Search found 1302 matches

by Saving$
Sun Dec 04, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount



Yes. That states "early December" and downloadable. It's 12/4/16, which is early December and the thing is not yet available...
by Saving$
Sun Dec 04, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount

Still looking for the prelim version that has historically been available in November. When I go to the TaxAct site, it seems the prelim version is only some sort of online fill in the blank. In previous years, it was the download version, which imported the previous years data. The usefulness was I...
by Saving$
Tue Nov 29, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help sister?
Replies: 71
Views: 5824

Re: Best way to help sister?

There is some great info in this thread. It seems the mom is finished with enabling the sister to make less than optimal choices, but the OP/brother may not yet be there...Also, many people who say they are done enabling re-engage when the person "ends up in a ditch" or, due to their choic...
by Saving$
Mon Nov 28, 2016 2:19 am
Forum: Investing - Help with Personal Investments
Topic: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?
Replies: 29
Views: 2777

Re: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?

Would you mind sharing with us how you got our of the RE without paying boatloads of tax, or did you just bite the bullet and pay the depreciation recapture and the cap gains and move on? Do you have any significant 1031 positions that require you to invest in more real estate or else lose some of t...
by Saving$
Sat Nov 19, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for our basement
Replies: 19
Views: 1105

Re: Dehumidifier for our basement

I would also encourage you to buy the most efficient one you can; my power bill noticeably increases when I run the dehumidifier...
by Saving$
Sat Nov 19, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says Fidelity will be sold in 5 years...
Replies: 25
Views: 4126

Re: Jack Bogle says Fidelity will be sold in 5 years...

Jack Bogle was interviewed by the Wall Street Journal a few months ago, and he predicted that Fidelity will be sold 5 years from now.... ... what would it mean if Fidelity is "sold"? It means that Vanguard has 5 years to implement improvements to their website, and to revise their Solo 40...
by Saving$
Sat Nov 12, 2016 4:01 am
Forum: Personal Consumer Issues
Topic: Drain Cleaner or Plumber for slow drains?
Replies: 52
Views: 3750

Re: Drain Cleaner or Plumber for slow drains?

I have used this "Crystal Heat" product from the big box store with amazing success in a situation similar to yours Taylor.
It is easy to handle and use.

http://www.homedepot.com/p/ZEP-2-lb-Cry ... /100086662
by Saving$
Fri Nov 11, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any opinion on Popular Direct?
Replies: 12
Views: 1509

Re: Any opinion on Popular Direct?

...hmmm
The same parent company has Popular Community Bank, with a 1.26% MM that is guaranteed for 6 months...pretty good deal.
by Saving$
Fri Nov 11, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 1839

Re: Help for former check to check and drowning in debt 30 yr old!

Put your $5k in a Roth. To start with since your emergency fund is so small, just put the Roth money in a high yield savings. Thanks, after googling tho it looks like a Roth is a retirement fund. Won't I get penalized if I use it in a emergency? Think of each TYPE of account as a bucket. You can pu...
by Saving$
Fri Nov 11, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Recently awakened looking for advice
Replies: 11
Views: 1498

Re: Recently awakened looking for advice

You have all your eggs in one basket, the one that has performed best over the last 10 years you say. If that basket crashes... That is one of the reasons for the 3 fund portfolio. But you need to realize that if your single basket continues to perform well, the other two may not, or even be negativ...
by Saving$
Fri Nov 11, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Free Credit Monitoring - whats the catch?
Replies: 2
Views: 444

USAA Free Credit Monitoring - whats the catch?

Logged onto my USAA account and found they are offering free credit monitoring - something called Experian CreditCheck1 "You can access your Experian® credit report, score and receive alerts to key changes for free." I also see there are two upgrade options for identity monitoring and moni...
by Saving$
Thu Nov 10, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 1839

Re: Help for former check to check and drowning in debt 30 yr old!

Put your $5k in a Roth. To start with since your emergency fund is so small, just put the Roth money in a high yield savings.
by Saving$
Wed Nov 09, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Create a rental lease
Replies: 4
Views: 334

Re: Create a rental lease

Join your local landlord association; they will likely have a standard lease form. Laws vary by state, and even by city and county. You need a lease that addresses the local laws and ordinances. Beyond the legal terms, you just need to do alot of research for the business terms. Start googling terms...
by Saving$
Wed Nov 02, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Two plumbing questions/issues
Replies: 23
Views: 2469

Re: Two plumbing questions/issues

Replace the water heater. - If you wait until it fails, you will have effort of cleanup, and possibly costs related to damage or cleanup. Further, you will be in a relative hurry to obtain a replacement, so you will get the unit that is in stock, and you will pay more for labor. - If you decide to p...
by Saving$
Wed Oct 26, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: How does this company offer free RECs for power bill?
Replies: 0
Views: 514

How does this company offer free RECs for power bill?

On another site I read about a company that offers free REC (renewable energy certificates) on your power bill. They will offer free REC's on up to 50% of your bill. If you want REC's on 100%, you pay them. I have nothing to do with this company - it's http://www.arcadiapower.com Can anyone explain ...
by Saving$
Tue Oct 25, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11008

Re: 2017 ACA plan previews

So, are the policies available on the exchange the ONLY type available to individuals, or are there more individual policies, and possibly some PPO's, available through brokers if you don't care about subsidies? There are off exchange policies which don't offer subsidies. I have investigated these ...
by Saving$
Tue Oct 25, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11008

Re: 2017 ACA plan previews

My cost is going up significantly. But, that concerns me less than the narrowing of networks. My current plan is eliminating the three major hospitals in the state from its network. I am trying to find a high deductible plan that has an excellent network. Easier said than done. Number of plans in m...
by Saving$
Mon Oct 24, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Purchase - Radon mitigation
Replies: 19
Views: 1301

Re: Condo Purchase - Radon mitigation

Radon comes from the ground. Unless you are on the lowest level, it is unlikely the radon is still ground source.

Test the granite kitchen countertops. Those are often the culprit.

Most residential condo buildings have minimal fresh air ventilation system. And they are hardly ever adjustable.
by Saving$
Fri Oct 21, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 4862

Re: Microsoft Office

Thank you for the replies. After some research based on the replies... Mattshwink: Yes, Office365 is the online version, but it says "Now includes Office 2016 apps for your PC and Mac." Seems to imply it includes the standalone Outlook program for Windows PC. How is this any different tha...
by Saving$
Fri Oct 21, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 4862

Re: Microsoft Office

Thank you for the replies. After some research based on the replies... JDot: The free version is online only, and does not include Outlook. They have an online app called Mail, but it is apparently not possible to save your Mail database as a separate file, so no go. Earl: Yes, there are eml to pst ...
by Saving$
Fri Oct 21, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 4862

Re: Microsoft Office

Unless you just absolutely must have the Microsoft product, you might give LibreOffice a try. It comes with the same basic applications as MS Office (word processor, spreadsheet, presentation, database connectivity) and is free. Functionality is pretty close to the MS product, as is the UI, so you ...
by Saving$
Thu Oct 20, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 4862

Re: Microsoft Office

When your Office 365 sub expires it will go into reduced functionality mode. I think you can open but not edit documents. What part reduces functionality - the web Office 365, or the locally installed Outlook 2016? Local Outlook can connect to any email provider, Microsoft or not. It too will no lo...
by Saving$
Thu Oct 20, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 4862

Microsoft Office

MS Office seems to have all sorts of versions these days. Can someone please clarify: I can "subscribe" to Office 365 for one year for one computer for $69.95 (lower via some deals). I can also go to the local store and buy Office 365 in a box. Either one includes software for one of my co...
by Saving$
Wed Oct 19, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount

I searched my emails but no email from TaxAct as I have received in prior years. I went in to my account and I see that I "locked in" the low price for 2016. If my memory serves me correct I was offered the low price after completing 2105 taxes :happy Any idea if the price you received is...
by Saving$
Wed Oct 19, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 36
Views: 3406

Re: Costco Visa foreign transaction fee

So if the fee is for the conversion, if the OP's vendor is charging the OP in US dollars, there is no conversion, so where would the fee come in? ie - lets say the vendor communicates to the OP that the charge for the deposit is $100. Seems that it is $100, regardless of what currency the vendor eve...
by Saving$
Wed Oct 19, 2016 12:08 am
Forum: Personal Consumer Issues
Topic: Recommend tablet/laptop & app/software for service business?
Replies: 12
Views: 883

Re: Recommend tablet/laptop & app/software for service business?

The brass standard for small business bookkeeping is Quicken. (I say brass standard because I don't think there is a gold standard!) Quicken now has an online version. I messed with it and will someday be switching to it as I think it is easier to use than the PC version. Probably there is less his...
by Saving$
Tue Oct 18, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Donating lots of stuff and two cars...
Replies: 11
Views: 1499

Re: Donating lots of stuff and two cars...

And for the cars, I am still trying to find a good place to donate to. Anyone have any recommendations? I mean I like the humane society, and I heard they will accept car donations, but I wonder how much actually goes to the charity/how much of an actual deduction I will get? It seems like not all ...
by Saving$
Tue Oct 18, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount

OK - google taxact promo code.

You will find several. I clicked on the first one. Then click on the affiliate link to tax act, and once back at tax act, click on the online version cost. You might need to clear your browser. For me it shows the online versions as $0/$9/$13.50/$18
by Saving$
Tue Oct 18, 2016 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount

For those comparing the $13 or so products.. TaxAct has the online versions, which have prices that seem to match last years download prices; $0/$9/$13.50/$18. Just google for a promo code and follow the links. I initially posted a link but it looks like it gives that website a kickback, so you can ...
by Saving$
Tue Oct 18, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount

A while ago I had also been wondering why I didn't get an email from TaxAct in early June (as I had for several years) offering pre-purchase of next years version at a discount. So I looked around the website and found this page "Pre-Order TaxAct Products" https://www.taxact.com/products/...
by Saving$
Mon Oct 17, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

Re: TaxAct pre-purchase discount

I've been a happy TaxAct user since 2003, and had not realized the company had been sold. When I downloaded the software last year, they indicated there were now several levels or versions of the software, at different price points. As I had already prepaid, I received the version with the most func...
by Saving$
Sun Oct 16, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 104
Views: 8092

TaxAct pre-purchase discount

I used to get an email from TaxAct in early summer offering pre-purchase of next years version at a considerable discount. I did not receive this offer this past summer - I searched my emails to confirm. Did anyone else receive this offer, or has TaxAct discontinued this program? If not, does anyone...
by Saving$
Sun Oct 16, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: recs on gas forced air furnace replacement?
Replies: 34
Views: 2580

Re: recs on gas forced air furnace replacement?

We recently changed our A/C system and even with the Costco discount, and we had the best discount available as executive members, their prices were the highest. Same deal when I was looking for carpet. To say the least, I am throughly unimpressed with most Costco services although their in-store g...
by Saving$
Sun Oct 16, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Dire need for a white pull-out kitchen sink spray hood
Replies: 6
Views: 828

Re: Dire need for a white pull-out kitchen sink spray hood

https://www.faucetdirect.com/pfister-g133-10-pfirst-pullout-spray-kitchen-faucet/p1699693?gclid=CIyw1ua54M8CFYqIfgodGdsHkQ&source=gg-gba-pla_1699693____40786926923&s_kwcid=AL!3775!3!40786926923!!!g!84929624243! http://www.efaucets.com/detail.asp?Product_ID=470-WH-DST&ca=gpsl&CAWELAID...
by Saving$
Wed Oct 12, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel question
Replies: 44
Views: 3326

Re: Kitchen Remodel question

A microwave shelf will need an outlet but not a dedicated circuit. Code requires a dedicated circuit. Common sense requires the load be on at least a 20 amp circuit with associated heavier gauge wiring. The 110 outlets in the kitchen usually share a 15 amp circuit. If you run a micro on a 15 amp sh...
by Saving$
Wed Oct 12, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel question
Replies: 44
Views: 3326

Re: Kitchen Remodel question

Definitely, without a doubt, do the shelf option in the cabinetry. You can revise the design of existing cabinets, or if that does not work, extend some cabinets floor to top, deleting the counter and putting a shelf for micro in its place. Whether $1k cost for the circuit is reasonable depends upon...
by Saving$
Sun Oct 09, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents using our Roth to fund grandchild's college education
Replies: 17
Views: 2320

Re: Grandparents using our Roth to fund grandchild's college education

Isn't it possible to change "owners" of a 529? Could this be easily fixed by changing the 529 owner to the parent in the childs last years of high school?
by Saving$
Sat Oct 08, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Insurance & Medical documents to keep
Replies: 7
Views: 736

Re: Insurance & Medical documents to keep

Three weeks ago I had to dig out a policy document from almost 10 years ago. I won't go into specifics due to the nature of the information. I am also trying to get my pharmacy records from that time. There is so much stuff that you keep that you never need, and then once in a decade you'll need so...
by Saving$
Fri Oct 07, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Medicare Starting a month too early - vs in force coverage and deductible
Replies: 8
Views: 858

Re: Medicare Starting a month too early - vs in force coverage and deductible

Doesn't medicare start at 65?
So even if she reaches FRA at 66 for SS, wouldn't medicare have started at 65?

What type of BCBS policy is she currently covered under? Is it an exchange purchased policy, one from your employer, or other?
by Saving$
Fri Oct 07, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance & Medical documents to keep
Replies: 7
Views: 736

Insurance & Medical documents to keep

I am purging old documents related to medical & dental services, and medical, dental, disability, etc insurance coverage. Please advise if the following strategy seems correct, or if not, advise how I should adjust: Keep: Scan and file any specific letter from a doctor about specific medical con...
by Saving$
Fri Oct 07, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Survey from Employer
Replies: 6
Views: 654

Re: Health Insurance Survey from Employer

Are you satisfied with your current ACA coverage and the network? I also have coverage from the exchange, but had to hunt long and hard for a plan that included both nearby hospitals and my existing health care providers. The networks on most exchange policies were extremely small and limited. If yo...
by Saving$
Fri Oct 07, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Paint peeling off in ceiling
Replies: 23
Views: 1139

Re: Paint peeling off in ceiling

The boot around your vent pipe is leaking. Hire a roofer to remove and replace your existing boot. There will be a shingle or two around it they may need to replace. The bulk of the cost will be mobilization so I would have all the boots replaced while they are there. I had all mine done as a preven...
by Saving$
Thu Oct 06, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How much would you pay for LTCI - unlimited benefit period?
Replies: 20
Views: 1493

Re: How much would you pay for LTCI - unlimited benefit period?

Why would you pay for unlimited benefit period LTCI if you're single with no kids and have no legacy concerns? What's the point of preserving assets? There's no prize being the richest person in the graveyard; I've done some research: you can't take it with you. If you need LTC for the rest of your...
by Saving$
Wed Oct 05, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Wanted: Setting up a charitable fund
Replies: 9
Views: 682

Re: Advice Wanted: Setting up a charitable fund

As some have noted, your heart is in the right place but it is highly unlikely your wishes as you describe them can be carried out for a small amount. If you have $5,000 you can establish a donor advised fund with Fidelity and provide for an endowed plan to distribute to a synagogue. Gill +1 I don'...
by Saving$
Wed Oct 05, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Roof Drainage
Replies: 14
Views: 1115

Re: Roof Drainage

$350 is a good deal. Unless the dry well is huge, it won't hold much water, but ideally it is large enough to allow any water remaining in the horizontal part of the pipe to drain into the ground, so you don't create a mosquito problem. I would go ahead and do this, with the added caveat that the dr...
by Saving$
Wed Oct 05, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Which documents to keep from old Employer 401ks and tIRA/Roth accounts.
Replies: 3
Views: 359

Which documents to keep from old Employer 401ks and tIRA/Roth accounts.

Prior to the mid 2000's, old employer 401k and personal tIRA & Roth documents were distributed via hard copy. I need to get rid of old paperwork. I will scan all of my old statements, so I have a record of my account activity - money in /transferred/ out, etc. However, for old accounts for which...
by Saving$
Wed Oct 05, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Previous solo 401k documents....
Replies: 3
Views: 313

Re: Previous solo 401k documents....

You likely just restated to the new provider. If it was a new plan, you would have to terminate the original plan via amendment, then wait 12 months to open a new one. Personally, I would never get rid of retirement plan documents. I have had an agent request documents that were executed almost 15 ...
by Saving$
Wed Oct 05, 2016 2:32 am
Forum: Investing - Theory, News & General
Topic: Previous solo 401k documents....
Replies: 3
Views: 313

Previous solo 401k documents....

For those who had an initial/original Solo 401k with one provider, and move to another provider, such as Fido to Vanguard, etc. does this create an entirely new 401k, or does it just transfer the original 401k to a new provider? I'm trying to figure out if it is necessary to keep all the general pap...

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