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Re: Daycare payments - a way to get further discount?

The sibling discount is 10% for the older child, while the corporate discount is 10% for both child. Apparently, they won't give out both discounts :-).

Paul
by paulsiu
Mon Dec 01, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1569

Re: Daycare payments - a way to get further discount?

The following is a summary of what I have tried so far: 1. Check for corporate discount. Kindercare does have a 10% corporate discount for my wife. Good for about $250 per month. 2. File for dependent care FSA for my workplace. The limit is $5000 a year, which would only cover about 2 months of expe...
by paulsiu
Mon Dec 01, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1569

Re: Daycare payments - a way to get further discount?

Thanks.

Daycare only takes discover and debit cards, they won't take the citibank card.

I already maxed out my flexpay. The problem is that there's a $5k limit per family even with 2 children. As a result, it pays for may be 2 months of tuition.

Paul
by paulsiu
Fri Nov 21, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1569

Daycare payments - a way to get further discount?

My daycare takes several forms of payment: check, discover card, debit card, and bank account transfers. Since the amount is like $2500 a month, I am wondering if there's some way to get additional cash back or what would be the cheapest way to pay. The discover card appears to give you 1% cash back...
by paulsiu
Fri Nov 21, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1569

Re: What to prepare for first baby due next month?

Congrats: Set up baby crib area so that baby will be ready to settle in. Setup trash can, wipes and diaper around the changing area, because you will need to do that a lot. Get diaper cream, since baby will likely need it. Make sure you have ample supply of diapers, wipes and baby clothes. Even if y...
by paulsiu
Wed Nov 19, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 3967

Re: How much is saved by taking mass transit to work?

These type of question is very location specific. The best I can suggest is to work out the math. For the car, calculate: Cost of car insurance Cost of registration fee per year Cost of gas (take miles driven x price as a rough) Parking Fees - if you live in the city, you may need to pay for a parki...
by paulsiu
Wed Nov 19, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 4009

Re: 75w LED bulb in a 60w socket?

While LED uses a lot less power than a regular bulb, it can generate a bit of heat. Notice that the cooling fin on the bulb? Check the package to see if the bulb indicate that it should not be used in an enclosed space. On the plus side, the led bulb probably doesn't generate so much heat that it wi...
by paulsiu
Mon Nov 17, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 2279

Re: Bogleheads, tell me about your 40's?

I am midway through my 40's. I gotten married later in life so didn't have that much of a opportunity to settle in before starting a family, so the 40's have been more challenging than my 30's, especially since I also relocated and essentially have to restart my life in my 40's. On the plus side, my...
by paulsiu
Mon Nov 17, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17144

Re: Late medicare enrollment if you switch from insurance

I did some further research: http://www.medicareinteractive.org/page2.php?topic=counselor&page=script&script_id=20 Based on what I can determine, if you are working and on your employer's insurance. As long as your insurance is considered primary (some insurance forces you to make medicare p...
by paulsiu
Mon Nov 17, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late medicare enrollment if you switch from insurance
Replies: 10
Views: 1098

Re: Experience with Target Redcard?

I tried to signed up for the Debit version. The credit version probably start with a crappy $200 limit, we certain spend more than that at Target each month on groceries and supplies. In the middle of processing, she told us that she needed a blank check, which I don't carry with me. I came back lat...
by paulsiu
Mon Nov 17, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3144

Re: Life insurance coverage if you leave employer

Check with the insurance company. Your rate will not be the same as when are employed, the conversion rate is often not very good.

Paul
by paulsiu
Wed Nov 12, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1086

Re: Life purpose revisited

In my 20's, I am an insecure individual making my way through the world. High school was a terrible time, but college was somewhat better. As I get older, I feel that I grow into the person I was meant to be. I still have more questions than answers, but now I am less bother by the lack of answers. ...
by paulsiu
Wed Nov 12, 2014 4:08 am
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 8518

Re: When do you know it is time to switch jobs?

Are you looking for a new job or a career change? I am a bit puzzled by your desire to try other careers. IT to accounting is a bit odd. I am pretty sure accountants are in demand, but will you like the job enough to work for several decades on it? In any case, you should think about if you like the...
by paulsiu
Wed Nov 12, 2014 3:22 am
 
Forum: Personal Consumer Issues
Topic: When do you know it is time to switch jobs?
Replies: 37
Views: 4399

Re: Experience with Target Redcard?

It appears the debit card version is something call a Decoupled debit card. Supposedly you can't really gain access to your bank account through the card. The card apparently send information to a server at Target, which contains the actual bank account info and then collect the money using ACH. Not...
by paulsiu
Wed Nov 12, 2014 3:04 am
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3144

Experience with Target Redcard?

Anyone have experience with Target Redcards? They seemed to come in two different version, a credit and a debit version. In the past, I was always resisted getting one, but I am thinking of using their subscription service since some of the prices appear to be better than Amazon mom and it cost noth...
by paulsiu
Tue Nov 11, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3144

Late medicare enrollment if you switch from insurance

My over 65 in-laws used to be on what is term "pension" insurance. I don't think that's the proper term for it, but it's health insurance provided by their former employers as part of their retirement package. Recently, they have been told that their insurance was ending and they hire a fi...
by paulsiu
Tue Nov 11, 2014 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late medicare enrollment if you switch from insurance
Replies: 10
Views: 1098

Re: Is this $20 pre paid phone from Amazon a good deal?

For an emergency phone, why not considered a dumb phone. One advantage is that their battery life measures in a week vs. a day. That cheap android phone probably has a crappy battery life.

Paul
by paulsiu
Wed Nov 05, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Is this $20 pre paid phone from Amazon a good deal?
Replies: 13
Views: 1149

Re: "Gut Feelings," Our "Backup Brain"

You could say buy and hold has to do with the good kind of 'guts,' i.e., courage to fight the panic and stay the course in a market crash. Otherwise, buy and hold is a way to help control emotional gut feelings after one has invested wisely based on rational decision-making. I tend to feel that it'...
by paulsiu
Wed Nov 05, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: "Gut Feelings," Our "Backup Brain"
Replies: 22
Views: 2163

Interest is so low that Germans have to pay for savings

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/11210057/Interest-rates-are-so-low-that-Germans-are-paying-to-keep-money-in-banks.html Interest rate has dropped so much that people now has to pay to keep money in the bank. The US had some deflation in the past as well. Did it ever ge...
by paulsiu
Wed Nov 05, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Interest is so low that Germans have to pay for savings
Replies: 19
Views: 1959

Re: "Gut Feelings," Our "Backup Brain"

[quote="ResearchMed Another good take on the "gut feeling" is the security expert (someone help me here with his name), where he emphasizes how one should pay attention to those "funny feelings" or "being uncomfortable", even if one can't quite put a finger on the ...
by paulsiu
Tue Nov 04, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Gut Feelings," Our "Backup Brain"
Replies: 22
Views: 2163

Re: Netflix: how long broken?

When netflixs go down, try connecting using alternate devices. One time, Netflix stopped working on my Sony Blueray but worked fine on my tablet. It turns out that when I go to Netflix, Sony connects to some provision servers on their site and when they go down, so does Netflix.

Paul
by paulsiu
Tue Nov 04, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Netflix: how long broken?
Replies: 13
Views: 2165

Re: simple cell phone but with E911

I found the following: http://en.wikipedia.org/wiki/Enhanced_9-1-1 If you look for the section on Phase 2, it indicated that Phase 2 is complete, but the accuracy is still within 300 meters which is a big area. Though this is still better than an area within a cell tower. The government is supposedl...
by paulsiu
Mon Nov 03, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: simple cell phone but with E911
Replies: 15
Views: 1948

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

Now I am wondering if CurrentC will make it out the door before it is killed. By shutting out NFC, they made Google Wallet and Apple user angry. They responded my giving the currentc app a 1 star rating. The data breach recently did not help. CurrentC is trying to pattern itself after the Starbucks ...
by paulsiu
Mon Nov 03, 2014 2:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9066

Re: simple cell phone but with E911

How old is the phone? Supposedly all cell phones made after 2003 have GPS chip. I believe when you make a call, the GPS information gets transmitted to the 911. See this article:

http://www.verizonwireless.com/support/ ... iance.html

Paul
by paulsiu
Sun Nov 02, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: simple cell phone but with E911
Replies: 15
Views: 1948

Re: Ignition key won't turn - more complicated than expected

I feel like an idiot. I just realized that I actually had a non-ignition key made 14 years ago. It's been sitting in my wallet for all that time. I made it in the event that I left the keys in the ignition and the car door is lock, I can use the key in the wallet (which is in the separate pocket) to...
by paulsiu
Sun Nov 02, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 1966

New phone scam - get people to call back missed numbers

Recently, my wife kept getting calls from country code 231. Country 231 is Liberia. We do not know anyone from Liberia. They call continuously like 3-4 times one after the other and unlike typical robocalls, they leave a message. The message sounded all garble like grunts. After several calls, we bl...
by paulsiu
Sat Nov 01, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: New phone scam - get people to call back missed numbers
Replies: 3
Views: 1225

Re: Ignition key won't turn - more complicated than expected

The dealers said that if the car is over 10 years old, I would have to employ the services of a locksmith. A quick google on the Ford web site said: http://corporate.ford.com/owner-services/customer-support/ask-ford-faqs?packedargs=inputtext%3DProgramming%2Bspare%2Bkeys%26qtype%3Dqn This seems to ji...
by paulsiu
Sat Nov 01, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 1966

Re: Ignition key won't turn - more complicated than expected

The replacement key itself isn't cheap either. The dealer wants $30 for the key and $130 to program it. The locksmith wants $70. In the World of Auto repairs if you have to spend less than $200 to get this problem fixed, It is Dirt Cheap! ---- Maybe I misread your post, but I have paid many times m...
by paulsiu
Sat Nov 01, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 1966

Ignition key won't turn - more complicated than expected

I attempted to start the car on my 2000 Ford Focus ZX3. The key failed to turn. I tried the usual method: Jamming the key in a few times, turning the steering wheel while turning the key, hitting it with a rubber mallet, lubricating the cylinder with a dry lube. Nothing worked. Someone took a look a...
by paulsiu
Sat Nov 01, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Ignition key won't turn - more complicated than expected
Replies: 24
Views: 1966

Re: Using your own equipment on Uverse and Comcast

Thanks for the info everyone, based on the info I think i am going to go with Comcast even though I dislike them in the past. The issue is that Uverse seems to require a contract and make you rent your own equipment in most cases. When I had Verzion DSL years ago, the modem was supplied by Verizon, ...
by paulsiu
Sat Nov 01, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 2423

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

I didn't see this already posted - several big chains aren't going to use ApplePay. http://www.businessinsider.com/walmart-war-against-apple-pay-the-iphone-payments-system-2014-10 There is a war brewing between the different groups: * Merchants back MCX/CurrentC because they want to get around the ...
by paulsiu
Mon Oct 27, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9066

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

There are a couple of factors here. Convenience Swiping a credit card is not hard, so paying by phone should be just as easy or easier. Here Apple Pay seems to win out. You hold the phone next to the reader, which then display the default card, which you can touch the fingerprint scanner to pay. Goo...
by paulsiu
Mon Oct 27, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9066

Re: Using your own equipment on Uverse and Comcast

It appears that it is not possible to use Uverse without renting a device from them. One reason I don't want a rental is that it's one more area the vendor will raise rate. Comcast for example raise the rental fee from $5 to $7. Let's say they lost more subscriber, they'll just raise it to $10. The ...
by paulsiu
Mon Oct 27, 2014 12:21 am
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 2423

What is the appeal of smart watches?

When we first met, my wife wondered why I don't wear a watch. The reason is that all of my device has a built-in time and date. Why wear a watch unless it's for show? Besides, a watch is a hindrance when typing. Jump forward to today. There is supposedly a huge market for smart watches, but I am not...
by paulsiu
Sun Oct 26, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: What is the appeal of smart watches?
Replies: 22
Views: 2083

Using your own equipment on Uverse and Comcast

Now that the more pressing issue in my life have been resolved, I am starting to look into a new broadband to replace the deteriorating DSL. Currently Uverse and Comcast are available in my area. The sales person always wants me to rent the equipment, which seems like a bad deal. Can I buy the equip...
by paulsiu
Sun Oct 26, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 2423

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

I looked into this recently before Apple pay came out. It's not difficult to pay using a credit card. One draw is that it's cool and neat to pay using your phone, but that's hardly a reason to use it. My thought is if it offers additional features. For example Apple Pay promises to be more secure, a...
by paulsiu
Thu Oct 23, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9066

Re: How would one negotiate with daycare?

Update. After a exhaustive search through daycares in neighboring towns, we were able to locate a few with openings. We have decided to enrolled my kids at a different daycare. The last email indicated that the original daycare have no idea when they will open and they have failed at each deadline. ...
by paulsiu
Thu Oct 23, 2014 10:46 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3273

Re: Daycare educational material for 3 year old

Thank you everyone for their reply. Now I have a better idea to ask about the school's educational program.

Paul
by paulsiu
Thu Oct 23, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 823

Daycare educational material for 3 year old

I need some pointers on evaluating the education aspect of daycare for a 3 year old. What should I be looking for? The daycare tells me that they are state accredited and that they go beyond that, but I haven't figure out what that means. It's easy enough to evaluate the facility's safety and teache...
by paulsiu
Thu Oct 23, 2014 1:47 am
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 823

Re: Preventing animals from chewing through garage threshold

While waiting for the garage people to get back to me, I stick a few glue traps right next to the hole so that any animal would have to crawl through the trap to get anywhere. So far, it's worked somewhat. I haven't gotten anything coming through except for flies and apparently worms (!?).

Paul
by paulsiu
Sun Oct 19, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1586

Re: Anybody ever reduce term coverage amount?

After reviewing my insurance, I realized that I am actually paying premium for life insurance at work. Based on calculation, the insurance at work is half the cost of the 30 year term life, but the coverage ends when I leave my work and probably convert to a crappy rate. By eliminating that policy, ...
by paulsiu
Sun Oct 19, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody ever reduce term coverage amount?
Replies: 16
Views: 915

Re: Windows XP

I still used my windows xp machine as a file server, but do not use it for internet use. I suppose it's possible to attack a machine while it's sitting around, but since I am not browsing on it, the risk is minimized. The XP box also has both Antivirus and Malwarebyte, the latter I run every once in...
by paulsiu
Sun Oct 19, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 64
Views: 3784

Re: Replacing primary sump pump - how difficult

I have been researching this topic some more. Here's what I learn so far. How the pump works Most pump used are the submersible type. This design allow cooling from the water and runs a bit quieter. Most will sit in some sort of well. In residential houses, the well are typically 18x24 inch (about 2...
by paulsiu
Sun Oct 19, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1117

Re: Anyone think the streamer commerical is ironic

Ha,

I totally miss the content of the commercial. That does make sense then.

Paul
by paulsiu
Sun Oct 19, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone think the streamer commerical is ironic
Replies: 3
Views: 636

Re: Replacing primary sump pump - how difficult

so the backup uses some sort of water float switch and the main pump has no switch. I am guessing that it's pressure based. It looks like a dome. My fear is that if I take out the primary, I will managed to wipe out the secondary. I should be able to take out the primary without disturbing the secon...
by paulsiu
Fri Oct 17, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1117

Anyone think the streamer commerical is ironic

There's a commercial where a financial firm had a bunch of people pull a streamer and the streamer at some point terminates indicating the age that they will die. I think the idea of the commercial is that you'll never know when you will die, so you should invest so that your asset will last. At thi...
by paulsiu
Fri Oct 17, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone think the streamer commerical is ironic
Replies: 3
Views: 636

Re: Relatively new here. What did you do in 2008/09

Thanks a lot Paul for the posts and perspective of living through it. I am always concerned how the stock market recovered with vengence after 2008 crash due to Fed stepping in. So this recovery is not a normal one and does not fit the bill of "mean reversion" that passive indexing relies...
by paulsiu
Fri Oct 17, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10168

Re: Relatively new here. What did you do in 2008/09

I'm not sure what the difference is between being fearful and not being able to take the hits. Just the emotional component? Otherwise they seem to lead to the same results. :confused The difference is that being fearful is an emotional response and the latter is a planned response. In the case of ...
by paulsiu
Fri Oct 17, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10168

Re: Anybody ever reduce term coverage amount?

You know, I am in the same boat. I have two kids, one is an infant, the other is 3. I purchased 3 policies. One for my wife for 30 years wasn't all that expensive (she's younger). One for myself for 20 years that was way more expensive. There's a 30 years policy on the way for 500K, but the premium ...
by paulsiu
Fri Oct 17, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody ever reduce term coverage amount?
Replies: 16
Views: 915

Replacing primary sump pump - how difficult

I notice that the primary sump pump may be dead. The reason I think this is because the alarm keeps going off everytime it rains. The alarm indicated the secondary sump pump is activating but the primary one is not. I looked in the well and can see that it's some sort of green dome like pump. My gue...
by paulsiu
Fri Oct 17, 2014 2:33 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1117
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