Search found 145 matches

by aprilcpa
Sun Jun 17, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 9
Views: 1322

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: 1131

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: 79
Views: 4466

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: 3991

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: 3991

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: 792

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: 15263

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: 15263

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: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3912

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: 5167

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: 54
Views: 4624

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: 4562

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: 4562

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: 4562

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: Investing - Help with Personal Investments
Topic: Early Payment of Promisory note (to me)
Replies: 3
Views: 417

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: 574

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: 656

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: 656

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: 656

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: 656

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: 656

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: 795

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: Investing - Help with Personal Investments
Topic: "Family View" at vanguard.com
Replies: 11
Views: 1572

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: 839

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: 3340

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: 662

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: 9587

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: 24198

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: 9433

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: 12947

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: 1501

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: 1049

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: 2055

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: 1905

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: 2149

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: 3245

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: 45
Views: 6185

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: 45
Views: 6185

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't r...
by aprilcpa
Wed Apr 06, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 45
Views: 6185

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: 1343

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: 1343

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: 4894

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: 4912

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: 11990

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: 11157

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: 13525

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: 4777

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: 4777

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: 732

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...