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Re: Recommended Brand/Model for a Heart Rate Monitor?

I just purchased garmin forerunner 110 after a lot of research. I like it so far.
by newkidontheblock
Fri Mar 14, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 13
Views: 814

job change impact on benefits

Hi: I may be changing jobs in near future. I was looking into how this will affect my spending accounts. Medical FSA It seems to me that I can spend up to the full amount before I leave but I will forfeit any amount I have left over in the account. I read that if I stay on COBRA I may have access to...
by newkidontheblock
Mon Mar 10, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: job change impact on benefits
Replies: 1
Views: 278

Re: AT&T Mobile Users: Check your plans

I had a pay as you go phone and a subsidized phone. I was paying $165 per month for 1400 minutes, 2 lines and unlimited data. My data usage never went above 1 GB. I was able switch to 2 GB shared plan with unlimited talk, text for $90. I may even get corporate discount. It is quite a drop from $165 ...
by newkidontheblock
Mon Mar 10, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6184

Re: When is the best time to book a flight?

I just read an article about this topic. I think it mentioned 54 days before the flight leaves is the best time to buy the tickets.
by newkidontheblock
Wed Mar 05, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1189

Re: Cutting cell phone expenses

Since I am under contract until November I switched to AT&T Mobile share plan. The best deal was 10 GB data, unlimited talk for $130. I may even get employer based discount on top of that. In November I will get my phone unlocked and switch to mvno like Consumer Cellular. Many thanks for your su...
by newkidontheblock
Tue Mar 04, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1790

Cutting cell phone expenses

Hi: I have been AT&T customer for over 18 years. We have a family plan which gives us 1400 minutes and unlimited data to me and 300 MB to my spouse. I get 23% discount due to my current employer. We pay $140 per month. I got my phone in November of 2012 so I am still under contract. My wife purc...
by newkidontheblock
Mon Mar 03, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1790

Re: Moving from midwest to Australia

This is an amazing thread and this is an awesome community. I can't name another place where I folks are so willing to share their experiences.

Thanks
by newkidontheblock
Sat Feb 22, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2312

Re: Moving from midwest to Australia

Yes I will be on the work visa. I will have the option to apply for Permanent residence but I will not do that until I am sure we will live there. Quality of life is the primary reason for considering this change. If I was just looking at financial side of things this move will not make sense. Slowe...
by newkidontheblock
Fri Feb 21, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2312

Re: Moving from midwest to Australia

I plan to rent for 1-2 years before purchasing anything. So I hope to avoid this real estate loss streak.
by newkidontheblock
Fri Feb 21, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2312

Re: Moving from midwest to Australia

For us good school for kids is a lot more important than proximity to a beach. We will go to beach a few times a month so even 1 hour driving distance is not a big deal. We don't mind using public transportation at all. My job will certainly require car. If they were not driving on the other side we...
by newkidontheblock
Fri Feb 21, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2312

Moving from midwest to Australia

I am in my early forties, married with 2 young children. Live in MN. Both I and my wife have good jobs. I have a technical sales job. I have lived in MN for the past 22 years. My wife moved here when we got married from East Coast. I was self employed IT consultant for a long time so I have a good n...
by newkidontheblock
Fri Feb 21, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2312

Re: buying latex mattress online

Check out the site called mattressunderground.com as they have a lot of good information about purchasing latex mattresses. I have not used foam by mail but I have purchased two latex mattresses from sleepez.com I chose dunlop for the bottom layer and talalay latex for the top layer. I get warm rath...
by newkidontheblock
Mon Jan 27, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 866

Combining multiple brokerage accounts

Hi: I have been investing in Vanguard funds/etf's for a long time. Many years ago when I was self employed Vanguard did not offer Solo 401K so I opened that account in Schwab. My current employer based 401K is at Fidelity My Wife's current employer 401K is at Vanguard My old solo 401K is at Schwab M...
by newkidontheblock
Fri Jan 03, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Combining multiple brokerage accounts
Replies: 1
Views: 239

Re: Wi-Fi Thermostats: Nest and Ecobee

I currently have Honeywell 7 day programmable Thermostat. I can program temps for morning, evening, night and day time for each day. I live in a 2 story home with a finished basement so features like Nest auto away are not helpful. Other than being able to view/change temps on Phone apps and web int...
by newkidontheblock
Thu Jan 02, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Wi-Fi Thermostats: Nest and Ecobee
Replies: 31
Views: 3161

Re: How to fight work place bullying

Thank you so much for all your responses. Manager is managing 3 people. This manager used to have direct report but they were taken away. She got them back because of quick turnover of 2 managers. Other two in the team have been around for 10 plus year. They seek out the manager twice a day for guid...
by newkidontheblock
Sat Dec 21, 2013 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 4740

How to fight work place bullying

My wife switched jobs this year. She was stressed at her previous job and was working long hours. In her field working long hours is typical. She was doing very well in her old job but wanted change after working there for 7 years. Many people said bad things about her new employer when they heard s...
by newkidontheblock
Fri Dec 20, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 4740

Alternatives to TIVO

Hi: I am slowing working towards cutting the cord. Currently we have DirecTV with 1 HD DVR, 3 HD Tuners and are paying around $125 per month. Current service allows us to watch recording shows from any of our 4 TV's in our home. We watch local sports, HGTV, Scandal, General Hospital. I am getting an...
by newkidontheblock
Tue Nov 19, 2013 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 10
Views: 3975

Re: Acura RDX or BMW X3?‏

If you plan to own the car for 10 years than Acura will be better car for you. I have owned Acura's, Porsche's, BMW's, Audi's. Handling of German car's like BMW's is superior to luxury cars made by Japanese manufacturers. Once your BMW is out of warranty you are looking of expensive maintenance char...
by newkidontheblock
Mon Nov 11, 2013 12:01 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 3303

Re: New cellphone

I recently purchased Nokia 520 for $99 from the Microsoft store. AT&T did let me unlock it so I sent to my parents in India. I have seen prices as low as $80 for this type on slickdeals.net Once my current contract is over I will be saying bye bye to AT&T and switching to Consumer Cellular. ...
by newkidontheblock
Fri Nov 08, 2013 3:23 pm
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3608

Re: Have you ever used your credit card's warranty extension

Yes I did with my Discover Card last month. I purchased IPAD 64GB for $699 last year. I did not buy apple care. Last month it stopped worked and I was over the 12 month standard warranty duration. There was not damage to the IPAD. I took it to the apple store and they gave me a statement showing tha...
by newkidontheblock
Fri Nov 08, 2013 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Have you ever used your credit card's warranty extension?
Replies: 27
Views: 2354

Re: Amazon Web Services - S3

I also like Crashplan and recommend it over trying to copy files over to AWS S3 on your own. Crashplan will be turn key solution that is reasonable priced. It supports multiple platforms. It also allows multiple destinations. In my case I save my backup to a local USB drive and in Crashplan cloud. Y...
by newkidontheblock
Sat Oct 26, 2013 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Web Services - S3 / Glacier
Replies: 15
Views: 1449

Re: Recumbent stationary bike recommendations Please?

I did research last week about this and purchased a recumbent stationary bike this week. It will be delivered today. I also thought meshed seat back with reclining feature was important. My top two contenders were Sole R92 and Spirit Bike XBR55. I purchased Spirit XBR55 for $1249 in Twin Cities, MN....
by newkidontheblock
Wed Oct 16, 2013 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Recumbent stationary bike recommendations Please?
Replies: 8
Views: 857

Anybody used Simple.com yet?

I heard about Simple.com on public radio today. There were asked how they differ than mint.com which I currently use. Their answer was real-time data availability and a better job of automatically categorizing transactions. They also mentioned much better querying capabilities. One can query in natu...
by newkidontheblock
Tue Oct 08, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody used Simple.com yet?
Replies: 4
Views: 1099

Re: Current Windows 8 vs. New Version

I know I'm sounding argumentative - so I'll probably leave the conversation soon. But one really wonders if you spent the last few days learning how to use the new and improved OS (win 8) - that would have been more productive. I remember when most TV's were fullscreen (4:3) and dvd's were either w...
by newkidontheblock
Mon Sep 23, 2013 11:33 pm
 
Forum: Personal Consumer Issues
Topic: Current Windows 8 vs. New Version
Replies: 39
Views: 2889

Re: Reduce number of bank accounts

My local credit union is affinity plus credit union and offers very poor rates. https://www.affinityplus.org/banking/savings/dividend-rates I will be closing my account there tomorrow. I will close Ally bank account as well. It came down to Capital One and Alliant Credit Union and have decided to go...
by newkidontheblock
Wed Sep 18, 2013 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reduce number of bank accounts
Replies: 10
Views: 1203

Reduce number of bank accounts

Hi: Over the years I have accumulated multiple accounts and my wife has asked me to simplify by closing some of them. Our primary bank for checking/bill pay is Wells Fargo. Direct deposit goes there but we don't keep much money there. Online savings accounts: 1. ING Direct now known as Capital one 3...
by newkidontheblock
Wed Sep 18, 2013 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Reduce number of bank accounts
Replies: 10
Views: 1203

Re: Struggling with cell phone choices

In the last 12 months we have averaged 1200 minutes per month of talk and 385 MB of data usage. I did check out Consumer Cellular and it is significantly cheaper than AT&T and uses the same network. I can get 2000 minutes per month for $40 per month, I can get 500 MB data plans for $20 per month...
by newkidontheblock
Sun Sep 15, 2013 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Struggling with cell phone choices
Replies: 6
Views: 921

Struggling with cell phone choices

Hi: I work for a technology company my employer pays $75 per month for my phone bill. I also get 25% discount from AT&T. We have 1400 minutes shared family plan and unlimited data. We got subsidized phones so my contract on our two lines expire on 3/14 and 11/14 so we are a long way off from con...
by newkidontheblock
Sun Sep 15, 2013 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Struggling with cell phone choices
Replies: 6
Views: 921

Re: Best technology to know for independent contractors?

Technology is changing so quickly that it is tough to predict what will happen even 1 year out. Independent contracting is getting tough to due continuous downward pressures posed by lower cost out sourcing options from asia. In addition to this there are so many folks with fake experience so it is ...
by newkidontheblock
Tue Sep 03, 2013 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best technology to know for independent contractors?
Replies: 12
Views: 1151

Question about Qualified Rollover

Hi: I am transferring 401K from my previous employer to my current employer. Previous employer was using Schwab and the new employer uses Vanguard. Vanguard rollover form says that Schwab should write a check and make it payable to "Vanguard Fiduciary Trust Company FBO "Your Name", la...
by newkidontheblock
Fri Jun 28, 2013 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about Qualified Rollover
Replies: 3
Views: 259

Plan to ditch Century Link and current Home Security Prov.

Hi: We get our current home phone service from Century Link. We only have basic home service with caller id as the only optional feature but the bill is still $34 per month. For long distance we have a VOIP service where we make international and domestic long distance calls. Monthly bill is around ...
by newkidontheblock
Tue Jun 04, 2013 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Plan to ditch Century Link and current Home Security Prov.
Replies: 1
Views: 459

Re: Looking to Improve Home network / Backup System

You can try out Crashplan. They have a free plan that allow you to backup your data to another computer, USB drive, your relatives computer and online.
File are encrypted. I signed up for their online plan as well but I also backup to a local USB drive.
by newkidontheblock
Thu May 30, 2013 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Looking to Improve Home network / Backup System
Replies: 6
Views: 836

Re: Buying appliances - home maintenance plan?

I am finding that quality of appliances manufactured these days is getting worse not better. Since the quality is worse they break down a lot so the vendors offer extended warranties to fix them. When I bought my current home my builder had a relationship with GE so I had to purchase GE profile or m...
by newkidontheblock
Wed May 08, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying appliances - home maintenance plan?
Replies: 22
Views: 1281

Re: Refi or Not??

I am refinancing right now. I have a smaller loan than you do. I am getting 15 year fixed at 2.50% with no closing costs.
Like other said go ahead and refinance to 15 year fixed but shop around.
by newkidontheblock
Wed May 08, 2013 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi or Not??
Replies: 9
Views: 461

Re: Review my plan to ditch satellite service

Even though TVFool and antenna web told me that i need a small multi-directional antenna my experience with Mohu Lean antenna did not go well. I purchase Mohu leaf antenna based on great reviews on Amazon. I installed it in 2 different rooms. I tried moving the antenna to various locations in the ro...
by newkidontheblock
Tue Apr 30, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Re: Review my plan to ditch satellite service

Thank for providing this wealth of information. I checked Antenna web and it tells me that I only need small multi directional antenna. I checked TV fool and it shows that most of the channels available to me are green and 4 are read. All the transmitter are between 13-25 miles away from my home. I ...
by newkidontheblock
Wed Apr 17, 2013 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Re: Review my plan to ditch satellite service

My $120 is for directv only. I don't have any premium channels. I have 3 HD receivers and 1 DVR plus repair plan. I use comcast for broadband and Century link for phone. I may be able to save by combining all three for 12 months or so. I do like satellite better than cable but with appropriate anten...
by newkidontheblock
Tue Apr 16, 2013 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Review my plan to ditch satellite service

Hi: we currently spend about $120 per month on Satellite. We have 4 set top boxes including 1 dvr. Satellite provider is direcTV. I have 4 receivers connected via wired network so we can watch shows from 1 DVR through out the house and even on our windows pc's. Shows we watch are: Kids shows on PBS ...
by newkidontheblock
Tue Apr 16, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Pension or Investment account

My spouse just got a new job and her new employer offers a 401K plan. In addition to that they also offer Personal Pension account or Personal Investment Account. She has 3 months to make the selection. If she chooses Personal Investment Account her employer will pay 5% of her income into this accou...
by newkidontheblock
Wed Apr 10, 2013 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension or Investment account
Replies: 1
Views: 279

Rollover to new employer 401K or rollover Ira

My spouse is a about to change jobs. Her current employer 401K is with schwab.
New employer 401K is with Vanguard. Should we create a rollover Ira at vanguard or rollover to employer 401K with vanguard. Is there any advantage to one of these options.
by newkidontheblock
Fri Feb 08, 2013 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Rollover to new employer 401K or rollover Ira
Replies: 2
Views: 263

Extra payment towards car, mortgage or something else

Mortgage rate is 2.875 15 year fixed we are many years away from paying it off. Car loan is 1.99% five year loan. Balance is 15000. We have $15000 extra and are considering making a payment towards one of these. I want to pay off car loan and my spouse wants to reduce the balance. Which one would yo...
by newkidontheblock
Sun Jan 20, 2013 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra payment towards car, mortgage or something else
Replies: 13
Views: 883

Re: Homeowner's insurance - shopping around

Be aware of teasers quotes. I had a friend who had State Farm insurance. He was blown away be liberty mutual quote. One year later they jacked up his premium so high that he is back with State Farm.
by newkidontheblock
Sun Jan 20, 2013 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - shopping around
Replies: 16
Views: 1502

Re: Which Financial Software do You Use?

I was a long time MS Money user. It was tough to see MS sunset a product that I loved.
I tried Quicken but hated the interface.
I gave up on Quicken and began using Mint. It does a good job for everything except portfolio.
I am using personal capital to keep on eye on my portfolio.
by newkidontheblock
Thu Jan 03, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Which Financial Software do You Use?
Replies: 51
Views: 3721

Met Life for Term Life Insurance

Hi: We are looking for life insurance for my spouse. We did use term4sale to look for insurance providers. I ended up asking a local agent to help us out. He has given use various options for 20 year term life insurance. Some of these were: 1. Protective Life Insurance 2. Principle Life Insurance 3....
by newkidontheblock
Wed Jan 02, 2013 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Met Life for Term Life Insurance
Replies: 2
Views: 284

Are you rebalancing now?

I usually rebalance our portfolio once a year around the last week of December or early January.
I don't pay attention to the stock/bond market performance when I rebalance.
Are you rebalancing now? Has fiscal cliff affected the timing of your rebalancing?
by newkidontheblock
Sun Dec 30, 2012 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are you rebalancing now?
Replies: 22
Views: 1928

Adequate Tax withholding for vested RSU

Hi: After ignoring my employer stock awards for over 4 years I decided to take a closer look at them. It turns out that my stock awards are RSU's. When the stocks vest my employer sells enough shares to make a 25% tax payment. This seems a bit low to me as I am in 33% tax bracket. This may also expl...
by newkidontheblock
Sat Dec 29, 2012 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adequate Tax withholding for vested RSU
Replies: 3
Views: 468

Re: Question about selling stock grants

I don't own any other individual stocks. I don't believe in holding stock in my employer as I am already invested in them via index funds. I will be selling some of my stocks tomorrow and sell any future vested shares as soon they become vested.



Thanks
by newkidontheblock
Sat Dec 29, 2012 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about selling stock grants
Replies: 5
Views: 478

Re: Question about selling stock grants

These are actual shares. Taxes are deducted when the shares are vested.
I don't pay anything for them so my cost basis is zero.
by newkidontheblock
Fri Dec 28, 2012 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about selling stock grants
Replies: 5
Views: 478

Quality of clothing

How do judge and compare the quality of clothing without local stores? I am looking to buy some dress shirts and sweaters. Everybody has a sale at this time and I am trying to choose between: Lands end LL Bean Eddie Bauer I don't mind paying a little more if I know that clothes will last longer. Is ...
by newkidontheblock
Thu Dec 27, 2012 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Quality of clothing
Replies: 8
Views: 754

Question about selling stock grants

For the past 4 years I have been getting stock grants that get 20%vested each year. I have never sold them. My account is in schwab. When I sell them is there a way to sell the stocks that became vested earlier. I want to make sure I avoid short term capital gains. Last year I had hefty AMT payment....
by newkidontheblock
Thu Dec 27, 2012 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about selling stock grants
Replies: 5
Views: 478
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