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Re: Amazon.com as a selling service

It was a computer. Wondering if I should continue selling on Amazon or just accept the fact of being ripped off as a seller. Just now I looked at some used laptops being sold, and the shipping price the buyer is expected to pay is stated very clearly. I find it hard to believe that it isn't the sam...
by ieee488
Sat Sep 20, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com as a selling service
Replies: 17
Views: 1759

Re: Amazon.com as a selling service

Tabulator wrote:I just sold an item on Amazon and got 6.49 in shipping credit. The shipping actually cost more than 17.00. (That is almost triple.) How do I make sure this never happens again in the future?

What was the item?

With books mail Media Mail.
by ieee488
Fri Sep 19, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com as a selling service
Replies: 17
Views: 1759

Re: Computer Backup & Restore - Old Machine to New

New prospective laptop will have Window7 (W7) 64-bit & old one has W7 with 32-bit ; I'm not sure if this is the way I should be looking at it , but it seems like I'd need to backup everything on the old machine but then restore everything except the old operating system, W7 32-bit ; in addition...
by ieee488
Fri Sep 19, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Computer Backup & Restore - Old Machine to New
Replies: 7
Views: 735

Re: Business Opportunity - Thoughts

I just got cold-called via email about joining AFLAC.

Not for me.
by ieee488
Fri Sep 19, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 440

Re: The Roosevelts, PBS special

Check Roku's PBS channel.
by ieee488
Mon Sep 15, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 90
Views: 6551

Re: New Laptop, need help

Thank you for the replys so far. We do have Windows XP, so Id say we are due for an upgrade. We don't need a ton of memory or speed, so go with a fairly lower end Dell? What are the better quality brands these days? Dell, HP, Lenovo? I am partial to Dells. You will find Windows 7 in their business-...
by ieee488
Mon Sep 15, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2161

Re: New Laptop, need help

I have refurbished Dell laptops that are closer to the 6-8 years range given their previous lives and their lives with me. :-) If you want Windows 7, you will have to order online. Windows 8.1 will be what you see in the stores. BSOD could just mean that you hard drive is toast. If it has XP on it, ...
by ieee488
Mon Sep 15, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2161

Re: AT&T mvno Airvoice or cricket wireless

Having just looked at using a phone abroad, if you have a GSM phone (with the removable SIM) all you need to do when abroad is to purchase a SIM there and put it in the phone. But don't you also have to take into consideration the frequency/band in use in the different countries? Most USA phones ar...
by ieee488
Mon Sep 15, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 800

Re: Need advice on which tablet to buy

I am very happy with my Noobis 7" tablet that I purchased from Staples about a month ago.
~$43 including tax
quad-core, Android Kit Kat 4.4

Works great for me at work for checking my personal email and Facebook, Twitter, CNN, etc.

It is paired with a mobile hotspot device.
by ieee488
Mon Sep 15, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2557

Re: which apps for Windows 8 phone?

Firstly, I would update it to Windows 8.1. Download the Program for Developers app , then update. There is a major difference between 8 and 8.1. You did not mention what kind of phone you purchased. I have a Nokia Icon/Nokia 930. My previous phone was an Android which I at best was ambivalent about...
by ieee488
Sun Sep 14, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: which apps for Windows 8 phone?
Replies: 6
Views: 407

Re: which apps for Windows 8 phone?

Yes, planning to use it on wifi at home and away. Looking for interesting apps especially those specific to Windows phone. Purchased for $19 + tax. Since I am a programmer, I could learn to write apps for it. One thing I found interesting is that it has a HERE app which knows where the phone's locat...
by ieee488
Sun Sep 14, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: which apps for Windows 8 phone?
Replies: 6
Views: 407

which apps for Windows 8 phone?

I just purchased a Windows 8 phone from metroPCS on a whim.
I don't plan on activating the phone.

Now that I have this smartphone, I am not sure what to use it for.
I am surprised about the lack of apps compared to the Android world.
by ieee488
Sun Sep 14, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: which apps for Windows 8 phone?
Replies: 6
Views: 407

Re: invest in this 401K or not

Why are you freaking out about $54 a year in fees? The real concern is: Participant MA Morningstar(MS) Fee* 13.00 bps Advice Track Fees Annually charged monthly Participant MA Wells Fargo(WF) Fee* 50.00 bps Advice Track Fees Annually charged monthly Do you know if you are paying these? Also in your...
by ieee488
Fri Sep 12, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: invest in this 401K or not

Expense ratios for funds as offered in a 401k are often different than the expense ratios charged for the same funds when offered elsewhere. Sometimes the ERs in the 401k are higher, sometimes lower. So it's essential to know the ERs as offered in the 401k. Since the ERs for the Vanguard funds in y...
by ieee488
Fri Sep 12, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: invest in this 401K or not

I was saving my time and believing that people would actually believe me that the Vanguard index funds have the same low ERs as they should. WRONG! My question is whether the $4.50 trustees fee that was assessed in August even when investing in the low ER Vanguard index funds still makes this worth...
by ieee488
Thu Sep 11, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: invest in this 401K or not

I was saving my time and believing that people would actually believe me that the Vanguard index funds have the same low ERs as they should. WRONG! My question is whether the $4.50 trustees fee that was assessed in August even when investing in the low ER Vanguard index funds still makes this worthw...
by ieee488
Thu Sep 11, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: invest in this 401K or not

I have maxed out my Roth IRA for 2014. I currently work at a contract job. The 401K fees appear to be outrageous. I paid $4.50 for the month of August. There is no company match. I talked about this previously. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=146456 What are my other options...
by ieee488
Thu Sep 11, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: Reliable Portable CD Player Needed

I own a Sony-DEJ011-Walkman-D-EJ011-Player that works fine but to replace it costs about $125.00 which seems Really expensive. http://www.amazon.com/Sony-DEJ011-Walkman-D-EJ011-Player/dp/B000MVJ1M0/ref=sr_1_1?s=electronics&ie=UTF8&qid=1410398106&sr=1-1&keywords=sony+walkman+cd+playe...
by ieee488
Wed Sep 10, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1403

Re: invest in this 401K or not

I have maxed out my Roth IRA for 2014. I currently work at a contract job. The 401K fees appear to be outrageous. I paid $4.50 for the month of August. There is no company match. I talked about this previously. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=146456 What are my other options...
by ieee488
Wed Sep 10, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: $15,000 to invest and generate income

Hi all, I have $15,000 just sitting in a savings account and I would like to invest it to generate some income out of it. I will need to have the money available for cash in in about 15 months. Any advise you can provide would be greatly appreciated! Use http://www.depositaccounts.com to compare Yo...
by ieee488
Wed Sep 10, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: $15,000 to invest and generate income
Replies: 8
Views: 1292

Re: Is there a low cost cell phone plan, limited minutes?

I like the T-Mobile TOGO prepaid. It's no longer the screaming deal it once was, but even so. It's $3/month for your first 30 minutes, then 10¢ /minute after. That's $10/month if you use all 100 minutes. No overage charges. Taxes included. Can you have the $3 account on autopay? I hate the hassle o...
by ieee488
Wed Sep 10, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 66
Views: 4170

Re: Cell Phone Plans

I have found that I don't like the small screen of a smartphone for data access. I am sticking with pre-paid T-mobile $100/1000 minutes/365 days. To go with the minutes, I would use a mobile broadband wifi hotspot. Currently on AT&T $25/1.5GB plan. It is so much easier on my eyes viewing Faceboo...
by ieee488
Wed Sep 10, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 12
Views: 937

Re: invest in this 401K or not

I am putting in the max of 20% and will continue to do so for the future. Looked through the entire Wells Fargo website about the 401K and cannot find anything regarding administration fees. The only thing I found was in the SPD, and it says Participant Accounts will be charged for a share of the Pl...
by ieee488
Wed Sep 10, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: invest in this 401K or not

I only started working at this contract job in late June. I had no income for the last 3 months of 2013 and for the first 4 months of 2014. This job was suppose to be for 2 months only, but it has gone beyond that. However, I am not certain how much longer I will be here. If I remain here until the ...
by ieee488
Wed Sep 10, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

invest in this 401K or not

I have maxed out my Roth IRA for 2014. I currently work at a contract job. The 401K fees appear to be outrageous. I paid $4.50 [trustee fees] for the month of August. There is no company match. I talked about this previously. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=146456 What are my...
by ieee488
Wed Sep 10, 2014 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: invest in this 401K or not
Replies: 22
Views: 1057

Re: Land line for renter in S Florida

Who is the local phone company? Is it really AT&T? Why not get a basic lifeline phone for all year-round? Should be less than $10 a month. Then charge her for any extra usage which is something like 50 cents a minute. Basic landline cost isn't what it used to be. Here in NJ, I pay $16.45 for a ...
by ieee488
Tue Sep 09, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1089

Re: When do you have too many credit cards?

I have more than five credit cards but mainly use Chase : 5x gas 1st and 3rd quarters, Amazon 4th quarter Bank of America: 3x gas 2nd and 4th quarters; 2% groceries Barclays: 2x utilities = Verizon landline and Comcast cable+internet; 2% Walmart, Target, CVS (prescriptions) Citibank: 2x dining and e...
by ieee488
Tue Sep 09, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you have too many credit cards?
Replies: 16
Views: 1362

Re: How am I doing? 4-fund portfolio

Age: 30 Vanguard SEP-IRA Vanguard Total Stock Market Index Fund Admiral Shares - 62.8% Vanguard Total International Stock Index Fund Admiral Shares - 27.0% Vanguard Total Bond Market II Index Fund Admiral Shares - 8.2% Vanguard Total International Bond Index Fund - 2% I basically just mirror the Li...
by ieee488
Tue Sep 09, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing? 4-fund portfolio
Replies: 1
Views: 335

Re: Portfolio and a Path Forward

I have most of my portfolio with Vanguard.

I am reconsidering that and thinking about moving some of the assets to Fidelity's Spartan funds.
by ieee488
Tue Sep 09, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio and a Path Forward
Replies: 3
Views: 479

Re: rebalancing spreadsheet

For me:

Code: Select all
Fund Family #1
     fund #1
     fund #2
     ...
Fund Family #2
     fund #1
     fund #2
     ...
Bank #1
Bank #2
    ...
    (CDs and money market funds go here)
401K
     fund #1
     ...
by ieee488
Tue Sep 09, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing spreadsheet
Replies: 11
Views: 776

Re: Land line for renter in S Florida

Who is the local phone company? Is it really AT&T? Why not get a basic lifeline phone for all year-round? Should be less than $10 a month. Then charge her for any extra usage which is something like 50 cents a minute. Basic landline cost isn't what it used to be. Here in NJ, I pay $16.45 for a ...
by ieee488
Tue Sep 09, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1089

Re: Needing help with a Vanguard 401k

RCL wrote:Guess I'll have to check out Fido since they can do a complete change over of an active 401k account.


Huh?
by ieee488
Tue Sep 09, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Needing help with a Vanguard 401k
Replies: 23
Views: 1449

Re: Giftcards

Before selling on websites, beware of fraud.

Depending on the business, wait until Christmas and then maybe give the giftcards for wish tree wishes.
by ieee488
Mon Sep 08, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1208

Re: 401K fees administered by WellsFargo

I called up Wells Fargo today and got no clear answer. The SPD only said that some of the expenses are shared. For the 3 weeks in the month of August that I made contributions, I received $0.69 in earnings and paid $4.50 in trustees/custodian fees. Rather ridiculous. I am beginning to wonder whether...
by ieee488
Mon Sep 08, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K fees administered by WellsFargo
Replies: 4
Views: 591

Re: Helping Mother In-Law With Retirement Planning

$5000 a month in expenses is quite substantial.
My mother is retired.
She is able to get by quite nicely on $2000 a month.

Where is the $5000 going?
by ieee488
Mon Sep 08, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Mother In-Law With Retirement Planning
Replies: 36
Views: 2041

Re: 401K at WellsFargo fees

Thank you for the link to Brightscope. I had forgotten about it. The 401K is administered by Wells Fargo. I have changed the subject line. It looks like the plan rated by Brightscope is the one for internal employees, since the administrator listed is Bank of America Merrill Lynch. I am an external ...
by ieee488
Mon Sep 08, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K fees administered by WellsFargo
Replies: 4
Views: 591

401K fees administered by WellsFargo

My employer uses WellsFargo as 401K administrator. The following is the list of fees. Am I correct in surmising that the employer is paying nothing? And I as the employee is paying all the administrative fees? Participant 59 1/2 DIST. $20.00 Drawdown Fees Each Participant Florida Stamp Tax 0.35% Sta...
by ieee488
Sun Sep 07, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K fees administered by WellsFargo
Replies: 4
Views: 591

Re: Vanguard Healthcare Fund [Portfolio help]

I wouldn't.

I don't see how purchasing healthcare fund is "diversifation".
by ieee488
Fri Sep 05, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 949

Re: looking for advice on 401K funds/contributions

VBTIX (Vanguard Total Bond Market Index I) VGSNX (Vanguard REIT Index I) VTSNX (Vanguard Total Intl Stock Index I) VIGIX (Vanguard Growth Index I) = 25% VINIX (Vanguard Institutional Index I) VIEIX (Vanguard Extended Market Idx I) VSGIX (Vanguard Small-Cap Growth Index Fund Institutiona...
by ieee488
Fri Sep 05, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking for advice on 401K funds/contributions
Replies: 5
Views: 385

Re: Help with Assessing Trust Investment choices

% of total funds Expense Ratio Roth: Vanguard Healthcare Fund Admiral Shares VGHAX 21.48% 0.30% Vanguard Total Stock Market Index Fund Admiral Shares VTSAX 19.04% 0.05% Vanguard Capital Opportunity Fund Investor Shares VHCOX 16.35% 0.48% Roth: Vanguard Primecap Core Fund Investor Shares VPCCX 12.02...
by ieee488
Fri Sep 05, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Assessing Trust Investment choices
Replies: 6
Views: 419

Re: How do you keep your electricity bill low?

79oF in the summer
68oF in the winter
by ieee488
Thu Sep 04, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9171

Re: Costco:is it worth it for just two people?

I found that I have stopped going to Costco simply because it takes us way too long to get in and out and my time is valuable. Instead, I send my shopping list to my in laws who are able to go during work hours :D Agreed. My wife and I were pondering joining as well, so we went with some neighbors ...
by ieee488
Tue Sep 02, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11046

Re: When did you downsize?

ieee488, I didn't want to get too graphic, but I wonder how many folks understand that "modern" multi-family residences (read:condos) have conjoined bathrooms. Stated another way, your bathroom directly adjoins "their" bathroom. And you can hear each bodily function. Don't get m...
by ieee488
Sun Aug 17, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3283

Re: When did you downsize?

The thought of moving to a place with even the possibility of hearing (much less seeing) one's neighbors makes me shudder. My thoughts exactly. Before I moved into my house now, I lived in an apartment where I could hear the next door neighbor opening and closing their kitchen cabinets. Even worse ...
by ieee488
Sat Aug 16, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3283

Re: 2 devices, 1 Virgin Mobile Broadband2Go account ?

Thank you for all that great information about Virgin Mobile. I managed to get someone at VM's technical support, and he me what you did - not possible. This mifi device is a 3G model only as is the USB device probably. This is kind of an experiment. I also have bids on both 3G and 4G AT&T mifi ...
by ieee488
Sat Aug 16, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: 2 devices, 1 Virgin Mobile Broadband2Go account ?
Replies: 2
Views: 258

2 devices, 1 Virgin Mobile Broadband2Go account ?

Has anyone tried sharing two devices on one Virgin Mobile Broadband account?

I just purchased a mifi hotspot device and a USB device on eBay.

Would like to use both on the $25 1.5GB plan.
by ieee488
Sat Aug 16, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: 2 devices, 1 Virgin Mobile Broadband2Go account ?
Replies: 2
Views: 258

medical insurance as contract employee

Since I was unemployed at the end of 2013, I signed up for medical insurance through HealthCare.gov I was on COBRA for Oct - Dec 2013. For the past month, I have been working at a contract job through Aerotek. Aerotek offers medical insurance. Will I lose the credit that I am receiving on the medica...
by ieee488
Mon Jul 21, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: medical insurance as contract employee
Replies: 1
Views: 280

Re: Taking a leave of absence for one year

But returning to work isn't as big of a deal as people think. I think people who don't encounter any difficulties tend to pooh-pooh the real potential for problems. Just because you didn't encounter issues does not mean there won't be for others. Perhaps you were just lucky. Trying taking leaves wh...
by ieee488
Sat May 17, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 2845

Re: Just got 13 1/3% APY from Chase Bank

Identity verification. I guess you're going for the "less is more" style of posting so I still don't know if you mean opening accounts in general (not my experience) or specifically that bank or what. Why would I be posting about another bank in a Chase thread? As with all things, your mi...
by ieee488
Sat May 17, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just got 13 1/3% APY from Chase Bank
Replies: 13
Views: 2276
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