Search found 127 matches

by jb9
Thu Jan 12, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Hourly Rate for Remote IT Work
Replies: 9
Views: 482

Re: Negotiating Hourly Rate for Remote IT Work

Good questions ved. The entire company is remote. They claim to retain and grow the skill sets of their developers. Clients are some well-recognized brands. I am fairly certain it is W-2 and the work will be steady. I took a look on LinkedIn to see the locations of the other workers... they all live...
by jb9
Thu Jan 12, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Hourly Rate for Remote IT Work
Replies: 9
Views: 482

Re: Negotiating Hourly Rate for Remote IT Work

W2 I am fairly certain. But I will confirm. Good question.
by jb9
Thu Jan 12, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Hourly Rate for Remote IT Work
Replies: 9
Views: 482

Re: Negotiating Hourly Rate for Remote IT Work

Good question ponyboy.

Emergency fund is in place. House construction fund is in place.
by jb9
Thu Jan 12, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Hourly Rate for Remote IT Work
Replies: 9
Views: 482

Negotiating Hourly Rate for Remote IT Work

Hello, I am engaged in a discussion (a positive one) in which I am being asked about an estimated rate for my services (QA/Dev). The company is completely remote and appears to help organizations with software development projects. I have been unemployed for almost 9 months and am VERY interested in...
by jb9
Fri Nov 18, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: IT Contracting Question
Replies: 7
Views: 592

Re: IT Contracting Question

Thanks for the thoughtful responses so far. Very helpful. The rate seems reasonable. I just spoke with the recruiter and he said he "submitted me" at 80 and that was that. It is encouraging to also know that I can collect unemployment after the 6 months that the contract is written for. Of...
by jb9
Fri Nov 18, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: IT Contracting Question
Replies: 7
Views: 592

IT Contracting Question

Hello, I have a few questions about contracting. I just interviewed for a contracting gig through a recruiter. I think the arrangement is W-2 through the recruiting agency. For permanent work, if one was making around 125k which included health insurance and some other limited benefits (no 401k at m...
by jb9
Fri Apr 29, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Why does the market have alarms?
Replies: 4
Views: 641

Why does the market have alarms?

Hello,

This is a theoretical question about market alarms... Why do they exist? Also, do they have alarms for the upward direction? If no, then why not?

Thanks.
by jb9
Sun Apr 24, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff before an acquisition
Replies: 12
Views: 1539

Re: Layoff before an acquisition

Sorry for the "hypothetical" nature of my question. I'm sure you can all surmise what this person is up against. Nothing like getting some bad news in the middle of a beautiful spring Sunday afternoon! To give a bit more detail. Startup. Employee (at will). 2 weeks severance offered. Fairl...
by jb9
Sun Apr 24, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff before an acquisition
Replies: 12
Views: 1539

Re: Layoff before an acquisition

I am wondering if it would be worth abstaining from the release of claims to pursue a package that included all one's stock options.
by jb9
Sun Apr 24, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff before an acquisition
Replies: 12
Views: 1539

Layoff before an acquisition

Hello, I have a quick question. Can a company lay off a significant portion of its workforce prior to an acquisition to reduce its balance sheet and decrease dilution of its option pool? Is this legal? What recourse would an affected employee have if she were faced with a reduction in force? If an e...
by jb9
Thu Apr 21, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 70
Views: 9669

Charles Schwab Checking + Brokerage Account

Hello, After a reasonable amount of research, I decided to open a Charles Schwab High Yield Investor Checking Account. Basically, I did it to take advantage of the ATM fee reimbursement benefit. I travel a fair bit and I go to places where I need cash so the prospect of hitting ATMs constantly can a...
by jb9
Tue Feb 09, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Mailing a US Passport in for Renewal
Replies: 19
Views: 5878

Mailing a US Passport in for Renewal

Hello, I thought I would share an experience that might prove helpful for folks who travel internationally and need to renew their US Passport. Recently, I had to mail my application, fee and previous passport in to be renewed. Since this package contained personal information, I opted to send it Ce...
by jb9
Mon Feb 01, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Any Sprinter owners here?
Replies: 13
Views: 2572

Re: Any Sprinter owners here?

Lots of helpful suggestions. I am the OP and just wanted to clarify that I am not really in the market for an RV due to budget constraints. Ideally, I could find a cargo style and then possibly do the internal retrofit myself (nothing fancy, just storage, sleeping and a cooking setup). Lots of good ...
by jb9
Mon Feb 01, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Any Sprinter owners here?
Replies: 13
Views: 2572

Any Sprinter owners here?

Hello, I have, for about 5 years, been intrigued by the Sprinter Vans. They seem to be ubiquitous in the contractor world. As most folks know, they are branded Dodge, Mercedes and Freightliner... I really like their flexibility and reasonable mileage. As of late, I have noticed more and more used on...
by jb9
Fri Jan 08, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Debit Card vs. Credit Card
Replies: 6
Views: 863

Debit Card vs. Credit Card

Hello, I have always been consistently behind the curve with most trends. As an example, I have historically used cash to pay for things as a means of enforcing a budget. "I have X dollars in my wallet so I can spend X." I was a late adopter of the debit card and started using one as a mea...
by jb9
Tue Jan 05, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: New job and Disappearing 401k
Replies: 3
Views: 469

New job and Disappearing 401k

Hello, I am always amazed at the range of incredibly sound advice dispensed here on subjects far and wide. Just wanted to express my gratitude before sharing my story and question. After a 4 month jobless stint, I secured a new position at a startup this fall. My previous boss gave me a referral to ...
by jb9
Thu Dec 03, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from HCOL to LCOL Area
Replies: 5
Views: 1042

Moving from HCOL to LCOL Area

Hello, I have seen this discussion from time to time and wanted to perhaps ask for folks' thoughts on this topic. I have been living in a HCOL area for about 15 years (renting and living frugally) with the hope that I could move to a LCOL area where I purchased some land (an improved lot in a small ...
by jb9
Sat Sep 12, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Question about buying windows for a house
Replies: 2
Views: 536

Question about buying windows for a house

Hello, Since there are always so many folks here with vast and varied areas of expertise, I thought I might throw out a question about sourcing windows for a house I intend to build. I know what I like from a standpoint of aesthetics, but I am kind of clueless on the terminology and technology. I li...
by jb9
Thu Aug 13, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Startup Due Diligence Interview Questions
Replies: 7
Views: 1140

Startup Due Diligence Interview Questions

Hello, I have worked at one tech startup and it was mostly a positive experience. I am an engineer by trade so I know what to look for on the technical side when it comes to what makes a work environment desirable, but I want to feel more comfortable in interview settings asking questions about the ...
by jb9
Tue Jul 07, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Architecture / Home Design Book Recommendation
Replies: 6
Views: 620

Architecture / Home Design Book Recommendation

Hello, I am currently in the process of designing a single-family home that I will be building with the help of a General Contractor. I am aware of the magnitude of such an endeavor. Can anyone suggest a few books or resources that might help me organize my thoughts in much the same way an architect...
by jb9
Mon Jun 29, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: New Telecommuting Job, House Construction and Taxes
Replies: 3
Views: 552

New Telecommuting Job, House Construction and Taxes

Hello, This is a somewhat complex question. First of all, I have a new job which allows me to work anywhere (with an internet connection). Second of all, I have owned a small building lot in a place that I have been longing to live (for over 15 years). I now have the opportunity to move to this loca...
by jb9
Thu Apr 23, 2015 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Telecommuting and Moving
Replies: 8
Views: 1333

Re: Telecommuting and Moving

Thanks for all the helpful responses. My new employer is geographically distributed and while there is a "headquarters," most folks work from home. I definitely want to heed the warning about being in close proximity to a region where there might be more work in my field. My first order of...
by jb9
Tue Apr 21, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Telecommuting and Moving
Replies: 8
Views: 1333

Re: Telecommuting and Moving

These responses are very helpful. One of my concerns is that if I needed to find another job in my field, it would be difficult in this location. On the other hand, I really want to live in this location. It has a lower cost of living for sure and I have been planning to move there for a while. On t...
by jb9
Mon Apr 20, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Telecommuting and Moving
Replies: 8
Views: 1333

Telecommuting and Moving

Hello, I finally got a job that just might be my dream job. I can work from anywhere. The entire organization is geographically distributed. What I am concerned about is making sure I have a solid footing before I move to the place I really want to be. I have property there (an improved lot) and am ...
by jb9
Mon Apr 20, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question about consolidating old 401k accounts
Replies: 5
Views: 463

Question about consolidating old 401k accounts

Hello, I am curious to hear how folks approach the inevitable accumulation of 401k accounts if one works in a field where job changes and acquisitions are commonplace. I now have four 401k accounts and I think it's time to do some trustee-to-trustee rollovers into my Vanguard IRA, right? I do have o...
by jb9
Wed Dec 03, 2014 3:23 pm
Forum: Personal Consumer Issues
Topic: Home Internet Service or HotSpot
Replies: 6
Views: 1128

Home Internet Service or HotSpot

Hello, I hope to be moving into a new apartment and wondering if I should get home internet service (expensive) or get a hotspot that might be less expensive in the long run, but might limit how I browse. I suppose I would no longer be able to stream a Youtube video if I went with a hotspot... Has a...
by jb9
Wed Aug 27, 2014 8:02 pm
Forum: Personal Consumer Issues
Topic: Another Smartphone/Verizon Question
Replies: 21
Views: 2244

Another Smartphone/Verizon Question

Hello, My apologies for submitting another smartphone question... I dug around and didn't see what I was looking for so here goes: I have a Verizon flip phone. I am well "out of contract." I have an employer discount and pay around 37 bucks a month for 450 minutes (free nights and weekends...
by jb9
Wed Jun 11, 2014 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Allianz Travel Insurance Question
Replies: 8
Views: 780

Re: Allianz Travel Insurance Question

Hello, I am the OP who asked about travel insurance and experiences with Allianz in particular. I wanted to post a follow up. In summary, I took folks' advice and basically cancelled the policy before I left for my trip. The process in which the option to buy a policy is somewhat predatory (IMHO) as...
by jb9
Tue May 13, 2014 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Allianz Travel Insurance Question
Replies: 8
Views: 780

Allianz Travel Insurance Question

Hi there, I just purchased a plane ticket and decided to purchase travel insurance along with the ticket. Does anyone have a checklist of things related to a travel insurance policy that are required for due diligence should I need to file a claim? The list of benefits is pretty basic (cancellation,...
by jb9
Mon Mar 31, 2014 10:45 am
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 4431

Windows XP to Linux Question with existing HW

Hi there, I know there a few IT folks on this list so I figured I would pose the following question: I have an old Dell Inspiron 1300 laptop that runs XP quite reliably. I use it for email, limited web browsing and word processing. In other words, no gaming, no mp3 library, no VOIP or Skyping. My qu...
by jb9
Tue Mar 18, 2014 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Underpayment Question and Unemployment
Replies: 2
Views: 541

Tax Underpayment Question and Unemployment

Hi there, If I was on unemployment insurance for a period during 2013 and I failed to have enough federal witholding taken from the payments (money was tight), does this scenario constitute a situation that might be excused from a federal tax underpayment penalty on Form 2210? I started working agai...
by jb9
Wed Oct 23, 2013 3:26 pm
Forum: Personal Consumer Issues
Topic: iPhone on Straight Talk with Verizon + Unlocked GSM Slot
Replies: 16
Views: 3444

Re: iPhone on Straight Talk with Verizon + Unlocked GSM Slot

Thanks Diogenes. I might be convinced to make the jump to a smartphone if I can confirm this information. So when you went to Europe and inserted the SIM, did the SIM's phone number become the default number instead of the ST service's number? Also, did you mean that you cannot suspend your ST servi...
by jb9
Tue Oct 22, 2013 1:19 pm
Forum: Personal Consumer Issues
Topic: iPhone on Straight Talk with Verizon + Unlocked GSM Slot
Replies: 16
Views: 3444

iPhone on Straight Talk with Verizon + Unlocked GSM Slot

Hello,

I was wondering if anyone has any experience purchasing an iPhone for Straight Talk on Verizon and then being able to use it in Europe (GSM Quad Band) with a SIM card?

If so, could you please indicate what model iPhone(s) would have this capability?

Thanks in advance.
by jb9
Mon Sep 30, 2013 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: no 401k at new job
Replies: 2
Views: 410

no 401k at new job

Hi there, I just started a new job at a small tech startup. I have a good salary along with equity in the company but no 401k is offered. It is unfortunate but I am optimistic. What should my approach be as far as retirement goes? I will definitely contribute to my IRA but without being able to defe...
by jb9
Thu May 16, 2013 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating Job Offer in Europe
Replies: 10
Views: 1299

Re: Negotiating Job Offer in Europe

Let's say the country is France.
by jb9
Thu May 16, 2013 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating Job Offer in Europe
Replies: 10
Views: 1299

Negotiating Job Offer in Europe

Hello, I have a hypothetical question regarding relocating to and working in the EU for a US Corporation. Basically, I want to know what an informed individual would consider and/or negotiate during the process. Assuming the individual was a US Citizen (no other passports), how would folks go about ...
by jb9
Mon Apr 15, 2013 8:57 pm
Forum: Personal Consumer Issues
Topic: Urgent Verizon Cell Phone Question
Replies: 14
Views: 1836

Re: Urgent Verizon Cell Phone Question

Thanks for all the responses. I just wanted to get some corroboration on what was facing me. 2 hours or so ago, I answered an ad on Craigslist for a 10 dollar Motorola flip phone. The seller was an individual, not a "business." I told him to verify the ESN, he didn't know how so I gave him...
by jb9
Mon Apr 15, 2013 5:29 pm
Forum: Personal Consumer Issues
Topic: Urgent Verizon Cell Phone Question
Replies: 14
Views: 1836

Re: Urgent Verizon Cell Phone Question

I found a phone on Craigslist and am working with the seller now... He is an individual and has not checked the ESN. He did say that he used the Verizon Store to transfer all his stuff off the phone to his new phone. It sounds like this phone is exactly what I am looking for, yes?
by jb9
Mon Apr 15, 2013 4:48 pm
Forum: Personal Consumer Issues
Topic: Urgent Verizon Cell Phone Question
Replies: 14
Views: 1836

Re: Urgent Verizon Cell Phone Question

I have found the User Interface on Verizonwireless.com that will let me do the switcheroo for free once I get the device.
by jb9
Mon Apr 15, 2013 4:47 pm
Forum: Personal Consumer Issues
Topic: Urgent Verizon Cell Phone Question
Replies: 14
Views: 1836

Re: Urgent Verizon Cell Phone Question

Ok. That was exactly my question. So I need to find a used phone that had a previous life on a contract, got deactivated but not reported stolen (hence the good ESN) and put in a drawer somewhere until the owner decided to sell it, correct? Thanks. I just want to make sure I understand the whole thi...
by jb9
Mon Apr 15, 2013 4:35 pm
Forum: Personal Consumer Issues
Topic: Urgent Verizon Cell Phone Question
Replies: 14
Views: 1836

Urgent Verizon Cell Phone Question

Hello, My cell phone is dying. I am outside the bounds of a contract with my carrier, Verizon. Can I buy a Verizon cheapo no-contract phone from a retailer and login to my Verizon account and switch the service to the new device? Or do I need to buy a used Verizon phone with a good ESN that was part...
by jb9
Mon Mar 18, 2013 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Telecommute Question
Replies: 5
Views: 1204

Telecommute Question

Hello, I am trying to ultimately work remotely from a place where I would like to live. I purchased a buildable lot there a few years back. I work in the high tech industry. I am curious if there are any other folks who might have some insight into how one might eventually negotiate such an arrangem...
by jb9
Fri Mar 08, 2013 11:55 am
Forum: Personal Finance (Not Investing)
Topic: RSU Tax Question
Replies: 4
Views: 433

Re: RSU Tax Question

Thanks folks. That was a good link too. It confirmed what I thought about the characterization of this event as a Net Issuance (and I am selecting "B" since the 1099 said the basis was not reported to the IRS). I appreciate being able to ask questions here after some research just to be su...
by jb9
Fri Mar 08, 2013 10:15 am
Forum: Personal Finance (Not Investing)
Topic: RSU Tax Question
Replies: 4
Views: 433

RSU Tax Question

Hello, Let me start by saying I do my taxes longhand. It's tedious, yes, but I do learn a lot. Every year there is something new that is incrementally and intellectually within my grasp to figure out. This year I have to report a LTCG from the sale of some RSUs I was awarded. Here are the basics: Aw...
by jb9
Sat Mar 02, 2013 9:25 pm
Forum: Personal Consumer Issues
Topic: Places in Europe to hike
Replies: 6
Views: 694

Re: Places in Europe to hike

Lots of great terrain along the Chamonix-Zermatt classic Haute Route. In the Italian Dolomites, the Alta Via Uno starts at Lago di Braies and runs down past Cortina and goes to Belluno. Both gorgeous and offer day hiking at spots along the way if you just want to do day hiking. I have been doing a l...
by jb9
Sat Feb 16, 2013 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Severance
Replies: 17
Views: 1396

Re: Negotiating Severance

Thanks for all the thoughtful responses. All of them confirm my initial inclination.
by jb9
Sat Feb 16, 2013 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Severance
Replies: 17
Views: 1396

Negotiating Severance

Has anyone here had any luck negotiating a severance package? More specifically, I would be curious to hear folks' thoughts on how to broach the subject of being 25 days from a 5 year milestone or whether or not it would be worth negotiating. The severance comes as part of a larger restructuring ini...
by jb9
Sat Feb 16, 2013 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff Question
Replies: 10
Views: 1779

Re: Layoff Question

Good suggestions. I won't touch my 401k because the plan has some low cost offerings but I do have a small Traditional IRA so it might make sense to do the conversion. Should I also see if I can make a tax deductible contribution to an IRA based on the possibility that I don't find work for 2013? No...
by jb9
Sat Feb 16, 2013 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Layoff Question
Replies: 10
Views: 1779

Layoff Question

Hello, I was recently part of a large restructuring. I have the emergency fund in place, so no sweat there. I am busy reviewing all the materials provided to me regarding severance. I was wondering if folks here have a useful checklist they have compiled to perhaps take advantage of a period of redu...
by jb9
Tue Feb 05, 2013 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Risk Tolerance and Career Satisfaction
Replies: 12
Views: 1122

Risk Tolerance and Career Satisfaction

Hello, I have learned a great deal from this forum over the past couple of years. Much of the information gleaned has helped me understand how to keep the costs of my investments low and how to create an IPS. I am especially intrigued by the behavioral finance topics. In my case, I have found that m...

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