Search found 481 matches

by boomer_techie
Sun Apr 11, 2021 4:18 am
Forum: Personal Consumer Issues
Topic: fan trips GFCI; can I plug into surge protector?
Replies: 22
Views: 1398

Re: fan trips GFCI; can I plug into surge protector?

Could be a spike coming out if the fan when power is turned off. Try a ferrite bead around the power cord. You dont need a gfci tester as its obviously working. Either the fan is defective and the gfci is doing its job, the gfci is failing and has become overly sensitive, or the fan is making a big...
by boomer_techie
Mon Apr 05, 2021 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Odd -(probably boneheaded) Tax question
Replies: 22
Views: 2227

Re: Odd -(probably boneheaded) Tax question

Yes, I have been able to view Schedule D but not the actual "Qualified dividends and Capital Gains" worksheet. Was not sure if there was a substantial difference in those documents with regards to my question. The "Qualified dividends and Capital Gains" worksheet is a subset of ...
by boomer_techie
Mon Apr 05, 2021 2:19 am
Forum: Personal Consumer Issues
Topic: How can I predict my Macbook Pro 2018 has the resources to support three high-res external screens?
Replies: 7
Views: 675

Re: How can I predict my Macbook Pro 2018 has the resources to support three high-res external screens?

Is there any utility tool or process I could refer to and check if I have the right resources to support it? My graphics is the Intel Iris Plus Graphics 655 1536 MB! Apple's specs for a four port 2018 MacBook Pro 13": Video Support Simultaneously supports full native resolution on the built-in...
by boomer_techie
Fri Mar 19, 2021 6:37 am
Forum: Personal Consumer Issues
Topic: How to secure a PDF file?
Replies: 23
Views: 2262

Re: How to secure a PDF file?

A digital signature uses encryption. It is the way you would encrypt the file to meet your requirements. You would use public/assymmetric key encryption. You encrypt with your private key and the recipient verifies the file by decrypting with your public key. A digital signature uses encryption tec...
by boomer_techie
Wed Mar 17, 2021 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Estimated "quarterly" tax payments deduction
Replies: 14
Views: 1204

Re: Estimated "quarterly" tax payments deduction

Is it proper to deduct estimated tax payment that is actually due 17 January for the prior year to deduct it in the prior year ?? For example, for year 2020 tax return I include (deduct) estimated tax payment for year 2020 paid and due January 17 of 2021. Is this for a state tax payment? That you w...
by boomer_techie
Sat Mar 13, 2021 6:17 am
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5193

Re: Mail to IRS--Certified

Priority mail with tracking is sufficient these days, because the taxpayer has a postmark and also can check proof of delivery online. FedEx is also acceptable. "Tracking" is not sufficient. The USPS will purge tracking data after not that many months.* It is good enough for you to know t...
by boomer_techie
Fri Mar 12, 2021 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Amending a 1040. What to send the state now?
Replies: 5
Views: 427

Re: Amending a 1040. What to send the state now?

Because I'm due a substantial (to me) federal refund, I e-filed my federal return a few days ago. Based on helpful posts here, I realized that I need to file an amended return in order to include a worksheet indicating that I'm carrying forward some unused (accrued) foreign tax credits. It doesn't ...
by boomer_techie
Wed Mar 10, 2021 8:18 am
Forum: Personal Consumer Issues
Topic: How to reserve a rental car if don't know the return date?
Replies: 9
Views: 952

Re: How to reserve a rental car if don't know the return date?

Check against the weekly rate, sometimes they will credit back your account if you bring it back early. It depends on the company. The last time I rented a car I forget which company, I initially rent it for a week because like you the time constraint was uncertain. I brought it back a day or two e...
by boomer_techie
Fri Mar 05, 2021 4:46 pm
Forum: Personal Consumer Issues
Topic: How long should I wait to dispose of incorrect shipment?
Replies: 6
Views: 981

Re: How long should I wait to dispose of incorrect shipment?

Carl53 wrote: Fri Mar 05, 2021 6:34 am Maybe put it on Craigs list for $100.
Do you have a Habitat for Humanity ReStore near you? They accept donation of building materials.
by boomer_techie
Mon Mar 01, 2021 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Tax underpayment penalty
Replies: 68
Views: 5928

Re: Tax underpayment penalty

The instructions for 2020 Schedule AI, Line 16 ("other taxes") do not address how to calculate the additional medicare tax (8959) or NIIT (8960), specifically if annualization amounts should or should not be used for the calculations. Read the 2020AI line by line instructions very literal...
by boomer_techie
Sun Feb 28, 2021 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: What am I missing in this mortgage decision?
Replies: 18
Views: 1811

Re: What am I missing in this mortgage decision?

--> So my (logic) problem was, I shouldn't have compared the 87K to 79K? Because....time? Or something...? Choosing to bump the extra up by another $200 every month will save you $8000. You'll save a different amount with five years at $1000 and then, after a guaranteed promotion, doing five years ...
by boomer_techie
Sun Feb 28, 2021 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard mistake - put funds into wrong person's account
Replies: 13
Views: 1520

Re: Vanguard mistake - put funds into wrong person's account

I had a similar thing happen in my Fidelity account once, a few years ago. After I had made some transactions in person at a Fidelity office, the next day I had a few mutual fund purchases in my account, on the order of tens of thousands of dollars, that were not mine. Almost the same thing happene...
by boomer_techie
Wed Feb 24, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: tax underpayment penalty use turbo tax estimate or let irs bill me?
Replies: 14
Views: 1283

Re: tax underpayment penalty use turbo tax estimate or let irs bill me?

it was due to a roth conversion that I did not pay the estimated taxes on. I should have paid the estimated tax in the quarter it was due Have you worked through 2210AI to verify that you actually have an underpayment? There are lots of things that may reduce a penalty: Did you itemize? Deductions ...
by boomer_techie
Sun Feb 21, 2021 11:57 am
Forum: Personal Consumer Issues
Topic: Cost to build a southern home like you are in Minnesota with pipe protection for freezes
Replies: 95
Views: 6713

Re: Cost to build a southern home like you are in Minnesota with pipe protection for freezes

If someone wanted to build a new 2,500 square foot house in the south and wanted the pipes to be insulated like they are in Minnesota, approximately how much would this add to the cost of the home? I expect the cost of materials is negligible - like $100. However, the process likely needs to start ...
by boomer_techie
Sat Feb 20, 2021 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 discrepancy - addition to basis (VWO)
Replies: 1
Views: 220

1099 discrepancy - addition to basis (VWO)

I received (downloaded) a 1099 package from my broker. I've been going through it and reconciling with my spreadsheet where I generate all the same numbers. I'm down to one difference: The 1099 shows 15 cents more dividends ("distributions") from Vanguard FTSE Emerging (VWO). Towards the e...
by boomer_techie
Sat Feb 20, 2021 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question about CarryForward Losses into next year
Replies: 10
Views: 742

Re: Question about CarryForward Losses into next year

Schedule D doesnt seem to explain how much of those losses being carried forward are long-term vs short term You need to find the loss carryover worksheet. It is in the Schedule D instructions. Note - the worksheet there targets the previous year's Schedule D. The worksheet dealing with this year's...
by boomer_techie
Sat Feb 20, 2021 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Unrecognized charge from COLOADTEST.com
Replies: 49
Views: 8181

Re: Unrecognized charge from COLOADTEST.com

:D It's always embarrassing in Europe when they have to print out a receipt for you to sign from their table-side credit card machines because our technology is so antiquated. The tech is not so antiquated - instead US card companies' anti-fraud efforts target their own card holders. "You clai...
by boomer_techie
Sat Feb 20, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Paid too much estimated state tax. Is there a way out?
Replies: 15
Views: 1911

Re: Paid too much estimated state tax. Is there a way out?

One more complication - I don't know if this applies to the OP or not: An estimated state tax payment made in January 2021 (e.g. a January 15th deadline) for the 2020 tax year does not feed onto the 2020 itemized deductions. Instead, it is a deduction for federal 2021 taxes (filed in ~April 2022.) F...
by boomer_techie
Fri Feb 19, 2021 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tried opening Fidelity HSA - website errored out!
Replies: 10
Views: 826

Re: Tried opening Fidelity HSA - website errored out!

I think things are working now - and I didn't have to navigate a phone tree. I've been able to deposit a check into the account - the full contribution amount for 2021. I was able to log in and verify that they did actually process the check into the account. (I dropped the check off at an unstaffe...
by boomer_techie
Tue Feb 16, 2021 3:49 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Estimated Tax Payments and Safe Harbor
Replies: 25
Views: 1949

Re: Quarterly Estimated Tax Payments and Safe Harbor

Could I have paid the $20k short as an estimated tax in Q4? (Let's assume this would have put me over the safe harbor threshold.). Would that be acceptable? No. The IRS can still consider you underpaid for Q1 through Q3. However, if the income causing the underpayment arrived in Q4, then a payment ...
by boomer_techie
Fri Feb 12, 2021 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Taxable wages paid in two states (moved) rounded to quarter?
Replies: 18
Views: 767

Re: Taxable wages paid in two states (moved) rounded to quarter?

This doesn't seem to be correct. Let's say you earn $10K/month or $120K for the year. If you lived and worked in CA for only one month, your CA wages should be $10K not $30K (full first quarter). Likewise, if you lived and worked in MS for 11 months, you MS wages should be $110K not $120K. Here's h...
by boomer_techie
Fri Feb 12, 2021 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Tried opening Fidelity HSA - website errored out!
Replies: 10
Views: 826

Re: Tried opening Fidelity HSA - website errored out!

This identical thing happened to me yesterday. What is your outcome? An attempt to log in this morning after an e-mail from them was unsuccessful- or to set a username and password. Just yesterday I got around to dealing with this! (This was just one of several account/login issues I've had to deal...
by boomer_techie
Sun Feb 07, 2021 5:08 am
Forum: Personal Consumer Issues
Topic: Weird problem with our Whirlpool fridge
Replies: 14
Views: 1373

Re: Weird problem with our Whirlpool fridge

But if you have a ammeter the door switches are connected to the control board as a simple circuit, which you can test for continuity to see if it behaves in an unexpected way. The door switches can be easily user serviced, and you can buy compatible replacements off ebay or whatever. Mechanical sw...
by boomer_techie
Sat Jan 30, 2021 2:44 am
Forum: Personal Finance (Not Investing)
Topic: foreign tax rate in VEU/VFWAX
Replies: 3
Views: 351

Re: foreign tax rate in VEU/VFWAX

Kinda wanting to get a jump on my taxes and my broker isn't releasing 1099-DIV for several more weeks. I'd like a good estimate of the foreign taxes on my VEU holding. Can someone who's already gotten a 1099-DIV that includes VEU (or, I think, its mutual fund version VFWAX) tell me the ratio of for...
by boomer_techie
Sat Jan 23, 2021 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sold a car but lien not released-car going to auction
Replies: 8
Views: 1195

Re: Sold a car but lien not released-car going to auction

Yesterday I get a certified letter in the mail from a towing company. There is a $375 towing lien and the car will be auctioned next month to pay for it. The friend is listed as the registered owner and I am listed a lien holder. Do I need to take any action? I don’t want dinged credit or something...
by boomer_techie
Sat Jan 23, 2021 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: PPP Loan forgiveness and tax transcripts [Can't get loan due to IRS delays]
Replies: 9
Views: 904

Re: PPP Loan forgiveness and tax transcripts

Yeah, originally when she applied for the loan they were in love with the taxes that we sent them, couldn't have been happier, and now those taxes aren't good enough. It isn't clear to me what form they want the tax data. Do they want printout that say "printed by TurboTax" as a footnote ...
by boomer_techie
Fri Jan 22, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage/ anything to be aware of?
Replies: 30
Views: 3399

Re: Paying off mortgage/ anything to be aware of?

1. Be sure that you follow the payoff instructions sent with the payoff quote from your mortgage company (unless you are simply paying the final payment as scheduled). The payoff is likely to be a few pennies different than your regular monthly payments. When you got the loan, the payment had to be...
by boomer_techie
Fri Jan 15, 2021 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Tried opening Fidelity HSA - website errored out!
Replies: 10
Views: 826

Re: Tried opening Fidelity HSA - website errored out!

If I were a boomer techie (which I am by the way) I would have called them and or tried the recover process. I doubt they had staffed phone lines in the wee hours of the morning! I also decided to wait to see if another email arrives. My real question is do Fidelity HSA accounts have a nine digit a...
by boomer_techie
Fri Jan 15, 2021 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Tried opening Fidelity HSA - website errored out!
Replies: 10
Views: 826

Tried opening Fidelity HSA - website errored out!

I tried to open a Fidelity HSA account via the web. I got through several screens - supplying name and email and other information. This part of the process resulted in me receiving two or three emails. At one point, it said that I've successfully opened an account and it gave me a 9 digit "acc...
by boomer_techie
Thu Jan 14, 2021 4:08 am
Forum: Personal Consumer Issues
Topic: eBay Listing Low Shipping Cost
Replies: 13
Views: 1124

Re: eBay Listing Low Shipping Cost

DTalos wrote: Wed Jan 13, 2021 6:43 pm There is a listing of an item on eBay that weighs about 15 pounds and the seller indicated they will ship via USPS Parcel Select Ground for about $10.
Could be the seller has an Amazon Prime account and will use Amazon as a drop shipper.
by boomer_techie
Thu Jan 14, 2021 4:05 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 126
Views: 20876

Re: Help Me [Recover] My Bitcoin!

When the bitcoin is "made", don't the people making it keep a copy of the private key? If so, could they somehow be contacted to retrieve the key? Conceptually, each transaction (payment) has its own key. When you request payment via bitcoin, you tell the sender to "place the bitcoin...
by boomer_techie
Wed Jan 13, 2021 5:38 am
Forum: Personal Consumer Issues
Topic: Small tank water heater for sink and dishwasher
Replies: 9
Views: 603

Re: Small tank water heater for sink and dishwasher

BogleMe wrote: Tue Jan 12, 2021 3:54 pm On the second point, why would someone heat from a cold water tap?
Some (under sink) water heaters can't be used with hot water coming in - presumably their control logic can't deal with rapid input temperature variations.
by boomer_techie
Tue Jan 12, 2021 4:09 am
Forum: Personal Consumer Issues
Topic: iOS 14 Battery drain on iPhone
Replies: 39
Views: 2663

Re: iOS 14 Battery drain on iPhone

Has it been determined to be a problem for older iPhones only? We have two 6s models and both exhibit the problem. Both batteries are about 1 year old. We are ready to upgrade to newer iPhones (12) but will wait if this issue affects them too. The iOS 14.2/14.3 battery drain problem can affect all ...
by boomer_techie
Mon Jan 11, 2021 6:37 am
Forum: Personal Consumer Issues
Topic: iOS 14 Battery drain on iPhone
Replies: 39
Views: 2663

Re: iOS 14 Battery drain on iPhone

This is happening to my new Iphone SE 2020 as well. Just 6 weeks old out the box. I am a mild user. Could there be an issue with the SE 2020 and battery life independent of iOS 14 (I am currently running 14.3 latest version). Apple seems to have a bug. Lots of people are reporting this. It seemed t...
by boomer_techie
Mon Jan 04, 2021 1:53 am
Forum: Personal Consumer Issues
Topic: How do I get Excel Wingding symbols into Google Sheets
Replies: 7
Views: 725

Re: How do I get Excel Wingding symbols into Google Sheets

I've tried pasting U+1F44D in a Sheets cell. It just shows U+1F44D, not the symbol. Same in Docs. I tried pasting U+1F44D into the original excel sheet, with the same result: U+1F44D The U+ notation is just a standard way of writing out the character's numeric code. It is not how you enter a charac...
by boomer_techie
Sun Jan 03, 2021 3:10 am
Forum: Personal Consumer Issues
Topic: How do I get Excel Wingding symbols into Google Sheets
Replies: 7
Views: 725

Re: How do I get Excel Wingding symbols into Google Sheets

heartwood wrote: Sat Jan 02, 2021 11:19 am I'm partial to the Wingding "thumbup" symbol, Unicode 67.
Unicode 67 is ASCII 67 is the letter C.

If you want a thumbs up symbol, you'll have to find a unicode character for it and hope that your browser supports a font that contains that character.
by boomer_techie
Wed Dec 23, 2020 8:56 am
Forum: Personal Investments
Topic: VNQ (REIT) When Does It Go Ex-Dividend?
Replies: 13
Views: 1207

Re: VNQ (REIT) When Does It Go Ex-Dividend?

I see that the distribution for 2020 will be $1.33770 per share. Last year it was about 96 cents per share, some of which was return of capital (whereas this year, it's all dividend). Seems odd to me that the payout would jump that much during a year where real estate had a tough time. Some of the ...
by boomer_techie
Fri Dec 11, 2020 4:57 am
Forum: Personal Consumer Issues
Topic: Yahoo Spam Mail
Replies: 9
Views: 712

Re: Yahoo Spam Mail

RudyS wrote: Thu Dec 10, 2020 4:07 pm DW has Gmail, but sees little spam. Why, and how, does Google do much better?
I suspect that Google identifies senders of spam and blocks them entirely. Whereas other providers simply route the spam to a folder.
by boomer_techie
Tue Dec 08, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: New Apple Mac Mini with M1 processor
Replies: 21
Views: 2023

Re: New Apple Mac Mini with M1 processor

In every case, of course, the monitors are still running in 3840x2160 mode. MacOS merely scales the UI elements to suit the physical screen size and users' eyesight. The result is crisp UI elements and text. There is nothing horrible about it. For the scaled modes, MacOS uses retina (doubling) mode...
by boomer_techie
Mon Dec 07, 2020 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Filed Schedule C - State looking for taxes?
Replies: 17
Views: 950

Re: Filed Schedule C - State looking for taxes?

I have a personal collecting hobby where I sell items from time to time. Paypal kicked me out a 1099 (I believe) which turbotax recommended I submit as a Schedule C. ... I was under the impression that hobby related income/revenue can be offset by the expense and if it's a net loss or a wash, there...
by boomer_techie
Mon Dec 07, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: ACA plans: Bronze HMO vs. Bronze HMO HDHP/HSA
Replies: 10
Views: 667

Re: ACA plans: Bronze HMO vs. Bronze HMO HDHP/HSA

Do both plans use the same exact network? Yes, they are both the exact same HMO. Basically it’s so complicated and so many unknowns... There were two things that confused me for the longest time: 1) How can there be a "max" beyond the deductible? Didn't the plan take over once the deducti...
by boomer_techie
Mon Dec 07, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: ACA plans: Bronze HMO vs. Bronze HMO HDHP/HSA
Replies: 10
Views: 667

ACA plans: Bronze HMO vs. Bronze HMO HDHP/HSA

I'm trying to understand the differences between two ACA Bronze HMO plans: A conventional plan versus one that allows an HSA. I do not speak "insurance" and thus some of the terms and workings confuse me. There's a small annual premium difference - the conventional plan is about $120 more ...
by boomer_techie
Mon Dec 07, 2020 5:56 am
Forum: Personal Consumer Issues
Topic: New Apple Mac Mini with M1 processor
Replies: 21
Views: 2023

Re: New Apple Mac Mini with M1 processor

I have been Windows user up until now. Just ordered a new Mac Mini and looking for recommendations for a Monitor and non-Apple keyboard and a mouse. Pay close attention to a monitor's resolution. Apple targets the size of UI elements to be appropriate on their screens which all now are around 110 f...
by boomer_techie
Sat Dec 05, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Need to mail time sensitive letter. UPS or other options
Replies: 37
Views: 2227

Re: Need to mail time sensitive letter. UPS or other options

blackwhisker wrote: Sat Dec 05, 2020 12:33 am Is it because my local fedex office is not good? Or is because Fedex is good at express, and UPS is good at ground shipping?
Fedex runs their business as if it were two companies: The overnight (red arrow on trucks) and ground (green arrow) systems have separate delivery trucks/drivers.
by boomer_techie
Mon Nov 30, 2020 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - To self insure?
Replies: 28
Views: 2228

Re: Health Insurance - To self insure?

There are several questions regarding the $70k. Sounds like it was way overestimated and may have already been paid spread out on a yearly basis. I will obviously dig into that more, but I can't answer those questions at this time. I'll reiterate: It sounds like the $70K is some sort of buy-in for ...
by boomer_techie
Sat Nov 28, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - To self insure?
Replies: 28
Views: 2228

Re: Health Insurance - To self insure?

I can't answer the question on whether or not she has paid on the Individual Shared Responsibility on a yearly basis or not. My understanding (or at least her understanding) was that it won't occur until she applies for coverage, which doesn't seem to be the case from the responses. I wonder if the...
by boomer_techie
Sat Nov 28, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - To self insure?
Replies: 28
Views: 2228

Re: Health Insurance - To self insure?

Sounds like all she will need to do is avoid overpaying her income taxes through 2028, so that there will be no refund due. The mandate penalty only existed for 2014 through 2018 - so five years. The annual penalty maxed out a little above $3000. The max is only due when there is a large amount of ...
by boomer_techie
Sat Nov 28, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How can I reduce my annual expenses: Budget help
Replies: 133
Views: 9797

Re: How can I reduce my annual expenses: Budget help

Looks like there are no Aldi stores in this neck of the woods. Trader Joe's - it is the same company! I'm surprised at all the comments about the grocery bill! It is only $18 and change per day. I don't see that as high. And at OP's salary, they shouldn't have to subsist on mac and cheese. About bu...
by boomer_techie
Sat Nov 21, 2020 5:43 am
Forum: Personal Investments
Topic: Input needed-Should I open a taxable account?
Replies: 10
Views: 901

Re: Input needed-Should I open a taxable account?

My wife and I are going to be the recipients of a 6 figure windfall and are curious if it would be best to establish a taxable account to invest it in. We have never had a taxable account, so I am looking for guidance. If you don't have a "taxable account," then how are you going to be ab...
by boomer_techie
Thu Nov 19, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13198

Re: Prop 19 CA Inheritance Property Implications

It is not unusual to see two neighbors of homes of about equal assessed values pay wildly different property taxes, e.g., $2,000 vs. $30,000. This subject came up on a different forum and someone provided a link to a site that displays property tax amounts. I checked my neighborhood, and for the mo...