Search found 556 matches

by LifeIsGood
Tue Apr 25, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 1436

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: 935

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: 293
Views: 47661

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: 650

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: 650

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: 650

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: 734

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: 3
Views: 419

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: 2707

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: 3
Views: 419

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: 2707

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: 2707

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: 2707

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: 3010

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: 1235

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: 2273

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: 293
Views: 47661

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: 1071

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: 550

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: 550

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: 1034

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: 2248

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: 800

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: 1224

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: 2248

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: 6382

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: 2248

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: 2248

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: 2248

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: 2317

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: 2375

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: 1235

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: 1235

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: 1235

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: 1996

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...
by LifeIsGood
Sat Jan 07, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1996

Re: Gas Water Heater vs Electric Tankless

When all the junk charges are factored in I'm paying $.75/therm for gas and $.11/KWH for electricity. My gas bill runs roughly $40 per month in the summer (ie no heat). I also have a gas range so lets assume 80% of the bill is for hot water.
by LifeIsGood
Sat Jan 07, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1996

Gas Water Heater vs Electric Tankless

I noticed that Home Depot has 4.6 GPM electric tankless water heaters on sale today for $299. I've been thinking about replacing my 12 yr old gas heater and wondered if there would be any significant savings in going to an "on demand" system vs my gas one? I would have to have an electric ...
by LifeIsGood
Fri Dec 30, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 293
Views: 47661

Re: Bank of America/Merrill Edge - Preferred Rewards

As an aside on this thread, I called last week regarding the $1,000 bonus for $200K transfer and was told that unless I had attended a seminar in Las Vegas in Oct, the present bonus is $600.
by LifeIsGood
Wed Dec 21, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Wells Fargo Mobile Check Deposit
Replies: 4
Views: 528

Re: Wells Fargo Mobile Check Deposit

Timely for me. Yesterday I finally gave up after 4 tries to make a mobile deposit with my iPhone. No matter what I did, it kept rejecting the images of my check.
by LifeIsGood
Wed Dec 21, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2276
Views: 664583

Re: What Book Are You Currently Reading? Part VI

I just finished "Shoe Dog" by Phil Knight. It's the story of how he and his U. of Oregon coach started Nike. Very interesting, well written read.
by LifeIsGood
Mon Dec 19, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Garage door gets stuck when opening/closing
Replies: 34
Views: 2329

Re: Garage door gets stuck when opening/closing

Some openers have a clutch adjustment. Check your manual and see if it's mentioned. I had a problem like you described (happened during cold weather) and adjusting the clutch solved the problem.
by LifeIsGood
Sun Dec 18, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 39
Views: 2973

Re: VoIP 'Oma' vs 'Vonage' phone

Does Google Voice include caller ID? I've been a long time OOMA customer but was prerry upset when they made caller ID a Premium service that I would have to extra for. Omma is much cheaper than Vonage. Omma also has decent customer support. So between these two - I would choose Omma. However - a th...
by LifeIsGood
Sat Dec 17, 2016 7:05 am
Forum: Personal Consumer Issues
Topic: Anyone's Take on Blue Dolphin Magazines?
Replies: 7
Views: 1876

Re: Anyone's Take on Blue Dolphin Magazines?

What's so ironic about this thread and Rewardsurvey is that after you redeem your points, a screen appears offering $2 magazine subscriptions from Blue Dolphin !! I haven't paid for a magazine in years. https://www.rewardsurvey.com/ If you spend 5 minutes answering some (20?) dumb repetitive multipl...
by LifeIsGood
Wed Dec 14, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: Credit Karma offers Free Tax filing for 2017 regardless of income
Replies: 5
Views: 1148

Re: Credit Karma offers Free Tax filing for 2017 regardless of income

Unless I missed it on their web page, I didn't see any mention of which software they are using (TurboTax, H&R Block, etc) or are they re-inventing the wheel and doing their own?
by LifeIsGood
Mon Dec 12, 2016 8:31 am
Forum: Personal Consumer Issues
Topic: Recs for blood pressure monitor for home use please
Replies: 16
Views: 1675

Re: Recs for blood pressure monitor for home use please

I bought this one from Costco a couple of months ago and am happy with it. It stores 2 sets of values in memory.
http://www.costco.com/Microlife-Premium ... 92022.html
by LifeIsGood
Sun Dec 11, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: "New" or Refurb Rechargeables for Old Tools
Replies: 36
Views: 2086

Re: "New" or Refurb Rechargeables for Old Tools

If you have a Batteries Plus near you, they can rebuild old battery packs. If they are that old there's a chance the batteries are nicad and definitely old technology. Lithium batteries are much better but would require a different charger. I love cordless tools and have bought Rigid at Home Depot f...
by LifeIsGood
Sun Dec 11, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 with Crossover
Replies: 1
Views: 423

Re: Quicken 2017 with Crossover

No experience with Crossover but I've used Parallels and VMware Fusion with no problems.
by LifeIsGood
Sat Dec 10, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Cabinet Info
Replies: 10
Views: 1697

Re: Kitchen Cabinet Info


Go to advanced search