Search found 133 matches

by jb9
Sun Apr 15, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Interstate Unemployment Claim Tax Question
Replies: 0
Views: 123

Interstate Unemployment Claim Tax Question

Hello, I recently moved from a HCOL state to a LCOL state. One of the factors that caused the move was a job loss (layoff). I am currently collecting unemployment in my new LCOL area (a different state) as my unemployment claim has been transitioned to what is called "Interstate" status. If I am hav...
by jb9
Tue Feb 20, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 655

26 foot Box Truck Rental Questions (Tolls and Insurance)

Hello, I am finally pulling the plug and relocating from a HCOL to a LCOL area (and raising a Timber Frame that I cut). I am going to be driving a 26' Penske about 2600 miles. I'm basically getting ready for the drive and wanted to ask if any Bogleheads have DIY'ed a 26' Box Truck move. I'm nervous ...
by jb9
Mon Jan 29, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Vesting Question
Replies: 3
Views: 234

Re: 401k Vesting Question

I just took a look at the plan documents and it states that a "year of vesting service" comes after working 1000 hours (~6 months) within a plan year... So I think that confirms I am at 1 year of "vesting service."
by jb9
Mon Jan 29, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Vesting Question
Replies: 3
Views: 234

Re: 401k Vesting Question

Good suggestion. I will take a look at the plan documents to see... The vesting schedule was, to be frank, misrepresented to me during my good faith negotiation. The company is run (I have come to find out) in ways that I find to be unethical.
by jb9
Mon Jan 29, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Vesting Question
Replies: 3
Views: 234

401k Vesting Question

Hello, I am in a job that is really not what I expected and leaves much to be desired (let's leave it at that). The company has an awful 401k that has a 4 year vesting schedule (for the match portion). My 1 year anniversary is coming in February but I just checked my balance on the 3rd party adminis...
by jb9
Tue Apr 25, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL and Tax Deduction
Replies: 2
Views: 443

Moving to LCOL and Tax Deduction

Hello, I am interested in moving to a LCOL Area from a HCOL Area. I don't have employment currently in the location I am moving to (and I may have to re-invent myself when I get there). Where I want to go is a fairly desirable place to live (from a quality of life standpoint) but the employment opti...
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: 825

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: 825

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: 825

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: 825

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: 819

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 course, a...
by jb9
Fri Nov 18, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: IT Contracting Question
Replies: 7
Views: 819

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: 681

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: 1875

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. Fairly clear th...
by jb9
Sun Apr 24, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff before an acquisition
Replies: 12
Views: 1875

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: 1875

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: 80
Views: 18705

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: 25434

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: 3882

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: 3882

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: 1086

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 means to get ...
by jb9
Tue Jan 05, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: New job and Disappearing 401k
Replies: 3
Views: 495

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: 1244

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: 568

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: 1463

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: 712

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: 590

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: 1442

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 business ...
by jb9
Tue Apr 21, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Telecommuting and Moving
Replies: 8
Views: 1442

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: 1442

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: 563

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: 1212

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: 2460

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). In full...
by jb9
Wed Jun 11, 2014 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Allianz Travel Insurance Question
Replies: 8
Views: 886

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: 886

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: 5026

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: 604

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: 3950

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: 3950

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: 452

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: 1485

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: 1485

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: 2058

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 direction...
by jb9
Mon Apr 15, 2013 5:29 pm
Forum: Personal Consumer Issues
Topic: Urgent Verizon Cell Phone Question
Replies: 14
Views: 2058

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: 2058

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: 2058

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: 2058

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: 1301

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: 470

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 sure I under...
by jb9
Fri Mar 08, 2013 10:15 am
Forum: Personal Finance (Not Investing)
Topic: RSU Tax Question
Replies: 4
Views: 470

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...