Search found 809 matches

Return to advanced search

Re: If you have ACA health insurance, what is your experien

Confused ... it appears from reading your responses you are one of the Invincible-20-Somethings and really aren't interested in health insurance because nothing is going to happen to you and if it does you just won't get treatment. However, if you fall and break a leg, you'll likely get it treated. ...
by SnapShots
Tue Apr 22, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 124
Views: 5300

Re: If you have ACA health insurance, what is your experien

[OT comments removed by admin LadyGeek]
by SnapShots
Mon Apr 21, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 124
Views: 5300

Re: If you have ACA health insurance, what is your experien

What a great thread about the ACA. [OT comments removed by admin LadyGeek] Would you mind sharing your state? Oklahoma. Depending on what report you look at, Oklahoma ranks 44 to 49th in health. The top five healthy states in order are Hawaii, Iowa, New Hampshire, Vermont, and Maine. The bottom fiv...
by SnapShots
Mon Apr 21, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 124
Views: 5300

Re: If you have ACA health insurance, what is your experien

What a great thread about the ACA. [OT comments removed by admin LadyGeek]
by SnapShots
Mon Apr 21, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 124
Views: 5300

Re: Life Insurance Primary and Secondary Beneficiaries

I agree having wills and trusts set up are head scratching!!!! We just updated or started over with a new one a few months ago. After the first page my eyes glaze over. It's a little (a lot) easier now than it was 10-15 years ago when only $1M for both husband and wife could be passed on and not be ...
by SnapShots
Mon Apr 21, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Primary and Secondary Beneficiaries
Replies: 35
Views: 1116

Re: POLL: why carry cash?

Donuts. Do you really use a credit card for 65 cents? It probably costs the merchant more than that to process your charge. Is there something one can buy that costs 65 cents? :wink: We use plastic credit cards for nearly every purchase. It's more convenient and easy to track what money is being sp...
by SnapShots
Mon Apr 21, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 216
Views: 6886

Re: Part time work opportunity- opinions wanted

9 weeks of vacation and still working too hard. :happy Sorry, it's hard to relate.

DH was in private practice and it was difficult to take off two weeks. I think, we did that for the first time for our 25th wedding anniversary.
by SnapShots
Sun Apr 20, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part time work opportunity- opinions wanted
Replies: 5
Views: 523

Re: Barclays CD 60-month at 2.25% APY

Thank You!!! Kevin for all you useful information about CDs and Bonds. However, bonds always leave me yawning and scratching my head. :?
by SnapShots
Thu Apr 17, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1413

Re: Dilemma about legal action for injured child

The insurance company is trying to settle the claim. They're offering you a payment. Speak with an attorney and tell them what you want.
by SnapShots
Thu Apr 17, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dilemma about legal action for injured child
Replies: 17
Views: 1815

Re: Looking for Low-Cost Eyeglass Shop I can visit

I have not read all the answers and will go back and review. However, a long while back there was a news program, I believe it was 60 Minutes, regarding the cost of glass frames. One company bought up ALL the glass companies ... therefore, there is no longer competition when it comes to glass frames...
by SnapShots
Wed Apr 16, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1485

Re: Keep passwords in USB thumb drive: good idea?

Thanks everyone. Using a password manager feels wrong because I am trusting an outside entity, but I have to get over it and bite the bullet. I'll read the "KeePass vs LastPass" thread to decide which one is best for a MacBook Pro. Dang. Thought we had a simple solution. :? Since you're a...
by SnapShots
Wed Apr 16, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2019

Re: KeePass vs LastPass

Mac users might have interest in 1Password. It is on sale this weekend, 50% off, in the App store. I have been using it for several months on my MacBook, iPhone and iPad. It is an excellent password (and all sorts of other information one would want to keep secure) App in my opinion; read the vario...
by SnapShots
Wed Apr 16, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5985

Re: To buy or not to buy a new house?

It never ceases to amaze me how people can afford to buy homes and live in such high cost areas of the country, even though, you have a very nice income that nets $168K a year. At 4.7%, a 30 year mortgage payment on $700K is $3,600+/mo. This doesn't include property taxes, insurance, maintenance, ut...
by SnapShots
Mon Apr 14, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy a new house?
Replies: 15
Views: 2162

Re: KeePass vs LastPass

Mac users might have interest in 1Password. It is on sale this weekend, 50% off, in the App store. I have been using it for several months on my MacBook, iPhone and iPad. It is an excellent password (and all sorts of other information one would want to keep secure) App in my opinion; read the vario...
by SnapShots
Mon Apr 14, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5985

Re: Tax Question: How to Depreciate Water Heater?

I would list it as a repair or maintenance and be done with it. :wink:
by SnapShots
Sat Apr 12, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question: How to Depreciate Water Heater?
Replies: 16
Views: 918

Re: KeePass vs LastPass

Started experimenting with LastPass on Chromebook yesterday (browser plug-in only, no binary supported on CB). First two logins I tried to set up were Vanguard and Ally Bank, both requiring two screens. Followed the LastPass instructions for two-screen logins, but it did not work well or consistent...
by SnapShots
Sat Apr 12, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5985

Re: New TV or Sound bar?

I think in general sound on most TVs is pretty bad-- perhaps with the thinner TVs it's more difficult to get decent sound, or maybe they've given up trying because people are getting separate soundbars. You could look at the vizio soundbars-- I know a lot of people have been happy with them as a go...
by SnapShots
Sat Apr 12, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2209

Re: KeePass vs LastPass

How secure is DropBox? Or, Google Drive for that matter? And, I wonder about FREE software? How does LastPass make $$$ to stay in business, keep their product update and safe?
by SnapShots
Thu Apr 10, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5985

Re: Why Americans are Retiring Overseas

You do realize that this is a puff piece for a company pushing overseas retirement? Do you really not believe It is a real option for many? My opinion/ prediction this will be a natural alternative to the upcoming situation for many americans. Many folks do not have adequate retirement savings. For...
by SnapShots
Thu Apr 10, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9003

Re: Question for photographers: how is this done?

I came across this photo today and am curious if anyone knows how something like this is accomplished: http://500px.com/photo/66204473 http://500px.com/photo/60103118 I've been experimenting with some impressionistic photo techniques where you slow the shutter speed down and pan the camera while sh...
by SnapShots
Tue Apr 08, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1385

Re: Question for photographers: how is this done?

This information was listed under the photo. This is at least!!!! two separate pictures. Lots of Photo Shop and other photo software enhancing. The girl was not shot at the same time, she was added later, along with her shadows. NIKON D80 Focal Length 48mm Shutter Speed 1/5 secs Aperture f/22 ISO/Fi...
by SnapShots
Mon Apr 07, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Question for photographers: how is this done?
Replies: 15
Views: 1385

Re: advice for 83-year-old in-law with Alzheimer's

Before one jumping into buying a $180K annuity for an 83 year with Alzheimer's, one needs to know what stage of the disease he is in. Is FIL in assisted living or in a nursing home? If he is in assisted living, at what point will he need to be moved to a nursing home? Nursing home care is more expen...
by SnapShots
Thu Apr 03, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: advice for 83-year-old in-law with Alzheimer's
Replies: 24
Views: 2669

Re: Urge to buy a house every rent increase

I use to own a number of rental properties and I'm down to one. Nearly every year insurance and property taxes go up -- so if you own a home your expenses will go up -- even though your mortgage payment will stay the same. It depends on where you live, but I only went up on rent when I had too, beca...
by SnapShots
Thu Apr 03, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1508

Re: Death of co-worker

Although, I don't want to know ... I think, if we knew the exact number of days we had left ... we would stop more often to smell the flowers, live life more fully and stop worrying about the little stuff. We would, also, know exactly how much we needed in our 401K. :wink: A better question would b...
by SnapShots
Wed Apr 02, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9293

Re: How Many Properties Do You Own?

    A primary home
    A garden home used as rental unit (from a 1031 Exchange)
    A second home - townhome - 1,200 sq ft
    38 acres from an inheritance

No mortgages.
by SnapShots
Tue Apr 01, 2014 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2165

Re: Death of co-worker

My sister and brother-in-law died, unexpectedly, in a small plane accident in 2002. She was 51. The suddenness and shock of her death (and BIL) was a wake up call and made me appreciate each day and overlook many small things in life, which were not important but had a way irritating me. Her death g...
by SnapShots
Tue Apr 01, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9293

Re: Earthquake insurance in California

I'm in Oklahoma and bought earthquake insurance last month. The tremors and big bangs are constant and something we are not use to. We have to deal with tornado's: Now earthquakes. :oops:
by SnapShots
Tue Apr 01, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1435

Re: Retired: When to move?

Some people are better at moving than others. The people I've known who have no problem relocating and making friends have been "military brats" and college coaches. They jump right in, get involved, become part of the community and seemingly are able uproot easily and move without looking...
by SnapShots
Mon Mar 31, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 3996

Re: Retired: When to move?

We have a second home in the Rockies and thought about downsizing there. Since retiring and being able to spend an extended time in our second home (four-six months a year), changed our minds: we're not relocating to another community. Even though we are no longer are very active in our hometown, we...
by SnapShots
Sun Mar 30, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 3996

Re: Really confused by Bernstein

why don't you go chat up a few retirees .... Indeed, they might well smile at some of the pretense that informs some of the responses you have received. .... I talk to them every day--mainly at the gym, bookstores, and coffee shops. You would be astonished by how differently they have gone about re...
by SnapShots
Sat Mar 29, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12894

Re: Do you have hardwood or tile in your kitchen?

Our home, except for the bedrooms, is tiled throughout the house with the same tile. I had a home with wood flooring and found it to be a lot of work. However, I think today's wood is treated differently and is easier to maintain. Wood is softer and easier to stand on for a long time. I use area rug...
by SnapShots
Fri Mar 28, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3119

Re: Buying a house with a partner, not married

I don't understand why they aren't getting married? Here is a couple who have sold their homes, they're moving in together, combining assets, they plan on getting married, they want to provide for each other when they are old....... OP ... I don't expect an answer. And, I'm not hung up on people get...
by SnapShots
Fri Mar 28, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner, not married
Replies: 23
Views: 1328

Re: Buying a house with a partner, not married

Ok, so I fully understand the comments, but this isn't part of the debate. The question isn't should they buy a home or not. The question is, they're going to buy a home, so what's the best way to go about it? Let's start with that premise for those willing to chime in. The person with the $500K sh...
by SnapShots
Fri Mar 28, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner, not married
Replies: 23
Views: 1328

Re: Renal Property Math - Make Sense?

I suggest you sell it and take a small loss now. You don't want to be far away getting calls that something is going wrong. Enjoy your overseas adventure....you may stay longer than you plan and when you return you may wish to try another adventure in another place. Why tie yourself down to a chunk...
by SnapShots
Wed Mar 26, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renal Property Math - Make Sense?
Replies: 21
Views: 1821

Re: How do I convince my 78 year old mom to go passive?

Two years ago my mom had to face a fact she had fought all her life - retirement. After a fifty year career as a CRNA (Nurse Anesthetist) she was suddenly in her "golden years". I moved across the state to help her and we started looking at all of her affairs. Luckily she was in a financi...
by SnapShots
Wed Mar 26, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I convince my 78 year old mom to go passive?
Replies: 28
Views: 2581

Re: When does depreciating a rental property save on taxes?

Oh! the upside and downside of depreciation. It is how real-estate tax laws ... forever... keeps you locked into real-estate, going from one 1031 exchange to another; eventually making your heirs wealthy. :moneybag ?????? Please explain. You mean because when you die, no taxes need be paid, and the...
by SnapShots
Wed Mar 26, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4283

Re: Partial rental of primary residence

Tax question here...if we want to claim deductions on expenses of our partial rental, what documentation do we need. We rented out a room in our house to one of our relatives, however didn't really have them sign a lease or a contract. Also, they just paid us in cash. I'd like to be able to claim i...
by SnapShots
Wed Mar 26, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Partial rental of primary residence
Replies: 4
Views: 346

Re: Property Taxes - Doubling Up

Has anyone paid two years worth of property taxes in one tax year? Mine are due March and August and barely gets me over the standard deduction. My hypothesis is by paying both 2014 and 2015 property taxes in tax year 2014 I will enjoy the full deductibility benefit of 2015's taxes. Thoughts? OK......
by SnapShots
Wed Mar 26, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property Taxes - Doubling Up
Replies: 20
Views: 1215

Re: When does depreciating a rental property save on taxes?

Oh! the upside and downside of depreciation. It is how real-estate tax laws ... forever... keeps you locked into real-estate, going from one 1031 exchange to another; eventually making your heirs wealthy. :moneybag
by SnapShots
Mon Mar 24, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: When does depreciating a rental property save on taxes?
Replies: 70
Views: 4283

Re: Kindle Paperwhite?

My preferred reading device is a Paperwhite. It's the best Kindle I've owned. I only use it for books, so can't speak to its other uses. +1 I just bought a Paperwhite because I like to read while traveling. Tried using the an IPad, sun glare was a big problem. Not so with the Paperwhite. I, also, l...
by SnapShots
Mon Mar 24, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3258

Re: selling property from an estate vs. distributing it to h

Regarding selling rental property. You might look into an auction. This method unloads the property quickly and usually for the most money you're likely to get. The auction can be advertised nationwide, as well as, locally. I used this on inherited farm land. It would have taken us years to sell thi...
by SnapShots
Mon Mar 24, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: selling property from an estate vs. distributing it to heir
Replies: 4
Views: 549

Re: Do you work part time in retirement?

First, I want to say DH and I loved our work years but retirement is better and we would not consider going back. Having said that, retirement is a huge adjustment and it takes a few years to settle in. One day your working and the next day you're not. My biggest loss was the daily contact with work...
by SnapShots
Mon Mar 24, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3908

Re: Issues with income from sharing a home

Of course we take our primary home's property taxes off our taxes .... DD does not own the home. DD's cost of living expenses are greatly reduced because she does not own a home and all the costs that go with it. Should she have to declare unearned income because she pays no rent? :oops: Snapshots:...
by SnapShots
Fri Mar 21, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issues with income from sharing a home
Replies: 17
Views: 706

Re: Issues with income from sharing a home

Daughter pays half the utility bills, property tax, insurance. We pay for cable TV and Internet service. She has us on her iPhone plan. Charge rent or split bills.... But Don't involve the IRS So who gets the deduction in property tax if she's paying it? No one. Only the owner who pays gets the ded...
by SnapShots
Fri Mar 21, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issues with income from sharing a home
Replies: 17
Views: 706

Re: Issues with income from sharing a home

Daughter pays half the utility bills, property tax, insurance. We pay for cable TV and Internet service. She has us on her iPhone plan. Charge rent or split bills.... But Don't involve the IRS So who gets the deduction in property tax if she's paying it? So, who gets the deduction when rent is paid...
by SnapShots
Fri Mar 21, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Issues with income from sharing a home
Replies: 17
Views: 706

Re: Point & Shoot Camera for a Senior

The ELPH 130's Aperture is Faster! and better than the Powershot. F2.8 is faster than F3.2 and Better!! Why is that? F2.8 is faster than F3.2 at least for DSLRs. I would think it would be the same for point and shoots The F stop for a point and shoot and DSLRs are the same. An F2.8 is one stop wide...
by SnapShots
Fri Mar 21, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Point & Shoot Camera for a Senior
Replies: 22
Views: 862

Re: Issues with income from sharing a home

My opinion, which I have expressed in other threads, is that the tax law never intended to include arrangements such as this, in which expenses in living arrangements are shared. I don't think this is any different than many other transactions in daily life such as buying someone lunch or picking u...
by SnapShots
Fri Mar 21, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Issues with income from sharing a home
Replies: 17
Views: 706

Re: Buy a used car or pay $5,000 more to get a new one?

We were in a similar situation two months ago. We were going to buy a 2013 used Suburban, but the new 2014's were only $5K more. The 2015 Suburban which comes out this summer (2014) will be a new design. This will make the 2013 .... 3 to 3.5 years old depending on when it was made. The dealers have ...
by SnapShots
Fri Mar 21, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4235

Re: Children: Are they worth every penny?

Count your blessings and don't have any more kids. You have a large extended family with cousins: Enjoy! It will take only one sick child to ruin everything. $1M is not a lot of money. Use to be. Sounds like a lot. Your husband is too old for more kids. Retire and look forward to future grandchildre...
by SnapShots
Fri Mar 21, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4599
Next

Return to advanced search