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Food stamps

I'm helping a retired friend who is in bad shape financially. Can a person making $1300 a month from social security get food stamps, and is it worth doing? Please no politics, just the facts. If you don't approve of food stamps just don't post.
by tc101
Fri Nov 14, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Food stamps
Replies: 8
Views: 1658

Re: Rebalancing quarterly beats yearly, monthly, or never

There are so many studies showing so many different results. I guess it doesn't make a real big difference one way or the other.

Thanks for the links and thoughts.
by tc101
Tue Nov 11, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing quarterly beats yearly, monthly, or never
Replies: 11
Views: 1099

Rebalancing quarterly beats yearly, monthly, or never

According to this guys research, rebalancing quarterly beats rebalancing yearly, monthly, or never.

http://www.marketwatch.com/story/the-ri ... -18?page=2

Is there other, better research out there, with other results?
by tc101
Tue Nov 11, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing quarterly beats yearly, monthly, or never
Replies: 11
Views: 1099

Re: What would you do about Comcast over billing?

To find the data usage, go to My Account > My Services tab > click Xfinity Internet > scoll down (https://customer.comcast.com/MyServices/Internet)


Thanks. I didn't know you could do that. Mine has only been 58GB per month for the last 3 months.
by tc101
Fri Nov 07, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1033

Re: What would you do about Comcast over billing?

I also have Comcast. I went to our My Account page to try to look at my own data usage, but I can't find it anywhere.
by tc101
Fri Nov 07, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1033

Re: What would you do about Comcast over billing?

Dispute the Comcast charge, don't pay it, and help her get her service secured.


How would you do that?

If this is legitimate it may be because of a virus sending spam from her PC.


Interesting possibility. I had not thought of that.

How much was her original data cap?


300GB
by tc101
Fri Nov 07, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1033

What would you do about Comcast over billing?

I do volunteer work helping refugees learn English and understand our culture. Today a Burmese woman asked me to help her fix her comcast bill. They billed her $10 for 50GB extra usage. She said they use the internet very little and watch netflixs an hour a day average and should not have this charg...
by tc101
Fri Nov 07, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1033

Re: Uber Car and the real cost of driving

I had a driver take the long way one time, but it only added $4 to the bill so I didn't complain. I thought it might have been an honest mistake, or maybe he knew more about traffic pasterns and took the longer route to save time. Here is an interesting story about how Uber just starts operating eve...
by tc101
Fri Nov 07, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2752

Re: Uber Car and the real cost of driving

They are not getting paid while they drive around looking for rides.


In my part of Atlanta, they usually park while waiting for a ride. It would depend on the availability of free parking.
by tc101
Fri Nov 07, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2752

Re: Uber Car and the real cost of driving

The guy I talked to last night said the car had to be 2009 or newer, or 5 years old or less. Maybe that varies from city to city. The car also has to have 4 doors. I would guess you would pocket somewhere in the neighborhood of 10-15 an hour after expenses. If you are out of work, that sure would be...
by tc101
Fri Nov 07, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2752

Uber Car and the real cost of driving

I was talking to an Uber Car driver last night. He said the driver makes about a dollar a mile driving, and that he was happy with that. He said that although the government allows a 55 cent a mile deduction for driving expenses, the real cost to him was only about 20 cents a mile. I think the real ...
by tc101
Fri Nov 07, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2752

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

What I am looking for is a cheap phone to sit in my glove compartment for emergencies if my other phone is broken or left at home. The phone listed above was the popular at Amazon.
by tc101
Tue Nov 04, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Is this $20 pre paid phone from Amazon a good deal?
Replies: 13
Views: 1116

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

This is an LG that is tracfone. This sure seems like a good deal. Is there a catch?

http://www.amazon.com/Optimus-Dynamic-A ... ell+phones
by tc101
Tue Nov 04, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Is this $20 pre paid phone from Amazon a good deal?
Replies: 13
Views: 1116

Re: Netflix: how long broken?

Working fine here. Do a google on "Netflix down" or something like that. There are web sites that give details about the outages at major sites.
by tc101
Mon Nov 03, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Netflix: how long broken?
Replies: 13
Views: 2141

Re: Good book on Quickbooks

The single most important thing to remember is that it is a true double-entry bookkeeping system. That isn't readily apparent when you perform a given task in a register, but it is extremely important to develop an understanding of what is taking place in the background (the offsetting register). Y...
by tc101
Sun Nov 02, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Good book on Quickbooks
Replies: 8
Views: 573

Good book on Quickbooks

My wife has a legal practice and is using Quickbooks premier professional services 2012. I need to learn the basics. The book in the link below on Quickbooks 2015 is a bestseller at amazon. Is there enough difference between Quickbooks 2012 and 2015 that this would not be a good book? It there anyth...
by tc101
Sat Nov 01, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Good book on Quickbooks
Replies: 8
Views: 573

Re: Store or cut up un-needed credit cards?

I have had some cards for years with no activity and they don't get closed. The companies send me new cards.
by tc101
Sat Oct 25, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Store or cut up un-needed credit cards?
Replies: 28
Views: 2535

Re: Airline carry on limits

I'm back from my trip to Boulder. I haven't flown anywhere in at least 5 years and I will say that air travel is no fun. However, the existence of Uber Car and the GPS on my phone sure do make getting around a lot more easy and fun. Air travel is so unpleasant but the experience of being in a new pl...
by tc101
Tue Oct 21, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

OP, Don't dilly dally when your zone is called getting on the plane and there should be plenty of room for your stuff. No need for anxiety about it. My experience was a comical rarity.


Is my anxiety showing? I haven't flown in years, and I am a little nervous about it.
by tc101
Tue Oct 14, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

So far as what might get you stopped by security, is a big bottle of vitamin pills going to be a problem?
by tc101
Tue Oct 14, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

I've concluded that your carry-on backpack method is the way to go


Sounds tempting, but I'm 65 with foot and back problems so I will stick with the rolling suit case. I remember in my 20's spending 2 years traveling around the world with a back pack. Those were the days.
by tc101
Tue Oct 14, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

American offers what they call "Main Cabin Extra" seating, for an extra fee that is tacked on to coach fare. Delta has something called priority seating, but I don't think I qualify To qualify for priority seating, a passenger must have a full-fare, refundable ticket or elite frequent fli...
by tc101
Tue Oct 14, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

Can you take food on airplanes? Snacks like nuts and raisins?
by tc101
Tue Oct 14, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Considering a more aggressive AA than age = bonds

I am 65 and retired. I am 50/50, but have some additional money, about 25% of net worth, invested in real estate investments with my brother.
When the stock market was heading up I thought I should have more in stocks.
When it was crashing I thought I should have more in bonds.
by tc101
Tue Oct 14, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering a more aggressive AA than age = bonds
Replies: 41
Views: 3525

Re: Airline carry on limits

[quote]Additionally, on some narrow-body domestic aircraft (like the MD-80/88/90) a full-size rollaboard will fit on one side (over the 3-person configuration) and not the other (over the 2-person configuration). [/quote I am on the MD-90 going, and am seated on the side with 2 seats, so will try to...
by tc101
Mon Oct 13, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

Do you know what kind of plane you will be on and how full it will be?


McDonnell Douglas MD-90 going and Boeing 737-900 Passenger returning. On both flights I have an aisle seat near the back. Both flights are almost totally full.
by tc101
Mon Oct 13, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

In July I took a Delta evening flight from San Diego to San Juan via JFK, the flight was packed and before boarding the plane everyone was given the opportunity to check in the baggage for free, that was a good deal. But then you still have to wait for it at the baggage return don't you? That waste...
by tc101
Mon Oct 13, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

Thanks for the info. Another related question. I know the last people loaded on the plane sometimes can't get overhead storage. I am sitting towards the back of the plane. Does that mean I will be getting on first, or last?
by tc101
Mon Oct 13, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Re: Airline carry on limits

Alternately I have an even smaller carry on roller bag that I could use, but then I would need some flexibility on what they call the personal item. I could use a little day pack that is the size of a
big woman's purse. Would they let me carry that on?
by tc101
Mon Oct 13, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Airline carry on limits

Here is Delta's carry on limit info http://www.delta.com/content/www/en_US/traveling-with-us/baggage/during-your-trip/carry-on.html They say "you’re allowed one carry-on bag and one personal item at no extra charge." "Baggage may not exceed 45 linear inches (or 114 cm) in combined len...
by tc101
Mon Oct 13, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3269

Do you every turn your smart phone off?

According to this article, "5 Phone Charging Myths, Debunked" http://mashable.com/2014/06/18/phone-charging-myths/#:eyJzIjoiZiIsImkiOiJfNGQ1M2J5eGtvd2l6Y2huYyJ9 it is a myth that you don't need to turn your phone off. It is good to turn it off every night, or at least once a week. Do you d...
by tc101
Sun Oct 12, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2012

Re: Changing a flight date

Thanks for the info. Next time I will fly Southwest.
by tc101
Thu Oct 02, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1625

Re: Changing a flight date

Lesson learned - buy tickets directly from the airline.


Somebody else told me the same thing. Like you said, lesson learned. I haven't flown in a at least 5 years, but may be starting a time of frequent travel, so this loss is not a big deal, just a learning experience.
by tc101
Thu Oct 02, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1625

Re: FDIC insurance on CDs when banks merge

Thanks Phineas. I assume that would also be true for brokered CDs.
by tc101
Thu Oct 02, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: FDIC insurance on CDs when banks merge
Replies: 7
Views: 347

FDIC insurance on CDs when banks merge

If I have $250K in CDs in each of two different banks, and the banks merge, would the full $500K in CDs be covered by FDIC insurance?
by tc101
Thu Oct 02, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: FDIC insurance on CDs when banks merge
Replies: 7
Views: 347

1% on PNC MMF over $20K

I just got an email from PNC offering 1% on MMF if over $20K. That is more than I am getting at Ally, but probably not worth moving the money. It would be a good deal for anyone who want a brick and mortar bank with a higher interest rate.
by tc101
Thu Oct 02, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: 1% on PNC MMF over $20K
Replies: 0
Views: 154

Changing a flight date

I got a round trip flight from Atlanta to Denver. I bought the flight on Orbitz. The airline is Delta. If I want to stay longer in Denver and change my return flight, how hard is that, and how expensive? Should I contact Delta or Orbitz to make the change? Another related question, and this shows th...
by tc101
Thu Oct 02, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Changing a flight date
Replies: 24
Views: 1625

Re: Online privacy and smartphones

It really astonishes me how much people are allowing their privacy to be invaded. 1984 is here, just a little late. Recording cameras everywhere (I'm on candid camera in my yard, let alone public places, due to the neighbor's outside cameras), all telephone calls recorded, all Internet traffic reco...
by tc101
Sun Sep 28, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1421

Re: Online privacy and smartphones

This article by Clark Howard was very helpful. I am not as alarmed as when I started this thread.

http://www.clarkhoward.com/news/clark-h ... ger/ngzMD/
by tc101
Thu Sep 25, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1421

Re: Online privacy and smartphones

I downloaded Facebook, Twitter, etc and they all pretty much have a laundry list of things they access.


So like most everybody, you decided that the convenience of the app outweighed the loss of privacy. I guess I feel the same, until someone convinces me otherwise.
by tc101
Thu Sep 25, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1421

Re: Online privacy and smartphones

So if you use a smart phone there are a lot of corporations out there who know where you are, can look out through your camera, can read all your email, your calender, your contacts, view all your photos, everything. Does this matter? Does it matter enough to stop using smart phones? Who has been hu...
by tc101
Thu Sep 25, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1421

Online privacy and smartphones

First I will ask a very specific technical question, and then in the next post I will go into a more general discussion of online privacy When you install uber car on an android smart phone, it asks for permission to access storage and location, which I understand, but also my camera, phone calls, c...
by tc101
Thu Sep 25, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1421

Re: What to do with small variable annuity at Vanguard?

If you die at 75, it's a bad deal; if you live to 95, it's great. If the income stream would help make your monthly expenses, it's a safer way to go. I plugged age 65 and $25,000 into http://www.immediateannuities.com and got $139/month for a male and $132/month for a female. Those are both lower t...
by tc101
Thu Sep 25, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with small variable annuity at Vanguard?
Replies: 3
Views: 258

Re: Fed: Do I need long term disability insurance?

Lots has been written here over the years about long term disability insurance. Read some of the old threads. I came to the conclusion that it is not a good idea. I wrote about that in detail in old threads.
by tc101
Thu Sep 25, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed: Do I need long term disability insurance?
Replies: 9
Views: 560

What to do with small variable annuity at Vanguard?

I am about to turn 65. I have a variable annuity at vanguard with about $25K. This is from an old annuity my father bought for me when I was a kid, that I rolled over to Vanguard 20 years ago. If I annuatized it at 65 I would get about 7.5% return for life. I would be 78 before I even got the princi...
by tc101
Thu Sep 25, 2014 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with small variable annuity at Vanguard?
Replies: 3
Views: 258

Re: inherited 500k, still a college student, how to invest??

Warning. Be very careful. I am 64. Everyone I know who inherited large amounts of money in their 20's was hurt by it. They started out with good intentions but eventually they all ended up not working and living off the inheritance. When the money ran out in their 30s or 40s or 50s they had no job e...
by tc101
Sun Sep 21, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5945

Re: Professional gambler in unique investment situation

In a worst case scenario, I don’t see myself losing over €80,000 over one year. I spend about €40,000 per year. What if you did lose €80,000 one year, then €70,000 the next year, then €80,000 the following year? Would you keep going? If you put half your money into a target retirement fund and kept...
by tc101
Sun Sep 21, 2014 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Professional gambler in unique investment situation
Replies: 23
Views: 3867

Re: how to prevent medical expense catastrophe?

If you have insurance with maximum out of pocket, is this a problem? Not necessarily a problem for your pocket, except that there is a higher out of pocket max for out of network, and in my case, it's tallied separately. In my case, it could mean an additional $7,000. But, the larger picture is the...
by tc101
Sun Sep 21, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8041

Re: how to prevent medical expense catastrophe?

If you have insurance with maximum out of pocket, is this a problem?
by tc101
Sun Sep 21, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8041

Re: Signing up for medicare Oct 1

Some of them provide some additional extras in addition to what the govt requires them to provide. For example AARP has a free nurse hot line, silver sneakers membership, and some kind of eye care benefit.
by tc101
Fri Sep 19, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2993
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