Search found 661 matches

by LifeIsGood
Mon Jun 18, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Equity Offer
Replies: 8
Views: 878

Re: Equity Offer

I got the same offer but didn't think it was "too good to be true". You failed to mention the origination fee. I can't remember exactly how much it was but 2.5 - 3 % is typical.
by LifeIsGood
Wed Jun 13, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Maui Hikes
Replies: 11
Views: 596

Re: Maui Hikes

It's not a hike but one of the coolest, most fun things I've ever done on vacation in a sunrise bike ride down Haleakala. Twenty six miles of mostly downhill riding and views to die for.
by LifeIsGood
Wed Jun 13, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2565

Re: Trade-up my $89 Walmart bike

Have you checked Craigslist? If you're patient you can pick up a great deal on a lightly used bike. If you decide to buy a new Trek, you may want to check with other dealers if you have more in your town. I've bought several Trek's and my dealer always offered lifetime tuneups (adjusting shifters an...
by LifeIsGood
Sat May 26, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1681

Re: Rental car in Denver, CO

If you're a Costco member, get a quote from them. I've gotten some unbelievably low rates with them in the past.
by LifeIsGood
Wed May 09, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 3641

Re: How to remove garden hose nozzle that is stuck on a hose

Be careful using Vice Grips on a soft metal fitting. Too much pressure can deform the fitting making it even harder to remove. I have had great success getting stuck threaded fittings apart with PBblaster. Readily available in hardware, auto and home centers.
by LifeIsGood
Sun Apr 15, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Estimated Tax Planning
Replies: 9
Views: 757

Re: 2018 Estimated Tax Planning

My return is pretty plain vanilla: MARRIED JOINT RETURN Will take standard deduction BOTH OVER 65 Social security Dividends (mostly qualified) Interest $3,000 LT loss carryover LT capital gains IRA RMD 1st year for RMD so income will be higher in ‘18 vs ‘17. That’s it. you didnt provide nearly enoug...
by LifeIsGood
Sun Apr 15, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Estimated Tax Planning
Replies: 9
Views: 757

Re: 2018 Estimated Tax Planning

The page I used for my calculations says Estimate your 2018 tax Return. How are you using OLT.com to estimate 2018 taxes? I visited the website and everything I read refers to preparing 2017 returns. I don't see anything regarding planning for 2018. If you use Microsoft Excel, try out the 2018 Feder...
by LifeIsGood
Sun Apr 15, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Estimated Tax Planning
Replies: 9
Views: 757

Re: 2018 Estimated Tax Planning

adksherm wrote:
Sun Apr 15, 2018 11:06 am
Is it possible you have dividends or capital gains in your estimate for 2018 that are taxed at rates lower than the tax tables ?
I do have qualified dividends but OLT has a specific input for them.
by LifeIsGood
Sun Apr 15, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Estimated Tax Planning
Replies: 9
Views: 757

2018 Estimated Tax Planning

I just finished my 2017 tax return and now turn to figuring estimated taxes for 2018. I went to On-Line Taxes Inc. (Olt.com) and entered my information. It showed a 2018 federal tax liability of $13,161.00 but under TAX BRACKETS, where it breaks your total tax down by brackets (10%, 12%, 22%) the to...
by LifeIsGood
Tue Apr 10, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Too late fort Roth IRA?
Replies: 15
Views: 1530

Re: Too late fort Roth IRA?

I think you meant 70.5.
bradpevans wrote:
Mon Apr 09, 2018 7:25 pm

Convert to Roth when your income is low and before 79.5 when RMDs kick in

This can have huge tax impact later
by LifeIsGood
Mon Apr 02, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Tax penalty for not having health insurance
Replies: 5
Views: 1092

Re: Tax penalty for not having health insurance

But on your 2017 tax return, the one that is due on 4/18/18 (extendable to mid-October 2018), you need to state whether you have MEC and the IRS will assess penalties if you don't file a returning affirmatively stating that you had either coverage or an exemption from penalties for each month of 20...
by LifeIsGood
Mon Mar 05, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: $500 gift card, what to do?
Replies: 42
Views: 3337

Re: $500 gift card, what to do?

The first thing I would do is take a picture of the card or write down all the numbers on the card. If it is somehow lost or misplaced you have a way of recovering it.
by LifeIsGood
Sun Mar 04, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: St. Augustine long weekend...rental car needed?
Replies: 11
Views: 1181

Re: St. Augustine long weekend...rental car needed?

We had a car while visiting there but didn't use it. We even walked out to the lighthouse and back. I guess it depends on how much you like walking. You can also ride bikes to get around if that's your thing.
by LifeIsGood
Sun Mar 04, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 7525

Re: AmEx Delta Gold Not Honoring Bonus

I ran into a similar situation with AmEx - received a "you're pre-approved" offer in the mail. I called to make sure I was eligible for the bonus and was assured that I was. When the bonus didn't post I was told that I had the card previously and didn't qualify. I got no where with a CFPB complaint,...
by LifeIsGood
Tue Feb 27, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Harbor Freight fold-able trailer
Replies: 24
Views: 12257

Re: Harbor Freight fold-able trailer

The recall is for the tires on the trailer. I received the recall noticed. I have both wheels off the trailer waiting for my store to receive the replacements. They are in short supply. They recalled the lights a while back. I sent in a form and got a set of replacements in the mail a couple weeks l...
by LifeIsGood
Tue Feb 27, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 2579

Re: Sweet Spot For SEER Rating

Just got a quote from the dealer for the SEER 17 2 stage system installed upstairs and SEER 16 single stage system downstairs- $9,100 total. That's $500 more than the single stage SEER 16 system . It would be an additional $600 ($(9,700) to do SEER 17 2 stage upstair & down. David, I could be wrong ...
by LifeIsGood
Mon Feb 26, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 2579

Re: Sweet Spot For SEER Rating

David, I could be wrong but I believe the XL18i is the lowest SEER system that has 2 stages. https://s17.postimg.org/tmcl75ren/Screen_Shot_2018-02-26_at_5.01.11_PM.jpg Thanks for posting the specifics. The XLi series is a 2-stage, while the XR is single-stage. The top two packages also have a better...
by LifeIsGood
Mon Feb 26, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 2579

Re: Sweet Spot For SEER Rating

More info about the house: Presently forced air natural gas + AC ~ 2675 sq ft of finished space Built in 2003 As best I can tell researching the quote, all the compressors are single stage. She expects to stay in a house 10 more years. Here's the details of the quote: SEER 16 System Downstairs AC Sy...
by LifeIsGood
Mon Feb 26, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 2579

Sweet Spot For SEER Rating

I'm helping my daughter replace her HVAC system. The dealer she has decided to use has quoted for 3 different SEER rating systems. 16 SEER = $8,600 15 SEER = $7,500 14 SEER = $6,400. These numbers are for separate upstairs and downstairs Trane systems including furnaces and a bit of duct work revisi...
by LifeIsGood
Fri Feb 23, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Harbor Freight fold-able trailer
Replies: 24
Views: 12257

Re: Harbor Freight fold-able trailer

I can't tell you when they will start selling them again but I've had one for 3 yrs and love it. They've had a recall on the lights and have sent out a replacement kit for them. There is also a recall on the wheels but the replacements are in short supply and they are out of stock every time I enqui...
by LifeIsGood
Tue Feb 20, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2586

Re: Email from IRS this morning- is my information compromised?

I just logged into my IRS account and saw the following message: "The IRS will send email notifications to confirm registration and profile changes, but will never send unsolicited emails" . It also shows recent login activity with date and time.
by LifeIsGood
Mon Feb 19, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 8
Views: 738

Re: Using Turbotax in year of home purchase

Be aware that if you paid any point on your mortgage, they are deductible for tax yr. 2017 but this is a recent change that Turbotax won't be able to handle until the IRS finalizes it and then Turbotax is updated.
by LifeIsGood
Sat Feb 17, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 3067

Re: Repairing Stucco: A Case of Contractor Gouging

I live in a gated country club subdivision and get the feeling that I'm paying a premium every time someone comes out to my house for a repair quote. To make matters worse, that vast majority of the homes in our subdivision cost at least 50-100% more than ours. As Dave Ramsey says "Paying the succes...
by LifeIsGood
Sat Feb 17, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2929

Re: USAA 41% More For Car Insurance

As always, a lot of very interesting, insightful responses. My biggest surprise was the comments about different rates for different military pay grades. I'm an honorably discharged E-5 that served 50 years ago and my lot in life has certainly changed considerable since then. I'm a bit surprised tha...
by LifeIsGood
Fri Feb 16, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2929

USAA 41% More For Car Insurance

I've had car insurance with Auto Owners for many years. Last year their rates went up 26% and this year they're up 21%. I decided to get a quote from USAA and was shocked to see that their quote was 41% more than Auto Owners was quoting. I didn't seek any other quotes after that. Is there much of a ...
by LifeIsGood
Tue Feb 13, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Question for TaxAide Volunteers
Replies: 10
Views: 923

Re: Question for TaxAide Volunteers

Our site was getting carry over data until last Friday. Then, regardless of where the return was processed, there was no data. I hope it's back this week. Sure saves a lot of data entry.
by LifeIsGood
Sat Feb 10, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax 2017 Residential Energy Credit Available?
Replies: 20
Views: 1355

Re: Tax 2017 Residential Energy Credit Available?

Michael, here's some info. about Taxaide and volunteering. https://www.aarp.org/money/taxes/aarp_taxaide/ Scroll down a short way on that page and there's a link about volunteering. Our chapter (ATL, GA) has an organizational meeting in the late fall each year to give prospective volunteers some ove...
by LifeIsGood
Wed Feb 07, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Disney Cruise Shore Excursions
Replies: 11
Views: 943

Re: Disney Cruise Shore Excursions

Thanks everyone for the feedback and suggestions. Looks like the consensus on Nassau is exactly what I've heard from other sources. I assume on Castaway Cay you are a Disney captive audience - ie It's their activities only.
I'll definitely give Cruise Critic a look for other suggestions.
by LifeIsGood
Tue Feb 06, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Disney Cruise Shore Excursions
Replies: 11
Views: 943

Disney Cruise Shore Excursions

This June my wife and I are taking our 4 grandkids ages 8-13 on a 4 night Disney cruise to the Bahamas. We will leave from Pt. Canaveral and spend 2 days (1 coming and 1 going) in Disney's Castaway Cay. The other day is in Nassau. We chose Disney because of a lot of positive feedback and they were t...
by LifeIsGood
Sat Feb 03, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: filing a tax return for children ROTH and 529 distribution
Replies: 3
Views: 413

Re: filing a tax return for children ROTH and 529 distribution

One other benefit to filing a tax return (and especially by doing it early in the tax season) is that it eliminates the possibility of someone filing a fraudulent tax return in their name.
by LifeIsGood
Sat Jan 27, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Erroneous county water bills
Replies: 11
Views: 815

Re: Erroneous county water bills

How in the world could they have been completely unaware . This has been front page news in Atlanta on several occasions. I can't imagine how frustrating this has been after reading some of the horror stories. It is Dekalb County Georgia. Known as one of the more corrupt and incompetent governments ...
by LifeIsGood
Sat Jan 27, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Riverboat trip on the Danube next October
Replies: 16
Views: 1286

Re: Riverboat trip on the Danube next October

Have you checked availability with any of those cruise lines? We're doing an Amsterdam to Budapest in September. We started booking nearly a year ago and found out that many of the time slots we were interested in were already booked.
by LifeIsGood
Tue Jan 23, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Compensation for vehicle travel
Replies: 8
Views: 837

Re: Compensation for vehicle travel

I'm not sure about the time factor but IRS thinks the mileage is worth 53.5 cents per mile.
by LifeIsGood
Sun Jan 14, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 7
Views: 868

Re: Favorite Deal Aggregation site?

I'm a big fan of Slickdeals and think they are the best but also check Dealnews as well. I think all the deal web sites fall into the trap of promoting sponsored deals. I love Slickdeals ability to set up Deal Alerts. I've gotten great prices on some things I wanted to buy but didn't have to have ri...
by LifeIsGood
Fri Jan 12, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 3519

Re: Best Sources to Buy Prescriptions Out of Pocket

Do a prescription filled via Goodrx count towards your Part D deductible?
by LifeIsGood
Mon Jan 08, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Roth or Taxable?
Replies: 13
Views: 1566

Re: Bonds in Roth or Taxable?

Willthrill, your White Coat Investor link doesn't work. My wife and I are 70 and 64. This year, with wife’s RMD and starting Social Security along with other income we will be bumping the 22% bracket. I’m guessing we will remain in this tax zone till I have to take SS and RMDs at which time we will ...
by LifeIsGood
Thu Jan 04, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 1147

Re: Anyone Port From Verizon To Red Pocket?

I tried using my phone with a new RP number but it didn't work. My old plan with Puppy Wireless was due to renew in 24 hrs and I didn't want to risk losing my old number so I'm giving up and returning the SIMS. Too bad - I would have saved almost $299 / year.
Thanks to everyone for your feedback.
by LifeIsGood
Thu Jan 04, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 6981

Re: ID theft and check cashing fraud

He needs to put a Credit Freeze on all 3 credit reporting bureaus If he hasn't already done so. This will prevent some problems going forward.
by LifeIsGood
Wed Jan 03, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 1147

Re: Anyone Port From Verizon To Red Pocket?

During one of my many activation attempts , somehow I ended up with a new number. Red Pocket wants me to try it and see if it works with my phone. If so, they feel I should be able to port my number. If I put the RP sim in my phone, won’t I lose my old number?
by LifeIsGood
Wed Jan 03, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 1147

Re: Anyone Port From Verizon To Red Pocket?

As of right now I still have my number. I’ve been emailing tech support back and forth but still no resolution. Did you lose your number? If you attempted the port and your Verizon line was closed and the port failed to get to Red Pocket, the number is likely gone. I lost my number of 15+ years in a...
by LifeIsGood
Wed Jan 03, 2018 5:31 am
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 1147

Anyone Port From Verizon To Red Pocket?

I've had service with a Verizon MVNO for several years and had an unsuccessful port to Red Pocket yesterday. I started online but received an error message so I called their support number. They also were unsuccessful and suggested I either get a new number or port to a GSM service and then later po...
by LifeIsGood
Fri Dec 22, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Fee outgoing wire?
Replies: 8
Views: 705

Re: Fee outgoing wire?

It's not exactly a bank but Vanguard does.
by LifeIsGood
Thu Dec 21, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Anybody been to Dubrovnik? March 25-30, 2018?
Replies: 13
Views: 1223

Re: Anybody been to Dubrovnik? March 25-30, 2018?

Last Saturday the Wall Street Journal had a good article about a winter visit to Dubrovnik. If you don't have access to a subscription, Google "WSJ Dubrovnik" and you should be able to read the article. We spent a couple of days there in Sept and really enjoyed it although the crowds were brutal. Yo...
by LifeIsGood
Tue Dec 19, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Buying a new car (HELP!!!)
Replies: 13
Views: 1429

Re: Buying a new car (HELP!!!)

Why not request an "out the door" price? That's what I've done with he last 4 cars I've bought. When you're ready to buy, show up with a check for that amount and either complete the purchase or walk. Easy peasy.
by LifeIsGood
Sun Dec 17, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 4224

Re: Buy home with structural issues

If the original warranty ends with the transfer of ownership, then get the seller to fix it under warranty before closing.
by LifeIsGood
Thu Nov 30, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian for my situation
Replies: 13
Views: 1716

Re: Best HSA custodian for my situation

+1 for Lively. I just switched from HSA Bank and very happy so far.
by LifeIsGood
Wed Nov 29, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Financing a private medical practice
Replies: 9
Views: 1695

Re: Financing a private medical practice

Why not approach this like any other small business startup and go to the bank or SBA for a loan. I think you would be crazy to touch any money that has income tax consequences attached to it. Make sure you have a written business plan to present to the bank. If you have any small, local banks I’d s...
by LifeIsGood
Mon Nov 27, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 24
Views: 2315

Re: Kreg jig

Hey, it's Christmas. Get yourself a Festool Domino - https://www.festoolproducts.com/power-tools/festool-domino-joiners.html?gclid=Cj0KCQiAjO_QBRC4ARIsAD2FsXPpJW-jkZ4xRga7e3UfpoiYpz8sTX4-cXxCLKBc55h4RpLMeHk6DIgaApmcEALw_wcB Since I bought one, I hardly ever use my Krueger jig and I sold my biscuit j...