Search found 354 matches

by Nyc10036
Mon Apr 30, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7913

Re: Money vs. Work-life balance

Two weeks of vacation would be a deal breaker for me. I've never had less than four in any salaried job. Lucky you! In which field? Two weeks of vacation would be a deal breaker for me. I've never had less than four in any salaried job. Which field/location is this? Where I'm at, we start with 10 d...
by Nyc10036
Mon Apr 30, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7913

Re: Money vs. Work-life balance

In technology most companies start at least at 15 vacation + sick days, or a 20 day PTO pool if combined. Usually ramping up to 25-30 day caps after 10 years. Maybe in Silicon Valley, but not the case for any employer of mine except 1. I recently went on an on-site interview 10 vacation days to sta...
by Nyc10036
Mon Apr 30, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7913

Re: Money vs. Work-life balance

market timer wrote:
Mon Apr 30, 2018 9:30 am
Two weeks of vacation would be a deal breaker for me. I've never had less than four in any salaried job.
Lucky you!

In which field?

I have never had an employer - 6+ - give more than 3 weeks. And it was with 1 employer.
by Nyc10036
Mon Apr 30, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: finances for the semi-retired
Replies: 8
Views: 1394

Re: finances for the semi-retired

@carolinamen - I had not planned on being "semi-retired" so long. I took a few months off five years ago thinking that I would be able to find a full time job in my field but that has been elusive. @gotester2000 - Ideally I would like to have another $10K-$15K of income to feel secure in my finances...
by Nyc10036
Sun Apr 29, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: finances for the semi-retired
Replies: 8
Views: 1394

Re: finances for the semi-retired

@Watty Thank you for the links. I will be reading thoroughly tomorrow. I will be doing some Roth conversions for sure if I end up with no job this year. @TravelforFun Year 3+ I have 2 CDs one maturing 2020 and 2022 but they won't cover the yearly expenses. @Sandtrap Last year I wasn't able to give a...
by Nyc10036
Sun Apr 29, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: finances for the semi-retired
Replies: 8
Views: 1394

finances for the semi-retired

For the past 5 years I have been working sporadically with last year 2017 being the sparsest. Weeks of work = 10 in 2017. I thought I had a chance at a full-time direct position close to home recently (I really wanted the job) but it was not to be. I am thinking I have to get reaistic about structur...
by Nyc10036
Sun Apr 29, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help automating finances for low income sibling who is bad with money
Replies: 10
Views: 1378

Re: Help automating finances for low income sibling who is bad with money

Last year I volunteered for a few weeks in the accounting department of a non-profit set up to help developmentally-disabled adults. What they did was for the group home manager discuss with the individual what the anticipated expenses were for the upcoming month or 2 weeks - don't remember. They ga...
by Nyc10036
Sun Apr 29, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3387

Re: Favors for Family/Friends and Getting Compensated or Not?

So an example of favors are: ride to the airport (one hour round trip) moving (all day moving heavy furniture) babysitting all day every weekday painting interior of house home construction/repair jobs Again, I feel like they unfairly take advantage of their family and don't give back much in retur...
by Nyc10036
Thu Apr 26, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Is my computer obsolete?
Replies: 60
Views: 4542

Re: Is my computer obsolete?

I'm not sure if this is the right place for a question like this, but I'm wondering if I should replace an old computer or if there are steps I can take to make it more current. It's a Dell Vostro from around 2012. Processor is: i5-2450 @ 2.50 ghz. 6.0 GB RAM. Hard drive is 700 GB. It's running Win...
by Nyc10036
Tue Apr 24, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE and health insurance
Replies: 25
Views: 4130

Re: FIRE and health insurance

The $500,000 for farmland. Is that part of the business?
by Nyc10036
Tue Apr 24, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10565

Re: Salary Negotiation gone sour

There is no rule here and nobody's right or wrong. Also each case is different - so what you learnt here is not going to apply to some other offer. Everything is based on need. Whichever party needs the other party more will be the more flexible one. Forget about this and look for something else. I...
by Nyc10036
Tue Apr 24, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10565

Re: Salary Negotiation gone sour

All good points; I would just add that a) it's unreasonable in today's environment to expect zero negotiation when discussing a potential employment offer, and b) unless the bonus is guaranteed, you do have to discount it somewhat. Almost midway through the year, were they going to prorate? Make yo...
by Nyc10036
Tue Apr 24, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10565

Re: Salary Negotiation gone sour

If they come back and offer me 88/15 in a few months should I consider it? Or should I accept that this was rather unprofessional on their part and move on? They probably won't directly come back to you. You may see the position posted again. That scenario happened to me. I interviewed for a job. T...
by Nyc10036
Mon Apr 23, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2457

Re: estate planning with animals

fantasytensai wrote:
Mon Apr 23, 2018 1:21 pm
This way rather than burdening a relative with this stipulation, you can find a stranger that share your love for animals?

The OP hasn't answered yet whether these farm animals are livestock which are sold for slaughter or rescues which get to spend the rest of their lives safe.
by Nyc10036
Sun Apr 22, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 3178

Re: WALKME Appearing on URL Bar

Just logged in.

I don't see anything like that in my URL box.
by Nyc10036
Sat Apr 21, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2457

Re: estate planning with animals

When people think of animal rescues they generally think of cats and dogs. However, there are rescues for farmed animals e.g. animals that are normally raised for food. Since you have 100, I would split the donation amount among at least 10 rescues for the farm animals and 2 for the dogs and 5 for t...
by Nyc10036
Thu Apr 19, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3823

Re: Good Dad, Bad Dad

It sounds like he is living at home?


Have you actually looked into the parking situation at the university?
Generally it is a major pain finding parking, and then he still may end up taking a bus around campus to get to his classes.
That's what happens at Rutgers.
by Nyc10036
Thu Apr 12, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4206

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

I thought most auto coverage was secondary. With my auto insurance, I pay extra to make the auto coverage medical coverage primary. I am not sure whether this choice is specific to NJ or not. My mother who is on Medicare must pay for medical coverage with her auto policy. Medicare cannot be primary...
by Nyc10036
Thu Apr 12, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4206

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

I thought most auto coverage was secondary. With my auto insurance, I pay extra to make the auto coverage medical coverage primary. I am not sure whether this choice is specific to NJ or not. My mother who is on Medicare must pay for medical coverage with her auto policy. Medicare cannot be primary.
by Nyc10036
Thu Apr 12, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4206

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

ssquared87 wrote:
Thu Apr 12, 2018 9:03 am
A PCP should know how to bill an auto insurance carrier.
Not if this sort of thing comes up once in a blue moon.

My PCP is a one person practice with one full-time nurse and a part-time receptionist.
by Nyc10036
Thu Apr 12, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 89
Views: 6523

Re: How do I make sure IRS receives my manual tax return ?

In some forums it says IRS does not recognize certified or express or priority mail as proof So what is the best way to make sure IRS receives it? I have never filed electronically. I have always just folded the forms in half, placed them into a 6x9 envelope, and mailed. When you have more than 4 p...
by Nyc10036
Mon Apr 09, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 8896

Re: Cash flow problems - best way to handle?

Netflix $10.99 (Streaming only) Dropbox (file backups) $9.99 Newspaper subscription $3.99 Apple Cloud (iPhone storage) $0.99 Allowances for kids $40.00 saved = $65 the 529 is the "allowance" with regards to Phone, cable, internet $118.64 basic cable + slow internet = $45 landline (Verizon) = $30 I ...
by Nyc10036
Mon Apr 09, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 8896

Re: Cash flow problems - best way to handle?

[OT comments removed by admin LadyGeek] OP, I think you got screwed in your divorce settlement. I would definitely go back to court to revisit the 529 agreement. You already have a good chunk of change in there. It can certainly take a funding break for a while, especially if you have a chance to g...
by Nyc10036
Sun Apr 08, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 25
Views: 1809

Re: Finance only laptop? Can I use an old one?

Thanks for all the good suggestions! I think this is really a growing issue. I saw some malware hit this past week and stopped partial operations in 50 different companies - all with good IT protections in place. Imagine if they launch something more intentional on personal machines. With teenagers...
by Nyc10036
Sun Apr 08, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15960

Re: Parents have zero savings. What can I do?

NYnative wrote:
Sun Apr 08, 2018 10:47 am
I’m hoping that all these folks giving throw them under the bus advice are doing this because it’s someone else’s patents and that they would treat theirs differently.
Again no one is saying that.

If you want to get technical about it, a spouse's parents are not one's own!




.
by Nyc10036
Sun Apr 08, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15960

Re: Parents have zero savings. What can I do?

I can't believe how many people are saying to let them drown. Forget how this will impact your marriage - how can anyone do that in good conscience? Helping does not necessarily have to mean forking over tens of thousands of dollars, nor should it. It could be as simple as setting them on a sound f...
by Nyc10036
Sat Apr 07, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: medical appointments and start of new employer insurance
Replies: 14
Views: 778

Re: medical appointments and start of new employer insurance

Just a guess So April 30 would be the earliest start date. BUT I suspect they might not want to start employees at the end of the month - wait a few days and save a month of health insurance costs I would like this job if just for the medical insurance and it is 10 miles (=25 minutes) from home. Bu...
by Nyc10036
Sat Apr 07, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 25
Views: 1809

Re: Finance only laptop? Can I use an old one?

Cloudready from Neverware.

Learned about it from someone on Bogleheads.

Install Chrome OS and turn your laptop into a Chromebook.

free for home use

I don't use it, but I have tried it.
by Nyc10036
Fri Apr 06, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4641

Re: Is it very hard to learn Spanish?

I had 2 years of high school Spanish.
And I cannot understand a thing on Spanish-language radio or TV.
To me it's hard.
They speak so fast, and the words "slur" together.
I can't do the tongue rolls for the R either.
Sigh.
by Nyc10036
Fri Apr 06, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: replace 2004 Honda Accord ?
Replies: 14
Views: 1426

replace 2004 Honda Accord ?

I have nearly 210K miles on it. Still runs fine. A little beat up on the outside. Headlights are blurred. Big crack on the front fender. Someone drove into it while parked at a Home Depot. I will have to have the transmission fluid changed. I am also told to have the timing belt tensioner replaced. ...
by Nyc10036
Fri Apr 06, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Lost wallet
Replies: 13
Views: 1390

Re: Lost wallet

About 15+ years ago when I first moved to the tri-state area I lost a wallet in a taxi on the way to Penn Station NYC or in Penn Station itself or just outside Penn Station. I canceled credit cards etc and went to get a new driver's license. About 2 weeks later, the wallet is mailed back to me very ...
by Nyc10036
Fri Apr 06, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: medical appointments and start of new employer insurance
Replies: 14
Views: 778

Re: medical appointments and start of new employer insurance

Are you sure it will start May 1? Once upon a time, health insurance started, generally, on your first day of work. Then, commonly, the first of the next month. In recent years, it often is the first of the month after being on the job for a full month. In your case, I might call the offices of the...
by Nyc10036
Wed Apr 04, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: medical appointments and start of new employer insurance
Replies: 14
Views: 778

Re: medical appointments and start of new employer insurance

Are you sure it will start May 1? Once upon a time, health insurance started, generally, on your first day of work. Then, commonly, the first of the next month. In recent years, it often is the first of the month after being on the job for a full month. In your case, I might call the offices of the...
by Nyc10036
Wed Apr 04, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: medical appointments and start of new employer insurance
Replies: 14
Views: 778

Re: medical appointments and start of new employer insurance

Yes, I understand about being covered. But I am concerned with actually being in the new insurer's system soon enough as to be able to even print an ID card on May 1. The radiologist and the primary care will want all those details such as ID number, group number, etc. Anyone actually have experienc...
by Nyc10036
Wed Apr 04, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: medical appointments and start of new employer insurance
Replies: 14
Views: 778

medical appointments and start of new employer insurance

I am currently on ACA.
I have two doctor's appointments scheduled for the first week of May.
These are appointments I don't want to miss.

If I get this new job, the medical insurance will not start until May 1st.

What do I do?
by Nyc10036
Mon Apr 02, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7356

Re: Sad because I did not know what I was doing with inheritance

I lost the same amount of money and possibly more. How? Going to get my MS fulltime. 18 months of lost wages and the cost of going to graduate school out-of-state. Imagine that money compounded 30 years. I could retire right now! Thirty years later I still think about, but I can't change it. Talk ab...
by Nyc10036
Mon Apr 02, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 74
Views: 8214

Re: Career Move: Please convince me why I should not work in tech

I will just say this -- if you don't have a "passion" for the work, it will be drudgery. I cannot imagine myself doing anything else. I simply like what I do. I am in "tech". I stumbled into my area of expertise after 4 years and a vague MS degree. LOL. I doubt I would get a job at a Tier 1 company....
by Nyc10036
Mon Apr 02, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3318

Re: Towel Warmers - worthwhile luxury or useless?

We have some around $200 ones from Home Depot and they work great. Would you please provide brand and model # ? I want one! :happy Thank you. Sure can. We went with these... https://www.homedepot.com/p/Amba-Radiant-Curved-Hardwired-24-in-W-x-32-in-H-10-Bar-Electric-Towel-Warmer-in-Brushed-Stainless...
by Nyc10036
Mon Apr 02, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Job advice
Replies: 13
Views: 1210

Re: Job advice

Time is money. Cliche. If you make $50/hour. 2 extra hours a day x 5 days/week x 50 weeks = $20,000 nontaxable I have always valued a shorter commute even when I was in my 20s. Even more so now that I am in my 50s. If one is on your death bed, does anyone think --- gee, I wished I had spent more tim...
by Nyc10036
Sun Apr 01, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3318

Re: Towel Warmers - worthwhile luxury or useless?

chevca wrote:
Sun Apr 01, 2018 1:28 pm
We have some around $200 ones from Home Depot and they work great.
Would you please provide brand and model # ?
I want one! :happy
Thank you.
by Nyc10036
Sat Mar 31, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 3529

Re: Portable Inverter Generator vs Standby Generator

GeneratorNewb wrote:
Sat Mar 31, 2018 5:22 pm
owever, I do have a window ac I could always put in a specific room for the duration of the power outage I guess.
That is what I would do.
by Nyc10036
Fri Mar 30, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 3529

Re: Portable Inverter Generator vs Standby Generator

After Sandy, I bought a 100 foot long electrical cord and a Duracell 800W DC to AC power inverter. The power inverter will be connected to the car battery. I hope to run the inverter a few hours a day long enough to give me hot water. The water heater is gas, but it is power vented so it needs elect...
by Nyc10036
Mon Mar 26, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion to 250% or 400% of FPL
Replies: 2
Views: 461

Re: Roth conversion to 250% or 400% of FPL

I don't think anything you do in 2018 has any bearing on what you are eligible for in 2019. I believe each year's PTC and CSR amounts are based on estimates of that same year's MAGI. Right, but I am trying to avoid the dreaded prove your income situation. If I keep it approximately the same year to...
by Nyc10036
Mon Mar 26, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion to 250% or 400% of FPL
Replies: 2
Views: 461

Roth conversion to 250% or 400% of FPL

BigOldBear's post at https://www.bogleheads.org/forum/viewtopic.php?f=2&t=244994 has got me thinking. I estimated my 2018 MAGI for ACA entrollment at $25,000 which is slightly more than 200% of FPL and makes me eligible for both Premium Tax Credits and Cost Sharing Subsidies. Given that it is nearly...
by Nyc10036
Mon Mar 26, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 tax reform
Replies: 7
Views: 998

Re: 2018 tax reform

But the new Federal tax law does NOT impose a limit on your total State and Local taxes... I thought state and local income taxes paid in 2018 along with all property taxes , typically house and auto , paid in 2018 were capped at 10K , if that's not true it's new to me - and that's separate from th...
by Nyc10036
Sun Mar 25, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2603

Re: eBay seller mails hard drive in paper envelope

Update Seller refunded completely. I offered to send hard drive back if he sent me a pre-paid shipping label. He responded that he did not want the hard drive back. I also checked the warranty status on Seagate.com using the serial number and part number. Out of warranty. I suppose a hard drive can...
by Nyc10036
Sat Mar 24, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2603

Re: eBay seller mails hard drive in paper envelope

While I agree that more padding would have been good, it seems like the Seagate Slims are designed to take abuse and are advertised as having a "sleek, tough, metal design for everywhere portability." http://24buy7store.com/product/seagate-1tb-backup-plus-slim-hard-drive I disagree. That does not m...
by Nyc10036
Sat Mar 24, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2603

Re: eBay seller mails hard drive in paper envelope

I'd be very careful about buying anything like a hard drive from Ebay. It could be used. They are so cheap I always just get them from Amazon and they come packed nice. The only reason I can see getting one from Ebay is if you need a specific ancient technology and are willing to accept that it may...
by Nyc10036
Sat Mar 24, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2603

Re: eBay seller mails hard drive in paper envelope

I have a PM out to the seller.

If he is belligerent in his response, I will simply file a Item Damaged case on eBay.

Did I mention he had the nerve to charge me $3.75 for shipping?
by Nyc10036
Sat Mar 24, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2603

Re: eBay seller mails hard drive in paper envelope

Did you open the package? If not, I would make a big point about returning it unopened. Unfortunately, I would spend the extra money to package it properly for return (e.g use a service like The UPS Store). I would argue against testing it. In the past, I've had problems with sellers pushing me to ...