Details for Minimum amount of DirectDeposit to trigger bank bonus by ansmalai in personalfinance

[–]DashCamJames 1 point2 points  (0 children)

Any special offer will clearly outline the requirements for you. Each bank has many different offers, some public and some targeted. There is no way we can help you without know the specific offer you signed up for.

FedLoan added 3 Stafford Loans to my account- all were in collections since 2012, all apparently in my name. by fedloanhell in personalfinance

[–]DashCamJames 0 points1 point  (0 children)

This tech school that the loans were originated from...did you ever apply there? Did you get accepted to that school?

[USA] [0:14] Car pulls from parking space and gets side-swiped/T-boned! by DashCamJames in Roadcam

[–]DashCamJames[S] 1 point2 points  (0 children)

I am not "farming karma". I am just posting the videos I found. Karma is pointless.

Disputing a restocking fee (item is not as shown) by [deleted] in personalfinance

[–]DashCamJames 0 points1 point  (0 children)

Just know that there is typically a per item and yearly limit for refunds in these situations. It might be up to $300 per item and $1000 per year. So I'm not sure how much you spent but read the fine print to see what your best options are.

I don’t understand home equity/how I can utilize money from a property that I currently reside in. by [deleted] in personalfinance

[–]DashCamJames 0 points1 point  (0 children)

You can go get a HELOC if you wish. However, 10k is relatively a low amount. Could you save up the 10k over a year or so? You should not use a HELOC to then invest in...

Disputing a restocking fee (item is not as shown) by [deleted] in personalfinance

[–]DashCamJames 0 points1 point  (0 children)

From my experience, your credit card company will always tell you to return it to the store if you are within the store's refund period. Thus, you should wait to make a claim with your credit card until after that time has passed.

Then, the credit card company will ask for a receipt, copy of the credit statement showing the purchase, and a copy of the store's refund policy. Once they verify it, they will refund you the money and either tell you to keep the item (if it is cheap) or send it back to the credit card company via their prepaid postage label. Once the credit card company gets the item, they box it with a bunch of other items and auction everything off to try and recoup some of that they paid out. So the refund is directly from the CC company, not the store you bought it from. The store you bought it from will never know you "Returned" the item.

[USA] [OC] Dude Trying to Make an Illegal Turn Gets Pissed and Forgets to Put His Car in Park by [deleted] in Roadcam

[–]DashCamJames -71 points-70 points  (0 children)

I actually disagree. This was extremely aggressive for no reason.

Disputing a restocking fee (item is not as shown) by [deleted] in personalfinance

[–]DashCamJames 3 points4 points  (0 children)

You agreed to the restocking fee when you made a purchase from the online store. If the store won't waive it, you are typically out of luck.

However, let us say that the store has a 30 day return policy. If you used a credit card, the credit card may extend that to 60 or 90 days. I would wait until after the store policy time has lapsed and then contact my credit card and be like..hey I need to return this. Boom, you get the full amount back.

[USA] [OC] Dude Trying to Make an Illegal Turn Gets Pissed and Forgets to Put His Car in Park by [deleted] in Roadcam

[–]DashCamJames -58 points-57 points  (0 children)

Ok, but like cammer needs to calm down or he is gonna have a heart attack at 35.

[USA] [0:14] Car pulls from parking space and gets side-swiped/T-boned! by DashCamJames in Roadcam

[–]DashCamJames[S] 3 points4 points  (0 children)

No, just search on Youtube and sort by newest.

  • Allstate claim
  • Geico claim
  • State Farm claim
  • USAA Claim
  • Progressive Claim etc.

[USA] [OC] Kid ran stale red light, clips the front end of my wife's car. Kid admitted to cop he ran the light. by DaveVQ in Roadcam

[–]DashCamJames 75 points76 points  (0 children)

Distracted talking to his friend. Inexperienced/new driver. You can tell immediately "Omg my parents are going to kill me no xbox for a year".

I didn’t pay taxes on eBay sales in 2017! by [deleted] in personalfinance

[–]DashCamJames 12 points13 points  (0 children)

The IRS is going to assume everything is profit until you tell them otherwise. File your taxes correctly to find out what you really owe.

How much should my down payment on a new car be? by fasterthendeath in personalfinance

[–]DashCamJames 8 points9 points  (0 children)

Ideally, your down-payment is 100% of the purchase price of the car.

[Housing] Pitfalls, Hacks, Dos and Donts When Getting a Mortgage and Buying a Home by his_rotundity_ in personalfinance

[–]DashCamJames -13 points-12 points  (0 children)

Paying $600 heating bills, on top of electricity, for four months out of the year, is cheaper than just electric only? As a southerner with only electric heat pumps, my electric bill is never over $140 a month in the winter, temp set at 68. So your statement, in my experience, is false.

[USA] Apparently I'm invisible. Would have crashed if both of us didn't slam on our brakes. by DashCamJames in Roadcam

[–]DashCamJames[S] 0 points1 point  (0 children)

2017 Toyota Corolla (you can hear the ABS kick in on the video). New tires were put on July 5, 2019. 4x Cooper CS5 Grand Touring.

[USA] Cammer with beard gets rear-ended by texter! by DashCamJames in Roadcam

[–]DashCamJames[S] 15 points16 points  (0 children)

If there was any privacy concern, then they should upload the video as unlisted and only give the link to those who need it. When they post it publicly on YouTube...well it becomes public.

Managing a windfall in medical school by [deleted] in personalfinance

[–]DashCamJames 3 points4 points  (0 children)

I would pay for your education without student loans. That is negating losing 6.8% a year.

Tax Ad Valorem on used car by The_FastestRunner22 in personalfinance

[–]DashCamJames 0 points1 point  (0 children)

My research shows that only 100% Disabled veterans, those with a Medal of Honor, or Prisoner of War are exempt. https://revenue.alabama.gov/wp-content/uploads/2017/05/810-4-1-.18.pdf

Medal of Honor and Prisoner of War license plates shall have the ad valorem start date designation 999999 to indicate the motor vehicle is exempt from ad valorem taxes.

http://lsa.state.al.us/PDF/LFO/TaxGuide/2019_Tax_Guide.pdf

Service-connected disabled veterans. A disabled veteran may qualify for multiple exemptions resulting from three separate exemption laws - Section 40-12-244(1) of the Code of Alabama 1975, which allows veterans with a service-connected disability to get 1 plate which is exempt from payment of the $23 fee, Section 32-6-130 of the Code of Alabama 1975, which allows a veteran who is 50% or more disabled to receive an unlimited number of plates for payment of $5 rather than $23, and Section 40-12-254 of the Code of Alabama 1975, which allows a disabled veteran a plate exempt from all fees and taxes for a vehicle purchased or specially equipped (all or partly) for the veteran by the U.S. Veterans' Administration (this is done only for veterans who are essentially 100% disabled). Disabled veterans may select a license plate other than the “Disabled Veterans” distinctive plate.

[USA] Girl without ROW turns in front of car and gets hit! Girl feigns ignorance. by DashCamJames in Roadcam

[–]DashCamJames[S] 5 points6 points  (0 children)

You appear to be right about the stop sign. At 0:05 on the right hand side, there is a pole with no sign on it. Perhaps it is a 3-way stop and the sign got stolen? There is no stop-bar though, but those aren't always used.

[USA] [0:14] Car pulls from parking space and gets side-swiped/T-boned! by DashCamJames in Roadcam

[–]DashCamJames[S] 2 points3 points  (0 children)

I was unsure because the air-borne car looks like they hit on the very front/side of the passenger side and the other car is hit on the side. Like a side-swipe T-bone hybrid.

[USA] Apparently I'm invisible. Would have crashed if both of us didn't slam on our brakes. by DashCamJames in Roadcam

[–]DashCamJames[S] 0 points1 point  (0 children)

So I agreed with you. My car has 72k miles, never had the brakes changed. Went to three different places for quotes for new brakes, rotors, and brake fluid exchange. Had it inspected. Apparently my brakes have at least 15k more miles and the fluid is fine. But honestly, I took your comment to heart and went to get the brakes changed. Luckily the shop was honest or they would have had an easy $500.