Search found 432 matches

by Parthenon
Sat Nov 10, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4816

Re: Doing taxes by hand

https://sites.google.com/site/excel1040/ is a person offering a free Excel sheet that computer taxes. Donations accepted. Disclaimer: I have nothing to do with this site, but I've used his sheet to cross check my results and it is extremely well done. Another advantage of not buying software is you...
by Parthenon
Sat Nov 10, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 12887

Re: Worth fixing a 30-year-old Maytag dryer?

but the noises seem to be coming from the drum rollers and/or the drum bearing. About 10 years ago our '30 year old' dryer developed the same noises. The plates that support the two pins that carry the rollers had deteriorated. If you are handy and have some material to replace those supports you c...
by Parthenon
Sat Jul 14, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: massive Roth conversion
Replies: 40
Views: 3731

Re: massive Roth conversion

I saw that you are 50 years old. Have you begun to consider how and what you want to donate to charities? A friend of mine, CPA retired, told me about QCD or qualified charitable deductions that you make BEFORE AGI; best to check it out: Who can make a qualified charitable distribution? An individu...
by Parthenon
Thu Jul 05, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 5249

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

It's what I miss the most when I traded in my 1996 Windstar for a 2016 Ford Flex. It was so convenient when bringing food home from a restaurant to place the container on the floor in between the front seats. And when traveling it was easy to reach into the second row for drinks or snacks. There is ...
by Parthenon
Wed Jul 04, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4524

Re: Monthly Water Usage

2 Adults; retired.
3,000 Gallons every two months.

Ed
by Parthenon
Thu Jun 14, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1695

Re: convert 4 wire to a 3 wire switch

A four wire switch is usually found between two three wire switches which means there are three switches controlling the same light. If that is the case you'll need to do some additional digging to find out what is going on.

Ed
by Parthenon
Wed Jun 13, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about 2018 capital gains tax rules
Replies: 11
Views: 1569

Re: Confused about 2018 capital gains tax rules

HueyLD wrote:
Wed Jun 13, 2018 11:43 am
Raybo,

The exact amount is $77,200, not $77,000. You can find that amount in the actual Bill H.R. 1.

Good luck.
Actually, It's $77,400

Ed
by Parthenon
Sat May 19, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 13564

Re: Helping Adult Children (but not too much)

After graduation from college, when they started working, insisted they max out their 401Ks. I replaced what they put into their 401ks for several years just to get them started saving on a regular basis. Since then, I have been generous with Christmas, Birthday and Anniversary cash and occasionally...
by Parthenon
Sat May 19, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6928

Re: What’s your phone/internet bill?

AT&T Uverse

Internet $20; Phone $20; Tax, Surcharges $8

Ed
by Parthenon
Tue Mar 13, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Taxes myself in the future
Replies: 19
Views: 2139

Re: Filing Taxes myself in the future

I've found a useful spreadsheet at https://sites.google.com/site/excel1040/ for playing with filing federal taxes over the years.

Ed
by Parthenon
Mon Mar 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Getting started on watchmaking
Replies: 3
Views: 625

Re: Getting started on watchmaking

If you have the time, you apparently have the inclination, there are a plethora of YouTube videos dedicated to watchmaking.

You can start here https://www.youtube.com/watch?v=hoO7PtR0ujY then follow the associated links to the right for no end of fascinating links.

Ed
by Parthenon
Tue Mar 06, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Re-touching dark plastics inside car
Replies: 8
Views: 857

Re: Re-touching dark plastics inside car

Believe it or not you can purchase covers for your dashboard. Who knew?

https://www.coverking.com/custom-dash-covers.html

Ed
by Parthenon
Mon Mar 05, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 1104

Re: Annotating locked pdfs

Have you tried PDF Architect? PDF Creator makes them and Architect is for editing. Never tried to edit a locked file. Ed Forget about PDF Architect. Just tried to add a comment to the original pdf mentioned by the OP using Adobe Acrobat Reader DC and it worked fine. That is assuming that annotate an...
by Parthenon
Sun Feb 25, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 4102

Re: AC/Furnace Questions- 1 stage or 2 stage?

. The first stage is rated at 46,000 Btu and has never had a problem keeping the house at 68 degrees, and again doesn't run that long even with temperatures below zero. Granted when I built the house in 1984 I did install additional insulation in the walls but you can only go so far with 2x4 studs....
by Parthenon
Sun Feb 25, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 4102

Re: AC/Furnace Questions- 1 stage or 2 stage?

In 2010 I replaced a Carrier furnace with a 2 stage Trane rated at 76,000 Btu. The house is a 2,700 square foot two story located in the western suburbs of Chicago. The original furnace was rated at 110,000 Btu but only 85% or so efficienct and because it constantly short cycled I de-rated it down t...
by Parthenon
Mon Feb 05, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18255

Re: Vanguard site is crashed now?

I wasn't planning on doing any trading today, but I find it utterly incomprehensible that some folks would make light of an entire platform going down and people being unable to place orders. That's not acceptable on any day. But sure, lolz panic trading Yes, it doesn't raise one's confidence in Va...
by Parthenon
Fri Feb 02, 2018 4:14 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 11729

Re: Fewer acronyms please

dm200 wrote:
Thu Feb 01, 2018 7:58 pm
One technique, perhaps, is to spell it out the first time - then use the acronym.
This seems to be the preferred method used by professional writers and should be an example to follow.

Ed
by Parthenon
Fri Dec 08, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 71
Views: 7157

Re: What did you do with your first RMD withdrawal money?

Turned the entire amount into a Qualified Charitable Distribution. Spread the money over about a dozen charities plus my church and school.

Ed
by Parthenon
Tue Sep 19, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Another cut the cable thread
Replies: 14
Views: 1695

Re: Another cut the cable thread

Interested in hearing about some BH alternatives to cable tv. We would like ability to record programs. Your thoughts and ideas please? I purchased a TIVO OTA a couple of years ago with a lifetime subscription. Connects to an antenna and records. There are other boxes out there as well. Same here -...
by Parthenon
Wed Aug 30, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 5635

Re: Best lubricant for exterior door locks

If you are having difficulty extracting the key from the lock that is usually caused by the portion of the key, the 'ramp', that comes in contact with the internal pins during key removal. If that part is rough it will make extraction difficult. Some duplication machines do so with very rough result...
by Parthenon
Mon Jul 31, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 5810

Re: Wooden flooring in kitchen

A dishwasher leak while on vacation is a major concern. Whenever I go on vacation I always turn off the water coming into the house. A leak while you are gone can cause considerable damage before being noticed. Even if I go away for just a day I always turn off the water. Ed My small leak was when ...
by Parthenon
Mon Jul 31, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 5810

Re: Wooden flooring in kitchen

unclescrooge wrote: A dishwasher leak while on vacation is a major concern.
Whenever I go on vacation I always turn off the water coming into the house. A leak while you are gone can cause considerable damage before being noticed. Even if I go away for just a day I always turn off the water.

Ed
by Parthenon
Fri Jul 14, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 3369

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

Last year I bought a Ford Flex to accommodate two children's car seats and adults with baggage. The kids loved sitting in the third row because when it came time to exit the third row, the seats tumble backward for easy exit out the rear. And, surprisingly the space behind the third row has room for...
by Parthenon
Sun Jun 04, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 6860

Re: Is Flagship membership status worth a $50 [transaction] fee?

If you anticipate making many wire transfers in the future it may be worth paying the $50 to avoid charges for wire transfers out of your non-retirement funds. Apparently, Vanguard won't ding Flagship customers for those wire transfers.

Ed
by Parthenon
Fri Mar 31, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with credit card identity theft?
Replies: 22
Views: 2458

Re: How to deal with credit card identity theft?

I just traveled this road over the Christmas holidays. In addition to what you have done you may want to file a Form 14039 with the IRS to make them aware that you have experienced identity theft. You can get it at the IRS website https://www.irs.gov/pub/irs-pdf/f14039.pdf

Ed
by Parthenon
Sun Mar 19, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 8058

Re: Rule of Thumb for Getting Rid of Car

One major issue with selling the car, and I can't emphasize this enough, is to have a bill of sale with the new owners driver's license information on it. In the past I sold one vehicle to a private party and several months later got a call from a sheriff in a local county telling me it was abandone...
by Parthenon
Sun Mar 19, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 23860

Re: Best place to get eyeglasses / no vision insurance

Over the last twenty years I've been using America's Best. If you don't get all the fancy extras they try to sell you can get two pairs and the eye exam for their advertised price. Bifocals will cost more but not that much. Since getting cataracts removed I no longer need glasses except for reading ...
by Parthenon
Wed Mar 15, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 26894

Re: Costco tire - Michelin vs Bridgestone

Last year I traded in a 1996 Ford Windstar with 82,000 miles with the original Michelin tires and a substantial amount of tread left on them. This may not be typical and the quality of todays tires may not be the same but if I had to purchase another set of tires today I would go with the Michelins....
by Parthenon
Mon Feb 20, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 2592

Re: How do you invest the proceeds [from your RMD?]

Interesting. Ed, I also order QCDs with my RMD funds spread out over the year, but do it by telephone several times a year. Doing it my mail (snail mail, I assume use use.) are you able to spread the check receipts over the year or do you receive them all at once? I usually do it early in the year ...
by Parthenon
Sun Feb 19, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 2592

Re: How do you invest the proceeds [from your RMD?]

I usually transfer the RMD amount into a money market fund within the IRA, then send a letter to Vanguard with a list of qualified charities that I plan to donate to for the entire year. If you make them aware that these will be Qualified Charitable Deductions, they will mail you the checks and you ...
by Parthenon
Sun Feb 19, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 2491

Re: Is it worth filing an amended tax return?

We filed using the Free File Fillable Forms. Anyone know if we can file an amended return using Free File Fillable? You can fill out the 1040X on line at their website but you must print and file by mail. Click on https://www.irs.gov/pub/irs-pdf/f1040x.pdf and the pdf can be filled out then printed...
by Parthenon
Tue Feb 14, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 15743

Re: Insane Bloodwork Cost (Quest Diagnostic)

The last time I used Quest, several years ago, during the preparation for blood work the phlebotomist using her computer came up with a price for the procedure and told me what my portion of the bill would be and asked if I wanted to pay upfront. I also have UnitedHealthcare and told her no, I would...
by Parthenon
Fri Feb 03, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 8542

Re: Robocalls! -- current best call blocker?

Nomorobo now has an app for iPhones but it may not be free. Take a look at https://www.nomorobo.com

Ed
by Parthenon
Mon Jan 23, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for Citibank Costco Visa
Replies: 25
Views: 9670

Re: Turned down for Citibank Costco Visa

In addition to freezing your credit with TransUnion, Equifax, and Experian you may want to file an Identity Theft Affidavit Form 14039 with the IRS and make them aware of your predicament.

They may invite you to get a PIN before filing your income tax this year.

Ed
by Parthenon
Mon Jan 23, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 3999

Re: Do you check your credit reports annually?

The nice feature of Credit Karma is that they will email you if there are any changes to your credit. Anything from a change to your FICO score to any activity like hard credit pulls, changes to employer etc. Which proved valuable since someone, over the holidays, tried to open several accounts from...
by Parthenon
Mon Jan 16, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: A basic question about MAGI
Replies: 10
Views: 1018

Re: A basic question about MAGI

Buried in: 26 U.S. Code § 36B - Refundable credit for coverage under a qualified health plan can be found: (B) Modified adjusted gross incomeThe term “modified adjusted gross income” means adjusted gross income increased by— (i) any amount excluded from gross income under section 911, (ii) any amoun...
by Parthenon
Mon Jan 16, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: A basic question about MAGI
Replies: 10
Views: 1018

Re: A basic question about MAGI

Check out: http://www.healthreformbeyondthebasics. ... me-FAQ.pdf

You will include all of your Social Security as part of MAGI. The second paragraph explains this.

Ed
by Parthenon
Fri Jan 06, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Date i
Replies: 29
Views: 2691

Re: Year-end statement is missing my December bond fund and money market fund dividends and showing incorrect Year to Da

If you look at the "Transaction History" associated with your bond fund, you will see that the date that dividend was credited was 12/30/2016 regardless of the 1/03/2017 payment date indicated elsewhere under Distributions. The 1/03/2017 date is when you will see those dividends in your account.

Ed
by Parthenon
Fri Dec 16, 2016 1:12 am
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 4112

Re: Your fava 70% dark chocolate brand?

Today I just purchase 3.52 oz bars of Falize 74% dark chocolate from a .99 cent store in Encinitas CA and I have to say I've never had better. Perhaps the rum in my lemonade contributed to the flavor, but for a buck it was definitely the best I've tasted so far and I exclusively eat dark chocolate a...
by Parthenon
Tue Dec 13, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: "New" or Refurb Rechargeables for Old Tools
Replies: 36
Views: 2833

Re: "New" or Refurb Rechargeables for Old Tools

Recently bought a new battery for my 30-yr old cordless Makita drill from Mcmaster-Carr. Although a comparable new drill would cost about 2-3x battery price, it's nice to keep this one going, and beyond the old battery it otherwise still worked great. Not sure I will do it again after the current b...
by Parthenon
Thu Dec 01, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: removing mildew/mold from sidewalk
Replies: 45
Views: 37452

Re: removing mildew/mold from sidewalk

Are you sure it is not lichen? I've tried using bleach and even muriatic acid without a great deal of success. There are products that claim to take care of lichen but I haven't tried them yet.

Ed
by Parthenon
Thu Nov 17, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Tax bomb at 70 1/2
Replies: 71
Views: 11771

Re: Tax bomb at 70 1/2

For those individuals who are trying to use up space up to the maximum in the 25% federal tax bracket for making traditional IRA conversions to a Roth, don't forget about the $170,000 limit (for married couples) in MAGI before you pay a higher premium for Medicare Part B. Onto Line 37 of Fed 1040 yo...
by Parthenon
Thu Nov 10, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 40
Views: 3844

Re: QCD Mechanics

You may want to check out this thread for some explanations. viewtopic.php?f=10&t=202913&newpost=3111018

Ed
by Parthenon
Wed Nov 09, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: Checkwriting from IRA account for charitable contributions
Replies: 13
Views: 2469

Re: Checkwriting from IRA account for charitable contributions

With checks issued by the Custodian and mailed by you, you have no way of knowing if the check was cashed other than asking the Custodian. If you write the check yourself, your account will show when it was cashed. It's important to get an acknowledgement from each charity, no matter how small the ...
by Parthenon
Wed Nov 09, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Checkwriting from IRA account for charitable contributions
Replies: 13
Views: 2469

Re: Checkwriting from IRA account for charitable contributions

Hmmm, I wonder if we should request to change Flagship reps. We e-mailed the rep. a list similar to yours, but mine told DH to block out 45 minutes to care for the 13 charitable distributions ... he was planning to go over each charity on our list, confirm the info, go offline to make the trade, an...
by Parthenon
Wed Nov 09, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Checkwriting from IRA account for charitable contributions
Replies: 13
Views: 2469

Re: Checkwriting from IRA account for charitable contributions

In order for Required Minimum Distributions from an IRA which are going to be contributed to a qualified charitable organization to be tax exempt you must follow the IRS rules explicitly. So far Vanguard has not created a way to expedite this process online so you must email your representative with...
by Parthenon
Sun Sep 11, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Just answered telephone political poll. Now concerned.
Replies: 49
Views: 8257

Re: Just answered telephone political poll. Now concerned.

The last time I got a call to participate in a survey I said sure, how much are you paying. The guy said they didn't pay, why would they? I suggested that without my input they had nothing and asked him if he was doing this for nothing. He of course said no. I told him he was just a clerk taking dow...
by Parthenon
Wed May 11, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: What to include on Form 709
Replies: 4
Views: 922

Re: What to include on Form 709

If you are required to file a Gift Tax Return, then all gifts made during the year are required to be reported, after which you deduct the annual exclusion amount that applies to each done. All gifts to charities are also required to be reported, then offset by a charitable deduction. This particul...