Search found 99 matches

by LesBleus**
Thu Jul 02, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Which state do I apply for unemployment if recently moved to a new one
Replies: 0
Views: 183

Which state do I apply for unemployment if recently moved to a new one

Due to Covid 19 reasons I will most likely have to apply for unemployment end of August 2020. I moved from Houston, TX in mid February 2020 to Southern California working from home 100%. For the last 3 years I have been residing in Texas and in mid February 2020 I started paying California taxes aft...
by LesBleus**
Thu Jun 11, 2020 8:33 am
Forum: Personal Investments
Topic: What other option is available besides Robinhood for newbie like me?
Replies: 11
Views: 624

Re: What other option is available besides Robinhood for newbie like me?

FrankTheViking wrote:
Wed Jun 10, 2020 6:28 pm
I use m1finance. Would highly recommend. Only downside IMO is that you can't really tax loss harvest.
So far M1 Finance looks good and more reliable than Robinhood. Thank you for the tip.
by LesBleus**
Thu Jun 11, 2020 8:33 am
Forum: Personal Investments
Topic: What other option is available besides Robinhood for newbie like me?
Replies: 11
Views: 624

Re: What other option is available besides Robinhood for newbie like me?

FrankTheViking wrote:
Wed Jun 10, 2020 6:28 pm
I use m1finance. Would highly recommend. Only downside IMO is that you can't really tax loss harvest.
So far M1 Finance looks good and more reliable than Robinhood. Thank you for the tip.
by LesBleus**
Wed Jun 10, 2020 2:18 pm
Forum: Personal Investments
Topic: What other option is available besides Robinhood for newbie like me?
Replies: 11
Views: 624

What other option is available besides Robinhood for newbie like me?

Forgive my ignorance, I'm a bit intimidated with stock investment. I've done a few searches for Robinhood and found this thread https://www.bogleheads.org/forum/viewtopic.php?f=1&t=316122&hilit=robinhood basically saying I should stay away from it. I want to learn stocks and trading on a very small ...
by LesBleus**
Wed Jun 03, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Good strategy to switch phone carrier and get a discount for a new phone?
Replies: 9
Views: 473

Re: Good strategy to switch phone carrier and get a discount for a new phone?

$50/ month for 2GB is highway robbery today. Especially on T-Mobile coverage. Buy your phone outright/unlocked and switch to an MVNO with more data and way less money. Cricket Wireless, Total Wireless, Mint, Red Pocket, many options with more data and less cost or both. Thanks for pointing that out...
by LesBleus**
Wed Jun 03, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Good strategy to switch phone carrier and get a discount for a new phone?
Replies: 9
Views: 473

Good strategy to switch phone carrier and get a discount for a new phone?

I've been a "loyal" T-Mobile customer for over 12 years and it has not gotten me anything. No upgrades, no perks, just no incentive to stay with them. My current grandfathered plan is $50 per month for 2GB. I own my Samsung S7 and looking to upgrade to a S10 with another carrier. I looked at AT&T an...
by LesBleus**
Tue Apr 21, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which state should I apply for unemployment TX or CA?
Replies: 5
Views: 391

Re: Which state should I apply for unemployment TX or CA?

I've done some research but still can't find a definitive answers. Check both state's websites for eligibility requirements. Mostly likely you will only be eligible in CA if that is where you are continuing to live and that is where you worked at the time you were laid off. Rules may have changed d...
by LesBleus**
Tue Apr 21, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which state should I apply for unemployment TX or CA?
Replies: 5
Views: 391

Re: Which state should I apply for unemployment TX or CA?

I've done some research but still can't find a definitive answers. Check both state's websites for eligibility requirements. Mostly likely you will only be eligible in CA if that is where you are continuing to live and that is where you worked at the time you were laid off. Rules may have changed d...
by LesBleus**
Tue Apr 21, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Which state should I apply for unemployment TX or CA?
Replies: 5
Views: 391

Which state should I apply for unemployment TX or CA?

Hi all, I may be looking at a temporary furlough from my job due to you know what :oops: and want to be prepared. I've done some research but still can't find a definitive answers. My current job of 4 years plus was based in Houston, TX and I recently moved to California on Feb. 15 2020. I have been...
by LesBleus**
Fri Apr 10, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new printer for wfh. Laser or ink? And what brand?
Replies: 22
Views: 1183

Re: Shopping for a new printer for wfh. Laser or ink? And what brand?

02nz wrote:
Fri Apr 10, 2020 9:45 pm
tibbitts wrote:
Fri Apr 10, 2020 1:17 pm
No idea what wfh means.
wfh = work from home

OP, check out https://thewirecutter.com/office/printers-scanners/. The Wirecutter aggregates reviews and does testing of their own, good resource for everything from printers to pans.
Thank you. I appreciate your input.
by LesBleus**
Fri Apr 10, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new printer for wfh. Laser or ink? And what brand?
Replies: 22
Views: 1183

Re: Shopping for a new printer for wfh. Laser or ink? And what brand?

Will do good wrote:
Fri Apr 10, 2020 1:21 pm
Brother HL-L2350DW
Perfect thank you! :sharebeer

-end of thread-
by LesBleus**
Fri Apr 10, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new printer for wfh. Laser or ink? And what brand?
Replies: 22
Views: 1183

Shopping for a new printer for wfh. Laser or ink? And what brand?

Hi all,
I'm too lazy to do research on this so I'm asking here. I've had my Canon ink printer for 3 years now and I need a upgrade. Any recommendations on what I should get? My budget is $100 to $200. I'm thinking laser is better but cartridge refills are cost more?

-Thread closed-
by LesBleus**
Thu Apr 09, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in career - what did you do to "unstuck" yourself?
Replies: 41
Views: 3789

Re: Feeling stuck in career - what did you do to "unstuck" yourself?

livesoft wrote:
Thu Apr 09, 2020 6:57 am
To get unstuck and switch gear: Get married. Have children. Seriously. Don't begin sentences with the word "Me."
+2 :sharebeer
by LesBleus**
Fri Mar 27, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Rent a van from U Haul or Home Depot?
Replies: 11
Views: 879

Re: Rent a van from U Haul or Home Depot?

mega317 wrote:
Fri Mar 27, 2020 12:09 pm
LesBleus** wrote:
Fri Mar 27, 2020 11:53 am
last time I rented a truck the total cost was way more than I expected.
What was the reason for this? Did they charge more than the stated flat fee plus mileage?
I don't recall it was so long ago. I probably got charged for miles.
by LesBleus**
Fri Mar 27, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Rent a van from U Haul or Home Depot?
Replies: 11
Views: 879

Re: Rent a van from U Haul or Home Depot?

I have door number 3 and door number 4 suggestions.... Can you have this delivered? We recently bought a sectional and delivery was $25. Could you buy a small trailer and hook up a hitch on your car? Ok....door number 5: Buy something at Home Depot. Maybe a sheet of plywood and rent their flatbed t...
by LesBleus**
Fri Mar 27, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Rent a van from U Haul or Home Depot?
Replies: 11
Views: 879

Rent a van from U Haul or Home Depot?

I'm picking up a couch and I'm not sure which place I should rent a 9 foot van from. The full trip will be around 15 miles and should take around 2 hours to complete. U Haul is charging $19.99 plus .79cents per miles Home Depot van is $75 for the first 75 minutes and $21 every hour plus a $250 depos...
by LesBleus**
Sun Feb 02, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5419

Re: What's the difference between Uber and Lyft?

Thx for the Bellhop tip! :happy
by LesBleus**
Fri Jan 31, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5419

Re: What's the difference between Uber and Lyft?

From what i can tell - one has 4 letters and the other 5, Lyft I think is a better scrabble score. Other than that I don't notice anything that matters. In fact, half of the drivers I have used have both program running. On the Lyft web site it doesn't give you the option to select the type of cars...
by LesBleus**
Fri Jan 31, 2020 11:21 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5419

What's the difference between Uber and Lyft?

I actually not ordered the car service before and need to book a ride to the airport. I just tried getting a estimate from both sites and noticed that with Lyft you don't get to select what type of car you want. Also how much better is a UberX over Comfort?
by LesBleus**
Fri Jan 17, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Is there a web site to show you where ACA is covered in California?
Replies: 15
Views: 924

Re: Is there a web site to show you where ACA is covered in California?

my 2020 projected earning is $148,000.00 ... the state tax credit maximum household income is $154k for a family of 4 You realize that your earnings are not the same as your income, right? Income for ACA purposes is MAGI. https://www.healthcare.gov/income-and-household-information/income/ (Just che...
by LesBleus**
Fri Jan 17, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Is there a web site to show you where ACA is covered in California?
Replies: 15
Views: 924

Re: Is there a web site to show you where ACA is covered in California?

Thank you for the replies. I called coveredca.com and talked to a agent. With a family of 4 (2 adults and 2 kids) my 2020 projected earning is $148,000.00 and for some reason the agent said the zip code 92078 doesn't qualify for tax exempt. Even though the state tax credit maximum household income ...
by LesBleus**
Thu Jan 16, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a web site to show you where ACA is covered in California?
Replies: 15
Views: 924

Re: Is there a web site to show you where ACA is covered in California?

Thank you for the replies. I called coveredca.com and talked to a agent. With a family of 4 (2 adults and 2 kids) my 2020 projected earning is $148,000.00 and for some reason the agent said the zip code 92078 doesn't qualify for tax exempt. Even though the state tax credit maximum household income ...
by LesBleus**
Thu Jan 16, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a web site to show you where ACA is covered in California?
Replies: 15
Views: 924

Re: Is there a web site to show you where ACA is covered in California?

Thank you for the replies. I called coveredca.com and talked to a agent. With a family of 4 (2 adults and 2 kids) my 2020 projected earning is $148,000.00 and for some reason the agent said the zip code 92078 doesn't qualify for tax exempt. Even though the state tax credit maximum household income i...
by LesBleus**
Thu Jan 16, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a web site to show you where ACA is covered in California?
Replies: 15
Views: 924

Is there a web site to show you where ACA is covered in California?

I'm looking to move back to my home state CA and according to https://www.coveredca.com/ the zip code where I will be residing does not qualify for any tax subsidies. Is there a online resource that shows which zip code does qualify for health insurance subsidies.
by LesBleus**
Tue Jan 07, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Career advice. How do I introduce myself with peers online and ask for job openings.
Replies: 3
Views: 767

Career advice. How do I introduce myself with peers online and ask for job openings.

I'm in the IT field and there is a online User forum with chapters within specific city locations. I'm looking to relocate to a city and want to connect with IT engineers through the online forum. It's like Linkdedin but for my field. I'm not sure on how to go about introducing myself and nicely say...
by LesBleus**
Tue Nov 12, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: How does receiving ACA subsidies work?
Replies: 5
Views: 517

How does receiving ACA subsidies work?

I'll be applying for ACA subsidies since my wife isn't working at the moment and for a family of 4, household income will be less than the $104k limit for 2020. I'm not familiar with how this works if I select a plan with BCBSTX. I did go to healthcare.gov and looked at some plans but didn't find ho...
by LesBleus**
Sun Oct 27, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1637

Re: Is drive up storage worth the cost?

This all revolves around how long the stuff will be in storage, doesn't it? And what the mover's charge? A 10 x 10 storage shed should only take an hour or so to stack stuff in or take stuff out of. Will an elevator make that 2 hours? And, I would add, how "valuable" the items being stored are to L...
by LesBleus**
Sun Oct 27, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1637

Re: Is drive up storage worth the cost?

This all revolves around how long the stuff will be in storage, doesn't it? And what the mover's charge? A 10 x 10 storage shed should only take an hour or so to stack stuff in or take stuff out of. Will an elevator make that 2 hours? And, I would add, how "valuable" the items being stored are to L...
by LesBleus**
Sun Oct 27, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1637

Is drive up storage worth the cost?

I'm selling my house and will temporarily store my belongings in a nearby (1.5 miles away) storage. The cost difference for drive up climate controlled storage vs. elevator located storage is quite big. I don't have large items to store (no fridge, couches and such). The only large items are my two ...
by LesBleus**
Mon Sep 23, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: How can I figure out how much storage I will need for a move?
Replies: 7
Views: 583

Re: How can I figure out how much storage I will need for a move?

Also, how long do you expect to store stuff? If it's 2 months, then going a size larger than you expect doesn't carry too much downside. If 2 years, then getting it right matters more. Showing up at a storage facility with a big truck of your belongings and finding it doesn't fit into your reserved...
by LesBleus**
Mon Sep 23, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: How can I figure out how much storage I will need for a move?
Replies: 7
Views: 583

How can I figure out how much storage I will need for a move?

We're planning to put our stuff temporarily in storage for our move and I can't seem to figure out how much space will suffice. We currently have a 4 bedroom house but pretty much will get rid off or sell everything to facilitate our move. That includes no large furniture items. Basically we will en...
by LesBleus**
Wed Sep 04, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Requesting some general life advice (career, living location, etc.).
Replies: 23
Views: 2425

Re: Requesting some general life advice (career, living location, etc.).

----- So ultimately, I think it's about determining what is important in your particular immediate family situation when it comes to quality of life and what you are or aren't willing to compromise. Sure finances are extremely important, but so is quality of life. Determining what you want for your...
by LesBleus**
Thu Aug 29, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Is this the right way to unclog a sink?
Replies: 30
Views: 2060

Re: Is this the right way to unclog a sink?

runner3081 wrote:
Thu Aug 29, 2019 1:29 pm
tigerdoc93 wrote:
Thu Aug 29, 2019 1:20 pm
Use a plastic zip tool. Costs $2 at Walmart. Easy peasy
+1

Very easy.

Our local Dollar Tree also has them in a 2-pack.
Like a zip tie? or this? https://www.walmart.com/ip/Plumb-Craft- ... r/22840995
by LesBleus**
Thu Aug 29, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Is this the right way to unclog a sink?
Replies: 30
Views: 2060

Is this the right way to unclog a sink?

My Masterbath sink (my side of course not the wifey) is starting to clog. I rather not use Drano or any strong chemicals to unclog the sink.
I found this method https://www.youtube.com/watch?v=-7kE8JN7t4c which is basically removing the goose neck and clean the pipe from there.
Is this right?
by LesBleus**
Thu Aug 22, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to move out of state, when should I start submitting resume?
Replies: 8
Views: 565

Re: Planning to move out of state, when should I start submitting resume?

runner3081 wrote:
Thu Aug 22, 2019 5:37 pm
LesBleus** wrote:
Thu Aug 22, 2019 4:36 pm
And if somehow I land the new job, most hiring companies would want the new employee to start within 2 to 3 weeks. :confused
For an out-of-state hire, we have never thought twice about giving 6-12 weeks (or more in some cases) to move.
Well that's good hear. They may be flexible.
by LesBleus**
Thu Aug 22, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to move out of state, when should I start submitting resume?
Replies: 8
Views: 565

Re: Planning to move out of state, when should I start submitting resume?

I definitely do need a job before moving to California. I can move ahead of my family. My concern with this option is leaving the wife alone. I would have to secure from the new employer a week off for me to return and finish the move.
by LesBleus**
Thu Aug 22, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to move out of state, when should I start submitting resume?
Replies: 8
Views: 565

Planning to move out of state, when should I start submitting resume?

I'm planning to move back to my home state of S. California with my wife, 2 kids and one small chihuahua :D and I just got a resume request from the recruiter of a company where my old coworkers are now working at. There are several concerns I need to figure out before I submit my resume. 1. I like ...
by LesBleus**
Mon Aug 19, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7950

Re: Moving from Bay area, CA to Knoxville, TN

Is there a typo in your original post? Your current employer matches 100%, but you will only lose 10% with the new employer matching 3%? Every time I look at cost of living calculators, or talk with siblings in other states that are supposed to have lower cost of living for housing & taxes compared...
by LesBleus**
Thu Aug 15, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 972

Re: Should I lower my life insurance policy amount?

Yes, You're in Houston which is one of the best cost of living cities in the US relative to the income levels available. Use that income to reduce your debts to ZERO. Dave Ransey is a good place to start if you are not familiar with him. Once your debts are wiped out all of your income can be used ...
by LesBleus**
Thu Aug 15, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 972

Re: Should I lower my life insurance policy amount?

Thank you all for the good inputs. I'll rethink my stance and probably will keep it at 1 mil for now and revisit later.

Cheers! :sharebeer
by LesBleus**
Thu Aug 15, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 972

Should I lower my life insurance policy amount?

A few months ago I signed up for a 20 years Term life policy for 1 milllion dollars (cue Dr Evil) at $106 a month and wife same amount for about $30. Not sure what our networth is but we owe 235k on our mortgage, 30k in student loan, 20k in car note and about 2k in cc. Got about 50k in ER savings. W...
by LesBleus**
Wed Jun 26, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7777

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

This question is really about what is of importance to you and your wife. For me, this is what matters: my family, a work schedule that allows for lots of time off, and nice weather. I (nor my wife) really care about a mansion-sized home, fancy cars, and lots of money with jewels mixed in. So, we'v...
by LesBleus**
Tue Jun 25, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4842

Re: Anyone moved cross country. How did you manage to do it without going nuts??

I’m in the middle of a move. One thing that has made it easier and a lot less stressful for me was using Pods (or any other similar company). You can pack on your own schedule. Ship it to a facility in the city you’re gonna move to. Have it delivered to your house when ready. Takes the stress of ex...
by LesBleus**
Mon Jun 24, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4842

Re: Anyone moved cross country. How did you manage to do it without going nuts??

7 in 34 years. 1. Drive one car, the other can go in the moving truck. Caravanning cross country is horrible. Yes, rent one in the new location. Can you elaborate on this? We have two cars and one option is for myself and a buddy to rent a Uhaul truck with a trailer for one car and the other car fo...
by LesBleus**
Fri Jun 21, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4842

Re: Anyone moved cross country. How did you manage to do it without going nuts??

Goal33 wrote:
Fri Jun 21, 2019 5:15 pm
Be ready to lose some money in the process
Yeah I figured beside moving costs I'll probably spend extra $ for storage, car rental and such.
by LesBleus**
Fri Jun 21, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4842

Re: Anyone moved cross country. How did you manage to do it without going nuts??

That's why I love this forum! Thank you for all the replies this gives me hope! :sharebeer I really like some of the ideas suggested like the staggered car shipping, spreadsheet and be nice to each other :D One car is paid off (2013 Highlander) and the other is a 2016 Honda so we will need to keep t...
by LesBleus**
Fri Jun 21, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4842

Anyone moved cross country. How did you manage to do it without going nuts??

I'm embarking on a family relocation from Houston, TX to back to Southern Cali within a 6 to 8 months time frame and I'm not sure how to coordinate all the components of my move. That include finding a job (start date), selling current house, shipping furniture, finding a rental home ect. I know eve...
by LesBleus**
Wed Jun 05, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 6631

Re: Is it Wise to Remove Escrow if Bank Allows it?

What do bogleheads do concerning escrow? Do you get rid of it as soon as your able to allow greater flexibility? Or do you keep it as its two less bills to keep track of (RE taxes & Home Ins.)? When we refinanced with Navy Federal Credit Union, we were able to "opt out" of escrow. We did. That gave...
by LesBleus**
Mon Jun 03, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8278

Re: $3k for teen club soccer

So our 14-yr old tried out for a local soccer club here in TX. I figured it would be ~$1k like it was in CA. The paperwork after the tryout said he'll land in one of three tiers: - $2.8k - $2.2k - $1.7k Seems like a lot. Is this typical? Moved from CA to TX? Same here, about 3 years ago from OC to ...