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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: 274

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: 2745

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: 2253

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

placeholder wrote:
ieee488 wrote:If you do decide to do it, do NOT open the account online.
All sorts of hassle await you.

What specifically?

Identity verification.
by ieee488
Sat May 17, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Just got 13 1/3% APY from Chase Bank
Replies: 13
Views: 2253

Re: Options for prepaid mobile broadband

http://www.walmart.com/ip/Email-Delivery-Internet-on-the-Go-45/20903085 runs on Sprint network $45/3GB no expiration Verizon $60/3GB, $90/10GB FreedomPop NetZero This is 3G only. Also, the device itself appears to be out of stock. Not sure if this is available to new purchasers anymore. The data qu...
by ieee488
Sat May 17, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Options for prepaid mobile broadband
Replies: 8
Views: 590

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

Citibank had a smiliar $500 bonus when the Winter Olympics was on.
They did not require a direct deposit. Just $50,000.
by ieee488
Fri May 16, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just got 13 1/3% APY from Chase Bank
Replies: 13
Views: 2253

Re: Options for prepaid mobile broadband

http://www.walmart.com/ip/Email-Deliver ... 5/20903085
runs on Sprint network
$45/3GB no expiration

Verizon $60/3GB, $90/10GB

FreedomPop
NetZero
by ieee488
Fri May 16, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Options for prepaid mobile broadband
Replies: 8
Views: 590

Re: interviewing at same company for different job

I wanted to update that there is not update. HR in Massachusetts has not contacted me again. I am not sure why they are involved since the job is in NJ, and the NJ division has an HR person whom I dealt with during the most recent interview just a few months ago. I will try to contact the HR in MA o...
by ieee488
Fri May 16, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: interviewing at same company for different job
Replies: 19
Views: 1439

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

If you do decide to do it, do NOT open the account online.
All sorts of hassle await you.
My amount was $1,500 not the $15,000.
by ieee488
Fri May 16, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just got 13 1/3% APY from Chase Bank
Replies: 13
Views: 2253

interviewing at same company for different job

I have interviewed at CompanyA 3x in the past 10 years. They have the records to show it, and I was never selected any of the jobs. The most recent rejection just a few months ago. Interestingly enough, today I was contacted by HR from that company. This HR person is in MA not the HR person in NJ. I...
by ieee488
Wed May 14, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: interviewing at same company for different job
Replies: 19
Views: 1439

Re: Best way to sign a credit card?

linenfort wrote:What is the best way to put your signature on the back of a credit card so that it won't smudge? Do you use a specific type of pen? A Sharpie perhaps? Do you affix Scotch tape over it?

So far, I have never found a good solution.

I use an extra fine Sharpie. Works beautifully.
by ieee488
Sun Apr 20, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Best way to sign a credit card?
Replies: 72
Views: 6367

Re: Please critique my 300k portfolio

So, you have or will have $300K in stocks and bonds and another $200K in cash?

Any reason why so much in cash?
by ieee488
Sun Apr 20, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 12
Views: 2094

Re: payWave cards

Also, I will not use a debit card linked to my checking account for POS/Internet purchases I do not use a debit card either. I will not activate it if they send me one. If I have a choice, I decline it. I have one, I just won't use it. Most banks don't offer the choice of an ATM only card, but some...
by ieee488
Sun Apr 20, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 915

Re: payWave cards

Take the pointy end of the pen, covered by the cap (if it's a retractable pen, keep the tip inside). Then, simply press down with the pen directly over the area of the card which has the chip. You'll hear a very faint "tick" as the silicon chip cracks. Done. No muss, no fuss, and nobody c...
by ieee488
Sat Apr 19, 2014 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 915

Re: payWave cards

JoMoney wrote:Also, I will not use a debit card linked to my checking account for POS/Internet purchases

I do not use a debit card either. I will not activate it if they send me one.
If I have a choice, I decline it.
by ieee488
Sat Apr 19, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 915

Re: payWave cards

meebers wrote:Ok on the Utube video, wonder why he did not just drill a hole. :mrgreen: Tx.

I guess he didn't wan't to pull his drill and probably have to recharge the battery on it. :happy
Do what is needed with the simplest tool.
by ieee488
Sat Apr 19, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 915

Re: Paying 1/4 Estimates with "Rewards" Card

Anyone know if there are any cash back Credit/Debit Cards that will pay rewards on paying quarterly Tax estimates? Or any other like, similar strategy? "strategy" ? Go to Flyertalk. Plenty of "strategies" there. Another thread here about "strategies" was Locked a few d...
by ieee488
Sat Apr 19, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying 1/4 Estimates with "Rewards" Card
Replies: 4
Views: 500

Re: payWave cards

My credit union has issued me new cards after 2 incidents of possible fraudulent activity (Target etc) My latest card has a "feature" called payWave. Swipe it and be on your way so states the marketing brochure. I just don't feel comfortable with this new card, don't want to walk around w...
by ieee488
Sat Apr 19, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 915

Re: Portfolio cleanup - please help

Thank you for your response. I am curious to know why you chose Life Strategy fund over Retirement Target fund. Also curious to know what people on the board think of this article about increasing risk during retirement. http://www.forbes.com/sites/laurashin/2013/10/21/the-counterintuitive-investin...
by ieee488
Sat Apr 19, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Old Portfolio Mess 2 New Portolio Shine - please help
Replies: 22
Views: 2678

Re: ESPP Shares - What to do?

To answer the question of how one would have capital gains if selling immediately, I believe this is a scenario where that can happen: say company share price is $50 on Jan 1st. At the end of the offering period it has gone up to $75. My ESPP purchase price is based on a 15% discount on the lesser ...
by ieee488
Sat Apr 19, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1386

Re: Help select laptop

yukon50 wrote:OK, I will probably not get MS Office. What is a good target for memory, processor? Something that is adequate.

To me, the sweet spot now is between $350 and $400.
by ieee488
Sat Apr 19, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1721

Re: 401k investment advice

These
SpaceSashimi wrote:Vanguard Total International Stock Index Fund - Admiral Class Shares
Vanguard Total Bond Market Index Fund - Admiral Class
Vanguard 500 Index Fund - Admiral Class
Vanguard Extended Market Index Fund - Admiral Class
by ieee488
Fri Apr 18, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k investment advice
Replies: 5
Views: 564

Re: Portfolio Review--Is it time to open a taxable account?

2. If we do start taxable investing, is it best to simply open an account at Vanguard and buy Vanguard TSM (VTSAX), and then just increase the proportion of bonds in the i401k accounts to keep the planned AA? Yes, that is the idea. I don't have any experience with HSA, but they seem to be highly re...
by ieee488
Fri Apr 18, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review--Is it time to open a taxable account?
Replies: 2
Views: 708

Re: New member, unemployed, would like advice on portfolio

You should be able to get health insurance through Affordable Care Act.
I am currently doing just that. https://www.mahealthconnector.org/
by ieee488
Fri Apr 18, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member, unemployed, would like advice on portfolio
Replies: 8
Views: 1169

Re: Amazon.com prices change quickly

That's how the airlines do it.
And that is how Disney handles tickets for The Lion King on Broadway.
by ieee488
Fri Apr 18, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 6066

Re: Retirement Portfolio Advice

According to the Boglehead wiki, you can construct a nice 3-fund portfolio with Schwab.
Schwab Total Stock Market Index (SWTSX)
Schwab International Index (SWISX)
Schwab Total Bond Market (SWLBX)
by ieee488
Fri Apr 18, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice
Replies: 7
Views: 1142

Re: New member, unemployed, would like advice on portfolio

ieee488 Thanks for getting back. The ratios are BCSIX 1.28 DLFNX .76 DLTNX .73 LSBRX .92 TGEIX .83 Those expense ratios are high. Because these funds are in IRAs you can sell and buy Vanguard index funds. Many of us here are partial to the 3-fund portfolio. http://www.bogleheads.org/wiki/Three-fund...
by ieee488
Fri Apr 18, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member, unemployed, would like advice on portfolio
Replies: 8
Views: 1169

Re: 401k options

This is why I think the three fund portfolio is oversold on this forum. It's a decent starting point, yes, but not somehow magically better than any number of similar allocations. In this case the LIFEPATH funds look like the clear winners for cost and simplicity. They may be simple to own, but the...
by ieee488
Fri Apr 18, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k options
Replies: 5
Views: 444

Re: underemployed, debt, retirement advice please

You have not given us any numbers to work with.
I am not sure what we can do except to suggest cutting back expenses or taking a second job to boost income.

Edit: Do NOT. Do NOT. pay for a financial planner.
by ieee488
Fri Apr 18, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: underemployed, debt, retirement advice please
Replies: 3
Views: 715

Re: 29 Changing Jobs - Looking for Advice

2. Should I re-allocate the funds in my Roth IRA to an index fund like VTSAX Admiral shares?

You old 401K covers the total domestic stock market.
The Roth IRA can be used to balance out your asset allocation, and this will depend on which funds you choose in your new 401K.
by ieee488
Fri Apr 18, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1303

Re: New member, unemployed, would like advice on portfolio

What are the expense ratios for the following funds in your IRAs? They look to be candidates for switching over to index funds. BCSIX Brown Capital Mgmt Small Co DLFNX Doubleline Core Fixed Income DLTNX Doubleline Total Return Bond LSBRX Loomis Sayles Bond TGEIX TCW Emerging Markets Income I'll leav...
by ieee488
Fri Apr 18, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member, unemployed, would like advice on portfolio
Replies: 8
Views: 1169

Re: 29 Changing Jobs - Looking for Advice

Those student loan interest rates are high. Are you putting in extra effort to pay them down?

I would keep the old 401K.

There are three index funds in the new 401K that I would use.
by ieee488
Fri Apr 18, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 Changing Jobs - Looking for Advice
Replies: 13
Views: 1303

Re: Tried to get credit report - security questions don't ma

Edit: Equifax was the problem for me recently when I tried to open a Pentagon Federal CU account.

Turns out Equifax did not have my most recent address.
I was told that they are to be informed by the credit card companies about a new address.
Anyway, I was glad to get that fixed.
by ieee488
Fri Apr 18, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 8476

Re: time off for interview

Seems to me that it leaves a good impression on your future employer if you treat your current employer with respect. By that I mean, a decent future employer will understand and think favorably if you point out that you need to schedule your interview at a time that won't conflict with your curren...
by ieee488
Fri Apr 18, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 11
Views: 1391

Re: time off for interview

Thank you all for the advice.

I had mentioned to the new employer about an upcoming doctor's appointment.
I can used that time if the need arises and reschedule that appointment to after hours or a Saturday.
by ieee488
Fri Apr 18, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 11
Views: 1391

Re: ESPP Shares - What to do?

I did the ESPP purchase and immediate sell twice last year.

I would not risk $ to save on the difference between long-term capital gain and short-term capital.
You could end up losing all of your 15% discount easily.
by ieee488
Fri Apr 18, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1386

Re: New Investor Portfolio/Advice

I would split the $600 evenly between paying off the student loans and building up the emergency fund. Sounds good. Once I get my emergency fund to 7,500 (6 Months) should I put the $600 all towards the loans? Also, any recommendations for the 23k in savings? Thanks for the reply. I would definitel...
by ieee488
Thu Apr 17, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio/Advice
Replies: 6
Views: 456

Re: Use credit cards to pay rent: Amex Serve?

I argue that the miles game is an excellent hobby for someone interested in passive investing. It is a value added proposition that allows you to save (and invest) more of your own money. It is axiomatic that the single most important predictor of future wealth is a healthy savings percentage, and ...
by ieee488
Thu Apr 17, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 5644

time off for interview

I have been out of work for nearly seven months. So, today, I was very happy to accept a job, not in my field, which starts on Monday. Coincidentally, today, I receive an email from a hiring manager for a job in my field. From the email, he wants to talk on telephone first which is standard procedur...
by ieee488
Thu Apr 17, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 11
Views: 1391

Re: Help select laptop

OpenOffice is free and at least for me can totally replace MS Office. You can save files from OpenOffice to MS Office extensions that will be readable by MS Office. Microsoft Office can read OpenOffice files, but the reverse is not necessarily true. I have had some occasions where I had to use Micr...
by ieee488
Thu Apr 17, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1721

Re: Where are the Opportunities now ?

Previous post about your portfolio with some very excellent answers.
viewtopic.php?f=1&t=97616&p=1410429

Any reason why the hunt for "opportunities"?
by ieee488
Thu Apr 17, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3563

Re: New Investor Portfolio/Advice

What are all the choices for the SIMPLE-IRA (include expense ratios)?

$5K emergency fund is how many months of expenses?

I would split the $600 evenly between paying off the student loans and building up the emergency fund.
by ieee488
Thu Apr 17, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio/Advice
Replies: 6
Views: 456

Re: Draft email to investment advisor re outperforming Total

I am not sure why you are bothering with this?
by ieee488
Thu Apr 17, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 24
Views: 2900

Re: New Amex EveryDay credit card

The only good thing about it is the bonus rewards. However, it isn't a statement credit. Giftcards with AE gift cards being one.
Otherwise, 2x for groceries.

Being that it is American Express, I tossed it.
by ieee488
Wed Apr 16, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: New Amex EveryDay credit card
Replies: 7
Views: 1567

Re: what should I do with my whole life policy

Also, it is a gift from your parents. The human element is extremely important in family finances. LOL, yes, the insurance policy looks so nice on the dresser right beside his dad's old Rolex. You make a point. That said, I value all gifts given to me by my parents, simply because I love them, resp...
by ieee488
Wed Apr 16, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: what should I do with my whole life policy
Replies: 24
Views: 2445

Re: I don't understand whether there are costs to rebalancin

I re-balance using my tax-deferred accouts thus no tax-consequences.
by ieee488
Wed Apr 16, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't understand whether there are costs to rebalancing
Replies: 16
Views: 1217

Re: Investment help

The Vanguard Target Retirement funds are very good because they adjust the asset allocation for you. Many here use the 3-fund portfolio for their investments. I do as well. http://www.bogleheads.org/wiki/Three-fund_portfolio So you can use a spreadsheet to help you do the math of what your asset all...
by ieee488
Wed Apr 16, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment help
Replies: 3
Views: 366

Re: Use credit cards to pay rent: Amex Serve?

Miles Dividend MD wrote:We are all better off when we share our knowledge openly and unreservedly.

Miles Dividend MD

[OT comments removed by admin LadyGeek]
by ieee488
Wed Apr 16, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 5644

Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need...
by ieee488
Tue Apr 15, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 5644

Re: Asset Allocation Assistance

If you want to stay with Schwab and want to utilize a 3-fund portfolio with Schwab, read http://www.bogleheads.org/wiki/Three-fu ... hree_funds
by ieee488
Tue Apr 15, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Assistance
Replies: 8
Views: 744
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