Search found 2135 matches

by Saving$
Sun Apr 11, 2021 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10505

Re: In-Laws' HOA demanding $8000 lumpsum payment

First things first. Did the in laws buy Owner's Title insurance? There are two types of Title Insurance 1. the type required by the mortgage company, which protects the MORTGAGE company 2. the "rider" the buyer voluntarily purchases on top of the lender's title insurance for "Owners T...
by Saving$
Sun Apr 11, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 101
Views: 6094

Re: [Spouse recently passed away. Please help me handle his financial matters]

Bennie So sorry for your loss, and the resulting pain, loneliness and heartache. First thing is to do what you need to in order to take care of yourself. You will not "get over it" but in time the pain may be less acute, simply because it is not so new. In regards to the money, you have co...
by Saving$
Sun Apr 11, 2021 10:54 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 2723

Re: Flooring decisions for whole house - tile vs laminate

Neither. Look for a high quality "Luxury Vinyl" plank (or tile, but you indicate you prefer the wood look). These products have come a LONG way in the last few years. The floating click versions are even being installed in high end commercial office buildings. These products will let you p...
by Saving$
Sat Apr 10, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: Any MagicJack phone alternatives that are cheaper and better?
Replies: 16
Views: 1749

Re: Any MagicJack phone alternatives that are cheaper and better?

I use Google Voice (GV)/ Obihai 200 close to three years now. GV is free but the initial cost was porting from Verizon to TMobile (TM)($40), TM to GV $20, $50 for Obihai device and $1 a month for E911 service. After the initial setup cost I only pay $1 a month or $12 a year for E911 service which I...
by Saving$
Mon Apr 05, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: Buying Appliances from Greentoe?
Replies: 0
Views: 233

Buying Appliances from Greentoe?

Searching the forums indicates several BH's have purchased TVs via Greentoe and had a good experience. I'm looking at appliances. Greentoe has the models I'm seeking at about 2/3 the cost of the lowest price at the big box stores. Costco only carries an upgraded version with bells & whistles I d...
by Saving$
Fri Apr 02, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: Non ACA individual medical insurance?
Replies: 8
Views: 738

Re: Non ACA individual medical insurance?

Non-ACA plans exist in my state with plans ranging from ultra-narrow to very broad networks. Try googling the name of your state, plus blue cross blue shield. I can buy directly from them. By non-ACA plans, do you mean plans that are not compliant with ACA rules (often short-term plans with limitat...
by Saving$
Thu Apr 01, 2021 9:03 pm
Forum: Personal Consumer Issues
Topic: Non ACA individual medical insurance?
Replies: 8
Views: 738

Non ACA individual medical insurance?

For those considering early retirement, one of the biggest obstacles seems to be health insurance. The upside is insurance is definitely available through the ACA. The downside is the ACA plans in some areas are all terrible - even though my area is a major city with 3 enormous medical systems, the ...
by Saving$
Tue Mar 30, 2021 10:26 pm
Forum: Personal Consumer Issues
Topic: Using Android Beyond Security Update Period
Replies: 9
Views: 759

Re: Using Android Beyond Security Update Period

We pre-ordered a Librem 5 in November 2018 to replace it - emphasis on the pre-order. Still waiting on the new phone (orders are being filled, we're just later in line). But I fully expect the phone to be supported for several years. After 2 rounds of Samsung's flagship phones the other household m...
by Saving$
Mon Mar 29, 2021 9:52 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 45
Views: 2840

Re: Essentials for Bathroom Remodel

1. Curbless shower. 2. Schluter Ditra. https://www.schluter.com/schluter-us/en_US/Membranes/Uncoupling-(DITRA)/Schluter®-DITRA-&-DITRA-XL/p/DITRA 3. Electrical outlet behind toilet. Someday, you will want the washlet. Toto 4. Install a towel warmer. If you don't, then pre-wire for it. https://r...
by Saving$
Thu Mar 25, 2021 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10480

Re: JTWRS Nightmare - what are my options?

I asked my bank if I bring a check made out as "John Jones & Mary Jones JTWRS" could just 1 person sign the sign for deposit and they said no. They said if the check was payable to "John Jones or Mary Jones JTWRS" or even "John Jones, Mary Jones JTWRS" then just 1 ...
by Saving$
Thu Mar 25, 2021 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10480

Re: JTWRS Nightmare - what are my options?

I asked my bank if I bring a check made out as "John Jones & Mary Jones JTWRS" could just 1 person sign the sign for deposit and they said no. They said if the check was payable to "John Jones or Mary Jones JTWRS" or even "John Jones, Mary Jones JTWRS" then just 1 ...
by Saving$
Thu Mar 25, 2021 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10480

Re: JTWRS Nightmare - what are my options?

Sorry maybe you've already answered though it's not clear to me-have you asked whether you can have checks issued to you and write a check to yourself without the joint owner's signature? Again, at Etrade they will allow this although they will not allow an account transfer without both owners' sig...
by Saving$
Wed Mar 24, 2021 12:34 am
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10480

Re: JTWRS Nightmare - what are my options?

OP - you are making this very complicated for yourself. You have received numerous posts with good advice, yet your response to all has been to speculate as to why it won't work. What is there to lose by trying one of the methods suggested? Set up an account in your name only, and see if you can mov...
by Saving$
Tue Mar 23, 2021 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22376

Re: What is an average retirement a/c worth in America ?

This forum draws a disproportionate share of its users from two groups: - People who have unusually high paying jobs, or somehow acquired wealth early (startup, inheritance, etc.) - People who are more deliberate/disciplined/detailed than the average person, whether they have a low, average or high ...
by Saving$
Mon Mar 22, 2021 10:02 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5238

Re: Baylor, Auburn or ‘Bama?

livesoft wrote: Mon Mar 22, 2021 9:30 pm None of the above. Keep looking.

Consider taking a gap year or two.
+1
by Saving$
Mon Mar 22, 2021 9:12 pm
Forum: Personal Consumer Issues
Topic: New Glasses, Costco or Walmart?
Replies: 41
Views: 2678

Re: New Glasses, Costco or Walmart?

JPH wrote: Mon Mar 22, 2021 9:53 am The coating peeled off my glasses from Costco. Walmart has a much larger selection of frames.
Same happened to mine. I brought them back and Costco replaced the lenses no cost.
by Saving$
Sat Mar 20, 2021 11:27 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15253

Re: What do most people do with a 401K upon retirement if they dont need it?

The 401k can be rolled over into an IRA with Vanguard or whoever. This is not a taxable event. The IRA can just set there without paying any taxes until withdrawals from the IRA are made. The withdrawals can be the RMD when required, or a qualified charitable distribution or any other reason. Great...
by Saving$
Sat Mar 20, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Itemize to save on state taxes?
Replies: 19
Views: 1444

Re: Itemize to save on state taxes?

I'm in a no income tax state right now, but I might find myself in the same situation soon if I take an out of state assignment for 2-3 years. My state income tax would probably be close to the SALT limit of $10k and (being single) it wouldn't take much to go over the standard deduction on the fede...
by Saving$
Sat Mar 20, 2021 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Itemize to save on state taxes?
Replies: 19
Views: 1444

Re: Itemize to save on state taxes?

This clearly depends on the state. In mine, I do not have to take the same deduction on state as I do on federal. As in a prior post, I can file either MFJ or MFS on the state return, even though MFJ is always best on the federal return. MFS is almost always better on the state return,though slight...
by Saving$
Sat Mar 20, 2021 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Itemize to save on state taxes?
Replies: 19
Views: 1444

Itemize to save on state taxes?

Are there any downsides to taking an itemized deduction on federal return that may be lower than the federal standard deduction in order to be eligible to carry the itemized deduction on the state return? In this case the itemized deduction on the state return results in a net $500 savings between t...
by Saving$
Wed Mar 10, 2021 10:38 pm
Forum: Personal Investments
Topic: Overcontributed to 401k - Looking for some advice moving forward
Replies: 8
Views: 813

Re: Overcontributed to 401k - Looking for some advice moving forward

I'm by no means an expert on this, but if a plan tests and determines the highly compensated individuals over contributed, don't they just return the funds, and you pay the taxes on those just as if you had never contributed to a 401K? I don't think there is a penalty involved. Maybe those who know...
by Saving$
Wed Mar 10, 2021 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off parent's mortgage?
Replies: 44
Views: 3873

Re: Pay off parent's mortgage?

You and the sibling(s) who can afford it pay off the mortgage and either each record a lien against the house for the amount paid or get a promissory note, perhaps at no interest. That way mom and perhaps her estate get the benefit of the appreciation, and the siblings paying off the mortgage get th...
by Saving$
Wed Mar 10, 2021 7:47 pm
Forum: Personal Investments
Topic: Overcontributed to 401k - Looking for some advice moving forward
Replies: 8
Views: 813

Re: Overcontributed to 401k - Looking for some advice moving forward

I'm by no means an expert on this, but if a plan tests and determines the highly compensated individuals over contributed, don't they just return the funds, and you pay the taxes on those just as if you had never contributed to a 401K? I don't think there is a penalty involved. Maybe those who know ...
by Saving$
Sat Mar 06, 2021 2:24 am
Forum: Personal Consumer Issues
Topic: How long should I wait to dispose of incorrect shipment?
Replies: 6
Views: 981

Re: How long should I wait to dispose of incorrect shipment?

Doing some remodeling on a recently purchased home. Ordered two identical items from the only online supplier I could find at a cost north of $300 each. Shipping was a little more than the cost of one of the items and I purchased damage insurance as I viewed the items as easily damaged. Order arriv...
by Saving$
Sat Mar 06, 2021 2:21 am
Forum: Personal Consumer Issues
Topic: Calling All Floor Experts
Replies: 24
Views: 2287

Re: Calling All Floor Experts

You have two separate issues: 1. Humidity You need to figure out where that is coming from and attempt to resolve it. Is there a perimeter drain around your house? If so start there by cleaning that, cleaning gutters, etc. Get a moisture meter and stick it in the slab. - There are moisture barriers ...
by Saving$
Wed Mar 03, 2021 8:19 pm
Forum: Personal Consumer Issues
Topic: Anyone employ personal assistants? House managers?
Replies: 49
Views: 4184

Re: Anyone employ personal assistants? House managers?

A family I know employs a person who both does all/most of these tasks, and/or hires others to do them. This person shops, prepares dinner, carts the kids around as needed and manages the kids schedules/appointments. She also supervises the housecleaner, landscaper, car washer and anyone else coming...
by Saving$
Wed Mar 03, 2021 12:09 am
Forum: Personal Consumer Issues
Topic: 1987 Carrier HVAC. Replace or fix?
Replies: 57
Views: 3446

Re: 1987 Carrier HVAC. Replace or fix?

Guys, I have a 34 year old HVAC system. It has been giving me some issues lately which requiring occasional power cycling (maybe 3x a week). I called a technician and he suggested that while he could fix it for a few hundred dollars, I should be replacing both the HVAC system and the air conditione...
by Saving$
Tue Mar 02, 2021 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Financial Performance Report - does it look ok?
Replies: 25
Views: 1335

Re: Alliant Credit Union Financial Performance Report - does it look ok?

Have had accounts (savings, checking) at Alliant for nearly 10 years now. They used to be a recommended HSA custodian, which is why we joined. Unfortunately they got out of that "business", but we have no complaints and have had no issues with them. Not the OP, but I'm wondering about the...
by Saving$
Mon Feb 22, 2021 12:36 am
Forum: Personal Finance (Not Investing)
Topic: New home construction and possible settlement?
Replies: 18
Views: 1664

Re: New home construction and possible settlement?

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if w...
by Saving$
Sun Feb 21, 2021 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: New home construction and possible settlement?
Replies: 18
Views: 1664

Re: New home construction and possible settlement?

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if w...
by Saving$
Sun Feb 21, 2021 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: New home construction and possible settlement?
Replies: 18
Views: 1664

Re: New home construction and possible settlement?

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if wh...
by Saving$
Sat Feb 20, 2021 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for input from construction professionals
Replies: 9
Views: 1336

Re: Looking for input from construction professionals

Californiastate: I had no intention of down playing how difficult it might be, that's the main reservation I have, knowing it will take several years of hard work and long hours to get it going and we could be a major recession/depression away from it being all for nothing. I'm far from netting 200...
by Saving$
Fri Feb 19, 2021 11:40 pm
Forum: Personal Investments
Topic: Suggestions for 27yo engineer, ~$1mm windfall, looking to DIY growth
Replies: 27
Views: 5429

Re: Suggestions for 27yo engineer, ~$1mm windfall, looking to DIY growth

Suggested plan:
1. Max out 401k
2. See if you can roll the traditional IRA into your 401k so you can do a backdoor Roth, which you will then max out
3> Leave the rest alone until after you read the booklet recommended above. Then put together a MUCH simpler plan and post back here.
by Saving$
Fri Feb 19, 2021 11:32 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14635

Re: Changes to LastPass free

KeePass Free, always has been, always will be. Works on any platform - been using it since Palm Pilot days, into blackberry OS, to Android and in Iphone, as well as on both work and personal computers concurrently along the way. No complaints at all. what iphone and android app are you using specif...
by Saving$
Fri Feb 19, 2021 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for input from construction professionals
Replies: 9
Views: 1336

Re: Looking for input from construction professionals

What part of the commercial market are you involved with? The $2-$5mil market is far different than the $30-$50 mil market, which is very different from the over $100 mil projects, and then there are the $1b projects. Regardless of your commercial market, you will be shocked at the difference in the...
by Saving$
Wed Feb 17, 2021 12:51 am
Forum: Personal Consumer Issues
Topic: Why are some grocery store items available for in-store pickup only (not curbside pickup)?
Replies: 9
Views: 999

Re: Why are some grocery store items available for in-store pickup only (not curbside pickup)?

I would also like to know this. It even varies between brands. Store brand of fresh washed spinach available for curbside pickup, the other brand (in a smaller container) is only available in store...
by Saving$
Wed Feb 17, 2021 12:44 am
Forum: Personal Consumer Issues
Topic: home security camera
Replies: 56
Views: 4693

Re: home security camera

I recently installed some Eufy doorbell cameras. I liked them so much I bought some outdoor cameras as well and plan to buy some indoor cameras when I catch a sale (happens about once a month on Amazon etc.). Local hosting, all camera types appear in one phone app, no monthly fees, reviews generall...
by Saving$
Wed Feb 17, 2021 12:42 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14635

Re: Changes to LastPass free

KeePass

Free, always has been, always will be.
Works on any platform - been using it since Palm Pilot days, into blackberry OS, to Android and in Iphone, as well as on both work and personal computers concurrently along the way. No complaints at all.
by Saving$
Sat Feb 13, 2021 9:12 pm
Forum: Personal Consumer Issues
Topic: Interactive "Grandparent" app with Kindle Fire Kids + Windows Laptop??
Replies: 3
Views: 399

Re: Interactive "Grandparent" app with Kindle Fire Kids + Windows Laptop??

Carson wrote: Sat Feb 13, 2021 12:08 am Can you use the ‘House Party’ site/app?
Interesting app. I don't that is quite what we are after, but appreciate the suggestion...
by Saving$
Fri Feb 12, 2021 11:48 pm
Forum: Personal Consumer Issues
Topic: home security camera
Replies: 56
Views: 4693

Re: home security camera

I recently installed some Eufy doorbell cameras. I liked them so much I bought some outdoor cameras as well and plan to buy some indoor cameras when I catch a sale (happens about once a month on Amazon etc.). Local hosting, all camera types appear in one phone app, no monthly fees, reviews generall...
by Saving$
Fri Feb 12, 2021 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just commit to a buyer agreement with the realtor?
Replies: 23
Views: 3215

Re: Did I just commit to a buyer agreement with the realtor?

We don't know what you signed.
Read the documents you signed when you made the offer on the other place. Did they include an agreement to have that agent represent you for x weeks/months?
by Saving$
Fri Feb 12, 2021 10:40 pm
Forum: Personal Consumer Issues
Topic: Metal Ducts - insulate, seal, or replace
Replies: 28
Views: 2360

Re: Metal Ducts - insulate, seal, or replace

Metal ducts are almost always better. Where are the ducts installed?? - In an unconditioned attic? - In a conditioned (ie heated and/or cooled) basement? - In an unconditioned crawl space? Whatever space they are in, are they accessible? Are you at all handy? - Sealing ducts is simple and easy work ...
by Saving$
Fri Feb 12, 2021 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 94
Views: 11783

Re: Helping my nephew out of his rut

Nephew update for anyone interested. It's a good news, no news update. The loan payback is going well. He has been on time every month and paid ahead a month. That is good from the standpoint that he is honoring his obligations. He always did but he had too many self-inflicted obligations. I'm happ...
by Saving$
Fri Feb 12, 2021 10:14 pm
Forum: Personal Consumer Issues
Topic: Interactive "Grandparent" app with Kindle Fire Kids + Windows Laptop??
Replies: 3
Views: 399

Interactive "Grandparent" app with Kindle Fire Kids + Windows Laptop??

Does anyone use any interactive apps to visit, read, play games remotely with their grandchildren? A family member has been using the Caribu app to interact with grandkids who live several states away. It seems to work much better than zoom. Due to a concern with the kids damaging the adults laptop,...
by Saving$
Wed Feb 10, 2021 7:43 pm
Forum: Personal Consumer Issues
Topic: Alt phone svs so I don't have to give out primary cell number
Replies: 26
Views: 2175

Re: Alt phone svs so I don't have to give out primary cell number

When I'm online shopping and they require a telephone number at checkout, I put all 0s or all 5s. I've never had a problem. Is a burner number sufficient for your needs? I had to google what "a burner number" is. Based on the PC magazine article "Burner Accounts 101", yes, I thi...
by Saving$
Mon Feb 08, 2021 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6085

Re: What's your highest limit credit card?

Thank you for posting this. Made me look at my limits. I have only had a reason to be concerned about it once in my life. Credit score in the 800's, pay each card off in total every month for over 30 years. - The card I use most often - about $1k/m - has a limit of just over $18k - Most of the other...
by Saving$
Sun Feb 07, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: Alt phone svs so I don't have to give out primary cell number
Replies: 26
Views: 2175

Re: Alt phone svs so I don't have to give out primary cell number

I have ooma, and voice mail is provided. There is an option for this, for an additional price: Voice-to-Text Save time and money with Ooma Voice-to-Text by taking advantage of the option to read voicemails before you listen to them. Voice-to-Text automatically converts your voicemail messages into ...
by Saving$
Sun Feb 07, 2021 12:52 pm
Forum: Personal Consumer Issues
Topic: Alt phone svs so I don't have to give out primary cell number
Replies: 26
Views: 2175

Re: Alt phone svs so I don't have to give out primary cell number

2. Get a cheap backup cell phone plan. I know this would work, but I don't want to have to deal with charging another phone, constantly clearing out the audio voice mail, etc. I would prefer something on which I can check VM and texts online via a screen. The cheap plans don't have visual voicemail...
by Saving$
Sun Feb 07, 2021 12:08 pm
Forum: Personal Consumer Issues
Topic: Alt phone svs so I don't have to give out primary cell number
Replies: 26
Views: 2175

Re: Alt phone svs so I don't have to give out primary cell number

Most times, I find that a fake number is accepted. That precludes being able to respond to a message. I need to be able to respond. For example, I ordered food this week, and since they won't take a GV number, I used the old LL number I still have. It's audio only voicemail was full, and since they...