Search found 114 matches

by Nyc10036
Wed Jun 21, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16322

Re: Siblings in disagreement over mom's house.

An inanimate object is not going to "keep a family together".
Foolish assumption on the part of those who have that belief.

And the OP's siblings should remember their mother in the memories they have for her and not by clinging to a house. Their mom is not that house.
by Nyc10036
Mon Jun 19, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Must enroll in employer health insurance?
Replies: 4
Views: 453

Re: Must enroll in employer health insurance?

Thank you for that into!
by Nyc10036
Mon Jun 19, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Must enroll in employer health insurance?
Replies: 4
Views: 453

Re: Must enroll in employer health insurance?

This new job is so low-pay that even if I work a full year I would eligible for subsidy based on income
by Nyc10036
Mon Jun 19, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Must enroll in employer health insurance?
Replies: 4
Views: 453

Must enroll in employer health insurance?

I am currently purchasing health insurance through the Exchange.

I will be starting work on Monday at a job that offers health insurance after 90 days.

Am I required to enroll ?

I am currently with Horizon Blue Cross Blue Shield of NJ.
by Nyc10036
Wed May 24, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 988

Re: Saving Baby bunnies

You ensure that the mom finds them by *not* moving them.
Watch over them and make sure they are safe from predators.

The Humane Society will not be able to help them. Contact a wildlife rescue.
by Nyc10036
Wed May 24, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 988

Re: Saving Baby bunnies

I belong to a wildlife rescue.

Google this. it is clear what you should do.

The Humane Society or local animal rescue deal with domesticated animals. These rabbits are wild.

Contact a wildlife rescue if mom does not return.
by Nyc10036
Wed May 24, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 988

Re: Saving Baby bunnies

No. no. No.

Do not disturb. Wait for mom to get back!
PLEASE!!!!
by Nyc10036
Wed May 10, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3389

Re: What to do with older laptop?

I would suggest keeping Windows.

Defrag your hard drive.

LinuxMint let's yoiu try first before permanently installing.

Know how to get into BIOS so that you set your laptop to boot from USB and not from the hard drive.
by Nyc10036
Tue May 09, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3389

Re: What to do with older laptop?

I would install Linux and possibly add 1 GB to it.
You will end up with a nice secure laptop to use to log into all your financial account websites.

Take a look at Linux Mint with Xfce. It is lightweight desktop environment.
by Nyc10036
Sun May 07, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3220

Re: How to get out of a apartment renter lease? They want $3,600

Water under bridge now, but would have tried to negotiate with landlord before you actually notified them you were moving. Advance notice may have made it easier for them to rent the place and you'd likely only be out the deposit. That would presume that the OP would want the landlord showing the a...
by Nyc10036
Sun May 07, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3220

Re: How to get out of a apartment renter lease? They want $3,600

jalbert wrote:The apartment may only sit vacant for 2 weeks.

2 weeks is not reasonable given that there are credit check etc.
The new tenant also has his/her own lease. He/she will sign the lease to start when they need it to.

My experience as a renter is that 1 month is more the norm.
by Nyc10036
Sun May 07, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3220

Re: How to get out of a apartment renter lease? They want $3,600

I have rented in NJ.
The OP is getting off easy for $3600 to break a lease.
Unless he has his entire family living in a studio apartment, the rent for a 2 bedroom apartment is not cheap. I was paying $1600/month 5 years ago.
by Nyc10036
Sun May 07, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 3775

Re: Job Decision

If it is a matter of two years and financial freedom, I would take the job. At my last fulltime job with benefits, I hated my job almost as soon as I started. I made the decision to work the 1 year I would need to be vested 20% in the 401k. The 20% was not much really, but it gave me a goal. Then I ...
by Nyc10036
Sat May 06, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1400

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

I had Wells Fargo in NJ.

After about a year, I requested and received approval for removal of the escrow. I hated that I wasn't in control of paying my property taxes.
by Nyc10036
Tue May 02, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 3757

Re: I'm kinda sorta in the 2-comma club

Congratulations!

And I love your avatar of your cat.
by Nyc10036
Mon May 01, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Buying and viewing Amazon UK videos
Replies: 1
Views: 209

Buying and viewing Amazon UK videos

I am watching an Australian TV series.

Season 4 is not available on Amazon.com, but it is available from Amazon.co.uk

I have the Amazon Video app on my Roku but it appears to be tied to Amazon.com

How do I go about buying and then viewing the videos on Amazon.co.UK?

Or am I out of luck?
by Nyc10036
Wed Apr 19, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Fidelity card 2% but NOT as statement credit
Replies: 27
Views: 2686

Re: Fidelity card 2% but NOT as statement credit

As others have stated, redeem to Fidelity's "core" account which is basically money market then transfer to linked checking account. One extra step.

I actually prefer this to Citi's 2%.
by Nyc10036
Tue Apr 18, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9586

Re: Why would anyone want to buy bond funds?

If I understand your argument it is that: 1) stocks are better for the long haul historically 2) therefore you should invest in 100% stocks at all times I agree with point 1. I'm baffled by point 2. If one invests for 100% stocks in one's accumulating years and has accumulated by retiremente enough...
by Nyc10036
Mon Apr 17, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: First Full-Time Job: Need Help Picking Funds
Replies: 21
Views: 1369

Re: First Full-Time Job: Need Help Picking Funds

I would use
Vanguard Total Bond Market Index
Vanguard Institutional Index
Vanguard Mid-Cap Index
Vanguard Small Cap Index
to build my portfolio
by Nyc10036
Wed Apr 12, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: For CPAs or EAs, Incorrect 1095-A
Replies: 2
Views: 251

Re: For CPAs or EAs, Incorrect 1095-A

I received a 1095-A form (Health Insurance Marketplace Statement) several months ago that was incorrect. I called the Health Insurance Marketplace phone number to inform them and they said they would send me a corrected form. I received the corrected form a few days ago but the information is the s...
by Nyc10036
Tue Apr 11, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2232

Re: Selling laptop with "bad" Win10 upgrade

Install Windows 7 and be good to go! Yes, if you have windows 10 don't you have upgrade rights to windows 7? You can buy a new PC with Windows 7 Pro installed because you have been granted downgrade rights from Windows 10 Pro. That is how Microsoft can have their cake and eat it too. Only with the ...
by Nyc10036
Tue Apr 11, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2232

Re: Selling laptop with "bad" Win10 upgrade

F150HD wrote:
if the machine was running Vista I can't imagine it's worth even selling or has any real value (dated hardware). One can get a brand new laptop for $200-$250.

Somebody will want it. it is a matter of price.
by Nyc10036
Tue Apr 11, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2232

Re: Selling laptop with "bad" Win10 upgrade

If it was an upgrade issue and you have the Windows 10 install disk, put the disk in, format the hard drive and reinstall Windows 10 clean. No reason to go back to Vista or Windows 7 if you already own Windows 10 for the laptop. I did a fresh install; that is what I meant when I wrote "upgrade...
by Nyc10036
Sun Apr 09, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2232

Re: Selling laptop with "bad" Win10 upgrade

Unfortunately Windows Vista loses security updates this month.
by Nyc10036
Sun Apr 09, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2232

Selling laptop with "bad" Win10 upgrade

I have an old Dell laptop for which the latest drivers are for Windows Vista. I upgraded it to Windows 10 Pro. It turns out that the major problem is that the login screen does not appear. It is a known problem. I basically have to hit Windows+P keys combination a few times. And then you see the Win...
by Nyc10036
Fri Apr 07, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5178

Re: Avoiding shafting my local merchants with card fees

@ nyc10036 "Cash" is generally construed as the same as "Good check" ( a term you see a lot at auctions, foreclosure sales, etc) Meaning, the merchant can take that check instantly to the bank and get their money. I actually had an old guy a couple years ago to mow my lawn. Sure...
by Nyc10036
Thu Apr 06, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5178

Re: Avoiding shafting my local merchants with card fees

Does cash include checks?

If it means really cash, I am not sure I would want to enable a business to avoid taxes by being able to not report that income.
by Nyc10036
Fri Mar 31, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5022

Re: Is Craigslist still the main site to sell stuff locally?

If you're in/near a major city, and you're not getting responses or not getting the offers you want, you're likely pricing stuff too high. Yes, you could perhaps get a higher "headline" price on ebay or the like, but after deduction of fees, shipping, etc, that price may not be so impress...
by Nyc10036
Fri Mar 31, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5022

Re: Is Craigslist still the main site to sell stuff locally?

Depends on what you are trying to sell. This. EBay charges 10% of final sale value (shipping not included) + a listing fee. Tack on another 3% from Paypal. You are out 15% right there. Shipping is expensive. It cost me $13 to mail a tablet from the east coast to Oregon. I much rather sell on Craigs...
by Nyc10036
Sun Mar 26, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Social Security earnings record
Replies: 5
Views: 683

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: 683

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: 806

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: 31
Views: 5651

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: 2278

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: 2829

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: 2837

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: 2837

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: 2837

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: 4511

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: 4511

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: 76
Views: 11800

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: 4233

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: 1171

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: 251

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: 3075

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: 442

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: 7917

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: 7917

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: 7555

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: 3075

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.

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