Search found 167 matches

by clemrick
Sun Jan 05, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to get gem appraisal?
Replies: 7
Views: 640

Re: How to get gem appraisal?

OnTrack2020 wrote:
Sun Jan 05, 2020 2:52 pm
The thing I've never understood is why the jewelry store asks for the receipt of the particular piece you are having appraised?
They probably want to make sure the piece really belongs to you.
by clemrick
Sun Jan 05, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Getting an IRA out of an annuity
Replies: 4
Views: 435

Getting an IRA out of an annuity

My Dad panicked in 2009 when he saw how much my mother's IRA in a T.Rowe Price mutual fund lost. He was talked into an American Equity annuity. He did not understand what he had done. He was mad at me for suggesting the mutual fund and I was mad at him for putting what was left into an annuity. Last...
by clemrick
Sat Jan 04, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Where to start with dentures
Replies: 3
Views: 463

Re: Where to start with dentures

Thanks for the info about leaving in teeth. I will let my Mom know about the time without teeth.
by clemrick
Fri Jan 03, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Where to start with dentures
Replies: 3
Views: 463

Where to start with dentures

My mother has come into a couple thousand dollars she hadn't anticipated and would like to get a full set of dentures. She is 88 and has been getting by with about half of her original teeth. She doesn't want implants. I searched the forum and only found one other thread about dentures from 2010. Th...
by clemrick
Fri Dec 27, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question deleted
Replies: 2
Views: 479

Re: Accountant suggesting gifting LLC to spouse

After January 6 you could try asking taxmama.com.
by clemrick
Sat Nov 23, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Skin lotion for old skin
Replies: 32
Views: 3293

Re: Skin lotion for old skin

Update: CerAve Itch Relief has helped tremendously. I went through the list of all the recommendations to see what was available in a store nearby and settled on the Itch Relief. It has worked wonders on his skin and after this bottle is empty, I might try the regular CerAve. Thank you all. If the C...
by clemrick
Wed Nov 20, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Skin lotion for old skin
Replies: 32
Views: 3293

Re: Skin lotion for old skin

Thank you all for the suggestions.

We have gone through allergy reaction items. His skin is just very, very dry. This despite the fluid he is retaining, so no extra water for him.
by clemrick
Tue Nov 19, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Skin lotion for old skin
Replies: 32
Views: 3293

Skin lotion for old skin

My father is 94 and is suffering from very itchy dry skin. We have tried several lotions and prescription anti-itch creams. Nohing has worked. Can anyone recommend a lotion or cream that is good for old skin?
by clemrick
Sun Nov 10, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if a QCD check is not cashed before January 1?
Replies: 14
Views: 925

Re: What happens if a QCD check is not cashed before January 1?

If you write a check, how will the broker/bank know that it is a QCD? I thought you had to communicate with your broker/bank when requesting/setting up the QCD.
by clemrick
Sat Oct 19, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Disbursing Funds From Account After Death of Grandparent
Replies: 6
Views: 1236

Re: Disbursing Funds From Account After Death of Grandparent

She has not tied any of her bank accounts to the trust though, and prefers to just specify directly the beneficiaries on the account, which should be the same as POD, unless I am mistaken... How is the executor supposed to pay bills or expenses if her cash goes to you and your sibling upon her death?
by clemrick
Sun Sep 29, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: "Different" things to do in Tokyo
Replies: 20
Views: 2077

Re: "Different" things to do in Tokyo

If you like cats, there is a Cat Cafe in the Harajuku part of Tokyo.

Or if you like weird in a fun way, try the Kawaii Monster Cafe.

You can check out both on the Blogess blog, https://thebloggess.com/2019/06/21/japa ... ngly-well/
by clemrick
Sun Sep 29, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Selling Business - How much to expect, what is the process
Replies: 59
Views: 4410

Re: Selling Business - How much to expect, what is the process

I am trying to expand beyond 4 customers and hopefully will have more by the end of next year. Replication of product is slightly difficult as it needs deep expertise in a certain field but is not impossible. That said, my customers won’t be interested in buying as this is a purely technical produc...
by clemrick
Tue Sep 24, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls in owning a mobile home park
Replies: 16
Views: 2368

Re: Pitfalls in owning a mobile home park

How would one evict a non-paying tenant? Thanks. This is highly local-specific. You need to check out state, county, and if applicable, city/town laws. Also, find some owners of mobile home parks and ask them what they do with trailers that are left behind. If people are behind in their rent, they ...
by clemrick
Sun Sep 22, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement date of 12/31/2019 vs. 2/28/2020
Replies: 18
Views: 1427

Re: Retirement date of 12/31/2019 vs. 2/28/2020

Although it's only a couple of months later, I am thinking if I wait for a little while into 2020, it will let me stuff more money (IAW the contribution limits) into the TSP (401K) and HSA accounts - as well as still have earned income which allow me to contribute to my Roth for 2020 (am I missing ...
by clemrick
Wed Sep 18, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help for mother-in-law: Is NYS retirement income taxable in Colorado?
Replies: 13
Views: 1176

Re: Help for mother-in-law: Is NYS retirement income taxable in Colorado?

This goes toward my last question of how her income taxes for 2019 will work. Can she be considered living in NY state for the full year if she moves Oct 15 but still owns two apartments from Oct 15-Dec 31 (one in NY and one in Colorado)? Given that quote, I'm guessing it's ok to consider all of 20...
by clemrick
Mon Sep 16, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11429

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Verizon deprioritizes all prepaid, Visible, and MVNO customers when towers are congested, meaning postpaid customers get faster speeds during those times. You may or may not ever notice it. It's a separate issue from throttling after reaching your monthly cap. Google "verizon deprioritization" for ...
by clemrick
Sun Sep 15, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11429

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I have been using AT&T prepaid plans for the last 15 years. One downside I have found is that prepaid plans are not considered "real" accounts by the IRS and other governmental organizations. When I tried to order a tax transcript and entered my phone to verify who I am, the system didn't take it an...
by clemrick
Fri Sep 06, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Failed to file S Corp Taxes on time, fined by the IRS
Replies: 23
Views: 3475

Re: Failed to file S Corp Taxes on time, fined by the IRS

I actually reached out to a EA, they have asked for $5,000 retainer for processing previous years returns 2015-2018, closing out the corps in each state, NYS,NJ,NYC + Federal. Does that sound right? This is irrespective of any penalties but they would be able to abate some of the fines I believe. C...
by clemrick
Fri Sep 06, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Unique rental Income situation: Tax Question
Replies: 20
Views: 1225

Re: Unique rental Income situation: Tax Question

Since no one has replied, you might try taxmama.com, she has great advice about how to handle tax problems.

How you report the income depends on which box your company puts the amount in on the 1099-MISC.
by clemrick
Thu Sep 05, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Failed to file S Corp Taxes on time, fined by the IRS
Replies: 23
Views: 3475

Re: Failed to file S Corp Taxes on time, fined by the IRS

boglewow wrote:
Thu Sep 05, 2019 2:15 pm
Curious how much your cpa cost for back taxes? I'm in a similar position with a s-corp I left open after going w2.
I suggest you find an Enrolled Agent, not just a CPA. EAs are trained to handle more complicated tax problems. You can find one at https://taxexperts.naea.org/ .
by clemrick
Mon Aug 26, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Recommendation for handheld, CORDED vacuum cleaner please.
Replies: 3
Views: 423

Re: Recommendation for handheld, CORDED vacuum cleaner please.

I second the Eureka!!!! I have five cats and lots of pet hair. It does a great job. It is not the quietest hand vac, but it picks up hair and other stuff.
by clemrick
Mon Aug 26, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: LLC or S Corp? - Consulting for US-Based Companies from Abroad
Replies: 5
Views: 345

Re: LLC or S Corp? - Consulting for US-Based Companies from Abroad

Since you already know what country you will be living in, I suggest you find a Certified Acceptance Agent in that country( https://www.irs.gov/individuals/interna ... nt-program ) and contact them to find out the best way to pay your taxes.
by clemrick
Mon Aug 26, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5984

Re: American Express continues to ask for my income

Our income has gone up over the years, but when I get that pop-up I just enter an amount that is lower than our income. We have far more credit card debt ability than we will ever use, so we don't need any increases.
by clemrick
Wed Aug 21, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: property management problem
Replies: 6
Views: 560

Re: property management problem

Does the tub have a sliding glass door? I once rented an apartment where nothing I did with the shower curtain prevented water from escaping. I tried, but it was obvious that the previous tenant either didn't care or couldn't stop the water either. If they have a curtain, it may not necessarily have...
by clemrick
Wed Aug 21, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: HSA and Health Insurance with VA Coverage
Replies: 6
Views: 472

Re: HSA and Health Insurance with VA Coverage

I have never heard of employer-supplied insurance that would cover the family but not the employee. However, my brother-in-law says that if a former service person has other insurance, the VA can act as secondary insurance and pay deductible amounts and other charges that your employer insurance doe...
by clemrick
Sat Aug 17, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy WItHOUT Full Replacement Cost - deductible loss?
Replies: 2
Views: 328

Re: Homeowners Policy WItHOUT Full Replacement Cost - deductible loss?

Sorry about your brother's loss. Starting in 2018, non-business casualty losses can only be deducted if they are caused by a natural disasters, so you brother can not take a deduction on his 2018 taxes for the loss.
by clemrick
Wed Aug 14, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Going to switzerland in a month-any final advice?
Replies: 12
Views: 939

Re: Going to switzerland in a month-any final advice?

Our itinerary has been set. Wife planned us at strausburg france, basel, w day trips to geneva and lucern, Interlaken w trips to all the amazing hiking/mountain areas-4 days, laussane, w trips to gruyere montreaux etc. We will be doing the swiss travel pass. We did a cost analysis and it came out o...
by clemrick
Thu Aug 01, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Tax consequences from $$ realized from property surrendered in bankruptcy
Replies: 9
Views: 1039

Re: Tax consequences from $$ realized from property surrendered in bankruptcy

egf1978 wrote:
Mon Jul 29, 2019 7:57 pm
clemrick wrote:
Mon Jul 29, 2019 8:37 am
If no one here has an answer, you could try taxmama.com, especially if this is in California.
Thanks Clemrick. Taxmama wrote me back with a nice analysis.
She knows her stuff.
by clemrick
Thu Aug 01, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 16158

Re: Why won’t anyone hire me?

Given that you get so many interviews, it seems like you are a well-qualified/strong candidate. How did you feel the interviews went? Did you get any feedback as to why they didn't move you forward in the process? Sorry I don't have any specific advice but I've found Ask a Manager to be an excellen...
by clemrick
Mon Jul 29, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Tax consequences from $$ realized from property surrendered in bankruptcy
Replies: 9
Views: 1039

Re: Tax consequences from $$ realized from property surrendered in bankruptcy

If no one here has an answer, you could try taxmama.com, especially if this is in California.
by clemrick
Sun Jul 28, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Selling old farm equipment and cars
Replies: 8
Views: 934

Re: Selling old farm equipment and cars

I was hoping the Honda was worth a little something. I couldn't believe it when I saw one on display at the Chicago Museum of Science and Industry. We once got our entire family of seven in it. Three oldest girls in the back (ages 8 to 10), brother (5)"sitting" on the emergency brake and youngest on...
by clemrick
Sat Jul 27, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Selling old farm equipment and cars
Replies: 8
Views: 934

Selling old farm equipment and cars

My parents are getting in years and live on a farm. The field is rented to a neighbor and Dad doesn't do any farming any more, just keeping things neat and trimmed on the un-rented land. They could use some extra money and I would like to get a start on getting rid of equipment and stuff that can ac...
by clemrick
Sat Jul 27, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cash out refinance - interest free money
Replies: 16
Views: 1377

Re: Cash out refinance - interest free money

Paying points can be a good idea, but cash out refinancing not so much. This article discusses points and break even periods. https://www.nerdwallet.com/blog/mortgages/should-i-buy-points-mortgage-calculator/ I don’t understand what the 12k cash out is for. I think you missed the point. Here is the...
by clemrick
Thu Jul 25, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1256

Re: Medigap Broker or Not

Actually, the system Medicare has online for evaluating the annual Plan D alternatives is the only online tool they offer that actually does a nice job of simplifying Plan D comparisons. It takes me only about 15 minutes each year to select a Plan D. This! medicare.gov starting around October 15 th...
by clemrick
Wed Jul 24, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Decision to buy earthquake insurance
Replies: 40
Views: 2350

Re: Decision to buy earthquake insurance

The $266K is to repair your home not give you the "value" of your home. What is amount for your regular insurance? How much does Geico say it would cost to rebuild after a fire?

My insurance company insists that rebuilding my home in would cost almost twice it's value in Missouri.
by clemrick
Wed Jul 24, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1256

Re: Medigap Broker or Not

How did you get the prices for the plans from the other underwriters? Did you use a second broker? Did you simply go with the cheapest "G" policy available? Check with your state's Medicare SHIP office. They should have a price list of the various options and providers. It is amazing the cost varia...
by clemrick
Mon Jul 15, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: from Seattle (WA) to Inverness (Scotland) and back
Replies: 25
Views: 2144

Re: from Seattle (WA) to Inverness (Scotland) and back

I happen to like Inverness, but I still have to ask why that is the focus of your only trip?
I can help you plan this trip if you would like some one on one help, just PM me.
by clemrick
Thu Jul 11, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Alternative to Flexsteel chair
Replies: 2
Views: 512

Alternative to Flexsteel chair

Does anyone know of a less expensive alternative to a Flexsteel chair? My Dad likes this chair but he doesn't want to spend $600. He likes how sturdy the chair is.

Thanks
by clemrick
Thu Jun 20, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms with 10 Yr Batteries
Replies: 14
Views: 1382

Re: Smoke Alarms with 10 Yr Batteries

While I was volunteering at the local senior center today, the Fire Department came in and made a presentation. The fireman did mention the alarms with 10 year batteries and he said that they should last 10 years because they have to comply with federal regulations. That was the first time I heard a...
by clemrick
Sun Jun 16, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Termites or Ants in Garden?
Replies: 17
Views: 1427

Re: Termites or Ants in Garden?

I'm not an expert, but from looking at this site, those white things could be termites due to the straight antenna.

And ants love to eat termites: here
by clemrick
Sat Jun 15, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 55
Views: 6269

Re: For those who have a revenue generating website.

Another thought, before you pay for any classes or books, read the blogs and get on the mailing lists (create a separate gmail account for this) of the people you are interested in. You will get a good feeling for what they have to offer and should get plenty of free information. I don't have any su...
by clemrick
Sat Jun 15, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a business, need advice on taxes and startup
Replies: 2
Views: 379

Re: Starting a business, need advice on taxes and startup

I suggest Small Business Taxes Made Easy by Eva Rosenberg. The first couple chapters go through starting business and determining what legal entity you will use (sole-proprietorship, partnership with your wife, LLC).
by clemrick
Fri Jun 14, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: For those who have a revenue generating website.
Replies: 55
Views: 6269

Re: For those who have a revenue generating website.

Watch out for the classes, people are still selling old ideas that don't work any more like commenting on other people's blogs to get them to read yours. Sooo many blogs have done away with comments due to the headaches of filtering comments, that this just doesn't work like it did 10 years ago. I u...
by clemrick
Thu Jun 13, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Europe across countries
Replies: 22
Views: 1431

Re: Renting a car in Europe across countries

When driving in Europe remember: 1) Speeding - they have cameras and will find you, long after you are home and think you have paid for everything. We did have one rental car that showed the speed limit on the dashboard, but it was not updated to the speed law changes in France last year (as of June...
by clemrick
Sun Jun 02, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Is an S Corp right for me?
Replies: 9
Views: 743

Re: Is an S Corp right for me?

Take a look at Small Business Taxes Made Easy by Eve Rosenberg. Chapter 3 goes in depth on how to choose your entity. Read the rest of the book also, then you will be better prepared to find a new accountant.
by clemrick
Wed May 29, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1795

Re: How does TIAA-CREF work?

Thanks, everyone. My husband will probably be retiring in the next five to ten years (65 to 70 years old) and I am figuring out where we want money to be when he does. I am currently moving his TIRA to Roth because it is looking like there will be significant amounts coming in monthly from Social Se...
by clemrick
Mon May 27, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12237

Re: House not selling

Have you gone to open houses to see what your competition is? Try looking at the houses from a buyer's perspective. Look at houses priced above yours and below and note what the differences are. Try to make your house look like the more expensive houses, if possible. Lighting fixtures. Seriously. Ar...
by clemrick
Sun May 26, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1795

How does TIAA-CREF work?

My husband has a 403(b) at TIAA-CREF with some money in the traditional annuity and some invested in their stock accounts and real estate. I understand how the traditional annuity works, but what about the stock accounts? When he retires can we move the money in the stock accounts to an IRA at Vangu...
by clemrick
Thu May 16, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Basic info on finances and investments
Replies: 4
Views: 473

Basic info on finances and investments

What book or website would you recommend to someone who has inherited some CDs and mutual funds in a taxable investment account and who doesn't know what a mutual fund is or how it could affect their taxes? Most websites (including those mentioned in the wiki) talk about investment strategy. I just ...