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Re: Get up to $30 back per Amex card (Small Business Sat, 11

If this is promoting small businesses, why are some of the participating businesses AT&T, Hertz, Dell, etc? Does this mean I could simply pay my A&T phone bill on 11/29 to qualify? Kind of defeats the purpose of supporting small business!
by RMO87
Thu Nov 20, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7164

Tax Withholding assistance

Great news! My wife, who has been a stay-at-home mom for the past 11 years, re-enters the workforce officially next Monday! Any guidance as to how we should adjust our federal withholdings? I am currently claiming 8 exemptions. We have two children and each of us will be making roughly the same ($50...
by RMO87
Tue Nov 11, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Withholding assistance
Replies: 4
Views: 342

Re: Clothes Dryer drying very slowly

It isn't dryer sheet related, as we don't use them. I think it is time to schedule a dryer vent cleaning, as the duct from the upstairs laundry room to the back of the house is rather long and is not simply a straight shot (there is at least one curve in the duct involved). I'm sure there is some ex...
by RMO87
Tue Oct 14, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2002

Clothes Dryer drying very slowly

Our electric clothes dryer, a Maytag Bravos just a couple years old, is taking over three hours to fully dry a load of towels. I have recently removed a bunch of lint that had built up, but it didn't improve the drying speed. Any idea what may be going on, what else to check, etc.? Thanks in advance...
by RMO87
Sun Oct 12, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2002

Re: Refrigerator problem

I cleaned off the coils a couple months ago when I replaced the run capacitor and start device. Last night, I put the thermometer in the freezer. After the compressor kicked off, it stood at 2 degrees. After a couple of hours or so of not kicking back on, it was at 20 degrees. Whenever I notice temp...
by RMO87
Sat Sep 20, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1769

Refrigerator problem

I've been having problems with my fridge temp creeping toward 50 degrees at times. This morning, I slightly adjusted the temperature control knob (which is currently sitting at the recommended level - "3" on the 1 to 5 scale). Right now, it has been running ever since I got home from work ...
by RMO87
Thu Sep 11, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1769

Re: How to fix door handle?

Here are the pictures! First one showing the lock that no longer turns (view is from the inside of the house): http://i57.tinypic.com/b6tytv.jpg Second and third are viewed on the other side (from inside the garage), showing the little hole (second pic) and the spindle screw (third pic): http://i59....
by RMO87
Sat Aug 02, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 1543

Re: How to fix door handle?

I'd love to attach a few pictures of the handle in question. Could anyone please guide me as to how I go about doing so? Thanks again for trying to help me out!
Ryan
by RMO87
Sat Aug 02, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 1543

Re: How to fix pop-up sprinkler head?

It is fixed. It is about six inches long with a spring around it.
by RMO87
Sat Jul 26, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 984

How to fix pop-up sprinkler head?

Help, one of the spray heads come completely out of the ground (Hunter brand). Does anyone know if this is a simple fix, maybe simply screw it back in, or does this mean I need to replace the head?

Thanks in advance!
Ryan
by RMO87
Sat Jul 26, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 984

How to fix door handle?

Help, the handle lever of the door between the house to the garage has come off on the garage side. At first, the lock quit twisting. The next thing we knew, the handle came off. The house is just over 6 years old. Right now we have to manually put the handle over the 'spindle' to get inside. The ha...
by RMO87
Sat Jul 26, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 1543

Tree stump removal

In January, high winds snapped a 5-year-old tree in my backyard in half, leaving a two-foot stump. I believe it was an ash. I think that it had already been weakened, as it lost its leaves early last summer. The stump is roughly 5 or 6 inches in diameter. Any recommendations in how to go about remov...
by RMO87
Sun Mar 30, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 2144

Refrigerator problem - Ideas?

My 4 1/2-year-old Whirlpool refrigerator (with freezer on top) has been running warm lately. I have a refrigerator thermometer which has been as high as 50 degrees in the refrigerator. I have it in the freezer currently, where it has been fluctuating between 20 degrees and 0 degrees. What may be the...
by RMO87
Sat Feb 08, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem - Ideas?
Replies: 4
Views: 548

Microsoft Updates - New laptop problem

I purchased a new laptop (HP with Windows 8) for Christmas, but am having trouble getting it fully up to speed. There are 84 Microsoft updates that supposedly need to be downloaded. I have had problems getting them to all load properly, as I have ended up having to do a system restore a couple of ti...
by RMO87
Sat Feb 08, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Microsoft Updates - New laptop problem
Replies: 14
Views: 969

Form 8606 - Figuring Roth IRA Basis

Good Friday to everyone, Last year, I took my very first distribution from a Roth IRA (a small $2,300 amount at age 40). I have had a Roth since they were first offered in 1998, I believe it was. My Roths were originally with Harbor Funds and Janus Funds before consolidating everything with Vanguard...
by RMO87
Fri Jan 31, 2014 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 8606 - Figuring Roth IRA Basis
Replies: 2
Views: 411

Re: Titanic II, would you take a cruise?

It's already set sail, didn't anyone see http://www.imdb.com/title/tt1640571/?ref_=sr_2 ?
by RMO87
Sat Mar 02, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Titanic II, would you take a cruise?
Replies: 30
Views: 2241

VG Short-Term Inv-Grade - Convert to Admiral

I have five figures in VFSTX (investor shares) within my six figure traditional IRA. I was thinking that I would qualify to convert these shares to admiral (VFSUX). However, I do not see this option on the Vanguard website. Could someone please confirm the qualifications?

Thanks,
Ryan
by RMO87
Sat Feb 09, 2013 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Short-Term Inv-Grade - Convert to Admiral
Replies: 5
Views: 710

Re: TIPS - WSJ: "Take TIPS off Your List"

Wow, I just found out that Vanguard has a short-term TIPS fund. Must be fairly new, as today was the first I had heard of it. Might this be the logical fund to exchange into?

Ryan
by RMO87
Wed Feb 06, 2013 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - WSJ: "Take TIPS off Your List"
Replies: 48
Views: 6210

TIPS - WSJ: "Take TIPS off Your List"

I was reading the article in this weekend's WSJ by Brett Arends. It makes one consider selling TIPS, as they are "guaranteed to lose money," as the effective interest rates have decreased to record lows. A chief investment officer quoted recommends, if you have a position in TIPS, to keep ...
by RMO87
Sun Feb 03, 2013 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - WSJ: "Take TIPS off Your List"
Replies: 48
Views: 6210

Re: Tax Act - Exchange Student Deduction

Has anyone here claimed this deduction before? This is my first year hosting.
by RMO87
Fri Feb 01, 2013 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Exchange Student Deduction
Replies: 2
Views: 483

Tax Act - Exchange Student Deduction

I am trying to figure out how I enter the foreign exchange student hosting deduction in Tax Act. I know that it is considered a charitable deduction on Schedule A (pretty sure considered a cash donation rather than non-cash one). The help section of Tax Act was not very 'helpful.' The duduction is $...
by RMO87
Wed Jan 30, 2013 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Exchange Student Deduction
Replies: 2
Views: 483

Re: Hard Drive - Help!!

Well, I got the Tripp Lite U238-000 SATA adapter and was able to recover about 10.2 GB. However, it does not appear to include our digital pictures and most Word documents that we had. Any suggestions on what to try next?

Thanks,
Ryan
by RMO87
Fri Sep 07, 2012 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2089

Re: Hard Drive - Help!!

Are any of the following three clearly better (USB to SATA adapters)? Or just pick one?

1. Startech.com #USB2SATAIDE
2. Tripp Lite U238-000
3. Vantec CB-ISATAU2
by RMO87
Sun Aug 26, 2012 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2089

Re: Hard Drive - Help!!

Update: I have discovered that it is indeed a hard drive problem. I have removed the hard drive. It is a SATA, 3.5" Western Digital. I plan to purchase a $30 enclosure at Best Buy. Do I need to purchase any additional cables in order to transfer files?
by RMO87
Sun Aug 26, 2012 10:40 am
 
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2089

Re: Hard Drive - Help!!

Thanks a bunch everyone. I will definitely look into these suggestions this weekend!

Ryan
by RMO87
Thu Aug 23, 2012 7:33 am
 
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2089

Hard Drive - Help!!

I think the hard drive on my 5 1/2 year-old computer died last evening. Over the past month or so, the monitor was getting blurry at times, but then yesterday, Windows XP no longer boots. Is there anything that can be done to somehow recover the files???

Thanks in advance!
Ryan
by RMO87
Wed Aug 22, 2012 8:12 am
 
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2089

Re: Refinancing - Title Insurance

Thanks. Now I just have to locate my original closing paperwork to find who did our title insurance (I'm fairly certain it was First American Title).

Ryan
by RMO87
Sat Aug 11, 2012 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing - Title Insurance
Replies: 10
Views: 1411

Refinancing - Title Insurance

We are doing a HARP refinance and have received a GFE with Citi. It includes a steep $1095 for title insurance. It mentions that this is something that can be shopped around. Has anyone had some recent success doing so? Might easytitlequote.com be a reputable place to start? Thanks in advance for an...
by RMO87
Fri Aug 10, 2012 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing - Title Insurance
Replies: 10
Views: 1411

Re: Mortgage Rates - Can I benefit?

Well, I just got off the phone with a Citi rep, and discovered that I do indeed qualify for HARP (who knew?). I was given rates of 4.00% for both 30 and 25-year fixed (no-cost at 4.375%). 7-year ARM is 3.00% (no cost at 3.625). This appears to be the way to go, as there is no worry that you waste pa...
by RMO87
Mon Jul 16, 2012 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates - Can I benefit?
Replies: 3
Views: 1605

Re: Mortgage Rates - Can I benefit?

It is not a Fannie or Freddy loan. We are not behind on our payments. Would I still qualify under the Citi settlement?

Thanks again,
Ryan
by RMO87
Mon Jul 16, 2012 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates - Can I benefit?
Replies: 3
Views: 1605

Mortgage Rates - Can I benefit?

In early 2008, we purchased a new house with a 30-year 5.25%, which was a great rate at the time. I can't believe how low rates have gone; I believe I read the average is now in the mid 3.XX% range. Our loan is with Citi Mortgage. Credit scores are in the upper 700's. We would love to take advantage...
by RMO87
Sat Jul 14, 2012 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rates - Can I benefit?
Replies: 3
Views: 1605

Hosting Foreign Exchange Students

My wife and I are looking into hosting a foreign exchange student through AFS. We are considering a 17-year-old female from Thailand (we’ve received profiles of five and she seems the best fit) . We have two daughters, aged 8 and 6. Has anyone hosted an exchange student before? What are some of the ...
by RMO87
Wed Jun 27, 2012 7:22 am
 
Forum: Personal Consumer Issues
Topic: Hosting Foreign Exchange Students
Replies: 5
Views: 976

Re: [POLL] How many miles on your car?

My 1995 Saturn SC1 is going to hit a major milestone next week: 200,000. Ever since I began driving, a goal of mine was to get 200K out of a car. I bought it fresh out of college and after keeping up with routine maintenance, look where it is now! It was definitely a well-made car and I have no inte...
by RMO87
Sat Apr 07, 2012 4:24 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 6800

Re: Income Tax question

Husband was a full-year resident of Kansas with Kansas income.
by RMO87
Sat Mar 17, 2012 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income Tax question
Replies: 4
Views: 587

Re: Income Tax question

OK, I discovered that Missouri considers her a resident in 2011, as she lived there for over half the year.

Is she able to file Married filing Joint for Federal and Missouri (and Kansas)?

Thanks,
Ryan
by RMO87
Sat Mar 17, 2012 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Income Tax question
Replies: 4
Views: 587

Income Tax question

This one is for my mother:

I was a widowed homeowner in Missouri who got re-married in Nov. 2011. I moved in with my new husband in Kansas at that time. My only income was social security, mutual fund dividends, and annuity income. Do I need to file a Missouri return in 2011?

Thanks!
Ryan
by RMO87
Tue Mar 06, 2012 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income Tax question
Replies: 4
Views: 587

Re: Clothers Dryer - On last leg?

Thank you for the suggestions to check the vent. It definitely had some clogging to it. Part of the problem lies with the vent at the back of the dryer not lining up with the hole in the wall where the tubing connects. The hole in the wall is slightly lower, so that when the dryer is pushed back aga...
by RMO87
Wed Jan 04, 2012 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Clothers Dryer - On last leg?
Replies: 23
Views: 1147

Clothers Dryer - On last leg?

Our 11-year-old dryer is taking longer to dry. A load of towels take 3 hours. I'm thinking it may be time for a replacement, but want to be sure a repair isn't all that is needed. I've done a little research about what it may need: heating element, thermostat, thermal fuse. Anyone have any idea as t...
by RMO87
Fri Dec 30, 2011 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Clothers Dryer - On last leg?
Replies: 23
Views: 1147

US Markets - Flattest day ever?

Just something I noticed... Yesterday, the three major indices had a net change of less than one point. Dow Industrials - Down 0.01% Nasdaq - Up 0.03% S&P 500 - Down 0.02% In addition, Dow Composite - Up 0.04% NYSE Composite - Up 0.04% CRB Commodities Index - Up 0.08% It just seems quite odd, es...
by RMO87
Sat Dec 03, 2011 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: US Markets - Flattest day ever?
Replies: 3
Views: 480

They are Hunter PGV valves. I manually turned, by hand, the solenoid counter clockwise.

Ryan
by RMO87
Mon May 09, 2011 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Sprinkler System - Suddenly Not Working!
Replies: 23
Views: 7061

I checked the water and it is still open. I manually opened the valves and still no rotors are operating. All the wires in the control box appear to be tightly secured.

Does this potentially indicate an electical wiring connection problem at one of the valves?
by RMO87
Mon May 09, 2011 8:11 am
 
Forum: Personal Consumer Issues
Topic: Sprinkler System - Suddenly Not Working!
Replies: 23
Views: 7061

No rain sensor and as far as I can tell from reading the owner's manual, there is no fuse. How do I manually open the main valve?

Thanks again for the suggestions!
Ryan
by RMO87
Fri May 06, 2011 7:18 am
 
Forum: Personal Consumer Issues
Topic: Sprinkler System - Suddenly Not Working!
Replies: 23
Views: 7061

Sprinkler System - Suddenly Not Working!

My system (Hunter with six zones, three years old) has been open and used for about a month now this spring. I suddenly have a problem with the system not working. The controller display operates normally, but the sprinkler rotors don't pop out of the ground, thus no watering takes place. This appli...
by RMO87
Thu May 05, 2011 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Sprinkler System - Suddenly Not Working!
Replies: 23
Views: 7061

I use it, but am looking to try a product called Aquapel this spring. I've read great reviews that say it lasts much longer than Rain-X.

Ryan
by RMO87
Fri Feb 18, 2011 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Rain X Question
Replies: 9
Views: 1670

VoiP / DSL - Help please

Hello! I am attempting to join the 20th century and upgrade from dial-up internet. At the same time, I'm looking for an economical, reliable home phone service. Currently, I have bare-bones AT&T landline phone connection that runs ~$34/month (which includes taxes). My All2Easy dial-up internet r...
by RMO87
Sat Dec 18, 2010 9:59 am
 
Forum: Personal Consumer Issues
Topic: VoiP / DSL - Help please
Replies: 26
Views: 2652

So then, what exactly are the benefits of obtaining "digital phone service" over my current AT&T POTS service? I don't necessarily plan to switch (especially now that it looks I can use a DECT 6.0 phone with my current POTS connection), but curious how POTS vs. "digital service&qu...
by RMO87
Fri Dec 10, 2010 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Cordless Phones - DECT 6.0
Replies: 8
Views: 1136

Cordless Phones - DECT 6.0

Hello, I was shopping for a new cordless phone to replace the one I've had for 8 years (a 900 Mhz DSS). I've noticed that practically all cordless phones on the market today are DECT 6.0. Will any of these DECT phones work on a landline that is not digital (I believe it is referred to as a POTS conn...
by RMO87
Fri Dec 10, 2010 8:28 am
 
Forum: Personal Consumer Issues
Topic: Cordless Phones - DECT 6.0
Replies: 8
Views: 1136

I went with the Cooper Discoverer CTS and regret not buying the BF Goodrich Long Trail T/A Touring. I definitely don't think I was being cheap in selecting Cooper; both tires received great reviews in my research. It was a coin toss, $55 or so was the difference between them. The original tires on m...
by RMO87
Thu Apr 29, 2010 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Tire Shopping - Buyer's Remorse
Replies: 10
Views: 2097
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