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Re: LASTPASS Password Program

I use 1Password, which stays local on my computer. I type in my master password and can then unlock all of my usernames and passwords. Does someone have to login to LASTPASS in order to have access to their passwords, or is it a local software too? And if anyone knows any pros or cons to 1Password, ...
by js2012
Sat Oct 25, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4518

Re: Apple Pay, Google Wallet, credit, and us

If I'm close to another register, can I accidentally pay for someone else's purchase with my iPhone? Does anyone know how this would work with refunds since there isn't a paper copy?
by js2012
Sat Oct 25, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8555

Re: T Mobile Free 200MB Data Per Month Global iPads

I think they throttle you after 200 MB, not turn it off, which is great. I got in on the promotion to get a free gig on top of the 200 MB until the end of 2014. I really don't use the iPad too much, but it's very convenient.
by js2012
Wed Oct 15, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: T Mobile Free 200MB Data Per Month Global iPads
Replies: 15
Views: 1459

Purchasing a new mattress

My lower back pain has gotten progressively worse the past three years and it recently dawned on me that it may just be my mattress that is the same age. I have an all wool futon mattress sitting on a platform. I bought the mattress because it is eco-friendly (all organic wool), but I think over the...
by js2012
Sun Sep 21, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Purchasing a new mattress
Replies: 5
Views: 579

Re: NYC [Visit to New York City]

I don't know if the operas are open yet, but I saw Madame Butterfly at the Met a few years ago and loved it. Two years ago, I saw ballet and really enjoyed that as well. If you go to the bottom of the Brooklyn Bridge, there is ferry service that makes multiple stops up and down Brooklyn. So, if you ...
by js2012
Sat Aug 30, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2230

Re: 401K for school

Correct me if I'm wrong or misunderstanding, but she has to leave the company before she can roll it into an IRA, right? Does she plan on continuing to work part-time while in school? If yes, she may not be able to roll it into an IRA and then take out the funds.
by js2012
Sat Aug 30, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K for school
Replies: 10
Views: 578

Re: Pressure Cookers?

by js2012
Wed Aug 20, 2014 6:57 am
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3444

Re: Girls gymnastics: what to expect

I haven't read all the responses but want to chime in with some more information about swimming. I am 34 and am still a competitive swimmer. It was the greatest gift my parents gave me. Of course, I liked to do it which makes a huge difference, but I really started it because my friends were doing i...
by js2012
Tue Aug 19, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2547

Re: Pressure Cookers?

@nisiparius, You do have to be careful cooking some items like beans and rice which may foam, thus blocking the valve. However, the solution to that is to add some oil to your pot, which helps to prevent foaming. Someone above mentioned the newer models allowing water into the pot when it's placed u...
by js2012
Tue Aug 19, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3444

Re: Pressure Cookers?

I have a Rikon Kuhn (sp) that is amazing. It truly was a game changer for me. Risotto and polenta are a cinch to make and really delicious. It speeds up cooking time and preserves all of the wonderful flavors of the food. I make corn on the cob, rice, lentil soups, and beans in mine and there are lo...
by js2012
Sat Aug 16, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3444

Re: Using a Roth IRA instead of a 529

Thank you for the advice. I'm not putting a lot in there ($50/month), but I'm concerned because my sister didn't start a fund for her and she's horrible with money. My father started a savings account for the niece and is doing $50/month. I am concerned with my retirement and really struggled with s...
by js2012
Fri Aug 08, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 300

Using a Roth IRA instead of a 529

My sister had a baby last year and I started a savings account to put away some money for college. Currently, I'm not maxing my ROTH or 403b and I have a Target Retirement Account for my Roth with Vanguard. I'm considering opening another "Roth" at Vanguard to keep the money separate from ...
by js2012
Fri Aug 08, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 300

Re: How often do you replace bath towels?

I just happened to be looking into buying some new ones and came across L.L. Bean's Textured Cotton Towels (essentially Turkish towels). They are supposed to dry much faster than regular towels and be more absorbent. Of course, they aren't cheap, either. Does anyone own these particular towels or ca...
by js2012
Thu Aug 07, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 4140

Kitchen Aid Folks - I need your help!

I'm going to look at a used Kitchen Aid Artisan tomorrow afternoon. It's $150 and the seller said it's barely used. What should I be looking out for to make sure it's in good working condition? I've never even touched one before but have wanted one for a long time.
Thank you!
Jen
by js2012
Fri Aug 01, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Aid Folks - I need your help!
Replies: 7
Views: 843

ESA vs. 529 College Savings Plan

I'd like to open an account for my niece who lives in another state. Just socking away money for the last has put me at about $800 and I'd like to invest it for the next 17 years and hopefully it will grow much faster. Here's my question. What if she doesn't go to school? My understanding of the ESA...
by js2012
Thu Jul 31, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: ESA vs. 529 College Savings Plan
Replies: 2
Views: 380

Re: Getting toddler to brush their teeth

I don't have kids but just a thought. As someone mentioned before, it's probably not about the brushing at this point. How about taking her to the dentist? She can get a little exam from the dentist and maybe he/she can "educate" her. She might be more receptive from another party.
by js2012
Fri Jul 04, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 2818

Adjusting w4

I looked at some of the past threads which I found very helpful, but I'm still a little stuck. For the past 3-4 years, my federal tax refund has been about $2000. To me, this is a large refund. So, I went to the irs calculator and input my information. I hope I put the right information in and it to...
by js2012
Wed Feb 19, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusting w4
Replies: 1
Views: 242

Re: Do you balance your checking account?

I also balance my checking account everyday with YNAB, not a paper register. I know to the second how much is in my account anywhere I go because the software syncs to my phone.
by js2012
Mon Feb 17, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5511

Re: Best Non-Stick Pan or Skillet

Cast iron! It's amazing how little oil you can get away with when you cook with a well-seasoned cast iron (I also adore my enamel Creset pans). Oil does not equal bad. Just a little dab imparts wonderful flavor, help with nonstick, and the right oil is healthy. I would rather reduce my oil intake th...
by js2012
Mon Feb 17, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Best Non-Stick Pan or Skillet
Replies: 52
Views: 6944

Re: Filed my tax return on my own - one last question

Yes, I know that "accepted" doesn't mean I won't get audited. My last question: What is the purpose of "archiving" my return with TaxAct? I printed and saved a pdf version. Has anyone who used TaxAct used this service? What is the benefit? I know it's only $6.99, but I'm more int...
by js2012
Sat Feb 15, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 936

Filed my tax return on my own - one last question

This is the first time I have ever done my own tax return and I'm still nervous after pressing the submit button about 15 minutes ago. I hope all is well and I don't get audited. I don't know why I don't feel very confident about this, maybe because my friend who used to do her own tax returns forgo...
by js2012
Sat Feb 15, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 936

Re: Tax Return Question [1099-B]

Thank you damjam,

I took it out since it was being taxed because TaxAct didn't know how to handle it. So far, I think I'm all set. Just hesitant to press the send button.
by js2012
Fri Feb 14, 2014 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 663

Re: Tax Return Question [1099-B]

You guys are the best. Thank you so much. So I wasn't wrong by following the software which makes me feel a lot better. Going through it alone and knowing nothing is incredibly scary but it's been an education. Before I did my taxes, I didn't know what a standard deduction even was! The software is ...
by js2012
Fri Feb 14, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 663

Re: Tax Return Question [1099-B]

Yes, box 3 has no cost basis in it. I did choose E after thinking about it (glad to have it confirmed here), but I read the examples of how to figure out cost basis on Bogleheads and the internet and it has some split math that I just couldn't get. This was my first and only stock purchase and my la...
by js2012
Fri Feb 14, 2014 3:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 663

Tax Return Question [1099-B]

I hope this is my last question. I'm trying to input my 1099B on TaxAct. I plan on upgrading to the ultimate bundle or whatever since it says I need it. In 1998 I bought one share of Dell stock at its peak (the principal was 109, a 10.98 charge was applied and an H/P/I of 2.35 was added for a total ...
by js2012
Thu Feb 13, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 663

Re: Need a new all in one printer

Personally, I have a Brother and will never buy another one again. I bought it from a recommendation from a friend and I can't stand it. My top gripe is the fact that it will turn on at three in the morning (or some ungodly time) and clean the print heads. I've looked to see about changing the setti...
by js2012
Tue Feb 11, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2893

Re: Dave Ramsey's voice is in my head...

I suggest you look at "you need a budget" software. I've been using it over a year. It works very similar to mint however, it's a lot more intuitive, in my opinion. The other thing I like about it is that you can sync between your smartphone and computer. It also helps put aside money for ...
by js2012
Tue Feb 11, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...
Replies: 70
Views: 7839

Re: Simple tax questions (I hope)

thanks pshonore, I remember him asking if I donated money/clothes. I do have a receipt for donated clothing but it has no value written down so maybe we estimated that to be $500? So, I will not claim a charity contribution this year since I don't have any receipts. I'll wait til next year to add th...
by js2012
Tue Feb 11, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple tax questions (I hope)
Replies: 6
Views: 678

Simple tax questions (I hope)

1. I know this question is probably very silly to some because it's probably incredibly obvious, but I served jury duty for one day in December and received the check two weeks ago. I'm thinking this is a 2014 income, right? First time using software to do my own taxes. I've paid someone in the past...
by js2012
Tue Feb 11, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple tax questions (I hope)
Replies: 6
Views: 678

Re: Freezing Credit - Should I?

Thank you all for the information. I think I'm going to get a P.O box next week. I sold a small ibond last year and the bank claims they sent me a statement on 1/31 which I haven't gotten yet. This along with the snafu in the other statement has got me pretty stressed out. I''ve been monitoring my c...
by js2012
Mon Feb 10, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2196

Re: Freezing Credit - Should I?

Free? I've been doing some research and it said it's $10 or something like that. Did you contact all three bureaus?

Thanks for the information.
by js2012
Thu Feb 06, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2196

Freezing Credit - Should I?

I temped at a company over the summer and they told me my W2 was mailed last week. Still not here. I live in NYC and my mailbox, although not on a busy street on the sidewalk is unlocked and only a few feet from the sidewalk. I'm getting a little scared that someone may have taken this and started f...
by js2012
Thu Feb 06, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2196

Re: Deducting Tax preparation

THe only thing I did was roll my Roth from Merrill Lynch to another firm, but the amount is off by about $500. This must be it, and I am happy that it didn't add any income. Now I have to dig around and see where the exact amount came from. I went to the irs website and it only referenced distributi...
by js2012
Mon Feb 03, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 677

Re: Deducting Tax preparation

Yes, union dues, I forgot those! I am soo thankful to everyone for answering. Here's a question that i can't find the answer to on the IRS website. For line 16a on my 1040, he wrote down an amount for pensions and annuities (this is under the income area). I didn't receive any money for that. Howeve...
by js2012
Mon Feb 03, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 677

Deducting Tax preparation

This is my first year doing my taxes online with software. I started two accounts to see which I like better. Turbotax is allowing me to deduct the cost of my tax preparation from last year when I paid an accountant but I'm not seeing that show up with taxact. Is this legit or did I somehow push a b...
by js2012
Mon Feb 03, 2014 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deducting Tax preparation
Replies: 14
Views: 677

Doing my taxes the first time - very confused

I'm trying to do my taxes on Turbotax without using an accountant this year. So far, I don't think this is working out. 1. On my W2, I have three things in box 14 (Other). In the program it gives some options as to what this could be. The first is IRC414H. The problem is the program lists two NY-IRC...
by js2012
Sat Feb 01, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes the first time - very confused
Replies: 15
Views: 1444

Re: Visiting NYC (New York City)

+1 on the High Line. Brooklyn Bridge is a nice walk if the weather is good. If you walk over from manhattan, check out the Brooklyn Bridge Park which was extended and goes along the East River. Take a ferry from Brooklyn Bridge Park up to Williamsburg. If it's nice out, walk around and check out the...
by js2012
Sat Feb 01, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Visiting NYC (New York City)
Replies: 31
Views: 1669

Re: 403(b) non-ERISA. Should i be concerned?

Thank you may001, Trying to find information on the tda website for my plan is virtually impossible. I don't know why this information isn't just clearly stated somewhere. Furthermore, in talking to other teachers, no one has ever mentioned this. I guess it's a good thing since people would probably...
by js2012
Wed Jan 29, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403(b) non-ERISA. Should i be concerned?
Replies: 3
Views: 465

Re: Low Income Budget

I think you should also hold back on tithing for awhile. How about putting it in savings for a year so you have cash on hand in case of an emergency? After one year, you'll have $600, I would then think about taking some of that and maybe tithing half if you really feel the need to. I think the goal...
by js2012
Wed Jan 29, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 4981

403(b) non-ERISA. Should i be concerned?

I'm still learning all things finance and retirement. Somehow I stumbled upon someone's post on another site about bankruptcy protection and ERISA with 401k accounts. I'm nowhere near bankruptcy and don't think this will ever be an issue but it piqued my interest for my 403b account. My retirement w...
by js2012
Wed Jan 29, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: 403(b) non-ERISA. Should i be concerned?
Replies: 3
Views: 465

Re: Student loans

That's a good point Rubisa. I'm thinking I might do that instead. I definitely feeling like I would like to move out of the classroom and am still considering what that would look like.

Thanks for the food for thought.
by js2012
Wed Jan 29, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 13
Views: 1258

Re: Student loans

Because the loan rate is less than what I'm getting on my 403b. Unless I'm missing something here.

It would take me years to save the money to pay upfront.
by js2012
Tue Jan 28, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 13
Views: 1258

Student loans

I'd like to go back to school for a masters degree. Yikes! I think the best thing for me would be to take out student loans to fund it. Since these will be unsubsidized loans, I'd like to start throwing some money at the loan while I"m still taking classes. I think it will cost $20,000 a year f...
by js2012
Tue Jan 28, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 13
Views: 1258

Re: Creating a Budget

I don't remember every. single. time. I ate out in the month. I don't spend $50 when I go out to eat. I am rarely home so I tend to pick up a coffee and croissant in the morning, maybe later in the day I stop and grab a sandwich or I go home and eat. It's frequent for me but they tend to be smaller ...
by js2012
Sun Jan 19, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 38
Views: 2768

Re: Creating a Budget

I budget. I use a software called "You need a budget" I set up my accounts, allocate money to my categories and update when I purchase things. There is a mobile app that allows me to enter my transactions while on the go. It takes 30 seconds to do this. When I want to buy something like cl...
by js2012
Sun Jan 19, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 38
Views: 2768

Re: First time doing my own taxes

Thank you everyone for the feedback. I don't know what Pub 17 is but will google and find out. I'm still unsure what version I need, but it sounds like I can just go through the software and it will prompt me if I need to upgrade. I want to be able to understand the paper version and all but I don't...
by js2012
Sat Jan 04, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1745

Re: School District Not Allowing me To Invest

Teacher88, I'm also a Tier 4 teacher but down in NYC. I just want to say good luck! I would be annoyed if 5% were lumped off but try to dig a bit more and see if there's any way out of it or hopefully the union will be able to hash out a better option for everyone. In the meantime, Frontline did a w...
by js2012
Fri Jan 03, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 7354

First time doing my own taxes

I ran into the Turbotax thread and it piqued my interest. I've been going to an accountant for years now but decided after doing last year's taxes with him, that I would attempt it on my own this year. I have all of the old returns to help and my situation is pretty easy I think. I cashed in $40 wor...
by js2012
Fri Jan 03, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1745

Re: Renting with low income: A child as a cosigner?

Since it's only a couple of weeks, could you rent out both apartments for the last month?
by js2012
Fri Jan 03, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting with low income: A child as a cosigner?
Replies: 41
Views: 1295
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