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Re: Establishing "Small Business" and Cheating IRS?

A lot of hobby photographers probably do this. It's a great way to get flagged and audited by the IRS and after BOb is caught they'll probably keep a closer eye on him for the rest of his life. It's not worth trying to save 28% or whatever it is off of your personal camera gear.
by sunnyday
Wed Aug 27, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 5
Views: 191

Re: Best way to refinish a garage floor

I have always wanted to use these, but could never justify it due to cost. http://www.costco.com/MotoFloor%C2%AE-Modular-Garage-Flooring-Tiles.product.100009181.html These go on sale regularly, about once a year. Yeah, I'm having trouble justifying it too, unless they get amazing reviews. I'll prob...
by sunnyday
Tue Aug 26, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 4
Views: 386

Best way to refinish a garage floor

I'm setting up some sports stuff for my toddler to play in my garage. The floor has some oil and acid stains on it so I'm thinking about redoing it to make it look better. I was first leaning towards epoxy paint but am also considering tiles and mats. Has anyone done this and what was your experience?
by sunnyday
Tue Aug 26, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 4
Views: 386

Re: Amazon -- set shipping to free as the default?

I contacted Amazon and they said that it's not possible
by sunnyday
Tue Aug 26, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 956

Re: Amazon -- set shipping to free as the default?

I just almost quickly checked out of Amazon and would have been charged $42 for 3-5 day shipping. I changed it to 5-8 day to pay $0 in shipping. Is it possible to have free shipping selected as the default? Yes. You can do that. I've almost been caught out in similar hurried circumstances. If you a...
by sunnyday
Mon Aug 25, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 956

Amazon -- set shipping to free as the default?

I just almost quickly checked out of Amazon and would have been charged $42 for 3-5 day shipping. I changed it to 5-8 day to pay $0 in shipping. Is it possible to have free shipping selected as the default?
by sunnyday
Mon Aug 25, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 956

Re: Best iPhone deal for light user

Another thing to consider could be getting an iPod and using it as your phone and carrying a wifi hotspot with you when you need your "phone". It could be a little cumbersome, but could also be $0 / month
by sunnyday
Mon Aug 25, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2287

Re: Best iPhone deal for light user

One thing to consider is resale value of iPhones. I buy a new iphone evevy major release for $200 and sell it for the same amount. I do sign up for a contract but after you factor in the subsidy I'm paying about $32/month for unlimited minutes, texts and 1 gb of data. So after going through this thr...
by sunnyday
Mon Aug 25, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2287

Re: Children Guardian

Have anyone experienced in this before? Please give me some advice. What would you do? Ask me if I miss out any pertinent info. Thanks. Don't forget about SS that your children would receive too. I personally don't want the legal guardian to have to work if she becomes the legal guardian. There sho...
by sunnyday
Sat Aug 23, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children Guardian
Replies: 9
Views: 851

Re: Smartphone recommendations for under $200

I checked out some phones today and did feel that the SIII has a better build quality than the Moto G. But that comes with a much higher price so I'm leaning towards the Moto G. Also, I'm going to stay clear from Freedom after reading some of the FreedomPop forums about SIII delays. A lot of people ...
by sunnyday
Sat Aug 23, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 1882

Re: Smartphone recommendations for under $200

I recently bought the refurbished Galaxy SIII you listed and had it flashed to use on Pageplus. I have been very happy with it. What did it take a to flash the phone? One thing that I find confusing when buying a non-contract phone is figuring out what cell phone companies it will be compatible wit...
by sunnyday
Sat Aug 23, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 1882

Re: [Online] World news [show?]

BBC World News America is on PBS which she likely gets. She probably doesn't have DVR capabilities with basic cable, but she could use her own recording device. On the other hand, she could just watch it when it comes on which is pretty close to when she would like to watch anyway. Good recommendat...
by sunnyday
Sat Aug 23, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: [Online] World news [show?]
Replies: 9
Views: 653

Re: Smartphone recommendations for under $200

Thanks for the replies. After thinking about it more I think I will get a phone that works with freedompop since that should save a lot of money on the monthly bill. I've been using Ting for a couple years and highly recommended them. You can use this link to get $25 off, and they have several phone...
by sunnyday
Sat Aug 23, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 1882

Re: World news daily videos online

She only gets basic cable so she doesn't get 24-hour news stations.
by sunnyday
Fri Aug 22, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: [Online] World news [show?]
Replies: 9
Views: 653

[Online] World news [show?]

My mother-in-law enjoys watching the world news each night at 6:30 but schedule wise watching the news at 4pm works would be better and watching behind a computer would be better than TV. Do any of the major news networks stream the news online throughout the day? Or is there a way to easily catch ~...
by sunnyday
Fri Aug 22, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: [Online] World news [show?]
Replies: 9
Views: 653

Re: What documents should you never throw away?

Great, thanks all. Much appreciated.
by sunnyday
Fri Aug 22, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1610

What documents should you never throw away?

I'm working on purging a bunch of my old documents -- old tax info, refinance info, and a bunch of other stuff. What documents should I not throw away and keep locked up in a safe?
by sunnyday
Fri Aug 22, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1610

Smartphone recommendations for under $200

My mother has a cheap android phone so I'm thinking about buying her a new one. She uses it for texting, taking pictures, checking facebook, checking email, surfing the web, talking, etc. I think the top requirements would be a big screen (at least 4" but the bigger the better), a good camera (...
by sunnyday
Fri Aug 22, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone recommendations for under $200
Replies: 24
Views: 1882

Re: Rain Jacket Recommendations

I bought a North Face Hyvent DT rain jacket years ago. It's super light weight and cool, cheap ($100) and has kept me dry. I haven't tested it out in an all day down poor but have been mountain biking with it where conditions got really wet. I've also been happy with North Face waterproof cross coun...
by sunnyday
Fri Aug 22, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1697

Re: Unlimited cell plans dropping in price?

I pay $50 for verizon for unlimited talk, text and 1gig data. Plus I get a big subsidy on my phone I pay $45 (base) = $48.30 (including all taxes & fees)--for no-contract Verizon Wireless with unlimited calls and text and 1GB/month. (It's 500MB base, plus 500MB because I sign up for auto-bill.)...
by sunnyday
Thu Aug 21, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3248

Re: Unlimited cell plans dropping in price?

What's wrong with a contract? Well for one thing you're locked into your rate watching while the rates are dropping on no-contract plans. I'm a free-range user - show me a lower rate and I'll drop my current plan in a heartbeat and move on. I'm a free ranger too especially with cable and ISP compan...
by sunnyday
Thu Aug 21, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3248

Re: Unlimited cell plans dropping in price?

I pay $50 for verizon for unlimited talk, text and 1gig data. Plus I get a big subsidy on my phone I don't get why so many people are anti contract. It's not like I'm not going to use a cell phone within the next 2 years so I'll gladly take $450 off of next iphone when it comes out There are 2 opti...
by sunnyday
Thu Aug 21, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3248

Re: Unlimited cell plans dropping in price?

I pay $50 for verizon for unlimited talk, text and 1gig data. Plus I get a big subsidy on my phone I don't get why so many people are anti contract. It's not like I'm not going to use a cell phone within the next 2 years so I'll gladly take $450 off of next iphone when it comes out Many people on t...
by sunnyday
Wed Aug 20, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3248

Re: Unlimited cell plans dropping in price?

I pay $50 for verizon for unlimited talk, text and 1gig data. Plus I get a big subsidy on my phone

I don't get why so many people are anti contract. It's not like I'm not going to use a cell phone within the next 2 years so I'll gladly take $450 off of next iphone when it comes out
by sunnyday
Wed Aug 20, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3248

Re: Questions about fertilizing and seeding lawn

Rather than seeding, one may wish to consider buying sod. In our area, one can replace their lawn every year for less than the cost of watering it since sod is so cheap. We have found that installing sod is trivial. I'll definitely consider that down the road. How do you get rid of the old turf -- ...
by sunnyday
Tue Aug 19, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1513

Re: Questions about fertilizing and seeding lawn

I live in NC and my lawn is mainly weeds. I will probably sell the house in 6-7 years and I was thinking of killing all and sowing grass a section at a time over a few years such that it will be in good shape by sell date. I am ok with weeds but presumably I will get a better price if I have a nice...
by sunnyday
Tue Aug 19, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1513

Re: Questions about fertilizing and seeding lawn

Thanks for all of the responses -- especially Sheepdog for all the detailed information. I'll look into renting the an aerator and slit seeder although I'm hoping to not spend a lot. I have a landscaper cut my grass and I could get a quote from him too -- I think it'll be about $75 to aerate, proba...
by sunnyday
Tue Aug 19, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1513

Re: Questions about fertilizing and seeding lawn

Thanks for all of the responses -- especially Sheepdog for all the detailed information. I'll look into renting the an aerator and slit seeder although I'm hoping to not spend a lot. I have a landscaper cut my grass and I could get a quote from him too -- I think it'll be about $75 to aerate, probab...
by sunnyday
Tue Aug 19, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1513

Re: gifting money, and smoking

Your living rent free and going to school, they asked for $400. Give them $500 and thank them for the roof, no strings attached. The smoking thing is another issue, all you can do is prod them a little to quit. Tough to get someone to quit smoking unless they want to quit. I agree, except I would o...
by sunnyday
Tue Aug 19, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 30
Views: 2379

Re: Looking for advice on creating a Will

OP, I just went through Nolo's Will Maker Plus. It was very simple -- TurboTax like and took me just a few minutes. Things that I choose were: A guardian and backup guardian (the main purpose of my will) Property Bequest Child's Trust & property guardian Executor and backup executor Everything I...
by sunnyday
Tue Aug 19, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2422

Questions about fertilizing and seeding lawn

I'm going to work on revitalizing my lawn when temperatures cool off in September. I just receive my soil report from my state agriculture department and my pH is low, my phosphorus is really low, and my potassium is optimal. The report recommends 50 lbs of lime per 1,000 sqft and 20 lbs of 5-10-5 f...
by sunnyday
Tue Aug 19, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1513

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires. Actually, the article was supposedly aimed at retirees and near-retirees, and I res...
by sunnyday
Tue Aug 19, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3031

Re: Home audio system -- bluetooth speakers vs Sonos

Buy this Bluetooth speaker for $149. They sell it on Amazon ..... check the reviews ....Creative SoundBlaster Roar. I already ordered the Anker one but I may consider something like that for my next speaker. These seem like a hot, competitive product and figure all the competition and advances in t...
by sunnyday
Tue Aug 19, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1304

Re: Jewelry Insurance - Engagement Ring

I used JM but now have my wife's ring covered under our home owners insurance. I think it's about half the price and covers the same things -- but read the fine print to make sure it's the same with your insurance. JM was slow to cancel my policy when I switched, so that was a bit of a hassle, but i...
by sunnyday
Mon Aug 18, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 17
Views: 1459

Re: Choosing and paying an executor

I suspect you can also specify a dollar amount as the fee. I have the impression that fees are negotiable and that State mandated fees are the maximum that could be charged without judicial review. Wrong? Dale That would be great if I could specify a fee. However, it might be limited by a percentag...
by sunnyday
Mon Aug 18, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 859

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires.
by sunnyday
Mon Aug 18, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3031

Re: Looking for advice on creating a Will

sunnyday, I couldn't say it any better than has FreemanB. As for that property not passed on via designation of a beneficiary and just for fun, Google the laws in your state pertaining to the disposition of the estate of one who dies intestate. Is that scheme consistent with how you think you would...
by sunnyday
Mon Aug 18, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2422

Re: Choosing and paying an executor

Thanks for the replies. I will name my spouse as the primary. For the secondary, my child is just a toddler. I could name name my father who is on top things financially and in good health, but is in his 70s so I think it would be better to name someone closer to my age. Maybe I'll name my closest f...
by sunnyday
Mon Aug 18, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 859

Re: Looking for advice on creating a Will

Leerar has already mentioned the most crucial of things relative to your questions. The laws of your state pertaining to one dying intestate (without a will) may provide for a distribution that is remarkably different from what you wanted and terribly detrimental to those you wished to benefit from...
by sunnyday
Mon Aug 18, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2422

Re: Looking for advice on creating a Will

...I don't have a lot of good experience with lawyers in Philadelphia, the city where I live. And I anticipate that if I walk into some highly recommended lawyers office in Philly they won't consider me worth their time for less than $3K-$5K. That's a lot of money to me!... Philadelphia is a large ...
by sunnyday
Mon Aug 18, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2422

Choosing and paying an executor

My wife and I are updating our wills. One question we have is who should we name as our executors and how would they get paid. Do most people name their spouses as their primary executor? We do have some family and friends who are very successful in finance and real estate, but I would want them to ...
by sunnyday
Mon Aug 18, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 859

Re: Home audio system -- bluetooth speakers vs Sonos

Do all of the Sonos speakers have to be plugged in to a power supply? That's a downside for me, because every once in a while I'll listen to music on our porch, garage or play room. I think a big positive would be using the Sonos app and the better audio quality. Can the Sonos app play music from pr...
by sunnyday
Sun Aug 17, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1304

Re: Cost of an above ground pool, land prep and maintenance

And here I thought you were talking about a pool, not a dish pan! :oops: Ditto. Could have posted a pic of what you had in mind before everyone wasted their time thinking you meant a real pool. I thought it was obvious that I was joking about my new "pool". I do appreciate the responses a...
by sunnyday
Sun Aug 17, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1125

Re: Cost of an above ground pool, land prep and maintenance

Update -- I bought a pool and installed a pool today!! - http://www.target.com/p/banzai-spray-n-splash-pool-giraffe/-/A-14985843#prodSlot=medium_1_12&term=swimming+pools My daughter loves it :D Maybe next summer I'll upgrade to something like this: http://www.target.com/p/10ft-x-30in-easy-set-in...
by sunnyday
Sun Aug 17, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1125

Home audio system -- bluetooth speakers vs Sonos

I have a small HDMX speaker that someone gave me. I've been using it more than I would have thought and I'm looking to upgrade to something with a longer batter and a bit more power. I'm thinking about getting one or two these and putting them in different rooms - http://www.amazon.com/dp/B00GX9A06Q...
by sunnyday
Sun Aug 17, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1304

Re: Cost of an above ground pool, land prep and maintenance

Thanks for the replies. We do have a lot of places to swim but they're all driving distance. It would be nice to have something in the backyard. A hot tub could be a good option but I'm not sure it's worth the cost since we'd want something bigger as the kids get older. Another option could be to pu...
by sunnyday
Sun Aug 17, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1125

Cost of an above ground pool, land prep and maintenance

My toddler loves water and swimming and I'm thinking about putting in an above ground pool in next year. The land prep would probably be the most expensive. I have some tall ~75 ft pines that would probably need to be cut. There's a bunch of over growth that would need to be cleared (I could do this...
by sunnyday
Sun Aug 17, 2014 6:52 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1125

Re: How much to leave for young children, guardian and famil

...trust seems expensive considering our portfolio size (less than 7 figures) and that there's a very small chance it would be used within the next ~20 years. There's no expense to a testamentary trust except for the drafting cost unless you die. Gill Isn't the drafting cost about $5k for wills and...
by sunnyday
Fri Aug 15, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to leave for young children, guardian and family
Replies: 12
Views: 1322

Re: How much to leave for young children, guardian and famil

Some good things to consider. From my perspective, a trust seems expensive considering our portfolio size (less than 7 figures) and that there's a very small chance it would be used within the next ~20 years. Talking to the guardian makes sense. It's fuzzy to me what expenses can be paid for out of ...
by sunnyday
Fri Aug 15, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to leave for young children, guardian and family
Replies: 12
Views: 1322

How much to leave for young children, guardian and family

My wife and I are in the process of modifying our wills and beneficiaries. Instead of leaving 100% for our child (if we both pass away), we're thinking about leaving some for her legal guardian and a bit for other friends/family who could use it. Ideally, I don't want the legal guardian to have to w...
by sunnyday
Fri Aug 15, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to leave for young children, guardian and family
Replies: 12
Views: 1322
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