Search found 119 matches

by aprilcpa
Wed Jan 17, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: [How to reserve funds for final expenses]
Replies: 10
Views: 488

Re: [How to reserve funds for final expenses]

I preplanned and prepaid for my aunt’s final expenses. The funeral home set up a pre-need insurance account. After she passed, they had all the info and submitted the claim. The estate received a small refund. It was so much easier than doing it all after she passed. The main reason I did that was s...
by aprilcpa
Mon Jan 08, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7369

Re: How much are you putting in a 529?

We put a lump sum of $40k per kid from my inheritance in 2014. I HAD been putting in $2k per year to an ESA since both my kids are in private K-12 and I knew that I could use the ESA for that if needed. I am going to continue putting $2k into the 529 until I feel fairly confident they will have enou...
by aprilcpa
Wed Dec 06, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15612

Re: Do people still use AAA?

Count me as a AAA card holder! One year we had not renewed our membership. About a week later, my car died at Mount Mitchell. We quickly renewed the membership and called AAA for a tow. It was a Sunday in January and was freezing. Let me tell you I have never let that membership lapse since. I have ...
by aprilcpa
Wed Nov 29, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7634

Re: Does it make sense to drop health insurance?

Your scenario is exactly why we went to a health sharing plan (we use Medishare). We have been very happy with it!
by aprilcpa
Wed Nov 29, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11558

Re: After financial independence, do you lose motivation for work?

I'm 45 with kids in the 3rd and 5th grades. We are in the first stage of financial independence - our kids' college education has been funded and we have enough savings to cover our expenses sufficiently for the rest of our lives. Three things keep me working: 1- Even though I am financial independe...
by aprilcpa
Fri Oct 06, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1307

Re: Weeklong vacation Thanksgiving

JupiterJones wrote:
Fri Oct 06, 2017 9:58 am
I'm a bit biased, but... how about Nashville? 8-)
We're going to Nashville over Thanksgiving!!! We have kids age 9 & 10 - right now they love old country music so we're hoping they will enjoy it!
by aprilcpa
Wed Jan 25, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring out of Simple IRA to TIRA
Replies: 9
Views: 962

Re: Transferring out of Simple IRA to TIRA

captpete - I do the same every year. Sure, I'm not earning anything for a year but at least I'm ahead!
by aprilcpa
Tue Sep 20, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Yellowstone Short visit in September - advice?
Replies: 13
Views: 1878

Re: Yellowstone Short visit in September - advice?

Although you won't be able to see everything, you will get a good overview. Like others have said, Mammoth does not wow me as much as the rest of the park so I would drive by and look at it. The first 1/2 day, I would try to do the upper loop. Drive south from Mammoth, but drive past the Norris geys...
by aprilcpa
Thu Apr 28, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1826

Re: Car Seat for vacation car rental

I may get flamed for this but here's what we did. My daughter was the only one (at age 6.5) that required a car seat. We did not bring a car seat with us, instead, we drove directly to Walmart and bought a $12 booster seat that we used for our trip. We did bring it back home with us but we would hav...
by aprilcpa
Tue Apr 19, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Cell phone - Separating work from life
Replies: 18
Views: 2095

Cell phone - Separating work from life

I am a CPA but an employee in a CPA firm. I have clients constantly asking for my cell phone number so they can contact me when they think of questions (via text or phone). I refuse to give them my number. I understand that sometimes you have things come up outside normal business hours but are we c...
by aprilcpa
Tue Apr 12, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: CPA pricing and physical location
Replies: 41
Views: 3207

Re: CPA pricing and physical location

Is this for your 2015 return? Because if it is, shame on you for waiting so long!

When you say your 1099's are out of state, what do you mean? Do you reside in one state or are there multiple state returns? And what kind of 1099's?
by aprilcpa
Thu Apr 07, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 35
Views: 4272

Re: Concrete or Asphalt driveway?

I think a good, solid, well drained base is the most important part of the job (and keeping the fuel oil truck and other heavy trucks off the driveway especially in the winter time) One reason my husband thinks concrete would be better is because he occasionally drives a dump truck hauling equipmen...
by aprilcpa
Wed Apr 06, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 35
Views: 4272

Re: Concrete or Asphalt driveway?

If cost is an issue, have you looked at chip&tar (macadam). We had a gravel driveway -- about 200 feet long. It was in bad shape and weeds grew up but we liked the informal look of gravel (we live in the country). We had it paved with macadam last year and it looks great, no weeds so far. I don...
by aprilcpa
Wed Apr 06, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 35
Views: 4272

Concrete or Asphalt driveway?

We have lived at our home for 22 years with a 1/3 mile long gravel driveway. One item on our wishlist is to pave it and we are in the process of getting quotes. Based on them, the cost for concrete is about 10-15% higher than asphalt. Given the hilly and curvy terrain, a friend (that paves using asp...
by aprilcpa
Thu Mar 31, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Where would you pick for five days - Yellowstone, Seattle area, or Canadian Rockies?
Replies: 13
Views: 1307

Re: Where would you pick for five days - Yellowstone, Seattle area, or Canadian Rockies?

Since we will be at Flathead Lake, I imagine we will do day trips to Glacier. I am concerned that the Going to the Sun road may not be open while we are there.
by aprilcpa
Thu Mar 31, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Where would you pick for five days - Yellowstone, Seattle area, or Canadian Rockies?
Replies: 13
Views: 1307

Where would you pick for five days - Yellowstone, Seattle area, or Canadian Rockies?

Our summer vacation is coming up in June. We are flying in/out of Spokane and spending the first week at the Flathead Lake Lodge. It will be me, husband, son (9), daughter (7), and mother in law. I need to decide soon what we will do for the next five days. Choices are: A - Yellowstone and Tetons - ...
by aprilcpa
Tue Mar 29, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: I hate monthly payments...
Replies: 25
Views: 4704

Re: I hate monthly payments...

I don't like monthly payments either. I don't even like to pay car or homeowners insurance monthly.
by aprilcpa
Tue Mar 29, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Passing the CPA Exam 2016-17 edition
Replies: 23
Views: 4357

Re: Advice for Passing the CPA Exam 2016-17 edition

Back when I took the exam, a college an hour away had a CPA exam review class (my degree was not in accounting, I decided after working a while that I wanted to be a CPA). We basically went thru the Bisk CPA review books. Back then, I took the exam in November and I ate, breathed, and slept the CPA ...
by aprilcpa
Mon Mar 07, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 11588

Re: Bread - The Cost and Convenience

We can't seem to eat an entire loaf of bread before it goes bad. But, we have a bakery outlet in our town that sells route returns (loaves, buns, bagels, english muffins, etc.) that are still within the sale date for $1 a pack. That's a deal for us and we try to go at least once every few weeks to b...
by aprilcpa
Sat Feb 27, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Citibank wants tax returns for a credit card???
Replies: 50
Views: 9923

Re: Citibank wants tax returns for a credit card???

A few months ago I applied for a Citibank card (don't remember which one) and got a letter with a long list of items they wanted me to send in - tax returns, check stubs, etc. I called them because I have a high credit score, no mortgage, and no other debt for that matter. I have never been asked to...
by aprilcpa
Sat Feb 20, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 71
Views: 12930

Re: Getting Best Price for a Prescription Drug

I have used www.canadapharmacy.com for years. I started when Zyrtec was still prescription only in the US but generic elsewhere. The drugs are in the manufacturer sealed bottles and usually come from western European countries. The biggest issue I have is getting a written prescription from my docto...
by aprilcpa
Fri Feb 12, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Some retirement questions and how to protect home from Medicaid?
Replies: 59
Views: 4592

Re: Some retirement questions and how to protect home from Medicaid?

I also should mention... I plan on paying half of my grandparent's mortgage and giving them $50,000, with the expectation that I will get that money back with the sale of the home many years later. So, I definitely want to protect my interest. We plan on speaking to an elder law attorney after the ...
by aprilcpa
Thu Feb 11, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Some retirement questions and how to protect home from Medicaid?
Replies: 59
Views: 4592

Re: Some retirement questions and how to protect home from Medicaid?

See an attorney in your area who specializes in these issues since they vary state to state. What may work in NC may not in CA.
by aprilcpa
Tue Feb 09, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $30k from a trust in a mutual fund?
Replies: 7
Views: 708

Would you invest $30k from a trust in a mutual fund?

The title pretty much says it all. I am the trustee of a supplemental needs trust for my 70 year old aunt. The total assets of the trust will be about $38k after I prepay her funeral. I plan to keep 5-8k in a local savings account for immediate needs. She is currently on medicaid and I have spoken w...
by aprilcpa
Mon Jan 11, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: I am the trustee of a special needs trust - advice wanted
Replies: 7
Views: 943

Re: I am the trustee of a special needs trust - advice wanted

Thank you lanerious for the link to the very informative handbook!

I have an appointment with an attorney and will determine exactly what kinds of benefits my aunt receives.
by aprilcpa
Mon Jan 11, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: I am the trustee of a special needs trust - advice wanted
Replies: 7
Views: 943

I am the trustee of a special needs trust - advice wanted

My aunt recently passed away and left a SNT for the benefit of another one of my aunts. She is seventy years and has lived in poverty all of her life. While not a great sum (about $35,000), that amount would make my aunt feel like she had won the lottery. She is currently on medicaid and I am meetin...
by aprilcpa
Tue Dec 22, 2015 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to your wife about finances
Replies: 31
Views: 3122

Re: Talking to your wife about finances

[quote="jdispaldo"]Aprilcpa: What would be her suggestion for what to do with the money? What I meant was would she invest it, save it, or pay off debt? In investing-speak? Bonds, Cash, perhaps real estate since she is familiar with it. Her grandmother is an agent. Anecdotally, she had nev...
by aprilcpa
Tue Dec 22, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Talking to your wife about finances
Replies: 31
Views: 3122

Re: Talking to your wife about finances

What would be her suggestion for what to do with the money? What interest rate are you paying on your mortgage and student loans? I'm a big fan of putting as much as possible to grow tax deferred. I would let her help you in the decision making process and make some sort of compromise. What would be...
by aprilcpa
Tue Dec 08, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Nursing home billing for skilled nursing
Replies: 4
Views: 613

Re: Nursing home billing for skilled nursing

Thanks for the info. The only way I know if she is receiving skilled care is when I receive the notice from Humana saying when approval starts and again when it ends. I was looking for the claims to be submitted quickly because most other providers' EOBs are available within two weeks. The skilled c...
by aprilcpa
Tue Dec 08, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 42058

Re: Flaunt Your High-Mileage Car

Our vehicles: 2000 Toyota Avalon - 192,000 miles - bought in 2003 for $18,000 with 40,000 miles 2005 Honda Odyssey - 152,000 miles - bought in 2008 for $16,000 with 35,000 miles 2004 Ford F-250 diesel - 148,000 miles - bought in 2010 for $20,000 with 46,000 miles I will note that we did take out loa...
by aprilcpa
Tue Dec 08, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Nursing home billing for skilled nursing
Replies: 4
Views: 613

Nursing home billing for skilled nursing

I am my aunt's POA and she is currently in a nursing home. For the past several months, she has been alternating between skilled and custodial care. She has Humana/medicare and Tricare. Is there a way that I can see how much the nursing home has been billing each insurance for their services? The fi...
by aprilcpa
Thu Sep 24, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: IRS cannot 'verify' Obamacare credit for 2014??
Replies: 44
Views: 4130

Re: IRS cannot 'verify' Obamacare credit for 2014??

livesoft wrote:Next stop: Your elected representative to Congress.


Best of luck to anyone on that. I called all my representatives concerning my issues with the Marketplace and never heard anything back from ANY of them.
by aprilcpa
Thu Sep 24, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: IRS cannot 'verify' Obamacare credit for 2014??
Replies: 44
Views: 4130

Re: IRS cannot 'verify' Obamacare credit for 2014??

OP - Did you file a form 8962 with your 1040? That form reconciles the amount of the premium credit taken with the credit amount allowable.

I will only say that my dealings with the Marketplace have been disastrous and I finally cancelled my policy and have an exemption.
by aprilcpa
Tue Sep 15, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 7000

Re: Formal Dinnerware

Not sure how frugal you want to be, but there is a local thrift store in my area that carries entire sets of formal china.
by aprilcpa
Fri Sep 11, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Business/investment board games for fun and education
Replies: 1
Views: 311

Re: Business/investment board games for fun and education

What age kids?

My kids are 6 & 8 and we have introduced Life and Monopoly! At a minimum they are learning how to count money and make change!
by aprilcpa
Fri Sep 04, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Poke holes in my plan.. wanting feedback
Replies: 2
Views: 498

Re: Poke holes in my plan.. wanting feedback

This may not answer your questions but when you say you will max out 401k contributions, are you referring to the IRS max of $18,000 each? If it were me, I would reduce the 401k contributions to only get any match and pay off that student loan debt. And, as an emergency fund, how many month's expens...
by aprilcpa
Mon Jul 27, 2015 9:25 am
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 3569

Re: New Car - Cash or Finance?

I hate debt, so I would just pay cash for it. Maybe not the best financial decision, but it works for me!
by aprilcpa
Wed Jul 22, 2015 8:56 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 5461

What are your financial goals?

I received a sizable (to me) inheritance and one of the pieces of advice on the Wiki about managing a windfall was to make financial goals. Out of curiosity, what are YOUR short and long term financial goals and how do you plan to meet them?
by aprilcpa
Tue May 19, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Sharing Ministry A No Brainer?
Replies: 66
Views: 13250

Re: Healthcare Sharing Ministry A No Brainer?

I just wanted to jump in here and say that we recently cancelled our ACA plan and signed up for Medishare. Although we haven't had anything major happen, when we go to the doctor we tell them we don't have insurance and pay in cash. We get a substantial discount for paying upfront. Our sharing amoun...
by aprilcpa
Mon May 04, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Family + Rental Property + Interesting Scenario
Replies: 22
Views: 3173

Re: Advice Needed: Family + Rental Property + Interesting Scenario

So you rent it now for $2350/month? And your big reduction to your MIL is to $2250/month?
by aprilcpa
Mon Apr 27, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inheritance
Replies: 34
Views: 3358

Re: Help with Inheritance

Here's what I would do: $10,000 - BLOW IT! $50,000 - Emergency funds $11,000 - Set up Roth IRA's for both you and your wife, which can be used for college $4,000 - Contribute maximum ($2,000 each) to Coverdell savings plans $36,000 - max 401k contributions for 2015 $57,000 - pay off student loans Fi...
by aprilcpa
Mon Apr 27, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inheritance
Replies: 34
Views: 3358

Re: Help with Inheritance

What are your priorities? Do you have an emergency fund? Any other debt (cars, credit cards)? What are the payments on your house and student loans and other debt? How many years do you have left on your mortgage? My first piece of advise is to put it in the bank and not touch it for at least one ye...
by aprilcpa
Mon Apr 27, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Person - Idenity Thieft
Replies: 18
Views: 1628

Re: Deceased Person - Idenity Thieft

My dad's identity was stolen about 14 months after he passed. An attorney is the executor and did not notify the credit bureaus (nor did he close the credit card accounts he had). At one store, they were declined a credit card but at Lowes Hardware they charged a few cents less than the credit limit...
by aprilcpa
Mon Apr 13, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Which taxable account to pay for kids' private school?
Replies: 4
Views: 791

Re: Which taxable account to pay for kids' private school?

Why pay taxes if you don't have to? I'd use the ESA to pay for private school and make 529 contributions if you want to keep the same tax-advantaged space for college.[/quote] Why would I want to lose the tax advantaged space when I can let it grow for 10-12 years? I am not making further contributi...
by aprilcpa
Mon Apr 13, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Where to buy toddler / kids sneakers?
Replies: 15
Views: 1507

Re: Where to buy toddler / kids sneakers?

I buy my kids' shoes at the Stride Rite Outlet, usually BOGO 50% off outlet price.

My DS has only wore out one pair of their shoes. We've tried other brands but they just don't fit right.
by aprilcpa
Mon Apr 13, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Which taxable account to pay for kids' private school?
Replies: 4
Views: 791

Which taxable account to pay for kids' private school?

I have the following accounts set up for my kids (age 6 & 7): 3 years of private school expenses in savings account earning 1% 7-9 years (depending on child) of expenses in Vanguard's Lifestrategy Moderate growth fund Amounts in Coverdell ESA Amounts in 529 plan Obviously, I want to use the fund...
by aprilcpa
Thu Apr 09, 2015 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 4288

Re: Am I justified in being angry with executor?

Was there any cash in the estate? One option is to do a partial distribution of the estate if the Executor is confident there are sufficient assets. But the fact that the Executor told you that you needed to fund the expenses of the properties yourselves before title transferred makes me think ther...
by aprilcpa
Wed Apr 08, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 4288

Re: Am I justified in being angry with executor?

The real estate that has to be distributed has named beneficiaries in the will and there is no debt associated with it - two properties to me and two to my brother. It is in the county the estate is being administered. The executor made a big deal when he initially met with us that WE are responsibl...
by aprilcpa
Wed Apr 08, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 4288

Re: Am I justified in being angry with executor?

No debts, no 706 return required, no difficulties in valuing assets (that was done last year about this time).
by aprilcpa
Wed Apr 08, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Am I justified in being angry with executor?
Replies: 22
Views: 4288

Am I justified in being angry with executor?

My dad passed away 12/24/13 and named an attorney as the executor in his will. Dad had about 8 pieces of real estate (in two different counties - four properties have been distributed), a partnership that passed thru the estate (which has been settled), several POD accounts that have been settled, t...