warren
  • Member for 11 years, 5 months
  • Last seen more than a month ago
Where do you pay state tax if you live in NC and work 100% remotely for place in PA?
1 votes

I've been in your shoes for quite some time, though with different state pairings. You may owe taxes to the state where the company is located. And you may owe taxes to the state in which you live. I ...

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Do premiums go up after making an vehicle insurance claim?
1 votes

They may go up. Or they may not. Personally, if the costs of your cosmetic fixes aren't that much more than your deductible (get quotes ahead of time), I wouldn't report it. I had a similar case ...

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As of 2017, can I file 1040NR or 1040NR-EZ online?
2 votes

I believe TaxAct (whom I use, but have no affiliation with otherwise) will let you file the 1040NR electronically. See https://www.taxact.com/support/19030/2016/form-1040nr-and-form-1040nr-ez for ...

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Should I go further to confirm that my credit card is closed?
3 votes

Did you pay the $0.30 final balance? If there's no balance, and Chase has told you (twice) it's closed, then it's closed.

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Are Kentucky vehicle property taxes paid in arrears or advance?
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1 votes

You pay in advance - and there are no refunds. I bought a van last fall, and paid no property tax on it, because it was already covered through whatever end date the registration had. I will pay ...

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Do I need Personal Injury Protection if we have great health insurance?
-2 votes

In all probability, having lower coverage levels will result in higher premiums. As my insurance agent explained to me, the higher your coverages, the lower the insurance company believes your risk ...

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Are car insurances in some states (in USA) typically sold for 6 months at a time?
Accepted answer
2 votes

It varies per state. In NY I could do 6 or 12 months when I lived there. In NC was the same, at least a few years ago. In KY, to the best of my knowledge, you do a year. There are also ...

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Automating high- bank or credit union requirements (e.g. X debit card transactions per month)
Accepted answer
1 votes

As @AbraCadaver said, anything you autopay with your debit card as a CC card "counts". A small example from my own budget: internet netflix huluplus water trash gas electric cell phone car insurance ...

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How can I transfer my money between US/Canada bank accounts with as little loss as possible?
2 votes

My solution when I lived in Singapore was to open an account with HSBC, who at the time also had branches in the US. When I was home, I used the same debit card, and the bank only charged a nominal ...

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What are some creative ways to run up my credit card bill without any cost to me?
-4 votes

Do you own your own home, or some land? Buy materials and/or completed outbuildings (sheds, etc) Do a small renovation on your house Do some landscaping, gardening, etc

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What's the best online tool that can track my entire portfolio including gains/losses?
1 votes

Mint.com does this quite well. The graph views of your budgets, investments, debts, and other aspects of your financial life can be shown in gestalt, or on a per-account basis (at least, it does for ...

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I just made $50K from selling my house. How should I invest the proceeds?
Accepted answer
7 votes

It sounds like you want to lock-up your money in something relatively safe, and relatively hard to touch. You may want to consider a GIC (TD has one I found in a quick search) - from what I see it's ...

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Is there a service to find the best & least expensive term life insurance?
5 votes

{Not an endorsement} I used SelectQuote.com for my wife and I last year. This is precisely what they offer to do.

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When should I start saving/investing for my retirement?
2 votes

My basic rule I tell everyone who will listen is to always live like you're a college student - if you could make it on $20k a year, when you get your first "real" job at $40k (eg), put all the rest ...

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Benjamin Graham: Minimum Size of the company
6 votes

If you look at the value as a composite, as Graham seems to, then look at its constituent parts (which you can get off any financials sheet they file with the SEC): Total annual sales Total assets ...

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Financing with two mortgages: a thing of the past?
2 votes

You can't get a HELOC, to the best of my knowledge, without actually "owning" the house. If you get an 80% mortgage (of the purchase price - not the appraised value, btw), you still need 20% as a ...

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Are Square credit card readers practical for individual use?
23 votes

Direct from Square Support in an email to me today when I asked this very question: Thanks for writing in. You can certainly use Square for personal use. When activating your account, you’ll be ...

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Whether to prepay mortgage or invest in stocks
1 votes

In all likelihood, the best thing you can do, if these really are your only two options (ie no other debt at all), paying-down your mortgage will shorten the term of the mortgage, and mean you spend ...

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Is it worth paying off my loan early with only 4 payments left?
0 votes

So long as there is no pre-payment penalty (already mentioned that it is illegal in some states - and very uncommon in any event), and presuming it is not a front-loaded loan like a mortgage, then yes ...

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Do banks accept a large gift to me as a valid down payment for a house?
1 votes

The gift issue, as explained to me by the mortgage officer at our credit union, is that they look at the average balance of your checking/savings accounts of the 3-6 months prior to mortgage issuance ...

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How to pay U.S. bills while living in Canada with Canadian income?
3 votes

From personal experience of having been abroad for a while for work, I found the simplest method to be to Paypal it to myself from one country to the other. Yes, you incur a transaction fee - but it ...

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Is my first 401(k) fund allocation reasonable, and with respect to fees?
8 votes

That's a lot of manual checking-in to see if everything is performing the way you "want". Not to insult your intelligence, but that is not your job, and doing that on a monthly basis is going to eat ...

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New car price was negotiated as a "cash deal". Will the price change if I finance instead?
2 votes

Yes, he can retract the offer - it was a cash-only offer, and if you're financing, it's no longer "cash". Unless, of course, you get the financing through your local bank / credit union, and they ...

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A merchant requests that checks be made out to "Cash". Should I be suspicious?
7 votes

To put a positive spin on the whole thing, maybe it's a small family shop, and having the check made out to "cash" means that your barber can hand it to someone else without the need to countersign. ...

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Can someone help me understand my student loans?
2 votes

The first loan looks like it did not have its interest subsidized while you were in school, so interest was accruing eventhough you didn't have to start making payments on it yet. With the $73 ...

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Strategies for putting away money for a child's future (college, etc.)?
2 votes

Saving for school is [fundamentally] no different than saving for any other major purchase: in addition to some of the great answers already provided, here are a couple other thoughts: if either you ...

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If accepting more than $10K in cash for a used boat, should I worry about counterfeiting?
1 votes

The only issue I can see is that the stranger is looking to undervalue their purchase to save money on taxes/registration (if applicable in your state). Buying items with cash such as cars, boats, ...

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Car insurance for infrequent drivers
Accepted answer
9 votes

To add to the previous comments and answer, every 2-3 years (or sometimes more, if you're willing/able), you should shop around to compare auto insurance rates. Lots of times your current rate is ...

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I am thinking about cancelling my car insurance. Will there be any hidden costs down the road?
2 votes

Depending on your state (NY is one), if you cancel your insurance, you must also turn-in your plates.

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What are the risks in changing jobs during closing on a house?
1 votes

I had to do something similar when getting a new rental home earlier this year, and both my soon-to-be-ex and upcoming employers supplied verification of employment to the rental company.

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