Search found 231 matches

by clemrick
Sun Sep 13, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Anyone tried self-publishing with Amazon? If so can you share your experience?
Replies: 20
Views: 3007

Re: Anyone tried self-publishing with Amazon? If so can you share your experience?

I looked it up, and an old copy is selling for almost $1000, clearly with no hope of selling. Sometimes algorithmic price setting fails. Money laundering???? I am waiting for a big FBI case to break and disclose that they were using insane prices on Amazon as the way to launder money. "Want some co...
by clemrick
Tue Sep 08, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: WordPress - minimalist theme
Replies: 13
Views: 1460

Re: WordPress - minimalist theme

Victoria and Small Law, I am looking into tutorials to recommend. It has been five years since I tried to develop a course on how to build a website using WP and a lot has changed! The best people I learned from have moved on to specializing in content creation and woo commerce. Their WP tutorials a...
by clemrick
Mon Sep 07, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Business Structure Question
Replies: 1
Views: 156

Re: Quick Business Structure Question

A tax specialist who understands nonresident taxation would be a good place to start. There may be a structure that results in less taxes before they get a visa and move to the US and once they are here.
by clemrick
Wed Aug 26, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: W-2 or 1099?
Replies: 6
Views: 556

Re: W-2 or 1099?

If these are two separate jobs with different employer/client, then great. If she will be paid by the same entity and you are asking which method is better, it is not up to you. The IRS has specific guidelines ( https://www.irs.gov/newsroom/understanding-employee-vs-contractor-designation ) on the d...
by clemrick
Thu Aug 13, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: WordPress - minimalist theme
Replies: 13
Views: 1460

Re: WordPress - minimalist theme

Victoria, I doubt WordPress will be dropping support for their themes anytime soon. But that is my opinion. If you don't make code changes to your blog, it will be easy to change to another WP theme if they drop support, so I still suggest going with Twenty Twelve. I made a rough video yesterday to ...
by clemrick
Mon Aug 10, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: WordPress - minimalist theme
Replies: 13
Views: 1460

Re: WordPress - minimalist theme

Here are my questions: 1. Recommendations for a specific WP minimalist theme? 2. Should I choose a theme that is built on Gutenberg? 3. Which types of themes to avoid? 4. What are possible mistakes that would be difficult to reverse in the future? Thank you, Victoria 1)Look at some of the annual Wo...
by clemrick
Mon Aug 03, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Naming sons as Roth primary beneficiaries
Replies: 32
Views: 2662

Re: Naming sons as Roth primary beneficiaries

If they gift an amount each year that the sons put in their own Roth IRAs, then they extend the tax advantage down another generation.

If they name their sons as beneficiaries and one dies first, does half pass to the son's children or does the remaining son get it all?
by clemrick
Mon Jul 27, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: Network shows on Hulu
Replies: 5
Views: 688

Network shows on Hulu

I signed up for Hulu because I found out about a show I wanted to see on FX. However, I couldn't find it on Hulu and the same for a show on the History Channel. Does Hulu only show a few shows from the networks??
by clemrick
Mon Jul 27, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: LLC (S-Corp) vs. Sole Prop and Tax Deductions
Replies: 11
Views: 693

Re: LLC (S-Corp) vs. Sole Prop and Tax Deductions

I recommend Small Business Taxes Made Easy by Eva Rosenberg. She covers a lot of ground and the book is in a lot of libraries so you might not have to buy it.
by clemrick
Sat Jul 25, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Questions
Replies: 3
Views: 418

Re: Trust Questions

9. The assets of the trust would be distributed evenly amongst all the children. My mother is considering making three substantive changes to the will: a. She is considering stating the house cannot be sold for x years; and b. One sister's financial situation is strained (long story) and mother wou...
by clemrick
Wed Jul 15, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: My office job in NYC has just gone remote for the rest of the year. Can I reduce my tax burden by moving to Florida?
Replies: 92
Views: 8715

Re: My office job in NYC has just gone remote for the rest of the year. Can I reduce my tax burden by moving to Florida?

Does your company already have a presence in Florida? If you move there, they will be responsible for abiding by and paying all employer laws and taxes in Florida. If they don't do business there, they may not want you to move.
by clemrick
Wed Jul 15, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Solar Gardens
Replies: 2
Views: 240

Solar Gardens

Anybody here participate in a "solar garden"? This company has approached my family about setting up panels on our farmland, https://mysunshare.com/how-community-solar-works/ I am interested to know about people's experience, both with "hosting" the panels and on the consumer side. They are offering...
by clemrick
Wed Jul 15, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: PhD student with taxable grant question for filing taxes (1099-G, 1098-T, 1099-MISC, 1040 or W-2)?
Replies: 8
Views: 409

Re: PhD student with taxable grant question for filing taxes (1099-G, 1098-T, 1099-MISC, 1040 or W-2)?

W-2 is a form that EMPLOYERS send to employees. 1099 forms are also prepared by PAYERS, not recipients. So stop reading information about filing those forms. According to this IRS page: https://www.irs.gov/taxtopics/tc421, "If filing Form 1040 (PDF) or Form 1040-SR (PDF), include the taxable portion...
by clemrick
Tue Jul 07, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2760

Re: I killed my washer --- Solved and working! thanks

Kenkat wrote: Mon Jul 06, 2020 3:26 pm
If you choose to do a fist pump or sack dance in front of the repaired washer, go ahead - no one needs to know... :wink:
When the agitator kicked in, I did the Twist, Baby!!!!!
by clemrick
Mon Jul 06, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2760

Re: I killed my washer --- Solved and working! thanks

Got the control panel opened and cleaned all the cat pee out. The lid switch was in pretty good shape, the grounding wire a little corroded. I cleaned everything up and decided to try the switch to see if it would and it did!!!! No service call, no replacement part, no new washer. I wasn't looking f...
by clemrick
Mon Jul 06, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2760

Re: I killed my washer

Thanks, livesoft. I went back to get the link to the video I was watching, https://www.youtube.com/watch?v=yXKt8bNO7W4 and noticed it said "Method 1," which I missed the first time. The second method used a spatula. I tried that and got it open. Don't know why that is not the first method. Far easie...
by clemrick
Mon Jul 06, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2760

Re: I killed my washer

Now I am blaming my cat for killing my washer. Since there is no clicking or any indication that the washer is trying to do anything after filling, I am going with the switch idea. I found a video on Youtube that showed how to get into control panel where the switch is. I don't have the hand strengt...
by clemrick
Sun Jul 05, 2020 11:45 pm
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2760

Re: I killed my washer

I did some more fiddling with it and it will fill with more water if I increase the water level, so the electric is working. It just stops after filling. it won't even try to agitate and I can not get it to pump the water out before spinning, nor will it spin. It fills and stops. The pillow has been...
by clemrick
Sun Jul 05, 2020 10:23 pm
Forum: Personal Consumer Issues
Topic: I killed my washer --- Solved and working! thanks
Replies: 26
Views: 2760

I killed my washer --- Solved and working! thanks

I was washing my pillows tonight, while transferring to the dryer, one of the pillows fell on the (very dirty) floor, so I put it back in the washer to wash again. When I went to put it in the dryer, I found that the pillow was sitting in the wash water (soap in the water). When I pulled the pillow ...
by clemrick
Mon Jun 22, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question on married living in separate states
Replies: 3
Views: 487

Re: Tax question on married living in separate states

NY state and NYC both want money and do not like people moving and not paying taxes. If you still have a residence in NYC and are going back to it, they will want to tax EVERYTHING, even if you are "living in" IL when you sell. Is your company set up to pay taxes and follow employment laws in Illino...
by clemrick
Fri Jun 19, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Margin Interest in an Edward Jones account
Replies: 4
Views: 513

Re: Margin Interest in an Edward Jones account

Thanks, it is interest she paid because she borrowed against her munis.

She doesn't have anything else at Edward Jones.
by clemrick
Fri Jun 19, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Margin Interest in an Edward Jones account
Replies: 4
Views: 513

Margin Interest in an Edward Jones account

I am helping my neighbor with her taxes. She isn't available today to ask, so I am hoping you all can help me. She sold all her stocks and muni bonds last year. It wasn't much and everything was ok until I got to the last page where "Other income or Charges" lists monthly amounts for "Loan/Margin In...
by clemrick
Fri Jun 19, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to do your own taxes?
Replies: 48
Views: 2704

Re: Learning how to do your own taxes?

If you just want to do your own taxes, any of the big name software/websites are good. If you want to LEARN how to do your own taxes, nothing is better than pencil and paper (and tablet). The IRS site has FORMS and INSTRUCTIONS, you need both for the 1040 and accompanying forms. Start with last year...
by clemrick
Wed Jun 10, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being naive paying US/CA based taxes as an international digital nomad living outside of the US? Help me optimize!
Replies: 6
Views: 599

Re: Am I being naive paying US/CA based taxes as an international digital nomad living outside of the US? Help me optimi

California doesn't like to lose tax revenue so you need to do more than change of address. When you are next in the US, I would suggest that you move to a no-state-income-tax state, TX, WA, FL, NV, SD, WY, or AK. You will need to rent a place to live, change all your mailings to that state, register...
by clemrick
Tue Jun 09, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer title of auto to son -- necessary?
Replies: 40
Views: 2495

Re: Transfer title of auto to son -- necessary?

If he owns the car and insures it himself, then you will not be held responsible for any damages. However, you would be giving him a gift by titling the car in his name, which would require an IRS form 709 if the value of the car was over the yearly exclusion (in 2020 it is $15K). Your son would als...
by clemrick
Tue Jun 09, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Moto G6 Play or Android problem
Replies: 2
Views: 231

Moto G6 Play or Android problem

I have been having problems with my phone over the last year. I have an unlocked phone I bought on Amazon and I use an AT&T prepaid account, so there is no customer service for me to call about these problems. The first is that while in my pocket or just carrying it in my hand it randomly changes se...
by clemrick
Sun Jun 07, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: simple, inexpensive, remote indoor camera (for checking on cat)
Replies: 13
Views: 1054

Re: simple, inexpensive, remote indoor camera

Why can't the kitten sit on your shoulder wherever you go? j :happy NOOOOO! Do not start this, EVER!!!! You end up with all your shirts having holes on one shoulder and a shoulder with lots and lots of tiny scabs (and not so tiny scabs). Silly cat had a nasty cold a couple years ago so I cuddled hi...
by clemrick
Sun May 31, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on sold property abroad
Replies: 7
Views: 556

Re: Taxes on sold property abroad

Don't forget FBAR reporting if the proceeds from the sale went into a foreign bank account instead of a US bank account. https://www.irs.gov/businesses/small-businesses-self-employed/report-of-foreign-bank-and-financial-accounts-fbar Also, if you want to try this yourself, taxmama.com has some peopl...
by clemrick
Fri May 29, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to gift a tax-deferred account with same tax treatment as TOD?
Replies: 7
Views: 626

Re: Any way to gift a tax-deferred account with same tax treatment as TOD?

My understanding is that if the account were transferred as part of an estate or TOD, then it would remain tax-deferred for the recipient and treated under the normal IRA/401k rules based on the recipient's age, etc. The rules have changed on this. Unless the recipient is a spouse, the recipient wi...
by clemrick
Thu May 21, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tax attorney weirdness
Replies: 40
Views: 3403

Re: Tax attorney weirdness

Tax planning is a legitimate goal for everyone. There are many legitimate ways to minimize paying taxes. Often people just do things, like take money out of retirement accounts, without considering how it will affect their taxes and then are blindsided by a huge tax bill. I think the poster probably...
by clemrick
Sat May 09, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: My wife/I have a small LLC, no schedule c on our personal tax return?
Replies: 10
Views: 431

Re: My wife/I have a small LLC, no schedule c on our personal tax return?

Yeah, it's either got to be a schedule C or an S-Corp. If an S-corp then she should be getting a W2, not just a k-1 as the business needs to pay her a reasonable salary for the work she provides (and pay FICA on that salary). No, this is a partnership, so no Sched. C. The info from the K-1 goes to ...
by clemrick
Fri May 08, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance up 40%, stay w/same company due to possible roof issues?
Replies: 22
Views: 1567

Re: Home insurance up 40%, stay w/same company due to possible roof issues?

Thanks for the link. Honestly, I've just been too busy and had so much difficulty getting roofing contractors to even do an inspection when we were doing general inspection (our complex has 4 townhouses per building, and the other complaint I was getting was they wouldn't come unless all 4 owners a...
by clemrick
Tue Apr 28, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for HELOC/home equity loan used to pay off a personal loan I used for home improvement
Replies: 10
Views: 405

Re: Tax deduction for HELOC/home equity loan used to pay off a personal loan I used for home improvement

Read the loan papers carefully. The construction finance company might put a lien on you house. When you pay off the loan, make sure the lien is also taken off your house.
by clemrick
Thu Apr 23, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Good website to find out about updates to tax laws and covid-19 relief?
Replies: 2
Views: 202

Re: Good website to find out about updates to tax laws and covid-19 relief?

Right here or the Personal Finance board. There were threads started as soon as the legislation was proposed. And definitely after the bills were passed.
by clemrick
Thu Apr 23, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any articles/research on ranking jobs/sectors based on their vulnerability to COVID-19?
Replies: 3
Views: 277

Re: Is there any articles/research on ranking jobs/sectors based on their vulnerability to COVID-19?

1) Gathering information for something like this takes time. 2) Researchers and academics who usually do this kind of thing are busy figuring out how to work from home and/or how to finish the semester online. 3) The people they would ask/get information from are themselves working from home, furlou...
by clemrick
Tue Apr 21, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Grainy/blurry photos when using apps to take pictures ( Moto G6 )
Replies: 34
Views: 1025

Re: Grainy/blurry photos when using apps to take pictures ( Moto G6 )

What happens when you take pictures with the camera app that comes with the phone?
by clemrick
Thu Apr 16, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with TopResume Free Resume Review & Resume Writing Services
Replies: 4
Views: 374

Re: Experiences with TopResume Free Resume Review & Resume Writing Services

Here is great advice from Alison Green of AskaManager.org, https://www.thecut.com/article/how-to-m ... esume.html
You can also go to her website and search for "resume" and "cover letter." It's the cover letter that gets your resume read.
by clemrick
Fri Apr 10, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: I Need help with IRS and estate issues
Replies: 5
Views: 401

Re: I Need help with IRS and estate issues

According to this description on the Treasury Direct website, https://www.treasurydirect.gov/indiv/research/indepth/ebonds/res_e_bonds_eebuy_register.htm, you owned the bonds along with the decedent. They are not part of the estate and you did not inherit them. As the owner, you are responsible for ...
by clemrick
Sun Mar 29, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: Slash your cell phone bill!
Replies: 38
Views: 6392

Re: Slash your cell phone bill!

Those AT&T rates have been around for awhile. Unfortunately, I already have AT&T and don't qualify for the 8gb for $25.
by clemrick
Sat Mar 28, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 2968

Re: Stand Mixer

I love mine. A couple years ago arthritis started in my hands. I complained on Facebook about how much pain I was in after Thanksgiving and all the baking I did. My BIL and wife bought me one for Christmas. It has been a life-saver for my hands. I would have probably bought my own after another a ye...
by clemrick
Sun Mar 22, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Inherited 403(b)
Replies: 5
Views: 282

Re: Inherited 403(b)

Thanks, Alan.
by clemrick
Sat Mar 21, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Inherited 403(b)
Replies: 5
Views: 282

Re: Inherited 403(b)

Oops, I meant non-spousal and in the future. My FIL (80+ and a widower) has a sizable retirement account and most of the kids also have done well with their own retirement savings. Having to deplete inherited IRAs in 10 years or less would have a significant impact on some of us, tax-wise. This is o...
by clemrick
Sat Mar 21, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Inherited 403(b)
Replies: 5
Views: 282

Inherited 403(b)

With the new law changes for inherited IRAs, I just wanted to check that if a beneficiary transfers their inheritance from a 403(b) to an inherited IRA, then the new inherited IRA is considered an inherited IRA subject to the new laws, correct?
by clemrick
Tue Mar 17, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: VITA site staying open?
Replies: 16
Views: 806

Re: VITA site staying open?

Our local VITA suspended service last week and this week the library they work out of announced it is closing for three week starting tonight, so they couldn't work anyway.
by clemrick
Sat Mar 07, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Bluetooth stereo transmitter
Replies: 7
Views: 480

Re: Bluetooth stereo transmitter

Thank you JoMoney, that is what I wanted. When I searched Amazon I was getting anything but listing.
by clemrick
Fri Mar 06, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Bluetooth stereo transmitter
Replies: 7
Views: 480

Bluetooth stereo transmitter

I want something that plugs into my stereo receiver and transmits sound from my phonograph.

The only things I can find receives sound from a phone and uses the stereo speakers.

Does what I want exist?
by clemrick
Fri Mar 06, 2020 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Question on multimember LLC and schedule K/filing taxes...
Replies: 2
Views: 179

Re: Question on multimember LLC and schedule K/filing taxes...

The way it should be done: The LLC has its own EIN (Employer Identification Number) even if there are no employees, that is just what it is called. A partnership tax return should be prepared and filed. Due date for partnership returns is March 15. K-1s should be prepared and given to the partners t...
by clemrick
Fri Mar 06, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Using VirtualBox to Extend the Life of Win7 Computer
Replies: 10
Views: 1218

Re: Using VirtualBox to Extend the Life of Win7 Computer

In the end, I backed up all my files, took a deep breath and upgraded to Win10 using the instructions for doing it free at https://www.howtogeek.com/266072/you-can-still-get-windows-10-for-free-with-a-windows-7-8-or-8.1-key/ The old Adobe programs I worried about, were fine. However, the Office prog...
by clemrick
Wed Mar 04, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax credit for children. Do they need a SSN?
Replies: 4
Views: 752

Re: Tax credit for children. Do they need a SSN?

These are changes for 2018 https://www.irs.gov/pub/irs-prior/p972--2018.pdf New social security number (SSN) requirement for a qualifying child. To claim the child tax credit (CTC) or additional child tax credit (ACTC), your qualifying child must have the required SSN. If you have a qualifying chil...