Search found 6373 matches

by pshonore
Sat Jul 21, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Furniture sliders
Replies: 10
Views: 526

Re: Furniture sliders

Be sure you get the kind with the rubber bottoms. They will prevent the furniture from moving around.
by pshonore
Sat Jul 21, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 29
Views: 2106

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

Ashley furniture is lower end, comparable to Rooms to Go, better than Walmart. I would buy tables or shelving units there, but I wouldn't purchase a piece of furniture that will take heavy abuse, such as a sofa, there. You can spend a little more and move up into the Pottery Barn, West Elm, etc., c...
by pshonore
Sat Jul 21, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 19
Views: 1194

Re: Garage door experts

This is good practice for the next time the power goes out and you need to get out of the garage.
by pshonore
Wed Jul 18, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 34
Views: 2651

Re: How Unclaimed Property Laws Can Affect Retirees

Does simply logging in to check balances (or just that the money is still there) count? Or does one need to make changes to something? IF automatic distributions, such as RMD's do NOT count.. WOW... this is a time bomb waiting to zap a lot of people, and older people disproportionately. I see they ...
by pshonore
Wed Jul 18, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 1295

Re: Question about new construction basement houses

$26 a SF for 1,000 extra feet sounds like an excellent deal if your finances allow it. When Realtors are comparing homes for buyers, SF cost is a key figure for tax purposes and resale. If your proposed area is one where contractors are closer to taking orders than selling homes, I would want to ch...
by pshonore
Tue Jul 17, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 15
Views: 2118

Re: Hardwood Floors

There's been lots of consolidation in the hardwood flooring business. Bruce and Armstrong are now one company. Rather than company, focus on type of floor. Engineered looks great, but despite what is advertised, they cannot be refinished so figure a 20 year life in wear areas. Solid floors can be r...
by pshonore
Tue Jul 17, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Contributions for Solo 401k
Replies: 4
Views: 288

Re: Employer Contributions for Solo 401k

A portion of my income is 1099 money and I have a Solo 401k. I am trying to figure out the employer side of contributions. I have heard that you can contribute 20% of your income for the employer side. I have seen Publication 560 that was published in March 2018. However, that was for the 2017 tax ...
by pshonore
Mon Jul 16, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 311

Re: Any guidelines on going pre or post tax for pension HAS.

I would ask the HR folks (or the union rep if you have one) how that provision (pension based on pay after Sec 125 deductions) came to pass. That's a new one on me. Section 125 plans have probably been around for 30 years or so.
by pshonore
Mon Jul 16, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 311

Re: Any guidelines on pre/post tax with HAS (pension).

My pension will be based on three highest years of salary. I've got five years before retirement but I might be in my highest HAS years now. Today, I elected to pay dental insurance post tax. It's about $700 a year for me and the kids. I calculated that I could lose out on about 15k worth of pensio...
by pshonore
Mon Jul 16, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Help me analyze this real estate sale
Replies: 15
Views: 958

Re: Help me analyze this real estate sale

You have been claiming depreciation on the rental, correct? That portion will likely not be taxed at CG rates.
by pshonore
Mon Jul 16, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Investing in oil?
Replies: 13
Views: 894

Re: Investing in oil?

Also most commodity ETFs reports taxes on a K1 which will not simplify your taxes. Quite the opposite.
by pshonore
Mon Jul 16, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Suggestions For Re-attaching a Closet Handle
Replies: 22
Views: 738

Re: Suggestions For Re-attaching a Closet Handle

Whats on the back side of the door? What holds it closed? In the old days, there would be an identical handle on the inside of the door (which is really not necessary for a closet unless someone winds up in the closet with a closed door; even then there should be a release mechanism). Its hard to te...
by pshonore
Sun Jul 15, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1457

Re: Do insurance agents add value? How?

The term independent agent and broker are used interchangeably at least for CP business written through the independent agency system. Typically an agent would have a contract with probably 3 or 4 of the large national carriers, (The Hartford, Travelers, Farmers, etc) as well as some of the smaller ...
by pshonore
Thu Jul 12, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Couple Early Retirement
Replies: 29
Views: 2332

Re: Health Insurance for Couple Early Retirement

If enrolling in ACA be sure to check if your doctors (and hospitals) accept it. Depending on the state, not all do. If you don't mind switching, thats a moot point.
by pshonore
Wed Jul 11, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12873

Re: What are your property taxes?

Murfreesboro, TN (Nashville) Assessed Value of home $425K ($520K real value) Annual prop Tax bill - $3980 Just got a notice its going up...homes have increase about 10% a year the last few years. But if homes go up 10% or whatever in a year(s) why does government spending need to go up by the same ...
by pshonore
Wed Jul 11, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of tax professional to look for?
Replies: 14
Views: 827

Re: What kind of tax professional to look for?

You might try to find an Enrolled Agent.
by pshonore
Wed Jul 11, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 35
Views: 2746

Re: Thought on replacing roof before sale?

In my opinion, the bulk of ice dams are caused by passage of warm air through ceilings into attics with poor insulation and/or poor ventilation. Just replacing the roof may not solve that although the fact that the roof leaked during a thunder storm may indicate something else (assuming no gutter o...
by pshonore
Wed Jul 11, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2741

Re: [Small, Portable, and Ductless Air Conditioners]

I don't think I have ever heard of a ground source retrofit where there wasn't already existing ductwork. The only one I am familiar with was as suggested by Alf 101: This was essentially drilling a well with a sufficient flow rate. They had major hassles getting federal and state regulatory approv...
by pshonore
Wed Jul 11, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 35
Views: 2746

Re: Thought on replacing roof before sale?

You can just do a "re roof" with contractor grade shingles. You do not need to go overboard with spending. If there are 2 layers, some contractors will put a third. Others may recommend a tear out down to deck and then reroof. You do not need to do anything but a basic reroof at that point. No upgr...
by pshonore
Wed Jul 11, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 35
Views: 2746

Re: Thought on replacing roof before sale?

In my opinion, the bulk of ice dams are caused by passage of warm air through ceilings into attics with poor insulation and/or poor ventilation. Just replacing the roof may not solve that although the fact that the roof leaked during a thunder storm may indicate something else (assuming no gutter ov...
by pshonore
Wed Jul 11, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2072

Re: Tool cabinets?

I might drop by Harbor Freight & check out the tool boxes. Sign up for their mailer. They frequently have 20% off coupons. If you read the tiny print on the 20% off coupon, it does not apply to a lot of things including storage cabinets, chests, or carts as well some of the "higher end" private bra...
by pshonore
Wed Jul 11, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1568

Re: Disappointed with Fidelity's Online Interface

issue 1:Account history can be grouped by last 10 days, last 30, last 60, last 90, by calendar quarter or a custom period as another poster suggested issue 4: Click on "positions" and you'll see all holdings (for that account). Click on a holding and click on positions to see all transactions for th...
by pshonore
Wed Jul 11, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: RMD + Federal taxes
Replies: 19
Views: 1455

Re: RMD + Federal taxes

This will be my first year of RMD, and with the new tax structure it is rather difficult for me to estimate how much I will have to pay for taxes. I ran the mortgage calculator using 2017 info as to: Tax exempt interest Ordinary dividends Qualified dividends Short and long term capital gains It cam...
by pshonore
Sun Jul 08, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5366

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

US dealers recommend 5 years for the most part. I understand about brake fluid boiling potential with water intrusion - when we ran cars on the track we always were concerned about that and often utilized hydrophobic fluids. We could see the rotors glowing red when running hard laps. I am just wond...
by pshonore
Sun Jul 08, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5366

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I must be lucky - just checked the Owners Manual for my 2014 Ford Expedition. Only recommended fluid changes (outside of engine oil) are for engine Coolant (@ 105,000 miles) and ATF (@ 150,000 miles). I still think for most vehicles in normal use changing brake fluid is a dealer profit center. Howev...
by pshonore
Sun Jul 08, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10325

Re: What I spent in 6 months on medicare

OK - $2932/6 = $489/month for both or $244 per person per month. You each would pay at least $134 for Part B - leaving $110 for Medigap AND Part D....... Not necessarily. You are forgetting that although $134 is supposed to be the minimum Part B premium - that little detail of the "hold harmless" p...
by pshonore
Sat Jul 07, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5366

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Is this your first oil change? Not changing the oil for 3 years may not be the best idea - particularly since your car may not be not getting up to full operating temperature on your short trips. I try to go every 12 months which is about 6K for me.
by pshonore
Fri Jul 06, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest quality online tax preparation software?
Replies: 8
Views: 369

Re: Cheapest quality online tax preparation software?

Turbo Tax Deluxe (CD/Download) which in my opinion is heads and shoulders above the rest should be about $30 - $35. You don't need Premier, Home and Office, etc. Of course others will have different opinions.
by pshonore
Fri Jul 06, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2741

Re: [Small, Portable, and Ductless Air Conditioners]

Unfortunately our house has baseboard heat, and is not ducted, making a central air system difficult. I suppose a couple of window units, and endurance, are also viable options... If your house has an accessible crawl space or basement or attic you might consider a central unit although running all...
by pshonore
Fri Jul 06, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 1985

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

Sounds like a no-brainer to me. Pay the $200 for the month and be done with it. Likely you'll have no claims but still have some coverage if you do.
by pshonore
Thu Jul 05, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Closing Thursday but new house wall damaged by seller’s mover
Replies: 16
Views: 2359

Re: Closing Thursday but new house wall damaged by seller’s mover

It is an old house (1930s) not sure if it has anything to do with the drywall finishing? What issues I may encounter down the road because of drywall finishing? Ask them for $100-$200 to have someone come out fix it. If they don't agree I wouldn't sweat it. It looks easy enough to repair. More conc...
by pshonore
Thu Jul 05, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5396

Re: Rodents ate my car!

Rodents love my Subaru. I've had a squirrel pack the engine compartment with straw, a mouse nest in the engine air filter box, and twice had a mouse nest on top of the cabin air filter in my Subaru. The filter got soaked with urine so the smell coming from the vents was the sign of trouble. I cover...
by pshonore
Thu Jul 05, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Cannot install hardwood on curved floor?
Replies: 15
Views: 1197

Re: Cannot install hardwood on curved floor?

There will certainly be more waste and more labor (cutting and perhaps templating) but it can be done. Although I have found the skill level of the "non-licensed" trades to be declining
by pshonore
Thu Jul 05, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4048

Re: Is there a current car without a console between the front seats?

My 2014 Ram pickup had a center console that folded up to accommodate a third passenger very well in the front seat. Probably much bigger that what you want though.
by pshonore
Wed Jul 04, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78244

Re: [What TV Show Have You Recently Watched?]

BigFoot48 wrote:
Wed Jul 04, 2018 10:28 am
"A Very English Scandal", a 4-part BBC true story starring Hugh Grant, was very good. Amazon Prime
Good show but I only saw 3 parts; at least that's what aired on Amazon Prime this week
by pshonore
Wed Jul 04, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio's income effects on Social Security [When to take Social Security?]
Replies: 5
Views: 762

Re: Portfolio's income effects on Social Security [When to take Social Security?]

I am hopeful that someone can help with what may be a pretty basic question for most on this forum. I am retiring at age 62. My wife, who is two years younger, also is retiring. We are not sure about when to take Social Security. We have about 1.1m in Retirement Accounts and 2.4 in brokerage accoun...
by pshonore
Tue Jul 03, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4222

Re: Will I ever be able to itemize?

Be careful what you wish for. Yes, you might wind up itemizing in the future if you have catastrophic casualty losses in a federally declared disaster area or catastrophic unreimbursed medical expenses (e.g., if you or a family member develops a disabling condition that requires an extended stay in...
by pshonore
Tue Jul 03, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3304

Re: How do I fix my heating bill?

If you ever decide to go with Propane, be sure you own any tank that is installed. Otherwise you're at the mercy of the supplier who has no incentive to give you a competitive price.
by pshonore
Tue Jul 03, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 112
Views: 7616

Re: AAA? What to do in car emergencies?

I doubt most insurance companies will raise your liability rates for that sort of thing. My insurance company assures me that is their policy. So are you going to keep the insurance roadside assistance? I asked Geico they confirmed that generally those claims are not reported! But I haven't made up...
by pshonore
Tue Jul 03, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 112
Views: 7616

Re: AAA? What to do in car emergencies?

Two points about AAA. First, it covers any vehicle you're in, not just your normal vehicle. Don't know if manufacturers RA works like that. Second I discovered while making hotel reservations one time that AAA had roughly the same rates as the online "wizards", but the AAA rate was fully refundable ...
by pshonore
Tue Jul 03, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2842

Re: How Not to be a Slave to my Wood Deck?

Ipe is a great choice for decks. Let it weather naturally to a silver gray color. However, while the decking its not cheap, the railings etc if you stick with Ipe are quite expensive.
by pshonore
Tue Jul 03, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12873

Re: What are your property taxes?

Connecticut: $7,800 Property Tax - Value approx $350k. ... leaving CT ... - was it something we taxed? Lets remember that states with high per capita income (NJ, MA, CT, etc), pay out high salaries to public employees and provide very lucrative pensions and benefits. Average teachers salary in CT i...
by pshonore
Tue Jul 03, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Assisted living move for my elderly parents
Replies: 8
Views: 1267

Re: Assisted living move for my elderly parents

Wishing you and your folks all the best! When planning for costs and fees I suspect their LTC policy will only pay for some of their expenses. For example, my LTC policy with Northwestern states: Qualified Long-Term Care Services do not include any of the following items: Physician's services; pres...
by pshonore
Sun Jul 01, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax questions for newbie to single member LLC
Replies: 8
Views: 532

Re: Tax questions for newbie to single member LLC

Hi all, Here's my basic question: IS there anything I should be aware of/doing right now with an expected ~25k additional income from my single member LLC in 2018? My business has taken off quickly after starting in last October 2017 and right now I'm on pace to do at least 24k extra with the busin...
by pshonore
Sun Jul 01, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12873

Re: What are your property taxes?

In NJ (Monmouth County), my taxes are ~$10,000/yr. I was recently hit with a $2,000 increase in 2017. In NJ, there is a law on the books that the "rate" can only increased no more than 2% annually without special approval by the state. However, in my area they actually re-accessed the land and stru...
by pshonore
Sun Jul 01, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12873

Re: What are your property taxes?

Connecticut: $7,800 Property Tax - Value approx $350k. ... leaving CT ... - was it something we taxed? Lets remember that states with high per capita income (NJ, MA, CT, etc), pay out high salaries to public employees and provide very lucrative pensions and benefits. Average teachers salary in CT i...
by pshonore
Sat Jun 30, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 2
Views: 567

Re: Social Security Benefits

When a woman does not have the 40 credits required to get retirement benefits on her own, is she still able to get 1/2 of the benefits that the husband receives and then his benefit when he dies? Can she also enroll in Medicare under his benefit? That depends. If a spouse never worked, then the ans...
by pshonore
Fri Jun 29, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3196

Re: States that are investments/tax unfriendly?

Connecticut is also regarded as high tax state but I think thats incorrect. CT starts with Fed AGI and adds out of state muni interest, subtracts Federal interest, state 529 plan contributions; a max of 25% of SS is taxed; no tax on military pensions. MFJ couple with 200K of CT AGI pays $10420 (5.2%...
by pshonore
Fri Jun 29, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 54
Views: 2741

Re: Ductless Mini Split AC

I installed, actually paid to have installed, a Ductless Mini Split AC system (really a heat pump) a few years ago. Our house is mostly heated by gas fired steam. But I've started using the split system when temperatures are above 40 outside. That seems to be the break even point when electricity i...
by pshonore
Fri Jun 29, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: HSA/Dependent Care FSA & Changing Jobs
Replies: 1
Views: 146

Re: HSA/Dependent Care FSA & Changing Jobs

We haven't incurred any daycare expenses yet as my wife goes back to work in September at which time our 11 MO son will start daycare. We don't use our HSA funds and just pay for any medical expenses out of pocket. As a result, there are several thousand dollars in each of these accounts. Will I st...