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by LifeIsGood
Mon May 18, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 35
Views: 1519

Trip Insurance

We looking into a Tauck tour in Patagonia. They offer trip insurance that consists of 2 parts. Tauck self insures for canceling the trip and refunding the cost of the tour. The second part provided by Trasamerica covers the refund of air fares and travel delays, lost baggage and medical coverage inc...
by LifeIsGood
Sat May 02, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Can you see the Mayweather fight for less than $99?
Replies: 39
Views: 3539

Re: Can you see the Mayweather fight for less than $99?

If you're a beer drinker, here's a way to save up to $50 off the cost of the fight - Customers can save $15 with the purchase of one Tecate or Tecate Light 18-pack, $30 with the purchase of two 18-packs, or $50 with the purchase of three. Mail-in rebate forms should already be available at point-of-...
by LifeIsGood
Tue Apr 28, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 2565

Re: If You Were Going To S. America ...

Bogleheads come through again. Thanks so much for all the information and feedback. No surprisingly, there doesn't seem to be a clear consensus winner. We may have to re-think Chile due to weather. We'd like to go some place warm during the N. American winter and fear Chile may be a bit too cool.
by LifeIsGood
Mon Apr 27, 2015 7:24 am
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 2565

South America [vacation recommendations]

My wife and I are considering a trip to S. America in early 2016. Chile sounds like an interesting option so far. Taking into account cost, safety, food and scenery what other countries should we consider?
by LifeIsGood
Fri Apr 24, 2015 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Rolling An RMD Into A Roth
Replies: 7
Views: 792

Re: Rolling An RMD Inro A Roth

If you're referring to the Amy Chain/Joel Dickenson video dated Mar 23, 2015, he is suggesting using Roth conversions in order to avoid future RMDs, though in context of the discussion, it's not altogether surprising that you didn't pick up on the conversion part. It's clearer in the transcript. Ye...
by LifeIsGood
Thu Apr 23, 2015 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling An RMD Into A Roth
Replies: 7
Views: 792

Rolling An RMD Into A Roth

I received an email from Vanguard today with a couple of topics discussed. One was titled "What if I don't need to spend my RMD?". At about the 1:40 point of the video it was suggested that you could roll your RMD into a Roth. I was always under the impression that this couldn't be done. D...
by LifeIsGood
Fri Apr 10, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Best current credit card sign-up bonus
Replies: 7
Views: 1189

Re: Best current credit card sign-up bonus

If you have have enough investments, I've found that the real money is with the brokerage houses. http://www.hustlermoneyblog.com/best-brokerage-bonuses/
by LifeIsGood
Tue Apr 07, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Taxes
Replies: 10
Views: 672

Re: Roth Conversion and Taxes

Taxable Social Security is the same under both scenarios. It appears TT is using the Standard Deduction ($14,800) with the Roth conversion and itemizing ($15,637) if there is no conversion. Are you receiving Social security income? That additional Roth conversion income could be causing more social ...
by LifeIsGood
Tue Apr 07, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Taxes
Replies: 10
Views: 672

Re: Roth Conversion and Taxes

The Roth conversion took place in 2014. There was no state tax paid on the converted amount. With the Roth conversion, my effective tax rate is 10.6% and without it drops to 4.5%. It would appear that I'm paying nearly 23% tax on the Roth conversion. My AGI with the Roth conversion is $111,000 and $...
by LifeIsGood
Tue Apr 07, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Taxes
Replies: 10
Views: 672

Roth Conversion and Taxes

I've been working on my tax return and wondered why adding new deductions didn't change the amount of federal tax due ($2,713). It finally dawned on me that TurboTax was using the Standard Deduction rather than itemizing. A lack of Schedule A confirmed this. I then decided to see what effect my Roth...
by LifeIsGood
Fri Apr 03, 2015 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Received electronic notice of a revised 2014 Fidelity 1099
Replies: 3
Views: 280

Re: Received electronic notice of a revised 2014 Fidelity 10

This is exactly the reason why I'm waiting until April 15th to file my return. I got burned the same way last year.
by LifeIsGood
Thu Mar 26, 2015 6:35 am
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Reporting
Replies: 10
Views: 1165

Re: HSA Tax Reporting

Thanks Kaneohe. One less form to fill out.
by LifeIsGood
Wed Mar 25, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Reporting
Replies: 10
Views: 1165

Re: HSA Tax Reporting

kaneohe wrote:"neither of us withdrew and money for medical related expenses".............did you mean to write that or this: "neither of us withdrew any money " ?

Yes. Message corrected. Hand injury forces one handed typing. Hunting, pecking and much cussing.
by LifeIsGood
Wed Mar 25, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Reporting
Replies: 10
Views: 1165

HSA Tax Reporting

My wife and I each have an HSA account and are over 65. In 2014, neither of us withdrew any money for medical related expenses. The funds are in a brokerage account that has monthly fees and produced a modest unrealized gain last year. Is there any reporting required for these accounts on our federa...
by LifeIsGood
Sat Mar 21, 2015 6:41 am
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 40
Views: 6501

Re: 2015 Honda CR-V vibration problems

I picked up my new CRV last week. Yes, I was able to reproduce the vibration issue by turning off lights, fans etc. I realized that I would never use the car in this state. I always have the climate control system on and the radio as well. I've had no other vibration problems so far. Just finished a...
by LifeIsGood
Sun Mar 15, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 889

Re: Medicare Inpatient Part A

I have Medigap Part G. I believe it has a $147 deductible. Is that correct? I had a finger surgically re-attached and was on IV antibiotics, IV fluids, blood thinner, pain meds, etc. I was taken to my room at ~ 2:00 a.m. on Tues. and discharged around 11:30 a.m. on Wed. My hospital bill only shows a...
by LifeIsGood
Sat Mar 14, 2015 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 889

Re: Medicare Inpatient Part A

Thanks for the replies. Does the change from Part A to Part B indicate I was in "observation" status?
by LifeIsGood
Fri Mar 13, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 889

Medicare Inpatient Part A

I was recently taken to an ER via ambulance, had surgery shortly after arrival and was hospitalized for 2 days post op. I just received a letter from the hospital stating that they and my surgeon have agreed that the care I have received does not qualify for inpatient Medicare part A payment but doe...
by LifeIsGood
Sat Mar 07, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 40
Views: 6501

Re: 2015 Honda CR-V vibration problems

Really struggling with this issue. I've test driven virtually all the CRV competitors and can't find anything I like as much. I've got a CRV Touring coming in next week that I've had on order for a couple of months and really don't know what to do. I know people complain only when they have a proble...
by LifeIsGood
Thu Mar 05, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever bill-paid, their state tax board w/o a vouch
Replies: 8
Views: 692

Re: Has anyone ever bill-paid, their state tax board w/o a v

kwan2 wrote:which state? mine is Hawaii state.

if you pay with quicken, i presume there is no voucher, just a paper check gets mailed ?

LifeIsGood wrote:I've done it via Quicken billpay for years. No problems.



It's not a paper check. Quicken handles it as an online payment - whatever that is.
by LifeIsGood
Wed Mar 04, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever bill-paid, their state tax board w/o a vouch
Replies: 8
Views: 692

Re: Has anyone ever bill-paid, their state tax board w/o a v

I've done it via Quicken billpay for years. No problems.
by LifeIsGood
Tue Feb 24, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Money lent and unable to recover
Replies: 10
Views: 1864

Re: Money lent and unable to recover

tampaite wrote: claim as short term capital loss(on-going).

Since it's been more than a year, this would be classified as a long term capital loss.
by LifeIsGood
Sun Jan 18, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Lightroom & Photoshop
Replies: 5
Views: 502

Re: Lightroom & Photoshop

I found Lightroom very difficult to learn on my first encounter and gave up. A while later I tried again and for some reason everything clicked. I watched a number of videos and have gotten a fair bit from the free ones that Julieanne Kost does for Adobe. I decided Photoshop was overkill for what I ...
by LifeIsGood
Thu Jan 15, 2015 6:40 am
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 21
Views: 3243

Re: Already having second thoughts about HSA Bank

I opened an HSA account with HSA Bank several years ago and ran into the same issues as you did. The dust settled and everything is ok. I'm still with them today although virtually all my money is invested via their relationship with TD Ameritrade.
by LifeIsGood
Wed Jan 14, 2015 7:20 am
Forum: Personal Consumer Issues
Topic: Login issues with Chrome - Schwab, United, Vanguard ..
Replies: 2
Views: 588

Re: Login issues with Chrome - Schwab, United, Vanguard ..

I just logged in on an iMac using Chrome with no problems.
by LifeIsGood
Wed Jan 14, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 6167

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Slightly off topic, but $15k for a 20 square shingled roof seems quite high even for a high cost of living area. I would expect the quote to be in the neighborhood of 7-10k. I would recommend getting a second estimate (unless the $15k estimate includes interior repairs as well). I agree. We had our...
by LifeIsGood
Fri Jan 09, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: Wall Street Journal Subscriptions on Ebay question
Replies: 22
Views: 5160

Re: Wall Street Journal Subscriptions on Ebay question

This has probably been reported before but Frequent Flyer points can be used for WSJ subscriptions. Delta requires 3,200 miles for a 304 day subscription. Other FF programs offer the same terms.
https://www2.magsformiles.com/
Disclaimer: I have not used Magsformiles
by LifeIsGood
Thu Jan 01, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Question for Woodworkers (Ikea furniture mishap)
Replies: 14
Views: 1389

Re: Question for Woodworkers (Ikea furniture mishap)

I've been making furniture for almost 50 yrs and I've never had any luck correctly fixing something like this without taking the joint apart. If you're totally committed to trying to salvage this piece, I'd use 2 part epoxy but you'll have a tough time getting enough of it into the joint to properly...
by LifeIsGood
Mon Dec 29, 2014 7:31 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 2064

Re: Any Cyclists With a Brooks Saddle?

Bogleheads never fail to deliver ! Thanks for all the terrific input. I needed a nudge one way or the other and based on the responses I'm going to give it a try. I'm not a serious distance rider. I ride a hybrid bike about 20mi/ride and get in ~ 2,200 mi/yr. I'll keep you posted.
by LifeIsGood
Sun Dec 28, 2014 7:55 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 2064

Any Cyclists With a Brooks Saddle?

I received a Brooks B17 bicycle saddle as a Christmas present. I've read all the rave reviews but my first impression looking at the seat is that it doesn't seem like it would be very comfortable. I'm afraid if I use it and then don't like it I've wasted a fairly large sum of money. http://www.amazo...
by LifeIsGood
Wed Dec 24, 2014 7:34 am
Forum: Personal Consumer Issues
Topic: Selling a car privately
Replies: 23
Views: 3005

Re: Selling a car privately

I'd be a little uncomfortable meeting with a stranger and walking away with a large sum of cash - potentially thousands. Beware of taking a cashiers check from a stranger. There is no way to verify that the check is good other than depositing it and waiting to see if it bounces. I sold a car last ye...
by LifeIsGood
Sun Dec 21, 2014 6:20 am
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 3091

Re: What to do if someone is using your home address?

Just to be on the safe side, check your credit report. If you want to be bullet proof, freeze your credit.
by LifeIsGood
Sun Dec 14, 2014 7:31 am
Forum: Personal Consumer Issues
Topic: Starting a Start up finally- Need help with banking
Replies: 10
Views: 1779

Re: Starting a Start up finally- Need help with banking

Definitely don't mix personal and business stuff in the same account. Do yourself a big favor and deal with a small local community bank. The mega banks could care less about someone as small as you. You'll get better service and pay less this way. I found this out over and over again during the cou...
by LifeIsGood
Wed Dec 10, 2014 7:04 am
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3345

Re: Buying a Low Supply Hight Demand Car

I decided to give Costco a try to get some sort of a baseline number. It turns out there are no participating dealers for this model. I guess that tells me something.
by LifeIsGood
Tue Dec 09, 2014 6:57 am
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3345

Re: Buying a Low Supply Hight Demand Car

Thanks so much for all the responses. I've considered True Car but really don't want to deal with dealers calling me. The last car I purchased was done strictly via email and it was heaven! I've also considered Costco for this situation. I'm using Edmunds vehicle search feature and it will only show...
by LifeIsGood
Mon Dec 08, 2014 7:13 am
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3345

Buying a Low Supply Hight Demand Car

I'm looking to purchase a 2015 Honda CRV Touring. I live in a large metro. area and find there are very few in stock and only 1 in the color I want. I haven't tested the waters yet concerning price but based on postings at Edmunds, I suspect most dealers will be asking Suggested Retail for this car....
by LifeIsGood
Mon Dec 08, 2014 7:10 am
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1816

Re: Selling your old cell phone for cash

I just sold an iPhone 5s on Craigslist this week. Gazelle offered $200, I got $350.
by LifeIsGood
Sun Dec 07, 2014 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 4553

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

indexfundfan wrote:These are the same prices that Vanguard is offering to its Flagship clients. Is this a pricing error?


I just check Vanguard's web site this morning and they indicated that TurboTax isn't available yet with pricing to be determined.
by LifeIsGood
Sat Dec 06, 2014 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 8371

Re: Credit card sign-on bonuses -- worth the trouble?

Not to change the subject, but I've found the best bonus money to be made is with brokerage accounts. I transferred my money out of Etrade to take advantage of another bonus offer I received. Etrade called and offered me a $4K bonus to stay with them.
by LifeIsGood
Fri Dec 05, 2014 9:24 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1311

Re: Tax Loss Harvesting and Capital Gains

Including deductions my taxable income was $78K and tax due of $6,673 giving an effective tax rate of 8.5%. Other posters have suggested carrying the LT loss forward but at $3K per year, I would be 99 yrs old before all the loss is used up. Why not sell and enjoy a "free" stepped up basis?...
by LifeIsGood
Thu Dec 04, 2014 1:21 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1311

Re: Tax Loss Harvesting and Capital Gains

Married filing jointly Social Security = $27K Interest = $2K Ordinary Dividends = $47K Qual. Dividends = $33K LT Capital Gains = $18K No RMD's No sure what you mean regarding the ROTH conversion. A few more facts for clarification: I'm retired and have no earned income. My income is entirely dividen...
by LifeIsGood
Thu Dec 04, 2014 10:57 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1311

Re: Tax Loss Harvesting and Capital Gains

Thanks so much for the responses. Much appreciated. A few more facts for clarification: I'm retired and have no earned income. My income is entirely dividends, interest, capital gains and social security. My effective tax bracket last year was 6.3%. I have been rolling $30K per year from my TIRA to ...
by LifeIsGood
Thu Dec 04, 2014 7:48 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1311

Tax Loss Harvesting and Capital Gains

I'm going to be claiming a large ($100K) long term capital loss this year. As I understand the tax implications, I can use this loss to offset any long term capital gains I have this year. In a normal year, this would be approx. $10K and would leave me with a $90K carry over loss to be applied in th...
by LifeIsGood
Thu Nov 27, 2014 6:36 am
Forum: Personal Consumer Issues
Topic: Bluetooth headset recommendation ?
Replies: 4
Views: 769

Re: Bluetooth headset recommendation ?

Here's a pretty review of Bluetooth headsets - http://thewirecutter.com/reviews/best-b ... eadphones/, Their winner in this category is way over your budget but the Kinivo made their "Also Great" list and is well within you price range.
by LifeIsGood
Tue Nov 25, 2014 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: MCG Capital Dutch Auction
Replies: 0
Views: 200

MCG Capital Dutch Auction

I have a very small position with MCG Capital and just received a notice from Vanguard stating that MCG plans to have a dutch auction to repurchase approx 53% of outstanding shares at a price per share not less than $3.25 and not greater than $3.75. It is currently trading at $3.69. It also states t...
by LifeIsGood
Sun Nov 23, 2014 7:09 am
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3637

Re: Send text messages from PC to Cell Phone

rkhusky wrote:
hicabob wrote:To send a text to a verizon cellphone from a PC I send email to nnnnnnnnnn@vzwpix.com. (n's are the phone digits) . I believe all other carriers have similar


This allows you to send pictures as well as text.


I tried this with a text and picture but the image was deleted from the message.
by LifeIsGood
Sun Nov 23, 2014 7:01 am
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 3094

Re: Tell me about FitBit - is it worth having?

My wife is waiting to receive her 3rd replacement Fitbit. Makes you wonder about QC issues.
by LifeIsGood
Sun Nov 23, 2014 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Wire transfer from Europe (fees, exchange rate)
Replies: 16
Views: 1139

Re: Wire transfer from Europe (fees, exchange rate)

Have you considered Paypal? I understand they have fairly competitive currency conversion rates.
by LifeIsGood
Sat Nov 15, 2014 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Buying gas with gift cards
Replies: 5
Views: 1228

Re: Buying gas with gift cards

I know for certain that using the gas station's gift card will net you the lower cash price. However, I very much doubt that using Amex or visa pre-paid cards will do so, because they are still running through the credit card network, so the merchant needs to pay processing fees. Not at Shell. I fi...
by LifeIsGood
Sun Nov 09, 2014 8:31 am
Forum: Personal Consumer Issues
Topic: Should I claim this damage
Replies: 26
Views: 3918

Re: Should I claim this damage

I had a similar situation several years ago but 99% of the damage involved only 1 of my vehicles. I decided to submit a claim. The damage was ~ $3,600. The insurance company increased my premium $1,200/yr for the next 3 years. So much for submitting a claim!

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