Search found 1380 matches

by earlyout
Wed Nov 27, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Disappointed in Silvercar by Audi
Replies: 11
Views: 1145

Re: Disappointed in Silvercar by Audi

If I underestand you post correctly, you were 8 minutes early checking in the car. You knew it was a 2 days free for a 4 day rental. Why didn't you just wait for 10 minutes before turning in the car and make it a 4 day rental?
by earlyout
Sun Nov 03, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Water damage incident is giving me heartburn - please help
Replies: 14
Views: 2039

Re: Water damage incident is giving me heartburn - please help

Where do you live? The laws governing this type of damage vary from state to state. I own a condo in Georgia and have had similar flooding incidents 3 times in the last 8 years. Since it was impossible to prove negligence on the part of the HOA or of the owners of the condos above me where the water...
by earlyout
Sun Nov 03, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Phone tech support
Replies: 6
Views: 393

Re: Phone tech support

If your carrier is Consumer Cellular just call their customer support number. They will send you a sim card for free and talk you through installation of the sim card (about a 2 minute operation). They will then assist you in moving the data from your old phone to your new phone. I recently went thr...
by earlyout
Fri Oct 25, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1362

Re: Where do you buy eyeglass frames online?

Regarding quality of lenses with EBD and Zenni, I have 4 or 5 pairs of glasses,some from Zenni and some from EBD. I don't know the source of any one pair without going back and looking at my records. I have excellent vision with my glasses and when I change from one pair to another, be it Zenni to e...
by earlyout
Sun Oct 20, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Staying Above The ACA 138% Poverty Level
Replies: 7
Views: 1390

Re: HELP WITH STAYING ABOVE THE ACA 138% POVERTY LEVEL

Your assumptions about what is included in ACA MAGI are correct and yes, a distribution from a tradiotional IRA that is converted to a Roth IRA would be included in the ACA MAGI.
by earlyout
Fri Oct 11, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 66
Views: 8511

Re: What’s the proper way to pay yourself in retirement?

I try to keep it very simple. My cash needs vary throughout the year so when I need cash I rebalance by selling whatever asset is ahead at that time and move the proceeds to the checking account. This has worked well for about 20 years so I see no need to make it complicated. It also allows me to be...
by earlyout
Fri Oct 11, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1552

Re: iPhone question - purchase

I would order from Apple for the various reasons given above. After you place the order, call Consumer Cellular and tell them you need a new SIM card for the Apple. They will send it to you for free (sometimes via FedEx overnight) and talk you through installing the SIM card in the new phone and tra...
by earlyout
Fri Sep 13, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Atlanta area - relocation, questions
Replies: 7
Views: 665

Re: Atlanta area - relocation, questions

Like most real estate decisions -- location, location, location. You mentioned north and west of downtown Atlanta. From the airport that could be anywhere from 10 to 100 miles so you have to help us by pinpointing your desired location a little closer. Your primary purpose here is to help a family m...
by earlyout
Thu Sep 05, 2019 7:12 am
Forum: Personal Investments
Topic: ABMD (Abiomed) Stay or cut losses?
Replies: 7
Views: 611

Re: ABMD (Abiomed) Stay or cut losses?

Do you have anything other than your emotional attachment to this stock that makes you want to keep it?

The best question remains the same. If you had the equivalent cash today would you buy the stock?
by earlyout
Sat Aug 31, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5270

Re: Cash & Checkbook Register Reconciliation

I use a checking account at a B&M bank as a depository for funds I use to pay bills. Almost all bills are paid automatically but I still write 2 or 3 checks each month. Several years ago I developed an Excel spreadsheet that is my check register. It gives both the actual balance and the balance show...
by earlyout
Fri Aug 09, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18763

Re: Are you a "solo ager?"

Another recent bit addressing the same issue.

https://www.nextavenue.org/solo-agers-f ... PnubeY3qEM
by earlyout
Wed Jul 24, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Confused about above the line AGI deductions...
Replies: 12
Views: 948

Re: Confused about above the line AGI deductions...

When your medical insurance is part of your employee benefit plan, health care premiums are deducted from your pay and not included in your taxable income. An above the line deduction if you want to think of it that way. Medical insurance premiums you pay out of your pocket are a medical expense and...
by earlyout
Wed Jul 24, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: The Bucket Approach
Replies: 74
Views: 6385

Re: The Bucket Approach

to bucket, or not to bucket, that is the question: whether 'tis nobler in the mind to suffer the task of filling and emptying one's buckets, or to go bucket-less against a financial sea of troubles.... in general, me thinks the bucket approach being good or bad, or useful or not (with or without va...
by earlyout
Wed Jul 24, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Medical expense deduction question
Replies: 10
Views: 978

Re: Medical expense deduction question

The distribution from the regular 401k funds will be treated as regular income and subject to taxes (and a penalty). ( EDIT See next response, penalty may be waived.) It doesn't matter what the money is used for since dollars are fungible. You mention you have the choice of using Roth or regular 401...
by earlyout
Sun Jul 21, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Optimized Roth Conversion Model
Replies: 39
Views: 5079

Re: Optimized Roth Conversion Model

Very interesting work. Thank you. It appears you are judging the results of different scenarios by looking at the total of the values of your accounts at the end of your study period. When doing this, do you use just use the account balances in the traditional IRAs or do you discount these IRA amoun...
by earlyout
Wed Jun 19, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1186

Re: How to take care of this mold in the bathroom

1. Find and fix where water is getting from the shower to the wall/baseboard. 2. Remove old caulk where the shower door frame meets the wall and where it sits on the shower tray. 2. Remove the damaged/rotted base trim on the damaged wall, clean and repair the wall, install new trim along the wall, r...
by earlyout
Tue Jun 11, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1439

Re: How best to give broker payment to get apartment and win a race

I wanted to pay someone $4500 in a hurry recently and used Zelle. Even though the limit on a Zelle payment at my bank (Wells Fargo) is $2500 I found that if I could send an "expedited" payment for $2100 and a "pay now" payment for $2400 within minutes of each other. Don't know if that will still wor...
by earlyout
Mon May 27, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Blended Family Issues and Keeping Things Equal
Replies: 38
Views: 3444

Re: Blended Family Issues and Keeping Things Equal

And for the sake of your relationship, make sure you discuss all of this with your wife.
by earlyout
Sun May 19, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5169

Re: Social Security replacement annuity -- Is there such a product?

Perhaps, at the death of the first spouse, purchase an annuity to provide the lifetime income needed or desired. This. With what money? I thought it was obvious, but I was looking for a solution that hedged or transferred risk (in exchange for an up-front premium). You know, like insurance. Unless ...
by earlyout
Sun May 19, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 487
Views: 51306

Re: Selling Home: Demanding Buyer Part 2 (picture)

The buyer thinks it is a problem and wants to get it checked out. If I were selling the house I would do what the buyer asks. If the sale falls through, the next potential buyer may request the same thing since it looks like an obvious problem. (It may be as simple as a little emory cloth and a can ...
by earlyout
Fri May 17, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - Structure and schedule of financial support for heirs
Replies: 7
Views: 1094

Re: Estate Planning - Structure and schedule of financial support for heirs

As mentioned above, it will be a much more productive meeting with your attorney if you write down exactly what you want to accomplish with your estate, not how to do it. Discuss your objectives the the attorney and let the attorney decide the best method to accomplish your goals.
by earlyout
Sat Apr 20, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Replacing heat pump & duct work
Replies: 7
Views: 762

Re: Replacing heat pump & duct work

Cost will depend on several factors before we can comment on your estimate. How big is your house? Single zone or multiple zones? What is the size of your old compressor and your old air handler? Are the quoted items the same size? What is the efficiency rating of the new compressor? One, two or var...
by earlyout
Mon Apr 01, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is Georgia 65k Retirement Income Exclusion allowed for Roth Conversion
Replies: 5
Views: 533

Re: Is Georgia 65k Retirement Income Exclusion allowed for Roth Conversion

I have been making Roth conversions here in Georgia for several years. IRA distributions that are converted to a Roth IRA are treated the same as any other IRA distribution. They are included in total income as "Taxable IRA Distributions" but can be part of the $65,000 retirement income exclusion th...
by earlyout
Mon Feb 25, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: QBI from a 1099
Replies: 5
Views: 449

Re: QBI from a 1099

Net profit from Schedule C is considered qualified income.
by earlyout
Tue Feb 12, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35340

Re: Tax 2018: Shock and Awe

Not quite postcard size. The largest postcard accepted by the U.S. Post Office is 4.25" x 6" (25.5 sq in). This years 1040 tax form is a half sheet of paper 8.5" x 5.5" (46.75 sq. in.).
by earlyout
Tue Feb 05, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to have spouse take Medicare instead of private health insurance?
Replies: 14
Views: 875

Re: When does it make sense to have spouse take Medicare instead of private health insurance?

First of all, I would make certain that your company does not require employees and/or dependents to have Medicare as their primary medical insurance when they turn 65. Most big companies require this and the company then provides or subsidizes secondary medical insurance. Also, keep in mind that wi...
by earlyout
Thu Jan 03, 2019 9:07 pm
Forum: Personal Investments
Topic: Am I forced to use Tax Loss Harvest offsets this year?
Replies: 4
Views: 529

Re: Am I forced to use Tax Loss Harvest offsets this year?

Any taxable income, dividends and interest, Social Security, self employment or earned income, will be offset up to $3000 by the capital loss. You do not get to choose when you use it.
by earlyout
Thu Jan 03, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: HE Washer/Dryers - What do you have..are you pleased?
Replies: 33
Views: 2623

Re: HE Washer/Dryers - What do you have..are you pleased?

Ours is an HE Maytag top loader for the past 3 years. No trouble at all. As others have noted, it can't be opened once a cycle starts, it has no agitator and appears to use almost no water but clothes always come out clean and fresh using cold water and Tide. No complaints. The gas dryer is a 20 yea...
by earlyout
Tue Dec 25, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Automating expense tracking
Replies: 37
Views: 2923

Re: Automating expense tracking

My suggestion for saving a lot of your wasted time is to stop using so many accounts. Can't you cut back to 1 or 2 credit cards and 1 or 2 bank accounts? I have kept track of daily expenses for many years and I find the time to maintain my data files seems to go up exponentially with the number of c...
by earlyout
Mon Oct 29, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 21
Views: 1842

Re: E911 Service

Since Google Voice does not provide 911 service I use voip.ms to support my OBi interface. It costs me about $25 per year including e911. voip.ms has been very reliable and high quality for the 5 years or so that I have used it.
by earlyout
Fri Oct 19, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Fairmark Forum (Tax Forum)
Replies: 23
Views: 2521

Re: Fairmark Forum (Tax Forum)

When I registered for the new forum I used a different user name and email address than I had used for the old forum. I went back and looked for a place to log in to the new forum using my new credentials but could find nothing. Alan S. has a post on the new forum so perhaps he will chime in here or...
by earlyout
Fri Oct 12, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Add-on Hot water Heat pump
Replies: 12
Views: 1015

Re: Add-on Hot water Heat pump

What's the purpose of the heat pump? Wouldn't they have to be almost 100% efficient to save any energy?
by earlyout
Mon Aug 20, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13510

Re: Excessive Emergency Room Charges - Options?

What kind of health insurance do you have? ER visits are usually expensive and In a true emergency, most insurers will cover both in-network and out-of-network facilities. Since the billing agrees with the EOBs from your insurance company and there are still sizable amounts due, it appears you have ...
by earlyout
Sun Aug 12, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 6895

Re: Medicare Supplement Companies

I am going on Medicare soon and am wondering which of the following companies, if any, you can recommend. How have the price increases been on your policy? I plan on purchasing Plan G from either Cigna, Mutual of Omaha or AARP United Healthcare. Cigna and Mutual of Omaha are around $105. The AARP p...
by earlyout
Sun Aug 12, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 6895

Re: Medicare Supplement Companies

I am going on Medicare soon and am wondering which of the following companies, if any, you can recommend. How have the price increases been on your policy? I plan on purchasing Plan G from either Cigna, Mutual of Omaha or AARP United Healthcare. Cigna and Mutual of Omaha are around $105. The AARP p...
by earlyout
Sun Aug 12, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 858

Re: Why do two monitors with the same resolution display differently?

I have a new 13" laptop with a 1080 x 1920 screen. The default scale factor in a new Win10 install for this display is 150%. The default scale factor on the same machine for a 24 inch 1200 x 1920 display is 100% and the big monitor displays a lot more information. I have not measured how much more b...
by earlyout
Thu Jul 26, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Home insurance - high impact shingles
Replies: 4
Views: 698

Re: Home insurance - high impact shingles

Why don't you ask your roofer for the address of a house near you that has a high impact composite shingle roof that was installed before the hail storm that damaged your room a year ago? Does that composite shingle roof appear to be damaged? Was it replace?
by earlyout
Mon Jul 09, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 1187

Re: Cost of adding AC and change pipes to old house

We need a lot more information before we could even guess the costs. Is there a basement? Is there an attic to provide access to the ceilings on the second floor? What size (how many amps) electric service do you have? Does your present furnace have duct work or is it radiant heating of some kind? D...
by earlyout
Tue Jul 03, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Assisted living move for my elderly parents
Replies: 8
Views: 1606

Re: Assisted living move for my elderly parents

You mention that memory loss is already a problem so a move to memory care may be much sooner than you think. Does this ALF have a memory care unit? What criteria does this ALF use to decide if a person should move to memory care? What are the costs for memory care? Will your parents be separated wh...
by earlyout
Mon Jun 11, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 57
Views: 5863

Re: Water heater installation situation

The first question to answer is why is it installed on a platform? Is it up from the floor because of potential flooding or for some other reason? If there are good reasons why the new water heater should not sit on the floor ask the contractor what kind of platform or stand is allowed by code. My g...
by earlyout
Sat May 19, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 9452

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

One must be careful in discussions like this with the terminology being used. I wonder if the person quoted by the OP was talking about dementia or was he talking specifically about Alzheimer's disease? If he was talking only about Alzheimer's Disease, I think he was using wildly inflated numbers. I...
by earlyout
Tue May 08, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 5006

Re: 36" or 42" wide Refrigerator?

You mention your current 36" is 25.5cu. ft. I'm guessing it is not counter depth. It is unlikely you can get that much space in a counter depth 36". I have a 42" built-in side by side and it is 25 cu ft. If you can get by with less storage than you have now a 36" counter depth would be an attractive...
by earlyout
Sat May 05, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1698

Re: Tax software

Nothing unusual about your situation and any readily available tax software should do the job. If you have a favorite tax software or one you have used in the past, I'd stay with that software. Don't forget that the standard deduction doubles next year and that will allow you to convert more of your...
by earlyout
Mon Apr 30, 2018 4:41 pm
Forum: Personal Investments
Topic: Need to amend 2017 tax returns / Wrong IRA info ... advice?
Replies: 5
Views: 480

Re: Need to amend 2017 tax returns / Wrong IRA info ... advice?

If you insist on doing it yourself my suggestion would be to get a copy of 2017 TurboTax for you PC. You will first have to recreate the 2017 returns that were completed by the account and then use TurboTax to create the amended returns and the 1040X you need. Doing this all by hand when you have ne...
by earlyout
Mon Apr 30, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 9911

Re: Alternatives to Sansa Clip+ MP3 Player

I never had an iPhone or iPod or iPad. I have purchased two Android smartphones, one in 2013 and the other in 2017. Both are still in the boxes they arrived in. One day, I will unpack one of them. Or may be I'll buy the third one. I have several laptops but they all are rather large and I am lookin...
by earlyout
Mon Apr 30, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 77
Views: 10211

Re: Medicare Advantage vs. Supplemental

I had an interesting experience with an offer for an "in home physical" sponsored by my Medicare Advantage insurer last year. The physical would be free to me (paid for by Aetna). I called the group that would be doing the physical to inquire whether or not the results of the physical would be share...
by earlyout
Mon Apr 30, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: How to price condo for private sale?
Replies: 14
Views: 1399

Re: How to price condo for private sale?

Why don't you each hire a professional appraiser to give you a current value of the property and then negotiate the difference between the two appraisals?
by earlyout
Thu Apr 19, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 29
Views: 4880

Re: Master Bath remodel price?

Price is on the high side IMO for 130 sf bath but a lot depends on the quality of the tile, cabinetry and fixtures you plan to use. Moving the toilet is a major expense and may involve taking down (and later repairing) the ceiling below the bathroom to rearrange the plumbing.
by earlyout
Mon Apr 16, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 6545

Re: Can I *not* claim all the state tax in my itemized deduction?

Okay so you don't include the excess on Schedule A. The state already has the money and your state return will include the amount w/h for state taxes which is more than the tax owed. You will get a refund and a 1099-G. It is the 1099-G that makes it reportable income.