Search found 1435 matches

by airahcaz
Fri Jan 12, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 529 gift limits
Replies: 11
Views: 987

Re: 529 gift limits

So $14K or under annually, no paperwork?
by airahcaz
Fri Jan 12, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 685

Re: Divorce or Arbitration

Am assuming it's ideal if both lawyers are from FL, but what if one of the spouses left and is staying in another state? not advisable at all to seek someone local?
by airahcaz
Fri Jan 12, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 685

Re: Divorce or Arbitration

Florida divorce document services: http://info.legalzoom.com/file-simple-divorce-florida-20432.html http://www.flcourts.org/resources-and-services/family-courts/family-law-self-help-information/family-law-forms.stml You may want to contact a reputable "legal document service" in Florida and ask how...
by airahcaz
Fri Jan 12, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 685

Re: Divorce or Arbitration

Florida divorce document services: http://info.legalzoom.com/file-simple-divorce-florida-20432.html http://www.flcourts.org/resources-and-services/family-courts/family-law-self-help-information/family-law-forms.stml You may want to contact a reputable "legal document service" in Florida and ask how...
by airahcaz
Fri Jan 12, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: 529 gift limits
Replies: 11
Views: 987

Re: 529 gift limits

so to be clear, 2 folks here stated that a form needs to be filled for any contributions per person over $14K? which starts a gift counter (up to the $5.4M)?
by airahcaz
Fri Jan 12, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 685

Re: Divorce or Arbitration

ok so maybe mediation, but perhaps each will want minimal legal representation to make sure everything is legit? suffice to say it cannot be the same lawyer?
by airahcaz
Fri Jan 12, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Divorce or Arbitration
Replies: 9
Views: 685

Divorce or Arbitration

For an elderly couple planning to part ways in FL, if amicable separation terms can be had, what is the easiest way to "settle"? They are both looking to avoid divorce lawyers and divorce court. Basically looking for an easy way to avoid legal fees and execute a simple divorce, such as possibly havi...
by airahcaz
Sat Dec 23, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2065

Re: Using lumens to buy light fixtures

My decision is to buy 1 4000 lumens fixture or 2 2500 lumens ones for the same costs.
by airahcaz
Fri Dec 22, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2065

Using lumens to buy light fixtures

Hi -

2 LED light fixtures put out 1000 lumen each. Another single fixture puts out 2000 lumens.

Are they equivalent in brightness?
by airahcaz
Thu Dec 21, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Grandfather's 529, gift?
Replies: 4
Views: 339

Re: Grandfather's 529, gift?

I'll let others answer your direct question as I believe there's a way to put 5 years' worth at once. Something he should consider, however, if the kid has any chance of financial aid and if the kid might go to a private school......I can say for sure that my son's private college financial form sp...
by airahcaz
Thu Dec 21, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Grandfather's 529, gift?
Replies: 4
Views: 339

Grandfather's 529, gift?

If a grandfather opens a 529 in his own name for the benefit of a grandchild, is there an annual limit to how much he can contribute besides the 529's annual state contribution limit? Meaning, is he limited to $14K to not trigger gift tax? It is, after all, still his own account...

Thanks
by airahcaz
Wed Oct 11, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 175777

Re: Tesla S

How long would it be before one can buy a new or used Tesla for under $30K? This is a current dilemma vs the new Camry or Accord, albeit ICE cars, but right now more than $30K is out of budget for most, including myself, or simply a choice where we don't want to spend more than that on a car. Well,...
by airahcaz
Tue Oct 10, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 175777

Re: Tesla S

At what point will a used Model S cross the new Model 3 price?
by airahcaz
Tue Oct 10, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 175777

Re: Tesla S

How long would it be before one can buy a new or used Tesla for under $30K? This is a current dilemma vs the new Camry or Accord, albeit ICE cars, but right now more than $30K is out of budget for most, including myself, or simply a choice where we don't want to spend more than that on a car. Well,...
by airahcaz
Tue Oct 10, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 175777

Re: Tesla S

How long would it be before one can buy a new or used Tesla for under $30K?

This is a current dilemma vs the new Camry or Accord, albeit ICE cars, but right now more than $30K is out of budget for most, including myself, or simply a choice where we don't want to spend more than that on a car.
by airahcaz
Mon Aug 21, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: NY State 529 deductability for non-resident taxpayer
Replies: 19
Views: 11710

Re: NY State 529 deductability for non-resident taxpayer

Hi, I am in similar situation: This is my understanding. If you live in NJ and work in NYC, Though you get tax credit for NY state tax, you still end up paying tax for NJ. so essentially not much benefit. The problem is: now you are locked for NY 529 and cant move to different state 529 plan, as ny...
by airahcaz
Wed Jun 28, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 12596

Re: Luxury Car

Not really "luxury" but still pretty nice; I buy used Lexus ES's that are 5-7 years old; they are at the optimal part of the depreciation curve, so they are relatively cheap; they are based on the Camry, so they are very reliable, and cheap to maintain. They drive smoothly (albeit boring) and they ...
by airahcaz
Wed Jun 28, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 258507

Re: Best watch for around $5,000?

mak1277 wrote:
airahcaz wrote:Entry level Rolex is no longer "around $5000"
Oyster Perpetual models can still be found around $5k new.
You're right. I was referring to entry level classic DateJust.
by airahcaz
Wed Jun 28, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 12596

Re: Luxury Car

Dottie57 wrote:I would just get a camry with all the trimmings. Leather heated seats. All of the many safety features. And a set of snow tires.
Accord!
by airahcaz
Wed Jun 28, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 12596

Re: Luxury Car

I recently bought a Porsche Boxster. I could have sprung for a 911, but I don't see the extra value in that. I went to a recent Porsche track event. Not much extra for the cost with a 911, even an S. However, a Turbo, that is amazing. Roller coaster on wheels. I was thinking a Lexus 460 next. Howev...
by airahcaz
Tue Jun 27, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: MESH (Whole Home Wi-Fi Systems)
Replies: 2
Views: 474

MESH (Whole Home Wi-Fi Systems)

Hi BH, As my router is on top floor, I’m fairly close to making the decision to not run Ethernet to my basement and instead get a wireless mesh network (Whole Home Wi-Fi Systems). Or I still run the Ethernet cable (to a switch) and still get the Mesh, because I understand there are distinct advantag...
by airahcaz
Tue Jun 27, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 258507

Re: Best watch for around $5,000?

Entry level Rolex is no longer "around $5000" but I am on my third upgrade and I've been so pleasantly surprised each time that each one has held their value so well over decades, that there's nothing like it. I also have a Tag etc., which get peanuts on a trade-in. Rolex for sure, the new DateJust ...
by airahcaz
Wed Apr 26, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

Why did you say counterproductive? Well, maybe 'counterproductive' is a stretch. Just inst doing anything really useful if the basement walls are well insulated. Ah ok. If I didn't have it already, I wouldn't add it. But I do have it and don't necessarily want to waste it if it can add value. If it...
by airahcaz
Tue Apr 25, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

Thanks for this - but what makes this different is that the newly conditioned basement will not be used daily and thus not heated daily to the same temp as first floor. It can be more than a 10 degree difference. So we wonder if it makes sense to keep the ceiling fiberglass batt so that the first f...
by airahcaz
Tue Apr 25, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

Yes, the air trapped within the fiberglass contributes to insulation value, however fiberglass batts are very poor at blocking airflow. Near useless if they are unfaced. Go up into the attic of an old house and look at the pink bats. you will see dark stains everywhere - this is where drafts pass t...
by airahcaz
Tue Apr 25, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

So what about a basement that does get finished where rim joists are sealed and walls are insulated, BUT the new basement living space is not used daily (in winter it will remain cooler than first and second floors). Does one remove the existing fiberglass batt in basement ceiling for creating a pr...
by airahcaz
Tue Apr 25, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

Removing the fiberglass batt from a basement ceiling will allow for warm air from the first floor to warm up the basement, thereby making the basement more comfortable. But is this at the expense of the first floor?
by airahcaz
Tue Apr 25, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

Thanks for the clarifications but I am not sure I am clearer on whether to take them out or leave them :)
by airahcaz
Tue Apr 25, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Re: Fiberglass batt in basement ceiling

So what about a basement that does get finished where rim joists are sealed and walls are insulated, BUT the new basement living space is not used daily (in winter it will remain cooler than first and second floors). Does one remove the existing fiberglass batt in basement ceiling for creating a pro...
by airahcaz
Mon Apr 24, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1882

Fiberglass batt in basement ceiling

When finishing an unfinished basement, some say remove the existing fiberglass batt in basement ceiling, for air flow between now two conditioned spaces. Others say leave it.

Call me confused.
by airahcaz
Fri Apr 21, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: InSoFast
Replies: 2
Views: 396

Re: InSoFast

Nearing_Destination wrote:No

But the R value of the foam products, for the depth, isn't as high
There are a number of similar products-- go to any big box store and look
I'm trying to compare it to DOW or Corning 2" rigid xps foam board.
by airahcaz
Fri Apr 21, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: InSoFast
Replies: 2
Views: 396

InSoFast

Has anyone heard of InSoFast insulation?

https://insofast.com/
by airahcaz
Fri Apr 21, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

Re: basement shower options

and with this will need to tile the walls, but is it unrealistic to spend only a few hundred bucks on tile material alone? https://www.lowes.com/pd/DreamLine-Aqua-Ultra-Chrome-Acrylic-Floor-2-Piece-Alcove-Shower-Kit-Common-30-in-x-60-in-Actual-74-75-in-x-30-in-x-60-in/50443522 You can buy tile, thi...
by airahcaz
Fri Apr 21, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

Re: basement shower options

and with this will need to tile the walls, but is it unrealistic to spend only a few hundred bucks on tile material alone?

https://www.lowes.com/pd/DreamLine-Aqua ... n/50443522
by airahcaz
Fri Apr 21, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

Re: basement shower options

Rough plumbing ejector pit etc. are all accounted for already. I'm just really after cost effective shower stall and the options.
by airahcaz
Fri Apr 21, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

Re: basement shower options

Plumbing is included in my overall contractor price already, so I'm really after material costs.

By tile pattern, that just means tile right? Can tile be had for the same price as prefab walls? (not accounting for difference in labor)
by airahcaz
Fri Apr 21, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

Re: basement shower options

Nicer pre-fab 3/4 shower kits will run you around $1k. Cheaper ones can be had for closer to $300. Installation for either isn't really that hard if someone else does the plumbing work. Here's a nicer model for reference http://www.homedepot.com/p/DreamLine-Prime-38-in-x-38-in-x-76-75-in-Corner-Fra...
by airahcaz
Fri Apr 21, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

Re: basement shower options

A custom tiled shower with glass door is going to cost you 2-3K minimum, and that's assuming your shower will have a relatively small door (i.e., not too much glass). It wouldn't hurt to go to a bath/shower showroom so they can show you all the fancy options you can choose. But I think your budget ...
by airahcaz
Fri Apr 21, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 1265

basement shower options

Hi - We are finishing our basement and are a bit overwhelmed with the options for a shower.  We don't need/want a tub.  space is 5' by 3'.We'd like to spend no more than $1000 for the "shower", whether the combo 3 piece walls and basin or glass door with tile or all the multitude of options. This ba...
by airahcaz
Wed Apr 19, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier behind basement vapor barrier
Replies: 7
Views: 854

Re: Dehumidifier behind basement vapor barrier

Doesn't rigid foam board require a fire resistant barrier to cover it? When we built 30 years ago, we put foam board on the outside foundation (below grade) for the insulation value which is probably minimal. We also put 1" foil faced foam board on the 2X4 studs under sheetrock to get the equivalen...
by airahcaz
Wed Apr 19, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Dehumidifier behind basement vapor barrier
Replies: 7
Views: 854

Re: Dehumidifier behind basement vapor barrier

Received this: Hello Ranjan and thank you for your inquiry. I would get a digital hygrometer to test your Relative Humidity in your space. If you go above 60% RH then you could use a dehumidifier down there because you want to be about 55% to 50%. That would be the RH seeping past your vapor barrier...
by airahcaz
Wed Apr 19, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Dehumidifier behind basement vapor barrier
Replies: 7
Views: 854

Re: Dehumidifier behind basement vapor barrier

Rigid foam is a vapor retarder and not a barrier unless it also has foil on the inside. By putting rigid foam on the inside of a basement, you are wanting the basement walls to dry from the inside out. (I'm assuming you have no exterior foam around the basement that would cause a mold issue by not ...
by airahcaz
Wed Apr 19, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Dehumidifier behind basement vapor barrier
Replies: 7
Views: 854

Re: Dehumidifier behind basement vapor barrier

Rigid foam is a vapor retarder and not a barrier unless it also has foil on the inside. By putting rigid foam on the inside of a basement, you are wanting the basement walls to dry from the inside out. (I'm assuming you have no exterior foam around the basement that would cause a mold issue by not ...
by airahcaz
Wed Apr 19, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Dehumidifier behind basement vapor barrier
Replies: 7
Views: 854

Dehumidifier behind basement vapor barrier

Hi - my basement will have rigid foam board acting as a vapor barrier for both the walls and the ceiling. Thus, I do not believe moisture will be able to penetrate into the living space.

Would a dehumidifier still be able to pull out the moisture from the cinder block behind the rigid foam board?
by airahcaz
Thu Apr 06, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Rechracterization reporting
Replies: 0
Views: 248

TurboTax Rechracterization reporting

Has anyone been able to properly report a Roth IRA conversion recharacterization and subsequent return of excess with gains in TurboTax without having received any 1099 for the return of excess gains?

If so, how?

TIA
by airahcaz
Thu Apr 06, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Recharacterization
Replies: 27
Views: 1632

Re: Backdoor Roth IRA Recharacterization

Ok Wise Folks, Tax filing time. Spoke to Fidelity and I will not receive proper 1099's for this Recharacterization and return of excess (with gains) till Jan 2018! They said I was obligated to report it in this year's taxes though. SO How do I do so? In TurboTax it allows me to fill out the recharac...
by airahcaz
Tue Mar 21, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 4920

Re: Sizing a ductless min-split for basement

To be clear, I've not really given much of a look into the pro's and con's of in-wall heaters versus baseboards. I just know the in-wall heaters are very low cost and easy to find a location to fit them into the room because of their small size. Because they do make some fan noise, a baseboard migh...
by airahcaz
Mon Mar 20, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 4920

Re: Sizing a ductless min-split for basement

That would definitely be my inclination. Multi-zone seems like overkill for what you're doing. I won't rule out that the installer might have good reasons for his suggestion, but he might also just be trying to sell you a seriously oversized system for his own profit. By in-wall, forced air heater,...
by airahcaz
Mon Mar 20, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 4920

Re: Sizing a ductless min-split for basement

So how many total BTU/hour is he trying to sell you? A single unit generally heats a single floor fairly well when the doors are open - maybe a couple degrees difference if the outside walls are reasonably insulated. If that leaves a couple rooms too cool, I'd turn the basement heat up just enough ...