Search found 445 matches

by GreenGrowTheDollars
Fri Aug 14, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: re-applying for IRMAA reduction - when?
Replies: 1
Views: 258

re-applying for IRMAA reduction - when?

DH starts Medicare in September. He received a IRMAA determination letter, but he filed the form to appeal since he retired in December 2019. That appeal was approved and will apply to his Sept - Dec 2020 Medicare premiums. Does he need to re-apply to have the (same) retirement considered again for ...
by GreenGrowTheDollars
Sun Jun 14, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: Need Landline Phone with "Parental Controls" for 90 yo
Replies: 19
Views: 1666

Re: Need Landline Phone with "Parental Controls" for 90 yo

1. Get a landline. Never disclose the number, not even to your family. 2. Get a Google voice line for free 3. Forward all Google voice calls to the land line. The Google voice number is the number you give out. You can monitor and set up whatever call blocking, notifications, etc. you want to imple...
by GreenGrowTheDollars
Fri Apr 03, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 34837

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

We have a multi-member LLC with partnership taxation -- no employees, just myself and my business partner. (Not a spouse.)

Does that make us a business for the purpose of the application date for the PPP?
by GreenGrowTheDollars
Wed Mar 25, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2417

Re: What is with the printer paper delivery times on Amazon?

Staples and Office Depot deliver the next day; maybe sooner if you call.
Supermarkets often sell reams of copy paper.
by GreenGrowTheDollars
Sun Mar 15, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Grand Tetons
Replies: 6
Views: 896

Re: Grand Tetons

Coulter Bay Cabins. And rent a canoe/boat for at least a couple of hours.
by GreenGrowTheDollars
Sun Mar 15, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Learning Quickbooks
Replies: 6
Views: 380

Re: Learning Quickbooks

While looking for clients for my Facebook Marketing business, I see lots of people looking to hire freelance accountants but using Quickbooks online. This may be the only accoutning software that I DONT have eperience with, SAP, Hyperion, Oracle, GP, MAs 500, Sage, X/3 but NOT quickbooks. What is a...
by GreenGrowTheDollars
Thu Mar 12, 2020 10:42 am
Forum: Personal Investments
Topic: When does a Roth conversion take place? (Time of day)
Replies: 4
Views: 288

When does a Roth conversion take place? (Time of day)

With the market down, I'd like to move some holdings from my traditional IRA to my Roth IRA. I am unclear on WHEN the Roth transaction happens. (I use Fidelity.) Do they wait until close of market? At the time I request it? Nothing is being sold, it is just transferred from one account to the other....
by GreenGrowTheDollars
Sat Feb 29, 2020 11:40 pm
Forum: Personal Consumer Issues
Topic: Negotiating hospital PT bill
Replies: 36
Views: 3334

Re: Negotiating hospital PT bill

I had PT through my local hospital's PT clinic in December. The initial visit was about $160. Each subsequent visit was $114. 700 seems way, way out of line. I would find out more and see if it is perhaps a billing/coding error.
by GreenGrowTheDollars
Tue Feb 04, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: K1 income and Turbo Tax
Replies: 6
Views: 497

Re: K1 income and Turbo Tax

As a high bracket taxpayer with a bunch of K1s from different business entities, I'd look to a good CPA more from a planning perspective -- are you taking advantage of reasonable options to maximize your longer-term wealth? (I use that phrasing rather than minimizing taxes, because you can minimize ...
by GreenGrowTheDollars
Tue Feb 04, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security login problem
Replies: 16
Views: 2598

Re: My Social Security login problem

OK, I was able to log in last night, but I had to go through password change. When I couldn't log in on Sunday it never even asked me the challenge questions, so no clue. All data looks fine -- maybe their system just had a glitch?
by GreenGrowTheDollars
Sun Feb 02, 2020 11:54 pm
Forum: Personal Investments
Topic: My Sis is going to Ray James, is this fee right?
Replies: 94
Views: 7130

Re: My Sis is going to Ray James, is this fee right?

Ten years ago I would have had a dozen reasons why Raymond James was a terrible idea. In the interim, I've worked with several parents who are absolutely clueless about personal finance who happen to use Raymond James and who have gotten some really good advice on building spending plans. Their fin...
by GreenGrowTheDollars
Sun Feb 02, 2020 10:43 pm
Forum: Personal Investments
Topic: My Sis is going to Ray James, is this fee right?
Replies: 94
Views: 7130

Re: My Sis is going to Ray James, is this fee right?

Ten years ago I would have had a dozen reasons why Raymond James was a terrible idea. In the interim, I've worked with several parents who are absolutely clueless about personal finance who happen to use Raymond James and who have gotten some really good advice on building spending plans. Their fina...
by GreenGrowTheDollars
Sun Feb 02, 2020 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security login problem
Replies: 16
Views: 2598

My Social Security login problem

I just tried to login to mysocialsecurity (one time) and got the following response: We tried three times to match the information you provided with our records, but were unable to do so. You may try to access the electronic information again after 24 hours. Please verify your personal information a...
by GreenGrowTheDollars
Mon Jan 27, 2020 11:55 pm
Forum: Personal Investments
Topic: Executor of an estate
Replies: 51
Views: 3742

Re: Executor of an estate

The main thing I would be concerned about with OP’s situation is the tax bill that selling the stock is going to generate. It may not be in the heirs’ interest to sell the stock and generate the tax hit. I would at least ask the 80% heir if that’s what they want before I sold anything. I thought th...
by GreenGrowTheDollars
Tue Jan 21, 2020 11:48 am
Forum: Personal Investments
Topic: Paying for College: Option 2, Am I Nuts?
Replies: 70
Views: 5883

Re: Paying for College: Option 2, Am I Nuts?

100% on the paid-off mortgage. - It gives you tremendous flexibility in case life happens in ways you don't anticipate. - It is a lot easier to cash flow college expenses when you're not also paying a mortgage. - If you lose your job or have significantly reduced income, home equity may not be count...
by GreenGrowTheDollars
Fri Jan 17, 2020 11:55 pm
Forum: Personal Investments
Topic: Will contributing to a Roth affect college scholarship amounts?
Replies: 6
Views: 821

Re: Will contributing to a Roth affect college scholarship amounts?

A few clarifications: - Roth 401K contributions are not pre-tax, so they are not "added back" to your income for financial aid purposes -- they are already reflected in your income. (Regular 401K contributions ARE added back.) - We use the prior-prior system for income reporting for the FAFSA. Stude...
by GreenGrowTheDollars
Fri Jan 10, 2020 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking basis in your home? How? Receipts fade
Replies: 11
Views: 1495

Re: Tracking basis in your home? How? Receipts fade

The Lotus 123 command of /WIR just popped into my head for some reason. Translated that is worksheet- insert - row. That was back in the day when we had 5 employees sharing 2 desktops in our department. I remember that one! What I mostly remember is the pain of printing. We had an HP Laserject IIP ...
by GreenGrowTheDollars
Fri Jan 10, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking basis in your home? How? Receipts fade
Replies: 11
Views: 1495

Re: Tracking basis in your home? How? Receipts fade

My original basis file was so old it was a printout from Lotus 123 -- and the printer paper had rip-off edges. I guess that makes me really old. (Though at least I'd graduated from greenbar.) Can you import the data from Lotus 123 into a more modern spreadsheet and then continue to keep it updated ...
by GreenGrowTheDollars
Fri Jan 10, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking basis in your home? How? Receipts fade
Replies: 11
Views: 1495

Re: Tracking basis in your home? How? Receipts fade

IRS Pub 523, pp 8-9 is what you want. Roof, yes. Finishing the garage yes. Oven, sounds like it needs to be part of a more substantial remodel. Survey certificates, probably not. Thank you! Presuming your married, it will only be a concern if your house appreciated more than $500K. Back in the day ...
by GreenGrowTheDollars
Fri Jan 10, 2020 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Tracking basis in your home? How? Receipts fade
Replies: 11
Views: 1495

Tracking basis in your home? How? Receipts fade

I ended up going through the basis file I've kept since buying our home thirty years ago. 1. While I have a decent list of expenditures that increased the basis in our home, quite a few of the receipts have faded to the point of illegibility. I'll scan what I can now, but there are going to be a bun...
by GreenGrowTheDollars
Fri Dec 27, 2019 4:09 pm
Forum: Personal Investments
Topic: Thinking about NOT making 2019 solo 401K contribution
Replies: 12
Views: 689

Re: Thinking about NOT making 2019 solo 401K contribution

Why haven’t you rolled your traditional IRA into your Fidelity Solo 401k? Can you roll a traditional IRA into a 401K if some of the contributions were made to a traditional IRA? (Some were rollover from another 401k) Any thoughts on the timing of this? (That is, does the rollover need to happen dur...
by GreenGrowTheDollars
Fri Dec 27, 2019 3:19 pm
Forum: Personal Investments
Topic: Thinking about NOT making 2019 solo 401K contribution
Replies: 12
Views: 689

Re: Thinking about NOT making 2019 solo 401K contribution

Backdoor Roth would be great...but we both have large IRA accounts that make that a lot more challenging.

My solo 401K is with fidelity and doesn't have a Roth option.
by GreenGrowTheDollars
Fri Dec 27, 2019 3:10 pm
Forum: Personal Investments
Topic: Thinking about NOT making 2019 solo 401K contribution
Replies: 12
Views: 689

Re: Thinking about NOT making 2019 solo 401K contribution

whodidntante wrote: Fri Dec 27, 2019 2:58 pm If you decide against a pre-tax contribution, I would still do a Roth contribution, if available.
We're not eligible for Roth contributions in 2019. :(
by GreenGrowTheDollars
Fri Dec 27, 2019 2:55 pm
Forum: Personal Investments
Topic: Thinking about NOT making 2019 solo 401K contribution
Replies: 12
Views: 689

Thinking about NOT making 2019 solo 401K contribution

...but would like help thinking it through. US - 64, Married, filing jointly, living in Colorado. Me - self-employed, solo 401K (Traditional, not Roth) DH - newly retired 2019 - solidly 24% federal tax bracket. Colorado is effectively fixed at 4.63%. Making a contribution of $25K (full with catch-up...
by GreenGrowTheDollars
Tue Dec 24, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5864

Re: Time to replace the Water Heater - Lots of Questions - Help!

We are at 5500 feet in Colorado. Last month we had 2 Bradford White water heaters installed in parallel. Cost was $4K, work done by a master plumber. It was a long, complicated job. The new water heaters have a larger diameter than the old water heaters and expansion tanks are now required, at least...
by GreenGrowTheDollars
Sat Dec 21, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 21
Views: 2072

Re: At last: 529 for Homeschooling

State laws may or may not align with this change. If you take out funds for homeschooling, it may be a qualified withdrawal from a federal perspective, but a non-qualified withdrawal from a state perspective. If you received a state tax benefit for your contribution, the state might claw it back.
by GreenGrowTheDollars
Thu Dec 05, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 371
Views: 39295

Re: Follow Up: Husband's Surprise Debts

1. Are all your credit cards and bank accounts set up to notify you via text of all transactions? I would set this up, pronto. We have US Bank for our checking - I suspect you might too given what you said about the HELOC. You can set up an alert for an amount exceeding $X where you get to specify t...
by GreenGrowTheDollars
Thu Nov 14, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3127

Re: Employer requesting increased travel

I've never understood the travel that is done by some people considering all of the other communications means possible. We had guys traveling daily for meetings which could easily been done by phone or video conferences. It is like some managers just can't let go of old methods. Similar to manager...
by GreenGrowTheDollars
Sat Nov 09, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 11531

Re: Seller's agent not letting us use a buyer's agent

The issue is the Seller's agent doesn't want to pay your agent a commission when they did all of the work. Why would they? Your agent should have been "dragged" along to all of the showings, that's what they are there for. Redfin agents muddy these waters are they aren't full commission agents and ...
by GreenGrowTheDollars
Fri Nov 08, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion in year moved out of NYC? How taxed?
Replies: 3
Views: 315

Roth conversion in year moved out of NYC? How taxed?

How are state taxes on Roth conversions taxed for an individual who moved from NYC to Colorado mid-way through 2019? (Move was in May; the conversion would be in December.)
by GreenGrowTheDollars
Sat Oct 12, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Need help !!! US or Canadian universities?
Replies: 56
Views: 4062

Re: Need help !!! US or Canadian universities?

In which state do you live?
What does your son plan to study?
If he took the PSAT 10 or Pre-ACT, what scores did he earn? (For the most part, test scores are very important for driving down the cost of college.)
by GreenGrowTheDollars
Sat Sep 28, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3715

Re: What is protocol for cleaning house when moving?

Clean, gardening done, all trash gone.

I would not spackle.
by GreenGrowTheDollars
Sat Sep 28, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Pay-off mortgage before FAFSA?
Replies: 19
Views: 1618

Re: Pay-off mortgage before FAFSA?

You can estimate your FAFSA Expected Family Contribution (EFC) using https://studentaid.ed.gov/sa/fafsa/estimate The real problem is that the EFC is essentially only an index value. Other than qualifying the student for federal student loans & (if the family income is low enough) Pell grants, everyt...
by GreenGrowTheDollars
Fri Aug 23, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1801

Re: Title Insurance of REfi

It's not the case that the seller always pays for owners insurance. I think that depends on the state, or possibly even area. I've never seen that on any property I've bought. Title insurance is a pretty big scam in general. The state of IA saw this, and they put into place a much cheaper alternati...
by GreenGrowTheDollars
Fri Aug 23, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1801

Re: Title Insurance on Refi

My owner's title policy paid off in our first year of ownership when a subcontractor filed a mechanics lien after a dispute with the builder on the quality of the work. I sent the notifications to the title insurer and the problem was fully resolved within a month or so. My neighbors turned out to o...
by GreenGrowTheDollars
Fri Aug 23, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 32
Views: 3594

Re: Emergency medical insurance (Helicopter transport, etc)

As an EMS physician, I am well aware of the safety records of rotor wing services. Thank you for the article. One of the reasons why my paramedics cannot request air transport except in very few circumstances. As a former paramedic in the Seattle area, I am bound and determined to not be transporte...
by GreenGrowTheDollars
Fri Aug 23, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Health Insurance/Asset protection - Advice Needed
Replies: 13
Views: 531

Re: Short Term Health Insurance/Asset protection - Advice Needed

Is your spouse employed? Can you get health insurance through your spouse with better conditions? Your new employer's health plan looks pretty awful. I hope the rest of the benefits package is better. A short term plan sounds ideal at the moment...but longer term, a better insurance plan might be wo...
by GreenGrowTheDollars
Fri Aug 02, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 330
Views: 17947

Re: Long-Term Care Decision

Also, the likelihood of one spouse blowing through the entire $1.2 million on LTC is extremely low. "Sweetheart, we don't need long-term care insurance. If you spend most of our retirement savings paying for my care, you'll still have whatever's left over. You'll muddle through somehow after I'm go...
by GreenGrowTheDollars
Tue Jul 30, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Limited Purpose FSA - Ophthalmologist fees?
Replies: 3
Views: 291

Limited Purpose FSA - Ophthalmologist fees?

We have an HSA-compatible insurance plan. We also have a Limited Purpose FSA - aka a "HSA-Compatible Flexible Spending Account" in addition to our HSA. The limited purpose account can be used for dental and vision expenses beginning January 1. I have dry eyes, and visit the ophthalmologist 3-4 times...
by GreenGrowTheDollars
Sun Jul 21, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3563

Re: Cruise advice?

1. If you like to sip your coffee while it is hot, consider bringing your own travel coffee cups along. Cruiseline coffee cups let the coffee go cold very quickly and you may not want to stay in a location convenient to the coffee urn. We liked having coffee somewhere quiet looking out at the sea. 2...
by GreenGrowTheDollars
Sun Jul 14, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Recent layoffs and now focus on corporate valuation - are owners looking to sell?
Replies: 29
Views: 2874

Re: Recent layoffs and now focus on corporate valuation - are owners looking to sell?

DH's company was sold several weeks after he received a large bonus for outstanding performance. A week after the deal closed, he along with virutally all the other tech staff over 50 were laid off. The remaining folks had the job of teaching the outsource tech staff the business. I'd get your resum...
by GreenGrowTheDollars
Thu Jul 04, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 19654

Re: Purchasing Major Appliances from Costco

We purchased a double wall oven. We had an excellent experience bit primarily because we researched what we needed to do to ensure there would be a smooth installation. Whatever you do, do not assume the appliance specs for height, width and depth are accurate Ours were not. Here’s what we did: 1. ...
by GreenGrowTheDollars
Mon Jul 01, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice, home health aide, taxes questions
Replies: 24
Views: 1827

Re: Hospice, home health aide, taxes questions

Agencies will generally provide a much easier route and much better coverage for vacations/sick days. If caregivers are hired independently, someone needs to manage FLSA (overtime) rules compliance, get worker's comp coverage set up, as well as get set up as an employer with the state and feds. That...
by GreenGrowTheDollars
Wed Jun 12, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 27
Views: 2253

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

We get a discount that was pretty significant on our homeowner's insurance for having impact-resistant (and wind-resistant) roofing. I paid a little more the last time we re-roofed, but the payback period on the homeowner's insurance was a couple of months. My biggest gripe on the federal flood insu...
by GreenGrowTheDollars
Sat Jun 08, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: iPad for notetaking with stylus
Replies: 10
Views: 988

iPad for notetaking with stylus

We're looking at options for using an iPad to take notes while meeting with clients. Using a stylus and the iPad like a pad of paper seems friendlier than typing with a keyboard. The Apple Store rep was fairly clueless when it came to answering questions related to business use. (And, for the first ...
by GreenGrowTheDollars
Sat Jun 01, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2633

Re: Autos and transportation near retirement

Consider giving the truck more of a run each week or get rid of it. On a per-mile basis, it is costly and not so wonderful if you're not getting it up to highway speeds for a bit pretty frequently. I'm finding SUV's more comfortable for my hip than sedans. One of the wins of renting cars on vacation...
by GreenGrowTheDollars
Fri May 31, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3613

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

We were very space constrained and the Electrolux 27" double wall oven was one of two models we found that would fit. It still took the installers nearly a day to modify the cabinet and get it all in. Our appliance repair guy said to avoid using the oven clean cycle -- he's seen enough boards go bad...