Search found 147 matches

by rterickson
Sat Oct 05, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5730

Re: Social Security Card as Identification for Real ID

In California, birth certificates and passports are called Identity Documents.

You also need a separate Social Security Document such as original SS Card, W-2 or pay stub (with full SSN listed).

Then you need 2 Proof of Residency Documents (insurance, medical, utility, etc.).
by rterickson
Fri Sep 27, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity rewards Visa, affiliate data sharing.
Replies: 11
Views: 1452

Re: Fidelity rewards Visa, affiliate data sharing.

Review their privacy policies.

In some jurisdictions, i.e. California, you can opt-out of affiliate sharing.
by rterickson
Wed Sep 18, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Streaming News 12-Long Island via Apple TV Device
Replies: 4
Views: 278

Re: Streaming News 12-Long Island via Apple TV Device

I don't know about Apple TV, but anything you can see on a Chrome browser can be watched on TV with a Chromecast.
by rterickson
Mon Sep 16, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Teladoc-Specifically through FloridaBlue
Replies: 5
Views: 415

Re: Teladoc-Specifically through FloridaBlue

We have a similar service through our Anthem BC plans.

Regular co-pay of $25 on the PPO, $49 on the HDHP.
by rterickson
Thu Sep 12, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Streaming basic TV with DVR
Replies: 25
Views: 2221

Re: Streaming basic TV with DVR

I signed up this weekend for the free trial of YoutubeTV this weekend after hearing that they plan to add PBS by year-end 2019. I'm happy with the choice of stations but I have one complaint: I've found navigating from one channel to another is certainly not as easy as changing channels with either...
by rterickson
Mon Sep 09, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Streaming basic TV with DVR
Replies: 25
Views: 2221

Re: Streaming basic TV with DVR

YouTube TV has the local networks in most markets plus lots of sports for ~ $50 per month.

Their unlimited DVR is pretty well regarded.
by rterickson
Sat Sep 07, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 3669

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

I believe it’s available for streaming only if you’re in an area that can’t accomodate a dish. Like a college dorm, or a lair deep in the heart of a mountain. There is an eligible address search feature for the streaming-only service on the DirecTV website. FWIW, It looks like Sunday Ticket is curr...
by rterickson
Mon Sep 02, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Giving the DMV my SS # - safe?
Replies: 24
Views: 2030

Re: Giving the DMV my SS # - safe?

mariezzz wrote:
Sat Aug 31, 2019 1:21 pm


Passports will get you on airplanes and I've never submitted my SS # to get mine renewed.
SSN is required information on Line 5 of both the passport application form DS-11 and the passport renewal form DS-82.
by rterickson
Thu Aug 29, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Tailgating Equipment Recommendations
Replies: 22
Views: 1199

Re: Tailgating Equipment Recommendations

If you are using a table-top barbecue, a folding table and a piece of plywood or tile to protect it from heat will come in handy. See if the venue has a website, it will list all of the prohibited items. In our case Oakland Coliseum does not allow external speakers, portable toilets, or smoking anyw...
by rterickson
Sat Aug 17, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6712

Re: Neighbor's FIOS cable running over my yard

Just a minor correction to the above, CPUC General Orders are California regulations, not National. But many other states have something similar.
by rterickson
Mon Aug 12, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Polish Beer
Replies: 24
Views: 1622

Re: Recommendations for Polish Beer

Any Polish pilsner should be pretty good, and reminiscent of Yuengling back in your grandfather's day.
by rterickson
Thu Aug 08, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Best gutter guards for pine needles
Replies: 5
Views: 633

Re: Best gutter guards for pine needles

I don't have pines, but we do get a lot of cypress needles on the roof. I have had a very good experience with the EasyOn Gutterguards sold at Costco. They have some very good videos and you can get a brush that works from the ground to knock the dry needles off. Keep in mind that there is really no...
by rterickson
Tue Jul 30, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: How much discount could I expect on end-of-season mowers and trimmers
Replies: 18
Views: 1389

Re: How much discount could I expect on end-of-season mowers and trimmers

setup some deal alerts at slickdeals.net Lowes just had a good deal on an 60v battery mower - in the middle of the season. But price varies by store. https://slickdeals.net/f/13252039-lowe-s-greenworks-self-propelled-mower-ymmv-279?src=SiteSearchV2_SearchBarV2Algo1 I missed out on the slickdeal, bu...
by rterickson
Tue Jul 23, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3119

Re: Cruise advice?

Royal Caribbean has a Gratuity package that supposedly works out better than the usual nickel & dime treatment. Also, the drink packages go on sale from time to time, so check back frequently. 3 weeks ago RC screwed up and offered it for $18/day! We jumped on it, and after a day of bad publicity the...
by rterickson
Tue Jul 23, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Advice setting up new Roku
Replies: 6
Views: 745

Re: Advice setting up new Roku

You can verify your preferences if you log on to Roku.com on a computer.

Regardless of what you do with the old Roku, when you sign on to the new device with your existing credentials it will remember all of your channels.
by rterickson
Sat Jul 20, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: finding transformer in attic with insulation (edited for correct name of component)
Replies: 36
Views: 2222

Re: finding transformer in attic with insulation (edited for correct name of component)

A portable AM radio tuned between stations will pick up a lot of static in close proximity to a transformer.
by rterickson
Sat Jul 20, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about becoming a teacher in California?
Replies: 25
Views: 2231

Re: What do I need to know about becoming a teacher in California?

It's relatively painless to get a substitute teaching permit, a couple hundred bucks to apply, a background check, and if you happened to have good enough SAT, ACT or AP (advanced placement) scores back in the day, you don't even have to take the CBEST. It's a low bar to get your feet wet. My sense ...
by rterickson
Thu Jul 18, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: FSA/HSA for Newlyweds
Replies: 9
Views: 677

Re: FSA/HSA for Newlyweds

You may be able to each maintain your existing employee-only plans if your employers allow it, which would not require any changes to her FSA and your HSA. This is not correct. One spouse's enrollment in a general purpose Health FSA makes the other spouse ineligible to make HSA contributions. Thank...
by rterickson
Thu Jul 18, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: FSA/HSA for Newlyweds
Replies: 9
Views: 677

Re: FSA/HSA for Newlyweds

You may be able to each maintain your existing employee-only plans if your employers allow it, which would not require any changes to her FSA and your HSA. This is not correct. One spouse's enrollment in a general purpose Health FSA makes the other spouse ineligible to make HSA contributions. Thank...
by rterickson
Wed Jul 17, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: FSA/HSA for Newlyweds
Replies: 9
Views: 677

Re: FSA/HSA for Newlyweds

You should discuss your options with your future spouse, as well as carefully review both of your plans: the benefits, costs, rules, and any other plan requirements to determine what is best for your new family. You may be able to each maintain your existing employee-only plans if your employers all...
by rterickson
Fri May 31, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Reimbursement Documentation with Dual Coverage
Replies: 3
Views: 215

Re: HSA Reimbursement Documentation with Dual Coverage

Once the claims are finally processed I would save all of the 'Explanation of Benefits' forms from both insurance companies -- in my own files. You can safely reimburse yourself the 'Patient Responsibility' portion from you HSA at any time, even years in the future. This will be adequate documentati...
by rterickson
Wed May 29, 2019 5:37 pm
Forum: Personal Investments
Topic: Documents to keep post home purchase
Replies: 13
Views: 1218

Re: Documents to keep post home purchase

gabbar wrote:
Tue May 28, 2019 5:24 pm


PS. I didn't meet any attorney through the purchase process, unless the Escrow Branch manager was the attorney.
Nothing to worry about. This isn't customary in California, but it is common practice in some states.
by rterickson
Tue May 07, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2711

Re: Indian cookbooks

Also you YouTube, EatEastIndian and Bhavna's Kitchen.
by rterickson
Fri Apr 05, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Educational Assistance from an Employer Perspective
Replies: 4
Views: 271

Re: Educational Assistance from an Employer Perspective

Annual and Lifetime maxima, if desired.
by rterickson
Wed Mar 27, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Occupation on tax return
Replies: 25
Views: 3184

Re: Occupation on tax return

My CPA told me he advised an elderly client to choose either Concerned Citizen or Sex Goddess. She chose the former.
by rterickson
Thu Mar 21, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Your favorite slow cooker cooking book?
Replies: 6
Views: 800

Re: Your favorite slow cooker cooking book?

The Indian Slow Cooker by Anupy Singla.
by rterickson
Thu Mar 21, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4650

Re: Slow cooker vs Instant pot........

We have instant pot which we use 1-2 times a week to make Indian style beans and chicken. That sounds great, any chance of sharing your recipe? This is my favorite thing to cook. https://pipingpotcurry.com/rajma-masala-instant-pot/ is quite similar to what I cook Thank you mighty72, that looks good...
by rterickson
Wed Mar 20, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 4001

Re: Should we have renters insurance?

The building owner's liability insurance is not going to pay if one of your dogs maims a child or knocks an old lady down or causes a bicyclist to crash into a car.
by rterickson
Wed Mar 20, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4650

Re: Slow cooker vs Instant pot........

mighty72 wrote:
Tue Mar 19, 2019 8:11 pm
We have instant pot which we use 1-2 times a week to make Indian style beans and chicken.
That sounds great, any chance of sharing your recipe?
by rterickson
Tue Jan 15, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1498
Views: 157445

Re: [What TV Show Have You Recently Watched?]

So many great shows on the Acorn app (British TV). There are also Australian shows, Welsh shows and even a Dutch show on Acorn. I use subtitles so I can understand their accents. Only $5 a month! No Offence, Heart Guy, Wire in the Bloos, A Place to Call Home, Keeping Faith, The Moodys, Lord and Mas...
by rterickson
Fri Jan 11, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: can second health insurance reduce benefits?
Replies: 4
Views: 408

Re: can second health insurance reduce benefits?

If you have dual coverage, they will "coordinate" your benefits. Primary coverage will determine what they will pay, then do so. The secondary coverage will then determine what they would have paid if they were the only coverage, then adjust to account for the fact that the primary payment has alrea...
by rterickson
Mon Dec 10, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6266

Re: [Anyone drop cable for YouTube TV?]

I quit DirecTV for YouTube TV this summer and save $60 per month.

The only thing I miss at all is the History Channel. YTTV comes with Smithsonian, which is actually better.
by rterickson
Wed Dec 05, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 15692

Re: Retirement itch- when did you get it?

catalina355 wrote:
Tue Dec 04, 2018 8:33 pm

Your sick time covers 7 years?
Quite possibly.

My employer picks up the full cost of early retiree medical until Medicare eligibility, but we can "sell" sick time (8 hours buys 1 month) for dependent(s). I plan to cover my wife for 5-6 years when I retire.
by rterickson
Wed Dec 05, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 14869

Re: Murder Mystery Authors

Lawrence Sanders' Detective Edward X. Delaney in the 'Deadly Sins' series.

Jo Nesbø's Norwegian Detective Harry Hole novels.
by rterickson
Tue Dec 04, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 4165

Re: declining employer benefits?

My wife's (government) employer pays her just under $50 a month for waiving their health insurance. Periodically they ask for evidence that she is covered by my employer plan.
by rterickson
Tue Nov 20, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Documenting High-Deductible Health Plan (HDHP) for IRS
Replies: 10
Views: 1242

Re: Documenting High-Deductible Health Plan (HDHP) for IRS

Your HSA custodian will report your contributions to the IRS and send you a 5498-SA in May 2019. Keep it for your records, you do not need to file it.
by rterickson
Thu Nov 15, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: PPO or HSA
Replies: 21
Views: 2160

Re: PPO or HSA

l1am wrote:
Thu Nov 15, 2018 12:39 pm

$0 cost to me for either.

Employer pays:
PPO = $280
HSA = $220
Are you SURE about this? That it's not the employee share of the premium?

Where I live, the total cost of a similar Anthem PPO is ~ $800 per month for single, ~ $2000 for a family.
by rterickson
Fri Nov 09, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 11739

Re: Favorite "free stuff"?

btenny wrote:
Thu Nov 08, 2018 10:30 pm
I get free bagpipe concerts about once a week at my library. The librarian is a piper and goes out and marches and plays at lunch all summer. /quote]

Please put me in touch, I need a word with him. His playing for free is bound to have an impact on other pipers' side-hustles. :D
by rterickson
Fri Oct 26, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why Does Social Security Want a Form L564 From My Wife?
Replies: 16
Views: 1792

Re: Why Does Social Security Want a Form L564 From My Wife?

Please note that while your 24-year-old daughter can be covered by your HSA-eligible family HDHP up to age 26, she cannot use your HSA for her medical expenses unless she also qualifies as your tax dependent. If she does not, she is permitted to have her own separate HSA.
by rterickson
Fri Oct 26, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Action on mortgage lender.
Replies: 16
Views: 1748

Re: Action on mortgage lender.

Awesome recap Meg, thanks for taking the time to write it all out.
by rterickson
Tue Oct 16, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1924

Re: PPO vs HDHP + HSA

The $7000 HSA contribution limit must take into account the $1400 employer match so your contributions can only be $5600.
by rterickson
Wed Oct 10, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving house to kids with a surviving spouse
Replies: 16
Views: 1995

Re: Leaving house to kids with a surviving spouse

Read 'Beyond the Grave' by Jeff Condon.

He talks about all of the things that can and do go wrong in leaving property to heirs, and how properly devised trusts can help. You'll see your situation in several of his examples (second marriages, multiple 1st families, kids who can't handle money).
by rterickson
Thu Sep 27, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3738

Re: Good flip flops

recently picked up a pair of Puma 'slides' at Costco (on sale, natch!). Much better than flip flops for this guy who pronates. Also, enables me to walk around with no pain as broken toe heals. Great cushioning. Of course, not really flip flops, but for ~$15, you might check them out. +1 Bought thes...
by rterickson
Fri Sep 07, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: SS survivor benefits - only 30 days out of the country?
Replies: 6
Views: 1104

Re: SS survivor benefits - only 30 days out of the country?

There are many countries which do not have social security treaties with the US.

If you stay in one of those countries more than 30 days, SSA may withhold your benefits until you return. There are additional conditions which apply to survivors.

https://www.ssa.gov/pubs/EN-05-10137.pdf
by rterickson
Fri Aug 31, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 7306

Re: Has Anyone Tried Youtube TV?

No problems on my Roku Ultra either.
by rterickson
Tue Aug 21, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9987

Re: Landlord Nightmare

Can't you delete FB posts from your own page? I know you can with a personal account.
by rterickson
Fri Aug 17, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Worth seeing comedian live if already saw their Netflix special?
Replies: 20
Views: 2034

Re: Worth seeing comedian live if already saw their Netflix special?

I've been a fan of Bob Newhart since I was a little kid (in the 60's). Many of his jokes/routines are older than me.

I'm really glad that I got to see him live twice in the past 10 years. He won't be doing this forever.
by rterickson
Thu Aug 02, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5357

Re: Which diet soda pop do you enjoy?

Just heard on the news recently that Canada Dry are being sued because their ginger ale doesn't have any ginger in it.

I miss Tab.
by rterickson
Thu Aug 02, 2018 3:10 pm
Forum: Non-US Investing
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 25
Views: 10857

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

I would suggest consulting both a tax attorney and an immigration attorney before embarking on this scheme. You might end up still owing US taxes and not be able to visit again, much less re-establish citizenship. https://travel.state.gov/content/travel/en/legal/travel-legal-considerations/us-citize...