Search found 161 matches

by stats99
Tue Jul 28, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: subaru outback limited or audi 4 quattro?
Replies: 48
Views: 3559

Re: subaru outback limited or audi 4 quattro?

Why not compare the Legacy vs A4, Consumers give both an 87 total score and rates the Subaru 89 vs 88 on road test score.
by stats99
Fri Jul 10, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: FSAFEDS special 60-day election period
Replies: 5
Views: 334

Re: FSAFEDS special 60-day election period

Did you try the Qualifying Event tab? stats99 is correct, You go through the process like you had a qualifying event. There is a qualifying event you can select with some verbiage about COVID 19. I tweaked my limited FSA a bit based on our current dental and vision spending. Whew! I am glad I got t...
by stats99
Thu Jul 09, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: FSAFEDS special 60-day election period
Replies: 5
Views: 334

Re: FSAFEDS special 60-day election period

Did you try the Qualifying Event tab?
by stats99
Sat Jul 04, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Manager vs. Direct report salary issues
Replies: 151
Views: 10304

Re: Manager vs. Direct report salary issues

I think baseball is a good analogy, who males more the starters or the manager?
by stats99
Fri May 22, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7281

Re: Something Fishy Here??

I have read that Treasury is indeed sending prepaid debit cards. Google it. So it may be legit.
by stats99
Mon Apr 20, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10424

Re: Eating out after lock-down is lifted

State of New Jersey requires face masks. I also believe New York now does as well.
by stats99
Sun Apr 12, 2020 8:35 am
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17888

Re: Ponzi Scheme?

Who is the firm's independent auditor? What does the report say?
by stats99
Wed Mar 25, 2020 4:41 am
Forum: Personal Consumer Issues
Topic: Traffic Ticket - Offer to reduce points for Increase Fine
Replies: 25
Views: 1791

Re: Traffic Ticket - Offer to reduce points for Increase Fine

This is common practice in New Jersey, a strong revenue stream for the local municipalities.
by stats99
Tue Mar 17, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: File taxes when none due?
Replies: 8
Views: 906

Re: File taxes when none due?

No, she attends college out of state.
by stats99
Mon Mar 16, 2020 7:13 am
Forum: Personal Consumer Issues
Topic: Water detection system
Replies: 15
Views: 944

Re: Water detection system

I bought Flo by Moen, of course after a leak and $15k damage. I went with Flo for the auto shutoff feature.
by stats99
Sun Mar 15, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes when none due?
Replies: 8
Views: 906

Re: File taxes when none due?

Thanks!
by stats99
Sun Mar 15, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: File taxes when none due?
Replies: 8
Views: 906

File taxes when none due?

My daughter (college student) filed State (NJ) taxes in 2018 as she was paid via 1099 and no taxes were withheld. She worked in NJ. In 2019 she received W-2 income from working out of state. Refunds were due from Feds and out of state. No taxes are due to NJ. Should she file NJ return? just to be "c...
by stats99
Thu Feb 27, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: The few who can use Plan B at all should not invoke it now
Replies: 13
Views: 2183

Re: The few who can use Plan B at all should not invoke it now

This is after a 13% drop, what happens after 30%? 50%?
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: 1155

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: 944

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: 8835

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: 9855

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: 4429

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: 4597

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: 1581

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: 1700

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: 7304

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: 7304

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: 7304

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: 1099

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: 1082

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: 1148

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: 2627

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: 1270

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: 2236

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: 1723

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: 13236

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: 16038

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: 170

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: 432

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: 820

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: 8955

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: 8955

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: 8955

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: 957

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: 14240

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: 948

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: 7452

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: 820

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: 820

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.