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by rec7
Fri May 22, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 3
Views: 135

Re: Roth IRA Tax question

The Wizard wrote:You should be fine. It's probably a 5498 form...


Yes it is a 5498 form
by rec7
Fri May 22, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Tax question
Replies: 3
Views: 135

Roth IRA Tax question

In 2014 I moved a Roth IRA from one bank to another. The receiving bank sent me a tax form stating the fair market value of the account. I forgot to turn it in with my taxes will that be a problem?
by rec7
Thu May 21, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much would home insurance on a 650k house in Chicago cost?
Replies: 7
Views: 490

How much would home insurance on a 650k house in Chicago cost?

How much would home insurance on a 650k house in Chicago cost? Any Chicago folks here?
by rec7
Sun May 17, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 13
Views: 857

Re: Which online banks accept incoming wires (and are generally good).

555 wrote:Hmmm, Alliant and Ally are very similar names, but I assume there's no connection, right?

Ally is a bank Alliant is a credit union.
by rec7
Fri May 15, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella coverage?
Replies: 15
Views: 1905

Re: Do I need umbrella coverage?

To answer some questions 1.No celebrity, famous or rich. Government employees. Total yearly household income around $188k 2.I do not know what might/might not happen 3.The personal liability on Home & landlord insurance is $300k each. 4. UI motorist:$100k/$200k 5.Property coverage:$15k/occurren...
by rec7
Thu May 14, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2349

Re: Is the Post Office slowing down first class parcel delivery?

I think so because our post office would empty the outside mail boxes fives time a day. Now they empty them once a day. That would slow things down several hours maybe a day.
by rec7
Wed May 13, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 8650

Re: List of favorite accounts

I am doing some laughing here because I do a lot of these or have heard of them. You can tell I spend a lot of time on Bogleheads. LOL By doing several of these things I am saving thousands per year. Most of these things take time and effort, yet yield under $100 from what I can tell. Which are the...
by rec7
Mon May 11, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I do
Replies: 4
Views: 572

Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I do

Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I leave it off the rest of the year without keeping it on a charger?
by rec7
Sun May 10, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3461

Re: Do banks take loose coinage?

Read that wrong LOL
by rec7
Sun May 10, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5402

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

FredL wrote:Do you want to live there if they give you free housing and meals?

I hope you do not have jail in mind. LOL
by rec7
Sun May 10, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3461

Re: Do banks take loose coinage?

Another reason to join a credit union. His credit union does, her credit union does, my bank does, someone else's bank does. How does this say one should join a credit union -- not that that credit unions aren't fine things. Notice the big bank that charged $40. Or least I would bet it was a big ba...
by rec7
Sun May 10, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3461

Re: Do banks take loose coinage?

Another reason to join a credit union.
by rec7
Fri May 08, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit union question
Replies: 16
Views: 1576

Re: Credit union question

dm200 wrote:
Think of Miracle on 34th Street when the run on the bank happens and people ask for the money but he can't give them cash because he already loaned it out.


Wasn't that "It's a Wonderful Life"?


I can picture Jimmy Stewart running a credit union today.
by rec7
Wed May 06, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5402

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Thanks everyone. I am laughing a little bit it sounds like one of the most dreaded town in the US.
by rec7
Wed May 06, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Credit union: "once a member, always a member"?
Replies: 22
Views: 1627

Re: Credit union: "once a member, always a member"?

I've wondered how that slogan applies to someone who closed all accounts, then some time later (when not meeting the current membership criteria for whatever reason) wanted to re-establish a relationship. If this is a concern then don't close all your accounts. At my CU all I need do is keep $5 in ...
by rec7
Wed May 06, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: I only use a chrome browser do I need Microsoft Security Essentials?
Replies: 5
Views: 802

I only use a chrome browser do I need Microsoft Security Essentials?

I only use a chrome browser do I need Microsoft Security Essentials?
by rec7
Wed May 06, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5402

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

People are crazy about Santa Fe, NM and it is not that far away.
by rec7
Tue May 05, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5402

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Wow it is that bad compared to St Louis?
by rec7
Tue May 05, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5402

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Bump I added more info about what I am looking for.
by rec7
Tue May 05, 2015 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 16 Years Old
Replies: 20
Views: 1055

Re: Credit Card for 16 Years Old

Kid must be 18 to sign a contract so he can't have a credit card until that point. I have know people to fineness the issue by making the kid an authorized user, but this is of limited benefit as it does not help build a credit history. It think if they are in college they can not get one before 21...
by rec7
Tue May 05, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5402

What are the Pro's and Con's of Retiring in Amarillo, TX

What are the Pro's and Con's of Retiring in Amarillo, TX I wanted a place not as humid as St. Louis but not super dry either. I also am looking for low cost of living. I am looking for a place that is has no state income tax.
by rec7
Thu Apr 30, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Disparity
Replies: 9
Views: 616

Re: Auto Insurance Disparity

I have a friend in Chicago his car insurance is about 50% higher than mine. It can be $100+ more because of age. My insurance man told me that.
by rec7
Tue Apr 28, 2015 6:31 pm
Forum: Investing - Theory, News & General
Topic: Omaha this weekend
Replies: 29
Views: 2615

Re: Omaha this weekend

gasdoc wrote:May I ask what is in Omaha? :?:


How about Warren Buffett for starters.
by rec7
Mon Apr 27, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Your First Credit Card
Replies: 23
Views: 1423

Re: Applying for Your First Credit Card

I agree that Chase Freedom is a good card to start out with. I agree with TFinator. Always pay off 100% of your balance when it's due. Once per year, request to have your credit limit doubled. Ideally, you would like to have a lot of credit available, but only be using a small portion of it. So if ...
by rec7
Sun Apr 26, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3326

Re: How far away from a freight railroad track should you li

We are about three miles and a few nights a year I can hear it. But it is very faint.
by rec7
Fri Apr 24, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10977

Re: How much do you pay in Property Taxes?

Pajamas wrote:About $8.50 in annual real estate taxes per square foot for a small apartment. It goes up every year.

I'd be interested to hear what others pay per square foot for a condo or co-op.


Wow that is high what state?
by rec7
Thu Apr 23, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1332

Re: Transmission oil one inch over the full line would that

I have found a flashlight, a screwdriver,an oil filter wrench and my engine oil three inches above full mark after checking work through the years done by others. All of these items were found in the engine compartment. In fact the oil filter wrench fell off half way home. I heard that one hit the ...
by rec7
Thu Apr 23, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1332

Re: Transmission oil one inch over the full line would that

Have you exactly followed the directions in your car's manual for checking the transmission oil level. Very often there are specific steps involved, not just checking the level while running. There is generally guidance on how long to warm up the engine and how you should let it cool down if you ha...
by rec7
Thu Apr 23, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1332

Re: Transmission oil one inch over the full line would that

Since when do car owners check the transmission oil right after it's been changed? Why? I wouldn't question anyone one double-checking another's work. Even the best can make mistakes. I have found a flashlight, a screwdriver,an oil filter wrench and my engine oil three inches above full mark after ...
by rec7
Wed Apr 22, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1332

Re: Transmission oil one inch over the full line would that

I was guessing .5 inch would not hurt but I did not know about one inch.
by rec7
Wed Apr 22, 2015 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1332

Transmission oil one inch over the full line would that be a

Transmission oil one inch over the full line would that be a problem? Had the fluid changed and they filled it one inch over the full line.
by rec7
Wed Apr 22, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3854

Re: New Water Heater

I've posted about my water heater adventures before, but... Where I live, water heaters are typically installed in the attic. Which, to be honest, freaks me out more than a little. So I do what I can to try to prevent a catastrophe. I don't know if it really helps, but I drain the sediment every Oc...
by rec7
Tue Apr 21, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10977

Re: How much do you pay in Property Taxes?

Doom&Gloom wrote:$235 (including my 50% senior citizen discount)

~3000 sq ft on 1.8 acres in MS.


That is amazing.
by rec7
Tue Apr 21, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3854

Re: New Water Heater

I have had problems before breaking off handles to the flush valve or not being able to get it closed completely again so I finally stopped doing it. That has happen to me also so I am shy about doing it often. While I was replacing the flush valve(everything off and cool) I screwed in a one foot s...
by rec7
Tue Apr 21, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10977

Re: How much do you pay in Property Taxes?

Also in northern NJ but unfortunately I pay $56,000! And yep marginal tax rates are high and NJ caps your property tax deduction at $10k for state tax purposes - AND we have the nation's most penal estate tax regime! Not many better alternatives for Manhattan commuters, and I love it here, but from...
by rec7
Tue Apr 21, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 2310

Re: TX, MT, CO, and NM Comparative Tax Burden

If you had a high income Amarillo would be the lowest tax burden it just depends on income.
by rec7
Thu Apr 16, 2015 6:58 pm
Forum: Investing - Theory, News & General
Topic: EmergDoc on the James Lange Program
Replies: 17
Views: 3437

Re: EmergDoc on the James Lange Program

Always liked EmergDoc and these this Lange Program is a great podcast. It just got moved into my podcast list.
by rec7
Sat Apr 11, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5903

Re: regret and depression...how to deal with it

Once I met a man that was a millionaire he told me he would trade it all for the heart he had at 18. Money is good but without your health it is not very useful.
by rec7
Sat Apr 11, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5903

Re: regret and depression...how to deal with it

Buying CD's instead of some of the things I have done would look very smart. LOL I spent several years in the market and made less than people in CD's.
by rec7
Sat Apr 11, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3882

Re: Has Anyone had a Credit Card Cancelled for not Using It

Does this usually happen after one year of not using it or two?
by rec7
Thu Apr 09, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1088

Re: Legal question

One more question. What is your guess from the date you hand in the paperwork until your trail date how much time?
by rec7
Thu Apr 09, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1088

Re: Legal question

Thanks so much.
by rec7
Thu Apr 09, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1088

Re: Legal question

Thanks everybody this is my first time do anything like this.
by rec7
Thu Apr 09, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1088

Re: Legal question

So if I understand this right denovo it is just the business name only on style of case something like In the matter of John Smith V. xyz inc.
I have the RA and the address listed at another spot on the form.
by rec7
Thu Apr 09, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Legal question[How do I file a claim in small claims court?]
Replies: 23
Views: 1088

Re: Legal question

denovo wrote:
rec7 wrote:Yes it is a registered corporation I called the state.


Then you just sue the corporation and do not list the name of the owners.


He is located out of state does that matter?

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