• IRS CP-12 Adjusted Refund Notice - They sent it dated 10/29/2018 and I still do not have the check?

    On 10/29/2018, which is coming up to 10 weeks, the IRS sent me a notice that I was due back a check for almost $200 due to some miscalculations on my 2016 tax returns. They said if I agreed with this, I did not have to do anything, and that the check would be mailed to me in 4-6 weeks. I think I actually got this letter in mid November. I have not... show more
    On 10/29/2018, which is coming up to 10 weeks, the IRS sent me a notice that I was due back a check for almost $200 due to some miscalculations on my 2016 tax returns. They said if I agreed with this, I did not have to do anything, and that the check would be mailed to me in 4-6 weeks. I think I actually got this letter in mid November. I have not received this check yet. I do not feel like calling the IRS, it is not that great an amount, and there is a government shutdown. I do not think I owe anything for 2017, I filed on time and did not hear from them. Do I need to be concerned? Could the check have been lost? Should I just forget about this for now? (today is 1/12/19)
    1 answer · United States · 6 days ago
  • How do I tell my aging mother she can no longer handle her job as association treasurer without causing a fight?

    My aging mother lives in an assisted living facility. She is the association treasurer. No one else wants the postion- there are about 300 residents. My mother does not want to lose control of her postion and is becoming more and more forgetful. She just told me she cannot find over $500 of cash gifts (we counted the money together this week) for... show more
    My aging mother lives in an assisted living facility. She is the association treasurer. No one else wants the postion- there are about 300 residents. My mother does not want to lose control of her postion and is becoming more and more forgetful. She just told me she cannot find over $500 of cash gifts (we counted the money together this week) for the staff. I have to go over and search for the money tomorrow. My mother also told me we would have to go into her savings account to make up the difference if the money is lost (or stolen). I keep on asking her to resign the postion, and she refuses. There is a bank account involved that she has signature authority over. She was supposed to resign the postion this month, and she apparently has not done so. She is now fighting with the executive director. How do I convince my mother -- or demand that she give up this postion -- without causing a huge fight? I am worried that they are going to hold me accountable for the cash (I am her guarantor). or accuse me of stealing the cash, or even worst determine that my mom is alzheimer's (she is showing signs of early dementia) and move her into the memory care unit. What do I do here?
    1 answer · Family · 4 weeks ago
  • Is this inappropriate behavior?

    Is this inappropriate behavior? You are sitting on a long distance bus in Spain. There is an empty seat next to you. A mother with two children, a young boy (say 7 years old) and a young girl (say 6) eyes the empty seat and sits the young girl next to you (you are sitting by the window). You (a middle aged male) say hello to the young girl and her... show more
    Is this inappropriate behavior? You are sitting on a long distance bus in Spain. There is an empty seat next to you. A mother with two children, a young boy (say 7 years old) and a young girl (say 6) eyes the empty seat and sits the young girl next to you (you are sitting by the window). You (a middle aged male) say hello to the young girl and her mother. The mother looks annoyed, rudely seizes the young girl away from the seat, and seats the young boy next to you instead. You start looking out the window and laugh loudly at this incident. When I told my Spanish friend about this I said that I found the mother's behavior rude, and he said that "in Spain, one never speaks to anyone's children like this". Was I innapropriate in giving a brief greeting here? I was not leering at the child as I remember.
    8 answers · Etiquette · 4 weeks ago
  • Cleaning dried mud compound sanded "powder"?

    There is dried mud compound sanded "powder" all over my white tiled living room floor from a sloppy repair drywall project. The maintenance people left this. All they did after installed new drywall - include sanding the new mud -- is sweep the old stuff up. My vacuum cleaner will not get it all off. Can I mop this up or will it cake up?... show more
    There is dried mud compound sanded "powder" all over my white tiled living room floor from a sloppy repair drywall project. The maintenance people left this. All they did after installed new drywall - include sanding the new mud -- is sweep the old stuff up. My vacuum cleaner will not get it all off. Can I mop this up or will it cake up? How do I completely get rid of the very fine powder all over my living room? Is there some sort of cleaner that makes this process easier? Are drywall installers expected to vacuum up after themselves?
    4 answers · Decorating & Remodeling · 1 month ago
  • Correct Drywall Repair Question- Is this a good job?

    My condo association is repairing drywall today after a kitchen flood. They are responsible for the drywall, I am responsible for the paint and the baseboard trim. I am concerned that the worker is doing a substandard job. After cutting out the new drywall and drilling it in the wall the workers are mixing up alot of "mud spackle" and... show more
    My condo association is repairing drywall today after a kitchen flood. They are responsible for the drywall, I am responsible for the paint and the baseboard trim. I am concerned that the worker is doing a substandard job. After cutting out the new drywall and drilling it in the wall the workers are mixing up alot of "mud spackle" and just laying it in the sheetrock cracks. There is no tape that I can see, some sanding, and little smoothing. Check the photo out-- is this a good job (they say they will finish in one day). More importantly, will I be able to bring my own workers in and clean up after them and salvage this? I read that any job without tape will result in cracking in the future.
    1 answer · Maintenance & Repairs · 1 month ago
  • Drywall Repair - does this look like a good job is underway?

    My homeowners association is repairing the drywall in my condo after a kitchen flood. The bottom part of the drywall and the baseboard had to be torn out. Two workers have come in and put in new drywall, and nailed it in. They then "splatched on" something that look like plaster mud and told me that they will sand it on Monday. I did not... show more
    My homeowners association is repairing the drywall in my condo after a kitchen flood. The bottom part of the drywall and the baseboard had to be torn out. Two workers have come in and put in new drywall, and nailed it in. They then "splatched on" something that look like plaster mud and told me that they will sand it on Monday. I did not see them taping the joints or spending much time applying coats of plaster. When I asked them if the final work will be smooth, they said "well, smoother than this, but you will know where we applied the repair when you pait". Please see the photo. My question is this -- is this an acceptable repair job? How much better will it look after they sand the compound they put on?
    6 answers · Maintenance & Repairs · 1 month ago
  • Am I becoming a diabetic?

    I am worried about becoming a diabetic. I cannot figure something out. My A1C levels have been stable at 5.2 for the past 2 years. But I just got my lab report back and my fasting blood glucose is now 165! Also my triglycerides have increased to over 613 in my latest report. I am overweight -- and have started exercising, and have even been... show more
    I am worried about becoming a diabetic. I cannot figure something out. My A1C levels have been stable at 5.2 for the past 2 years. But I just got my lab report back and my fasting blood glucose is now 165! Also my triglycerides have increased to over 613 in my latest report. I am overweight -- and have started exercising, and have even been reducing weight. But why would my glucose and triglycerides increase so much in the past 6 months? I meet with the doctor on Friday. My health is fine, and this is after starting an exercise routine.
    3 answers · Diabetes · 3 months ago
  • How long should it take a home insurance company to pay an water damage restoration company for emergency service?

    How long should it take my home insurance company to pay a water damage restoration company for 5 days of emergency service in late August? The invoice for clean up and tear down (which is apparently justified) is $15,000 and was sent to the insurance company for a kitchen flood immediately after the work was performed. It has not yet been paid. I... show more
    How long should it take my home insurance company to pay a water damage restoration company for 5 days of emergency service in late August? The invoice for clean up and tear down (which is apparently justified) is $15,000 and was sent to the insurance company for a kitchen flood immediately after the work was performed. It has not yet been paid. I have not paid anything -- they were hired on an assignment of benefits, and I had to bring them in immediately to clean up the water. I had to do so according to my insurance policy to "secure the property". I now have a larger restoration claim that I am in negotiation for repairs with the insurance company that is not yet settled. I have not begun any of the repair work. Is this emergency service paid separately? The restoration company has not yet sent me a direct bill. Do I need to start being proactive?
    7 answers · Insurance · 3 months ago
  • Is $15,000 too high a bill for a mitigation company to charge to take care of a kitchen flood in my house?

    In August I had a bad kitchen flood. There was water damage not only in the kitchen -- but throughout the villa, which was submerged in several inches of water. I had to get a mitigation company in (I am in Florida) to immediately dry the house out. It was a well known restoration company, they had to remove kitchen kitchen cabinets, take down part... show more
    In August I had a bad kitchen flood. There was water damage not only in the kitchen -- but throughout the villa, which was submerged in several inches of water. I had to get a mitigation company in (I am in Florida) to immediately dry the house out. It was a well known restoration company, they had to remove kitchen kitchen cabinets, take down part of my dry walls in four rooms, move furniture, -- and billed my insurance company directly. They set up drying equipment for 5 days. The insurance company has still not paid the invoice, they are negotiating a settlement with my public adjuster. I am responsible for their bill of $15,000 it seems - even though I never saw the final bill. I am getting nervous about this. Is this a ridiculous invoice for this amount of work?
    7 answers · Insurance · 3 months ago
  • Should you ever make contact with your insurance company directly if you have hired a public adjuster?

    This is for a large home water damage claim in Florida (over $50,000 from a kitchen flood). The date of the incident was mid August 2018. I hired a public adjuster to submit the claim -- they did a very good job of documenting everything, and have been responsive. However, the insurance company just sent me a letter -- copying the public adjuster --... show more
    This is for a large home water damage claim in Florida (over $50,000 from a kitchen flood). The date of the incident was mid August 2018. I hired a public adjuster to submit the claim -- they did a very good job of documenting everything, and have been responsive. However, the insurance company just sent me a letter -- copying the public adjuster -- saying that they need three minor pieces of information and they they may deny my claim unless they get the information in 15 days. They also say they need a recorded statement from me. The public adjuster told me that they sent all information, and that the recorded statement is a phone call that the insurance company has to set up with me --- and that they have not yet returned the public adjusters phone call and that they are on top of things. They also said that this letter from my insurance company (which was sent to me 10 days after it is dated) is simply to "rattle me up" and for me to let the public adjuster handle it. My question is this. Should I reply to the insurance company directly by phone --- I have the adjuster's name at the insurance company and telephone number -- and circumvent my own public adjuster to make sure they are getting the information they need, or listen to my public adjuster and let them handle all contact? I think my public adjuster has done a very good job to date -- but why is the insurance company complaining to me that they are not getting some information.
    3 answers · Insurance · 3 months ago
  • Water damage claim -- leaking kitchen faucet and valves on invoice.?

    I currently have a major water damage claim in progress due to a burst kitchen faucet which caused my villa to be covered in two inches of water due to flooding water . The insurance company has asking for all plumbing invoices. I just read the invoice for a new kitchen faucet and it says "payment for replacing a leaking kitchen faucet and hot... show more
    I currently have a major water damage claim in progress due to a burst kitchen faucet which caused my villa to be covered in two inches of water due to flooding water . The insurance company has asking for all plumbing invoices. I just read the invoice for a new kitchen faucet and it says "payment for replacing a leaking kitchen faucet and hot and cold water valves". The damage I have is due to a sudden faucet break, and not slow water leaks and damage. My question is this -- if I send the insurance the insurance company the invoice as it, can they deny the claim since they do not cover damage due to slow water leakage? This is a major water claim due to a huge accident which flooded my entire house. I am worried about the term "leak".
    5 answers · Maintenance & Repairs · 4 months ago
  • Kitchen overflow water damage / insurance company in Florida?

    Late Saturday night my kitchen sink valves broke and flooded my Florida villa with about 1 inch of standing water. I was able to get the standing water out in about 5 hours - damage exists to the carpeting (which is still drying) and to two kitchen cabinets. Here is my question. I contacted my homeowners insurance company and they seemed... show more
    Late Saturday night my kitchen sink valves broke and flooded my Florida villa with about 1 inch of standing water. I was able to get the standing water out in about 5 hours - damage exists to the carpeting (which is still drying) and to two kitchen cabinets. Here is my question. I contacted my homeowners insurance company and they seemed lackadaisical. They told me an adjuster would contact me within three business days, did not send over anyone to help dry my place out, and merely sent a letter saying to take all measures "to prevent further damage to my home". They did tell me I was covered. They have made no commitment to pay for anything so far, and I have not hired any service -- I do not see any standing water, and I have my fans blowing. I have been taking photos. Should I be concerned that they are not being cooperative so far?
    5 answers · Maintenance & Repairs · 5 months ago
  • Having contact lenses mailed from Canada to the USA?

    I am having three sets of new hard contact lenses mailed to me from Quebec to Florida. They are being placed in a very small package and marked as "contact lenses" by the shipper in Canada. Is this going to create a problem with US Customs? The declared value is only $213. I am an American citizen.
    I am having three sets of new hard contact lenses mailed to me from Quebec to Florida. They are being placed in a very small package and marked as "contact lenses" by the shipper in Canada. Is this going to create a problem with US Customs? The declared value is only $213. I am an American citizen.
    2 answers · Optical · 6 months ago
  • Travel to Lima Peru - food and water safety?

    I am planning a 10 day trip to Lima Peru and planning to stay in three star hotels in the Miraflores district. I have had problems with travelers sickness in the past in places like Egypt, Morocco, and Chile. How safe is Lima in comparison?
    I am planning a 10 day trip to Lima Peru and planning to stay in three star hotels in the Miraflores district. I have had problems with travelers sickness in the past in places like Egypt, Morocco, and Chile. How safe is Lima in comparison?
    1 answer · Peru · 7 months ago
  • This is a question about family funeral etiquette.?

    I have an estranged sibling who lives over 1000 miles away. Our relationship, never that good, has deteriorated of late because of differences over care for a parent -- who lives closest to me (I am the primary caregiver). My sibling's spouse passed away recently, I wanted to fly up for the funeral (I have some fond memories of my brother in... show more
    I have an estranged sibling who lives over 1000 miles away. Our relationship, never that good, has deteriorated of late because of differences over care for a parent -- who lives closest to me (I am the primary caregiver). My sibling's spouse passed away recently, I wanted to fly up for the funeral (I have some fond memories of my brother in law) and was told in no uncertain terms not to come by my sibling's child and by my parent - since my presence was not wanted I have not spoken directly with my sibling -- we communicate via email only when necessary, and communications are strained. I do not feel comfortable calling, phone calls in the past two years turn into long and drawn out arguments. My question is this -- should I bother mailing a sympathy card to my sibling and her child or just let sleeping dogs lie after being told to stay away from their family for the funeral?
    3 answers · Family · 1 year ago
  • Painting or cleaning a lightly stained Popcorn ceiling in Kitchen area?

    I want to repaint my Florida villa interior. It was built in 1990 and is in good shape -- but the ceilings have a small popcorn or textured paint finish. The ceiling is slanted and and 15 feet high and open in the combined living/dining room, our handyman, who is quite knowledgeable, has recommended we try not to paint it. It is stained in spots in... show more
    I want to repaint my Florida villa interior. It was built in 1990 and is in good shape -- but the ceilings have a small popcorn or textured paint finish. The ceiling is slanted and and 15 feet high and open in the combined living/dining room, our handyman, who is quite knowledgeable, has recommended we try not to paint it. It is stained in spots in the kitchen area, I just tried dusting the ceiling -- the paint did not come off but the grease stains remained. I did my own research and it can be painted -- but it is a messy job. Can anyone recommend a way of cleaning stains from a textured paint ceiling (the finish appears to be set on and does not come off with a duster), or would simply having the painter paint it right now -- a messy job on popcorn paint -- the only option to go?
    7 answers · Decorating & Remodeling · 2 years ago
  • The IRS is requesting information on health care insurance by mistake -- What is the best way to reply?

    The IRS just mailed my mom a form 12c asking her for two forms on her Marketplace (Obamacare) health plan - a form 8962 , and form 1095-A before they will mail her her tax refund. The problem is that this is a mistake. My mom is 90 years old and has been on Medicare for many years, she does not have a Marketplace (Obamacare) health care plan,... show more
    The IRS just mailed my mom a form 12c asking her for two forms on her Marketplace (Obamacare) health plan - a form 8962 , and form 1095-A before they will mail her her tax refund. The problem is that this is a mistake. My mom is 90 years old and has been on Medicare for many years, she does not have a Marketplace (Obamacare) health care plan, never applied for one, and was never mailed the forms the IRS is asking about. They mailed us a letter asking for the forms to be returned within the next 20 days, or gave us a fax number to send this information which we do not have. Here is my question --- Would it be best to call the IRS to tell them this is a mistake -- which could result in very long telephone hold times, which is hard for my Mom since she is too unwell to sit up on the phone for hours on hold, fax a reply to this effect to the fax number that was given, or send a certified letter which I have already written that I will have my mother sign to the address given on the first letter with all supporting information that my Mom is on Medicare and never has a Marketplace health care plan, and that this information request was made to us in mistake? Thanks for your advice in advance.
    3 answers · United States · 2 years ago
  • Question about advisability of doing complicated income tax forms by yourself?

    I help my mother with her income taxes. Although they are a bit complicated -- with IRA declarations, stock forms, appreciation, carryover, and schedules, I helped her last year --- and have been doing my own for a very long time with no problem. Here is my question. Last year, the IRS said she overpaid $200 and mailed a check back --- I must have... show more
    I help my mother with her income taxes. Although they are a bit complicated -- with IRA declarations, stock forms, appreciation, carryover, and schedules, I helped her last year --- and have been doing my own for a very long time with no problem. Here is my question. Last year, the IRS said she overpaid $200 and mailed a check back --- I must have figured her taxes incorrectly. My question is this. Am I going to increase the odds of an audit for her by doing this again and probably making a mistake overestimating or underestimating her taxes by this amount? Is it OK if I keep on helping her even though we may be off in our taxes by a few hundred dollars?
    14 answers · United States · 2 years ago
  • Is expired aspirin safe for consumption?

    I have a bottle of Bayer aspirin dated 12/05 that was unopened. I believe that it was purchased in Europe. I just opened it, and the aspirin looks OK, it has a slight pleasant minty smell which is probably how it should smell, and is an off white color. Now, can I take it or should I just throw it out?
    I have a bottle of Bayer aspirin dated 12/05 that was unopened. I believe that it was purchased in Europe. I just opened it, and the aspirin looks OK, it has a slight pleasant minty smell which is probably how it should smell, and is an off white color. Now, can I take it or should I just throw it out?
    5 answers · Medicine · 2 years ago
  • Question about a tube integrated amp?

    I have a small Jolida 102 integrated tube amp in a 400 square foot room. It is rated at 25 watts / 4 ohms per channel. I am running a pair of Linn Espeks floor standing speakers than are rated for 60 watts per channel minimum. I listen to classical music occasionally. I read that tube amps put out much more power than solid states. This amp sounds... show more
    I have a small Jolida 102 integrated tube amp in a 400 square foot room. It is rated at 25 watts / 4 ohms per channel. I am running a pair of Linn Espeks floor standing speakers than are rated for 60 watts per channel minimum. I listen to classical music occasionally. I read that tube amps put out much more power than solid states. This amp sounds "restricted" perhaps -- but I am not sure. Would I do better buying an Onkyo 03050 rated at 75 watts per channel integrated -- solid state? One is on sale right now and I can afford it. Or is this old little tube amp a better choice for the occasional listen for classical?
    1 answer · Home Theater · 2 years ago