Search found 1050 matches

by RudyS
Wed Apr 18, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 3836

Re: car at 80

Chronological age isn't necessarily a good predictor of how well (safely) a person can drive. Some people should never drive because they are too easily distracted. Or are prone to text while driving. Some have vision problems that aren't corrected well. Some can't hear when an emergency vehicle is ...
by RudyS
Tue Apr 17, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 3836

Re: car at 80

Although you expressed a desire for a luxury car, in the BH spirit, I respectfully suggest you at least try out a Subaru Outback (yes, I'm biased), and/or one of the other suggestions made above. Comfort is very individual and subjective, you need to see for yourself. Both in the driver's seat and t...
by RudyS
Tue Apr 17, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Self storage facilities
Replies: 2
Views: 367

Re: Self storage facilities

These things are really popular around here. New ones all the time. Some also store RV's, etc, over the winter. I'd have a concern about the market being flooded. Are you thinking to put up a new one, or buy an existing one? If the latter, are many folks trying to sell theirs? Do you see lots of ads...
by RudyS
Tue Apr 17, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 3836

Re: car at 80

Cars can get sooo personal but I am totally for things like blind spot assist, 360 degree cameras, auto on and off lights, pedestrian warning, collision avoidance warnings with or without auto braking and such. Ordered all of them (and more) with the new 2018 I picked up a month ago. I have become ...
by RudyS
Tue Apr 17, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Exposure not filing Gift tax return 709
Replies: 12
Views: 813

Re: Exposure not filing Gift tax return 709

The rule is to file. No one here can tell you whether or not to. What Gill said. Forum rules.
by RudyS
Sun Apr 15, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2062

Re: Yellowstone time needed

Having been there, that is way too short of a time. I doubt you'd enjoy the trip. I'd consider the options suggested by others instead.

Tourist asked a park ranger, "if you only had 4 hours to see this park, what would you do?"
Answer from ranger: "Cry."
by RudyS
Sun Apr 15, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Bad money managers
Replies: 4
Views: 637

Re: Bad money managers

I'm thinking that when you start the FINRA complaint process (with the bank first, per instructions in the link), you should ask for reimbursement of any exit fees - at a minimum. I'm not sure what other reimbursement you could reasonably request.
by RudyS
Sun Apr 15, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help for small estate w/ debts: Gifting next of kin
Replies: 9
Views: 470

Re: Help for small estate w/ debts: Gifting next of kin

Look here: https://www.consumerhelpcentral.com/fra ... ankruptcy/
seems like 4 year look-back period. If you still think this is a good idea, I suggest you do see a lawyer.
by RudyS
Fri Apr 13, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of using CPA for taxes
Replies: 14
Views: 1662

Re: Benefits of using CPA for taxes

In your original post you said you used TurboTax and were pleased with it. Why would you not do that again, considering what you have already found out about your CPA?
by RudyS
Fri Apr 13, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to Sell Shares in an Estate Account/Broadridge
Replies: 6
Views: 297

Re: Trying to Sell Shares in an Estate Account/Broadridge

If you have an account with a broker yourself, they MIGHT do this as a courtesy to you. Can't hurt to ask.
by RudyS
Wed Apr 11, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Monetary gift in memory of deceased
Replies: 8
Views: 818

Re: Monetary gift in memory of deceased

Slight twist on this. Frequently, when I make such a donation, the organization puts me on a list for future solicitations. Which just wastes their money. To avoid this, in my cover letter to them, I make clear that this is a one time donation and please do not add me to any lists. This seems to wor...
by RudyS
Wed Apr 11, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1844

Re: Do I have to pay taxes on unrealized dividends?

But, the amount of the dividend is then added to your cost basis. So, when you sell, you are not taxed again. Not really. Assume 1) dividend of $100; stock price of $50/share; reinvested dividend buys two shares. 2) Specific ID used for share sales; stock sold at $50/share; the two shares purchased...
by RudyS
Wed Apr 11, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Can I use United airline miles to buy a ticket for my friend?
Replies: 15
Views: 1002

Re: Can I use United airline miles to buy a ticket for my friend?

But, the recipient will have to show proof of identity/. Be sure to check with the airline as to just what will be required. Not sure what you mean by that. I have bought tickets for friends and family with miles from my accounts (various airlines), and they were able to check in online or at a kio...
by RudyS
Tue Apr 10, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Pay tax using pay1040.com and e-file using turbo tax
Replies: 6
Views: 417

Re: Pay tax using pay1040.com and e-file using turbo tax

pay1040.com charges 1.87% if you use a credit card. For $3000, that's $56. You could just send in a check. But if your credit card gives 2% cash back, maybe you'd be a smidgen ahead with pay1040. Anyhow, to answer your question, TurboTax is not involved in the mechanics of the payment. They will tel...
by RudyS
Tue Apr 10, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1844

Re: Do I have to pay taxes on unrealized dividends?

But, the amount of the dividend is then added to your cost basis. So, when you sell, you are not taxed again.
by RudyS
Tue Apr 10, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on TurboTax, filing status, stocks, loan forgiveness, etc.
Replies: 15
Views: 768

Re: Questions on TurboTax, filing status, stocks, loan forgiveness, etc.

The brokerage STATEMENTS might have a lot of data, but the 1099 FORMS should be straight forward. If you have sold NO stocks, there are no 1099-B's. If you did, TurboTax will ask and you'll see the info on the 1099-Bs. The 1099-INT shows interest received, 1099-DIV shows dividends received. TurboTax...
by RudyS
Tue Apr 10, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1101

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

I've used Craigs list. Also eBay but rather use Craigs list for speakers, turntable and the like. I'm annoyed that eBay charges their 10% commission on the shipping! Unless of course you do free shipping in which case it is built into the price anyway.
by RudyS
Tue Apr 10, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA Check
Replies: 13
Views: 586

Re: UTMA Check

Maybe I'm thinking too simplistically, but why not have MIL endorse it, as custodian utma, to your wife? Then wife deposits it.
by RudyS
Tue Apr 10, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 56
Views: 4318

Re: Structuring Newlywed Finances for Fairness and Less Arguments

alpenglow wrote:
Mon Apr 09, 2018 10:33 am
I haven't read the whole thread, but my advice would be to keep it simple. We've been married 10 years and we spend as needed from a common account. Done.
Same for us, except we have 53 years of our (one and only) happy marriage.
by RudyS
Tue Apr 10, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Child in college w/$500 income on W-2 - File taxes?
Replies: 27
Views: 2201

Re: Child in college w/$500 income on W-2 - File taxes?

The question on "her" return is whether she CAN be claimed by another, not whether she IS claimed. So you have no choice. It's common to misunderstand the options.
by RudyS
Tue Apr 10, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Questions on TurboTax, filing status, stocks, loan forgiveness, etc.
Replies: 15
Views: 768

Re: Questions on TurboTax, filing status, stocks, loan forgiveness, etc.

First, I am going to suggest you file for an extension. No need to get nervous just because of the April 17 deadline. TurboTax can help with that. That gives you some breathing room. You do need to send in payment of any taxes that look like they will be due. In my opinion TurboTax deluxe will be al...
by RudyS
Mon Apr 09, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: So confused about 1098-E form for student loan interest deduction on taxes?
Replies: 15
Views: 560

Re: So confused about 1098-E form for student loan interest deduction on taxes?

three of us have said yes, you can go ahead and take the deduction so long as the loan was for qualified educational expenses, and you have some form of documentation for that. It need not be the 1098E itself.
by RudyS
Mon Apr 09, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: So confused about 1098-E form for student loan interest deduction on taxes?
Replies: 15
Views: 560

Re: So confused about 1098-E form for student loan interest deduction on taxes?

I'm not an expert here, but if this happened to me I would claim all the interest that I have documentation for, 1098E or not. Pub 17 suggests that there is not always a match by IRS between 1098E's and what's claimed on your 1040. That would be a good faith attempt. Worst case that I see, is that I...
by RudyS
Mon Apr 09, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 25
Views: 1795

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

Just guessing, but I could imagine this if the hotel was very expensive and the airfare was cheap. Otherwise, I'd worry too. Especially about what the room would be like, and the flight schedule.
by RudyS
Mon Apr 09, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 784

Re: Home inspection/negotiation question

The sellers were bamboozled once on that roof. If they handle the re-roof, wanna bet it will happen again? Yeah I can't understand how you don't realize your roof hasn't been replaced unless you have really bad vision. If I were home when that job was done, I'd be watching pretty closely. And I wou...
by RudyS
Mon Apr 09, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 784

Re: Home inspection/negotiation question

The sellers were bamboozled once on that roof. If they handle the re-roof, wanna bet it will happen again?
by RudyS
Mon Apr 09, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: So confused about 1098-E form for student loan interest deduction on taxes?
Replies: 15
Views: 560

Re: So confused about 1098-E form for student loan interest deduction on taxes?

That all seems complex, but IRS Publication 17 discusses this in detail (page 139). Here's an excerpt. Note what I've underlined. Seems you don't NEED to have a 1098E to file, if you do have allowable interest expense. To help you figure your student loan interest deduction, you should receive Form ...
by RudyS
Sun Apr 08, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3617

Re: Active Adult Retirement Communities

One "problem" with some (most?) CCRC's is that one should be reasonably healthy at entry. This probably varies, but it's the case at least a lot of times near us. Waiting until help is required might restrict the choices. There are other places to go, of course, but not with guaranteed care the way...
by RudyS
Sun Apr 08, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: How do you cancel a bid on ebay?
Replies: 7
Views: 525

Re: How do you cancel a bid on ebay?

Glad it worked.. Many sellers will be helpful, a few not so much. It is usually to the seller's advantage to be accommodating. On eBay, buyers can create all sorts of mischief.
by RudyS
Sun Apr 08, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Can I use United airline miles to buy a ticket for my friend?
Replies: 15
Views: 1002

Re: Can I use United airline miles to buy a ticket for my friend?

But, the recipient will have to show proof of identity/. Be sure to check with the airline as to just what will be required.
by RudyS
Sat Apr 07, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Help with decision on house
Replies: 6
Views: 591

Re: Help with decision on house

Having to find another home to live in for an extended period also would be a major hassle and expense. I’d talk to a couple design/build firms about remodeling as your first option. Hopefully, then you could continue to live in your house while construction is going on. Good thought. Can you put o...
by RudyS
Sat Apr 07, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13800

Re: Parents have zero savings. What can I do?

NYFP according to acronym finder can be New Yorkers For Parks. I get it - sleep there!
by RudyS
Sat Apr 07, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: How can I buy foreign stocks under my own name (not under nominee/street name)?
Replies: 11
Views: 617

Re: How can I buy foreign stocks under my own name (not under nominee)?

Ok now i understand. This is about becoming the "registered holder" of your stock, directly in the companies share registry. This is then opposed to "in street name" that you mention. I understand that there are extra costs, and that you loose flexibility as well as transaction speed. Sorry cannot ...
by RudyS
Sat Apr 07, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 25
Views: 1614

Re: Finance only laptop? Can I use an old one?

WiFi idea makes sense, but you could just use an ethernet cable, and then disable wifi on the "finance only" computer itself. No need to mess with router.
by RudyS
Sat Apr 07, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 64
Views: 4308

Re: [When is going out to a restaurant worth it to you?]

peppers wrote:
Fri Apr 06, 2018 7:28 pm
When my executive chef at home says, " I am not cooking tonight", usually on weekends, I know it's game on.
Amen!
by RudyS
Thu Apr 05, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 2659

Re: WF Visa 3% FX fee

CaliJim wrote:
Thu Apr 05, 2018 12:56 am
got it. I guess I'll look into getting another card. ugh
AAA Dollar Plus Mastercard is also free of Foreign transaction fees, AND gives 3% on travel purchases like hotels! 1% elsewhere. Not sure if you need to be a AAA member.
by RudyS
Thu Apr 05, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Registration Tax Deductibility
Replies: 2
Views: 288

Re: Auto Registration Tax Deductibility

If we're talking about Federal taxes I wonder why it varies by state. Surprised they didn't eliminate this altogether the same as they did the SALT deductions (I live in Florida too, BTW). IRS allows the deduction if the plate fee is based on value. Otherwise not. Some states are this way, others a...
by RudyS
Sun Apr 01, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3925

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Tax returns :oops: This is a real thing. I did work-study during the year and my mom was kind enough to send me all the tax forms, but I definitely would not have done it on my own. My dad had also set up a Roth for me that was funded to the tune of about $1,000. It took some hectoring to remember ...
by RudyS
Sun Apr 01, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Oak Tree Roots Heaving Up Driveway
Replies: 5
Views: 959

Re: Oak Tree Roots Heaving Up Driveway

I'd invest in consulting a (real) arborist to evaluate the impact of cutting off a piece of that root, considering the entire root structure of the tree.
by RudyS
Sun Apr 01, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Rewire Whole House Humidifier To Run With Fan
Replies: 6
Views: 555

Re: Rewire Whole House Humidifier To Run With Fan

Lennox air handler system with gas hot air and an AC unit. Humidifier is a bypass type wired to run when heat is on and humidistat calls for it. Water supply is cold water. I would like to set it up to run when the fan comes on to increase the humidity. Nest thermostat has an option to schedule fan...
by RudyS
Sun Apr 01, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11135

Re: Underrated places to visit in U.S.?

Redwoods National and State Parks in northern California. Amazing and not yet over-run. We combined it with a visit to the Oregon Coast. And one could include Bend Oregon on that trip, given enough time. Or, Toronto. terrific choice of ethnic restaurants, and a great public transportation system so ...
by RudyS
Sat Mar 31, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8290

Re: Liability for 32 year old step son living home

If he's in your household, doesn't ACA require that he be covered or you pay a penalty? (Unless he fits one of several exemptions.)
by RudyS
Sat Mar 31, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4047

Re: Tired of gas grills rusting out...

Do they still make grills that are made of cast aluminum? I had one at my old house that was still going after 40 years. My "new" one is 11 years old. We never used a cover on either of these, despite our harsh winter weather. The burners and grids may need to be replaced periodically. I solved the...
by RudyS
Sat Mar 31, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 4091

Re: Vanguard: Transition to our new investment platform

abuss368 wrote:
Fri Mar 30, 2018 11:21 pm
My understanding is that brokerage statements do not provide one simple account statement at year end with all year to date activity noted.
My experience too.
by RudyS
Thu Mar 29, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5215

Re: Should I loan my child money for college?

If my parents loaned me money with interest payments, I'd tell them to take a hike smh Turns out I made bridge loans to two kids when buying a house (to get better mortgage terms). They were glad to pay the nominal interest. Of course the banks were not privy to intimate details of these cash trans...
by RudyS
Thu Mar 29, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3375

Re: Wash sale question- are ITOT and VTI Substantially Identical?

How much money are we talking about? If it's just the dividends, maybe not too much to worry about IRS someday, somehow, revising your taxes due. And then that's only an issue if somehow the decision is that the funds ARE identical.
by RudyS
Sun Mar 25, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Favorite vacations that don’t involve travel
Replies: 13
Views: 1968

Re: Favorite vacations that don’t involve travel

That''s called a "stayvaction." Google for lots of ideas.
by RudyS
Sun Mar 25, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Subaru Cross Country Perks?
Replies: 6
Views: 1011

Re: Subaru Cross Country Perks?

I too was leary of third party providers, but I went online to Hertz with the confirmation number and sure enough, the reservation was there just as it was supposed to be. I used to prefer the Emerald Aisle set-up at National, but other companies now also have the "choose your car" option some places.
by RudyS
Sun Mar 25, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Subaru Cross Country Perks?
Replies: 6
Views: 1011

Re: Subaru Cross Country Perks?

Understood. I get great rental deals through autoslash.com. Tell them what you want, they send you an email in a few minutes with best prices from lots of companies. Click on what you like, and reserve through priceline., I've done this several times, with Hertz and AVIS, and it works just fine. Rea...
by RudyS
Sun Mar 25, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2386

Re: eBay seller mails hard drive in paper envelope

I buy/sell on eBay and am well aware of how eBay always favors the buyer in case of problems. Luckily, I have never had a bad buyer for anything I sold. But I provide very detailed and accurate descriptions, pack well and ship promptly. Also good luck on the buying side. BUT, some types of items are...