Tuesday, December 31, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 4 updates in 2 topics

ggggg9271@gmail.com: Dec 31 03:00AM -0800

> Affected by gov't shutdown?
 
https://www.cnbc.com/2019/12/26/this-is-why-filing-your-income-tax-return-will-never-be-the-same.html
Emma <emmaj84.n@gmail.com>: Dec 31 05:11AM -0800

> On Friday, January 4, 2019 at 4:32:03 PM UTC-8, gggg...@gmail.com wrote:
> > Affected by gov't shutdown?
 
> I have to find someone new to do my taxes and do an amended return for 2017. Having panic attacks over it for some reason.
 
You might be able to file for a Tax debt relief by yourself, you can get more insight from this credit karma article http://aourl.me/s/74814mv
"catalpa" <catalpa@entertab.org>: Dec 31 08:36PM -0500

<ggggg9271@gmail.com> wrote in message
news:a6c398af-48d4-4acf-8e47-50fa03023df2@googlegroups.com...
> On Friday, January 4, 2019 at 4:32:03 PM UTC-8, gggg...@gmail.com wrote:
>> Affected by gov't shutdown?
 
> https://www.cnbc.com/2019/12/26/this-is-why-filing-your-income-tax-return-will-never-be-the-same.html
 
The vast majority of people are clueless on how the income tax system works.
The gubberment should have kept tax witholding the same and given all the
clueless larger tax refunds. There is no possible way to communicate to the
clueless about the income tax system.
 
Key points from the article:
 
"We spent a lot of time explaining to people how their taxes were reduced in
the prior year, but they still owed more on April 15," said Edward J.
Reitmeyer, CPA and regional partner-in-charge at Marcum LLP.
 
If you were already withholding less tax from your pay - either because you
had itemized deductions in previous years or you claimed multiple exemptions
for your dependents - you likely paid too little in tax during 2018 and
wound up owing in April 2019.
 
This confounded taxpayers, as they measured the success of the new tax law
based on whether they had bigger refunds.
 
"The biggest way the new tax law was botched was the failure to communicate
the difference between a lower tax liability for the year versus lower tax
bills in April," said Jeffrey Levine, CPA and director of financial planning
at BluePrint Wealth Alliance.
Emma <emmaj84.n@gmail.com>: Dec 31 05:01AM -0800

In a Nutshell
If you're struggling to pay current or back taxes, you may wonder if tax debt relief is the answer. Proceed with caution. Scammers use the promise of help to steal your money, and legitimate tax-settlement companies rarely do anything you can't do yourself. The full Credit Karma article is here http://aourl.me/s/74814mv
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Monday, December 30, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 1 topic

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Dec 30 05:15PM -0800

I made Cracker Barrel's hash brown casserole and used all the ingredients
called for. Those included thawed, shredded hash browns, onions, and
shredded Colby cheese, etc. I made it into a main dish by adding cubed ham.
 
The result is quite good and I did want to make it as they do but I think
when I make it again I will use extra sharp cheddar cheese. Colby cheese
is just too mild for my taste buds; green beans were the side dish.
 
Sorry, no pictures.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Dec 30 05:18PM -0800

On Monday, December 30, 2019 at 7:15:54 PM UTC-6, ItsJoan NotJoann wrote:
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Sunday, December 29, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

docnelle1@gmail.com: Dec 29 12:16PM -0800

have had ours for about 20 years now and with 8 kids it gets beat a lot but although have had to replace front and rear bearing units..........yes; had a house guest that used their OWN detergent that overflowed everything with suds plan on keeping ours another 20, easy to work on and customer support is very helpful
L.P.
 
On Monday, July 8, 2002 at 7:49:55 PM UTC-5, PT wrote:
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Friday, December 27, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 2 topics

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Tuesday, December 24, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 2 topics

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Monday, December 23, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 3 updates in 1 topic

ggggg9271@gmail.com: Dec 22 07:48PM -0800

On Sunday, December 22, 2019 at 3:33:31 PM UTC-8, Whoey Louie wrote:
> So they are done building the ones that fly and can't fly the ones
> that they can build. The Starliner just screwed up too. Why is that
> CEO still there?
 
Boeing motto?:
 
- Working for B. means never having to say you're sorry.
rbowman <bowman@montana.com>: Dec 22 05:57PM -0700

On 12/22/2019 04:33 PM, Whoey Louie wrote:
> So they are done building the ones that fly and can't fly the ones
> that they can build. The Starliner just screwed up too. Why is that
> CEO still there?
 
The Starliner made a perfect landing in New Mexico. Admittedly the damn
thing wasn't supposed to be in New Mexico but that's better than landing
it in North Korea. I doubt the fat little guy would give it back.
ggggg9271@gmail.com: Dec 23 05:25PM -0800

On Sunday, November 17, 2019 at 7:19:34 AM UTC-8, Whoey Louie wrote:
> all the other airplane design and builds, what they have done to fix
> whatever problems actually lead to this disaster. All I've heard is
> sorry, we're fixing it.
 
https://www.pbs.org/newshour/show/how-faa-chiefs-dressing-down-of-boeing-ceo-finally-pushed-him-out
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Sunday, December 22, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 1 topic

Whoey Louie <trader4@optonline.net>: Dec 22 03:33PM -0800

> On Friday, May 3, 2019 at 10:09:19 PM UTC-7, gggg...@gmail.com wrote:
> > https://news.google.com/search?q=boeing%20737&hl=en-US&gl=US&ceid=US%3Aen
 
> https://www.pbs.org/newshour/show/news-wrap-boeing-to-ground-production-of-737-max-in-january
 
Yeah, they filled up all the space with built ones, including part of
the employee parking lot. Another 100 fuselages are sitting at the
subcon in the Midwest. And they just delivered the last 737NG.
So they are done building the ones that fly and can't fly the ones
that they can build. The Starliner just screwed up too. Why is that
CEO still there?
rbowman <bowman@montana.com>: Dec 22 05:57PM -0700

On 12/22/2019 04:33 PM, Whoey Louie wrote:
> So they are done building the ones that fly and can't fly the ones
> that they can build. The Starliner just screwed up too. Why is that
> CEO still there?
 
The Starliner made a perfect landing in New Mexico. Admittedly the damn
thing wasn't supposed to be in New Mexico but that's better than landing
it in North Korea. I doubt the fat little guy would give it back.
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Friday, December 20, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

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Thursday, December 19, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

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Tuesday, December 17, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 2 topics

lenona321@yahoo.com: Dec 17 11:20AM -0800

"Obsessively renting out my home was the only way I could make it in the gig economy. When I found myself sleeping on the subway, I realized I'd gone too far."
 
https://getpocket.com/explore/item/i-lost-my-life-to-airbnb?utm_source=pocket-newtab
 
By Rebecca Holland.
 
Last three paragraphs:
 
"...It was strange to leave. My apartment didn't feel like a home, but it did serve me well. It made me tens of thousands of dollars, which helped create some of the best memories of my life, and my career. There is no way I could have started freelancing without Airbnb. I would have had to take too many low-paying writing gigs and would never have had the time or money to travel and work on the stories I actually wanted to write. This vicious cycle is the bane of freelance writers everywhere, and I feel it more acutely now without the Airbnb deposits than I ever did then.
 
"Airbnb also showed me the lengths I might go for money, and that sleeping on the "L" is not worth $150 if you can help it. But it was back then, and I wouldn't change that part of my life. Sometimes I miss it. Partly for the easy money, partly for the stories it gave me, and partly for the thrill of living alone, traveling the world, and having a side hustle that made it all work.
 
"Now, Nathan and I live in a two-bedroom apartment that would do well on Airbnb, thanks to limited hotel options in Ann Arbor and a steady stream of visiting parents and professors. I've thought about renting it out, especially during graduation or other big events, but I can't bring myself to do it. To all those people who asked if I felt weird about people taking over my apartment: I get it now. Our apartment isn't just an apartment: It's home. The refrigerator is full of homemade leftovers. We've printed photos and invested in artwork. I'm currently knitting a blanket for our bed. I still travel often, but much less — and looking back, I realize I spent so much of the last five years exhausted. It's nice to just be. It's especially nice to be home."
 
 
 
 
Lenona.
ggggg9271@gmail.com: Dec 16 10:03PM -0800

> https://news.google.com/search?q=boeing%20737&hl=en-US&gl=US&ceid=US%3Aen
 
https://www.pbs.org/newshour/show/news-wrap-boeing-to-ground-production-of-737-max-in-january
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Monday, December 16, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 3 updates in 3 topics

lenona321@yahoo.com: Dec 16 02:56PM -0800

I saw Bill Flanagan on CBS Sunday Morning a while back and he had this to say about the pros and cons of baby boomers (you can read it or watch it - it's about 2:30 minutes long, and worthwhile):

https://www.cbsnews.com/news/bill-flanagan-on-the-ok-boomer-controversy/
 
Anyway, it reminded me of how the Greatest Generation (1900-1925) used to be picked on - and how one member responded in 1991.
 
"Don't Blame the Elderly for the Failings of Society."

(Not that I necessarily agree with everything it implies. Even though it supposedly is only about different generations and not liberals vs. conservatives.)

 
http://articles.chicagotribune.com/1991-03-02/entertainment/9101190767_1_dear-ann-landers-senior-citizens-dear-ed
 
Dear Ann Landers: Please print this letter to the editor. It appeared in the Ft. Lauderdale Sun-Sentinel. In my opinion, it gets right to the point. I`ve never seen it expressed better. Thank you.
 
Ed in Florida
 
Dear Ed: I agree. That provocative letter deserves a larger audience, and I`m pleased to provide it. Here`s an edited version of ``Don`t Blame the Elderly for the Failings of Society``:
 
We are probably the only members of society in the history of mankind for which the younger generation has so little respect and has demonstrated such a shameful lack of regard.
 
Senior citizens are constantly being criticized, belittled and sniped at for every conceivable deficiency of the modern world, real and imaginary.
 
Upon reflection, I would like to point out that it wasn`t the senior citizens who took the melody out of music, or the beauty out of art, or the pride out of appearance, or the romance out of love, the commitment out of marriage, the responsibility out of parenthood, togetherness out of family, learning out of education, loyalty out of Americanism, service out of patriotism, the hearth out of the home, civility out of behavior, refinement out of language, dedication out of employment, prudence out of spending or ambition out of achievement. And we certainly are not the ones who eliminated patience and tolerance from relationships.
 
Jerome J. Goldstein, Boca Raton
 
 
http://www.angelfire.com/ny5/mcra/315d.html
(possibly the unedited version)
 
 
One thing I'd definitely disagree with Goldstein on is " it wasn`t the senior citizens who took the...prudence out of spending."
 
Author/historian David M. Tucker wrote the 1990 book "The Decline of Thrift in America." He said that up until the 20th century, when Henry Ford came along with his slogan "don't try to save money and be a miser," individual thrift was, in fact, pretty much the basis for the American economy and society. (Not to mention that, in other countries, it was the rule for everyone, except for kings and robber barons, for thousands of years.) Tucker wrote that a popular plot in Victorian novels was for a spendthrift housewife to see the error of her ways, and all would live happily ever after.
 
And plenty of adults in WWI and the 1920s saw no reason to object to the new careless spending habits. Thrift only got revived because of the Depression and WWII - but clearly, by the 1950s, many (most?) adults in their 30s and 40s had lost any taste for thrift and started consuming like mad. Who wanted to be reminded of the last awful 20 years?
 
From issue 53 of "The Tightwad Gazette" in Oct. 1994 - not sure if this is included in Amy Dacyczyn's book "The Complete Tightwad Gazette" or not:
 
"Tucker has observed that trends in personal thrift and government thrift go hand in hand...and sure enough, a big 'problem' in the 1890s was thinking up ways to deal with the federal government's enormous surplus of money. (It was finally decided to buy 94 tons of silver from western mines each month for the period from 1890 to 1893.)
 
"But holes began to appear in the thrift ethic during World War I. Tucker says the damage was done mostly by two forces that had been around in a primitive form for years, but that suddenly became sophisticated and widespread: advertising and credit."
 
(The idea of thrift pretty much disappeared from American media and schools in the 1970s. D. said that T. said that one small ray of hope for the future lies in the Keynesian economists dying off.)
 
 
 
Lenona.
ggggg9271@gmail.com: Dec 16 10:15AM -0800

On Saturday, August 6, 2005 at 7:04:27 PM UTC-7, pooky wrote:
> the distribution)?
 
> Any other advice would be appreciated.
 
> Thank you.
 
https://www.usatoday.com/story/money/2019/12/16/stock-market-protect-your-401-k-when-trump-tariffs-move-stocks/4411928002/
ggggg9271@gmail.com: Dec 15 09:52PM -0800

> Many good points get raised - including ones you might not have thought of already.
 
> https://www.usatoday.com/story/money/2019/12/15/estate-planning-wrong-to-not-leave-children-inheritance/4385107002/
 
> Lenona.
 
- Don't handicap your children by making their lives easy.
 
Robert A. Heinlein
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Sunday, December 15, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 3 updates in 2 topics

lenona321@yahoo.com: Dec 15 10:39AM -0800

Many good points get raised - including ones you might not have thought of already.
 
https://www.usatoday.com/story/money/2019/12/15/estate-planning-wrong-to-not-leave-children-inheritance/4385107002/
 
 
 
Lenona.
Beaver_Fever@live.com: Dec 15 02:45PM -0800

> Many good points get raised - including ones you might not have thought of already.
 
> https://www.usatoday.com/story/money/2019/12/15/estate-planning-wrong-to-not-leave-children-inheritance/4385107002/
 
> Lenona.
 
"Sorry, your drug addict sister and her kids spent your inheritance"
Beaver_Fever@live.com: Dec 14 06:44PM -0800

> https://www.channel3000.com/news/fed-may-need-to-slash-rates-to-zero-before-the-end-of-2020/1151015825
 
you are a nigger
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Saturday, December 14, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 4 updates in 3 topics

ggggg9271@gmail.com: Dec 14 10:28AM -0800

https://www.channel3000.com/news/fed-may-need-to-slash-rates-to-zero-before-the-end-of-2020/1151015825
ggggg9271@gmail.com: Dec 13 10:08PM -0800

On Saturday, August 6, 2005 at 7:04:27 PM UTC-7, pooky wrote:
> the distribution)?
 
> Any other advice would be appreciated.
 
> Thank you.
 
https://www.marketwatch.com/story/economists-say-a-recession-is-coming-how-can-401k-investors-prepare-2019-12-03
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Dec 13 10:33PM -0800

ggggg9271@gmail.com: Dec 13 06:11PM -0800

> https://www.politifact.com/truth-o-meter/statements/2019/may/06/bernie-sanders/sanders-1-out-5-cant-afford-prescription-drugs/
 
https://www.pbs.org/newshour/show/how-2-current-bills-could-potentially-lower-prescription-drug-costs
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Friday, December 13, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 5 updates in 2 topics

ggggg9271@gmail.com: Dec 13 01:36PM -0800

https://www.businessinsider.com/self-made-millionaire-early-retirement-habits-2019-12
ggggg9271@gmail.com: Dec 12 09:41PM -0800

On Saturday, August 6, 2005 at 7:04:27 PM UTC-7, pooky wrote:
> the distribution)?
 
> Any other advice would be appreciated.
 
> Thank you.
 
https://www.marketwatch.com/story/heres-proof-that-401k-plans-are-not-working-for-most-americans-can-you-guess-who-they-are-working-for-2019-12-12
John Weiss <jrweiss98155@comcast.net>: Dec 13 06:42AM -0800

On Saturday, August 6, 2005 at 7:04:27 PM UTC-7, pooky wrote:
Hello,
I am looking to correct the bad situation of being in debt, which would
include gettting rid of mortgage debt. It seems that even if I
eliminated the credit card debt that we have, that mortgage debt is
just as bad and if I'm going to take the hit of a 401k distribution, I
may as well knock down the mortgage as well.
 
- I pay approximately $297/mo in mortgage interest and pmi
 
- I pay approximately $1500 to the cc bills which incurs $62/mo in
interest ($360/mo total in interest to mortgage, pmi and cc's)
 
- Last year, my taxable income was $34k, so the distribution would
probably kick me into the next bracket, but I am unsure of how much
that effect would be.
 
- I am in my mid-30's
 
I have recently changed jobs and have approx. $66k in my former 401k
plan.
 
Alternatively, I could take the $66k, minus the 10% penalty tax
($6,600) and what my regular estimated tax rate would be ~30%
(estimated tax and would cost ~$19.8k), this would leave me approx.
$39,600 (66-19.8-6.6 = $39,600).
 
 
DO NOT raid your 401k unless you ABSOLUTELY HAVE TO!
 
You say you would rebuild your retirement, among other things.
Unfortunately, "life happens", and many people in your situation never
accomplish what they think looks so simple on paper. How long do you
think it will take to rebuild that $66K? You will just be that much
farther down the road, in the same situation.
 
If you think you can 'cut up your credit cards' after paying them off,
you can stop using them NOW! Lock them in a safe and pay cash for
everything. If you can't do it now, you won't do it afterwards.
Instead of paying extra on your mortgage principal every month, use it
to pay off the interest-bearing credit card, then the other credit card
when interest starts. If you continue paying $1600/month and don't use
them, you'll be paid off in less than a year.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Dec 13 08:00AM -0800

On Friday, December 13, 2019 at 8:43:00 AM UTC-6, John Weiss wrote:
> (estimated tax and would cost ~$19.8k), this would leave me approx.
> $39,600 (66-19.8-6.6 = $39,600).
 
> DO NOT raid your 401k unless you ABSOLUTELY HAVE TO!
 
Look at the date of this thread. Originally it was posted on
A U G U S T 0 6, 2 0 0 5. I'm pretty sure this 'pooky' person has
already made their decision to do whatever they wanted 14+ years ago.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Dec 13 08:07AM -0800


> On Saturday,
 
→ → → → → → → → → → August 6, 2005 ← ← ← ← ← ← ← ← ← ←

at 7:04:27 PM UTC-7, pooky wrote:
> > I am looking to correct the bad situation of being in debt, which would
> > include gettting rid of mortgage debt.
 
> https://www.marketwatch.com/story/heres-proof-that-401k-plans-are-not-working-for-most-americans-can-you-guess-who-they-are-working-for-2019-12-12
 
1. Look at dates you're throwing up sites you've gleaned from the internet.
 
2. Learn to trim your posts instead of quoting reams of text.
 
3. Good grief.
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Wednesday, December 11, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 4 updates in 3 topics

ggggg9271@gmail.com: Dec 11 08:26AM -0800

> https://www.cnbc.com/video/2019/01/04/inflation-under-control-says-powell.html
 
https://www.cnbc.com/2019/12/11/us-consumer-price-index-rose-0point3percent-in-november-vs-0point2percent-increase-expected.html
ggggg9271@gmail.com: Dec 11 12:09AM -0800

Tried any of these?:
 
https://www.womansday.com/health-fitness/nutrition/a29812384/healthy-teas-benefits/
"catalpa" <catalpa@entertab.org>: Dec 10 08:41PM -0500

"rbowman" <bowman@montana.com> wrote in message
news:h58f29Fmt5bU1@mid.individual.net...
>> headlines and oversimplifications are wonderful, IMO
 
> https://www.investmentnews.com/article/20181120/FREE/181129997/medicare-high-income-surcharges-to-increase-in-2019
 
> According to the notification I received last week, those numbers are low.
 
You posted an article about 2019 IMRAA numbers not 2020 numbers.
rbowman <bowman@montana.com>: Dec 10 07:17PM -0700

On 12/10/2019 06:41 PM, catalpa wrote:
 
>> https://www.investmentnews.com/article/20181120/FREE/181129997/medicare-high-income-surcharges-to-increase-in-2019
 
>> According to the notification I received last week, those numbers are low.
 
> You posted an article about 2019 IMRAA numbers not 2020 numbers.
 
You're right. If you can find the 2020 numbers feel free to post them.
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