Search found 1525 matches

by Katietsu
Mon Apr 30, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 6666

Re: Alternatives to Sansa Clip+ MP3 Player

Thank you for the idea! I have found and ordered from Amazon "SODIAL(R) White 3.5mm Mini Pillow Speaker For MP3 MP4 Player iPhone iPod Touch CD Radio." I got two of them, for the exorbitant price of $2.56 each (with free shipping). Victoria Those are meant to be right next to your ear so the maximu...
by Katietsu
Mon Apr 30, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9866

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

That sucking sound you hear is all the fun being drained out of what was supposed to be a fun cross-country road trip. :oops: Yup. They're adults. Just let them be on their way and have fun. People worry way too much about every little thing. It's obnoxious. My wife did a trip like this when she wa...
by Katietsu
Mon Apr 30, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9866

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Remind them that there are chunks of the country without cell phone service and where gas stations are widely spaced. Plan for this. Take a separate GPS unit, or drive a car with a built in GPS. Remember that 911 works on a cell phone even if your carrier does not have coverage but another company d...
by Katietsu
Mon Apr 30, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Home Health Aids Cincinnati
Replies: 4
Views: 661

Re: Home Health Aids Cincinnati

A few more suggestions: 1) There is a post from about a month that focuses on using care.com. I would look at it. 2) Talk. Talk to neighbors, co-workers, congregants and let them all know. I have found the most qualified people at the best cost this way. 3) If you use an agency, there will be restri...
by Katietsu
Sun Apr 29, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 6666

Re: Alternatives to Sansa Clip+ MP3 Player

Here is your 20th century solution just buy a $10 speaker and connect it to your Sansa using the same jack you use now for headphones. Here is an example from Walmart for $8. https://www.walmart.com/ip/HMDX-HX-P130BL-Burst-Portable-Speaker-Blue/26011050?wmlspartner=wlpa&selectedSellerId=10245&adid=2...
by Katietsu
Sun Apr 29, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3602

Re: Favors for Family/Friends and Getting Compensated or Not?

So an example of favors are: ride to the airport (one hour round trip) moving (all day moving heavy furniture) babysitting all day every weekday painting interior of house home construction/repair jobs Again, I feel like they unfairly take advantage of their family and don't give back much in retur...
by Katietsu
Sun Apr 29, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 4154

Re: TIAA Guaranteed Annuity

The OP is only 40 and years away from retirement. Therefore, as a start to learning about the investment, forget about the "annuity" part of TIAA traditional. I am going to do a bit of guessing because there are different rules and rates for different plans. I may not be using all the terminology ex...
by Katietsu
Sun Apr 29, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 4154

Re: TIAA Guaranteed Annuity

A number of the responses are focusing on the word “annuity”. They are giving you general responses as to how annuities typically are structured and how they work. The TIAA products are different. At 40, I do not think it makes sense to compare a TIAA annuity to an annuity at another company. They a...
by Katietsu
Sat Apr 28, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11964

Re: Amazon to raise Prime membership in US to $119 from $99

I just maneuvered back onto a $39.99/mo internet package so in total we will now pay $49.99/mo for internet, amazon TV, amazon prime music, and Netflix. I have a deal with my mom—I pay for Amazon she pays for Netflix and we share the passwords. So you're stealing from Amazon and Netflix. No I'm jus...
by Katietsu
Fri Apr 27, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retired Parents
Replies: 13
Views: 1701

Re: Help with Retired Parents

I think your parents’ comfort level is more important than possibly maximizing gains. They have been reluctant to confide in you. Now that they have, please respect the choices they have made. It is quite likely that they are not comfortable with investments that can go down in value. They might or ...
by Katietsu
Thu Apr 26, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Denial- How to Proceed?
Replies: 12
Views: 1863

Re: Medicare Denial- How to Proceed?

Please note that you have a limited time to appeal. Watch the dates.
by Katietsu
Thu Apr 26, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 21
Views: 2167

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

Have you researched how effective or proven all these new technologies are, or aren't? How helpful are they, vs, say, annoying? I'm imaging constant beeps, chirps, lights, and alarms every time I try to back up, change lanes, set cruise control, etc. Can't speak for the Bolt's systems, but here are...
by Katietsu
Thu Apr 26, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: child starting college this fall - what do I need to know & do?
Replies: 16
Views: 1934

Re: child starting college this fall - what do I need to know & do?

To OP: 1) Make sure any money taken out of 529 is used for qualified expenses in the same year as the withdrawal. The most common mistake here is to a withdrawal at the end of December and not pay tuition until beginning of January. This can have very bad consequences. 2) Consider setting up a separ...
by Katietsu
Thu Apr 26, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: child starting college this fall - what do I need to know & do?
Replies: 16
Views: 1934

Re: child starting college this fall - what do I need to know & do?

I'm trying to help my daughter (using TurboTax) to enter data for the AOTC or other credits/deductions available re my granddaughter's college tuition/expenses. TT says she is not eligible for the AOTC. I've been going in through "forms" and printing out what I think is relevant to see what is miss...
by Katietsu
Thu Apr 26, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11482

Re: Wedding - financial burden on couple and attendees

I would not dissuade them. I would make sure they realized the limited number of family members likely to attend. Maybe they already know this and are OK with it. On the other hand, if they are surprised, they have time to change plans. We have had a few weddings in the family over the years at a di...
by Katietsu
Wed Apr 25, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3826

Re: Need to cut the cable cord - is there an alternative?

We watch the three C-SPAN channels 7 to 9 ET every morning (Washington Journal) and weekend book reviews and interviews. In our opinion C-SPAN is way ahead of any other tv channel, no adverts and aimed at adult intelligent viewers. I understand that it comes, as a collective effort, from the cable ...
by Katietsu
Wed Apr 25, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 'mini retirement' then back to work - how to allocate?
Replies: 21
Views: 1048

Re: 'mini retirement' then back to work - how to allocate?

I like the compressed bond tent suggestion. Maybe be 40% equities/60% bonds at the time you quit your job. Then increase equity amount as you go through training. Depending on the market returns, this well could work out to be similar to having the money needed for living expenses in safe choices th...
by Katietsu
Mon Apr 23, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Old job 403b New job 401a
Replies: 7
Views: 432

Re: Old job 403b New job 401a

457 plans can be pre tax and post tax. But whether it is a 401k, 403b or a 457b, it is up to the employer as to whether they want to offer a Roth version.
by Katietsu
Mon Apr 23, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 4484

Re: How long does a will last? [Time to settle the estate]

The sister has done nothing out of line. I think that a lifetime of animosity is interfering with reasonableness. I have been involved personally with half a dozen estates and in all of the cases there were no assets distributed before a year. Yes, in some cases, there could have been. But in all ca...
by Katietsu
Mon Apr 23, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1809

Re: IPhone Faulty Battery Diagnosis

The battery health meter is not a measure of how fast your battery will drain. There is some correlation, of course. But if you read the details, you will find that it is explicitly stated that you can have a noticeable need to charge the phone more frequently while still showing a decent battery he...
by Katietsu
Mon Apr 23, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Old job 403b New job 401a
Replies: 7
Views: 432

Re: Old job 403b New job 401a

DoTheMath answered the questions. I would just add that a 401a may be a mandatory employee contribution plus an employer contribution. The latter might be described as a match. To the best of my knowledge, that mandatory 401a contribution would still not effect the voluntary deferral limit of $18,500.
by Katietsu
Sun Apr 22, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Making inheritance easier
Replies: 6
Views: 1010

Re: Making inheritance easier

I would avoid making a decision because you think the forms are a hassle. How much money is involved? Depending on how you do this, can make a large difference in the taxes. I agree that withdrawing money from some of these accounts and increasing your 403b contributions is one tool that can be very...
by Katietsu
Sat Apr 21, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE and health insurance
Replies: 25
Views: 4377

Re: FIRE and health insurance

One other possibility, look for a college that offers quality health insurance and make that one of the enrollment criteria.
by Katietsu
Wed Apr 18, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Association Property tax appeal - opt in
Replies: 8
Views: 796

Re: Association Property tax appeal - opt in

My question is, since similar properties are supposed to be assessed the same, and most of the units here are identical, if I don't do anything, will my assessed value actually rise higher than my neighbors? These things are local. But, where I am, the answer would be, yes. In other words, let's sa...
by Katietsu
Wed Apr 18, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Checking in -- fresh ideas?
Replies: 9
Views: 1393

Re: Checking in -- fresh ideas?

Second looking into Roth conversions. It does not make sense to pay 0% for 15 years and then jump to 35%. The jump in tax rate could be even more than anticipated from the AGI increase associated with the RMD and SS. Unfortunately, at some point, most people will be paying taxes on the 401k withdraw...
by Katietsu
Wed Apr 18, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4714

Re: Can I *not* claim all the state tax in my itemized deduction?

Here, see if this article helps. I think one of the issues might be that in the simple view of whether or not the state tax refund is taxable, the question is just "did you itemize last year." For many people, that results in the correct answer as to the taxability of the refund. But that is not suf...
by Katietsu
Wed Apr 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4714

Re: Can I *not* claim all the state tax in my itemized deduction?

" The effect is to transfer deduction from one year into income for the next year. Deduction is not the same as "negative income" or "net reduction in income". They can be render irrelevant/invalid. For example if you don't itemize. Or if you're hit with AMT. Then it doesn't matter if you take half...
by Katietsu
Wed Apr 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: State Taxes for 2017 Paid in 2018 Deductible in 2018?
Replies: 2
Views: 207

Re: State Taxes for 2017 Paid in 2018 Deductible in 2018?

No. You can not amend 2017 because you did not pay the taxes in 2017. Deductions are based on when you paid not on the year of the liability. Yes, you would have been better off making the payment in December. Too late now. There are worse mistakes.
by Katietsu
Wed Apr 18, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3980

Re: Broke up with my girlfriend for financial reasons: crazy?

I think there is a bigger question here and it is about financial life. The OP is choosing to spend 36k on a 260k salary. He is questioning the purchase of lattes as extravagant. And, I think, he may care more about his money than his relationship. His choice. And this particular relationship might ...
by Katietsu
Wed Apr 18, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5781

Re: PC laptops

Your 5 year old iMac is a better computer for email and surfing the web than any new $350 laptop. I would spend your time on the iMac. Think of it like saying, I am going to trade in my 2014 Mercedes S class because it needs new tires, brake pads, and an oil change and I am going to replace it with...
by Katietsu
Wed Apr 18, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5781

Re: PC laptops

Your 5 year old iMac is a better computer for email and surfing the web than any new $350 laptop. I would spend your time on the iMac. Think of it like saying, I am going to trade in my 2014 Mercedes S class because it needs new tires, brake pads, and an oil change and I am going to replace it with ...
by Katietsu
Tue Apr 17, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 8
Views: 965

Re: Please help figuring out cost of medical treatment(s)

See if the hospital has a financial counselor that you can meet with. This is different than just the billing department.
by Katietsu
Tue Apr 17, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle former employer’s retirement plan
Replies: 23
Views: 2059

Re: How to handle former employer’s retirement plan

You do not say how much is in each plan. If you can achieve a desirable asset allocation with one of the former employer's low cost funds, then it is reasonable to leave it there. For instance, you could put all the old employer's plan money into TIAA-CREF S&P 500 Index Fund (Institutional). Then, y...
by Katietsu
Tue Apr 17, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4714

Re: Can I *not* claim all the state tax in my itemized deduction?

The only reason to do what is proposed would be if it was helpful to you to lower your 2018 AGI at the expense of increasing your 2017 taxable income. I can see this being desirable if your marginal tax bracket in 2018 was going to be higher than in 2017 or if having the extra income on 2018 would d...
by Katietsu
Tue Apr 17, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 2159

Re: Too much rent?

The typical American spends much more than 20% of gross income on rent. So, the rent itself is reasonable. It sounds like you are getting a good value. So, you and your spouse will just need to decide on the relative value of the rental compared to other uses for that income. If you can meet your sa...
by Katietsu
Tue Apr 17, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How to buy a gravestone online?
Replies: 8
Views: 749

Re: How to buy a gravestone online?

I would take a look at a few online companies but work with a local company. The small local monument business I used was familiar with the cemetery. They were able to advise on regulations and customs specific to that cemetery. They had a website with samples though there website naturally showcase...
by Katietsu
Tue Apr 17, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 37
Views: 3727

Re: Yet another CP2000 for Roth IRA conversion thread

Did you file electronically or by paper and mail? If by mail, your form 8606 probably was not entered as part of your tax return. I submitted the return by mail. I checked my copy of the mailed return and it definitely had both 8606s included. It would certainly explain the issue it if the IRS didn...
by Katietsu
Tue Apr 17, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 37
Views: 3727

Re: Yet another CP2000 for Roth IRA conversion thread

Did you file electronically or by paper and mail? If by mail, your form 8606 probably was not entered as part of your tax return.
by Katietsu
Tue Apr 17, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: How to delist a bogus Craigslist entry
Replies: 7
Views: 1664

Re: How to delist a bogus Craigslist entry

If you have not found the ad yet, you should probably ask the next caller what make model year of the car and city of listing so you can find the ad. I looked at a legitimate car for sale from Craigslist a few years ago. When I first saw the listing, I was unable to reach the seller. Turns out she h...
by Katietsu
Tue Apr 17, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 5133

Re: car at 80

As to your snow issues, I am still convinced that the tires are more important than the car. As to a new vehicle, go with all the safety features. Your thoughts on the sedan are fine. But I think you might be surprised to find that many of the new small to midsize SUV’s will give a ride almost as co...
by Katietsu
Mon Apr 16, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: No long term capital gain taxes???
Replies: 9
Views: 1953

Re: No long term capital gain taxes???

This can't be right, can it? You can have no tax liability on a $250K long term gain profit if you earn less than $35k in the year you sell? I am sure I don't understand the brackets, please help. You are right. It can't be right. You are forgetting that the 35k that you earn is added to the long t...
by Katietsu
Mon Apr 16, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car Lease
Replies: 14
Views: 1007

Re: High Mileage Car Lease

Relative is on third Hyundai lease, 3 years and $60,000 miles. Great deals and very comfortable cars. And if you are turning the car in 3 years from now, whether it will last 170k miles vs 300k miles is not relevant.
by Katietsu
Mon Apr 16, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: Google Pixel just died
Replies: 10
Views: 1659

Re: Google Pixel just died

I would expect to go through 5 or 6 charging cords and one adaptor replacement during the lifetime of a phone. So another vote to confirm the phone is the problem before you proceed.
by Katietsu
Mon Apr 16, 2018 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Dog walker - Last Minute Schedule C Panic
Replies: 9
Views: 1057

Re: Dog walker - Last Minute Schedule C Panic

First, I would consider an extension. I want you to make sure you understand the choices you are making because I am a bit concerned. It would be highly unusual for a small business dog walker to use the accrual method. This is a big red flag to me. Second, the expenses you are going to claim should...
by Katietsu
Sun Apr 15, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: better? Lowering taxable income to 12%, go below 63k to collect Savers credit, or max all Roths
Replies: 35
Views: 3178

Re: better? Lowering taxable income to 12%, go below 63k to collect Savers credit, or max all Roths

Do you expect to have a defined benefit pension when you retire? Do you expect to have a significant income increase in the future? If the answer to these questions is No, then I would put more money into the traditional/tax deferred plans.
by Katietsu
Sun Apr 15, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2907

Re: Can't afford health insurance -- options?

This is always a complicated topic. Hopefully, there are not any bits of information or details that will be a "gotcha." My best guess is that the family contribution through the ACA should be about $2500 per year. He should also be eligible for lower deductibles and cost sharing if he chooses a sil...
by Katietsu
Sun Apr 15, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Gift Trust - Best thing to do?
Replies: 2
Views: 371

Re: Gift Trust - Best thing to do?

I saw your comment elsewhere about not getting much response to your previous post and decided to take a look. Have you already made changes or decided to stay put? I noticed you report an income of $88,000 and most of your savings in tax advantages accounts. This should put you in the 15% tax brack...
by Katietsu
Sun Apr 15, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2378

Re: Decisions on a Two Car Strategy

A few random comments on the comments. I used to refuse to take a Kia rental car. But more recently, I have proactively chosen a Kia a few times. So I would try it out if your wife has not test drive a Kia in the last few years. I am having trouble putting a CRV in the running to replace an Odyssey,...
by Katietsu
Sun Apr 15, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2195

Re: Having Child; Car Purchase maybe?

Also, if you are traveling to visit close family to stay for a week, you do not need to take everything with you. In other words, get on Amazon, Target.com, or whatever you prefer and have a the requisite supply of diapers, wipes, baby food, etc delivered to your destination in advance. Also, decide...
by Katietsu
Sat Apr 14, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 4130

Re: Unaffordable prescription drug

I would go to a world-class center in the US to discuss it with an expert. No doubt they will be familiar with options. I am going to one of the supposed top centers in the US. They are familiar with the options, and we've tried all the more affordable ones already. The only research on it is being...