Search found 1351 matches

by earlyout
Mon Oct 29, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 20
Views: 1027

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: 19
Views: 1738

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: 901

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: 12487

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: 5744

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: 5744

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: 798

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: 634

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: 1098

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: 1441

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: 5313

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: 8573

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: 3192

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: 1372

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: Investing - Help with Personal Investments
Topic: Need to amend 2017 tax returns / Wrong IRA info ... advice?
Replies: 5
Views: 356

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: 7202

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: 8456

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: 1162

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: 3835

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: 5095

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.
by earlyout
Sat Apr 14, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 4299

Re: What percentage of you 2017 income can you account for?

Also track expenditures with Quicken. Cash, credit card and check outlay is all entered and categorized. Less than 0.5% in a misc. category.
by earlyout
Fri Apr 13, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Federal Tax Credit If Filing After Apr 17
Replies: 10
Views: 589

Re: Federal Tax Credit If Filing After Apr 17

I googled this situation and TurboTax indicates it is applied to your first quarter estimate. Entering it on Form 2210 as being paid in the first quarter should be the correct thing to do. IIRC that is the earliest date that can be used on Form 2210. https://ttlc.intuit.com/questions/1901277-how-do-...
by earlyout
Fri Apr 13, 2018 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Federal Tax Credit If Filing After Apr 17
Replies: 10
Views: 589

Re: Federal Tax Credit If Filimg After Apr 17

I'm not certain what you are asking. Do you want the IRS to hold your refund and apply it your taxes for 2018 income? If so, I think the IRS would consider it paid on the date you file your taxes. Until you actually file, the IRS does not know the exact amount of your refund.
by earlyout
Fri Mar 30, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 2182

Re: Applying for Medicare - now or later?

Suggest you talk to your benefits people in HR and make certain that your employee health plan does not require you to start Medicare Parts A & B at age 65. Many corporate health insurance plans require this and the employee plan is then your secondary/supplemental health insurer.
by earlyout
Sun Mar 25, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage and nursing home expenses
Replies: 15
Views: 1222

Re: Reverse Mortgage and nursing home expenses

I would strongly encourage you and your mother to meet with a competent elder law attorney to discuss her finances and to start planning on how to pay for her future care if and when needed. He should be able to answer your questions regarding qualifying for Medicaid assistance and provide informati...
by earlyout
Mon Mar 19, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 3078

Re: Cash Advance on Credit Car for $3K Car

I spoke with a local banker about small car loans / personal loans with a low monthly payment. I am in the process of buying my first car for under 3K. He advised me to go with a a 0%APR for 12 months credit card with no cash advance fees (he was not selling this-- they did not offer one). I have f...
by earlyout
Fri Mar 16, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 10880

Re: Need for Medicare supplemental plan?

Isn't it obvious that supplemental health insurance has to be losing proposition for the average individual? (Unless you need it of course.) Supplemental insurance is a commercial product and the insurance companies would not sell it unless they could make a profit. I can't self insure for a catastr...
by earlyout
Sun Mar 11, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6901

Re: Huge special assessment on Condo?

Having lived in condominiums for 30 of the past 40 years, I would walk away from any building that was 40% rental. The goals of absentee owners and resident owners are usually not the same and any repairs or improvements would become a major issue. With 40% of the units rented, 85% of the resident o...
by earlyout
Sat Mar 10, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Rent Vs. Buy Spreadsheet
Replies: 1
Views: 411

Re: Rent Vs. Buy Spreadsheet

Have you checked the NY TImes Rent vs. Buy calculator at their website? It is usually revised as needed to reflect current law but I do not know if it has been updated for the recent changes in federal income tax rules.
by earlyout
Sat Mar 10, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question on IRA deduction.
Replies: 5
Views: 452

Re: Tax question on IRA deduction.

No, you can only get credit for what you contribute to your IRA.
by earlyout
Sun Mar 04, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to recover 2016 income tax inappropriately withheld?
Replies: 7
Views: 432

Re: How to recover 2016 income tax inappropriately withheld?

Did your mother report the $5000 income and the $1000 income tax withheld on her income tax return for TY2016? If she did, there is no $1000 to recover since it was taken care of in that return. If she did not include them, she will need to file an amended return for 2016 and include the income and/...
by earlyout
Fri Feb 23, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What are you doing to prepare for dementia/alzheimers?
Replies: 60
Views: 6522

Re: Bogleheads: What are you doing to prepare for dementia/alzheimers?

Besides the POA for healthcare you might want to discuss and document how you would like to be taken care of as your dementia progresses. Guides for such end-of-life discussions are available -- "The Conversation Project" (use Google) and www.dementia-directive.org. I am not affiliated with either b...
by earlyout
Tue Feb 20, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains for two states
Replies: 3
Views: 380

Re: Capital Gains for two states

You should also study the instructions for the state income tax returns. Different states may not treat capital gain the same.
by earlyout
Tue Feb 13, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Question for TaxAide Volunteers
Replies: 10
Views: 1153

Re: Question for TaxAide Volunteers

When I was preparing the return for a Tax-Aide client yesterday it was a pleasant surprise to have carryover data from his last year's Tax-Aide return. The return from last year had not been done at our site but was from a different district in the same state. I was also surprised when there was no ...
by earlyout
Sat Feb 10, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 19
Views: 3320

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

[/quote] You might consider a slice for cash.. retired people can easily keep a meaningful slice of cash, money market & cash like CD's. [/quote] We often talk about AA as a simple ratio of fixed income and equities -- 60/40, 50/50 etc. Since there is an extra ring for the bond sector why not use "F...
by earlyout
Tue Jan 30, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1793

Re: Has anyone negotiated a medical bill to see a specialist?

The op states the specialist will take insurance so the first thing to do is to check if the specialist will take the op's insurance. If so, the op should pay his copay at the time of the visit and have the specialist submit the remaining amount to the insurance company. After the op receives the EO...
by earlyout
Mon Jan 29, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: 1099R error?
Replies: 6
Views: 590

Re: 1099R error?

I completed a return yesterday with a code 2 1099R distribution for converting a Vanguard traditional IRA to Roth. TurboTax handled it correctly by including the distribution in taxable income and not including a penalty for early withdrawal.
by earlyout
Thu Jan 25, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Bait-and-switch pricing. Where can I file complaint?
Replies: 17
Views: 2523

Re: Bait-and-switch pricing. Where can I file complaint?

You might want call Clark Howard's help line to get some advice with this problem. They handle a lot of travel questions. From Google: "Clark’s FREE call-in help line is here to provide you with personal consumer advice and problem resolution. Call the Consumer Action Center at 404-892-8227, Monday-...
by earlyout
Tue Jan 23, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Family dilemma involving wills/trusts
Replies: 24
Views: 2907

Re: Family dilemma involving wills/trusts

If you want to sever the relationship with your brother you will need to see an elder law attorney and ask about obtaining guardianship of your mother. It can be a messy process.
by earlyout
Thu Jan 18, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: CPA says home sale capital gains tax exclusion criteria changed for 2018?
Replies: 13
Views: 1739

Re: CPA says home sale capital gains tax exclusion criteria changed for 2018?

The 5 of 8 year idea was talked about but is not part of the new law. It is still 2 of 5. See -- https://www.washingtonpost.com/news/where-we-live/wp/2017/12/20/how-the-tax-bill-impacts-homeowners-buyers-and-sellers/?utm_term=.be958004dce0 or https://wtop.com/business-finance/2018/01/what-the-new-ta...
by earlyout
Mon Jan 08, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Roth conversions after start of SS benefits for low expense couples [2018 version]
Replies: 14
Views: 2076

Re: Roth conversions after start of SS benefits for low expense couples [2018 version]

Will the Roth conversions increase the amount of SS that is taxed? You may have to adjust the size of the Roth conversion to avoid all taxes.
by earlyout
Tue Jan 02, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Switching power of attorney
Replies: 19
Views: 1036

Re: Switching power of attorney

Okay. Does your state require separate documents or can they be combined? Oftentimes the agent named in one's healthcare POA is not the same person as the agent named in the financial POA.
by earlyout
Tue Jan 02, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Switching power of attorney
Replies: 19
Views: 1036

Re: Switching power of attorney

Whichever you chose to do, he will have to sign it in front of a notary. So make sure your brother understands what is happening beforehand and has a photo ID. Another place you might want to check to see if you were already designated as a back-up is to call his primary care doctor who should have...
by earlyout
Sun Dec 31, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Making Roth Conversion Today - how will it be treated?
Replies: 30
Views: 1930

Re: Making Roth Conversion Today - how will it be treated?

Given that the recharacterization is going away, any thoughts on a strategy to better predict what the year end distributions will be, given that some will be declared on the last day of trading? Estimate as close as you can as late in the year as possible. Then don't worry about a $1,000 shortfall...
by earlyout
Sat Dec 30, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should those who prepaid property tax, get a refund?
Replies: 5
Views: 947

Re: Should those who prepaid property tax, get a refund?

Did the assessment have a date on it? The assessment you found online is probably the 2017 assessment which was used to create this years tax bill. As the lady implied, your property will be reassessed in 2018 and that will be the basis of you tax bill for 2018. Just because you see an assessment on...
by earlyout
Sun Dec 24, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Cliff dwellers: Don't forget to increase taxable dividend income by foreign taxes paid
Replies: 22
Views: 2632

Re: Cliff dwellers: Don't forget to increase taxable dividend income by foreign taxes paid

In this regard, how can I get a good estimate of the capital gain distributions that will be paid by VTI and IJS? Also, is there a date associated with payment of capital gain distributions or can I assume it is a fixed percentage of the quarterly dividends? Since it has been a boom year for equitie...
by earlyout
Tue Dec 12, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Relo Expenses Tax Question for remote
Replies: 3
Views: 485

Re: Relo Expenses Tax Question for remote

Life is all about choices.

Suggest you post your question on the Fairmark forum at fairmark.com. Fairmark is a tax forum and you can usually get good answers fairly quickly.
by earlyout
Tue Dec 12, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare coverage process for new and rare treatment
Replies: 7
Views: 849

Re: Medicare coverage process for new and rare treatment

Suggest you first call Medicare and talk to them about whether or not they pay for the procedure and how much they pay. If they do, your second call is to the provider for this procedure to find out if they accept Medicare assignment for the procedure. Also ask if the auxiliary providers -- hospital...
by earlyout
Tue Dec 12, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Relo Expenses Tax Question for remote
Replies: 3
Views: 485

Re: Relo Expenses Tax Question for remote

Get married by the end of the year and the problem goes away.