Search found 248 matches

by Nyc10036
Sat Dec 16, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3433

Re: Can/Should early retiree avoid ACA tax credits?

People may view them differently, but a deduction that lowers taxes by X dollars and a subsidy of X dollars have the same practical effect. Money is fungible. In the case of ACA, I actually think there was an intent to help early retirees. I would take advantage of any available subsidies without a...
by Nyc10036
Sat Dec 16, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3433

Re: Can/Should early retiree avoid ACA tax credits?

People may view them differently, but a deduction that lowers taxes by X dollars and a subsidy of X dollars have the same practical effect. Money is fungible. In the case of ACA, I actually think there was an intent to help early retirees. I would take advantage of any available subsidies without a...
by Nyc10036
Sat Dec 16, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 21
Views: 1982

Re: Takata Airbag Class Action Settlement

Took Element in twice for airbag replacement, once for drivers side, and a few months later for the passenger side. That was my experience as well. I haven't opted out, but not because I plan on suing on my own. If I get some $, that's fine, but I am expecting anything from this. I am simply thankf...
by Nyc10036
Tue Dec 12, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 1659

Re: prudent buying a refurbished laptop?

Not had a Chromebook - so can't comment specifically - don't know why a Chromebook refurb. would be any different than a Windows based one. On Black Friday I bought a used Acer Chromebook from an eBay seller with 100% feedback. I did a Powerwash and then try to log in with my Gmail email address. N...
by Nyc10036
Tue Dec 12, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 1659

Re: prudent buying a refurbished laptop?

http://outlet.dell.com has same 1 year warranty I bought my share of refurbished Dell Latitudes on eBay some from private sellers and some from companies that buy in bulk from corporations. And except for a Precision M6300 with known nVidia graphics IC issue, I have not had a single problem. Knock o...
by Nyc10036
Fri Dec 08, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4457

Re: Dollar Store Hacks

not hacks per se but ... made in USA Mead envelopes made in USA padded envelopes Christmas gift bags. Some of the designs are a bit cheesy but I am sure the children getting the gifts don't care. LR44 batteries timers that use the LR44 batteries made in USA blank note cards made in USA greeting cards
by Nyc10036
Tue Dec 05, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1563

Re: Running Linux vs Other OS?

mindboggling wrote:
Tue Dec 05, 2017 2:03 pm

Currently using the Opera browser, but have used Firefox and Chrome.
You may want to consider Vivaldi web browser. The people starter Opera started it. :happy
by Nyc10036
Mon Dec 04, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Amazon FreeTime on tablets
Replies: 7
Views: 664

Re: Amazon FreeTime on tablets

Amazon's website makes it look like FreeTime is access controls and FreeTime Unlimited provides the content. See Set Up Amazon FreeTime vs About Amazon FreeTime Unlimited Thank you for that first link! Very helpful! I am wanting to gift an Amazon Fire tablet to a 16-year old child who I am told liv...
by Nyc10036
Mon Dec 04, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Amazon FreeTime on tablets
Replies: 7
Views: 664

Re: Amazon FreeTime on tablets

Amazon's website makes it look like FreeTime is access controls and FreeTime Unlimited provides the content. See Set Up Amazon FreeTime vs About Amazon FreeTime Unlimited Thank you for that first link! Very helpful! I am wanting to gift an Amazon Fire tablet to a 16-year old child who I am told liv...
by Nyc10036
Mon Dec 04, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Amazon FreeTime on tablets
Replies: 7
Views: 664

Re: Amazon FreeTime on tablets

FreeTime is only $2.99 for Prime members. That being said, I think the access controls are free and the subscription is only for the content (FreeTime vs Freetime Unlimited.) I meant to type $4.99 for non-Prime. But I have been reading online, and I am not clear on whether I can use the access cont...
by Nyc10036
Mon Dec 04, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Amazon FreeTime on tablets
Replies: 7
Views: 664

Amazon FreeTime on tablets

It looks like I have to pay $4.99/month as Prime Member just to use the app.

If I don't want to pay it, what other options do I have to "lock down" the tablet for a child?
by Nyc10036
Sun Dec 03, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Want to start after school prep work for underprivileged
Replies: 14
Views: 1038

Re: Want to start after school prep work for underprivileged

Included in the category of underprivileged children would be foster children.
There are organizations to help children that are still in foster care as well as those that age out of foster care.
Eighteen years old and these kids are out on their own. No family to guide them.
by Nyc10036
Sat Dec 02, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an index
Replies: 10
Views: 998

Re: For a single person if I stay under $48,240 or FPL of 400% would it be ok to sell some gains to move them to an inde

rec7 wrote:
Sat Dec 02, 2017 5:28 pm
Anybody else doing this?
If all you need to do is stay below 400% of FPL, I don't see why not?

And yes, I would target $45K just to be safe.
by Nyc10036
Sun Nov 26, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Help my kids pick a charitable cause
Replies: 19
Views: 755

Re: Help my kids pick a charitable cause

Remember anything over $250 per charity requires further documentation to IRS.


Farmed animal charities. They will see where all their steaks, etc come from. It isn't pretty.
by Nyc10036
Sat Nov 25, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Windows 10 file backup
Replies: 9
Views: 838

Re: Windows 10 file backup

For whatever it's worth - I have an older (2014) Seagate portable drive (Slim) and had to migrate away from Seagate Dashboard for that same reason. I'm very satisfied with that Windows 10 File History feature and have been using it since migrating to Win 10 - with no issues. I too just use it for d...
by Nyc10036
Sat Nov 25, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Windows 10 file backup
Replies: 9
Views: 838

Re: Windows 10 file backup

Remember that backing up your files only gets you half-way. The more important part is to restore what's backed up. The most reliable backup (and restore) is the one that comes with your operating system. Has your friend used the "Backup and Restore (Windows 7)" supplied as part of the Control Pane...
by Nyc10036
Sat Nov 25, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10 file backup
Replies: 9
Views: 838

Windows 10 file backup

A friend of mine has a Seagate Free Agent GoFlex. Apparently Seagate Dashboard is incompatible with Windows 10 and Seagate's suggestion is to use Windows 10 File History feature. He does not want to make a system image backup just back up data files. Not my preference but it is his decision. Any got...
by Nyc10036
Thu Nov 23, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9283

Re: Beware Amazon Price Gouging

SrGrumpy wrote:
Thu Nov 23, 2017 3:22 pm
"Price gouging" is when your local 7/11 triples the price of water and batteries after a natural disaster. If you don't like Amazon, don't click. Simple as that.
If you don't click, how is one to comparison shop?
No need to get so defensive about Amazon. I am sure they are doing very well.
by Nyc10036
Thu Nov 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9283

Re: Beware Amazon Price Gouging

I usually check around but if the price is close, I often go back to AMZ because delivery is fast - we have a huge AMZ distribution center about 1.5 hours away. I have three warehouses 45 minutes radius. Useless without Prime. Amazon sits on the order for 5 business days (7 days counting weekends) ...
by Nyc10036
Wed Nov 22, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12146

Re: Help DW gets fired, but then next day her boss offers her job back

If it were me, I don't think I would ever go back. Her boss fired her and want to hire her back at less pay and less benefits. They have vicious intentions. Keep a copy of the pink slip and new offer, it might help her explain things when looking for a new job. No pink slip! He said. She said. May ...
by Nyc10036
Wed Nov 22, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12146

Re: Help DW gets fired, but then next day her boss offers her job back

The state will verify with the employer.
Happened to me 2 years ago.
Since the layoff was verbal, they can claim that no such thing happened.

Demand same salary. Do not breathe a word about collecting unemployment to the employer..
Just say you need to be paid the same as before.
by Nyc10036
Mon Nov 20, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 19
Views: 1616

Re: HelloFresh meal boxes - disputing credit card charge

I did the promotional meal box and it was clear to me that I needed to act by a certain date or my service would be continued and my credit card would be charged. I prepared and ate the free meal, decided that I was not interested in the service and canceled ASAP. I got no charge on my credit card ...
by Nyc10036
Sun Nov 19, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: ACA premiums and impact to SS timing
Replies: 5
Views: 524

Re: ACA premiums and impact to SSI timing

SSI = Supplemental Security Income

are you talking about that or Social Security?
by Nyc10036
Sun Nov 19, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Credit card protection vs. PayPal ?
Replies: 7
Views: 548

Re: Credit card protection vs. PayPal ?

The company being paid by Paypal does not know your c.c. #
by Nyc10036
Fri Nov 17, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2859

Re: Risks of Non-ACA Compliant Health Insurance?

Just get the Bronze then.
I am not understanding what is the big deal?
by Nyc10036
Thu Nov 16, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12689

Re: Request for Promotion letter to Senior Management

mrc wrote:
Thu Nov 16, 2017 6:09 pm
Palatineman wrote:
Thu Nov 16, 2017 5:51 pm
<snip>
Maybe you could send your resume in and we can see if there is an open position for the skills and experience you have acquired over the years.
I've changed my mind about the letter from the OP. I think Palatineman should go ahead and send it, as is.
ROTFL!!!!
by Nyc10036
Thu Nov 16, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Amazon tablet educational children games
Replies: 2
Views: 194

Re: Amazon tablet educational children games

The tablet is brand new but not a kid tablet.
Good to know.
The parent will need to put in some sort of parental control.
by Nyc10036
Thu Nov 16, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Amazon tablet educational children games
Replies: 2
Views: 194

Amazon tablet educational children games

I have a brand new previous generation Amazon tablet.
Can someone tell me if there are a lot of educational children's apps available in the Amazon AppStore?
A local charity was looking for a donation of a tablet for a 6 year old.
by Nyc10036
Thu Nov 16, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 34
Views: 2002

Re: Portfolio Review

Roth IRA $45000 (VTSAX) $30000 (VTIAX) 401k $22800 (VGSTX) $53200 (VBTLX) So, if I am reading your portfolio correctly, I should consider having more bonds than STAR fund? I did put all four funds in the Morningstar X-ray and it came up with the following: Cash 2% US Stocks 52% Foreign Stocks 16% B...
by Nyc10036
Thu Nov 16, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 34
Views: 2002

Re: Portfolio Review

Roth IRA

Code: Select all

$45000 (VTSAX)
$30000 (VTIAX)
401k

Code: Select all

$22800 (VGSTX)
$53200 (VBTLX)
by Nyc10036
Thu Nov 16, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12689

Re: Request for Promotion letter to Senior Management

The more you post the more clearly your lack of EQ comes very clear.
In corporate America EQ is more important than IQ.

4 years does not equate to 17 if you were to retire at 65.
by Nyc10036
Thu Nov 16, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12689

Re: Request for Promotion letter to Senior Management

Duh! Of course wait to get your bonus etc!
No Boglehead is going to give that up.

And so what?

You get the bonus and then you are going to decide what to do then????

It seems pretty clear you do not need to be waiting until then to decide your next move. LOL.
Talk about hopeless case.
by Nyc10036
Thu Nov 16, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12689

Re: Request for Promotion letter to Senior Management

No more cheerful mood than you are!

You have been given much great advice which you have completely rejected and now seem to be pinning your hopes on March 2018. No wonder you are where you are.
by Nyc10036
Thu Nov 16, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12689

Re: Request for Promotion letter to Senior Management

That you would think 4 months from now that you will get a different outcome makes this a palm to forehead moment. :oops:
by Nyc10036
Thu Nov 16, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12689

Re: Request for Promotion letter to Senior Management

That last reply by the OP demonstrates very clearly to us what his colleagues see on a day to day basis. SMH.
by Nyc10036
Wed Nov 15, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6904

Re: Sobering article for my 25 year old self

Folks, IMHO, the real sobering thought for a 25 years person is that for many people, it is unlikely that they will be continuously fully-employed until retirement age. They are likely to be unemployed for 6 months to 1 year if not longer. Recessions will occur regularly. They will be affected by o...
by Nyc10036
Wed Nov 15, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6904

Re: Sobering article for my 25 year old self

I may not have saved 50% in my younger days, but I am glad I saved 20-25%.
After I hit age 50 I have found jobs are harder come by.
by Nyc10036
Tue Nov 14, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Buying a new smartphone as a surprise gift
Replies: 8
Views: 832

Re: Buying a new smartphone as a surprise gift

Absolutely do not do this! Unless, of course, you will also pay the additional monthly cost for them! Keep in mind that this person may have been on Verizon for at least a few years and may have the old basic phone plan. By moving to the iPhone or any other smartphone, their bill could increase sig...
by Nyc10036
Sun Nov 12, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3617

Re: Chromebook vs Windows 10?

I have a Chromebook and I like it a lot for web surfing.

The cheap Windows 10 laptops come with 32 GB or 64 GB of hard drive. I doubt you will be able to install Office on it.
by Nyc10036
Sun Nov 12, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1763

Re: Windows 10 System image on USB flash drive

I have two backup hard drives!
by Nyc10036
Sun Nov 12, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1246

Re: Frontier Flight Fees

Four years ago I flew one way with them.
Even after paying extra for a seat with more legroom, it was still 1/2 the fare of United.

Just know that may only one flight a day and not necessarily every day, so if there are issues you can be stuck at a non-hub airport.
by Nyc10036
Sun Nov 12, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1763

Re: Windows 10 System image on USB flash drive

Clonezilla is Linux-based and I have used it for about 10 years.

There are a couple of Windows-based programs that are mentioned when this subject comes up.
by Nyc10036
Sun Nov 12, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1763

Re: Windows 10 System image on USB flash drive

I created a "Recovery" USB flash drive using Control Panel. Took up 9.11 GB of 16 GB. Did not try to create a whole system image. I also back up all my data using a 2 TB Seagate "Slim" external drive. These precautions help me sleep well at night. I am unsure of what a recover disk actually is. Wha...
by Nyc10036
Sat Nov 11, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 4200

Re: Anyone used Zelle?

I am talking about the Zelle app. I haven't downloaded so I cannot say, but their website seems to imply that it is to be used by people's whose banks don't belong to Zelle yet. I just tried. It won't work with my Fidelity debit card. Yeah I could be mistaken, but I think your bank has to be a Zell...
by Nyc10036
Sat Nov 11, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Windows 10 System image on USB flash drive
Replies: 27
Views: 1763

Re: Windows 10 System image on USB flash drive

I think Windows has an issue with using USB flash drives for back up.
I use Clonezilla (Linux-based) and back up the hard drive image to a 2TB Western Digital USB hard drive.
by Nyc10036
Sat Nov 11, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 4200

Re: Anyone used Zelle?

As I understand it, the smartphone app is for when the other person's bank does not have Zelle. That's incorrect. I sent money using my TD Bank app to a friend who uses USAA, another Zelle bank. My phone can just access my contacts and send the money using the phone number I have stored. I would im...
by Nyc10036
Sat Nov 11, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 37
Views: 4200

Re: Anyone used Zelle?

Is Zelle limited to transactions initiated from an app downloaded to a smartphone, or can you do it from a desktop PC? Seems like a silly limitation, but it does seem to be one of its limitations. I have it set up with TD Bank. I log in on my desktop PC. I would hate having to do things on my 4.5" ...
by Nyc10036
Fri Nov 10, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2551

Re: PayPal alternative?

There is no Paypal fee if you are sending money to a friend, even with a credit card. That is simply NOT true from my experience. I have done dozens of transactions this year. After a brutal experience with Paypal and a linked bank account, I absolutely refuse to link any bank account to my Paypal ...
by Nyc10036
Fri Nov 10, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16076

Re: New HSA provider Lively offers investments for $30/yr fee

What about SelectAccount?
They are my second choice behind Lively.