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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
Sun Jan 18, 2015 8:19 am
 
Forum: Personal Consumer Issues
Topic: Lightroom & Photoshop
Replies: 5
Views: 451

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
Thu Jan 15, 2015 6:40 am
 
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 19
Views: 2259

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 7:20 am
 
Forum: Personal Consumer Issues
Topic: Login issues with Chrome - Schwab, United, Vanguard ..
Replies: 2
Views: 531

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
Wed Jan 14, 2015 7:12 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 50
Views: 4603

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
Fri Jan 09, 2015 7:57 am
 
Forum: Personal Consumer Issues
Topic: Wall Street Journal Subscriptions on Ebay question
Replies: 22
Views: 4649

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
Thu Jan 01, 2015 8:38 am
 
Forum: Personal Consumer Issues
Topic: Question for Woodworkers (Ikea furniture mishap)
Replies: 14
Views: 1315

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
Mon Dec 29, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 1900

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
Sun Dec 28, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 1900

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
Wed Dec 24, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Selling a car privately
Replies: 23
Views: 2809

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 21, 2014 6:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 2900

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
Sun Dec 14, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Starting a Start up finally- Need help with banking
Replies: 10
Views: 1337

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
Wed Dec 10, 2014 7:04 am
 
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3186

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
Tue Dec 09, 2014 6:57 am
 
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3186

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 7:13 am
 
Forum: Personal Consumer Issues
Topic: Buying a Low Supply Hight Demand Car
Replies: 26
Views: 3186

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
Mon Dec 08, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1669

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
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: 4169

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
Sat Dec 06, 2014 6:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 6801

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
Fri Dec 05, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1218

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 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1218

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 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1218

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 Dec 04, 2014 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Capital Gains
Replies: 20
Views: 1218

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
Thu Nov 27, 2014 6:36 am
 
Forum: Personal Consumer Issues
Topic: Bluetooth headset recommendation ?
Replies: 4
Views: 723

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
Tue Nov 25, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: MCG Capital Dutch Auction
Replies: 0
Views: 176

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 7:09 am
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3325

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 7:01 am
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2790

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

Have you considered Paypal? I understand they have fairly competitive currency conversion rates.
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: 932

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
Sat Nov 15, 2014 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying gas with gift cards
Replies: 5
Views: 1150

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!
by LifeIsGood
Sun Nov 09, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Should I claim this damage
Replies: 26
Views: 3819

Re: Anyone using Page Plus Cellular

I got this info. in an email from Kitty. It was also been discussed on Kitty Forums: - http://www.kittyforums.net/showthread.php/12322-An-overview-of-possible-new-plans-coming-soon?highlight=Ok%2C+I%27ve+decided+on%2C+soft+launch+with.+add%2Fadjust+later%3A I have no experience with Verizon directly...
by LifeIsGood
Thu Nov 06, 2014 5:54 am
 
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 1017

Re: Anyone using Page Plus Cellular

I have no experience with Verizon directly but have been with Page Plus for 3 yrs. I've been very happy with their service. They recently started offering 4G service if that matters. Kitty Wireless (a PP reseller) will be rolling out some new plans in the near future that differ from the basic Page ...
by LifeIsGood
Wed Nov 05, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Anyone using Page Plus Cellular
Replies: 17
Views: 1017

Re: St. John, USVI travel advice

I sometimes see complaints about mosquitos-- any sense of what they are like? Is deet pretty much always required for outside, or only at dusk, or only after rains? My daughter honeymooned on Virgin Gorda in Oct. and said the mosquitoes were terrible. VG is not far from St. Johns so I'd be prepared.
by LifeIsGood
Mon Oct 27, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: St. John, USVI travel advice
Replies: 15
Views: 1976

Re: Bucket Approach Redux

Your link appears to be "Morningstar Members Only".

cfs wrote:
Leesbro63 wrote:I do not use it, but here is the latest from Morningstar's Christine Benz =====>> http://news.morningstar.com/articlenet/ ... ?id=667224
by LifeIsGood
Mon Oct 27, 2014 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Approach Redux
Replies: 35
Views: 2971

Re: Home Depot Warranty not honored

The only luck I had with a problem involving Home Depot required filing a complain with the BBB. That finally got their attention.
by LifeIsGood
Thu Oct 16, 2014 5:37 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3459

Re: How to buy a used car

Also check Autotrader - http://www.autotrader.com/ In my area they have nearly as many ads as Craigslist and you can filter the results of your search very easily.
by LifeIsGood
Wed Oct 15, 2014 6:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a used car
Replies: 16
Views: 1716

Re: Verizon to Page Plus - documenting my experience

I just learned of a PP reseller that offers 10% off on refills and free auto renew - http://www.prepayrefill.com/. I'm going to try them when my next refill is due. They're also doing some specials right now if you're porting in a new number: Page Plus Activation with $12 Plan (Cost $11.50) Page Plu...
by LifeIsGood
Tue Sep 30, 2014 6:52 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 9387

Re: What Do You Eat For Snacks?

This certainly doesn't apply to me. I LOVE my bike rides. As an aside, I've been consumed with some projects on my boat for the past couple of weeks and spent 5-6 hrs/day working on them. The work was also quite physical. The only thing I'd eat all day was a sandwich for lunch, a cookie or 2 and may...
by LifeIsGood
Mon Sep 08, 2014 5:46 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9293

Re: Atlanta - recommendations on where to live

I have lived in Atlanta for over 40 years and if I were inclined to move, I'm not sure where I'd go. I have a rather low tolerance for traffic so needles to say, I'm hopelessly mired in "traffic hell". I assume with 3 yr olds, they are younger (30's - 40's). Many people in this demographic...
by LifeIsGood
Mon Sep 08, 2014 5:40 am
 
Forum: Personal Consumer Issues
Topic: Atlanta - recommendations on where to live
Replies: 24
Views: 1392

You Need A Budget 50% off

Appsumo is offering YMAB for 50% off until Sept 4th. http://www.appsumo.com/you-need-a-budget/
by LifeIsGood
Tue Sep 02, 2014 6:51 am
 
Forum: Personal Consumer Issues
Topic: You Need A Budget 50% off
Replies: 0
Views: 489

Re: 2015 Quicken for Mac

This was discussed in a previous thread - viewtopic.php?f=11&t=145273
by LifeIsGood
Fri Aug 29, 2014 5:44 am
 
Forum: Personal Consumer Issues
Topic: 2015 Quicken for Mac
Replies: 1
Views: 360

Re: Question for Mac Excel 2011 users

I didn't know about this function in Mac Office. Is there a way to display only the quote and not all the other data? https://farm4.staticflickr.com/3905/14884885750_ea6df9a907_z.jpg I don't know if your macro will work. but it is very easy to pull in security prices in excel for mac 2011. I didn't ...
by LifeIsGood
Fri Aug 29, 2014 5:40 am
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 14
Views: 1260

Re: Trip to Sicily

My wife and I did a rough approximation of your trip 7-8 yrs ago however we flew into Rome and then immediately took a short flight to Palermo. We spent a couple of days in Taormina and really enjoyed it. We didn't use our car in town but the walking can be a bit steep. A half day trip to Mt. Etna w...
by LifeIsGood
Sun Aug 24, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Trip to Sicily
Replies: 2
Views: 487

Re: Best nose hair trimmer (is this okay to ask?)

I have this one and it works great - http://www.amazon.com/Panasonic-ER430K-Facial-Trimmer-Cleaning/dp/B000FYVOJC/ref=sr_1_2?ie=UTF8&qid=1408881348&sr=8-2&keywords=panasonic+nose+trimmers. Also note all the positive reviews. They also offer a Panasonic model with a light that I think mig...
by LifeIsGood
Sun Aug 24, 2014 6:58 am
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2910

Re: Writing Off A Bad Loan

JamesSFO wrote:Why would there be a deduction in taxes for an asset held in an IRA?

I was not clear. This "investment" was outside IRA. I want to use the tax deduction to decrease my taxable income therefore be able to convert a larger amount of IRA to Roth and still stay in 15% tax bracket.
by LifeIsGood
Tue Aug 12, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Writing Off A Bad Loan
Replies: 7
Views: 506

Re: Writing Off A Bad Loan

dickenjb wrote:What does your CPA say?

Don't have a CPA. My taxes are usually (until this) quite simple. May need to talk with one. I learned that other investors' CPA's have chosen to write off debt.
by LifeIsGood
Tue Aug 12, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Writing Off A Bad Loan
Replies: 7
Views: 506

Writing Off A Bad Loan

Seven years ago, in my pre-Boglehead days, I had a financial advisor who put me in a private commercial mortgage. It involved a piece of land in New Hampshire that was going to be used to build a bottled water plant. I don't know the value of the entire loan but there were many investors and my shar...
by LifeIsGood
Tue Aug 12, 2014 6:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Writing Off A Bad Loan
Replies: 7
Views: 506

Re: Winery to visit in North Willamette (OR)/McMinnville are

I would highly recommend Belle Pente just outside of McMinnville. - http://www.bellepente.com/
It's a very small winery with some great wines. You will have to call ahead and set up a tasting. Beautiful location and very nice people.
by LifeIsGood
Tue Aug 12, 2014 6:04 am
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 20
Views: 2027

Re: Buying a car- 2011 Lexus IS 250 9k miles

Did you brother lease the card directly from Lexus or from a 2nd party? If it was not from Lexus, the lessor may take a lower offer than the residual value. You'll usually get the best price about 2 wks before the lease expires.
by LifeIsGood
Fri Jul 25, 2014 6:51 am
 
Forum: Personal Consumer Issues
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 27
Views: 2249

Re: When to Buy Air Tik to Florida

Kayak has a "Price Trends" and give a "Book Now" recommendation if indicated.
by LifeIsGood
Sun Jul 20, 2014 5:31 am
 
Forum: Personal Consumer Issues
Topic: When to Buy Air Tik to Florida
Replies: 9
Views: 1112

Re: What to do with old Macbook Pro?

I've had pretty good luck selling things on Craigslist. Make sure that you post several good quality pictures and provide a complete description of the machine. Insist on cash payment and meet in a public place like Starbucks or Kinkos. Also insert the line "If this ad is visible, the item is s...
by LifeIsGood
Sat Jul 05, 2014 6:31 am
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 2557

Re: I found a new coffee.

I guess I'm a coffee snob too based on some of the above comments. One thing that surprised me is some "snobs" buy 3 lb or larger bags of coffee. I buy 12 oz bags and can tell the taste is getting stale near the end of the bag. I always close the bag up tight after each use. How can you br...
by LifeIsGood
Thu Jul 03, 2014 6:55 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5987
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