Search found 899 matches

by AAA
Wed Feb 21, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Benefits for Higher Education
Replies: 5
Views: 254

Re: Tax Benefits for Higher Education

If you take $10,000 out of a 529 plan and not use it for education, maybe only $2,000 of that is non-qualified because return of capital is not taxed and not penalized, I knew there was some wrinkle that I wasn't accounting for. I'll have to check, but in our case as we put the funds into the 529 m...
by AAA
Wed Feb 21, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Benefits for Higher Education
Replies: 5
Views: 254

Tax Benefits for Higher Education

I'm having some confusion about how these would apply to the 2017 tax return, assuming income level requirements are met. Our kids have already used up the American Opportunity Tax Credit and are now in graduate school. I am reading now about the Lifetime Learning Tax Credit (apparently the Tuition ...
by AAA
Sun Feb 18, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Include 1099R for direct rollover in 2017 1040?
Replies: 8
Views: 424

Re: Include 1099R for direct rollover in 2017 1040?

I've included the amount of the rollover with a previous filing - there are no adverse consequences as long as the 1099-R is coded as a direct rollover. As others have pointed out, it's something you have to do.
by AAA
Sat Feb 17, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10640

Re: Doctor wants Social Security number

invst65 wrote:
Mon May 15, 2017 11:00 am
Your doctor is probably the last person you'd worry about stealing your identity but that's exactly what happened to a cousin of mine.
A more likely risk is that the doctor's computer system might be hacked if it is not very secure.
by AAA
Tue Feb 13, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless Issues
Replies: 68
Views: 3934

Re: Going Paperless Issues

I do as much paperless as I can, the reason being that the mail in our area has been spotty the past few years - I get other people's mail occasionally and I assume other people get mine (and then hopefully put it in our mailbox). The one exception is the credit card bill, which I still get in the m...
by AAA
Mon Feb 12, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 1038

Re: Schedule B Interest Question

But do not add them together; they are duplicative. They don't appear to be duplicative. From IRS instructions for 1099-INT: Box 1. Shows taxable interest paid to you during the calendar year by the payer. This does not include interest shown in box 3.,, Box 3. Shows interest on U.S. Savings Bonds,...
by AAA
Fri Feb 09, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6307

Re: Financially secure, horrible workplace but just can't FIRE

I was in a similar situation. Given the economy at the time, it was hard to walk away from a good job. Things got to the point, however, that I just couldn't do it any more and I didn't want to do it. People always told me that I'd know when it was time to leave and they were right. So my advice mig...
by AAA
Thu Feb 08, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 26
Views: 2068

Re: How to pay college tuition from a 529?

For the PA plan, the withdrawal form allows you to specify who gets the money. It can go directly to the school or to whoever else is named (not necessarily the beneficiary of the plan e.g. the parent fronts the payment to the school and then gets reimbursed from the plan). The one issue with naming...
by AAA
Tue Jan 30, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4922

Re: A "Home" cell phone?

Since we have t.v., phone and internet bundled together with Verizon, I don't really know what the phone part is costing. It seems with these companies that sometimes a bundle is almost cheaper than one of the services by itself. In any case, we like having a landline. Cellphones are still not total...
by AAA
Sat Jan 27, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thank you
Replies: 10
Views: 577

Re: Thank you

What is PAS?
by AAA
Fri Jan 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1632

Re: Basic questions about having your own website

I realize you may have already made a decision by now, but I wanted to follow up regardless. Thanks, and nothing done yet. I want to keep my domain name. It was created with the thought of possibly having a small side business, which hasn't happened yet and maybe never will, and I can stay with iPa...
by AAA
Wed Jan 24, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Have you ever found an error on your amazon bill?
Replies: 20
Views: 1632

Re: Have you ever found an error on your amazon bill?

I've never found a true error, but I do find it tedious to match up with my credit card statement. I have found numerous times where what looks like separate charges from the Amazon invoices actually get lumped into a single charge on my credit card. Agree. The order confirmation emails used to lis...
by AAA
Tue Jan 23, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: ETF Equivalent to Mutual Funds
Replies: 9
Views: 593

Re: ETF Equivalent to Mutual Funds

Timicranston wrote:
Tue Jan 23, 2018 10:17 am
I have some Fidelity Mutual Funds I'm moving to ETF's.
Just curious as to why one would do this.
by AAA
Sat Jan 20, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab vs fidelity
Replies: 25
Views: 2363

Re: Schwab vs fidelity

I've done partial rollovers of my 401K from Merrill Lynch to two different brokerages. Once the brokerage accounts were set up, ML mailed a check directly to the brokerage, not me. I think this is fairly normal and it was hassle free. Actually, when I withdrew both before tax and after tax money, th...
by AAA
Thu Jan 18, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2559

Re: Recommend an A.C. powered auto tire inflator

If anyone is still following this thread, I finally settled on the Kensun AC/DC Rapid Performance Portable Air Compressor. https://www.amazon.com/Kensun-Performance-Portable-Compressor-Inflator/dp/B01J8Y91GC/ref=cm_cr_arp_d_product_top?ie=UTF8 A bit pricier than I planned, but it runs on 110 volt a....
by AAA
Wed Jan 17, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Need to move "safe" money to another place
Replies: 22
Views: 2617

Re: Need to move "safe" money to another place

2) In plain English, how are brokered CDs (Vanguard) different from “regular” CDs at Ally? There is no early withdrawal penalty option with a brokered CD - you would have to sell it on the secondary market with possible loss depending on how interest rates have moved since you purchased it. Also, t...
by AAA
Tue Jan 16, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4030

Re: Umbrella Policy - 1M or 2M

flamesabers wrote:
Tue Jan 16, 2018 4:31 pm
My rule of thumb with umbrella insurance is to buy enough coverage to protect my assets.
Good if that works for you, but one could be sued for more than the amount of one's assets.
by AAA
Mon Jan 15, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Will IRS make paper tax forms available?
Replies: 23
Views: 1467

Re: Will IRS make paper tax forms available?

euroswiss wrote:
Mon Jan 15, 2018 4:51 pm
I'm not "anti-government" at all, but I have NEVER seen a decent website run by the Federal Government. They are ALWAYS outdated in their design and their functionality is completely non-intuitive.
It could be in part because the agency in question is not well funded.
by AAA
Mon Jan 15, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4030

Re: Umbrella Policy - 1M or 2M

There have been many threads here about this. Usually it comes down to a level of comfort.

I started at 1M years ago and went up gradually as the premium increases were not that great. I think the premium increase you were quoted to go from 1M to 2M seems a bit high.
by AAA
Sun Jan 14, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3816

Re: Are land line phones still being supported?

We still have them throughout the house and find them to be much preferable to using our cell phones.
by AAA
Sun Jan 14, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2559

Re: Recommend an A.C. powered auto tire inflator

Get a low pressure foot pump. The hassle in pressing the pedal is less than the hassle in handling a cord, they last forever, and the analog gauge is calibrated for the range of pressures needed. Not exactly what I was looking for. :o I actually had one of these years ago but don't remember much (e...
by AAA
Sun Jan 14, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Apple Mac Mini/Pro Updates? Don't Want iMac
Replies: 14
Views: 1355

Re: Apple Mac Mini/Pro Updates? Don't Want iMac

Get a MacBook (Pro) and attach it to a monitor/keyboard/mouse with its lid shut. That's what I do with my 2011 MacBook Pro - it's like having a desktop with the addition option of portability. Of course, with the current ones, you will need adapters to connect to monitor/keyboard/mouse. And the "Ap...
by AAA
Sun Jan 14, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2559

Re: Recommend an A.C. powered auto tire inflator

It does not have A/C, but I have been happy with a Slime pump. It is pretty fast even though only running on the car battery and does have what seems to be an accurate digital gauge with a pressure preset, so it shuts itself off. Don't know if they make an A/C model. Do you have to run the car engi...
by AAA
Sun Jan 14, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2559

Recommend an A.C. powered auto tire inflator

It appears that my current rechargeable, portable inflator no longer works. I'd like to replace it with a 110v inflator as I'm always doing this in my garage or driveway (dual a.c./d.c. would be a bonus). Can someone recommend a reliable one with an accurate gauge? Typical analog gauges go up to hig...
by AAA
Sat Jan 13, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3511

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

I know someone who was told there'd be a two month delay in being covered on their new job and they opted for Obamacare. I thought the two month period without insurance was unusual as this person was a full-time employee the first day. It turned out that HR had given this person incorrect informati...
by AAA
Sat Jan 13, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1335

Re: Storing Important Documents Online

If you think about it, a variety of companies are already storing our data online. Banks, health insurance, payroll processors, tax authorities, credit bureaus, etc. And they've lost it online throughout the years, too. Storing it online yourself, expecting you take logical precautions, makes no di...
by AAA
Sat Jan 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1335

Re: Storing Important Documents Online

I wish I could get comfortable with the concept of digital storage for personal information. An event earlier in my career where we had to convert a huge amount of data from one storage format to another has made me skittish. To be able to rely on info stored in digital form you need - media that s...
by AAA
Sat Jan 13, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1335

Re: Storing Important Documents Online

I use an encrypted Mac .dmg file to store all my sensitive documents. That file is located on Dropbox. I feel comfortable enough that the .dmg file won’t get hacked. That's what I was originally considering for files with my passwords, tax returns, etc., and what you are doing is probably 99.9999% ...
by AAA
Fri Jan 12, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4703

Re: Almost a pathological fear of debt, to my detriment?

I'm like you. When I had a mortgage, I prepaid principal each month and then when the balance got down to a certain level I just paid it off. Do what makes you comfortable, even if there's a financial advantage to do otherwise.
by AAA
Fri Jan 12, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1335

Re: Storing Important Documents Online

I faced this issue recently and, call me paranoid, but I decided that I simply was not comfortable trusting any online method, even after encrypting the information. Do you have a bank safe deposit box?
by AAA
Thu Jan 11, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 1825

Re: anyone else enjoying an afternoon nap in retirement?

Pretty much every day after lunch, but I usually limit it by setting an alarm for 30 or 40 minutes.
by AAA
Wed Jan 03, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9852

Re: Effects of extreme cold weather

Also, my breezeway light (probably a CFL, can't remember) has given up on the coldest nights only to wake up again when the sun comes back. We have a CFL stick light outside our house. Last night, when I turned it on to light up the walkway it only glowed dimly at first but after a minute or so cam...
by AAA
Wed Jan 03, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9852

Re: Effects of extreme cold weather

It shouldn't, but most do; unless you have an ultralight passive house with forced ventilation. Houses are not hermetically sealed. The average modern code house changes all the interior air every few hours, a leaky older home may do so up to a couple times per hour. In the winter the fresh replace...
by AAA
Wed Jan 03, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9852

Re: Effects of extreme cold weather

This may not be a malfunction and your tires may actually be low. The tire pressure changes about 1 pound for every 10 degrees in temperature change. Yes, I figured that was the case. We won't be driving much for the next few days so I'll skip putting air in them as I'm hoping once temperatures get...
by AAA
Tue Jan 02, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9852

Effects of extreme cold weather

With temperatures in the single digits and teens in the northeast, I'm noticing some things - First, if my car is parked outside, as I approach my car and unlock it, it makes a barely audible siren-like sound. I called the dealer's service department and they said a lot of people are calling with st...
by AAA
Tue Jan 02, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5900

Re: Keeping a checkbook register

I keep a checkbook register and also have a spreadsheet. If I have to write a check, which happens a few times a month, it's just easier to enter the information in the register at the same time rather than wake up the computer and open the spreadsheet for each check. When I get the monthly bank sta...
by AAA
Fri Dec 29, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9456

Re: Plow Guy Raised Rates

I know how OP feels. We've had the same guy do our driveway for many years. Last year, or maybe the year before, when there were only one or two days that required even light plowing, his bill was a little higher than normal. We attributed it to the fact that he wasn't having much income during the ...
by AAA
Tue Dec 26, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1632

Re: Basic questions about having your own website

VictoriaF wrote:
Tue Dec 26, 2017 7:23 pm
BrianJM may have ulterior motives for his question. But it also could be to help you out.
I wasn't thinking ulterior motives. I answered his question and was just wondering why he asked.
by AAA
Tue Dec 26, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1632

Re: Basic questions about having your own website

BrianJM wrote:
Mon Dec 25, 2017 3:11 pm
What company did you register the domain with? What website hosting company are you considering?
Was there a reason for asking?
by AAA
Mon Dec 25, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1632

Re: Basic questions about having your own website

BrianJM wrote:
Mon Dec 25, 2017 3:11 pm
What company did you register the domain with? What website hosting company are you considering?
iPage. Not considering any specific alternative yet.
by AAA
Mon Dec 25, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1632

Re: Basic questions about having your own website

WolfgangPauli wrote:
Mon Dec 25, 2017 12:46 pm
I use Godaddy for all my domains but the websites are mostly blogs on Google's free blogger platform.
Thanks. Do you use just your domain names for these websites?
by AAA
Mon Dec 25, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Basic questions about having your own website
Replies: 15
Views: 1632

Basic questions about having your own website

I had secured a domain name and set up a website with a well-known provider, taking advantage of the three-year introductory pricing for the website hosting. I have paid the annual fee for the domain name registration, but I never did anything with the website other than a simple initial setup and w...
by AAA
Mon Dec 25, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1691

Re: Photos dark because of sunlight..what free software to enhane

There are cameras which have a built-in neutral density filter. These filters, which used to be an external mount option, are the only way to deal with brightly illuminated scenes. Some of these are only moderately more expensive, and not 35mm SLR. That won't help if there's a lot of contrast in th...
by AAA
Mon Dec 25, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1691

Re: Photos dark because of sunlight..what free software to enhane

I have couple of photos which have come dark because of the sunlight. What is the best free software to use to get the correct image? Is there anything I need to change specifically so that light is correct. It's not clear what you mean. You took a photo and your subject came out dark because there...
by AAA
Sun Dec 24, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2132

Re: Using lumens and color temperature to buy light fixtures

but we are considering 4000K LED lamps for our kitchen. Would you consider that too harsh? Absolutely. You will hate the color. Stay with 3000°K Beg to differ. Our lighting is migrating to daylight balanced, 5000k - 6000k, lights. We find them to be quite pleasant. We were very aware of the differe...
by AAA
Sun Dec 24, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Using lumens to buy light fixtures
Replies: 26
Views: 2132

Re: Using lumens and color temperature to buy light fixtures

Color temperature - measured in degrees Kelvin. 2700°K is similar to old incandescent bulbs and is considered warm white. 3000°K is a tad whiter/cooler and was found in most halogen bulbs. Anything hotter is really harsh. Look at this number second. [/list] I agree that much higher could appear har...
by AAA
Tue Dec 19, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: "Undo" a RothIRA Contribution w/ Vanguard - Frustrated!
Replies: 3
Views: 356

Re: "Undo" a RothIRA Contribution w/ Vanguard - Frustrated!

When my spouse and I were both working, I'd wait until tax time to get my numbers and then make the prior year contribution. I know some people would say that I was losing a year of having the funds invested, but it was more comfortable for me to do it this way and after the first delay I was contri...
by AAA
Sat Dec 16, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5586

Re: Electric Energy Usage

I get those monthly comparison letters from my provider but never saw much value to them as they don't normalize for things such as house size and family size.
by AAA
Mon Dec 11, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 17
Views: 1686

Re: CDs that compound interest payments, at big brokerages ?

Yes - there will be a gain or loss when a secondary market CD matures. At Vanguard, when you look at the secondary market availability online, the yield is figured taking into account the premium or discount BUT NOT THE BROKERAGE FEE. So the income tax consequences of the capital gain or loss is so...
by AAA
Mon Dec 11, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 17
Views: 1686

Re: CDs that compound interest payments, at big brokerages ?

You still might get slightly higher yield from the best direct CD out to 3 years, but you can get close with a brokered CD, and perhaps gain a few basis points of yield on the secondary market (but be sure to factor in commission). For example, I just bought a 3-year brokered CD on secondary market...