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Re: noise-blocking headphones

How about a pair of earmuffs that they use when you are a gun range?

I agree with you that it is hard to enjoy the great outdoors when it is NOISY.
by ieee488
Wed Apr 15, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 27
Views: 1968

Re: question about penalty for lack of health insurance

earlyout wrote:You do get the tax benefits of being married all year so perhaps the MFJ status applies all year to the ACA penalty. I don't know.



Perhaps the OP should see whether Married Filing Separately yields more advantageous results?
by ieee488
Sun Apr 12, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about penalty for lack of health insurance
Replies: 7
Views: 890

Re: question about penalty for lack of health insurance

Ignore. You don't have to pay the penalty. The government cannot come after you in any way, liens, interest, late-fees, etc. Can you explain this further? ADD: At any rate, I believe the maximum penalty for 2014 is $72. Not sure where you get $2400. Maybe run the numbers on TaxAct just to double-ch...
by ieee488
Sun Apr 12, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: question about penalty for lack of health insurance
Replies: 7
Views: 890

Re: Another new two comma club member

FedGuy wrote:
stilts1007 wrote:Congrats! Splurge on some guacamole :)


Nah...I'm too cheap for that.



Guacamole is included if you get the vegetarian burrito. That's what I order. Yum!
by ieee488
Sat Apr 11, 2015 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 13
Views: 1616

Re: Lawn Sprinkler System

There are informative videos on Youtube.

The builder had a subcontractor put in a system for my house.
Last summer one fo the heads wasn't putting out much water.
Youtube video to the rescue.

Changing heads looks to be fairly easy.
by ieee488
Thu Apr 09, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Lawn Sprinkler System
Replies: 5
Views: 626

Re: Manufactured Spending - Good Idea / Bad Idea?

There is no need to do it "big time." Getting 4 credit cards/year with 50,000 miles each, gives one 200,000 miles/year which is enough for 2 x 70,000 mile free flights to Asia + 1 x 60,000 mile free flight to Europe. Of course, in the real life the calculations are not so clean: the miles...
by ieee488
Sat Apr 04, 2015 6:33 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9404

Re: Manufactured Spending - Good Idea / Bad Idea?

I suspect that many of the people are doing funny accounting when they add up their earnings from these schemes. You usually do these deals to get travel rewards and not straight cash back. If I earn a free flight with American Airlines that costs $800, but jetblue flies the same route and time for...
by ieee488
Sat Apr 04, 2015 6:27 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9404

Re: VRBO rental gone awry- recourse for security deposit?

A few hours driving? Let's say four hours, 200 miles of driving, and time off from work. I'd keep the deposit too. I have to drive that far on occasion, and at my age it's exhausting. Plus you blew their day. As to their calling neighbors, maybe they don't know any of the neighbors. I call BS. I si...
by ieee488
Sat Apr 04, 2015 6:22 am
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 4986

Re: sign up for another credit card ?

I signed up for the offer online.

This one was a bit sneaky.
Even though it said I was prequalified until 5/17/15, the cash bonus is only valid if I apply one or before 3/31/2015.
by ieee488
Mon Mar 30, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 821

Re: Schedule D/1099B/Form 8949 Question

ieee488, Thanks for your reply. Yes, capital gains were reinvested also. I need to include capital gains that were reinvested from 2006 to the day until I sold the fund (2014), right? Because you did not stop the re-investment, you will have short-term gain/loss and long-term gain/loss. Most likely...
by ieee488
Mon Mar 30, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 425

Re: Hate where we live, do we make major changes?

Wow, I am surprised about Delaware. It is actually first on my list of retirement states. To the OP, if you can, go to a place where you think you would like to live and actually live there. I have lived in 8 places since graduating college. I lived in the panhandle of Texas, NYC, and central Ohio g...
by ieee488
Sun Mar 29, 2015 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12073

Re: Schedule D/1099B/Form 8949 Question

Were your capital gain distributions re-invested?
If so, that would also be a part of your cost basis.

Otherwise, you are doing it right.
by ieee488
Sun Mar 29, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 425

Re: sign up for another credit card ?

You've convinced me. :-)
by ieee488
Sun Mar 29, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 821

sign up for another credit card ?

I received an offer from TD Bank. $200 cash bonus when I spend $500 within the first 90 days. There is 5% cash back on the first 6 billing cycle, but there are restrictions in the small print, so I won't be counting on that. After that it is 1% cash back. There is no reason to sign up for this credi...
by ieee488
Sun Mar 29, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 821

Re: I'm a single 38 yo female needing financial advice

You'll want to open a 401(k) for that freelancing income unless of course, it is "under the table".
by ieee488
Fri Mar 27, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a single 38 yo female needing financial advice
Replies: 18
Views: 3124

Re: Best Bank for Checking Account

I have an interest free checking account at a major brick bank that is very convenient. It pays not interest so I am tempted to look around for a better checking that is free and pays interest and has no gotchas. Then I figured out what an average balance would be and the interest it would generate...
by ieee488
Wed Mar 25, 2015 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2639

Re: Best Bank for Checking Account

My main checking account is with a local bank.
No fees. Just keep $100. No interest.

I don't use ATMs so nationwide ATMs are not important to me.
by ieee488
Tue Mar 24, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2639

Re: VBRO and Airbnb versus property values

4nursebee wrote:Do you care about this? Is it your fight?

Why wouldn't it be his fight?

The house is across from his. I would be very concerned and not in the least bit happy.

The HOA might want to contact the city/municipality as well.
If the owner is operating a "hotel" or not.
by ieee488
Sun Mar 22, 2015 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3927

Re: COBRA vs ACA

It appears that, once I chose a gold PPO plan, all of my normal health providers were listed as accepting the insurance plan. These plans cost just shy of $400/month. Any lower tier resulted in none of my doctors being listed as accepting the insurance plan. I am on the silver EPO plan. My doctors ...
by ieee488
Sat Mar 21, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2255

Re: Newly retired teacher - tax questions

She doesn't get a 1099 from this activity Whether she receives a 1099 or not is not relevant. If she meets the threshold that was linked in the previous post, she needs to report the income. She can also open a solo 401(k) from the earnings. In 2014, deducted my medical insurance premium for the mo...
by ieee488
Sat Mar 21, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly retired teacher - tax questions
Replies: 5
Views: 641

Re: COBRA vs ACA

I switched over to ACA on January 1, 2014. I had COBRA for 3 months. Since I was uncertain about 2014 income, ACA worked out for me. My PCP accepted the Blue Cross Blue Shield plan that I purchased. I had no issues. Prior to ACA and when I lived in a different town, I had another primary care physic...
by ieee488
Fri Mar 20, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2255

Re: Laptop: Windows based vs. Apple

Stonebr wrote: Powering up the Mac takes only a few seconds. With the Windows machine I used to use at work, I could drink a mug of coffee in the time it took to boot up in the morning.


My Windows 7 Pro work laptop boots up in seconds as well.
The specs i7-4610M CPU, 8 GB of RAM.
by ieee488
Mon Mar 16, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6221

Re: Laptop: Windows based vs. Apple

There are already many discussions on this topic. It generally degenerates into arguments which convinces no one. Just do what you want to do. The thing that throws me a little bit is how little storage you get with an Apple vs. windows based desktop. The answer you hear is "Well, you should st...
by ieee488
Mon Mar 16, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6221

Re: Portland transportation

westie wrote:Oregon?

Maine?

Did I miss it?


No, you didn't miss it.

I suppose it was "assumed" we all know it was Portland, Oregon. [rolling eyes]
by ieee488
Mon Mar 16, 2015 6:28 am
 
Forum: Personal Consumer Issues
Topic: Portland transportation
Replies: 20
Views: 1856

Re: Bookshelf/ Tabletop Audio

Are you expecting the system to come with a dock or do you already have a dock?
by ieee488
Mon Mar 16, 2015 6:25 am
 
Forum: Personal Consumer Issues
Topic: Bookshelf/ Tabletop Audio
Replies: 5
Views: 545

Re: Barclays - Personal Banking?

No two-factor authentication.
You have answer 2 challenge questions.
by ieee488
Sun Mar 15, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 363

Re: outdoor wireless camera

The Arlo camera takes batteries.

I was hoping to make use of the outdoor electrical outlet.
by ieee488
Sun Mar 15, 2015 6:23 pm
 
Forum: Personal Consumer Issues
Topic: outdoor wireless camera
Replies: 2
Views: 578

Re: Solo 401k & tax filing - Employee/employer contributions

I've found Turbo Tax miscalculates the solo 401(k) max contribution. It's very likely your maximum employer contribution is much less than $5500 that Turbo Tax is telling you. Best to calculate it yourself based on below. https://www.bogleheads.org/wiki/Solo_401(k)_plan Thank you for the link. It i...
by ieee488
Sat Mar 14, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k & tax filing - Employee/employer contributions
Replies: 4
Views: 365

outdoor wireless camera

I have a covered electrical outlet outside my front door. As an experiment, I would like to buy an outdoor camera that will transmit what it sees to a PC(?) inside the house so that the video can be stored. DLink has several listed on their website. Not sure which one to choose. http://us.dlink.com/...
by ieee488
Sat Mar 14, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: outdoor wireless camera
Replies: 2
Views: 578

Re: BEWARE-Dell Computer Tech Service (India)

We all know that Dell has a Long history of fraud . Their track record is what it is. Like the Dead Parrot sketch in Monty Python, they have a history. If you disagree you are certainly welcome to your own opinion. If you are happy then by all means stay happy, but their track record is what it is....
by ieee488
Thu Mar 12, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3412

Re: BEWARE-Dell Computer Tech Service (India)

Dell Pro support is domestically based and is generally of a much higher caliber of technicians. This is their business support (though anyone can purchase pro support). I just went to Dell.com and selected a consumer-grade Inspiron laptop. I don't see the ability to choose Pro Support. I see it wi...
by ieee488
Wed Mar 11, 2015 9:35 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3412

Re: Just cut my cable bill...

I went from comcast triple play whatever fro $ 208 /mo :shock: to 'Blast Plus'. Moved the landline to ObiTalk +Google Voice (free). Bought a (better) router, rather than rent a crppy one. Ditched the DVR. Still have HD basic cable +HBO, high-speed internet and a landline, $ 116 /mo. Works out to ab...
by ieee488
Sun Mar 08, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5536

Re: Not sure what to do or ready?

mule wrote:I have 3 million in stock funds 75% and the rest in money market/CD. I owe no one anything and I'm 58 years old. My net worth is 500k more.


I am confused. $3M or $500K?
by ieee488
Sun Mar 08, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do or ready? [Preparing for retirement]
Replies: 17
Views: 1758

Re: Reducing Costs for Internet Service Provider (ISP)

Bounce back and forth between the two competitors.
I am too lazy to do that.
Here, the choice is Verizon FIOS and Comcast.
by ieee488
Sat Mar 07, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Costs for Internet Service Provider (ISP)
Replies: 10
Views: 1130

Re: Student loan for Masters.

I wouldn't.

Is $50K simply the tuition?
What about the lost income while you are a student? Or are you planning on taking night classes?
by ieee488
Sat Mar 07, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Student loan for Masters.
Replies: 11
Views: 839

Re: Just cut my cable bill...

I went from comcast triple play whatever fro $ 208 /mo :shock: to 'Blast Plus'. Moved the landline to ObiTalk +Google Voice (free). Bought a (better) router, rather than rent a crppy one. Ditched the DVR. Still have HD basic cable +HBO, high-speed internet and a landline, $ 116 /mo. Works out to ab...
by ieee488
Sat Mar 07, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5536

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by ieee488
Sat Mar 07, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5536

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by ieee488
Sat Mar 07, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5536

Re: Loaning a Friend Money for Downpayment

Why are you making this so difficult?

You say he has no issues with legal paperwork. Then DO it.
by ieee488
Fri Mar 06, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Loaning a Friend Money for Downpayment
Replies: 20
Views: 1449

Re: self-employed health insurance deduction (line 29 Form 1

When I first applied to coverage, I was not employed, and I guesstimated my 2014 earned income. The guesstimate is low compared to my eventual income. Based on my eventual 2014 earned income, I am not eligible for Premium Tax Credit that I received. So, I can't claim it... Please clarify: It sounds...
by ieee488
Thu Mar 05, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 406

Re: Good career for woman mid 30's?

I graduated high school in 1999 in my country. When I came here in 2000, I took 8 classes at the local community college then I just gave up college all together. I took 4 ESL classes and 4 math classes college algebra, trigonometry, cal 1 and cal 2. I got Cs for English and 2 As 2 Bs for mathemati...
by ieee488
Thu Mar 05, 2015 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 34
Views: 3647

Re: self-employed health insurance deduction (line 29 Form 1

When I first applied to coverage, I was not employed, and I guesstimated my 2014 earned income. The guesstimate is low compared to my eventual income. Based on my eventual 2014 earned income, I am not eligible for Premium Tax Credit that I received. So, I can't claim it. If I am understanding this r...
by ieee488
Thu Mar 05, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 406

self-employed health insurance deduction (line 29 Form 1040)

I have self-employment income from a 1099 for 2 months in 2014. According to the instructions for Form 1040 for line 29, Use Pub. 974 instead of the worksheet in these instructions if the insurance plan established, or considered to be established, under your business was obtained through the Health...
by ieee488
Thu Mar 05, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 406

Re: Tourists in Manhattan

Hotel prices in Manhattan in May will be high. College graduations, etc.

Staying near Newark and taking the train in gets old unless you want to see what the life of a NJ commuter is like.
by ieee488
Tue Mar 03, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4658

Re: Is Employer Match portion of Solo-401K Deductible Biz Ex

Very useful information to know.

I worked on a 1099 for the first 2 months of 2015 and had started a solo-401K with Fidelity.
by ieee488
Sun Mar 01, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Employer Match portion of Solo-401K Deductible Biz Exp?
Replies: 5
Views: 262

Re: Is a generator worth it?

Lost power after Superstorm Sandy for 4 days. So, last winter I purchased a Mr. Buddy propane heater along with two 1lb propane tanks. I have three carbon monoxide detectors; two of which have battery backups. This winter, I purchased a 800W inverter to hook up to the car battery with the 100 ft 12A...
by ieee488
Sun Mar 01, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5940

Re: Question on Relocation Package (from Employer's perspect

Are you sure you are understanding the package correctly? 10% of the cost selling a home? 10% of a 6% commission? That leaves 90% of 6%. 10% of 6% of $275K = $1650 the cost of selling a home is NOT the cost of the home 5% of the cost of buying a home? 5% of the trips to your new city to look for a n...
by ieee488
Sun Mar 01, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on Relocation Package (from Employer's perspective)
Replies: 6
Views: 539

Re: hearing confidential conversations at work

I don't mind the "noise". Part of my reluctance to say something is to "not rock the boat". Apparently, this has been going on for a while, and I am the new kid on the block. My concern is that she may not know how clearly everything can be heard. The office area is small with 12...
by ieee488
Sat Feb 28, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: hearing confidential conversations at work
Replies: 3
Views: 791
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