Search found 106 matches

by CRC301
Thu Sep 20, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Android podcast app that remembers where you are in podcast?
Replies: 15
Views: 549

Re: Android podcast app that remembers where you are in podcast?

I use Castbox. It has
  • resuming where left off
  • 10s backwards
  • 30s forward
  • Playlists
  • Automatic download and addition to playlist
I've been really happy with it so far.
by CRC301
Wed Aug 15, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6751

Re: Men’s Underwear recommendation

Another vote for Saxx. However I like 2undr even more! They are expensive but for me it's worth it. There are many brands out now that implement a "3d pouch" so I'm sure there are more affordable options now but the materials and designs used in the higher end options are really nice.
by CRC301
Sun Jul 22, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Weekly reading to increase knowledge on business / tech
Replies: 12
Views: 1238

Re: Weekly reading to increase knowledge on business / tech

ArsTechnica is a great tech site. I read a ton of tech sites and their articles are really well written.
by CRC301
Wed Jul 18, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2308

Re: Need Help Evaluating HVAC Needs and Quotes

Thank you all for your help. Yesterday I found an old-school HVAC repair guy who was magically able to fix my old system, at least temporarily. He agrees that it is on its last legs, but it should get me through this summer season and into the fall. He recommended replacing the unit with another co...
by CRC301
Wed Jul 18, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2308

Re: Need Help Evaluating HVAC Needs and Quotes

Thank you all for your help. Yesterday I found an old-school HVAC repair guy who was magically able to fix my old system, at least temporarily. He agrees that it is on its last legs, but it should get me through this summer season and into the fall. He recommended replacing the unit with another co...
by CRC301
Tue Jul 17, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2308

Re: Need Help Evaluating HVAC Needs and Quotes

Get a Manual J Load Test on your home. HVAC company goes through and looks at all the windows, factors in insulation, etc. and gives you a better idea of the system you need. A Manual J test cost about $150 here. It's hot and humid where we are in the Southeast and we have a heat pump in our 2nd fl...
by CRC301
Sat Jul 07, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5424

Re: Every Other Friday Off

I work at a megacorp that does 9/80 and I love it (it's all I've ever known really though). My direct manager is the person that approves my time (I'm salaried but enter all hours worked into the time-keeping system). At the specific location that I work at (smaller site), most of the managers are O...
by CRC301
Sun Jun 10, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Company Group vs Individual Long Term Disability Insurance
Replies: 1
Views: 226

Company Group vs Individual Long Term Disability Insurance

I'm trying to figure out if my wife and I's employer group LTD insurance is sufficient or if we should buy our own policy. Here are some specifics to our current policies: My employer offered LTD policy: Basic is offered complimentary (50% of base salary) Option to purchase an additional 10% (for a ...
by CRC301
Thu Jun 07, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on finding & buying a HDHP (high deductible health plan)
Replies: 2
Views: 246

Re: Advice on finding & buying a HDHP (high deductible health plan)

Start with healthcare.gov. I'm sure there are other options but that site should be a good starting point.
by CRC301
Thu Jun 07, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with formula for calculating future expense
Replies: 4
Views: 362

Re: Help needed with formula for calculating future expense

You could treat inflation as compound interest (like on a CD/Bond). Here is a site that shows how to use it:

https://exceljet.net/formula/calculate- ... d-interest
by CRC301
Tue Jun 05, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2183

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

A good HVAC tech will be able to diagnose this problem for you (the good ones know how to calculate heat transfer in a room and can figure if the HVAC system is setup properly). Sounds like your landlord isn't going to help. You could threaten to find another place and then they'll be out rent (how ...
by CRC301
Tue Jun 05, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8029

Re: What is your Take Home Pay / Gross Pay ratio?

56.5% That's for wife and I's income. Things deducted out of pay-check: Taxes (Fed, State, Local, SS, Medicare), each max our 401K, max HSA, medical, dental, vision, and long-term disability. We normally owe taxes at filing time; started using IRS W-4 tool last year and owed < $1k but in years past ...
by CRC301
Mon Jun 04, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2183

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

Do you have cold winters? Is it the coldest room in house in the winter? You might need more vents in a room like that (more affected by heat transfer due to floor being over unconditioned garage space). HVAC people should be able to diagnose that. I don't think little holes would increase heat tran...
by CRC301
Fri Jun 01, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tax shelter- what am I missing?
Replies: 6
Views: 698

Re: Tax shelter- what am I missing?

You make too much money to contribute to a traditional IRA (this is a good problem to have). You both have 401K's so you can each contribute the max to your accounts. The max 401k contribution amount is $18,500 for 2018; this does not include the amount your employer contributes btw. So you could co...
by CRC301
Fri Jun 01, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 501c3 Basics - Maximizing charitable contributions
Replies: 5
Views: 286

Re: 5013c Basics - Maximizing charitable contributions

What are you are trying to do is easily done via a Donor Advised Fund (DAF) as the above person mentioned. DAF seems way simpler than establishing a trust. I'm not a tax expert so depending on how much you are planning on funding the trust/DAF with, perhaps the trust may be a better avenue. DAF is d...
by CRC301
Fri Jun 01, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: painting vinyl window trim
Replies: 2
Views: 508

Re: painting vinyl window trim

Bob Vila to the rescue!

https://www.bobvila.com/articles/how-to ... yl-siding/

A couple major points:
  • Use acrylic/resin based paints
  • Use a color the same shade or lighter than the original
  • Clean the surface well before applying paint
by CRC301
Thu May 31, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help Responding to $16K proposed tax in CP2000 letter
Replies: 2
Views: 462

Re: Help Responding to $16K proposed tax in CP2000 letter

I had to deal with this last year and user Katietsu was very helpful. Here is the post I started for my ordeal: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228038 I ended up writing a letter explaining the mistake(s) I had made and then included an amended return. Everything worked out fine...
by CRC301
Wed May 30, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Family Summer Beach / Lake House Destinations
Replies: 16
Views: 1758

Re: Family Summer Beach / Lake House Destinations

I'll second Rehobeth Beach and/or Fenwick Island. My family has a similar tradition of getting everyone together every so many years at the beach. RB is nice town that has a little bit of everything you would want.
by CRC301
Wed May 30, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1809

Re: Need some advice in regards to A/C System

Get a second opinion. Also, get a mold test done (they sell DIY ones) and see if it his nose can really smell mold!
by CRC301
Mon May 28, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: setting aside money when moving to a HDHP plan/HSA
Replies: 2
Views: 373

Re: setting aside money when moving to a HDHP plan/HSA

Do you have details on the HDHP you are moving to? Like deductible, out-of-pocket max, etc.? For a family, the deductible will be at least $2,700 and the out-of-max will be no more than $13,300 but specific plans may have a higher deductible and/or lower out-of-pocket max. Further, some plans normal...
by CRC301
Fri May 25, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Questions: Stop Leak & Qualified Technician
Replies: 9
Views: 814

Re: Air Conditioner Questions: Stop Leak & Qualified Technician

Stop leak is not a silver bullet fix (even temporarily). Depending on the magnitude of the leak(s) it may work for 1 year or it may work for a week. Since you're only down 2 lbs and this is the first time detecting, I would bet you probably have a slow leak so I would also bet it would cover you for...
by CRC301
Tue May 22, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife - HDHP
Replies: 9
Views: 1013

Re: Pregnant wife - HDHP

Hello All, Wife and I recently found out we are pregnant (super excited and nervous) and I have a question regarding health insurance/billing. My wife's deducible is $3,000, 80/20 coinsurance with an OOP of $4,500. So far, we have paid $950~ towards the deducible this year. The baby is due towards ...
by CRC301
Mon May 21, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 2090

Re: Door Dash: Has anyone used?

We've used it a few times. It has been frustrating though: we've tried to use it with coupons or offers of no delivery charges. They quote they will remove the delivery charge at checkout but it never does. The coupons/offers seems bogus and deceptive; you go through all the effort of picking out th...
by CRC301
Thu May 17, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: AT&T Fixed Wireless Internet.....Opinion?
Replies: 4
Views: 854

Re: AT&T Fixed Wireless Internet.....Opinion?

AT&T's fixed wireless is basically using their mobile LTE (WCS band 30) network to provide you data. The quality of your download/upload speeds/connections is going to be dependent on your home's specific location in relation to their cell towers in the area.
by CRC301
Mon May 07, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2337

Re: Las Vegas shows

Absinthe was great but it's a bit crude. If you sit near front make sure you have thick skin :twisted: Le Reve at the Wynn is really, really, really cool. Also, there is not a single bad seat in the theater. It's small enough where the view is good from just about anywhere. I like the blue Man group...
by CRC301
Wed May 02, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: HVAC technician recommendations--should I have them installed?
Replies: 11
Views: 1897

Re: HVAC technician recommendations--should I have them installed?

I just got the quote for installing the pan switch and wet switch, and it came to $413. That sounds pretty high to me. Is it a reasonable quote? This is in a HCOL area, if it matters. If you understand how electronic circuits work, you could probably do this yourself and save ~$350 (I bet the parts...
by CRC301
Tue May 01, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5817

Re: Home Theater Stereo/Speakers

^^^ is good advice. Random thoughts: 5.1 > 3.1 > soundbar + sub > internal speaker(s) I'd encourage everyone to at least try for a decent 3.1 system -- the center-channel speaker makes a huge difference. Most receivers, if configured for 2.1 or 2.0, just mix the center channel at equal volume into ...
by CRC301
Tue May 01, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: HVAC technician recommendations--should I have them installed?
Replies: 11
Views: 1897

Re: HVAC technician recommendations--should I have them installed?

Depending on the type of p-trap you currently have, an EZ trap may be a nice upgrade; if your current p-trap is sealed (i.e. hard to clean) it would probably take a call to an HVAC person to check/clean it. That means HVAC service call $. The EZ trap should have a clear portion to it that you can in...
by CRC301
Mon Apr 30, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5817

Re: Home Theater Stereo/Speakers

We had a soundbar+subwoofer system and it sounded great in our apartment. When we moved to a house with a large great room, we turned the soundbar volume all the way up and still couldn't hear well. Upgraded everything to a 5.1 with a/v receiver setup and it is very noticeably better. It is a bit co...
by CRC301
Mon Apr 30, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Restaurants
Replies: 25
Views: 2211

Re: Las Vegas Restaurants

So many good places! These are the ones that I always seem to remember: Eggslut at the Cosmopolitan for breakfast. Don't let the name offend you; the egg sandwiches are fantastic. The line is always long though but it's worth it. Wicked Spoon buffet at the Cosmopolitan. So much food to choose from a...
by CRC301
Sun Apr 29, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have experience with the IEX API?
Replies: 3
Views: 564

Re: Does anyone have experience with the IEX API?

I did not know these API's existed. Pretty cool!! What type of data are you wanting out of the API's? Are you comfortable with VBA scripts? Stackoverflow is a great place to ask questions about these API's btw. For IEX I found this: https://stackoverflow.com/questions/47333894/using-iex-api-for-real...
by CRC301
Sat Apr 28, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Car rental in Las Vegas
Replies: 14
Views: 1333

Re: Car rental in Las Vegas

Do you need to rent a car? Where are you staying in Las Vegas; parking fees can be expensive? When we goto Vegas we always take shuttle from airport to resort. Then we walk everywhere. If we need to go off strip we Uber. We've visited Hoover dam before and just rented a car for the day ($40).
by CRC301
Mon Apr 23, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: 1098T [IRS Form 1098-T, Tuition Statement]
Replies: 10
Views: 665

Re: 1098T [IRS Form 1098-T, Tuition Statement]

Be careful with box 2. It does not mean that's the amount you paid that year, it just means it's the amount they billed you that year. Depending on when bills were sent out, you could have paid in a different year than you were billed. We ran into that problem in the past and we got a form CP2000 2 ...
by CRC301
Sun Apr 22, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: DAF Suggested?
Replies: 13
Views: 1060

Re: DAF Suggested?

If you're only going to make charitable donations to one place and do so annually, the DAF doesn't buy you much in most situations. Where the DAF is nice is if you are donating to more than one place, trying to bunch contributions for tax benefits, or you want to donate appreciated assets (i.e. stoc...
by CRC301
Thu Apr 19, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Having Child; Insurance Questions
Replies: 7
Views: 962

Re: Having Child; Insurance Questions

Congratulations! 1. Your current deductible will apply to wife's medical costs through birth / hospital stay. You will have hit the new deductible by the time you add your child to the plan (check to see how soon after birth you must do that -- usually 30 days). 2. The OB charges are nothing compar...
by CRC301
Thu Apr 19, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3787

Re: Total Cost of Car Ownership over 10 years

I just sold my 2007 Camry last year after 10 years of owning it. I started keeping track of most costs about 8 years prior in aCar app (now fuelly). According to it: Time of tracking: 7 years, 7 months Total Running Costs for that time: $17,454.14 ($3,721.03 of that was service, the rest gas) Total ...
by CRC301
Tue Apr 17, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Window blinds to cut costs?
Replies: 8
Views: 1702

Re: Window blinds to cut costs?

Our great room has 3 large windows and 2 skylights all facing west. It used to get really hot in the summer mid-day. I installed solar film directly to the windows and it made a noticeable difference as far as how hot it felt in the room. I couldn't really tell you if it lowered the bills though.
by CRC301
Tue Apr 17, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2305

Re: New HVAC system

Since your system is so old, you are likely to get a significantly more efficient system even going with the base-efficiency models that are standard these days. You don't use the system that much so maybe that doesn't matter. Do you have a heat-pump system or a normal system? A heat-pump would make...
by CRC301
Mon Apr 16, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Need advice re: extension cord to power PA speaker
Replies: 11
Views: 808

Re: Need advice re: extension cord to power PA speaker

This sounds like a question for an electrician, or maybe the user manual for the speaker has info on extension cords. Worst case you start a fire in your yard...
by CRC301
Mon Apr 16, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 6283

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

Air travel as a whole in the western world is mind blowingly safe...even the discount airlines. Don't know if this is true or not but I read somewhere that the FAA allows small children to sit in parents lap on flight because if they required parents to buy them a seat, enough families would opt to ...
by CRC301
Mon Apr 16, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3716

Re: Las Vegas hotel

The Elara surprised us the most when we stayed there once. It's a Hilton Grand vacations property but it used to be part of planet Hollywood. It's strictly a hotel so no casino but it has an entrance right into the miracle Mile shops. The rooms are spacious and floor to ceiling windows. We used Hilt...
by CRC301
Mon Apr 16, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2204

Re: Having Child; Car Purchase maybe?

We have a Doona stroller carseat combo. It's expensive, but does eliminate the need for any other stroller (unless you are jogging). It takes up no more room than a normal infant car seat. [Comment removed by admin LadyGeek] Some umbrella strollers have an infant sling attachment- a normal umbrella...
by CRC301
Sun Apr 15, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax When Very Little Income
Replies: 7
Views: 1141

Re: Capital Gains Tax When Very Little Income

That's the way I understand it. I asked a similar question a while back just for informational purposes: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=217838. Short term capital gains are taxed as ordinary income and would fall into the normal IRS income tax brackets. Long-term capital gains...
by CRC301
Sun Apr 15, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2204

Re: Having Child; Car Purchase maybe?

Thanks again! We are just going to sit tight for now with the Camry and IS250. We were in the habit of splitting trip duty between our two cars so as not to run the miles up on any one of them but for now we'll just take the Camry and not worry about it. A small bit of worry was also about the physi...
by CRC301
Sun Apr 15, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2204

Re: Having Child; Car Purchase maybe?

Sounds like we'll be keeping car situation as-is for now and see how things go. This is our first child so I was just guessing that baby gear would be at least diaper bag and stroller and for longer trips maybe a pack-n-play. The IS250 trunk is decent sized but the opening is small; a stroller may f...
by CRC301
Sun Apr 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2204

Having Child; Car Purchase maybe?

Second installment of my "Having Child" series of questions. This our first child and we appreciate any guidance and help that is given! Wife's car is 10 years old and small (Lexus IS250). It's a great car and still runs fine but we're feeling it will be too small or cumbersome to carry baby + all b...
by CRC301
Sun Apr 15, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Having Child; Insurance Questions
Replies: 7
Views: 962

Having Child; Insurance Questions

My wife and I are expecting our first child this November. We currently have a HDHP through my employer: Deductible: $2,700 Coinsurance after deductible: We pay 20% and insurance pays 80% Out-of-Pocket Maximum: Per-Individual: $6,500; Per-Family: $9,000 The above is for Employee+Spouse coverage. Onc...
by CRC301
Sun Apr 08, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Employer Contributions reduce FICA/Medicare Income!
Replies: 2
Views: 315

Re: HSA Employer Contributions reduce FICA/Medicare Income!

Yes, HSAs help reduce taxes and are excellent retirement vehicles. Whether investing a particular amount in an HSA is better than investing that amount in a 401(k) depends on the amount of the employer match for the 401(k) and whether the employee is eligible for the saver's credit. As one example,...
by CRC301
Sun Apr 08, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Employer Contributions reduce FICA/Medicare Income!
Replies: 2
Views: 315

HSA Employer Contributions reduce FICA/Medicare Income!

I was reading another post about how a W-2 takes into account HSA contributions and looked into the topic some more. Turns out, employer HSA contributions not only reduce your taxable income but they also reduce your FICA & Medicare taxable income as well. Note that 'employer' is bolded in the previ...
by CRC301
Sun Apr 08, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R and W-2 question
Replies: 3
Views: 280

Re: H&R and W-2 question

This made me double-check my statements from 2017. I went back and checked my last pay-stub and cross-referenced it with my W-2 and sure enough my W-2 Box 3 amount is my total pay from my 2017 pay-stub minus my HSA contribution. The strange thing is (and I just noticed this) pre-tax 401K contributio...