester
Mon Jan 11, 2021 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance - tax law changes may make it more attractive
Replies: 27
Views: 2170

Re: Whole life insurance - tax law changes may make it more attractive

I suspect these will still be a bad deal for almost everyone...
by SimonJester
Sun Jan 10, 2021 10:01 am
Forum: Personal Consumer Issues
Topic: $900 Dyson Floor Lamp
Replies: 13
Views: 1627

Re: $900 Dyson Floor Lamp

Pandemic Bangs wrote: Sat Jan 09, 2021 5:06 pm It looks like you can continually adjust the color temp and there must be a sensor for ambient light, too, which it can respond to.
The Philips WIFI smart LED light bulb has a similar feature which you can then put into any normal lamp for only $12
by SimonJester
Sat Jan 09, 2021 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Weird Phone Conversation with Fidelity
Replies: 56
Views: 5554

Re: Weird Phone Conversation with Fidelity

Wow, on drugs really? I take it you have not worked in a call center. The work gets pretty monotonous at times. Back in the late 90s I worked for Microsoft, I could walk users through fixing their problems in my head without even looking at my screens. Creating a positive experience for the customer...
by SimonJester
Fri Jan 08, 2021 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: 529 funds for off-campus housing - online classes
Replies: 12
Views: 1729

Re: 529 funds for off-campus housing - online classes

Jumping into this thread because I have a follow-up question that I can't glean the answer to based on previous replies: Son is currently renting a non-university apartment next to campus and the 1-year lease is from July 1 to June 30. The school is on the semester system and the housing portion of...
by SimonJester
Thu Jan 07, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: end auto lease, what would BHers do?
Replies: 34
Views: 2292

Re: end auto lease, what would BHers do?

relentless1 wrote: Sat Jan 02, 2021 11:20 am The kids are off to college so we don't need the 3rd car.
You might check with the kids, will they be coming home for summer and need a vehicle for summer jobs?
by SimonJester
Sun Jan 03, 2021 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: I Bond POD vs With for Spouse
Replies: 6
Views: 477

Re: I Bond POD vs With for Spouse

I would like to get opinions, is it better to have I Bonds registered as POD to my spouse or registered With (co owners) my spouse? I have a mix of both right now... Unless there's some reason to not want your spouse to have full access while you're alive, my personal preference would be as co-owne...
by SimonJester
Sun Jan 03, 2021 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: I Bond POD vs With for Spouse
Replies: 6
Views: 477

I Bond POD vs With for Spouse

I would like to get opinions, is it better to have I Bonds registered as POD to my spouse or registered With (co owners) my spouse? I have a mix of both right now...
by SimonJester
Sun Jan 03, 2021 10:00 am
Forum: Personal Consumer Issues
Topic: Credit card cell phone insurance
Replies: 8
Views: 563

Re: Credit card cell phone insurance

For damage, they likely need you to mail it to the claim center for review. The one time I used this benefit on my youngest son's cell phone we could take the phone anywhere for repair. You needed to get an estimate of the repair costs and submit it along with the proper paperwork. In our case we r...
by SimonJester
Sat Jan 02, 2021 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus deposit
Replies: 16
Views: 2141

Re: Stimulus deposit

JoeJohnson wrote: Sat Jan 02, 2021 10:52 am That said, I believe there is very little financial benefit to parents for having a 21 yr old dependent under the (relatively) new 2018 tax laws?
Depends if that 21 year old is going to college and you want to claim the AOTC they need to be a dependent. The ATOC is worth upto $2,500.
by SimonJester
Wed Dec 30, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: buying a 2021 Toyota Sienna in the next few days
Replies: 34
Views: 2639

Re: buying a 2021 Toyota Sienna in the next few days

TSquare wrote: Wed Dec 30, 2020 4:29 pm Not one poster has tried to steer OP to a 10y/o Corolla with narrow width carseats!? C’mon, you guys are slipping!
I'll one up this, if your current vehicle only need an alternator then spend the $120 and replace the alternator. Seems like a better deal then a $700 car payment...
by SimonJester
Wed Dec 30, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: How to choose a good orthodontist?
Replies: 19
Views: 1168

Re: How to choose a good orthodontist?

I would be sure to ask how long they plan to stick around. In the past 20 years I have had 6 different dentists, now needing a 7th. Mine all seem to sell their practice and move away, some of the replacements were so bad we decided to find another DDS... In general out of the 6 DDS Ive only had 2.5 ...
by SimonJester
Wed Dec 30, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Financial Differences: One Versus Two Children
Replies: 57
Views: 4181

Re: Financial Differences: One Versus Two Children

We have two in college now. Costs were not exactly double all the time. We already had a 3 bedroom house when the 2nd came along. Some clothing was passed down to the younger one. Same with some early baby items, but as they grew older each needed their own things. All of that, plus the cost of day ...
by SimonJester
Wed Dec 30, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: 6 week replacement for dell laptop
Replies: 53
Views: 2590

Re: 6 week replacement for dell laptop

I have the same issue with HP, my youngest son in college sent his laptop in for repair hoping it would be fixed during the winter break. It was delivered next business day, we then were told it would be 2+ months for the repair! We are going to escalate again in a week and see what they are willing...
by SimonJester
Wed Dec 30, 2020 12:24 am
Forum: Personal Consumer Issues
Topic: My fresh Christmas tree still taking water and still fresh...
Replies: 15
Views: 1259

Re: My fresh Christmas tree still taking water and still fresh...

One difference could be the amount of trunk cut from the bottom before you took it home. Did walmart make a fresh cut, I assume lowes did. Ours has slowed down in its drinking but still has nice soft needles. I would never spray the tree / ornaments with water, some are from my late grandmothers dat...
by SimonJester
Tue Dec 29, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2nd round of economic impact payments begins tonight 12/29
Replies: 4
Views: 1262

Re: 2nd round of economic impact payments begins tonight 12/29

So it looks like we will be getting a Notice from the IRS showing what was paid out : Notice 1444 Your Economic Impact Payment. We will need this form to file taxes this year. I wonder if folks receiving payments between now and 12/31/20 will have the next round included in 2020. Will there be folks...