Search found 1549 matches

by mouses
Sun Mar 19, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10703

Re: Paying $20 to E-File State Return

Since I am retired and no longer itemize (house is paid off) our tax returns are the same every year and I do it on paper. Even when doing with Turbotax I always did it on paper too as comparison. NY state did not let me Efile. So I sent tax returns to IRS and NY via Certified mail. To NY it took 2...
by mouses
Sun Mar 19, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4140

Re: Collection Agency - Are you kidding?

I had a similar ridiculous call from a hospital. Seems they had failed to get the contractually required pre-authorization and my insurance didn't pay. I called my insurance company and they explained the problem so I ignored it. Next call was from a collection agency - in fact if I tried to call t...
by mouses
Sat Mar 18, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect taxed medicare earnings on social security statement
Replies: 10
Views: 521

Re: Incorrect taxed medicare earnings on social security statement

Just curious--you are seriously going to call and try to explain to someone that the government didn't take enough of your money and you would like to fix it???? and its been 3 years! I guess there is no way I would be wasting my time trying to fix other peoples mistakes that is going to cost me mo...
by mouses
Fri Mar 17, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4140

Re: Collection Agency - Are you kidding?

Collection agencies are notorious for going after people for debts they don't owe. I'm a little hazy about this, but I think if you mail them a letter saying you don't owe the bill and to stop contacting you, they have to leave you alone. If they ding your credit report, isn't there some feature whe...
by mouses
Fri Mar 17, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 100
Views: 5022

Re: Suspicious organic products

My opinions are similar to Raybo's with two additions: 1. I avoid carbohydrate-rich food and thus don't buy either wheat or rice. 2. Much of my organic food (produce, chicken, eggs) comes from Costco and Whole Foods, and I am assuming that Costco and Whole Foods are selecting their suppliers better...
by mouses
Fri Mar 17, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Car/home insurer....cut the cord?
Replies: 8
Views: 837

Re: Car/home insurer....cut the cord?

I go with AMICA for everything possible, (They do not write homeowners insurance in my area.) They are decent folks who have always been great. I have homeowners through an independent agent. I used to be a State Farm customer, but they were terrible after a flood, and the state finally sued them. I...
by mouses
Fri Mar 17, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 58
Views: 5503

Re: Endless Job Interviews (with same company)

Only once have I been on the endless cycle of interviews with a company cycle and they eventually just faded away. I have no idea what was going on, my guess is some internal mess. I would tactfully explain to your primary contact that it is getting difficult for you to take this many days from work...
by mouses
Fri Mar 17, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Gutter Replacement
Replies: 17
Views: 1566

Re: Gutter Replacement

Be careful about what they may do to the architectural features of the house when installing larger gutters. I came home to find all the protruding rafter ends sawn off.
by mouses
Thu Mar 16, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 100
Views: 5022

Re: Suspicious organic products

There's been fraud in the world organic olive oil market, so I don't see any reason why rice wouldn't be susceptible to this practice. I'll continue to buy as much organic, price dependant, as I can, but I generally trust US/CAN brands more. I also trust the local farmers market farmers who say the...
by mouses
Thu Mar 16, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 4560

Re: Cost of Dental Implant

Medical insurance very rarely pays anything for teeth. The biggest problem is finding a dentist to work on "contingency" to do the work and hope insurance pays....most (rightfully so) will require you to pay up front and it's the patient's fight to get reimbursed from THEIR insurance. I t...
by mouses
Wed Mar 15, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4815

Re: What to do with $100???

Donate it to an animal shelter or an environmental organization.
by mouses
Wed Mar 15, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 4560

Re: Cost of Dental Implant

My dentist told me that I would need a dental implant in the future. I said : is too expensive. I wonder why people do not do Jacket crowns. When 15 years old I once broke off a front tooth at the gum line. The dentist left the remaining tooth and roots in place and put a gold 'pin' in it, then pla...
by mouses
Wed Mar 15, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRA RMDS
Replies: 8
Views: 533

Re: IRA RMDS

I was not thinking of inherited IRAs. I have none of those, so I am not familiar with those rules.
by mouses
Wed Mar 15, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRA RMDS
Replies: 8
Views: 533

Re: IRA RMDS

What is the rule for people with multiple IRA accounts older than age 70 1/2. Must they take a RMD from EACH account, or is there a way to make the calculation, recognizing the total amount in all of the accounts, but just taking the required amount from one of the accounts? As long as the total is...
by mouses
Wed Mar 15, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 4560

Re: Cost of Dental Implant

Hi, Without dental insurance, how much should I expect to pay from start to finish for All-on-4/6/8 dental implant? All teeth have been removed. I saw some reviews on Yelp mentioning $50K. Is that on the high side? Average? The dentists I have called are not willing to give me a price range unless ...
by mouses
Tue Mar 14, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: CCRC [Continuing Care Retirement Community]
Replies: 10
Views: 1103

Re: CCRC [Continuing Care Retirement Community]

My aunt lives in one of these. She likes it very much. I would go crazy if I lived there, as the frequent noisy recreational activities treat people like idiots.
by mouses
Tue Mar 14, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2096

Re: Temporarily registering new car at friend's address -- anything wrong?

I assume this would also cause trouble with your insurance.

Walk away from this. Go to another dealer.
by mouses
Tue Mar 14, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4701

Re: Issue With Contractor. What to do?

He might have had some moron working for him who never told him about the ducts and perhaps did not even realize the implications. Seriously. I would politely give him time to respond. Also, if you are in the area of the country that's having a blizzard, allow another day or two as most places are c...
by mouses
Tue Mar 14, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Didn't file 1099DIV, now what?
Replies: 7
Views: 768

Re: Didn't file 1099DIV, now what?

What I would first do is find out the situation with the FIL's estate in general. Is other stuff mixed up? Once that is straightened out, the tax situation should be clearer. She may have to file amended returns. If there is no additional tax liability I would instead write an explanatory letter to ...
by mouses
Tue Mar 14, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1464

Re: web access in a power failure

Since you can still be up to 40 miles away from a cell tower and still get service, I've never had a problem with accessing the web during a power outage. We've never had an outage that spanned that big of an area. I just use my smart phone if needed however I do know others who can't live without ...
by mouses
Tue Mar 14, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 217
Views: 16262

Re: gratuitous homeownership items

I'm surprised by how many people think alarm systems are gratuitous. We use ours every night, and my wife loves the peace of mind especially when I'm out of town. Plus we get a cheaper rate on homeowner's insurance as a little additional bonus. I've house sat or pet sat for friends with these syste...
by mouses
Mon Mar 13, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6195

Re: cost of Solar Power

I was reading recently that there have been efforts underway in various states to do away with the government subsidies for solar and wind (not for gas and oil, however!) So if you are planning on doing something with the former, I would keep an eye on such things so you don't miss the boat. Intere...
by mouses
Mon Mar 13, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2498

Re: How to tackle fiancee's student loan debt

I agree with the post above about not paying any expenses of your fiancé until you guys are married. I worked with a guy that supported his fiancé all the way through pharmacy school only for her to move on to someone else after she graduated. Couldn't the same thing have happened if they were marr...
by mouses
Mon Mar 13, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 95
Views: 6195

Re: cost of Solar Power

I was reading recently that there have been efforts underway in various states to do away with the government subsidies for solar and wind (not for gas and oil, however!) So if you are planning on doing something with the former, I would keep an eye on such things so you don't miss the boat.
by mouses
Mon Mar 13, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 36
Views: 4423

Re: How do you keep spouse informed of family finances?

kelway wrote:I keep a mint-based by-account net worth chart taped to the fridge. That's all she needs or wants.


Nice gift to some enterprising burglar.
by mouses
Mon Mar 13, 2017 1:18 am
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1464

Re: web access in a power failure

Power goes out once or twice a year. It was out for five days a couple of years ago due to a hurricane. If it's out in the dead of winter, I don't want to drive through the snow to find a place with wireless, not to mention the roads not necessarily being plowed and having to get home to run the fau...
by mouses
Sun Mar 12, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: web access in a power failure
Replies: 21
Views: 1464

web access in a power failure

Slowly I am lurching out of the past. I now have a doro cell phone instead of a landline. I have a Nook. I didn't actually decide to buy the Nook, it was close to a freebie as a credit card promotion. I want to be able to access the Internet even when the power is out. The Nook seems only able to ac...
by mouses
Sun Mar 12, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 43
Views: 4546

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

That business of a car running in a closed garage is very dangerous, potentially fatal in terms of exhaust. An expensive neighborhood is unfortunately no guarantee you won't have terrible neighbors. I live in what used to be a nice, quiet neighborhood and a few years ago the neighbors from hell in t...
by mouses
Sun Mar 12, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 217
Views: 16262

Re: gratuitous homeownership items

Appliances with lots of controls. I use the washer, dryer, and dishwasher on one setting each and never bother with the other settings. I wish the house didn't have a skylight. It's a maintenance nightmare as it has leaked twice and it's very hard to find people to repair it. No one is interested in...
by mouses
Sun Mar 12, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 36
Views: 4423

Re: How do you keep spouse informed of family finances?

The only concern that I have is that I do the taxes and she has a visceral negative reaction to tax forms. I did her taxes before we were married. She would probably have to find a tax preparer in this case, even though they are pretty basic (standard deduction, no big investment income complicatio...
by mouses
Sun Mar 12, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 3913

Re: How Do You Share Expenses?

Wife and I have always keep our money matter separate. Long story short version: 1990 - I bought house with mortgage 1992 - Married. She paid 20% piti for 20% ownership 2011 - Separated and sold house. She got 20% of proceeds. 2013 - Reconciled. Moved back in to the house she bought. Paid $500/mont...
by mouses
Sun Mar 12, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Home Transfer
Replies: 18
Views: 1047

Re: Home Transfer

Thanks for the input, I think I will go ahead and file it. The form is super simple, if we outlive any of our kids I can easily re-file a new form, only cost' about $150 with the County Recording office. Assuming you haven't both been taken out at the same time in a car accident etc. You can put th...
by mouses
Sun Mar 12, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 36
Views: 4423

Re: How do you keep spouse informed of family finances?

I am in my 50's, and in good health, but... 1. Copies of insurance doc's, bank and investment account summaries, wills, powers of attorney, etc in a small safe. 2. Online copies of #1 in files labeled DH's documents, DW's documents, DD's documents- on the computer desk top. 3. Annual meeting to dis...
by mouses
Sun Mar 12, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22565

Re: How to Die

I would be careful about court-appointed attorneys or guardians. There have been news articles in my state about such people ripping off estates, not making sure the person had good care, etc. I wonder if an "elder law attorney," which I have seen advertised locally, would be good for this...
by mouses
Sun Mar 12, 2017 1:52 am
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7021

Re: About to retire and need to realize 5%/year to live on.

Yes you can get 5%/ year to living. However, due to inflation, the 2 mil will loosing purchasing power. I would make suggestion to you: purchase a multi unit apt with 2 mil and live on rental income of it. The apt will always keep up with inflation while your rental income should increase according...
by mouses
Sat Mar 11, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1752

Re: help with my printer problem

OP, I would like to know more about how this problem happened. Did you have a perfectly fine working setup and nothing changed except the printer now does not work? Or was it that you tried to get the printer to work with a new computer? Or? What do you mean by not printing? Is it acting dead? Is it...
by mouses
Sat Mar 11, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22565

Re: How to Die

Scone, I am sorry for your situation. Reading your post, it occurred to me that a lot of single, especially older, people are in a difficult situation. I am very fortunate to have two reasonable siblings, but since they are often out of state, this thread has made me realize that I should have a cha...
by mouses
Fri Mar 10, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Credit union safety
Replies: 16
Views: 1059

Re: Credit union safety

Is your emergency fund greater than the $250,000 NCUA insurance limit? You could always split your deposits among multiple banks and credit unions to diversify risk. It is, for personal accounts, usually very easy to multiply this $250,000 limit. Retirement (IRA) accounts are separately counted, as...
by mouses
Fri Mar 10, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22565

Re: How to Die

I am a little squeamish about people making money off tissue donations. I do recall that happening with some cosmetic uses in the U.S. I am not squeamish enough to revoke my organ donor card, however. OK, maybe people missed the most important point. My wife knows I am OK donating my organs. I want ...
by mouses
Fri Mar 10, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Credit union safety
Replies: 16
Views: 1059

Re: Credit union safety

dm200 wrote:I am in the credit union business and I find rating services of credit unions nonsense (my opinion).


I thought the ratings were based on assets, loans outstanding, ratios, etc. Curious to know why this is nonsense?
by mouses
Fri Mar 10, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2613

Re: Re-applying for same job?

self deleted.
by mouses
Fri Mar 10, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: checking account debit at the speed of light
Replies: 14
Views: 1516

checking account debit at the speed of light

This is just a curiosity question, since I always put money in my checking account before I set up a debit. My credit card takes several days to debit the account for a payment. Overnight I used for the first time the IRS make an estimated tax payment over the web thing. Whoosh at the speed of light...
by mouses
Fri Mar 10, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 36
Views: 4423

Re: How do you keep spouse informed of family finances?

Of course, make sure your spouse knows where this documentation is. If you are still working, name and phone number of your boss, as at least he or she will want to be kept up to date about how long you will be away from work. livesoft's post reminds me that you should list any other debts and how t...
by mouses
Fri Mar 10, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 36
Views: 4423

Re: How do you keep spouse informed of family finances?

Good luck on your surgery. Here is what I have: Copy of will and revocable living trust. A document with a list of all financial institutions, account numbers, balances at the end of last year (not sure you need to do this now since I assume time is limited, but it will give your spouse an idea of t...
by mouses
Thu Mar 09, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: SS taxes
Replies: 25
Views: 2605

Re: SS taxes

...Yes, it's not fair to be taxed on money you have already paid taxes on. There are some people in Washington who are struggling with that whole taxation question right now, and they would love to hear from you! (or maybe not). Anyway, I don't know about your numbers, but when I begin my SS, somet...
by mouses
Thu Mar 09, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 3587

Re: Wedding cash gift

A pot luck in some local rental venue, such as a historic house yard/garden, and ask 2-3 friends who are good at snapshots to take photos. There would be enough duplication from the latter to be reasonably sure of getting a nice set of photos. Not sure what to do about the dresses, but I imagine the...
by mouses
Thu Mar 09, 2017 2:12 am
Forum: Personal Finance (Not Investing)
Topic: SS taxes
Replies: 25
Views: 2605

Re: SS taxes

I haven't read all the replies, but there's an SS worksheet in the 1040 instructions. It's crazy complex in arithmetic, so I put it in Excel.

Yes, it's not fair to be taxed on money you have already paid taxes on.
by mouses
Thu Mar 09, 2017 2:06 am
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11466

Re: How to make it easier for spouse upon death

I have just been through this with my mom. My suggestions: Make out a will, or a trust. Have a list of all your investments, names, addresses, phone numbers, account numbers. Make sure your wife knows any specific wishes you want. I would suggest making and paying for burial arrangements and the sp...
by mouses
Thu Mar 09, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 2719

Re: Multiple job offers

You don't seem to have a firm offer from either place yet. My initial impression was that you did from Firm A, but then I realized they were still doing background checks. That order seems odd to me. If you had actually accepted an offer and the other company was only slightly better, I would go wit...
by mouses
Wed Mar 08, 2017 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 71
Views: 9015

Re: Just laid off - what to do

When I was laid off, I was eligible for unemployment payments even though I had a severance package. As others have said, look into this now so you get payments as soon as possible. I am sorry this happened to you. It is a real emotional shock. Many perfectly fine, hard working, well qualified peopl...

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