Search found 85 matches

by Nyc10036
Sun Mar 26, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings record
Replies: 5
Views: 546

Re: Social Security earnings record

Thank you.

I was curious since 2016 is the first year where earned income was almost exclusively from 1099 work.
by Nyc10036
Sun Mar 26, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings record
Replies: 5
Views: 546

Social Security earnings record

I worked 1099 company1 in 2016 except for one week with an employer1.

When does the self-employment taxes I paid show up in my Social Security earnings record?
by Nyc10036
Fri Mar 24, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 613

Re: Bank mobile e-payment to another person. Good as it seems?

Chase Quickpay, SquareCash, Venmo, PayPal. All free. All secure. All work flawlessly. I use all of them. I use Quickpay to handle business from my Chase business checking account. My business also accepts PayPal. SquareCash and Venmo are easy for splitting the check. Doesn't PayPal charge a % and a...
by Nyc10036
Tue Mar 21, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4048

Re: Inlaw Suddenly Wants Financial Security in 60's..

Maybe I am wrong, unlike a CFP with the fancy paperwork proclaiming their expertise, Bogleheads only have their sizeable assets to show that they too know something about investing. What is a Boglehead to do? Pull out his/her Vanguard statements? :P
by Nyc10036
Tue Mar 14, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 1878

Re: Anyone use coupon apps?

Ibotta - When I joined I took advantage of tie-in from Ibotta app to Boxed.com app for 15% (bought stamps) and the sign-up bonus and three receipt scans to get $22.51. But now I would have a lot of work to do to get to $20 since most of the rebates are for things I do not buy. Ebates - I am suppose ...
by Nyc10036
Sun Mar 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 2565

Re: Forced role change, what would you do?

Have you hit the ceiling salary-wise in your R&D role not just your company but at any company doing similar work? Many people coming out of college turn up their noses at "manufacturing". You seem to be belittling it compared to R&D. It may be actually harder than you think to suc...
by Nyc10036
Fri Mar 10, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re: Re-applying for same job?

Interested people act interested. This employer isn't interested in you. I have received similar treatment from prospective employers. My current employer has an unspoken policy of "blacklisting" employees who quit and later reapply to the company. I understand. But if you had read my pre...
by Nyc10036
Fri Mar 10, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re: Re-applying for same job?

The job was legit when I interviewed. One guy was leaving because his buddies were able to pull him into another company. He had been there only a few months.

Not sure what changed in the 6 months since the interview. :?:
by Nyc10036
Fri Mar 10, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re: Re-applying for same job?

Just wanted to update and say that I did not get a response. It was a long shot, but I am glad I tried. Thanks to everybody for there helpful advice. @Victoria - except for my ex-manager and ex-peer I do not know anyone else at the company. My ex-peer does have my latest resume and we did discuss at...
by Nyc10036
Sun Mar 05, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 3847

Re: The Joys Of Tax Season! :(

p it off I bought insurance on Healthcare.gov so I have had to file Form 8962 all 3 years. The ACA reporting can get messy. We see a lot of cases at TaxAide with mix of subsidies, exemptions. It really gets cumbersome when we have to explain and obtain total household income in some of the cases. T...
by Nyc10036
Sun Mar 05, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 3847

Re: The Joys Of Tax Season! :(

The last three years has been different, so it has been a new re-learning experience each year. 2014 was the first year I had significant 1099 income. 2015 was the first time my foreign tax paid was over $300 forcing me to file Form 1116. 2016 was the first time I had exclusively 1099 income except ...
by Nyc10036
Sun Mar 05, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 71
Views: 9024

Re: Just laid off - what to do

I work for a large MNC bank who has a big legal and HR depts handling layoffs and severance. Immediate Managers blame higher management for layoffs and everyone points to HR and Legal about policy issues. I am not sure what I can do about severance payment$ or duration. Any inputs are most welcome....
by Nyc10036
Thu Feb 23, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 3906

Re: Negotiate lowball offer? (new job)

I am working this job because I was out of work and just wanted something to do. Didn't need money that badly, just wanted a launching pad. Another reason I took this job was because it was easy to get and I absolutely hate hate hate looking for work. Based on this, I would negotiate the salary off...
by Nyc10036
Wed Feb 22, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Obamacare penalty
Replies: 19
Views: 1016

Re: Calculating Obamacare penalty

If this was my question I would fill out the form to discover the answer. Or, I would contact the IRS and ask them. Relying on forum members who may or may not be qualified to give tax advice is not the best idea. -- Tet PJW is actually quite knowledgeable about this subject. All her son has to do ...
by Nyc10036
Wed Feb 22, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Which version of QuickBooks for self-learning?
Replies: 2
Views: 215

Which version of QuickBooks for self-learning?

I want to learn QuickBooks.
It looks like I can download PLus version for a free trial but it looks to be the online version.
For the desktop PC version, I would need to buy Pro 2017.
Am I right?
by Nyc10036
Wed Feb 22, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 2770

Re: Household budget trim: next up is cell phone plan

Tracfone can be either Verizon or AT&T.
My mom's Tracfone purchased fromHSN is AT&T.
by Nyc10036
Wed Feb 22, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Overestimated income on 2017 ACA application
Replies: 4
Views: 357

Re: Overestimated income on 2017 ACA application

In Dec 2015 I renewed insurance on Healthcare.gov. Then about 2 weeks later I went in and changed my anticipated 2016 income. The premium went down $20, but Healthcare.gov shows that I cancelled my insurance. For some reason the readjustment messed things up. My 1095-A is wrong. I am waiting for it ...
by Nyc10036
Wed Feb 22, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7278

Re: Need advice on girlfriend debt/finances

Silk McCue wrote:So no cswenson - people can and do change.

Only if they want to. That is the key.
by Nyc10036
Wed Feb 22, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7278

Re: Need advice on girlfriend debt/finances

She does not overspend...not high maintenance, will not be a boat anchor. She just has not made good financial decisions, or had anyone who she could ask for decent advice. She has a 8k car with a 13k loan because the dealer took advantage of her. She did the deal by herself, and was proud that she...
by Nyc10036
Wed Feb 22, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6790

Re: Which puppy to buy: golden retriever or labrador retriever?

Caveat: I have a hard time going to shelters because it is hard for me to be around a bunch of stressed out animals. It's hard for me as a human, I can't imagine what it is like for the residents. With the abundance of rescues that work hard to pull death row animals there is often no need to go to...
by Nyc10036
Wed Feb 22, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Household budget trim: next up is cell phone plan
Replies: 30
Views: 2770

Re: Household budget trim: next up is cell phone plan

Ringplus went out of business.

Cricket =AT&T
Ting = Sprint
Consumer Cellular = ?

I am using Tracfone's Verizon.

You need to do your own cost analysis based on your own personal usage.
by Nyc10036
Tue Feb 21, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: When To Enroll in ACA (Obamacare)
Replies: 6
Views: 560

Re: When To Enroll in ACA (Obamacare)

You won't be able to enroll now. The open enrollment period has past.
You need a qualifying event such as when you actually lose coverage.
However, I would also look at COBRA.
by Nyc10036
Tue Feb 21, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6790

Re: Which puppy to buy: golden retriever or labrador retriever?

There are dog rescues devoted to purebreds.

One needs to make the small effort of Googling for them.

20% of dogs killed in shelters are purebreds. Their owners unprepared for when the cute puppy grows up.
by Nyc10036
Tue Feb 21, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 3906

Re: Negotiate lowball offer? (new job)

While the employer may not incur a cost by hiring without aid of temp agency, many do not do so because they do not have the staff to weed the candidates. Almost 90% of jobs I see online are from temp agencies who hire 20-somethings to "recruit". It is laughable the lack of expertise. It i...
by Nyc10036
Tue Feb 21, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 6253

Re: Desktop Computer - Still relevant? Good investment?

Last year I bought a small form factor Dell Optiplex on eBay.
Completely brand new.
The seller got a bunch when Sports Authority went out of business.

The DVD drive is like those found i in laptops. Onboard video. 1 hard drive.
by Nyc10036
Tue Feb 21, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 3906

Re: Negotiate lowball offer? (new job)

I would definitely negotiate but in a nonconfrontational manner, e.g. "I was thinking X"
But it is very possible they may take the job offer off the table.
When i worked contract, the rate was 2x.
by Nyc10036
Mon Feb 20, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 6843

Re: 20% bonds: why bother at 48?

I already did. You provided a broken hyperlink and the part you quoted only refers to people UNDER 55 that raided their retirement plans. It says nothing about people OVER 55 who may have been 10 years or more from their planned retirement. They are by far more likely to have been unable to find a ...
by Nyc10036
Mon Feb 20, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 14
Views: 2122

Re: Amazon free shipment down to $35

For small items, I found it cheaper to buy them on eBay.
I wasn't about to spend time finding things I didn't really need at the time to add to my shopping cart to get it over $49 to get the free shipping.
by Nyc10036
Mon Feb 20, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re: Re-applying for same job?

It's a simple email of "I noticed the job was posted" I have noticed that the job has been re-posted multiple times since my interview. :wink: Since its been a few months, it seems to be a good time to re-inquire. Part of their restriction is that the job at the minimum requires someone t...
by Nyc10036
Mon Feb 20, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Moving with expensive electronic equipment.
Replies: 15
Views: 1252

Re: Moving with expensive electronic equipment.

Packed in original box.
Moved by moving companies.
12x
Nothing broken.

I do agree about backing PC hard drives.
by Nyc10036
Mon Feb 20, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re: Re-applying for same job?

I left the company because I was laid because of "financial" reasons. Shortly after I was laid off they hired a manager who the other managers knew. They were clearing cap space to use a sports term. :annoyed When I interviewed in a few months back, an employee who had been there barely 3 ...
by Nyc10036
Sun Feb 19, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 4874

Re: Cheap, Non-Traditional Cell Phone Plans

Tracfone I have a Motorola E 2nd generation. It is supposed to be used on Verizon pre-paid which is expensive and way overkill for me. Last week I finally got around to buying service for it. Bought a Tracfone SIM kit at Target for $1. Inserted the CDMA micro SIM. Then I went online to buy 30 minute...
by Nyc10036
Sun Feb 19, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re: Re-applying for same job?

rob wrote:I think moving on is the best plan... why are you so interested in going back?

Hard to find a job in my field.
This company is 20 minutes from home vs 1 hr.
by Nyc10036
Sun Feb 19, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2639

Re-applying for same job?

Six months ago I had an in-person interview at a former employer. My new manager would be someone who was a peer when I worked there 13 years ago. I did not receive a rejection letter, but we all know what silence means. The job has been posted yet again on Indeed. is there any point in reaching out...
by Nyc10036
Fri Feb 17, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1664

Re: What to ask puppy breeder?

This post makes me very sad.
Millions of dogs die in shelters every year and yet people breed more.
by Nyc10036
Fri Feb 17, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: http://www.hp-drivers-download.com/?
Replies: 19
Views: 648

Re: http://www.hp-drivers-download.com/?

Subjecting yourself to security intrusion because there is not a driver for Windows7+ is shortsighted. I have yet to encounter a driver not provided by the manufacturer unless you are talking about Linux. Unfortunately I have seen many instances where HP will not release updated drivers for their p...
by Nyc10036
Fri Feb 17, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: http://www.hp-drivers-download.com/?
Replies: 19
Views: 648

Re: http://www.hp-drivers-download.com/?

Subjecting yourself to security intrusion because there is not a driver for Windows7+ is shortsighted. I have yet to encounter a driver not provided by the manufacturer unless you are talking about Linux. I look forward to your telling me where the link is to hp's driver for the Photosmart 3210s la...
by Nyc10036
Fri Feb 17, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: http://www.hp-drivers-download.com/?
Replies: 19
Views: 648

Re: http://www.hp-drivers-download.com/?

Subjecting yourself to security intrusion because there is not a driver for Windows7+ is shortsighted.
I have yet to encounter a driver not provided by the manufacturer unless you are talking about Linux.
by Nyc10036
Wed Feb 15, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of Broker and need help
Replies: 7
Views: 822

Re: Getting rid of Broker and need help

His 401k: Fidelity 500 Index
Her 401k: State Street S&P 500 Index, Vanguard bond index

Do not like anything in Her Rollover Cambridge
Better choices for inherited IRA

I use 3-fund portfolio.
by Nyc10036
Fri Feb 10, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 674

Re: Anyone RingtoTinging?

1. LG smartphone ported over to Tello before the Ting deal was announced. I sorta wanted to keep the telephone number even though I had 2 others.

2. LG tablet letting it ride to Ting.
by Nyc10036
Fri Feb 10, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 13
Views: 1026

Re: Extended Globus Europe Tour - Thoughts?

My wife and I are considering an extended 31 day Europe tour in May 2018 with Globus. Has anyone traveled with them? Thoughts? Recommendations? We are in our 50's and in good shape. I traveled with them on 2 week escorted tours. Other tour companies to consider are Trafalgar and Insight. This tour ...
by Nyc10036
Mon Jan 02, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Donating Laptop/Eliminate Personal Data
Replies: 14
Views: 1374

Re: Donating Laptop/Eliminate Personal Data

A donated laptop is rather useless without the Windows license. A new Windows 7 key will cost $90. A brand spanking new much faster laptop costs about $200. Some were $99 on Black Friday. One thing you will want to do is to create backup DVDs or USB stick of the Windows that came on the hard drive b...
by Nyc10036
Wed Nov 02, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 3636

Re: Personal Finance Question for the Retired

I am curious as to whether any of the retired here have found that their spending was lower than expected My spending is lower; but, my life is duller than dishwater. YMMV. I am not retired yet, but because I have periods of non-work in between contract jobs, I have not found what I would want to d...
by Nyc10036
Wed Nov 02, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: I - Bonds - converting
Replies: 13
Views: 1282

Re: I - Bonds - converting

Folks do it, but it would depend on what type of penalty you will pay - if previous 3 months of composite rate is zero, then penalty is zero, but if rate is say 1.5%, you'd lose .375 percent of interest. Also, if bond had accumulated a significant amount of accrued interest, does it pay to redeem, ...
by Nyc10036
Wed Nov 02, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: I - Bonds - converting
Replies: 13
Views: 1282

Re: I - Bonds - converting

I was told that I-bond I bought Jan 1, 2013 will get the higher interet rate on Jan. 1, 2017.
by Nyc10036
Tue Nov 01, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Astra Capital Management
Replies: 9
Views: 1078

Re: Astra Capital Management

I found Bogleism in 2009 when I was unemployed.
I adjusted my portfolio to the 3 fund portfolio utilizing Vanguard and Fidelity.
The simplicity of it is wonderful.
Haven't looked back.
by Nyc10036
Tue Nov 01, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Value of a pension? How to compare a job with a pension to an employer without one
Replies: 17
Views: 1756

Re: Value of a pension? How to compare a job with a pension to an employer without one

#Cruncher wrote:
Megasilver in original post wrote:... I want to get a better grasp on how much my pension is worth.



Discount rate for pension
Discount rate after stop contributing
Discount rate while contributing


What is the discount rate in layman's terms?
by Nyc10036
Tue Nov 01, 2016 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Value of a pension? How to compare a job with a pension to an employer without one
Replies: 17
Views: 1756

Re: Value of a pension? How to compare a job with a pension to an employer without one

Ron Ronnerson wrote: My salary is double what it was 10 years ago (went from $50k in 2006 to just a bit over $100k now).

I did not know teachers made that much money.

I am an EE and I never made over $100k and am now on the downhill slide.
by Nyc10036
Mon Oct 31, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1755

Re: How Long should Updates for Windows 10 take to load??

It has taken the entire afternoon to update my Windows 10 laptop = 5 hours

With this newest updates Internet Explorer is back.

I don't use this laptop but turn it on every month or so just for Windows updates.
by Nyc10036
Mon Oct 31, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Value of a pension? How to compare a job with a pension to an employer without one
Replies: 17
Views: 1756

Re: Value of a pension? How to compare a job with a pension to an employer without one

How many years of service have you put in?

What happens to your contributions if the pension goes belly up?

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