Search found 148 matches

by stats99
Tue Feb 11, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can my son change employer health insurance midyear?
Replies: 16
Views: 1108

Re: Can my son change employer health insurance midyear?

Generally yes, it is a qualifying event, verify with employers benefits department.
by stats99
Fri Feb 07, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax from Costco
Replies: 9
Views: 822

Re: Turbo Tax from Costco

The box I bought from Costco had both download instructions, with a license code, as well as the actual cd.
by stats99
Fri Jan 24, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8306

Re: When to Change Car Battery?

I agree with the every 3 year approach
by stats99
Tue Jan 14, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9577

Re: Daycare Provider Wants to Charge $20/week for Receipt

At the end of the day you need to provide the SSN or EIN of the provider. If the provider gives you this the FSA administrator can probably accept some form from you, probably an affidavit type firm that they provide. Check with the administrator. If they do not give you the SSN or EiN, then the IRS...
by stats99
Sat Dec 14, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Should I buy a new or used Toyota Camry?
Replies: 83
Views: 4275

Re: Should I buy a new or used Toyota Camry?

So do the used car prices shown also include tax and registration cost?
by stats99
Wed Nov 20, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4501

Re: Water heater - am I getting ripped off

That’s what I had to pay, due to the code change in vent size. That was in 2011 in NJ
by stats99
Wed Nov 13, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Craigslist vs Kelley Blue Book cash offer for car
Replies: 13
Views: 1514

Re: Craigslist vs Kelley Blue Book cash offer for car

When working with car dealers I always set up a separate google e mail account and free google phone number so that the resultant spam does not hit my primary account. You may also try Carmax or carcash or similar outfit where you will get lower than private party but the check will be good .
by stats99
Fri Nov 08, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Acura TLX owners
Replies: 17
Views: 1653

Re: Acura TLX owners

Checkout the Acurazine forum for fifth generation TL

https://acurazine.com/forums/fifth-gene ... -2015-415/
by stats99
Tue Sep 03, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 7107

Re: Water alarm just saved me a lot of $$$. Do you have them?

After a burst basement water pipe I have installed the following: https://www.moen.com/flo/how-it-works Anyone have an idea as to what the monthly subscription fee for this system is? There is no fee for the basic service, which is what I have. For $5 a month they can provide some additional detail...
by stats99
Tue Sep 03, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 7107

Re: Water alarm just saved me a lot of $$$. Do you have them?

Check out above links for Flo by Moen. They have just added a 3 day backup battery option. All controlled from your phone or computer. I have had since April.
by stats99
Mon Sep 02, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 7107

Re: Water alarm just saved me a lot of $$$. Do you have them?

After a burst basement water pipe I have installed the following: https://www.moen.com/flo/how-it-works
by stats99
Sat Aug 31, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance coverage - reasonable?
Replies: 11
Views: 1004

Re: Auto Insurance coverage - reasonable?

Also in NJ, my medical is primary so I pay only $70 every 6 months for 3 cars for basic coverage PIP.
by stats99
Thu Aug 22, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Bullfrog Spa (Hot Tub)
Replies: 9
Views: 709

Re: Bullfrog Spa (Hot Tub)

I think they have a good reputation. I had a Hot Springs Sovereign from 1999-2015 and then we bought a Hot Spring Prodigy in 2017. Since the better tubs come with a 5-7 year “bumper to bumper” warranty, our decision to go with Hot Springs was influenced by having a local dealer to service.
by stats99
Mon Aug 19, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Home Office - Main Floor or Basement
Replies: 18
Views: 1137

Re: Home Office - Main Floor or Basement

I was in basement until the kids left, then moved upstairs, main reason?, no A/C in basement!
by stats99
Tue Jul 09, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2555

Re: Selling a rental property - taxes

Regardless of whether or not you took the depreciation deduction, you may still owe depreciation recapture upon the sale of the unit.
by stats99
Sun Jun 16, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Keep car and pay for maintence or get new car
Replies: 22
Views: 1249

Re: Keep car and pay for maintence or get new car

I have a 2006 Acura TL, 110,000 miles. Keep wanting a new car but seems this model is still better than many new cars that have been coming out, much cheaper to keep fixing than new. Got timing belt, plugs, brakes, etc, If you do sell, I think there is a small community of folks interested in those ...
by stats99
Tue Jun 11, 2019 4:50 pm
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: 2187

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

Private flood insurance, if available, is indeed an alternative to the federal program. If you have a mortgage, check with the bank to verify.
by stats99
Mon Jun 10, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Travel Advice driving through NYC to Long Island
Replies: 19
Views: 1702

Re: Travel Advice driving through NYC to Long Island

I would check traffic scenarios in advance via Waze/Google at time you want to travel.

As far as GW Bridge. There is often 1 hour delays at the tolls. That is a bummer. I'd investigate getting across the Hudson above NYC, either Tappan Zee or even higher up.
by stats99
Sat Apr 27, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 164
Views: 12872

Re: Why I don't think I should get long term care insurance right now

Can you share your premium calculations that get you to $2 million. In general, insurance makes sense when the premiums paid are significantly less than the, hopefully not needed, payout. Otherwise you would self insure. If your payouts are capped to 3 years you should be able to do a NPV type compa...
by stats99
Tue Apr 16, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 15770

Re: In Laws Retirement Nest Egg

RickBoglehead wrote:
Tue Apr 16, 2019 12:02 pm
Here's the challenge as I see it. We are under no legal obligation to pay for care for our parents / in-laws. It's a personal choice.
Some states do have so called filial responsibility laws where, in theory, the children can be responsible for parental care costs.
by stats99
Mon Apr 15, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: FSA and DCFSA
Replies: 1
Views: 161

Re: FSA and DCFSA

The service would have to be incurred after the plan is effective and after you have enrolled.
by stats99
Sun Apr 14, 2019 3:39 pm
Forum: Personal Investments
Topic: Selling rental
Replies: 5
Views: 415

Re: Selling rental

Dottie57 wrote:
Sun Apr 14, 2019 3:34 pm
If purchase price = sale price how can there be a capital gain?
I assume depreciation recapture?
by stats99
Sun Apr 07, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: tax help: AMT credit
Replies: 7
Views: 804

Re: tax help: AMT credit

I received nothing back from Turbo Tax, but I also did not follow further. I sent in my taxes back in March and already received my refund, albeit not as large as first thought! I feel pretty confident that I did not “deserve” that credit but if I learn otherwise I guess I can always send an amended...
by stats99
Sun Apr 07, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8775

Re: Huge AIrBNB Cancellation Charge

OP here. Thanks again for all the thoughts. Just wanted to add, along the lines of the host experiencing any type of loss, the stay was scheduled for June 2. The reservation made at 4 pm on April 1 and cancelled at 6 pm on April 1. As far as reviewing the website, I reviewed the listings as well and...
by stats99
Sat Apr 06, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8775

Re: Huge AIrBNB Cancellation Charge

OP here. Thanks to all replies. Some good information. Just to clarify, although some listings do indeed show the Long Term Cancellation policy on the listing, this Host did NOT show that. In fact. under the policies section of the listing was only the "strict" 48 hour cancellation terms. We have a ...
by stats99
Sat Apr 06, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8775

Huge AirBNB Cancellation Charge

I need the community's input. My son, in college, out of state, secured an internship for the Summer. On April 1, he booked a reservation on Airbnb For June 2nd through mid August in a city where the internship will take place, also out of state. From the website we saw there was a 48 hour Airbnb ca...
by stats99
Wed Apr 03, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough insurance?
Replies: 26
Views: 953

Re: Do I have enough insurance?

I'd add more life, maybe a 15 or 20 year so you have the extra coverage to college-range ages. But you won't need as much later on. $1m in term life for wife (currently stay at home with kids, 20yr policy). This seems excessive. What do you need a million dollars for if a stay at home mom passes? R...
by stats99
Thu Mar 21, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 13902

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I agree that luxury car purchase is a big factor in reducing the retirement readiness of many Americans. Whether luxury or buying too much suv than needed it is quite the financial burden. I calculate that my “savings” were at least $1 million over 40 years of car ownership between me and my wife. W...
by stats99
Sat Mar 16, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming AMT credit – CPA says no
Replies: 7
Views: 923

Re: Claiming AMT credit – CPA says no

While completing my taxes this year, Turbo tax was showing me a credit of some $6,000, for past AMT payments. However, I did not think I really deserved that credit based on reading the rules. It appeared the credit would only come into play if I had some timing issues with depreciation or RSO. Neit...
by stats99
Sun Feb 10, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 7036

Re: Recommendation for home gym (limited space)

I have used my Vectrafitness gym for last 20 years.
by stats99
Sat Feb 09, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: tax help: AMT credit
Replies: 7
Views: 804

Re: tax help: AMT credit

I reached out to Turbo Tax and they requested my past forms. As of now they are researching this as a potential "bug". In the meantime they gave me instructions on how to zero out the carry over credit as it does not seem to meet the criteria. I will most likely do just that, as I can not see how I ...
by stats99
Sun Feb 03, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: tax help: AMT credit
Replies: 7
Views: 804

Re: tax help: AMT credit

Funny, I have the opposite issue. Turbo tax wants to give me an AMT credit, but I do not think I should get it. I did not have ISO or any depreciation. I can not see why the form 8801 is wrong though, it is pulling the amount from 6251.
by stats99
Tue Jan 15, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 2222

Re: Change my mind - Lease > Buy New Car

I'd say if they want you to lease for $33k, that must make them more money than you buying at $39k.

I'd also expect you can get the price for purchase below $39k
by stats99
Sun Dec 30, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: Spot gold down 15% (12/30 at 6 pm central)
Replies: 7
Views: 1087

Re: Spot gold down 15% (12/30 at 6 pm central)

Marketwatch shows gold futures about even now.....
by stats99
Sun Dec 30, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Spot gold down 15% (12/30 at 6 pm central)
Replies: 7
Views: 1087

Re: Spot gold down 15% (12/30 at 6 pm central)

I’m seeing gold down $1.30
by stats99
Tue Dec 18, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 3016

Re: Tips for a cold bedroom above a garage?

Had same thing, master over garage, after 15 years we built an addition on top for our new MBR, much warmer and gave old room to our son starting HS! More privacy too since we were also on our own floor.
by stats99
Thu Dec 06, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 7419

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

A contributing factor in NJ is that the budgets are generally on a July 1 fiscal year.
by stats99
Fri Nov 30, 2018 9:38 am
Forum: Personal Investments
Topic: Vanguard Online Account Access for Spouse
Replies: 23
Views: 1666

Vanguard Online Account Access for Spouse

I have several accounts with Vanguard that are under my name only or joint accounts under me and my spouse. These accounts are accessible online and via one login/user id and password. However, my wife has one IRA account that is just hers and that we receive paper statements only. We would like to ...
by stats99
Wed Nov 28, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 4567

Re: Electricity bill should be 7% per month of home sq footage.

Regarding chart above, that rate must not include "transport" costs of the electricity, that adds at least $0.05-$0.07 on NJ per KwH.
by stats99
Sun Nov 25, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2221

Re: Google Voice, do unused numbers get deleted?

I first got a GV number when I was car buying and did not want to give out my cell number. I use it for any contractors when bidding out work and similar situations such as shopping for insurance, etc. I have all calls go direct to voice mail and just follow up if I need to.
by stats99
Tue Nov 13, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 6276

Re: fuel for snowblower

Snow blowers I have had specifically said to avoid anything but 87 octane. In other words do not use higher than 87:
by stats99
Wed Nov 07, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5873

Re: New job concerns

"flexible"...that meant YOU had to be flexible.
by stats99
Fri Oct 26, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Phone calls from Social Security
Replies: 10
Views: 1649

Re: Phone calls from Social Security

I have friends who had Social Security phone them after they applied for benefits with questions about their application. I read a Clark Howard newsletter today warning of a Social Security phone scam which has spoofed Social Security's 800 number to show up on caller-id. How have fellow Boglehead ...
by stats99
Sun Oct 14, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4647

Re: How Much Is Your Sewer Bill?

Northern NJ, I pay about $75 a quarter sewer and $75 a quarter water. Sewer fee based on water use. So $600 annual water + sewer