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Re: best cash back credit card

I'm shredding my credit cards, not applying for new ones. I am doing the opposite. While I am still working, I don't have time for investigating and using credit card offers. In retirement, I will have more time and may be able to save a few hundred dollars per year. So far, I've requested two card...
by nonnie
Wed Apr 09, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 20189

Re: Advice on cell phone plans:

Prudent, I need long distance and texting. Occasional photos being texted, but that is about it. Bloom, Thanks for pointing me in the right direction. Another plan to check out is: Page Plus. They have pay-as-you-go and also low monthly plans. You can subscribe directly (they are a Verizon reseller...
by nonnie
Wed Apr 02, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Advice on cell phone plans:
Replies: 5
Views: 862

Re: Setting up money management practice as part time MD

Is this even reasonable for a doc interested in finance? Working mostly with medical trainees and other attending physicians? Practice building through lectures at local medical schools, residencies, etc. What credentials if any are needed? Seems like a fellow physician would garner more trust than...
by nonnie
Wed Apr 02, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Setting up money management practice as part time MD
Replies: 10
Views: 981

Re: best tips for passwords?

I use KeePass with Windows, Linux, Android and iOS without any problems. They all use the same database formats and can share databases. And just so you know there are two database formats for KeePass, version 1 and version 2. Both are still actively developed. Version 1 has better compatibility wi...
by nonnie
Mon Mar 31, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8378

Re: Roth recharacterization- Form 8606T Explanation

The recommended explanatory statement would be constructed like this: "On rr/rr/2013 I converted 13,000 to my Roth IRA, and on ss/ss/2014 I recharacterized 3,000 of that conversion which was then valued at x$, back to my traditional IRA". You are correct, the IRS often never reads these s...
by nonnie
Sun Mar 30, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 413

Re: best tips for passwords?

I don't have RoboForm, but KeePass claims to be able to import the data: File Formats - KeePass I use KeePass, as it's totally offline. Last Pass has online storage - which breaks the "Trust No One" approach to security. It might be OK, but I prefer to keep things totally offline (or heav...
by nonnie
Sun Mar 30, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8378

Re: best tips for passwords?

I've been using pw manager RoboForm for quite some time and have been pretty much satisfied with it. However, despite hopes, promises and new versions their mobile/tablet version is horrendous. I never do anything financial or requiring security on my tablet and thought that perhaps I might just use...
by nonnie
Sat Mar 29, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8378

Re: Roth recharacterization- Form 8606T Explanation

perhaps also the date and the institutions involved so that even you could reconstruct the event years from now when you might be asked to prove what happened. I have the 1099 for the original transaction and custodian with notes on the recharacterization but since I only save the tax returns thems...
by nonnie
Sat Mar 29, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 413

Re: Roth recharacterization- Form 8606T Explanation

On mine I just wrote "Recharacterized $3,000 to traditional IRA from Roth IRA plus $XXX in earnings/gains for a total of $X,XXX sent back to traditional IRA." I'm not sure if that is exactly what they are looking for but I have done that for a few years now and haven't had any problems Fi...
by nonnie
Sat Mar 29, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 413

Roth recharacterization- Form 8606T Explanation

I recharacterized $3000 of a $13,000 taxable IRA rollover to my Roth and now Turbo Tax wants an explanation--on what they call -Form 8606T- for the recharacterization. Nobody at IRS will ever see the form unless I get audited so I'm sure it doesn't make any difference what I write but I'm curious--w...
by nonnie
Sat Mar 29, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 413

Re: Inexpensive cell phone- Verizon

Nonnie - the Tracphone stuff is confusing. [snip] When you purchase a Tracphone, you want one that was designed to work on Verizon and locked to that home network. [snip] That's essentially what the article is describing. They are telling you which zipcodes to give when your order a Tracphone so th...
by nonnie
Mon Feb 24, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

Nonnie - There are two phone technologies: GSM and CDMA. GSM phones use a small removable SIM and CDMA phones have their network circuitry built into the phone itself. AT&T / T-Mobile are GSM, and Verizon/Sprint are CDMA. So you have to make a choice between GSM and CDMA, or sometimes the choic...
by nonnie
Mon Feb 24, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

If you have WiFi internet, I'd consider T-Mobile's prepaid plans. T-Mobile has built in wifi calling and a Nokia Windows 8 phone is some $50 without contract. I personally, used this phone and highly recommend it. You can even buy a clamshell Samsung phone at Target for $20. The phone will use your...
by nonnie
Mon Feb 24, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

I'm on page plus but switching to selectel when my balance runs out. What I don't like about page plus is data is a ripoff .99/MB on the standard plan, but my usage is not even enough to consider the $12 250 minute/250 text plan where data is .10/MB. With selectel I can get 2000 mins, 1500 texts fo...
by nonnie
Mon Feb 24, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

With an MVNO that uses more than one network. like Tracfone, if I *did* have a phone that is compatible with both AT&T and Verizon would it try to connect to AT&T first and would I then be in danger of it trying to connect to AT&T and perhaps getting a very weak signal but then I'd be s...
by nonnie
Sat Feb 22, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

Is there a summary of these "off-brand" services? Should I be looking into this? Whats the difference b/w paying Verizon $100/mo and paying one of these other brands $50/mo unlimited? What's the catch?? Yes, you should be looking into this. Different MVNOs (resellers) have different plans...
by nonnie
Sat Feb 22, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

[ http://www.tracfone.com/questions.jsp#/includes/content/questions/General.jsp?enId=FA10035&esId=FA10036&a=13930838 If you can use this coverage map more power to you--it goes by phone and zip code . When I called Tracfone they told me I "had coverage." When I asked them what pho...
by nonnie
Sat Feb 22, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

Nonnie, I have both page plus (for an iphone 4s) and tracfone (for 1 feature aka dumb phone AT&T network, 2 smart phones Verizon network). Based on your limited usage tracfone would be the better deal. Tracfone uses both AT&T and Verizon network. However you can indirectly choose which netw...
by nonnie
Sat Feb 22, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

Browser-- I appreciate that you are trying to help me but I'm not sure what you are trying to accomplish. What would I gain from this experiment since I already KNOW that AT&T doesn't work at my house and I do know that Verizon does. Why would I want to risk roaming and dropped calls? And for th...
by nonnie
Fri Feb 21, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

I've found Kitty's forums to be very helpful in choosing phones and getting other Page Plus/Kitty Wireless specific questions answered. http://www.kittyforums.net/forum.php Thanks, I posted there and was told what I wanted didn't exist! Take a look at Verizon Palm Pixi Plus phones on eBay. They are...
by nonnie
Fri Feb 21, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

Virgin Mobile is on Sprint. Ting is also on Sprint, very inexpensive. If you have a Sprint phone, it can be activated on Ting. However, Ting has roaming on the Verizon network, which Virgin Mobile does not. Whether it would roam in your location is uncertain, since you are apparently in a Sprint co...
by nonnie
Fri Feb 21, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

FrugalInvestor wrote:I've found Kitty's forums to be very helpful in choosing phones and getting other Page Plus/Kitty Wireless specific questions answered.

http://www.kittyforums.net/forum.php


Thanks, I posted there and was told what I wanted didn't exist!
by nonnie
Mon Feb 17, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Inexpensive cell phone- Verizon

I'm the OP and life got away from me and I didn't make a change. I'm now ready to go with either PagePlus or Kitty. I can't see any differences in the rates except perhaps the one time charge for a new number--what am I missing? I want a very basic prepaid plan (will start with the $10 card--which s...
by nonnie
Mon Feb 17, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Should I move to California from Midwest?

(a) The driver of a vehicle shall yield the right-of-way to a pedestrian crossing the roadway within any marked crosswalk or within any unmarked crosswalk at an intersection , except as otherwise provided in this chapter. That law may work someplace in CA but I sure don't know where. My rule of thu...
by nonnie
Sat Dec 21, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 7634

Re: Should I move to California from Midwest?

The new job will be stressful because 1) I am actually somewhat new to the field even though I have general knowledge of it. (I have a PhD in engineering field). 2)long hours, from what I heard about this company, due to new product release pressure What's your definition of long hours? 60? 70? 80 ...
by nonnie
Fri Dec 20, 2013 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 7634

Inexpensive cell phone- Verizon

I've used pay as you go Virgin Mobile for years and have been very satisfied. It's a dumb phone and I use it only for emergencies or when I'm meeting someone or a few other miscellaneous things almost always when I'm on the go. I have no need for internet access, camera or anything fancy. I pay $20 ...
by nonnie
Wed Oct 23, 2013 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3533

Re: Recommend a cheap, small tablet?

I'm typing this post on my new nexus 7. Its the first tablet I've owned and its great, awesome screen. Really good if you use googles services. Must admit I find using a tablet frustrating at times, certain cut/paste things are too difficult, and the screen keyboard is just not easy to use. +2 Two ...
by nonnie
Sun Oct 06, 2013 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 3916

Re: Government Shutdown [effect on investments]

What is the worst case for gold? Everything gets resolved, Boehner has thanksgiving over at Obama's house, and the market goes to 2000 and gold drops to $600. I lose about 2.5% of my net worth in gold holdings but gain 10% on my 70% stocks, 15% bonds portfolio. Actually I really haven't seen any go...
by nonnie
Sun Oct 06, 2013 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 26366

Re: Government Shutdown [effect on investments]

I just finished off a fairly long piece on it and hope we can get onto my blog on Monday, worst case Tuesday Larry Won't it be great if, by then, it's too late to be timely? Is this article just on government shutdown or also on possible default? If only on shutdown, are you planning to do a piece ...
by nonnie
Sun Oct 06, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 26366

Re: Tesla S

Watch-- Humans and Robots Dancing in the Tesla Model S Factory. Tesla employs 3,000 humans and 160 robots.

http://www.feld.com/wp/archives/2013/07 ... ctory.html

Nonnie
by nonnie
Wed Oct 02, 2013 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 431
Views: 38180

Re: Medicare(regular) versus Medicare Advantage

mur44 wrote:If you want gold standard, go with Original Medicare
(Parts A and B), add a Medigap plan (such as plan C or F)
and a drug plan (Part D).



Don't forget to include the new Plan G for comparison-- it generally compares very well.
by nonnie
Wed Oct 02, 2013 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare(regular) versus Medicare Advantage
Replies: 42
Views: 2327

Re: Question about bond funds

[ Bank of Utica 5-year CD APY: 2.50%. PJW This is not really a representative CD rate as it clearly states: "Subject to Change at Anytime - Local Deposits Only - $50,000 Maximum ) For someone saving for a house in a couple years I would NOT recommend a bond fund. There are a variety of other C...
by nonnie
Wed Oct 02, 2013 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Question about bond funds
Replies: 9
Views: 1180

Re: Fidelity target date funds pile on stocks

No, I mean, ditch the "Retirement 2035" and say what's actually in the fund. They are all too aggressive, VG included in my opinion. Life Strategy Income -19.5/80.5 - 1.99% YTD. Can't get much more conservative than this 20/80 allocation. Life Strategy Conserv- 39.6/60.4 - 5.91% YTD Inter...
by nonnie
Sat Sep 28, 2013 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity target date funds pile on stocks
Replies: 65
Views: 4392

Re: Help with New Jersey hotel choices

Eatontown and Toms River are maybe 25 minutes apart, each right off the Garden State Parkway. Eatontown is further north. Both are typical large NJ towns -- there's no "downtown", just a busy six-lane route that runs for miles and has every store and chain restaurant you could ever imagin...
by nonnie
Thu Sep 26, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Help with New Jersey hotel choices
Replies: 21
Views: 1255

Re: Portfolio "management" fee

What is a reasonable % to pay for someone to manage $1MM of assets? I have fiduciary responsibility for my mother's assets and just don't have time to manage it all myself. I also don't want to take on that much responsibility having six older siblings (sisters that is). I've heard anywhere from 0....
by nonnie
Thu Sep 26, 2013 2:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Portfolio "management" fee
Replies: 16
Views: 1739

Re: Flat Fee Advisor - Cardiff Park Advisors?

That is not what I'm saying. I do want my investment advisor, however, to be plugged in enough to recommend 2 or 3 tax experts for clients that need those services. If that's the only problem you have with your investment advisor-- not being able to recommend a tax expert--you are very lucky. Also,...
by nonnie
Wed Sep 04, 2013 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 5308

Re: Flat Fee Advisor - Cardiff Park Advisors?

I tend to ignore words and value & observe actions/data. I'm not saying bigger is better; am just looking at what people are doing with their money. If CPA is so much better (I think "somewhat" better is immaterial/unnoticeable to most.), why aren't the EAM clients switching there en ...
by nonnie
Tue Sep 03, 2013 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 5308

Re: Flat Fee Advisor - Cardiff Park Advisors?

Cardiff Park Advisors--edited
by nonnie
Tue Sep 03, 2013 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 5308

Re: Flat Fee Advisor - Cardiff Park Advisors?

Why is it that Bogleheads have so much fun razzing Cardiff Park clients and don't believe (in the past one client was called a shill for posting about and praising John Gorlow/Cardiff Park) how satisfied his clients are? You don't see folks lining up to praise Evanson Asset Management-- at least no...
by nonnie
Mon Sep 02, 2013 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 5308

Re: Flat Fee Advisor - Cardiff Park Advisors?

For those using Cardiff, I'm curious, what kinds of questions do they help you with? Their FAQ states they don't do estate planning, CPA work, etc, which is reasonable of course, they are getting paid to do investment management. But do they help with other issues which are on the border between fi...
by nonnie
Mon Sep 02, 2013 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 5308

Re: Choosing Medigap Plan at 65 (with pre-existings)

bill88 wrote:[. A cross country move is a rather expensive solution, but we do have some family out that way. :?

Will check for discounts.

Cheers,
Bill


With a sense of humor like yours, you'd do great out here-- you gotta laugh at everything going wrong and how expensive it is!
by nonnie
Fri Aug 30, 2013 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1280

Re: At what point is your credit score "high enough"?

We have applied for and received six credit card sign-up bonuses in the past couple of years worth around 240,000 frequent flyer miles, so having a high enough score to do that and still maintain an excellent credit score despite the hard credit pulls was quite valuable. Essentially you can "s...
by nonnie
Thu Aug 29, 2013 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is your credit score "high enough"?
Replies: 50
Views: 3767

Re: Choosing Medigap Plan at 65 (with pre-existings)

[quote="bill88"] (My wife has AARP's Plan F.) Thanks for your feedback, Bill We're in CA and so are able to change every year if we wish even with pre-existing. We're just completing our first year w/AARP Plan F and haven't had any problems. They are the 3rd carrier we've had. It's Medicar...
by nonnie
Thu Aug 29, 2013 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1280

Re: Selling my cellphone-reliable purchaser

I'm sorry-- I don't understand your point. I should sign up to become an Amazon seller and compete with the 10 plus pages of new and refurbished phones??? I'm not trying to be sarcastic, I'm serious. Thanks, Nonnie Its not a big deal. Just list it for a $1 less than listings that you feel are simil...
by nonnie
Fri Aug 23, 2013 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Selling my cellphone-reliable purchaser
Replies: 18
Views: 1351

Re: Selling my cellphone-reliable purchaser

https://catalog-retail.amazon.com/abis/syh/DisplayCondition/ref=dp_sdp_sell?_encoding=UTF8&asin=B006ULGWPK&colid=&coliid=&ld=AMZDP&qid=&sr= I'm sorry-- I don't understand your point. I should sign up to become an Amazon seller and compete with the 10 plus pages of new and re...
by nonnie
Wed Aug 21, 2013 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Selling my cellphone-reliable purchaser
Replies: 18
Views: 1351

Re: Selling my cellphone-reliable purchaser

Actual "he" is a she(me) but it is my husband's phone. I'm looking for a fast and easy way to do this, not have to set up an Ebay account or drive to meet someone who answered a Craigslist ad-- it's not worth it for a phone probably worth less than $50. Years ago in SF my neighbor was kidn...
by nonnie
Wed Aug 21, 2013 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Selling my cellphone-reliable purchaser
Replies: 18
Views: 1351

Re: My favorite. Proven.

davebarnes wrote:gazelle.com


thanks but as I said in my original post, this model is too old
by nonnie
Wed Aug 21, 2013 12:33 am
 
Forum: Personal Consumer Issues
Topic: Selling my cellphone-reliable purchaser
Replies: 18
Views: 1351

Selling my cellphone-reliable purchaser

Any recommendations for a reliable cellphone purchaser? I've used Gazelle in the past and know they are reliable but they aren't buying this model. It's a Droid Bionic xt875, Verizon edition. I'm finding most prices from $15 - $30 but Gadgetocity.com is offering $53. I've tried to do an online searc...
by nonnie
Tue Aug 20, 2013 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Selling my cellphone-reliable purchaser
Replies: 18
Views: 1351

Re: For Technically Minded:Wifi Extender,Powerline Adapter o

For the Technically Minded: Wifi Extender, Wireless Repeater, or Power line Adapter... or ?? I just bought a Nexus 7 tablet and it's great, except for its limited range. 1210 Do you have this one: World's sharpest 7" tablet screen (323 ppi) Powerful battery, up to 9 hrs of active use Quad-core...
by nonnie
Mon Aug 19, 2013 2:21 pm
 
Forum: Personal Consumer Issues
Topic: For Technically Minded:Wifi Extender,Powerline Adapter or wi
Replies: 34
Views: 1345

Re: Best E-Reader: Kindle, Nook or?

I continue to love my Nexus 7 tablet. All the features of a smaller tablet that is also an e-reader. I prefer to read paper books during the day but at night in bed I love the e-reader function of the Nexus. It's lighter than a r book, you can highlight, make notes, adjust screen brightness, fonts, ...
by nonnie
Fri Aug 02, 2013 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Best E-Reader: Kindle, Nook or?
Replies: 46
Views: 3696
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