Search found 2634 matches

by tomd37
Fri Dec 15, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: US Postal Service Informed Delivery
Replies: 11
Views: 560

US Postal Service Informed Delivery

Does anyone know what has happened to the USPS Informed Delivery system this week? I have not been receiving any email notifications this week nor can I access the system through www.usps.com. :annoyed
by tomd37
Fri Dec 15, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 1898

Re: What are your favorite tax deductions and credits for 2017?

As an elderly couple in excellent health with no adjustments to income, two personal exemptions and zero dependent exemptions, no qualifying itemized deductions, no tax credits of any type, and no other taxes our favorite reduction to income is the Qualified Charitable Distribution. This QCD, which ...
by tomd37
Mon Dec 11, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Card From Employer
Replies: 13
Views: 1344

Gift Card From Employer

Reportable income by recipient and/or business expense by donor? Today I arrived at my local Costco store fifteen minutes prior to the normal opening hour of 10am thinking I could get in early ahead of the crowd to get new reading glasses. Upon arrival I was amazed to see virtually the entire parkin...
by tomd37
Mon Dec 11, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: Contribution to family member's IRA
Replies: 4
Views: 521

Re: Contribution to family member's IRA

Deleted - Did not read initial post correctly. Sorry
by tomd37
Sun Dec 10, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1627

Re: Best Parmesan Cheese for Salad

FB01 - I shop at Publix supermarket and they carry it.
by tomd37
Sun Dec 10, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate
Replies: 5
Views: 1564

Re: Navy Federal CU Special Certificate

Have seen some other good offers, but for this 15-month time period and APY I have not found anything better yet..... :moneybag
by tomd37
Sun Dec 10, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1627

Re: Best Parmesan Cheese for Salad

:thumbsup to the Pecorino Romano. Very tasty even in some of my wife's excellent homemade soups
by tomd37
Sat Dec 09, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2352

Re: What MPG App Do You Use To Track Fuel Usage ?

For the past thirty years I have kept an "At-a-Glance" Auto Record in each of my two cars. I record the information each time I purchase gasoline (only once a month now) in each car and keep a separate Excel spreadsheet on all other expenses. As an interesting matter, to me at least, we purchased a ...
by tomd37
Sat Dec 09, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6039

Re: Best vehicle for seniors?

ssquared - Toyota Venza is no longer available. Went out two or three years ago. Mine is seven years old with 35,000 miles. Easy to get in and out of but backing up visibility to the rear is terrible. I miss my old VW Passat pure wagons
by tomd37
Thu Dec 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1585

Re: sharing cost of tree cutting

It is my understanding he has the right to cut any limbs that reach over his property line. Whether or not his trimming will be of such standards so as not to impact the appearance and quality of your tree is yet another question.

Solution - Split the cost and get a proper job done.
by tomd37
Wed Dec 06, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2285

Re: Holiday Tipping

Luckywon - The pay I refer to is $26K annually.
by tomd37
Wed Dec 06, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Worth it to Amend incorrect CPA prepared tax returns?
Replies: 33
Views: 1844

Re: Worth it to Amend incorrect CPA prepared tax returns?

Panhead - Look at the wording of the 1040 signature section "Under the penalties of perjury, I declare that I have examined this return and accompanying schedules and statements, and to the best of my knowledge and belief, they are true, correct, and accurately list all amounts and sources of income...
by tomd37
Wed Dec 06, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2285

Re: Holiday Tipping

I do tip the three workers on the truck of my privately owned trash collection company (as opposed to a municipal collection) usually $25 to $30 each. I am retired so I am available to present the cash personally rather than leaving it on the trash container (for others to come by and take while sti...
by tomd37
Mon Dec 04, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate
Replies: 5
Views: 1564

Re: Navy Federal CU Special Certificate

FriarJ,
Once again we are very similar. Our two 3% 5-month certificates mature on 12/31. Was hoping for a similar offering sometime this month but it does not now appear that way.

Fair winds and a following sea my friend.
by tomd37
Mon Dec 04, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate
Replies: 5
Views: 1564

Navy Federal CU Special Certificate

Just noticed on the NFCU website that effective today they are offering a Special 15-month Certificate (Share Only) with a $50 minimum deposit and $50,000 maximum with additional deposits allowed at any time, subject to the maximum balance. The APY is 2.25% According to my records in December of las...
by tomd37
Thu Nov 30, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Online Access This AM
Replies: 1
Views: 229

Re: Vanguard Online Access This AM

Sorry for the post. After five minutes of trying to access it I now have access. :?
by tomd37
Thu Nov 30, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Online Access This AM
Replies: 1
Views: 229

Vanguard Online Access This AM

Is anyone having problems accessing their online account this morning? I cannot access mine.
by tomd37
Sun Nov 26, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Removing stains from outdoor masonry
Replies: 6
Views: 379

Re: Removing stains from outdoor masonry

Is that "Karcher"? If so I would agree that's a good one for that type of work.
by tomd37
Sat Nov 25, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Furniture
Replies: 22
Views: 1850

Re: Furniture

We have a couple of major pieces of Ethan Allen "Classic Manor" dining room furniture sitting downstairs right now that were purchased in 1967, the second year of our marriage. Except for the fact they are no longer in style by today's desires, nobody would guess they are fifty years old. We have mo...
by tomd37
Thu Nov 23, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2615

Re: Honda CR-V vs Subaru Outback

Is anybody reading the recent posts about the Subaru windshield issues (breaking easily when Eye-Sight option installed). Something with that windshield is making them much more vulnerable to rock damage (breaking them). :thumbsdown
by tomd37
Wed Nov 22, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any need for professional tax preparer?
Replies: 14
Views: 1468

Re: Any need for professional tax preparer?

Dogbreath - It sounds as if your tax return is pretty straight forward and that you will be using the standard deduction, unless of course your itemized deductions exceed your standard. As mentioned by pshonore the only area of concern might be as to whether or not either of you made contributions t...
by tomd37
Tue Nov 21, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2902

Re: LED Lightbulbs - Recommended Brands

Which of the major stores carry Phillips or Cree please? Or is it better to buy online?
by tomd37
Mon Nov 20, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2902

Re: LED Lightbulbs - Recommended Brands

I strongly support the comments made by Erwin007. I too am now using Costco's Feit LEDs over our bathroom vanities and have had them burn out all too quickly. :thumbsdown However the original Cree LEDs lasted five years in comparison with the Feit bulbs and they are turned on and off many times. I a...
by tomd37
Fri Nov 17, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services/Portfolio Review
Replies: 45
Views: 3530

Re: Vanguard Personal Advisor Services/Portfolio Review

Rivercity - Regarding the inherited stock and the possible capital gain tax if sold....isn't the value of that stock revalued as of the date of death of the previous owner last year? Even if sold in one year or less I believe it would be considered a long-term capital gain thus possibly reducing the...
by tomd37
Fri Nov 17, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard adding do-it-yourself QCD screen to website
Replies: 1
Views: 499

Re: Vanguard adding do-it-yourself QCD screen to website

I am very interested in this subject of QCDs and will keep an eye out for their information. Would appreciate someone posting here when and if they see it.
by tomd37
Thu Nov 16, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8834

Re: Has used furniture dropped in value dramatically?

As a member of the generation after "The Greatest Generation" I think we are referred to as "The Silent Generation" at age 81. I think many of us might have safety concerns when listing "stuff" for sale somewhere and having people come to and into our homes to view and possibly purchase items. Is th...
by tomd37
Tue Nov 14, 2017 3:44 pm
Forum: Forum Issues and Administration
Topic: How to Follow a Post
Replies: 9
Views: 924

Re: How to Follow a Post

The box next to my "post reply" button on my screen is blank but when I click on that blank box it brings up what we are looking for. Thanks for all the help.
by tomd37
Tue Nov 14, 2017 2:37 pm
Forum: Forum Issues and Administration
Topic: How to Follow a Post
Replies: 9
Views: 924

Re: How to Follow a Post

Da5id, Where is the little wrench dropdown menu? It is not anywhere on my screen. It seems to me that there was a place at the bottom of a post, as late as yesterday, where you could subscribe or unsubscribe but it is not there today. Before you reply please look at your screens and see if everythin...
by tomd37
Tue Nov 14, 2017 1:22 pm
Forum: Forum Issues and Administration
Topic: How to Follow a Post
Replies: 9
Views: 924

How to Follow a Post

I don't see a way to follow a particular post. Is there a way and is it working today?
by tomd37
Thu Nov 09, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4242

Re: How old are you and what size is your portfolio?

I'd like to see the moderators lock this as I see it as not serving any beneficial purpose :annoyed
by tomd37
Wed Nov 08, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: RMDs – Best time to take during the year?
Replies: 12
Views: 1516

Re: RMDs – Best time to take during the year?

I have been doing as Sport mentioned, taking my first RMD as a QCD in September and then taking the remaining balance of the RMD in October or November. I calculate what percentage of that remaining RMD is needed to be withheld for federal tax purposes so that my total federal tax withheld from all ...
by tomd37
Mon Nov 06, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: The power of cancellation
Replies: 15
Views: 2655

Re: The power of cancellation

While not on the specific subject of Sirius XM subscriptions, I have a number of magazine subscriptions for which I maintain a simple spread sheet with name of magazine, subscription length and dates, amount and date paid, method of payment, and contact telephone number (800 #). I never reply to the...
by tomd37
Sun Nov 05, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 3
Views: 248

Re: Charitable Contribution from IRA

If you are 70.5 or older on the day of the QCD from your traditional IRA you can claim that QCD amount as a reduction to your income on line 15 of Form 1040. The total amount of your distribution from your IRA will be reflected on your Form 1099-R and it is up to you to report the distribution corre...
by tomd37
Tue Oct 31, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 784

Re: Credit Report; best method

Yes I do alternate recipients of the report every two months.
by tomd37
Tue Oct 31, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 784

Re: Credit Report; best method

Learning Head - Our two reports contain the same reported information when compared with each other.
by tomd37
Tue Oct 31, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 784

Re: Credit Report; best method

As a married couple I submit a request for a credit report every two months to the three major reporting firms; the first six months I request a report under my name and SSN and then the next six months I request a report under my spouse's name and SSN. That way we have an updated report every two m...
by tomd37
Sun Oct 29, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting Tax Liability - Assistance Required
Replies: 30
Views: 1767

Re: Projecting Tax Liability - Assistance Required

Depending on your state situation you might also have a deduction for "personal property tax" paid. For example, I used to live in NC where we had an annual personal property tax levied on the current value of our automobile as determined by the state. Each year that amount would reduce as the autom...
by tomd37
Thu Oct 26, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Help finding suitable neighborhoods around Raleigh/Durham/Chapel Hill
Replies: 16
Views: 1337

Re: Help finding suitable neighborhoods around Raleigh/Durham/Chapel Hill

That's a very large area you are talking about and you really need to narrow it down to obtain some decent responses. My guess is that you need to concentrate on the Raleigh area and it closely surrounding towns. Chapel Hill and Durham are about 23 miles distant.
by tomd37
Sun Oct 22, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4022

Re: Revised Version The Little Book of Common Sense...

Book was delivered this morning (Sunday) via USPS.
by tomd37
Thu Oct 19, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4022

Re: Revised Version The Little Book of Common Sense...

Just received email update from Amazon yesterday. Estimated delivery date is now October 25th.
by tomd37
Wed Oct 18, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2611

Re: Credit scores fell this month a lot for no reason

I can see how a zero utilization rate is possible on credit cards. The amount of your monthly bill when issued is what is reported on credit reports. You can arrange to pay that amount on the same day as your bill is issued and you could then have a zero balance and utilization rate. I charge virtua...
by tomd37
Mon Oct 16, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4022

Revised Version The Little Book of Common Sense...

According to an email just received from Amazon the release of the revised version of The Little Book of Common Sense Investing..... is delayed another month.
by tomd37
Fri Oct 13, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5394

Re: Outback Vs Forester Vs CR-V ??

Concerning the two Subaru models, Planet Subaru in Hanover, MA has a great online comparison of the two 2018 models with many details and comments. I went to Google and entered 2018 Subaru Forester vs. Outback. I am considering both but then happened to hear about the new 2018 Buick Regal TourX whic...
by tomd37
Thu Oct 12, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Deducting State Sales Taxes
Replies: 11
Views: 4228

Re: Deducting State Sales Taxes

Scoobydo, I realize your post was made back in 2008, but it is referenced in a current post on deduction of state and local sales tax. The original post made mention of claiming tax paid on airline tickets. That is an excise tax and cannot be claimed as a state and local sales tax for deduction on S...
by tomd37
Thu Oct 12, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 27
Views: 3934

Re: Standard Sales Tax Deduction is Miserly -- here's my way

The 2016 version of IRS Pub 17 (2017 version not yet released), pages 152-153 discusses state and local general sales taxes deductions. Included therein is a definition of motor vehicles. My interpretation of that section and the list therein indicates a motor vehicle is something that actually has ...
by tomd37
Wed Oct 11, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 27
Views: 3934

Re: Standard Sales Tax Deduction is Miserly -- here's my way

When I checked with my state department of revenue I was told unless there was such a statement in your contract, you could not claim the sales tax paid by the contractor. I follow this guideline when doing when doing volunteer tax preparation services unless the contract states such as previously c...
by tomd37
Tue Oct 10, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 27
Views: 3934

Re: Standard Sales Tax Deduction is Miserly -- here's my way

Just a reminder on sales tax deduction. It is my understanding that on a remodeling/renovation job you can take the sales tax deduction for the material purchased only if you purchased the items yourself. You cannot do so if the contractor bought the material and then invoiced you. In that case he p...
by tomd37
Sat Oct 07, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7937

Re: Do you want your receipt?

I live in a state where I can, under current federal tax law, deduct state and local sales tax on Schedule A in those years I choose to itemize deductions on my federal tax return. We purchased a new car in 2018 so that alone will add $2,700+ to my other state sales tax paid total. I charge virtuall...
by tomd37
Mon Oct 02, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6616

Re: Are credit cards rewards worth it?

I have seen numerous references in the past year to a sign-on bonus for getting new credit cards and it appears a number of people do this to get that additional free money. But I question the impact of such activity on their credit scores. Those credit scores impact many other ongoing life situatio...
by tomd37
Mon Oct 02, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6616

Re: Are credit cards rewards worth it?

I sometimes question some of the responses I read about cash rebate cards. If one receives an annual cash rebate of $2,500 using a 2% cash-back card that means charging $125,000 annually that card. Under what conditions would a person make personal charges of $125,000 to a credit card to obtain such...