Fatwallet.com Finance Our Mission - Serve consumers with knowledge, value and guidance. http://www.fatwallet.comhttp://www.fatwallet.com/rss_tv.php?c=52FatWallet.comhttp://www.fatwallet.com <![CDATA[Condo + Car insurance gone up by 150$]]> http://www.fatwallet.com/forums/finance/1469684/ Rating: -2 Posted By: salilsurendran
Views: 326 Replies: 7


In December of 2012, I was quoted 489$ for condo insurance + 437$ for car. The pay period is 6 months. In 3 years for the same coverage my insurance is now 582$ and 476$ for car. Is this increase in cost justifiable?

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469684/ Tue, 24 Nov 2015 16:50:30 -0600
<![CDATA[Coinbase now has a Visa debit card for Bitcoin purchases.]]> http://www.fatwallet.com/forums/finance/1469657/ Rating: 0 Posted By: burgerwars
Views: 360 Replies: 0

Link (Shift Payments)In case anyone is interested. I have a few bitcoins, just so I'm not left out for when they're ever worth zillions. The card is $10, taken out of your account.

Discussion Deals

http://www.fatwallet.com/forums/finance/1469657/ Tue, 24 Nov 2015 13:28:24 -0600
<![CDATA[Bank accts that accept credit card for opening deposit]]> http://www.fatwallet.com/forums/finance/1469607/ Rating: -3 Posted By: RonZy
Views: 472 Replies: 1

As far as I can find, only Citi accepts credit card funding of a few thousand dollars.
Any other suggestions? OceanFirst is also ok, but serves a small area I'm not in.

Credit Deals

http://www.fatwallet.com/forums/finance/1469607/ Tue, 24 Nov 2015 09:09:20 -0600
<![CDATA[Amex FR]]> http://www.fatwallet.com/forums/finance/1469532/ Rating: -5 Posted By: jackwilliams20
Views: 1230 Replies: 24

OK, here goes....Im ready so wail away, LOL. Honestly, I would have been surprised if I didn't get a FR. I applied for 12 (I kid not) Amex CC's, Business, And Pleasure, and got approved for most. Just found I was flagged for FR. I called, they wanted 4506. Not looking for morals, looking for opinions: I lied on my applications left and right. I dont have a "business", and Im an unemployed forklift operator (A.K.A. house-husband), though wife works PT. I claimed Income of $90K when applying (again, not looking for judgements from goodie-2-shoe types, just Saying it like it is, so I obviously lied).
Basically, Im a churner and MS type dude. Should I bother sending them the 4506, or just screw the Amex company and move onto some other victims (I have About 20 Other Cards). I dont owe Any Balances, so I could easily cut and run. I have churned my way to 200k miles in United, was trying to pound Delta, but I could always wack someone else, LOL. Thoughts?

Deposits Deals

http://www.fatwallet.com/forums/finance/1469532/ Mon, 23 Nov 2015 21:04:49 -0600
<![CDATA[1099-misc (part time) eligible for solo 401k vs sep ira, or other retirement idea?]]> http://www.fatwallet.com/forums/finance/1469478/ Rating: 0 Posted By: nidm
Views: 767 Replies: 8

(btw, I read http://www.fatwallet.com/forums/finance/1469022/, and feel to confuse to follow. hence this post)

Here is my situation:
income:a w2-income + a 1099-misc income(as part-time contractor).
current retirement: max out 401k(provided by the w2 employer), max out backdoor roth-ira
(potential) 1099-miscincome: $20,000

Is there a way for me to open solo 401k so I can put all the $20K in it, to defer tax? Thanks


Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469478/ Mon, 23 Nov 2015 16:06:41 -0600
<![CDATA[Chase Sapphire Preferred 50k Pts after $4k/3mo bonus + 5k pts for Authorized User No Annual Fee]]> http://www.fatwallet.com/forums/finance/1469476/ Rating: 6 Posted By: IamN41
Views: 1615 Replies: 27

Chase Sapphire Preferred link

No annual fee first year, then $95.

$4k spending requirement in first 3 months to get 50,000 pts

another 5000 points for adding an authorized user

Credit Deals

http://www.fatwallet.com/forums/finance/1469476/ Mon, 23 Nov 2015 16:04:31 -0600
<![CDATA[Any ShareBuilder (Cap one) Black Friday Sale (Asset Xfer Bonus)?]]> http://www.fatwallet.com/forums/finance/1469461/ Rating: 0 Posted By: traderranger
Views: 680 Replies: 0

Any ShareBuilder (Capital One) asset transfer bonuses for this year?

Discussion Deals

http://www.fatwallet.com/forums/finance/1469461/ Mon, 23 Nov 2015 14:48:33 -0600
<![CDATA[Service Contract changes -- Am I overreacting? Buy2gig / LockNalarm]]> http://www.fatwallet.com/forums/finance/1469455/ Rating: 0 Posted By: Bend3r
Views: 786 Replies: 3

Directed mostly to people who regularly read their contracts before signing....

Last week I was requested to sign a new contract (link) with my alarm service company, Lock'N'Alarm / Locknalarm / Buy2gig. (Actually, they just said they needed the documents for my file, and didn't point out there were changes...) Planning to find another service provider at this point. There's several small changes (like pre-authorizing amount + 9%/yr for recurring charge, a new $50 service fee, many super anti-consumer provisions, etc), but one section really stood out as absurd to me.

I am wondering if anyone has seen anything similar. Here's the section:
"10. INSURANCE:The Subscriber shall maintain a policy of public liability, property damage, burglary and theft insurance under which AROUND THE CLOCK is named as insured, and under which the insurer agrees to indemnify and hold AROUND THE CLOCK harmless from and against all costs, expenses including attorneys fees and liability arising out of or based upon any and all claims, injuries and damages arising under this agreement, including, but not limited to, those claims, injuries and damages contributed to by AROUND THE CLOCKs negligent performance to any degree or its failure to perform any obligation. The minimum limits of liability of such insurance shall be one million dollars for any injury or death, and property damage, burglary and theft coverage in an amount necessary to indemnify Subscriber for property on its premises. AROUND THE CLOCK shall not be responsible for any portion of any loss or damage which is recovered or recoverable by the Subscriber from insurance covering such loss, or damage, or for such loss or damage against which the Subscriber is indemnified or insured."

Am I overreacting and it's normal for alarm company contracts to contain this? Where would I even obtain this insurance policy, contact my HO insurance company? Or, is this just already covered by a standard HO policy, and you just have to add the alarm company's name? (I know AMICA never asked me for the alarm company's name). I reviewed my HO policy and liability is 300k and it makes no mention of covering a security company's negligent performance. It does have an endorsement listed "HO 04 16 10 00 PREMISES ALARM OR FIRE PROTECTION SYSTEM", but does not enumerate that, may call Amica later today.

Discussion Deals

http://www.fatwallet.com/forums/finance/1469455/ Mon, 23 Nov 2015 14:19:26 -0600
<![CDATA[Denied on Credit App- Now they HAVE to be making up the denial list]]> http://www.fatwallet.com/forums/finance/1469342/ Rating: 2 Posted By: forbin4040
Views: 3044 Replies: 21

Just applied for an auto loan a few weeks ago.
Got approved with Pen Fed but the dealer wanted to run my credit.

Today I got a denial from Bank of America (Car already paid for by Pen Fed)

Reasons -
1) Avg Length of Credit
2) Number of Inquiries
3) The fico one, I forget what it was listed as.

Lets see #1 Over 15 years
Lets see #2 - 1. Yes 1 (Hello?Pen Fed preapproval)
#3 Over 750... (Even says the real number on the form itself)

Denied for having too little Length of Credit and too many inquiries and too low of a Fico score.. hahaha

Wow I guess they just push out some standard form that means absolutely nothing.

Come on BofA, can you at least put out REAL reasons for denying me credit? I did have garlic that day and maybe my breath was bad? hahaha

Edit : Just got one from USBank as well , not enough Down Payment...now that makes more sense than BofA as my down payment was zero.
And changed it to Avg Length of credt.

Credit Deals

http://www.fatwallet.com/forums/finance/1469342/ Sun, 22 Nov 2015 23:15:59 -0600
<![CDATA[I did not surrender my MS auto plate 8 years ago, what should I do now?]]> http://www.fatwallet.com/forums/finance/1469334/ Rating: 0 Posted By: ussrfw
Views: 1910 Replies: 20

I bought my first car at Hattiesburg MS in April 2007.
When I registered the car at the local tax office,I paid 2 years tax (~$600) and got one auto plate.

I moved to NJ in August 2007 and registered my car in NJ.
But I did not know I should surrender the MS auto plate. I am a brand new driver at that time.
I contacted the local tax office of MS, they told me the 2 years tax I paid could not be refund partially even I left MS a few months later.
I never received any forward letter from the local tax office or DMV of Mississippi to remind me to renew my registration.

I moved out of NJ last year, later I received a forwarded letter from the MVC of NJ. Remind me to paid the annual registration fee.
Then I search online and learned I should surrender my old auto plateafter I registered it in a new state.

Now what should I do with the old MS auto plate?
I am afraid if I mail it back to the local tax office or DMV of MS, they will charge me a big penalty.
The local tax office or DMV of Mississippi did not do debit collection on my SSN#. My credit report does not have any collection record.

Hope for suggestion!

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469334/ Sun, 22 Nov 2015 20:59:15 -0600
<![CDATA[Avoiding Car Sales Tax - recent thread]]> http://www.fatwallet.com/forums/finance/1469327/ Rating: -4 Posted By: walletfart
Views: 1347 Replies: 12

I've reviewed previous threads and they are all over the place.

Can we get a simple answer on how to avoid car sales tax as much as possible? It might be state-specific so just post a brief from your state.

Seems like it generally goes like this:
1. Find an out of state dealer who is willing to sell the car without collecting tax (or who will agree that you will be registering it in a no car sales tax state like OR)
2. Purchase the car with your temp tag (usually only about $20, based on FL)
3. Mail-in registration to a no car sales tax state (need info here - what do these states require to register and how to satisfy that)?
4. Use this tag for a while until you are exempt from transferring the registration to your final state.
5. Do a registration transfer to your final state.

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469327/ Sun, 22 Nov 2015 19:38:39 -0600
<![CDATA[Starwood Hotels -- POS were infected with malware]]> http://www.fatwallet.com/forums/finance/1469270/ Rating: 0 Posted By: cr3s
Views: 1044 Replies: 0

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469270/ Sun, 22 Nov 2015 11:35:23 -0600
<![CDATA[Inaccurate internet metering, caps and class action possibilities?]]> http://www.fatwallet.com/forums/finance/1469254/ Rating: 15 Posted By: verygreen
Views: 2869 Replies: 63

I guess this is a quite long message so the short version for the impatient is:
I really hate data caps, I suspect my ISP data metering is wildly inaccurate and I want to do something about it.

Long version:
My ISP introduced mandatory data caps in my area recently and somehow right after that the reported usage from ISP shot through the roof. No monetary impact so far yet since there were 3 "courtesy" overage waivers.
Also coincidentally I had a lot of travel last 3 months, and with nobody being home the internet usage should have went down considerably as nothing by some low volume automated services should have been using the network.
So I returned almost mid November from the travel I started in October and the ISP meter shows I used 140G of traffic or so, huh? And by Nov 19th I got an automated phone call telling me that I am over my data cap again (that's at 300G).
Pair this to my router internal statistics that shows in the last 70 or so days total number of bytes that went through its outer interface was ~250G and things start to look real fishy if they were not before.

Calling the ISP yields canned responses like "Somebody must have hacked your wifi". If you really press them, they transfer you to level 2 support that again tries to convince you it's your fault but if you insist, they open up a ticket for an engineer to take a look and to call back in a week (and no call back so far).

So I decided to perform a little "accuracy of metering experiment", I disconnected my home network from the ISP modem so that ISP modem stays powered on, but no traffic goes to it from my home network (no wifi in ISP modem). One would think this would lead to traffic meter to freeze still (after some initial jump due to backlog) , right? But alas, I am in day 3 of the experiment and just yesterday alone the meter increased by 21G.
I am having a timelapse camera taking a picture of the modem and disconnected cable every 10 seconds to curtail possible arguments of "you did not really disconnect". Also I am using internet via my cell phone for now that is tied into my whole home network so usage profile should pretty much match my previous usage patterns and in the same time I used about 3.3G.

Searching the internet, there does seem to be quite a bit of complaints about a similar thing with people enabling detailed traffic logs and getting wildly different results from the ISP meter. Reportedly if you lodge a complaint with FCC, the problems disappear.

So, looking at how widescale the issue apparently is and having the various evidence, I wonder if this whole "traffic meter" and "caps" issue could be nicked in the bud by a class action lawsuit or something similar? Second best outcome in my view would be if the ISPs would have really detailed logs available for people to look at and reconcile with their own records (the more detailed the better) and also somehow certify their meter code via something like FCC.
This is not even getting into the issue of no data caps in my contract when I initially signed up for service, let alone any overage fees.

So I wonder if something like that has a chance of succeeding and how do I look for a class action attorney for it, or should I just lodge an FCC complaint like others, publish a video of my little experiment to raise awareness of the issue and forget about this whole thing?
I would appreciate FW attorneys to express their opinions about merits of such a possible case.

Question Deals

http://www.fatwallet.com/forums/finance/1469254/ Sun, 22 Nov 2015 10:27:15 -0600
<![CDATA[Have $10k - $15k to spend on a car, what would you buy?]]> http://www.fatwallet.com/forums/finance/1469252/ Rating: 0 Posted By: Matrim33
Views: 2019 Replies: 61

Hi guys. Wife and I need to get rid of an auto loan and I have up to $15k to get a new (used) car with. Looking for ideas. My commute is very short so gas mileage isn't too important. My 3 requirements are: a comfortable ride, reliable (no known tranny or engine issues), and it has to be 4 door. Other than that it's all good. I'm in my mid-30s and this is really the first time I can really buy whatever I want. But I am having trouble coming up with ideas. Briefly looking around I kind of like the Jeep Grand Cherokee, no clue on how reliable they are, or how they drive. I'm not stuck on an SUV, but I liked the look.

If there is a 5 to 10 year old car that is a great car to you, maybe it runs forever, its super comfortable, great performance, whatever your reason I would love to hear why you like it.

My lifetime cars (in order): 88 Acura Integra, 92 Chevy S10, 89 Mitsuishi Montero, 96 Saab 900 Convertible, 05 Subaru Impreza, 13 Subaru Forester.

No crown vic please

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469252/ Sun, 22 Nov 2015 10:18:39 -0600
<![CDATA[BMW 2008 335xi SEIZED ENGINE WITH NO NEGLIGENCE ]]> http://www.fatwallet.com/forums/finance/1469180/ Rating: -10 Posted By: sugarmustafa
Views: 2937 Replies: 78

Hello from Massachusetts, I want to ask for help I have a situation going on with my 2008 335xi The mechanic is telling me because of the previous oil leak and the knocking sound which came up recently my motor is seized that I need to replace it, It has only 74,000 miles I want to fight it I had no aftermarket parts or faulty maintenance and serviced the car couple of times In BMW dealership for changing oil gasket sensors and cleaning the engine after all this repairs, Having to see the engine seized for no reason with the fact It put me in danger when I was on my way driving that I had to tow the car It's frustrating to hear engine is dead such low miles please help me with process to figure out my rights.

​Thank you

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469180/ Sat, 21 Nov 2015 19:47:39 -0600
<![CDATA[Illegal Airbnb Subletting ]]> http://www.fatwallet.com/forums/finance/1469179/ Rating: 16 Posted By: Herb
Views: 4774 Replies: 41

My cousin recently purchased an investment property and quickly found a tenant who signed a 2 year lease. Thirty days letter my cousin started getting letters from both the city and the HOA accusing her of illegal short term renting. She contacted the tenant who denies everything but they eventually find multiple Airbnb listings for her property. It turns out her tenant never intended to reside at the property. She has been renting out multiple properties and listing them on Airbnb as part of her "hotel" business. They were able to get the city and HOA to postpone any fines while they initiate the eviction process. The lease clearly forbids any subletting.

Anything else they can do besides go through the courts? The city seemed uninterested in going after the tenant for fines even though rentals are clearly illegal. The listings on Airbnb continue unabated despite contacting Airbnb directly--they simply said it is out of their hands. My cousins's current lawyer seems uninterested and incompetent and they will be meeting with someone new. Would Airbnb be liable for any further damages if they continued to list the property after being notified it is both illegal and contrary to the terms of the lease? Would it be worthwhile to report the other illegal listings to the appropriate cities to "motivate " the tenant? The property is located in Irvine, CA if that helps

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469179/ Sat, 21 Nov 2015 19:12:35 -0600
<![CDATA[Spot the secret in this scratch off game?]]> http://www.fatwallet.com/forums/finance/1469177/ Rating: 0 Posted By: yoyo2
Views: 2441 Replies: 53

Not sure where this belongs but I guess it is finance related.

So I went to a grocery chain store and noticed someone walked in with a stack of scratch off game tickets, in the tune of 20+ of them and every single one of them were winners. It caught my ears when the system scanned each ticket and announced "congrats!". The guy collected his winnings (about $150-$200), bought two scratch-offs from the service desk and walked to the second guy at the store entrance and they left. Upon asking the cashier, I was told these two were a team and came to this store every week to cash their winnings and then always buy 2-3 tickets before they left. They told the cashier they bought from all the other stores for those tickets and collected the winnings in this store that week. My guess was they were bs'ing the cashier and they probably did similar things at other stores. Now the cashier said it had been going on for a couple of years so I guessed likely they were making money.

Sounds like something is going on with that team but it really puzzled me how this could be sustainable. did they spot a loophole in the scratch off games? Did googling but couldn't find anything meaningful.

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469177/ Sat, 21 Nov 2015 18:38:26 -0600
<![CDATA[Tiny Home anyone?]]> http://www.fatwallet.com/forums/finance/1469135/ Rating: 0 Posted By: kdam001
Views: 1662 Replies: 23

Curious on your thoughts about owning a Tiny Home as a primary residence? Does anyone currently live in a Tiny Home willing to give input on this subject? Interested in live-ability and quality of life. I find the idea to make sense for my nomadic life style. I work seasonally during the Winter weather in the US and would probably live in a Tiny Home 6-months during the Spring/Summer/Fall in the Pacific-North West and rotating between a sail boat. I would say I am more minimalist than frugal.

Background 1:I should mention, I recently lived out of an RV for a year and traveled a bit on my bicycle living out of a tent (~2-years) not to long ago. Kind of miss the simplicity, minimalism aspect. A tiny home might make sense in an 'upgrade' too a comfortable living arrangement.

#2:Yes, I own a lot in Washington state. It has a fresh water well on-site. Located in a residential area overlooking the ocean.

#3:So, the city permits Accessory dwelling units (ADU) - aka "tiny home" on someones single-family house property which they define as "a second dwelling unit ...from a single-family detached dwelling". However, the ADU requires a permit. I don't think I would qualify for an ADU because the tiny home would be the primary dwelling unit and is the only building on the property. The city also does not require a permit for building a shed 200 SF or less; however, the shed is a non-liveable space. The neighbors may be a problem, as I surely be an eyesore to their McMansion's view of the ocean. Sewer.... well composting toilet, a small septic tank, or any other hipster, sustainable option for handling poo

Real Estate Deals

http://www.fatwallet.com/forums/finance/1469135/ Sat, 21 Nov 2015 12:03:01 -0600
<![CDATA[is a dentist office a small business?]]> http://www.fatwallet.com/forums/finance/1469061/ Rating: 0 Posted By: traderranger
Views: 1375 Replies: 7

i have a promo on 2 AmEx cards and must use them at a small business. if i pay my dentist will it be considered a small business purchase?

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469061/ Fri, 20 Nov 2015 21:24:01 -0600
<![CDATA[GoWallet Shutting Down]]> http://www.fatwallet.com/forums/finance/1469053/ Rating: 5 Posted By: NEDeals
Views: 3064 Replies: 13

GoWallet sent me a few emails that they are shutting down in "early 2016." Does anyone use GoWallet or remember what GoWallet is? I think I may have registered some Visa gift cards with them to find out what their balance was online. The amusing part is GoWallet informing everyone that GoWallet is no longer part of GoWallet's strategy. I can see why they may be having trouble.

GoWallet said: We have some very important news regarding your GoWallet account. GoWallet was created in 2011 as an application to help consumers store and manage their gift cards. As our business has grown and evolved, weve determined that GoWallet no longer fits with our company strategy, and have decided to retire GoWallet in early 2016. While you will still be able to access your GoWallet account and the gift cards youve stored in GoWallet until that time, please be sure to follow these important steps as soon as possible:

  1. Log in to your GoWallet account and keep a record of each gift cards retailer, card number (and PIN, if applicable) and balance.
  2. Hold on to your physical gift cards and/or the original emails containing your egifts in the event you need to reference any information printed on the back of the card or within the email.
  3. Keep an eye out for additional reminders and updates about GoWallets retirement in your inbox.
  4. To view important information and FAQs about GoWallets retirement, please click here.

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469053/ Fri, 20 Nov 2015 20:12:39 -0600
<![CDATA[Opening a fast bank account]]> http://www.fatwallet.com/forums/finance/1469030/ Rating: -4 Posted By: linjcalif
Views: 1535 Replies: 17

Good afternoon. Give advice.
Can you right now on the Internet, open a simple bank account: routing number + account number, online with instant confirmation? In order not to wait for verification of the application and use immediately. Or it might be not a bank and related agency that will give the bank account, which you can use immediately!
Thank you!

Deposits Deals

http://www.fatwallet.com/forums/finance/1469030/ Fri, 20 Nov 2015 16:02:40 -0600
<![CDATA[Self Employed solo 401K]]> http://www.fatwallet.com/forums/finance/1469022/ Rating: 0 Posted By: vkoppu
Views: 1258 Replies: 7

Can anyone help me with solo 401K planning. I'm Self employed IT consultant with SCorp projected income of $175K in 2015.I'm the only employee. Spouse not working.
Need best strategy to maximize 401K/retirement contributions and minimize payroll and income taxes as much as legally possible.

I'm thinking of paying myself $72.8K and $24K to my spouse as salary. Then me contributing ($18K+$18.2K (25% of salary) = $36.2K) to Solo 401K and my spouse contributing ($18K + $6K (25% of salary) = $24K)
Is this a right strategy?
For a similar position I was being paid $72.8K on W2 previously in 2014.That's why I decided to pay myself the same amount.
I'm 35 years old and have just $50K in retirement savings.I just want to boost my 401K savings as I've some flexibility this year as a self employed.
I would appreciate any inputs.

I found this calculator helpful.

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1469022/ Fri, 20 Nov 2015 15:06:49 -0600
<![CDATA[Healthcare Billing Question - Scam?]]> http://www.fatwallet.com/forums/finance/1469019/ Rating: 0 Posted By: hillwood24
Views: 1223 Replies: 10

I am attempting to make sense of how the medical billing and/or insurance process works, so hopefully someone with some experience in this area can chime in.

I am only 25 and hadnt been to the doctor in probably 7 years. A few months back, I went to my family doctor to get a routine check-up which included getting some blood taken to check my cholesterol, HIV, STDs, etc. My insurance makes me pay a quarterly deductible of $125, and then it pays 80% or 90% after the deductible is met. In this case, I paid the quarterly deductible of $125, plus another $35 (my 20% responsibility presumably).

Fast forward to today: I received a bill from the laboratory that evidently handled the blood work. At the time, I was not aware that a third party laboratory handled all of this because I never left the building (just went to a different room). They have invoiced me for $857 worth of services - $139 of which they say is my responsibility. The invoice shows my insurance company getting a $663 discount, and paying only $55.

What I am trying to understand is how the insurance company gets a $663 discount, yet I am forced to pay 100% of my portion. By willingly accepting $55 from the insurance company + my $139, the laboratory seems to be admitting that the services rendered are only worth $194, yet they invoiced us for $857.

The problem I have with the process is that by inflating the price of their services, I get stuck paying a much higher rate than it seems that I should almost 3 times what the insurance company paid (yet they are supposed to be 80% liable). If they are willing to accept $194 for the blood work, shouldnt it stand to reason that the 80/20 split should be made on the $194 price instead of the $857 price? Likewise, why is simple blood work billable for $857?

Is this the way it always works?

Note: I did e-mail the laboratory asking these questions, but they referred me to my insurance carrier. I dont see how they could be of any help.

Question Deals

http://www.fatwallet.com/forums/finance/1469019/ Fri, 20 Nov 2015 14:56:20 -0600
<![CDATA[Baby due date is 12/22.. any games I can play?]]> http://www.fatwallet.com/forums/finance/1468963/ Rating: 2 Posted By: KayK
Views: 2402 Replies: 34

Financial games.. not "peek-a-boo" type.
Also bought a house this year.. first time home owner.. not sure if it makes a difference or not.
I know 9-10 days might be cutting it close for some stuff, but what can I do to save money?

Discussion Deals

http://www.fatwallet.com/forums/finance/1468963/ Fri, 20 Nov 2015 09:41:23 -0600
<![CDATA[Collections Notice -gt; Automatic Credit Hit?]]> http://www.fatwallet.com/forums/finance/1468906/ Rating: 0 Posted By: jbg89
Views: 1329 Replies: 3

I suddently found that that I have a small <$30 overdue hospital bill in which i received a notice that it has been sent to a collections office (Dated as of 10 days ago. I willl immediately payit off online however wanted to know if this action would have hurt my credit at all, and if so, how I may repair it in any way.

I am very worried and can easily pay this bill but was on the edge of applying for a mortgage in the coming months.
Thanks for any help!

Credit Deals

http://www.fatwallet.com/forums/finance/1468906/ Thu, 19 Nov 2015 22:49:37 -0600
<![CDATA[Any way to take advantage of 1.75% HELOC?]]> http://www.fatwallet.com/forums/finance/1468896/ Rating: 0 Posted By: S197
Views: 1754 Replies: 14

My bank has offered me a HELOC for 1.75% APR for the first 24 months. At first I thought I could draw 24 months of mortgage payments and prepay(mortgage @ 3.375%) and save that way but when I run the amortization schedules, the math just doesn't work out. I have no debt outside my mortgage so there's nothing else to pay down. I'm racking my brain trying to think of a way to profit from this great rate but can't figure anything out. Any thoughts?

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1468896/ Thu, 19 Nov 2015 21:17:19 -0600
<![CDATA[Unused money in dependent care FSA]]> http://www.fatwallet.com/forums/finance/1468893/ Rating: 0 Posted By: itsmeprinceus
Views: 1781 Replies: 21

Hi All,

My son was going to day care till September and he stopped going because he was getting sick quite often. I have almost $1300 in the FSA now and they will be gone by end of the year. Can you please help me on how to get the money out of the account ?

Thanks as always !

Question Deals

http://www.fatwallet.com/forums/finance/1468893/ Thu, 19 Nov 2015 21:01:45 -0600
<![CDATA[Hi-Tech employee lawsuit settlement]]> http://www.fatwallet.com/forums/finance/1468892/ Rating: 0 Posted By: j39
Views: 1726 Replies: 6

Has anyone seen a check from the final 2015 settlement yet?

New User Question Deals

http://www.fatwallet.com/forums/finance/1468892/ Thu, 19 Nov 2015 20:38:24 -0600
<![CDATA[Cost Effective Ways to Buy Property from Parents]]> http://www.fatwallet.com/forums/finance/1468889/ Rating: -1 Posted By: caproperty
Views: 1566 Replies: 16

This thread is related tothis one. I need to figure out the most cost effective way to buy the California property from my parents. This is an all-cash purchase of a 500k property that I've been living in for the past few years. I'm not worried about any liens or other issues with the house.

The real estate attorney that I spoke with said he'd handle all of the paper work for 2% ($10k) and that if I went through a local brokerage they would charge 3% and the title company would charge 1% ($20k total). Both these numbers seem very high.

For those that have done this before...

  1. Do you need a real estateattorney at all? Is it possible to do this without paying expensive legal fees?
  2. If you do in fact need an attorney, how much would be reasonable to pay?

I'll keep the thread updated with any information I find. Hopefully it'll be useful for other FWFers. Thanks!

Real Estate Deals

http://www.fatwallet.com/forums/finance/1468889/ Thu, 19 Nov 2015 20:20:32 -0600
<![CDATA[Traffic Accident Groundhog Day Style - Who Pays?]]> http://www.fatwallet.com/forums/finance/1468866/ Rating: 0 Posted By: tree100
Views: 2589 Replies: 48

Background: I've had a recurring nightmare of traffic accidents within the last two months. Part of my daily commute exits the freeway and instead of a right turn light from the off-ramp to the exit street there is a right turn merge lane only (left turn is controlled by a light, just right turn is merge). I have been rear-ended three times in the last two months at this location. The orientation of the intersection requires you to careen your neck over your left shoulder to see if there is oncoming traffic or not. All three times, the driver behind me thought I had already gone, punched it to go themselves, and hit me. First accident was about 2 months ago. The next one was about 3 weeks ago. I got my car back from the shop Saturday from that repair and on my second day back to work this week got hit again. I've decided from this point to change my commute and avoid that intersection. The city should probably change something there, but that's another post.

So, today my neck is hurting. I can't say it didn't from either of the two previous accidents, it did. However, I haven't received any medical attention on any of the accidents at this point. The question is, when I do go in for care, do I mention just the latest accident? Do we discuss all three? Can the bill be divided between three claims? The first insured and the last are the same insurer, second claim is through a different company. I think the first already has opened a "medical" part to the claim but the other two haven't been listed as medical yet, if that makes any difference.

TIA for your input!

Discussion Deals

http://www.fatwallet.com/forums/finance/1468866/ Thu, 19 Nov 2015 17:50:01 -0600
<![CDATA[Balance transfer offer on a maxed out credit card]]> http://www.fatwallet.com/forums/finance/1468863/ Rating: 0 Posted By: BigFatMatt
Views: 1282 Replies: 4

Hey guys!
Sorry, if a similar question has been asked before.

I've got a balance transfer offer (0% APR) from a bank A. But the credit card is already maxed out. Let's say I have 10k balance on it, and I would be glad to keep the balance at 0% APR for an extra year cause I need some cash now. Is there any way to use that offer?

What do you think about this:

1) I pay off the 10k balance
2) I then make a 10k purchase with another credit card from a bank B, the bank B doesn't have the same offer obviously
3) I make a balance transfer from bank B tobank A
4) I make a return on the credit card from bank B
5) Finally, I have a 10k negative balance with bank B which I can use for purchases or make them send me a check, and I have a 10k balance with bank A at 0% APR.

Can this be considered a scam?


Credit Deals

http://www.fatwallet.com/forums/finance/1468863/ Thu, 19 Nov 2015 16:54:23 -0600
<![CDATA[HR Block Tax Software 2015 Deluxe + State $30 for Amazon download]]> http://www.fatwallet.com/forums/finance/1468841/ Rating: 1 Posted By: rpi1967
Views: 1598 Replies: 10

Deal Deals

http://www.fatwallet.com/forums/finance/1468841/ Thu, 19 Nov 2015 14:25:59 -0600
<![CDATA[What To Do With Borderline Total Loss Car Accident ]]> http://www.fatwallet.com/forums/finance/1468838/ Rating: 0 Posted By: sprintuser1
Views: 1631 Replies: 11

I was recently involved in a car accident (my fault) and the amount of damage to my car is at the borderline for a total loss. At this point, it sounds like the insurance is giving me the option to either repair my car or accept the total loss. Which option would you take if you were in this situation? Would accepting the total loss more negatively affect my record (and consequently increase my insurance rates more) due to the insurance's increased payout compared to having it repaired?

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1468838/ Thu, 19 Nov 2015 13:58:20 -0600
<![CDATA[Selling real estate in India and investing in USA]]> http://www.fatwallet.com/forums/finance/1468834/ Rating: 0 Posted By: irsragu
Views: 1419 Replies: 6


I am a US citizen and buying my primary residence. I I am thinking of selling some property back in India and repatriate the money here. The property in India was funded through US $. Now I know that when I reinvest the profits from the sale in India in another property, then i do not have to pay taxes. Can that property be in US too? Can I repatriate it tax free from India? How can I get away with as minimum tax as possible, legally? Any pointers appreciated.

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1468834/ Thu, 19 Nov 2015 13:39:29 -0600
<![CDATA[SeatGeek opens its own marketplace]]> http://www.fatwallet.com/forums/finance/1468813/ Rating: 0 Posted By: BrianGa
Views: 1310 Replies: 0

Attention those who sell on Stubhub.

Seatgeek opened its own marketplace with a 15% seller fee.

It appears that there is no buyer fee, so theoretically sellers may be able to command a higher return.

Discussion Deals

http://www.fatwallet.com/forums/finance/1468813/ Thu, 19 Nov 2015 11:14:58 -0600
<![CDATA[Affordable care act not profitable for United - will this cost you more - in the long run?]]> http://www.fatwallet.com/forums/finance/1468808/ Rating: 5 Posted By: tightpapa
Views: 4786 Replies: 109

They are jumping Ship

If one of the largest and presumably, by reputation and experience, the most sophisticated of the health plans out there cant make money on the exchanges, then one has to question whether the exchange as an institution is a viable enterprise, Skolnick said.

Discussion Deals

http://www.fatwallet.com/forums/finance/1468808/ Thu, 19 Nov 2015 10:37:59 -0600
<![CDATA[Getting a mortgage with just 1 tax return??]]> http://www.fatwallet.com/forums/finance/1468801/ Rating: 0 Posted By: Matrim33
Views: 1667 Replies: 16

Hi Guys. I have been shopping mortgages. My wife and I are in a tough spot with me being self-employed. My company showed a loss in 2014 with all of our write-offs. In 2015 I will show a decent profit. That coupled with my wife's job puts us at an attractive income level that will allow us get the house we want (and can afford).

Until yesterday everybody I talked to said they would average the last 2 years incomes from our tax returns. Yesterday I spoke with a gentleman from Guaranteed Rate who told me if my wife and I have 740+ Fico scores and are putting at least 20% down he could get our mortgage done with just 1 tax return. My wife and I are close to 800 with our credit scores with very little debt and will putting 20% down. Has anybody heard of this? I'm worried it's just a tactic to hook us and then he will tell us he tried but he needs 2 tax returns. Thanks!

Question Deals

http://www.fatwallet.com/forums/finance/1468801/ Thu, 19 Nov 2015 10:08:53 -0600
<![CDATA[Alliant Visa Platinum Rewards Card 50,000 bonus after you spend $2,500 ]]> http://www.fatwallet.com/forums/finance/1468799/ Rating: 1 Posted By: treasurebeacon
Views: 2501 Replies: 18

Buying gifts for friends & family this season? Now you can get a little something for yourself, too!Get 50,000 bonus points when you spend $2,500 on purchases within your first three billing cycles. Plus, there's no annual fee or balance transfer fee.
Start earning points today! Card must be opened by December 31, 2015, to be eligible for points offer. Use promo code VISA87E.


Credit Deals

http://www.fatwallet.com/forums/finance/1468799/ Thu, 19 Nov 2015 09:57:35 -0600
<![CDATA[Best way to sell high end watch?]]> http://www.fatwallet.com/forums/finance/1468797/ Rating: 0 Posted By: vaylon
Views: 1729 Replies: 8

I know that a few people on here actively get into Omega and Rolex watches, but do any of you guys have any advice on how to sell one other than eBay?

I checked on the omega forums and found lots of shops that would love for me to send them my watches but they are all in Europe and I don't feel comfortable sending a 5-10K watch overseas without some kind of guarantee.

Discussion Deals

http://www.fatwallet.com/forums/finance/1468797/ Thu, 19 Nov 2015 09:47:40 -0600
<![CDATA[Hawkeyes (Univ of Iowa) or Iowa folks: Iowa residents or Univ of Iowa folks- $100 for opening checking account]]> http://www.fatwallet.com/forums/finance/1468746/ Rating: 3 Posted By: FW10001
Views: 1382 Replies: 2

About 10 years ago, I signed up with UICCU, a credit union with excellent service and performance (see archived thread here).
The $100 new/$100 referrer bonus from them, valid for new accounts opened through Nov 30 2015, is the highest I've ever seen from them.

Just FYI, if it helps someone.

Note the fine print at the bottom of the offer page:http://referuiccu.org/
I cannot remember if it was a hard pull then, but I'd not be surprised if it is now.

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1468746/ Thu, 19 Nov 2015 00:43:08 -0600
<![CDATA[401K Maxing - Which is better? Max early or dollar cost average?]]> http://www.fatwallet.com/forums/finance/1468733/ Rating: 2 Posted By: ClovisCO
Views: 3541 Replies: 34

What is your opinion?

Let's say you're going to max out your 401K in 2016 and because of your pay structure you can either max out your 401K with the first check of 2016 or dollar cost average it over 2016.

Last year I opted to dollar cost average and will be maxed out by end of November. First year ever I've been able to do this; a personal milestone Dollar cost averaging yielded a YTD return of 1.27% followed by a much needed portfolio re balance. Too easy to just let that thing go on auto pilot...

Same choice again this coming year (2016) and I'm liking the idea of a single payment to have it "one and done" and out of the way for the year, which makes month to month budgeting a little easier. And more time in the market to grow.

This article points out since 1990 the 2nd half of the year has yielded a better return about 2 to 1 compared to the first half performing better.

Suggesting your likely to get a better return maxing out early in the year.


Thoughts and why?

Personal Finance Deals

http://www.fatwallet.com/forums/finance/1468733/ Wed, 18 Nov 2015 22:03:59 -0600
<![CDATA[Alliant CU Visa Platinum Rewards offer: 3x points for $3K+ spend through Dec 31]]> http://www.fatwallet.com/forums/finance/1468725/ Rating: 0 Posted By: curtster
Views: 1399 Replies: 1

Received this email today. The synopsis:
The more you spend, the more exciting rewards youll earn!1
Earn 1 point per dollar when you spend $0 $999
Earn 2 points per dollar when you spend $1,000 $2,999
Earn 3 points per dollar when you spend $3,000+
Promotion valid now through December 31, 2015. No need to signup, you are automatically eligible for this offer.

The fine print:

1 This offer is not transferable. Only those members selected to participate in this offer are eligible. Points are eligible on qualified transactions made from November 2, 2015, to December 31, 2015, as follows; one Alliant Rewards point per dollar spent will be issued for completing $0 to $999.99 in qualified monthly purchase transactions; two Alliant Rewards points per dollar spent will be issued for completing $1,000 to $2,999.99 in qualified monthly purchase transactions; three Alliant Rewards points per dollar spent will be issued for completing $3,000 or more in qualified monthly purchase transactions. Alliant shall determine which purchases qualify. Alliant Credit Union is not responsible for purchases which are misclassified by the merchant. Qualified purchases do not include balance transfers, cash advances, statement or convenience checks, returns, finance charges, fees, foreign transaction currency conversion charges or Debt Protection charges. Alliant Rewards points may not be used with any other offer, promotion or discount. Points will be posted to your account at the close of each billing cycle. Subject to your available credit limit.

Not a huge deal, but the points are redeemable for statement credit at $1/point, and it will hopefully stack with other bonuses - for instance, I already spent $400 at CVS this month for a 5x bonus and hopefully they will offer it again next month.

Credit Deals

http://www.fatwallet.com/forums/finance/1468725/ Wed, 18 Nov 2015 20:35:03 -0600
<![CDATA[Tuition reimbursement question ]]> http://www.fatwallet.com/forums/finance/1468718/ Rating: 0 Posted By: brialeigh
Views: 1622 Replies: 6

Disclaimer: I'm looking for other people's personal experiences not legal advice.

So I finished my masters degree in april and I have effectively paid back 7 out of 36 Months owed to my employer. My total amount due is still around 19k. My employer pays this as income, not money paid to the school. Anyway, I have chosen to leave and accepted another position elsewhere. ( I want to be clear here, I had every intention on staying the full 36 Months. However, in never before seen circumstances, the company has taken a wild and unfortunate turn and locked out the union. This means for all salary employees: 12 To 16 hour shfts, 6 to 7 days a week. A variable wildly changing schedule, working on equipment theyve never touched before, while also performing their regular job. Vacation is cancelled indefinitely, and yiu must have a Dr's excuse to take any time off your regular schedule which for most people is at least 72 hours. It is expected this could go on for 2 years. There have already been several accidents at rhe picket lines and things are steadily becoming violent and dangerous. I also have a medical condition I am working through diagnosing and so taking alot Of time for appointments is an issue, as well as not having a solid diagnosis means I can't yet get fmla papers to be granted a few hours a week for appointments) . We've been doing it for a while now, and I'm at a point where I feel like I'm in a constant state of crisis and panic. I simply cannot live this way any longer. The consequences of what the company could do if I can't repay it is far less important than getting a brick thrown at my windshield on my way into work. I say this, because simply staying 2.5 more years was not a reasonable option. So with that said, I need to repay my reimbursement. The new job is a pay increase so not a humongous issue if I can pay it monthly. I was contacted by hr And they said they will be able to take a lump sum down, and the rest monthly.

Here lies my problem. 1) they aren't willing to write me a new contract saying it will be monthly, nor are they willing to state what the late payment penalty or non payment penalty is. I asked this because in several years anything could happen including loss of my job or an accident where I am unable to pay, or pay all of my payment if it is several hundred dollars. They have been very vague and kept telling me they have to ask skin someone else. I've tried consulting a lawyer, however every lawyer I speak to assumes I'm trying to get out of paying. I'm just trying to protect myself in the event that nothing happens down the road that I wasn't prepared for.

2) what will happen regarding taxes?

Tax Deals

http://www.fatwallet.com/forums/finance/1468718/ Wed, 18 Nov 2015 19:20:22 -0600
<![CDATA[RSUs and Corporate Takeover]]> http://www.fatwallet.com/forums/finance/1468715/ Rating: 0 Posted By: micha8s
Views: 1479 Replies: 8

So, apparently the end is coming near for my current employer -- they are being bought (acquired) by a competitor in the same field of business. I have some apprehension, although I have not heard of any potential cuts in my department, it might come eventually. Others have been told outright of decimation to their organizations.

My question relates to company stock. I have not participated in an ESPP, but I have been a beneficiary in company stock; first in the form of Exercised Stock Options (which have been exercised), and also Vested RSUs. Both the exercised options and vested stock units are held in in the chosen broker of my corporate overlords -- Morgan Stanley -- both StockPlan Connect (the majority -- vested RSUs -- are held here) and ClientServ (where the Stock Options are held).

It dawned on my very recently that there might be some benefit to holding the vested RSUs separate from the unvested --either by putting all of them into ClientServ, or by moving them all to Ameritrade, my general brokerage.

I'm looking for opinions as to where's best to move them around, or just leave them be. Time is a factor; rumor would have the actual merger date to be approximately 3 weeks away.

As an aside, moving from Morgan Stanley to Ameritrade has the added complication that both Morgan Stanley accounts are in my name, but the Ameritrade account is JTWROS (and will probably require additional effort to make occur.

General Economics Deals

http://www.fatwallet.com/forums/finance/1468715/ Wed, 18 Nov 2015 18:29:46 -0600
<![CDATA[Lease Break & Renovation time - Bay area]]> http://www.fatwallet.com/forums/finance/1468698/ Rating: 2 Posted By: newunknown
Views: 1724 Replies: 14


I want to break the lease, Management is asking for either 2 months or their financial loss till new tenant comes.
Management is saying they need 4-6 weeks for renovation of the apartment and then till the new tenant comes I have to pay.
Does anybody know whether 4-6 weeks renovation time is a valid ask ?


Real Estate Deals

http://www.fatwallet.com/forums/finance/1468698/ Wed, 18 Nov 2015 15:52:26 -0600
<![CDATA[Question about manufactured spending]]> http://www.fatwallet.com/forums/finance/1468680/ Rating: -6 Posted By: fleetwoodmac
Views: 2181 Replies: 28

I read many articles and forum postings but here is what I am not clear

I am trying to find the least expensive way to do this. Up until now, I was buying AX GCs with no cost at all and spend them in several months

But this is not possible if I want to go beyond 4-5K every 3 months. So I read about Serve and Bluebird cards and here is the question

Which credit cards or gift cards can load to Serve or Bluebird and what is the fee?

How do you convert the balance in Serve or Bluebird to Money order or cash and what is the fee?

Credit Deals

http://www.fatwallet.com/forums/finance/1468680/ Wed, 18 Nov 2015 13:41:07 -0600
<![CDATA[Chase AARP Credit card - $200 after $500 spend 3% CB Gas & Restaurant & NAF]]> http://www.fatwallet.com/forums/finance/1468661/ Rating: 2 Posted By: MisterEd
Views: 3682 Replies: 36

Just got this in the snailmail today. No "special invitation code" just a link: www.getaarpcreditcard.com/oct

Includes 0% APR for 1 year, No AF. 3% restaurants & gas and 1% CB on the rest, Good through 12/31. Not sure if you need to be old to qualify, I am.

AARP member number required on app. Standard Chase disclaimer for previous card holder (in)eligibility.

Credit Deals

http://www.fatwallet.com/forums/finance/1468661/ Wed, 18 Nov 2015 11:03:44 -0600
<![CDATA[Redfin/Zillow, help understanding prices for newbie]]> http://www.fatwallet.com/forums/finance/1468637/ Rating: 0 Posted By: chyamor1
Views: 1753 Replies: 6

Ive started looking at a condo to buy and the one thing I don't understand is why do some places sell for so much less than others in the same area? For example. looking at the recently sold listings I see a place selling for $150k and $155k when the average area listing is $220k. Why did those 2 places sell far below area market value?

I am just in the adding numbers to see if it makes sense stage so trying to fully understand how things work in real estate. I know there are a few hundred real estate threads on here but trying to filter through them is difficult. If you have links or reading material which can answer this question feel free to post and I'll do the rest.

Real Estate Deals

http://www.fatwallet.com/forums/finance/1468637/ Wed, 18 Nov 2015 08:46:33 -0600
<![CDATA[Rental property most common & biggest maintenance expenses ]]> http://www.fatwallet.com/forums/finance/1468636/ Rating: -2 Posted By: axaa
Views: 1774 Replies: 9

What are some of the things that constantly need fixing in a rental property ?
What is most you have paid for maintenance bill ?


Discussion Deals

http://www.fatwallet.com/forums/finance/1468636/ Wed, 18 Nov 2015 08:42:20 -0600
<![CDATA[Hope in the fight against 'predatory towing'?]]> http://www.fatwallet.com/forums/finance/1468624/ Rating: 7 Posted By: tuphat
Views: 4865 Replies: 79

Since we discuss all manner of legal & driving issues in FWF --

There's a provision in the House-passed highway bill that would, once and for all, restore local governments' ability to fully regulate "predatory towing." It would eliminate a 20-year old loophole in federal law that these companies have used to avoid or blunt such regulation. Although the links below focus on the problem in the metro DC area, it's really a national problem, at least in densely populated areas. Hopefully this provision will survive the upcoming House-Senate conference on the underlying bill.


ETA: Just to be clear: This provision restores to local government the ability to fully regulate non-consensual towing. Personally, I'm a big believer in private property rights and I don't park where I'm not allowed. But local government needs the ability to set rules and parameters, e.g., what happens if you come back while the car is being hooked up, before it's towed? Can a car be towed out of the county/city? Is the tow company required to accept credit cards? In the absence of such rules, the tow companies just make up their own.

Discussion Deals

http://www.fatwallet.com/forums/finance/1468624/ Wed, 18 Nov 2015 06:55:48 -0600