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Rolling Over 401k
Added on : Thursday October 30th 2014 02:00:06 PM
g: 0 Posted By: JasonTell7
Views: 115 Replies: 1 My wife quit her job as an insurance agent about 2 years ago, and went to school for nursing. She is now an RN, and we are wanting to roll over her 401k. The hospital she is working for will only match up to 2%. The paperwork we have received is giving an option to rollover to either a 401a or 403b. What are the advantages and disadvantages of these different types of plan? I am not very good when it comes to the retirement funds Thanks in advance!
Question Deals
Body Shop Scam - How to Handle?
Added on : Thursday October 30th 2014 11:00:05 AM
g: 0 Posted By: okashiraaa
Views: 29 Replies: 0 Posting for older immigrant coworker. Will try to be concise w/o leaving out information.

10/25/20148:30am: Older (66) coworker who speaks mediocre English hits deer in 2014 model car(his first new car of his life...)
After police, etc., come, tow truck comes and tows his car to Body Shop in Houston. The Body Shop was recommended by Tow Truck Driver (mistake #1) and Coworker obliged.
~9:00am Immediately upon arrival Body Shop has coworker sign release form "authorization to do work" form (the kind that you typically sign after an estimate is made and you want the shop to do the work) This form only shows a charge of $160 for towing and no description of work to be done
~10:00am Geico requests car be moved to one of their preferred shops. Coworker again obliges. Travels to Body Shop and signs RELEASE form for car to be released to Geico.
10/26/2014 Geico Adjuster visits Body Shop and is told that Geico (or coworker) must pay $1100 to pick up car. For Admin fee, Tow Fee, Storage Fee, Steering Fee, and 1 more I can't recall.
10/26/2014 - 10/30/2014 Geico and Coworker meet and discuss several times. Geico finally refuses to pay any fees except Tow and Storage, leaving co-worker stuck.
10/30/2014 Body Shop Fees to release car have been raised to $1545. They have done NO work, and they have not even provided an estimate. All fees are Admin, Tow, Storage, Steering, +1 more BS fee


Cops were called, was told civil matter.
I visited them myself in person and they BSed me. "he signed the form so he agreed to charges."

What to do? We are stumped. So they can just keep the car forever? What if he doesn't have the money?
He's forced to have them do the work?

He has comprehensive insurance with $500 deduc.


BTW, shop said he wouldn't have to pay deducible (another shady thing to do...)
Question Deals
Subrogation
Added on : Wednesday October 29th 2014 06:00:16 AM
g: 0 Posted By: jamesinncc
Views: 103 Replies: 1 Does anyone know if a different homeinsurance company thatfiles a subrogation claim on your home insurance can affect the CLUE reports and you might see a hit there? And whether the repercussions of subrogationare sameas you filing a claim yourself? (increase premiums, $ cost on renewals or shopping for new home insuranceetc)?
Personal Finance Deals
another dentist office billing problem
Added on : Tuesday October 28th 2014 03:00:12 PM
g: 0 Posted By: brennadams
Views: 129 Replies: 3 I have delta dental a very good plan. So my son needed oral surgery. I got the written estimate from oral surgeon including what my portion was.. Got the eob today, and it clearly statez they paid xxx and patients portiin is limited to what tbey listed. Problem is the oral surgeons office said my portion that i had to pay up front was twice what the insurance said was my respinsibility. So they are overpaid and owe me money. Does this happen routinely and how could they have been so far off on my portion..and most mportant shouldnt i get a refund? Between what i paid and what my plan paid, they have been overpaid. Any thoughts?
New User Question Deals
TaoTao ATM50-A1 Gas Street Legal Scooter - Red $649 w/FS @ NeweggFlash
Added on : Tuesday October 28th 2014 08:00:17 AM
g: 0 Posted By: ctgolfer
Views: 203 Replies: 0 Specifications
Engine Size:49cc 4-stroke
Start Type:Electric with keys, kick start back up
Transmission:Fully Automatic
Drive:CVT
HP:3.5
Cooling:Air Cooled
Ignition:CDI
Top Speed:40 MPH
Cruise Speed: 35 MPH
Miles per Gallon: 100+
Front Brakes:Disc
Rear Brakes:Drum
Front Tires:100/60 - 10 inches Steel Rims
Rear Tires:100/60 - 10 inches Steel Rims
Front Suspension:Hydraulic
Rear Suspension:Hydraulic Spring
Controls:Twist Throttle, Fully Automatic
Lighting:Headlights, Brake, Blinkers, Street Legal
G. W.:220 lbs
Length:67.32
Width:30.7
Height:51.57
Weight Capacity:250 lbs

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Newegg Flash Coupons
g: 0 Posted By: LearningFast
Views: 12 Replies: 0 I was parallel parked in my car (waiting for my girlfriend to run into an ice cream store) and a middle school kid on a bicycle ran into my car and broke my tail light. I called police who found his mom (apparently she worked at a Target store near where we were). Cops gave me mom's name, address and cell phone number. I called the number, she picked up but spoke barely no English. Said can her husband call me back in 15 minutes (this was last night). Since then they haven't been answering their cell phone, or their landline number.

Now, apparently state law says that parents are not legally responsible for property damage caused by their minor children unless it was malicious (not the case here, kid was just dumb). So small claims court is not gonna help.

This is a small repair $200-$300, under the insurance deductible. But still not something I would wanna pay for out of my own pocket for minding my own goddamn business in my car parked legally. Can these guys really get away with this by just not picking up their phone? Or is there some way to make them pay?
g: -2 Posted By: DTASFAB
Views: 139 Replies: 4 This texting conversation took place within the past hour. Names have been changed to protect the guilty (since there are obviously no players in this who are innocent). Background info is that my close friend Vinny is engaged to Caroline and they are scheduled to be married in the next six months. They're looking at apartments, but I'm not sure if they're planning on renting or buying. In either case, I'm concerned that my checking/savings accounts could mistakenly show up in their background checks when applying for a rental and/or mortgage. Both my checking and savings accounts are titled exactly "DTASFAB ITF VINNY." I kept the entire discussion in the texting format to avoid too many follow-up questions. Everything I know at this point is part of the exchange that's copied below.

QUESTIONS: What's the worst thing that can happen (legally speaking) to him if he goes back to the bank tomorrow and actually attempts to withdraw my money? I realize most of you will say my friend could steal my money, but I don't even care about that. I'm just pissed at the bank right now.

Did the teller actually violate any laws and/or banking regulation? Is there a way to profit from it already? Would there be a way to profit from it that first would require some action on my part, his part, or both?

Most importantly, if we both do nothing from this point, is there any chance this could negatively affect Vinny's tax burden and/or apartment search?

TL;DR - just read the thread title

Vinny: Can you close the joint TD bank account we have?

DTASFAB: It's not a joint account, why?

Vinny: They told me we have an account together with 400 dollars in it. I assume the money is yours.

DTASFAB: Who told you?

Vinny: TD bank, I was depositing a check into a joint account and they asked me which one. I said there is only one I know of..... and she said there are two accounts with my name on it, one with Caroline and one with you with 400 dollars in it. Did you forget about it?

DTASFAB: I will go over there tomorrow and chew them a new a$$h0le. They have no legal right to discuss that account with you. It is in trust for you only. You get the money only if I die. Otherwise your name is not on the account. That teller broke the law by telling you how much is in there.

Vinny: It was either opened in 2012 or that was the last activity

DTASFAB: The last activity on the account was a couple weeks ago. The last activity on it that had anything to do with you was the same day I opened it in Oct. 2012 and made you the benficiary.

Vinny: Okay, I didn't know anything about it obviously, just make sure my SS number isn't on it for tax purposes, and thank you.

DTASFAB: You think I'd forget about a bank account that had real money in it? lol Your SSN and birthdate are on it for beneficiary purposes only so they can identify and authenticate you as the legitimate beneficiary when I die...... They still broke the law and I'm going to rip them 100 new a$$h0le$ tomorrow

Vinny: Awesome, kick their a$$, I never really thought you would forget, but it caught me off guard. Bank branch where this happened was at XXX XXXXXXXX XXXXXXXX, teller's name was Caroline. Bank is open for 25 more minutes if you want to call and talk to her or the manager.

DTASFAB: hard name for you to remember? lol You'd better pray it doesn't become a name you'd prefer to forget

Vinny: Lol never

DTASFAB: I'm not going over there today. I know they're open. I have to figure out if there is a way to profit from this before I confront them.

Vinny: Sounds good, be careful, your life is now worth $400 to me... you are worth more to me dead than alive

DTASFAB: The checking account with $1000 in it is also ITF for you, that's 1400, enough for a vasectomy even if you have no health insurance. You should kill me and use the money to get snipped. I'd take that tradeoff.

Vinny: Thanks man, I'll take that money and use it for fertility pills. You better cut me out real quick. They didn't tell me about any other account.

DTASFAB: Yeah probably because you said "joint savings."

Vinny: Any chance I can withdraw it all now and use it for the wedding? It will be a great gift. I didn't try to withdraw anything. Imagine if they let me access to it lol

DTASFAB: You should try tomorrow and see what happens. See this is why I don't react quickly and throw temper tantrums. I want to give them every possible opportunity to #&%@ themselves so we can profit in some way.

Vinny: I will try tomorrow for sure.

DTASFAB: I'll keep you updated.
Tax Deals
g: 0 Posted By: DaysFan
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g: 0 Posted By: remick
Views: 376 Replies: 0 http://www.amazon.com/Guidance-Creating-Your-Power-Attorney-eboo...


Lean how to create your own will and power of attorney forms to prepare for an uncertain tomorrow.
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No one wants to think of their own death. But it is important to plan for your family and other loved ones are provided for if anything should happen to you. Guidance On Creating Your Own Will & Power of Attorney can help you create your will (last will and testament) and power of attorney legal documents that you actually understand.

Wills and powers of attorney are not only for people who are at the age where death is not far away. People die at all ages. A will is needed if you have assets and property to be allocated to those you wish to benefit. A power of attorney can help fulfill your specific wishes if you are ever in a comma. Now is the time to think about creating your legal documents if you have not created them. If you have created them, make sure that your documents are current and reflect the changes in your life because the court will look to these documents as proof of your wishes. If you dont have them or they are missing, the court will apply state laws. These laws may not reflect your wishes, so make sure you look seriously at the making or updating of your documents at the earliest.

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Books & Magazines Deals

Amazon Coupons
offered a limp sum pension buyout
Added on : Tuesday October 21st 2014 05:00:07 PM
g: 2 Posted By: warrensmailbox
Views: 101 Replies: 2 I've been offered a limp sum pension buyout from my former employer of 30 years.. It's near a quarter million. I'm 60 and on SSDI for 10 years, the wife is 57. She is on SSDI as well. (5 years now)Together we get about $3000 in SSDI monthly payments and a personally paid for un-taxable insurance disability income payment of $900 per month. We also get $400 income per month as rental income.Total monthly income is about $4300. I've found I get more than double an average American gets from SS (which is about $1,100 PM). So I'm highly compensated as for as SSDI payments.We still owe on our home $350 a month -insurance & a new 40 year loan to boot. (it's complicated due to no heath insurance for 6 years and we lost our primary home which was mortgaged to cover medical expenses (no one would sell us a plan) and finally had to file chapter 7, we moved into our 90% finished vacation home (they let use keep it) had to give up my Ram, RV and primary home. We have medicare coverage now thank God.We have a few new medical bills, car payments and credit cards (from meds) we owe as well. Total amount in debt is only about $77,000 that we can pay off with a portion of our lump sum in cash plus thousands extra left over to bank. The other slightly larger portion to be rolled over into an IRA (no taxes to pay) which I wouldn't draw on only until I'm 65 than take small monthly payments.Our health is fair to poor actually more leaning toward poor. Our monthly income (we'll lose the $900 insurance payments if I took the buyout or annuity) without these debt obligations my monthly living expense would be $1731.00. Food, utilities, clothing, insurance, deductibles/co-pays and such all fractured it. We don't pay any type of taxes, property or state/feds income. Of course we'll take a 20% tax hit on the cash out, but we may get some back.Total income would be $3350.00. Amount free with no obligations would be $1,600.00 per month and will be split to saving per month and most importantly our home will be ours again.If I took the annuity option 2 instead I would get $1,450 a month right NOW for life, BUT per terms of my personal disability insurance contract once I do that the $900 monthly payments stop as well. So basically I'll only get $500 extra income but the whole $1,400 will now be taxable income. 17K a year taxable.I'm leaning to the boat load of money. I feel we can do without the pension payments and lets face it we may not live long enough to enjoy it, plus my only child could be left something other than bills.What do you think?Thanks
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g: 0 Posted By: remick
Views: 162 Replies: 1 http://www.calcas.com/
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g: 0 Posted By: remick
Views: 117 Replies: 0 http://www.calcas.com/
Surveys & Rewards Deals
health insurance location matters?
Added on : Sunday October 19th 2014 04:00:08 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 0 my employer does not provide health insurance at all and I have to get my own. I am in my early 30s and in good health. The reason I want to get medical insurance is to avoid penalty, so it's basically for financial sake and accidents. I haven't had a need to see a doctor in years. What i notice is that price varies across geographic locations. Is it ok for me to purchase a plan in an area nearby and yet where I have no affiliations to? TIA
Question Deals
Risks/hazards of letting someone stay in your house for free
Added on : Sunday October 19th 2014 10:00:06 AM
g: 0 Posted By: fwlurkerjr
Views: 118 Replies: 0 Short version: Father passed away, left me a paid off house, wanted me to let long-term girlfriend live in house until she dies so she isn't homeless. What do I do to protect myself, the house, and minimize inconvenience?

Longer:
Luckily I dodged a "life estate" situation, so the terms and conditions of her living there are entirely up to me. I could, conceivably, kick her out if I wanted to. Although that is obviously not my intent, I do want to set things up in a reasonable fashion. Her entire income is social security and maybe some cash from my father's 401K.

I can charge her a nominal amount to cover property taxes and other basic expenses (say ~$300/month) but that is far below market ($3000ish.)

Should I just set up a month-to-month rental agreement and treat her as a renter? I have never been a landlord, and am not excited about it. I assume if I am charging well below market, my tax opportunities are also limited. I assume I'd also need landlord-oriented insurance of some sort.

(obviously it goes without saying I currently have no immediate need for the equity or additional cash flow, but obviously trying to optimize the situation.)

Any non-obvious things I should be considering?

Real Estate Deals
g: 0 Posted By: DiMAn0684
Views: 73 Replies: 0 I've been with my current insurance company (Plymouth Rock) for 3 yrs now and just got renewal documentation with new premium going up by 30% (no accidents / violations in the past 6 yrs). The cost increase was pretty disappointing so I decided to see how much a similar policy would cost with other insurance providers. So far I have tried getting quotes from three other companies (Geico / Progressive / Metlife) but all of them had property damage liability of $100k max available through their online tools. My current policy goes up to $250k and I'd like to either stick with that amount or go higher. Any ideas on why other insurance companies have such low limits and if there're any ways to increase them? Thank you!
Insurance Deals
Allstate Auto Insurance Policy Change
Added on : Friday October 17th 2014 07:00:15 AM
g: 0 Posted By: overafter
Views: 84 Replies: 6 My wife and I have had an Allstate Platinum non-cancellable policy for about 10 years. We've maxed out our deductible award, get our 5% back every 6 months, etc. Our agent recently contacted us asking if we want to switch to a credit score based policyand only lose the non-cancellable feature. The agent swears up and down that no one gets cancelled except for DUIs, multiple accidents, etc. We have not had any at fault accidents during this time and only have had 2 windshields replaced for cracking, it is only the 2 of us on the policy and we have no children. Savings over our current plan will be between $800 and $900, or 30-35% of our policy costs. I've asked about all of the questions that I can think of, has anyone else had made this switch or have other input?
Discussion Deals
g: 0 Posted By: peps2004
Views: 112 Replies: 0 I noticed that there are a number of business credit cards that provide primary coverage when renting a car for business purposes so that you can decline the CDW.

We're planning on renting a minivan over Thanksgiving week for a vacation, although I'll also be working while we're there. As the main purpose of the trip is for a vacation, should I assume that the primary coverage wouldn't be included if renting a car using this card, even though some business will be happening on the trip?

I'm trying to decide whether to use this card or pay the $25 for the AMEX coverage.
Credit Deals
Car Accident Question - Rental Car
Added on : Wednesday October 15th 2014 06:00:09 AM
g: 0 Posted By: CalBear07
Views: 43 Replies: 1 Hopefully this isn't to off topic but I feel like FW finance people would know the answer to my question.

I was rear ended last week and the other driver admitted fault immediately. A few days after the accident, I got a call from the driver's insurance (State Farm
) and they said they would take 100% responsibility and I just had to take the car to a shop of my choice to get an estimate and their adjuster would go out to approve the repairs. However, the guy I talked to made it very clear that they would not pay for a rental car for me until the repairs began (i.e. If I drop my car off at a shop on Monday but State Farm
doesnt make it out until Thursday to see the car, I'm SOL for those 3 days and I have to pay for the rental car myself). Does that make any sense and is that common? I'm not trying to rip off State Farm
but how am I supposed to get to work for those days where I don't have a car?

Thanks
Question Deals
Free Kindle Book- Propose, Prepare, Present (was $14.99) & other business
Added on : Wednesday October 15th 2014 04:00:06 AM
g: 3 Posted By: remick
Views: 252 Replies: 1 Propose, Prepare, Present: How to become a successful, effective, and popular speaker at industry conferences
http://www.amazon.com/dp/B00D3VH4KW

Every year, tens of thousands of companiesfrom industry giants to aspiring upstartsapply to speak at conferences. They pump millions of dollars into these events, hoping to find new customers, strengthen their brand, and meet new partners. Sadly, for most of them, things dont go that way. Submitted topics arent chosen; when they are, they come across as tone-deaf sales pitches.

What does it take to be chosen to speakand to rock the mic when given the chance? This book takes you behind-the-scenes of the conference process, showing you how to submit, plan, and deliver a talk that matters. Event organizer Alistair Croll provides many examples based on his experience with a wide range of conferences, including OReillys Strata, Velocity, Web2Expo, and TOC Conferences.

Learn 11 items that help your submission stand outand 11 items that will get it tossed
Explore the hurdles your proposal has to clear before its accepted
Tailor your talk to a conferences topics and themes
Discover why images work better than words in your slide deck
Achieve your business goals by engaging the audience before, during, and after your talk



Powerful Communication: Influence, Persuasion and Communication Skills You Need to Have
http://www.amazon.com/dp/B00L9K6928

Whether you are a business owner, leader, or just about anything else, communication is critical. If your communication abilities are limited, though, your potential for success will also be limited.
In Powerful Communication: Influence, Persuasion, and Communication Skills You Need to Have #1 Best Selling Author Ric Thompson shares proven steps and strategies for how to improve your communication skills and how to use those skills to achieve your goals and live your dreams.



Public Speaking - Simple Tips To Become A Confident And Successful Public Speaker For Life
http://www.amazon.com/Public-Speaking-Confident-Successful-Train...

Youre about to discover how to feel comfortable and fully at ease with public speaking.
Many experts claim that public speaking is a dying art. This is because many people dread standing up in front of a crowd to say their piece. In fact, if they could get away not doing it at all, they probably will. This fear of public speaking breeds a counterproductive mindset that is actually more disadvantageous over the long run.
What is needed is to imbibe the right attitude needed to help you get your debilitating fear of the unknown. To enable you to become a confident and successful public speaker, you need to tell yourself that you are



Informal Learning at Work: How to Boost Performance in Tough Times
http://www.amazon.com/dp/B00B1W1104

Discover how the role of anybody involved with workplace learning, enhancing capability and improving performance MUST change to successfully manage the critical shift in the way organizations need to cater to the learning needs of their employees.
Despite millions spent on training, surveys show that the majority of workers are disengaged and delivering far less than they are capable of. Deliberately harnessing the power of informal learning is the new way to tangibly improve worker capability and performance, right at the point of work.
This book shows you how, using practical advice from workplace learning experts, and examples and case studies from around the world.



How to Pursue an Idea
http://www.amazon.com/dp/B00NCJL7G2

Everybody wants to be an entrepreneur but not everybody knows how to start a business. Did you ever have an idea that seemed good but didn't know how to follow it? Are you having a hard time coming up with ideas that could turn into gold? Well, this book will teach you how to generate ideas, pick the most suitable ones, share them, transform them and then turn them into a moneymaking activity that will go along with a well developed business plan.You'll learn through a step by step process and, hopefully, get motivated enough to make the jump from nothing to SUCCESS!



Capability at Work: How to Solve the Performance Puzzle
http://www.amazon.com/dp/B00NVHO5B4

Many organisations struggle with poor performance. Despite investing in various learning and development initiatives they seem unable to solve the performance puzzle. They cannot get to the real underlying cause of the lack of performance, and so it continues.
Think about it this way - wherever there is poor performance, it is because someone is not capable of doing what needs to be done. Something is stopping them doing the job in front of them.
This book is like a 'Field Guide' that shows you how to operate as a performance consultant, how to identify the root causes of poor performance, and how to collaborate with the operations managers to deal with those root causes.
It is clear that the role of Learning and Development is changing. This is both a challenge and an opportunity for L&D practitioners. The opportunity is yours for the taking!



Actually Useful Accounting
http://www.amazon.com/dp/B00ESUOEW8

Cashflow problems kill more small businesses than anything else. But before you can tame cashflow you have to understand your business: and that means learning basic accounting. Covering everything you need to know from accruals to year-end, Actually Useful Accounting is written by one of the masters of clear explanation: Phil Cohen. Phil started and still runs two consulting firms in Sydney, Australia, and has 30 years experience of what it takes to make a business a success. Contains excellent advice on tax, insurance, invoicing, payment terms, as well as a clear and bulletproof explanation of accounting and its application to running a successful business.



Leadership IS for Everyone
http://www.amazon.com/dp/B00G2BL15Y

Until now, leadership has always been viewed as the purview of a select few - it seems to be more about the "what" these leaders want their subjects to do, rather than the "how-to." That's a mistake, says Vinay Nadig. In this persuasive and pragmatic new book, Vinay makes a case that (a) leadership is accessible to anyone and (b) leadership is a set of sustainable daily behaviors.
He lays out a practical and instantly usable "leadership launch platform" in the form of 20 Leadership Secrets or techniques. These 20 secrets are the foundation of leadership as a way of life - the only real way to perform at an exceptional level.
Read what Marshall Goldsmith, 2 million-selling author of the New York Times bestseller, Mojo and What Got You Here Won't Get You There has to say about "Leadership IS for Everyone":
"In Leadership IS for Everyone, Vinay lays out a vision to achieve exceptional performance and achieve fulfillment at work. His core tenets of doing things rather than being somebody, of sustainable behaviors rather than a belief in hierarchy and title hit the mark in todays workplace. Using a practical workbook-like approach, Vinay leads you through the process of establishing yourself as a leader and then launching into the highest levels of leadership where you focus not just on yourself, but in transforming others. If you are looking to take your performance to the next level and achieve not just your goals but true fulfillment, then reading and using the 20 leadership secrets he shares in this book will prove invaluable."
Books Deals

Amazon Coupons
How do I calculate equivalent salaries between cities?
Added on : Monday October 13th 2014 10:00:06 AM
g: 0 Posted By: usethisemailforcraigslist
Views: 122 Replies: 3 I am currently employed in Champaign, IL. A sleepy town, really. My annual salary is roughly $100k, pre-taxes. I have a wife (not-working) and a 1 year old. We want to move away from the midwest at all costs. I took up this job because I loved it, but I don't like anything outside the job. Horrible city (not a city, more like a village) to live in, absolutely no outdoor activities, for just about anything we have to drive 3 hours to Chicago, Indianapolis or St. Louis, the weather is miserable half the year. Maybe if I was a student in UIUC here, I would have loved it. But otherwise, it plain sucks.

We want to go somewhere where my wife can socialize more, get out and meet people. Given we are Indians, we figured California would be an awesome place. Even places like Houston / Dallas / Austin might do too.

Given I work as a software engineer, I figure it can't be too hard for me to get a job elsewhere. Assuming I do, where do I find information on what an equivalent salary would be to afford an equivalent life style?

I pay around $1000 for rent monthly. I walk to office because it is in walking distance. I have 2 cars, fully paid off. Insurance on them is around $400 or so per year. In general I have a comfortable life style.I am paid bimonthly. I have a HDHP and I pay into my HSA the maximum allowed each month. Max out my 401k with some employer contribution. After all that and my monthly expenses, I get to save around 15-20% of my salary each month. (Occasionally we splurge, vacation, travel to India for family and all that but nevertheless).

So what salary should I be negotiating when looking to move to a proper city? I am guessing cost of living here in this small town is lesser? I am guessing the same salary won't go so far in a real city where I actually have stuff to do on the weekends, as opposed to now where we basically just sit at home and have nothing to do except perhaps go to a park or two?
Personal Finance Deals
Alternatives or non-traditional ways around Obamacare
Added on : Saturday October 11th 2014 09:00:11 AM
g: 0 Posted By: myfrogger
Views: 29 Replies: 1 I'm self employed, healthy, and I was able to keep my grandfathered individual health insurance plan through the end of 2014. I was paying $70/mo before and coverage now is $180-$350/mo. A comparable plan is around $260-$320/mo depending on the company. That's a lot of extra money! If I invested that money over the next 30 years I would have $200k-$250k! I'm interested in how to avoid parting with that money.

So how do I avoid paying the obamacare penalty and then covering my health care needs a different way?
How do I purchase a high deductible insurance and supplement the policy another way?

Some of my ideas:
-- Buy a short term policy (some can go to 364 days) and then buy another short term policy when it expires
-- Enroll in a Christian share program. I've found 3--Medishare, Semaritan Ministries, & Christian Health Care Ministries. Are their others?
-- Buy some sort of supplemental insurance to help bridge the gap. I see all kinds of plans from $10/mo to $250/mo.
-- I read that someone bought a large "medical payment coverage" on their auto insurance to cover injuries while driving. I'm not sure if this works like this but it's an idea worth exploring.
Discussion Deals
Seller Financing a Vehicle
Added on : Friday October 10th 2014 05:00:04 PM
g: 0 Posted By: crazytexan
Views: 83 Replies: 0 I apologize if this has been brought up before. It seems like something FW would have covered, but all I could turn up when searching for it was owner-financed housing. I have a truck that I've been trying to sell for the last few months. The best offers I have had (paying cash) have been around 2k. I wanted $2700. I got an offer from some one I know today for $4000, 1k down, and I finance the rest. I am not hurting for money and if I can suck more money out of this truck then great.

1. What (if any) is my liability if I am the lien-holder on the title? ex: If the driver wrecks the car, does something illegal with it, crashes it into a school for blind orphan kids, etc. I obviously wouldn't want the title in my name, so I figured I would just put a lien on the title as any financial institution would.

2. Any advice on the structuring of the contract? For example, making it easy to Repo if necessary, or something about insurance.

3. Does anyone have any experience with this kind of thing? I know it is a risk, but the $1000 down payment would be more than enough to cover any repo costs, and we are talking about a 60% increase in price, which I think justifies the risk. But I am up for a debate.
Question Deals
Should I take a new job in California?
Added on : Friday October 10th 2014 12:00:05 PM
g: 1 Posted By: me94
Views: 90 Replies: 5 My husband and I are both professionals living in the south. We make a decent living but both work long hours and have a large amount of student loan debt. I recently received a very competitiveoffer from a company in Orange County, California and am trying to see if there's anything I'm missing before we decide to make a move. Right now I work for a small family business and honestly I am the person holding the place together. The company in California is one my current company has done joint projects with in the past, and they want me to come and run their entire west coast operation. This company and my current company are in the same industry but operate in different states, so they do not compete (and to my knowledge, I don't have any "trade secrets" or clients that I would be taking).Still, if I move I will likely burn several bridges in my field and it would be difficult to work in the south or southeast for several years (it's a small field and everyone knows everyone else).

Financial situation:
Me - currently working. Salary: 90k, annual bonus usually around 25-40k.
Husband -currently working. Salary: 70k, annual bonus usually around 10-20k.
2children (3 yrs and 1 yr).
Assets: 2 cars, 2008Honda Accord, 2008 Honda Civic. Will probably replace the civic with a bigger car next year.
IRA: about $75k. No retirement plan at our current jobs.
Savings: about $60k in a CD ladder or savings.

Debt: Student loans, around $380k total. The rate is something like 7.4% (combined), and it's set by the government so we can't refi. Monthly payments are around $4000. No other debt.

Current expenses: Rent: $1050/month for a nice house in the country. This is very expensive for our area, but it's a nice house and we have not been able to qualify for a mortgage due to our DTI ratio. We pay $2400/month for a nanny (including employment taxes), as the only day cares here are religious and we are not members of any local churches. Utilities+phone is around $150 a month, and insurance is around 300.

The offer I have for the new job is $450,000 plus performance bonuses, and I may be able to negotiate that higher. I know the cost of living out west is higher, and taxes are higher (by my calculation, its around 4% higher), but I believe that even taking that into consideration making the move is a net financial positive. (More than that, the new company has several women in management and at the board level, and I feel there would be more room for promotion. I am the first and only woman working at my level at my current job, there are no women in senior management and no women partners.) I have some family in the LA area who have told me to budget around $4-5000 a month for rent on a nice four bedroom house.

My husband would have to quit his job and try and find something out west - that's a big unknown but honestly with the bump in salary, I figure he can take his time looking for new employment. A big factor for me is that the schools here are atrocious (something I can confirm, as I hire high school graduates for unskilled office jobs and they're barely literate). If we stayed here we'd absolutely have to pay for 18 years of private school for the kids. I have been told the Irvine school district has excellent schools. I am leaning towards finishing the year at my current job and moving after the baby is born in the spring but I thought I'd post this for FWF to see if there is anything I'm missing.
New User Question Deals
Auto Insurance with additional Teen Age Driver (VA)
Added on : Thursday October 09th 2014 02:00:06 PM
g: 0 Posted By: senggan
Views: 7 Replies: 0 Hi,

I live in Virginia. My wife and I have 2 cars: 2006 Nissan Altima and 2014 Nissan Altima. We are paying Metlife auto insurance for $1,240 per year now. Metlife told me that if I get my son (18 years old) licensed, the auto insurance will increase to $2,547 per year. I called up Liberty mutual and they offer me $1,693 per year. Traveler insurance is quoting me $1,794 per year. Is this normal?? As far I can tell, the auto insurance are equivalent between all of them. What am I missing??

Thanks in advance.

​senggan
New User Question Deals
2015 Health insurance price hikes
Added on : Wednesday October 08th 2014 06:00:13 AM
g: 0 Posted By: brucesprings
Views: 0 Replies: 0 I need some help withcosts wise which coverage to get. I know without knowing the actual things I will need it can be a gamble but I would like some opinions. I have had the gold plan for years and I insure my 2 kids. This plan is going from $3500 to $6200 which would be around $125 a paycheck. It has a $1200 deductibleand a $4800 co/in max . If I switched to the silver plan my cost would be $1600 with a $3000 deductible and 44500 co/in max . The other difference that I can see is prescription is not covered until you hit co/in max. How does HSA work in relation with FSA as silver works with HSA account where gold does not?
Free Nicotine Patches for Medi-Cal Recipients - California
Added on : Tuesday October 07th 2014 12:00:05 PM
g: 0 Posted By: CatfishKelly
Views: 61 Replies: 0 Call 1-800-No-Butts (1-800-662-8887 7am - 9pm Mon - Fri, and 9am- 5pm Sat and Sun) and have your Medi-Cal ID card ready. Give them promo code 22.

They used to also have a deal where if you sign up to get their smoking cessation package and do a phone interview with a counselor, that they would send you a gift card. I got one a while back, and I think it was for around $25 and I had my choice of a couple of places. I think mine was Wal-Mart. So, ask if they are still doing the gift cards, too.

You do have to have Medi-Cal health insurance to get either one.
Limited Eligibility Deals
Going Without Health Insurance? Feasible Strategy?
Added on : Monday October 06th 2014 06:00:05 PM
g: 0 Posted By: robronson
Views: 1 Replies: 0 I currently pay under $100 for a catastropic plan with $6k deductible that I strategically re-upped in September of 2013 to ensure I'd get coverage through the end of 2014. My insurance company appears to be tripling their rates for the same catastrophic plan in 2015. They probably doubled their rates in 2014 but I "locked in" by getting them in Sep 2013 so I won't feel the full impact of the ACA until January 2015. Of course, my coverage won't be exactly the same. It will now cover pediatric dentistry and substance abuse counseling, both of which I have a less than one in a million chance of needing considering my lifestyle.

I work as a consultant in hospitals and can ask a top physician for medical advice anytime I want, with no copay and no wait, and get a candid answer reserved for friends/family. I also have a background in the field so I know the difference between sick and not sick. Most non-clinical people really don't understand and significantly overuse healthcare. Further, I know what things I'd never submit myself to, such as chemotherapy, and based on my first-hand experience would much rather die than obtain most of so-called "treatments" that most people consider insurance a necessity for.

I keep a $100k medical payment insurance on my car insurance. The riskiest thing I do is drive, and it's the #1 likelihood of me being in a situation that requires expensive medical care that I'm willing to go through.

I have no medical history, take no medications, work out at the gym 4 days a week, eat vegetables, am not obese, and do not smoke cigarettes.

It's my firsthand experience from working at hospitals that insurance is terrible and people have to fight tooth and nail to get things covered. Pre-certification is required for anything expensive. And there's massive waiting periods for insured people because insurance doesn't want to pay for things. So if I needed surgery on something like a torn ACL right now, my insurance might pay in 3 to 6 months. Or I can pay cash out of pocket for the surgery immediately, which is when I need it. It would suck, but I could easily take $50k out of the bank in cash tomorrow to pay for an important surgery if necessary. And if insurance told me to wait 6 months, I'd probably pay out-of-pocket in cash right now to get it done by the best surgeon I can afford, immediately, rather than wait for insurance.

It appears ACA penalties are only collectable out of tax refunds. So, if I only pay enough taxes that I actually owe, and get no refund, then they cannot collect a penalty.

Other than having a patriotic duty to buy health insurance at triple the rate I'd voluntarily purchase it for, what reason is there for me to get health insurance? I'm a serious loss here for why I'd want to buy it.
what saved you the most money this year?
Added on : Monday October 06th 2014 03:00:07 AM
g: 0 Posted By: 1abcdranger
Views: 10 Replies: 0 I got my property insuranced lowered from 2400 to1750. How about you?
General Economics Deals
bankruptcy/new home mortgage
Added on : Sunday October 05th 2014 09:00:25 AM
g: 0 Posted By: bloketion
Views: 19 Replies: 0 had auto accident and due to judgement from bill(s) am in process of chapter 7 bc of judgement lien placed on current home..am looking to purchase another home that is currently handicapped/wheelchair accessible or would require minimal costs to renovate to accomplish that; my current home is 100 yrs old and renovation cost are hightrying to get insurance to invest reno costs into purchase of another home, but if they don't fully pay for the home will have to finance the balancesubstantial $ down, prob 80%, but how unrealistic is it of me to be able to fund mortgage company to finance the remainder

Discussion Deals
g: 1 Posted By: MISTERCHEAP
Views: 167 Replies: 0 Look for the $5 free Kmart GC coupon in the new ad in Sunday papers (wrap around on front page) with a flu shot at their pharmacy.

Flu Shots are free for most with health insurance (usually about $25 otherwise).



https://pharmacy.kmart.com/shc/Mygofer/pdf/Final%20Rx_$5_Giftcard_Flu_Page.pdf

WITH COUPON AND THE
PURCHASE OF A FLU SHOT
While supplies last. Participating stores only. Flu Shot must be purchased between now and 3/31/15. Consumers to pay all required
taxes. This offer is not valid for and cannot be used by any patient who is a beneficiary of a federal healthcare program, such as,
Medicare Part D, Medicare Advantage, Medicare Part B, Medicaid, or TRICARE. Offer not valid in AR, Guam, MA, NJ, NY, or Virgin
Islands. Limit (1) coupon per member. Not valid in combination with any other offer or coupon. Void if acquired from any channel
other than those approved by Sears Holdings, if photocopied or otherwise reproduced and where prohibited by law; any other use
constitutes fraud. Cash value 1/20. Use of this coupon constitutes your acceptance of the Shop Your Way terms and conditions,
available at www.shopyourway.com/terms. *Gift card good towards the next purchase of non-pharmacy merchandise

Gifts Deals

Kmart.com Coupons
Diminished Value after accident
Added on : Friday October 03rd 2014 07:00:08 AM
g: 0 Posted By: releasefoobar
Views: 104 Replies: 0 Sorry for starting yet another diminished value thread but i want to clarify my understanding. I'm pretty sure its not worth the time/money to pursue diminished value in my case but i want to make sure.
State: Maryland
Car: 2005 VW Jetta TDI valued at 9k
I was parked on the street in my neighborhood by my house (residential neighborhood in a city). A tractor trailer came through the neighborhood trying to turn around, got stuck, and side swiped my car. Trucks are forbidden in the neighborhood.
Police were called, they refused to do a report because there was no bodily injury and did not issue the truck driver a citation for being where he shouldn't have been
We got all of his information for the truck and trailer plus his license
We spent several weeks calling to try to file a claim but the truck and trailer had different insurances, and were both rented by different companies and then rented again by a third company, the end result was no one would take our claim and pointed to another company to call. After a month of trying, I called my insurance company, explained the issue, and they suggested that at this point i should file with them (my own insurance), get the car fixed, and they will pursue the driver for the damage.
Fast forward a few months. My car is fixed and the bill was 3k.
My understanding is that if i want to pursue diminished value i would have to sue the truck driver directly instead of requesting it from my insurance company or whatever company ultimately ends up paying the claim? It is also my understanding that the car is too old to bother with diminished value?
Discussion Deals
Homeowner's Insurance issues...
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: skwiggey
Views: 73 Replies: 4 Couple of questions for homeowners. Have you had your insurance company force you to carry more insurance than you "need" or want? Mortgage balance is less than $130k, house is worth $160k tops, insurance company says cost to rebuild is almost $250k, so they won't insure for less. I don't think it'd cost that much, but I'm not a builder. This increases my premium (over $3k now) and makes my deductible higher since it's a percentage of the policy limits. Also, now they are requesting an "animal exclusion" form to be signed. I'm trying to get more details on this, but I have an 18lb mini-Schnauzer. Seems a little extreme to me.
Details:
Location - SE Lousiana
House is just under 1700 sq ft
Other insurance companies are not really an option. I've tried but no one else wants to write a policy on a raised house over 4ftoff the ground. I'm at around 10ft.

Personal Finance Deals
Stillwater Insurance
Added on : Thursday October 02nd 2014 08:00:39 AM
g: 0 Posted By: bluegreenturtle
Views: 149 Replies: 1 Does anybody have any experience with Stillwater Insurance for Auto/umbrella? A broker (who's independent of them) emailed me quotes and they were literally half what my State Farm amounts are for premiums, same coverage. I know they used to be part of Fidelity but rebranded.
General Economics Deals
g: 0 Posted By: priyacg
Views: 81 Replies: 0 Vizio XMF1000-B Quick Install Slim 32" - 55" HDTV Mount, Supports up to 100 lbs -refurbished $19.99 shopdivvy via eBay

http://www.ebay.com/itm/Vizio-XMF1000-B-Quick-Install-Slim-32-55...

The VIZIO XMF1000 Quick Install Slim HDTV Mount utilizes a modern, smart design to support 32 to 55 TVs up to 100 pounds. Installation is fast, easy, and secure, thanks to a simple crossbar and hook combination. Your HDTV can be mounted flush against the wall or at a 4 or 10 tilt. And because the mount is only 1 thin, your TV will be the center of attention, not your mount. This mount also includes $10,000 component insurance.
Supports 32 to 55 TVs and up to 100 lbs
Modern, smart design-less than 1 thin
Quick and easy set up
Mounting hardware included
Recertified 90-day Vizio warranty
Large kickstand flips to provide an upward tilt for easy cable access on the back of the TV
Small kickstand flips the TV in a flash to position against the way
Anti-Theft Device screw bolt prevents the TV from being removed from the mount
This listing is for mount only
Vizio Deals

eBay Coupons
Question on health insurance -- layoff versus resign
Added on : Tuesday September 30th 2014 06:00:11 PM
g: 0 Posted By: bbway
Views: 0 Replies: 2 I know that lay off is considered an event and I can then change my benefit selection. However, if hubby decides to resign next year, and no new jobs, can I change my benefit in middle of next year? Anything I need to show to my employee that my husband changed from employed to unemployed?

Thanks
Question Deals
How's 2015 Insurance premiums looking you all?
Added on : Tuesday September 30th 2014 03:00:13 AM
g: 0 Posted By: nic3456
Views: 2 Replies: 0 Benefits enrollment for 2015 started today at my work - Fortune 50 company - 18% increase in health insurance premiums - same coverage as this year. I've been here 15 years and its the largest annualincrease we've ever had
g: 1 Posted By: totesmagotes
Views: 86 Replies: 4 Hello Fatwallet, longtime lurker here.

Yesterday my car got hit while it was parked in a parking lot, (driver side back quarter panel). The who hit me left a note with his contact info. How do I proceed with this? Once I call him, should I make sure this is done through his insurance? What if he wants to pay for fixing it with cash outside of filing a insurance claim? Which would be the best route for me to go? Whats the process of a situation like this? I'm new to situation like this and am not sure exactly how it should go.

Also, any autobody repair people here? Its a 17 year old, Honda Del Sol, (I know, I know, it's not a Crown Vic... but I've owned many CV's in the past haha!). With my paint being this old, will the autobody shop be able to match the damaged area paint, (once fixed), with the rest of my car?

Thanks to anybody who responds!

Question Deals
Investment Property - foreclosed home - need advice with home insurance
Added on : Saturday September 27th 2014 10:00:08 AM
g: 0 Posted By: magicking
Views: 43 Replies: 2 Hello FW,

I'm planning on purchasing an investment property - a foreclosed home (bank owned). It needs around 10k worth of work - so that it can be live-able. I'm closing in couple of weeks. Then going to start the renovation process.

My real estate agent says buy the house, then fix it and then get the home owners insurance. Is this a normal procedure for foreclosed home that needs to fixed?

I contacted an insurance agent and they gave me a quote and want my inspection report to review and actually proceed further.

i need your expert advice on how to proceed should I show provide my inspection report and get insurance at the time of closing or should I get insurance after fixing the property.

thanks in advance for your response.


Insurance Deals
Help With Finding Insurance Broker
Added on : Friday September 26th 2014 03:00:09 PM
g: 0 Posted By: scottybweyy
Views: 41 Replies: 0 I have tried locally with a few brokers in SC with very poor results. Three times I feel like I received poor customer service. After a week of waiting for quotes, I still hadn't received any updates and after pinging for a few more days I would just ask them to cease shopping and moving on.

I'm looking to potentially bundle homeowners, flood, auto, and umbrella. Are there any decent online brokers you would recommend?
Insurance Deals
Car "dinged" by rocks from a dump truck on highway
Added on : Friday September 26th 2014 08:00:18 AM
g: 0 Posted By: raringvt
Views: 85 Replies: 5 On my way back from lunch, I found myself behind a dump truck on the highway--as the title says, my car got dinged when the truck changed lanes & "rained" little dime sized rocks down onto the road, which bounced and hit my car. I got the license plate #, the company name from the side of the truck & tried to signal to the driver to pull over, but to no avail. I got off at my exit & assessed the damage.There are probably 5-6 small nicks in the paint on the hood & front part of the roof that I am certain are from this incident (I'm pretty anal about my car--so I would notice). Ireported the incident to the state police (VA) and they told me to contact my insurance company (State Farm)to file a claim. They provided me an 'incident number.'

I'm not sure how to proceed--I don't really want to file a claim through my insurer because the damage is somewhat minor and the costs of repair probably do not outweigh the potential for premium hikes and if my deductible were not recovered from the hauling company, it would all be out of pocket. I also have a pending homeownders claim for more serious water damage that is not yet resolved...so it would just feel weird to file another claim of any type. Would my best course of action be to contact the hauling company directly and see if they are willing to pay for the damages or file through their insurance? I'm sure they get crap like this all the time, and my guess would be they'll tell me to pound sand. I'm just pissed because of the (somewhat) diminished value of my vehicle due to their negligence in not securing their load properly.

Any advice is much appreciated.
Personal Finance Deals
g: 1 Posted By: remick
Views: 144 Replies: 0 Joyful Momma's Guide to Shopping & Cooking Frugally
http://www.amazon.com/gp/product/B0077H7NNQ
4.4 out of 5 stars (48 customer reviews)

Have you noticed the cost of groceries absolutely skyrocketing?
As the cost of feeding our families well on a tight budget continues to climb ever higher, we need to reevaluate how we spend the money in our grocery budget. Thats where Joyful Mommas Guide to Shopping & Cooking Frugally comes in.
If youre like me, youve been frustrated by the rising prices of groceries, while the family income either remains the same or goes down. It seems like everyone is looking for ways to cut back on their grocery bill.
Let me help you learn how to save big money at the grocery store with some simple and easy-to-implement tips!

☑ Do you wonder how some people seem to save big money with coupons while coupons only seem to make you spend more? (See page 26)
☑ Do you always seem to go over budget when grocery shopping? (See page 40)
☑ Are menu planning and making a shopping list overwhelming you? (See page 18)
☑ Does your menu plan go out the window after husband and children snack on vital ingredients? (See page 23)
☑ Are you struggling with managing or losing weight while keeping with a super tight budget? (See page 80)
☑ Is the challenge of breaking free from using pre-packaged foods overwhelming you? (See page 57)
☑ Do you find yourself frustrated with the challenge of making your frugal meals flavorful and healthy? (See page 53)
☑ Is the time crunch keeping you from cooking from scratch, couponing, and planning? (See page 66)
☑ Do you struggle with feeling overwhelmed and depressed over the challenges the economy is bringing to your family? (See page 5)

All of these questions (and more) are answered in Joyful Mommas Guide to Shopping & Cooking Frugally. I wrote most of this book based on real life questions Ive gotten on Twitter, Facebook, and email about saving money at the grocery store, so it is geared towards answering real world questions.



The Walgreens Drugstore Game: Strategies to Turn Pocket Change into Thousands of Dollars' Worth of Free Products
http://www.amazon.com/dp/B00FLBV228/
4.4 out of 5 stars (12 customer reviews)

This is the Book Walgreens Prefers You Wouldnt Read
For less than the cost of one razor (which you will score for free over and over again using the tactics in this book), learn how to legally walk out of Walgreens with lots of free products using their own currency: Register Rewards and Balance Rewards Points.



The Everyday Cookbook: A Healthy Cookbook with 130 Amazing Whole Food Recipes That are Easy on the Budget
http://www.amazon.com/gp/product/B00C89GS1Q
4.2 out of 5 stars (14 customer reviews)

In my family we are no strangers to stretching the dollar, living in an ex-Communist country that is still one of the poorest within the EU. We are always living paycheck to paycheck, so we find the cheapest ways possible to cook meals that will feed our family of five. Our favourite recipes are strongly influenced by traditional cuisine and contain a lot of simple, hearty foods. When I think about it, every meal in my house is a comfort food and is also cooked with the budget in mind.
The Everyday Cookbook: contains some great tips on cooking on a budget as well as 130 recipes for savory soups and stews, satisfying salads, hearty casseroles and delicious desserts.



Ultimate Spartan Budgeting and Minimalism: How to Save Money, Increase Productivity and Live Simply
http://www.amazon.com/dp/B00NQHE15O

Have you wanted to save money, but youre not sure how? This book is a hard hitting system to apply principles of the ancient Greeks to cut out anything thats wasteful and focus entirely on fulfilling your Master Plan, whether that involves getting out of debt or traveling the world.



The Hard Times Kitchen: Homestyle Recipes for a Small Budget
http://www.amazon.com/Hard-Times-Kitchen-Homestyle-Recipes-ebook...

Chock-full of homestyle recipes that are perfect for the budget-minded cook, These frugal, yet delicious recipes are prepared with just a handful of easy to find ingredients. More than 40 easy recipes including Beef & Butternut Squash Stew, and Pennsylvania Dutch Pot Pie - plus lots of tips helpful money-saving tips. With an emphasis on unprocessed foods, and simple, from-scratch cooking, The Hard Times Kitchen Homestyle Recipes on a Small Budget is sure to please both the experienced home cook and the beginner alike.



Couples Money - What Every Couple Should Know About Money and Relationships
http://www.amazon.com/gp/product/B005LXW7UW/
4.7 out of 5 stars (29 customer reviews)

Couples Money - What Every Couple Should Know About Money and Relationships is written by a married couple in the financial serives industry, Marlow and Chris Felton. They share their personal story of financial transformation and insights they have gained from thousands of couples they have worked with over the last 12 plus years.
Couples Money is an introspective look at a leading cause of divorce; money. Most couples think they are alone in their financial struggles and they have the stories to prove they are NOT! Marlow and Chris help couples get on the same page with easy to follow concepts and action steps they have personally seen work. They believe they have the cure for "financial cancer" that plagues many couples and share their stories to help save millions of relationships.



Zero Waste Minimalism & Homesteading Basics Box Set: Increase your Happiness by Reducing your Waste; How to Build a Life of Self Sufficiency
http://www.amazon.com/Zero-Waste-Minimalism-Homesteading-Basics-...

Youre about to discover how tolive life to the fullest without the burden of material possessions! Minimalism is a lifestyle that promotes self-reliance while encouraging individuals to enjoy every moment, indulge their passions, live debt-free and own all the basic necessities of comfortable and content living! In this book, youll learn of the first few steps towards a minimalistic lifestyle, eliminating waste in your life and living an intentional existence.



Find A Penny: A Financial Journey
http://www.amazon.com/Find-Penny-Financial-Donna-Sako-ebook/dp/B...

This book a journal of those personal experiences and the lessons learned. After reading a multitude of economic, financial, and professional books on investing, insurance, budgets, saving, and retirement, I realized nobody was showing the reality or results of what really may happen in life. This book is written to entertain and share ideas and information of what I found to be the best and worst of that advice.

Totally Free Deals
Starting a home-based business and registering DBA/FBN
Added on : Wednesday September 24th 2014 01:00:09 PM
g: 0 Posted By: scripta
Views: 17 Replies: 0 My friend (no, really) is starting a home-based business. She will make high end soap (not really, but close enough) in her home and sell it online or directly to friends and family. I'm helping out with the technology, finance, and business side of things. I have a few questions for the FWF gurus:

1) Insurance. In the highly unlikely event of someone getting a rash from using my friend's premium organic hypoallergenic soap and raising a stink as a result, my friend probably needs some kind of business liability protection or other separation from personal liability. Unfortunately she lives in CA, and I don't think its worthwhile to pay $800/yr minimum LLC tax, especially since she's just starting out. Would a Business Liability coverage (a few hundred K?) added to her Homeowner's Insurance policy suffice? Again, this is a cosmetic product with clearly listed ingredients, so I'm not even sure this is necessary.

2) Business name and location. Assuming she runs the business as a sole proprietorship, I think she needs to be able to accept payments in a name that isn't her own. I'm a also big proponent of personal privacy, so I want to find out if she can keep her home address out of public record. In order to make this happen, I think the following steps are required:
2.a) Get an EIN and a private mailbox (PMB). The PMB will be used for all business related communications.
2.b) Get a Doing Business As (DBA) or Fictitious Business Name (FBN) through her county (is this right, or can she get one elsewhere?)
2.c) Open a business checking account with the EIN+DBA/FBN registration.

Unfortunately, step 2.b requires the business owner to (1) provide the principal place of business on the registration form and (2) publish a notice in the newspaper, so this becomes public record (twice). What would / could happen if she listed the PMB as the principal place of business?

Sorry, no pics. "Soap" was not used as a euphemism.

Thanks in advance for any answers, advice, and suggestions.
Walmart / Green Dot Team to Offer Checking Accounts
Added on : Tuesday September 23rd 2014 04:00:24 PM
g: 0 Posted By: NEDeals
Views: 2 Replies: 0 It looks like WalMart might finally meet its goal of offering banking services. Its new relationship with Green Dot allows it to sidestep federal regulators who didn't want WalMart becoming a bank.
(NY Times) After years of thwarted efforts to break into banking, Walmartis making its biggest foray yet into everyday financial services.WalMart, the nations largest retailer, is teaming up with Green Dot,known for its prepaid payment cards, to supply checking accounts to almost anyone over 18 who passes an identification check.Daniel Eckert, senior vice president at WalMart, said on Tuesday that the accounts would be available nationwide by the end of October. The accounts are intended to be low-cost alternatives to traditional bank checking accounts, with no fees for overdrafts or bounced checks and no minimum account balance.In comparison, a basic checking account at Citibank charges $12 if a check is returned and $34 for overdrafts.Green Dot accounts with direct deposits of less than $500 a month will cost $8.95 a month. Mr. Eckert said that most people on Social Securityor fixed pensions would qualify.GoBank, as the service is known, is part of WalMarts long-running push into financial services for people with little or no access to traditional banking. In recent years, many banks have reduced services to those with weak credit. According to the Federal Deposit Insurance Corporation, an estimated 10 million households in the United States do not use a bank.

New York Times article http://www.nytimes.com/2014/09/24/business/finding-a-door-into-b...
Health Insurance Premium Increase?
Added on : Monday September 22nd 2014 07:00:07 PM
g: 1 Posted By: SinbadS
Views: 158 Replies: 1 I don't want to blog here but I am attaching some recent articles from NY Times for reference. I have a catastrophic plan with HealthNet and I called to see if they are going to raise the premium and they said there is no plan at this time. I joined this private plan following ObamaCare turmoil. My question is: Do you think the premiums will be raised as I read a lot that many insurers are planning to do so?

In Context, Health Premium Increases Don't Actually Look Like Increases
With New Health Law, Shopping Around Can Be Crucial
Health Law Has Caveat on Renewal of Coverage
Limiting Choice to Control Health Spending: A Caution
Discussion Deals
Health care new enrollment
Added on : Monday September 22nd 2014 06:00:19 AM
g: 0 Posted By: samandy
Views: 58 Replies: 0 All,

I am self employed and was having my family's insurance cost sky rocketed to 3.5 times from Dec 3rd 2014 bu Assurant /Aetanna( I was carrying Old plans)
I saw better prices on health exchange last year for new plans. I understand enrollment starts from Nov 15 this year. But when the coverage will start?
Also I saw lot of complaints from people for delays in processing when bough through exchange. SO is it better to check price on exchange and directly go to providers's website?

Thanks for your input!

Personal Finance Deals
Unemployment Insurance For the Single-Employee S-Corp
Added on : Sunday September 21st 2014 11:00:10 AM
g: 0 Posted By: robronson
Views: 57 Replies: 1 I'm considering W2ing my consulting work through an S-Corp I form in 2015. I understand I'll have to pay up to around $500 for FUTA (unemployment insurance taxes) to state and federal levels.

Suppose after 6 to 12 months of working, I can't find any more consulting contracts, either permanently or temporarily. Once I hit the required number of quarters for UI, can I submit and start collecting? This seems ripe for abuse. What's to stop someone from submitting a UI claim, even though they have possible gigs, but want to take a vacation paid for by UI? In general, the employer has to attest that there's no work for the employee. But since you're both the employer and the employee in this case, it seems like the UI People might not be too thrilled to pay out.

While I don't "need" UI money, if I'm required by law to pay into FUTA, then I will expect to submit a UI claim, as soon as I'm legally eligible, given a lack of consulting work. Assuming I work enough quarters to get some kind of payout, I would like to file a claim immediately, if only to recoup my FUTA tax.

Anyone have experience filing UI claims under these circumstances?
Question Deals
Free AllClear PRO credit monitoring from Home Depot
Added on : Sunday September 21st 2014 10:00:08 AM
g: 0 Posted By: jltx114
Views: 34 Replies: 0 The Home Depot is truly sorry for any inconvenience caused by this incident and we are committed to taking steps to protect your payment card information.If you need identity repair assistance during the next 12 months, starting on September 8, 2014, the team at AllClear ID is ready and standing by to assist you. There is no action required on your part at this time. If a problem arises, simply call 1-855-252-0908 and a dedicated investigator will do the work to recover financial losses, restore your credit, and make sure your identity is returned to its proper condition.For additional protection, affected U.S. customers may enroll in the AllClear PRO service and affected Canadian customers may enroll in the Equifax Premier service at no cost to them at any time during the next 12 months. These services are available through September 19, 2015, and include credit monitoring and an identity theft insurance policy.You are eligible to receive these services if you used a payment card at one of The Home Depots stores in 2014, from April on.For additional details or questions regarding this incident, please visithttp://www.homedepot.com.https://homedepot.allclearid.com/
Totally Free Deals
Free Rental Car Credits And Damage Waivers
Added on : Sunday September 21st 2014 07:00:15 AM
g: 0 Posted By: robronson
Views: 33 Replies: 1 It's my understanding that credit cards only offer their damage coverage if you pay for the full rental on the card. One "trick" I've heard is to book a rental with your credit card that offers the best reward points (2% Cash Back, perhaps), and if you damage the vehicle, when you return it, ask them to change the credit card payment to a card that offers a better rental car insurance coverage.

What are thoughts on using the "free rental car credits" that you earn from renting cars? For those not in the know, these are like frequent flier points, but only good for rental cars. My concern is if I take a trip, and use a free rental credit for even one of the days, then the credit card won't cover any insurance claim, even on days paid for by the credit card.

Further, if I pay for a whole trip using free rental credits, then obviously my CC won't cover anything. Given that the rental car company's damage waivers cost 1/3 to 1/2 of the rental per day, if I have to pay for their coverage while using the free credits, it makes the free credits nearly worthless.

Can I book a trip using free credits and if I damage the car, ask them to switch to a credit card payment at the end of the trip? I doubt that's possible, but it's the only thing I can think of.

What are the FWF-approved ways of safely using these free rental car days?
Discussion Deals
Viator Credit Card Data Breach
Added on : Friday September 19th 2014 06:00:17 AM
g: 0 Posted By: burgerwars
Views: 94 Replies: 0 Viator is a website where you can book vacation tours.

September 19, 2014Dear Viator Customer

We want to make you aware that Viator has experienced a data compromise that could potentially affect payment card data used to make bookings through Viator's websites and mobile offerings. If you have created a Viator account, this compromise may also affect your email address, password and Viator "nickname." We deeply regret any inconvenience this may cause. The protection of our customers' personal information is of paramount concern. We are dedicating all the resources necessary to investigate and resolve this incident.

We have alerted the credit card companies and law enforcement, in addition to taking appropriate steps to secure our systems. We are writing to make you aware of the occurrence so that you can also monitor your accounts as a prudent measure, and take any other precautions you believe may be appropriate. We are offering our customers in the U.S. free identity protection services, including credit monitoring.

Meanwhile, we are continuously working to strengthen our security measures to help minimize the potential for incidents of this nature in the future. While our investigation is ongoing, here is some important information to be aware of.

What Happened:
On September 2, we were informed by our credit card service provider that unauthorized charges had been made on a number of our customers' credit cards. We have hired forensic experts, notified law enforcement and we have been working diligently and comprehensively to investigate the incident, identify how our systems may have been impacted, and secure our systems. Although our investigation is continuing, we currently believe that some forms of your data may be affected by the compromise. This information includes encrypted credit or debit card number, along with card expiration date, name, billing address, email address and, if you have created a Viator account, the associated email address, encrypted password and Viator "nickname." At this time, we have no reason to believe that the three or four digit value printed at the back or front of your card was compromised. Additionally, debit PIN numbers are not collected by Viator and could therefore not be compromised.

Steps You Can Take To Further Reduce Your Risk of Identity Theft/Fraud:
We recommend that all affected customers monitor their card activity and report any fraudulent charges to their credit card company. It is always a good practice to review your credit and debit card account statements regularly for suspicious activity. If you notice suspicious activity involving your account, please report it immediately to the appropriate financial institution or credit card company. You will not be responsible for fraudulent charges to your account if you report them in a timely manner.

To assist our customers in the U.S., we are offering free identity protection services, including credit monitoring. More information on that offer is below.

Additionally, we encourage you to reset your Viator password the next time you sign in to your Viator account, and change it on any other sites where you used the same password.

To change passwords on the Viator site, click on the "Change Password" on the "My Profile" tab, once signed in. Here are some tips to help you create a strong password: (1) make sure your password is at least six characters in length; (2) combine numbers and letters and dont include commonly used words; (3) include punctuation marks; and (4) mix capital and lowercase letters. It is also advisable to use a different password on different sites.

If you have questions related to this situation, you can contact us anytime through our dedicated toll-free information helpline at 888-680-0710 or at 702-939-9819. 1

Responding properly to this incident is our top priority, and we are committed to taking all appropriate steps to safeguard your personal information. For over 10 years, Viator's mission has been dedicated to offering travelers the best tours and activities worldwide, and to delivering a superior experience in all our customer interactions. That mission continues. We deeply regret any inconvenience or concern this may cause you and we thank you for your patience as we continue our investigation. We are focused on doing everything possible to maintain your trust so that we can continue to serve you in the future.

Sincerely,

Barrie Seidenberg
CEO, Viator creative_images_transparentspacer.gifcreative_images_transparentspacer.gifcreative_images_spacer.gifSteps You Can Take To Further Protect Your Information creative_images_transparentspacer.gifcreative_images_spacer.gifReview Your Account Statements
As a precautionary measure, we recommend that you review your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or any suspected incidence of identity theft to proper law enforcement authorities, your state attorney general, or the Federal Trade Commission. In some states, you may also obtain a police report regarding this incident.

Free Credit Monitoring
To help protect your identity, we are offering a complimentary one-year membership of Experian's ProtectMyID Alert. This product helps detect possible misuse of your personal information and provides you with superior identity protection support focused on immediate identification and resolution of identity theft.

Activate ProtectMyID Now in Three Easy Steps
1. ENSURE That You Enroll By: December 31, 2014 (Your code will not work after this date.)
2. Visit the ProtectMyID Web Site to enroll: www.protectmyid.com/redeem
3. PROVIDE Your Activation Code:

If you have questions or need an alternative to enrolling online, please call 866-926-9801 and provide engagement #:

Additional details regarding your 12-month ProtectMyID Membership:

A credit card is not required for enrollment.

Once your ProtectMyID membership is activated, you will receive the following features:

Free copy of your Experian credit report
Surveillance Alerts for:
creative_images_spacer.gif o Daily Bureau Credit Monitoring: Alerts of key changes & suspicious activity found on your Experian, Equifax and TransUnion credit reports. creative_images_spacer.gif Identity Theft Resolution & ProtectMyID ExtendCARE: Toll-free access to US-based customer care and a dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish for seamless service. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies.
creative_images_spacer.gif o It is recognized that identity theft can happen months and even years after a data breach. To offer added protection, you will receive ExtendCARE, which provides you with the same high-level of Fraud Resolution support even after your ProtectMyID membership has expired. creative_images_spacer.gif
$1 Million Identity Theft Insurance2: Immediately covers certain costs including, lost wages, private investigator fees, and unauthorized electronic fund transfers.

Once your enrollment in ProtectMyID is complete, you should carefully review your credit report for inaccurate or suspicious items. If you have any questions about ProtectMyID, need help understanding something on your credit report or suspect that an item on your credit report may be fraudulent, please contact Experians customer care team at 866-926-9801.

Credit Report Monitoring
You may obtain a free copy of your credit report from each of the 3 major credit reporting agencies once every 12 months by visiting http://www.annualcreditreport.com, calling toll-free 877-322-8228, or by completing an Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. You can print a copy of the request form at
http://www.consumer....equest-form.pdf.
Or you can elect to purchase a copy of your credit report by contacting one of the three national credit reporting agencies shown below.
creative_images_spacer.gifEquifax
(800) 685-1111
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374
creative_images_spacer.gifcreative_images_spacer.gifExperian
(888) 397-3742
www.experian.com
535 Anton Blvd., Suite 100
Costa Mesa, CA 92626
creative_images_spacer.gifcreative_images_spacer.gifTransUnion
(800) 916-8800
www.transunion.com
P.O. Box 6790
Fullerton, CA 92834
creative_images_spacer.gif
Additional Free Resources on Identity Theft
You may wish to review the tips provided by the Federal Trade Commission on how to avoid identity theft. For more information, please visit http://www.ftc.gov/idtheft or call 1-877-ID-THEFT (877-438-4338). Maryland residents may also wish to review information provided by the Maryland Attorney General on how to avoid identity theft at http://www.oag.state.md.us/idtheft, or by sending an email to idtheft@oag.state.md.us, or calling 410-576-6491. North Carolina residents may wish to review information provided by the North Carolina Attorney General at http://www.ncdoj.gov, by calling 877-566-7226, or writing to 9001 Mail Service Center, Raleigh, North Carolina 27699.

Fraud Alert
You may consider placing a fraud alert on your credit report. This fraud alert statement informs creditors of possible fraudulent activity within your report and requests that the creditor contact you prior to establishing any accounts in your name. To place a fraud alert on your credit report, contact any of the three credit reporting agencies identified above. Additional information is available at http://www.annualcreditreport.com.

Security Freeze
In some U.S. states, you have the right to put a security freeze on your credit file. This will prevent new credit from being opened in your name without the use of a PIN number that is issued to you when you initiate the freeze. A security freeze is designed to prevent potential creditors from accessing your credit report without your consent. As a result, using a security freeze may interfere with or delay your ability to obtain credit. Additionally, if you request a security freeze from a consumer reporting agency there may be a fee up to $10 to place, lift, or remove the security freeze; however, this fee may be less in certain states (in MA, up to $5). In order to place a security freeze, you may be required to provide the consumer reporting agency with information that identifies you including your full name, Social Security number, date of birth, current and previous addresses, a copy of your state-issued identification card, and a recent utility bill, bank statement or insurance statement. You must separately place a security freeze on your credit file with each credit reporting agency.
Discussion Deals
travel insurance to apply for Schenegen Visa
Added on : Thursday September 18th 2014 07:00:13 AM
g: 0 Posted By: raygine4
Views: 63 Replies: 1 Hi,

Where to buy a cheap travel insurance to apply for Europe Visa?
Question Deals
ACA out of pocket / co-pay question
Added on : Thursday September 18th 2014 05:00:11 AM
g: 0 Posted By: BrianGa
Views: 71 Replies: 3 This is a little convoluted, but I hope I explain this clearly enough for someone with ACA expertise to opine.

The affordable care act now requires that insurance plans count co-pays toward out of pocket maximums.

My employer provided a healthcare plan ("old healthcare plan") from 1/1/14 to 8/1/14. That plan did not yet include the provision above.

My employer replaced the old healthcare plan with a new healthcare plan, which does include the provision above. The new healthcare plan has "carried over" my out of pocket maximum balance from the old healthcare plan for 2014, but did not include the co-pays that I incurred while covered under theold healthcare plan.

Is the new healthcare plan required to include in myout of pocket maximum balance the co-pays that I incurred under myold healthcare plan earlier this year?

Thanks.

Personal Finance Deals
Disability for new Physicians
Added on : Thursday September 18th 2014 04:00:15 AM
g: 0 Posted By: liynus
Views: 9 Replies: 0 long time lurker - 1st time poster

I'm 33 have a young family and about to start making a significant salary (hopefully) as a physician next summer. I'm interested in the groups thoughts on disability and also life insurance.

I'm at a lost for how much per month I should be paying - what kind of coverage I should get.

Currently I am relatively healthy, and my salary is one of a resident physician ~ 60-70K.

Should I seek coverage before I start a new job, or wait? If so, where are good places/companies to seek quotes?

Thanks
Personal Finance Deals
Free Food Insurance emergency food sample
Added on : Wednesday September 17th 2014 11:00:10 PM
g: 3 Posted By: remick
Views: 119 Replies: 3 http://www.foodinsurance.com/freesample
Totally Free Deals
Overfunded Life Insurance - Good Bad?
Added on : Wednesday September 17th 2014 12:00:15 PM
g: 0 Posted By: tomime
Views: 33 Replies: 2 So I know some but not a whole lot and got myself into the overfunded life insurance. Now I wish to know what I REALLY got into w/o all the communication flowing from my advisor.

So I already maxed out my ROTH and 401K. I have plenty of money sitting in my bank and a friend of my suggested the overfunded life insurance. Initially it looks good, pay now and reap in later. But during my 3rd meeting (3rd year btw), my advisor asked me to open up a 2nd overfunded life insurance for the extra fund that I got from my promotion (equates to around 5k more per year after tax). I felt a little uneased buying TWO life insurance and started to question myself. Thoughts?
Question Deals
g: 0 Posted By: st4rdust
Views: 381 Replies: 0 HSN has theToo Faced Everlasting Chocolate Set w/ Shadow and Primeron sale for $49.00 - new customer coupon code "20NEWSUMMER" =$29.00. Shipping is free.

If you're not a new customer, you can use coupon code ""14205" to take $5.00 off a purchase of $25.00 or more, making your total $44.00 with free shipping.

4.7/5 stars based on 922 customer reviewsat Sephora.

Antioxidant-rich, cocoa powder-infused, high-pigment formulas
Delicious cocoa scent
Gilded Ganache - dark espresso with gold sparkle
White Chocolate - creamy beige matte
Milk Chocolate - muted brown matte
Black Forest Truffle - plum chocolate with golden sparkle
Triple Fudge - deep gray brown
Salted Caramel - soft fawn matte
Marzipan - rose gold pearl
Semi-Sweet - medium brown matte
Strawberry Bon Bon - soft pale pink matte
Candied Violet - deep orchid with pink sparkle
Amaretto - deep pinky bronze
Hazelnut - metallic hot chocolate
Creme Brulee - antique gold pearl
Haute Chocolate - medium bronze brown
Cherry Cordial - deep plum brown with purple sparkle
Champagne Truffle - ballet slipper pink pearl


Shadow Insurance:

Helps lock down eye shadow pigments for amazingly long,water-resistantwear
Anti-creasing formulahelps eye products apply smoothly
Skin-smoothing formulahelps even out the look of the skin tone on lids
Helps smooth the appearance of lines
Use with powder or cream eye shadows
Concentrated formula meansan amount the size of a rain drop covers the entire lid




Makeup Deals

HSN Coupons
g: 0 Posted By: st4rdust
Views: 166 Replies: 0 HSN has theToo Faced Everlasting Chocolate Set w/ Shadow and Primeron sale for $49.00 - new customer coupon code "20NEWSUMMER" =$29.00. Shipping is free.

If you're not a new customer, you can use coupon code ""14205" to take $5.00 off a purchase of $25.00 or more, making your total $44.00 with free shipping.

4.7/5 stars based on 922 customer reviewsat Sephora.

Antioxidant-rich, cocoa powder-infused, high-pigment formulas
Delicious cocoa scent
Gilded Ganache - dark espresso with gold sparkle
White Chocolate - creamy beige matte
Milk Chocolate - muted brown matte
Black Forest Truffle - plum chocolate with golden sparkle
Triple Fudge - deep gray brown
Salted Caramel - soft fawn matte
Marzipan - rose gold pearl
Semi-Sweet - medium brown matte
Strawberry Bon Bon - soft pale pink matte
Candied Violet - deep orchid with pink sparkle
Amaretto - deep pinky bronze
Hazelnut - metallic hot chocolate
Creme Brulee - antique gold pearl
Haute Chocolate - medium bronze brown
Cherry Cordial - deep plum brown with purple sparkle
Champagne Truffle - ballet slipper pink pearl


Shadow Insurance:

Helps lock down eye shadow pigments for amazingly long,water-resistantwear
Anti-creasing formulahelps eye products apply smoothly
Skin-smoothing formulahelps even out the look of the skin tone on lids
Helps smooth the appearance of lines
Use with powder or cream eye shadows
Concentrated formula meansan amount the size of a rain drop covers the entire lid




Makeup Deals

HSN Coupons
g: 0 Posted By: LongDongSilver
Views: 0 Replies: 0 "OFFER DETAILS
Get a one-time $5 statement credit by using your enrolled Card to spend a total of $15 or more online at WalMart.com by 11/30/2014.

TERMS
Offer valid online only at WalMart.com. In-store transactions are excluded. Offer valid for the US website only. Offer not valid on gift card reloads and prepaid cards. Purchases of contact lenses through walmartcontacts.com are excluded. Money transfers done through WalMart.com, WalMart.Moneygram.com, are not included. Pay with Cash, PayPal and BillMeLater transactions are excluded. Phone and catalog orders are excluded. Auto Insurance is excluded. If you order an item during the offer period but it is not sent to you until after 11/30/14, it may not count towards determining whether your purchase qualifies for the offer. Enrollment is limited. Must add offer to Card and use same Card to redeem. Limit 1 statement credit per American Express Card across all American Express offer channels. Statement credit will appear on your billing statement within 90 days after 11/30/14, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you will not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. POID: BK58:0001"
Spouse wants hobby account how to do it?
Added on : Monday September 15th 2014 01:00:08 PM
g: 0 Posted By: MoneyOCD
Views: 881 Replies: 46 Changed "allowance" to "hobby account" to eliminate wrongperceptions.

Ok, basically situation is in the name - spouse mentioned monthly deposits in separate account.
Reason is to be able to save for bigger personal purchases - hobby related.

We are both employed, maxing 401ks, IRAsand HSAs. Also sizable chunk goes into savings for cars/house maintenance, travel and charity/gifts.
We have child in college that cost us about $1500/month + medical and car insurance, have mortgage. Also doing contributions to ESPP with designation to allocate that money after stock sale to the extra mortgage payment. All that left is usedfor living expenses which are charged to CashBack CC and paid in full every month. I manage all the bills, spouse have access to all accounts, quicken and receives monthly report about all consolidated ins, outs, investments- no secrets there.

Questions:
How to do it into separate checking account and do not jeopardize CashBack?
DoI create myself similar account too? if yes, same amount?
What expenses to include mad/hobby money? Anything that I am not thinking about?

Thanks in advance
Personal Finance Deals
Spouse wants allowance how to do it?
Added on : Monday September 15th 2014 10:00:19 AM
g: 0 Posted By: MoneyOCD
Views: 183 Replies: 7 Ok, basically situation is in the name - spouse mentioned monthly allowance in separate account.
Reason is to be able to save for bigger personal purchases - hobby related.

We are both employed, maxing 401ks, IRAsand HSAs. Also sizable chunk goes into savings for cars/house maintenance, travel and charity/gifts.
We have child in college that cost us about $1500/month + medical and car insurance, have mortgage. Also doing contributions to ESPP with designation to allocate that money after stock sale to the extra mortgage payment. All that left is usedfor living expenses which are charged to CashBack CC and paid in full every month. I manage all the bills, spouse have access to all accounts, quicken and receives monthly report about all consolidated ins, outs, investments- no secrets there.

Questions:
How to do allowances into separate checking account and do not jeopardize CashBack?
DoI give myself allowance too? if yes, same amount?
What expenses to include in allowances beside mad/hobby money? Haircuts/salons? Clothing?Anything that I am not thinking about?

Thanks in advance
Personal Finance Deals
Got rear ended, no citation issued
Added on : Saturday September 13th 2014 07:00:18 AM
g: 1 Posted By: DoctorDeals
Views: 842 Replies: 11 UPDATE: Other driver admitted fault to her insurance, so that potential problem is out of the way. Next up, whether it will be totaled.

I got hit hard from behind today on the way in to work. My bumper is cracked and there is a fairly sizeable dent so unfortunately, FWFers, it won't buff right out. Based on advice in thread after thread here, I thought it best to call the police right after the accident.

Even though the officer admitted it was 100% the other driver's fault, because the amount of damage was "low," he wasn't going to issue a citation, even though one was justifiable. This is the first way I think following other FWF advice (driving a reliable but 15 year vehicle with some other body damage, though none to the bumper) could hurt me.

The other strike against me for driving something old is that at best they will now just total the car for a couple hundred bucks which is not worth it to me at all (I'm guessing I don't get to keep the car in that situation). At worst, I'm concerned the lack of citation means the insurance companies view this as equally at fault, and I'm sunk as I don't have collision on the vehicle.

On top of all of this, I'm thinking the lack of citation means my rates are going to go up, as I was in an accident and no citation was issued; therefore, (in their eyes) I was equally at fault. This would likely eliminate all of the preferred driver discounts I have been enjoying for years.

Am I being too paranoid? Any tips on how I should play this? Any outside the box thoughts for how to handle this moving forward (as dangerous as that question could be around these parts )?

Thankfully (and certainly most importantly), no one was in need of immediate medical attention. So that was good.

Maybe this experience will finally help me convince the wife we needtwo dash cams for each vehicle.I'm sure if I had caught some texting, things would have played out differently.
Personal Finance Deals
Shelter Insurance Junior Special Policy- revisited from 2012
Added on : Friday September 12th 2014 12:00:09 PM
g: 0 Posted By: srhullender
Views: 149 Replies: 1 http://www.fullofdeals.com/forums/finance/1245931/

I stumbled across this post/thread/forum after doing a search on childlifeinsurancepolicies and wanted to comment.
A lot of misconception in this thread. A LOT! To touch on a few that really were way off track are as follows:

This is from the 1st posting...

"Let's take this slowly ...
1. Child life insurance does not help make sure children will be insurable in the future.
yes, it actually does. by buying a policy which carries "Guraranteed Insurability", the child will be able to purchase life insurance, regardless of health, in the future.
2. Child life insurance does help make sure children will be able to purchase from a limited set of adult product options.
True.
3. Those are typically awful products at awful prices.
Permanent Life Insurance is most defianltey applicable ina lot ofsituations.
4. Even where they are not awful products today, they almost certainly will be awful compared to more contemporary products offered 20 years from now.
FALSE! Waitng for those "future products" to "possibly" be more viable is rediculous to say. Plus, its not like we can erase time (as of yet, for you future dwellers lol). Hoping/praying for better products in the future designedto help protect our net worth will be useless unless you start now.
5. If truly uninsurable, those grown children will not be insurable.
What? This made as much sense as this entire post...
6. They will only have the ability to exercise the option to purchase the agreed upon product.
Exactly what its designed to do. And this is a bad thing?I'm actually kind of shocked by this display of pure ignorance. Every one of the posts in this thread are single minded. Let me start with a story...I have this client, we will call him Brian. He is a 39yo married man with a 1 year old. When I met Brian he was 29 and extremely active with his job. He is a risk assessor for a huge dot.com company. Anyway, I had found out shortly after I met Brian that he had Type 1 diabetes. Now Brian had not done such a great job over the years of treating his diabetes from when he was diagnosed at 16.
Soon after we became friends Brians diabetes got worse. He eventually had to have a kidney/pancreas transplant.Why am I bringing up Brian? Because Brian is one of millions who have Type 1 diabetes. (We arent even talking about any other disease or illness that can cause someone to be uninsuranble.) And Brian is one of millions who is 100% uninsurable. And if he were to find an insurance company who would write a policy on him (which to this date I cannot find), the cost would be so exorbitant that not even the examples above would hold a candle to it.When you can buy a policy for your child that A) doesn't have a continuous premium payment, B) Offers some sort of death benefit and C) offers a Guaranteed Insurability Rider which allows your child to purchase additional amounts later in life, regardless of health.... You are WINNING!

And trust me.Regardless of what products are out in 20, 30, or 40 years down the road or what this insurance is worth that far in the future. If Brian or any one of the millions of people out there were able to buy ANY amount or level of life insurance....they would buy it in a heartbeat! Ragardless of cost or death benefit.

I would say to all of the people who posted in this thread. "Stop being so cheap and actually buy something worth a darn for your kids. How many Wii, Nintendos, Atari, etc have you wasted on your kid already? Trying to tell me $240 is that much of a waste to benefit over a game system or any other crap you splurge on your kids with?" zzzzzzz



Discussion Deals
g: 0 Posted By: DoctorDeals
Views: 149 Replies: 2 I got hit hard from behind today on the way in to work. My bumper is cracked and there is a fairly sizeable dent so unfortunately, FWFers, it won't buff right out. Based on advice in thread after thread here, I thought it best to call the police right after the accident.

Even though the officer admitted it was 100% the other driver's fault, because the amount of damage was "low," he wasn't going to issue a citation, even though one was justifiable. This is the first way I think following other FWF advice (driving a reliable but 15 year vehicle with some other body damage, though none to the bumper) could hurt me.

The other strike against me for driving something old is that at best they will now just total the car for a couple hundred bucks which is not worth it to me at all (I'm guessing I don't get to keep the car in that situation). At worst, I'm concerned the lack of citation means the insurance companies view this as equally at fault, and I'm sunk as I don't have collision on the vehicle.

On top of all of this, I'm thinking the lack of citation means my rates are going to go up, as I was in an accident and no citation was issued; therefore, (in their eyes) I was equally at fault. This would likely eliminate all of the preferred driver discounts I have been enjoying for years.

Am I being too paranoid? Any tips on how I should play this? Any outside the box thoughts for how to handle this moving forward (as dangerous as that question could be around these parts )?

Thankfully (and certainly most importantly), no one was in need of immediate medical attention. So that was good.

Maybe this experience will finally help me convince the wife we needtwo dash cams for each vehicle. I'm sure if I had caught some texting, things would have played out differently.
Personal Finance Deals
Car Keyed - Any Experiences/What To Expect From Insurance
Added on : Friday September 12th 2014 02:00:06 AM
g: 0 Posted By: Mr0ffic3r
Views: 60 Replies: 3 My car was keyed either yesterday at work or the day before at night. I noticed it yesterday when I got home from work. I am in communication with Security at my work and they are checking into the video feeds to see if they can find anything.

I have a 2000 BMW 5 series with 260k miles - I do have full coverage.

It was keyed on the driver side from the front headlight all the way back to near the tail lights - I'll post pics later.

What is involved in repairing this? From what I see on a quick Google search, they will basically have to repaint 1/2 my car? Anyone have any personal experience with this? Am I wasting my time with even calling the insurance company being that my car is almost 15 years old and over 1/4 million miles? I maintain my car religiously, it's in top notch mechanical and eye candy condition. That being said, I'd be surprised if it's worth $5k on the market, although it's worth more than that to me.

Even though my car is in great condition for it's age and mileage, it's not perfect. There are a few scuff marks here (not noticeable unless you really look, couple <5mm rock chips on hood, etc., and there but nothing like a the deep scratch that you can easily feel where it was keyed - that runs along the side entire side of the vehicle.

Thoughts?


NASA FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 04:00:17 PM
g: 1 Posted By: Logan71
Views: 123 Replies: 6 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

NASA FCU can help. Our $0 DOWN fixed-rate mortgage doesnt require Private Mortgage Insurance (PMI). This is unique because conventional lenders will require PMI when your down payment is less than 20% of the home purchase. So, now you can concentrate on the things you need for your new home instead of a down payment.

I would think there's some legitimacy to NASA FCU, in the same vein as Navy FCU or PenFed, but I dont know - I'm only posting this 'claim' as it sounds attractive, at least on the surface, for someone trying to refi out of PMI. As they say, the devil is in the details...

Link
Discussion Deals
Navy FCU - Adveristing 0% down / No PMI mortgages
Added on : Thursday September 11th 2014 03:00:19 PM
g: 0 Posted By: Logan71
Views: 1 Replies: 0 I heard this on the radio on the way home, and then checked out their website a short while ago.

Their blurb...

NASA FCU can help. Our $0 DOWN fixed-rate mortgage doesnt require Private Mortgage Insurance (PMI). This is unique because conventional lenders will require PMI when your down payment is less than 20% of the home purchase. So, now you can concentrate on the things you need for your new home instead of a down payment.

I would think there's some legitimacy to NASA FCU, in the same vein as Navy FCU or PenFed, but I dont know - I'm only posting this 'claim' as it sounds attractive, at least on the surface, for someone trying to refi out of PMI. Ask they say, the devil is in the details...

Link
g: 0 Posted By: ssgcinty
Views: 166 Replies: 1 Theold offerexpired on 9/2.
New offer; same terms

50k miles if you spend $2k in 3 months.
5k miles if you add additional card holder (does not require SSN) and make a transaction.
First checked bag free on United for you and companion
Priority boarding
Two united club passes
No foreign txn fee
Can book award seat at standard level irrespective of award seat availability (keep in mind standard level mileage requirements are double e.g. 50k for domestic ticket)
AF $95 (waived for first year)

https://www.united.com/web/en-US/apps/sso/Login.aspx?return_to=thatsaplus

Edit: I like that this card offers primary auto rental CDW. I believe CDW from most other cards is secondary to your insurance.
This offer expires 9/30.
Car Insurance Issue: Proving Issue Relates to Original Incident
Added on : Wednesday September 10th 2014 01:00:13 PM
g: 0 Posted By: justignoredem
Views: 75 Replies: 0 Hello FWF

I'm in a bit of an issue with our car insurance.

We put in a claim from a hit-and-run incident from a parking lot. Long story Short: We were HIT on the DRIVERS SIDE rear tail light. The light wasn't hit but the cover was busted, as well as the bumper was busted. That wasn't the main issue. Our issue is this: On the way home we run the convertible top like normal - except this time (the first time running it after the incident) we hear a *FIZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZ* and a loud POP!!!!.... Great.

Apparently something happened with the tiny rear window of the DRIVERS SIDE that the convertible operates when it puts the top down. The regulator seems to be busted and it's a complete pain in the butt to replace (monetary wise). So it looks like we needed to put in a claim for all of this.

Our issue is that the car insurance company doesn't want to believe that the hit-and-run has any responsibility on the rear window, as if they are engineers of automobile mechanics that know what is going on underneath and behind the seats on my vehicle. Does anyone have any experience on how you argue this? As far as I understand, I wont hit my deductible without this window being fixed.... so there is no point in getting ANYTHING done without them covering the window, correct?

How do I get the insurance to cover the window like they should?


edit: Also, we told them this from the start, and they seem to be proceeding forward as if it is not a part of the original claim. I don't make claims to get them halfway done so this is really pissing me off right now.
Question Deals
Getting Car/Homeowners ins from different providers
Added on : Wednesday September 10th 2014 10:00:20 AM
g: 0 Posted By: Xnarg1
Views: 51 Replies: 0 I currently have State Farm and realized they are greatly overcharging me for my 6 policies with them, mostly on Auto/Home insurance (two autos, one primary home, one rental property, umbrella and jewelry policies). I ran a bunch of quotes online and it looks like Geico came out cheapest on Auto while Progressive came out cheapest on Home insurance. I also need to get rental home insurance/umbrella/jewelry but do I get that from Geico or Progressive? How would umbrella work if I have a claim on a policy covered by the other insurance.

The other option is to get everything through Progressive, though the Auto is $300 more per year, but then I could have everything under one roof like I do at State Farm. I was surprised that the Progressive Auto quote was higher than Geico even after the "bundle" discount.
Personal Finance Deals
Home insurance claim question
Added on : Wednesday September 10th 2014 04:00:17 AM
g: 0 Posted By: kfpanda
Views: 65 Replies: 0

I filed a home insurance claim for water damage. I have RCV (Replacement Coverage) . Insurance already cut me a check for ACV.

I have the option to use their recommended contractor and have them pay RCV.

However if I take ACV and try to do the work myself, will insurance let me keep the money saved (difference between ACV paid and my cost to do the repairs)? Thanks!
Personal Finance Deals
Has auto insurance gotten a lot higher over the last several years?
Added on : Tuesday September 09th 2014 11:00:07 AM
g: 0 Posted By: told
Views: 29 Replies: 0 I've only had personal auto insurance once in my life over 2007-2008 in California when I was around 21 insuring an old 80's chevy blazer with Allstate, liability only. Came to a paltry $30 a month or so. Sold it and cancelled the insurance when I moved out of the country. Since then and now I've survived on a combination of bikes trains and other people's insurance plans. I now am moving to Buffalo and will need a car for the first time since. Planning on a cheap used 5 grand civic hybrid again with liability only and Geico is by far the cheapest quote I've gotten and I'm still getting a quote of $80+ a month. I know different states have different rates and expecting to pay the same price now for anything you were paying for in 2008 is a little naive but I also figured being a little older and over that <25 age hump is when your insurance tends to go down. Just looking for feedback if auto insurance in general has climbed that much higher in the last several years or if there's maybe just a chance the online quotes providers give aren't as accurate as they could be going through a live agent.
Discussion Deals
Should I close the credit card I just received?
Added on : Monday September 08th 2014 05:00:06 AM
g: 0 Posted By: mzinz
Views: 144 Replies: 5 I searched for this but didn't find many answers. Let me know if this question belongs somewhere else!

I recently applied for the Barclays World Mastercard because I was under the impression that it would cover my rental car insurance in Ireland (it did not - misread fine print). Since I didn't even bother activating it, I'm wondering if I should just cancel it, or if that would do more damage than good.

I currently have the following cards:
Chase Freedom
Chase Amazon
Bank of America Cash Rewards
Bank of America Travel Rewards (1.5% back on all, my default if one of the others doesn't have better %)

I use the Chase Amazon for restaurants (2%), BofA Cash rewards for groceries/gas (2%, 3%), Freedom for whatever the 5% is, and BofA Travel rewards for all else.

There is a small amount to be saved if I add the Barclaycard to my routine since it offers up 5% back on groceries/gas, but neither of those are massive expenditures for me (estimating I spend $400/yr in gas, $2000/yr in groceries). Since the amount to be saved is so small, I'm thinking that having the additional card isn't worth the overhead (another card to manage/pay for/deal with).

What I'm wondering:
How bad will closing this newly opened credit line hurt my credit score, and for how long? I have good credit right now (around 790) and am considering buying a house within the next 2 years.

Thanks!



Personal Finance Deals
USAA Raising Rates in Texas ?
Added on : Saturday September 06th 2014 02:00:04 PM
g: 0 Posted By: insidetheloop
Views: 109 Replies: 3 I have been with USAA for 20+ years. I just signed up a new driver last year (16 year old son) and rates jumped big time. I expected that with a new driver. Its now one year later and all 3 drivers in the family have clean records. Since the new driver is now a year into his license with no incidents I wanted to compare policies. Current USAA policy with standard coverage and $1000 deductibles across the board is $3600 for a 6 month term. Geico and Progressive were both less than $2,000. I made sure both quotes were same exact coverage and consulted with USAA agent to make sure I was not missing something. Let them know of the huge discrepancy and asked if they could re-evaluate my policy b/c I did not want to leave. Her response was simply "we don't price match". Double the cost is too much even for the best customer service in the business. I am going to have to switch.

I just wonder how many customers are like me- I always trusted that the policy amounts were competitive but SUCH A BIG DIFFERENCE IS VERY DISAPPOINTING. I feel they are taking advantage of a very trusting customer base .

Am I way off base here or is this the reality of the competitive insurance business.
Discussion Deals
Car Accident: other part at-fault, neither insurance company is helping
Added on : Thursday September 04th 2014 07:00:06 PM
g: 0 Posted By: kiwistar
Views: 63 Replies: 0 This was posted attheend of another topic and did not get any responses:

Hello FWF community, I need your help and advice on my accident.

The accident happened on Labor Day afternoon, I was driving my CRV on a local road under speed limit and was arriving at an intersection, where a Ford (1st car) stalled while the light was green. I stopped my car (2nd car) in time, a PT cruiser (3rd car) following me I rear ended my car, the impact ofcollisionpushed my car into the Ford in front, causingadditionaldamage on my front bumper and Ford's rear bumper. I called 911 since mydaughterwas riding at the back,dispatcheroriginallyrefused to send the police since no one was seriously hurt, but two police cars stopped by and a police report was filed and will likely beavailablein 2-3 weeks. Police told me most likely the drive of PT cruiser is at fault and the driver of 1st car testified my car did not hit his car before the impact ofcollision. I reported the accident tomyinsurancecompany (Ameriprise) thesame day and and provided them with 3rd car's insurancewhich is Farmers. Unfortunately, I don't have rental coverage through Ameriprise, aftertalkingwith my representativeTuesday, he told me to contact Farmers for rental. Inthemeantime, my car wastowedto Body Shopdesignatedby Ameriprise for estimate. I called Farmers and got the claim No. and contact of adjuster. I called adjuster several times and his supervisor, but no one called me back. Today I called again and reachedadjuster, he told methedrive of Ford already contacted them and sent themthepictures, based on these pictures my car is likelyTotaled, he mentioned a low number from KBB which I did not accept, he alsomentionedthe amount oftotalcoverage may not cover the expenses of both cars. I asked about the rental expense, he said he need to get all the information before approve it, Then he tried to interview me before my permission, I stopped him and tell him police report has all the information. He told me that this will slow downtheclaim. I said I couldn't get by without a car andl will get my rental car regardless hisapproval. I got anenterprise car with my own credit card and Farmers' pending claim number today. For the whole process, I feel like both neither company is moving since Ameriprise has not contacted Farmers yet. Here are my questions:
1. Do I need to call Farmers back for my side of story to make things move faster? what are the potential downsides?
2. Am I too impatient, what is the risk I have to pay rental myself ? How much can I trust what police told me ?
3. How do I get my company help me in dealing with Farmers ?
4. What are the next steps?

A new twist: Ameriprise finally called me back, told me State Farm wouldn't admit 100% fault, I had tointerrupthim that the other insurance is Farmers

Sorry for the long post,I would greatly appreciate if you can provide your valuable advise/inpu, thank you in advance.
Question Deals
Renters insurance Claim woes. Advice appreciated!
Added on : Thursday September 04th 2014 07:00:15 AM
g: 0 Posted By: mp3ster
Views: 129 Replies: 4 So ill make this story as short as possible. My girlfriend and I live in a Condo that we rent. We have had renters insurance with the same company for the last 5 years, and had not made a claim until this one, and we are not happy.

What happened :
-Our cable line got hit by lightning, this fried all of our cable boxes, and modem. This also fried all of the HDMI ports on the TV's and projectors that the cable boxes were attached to. It also fried my router.

Resolution:
-WOW! (our cable provider) replaced all of the cable boxes and the modem 3 days after the lightning strike. At that time it was determined (by the tech that came to our house) that all of the HDMI ports for the devices that their boxes were connected to got fried. He hooked every box up via component cables instead. And that the router is no longer functional.

Insurance Claim:
-Assurant is our insurance company. The adjuster that was assigned to our claim contacted me a few days after i opened the claim over the phone.
The Adjuster said that we had to itemize all of the items damaged, and had to get a "certified electronic repair person" to verify damages and provide an estimate for the repairs. That repair person would have to provide a replacement / repair cost to the insurance company.
I contacted WOW! and had one of their service tech's call Assurant to verify the damages. This did not satisfy the insurance company's request.

Here is my irritation:
This is all done on my dime and my time. I have to take the TV's and hardware that was damaged to the electronic store. I have to pay the $35 per device for him to diagnose the issue. And i have a $500 deductible. So if they are able to fix it, its all coming out of my pocket (assuming HDMI boards are under $500)
I complained to the insurance company that this is the adjuster job, that we pay for insurance to be covered, not to have to fight. If a tree fell on my car, would my insurance company make me drive to a Body Shop and make an estimate? No.

Needless to say, this is the only claim that i will have with this insurance company. As soon as this claim is resolved, i will be switching company's'.

If you guys could provide me some feedback on how to handle this with my insurance company, or if you had a similar, or way different experience, chime in!

List of damaged electronics :

55" 1080p Panasonic smart TV
32" 1080p LCD TV
Optoma 1080p Projector
Onkyo reciever
Asus Router
Xbox 360
Chromecast

Discussion Deals
How is inflation affecting me?
Added on : Thursday September 04th 2014 05:00:07 AM
g: 0 Posted By: alienjedi
Views: 140 Replies: 7 So I read through a lot of the posts on savings and a big argument is that a savings account of 1% is losing me money due to inflation being higher than the return. For me, I don't really see inflation directly causing my cost of living to increase. My question is where is inflation hitting me that I am not seeing?

I have a budget and have been tracking spending for the past year.My expenses in order of magnitude are as follows:
Rent - unchanging our landlord is very happy with us and wants to keep us
Food - I always shop with coupons and wait for meat to go on sale and buy in bulk and freeze. I buy produce when it is in season (on sale).While the trade costs of grains may be going up, I am not feeling it.
Car (Gas/insurance/repairs) - Car is paid off and runs well (2010 Forte 120k miles) and I do all my upkeep. Trade in value is between 5-6k. Cost for a new equivalent model with warranty would be 16k, since I don't have any repairs which would cost 10k, it doesn't make sense for me to get a new car. Cost for a new forte with equivalent features has remained the same since I bought my car so still not seeing inflation there. Gas prices while cyclical have actually been dropping, or at least normalizing for the past 3 years (Gas Chart). Insurance has gone down or remained the same since I bought the car.
Shopping/travel - Always do it on a budget, airfare is really the only thing that I see a continual increase in price for...
Medical - No major expenses here

So aside from airfare how is my money losing value due to inflation?
Discussion Deals
Any halfway decent home warranties for old HVAC?
Added on : Thursday September 04th 2014 04:00:05 AM
g: 0 Posted By: nic3456
Views: 69 Replies: 2 I know Home Warrantys get a bad rap (and well deserved in most cases) - but I'm thinking about signing up for one again after receiving a letter from my mortgage servicer. The main thing I'm interested in is coverage for the Heating/AC units. I have 2 compressors (both replaced in 2001) and 2 furnaces (one replaced in 2001 - the other is original to house from 1987!!). The furnace from 1987 is still working fine, but I can't imagine its going to last much longer as its over 28 years old. Any experiences with particular companies that performed at least decently in regards to HVAC? 1 key is I will need a plan that covers preexisting stuff just to reduce hassle. We have maintained it as needed (only been in the house for 2 years), but want to avoid as many possible "outs" for the insurance when the furnace bites the dust down the road.

NOTE: I should probably go ahead and replace the equipment to get something more efficient, but my HVAC only costs me about $1,500/year so I don't think I would see enough savings right now to justify the expense.
Question Deals
What is my Best Option For Our Health Insurance?
Added on : Wednesday September 03rd 2014 10:00:11 AM
g: 0 Posted By: justignoredem
Views: 21 Replies: 0 Okay so I'm in a bit of an interesting situation. I have never had an HSA, nor do I know much about it other than general reading on it (Vanguard, bogleheads). So I still feel like I do not know enough about the account. A lot of people seem to advocate HSA accounts in the finance forums, so I figured this would be an ideal place to get different opinions. Below are the general options between my wife and I at our careers going into the next 2 months.

Wife:Her Company is about to split off, long story short, she will have to pick new benefits when the new fiscal year comes (October 1). She will have 2 options - 1. a standard PPO, covers ~80% for a decent amount per month. or 2. an HSA that covers the basics but gets company supplementation. Also has the option for FSA.

Myself:I'm currently on break. I will be joining a big 4 company shortly. As you can guess, they have tons of choices. Everything from an incredibly expensive option that covers everything 100% (but is expensive every month), to one that covers the basics for very cheap, to an HSA that covers the basics, to a standard PPO that covers 90% for a decent amount. Also has an FSA.

The kicker? We see a baby entering our lives in the next year. It will be happening soon, so that will be a major factor. This is what makes me feel an HSA is not an option, because funds will obviously be needed on the spot for hospital visits for the kiddo and pregnancy/delivery basics. HSA would obviously be the option when you foresee healthiness that you can save up for, correct?

1. Am I correct in that assumption that HSA is not a viable option with a child on the way shortly?
2. Considering a baby would be on the way, would it at all make sense EVER to get the 100% coverage option? Obviously it's not going to cover 100% of all costs (Prescriptions for example). We're talking something like $300/mo vs. $200/mo for 90% PPO.
3. What do you guys see as the ideal path? Consider the FSA accounts as well.
4. Lastly, is there maybe some kind of Hybrid situation I'm not seeing? Maybe getting a PPO on my side but also getting the HSA on the wife side for the company match would be beneficial?
Personal Finance Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
Student Accident Insurance
Added on : Tuesday September 02nd 2014 03:00:06 PM
g: 0 Posted By: invisible
Views: 13 Replies: 0 "Student Accident Insurance" : Is that deemed a poor choice by most? An unneeded insurance?
Thought I will check here before tossing what schools seem to be mildly but exclusively pushing

Some questions to FWF members experienced in this regard:

Is the Student Accident Insurance worth buying in specific scenarios?
How about when parents/family is insured through employer under a very high deductible plan and having HSA?
Any comparative sites or recommendations on which company/product to buy in this regard?

Just to give some idea this one company (www.sas-mn.com) that has the schools send out their forms with prices such as $89 for whole year 24x7 (various amounts for various medical services) or $14 for school time. Thinking of using that $89 full time coverage as an additional insurance due to high deductible health insurance and an otherwise very healthy family, so precisely for accidents where this may save some OOP costs after primary insurance would have us cough up high deductibles.

Note: It seems like some insurers of this product ask for the State one lives in, and on choosing show specific (v.few) schools they cover. That was a surprise as I expected any insurance company operating in the state to cover any schools within.

Car Damaged By Locksmith *YES...pics included*
Added on : Tuesday September 02nd 2014 06:00:09 AM
g: 0 Posted By: KYBOSH
Views: 156 Replies: 3 The front pillar and roof rail of my sister's Prius was damaged by a locksmith as they attempted to unlock her car.
Her battery died while she was out and she left her keys in the car. Normally the car knows when the keys are in the cabin and will not lock the driver out. But the battery died and when this occurs the car automatically locks (so I am told).

She called for roadside service and I was shocked to see the aftermath.

The pillar along the passenger's side door has 3 VERY noticeable dents in it. The top of the door itself is no longer flush as well.

I have had a locksmith get my locked keys out once or twice but have never seen that kind of damage to the pillar. Needless to say that aint gonna buff right out.



I'm getting all the details from her about the locksmith (whether it was contractor from AAA or her insurance company) and will update this post as soon as I hear back from her today.

I doubt my sister raised hell on the guy at the time but I don't think we can/should let this one slide without a fight.
Has anyone had any experience with things like this?

I'm getting all the details from her about the locksmith (whether it was contractor from AAA or her insurance company) and will update this post as soon as I hear back from her today.



Personal Finance Deals
Is this medical plan HSA qualifying?
Added on : Tuesday September 02nd 2014 04:00:09 AM
g: 0 Posted By: trekwars2000
Views: 53 Replies: 0 So my wife is just started a new job and is signing up for benifits. Her company has 2 health plans, one they call an HRA and one they call an HSA. I think both are actually HDHP plans that would qualify for HSAs but I want to double check.

Here is the info on her (single) HRA plan:
$1350 deductible
15% coinsurance after up to $4500 OOP max
$250 put into a Health Reimbursement Account (HRA)

That looks like a HDHP qualifying plan with the deductible and OOP max, however, I am not sure what the HRA does for this. Any help would be great.

For those wondering the single HSA plan is: $1750 deductible, 20% coinsurance to $6250 OOP max with $250 going into an HSA.

Personal Finance Deals
Liberty Mutual insurance-your expeince
Added on : Friday August 29th 2014 01:00:05 PM
g: -2 Posted By: ShakuniMama
Views: 106 Replies: 2 I am looking for people's experience withLiberty Mutual insurance.

Also, any suggestions as to how to deal with them if they don't do what they are supposed to do regarding claims.
Discussion Deals
Liberty Mutual dragging it's feet over Total Loss Valuation claim
Added on : Friday August 29th 2014 11:00:07 AM
g: -1 Posted By: ShakuniMama
Views: 59 Replies: 1 It's been almost 4 weeks since my car accident as discussed here

My 2002 Honda accord was rear ended and is deemed a total loss by the appraiser. The at fault driver's (NJ plates) Liberty Mutual insurance has bee dragging it's feet over the valuation. It's been almost four weeks since the accident. After multiple calls/emails, It took them two weeks to send an appraiser who told me that someone from the total loss department will contact me within 2-3 days. When no one contacted me after 3 days, I emailed the assigned total loss claim specialist but receive no response for one week. I kept on emailing daily without any response. Finally, I called only to find an answering machine and received a message on my answering machine that this matter cannot be handled via emails and I have to "discuss" it with him.
I emailed the corp:krista.young@libertymutual.com,presidentialsvcteam@libertymutual.com as well as called his supervisor Djessica Lopesbut no response so far.

I finally managed to talk with the above mentioned claim specialist Michael Green @ total loss department today. He asked me few questions about my car and said that they don't have the mileage from my car despite the fact that the appraiser noted it down in front of me! He asked me to email him (see the irony) the picture of the odometer reading. What I don't understand is that he refused to discuss anything about a rental (I have been paying for it for last 4 weeks) saying it's company policy not to discuss about rental till valuation is completed. However, my insurance company specialist told me that they are supposed to provide a rental from the day one for "loss of use" till the payment is made and new car is bought.

I called again after emailing the pictures of odometer reading as well as my car's service history but got the answering machine again.

What are my options regarding rental and his refusal to answer emails ?
g: 2 Posted By: CPAESQ
Views: 951 Replies: 7 I got an e-mail from the NRA and they are offering Teledoc for $15 a month. No additional charges - but you pay for prescription at pharmacy. Just a flat $15 fee per month fee for unlimited calls / consultations with no additional fees at all for up to 6 family members.

http://www.nraendorsedinsurance.com/teladoc?tab1=Sign%20Up%20Now

Seems like what I need -- you get poison ivy, need an antibiotic, etc you can call a doctor and they can call in the prescription for you.

Has anyone used this? I am posting this here because I have a high deductible health insurance program and a HSA so this may help me save some cash, and time off of work if I do need a quick prescription. It covers up to 6 family members.

You do not need to be an NRA member. Your health insurance may provide this, or you just pay $40 per call
http://www.teladoc.com/what-is-teladoc/

Figured I would see if anyone here can vouch for this program / share it with other FW'ers
Discussion Deals
Individual health insurance plans in California non ACA
Added on : Thursday August 28th 2014 06:00:09 PM
g: 0 Posted By: bighitter
Views: 55 Replies: 1 Does anyone have a recommendation for obtaining individual health insurance policy quotes in California outside of the ACA plans? A neighbor needs to obtain insurance coverage. I recommended she look at plans on the California Care website (Obamacare ). She said she phoned several local doctors who were listed in the ACA plans on California's website but none were willing to accept a new patient with ACA insurance. She isnt in poor health now but did have some sort of health issue about ten years ago. Should see call the major insurers Blue Cross, etc., or would she be better off going through a broker?
Question Deals
Anyone use Teledoc? Could save money on doctor visits.
Added on : Thursday August 28th 2014 03:00:04 PM
g: 0 Posted By: CPAESQ
Views: 141 Replies: 0 I got an e-mail from the NRA and they are offering Teledoc for $15 a month.

Seems like what I need -- you get poison ivy, need an antibiotic, etc you can call a doctor and they can call in the prescription for you.

Has anyone used this? I am posting this here because I have a high deductible health insurance program and a HSA so this may help me save some cash, and time off of work if I do need a quick prescription. It covers up to 6 family members.

http://www.teladoc.com/what-is-teladoc/

Figured I would see if anyone here can vouch for this program / share it with other FW'ers
Discussion Deals
What Other Credit Card Benefits Do You Make Sure to Use?
Added on : Thursday August 28th 2014 12:00:05 PM
g: 0 Posted By: justignoredem
Views: 124 Replies: 0 Odd Question, but I was scrolling through my Citi card and seeing the different benefits they offer:

Price Rewind - Register a product purchased on the card and they will monitor the price for 60 days and give you a refund of any difference in price.
Rental Car Warranty - some others do this I hear
etc... others do extended warranty for products.

All I usually ever give a crap about is the standard reward... CashBack! (Or miles for some people). When I am at a rental car agency my first thought process is "Which one of my cards will give the most CashBack on Travel related services?" and if I can't find one I just give any random one. I'm not thinking "Which one will give me free rental car insurance?"

So I'm curious, which one's are the most crucial to you guys? Because I really want to start taking advantage of them more often, but I'm usually too lazy. I'm always thinking they aren't worth the time or money to call up and register or whatever.

Now what I CAN say is worthy as far as card benefits outside of standard CashBack is this: Whenever I am skeptical of ANY charge or any merchant. I always just tell myself: "Put it on the AMEX". Because I always know if there is a problem with the charge there hasn't been a single time that AMEX hasn't sided with me. I had a cab driver rip me off with a $10 added tip... guess he enjoyed having no-tip more
Discussion Deals
Financial implications of running a dashcam in your car
Added on : Wednesday August 27th 2014 01:00:44 PM
g: 0 Posted By: nasheedb
Views: 61 Replies: 1 Dashcams seem to be very popular overseas, especially in Russia. In fact, there are entire YouTube channels dedicated to videos recorded using these dashcams (link,link). In the US though, its use is not very widespread outside of law enforcement. Is there a particular reason for this? In case of an incident, are they considered an asset or more of a liability?

There are plenty of videos where dashcams were used to foil insurance scams (link,link). However, I'm worried that a dashcam could hurt you. What happens if you get into an accident where it is clearly someone else's fault, yet your dashcam shows driving slightly faster than the average speed of traffic? Is the recorded footage your property that the police will need a warrant to obtain, or is it automatically confiscated as evidence once the police see that you have one? In case you get into an at-fault accident do you even have to tell them you have the video, or can you just hide your dashcam? Is that against the law?

What is the general consensus on dashcams? Do you run one in your car? If not, would you?
g: -2 Posted By: 1hotmama
Views: 315 Replies: 2 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
Hyalogic Hyaflex-C 1-Ounce Joint Supplement for Cats $9 FS @Amazon
Added on : Wednesday August 27th 2014 09:00:22 AM
g: -2 Posted By: 1hotmama
Views: 214 Replies: 1 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
g: 0 Posted By: m2go
Views: 33 Replies: 0 After 2 turns of getting VISA claims denied on technicalities / "we don't cover this" (like, for example, accidental damage), I am now interested in figuring out what card to use for what, while also maximizing Cash Back.

It's my understanding that everybody's darling CashBack 2% FIA/BofA Fidelity Investment Rewards AMEX does not have AMEX coverage, but 3rd party coverage which is very picky. (I tried to add my FIA Fidelity Amex to the AMEX claims center - no dice. This card cannot be "activated".)

I've personally seen that VISA coverage is very picky on extended warranty and purchase security. (Pay some, don't pay others.) This affects 1.5% Visa CashBack Capital One Quicksilver.

Supposedly, MasterCard is super-picky on rental car insurance (i.e, they demand more documentation than rental car companies will usually provide to cover "lost use" and possibly other costs they charge.)

Most credit cards are secondary coverage in US only, i.e., you must file with your primary insurer which hurts your insurance rate.MC, Visa, AMEX offer primary insurance outside the United States. Some card issuers exclude specific countries.I have heard that AMEX made a colleague get in writing that he was not covered from his car insurer. They then paid, but it affected his policy premium...

Supposedly, Diner's provides primary rental car insurance as a card benefit. Does anybody have experience with them?

Does anybody have any experiences with Discover card benefits?


Question Deals
Advice for Student Loan Overage Check
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 0 Posted By: dwchief
Views: 107 Replies: 1 Hi all -
Pretty sure I know the answer to this one but wanted to run it by some others. Just got my loan overage money, which is about 6K. This is 4x my normal overage amount I have been getting. My first thought is to just return the check and get the loan reduced. I'm at 6%, deferred right now. This is what I am leaning towards.

Wanted to get your opinion on other options:

Use this to pay off $130/month loan. This is a 0% interest, equal monthly payment, furniture loan. About3K left on the loan. Could payoff and return/pay down the balance of the check guys.
Use this, and sell Employee Stock Purchase Plan stock to payoff car. Finally convinced wife we needed to reduce car payments. Couldn't get her to go the Crown Vic route but reduced our monthly by about $200 + small insurance reduction. Should have enough money between the two to fully pay off car, net $215 back, could also "return" the warranty on the car (or just the GAP portion) + reduced insurance. Oregon requires full coverage for cars you have a loan on.

Edit for stock note. My $2500 investment got me an extra 16% due to the plan. Stock currently worth $3,260, haven't held for a year yet so paying full tax bracket %, currently at 1 year high and hovering there.

H&B.

Let me know what you think everyone, thanks for any input.
Personal Finance Deals
Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

She has a relatively severe diastasis (separation of abdominal muscles) as well as a small hernia. From what I've read, insurance won't cover the diastasis repair (which is BS but I won't try to change the world today) but WILL cover the hernia repair. That said, I'm wondering if I can have a portion of the procedure(s) covered as the surgeon will be repairing the hernia in the same procedure as the tummy tuck. From some cursory research it looks like our insurance co will accept an invoice that includes "repaired hernia" and send us a check for the amount of the repair benefit, which will include the negotiated anesthesia benefit. While this may only be a small portion of the entire amount, I'm looking for any way to mitigate this potential large expense.

Other things to think about: cash offer. Knowing a surgeon's marginal tax rate is probably close to 50% I wonder if this is an option? As they are not an insurance-funded industry for the most part I don't know if there is more flexibility here.

I want to keep my expenses as low as possible but obviously I want the very best for my wife. This is less financial in nature but I wonder if anyone has ever researched plastic surgeons before and can offer advice? I'm in the Rochester area and am struggling to find "the best" in New York State or within around 8 driving hours of us. I've read countless "Realself" posts but the more you read the more you start seeing that many of those reviews seem to be very suspiciously biased. I was looking at a Toronto surgeon but I recently found out an acquaintance had a cauterizing tool dropped on her stomach during a standard BA procedure with him and lawyers in the area are shrugging it off, the surgeon is offering free scar cream, end of story. Are there any high-end PSs in the Western New York area or should I bite the bullet and go someplace closer to NYC?

Thanks for any insight.
Personal Finance Deals
Dual HDHP Coverage - Questions
Added on : Monday August 25th 2014 04:01:01 AM
g: 0 Posted By: trekwars2000
Views: 78 Replies: 0 So my wife started a new job last week and as such can pick new insurance coverage, etc. She has two options through her job a plan called a HSA and one called a HRA. In actuality the names don't matter as I think both are qualifying HDHP plans under IRS rules. The difference is the company puts money into a HRA for the HRA plan and into a HSA for that plan. Since I have a family HDHP with HSA and am already contributing the max I think we are going to do with the HRA plan. For this plan the company puts in $250/year into the HRA, there is a ~$1300 deductible, then 15% coinsurance until the OOP max of ~$4k.

1) Is it fine for my wife to have a funded HRA if I am putting in the family max to the HSA?
2) Is the HRA plan actually a HDHP qualifying plan for HSA funding purposes?
3) How is insurance going to work since my wife will be covered under both plans? Under my plan she has a $3500 deductible with a $5500 OOP max. Does the deductible go up under both until it reaches her ~$1300 deductible?

Thanks

Personal Finance Deals
To file or not to file? Homeowner's insurance claim..
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: featherz
Views: 36 Replies: 0 Just had our well pump go out - so no water (fun fun). We called out a bunch of guys to look at it and clueless (sorry honey!) hubby picked a really pricey guy when I was off at work. The price to fix the pump NOW was most likely jacked up as he told my DH that it was a lightning strike and that it would be covered by homeowner's insurance. DH thought 'woohoo, free!'. Pump was replaced, cost about 1K too much, but that's water under the bridge. Background - this is possibly a 40 year old well pump, almost 300 foot deep, galvanized pipe that was also replaced during the fix.

When examining the pump, it looks like the contractor may have been correct - there are small burned holes on either side of the pump. We have had lots of lightning lately and even a storm the day of the pump going out. I don't see any obvious strike, but not sure that matters.

Hubby wants to file a HO claim to pay the bill - after deductible, this would be a $2600 claim. We pay about $900/year in insurance and have a $243 'claims free' discount.

What think the FW community? We've already paid for it - and I'm not sure the insurance will allow this charge since it's already been repaired and they had no chance to come out first (we had no water so it was a rush job). They may disallow all or part of the claim for the age of the pump and/or replacing the galvanized pipe (not technically necessary to restore water).

I say it's not worth the claim and we just have to suck it up.. but if I am wrong, we could get part of this pricey fix back so I figured it was worth a check.
Real Estate Deals
Car rental for a week
Added on : Saturday August 23rd 2014 03:00:37 PM
g: 0 Posted By: thebeeskness
Views: 34 Replies: 0 Hello,

I need to rent a car for a week starting from this Sunday or Monday. Location: State College, PA 16801

No preferences whatsoever... Just the cheapest, the better.

I'm not familiar with renting cars and I don't have insurance, I have Amex, Visa and Discover. Should I buy the insurance offered by the rental company?

Thank you!
Car Rental Deals
Captive Insurance Programs
Added on : Saturday August 23rd 2014 12:00:15 PM
g: 0 Posted By: Coto
Views: 125 Replies: 2 I'm looking at a very high tax bill at the end of this year. So my accountant suggested setting up my own Captive Insurance Policy. From what he says I can contribute a lot and it's all tax deductible and after a certain period of time I can even take the money back out (borrow from it) with no penalties. I've looked it up all over the web, I guess the IRS doesn't like it too much as they are considered a tax shelter but they are allowed in 38 states. It will cost $60,000 to set up and I can even finance if I want one for a million for example.

I'm not so sure, anyone know anything about these types of policies?


Question Deals
Paying IRS 10% Penalty on Non-qualified Annuity Withdrawal
Added on : Friday August 22nd 2014 07:00:47 AM
g: 0 Posted By: agawam
Views: 104 Replies: 0 Several years ago, I purchased with after-tax funds a non-qualified variable annuity. I have now decided to withdraw my contributions and earnings instead of annuitizing. Since I am not yet 59 1/2, I know I will have to pay a 10% IRS penalty on the earnings (not very large).The insurance company has stated that they can withhold federal and state taxes on the earnings but none of those taxes will be used toward the penalty. With that being the case, once I receive these funds, do I need to wait until next year to pay the penalty when I complete my 2014 taxes? Or is there a way to pay the penalty this year? If I can pay this year, what form do I need to fill out? If I have to wait until I complete my 2014 taxes, is there an additional form that I will need to fill out to address this penalty?

Thanks!
Personal Finance Deals
g: 0 Posted By: amhidogha
Views: 26 Replies: 0 Recd a letter from a collection agency for $140 for an ER visit in 11/2012. In my recollection, we had paid it off in 04/2013, so sent a certified letter disputing it and to validate. Recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt (not made by us) on 03/21/14.

History below
ER visit in 11/2012.
11/2012 stmt had incorrect amt due. Called to ask what happened, they were missing some insurance info, gave insurance info again.
01/2013 stmt - showed correct co-pay of $150
02/2013 stmt had this balance and another charge (for a separate visit, that IMHO was expected to have been covered in full by insurance) for ~$78
03/2013 stmt - same as 02/2013 stmt
04/17/2013 stmt - yet another charge (for a separate visit, that also IMHO that was also expected to have been covered in full by insurance) for ~$72. 11/2012 charge not on stmt.
04/22/2013 - called and asked for a discount, was given 15% off, so paid $127.50 and thought the 11/2012 charge was now paid in full
05/2013 - no stmt - Since no stmt - assumed that the 2 other charges were settled by insurance and the 11/2012 once was paid off
05/2013 - recd a letter from collection agency for $150 - informed them about 04/22/2013 pmt
06/2013 - recd another letter from collection agency for $150 - ignored as pmt was supposed to have been paid in full, assumed delay from Hospital side to inform them.
No activity for 1+ year
07/2014 - recd a letter from a different collection agency for $140. Sent certifiedletter disputing it and to validate
07/2014 - recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt on 03/21/14 that I had not made
08/2014 - Called ERs billing dept and was told that 11/2012 bill was already sent to collections in 03/2013 and hence did not appear on account and that $150 pmt (minus discnt) was applied to the other 2 accounts. Was never informed during 04/22/13 call that it was already sent off to collections and that the pmt was (incorrectly, in my opinion) made to the other 2 accounts (that should have been covered in full). They claim they have a 90 day policy to send to collections, though we never recd a letter to that effect or it was never mentioned on their monthly statements. They are unwilling to fix things and recall it from collections, if there is even such a thing.

Any suggestions on how best to proceed? Thanks.
BTW, this is a huge hospital/physician network that we always use and was also spouse's last (recent) employer.

TL, DR;
Recd letter for collection agency for old ER visit, pmt for it then was misapplied by Hospital to a different charge and hence shown unpaid. How to proceed? Thanks.
Question Deals
traffic bump, person claims more damage then was done
Added on : Thursday August 21st 2014 12:00:11 PM
g: 0 Posted By: indigoonward
Views: 128 Replies: 7 not sure what is going on right now but someones insurance called me this morning saying i bumped into them and caused 1300$ in damage.

I went on record for them saying I don't recall that happening. They claim this person has a picture of my license plate.



not sure what to do right now, any advice? What if I bumped into someone, and stopped and gave them my name and phone number,
but then left and its a week later and the person is claiming I caused 1300$ in damage, what exactly is the process here? I Checked the back
of my vehicle, the bumper has a small scratch on it and nothing more.

Thank you to anyone who can give advice or post something related , just don't know whats going on right now.
New User Question Deals
Suggestions for short term investment intended for college
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: Rock80s
Views: 18 Replies: 0 A little background - currently we've got nothing put aside because we haven't been able to. We just got some money from life insurance due to a death in the family. We've used some of it for things around the house and paying off debt. We want to put what's left towards some kind of college fund for our kid, but it's only 2 years away. I realize we can't make too much in such a short time without high risk, but we don't want high risk. I would be happy just getting above the 1% or so that CDs are currently running.

So.. what would you folks suggest? We're looking at $25k that will need to be usable by June of 2016 for tuition. Please let me know if I've left out anything important.

Thanks!
Personal Finance Deals
Health Insurance advice (New Job. 60 day waiting period)
Added on : Tuesday August 19th 2014 04:00:05 AM
g: 1 Posted By: mikef07
Views: 30 Replies: 3 I will be starting a new job on Monday. The new company has a 60 day waiting period for Health Insurance to begin. Any advice on what to do for those 60 days. From my understanding I can sign up for Cobra for 30 days after leaving so that would take care of 30 days (should I need it), but what about day 31 to day 60?
g: 0 Posted By: m2go
Views: 242 Replies: 1 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

Thanks!
Question Deals
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
g: 0 Posted By: m2go
Views: 88 Replies: 0 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

Thanks!
Homeowners insurance overpayment - best approach to resolve
Added on : Saturday August 16th 2014 12:00:05 PM
g: 0 Posted By: Nomoboro
Views: 52 Replies: 0 About three weeks ago we discovered that our escrow company has been paying our homeowners insurance from our escrow account (marked as Hazard Insurance on statement). Since we purchased the home in 2007, we've been paying homeowner's each month via automatic withdrawal from our checking account.

We've requested:

7 years worth of bank statements showing this checkingaccount had withdrawals- per MetLife to verify we made payments all this time.
7 years worth of escrow statements (we had some, others were either shredded or are in storage). ~~This was more difficult as our original mortgage was with Bank of New York in 2007. Sold to Countrywide in 2008, which turned to Bank of America in 2008.
7 years worth of MetLife statements - to show the withdrawal amounts were consistent with our homeowner premiums (we also had car insurance with and a separate withdrawal monthly).


We've contact MetLife and they were less than helpful. We called them first, yet we have not received any of the statements. We called the banks and escrow company a week after MetLife and we've received all their documentation.

We received the last statements today, and after a cursory glance, it appears the overpayment occurred for about 2.5 years. I haven't been able to verify why the change happened - it doesn't look to coordinate with any changed in mortgage (ie. being sold etc.). From my recollection, it also doesn't appear to coincide to our remortgage, but I have to get that paperwork out of the attic.

My thought was to call MetLife again, armed with all the facts and give them one chance to be cooperative. If that doesn't work, I was either going to lawyer up, contact State Attorney General, state insurance commission and anyone else I think of that might be beneficial.

I thinkwhat irks me the most is that suddenly at the end of 2013, MetLife stopped the second payment. So it appears the realized there was overpayment going on, yet no attempt was make to rectify the situation.

I recall receiving a letter saying it was going to combine our monthly withdrawal into one payment - I looked into my files and cannot locate that letter. We moved in January 2014, so things were a little hectic leading up to it.

In the meantime, we have bought a new home (still own the first home and have it rented). We were unhappy with MetLife and when we bought our new home in January 2014, we switched insurance companies. Sadly we are paying less for our two cars, new $2 million umbrella policy, new home and old home with Allstate, than we paid for two cars and our original home.

I'm seeking advice on what our approach should be moving forward. We did pay an additional $3/month for a payment that should not have been received. We also spent $150 getting copies of statements to verify when this started happening. At the very least I want the couple thousand dollars and change back.

Is there anything else we should ask for? I'm still pretty pissed at MetLife from an accident we had where the other driver admitted fault, was cited by the state police and their insurance company's adjuster stated I needed a new door - Met Life's adjuster said I didn't - so I didn't get a new door. That door still doesn't shut correctly. But I digress.....

Any thoughts greatly appreciated.
Question Deals
Samsung 65" UHDTV 4K UN65HU8550 Refurbished $2499 from Groupon
Added on : Saturday August 16th 2014 06:00:11 AM
g: 0 Posted By: infinitemonkeys
Views: 215 Replies: 0 http://www.groupon.com/deals/gg-samsung-65-uhd-4k-smart-led-tv-1?deal_option=af38265c-b6b5-4215-b28f-7d2825a9e8aa&

I've been looking at this model for some time, waiting for the price to drop. It's the largest Samsung UHDTV with flat screen. It's this year's model with the most current HDMI inputs.
You can find the same model for as little as $2079 from unauthorized dealers. These dealers will take your order, then not deliver until you agree to shipping insurance of $200-250. If the TV has any faults or bad pixels, you can't return it without paying restocking. Basically, you don't get the deal you think you will.

This item from Groupon is refurbished, and sells for about $500 less than new from authorized dealers. You can also get 6% FatCashback (approx $150). Not sure if there are any other Groupon discounts that might work.
LED TV Deals

Groupon Coupons
g: 0 Posted By: ctgolfer
Views: 92 Replies: 0 use coupon code: FLOATS30

Use a camera float - Don't lose your camera when swimming or snorkeling, this is a cheap insurance!
Easy to spot bright marine-yellow fabric, made of soft foam-filled neoprene
Comfortable floating strap that easily slips onto your wrist
This listing is for 2 (two) floating straps that fit most waterproof digital cameras and binoculars (camera/binoculars not included in the listing)
Each strap is made to float waterproof cameras up to 7 ounces/200grams

www.amazon.com/dp/B00JTE049K/
Cameras Deals

Amazon Coupons
PayPal Dispute Issue
Added on : Thursday August 14th 2014 10:00:15 AM
g: 0 Posted By: vishalj77
Views: 96 Replies: 6 I'm having some trouble with PayPal disputes recently - over international deliveries to certain countries. I have had 3 disputes so far in which all the items were delivered, but they took 45 to 60 days for delivery.. and the recipients would open a dispute within 4-5 days of shipment. I would let PayPal know every time that they should wait for a few weeks and then make a decision (yeah right) but they close the dispute and refund the payment to the buyer.

I have insurance on all packages, but the insurance company has denied all claims, because tracking shows they were delivered. I filed an appeal with PayPal (after a dispute has closed, you can file an appeal if the shipment status changes) and I've 'won' all the appeals - but this is the outcome of the appeal -

Status
After careful review of the new information you provided, your appeal has been granted.

What happens next
Please contact the buyer to have the refund issued from your account returned to you."

What's the point of an appeal if PayPal doesn't reimburse the seller? Do they really think a buyer is going to return the money or the product?

What would fellow FWFers suggest in this case? Small claims? I have emailed their executive team multiple times and have received no response.
Personal Finance Deals
Question about how the ACH system works, timing wise
Added on : Wednesday August 13th 2014 07:00:11 AM
g: 0 Posted By: swampwiz
Views: 24 Replies: 0 Here is my situation. I have my homeowner's insurance paid by checking account autopay, but I wanted to pay that by credit card this month so as to keep my checking account as lean as possible. But as it turned out, the damn insurer did the autopay anyway. Alright, so I got the insurer to do an autopay reversal (today on Wednesday) and of course I was given the boilerplate "3-5 business days" for the money to get back to my checking account.

I inquired as to when the insurer would put in the request to the Federal Reserve ACH clearinghouse, and was told that it would happen on Thursday, which I presume to be the overnight Thursday night. It seems to me that the Federal Reserve does the transfer right then in the overnight, with the transfer being received by the receiving back the next morning (here, Friday). The insurer representative also said that an ACH reversal is different from a regular ACH transfer or payment; this sounds like a load of BS to me.

Of course, there is also the issue that just about all banks (including mine) tack on a 3 day waiting period - I suppose, just because the law allows them. (It seems that in this situation, my bank will give me relief of these 3 days.) What is the deal with this 3 day period/ What is the reason for this?

And before some smarta33 tells me I should be keeping my wallet fat enough so something like this would not be a problem, the reason I am in this situation is because of the peculiarities of my situation involving chained Roth IRA rollovers, and admittedly misjudging the amount of slack I needed.
Question Deals
Stress Relief Scalp Massager - $0.95 w/ FS @ Mini In The Box
Added on : Tuesday August 12th 2014 03:00:02 PM
g: 0 Posted By: hellokitty27
Views: 67 Replies: 0 Mini In The Box has the Stress Relief Scalp Massagerfor $0.95 w/ free shipping. Color is randomly selected. Make sure to un-check the "Shipping Insurance" box to avoid being charged an extra $0.99.
Looking for insurance risk knowledge and Car Share ideas
Added on : Sunday August 10th 2014 04:00:07 PM
g: 0 Posted By: nyccpa
Views: 11 Replies: 0 Hi All,

I am reaching out to the FWF community to pick your knowledge and brains. I live in NYC and keep a car in a garage. A good friend of mine and I have been discussing starting a car share where he would generally have whatever access he wants to my car when I am not using/needing it. There are two issues: a) insurance concerns and b) cost structure

Car - 2007 Hyundai Santa Fee, 93k miles
My fixed expenses for the car:
$820 for insurance
100 per month for parking (after effective tax benefit)
Total = $168 monthly, $2,016 yearly

A) Insurance concerns:
My main concern around this is if an accident happens, and my insurance skyrockets (from $800 a year to 2k, 3k, and up) or I become uninsurable as a result. I have Geico - I called Geico to ask if I can add my friend to my insurance as he may be driving my car sometimes. They had no issue with it and adding him did not result in a premium increase. However, when I asked them is it easy to remove him if he no longer needs my car they seemed to have some issue with it, indicating they would need proof that he is insured elsewhere (meanwhile he doesn't have his own car...). Does this make sense to anyone? Also, are there any pitfalls that I am not thinking of here?

B) Cost Structure:
I was thinking something like a flat fee per month to have access to the car and share in the fixed costs (70-100), which would also allow some kind of estimates miles. I was worried tons of mileage could get put on if he took a ski trip or something to Vermont and put on 500-600 miles, so I was thinking there would be a charge for miles above the miles allotted for the "fixed costs miles."

I welcome any ideas/risks on the above. Am I being penny wise, pound foolish in even considering taking on this kind of risk? I also have a side business and could potentially create some kind of empoyer/employee relationship and having the business insure the car, etc... but I know nothing of this area.

Thanks in advance,
David
Discussion Deals
Car Insurance- Saving money- More drivers
Added on : Sunday August 10th 2014 12:00:07 PM
g: 0 Posted By: savvydollar
Views: 59 Replies: 1 Hi
I was wondering, can you add your friend to your car insurance and combine the policy? Can you add a Friend(Married Couples) to your policy and combine car insurance? does it save money? We live at different addresses, but same city. I am from texas.
Question Deals
Small car accident, adjuster issue.
Added on : Friday August 08th 2014 07:00:07 AM
g: 0 Posted By: unnamedny
Views: 34 Replies: 1 I was rear ended while driving in slow moving traffic on high way. Car is drivable, little damage to front and rear bumper cover (got pushed into car in front of me). I decided to go with insurance of driver who ran into me. Make it short, I scheduled an adjuster to come and take a look at car on 7/31.I parked car at my Body Shop on 7/30. I was supposed to get confirmation call from that independent adjuster on 7/30. No one ever called or showed up the following day. I called insurance company and they have rescheduled for adjuster to come on 08/05 and he did. As of now he still did not send anny details back to Body Shop on the damages or to insurance company and its friday now. My car was supposed to be out of the shop next week, instead its going to take another week to fix it at its best. Can I claim anything from that independent adjustment company? Should I claim anything from driver's insurance? Should I just pick up my car and drive it until its all settled?

It's not a big deal, but it just seems to me that someone is not doing their job property. I also needed a car next week and now I have to borrow it from relatives.
Having a vehicle totaled after an accident
Added on : Thursday August 07th 2014 07:00:06 AM
g: 0 Posted By: dcmorrin
Views: 168 Replies: 2 Not sure if this is correct forum

My wife was in car accident yesterday (other driver ran a red light) and the car may likely be a complete loss.

What do I need to know?

Which insurance company should I deal with?

Can I negotiate the value of the vehicle?
Personal Finance Deals
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

When I got shipped off to boot camp, I was making about $400 every two weeks. I always thought to myself how much more I had made in the civilian world. But I wasn't taking into account what didn't show up in my paycheck. Here are 10 big financial benefits of serving in the military:

Training. Depending on your service and military occupational specialty, you'll get up to two years of training before reaching your first duty station. Much of this training translates straight into college credits -- and it looks great on a rsum.
Retirement. The military is one of the last employers in America to offer retirement plans. After serving a mere 20 years, service members can choose to separate with 50 percent of their base pay every month for the rest of their lives. If they're eligible, they can stay up to 30 years to receive 75 percent of their base pay, and high-grade officers can retire with 40 years to receive 100 percent.
Health care. While serving on active duty, service members and their families (spouse and children) will have free health care through Tricare so they are in the peak physical and medical condition they need for their jobs.
Dental. Dental is free for service members, because good oral hygiene is necessary to maintain a deployable status.
Commissary. The commissary is pretty much just an enormous grocery store, with better-than-WalMart (WMT) prices (most of the time). They also have enormous "lot sales" every so often where they have blowout prices of stuff you actually want.
Basic Allowance for Housing. When you're a low enlisted rank, they'll stick you in the barracks (or dorms in the Air Force). The barracks, as terrible as they may seem at the time, save you so much money it's incredible. Typically, they're in the same parking lot as your workplace, so the commute is eliminated. Utilities are included, too. And you don't need to write a check for rent and worry that you won't have enough money, because the basic allowance for housing is granted to all military members. The allowance also gives you the ability to rent a house off-base or to use base housing.
Tuition assistance. Depending on your branch of service, you could be eligible for up to $4,500 per year toward college classes. By taking full advantage of this, you could have an associates's degree in one enlistment and a bachelor's in two. And don't forget that you could earn college credit for your training through the College-Level Examination Program or Defense Activity for Non-Traditional Education Support.
The GI Bill. Typically used after separation, the GI Bill allows you to go to college at no extra cost to you. During the first year of your service, you will pay $100 per month toward the GI Bill. After that, you owe nothing. Service members can choose among two versions (the Montgomery GI Bill and the Post 9/11 GI Bill), and there is a way to get a few extra free credit hours if you switch between them in a specific way. It's also transferable to your spouse or children, although you need to serve at least four extra years after the election has been made.
Thrift Savings Plan. If a pension plan wasn't enough, military members have access to the retirement savings plan, with a traditional and Roth option. It bases allocations on stock indexes and has extremely low operating costs -- read: very, very low expense ratios.
Veterans Affairs loans. VA loans resemble Federal Housing Administration loans -- with a few awesome advantages. These include no down payment and no mortgage insurance requirement. They also usually let you have access to the best current rates available. And you maintain this benefit for life. Married to another service member? Then you each get your own VA loan to use.
Other benefits include military discounts (thank you business owners!), networking (you'll meet hundreds, if not thousands of people during your tour), experience (management and occupational), VA benefits and free simple income tax filings.

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
Car rear-ended, most likely totaled-Need advice
Added on : Wednesday August 06th 2014 01:00:12 PM
g: 0 Posted By: ShakuniMama
Views: 172 Replies: 1 I was in an accident last week where our car (Honda Accord 2002) was hit from behind while slowing down for red light on a city road.
I managed to steer my car to the sidewalk and managed to avoid hitting the car in front.
The driver of the car behind me hit our car so hard that it is most likely being totaled.
Air bags did not employ and seat belts did not tighten so both of us were thrown forward with the impact but did not hit the dashboard.
Hewas probably texting as the only explanation I could think of as to why he accelerated instead of applying brakes.

Police was called and I was taken to ER due to back & neck pain and was sent home on painkillers after some tests.
DW also had back pain and was taken to ER later in the day and was also sent home on painkillers after some tests.

Insurance information was exchanged and police also took both driver's information but did not give any reports (Guess I have to pay & apply for the report).
I reported the accident to my insurance,they took my recorded statementand our car was towed to our place. Later I uploaded the pictures at the scene of accident to our car insurance website.
Next day, I called the other driver's insurance and they took my recordedstatement.(by this time the other driver have already given his statement/pictures to his insurance).
They mentioned that most likely the car is totaled and it might need to be towed to their place for appraisal.
My car had about 72000 miles on it and was very well maintainedand probably still had another 10 years in it.I regularly receive offers from Honda dealer for about $5000 but it looks like the Kelly BB value is only $3500.

I had "full" insurance on this car for 11 years till about two months ago when I took some advice from this thread and dropped collision coverage, PIP to $5000 and converted full tort to limited tort.
Meanwhile, my insurance has sent me tons of paperwork to fill out regarding PIP which I don't understand.
This includes various forms including Medicare/Medicaid status inquiry form, wages & salary verification and attending doctor report etc.

I need advice aboutfuturecourse of action so as not to get screwed in future by insurance companies etc.
Also, how much "cash value" can I get for this car?

Thank you for reading.
Question Deals
Paradise Beach Club Vacations screwed me at the last minute
Added on : Wednesday August 06th 2014 10:00:08 AM
g: 0 Posted By: jonle
Views: 69 Replies: 0 On Dec 3rd, 2013 I booked a 2 bedroom condo at Wyndham Waikiki Beach Walk via VBRO - Paradise Beach Club Vacations. I paid $1895 for rental from 8/12-8/19 2014.
On 7/27 I received an email fromPBCV with topic "Regarding prior notices - 3rd and final email" with the below content:
On Sun, Jul 27, 2014 at 7:57 AM, vrbo 332900<vrbo332900@gmail.com>wrote:
Dear Guest, This is our final notice to you regarding your reservation. We have sent you 2 attempts to contact you regarding your reservation.We are advising all our guests that due to circumstances beyond our control that have just recently arisen. We are not able to provide to you the accommodations that you have reserved in Hawaii. We sincerely apologize, however we can provide you California, Florida and or Mexico. We realize that this could be a inconvenience to you. For some of you this may be coming at a late date. . We will be sending within the next 30 days a refund voucher that you will be able to use with available dates for these locations for your future travel.Obviously if Hawaii is your only destination then you do have the choice of cancelling this reservation through your credit card company. (please contact them directly if this is your choice )Please contact us by email if you would like to rebook for one of the above listed locations.Again our sincere apologiesThank youCustomer Service Department

I have been calling and emailing demanding a full refund but PBCV insist on issuing me a voucher which expire in 1 year.
What can I do to get full refund? I had a contract signed with PBCV to book the 2 bedrooms.

Below are the corresponding emails:
Dear Jon
As the email states there was a issue, but we have sent everyone notices. Please let me know
as to a location that we can plan a future date for. Again we can rebook you for one of the locations listed in the prior emails
Jeff
Customer service

Dear Jon, I understand you just called I tried to pick up the line but lost you. From what I understood you have not received or understand instructions regarding your reservation. As it states in the prior email as well as notices sent. That if Hawaii is your only destination and you are choosing not to accept the refund voucher for accommodations. We would like to accommodate you in one of our places that were offered. We do not understand as why you are responding at such a late dates as this was the 3rd notice for refund. As it stated in the original reservation on of the terms that was stated is to buy trip insurance, if you did please contact your instance company. Or please alert me to a destination as per the email that was sent to you for a future location and date.
Please respond by email.
Thank you Jeff

http://www.tripadvisor.com/ShowTopic-g60982-i38-k7171324-Paradis...

Jeff,
Had I received any of the prior notices, I would've acted right away
like right now with this serious matter. How can anyone overlook at
such issue when my vacation had been ruined before it even started?
I really need the money credit back to me, because I can't make
payment on my credit card with this new balance. I had to frantically
booked for 2 rooms at an outrageous price with such short notice and
peek season. That's why we planned ahead and booked ahead back in Dec
'13.
Also, my family does not take a vacation every year, we can only
afford every other year to travel far.
Please understand my situation, your company had held on to my payment
for the last 8 months and had not delivered based on the contract.

Regards,

Jon Le





Discussion Deals
Vengeful insurance company pays $21K claim in loose change
Added on : Wednesday August 06th 2014 10:00:07 AM
g: 0 Posted By: svap
Views: 196 Replies: 1 An insurance company in California paid a senior citizen $21,000 in loose change after he won a settlement against them...
Eight of Adrianas Insurance employees delivered the five-gallon containers, which were full of nickels, dimes and pennies

http://www.nbclosangeles.com/news/local/Insurance-Company-Delivers-Settlement-in-Buckets-of-Loose-Change-269896301.html
General Economics Deals
liability only insurance for a rental property
Added on : Tuesday August 05th 2014 02:00:12 PM
g: 0 Posted By: echo4747
Views: 41 Replies: 1 I currently own a home (2 unit) that I currently rent out. Landlord policy premiums keep rising at a high rate. I can afford to assume all the risk of any/all property damage which could occur. The only thing that I'd rather not assume is the risk of a tennant ,visitor, claim they got hurt on the property and sue. Has anyone found any insurance companies that write liability only policies for rental properties?
Question Deals
g: 0 Posted By: CapEx
Views: 184 Replies: 7 Hey All

I'll try to sum this up quickly as I can. I was on a flight, that due to a weather diversion, caused me to misconnect late at night and required a night's stay at the airport hotel. I'm trying to successfully file a claim on my Chase MileagePlus card for Travel Interruption coverage. This trip was originally booked with SGN as the destination (purchased with my eligible card) and changed over to DXB (change fee and additional airfare also paid with the eligible card). I have provided all the requested information to card benefit services (which I believe is an affiliate of Visa), such as the hotel statement, the credit card statement showing the purchase, and the intinerary to DXB.

The issue is arising from the fact that:
1. They keep requesting the original itinerary to SGN, which doesn't exist anymore as United changed it over to DXB
2. A letter from United explaining that there was a delay

I have called United several times and sent requests to apparently the junkmail box (delayletters@united.com) but can't seem to get any written documentation from United directly (although there are numerous other sources I could provide to prove the flight was indeed delayed which are not acceptable to card benefit services). In addition it's impossible to get the original itinerary to SGN. Card member services has been beyond unhelpful, simply retelling me what the 'claims officer' is requesting for my file and refusing to let me talked to a claims officer or a manager.

I've exhausted a lot of time and effort going back and forth. I've even called Chase to see if they had any ability to move this along, but they confirmed card benefit services is a contracted 3rd party used to deal with the insurance coverage provided by the card. It seems a little fraudulent to provide an insurance coverage in which a claim is nearly impossible to prove to receive coverage.

At this point, what are my options? Get an exec's email/phone number? Small claims and hope a company lawyer calls to settle?
Personal Finance Deals
g: 6 Posted By: MoogLiberation
Views: 1260 Replies: 48 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.

Edit: A few more details:

I was already on short-disability for 3 months while I was receiving and recovering from radiation and chemo. Surprisingly, I was very responsible and elected to pay for the extra long-term disability insurance which pay 60% of my salary.

I have pretty good private health insurance with an out of pocket maximum of $1,650 that I literally hit on January 2nd because I was receiving radiation and chemo at the time. I maxed out my FSA at $2,500 for the year as well.

I have no idea what kind of benefits I would be entitled to through SSA/SSI. Does anyone know how I can figure that out?
Discussion Deals
g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.
Discussion Deals
g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.Harwood Service Co. has no website, no independent offices and only a single registered agent. The switchboard operators at Nationstar's headquarters in Lewisville, Texas, haven't heard of Harwood. Call-center employees of Assurant Inc., the insurance carrier whose policies Harwood sells, say the company is just a name used to refer Nationstar business.Only one thing justifies Harwood's nine-figure price tag: The ethereal company has long collected commissions on high-priced insurance that Nationstar compels otherwise-uninsured homeowners to buy. If homeowners can't pay for this "force-placed" coverage, Nationstar forecloses on their homes and sends the bill to mortgage bond investors.New rules by the Federal Housing Finance Agency, investigations by state regulators and class-action settlements now prohibit servicers from collecting commissions on such insurance policies, and the country's biggest brand-name banks have renounced the practice.But some large subprime-mortgage servicers appear to be trying to skirt those rules. They are selling or have sold the nearly nonexistent insurance agencies or have already made profitable business arrangements to try to comply with the new rules.The multimillion-dollar deals illustrate how regulators are still wrestling with messy banking practices more than six years after the housing market's collapse. They also mean that newly sold insurance subsidiaries have an incentive to compel struggling homeowners to buy costly policies, to justify the high sales prices commanded when the insurance agencies were sold.Harwood collected more than $40 million last year on more than $200 million worth of insurance billed to homeowners, according to two people familiar with Nationstar's confidential sales pitch for the business but who spoke on condition of anonymity because they were not authorized to discuss it.Force-placed insurance is a type of backup property insurance meant to protect mortgage investors' stake in uninsured properties. Standard mortgages require borrowers to maintain homeowners insurance and authorize the loan's servicer to buy coverage when borrowers don't. If the borrowers don't pay for the new insurance, servicers foreclose on their properties and stick the bill to mortgage investors.Nationstar's first attempt to sell its affiliated insurance agency fell through early this month after The Associated Press raised questions about the deal, prompting New York's Department of Financial Services to take a look. Nationstar is still seeking to sell the insurance agency, said one person who is familiar with its efforts and requested anonymity to discuss its business affairs without authorization to do so publicly.Nationstar declined to discuss details of Harwood's business.In court, however, Nationstar has opted not to fight to defend its arrangements. Earlier this month, Nationstar and Assurant Inc. reached a deal to settle a class-action lawsuit in the U.S. District Court for the Southern District of Florida that alleged Harwood existed solely to "funnel profits" to Nationstar at borrowers' expense.It's unclear how or whether the Federal Housing Finance Agency, the industry's principal U.S. regulatory agency in Washington, will respond to such sales. In a statement, it expressed concern about the deals. But it said it could not stop servicers from selling their insurance agencies, even as it said it would work with Fannie Mae and Freddie Mac if the companies were circumventing the new rules.The nation's third-largest servicing company, Walter Investment Management Corp., disclosed in its Securities and Exchange Commission filings that rules banning commissions will cost it roughly $20 million a year and said it was "actively looking at alternatives" to giving up the cash. A spokeswoman, Whitney Finch, declined to explain further but said the company would comply with all rules and regulations.Another company, Carrington Mortgage Services LLC of Santa Ana, California, didn't sell its insurance agency. It just agreed to let someone else collect the profits.In an Irish bond prospectus filed last year, Carrington's parent company disclosed that a buyer had paid it $21.25 million in late 2012. If Carrington doesn't send back at least that amount to the agency's buyer in commissions, it will have to give back some of the money it received.Carrington executives denied that its obligation to deliver $21.25 million of commissions would in any way affect homeowners or mortgage investors, and noted that it is not subject to the finance agency rules because it services loans owned by private investors. In its Irish prospectus, however, Carrington warned that some regulators believe the commissions "may constitute an improper 'kickback'," and added: "Should any regulator decide to take action, we may be forced to pay restitution."

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Insurance Loss Values
Added on : Friday August 01st 2014 12:00:06 PM
g: 0 Posted By: NEDeals
Views: 150 Replies: 0 I'm helping out with an insurance claim. The insurance company needs a list of items that were damaged and their values. The list is easy enough to create (everything that was waterlogged), but how do I find the values? Is there an acceptable value schedule for the insurance industry? I don't want to overestimate nor sell things short either.

I'm curious if anyone has suggestions about where to find values for common items (furniture, books, personal effects, etc) that are found in homes.

Thanks!
Question Deals
Getting married... Looking to re-examine all our insurance
Added on : Friday August 01st 2014 05:00:09 AM
g: 0 Posted By: vnuts21
Views: 113 Replies: 1 My fiancee and I are getting married next month and I would like to take this as an opportunity to re examine all of our health insurance, HSA contributions, etc. Is therea good resource that would help us pick the right medical insurance based on our employer options? I work for the government, and she works for Johnson and Johnson.
Personal Finance Deals
Trustage auto insurance for credit union members
Added on : Thursday July 31st 2014 04:00:07 AM
g: 0 Posted By: sam008
Views: 59 Replies: 1 Guys

Yet another letter in the mail that claims they can save me $450 over Geico prices since I'm a credit union member. Before I go through all the calls giving them my details to run a quote, has anybody has experience with this company and its rates - they are supposedly partnered with liberty mutual

Thanks
Discussion Deals
liability insurance for rental property
Added on : Wednesday July 30th 2014 07:00:08 AM
g: 1 Posted By: bxd20
Views: 105 Replies: 1 Hello.

My mom just passed away. My parents have a small (888 sq ft) house in FL. My dad is older now and he won't be traveling there by himself for vacation. So the options are to sell it, or, turn it into a vacation rental property and list on vrbo / homeaway.

I am trying to accurately break down all costs to rent it out. We'll need a property manager that is local obviously. There will be things that break, maintenance, etc.

The main focus for my thread however is insurance. This house can't be insured due to proximity to beach and the general hurricane threat. I am willing to risk losing the structure to storm. However, I'm not keen on a renter getting injured and suing me. Let's say my property manager really missed something semi-dangerous, a screw that backed out of the carport supports. Renter walks into it, big gash on head, thousands in hospital bills. Or worse.

What are my options? I am not very familiar with liability insurance or umbrella insurance. Are those what I should be looking at? It would need to protect all of my dad's assets against a freak accident . My dad and I are both quite risk averse, so the idea is a little worrying. But the area is in good demand, there are other homes on vrbo, and it would be a nice income stream.

All comments are appreciated!
Personal Finance Deals
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

Her current situation:
Age 67. Divorced 40+ years ago, never remarried.
Her mother recently died (which is what is driving her to reconsider her current financial situation), leaving her a small inheritance. On the order of $50,000 already received, with another $100,000 to $200,000 still being sorted out.
She bought a smaller 2 bedroom condo in Chandler, AZ about 13 years ago (before the bubble), paid about $60k for it. In the time since then it doubled in value, then dropped again like everyone else's. She recently paid it off with the initial proceeds of her inheritance. She hasn't kept it current and modern and it sounds like it needs a little work, but we didn't get into details. In her mind it would sell for $35,000 to $40,000, but according to Zillow and Trulia it's worth right at $90,000.
Still working at the same job she's been working at forever (dozen years or more), recent pay raise to about $15 / hour. Raises haven't been plentiful nor numerous, and she said that over the past ten years she's been averaging between $24,000 and $28,000 per year income. I include this information to help with the Social Security calculations.

Needless to say, she's risk averse, and doesn't have the means to replace her inheritance if it vanishes. One of her concerns is that she leave me something when she eventually passes (insurance policy), but I am doing ok for myself and would rather she live a fuller life.

I asked her about the possibility of having a studious college age young woman share her condo (ie, roommate situation, not sure that's the right term when you rent to a college age kid), but she is very much against that idea.

-=-

Some of my math:
Condo breakdown : PITI - PI = ~$400 / month. Taxes = ~$40 / month. Condo fees : $170 / month. Since the condo just got paid off the $400 / month is no longer, but I mention it for baselining historical expenses vs income.

Her monthly take home has been somewhere in the $2,000 / month range, which defines her monthly outlay. She was paying all her bills from that, has no debt, but no real savings either. Thus I estimate her monthly was roughly $1900 / month including the condo $400 / month, meaning she could continue her current standard of living on roughly $1500 / month, not indexed for inflation.

Given that her mother just died, if her mother was 87'ish, I would estimate her savings would need to last her 20 years (plus or minus).

She's of the age to go onto Social Security without the 'retire early' penalties. I used the quick SS estimator to ballpark her monthly SS benefits at approximately $1150 / month. Thus she needs another $350 / month to maintain her current lifestyle, but honestly she's been living it pretty spartan and I'd like to see her have a little more to enhance her life (ie, she may not run the air conditioner in order to save money, even in the Arizona summer.)

Options include :
- The Vanguard investment fund mentioned in the last post (someone in NYC asking what to do with $250,000), so her $150,000 +/- at 4% would yield $6,000 / year ($500 / month) in passive income pretty much forever without touching the principle. Is sufficient, actually, but doesn't index for inflation so she may run thin later on in life when groceries / gas / whatever gets more expensive.
- Reverse mortgage. Requesting ideas and discussion on this one, as I'm not familiar with it from a practical perspective beyond the commercials on TV.
- I considered buying her condo from her at a price somewhere between what she thinks what it is worth and current market value, let her live in it forever (she intends on leaving it to me in her will, but if it is still in her name when she gets to means tested assistance (medicade, etc) the will likely take it from her and she won't have anything to leave behind for me, one of her concerns.) If I buy it from her now, that money can go into her investment fund (returning 4% or whatever) to increase her standard of living for the long run, and when it is finally time for her to pass I will still own it, 10-20 years from now, as it was mine, not hers for the government to liquidate before they provide her with means tested assistance. I don't know how all that works (arms length transaction is the phrase that comes to mind, but if I buy it for fair market value we weren't trying to hide it or anything.) If I have the means to buy it from her (without ripping her off), please compare and contrast this vs Reverse mortgage.
- Annuities - I've heard the phrase used plenty of times but generally in a news piece about an elderly person getting scammed. Requesting some real guidance and experience here to keep that from happening to her.

Finally, she could keep working a few more years, but does that really buy her anything. In other words, if she postpones retiring / going on SS for another two years, will her SS benefits be more each month, or would she get the same as if she retired today (thus she can decide whether she wants to stop going to work today and between her SS and investment income still have enough to live on.) ARG!!! According to this (http://www.ssa.gov/retire2/whileworking.htm ) she could have started receiving full benefits a year ago (when she turned 66) regardless of her income from work. Double ARG!! - she can apply for it retroactively, but they only back-pay 6 months worth. ARG!!! - Any advice here?

Actually given that I know that, I'm going to get her to start the paperwork on her SS, get her back pay and she can augment her monthly income by that $1150 / month (she will feel rich!). I figure she will work another year or two (or as long as they let her keep coming, she's a trooper!) But what about after that...

In light of all that, please help me point her in the right direction.

Thanks much,
Dell4600
VEHICLE REACQUIRED - Title??
Added on : Monday July 28th 2014 01:00:07 PM
g: 0 Posted By: DEAL007
Views: 33 Replies: 0 Looking to buy a vehicle from a used dealership and on the carfax of this vehicle it states
VEHICLE REACQUIREDVehicle reacquired by the manufacturer pursuant to applicable state consumer warranty laws or to promote customer satisfaction.

so i asked the dealer what does that mean and he said
We bought that car directly from Lexus. The original owner complained because they were having to have something fixed under the warranty and even though it was repaired the manufacturer stepped in to make sure the customer was happy and bought it back from them. This happens all the time especially in certain states where the law is very consumer friendly. These cars are known as manufacturer buy backs. We love the Manufacturer buybacks and we buy them whenever we can. What happens is after it is repurchased by Lexus it's owned by them and they go through the whole car and make sure everything is exactly as it should be and then they sell it to us or another dealer with a guarantee that there are absolutely no existing problems with the car. That's one of the reasons why we like them. The other reason is because when we buy them from Lexus we can buy them for a little under what they would typically cost with that low of mileage this means we can sell them for a better price
Then i asked him about , does it have full warranty and he said the following it has the factory Lexus warranty that you would get on any Lexus. The Arizona title will indicate that it has been bought back by the manufacturer but it's not the same as a salvage title. You can still finance a buyback as well as get full coverage insurance and of course it has a factory warranty.

anyone have any experience in this buy back and your thoughts on it. i have never heard of this manufacturer buy back title.. shouldnt it be just a clean title as anything other car with normal repair.

Are All A+ Life Insurance Companies the Same?
Added on : Friday July 25th 2014 08:00:08 AM
g: 0 Posted By: wonderwoman1978fl
Views: 125 Replies: 1 Hi Guys! I am about to purchase life insurance and I qualify for an A+ company. Are they all created equal? Any one company better to deal with than another? Any company I should stay away from?
I always learn so much from all of you... Thanks for the help!
General Economics Deals
Health Insurance just for accidents/emergency room visits?
Added on : Friday July 25th 2014 06:00:15 AM
g: 0 Posted By: Bizatch
Views: 42 Replies: 0 Currently have a high deductible health plan with a $10k deductible. I'm a married man with 2 young boys. I'm guessing that one of the most likely ways I get hit with a $10k bill is if one of our family members has some type of injury and needs to go to the emergency room.

Is it possible to get a supplemental health insurance policy that JUST covers accidents/emergency room visits? It would only need a $10k limit, as my regular HDHP would pay 100% after that. Can this be attained at a reasonable cost? Is it worth getting?
Question Deals
New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership apparently).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

If you just say you're a customer and not an agent to the first person that picks up it's possible a receptionist could say something dumb like "we only work with agents here not customers."

Wait until you have a wholesaler on the phone to explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each wholesale(as opposed to retail) case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really bring pressure on a senior underwriter to move a client from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal retail case they'll push a lot harder than if it's wholesale case with an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
Shopping Life Insurance Tutorial Update
Added on : Thursday July 24th 2014 01:00:06 PM
g: 1 Posted By: dshibb
Views: 12 Replies: 0 Carryover from discussion elsewhere and big thanks RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

Then once you have that person explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really push on a senior underwriter to push someone from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal case they'll push a lot harder than if it's an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
over refunded on home owners insurance
Added on : Wednesday July 23rd 2014 07:00:05 PM
g: 0 Posted By: jaykull
Views: 66 Replies: 1 I sold my house last month and cancelled my home owners insurance. The insurance company sent me 400 too much. Got a letter saying I owe the 400, am I obligated to pay this back?
Question Deals
Life insurance - where to start?
Added on : Tuesday July 22nd 2014 05:00:07 PM
g: 0 Posted By: peteron
Views: 130 Replies: 0 Hi Fwers, the other day I read an article on the cost of raising a child in the states, and the article has the idea of buying life insurance, so that the financial security of a family wont get hurt if anything bad happens to the parents. My wife and I are both in the 25-30s, and I recently started to work. My wife is in her final year in graduate school. We have a 2 year old. I never had any experiences in life insurance, and I donot think my parents have ever had it for themselves or me. My wife and I donot have health problems, but I had a chronic disease when I was little. I was treated but not cured (since it is not curable), so there might be a chance it may come back. And you know, bad things could happen to good people...I feel I (and mybe my wife as well) need to get into the life insurance market.I sometimes get ad booklets from my bank (alliant credit union), but I never looked at it. I want to hear about what people here say about buying life insurance. Where should I start? Are there any good options now?
Question Deals
g: 1 Posted By: PhatWallet123
Views: 165 Replies: 0 Just received a Promo for 2015 Nissan Leaf. Have to say the Promo Code "PR434" to get the deal listed below.

Percy at Town Center Nissan cell 404-819-4800 is doing 24month leases for 2015 Nissan LEAF S models for$209 with VPPor$249 non-VPP & $240 with QC with VPP or $289 w/o VPP.The normal conditions apply - $0 down payment, 12,000 miles a year, $395 disposition fee, etc.

This is the lowest I have seen being offered in Georgia.

The Math:
Total Payments: $5,016 (or $209 x 24 months)
State Income Tax Credit: $5,000
Increase in Insurance: $400 (YMMV)
Gas Savings net Added Electricity: $2,040 (YMMV but for me, it's at least $110/mo average gas cost minus net the added $25/mo electricity bill)
Disposition Fee: $395
Special Tag Fee: $60
Total "Profit" = $1,169
Services Deals
Full Travel Insurance on Credit Card
Added on : Sunday July 20th 2014 02:00:07 AM
g: 0 Posted By: europea
Views: 5 Replies: 0 Can anyone confirm a US credit card which offers full medical travel insurance? I'm late 20s and have been working overseas since college. I've gotten quite used to the full insurance on my Australian card
http://www.anz.com.au/resources/1/e/1e671c004451aa4a80a2eefb15aa... : said: We will cover you for: (a) medical, hospital and ambulance expenses you incur as a result of an illness, injury or death; or (b) dental treatment expenses you incur as a result of an injury to healthy natural teeth; that you suffer while you are overseas, or onboard a cruise that includes a scheduled stopover at an international port.

Since I'm heading back to the states next year I've been looking through all the usual banks and posts here (and some of the less usual ones) but have not had any luck. All the travel insurance seems to be limited to "common carrier" insurance. For instance, the ML benefits description is as follows:
[S=https://card.ml.com/cms/published/root/rps/pdf/Online_MERRILL_Pl... said: https://card.ml.com/cms/published/root/rps/pdf/Online_MERRILL_Plus_Insurance_Benefits_July_2014.pdf:]"As[/S] a Cardholder, you, your spouse or domestic partner and your dependent children will be automatically insured up to one million dollars ($1,000,000.00) against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any Common Carrier on which passage has been purchased for the Insured Person;"
(Emphasis mine)

My first post
Credit Deals
u can buy gold coins with credit cards.
Added on : Thursday July 17th 2014 02:00:13 PM
g: -4 Posted By: nicj4070
Views: 234 Replies: 3 Does that give anyone any ideas? The guy with the most credit cards, "mr plastic", according to google, has `1500 of them. This is by far the best emergency fund/medical insurance that you can get.
New User Question Deals
g: 0 Posted By: solarUS
Views: 189 Replies: 3 buyinga house. title company provides closing statement that shows a "doc prep fee", among other fees. I know these are negotiable, plus their statedfees are generally higher than I've seen recently, so I ask them to reduce it. they refuse, citing the fact that i am not buying title insurance. their verbiage is:

The doc prep fee is typically waived with the purchase of an owner's title policy. Unfortunately, you are not purchasing the Owner's policy and we are unable to waive this.

it seems like a racket - they literallycharge you for not buying their insurance. the closing is tomorrow, so it isnt like I can just shop another title company without a great deal of hassle. does anyone have any good [legal or pseudo-legal] arguments that might persuade them?
Question Deals
Do I have to pay out of pocket for this
Added on : Thursday July 17th 2014 04:00:09 AM
g: -1 Posted By: ecomajor
Views: 168 Replies: 4 This will be a somewhat long story but please be patient. Also please read the attached contract, in particular paragraphs 2 and 4.

In December 2013 my chiropracter prescribed me a TENS machine (google it) for my back pain. My chiropracter ordered it from an out of network medical devices provider.
I signed a form (attached) that basically stated that I was not personally liable for any amount that my insurance company didnt cover. Additionally, since they were not an in network provider any payments would be sent to me and I was responsible to send them to the device company.

All seemed fine, but I never received any checks from my insurance company.

Last week I receive a letter from the device provider asking me to please forward the money as they say that the insurance company has paid the claims.

I call my insurance company and ask where are my checks. They tell me that they approved the claims but that I would not be able to receive any funds as we had a debit balance with them. This was news to me. They said that they had mistakenly sent checks to our sons physical therapy provider (the city) a couple of years ago and they had asked us to get back the money and we had never gotten back the money from the city and therefore we owed that money to our insurance company and any future out of network payments would be debited against that balance.

First of all, it was the insurance companies fault that they overpaid on my son's physical therapy provider. Second of all we had long ago requested the agency to take care of getting back the money but apparently nothing ever happened.

So the medical device company says that the claim is "paid" because it counts against our balance and that we have to pay out of pocket (eventually we hope to get the money back from the city). My arguement is that the contract explicitly states that we have to forward any monies received which we never did. I have no problem paying them once I get paid by the city, but I dont think its right that I should have to pay out of pocket when I explicitly signed a contract that I only have to forward money received.

Can I get the devices company for unfair collection practices or get them to postpone the debt until I actually get paid by insurance or do I need to pay them now.

Thanks for reading.

Personal Finance Deals
Financial implications of injury from auto accident
Added on : Wednesday July 16th 2014 04:00:08 PM
g: 0 Posted By: WhamBamTk
Views: 115 Replies: 0 Hello Fatwallet,

Please excuse the throwaway.

My wife was involved in a small car accident. She was rear-ended while stopped at a crosswalk. The other driver was cited.

The accident was at a relatively low speed. The other driver's car hit our trailer hitch and had some front bumper damage. Our car had some chipped paint on the bumper. No big deal; it's older.

She was experiencing some neck pain at the scene and was transported to the hospital via ambulance for x-rays. She already receives SSDI for an issue that - in part - involves her neck.

We have two uncertainties at this point:

1.) We are afraid about how our health insurance will treat this in the long term. That is to say, after this is all sorted out with the car insurance companies, would they ever blame long-term neck issues on the accident and deny payment?

2.) Is this something that requires a lawyer? The medical effects from this accident appear minor at this time, but we will know more later. Right now, we are not looking for anything but the payment of medical bills. We will not know the full extent of those for at least a few months.

I haven't seen a scenario like this on previously posted threads and would greatly appreciate any advice.

Many thanks.
New User Question Deals
MetroMile: pay-per-mile auto insurance (CA, OR, IL, WA)
Added on : Wednesday July 16th 2014 09:00:08 AM
g: 0 Posted By: jimbobob
Views: 14 Replies: 0 Fellow FWFers- A new insurance company called MetroMile charges mainly based on mileage driven. Unlike previous competitors, they claim to charge solely based on the number of miles driven and not on one's driving style. MetroMile provides a device that plugs in to the car's OBD2 port and logs data from the GPS connection. The website also has some slick features that show data about your driving. They were featured in TechCrunch today so I checked out the rates, and found it to be a better deal than what I'm getting now.

Their website ishttps://www.metromile.com. The estimate provided to me was about 30% less than the cost of Wawanesa/Geico (I'm in California).
Compare mortgage offers
Added on : Tuesday July 15th 2014 04:00:13 PM
g: 0 Posted By: steveb10
Views: 47 Replies: 0 I am in the process of buying a home. I have pre-qualified with aimloans and in the process of being pre-approved. I also looked into a local broker and received a fee worksheet. It looks as if aimloans is cheaper by about $1k, but I just want to make sure I am not missing anything. If you see something, please let me know.

Location: Alabama
Purchase price of home: $160k
Loan Amount: $112k
Interest rate: 4.25%
Conventional 30 yr

Aimloans:
Lender Fee: $1,995
Lender Rebate: ($2,291)
Appraisal: $395
Flood Cert: $5.50
Credit Report: $16.75
Tax Service: $61
Owner's Title Ins: $500
Lender's Title Ins: $725
Recording Fees: $76
Tax Stamps: $216

Total: $1699.25

Local Broker:
Fees: $1,010
Appraisal: $450
Flood Cert: $14
Closing Protection Letter: $25
Title Examination: $125
Closing Fee: $300
Owner's Title Ins: $250
Lender's Title Ins: $25
Recording Fees: $85
Tax Stamps: $281

Total: $2565

Does anyone know why the Lender's Title Insurance is so much lower with the local broker? Is this something he would jack up at closing without me knowing? I am still learning about mortgages, so any comments or help would be much appreciated. Thank you!
Real Estate Deals
Does IRS recognize a foreign marriage certificate?
Added on : Tuesday July 15th 2014 12:00:08 PM
g: -1 Posted By: stuckinlimbo
Views: 149 Replies: 8 Due to the marriage penalty tax, my SO and I have chosen not to get married on paper. Everything has been good these last few years (we saved about 7k in taxes so far), but recently with Obamacare, her employer sponsored health insurance cost has gone up drastically. For a procedure that used to cost $250 out of pocket, we are looking at $5k now this year (the benefit was basically cut from her plan). However, under my health plan, the OOP cost would be $500. I would like to add my SO to my employer health plan, but need a marriage certificate to do so. If I got a marriage certificate from another country, would the IRS recognize it which would then force us to file as a married couple?
Tax Deals
Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

My Debts:
Home mortgage FHA @ 3.5% which is on the second year and already have paid off 10K in principle out of the 145K loan. This was a 30 year loan and the minimum payments is $1050 a month. This payment includes home insurance, taxes and mortgage insurance
Personal loan, which is used as my business loan, has $11,800 left @ 9%. Used to be about 19k but I sold some useless things and paid it down. Minimum payment is $450 a month.
Auto insurance is $1050 total every 6 months for wife and I.
Other misc. monthly bills which include cell phone, internet, home utilities and food average out to be around $500.


My business nets about $1,500 a month currently but I only need to pay our mortgage and my business loan. However, after doing that I have absolutely nothing left. Obviously, making $1,500 a month is not a lot and that's some of the reason I'm posting (more on this later**). The way I'm looking at things is I'm subtracting my current net of $1500 from the mortgage and personal loan, leaving literally $50 which I'm actually okay with since my wife is making $40k a year and we don't have other debts. The thing is, my money is mine and hers is hers. That's how we've agreed to do things and it actually works very well. I used to make more money when I had a job as well as my business but I left due to my inability to work under a boss.

Being self employed is something I like very much and I refuse to get a job. I've left a half dozen jobs in the past year, not even kidding, one of them being a top 100 company to work for according to Fortune Magazine. So with that said, I have the ability of expanding my current business due to someone retiring. I would need to take out an additional $20,000 for the expanding of my businesses to make another $800 net a month. I talked to a couple of bankers and they said a 5 year loan @ 8% interest would be around $650 a month of I included the current loan I have of $11,800. This would leave me with an extra $600 a month.

Is my vision wrong looking at things this way? Taking out money from a bank without having a savings or any other investments other than some business equipment frightens me. I could grind out what I'm doing currently, but this opportunity doesn't come very often. I know I could force myself to pay a loan faster to avoid paying excess interest since I've done that in the past. Judging from what you see on my post, do you have any feedback? Getting tired so I'll end the post here. Thanks for reading and chiming in!

Insurance Deals
Considering a mortgage...is now the right time to buy a home?
Added on : Sunday July 13th 2014 06:00:07 AM
g: 0 Posted By: t1m0thy
Views: 1504 Replies: 50 My wife and I are considering purchasing our first home. Our financial situation is below.

We would be using Navy Federal's 100% financing program (i.e. zero down) which would give us a resulting 5.25% interest rate with a 1% origination fee and 1.75% funding fee for a 30-year jumbo loan. We are also required to pay into an escrow account as part of the mortgage to cover taxes and other property fees. We live in the San Francisco Bay Area and are looking at houses in the $550k to $650k range. Because we do not have nearly enough for a down payment we are using Navy Federal's zero-down program and accepting a higher interest rate as a result. Estimated all-in monthly payment for a $650k mortgage is $4,200.

We currently live in a relatively inexpensive one bedroom, one bathroom apartment but given that 1) we have a baby on the way, 2) Fed actions seem to indicate a rise in mortgage rates soon and 3) the San Francisco Bay Area housing market seems to be going nowhere but up we are strongly considering becoming homeowners now.

I would love to hear your feedback!

Current Situation

Yearly gross income of $150,000 ($85,000 + $65,000)

The $85,000 salary will jump to $90,000 in March 2015
The $65,000 salary will stay the same

Debts

Monthly rent = $1,100; we are locked into a lease through July 2015 though are landlord has made it abundantly clear (in writing) that we can break our lease without consequenceo
Credit card debt = $12,500

All at 0% through March 2015
$277 minimum monthly payment

Student loan debt = $34,700

$2,250 at 5%, the remainder at 2.5%
$330 minimum monthly payment
We are making the minimum payment on $18,700 of the student loans since the remainder will be forgiven after 10 years of government service

No car payment

Other

I work for the local government so our health insurance is really cheap
11% of the $85,000 salary goes to a pension


Personal Finance Deals
Switch from Allstate to Geico
Added on : Sunday July 13th 2014 05:00:08 AM
g: 0 Posted By: spydermonkey
Views: 96 Replies: 7 I recently married within the past year and I expected my car insurance to go down a good bit but it didn't. We just received our renewal from Allstate and its $1374.26 /6 mth, $230/mth. Ive been a Allstate customer for over 20 years, my wife over 15 years. I started getting quotes from other major insurance carrier, and Geico will give us the policy for $583.92 /6 mth, $103/mth! $127 cheaper per month. I usually stick with companies that Ive been a customer with for a long time but this is a pretty significant price difference. Im also not the type of person that just wants to save a buck, since I dont mind paying a premium for something if its worthwhile. Everything I've read about Geico seems to be good, from what I understand the reduced cost is due to them not having any B&M agents. This is no biggie to me since I haven't seen my Allstate agent in well over 15 years.

Fellow FWers, should I switch?
Discussion Deals
AARP Smart Driver online course at a 40% discounted rate.
Added on : Saturday July 12th 2014 10:00:07 AM
g: 0 Posted By: DaysFan
Views: 203 Replies: 0 http://www.aarpdriversafety.org/ AARP Smart Driver online course at a 40% discounted rate. Learn safe driving strategiesLow cost of $17.95 for AARP members ($21.95 for non-members)* Save money on your car insurancE** JULY ONLY! SAVE 40%

Take the award-winning AARP Smart Driver online course at a 40% discounted rate. Celebrate your independence by refreshing your driving skills!
Upon completion, you may be eligible to receive an auto insurance discount. Other restrictions may apply. Consult your agent for details.

*Register by July 31, 2014. You then have a full 60 days to complete the course at your own pace. Plus you may be eligible for an auto insurance discount upon completion.

Use promo code: JULY40
Offer expires July 31, 2014. Valid for online course only.*


Services Deals
Alert: SJ KUNDBOKNING Credit Card Scam Strikes Again!
Added on : Saturday July 12th 2014 05:00:05 AM
g: 0 Posted By: jr9726
Views: 99 Replies: 1 My credit card was just charged yesterday, July 11, 2014 by this SJ KUNDBOKNING twice, one for $198.36 and another for $133.49, in an attempt to max out my credit card. Luckily, I only had about $400 of available credit left on it. I was getting ready to pay my bi-annual insurance premium so I made an extra payment recently and went to check my online statement to see if it was already credited. That's when I noticed this unauthorized charge on my account. I was infuriated. That was a lot of money to me. Now, I don't have enough available credit to pay for my bi-annual insurance premium which is due by next week because of this unauthorized charge. So I called the bank right away and they too knew that this was a scam charge after checking their database. They took care of the unauthorized charges by taking responsibility for them while they investigate and alert authorities, and they restored my account balance. They also deactivated my credit card and issued me a new one after confirming the last valid charge. They told me that this scam charge may have been carried out through hacking some vendors' point-of-sale computers and that there was nothing I could have done to prevent the scam artist from stealing my credit card number on those vendors' files. So check your online statement and report this unauthorized charge immediately if you notice it. That is the only way to stop the scam. Another way is to have the perpetrator of this scam arrested if you know who it is. If you do, please call police and report the credit card thief!
Personal Finance Deals
Considering becoming a homeowner, is now the right time?
Added on : Friday July 11th 2014 08:00:08 PM
g: 0 Posted By: t1m0thy
Views: 22 Replies: 1 My wife and I are considering purchasing our first home. Our financial situation is below.

We would be using Navy Federal's 100% financing program (i.e. zero down) which would give us a resulting 5.25% interest rate with a 1% origination fee and 1.75% funding fee for a 30-year jumbo loan. We are also required to pay into an escrow account as part of the mortgage to cover taxes and other property fees. We live in the San Francisco Bay Area and are looking at houses in the $550k to $650k range. Because we do not have nearly enough for a down payment we are using Navy Federal's zero-down program and accepting a higher interest rate as a result. Estimated all-in monthly payment for a $650k mortgage is $4,200.

We currently live in a relatively inexpensive one bedroom, one bathroom apartment but given that 1) we have a baby on the way, 2) Fed actions seem to indicate a rise in mortgage rates soon and 3) the San Francisco Bay Area housing market seems to be going nowhere but up we are strongly considering becoming homeowners now.

I would love to hear your feedback!

Current Situation

Yearly gross income of $150,000 ($85,000 + $65,000)

The $85,000 salary will jump to $90,000 in March 2015
The $65,000 salary will stay the same

Debts

Monthly rent = $1,100; we are locked into a lease through July 2015 though are landlord has made it abundantly clear (in writing) that we can break our lease without consequenceo
Credit card debt = $12,500

All at 0% through March 2015
$277 minimum monthly payment

Student loan debt = $34,700

$2,250 at 5%, the remainder at 2.5%
$330 minimum monthly payment
We are making the minimum payment on $18,700 of the student loans since the remainder will be forgiven after 10 years of government service

No car payment

Other

I work for the local government so our health insurance is really cheap
11% of the $85,000 salary goes to a pension


Personal Finance Deals
g: 0 Posted By: GOMIGOMI
Views: 218 Replies: 0 I am looking for a place to buy this phone, unlocked, and only place I found under $600 was eBay until now.
I don't have any experience with this place, www.eglobalcentral.com. This is a Hong Kong based online store. They said they have stores in Austria, UK, France, Spain and other Europe countries but t=12pxhis phone will be shipped from Hong Kong.

They said this item is Free Shipping by UPS and no sales tax. Also their web site said they offer 12 month warranty (not manufacturer's warranty but similar. The shop offers parts and labor cost for repair of manufacture defects, fault in production and fault in the material of the products. 1 month parts & labor cost for repair of rechargeable batteries.

*******
Free shipping=12pxto all 50 states is available on all orders $50 and up. We useUPS=12pxas our premier shipping partner. Express shipping is available to most urban areas within the contiguous United States for a fee.What you see is what you pay- we pay all import duties and taxes for you. There areno hidden fees
​*******

I am still debating myself whether I should pull the trigger or not.... If you have an experience with this site, please let me know.

LINK
The Sony Xperia Z2 is a high-end Android device released in March 2014. The Z2 is water- and dust-proof with an IP rating of 55 and IP58. The device has a 5.2" IPS LCD display, with a resolution of 1920x1080. it's powered by a Qualcom Snapdragon 801 processor, with 3GB of RAM, 16GB internal storage and a microSD slot. The Z2 has a 20.7MP camera, with 4K video recording at 60 frames/second. All this is powered by a 3200mAh battery.

Cell Phones Deals
g: 3 Posted By: BigBoyMichigan
Views: 352 Replies: 2 No Dental Insurance? Choice of: Free Dental Cleaning or Free Tooth Extraction or Tooth Filling thru the "Dentistry From The Heart program"

August 02, 2014 - 7:30 AM - 5:00 PM
32905 W. 12 MILE RD, SUITE 200
FARMINGTON HILLS, MI 48334 USA

To Find this FREE service in your State or Canada click link

http://www.dentistryfromtheheart.org/even/even_upco.php
Totally Free Deals
g: 1 Posted By: BigBoyMichigan
Views: 107 Replies: 0 No Dental Insurance? Choice of: Free Dental Cleaning or Free Tooth Extraction or Tooth Filling thru the "Dentistry From The Heart program"

August 02, 2014 - 7:30 AM - 5:00 PM
32905 W. 12 MILE RD, SUITE 200
FARMINGTON HILLS, MI 48334 USA

To Find this FREE service in your State or Canada click link

http://www.dentistryfromtheheart.org/even/even_upco.php
Totally Free Deals
g: 0 Posted By: Deals4mykids
Views: 87 Replies: 0 SJ4000 Waterproof 1080P FHD 1.5 Inch LCD Car DVR Dash Cam Action Camera Sport DV Novatek for $84.99 with Free Shipping @GearBest.com

http://www.gearbest.com/car-dvr/pp_60637.html
http://www.gearbest.com/car-dvr/pp_60638.html
Video review:
https://www.youtube.com/watch?v=WKIMxPdqTEI&feature=youtu.be

Coupon code: GBSJ4000
The Deal Price: $84.99 with free shipping

The Dash Cam or car camera (DVR) is now becoming the weapon of choice against drivers who will lie and cheat in order to claim they were not at fault in an accident. The SJ4000 dash cam onboard DVR is used in a wide range of scenarios including:

● When recording, the dash cam can store a road rage incident.
● Accident video cam footage will provide proof of responsibility and insurance liability.
● Cab drivers can record violent passengers from their windscreen or dash.
● The dash cam can act as a deterrent for drivers in front who see it in their rear view mirror.
● Dash cam video can be used to show pedestrian activity.
● Dangerous and potentially lethal driving can be saved and the cam memory can be handed to the police.
Cameras Deals

GearBest Coupons
Solutions for Vehicle with Negative Equity
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: ChallengedCarBuyer
Views: 209 Replies: 18 We own 2 cars, a 2006 Nissan Altima (145K miles) and a 2008 Ford Edge (97K miles). The Nissan is paid off and worth about $6K and the Fordis worth about $12K with $23K still owed (due to the deal that we made back when purchased in 2011, with a significant amount of negative equity rolled into it). With the current payment of approximately $700 it feels as if we are somewhat stuck for a while. Our credit scores are rebounding nicely from prior issues and we are consistently in the 680-690 over the last 2 months.

With 2 aging cars and a high payment we are wanting to make a change. Options that we are considering are
1) Trade 2 cars towards the purchase of 1,to lessen the negative equity and end up with a lower payment with only 1 car (we both work in different areas, so this may be challenging)
2) Same scenario as above, but supplementing the 1 car with an enterprise rental 3 or 4 days a week. This way we'd only have to pay for insurance on 1 vehicle, offsetting the costof a rental, having less to report on a credit report, but also having no second asset.
3) Trading the 2cars towards one, and then purchasing/leasing a 2nd one, with the total payments for both being near the $700 of the current vehicle
4)status quo

We have up to $5K that we could put towards the deals, if needed. How do any of those options sound? Any better proposals/alternatives? Same options, wait a few months to let our credit hit 700? Thanks for the input.

Personal Finance Deals
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

My wife last saw her mother when she was 12. She was left with her father.
Same for my wife's half brother, he was left with his father in another state.
Needless to say, she's not the best mother.

My wife grew up with her father and step-mom. Everything worked out.

A few years ago my wife first found her half brother via the internet.
Then, a while after that, her bio-mom got back in touch with her, again via the internet.

A few months ago she called and let my wife know she was having seizures.
Today, we got a phone call in spanish, and after some translation thanks to google, we figured out they were asking her to call her mom. I'm assuming the mom didn't have enough money for an international call.
My wife called, and found out she has brain cancer, and the doctors say she has around 2 months left.

We can not afford to go visit. Even if my wife went alone, the price of a ticket is just out of range to visit someone that...in all honesty wasn't someone my wife was that attached to.
Obviously she's upset, but she agrees its just not feasible to spend $2000 and 48 hours on a plane to do a visit. They'll be doing some video chatting and phone calls (I'll make sure I'll record it for when the kids are older).

I have some financial concerns -
The mom put my wife down as an emergency contact with her medical info. The mother is flat broke. For a time she lived in an orphanage and was given room and board in exchange for working. Now it sounds like she's living with a friend. Has no job, etc.If, for example, my wife wanted her ashes to split with her half brother, how would that be worked out? We're not 100% trusting of her mom, and I'm wary of being scammed by working with a "friend" of the mom or something.

It is my understanding she has dual citizenship with the US (or at least, never renounced her argentine citizenship). She immigrated to the US when she was very young, and was in the US Army and received an honorable discharge. She mentioned there may be life insurance money, or at least money for a burial or cremation through the VA. She is also apparently owed quite a bit of back disability money by the VA. She's asked my wife to help her get that sorted out a number of times, she's tried, we'll get the mom in contact with the right people, then something never happens, wait a few months, rinse, repeat. Should I be contacting a lawyer to figure this out? Is it even worth pursuing? I'm not trying to approach this like I could make some cash, but if there is the possibility that my wife could get something to put towards her education costs (she starts an MBA program next month) that would certainly be beneficial.

Not speaking any spanish (my wife speaks restaurant spanish at best), what is the best route to go to get things like a copy of the death certificate, any personal belongings the mom wants my wife or her brother to have after death, etc. The mom is making sure her friends and the hospital have my wife's information. The language barrier is a problem. This isn't the first time we've gotten a phone call from someone whom only speaks spanish, and had to use google translate and yes/no questions to figure out what was doing on.

Are there any scams I should be aware of that could be going on here (besides the mom making this whole thing up. Which we've discussed, but she's not asked for any money or anything thus far).

Any advice or suggestions anyone has, I'd certainly appreciate.

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
Personal Finance Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 09:00:05 PM
g: 0 Posted By: jpfulton
Views: 817 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 05:00:09 AM
g: 0 Posted By: jpfulton
Views: 22 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Advice on how to make 60k+/year
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: AGmagic
Views: 198 Replies: 9 I've been a long time lurker, and signed up a while back. I know 60k/yr is not much, but what can I do to get there? I am currently 26 and still live at home and find it somewhat difficult to make ends meet. I've taken up a frugal lifestyle and still not able to make ends meet. So what options do I have? I know I'll get flamed a little, but doesn't matter I'm hungry to make some $ so I can start moving forward in life.

I currently work a dead end technician job, getting paid low entry level pay. Most my money goes to.. nothing really. about 20% of my check goes to parents, the rest are just food/gas/insurance. Currently had unexpected car maintenance come up so that may be the reason why I'm struggling.

Any advice. I've been in school in and out, its discouraging when I see people with no degrees making 100k. I took no loans out, but recently the last two semesters took loans out. School is expensive these days. At least for me anyways.

TIA
Personal Finance Deals
Medical loan advice
Added on : Monday July 07th 2014 11:00:09 AM
g: 0 Posted By: The111
Views: 147 Replies: 2 Here is my situation:
May need to pay ~$60k out of pocket, up front, for a medical expense that insurance won't cover (long story)
Spouse and I both have excellent credit, minimal debt, and stable decent-paying jobs
I could (barely) afford to pay the bill with cash on hand, but would rather borrow it than expend my cash reserves

Question:
Do medical loans exist? I know nothing about this. Where should I look?
I would like to think that I could find one with a really low rate, considering both my credit and the fact that I have the entire amount on hand as collateral. But, I have no idea if that is a reality.

Any advice is much appreciated. Thanks.
Personal Finance Deals
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

I think being robbed is pretty traumatic, and trying to remember everything you had and finding receipts after the fact would only make things worse. What I'd like to do is put together a rock solid inventory with pictures, receipts, etc, store it up on my dropbox, and if I ever get robbed, I go up in the cloud, even off my cell phone, email the PDF of my inventory to the insurance man, and move on with my life.

Maybe, I might even wind up a little better off than before because if I could have back what I paid for all my stuff, I'd probably only re-buy half of it since I buy a lot of clothes and things I don't really use.

Anyone have experience on how insurance claims work for personal possessions? There's a lot of threads on car insurance and home owner insurance with respect to tree branches, but I rarely hear anyone discussing submitting claims for personal possession against homeowner or renter's insurance. I'm under the impression that I'll get either the replacement cost or whatever I paid, whichever is less, which leads me to believe I'll get screwed since, like most FWF I go out of my way to shop for sales and deals. So if I only get back what I paid, it's far below market value for many of my things.

Am I under an obligation to hand over receipts for everything? Maybe if I got something well below market value, and I misplace the receipt, or intentionally don't store it, then I'll get replacement value which is higher?

Does anyone else inventory things like papertowels and toiletpaper and shampoo? On the surface it seems silly, but I ran some quick math in my head and I easily have a few hundred dollars worth of cologne, deodorant, TP, papertowels, toothpaste, toothbrushes, facial cleanser, moisturizer, etc. Also, if I have the inventory up in dropbox, I can refer to it when I'm shopping so if I see a good deal on something like bulk papertowels, I can see how many rolls I'm down to, assuming I keep the inventory up to date every month or so.

I've heard people just videotaping everything in their home but that doesn't quite seem granular enough for me. I've already started a rough inventory and realized I actually have around $12k worth of things in my apartment, so my $10k policy won't cover it and I might need to get higher coverage. So another benefit of doing this in something like a spreadsheet is that you actually see what the value of your items are so you can adjust your insurance accordingly.

Anyone have experiences to share on claims or best practices on inventory?


Discussion Deals
Liberty Mutual Auto/Home Insurance-any good?
Added on : Saturday July 05th 2014 03:00:09 AM
g: 0 Posted By: mjp123
Views: 11 Replies: 0 I've been shopping around for Car and Home insurance. We've never had any claims on either, ever, but you never know, especially with the storms getting worse here in the midwest lately.
Liberty Mutual gave me the cheapest quote that would save us approx. $600/year for the same coverage. The CSR said it wasn't an introductory rate. (lol) I'm just concerned that I've read a couple good things, but mostly not-so-good things about them. Anyone can have an agenda, and reviews are mixed on other companies too. Does anyone have experiences good or bad with LM? Thinking if it's too good to be true, maybe it is........

Thanks!

Insurance Deals
college student, house with dad after graduation
Added on : Thursday July 03rd 2014 11:00:04 AM
g: 0 Posted By: mccyjcb
Views: 134 Replies: 6 I'm a 21 year old college student going in to the field of finance and I have two years left. My dad has been looking to buy a house for the last year but since he is 53 and a blue collar worker, he didn't want to buy too expensive of a house. He has recently learned that his whole plant may be shutting down in the next 2-4 years and so he is going to lose his $45k job. After that, he says he is just going to become a trucker. That ruined his plans of buying a house. He came to me with a plan: wait til I get out of college and find a job (hopefully at least $45k a year), and then get a VA loan using his veteran status. So I won't need any down payment and we won't have to pay mortgage insurance and we get the better mortgage rate versus a conventional loan. We will live together obviously, but I will be in a house of my choosing at the age of 23 or 24, we will both be paying $800-$900 a month towards the mortgage. My name will go on the loan that way if he dies, I take over the loan which is fine by me. When I graduate, I will have about $16k in student debt. I already have a 730 FICO score. I do have a part time job and I am saving money for when I move out. My dad wants me to live a better life than him so there is no reason to think he would be trying to screw me over in any way, we are very close. This obviously depends on how long he keeps his job so we can secure a loan, and how long it takes me to find a job. I also have a friend who I know would move in with me so there's an extra $300 a month for the mortgage.

Basically:
Two years left of college, me and my dad want to buy a house after I graduate and find a job using his veteran status for a VA loan. I get no down payment, no mortgage insurance, a better interest rate and a house of my choosing at the age of 23 or 24. I don't see any downsides to this. Help me point out flaws that way I can go over them with him.
Question Deals
Filed Insurance Claim One Day Late
Added on : Wednesday July 02nd 2014 01:00:07 PM
g: 0 Posted By: jetsfan92588
Views: 26 Replies: 1 I requested to take advantage of the return protection offered by a credit card issuer. I did it within the 90 day period provided. They sent me a form to sign and fax in, along with a receipt from my credit card company. They gave me 30 days. I faxed it on day 31. I was late, no doubt about it. To be clear, I'm not blaming them at all. And, in their position, I would have denied the claim as well.

The claims manager called me and said she was denying my claim because it was late. She said I could send her a letter requesting reconsideration.

My question is, is there anything I can do? I mean, is the "letter offer" just something they're required to provide, but they won't grant an appeal? I'm going to send in the letter, but do you think it's likely that they will still deny the claim?

I wish I still lived in CA when these things happen.
g: 0 Posted By: StartByServingOthers
Views: 1 Replies: 0 Some states have a no-fault tort that limits your rights to sue under certain circumstances. THe following pertains specifically to Kentucky, but some other states are similar:

In most instances the insurance company charges a higher rate if you "reject" the tort and retain your right to sue. (It also gives other people the right to sue you). However by accepting the tort you also are required to have some medical coverage on your policy. Really the overall price between these two options are pretty similar.

I assume the idea is that everyone benefits from not getting lawyers involved in small accidents. Anyways under the advice I've seen given here by SIS, I carry rather high under-insured and uninsured insurance. But despite how much I've researched this issue I'm not sure I entirely understand it.

Assuming I am in a moderate to bad accident:

Is there any benefit to having Rejected no-Fault? From what I understand No-Fault only limits my ability to sue for small amounts.

Is there any benefit to having the "medical coverage" on my policy?

I'll make another post showing my current coverages and information on the KY tort. I wasting my money rejecting the KY Tort? It looks like I would keep the ability to sue for serious accidents and also have medical coverage included for a lower price than I currently have?
Car Accident : How to deal with the other party's insurance?
Added on : Monday June 30th 2014 07:00:09 PM
g: 0 Posted By: ThriftGuy
Views: 92 Replies: 1 Hello FWF community,

I was rear ended by an SUV last weekend (Saturday - 6/28) and my Accord will most likely get totaled. There were no serious injuries, so the cops didn't file an accident report. The officer simply exchanged each others insurance information and gave me a blue form that I can complete and mail it to the state (TX). My car was towed to a Honda dealer. Same day, I've reported the incident to my insurance (Geico) and provided them with the other party's insurance (Old American Mutual Fire Insurance Co) info. Geico tried to reach them, but were closed over the weekend. Geico finally were able to talk to them today (Monday - 6/30) and the other insurance company, Empower (actual insurance provider) called me to get my statement. The agent said it would take at least 48 hours for them to send an appraiser to look at my car and so cannot get back to me until the beginning or mid of next week. Later, I looked up their reviews online and got terrified. I do not want to file a claim with my insurance but the other insurance has got the worst possible rating. Any one has any input on which way to go?

Unfortunately, I don't have rental coverage through my insurance and not sure if the other insurance would reimburse me even though the agent said they cover upto $30/day. Its already been 3 days without my car and been relying on friends and colleagues.

I would greatly appreciate if you can provide your valuable advise/input on how to handle this situation.


Discussion Deals
HSA Help - Dental Expense outside of employer
Added on : Monday June 30th 2014 01:00:08 PM
g: 0 Posted By: mikef07
Views: 79 Replies: 2 I have an my medical insurance through my employer and an HSA through my employer. I do not have dental through my employer. I have a dental expense tomorrow for my child (knucklehead chipped his tooth). Can I use my HSA Debit Card (through employer) to pay for any deductible even though my dental insurance was bought by me outside of my employer?


Question Deals
Added insurance premiums and I didnt have insurance
Added on : Monday June 30th 2014 09:00:07 AM
g: -3 Posted By: SamPanch
Views: 184 Replies: 4 When I first bought my car I had insurance and then I let my auto insurance expire and didn't cover it for a while. My bank hit me with excessive auto coverage amounts onto my loan. What is my best course of action to remove some of the penalties? I understand I'm at fault but the amount is crippling. Any thoughts on how to approach a bank would be greatly appreciated.

-Sam
Personal Finance Deals
g: 1 Posted By: diamente
Views: 98 Replies: 1 I have group health insurance and went for regular checkup. Everything including the lab should have been covered. A month later, I received a bill from Quest laboratory billing me at least $100. I called the doctor and was told to fax them the bill.

I went to a specialist and I made sure everything was covered before seeing her. A month later I got a bill for more than $100. Why is this? I used to have Kaiser and everything was simple. You pay a small deductible and do not receive a bill afterwards.


Personal Finance Deals
Guarantee Issue vs Fully Underwritten Disability
Added on : Sunday June 29th 2014 09:00:05 PM
g: 0 Posted By: BNizzle
Views: 49 Replies: 0 I'm currently shopping for long term individual disability insurance, and I've been presented with a dilemma. There are two identical policies which differ by guarantee issue vs medically underwritten, that have initial yearly costs that are the same. I'm healthy, and I'm fairly certain that nothing serious will turn up on the physical, but you never know. Is there any reason why I would not purchase the guarantee issue policy over the underwritten one? Are rates more prone to increase on the GI? I'd be interested to hear your thoughts.
Discussion Deals
g: 0 Posted By: View
Views: 28 Replies: 1 I have a 15 years old house built by a reputable builder. (It wasa model home when they were building this community.)
We had a hail in our area that lasted for about 10 minutes. After that the street was flooded with roofing contractors and it seemed like everyone is getting a new roof.
The problem is that I have a 10k deductible on my insurance thinking I'm only insuring for major disasters. I do plan to pay out of pocket(and have enough savings) to self-insure up to 10k if there is a real need for any repairs.

My wife is getting really nervous that everyone is replacing their roof so our roof "MUST have hail damages".
So I went up totake a look and it seemed like the asphalt shinglesall looked just fine everywhere. I even tried to poke a few of them with a screwdriver but they seem steady.

Since I have a 10k deductible, should I even bother getting the insurance involved?
Or could my home be "the only super home on the street" that does not have hail damage?
Am I wrong to carry a 10k deductible to save my insurance premiums? I did it for a reason because the insurance premiums have gone up by more than 100% in since 2008.

I would appreciate any feedbacks. Thanks.
Discussion Deals
g: 0 Posted By: MISTERCHEAP
Views: 136 Replies: 0 Pay $4 per month for LIPITOR if you currently have private ins. and pay up to $130 per month.
Register for free card at

www.getachoicecard.com
Health Deals
Car Accident, other party provided conflicting insurance information
Added on : Thursday June 26th 2014 02:00:07 PM
g: 0 Posted By: WindTurbineGuy
Views: 86 Replies: 0 So there's a long story to this that's probably for another thread, but I really only have one major question regarding the situation. So my Mother was using my old car which I've been covering the insurance for until she could begin paying for it herself and was in an accident with another guy(personally feel like the other guy was at fault due to speeding and being distracted by something like a cellphone but my insurance company says neither can be proven and it's been determined that my mother was 70% at fault). Anyways, the two swapped insurance info and the cop present said he couldn't write up a police report on the accident and to just let the insurance companies handle everything. What gets fishy is the guy supplied differing insurance information from the insurance company that contacted my insurance company. Is it even legal to do this? And also, not a single adjuster has come out to see or inspect the car's damage or the area that the accident happened in. Insurance company is USAA if anyone's experienced a similar situation with them and has any advice on it.
New User Question Deals
Lender is demanding a low deductible on Homeowners Insurance
Added on : Thursday June 26th 2014 10:00:06 AM
g: 1 Posted By: msjeanice
Views: 188 Replies: 10 My lender is saying that my deductible has to be $800 or less. How do they come up with this number... any way I have called many - many insurance companies and none of them go below a 1,000. I told my lender this and then they suggested a local insurance company and said these guys do. So now in order for my deal to go through I have to use this specific insurance agency - and on top of that when I called the new insurance company they said well most places won't start a new homeowners policy without covering the auto too.. I feel like I am being railroaded into using a certain insurance company - unless I want to kill my closing which is in its final stages... like less than five days away. Any body else getting a demand for lower deductible?
Personal Finance Deals
Medical liability of sponsor of visitor visa
Added on : Wednesday June 25th 2014 07:00:09 AM
g: 0 Posted By: Veeekay
Views: 51 Replies: 0 One of the contractors I work with is on a work permit (H1) and is in the US for the past 6 months. Approx a month ago his inlaws were visting him on his invitation and he providing documentation to the State dept that he would provide financial support to them during their visit to get their visitor's visa (standard procedure).

A couple of days into the visit his MIL started to throw up and a day later she had jaundice (yellow eyes). He took her to the emergency room because she was so dehydrated. Emergency room checked her out, but ruled out Hepatitis virus. After a few rounds of diagnosis, the doctors confirmed that she had stage 4 cancer of the liver. At this point, his inlaws just want to get her to a point that she can travel back to the home country to start treatment, which the hospitals here did. His inlaws used their travel/visitor's health insurance, but provided his address as the mailing address.

Now bills are being sent to his address for the ones over the limit of what the travel insurance would cover. Speaking to travel insurance he gathered that there is over $50K of outstanding bills (so far) but don't know how much is over the limit. He does not know how to proceed. On one hand because he sponsored them, he feels obligated to pay the amount not covered by insurance. However, he fears that it may be many times over his savings. He does not want to pay part of it, because he's concerned that if this gets sent to collections (for the rest of the amount), somehow collections would make him responsible because he paid part of it.

Does anyone know what his liability is?
Unclaimed Life Insurance?
Added on : Tuesday June 24th 2014 09:00:06 PM
g: 0 Posted By: CharlotteKey
Views: 57 Replies: 0 I want to know more about unclaimed life insurance policies, firstly I want to know what happens to a life insurance when someone dies. What should I do if I believe that me or someone in my family may have unclaimed life benefits?
Question Deals
Should I take the money?
Added on : Tuesday June 24th 2014 09:00:09 AM
g: 0 Posted By: bvue
Views: 218 Replies: 5 2 weeks ago my 2 year old son, husband and I got rear ended while stopped on a red light. It was definitely the other driver's fault. I would say she must have been going 25-30 mph and was not paying attention. She had no insurance so the police got involved and her car was towed. (We live in Minnesota if that matters.)

Now, since the other driver has no insurance, we are responsible for paying the deductible to fix our vehicle and the damages assessed were about $1100. Our bumper and the exhaust got damaged in the accident. The other drivers grill actually fell off her car during the impact. The deductible is $250 and will be reimbursed to us. Our insurance company has offered us $500 for "pain and suffering" and to sign a release. My husband sustained some whiplash side effects and went to the ER a couple hours after the accident. The doctor prescribed him 600mg ibuprofen and told him to take it easy. I felt fine and did not feel much soreness, but I think that is due to the fact that my husband braced himself against the steering wheel. Our insurance company is paying for the medical expenses.

The other factors are that my husband does not have a job and is currently on unemployment. I work, but our income together barely covers the bills and groceries. My husband still complains of a sore neck and back and restless sleep. My son seems fine as he was strapped securely in his carseat. My husband was not able to actively look for work due to not having a car, such as attending employment workshops and inability to schedule interviews during the time that our car was in the shop.

I did not miss work because I couldn't afford to, but was inconvenienced by using my break time to send the car to the shop. My insurance did not cover for a rental. I have had to hitch a ride with a friend to work. I don't have enough money to pay for the $250 deductible and to wait for the money to be reimbursed at a later date which has not been determined, yet.

My question is, does $500 seem like a very low offer or should I pursue for more? I am tempted to take the $500 because I need the money to pay the deductible but I can try and borrow the money somewhere else if it's likely that I can get more. I am not trying to get rich but I don't feel that $500 is fair considering my husband's distress over being hurt and unable to proactively find a job. In this situation, what would be a good amount? How would I address this to the insurance company that I think we deserve more?

Thank you for your time.
Personal Finance Deals
High deductible insurance with HSA + Spouse situation
Added on : Monday June 23rd 2014 04:00:09 PM
g: 0 Posted By: geauxtigers777
Views: 92 Replies: 1 A question about high deductible health insurance and HSA:
I am starting a new job where the high deductible health inusance and HSA appears to be my best option. Here is the issue. My wife is currently on a traditional health care plan that will end on July 31st. She will then restart a new traditional healthcare plan at the end of August. I am looking to add her to my new high deductible insurance for the interim time period in which she is not covered (it is only $30 extra per month through my employer, and I would be able to take her off in January effectively being a $210 insurance policy to protect us for her month of not being covered). My questions:
1. Will there be any tax implications for her being technically enrolled in both a HDHI with a HSA and a traditional insurance policy at the same time?
2. Will this increase my chances of my tax returns being audited (married filing jointly)?
3. What is the general consensus recommendation?


Thanks
New User Question Deals
Should you have insurance on vacant land?
Added on : Monday June 23rd 2014 01:00:07 PM
g: 0 Posted By: atikovi
Views: 106 Replies: 3 You get homeowners liability insurance for your house in case someone trips and falls on the sidewalk or a kid climbs your tree and falls. Do you need the same for an empty lot or vacant land?
Question Deals
Death of Spouse, whats next?
Added on : Sunday June 22nd 2014 07:00:08 PM
g: 0 Posted By: whyhello
Views: 101 Replies: 1 Hello all-

A friend of mine has passed away, and now there have been a few questions arisen.
They were married. Man and woman. Man has passed away. Any insight information will be appreciated.
There is no will. There is no power of attorney.

Mortgage?
Under both names, husband death, widow does not work. (Contacting mortgage company to see if there was any insurance to cover the rest of the loan.)

Credit Cards? (Widow may be just an authorized user.)
Under both names, husband death. Widow liable?

Husband business?
Under husband only, husband death. Assets go to widow?

Medical Bills?
Under husband only, husband death. Widow liable?

Husbands assets - such as car, jewelry, etc?
All goes to widow?



What about for the kids of the dead spouse?

Are there any benefits in this matter?

Social Security benefits?

Kind Regards. Thanks
Discussion Deals
2015 Insurance price hikes - post yours here
Added on : Sunday June 22nd 2014 07:00:06 AM
g: 0 Posted By: xerty
Views: 312 Replies: 6 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
2015 Obamacare price hikes - post yours here
Added on : Sunday June 22nd 2014 06:00:08 AM
g: 0 Posted By: xerty
Views: 188 Replies: 4 Depending on your state, you may have or will soon be getting a letter informing you of the coming changes to your 2015 insurance premiums under ACA. Please post yours premium change and your state if you're willing to share. I guess all those insurance company bailouts (via the HHS general budget) must not be kicking in yet, because they're planning to increase mine a fair bit:

+20% NY

So much for efficiency and cost savings.
Discussion Deals
Penfed 5/5 ARM Closing Cost Help
Added on : Sunday June 22nd 2014 04:00:08 AM
g: 0 Posted By: SiltyKinect
Views: 114 Replies: 0 I am in the process of closing a home in Montgomery County, Maryland and trying to see if I can benefit from 10,000 closing cost.
Couple of Questions:
Assuming a purchase price of 550000 and 20% down I have received the following Cost Illustration from wells Fargo and Penfed Online calculator.

Can anyone with experience on this let me know which one is more accurate?

Also will I get the full benefit of 10,000 from Penfed for this loan amount?

Wells Fargo estimates 17,000 and Penfed estimates 11,000 which I think is wrong.

Wells Fargo APPROXIMATE COST OF CLOSING FEES


OUR ORIGINATION CHARGE 895.00
CREDIT OR CHARGE (POINTS) FOR THE SPECIFIC INTEREST RATE CHOSEN* 0.00
CREDIT REPORT(S) 11.66
APPRAISAL(S) 635.00
TAX SERVICE FEE 70.00
FLOOD LIFE OF LOAN FEE 19.00
ABSTRACT OR TITLE SEARCH 175.00
TITLE EXAM/ATTYS OPINION 400.00
TITLE INS-LENDER COVERAGE 1,360.80
TITLE INS-OWNERS COVERAGE 850.50
CLOSING/ESCROW/SETTLEMENT 300.00
ENDORSEMENT TO TITLE-ALL 100.72
RECORDING FEE - MRTG/DOT 60.00
RECORDING FEE - DEED 60.00
CITY/CNTY TAX STAMP-DEED 5,670.00
STATE TAX STAMP - DEED 6,610.00
SURVEY 340.00
PEST INSPECTION 125.00
COURIER/MSNGR-3RD PARTY 100.00
Total 17,782.68

Penfed's Closing Fees

PenFed's origination charge $65.00
Your charge for this interest rate $0.00
Required services we select $432.50
Appraisal Fee $350.00
Credit Report$ 16.50
Flood Certification Fee $7.00
Tax Service Fee $59.00
Title services and lender's title insurance $2,112.00
Owner's title insurance $2,008.50
Government recording charges $175.00
Transfer taxes $6,350.00
Total Estimated Settlement Charges $11,143.00

Let me know if you need any further info.
Real Estate Deals
90 Days worth of Insurance
Added on : Saturday June 21st 2014 01:00:06 PM
g: 0 Posted By: Table83
Views: 90 Replies: 2 I just got a new job. Old employer is in Washington. New employer in Oregon. (Both in the Portland area.) Family of 5. Wife, 4 yo son, 2 yo daughter, 6 mo dauaghter. All in good health and none of us have ever had major health issues.

My current employer is too small to offer COBRA plans. Frankly I'm not sure what a COBRA plan is exactly anyway. They offered to let me pay the whole premium until my new insurance kicks in after 90 days which would be just shy of $1200/mo. I'll be making $45k and there is no way that is going to be able to happen.

I do know that I need to look at the health exchange. But wanted to ask some general advice before I start really digging into this.

1) Could I get the Obama-care fine for not having insurance for 90 days?
2) Would you risk going without insurance for 90 days?
3) Are there special plans for these types of situations that I should look for? What keywords should I keep my eyes open for?
4) Any other recommendations?
Personal Finance Deals
How much of net worth should go into primary house
Added on : Friday June 20th 2014 01:00:05 PM
g: -1 Posted By: David415
Views: 169 Replies: 2 Hi Guys,

Just wanted to see what people's opinions are on this topic. Some background first. I live in the San Francisco Bay Area where house prices are expensive. My wife and I make combined 250k/yr. Me and my wife are in our mid-late thirties.

Here's my general situation:

200k cash savings
825k stocks
580k retirement accounts
250k investment condo with a 250k mortgage (I exactly breakeven on this condo each year. so don't really need to figure this in really)
890k primary house with a 500k mortgage
No other debts
Assume no inheritance money in future

I'm thinking of upgrading to a bigger house and renting out my current one. I believe I can rent out my current house and it will cover all expenses such as mortgage, insurance, taxes. Here is where I would like to see what you guys would do. The house I'd like to move into is 1.5M. If I got a house like that I would be happy staying there forever, but a big chunk of our monthly income would go towards mortgage. We could do it but probably would have very little to invest in other things. Or I can buy a slightly smaller house at around 1.3M or just stay in my current house a little longer like 3 years and then buy when I've saved a little more.

To me I think a house is a relatively safe investment over the long term. Since I plan to live here for a long time I don't see it as much risk at all and it might be good to just get the house you want early and enjoy it for a very long time.

What do you think?
New User Question Deals
House Fire (structure coverage denied)
Added on : Wednesday June 18th 2014 07:00:08 AM
g: 0 Posted By: Truck78
Views: 1 Replies: 0 Ok. So I am learning a lesson the hard way (review your policy often)....anyways.

Recently I had a house fire that began by a family member of mine in my home that I was no longer living in. This family member lives "bare minimum" and was using the home most days of the week and taking care of the property. I don't think the family member makes a difference anyways as you read the reason for denial. The fire was ruled accidental. The house has an equity line of credit on it but the insurance did NOT reflect the bank as a lien holder.

Fast forward six weeks after the fire....I get an email from the senior adjuster APPROVING my entire claim. Mind you, I was upfront about me NOT living in the home at the time of the fire. In fact I had moved out to a different part of town about a year prior (the home was thus for sale) which was explained to the insurance company. Anyways....the very next day after the approval email I get an email saying the claim has been sent to the "legal team" and thus they are still investigating. After another several weeks I finally get the denial call (with a followup email and letter).

The personal property (appliances, that we still there) was approved. A check was issued for that (not cashed yet). The structural damage was denied stating the reason "Insured was no longer residing at insured location".

I have spoken with two "insurance only" attorneys here and both stated the case is weak since I indeed did not live at the premises. I understand that but I stated that to the insurance company right away. I am looking at this as a "Hey even you guys can't interpret your own policy correctly".

Anyway....My point is since they initially approved my claim then later denied it without anything new coming to light do I have a case if a jury heard it? Any other advice?

Important take away:

1. I was the named insured but not living at the insured premises
2. Have a mortgage but bank was NOT on the insurance (don't know how that happened)
3. Claim entirely approved (structure and personal property) then later structure damage denied but personal property approved
4. I believe the insurance company had this claim as a total loss (but they never confirmed that)

I am pessimistic about the outcome.... so here I am asking for your thoughts....or insults ( i.e. "you're an idiot" )

Thanks
Any real benefit to HRA over FSA?
Added on : Wednesday June 18th 2014 04:00:11 AM
g: 0 Posted By: NonReturnable
Views: 0 Replies: 0 My employer has 3 options for health insurance.

3. No frills, no HRA
2. $1000 HRA, but costs you $1000 more a year over option 3.
1. $2500 HRA, costs you $2500 more a year over option 3.

I have option 2. I also pay $500 into an FSA to help cover some of my wifes prescription drugs over the year.

As of right now, my FSA has been emptied. I have $1500 in my HRA.

I had a root canal done yesterday. Turns out, even though the IRS says HRAs can be used to pay for dental, my companies HRA will not. I do not know why they made that decision. I also can not move money from my HRA to my FSA.

Is there any advantage of an HRA, over an FSA? Or, next year, should I just go with the cheaper option, and put an extra $1000 into my FSA myself, this way I'm not limited on what I can use the money for (as long as its medical related)?

Looking through what my company deems I can use the HRA money for, its really trimmed down compared to what the IRS says I can use HRA for. Eg, I also can't use it for paying for a gym membership (my doctor said she would write me a letter for it) even though the IRS says that's ok.

Only advantage I can think of is my company prefunds my HRA. But, I have a pretty even spend over the year, so its not a big deal to me.

Very frustrated right now that I have this money sitting in this HRA account, but I have to pay for a root canal and cap out of my own pocket.

I've discussed this with HR, and they say "well, we fund that HRA for you! We're giving you money!" No your not, I still have to pay an extra $1000 over the course of a year for it, so its not free at all.
House Insurance Claim - Depreciation ?
Added on : Tuesday June 17th 2014 02:00:05 PM
g: 0 Posted By: rwbuck
Views: 0 Replies: 0 Had a major hail storm hit last month. Insurance adjuster has given me a scope of work and afirst check.As it is too latein the day to talk to my agent, I have a question for the fatwallet community. Some of the items they covered, I don't care to replace. Such as themetal roof on the wood shed. No one can seethe hail dings on the roof and it doesn't leak. The adjuster put a replacement cost of the roof at $84,depreciationof $3 andan actual cash value of $81. IfI don't replace the roof, what do I need to do. Do I need to return the $81 they included in the original check? I have other items that I don't want to replace... such as a garage door. They already gave me 1/2 the $800 replacement costs. The hail dings blend in well with all the basketball dings that were already there and if I replace the door it will just get marked up again. Not sure what is proper procedure. Thank you.
Rammed my rental truck into a bridge, need play tips for the game
Added on : Monday June 16th 2014 02:00:08 PM
g: 0 Posted By: mail6234
Views: 50 Replies: 2 Sooooo....

Walked into a truck rental location earlier this month and said "give me your finest dock height rental truck." They said, no problem sir. Would you like the insurance? Why certainly darling. "Full insurance?" But of course! Out I went on my merry way and ran the truck into a bridge necessitating a new roof, left rail and some uprights in the cab portion. I knew my insurance didn't cover it, and I only use a standard Visa so neither would cover that. But alas, I had FULL INSURANCE.

WRONG, SO WRONG. The number of exclusions afterwords was mind boggling. Not covered "theft, tire damage, rim damage, overhead damage, damage by way of negligence etc etc" In fact I'm struggling to come up with many possible covered events at all. Anyways I had a conversation (which I recorded) when returning because I figured hey here comes the back peddling and the store manager straight up admitted they used the terms "full insurance" to generate insurance sales and basically said "we'll work with you." Now I'm not new to this act so I know that means jack squat. Further more going through things I realized I had signed up for "roadside assistance" when I never even asked for such a thing. The whole thing was total sleeeeze.

I got a call today and they're starting out at $7000. They didn't shop the rate around so I asked for the cab VIN number and what the quote included as far as parts so that I can shop it around. I get the feeling that number may drop to around $5000. But still. I'm awful salty about this. Sure it comes down to "read the contract" but when you ask to be fully insured and then someone basically just tells you that's a load of dog shit and then acts like its no big deal I'm not exactly pleased by this conduct.

So I contact a lawyer to see where I stood on something like this and it was more or less "well... not good." Contractual law is much stronger than consumer protection laws and it would be an uphill battle. The lawyer offered to take it at a flat fee $2500. Attorney's fees would be recoverable but only if I was victorious, and I highly doubt I'd be a clear victor.

I'm wondering if anyone has even been through this so I can get a playbook for this. I've seen a couple posts about this and someone else did mention they started at $7000 and settled for $2000. Given the cost of a lawyer is more than that, it seems my best play if I can get them to settle. Otherwise wondering if anyone that has an actual legal background has advice.

My advice BTW is to USE PENSKE from now on. I used a Penske truck afterwords and confirmed with them that they DO cover overhead damage and the truck I had was FANTASTIC. It got better gas mileage I think than the truck I park in my garage. Any help is appreciated.

Also obligatory I AM AN IDIOT
New User Question Deals
Advice - Got rear ended what steps do I need to take?
Added on : Monday June 16th 2014 05:00:15 AM
g: 0 Posted By: phil4444
Views: 97 Replies: 5 I know this has been talked about before but my head is spinning right now and i dont want to do something stupid (which I am well known for )

On the way to work, got rear ended. Driver has insurance (State Farm).

My Car - 2004 Mazda 6, 109,000 miles

Damage is fairly minor - scratched and dislodged rear bumper, trunk wont open now. cracked the front wind shield. There is a piece of something that is jarred loose and is hitting my rear tire when I drive. Check engine light is one now. Pics are coming...

I am in the state of ohio. Right now I don't think I am injured other than a sore back and slight head ache.


State farm is supposed to be sending an adjuster out today or tomorrow to look at my car.

Thoughts? Advice?

TYIA!


Personal Finance Deals
Is Buying A Condo Ever a Good Idea? When?
Added on : Sunday June 15th 2014 06:00:08 PM
g: 0 Posted By: robronson
Views: 16 Replies: 0 We know that in general, buying a condo is a terrible idea. a few highlight bullet points:

1) HOA restrictions. Keep you from doing what you want. It's like having a second government. Or mother.
2) HOA Special Assessments. HOA gets to decide when you need to drop an extra $20k on Project X.
3) HOA Lawsuits. HOA gets sued for doing something stupid. You foot the bill for the amount that exceeds their insurance.
4) Restrictions on renting. By the HOA.
5) Inability to sell, if too many units are not owner-occupied because no bank will issue a mortgage to the person who wants to buy your unit.
6) HOA requiring you to buy something you may not want. Like a community pool. Or monthly cable TV.

I don't mean for this to be a Condo-bashing thread. I'm citing the common issues that I've read on FWF against condo ownership. I started this thread to explore the possibility that in limited circumstances, buying a condo may be a good thing. In nearly all cases, buying a timeshare is a terrible idea. But I'm sure there's limited circumstances an FWFer could exploit the deal.

Tell me, FWF, when does buying a condo make sense?
g: 0 Posted By: DizzyT71
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Health & Beauty Deals

MiniInTheBox Coupons
Thoughts on how much coverage for uninsured drivers
Added on : Wednesday June 11th 2014 07:00:31 AM
g: 0 Posted By: CPAESQ
Views: 24 Replies: 0 I was adding an umbrella policy, and I had to up my auto insurance from 100/300 to 150/500 (something like that)

However, I was looking at the uninsured / underinsured driver section of my policy and it was 25/50 This seemed a bit light

I doubled it to 50/100 I could go higher.. but wanted to see what the group thinks
Personal Finance Deals
Help Deciding between Mortgage Options
Added on : Tuesday June 10th 2014 06:00:06 PM
g: 0 Posted By: JayPC
Views: 118 Replies: 0 Hi FWers,

Here's my situation. I have been shopping around for mortgage loan for a new construction condo:

Loan 1: 10% down. Bank is ready to finance 90% at 3% interest rate with 0.5% PMI. It will be a 7/1 ARM with 30 years amortization. Around 3500 closing fees (not including taxes and home owners insurance which will be same across all loans).

Loan 2: 10% Down. Broker quoted for 80/10/10 piggybank loan with first mortgage at 3.25% (30 years) and second mortgage for 5.25%. Around 4000 closing cost.

Please help me in deciding which loan will be better. I am planning to stay in this house for about 7-10 years.Any suggestions?
Question Deals
Homeowner's Insurance - ACV versus Replacement Cost - experiences?
Added on : Tuesday June 10th 2014 09:00:13 AM
g: 0 Posted By: solarUS
Views: 98 Replies: 2 I am looking to get some new HO policies for some rental property and the broker is offering 2 types - Actual Cash Value (ACV) where the adjusters will depreciate everything, and Replacement Cost - where, yknow, you get the replacement cost. I was wondering if any members have some anecdotal evidence of ACV being really undesirable, because for these houses, the cost savings are significant. I am getting substantial deductibles (10K) on them, because i have no intention of filing claimsfor any piddly amounts - this is strictly catastrophic coverage - fire, tree fall, tornado, whatever. (flood is separate)

So, has anyone had to fight an insurer to get a reasonable claim payment for an ACV policy? In my head, i see them essentially doing an appraisal of the house after the fact, or if only partial damage, then estimating value based on whatever data they have available....but i'm just spitballing.
Personal Finance Deals
Health insurance issue
Added on : Monday June 09th 2014 12:00:15 PM
g: 0 Posted By: soonerbrink
Views: 78 Replies: 1 Anyone had to pay more because of two insurance plans?

I have two insurance plans. Primary paid the plan amount. Secondary insurance said the primary insurance paid more than the plan allowance of secondary so secondary didn't pay anything. Secondary also told me I don't owe anything because the primary paid over secondary max allowance.

I keep getting bills and I call and tell them I don't owe anything and refer them to the secondary insurance companies comments.

When I called the secondary insurance comapny this time they put me on hold while they called the provider. Secondary insurance came back and said I owe 700 dollars that I was billed because that's how it works in this state."

I asked, "So if I would have dropped the other insurance and quit paying the premium on the other insurance I would owe nothing, but because I paid the premium now I owe 700 dollars." The response was "Yes, that's how it works."

What makes it more ironic is if I only had one insurance, the provider would get paid 500 and I would be out of pocket nothing.
Because we have the other insurance, the provider gets 2000, and now they want me to pay 700.

Thought I would ask for advice before I spend hours reading the fine print of the policies.

Thanks for your comments!
Question Deals
Health Insurance - HSA vs Non-HSA
Added on : Monday June 09th 2014 08:00:14 AM
g: 0 Posted By: tinsun289
Views: 37 Replies: 1 Hello..I would appreciate some advice on the health insurance plans for myself. I am little confused as which plan to prefer. Any suggestions are greatly appreciated. Here is my scenario.

My employer used to have regular PPO plan with high premium ($270) and low deductible ($500). He now says that due to Obama care the price has changed for this plan, the premium is now $350 with $500 deductible. Max out of pocket for this is $2250 annually with 10% coinsurance for most of them.

He is saying he has introduced a new Low premium ($285) with high deductible($1500) which is eligible for HSA account which is pre-tax contribution. Max out of pocket for this is $6350 annually with 20% coinsurance for most of them.

As for my doctor visits go, I visit once in 2-3 months. This year I had to get xrays and some physical therapy sessions. Other than that I usually get physicals done once a year.


Personal Finance Deals
How to deal with this insurance claim?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: kubakj
Views: 0 Replies: 0 I am in the insurance claim loop now and looking for some idea how to proceed. I have a condo insured thru Allstate. Condo by-laws require to insure anything inside the apartment. Building has a building wise insurance as well to cover common elements. In January there was huge leak in the building from few floors above during the night into my living room as I was sleeping in the bedroom, so water was dripping like crazy whole night. As a result many my personal items was destroyed/damaged as well as portion of wood floor was damaged and ceiling as well. This leak initiated from one of the condo member and they quick announced that no one made a negligence and we should just ask our insurance for payment. Of course I was pissed as I have $1k deductible and Allstate DENIED reimbursement for my floors and ceiling (two major expenses) damages. I have to change sheet rock for my entire ceiling and few sq^2 of wood floor needs to be replaced. Allstate stated that bylaws says any casualty in the building like that should be covered by building insurance. I asked building management to initiate claim with building insurance, but their agent calls me and says that my responsibility, as others have been paid by their insurances for all damages and I should go back to allstate. I asked him to anything in writing, nothing. After few months now I asked ALL parties to either get paid or denied for the damages and provide in writing why. Building insurance agent is not responding to any phone calls, management and condo board just talked to him and he assured them that will take care of it with Allstate. Building insurance didn't even start any claim and their agent's secretary ALWAYS says he is not available and HE will call me back, but never does.

So now I have damaged floor and ceiling with not my fault and no one wants to talk to me. I didn't go to any lawyer for advice yet, as I don't have much free time for that, but now I am ready to take some action.

Any suggestion how I should deal with it? Also I think I should be responsible for my deductible if leak came from other unit. Its either that tenant should pay for it or HOA for not protecting building system from freezing.

I am just afraid now that in case there was fire or something worse, I will be left with nothing.

NYC condo location.
g: 0 Posted By: hellokitty27
Views: 194 Replies: 0 LightintheBox
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Home & Garden Deals
How to "maximize" closing costs in a full cash house purchase
Added on : Friday June 06th 2014 07:00:03 PM
g: 0 Posted By: lutgaya
Views: 37 Replies: 2 I'm buying a house and working with a realtor who Agreed to share The Commission with me At closing. This commission can be applied toward the closing costs to minimize the complexity. Problem is that I decided to buy the house in cash and there are negligible closing costs. What kind of costs I can add toward closing other than home insurance and may be home warranty to maximize my commission credits?
Personal Finance Deals
Selling first house, had some questions about fees
Added on : Wednesday June 04th 2014 02:00:10 PM
g: 0 Posted By: Al3xK
Views: 73 Replies: 5 So my family really wants me to use their Cent21 agent, who is smart/good, but I had some questions on the fees and was curious if these are typical or unusual. The house is going to list for ~$230k and was built in ~1920 in Indiana. Their fee estimate shows a $219k sale sample. 7% is the typical "rate" for selling a house.

Sale price $219k

Listing brokerage fee: $7665

3.5%

Selling brokerage fee: $7665

3.5%

Broker Commission fee: $179
Owner title policy: $603

Is this mandatory or recommended? I thought the buyers buy a policy and I have my title insurance policy from when I bought it.

Deed & Affidavit: $60
Search & Exam Fee: $280
Prorated taxes: $2600

Property taxes for the year are $1940 so is this just a high guess and I would receive money back?

TIEFF: $5
Wire Fee: $25
Overnight courier fee: $50

I'm in Arizona so this seems high but ok

Home warranty: $420
Miscellaneous: $100

Huh?


Total deductions: $19652
Estimated net to seller: $199,348

This puts my effective rate at like 8.97%. Are these numbers typical?
Question Deals
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

Fast forward a couple of years, we have seen our home insurance premiums increase 25-30% per year since 2011. With the first 2 increases we called and were told it was due to statewide increases and our house getting older, which sucked, but made sense. This year again we got a 30% increase so I started shopping around only to find quoted premiums are really high, i.e. in 2011 we paid ~$700 and now in 2014 we are paying $1750 and new quotes are coming in at $3900+/-.

I inquired why and was told by one company it was due to our claim in 2011 that shows up on CLUE as a $0 claim, but was still considered and treated as a recent claim. The problem I have is there was no claim ever filed, I only called to get guidance on how to do things right when being out of town so I can make sure I am covered by insurance if needed. Long story short, I called the Insurance company I had in 2011 and asked them to remove the CLUE entry and was told that it isn't possible, the best they were able to do is send me a "Letter of Loss" basically saying they made a claim that was cancelled by me without any action taken on their part.

Question is can I do anything about this? I am now looking at paying really high premiums likely because I spoke to the insurance company about remediation for potential damage. If not, maybe this will serve as a warning not to call insurance unless you are really sure you will use them.

Thanks!
Question Deals
A way dental insurance makes sense: not requiring a wait period
Added on : Tuesday June 03rd 2014 07:00:08 AM
g: 0 Posted By: Gauss44
Views: 81 Replies: 2 I'm doing some research to figure out if all individual dental insurance policies, as oppose to group policies (that require working for a certain employer), require new subscribers to wait some number of months before their coverage begins. I will post results as I get them.

Delta Dental - Requires a wait period
BCBS - Has no individual plan (only plans through employers)

(The significance is that no wait period means, I think it means, you can just buy the insurance before heading to the dentist if and when it's needed.)
Discussion Deals
Strategy on buying 2 homes
Added on : Thursday May 29th 2014 02:00:07 PM
g: 0 Posted By: dxulab
Views: 253 Replies: 10 Currently I'm renting an apartment. I have $250k cash. Initially I wanted to buy a new construction with all of the cash. But I just saw a 2010 home for sale for ~$200k. I'm thinking to buy this home with $200k cash and rent it out. Use the remaining $50k cash as 20% down payment for the new construction, get a 30-yr loan, and hope that the rental income will pay for the mortgage of the second home, which will be my primary residence.

Zillow calculator tells me the monthly mortgage payment (including tax/insurance/HOA) is ~$1300 and I think the 1st home will generate similar amount of rent, so ideally they will break even. My job is relatively stable with ~$3600 monthly income. I want to pay off the 1st home because I want to avoid 2 mortgages and keep things simpler. What do you guys think of this plan? Any potential risks? What are the tax implications? Any suggestions and comments are highly appreciated.

Real Estate Deals
asset protection from medical malpractice
Added on : Thursday May 29th 2014 08:00:11 AM
g: 0 Posted By: fdrjs
Views: 124 Replies: 3 I practice medicine in FL. My wife and I own several properties. Cap for tort cases were just recently removed in FL. I worry that our properties are exposed in case the award is greater than my malpractice insurance coverage (typically $250,000). I am not worried about tenants suing as much because of our umbrella insurance.

Options:
1. put a total of 3 rental properties in a LLC. Will a LLC prevents plaintiff from going after the properties if the award isgreater than my malpractice insurance coverage?
I am aware of serial LLCs but cost of maintaining and organizing is higher.
2. will putting all properties under my wife's name work?

Any advice is greatly appreciated.
Financial Implications of UberX
Added on : Wednesday May 28th 2014 08:00:05 PM
g: 0 Posted By: BigManonCampus
Views: 56 Replies: 3 I know this idea has partially been discussed here:http://www.fullofdeals.com/forums/finance/1337560/ but I wanted to go into a bit more detail and go with a slightly better thought out "business plan" for UberX driving. I recently finished my MBA and so I suddenly have what feels like a ton of free time at night and on weekends. There are the obvious FWF solutions of how to spend this time (H&B, etc.) but it seems like some amount of this time could be spent making more money and getting me out of the house. I had an idea today to start driving for UberX a couple nights a week (I'm thinking a weekday night and a weekend night) and how it could potentially be profitable.

My current vehicle is a pickup truck, so I'd have to obtain a second vehicle for Uber driving. Their requirements are <10 years old, clean title (not salvage/rebuilt), "excellent cosmetic and mechanical condition" (frighteningly vague) and 4 doors. A bit of basic craigslist/autotrader browsing suggests I can get a suitable 4 door vehicle with ~100k miles on it that is exceptionally unpopular (Suzuki Forenza/Verona, Chrysler Sebring/PT Cruiser, Chevy HHR, etc.) for around $3,500-5k. Alternatively, there are some nicer options (Lexis IS250, Cadillac CTS/Deville) in the $7-9k range. The hope would be that I could essentially drive these cars around 20k miles and do little maintenance beyond oil changes and treat this car as my UberX whipping boy then just sell them for roughly I have in them (alternatively, if something serious breaks or the car is totaled, consider it a capital loss and see what I can get for scrap, I'm cool with this risk).

So, here's my math:
Shift Mileage $ from Mileage $ from Time (Assuming 80% time/mile ratio) $ from Base fares (assuming 5 mi/ride*$2) Total Gross Earnings Uber's Cut Gas Cost @ 25 mpg @ $3.7/gal IRS Mileage Deduction (.56/mi) Taxable Amt Tax Burden ( assumed @30%) Net Earnings 20 28 22.4 8 58.4 11.68 2.96 15.82 30.9 9.27 21.63 40 56 44.8 16 116.8 23.36 5.92 31.64 61.8 18.54 43.26 60 84 67.2 24 175.2 35.04 8.88 47.46 92.7 27.81 64.89 80 112 89.6 32 233.6 46.72 11.84 63.28 123.6 37.08 86.52 100 140 112 40 292 58.4 14.8 79.1 154.5 46.35 108.15 120 168 134.4 48 350.4 70.08 17.76 94.92 185.4 55.62 129.78 140 196 156.8 56 408.8 81.76 20.72 110.74 216.3 64.89 151.41 160 224 179.2 64 467.2 93.44 23.68 126.56 247.2 74.16 173.04 180 252 201.6 72 525.6 105.12 26.64 142.38 278.1 83.43 194.67 200 280 224 80 584 116.8 29.6 158.2 309 92.7 216.3
Here's my explanation of my assumptions/numbers
Shift Mileage: Assumed mileage driven with a paying passenger

Income:
$ from Mileage: Assumed mileage x mileage rate
$ from Time: I took my last twenty UberX trips and the average Mileage $/Time $ was around .8, so I just multiplied $/Mile * .8
$ from Base Fare: Obviously this is highly dependent on number of trips. I punted on this one and assumed each trip was 5 miles, so every 5 miles I make $2/base fare.
(Not Calculated): Any weekend night I don't spend partying in bars, I don't spend money on drinks/rides home.

Deductions:
Uber's Cut: 20%. I would probably also drive for Lyft as well, in my travels, I've seen many drivers do both UberX and Lyft at the same time, but I'm assuming whomever I'm driving for, that's commission.
Gas: My assumptions per mile
Taxes: Assume 30% for taxes and 56.5 cents per mile deducted.

The obvious things ignored here are miles with no earnings going to pick somebody up (to which I have no idea how to calculate) and insurance costs. I assume my insurance costs will be minimal because it'll be a second car on my current single driver policy and carry liability only insurance. If I have a $3,500 car that is only the UberX whipping car and I total the thing, I assume my insurance and Uber's $1 million liability will pick up the liability, and I'll just get rid of the wrecked car and decide that UberX wasn't worth it.

I'm assuming that using a normal distribution with the above numbers and assuming 60-120 paid miles, I'll average $100/night (I suspect it would be more like $50/weeknight, $150/weekend night) Whether this is realistic or not, I don't have a good way to determine, Uber's community managers swear that everybody gets $1000+ a week, blah blah blah.

So, my only unknowns are the real UberX market in my city, if I bought a car and immediately had to put a significant amount of money into it ($500 repair or something two weeks after I get it), but that is just a risk I have to take with this plan.

So, FWF, anything I'm missing?
Question Deals
my experience with the ACA; does this mean I'm poor?
Added on : Wednesday May 28th 2014 06:00:03 PM
g: 0 Posted By: bluegreenturtle
Views: 132 Replies: 2 I see no reason to create an Alt for this - I have no idea why people do when asking personal questions. So last month, I was looking through various health insurance options for next year (we opted to "keep our insurance" because it was very cost efficient, a $3500 deductible HSA) and the site redirected me to a "community adviser" which is what my state (Oregon) is using to sign people up for ACA compliant plans (because, as you might have heard, our website is dadgum broken). It gave some details on "Healthy Kids" which is our state's low income assistance for people under 19 and it seemed like we might qualify, so I signed up for a call from the adviser.

To my surprise, using our tax return as an income qualifier, we not only qualified for assistance, our children qualified for the "no cost" options for assistance and the adviser took their info and signed them up right away because our income was "so low". We signed up for new insurance that is similar to in cost, though slightly worse coverage than what we had, but getting the kids on the healthy kids plan cut our premiums way down. I'll post the qualifications for the plan at the bottom of the post - basically if you're at 300% or below of the poverty level, you qualify for full coverage for your kids.

The number that brought this about was that our AGI on our return was $55,000. The insurance adviser said that the state considers anything below an income of $78,000 for a family of four to be qualified for free health coverage for the kids. To arrive at the AGI, we also contributed $16k to my SEP IRA, $5500 each to our trad. IRA's, and $3250 each to our HSA, so we put away about $33k this year in tax deferred accounts and paid all our bills too. To me, this doesn't seem like a family that should qualify for public assistance.

So my question is this: am I poor? Does this mean we're on public assistance? I'm a long time member of Fatwallet, have always felt we were doing well above average, even among members of this forum - the above information shocked me; our state considers us to be in need of public assistance. Maybe I'm deluded. I grew up poor and am usually happy with our little successes. I feel like I'm missing something - the forms have all come with our children signed up, and now we don't have to pay for their premiums, and their coverage is complete, supposedly, much better than what we had buying it. I have no idea if they verified our income - it seems like they must have, but I'm not sure how they had time.

Here is a link to the qualification guidelines. Obviously every state is different. Perhaps ours is overly generous. http://www.oregonhealthykids.gov/families/qualifications.html

Discussion Deals
bodly injry claim
Added on : Wednesday May 28th 2014 03:00:09 PM
g: 0 Posted By: mk1039
Views: 40 Replies: 0 hi, i had a small auto accident some time back in Tx due to my mistake. even though it was a small accident(just bumper replacement), the other party filed a big personal injury claim and it seems too big. in-case my insurance company cannot reach settlement with the other party, what are the consequences ? also if there is anything i need to do.

i heard, by law its the responsibility of insurance company to handle it (as long as its in my insurance limit) and i should not worry but what if they have a deadlock ? will the other party come after me ?
New User Question Deals
Question about multiple claims against my homeowner's insurance.
Added on : Wednesday May 28th 2014 03:00:09 PM
g: 0 Posted By: chocula
Views: 31 Replies: 0 I have a couple of questions about making another claim against my homeowner's insurance.

I have had the same insurance company for my house and car for about 15 years or so. I never had a claim until about 8 years ago when our town was hit pretty hard by tornadoes and an extremely large tree landed on our house. Somehow our chimney took the brunt force of the tree (i was sleeping under where the tree landed on the house), it still did about $30k in damage to our house.
We filed an insurance claim and they paid everything but our deductible. Other than about 3 or 4 back and forth messages there were no issues with getting the work approved and the contractor paid.

About 2 years ago, I got a chip in my windshield and was told that the insurance company would repair those for free. We had a guy come out to the house and he repaired the windshield.

We have lived in our current house for almost 7 years and have never had a claim against it. Last year, we had a really bad storm and about 60% of the houses on our street had their roofs replaced. We decided against repairing the roof or filing a claim since we had one previously. In the 7 years we have lived here, we have had several bad storms.
Last week, we had another pretty bad storm and the builders were out in force trying to get people to replace their roofs.

After the most recent storm, we had a very small amount of water in our garage where you could see it leaked from the roof area.

My wife and I were discussing whether or not we should get our roof replaced and decided to have someone inspect the roof. You can clearly see the damage from the hail on the shingles and the flashing. Several of our screens were damaged as well. My vehicle has a few hail marks on it, but it is 8 years old and a few marks on it are no big deal.

The builder that inspected our roof said that the front part of our roof has a great deal of damage, but surprisingly the back part of the roof is not that bad.

I have read here that just calling your insurance company about these issues can count against you, so I wanted to get some advice before calling them.

My questions:
1. Will having another claim cause my premiums to go up?
2. Can they cancel my insurance if I have a 2nd claim? I am guessing it will be $5-6k to replace the roof (based on the costs for my neighbors to get their roofs repaired).
3. The builder said that my insurance company may not pay for the back part of my roof because it was not that bad. Would an insurance company only repair half a roof?
3A. Our house that was hit by a tree in Atlanta was a split level and only one roof was damaged. We paid for one roof and the insurance company paid for the other one,
4. Do you have any advice for me with this situation?

Thanks in advance. We are obviously trying to get the roof repaired, but at the same time do not want to lose our insurance.


Question Deals
Tax Implication of Limited Liability Company
Added on : Wednesday May 28th 2014 06:00:11 AM
g: 0 Posted By: UZ22
Views: 99 Replies: 0 Hi Everyone,

I am thinking about buying one or two rental properties for investment and rent them out. However I was told because of possible liability issues, I would better start a Limited Liability Company and manage them under that or get an umbrella insurance policy.

I would be taking a HELOC loan for this investments. my assets do not exceed 60,000 at this point.

What are the Pros and Cons for each of these scenarios?

Thanks!!!!!

Personal Finance Deals
Worst estate plan ever.
Added on : Tuesday May 27th 2014 03:00:07 PM
g: 0 Posted By: CptSavAHo
Views: 226 Replies: 5 So here goes...

Mother in law has 3 different life insurance policies and 3 daughters. They all have different value. Not sure but I'd guess the total is less than $20k. Each daughter is 100% beneficiary on a different policy. MIL sent letters to each to divide the money equally should she pass away. There's tons of ways this could go bad. None of the letters have witness or notary. MIL thinks I'm crazy for trying to get her to witness and notarize new letters and won't call to get the insurance companies to specify 33% each. Can the 3 daughters all sign am agreement to split among themselves and have it notarized? Would it hold any weight if the FIL sued? Extended family has a history of poor financial planning and I don't want to be in the middle of a battle for smallish sums of inheritance.
Discussion Deals
g: 4 Posted By: gd78
Views: 1084 Replies: 5 Summary:
Receive a $10 Lowes gift card for getting an auto insurance quote from AAA.
You must be a California resident
You DO NOT have to be a AAA member.
You DO NOT have to buy anything.
There's no invitation code and it's not targeted. Just tell them you want the Lowes offer.
You must get the quote in person or by phone.

Link to offer details

For a limited time, the Auto Club is offering you afree $10 LowesGift Cardwhen you get a free auto insurance quote.Simply choose one of the following ways to obtain a free auto insurance quote and mention the offer to receive yourfree $10 LowesGift Card.Its simple, and its free

Visit your localAuto Club branch(Southern California branches only)
Call an Auto Club agent at1-888-575-0293

HurryOffer expires July 31, 2014$10 Lowes gift card offer valid for CA residents through 7/31/14 who mention the offer and receive an insurance quote.Must be 18 years or older. Limit one free gift card per household per 6 months. New quotes only. Not valid for online quotes. Existing AAA insureds not eligible. NO PURCHASE REQUIRED. We reserve the right to provide a substitute incentive. Please allow 68 weeks for delivery. Membership is not required for offer. Terms and conditions may apply. See cards for details. From a 7/1/12-6/30/13 multi-state survey of new auto insureds who switched to AAA and reported savings. $369 is the overall average savings. Each listed competitors savings is an average.
Surveys & Rewards Deals
g: 0 Posted By: gd78
Views: 161 Replies: 0 Summary:
Receive a $10 Lowes gift card for getting an auto insurance quote from AAA.
You must be a California resident.
You do NOT have to be a AAA member.
You must get the quote in person or by phone.

Link to offer details

For a limited time, the Auto Club is offering you afree $10 LowesGift Cardwhen you get a free auto insurance quote.Simply choose one of the following ways to obtain a free auto insurance quote and mention the offer to receive yourfree $10 LowesGift Card.Its simple, and its free

Visit your localAuto Club branch
Call an Auto Club agent at1-888-575-0293

HurryOffer expires July 31, 2014$10 Lowes gift card offer valid for CA residents through 7/31/14 who mention the offer and receive an insurance quote.Must be 18 years or older. Limit one free gift card per household per 6 months. New quotes only. Not valid for online quotes. Existing AAA insureds not eligible. NO PURCHASE REQUIRED. We reserve the right to provide a substitute incentive. Please allow 68 weeks for delivery. Membership is not required for offer. Terms and conditions may apply. See cards for details. From a 7/1/12-6/30/13 multi-state survey of new auto insureds who switched to AAA and reported savings. $369 is the overall average savings. Each listed competitors savings is an average.
Surveys & Rewards Deals
Evenflo 3102964 Maestro Booster Seat - Goldenrod $59.99 @ Woot
Added on : Saturday May 24th 2014 08:00:10 PM
g: 0 Posted By: ctgolfer
Views: 141 Replies: 0 Converts from 5-point harness to vehicle seat belt use as child grows
Auto-adjust belt path correctly positions the seat belt to your child for a proper fit
4 shoulder harness positions and 2 crotch buckle positions for extended use
Simple adjustment with upfront tightening and loosening makes it easy to get your child in and out of the seat.
Integrated cup holders keep drinks close without increasing the width of the car seat, allowing multiple car seats to fit your backseat.
Comfortable seat pad and removable head pillow are machine-washable to keep the seat looking clean.
The lightweight design comes equipped for LATCH systems, including tether, for easy conversion between multiple vehicles.
Energy absorbing foam liner provides added safety & comfort
Designed and tested for structural integrity at energy levels approximately 2X the federal crash test standard
IIHS (Insurance Institute for Highway Safety) Best Bet - Provides good lap and shoulder belt fit for typical 4 to 8 year-olds in almost any car, minivan or SUV
Rated a "Best Buy" by a leading consumer magazine!
Designed, Engineered, Tested, Molded and Assembled in the USA

http://kids.woot.com/offers/evenflo-maestro-booster
Home & Garden Deals

woot! Coupons
g: 0 Posted By: Commisioner49
Views: 2 Replies: 0 I'm a National Grid gas customer in Massachusetts and right now they are off a $100 rebate on wi-fi thermostats with a limit of 2. Amazon currently has these for $201.95, not a terrible deal. The deal to be had though is from Comet Supply:

http://www.cometsupply.com/mp/HONEYWELL/pm/HWLRTH9580WF/

$165.18 EACH plus shipping! Here was my breakdown for 2 units:

*WiFiSmartThermostat[2at$165.18=$330.36HONEYWELLmodelRTH9580WF]-----------------------------------------------------------------Sub-Total(2items):$330.36Insurance:$7.47SuperSaverShipping:$7.99Total:$345.82
$345.82 - 200 = $145.82 / 2 = $72.91 each.

I don't think this price can be beat anywhere for these. For MA customers, I attached the rebate form for your convenience.

I had never heard of comet supply, they don't have a fancy website, but after placing my order I had my thermostats in 2 days from Florida. They will be installed this week.
Appliance Deals
Driving With No Car Insurance
Added on : Friday May 23rd 2014 04:00:09 PM
g: 0 Posted By: uuuuut
Views: 151 Replies: 2 Hi FW Friends. I don't have a car so I don't have a car insurance policy, but I am often provided rentals by my employer.

Does anyone know if I could be held personally liable for an accident when driving a car rented by my company? I've asked the rental agency (Hertz) what the coverage is and they say there's no coverage on their side, so presumably my company has some sort of policy but they haven't told me what it is!
Question Deals
Looking for cheap car insurance in CA
Added on : Friday May 23rd 2014 09:00:13 AM
g: 0 Posted By: peteron
Views: 108 Replies: 1 Hi I recently moved from GA to CA due to job relocation in sillicon valley area. When I updated the address with Geico, I received a whopping quote of $974 for 6 months. This is a lot more than the previous amount I paid (487$) in Georgia. Now I am asked to pay the difference (>$700) caused by location change. I am 27, married, and never get any tickets in 5 yrs driving history. I was involved in two accidents and I was not at fault. I'd say I am a good driver per se. My car was newly bought in 2013 (2013 model), and loaned through Penfed. I wonder if there are any cheaper options, at best under $1.2k per year. Please share your knowings. Thanks!

current coverage:
100k/300k
500 Deductible conprehensive
500 Deductible collision
Personal Finance Deals
SUMMER MOVIE DEALS For Adults and Children - 2014 Season
Added on : Thursday May 22nd 2014 01:00:02 PM
g: 1 Posted By: BigBoyMichigan
Views: 184 Replies: 0 Special Thanks toHeyItsFree.net For sharing this information


AMC Theaters: Their Summer Nights program is aimed at adults with 8 blockbuster hits back for a limited time. Show times are Mon-Wed at 10 pm. Tickets are just $3 and benefit charity.

Bow Tie Cinemas Select locations are showing free kids movies on Tuesdays and Wednesdays at 10:00 am from June 24 to Aug. 20.

Cinemark Century Theaters: They have two different money saving movie programs. First, pay $5.00 p.p. in advanced and youll get tickets for 10 movies! Alternatively, you can buy your tickets at the show for $1 each. Note someRave Theatersare now owned by Cinemark.

Cineplex: Saturday mornings at 11:00 am through June will feature Cineplex Family Favourites. Watch a family favorite film each week for only $2.50 at participation locations.

Classic Cinemas: Beginning June 11th, Wednesday Morning Movie Series. Each Wednesday morning at 10 am ticket prices are just $1, all movies are rated G and PG.

Harkins Theater:Again, you have two options: Buy a season pass then each movie is less then $1. Or buy tickets the day of the movie for $2 per ticket. Show times are at 9:45 am.

Marcus Theaters: Every Sunday, Monday, and Wednesday mornings at 10am from June 15 Aug. 13 will feature a favorite family flick for just $2! Popcorn and sodas are $2.50 as well. Finally, you can score 2 free tickets by visiting a participating American Family Insurance agent.

Regal Cinemas $1 Movies All summer long long you can see select PG movies for just $1 a ticket. Show times are Tuesdays & Wednesdays at 10am.

Studio Movie Grill: Their Summer Childrens Series is every weekday at 11 am. Like the rest, you get a family friendly film only $2 a ticket.

Showcase Cinemas: Their Bookworm Wednesdays allow kids to bring in a book report (6 and under dont need this) in exchange for free admission! The best I ever got for a book report was the promise of no more book reports.


You can also receive FREE MOVIE PASSES as well as Free Amusement Park Passes, Gift Cards, Meals, Concert & Sporting Event Tickets, Beer - if you donate blood at your local American Red Cross as well as other blood centers for complete info click link
http://www.fullofdeals.com/forums/free-stuff/1289688/

Restaurants & Entertainment Deals
Used car purchase
Added on : Wednesday May 21st 2014 05:00:13 PM
g: 0 Posted By: southpaw0
Views: 201 Replies: 4 I have a friend who is buying a used car... a 2011 volvo t5 which is priced below its true market value. It is priced at about $11,000. I am wondering why its so low, and am wonding if an insurance claim for say hail damage amy have been filed pn it. It appears to be in excellent condition other than high mileage (100,000 miles).

Is there a way to find out if an insurance claim was filed on it through its VIN number? Would Carfax report show such claims? Thanks.
Question Deals
Helping Mom
Added on : Wednesday May 21st 2014 05:00:09 AM
g: 0 Posted By: jrbrann
Views: 14 Replies: 1 My mother is getting ready to retire and she will be selling her house next month and I have been charged with helping her budget everything out.
Here is a quick snapshot of her finances-
Monthly income- $2500 from retirement, and additional yearly income of approximately $600, so a total of around $35,000 before taxes and insurance.
Her monthly expenses will be rent of $1100 approximate utilities of $300.
She also has approximately $20k in liquid savings.
The question is what to do with nearly $200k that she will get when she sells her house? This is ALL she has so I would like it to be on the safe side but I also want to insure that it out paces inflation. Annuity, bonds, or other- Thoughts?
Investing Deals
g: 0 Posted By: sniperruff
Views: 25 Replies: 2 Looking to purchase my first home. I understand thefundamentals of home financingas I've read up the basics of mortgages over the past few weeks.

Background: I have a job in finance with decent pay but the whole industry is unstable and everyone is "fired at will" - there is no heads up, or guaranteed severance. I don't think I will be permanently unemployed if I lose my job but there could be employment gaps. Therefore, I am looking for some protection for the worst case scenario.

The house I'm planning to purchase will be about $500k. The house is in an area in NYC with good rental activity, and I project to generate at least $3,000 a month in rental income (2 units, before expenses). Therefore I should only have to pay for water and other smaller expenses. This is a new building that qualifies for property taxes abatement for about 10 years (I think) so taxes will be minimal.

I've saved up enough for 20% down, closing costs (~$30,000), and about 22 months of mortgage payments for 30-year fixed @ 4% (or 16 months for 15-year fixed @ 3.25%). Monthly payments (assume 20% down, so $400,000 mortgage) are as follows:

30-year fixed @ 4% = $1,900/month ($287,500 total interest paid over life of loan)
15-year fixed @ 3.25% = $2,800/month ($105,000 total interest paid over life of loan)

A 15-year fixed mortgage certainly saves me a lot of interest expenses, but I also don't want to be wiped out should I become unemployed for an extended period of time. My friend suggested me to go with a 30-year fixed, then prepaid whenever possible to lower my interest payment. Assume the best case scenario if I prepaid $900 monthly, then this happens:

30-year fixed @ 4% = $1,900/month + $900 prepaid ($151,000 total interest paid over life of loan)

In a nut shell, I would pay about $50,000 for an "insurance" that could let me fall back onto a 30-year mortgage with $1,900 monthly payment, which my projected rental income should cover along with other house-related expenses.

Here are a few questions:
- Is such an insurance worth it? I know it's obviously subjective, but a $50,000 insurance sounds like a lot.
- What about refinancing as a form of insurance? What if I go ahead with a 15-year fixed and then refinance (although interest rates would most likely have gone up) should I need to?
- Is this commonly done? Any potential hurdles?
- I read that the approximate cost of refinancing is 2-6% of the total mortgage. Assuming I fall onto hard times in 5 years (by then I'll have $286,000 principal left on the mortgage), does that mean it'd cost about $15,000 to refinance (assuming 5% refinance cost)? Any other associated costs?

Sorry for the long write up and thanks for any tips

TL;DR: is refinancing a cost-effective way to lower monthly mortgage payments?
Personal Finance Deals
Penfed 5/5 or BoA 10ARM Mortgage - please help me decide
Added on : Tuesday May 20th 2014 03:00:06 PM
g: 0 Posted By: 1X2Y3Z
Views: 60 Replies: 0 Hi:
I am taking a loan of around 640K after 20% down payment and here are the two options I am considering. I intend to stay in this home no more than 10 years and hence I am considering these two options

Penfed -- Current rate on the 5/5 ARM is 3%. 2% max every reset, with 5% lifetime max. Will help with closing costs upto 10K but I need to use their title services which as per the GFE cost at around $8000 -- $5000 for title services and lenders title insurance and $3800 for owners title insurance. I read elsewhere in these forums that they don't treat them as simultaneous insurance policy which other title services companies quote at $4600. Also, I believe the first 5 year reset is a minimum 4% because what I am getting now is promotional rate of 3%.

BoA - Current rate on the 10/1 ARM is 3.25%. 5% max on first reset, 2% max subsequent resets, with 5% lifetime max. Will provide lenders credit of around $2000 and I can use my own title service which is around $4600. One additional cost compared to Penfed is $800 origination fee.

I must mention that dealing with Penfed is extremely difficult, very poor response whereas BoA rep is very accessible and very eager to help and expedite.

Any views, recommendations and/or things I should be considering as I make a decision? Please help me make a decision.

Thanks in advance...

New User Question Deals
another to rent or sell?
Added on : Tuesday May 20th 2014 02:00:08 PM
g: 0 Posted By: releasefoobar
Views: 10 Replies: 0 We are moving and are considering renting vs. selling our current home. We toyed with the idea of a rental property but figured we should buy a cheaper house in the neighborhood, fix it up a bit, then rent it. There are pretty beat houses in the neighborhood going for 50-90k, we purchased this house 5 years ago in fairly decent shape for 130k. We are also concerned with the current housing stock in the area used for comparable. There are very few houses that have been fixed up then sold, but the ones that have sold fast.

The dilemma that we have with our current house is that we did upgrades over the past few years with the intent of selling not renting. We refinished the hardwood flooring throughout, have mid-grade kitchen cabinets with granite countertops, refinished the bathtub, etc. We are not sure that it is worth the potential risk of damage to the property if/when we choose to sell it but we don't want to eat money by selling if renting might work out a little better. Here are the numbers

Average rental in this neighborhood 1200-1450/mo
Price we think we could get for ours 1300-1400/mo
Final sale price we think we would end up getting 140-145k (minus closing costs and seller subsidy)Purchased the home for 130k
Still Owe 113k
mortgage + insurance + taxes 1048

1048 mortgage + ins + taxes
130 10% vacancy
130 10% maintenance
40 water
----------
1348 rent - is this the proper way of calculating the rent price?
Real Estate Deals
New driver with $5k car damage. Please help me decide what to do.
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 1 Posted By: vholic
Views: 202 Replies: 9 I'm a driver in my 30s, however I only got my driver license recently (Oct 2012). I live in MA with a full coverage insurance for $3,033/yr with $1,000 deductible.

Car info:
2009 Mazda 3 S Touring Hatchback 41,500 miles
Purchase used in Jan 2013, paid cash OTD $16K (incl tax & everything)
Blue Book value as of today: Trade in to dealer in fair condition $10K
Recent repairs: $1K for one new tire, one new axle/CV joint, all new rotors (Apr 2014)

I got into an accident in an underground parking lot last Sunday. I hit the cement support beam when backing up and had some damage to the left side of my car. All lights are still functioning after the accident. Pic attached.
I went to 2 reputable body shops. Body Shop A quoted me $5,500 (big shop, everything is guaranteed). Body Shop B (mom&pop) but also reputable quoted me $4,200 insurance or 10% disc if I don't do insurance.
The car needs a new quarter panel, bumper and rear lights-left side.

Please help me decide what to do:
1. Do nothing. Knowing that I'm a new driver, I don't think this will be my last accident. I will use this car as my "training wheel" for 3-4 years.
2. Claim my insurance. I will get 4 points in my record for 5 years. Insurance will incr to $3,917/yr. My out of pocket will be $1K ded + 2 weeks of rental car (found out that I don't have rental coverage).
3. Pay the repair out of pocket.
4. Go to a cheap/somewhat shady place looking for a repair that costs half as much (~$2K).
5. Sell my car as is (maybe ~$6K?) and get a crown vic.

I'm leaning toward option 1 right now. Need some opinions on pros & cons. Thanks in advance.

Pic: http://i.imgur.com/DhdxvdO.jpg

Personal Finance Deals
Travel Deals from Orbitz + up to 8.12% Cash Back
Added on : Monday May 19th 2014 07:00:07 PM
g: 0 Posted By: FatWallette
Views: 141 Replies: 0
Save with an Orbitz promo code and FatWallet cash back for your go-to spot for travel deals. Orbitz Worldwide, a leading global online travel company, offers cheap airline tickets, vacation deals, car rentals, cruises and more on Orbitz.com. With an Orbitz coupon code, make room in your vacation budget with cheap hotels, no fees or a hotel special for a free night. Be sure to check out Orbitz weekly and seasonal deals, for travel specials on eco friendly vacations, special hotel rates, or savings on specific travel destinations. Add an Orbitz coupon or cash back for maximum savings.15% off Hotels + Extra $15 Orbitz Rewards w/ Air Purchase​ Up to 3.75% Cash Back; $2.25 Cash Back on flight bookingsuse coupon FATWALLET15exp. 5/26/14 $150 off Flight + Vacation Packages 1.25% Cash Back$1,000 minimumuse coupon FWVACA150exp. 5/26/14 Save $75 on Flight + Hotel Packages 1.25% Cash Back$500 minimumuse coupon 75VACAexp. 5/26/14 Save $25 on Las Vegas Flight + Hotel Packages 1.25% Cash Backuse coupon VEGAS25exp. 5/26/14 Offers from Air and Water
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Travel Deals Deals

Orbitz Coupons
Soliciting advice regarding housing situation
Added on : Monday May 19th 2014 10:00:14 AM
g: 1 Posted By: investingstuff1971
Views: 134 Replies: 2 Hi,

I am trying to help a good friend get her life together and one of the first things to figure out is what to do about her living situation. I will try to describe the situation as succinctly as possible. In 2005 her then mother-in-law borrowed the money to have a house built for her son and my friend. As near as I can deduce from the public records, the total amount of money borrowed was $91,000, split between a first mortgage and a HELOC (presumably to get around mortgage insurance). Later in 2005, she quit claimed the property to her son and my friend so, as I understand it, there are currently three names on the title, the mother-in-law, her son and my friend. In 2006 she took out a second mortgage against the property in the amount of $23,000. My friend is almost sure that only the mother-in-law's name is on any of the promisary notes. In 2009 or 2010, my friend and her husband divorced. I don't know that details of that proceeding beyond the fact that there were no lawyers involved and I would imagine that there weren't many assets to distribute.

In any case, my friend got custody of the three children and the house. She has for the last four years dutifully made the mortgage payment (which are $800/month) on her mother-in-law's note. I am trying to figure out what the payoff is for everything, but the house is almost definitely under water by at least 10 or $15k. There is a lot of tension (much of which is unrelated to the house) between my friend and her ex-husband's family and I think that it would be really healthy for her to simplify their relationship by leaving the property. My friend is open to the idea; the house has a lot of sad memories for her and she would almost certainly be able to find something nicer to rent for less money. (we live in a pretty economically depressed area) I really don't want to give her bad advice though which is why I'm soliting the fatwallet forums for their thoughts. Were she to leave the property I don't know exactly what here mother-in-law would do, but I would imagine that she would try to do a short sale. What if the house went in to foreclosure though? If that were to happen, how would that affect my friend who is one of three names on the title but not party to any of the notes against the property? I'm trying to encourage her to talk about the situation with her mother-in-law so that she can extricate herself from the situation in the manner that does the least harm to the both of them. Frankly here mother-in-law has treated my friend very, very badly, but she was nice enough to help them buy the house and neither of us want her to suffer a foreclosure if it can be helped.

Anyway, I know that this was all a bit rambling, but I'd love to hear any thoughts that anyone might have.
Personal Finance Deals
Short term health insurance options
Added on : Monday May 19th 2014 04:00:06 AM
g: 0 Posted By: MiaFLSurf
Views: 61 Replies: 3 Long story short - I am a resident that is graduating in late June. My wife and I have had the health insurance provided through my hospital, which is by all means terrific.

Called last week, the coverage ends June 30th.

I start my new job (new state) on September 1.

My wife and I are 30 and 29, both completely healthy.

What should we do? Ride it out for 2 months? Find a company that insures for 2 months only? If so, any suggestions from those that have gone through this?
Personal Finance Deals
g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.amazon.com/Settlements-Galore-Winning-Settling-Person...

EMPOWER YOURSELF !

This book will empower you with the tools you need to understand how personal injury rights and obligations arise. It will give you the tools to understand how personal injury claims are evaluated and the tools to negotiate your settlement or take the case to trial if necessary. All types of injury accidents covered from traffic accidents, to slip and falls, to dog bites and anything you can think off. You will know what to do in all types of personal injury claims and you will know how to win your personal injury claim in small claims court.

Know what your rights are after an accident
Know when you have a case
Know how to boost the value of your claim
Know how insurance companies evaluate cases
Know the dirty secrets insurance carriers don't want you to know
Know how to gather your evidence
Know what to do with the insurance questionnaires
Know what mistakes to avoid in gathering and preparing your evidence
Know how to present your small claims case in court
Know what dirty tricks insurance companies use in small claims court
Know how to prepare for your small claims hearing
Know how to get a fair settlement with the insurance carrier
Know when and how to hire an attorney

98 Chapters Total:
CHAPTER 1 -INTRODUCTION
CHAPTER 2 - WHY INSURANCE COMPANIES WANT TO SETTLE
CHAPTER 3 -WHY INSURANCE COMPANIES WANT TO SETTLE WITH YOU
CHAPTER 4 - DISCLAIMER
CHAPTER 5 - PURPOSE OF PERSONAL INJURY LAW
CHAPTER 6 RESPONSIBLE PARTIES
CHAPTER 7 - THE BIG PAYOFF MYTH
CHAPTER 8 - OUTLINE TO SETTLE YOUR CLAIM
CHAPTER 9 - WHO CAN BRING A PERSONAL INJURY CLAIM
CHAPTER 10 - PERSONAL INJURY CAUSED INTENTIONALLY
CHAPTER 11 - ROAD RAGE INJURY CLAIMS
CHAPTER 12 - UNINTENTIONAL INJURY CLAIMS
CHAPTER 13 - TRAFFIC ACCIDENTS
CHAPTER 14 - SEAT BELTS, BABY CAR SEATS AND HELMETS IN ACCIDENTS
CHAPTER 15 - BICYCLE AND MOTORCYCLE ACCIDENTS
CHAPTER 16 - PASSENGERS IN CAR ACCIDENTS
CHAPTER 17 - COMMERCIAL VEHICLE ACCIDENTS
CHAPTER 18- PUBLIC ENTITY VEHICLE ACCIDENTS
CHAPTER 19 - SECRETS INSURANCE COMPANIES DONT WANT YOU TO KNOW- DUI OR DWI DEFENDANTS
CHAPTER 20- TRAFFIC ACCIDENTS WHEN YOU HAVE NO CAR INSURANCE
CHAPTER 21 - NO DRIVERS LICENSE
CHAPTER 22 - FOREIGNERS AND UNDOCUMENTED WORKERS CLAIMS
CHAPTER 23 - DOG BITES
CHAPTER 24 - INJURIES CAUSED BY ANIMALS
CHAPTER 25 - WRONGFUL DEATH CLAIMS
CHAPTER 26 SLIP AND FALL CLAIMS
CHAPTER 27- TRIP AND FALL CASES
CHAPTER 28 - HOMEOWNERS INSURANCE
CHAPTER 29 - PREMISE LIABILITY
CHAPTER 30 - TOXIC TORTS- INJURY FROM CHEMICALS AND POLLUTANTS
CHAPTER 31- CLAIMS INVOLVING MULTIPLE DEFENDANTS
CHAPTER 32- OTHER NEGLIGENCE CASES
CHAPTER 33 - WORK ACCIDENTS
CHAPTER 34 - MEDICAL MALPRACTICE
CHAPTER 35 - DEFECTIVE PRODUCTS
CHAPTER 36 - PUBLIC ENTITIES
CHAPTER 37- CORPORATIONS AND OTHER BUSINESS ENTITIES
CHAPTER 38 - SPORT AND ENTERTAINMENT ACCIDENTS
CHAPTER 39 - CHILDREN
CHAPTER 40 - BURDEN OF PROOF
CHAPTER 41 - STATUTE OF LIMITATIONS
CHAPTER 42- INDIAN CASINOS
CHAPTER 43 - INJURIES ON MEXICAN AND CANADIAN SOIL
CHAPTER 44 - PROPERTY DAMAGE CLAIMS IN TRAFFIC ACCIDENTS
CHAPTER 45 - COMMON TYPE OF INJURIES
CHAPTER 46 - INJURIES REQUIRING SURGERY
CHAPTER 47 - CATASTROPHIC AND SEVERE INJURIES
CHAPTER 48 TYPES OF MEDICAL PROVIDERS FOR BODILY INJURIES
CHAPTER 49 - PROVING AN INJURY CLAIM
CHAPTER 50 - DEGREE OF LIABILITY
CHAPTER 51- SOCIAL MEDIA
CHAPTER 52 - OPENING A CLAIM WITH DEFENDANTS INSURANCE COMPANY
CHAPTER 53- INSURANCE CARRIER THREATENS TO CLOSE FILE
CHAPTER 54 - RESPONDING TO REQUESTS FOR INFORMATION
CHAPTER 55 - RESPONDING TO REQUESTS FOR INFORMATION FROM YOUR OWN CAR INSURANCE
CHAPTER 56- AUTO INSURANCE COVERAGE
CHAPTER 57 - SELF INSURED MOTORIST
CHAPTER 58 - INSURANCE COVERAGE IN NO FAULT STATES
CHAPTER 59 - AUTO COLLISION COVERAGE IN NO FAULT STATES
CHAPTER 60 - INSURANCE COVERAGE FOR PASSENGERS
CHAPTER 61 - HEALTH INSURANCE COVERAGE
CHAPTER 62 - DISABILITY INSURANCE
CHAPTER 63 - SEEKING MEDICAL CARE
Totally Free Deals
g: 0 Posted By: ashwani67
Views: 11 Replies: 0 My 2013 Toyota Prius C had a minor accident (fender bender). I was not at fault. The other party's insurance carried out minor repair of bumper and fender costing around $ 1500.

I there a chance I can claim "diminished value"? How to go about it? Any advice is appreciated. Thanks
Question: Where to get supplemental health insurance?
Added on : Friday May 16th 2014 11:00:06 AM
g: 0 Posted By: jomarrod
Views: 83 Replies: 0 A work colleague's work contract was taken over by a new contractor. To add his spouse, it would cost an additional $500/mo. His spouse is American Indian descendent and gets basic health and dental coverage at no cost, only when at an indian clinic. Unfortunately, if his spouse has a major issue (like breaking a leg, mammograms, MRI), she would be out of luck and would have to pay out of pocket at a different facility.

I am not familiar with Obamacare nor the Open Market for healthcare, so I could not offer good advice. But $500/mo seems like a lot. Is there anywhere where they could buy some type of supplemental insurance (or whatever it may be called) where it would cover the spouse when needed?
Personal Finance Deals
Car hit while getting serviced at dealership
Added on : Friday May 16th 2014 05:00:10 AM
g: 0 Posted By: tante
Views: 76 Replies: 1 I just received a call from the dealership saying my car was involved in an accident in the service area. I am heading to take pictures of my car in about an hour but I was hoping to get some advice from people here first before I talked to them. They already offered to fix the damages and put me in a loaner car but I am leaning toward getting the car fixed at a shop of my choosing. They told me they would need my car for 5-7 days so the damage sounds pretty extensive.

I am assuming that I am dealing with their business insurance versus an auto insurance company so how does that change things. And lastly how does a diminished value claim work?

car is a 06 Toyota 4Runner

and pics will be coming.
Job/Career/Life decisions. Advice and guidance is welcome
Added on : Thursday May 15th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 93 Replies: 0 I'm 27 years old. I work in IT and I make $107k a year. Last fall I accepted a position in Switzerland, but so far I've been unable to obtain a work permit. Thread about thathere.I have at most 2 more months until I receive a final decision, but I'm not optimistic at all anymore. In the meantime, I had another job come up, a contract opportunity which pays a fair bit more than what I'm making now, but it wouldn't be very challenging. My dream job would be to work as a pre-sales engineer or as a solutions architect.

Now let's talk about my GF. We've been together for nearly 3 years now. I would like to keep her around for a lot longer, she's a keeper. She's defending her dissertation next month and after that she'll have to find a post-doctorate for 2-5 years. Afterwards, she plans on pursuing a career in academia. She is currently interviewing for a post-doc in Switzerland and has a very good chance of getting the position, as well as a work permit.

Here are our options as far as I can tell:

1. (preferred, but unlikely) My Swiss work permit comes through and my GF gets a post-doc in Switzerland
pros:

I make close to $150k/year with overtime/on-call pay, she makes about $105k/year
We share an apartment, reducing our expenses
We get to explore all of Europe

cons:

​high cost of living, however our salaries would be more than enough to live well in Switzerland

2. I take the contract job, she looks for a different post-doc in the US.
pros:

I make $80/hour on a W2 with benefits
I have a lot of control over my job, it's basically a one-man show

cons:

my gf would make $45k/year, she would have to live in a high cost area, and we wouldn't be living together
my job wouldn't be very challenging
I'm not growing profesionally
my gf wouldn't be able to find the best post-doc she can, she would be settling for something average

3. I look for a pre-sales engineer or solutions architect job, either here or overseas. I would have to wait until I have resolution on my Swiss visa before I can proceed with this path
pros:

I'm doing exactly what I want to be doing
Ideally, my gf and I would be living together
I make a bit more money than I currently do
This job typically requires at least 50% travel (my gf would be OK with this)

cons:

There simply aren't that many of these jobs around
I have the required technical knowledge and experience for the job, however, I don't have much experience with responding to RFIs/RFPs and have limited experience with giving demos or public speaking
I may not have the right personality for the job. I'm an introvert, and at times can be socially awkward around strangers. I definitely do not have the salesman personality
If the job is in the US, my gf would only be making $45k/year.

4. I can take the $80/hour offer to my current boss and I can ask him to see what he can do with it. I'm pretty much at the maximum pay for my job grade, so I would pretty much need to be promoted in order to get more money (which we've talked about recently, he said it could happen within the next year). I am currently working remotely and very rarely have to travel. I can probably probably get my boss to agree to let me work from Switzerland

pros:

I can probably get another $5-10k more
my job is actually challenging, and I get to do things I enjoy
If my GF gets the Switzerland job, I can stay with her for extended periods of time (I can stay in Switzerland 90 days at a time as a tourist. I can probably fly to neighboring countries, and take a train into Switzerland so my passport doesn't get stamped, so it doesn't look suspicous)
my gf would make $105k

cons:

it would be really shitty of me if my boss goes out of his way to keep me with the company, but a few weeks later I get my Swiss work permit, and I end up quitting
my coworkers are f#cking morons
I would be pretty much living in Switzerland illegally. I don't know what would happen if I got sick or injured. I don't know if my US-based health insurance would cover me.
my boss may not go for it
going back and forth between the US and Switzerland will get old after a while, and would be expensive too
high cost of living, although I think we would make enough to live comfortably

Any thoughts or advice?
Question Deals
Hard Disk for Xbox360 320GB $35.99 AC / FS @ Mini In The Box
Added on : Thursday May 15th 2014 04:00:05 PM
g: 1 Posted By: DizzyT71
Views: 218 Replies: 0 Mini In The Box has theHard Disk for Xbox360 320GB on sale for $39.99 - $4.00 coupon code "FMTC4OFF" = $35.99 with free shipping.

Compare at $46.43 shipped @ Amazon.

Note: You will need to "uncheck" the shipping insurance at checkout, otherwise a $0.99 fee is added.
Xbox 360 Deals

MiniInTheBox Coupons
SQUATTERS! what would you do?
Added on : Thursday May 15th 2014 07:00:09 AM
g: 0 Posted By: solarUS
Views: 23 Replies: 0 I acquired a tax lien on a property in my town (New Olreans) last year. An old double very close to the French Quarter, with good bones, but needing total rehab. Under state law, the earliest I can acquire full title to the house isspring 2015. Meantime, there are now squatters set up in it. The front doors both lock, but the back door has been off the house for some time (before i bought it) and that is their point of entry. They have put some nasty furniture in it, and even cleaned up all the shit that was there from the last set of squatters. There are absolutely no utilities, mind you. These are gutter punks, and crazy ones it looks like, given all the nutty writing all over the walls ("i'm sorry i missed agent orange" for example). My only real concern here is that on a cold night, they start a fire and burn the house down...happens pretty often down here. Not a big concern in the summer, but I would prefer to nip this in the bud. Insurance is obviously improssible. There is a provision with tax liens, that a lienholder can take possession of a property in order to protect it. I did ask a lawyer about this, who said i can do what's necessary, but i paid him $0 so i value the advice at that. The property is worth a bit of money, even in the present state. I'm guessing $60-70k. I have about $4-5k in it. The house burning down is really the only way i lose here.

Options:
1) Approach owner to purchase house. Not likely, given that there is an "et al" on the title, indicating that there is more than one party.
2) Call police for trespass. NOPD are horrendous. Likely to get nothing out of this.
3) Rent dumpster. empty house. board everything up with a preponderance of nails. My preferred option.
4) Report a break-in. Might get the cops out faster.
5) say "screw it" until the weather gets cold, and hope they leave by then.

Anything I am not considering? other options? risks? TIA
Cruise ship injury, consulted a lawyer, what would you do? [PIC]
Added on : Wednesday May 14th 2014 09:00:06 PM
g: 0 Posted By: TrueKnight
Views: 12 Replies: 0 Gonna make this short. My mother is 65. She was on an international cruise in which she slipped and fell due to the deck being icy and wet (weather). As a result, she suffered a fractured spinal disc and had to get Kyphoplasty surgery.

Surgery and medical expenses was approximately $66k. We contacted the cruise-line for reimbursement but the customer care department said they do not cover any medical expenses once the passenger has returned to their own countries (United States). The cruise line recommends that she contact her own insurance. She does not have insurance. Her insurance actually lapsed while she was on travel (partly due to Obama care that her premiums skyrocketed and we wanted to wait until she returns to figure out how to sign up for one of the ACA plans). Sorry to digress. Consulted with an attorney. He said that due to the itinerary of the cruise not stopped at a U.S. port, there is a cap on damages set by the Athens Convention which is about $70k. He also mentioned that in cases like this, the cruise line knows that their max liability would be $70k and settlements will be low since if the case is not settled and they're found liable, the most they would be out would be $70k any ways. Lawyer's retainer fee is 33.3% of reward if it gets settled and 40% of reward if it goes to trial. We're in California. Attorney is in Florida. What would you do?

Some initial thoughts and counter-thoughts:
1. Find an attorney with lower retainer?
>>>Not likely since I think 33.3% is pretty standard.
2. Bombard cruise-line and cruise-line's parent company with emails / calls requesting reimbursement?
>>>Many cruise-lines are of European origin so unless we can make a global impact, I am doubtful we will find resolution.
3. Represent ourselves and sue?
>>>I've done small claims and I don't think this is the same kind of animal. Plus I think it needs to be filed in Florida where the cruise-line has an office/presence.

Question Deals
Credit Bureau: Hard Pull vs Soft Pull
Added on : Monday May 12th 2014 08:00:05 PM
g: 0 Posted By: NEDeals
Views: 92 Replies: 1 I understand that a Hard Pull is viewable by all creditors and affects your credit score, while a Soft Pull is/does not. But what is the difference in terms of information furnished between each type?

Discover Card gets enough information to generate your FICO score with just a soft pull. On the other hand, Schwab won't open even a checking deposit account without a hard pull. What benefit is it to Schwab to do a hard pull--do they see any additional information that they can't receive with a soft pull? I don't mean to single out Schwab, but I've always been curious as to what benefit a credit receives by doing a hard pull. Insurance companies seem to be able to know everything about you (including scores) with just a soft pull....
Credit Deals
Advice for evaluating job offer
Added on : Monday May 12th 2014 04:00:10 PM
g: 0 Posted By: green1234
Views: 154 Replies: 3 Current job: Full-time, $107K per annum, 8.5% bonus Target (though last couple of years it has been way below - in the range of 3-5%), 401-k profit sharing - usually 2.5%, 28 days vacation, usual benefits - medical insurance cost around $500.00 per month. Been with the company for more than 10 years.

Job Offer: Hourly Consulting (W2), $69.00 per hour, no vacation, no 401k match, no bonus, medical insurance cost around $1100 a month. There is a possibility that the new company (client) will hire full-time with benefits and bonus program, after 6-12 months.

Any advice in comparing the jobs? I am looking for pointers as to what else should be I be thinking about.

I appreciate any input.










New User Question Deals
Need help to reschedule my nonrefundable hotel room on Priceline
Added on : Friday May 09th 2014 02:00:06 PM
g: 0 Posted By: ivychang722
Views: 46 Replies: 1 I recently purchased a Hawaii vacation package through Priceline.
My husbandand I originally planned to stay at Hilton Hawaiian Village from June 28th to July 5th.
However, hiscompany just announced that they'll have a big event during that week.
And we definitely need to reschedule our vacation.

I called Priceline customer service for many times, and all of them basically said the same thing "hotel reservation in the vacation package is non-refundable based on their policy."
In my case, I will be charged with the full reservation amount which is more than $2500.

I searched information online, and found some people get away from this by calling the hotel managers.
They asked the hotel managers to approve the cancellation, and then called Priceline to verify that with the hotel.
I tried it. Unfortunately, the answer is "NO" even though I've spoken to different hotel representatives.
During the phone calls, I tried my best to explain about my situation and this online tip, and they still asked me to talk to Priceline.
They said it's Priceline's authority to modify my confirmation, not them.

I am getting so frustrated and exhausted.
Does anyone havesimilar experience or better suggestions for me?

P.S. I purchased the trip protection insurance on PL.
But I am not allowed to file a claim unless I fall under some extreme circumstances such as asevere medical reason orthe death of an immediate family member.
Question Deals
Looking for a whole bunch of advice on saving towards a home
Added on : Thursday May 08th 2014 06:00:06 PM
g: 0 Posted By: SyZpuzzler
Views: 84 Replies: 3 Hello,

Here is my entire backstory since I feel it is at least partially necessary to understand the situation:

29 years 5 months, currently working at Allstate making 39k a year in CA. UCLA degree in stats. Didn't finish until I was 26, long story. Current financial situation is:

Renting for $600 a month
12k student loans to one company, 17k to another. Total 29k, anywhere from 2.1% to 5.8%. $130 min payment for first, $210 for second
8.5k lien to Toyota for my 11 Yaris with 55k miles, should last a good while. 1.9% interest. $190 min payment
3.3k balance on a 4.8k limit with something absurd like 15% interest. $72 minimum payment
Car insurance + phone = $180 a month
Gas = roughly $75 a month
Food = varies

Other than that, I don't have many expenses. I go out with my girlfriend of 11 months, sometimes we eat out, or go into San Francisco (I'm currently in Pleasanton), go shopping, buy jigsaw puzzles, etc

Doing the math on the salary, after taxes and health insurance I pocket around $1200 every 2 weeks = $31.2k net a year

My plan, up through last week, was to pay off that 40k debt ASAP and then save for a house, with the aim of only ever purchasing one house in an area I really wanted. At that point I would be married, still single, whatever

At work we had a financial planner come, and he looked over everything and told me I was wrong.

Being good at math and logical thinking, he explained it to me this way:

Instead of paying off your 40k debt asap, you can make minimum payments and open up a savings account with the sole purpose of putting away money each paycheck for real estate. This money is not a 'savings account', it's just named that. This is not my money. I can't go take out 6k in a year when my car dies and I need it. This is another debt, and we can think of it as 'Jeff's future home purchase'.

This is where a part local to me comes in: Livermore, CA supposedly has a buyer program where you only need 3% down. 300k average condo prices, that's 9k. 200 a paycheck for 2 years is about 10k. I would then purchase a condo, mortgage the rest, and continue to do that while paying my minimum debt payments for a few years while the value hopefully goes up. Being that Livermore is a good, growing town in the Bay Area, the odds of this are strong. I would then sell, take the extra money and use it as a down payment on a bigger property, and continue this until I eventually have an actual 2k square foot, 3-4 bedroom house.

He said 'this is how you get wealthy and provide for your family. You can't not take any risks or else you won't own anything until you're 40'

My questions are this:

Supposedly, you can't get a mortgage for more than 34-40% of your total income after debts. The mortgage on that property would be something like $1800, which means I would need a salary of $60k. I can see a few raises within a few years which would put me between $45 and $50, but not $60.

Also, if this program is cancelled or changes, I can't afford it and interest on my other debts are accruing

I always thought you wanted 20% down to avoid PMI, but he says you don't. You need to get in a property you own immediately and start building equity.

My credit is fairly good, I don't know the actual # but I'm pretty sure I will be at least 730, which I understand is the cutoff for the best loans.

If I were to open a savings account for this reason, where should I go and why?

Is this guy right? I just don't see how I'm supposed to be able to afford an $1800 + mortgage, $500 + in other debts, and other expenses when my current monthly take home is ~ $2,500. And even if I got to a point where that was say $3,000, and my debts + mortage would be $2,300, I COULD live off $700, easily. But a bank wouldn't give me a loan because my debt to income isn't high enough

He's worked at this company for 20 years, he's well-trusted, Allstate is a big company and wouldn't have somebody giving this kind of advice if it weren't true or beneficial

I just don't see how it can work

Thanks

Investing Deals
Need Advice on HELOC or to avoid mortgage insurance
Added on : Thursday May 08th 2014 09:00:08 AM
g: 0 Posted By: JayPC
Views: 40 Replies: 1 I am planning to purchase our first house (been renting for all these years). The value of the house will be around 450K and I am planning to put 10% (45K) down. I requested for a pre-qualification from one of the banks and they told me I need to pay Mortgage Insurance since my downpayment is less than 20%. Are there any ways to avoid paying this Mortgage Insurance?

Some one told me that you can open an Home Equity line of Credit along with your mortgage and use that to pay 10% additional to make it 20 to avoid MI. Is it possible since I don't own that home and have no equity in the house? Need help here...
Personal Finance Deals
Any way to cancel hotel with "no cancellation" policy
Added on : Monday May 05th 2014 04:00:06 AM
g: -4 Posted By: love2work
Views: 658 Replies: 25 Hi,

A while ago I booked a hotel and reservation had "no cancellation" policy. Now my travel plans changed and I cann't travel to this hotel. I also don't have travel insurance and as far as I know my credit card does not offer one (at's a Starwood Amex). As I would hate to loose $800 I wanted to check with the fatwallet community to see if there is a creative way to get the money back. Any advice would be appreciated.
Hotel Deals
Any way to cancel hotel with "no cancellation" policy
Added on : Sunday May 04th 2014 09:00:08 PM
g: 0 Posted By: love2work
Views: 67 Replies: 2 Hi,

A while ago I booked a hotel and reservation had "no cancellation" policy. Now my travel plans changed and I cann't travel to this hotel. I also don't have travel insurance and as far as I know my credit card does not offer one (at's a Starwood Amex). As I would hate to loose $800 I wanted to check with the fatwallet community to see if there is a creative way to get the money back. Any advice would be appreciated.
Discussion Deals
crazy medical billing
Added on : Saturday May 03rd 2014 02:00:10 PM
g: 0 Posted By: BradMajors
Views: 126 Replies: 4 I am seeing a doctor on a regular basis. They have never sent me a bill. Each time I go in, I ask if I owe them any money and they say no.

Here is what my medical insurance billing statement looks like:

Amount billed: huge amount.
Amount allowed: $0
Amount payed: $0
Member responsibility: $0

Discussion Deals
Must notify coverage change in writing?
Added on : Saturday May 03rd 2014 12:00:06 PM
g: 0 Posted By: ToddC
Views: 42 Replies: 0 I received this letter from HealthNet:
If you have obtained replacement coverage or no longer desire to continue your coverage with HealthNet, you must notify us of this coverage change in writing, in a timely manner. Without such written notification of termination of coverage from you, the coverage end date will be extended to cover the 30-day grace period and you will be responsible for premiums for this period.

My question: Is this the norm in health insurance industry?
Question Deals
Paid off Grad School Loans, Now What?
Added on : Saturday May 03rd 2014 12:00:06 PM
g: 0 Posted By: madcowdisease
Views: 150 Replies: 2 Long story short, I was able to say bye-bye to my student debt earlier this month. My monthly payment was a bit short of $500. In the short term that will go into building my emergency fund, but my question is what I can do with the cash going forward.

A few things:
-Only other debt is ~$13 K auto @ 1.49% (thanks for tipping me off to this rate, FWF!) - contemplating paying this off, but the interest rate being so low...
-I max out my 401(K) and Roth contributions annually.
-No HDHP insurance, so no HSA
-No children, so 529 doesn't seem appropriate
-No house, I am planning on leaving current city in < 1 yr
Personal Finance Deals
Dental Discount Cards (as oppose to dental insurance)
Added on : Friday May 02nd 2014 05:00:05 PM
g: 0 Posted By: Gauss44
Views: 178 Replies: 0 Can anyone suggest a good dental discount card? I'm in Boston, but feel free to recommend a good one for any place since there are many people on this forum from all over. Also, feel free to discuss the benefits and drawbacks of these.

I just learned about "dental cards" here (and didn't know about them before):http://moneyfor20s.about.com/od/healthinsurance/f/dental_discoun...
Discussion Deals
g: 0 Posted By: hdlz
Views: 92 Replies: 1 There was hail storm 3 weeks ago in my area, now there are many roof companies in my neighborhood doing free estimate and trying to get us fill insurance claim to have roof replaced. My roof is 12 years old, one company said I have big chance to have roof replaced, another company said my roof is in best shape in my neighborhood and he estimate I have 30-40% chance to have the claim approved which does not sound much as to file an insurance claim. My question is what impact a denied claim has to my future home owner insurance premium. If a claim is denied, will it go away from my history or does It count? One discount I noticed in my current insurance notice is claim free bonus.
Question Deals
new user- car accident
Added on : Thursday May 01st 2014 04:00:13 PM
g: 0 Posted By: troubled
Views: 87 Replies: 0 hi,
i am new here, and read lot of threads already. i got in car accident, and the tow company told that car will be totalled in IL. i was driver3, hit driver2, which hit driver1. cop told i will be at fault. i did not go to hospital, nor did d1. d2 was taken in ambulance and mentioned back/shoulder pain.

regarding insurance, i have personal 100/300, uninnsured/underissuered as 100/300 as well. medical damage as 5k.

am i totally screwed? what should i do to save myself. please help. need your advise, totally freaking out.
New User Question Deals
Car totaled, not at fault - how to make sure I don't get screwed?
Added on : Thursday May 01st 2014 03:00:07 PM
g: 0 Posted By: T800
Views: 174 Replies: 6 My wife was in an accident today and the car will probably be totaled. Just looking for pointers or advice here so we don't get screwed by our insurance company or the other driver. The car is a 2012 Prius with full coverage through Progressive.

She was traveling on the interstate, there was a highway truck with 2 workers working on the left shoulder well out of the lanes of traffic. SUV ahead of her started drifting straight into the truck on the shoulder. Ended up hitting the truck on the right rear corner which rotated the SUV right into the traffic lane, then the Prius hit into the drivers side of the SUV and both driver's upper and lower airbags deployed. After hitting the SUV the wife's car slid across traffic lanes and ended up on the right shoulder. My wife is pregnant and was taken by ambulance to the ER to be checked out. No apparent spinal issues and baby seems fine via ultrasound. She has another appointment with her regular doctor tomorrow. The SUV didn't fare so well hitting the larger stationary truck, I heard both of her legs are broken and she was undergoing surgery and this makes sense as the SUV crushed pretty far into the driver's seat area.

We did not get the other driver's info and do not know if they are insured. The police probably have all of this info and I have a case number for their filing. The police told me she would probably be found at fault as it's clear she drove off the road into the construction truck causing the accident. They also said she has a revoked license and has a history of seizures.

I filed a claim with Progressive and they will have an adjuster contact me tomorrow. What should I do to make sure we are made whole with regards to medical bills and car replacement? Appreciate any input, sorry if this is a basic question but I have never been in this situation before.
Question Deals
TITLE INS-LENDER COVERAGE TITLE INS-OWNERS COVERAGE Question
Added on : Thursday May 01st 2014 07:00:08 AM
g: 0 Posted By: faltutp
Views: 120 Replies: 0 I have done search in Fatwallet. and have read few main threads from beginning to end ( link 1,link 2)I am better educated now after reading those but still more confused.

I am in State of WA. Jumbo Home loansingle family 20+ old home (nor Refi) for 650K with Wells as lender. I am getting quoted the following price for 1103 TITLE INS-OWNERS COVERAGE 1982.201102 CLOSING/ESCROW/SETTLEMENT 850.00
I have requested lender list of endorsements needed for lender insurance but they have asked me to contact Title Company. Can GEO or others help me.

I need to understand how to ask the right questions to bring this cost down and if this is a higher price. Also do i need to waive Owners coverage? I understand the need but most of the discussion i saw was around some foreclosed property. Can you please suggest?
Real Estate Deals
g: 0 Posted By: remick
Views: 105 Replies: 0 http://www.mercuryinsurance.com/padres/

NO PURCHASE NECESSARY TO PARTICIPATE. Eligible quote must be completed by May 31, 2014 at 11:59 p.m. PT. Promotion code PADRES must be entered at time of quote in field marked "promotion code." Offer valid for licensed CA drivers age 21 and older residing in California who are not current Mercury auto customers at time of quote. Eligible participants receive one (1) Ticket Code redeemable for two (2) complimentary Upper Reserve tickets. Subject to blackout dates and availability. While supplies last. No cash value. Limit one (1) Ticket Code per household and/or e-mail address. Additional rules and restrictions apply

Ticket Code valid for 2014 season Padres home games, excluding the following blackout dates: 3/31, 6/21, 6/20, 7/5, 8/29, 8/30, 4/11, 4/12, 4/18, 4/19, 5/24, 6/7, 6/22, 6/28, 7/4, 7/6, 7/19, 8/2, 8/31, 9/19, 9/20, 9/21.
Totally Free Deals
Mortgage servicer fails to pay property taxes
Added on : Thursday May 01st 2014 02:00:07 AM
g: 0 Posted By: okwiater
Views: 80 Replies: 1 My mortgage servicer maintains an escrow account for property taxes and homeowners insurance. I received a copy of my 2012 property tax bill in July of 2013 from the county, and called them on July 27 to ensure they had received and would pay it. They said they would. Fast forward to April of 2014. I received a notice from the county on April 10 informing me that due to an unpaid tax bill they would move to place a tax lien on the property by May 1, and the lien would be auctioned on May 15. I called the lender that same day and informed them of the notice. They requested that I fax the bill to them, which I did that same day. On April 21, I checked with the county and determined that the bill had not yet been paid. So I called the servicer again and they informed me that they were actively engaging with my county's tax office and that the bill would be paid within "a few days." On April 28, I checked with the county again and determined that the bill had still not been paid. So I called the servicer yet again and they promised the issue would be escalated and the bill would absolutely be paid by April 30. Much to my surprise, I received an e-mail from them confirming that the bill had been paid and the funds deducted from escrow. Today, I checked with the county again and the bill is still unpaid. Also, since it is a new month, additional interest as well as a tax lien fee has been added to the account. My guess is the lender put the payment in the regular mail, and now the amount they sent won't be sufficient to cover the outstanding balance.

What should I do here? Obviously I'm not going to let the tax lien be auctioned and will resolve any outstanding balance before the 15th from my own pocket; however, I'm pissed about the lender's negligence having racked up $400 in interest and fees. The ideal scenario would be for the lender to reimburse the interest and fees, as well as to get the escrow removed from my mortgage. Do I have any leverage (under RESPA or any other consumer protection laws) to force the issue? Or are these things generally written in such a way that even their failure to pay the bills from my escrowed funds is somehow not a breach of contract or statute?

Note: I have made every one of my mortgage payments on time since the inception of the mortgage.
Real Estate Deals
S&P: ACA could save large companies $700b
Added on : Thursday May 01st 2014 12:00:07 AM
g: 0 Posted By: tuphat
Views: 15 Replies: 0 From Standard & Poors' Global Market Intelligence. Excerpt below, full report attached.

Overview
By shifting insurance responsibility to the employee, the ACA presents an opportunity for
U.S. companies to radically redefine the role they play in the health care system.

Using its proprietary model, S&P Capital IQ Global Market Intelligence estimates that the
Affordable Care Act could save S&P 500 companies nearly $700 billion through 2025.

These potential savings represent about 4% of the S&P 500's current market capitalization.

For U.S. companies with 50 or more employees, total savings to businesses could amount to
$3.25 trillion through 2025.

According to model estimates, employers are set to benefit the most as the government takes
on a larger funding role.
Discussion Deals
Walmart entering Auto insurance
Added on : Wednesday April 30th 2014 07:00:11 AM
g: 0 Posted By: anusha123
Views: 129 Replies: 2 WalMart entering auto insurance

The service is available immediately in eight states Arkansas, Louisiana, Mississippi, Missouri, Oklahoma, Pennsylvania, Tennessee and Texas.
It will be available nationwide in the next few months.

http://www.walmart.com/cp/Auto-Insurance/1224847

Article link :Link
General Economics Deals
Family financial planning? Wills? Trusts?
Added on : Tuesday April 29th 2014 04:00:04 AM
g: 0 Posted By: letsspendlotsofmoney
Views: 60 Replies: 1 Not sure where to start but here are a few basics:

46 years old
Widowed father of four children ages 12, 20, 21 and 24

Assets:
401k worth about $400k
$100k equity in home I owe about $56k with 28 years remaining and paying and additional $350 each month towards principal
$80k salary
$75k whole life policy from 20 years ago
$500k life insurance through work (thinking I need my own term 15-20years)

What type of estate planning should I do? I don't currently have a will.
Should I create a trust to care for my youngest daughter?
Who should be the beneficiaries of my insurance and 401k if something should happen? children directly? Trust?
How many years of term life should I be thinking? 15 should get my youngest through college
What amounts of insurance? 5-1 X salary? more or less?
If for some reason I were to remarry in the future, how would I protect my children financially? just in case she's a gold digger, and I don't have a lot of gold... Would a trust for the children be the best place? Prenup?

Whay type of lawyer should I use?
Approximate cost to set these types of thing up?

After my wife passed 10 year ago I knew I should have thought about this type of stuff...

I am open to suggestions and no current woman to give you photos of... I don't own a crown vic, M////,
Personal Finance Deals
Free Transunion credit score
Added on : Monday April 28th 2014 02:00:05 PM
g: 0 Posted By: BenH
Views: 135 Replies: 0 So, I was following up on the Metromile Insurance from this thread:
http://www.fullofdeals.com/forums/deal-discussion/1354490

You can read about my experience with that there...but, since these guys use your TU score to give you an insurance rating, they actually tell you what your score is.
You have to fill out the info for a car insurance quote, but once you submit that they come back with your final rate and a button that says "Top Factors Affecting Your Insurance Score."
If you click on that it will tell you what TU says your credit score it.
Deal Deals
Auto Loan Trouble
Added on : Monday April 28th 2014 07:00:12 AM
g: 0 Posted By: whyhello
Views: 163 Replies: 3 Started July-2013 - July 2018
13k Car
Interest Rate 15%
12k Balance Amount
$350/monthly payment - 60/months
Car Insurance - $220

^^^^These are rough estimates -


She is expecting a baby in November and plans to work after a couple of months after the baby is born. Providing childcare and this car payment/insurance, she will not have enough money. She has an uncle who is giving her an old civic which she can use for transportation, but wants to get out of this auto loan. Any suggestions?

Personal Finance Deals
g: 0 Posted By: ozer5190
Views: 74 Replies: 2 I inherited a murano style glass statue that was packed and shipped by UPS. It was insured for $2,000. I would like to try to have the statue fixed, it was commissioned by my parents and has their name on it.
UPS said that I would have to give them the statue if I was to collect on the insurance. Can I sue them for poor packaging in small claims court?

New User Question Deals
g: 0 Posted By: linrick
Views: 226 Replies: 1 everyone is selling this same set for $99+.

i found this at mansfield texas location for $65.80 (YMMV on locations & availability.) i used code 47000RRRRR0659R (thanks to post from herefor $10 off $50.)

2-3/8-in White Door Jamb Armor Set

the only patented solution that protects the jamb, door and hinges to protect your home and help eliminate kick-in damage
Inexpensive, attractive and effective alternative to "security doors" and screens- pieces are barely visible once installed and can be painted to match your door color
Does not require removal, replacement or alteration of the door or jamb- no routing, chiseling or cutting is necessary
Can be installed in under an hour by the average do-it-yourselfer
Warranty: 200 towards homeowners insurance deductible if product fails

very impressive video here

linkymoo
Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: MISTERCHEAP
Views: 187 Replies: 0 20% offregular price itemsat Walgreens stores
one day only, 05/06/14
must be 55 years of age or an aarp member. proof of age may be required. discounts not valid on prescriptions, cigarettes, dairy products, liquor, liquor department items, phone cards, newspapers, magazines, stamps, gift cards, items or services submitted to insurance for reimbursement or where otherwise limited by law. also not valid toward prescription savings club membership fee.


Looks like they are changing the "rules" of this. It used to be 15-20% off on all stuff, sale or regular prices. BOO Walgreens!!

SEE ON PAGE 1 of ad here:

http://images.iheartwags.com/ad_scans/2014/0504/walgreens-050414...
Grocery Deals

Walgreens Coupons
Advice on Landlord Insurance - Renting out ONLY primary residence.
Added on : Friday April 25th 2014 01:00:12 PM
g: 0 Posted By: hedwigdaowl
Views: 86 Replies: 1 I own a home currently and am looking to rent it out in the next few weeks. I will be traveling back to my country for 4-6 months and so wont be renting another place or have a primary residence. I have home owners insurance throuh AllState and Car insurance through Geico.

My car will be transferred (lease) to another person next week and so I will remove it from Geico next week. I asked All State to convert my home owner's insurance to a "landlord" insurance and they said they cant do it until I have auto insurance with them. And Geico wont write a landlord insurance unless I have another primary residence in the US. Same answers from Liberty Insurance.

My question:
Can I get a landlord insurance (protect against any personal liability after tenant moves in and any damages like fire and water to the home) when I dont have a primary residence here? I will have the tenants get renters insurance - but I dont think that protects the home right (like water damage due to a leak or any liability)?
And can I get Umbrella insurance in such a situation - no auto, just a home thats rented out?
Feels like I would become an investor who lives outside the US? What do they do to protect the rental properties?

Thanks!
Question Deals
Auto liability insurance for occasional driver
Added on : Friday April 25th 2014 08:00:11 AM
g: 0 Posted By: mike212
Views: 135 Replies: 1 I don't own a car so I don't have auto insurance so when I rent a car I always take the supplemental liability insurance, since I would otherwise be fully exposed in a lawsuit. That takes care of car rentals, but how about when I borrow someone else's car. Does the car owner's insurance provide me any liability protection if I am driving the car?
Discussion Deals
Individual health insurance market is closed
Added on : Thursday April 24th 2014 10:00:10 AM
g: 1 Posted By: yzj
Views: 145 Replies: 0 Just a heads up: As a consequence of the Affordable Care Act, you can no longer just buy an individual health insurance plan . It doesn't matter how healthy you are, or how much money you can pay. The market for individual health insurance has effectively been shut down until the next open enrollment period in November (barring a qualifying life event). The reason is simple: health insurance companies can no longer reject applicants with pre-existing conditions under the ACA, so they would have to be suicidal to accept new applicants before the next open enrollment period, since the majority of them would be people with medical conditions needing immediate care. Many young healthy individuals may have made a financial decision to skip buying health insurance, but if they change their mind they had better get married or move to another state, qualifying events that would allow them to purchase insurance before November. Otherwise they are now locked out of the marketplace and might want to look at short term insurance or medical discount plans as alternatives.

http://www.foxnews.com/politics/2014/04/09/latest-obamacare-surp...


General Economics Deals
Temporary health insurance vs Obamacare?
Added on : Wednesday April 23rd 2014 04:00:09 PM
g: 0 Posted By: mikeg1
Views: 91 Replies: 1 I'm a healthy 29 y/o single male with no tobacco usage. I'm looking at switching jobs on June 1 or July 1.

Temporary health insurance plans from BCBS (Texas) cost significantly less than comparable Obamacare plans. Is there any downside to opting for a "7-12 month" temporary health insurance plan from BCBS ($2 million maximum payout) that happens to end on a date coinciding with the next Obamacare open enrollment period? The Obamacare open enrollment period for 2015 coverage is November 15, 2014 February 15, 2015.

If I stay healthy, I believe I can sign-up for another temporary 7-12 month health insurance plan.

If I were to get sick, I believe I switch to Obamacare on the next open enrollment period (with a higher rate premium, due to it being Obamacare, but guaranteed long-term coverage).

Do I need to worry about the risk of Obamacare no longer being offered as scheduled due to legislative changes?

Car Insurance - Huge Drop?
Added on : Wednesday April 23rd 2014 09:00:09 AM
g: 0 Posted By: smc733
Views: 89 Replies: 0 Hi All,

First time poster, long time lurker here. Looking forward to joining some awesome discussions around here.

I have a rather interesting story, I'm wondering if anything can shed light onto this unexpected but appreciated sudden drop in my car insurance rates. I'm with one of the larger companies.

Backstory
I just turned 23
Moved to a different apartment in the same complex, safe, upper-middle class town in MA, ~20min from Boston
Drive a 2011 compact, owned outright. Foreign with good accident ratings.
Been with company for roughly 2 years, same with employer, making in the high 50s. No credit inquiries in these last two years

When moving, my company re-processed my insurance rates.

My premium was a little above $2k a year before moving, but in changing the address, the new premium is $1,200 annually, NOT for the rest of the year (Yes, a $800 drop). About the only things I can think that could have influenced this drop are:
-6 years with license
-6 year old accident aged off (MA law), yes, I got in an accident right after getting my license. There are no other violations on my driving record.

Could the accident coming off REALLY have that much of an influence? Surely it wasn't moving in the same zip code. Should I expect a "we screwed up" letter soon? This figure does seem in line with what many my age are paying, though, I was always paying more than most of my peers.
Personal Finance Deals
Geico Car Insurance 8% Discount for Owning Berkshire Hathaway Stocks
Added on : Tuesday April 22nd 2014 06:00:06 PM
g: 2 Posted By: MrsGuin
Views: 355 Replies: 2 1. Buy One or more shares of BRK.B into your brokerage account if you don't own any. This is the stock you need to buy to get discount
https://www.google.com/finance?q=NYSE%3ABRK.B
2. Call Geico customer care 1-800-861-8380 and inform them that you are a share holder of Berkshire Hataway and you want to add affiliation discount program to your account.
Other Possible Discounts:
https://www.geico.com/about/sponsoredmarketing/partners/
Services Deals
Target offering Credit Monitoring Free for 1 year
Added on : Monday April 21st 2014 08:00:06 PM
g: 0 Posted By: dontemailmepeep
Views: 302 Replies: 0 Get validation code by 4/23/14 and activate by 4/30/14
See below for info!

Last week, Target announced that we would offer one year of free credit monitoring and identity theft protection to all Target guests who shopped U.S. stores, to provide an added safeguard following the recent data breach.

After a thorough review of options, Target has chosen ProtectMyID, provided by Experiana leading global information services company that helps individuals understand and keep track of their credit reports, as well as monitor for and resolve identity theft. Request an activation code before April 23, 2014 and then register for the offer through ProtectMyID before April 30, 2014.

In addition to a complimentary copy of their credit report, guests who sign up will receive daily credit monitoring, identity theft insurance (except where prohibited by law), and have access to personalized assistance from a highly trained Fraud Resolution Agent. Access to the Fraud Resolution Agent will continue even after other benefits of the initial one-year ProtectMyID membership expire. After 12 months, those who register have the option to continue their memberships at their own expense.

This ProtectMyID package includes the necessary tools guests need for credit monitoring and identity theft protection. It does not include Experian credit score or reports from Equifax and TransUnion. When visiting the enrollment site, guests will have the option to purchase these additional products at their own expense if they choose, but are not required to purchase a credit score to receive the benefits of credit monitoring and identity theft protection.



How to Enroll

Enrolling online is fast, secure, easy and accessible at any time. Here's how to register:

Visit creditmonitoring.Target.com to request an activation code. Guests will be required to submit their name and an email address. After submitting their information, Target will email guests within 72 hours with their unique activation code and directions for how to enroll in ProtectMyID. Guests should look for this email and check that it does not end up in a junk mailbox. Emails collected during this process will only be used for the purpose of sending an activation code for free credit monitoring.
Totally Free Deals
Target offering Credit Monitoring Free for 1 year
Added on : Monday April 21st 2014 07:00:05 PM
g: 0 Posted By: dontemailmepeep
Views: 179 Replies: 0 Get validation code by 4/23/14 and activate by 4/30/14
See below for info!

Last week, Target announced that we would offer one year of free credit monitoring and identity theft protection to all Target guests who shopped U.S. stores, to provide an added safeguard following the recent data breach.

After a thorough review of options, Target has chosen ProtectMyID, provided by Experiana leading global information services company that helps individuals understand and keep track of their credit reports, as well as monitor for and resolve identity theft. Request an activation code before April 23, 2014 and then register for the offer through ProtectMyID before April 30, 2014.

In addition to a complimentary copy of their credit report, guests who sign up will receive daily credit monitoring, identity theft insurance (except where prohibited by law), and have access to personalized assistance from a highly trained Fraud Resolution Agent. Access to the Fraud Resolution Agent will continue even after other benefits of the initial one-year ProtectMyID membership expire. After 12 months, those who register have the option to continue their memberships at their own expense.

This ProtectMyID package includes the necessary tools guests need for credit monitoring and identity theft protection. It does not include Experian credit score or reports from Equifax and TransUnion. When visiting the enrollment site, guests will have the option to purchase these additional products at their own expense if they choose, but are not required to purchase a credit score to receive the benefits of credit monitoring and identity theft protection.



How to Enroll

Enrolling online is fast, secure, easy and accessible at any time. Here's how to register:

Visit creditmonitoring.Target.com to request an activation code. Guests will be required to submit their name and an email address. After submitting their information, Target will email guests within 72 hours with their unique activation code and directions for how to enroll in ProtectMyID. Guests should look for this email and check that it does not end up in a junk mailbox. Emails collected during this process will only be used for the purpose of sending an activation code for free credit monitoring.
Totally Free Deals
car accident advice
Added on : Monday April 21st 2014 01:00:17 PM
g: 0 Posted By: BE
Views: 65 Replies: 1 My car hit another car during a raining night, and I was at fault. I am now being sued for bodily injuries and ongoing pain and my insurance company has assigned an attorney to the case. The twist is the other party claimed I was reckless, for which the insurance is not covering damages. The insurance company told me they are hoping to "strike" the reckless claim, since I was not drunk or under influence, had a completely clean driving record prior to the accident.
So in this case, do I need to speak with an another attorney, or wait to see if the insurance is successful in striking the reckless claim? Thank you for your advice!
Question Deals
g: 0 Posted By: beaksunghyun
Views: 144 Replies: 1 It has been almost a month since the incident happened and I've been on the phone with both my insurance and USAA but it seems I can't do anything about it because CA gives the insurance company 30days to get a statement from their client. USAA said they had called several times and left several msgs but have not gotten a reply from their client. I am thinking about suing the person in a small claims court will this be better? this whole ordeal has been like hell and I just want it to end already.
General Economics Deals
Rental Losing $105 a Month Should I Sell?
Added on : Friday April 18th 2014 07:00:12 AM
g: 0 Posted By: anandtechuser
Views: 1071 Replies: 29 Renting a Condo in Irvine for $2045 a month Rental's Total Monthly cost is $2150, bought for 425k now worth about 525k

Monthly Expenses
$200 HOA
$368 Property Tax
$32 Insurance HO-6
$1520 Mortgage
$30 Gardener
---------------------------
Total $2150 vs $2045 Rental Income

*This does not include any repairs, prob cost of repairs is $100 a year.

Should I sell or keep?


Real Estate Deals
Rental Losing $90 a Month Should I Sell?
Added on : Thursday April 17th 2014 09:00:07 PM
g: 0 Posted By: anandtechuser
Views: 56 Replies: 1 Renting a Condo in Irvine for $2030 a month Rental's Total Monthly cost is $2120, bought for 425k now worth about 525k

Monthly Expenses
$200 HOA
$368 Property Tax
$32 Insurance HO-6
$1520 Mortgage
---------------------------
Total $2120 vs $2030 Rental Income

*This does not include any repairs, prob cost of repairs is $100 a year.

Should I sell or keep?


Real Estate Deals
Part-Time 1099 Work while on Unemployment Insurance Benefits
Added on : Thursday April 17th 2014 06:00:05 PM
g: 0 Posted By: trekwars2000
Views: 99 Replies: 5 So my wife has been out of work for 6 weeks and is now receiving UIB payments. She is constantly looking for work and a very good prospect is coming up in which she would start work in around 6-8 weeks. Until then, she has been socializing with a company about doing some part time work up to a big event that is 8-10 weeks from now. It would be 1099, independent contract (IC) work. They are more or less offering to pay a flat rate but do state: "Again, we're estimating 200 part time hours for the project with a budget of $x,000. Please keep track of your hours. You will be compensated for significant hours (10%) above the estimated 200."

I have some questions for other ICs out there. First, I see the IRS is very strict on who is and is paid as an IC. I have a list of questions for her to ask tomorrow that include if her expenses are reimbursed for driving for work. If this answer is yes and they insist that she keep track of her hours is she really an IC?

Also, the amount they are offering to pay is right about what she was getting paid hourly before at her old work, but without any benefits. If she was paid like $10/hour before with medical, 403b, vacation, etc what would the IC rate be? 12/hr, 15/hr, 20/hr, 30/hr? Additionally, if this is a IC situation I see we will owe 15.3% + our federal tax rate. I also see we can deduct expenses like home office use, computer equipment depreciation, auto expenses, etc. Can we still deduct this if this is a very short work assignment? I don't know much about these deductions but are any of them going to be decent? My wife is being told she will be doing almost all the work from home.

Finally, I know this really probably depends on the state (NV here), but is there anyway to leverage this? I am pretty sure here if you work in a week and are not paid you still need to estimate what you will be paid and that will be deducted from your UIB weekly payment. So I would think if this is part time we do something like work 0 hours, then 40-60 hours, 0 hours, 40-60, but I'm not too sure about it. Does anyone have any experience with this type or work schedule being on UIB in NV or any other state?
Personal Finance Deals
USAA insurance policy
Added on : Thursday April 17th 2014 06:00:08 AM
g: 0 Posted By: HawkeyeNFO
Views: 99 Replies: 1 Been with them for many many years, and have never received a call to "review your policy" until yesterday. Have they changed how they do business? I haven't bought a new car or house in the past few months, so this seems to me like some kind of scam or attempt at fraud. Anyone seen something similar?
Question Deals
Eye exam - Insurance says covered but billed for $311
Added on : Wednesday April 16th 2014 01:00:06 PM
g: 0 Posted By: netkicker2000
Views: 200 Replies: 3 Wife decided to get her eyes checked out. She doesn't use glasses or lenses she just wanted to have a routine eye exam to see if her eyes are still doing ok. She calls the insurance first to make sure it is covered. Insurance says it is. She makes an appointment with an eye doctor affiliated with one of the big hospitals. When she goes to the appointment before the procedure she also checks with the receptionist to make sure the eye exam is covered. She was told yes. Doctor says her eyes are ok there are no problems and no need for glasses or lenses. About a month later we received a bill in the amount of $311 after insurance. She calls the insurance finds out doctor did more than a routine eye exam for some reason and that's why it was $311. Calls the hospital explains situation. Hospital looks into it and sends a letter explaining it was not incorrectly coded so we need to pay. Is there anything we can do at this point? Does anyone have any recomendations/experience on how to fight this?
Question Deals
Filing an insurance repair for windshield damage
Added on : Tuesday April 15th 2014 05:00:14 AM
g: 0 Posted By: spydermonkey
Views: 85 Replies: 2 A rock hit my windshield and made a nice little star crack. Its small enough to repair and its not in my line of sight. Safelite says they can fix it for free, that insurance would cover it. If I don't get it repaired, the crack will likely get bigger, which would cost more to replace the entire windshield. Since this is a non-collision claim, this shouldn't cause my insurance to go up, correct? Anyone have experience with this?

Question Deals
Dentist bill reasonable?
Added on : Monday April 14th 2014 06:00:07 PM
g: 0 Posted By: Table83
Views: 0 Replies: 0 Attached an image of potential dentist bill. Brush & Floss every day yet I still have 4 cavities. One of the cavities is in a tooth that the cavity is underneath old work that was done years ago by another dentist in an area that I don't live in any more. New dentist is saying that it needs to be crowned. I'd be OK if a crown didn't cost $452 after insurance. To remove my last remaining wisdom tooth is only $39.80. To spend $874 is just too much for me. I'm considering not getting the guard. And am considering shopping around for the crown price, but don't know if you can do that on dentist stuff because they have the x rays and stuff. This is very expensive for me as I don't have a lot of disposable income.

Questions:
1) Are these charges reasonable?
2) Is it possible to shop around for stuff like this?
3)Would you just pay and be done with it?
4) Does it cost extra if I just want to be put under when they do all these? I hate the smell of teeth, and the novocain doesn't work to well on me.
5) Any other advice?
Swanson health products swansonvitamins.com $10 Off
Added on : Monday April 14th 2014 01:00:01 PM
g: 0 Posted By: Rubl
Views: 0 Replies: 0 $10 OFF for purchases $50+ (free shipping over $50)

CODE: KEEPCASH

*To redeem this offer, please click through this email or use case-sensitive promo code KEEPCASH during checkout. 10 Dollars Off offer ends 11:59 pm Central Time, Friday, April 18th 2014. May be redeemed only once per customer during this promotion's timeframe. Order total must meet or exceed the qualifying threshold before shipping and sales taxes have been applied. Minimum purchase does not include donations, gift certificates or delivery insurance. Free standard shipping requires a minimum purchase of $50 after any discounts or sales taxes have been applied. Minimum purchase does not include donations, gift certificates or delivery insurance. Domestic orders only. Orders over $50 shipped outside the 48 contiguous United States will be subject to additional freight charges (less $4.99 standard shipping charge). Orders under $50 and expedited shipping are subject to the regular shipping rates. Limit one promo code per order. Not valid with previous orders or at Swanson retail store. Product prices and availability are subject to change.
Should I buy this car
Added on : Sunday April 13th 2014 06:00:03 PM
g: 0 Posted By: sultansana
Views: 63 Replies: 1 =12pxHi there fellow FWs. This is my first time buying a car on my own (I moved to the US a few years back but now need a car for work purposes). I am looking to buy a used car and a co-worker is off-loading his Honda Accord Coupe V6 1998 model. Shitty exterior with paint scraped off at many places and dents on the right back bumper, but nice interior with cruise control, power windows and seats, sunroof and stereo. He had the axel and brakes changed 2 months ago and it was certified for this year last month. He says he has been on top of oil change and maintenance. I took it for a test drive and didn't hear any weird noises/knocking, it handled well and the I did not identify any gross engine problems. It has 150K miles on it. I am basically in need of a car which for 2 months I will be driving 75 miles/week (Cambridge to Burlington, MA) and after that less than 25miles/week. He is asking for 2K. I am looking for a car just to get me from point A to B and likely only need it for a year. I have never taken care of a car before in terms ofmaintenance etc and it is my first car in the US so I am trying to keep insurance costs low. Should I pull the trigger or scrape together a few K more and buy something a little newer? I am just worried about it breaking down on the interstate leaving me stranded.
Thank you for your opinions in advance,
Question Deals
How to handle obamacare as an employer?
Added on : Sunday April 13th 2014 11:00:10 AM
g: 0 Posted By: fleetwoodmac
Views: 91 Replies: 0 This is a question for a friend
He is a self employed person and he has one employee working for him, with wife and 2 kids working for him including himself he is 5 person company.

None of these 5 people had health insurance before.
He knows he is late because the due date was 3/31/2014 but he wants health insurance now for himself, wife and 2 kids.
He is also wondering if this is advantageous to give health insurance to 1 non family employee and then deduct this expense from income and charge this 1 employee accordingly.

So how is he supposed to handle this? I showed him texas health insurance exchange website but there is nothing for an employer there.

Please help!!


Question Deals
g: 0 Posted By: ecstatica
Views: 1454 Replies: 3 Hey all,
I was looking to open an $5500 IRA to reduce my tax liability this year and I stumbled upon these new Capital one 360 sign up offers:
$50 for opening a checking
$25 for opening a savings
$25 for opening a kid's savings
$25 for opening a kid's checking with debit card
$50 for opening an IRA
Nice heads up for some free money.

Details:. Member FDIC
Products and services offered by Capital One 360, a division of Capital One, N.A., Member FDICFederal Deposit Insurance Corporation.
2014 Capital One. All rights reserved.360 Checking account: Bonuses are only paid for accounts that are opened and a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) are made within 45 days of account opening. The $50 bonus is available only for new accounts with a new Customer as primary owner. Your $50 bonus will automatically be deposited into your account on day 50. Variable Annual Percentage Yields (APY) effective 4/11/2014. 0.20% for balances up to 49,999.99; 0.75% for balances between $50,000.00 and $99,999.99; 0.80% for balances of $100,000.00 or more. https://r.capitalone360.com/bkqyH7yqnG
360Savings account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250. Initial deposit does not include bonus. The $25 bonus is available only for new accounts with a new Customer as primary owner. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days. Variable 0.75% APY effective 4/11/14. https://r.capitalone360.com/bkqyH7yqnG
KidsSavings Account: The $25 bonus is available for new accounts adding at least one new Customer to the bank. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days. Variable 0.75% APY effective 4/11/2014.https://r.capitalone360.com/bkqyH7yqnG
Money: Bonuses are available for new accounts adding at least one new Customer to the bank. To be eligible for the bonus, open MONEY and make 1 Card purchase within 30 days of account opening. Your $25 bonus will automatically be deposited into your account on day 35. Variable 0.25% APY effective 4/11/2014.https://r.capitalone360.com/bkqyH7yqnG
Privacy Notice: At Capital One 360, we're sensitive to your privacy.

i changed the links to be more direct. Sorry. I suppose I was boasting a bit lol. Sorry about that too. This is not spam though. I signed up for the checking and the IRA bonuses and got a free $100.
Deposits Deals
Should I care about TransUnion? Too few accounts?
Added on : Friday April 11th 2014 06:00:07 PM
g: 0 Posted By: doublePie
Views: 91 Replies: 0 Last year, my husband and I refinanced our home from a 30 fixed 6.25% FHA to 15 fixed 3.25% conventional. The monthly payment only increased about $50 and $23 of that is PMI will drop off in August (I've confirmed). At that time, both of us had a credit score with each of the big three within 20 points either way of 800.

A year later, my husband applied for a Sallie Mae Mastercard and the score they used to issue it was 732 from TransUnion.

Reasons:

Number of accounts with delinquency
Proportion of loan balances to loan amounts too high
Too few accounts currently paid as agreed
Proportion of balances to credit limits too high on revolving accts

Gross income was $71,000 last year, which has been steadily rising for the past 7 years. Net take home is $4050 (after 401K, health insurance, HSA, United Way).
The mortgage was $103,000 on a $123,000 property.
Card 1: CreditFirst (Firestone): We have it for the discounts and promotions. Paid off every month with the exception of one month in 2011 when we forgot about it and it went 30 days over. D'OH.
Card 2: Brand new Sallie Mae card with a $12,500 limit.
Card 3: Very vanilla VISA through our credit union. $13,500. Paid off every month, no exceptions. Averages about $1500/month. It is used for pretty much everything -- gas, groceries, cellphone bill, internet, home improvement stuff, restaurants. According to TransUnion, it had a high water mark of just over $7000 at one point in 2011, but even then I believe it was paid off the same month from savings.
New car loan of $16,300. The first payment is due at the end of this month. $4000 down payment. 2.6% for 60 months (2013 model didn't qualify for promotional rates)
Mortgage is $872 total with principle, escrow, and interest. If you haven't gathered from the fact that it's a $123K house... we have no HOA fees.

(EDIT: I should add that my own credit union VISA runs about $800 per month, just to give a fairer idea of the total household picture. That's the only thing i have in just my name).

I have no significant income and that will not change for several years. I'm just home with the babies right now.

Our proportion of loan balances to loan amounts will fall off as soon as our brand new loans have shrunk with time and payment and the one delinquent payment we've ever made just is what it is. So is the answer to actually open up another credit card or two, pay on the loans as scheduled, and work to get the number back up OR is it to just not worry about TransUnion since we're not using credit for anything in the near future anyway and 732 isn't really bad?

Meanwhile, my score from Equifax was 832 (husband's was 794) and I haven't had any income not reported on a 1099-MISC in about three years.

And since I've typed all of this out anyway, any general advice on handing our current cash flow and debt? We have an emergency fund but haven't set up college savings for the kids yet, in part because once I go back to work, we will have an entire extra income of about $35,000 net to put towards education and retirement.


Investing Deals
Free Dave Ramsey Complete Guide To Money eBook
Added on : Friday April 11th 2014 05:00:09 PM
g: 0 Posted By: MrsGuin
Views: 165 Replies: 0 http://books.noisetrade.com/ramsey/complete-guide-to-money
How to budget, save, dump debt, and invest. Youll also learn all about insurance, mortgage options, marketing, bargain hunting and the most important element of allgiving
Books & Magazines Deals
Capital one 360 free $175 for opening accounts
Added on : Friday April 11th 2014 01:00:12 PM
g: 0 Posted By: ecstatica
Views: 308 Replies: 0 Hey all,
I was looking to open an $5500 IRA to reduce my tax liability this year and I stumbled upon these new Capital one 360 sign up offers:
$50 for opening a checking
$25 for opening a savings
$25 for opening a kid's savings
$25 for opening a kid's checking with debit card
$50 for opening an IRA
Nice heads up for some free money.

Details:. Member FDIC
Products and services offered by Capital One 360, a division of Capital One, N.A., Member FDICFederal Deposit Insurance Corporation.
2014 Capital One. All rights reserved.360 Checking account: Bonuses are only paid for accounts that are opened and a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) are made within 45 days of account opening. The $50 bonus is available only for new accounts with a new Customer as primary owner. Your $50 bonus will automatically be deposited into your account on day 50. Variable Annual Percentage Yields (APY) effective 4/11/2014. 0.20% for balances up to 49,999.99; 0.75% for balances between $50,000.00 and $99,999.99; 0.80% for balances of $100,000.00 or more. https://r.capitalone360.com/bkqyH7yqnG360 Savings account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250. Initial deposit does not include bonus. The $25 bonus is available only for new accounts with a new Customer as primary owner. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days. Variable 0.75% APY effective 4/11/2014. https://r.capitalone360.com/bkqyH7yqnGKids Savings Account: The $25 bonus is available for new accounts adding at least one new Customer to the bank. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days. Variable 0.75% APY effective 4/11/2014. https://r.capitalone360.com/bkqyH7yqnGMONEY: Bonuses are available for new accounts adding at least one new Customer to the bank. To be eligible for the bonus, open MONEY and make 1 Card purchase within 30 days of account opening. Your $25 bonus will automatically be deposited into your account on day 35. Variable 0.25% APY effective 4/11/2014. https://r.capitalone360.com/bkqyH7yqnGImportant Privacy Notice: At Capital One 360, we're sensitive to your privacy. Keep in mind that by opening an account from this page, your friend who posted the link or sent the email, may be aware that you opened your account when he/she receives their bonus. If you're not comfortable with this, please visit capitalone360.com to open your account. By doing so, you will NOT get an account opening bonus and your friend will not earn a referral bonus, but you'll be on your way to saving more.
Deposits Deals
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

The general idea would be to use a different entity for clients in different states. For example, suppose I make $20k from California and $180k combined from various other states. I could do consulting in California as a Sole Prop and do the business in other states through an S-Corp. That would let me specify that my $17.5k Individual 401k Employee contribution could come from the California income, reducing the state tax burden.

The alternative would be doing all consulting under a single entity (whether it be sole prop or S-corp or whatever), and the $17.5k 401k contribution gets equally deducted (allocated) from all income. It doesn't make sense to deduct the contribution from income derived from states with zero or low state income tax if I can specify that it came from California income. The only way I can think to do that would be separate entities.

I'm also looking at the possibility of S-Corp with me being a W2 for some of my income because California, and perhaps other states, appear to count W2 income earned differently. For example, as a non-resident of California, if I earn $20k in Cali and $180k externally, if I can segregate the $20k of Cali income, perhaps through a sole prop from the $180k which perhaps goes through an S-Corp that pays me as a W2, then I can more easily show my W2 income was derived entirely from non-California sources and if I can count my 401k contribution to the sole prop income, I can really get my Cali income low. I'm using Cali as an example of my idea and hoping it could be used in other ways.

Another idea is to S-Corp and make me a W2 for partial parts of the year (I have flexibility in my consulting gigs so I can structure each one however I want). Being a W2 might afford me some possible tax benefits such as contributing $3250 to my HSA, from the S-Corp itself, to avoid SE Taxes, as opposed to contributing to my HSA as a sole prop where there's no SE tax deduction. I wouldn't necessarily want to be a W2 through my own S-Corp for the whole year due to overhead costs of payroll, but I could potentially do it for one month, contribute the full annual HSA amount, and then be sole prop for the other 11 months.

I've also heard if I'm an S-Corp I can pay for non-reimbursable medical expenses on a pre-(SE)-tax basis. With high deductible insurance, little is covered, so maybe I could drive my annual $1k or $2k of out-of-pocket expenses to come from my S-corp and save more taxes. Not sure how this works exactly, I only read someone allude to it in another thread.

Finally, as an S-Corp, I should be able to save on SE-Taxes because right now I earn $200k as a sole prop but there's consulting firms who do the same work as me who offered me $120k as a W2 (plus benefits). I think I could take that offer letter for $120k and make a justification to the IRS that if my S-Corp earns $200k, I only have to pass $120k down to myself, pay SE Taxes on $120k, and pass through the other $80k as dividends. However, since the "FICA cap" is around $120k, maybe that won't really do anything to save taxes.

My biggest concern with this is the possible need to register as a foreign corporation in each state I do business as an S-Corp. As a sole prop, I'm free to go wherever and do consulting work. As an S-Corp, I probably have to drop up to a few hundred dollars to register my S-Corp as a foreign entity in each state I work.

Not sure if there's any benefit to having one or more of the S-Corps used this way to be taxed as a C-corp, perhaps to keep AGI down for things like Student Loan income-based repayment or to push AGI down below a threshold for a phase out. Obviously you will be double taxed on the money, but you can defer that second tax until much later, keeping your AGI down right now, which might be useful.

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
g: 0 Posted By: RKBA
Views: 1 Replies: 0 I've been waiting on a deal for this printer (or its bigger sibling w/fax) at the egg, but Costco.com got there first. They have an instant $70 off the Brother DCP-7065DNuntil 5/4/2014, making it $97.99 plus tax. Free shipping. And if you buy the high-yield toner for iton the same order, you get $20 off. Of course the toner is about $7 more expensive than @ the egg, but you still come out ahead. And you get Costco's great return policy if something goes wrong, as opposed to paying return shipping buying it at the egg.$97.99 After $70 OFFBrother DCP-7065DN Compact Laser Multi-Function Copier with Duplex Printing and Networking

Automatic Document Feeder: Yes
Brand: Brother
Dimensions (L x W x H): 15.7 in. x 15.9 in. x 12.4 in.
Duplex Printing: Yes
Model: DCP-7065DN
Networkable: Yes
Output Tray Capacity: 100 Sheet
Paper Size: Legal
Print From Mobile: Yes
Print Speed (Black): 27 Page per Minute
Printer Functions: Print, Copy, Scan
Printer Output Color: Black & White
Weight: 25.1 lb.
Offers an adjustable, 250-sheet capacity paper tray that handles letter or legal-size paper, as well as a manual feed slot for printing a variety of media sizes, letterhead and envelopes.
Print high-quality output at up to 2400 x 600 dpi for professional reports, spreadsheets, correspondence, or other important business documents.
Save paper and help reduce costs by using the automatic duplex (two-sided) printing feature. You can also produce two-sided copies from one-sided originals.
Includes valuable copier features including: Standalone copying, ID copy (copy two-sided documents like insurance cards onto the same side of a single sheet), sorting, reduce/enlarge documents from 25-400%, and N-in-1 copying.
With up to 19200 x 19200 dpi (interpolated) scanning resolution, you can create high-quality color scans in a variety of file formats including: PDF, JPG, TIFF, and more.
Scan multi-page documents using the 35-page capacity auto document feeder or use the document glass for bound materials or up to letter-size documents.
Offers a wide range of scan-to options including: E-mail, file, image, and OCR (Optical Character Recognition).
A robust suite of powerful scanning software for document management, editing and archiving, including Brother Control Center, Nuance PaperPort SE with OCR for Windows, and Presto! PageManager with OCR for Mac.
Deep Sleep mode uses minimal power (less than .9W) when the machine is not in use.


Brother TN450 High Yield Toner Cartridge Black$51.69

Shipping & Handling included *
1 - Black Toner Cartridge
Page yield: approx. 2,600 pages

8.5% Sales Tax makes it just over $140 delivered, after the $20 combo discount.
Subtotal: $149.68 Less Promo Code: -$20.00 Shipping & Handling: $0.00 Non-Member Surcharge: $0.00 Tax: $10.70 Order Total: $140.38
Cancer Diagnosis -- Financial Impact
Added on : Thursday April 10th 2014 11:00:15 AM
g: 0 Posted By: elrp
Views: 127 Replies: 4 Long time member with a new name.

I am female, 49, don't drink, don't smoke, in good shape, healthy diet. Please don't ask for pictures (I am very attractive for my age though). Up until a few days was very healthy. Had some abdominal pain, thought maybe I was having gallbladder issues. Turns out instead I have a tumor which is 99.99999% a freakishly rare form of liver cancer. Still being evaluated, do not know prognosis, could have months, could pull through this albeit with a reduced life expectancy. I assume people will be sympathetic - thanks, but please let's try to keep this strictly to the financial end of things.

Would appreciate help thinking over the financial part of things. I am the financial person in our household, married, one kid on his own, one still in college with 2 years to go.

Owe $120k on our ~$300k house, 8 years to go at 2.5% fixed
Life insurance on me $200k through insurance company, another $80k through work.
$30k loan on 2014 car. 4 other cars paid off.
About $6k left on PLUS loan for kid #1
No other debt
$20k liquid savings
$350k in 401k
$112k lump sum pension
Spouse has own 401k, around $200k there
$5k or so in HSA
Good health insurance
90 day short term disability at full pay for me, long term is 60% of pay

Kid #2 has $100k 4 year scholarship, our expected cost for him to complete college is $24k (housing, fees, travel, food, etc) which we have been paying from income and savings.

Income me $80k, spouse $40k (should increase to $56k in the next year)

While I would really like to have more life insurance on me, other than that I think H should be o.k. should I not survive this. Agree?

What if anything should I be doing now financially? I know I will have to record all our accounts and passwords for the H who is completely financially challenged. What else?

What am I missing?


















Personal Finance Deals
Defensive Driver Course price comparison?
Added on : Thursday April 10th 2014 10:00:11 AM
g: 0 Posted By: mabehr
Views: 39 Replies: 0 Hi FWF folks, long time lurker, first time poster. Please be kind!

Has anyone done a comparison of online Defensive Driving Courses? I'm not sure if they would differ by state, but I'm in NY
I've done a bit of research, and have the following:

Geico.amersc.com - 24.95 (for Geico insurance holders only?)
www.newyorksafetycouncil.com - 24.95
www.iDriveSafely.com - 26.45 (after AAA discount)
www.empiresafetycouncil.com - 29.95 (after a $15 promo code, there may be even better ones that I couldn't find)
www.newyorkdefensivedriving.com - 29.95
www.firstnetcampus.com - 32.99 (with Costco Executive Discount)
www.safetyserve.com - 39.95

Price may not be the only thing to consider here: the $40 course advertises a 100% pass rate.Does anyone have any advice?



Discussion Deals
g: 0 Posted By: limerickey
Views: 183 Replies: 3 I'm just back from a long trip I paid for using miles. Booked in Business to and from Frankfurt on Lufthansa through United's mileage program. The Lufthansa pilots went on strike on the date I was supposed to fly home and the flight was cancelled. United managed to get me on a flight 2.5 days later (albeit in the last row of Economy), so I extended my stay in the Netherlands by two days and had a train ticket I'd planned to use to get to Frankfurt become worthless and had to buy a new one to get there when I needed to be there. Since this is in Europe, a laundry list of passenger's rights supposedly apply, but the big one is out of the picture because under their law a labor action is seen as an uncontrollable act the airline can't be held accountable for. It would seem from looking at the EU regs that the airline is on the hook for food and lodging costs under the law there despite the strike, but the strike knocks out the 600Euro "compensation" I'd be entitled to if the delay were not caused by the strike.

So, now that I'm home I find that I did purchase trip insurance for this vacation.

My question is: Do I harass Lufthansa and United for whatever they theoretically owe me, or do I just file a claim with the trip insurance folks? I'm concerned about the latter, since all of the food I bought was with cash, so I've got no receipts for it. I do have receipts for the lodging extension and the new train ticket.

Anybody here have recent insight into this stuff?
Personal Finance Deals
Should I refinance my loan from 30Yr FHA @ 4.5% to a 5/5 ARM @ 2.75%?
Added on : Thursday April 10th 2014 05:00:11 AM
g: 0 Posted By: goofydragon1
Views: 78 Replies: 1 I am not sure if this question was every addressed in the forum. I would like to communities POV on refinancing my mortgage. Here are the facts:

Current
Loan Type: 30Yr FHA
Interest Rate: 4.5%
Original Loan Amt: $282500
Current Amt: $265489
PMI: $257.19 (Until ~ 6/2021)
P&I: 1432.12
Current Mortgage (includes: P+I, Home Insurance, PMI, County Tax, and Shortage): $2082.01

Refinancing options with Belvoir Federal Credit Union are below. Closing charges are $3089.30 and $3140.39 in reserves totaling 6229.69 that I will finance back into the loan.

New Loan Options
Loan Type: 5/5 Yr ARM,
Points: 0
Initial Interest Rate: 2.75%
Periodic Cap: 2%
Lifetime Cap: 5%
APR: 2.894%
Fully Index Rate: 2.87%
Requested Loan Amt: $273000
Current Amt: $265489
PMI: $0
P&I: $1114.50
Proposed Mortgage (P+I, Home Insurance, Tax): 1524.60

We plan to move with five years which this loan will make it a now brainier, however, if loans goes up like analyst may suggest we'll probably state in the home much longer. History shows that ARMs have always been lower that 15 and 30 Year fixed rates. The fact I do do know is that our LTV is under 80% but in my current FHA the LTV is 93%. BelvoirFCU also have a a 30 Yr fixed rate @ 4.25% (4.412% APR) w/ 0 points.


Personal Finance Deals
Should we file accident claim?
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: revheck
Views: 57 Replies: 3 My wife was in a minor accident this morning that was the other driver's fault. She was stopped at a DC Metro drop off lot (in Virginia) and a shuttle bus backed into her while she laid on the horn. There is damage to our car, but probably less than $1000. She did file a police report and exchange information with the other driver.

Normally, I wouldn't hesitate to report to our insurance company, but there are extenuating circumstances:

We've just moved from New Jersey to Virginia 3 days ago, and planned to search for new auto insurance within next few weeks.
We have State Farm auto insurance in New Jersey, but our old car(1997 Lexus)has no collision coverage.
Virginia is an at-fault state, while New Jersey is a no-fault state.
The accident occured on private property.
My wife did have a minoraccident in New Jersey last summer that was her fault. (She was ticketed.)

I am assuming the other driver's insurance will pay our damages, since Virginia is an at-fault state. But I don't want our insurance premiums to go up over a minor claim.

Recommendations?



Closing cost fees on a house, are these bogus or "normal"?
Added on : Wednesday April 09th 2014 03:00:08 PM
g: 0 Posted By: spydermonkey
Views: 110 Replies: 2 The mortgage broker I am working with sent me a "worksheet" for the closing cost on a $250k house that Im interested in.

Below is a list of fees on the worksheet. Do any of these seems bogus or is this "normal" and I just need to suck it up as being part of owning a house?

Processing Fee - $500
Underwriting Fee - $550
Appraisal Fee - $400
Closing/Escrow Fee - $750
Lender's Title Insurance - $937.31
Owner's Title Insurance - $282.89
Mortgage Recording Charge - $330$3,750 totalThis doesn't include the others things that I expect like down payment, insurance reserves, tax reserves, etc.
Real Estate Deals
$69 SquareTrade Smartphone Protection Plans -- Lowest Price of the Year
Added on : Wednesday April 09th 2014 02:00:04 PM
g: 0 Posted By: sjonathan
Views: 201 Replies: 0 Lowest Price of the Year: $69 / 2 year Smartphone Protection Plans (regularly $99)
http://www.squaretrade.com/smartphone-warranty
CODE= KSH297

*DEAL ENDS TUESDAY APRIL 15TH
-- Covers drops, spills, and malfunctions.
-- Protect any new smartphone or older insured phones.
-- Switch to SquareTrade and save about $90 a year vs. insurance from the big cell phone carriers.
-- No costs/fees from the big carriers to cancel your existing insurance.
-- Use code KSH297 to get our lowest price of the year on #1-rated protection. Discount appears at checkout.



Cell Phones Deals
question about whole life insurance 770 plan
Added on : Wednesday April 09th 2014 09:00:14 AM
g: 0 Posted By: lifesustain
Views: 119 Replies: 1 Saw on another forum about whole life insurance plan called 770 plan but it was very brief.

There are rules that restrict direct advertising of whole life, so they use
this gimmick 770.

It is also taxdeductiblejust like 401 k plus 4 % dividend per yr if went through private life insurance company. I did google search but got very little to nothing on 770 plan. Any info from FW community? thank you.

Question Deals
Still receiving HSA Contributions
Added on : Wednesday April 09th 2014 06:00:09 AM
g: 0 Posted By: lotusgardener
Views: 10 Replies: 0 Hi all,

Looking for the tax implications of the situation I am in currently.

I changed my insurance beginning of this year to a PPO from my HDHP. My employer contributes 60 bucks a month into my HSA account while I was under the HDHP. But since I am under a PPO now, they are still contributing! I check and they have made their deposits for the first three months of the year. Now I know you can't contribute to an HSA if you are not covered under an eligible plan, but what are the tax implication of this? Only reason I ask is because my HR is filled with idiots who can't tell their left from their rights, so getting this fixed will probably get dragged to the end of the year.

If I am not covered under an eligible plan (as of December 1, 2014 per IRS guidelines), do the contributions get taxed as ordinary income?

Tax Deals
Bushmaster Carbon 15 @ Bud's $549 AR of $50
Added on : Wednesday April 09th 2014 06:00:06 AM
g: 0 Posted By: itsausername
Views: 238 Replies: 0 Bushmaster Carbon 15

16" .223/5.56
Includes a red dot sight.

Cash discount price is $599 before rebate.

Bud's sells a lifetime warranty for $29.95 during checkout if you're so inclined.

Optional shipping insurance is available for $6.

Cash discount price is payable via actual check/MO or e-check (ACH).

Add $17.97 for their 3% fee if you want to use a credit card instead.

Unless you have an FFL license, you'll also incur a transfer fee which typically ranges from $20 to $50.

Guns & Ammo Deals
g: 5 Posted By: remick
Views: 2744 Replies: 0 http://www.amazon.com/dp/B00J17SF8M

4.6 out of 5 stars (11 customer reviews)

Handle airports and airlines with confidence! Dozens of ways to save money and time, whether you fly twice a year or havent flown for ages. Fast forward past beginner and go right to being a pro when it comes to travel insurance, online ticketing, boarding passes, being comfortable, and getting a better seat on the day of flight.
Breeze through the TSA screening process after reading these great tips from an actual baggage scanner designer!
Jet lag no more; feel your best the day after you land, and get a whole extra day at your destination! This book contains a list of foods you can pack in your carry-on and bring on board.
The art of handling delays and cancelled flights; a couple of options so you do not have to sleep on the floor at the airport.
Lost bags: how to prevent it from happening, and if it does, how to ensure your bags find you as quickly as possible. When to ask for your 'immediate essentials' money from the airline!
A pre-flight checklist, for peace of mind while youre away from home.
A brief guide to packing light. The easy way to make seven to fourteen day trips with just carry-on luggage possible, if you want to. It can be done with the clothes you own today, no shopping necessary.
Everything you need to reduce stress and improve your ability to handle any turn of events on your trip, all in one place.
Totally Free Deals
Help me write remodeling contract
Added on : Tuesday April 08th 2014 01:00:05 PM
g: 0 Posted By: mojoshtudd
Views: 76 Replies: 0 I am about to have my kitchen remodeled and have almost finalized the contractor who will do it. This was based on cost/materials/reviews/gut feeling after interviewing 5 contractors.
Even though I am happy with this guy, I want to make sure that the contract is written in a way that saves me headaches down the road. This is my first remodeling project, so I want to make sure I got everything covered.
FWIW, this is in Southern California.
Some of the points I think should be on the contract (based on Google search, asking around, in no particular order):

Payment schedule: 10% in the beginning, tiered payments at end of each milestone (demolition, cabinet installed, counter-top installed etc) and a final hold-back amount (~10-20%) to be paid upon completion and my acceptance.
A clause that protects added costs - any modifications that result in increased budget to be mutually accepted and signed before being implemented
Start and end dates. A clause that specifies what happens when work goes significantly beyond schedule.I don't know how to word this part.Should I put in a penalty clause for delays or reward clause for early completion. How much grace period to give him beyond agreed upon schedules? I don't want to hold him to the day and hour of the schedule but also do not want him to work on other projects and delay mine by a few weeks.
A clause to specify how to handle disputes. Should I put in a clause about binding arbitration to avoid court costs and time?
Protecting myself from liens: unconditional lien releases from all his subcontractors/vendors/employees that worked on my project prior to each of the payment schedules. My understanding is that this releases me from being sued by a sub-contractor because the general contractor did not pay him despite me clearing payment from my side.Is this typical in a contract?
A clause about damages, dust control etc while he works on the project.What is a good way to write this?Basically I want to make sure they protect walls, furniture etc from dust. Also do not damage my property etc. The guy is bonded and has insurance, workers comp etc - but do I need to specify that on the contract or do these things automatically kick in if he damages something or his worker gets injured.
A termination clause - something that lets me get out of the contract if I consider the work to be below expectation at any stage. Again, I don't want to be a dick about it and yank him if I get a better bid midway; but I also don't want to be on the hook if he is clearly headed down the wrong path
Warranties on work: I read that it is a good idea to turn down the contractors warranty. Apparently accepting it waives the state statutes which have better protection. This was counter-intuitive for me but would like some feedback from you guys. I am in CA.

Anything else I am missing?
I will update this thread as I get the actual contract in hand and negotiate with the contractor.
Real Estate Deals
Best way to give car to family member in another state?
Added on : Monday April 07th 2014 07:00:08 PM
g: 0 Posted By: bytem3
Views: 155 Replies: 1 I am planning to gift my current vehicle in the near future to a family member that lives in another state. This is/was my first vehicle (and purchased outright, used from the dealer), so I'm not even really aware of the ways in which things could go sideways. That's why I'm posting here - "FWF, you're my only hope!"

Presumably, this varies by state/DMV, but what kinds of situations/technicalities (legality/liability, tax, transferring tags/registration, etc.) do I and the recipient need to be aware of in gifting my car to them and what is the best way to go about doing it? It is currently registered in my name, as are the insurance and tags. As far as timing, the transfer would happen a couple months following tag renewal.
Personal Finance Deals
Moving to Europe for 4 years, what to do with house
Added on : Monday April 07th 2014 08:00:07 AM
g: 0 Posted By: lostjake
Views: 115 Replies: 7 My family and I will be moving to Europe for 4 years (temporary work assignment). We currently own (no mortgage) a $265k house in northern Wisconsin. Taxes are around $4100 a year and insurance is another $1000. I would like to move back to the area after the assignment, and I believe the house is worth quite a bit more than what I paid for it, and I like it in general. I don't think I can demand $1000 a month in rent in this area, as most places go for around $500 a month. My brother in law was/is thinking about selling his house and would move in and pay to cover the taxes/insurance (around $500 a mo), and "fix everything that breaks", besides the fridge because its a sub-zero. I think he would take better care of the home than some stranger. I don't like just heating the house when I'm gone because over 4 years it would probably be around a 30k carrying cost. Any other ideas out there on how I could make this assignment as least painful as possible house wise? BTW we're moving to the Netherlands.

Thanks!
Personal Finance Deals
Jewelry insurance
Added on : Sunday April 06th 2014 02:00:05 PM
g: 0 Posted By: spydermonkey
Views: 67 Replies: 0 The insurance policy on my wife's engagement ring is due this month and Im curious if anyone has any recommendations. I currently have a policy with Jewelers Mutual (aka Perfect Circle). The premium is reasonable, $10 per $1,000. Covers lost, theft, damage.

Any other companies worth looking into?
Question Deals
g: 1 Posted By: jskins
Views: 239 Replies: 0 Charming Lotus Shaped Colorful LED Night Light (3xAG13) - $2.39 with Free Shipping at Mini in the Box.

7 different colors
Soft and warm light
Energy-saving and environmentally friendly
Stylish design, a great decoration
Powered by 3 AG13 button batteries

**Be sure to uncheck the "Shipping Insurance" box during checkout to avoid a $0.99 fee**
Home & Garden Deals

MiniInTheBox Coupons
Car rental small scratch not caused by me
Added on : Friday April 04th 2014 12:00:10 PM
g: 0 Posted By: alkotik
Views: 78 Replies: 4 Hello, I am just looking for some advice.
Last weekend I rented a car from National. When I got the car I looked around and did not see any scratches. I drove for one day without any incidents. But on the return the person went right to the place where the scratch was as if she knew it was there and made a report on the scratch. She said she checked the computer and the scratch was not reported before which made me liable for it. I know that I should have been more careful checking the car before I took off. But my question is - should I insist that I did not scratch the car or should I just report to the insurance which is Amex?
New User Question Deals
g: 0 Posted By: remick
Views: 145 Replies: 0 http://www.amazon.com/dp/B00J17SF8M

4.6 out of 5 stars (11 customer reviews)

Handle airports and airlines with confidence! Dozens of ways to save money and time, whether you fly twice a year or havent flown for ages. Fast forward past beginner and go right to being a pro when it comes to travel insurance, online ticketing, boarding passes, being comfortable, and getting a better seat on the day of flight.
Breeze through the TSA screening process after reading these great tips from an actual baggage scanner designer!
Jet lag no more; feel your best the day after you land, and get a whole extra day at your destination! This book contains a list of foods you can pack in your carry-on and bring on board.
The art of handling delays and cancelled flights; a couple of options so you do not have to sleep on the floor at the airport.
Lost bags: how to prevent it from happening, and if it does, how to ensure your bags find you as quickly as possible. When to ask for your 'immediate essentials' money from the airline!
A pre-flight checklist, for peace of mind while youre away from home.
A brief guide to packing light. The easy way to make seven to fourteen day trips with just carry-on luggage possible, if you want to. It can be done with the clothes you own today, no shopping necessary.
Everything you need to reduce stress and improve your ability to handle any turn of events on your trip, all in one place.
Totally Free Deals
Do I Need Collision Insurance? To Cover Business Rental Cars?
Added on : Thursday April 03rd 2014 05:00:07 PM
g: 0 Posted By: robronson
Views: 86 Replies: 0 My collision insurance is $140/year for a $1k deductible on a $6k car. That seems excessive. I have the liquidity to drop $6k on a new car in the time it takes to write a check. I've kept it because I travel for work 4 days a week and am in rental cars. My personal car insurance said my collision covers the rental car as long as it's under 30 days of a rental and I'm not actually using the car for business. Simply driving from the hotel to the client site isn't considered a business trip, per the phone CSR, and my personal car insurance covers me.

What I can't afford is crashing a 2014 rental car and writing them a check for $20k. I understand Visa/Mastercard offers a CDW which was really confusing to me but after reading wikipedia, makes more sense. CDW = Collision Damage Waiver meaning the rental car company waives the right to charge you for damages. It's NOT insurance. It's simply the rental car company "waiving" the right to sue you for damages. What I gather this to mean from Visa/MC is that by waiving the rental company's CDW (yes, you're waiving their waiver... >.< ) then Visa/MC will pay for any damages that might occur that the waived waiver might have covered, given additional restrictions on Visa/MCs part like possibly not covering hail damage.

I don't feel the need for $140 Collision damage on my personal car given I rarely drive it, I drive safe, and I can easily write a check for $6k to buy a new car immediately if necessary. To play the odds, I feel I'm significantly less likely than a 3% chance of totaling my car in the next year (which is $160 divided by the $5k they'd pay out after the $1k deductible). I'd rather bank the $140 because on a risk-adjused basis, it's free money to cancel the policy. It would be like a $10/hand blackjack table where you started each hand with one Ace. If you can afford to lose $10 then the odds are much in your favor to gamble as often as possible.

The downside is that I don't quite know if Visa/MC is enough to cover me, given I am driving $20k+ rental cars for approximately 250 days a year. I know AMEX offers $25/rental insurance but my clients won't pay for that and I'm not paying over $1k out of pocket to AMEX for the 50 rental cars I take out during the year.

I feel dirty paying for something that I really only need for business (the $140 annual personal collision insurance) but not being able to deduct it from my business income. It's the exact opposite feeling of using my business-deductible iPhone for personal calls (which feels amazing because it's 50% off given SE, State and Federal tax). Maybe I should find a business specific policy to cover me while in rental cars and deduct that off my income?

Or maybe my personal collision policy will be cheaper than any business policy, even if I can't deduct it as an expense, because the actuaries set the cost based on the $6k value of my car and not on the $20k+ rental cars I'm actually driving 80% of the time. In that case, maybe the actuaries are significantly underestimating their risk and it's "free money" for me (in spite of not being able to deduct it, ugh).

On a side note I have $300k/$300k liability personal insurance because that's not something to cheap out on. And I definitely can't cut a check for $300k.
Question Deals
g: 0 Posted By: lemonhead
Views: 174 Replies: 0 I figure if Kroger offers something (like 1 point per dollar, and 1000 points = $5 in groceries) SOMEONE else has to have a similar thing that can easily be funded so I can pay for my healthcare (healthnet in case anyone was wondering)
They claim I can't use my credit card except for the first payment, I will test this next month, but I need a fail safe backup plan in case that doesn't work.
Anybody seen anything like this that has no "re-funding fees" or
Question Deals
New Auto Insurance Plan...Pay by the mile
Added on : Thursday April 03rd 2014 07:00:02 AM
g: 0 Posted By: jigsaw1975
Views: 0 Replies: 0 https://www.metromile.com/

Interesting concept. Based on an estimate of 800 miles a month, I would save 24% off my current premium.
I havent signed up yet. Intrigued by this new type of auto insurance.
g: 1 Posted By: bxd20
Views: 199 Replies: 2 Hello.

I know this is a big enough event that I should seek the advice of a lawyer, andplanning todo so, but right now I have a few minutes so I thought I'd post this here and perhaps get some angles/suggestions that even a lawyer wouldn't bring up.

What started as seeminglybenign digestive system complaints for my mom(a couple scope tests came back clear), kept getting worse. The doctors finally ordered a CT scan which revealed ovarian cancer that has spread. They are scheduling surgery for one week from today, followed by chemo. If they open her and find the cancer has spread more than the CT even shows,it's all about buying time for her at this point.

I am the only child. My dad is still alive. Mom and dadare both elderly and only have Medicare part A (the level that everyone gets).

Sorry if these questions aren't organized very well, it's a very emotionally difficult time for us.

1. We are not concerned about medical bills in the range of 4 figures or even low 5 figures.My parents have a decent amount of assets (mid 6 figuresif everything is included). If I understand Medicare correctly, the hospital stay will be covered up to 60 days, and their portion will besomewhere around $1300. After 60 days it's about $300 a day. Does the surgery itself fall underthis 'hospitalization' category byMedicare? I would assume so. Surgeon says she will be in hospital 7-10 days. If she's not as covered as I think she is, is there any way to get a very high deductible catastrophic coverage plan, even with preexisting condition, on extremely short notice? Does Obamacare help at all here?

2. My next focus is on protecting the assets if surgery doesn't go well and she requires long term nursing home care. I know the 5 year rule about gifting. How are joint accounts handled when assessing for Medicaid eligibility? In other words... she has some joint accounts where I am named with her, on some her brother is named, on some,her husband (my dad) is named. I think there is one investment house (rental property)with her and her brother on it. Would all of these joint assets be 100% at risk should the bills mount? Or is a joint account viewed as 50/50 in ownership? What if we go to the bank and remove her name from a CD - I assume that triggers the 5 year gift timer? Or is that somehow OK, if they've been joint on the account over 5 years?

Again - I apologize if I asked any dumb questions. Sometimes FW members come down hard on people. Please try to go easy on me. My parents haven't really wanted my help/advice in the area of financials. Sure, in retrospect, they probably should have been carrying supplemental insurance. At this point I need clear heads to help me through a dark time in my life.

I greatly appreciate your time and thoughts.
Personal Finance Deals
g: 0 Posted By: jaylesh
Views: 137 Replies: 5 Hello,

A few months back, we started noticing cracks in quite a few places in our NJ home. But then we noticed that the cinderblocks were crumbling apart that made up our retaining walls located in our outside backyard (which is located on a very steep hill) That's when we took it upon ourselves to call a friend of ours over who is a structural engineer-- he stopped by the other day, and all of our fears were realized with what he said. He stated the following: -The retaining wall was built at surface level -There are four distinct cracks in the foundation already -the engineer could literally put his hand underneath parts of the foundation. He stated instead it should have gone 6-12 feet deeper. -there are many mortarless joints that were installed improperly -Pins are not in place correctly either, and the cinderblocks are now bulging -There was no drainage system installed for the retaining wall...In order to rebuild the two or three retaining walls that take up the back portion of our property it'd cost 30,000$ minimum (money we don't even come close to having)
With that being said, my questions are:
Do we have a case to sue the developer we bought it from?
How about a case against our town for inspecting it improperly?
Should we get homeowner's insurance involved? I've read and heard that many don't cover for foundation issues, so I'm worried that if we call them up it'll be a big red flag on our account that could lead to potential dropping of coverage...
Any and all insights/advice would be greatly appreciated. Thanking you in advance,
Jason



Question Deals
Anyone shopped for title insurance before?
Added on : Sunday March 30th 2014 08:00:11 AM
g: 0 Posted By: fleetwoodmac
Views: 92 Replies: 2 So my real estate agent tells me I need to pay 1% of the purchase price to title company for title insurance
I said can't I shop around for title insurance?

And of course she does not know what I am talking about, and I searched the internet and found 2 companies only

www.onetitle.com
www.entitledirect.com

According to the WSJ article below it says

=15pxEnTitle has an "A Prime" rating from Demotech, which rates insurer financial stability. That is Demotech's second-highest rating, and the same rating many rival title insurers have.

OneTitle, which also markets to real-estate lawyers and other industry professionals, has a rating of "Substantial" from Demotech. The rating, while lower than EnTitle's, is acceptable to most mortgage lenders, according to Demotech.

Redfin, a real-estate agency based in Seattle that has pioneered the use of technology in real-estate sales, started a title-insurance agency, Title Forward, in early 2013. It is based in Philadelphia and sells policies in Maryland, Virginia, Pennsylvania, Georgia and the District of Columbia.

http://online.wsj.com/news/articles/SB10001424052702303949704579...

I am in TX and it was gonna cost me 1% which is like 3,710 but I called Entitle direct and they sent me an email in half an hour for $3,100

I did not call One Title yet

So at this point, what is the catch here what are the potential drawbacks?
Question Deals
Using Car Leases To Maximum Advantaged If Self Employed
Added on : Thursday March 27th 2014 07:00:06 PM
g: 0 Posted By: robronson
Views: 89 Replies: 1 As a 1099 consultant, I look for interesting, legal ways to maximize tax benefits. Here's one idea I've been toying with but I'm not entirely sure if it's legal or if it even makes sense from a financial perspective:

1) Lease a new car that you eventually want to own personally.
2) Deduct the full amount of the lease and car insurance off your business income, as the monthly payments arise
3) At the end of the 3 year lease, decide to buy out the car, but do so personally.

The benefits here are that you get to buy a 3 year old car that you have been the sole owner/driver of since it's been new. You wouldn't be able to buy a 3-year old car in that same condition for that same price and you definitely can't do it without uncertainty. You never really know what the previous owner did with that vehicle.


Discussion Deals
USAA discounts?
Added on : Thursday March 27th 2014 03:00:04 PM
g: 0 Posted By: vickh
Views: 37 Replies: 0 USAA.com offers an insurance discount for buying a financial product thru them.

What's the min. qualifier that actually would have a + return/stable value+ relatively safe. + Low fees


Thanks!
Question Deals
Inheritance coming - What should I do with it? - Next Steps
Added on : Thursday March 27th 2014 10:00:10 AM
g: 0 Posted By: dd564
Views: 652 Replies: 11 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

Inheritance
I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoughts?

Mortgages are $1450 on the one we have
Personal Finance Deals
g: 0 Posted By: jcaserta
Views: 105 Replies: 3 Hi,

So my gf backed into someone on the way to work yesterday. It was at 2 mph or something, super minor accident, but unfortunately we had the trailer hitch on. So it put a dent in their bumper. Our truck is completely unharmed.

GF basically admitted to being at fault, which is fine. Gave insurance info, the other person filed a claim with our insurance company (Travelers). She got a repair quote from the most expensive shop in the area and it was $1050 or so. I've gotten quotes from this place before for our own work and it's been 3x what other places charge but fine.

Our deductible is $1000 so going through insurance gains us nothing. And we've both been completely accident free before this. From reading online it looks like this will raise our rates by 25% at least, which we have a few high value cars so that will be a pretty substantial increase, at least a few hundred $ every 6 months.

We tried offering the cost of repairs based on that quote plus a little bit extra to the person if they retract the claim but they won't budge and say they have to go through insurance. Has this been other people's experience as well? This is new territory for me, I've never been at fault in an accident.

I'm thinking about offering them $2k or something since that will absolutely pay for itself if our premium would actually go up a few hundred every 6 months for a few years, if I do this is there any guidance from anyone as to precautions to take or if this is a good idea.

Any other input?
Personal Finance Deals
Next Steps
Added on : Thursday March 27th 2014 05:00:17 AM
g: 0 Posted By: dd564
Views: 72 Replies: 0 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoguhts?

Mortgages are $1450 on the one we have
Personal Finance Deals
Publix - Free Meds Program Lisinpril, Antibiotics & Metformin
Added on : Wednesday March 26th 2014 08:00:09 PM
g: 0 Posted By: CindyLouWho2
Views: 0 Replies: 0 Publix - Free Meds Program Lisinpril, Antibiotics & Metformin
Publix Free Medication Program

It doesn't matter who your prescription insurance provider is or the number of prescriptions you need filled. There's no limit to the number of refills and no forms to fill out. How's that for easy?

Hurry and drop your prescription off at your neighborhood Publix Pharmacy and get the generic medication you need, free. Bet you're feeling better already.

FREE Lisinopril

An ACE inhibitor, lisinopril is used to prevent, treat, or improve symptoms of high blood pressure, certain heart conditions, diabetes, and certain chronic kidney conditions. Get a 30-day supply of this vital prescription FREE* only at your Publix Pharmacy.
* Maximum of 30 days supply (up to 60 tablets). Lisinopril-HCTZ combination products excluded.

FREE Antibiotics

Due to the unavailability of generic Doxycycline Hyclate (capsules only), we are no longer able to offer this item on our Free Antibiotic Program.
Get up to a 14-day supply of the following generic oral antibiotics free: Amoxicillin
Ampicillin
Cephalexin (capsules and suspension only, excluding 750 mg)
Sulfamethoxazole/Trimethoprim (SMZ-TMP)
Ciprofloxacin (excluding Ciprofloxacin XR)
Penicillin VK

FREE Metformin

As part of our Publix Pharmacy Diabetes Management System, you can get up to a 30-day supply* of generic immediate-release metformin (500mg, 850 mg, and 1000 mg) FREE.

*120 tablets of metformin 500 mg or 90 tablets of metformin 850 mg and 1000 mg


http://www.publix.com/pharmacy/Free-Medications.do

Garfield Visa Rewards Card by Commerce Bank
Added on : Tuesday March 25th 2014 06:00:03 PM
g: 0 Posted By: interestedinfw
Views: 211 Replies: 1 Just saw this, who doesn't like Garfield?

Looks like you get points on the interest you carry to the next month.

http://www.commercebank.com/personal/cards/credit/garfield-visa/... points towards hundreds of reward options including Merchandise, Gift Cards, Cash Back, Travel and more every time you make a purchase!
Highlights
A credit card that earns points towards hundreds of reward options like Merchandise, Gift Cards, and Travel, as well as, exclusive Garfield items.

Annual Percentage Rate
1.99% Introductory* APR on Purchases and Balance Transfers for 6 months, then a competitive rate of 14.24% to 20.24% APR**.
[l=View Important Disclosures>>[PDF]]http://www.commercebank.com/pdfs/cardact/GarfieldVisaWebDisclosu...[/l]

Annual Fee
$0

Rewards*** Additional Details:

Earnonepoint for every dollar in net merchandise purchases
Earnthreepoints for every dollar in interest you accrue on your monthly balances.
Plus, an additional500 bonus pointswith your first purchase within 90 days.

UNLIMITED point earning is here! No cap exists on the points you can earn each year.
Take up to3 yearsto earn and redeem before they expire!

View exclusive Garfield items here!

Additional Benefits
OnlineE-Statements
OptionalAuto PayandOverdraft Protection
24/7Customer Service (except holidays) and Online Account Access
Zero Liability coverage****
$100,000 Travel Accident Insurance
Auto Rental Collision Damage Waiver
Emergency Card Replacement and Emergency Cash Disbursement



Deal Deals
Internships for Finance Major in Jacksonville, FL Area
Added on : Tuesday March 25th 2014 02:00:14 PM
g: 0 Posted By: n5741
Views: 13 Replies: 0 Hello everyone, writing today to inquire about what you all think the best possible places to try and obtain an internship in the Jacksonville, FL area would be for sophomore majoring in finance. I am currently a sophmore at UNF (Swoop!) and have been trying to utilize CareerWings to the fullest, however, I feel that I am now at a wall and with summer approaching, I would like to try and lock something down quickly. I feel that a majority of the internship or job offerings listed on CareerWings are with less than stellar companies (NorthWestern, Blue Star Financial, etc.) for someone who is intending to major in finance that does not want to end up in the insurance business. So please any recommendations on where to look into would be much appreciated. Also I wanted to address a side point as well, if I have inevitably waited to long and a left myself to only intern at one of these sort of places, is it worth pursuing instead of a normal part time job?
Discussion Deals
Health Insurance - UCR vs PPO - Huge Medical Bill
Added on : Tuesday March 25th 2014 06:00:25 AM
g: 0 Posted By: Lappie
Views: 68 Replies: 1 I do everything I can to avoid a doctor, but im getting older. I have insurance through my employer which is a PPO that uses
PHCS and Multiplan. I had to have a procedure done in December 2013 that required outpatient surgery. The necessary
pre-authorizations were obtained and all doctors and the hospital were in-network. My individual deduct is $500 and
80% Co-Ins for the plan. I thought it was pretty good.

I am now getting balance billed by the hospital for $11,000 because my insurance processed the claim using
"Reasonable and Customary Charges." I was told by my insurance company have the right to use PPO or UCR in deciding what to pay.
Of course, I have never run into this before because I dont usually require this, however, moving forward, I may.
I see of the claims, for the surgeon and anesthesiologist, are also being done this way, so I expect to owe
a few thousand there as well.

Of the approx $20,000 bills, the insurance covered about $5000.

Any help on this matter is appreciated. If nothing else, let this be a warning to you who have plans to check
your documents to see if this craziness is applicable to you. In addition, the UCR deductions are not
applicable to max out of pocket, so its payable to the provider at 100%.

This is an expensive lesson learned.
Personal Finance Deals
Basement Remodel Considerations
Added on : Monday March 24th 2014 01:00:08 PM
g: 0 Posted By: Rewdog
Views: 147 Replies: 3 I have a pseudo-finished walk-out basement that I'm looking to remodel to put another bedroom (we recently had a family member move-in and we have a kid on the way). I say pseudo-finished because although it passed home inspection, it is still not considered livable space in the appraisal; no ac / heat, no doors to the different rooms.I bought the house as a foreclosure and most of the basement looks to be a DIY type job.It has functioned fine as a rec room and storage but I don't feel comfortable making any guests sleep down there yet.

The re-model will consist of (pics for tldr):

Removing a single interior wall that is not load bearing but does contain an outlet on either side.
Removing a second interior wall that makes up a closet.
Extending a current wall, creating a doorway, and closing an existing doorway opening.
Installing a full size window.
Creating new electrical outlet (outlets already exist on this wall).
Creating a closet
Closing an existing opening with a louvered door for access to the water heater.
Creating a new doorway with a louvered door for access to the HVAC.

I've never done a remodel of this magnitude, so I want to have my bases covered. Is there anything I am missing or should re-consider?

I plan for everything above to be done by a single general contractor that will sub-contract an electrician for that work. I'll do the more cosmetic stuff: painting, flooring, closet shelving, lighting.
Will a general contractor pull the required permits or do I have to do that? How long does that usually take, and what does it usually cost? As I said before, most of the basement seems DIY and I'm unsure previous work had been permitted.. what could be the ramifications of that?
I'm installing a window for egress, but will use space heating rather than tapping into my central hvac system.. This should mean that the space still does not count as livable so my property taxes should not increase.. Does that sound right?
What type of notifications or adjustments should I do to my home insurance?
The water heater and HVAC is natural gas which is why I am going with louvered doors; any issues with that being attached to a bedroom other than noise?
Does a $5k to $7k budget sound reasonable for the contracted piece?

Thanks FWF geniuses!
Personal Finance Deals
Need help planning 6-12 month travel dream
Added on : Sunday March 23rd 2014 07:00:09 PM
g: 0 Posted By: travelguy28
Views: 22 Replies: 0 I started my first post-college/salaried job last year and make ~$60k annually in a very low COL city. My plan is to work for another ~2 years to save enough money to travel around the world for 6-12 months. I should have almost $30k saved and am budgeting $100/day to spend while traveling.(In reality, it will probably be $30-$50/day in cheaper countries and $50-$100/day in more expensive countries. The $100/day budget is to account for air travel and all misc expenses.)

I am most concerned about planning for after the trip is completed. How much should be saved for when I return home? Does 6 months worth of living expenses sound reasonable? I will need to find a new job so this may take some time. I might ask my current employer for a LOA but they probably won't accept this.The other thing I am worried about is health insurance. I should be covered by parents health insurance for the duration of the trip but will turn 26 after returning home and no longer be covered.

What else should I be considering besides the fear of not finding a new job and hurting my career?
New User Question Deals
Need Advice on Renter's Insurance
Added on : Saturday March 22nd 2014 06:00:10 PM
g: 0 Posted By: hurricanedarby
Views: 30 Replies: 0 I currently have renters insurance through USAA at $112 a year including replacement cost. I was looking around at other options; it is getting frustrating applying for quotes only to find out that the company does not offer replacement cost coverage (then they bombard my e-mail and my phone via the info I provided on the quote). In an effort to avoid more unwanted ads, I wanted to ask if anyone here had any advice/opinions on good options for renters insurance. Thanks!
Discussion Deals
Giving away land for fun and profit
Added on : Friday March 21st 2014 05:00:16 AM
g: 0 Posted By: peps2004
Views: 46 Replies: 3 We bought a house last year and 1 sq ft of the corner of the front yard is in a flood zone; this means we have to pay flood insurance even though the house itself isn't in any danger of flooding.

Paying for the insurance therefore feels like a wasted expense, so we're interested in finding some way around it. One thought I had was whether it's possible to give up that part of the land to the city (we live in Virginia if that would make any difference).

Has anyone else experienced anything like this or come up with a different solution?I'm assuming there would be some kind of initial cost involved in drawing up contracts, doing property searches, etc, but figured the long term savings might be more worthwhile. That's if it's even possible to do something like this.
Personal Finance Deals
g: 0 Posted By: manmohanrawat
Views: 67 Replies: 2 Story so far;
Wife got into a fender bender at wholefoods , exchanged insurance information , contacted OP's insurance the same day was given claim # and was told to get an estimate from the adjuster. that was last year Nov 2013
After 45 days was told they are not able to get in touch with the client ,and I got 2 more letters from OP's insurance company asking for me time and then in Feb this year I call them and then I am told they are not able to get in touch with the client and hence will be denying the claim
I just have liability only cause of an older car , Gieco now is saying that I am on my ownI went thru this archived thread and have come up with one option (Car Accident: Other Party At Fault - Denies Responsibility After the Fact To Insurance)SUE that person in small claims court

wife has pictures of the accident and insurance cards
my wife tried to get her to record a conversation but that person could not speak or hear

I was told by OP's insurance company that even if I did get that in writing they would absolutely have to talk to that person and it would have not mattered even if there is a police report.

Any ideas or suggestion.. apart from the option i mentioned above Sue in small claims











Personal Finance Deals
g: 0 Posted By: catanpirate
Views: 96 Replies: 1 Hi all, thanks in advance for your help. My family is going through many transitions at once (my head is spinning), and I wanted to ask for some wisdom to make sure I don't overlook things. I don't have a lot of experience navigating these things.

My wife is 39 weeks pregnant. I currently work as an RN, but have accepted another position in another state starting at the end of April. My wife is currently insured under her employer; I am under mine. Adding the baby to her plan would be prohibitively expensive. We would like to add the baby to mine, but of course, I am resigning this position and taking another one. How does this sound for a plan: have the baby, put the baby under my insurance, give 2 weeks notice, have me and the baby on COBRA, sign us both up for insurance at the new place. My wife will continue her insurance with her employer as she can work remotely from out of state.

Please let me know if there's any clarifications I can add. I'm already confused
Question Deals
1 month car rental, insurance options
Added on : Tuesday March 18th 2014 09:00:08 AM
g: 0 Posted By: jimtron
Views: 89 Replies: 2 I'm renting a car for one month in L.A. and trying to determine the cheapest way to insure it. I did a bit of research, and Amex's premium auto insurance seems like a good deal--$25 for up to 42 days. ETA: just noticed it's $17.95 for CA residents, nice.
https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do?intlink=premiumprotecthub_browsepromos_pcrpmonitoring&intlink=us-CCSG-NAC-CarRental-LearnMore

But that doesn't cover liability, any thoughts on where to get that? And/or any other advice would be appreciated. Want to save money but not skimp on coverage. I don't own a car so don't have any existing insurance.
Question Deals
g: 0 Posted By: sepulcher
Views: 194 Replies: 6 For the last 5 years or so, I've been blessed enough to bounce from funded grad programs to fellowships around the world, but now I'm faced with this very different scenario. I'll be receiving a lot more money, guaranteed for 5 years, and I'll need to stay (relatively) put for that long as well. Simply, I don't know how to do this, and it's rather intimidating. If anyone would be able to give me advice on anything from whether or not I should buy a home, what I should budget for what, or point me in the right direction I would really appreciate it a lot!

My fellowship includes:

$26,000 stipend, per year, guaranteed for 5 years (the first installment of which I will receive in August)
Full funding for tuition (so that's an expense I don't have)
Health insurance
some funded travel for conferences and what not

My current liquid assets (which is all I've got) are:

$14,000 in an REIT investment account
$20,000 inchecking and savings accounts

In terms of liabilities I have$60,000 in student debt which will be deferrable for the duration of the PhD.I think somewhere around $5-10,000 is non-subsidized, meaning it will accrue interest during the PhD program, while the rest will not.

I mentioned I've been bouncing around the last several years so I have next to nothing in non-liquid assets, I have:

no car
no home
no furniture
no anything apart from clothes, books, and various priceless knick-knacks

Some basic questions:

I need a car, how much should I consider spending?
I'll be in Indiana where I could buy a home for $60-80,000, should I? How much should I expect to spend? Is there a guide somewhere around here for first time homeowners? Since I'll be looking for a job in academia after, I do not expect to stay in the same location after, but it seems like I could pay off a house this cheap in 5 years...
What should I do with my savings?
I'm single, would like to have some money left over for vacations, dating (trying to resolve the singleness), how much should I budget for this?
What am I not thinking about that I need to be?

Thanks in advance to anyone who can either give direct advice or point me to somewhere that I can find it!
Question Deals
g: 8 Posted By: remick
Views: 1279 Replies: 2 http://www.amazon.com/gp/product/B00I3LIXAC

5.0 out of 5 stars (7 customer reviews)

This book will empower you with the tools you need to understand how personal injury rights and obligations arise. It will give you the tools to understand how personal injury claims are evaluated and the tools to negotiate your settlement or take the case to trial if necessary. All types of injury accidents covered from traffic accidents, to slip and falls, to dog bites and anything you can think off. You will know what to do in all types of personal injury claims and you will know how to win your personal injury claim in small claims court.

Know what your rights are after an accident
Know when you have a case
Know how to boost the value of your claim
Know how insurance companies evaluate cases
Know the dirty secrets insurance carriers don't want you to know
Know how to gather your evidence
Know what to do with the insurance questionnaires
Know what mistakes to avoid in gathering and preparing your evidence
Know how to present your small claims case in court
Know what dirty tricks insurance companies use in small claims court
Know how to prepare for your small claims hearing
Know how to get a fair settlement with the insurance carrier
Know when and how to hire an attorney

98 Chapters Total:
CHAPTER 1 -INTRODUCTION
CHAPTER 2 - WHY INSURANCE COMPANIES WANT TO SETTLE
CHAPTER 3 -WHY INSURANCE COMPANIES WANT TO SETTLE WITH YOU
CHAPTER 4 - DISCLAIMER
CHAPTER 5 - PURPOSE OF PERSONAL INJURY LAW
CHAPTER 6 RESPONSIBLE PARTIES
CHAPTER 7 - THE BIG PAYOFF MYTH
CHAPTER 8 - OUTLINE TO SETTLE YOUR CLAIM
CHAPTER 9 - WHO CAN BRING A PERSONAL INJURY CLAIM
CHAPTER 10 - PERSONAL INJURY CAUSED INTENTIONALLY
CHAPTER 11 - ROAD RAGE INJURY CLAIMS
CHAPTER 12 - UNINTENTIONAL INJURY CLAIMS
CHAPTER 13 - TRAFFIC ACCIDENTS
CHAPTER 14 - SEAT BELTS, BABY CAR SEATS AND HELMETS IN ACCIDENTS
CHAPTER 15 - BICYCLE AND MOTORCYCLE ACCIDENTS
CHAPTER 16 - PASSENGERS IN CAR ACCIDENTS
CHAPTER 17 - COMMERCIAL VEHICLE ACCIDENTS
CHAPTER 18- PUBLIC ENTITY VEHICLE ACCIDENTS
CHAPTER 19 - SECRETS INSURANCE COMPANIES DONT WANT YOU TO KNOW- DUI OR DWI DEFENDANTS
CHAPTER 20- TRAFFIC ACCIDENTS WHEN YOU HAVE NO CAR INSURANCE
CHAPTER 21 - NO DRIVERS LICENSE
CHAPTER 22 - FOREIGNERS AND UNDOCUMENTED WORKERS CLAIMS
CHAPTER 23 - DOG BITES
CHAPTER 24 - INJURIES CAUSED BY ANIMALS
CHAPTER 25 - WRONGFUL DEATH CLAIMS
CHAPTER 26 SLIP AND FALL CLAIMS
CHAPTER 27- TRIP AND FALL CASES
CHAPTER 28 - HOMEOWNERS INSURANCE
CHAPTER 29 - PREMISE LIABILITY
CHAPTER 30 - TOXIC TORTS- INJURY FROM CHEMICALS AND POLLUTANTS
CHAPTER 31- CLAIMS INVOLVING MULTIPLE DEFENDANTS
CHAPTER 32- OTHER NEGLIGENCE CASES
CHAPTER 33 - WORK ACCIDENTS
CHAPTER 34 - MEDICAL MALPRACTICE
CHAPTER 35 - DEFECTIVE PRODUCTS
CHAPTER 36 - PUBLIC ENTITIES
CHAPTER 37- CORPORATIONS AND OTHER BUSINESS ENTITIES
CHAPTER 38 - SPORT AND ENTERTAINMENT ACCIDENTS
CHAPTER 39 - CHILDREN
CHAPTER 40 - BURDEN OF PROOF
CHAPTER 41 - STATUTE OF LIMITATIONS
CHAPTER 42- INDIAN CASINOS
CHAPTER 43 - INJURIES ON MEXICAN AND CANADIAN SOIL
CHAPTER 44 - PROPERTY DAMAGE CLAIMS IN TRAFFIC ACCIDENTS
CHAPTER 45 - COMMON TYPE OF INJURIES
CHAPTER 46 - INJURIES REQUIRING SURGERY
CHAPTER 47 - CATASTROPHIC AND SEVERE INJURIES
CHAPTER 48 TYPES OF MEDICAL PROVIDERS FOR BODILY INJURIES
CHAPTER 49 - PROVING AN INJURY CLAIM
CHAPTER 50 - DEGREE OF LIABILITY
CHAPTER 51- SOCIAL MEDIA
CHAPTER 52 - OPENING A CLAIM WITH DEFENDANTS INSURANCE COMPANY
CHAPTER 53- INSURANCE CARRIER THREATENS TO CLOSE FILE
CHAPTER 54 - RESPONDING TO REQUESTS FOR INFORMATION
CHAPTER 55 - RESPONDING TO REQUESTS FOR INFORMATION FROM YOUR OWN CAR INSURANCE
CHAPTER 56- AUTO INSURANCE COVERAGE
CHAPTER 57 - SELF INSURED MOTORIST
CHAPTER 58 - INSURANCE COVERAGE IN NO FAULT STATES
CHAPTER 59 - AUTO COLLISION COVERAGE IN NO FAULT STATES
CHAPTER 60 - INSURANCE COVERAGE FOR PASSENGERS
CHAPTER 61 - HEALTH INSURANCE COVERAGE
CHAPTER 62 - DISABILITY INSURANCE
CHAPTER 63 - SEEKING MEDICAL CARE
Totally Free Deals
g: 0 Posted By: skycriesmary
Views: 60 Replies: 2 I'm going from STD to LTD, and found out my employer will be keeping me on the books as 'inactive' as opposed to terminating me. I am not receiving health insurance through them once on LTD, so what's the benefit to them for keeping me on the books? I really don't think they hold out the hope I'll be able to come back to my previous position. It can't be to stop me from collecting unemployment as I can't while on LTD.

TIA for your feedback.
Discussion Deals
Medical charges from Mexico
Added on : Friday March 14th 2014 12:00:07 PM
g: 0 Posted By: CheapBustard
Views: 144 Replies: 3 Need advice on how to deal with unexpected bills from Mexican Ambulance. While on vacation in Cabo San Lucas in Dec of 2012, my mother-in-law had a medical emergency. She was on a boat that took myself and my kids to para-sailing boat and her finger got jammed between the two boats when they came together. Both boats belonged to a well-established local beach activities company. Her nail and a small piece of bone got sheared off, there was a lot of blood and pain. On the shore people in uniform (may or may not have been police) called ambulance. Ambulance people told us they would take us from Cabo San Lucas to San Jose del Cabo (probably 50 km away) to a clinic. When I questioned why we needed to go that far I was told that this was the only clinic that could do a surgery that was open at this hour. At that clinic (turned out to be private) doctors performed a surgery and requested us to pay everything in full on the spot. I was surprised that the activities company did not step in and took care of it, basically leaving us on our own. So my in-laws paid the bill (about $3,000 USD) that included $450 for the ambulance. Back in the US they got partial reimbursement from their insurance. About 10 months later they got their first letter asking them to pay roughly $3,000 USD. The letter had their correct address but their names were horribly misspelled. I was sure that was the same bill they got originally and told them to toss it since they already paid it. Letters kept coming and after looking more closely I figured that this was a new bill, just for the ambulance part. This was never presented to them and they were never told there would be an additional charge forthcoming. I'd like to ask for advice on what to do in this situation - should they ignore it, should I contact the company that is sending the bill, should I ask to verify the charges or should I wait until this gets sold to collection agency? Or should they go to a lawyer? BTW, my in-laws have very limited English so it would have to be me doing whatever it is needed to be done. I apologize for the long story, but I wanted to provide as much info as I can. I will attach images of receipts and bills.
Personal Finance Deals
Sears buy one pair of glasses and get one pair free
Added on : Friday March 14th 2014 12:00:03 PM
g: 0 Posted By: puggle
Views: 93 Replies: 0 Buy one complete pair of eyeglasses (frame and lenses) and receive one complete pair free - same prescription. First pair must be of equal or greater value to second pair. Valid prescription required. Varilux lenses excluded. Valid at participating locations. Cannot be combined with other offers, discounts, vision or insurance plans, previous purchases or prior orders. Not valid in OK and PR. Void in La Jolla and El Cajon, CA and where prohibited. Some restrictions may apply. See optical associate for details. Associate: apply discount to lenses. The Sears trademark is registered and used under license from Sears Brands, LLC.Offer ends 4/3/14.

http://www.searsoptical.com/en/so-us/sears-optical-coupons/
Clothing Deals

Sears Coupons
Free Kindle Book - Winning and Settling Your Personal Injury Claim
Added on : Friday March 14th 2014 05:00:11 AM
g: 1 Posted By: remick
Views: 172 Replies: 0 http://www.amazon.com/gp/product/B00I3LIXAC

5.0 out of 5 stars (7 customer reviews)

This book will empower you with the tools you need to understand how personal injury rights and obligations arise. It will give you the tools to understand how personal injury claims are evaluated and the tools to negotiate your settlement or take the case to trial if necessary. All types of injury accidents covered from traffic accidents, to slip and falls, to dog bites and anything you can think off. You will know what to do in all types of personal injury claims and you will know how to win your personal injury claim in small claims court.

Know what your rights are after an accident
Know when you have a case
Know how to boost the value of your claim
Know how insurance companies evaluate cases
Know the dirty secrets insurance carriers don't want you to know
Know how to gather your evidence
Know what to do with the insurance questionnaires
Know what mistakes to avoid in gathering and preparing your evidence
Know how to present your small claims case in court
Know what dirty tricks insurance companies use in small claims court
Know how to prepare for your small claims hearing
Know how to get a fair settlement with the insurance carrier
Know when and how to hire an attorney

98 Chapters Total:
CHAPTER 1 -INTRODUCTION
CHAPTER 2 - WHY INSURANCE COMPANIES WANT TO SETTLE
CHAPTER 3 -WHY INSURANCE COMPANIES WANT TO SETTLE WITH YOU
CHAPTER 4 - DISCLAIMER
CHAPTER 5 - PURPOSE OF PERSONAL INJURY LAW
CHAPTER 6 RESPONSIBLE PARTIES
CHAPTER 7 - THE BIG PAYOFF MYTH
CHAPTER 8 - OUTLINE TO SETTLE YOUR CLAIM
CHAPTER 9 - WHO CAN BRING A PERSONAL INJURY CLAIM
CHAPTER 10 - PERSONAL INJURY CAUSED INTENTIONALLY
CHAPTER 11 - ROAD RAGE INJURY CLAIMS
CHAPTER 12 - UNINTENTIONAL INJURY CLAIMS
CHAPTER 13 - TRAFFIC ACCIDENTS
CHAPTER 14 - SEAT BELTS, BABY CAR SEATS AND HELMETS IN ACCIDENTS
CHAPTER 15 - BICYCLE AND MOTORCYCLE ACCIDENTS
CHAPTER 16 - PASSENGERS IN CAR ACCIDENTS
CHAPTER 17 - COMMERCIAL VEHICLE ACCIDENTS
CHAPTER 18- PUBLIC ENTITY VEHICLE ACCIDENTS
CHAPTER 19 - SECRETS INSURANCE COMPANIES DONT WANT YOU TO KNOW- DUI OR DWI DEFENDANTS
CHAPTER 20- TRAFFIC ACCIDENTS WHEN YOU HAVE NO CAR INSURANCE
CHAPTER 21 - NO DRIVERS LICENSE
CHAPTER 22 - FOREIGNERS AND UNDOCUMENTED WORKERS CLAIMS
CHAPTER 23 - DOG BITES
CHAPTER 24 - INJURIES CAUSED BY ANIMALS
CHAPTER 25 - WRONGFUL DEATH CLAIMS
CHAPTER 26 SLIP AND FALL CLAIMS
CHAPTER 27- TRIP AND FALL CASES
CHAPTER 28 - HOMEOWNERS INSURANCE
CHAPTER 29 - PREMISE LIABILITY
CHAPTER 30 - TOXIC TORTS- INJURY FROM CHEMICALS AND POLLUTANTS
CHAPTER 31- CLAIMS INVOLVING MULTIPLE DEFENDANTS
CHAPTER 32- OTHER NEGLIGENCE CASES
CHAPTER 33 - WORK ACCIDENTS
CHAPTER 34 - MEDICAL MALPRACTICE
CHAPTER 35 - DEFECTIVE PRODUCTS
CHAPTER 36 - PUBLIC ENTITIES
CHAPTER 37- CORPORATIONS AND OTHER BUSINESS ENTITIES
CHAPTER 38 - SPORT AND ENTERTAINMENT ACCIDENTS
CHAPTER 39 - CHILDREN
CHAPTER 40 - BURDEN OF PROOF
CHAPTER 41 - STATUTE OF LIMITATIONS
CHAPTER 42- INDIAN CASINOS
CHAPTER 43 - INJURIES ON MEXICAN AND CANADIAN SOIL
CHAPTER 44 - PROPERTY DAMAGE CLAIMS IN TRAFFIC ACCIDENTS
CHAPTER 45 - COMMON TYPE OF INJURIES
CHAPTER 46 - INJURIES REQUIRING SURGERY
CHAPTER 47 - CATASTROPHIC AND SEVERE INJURIES
CHAPTER 48 TYPES OF MEDICAL PROVIDERS FOR BODILY INJURIES
CHAPTER 49 - PROVING AN INJURY CLAIM
CHAPTER 50 - DEGREE OF LIABILITY
CHAPTER 51- SOCIAL MEDIA
CHAPTER 52 - OPENING A CLAIM WITH DEFENDANTS INSURANCE COMPANY
CHAPTER 53- INSURANCE CARRIER THREATENS TO CLOSE FILE
CHAPTER 54 - RESPONDING TO REQUESTS FOR INFORMATION
CHAPTER 55 - RESPONDING TO REQUESTS FOR INFORMATION FROM YOUR OWN CAR INSURANCE
CHAPTER 56- AUTO INSURANCE COVERAGE
CHAPTER 57 - SELF INSURED MOTORIST
CHAPTER 58 - INSURANCE COVERAGE IN NO FAULT STATES
CHAPTER 59 - AUTO COLLISION COVERAGE IN NO FAULT STATES
CHAPTER 60 - INSURANCE COVERAGE FOR PASSENGERS
CHAPTER 61 - HEALTH INSURANCE COVERAGE
CHAPTER 62 - DISABILITY INSURANCE
CHAPTER 63 - SEEKING MEDICAL CARE
Totally Free Deals
g: 0 Posted By: DaysFan
Views: 87 Replies: 0 https://www.groupon.com/deals/gg-neatreceipts-or-neatdesk-mobile-or-desktop-document-scanner


NeatReceipts or NeatDesk Document Scanners for Mac or PC from $89.99-$274.99 (Manufacturer Refurbished). Free Returns.In a NutshellScan and digitally store tax records, bank statements, medical records, insurance forms, and recipes; documents become searchable by keywordThe Fine PrintLimit 3 per person, may buy 2 more as gifts. Free returns. Does not ship to AK/HI/Canada/Puerto Rico. Most orders are delivered within 12 business days from the purchase date. Does not ship to PO boxes. See return policy.Must pay applicable tax and provide name and shipping address at checkout, which will be shared to facilitate shipping.6 month warranty from Neat Receipts. Goods sold by Groupon Goods. See the rulesthat apply to all dealsThe Deal

NeatReceipts mobile scanner and Digital Filing System (manufacturer refurbished), available for Mac or PC
NeatDesk desktop scanner and Digital Filing System (manufacturer refurbished), available for Mac or PC

Any price comparison is to a new, non-refurbished product price.Neat Desktop and Mobile ScannersNeat's scanners and Digital Filing System help to turn copies of bank statements, tax forms, medical records, and other valuable papers into organized digital files. Once you've scanned documents, you can automatically sort them by type, and you can use keywords to search the Neat Digital Filing System for important paperwork, tasty recipes, or the schematics to your super-secret blanket fort. The compact scanners can convert documents into color, grayscale, or black-and-white digital files with a maximum resolution of 600 dpi.NeatReceipts

Mobile scanner and digital filing system
Stay organized at home or on the go
Includes Neat software
Identifies, extracts, and organizes key information
Scanned documents organized in Neat Digital Filing System
Receipts become digital records with vendors and amounts
Business cards become digital contacts
All documents become searchable by keyword or basset hound
Ideal for tax records, medical records, insurance forms, and recipes
Fully USB powered
Maximum resolution of 600 dpi
Scans in color, grayscale, or black and white
Speed: 34 receipts per minute
Six-month warranty from NeatReceipts
Condition: manufacturer refurbished
Dimensions: 10.8x1.6x1.3; 10.6 oz.

In the box: NeatReceipts scanner, USB cable, AC adapter, calibration paper, dry cleaning paper, alcohol cleaning paper, instruction manual, and installation CDNeatDesk

High-speed, duplex desktop scanner
Includes Neat software
Identifies, extracts, and organizes key information
Scanned documents organized in Neat Digital Filing System
Receipts become digital records with vendors and amounts
Business cards become digital contacts
All documents become searchable by keyword
Ideal for tax records, medical records, insurance forms, and recipes
Scans up to 50 pages per load and 24 pages per minute
One- or two-sided scanning
Maximum resolution of 600 dpi
Scans in color, grayscale, or black and white
Six-month warranty from NeatReceipts
Condition: manufacturer refurbished
Dimensions: 10.8x7.5x7.3; 4.4 lbs.
Includes AC power adapter

In the box: NeatDesk scanner, USB cable, AC adapter, calibration paper, dry cleaning paper and alcohol cleaning paper, instruction manual, and installation CDClick here to view additional specifications for each option.How to get your goods: by purchasing this Groupon and providing your name and shipping address, your order is complete!

For questions pertaining to this deal, please visit the deal Q&A on this page. For post-purchase inquiries, please contact Groupon customer service.

Electronics Deals

Groupon Coupons
g: 0 Posted By: CindyLouWho2
Views: 54 Replies: 0 Test Drive a 2014 Cadillac By 3/31 & Rec A $100 Visa Prepaid Card While Supplies Last
Test-drive a 2014 Cadillac by March 31, 2014, and receive a $100 Cadillac Visa Prepaid Card while supplies last. To be eligible, test-driver must be 18 years of age or older with a valid drivers license, show proof of insurance and ownership of a 2004 or newer non-GM vehicle

http://www.cadillac.com/current-offers.html?x-zipcode=12919
Insurance Brokerage
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: langberg
Views: 0 Replies: 0 Hi,

I was not sure if this should go in "off topic" or the "finance" forum, but it is regarding insurance and becoming a small broker for business to business dealings. I am an independent insurance agent and I currently only sell supplemental insurance for Aflac, it fills in the gaps where health insurance and other insurance do not cover. However, I do want to expand my product offerings, namely ones that offer the following:

1. Life Insurance
2. Dental
3. Long Term Disability

I am looking to represent the most honest and fairly priced companies, as I have already found that Aflac is the best in their field and I am proud to represent such ethical insurance company (they've been recognized in Ethisphere's list of World's most Ethical Companies since the inception). Any suggestions on great companies for those 3 types of insurance?

Thank you,
Jon
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Obamacare-Smarties-Cat---Mouse-Healthcare-...

Obamacare For Smarties helps you choose a health plan so you don't buy more insurance than you need - or less.

But it's not just another guide to the Affordable Care Act "for dummies" - nor does it dwell on the politics of Obamacare, which can distract you from your best choices to comply with the law while protecting yourself and your family.

In addition to helping you determine any benefits you're entitled to under Obamacare, it also guides you on how to deal with your insurance company - from understanding what their plan does and doesn't cover to appealing denied medical claims. It helps demystify insurance so you get the full value of what you're paying for.
Totally Free Deals
Madza5 new verses used 2013. WWYD?
Added on : Wednesday March 12th 2014 10:00:14 AM
g: 0 Posted By: doublePie
Views: 0 Replies: 0 Normally I'm just a lurker, but would appreciate another set of eyes on this and have seen similar posts here before without anyone getting too offended so here's a try.

Im currently looking into buying a lightly used Mazda5 in the next five months. My husband and I have a two year-old and are expecting our second this fall. The high mileage 2000 Corolla I currently drive has been good to us but it is time for an upgrade. We also have a dog, go on short road trips frequently, live in a ruralish area (lots of driving to everything), and can afford it.

Our credit union is offering 2.9% financing on anything wed consider. Mazda only offers 0.9% financing on 2014 models. FICO is 800 +/- 20. Down payment could be as much as $9K but Id like to do less (like $4K) given current interest rates. Budget is up to $300/month for 48 months in addition to reoccurring costs of full coverage insurance, local annual personal property tax, and decreased gas efficiency. Id like to pay cash but at total interest of well under $1000 even at the very worse, it is worth it to me to buy it now instead of toting around two adults, a toddler, a newborn, and a dog in an old Corolla.

That leaves me with a Target purchase price of $18,000. If we do our shopping in DC, we can reasonably expect to pay just under $16,000 for a 2011-2013 with 30,000 miles and a clear CarFax from a dealership.

The wrench here is that we went to check it out at the local dealership. They had a new 2012 that they would sell for about $18,000. I test drove it Saturday evening and it was sold before my husband called on Monday morning to drive it himself. They asked if wed consider a 2013, but the numbers were just getting too far out of range. They asked what wed consider it at, I said $18K, they countered at $18,800. That is, admittedly, a very nice price on that car. KBB says that the average price paid is $19,867 (base model with automatic transmission). But we can pick up a used one under $16,000. The new one would come with a 36 month warranty. It's a four hour trip to DC for a used one and would blow a weekend, but my parents live in the area so we wouldn't have to make it in one day and they could see the grandbaby.

Is there anything Im missing? Anything else I should be considering? I'm really leaning towards used but the local dealership getting the new 2013 to under $19K has given me something to seriously consider.
Dental Insurance: Coordination of Benefits and Subrogation
Added on : Tuesday March 11th 2014 09:00:10 AM
g: 0 Posted By: EugeneV
Views: 141 Replies: 2 My wife and I both have dental plans at work. Our children are covered by both plans. Both plans follow Non-Duplication COB. This means that my wife's plan is primary sice her birthday comes before mine in the year (yep, the industry standard is that ridiculous), and my plan applies only when hers does not. Her plan has no out of network benefits, while mine does. However, her plan covers orthodontics for children at 50% with no lifetime maximum. My plan covers it in network at 100% with $50 deductible, but 2k lifetime maximum. Actually, this was the only reason I signed up for the plan to begin with, hoping to use up the 2k first, before her plan kicks in.

I called the plan to verify that it would pay in this situation, and I was told that no, as the secondary plan, they would not pay until annual or lifetime maximum under the primary plan is reached, and since it will never be reached, the secondary coverage will never kick in. This does not sound right to me, but assuming that this is correct, I asked what if I go to an orthodontist who is in network for my plan, but not in my wife's. In that case, I would have no benefits under the primary plan and would assume that the secondary would kick in? The rep told me that it would not, but I asked for the supervisor to double check. Then I was told that the orthodontist would still need to bill the primary, get a rejection for being out of network, and only then bill the secondary and forward the rejection to them. That's a lot of hassle.

Does the above sound right? Do I have the responsibility to establish this subrogation? Presently each plan is unaware of the other, and I have not yet had any reason to submit any claims to both.
Personal Finance Deals
Any NYC health insurance plans with out of network coverage?
Added on : Monday March 10th 2014 12:00:05 PM
g: 0 Posted By: rpi1967
Views: 93 Replies: 1 Single New York City part time worker needs a health insurance plan with out of network coverage.
Really need information about a plan for NYC, but please not commentary.
Have tried to get info on the web and, NY state exchange but this info is obsured. Insurance reps are not help probably on purpose.

Perhaps someone has a plan that covers out of network coverage and can tell us. TIA
Question Deals
door ding in parking lot, but I have other car's plate
Added on : Saturday March 08th 2014 01:00:09 PM
g: 0 Posted By: civ2k1
Views: 225 Replies: 6 I was parking in a parking structure this afternoon and there were no spaces available after driving all the levels. On the way down I found 1, but the guy was parked over the line.

I only planned to be gone for about 20 minutes, so it would be quick.

I was able to park leaving reasonable space on one side (where the neighbouring car that was parked in his space wasn't inconvenienced), and I climbed out of my car on the passenger side.

I took a couple photos of the car over the line and his plate just in case (should have listened to my inner voice and just not parked there).

Anyway, I just got back to my car and there's a pretty serious door ding (door panel is creased). I guess technically I can't prove it was that guy since I didn't see it happen. Should I waste my time reporting to my insurance (I'm assuming they can track the guy down based on the plate) or just suck it up because reporting to my insurance won't help and I'll end up with a claim on my record?

And I know, I was probably asking for it by knowingly parking there. Let's move on from that.

Edited to add: quite likely the door that hit me is a rental car, not sure if that helps, hurts, or doesn't matter. And I don't know how to post pics from mobile, but will do so later.
Discussion Deals
Home Owner's Insurance Options
Added on : Saturday March 08th 2014 03:00:08 AM
g: 0 Posted By: jimates
Views: 81 Replies: 0 My sister talked me into this deal.She took out a bridge loan to buy a second house in another community. I am buying her old house in a rent to own agreement.
Her insurance company said changing the status of the property to rental would increase the insurance rate from <$400 to >$800. Reducing the coverage by >50% would only save $182 a year so not a good option. I could get my own insurance but that would not satisfy her loan requirements.

Any viable options out there for insurance coverage at great rates.

State of PA
Changed from Allstate to Erie for super savings after Katrina (all major carriers had significant increases).
House appraised at $77k
Insurance coverage of $175k (replacement costs)
Reducing to $80k would only save $182 a year
Real Estate Deals
Deducting your full umbrella premiums as a landlord
Added on : Saturday March 08th 2014 03:00:07 AM
g: 0 Posted By: SangioveseW
Views: 42 Replies: 0 The standard advice is that landlords can deduct the small portion of the umbrella premium that your insurance company says is attributable to your rental property, as there is usually a rental property surcharge. What about taking the position that the only reason that you even have an umbrella policy is because you are a landlord and you otherwise would have never purchased such a policy. This way, you should be able to deduct the entire premium. Is this too aggressive of a position for a relatively small gain (although it goes without saying that it becomes more attractive to people with larger and more expensive umbrella policies) or do people think that it's reasonable?
Real Estate Deals
question: auto accident/ contesting repair estimate
Added on : Saturday March 08th 2014 01:00:05 AM
g: 0 Posted By: rasheedaas
Views: 64 Replies: 0 Pulling out of a parking space, I pulled into the path of a vehicle. My fault. I checked my mirror, but did not check the blind spot.
Cop was called, ticket and points issued to me.

I looked at the other vehicle, she had a few scratches on her bumper, no dents, a few scratches.
I'm thinking I got off light, and told her let's do this without insurance.
so she sends me an estimate of over $1000. cuz she needs a new bumper.

I don't think she needs a new bumper.
I now have the option of going thru my insurance company and higher rates.

but I'm wondering is there no way to contest this estimate?
Isn't there some standard of reasonableness?

suppose she decides she needs a new paint job, cuz the new bumper doesn't match? Am I responsible for that too?
Personal Finance Deals
Wife hit parked car (w/pic...of car)
Added on : Friday March 07th 2014 07:00:06 PM
g: 0 Posted By: Table83
Views: 77 Replies: 2 Wife hit an '05 Corolla. Picture is attached. Car insurance information was exchanged.Car owner got a quote for $575 from a shop. Didn't see the paperwork for the quote, but says that she has it. Not dented at all, just scratched but says bumper needs to be removed to be painted. I've seen whole bumpers replaced for less than this. Car owner says she has a friend who will do it for $400. (Is this still realistic?)

Assuming this is a realistic number, I'd prefer to just pay the $400 out of pocket. My deductible is $500 anyway. (This really is a lot of money for my family because I make $45k/yr and we have 3 kids. Wife doesn't work.)

What steps do I need to take to cover my back? Standard "Payment in Full" disclosure on the check? Anything else? Am I missing something?
Question Deals
Protecting Assets Accident Exceeds Insurance
Added on : Friday March 07th 2014 07:00:13 AM
g: 0 Posted By: PersonOfDisinterest
Views: 63 Replies: 0 Hi,

I've been reading this forum for a while but this is my first time posting. I was recently in an auto accident. (I was making a left turn, the other guy sped up and ran a red. No witnesses though and California so I'm default at fault). I thought I had enough insurance coverage but it looks like it's going to exceed my limits (yes I should have had umbrella coverage). I w as wondering about protecting what little assets I have in negotiating a settlement should it come to that.

Summary:
New Wife just had a baby - on maternity leave
I work film production - job will go on hiatus soon (hope to land a pilot)
Together we will make about 80k a year when she goes back
Daycare 11k a year
We have some money saved in her 401k and my Roth.
Some money in regular stock. Not enough for a house payment though
Several thousand in credit card debt at 0%

My question is what is an insurance company capable of digging up when they determine my ability to pay and how worth it it is to negotiate with me. Should I gift stock to my baby, wife, or parents? Is there anything else I can do? How do I go about settling this sort of thing as well as I can without making it so my kid can't go to college? (And yes I'm getting recommendations for lawyers)



Personal Finance Deals
$51k in bank, 24 years young... time to buy my own pad?
Added on : Thursday March 06th 2014 04:00:10 PM
g: 0 Posted By: tol835
Views: 209 Replies: 6 I have been racking my brain about the idea of buying my own place... please read on if you are also pondering this or have something to contribute!

I live in Chester County in Pennsylvania. I have 51k in savings, 7k in other fairly liquid assets (Also it is stuff I could part with) not including my car, and 12.5k in my 401k (current total contribution is 10%). My monthly take home is $3,106. I am currently paying $600 a month for a small room in a nice 2,000 sq. ft. three story townhouse worth about $260,000 with 2 other roommates that I tolerate but don't enjoy living with all that much. The one guy owns the place. EVERYTHING is included for the $600 and I am NOT in any type of contract. The house is 2 miles from the office which is the biggest benefit of living here. I have no other financial obligations besides my car and renter's insurance.I have a 2 year specialized technology degree and have been working full time in my career for 4 years at the same company.

I have looked at a few houses, and am considering purchasing a townhouse for around 160k, putting 20% down making the loan $128,000. In addition to annual property taxes of around 2-3k, I would likely have a monthly HOA fee of $125-$215.

I am very independent and like being in control and living with 2 roommates is starting to get very taxing on me. If I get lonely at my own place (Im not sure if this would happen or not) I could always rent out a room and also pay the mortgage off faster. Also, living with only one other person in the house who I can choose myself shouldnt be too bad if I vet and choose the right person.

Having said all that the obviously other choice is to rent a one (maybe two) bedroom studio apartment for around $800-$1,000 a month plus utilities so maybe $1,200ish. Thats double what Im paying now but would likely still be within 5-7 miles of where I work. The other big downside to this choice would be that I would be in a contract, so purchasing a house wouldnt be as easy when the time came. However, I would try to get a lease with an out provided I give the landlord a 3 month or so heads up.

Thoughts from the older and wiser would be much appreciated!
Real Estate Deals
Budget Car rental experience in Orlando (MCO)
Added on : Thursday March 06th 2014 07:00:15 AM
g: 0 Posted By: jplee3
Views: 8 Replies: 0 Hi all

Wanted to get some advice as to what I should or can do in light of a bad car rental experience at MCO. Besides a horrendous wait time (almost 2 hours) in line, the agent who helped me basically tacked on SLI (Supplemental Liability Insurance), and when I inquired about this, she said it's mandatory/required in Florida... I just emailed Budget directly about this, as I thought it was a bit strange, and they told me it's definitely optional and not required or mandated in the state of Florida. The same agent also misinformed me about tolls in the area, stating there would be no tolls where we were headed. Again, she was wrong as we passed two tolls that we paid for (I was prepared to pay anyway).

In either case, we either got an agent dumber than a box of rocks or she was being extremely dishonest and 'upselling' us on SLI to potentially get some commission out of it.

At this point, is there anything I can or should do about it? Obviously I signed the contract and trusted her word about SLI (but the issue is that she was either greatly misinformed or dishonest... I'm leaning more towards dishonest though). Even after I read in some states SLI is mandated but generally if you have your own insurance you *should* be covered. One of those things where, if you don't happen to know off the top of your head at the moment, you're kinda stuck...

Any advice? I've already emailed Budget initially to inquire as to whether or not SLI is mandated, and got their reply - just replied back stating my displeasure at this level of service.
Car Rental Deals
g: 0 Posted By: atikovi
Views: 76 Replies: 2 Just cause a glimpse of this on the news but in Daytona some woman, I guess trying to commit suicide along with her kids, drives a nice Honda Odyssey into the ocean. They are all rescued but I assume the Honda, mostly submerged,is a total. Does insurance cover deliberate acts like this, even if she is out of her mind? I'm guessing not, or we'd see a lot more of these events by people wanting to dump their cars.
Question Deals
Credit card with max rewards for Health Insurance payments?
Added on : Tuesday March 04th 2014 10:00:05 PM
g: 0 Posted By: brienNYC
Views: 47 Replies: 1 Are there any credit cards that offer rewards effectively greater than 2% CashBack for health / medical insurance payments on an ongoing basis?

I did a search but couldn't come up with anything. Thanks.
Question Deals
any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

Her doctors told her that she needed major surgery to remove the cancer, and that because of her weight and other health issues it would likely take quite a number of months to recover.

Although she explained to her bosses that she was diagnosed with cancer, and that she would need a number of months to recover after surgery, she was then fired from her job. It has now been more than 4 months, and she is still in an assisted care
facility, after being released, getting a major infection, and having to be readmitted to the hospital.

She has gotten a lot of financial help from various friends and family for the surgery, bills and other basic living expenses. She also finally signed up for unemployment, food stamps, etc., so that she can get some help
before getting back on her feet and finding a new job.

Trouble is, she has been told that she can't have more than $100 in her accounts, or she risks losing the benefits. When she gets a check from friends, she has had my Mom running back and forth to the bank, cashing the check, and then depositing small amounts under $100 to my sister's checking account so that she can write multiple, small checks to pay her bills.

My sister does not have Internet or a smartphone which might help simplify matters by allowing her to pay bills herself or something along those lines. She currently has a laptop and internet connection at the hospital, but says she would not use any sort of online system, due to not trusting computers with her personal information. Now my parents are down in Florida for a while, and it looks like my sister expects me to run back and forth to the ATM for her, so that she can continue to try to mail out multiple, small checks to pay her bills.

There has GOT to be a more efficient way to go about this, but the only thing I was able to think of was American Express Travelers Checks. Up until about 6 years ago, we always used them when we went on vacations. I was able to get them for free at our credit union. I was thinking perhaps I could get my sister a bunch of $100, $50 and $25 travelers checks when she wants me to cash a check, which she could then mail out to pay bills, and they wouldn't even show up on her account balances when they do an audit to determine her benefits. Trouble is, our credit union stopped selling them, which means I would probably have to drive to a bank and incur fees & such.

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
Personal Finance Deals
g: 0 Posted By: remick
Views: 133 Replies: 0 Prospect & Flourish: How to Conquer the "Weakest Link" in the Sales Process (a guide for sales professionals and job seekers) byKeith F. Luscher
http://www.amazon.com/Prospect-Flourish-Conquer-Weakest-professi...

In truth, selling is anything but easy. But for professionals who understand and practice this from the heart, selling is easier! It is more naturalit is the result of building relationships.

There is plenty of information out there on how to sell. But to truly flourish, you must first prospect. Everyone has to prospect. Most people
hate to do it, and we believe that the five most common reasons why sales professionals dont prospect enough are:

They dont understand the value of what they are selling
They have a fear of rejection
They dont know what to do or how to do it
They are not motivated
They have a personal difficulty to overcome
Do any of these statements describe you? If so, you are not alone.

Indeed, it all truly comes down to sales, which cannot occur unless you keep your pipeline full. After all: The number one cause of FAILURE for sales professionals and job seekers is lack of prospects.
While you have plenty of resources and options at your disposal to learn more about sellingbut there is not enough out there to help sales people confront their fears and overcome their personal challenges when it comes to prospecting.
Until now.

Introducing the all new fourth edition of an intense, peer-reviewed, time-tested book on prospecting: Prospect & Flourish: How to Conquer the Weakest Link in the Sales Process. Originally created for use in the insurance industry, Prospect & Flourish is a comprehensive guide to business prospecting in all its forms. Readers will learn how to:

Become a networking maven, and build connections and relationships with people from across town to around the globe.
Develop centers of influenceoften the cornerstone of a healthy client portfolio.
Master the art of referrals and introductionswhich begins with knowing the difference between the two.
Establish their own trusted board of advisors, who can provide expertise, counsel, and yes, referrals.
Become properly scripted, so they will know what to will say before they say it when it comes to engaging prospects in all types of situations.
Get their foot in the door at companies where they do not have any prior connection (our secret: Use a Wedge).
Learn about networking and referral groups, and how to make the best use of them not just for yourself, but for your colleagues as well.
Learn to properly use social media, such as LinkedIn, Facebook and Twitter to engage prospects by delivering value while building a professional brand.
And much, much more. This all new fourth edition contains nearly 300 pages worth of tips, how-to strategies and resources that will enable you to Prospect & Flourish continuously every day!

What is Your Return on Investment (ROI) in Prospect & Flourish?
Indeed, the return on your investment is fairly simple to calculate. While guarantees in many professional industries are difficult to extend, I guarantee this: if you adopt just a few approaches that you will learn throughout this book, you WILL see results.
If what you learn enables you to create at least one new client relationship, your investment has just paid for itself many times over.
Further: Look beyond your first paycheck for that single new client or job. What do you think will be the lifetime value of that one relationship? How much might you earn through serving that single entity over the lifetime of your career?
The payback on your investment grows exponentially.
Totally Free Deals
Home based daycare. Do I need EIN, business bank account, CC ?
Added on : Monday March 03rd 2014 09:00:09 AM
g: 0 Posted By: desikid
Views: 69 Replies: 0 We have recently started licensed home based after school daycare in CA. (bay area, Santa Clara county). Wife is primary license holder to operate daycare.
Any guidance on following is welcome.
1) Should we open separate bank account in name of daycare? What is the benefit of doing so?
2)For tax purposes, do we need to apply for EIN Or can we simply add expense/revenue during "married filing jointly" tax return next year?
3) For expenses, should we apply for business credit card? Or can we still use personal credit cards for business expenses?
4) We have daycare insurance from our home insurance company. Is LLC needed in this case?

Anything else should we consider?

TIA.


Personal Finance Deals
Double health insurance coverage? How does it work?
Added on : Monday March 03rd 2014 07:00:12 AM
g: 0 Posted By: youngconsultant
Views: 140 Replies: 6 I'm hoping you guys can help explain this- I have been reading a lot online and also called one of the insurance companies but didn't get a great answer.

Here is my situation- I am 23 and currently on my parents health insurance. It is a PPO+ with good coverage. See the attached image for specifics
My employer offers two different plans, one of which has a high deductible that would allow me to get an HSA through them.I want to get an HSA.See attached image 2 for specifics

How would the insurance work if I get my own high deductible plan with an HSA, and use my parents PPO+ as secondary coverage? Is it possible to use their plan as the primary instead?

From what I've read it's complicated and usually a headache, but I am interested in taking advantage of the tax savings that the HSA would provide me.

Also as a follow up question, do I have to get a HSA with the bank that the health provider uses? Or can I open it with anyone I choose to. They use JP Morgan which has a $3.75 monthly charge that I'd like to avoid.

I really appreciate any advice/input you guys can provide. Let me know if there are any important details that might be useful to know
Personal Finance Deals
Car insurance comparison sites?
Added on : Monday March 03rd 2014 04:00:08 AM
g: 0 Posted By: yurgreat
Views: 53 Replies: 0 are there any comparison sites that give you quotes on your screen?

I went thru http://www.insurance.comparisons.org/and entered my info.All I gotwere referral links to the big insurance companies where I had to enter my info again.
so basically they get their $ from referral links, plus they now have my info (probably to sell to marketing groups).

AVOID http://www.insurance.comparisons.org/
Discussion Deals
Looking for Advice on Affordability of Home Purchase
Added on : Sunday March 02nd 2014 09:00:07 AM
g: 0 Posted By: BillRHIT
Views: 182 Replies: 7 Hi all, I have run a lot of numbers and am on the verge of making an offer on a home. I believe we can comfortably afford it, but would like to hear others opinions and see if I have missed anything. I acknowledge that we don't "need" this fancy/large of a house, but I would prefer to buy our "dream home" now as opposed to buying an intermediary home and in 5-10 years moving up. We live in the midwest (not Chicago), so housing is cheap here.

My wife and I make a combined $250K. ($200 for me, $50 for her). My job is as stable as I could hope for. My income could fluctuate year to year, but should generally increase over time. I'm a new partner in a well established mid size law firm.

We currently live in a $140K home and owe about $80K on it. In addition to that $50-60K equity, we have $450K in liquid funds and $300K in retirement savings. Both of our cars are worth about 25K each and are paid off, and we have no debt other than the mortgage. We currently have a two year old son, and hope to have one more child in the near future. Our current home is too small for a second child. We spend $1000 a month on child care and will send our kids to the local public schools, which are very good.

Home would be 600K, maximum. Property taxes are roughly 5.5K annually with $500/yr HOA fees. With a 200K down payment and a 4.125% 30 year mortgage for the rest I figure the payment (all in) would be $2500/month.

Our net income is about $160,000. This accounts for taxes, health insurance, HSA contributions, and maxing out retirement savings. Obviously this would go up if we were to take on the larger mortgage.

Based on this, the mortgage described above would be ~19% of our take home pay. We would still have 300K in savings (provided our current home sells quickly, which we expect based on it being in great shape and the cheapest home in a desirable neighborhood/school district). I expect to spend about 20K furnishing the new home in the next few months.

Am I missing anything? Thanks in advance for your thoughts. I know many may think this is too much house, and I hear that, but you could spend it in worse ways, right?
Personal Finance Deals
Am I biting off more then I can chew in regards to a condo purchase?
Added on : Saturday March 01st 2014 08:00:06 PM
g: 0 Posted By: guy4167
Views: 0 Replies: 0 Single, 2 years out of college. I have been living at my parents house. Last year I made $44,350 including bonuses. I have been promoted since I started work and it is going very well. Good job working for a large corporation, but not where I want to be in terms of salary yet. I am in the profession that my career will be spent doing.

I have $54,000 at my disposal right now. No debt and I own a car worth about $6000 that is in good working order. Thinking of purchasing a 2 bedroom condo:

$179,000 asking price. (sold for $245,000 in 06)
$4400 property taxes
$300/month HOA

Puts me at a monthly payment close to $1400 between mortgage/taxes/HOA. Only taking home $2500 a month after taxes, health insurance, maxed 401k, etc.
Usps insurance?
Added on : Thursday February 27th 2014 09:00:17 AM
g: -1 Posted By: vickh
Views: 202 Replies: 3 Newbie online seller q:

Sold a htcphone for $100 on Amazon, buyer claims it doesn't work now . Was working fine and shipped priority mail w/insurance.

Who files the claim?

https://www.usps.com/ship/file-domestic-claims.htm


Question Deals
FSBO TX Contracts & Title insurance
Added on : Tuesday February 25th 2014 03:00:09 PM
g: 0 Posted By: ymarker
Views: 69 Replies: 0 Anyone sold a house on their own w/o a Realtor in TX recently?

I found a link to TREC forms here.For a typical single family home, I imagine we just need Form 20-11One to Four Family Residential Contract (Resale). Any reason to pick one title company vs another? Who pays closing costs in tx? How much earnest money is commonly asked for?
Personal Finance Deals
g: 0 Posted By: MISTERCHEAP
Views: 135 Replies: 0 FARR
10RR wyb Insync Probiotic 30ct. $10
1.50RR wyb Kellogg's Breakfast To Go or Special K Coffee House $1.49

15% off your transaction at Walgreens stores
(20% off nice!, well beginnings, and w brand)
one day only, 03/04/14
must be 55 years of age or an aarp member. proof of age may be required. discounts not valid on prescriptions, cigarettes, dairy products, liquor, liquor department items, phone cards, newspapers, magazines, stamps, gift cards, items or services submitted to insurance for reimbursement or where otherwise limited by law. also not valid toward prescription savings club membership fee.


Ad scan link http://images.iheartwags.com/ad_scans/2014/0302/walgreens-030214...
Health & Beauty Deals

Walgreens Coupons
High Deductible plan versus. Traditional plan
Added on : Sunday February 23rd 2014 02:00:05 PM
g: 0 Posted By: couponqueenabk
Views: 80 Replies: 0 I am trying to decide between the two health plans offered by my employer. I am married (30 yrs. old) with no kids. My husband will remain on his own plan, so I will opt for a single plan.

High Deductible-
Monthly employee cost - $111.39
Deductible - $3,000.00
Coinsurance - 0% after deductible (for hospitalization, emergency room and office visits). Preventative care is 100% covered (deductible does not apply).
Out of pocket maximum = 4,000
Note that the high deductible plan still gets the insurance carrier's negotiated rates.

Traditional:
Monthly employee cost - $189.98
Deductible - $500.00
Coinsurance - 20% after deductible, emergency room = $200 copay and 20% coinsurance; office visit = $20 copay; hospitalization = 20% after deductible; same preventative care as above
Out of pocket maximum = 3,000

This is very perplexing to me. Annually, I would pay about $950 less in premiums under the high deduct. plan. I feel that the simple answer is that if I plan on seeing the doctor 0-3 times per year (as was the case with me for 4 of the past 6 years), and assuming a doc visit costs about 100 bucks, I should pick the high deductible plan.

HOWEVER ---- My husband and I are trying to have a baby, so, in that case, we would probably want the traditional plan, correct (due to the lower out of pocket max and assuming deliver costs around 10k)?

Any thoughts? Am I missing anything in my rationale?
Personal Finance Deals
Amazon Free App of the Day - eWallet for Android (was $9.99)
Added on : Tuesday February 18th 2014 05:00:23 AM
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/gp/product/B006UW4OB8

4.4 out of 5 stars (45 customer reviews)
#1 in Appstore for Android > Productivity

Don't take risks with your passwords, account info, card numbers, or IDs. Keep them protected, secure, and easy to access in eWallet. Your passwords are very important - just think about it. All your money, your bank accounts, financial info, health info, credit cards, insurance, and everything else you need to keep private is protected by passwords. They're not just for email, Facebook and Twitter.

So when you're looking for a password manager, pick one you can trust.

eWallet, from Ilium Software, has been trusted by mobile users for over 16 years. With more than half a million users, in-house email support, and dozens of major industry awards, eWallet is your best - and safest - choice for your confidential information.

eWallet protects your information completely, with:
+ Secure storage for passwords, usernames, PINs
+ Strong 256-bit AES encryption
+ Secure storage for bank and credit card info
+ Time-out locks to keep your info safe
+ Live URLs that launch the websites you know, without the dangers of phishing emails or typing errors taking you elsewhere
+ An automatic password generator to create strong, secure passwords
Totally Free Deals
ACA ("ObamaCare") Payments for Fun & Profit
Added on : Sunday February 16th 2014 08:00:11 AM
g: 2 Posted By: EricGo07
Views: 172 Replies: 1 I recently paid a monthly health insurance (HI)premium by credit card, and was very happy to find that I received rewards for the payments. Nice, but it gets so much better than that:

I was able to pay 3 months ahead of time. My intent was really only to make payments convenient for me, but now that I know that payments can be time shifted, I can receive a discount of 10-20% by doing the following:

Wait for a juicy credit card offer that requires thousands of dollars of purchases within a short period to receive an award that amounts to a discount of 10-20%;
Set up my HI payments to not include the monthly ACA credit.
Pay months of HI to match the CC rewards requirements.

My example: My annual HI plan costs about $8000 a year.
I will pay it with a CC or three that offers say a 15% rewards offer
Presto! $1200 of rebate money.

This of course only works for people who can wait for the ACA credit.
Tax Deals
g: 0 Posted By: PatrickM213
Views: 21 Replies: 0 I was just hired as a truck driver in the oilfield. It's fairly dangerous work(aside from driving, I will be around many large objects that can explode or fall).

I've never purchased or concerned myself with things like disability insurance before and I am hoping to get some feedback on my options. My employer offers ADD insurance(1x base pay) with the option of purchase additional coverage, as well as optional short term and long term disability.

I'm single with no dependents, and currently no major assets(live in a travel trailer out in the oilfield). I am not so concerned about short term as I plan on having a significant emergency fund. If I die, so be it.. but I am concerned about the very real chance of being seriously injured(lost limbs, fingers, broken bones etc. A friend's brother lost an arm for example). My intention is to work in the oilfield for 5 years, not necessarily as a truck driver but in just as if not more dangerous contexts.

Suggestions, feedback and links to educational resources are appreciated!

Rates for additional coverage for me would be:
ADD:$0.07 / $1000 (Increments of 10k from$20,000 and $2 million. The maximum
coverage cannot exceed ten times your annual base pay)
STD: $.32 / $10 of weekly coverage (Up to 60% of base pay after 14 days. Max 24 weeks out of 12 months for same condition).
LTD: $.97 / 100 of monthly (If you meet the disability requirements and are unable to work due to sickness or injury after
180 consecutive calendar days, you may receive up to 60% of your regular monthly base
pay. Your disability coverage may continue until age 65, provided you continue to meet
eligibility requirements.)


Personal Finance Deals
Comprehensive auto insurance AND emergency fund?
Added on : Thursday February 13th 2014 07:00:10 PM
g: 0 Posted By: RunToday
Views: 63 Replies: 1 What's the point of paying a risk premium for comprehensive auto insurance if you can afford any repairs with your emergency fund?
Discussion Deals
Cancelled full coverage insurance a 10 am...hit a deer at 6:30 pm.
Added on : Thursday February 13th 2014 04:00:38 PM
g: 0 Posted By: kdbrich
Views: 87 Replies: 3 I recognize I cancelled it before I hit he deer. Its my fault and if I have no way of collecting...so be it. To be honest, its an old beater minivan that really isn't a big deal if its wrecked.

Just curious...anyone know insurance law? Are they required to cover the rest of the day? Do I get coverage until midnight? Or only until I made the fateful phone call?
Personal Finance Deals
New home construction the FWF way
Added on : Thursday February 13th 2014 11:00:08 AM
g: 1 Posted By: adamc
Views: 224 Replies: 1 Hi all,

I am about to embark on the construction of a new home. I want to apply FWF strategies to accomplish two major goals: First, and most obviously, I want to reduce the cost. Second, I want to extract cash out of the process to end up with no net money down.

My GC is willing to run the job until the house is under roof and weather tight and then let me take over as GC. If I get in over my head or have problems with a specific sub, he will help out. He will also allow me to get his discounts with suppliers. The reason for this strategy is two-fold. The lender wants a 1.5 point additional origination fee if I do true owner-builder, and the foundation and framing are aspects of the job that are outside my comfort zone. All of the rest of the jobs are things that I am comfortable either working with the subs or doing myself.

My primary cost savings strategies:

Sweat equity. As described above, I will do a lot of the GC work and a lot of jobs myself.
Shop hard. Take advantage of outlets, sales, rebates, etc. on appliances, cabinets, flooring, etc.
Gift cards for CC rewards and fuel points wherever possible.
Choose energy efficiency features that will reduce the overall cost of ownership (extra insulation, air sealing, etc.)

Extracting Cash Back out of the project is where I need a little more advice. My basic plan is to set up a business entity for the project. No, I don't want to try this. My goal would basically be to loan the money to the business for the down payment, and then have the GC sub completion of the job to my business. The business would then repay me for the loan with the "profit" from my sweat equity. At the end of the project, the business would have no net profit or loss after repayment of the loan.

In order for this to work, the house will have to appraise high enough to keep me below 20% LTV.

Outside of opening a bank account and possibly getting some contractors insurance, what snags does anyone see?

Adam


Personal Finance Deals
Pregnant daughter (minor) delivery not covered under insurance.
Added on : Wednesday February 12th 2014 03:00:21 PM
g: 4 Posted By: CptSavAHo
Views: 305 Replies: 11 Posting this for a coworker.

His daughter is 16 and pregnant. Insurance carrier is Aetna. Aetna has covered all of the prenatal visits. They dropped the bombshell on him that they will not cover the delivery 'unless there are complications' and did not elaborate very much on what qualified as a complication. Apparently somewhere in the insurance is a clause that in the case of a dependent becoming pregnant they do not cover the delivery and the grandchild is not eligible to have care provided under the dependent's plan. Its a big loophole now since ACA extends dependent care to 26 years old.. He didn't expect it and definitely does not want to have to shoulder the $20k+ of hospital bills. Medicare is out, his income is way too high. ACA appears to also be out since she is a minor. Former boyfriend is out for now, but might be on the hook at 18. There's about 3 months left in the pregnancy. Any advice on the best course of action? My advice was to get a midwife and try to deliver at home at significantly lower cost, then if it has a 'complication' to go to the hospital,

The only option we found for getting coverage would be for the daughter to release parental rights, but not clear if this would be effective before or after pregnancy, or how easy it would be to reverse down the road.

Link

Please no jokes, I'm going to refer him to the thread so he can join FWF and get help in his difficult situation.
Question Deals
Car accident, rejection 1, small claims win, rejection 2, ....???
Added on : Wednesday February 12th 2014 01:00:08 PM
g: 0 Posted By: Marlin1975
Views: 229 Replies: 3 ~~Ok thought this was going to take time but not be this mess so here Iam asking for outside opinions on something that happened in 2012.

In late 2012 lets say Bob was driving a 4 door car and sideswiped my car. The car belonged to Bob's girlfriend but he had permission to drive it. He said he was not at fault and tried to fight it. It was obvious he was at fault due to road layout and signs. His insurance company Penn National said they could not decide who was at fault, again it was very obvious.

I filed a complaint with the State Insurance Review. I knew it was a long shot but they said they can't help on deciding fault. So between what they said and Penn Nationals adjuster I sued Bob since he was the driver.

Went to small claims and I had the estimate, insurance rejection letter, and pictures of the road/signs/cars. The judge was very swift in deciding Bob was at fault, again its that obvious. He looked at the estimate and pictures and felt it did not sound obscene or out of line. He found for me for roughly $1600 plus court cost.

Bob said he would send me money himself and I gave him a copy of the official court record showing he was at fault to give to the insurance company. Bob sent $200 which covered the court cost. I never heard from him or the insurance company, this was late 2013 by now. So I gave time for holidays but they came and went with no one sending the payment for repairs.

I then send an e-mail to Penn National to the original adjuster and the general inbox. I gave them a month (over 30days). I do not hear back. I forward the original message back to them again saying this is well past due this time. I receive a message from a 2nd adjuster today. He now gives a 2nd reason for rejecting the claim. He states that their position is that their insured does not have coverage for this matter. I wrote back asking how that was since that never came up and this is a completely different rejection from the first.

That is where I am at now, just received their replay and sent my replay today.

Just in case anyone is wondering Bob is dirt poor. Bob's girlfriend may have some money but I sued him since he was the driver. Bob did have permission to drive the car as I spoke with her as she was trying to make a claim with my insurance, as you can guess they said no.I'm thinking my next course of action is file another clam with the State Insurance board since I now have a valid claim per the courts action. I don't have a copy of the insurance policy of the other driver so not sure if I can get that easily.

So what would you do next that I may be missing?


https://www.creditkarma.com/reviews/auto-insurance/single/id/pen...


Personal Finance Deals
Use FSA to reimburse new ACA reinsurance fee
Added on : Wednesday February 12th 2014 06:00:12 AM
g: 0 Posted By: Gman476
Views: 31 Replies: 0 As many of you may have noticed there is a new $63 per person per year tacked onto your health insurance bills now. This can be quite a bit if you have a spouse and dependents on your plan. If the fee is paid on your behalf by your company it is still treated as income to you (unlike health insurance premiums paid on your behalf by your company). I'm going to attempt to seek reimbursement on a monthly basis for this fee through my Flexible spending account. I researched it briefly and could not find any definitive information. I noted that insurance premiums are prohibited from being reimbursed through an FSA but this is clearly labeled a fee and not an insurance premium (or it would not be treated as taxable income to the recipient).

If anyone else has any insight on this then feel free to share.

Thanks
General Economics Deals
Starting a Curbside Recycling Business: A Journal
Added on : Tuesday February 11th 2014 02:00:15 PM
g: 17 Posted By: behr
Views: 3569 Replies: 46 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).

UPDATE as of 2/11/14: Got a domain that had free email so replace all mentions of the gmail account (facebook page, the survey, etc) with the new domain name branded emails.

Ordered the final surveys (again, 500 postcards to be distributed door to door [most likely IN peoples' door]).

Current expenses up to $242.46. (includes state LLC filing fee, postcards, an address stamp in case alot of folks want paper surveys, 1yr webhosting, and 3 months PO BOX rental)

Once the surveys arrive I will distribute them and wait several weeks for my 2 responses to pour in
Discussion Deals
Should I discontinue/downgrade life insurance
Added on : Tuesday February 11th 2014 02:00:14 PM
g: 0 Posted By: ecotesty
Views: 170 Replies: 5 I am7 years into a 20y termlife for $2M,I am 46, and payingabout 2k for this coverage. Iwas self-employed, with 2 young (8y & 13y now) kids, was building my asset base when I bought this first. Both of us work, have saved deligently, with all assets (401k+savings)-liabilities is about equivalent to $2M,=the payout if I were to die now.Recently accepted a fulltime position with a company paid termlife of $300k, I know insurance is front loaded to compensate for aging, so insurance company wins if I bail out now, but bigger question is, should I still hold onto the outside termlifewhen my asset base + company paid will cover any eventuality. Or should I keep this till kids move out ? Thanks for your advice.
Personal Finance Deals
Wait to get in better shape for term life insurance?
Added on : Tuesday February 11th 2014 02:00:13 PM
g: 0 Posted By: yorkie345
Views: 1 Replies: 0 My son is 27 years old and married expecting his first child in 6 months. He used to be in great shape throughout college but has slacked the last few years. He asked me today about getting term life insurance, which I told him is a must, and he inquired about getting a better rate if he was in better shape. When he puts his mind to something he has no problem achieving it. He's about 6' tall and 205 lb with some muscle but wants to drop 20 pounds of fat in the next 6 months before the baby comes. Would he get a much better rate for himself if he was healthier? What factors play into your rate besides age? His wife is very active and I could imagine her getting back to her prebaby weight in no time with nursing and knowing her very well.
Credit union violating laws in regards to credit life insurance
Added on : Tuesday February 11th 2014 09:00:22 AM
g: 0 Posted By: superdrew
Views: 157 Replies: 1 My wife went to get a loan yesterday on a vehicle, and had everything all approved and set. However when signing, they presented her with a life insurance option that they said was required (after the hard sell on gap, disability etc) She told them nicely to shove their loan paperwork up their ass, and left as they refused to give her a loan without the life insurance. I contacted a branch manager today, whom said the same thing, and I asked for it in writing, as I was quite sure that it was against the law. She then transferred me to someone else who said that it is not required, but couldn't explain to me why my wife was told that it was, and why they wouldn't issue the loan without it.

We have other options, so I don't really care about getting the loan from them, however the fact that they do this to less financially educated people is infuriating to me. I want to do something to change their practice.

I've contacted and filed a complaint with the NCUA, and my state insurance commission, but considering this is a medium sized credit union with thousands of members that they have pulled this crap on, I'm wondering if finding a class action attorney might be in order, and if so, how would I go about finding the best one in Michigan.
Personal Finance Deals
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
Advice Requested: Structuring Car Insurance in the Family
Added on : Monday February 10th 2014 06:00:16 AM
g: 0 Posted By: EricGo07
Views: 47 Replies: 1 Hi all,

I am seeking help in how to arrange car insurance within my family with a car that has both personal and business use.

Background:I live in NM, but will work in OR about 7 days a month. I want to leave a car I currently own in OR for that reason, although for other reasons too as detailed below. The car's business use will be reported to my self-owned business for tax purposes.
My daughter is a student in OR, set to graduate in May. Shewill take a job there as of ~ June. I presume that means she will becomean OR resident. In 2013 she was part of my 1040 tax return, and I claimed her as a dependent. I am unsure if her status will change in 2014.
I want to give her use of the car in the weeks I am not in OR, but I do not want her on my car insurance policy.

I am happy to sign the car title over to my daughter, but I presume that would interfere with my business expense.

Perhaps she can take title, but lease me the car periodically ? How would car insurance be handled ?

Thanks!
Personal Finance Deals
Employer refusing to give COBRA forms
Added on : Saturday February 08th 2014 06:00:12 PM
g: 0 Posted By: fasttimes
Views: 140 Replies: 2 A friend of mine recently got laid off. They told him they are downsizing but he thinks its due to his physical problems that are making travel difficult for him. They laid him off late Jan, and his doctor told him in early Feb his insurance was cancelled.

His former employer (who also doesn't seem to want to honor his contract and pay his severance) told him they won't give him the COBRA information until he signs some paperwork, which we assume is a general release of some sort.

Regardless of the first issues (possible ADA violation and breach of contract) the COBRA issue is unbelievable. He will probably have to lawyer up, but I wanted to ask if there might be a plausible reason for not giving him the COBRA forms.

Man I'm pissed.

Discussion Deals
Starting an LLC: A Journal
Added on : Saturday February 08th 2014 04:00:05 PM
g: 0 Posted By: behr
Views: 7 Replies: 1 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).
Discussion Deals
My parked car got destroyed.
Added on : Friday February 07th 2014 03:00:20 PM
g: 1 Posted By: freebirdy
Views: 91 Replies: 1 Came home to see my 2013 Accord dragged from its parking spot by a truck. It probably happened few minutes before I arrived, honestly I have no idea how the truck pulled my car from its parking spot.

What I need to pay attention to? Anything important that I may have missed?

Here are the details:

The car is financed by honda financial, insured by Geico with $500 deductible. I have gap insurance. I bought the car in Jun'13.

The truck is rental, the cop came and said that he will put "RENTAL" in the insurance box. He wrote down the truck's driver license info. I'll have a police report on Monday (and I need to pay $10 for it).
The cop called a tow away company and they took the car to their shop. Most likely my car is totaled, the truck was stuck and they caused a lot more damage when the cop directed the truck's driverto pull away from my car.

Pictures: http://imgur.com/a/FAG56

Discussion Deals
Repair or Total Car
Added on : Thursday February 06th 2014 03:00:09 PM
g: 1 Posted By: catbrf
Views: 87 Replies: 2 I am trying to figure out the best case scenario for a car insurance claim I filed today.

I live in SoCal and was driving down the 5 fwy when my 2012 Toyota Prius struck a piece of metal that looked like a trailer hitch in the middle of the lane. I was driving about 65 mph and was not able to avoid the object due to being boxed in by 2 cars next to me. It got dragged a few hundred feet before I was able to safely pull over on the shoulder to maneuver the object from underneath my car. I noticed sparks when it hit and oil dripping afterwards. I exited the freeway and drove to the nearest Toyota dealership repair shop. I figured with my Toyota maintenance package that if it was just an oil pan that was damaged it would be covered, but found out if you hit something it is not. They lifted the car and my engine/cross member sub-frame, side rail reinforcements, engine under cover, oil pan, front exhaust pipe and heatshield were all bent or damaged. The total estimate including parts/labor/tax is $7,000. I have insurance through Geico with a $500 collision deductible. I have been in contact with the adjuster who already saw my vehicle this afternoon and was offering that I pay only $250 to repair all the damage mentioned above, however he noticed a gash on my engine block that may or may not mean anything and I would forgo repairing that, which could run in the thousands thus 'totaling' the car. Or I can pay $500 deductible to have the repairs done and wait and see what the dealership says about the engine block, maybe its totaled, maybe not. I am not in the best financial shape right now and think having my car totaled is a better deal, here's why.
Car including maintenance package($1,295)/tax/license/fees costs me $30,000, I still owe $19,000, the adjuster did a rough calculation and said I would be paid out $23,500. So $30,000 - $23,5000 = $6,500 for 2 years of driving Prius. Since I still owe $19,000 and the payout is $23,500, that's a $4,500 gain. Then $6,500 - $4,500 = $2000 for 2 years of driving Prius (even better!).

A few questions:
1. How much will my policy premium go up after I file the $250 claim? $500 claim (engine block replacement/car total)?
2. What risk is 'gash in the engine block' from becoming a problem in the future if I just accept the $250 deductible?
3. Can I negotiate the maintenance package that's worth $1,295 in the total payout? I was told when I purchased it that it gets transferred with the vehicle? How about window tinting?

Also, there are paint scratches and a loose cap on the right side of the front bumper, the adjuster said if they repair it they would charge a 'betterment fee' because they feel it was already there and not part of the accident. Is there a way to get all of it paid for, it may or may not have been damaged during the accident.

Any experiences with these issues or advice is appreciated.
Personal Finance Deals
Looking for new vehicle......
Added on : Thursday February 06th 2014 10:00:18 AM
g: 0 Posted By: ZDog377
Views: 70 Replies: 2 My wife is soon to get an insurance settlement from an accident that she was in January of last year. We will have about $10,000 to purchase a vehicle with once it is all said and done. I'm looking for suggestions on what to get since we haven't purchased a car in a while.
Requirements:

- 3rd row seating (we will have 3 kids soon and one of the current kids is still in a car seat)
- Can pull a small trailer (4x8 size, just drywall and small stuff from Lowe's)
- Easy to repair. I do most things myself such as brakes and oil changes. I just don't want something that's known to need $5,000 of repairs at 100K miles.

We've looked at mini-vans and don't know which ones are good and which ones are not. There are lots of Chryslers out there, but not many Hondas and Kias.

Thank you in advance for the help.......
Buying a house with un-permitted additions
Added on : Wednesday February 05th 2014 05:00:17 AM
g: 0 Posted By: dk240t
Views: 77 Replies: 3 I was about to put in an offer to buy a house that has a finished basement that was done without electral/plumbing permits. The remodel was done over 10 years ago. Going by the property record and what the current home features are, there may be other remodels done without permit (bathroom number inconsistent, even ignoring the basement).

What is your experience buying a house with remodels/finishing done that should have been permitted/inspected, but was not. Issues closing? Issues with insurance not covering things? Recommended way to resolve (ignore, get inspected, etc.)?

The state is Georgia.

YANML. I am contacting a lawyer to discuss the details, liability, resolution, etc., especially considering all real estate issues are local. Anything you think I should specifically bring up with the attorney? Anyways, I am seeking professional help, but want to survey if FWF has useful experience.
Real Estate Deals
Seeking cheaper car insurance in CA (or is what I have good?)
Added on : Monday February 03rd 2014 08:00:16 AM
g: 0 Posted By: SFcapitalist
Views: 76 Replies: 2 I am with progressive and I have 2 paid off cars. One is a 2008 and the other is a 2002. I average about 12000 miles per year between both cars.

I received a renewal bill and the 6 month cost is $390 (about $67 a month). I have the most basic liability coverage (state minimum). I have an excellent driving record and I'm hoping to lower this premium cost. Anyone know what a good competitive rate would be in CA?
General Economics Deals
g: 0 Posted By: doctorofcredit
Views: 116 Replies: 4 Application link

Get approved for a new FlexPerks Travel Rewards Visa Card issued by U.S. Bank1between 1/31/14 and 3/7/14, and make a purchase by 3/31/14 and you couldearn bonus FlexPoints for every medal Team USA wins at the Sochi 2014 Olympic Winter Games, courtesy of Visa!PLUS!All bonus FlexPoints you earn are in addition to the 20,000 Enrollment Bonus FlexPoints youll get when you spend $3,500 within the first four months.2New FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Visa card applicants who apply between January 31, 2014, and March 7, 2014, at any participating U.S. Bank branch location, by calling 24-hour banking or apply online at flexperks.com/visapromotion, and are approved for either the FlexPerks Travel Rewards Visa Signature or FlexPerks Business Travel Rewards Card and make a minimum of one Net Purchase by March 31, 2014, can earn Sochi Olympic Bonus FlexPoints. FlexPerks Select Rewards and FlexPerks Business Select Rewards Visa Card cardmembers do not qualify for the Sochi Olympic Bonus FlexPoints, nor do employees who are on the Business Owners FlexPerks Business Travel Rewards Account. The amount of the bonus will be determined based upon the results of the 2014 Sochi Olympics. For every Olympic event in which the United States Olympic Team wins a medal, bonus FlexPoints will be awarded (Gold = 500 Bonus FlexPoints, Silver = 250 Bonus FlexPoints, Bronze = 100 Bonus FlexPoints). The official medal count is available atwww.teamusa.org. The Sochi Olympic Bonus FlexPoints are in addition to the one-time enrollment bonus FlexPoints and are not contingent on meeting a spend threshold. Please allow 6-8 weeks after the promotion ends on March 31, 2014, for Sochi Olympic Bonus FlexPoints to be credited to your FlexPoints account. If any part or all of the 2014 Sochi Olympics is unable to take place as planned for any reason, the amount of the bonus will be based upon the results of the 2014 Sochi Olympics that takes place as planned, or if the 2014 Sochi Olympics does not take place as planned, no bonus will be awarded.Return to Text2Subject to credit approval. One-time 20,000 enrollment bonus FlexPoints will be awarded when you are approved for a new FlexPerks Travel Rewards Visa Signature Card or FlexPerks Business Travel Rewards Visa Card and Net Purchases (purchases minus returns and adjustments; cash advances or other account advances do not qualify) totaling $3,500 or more post to your account within four months of account opening. Applicants for the FlexPerks Travel Rewards Visa Signature Card who only qualify for and receive a FlexPerks Select Rewards Visa Card will be awarded 10,000 enrollment bonus FlexPoints after Net Purchases totaling $1,000 or more post to your account within four months of account opening. Enrollment bonus FlexPoints for the FlexPerks Business Travel Card will only be awarded to the business account owner and not to employees. Please allow 6-8 weeks for your enrollment bonus FlexPoints to be credited to your FlexPerks account. Existing and previous FlexPerks Travel and Select Rewards accounts do not qualify for bonus FlexPoints.Return to Text3U.S. Bank will credit your FlexPerks Travel Rewards Visa Signature account with FlexPoints as follows. Yearly award level: For net purchases (purchases minus credits and returns) less than or equal to $120,000, earn one FlexPoint for every $1. If during the calendar year net purchases exceed $120,000, all FlexPoints for the remainder of the calendar year are earned at a rate of one FlexPoint for every $2. Exemption: FlexPerks Travel Rewards Visa Signature AutoPay Cardmembers who select the full payment option on the first available payment date after their statement date. FlexPerks Select Rewards Visa cardmembers will earn one FlexPoint for every $2. FlexPoints will be awarded as long as your account is open and not 5 days or more past due at the close of your Visa billing period. We will not award FlexPoints for advances, convenience checks, balance transfers, interest charges and fees, credit insurance charges, or transactions to fund certain prepaid card products. We reserve the right to adjust the number of FlexPoints for purchases or to stop issuing FlexPoints for purchases on the account, upon notice to you. Refer to the FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Cardmember Agreements for full details.Return to Text4FlexPerks Travel Rewards Visa Signature cardmembers may earn additional FlexPerks for purchases at merchant locations in one of the following consumer card categories: airline, gas or grocery (each, a category); and FlexPerks Business Travel Rewards Visa cardmembers may earn additional FlexPerks for purchases at merchant locations in one of the following business card categories: airline, gas or office supplies (each, a category). Cardmembers will earn FlexPoints at a rate of two FlexPoints for every $1 in the one category in any given monthly billing cycle that has the highest total of net purchases charged to the account (the highest category). In addition, FlexPerks Travel Rewards Visa Signature cardmembers will be awarded FlexPoints at the rate of two FlexPoints for every $1 in net purchases during the current months billing cycle for any merchant location that classifies itself as having telecommunication services/products. In all cases, U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for additional FlexPoints.Return to Text5FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Visa cardmembers will earn FlexPoints at a rate of three (3) FlexPoints per every $1 in Net Purchases and FlexPerks Select Rewards Visa cardmembers will earn FlexPoints at a rate of 1.5 FlexPoints per every $1 in Net Purchases during the current months billing cycle for any merchant location that classifies itself as a Charitable and Social Service Organization. U.S Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for additional FlexPoints. Bonus FlexPoints will be awarded within 60 days of donation.Use of the FlexPerks Travel Rewards Visa Signature Card and FlexPerks Business Travel Rewards Visa Card is subject to the terms and conditions of the FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Cardmember Agreements, which may be amended from time to time. This offer may not be combined with any other bonus offer. See complete credit card terms and conditions online at flexperks.com.
Deal Deals
Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
Property Damage Claim - Auto Wreck
Added on : Friday January 31st 2014 03:00:04 PM
g: 0 Posted By: rsimply
Views: 3 Replies: 0 State Trooper stopped by the house today to inform me that a lady crashed her caron my property and took out a mature Crate Myrtle. Wondering if its worth pursuing her insurance for replacement value of the tree. If so can anyone provide an guestimate of replacement value of a 15+ year old Crape Myrtle? As far as I could tell there was no other damage done.

For your enjoyment I am including footage from the security camera. I tried uploading it directly to fatwallet but I guess fatwallet doesn't support video attachements instead I uploaded it to youtube.
Car taking out Tree
New User Question Deals
Cord Blood Storage Services/Finance
Added on : Thursday January 30th 2014 07:00:08 AM
g: 0 Posted By: thepunkrat
Views: 94 Replies: 3 Hi Everyone,

I am having my first baby this year have been fortunate enough to have one during the time where stem cells exist in normal procedures where it can cure current incurable diseases such as Alzheimer, arthritis, and birth defects such as autism or Sickle cells and even certain cancers.

With this in mind, it is almost a given now to save the umbilical cord and its blood for insurance for my baby's future.
I called my insurance company High Mark Blue Shield and they told me that they do not know if the procedure to extract and process the cord blood and that it may or may not be eligible for preventive care. They did however mention that CordCell is partnered with them and have a discount of $350 if I have High Mark.

Then I looked into an FSA or HSA account and the guidelines were specific in which it is only reimbursable if the cord blood or the cord tissue is going to be used for a known disease or treatment in the future. I don't know how anyone would know unless the baby was tested before being born. And tests before being born as I was told is very risky to the baby.


My question is, out of your own experience, who did you ultimately go with, are you happy with their services and what were your methods of financing this?

Any information is much appreciated.
General Economics Deals
Neighbor's leak has caused property damage - difficulty getting resolution
Added on : Wednesday January 29th 2014 09:00:10 AM
g: 0 Posted By: udonoogen
Views: 133 Replies: 1 Hello Fatwallet!

I thought I might be able to get some advice on how to resolve this issue - which has been a lot more difficult to do than I originally thought.

The Story:
- I have a detached garage in my townhome complex. Above my detached garage, there is another unit owned by another neighbor, who rents it out via a property management company. His porch is directly above a portion of the garage.
- I live in Southern California. It's usually sunny but occasionally it really pours here.
- In Spring-ish 2013, it rained pretty heavily and caused the drywall in my built-in cabinets to collapse. Water damage turned into mold.
- I began the process of contacting the HOA, which in turn contacted the other owner. No response. It's not a big deal, since it's my detached garage, so it fell through the cracks with other life priorities (e.g. new baby).
- It rained again in September/October last year and water was draining out of my cabinet again. I contacted the owner's property management company and they sent out a contractor to do an estimate. I contacted them persistently since then and they gave me various excuses. They finally told me a couple weeks ago that the owner had postponed the repair due to lack of funds.
- I contacted my insurance agent and she said my homeowner's couldn't do much because they can't repair the source of the leak. The HOA claims they are only responsible for the roof (not the porch).
- I filed a Better Business Bureau complaint against the property management company yesterday and emailed their customer service, copying my HOA representative. Short of that, I'm running out of options to get this fixed (short of paying for his porch repair, myself).

Do y'all have any suggestions? I have a group legal plan through work but I understand I'll still have to pay for a portion of the attorney's fees. If I go to small claims court, do I get my attorney's fees back? If I call my homeowner's insurance (Mercury), would they fight for this on my behalf, since it is causing damage to my property? I am concerned about the black mold and (later on) resale value of this townhome when our family decides to move.

Thanks in advance!
Real Estate Deals
$7 In SYWR Points if you get an insurance quote From Liberty Mutual
Added on : Wednesday January 29th 2014 05:00:12 AM
g: 0 Posted By: remick
Views: 111 Replies: 1 http://welcome.libertymutual.com/shopyourway/
Surveys & Rewards Deals
FWF, Convince me not to be a part-time Uber driver
Added on : Tuesday January 28th 2014 01:00:12 PM
g: 0 Posted By: jd2010
Views: 133 Replies: 3 Alright, I figured this at the very least would get some lolz out of FWF, if not some good advice and start a conversation.
I am in a position currently with my job where I have some down time and am looking for easy and flexible ways to get out of the house and make some extra income. Ihave started researchingbeing an Uber driver part-time.

There are still a lot of things I need to flesh out, which is where FWF comes in... here is some info about my current situation:
The man: Works from home with significant flexibility re: when/how I get my job done.
The car: 2012 Sonata under warranty for another 3 years or 40k miles. Would get combined roughly 30 MPG. KBB is about 19k, paid for. I drive ~5k mi/year as it is, so I'd probably have about 25k free miles to burn over the next 3 years and still be under warranty.
The unknown:
Taxes (I have never itemized, so if I use enough gas to be able to in the next year, how would that potentially work out as far as deducting as biz expense, how about car depreciation?)
Insurance (Need to check with insurance co re: if I need additional coverage or if what I would be doing would be against their T&C)
Compensation (I have heard Uber's commission on rides is around 5-15%, depending, and that rates are somewhere around $1.50/minute, but that's all I know
Demand (I have no idea if I'd even get enough fares to keep me busy or make it worth doing. I live in a spread out city, but there are some hotspot areas where a service like this I assume would be in demand)
??? (This is where the FWF gurus will chime in with crap I haven't even thought of)


What am I neglecting to consider, is this a stupid plan? Are there better/easier ways to spend my time?


Personal Finance Deals
Requiring Tentant of a Store to get Insurance? (Landlord Question)
Added on : Tuesday January 28th 2014 09:00:12 AM
g: 0 Posted By: elptrainerny
Views: 88 Replies: 1 Investing in a storefront, which I plan to rent out. Do any other landlords have language requiring the tenant to get insurance and how is it phrased?
I was thinking of something like:

=10.0ptLessor shall maintain on the Lease Property adequate all risks Insurance Coverage including Public Liability Insurance. Landlord shall be a named insured. Tentant is responsible for keeping immediate area in front of store/entrances clear of debris/snow/ice/hazards and notifying landlord for conditions in need of repair.
Personal Finance Deals
g: 2 Posted By: jaytrader
Views: 234 Replies: 14 I'll be the first to admit that this is not directly related to finance, but rather indirectly. I just got hit by a potentially huge issue last night, after connecting some dots.

See facts below.

Fiancee's father opened LLC in her name in 2004 (she was/is the sole member) because the father is in a union and cannot have his own company (to bill out side jobs) doing the same line of work he performs in his union.
Fiancee and I are getting married toward the end of this year (2014). Fiancee's father recently contacted her to help him write up an invoice for a decently high valueside job.
I dug a bit deeper and realized no income has ever been reported on behalf of the LLC, nor has any of her tax returns shown business income. It is unknown if he's ever utilized the company for billing purposes before recently.
Her father claims he "gets a W2 from [his] clients and puts it on [his] tax return." Anyone with half a brain knows this is impossible (he's not a member of the LLC), not economical for the client(s) (1099 vs W2), and would prove that he's doing side work to his union if he were ever "audited" by the union.
I looked online last night, and the state government site says the LLC is "ACTIVE" and she is listed as the DOS Process contactand Registered Agent.
In my opinion, the fact that there is now an invoice with the LLC name on it shows that there was work done by the company and poses an insurance liability.
Based on what I know about her father, the company has no insurance at all.


I know damn well that I'm not paying taxes on revenue that I didn't see/create. Not to mention, there is possible tax evasion/fraud that has happened in the past (whether intentional or not, doesn't matter). Also, there is now a potentially huge risk/liability, should any of the work her father (or his laborers) performed become faulty or fail and cause injury or death.


Questions

What do I do? I want to protect myself (meaning, want her off the company before we're married) as well as her ASAP.
Is thererisk regarding the work failing and causing injury or death, or am I incorrect? If so, who's at risk? The company or her father directly?
Is there past tax evasion/fraud risk? She had no knowledge about his use of the company up until the last week. She knew she was once on the company, but was told last year that her father "thinks she's no longer involved."
Am I paranoid? I know people do this type of thing often, but involving your kids for ten years and then billing on behalf of the child's company (legally/technically) is shady (IMO, of course).


I am prepared to dissolve the LLC and let her father be butt hurt over it, if I have to. The alternative is to push off the wedding until this is resolved. I told my fiancee that I'm not going to willingly marry her when she's part of this. I know she would never do something like this intentionally, and she told me that she didn't know any better when she signed the paper work in 2004. However, she now knows, and I told her this could potentially be a huge issue for her and her father, should anyone get audited or his clients get audited.

Thanks in advance.

Personal Finance Deals
Income going up SIX fold - changes to expect?
Added on : Tuesday January 28th 2014 07:00:08 AM
g: -1 Posted By: ChelseaMD
Views: 221 Replies: 5 Hi guys,

I made a new username for this topic - I have been a member here for a while, but wanted to have a different username as my old one is tied to many accounts that could make my identity known, which for some reason, I would like to keep private for this topic.

I am currently a chief resident in a surgical sub-specialty at a terrific institution. While residency comes with great training, the pay is less than stellar. My average for the last five years was about 50k a year. I have had the benefit of being married to an attorney who makes a nice amount of income, about double my salary for the last two years. So we have not, by any means, had any complaints of living under poor circumstances and are very grateful to be in our position.

Through my 5 years of residency, I maxed out my Roth IRA each year, and my wife contributed the max to her TSP to have any equal match by her employer. Our retirement is on track with what we wanted to do, especially since after this year, we will not be able to give to a Roth any more. She was blessed to come out of college and law school with ZERO debt and no student loans. I came out of college with no debt, but have roughly 120k of medical school loans to pay back still. About half are locked into a 3.5-4% rate while the rest are at 6.3%.

We have rented the last 3 years (in a big city) and have a car that is fully paid. No credit card debt at all, all bills paid for 100% every month.

I just signed a contract with a private employer to start next year back near our hometown. The starting salary is roughly 6x what I made in residency with a bonus structure that takes it even beyond that. I was lucky enough to be offered a partnership position from day 1, with no associate years/trial years to decrease my flow of income if I work hard. Basically it is an assured salary with a bonus structure that pays me 100% for every cent I make over my salary floor. It also came with a signing bonus worth about 1/2 of my yearly resident salary and moving expenses to get us moved in to our new location with no cost to us. A true sweetheart deal that I cannot be more thankful for.

Now, my wife will have to leave her job, with no way to transfer as there is no government branch there to transfer to. The cost of living will be lower, so we have that to look forward to as well.

But now comes the great unknown, and I am unsure about a lot of things - I am 30, she is 29. We currently have no children, but plan on having them in the next year or two. We want to buy a place - either a condo or house close to the beach I will be working on. We will need new cars, new health insurance, new retirement planning, new child planning, etc. I assume a lot of our benefits will be done through my employer as I have started to look through it.

However, I ask the awesome FW community - what should I expect? Besides higher taxes, what should I do now that my net worth, etc is worth more than it ever has - and by a long margin. Are there important things I must do now? A will? Life insurance? All these things I am trying to learn about, but I cant seem to shake the fact that I am forgetting many things.

I thank you all ahead of time for whatever advice you can give.
Personal Finance Deals
g: 0 Posted By: idfubar
Views: 128 Replies: 2 RingPlus (Sprint MVNO) has announced a new "free" (ad-supported) plan for 2014 which will be available on 2/10 @ 8AM PST:

100 domestic minutes
30 domestic & international SMS
10 MB of data

Note that the terms of the free plan are strict (my 2013 plan was reclaimed without warning for insufficient use), different from the 2013 plan (people who have the 2013 plan have a different allotment and terms by which to abide), and that the plans are subject to change (increased allocation of resources and/or changes to terms and conditions); also, you can now add funds to your account to purchase something like insurance ("Free Card") - the $4.50 spent will keep your account from being yanked like mine was for one billing cycle (violations of the minimum use policy only).

PS: The thread for the "2013 Free" plan is posted at:

http://www.fullofdeals.com/forums/expired-deals/1294344/

PPS: The thread for the $1.99 plan which was announced around the same time (and some links to two older FW threads with details of inexpensive plans) is at:

http://www.fullofdeals.com/forums/hot-deals/1337239/
Services Deals
Going with online lender vs local lender, what am I missing??
Added on : Monday January 27th 2014 08:00:11 AM
g: 0 Posted By: Charles1
Views: 90 Replies: 1 We are buying our first home and picking the right loan is becoming very frustrating. We plan on moving again in 6-10 years (when our then children are of school age) and we would like to save $$ on interest right now.
Our lowest middle credit score is 692.

We were quoted 3.625% for the 7/1 ARM by both lenders. Buyer pays PMI, monthly, and those numbers are within $10 of each other.

We have a quote from a local lender who is affiliated with our buyer's agent:
Origination fee $700
Appraisal $450
Title insurance - lender coverage - $275
Title insurance (seller pays) owner's coverage $850
Closing/Escrow/ Settlement $325
Recording fee $100

I called a company similar to AIMLoan (US Wide Financial) and they told me they do not charge any origination fee. Their interest rate and monthly payment breakdown are identical (+/-$20) as the local lender. I told them our credit info, house price, etc and he said they can do all the paperwork now and lock it in, sounds like the same deal but $700 cheaper.

Am I missing something? Our buyer's agent told us most realtors "frown" on internet lenders like AIM Loan especially when they are used for pre approval letters.

Personal Finance Deals
GF's Insurance gone & pregnant - what are options? (lapse in coverage)
Added on : Monday January 27th 2014 07:00:16 AM
g: 0 Posted By: Muscle
Views: 0 Replies: 0 I'll try to keep this short. My (now 6 month pregnant) GF graduated college this past December. She was incorrectly told that her college insurance would continue until June of this year, but today found out this morning that it in fact expired almost 2 weeks ago. So, she's without insurance at all. She's working part time in the service industry but that's going to come to a halt soon as the pregnancy progresses.

We've been exploring options since we found out this morning, but I need to know what I can do ASAP.

She's applying right now to see if she's eligible for Medicaid, but after a phone call with them they said it would take a packet in the mail, followed by her filling it out, sending it in, receiving another packet with healthcare options, and sending that in. All in all this could take 1-2 months, so what can be done in the interim? She's can't go 2 months without insurance. Looking at options through the ACA website too.

As for me, I'm on personal health insurance through Anthem, so maybe I can add her on there if that's quicker? Will she get covered for pregnancy expenses as this is a 'pre-existing condition'?

I'm just trying to figure out options on how to get her covered ASAP as we have other baby appointments coming up and because, well, it's dumb to go without insurance. Literally just found out this morning that we were given incorrect information about her school's insurance duration.

Lastly, will any of these applications retroactively pay for appointments or other issues that come up prior to actual coverage? I thought I read somewhere some places will back-pay up to 3 months or so. My biggest concern is the lapse in coverage.

Thanks for any help. Somewhat panicking right now.
Allianz 222 Annuity?
Added on : Sunday January 26th 2014 08:00:07 PM
g: 0 Posted By: cabinjava
Views: 68 Replies: 1 I have a rollover IRA account recently. The problem with putting IRA money to mutual fund
or stock or money market is that it can go down significantly when market crashes and it
doesn't provide lifetime income.An insurance agent recommended Allianz 222 annuity
which appears attractive to me.It's like a fixed index product. It guarantees principle and
provides lifetime income. I wonder if there are readers of this forum who are familiar with
this product and would comment on this product and share any hidden risks to be aware of?
Question Deals
Debt Collection from Dr office
Added on : Sunday January 26th 2014 01:00:10 PM
g: 0 Posted By: ggmon
Views: 139 Replies: 1 Back in late 2012 my wife went for annual Gynecological exams at a Dr office in South Jersey. Its's 100% covered by insurance . She had the Pap-smear exam and was asked about any concern. So she complained about bloating since she heard on Dr Oz that cervical cancer can be the cause of bloating. Dr said in that case you could take a Ultrasound but no prescription was written. When the bills came they was addition bill of ~80 dollar with description Patient complaint in addition to several hundred dollars for Gyne exam which insurance paid and this was not covered.
My wife then called the billing office several times to clarify and could never get hold of one and left voice messages multiple times but never received calls.
When she received another bill due in May 2013 she again called billing office but same story. Then she called insurance and they said this visit is covered 100% and has also tried to reach the Dr's billing office.
After 8 months we get a bill from debt collection agency for the balance . She has contacted insurance agency and they said that this was due to question about bloating.Now this Dr office was bought by a hospital recently so billing agency has changed and they no longer handle old bills.
So we tried reaching Dr office and old billing agency and it getting no where.

Our principle is we shouldn't be paying for something we don't owe but don't want Credit History to be ruined.
FW'ers What do u think is the right course of action ?
How do we resolve this?. Is going to court an option?


Personal Finance Deals
Tax Planning Strategies, 2014
Added on : Sunday January 26th 2014 07:00:06 AM
g: 2 Posted By: EricGo07
Views: 179 Replies: 3 FatWalleters,It is the season to think about taxes even more than usual; and specific to this thread, tax planning. I thought it might be informative to read stories of how people reduce their tax burden(s). Im personally less interested in those that pick up receipts off the floor at drugstores or other fraud games, and more interested in legal long-term tax reduction strategies. No doubt, circumstances differ and what works for one person will not work or be available to another. Even so, being able to consider is that something I could do too? is worthwhile.A note about SS: I have posted in another thread the mechanics behind SS payback. Please refrain from discussing general SS opinions in this thread, although I completely understand if a person embarks on strategies to reduce SS payments. Im one of them, since I have passed the second inflection point.



My strategies are for small business operations. Summary of the 2013 tax year:
~ 225 - 250k income + Roth conversion
Total taxes (SS+Fed+State) ~ 7,500 all SS

My business is organized as an LLC and taxed as an S-corp. My wife and I are the employees.The business had the following expenses that reduced pass-through profit:
1. Defined Benefit pension plans for each of us. This year > 100k contributed
2. 401(k) contributions to each of us as 6% of W-2 wages
3. Travel expenses (reportable amount is ~ 3x actual cost)
4. Health reimbursement account (HRA)
5. Accounting/Actuary costs ~ $3000
(1-5) cancel fed, state, and SS.

6. 401(k) employee contribution for each of us
7. IRA contributions for each of us.

The mojo behind the final tax liability is a combination of the defined benefit (DB) plan and W-2 wages calculated to be as low as possible to cover our home, and income requirements of the DB plan.Going forward, I plan to manipulate my AGI so that the maximum tax savers credit can be utilized to convert IRA savings to Roth without cost. My low combined W-2 has the additional benefit of maximizing my federal ACA credit for health insurance.
Tax Deals
REQUEST - Advice Regarding Roundtrip RV Rental From PHX to MD
Added on : Friday January 24th 2014 03:00:17 PM
g: 0 Posted By: Sandybargains
Views: 41 Replies: 0 I know I will probably get blasted for even THINKING about doing this but....... My husband and I are considering renting a RV to drive from Phoenix to Maryland. We are takingan 11 year old and a dog. We have NEVER rented an RV before. We had planned 5 weeks for this trip during the summer and hope to visit with family. I have started looking into renting a RV and I have a million questions. What size RV is big enough but easy to drive? Should we getour owninsurance or shouldwe find a place which includes insurance in the rate/per day? How often do you use the generator? - I notice most companies charge by the hour to use the generator. I'm guessing in the summer we would need to use the generator a lot for A/C?Are there any companies that have real unlimited mileage and not a price per mile? Do most companies have 24/7 road service? Can anyone recommend a reputable RV Rental Company?Advice? Suggestions? Are we crazy for attempting this?We would like to make some nice memories ..... not nightmares. Be bold - tell me like it is....... I can take it. Thanks!
Requests Deals
Variable Universal Life
Added on : Thursday January 23rd 2014 06:00:04 PM
g: 0 Posted By: PF2014
Views: 35 Replies: 0 Hi FW...I posted another thread about my PF and the community was SO helpful...I now humbly come to you once again for your help. I'm not really familiar with Life Insurance and have done some research, but it's a hard concept to wrap my head around with all the different options/choices out there....My wife's family started funding a VUL for her when she was 17 and later on, she took ownership/responsibility of the funding. After we got married, I took a look at her statement. She contributes $70 a month and looks like there's a $30 charge deduction monthly.

I did some quick research and it seemed for the most part, VULs are not too favorable. She is 32 years old and we don't have any kids but are planning next year.Since she's contributed for 15 years now, is it worth it to continue or should we look somewhere else?

App Signed Date:04/01/1999
Maturity Date:04/01/2077

Financial Freedom Builder - WFG

Specified Amount:$250,000.00
Death Benefit Option:Inc Graded

Financial Values As Of:01/22/2014

Cash Value:$14,231.91
Surrender Value:$14,176.41

Loan Values

Loan Balance:$0.00
Loan Reserve:$0.00
Max Loan Amt Avail:$12,753.22

Withdrawal Values

W/D Anniv To Date:$184.82*
Total Withdrawals:$937.70*
Max W/D Amt Avail:$1,417.64*

Looks like this is the prospectus:https://www.westernreserve.com/site/newwrl/media/public/PDF/performance/MPRWRL005.pdf

Thank you!!
Personal Finance Deals
Car Allowance - Taxable or Not
Added on : Thursday January 23rd 2014 02:00:17 PM
g: -1 Posted By: Viliron
Views: 171 Replies: 2 Hi Everyone,

I'm getting car allowance total of $9K/yr. This is to reimburse me for my car payment, insurance, r&m, etc. Is it still taxable in this case? Thanks!
Tax Deals
Car accident- while parallel parking
Added on : Thursday January 23rd 2014 04:00:11 AM
g: 0 Posted By: medatom
Views: 124 Replies: 6 Today morning, i was trying to parallel park tha car and realized that my car was too close to the parked car in the front. So i pulled my car out and try to straighten it to get back in and my right side touched the back of the car in the front. The lady who was in the car got out and i waved and parked the car on the other side of the road. When i asked her how she wanted to proceed she said the whole car shook and don't know what else wrong with her car. When i checked her car, it had some paint strippings and also some dents. I am sure the dent didn't come from my car as there is no protrusion on my car to do the dent also my car has no scratches. So i called the police and got a case number. The cop did'nt give me any report but suggested that we exchange the insurance information and try to fix it out of pocket.
What should i do now?. Should i wait for her to get back to me with estimates or just let my insurance handle everything?. My guess is the expense would be less than $500.
Appreciate any feedback.

Personal Finance Deals
Evolve Money Billpay: Use debit card to pay billers
Added on : Wednesday January 22nd 2014 01:00:13 PM
g: 0 Posted By: larryc
Views: 226 Replies: 2 Just came across this: Evolve Moneyis a free bill paying service that lets you use the following to pay over 10,000 billers that don't normally accept credit/debit cards:

Visa or MC Debit cards
Visa or MC Gift Cards
Reloadit cards
Evolve Paybucks


Billers seem to include common utilities (electric, gas, water, cable, etc), mortgages, loans, and insurance co's. No, before you ask, you can't use it to pay other credit cards. (Darn!)

If you have a debit card that gives CashBack, this seems like a great opportunity to earn Cash Back that otherwise wouldn't be available. Also seems like a nice way to cash out those rebate gift cards for small amounts.

Couple of negatives though:
- I don't see any way to schedule future payments. You pay a bill; they send it in two days (a few billers offer express pay, which is same day). But there's no way to schedule
- After the recent Target data breach, we should all be wary of sharing our debit card information. Think carefully about which (if any) debit card you want to share with this service

PR release here.


Discussion Deals
Question on Contract for Deed
Added on : Wednesday January 22nd 2014 08:00:11 AM
g: 0 Posted By: snnistle
Views: 117 Replies: 0 Trying to help my grandfather and hope I can get some good advice from you guys...

SITUATION: He sold a small house to a friend a few years ago (contract for deed) and verbally agreed that he would not initiate any legal action if the purchaser defaulted on payments or if there were any other actions that constituted a breach of the contract. (Understand that his word is as good as a signed contract.) Now, the original purchaser purchased another home, moved out of the house she is purchasing from my grandfather, and she hasn't made payments to my grandfather, hasn't paid water/sewer, has no insurance on the house, and has let it fall into disrepair (including frozen/busted water pipes). The original purchaser recently told my grandfather that as part of the purchase of her new home the person who she bought the new home from has agreed to make payments to my grandfather (I'll refer to him as the new purchaser). The original purchaser says she had a lawyer help her and papers have been filed. First, is what the original purchaser did legal? Second, my grandfather has accepted payments from the new purchaser, but he also does not have insurance on the house. Since he has accepted payments from the new purchaser, does that constitute tacit approval of what the original and new purchaser have done? If what the original and new purchaser have done is legal, I think my grandfather would have no problem taking legal action against the new purchaser, so I kind of hope what they did is legal. Second, is there anything that my grandfather can do to be compensated for the damage to the house without taking legal action against the original purchaser?

ADDITIONAL DETAILS: This is in the state of Minnesota. The balance due to my grandfather is around $17,000. The original purchase price was around $28,000. (The house is small and in an economically depressed area, thus the low costs.)

I hope this explanation is somewhat understandable. I would appreciate any advice and input I can get, because my grandparents are in their 80's and I'd like to help them resolve this situation ASAP. Thanks.
Personal Finance Deals
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
Personal Finance Deals
where to get money for downpayment.. 401k or Stock
Added on : Sunday January 19th 2014 01:00:04 AM
g: 0 Posted By: mrrino002
Views: 18 Replies: 0 I'm in the process of purchasing a home... I have a few options that I've been thinking about... First I need $25,000 dollars for a downpayment... I have roughly 75k in my 401k and 100k in company stock that pays a decent dividend and offers ownership incentives during bonus time... I'm 33 years old and have roughly 24 years of working, if everything goes smooth... My question is do I take a hardship loan of the 25k from my 401k, repaying it back over 15 years through a payment plan through payroll deduction, with 4.25% that I repay to myself. Or do I sell the stock, pay the capital gains tax, lose the dividend and ownership incentives, but don't have to worry about a repayment coming out my paycheck?

I was leaning more towards borrowing against my 401k cause you could only borrow from there during a few things and first time home purchase is one... If anything were to happen.. I could always sell the stock and repay the 401k loan..


the other question is... 25K is only 10% of the mortgage loan.. so Im paying PMI insurance of roughly $85 dollars a month for minimum of 3-5 years.. or do I put 50k down, dont have a pmi, but again lose a lot of my life savings and lose out on the dividends and ownership incentives plus the capital gains taxes?.. but have no pmi and $200 dollars less a month mortgage payment?

thanks any help would be great
Personal Finance Deals
Family member's pension was invested into a Ponzi scheme
Added on : Saturday January 18th 2014 07:00:09 PM
g: 0 Posted By: calisoldier83
Views: 79 Replies: 0 My mother was working as a transcriber for a Doctor's office since 1984. She became fully vested in the pension plan (profit sharing) six years later. Her employer's pension plan was (supposedly unknowingly) involved in a Ponzi scheme (similar to Madoff's). Being one of the first investors, all the people who invested after him are suing him for the money they never received as part of the scheme.

When trying to contact the company that administers the pension, they refer all calls back to my mom's employer.

She had close to $100K in the pension. They filed a claim with the employer's attorney, but he has been unresponsive.

It doesn't appear there is much recourse. The following actions have already been taken:

-She sent a formal claim for benefits which was returned refused (certified mail).
-My parents contacted the Dept. of Labor, but they can't get involved until the lawsuit against her boss is settled.
-A contact at the Dept. of Labor attempted to reach out to the boss, but he differed all questions to his lawyer.

Her boss has been known to file fraudulent insurance claims and do some pretty deceiving things over the course of her employment, so this was no surprise. I wanted to post on here in case anyone has anyone had recommendations or suggestions. My parents don't have any money saved up to hire a lawyer, which might be useless at this point anyways.
Discussion Deals
taxes for a first time landlord
Added on : Saturday January 18th 2014 06:00:12 PM
g: 1 Posted By: psychtobe
Views: 210 Replies: 3 Savvy FWF real estate investors,

Can you provide any general corrections to my rudimentary understanding based on internet research and a quick book skim?

Property: a second home purchased as a rental/investment property in July 2013, $26,500 down and $160,000 borrowed (documented loan from a family member, 12 years 3.25%). We have a property manager who charges $399 to place a tenant and $100 per month. The property was rented at the end of August 2013.

Expenses and Income (I tried to group by category):

$3000 improvements (new shower/bathroom update)
$3000 repairs
$400 insurance
$1000 taxes
$1800 interest
$600 pre-purchase inspections
$500 settlement charges

$400 pre-rental cleaning, etc
$800 property management fees

$5300 total rent

This is what I believe I understand:
1. I cannot deduct any passive income against my personal income because I am not an active property manager nor a real estate professional; and also because my income is greater than $150k.
2. I can deduct depreciation of the property structure (but not the land) as part of my expenses. I can also deduct the cost of the $3000 improvement but must do so on a depreciation schedule. If I do either of these then I will have to pay tax on the lower cost basis when I sell the property.
3. All of the costs I've listed above are deductible against any income I've received, obviously excepting the purchase price (down payment and principal payment) of the property. I can also deduct mileage for travel to/from the property.

Questions:
1. Obviously I have more expenses than income in 2013. Am I able to carry forward some or all of those unused expenses for 2014 and later? The internets says I can.
2. Am I correct in understanding that I cannot count any of these excess losses against my personal income for the reasons stated above?
3. Can I carry forward losses to use against future price appreciation of the property such that when I sell it, if it has risen in price, I can mitigate any taxes owed?
4. Are any of the expenses I've listed above 'not acceptable' for the purposes of calculating my losses?
5. If I do depreciate the structure and/or the improvements, and then I move into the property for at least 2 of the previous 5 years before selling it in the future, have I just completely avoided paying tax (because of the capital gains exemption for a primary residence of $500k for a married couple)?
6. Is TaxAct Deluxe going to adequately walk me through my scenario? What are my alternatives? I'm not too interested in finding a good CPA.

thank you!

Tax Deals
Life Insurance - VUL Cost of Insurance Past Age 65?
Added on : Friday January 17th 2014 05:00:12 PM
g: 0 Posted By: satchi
Views: 146 Replies: 0 Hi, I am in a situation where my dad's life insurance agent is recommending me to switch from a variable universal life insurance (VUL) to universal life (UL). I am the beneficiary as well as the account owner so I take care of the policy. The reason why the agent recommends the switch is because the current policy (VUL) is coming to a point where the fees 'MAY' exponentially increase, up to the point where the current premiums will no longer be enough to keep the policy alive.

That's where my question comes in. I asked the agent to show me a chart or something that shows this increase of fees over the coming years so I can plan for it, but he is unable to do so or appears to be side-stepping my question. I just wanted to know if anyone currently has a VUL past 65 and typically how much are the cost of insurance fees then? Currently my dad is 61 and his fees are just roughly $450 which is very much manageable, but I'm not so sure later on.

VUL (Current Policy)
$100,000 death benefit
$1000/yr premium (currently $450/yr goes to fees and the rest becomes cash value)
$900 cash value currently in policy.

UL (Recommended Policy by Agent to switch)
$250,000 death benefit
$2400/yr premium (from my understanding UL premiums are set and do not change?)

I have done quite a bit of VUL insurance reading on this forum so I kind of understand the true reason for getting a VUL, but my situation is a little bit different such that the VUL does not have much cash value left in it so the current plan for my dad's VUL is to keep the policy alive simply for the 'life insurance' part of it.

Any insights is much appreciated. Thanks in advance!

Personal Finance Deals
Term life insurance question
Added on : Wednesday January 15th 2014 08:00:06 AM
g: 0 Posted By: Xnarg1
Views: 108 Replies: 0 I'm in the process of getting life insurance and went to term4sale.com to get preliminary quotes and find an agent.

One of the agents is telling me that the new term life ins policies has a "living benefit" which you can draw on while you are alive if you have some sort of life event, like cancer or a heart attack. Is this pretty standard now? Or is he trying to get me into a different product but still calling it term life? Rate is pretty good about $30/month for 750k at 20 years.

My second question is how do you know that the company you choose will be around in 20 years? How do you research the company or do you just take the word of term4sale.com that the company is rates "A" or whatever and that is good enough?
General Economics Deals
FREE 1 year Experians ProtectMyID from Target
Added on : Wednesday January 15th 2014 05:00:05 AM
g: 1 Posted By: dacrew55
Views: 116 Replies: 1 creditmonitoring.target.com

Letter from Target.

I am truly sorry this incident occurred and sincerely regret any inconvenience it may cause you. Because we value you as a guest and your trust is important to us, Target is offering one year of free credit monitoring to all Target guests who shopped in U.S. stores, through Experians ProtectMyID product which includes identity theft insurance where available. To receive your unique activation code for this service, please go to creditmonitoring.Target.com and register before April 23, 2014. Activation codes must be redeemed by April 30, 2014.
Services Deals
Home Equity... How soon
Added on : Tuesday January 14th 2014 04:00:08 PM
g: 0 Posted By: elptrainerny
Views: 148 Replies: 0 I bought my property last June. The LTV (from purchase price) is 76, but with home price appreciation should be 70..

I'm looking for a 75k home equity loan to purchase a commercial property (as a CMBS loan is hard to get for such a small amount)

-Is someone who bought so recently eligible?
-How does a home equity work, if I exceed 80 LTV, so I have to pay mortgage insurance etc?

Real Estate Deals
Wife Quitting Job - AOR & other advice
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: kogerk
Views: 46 Replies: 1 My wife is quitting her IT job in 2 weeks for both increased stress and personal reasons. It will be a bit tight, but we should be able to pay all our bills (mortgage, utilities, taxes, phone, internet, insurance) with my salary, without dipping too much into our savings/emergency fund. In the long term (after 1 year) she probably will look for other options. We have two rental properties (big thanks to FWF) that are positive cash flow (about $600/month) that I do not plan to dip into.

I am looking for advice on what steps to take in the next few months, so as to not run into problems and if possible exploit the current situation.
- Unemployment benefits is almost ruled out since she is quitting and there is no harrassment of any kind.
- Will transfer health insurance onto my name in the next couple of weeks.
- Plan to do an AOR on her name (details below - any input is highly appreciated)
- Anything else ...!!??

The AOR is primarily for points/CashBack. I plan to get big on BB/VR and MS to further supplement our incomes. We do not have CVS, Riteaid, OfficeMax. We have Walgreens though and will try my first VR today there.
Her credit score is about 705 (credit karma) and her current salary is about $65K (mine about $80K). Here is a list of potential ongoing offers. Am I missing some offers.
Wells Fargo 5 rewards points for every $1 spent on gas, grocery, and Drugstore net purchases for 6 months (primarily for VR at WGs) Barcley 2X on all purchases - ==2.2% CashBack NFCU 60K points with $3K spend in 3 months -- now 15K?? Marriot 70K points with 1K spend IHG Rewards Club 80K points with 1K spend Capital One 50,000 points with Capital One Venture Card Chase Slate Introductory Offer: 0% APR on Balance Transfers Chase Saphire 40,000 Ultimate Rewards points after $3000 within 3 months Chase Ink Bold 50,000 UR points
I plan to get a EIN and also apply for some business cards. We don't worry about any hits on her credit score, as we don't plan on refinancing or such in the near term. I have done couple pf mini AORs before but, I plan to optimize this AOR since we might not be able to show any income on her name for a while.

I would highly appreciate any advice on all pertinent matters. TIA>

Personal Finance Deals
How long after medical procedure can I safely cancel insurance policy?
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: psyteet1
Views: 78 Replies: 1 Facts, two year old son had no medical insurance, needs minor surgery for a hernia, no current pre-existing condition exclusion, applied and approved for a policy with no deductible and only a one hundred dollar out of pocket limit for this surgery.

The surgery is scheduled next month and I would like to cancel it as soon as possible without hurting the coverage for this surgery and remaining check up costs.

If everything goes smoothly, at what point could I safely cancel the policy and expect that there would be no issues of payment? Sorry in advance for message layout since I am on my phone.
Personal Finance Deals
g: 9 Posted By: MISTERCHEAP
Views: 506 Replies: 5 https://creditmonitoring.target.com/#?v=1B18FB011314

In addition to a complimentary copy of your credit report, you will receive daily credit monitoring, identity theft insurance where available, and have access to personalized assistance from a highly trained Fraud Resolution Agent. This offer applies to all Target guests who shopped in U.S. stores. To register, please go to creditmonitoring.Target.com before April 23, 2014.

Guests will have until April 23, 2014 to request a code and until April 30, 2014 to register their code with Experian.

What is offered as part of the credit monitoring/ProtectMyID?

The one year of free monitoring membership to ProtectMyID includes:

Credit Report: You will get a free copy of their Experian credit report. If you enroll online, your report will be available online. Online credit reports are available for 30 days.
Daily Credit Monitoring: You will receive alerts for one year that reflect changes to your Experian credit report during your membership term. This includes new inquiries, newly opened accounts, new derogatory information (such as delinquencies or medical collections) and more.
Identity Theft Resolution: If confirmed that you have been the victim of identity theft, you will be assigned a dedicated, U.S.-based Experian Fraud Resolution Agent who will walk you through the fraud resolution processand remain available to answer questionsfrom start to finish.
Identity Theft Insurance: If you have been a victim of identity theft relating to this incident, you will immediately be covered by a $1 million insurance policy that can help you cover certain costs, including lost wages, private investigator fees, and unauthorized electronic fund transfers for one year.
ProtectMyID ExtendCARE: Access to personalized assistance from a highly-trained Fraud Resolution Agent will continue even after the initial one year ProtectMyID membership expires.

Credit scores will not be offered to guests who sign up for the free year of credit monitoring. You do not need a credit score to receive the benefits of credit monitoring.
Services Deals

Target Coupons
Planning for temporary loss of income
Added on : Saturday January 11th 2014 09:00:14 AM
g: 0 Posted By: RedCelicaGT
Views: 87 Replies: 1 I'm a 29 year old student. I also work full time and have no debt other than my mortgage. Through employment, Igross 88K annually including overtime.

For certification reasons, I need to take a 2 yearunpaid training after I finish school. At the end of my training, my income will be 120K-140K with 10 year potential to 190K...So the incentive to do this is clear.

I have managed to avoid student loan debt through employer tuition reimbursement. At the end of my classroom education and research I will be "employed" in a 2 year unpaid training/residency. It's good I have some time to prepare for a loss of income, but at the same time a bit nervewrecking to know I have a family to take care of while not having any income. With small children, my wife as a school teacher will not net enough money to warrant working and offset daycare. Children must come soon. Medically speaking that is the only choice. Right now we have an infant. I'm currently saving about $900/month including matched 401K contributions.My mortgage PITI is $1380 with $400 going to principal so that's kind of like sending the money to savings at this point.So far, here are my assets and liabilities:
Asset Value Loan Balance House 250K 216K 401K 56K NA Liquid 25K NA Car 1 12K NA Car 2 10K NA Total 345K 216K Net 149K
Here are my planned expenses during training:
Expense Amount Rent 700 Car/health Insurance 400 Utilities 100 Food/Baby 600 Gas 150 Life 500 Monthly Total 2450 2 year total 58800
I'd prefer to not burn through my life's savings in two years. I will sell the house which will net about 25K after expenses. Liquid+house proceeds can almost carry us through the whole time. I really don't want to dip into 401K. I can sell the cars and drive an old beater if necessary but I'd prefer to keep the cars and have reliable transportation.I don't feel bad taking some government assistance if I qualify during this time period since I've been paying taxes and have not been getting government assistance while in school. I'm considering moving all my liquid over the next few years to roth IRAs so we can qualify for WIC/SNAP and pay for most everything from the IRA.

What would you do if you were me to prepare for the loss of income? Is it unethical to plan in such a way to be able to qualify for government assistance while having a substantial amount in retirement accounts?
Personal Finance Deals
Escrow went up by almost $500 !!
Added on : Friday January 10th 2014 04:00:08 PM
g: 0 Posted By: mnsweeps
Views: 55 Replies: 5 I checked my Jan 2014 statement and I see my Escrow (insurance and tax) went up by $485..I do not have PMI...anyone can think of any reason? My insurance has hardly gone up and neither has property taxes..
Personal Finance Deals
Auto Insurance discussion thread.
Added on : Friday January 10th 2014 06:00:13 AM
g: 0 Posted By: ShakuniMama
Views: 30 Replies: 1 I am starting this thread in the hope that all discussion regardingAuto Insurance can be done in one thread and all of us can benefit from it since currently there are numerous archived threads with great information (but you have to start a new thread in order to ask one question).
Please fell free to comment/ ask any question regarding yourAuto Insurance.
Also, any tips/ticks for getting discounts on your policy.
Please include yourAuto Insurance name, state, coverage, deductibles and six monthly premium to compare.
For example:
I have Geico with full coverage & full tort in PA with a 6 monthly premium of about $700.
My car (2002 Honda Accord) is just over 11 years old and I am looking for ways to reduce my premium since now it is probably worth about $ 4-5000.
What can I drop and what I must keep ?
I also have renters Insurance and was wondering if I should buy an Umbrella insurance.

Thanks for reading.

Discussion Deals
Copays and Doctor visits (Hospital Based Billing)
Added on : Thursday January 09th 2014 05:00:10 AM
g: 0 Posted By: BenH
Views: 2 Replies: 0 I posted a thread several months ago in Off-Topic and updated it a week or so ago with no response (likely because it sat dormant for so long). I'm bringing some of the questions into FWF because I know there are here with good experience, and in the end - it is related to personal finances, so something we all should understand.

You can read the synopsis of my experience in this post:
http://www.fullofdeals.com/forums/off-topic/1307347/messid=18208089/#bottom

Essentially, it appears that my doctor's office - which is affiliated with a hospital - has changed their billing methods. Now, instead of just a $20 copay, I am paying towards my deductibles for office visits.
Feel free to read the above post for more precise information.

The question I have now, after speaking with my doctor directly (asking her for a recommendation for another doctor not affiliated with the hospital), is this:

My doc informed me that that last few visits that we have all had were not coded as wellness/preventative visits. My daughter (infant) went in for...can't remember...a rash maybe? My wife had hurt her neck, I went in for some congestion/nasal/sleeping issue.
So - the doc said that these were not coded as standard office visits - presumably because it wasn't like a normal check-up, but because we were coming in for a specific issue.

Now I don't go to the doctor often but since I've been married and had a kid I have to deal with the insurance more than ever. IIRC, in the past when I have had insurance with a $15-30 doctor copay visit, it did not matter what I was going into the doctor for.

Whether it was a yearly checkup, or I had a cold, or I was complaining about my toes being numb, or loss of hearing (all just examples)... it didn't matter! I would just go, pay my $15-30 co-pay and that is all I would owe unless the doctor had to order some specific tests.

I'm sure my doc has pressure from the hospital to bill a certain way, and I think she is trying to work with me on this, but which of us has the more real-world view? Am I wrong in thinking that a copay should be valid for all doctor's visits? Is the doc saying otherwise clearly the hospital talking and them trying to take advantage of these billing practices?

Doc says that if she realizes it is an issue for me, that she can try to code our visits more as a "standard" visit which, I believe, should just elicit the copay. With new insurance kicking in this year, and not wanting the hassle of finding another good doctor, I would like to think I can stay with them if they can do this...but I want to know what everyone else's understanding/experience with co-pays are.

thanks.
Can I use VISA rental car insurance with SLI?
Added on : Wednesday January 08th 2014 09:00:06 PM
g: 0 Posted By: RogerFederer
Views: 73 Replies: 1 Hi there!

I'll be renting quite a few cars for travel and wanted to make sure I fully understood the details of credit card rental insurance and supplemental liability insurance (SLI). I just finished reading through this awesome infographic on insurance,but I'm unclear on the following:

I don't have personal car insurance (don't own a car), but I intend to pay with my VISA, which means damage to the rental vehicle is covered.
I want to make sure i'm covered for liability in case I am deemed at fault for an accident.
Can I JUST buy the supplemental liability insurance and not the collision damage waiver? Idea here is my credit card should cover the CDW, but it won't cover liability.

I'm just trying to make sure that buying SLI won't negate my credit card coverage of damage to the rental car.

Thanks in advance for your help!!
Eric
Question Deals
Water Damage from a Vacant Neighboring Condo Unit
Added on : Wednesday January 08th 2014 06:00:08 PM
g: 0 Posted By: Porqin
Views: 116 Replies: 0 Greetings, FWF:

Quick scenario, my friend encountered this evening:
- Lives in a 2-story condo building (he is renting), with units on both the first and second floor
- Neighbor's 2nd story vacant condo had a pipe burst, and water gushed into the first floor (garage area of friend)
- Water department was called to turn off water to the vacant unit

At this point, it isn't entirely clear the extent of the damage.

Now, the question is which insurance covers this situation for damage to:
A. Friend's personal belongings
B. Damage to friend's unit (structure)
C. Cleanup

1. Friend's renter's insurance
2. Friend's landlord's home owner's insurance
3. Vacant condo's home owner's insurance
4. HOA insurance

Thanks for your input.
Discussion Deals
Car rear ended, back hurts
Added on : Wednesday January 08th 2014 01:00:07 PM
g: 0 Posted By: Al3xK
Views: 184 Replies: 0 My girlfriend has liability only, and was rear ended by a dry-cleaning van with commercial insurance. At a red light with plenty of cars lined up, it turned green, he just rammed into her stopped car. Damage isn't too bad, but it's been 2 days and her back is pretty sore and it was hard enough to knock her water bottle out of the cup-holder and spill it and lock up her seat belt. We called and started a claim directly with their insurance. Her insurance hasn't been contacted at all, since it's just liability.

What are the best steps for possible medical? It was a fairly low-speed accident with the other driver admitting fault (no police report). I'd just guess a several chiropractor visits and a massage and she'd be fine. I know insurance companies fight paying chiropractors without a real doctor visit. Do I send her to a doctor of our choice for X-Ray/check and then just send insurance company bill or what? Should I tell their adjuster she wants to go to a doctor and have him confirm a place they'll pay for?
Question Deals
Nursery charge for newborn
Added on : Monday January 06th 2014 02:00:08 PM
g: 4 Posted By: bluegreenturtle
Views: 197 Replies: 0 I am hoping somebody with some sort of special knowledge of hospital billings might read this.

We recently had a baby. Normal delivery and the charges to Mom's account, while crazy high for a normal delivery without complications, were what we expected and she hit her $5000 out of pocket max anyway.

Then they started a billing account for the baby and started charging things to her. Ok, some of it made sense, like a diagnostic test or any medications (eye drops) given. But in addition to Mom being charged for the labor and delivery room and then the recovery room (the only 2 rooms we saw) they also charged the baby $1500 for "nursery." all of which will be out of pocket since it's under the deductible for the baby's account. I wrote to the hospital and asked about this, explaining that the baby never spent any time in a nursery or any other room, and the reply was "the hospital always bills for a nursery charge because there has to be a room avaiable in case the baby is ill or has complication." This doesn't make sense to me - do they always charge for the Operating Room in case a C section is needed? No. Do they always charge for an emergency cart because the mother or baby could go into cardiac arrest? No.

Anyway, is this normal practice? I'll have to pay the whole thing if we're liable for it, so it's worth a little bit of time to try to fight it or negotiate it. Also, if they just would have charged it to the Mother's account instead of the newborn, then the insurance would be on the hook for it. Is that impossible to ask for?
Personal Finance Deals
Buying a rental house targeted at shorter-term tenants
Added on : Monday January 06th 2014 06:00:15 AM
g: 0 Posted By: Bagofchips
Views: 0 Replies: 0 Here's an idea I'm toying with. Where I live (suburbs, upscale, Northern California)there is little inventory for housing (be it rental or purchase). This in turns leads to more people wanting to remodel their homes, but those who do so often have the challenge of where to live short-termduring a move-out remodel.

The cash flow on homes purchased for rental usually stinks, but am thinking MIGHT be able to make something work with a rental targeted at shorter-term occupancy. Rental terms would be front-loaded with a higher rate and the rate would decline over time (to a still-above-market rateat month-to-month). Where I am there is no rent control. Shorter-term tenants also include the recently-relocated (from outside the area or urban flight families) who are house hunting.

The ideal home for such a situation would have these qualities:

Generousgarage for storage
One level for easier move-in / out
Convenient location
Finishes / fixtures able to withstand more wear & tear

Things that ordinarily might hinderproperty value which could matter lessto shorter-termtenants (to an extent):

Road noise
Appearance of neighboring properties, house itself, grounds
Interior condition

So basically, I'm thinking there might be a way to cater to shorter-term credit-worthy tenants paying above-market rent in a property that is fundamentallylower cost / sq ft. Clearly Iwould need to manage vacancy. I can't get to the oft-advised1% rent threshold, though I will be able to self-manage given my proximity to it. Rent could cover mortgage and property taxes and minimal maintenance like landscaping. But let's say not routine repairs, insurance, home warranty...

Input?
g: 2 Posted By: remick
Views: 288 Replies: 0 http://www.amazon.com/Arts-Numbers-Financial-Performers-Creative-ebook/dp/B00B6U09K4

5.0 out of 5 stars (7 customer reviews)

The creative classartists, actors, writers, musicians, freelancers, dancers, performers, and the likeare known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.



Personal Finance NOW: Top Keys to Understand Personal Finance, Financial Planning, Budgeting & Investing Through The Power of Effective Money Management ... Investing, Money Management, Debt, Money)
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You are about to discover how to get in charge of your financial life. No matter what you do for a living, you are going to need financial literacy to succeed in life. You know this; that is why you picked up this book. The fact is that the amount of success you achieve both in your business and personal finance is determined by the ability to track your spending, build up savings, and invest the smart way towards a better future. Its determined by the ability to develop the right money habits that will take you where you want to go in life.


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Spending Smart is a compact but immensely helpful collection of columns from the weekly Chicago Tribune column penned by Gregory Karp. Offering tips for consumers across a wide variety of fields, including insurance, banking, cars, phones, homes, travel, and more, this book is a terrific primer for how to take better care of your money and find deals where others aren't even looking.
Books Deals

Amazon Coupons
Apartment complex water damage.
Added on : Sunday January 05th 2014 01:00:04 PM
g: 0 Posted By: Stanley124
Views: 168 Replies: 3 So today the alarms went off in my apt. complex. We evacuated and the fire dept came. After a while we were let back in. A water pipe had burst in the apt manager's office and flooded. a couple apartments on the 2nd floor along with 2-3 on the first floor suffered water damage. Briefly talking to the property manager she says " I am glad it happened in our office as I will get all new stuff, but the other tenants aren't as lucky"

This brings me to my question. If the same thing happened to me and my apartment was damaged by water due to a burst pipe is the complex not liable? I do not have renters insurance so this obviously concerns me.

I am in Mass.
Question Deals
Investment Property Advice
Added on : Saturday January 04th 2014 04:00:06 PM
g: 0 Posted By: OCDSaver
Views: 105 Replies: 1
I have been renting my former primary residence for 3 years.
Current FMV $320k
Mortgage balance $200k, 2.875%, 21 years remaining. Rate resets every October, tied to average 12 month Libor+ 2%. I have the ability to refinance at any time to a fixed rate and term of my choosing based on the prevailing IRS applicable federal rate
Rents cover all expenses (Mortgage, HOA, Property Tax, Insurance, Repairs, etc.)
I do my own taxes through Turbo Tax so I am not very clear on how depreciation factors in to any decision I make
I recently hired a property manager and because I'm not losing money on the property, I would not be inclined to sell it

Questions:

How would you approach the refinance situation? Applicable federal rate is currently 3.44% and rising. How aggressive would you be in paying down this mortgage? The balance in the business checking account is steadily growing so I have surplus cash that I won't be investing for fear of a major unexpected repair. Also, my day job is in finance so I don't want to put all my eggs in the financial markets basket, and the idea of investing a little more to my only real estate holding seems attractive (we pay rent on our primary residence)
If I were to sell down the road, how is my gain computed?
How does depreciation factor in?
If this property management flows as smoothly as I hope, this seems like a nice investment. Anything I should be thinking about, considering this isn't my day job

I'm happy to answer any questions. I'm sure I've left a lot out.
Real Estate Deals
Renter's Insurance: How to Best Document Belongings in Apartment
Added on : Saturday January 04th 2014 09:00:08 AM
g: 0 Posted By: Gauss44
Views: 7 Replies: 0 I am planning on purchasing insurance for an apartment I'm going to rent and live in. The insurance company suggested that I make a video of the apartment and the belongings in the apartment so that I can prove that I had belongings in case of a fire, serious flood, or other disaster that ruins belongings.

My question is about filming this video. For anyone who's done this before, do you suggest unpacking every last box in your storage room to film every last item? Did you go through your closet and boxes of clothes to film every name-brand tag on every piece of clothing? Where did you draw the line and where should you? How did you make your video?
Personal Finance Deals
g: 4 Posted By: itsyourbirthday
Views: 336 Replies: 3 *Don't be persuaded by the "T Rowe Price customers only" in the title. Even this posting, dated Jan/03/2014,is technically only for State Farm Insurance customers.

In spirit of the ongoing State Farm Insurance link that has been floating around since 2008 (as evident here), I thought I would up the ante and provide a link to receive TurboTax 2013 Deluxe for free.

TurboTax provides these "special" links for their affiliates, one of which is State Farm Insurance. Another is T.Rowe Price. TT has thousands, upon thousands, of affiliate links, and it is my assumption that it is easier, and probably more cost effective, to simply allow these links to roll over from year to year, rather than updating them. That is how the SFI link is still active after all the years. Okay, so why did I mention T.Rowe Price? Just like SFI, TRP is also an affiliate of TT, and has their own link(s) which contain special pricing. One of those links that happens to be floating around on the World Wide Web, offers a great deal on Download Deluxe, but not so great deals on Premier, H&B and Business, unless you want to file online with TT using Premier which in that case is FREE or H&B for $54.99.

So, how great of a deal on a downloaded version of Deluxe? How about free.

Download Pricing (Federal & State): *Inlcudes free Federal e-file. State e-file additional.
Basic - Free (State Download Additional)
Deluxe - Free
Premier - $74.99
Home & Business - $79.99
Business - $129.99 (State Download Additional)

Online Filing Pricing (Federal & State): *Includes free federal and state e-file.
Basic - Free
Deluxe - Free
Premier - Free
Home & Business - $54.99
Business - N/A

I am going to guess that once TT gets hit with people connecting through the following link, they might delete the link or update the pricing. So get it while it's hot!

I can confirm that Deluxe downloaded and installed without any issues. I can also confirm that state downloaded as well, after the initial installation of Deluxe, and navigating to the State tab in the program. Enjoy.

YOU FOUND THE LINK

Fine print mumbo-jumbo from TT website...

Efiling your Personal Federal and State Tax Returns with TurboTax Online

Free Federal Efile Included Free efile is included with your purchase of TurboTax Online federal and state products.
Efiling a State Return? State efiling is free with TurboTax Online. Note: You can efile only up to five state returns per federal return.
Want to Print and Mail Instead? You can print as many copies of your federal and state returns as you need per TurboTax Online purchase.

TurboTax CD/Download

Free Federal Efile Included Theres no additional cost to efile your federal tax returns. Efiling your state personal return(s) costs $19.99 per efile.**
Efiling a State Return? Efiling your state return costs $19.99 per state efile.** Note: You can efile only up to three state returns per federal return.
Want to Print and Mail Instead? No problem. Prepare and print as many additional returns as you like for no additional charge.
Filing Multiple Returns? Its easy. Prepare federal returns and efile up to five federal tax returns (the limit set by the IRS) at no additional cost.

Efiling Your Business Returns

Efile Included Federal and state efile is included with TurboTax Business and Business State products (each sold separately).
Filing for Multiple Businesses? You can efile up to five federal returns at no additional charge.

*Fastest refund with efile and direct deposit; refund timeframes will vary.
**Prices are subject to change without notice. State efile is an additional fee.Efile fees do not apply to New York state returns.

This comment confuses me though...

Try it for Free/Pay when you file: Price increase expected on 03/22/14 unless you've received a valid special discount offerin which case comparison is based on your specified discount, which may expire before 03/22/14 (see your discount offer details for more info). Actual prices for our online products are determined at the time of print or efile and are subject to change without notice.
Tax Software Deals

TurboTax Coupons
Making Extra Cash Off Renewing Cell Phone Contract
Added on : Thursday January 02nd 2014 04:00:09 PM
g: 0 Posted By: thepineapple
Views: 236 Replies: 2 Hey everyone. I have been reading this forum for about two months now and have made a decent amount of extra money from CC signups and bank bonuses. Hopefully these tips help some one out.

Every 18 months my family's cellular contracts expire and we have the ability to sign a new one. If you have any of the major cellular carriers you usually get a huge discount on a new smartphone by signing a contract. Every time we have this ability I sign new contracts under all my lines, get the newest or most desired smartphone usually for $199.99, and flip it on eBay, usually for ~$600 after fees. You can either then buy a year or two old smartphone with some of your profit, or just keep using the one you have. I've had an Iphone 4 since a year after they came out and don't really need anything better. I just did this for the 2nd time and pocketed 2k off my five lines.

We also have glass coverage on all our vehicles because we are in Arizona where windshields break multiple times a year. When your windshield breaks, even chips, make your insurance replace it, not repair it. There are plenty of windshield replacement companies that will give you gift cards for going through your insurance. I get $100 gift cards every time my windshield breaks which is usually once or twice a year.

Hope these help some one out.
Deal Deals
Is useage based car insurance better than regular car insurance?
Added on : Wednesday January 01st 2014 05:00:10 PM
g: 0 Posted By: Phokus
Views: 52 Replies: 1 I drive less than 10k miles a year, probably around 7 to 8k miles a year. I heard about useage based auto insurance and that you can save some money over regular insurance. However, i heard some quirks, especially that they check how hard you brake and that can sometimes be arbitrary or too low to really determine whether or not you are a dangerous driver. Anyone got any good suggestions for insurance companies who implement this right and where you can save a lot of money?
Question Deals
Auto collision - Rear end hit
Added on : Tuesday December 31st 2013 01:00:15 PM
g: 0 Posted By: haoniukun
Views: 166 Replies: 6 Originally, I thought my case was simple.
My car was rear-ended.
A small dent was left on the rear bumper.
It is the hitter's fault obviously.
But unfortunately, I can't find a witness easily and the officer wouldn't give a report because no one was injured.
I filed a claim against the hitter's insurance company.
After I went to the assigned collision shop for inspection, I have been waiting for the claim result and called the insurance company several times for the claim status.
The insurance company was waiting for the hitter's photo of the car (accident happened on Nov. 15th).
The insurance company also told me that the hitter said there was a dent on my rear bumper originally.
I'm sure that my car was perfectly fine originally.
But I cannot provide any proof for this right now and it is ridiculous that the hitter said that there was a dent on my rear bumper without seeing my car before.
Does anyone have any idea on how to communicate with the insurance company from now on?

Thanks for any advice in advance and happy new year!
Personal Finance Deals
Looking For Fuel Efficient Beater for Mexico Trips
Added on : Monday December 30th 2013 02:00:08 PM
g: 0 Posted By: gamer83
Views: 171 Replies: 5 I know the Crown Vic seems to be the favorite beater car in these parts, but it isn't very fuel efficient. I'm looking to buy a beater for weekend trips to mexico in the 3k range. I plan to put a kill switch in it so that I don't need to buy expensive mexican daytrip car insurance when I go any longer. I don't care at all about image, in order the things that i'm looking for are:

Fuel Efficiency(35-40mpg+)
Reliability
Trunk Space

What models should I look at?
Personal Finance Deals
Underwater Mortgage Options
Added on : Sunday December 29th 2013 11:00:05 AM
g: 0 Posted By: Benjamin75
Views: 56 Replies: 0 General info.

1st mortgage with PNC bank
balance $55,472
payment $742.74 (including tax/insurance)

2nd with Huntington bank
balance $33,311.51
payment 359.58

Totals
owe 88,784.12
payments 1,102.32

house is a duplex, built in 1922 in Ohio.
the county for tax purposes had valued the house for $97,800 before the market collapse, then the value dropped to $78,000. In 2012 the county raised it back to $98,700

i would like to move, my neighborhood has declined, and quite frankly, I don't like where I live. I could have a nicer apartment for half of what I pay now.

Currently, i bring home JUST enough to pay the mortgages and other debts (minimum payments) to be one of the working poor. Just barely enough left after bills for food & gas. Anything extra, or unexpected ends up on a credit card.

i was approached by PNC and told my mortgage was eligible for a HARP refinance, since the loan was owned my Freddie Mack. When they ran the numbers, I was told if I paid close to $700 up front, I could reduce my interest rate and lower my monthly payment by about $100. Since I didn't have $700 laying around! and it would take 7 months to even break even, I did not go further with it.

i approached Huntington about refinancing my loan with them. It has an interest rate of 10% and I had to have my mother co-sign for it. I was hoping to get her name off, and possibly a lower rate. Huntington surprised me, by telling me I may be able to get one new mortgage from them, that payed off both of my loans, put it all in my name alone, and would save me $100-$300 per month depending on the interest rate.

Huntington paid for an appraisal, and it came back at $60,000.
Huntington isn't offering to do anything for me now.

from what I've read, I'm not eligible for any of the modification programs because Huntington isn't a participating bank of HAMP, and because I have a co-signer.

so do I have any options?

Short sale: doubtful Huntington would agree to take what little money was left after PNC took their money. Seems they'd rather go after my retired mother.

Walk Away/Foreclosure: ruin my credit, Huntington still pursue me; ruin my mothers credit and have her pursued also.


Real Estate Deals
Which car insurance companies do not check your driving record?
Added on : Sunday December 29th 2013 05:00:06 AM
g: 0 Posted By: xyqybonu
Views: 26 Replies: 1 I'm a high risk driver. Had a DUI a couple years ago.

I know it's a long shot, but I'm looking for a car insurance company that either doesn't check driving records, or only goes back a year or so.

Thanks!
Question Deals
Advice on Financial Layout
Added on : Saturday December 28th 2013 12:00:07 PM
g: 1 Posted By: PF2014
Views: 172 Replies: 9 Details

Wife and I are both 31 years old
Total net income: $67,600/ year; $5,633/month

Work Retirement Accounts
We both contribute 25% to our respective retirements at work
Me: 401k (3% match)
Wife: 403(b) teacher
Current Amount $5K [I started new job and recently got wife to sign up for 403b]

Personal IRA Account
Mine (Rollover & Roth IRA): $122K, Vanguard Target Retirement 2045
Wife's (Roth): $5500, Vanguard Target Retirement 2045 [Just got wife to sign up for Roth]

Bank Accounts
Checking: $24K
CDs: $20K [Waiting to mature to divert funds to High Yield Savings]
High Yield Savings (0.85% APY): $100K
Regular Savings (Emergency): $23K

Expenses
Mortgage + HOA: $900/month
Cell phone: $130/month
Internet: $35/month
Utilities: $40/month
Car Insurance: $150/month

Recently signed up for mint.com to track spending
Groceries: $350 /month
Restaurants: $575 /month
Wary about the cost to feed us...I think this is something to work on for 2014

Other info
Own both cars, 2005 & 2009 models
Hoping for healthy baby in 2015 & thinking about 529 plan
High amount of liquid cash because wife didn't invest in her 20's. After we met, I advised investing (opening 403b, Roth IRA)


Requesting your counsel for plan of action for 2014 to maximize our money saving and having our money work harder for us. Will provide more info if needed. Thank you!
Personal Finance Deals
Possible settlement with ex-employer what to ask about
Added on : Saturday December 28th 2013 07:00:13 AM
g: 2 Posted By: 77Rus
Views: 200 Replies: 6 Was asked to resign or to be terminated on the spot in October after spending 8+ years with a large company (internal IT department).
Took my case to Equal Employment Opportunity Commission (the only Russian-American of 700 people; new CIO with 12 years of military service during Cold War got totally crazy after finding out that I have concealed weapon permit and allowed to keep firearms in my car after a newstate gun law took effect in August told everybody that I will be killing people one day; started lying about me to senior management; made me to resign after Ive complained to CEO; when still employed for another 3 weeks, they ordered a security with a revolver to escort me to my car in front of everybody first time in history).

We will have mediation at some point in about 2 months. I want my job back. CEO has called me that they can't - CIO doesn't want me. EEOC folkssee a constructive discharge, and said that unless the company takes me back, they will have to offer me a financial compensation of some sort (the company is extremely profitable, but it is not the point Id rather take my job back ).

The question I have, dear FW people: what is right compensation to ask about if they dont take me back? I dont have a job since then (may get it next month), not eligible for unemployment, no health insurance etc. Somebody said I can only ask for actual financial damages. Another person said to ask for 12 months of pay (I was making around $42K plus overtime). Another person said to sue hell out of them, including punitive damages. Unless they object and the case goes to court, I will be glad to settle for 12 months pay. Do you think it is reasonable? Anybody has experience with EEOC mediation process?
Thank you
Personal Finance Deals
heloc w high dti
Added on : Thursday December 26th 2013 10:00:05 PM
g: 0 Posted By: michaelgh
Views: 29 Replies: 0 I have 4 multi family properties, all in my name only. I have great rates, so if I cash out refi it will cost me in the interest and charges. I live in one , and want to heloc it. It is worth 1mill and I owe 500 in 1sf mortgage. I only want 120,000 but the bank says I should apply for a credit line of 200,000 because I get a better rate ! But with four mortgages , my dti ratio is crazy, even though my buildings are profiting! I clear 4000 a month on top of mortgage, escrowed taxes and insurance, but even with a decent full time job I cant get a dti down near 50, especially with the new debt line fully considered. Are there any banks or guidelines that allow for a heloc scheme to work the heloc in hard numbers instead if a ratio ? Ny or Nj . Any suggestions.?
New User Question Deals
Renting vacation home insurance
Added on : Thursday December 26th 2013 03:00:07 PM
g: 0 Posted By: money2011
Views: 18 Replies: 1 I will be renting a vacation home in Oregon for at least 30 days to possibly 90 days because I need have work in that area. I am unsure as to whether or not to buy either travel insurance or renters insurance. Reading a few policies it would seem that travel insurance does not cover rental property unless it is a rental car ( in some cases). However, since this rental property contract explicitly states that it cannot be used as a permanent residence I am not sure if renters insurance would cover it either.

What should I buy to cover my ass?
Question Deals
Home owners insurance claims now cause rates to increase?
Added on : Tuesday December 24th 2013 05:00:08 AM
g: 0 Posted By: shank
Views: 0 Replies: 0 We live in Southern California, have had AAA insurance for home and vehicles for more than 15 years, NEVER filed a claim on our homeowners. While away last weekend, someone broke in to our garage, stole 2 bicycles, loss of approx $1300. Agent claims that AAA recently implemented a policy, following all major carriers, that any claim over $750 will result in a rate increase for 3 years. She did a quick estimate, estimates an increase of $350 per year, so after our $500 deductible, the claim would in effect COST US $250 (!?!).

Is it time to start shopping for a different insurance carrier?
Adult dependents. Which is cheaper under Obamacare?
Added on : Monday December 23rd 2013 05:00:06 PM
g: -1 Posted By: youngchemist2003
Views: 164 Replies: 2 Hi folks, not sure who to best ask, but I thought the finance forum is probably a good place to start.

My wife and I are both citizens, have 2 kids under 3. Her parents immigrated from Asia (greencard holders) to live with us, don't speak english, no income, takes care of the kids while we both work full time. We make too much money to qualify for subsidies under ACA. Currently we are paying ~$500/month for catastrophic insurance coverage for her parents.

I am wondering if I can refuse to claim her parents as dependent, have them file as a couple with $0 income. Would that qualify them for heavily subsidized insurance? Would that qualify them for medicaid? I will lose 2 deductions from claiming them as dependents, but I am guessing it would be a net saving if they qualify for almost free health care. Am I off on that?

Any advise and input would be awesome. Thanks in advance.

Question Deals
Question on CC Baggage Delay Reimbursement
Added on : Monday December 23rd 2013 09:00:18 AM
g: 0 Posted By: jsmirrific
Views: 0 Replies: 0 Can somebody answer this question. In my Chase credit card "Guide to Benefits" under Baggage Delay Reimbursement it reads: The Baggage Delay Benefit Amount is excess over any other insurance (including homeowners) or indemnity (including any reimbursements by the airlines, cruise lines, railroad, station authority, occupancy provider) available to the insured Person. Does this mean that if the Airlines reimburses me fully for expenses related to the delay that the Credit Card Benefit will or will not pay their stated benefit? I thank you for your time.
PSA: Dont forget to do health insurance incentives for 2013
Added on : Monday December 23rd 2013 05:00:11 AM
g: 0 Posted By: KayK
Views: 51 Replies: 0 My health insurance provider (Aetna) gives $100 for an online health assessment (~10 minutes) and $100 for logging in 1200 minutes of exercise on it's website (another ~10 minutes)
That's $200 easy money for me.. and $200 for my wife.. so $400 in about 45 minutes.
They send two separate $200 VISA giftcards about 3 months after completing the two things.. for those wondering.

Just completed mine today. Dont forget to check with your employer/health insurance provider if you're eligible for any incentives.
General Economics Deals
Being trained to absorb fraud costs
Added on : Saturday December 21st 2013 06:00:06 AM
g: 0 Posted By: kenblakely
Views: 39 Replies: 0 Friends: Seeing as this is a financial forum and all, I wonder if any of the old-timers (ie, most knowledgeable) members of this board have any thoughts on something I've been mulling over....

Credit/debit cards (C/Dcards) are a relatively new innovation. As they were introduced, they came with obvious benefits for everyone involved; consumers, the industry, retailers, police, governments. They also came with an obvious (and very significant) risk of fraud and financial loss, and that risk would seem to have deterred people from using them. Getting consumers to use C/Dcards must have been a major goal for the industry.

And here we are about 50 years after the first credit card was issued. C/Dcards are ubiquitous and account for the overwhelming majority of commerce, on and off-line. Consumer adoption of C/Dcardshas been largely successful, to the point that it is now (not impossible but) extraordinarily difficult to live a 'normal' life without them.

One of the many ways that was effected was to assure consumers (via law and corporate policy) that fraud was not the consumer's problem, and that if their data was compromised, they would be shielded from loss. C/Dcard fraud is a huge problem for the industry; billions of $ are lost every year, but that loss is overwhelmingly absorbed by the financial/insurance industry. Now thatC/Dcard use is almost mandatory, the industry is in a position to begin shifting that cost over to consumers. They could do this the same way they established the system as it sits today - via slow and incremental legal and policy changes accompanied by financial incentives ("accept partial risk of fraud and we'll give you 10 miles/dollar instead of 2!")

Which is what I think will happen, prolly over the next 10-30 years. Consumers will end up owning the cost of fraud, and the transfer of wealth from low->high continues....

There's precedent for this: note that the transfer of planning for retirement has shifted from largely a corporate problem to an individual problem, starting with IRAs, then Roth IRAs and 401ks, then the gradual phasing out of corporate retirement benefits. This process started back in the 1970s, and we are now in a world where provisioning for individual retirement is (largely) the individual's problem. The winners in that process have been corporations, not individuals.

Any of the smart guys here know of any good reason why this might not happen, or any research/insights into this process?

Final note: I'm not suggesting some kind of "illuminati" conspiracy where shadowy central planners figure it all out, but rather that this is a process that that will happen because market forces and interests push it that way. Please; no conspiracists.
Personal Finance Deals
Auto Accident- At Fault Driver Has Same Insurance
Added on : Saturday December 21st 2013 05:00:08 AM
g: -1 Posted By: Kevo171
Views: 132 Replies: 0 My GF and I were sideswiped by someone this morning. The other driver is 100% at fault and was cited at the scene of the accident. GF's 1996 Civic was hit hard on the drivers side and is most likely totalled. We both have minor whiplash that hopefully won't get any worse.

The at fault driver was insured, but happens to have the same insurance as GF. GF already filed a claim with her insurance. We are waiting for a copy of the police report.

Having never been in a car accident before, we're not really sure what to do or what to look out for.

Should we be worried that the insurance for the at fault driver and our insurance is covered by the same company (Progressive)? Isn't it in their best interest to low ball the replacement cost of GF's car.
Should we consider seeing a doctor?We both have sore necks, but not having been in this situation before, we don't know if whiplash gets worse over time.
Is there anything else we should do or be on the lookout for?

Besides a ruined weekend, we're really bummed that GF's paid for FWF dream car is most likely totalled. ...and no, we're not really interested in a crown vic.
Personal Finance Deals
Bought a christmas gift, got 2
Added on : Saturday December 21st 2013 04:00:08 AM
g: 0 Posted By: Tegan
Views: 131 Replies: 1 I bought dad a pair of hearing aids for christmas and received a double order yesterday. I checked my paypal account and only found payment for one pair, and the company I bought from doesn't have my credit card. The shipping info emails I received both have the payment type as being cash/ pre-paid. I sent the below email to the company:

Hi,
I bought and paid for a set of hearing aids last week (left and right
ears), and received a double order today (1 set paid for and 1 set not
-- total of 4 hearing aids). My dad will try the hearing aids I bought,
but the other pair will need to be returned. Let me know the
procedure. Thanks

Received an email back from them today letting me know their system does show 2 orders from me. They then give me instructions on how to return the hearing aids and let me know there will be a 10% restocking fee... I'm assuming I'd have to eat the return postage and tracking number since the return policy makes no statement about that. I know when they do their books they'll get this straightened out... probably with sending me a bill in the mail, but I'm trying to figure out the best way to deal with it. -- I suppose if I return the extra set, I'll be out the shipping and they'll send me a refund that they will later want back. If I keep the hearing aids till they figure out the mistake they'll either bill me or expect them returned... my question would be who's going to end up paying the return shipping/ insurance/ tracking. If I end up doing it it will really take a bite out of the 10% discount code I used.
Personal Finance Deals
g: 0 Posted By: ryeny3
Views: 150 Replies: 0 The government has added a new "hardship exemption" from the individual mandateto people who received an insurance cancellation notice and consider the alternatives unaffordable. Although I am not advocating not buying any insurance, this exemption would allow the purchase of the catastrophic plans by people30 and older.

In some states the catastrophic plans may not be cheaper than other options. In NY, Empire offers a catastrophic plan for about $2,200 per year and a bronze plan for about $4,300 per year. One feature that this catastrophic plan offers are 3 PCP visits for $40 each BEFORE the deductible. Although the catastrophic plan has the least out-of-pocket costs, it also has the lowest maximum cost defined here as premium plus maximum out-of-pocket payments. In the best case the catastrophic plan costs less and in the worst case, it still costs less than Empire's cheapest bronze, silver, gold or platinum plans.

Link to announcement from the Centers for Medicare and Medicaid Services from Avik Roy's article:

http://b-i.forbesimg.com/theapothecary/files/2013/12/cancellatio...

Link to hardship exemption form:

http://marketplace.cms.gov/getofficialresources/publications-and...

I linked articles from Avik Roy and Ezra Klein about the latest change in the administration of the ACA. Although both write for Forbes, they have very different opinions of this law
.
http://www.forbes.com/sites/theapothecary/2013/12/20/utter-chaos...

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/12/19/the-o...
General Economics Deals
FHA loan vs. Conventional loan--which one is better?
Added on : Friday December 20th 2013 01:00:05 AM
g: 0 Posted By: dyslexiateechur
Views: 17 Replies: 0 I posted awhile back about owning several smaller rental houses but having issues getting financed for a larger house, due to medical collections. I was advised at that time to put it off for awhile, pay off my collections, and wait for my credit to improve on its on. I've done that and my credit is now high enough to qualify me for a mortgage.

We have found a house that we think we can pick up at a very good price that would fit our family's needs. I've turned in the paperwork, and now it's time to decide which route we want to go.

The house is listed at $159K, but we think we can get it between $120K and $130K. Our household income will be around in the $150K's for this next year.

Choice A:
FHA mortgage at 4.3% interest with $171 mortgage insurance required for the life of the loan. 3.5% down

Choice B:
Conventional Mortgage at 5.3% interest with $114 mortgage insurance required until we pay it 80% of the way down. 5% down.

We've got enough saved for the down payment, so that's not an issue.

I'm really thinking about going with B and paying it down to 80% right away. My husband thinks we can pay the house off completely within 3 years if we are aggressive, but with the fed getting ready to up interest rates, I'm not sure how wise that is.

Any advice would be greatly appreciated.
Health care obligation
Added on : Thursday December 19th 2013 07:00:11 AM
g: 1 Posted By: samandy
Views: 213 Replies: 2 Hi All

​I have a LLC, currently 2 member husband and wife ( no S corptreatment). I plan to buy a HSA small business health plan next year. At the same time , if I hire another employee for may company(full time)
​am Iobligatedto provide health insurance tonew employee as well? or allemployeesmust have health insurance if its a small business plan.

Thanks for your input!
Andy
Personal Finance Deals
Dr. Double-billing issue
Added on : Thursday December 19th 2013 07:00:10 AM
g: 0 Posted By: jj2292
Views: 51 Replies: 0 Can someone tell me if this is legal??!!

I had surgery (self-pay) with a doctor. He billed me for an additional surgery (never told me there would be an extra charge) that took place during the main surgery. I asked for them to put it through insurance to see what they would reimburse me, after paying $14000+ for the main surgery. I get reimbursed from the insurance company and pay the bill the doctor had given me. The doctor cashed my check AND now wants the insurance reimbursement check as well. He is out of network. Is this legal??? What can I do, if anything? They are now telling me they will add 50% to my bill if they have to put me in collections. WTF???!!!
Personal Finance Deals
Multiple Insurance Claims (Multiple Deductibles) - "One" Accident
Added on : Wednesday December 18th 2013 12:00:05 PM
g: 0 Posted By: mjohnson
Views: 132 Replies: 0 I was recently involved in a multiple car accident due to icy and snowy conditions in California.

My car slid off the road and hit the side of a hill. I was subsequently hit by a 2nd car that slid of the road as well. I also felt a 2nd impact (not sure if a 3rd car hit me, or if the 3rd car hit the 2nd car that was resting against mine).

Due to the conditions outside (snowing and safety), CHP had everyone stay in their cars (there were a total of 15-20 cars by the end of it) until they could get cars driving away or put on tow trucks and off the side of the highway. Due to these conditions, no information (names, insurance companies, etc) was exchanged between parties.

After informing my insurance (Wawanesa) I was told they had to open up 3 separate insurance claims, each with their own deductible (1 for when my car slid off, 1 for when I was hit by the 2nd car, and 1 for the 2nd impact my car had).

Does anyone have any experience in multiple car accidents and multiple claims each with a deductible? I would think one claim for the whole accident would be sufficient, not 3.....


Discussion Deals
Advise need, if I should put in cliam from Home Insurance
Added on : Wednesday December 18th 2013 09:00:07 AM
g: 0 Posted By: brreddy
Views: 130 Replies: 2 Thanks for looking. I have wooden flooring in the kitchen which has got damaged due to crack in the referigrator ice-maker plastic pipe that is behind. We had never noticed this until couple of weeks back when we had a party at home. Due to heavy usage of ice-maker, the crack seems to have got little bit wider and the water got into the flooring. We noticed this only next day, since I could see, some water seeping out through the crack between the flooring tiles. I think the cost of replacing the flooring the kitchen is about $2500 - 3000, I currently pay about $700 premium to my home insurance. I have never claimed anything from insurance for the past 7 years of home ownership. I am not sure, if I put in a claim, if it is going to impact my premiums to raise considerably next year;
And also, when I was searching online, I found claims related to flooring damage due to dishwasher malfunction. I am not sure, if the refirigerator is treated in the same way. If anyone has previous experience of putting in claim, it would be great, if you can share your experience in regarding to the damage and subsequent premium increases.

Personal Finance Deals
To Mortgage or Not to Mortgage
Added on : Wednesday December 18th 2013 09:00:07 AM
g: 1 Posted By: sweeterae
Views: 508 Replies: 5 I am a retired veteran 48 years old. My pension after taxes/dental/survivor benefit plan is about $1200 a month. Currently unemployed. My wife is 54 and makes about $10 hour/40hour week. We have medical/dental insurance. We just sold our home and currently have $126,000 in the bank with about $8000 in debt. We are fixing to buy another house for $99,900.00 and have arranged a 15 yr mortgage with a bank at 3.5% had to pay a point and 1/4 to buy it down to that rate. the payment with taxes and home owner insurance should be around $650 a month. Children are grown and out of the picture, we live simply. I will be getting a job but it may not be a major wage earner.

My question is does this make since and if not why? What would you do?
Personal Finance Deals
Financial Advice for Mid-Life(Crisis) Retired Veteran
Added on : Wednesday December 18th 2013 06:00:11 AM
g: 1 Posted By: sweeterae
Views: 333 Replies: 5 I am a retired veteran 48 years old. My pension after taxes/dental/survivor benefit plan is about $1200 a month. Currently unemployed. My wife is 54 and makes about $10 hour/40hour week. We have medical/dental insurance. We just sold our home and currently have $126,000 in the bank with about $8000 in debt. We are fixing to buy another house for $99,900.00 and have arranged a 15 yr mortgage with a bank at 3.5% had to pay a point and 1/4 to buy it down to that rate. the payment with taxes and home owner insurance should be around $650 a month. Children are grown and out of the picture, we live simply. I will be getting a job but it may not be a major wage earner.

My question is does this make since and if not why? What would you do?
Personal Finance Deals
What to Do.
Added on : Wednesday December 18th 2013 05:00:20 AM
g: 0 Posted By: sweeterae
Views: 93 Replies: 2 I am a retired veteran 48 years old. My pension after taxes/dental/survivor benefit plan is about $1200 a month. Currently unemployed. My wife is 54 and makes about $10 hour/40hour week. We have medical/dental insurance. We just sold our home and currently have $126,000 in the bank with about $8000 in debt. We are fixing to buy another house for $99,900.00 and have arranged a 15 yr mortgage with a bank at 3.5% had to pay a point and 1/4 to buy it down to that rate. the payment with taxes and home owner insurance should be around $650 a month. Children are grown and out of the picture, we live simply. I will be getting a job but it may not be a major wage earner.

My question is does this make since and if not why? What would you do?
Personal Finance Deals
Microsoft exec to oversee Obamacare website!
Added on : Tuesday December 17th 2013 08:00:09 AM
g: -2 Posted By: Marvinomatic
Views: 160 Replies: 5 After the Microsoft 12 days of Deals, fiasco, no one will be able to get insurance!

http://money.cnn.com/2013/12/17/technology/obamacare-website-mic...
Discussion Deals
Tenant Default Insurance paid off, surprisingly easy to claim
Added on : Monday December 16th 2013 04:00:09 PM
g: 1 Posted By: SoCalJohn
Views: 166 Replies: 0 I just had my first claim on a dead beat tenant that was not paying their rent on time. As a background, I foreclosed on a property where I was a hard money lender in the desert area of southern california, near palm springs. The property is an SFR built in 1973 and in pretty rough shape. I had a tenant in the unit that lost their source of income and gave me the 3 day notice that they were moving out. A couple of months went by and I had no action on the property. Then, I received a call from a company called Approved to Rent, they explained that they had a client that was interested, but was credit challenged and had previous issues. To insure that I would receive rent, they informed me of this tenant default insurance that guaranteed the lost payments in the event of a default. The tenant even agreed to pay $25 more in monthly rent to cover the $350 annual cost of the insurance. Over the course of 10 months, the tenant only paid the full amount due twice, she would claim repairs on the property etc. and deduct from the rent. I was lazy about sending her a pay or quit notice and kept hoping that she would turn around. Finally, she stopped paying rent altogether and I served a 3 day notice. She starting talking about her rights, legal aid, was I going to evict her etc. I agreed to not evict her if she voluntarily moved out and quick. She did and that is when I filed the claim. It was simply a 1-2 page form asking about the total amount of the loss, tenants name and signing an acknowledgement regarding fraud. On a property that was leased out for $875 per month, I received a $3005 check to bring me current. The policy covers up to $1000 in eviction or court costs, I had none. Has a 1 month deductible, which the security deposit covered and payment was prompt. The company is AON, here is more information. I took a picture of the check if anyone needs proof of payment.
Payments are made until you find a new tenant, more details can be found on the websitehttp://www.aonrentprotect.com/sites/Rent/Pages/Home.aspx

Question Deals
Tax implications - When is debt considered cancelled in a Deed In Lieu?
Added on : Monday December 16th 2013 12:00:08 PM
g: 0 Posted By: BocephusSTL
Views: 112 Replies: 0 My brother is going through a Deed-In-Lieu with BOA, and he is concerned about the potential tax liability if it's not completed by Dec. 31, because of the expiring Mortgage Forgiveness Debt Relief Act (MFDRA). They told him it's in the final stages of completion (post-closing dept.), but that it probably won't be fully completed for a couple of months. I'm hoping someone here might have relevant experience to determine when a DIL is considered complete for tax purposes.

The facts as he relayed them to me are:

His file is in the Post-Closing Dept. at BOA
The Warranty Deed where he signed the property back to BOA, and BOA's Deed of Release, have both been recorded with the county.
The post-closer said his incentive check is on the way.
He called the IRS, and was told that the determining factor for meeting the Dec. 31 deadline of the MFDRA expiration is that the debt must be cancelled by that date.
Post-closer told him she "thinks" the Deed of Release is the point at which the debt is considered cancelled, but she's not certain.
BOA still has to transfer the property to HUD, clear things off their books, report to CRAs, etc, which could take another couple of months.

The person at IRS told him that it's completely up to the bank as to when they consider the debt cancelled. The post-closer from the bank told him she "thinks" the recording date of the Deed of Release is what would be considered the date of debt cancellation in his case, but she wasn't sure. He is worried they won't consider it cancelled until it's fully off their books and reported to the CRAs. If that's after Dec. 31, the cancelled debt will be subject to taxes, which he can't pay so is obviously trying to avoid that situation.

Another question that came up when he talked to the IRS, could potentially make all of this moot. The IRS person told him that because it's an FHA loan,there technically won't be any cancelled debt because the mortgage insurance claim that will be paid to BOA effectively makes them whole. As a result, my brother won't be subject to income tax of the "cancelled debt". This kind of makes sense, but then again, it sounds too good to be true.

Any tax or legal experts here who can be any more definitive about these questions? I wore out my Google-Fu trying to get answers, but the only information I could find wasn't specific to these details.
Thanks!
Discussion Deals
g: 0 Posted By: limitsc
Views: 217 Replies: 1 I know this type of thing has been discussed at length on here and I have read a lot of it out of general interest (I am a new loan officer and try to learn when I can).

Still I am not 100% how to go about this situation, because I guess I thought when it came to stuff like this, the debt in collections was usually either valid where prior notice was given, or completely invalid (where the advice was usually to dispute and request validation).

In my case, I got a new job. Had insurance at old job, new job insurance didn't kick in for like 1.5 months. I take a prescription med, refilled monthly. A little over a month after starting my new job, it came time to get a refill. Honestly, I had no clue whether my old insurance was still active. I did ask several people, and was told that I would be notified when it was cut off. Still not 100% sure, I went to my pharmacy and spoke to them about the issue and whether I would have to pay out of pocket that month, which would have been fine...we are talking probably ~$200 vs the crappy $60 copay for that previous insurance. They said they would just submit it in their system and see, and once they did that they confirmed it was covered, no problem. I thought it was that simple, anyway. That was on 7/15/13.

Never heard anything else about it. By the next month (August), my new insurance had started. Also, I was on the phone with my old insurance several times around this time because I had to get a cert. of credible coverage. I am pretty sure I remember them saying they had not received notice of my cancellation and were going to do it at that point (because I had told them).

Fast forward to last Friday (12/13/13), I get a letter in the mail from RMS, what appears to be a collection agency. It states the INS company has placed my account for collection (for $130) due to overpayment on prescription drug coverage. It also says "They have sent you previous notice(s) on this account requesting payment." It also has a blank and asks me to furnish my phone number. So I am pretty upset at this, because I am 27 and started my credit when I was 18. I still have that first credit card that started with $250 CL and now is just south of $20K. I have over 35 accounts on my report without a single negative. Also, I would very much like to buy a house, hopefully in the next year. Also, I am pretty certain the INS company NEVER sent anything notifying me of this. The phone number they had on file was my parents' home number where I no longer reside, however I am certain that if they had ever called then my parents would have told me. I stop by weekly to pick up mail that still gets sent there also.

The only thing I have done so far is contact the original INS company today. The lady said that accoridng to her record, my coverage ended on 6/30, however they weren't notified until 7/28 which must have been why they approved the prescription on 7/15. She said I should have received notices, and could not explain why I did not and all she could do was apologize and tell me to call the collection agency. I don't care about the $130....if my coverage had ended then that's fine. My main concern is a collection account showing on my CR, but I feel like if I go ahead and pay the collector it will show up anyway. Does anyone have suggestions on how to proceed?
Question Deals
health insurance solution?
Added on : Saturday December 14th 2013 03:00:06 PM
g: 0 Posted By: honorabledeadbeat
Views: 56 Replies: 1 Our insurance company dropped our coverage because our plan was "non-compliant" with Obamacare and our state regulator said they didn't have to grandfather/extend it.

A "Bronze" ACA plan would cost us $630/month without subsidies. I have no idea how much money I will make next year but I probably will not qualify for subsidies. Still, it is a nice feature of that plan to know that if you don't make any money, you get part of your health insurance paid for in the form of a tax credit!

That being said, my existing plan has the same deductible as a bronze ACA plan for HALF THE MONTHLY PREMIUM!

Anyway, my solution to obamacare is to prepay for temporary, non-obabacare health insurance for the first 3 months of the year, ($2 million per person coverage, $5k deductible) for only $250/month. Then in early March I'll sign up for Obamacare (afterall, they have to take us no matter what!). There's even a chance that obamacare implodes and more free market plans come online.

The key is to be off of temporary insurance when the open enrollment window closes. Only use it when it is open.

Can anyone find any faults to my plan? It will save me $1200 next year and theoretically be just as good as if I were covered all year by the Bronze plan.



Discussion Deals
USAA -Auto Accident and repair shop SCAM?
Added on : Friday December 13th 2013 08:00:18 PM
g: -3 Posted By: ElephantNest
Views: 743 Replies: 26 I'll try to keep this short.

My employees were in an accident a couple of months ago, no injuries, other person's fault. Damage to my work truck was moderate. I call the other person's insurance (USAA) and file a claim. They tell me I can take the truck for a repair estimate to their approved repair shop (they have ONE out of 20+ in the area), a shop of my choice, or have someone from their company come out and estimate the damage. I agree to take it to their approved shop, since they are known locally for good repair work. They give me an estimate of ~$1300, which I felt was low from the moment they said it. I mentioned that, and they simply said if it ends up being more, we'll submit a supplement to USAA and they will pay for it.

This wasn't sitting well with me. I take it to the local GMC dealership, and they give me a repair estimate of $3600 to replace rear bumper, rear tail light, and repair and paint side of truck bed. He laughs at the $1300 estimate immediately. So I call USAA and inform them that I feel like they are trying to pull something over on me.....like funnel me into their one approved repair facility, then they give me an extremely low estimate so that I would: a) bring it to them and nowhere else since they're so "cheap", b) stop me from looking elsewhere for repairs c) stopping me from making an informed decision on if I want it repaired or not.

The truck is on '01 with fairly low miles, runs great, etc.

So I then call USAA to send in the other estimate. They tell me they ALREADY sent the $1300 check to the "approved repair company" even though I DID NOT approve it, accept their estimate, nor did I 'OK' the work, in any way, shape, or form. So after calming down, they assure me they can get the check back.....though the repair co. had already cashed it. So I have to wait for them to send USAA the $$ back, then wait for USAA to re-issue the check. I had to go over the original rep's head, because she rudely insisted that I cannot get a check sent to ME, only to repair companies. I told her this was BS because it was MY decision on if I even wanted to repair it or not. She just keeps talking louder, over my voice, won't let me speak, etc. I hang up on her, call back and demand a supervisor. The supervisor agrees to let me send in the new estimate, agrees to pay the difference, and sends out a check for $2300. Days after the woman I hung up on supposedly sent the $1300 check to me. So I get the $2300 check a few days ago, but NOT the $1300 one. They say it must have gotten lost in the mail, yeah, right.

Is this worth making a big stink over? I honestly feel that the repair shop knows exactly what they're doing. They give the ridiculously low bid to get them in, then submit their supplements, which USAA already told me they always pay.....so what incentive does the repair shop have to give anything BUT under-inflated estimates?? It gets people in the door, then they still get the $3600 or whatever they would "suddenly find" once there that would cost more than their $1300 original estimate. Like I mentioned before, the cost is so low one almost doesn't even consider NOT having the repairs done......

So I still have yet to receive the $1300 check, and this whole thing has left a terrible taste in my mouth about they way USAA and (more importantly) the repair shop does business. Though I think they know what the other is up to. I asked USAA for the records on the percentage of "supplements" the repair shop has submitted, and they don't keep those records, so they say.

Assuming I get the $1300 check in the next few days, should I do anything? Contact attorney to request repair records related to USAA and this particular shop? Let it go? Just fuming over the entire ordeal, and wonder how many others have been suckered into using their approved repair shops as requested by USAA.

Question Deals
Variable Universal Life Insurance
Added on : Friday December 13th 2013 05:00:14 AM
g: 0 Posted By: cobenthorn
Views: 159 Replies: 2 I have heard all bad things about this plan, but my financial advisor thinks it is a good idea. He is a fiduciary so supposedly no kickbacks.

I am 28 yo and have no retirement ye,t I am about to take a high paying job at $320,000 dollars a year. I am going to max out 403b with $17,500 with a $15,000 employer match. I amalso going to max roth IRA at$5,500 yearly. I currently have a 2 million dollarterm life insurance policy and I am rated atpremium plus basically as healthy as youget.I am going tosavean additional $4,000 dollars a month and since I am healthy my financial advisor thinks that a variable universal life insurance plan would be best since very little of this money would go to theinsurance part and the taxsavings would be worth it plus I could withdrawal prior to 59 1/2.

Everything I've read about these plans is bad, but my situation is somewhat unique. What do you all think should I go with this or is there a better option?

Thanks for the help.
Personal Finance Deals
USAA Auto Accident and SCAM?
Added on : Friday December 13th 2013 03:00:06 AM
g: -1 Posted By: ElephantNest
Views: 109 Replies: 6 I'll try to keep this short.

My employees were in an accident a couple of months ago, no injuries, other person's fault. Damage to my work truck was moderate. I call the other person's insurance (USAA) and file a claim. They tell me I can take the truck for a repair estimate to their approved repair shop (they have ONE out of 20+ in the area), a shop of my choice, or have someone from their company come out and estimate the damage. I agree to take it to their approved shop, since they are known locally for good repair work. They give me an estimate of ~$1300, which I felt was low from the moment they said it. I mentioned that, and they simply said if it ends up being more, we'll submit a supplement to USAA and they will pay for it.

This wasn't sitting well with me. I take it to the local GMC dealership, and they give me a repair estimate of $3600 to replace rear bumper, rear tail light, and repair and paint side of truck bed. He laughs at the $1300 estimate immediately. So I call USAA and inform them that I feel like they are trying to pull something over on me.....like funnel me into their one approved repair facility, then they give me an extremely low estimate so that I would: a) bring it to them and nowhere else since they're so "cheap", b) stop me from looking elsewhere for repairs c) stopping me from making an informed decision on if I want it repaired or not.

The truck is on '01 with fairly low miles, runs great, etc.

So I then call USAA to send in the other estimate. They tell me they ALREADY sent the $1300 check to the "approved repair company" even though I DID NOT approve it, accept their estimate, nor did I 'OK' the work, in any way, shape, or form. So after calming down, they assure me they can get the check back.....though the repair co. had already cashed it. So I have to wait for them to send USAA the $$ back, then wait for USAA to re-issue the check. I had to go over the original rep's head, because she rudely insisted that I cannot get a check sent to ME, only to repair companies. I told her this was BS because it was MY decision on if I even wanted to repair it or not. She just keeps talking louder, over my voice, won't let me speak, etc. I hang up on her, call back and demand a supervisor. The supervisor agrees to let me send in the new estimate, agrees to pay the difference, and sends out a check for $2300. Days after the woman I hung up on supposedly sent the $1300 check to me. So I get the $2300 check a few days ago, but NOT the $1300 one. They say it must have gotten lost in the mail, yeah, right.

Is this worth making a big stink over? I honestly feel that the repair shop knows exactly what they're doing. They give the ridiculously low bid to get them in, then submit their supplements, which USAA already told me they always pay.....so what incentive does the repair shop have to give anything BUT under-inflated estimates?? It gets people in the door, then they still get the $3600 or whatever they would "suddenly find" once there that would cost more than their $1300 original estimate. Like I mentioned before, the cost is so low one almost doesn't even consider NOT having the repairs done......

So I still have yet to receive the $1300 check, and this whole thing has left a terrible taste in my mouth about they way USAA and (more importantly) the repair shop does business. Though I think they know what the other is up to. I asked USAA for the records on the percentage of "supplements" the repair shop has submitted, and they don't keep those records, so they say.

Assuming I get the $1300 check in the next few days, should I do anything? Contact attorney to request repair records related to USAA and this particular shop? Let it go? Just fuming over the entire ordeal, and wonder how many others have been suckered into using their approved repair shops as requested by USAA.

Question Deals
40 and almost broke - need advice
Added on : Wednesday December 11th 2013 06:00:10 AM
g: 0 Posted By: Eagle357
Views: 370 Replies: 11 hello everyone, new guy here looking for some financial advice. this site was the first result from a google search for 'finance forum'.

anyway, story is that i am 40 yrs old with 3 kids. i seem to live paycheck by paycheck, and barely have anything left to save at the end of the month. i have been at my job for 10 yrs, but am thinking about quitting to pull out my retirement and start all over.

right now i have the following:
-$7500 in savings
-$130,000 in retirement
-$100,000 life insurance policy at current job

my debt:
-$10,000 credit card
-$4200 car1 ($270/mo. @ 6.8%)
-$12000 car2 ($330/mo. @ 4.5%)
-$15000 home equity loan ($220/mo.@ 8.8%)
-$123,000 mortgage ($1500/mo. inc. tax/ins. @ 3.8%, 10 yrs left, est. appraisal $160k)

i make enough to live decent, but i am not saving anything towards college education, emergencies, or anything. i have the option of staying at current job and paying down house and bills. or i can sell house and take out retirement. the 2nd option will allow me to pay off all bills, car notes, and be debt free completely and have about $105,000 left. i would have to reolcate and find another job though.

what would you do? i should say that i'm pretty thankful for what i have, but i feel i wasted 15+ years squandering money, a lot of which i had no control over and due to unexpected circumstances. thanks for listening.
Personal Finance Deals
g: 0 Posted By: attaallah
Views: 172 Replies: 0 Optimizer+plus CDs 1.15% APR for 15 MONTH on Balance $2000 or more,
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Investing Deals
Advice on job opportunity, financial planning...
Added on : Monday December 09th 2013 02:00:14 PM
g: 0 Posted By: peteron
Views: 386 Replies: 3 Hello FWers, my phd program is coming to an end, and I was recently awarded a postdoc fellowship at a govt research center located at mountainview, or silicon valley. The job will start in next April. Before accepting this offer, I have some concerns on financial arrangements. I was awarded a stipend of $64k, which I believe is non-taxable. My wife and 20 month son will relocate with me. Family insurance is shared between me and the research institute. I need to pay $167.55 monthly out of pocket. The insurance does NOT cover dental or vision.
About this job, I consider it a good opportunity - only the living cost is a concern to me. My phd program mostly produces scientists and professors. We donot earn 120k+bonuses like other new grads in the silicon valley tech companies.So this is not a discussion of 'why dont you find a better pay or go to industry?'. I mostly want to know how likely it is to maximize our living at (around) moutainview at my salary level.
My financials are: $20k in saving account. No student loans. No significant credit card debts. Car loan of $16800 with APR 0.71% (monthly payment is around $389). Car insurance of $472 for six months (Geico).We are not big spenders and always pay in full credit cards. I am thinking of starting to invest in stock in near future. My questions are, Is it like to rent a 2-bedroom or a big-size 1-bedroom at 1500-1800/month near the area? I will avoid the expensive places and a radius of 15-20 miles should be acceptable. Is public transit conveneient, so I can commute to save on gas? I will have to buy full coverage on the car since it is not paid off. I donot know how much would that be in MV. We usually go to Asian market to save on grocery, and I suspect this can be done at MV, am I right? Also I probably need to purchase dental and vision insurance by ourselves. Finally, there will be day care needs for my son... We are trying to save as much as we can, so we can start to own our own place once we settled down. Please give me advice or tips on how to arrange my finance at this new place.

Edit:
I am sure the stipend is not taxable, and should not have withholding.
Personal Finance Deals
Advice on job opportunity
Added on : Monday December 09th 2013 01:00:07 PM
g: 0 Posted By: peteron
Views: 48 Replies: 0 Hello FWers, my phd program is coming to an end, and I was recently awarded a postdoc fellowship at a govt research center located at mountainview, or silicon valley. The job will start in next April. Before accepting this offer, I have some concerns on financial arrangements. I was awarded a stipend of $64k, which I believe is non-taxable. My wife and 20 month son will relocate with me. Family insurance is shared between me and the research institute. I need to pay $167.55 monthly out of pocket. The insurance does NOT cover dental or vision.
About this job, I consider it a good opportunity - only the living cost is a concern to me. My phd program mostly produces scientists and professors. We donot earn 120k+bonuses like other new grads in the silicon valley tech companies.So this is not a discussion of 'why dont you find a better pay or go to industry?'. I mostly want to know how likely it is to maximize our living at (around) moutainview at my salary level.
My financials are: $20k in saving account. No student loans. No significant credit card debts. Car loan of $16800 with APR 0.71% (monthly payment is around $389). Car insurance of $472 for six months (Geico).We are not big spenders and always pay in full credit cards. I am thinking of starting to invest in stock in near future. My questions are, Is it like to rent a 2-bedroom at 1500/month near the area? I will avoid the expensive places and a radius of 15-20 miles should be acceptable. Is public transit conveneient, so I can commute to save on gas? I will have to buy full coverage on the car since it is not paid off. I donot know how much would that be in MV. We usually go to Asian market to save on grocery, and I suspect this can be done at MV, am I right? Finally, I probably need to purchase dental and vision insurance by ourselves. We are trying to save as much as we can, so we can start to own our own place once we settled down. Please give me advice or tips on how to arrange my finance at this new place.
Personal Finance Deals
Landlord Insurance Recommendation
Added on : Friday December 06th 2013 10:00:08 AM
g: 0 Posted By: ihad2buyit
Views: 101 Replies: 1 Hi Finance Community,

Currently looking to rent out my property in the Bay Area (California). For all the landlords out there, do you have any recommendations to Landlord Insurance providers out there? Usually, should it be cheaper than Home Owners Insurance for the same coverage? Just trying to gauge on what to expect when calling for a quote. Thanks.

Friend provided SafeCo (Subsidiary of Liberty Mutual) as a potential company - Anyone has any take on their reputation and coverage?
Real Estate Deals
Safest way to ship $1000+ in GCs
Added on : Friday December 06th 2013 06:00:09 AM
g: 0 Posted By: debtinator
Views: 20 Replies: 0 I'm sure that I'm not the only one doing this. I have been reselling gift cards, and often have to ship a larger quantity. Shipping the physical gift card pays significantly more 60-90 dollars per $1000, so I think its worth the hassle for 6-9% - shipping costs.

In the past I've been using USPS Registered Mail, but I'm wondering if that covers this loss, and also if Priority + Insurance would be sufficient. Also - if UPS or FedEx has a better option that would be great.
HSA/FSA mess up - need help fixing
Added on : Thursday December 05th 2013 04:00:08 PM
g: 0 Posted By: nagemnna2
Views: 170 Replies: 0 Good Day All,

I think I messed up with our FSA and HSA and I would like help fixing it if its even possible. We are both covered under the same health insurance plan. We switched from my employer's plan to his plan in May since his plan was much better. I have a dependent care and medical FSA though my employer. My spouses plan was an HSP with a HSA. I thought i read somewhere before setting this up that as long as I didn't double dip I could have both a FSA and a HSA, but everything I read over the last week says I can't unless its a limited FSA. I can't seem to find an IRS document to help me, any links are appreciated. Below is what we had/have and when we had it. My questions are: How bad did I mess up and what do I do now?

05-01-2012 - 04-30-2013

NOT HSPMedical/Dental/Vision Insurance through my employer for me + spouse - Ended 4/30/13
FSA Medical (Out-of-Pocket) Expenses though my employer Eligibility: 05-01-2012 - 04-30-2013 - contributed 900

05/01/13 - 12/01/13

HSP with HSAMedical/Dental/Vision Insurance through spouse's employer - for me + spouse- 05/01/13 - 12/01/13
HSA thoughspouse's employer- contributed 3000

12/01/13 and on

NOT HSP Medical/Dental/Vision Insurance through spouse's employer - for me + spouse - Started 12/1/13
FSA Medical (Out-of-Pocket) Expenses though my employer Eligibility: 05-01-2013 - 04-30-2014 - set to contribute 400 by 4/30/14
FSA Dependent Care Expenses though my employer Eligibility: 05-01-2013 - 04-30-2014 - set to contribute 5000 by 4/30/14


Personal Finance Deals
Payroll and health insurance questions for LLC
Added on : Thursday December 05th 2013 04:00:07 PM
g: 0 Posted By: samandy
Views: 88 Replies: 0 Hi

For a LLC(not being treated as S Corp):
1) Can I hire someone else on payroll?
2) Can I buy health insurance for employee but NOT for myself? I might get coverage through some other.
3) Will a company offer health insurance for just one employee?

Appreciate your input!

Question Deals
auto accident. wife in pain
Added on : Thursday December 05th 2013 04:00:06 PM
g: 0 Posted By: jblake86
Views: 143 Replies: 1 Earlier this week myself and my wife were going through an intersection and got hit by someone who in our minds ran a red light. Witness statements agreewith this. The accident Iitself iis going through due diligence. The problem I have is my wife has really sore legs starting today. She Iis in pain when walking up or down stairs or pretty much anything where her legs are used much. Normally I would just tell her to go to the doc and have it looked st. Problem is I just switched jobs and have no insurance until jan 1. What can the other driver be on the hook for and how should I handle this. I am by no means looking to screw anyone but without insurance (health) what are my options.?
Discussion Deals
Insurance claims that were pre existing conditions
Added on : Thursday December 05th 2013 03:00:06 PM
g: 0 Posted By: ridn4free
Views: 76 Replies: 1 I changed jobs and insurance companies this year, I had a injury in November and I got my last shot in January. I just want to pay the bill and add it too my deductible but the insurance called me and wants more info. Cant that just be added to my deductible or will that just be an expense I will have to pay ?
Question Deals
HDHP or Cash?
Added on : Thursday December 05th 2013 09:00:09 AM
g: 0 Posted By: hameshatumkochaha
Views: 119 Replies: 1 Hi,
I have HDHP insurance through my employer. For the last two years, I have been maxing out HSA and have not had a need to use money out of it thanks to good health.
If we want to visit a doctor for (A) small injuries / ailments which likely won't require repeat visits AND (B) repeat visits such as say pregnancy related,
then, for each scenario (A, B), what is a financially better thing to do: use HDHP-HSA OR cash?
The logic is: Say for this year (2013), if I use cash for scenario A, then HSA money keeps growing pre-tax. Hence cash option appears better.
For scenario B, can one use cash this year for say pre-pregnancy checkups and start using HDHP-HSA combo starting next year? I hope the insurance folks won't refer to the cash-visit as a "pre-existing condition" and hence deny coverage under HDHP...
Thanks in advance
Personal Finance Deals
Rental car in US less than 30 days:liability insurance from any credit card?
Added on : Wednesday December 04th 2013 02:00:10 PM
g: 0 Posted By: duna
Views: 70 Replies: 0 Friends say they decline all insurance for their car rental in the US for less than 30 days, because their credit card they used for paying for rental has rental car insurance coverage. I am confused : I do not know of any creduit cards that cover your liability coverage with such rental car being in accident and causing damage to an other car. Do you? ( Some mentioned AMEX cards--but I do not see liability coverage.) Any expert suggestions would be appreciated.
Car Rental Deals
USPS and possible small claims court.
Added on : Tuesday December 03rd 2013 01:00:06 PM
g: 0 Posted By: CptSavAHo
Views: 7 Replies: 0 Keep it short and simple.

I ordered a package from China through Aliexpress as goods for a part time and very profitable small business. The package cleared US Customs in early September. Initial tracking was fine, then it dropped off the map. Package reappeared in Atlanta, then a month later in CA. Now 3 months later it has not been delivered, and last tracking info was departing CA. 3 tracking inquiries with the USPS have resulted in zero progress, and I got one form email apology. Visiting the local post offices wasn't much more productive. They asked if it was insured, and I said no, and they are refusing to let me file a claim for the $260 value of the package. Now I would understand the insurance claim if it was damaged, or registered as delivered but not ever received, but this is a package they clearly lost. Any recourse through the postal system or any experience with a small claims filing? I can't believe that when I can show the goods purchased, the tracking through them and the clear evidence they lost the package that the claim would require that the Chinese shipper have purchased insurance.
Personal Finance Deals
Vibrant Pets 50% off all products. Cyber Monday sale
Added on : Monday December 02nd 2013 08:00:05 AM
g: 0 Posted By: titodj
Views: 84 Replies: 0 50% Off in all their products, use code "cybermonday"
www.vibrantpets.com



From their website: said:
Natural healing results you can see, and your pet will feel...
Is your pets diet more like fast food than gold standard? Are you tired of paying expensive vet bills for temporary solutions to chronic nutrition-based problems? Is your pets coat thick, shiny and lustrous or is it dull, thin, dry and brittle? What about his or her energy level? Could it be better, regardless of age?

At Vibrant Pets, we nurture your pets health, appearance and energy-level from the inside out because we believe that good nutrition is the foundation of vibrant health.

Our nutritional products are high quality and concentrated one scoop a day keeps the vet away.

With daily use, youll see noticeable results in your pets quality of life in two short weeks. Guaranteed!
The coat doesnt lie and neither do those bright and shining eyes!

For far less than 50 cents a day, treat your pet to the best health insurance nature can provide excellent high quality nutritional support from Vibrant Pets.
What Vibrant Pets will do for your pet!
Developed with small animal and equine Veterinarians, Animal and Human Nutritionists and Animal Feed Experts, Vibrant Pets has over 8 years of research and development along with 6 years in production. The results are in and reflected in the testimonials in this website, Vibrant Pets is proven to be:

- The Worlds Most Powerful All-in-One Pet Supplement in the world!
- The Worlds Most Effective Pet Supplement that helps alleviate most chronic and common health issues such as:
Depressed Immune System
Allergies
Arthritis
Lameness
Hot Spots
Excessive Shedding
Itchy Skin
Sores
Poor Digestion
Sensitive Stomach
Diarrhea
Poor Health
The World Most Cost Effective Pet Supplement For the average 70lb dog the cost is 58 per day or less than cup of a small McDonalds coffee. As the Testimonials on this Website clearly show, using Vibrant Pets will reduce your Vet bills.
The Worlds Best Guarantee See positive health results in 2 weeks or receive an immediate refund - no questions asked! Would your Vet return the money you paid if his treatment did not work in 2 weeks?
Have you tried test after test, antibiotics, and prescription food, even steroids to no avail? Then you need to try our unique Vibrant Pets Ultimate formulas designed to help maximize your pets health and performance on every level!

Maximizes your pet's health and performance on every level
Helps cure many medical conditions, even recurring issues and helps manage chronic conditions to maximize your pet's health
Provides the support your pet needs to maintain a healthy life
A healthy pet is a happy pet and a healthy pet has a happy owner
All this we guarantee
Trust your pets immune system to Vibrant Pets Ultimate Formulas
24 hour immune support small in size big in nutritional value
If you still have questions, please visit our FAQ page, read some of our client testimonials or simply navigate around our website and discover for yourself why vibrant pets will change your pet's life forever !


Pets Deals
please evaluate financial situation and advise?
Added on : Sunday December 01st 2013 03:00:17 AM
g: 0 Posted By: snsmith877
Views: 28 Replies: 0 Hi. I just joined this and want to ask you smart people for financial advice.
I'm 26, work in healthcare, 2 jobs, make about 50k. Have 9k in retirement savings, 1500 in emergency savings, I know that's not great but I paid off all my student loans a couple months ago. Since then I've been putting 17% in 401k. Emergency savings also was more but I had surgery last week and had complications, e.r. visit, hospitalization.. have no debt except for 3k in no interest medical debt from before I had insurance. I own my car.
I live with my boyfriend, the only bill I pay is water. I buy groceries a lot and gas in the car for work and whatever else. Boyfriend is kinda eccentric, saves money in a safe in his house. He makes way more than I do, has no health insurance, no debt, rents apartment, owns his own business and can never figure out how much taxes he has to pay. I've tried to b.s. him into marrying me so I can put him on my insurance but even I can't figure out if being married would save money or cost more in taxes etc. I did finally manage to convince him to get a credit card to start building a credit history.
Mainly I'm wondering if there's some kind of personal finance website for self employed people that you guys could recommend, and also what kind of retirement account he can get so he can get more return on investment than sitting in the safe. Right now the best plan I can come up with is to build my emergency fund back up and then just start saving twice as much money in my retirement account to make up for his lack of one.
I want to try to encourage him to manage his finances better but I don't feel like I have the knowledge to even give him good advice.
Personal Finance Deals
Condo Tub Drain Leaking Damage To Neighbor's Ceiling
Added on : Saturday November 30th 2013 09:00:21 AM
g: 0 Posted By: cdddazz
Views: 121 Replies: 1 I own a second story condo, there are no units above me. The unit below mine reported a leak in ceiling, above their tub, below my drain shower tub. I don't think HOA would play a role here as this is not a common element, and pipe is a drain attached o my tub. To replace, I will need to hire a plumber to cut through the drywall in the unit beneath me and fix the leak. I'm not sure what my insurance will cover yet since I won't be able to speak with an adjuster until Monday. My deductible is $500, but would obviously rather not go through insurance unless needed.

Am I responsible for repairing the leaking pipe or is this the neighbors responsibility?
If I am responsible for the above then am I also responsible for repairing and painting the neighbors ceiling as the plumber would need to make a hole to access leaking pipe.
Typically would my condo insurance cover any of this or would it fall on the neighbors insurance?
Personal Finance Deals
Claiming Long Term Disability?
Added on : Saturday November 30th 2013 06:00:09 AM
g: 0 Posted By: mastroadam
Views: 139 Replies: 1 Im asking a question for my mother-in-law from Portugal originally,
Im 47, Ive worked in New York since 1986, and I was diagnosed with stnosis. In addition I have tendonitis and plantar fasciitis on my right foot which makes my job as a nursing assistant very difficult. I am considering applying for disability, I have Unum short and long term disability insurance and in addition I have 1199 union benefits. I am planning to move to move to North Carolina early next year after I hit my five year mark as a nursing assistant so Ill have five years in the union. The disability covers about $1000/month and the union covers about 40%. What should I claim? What state should I claim it in? Should I wait till I hit my five year mark?Do I need any specific forms? Do I need a lawyer? I know nothing about this process so any other helpful tips would be appreciated.
Personal Finance Deals
Drop Insurance Claim
Added on : Friday November 29th 2013 10:00:12 AM
g: 0 Posted By: jaegermister2354
Views: 32 Replies: 0 All - I had my car vandalized and i filed an insurance claim expecting it to be much higher than 500 deductible. Now i found a Body Shop to do it for 650.
I think in the long run it may better to pay 650 and not file a claim, can i drop my insurance claim? Will it still be on my auto insurance record since i reported a claim?

Thanks
Personal Finance Deals