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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: 839

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: 839

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: 839

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: 1517

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: 839

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: 839

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: 839

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: 1517

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: 1517

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: 6928

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: 1517

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: 489

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: 3336

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: 2969

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: 2969

Re: Renting after retirement - how to meet income requiremen

Are you staying that if you sign an one-year lease, and pay the entire 12 months, they *still* won't go for it?
by ieee488
Wed Feb 11, 2015 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting after retirement - how to meet income requirements?
Replies: 31
Views: 3197

Re: I'm not a bad Boglehead [buying Powerball ticket]

I normally don't buy lottery tickets.

But they are doing a lottery pool here at work, so I am in. :happy
by ieee488
Wed Feb 11, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6136

Re: Roth IRA or Traditional IRA ?

It looks like I need to hold off on the Traditional versus Roth until I see what happens for the last four months of 2015 or does it not matter? Let's say I work until the end of August as a temporary employee receiving no benefits. If I get hired as a "real" employee eligible for a 401(k...
by ieee488
Wed Feb 11, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Traditional IRA ?
Replies: 13
Views: 848

Re: Roth IRA or Traditional IRA ?

If you are in 25% now and expect to withdraw IRA funds in the 15% bracket, Traditional is the better choice. You also have to factor in what you expect your SS payments to be and when you expect to start collecting. It looks like I need to hold off on the Traditional versus Roth until I see what ha...
by ieee488
Tue Feb 10, 2015 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Traditional IRA ?
Replies: 13
Views: 848

Re: Roth IRA or Traditional IRA ?

bhsince87 wrote:Howdy Mr. HPIB!
...
I would probably just go with the traditional 401k.


Howdy.

Do you mean a traditional IRA ?
I won't be eligible for a 401k unless I become a "real" employee.
by ieee488
Tue Feb 10, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Traditional IRA ?
Replies: 13
Views: 848

Re: Compensation Definition for Traditional IRA Limits

I don't believe you can invest the full $3000, and the reason has to do with your 1099 income.
For the income on the 1099, you will need to file a Schedule C-EZ to calculate your net profit from you business as a sole proprietor and Schedule SE to calculate your self-employment tax.
by ieee488
Tue Feb 10, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Compensation Definition for Traditional IRA Limits
Replies: 5
Views: 249

Re: Roth IRA or Traditional IRA ?

I will have a very miniscule pension of about $200/month if I retire at 55 and $400/month if I retire at 65.
I will be entirely dependent on SS and my savings.

I enjoy my type of work, so I hope to be able to continue working past 55, though may be not necessarilyy work a 40 hour week.
by ieee488
Tue Feb 10, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Traditional IRA ?
Replies: 13
Views: 848

Re: Roth IRA or Traditional IRA ?

Thank you.
Sounds good to me.
And unfortunately, I am only in the 25% tax bracket.
by ieee488
Tue Feb 10, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Traditional IRA ?
Replies: 13
Views: 848

Roth IRA or Traditional IRA ?

I will be starting work as "temporary" employee on 2/23. I will technically be an employee since they are paying all the payroll taxes. Because I am technically an employee and not on a 1099, I don't believe that I am eligible to contribute to my solo 401(k) that I have. The contract that ...
by ieee488
Tue Feb 10, 2015 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Traditional IRA ?
Replies: 13
Views: 848

Re: Mac reliability?

Ged wrote:I read an writeup not long ago how poor the repairability of current Mac laptops is.


There was a survey that said that Appleheads were much more tolerant of Mac failures than Windows failures.
I guess they have to justify paying 2x - 3x or they would look very foolish.
by ieee488
Fri Jan 30, 2015 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3836

Re: As an Apple fanboi

For me. 1989-1997: Macs. At work and at home (business and personal) 1997-2005: Windows machines. For home-based business. Bought some and built some. 2005-present: iMacs for home-based business. And, Macbooks. And iPhones. I prefer Mac OS X over WIndows. Have Windows running under VMware Fusion on...
by ieee488
Fri Jan 30, 2015 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3836

Re: Mac reliability?

wassabi wrote:but Windows just kept getting progressively worse.

What you describe is a sine wave not a ramp.
by ieee488
Fri Jan 30, 2015 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3836

Re: Mac reliability?

While most PC laptops are useless after 2 years. Macs still keep plugging along. I have only bought one new laptop in my life - a Toshiba Satellite 2065CDS which ran Windows 98. It was still working when it sold it on eBay. Shocking, isn't it? I have only bought refurbished laptops which are alread...
by ieee488
Fri Jan 30, 2015 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3836

Re: Workplace net worth conversations you'd like to avoid?

I always tell people that save 30+% of your gross income consistently and you will do fine. Then, the response will be no way in hell.. This stop all further financial conversation... There is always an excuse why there is never enough money left in the paycheck. I wish I could respond "Give a...
by ieee488
Wed Jan 28, 2015 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9310

Re: Amazon Prime - good deal or calculated conditioning

I am not paying for my one year of membership. It came with my American Express Blue Everyday card.
I must say the 2-day free shipping is addictive.
by ieee488
Wed Jan 28, 2015 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2930

Re: Interview question...salary

investingdad wrote:With that all said am I being unreasonable? Thoughts?

No, you are not being unreasonable.

You know what you want. Why waste your time on something that has no potential of meeting your wants?
by ieee488
Tue Jan 27, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3611

Re: negotiating vacation days

Update.

Vacation days not negotiable. That was that.
No counter by them.
by ieee488
Tue Jan 27, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2720

Re: Do you respond to recruiters contacting you?

I am not on LinkedIn, but I am on Careerbuilder and Monster. I get unsolicited emails all the time. Many times from Indian recruiters who are spamming anybody with an email address regardless of where and what the position is. I ignore those. I will respond with a thank you if the email is addressed...
by ieee488
Tue Jan 27, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2047

Re: Negotiating Price of New Construction Home with Builder?

During 2008-2009 the local builders will offering incentives on their own.
Now, the prices have been skyrocketing, because the demand is there.

I live in NJ, so take that into consideration.
by ieee488
Fri Jan 23, 2015 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating Price of New Construction Home with Builder?
Replies: 9
Views: 1108

Re: negotiating vacation days

Tell them what you want. Your negotiating power is strongest right before you accept the job. At my company they will generally match whatever vacation time a person was receiving at their previous job for a senior hire or someone they are trying to get from a competitor. Junior hires without much ...
by ieee488
Fri Jan 23, 2015 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2720

Re: negotiating vacation days

If you ask and are granted the vacation, see if that is the base that will increment. I've seen a new employee negotiate extra time, only to have the amount frozen for years. Did this new employee ask for a lot more vacation days? Wouldn't they automatically get the more days once the 5 year mark r...
by ieee488
Fri Jan 23, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2720

negotiating vacation days

I just received a job offer for a "permanent" position. The salary is OK. I am back to what I was making in 2003. At this point in my career, I prefer more vacation days. This isn't a megacorp but isn't a small company either - $450M in revenues last year. Starting employees get 15 days a ...
by ieee488
Fri Jan 23, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating vacation days
Replies: 37
Views: 2720

Re: Having a lot of kids really paid off.

[Response to OT comment removed by admin LadyGeek]
by ieee488
Thu Jan 08, 2015 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2596

Re: Best online checking account

You didn't ask, but, my preference is for the use of a brick and mortar bank for checking. Interest on low dollar checking accounts is low or nonexistent so that is not a consideration. Most banks now support online transactions and I like to support in my little way local businesses. Given this, I...
by ieee488
Thu Jan 08, 2015 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5034

Re: ubunto vs xubuntu vs lubuntu laptop

Since you have more than the system requirements, I'd stick with Ubuntu

It is Ubuntu.
by ieee488
Thu Jan 08, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 2471

Re: New SEP-IRA, not simple at all!

A sole proprietor is just that. There cannot be any employees.
Are you sure that the SEP-IRA was set up right?

Anyway, http://www.irs.gov/Retirement-Plans/Ret ... tributions is what you should be reading.
by ieee488
Wed Jan 07, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New SEP-IRA, not simple at all!
Replies: 6
Views: 515

Re: Finance My Son's Law School

Sorry about all the abuse. bogleheads hate it when you pay for your kids' education. I paid for my kids' graduate school, including one law school degree -- the lawyer is now making twice what I am, which is what Americans used to want before we got selfish. It is hardly selfish to make a decision ...
by ieee488
Sun Jan 04, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4491

Re: Question about NJ taxes re: self-employed 401K contribut

To me, it looks like it is no-brainer to start a solo 401(k).
I also have a SEP-IRA.

The tax deduction is a bonus. I did it initially to be able to save more tax-deferred.

I sent in the forms to Fidelity at the end of December 2014, and the account is set up and ready to be funded.
by ieee488
Sun Jan 04, 2015 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about NJ taxes re: self-employed 401K contributions
Replies: 5
Views: 606

Re: Unemployment Insurance Questions

Businesses are supposed to pay unemployment taxes. This is not something that comes out of the employee's pay. If they don't pay then there is no money to pay unemployment on to laid off workers. Here in NJ, the unemployment taxes do come out of the employee's pay. If they weren't taken out and eas...
by ieee488
Sun Jan 04, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 680

Re: Unemployment Insurance Questions

dm200 wrote:Perhaps the question/issue is whether the employer paid Unemployment taxes. Almost all employers are required to do so, but some do not. This is separate from state and federal income tax withholding, and FICA/Medicare.


Or perhaps he was on 1099.
by ieee488
Sun Jan 04, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 680

Re: Question about NJ taxes re: self-employed 401K contribut

I found this by Googling http://www.njnatp.com/pdf/2010njspringnews.pdf On page 3, Along the same lines, contributions to qualified retirement plans made for the benefit of a self-employed taxpayer are deducted as an “adjustment to income”. NJ allows qualified contributions to a self-employed 401(k...
by ieee488
Sun Jan 04, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about NJ taxes re: self-employed 401K contributions
Replies: 5
Views: 606

Re: Have a BJs membership. Should I get their CC?

Altephor wrote:Also, if anyone knows if that 5% applies to the gas station purchases as well (I'm guessing not).


I suspect that they do what Wawa here does which is to code their registers differently.
Purchases at the gas pump is not classified as BJ purchases.
by ieee488
Sun Jan 04, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Have a BJs membership. Should I get their CC?
Replies: 8
Views: 1429

Re: Don't forget the 4Q Es Tax Payment

Mailed Jan 2.
by ieee488
Sun Jan 04, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't forget the 4Q Es Tax Payment
Replies: 1
Views: 449

Re: Unemployment Insurance Questions

Hi everyone, I was laid off at the end of Nov. when I called to file my unemployment claim I was told they have no record of my employment with my previous employer. I was told they did not report my income to the Dept of Labor. My question is: isn't this illegal? Also, is there some penalty they w...
by ieee488
Sun Jan 04, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 680

Re: Chromebook dedicated to finances?

MossySF wrote:ChromeOS is the safest OS to use.

Where are you getting this info?

If Wikipedia is to be believed ChromeOS is based on Gentoo Linux kernel.
by ieee488
Sat Jan 03, 2015 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3822
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