Comments for Change Counts http://changecounts.com Changing the way we think about money - Count me in! Mon, 20 Feb 2012 15:48:06 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on Is Homeowners Insurance Tax Deductible by Marguerite Rhatigan http://changecounts.com/is-homeowners-insurance-tax-deductible.html/comment-page-1#comment-1740 Marguerite Rhatigan Mon, 20 Feb 2012 15:48:06 +0000 http://changecounts.com/is-homeowners-insurance-tax-deductible.html#comment-1740 Dear Mack, Thank you for the straight forward answer to the question if homeowners ins. is tax deductable. I'm having a disagreement with a friend of mine who filed his taxes online and he said there was a line that asked for the amount of his homeowners ins. to be deducted. My question is why if it's on an online form, I don't see it on my itemized deduction schedule A form. He said it went under his itemized deduction section. I hope he's not mistaking mortgage ins. for homeowners. Any help on this would be appreciated. Sincerely, Marguerite Rhatigan Dear Mack,
Thank you for the straight forward answer to the question if homeowners ins. is tax deductable.
I’m having a disagreement with a friend of mine who filed his taxes online and he said there was a line that asked for the amount of his homeowners ins. to be deducted.
My question is why if it’s on an online form, I don’t see it on my itemized deduction schedule A form. He said it went under his itemized deduction section. I hope he’s not mistaking mortgage ins. for homeowners.
Any help on this would be appreciated.

Sincerely,
Marguerite Rhatigan

]]> Comment on How to get out of a car lease by Aaron http://changecounts.com/how-to-get-out-of-a-car-lease.html/comment-page-1#comment-1739 Aaron Thu, 19 Jan 2012 05:39:26 +0000 http://changecounts.com/how-to-get-out-of-a-car-lease.html#comment-1739 After all the research I've been doing on trying to exit my lease that first option that you presented is oddly one of the better options I was coming to myself, having not read your article - it was starting to make sense that paying off $5k at a low interest rate would be better than paying my lease payment. It's painful to the think about though, that this really is my best option since, oddly, I don't really trust those swap a lease or lease transfer websites - I don't like the idea of having to pay money just to post the car. I think it should be pay upon completion only, then I would do it in a heartbeat. Just a further thought. After all the research I’ve been doing on trying to exit my lease that first option that you presented is oddly one of the better options I was coming to myself, having not read your article – it was starting to make sense that paying off $5k at a low interest rate would be better than paying my lease payment. It’s painful to the think about though, that this really is my best option since, oddly, I don’t really trust those swap a lease or lease transfer websites – I don’t like the idea of having to pay money just to post the car. I think it should be pay upon completion only, then I would do it in a heartbeat. Just a further thought.

]]> Comment on Review of Dentalplans.com by Mack http://changecounts.com/review-of-dentalplans-com.html/comment-page-1#comment-1738 Mack Sat, 07 Jan 2012 19:48:54 +0000 http://changecounts.com/?p=420#comment-1738 Thanks but I have done my research. I have used them myself and it was a great savings! No problems at all, so that is my experience. Thanks but I have done my research. I have used them myself and it was a great savings! No problems at all, so that is my experience.

]]> Comment on Review of Dentalplans.com by James Brown http://changecounts.com/review-of-dentalplans-com.html/comment-page-1#comment-1735 James Brown Fri, 18 Nov 2011 14:51:39 +0000 http://changecounts.com/?p=420#comment-1735 Do your research. They have negative ratings on many review sites Do your research. They have negative ratings on many review sites

]]> Comment on 10-10-80 Rule of Investing by sia http://changecounts.com/10-10-80-rule-of-investing.html/comment-page-1#comment-1688 sia Sat, 26 Feb 2011 16:09:45 +0000 http://changecounts.com/10-10-80-rule-of-investing.html#comment-1688 I read this and I felt blessed reading this.God bless you! I read this and I felt blessed reading this.God bless you!

]]> Comment on How Much Will I Need to Retire? by Mack http://changecounts.com/how-much-will-i-need-to-retire.html/comment-page-1#comment-1371 Mack Sat, 27 Feb 2010 17:50:14 +0000 http://changecounts.com/how-much-will-i-need-to-retire.html#comment-1371 Eb, right, large losses are all around us right now, but some years there are large gains, much more than 12%... it is a planning tool. It depends on what you are invested in, and such. History confirms the 12%. Whether or not we get that in the future is anyone's guess. I am sure people back in the 70's would say the same thing, yet anyone who lived through the 70's and 80's knows what happened to the market. Eb, right, large losses are all around us right now, but some years there are large gains, much more than 12%… it is a planning tool. It depends on what you are invested in, and such. History confirms the 12%. Whether or not we get that in the future is anyone’s guess. I am sure people back in the 70′s would say the same thing, yet anyone who lived through the 70′s and 80′s knows what happened to the market.

]]> Comment on How Much Will I Need to Retire? by eb http://changecounts.com/how-much-will-i-need-to-retire.html/comment-page-1#comment-1367 eb Wed, 17 Feb 2010 23:08:09 +0000 http://changecounts.com/how-much-will-i-need-to-retire.html#comment-1367 This is great, but what about years such as 2008, where large losses were posted? This is great, but what about years such as 2008, where large losses were posted?

]]> Comment on 10 Term Life Insurance Facts by Mack http://changecounts.com/10-term-life-insurance-facts.html/comment-page-1#comment-1358 Mack Sat, 06 Feb 2010 17:29:34 +0000 http://changecounts.com/10-term-life-insurance-facts.html#comment-1358 Well, calling a person a fool is a real adult thing, I must admit. Instead of taking my website down I think I'll write more truth about term life insurance. You should get your own website and write whatever you think to be true. But as you can see, I let your comment through ( even though calling a person a fool and then expecting them to approve your comment is a little out there) as I think everyone should investigate and do whatever they think best. Well, calling a person a fool is a real adult thing, I must admit. Instead of taking my website down I think I’ll write more truth about term life insurance. You should get your own website and write whatever you think to be true. But as you can see, I let your comment through ( even though calling a person a fool and then expecting them to approve your comment is a little out there) as I think everyone should investigate and do whatever they think best.

]]> Comment on 10 Term Life Insurance Facts by Rick http://changecounts.com/10-term-life-insurance-facts.html/comment-page-1#comment-1352 Rick Tue, 02 Feb 2010 00:52:07 +0000 http://changecounts.com/10-term-life-insurance-facts.html#comment-1352 gulfview00@aol.com You are a fool. Just like I would never say a person always needs whole life or universal insurance, I would never say you only need term insurance in every case. That is like saying that everyone only needs to buy one stock, or have one type of mortgage. True financial planning looks at a person's short term and long term needs. What will this insurance be used for, what specific needs are going to be met with this particular policy? With higher net worth individuals single premium or even better a five or seven pay life insurance plan can be not only a great way of taking care of life insurance needs but it can be a fantastic investment. There is no such thing as one single fix. I suggest you take your website down and rethink your advice. gulfview00@aol.com You are a fool. Just like I would never say a person always needs whole life or universal insurance, I would never say you only need term insurance in every case. That is like saying that everyone only needs to buy one stock, or have one type of mortgage. True financial planning looks at a person’s short term and long term needs. What will this insurance be used for, what specific needs are going to be met with this particular policy? With higher net worth individuals single premium or even better a five or seven pay life insurance plan can be not only a great way of taking care of life insurance needs but it can be a fantastic investment. There is no such thing as one single fix. I suggest you take your website down and rethink your advice.

]]> Comment on 10-10-80 Rule of Investing by Mack http://changecounts.com/10-10-80-rule-of-investing.html/comment-page-1#comment-1331 Mack Sat, 29 Aug 2009 14:16:24 +0000 http://changecounts.com/10-10-80-rule-of-investing.html#comment-1331 Faith is necessary as a cornerstone of understanding God and understanding how you can "give money to God". You are right if you are saying God owns it all anyway. But you may be missing the point that God allows us the freedom to work and strive and acquire things here on earth. He gives us the freedom to show Him that we love Him by having the faith to "give back a portion" of what we have made. True, we should use good judgment , but also it is a matter of faith. Can God direct your giving to where He wants it to go? Did He create the universe? I think He can handle it, but faith is first. Faith is necessary as a cornerstone of understanding God and understanding how you can “give money to God”. You are right if you are saying God owns it all anyway. But you may be missing the point that God allows us the freedom to work and strive and acquire things here on earth. He gives us the freedom to show Him that we love Him by having the faith to “give back a portion” of what we have made. True, we should use good judgment , but also it is a matter of faith. Can God direct your giving to where He wants it to go? Did He create the universe? I think He can handle it, but faith is first.

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