Search found 151 matches

by testing321
Sun Jan 07, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 2684

Re: Sling TV experiences

When our Uverse bundle went from $140 to $215 at end of a promotion, we decided to dump it. We went with Time Warner internet for $30 and signed up for Sling. Sling was as good as cable for us, but we soon discovered that it was so easy to give up cable because we weren't watching it much, so we gav...
by testing321
Mon Dec 25, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Samsung J3 or J7
Replies: 21
Views: 1421

Re: Samsung J3 or J7

The J3 has a 5" screen, the J7 a 5.5" screen. Your 5c had a 4" screen. The J7 has the same size screen as a iPhone 6, 7 or 8 plus. The J3 has a 5" screen, slightly larger screen than a iPhone 6, 7 or 8 at 4.7". Otherwise the J3 and J7 have similar specs. One other difference is that the J3 has 5 and...
by testing321
Sat Dec 23, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is Software consulting considered a services business?
Replies: 12
Views: 1273

Re: Is Software consulting considered a services business?

Stormbringer wrote:
Sat Dec 23, 2017 3:41 am
The title "software engineer" has always been controversial but nevertheless is used widely, even by the Bureau of Labor and Statistics. Some states regulate the use of the term "engineer".
Many computer science degrees are granted from the school of engineering.
by testing321
Sat Dec 23, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 123
Views: 7949

Re: Queston about pass through income in new tax law

theplayer11 wrote:
Fri Dec 22, 2017 1:04 pm
I found this extremely helpful
https://www.watsoncpagroup.com/SubS.pdf
I see a huge amount of work ahead for the proprietors of tax software.
by testing321
Wed Dec 20, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48487

Re: Tax Bill Omnibus Thread

I am re-characterizing my work from consulting to engineering.
by testing321
Mon Dec 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5411

Re: Kidde fire extinguisher recall

I received an email today informing me that both of my replacements are backordered. I'm not pleased with the delay in obtaining what I consider essential safety equipment. Imagine having to replace nearly all the product you sold over the last three decades due to a recall.That would be a tough as...
by testing321
Tue Dec 05, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 23342

Re: Prepayment of SALT Taxes? [State and Local]

The due dates for my estimated state tax are the same as for federal tax. I plan to pay my payment for the 4th quarter estimated state tax (due Jan 16) this month so that it can be deducted on my 2017 federal return. I will make a very generous estimate of my state taxes due.
by testing321
Sat Dec 02, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 52
Views: 8930

Re: Facebook's malware scan- legitimate or malware? Invasive?

azurekep wrote:
Fri Dec 01, 2017 8:07 pm
BTW, the new thing that Facebook is considering is requiring people to upload a high quality picture of themselves as a captcha -- if "suspicious activity" is detected.
Could you give them a picture of your dog instead?
by testing321
Thu Nov 30, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Number Asked for use of POA by Credit Card Company
Replies: 14
Views: 1297

Re: Social Security Number Asked for use of POA by Credit Card Company

Check any statements you get for new terms. These usually include an 800 number that you can call to reject the terms. Its a simple robocall menu. If you reject the terms, they will drive a stake through your account so it can never be resurrected under any circumstances
by testing321
Thu Nov 30, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2550

Re: Any websites to help find a great doctor?

I think the secret to getting good referrals is getting a good PCP. Mine is very good at this. Of course, then, the next question is how to find a good PCP.
by testing321
Sun Nov 26, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 3618

Re: Let Go by MegaCorp - Lots of options

The severance package pays out bi-weekly so I would not be able to collect unemployment until my severance is up I was laid off 15 years ago, and at that time was told that the severance wasn't ordinary pay, so that we were able to take unemployment as well. The unemployment wasn't much. I was told...
by testing321
Sun Nov 26, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5411

Re: Kidde fire extinguisher recall

Hrm, my Kidde model number is listed on the recall page, but the following Kidde video says it's not affected because it has a curved handle and horizontal pull-pin: https://www.youtube.com/watch?v=X5Xmh1VmZHo . Guess I'll have to give them a call to find out if it is recalled or not. If in doubt, ...
by testing321
Sun Nov 26, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch wants personal info--How to deal
Replies: 33
Views: 3390

Re: Merrill Lynch wants personal info--How to deal

It is possible that ML intends to put the RMD into a new non-retirement account and they need that information to open this new account. Maybe tell them that you want a check for that RMD instead.
by testing321
Sat Nov 25, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5411

Re: Kidde fire extinguisher recall

TravelGeek wrote:
Sat Nov 25, 2017 6:20 pm
Do they send tracking information when the shipment is on the way, or do they just one day arrive on my porch?
I did not receive tracking information. They just showed up on the porch this afternoon. I was trying to remember what I ordered, then saw Kidde on the label and then I remembered.
by testing321
Sat Nov 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 5411

Kidde fire extinguisher recall

The recall date was November 2, 2017, involving fire extinguishers with plastic handles. These were manufactured by Kidde but sold under various brand names. I had two of these and submitted my information online and today two shinny new fire extinguishers arrived. The old ones are past the EOL, but...
by testing321
Wed Nov 22, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6280

Re: Drive it till it dies. It died.

Actually did a search. Nissan appears to have accepted responsibility for the defective CVT for your car (2003-2010). The warranty was actually doubled to 10 yrs and 120,000 miles. I think when Nissan extended the warranty for their CVT on those cars, that was basically done to help bring back fait...
by testing321
Tue Nov 21, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6280

Re: Drive it till it dies. It died.

The CVTs in Nissans have not been reliable. Check consumer reports, check nicoclub.com. They are now appearing in Toyotas and other makes as well. They have a much shorter life expectancy than previous designs, which makes them risky if buying a replacement from a salvage yard and risky if buying th...
by testing321
Mon Nov 20, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2987

Re: Discover Card Change in Terms

My wife had the same card and she called and asked them to switch it to the Discover It card. 5% on a category that changes each quarter, 1% on everything else. This quarter its 5% at Amazon and Target. If you want to cancel the card, look for an 800 number to reject the new terms and the card will ...
by testing321
Tue Oct 24, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 2733

Re: Attempted theft of bank funds via identity theft

Rupert wrote:
Tue Oct 24, 2017 8:11 am
File a police report, freeze your credit files, and get an IRS PIN before tax-filing season.
And once you get a copy of the police report, I believe that you're entitled to freeze and thaw your credit reports at no cost forever in most states.
by testing321
Sat Oct 14, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issue: Made a mistake on Inherited IRA RMDs for five years
Replies: 40
Views: 3409

Re: Tax issue: Made a mistake on Inherited IRA RMDs for five years

Gill wrote:
Wed Oct 11, 2017 4:30 pm
Take the future withdrawals correctly and don’t look back. You won’t hear from the IRS and the difference is immaterial.
Gill
I second this.
by testing321
Thu Oct 12, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Think I goofed on a recent HSA transaction
Replies: 5
Views: 686

Re: Think I goofed on a recent HSA transaction

For a HSA, it only matters that your withdrawals for a year are less than or equal to your qualified expenses. You can make this happen without putting money back in to the HSA. If you get audited, the IRS would only look at your total qualified expenses and your total withdrawals.
by testing321
Thu Sep 28, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3370

Re: Social Security Question [Social Security Offering Lump Sum]

Did you file and suspend? If so, SS wants to know if you want the benefits that you forwent since you suspended in a lump sum or if you want only the higher annuity payments that you're otherwise entitled to. I'm expecting the same question in a few years and will take the higher monthly payments. S...
by testing321
Thu Sep 28, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Propane Stove For Earthquake Kit
Replies: 24
Views: 1590

Re: Propane Stove For Earthquake Kit

Wow, it seems BBQs are pretty inefficient. Our propane tanks only hold about 1.5 gallons and last about six weeks with the propane stove. I think the grill part is inefficient but the side burner is as efficient as a gas stove. One option if you also have a charcoal grill is to use that for grillin...
by testing321
Wed Sep 27, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2787

Re: Paid off Debt...credit score dropping and future mortgage

One should have credit cards that provide rewards, especially cash-back rewards. Use them and pay them off in full every month. Your credit score will drop if you get new cards, but so what? I agree with this. Good cash back cards are Discover and Chase Freedom (5% on categories that change each qu...
by testing321
Wed Sep 27, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4849

Re: Chrome vs Firefox

I have been using Firefox for years on my Windows PC without issues. I use Chrome on my phone and tablet but have been reluctant to switch on the PC because I of some extensions that I use, AdBlock Plus and No Script. NoScript lets you see a list of websites that are hosting java scripts on the curr...
by testing321
Mon Sep 25, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 9211

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I have had an older primary care doc for the last 14 years that has given me excellent referrals over the years.
by testing321
Thu Aug 31, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3611

Re: Hurricane Harvey relief?

If you're going to donate to the American Red Cross, look for matching donations.
https://www.redcross.org/donate/cm/samsclub-pub
by testing321
Tue Jun 27, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 17305

Re: Sam's Club vs. Costco

We have memberships at both, but we shop at Sam's Club more often. Sam's has some outstanding deals on clothing items that are being discontinued. These items tend to just disappear at Costco. Our Sam's club carries a 1.5 lb bag of Caribou coffee that we like. But it is not carried at nearby Sam's C...
by testing321
Sat Jun 10, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 12899

Re: Jim Rogers predicting "crash of a lifetime" this year or next

His premise is that national debt, consumer debt and corporate debt continue to rise to record levels both in the US and globally, that this is a bubble and will burst and create a financial apocalypse. Well, the debt continues to rise every year and yet there's no apocalypse.
by testing321
Sun Jun 04, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: September vaca in Granby then Breckenridge Col.?
Replies: 6
Views: 880

Re: September vaca in Granby then Breckenridge Col.?

We have made a many trips to the Granby/Winter Park corridor along US highway 40 during the summer. Lodging is constructed mainly for skiers, so there's an over supply during the summer with very low rates. The first time we visited we stayed at the Inn at Silver Creek very close to Granby. There is...
by testing321
Sun Jun 04, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Hire a lawyer to file for SSD?
Replies: 13
Views: 1423

Re: Hire a lawyer to file for SSD?

I have an in-law that became disabled. He applied for SSD and was denied and figured it was a lost cause. He also had disability insurance as a job benefit and filed a claim. The insurance company did not want to pay the entire benefit themselves, so they had their counsel appeal the SSD denial and ...
by testing321
Sat Jun 03, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 3184

Re: Changing Car Cabin Air Filter - after how much time

I changed mine for the first time at 35,000 miles and it looked like the one in the picture above. Now I change it more often. I buy the filter from O'Reilly for $10.50 and it takes me about 5 minutes to put it in.
by testing321
Sat Jun 03, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 5855

Re: Recommendation of Security Cameras for Exterior of House

You can get a fake one with a red blinking light for $5 or $10.
by testing321
Thu Jun 01, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 5224

Bogle: Even indexing can be too much of a good thing

link
I have always wondered about this. ETFs are on auto pilot, and if the vast majority of people are on auto pilot, it could be salad days for active investors.
by testing321
Wed May 24, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 4423

Re: Fidelity customer protection guarantee-void if you use Mint?

I go online to check some of my statements quarterly. I guess that's not enough. Perhaps I should cancel paperless so I will get a statement via snail mail to remind me to check it monthly.
by testing321
Fri May 19, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 10893

Re: Which Small SUV for 15 Year Reliability?

Jack FFR1846 wrote:Don't even get me started on Nissan CVT's.......
Anyone thinking about buying a Nissan should read one of the Nissan forums. Their CVT wasn't designed with the American buyer in mind (drive lots of miles and keep cars for many years). The best forums are at nicoclub.com
by testing321
Thu May 18, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 4480

Re: Homeowner's Insurance & New Roofs

Same thing happened in our neighborhood several years ago. I had State Farm and they sent out an adjuster to inspect our wood roof. I followed him into the attic and he showed me several places where there were you could see daylight. He said the roof and gutters warranted replacement, so I got a ne...
by testing321
Sun May 14, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fee to close credit card?
Replies: 15
Views: 1876

Re: Fee to close credit card?

My preferred method for closing a CC is to wait for a change in terms and then calling the 800 number to opt out. If you do this, the CC can never be resurrected -- its like driving a stake through a vampire.
by testing321
Thu May 11, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Should I switch my home electric bill to "Time of Day" billing?
Replies: 22
Views: 2391

Re: Should I switch my home electric bill to "Time of Day" billing?

We had this type of rate many years ago when we lived in California. We ran the dishwasher and clothes dryer during off peak hours. We has a gas water heater, so that wasn't an issue. Also we lived on the coast where homes didn't need air conditioning, so we made out like bandits. Thanks PG&E.
by testing321
Tue May 02, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Google voice started blocking some phone calls
Replies: 10
Views: 1597

Re: Google voice started blocking some phone calls

Open up the GV app, go to settings and make sure filter calls is turned off.
by testing321
Sat Apr 22, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4558

Re: Best vacuum cleaner for pet hair?

Last time I checked, Consumer Reports had pet hair as one of their rating items.
by testing321
Sat Apr 15, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Tax Refund Being Seized
Replies: 37
Views: 4751

Re: How to Avoid Tax Refund Being Seized

Designate your 2016 over payment to go to next year's estimated tax and then reduce your withholding by an appropriate amount.
by testing321
Tue Apr 04, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2820

Re: Google Voice as secondary number: pros & cons

We are also using GV with a OBI200 box connected to the internet and plugged into a phone jack. It rings all our phones that are also plugged into a jack. The service is just as good as the phone service that we used to have bundled with Uverse except that caller ID only shows the number and not the...
by testing321
Thu Mar 16, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 2337

Re: Looking at refurbished desktop PCs

I just replaced a 10-year old desktop because it was running Vista. I bought a refurbed Dell desktop two months ago from dellrefurbished.com, their leasing division. It came with Windows 7 pro 64 bit. I downloaded the Windows 10 install image from a Microsoft site, burned it to a DVD, went into bios...
by testing321
Wed Feb 22, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here knowledgeable about heating degree days?
Replies: 9
Views: 943

Re: Anyone here knowledgeable about heating degree days?

You can use heating and cooling degree days, but they should be matched to the days that your meters are read. Best way to do this in a spreadsheet is to track high and low temperature on a daily basis and compute cumulative degree days. Cooling degree days are =max(0,(high-low)/2-65). Heating degre...
by testing321
Sat Feb 11, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3848

Re: Preferred "disk cloning" software?

I used HDClone, free addition. It works going from a smaller to larger drive. w I did the following. Download and install software. Shut down computer, open case, remove connectors from DVD drive and plug into new hard disk. Restart computer, run software and clone drive. Shut down computer, hook up...
by testing321
Sun Dec 18, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 12703

Re: Cutting cable cord...

You can get a Tivo Roamio OTA to record OTA tv and it will also allow streaming of Netflix, hulu, and Amazon Prime. It's $15 a month but that's a lot less than cable. We switched a month or two ago. We get 90% of what we had before for $31 a month ($15 tivo, $8, Netflix, $8 Hulu). It's really more ...
by testing321
Sat Nov 26, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 9611

Re: H&R Block Tax Software for 2016

The page linked says you get free shipping with shoprunner. Shoprunner is free if you have a Amex card. https://www.shoprunner.com/americanexpress
by testing321
Sat Oct 29, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: wanting an mp3 player
Replies: 12
Views: 1490

Re: wanting an mp3 player

I have a Sansa Clip and the clip broke after a week, but otherwise, its a good player. It has two modes that you can change in settings. One mode works with programs like windows media player and the other mode makes it more like a flashdrive so that you can use file explorer to copy mp3 files to th...
by testing321
Sat Oct 29, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Where to go for blood tests (w. no insurance)
Replies: 22
Views: 3038

Re: Where to go for blood tests (w. no insurance)

acanthurus wrote:I've never used them myself, but a friend who is type 1 diabetic and a small business owner has had good things to say about DirectLabs. I think he's on an ACA plan now and not sure if he still uses them.
They use Quest Labs, so another good option.