Search found 329 matches

by knightrider
Mon Jan 14, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs Solo 401k - What am I not getting?
Replies: 28
Views: 993

SEP IRA vs Solo 401k - What am I not getting?

If I understand correctly, the solo 401k is better than a SEP IRA in nearly every way. Particularly with contribution limits. So why would anyone open a SEP IRA? Or am I missing something?
by knightrider
Fri Jan 11, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Sold out-of-state rental property - How to calculate state taxes?
Replies: 3
Views: 324

Sold out-of-state rental property - How to calculate state taxes?

If I understand correctly I need to pay the tax in the state the property is located. In my example, the rental was in Illinois with 4.95% tax rate. But we live in NY with a state tax rate of 6.6%. So will we owe 4.95% to Illinois and the difference of 6.6 of 4.95 ( 1.65% ) to NY? I believe when we ...
by knightrider
Thu Dec 06, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1953

Re: How to cheaply replace my smartphone?

The Samsung Galaxy J7 V is a decent midrange phone. What are you doing on it that's slowing it down? The Seems facebook app is what is really slow. If the phone has been sitting for a while then it can take 30+ seconds to become usable again. Even then clicking anything takes a second or two of lag...
by knightrider
Thu Dec 06, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1953

Re: How to cheaply replace my smartphone?

I have Moto G6 on Google Fi for 3 days now and it looks ok so far. https://fi.google.com/about/phones/ Interesting, I never was aware of google fi.. Seems like in trying to simplify things they have added another new carrier I need to understand :? Can one do mobile hotspot with google fi? That is ...
by knightrider
Thu Dec 06, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1953

Re: How to cheaply replace my smartphone?

aristotelian wrote:
Thu Dec 06, 2018 2:16 pm
Are you locked in to Verizon for some reason?
We have some kind of family plan with 6 phones ( my parents and my in-laws are all in it ).. I am not sure if the plan gets cancelled if I leave? I was the one who set it all up many years ago...
by knightrider
Thu Dec 06, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1953

Re: How to cheaply replace my smartphone?

bloom2708 wrote:
Thu Dec 06, 2018 11:46 am
You can have 5 phones (if you wanted to) and move the SIM between them as needed.
That sounds too good to be true! If only things were this simple. It seems phones are designed for some networks and not others. Seems verizon (cdma) needs some special kind of phone?
by knightrider
Thu Dec 06, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1953

Re: How to cheaply replace my smartphone?

The issue I had though is that sometimes, the batteries already have substantial use, and it's not very long before they won't hold a charge for very long. The other issue I had is that if you get Verizon branded phones much of the memory is used with bloatware you can't delete. Good point about th...
by knightrider
Thu Dec 06, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1953

How to cheaply replace my smartphone?

I have been using a Samsung Galaxy J7 V for past two years through Verizon. It is now becoming rather slow and sluggish. I uninstalled a bunch of apps but I think it just needs more memory. So can I buy any unlocked phone? Specifically I was looking at these ones: https://www.amazon.com/gp/offer-lis...
by knightrider
Tue Nov 27, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3492

Re: How do value the cost of commuting?

If it ain't broke, don't fix it.. Keep in mind you'll possibly have to say good bye to your side hustle and rental properties with a new job. Some new jobs can be very demanding. It is hard to know until you start...
by knightrider
Tue Nov 27, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2880

Re: Dual Monitor Set up

Monitors are almost free on craigslist and in thrift stores. I have never bought a new monitor in over eighteen years. Any pair of monitors will be fine, they don't have to be same size or model. I use mismatched ones all the time.
by knightrider
Sat Nov 17, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1298

Re: How to pick a wifi router to replace one we rent from Cox?

You will have to call Cox for them to recognize / activate the modem. I was hoping it could all be done online. Ideally I would buy a cheap $40 router and if it doesn't work I would just revert back to the existing rental one.. But having to call them makes this whole change a bit more complex . I ...
by knightrider
Sat Nov 17, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1298

Re: How to pick a wifi router to replace one we rent from Cox?

Those are modems you linked, not routers.. are they looking to replace the router or the modem? I believe the one they rent is an all-in-one unit ( modem + router )..So something similar would be ideal. I found ones for $50 like this one: https://www.amazon.com/ARRIS-SURFboard-SBG6580-RB-DOCSIS-Rou...
by knightrider
Sat Nov 17, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1298

How to pick a wifi router to replace one we rent from Cox?

My in-laws pay $10/month to rent a router from Cox. They want me help them replace it with their own. Seems there is a long list of routers one can use: https://www.cox.com/residential/support/cox-certified-cable-modems.html# My questions are: How to know which would be good for a 3500 sq. ft home? ...
by knightrider
Wed Nov 07, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5507

Re: New job concerns

I would avoid discussing this with anyone higher up. Just stick to your regular schedule . If anyone asks you to stay late, say you can't. Let that person complain to your boss and then your boss can talk to you..
by knightrider
Wed Nov 07, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1831

How much to donate to local police and fire department?

Got letters asking to donate to both. The fire department is volunteer run ( not sure what exactly that means ). I plan to give $50 to each. But not sure if I should give more? What criteria would you use to determine the amount?
by knightrider
Wed Nov 07, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle 401k or taxable?
Replies: 27
Views: 1700

Re: Side Hustle 401k or taxable?

profet wrote:
Wed Nov 07, 2018 9:36 am

solo 401k let's you contribute on both sides...
Thanks, I was not aware what a solo 401k was despite having a side-hustle for 15+ years!

I wonder why the SEP IRA exists if a solo 401k is the same plus upto 18.5k?
by knightrider
Wed Nov 07, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 967

Re: Christmas gift suggestions for 2.5 year old?

Alexa9 wrote:
Wed Nov 07, 2018 9:30 am
Personally, I wouldn't request anything. They probably enjoy doing it.
You are probably right. I just get annoyed at the mountains of stuff they buy unnecessarily. I would be happy if they at least bought it used. But that too is against their principles..
by knightrider
Wed Nov 07, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle 401k or taxable?
Replies: 27
Views: 1700

Re: Side Hustle 401k or taxable?

SEP only allows employer contributions, so the OP could just do that with the i401(k). I guess I don't follow the difference between 401k and SEP. If you are already maxed out your 401k with your full time job, can't you still contribute pre-tax money to your SEP IRA ( subject to ~20% of the side-h...
by knightrider
Wed Nov 07, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 967

Christmas gift suggestions for 2.5 year old?

Every year our grandparents shower our little one with new books, toys, and clothes. The issue is he already has enough of all those and we get them for cheap used anyways. Can I suggest anything else they can give? Money and gift-cards are not an option as it's against their principles or something...
by knightrider
Fri Nov 02, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle 401k or taxable?
Replies: 27
Views: 1700

Re: Side Hustle 401k or taxable?

Can you invest in SEP IRA? I thought those can always be funded even if you maxed out your employer 401k? I've been doing that for 15 years, hopefully I am not doing something wrong!
by knightrider
Thu Nov 01, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Can Verizon waive inadvertent international data charges?
Replies: 10
Views: 884

Re: Can Verizon waive inadvertent international data charges?

We called verizon and they reduced the $150 fee to $5. Apparently iphones have some setting that tells it to automatically switch to the most powerful network. So that must have got triggered somehow.
by knightrider
Thu Nov 01, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Can Verizon waive inadvertent international data charges?
Replies: 10
Views: 884

Can Verizon waive inadvertent international data charges?

My in-laws raked up $150 in international data charges while on a trip to Canada. It seemed to all happen in a matter of hours. They have no idea how it happened as they said they were not even using their phone. Any appeal process to get these waived?
by knightrider
Wed Oct 31, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 1942

Re: Tire rotation - low mileage car

I usually rotate around 20k. Too much hassle with questionable benefit to do more frequently.. I rarely drive over 65 mph and I am a defensive driver. So I doubt I am risking much in safety by doing this..
by knightrider
Wed Oct 31, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2780

Re: IT Career Advancement-What path?

My 2 cents is to avoid learning some buzzword skill just for the sake of having it on your resume. If you don't use it you lose it. I would focus on getting a deeper understanding of something you are interested in. Maybe learn assembly for some vintage computer?
by knightrider
Mon Oct 29, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: How to sell a nice professional office desk?
Replies: 12
Views: 1099

Re: How to sell a nice professional office desk?

The market dictates the price and there is not much market for office desks.. I would drop the price by 20% every week until you get some bites. I doubt you would get more than $100 for it, IMO..
by knightrider
Sun Oct 28, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: DIY air purifier for $25
Replies: 13
Views: 1563

Re: DIY air purifier for $25

How does one know when it's time to change the filter? Or do I need to invest in of those particulate counters?
by knightrider
Sun Oct 28, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1899

Re: How to debug slow wifi?

I am happy to report that the wifi is now blazing fast after I enabled the 5Ghz network on the router! Seems all my devices support it. No idea why the 2.4 ghz all of a sudden slowed down . Perhaps due to interference as others suggested..
by knightrider
Fri Oct 26, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1899

Re: How to debug slow wifi?

All good replies so far. One thing I forgot to mention is my router appears to be dual band. Yesterday, I checked the box for 5Ghz network and restarted it. But I did not see any 5Ghz network show up in my list of wifi networks.. Perhaps it is not dual band?
by knightrider
Fri Oct 26, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 39
Views: 4094

Re: Should I get vision insurance?

The vision insurance I've had through employers was, literally, a no-brainer. It easily paid for itself to cover exams, eyeglasses, etc. Now, if you don't wear glasses just paying for the exams yourself might be fine. Perhaps if you buy frames at store. Online frames/lenses are nearly an order of m...
by knightrider
Fri Oct 26, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1899

Re: How to debug slow wifi?

When mine slowed down a year ago, I purchased a new/modern router and all was well. The old one was 5+ years old. I'm hoping to avoid the nuclear option :-) I have a complex home network of two raspeberry pis. One is running a public web server. The other is running a local radio station so I can s...
by knightrider
Fri Oct 26, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1899

How to debug slow wifi?

In the past few weeks our wifi has suddenly started slowing down in the bedrooms farthest from the router. I did a speedtest in our upstairs bedroom and only got 3Mbps for download and .2 Mbps for upload. We never used to have problems watching videos in this bedroom. Now they stall for buffering.. ...
by knightrider
Fri Oct 26, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 39
Views: 4094

Re: Should I get vision insurance?

I wonder what is the point of vision insurance, since it sounds more like a pre-payment plan than insurance? Is it just a scam to fool employees into thinking they are getting some kind of benefit? Do people really need a savings plan to pay for a few hundred dollar expense every few years? I am sur...
by knightrider
Thu Oct 25, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2780

Re: How to deal with recruiters when not actively looking for job?

Thanks for all very helpful tips. What are folks thoughts on long-term contract positions with hourly rate? I honestly have no clue what this means, pertaining to the high-tech megacorp field. Can you elaborate? It's basically when some company puts you to work in a mega-corp as a contractor. So yo...
by knightrider
Wed Oct 24, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2780

Re: How to deal with recruiters when not actively looking for job?

the hourly rate would have to be really high, like double your hourly when working at a company. You don't get health insurance, you don't get a 401K or a match, and it isn't great for your resume. If you are retired and have insurance from gov't or medicare, then it makes sense. I wonder what kind...
by knightrider
Wed Oct 24, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2780

Re: How to deal with recruiters when not actively looking for job?

Thanks for all very helpful tips. What are folks thoughts on long-term contract positions with hourly rate?
by knightrider
Wed Oct 24, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2780

Re: How to deal with recruiters when not actively looking for job?

The other thing you should do to develop a recruiter relationship is help them network. Get a full description of the position and either give the recruiter the contact or call them yourself. You can also be discreet by asking the recruiter not to give out your name. I am not sure I follow what you...
by knightrider
Tue Oct 23, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2780

Re: How to deal with recruiters when not actively looking for job?

Good tips, thanks! Can I also ask about remote work options? Is that something recruiters can find out from the hiring manager? Or is that question better left till after some initial screening interview? I currently work just 2 miles from my house. So I am not looking to take a job with 1 hr+ commu...
by knightrider
Mon Oct 22, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with recruiters when not actively looking for job?
Replies: 21
Views: 2780

How to deal with recruiters when not actively looking for job?

I work in the tech field for a mega-corp. I am happy with my job but have some concerns I may get laid off ( ~50% chance ) in another few years. I am open to other opportunities, but not quite ready to jump ship yet unless it is the right opportunity. So do I tell recruiters upfront I am looking for...
by knightrider
Mon Oct 22, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: How to open a sealed up fireplace?
Replies: 13
Views: 1229

Re: How to open a sealed up fireplace?

birdog wrote:
Mon Oct 22, 2018 3:07 am
Cut the caulk with a knife, simple as that.
Unfortunately I have had no luck using a box cutter blade. Perhaps I need to use a pointed craft knife. I am beginning to wonder if there is more than just caulk holding it shut? Perhaps some nails?
by knightrider
Mon Oct 22, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3409

Re: Why are Carbon Offset Credits so cheap?

I bought around $150 (50t) worth of offsets this year from terrapas. It seems a reputable place. Like others said, I do it to support the cause. I have no doubt we will soon have carbon tax.. So this is just practice :-)
by knightrider
Sun Oct 21, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: How to open a sealed up fireplace?
Replies: 13
Views: 1229

How to open a sealed up fireplace?

Our fireplace was sealed shut with caulk by the previous owner. They never used it so wanted it sealed up. We want to start using it now. Any suggestions for how to cut the caulk?

Image
by knightrider
Tue Oct 16, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2119

Re: Bed bug problem attack plan

forevernaive wrote:
Sun Oct 14, 2018 2:40 pm
+1 for non toxic diatomaceous earth. Buy a hand puffer and wear a mask as it is harmful to your lungs. It works.
I don't recommend this, since there is no way you can place this powder everywhere the bed bugs travel. Plus it is debatable if it is harmful to humans so I would pass.
by knightrider
Tue Oct 16, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2119

Re: Bed bug problem attack plan

I followed this site's advice and got rid of a few infestations in various condos over the years: https://julesnoise.wordpress.com/2013/06/20/50/ It is very wordy, but it works if you understand how bed bugs operate. On youtube you can search for "bed bug shield" to see some videos. Note that this s...
by knightrider
Wed Oct 10, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6731

Re: Best headphones under 500 bucks

Sasquatch wrote:
Tue Oct 09, 2018 9:59 am
I like my grado SR60s. Great bang for the buck. Many different price points to choose from in their line up.
I agree. I upgraded to the Sr80e ($99) and am very pleased..
by knightrider
Fri Oct 05, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: How to contact Amazon support?
Replies: 4
Views: 554

Re: How to contact Amazon support?

I can never find it on their site. I just google "Contact Amazon" Great, that worked like a charm. They only give option of phone or chat. I did chat and got my issue resolved: Mayank: Hello, my name is Mayank. I'm here to help you today. I am sorry for the inconvenience you have experienced in thi...
by knightrider
Fri Oct 05, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: How to contact Amazon support?
Replies: 4
Views: 554

How to contact Amazon support?

I can no longer add reviews on Amazon. I get this message: Sorry, you do not yet meet the minimum eligibility requirements to write a review on Amazon. For more information, please reference our Community Guidelines. I have submitted nearly 50+ reviews since I've opened my Amazon account back in 200...
by knightrider
Thu Oct 04, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Working as a freelance consultant: Sole proprietorship, SCorp or LLC?
Replies: 30
Views: 2835

Re: Working as a freelance consultant: Sole proprietorship, SCorp or LLC?

Spirit Rider wrote:
Wed Jul 12, 2017 8:30 am
A sole proprietorship with adequate liability insurance is often the best choice.
Do umbrella insurance policies normally cover sole proprietorship business activities?
by knightrider
Thu Oct 04, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2140

Re: How much interest do I owe if I don't pay credit card balance in full?

Becasue credit card interest should follow standard practices that anyone should understand. It's going to be hard to explain over the phone my complex scenario of paying x on such date and y on another date.. Isn't that the whole point of this forum, i.e to simplify the complex world? Problem is, ...
by knightrider
Thu Oct 04, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2140

Re: How much interest do I owe if I don't pay credit card balance in full?

Why would you ask this of random internet strangers? I could give you some calculation I ran and just make up a bunch of numbers. Call your credit card company and ask them. Becasue credit card interest should follow standard practices that anyone should understand. It's going to be hard to explain...
by knightrider
Thu Oct 04, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2140

Re: How much interest do I owe if I don't pay credit card balance in full?

Depending on when you charged things the amount may very as it will impact how long the interest compounded for. Usually if you do not pay in full you will get charged interest on all the purchases since last paid in full bill. 5000*20%/365*30 = ~$85 for just Sept, 1000*20%/365*5 = a few dollars. B...