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Re: Best Bank for Checking Account

I have an interest free checking account at a major brick bank that is very convenient. It pays not interest so I am tempted to look around for a better checking that is free and pays interest and has no gotchas. Then I figured out what an average balance would be and the interest it would generate...
by ieee488
Wed Mar 25, 2015 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2503

Re: Best Bank for Checking Account

My main checking account is with a local bank.
No fees. Just keep $100. No interest.

I don't use ATMs so nationwide ATMs are not important to me.
by ieee488
Tue Mar 24, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2503

Re: VBRO and Airbnb versus property values

4nursebee wrote:Do you care about this? Is it your fight?

Why wouldn't it be his fight?

The house is across from his. I would be very concerned and not in the least bit happy.

The HOA might want to contact the city/municipality as well.
If the owner is operating a "hotel" or not.
by ieee488
Sun Mar 22, 2015 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3808

Re: COBRA vs ACA

It appears that, once I chose a gold PPO plan, all of my normal health providers were listed as accepting the insurance plan. These plans cost just shy of $400/month. Any lower tier resulted in none of my doctors being listed as accepting the insurance plan. I am on the silver EPO plan. My doctors ...
by ieee488
Sat Mar 21, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2085

Re: Newly retired teacher - tax questions

She doesn't get a 1099 from this activity Whether she receives a 1099 or not is not relevant. If she meets the threshold that was linked in the previous post, she needs to report the income. She can also open a solo 401(k) from the earnings. In 2014, deducted my medical insurance premium for the mo...
by ieee488
Sat Mar 21, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly retired teacher - tax questions
Replies: 5
Views: 590

Re: COBRA vs ACA

I switched over to ACA on January 1, 2014. I had COBRA for 3 months. Since I was uncertain about 2014 income, ACA worked out for me. My PCP accepted the Blue Cross Blue Shield plan that I purchased. I had no issues. Prior to ACA and when I lived in a different town, I had another primary care physic...
by ieee488
Fri Mar 20, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2085

Re: Laptop: Windows based vs. Apple

Stonebr wrote: Powering up the Mac takes only a few seconds. With the Windows machine I used to use at work, I could drink a mug of coffee in the time it took to boot up in the morning.


My Windows 7 Pro work laptop boots up in seconds as well.
The specs i7-4610M CPU, 8 GB of RAM.
by ieee488
Mon Mar 16, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5636

Re: Laptop: Windows based vs. Apple

There are already many discussions on this topic. It generally degenerates into arguments which convinces no one. Just do what you want to do. The thing that throws me a little bit is how little storage you get with an Apple vs. windows based desktop. The answer you hear is "Well, you should st...
by ieee488
Mon Mar 16, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5636

Re: Portland transportation

westie wrote:Oregon?

Maine?

Did I miss it?


No, you didn't miss it.

I suppose it was "assumed" we all know it was Portland, Oregon. [rolling eyes]
by ieee488
Mon Mar 16, 2015 6:28 am
 
Forum: Personal Consumer Issues
Topic: Portland transportation
Replies: 19
Views: 1629

Re: Bookshelf/ Tabletop Audio

Are you expecting the system to come with a dock or do you already have a dock?
by ieee488
Mon Mar 16, 2015 6:25 am
 
Forum: Personal Consumer Issues
Topic: Bookshelf/ Tabletop Audio
Replies: 5
Views: 506

Re: Barclays - Personal Banking?

No two-factor authentication.
You have answer 2 challenge questions.
by ieee488
Sun Mar 15, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 353

Re: outdoor wireless camera

The Arlo camera takes batteries.

I was hoping to make use of the outdoor electrical outlet.
by ieee488
Sun Mar 15, 2015 6:23 pm
 
Forum: Personal Consumer Issues
Topic: outdoor wireless camera
Replies: 2
Views: 568

Re: Solo 401k & tax filing - Employee/employer contributions

I've found Turbo Tax miscalculates the solo 401(k) max contribution. It's very likely your maximum employer contribution is much less than $5500 that Turbo Tax is telling you. Best to calculate it yourself based on below. https://www.bogleheads.org/wiki/Solo_401(k)_plan Thank you for the link. It i...
by ieee488
Sat Mar 14, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k & tax filing - Employee/employer contributions
Replies: 4
Views: 344

outdoor wireless camera

I have a covered electrical outlet outside my front door. As an experiment, I would like to buy an outdoor camera that will transmit what it sees to a PC(?) inside the house so that the video can be stored. DLink has several listed on their website. Not sure which one to choose. http://us.dlink.com/...
by ieee488
Sat Mar 14, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: outdoor wireless camera
Replies: 2
Views: 568

Re: BEWARE-Dell Computer Tech Service (India)

We all know that Dell has a Long history of fraud . Their track record is what it is. Like the Dead Parrot sketch in Monty Python, they have a history. If you disagree you are certainly welcome to your own opinion. If you are happy then by all means stay happy, but their track record is what it is....
by ieee488
Thu Mar 12, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3368

Re: BEWARE-Dell Computer Tech Service (India)

Dell Pro support is domestically based and is generally of a much higher caliber of technicians. This is their business support (though anyone can purchase pro support). I just went to Dell.com and selected a consumer-grade Inspiron laptop. I don't see the ability to choose Pro Support. I see it wi...
by ieee488
Wed Mar 11, 2015 9:35 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3368

Re: Just cut my cable bill...

I went from comcast triple play whatever fro $ 208 /mo :shock: to 'Blast Plus'. Moved the landline to ObiTalk +Google Voice (free). Bought a (better) router, rather than rent a crppy one. Ditched the DVR. Still have HD basic cable +HBO, high-speed internet and a landline, $ 116 /mo. Works out to ab...
by ieee488
Sun Mar 08, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Not sure what to do or ready?

mule wrote:I have 3 million in stock funds 75% and the rest in money market/CD. I owe no one anything and I'm 58 years old. My net worth is 500k more.


I am confused. $3M or $500K?
by ieee488
Sun Mar 08, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do or ready? [Preparing for retirement]
Replies: 17
Views: 1710

Re: Reducing Costs for Internet Service Provider (ISP)

Bounce back and forth between the two competitors.
I am too lazy to do that.
Here, the choice is Verizon FIOS and Comcast.
by ieee488
Sat Mar 07, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Costs for Internet Service Provider (ISP)
Replies: 10
Views: 1080

Re: Student loan for Masters.

I wouldn't.

Is $50K simply the tuition?
What about the lost income while you are a student? Or are you planning on taking night classes?
by ieee488
Sat Mar 07, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Student loan for Masters.
Replies: 11
Views: 774

Re: Just cut my cable bill...

I went from comcast triple play whatever fro $ 208 /mo :shock: to 'Blast Plus'. Moved the landline to ObiTalk +Google Voice (free). Bought a (better) router, rather than rent a crppy one. Ditched the DVR. Still have HD basic cable +HBO, high-speed internet and a landline, $ 116 /mo. Works out to ab...
by ieee488
Sat Mar 07, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by ieee488
Sat Mar 07, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by ieee488
Sat Mar 07, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Loaning a Friend Money for Downpayment

Why are you making this so difficult?

You say he has no issues with legal paperwork. Then DO it.
by ieee488
Fri Mar 06, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Loaning a Friend Money for Downpayment
Replies: 20
Views: 1424

Re: self-employed health insurance deduction (line 29 Form 1

When I first applied to coverage, I was not employed, and I guesstimated my 2014 earned income. The guesstimate is low compared to my eventual income. Based on my eventual 2014 earned income, I am not eligible for Premium Tax Credit that I received. So, I can't claim it... Please clarify: It sounds...
by ieee488
Thu Mar 05, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 376

Re: Good career for woman mid 30's?

I graduated high school in 1999 in my country. When I came here in 2000, I took 8 classes at the local community college then I just gave up college all together. I took 4 ESL classes and 4 math classes college algebra, trigonometry, cal 1 and cal 2. I got Cs for English and 2 As 2 Bs for mathemati...
by ieee488
Thu Mar 05, 2015 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 34
Views: 3584

Re: self-employed health insurance deduction (line 29 Form 1

When I first applied to coverage, I was not employed, and I guesstimated my 2014 earned income. The guesstimate is low compared to my eventual income. Based on my eventual 2014 earned income, I am not eligible for Premium Tax Credit that I received. So, I can't claim it. If I am understanding this r...
by ieee488
Thu Mar 05, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 376

self-employed health insurance deduction (line 29 Form 1040)

I have self-employment income from a 1099 for 2 months in 2014. According to the instructions for Form 1040 for line 29, Use Pub. 974 instead of the worksheet in these instructions if the insurance plan established, or considered to be established, under your business was obtained through the Health...
by ieee488
Thu Mar 05, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 376

Re: Tourists in Manhattan

Hotel prices in Manhattan in May will be high. College graduations, etc.

Staying near Newark and taking the train in gets old unless you want to see what the life of a NJ commuter is like.
by ieee488
Tue Mar 03, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4442

Re: Is Employer Match portion of Solo-401K Deductible Biz Ex

Very useful information to know.

I worked on a 1099 for the first 2 months of 2015 and had started a solo-401K with Fidelity.
by ieee488
Sun Mar 01, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Employer Match portion of Solo-401K Deductible Biz Exp?
Replies: 5
Views: 252

Re: Is a generator worth it?

Lost power after Superstorm Sandy for 4 days. So, last winter I purchased a Mr. Buddy propane heater along with two 1lb propane tanks. I have three carbon monoxide detectors; two of which have battery backups. This winter, I purchased a 800W inverter to hook up to the car battery with the 100 ft 12A...
by ieee488
Sun Mar 01, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5513

Re: Question on Relocation Package (from Employer's perspect

Are you sure you are understanding the package correctly? 10% of the cost selling a home? 10% of a 6% commission? That leaves 90% of 6%. 10% of 6% of $275K = $1650 the cost of selling a home is NOT the cost of the home 5% of the cost of buying a home? 5% of the trips to your new city to look for a n...
by ieee488
Sun Mar 01, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on Relocation Package (from Employer's perspective)
Replies: 6
Views: 527

Re: hearing confidential conversations at work

I don't mind the "noise". Part of my reluctance to say something is to "not rock the boat". Apparently, this has been going on for a while, and I am the new kid on the block. My concern is that she may not know how clearly everything can be heard. The office area is small with 12...
by ieee488
Sat Feb 28, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: hearing confidential conversations at work
Replies: 3
Views: 770

hearing confidential conversations at work

I started a new job on Monday. My cubicle is across the aisle from two offices with doors. One office is unoccupied. The other belongs to one of the technical recruiters in the company. I was shocked to be able to hear every word that is said in that office even when the door is closed. On Friday I ...
by ieee488
Sat Feb 28, 2015 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: hearing confidential conversations at work
Replies: 3
Views: 770

Re: Home-visit computer repair options

Just throw it in the trash and get her an ipad. Another vote here for iPad, assuming she has WiFi. iPad is my mom's first experience with a computer. It's been pretty much support free after she got the hang of it. I get a call once in a while when a grandkid plays with it and changes some settings...
by ieee488
Sun Feb 15, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 954

Re: Home-visit computer repair options

After a few years of maddening efforts to troubleshoot my parents' PC issues on the phone from hundreds of miles away, we gave them a Chromebook and haven't had an issue since. They only wanted email and web browsing anyway and never used any software applications. You still need someone to set up ...
by ieee488
Sun Feb 15, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 954

Re: Home-visit computer repair options

I'll second the iPad suggestion! And who is going to help set up the iPad for his mother? It isn't going to set itself up on its own. Does an ipad require a lot of setup? I confess to not having a tablet, but there are a lot of /terribly/ computer illiterate people out there who seem to get a lot o...
by ieee488
Sun Feb 15, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 954

Re: Vision and Dental Insurance Question

I just looked at my records.

Without insurance, my most dentist bill in April 2014 for a routine exam and cleaning was $136.
Yet, when I had insurance that same exam and cleaning in January 2015 was $93 paid by Metlife Dental.
by ieee488
Sun Feb 15, 2015 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1610

Re: Home-visit computer repair options

After a few years of maddening efforts to troubleshoot my parents' PC issues on the phone from hundreds of miles away, we gave them a Chromebook and haven't had an issue since. They only wanted email and web browsing anyway and never used any software applications. Did you go in person to set the C...
by ieee488
Sun Feb 15, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 954

Re: Home-visit computer repair options

inbox788 wrote:I'll second the iPad suggestion!


And who is going to help set up the iPad for his mother?
It isn't going to set itself up on its own.

inbox788 wrote:I'll second the iPad suggestion!

Have Amazon ship it to her and then what?
by ieee488
Sun Feb 15, 2015 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 954

Re: Home-visit computer repair options

I live 30 minutes from Lakewood, NJ. :D

Unless she can find someone she knows who is "computer saavy" to help her, a housecall won't be cheap. $100+
by ieee488
Sun Feb 15, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 954

Re: Vision and Dental Insurance Question

No COBRA? I worked as a contract programmer for an agency and that agency provided vision and insurance coverage. Shortly after my assignment ended, the agency stopped paying the premiums. I'm assuming that I wouldn't be eligible for COBRA in this case. Assume? If you were an employee of that agenc...
by ieee488
Sat Feb 14, 2015 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1610

Re: Vision and Dental Insurance Question

No COBRA? I worked as a contract programmer for an agency and that agency provided vision and insurance coverage. Shortly after my assignment ended, the agency stopped paying the premiums. I'm assuming that I wouldn't be eligible for COBRA in this case. Assume? If you were an employee of that agenc...
by ieee488
Sat Feb 14, 2015 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1610

Re: Tenants won't let us show the rental: what do we do?

I won't give in to their extortion.

I'd wait until they move unless you are that desperate to sell.
by ieee488
Sat Feb 14, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 7163

Re: Vision and Dental Insurance Question

No COBRA?
by ieee488
Sat Feb 14, 2015 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1610

Re: Dollar cost averaging a lump sum (bonus) in 401k

How much is this bonus in relation to your entire portfolio?
5% 25% 50% ?
by ieee488
Sat Feb 14, 2015 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar cost averaging a lump sum (bonus) in 401k
Replies: 8
Views: 532

Re: Dealing with problematic tenants.

Give them written notice.

Tell them that you will be selling the place.
Do the kitchen remodel.
Then change your mind about selling.
by ieee488
Fri Feb 13, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 3561

Re: Budget for family of 4

yellowgirl wrote:I'm nervous about school because I graduated high school a long time ago.

All the more reason to try one course at a community college first.
In addition the other students taking the evening classes tend to be people like you with jobs and families.
Good luck.
by ieee488
Thu Feb 12, 2015 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget for family of 4
Replies: 24
Views: 3043

Re: Budget for family of 4

In addition, could you consider getting an associate's degree from a community college in accounting or finance to start? +1 Don't jump in with both feet. Take a course at the local community college in the evening if possible. The local community colleges here in NJ have a reciprocal program with ...
by ieee488
Wed Feb 11, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget for family of 4
Replies: 24
Views: 3043
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