Search found 1490 matches

by RudyS
Sun Apr 21, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 4174

Re: Is Crown Molding Out-of-Style?

Stop watching hgtv. Stop asking if something is out of style. Do you like crown molding? If you like it and want it, get it. Stop being influenced by others. +1 - so important. Develop your own sense of style. I personally don’t like gray which s so popular. Don’t like open concept either. In 20 ye...
by RudyS
Sun Apr 21, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: When to get attorney after car accident?
Replies: 19
Views: 1754

Re: When to get attorney after car accident?

My suggestion is you at the least try for a free initial consultation from an attorney specializing in such things. Based on your post, there are so many present and potential issues that you need to protect yourself. Do not sign anything, and do not give further information other than "I am not sur...
by RudyS
Sat Apr 13, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on Real Estate Sale
Replies: 3
Views: 442

Re: Capital Gains Tax on Real Estate Sale

IRS Publication 17 (available at irs.gov), and sometimes other pubs referenced therein, are a great source of detailed information. If somehow your answer isn't there, please come back and ask again. Sorry I don't know the answer offhand.
by RudyS
Mon Apr 08, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Received offer on house with contingency for prior sale
Replies: 18
Views: 1525

Re: Received offer on house with contingency for prior sale

Update: the potential buyers were able to sell their house, then made me an offer, which I accepted. Thanks everyone for your comments.
by RudyS
Sun Apr 07, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Self-Insurers: How are you planning and investing for old age care?
Replies: 47
Views: 2914

Re: Long Term Care Self-Insurers: How are you planning and investing for old age care?

I don't want to turn this thread into a discussion of CCRCs. One thing that troubles me about CCRCs is that you become locked in to a CCRC once you've bought in, and you can't relocate to a different facility or different area if things change, and some of us want more mobility. Without changing th...
by RudyS
Sat Apr 06, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Extended warrenty for refrigerator
Replies: 18
Views: 859

Re: Extended warrenty for refrigerator

Do you have a credit card that gives you an extended warranty on purchases?
by RudyS
Sat Apr 06, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 6933

Re: What? No Income?

The question is what are you going to do with your time off? Is there something you want to do instead of work? Personally, I thought my goal was to retire early, but figured out I have nothing to do that I like more then my current gig (physician). I like helping folks and the social aspect of bei...
by RudyS
Tue Apr 02, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cross Country Move
Replies: 10
Views: 1108

Re: Cross Country Move

Consider United's SnapMove service. Containers like PODS or ABF, but they do the loading and unloading. And packing, etc., too if you want. We are considering this for a move from Midwest to new England. 3 containers is about $4000. Part of a downsize from 4 BR house to 2 BR apartment.
by RudyS
Tue Apr 02, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Inapplicable W-2
Replies: 6
Views: 286

Re: Inapplicable W-2

I suppose they could issue a "corrected" form showing $1 in wages.
by RudyS
Mon Apr 01, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Received offer on house with contingency for prior sale
Replies: 18
Views: 1525

Re: Received offer on house with contingency for prior sale

Thanks for the more replies. For the record: our house was listed 2 weeks ago. About 10 showings. 2 open houses. This is the only offer. Market is said to be pretty good for sellers of this type/price of house. The cons seem to outweigh the pros right now. We don't need this one to sell before we mo...
by RudyS
Mon Apr 01, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Received offer on house with contingency for prior sale
Replies: 18
Views: 1525

Re: Received offer on house with contingency for prior sale

Wow! Three fast and great comments already! Truth is, I was misled by the statement that the house remains on the market, without me thinking that this will actually impede its marketability. Glad I asked (and that I found you folks a few years ago.)
by RudyS
Mon Apr 01, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Received offer on house with contingency for prior sale
Replies: 18
Views: 1525

Received offer on house with contingency for prior sale

We put our home on the market and received an offer with the contingency that the buyer sell their existing home. This didn't sound appealing at first, but the details don't seem onerous. We are looking for advice. The contingency says that our house remains on the market., If we want to accept a su...
by RudyS
Fri Mar 29, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Lifecare community - worth it?
Replies: 33
Views: 2073

Re: Lifecare community - worth it?

I've posted here previously about CCRCs. We are now planning a move to one. We are 82, 77. It's a non-profit in New England, with a type A contract (although modifications are available). More costly than what OP described, but we think worth it. We got on the wait list 2 years ago, and our turn cam...
by RudyS
Fri Mar 29, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 139
Views: 11949

Re: Are RMDs that bad if you're not an over-saver?

WhiteMaxima wrote:
Tue Mar 19, 2019 4:15 pm
RMD is very bad when folks found it's already too late to do anything. Plan ahead.
Exactly. Wish I had found Bogleheads 20 years ago. Did it even exist then?
by RudyS
Fri Mar 29, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Worth Keeping AMEX Gold Delta Skymiles CC?
Replies: 23
Views: 2974

Re: Worth Keeping AMEX Gold Delta Skymiles CC?

I keep my card because of the baggage check benefit. First bag free, plus, same for anyone else traveling on the same reservation. If I take 2 trips a year and check bags, that pays for the card. If I take one trip and my wife and I each check a bag, same thing. Except for that, I'd let the card go...
by RudyS
Sun Mar 24, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Form 8949 - Sales and Other Dispositions of Capital Assets
Replies: 7
Views: 451

Re: Form 8949 - Sales and Other Dispositions of Capital Assets

speer wrote:
Sat Mar 23, 2019 10:37 pm
Bingo thank you.
This is correct because of the timing (both short term). Otherwise, two entries, one short term and one long term.
by RudyS
Sat Mar 23, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software does name wrong on state return
Replies: 8
Views: 667

Re: H&R Block software does name wrong on state return

Generally, your SSN or ITIN is what matter most than name I saw some people name is so long that field is not able to accept all the characters When they asked IRS they mentioned if your SSN and ITIN are correct, we are good So I guess it wont cause any issue. You can also call them to update if yo...
by RudyS
Wed Mar 20, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: transportation from DFW to Dallas downtown?
Replies: 14
Views: 895

Re: transportation from DFW to Dallas downtown?

Uber works well to/from DFW. Just did that a month ago. Uber cost to northern suburb (Plano) was $35.
by RudyS
Tue Mar 19, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3752

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

None of these will be good for serious hiking or for biking or for dressy restaurants. Also, what will you wear after a rainy day when your shoes are still wet? I would wear real hiking boots on the plane and pack a pair of shoes that look a bit less casual but are still good for walking. My though...
by RudyS
Tue Mar 19, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Uber fraud - what to do?
Replies: 28
Views: 3499

Re: Uber fraud - what to do?

Just 3 rides recently on Uber. Twice the driver closed the ride, I got to leave a rating, and optionally, a tip. The third time, no opportunity on my phone for either. Once I told the driver, he closed the ride, and I could finalize it. So, it is easy to just leave the car even if the ride ended but...
by RudyS
Sat Mar 16, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Alamo Airport Car Rentals
Replies: 9
Views: 869

Re: Alamo Airport Car Rentals

I used the autoslash special advance purchase arrangement a couple weeks ago in Tampa, and provided my National emerald club number. Went to the Emerald aisle and selected a car. The check out clerk had to manually put my club number in, but no other issue. The price was half of the best "regular" p...
by RudyS
Sat Mar 16, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Age for starting kindergarten
Replies: 61
Views: 3662

Re: Age for starting kindergarten

Our son has a Nov. birthday and we were faced with that decision. He was in pre-school and we discussed it with the teacher. He was (still is) very bright. But he had a tough time sitting still and accommodating to the "routine" of school. Ultimately we decided not to push him ahead. Some say we "he...
by RudyS
Sun Feb 17, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 12660

Re: Mega Downsize....

1. Buy new place (smaller) 2. Move (taking only items you want/need) 3. Estate sale and sell house 4. Deposit check from house sale into portfolio This is us! Retired 15+ years ago, now setting up to move to a retirement community. 2200 sq ft down to 1000 sq ft. Exactly that plan. Still need to dis...
by RudyS
Sun Feb 17, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Rental Car Company Preferences
Replies: 26
Views: 1599

Re: Rental Car Company Preferences

I use autoslash.com to research prices. l almost always get Avis, Hertz, or National. Usually I'll check the company's own sites, but they are always more expensive. I'm a member of loyalty programs for all three. So I just go to the aisle for the class I reserved and pick a car, then just go.
by RudyS
Sun Feb 17, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: CCRCs and LTCi
Replies: 9
Views: 547

Re: CCRCs and LTCi

LTCi is not really related to whether or not you're a resident in a CCRC. The policy contract terms will describe the circumstances under which the insurance will make payments, for how much and for how long, and that is usually unrelated to whether or not the insured is living in a CCRC or somewhe...
by RudyS
Sun Feb 17, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2523

Re: CCRCs - problems with the transition process to higher care levels?

Another potential scenario, which happens more than you might imagine, is that administrators push residents into higher levels of care against their wishes in order to free up desirable independent living units for new customers. Check out this article - https://www.sandiegouniontribune.com/lifest...
by RudyS
Sat Feb 16, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2523

Re: CCRCs - problems with the transition process to higher care levels?

Typically, residents in CCRCs receive priority placement in higher levels of care from Independent Living when needed, including to Assisted Living, Rehab (meant to be temporary), and Memory Care. Often, the transition from one level to another is planned as a resident's needs become more apparent,...
by RudyS
Sat Feb 16, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care issues -- quality, accessibility, and tail risk
Replies: 60
Views: 2681

Re: Long term care issues -- quality, accessibility, and tail risk

One more vote for a CCRC, provided you are in good enough health to be able to qualify for the lifecare option (sometimes an option, sometimes it is just part of the deal). That's our plan. BTW, we just today signed on for a CCRC.
by RudyS
Fri Feb 15, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Tax on Husband’s Bonus Check Received the Year After He Died?
Replies: 16
Views: 2836

Re: Do I Pay Tax on Husband’s Bonus Check Received the Year After He Died?

Gill wrote:
Thu Feb 14, 2019 9:14 pm
RudyS wrote:
Thu Feb 14, 2019 9:11 pm
If somehow this goes onto YOUR return, (or even if it doesn't), you can take the special filing status for a recent widow(er). Better than single.
No, she is no longer eligible as she stated in her original post.
Gill
OK. Sorry, I skipped that in the original post. Just looked at the year.
by RudyS
Thu Feb 14, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: IRS "tax refund" for $53 - but we haven't filed yet
Replies: 58
Views: 6165

Re: IRS "tax refund" for $53 - but we haven't filed yet

I volunteer for AARP TaxAide. They are paranoid about getting bank account numbers correct. The counselor checks, the quality reviewer checks, and then the client checks and initials the return copy! Explanation - there once was an instance of a deposit of a refund to an incorrect account, and it wa...
by RudyS
Thu Feb 14, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Tax on Husband’s Bonus Check Received the Year After He Died?
Replies: 16
Views: 2836

Re: Do I Pay Tax on Husband’s Bonus Check Received the Year After He Died?

If somehow this goes onto YOUR return, (or even if it doesn't), you can take the special filing status for a recent widow(er). Better than single.
by RudyS
Thu Feb 14, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why efile if you owe?
Replies: 47
Views: 4392

Re: Why efile if you owe?

E file to avoid input errors.
E file NOW to avoid identity theft.
Mail check by April 15 to collect more interest on your money (or set up ACH for then.
by RudyS
Wed Feb 13, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5615

Re: Best ways to provide STRUCTURE to retired life

Both Kroger and Walmart, and likely others, have a system where you call (or click) in an order, they pick it, and have it waiting for pickup. The idea is you don't leave your car. But the car is not a requirement; as far as I know, you could just walk up with your dog, or bike up, etc. You balance ...
by RudyS
Tue Feb 12, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5615

Re: What Happens If You Ignore Being Served a Lawsuit?

Case59 wrote:
Tue Feb 12, 2019 6:02 pm
I am a lawyer and there is some incredibly irresponsible advice being bandied about on this thread. Do not take legal advice from the internet, except for this advice: Contact a real lawyer, in your state.
I am not a lawyer, but this IS the best advice yet.
by RudyS
Tue Feb 12, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Need help with frequent week-long stays in Boston over next 18 mos
Replies: 68
Views: 3369

Re: Need help with frequent week-long stays in Boston over next 18 mos

The Marriott chain (Residence Inn, etc) as mentioned above is a great option. We find Homewood Suites (Hilton chain) is quite nice too. Free breakfast, and Monday through Thursday afternoons free happy hour (wine, beer, snacks). A research idea - If you aren't familiar with the area, look for some h...
by RudyS
Tue Feb 12, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Payable on death (POD) accounts
Replies: 47
Views: 4299

Re: Payable on death (POD) accounts

Update on my previous post immediately above... My sister took our mother's death certificate to the bank and found them extremely uncooperative. The only thing they would do was cut a check made out to all three of us as beneficiaries. Now we are having to figure out how exactly my sister is suppo...
by RudyS
Tue Feb 12, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring a car that you don’t drive
Replies: 24
Views: 2145

Re: Insuring a car that you don’t drive

Why not just ask an insurance agent? I suggest an independent agent who can check numerous companies, and/or check with the direct writers individually. I had the same thought as epoxyresin, but what do I know?
by RudyS
Tue Feb 12, 2019 2:05 pm
Forum: Personal Investments
Topic: Will this cause an audit ?
Replies: 28
Views: 3212

Re: Will this cause an audit ?

It's a matter of terminology. You might, or might not, get a CP2000 asking for substantiation, but I have had some of those, all easily resolved by sending in a copy of the documentation. I would not call this an "audit." I wouldn't even pay TurboTax for "audit defense" just for this one issue.
by RudyS
Tue Feb 12, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax treatment of loser note?
Replies: 2
Views: 276

Re: Tax treatment of loser note?

LeeMKE wrote:
Mon Feb 11, 2019 11:54 pm
Found it:

IRS 550:
Nonbusiness bad debt
I will report a short term loss on form 8949

Found it on Intuit's TurboTax Q&A website, answering the same situation for another person.
Nice work, and thank you for letting us all know.
by RudyS
Mon Feb 11, 2019 9:22 am
Forum: Personal Investments
Topic: Sell due to Capital Gains or Not?
Replies: 20
Views: 1138

Re: Sell due to Capital Gains or Not?

If you hold on, and leave the shares to your heirs, they get stepped-up basis. Have you considered this possibility?
by RudyS
Sun Feb 10, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3738

Re: Passport Photos ?

It’s free with certain AAA memberships. This may depend on your region. It used to be this way and we tried last year in the Southwest and were told it was no longer free for any members (after getting it done 3 years prior for free). Free in Michigan, for member and associate member. $5 at Walgree...
by RudyS
Sun Feb 10, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5757

Re: Did you investigate your partner's financial background before committing?

In the good old times when I met my wife there were no Bogleheads and internet. We looked at each other, we had no debt, parents and state had paid for our education, so none of us even thought about investigation. We simply married, and all is great for the last 49 years. Congratulations! Pretty m...
by RudyS
Sun Feb 10, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Employer paid moving expenses, tax deductible?
Replies: 33
Views: 1229

Re: Employer paid moving expenses, tax deductible?

If you were reimbursed, then I do not see how you would have a deduction. The reimbursement is on your W-2, plus extra to reimburse you for the taxes. Seems you are even. Nothing to tell the IRS.
by RudyS
Sat Feb 09, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1655

Re: Best way for Grandparent paying for day care

This is an example of (1) "TMI" - too much information, and (2) "if you don't want to hear the answer, don't ask the question."

Seriously, though, just give the kids a gift. If they want to spend it on child care, fine. If they want to take everyone on a vacation, fine.
by RudyS
Fri Feb 08, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule D form needed or not for carryover loss?
Replies: 5
Views: 501

Re: Schedule D form needed or not for carryover loss?

DeLuxe has always reported the carryover properly. Premier is not needed for schedule D.
by RudyS
Thu Feb 07, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Soliciting PAC Donations
Replies: 15
Views: 1073

Re: Employer Soliciting PAC Donations

30 year-old information: Worked for megacorp. There was an employees PAC as well as a headquarters PAC. I was on the employees PAC Finance Board. About 10% or less of emplyees joined. No pressure from management. Never saw this as a problem at that company.
by RudyS
Thu Feb 07, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Deleting scanned pages with Brother multifunction printer
Replies: 7
Views: 680

Re: Deleting scanned pages with Brother multifunction printer

Do I have to uninstall the "original" software or just download and run the new one?
by RudyS
Wed Feb 06, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: replacing tires on AWD cars do you have to do all 4
Replies: 83
Views: 3945

Re: replacing tires on AWD cars do you have to do all 4

Need data please!!!! Any Subaru owners whose 4 wheel drive differential has failed due to tire mismatch? Or any reason, for that matter?
by RudyS
Tue Feb 05, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Designating someone to interface to SSA (not Representative Payee)
Replies: 18
Views: 736

Re: Designating someone to interface to SSA (not Representative Payee)

OK, thank you for your replies. It seems silly - we encourage people to plan for the future, including when we can't speak for ourselves, but there's no way to pre-designate a RP without activating that role fully? But it doesn't have to make sense, huh. My father is still making his own financial ...