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Re: Getting toddler to brush their teeth

I don't have kids but just a thought. As someone mentioned before, it's probably not about the brushing at this point. How about taking her to the dentist? She can get a little exam from the dentist and maybe he/she can "educate" her. She might be more receptive from another party.
by js2012
Fri Jul 04, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2380

Adjusting w4

I looked at some of the past threads which I found very helpful, but I'm still a little stuck. For the past 3-4 years, my federal tax refund has been about $2000. To me, this is a large refund. So, I went to the irs calculator and input my information. I hope I put the right information in and it to...
by js2012
Wed Feb 19, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusting w4
Replies: 1
Views: 232

Re: Do you balance your checking account?

I also balance my checking account everyday with YNAB, not a paper register. I know to the second how much is in my account anywhere I go because the software syncs to my phone.
by js2012
Mon Feb 17, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5155

Re: Best Non-Stick Pan or Skillet

Cast iron! It's amazing how little oil you can get away with when you cook with a well-seasoned cast iron (I also adore my enamel Creset pans). Oil does not equal bad. Just a little dab imparts wonderful flavor, help with nonstick, and the right oil is healthy. I would rather reduce my oil intake th...
by js2012
Mon Feb 17, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Best Non-Stick Pan or Skillet
Replies: 52
Views: 6343

Re: Filed my tax return on my own - one last question

Yes, I know that "accepted" doesn't mean I won't get audited. My last question: What is the purpose of "archiving" my return with TaxAct? I printed and saved a pdf version. Has anyone who used TaxAct used this service? What is the benefit? I know it's only $6.99, but I'm more int...
by js2012
Sat Feb 15, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 911

Filed my tax return on my own - one last question

This is the first time I have ever done my own tax return and I'm still nervous after pressing the submit button about 15 minutes ago. I hope all is well and I don't get audited. I don't know why I don't feel very confident about this, maybe because my friend who used to do her own tax returns forgo...
by js2012
Sat Feb 15, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 911

Re: Tax Return Question [1099-B]

Thank you damjam,

I took it out since it was being taxed because TaxAct didn't know how to handle it. So far, I think I'm all set. Just hesitant to press the send button.
by js2012
Fri Feb 14, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 647

Re: Tax Return Question [1099-B]

You guys are the best. Thank you so much. So I wasn't wrong by following the software which makes me feel a lot better. Going through it alone and knowing nothing is incredibly scary but it's been an education. Before I did my taxes, I didn't know what a standard deduction even was! The software is ...
by js2012
Fri Feb 14, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 647

Re: Tax Return Question [1099-B]

Yes, box 3 has no cost basis in it. I did choose E after thinking about it (glad to have it confirmed here), but I read the examples of how to figure out cost basis on Bogleheads and the internet and it has some split math that I just couldn't get. This was my first and only stock purchase and my la...
by js2012
Fri Feb 14, 2014 4:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 647

Tax Return Question [1099-B]

I hope this is my last question. I'm trying to input my 1099B on TaxAct. I plan on upgrading to the ultimate bundle or whatever since it says I need it. In 1998 I bought one share of Dell stock at its peak (the principal was 109, a 10.98 charge was applied and an H/P/I of 2.35 was added for a total ...
by js2012
Thu Feb 13, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 647

Re: Need a new all in one printer

Personally, I have a Brother and will never buy another one again. I bought it from a recommendation from a friend and I can't stand it. My top gripe is the fact that it will turn on at three in the morning (or some ungodly time) and clean the print heads. I've looked to see about changing the setti...
by js2012
Tue Feb 11, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2574

Re: Dave Ramsey's voice is in my head...

I suggest you look at "you need a budget" software. I've been using it over a year. It works very similar to mint however, it's a lot more intuitive, in my opinion. The other thing I like about it is that you can sync between your smartphone and computer. It also helps put aside money for ...
by js2012
Tue Feb 11, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...
Replies: 70
Views: 7543

Re: Simple tax questions (I hope)

thanks pshonore, I remember him asking if I donated money/clothes. I do have a receipt for donated clothing but it has no value written down so maybe we estimated that to be $500? So, I will not claim a charity contribution this year since I don't have any receipts. I'll wait til next year to add th...
by js2012
Tue Feb 11, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple tax questions (I hope)
Replies: 6
Views: 674

Simple tax questions (I hope)

1. I know this question is probably very silly to some because it's probably incredibly obvious, but I served jury duty for one day in December and received the check two weeks ago. I'm thinking this is a 2014 income, right? First time using software to do my own taxes. I've paid someone in the past...
by js2012
Tue Feb 11, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple tax questions (I hope)
Replies: 6
Views: 674

Re: Freezing Credit - Should I?

Thank you all for the information. I think I'm going to get a P.O box next week. I sold a small ibond last year and the bank claims they sent me a statement on 1/31 which I haven't gotten yet. This along with the snafu in the other statement has got me pretty stressed out. I''ve been monitoring my c...
by js2012
Mon Feb 10, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2041

Re: Freezing Credit - Should I?

Free? I've been doing some research and it said it's $10 or something like that. Did you contact all three bureaus?

Thanks for the information.
by js2012
Thu Feb 06, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2041

Freezing Credit - Should I?

I temped at a company over the summer and they told me my W2 was mailed last week. Still not here. I live in NYC and my mailbox, although not on a busy street on the sidewalk is unlocked and only a few feet from the sidewalk. I'm getting a little scared that someone may have taken this and started f...
by js2012
Thu Feb 06, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2041

Re: Deducting Tax preparation

THe only thing I did was roll my Roth from Merrill Lynch to another firm, but the amount is off by about $500. This must be it, and I am happy that it didn't add any income. Now I have to dig around and see where the exact amount came from. I went to the irs website and it only referenced distributi...
by js2012
Mon Feb 03, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 667

Re: Deducting Tax preparation

Yes, union dues, I forgot those! I am soo thankful to everyone for answering. Here's a question that i can't find the answer to on the IRS website. For line 16a on my 1040, he wrote down an amount for pensions and annuities (this is under the income area). I didn't receive any money for that. Howeve...
by js2012
Mon Feb 03, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 667

Deducting Tax preparation

This is my first year doing my taxes online with software. I started two accounts to see which I like better. Turbotax is allowing me to deduct the cost of my tax preparation from last year when I paid an accountant but I'm not seeing that show up with taxact. Is this legit or did I somehow push a b...
by js2012
Mon Feb 03, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 667

Doing my taxes the first time - very confused

I'm trying to do my taxes on Turbotax without using an accountant this year. So far, I don't think this is working out. 1. On my W2, I have three things in box 14 (Other). In the program it gives some options as to what this could be. The first is IRC414H. The problem is the program lists two NY-IRC...
by js2012
Sat Feb 01, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes the first time - very confused
Replies: 15
Views: 1433

Re: Visiting NYC (New York City)

+1 on the High Line. Brooklyn Bridge is a nice walk if the weather is good. If you walk over from manhattan, check out the Brooklyn Bridge Park which was extended and goes along the East River. Take a ferry from Brooklyn Bridge Park up to Williamsburg. If it's nice out, walk around and check out the...
by js2012
Sat Feb 01, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Visiting NYC (New York City)
Replies: 31
Views: 1634

Re: 403(b) non-ERISA. Should i be concerned?

Thank you may001, Trying to find information on the tda website for my plan is virtually impossible. I don't know why this information isn't just clearly stated somewhere. Furthermore, in talking to other teachers, no one has ever mentioned this. I guess it's a good thing since people would probably...
by js2012
Wed Jan 29, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403(b) non-ERISA. Should i be concerned?
Replies: 3
Views: 457

Re: Low Income Budget

I think you should also hold back on tithing for awhile. How about putting it in savings for a year so you have cash on hand in case of an emergency? After one year, you'll have $600, I would then think about taking some of that and maybe tithing half if you really feel the need to. I think the goal...
by js2012
Wed Jan 29, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 4565

403(b) non-ERISA. Should i be concerned?

I'm still learning all things finance and retirement. Somehow I stumbled upon someone's post on another site about bankruptcy protection and ERISA with 401k accounts. I'm nowhere near bankruptcy and don't think this will ever be an issue but it piqued my interest for my 403b account. My retirement w...
by js2012
Wed Jan 29, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403(b) non-ERISA. Should i be concerned?
Replies: 3
Views: 457

Re: Student loans

That's a good point Rubisa. I'm thinking I might do that instead. I definitely feeling like I would like to move out of the classroom and am still considering what that would look like.

Thanks for the food for thought.
by js2012
Wed Jan 29, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 13
Views: 1245

Re: Student loans

Because the loan rate is less than what I'm getting on my 403b. Unless I'm missing something here.

It would take me years to save the money to pay upfront.
by js2012
Tue Jan 28, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 13
Views: 1245

Student loans

I'd like to go back to school for a masters degree. Yikes! I think the best thing for me would be to take out student loans to fund it. Since these will be unsubsidized loans, I'd like to start throwing some money at the loan while I"m still taking classes. I think it will cost $20,000 a year f...
by js2012
Tue Jan 28, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 13
Views: 1245

Re: Creating a Budget

I don't remember every. single. time. I ate out in the month. I don't spend $50 when I go out to eat. I am rarely home so I tend to pick up a coffee and croissant in the morning, maybe later in the day I stop and grab a sandwich or I go home and eat. It's frequent for me but they tend to be smaller ...
by js2012
Sun Jan 19, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 38
Views: 2645

Re: Creating a Budget

I budget. I use a software called "You need a budget" I set up my accounts, allocate money to my categories and update when I purchase things. There is a mobile app that allows me to enter my transactions while on the go. It takes 30 seconds to do this. When I want to buy something like cl...
by js2012
Sun Jan 19, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 38
Views: 2645

Re: First time doing my own taxes

Thank you everyone for the feedback. I don't know what Pub 17 is but will google and find out. I'm still unsure what version I need, but it sounds like I can just go through the software and it will prompt me if I need to upgrade. I want to be able to understand the paper version and all but I don't...
by js2012
Sat Jan 04, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1716

Re: School District Not Allowing me To Invest

Teacher88, I'm also a Tier 4 teacher but down in NYC. I just want to say good luck! I would be annoyed if 5% were lumped off but try to dig a bit more and see if there's any way out of it or hopefully the union will be able to hash out a better option for everyone. In the meantime, Frontline did a w...
by js2012
Fri Jan 03, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6664

First time doing my own taxes

I ran into the Turbotax thread and it piqued my interest. I've been going to an accountant for years now but decided after doing last year's taxes with him, that I would attempt it on my own this year. I have all of the old returns to help and my situation is pretty easy I think. I cashed in $40 wor...
by js2012
Fri Jan 03, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1716

Re: Renting with low income: A child as a cosigner?

Since it's only a couple of weeks, could you rent out both apartments for the last month?
by js2012
Fri Jan 03, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting with low income: A child as a cosigner?
Replies: 41
Views: 1276

Re: Spirit Air?

I also flew with Spirit once. Never ever again.
by js2012
Tue Dec 10, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1843

Re: Anyone use You need a Budget

I've been using YNAB for almost a year and love it. I don't know anything about Quicken, but what i love about YNAB is it updates your categories instantaneously. So, you take the money you have, assign them each a job and when you spend it, you can update your balances right there on your phone. No...
by js2012
Mon Nov 11, 2013 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use You need a Budget
Replies: 26
Views: 3189

Re: Mandatory Contribution count as "savings"

Thanks Epsilon. I'm a little confused what you're referring to here, but I'm guessing that's for when I'm at retirement since i don't actually collect any pension yet. The way I calculate savings rate is to look at my gross salary and then I am striving for 20% so I'm adding up all the money that ge...
by js2012
Tue Oct 08, 2013 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Mandatory Contribution count as "savings"
Replies: 11
Views: 1295

Re: Spending: Tracking v. Categorizing

I don't know what I would do without YNAB. It lets you input your transaction at the store and split the total between as many categories as you need. Easy peasy. Having a mobile version is also helpful when it comes to spending since you can look at how much you've allocated to a certain category a...
by js2012
Mon Oct 07, 2013 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending: Tracking v. Categorizing
Replies: 21
Views: 1669

Re: Mandatory Contribution count as "savings"

Thanks. I guess I was seeing if there are any guidelines that people follow when they proclaim a savings rate of XX%. I know it's a round number, but it means a lot to me because I'm trying to follow the 50/30/20 plan I read somewhere and I'm just not sure that it would follow the "rules"....
by js2012
Mon Oct 07, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mandatory Contribution count as "savings"
Replies: 11
Views: 1295

Mandatory Contribution count as "savings"

Hi everyone, First thank you for the great advice in the past. Since my initial post, I've been working on getting my emergency squared away and trying to increase my savings rate. I sleep a lot better at night, now. My goal is to hit 20% savings. So far, as a teacher, I have to contribute 3% of my ...
by js2012
Mon Oct 07, 2013 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mandatory Contribution count as "savings"
Replies: 11
Views: 1295

Re: Drying clothes in the sun - worth the hassle?

My mother has a large enough laundry room to run a clothes line through it during the winter and an outside clothes line in the summer. I think if you get in the habit of it, the time isn't unreasonable and I prefer the line dried clothes and wished I could have that here in the city. Maybe I'll hav...
by js2012
Thu Aug 22, 2013 7:43 am
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6409

Re: Tried to get credit report - security questions don't ma

This happened to me a few days ago too and last year. I was able to get it from Transunion last year but not the other two. I was also concerned that there may have been a problem, but checked on my creditkarma account and didn't see anything so I'm pretty sure it's okay. My student loans changed ha...
by js2012
Mon Jul 29, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 8421

Re: Helping a friend with credit

Thank you everyone for the feedback. I agree, the drive does have to come from her. The fact that she hasn't dealt with any of these things before does point to her apathy and it doubtful if my assistance will really help. I think I'll offer to meet with her sometime next week and she if she picks m...
by js2012
Fri Jul 26, 2013 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping a friend with credit
Replies: 17
Views: 1150

Re: Helping a friend with credit

Yikes! I can't believe I got the website wrong. As you can tell, I don't check my report as often as I probably should. :oops:

Thanks for all of the help. I'll try and get her going if she's up for it!
by js2012
Thu Jul 25, 2013 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping a friend with credit
Replies: 17
Views: 1150

Re: Helping a friend with credit

Oops, sorry, you're right. I don't know if I've used that site before. Do the companies try and up sell there to their products?
by js2012
Thu Jul 25, 2013 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping a friend with credit
Replies: 17
Views: 1150

Re: Helping a friend with credit

Thank you so much for the help! You're right she has more pressing issues to deal with, but she has her head in the sand so the speak and I found that for me, personally, once I took my head out of the sand years ago to get out of my $6000 line of credit debt, I was able to deal with it, however pai...
by js2012
Thu Jul 25, 2013 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping a friend with credit
Replies: 17
Views: 1150

Re: Recommended Percentage Savings

I dont' think you can simply add your savings rate together since one is pre and one is post tax. I have a savings rate that I shoot for. I know my gross income and figured out how much I would have to save to make my savings rate goal for the year. Now, I figure out how much is taken out of my 403b...
by js2012
Thu Jul 25, 2013 7:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommended Percentage Savings
Replies: 18
Views: 2388

Helping a friend with credit

I apologize in advance for this long post. A friend and I were having coffee yesterday and the subject of credit came up because she mentioned that she didn't have a credit card (she said that the bill pay for her bank, for example, actually writes out paper checks and mails them out after I told he...
by js2012
Thu Jul 25, 2013 5:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping a friend with credit
Replies: 17
Views: 1150

Re: Received offer on home today - would you take it?

Cherokee, I also feel the same way and know that my father has said the same as well. I think, however, that the option may be harder to exercise in many cases. My friend's grandmother suffered a stroke out of the blue (very active up until the day of the stroke) that left her alive but paralyzed in...
by js2012
Fri Jul 12, 2013 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Received offer on home today - would you take it?
Replies: 27
Views: 2412
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