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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: 1213

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: 2982

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: 2982

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: 2982

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: 1604

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: 3884

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: 5894

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: 1183

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: 1183

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: 1183

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: 1183

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: 709

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: 172

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: 3111

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: 2286

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: 844

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: 1135

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: 3777

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: 952

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: 952

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: 12
Views: 1444

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: 2792

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: 3406

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: 1693

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: 9101

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: 9234

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: 1381

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: 484

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: 355

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: 1200

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: 478

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: 2876

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: 502

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: 502

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: 502

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: 2023

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: 2219

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: 1111

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: 2413

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: 5920

Re: Anyone Actually Using Quicken on a Mac?

Interesting responses. Thanks to all for your replies. Since both Moneydance and Quicken for Mac have a free trial period, I think I'll give both of them a try and see for myself.
by LifeIsGood
Wed Jul 02, 2014 6:15 am
 
Forum: Personal Consumer Issues
Topic: Anyone Actually Using Quicken on a Mac?
Replies: 14
Views: 1310

Anyone Actually Using Quicken on a Mac?

I know the Mac version of Quicken has been thoroughly trashed by lots of people. In spite of that, I'm thinking of trying it. Most of what I'm doing with Quicken now revolves around bill pay and I rarely if ever look at brokerage accounts. I've just upgraded my Mac and don't really want to go throug...
by LifeIsGood
Mon Jun 30, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Anyone Actually Using Quicken on a Mac?
Replies: 14
Views: 1310

Re: VISA Signature? MasterCard World

mikep wrote:20% off movie tickets at Fandango with $25 gift cards for $20 at Fandango. Even factoring in Fandango fees, cheaper than paying the theater directly.


Also have Buy 1 - Get 1 Free movie tickets on Friday. https://tickets.fandango.com/visasignature/
by LifeIsGood
Wed Jun 25, 2014 6:40 am
 
Forum: Personal Consumer Issues
Topic: VISA Signature? MasterCard World
Replies: 8
Views: 1008

Re: What Do You Eat For Snacks?

Kersten, thanks for the recipe. Can't wait to try it. Sounds great.
by LifeIsGood
Sun Jun 15, 2014 6:25 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9234

Re: What Do You Eat For Snacks?

Some very interesting responses. I've never thought about eating while I'm riding since I'm never hungry then. I'll give that a try. Many of the snacks mentioned I eaten in the past. As I step back a bit and analyze the situation, exercise seems to really stoke my hunger. In the winter when I'm less...
by LifeIsGood
Sat Jun 14, 2014 6:03 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9234

What Do You Eat For Snacks? [for exercise-induced hunger]

In the warmer months I tend to spend a lot of time riding my bike. A typical ride burns ~ 950 calories but the side effect is that it leave me ravenous for much of the day. My biggest problem is that I can't seem to find anything to snack on that relieves the hunger. I love fruit but even a fairly l...
by LifeIsGood
Fri Jun 13, 2014 6:28 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9234

Re: AMEX Card - waiving annual fee?

I don't think you'll be able to get the bonus again. They have changed their bonus policy so that if you have ever had a particular card, you are no longer eligible for a bonus. http://thepointsguy.com/2014/03/american-express-tightening-sign-up-bonuses-no-past-cardholders-allowed-starting-in-may-an...
by LifeIsGood
Thu May 29, 2014 6:11 am
 
Forum: Personal Consumer Issues
Topic: AMEX Card - waiving annual fee?
Replies: 15
Views: 2833

Re: [Problem obtaining online] Free Credit Report

I had a problem with the verification questions from Equifax. Just like everyone else, they asked about loans and mortgages that I didn't or never had. I filed a complaint with the Better Business Bureau and received the following lame response: The security questions presented to the consumer via t...
by LifeIsGood
Sun May 25, 2014 6:06 am
 
Forum: Personal Finance (Not Investing)
Topic: [Problem obtaining online] Free Credit Report
Replies: 13
Views: 1046

Re: Trex deck pressure washing - questions

I used one of these (or something very similar) for my composite deck. It works great! http://www.powerequipmentdirect.com/Briggs-&-Stratton-6178/p8259.html Two spinning nozzles produce a very even cleaning action. I highly recommend it. Edit: Here's another: http://www.homedepot.com/p/EZClean-...
by LifeIsGood
Thu May 22, 2014 6:49 am
 
Forum: Personal Consumer Issues
Topic: Trex deck pressure washing - questions
Replies: 9
Views: 1096

Re: Trex deck pressure washing - questions

I have the same pressure washer and just finished cleaning my sidewalks and driveway. I found that the 25 degree nozzle worked pretty well. If you get an especially tough area, just move the wand slower. You may also want to consider soaking the area with bleach or bleach/Jomax solution to help with...
by LifeIsGood
Wed May 21, 2014 7:09 am
 
Forum: Personal Consumer Issues
Topic: Trex deck pressure washing - questions
Replies: 9
Views: 1096
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