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Re: How to tell if heat pump is working?

Yes outside fan should be running . Your tstat should have a heat option plus an emergency option . Also called auxiliary heat. When it's in emergency , your gas furnace will be on .
by UpstateNY86
Sun Nov 02, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: How to tell if heat pump is working?
Replies: 4
Views: 428

Re: Power vent water heater noise

I work on them a lot...no noise issues to worry about...why can't you replace your existing natural draft with like? Power vents more $$ and costly to repair..
by UpstateNY86
Fri Aug 01, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 1071

Re: Will adding [air duct] returns cool the upstairs bedroom

Livesoft , there is a reason for that . Care to take a stab? As one whos in the field everyday, the BPI auditing IMO is not the gospel by any means . One thing for sure ceiling fans are a must , and if you can swing it just buy a ductless split system that will easily cool your upstairs . Look into ...
by UpstateNY86
Sat Jun 14, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5637

Cole taylor

Anybody familiar with this company mortage wise ? They are offering me 4.625 with a 500$ credit . It seems like they are juicing me pretty good . I went through a more official bank first but got turned down due to switching fields .
by UpstateNY86
Thu Apr 17, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cole taylor
Replies: 2
Views: 704

Re: Central AC and Forced Hot Air Heat (Gas)

I would change out both . 20 years is shelf life of furnace IMO. As a technician that's what I tell my customers. Have you had a good inspection done on your furnace to make sure everything is in tact ? I know at our company the discount you save is the labor fee. So instead of say 7500 it will be 7...
by UpstateNY86
Thu Apr 17, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 15
Views: 2824

Re: Just had offer accepted on a house! (Advice pls!)

Wow great rate. My bank, cole taylot, is offering 4.75 with 500 lenders credit.
by UpstateNY86
Wed Apr 16, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just had offer accepted on a house! (Advice pls!)
Replies: 29
Views: 2546

Re: Curious on tax return for mom and dad..

Accountant called me back apologizing. Blamed software, has to file amended return. YIKES.
by UpstateNY86
Wed Apr 16, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 2090

Re: Curious on tax return for mom and dad..

Hey guys. Had to bump this, as my parents tax man only gave them refund of 487 instead of 3250. It is that difference of my little sister being a dependant or not. She is 20yo and lives in dorm at UB, and then home the rest of the time. Why could this have happened? I am waiting on a call back..
by UpstateNY86
Wed Apr 16, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 2090

Re: Curious on tax return for mom and dad..

What do you mean elgible dependant? She lives at home when not at college(where she lives in dorm). No job.
by UpstateNY86
Mon Mar 17, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 2090

Re: Curious on tax return for mom and dad..

earlyout: How much would they get back relative to 1k investment in a roth? Thanks for the heads up. My question is why are they getting 3250 back? I don't understand when they did not have even pay fed taxes. Is that EIC, or both EIC and having kid in college? Curious if anyone knows the breakdown.
by UpstateNY86
Mon Mar 17, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 2090

Curious on tax return for mom and dad..

A little embarrassed to post this income, but oh well. Mom and Dad and 1 full time student Total income 13,000 No federal taxes taken out 94.17 state taxes taken out. Also, one daughter who is full time college student. Does her residency impact the EIC credit? I am confused and baffled because I pu...
by UpstateNY86
Mon Mar 17, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious on tax return for mom and dad..
Replies: 22
Views: 2090

Re: Finance/Accounting outlook

Hey bogleheads! Thanks for all the nice responses. I wanted to follow up considering I met with prof. It went extremely well. He said companies care about hard work, grades, and other extracirc. stuff. He also mentioned me potentially getting into finance, and told me its heavy initially with sales....
by UpstateNY86
Wed Jan 29, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance/Accounting outlook
Replies: 15
Views: 1092

Re: Finance/Accounting outlook

Thanks for replies . It's a big gamble though . Right now I make about 40 k and am just a rookie in the field as a Hvac tech . Senior techs easily pull down 70-80k. It's just not my thing and don't want my felony to deter me . All my friends that I grew up always tell me I was destined for greatness...
by UpstateNY86
Thu Jan 23, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance/Accounting outlook
Replies: 15
Views: 1092

Finance/Accounting outlook

Hello fellow bogleheads. I am currently in the trades making a decent living right now. I like what I do, but I don't love it. There is definitely some upward potential also. While I was younger( I am 27 now) I went to our local CC and had a 3.9 GPA majoring in Business admin. I completed I believe ...
by UpstateNY86
Thu Jan 23, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance/Accounting outlook
Replies: 15
Views: 1092

Re: unemployment

jeez, my pay there is so minimal it wouldn't even be worth it to stay...thanks :shock:
by UpstateNY86
Tue Jan 07, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: unemployment [How does it work in NY state?]
Replies: 6
Views: 616

unemployment [How does it work in NY state?]

I am unfamiliar with how unemployment works(in upstate ny). I hold 2 jobs, the second being something I have just been holding onto because I enjoy going in once a week on SUNDAY. My second job all the funds go straight to 401k. My main career is highly seasonal, and I am unfortunately anticipating ...
by UpstateNY86
Tue Jan 07, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: unemployment [How does it work in NY state?]
Replies: 6
Views: 616

Re: Shocking Furnace Replacement Cost

What kind of AC unit did you have put in livesoft?7k sounds obscene.
by UpstateNY86
Thu Dec 26, 2013 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Shocking Furnace Replacement Cost
Replies: 21
Views: 2702

Re: Shocking Furnace Replacement Cost

BTW, whatever you do, leave HD or lowes alone on this one. In our area a top of line carrier(which is what we sell) heat/cool package will run about 9-10k.
by UpstateNY86
Thu Dec 26, 2013 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Shocking Furnace Replacement Cost
Replies: 21
Views: 2702

Re: Shocking Furnace Replacement Cost

As an HVAC guy myself...please give specifics...one thing when it comes to the bidding etc...TRUST ME CHEAP IS NOT ALWAYS BETTER!! Having peace of mind for the next 20 years with a quality install, or a different headache every year? Does that mean bigger is better? Absolutely not. The little shops ...
by UpstateNY86
Thu Dec 26, 2013 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Shocking Furnace Replacement Cost
Replies: 21
Views: 2702

Re: My Dads gift..

Thanks for the quick reply. I agree with the situation being what it is, the dell should be suitable. Anyone with any experience?
by UpstateNY86
Thu Nov 28, 2013 12:19 pm
 
Forum: Personal Consumer Issues
Topic: My Dads gift.. [Tablet PC]
Replies: 22
Views: 1253

Re: My Dads gift..

Well, I suggested IPAD. My sister insists on getting the dell venue. I guess they are going on sale tonight for 130$$. Now one thing to consider again , is that he will only use this for stock checking. If you could picture like a guy whos completely foreign to technology and can barely see because ...
by UpstateNY86
Thu Nov 28, 2013 12:04 pm
 
Forum: Personal Consumer Issues
Topic: My Dads gift.. [Tablet PC]
Replies: 22
Views: 1253

My Dads gift.. [Tablet PC]

Well, my dad has NEVER asked us kids to buy him a gift. He is extremely frugal and hates spending $$, especially on himself. He finally asked me to get him something, and I actually feel honored to get him a nice gift. I am not too familiar with ipads and the like. He wants pretty much the simplest,...
by UpstateNY86
Thu Nov 28, 2013 8:18 am
 
Forum: Personal Consumer Issues
Topic: My Dads gift.. [Tablet PC]
Replies: 22
Views: 1253

Re: Capital One Quicksilver: 1.5% reward, thoughts?

You guys got me! Was looking for a decent rewards card as I have been using a reg card this past year. Approved for 5k!
by UpstateNY86
Thu Nov 28, 2013 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One Quicksilver: 1.5% reward, thoughts?
Replies: 91
Views: 11520

Re: "Holding a mortage"

I still am in the early process of this. I still have to work out a lot of kinks and see if she is willing to agree to the fed prime rate etc...Was just looking for downfalls to this kind of deal and anybody who has experience in it. Thank you
by UpstateNY86
Fri Aug 23, 2013 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Holding a mortage"
Replies: 10
Views: 964

Re: "Holding a mortage"

Well what's the risk ? This is the stuff I'm looking for, the downside.
by UpstateNY86
Fri Aug 23, 2013 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Holding a mortage"
Replies: 10
Views: 964

"Holding a mortage"

Would like to consult with the smartest people in the room on this issue(my fellow bogleheads). I have a family friend who is willing to "seller finance". Pro's are not that much $ down, great rate, and an awesome house to boot. It seems too good to be true. Anything I should know about ? ...
by UpstateNY86
Fri Aug 23, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Holding a mortage"
Replies: 10
Views: 964

Re: 401k help

The company I would guess employs about 5k people. Many new stores opening. So that makes sense why I look online and see diff expenses ratios compared to my 401k printout. It is run through MASS MUTUAL. It looks like my two lowest are EATON VANCE large cap at.98% and the Northern Trust index fund a...
by UpstateNY86
Sun Jul 28, 2013 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k help
Replies: 7
Views: 459

Re: 401k help

I am going to , but should I post the gross expense or the net expense. The Net is what it will end up costing me? All are pretty high...shrugs..
by UpstateNY86
Sun Jul 28, 2013 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k help
Replies: 7
Views: 459

401k help

Hey bogleheads! I need some advice regarding my 401k plan. I have a part time job on the weekends that I recently found out I am elgible for a 401k plan there. I do not currently have one at my weekday job. This $$ is all savings cash whether 401k, or taxable with vanguard. I can and am willing to d...
by UpstateNY86
Sun Jul 28, 2013 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k help
Replies: 7
Views: 459

Scottrade [Introduces DRIP (Dividend ReInvestment Plan)]

FYI to all users they introduced their DRIP feature this month. It's about time. Was a major drawback to their service, and one of main reasons for opening a taxable VANGUARD.
by UpstateNY86
Thu Jun 06, 2013 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Scottrade [Introduces DRIP (Dividend ReInvestment Plan)]
Replies: 18
Views: 2547

Re: "this old house" money saving tricks/tips

Actually you are always supposed to have it set at 75 degree F for ideal cooling temp. At least that's what I learned in HVAC school FYI. But whoever installed the unit hopefully verified all the proper specs and picked out the right sizedt unit.
by UpstateNY86
Thu Jun 06, 2013 7:37 pm
 
Forum: Personal Consumer Issues
Topic: "this old house" money saving tricks/tips
Replies: 30
Views: 3455

Gift Taxes

Question for board...I always thought you only avoid paying taxes on a gift if it is under 14k for 2013? CPA told my sister that she could just cut a 40k check and issue it is as a gift and will not pay taxes. Will just know down her threshold on estate taxes?
Thanks.
by UpstateNY86
Thu May 23, 2013 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift Taxes
Replies: 3
Views: 400

Tax question/divorce question

Hello guys, I am in much need of BH advice. My fiance's mom and dad are in the midst of a nasty divorce..Anyways they currently have a home equity loan in the marital residence and property taxes(obviously). She lives there and he lives with his girlfriend. He has been paying the HELOC and the taxes...
by UpstateNY86
Wed Mar 13, 2013 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question/divorce question
Replies: 3
Views: 450

Re: Settlement offer [Credit Card Debt]

Whats that?I just want to be assured from the mortage broker that if we pay at the settled rate the mortage will be cleared. I will ask tomorrow. Just chomping at the bit!
by UpstateNY86
Mon Mar 04, 2013 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Settlement offer [Credit Card Debt]
Replies: 8
Views: 1013

Re: Settlement offer [Credit Card Debt]

We talked tonight. They started at 2200 and then dropped it to 1900 saying final offer. :shock:
by UpstateNY86
Mon Mar 04, 2013 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Settlement offer [Credit Card Debt]
Replies: 8
Views: 1013

Settlement offer [Credit Card Debt]

Ok, here is the situation. My future MIL is in the midst of a divorce. She is trying to keep the house, but the bank will not finance here what she needs. She has the means to afford it, but this income cannot be documented or verified and is unacceptable to the bank. On to plan B. She has her fathe...
by UpstateNY86
Mon Mar 04, 2013 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Settlement offer [Credit Card Debt]
Replies: 8
Views: 1013

Re: Tax question regarding sale of stocks

Is there anything legal that can used against me that I should be worried about? I cant believe in this day and age prudential does not have my records.
by UpstateNY86
Wed Feb 27, 2013 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding sale of stocks
Replies: 11
Views: 452

Re: Tax question regarding sale of stocks

Zero records. I know its hard to fathom. I was really young and really stupid. Totally lost track of it and finally over time decided to look into because I wanted to sell. I was getting statements, but they were going to my moms house. She just threw them out.
by UpstateNY86
Wed Feb 27, 2013 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding sale of stocks
Replies: 11
Views: 452

Re: Tax question regarding sale of stocks

They dont. That department I guess is closed or something. Already tried calling them.
by UpstateNY86
Wed Feb 27, 2013 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding sale of stocks
Replies: 11
Views: 452

Tax question regarding sale of stocks

I purchased 3 stocks roughly around 2005-2006. I sold them last year and just received my 1099. The company I used(prudential securities) transferred my account to a regal securities. I know I took a loss on 3 stocks. I do not know how much, and don't know how to prove it. The statement does not hav...
by UpstateNY86
Wed Feb 27, 2013 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question regarding sale of stocks
Replies: 11
Views: 452

Re: Need opinions

She wants to pay it off..I read that they can garnish wages also. I have tried to give her advice and help she just now is finally starting to comprehend everything . :oops:
by UpstateNY86
Tue Feb 19, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need opinions [How to manage Credit Card debt?]
Replies: 8
Views: 424

Need opinions [How to manage Credit Card debt?]

Ok, here is the dilemma. My fiancee(i know this will disturb everyone) has CC debt right now around 14k. She only makes 30k a year...Should she just walk away from the CC and default? Or should she someonehow keep on trying to get it down? She only clears 2k a month take home and has expenses of 250...
by UpstateNY86
Tue Feb 19, 2013 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need opinions [How to manage Credit Card debt?]
Replies: 8
Views: 424

Re: Tax deductions?

Punched in her expected refund and it came out with 700$ . Bigger than I thought.
by UpstateNY86
Tue Feb 05, 2013 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions?
Replies: 7
Views: 555

Re: Tax deductions?

Ok thank you! My little sister made 7k last year. Does she still get the 5600 standard deduction?
by UpstateNY86
Tue Feb 05, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions?
Replies: 7
Views: 555

Tax deductions?

I am working on my tax forms currently. Can i deduct my medical expenses if i take the standard deduction? I also had lasik eye surgery this year and everywhere i have read states i can deduct that. Even if it was not needed(well, my vision went from 20/200 to 20/20) or pushed on me for medical reas...
by UpstateNY86
Tue Feb 05, 2013 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deductions?
Replies: 7
Views: 555

Re: mortage theory

thanks for replies,
by UpstateNY86
Fri Feb 01, 2013 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: mortgage theory
Replies: 6
Views: 801

mortgage theory

Sorry if this sounds stupid. I was mulling this over though and can't seem to get a straight answer. Lets say I take out a mortage(3o yrs) and have to pay 800 a month. 30 years later you are still paying the same 800. According to the inflation calculator 1981-2011 800=1900+. Wouldnt you much better...
by UpstateNY86
Fri Feb 01, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: mortgage theory
Replies: 6
Views: 801

Re: Social Security Rat-holes

cue sscritic.
by UpstateNY86
Wed Jan 30, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security Rat-holes
Replies: 4
Views: 1261

Re: Quitting Job of 20yrs to start business

Whats your current salary that your giving up? Tough to have both sides relying on business $$ initially. Kids?
by UpstateNY86
Sun Jan 27, 2013 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting Job of 20yrs to start business
Replies: 31
Views: 3824

Re: How Bogleheads made me a worse Investor

What are the con's of the target retirement fund if the AA is always accurate for the investor? Why monkey around with the 3 fund?
by UpstateNY86
Wed Jan 23, 2013 9:39 am
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7653
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