Search found 288 matches

by andyandyandy
Fri Aug 17, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7608

Re: Reckless driving ticket in VA-Help!

Thank you for the quick replies! Yes- Clean record otherwise. First ticket in Virginia and no tickets since last 5.5 years! No DUI. My main worry is 'reckless driving' seems to be crime in VA - which may affect any job changes or Secret Clearance needed for Govt jobs here! Thanks for any further inp...
by andyandyandy
Fri Aug 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7608

Reckless driving ticket in VA-Help!

Bogleheads, Today morning while going to office I got a speeding ticket (46) on speed limit of 25. Speed limit suddenly changes at that place and I was in previous speed flow. It says to go to court. Internet seem to say scary things about reckless driving. I talked to some attorneys and they are ch...
by andyandyandy
Thu Jul 26, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1862

Re: Help Please!! Contract payments not being paid

Depends how big the prime vendor is, if it is a smallish shop they might be collecting payment from Client and stiffing you before they declare bankruptcy. Or, some of them sell their invoices and bail out. If the prime vendor is large, then ask the Client what to do, this can be very disruptive to...
by andyandyandy
Thu Jul 26, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1862

Re: Help Please!! Contract payments not being paid

Do you have a subcontract with them or just a consulting agreement? Check to see the payment terms. Usually it will say you get paid within x days after they get paid. That's how most small government contractors will do it. Also check to see if you incorporated language around late payment penalty...
by andyandyandy
Thu Jul 26, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1862

Re: Help Please!! Contract payments not being paid

So the prime contractor's company was bought/sold/changed somehow? I'm no expert, but my guess would be that's delayed the billing to the government, and the Prime is trying to hold off on payments until they start receiving the money from the government. I've seen that before, and of course, it hu...
by andyandyandy
Thu Jul 26, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1862

Re: Help Please!! Contract payments not being paid

I've had that issue a couple times in my contracting business but to a lesser extent. When I get fed up, I let client know that I will stop sending deliverables pending payment. Client then finds a way to pay real fast. Are you in a position to stop sending deliverables? If your client still doesn'...
by andyandyandy
Thu Jul 26, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1862

Help Please!! Contract payments not being paid

Bogleheads, I work in IT as a contractor for a Govt Client. I have a Corp to Corp relation with another Prime vendor and end client is Govt. 3-4 months back Prime Vendor stopped paying payments and on multiple requests they release little bit of money. But its piling up and currently 45 days of paym...
by andyandyandy
Tue Jun 26, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3632

Re: 3 nights in Vegas

Thanks all again! Couple. follow up question regarding shows: O is not available on Monday and Tuesday. So between Mystere, Ka, Love, Blue Man which one has more acrobatic stunt ( I guess love is not)? If show is in a hotel where I stay is there some discount? Any suggestions on Adult show as well ?...
by andyandyandy
Fri Jun 22, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3632

Re: 3 nights in Vegas

Thank you all for so much valuable inputs! I am putting down some notes for me :) :sharebeer :sharebeer
by andyandyandy
Thu Jun 21, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3632

3 nights in Vegas

I plan to go to Vegas with my wife on July 1st - reaching late night and starting back on 4th night 10 PM.
So about 3 night and 3 days. What can I do in this time frame to best utilize my time?

Do I need a car in Vegas or public transport is best way?
Thank you in advance!!
by andyandyandy
Thu May 03, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest about 200K
Replies: 9
Views: 1278

Where to invest about 200K

All, Where to invest 200K on which I am sitting from long time? Currently in savings account. 401K is fully invested, HSA are full. Should I look for some vanguard index funds which have some tax benefits? Also we have 80 K in I Bonds and E Bonds from previous years already. Married filing jointly i...
by andyandyandy
Sun Apr 15, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2530

Re: Yellow Stone time needed

To me, it makes no sense to fly a family of four across the country for a day or a day and a half in Yellowstone. Better to do something outdoors near D.C. such as take a trip down Skyline Drive in Shenandoah National Park or visit of the National Forests. http://visitskylinedrive.org/Home.aspx htt...
by andyandyandy
Sun Apr 15, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2530

Re: Yellow Stone time needed

You could do it, but I don't think it would be a very fun trip. It takes 4.5 - 6 hours to drive from Salt Lake City to the park, without traffic, bathroom breaks, or stopping for food. I'm planning an August trip to Yellowstone as we speak, and almost all lodging within the park are completely book...
by andyandyandy
Sun Apr 15, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2530

Yellowstone time needed

All, I understand Yellowstone park is huge and needs lot of time. But with my contract job (taking off costs), I can afford 2-3 off. With a family of 4 I will fly from DC. I was thinking to go in May Mid or June. Day 1 -Fly Friday morning from DC to Salt Lake City and then drive to Park. Night stay ...
by andyandyandy
Sat Apr 07, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Water Park Resorts driveable from DC
Replies: 5
Views: 479

Re: Water Park Resorts driveable from DC

Ecorp wrote:
Sat Apr 07, 2018 4:41 pm
Look up Massanutten Resort in VA. Probably little over 2 hours west of DC
Thank you! That looks good option.
by andyandyandy
Sat Apr 07, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Water Park Resorts driveable from DC
Replies: 5
Views: 479

Water Park Resorts driveable from DC

Bogleheads, I tried checking Wolf Lodge and Bush Garden for May 28th long weekend but these are coming like 900$ for 2 night which sounds very expensive to me. Any suggestions for a family of 4 , for max 4-5 hours drive from DC , with 2 boys 10 and 7 age? Indoor Water Park will be great but other su...
by andyandyandy
Mon Mar 12, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1152

Re: Auto water sprinklers

I have a small townhome and may shift to bigger home in next 2 years.However to save time I wanted to install sprinkler system with automation. While googling average cost is coming to 2000+. Are there other alternatives to save time on water for front yard and back yar without spending so much mon...
by andyandyandy
Mon Mar 12, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1152

Auto water sprinklers

I have a small townhome and may shift to bigger home in next 2 years.However to save time I wanted to install sprinkler system with automation. While googling average cost is coming to 2000+. Are there other alternatives to save time on water for front yard and back yar without spending so much mone...
by andyandyandy
Sat Mar 03, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security in case of 2 W2s
Replies: 3
Views: 439

Social Security in case of 2 W2s

All,

Social Security tax limit for 2017 is 127,200. With my W2 salary from my employer and salary on W2 from my own company and total exceeding the limit- How do I ensure in tax filing that I am not paying Social Security above 127,200? Or is it per W2?

Thanks for your input!
by andyandyandy
Tue Feb 06, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2510

Re: TrueCrypt Alternative

Just checking it below URL is genuine(seems new URL) for veracrypt:

https://www.veracrypt.fr/en/Downloads.html

Thank you!
by andyandyandy
Sat Feb 03, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Single Serve 'auto on at chosen time' coffee maker
Replies: 9
Views: 930

Re: Single Serve 'auto on at chosen time' coffee maker

If a single cup coffee maker does its job in 30 seconds, what is the purpose of programmable timer? Wake up and push the button, right? Purpose is coffee should be ready so it forces me to wake up at my committed time :) I am trying to put some rules to cultivate habit so that I can wake up early m...
by andyandyandy
Sat Feb 03, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Single Serve 'auto on at chosen time' coffee maker
Replies: 9
Views: 930

Single Serve 'auto on at chosen time' coffee maker

Bogleheads,

To strengthen my habit of waking up early I need help on choosing a single cup /k cup coffee maker which
Turns auto on on weekday and weekend scheduled time and brews coffee.

Appreciate any suggestions!
by andyandyandy
Sat Jan 20, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Canada
Replies: 15
Views: 1948

Re: Moving to Canada

Hello there. I live in the US and in six month am moving to Canada. Let's say I have $120K in the US that I'd like to invest in a taxable account over the next 2.5 years. There is about 90% chance that I will come back to the US after two years in Canada. Below are the two options I have in mind. 1...
by andyandyandy
Tue Jan 16, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Re: Email Security after equifax breach

Few follow up questions on email(and phone security): As per article below: https://www.forbes.com/sites/laurashin/2016/12/21/hackers-are-hijacking-phone-numbers-and-breaking-into-email-and-bank-accounts-how-to-protect-yourself/#1ecb30ff360f we should have a google voice number too for financials. ...
by andyandyandy
Mon Jan 08, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA question
Replies: 2
Views: 382

Re: Backdoor Roth IRA question

Thank you very much!
by andyandyandy
Sun Jan 07, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA question
Replies: 2
Views: 382

Backdoor Roth IRA question

Hi BGs, I needed some advice and clarification on back door ROTH IRA. Sorry for the long post. Me and my wife do married filing jointly , both below 50. Our W2 Salary should be close to 180 K but with our company profits we will exceed 250K and not eligible for ROTH. Retirements funds: His Tradition...
by andyandyandy
Sun Jan 07, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Questions
Replies: 0
Views: 191

401k Questions

Happy New Year Bogleheads! My situation is: Married filing jointly, both husband and wife married below 50. Wife and I both are members of LLC (S Corp Tax treatment). We had Solo 401K but we converted to Regular 401K (Safe Harbor) after we got another employee in our Company. I have self employment(...
by andyandyandy
Mon Nov 27, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1756

Re: overseas vacation questions

Thank you all very much! Very helpful!!!
by andyandyandy
Mon Nov 27, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1756

Re: overseas vacation questions

Thank you all very much! Very helpful!!!
by andyandyandy
Sun Nov 26, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1756

overseas vacation questions

All, I will be outside the US (DC Metro area) for 3 weeks from 2nd week of Dec. Questions I need help with are: 1) I have 2 new cars - (2 years old and 1 year old)- but no garage in my home. Is it okay to leave it outside? Or park it somewhere (Airport?) Should I inform it to Geico? 2) Do I turn off...
by andyandyandy
Fri Nov 10, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 14193

Re: Got an iPhoneX

I just came from Apple Store. iPhone X is smaller but screen bigger than 8 Plus - no doubt. However when I click camera or you tube video there is black spacing on both sides of X. When compared with 8 Plus - 8 plus screen is bigger on youtube video and rear camera. I asked this question to Staff : ...
by andyandyandy
Sat Oct 28, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: What a future expat should NOT do?
Replies: 6
Views: 1238

Re: What a future expat should NOT do?

Good points! and good idea about not leaving from 'bad state'.

Would any state be bad state if they have state income tax or it varies? Would Virginia be a 'bad' state?

Can expats stay invested in I bonds / E Bonds?
by andyandyandy
Sat Oct 28, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: What a future expat should NOT do?
Replies: 6
Views: 1238

What a future expat should NOT do?

I am curious if someone wants to be expat in short (after 2 years) or long term (after 10+years) what would be your strategy? 1) Short Term: Don't buy house Don't buy new car Where to Invest In retirement and where not? Where to Invest In general and where not? 2) Long Term Where to Invest In retire...
by andyandyandy
Tue Oct 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Re: Email Security after equifax breach

Thank you all for so many good advices! Few followup questions: 1) Since we are removing physical and cell phones , what will be the recovery method of your 'google voice mail'? 2) Same question for 'financial email' will it have a recovery 1) email 2) Phone? If yes what is the best way to set it? T...
by andyandyandy
Tue Oct 17, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Tips on Preparing will
Replies: 13
Views: 1501

Re: Tips on Preparing will

Thank you all! Couple follow up questions:

1) How do you deal with any foreign country assets (Fixed deposits, India)?
2) Could the guardian of kids be outside the US?

appreciate further input. Thanks!
by andyandyandy
Sun Oct 15, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Tips on Preparing will
Replies: 13
Views: 1501

Re: Tips on Preparing will

Sounds like you just want a short term will to cover 'the worst' until you get around to doing a better plan (which might involve a trust, or other estate planning tools like TOD, beneficiaries etc). This might be to designate guardians for your children - you REALLY need a will if you have kids. T...
by andyandyandy
Sun Oct 15, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Tips on Preparing will
Replies: 13
Views: 1501

Tips on Preparing will

Bogleheads, Very soon I am meeting with attorney through employer provided plan which covers the cost. I understand Trust has certain benefits but next few months I am tied up and probably can't convert all accounts to Trust name(unless someone says its not time consumption :) I am in VA, early 40s ...
by andyandyandy
Mon Oct 09, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Re: Email Security after equifax breach

Few follow up questions on email(and phone security): As per article below: https://www.forbes.com/sites/laurashin/2016/12/21/hackers-are-hijacking-phone-numbers-and-breaking-into-email-and-bank-accounts-how-to-protect-yourself/#1ecb30ff360f we should have a google voice number too for financials. I...
by andyandyandy
Sat Oct 07, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Re: Email Security after equifax breach

Thank you all!
How often do you keep eye on 'financial email'? Since to keep it secure we possibly avoid on mobile?
Should we use 'financial email' only on dedicated financial laptop?
by andyandyandy
Sat Oct 07, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Re: Email Security after equifax breach

Thank you very much!
by andyandyandy
Sat Oct 07, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Re: Email Security after equifax breach

Thanks! 'how much' secret should we keep that email ID? Just for financials? When we place let's say equifax frezee type of activities- do we provide their 'financial email ID' or regular? Do we keep an eye on 'financial email ID'? What is recovery mechanism of 'financial email ID'? Also please help...
by andyandyandy
Sat Oct 07, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3551

Email Security after equifax breach

Since lot if info is stolen- how do we deal with our associated email ID to various financial institutions? Should we replace with another? Although email has has 2 Factor + strong passwords. Another question- Since emails have lot of communication and information these days - how do we remove all t...
by andyandyandy
Sun Oct 01, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Massage machine for diabetic
Replies: 9
Views: 1253

Re: Massage machine for diabetic

htdrag11 wrote:
Sat Sep 30, 2017 10:54 pm
My MIL with diabetes does not walk or exercise; she found the massager helpful. She got it for over 3 years and all her friends and her older daughter in her 60's use it as well when they are visiting her.

It's also very durable but loud, despite the 2 speeds.
Thanks!
by andyandyandy
Sun Oct 01, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN [Identity Protection PIN]
Replies: 7
Views: 2384

Re: IRS IP PIN [Identity Protection PIN]

I know its old thread...checked the link too.
Just to be clear : to get a PIN for tax filing , first we must write letter to IRS, asking for permission?
Where do we send the letter? Also for married filing jointly do we both request 2 PINs?
Appreciate insight!

Thank you!!
by andyandyandy
Sat Sep 30, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Massage machine for diabetic
Replies: 9
Views: 1253

Re: Massage machine for diabetic

I have a similar machine and my MIL is diabetic. She uses it daily, once in the morning and once in the evening, about 30 minutes after meal (or before). I used to walk 4 miles about 5 days a week and need to use it. Now I no longer walk as much but do other exercise, so I hardly use mine. I'm frug...
by andyandyandy
Sat Sep 30, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: GE Fridge Water Dispenser issue
Replies: 9
Views: 1012

Re: GE Fridge Water Dispenser issue

Thank you all, let me try few options!!
by andyandyandy
Sat Sep 30, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: GE Fridge Water Dispenser issue
Replies: 9
Views: 1012

GE Fridge Water Dispenser issue

My GE Fridge Water Dispenser stopped working. Showed it to an appliance repair for $45 and he says two parts might need replacement. He did not tell clear names of part but seems circuit related with cost of 200$ +150 his labor. Problem is Serviceman said he will check prices etc , order and get bac...
by andyandyandy
Sat Sep 30, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Massage machine for diabetic
Replies: 9
Views: 1253

Re: Massage machine for diabetic

Thanks all! I bought it since Costco mentioned 90 day returun in case we did not like in India :)
I am hoping it be better quality instead of buying in India!
They also have lifetime warranty for $40 extra.
by andyandyandy
Sat Sep 23, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 2 Factor verification
Replies: 14
Views: 6880

Re: Capital One 2 Factor verification

What I'm about to suggest is a go-forward solution, and yes, it's a bit of a PITA, but it works. Open a Last Pass premium account ($12/yr). Purchase a Yubikey 4 (Amazon, $40). When you configure Last Pass, enable the Yubikey as a 2FA hardware authentication device (this is why you need premium Last...
by andyandyandy
Sat Sep 23, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Massage machine for diabetic
Replies: 9
Views: 1253

Re: Massage machine for diabetic

123 wrote:
Sat Sep 23, 2017 5:23 pm
Similar product on Amazon seems highly rated (but at a higher price) https://www.amazon.com/MedMassager-MMF0 ... t+massager
Thank you! Amazon does not seem to have option of 220 V needed for India.