Search found 527 matches

by legio XX
Tue Nov 05, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5099

Re: Travel hacking international flights

Really surprised at the numerous mentions of United - https://www.cnn.com/2017/04/10/travel/passenger-removed-united-flight-trnd/index.html short-term memory needs some exercise maybe I'm amazed that you thought this news article was relevant to the question posed by the OP. It isn't. As for United...
by legio XX
Tue Nov 05, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13641

Re: Finances in NYC

FrugalConservative wrote:
Tue Nov 05, 2019 4:00 pm
Bushwick and bedstuy, are great neighborhoods? lol. Couldnt pay me to live there.
Good. The people who have owned and rented there for generations would approve.
by legio XX
Tue Nov 05, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13641

Re: Finances in NYC

skime wrote:
Sat Nov 10, 2018 9:41 am
You'll be miserable living in Manhattan on 122k. It's a lot more expensive than you may think. If saving is a priority, stay out of NYC unless you run a bank or hedge fund.
Nonsense.
by legio XX
Mon Oct 28, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5099

Re: Travel hacking international flights

Really surprised at the numerous mentions of United -

https://www.cnn.com/2017/04/10/travel/p ... index.html

short-term memory needs some exercise maybe
by legio XX
Fri Oct 25, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5279

Re: Who does your tax returns?

Do it myself by hand. Then I know what affects my taxes to what degree, and no software program is screwing it up. Also, zero cost. Same here. Modest income and pretty simple return. I consider it earning what I would pay a preparer. Software is less expensive, but I would need to learn to use it. ...
by legio XX
Sat Oct 19, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D provider help-Wellcare Wellness
Replies: 39
Views: 3138

Re: Medicare Part D provider help-Wellcare Wellness

Hi. I've been on Wellcare this past year. No problems. I use one generic regularly, no mail order. I will check prices for the coming year and go with whoever is cheapest.
by legio XX
Thu Oct 17, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3991

Re: Moving my home landline phone number to MagicJack - good idea?

Not a good idea. viewtopic.php?t=230651#p4203833

SandysDad - You returned a MagicJack? How? Getting $$ back from them is more than I could do - congrats!
by legio XX
Thu Oct 17, 2019 7:11 pm
Forum: Personal Investments
Topic: social security 'extra security' feature?
Replies: 25
Views: 2201

Re: social security 'extra security' feature?

Never used this myself, but a friend recently applied for Medicare and ran into problems. The financial questions were irrelevant - e.g., which of these lenders do you have your auto loan with; this person has never owned a car - so the answer was "none of the above" and the system was unhappy when ...
by legio XX
Wed Sep 25, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 4555

Re: Is it out-of-style for business women to wear pantyhose?

OK, business attire is rare on the working levels of academe so I did a couple of quick surveys: On the subway: probably a bit late in the morning for a good sample, but those wearing what looked like business attire were uniformly bare-legged. Not sure if a conservative dress with hiking boots coun...
by legio XX
Tue Sep 24, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9690

Re: Physical activity suggestions for a non athletic youth

Exercise and diet play off each other - exercise makes you feel good and makes you want to eat healthier...which makes you feel good and makes you want to exercise. This. It ain't the calories you work off but the feel good factor. I was one of the bounce off the wall and jump on the couch kids - t...
by legio XX
Sun Sep 22, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2564

Re: ongoing eBay buying problems

I thought I should let people know how this turned out. I can now buy on eBay, as usual. No idea what the problem was so nothing useful to say to anyone with the same problem. It began when I couldn't complete a purchase transaction. Went through the usual process until the end; then the screen woul...
by legio XX
Sat Sep 21, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1637

Re: Need new Refrigerator

Consumer Reports has no shills, nor any advertising. I don't consider CR or Wirecutter a review site. I mean those sites that purport to be reviews by customers/users but are routinely manipulated by vendors/producers/"influencers." Since I don't use them I can't quickly point out examples, but the...
by legio XX
Sat Sep 21, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax form for Seniors.
Replies: 23
Views: 1777

Re: Tax form for Seniors.

Some of us prefer paper and using arithmetic so we understand what affects our taxes instead of tossing numbers into a black box where who knows what happens to them. I do a lot of tax returns for seniors -- well over 100 per year. Often someone will come in with even a fairly simple return done by...
by legio XX
Sat Sep 21, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1637

Re: Need new Refrigerator

My suggestions: 1) Research on sites specific to buying appliances, not a financial forum. Subjective feedback from a few people is worthless. In my experience the honest subjective feedback of a few knowledgeable people has been worth a good bit. Major appliances, ongoing expenditures, e.g., cell ...
by legio XX
Fri Jun 28, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5538

Re: NYC Apartment to sue or not to sue

Yeah he should talk to a lawyer, end of story. ... That said, I looked up the new NYC law. At surface, it looks like it strengthens rent-control and gives greater rights and protections to Tenants. That's what makes this situation so odd. A law protecting renters seems to have screwed OP, a renter....
by legio XX
Fri Jun 28, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5538

Re: NYC Apartment to sue or not to sue

And as Pete mentioned it is rent stabilized. Rent controlled is where you read about someone having a 3 bedroom that the family has lived in for 50+ years and pay $640 a month on Park Avenue (or C.P.W.). Rent controlled apts have not turned over since 1971. Other rent regulated apts are rent stabil...
by legio XX
Fri Jun 28, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5538

Re: NYC Apartment to sue or not to sue

Like another poster said, it’s posts like this would make me think twice about being a landlord. Personally I think there’s no case. They weren’t even on the lease at the beginning of their tenancy so how does what happened In the past affect them that much if rent can increase when tenancy is chan...
by legio XX
Wed Jun 05, 2019 7:30 pm
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 4566

Re: June 6, 1944 D Day and General Patton

I take benign issue with a bit of your post. Reference the "Greatest Generation" . Tom Brokaw, when he coined the tag, included the trials of the Great Depression undergone by that generation. When kids (and I was one at the time) remember those years as tough, believe it....and they were very toug...
by legio XX
Wed Jun 05, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3626

Re: Refrigerator Advice

We bought a Samsung french door, bottom drawer freezer about 5 years ago. Yeh. So did I. Next fridge will not be Samsung. Next fridge I will research the model before I buy it. Too late now, but the model I bought (RF197ACRS) had a reputation . . . Also, the bottom freezer is bigger than I need. Th...
by legio XX
Wed Jun 05, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Help:Finally cutting the cord with U-verse...
Replies: 14
Views: 1091

Re: Help:Finally cutting the cord with U-verse...

Ykcor wrote:
Wed Jun 05, 2019 5:40 pm
Addendum: any experience with OOMA or Majic Jack?
Magic Jack - been there and done that. Wouldn't touch them now. Have a look at this thread:
viewtopic.php?t=230651
by legio XX
Wed May 29, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17904

Re: Fun paid jobs after FIRE

Sometimes it's hard to get past who you were to who you could be. So, consider taking some of those fun quizzes about "what do you want to do when you grow up" or a more serious test such as the Strong Interest Inventory . Use them as tools for asking new questions ... and getting some insight into...
by legio XX
Wed May 29, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11588

Re: Paying Kids For Good Grades -- do you do it?

Since somebody revived this first world problem thread: I now think I have a better handle on where the grade grubs hatch. I've had students who worked for their Cs or even Ds and when asked wrote them the best recs I could. Some of the sums mentioned here are unreal - and make me feel really old. I...
by legio XX
Thu May 23, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2564

Re: ongoing eBay buying problems

eBay and PayPal split many years ago, but eBay continued to use PayPal as their payment processor. That is changing and they are moving sellers over to their new "Managed Payments" platform that does not include PayPal, at the moment, I believe. My buddy, who is a massive seller was switched over, ...
by legio XX
Thu May 23, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2564

Re: ongoing eBay buying problems

Still not enough detail. How are you buying? Adding one time to cart and checking out? Clicking buy it now? Be specific if you want help. You “can’t make purchases” could mean: -technical error when you add to cart or click buy now -your card or form of payment is declining the purchase -everything...
by legio XX
Thu May 23, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2564

Re: ongoing eBay buying problems

z91 wrote:
Thu May 23, 2019 9:43 am
Still pretty vague. What's the error?

If you're this vague with the reps, I can see why they might not be able to help..
Cannot make a simple purchase. How is that vague?
by legio XX
Thu May 23, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2564

Re: ongoing eBay buying problems

You haven’t provided enough clear detail to explain your problem, at least from how I’m reading it. Can't make purchases on eBay. Long time eBayer. No CC or PayPal problem anywhere else. "Reps" no help. Are you able to make routine eBay buys lately? Both buy and sell on very small scale, but the im...
by legio XX
Thu May 23, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: For delinquent Credit Card acct can the bank do an ACH Withdrawal w/o my O.K.?
Replies: 8
Views: 946

Re: For delinquent Credit Card acct can the bank do an ACH Withdrawal w/o my O.K.?

Also, don’t be afraid to appeal in writing with certified mail using their process if you feel you have a good chargeback case. +1 on this. My credit union CC put me through some hoops with a disputed charge. I had to fax the receipt from a b&b and the record of my emails to the booking co to show ...
by legio XX
Thu May 23, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2564

ongoing eBay buying problems

Has anyone else had problems buying on eBay? I've already wasted the time to call eBay and PayPal. PayPal says eBay is responsible for its own site; eBay says the problem is the vendor's and they "noted the problem." What are the odds that I'd pick four or five consecutive vendors with problems? I f...
by legio XX
Sun May 19, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: How do I prevent yellow underarm stains on my white shirts?
Replies: 24
Views: 3511

Re: How do I prevent yellow underarm stains on my white shirts?

There are some dress shirts with built in tampax pads in the armpit area. Consider buying those. Saw it on shark tank once. If you search eBay or Amazon for "armpit protectors" you get plenty of options, some treated with deodorant. These worked when I was into silk shirts. Saved a lot on the clean...
by legio XX
Sat Apr 27, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30524

Re: 20 countries where 200K in retirement savings will last you decades

$24k/year don't sound like a very comfortable life. Been there and done that for most of my life. Seem to have survived. But, the thought of pulling up and living as an expat - anywhere - is not appealing. No matter how high I could live on a modest income. Don't really want to learn another foreig...
by legio XX
Tue Apr 09, 2019 7:18 am
Forum: Personal Investments
Topic: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?
Replies: 8
Views: 846

Re: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?

FactualFran wrote:
Mon Apr 08, 2019 2:58 pm
Read the Vanguard document: 2018 Form 1099-B Reference Guide.
Thank you Factual. Didn't know about this. A form that needs a guide to reading it - oh joy! Would it really cost them to improve readability?
And my students think Latin paleography is weird . . .
by legio XX
Mon Apr 08, 2019 1:51 pm
Forum: Personal Investments
Topic: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?
Replies: 8
Views: 846

Re: Software and Tax Software Selects Schedule D vs Form 8949 for Reporting Stock Transactions?

What is involved is written right there on Schedule D. Did you read it? Yes, I did. More than once. The instructions (page D-12) say, "Box 3 isn't checked, meaning that basis wasn't reported to the IRS." If there is a box 3 on my Vanguard 1099-B I need new glasses. Basis is given along with dates o...
by legio XX
Tue Mar 26, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Those of You Having Medigap Plan F More than 5 Years
Replies: 40
Views: 2639

Re: Those of You Having Medigap Plan F More than 5 Years

Thank you dodecahedron. Breathing easier, for now.
by legio XX
Tue Mar 26, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: International bank transfers
Replies: 4
Views: 421

Re: International bank transfers

Perhaps some businesses are set up to receive payments in foreign currency, but most are not. The bank fees to deposit such a check and to convert the currency, if even possible, would amount to probably at least as much as the fees for a bank transfer. Most likely, I'd get an email from the Associa...
by legio XX
Tue Mar 26, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1121
Views: 125858

Re: What frugal thing did you do today?

I'm on a roll. Saturday I grabbed a late lunch from the Chinese food truck near the library ($7) and since the lunch rush was over the guy piled it on, enough for almost two meals. She she ni! Sunday I Craiged another Ikea lamp with a reading arm - now have one in every room of the apt, and this one...
by legio XX
Tue Mar 26, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: International bank transfers
Replies: 4
Views: 421

International bank transfers

I know I've raised this question before, but can't find the thread. Sorry, but this is still an issue. I need to occasionally make small payments to entities, such as a scholarly association, in Italy or the UK. They are not set up for PayPal or credit cards and so it's not so simple as buying books...
by legio XX
Tue Mar 26, 2019 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Those of You Having Medigap Plan F More than 5 Years
Replies: 40
Views: 2639

Re: Those of You Having Medigap Plan F More than 5 Years

legio XX, you have to understand that New York is divided into several regions for Medicare supplement pricing. Check out your state charts. People in Manhattan pay way, way more than Empire state residents in other parts of the state. Yes, NY is basically a hellhole for Medigap insurance (like clo...
by legio XX
Mon Mar 25, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Those of You Having Medigap Plan F More than 5 Years
Replies: 40
Views: 2639

Re: Those of You Having Medigap Plan F More than 5 Years

I have been confused about this ever since the death of Plan F was announced. This thread isn't helping . . . We are in New York and have Plan F from AARP/UnitedHealthcare. Monthly premiums over the past few years: 2013 $257.00 2015 $259.00 2016 $269.50 2017 $277.00 2018 $292.50 2019 $292.50 I am al...
by legio XX
Mon Mar 25, 2019 5:19 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 418
Views: 67624

Re: Good Modern Science Fiction

Stranger in a strange land was one of the worst sci-fi books I've ever read. I will def admit that I am younger than his era and thus the tropes of the day used on that book seem totally dated and ridiculous to me, likely because I don't relate to that era. I think the problem with Stranger is that...
by legio XX
Sat Mar 16, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 24
Views: 2256

Re: Experian credit freeze

Get the free Experian app and create a free account. Log in and look at the lower right corner of your screen. Bonus: free Experian FICO 08 and a fresh Experian credit report every 30 days. Assuming you can actually freeze the account with this app, doesn't this put a lot of credit info on your pho...
by legio XX
Fri Mar 01, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 8014

Re: BH could you live off your SS benefit?

Just curious how many BH feel they could live comfortably or somewhat comfortably on SS alone in retirement. Given both my wife and I have worked at good paying jobs our entire careers and that we live in a MCOL with a paid off home I think as long as our expectations were reasonable I can say we c...
by legio XX
Mon Feb 25, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 8192

Re: Who does their own taxes?

I used to get paper forms from the library or the IRS. But now I download the pdf's from the IRS web site, fill them out, print them, and mail them. Best way to understand what is going on with your taxes. I also use a spreadsheet to forecast my taxes during the year, so that I end up owing about $...
by legio XX
Sat Feb 09, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit card issue. Pay in full or settle?
Replies: 24
Views: 2212

Re: Credit card issue. Pay in full or settle?

I was 18 when this happened and i'm trying to make things right. Can someone please help a sister out??? <snip> I always find it odd that when it comes to someone failing to fulfill their obligation on some debt, that the natural response (as you see on this forum responses) is to make the bank/cre...
by legio XX
Sat Feb 09, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Credit card issue. Pay in full or settle?
Replies: 24
Views: 2212

Re: Credit card issue. Pay in full or settle?

That was very helpful. I do not have any statements but I i'm going to ask for them. Thank you so much. Also be sure not to make a small payment "in good faith". Many states have statute of limitations for how long they can wait to sue you in court over a credit card debt. Three years is common. Ty...
by legio XX
Sat Feb 09, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Credit ID hacked, got $4900 T-Mobile bill
Replies: 36
Views: 4767

Re: Credit ID hacked, got $4900 T-Mobile bill

There is another credit bureau that deals with telecommunications; it may be too late to freeze your report with them now, but it couldn't hurt... https://www.nctue.com/Consumers Krebs on the National Consumer Telecommunications and Utilities Exchange (NCTUE), or nctue.com Thanks for this. AT&T, hu...
by legio XX
Tue Feb 05, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: Crypto Exchange goes bankrupt after owner dies with only password
Replies: 90
Views: 11806

Re: Crypto Exchange goes bankrupt after owner dies with only password

gotta love this forum! Came to see what was being said about the crypto currency situation and go away with a reading/viewing list on WWII and the recent use of untraceable funds, etc. (Hey, could you post or pm a few titles on the North Koreans, post-9/11 and similar operations? thanks. The one I k...
by legio XX
Sat Jan 19, 2019 6:57 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1049
Views: 145310

Re: Post your Financial Milestone Announcements Here

My wife and I have accumulated enough wealth that I felt mostly comfortable signing up for a monthly membership at the local car wash today (basic carwash only). :D OK, this is modest enough that I was inspired to think over 2018. Will probably never see two commas - my number is half that if only ...
by legio XX
Sat Jan 19, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 196
Views: 22622

Re: What I spent in 6 months on medicare

Yes, comparing the payments by our Medigap insurer ($9,871) to our premiums ($15,397), you could conclude that we have overpaid for our coverage (Medigap Plan F), but I prefer the simplicity and consistency over the alternatives. Just a reminder that the cost of insurance must be weighed against th...
by legio XX
Sat Jan 12, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 9419

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

Nicolas Perrault wrote:
Sat Jan 12, 2019 6:29 pm
I'm not American by the way.
Hockey player? Actor? Explorer?
Am enjoying this exchange. <Nisi, you are a mentor.>
What have I actually done? Thought about EM, endless optimism of the 60s, but never invested in it. Good to rethink every once in a while.
by legio XX
Sat Jan 12, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 659

Re: Leave negative eBay feedback for item not received?

. . . A simple, "Item never shipped, seller did not respond" would suffice with the negative. I've been selling a bit on eBay since y2k+1. Even when sellers could leave negative feedback for buyers I found a cool, factual - and brief - statement did no harm. BTW, with non-shipment or shipment of so...