Search found 764 matches

by hlfo718
Tue Sep 18, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1762

Re: Spectrum Cable TV Charges

Have you noticed since Chartered took over, their TV app goes down almost everyday? I use their app on Roku to save money for an extra cable box. Before the merger the app rarely went down. Once the merger went through an error message comes up every day, right as we are ready to watch TV. I called ...
by hlfo718
Wed Sep 05, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Nest vs Arlo (or other) security camera & system
Replies: 16
Views: 1174

Re: Nest vs Arlo (or other) security camera & system

I just purchase a second Wyze camera. The first one was the basic one which doesn't move for $25. The new one can move up/down/left/right and only cost $37 on amazon. No way I am going back to the other expensive cameras that have the same or less features.
by hlfo718
Mon Jul 16, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10448

Re: Amazon Prime Day 2018

Roku stick is on sale for $34.99 to match Amazon's price. I have used both and prefer Roku.
by hlfo718
Tue Jun 19, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4782

Re: Shorting Amazon

Even if you want to short amazon, you won't be able to borrow the shares from the typical brokerage firms like schwab, fidelity, etrade. [OT comment removed by moderator prudent]
by hlfo718
Tue Mar 27, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 7161

Re: Max-funding an Index Universal Life policy to the IRS limit??

How about you just give this "friend" $100 and tell him never to talk to you about investing again and use this forum as your adviser? This way you can save tens of thousands in fees and commissions while earning a higher return.
by hlfo718
Fri Mar 23, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Furniture Protection Plan worth it?
Replies: 18
Views: 2103

Re: Furniture Protection Plan worth it?

We purchased an expensive sectional from Macy's last year and the sales rep kept pushing the warranty. I told him I will research and get back to him in a day. Went home and google the company and it was as expected, stories of the company refusing to replace or repair furniture even though is under...
by hlfo718
Tue Mar 13, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 5173

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

After seeing the post here last week, I ordered 1 for my spouse. Is a really nice phone and pretty light. I have an iphone but if I were to buy a new one, I would get this Moto instead of iphone. To me nothing special about the iphone except is multiple times more expensive than a moto phone. And I ...
by hlfo718
Thu Feb 15, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth - How am I doing?
Replies: 14
Views: 3015

Re: Net Worth - How am I doing?

I think it depends on your income and expenses as well. If your income is $50k and expense of $30k, then is pretty good. But if your income is $1mm and expense of $990k, then not so good.
by hlfo718
Mon Feb 12, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4961

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

I purchased LL Bean jackets because of the generous policy. I have a jacket that is over 15 years old that is still in really good condition but we had issues with their more recent winter jackets. My spouse's jacket was bleeding the down fills so we returned and the 2nd one was the same but 3rd tim...
by hlfo718
Fri Feb 09, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 38938

Re: Ally online savings now at 1.45%

3 Month TBills are over 1.5% and state/local tax free. That's a great substitute for money funds and high yield savings.
by hlfo718
Mon Jan 08, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: 529 for Summer Camp
Replies: 4
Views: 1143

529 for Summer Camp

Hi,

Does anyone know if I can pay for my nephew's summer camp using 529 plan? He is 5 YO and looking to send him to a near by private school for upcoming summer break.

Thank you
by hlfo718
Thu Dec 14, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Silly Q: How do you link your brokerage acct to Ally?
Replies: 2
Views: 320

Silly Q: How do you link your brokerage acct to Ally?

I have linked various checking accts to Vanguard and Fidelity but how do you link Ally's Online Savings to the brokerage firms? How do you locate the routing number for the online savings acct?

Thank you all
by hlfo718
Tue Dec 05, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 27530

Re: Prepayment of SALT Taxes? [State and Local]

Hi Mcraepat9,

Which form is for 2018 NYS estimated payment? I see only 2017 forms on the website.

Thanks
by hlfo718
Tue Nov 28, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Net Benefits: Specifying catch-up contributions
Replies: 8
Views: 768

Re: Fidelity Net Benefits: Specifying catch-up contributions

I don't believe is a Fidelity issue but employer requirement. My wife's employer also requires the 2 separate breakdown by each year end for next year's withholding. They use Vanguard for the 403b program.
by hlfo718
Tue Oct 10, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: 2 diff devices for Lastpass MFA
Replies: 3
Views: 586

2 diff devices for Lastpass MFA

Hi Everyone,

I am sharing my lastpass with my wife but since I have added MFA using my phone (Microsoft Authenticator), is there a way to add my wife's phone to the same account as well so she can login without needing my phone?

Thank You
by hlfo718
Tue Sep 26, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 5919

Re: Chrome vs Firefox

I have issue with Lastpass taking a while before generating the auto fill using FF. FF is running well but just noticed Vanguard's site is not fully compatible with FF any more. If you go to the list of funds page at Vang, you can't click on any of the funds. I think this just started last few weeks.
by hlfo718
Thu Sep 21, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 8678

Re: Innovis and ChexSystems freeze confirmation letters

I don't recall seeing the message about mailing us the confirmation from Chex. Only rec'd confirm online when it was done 2 weeks ago.
by hlfo718
Fri Sep 15, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 9297

Re: Fidelity Security

Have you noticed that most banks and credit unions are way behind in terms of security? Sure they have the usual 2FA using SMS or email but I have yet to see Ally, PenFed, TD, Cap One, Citi, Chase and many others implement either a hard or software token. Thinking about consolidate all cash at Fido/...
by hlfo718
Mon Sep 11, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 33026

Re: Vanguard's new security key option

Hypothetically, if the hacker has your ID and PW, couldn't they still by pass the Yubikey and log into the account? I think this is the same for Gmail since they have the option for users to use the SMS option in case you lose your key. Off course this may be too much work for the hacker to spend to...
by hlfo718
Fri Sep 08, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 3061

Re: Freeze Credit for free without police report

Unless they waive the no lawsuit language, I will not sign up. We all can have access to the same with Credit Sesame and Karma. Why waive the right to sue in case some hackers screw up my credit?
by hlfo718
Fri Mar 31, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Sleep Number Bed
Replies: 13
Views: 3955

Re: Sleep Number Bed

We just purchased a 2nd queen size last year. The 1st one lasted just about 10 years but all the surrounding and middle foam flattened out. Stupid me decided to get a new mattress instead of replacing the surrounding foam, could have saved a few hundred bucks. But this time we purchased the most bas...
by hlfo718
Tue Mar 21, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Whole-life surrendered cash value reporting for Tax
Replies: 1
Views: 312

Re: Whole-life surrendered cash value reporting for Tax

If the proceeds plus any dividend rec'd is less than your cost basis then is return of capital, no need to report.

Your insurance co would have sent you a 1099 of some sort if you had to report it as income or gain.
by hlfo718
Fri Mar 17, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch- can't change investment direction! Glitch?
Replies: 4
Views: 594

Re: Merrill Lynch- can't change investment direction! Glitch?

You should be annoyed since your employer is using ML. I hope you have decent fund selections in the plan.
by hlfo718
Fri Mar 17, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 8713

Re: Endless Job Interviews (with same company)

I went through the same twice. One company I interview 4 times and had 2 lunches with them and they decided not to hire anyone. This dragged out for about a month. The second company I had 5 interviews and finally rec'd offer. The first company I didn't use a recruiter while the 2nd company I did. I...
by hlfo718
Wed Feb 22, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 3023

Re: Amazon Coupon Code

I tried buying a JCPenny gift card but the code didn't work. I used it to buy a bunch of grocery from their pantry instead but off course I had to pay $5.99 shipping so net saving was only $2.6 + 5% using their store card. Better than nothing and thanks for the code.
by hlfo718
Wed Feb 22, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 2069

Re: Getting the snip: Should it be me or my partner?

Mine was covered as well but was a bit painful. Wouldn't want to do it again though.
by hlfo718
Wed Feb 08, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 39328

Re: WSJ Digital Subscription - a bargain!

I found a better deal last year for WSJ online through Amazon, $60 for 2 years. But not sure how often these deals come up. WSJ is the only subscription I have.
by hlfo718
Mon Feb 06, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 4209

Re: ringplus mobile premium plans - what is your experience?

"The port in process takes up to 5 business days to complete."

I hope is faster than 5 days since they are supposed to shut down by the 11th and don't know how long they can hold on to the number once they are shut down. :annoyed
by hlfo718
Mon Feb 06, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 4209

Re: ringplus mobile premium plans - what is your experience?

Can't believe I still have $60 credit with Ringplus! I just transferred in late last year so it was a total loss for me, a used S3 phone and Ringplus plan upgrade cost me over $150. Now I am still waiting for Google to transfer in my number. I put through the order on Sat but still no update from Go...
by hlfo718
Sun Feb 05, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Chromebook and I-Tunes
Replies: 9
Views: 1325

Re: Chromebook and I-Tunes

Download Google Play Music and move your music there. You can then access to your music with Chromebook.
by hlfo718
Sat Feb 04, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 52
Views: 4209

Re: ringplus mobile premium plans - what is your experience?

Before trying freedompop check to see if you are able to port in your number. I ordered the SIM card but they can't port in my cell number. Looking to google voice instead.
by hlfo718
Thu Feb 02, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 4923

Re: How much will i need to retire in my apartment in nyc?

If 1,600 is the monthly maint, you will need another few hundred for electric, cable, year end staff tipping, periodic fixing of HVAC system or replacing old ACs. Maint also doesn't cover your handyman stuff like fixing a leak or plumbing issues. Should be conservative and assume $2000 a month. Don'...
by hlfo718
Thu Jan 26, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T post paid contract to GoPhone
Replies: 11
Views: 2335

Re: Switching from AT&T post paid contract to GoPhone

Have you seen the deals from Simple Mobile, owned by T-Mobile? Their 4g is just as good as ATT and much cheaper. For $40/month you get 8GB of 4G data. https://www.simplemobile.com/wps/portal/home/!ut/p/a1/dY1LDoIwFADP4gX6Hr-WbdUokIiiMejbGCC1EqE1QGzi6f3snd0kkwwQnIBM9Wx1NbXWVN3XiV-WmG2CQib-PhERprtkcVi...
by hlfo718
Wed Dec 07, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Credit Karma to offer free online filing of federal and state tax returns
Replies: 17
Views: 3554

Re: Credit Karma to offer free online federal and state tax filing

The more competition the better for consumers. Is ridiculous how much personal tax software cost. I like free :P
by hlfo718
Wed Nov 02, 2016 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Considering Buying Condo in NYC
Replies: 18
Views: 3434

Re: Considering Buying Condo in NYC

Or try Queens since is not as expensive. Take a weekend and check out some hoods like Astoria, LIC, Jackson Heights, Forest Hills, and Kew Gardens. Prices are normally cheaper than Brooklyn but have been going up as well. Also, for that price can't you also find a nice 1 BR in UES? Unless the apt in...
by hlfo718
Tue Nov 01, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 3007

Re: Reasonable Accommodation (Health Related)

Thank you for all the responses. The work from home remedy was actually suggested by the former VP. My wife didn't want to work from home as she feels is too lonely without some colleague interaction. In fact the former VP had sent out multiple emails telling people not to spray perfumes and lysol d...
by hlfo718
Mon Oct 31, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 3007

Reasonable Accommodation (Health Related)

Hi Bogleheads, My spouse has asthma and gets really bad when is triggered by scents such as strong perfumes, lysol, floral type scent, mold.... Her previous dept VP let her work from home 2X a week and her condition improved. But over the summer the VP was replace and the new guy wants everyone to s...
by hlfo718
Tue Sep 27, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: LLC Investing Tax Reporting
Replies: 1
Views: 219

LLC Investing Tax Reporting

Hi BHs, My two friends and I are looking to form an LLC to invest into 2-3 businesses that are structured as either an LLC or partnership (we become LP). This is just a few thousand each so to gain some experience since we know the owners for a long time. How complicated will the tax reporting be fo...
by hlfo718
Thu Sep 22, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 41
Views: 5345

Re: Bad Supervisor - Involve Union?

Probably should look into her background to see her experience and connection. She may be connected to a senior manager hence difficult to replace or take action.
by hlfo718
Mon Sep 19, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: what to do with old ipad?
Replies: 16
Views: 2518

Re: what to do with old ipad?

Have similar situation with old desktop flash and hard memory. Does putting them in broiling water destroy the memory permanently?
by hlfo718
Thu Sep 08, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 6499

Re: Ransomware alert

How safe are the chromebooks? We normally use the chromebook to surf the net but use the laptop for financial matters.
by hlfo718
Thu Aug 04, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 4809

Re: Cricket Wireless - Selecting a Smartphone

I recently purchased a "used" samsung S3 from ebay at a great price. The phone was never used and still had the stickers attached. You should check out amazon as well.
by hlfo718
Thu Jul 28, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Building a Bond Ladder in VG Brokerage Acct
Replies: 6
Views: 898

Re: Building a Bond Ladder in VG Brokerage Acct

Don't forget to include CDs in your ladder since they yield slightly higher than gov't bonds but comes with FDIC insurance.
by hlfo718
Tue Jul 26, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: BigLaw compensation portrayed accurately by media?
Replies: 43
Views: 5967

Re: BigLaw compensation portrayed accurately by media?

They seem to match what I saw on the Good Wife, just kidding. :mrgreen:
by hlfo718
Tue Jul 26, 2016 8:08 am
Forum: Investing - Help with Personal Investments
Topic: [2017] Best way to invest in US index etf from Hong Kong
Replies: 8
Views: 1151

Re: [Updated] Best way to invest in US index etf from Hong Kong

Vanguard does offer S&P 500 ETF in HK, https://www.vanguard.com.hk/portal/mvc/detail/etf/overview?portId=9583&assetCode=EQUITY##performance But not sure what the structure is for tax optimization. You will still need to find a broker to trade this. I think IB is ok even though they have the monthly ...
by hlfo718
Fri Jul 01, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: M* on Tablet
Replies: 2
Views: 411

M* on Tablet

Looks like M* changed their website for tablet users. When I go to the site now i see the address as www.beta.morningstar. I normally don't care except now there are ads right in the middle of the screen so you can't even read the articles. I tried to remove beta from the address but no luck. Anyone...
by hlfo718
Thu Jun 30, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: 403b with Voya help!
Replies: 11
Views: 935

Re: 403b with Voya help!

Can you ask your HR or Voya to provide an index fund alternative for US, Int'l, and Fixed Income areas? Is kind of crazy that employers/3rd party admins won't add at least one index fund option given more employees are filing lawsuits against their retirement plans with high cost mutual funds.
by hlfo718
Thu Jun 23, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Verizon raised unlimited data by $20
Replies: 49
Views: 4717

Re: Verizon raised unlimited data by $20

If you don't need "Unlimited" then why pay a premium? There are plans for less than $40 that includes 5 GBs a month. My wife has 1 GB and doesn't even use half. I use zero. For me data is a waste of money.
by hlfo718
Mon Jun 06, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: HDOGX-better known as the dogs of the DOW
Replies: 7
Views: 1123

Re: HDOGX-better known as the dogs of the DOW

You can get something like that through an etf, SDOG.
by hlfo718
Mon Jun 06, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: The worst mutual fund in history
Replies: 11
Views: 2581

Re: The worst mutual fund in history

Didn't recognize the name until I saw on the article the previous name was Steadman Fund. What I don't understand is how come no one sued the board of directors, especially after the guy died and his daughter took over rather than liquidate? Wonder how much mgmt fee the family collected over the yea...