Search found 98 matches

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: 2531

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: 9126

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: 1235

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: 221

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: 2029

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: 2029

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: 2029

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: 2029

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: 2029

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: 42
Views: 4070

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: 42
Views: 4070

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: 4706

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: 4706

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: 636

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: 636

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: 691

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: 5483

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: 2119

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: 2691

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: 2697

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: 2697

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: 2697

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: 4286

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: 4286

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: 11245

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: 4055

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: 1072

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: 230

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: 2887

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: 388

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: 7554

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: 7554

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: 6984

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: 2887

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: 578

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: 6984

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: 4055

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: 6560

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: 4055

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: 7056

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: 2172

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: 2697

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: 1285

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: 2697

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: 5057

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: 2697

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: 2697

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: 1742

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: 702

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: 702

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...

Go to advanced search