Search found 2192 matches

by rec7
Mon Dec 11, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Selling an active fund to go into index funds and the ACA
Replies: 2
Views: 283

Re: Selling an active fund to go into index funds and the ACA

It is a good active fund I am just trying to lower my taxes and ACA.
by rec7
Mon Dec 11, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1035

Re: Upside Down On Vehicle

I think they all drop like that. The key is to keep it until the wheels fall off. Try to keep it until it is 10 years old or older. It is what it is, no need to think about it any more. Just be happy you are upside down ON the vehicle, not upside down IN it. I'm not the OP but I see your point.
by rec7
Mon Dec 11, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1035

Re: Upside Down On Vehicle

I think they all drop like that. Remember they do not build all these nice dealerships by selling cars at cost. The key is to keep it until the wheels fall off. Try to keep it until it is 10 years old or older.
by rec7
Mon Dec 11, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Selling an active fund to go into index funds and the ACA
Replies: 2
Views: 283

Selling an active fund to go into index funds and the ACA

I guess I have a good and bad problem. My active funds kicks off enough money to put me about 3k under my ACA limit of 400%FPL So I can take about 3k of gains every year. The problem is it is going to take a long time to get moved over to index funds that way. I am also taking dividends and capital ...
by rec7
Sun Dec 10, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ACA problem
Replies: 7
Views: 779

Re: Help with ACA problem

Buy a fund with large capital gains just before they pay out. I did that one year to get my income up. OAKBX is great for that. You can also buy and hold the fund it is a good one.
by rec7
Wed Dec 06, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?
Replies: 47
Views: 4060

Re: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?

He could put all the money in a no interest checking account. That way he would have all the money and no tax liability. He does not have to spend it. But paying down all his debt is a much better idea. Then he could move on to the no interest checking account if he is so worried about tax liability...
by rec7
Tue Dec 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1539

Re: Running Linux vs Other OS?

I run two computers, both about 10 years old. One is a stock OEM 2008 Dell Inspiron 531, the other is a stock OEM 2008 Dell Latitude D830. The Inspiron started out as a Vista machine that was updated to Win 7 SP1 which was then updated last year to Win 10, which was again updated to Win 10-Creators...
by rec7
Tue Dec 05, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1539

Re: Running Linux vs Other OS?

I run linux mint on my backup computer. I am guessing you could keep a computer running 20 years on linux. That is why I put it on my backup computer that is 10 years old. A lot of computers that go to the trash with age would run linux just fine. Where as windows can run on a computer maybe 8 or 9 ...
by rec7
Mon Dec 04, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Re: Help me understand the ACA Cliff

From what I can tell it looks like a very gradual cliff as your income goes up. When you hit 400% of Federal Poverty Level (FPL), you reach the cliff, and there is nothing gradual about it. I understand now I am not use to financial cliffs. Very tricky when selling funds. I miss the old days when h...
by rec7
Mon Dec 04, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Re: Help me understand the ACA Cliff

OK I ran the numbers again at 48k I was at 122 at 49k it went to 431 for the cheapest bronze. It is a $309 difference. That is a big deal.
by rec7
Mon Dec 04, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Re: Help me understand the ACA Cliff

I have employer sponsored health coverage, but I wanted to see what the cliff looks like in my state. Married couple in NC with no kids, M=43 F=46. Silver plan at $64,900 ~ $300 a month for both. Silver plan at $65,000 ~ over $1100 a month. I am not seeing these big jumps but I am on the lowest cos...
by rec7
Mon Dec 04, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Re: Help me understand the ACA Cliff

Bumping
by rec7
Mon Dec 04, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Re: Help me understand the ACA Cliff

From what I can tell it looks like a very gradual cliff as your income goes up.
by rec7
Mon Dec 04, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Re: Help me understand the ACA Cliff

When I use this link https://www.healthinsurance.org/obamaca ... alculator/
To go from 47k to 48k you lose $132 a year where I live
by rec7
Sun Dec 03, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 21
Views: 1620

Help me understand the ACA Cliff

If one man makes 48k and a second man makes 49k is the difference that much with the ACA?
by rec7
Sat Dec 02, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index
Replies: 10
Views: 981

For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index

I am moving from an active fund to a three fund portfolio index and don't want to pay to much taxes or lose ACA. These are long term gains. I live in Missouri but I don't know if that makes a difference. This is for the year 2017
by rec7
Wed Nov 22, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4794

Re: Best Basic DESKTOP?

This will work great for you. They are built very good. https://www.dellrefurbished.com/desktop ... 87093.html
You can upgrade to windows 10 for free.
PS I am on one right now.
These are office desktops.
by rec7
Tue Nov 21, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 50
Views: 10353

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

onthecusp wrote:
Tue Nov 21, 2017 1:08 pm
The site that was lifted from "Howmuch.net" has a bunch of interesting if questionable comparisons. Good for hours of pondering. :D
Neat site.
by rec7
Mon Nov 20, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10467

Re: What are the things you want to do between 55 and 65?

When our friends, neighbors, and colleagues were all pretty much under age 50, it was very unusual for us to hear of someone dying or becoming disabled due to a medical condition or disease. Once we hit 50, we started to regularly (every year or so) find out that someone in our age group had died o...
by rec7
Mon Nov 20, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1680

Re: What brand of used car - Hyundai vs Nissan?

I bought 2014 Altima from Hertz in June 2015 with 30K miles. Saved me almost $5000 compared to exact same used model at local dealer. I now have 122K miles on the car and only had one minor problem since purchase. Would definitely buy used from Hertz again. (Also own a 2007 Altima with 265K miles t...
by rec7
Sat Nov 18, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5120

Re: My dad's army jacket

I don't understand why there would be any problem. That jacket is about 60 years old. Not like it is the current issue.
by rec7
Sat Nov 18, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

I am just shocked a phone only three years old is unsupported. The phone works great but I guess it would be risky doing banking on it. Google just wowed people by committing to provide full software support for the Pixel 2 for 3 years. Most carriers (the gatekeepers for updates on most people's ph...
by rec7
Fri Nov 17, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: Sharp Aquos with malware

FraggleRock wrote:
Thu Nov 16, 2017 12:24 pm
Throw in trash.
Go to eBay and buy one for $16+ USD.
Link?
by rec7
Fri Nov 17, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Finance Simplicity
Replies: 36
Views: 2006

Re: Finance Simplicity

I read about one man on here that had vanguard and a local credit union. Boy that sounded good.
by rec7
Thu Nov 16, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

I am just shocked a phone only three years old is unsupported. The phone works great but I guess it would be risky doing banking on it.
by rec7
Thu Nov 16, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Have you upgraded the OS? Android phone manufacturers periodically send out wireless software updates to upgrade your phone from Android 4 to 5 and so on. I am seeing that Android 6 is available for your phone. To see if an update is available, go to Settings-->About Phone. There should be an optio...
by rec7
Thu Nov 16, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Have you upgraded the OS? Android phone manufacturers periodically send out wireless software updates to upgrade your phone from Android 4 to 5 and so on. I am seeing that Android 6 is available for your phone. To see if an update is available, go to Settings-->About Phone. There should be an optio...
by rec7
Thu Nov 16, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Is it dangerous to run Android 4.4? How long does an operating system last on a cell phone? Linux OS can last 4 or 5 years is it the same with a phone?
by rec7
Wed Nov 15, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

UniversityEmployee9 wrote:
Wed Nov 15, 2017 10:06 pm
What is it that you think is malware on the phone? How did you come to that conclusion?
androed /PUP.Risktool.Agent.ay malwarebytes says its malware.
by rec7
Wed Nov 15, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2184

I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe

I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe to use?
by rec7
Wed Nov 15, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Recommend Cheap Windows Desktop for TurboTax
Replies: 10
Views: 1243

Re: Recommend Cheap Windows Desktop for TurboTax

Get windows 10 that way you will get a longer life. It is good until 2025.
Here is another one
http://www.microcenter.com/product/4858 ... efurbished

type in Dell OptiPlex 380 windows 10 on ebay they start at $59

I am typing right now on an optiplex.
by rec7
Tue Nov 14, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5387

Re: Keurig died...what now?

Aren't the cups those things use environmental disasters? True but think of all the plastic in your car. That's not good logic. Drunk driving will kill me so I should not give up smoking? Doing X will only save 20 dollars. But I waste 100 dollars here so there is no point? Anyways cars last an aver...
by rec7
Tue Nov 14, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5387

Re: Keurig died...what now?

Aren't the cups those things use environmental disasters? True but think of all the plastic in your car. Do you typically drive your car once and then throw it away? No but think of how many of those it would take to make the plastic in your car? I am guessing it would take years to make the bumper.
by rec7
Tue Nov 14, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5387

Re: Keurig died...what now?

mouses wrote:
Tue Nov 14, 2017 5:46 am
Aren't the cups those things use environmental disasters?
True but think of all the plastic in your car.
by rec7
Sat Nov 11, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4866

Re: Worth changing 40 gal. to 30gal. hot water tank?

I have a 40 and am going to a 30 once mine wears out. I can save about $100 a year. I should have done it a long time ago but I hate to get rid of something that is working. My father once ran a duplex on one 30 gallon tank. Remember the key is timing. Since he lived in the other half. He just note...
by rec7
Fri Nov 10, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4866

Re: Worth changing 40 gal. to 30gal. hot water tank?

I have a 40 and am going to a 30 once mine wears out. I can save about $100 a year. I should have done it a long time ago but I hate to get rid of something that is working. My father once ran a duplex on one 30 gallon tank. Remember the key is timing. Since he lived in the other half. He just note...
by rec7
Thu Nov 09, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1822

Re: Comments on Kia Soul?

Not important at all: 1. Color I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature. Victoria I have always wondered what the safest color for a car was? Have I convinced you? Victoria ...
by rec7
Thu Nov 09, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1822

Re: Comments on Kia Soul?

Safest from a wreck. I don't speed so I don't need to worry about CHIPS.
by rec7
Thu Nov 09, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1822

Re: Comments on Kia Soul?

VictoriaF wrote:
Thu Nov 09, 2017 2:38 pm
protagonist wrote:
Thu Nov 09, 2017 2:30 pm

Not important at all:
1. Color
I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature.

Victoria
I have always wondered what the safest color for a car was?
by rec7
Thu Nov 09, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4866

Re: Worth changing 40 gal. to 30gal. hot water tank?

I have a 40 and am going to a 30 once mine wears out. I can save about $100 a year. I should have done it a long time ago but I hate to get rid of something that is working. My father once ran a duplex on one 30 gallon tank. Remember the key is timing. Since he lived in the other half. He just noted...