Search found 35 matches

by Invest4lt
Wed Jul 04, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5310

Re: How to tip

20% on the entire tab. Sometimes more if great service or special accommodation.
by Invest4lt
Sun Jun 24, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should my girlfriend who is here on a work visa open an IRA?
Replies: 6
Views: 788

Re: Should my girlfriend who is here on a work visa open an IRA?

You could run the numbers to be sure, but will be a hassle if she leaves. My co-worker in a similar situation had to close the account, add to US tax return and pay the 10% withdrawal penalty. It really depends on the tax rate on the final return, but is one more hassle if she leaves. It’s hard enou...
by Invest4lt
Sun Apr 08, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Can I use United airline miles to buy a ticket for my friend?
Replies: 15
Views: 1165

Re: Can I use United airline miles to buy a ticket for my friend?

Yes, as indicated above by others this is fine. Be sure to get your friend’s frequent flyer number and attach it to the reservation. Unless you travel on the same itinerary your friend’s ticket will not inherit your status.
by Invest4lt
Wed Feb 21, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: what should be the subject line when contacting previous employer
Replies: 10
Views: 797

Re: what should be the subject line when contacting previous employer

In my field and generation, Email is certainly appropriate for starting the conversation. A cold call is presumptuous. The email subject could be something like ‘touching base .’ Introduce your interest and ask to setup a call. I’ve seen this done many times.
by Invest4lt
Mon Feb 19, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3129
Views: 956288

Re: What Book Are You Currently Reading? Part VI

Origin by Dan Brown

Disappointed with this one. Seems to follow the same old pattern as DaVinci Code. Too predictable. Thank goodness I checked out the Kindle version from the library since it is 14.99 on Amazon. On the plus side it’s a quick read.
by Invest4lt
Sun Feb 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10562

Re: Do you wear a wedding band? [at a job interview]

I am married but have never worn a wedding ring. I do not change this decision for an interview or any other event. If a wedding band (or lack thereof) was important or relevant for an interview, then that would not be a corporate culture for me. And, obviously, questions about marriage and family c...
by Invest4lt
Sat Jan 27, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 22722

Re: I bought a stock today - Redfin (RDFN)

This method of stock picking reminds me of the Beardstown Ladies approach of buying stock in companies they believed in/admired or products they used. It seems like an interesting approach philosophically, but I am more inclined to take a Boglehead approach.
by Invest4lt
Sat Jan 20, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3338

Re: Rent (free at library) or buy books?

brennok wrote:
Sat Jan 20, 2018 10:18 pm
Once I switched to a Kindle my library checkout rate skyrocketed. I buy almost zero books now.
Same here. Signed up for a library card because of my Kindle.
by Invest4lt
Mon Jan 15, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5308

Re: A "Home" cell phone?

I use a free Google voice phone number for giving out to websites and other distributions. It’s even on my business cards. It has the option of ringing directly on my cell (I never do that). It also works as voice mail and emails me the transcript and link to listen to the message. Works great for m...
by Invest4lt
Mon Jan 15, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Credit card cash reward for payment
Replies: 10
Views: 1407

Re: Credit card cash reward for payment

Discover Card doesn’t get a lot of attention, but they pay 1% on all charges and 5% on select categories which rotate quarterly. This quarter it’s 5% cash back for gasoline purchases and charges from big box stores. Last quarter was 5% at Amazon and Target. The changing 5% categories are kind of a p...
by Invest4lt
Sun Jan 14, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 4213

Re: Are land line phones still being supported?

Try the google search “future of landlines”
Some amazing statistics here: https://www.softwareadvice.com/resource ... landlines/
Not sure what the demise of landlines would mean for those areas without access to the internet. Anyone remember pay phones? :shock:
by Invest4lt
Sat Jan 13, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Federal Estimated Taxes
Replies: 8
Views: 1588

Re: Federal Estimated Taxes

ivk5 wrote:
Thu Jan 11, 2018 5:53 am
With Direct Pay, I believe that's correct.

With EFTPS, I believe online payments need to be submitted by 8pm ET the prior business day.
Is that correct? EFTPS payments need to be submitted by 8pm ET the prior business day? That was today.
by Invest4lt
Sun Jan 07, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Unique Credit Cards linked to Real Credit Card
Replies: 19
Views: 1281

Re: Unique Credit Cards linked to Real Credit Card

I had two cards that used to offer single use or single vendor unique numbers (Discover and one other card). Both discontinued years ago and referenced their Zero Liability policy. I guess the single use or vendor numbers had too much overhead to make them worthwhile? Well, sort of... It's not the ...
by Invest4lt
Sun Jan 07, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable?
Replies: 11
Views: 1143

Re: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable

Are you planning to leave your employment this year? If so, I would be inclined to front load the 401k to maximize the match (assuming it vests immediately).
by Invest4lt
Sun Jan 07, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2505

Re: Appointment Calendars from the past

Depending on what was written on the calendar, they could be genealogical or medical sources of info. For example, we put birthdays on our calendar and how old the relative is that day. Good point! Before shredding, I moved information into more accessible tools... birthdays to my Google calendar (...
by Invest4lt
Sun Jan 07, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2505

Re: Appointment Calendars from the past

After reading Kondo’s book on de-cluttering two years ago, I shredded and tossed them. It was a great decision. It’s a bit morbid, but let’s face it, they will end up in the trash someday. I don’t want my kids/heirs/successors to have to deal with things like this. Maybe save a couple entries, but w...
by Invest4lt
Sat Jan 06, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 7067

Re: ID theft and check cashing fraud

The local PD told me that the minimum amount for follow up for this type of fraud is $25,000 (in my city). The Officer referenced budget cuts, volume of crime, and staffing make it unrealistic to pursue for lessor amounts. The Officer was sympathetic but explained the harsh reality in today’s world ...
by Invest4lt
Wed Jan 03, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 4394

Re: E-reader for ebooks - Pros and Cons

I’ve used all the different Kindles for extended periods of time. If money is no object, I would get the Oasis. Better backlight, more comfortable to hold, faster pageturns, and page turn buttons. The Voyage is almost as good as the Oasis. If money is an object, the Paperwhite is just fine. Now tha...
by Invest4lt
Sun Dec 31, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 5254

Re: use a personal hotspot on a plane?

I’ve not been successful creating a hotspot on United. On my phone, I need to be using cell data, not WiFi when creating a hotspot. Since I assume you will be connecting to Gogo WiFi, I think you will have the same issue. Also, streaming and many high bandwidth services (Netflix, Hulu, etc) will be ...
by Invest4lt
Sun Dec 31, 2017 4:03 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2140

Re: wireless earbuds for exercise - airpods or ??

Bose Soundsport Pulse + great sound and fit
by Invest4lt
Sat Dec 30, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 25472

Re: TurboTax Prices

Costco usually has a similar price but only for the disks. Computers rarely come with optical drives anymore. So I wonder who is buying all those disks. One can get an external CD drive for those computers w/o optical drives. I have not used a CD in a long time, but a lot of people still prefer CDs...
by Invest4lt
Thu Dec 28, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unique Credit Cards linked to Real Credit Card
Replies: 19
Views: 1281

Re: Unique Credit Cards linked to Real Credit Card

I had two cards that used to offer single use or single vendor unique numbers (Discover and one other card). Both discontinued years ago and referenced their Zero Liability policy. I guess the single use or vendor numbers had too much overhead to make them worthwhile?
by Invest4lt
Thu Dec 28, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9199

Re: Keeping a checkbook

In my mind, registers are most helpful for dealing with paper checks. And I am not crazy about paper checks. A paper check usually includes your name, mailing address, bank routing number (public information), your bank account number, and your signature. Way too much personal data on a single piece...
by Invest4lt
Mon Dec 25, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking better all purpose financial institution
Replies: 12
Views: 1084

Re: Seeking better all purpose financial institution

Wells Fargo supermarket branches are open on Sundays in my area...
by Invest4lt
Sun Dec 17, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8562

Re: New job offer - background check

The advice based on getting a full and formal offer is defective or at least incomplete. If you live in an employment-at-will state, your new employer could discover your record after you are on the job and then terminate you. You should consult an employment attroney and ask what can and cannot be...
by Invest4lt
Sun Dec 17, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8562

Re: New job offer - background check

Maybe it’s because I live in an At Will employment state, but offer letters do not guarantee a job in my experience. Mega Corps I am aware of have rescinded offers in the two week period and within the first few days of employment. There doesn’t need to be a reason... for either party. The offer let...
by Invest4lt
Wed Oct 25, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4801

Re: Amazon kindle paperwhite

I use my libraries to download most Kindle books. Only when a book is not available in any library in either Kindle or physical format do I buy Kindle books. Fewer than 5 per year. The library is great. ^ This. Very convenient downloading library books from the comfort of your home...or pretty much...
by Invest4lt
Sun Oct 01, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 65476

Re: Identity theft

First thing I would do is make sure this isn't a phishing scam: Don't use the phone number that he was given, but find the real number of the financial institution (from their web site, a paper statement, etc.), call them, and confirm that the withdrawal really happened. ^This Could very well be a ...
by Invest4lt
Sun Aug 20, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 3775

Re: Frozen steaks ordered through the mail

+1 for Costco.

Currently Costco online has 100 off Japanese Wagyu (A4)
NY strip steaks. Still very pricey, but amazing.

https://www.costco.com/A4-Wagyu-Center- ... 44490.html
by Invest4lt
Sat Aug 19, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Repair of Bose Noise-Canceling Headphones
Replies: 4
Views: 632

Re: Repair of Bose Noise-Canceling Headphones

Yes, I've replaced the ear pads several times on a couple older models. You can order from the Bose website or on Amazon.
by Invest4lt
Wed Aug 02, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: android auto or carplay?
Replies: 10
Views: 1089

Re: android auto or carplay?

Waze is now on Android Auto. That puts it ahead of carplay in my book. https://www.theverge.com/2017/7/26/16028250/waze-android-auto-maps-navigation-carplay This ^ Car Play uses Apple Maps and Android Auto uses Google. I've used both and Google is better with real time traffic re-routing. Voice rec...
by Invest4lt
Sat Jul 22, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78150

Re: Netflix, Your Current Favorite Show

For something a bit different, here are two animated series which are entertaining and smartly written: 1. Archer 2. Bob's Burgers Agree with this. However, the same voice actor does the lead character for each show. I watched Bob's Burgers first and it took me something like 2 seasons to finally g...
by Invest4lt
Sat Jul 22, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78150

Re: Netflix, Your Current Favorite Show

For something a bit different, here are two animated series which are entertaining and smartly written:

1. Archer
2. Bob's Burgers
by Invest4lt
Sun Jul 16, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Looking for Mobile MP3 Player, What Do You Use? Why?
Replies: 8
Views: 1065

Re: Looking for Mobile MP3 Player, What Do You Use? Why?

+1 for Google. I believe you could also accomplish this with iTunes or Amazon music. But, AFAIK, those services don't allow for the same number of uploads for free. Perhaps with the extra cost comes a bit more privacy. I've used Google music for several years and haven't encountered any obvious mark...
by Invest4lt
Sat Jul 15, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 4301

Re: Urgent 1st world problem [coffeemaker]

Sick of dealing with poorly made coffee makers out of China. Have decided I appreciate my coffee and good craftsmanship enough to warrant spending $300.00 on a Technivorm Moccamaster. However, before I go down today to pick it up, I would like to confirm (as most reviews do) that it is a superior c...