Search found 84 matches

by rh00p
Wed Nov 06, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 127
Views: 10151

Re: Turbotax 2019 on Amazon

It seems tax year 2019 will be the last for TurboTax desktop. You can still use the online version but the last time I did it was $35 more then the same year's download😡 Where does it say this? "TurboTax for tax year 2019 will install on Windows 7, but when TurboTax for tax year 2020 is released, a...
by rh00p
Wed Nov 06, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 127
Views: 10151

Re: Turbotax 2019 on Amazon

phxjcc wrote:
Wed Nov 06, 2019 2:57 pm
dual wrote:
Wed Nov 06, 2019 2:49 pm
BTW, TTAX no longer supports Windows 7 :x
WRONG WRONG, AND WRONG!

https://www.intuit.com/support/windows-7-end-of-life/
It seems tax year 2019 will be the last for TurboTax desktop. You can still use the online version but the last time I did it was $35 more then the same year's download😡
by rh00p
Thu Oct 10, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 1921

Re: Credit Card Statements-Save Paper Ones? Electronic?

For security reasons I always disable paper statements ASAP. Sometimes it seems my postman is as reliable as when I was a 13 year old paperboy. Receipts for tax deductible purchases are saved and I've been photographing them with my phone as well.
by rh00p
Thu Oct 10, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1576

Re: Keep car entertainment system with fast clock or get refurbished one?

When I was a mechanic at a dealership there were many modules, controllers, instrument clusters and radios I replaced under warranty that were refurbished. They looked and worked better than new. Many of you have had such components replaced under warranty with what you presume to be a brand new com...
by rh00p
Mon Oct 07, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Bond Trap?
Replies: 4
Views: 922

Bond Trap?

Yes another cautionary bond article but it's a good, easy read with valid points. As a fairly new BH with nine years to go was wondering what there is to be said.

https://heritagewealthplanning.com/be-c ... bond-trap/
by rh00p
Thu Oct 03, 2019 10:01 am
Forum: Personal Investments
Topic: Tax loss harvesting
Replies: 12
Views: 795

Re: Tax loss harvesting

Anyone know if TLH applies if you claim the standard deduction on your income taxes?
by rh00p
Fri Sep 27, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6360

Re: Do you wash berries?

I give my berries a 5-minute bath in a vinegar / water solution, cold water rinse then into the salad spinner.

The pH kills any spores and allows me to store them long enough where they'll wilt and dry out if not consumed. I make a fruit smoothie everyday so I tend to buy larger quantities.
by rh00p
Sun Sep 22, 2019 11:30 pm
Forum: Personal Investments
Topic: Does pension income affect Social Security taxes?
Replies: 12
Views: 1703

Re: Does pension income affect Social Security taxes?

Can anyone confirm that a NY teacher pension counts or does not count as income for Social Security? NYCERS member here with 9 years to go and yeah it does. AGI, tax deferred income and even miscellaneous incomes like alimony are included to determine your provisional income . Then an indexed scale...
by rh00p
Wed Sep 18, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: My Implant Dilemma
Replies: 2
Views: 1024

My Implant Dilemma

Four months ago I had a dental implant put in but last week during a final check there was discomfort when my dentist tested it. Otherwise the implant went well. So it was removed and more graft to fill the hole for a second try. Since he already has $2,500 of my money, when I go back tomorrow to ge...
by rh00p
Fri Sep 13, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4306

Re: Best Leaf Blower?

If you have that many leaves it sounds like a 'walk behind' leaf blower is what you need. Check your local tool rental or Home Depot tool rental if one is available. Try before you buy.
by rh00p
Sat Sep 07, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 39
Views: 2996

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

The alternative is to switch to Spectrum (FKA Time Warner) and just get internet. I saw someone mention in another thread that their service is bad, but there wasn't any more detail than that. Does anyone have experience with Spectrum in NYC? Lifelong NYC TWC/Spectrum customer in the outer boroughs...
by rh00p
Fri Jul 19, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9119

Re: Do you buy cellphone outright or pay over 2 years?

I buy my unlocked phones outright and stick to a mid-range level. My Moto G6 still has trickle-down technology with an excellent camera, very good screen resolution, fingerprint sensor and facial recognition. And it just received the Android Pie update. If I wanted a larger screen I would go with th...
by rh00p
Sun Jul 14, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Should I knowingly buy a fake antique?
Replies: 26
Views: 2804

Re: Should I knowingly buy a fake antique?

OP, if you want to buy a reproduction to personally enjoy that's great but I think the title of your post should read, "Should I Knowingly Support A Scam Artist"?
by rh00p
Wed Jun 26, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: IRA to ROTH convert or not?
Replies: 14
Views: 1265

Re: IRA to ROTH convert or not?

If I were in this situation, I would not try to convert it all. There can be some benefit in having some tax-deferred money to pay for a high cost medical event in old age - the money would never be taxed. Also wouldn't having some tax deferred income allow one to take advantage of any senior tax c...
by rh00p
Mon Jun 17, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 79
Views: 6748

Re: Cancel collision coverage on older car?

Found this thread via search. While I agree with the premise of self-insuring when you can afford it and the convenience of full coverage regardless, wasn't there a formula? When your premiums exceed a certain percent of the cars book value then it's time to cancel F&T?
by rh00p
Mon Jun 17, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: So much for financial predictions, eh?
Replies: 46
Views: 4939

Re: So much for financial predictions, eh?

"The future ain't what it used to be."
~Yogi Berra
by rh00p
Sun Jun 16, 2019 2:43 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 29047

Re: Don't pay full price for SiriusXM radio

If I cancel and not renew do they reimburse the remainder of the year?
by rh00p
Fri Jun 14, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 5238

Re: 40+% increase in auto policy (GEICO) - normal?

Same here with GEICO and Allstate. Attractive rates upon sign up then +24% at renewal.

Anyone know if there are repercussions when you develop a history of bouncing from company to company?
by rh00p
Fri May 31, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4726

Re: Does one need a bank account anymore?

mptfan wrote:
Fri May 31, 2019 7:28 am
3-20Characters wrote:
Fri May 31, 2019 5:49 am
IMO, the biggest potential downside to not having an additional bank account ...
The OP did not ask about an "additional" bank account, the OP asked "Does one need a bank account anymore?"
Yes he did. If the OP has all his money at Fidelity, what's the need for an "additional" bank account.
by rh00p
Fri May 31, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Forgot to mail check to IRS for taxes ($4000) - what now
Replies: 24
Views: 2912

Re: Forgot to mail check to IRS for taxes ($4000) - what now

Once many years ago when I first did my own taxes I failed to include my schedule D and received an audit in the mail. I called the IRS and the rep was quite friendly and helpful. Not the evil demons they're made out to be. $4K is small change. Add a few zeros then be nervous.
by rh00p
Thu May 30, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5980

Re: Jim Cramer

IMO the only two financial programs to watch is Nightly Business Report (NBR) and WealthTrack. Each episode of the former is like an edition of the Wall Street Journal. The latter is an excellent weekly on all aspects of personal finance. Both are on PBS.
by rh00p
Fri May 17, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: how do Tariffs impact your portfolio?
Replies: 25
Views: 1495

Re: how do Tariffs impact your portfolio?

How will this impact portfolio?
While I DCA all my accounts on Monday I bought some on the dip :wink:

More volatility please.
by rh00p
Mon May 13, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: New car issues, possible lemon law (NC)
Replies: 14
Views: 1759

Re: New car issues, possible lemon law (NC)

I remembered this post. Was going to ask if you were using a radar detector. For the time being try abstaining from all aftermarket electronics and see what happens. Here's why. https://youtu.be/Rf572ZVWZY0
by rh00p
Wed May 08, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 17
Views: 1644

Re: Houseplants

What do you guys do to mitigate dust. Especially on larger, leafy trees like ficus?
by rh00p
Sat May 04, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2431

Re: Quicken 2019 On Sale

My Quicken experience was a disaster. Couldn't log into a third of my accounts. Customer support consisted of finding similar complaints on the forums weeks old. At least the money back refund worked.
by rh00p
Thu May 02, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6935

Re: Car lost acceleration

One thing you said is that the CEL doesn't come on. First make sure it works. Key on, engine off and see if it goes on for 5 sec. If it does check for basic things that won't set a code. Open your air filter make sure no critters built a nest. Make sure no kinks in the intake. Next thing to check is...
by rh00p
Fri Apr 26, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does Money Buy Happiness?
Replies: 37
Views: 2493

Re: Larry Swedroe: Does Money Buy Happiness?

I once read of a study that found people were happier not when purchasing items (except maybe in the very near term), but rather when purchasing services. The services of others that would free up your time. Kind of made sense.
by rh00p
Wed Apr 24, 2019 11:40 pm
Forum: Personal Investments
Topic: What to do? Sitting on the bench since October
Replies: 66
Views: 7671

Re: What to do? Sitting on the bench since October

Take you total amount on money & divide it by 26 and just make that investment amount every two weeks. So as the market moves you will buy in highs & lows. Also maybe go with a higher bond allocation, so when the market corrects or crashes you feel it less. This. Though I would do weekly investment...
by rh00p
Wed Apr 24, 2019 11:34 pm
Forum: Personal Investments
Topic: What to do? Sitting on the bench since October
Replies: 66
Views: 7671

Re: What to do? Sitting on the bench since October

RCL wrote:
Wed Apr 24, 2019 6:51 pm
At least the OP has made some pretty good interest in the MM since then
Minus taxes, minus inflation? I don't think so.
by rh00p
Thu Apr 18, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2956

Re: Insurance Advice after bicycle accident

my wife hit the trunk of the car and went over it.
+1 on the attorney. That motorist may come after you. Heck the party responsible for putting together this group ride may need one as well.
by rh00p
Thu Apr 18, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3898

Re: leaving state job / pension. ..... bad idea?

Sounds to me the OP bought too much house + too much debt - too little savings. And the math won't add up no matter which way he goes.
by rh00p
Mon Apr 15, 2019 1:02 pm
Forum: Investing - Theory, News & General
Topic: Home equity as % of AA
Replies: 41
Views: 3295

Re: Home equity as % of AA

I consider my home a liability, because it costs me money to maintain and doesn't generate income.
by rh00p
Sat Apr 13, 2019 12:04 am
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 149
Views: 17839

Re: "Never time the market" vs. lump sum investment

IMO when you DCA you're allocating time. I too have read the Vanguard article stating the lump sum historically gives greater returns but if one was to DCA they recommended to do so within a year. So what I'm currently doing is DCAing a $250K lump in a VG MM into a 3 fund portfolio in weekly autopay...
by rh00p
Fri Apr 12, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Unique Hit and Run Situation
Replies: 40
Views: 4924

Re: Unique Hit and Run Situation

Earl Lemongrab wrote:
Thu Apr 11, 2019 2:43 pm
BusterMcTaco wrote:
Thu Apr 11, 2019 11:31 am
Why not report to the police? It is a crime.
I can't speak for every jurisdiction, but years ago when someone hit my old truck in a parking lot the police said it was not a crime.
You're not filing a criminal report, you're filing an accident report. 😉
by rh00p
Tue Apr 09, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7264

Re: How Much Do You Pay For Haircut?

$16 + $5 tip but occasionally more. And for those that cut your own hair, unless you're Dwayne Johnson I can tell.
by rh00p
Tue Apr 02, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds considering moving to NYC...advice and insight appreciated.
Replies: 51
Views: 4787

Re: Newlyweds considering moving to NYC...advice and insight appreciated.

Like Obamacare, NYC's new Congestion Pricing plan has been approved with few details made available. But I'll bet you residents in the upper nabes will be fighting for parking more than ever with commuters ditching their cars uptown.
by rh00p
Mon Apr 01, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Wood vs Laminate Flooring
Replies: 56
Views: 4703

Re: Wood vs Laminate Flooring

To avoid unnecessary upgrades check local listings to see what materials and amenities current homes for sale have. Where I live three bedroom ranches that haven't been updated since the 60s sell for over $825K.
by rh00p
Sun Mar 31, 2019 1:23 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller: "Was the Stock-Market Boom Predictable?"
Replies: 65
Views: 4447

Re: Robert Shiller: "Was the Stock-Market Boom Predictable?"

Depending on the troll, the opposite was also predicted. Choose your news wisely. "It really does now look like President Donald J. Trump, and markets are plunging. When might we expect them to recover? A first-pass answer is never… So we are very probably looking at a global recession, with no end ...
by rh00p
Mon Mar 25, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5254

Re: dental work gone wrong - advice please.

When vetting people for their services I often use the ratings in Google Maps as a starting point. My network's dentist is 4.0/5.0 and my oral surgeon is 4.9/5.0 It sounds like the OP's crown is fubar and should seek the services of a second dentist who'll have to start over from scratch. Since he g...
by rh00p
Thu Mar 21, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is my doctor a scam?
Replies: 33
Views: 4671

Re: Is my doctor a scam?

Out of $1485 you are asked to pay your share of only $205? What's the question again? I received a $205 claim for services from an insurance (Empire) that was discontinued before said doctor visit. That $1485 was billed to my present insurance (Aetna) for which I have a $15 co-pay :oops: As I think...
by rh00p
Thu Mar 21, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is my doctor a scam?
Replies: 33
Views: 4671

Re: Is my doctor a scam?

Thanks for the replies. Additional comments: doc ordered 13 lab tests totaling $1485. Office visit billed at $680. Aetna covered everything except two $15 co-pays. Succession of each test was quick with the next room already set up when I entered. Was prescribed an inhaler, nasal spray, two antibiot...
by rh00p
Thu Mar 21, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is my doctor a scam?
Replies: 33
Views: 4671

Is my doctor a scam?

In January I paid a visit for a bad cough. Was subjected to tests and exams that may vaguely be treatment related (EKG, blood samples, urinalysis). Then I was given authorizations for a colonoscopy and chest xray (provided by respective specialists). This followed by five prescriptions. Then came th...
by rh00p
Tue Mar 19, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 194
Views: 21971

Re: Are RMDs that bad if you're not an over-saver?

And its threads like these which is why I'm shifting more of my contributions to my r457 and less to the t401K. While I greatly respect the smarts of the number crunching BH, when they advocate the t401K over the Roth they seem to always disregard behavior. Who in their right minds wants to be in th...
by rh00p
Tue Mar 19, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: A used Camry or brand new Corolla?
Replies: 69
Views: 3635

Re: A used Camry or brand new Corolla?

Go with the Camry. It rides way better. Dare I say econo-luxury? The SE is my fav trim level. Plus the Corolla now comes with CVTs and they're being recalled. So far I think just the hatchbacks but who knows it could expand.
by rh00p
Thu Mar 07, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8481

Re: attacked by off-leash dog

Make regular visits to the park and if you see him follow him home to get an address. Dog has to poop everyday. Carry bear repellent. Works on ignorant owners as well.
by rh00p
Mon Mar 04, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 11847

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

IMO you need immersion Log onto Meetup.com, click 'Langauge and Culture' and hook up with a spanish-speaking club in your area. A proper group will engage in conversation over dinners, movies, get togethers at pubs or festivals and various other events even based on skill level. You might even find ...
by rh00p
Fri Mar 01, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12642

Re: Why Working as a Senior Male is Wise...

Given the rising divorce rates among seniors, AKA the grey divorce, OP may be onto something.
by rh00p
Thu Feb 28, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167674

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

By sheer luck stumbled upon The Story Of God on Nat Geo and ended up binge watching the last episodes. Beautifully done. Excellent cinematography and narration. Can't wait for the new episodes next month.