Search found 570 matches

by LifeIsGood
Wed Jun 28, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Cellular Data Usage
Replies: 4
Views: 290

Cellular Data Usage

I have a prepaid cellular plan on Puppy Wireless (Verizon MVNO). I don't use a lot of data and my 100mb allotment per month is usually adequate. Recently I've been chewing through my limit in just a couple of weeks. No new apps installed, no change in settings. I have an iPhone 6s running IOS 10.2.1...
by LifeIsGood
Wed Jun 28, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 29
Views: 1628

Re: Cruise With The Grandkids

Thanks so much to everyone for your responses. So much great information. Passports are not a problem - they all just got theirs this year so we're good to go. One of my major concerns is being a "parent" to 4 kids for a week. We see these kids nearly every week of the year but have never ...
by LifeIsGood
Tue Jun 27, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 29
Views: 1628

Cruise With The Grandkids

We're contemplating taking our 4 grandchildren on a cruise. Their ages range from 8-13. Since this is a first time experience, I wanted to keep the length under one week in case there is some buyers remorse mid way through the cruise. :oops: I was initially attracted to Disney but was a bit put off ...
by LifeIsGood
Mon Jun 26, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 28
Views: 2034

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me?
by LifeIsGood
Fri Jun 23, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank and Personal Capital
Replies: 4
Views: 372

Re: CIT Bank and Personal Capital

Thanks for the replies. Turns out I didn't go far enough. I only typed in CIT which brought up all the various permutations of Citi Bank products. When I entered CIT Bank, all was good.
by LifeIsGood
Thu Jun 22, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank and Personal Capital
Replies: 4
Views: 372

CIT Bank and Personal Capital

I recently opened a couple of savings accounts at CIT Bank (I'm pretty sure this is NOT Citi bank) but I'm unable to set them up with Personal Capital. I've emailed them about the problem but never got a response.
Has anyone else been able to set up a CIT account?
by LifeIsGood
Mon Jun 19, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Legal options when merchant and credit card [take advantage of you]
Replies: 7
Views: 1374

Re: Legal options when merchant and credit card [take advantage of you]

I've had good luck filing a complaint with the Better Business Bureau in a situation like yours. I got both problems resolved in my favor rather quickly.
by LifeIsGood
Wed Jun 14, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 940

Re: Looking To Upgrade My Coffee Roaster

After much debate, I ended up getting the Behmor 1600 Plus. Right now I'm sipping on a Costa Rica Helsar Carlos Alpizar. Nice!

I did briefly look at the Husky but was discouraged by the face that you had to provide a heat source and roasting over my stove was not an option.
by LifeIsGood
Fri May 19, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: How handle home sale proceeds?
Replies: 7
Views: 803

Re: How handle home sale proceeds?

Congratulations on your sale. As long as your profit is less than $250K and you're single, there are no tax issues. A long time ago there was a time limit to reinvest the capital gains but that is no longer. Look for an online bank that offers a bonus for transferring your money in. Right now Cit Ba...
by LifeIsGood
Tue May 16, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1429

Re: Home cordless phone recommendation, which takes AA or AAA batteries

+1 for Panasonic. I LOVE the call blocking feature !
by LifeIsGood
Sun May 14, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1011

Re: Car Rental in Mexico

Thanks again for the additional replies. Very interesting. Watty, you raise an interesting issue with Taxis. A bit more info. about our trip: This is a 50th anniversary family celebration. Six people will be arriving together and go from Cancun to Playa del Carmen for one night and then on to a hous...
by LifeIsGood
Sat May 13, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1011

Re: Car Rental in Mexico

Thanks everyone for the replies. This seems to confirm my suspicions that there isn't a "best" rental company. PowDay, thanks for the heads up RE: the gas scam. I wasn't aware of it.
by LifeIsGood
Fri May 12, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1011

Car Rental in Mexico

We'll be flying into Cancun in mid-July and will need a car for a week. There are an overwhelming number of choices and I've read accounts of bad experiences with many of the vendors. One scam that seems to be prevalent is quoting a rate in USD and then applying a wicked exchange rate when convertin...
by LifeIsGood
Sat Apr 29, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: [Southwest] Airlines Rapid Rewards Dining
Replies: 11
Views: 987

Re: SW Airlines Rapid Rewards Dining

I have no idea how this program works. All I know is that it allowed me to keep 25,000 points active for another 2 years. I was literally down to losing the points in 24 hours when I found out about Dining Rewards. A quick meal out that night and all was good for another 2 years.
by LifeIsGood
Tue Apr 25, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 1764

Re: DIY Yard Tick Spray?

When evaluating the effectiveness of insecticides used topically on pets remember that just because you see fleas or ticks on your pet doesn't mean the product isn't working. The tick you see today may be dead in 24-48 hrs. It takes time for the parasite to absorb the insecticide and die. If the dea...
by LifeIsGood
Sun Apr 23, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Aftermarket batteries for cordless tools?
Replies: 10
Views: 1191

Re: Aftermarket batteries for cordless tools?

I'm not sure what type of cordless tools you are referring to but many years ago I got tired of buying new cordless drills because the new tool cost almost the same amount as a replacement battery. I switched to Rigid cordless tools to take advantage of their lifetime warranty which includes the bat...
by LifeIsGood
Thu Apr 20, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 58094

Re: Bank of America/Merrill Edge - Preferred Rewards

ras4250 wrote:Does anyone have any insight as to what parts of the year they bring back the bigger $1000 bonuses?


There is a $900 bonus showing at https://www.merrilledge.com/offers/me900 however it shows the expiration date of April 18th. I'd call before applying.
by LifeIsGood
Sun Apr 16, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Direct Deposit Qualifications
Replies: 4
Views: 718

Re: Bank of America Direct Deposit Qualifications

I'm ok. This is the first checking account bonus I've ever had. The last checking account I opened was in 1974 !
by LifeIsGood
Sat Apr 15, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Direct Deposit Qualifications
Replies: 4
Views: 718

Re: Bank of America Direct Deposit Qualifications

I saw the Doctor of Credit link but can't tell how current it is. I need $4k in DD and I doubt I'll have that much from SS before the time limit expires. The bonus is $300. The offered appeared after logging into my BofA credit card.
by LifeIsGood
Fri Apr 14, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Direct Deposit Qualifications
Replies: 4
Views: 718

Bank of America Direct Deposit Qualifications

I'm trying to qualify for a BofA checking account bonus that requires direct deposits. The only DD that I have is social security and I'm afraid that I won't have enough deposits in 90 days. to qualify for the bonus. A Google search shows that CapitalOne360 transfers do qualify. My letter from BofA ...
by LifeIsGood
Sun Apr 02, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Seller received insurance check for Roof replacement & wants to give check to Buyer
Replies: 7
Views: 821

Re: Seller received insurance check for Roof replacement & wants to give check to Buyer

It's my understanding that the insurance claim stays with the house via the CLUE report so it doesn't matter who made the claim.
by LifeIsGood
Wed Mar 15, 2017 6:00 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 940

Re: Looking To Upgrade My Coffee Roaster

Thanks Nicolas and David for the info. David, I was happy to see your comment "... results are very consistent within a particular bean". That's one issue I'm struggling with right now. I roast a batch of beans and one pot of coffee tastes great while the next one seems to have bitter notes.
by LifeIsGood
Tue Mar 14, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2835

Re: Finding The "Sweet Spot" on a Roth Conversion

RMD is $73,000. Taxable Interest = 2,336 Ord. Div. = 42,893 Qual Div = 35,765 Cap Gain = -3,000 Taxable SS 22,708 AGI = 64,937 Taxable Inc = 41,737 What is total gross SS income? Taxable SS is a wildly moving target that depends on your other income, which complicates things immensely. Also, is the...
by LifeIsGood
Tue Mar 14, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 940

Looking To Upgrade My Coffee Roaster

Coffee seems to be a lively topic on Bogleheads. I've been roasting green coffee for the past year using a West Bend Poppery II popcorn roaster and have been pretty happy with the results but wonder how close I am to "as good as it gets". One potential problems seems to be that the Poppery...
by LifeIsGood
Tue Mar 14, 2017 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2835

Re: Finding The "Sweet Spot" on a Roth Conversion

Peter Foley wrote:Just to clarify, is the RMD itself $73,000 or will the RMD raise your taxable income to $73,000?


RMD is $73,000.
Taxable Interest = 2,336
Ord. Div. = 42,893
Qual Div = 35,765
Cap Gain = -3,000
Taxable SS 22,708
AGI = 64,937
Taxable Inc = 41,737
by LifeIsGood
Mon Mar 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2835

Re: Finding The "Sweet Spot" on a Roth Conversion

Additional Info:

Status = MFJ
Taxable Income w/o Conversion: $41,737
Currently retired and drawing Soc. Sec. 70% taxable
RMD's start 4/2019
Est. RMD = $73,000

Thanks everyone for your input. Very helpful.
by LifeIsGood
Mon Mar 13, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2835

Finding The "Sweet Spot" on a Roth Conversion

I'm finishing up my tax return and running some "what ifs" to determine how much of my tIRA->Roth conversion should be re-characterized to stay in the 15% bracket. The full $30K conversion would appear to represent an 11.17% tax rate (3352/30000) Here's what I've got: https://s15.postimg.o...
by LifeIsGood
Sat Mar 11, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 3504

Re: 2017 Honda CRV: anyone shopping or buying?

I've had a 2015 CRV Touring for a couple of years so I can't make an apples to apples comparison but can offer a few observations. I absolutely love that the GPS screen turns into a rear facing camera when the right turn signal is activated. No blind spot now. I'm not sure if this is a Touring Only ...
by LifeIsGood
Sun Mar 05, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 20
Views: 1361

Re: Programable thermostat for gas water heater?

Try Googling "Gas water heater TIMER". I have no idea how well these things work or how long the pay back period would be.
http://www.gaswaterheatertimer.com/
by LifeIsGood
Sun Feb 26, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2487

Re: Trip to Savannah GA

If you do a day trip to Tybee, stop at Tybee Island Social Club for lunch. The food is good and there's an outside eating area that is very pleasant if the no-see-ums aren't biting. We'll be in Savannah over St. Patrick's Day weekend and will be trying out The Grey for the first time.
by LifeIsGood
Fri Feb 24, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 58094

Re: Bank of America/Merrill Edge - Preferred Rewards

If you'll notice on the link posted above it says "Respond by Dec 21, 2016". I tried last year and was unsuccessful.
by LifeIsGood
Thu Feb 23, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Obamacare penalty
Replies: 19
Views: 1171

Re: Calculating Obamacare penalty

Here is an affordability calculator to see if that might be an option - http://tools.cotaxaide.org/ACA%20Afford ... lator.html
by LifeIsGood
Tue Feb 21, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Bluetooth Transmitter
Replies: 4
Views: 605

Re: Bluetooth Transmitter

Thanks Wilked and Nisipirius for the information. I never thought about the latency issue. That would be a real deal breaker. A couple of follow up questions if I may: Does the volume control on the satellite remote control also control the headphone/bluetooth volume as well? Is the TV speaker off w...
by LifeIsGood
Mon Feb 20, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Bluetooth Transmitter
Replies: 4
Views: 605

Bluetooth Transmitter

I just ordered a pair of bluetooth earphones that I want to use with a tv set that isn't bluetooth equipped. I was hoping someone could recommend a bluetooth transmitter that I could pair with the tv. It has an optical (TOSLINK) port and a couple of composite RCA type connections as well. There is a...
by LifeIsGood
Sat Feb 11, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Sonoma/Napa or Banff for anniversary?
Replies: 12
Views: 1128

Re: Sonoma/Napa or Banff for anniversary?

The 2 choices are somewhat of an apples/oranges situation. I've been to both locations and would have to favor the northern-most option. I'd also add that if there's any way to include Glacier National Park in the trip, it's well worth the effort. Happy Anniversary !
by LifeIsGood
Wed Feb 08, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2425

Re: Durable photo printer ?

The best deal on photo paper is from Canon when they have their sales. Typically it's buy 1 get 8-9 free. If you're using EOM ink, the paper and the ink are matched via ICC color profiles .
by LifeIsGood
Mon Jan 30, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: 1099-SSA and 1099-R reporting for deceased taxpayers
Replies: 7
Views: 867

Re: 1099-SSA and 1099-R reporting for deceased taxpayers

Your mother in law can also file a married filing jointly for 2 years after her husbands death.
by LifeIsGood
Tue Jan 24, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: ACA penalty affordability?
Replies: 13
Views: 1306

Re: ACA penalty affordability?

Here's a pretty good affordability calculator once you get your 1095-C. - https://cotaxaide.org/tools/ACA%20Affor ... lator.html
by LifeIsGood
Wed Jan 18, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2425

Re: Durable photo printer ?

I put the last Pro-100 I bought into service for my own use. I had no luck trying to sell "bare" printers without print heads and ink and finally gave them away on Craigslist. The old unit was working fine but since I had 4 unused printers I was giving away, I decided to give away the one ...
by LifeIsGood
Tue Jan 17, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 6615

Re: Volunteering Ideas

I've been a Habitat volunteer for the past 6 yrs and thoroughly enjoy it. We have a group of retired guys that get together most Thursdays and help get the house ready for when church groups come in on the weekends. Very laid back - if you can make, great. If not, no problem. Wonderful group of peop...
by LifeIsGood
Tue Jan 17, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2425

Re: Durable photo printer ?

Over the years I have bought 6 of these printers. I wait for them to go on sale and then resell the print head on eBay. Quite often I'm able to get it for $25-50 after rebate. Netting out the resale of the print head, I end up with free ink. Now - what to do with all that 13 x 19 paper ??? Print a c...
by LifeIsGood
Tue Jan 17, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2425

Re: Durable photo printer ?

It will print 4x6 up to 13x19.

sunny_socal wrote:Can that Pixma print post card size as well?

My wife has a selphy and is looking to upgrade. The selphy has a weird user interface and she must print many test pictures - the paper/film is expensive.
by LifeIsGood
Mon Jan 16, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2425

Re: Durable photo printer ?

I've been using a Canon Pixma Pro-100 for the past 5 years and love. it. Canon phone support has been top notch too. I tend to print pictures infrequently and always had problems with the ink clogging the print head with Epson printers. Never happens with this one. The big problem is that it's a bea...
by LifeIsGood
Wed Jan 11, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Are $50 drugstore and supermarket "drones" any fun?
Replies: 18
Views: 2434

Re: Are $50 drugstore and supermarket "drones" any fun?

I bought this one several months ago and it's lots of fun - https://www.amazon.com/Syma-X5SC-Explorers-Headless-Quadcopter/dp/B00WJOLJW8/ref=sr_1_1?s=photo&ie=UTF8&qid=1484139988&sr=1-1&keywords=syma+x5c+headless Pretty easy to set up and learn to fly. Video and still images are ok b...
by LifeIsGood
Tue Jan 10, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: File taxes with $0 income with a dependent?
Replies: 29
Views: 2491

Re: File taxes with $0 income with a dependent?

Without any earned income, she's not eligible for any refundable credits like Earned income Tax Credit so I don't see any reason to file. The only other reason to file would be to decrease the likelihood of tax fraud (ie someone filing a fraudulent return using her SSN).
by LifeIsGood
Mon Jan 09, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Credit Card Advice for Large Purchase
Replies: 10
Views: 1329

Re: Credit Card Advice for Large Purchase

Thanks student. I'll look into the CapitalOne card.
by LifeIsGood
Mon Jan 09, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Credit Card Advice for Large Purchase
Replies: 10
Views: 1329

Re: Credit Card Advice for Large Purchase

Thanks for mentioning this. Coincidentally, the travel is for a European cruise from a US based company. I'll call to confirm,. Is the contemplated travel domestic or international? Some credit cards charge a surcharge for foreign transactions. Fidelity, for example, has a 2% Rewards Visa, but they ...
by LifeIsGood
Mon Jan 09, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Credit Card Advice for Large Purchase
Replies: 10
Views: 1329

Credit Card Advice for Large Purchase

I have a large purchase coming up (~$20K) and have always been a big fan of getting credit card bonuses associated with opening new accounts. It seems like Chase has a lot of the good bonuses but I have run up against their 5/24 rule. I have also taken advantage of most of AmEx's bonuses. Can anyone...
by LifeIsGood
Sun Jan 08, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 2100

Re: Gas Water Heater vs Electric Tankless

My main electrical panel has absolutely no room for adding breakers. I even had to add some half height "cheater" breakers to accommodate some circuits I added in my shop. I suspect that when you calculate the cost of adding a sub-panel, this will be a NO GO proposition. Thanks for all the...

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