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Re: Anyone attend Worcester Polytechnic Institute

My wife studied at WPI (MS-CS). She got an internship and job offer from the internship company before she graduated. Its a good school and well-known in the area.

But the important part is to keep looking for a job/internship.
by ejvyas
Tue Jul 22, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Anyone attend Worcester Polytechnic Institute
Replies: 45
Views: 2422

Re: Medical plan and dependent care

I will have a break between jobs (10-15 days). I am pretty sure you can retroactively start Cobra during that period time if you find you need it. Thats awesome! I love this forum! My son was in a similar situation and I suggested he fill out and sign the paperwork and give it to someone to hold in...
by ejvyas
Thu Jun 26, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 264

Re: Medical plan and dependent care

user5027 wrote:
ejvyas wrote:I will have a break between jobs (10-15 days).


I am pretty sure you can retroactively start Cobra during that period time if you find you need it.


Thats awesome! I love this forum!
by ejvyas
Thu Jun 26, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 264

Re: Medical plan and dependent care

Not sure what penalties you are referring to, but if it is ACA-related, there is no penalty for a gap less than three months. Aah...thanks ! So the only question would be if I am eligible to buy a plan off the MA health connector which has cheaper rates than the COBRA plan offered to me. Again - I ...
by ejvyas
Thu Jun 26, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 264

Medical plan and dependent care

I will have a break between jobs (10-15 days). I was planning for medical and dependent care and had the following questions: 1. I checked COBRA prices from the old company and they are 10x what I am paying now while MA health connector is 4x. Am I eligible to apply for the plans on the MA health co...
by ejvyas
Thu Jun 26, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 264

HSA - moving to new company

I am leaving a company to work for another company that offers HDHP + HSA. I have already hit 90-10 deductible in current company HDHP plan (lots of kids appointments) and very close to OOPMax. Please confirm the following: 1. If I elect HDHP in new company, I will have to go through a new cycle to ...
by ejvyas
Tue Jun 10, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - moving to new company
Replies: 2
Views: 276

Re: Car Insurance - Which company do you use?

Geico

This should have been a poll
by ejvyas
Fri May 02, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - Which company do you use?
Replies: 19
Views: 1774

Re: HSA cost benefit analysis

Have you, yet, personally encountered a situation where you actually had to pay the full deductible? Based on other postings in the forum, I get the impression that people judge, quite correctly, that an economic analysis favors the high deductible plan--they can afford the risk and it is beneficia...
by ejvyas
Tue Apr 15, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA cost benefit analysis
Replies: 23
Views: 2107

Re: KeePass vs LastPass

Should have used the poll option on this one
by ejvyas
Fri Apr 11, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 8684

Re: Stopping Junk Mail

I use PaperKarma and Choice Catalogue but local stores still send me junk offers and coupons that I dont care about. I saw the USPS postman puts these fliers and offers in my mailbox.

Folks - I dont eat pizza everyday. Maybe once in 3-4 months.
by ejvyas
Tue Mar 11, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 17
Views: 1267

Re: T-Mobile's response to a weak signal

Did you try the T WiFi calling? Unfortunately - there is nothing a customer can do. I had good T signal earlier. Now its weak during the day.
by ejvyas
Mon Mar 10, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile's response to a weak signal
Replies: 16
Views: 1896

Re: AT&T Mobile Users: Check your plans

By selecting these plans you are moving off contract. The big change would be if you need a new phone ATT wont subsidize it. You will pay full retail price. The rep told me it has no impact on your contract. ATT Alert: Reps are confused. They told my friend if he buys Moto X from Motorola and activ...
by ejvyas
Mon Mar 10, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6726

Re: Anti-virus for Mac?

For people who claim to have never had a virus: how do you know? Most viruses wouldn't exactly announce themselves. You could easily have a virus for years and never know about it. If I had a virus for years and didn't know it then that's a pretty lame virus. I've had a PC with a virus and I knew i...
by ejvyas
Mon Mar 10, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 4277

Re: The Oscars

Nothing. I changed the channel in 15 mins
by ejvyas
Tue Mar 04, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1681

Re: Billing for annual physicals

Indeed, to be sure it is coded as a physical, one can do what Kevin did: say everything is fine. The problem is that a physical has ZERO value, zero. Except for a review of things that are problematic, the routine exam is worthless except for a blood pressure check annually, a cholesterol value eve...
by ejvyas
Thu Feb 13, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3914

Re: What are you paying for your personal tax prep?

I use HnR or TT or TaxAct so ~$50
by ejvyas
Wed Feb 12, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are you paying for your personal tax prep?
Replies: 28
Views: 1564

Re: Billing for annual physicals

I am using HDHP since the last ~ 3 yrs. I have seen this is increasingly common practice unless you know the doctor or the office personnel. All my friends were charged extra and given lab orders that were diagnostic in nature even after they insisted the doctor to do just basic preventive tests dur...
by ejvyas
Wed Feb 12, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3914

Re: Target's Brightspot from T-Mobile.

Thanks, I've actually been researching the $30 option since I posted last night. I'd probably buy a used iphone on http://www.glyde.com , which I learned from another thread on here. Trying to find a way around the 100 minutes, possibly by using an app has been my focus. This page is confusing to m...
by ejvyas
Wed Feb 12, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Brightspot OR $30/unlimited web/text/100 min. from T-Mobile.
Replies: 26
Views: 3439

Re: wash sale

Give him the link to this thread and ask him to register @ Bogleheads :wink:
by ejvyas
Wed Feb 12, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: wash sale
Replies: 6
Views: 311

Re: AT&T Mobile Users: Check your plans

With the ATT plan you're not forced to buy their overpriced phones like the new TMobile plan. I tried to switch to TMobile but they wouldn't let me. TMo forced me to buy two new Galaxy S4 for $1300 and offered only $300 for my two new Galaxy S4! I said no way I'll simply unlock my S4 to use so we'r...
by ejvyas
Wed Feb 05, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6726

Re: Check Rejected Due to Low Number

Clearly, there is a business opportunity here a check-printing company that prints checks with a starting number of 10001. Or 31416. Imagine how impressed the clerk will be at seeing such a big number! Looks like there might not be room for more than five digits in the MICR area. Too bad, "six...
by ejvyas
Fri Jan 24, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check Rejected Due to Low Number
Replies: 56
Views: 3849

Re: New Amica discounts available

I always got Amica quotes +10% more than the second highest
by ejvyas
Fri Jan 24, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 15
Views: 1452

Re: Garmin Nuvi equivalent ?

Don't be cheap and get a GPS. That's my view. Sure, your smartphone can do a lot of things. But there's something to be said for specialized devices. Owning a Swiss Army knife doesn't mean you no longer have need of a real set of screwdrivers. I have a GPS receiver for the car, a smaller GPS receiv...
by ejvyas
Fri Jan 24, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Garmin Nuvi equivalent ?
Replies: 32
Views: 2055

Re: 11% increase in auto insurance premium

Shop insurance every year. Lowest is the best
by ejvyas
Mon Jan 13, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 11% increase in auto insurance premium
Replies: 25
Views: 2343

Re: Buy new vs used RX 350

Discussion has gone tangent to what the OP has asked. I m having great fun understanding whether to go for new or used CPO RX350 :oops:

Go Pats !
by ejvyas
Sun Jan 12, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: Buy new vs used RX 350
Replies: 29
Views: 2948

Re: Buy new vs used RX 350

I compared RDX, MDX, Highlander, CRV and now planning to buy RX350 certified pre-owned (maybe 1-2 yrs old). MDX was a close second but its huge and we dont need 3rd row seating.
by ejvyas
Thu Jan 09, 2014 12:51 am
 
Forum: Personal Consumer Issues
Topic: Buy new vs used RX 350
Replies: 29
Views: 2948

Re: How do you filter your water?

Brita pitcher
by ejvyas
Wed Jan 08, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you filter your water?
Replies: 77
Views: 3574

Re: Auto insurance

Geico. I compare quotes from 3-4 companies every year
by ejvyas
Wed Jan 08, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto insurance
Replies: 35
Views: 2639

Re: How much a baby costs?

I EBF but took the free formula as just in case. Sadly, not every woman can BF so hope for the best but prepare for the worst. Thanks for remembering this -- many "breast is best" advocates around here make it sound like people who don't breastfeed are committing child abuse, even when it...
by ejvyas
Tue Jan 07, 2014 1:05 am
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4739

Re: How much a baby costs?

Your washing machine will instantly get double the work when you bring the little one home, or more. You will have to wash all of the burp rags, clothes, bedding, etc, etc. You will also be washing more of your own clothes too. If the machine is old, prepare to buy a new one. All the laundry also m...
by ejvyas
Tue Jan 07, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 4739

Re: Fully fund HSA or move on to taxable account?

max out HSA and let it compound. Keep receipts for emergency withdrawal at a later period. You might be healthy now which is even better for HSA funds to grow. Let it grow
by ejvyas
Fri Jan 03, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fully fund HSA or move on to taxable account?
Replies: 12
Views: 612

Re: Credit Card Bonuses

There is one card not mentioned on the website which is free (not just first year like sapphire) with decent bonuses https://www304.americanexpress.com/credit-card/blue-cash-everyday 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%); 2% Cash Back at U.S. gas stations; ...
by ejvyas
Thu Jan 02, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4244

Re: What was your 2013 return?

I dont monitor that closely. Just stay the course
by ejvyas
Wed Jan 01, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Split from] What was your 2013 return?
Replies: 12
Views: 445

Re: Amazon Subscriptions

I use Amazon extensively. Its a very good program. Amazon is fabulous at customer service. Their return policy is excellent too. I have many household items on S&S. Not all items beat my local Walmart price but if they do I get better brands at similar or cheaper. Often they also have coupons. H...
by ejvyas
Tue Dec 31, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Subscriptions
Replies: 13
Views: 1557

Re: Car waxing discounts at the car wash - worth it?

I wash and wax my car myself in a DIY car washing stall for $2.25. I think it is about 4 minutes I am running around with a wand to wash, rinse and wax, and it has kept the paint in good shape over 10 years, and takes only 4 minutes every 2 weeks. Here in the Northeast we have a lot of salt on the ...
by ejvyas
Tue Dec 31, 2013 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Car waxing discounts at the car wash - worth it?
Replies: 13
Views: 1069

Re: Women Better Investors Than Men?

There are many articles with no reference to the study. I dont believe such articles :annoyed

"One investment study"

"According to a number of studies"
by ejvyas
Mon Dec 30, 2013 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 3226

Re: Strange calls to Google voice

Many VOIP and landline numbers are available online. Only option is to change number if such things happen.

I dont lift unknown calls. Let them go to VM and check VM immediately. If my phone recognizes the number that is when I pick up
by ejvyas
Sat Dec 28, 2013 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Strange calls to Google voice
Replies: 5
Views: 750

Re: Used Smartphones?

I keep one backup for emergency - just in case my current cell phone decides to commit suicide. The prior one (might not be a smartphone) I sell or give it away to kids in the friends/family who have just reached cellphone age
by ejvyas
Sat Dec 28, 2013 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Used Smartphones?
Replies: 20
Views: 1258

Re: Why Do New Operating Systems So Often Disappoint?

I am guessing you mean to say "new versions" of old OS.

I totally depends upon the project and the developers - there are many linux OS that are minimalist and get the job done. Even Windows and Mac OS had good and bad releases.
by ejvyas
Sat Dec 28, 2013 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Why Do New Operating Systems So Often Disappoint?
Replies: 96
Views: 7245

Re: Cash in Your Wallet

20-50 Many times <10. 3 credit cards and a couple of debit cards
by ejvyas
Sat Dec 28, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4313

Re: OTA HDTV - Best antenna to use?

Terk HDTVa http://www.amazon.com/Amplified-High-De ... B0007MXZB2 has been awesome for me. I like 30 miles from the city and I get a lot of channels
by ejvyas
Thu Dec 26, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 23
Views: 2695

Re: overcontributed to HSA

You can withdraw the excess contribution before filing the tax return. But I guess the banks charge some fee for withdrawal?
by ejvyas
Thu Dec 26, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: overcontributed to HSA
Replies: 27
Views: 2052

Re: High Deductible Health Plan question

They will be, as many top notch hospitals and doctors will be, out-of-network. The costs out-of-network could be staggering. In the 2-3 HDHP-HSA plans that I have analyzed for my friends, most top-notch doctors and all hospitals are in-network. I am not sure how your particular plan does not includ...
by ejvyas
Wed Dec 25, 2013 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 1872

Re: What Was Your Best Portfolio move in 2013

Sticking to my Lazy Portfolio was the best move :beer
by ejvyas
Wed Dec 25, 2013 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7594

Re: High Deductible Health Plan question

HDHCP patients get hammered when it comes to hospital or facility fees. If the fees are $10k and you had a $2500 deductible, the insurance would pay $7.5k and you pay $2.5k. Now, with a HDHCP, you pay the whole $10k. And, if you have family members, you would pay a $10k deductible for each person c...
by ejvyas
Wed Dec 25, 2013 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 1872

Re: If I unlock iPhone 4s, what next?

I am using T-mobile and sharing with 4 others. Final price $24/month (unlimited call/text/data - 500mb 4g)
Check republic wireless as well
by ejvyas
Tue Dec 10, 2013 12:16 am
 
Forum: Personal Consumer Issues
Topic: If I unlock iPhone 4s, what next?
Replies: 21
Views: 1742

Re: Car Buying Question

Email + Truecar.com
by ejvyas
Wed Dec 04, 2013 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Question
Replies: 13
Views: 1065

Re: Blue Cash Everyday Card from American Express Offer

Not quite as sweet of a deal, but Chase just doubled the signup bonus for the Freedom card to 20,000 UR points ($200 statement credit, more value if transferred to airlines via Sapphire Preferred account). Need to spend $500 in 3 months, no annual fee. 5X points in rotating categories each quarter,...
by ejvyas
Wed Dec 04, 2013 2:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Blue Cash Everyday Card from American Express Offer
Replies: 9
Views: 4699
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