Search found 42 matches

by nannid
Sun Jun 11, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: uva/uvb clothing
Replies: 12
Views: 836

Re: uva/uvb clothing

Thanks livesoft , TallBoy29er .

Going to read that thread and the idea of just buying one for trial is good!
by nannid
Sun Jun 11, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: uva/uvb clothing
Replies: 12
Views: 836

uva/uvb clothing

Does anyone have any experience with UVA/UVB clothing? I looked at some brands like Coolibar, Patagonia and they are really pricey. Wondering if it is worth the cost ? Short backstory - seem to have developed great sensitivity to the sun recently . Even running errands (walking from car to store etc...
by nannid
Mon Jun 05, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5672

Re: Favorite Thriller Authors and Why

Probably already heard of them but I'll throw in P.D James, Ruth Rendell and Reginald Hill - they are all British authors. I also enjoy Martha Grimes - she is an American author but her main series ( the Richard Jury series )is set in England - falls into the "cozies" category. Her charact...
by nannid
Fri May 26, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Potential contract to hire interview questions
Replies: 1
Views: 217

Potential contract to hire interview questions

I have an interview next week for a potential contract-to-hire job. The interview is with the end client - not the contracting company. It is a 3 month contract-to-hire . I am wondering - is it possible to find out information about the benefits (medical,401K etc ) and salary range offered by the cl...
by nannid
Sun May 21, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: blackout curtains
Replies: 19
Views: 2552

Re: blackout curtains

Post by runner3081 ┬╗ Sun May 21, 2017 11:21 am

We have the Eclipse brand. No issues, completely dark.


+1 - Agreed - they work very well . I believe they also make a curtain liner that may work if you are happy with your curtains. I found it on amazon.
by nannid
Sat May 20, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: house issue with number of rooms
Replies: 18
Views: 1889

Re: house issue with number of rooms

In both cases, we are not able to get the fully finished (and furnished) "lower level" to be included. Apparently it's considered a "basement", "below grade", in both cases. With the older house (our current home), we had the same question as OP. We checked with town, ...
by nannid
Fri May 19, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: house issue with number of rooms
Replies: 18
Views: 1889

Re: house issue with number of rooms

Great, thank you all.

I have no desire to raise my already high taxes. I guess I will let this be ..
by nannid
Fri May 19, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: house issue with number of rooms
Replies: 18
Views: 1889

house issue with number of rooms

Hello all, I bought a new house last year . I think I messed up somewhere :( , but I just realized today that the county tax assessment records show a total of 2 full baths and indicate an unfinished basement - however , this has a mostly finished basement with a full bath. There have been 2 or 3 se...
by nannid
Sun May 07, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1369

Re: sump pump issue

Thanks to all ! I feel much better now seeing as to how many years the pumps can last .

New check valve is on order since I am unable to find that clear, quiet type of valve locally and will look into buying a spare pump to keep in case it fails.
by nannid
Sat May 06, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1369

Re: sump pump issue

Thanks all. 33 years - wow . I never expected that. I have nothing of great value in the basement . No furniture or appliances . It is mostly storage for empty boxes ,extra bed spreads, paper towels + TP ( thanks Costco ) etc . It is just mostly finished with carpet and walls and has a bathroom. Thi...
by nannid
Sat May 06, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1369

sump pump issue

The house I recently moved into has a 12 year old sump pump ( 2005 ). It is made by Zoeller ..no idea what model. I hear it running and I have not noticed any water rising in the pit. That being said, the check valve has developed a slow leak. I posted this on a DIY forum as well and received a numb...
by nannid
Sat Apr 08, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k question
Replies: 8
Views: 444

Re: Solo 401k question

[/quote] if you were an employee you would still pay the employee portion of SS and Medicare correct? And I believe the employer portion is tax deductible so maybe the burden isn't as bad as you are thinking. https://www.calcxml.com/calculators/self-employment-tax-calculator[/quote] That could be tr...
by nannid
Sat Apr 08, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k question
Replies: 8
Views: 444

Re: Solo 401k question

Thanks all . I did not know about the IRA flow etc. I will look at Fidelity as well and check for any state level tax benefit. One of my main thoughts was to see if the employer contributions would reduce self-employment taxes in anyway. Based on what I am reading, it looks like that does not affect...
by nannid
Sat Apr 08, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k question
Replies: 8
Views: 444

Solo 401k question

Hi, The last 1.5 years of self employment , I have been contributing to a SEP IRA with Vanguard. I am now thinking of a 401k for 2017 and have been reading on it. I may not be able to contribute the maximum amount possible for both employer and employee . Does it matter if I fully contribute to the ...
by nannid
Sat Apr 01, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: help me understand - unlocked iphone vs clean ESN
Replies: 4
Views: 605

Re: help me understand - unlocked iphone vs clean ESN

Thank you all for taking the time to explain. I understand finally. I completely forgot about the icloud stuff as well . I am in IT and this phone stuff is complicated :oops: If you want an unlocked phone, buy an unlocked phone. They usually sell on swappa/ebay for only $30-50 more, less than the co...
by nannid
Thu Mar 30, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: help me understand - unlocked iphone vs clean ESN
Replies: 4
Views: 605

help me understand - unlocked iphone vs clean ESN

I am looking around for a used iphone on swappa and ebay.

if I buy a phone that is not unlocked but being sold as "clean ESN/IMEI" , does that mean I can get it unlocked as soon as I buy it?
by nannid
Tue Mar 28, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: To paint our wood trim or not?
Replies: 83
Views: 10816

Re: To paint our wood trim or not?

We have a good sized home that has lots of paella Windows and solid wood doors and trim. The color is a medium brown tone, with some amber hues. Kinda like walnut but unfortunately it's not walnut wood. It's a nice warm color, but one that makes choosing wall colors, furnishings, and overall design...
by nannid
Fri Feb 17, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: driveway repair
Replies: 19
Views: 2280

Re: driveway repair

Hi again, I am back after getting some contractors to come out and look at it . Narrowed it down to 3 out of 5 . I am leaning towards getting it done because it looks like it is just going to get worse . I am hoping someone will be kind enough to answer the last of my questions . 1. Two of them offe...
by nannid
Wed Feb 15, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: driveway repair
Replies: 19
Views: 2280

Re: driveway repair

I would just like to thank each of you for your valuable advice . I amd very grateful and feel quite empowered !
The knowledge people have and their willingness to share it on this board continually amazes me.
by nannid
Tue Feb 14, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: driveway repair
Replies: 19
Views: 2280

Re: driveway repair

Thanks all for your advice. I am waiting to hear back from some people on quotes . It does seem to be hard to get people - some of them don't appear to even call back. And some of them have a minimum job requirement - like $5-6K etc ! I am not sure if I can do blacktop since there is an HOA involved...
by nannid
Mon Feb 13, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: driveway repair
Replies: 19
Views: 2280

driveway repair

Hi - I bought my first house recently and the driveway has many cracks in it. They seem significant to me and a small part of it is sort of crumbling on the surface .I do not have any experience with contractors since I always rented. It is a 27 year old house and I live in a cold climate ( Metro De...
by nannid
Fri Feb 10, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Help consolidating child's investments
Replies: 5
Views: 268

Re: Help consolidating child's investments

Thanks for reminding me about the cap gains..need to do more thinking.
I am in a high tax bracket and do not wish to make this worse.
by nannid
Fri Feb 10, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Help consolidating child's investments
Replies: 5
Views: 268

Re: Help consolidating child's investments

I'm leaning towards a nest egg..I think that part of the issue is I don't know when this will actually be "needed".
by nannid
Fri Feb 10, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Help consolidating child's investments
Replies: 5
Views: 268

Help consolidating child's investments

Hello, I am hoping for some advice on consolidating my child's investments held in UTMA accounts. I feel like I have too many funds and want to put it all in 1 or 2 funds. I know the money goes to the child at 18 years of age , but I am not sure when it will really be "needed". Note - Ther...
by nannid
Tue Jan 17, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing across multiple IRAs
Replies: 2
Views: 256

Rebalancing across multiple IRAs

Hello, This may be a very obvious question to some but I'm looking for some input on how to rebalance across IRAs. Eg if you want a desired allocation of 75% stocks, 25% bonds and your investments are spread across 3 different IRAs , do you consider the total amount and try to rebalance? Or do you d...
by nannid
Sun Dec 11, 2016 9:54 am
Forum: Investing - Help with Personal Investments
Topic: FSA childcare with nanny from care.com?
Replies: 2
Views: 252

Re: FSA childcare with nanny from care.com?

Yes, I have done this with a child care provider. What I did was pay her out of pocket, and filled out a form with my FSA provider with her name and dates of service and they reimbursed me. She had to sign that form and I submitted it. I believe there was also a direct payment to provider option ( m...
by nannid
Tue Nov 15, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 762006

Re: What Movie Have You Recently Watched?

Just finished watching The Verdict on Netflix . Great courtroom drama .
by nannid
Wed Nov 02, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: help with portfolio
Replies: 2
Views: 390

help with portfolio

Hi all, I am looking for some help with a couple of questions . ( questions listed below the portfolio information ) . Thank you for taking the time to review and appreciate any input . Emergency funds: Yes, 6 months in an Ally savings account Debt: Mortgage - $297,00 at 3.75% 30 yr fixed. Tax Filin...
by nannid
Fri Oct 28, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring children
Replies: 10
Views: 1062

Re: Insuring children

If you are looking for the ACA insurance plans, I was able to do that for 2016 . I just went on healthcare.gov and enrolled through the website for my child alone . I didn't have any issues using the insurance this year.
by nannid
Wed Oct 26, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: ACA for divorced parents with child
Replies: 3
Views: 508

Re: ACA for divorced parents with child

Thank you for responding and clearing it up - sigh , was hoping to save some bucks overall :?
by nannid
Wed Oct 26, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: ACA for divorced parents with child
Replies: 3
Views: 508

ACA for divorced parents with child

Hi all, I am trying to research the following scenario and wanted to see if anyone has any experience or input . I recently got divorced with a child - both myself and my ex-spouse are self employed using insurance through ACA. My question is - does the person who claims the child as a dependent nee...
by nannid
Tue Oct 11, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1292

Re: Furnace issue

Thanks guys. It is not the blower - pretty sure it is the actual combustion part.
The only "visible" part is a small peephole type thing that shows me some flashing red lights as it shuts off...

I'll check the thermostat batteries too.
by nannid
Tue Oct 11, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1292

Furnace issue

I bought a house back in April and the seller included a homeowner warranty. We had a brief cold spell ( a week or so ) in May and the furnace worked fine then and hasn't been used since then. When I went to turn it on to test it yesterday , it appears to keep turning on and off again, on again etc ...
by nannid
Fri Oct 07, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2979

Re: ACA renewal - shop around.

Being a 1099 contractor , I am anxious about the rate increases as well.

Has anyone had any experiences with independent agents or anything outside the ACA?
by nannid
Mon Jul 11, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 1099 vs. W2
Replies: 17
Views: 1639

Re: 1099 vs. W2

I think in a 1099 vs W2 , the job security depends a lot on the field you are in. In my area - Fed govt contracting, there are lots of people who do work on a 1099 . Since the contracts are generally long term ( think 10 -15 yrs ) , the job security is almost the same as a W2 for that period of time...
by nannid
Sat Jul 02, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: looking for some data on my investments
Replies: 3
Views: 478

looking for some data on my investments

Hi, I have all my investments at Vanguard - split over IRAs and a taxable account as well as a custodian account with my child. Is there an easy way for me to find out how much money I have put in ( not including any dividends ) over the past 15 years or so in each account? I know I can select the d...
by nannid
Tue Apr 26, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 4760

Re: Have any of you overextended on housing? What were your experiences?

Buying a house is extremely stressful especially in a market where inventory is really low and you have to make quick decisions and prices have risen so much in the last 3 years ( like mine ) I kept getting out-bid during my search so I just "over-extended" myself. Mainly, for school distr...
by nannid
Wed Apr 20, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doing?
Replies: 1
Views: 516

How am I doing?

Hello all , I need a realistic opinion on how I am doing and what I could do better. I have just started reading this forum and am overwhelmed by how careful and responsible people are . Currently separated with a child. I make about 150,000 a year working remotely (1099 , so no taxes withheld /no b...
by nannid
Fri Apr 15, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: help with rollover 401
Replies: 2
Views: 215

help with rollover 401

I currently have $322K in Vanguard's Target retirement 2035 funds( IRAs ) I am 44 yrs old . I recently switched employment and have $74K with Fidelity in my old 401K which is also in a Target fund. Easiest seems to be to just roll it over to my existing Target fund at Vanguard. But I am wondering if...
by nannid
Wed May 26, 2010 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with funds
Replies: 5
Views: 890

Thanks Dave.
by nannid
Wed May 26, 2010 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Help with funds
Replies: 5
Views: 890

Help with funds

Hello all. I am new to this site and need some advice. Hoping one you can help me! I currently own a IRA with Vanguard - in their Target 2035 fund. I also have a old 401K from a previous employer ( about 60K) which I really want to rollover . Its with ML and the expense ratios are high. Any suggesti...

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