Search found 463 matches

by verbose
Tue Apr 18, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 874

Re: Droopy sun-visor on honda civic

Certain Honda Civics had sun visors recalled. Check to see if you can get a free fix from your local Honda dealer.
by verbose
Fri Apr 14, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 52
Views: 4048

Re: Car Breaks Down on Long Road Trip

We've had this happen twice (two different cars, years apart). First time, tire blow-out in the middle of rural Illinois in sight of nothing but highway and fields. We didn't even know where we were (pre-smart phone era). The wrench included with the van bent and we couldn't get the lug nuts off. We...
by verbose
Mon Apr 03, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Reminder: Keep an eye out for false credit card charges
Replies: 21
Views: 1732

Re: Reminder: Keep an eye out for false credit card charges

United Way of Youngstown and the Mahoning Valley

https://www.ymvunitedway.org

Yes, this is an odd theft--giving stolen money to charity. Could be a typo credit card number? You'll probably never know.
by verbose
Mon Mar 20, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18250

Re: gratuitous homeownership items

We had our house built and the following are frequently-used and NOT gratuitous: - Jetted tub in master bath, used daily - Formal dining room, so many memories here of parties and special family dinners - Gas fireplace, the cats love it more than anyone else, it doesn't heat the house, but it's a pi...
by verbose
Fri Mar 10, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2211

Re: wife in car accident - next steps?

We have $12.5k in emergency fund but I really don't want to dip into that. This scenario qualifies as an emergency. It's exactly why you have the emergency fund. If you roll the $4k into another car (not even sure if that's possible), then you are driving another upside-down car. Unlike homes, car ...
by verbose
Thu Mar 09, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5548

Re: 2017 Honda Civic not recommended by Consumer reports

In my experience, even when a Honda has issues, they stand behind their product often extending warranties, issuing technical bulletins and the like. They do. My 2008 Civic has had two issues that were not expected maintenance items: the sun visor split and the engine block leaked coolant. Honda fi...
by verbose
Tue Mar 07, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4334

Re: Dispute with neighborhood association

I had no luck with my HOA when something similar happened to me. I mailed the HOA a check to their designated payment address on-time but they reported that they never received it. Obviously, I have no idea at which point this letter was lost as the check never surfaced. I had assumed that they were...
by verbose
Sun Mar 05, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3522

Re: Where do you order checks from?

I write at least 10 checks a month for various reasons. So saving money on checks is important to me and I usually buy 4 boxes of checks at a time. Recently I shopped for checks and I was dismayed that true price-shopping is quite difficult. The "handling fee" is not disclosed until one ha...
by verbose
Sat Feb 25, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Documentation for non-cash charitable contributions
Replies: 1
Views: 268

Documentation for non-cash charitable contributions

I'm thinking of doing a better job of documenting non-cash charitable contributions I make this year so that I can deduct them next year. We itemize deductions every year and are already deducting cash charitable contributions, which are all properly documented. However, I've been so flummoxed by ho...
by verbose
Sun Feb 19, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1443

Re: Is it worth filing an amended tax return?

My dh main concern now is that the return is not correct and the IRS will notice. It does not have any impact on our state return. It seems very unlikely the IRS will notice or care. Even when a qualified dividend is reported as such on a 1099, it might not be qualified for you. Your stock position...
by verbose
Thu Feb 16, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3548

Re: Anxiety about buying used car

Thanks for all the replies. I will respond to a few points: - I probably should consider a new car. I've only bought a new car once in my life and it was an overpriced lemon that continued to manifest manufacturing defects well past the warranty period (2001 VW New Beetle). We felt that it was a was...
by verbose
Thu Feb 16, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3548

Re: Anxiety about buying used car

I have smoked in my car occasionally and it does not leave any trace of cigar smoke odor after 2 trips. That being said, my neighbor had the same request as you for some reason, and they found (may be outdated) that looking to see if the cigarette lighter on the car has ashy/burnt coils was a good ...
by verbose
Thu Feb 16, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3548

Anxiety about buying used car

I will be in the market for a used car later this year. My teen has a learner's permit and hopefully will get her license in late fall when she's old enough to take the test. Since the teen attends a nearby private school without bus service, we are eager for her to have a vehicle. I'm going to let ...
by verbose
Wed Feb 08, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1215

Re: Reporting "Attendance Grant" on taxes

Yes you can. Ok. But I still have to report the $500 as "Other Income," correct? And I will only get a deduction for form 2106 if all of my expenses exceed 2% of AGI? (I leave line 7 blank as the reimbursements were NOT from my "employer," correct?) Thanks! Yes, and you have to ...
by verbose
Wed Feb 08, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Reporting "Attendance Grant" on taxes
Replies: 18
Views: 1215

Re: Reporting "Attendance Grant" on taxes

It looks to me like this is Line 21 (1040) "Other Income" from a not-for-profit activity. I believe you could deduct the travel expenses as unreimbursed employee expenses, but only if you itemize.

A 1099-MISC is only required to be issued when the payment amount is at least $600.
by verbose
Tue Feb 07, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Replacing carpet for whole house... or other options
Replies: 16
Views: 1330

Re: Replacing carpet for whole house... or other options

We had builder-grade carpet installed in our home nine years ago. We upgraded the carpet during selection, but it still didn't last--primarily stains that never come out, even with prompt removal attempts and regular professional cleaning. According to other carpet installers, our carpet was not str...
by verbose
Mon Feb 06, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Car totalled. Need advice on which insurance company to file a claim?
Replies: 30
Views: 2005

Re: Car totalled. Need advice on which insurance company to file a claim?

You may have no choice but to file a claim with your own insurance. The taxi company has a commercial policy, and if you weren't given the insurance contact information, then you may not be able to find it on your own. I was hit by a school bus a few years ago, and the bus was clearly at fault. The ...
by verbose
Mon Feb 06, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Craigslist vehicle sale worth the risk?
Replies: 30
Views: 2498

Re: Craigslist vehicle sale worth the risk?

Before Craigslist was a thing, I sold cars by placing ads in the classified section of the local newspaper. We were selling a 92 Honda Accord in very good condition. The first person who looked at it (who I will call "crazy-lady") offered to buy it. We accepted the offer and she was going ...
by verbose
Sat Jan 28, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Car Guy question
Replies: 61
Views: 6186

Re: Car Guy question

Maybe just get used to "driving naked"? I grew up watching my dad buy older cars and figure things out when they broke, and with one "new car bug" exception (and we managed to buy a lemon, never doing that again), I've done the same. Find a good mechanic. Expect that finding a go...
by verbose
Thu Jan 26, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: iPhone: Are Apple Maps as good as Google Maps?
Replies: 30
Views: 3106

Re: iPhone: Are Apple Maps as good as Google Maps?

I use Google maps on my iPhone whenever I can. The driving directions, especially lane usage, are better. And in urban areas, the lane usage details are critical. Apple Maps also doesn't time the turning instructions well when there are multiple turns very close to one another. Apple Maps sent me on...
by verbose
Thu Jan 26, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 7991

Re: Products to cope with other drivers' LED headlight

So this statement I'm about to make is based off conjecture and I can't prove it. It is good general eye car advice however. HID lights are blueish. Blueish lights also emit ultraviolet If you wear glasses or contacts, have you considered wearing a pair with UV block in the lenses? It may, but not ...
by verbose
Tue Jan 24, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2158

Re: Amazon Phishing Email after Order

I get Amazon phishing emails and I make numerous Amazon orders. I don't think they are related.

One recent phishing email gave me a chuckle. The email said there was a problem and so Amazon had "cancelled all the recently ordered stuffs." :P
by verbose
Mon Jan 23, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Free Fillable Forms Limitations
Replies: 0
Views: 384

Free Fillable Forms Limitations

I'm trying to use Free Fillable Forms, which opened today. I have three dependent-care providers to report on Form 2441. When FFF started, they used to list more than two providers as a "known limitation." That limitation disappeared from the list several years ago (but I've not had more t...
by verbose
Mon Jan 23, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 60
Views: 6298

Re: When to proactively replace water heater

OP update: We attempted to drain sediment out of this water heater a few months ago. A little bit came out, but mostly the water ran out clear. The water drained very slowly. We drained the entire tank (twice) and it took about an hour and a half for each draining. There was just one point where a c...
by verbose
Mon Jan 23, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Bank is behind online, new bank?
Replies: 21
Views: 2504

Re: Bank is behind online, new bank?

OP update: After several months of procrastination, I did some research online and selected a new bank. Online reviews of banks are uniformly awful. Apparently the only people who review banks are those who have had a problem with them. Almost every bank review starts, "Don't do business with X...
by verbose
Mon Jan 23, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 7991

Re: Products to cope with other drivers' LED headlight

Update from OP, problem solved: It's been several months now and the blue-blocking lenses are helping tremendously--enough that I can consider this problem solved. I suspect the blue light is a migraine trigger for me. I can still tell that HID lights are brighter, and some are still obnoxious (I'm ...
by verbose
Thu Jan 19, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 3275

Re: Never had a credit card, should I get one?

I've been reading this thread with interest. I just thought I'd add my two cents about living without credit cards. We also found Dave Ramsey and have no credit cards. At that time, we had revolving credit card debt paid off every month. We had so little cash in the checking account that we relied o...
by verbose
Tue Jan 17, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect address on 1098 Mortgage Interest Statement
Replies: 3
Views: 624

Incorrect address on 1098 Mortgage Interest Statement

I just received my 2016 1098 from Chase (became available online yesterday). The mortgage is secured by our primary (only) residence. The 1098 for 2016 has more information on it than in previous years. https://www.eidebailly.com/industries/financial-institutions/form-1098-mortgage-interest-statemen...
by verbose
Tue Jan 10, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Time to break the analysis paralysis
Replies: 12
Views: 1788

Re: Time to break the analysis paralysis

Thanks so much to all the posters, especially Duckie. I have completely implemented the new allocation using Duckie's recommendations. (I just wanted to let you know that I actually made changes instead of just thinking about them.) I had to use Investor (not Admiral) shares in the Roth IRAs, but th...
by verbose
Tue Jan 10, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes with $0 income with a dependent?
Replies: 29
Views: 2344

Re: File taxes with $0 income with a dependent?

Your friend may be eligible for the additional child tax credit and receive a "refund" even though she paid no taxes. She should definitely file if this is the case.
by verbose
Mon Jan 09, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: kiddie tax
Replies: 20
Views: 2102

Re: kiddie tax

http://www.forbes.com/sites/troyonink/2015/11/30/2016-kiddie-tax-rates-rules-and-ways-around-it/#4c0d52423c31 This article from Forbes provides a bit of a summary. Key points: In 2016, the only way that college students under age 24 will be able to avoid the kiddie tax is if they provide over half ...
by verbose
Mon Jan 09, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA income questions
Replies: 4
Views: 573

Re: Roth IRA income questions

See IRS publication 590-A. You have to compute your modified AGI, which includes some foreign earned income.

https://www.irs.gov/pub/irs-pdf/p590a.pdf

Complete Worksheet 2-1 on page 42 of the above publication.
by verbose
Thu Jan 05, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime shipping to post office for pickup?
Replies: 18
Views: 1825

Re: Amazon Prime shipping to post office for pickup?

This is typical USPS behavior and you should complain to USPS for not leaving you a pick-up card, though I doubt it will do much good. Most of our packages are actually delivered, but we had one held at the post office recently. We didn't know it was there and didn't receive a card, but when we went...
by verbose
Sun Jan 01, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Time to break the analysis paralysis
Replies: 12
Views: 1788

Re: Time to break the analysis paralysis

ruralavalon wrote:Are either or both of you eligible for a significant pension?


No, we expect no pensions at all. Thank you for your detailed post. I now feel more confident about contributing to the pre-tax 401k.
by verbose
Sun Jan 01, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Time to break the analysis paralysis
Replies: 12
Views: 1788

Re: Time to break the analysis paralysis

Thanks for the replies. I will be reviewing the replies next to my portfolio and post an update of how I am going to implement this. Yes, I should move back to 70/30. Thanks for reminding me how aggressive 80/20 is. Year-end bonuses just showed up and that doubled the E-fund, but it still needs some...
by verbose
Thu Dec 29, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Time to break the analysis paralysis
Replies: 12
Views: 1788

Time to break the analysis paralysis

This has been on auto-pilot (or analysis paralysis, however you look at it) for years now. I want to simplify the portfolio and make sure that everything I'm doing is being done for a reason that I understand, rather than a half-baked idea I had several years ago. Emergency funds: $5k (about one mon...
by verbose
Wed Dec 28, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8761

Re: Remember what it was like before the recession?

I remember re-financing my mortgage twice in one year. I don't even remember if there was an in-person closing on the second refi, it might have been all by mail? We had a home equity line of credit on a house bought with a 5% down payment in 1998 in an LCOL area. That's some crazy appreciation. Als...
by verbose
Wed Dec 21, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA: payment date or date of service?
Replies: 3
Views: 416

Re: Dependent Care FSA: payment date or date of service?

Prepaid expenses are treated as having been paid in the year the care is provided. So the 2016 payment would be included on Form 2441 for tax year 2017, when it's treated as it if were paid in 2017. I believe this applies to FSA's as well. The dependent care FSA has to be reported on Form 2441, wher...
by verbose
Tue Dec 13, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gain Harvest and Cost Basis Method
Replies: 0
Views: 322

Capital Gain Harvest and Cost Basis Method

I am going to capital-gain-harvest in my minor child's UTMA before the end of this year. Withdrawals for the minor will not be started for about three years, and the minor is six years from having access to the funds. The UTMA is entirely invested in Vanguard LifeStrategy Moderate Growth (VSMGX) and...
by verbose
Thu Dec 08, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 7991

Re: Products to cope with other drivers' LED headlight

OP here, I had a new eye exam. I have the very beginnings of cataracts, but the optometrist said they shouldn't be affecting my vision yet. She felt the history of migraines was more relevant. But I did get new glasses, same prescription, with "blue-blocking" lenses. These are different fr...
by verbose
Wed Dec 07, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7517

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

Child #2 was an airplane nightmare. We adopted him internationally, so his first flight was flying home . I don't know how the few weeks of "parenting" we had given him was supposed to work at controlling his behavior (it didn't). And we certainly couldn't "leave him at home ." ...
by verbose
Wed Dec 07, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7517

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

Temperament is everything with flying toddlers. While parenting is important, I don't believe that the results of parenting are apparent during early toddlerhood. It's still "baking." My first child was a dream flyer. I don't remember a single incident of crying or seat-kicking. She starte...
by verbose
Mon Nov 14, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 7991

Re: Products to cope with other drivers' LED headlight

I will look into auto-dimming mirrors. My husband's car has those, I can drive it a bit to test it out, as long as I don't ruin the clutch. I am in my mid-40's and have a long history of light sensitivity and migraines. It's unlikely to be cataracts. My vision hasn't changed--headlights changed. Sev...
by verbose
Mon Nov 14, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 7991

Products to cope with other drivers' LED headlight

I'm having severe difficulty coping with LED headlights. The end of daylight saving time has made it clear how many more cars have LED lights than last winter. I am considering giving up night driving, except that I literally cannot do so. I have no alternative. There is no way that I am a safe driv...
by verbose
Tue Aug 30, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank is behind online, new bank?
Replies: 21
Views: 2504

Re: Bank is behind online, new bank?

One prior online-only bank's refusal to provide basic bank services delayed a mortgage refinance by two months and almost forced us to start over. The bank was asked for a "mid-month" statement to verify that money I had transferred in there was really there. They said "we don't do th...
by verbose
Tue Aug 30, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bank is behind online, new bank?
Replies: 21
Views: 2504

Bank is behind online, new bank?

My checking and savings account are with a regional bank. We've been very happy with the bank locations, ATMs, branch services, and account features. The interest rate is peanuts, but that's typical today. I think I might make more money finding change on the ground than I do in interest these past ...
by verbose
Sun Aug 21, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 14317

Re: The True Cost of Owning a Dog

But I was tracking dog and cat expenses separately. Simply feeding our healthy Labrador retriever blew past the cat's medical expenses, not to mention the dog's preventive vet bills, boarding costs and grooming (about $40/month for the dog), training, and a succession of leash-like devices designed...
by verbose
Thu Aug 18, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 14317

Re: The True Cost of Owning a Dog

My husband complained once about how expensive our diabetic cat was. The cat required us to have a supply of insulin ($30/yr), syringes ($10/yr), and quarterly vet visits for blood sugar testing ($160/yr, just for blood sugar tests). Other than that, all we needed for the cat was dry cat food and an...
by verbose
Fri Jul 29, 2016 5:03 pm
Forum: Investing - Theory, News & General
Topic: Covered call scam
Replies: 10
Views: 1957

Re: Covered call scam

I don't see any scam here, except that your FA has you in investment options that you don't understand. You haven't disclosed commissions and fees, so we don't know if those are out of line either. The OCC (Options Clearing Commission) handles assigning exercised shares for the entire options market...

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