Search found 166 matches

by aprilcpa
Tue Dec 24, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: AAA Batteries, retail vs. OEM difference?
Replies: 27
Views: 2112

Re: AAA Batteries, retail vs. OEM difference?

The last few packs of AA Duracell batteries I have purchased have leaked. Therefore I usually just buy el cheapos at Harbor Freight.
by aprilcpa
Tue Dec 24, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Self-employed with $100k income - Should I contribute to solo 401k to get medicaid
Replies: 8
Views: 881

Re: Self-employed with $100k income - Should I contribute to solo 401k to get medicaid

To qualify for Medicaid in NC you have to meet "resource" limits. Have you looked into that??
by aprilcpa
Wed Oct 02, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how to pay for private K-12
Replies: 5
Views: 992

Re: Deciding how to pay for private K-12

We are in NC so no deduction for the 529 deposits. We initially deposited $40,000 into the 529. The high school they would attend was in jeopardy of losing its accreditation - that’s how bad it is. Our county has a program for high school juniors and seniors to attend the local community college and...
by aprilcpa
Wed Oct 02, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding how to pay for private K-12
Replies: 5
Views: 992

Deciding how to pay for private K-12

When my dad died, I set aside money for our kids' education. The kids are in 5th & 7th grade and go to a private K-12 school because our public schools are sub par. Cost is approximately $7,000 per year per child. At this point I have the following (for each child): $56,000 529 plan $20,000 Coverdel...
by aprilcpa
Wed Aug 28, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 6985

Re: Disney plus streaming deal

Thanks for posting this! My Star Wars obsessed son will love this new "channel"!!
by aprilcpa
Mon Jul 29, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have or previously had MediShare health insurance? [Health Care Sharing Ministry]
Replies: 20
Views: 2170

Re: Anyone have or previously had MediShare health insurance? [Health Care Sharing Ministry]

My family of 4 has had MediShare for five years now. I have high cholesterol and I was put on preexisting conditions for three years. My husband had shoulder surgery and it paid everything after our "deductible". Our biggest complaint is not with MediShare but with the providers who are not familia...
by aprilcpa
Mon Jul 29, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have or previously had MediShare health insurance? [Health Care Sharing Ministry]
Replies: 20
Views: 2170

Re: Anyone have or previously had MediShare health insurance? [Health Care Sharing Ministry]

My family of 4 has had MediShare for five years now. I have high cholesterol and I was put on preexisting conditions for three years. My husband had shoulder surgery and it paid everything after our "deductible". Our biggest complaint is not with MediShare but with the providers who are not familiar...
by aprilcpa
Tue Apr 09, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner - need recommendation
Replies: 13
Views: 1169

Re: Robot vacuum cleaner - need recommendation

I have had this one for six months and love it!

https://www.walmart.com/ip/ILIFE-V5s-Pr ... /336086005

My sister in law has had this brand for years - they even have dogs and it is still working!
by aprilcpa
Tue Apr 09, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: can I afford second home purchase with retirement funds
Replies: 19
Views: 2505

Re: can I afford second home purchase with retirement funds

I am also thinking, If it does work we could eventually sell our current house and live there full time, but if it dosnt workout in a couple of years, we can sell, and be no worse off than today, as it is a desirable area and probably wont loose value. I am not sure of the area that you are referri...
by aprilcpa
Mon Mar 04, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Who/What kind of tax planning advice/help do we need?
Replies: 5
Views: 431

Re: Who/What kind of tax planning advice/help do we need?

Foreign inheritance/bank account I'm wondering if it may make sense to find someone and ask them to review our last few years of taxes as well. Thoughts on that? This area is where you need to concentrate your search -the other items are more general questions but this is a specialty item. I imagin...
by aprilcpa
Wed Feb 27, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: List of questions to ask before opening a brick-and-mortar bank account?
Replies: 31
Views: 1579

Re: List of questions to ask before opening a brick-and-mortar bank account?

I am going to have to open a business checking account so I am adding an additional question so I can reference back to this thread.

How much is access to Quicken? I had an account that charged $12 to directly download my bank activity to Quickbooks. I found this completely unacceptable.
by aprilcpa
Tue Feb 26, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4558

Re: Is the Chase Sapphire Preferred card any good?

The biggest reason I keep the Sapphire preferred is the primary rental car insurance. We typically rent for more than 2 weeks so that alone saves us more than the annual fee.
by aprilcpa
Fri Feb 08, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Sell the house or keep it for rent?
Replies: 30
Views: 1955

Re: Sell the house or keep it for rent?

First, does property #2 qualify for the 2/5 year personal residence exemption? Who manages property #2? You don't mention what the mortgage balance on any of them are. Based on your facts, sell #3 and get the gain exclusion. If you could use the proceeds from the sale of #3 to pay off the mortgage a...
by aprilcpa
Fri Feb 08, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Need property insurance help
Replies: 3
Views: 184

Need property insurance help

Some background: my nephew and I own approximately 90 acres of raw land that our families are in the process of clearing. At this point, we are unsure of the final use of this property - if it will be used for strictly personal use or if we will subdivide it and sale. Each of our families have const...
by aprilcpa
Wed Feb 06, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: List of questions to ask before opening a brick-and-mortar bank account?
Replies: 31
Views: 1579

Re: List of questions to ask before opening a brick-and-mortar bank account?

One thing I've ran into at my credit union is how much cash can I withdraw without notice. I wanted to pay a contractor with cash to get a better price and had to make multiple trips to different locations to get the amount I needed within a few days. My credit union balks at anything over about $4,...
by aprilcpa
Mon Feb 04, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: How to give notice to unresponsive landlord without his address?
Replies: 47
Views: 3102

Re: How to give notice to unresponsive landlord without his address?

In NC, you can usually check the county office register of deeds and sometimes there is an address for the property owner. Also, do you know if he is operating as a LLC or other organization where you can search state secretary of state records? In NC you can search by a person's name. The next tact...
by aprilcpa
Thu Jan 24, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Negotiating a part-time schedule for a career that is typically full-time?
Replies: 22
Views: 967

Re: Negotiating a part-time schedule for a career that is typically full-time?

I think a lot depends on your field and your company's business. I am a CPA in public practice, so my circumstances are a win-win for my employer and me. I work full time during tax season and then work part time the rest of the year. We have an understanding that unless I am out of town, I am avail...
by aprilcpa
Thu Jan 24, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47915

Re: What lifestyle creep made you happier?

I was remembering the other day how I used to HAVE to watch EVERY PENNY I spent. Now, I can pretty much buy anything I want within reason. Things I am very thankful for: New(er) car with backup camera and other bells and whistles House cleaner once a month More frequent and longer vacations Working ...
by aprilcpa
Wed Dec 05, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 3091

Re: Travel now & work a bit longer, OR the other way around?

Another vote for travel now. Our kids are 10 & 11 and we are taking every opportunity to travel with them. One of the best gifts my parents gave me was taking me places - and not Disney World every year!!!

I would feel better working until the second kid starts college before retiring.
by aprilcpa
Wed Oct 17, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 17
Views: 1542

Re: Zion Nat'l Park & mosquitos in October?

We were there a few weeks ago. Two things I usually pack but didn't for that trip - bug repellent and ponchos. We didn't need either!!
by aprilcpa
Tue Aug 07, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 7360

Re: "Dollar Tree Store" favorites

Foil pans & sheets Straws :D Plastic silverware Hand soap refills for the office Small packs of Clorox wipes (ideal for travel) Gum Headphones for kids to use at school Night light bulbs Artificial flowers Flossers Comet Kitchen cleaner Travel size kleenex Before we go on a trip I go there and get i...
by aprilcpa
Sun Jun 17, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 9
Views: 1478

Re: Cosmetic Question about teeth

Since I already wear a mouthpiece at night for grinding it was no big deal to use the gel from the dentist. However it makes my teeth sensitive so I only use about 10% of the recommended amount. After a few uses my teeth are white enough. There are those people whose teeth are blinding white which l...
by aprilcpa
Sun Jun 17, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Using deceased mother’s jewelry to create new wedding ring
Replies: 9
Views: 1768

Using deceased mother’s jewelry to create new wedding ring

A few weeks ago I fell down the stairs and had to have my wedding and engagement ring cut off. Since then, I am considering using the stones from my mom’s wedding/engagement ring and another ring of hers to create a new wedding ring for myself. Obviously I can’t wear all the rings at once. I usually...
by aprilcpa
Thu Jun 07, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 91
Views: 7213

Re: How much to budget for a week long vacation for 2?

I’m not retired but I set aside $7500 per year for vacations. This year I won’t spend it all because next year I have several trips planned. I imagine when I retire I will keep the amount the same because we won’t be bringing the kids along.
by aprilcpa
Wed May 02, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 51
Views: 5863

Re: Thoughts on Healthcare Sharing?

My wife and I joined a healthcare sharing ministry at the beginning of this year. I did a lot of research in advance, including calling all of our commonly used medical centers. Only one person gave me pushback. Everyone else was quick to tell me how it would work for them. Most said we would be au...
by aprilcpa
Wed May 02, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 51
Views: 5863

Re: Thoughts on Healthcare Sharing?

My family has had Medi-share for the past 3 years. So far, we are impressed with it. Two years ago, my DH needed shoulder surgery. Our "annual household portion" (like a deductible) is $7,500 and they paid all the bills that were over that amount. At the pre-op appointment, we asked how much the sur...
by aprilcpa
Wed Apr 18, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Planning a week in Yellowstone 2019
Replies: 6
Views: 1284

Re: Planning a week in Yellowstone 2019

There will be fewer crowds in September - it's a beautiful time of year!! Personally, I would not stay at Old Faithful for the entire week, although it is centrally located and you would only have to unpack once. Are you planning on visiting the Tetons? If so I would stay a few days in Jackson. We r...
by aprilcpa
Sun Apr 15, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 24723

Re: BH travel tips?

Let’s share some BHish approaches to travel. I would love to hear some tips about traveling with shoes. We tend to pack at least two pairs of shoes - one pair of boots and another pair of everyday shoes, which makes it difficult to travel with only a carryon. I can usually get by with a single pair...
by aprilcpa
Sat Apr 14, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 24723

Re: BH travel tips?

I would love to hear some tips about traveling with shoes. We tend to pack at least two pairs of shoes - one pair of boots and another pair of everyday shoes, which makes it difficult to travel with only a carryon. My travel packing revelation was that regardless of where I went, I could usually fin...
by aprilcpa
Fri Apr 13, 2018 8:53 am
Forum: Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 7684

Re: Crazy to start 529 without kids??

My advice, from someone who received a windfall.

Put the money in the bank (or separate banks for FDIC protection) and let it sit for a year. DO NOT DO ANYTHING FOR AT LEAST A YEAR!!!!!

TRUST ME!!!
by aprilcpa
Thu Apr 12, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 6210

Re: realtor wants to show house to buyer, no listing agent for me

My dad always said EVERYTHING IS FOR SALE FOR A PRICE. So OP, what is your price?
by aprilcpa
Sat Mar 31, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 17061

Re: Tired of gas grills rusting out...

About 15-20 years ago, my friends made fun of us for spending the money for a Weber grill. They could not understand why we spend that much money on a grill. That grill is still on my porch and working perfectly well. Since then, I wonder how much my friends have spent on grills. :D
by aprilcpa
Fri Mar 30, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 6168

Re: When did you know your kids would go to college?

OP here - I never said that my 11 year old was not capable or not college material. I said he was not motivated. I am far from giving up on him - I have already $68k saved between 529 plans and ESAs saved for him!!! My question was simply, when did you know your kids would go to college?? I apprecia...
by aprilcpa
Fri Mar 30, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 6168

Re: When did you know your kids would go to college?

klangFool, here's my reason for asking this question and where we stand viewtopic.php?f=1&t=245679.

We both have college degrees and the kids to go a private school where 90% of graduates go to four year college.
by aprilcpa
Fri Mar 30, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 6168

When did you know your kids would go to college?

We have two kids that are very different. They are both smart and could do whatever they set their mind to. My son, age 11, seems to lack initiative. My daughter, age 9, is the opposite. I don't want to get into the parenting aspect of raising kids, but I am curious as to WHEN you knew or suspected ...
by aprilcpa
Fri Mar 30, 2018 9:16 am
Forum: Personal Investments
Topic: Early Payment of Promisory note (to me)
Replies: 3
Views: 529

Early Payment of Promisory note (to me)

When my dad passed away, I inherited a minority interest in a partnership. I agreed to sell my interest to another partner with a 10 year promissory note, payable in yearly installments of $45,000. This was perfect for me - each I maxed mine & DH's IRAs, maxed ESAs for my two kids, invested $10k, an...
by aprilcpa
Fri Mar 23, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: One month summer vacation with kids age 10 & 12
Replies: 7
Views: 724

One month summer vacation with kids age 10 & 12

I am envisioning a (Griswaldish) one month long summer trip with our kids. Our usual vacations are for two weeks, where we fly somewhere and then drive around staying at hotels or vacation homes. My nephew has a camper that we could use if we wanted although I'm not sure I really want to. Have you e...
by aprilcpa
Wed Feb 21, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Need an education on Rental Insurance
Replies: 14
Views: 762

Re: Need an education on Insurance

If you change the title of your post to reflect that it is insurance for a rental property you might attract responses from people with experience in this. Either that or try a website devoted to rental property such as Bigger Pockets. (Just an example; I'm not recommending it in particular as I'm ...
by aprilcpa
Wed Feb 21, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Need an education on Rental Insurance
Replies: 14
Views: 762

Re: Need an education on Insurance

chevca wrote:
Wed Feb 21, 2018 11:11 am
Clarify this one for us. Is this a house the non-profit uses as an office building, or a house the non-profit uses to let people live in?
The non-profit will use it to house volunteers.
by aprilcpa
Wed Feb 21, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Need an education on Rental Insurance
Replies: 14
Views: 762

Re: Need an education on Insurance

chevca wrote:
Wed Feb 21, 2018 10:55 am

If you have other rentals, you should know about how to insure them, yes? I'm not sure if the non-profit part makes a difference or not though.
Yes, that is why I need to get educated.
by aprilcpa
Wed Feb 21, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Need an education on Rental Insurance
Replies: 14
Views: 762

Re: Need an education on Insurance

Whether your policy says "owner occupied" is, I think, the key to the differences here. I'd bet that your agent got a quote as if you lived in this house. As mentioned above, if you ever have a claim, expect $0 to be paid as it's not an owner occupied house. Unless I misunderstood and you actually ...
by aprilcpa
Wed Feb 21, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Need an education on Rental Insurance
Replies: 14
Views: 762

Need an education on Rental Insurance

I have some rental properties and my brother and I own one together (a house rented to a non-profit organization). We, individually, received quotes from our respective insurance agents for the house we are renting. My quote is $622 (dwelling policy, $2500 deductible, Erie) and his is $1,548 (commer...
by aprilcpa
Tue Feb 20, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: HughesNet Gen 5
Replies: 5
Views: 961

Re: HugesNet Gen 5

Our 2nd home has satellite internet, now thru Hughesnet. We previously had Dish Network, and compared to it, it is wonderful!! However, we only have 10 GB and since we got it, have not been at the house much to use it. Before we got HughesNet, our download speeds were 1-7.5 Mbps and now are 24 Mbps.
by aprilcpa
Thu Feb 08, 2018 9:01 am
Forum: Personal Investments
Topic: "Family View" at vanguard.com
Replies: 11
Views: 1922

Re: "Family View" at vanguard.com

This is awesome! I never knew you could do it! Thanks so much.
by aprilcpa
Thu Jan 25, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: H&R income tax class review
Replies: 17
Views: 993

Re: H&R income tax class review

RDHlooking4FIRE wrote:
Thu Jan 25, 2018 2:43 pm
Thanks for the info. When do classes start? I looked online and nothing was posted for 2018 yet.
The classes are typically offered in the fall.
by aprilcpa
Sun Jan 21, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 4333

Re: Rent (free at library) or buy books?

My family uses the library a lot!! We typically have six to eight books checked out at any point. The books we do purchase are usually from book sales that the local library foundations sponsor. We can find some pretty awesome books for $.50 to $2.00 each! If those books are not deemed keep worthy, ...
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: 793

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: 13947

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: 293
Views: 28550

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 ...