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Re: Worth buying a smart phone if you already have one for w

My friend has a work provided phone with a data plan and chose to get the lowest cost smartphone from Republic Wireless along with the $10/month plan, which allows unlimited talk and text, but data only on WiFi. They also allow you to change plans twice per month so you can switch to one of their pl...
by mlipps
Sat Mar 28, 2015 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 25
Views: 1987

Re: Traveling WiFi

You might look into Freedom Pop if you'll be in a city. I've had my hotspot for 3 years now; device cost $100 but is free every month unless I don't use it, in which case there is an inactivity fee of $1. They run promos often for refurbished devices. The free plan is 500mb but you can add "fri...
by mlipps
Tue Mar 24, 2015 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2007

Re: 529 To Pay Rent to Parent

I think the dorms are likely to be much more expensive than rent. That was the case at my college & all the ones my friends attended that I'm aware of. Dorms are a ripoff.
by mlipps
Wed Mar 18, 2015 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 To Pay Rent to Parent
Replies: 7
Views: 679

Re: 1095-A mistake (No SLCSP)

Your 1095-A does not have a mistake. This is normal since you didn't take the tax credit. See here for evidence: https://www.healthcare.gov/taxes/tools/ Click the link that says "See if you need to use this tool to find your second lowest cost Silver premium". "You didn’t apply for fi...
by mlipps
Mon Mar 16, 2015 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1095-A mistake (No SLCSP)
Replies: 10
Views: 666

Re: Issue with TurboTax / rental property / mileage expense

I've never done a sch e but the vehicle wkt on the sch c requests at least some of that info, so its not terribly surprising. The make and model is a little weird but maybe there's a reason for it that someone else is aware of....
by mlipps
Sat Mar 14, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issue with TurboTax / rental property / mileage expense
Replies: 4
Views: 427

Re: Keurig-cup coffee makers - why?

If cost is your measure a Keurig machine is not for you, if on the other hand you are willing to spend $200 - $300 on a machine to get coffee that tastes like it came out of a $3000 machine then it may be for you. And yet it still won't taste as good as properly prepared fresh coffee from a $20 fre...
by mlipps
Mon Mar 09, 2015 8:05 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12334

Re: High Cost of Fruits and Vegetables

My local Aldi has REALLY stepped up their produce game and has crazy good prices. They also now have some organics. I believe the organic 10 oz. spinach/baby kale/arugala box is $2.50 or $3. They also have organic tomatoes, avocadoes, and bananas, but I've never checked the prices. The last few wee...
by mlipps
Mon Mar 09, 2015 8:02 am
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7008

Re: High Cost of Fruits and Vegetables

My local Aldi has REALLY stepped up their produce game and has crazy good prices. They also now have some organics. I believe the organic 10 oz. spinach/baby kale/arugala box is $2.50 or $3. They also have organic tomatoes, avocadoes, and bananas, but I've never checked the prices. The last few week...
by mlipps
Sun Mar 08, 2015 1:43 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7008

Re: Company Car & Personal Car?

You could see if an insurance company called Metro mile is in your state yet. They charge by the mile. That could cut the costs of your personal car even further.
by mlipps
Wed Mar 04, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Company Car & Personal Car?
Replies: 23
Views: 1138

Re: Where to get medallion signature guarantee

My local Chase did it as well. No bank accounts there, just CC accounts. It seemed to be a bit of manager discretion at play. I called and asked to speak to him directly & he was really kind & wanted to help me out.
by mlipps
Tue Mar 03, 2015 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 49
Views: 4257

Re: Taxation of NSF REU undergraduate research stipend

Zapped, it does not work that way. If you provided over 50% of the support, you are the only one eligible to claim the child. The child is not eligible to claim him or herself, regardless of whether or not you claim him or her or not. I don't mind being wrong, but please explain what you're saying ...
by mlipps
Tue Mar 03, 2015 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxation of NSF REU undergraduate research stipend
Replies: 12
Views: 1070

Re: Taxation of NSF REU undergraduate research stipend

Zapped, it does not work that way. If you provided over 50% of the support, you are the only one eligible to claim the child. The child is not eligible to claim him or herself, regardless of whether or not you claim him or her or not.
by mlipps
Mon Mar 02, 2015 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxation of NSF REU undergraduate research stipend
Replies: 12
Views: 1070

Re: Thinking of getting a Masters in I/O Psychology

I'm in a data science masters. I am very happy with my experience. My school records in class lectures and posts them for the online students, so all the courses are available in either mode. PM me and I am happy to share more details. I don't have any schools nearby that offer this program but one...
by mlipps
Fri Feb 27, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1369

Re: How does one increase their typing speed and accuracy?

When I was in 5th grade I had this super fun game called "Jump Start Typing". You did things like rock climbing, soccer, etc, using typing. As you got better at certain letters, it would progressively add more, or add tricky combinations. I played it relentlessly for about a month, and eve...
by mlipps
Thu Feb 26, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4034

Re: Thinking of getting a Masters in I/O Psychology

I'm in a data science masters. I am very happy with my experience. My school records in class lectures and posts them for the online students, so all the courses are available in either mode. PM me and I am happy to share more details.
by mlipps
Thu Feb 26, 2015 11:52 am
 
Forum: Personal Consumer Issues
Topic: Thinking of getting a Masters in I/O Psychology
Replies: 20
Views: 1369

Re: help me buy a tablet

I got an 8 inch Samsung tab pro for $200 on black Friday. It's comparable to their more popular 8 inch tablet (can't think of the name right now) but much cheaper because it hasn't sold as well. I'm very happy with the choice I made and the cost. I would never pay $500 for a tablet, personally.
by mlipps
Thu Feb 19, 2015 4:30 pm
 
Forum: Personal Consumer Issues
Topic: help me buy a tablet
Replies: 15
Views: 814

Re: Preparing for 2 months incommunicado

USPS mail hold, at least at my post office, doesn't work. I've tried it twice when I went on two week vacations & both times came back to an overflowing mailbox. Then, a couple of days after I return, I get the automated email from USPS that my mail hold is expiring and my held mail will be del...
by mlipps
Mon Feb 16, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Preparing for 2 months incommunicado

USPS mail hold, at least at my post office, doesn't work. I've tried it twice when I went on two week vacations & both times came back to an overflowing mailbox. Then, a couple of days after I return, I get the automated email from USPS that my mail hold is expiring and my held mail will be deli...
by mlipps
Mon Feb 16, 2015 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: Budget for family of 4

One thing to think about when budgeting for college costs is the tax credits available for you. If this is your first college degree, you will be eligible for the American Opportunity Credit. That is up to $2500 back in tax credits ($1000 refundable, $1500 non-refundable) on the first $4k in expense...
by mlipps
Thu Feb 12, 2015 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget for family of 4
Replies: 24
Views: 3048

Re: Tax Return-403b Not vested? W2 Box 13 has nothing checke

Did you put money into the 403b or only your employer?
by mlipps
Thu Feb 12, 2015 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return-403b Not vested? W2 Box 13 has nothing checked
Replies: 8
Views: 367

Re: Switching electric companies--your thoughts?

Op, what state do you live in?
by mlipps
Wed Feb 11, 2015 12:51 am
 
Forum: Personal Consumer Issues
Topic: Switching electric companies--your thoughts?
Replies: 16
Views: 1273

Re: IRS warning on falsifying income

And where is the line for "falsifying" income as a self-employed person with highly variable income? Nobody at HC.gov's call center seems to know, they just tell you to call the IRS. The IRS doesn't know, they don't have any guidelines. If you put down that your expected income is $30k an...
by mlipps
Wed Feb 04, 2015 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS warning on falsifying income
Replies: 15
Views: 2964

Re: What to buy sweetie for Valentine's Day

If she's coming to visit you soon, could you plan some sort of special activity to do together while she is there? Couple's massage, nice dinner, cool excursion, cooking class etc? Then maybe write some kind of "clue" about what this surprise will be & have them put that on the card of...
by mlipps
Wed Feb 04, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5845

Re: Interview question...salary

Usually, the company broaches the topic of salary first - so I think they will think it's odd you are pushing it. If you don't think you will like the job - I'd view the second interview day as a networking opportunity. While the current job may or may not workout - it can't hurt to make some new c...
by mlipps
Tue Jan 27, 2015 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3745

Re: 40 years of IRA and 401k Contributions

My parents have been investing just $75/week in my dad's 401k since 1991. They have about $175k now. Small compared to many of your portfolios, but more than enough for their very modest lifestyle. I love to tell people that (I don't tell them it's my parents, just someone I know if I talk about it ...
by mlipps
Mon Jan 26, 2015 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: 40 years of IRA and 401k Contributions
Replies: 18
Views: 2329

Re: Keurig-cup coffee makers - why?

This was the "glass contraption" I was thinking about: http://www.casa.com/p/yama-northwest-glass-32-oz-cold-brew-drip-coffee-tea-maker-275359?site=CA&sku=YPC-002&utm_source=Google&utm_medium=cpc_C&utm_campaign=GooglePLA&utm_content=pla_with_promotion&ca_sku=YPC-00...
by mlipps
Fri Jan 23, 2015 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12334

Re: Best Book To Learn R Programming

You could also take a look at The Art of R Programming... I am not an R user, but it pops up on my recommended book reading list on Amazon all the time and has very good reviews. I have this one and its a bit brief. I also own R for Everyone, I would recommend it much more highly. FWIW, I'm a stude...
by mlipps
Fri Jan 23, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Best Book To Learn R Programming
Replies: 32
Views: 3357

Re: Keurig-cup coffee makers - why?

Has anyone tried cold brewing? They have these amazing glass contraptions that cold brew a concentrate and you add hot water. Many coffee shops use this method for iced coffee. it is supposed to be less acidic. Glass contraptions?? You mean a jar?? You can just put water & coffee in a jar overn...
by mlipps
Fri Jan 23, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12334

Re: Tax Preparation--Anyone try this as second income

it all depends on his "life experience". He should have no problem doing 1040EZ returns and maybe a 1040A. 1040 is where the rubber meets the road and if he's familiar with Sched D, Education credits, Child care credits, the various filing statii, rules for dependency, etc. he'll be ok. I...
by mlipps
Tue Jan 20, 2015 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 13
Views: 2167

Re: When your spouse isn't quite as frugal as you

I mostly agree with other posters but this might be a pick your battles type of situation. However, I do love my breakfast sandwich maker, so I thought I would share it with you! Maybe your husband could muster the energy to make one in the morning? Or you could make one for him? They are so fast &...
by mlipps
Thu Jan 15, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8840

Re: When your spouse isn't quite as frugal as you

I mostly agree with other posters but this might be a pick your battles type of situation. However, I do love my breakfast sandwich maker, so I thought I would share it with you! Maybe your husband could muster the energy to make one in the morning? Or you could make one for him? They are so fast &a...
by mlipps
Wed Jan 14, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8840

Re: Best place for new car loan - DCU?

May I know do they require you to deposit your whole paycheck or any amount is ok to get 1.49% and do they require you to have $500 deductible on your auto insurance? How about GAP insurance requirement? Thanks. We went through DCU recently & I was very happy with the process. But keep in mind ...
by mlipps
Thu Dec 25, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place for new car loan - DCU?
Replies: 8
Views: 1144

Re: Have you used VITA or TCE?

My VITA site, one of the busiest in the country, is a pilot site for allowing returns with depreciation to be completed even. We see tons of crazy stuff, but have an EA and our two lead managers have been around for 15+ years. As far as your friend not having his done there, I personally do them on ...
by mlipps
Thu Dec 25, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1451

Re: Favorite computer apps when travelling

I love TripIt to keep all our plans organized.
by mlipps
Wed Dec 24, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Favorite computer apps when travelling
Replies: 19
Views: 2204

Re: Best place for new car loan - DCU?

We went through DCU recently & I was very happy with the process. But keep in mind to get 1.49 you need to set up direct deposit. You will get 1.74 without it.
by mlipps
Mon Dec 22, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place for new car loan - DCU?
Replies: 8
Views: 1144

Re: Shop Through Chase and other rewards points

You can secure message them to report the missing rewards. They don't do anything until 45 days pass. I have so many outstanding claims with them, Discover, and TopCashBack.com right now. Sigh.
by mlipps
Fri Dec 19, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 1042

Re: PenFed Auto Loan in lieu of Grad PLUS

Have you considered the tax deduction for student loan interest? I suspect the savings on the (pretax) cost of the loan will overwhelm the tax aspects...and maybe you won't qualify to deduct the interest anyway...but that should be part of your calculations. I assume that auto loan interest isn't d...
by mlipps
Fri Dec 19, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Auto Loan in lieu of Grad PLUS
Replies: 5
Views: 535

Re: PenFed Auto Loan in lieu of Grad PLUS

I just did this, but through Digital Credit Union at a rate of 1.49%. They even had an option in the loan application to say that the car was paid in full. It couldn't have been easier & I am so happy not to be paying those crazy Grad Plus rates. I also thought our car was worth about $10k, but ...
by mlipps
Thu Dec 18, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Auto Loan in lieu of Grad PLUS
Replies: 5
Views: 535

Re: Suggested tax book for beginner?

I generally find that the IRS publications are pretty well written and have a good set of relevant examples and to besides the ones mentioned anyone with an IRA should read 590 thoroughly. Agree, if you have a specific question you're seeking an answer to, the IRS pubs are pretty readable for the m...
by mlipps
Tue Dec 16, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested tax book for beginner?
Replies: 17
Views: 1731

Re: Suggested tax book for beginner?

Volunteer at a VITA tax prep site in your community. You'll learn all that and much more!
by mlipps
Sat Dec 13, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested tax book for beginner?
Replies: 17
Views: 1731

Re: How to automatically transfer tenants rent to my account

If you use the same bank, could she schedule a recurring transfer to your account? I know Capital One 360 supports this, for example.
by mlipps
Thu Dec 11, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to automatically transfer tenants rent to my account?
Replies: 22
Views: 2129

Re: What is the best meal you've had at a restaurant?

Technically the is not a restaurant but my husband and I got tickets to "Outstanding in the Field" this past summer. We went to a farm outside Madison, WI and had a meal in the open air, prepared by the executive chef of L'Etolie, Madison's premiere restaurant. It was one of the best exper...
by mlipps
Wed Dec 10, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 7317

Re: GMAT prep

I used Khan academy to study for the math section and found it very helpful.
by mlipps
Wed Dec 03, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: GMAT prep
Replies: 23
Views: 1637

Re: Crazy question about Roth IRA transfers

No, the definition of an IRA is an INDIVIDUAL retirement account. Transfers (to my knowledge at least) may only happen upon the death of the account owner.
by mlipps
Tue Nov 25, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Crazy question about Roth IRA transfers
Replies: 8
Views: 634

Re: Favorite nonfiction books

Unbroken is undoubtedly one of mine, and it's on sale for the Kindle today for $3. I plan to see the movie with my parents on Christmas Day.
by mlipps
Tue Nov 25, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10706

Re: 401k loan to pay off CC & student debt

Also, if you're wondering, the degree won't benefit me anytime soon. I'm a registered nurse, so there's no pay raise between an associate's nursing degree and a bachelor's, it's all the same license (ain't that nice). However, it's a step toward an advanced degree such as NP, PA, CRNA, etc. I may e...
by mlipps
Sun Nov 23, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off CC & student debt
Replies: 19
Views: 2392

Re: Poll: Net cost of your checking account annually?

I put "0". However, I do pay $12 annually to belong to the credit union's "Premier Club" (for those over 60). For the $12, I get a box of free checks and 50% off the cost of a safe deposit box. Since a box of checks costs more than $12, I figure I'm still ahead. You use an entir...
by mlipps
Wed Nov 19, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 3943

Re: How often do you go out to dinner?

We used to go out once a week plus a quick lunch once or twice a month, but as my cooking and meal planning has gotten easier w/more practice, we're down to only 1 or 2 times a month now. I like the idea of going out, but it rarely lives up to my expectations flavor wise and even when it does, it al...
by mlipps
Mon Nov 17, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 6734

Re: Experience with Target Redcard?

Love ours. We have the debit version & have had it for almost 3 years now. I checked our school donation stats the other day...there are two people contributing, which I assume is me & the husband, and Target has donated $150.22 to my high school total. I'll let you do the math on that one.....
by mlipps
Mon Nov 17, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3835

Re: Winter Coat

I tried a Columbia Mighty Lite hooded jacket. I couldn't even get through October in Chicago in it. Sent it back and replaced it with a cozy and surprisingly stylish down parka from lands end. So far so good, but February is the real test... I think I found your problem: "100% Polyester" ...
by mlipps
Mon Nov 17, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 7976
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