Search found 74 matches

by ft2010
Fri Nov 16, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: best way to find flights
Replies: 13
Views: 1885

Re: best way to find flights

28fe6 wrote:
Thu Nov 15, 2018 1:59 pm
But it still makes you choose an exact date and doesn't let you enter a range for departure/return dates.
Try to use the calendar feature in Google flights
by ft2010
Thu Nov 15, 2018 2:28 am
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 20
Views: 1704

Re: Dumb question about bedding and comforters

Needed a new winter blanket. Purchased a cheap down alternative comforter (says 100% polyester fill and cover). It's machine washable. Do I need to get a separate cover for this thing? I've seen what basically look like pillowcases for comforters (duvet covers?). Or since it's down alternative and ...
by ft2010
Wed Nov 14, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2595

Re: Understanding the difference in cell phone OS types

For someone hasn't used a smart phone and wanting to buy one in the near future, I would say go with Android to test waters. First of all, you can get a decent entry-level Android phone much cheaper (than iPhone). Secondly, as 5G is fast approaching, chances are that one would upgrade to a new phone...
by ft2010
Mon Nov 12, 2018 3:18 am
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2089

Re: United MileagePlus - Confused and looking for cheaper options

Uh no, I don't think you can get good value burning MileagePlus at hotels. Someone prove me wrong. It's the other way around... converting Marriott points to United Mileageplus during the 30% bonus promo window is a very good deal. OP dose not appear to be focused on extracting maximum value from h...
by ft2010
Mon Nov 12, 2018 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Will I Get Approved for with no Credit Score?
Replies: 7
Views: 697

Re: Which Credit Cards Will I Get Approved for with no Credit Score?

Secured card makes the most sense to me. From the bank's point of view, how can they justify extending credit to someone who has no credit background? After a few months (especially if you can pay the secured card off in full every month) you can ask to have the cash security returned to you. At th...
by ft2010
Fri Nov 09, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2089

Re: United MileagePlus - Confused and looking for cheaper options

scorp_pccorp wrote:
Fri Nov 09, 2018 9:29 am
Good to know that I can use the MileagePlus miles at hotels. I will try to use up the remaining miles there.
What?
by ft2010
Fri Nov 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2089

Re: United MileagePlus - Confused and looking for cheaper options

Two mishaps in the op: (1) transferred UR points to UA without studying cost for redeeming UR for cash value vs. millage redemption at UA, (2) considering purchasing UA miles for redeeming coach tickets,which often is a poor value. Remedy: pay both tickets by cash; pay 1 direction by miles and anoth...
by ft2010
Fri Nov 09, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 751

Re: Moving TMobile account from flip phone to iPhone

Most folks having legacy T-Mobile pay as you go accounts, use very little talk time compared with the rest of population. Thus, switching to an unlimited plan often is not as useful. Finding good per mintue rate, with longer validity period (expiration), and of course, good network coverage based on...
by ft2010
Fri Nov 09, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 751

Re: Moving TMobile account from flip phone to iPhone

was cutting the SIM to size and inserting it into the iPhone all you had to do to make it function as a phone-only (LOL) phone? OP, if you are certain your iPhone is compatible with T mobile, then changing the size of your existing sim card is very likely sufficient to make it work. You can cut the ...
by ft2010
Wed Nov 07, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 751

Re: Moving TMobile account from flip phone to iPhone

If the handset you have is Sprint based, you could consider Tello (which requires sprint compatible phone); otherwise stick with a provider that best matches with your handset and each network (Att, Tmobile or Verizon) has relative lowrer cost prepaid include pay as you go plans.
by ft2010
Wed Nov 07, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 751

Re: Moving TMobile account from flip phone to iPhone

Maybe I didn't phrase it correctly, but the TMobile rep at the local mall told me that I cannot transfer an old grandfathered TMobile plan from a flip phone to an iPhone. I don't get it. Why can I not do that? I mean, I can purchase a new TMobile SIM for the iPhone, but I should be able to transfer...
by ft2010
Sat Aug 11, 2018 1:59 am
Forum: Personal Consumer Issues
Topic: How to get 2nd number on smartphone?
Replies: 22
Views: 2371

Re: How to get 2nd number on smartphone?

Google voice, free, with free calls to US and Canada, international calls for pennies! Along with text and other features it cant be beat, imho. Sorry to steer of topic slightly plus I'm a total rookie regarding smartphones, but if you install a GV app and then use it to make *free* calls, doesn't ...
by ft2010
Fri Aug 10, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: How to get 2nd number on smartphone?
Replies: 22
Views: 2371

Re: How to get 2nd number on smartphone?

GV. I use the Hangouts Dialer app to make outgoing calls on my Android phone. Incoming calls are less frequent for me but I think it works fine via VoIP; I don’t fwd to my native cell number as I live outside the US. This serves as a free way for me to keep in touch with people in the US. If they c...
by ft2010
Thu Jun 28, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 3244

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

The original poster has not chimed in for days, and subsequent posters are just talking with and among themselves...
by ft2010
Thu Jun 28, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4432

Re: Any Reason to Keep My "Landline" Phone?

I use Ooma as VoIP landline, taxes and fees comes to ∼5 per month (cost includes E911). You can also look into Obihai 2xx devices to use along with Google Voice (no ongoing cost), however if you want E911 you need subscribe to something else with a nominal fee. The benefit of having a VoIP landline,...
by ft2010
Mon Jun 25, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Out Retirement Account vs Rollover to IRA
Replies: 35
Views: 2350

Re: Cash Out Retirement Account vs Rollover to IRA

Your consumer debt is rather small compared with your anticipated future earning potential. To me it would also be a matter of pricinple to demonstrate learning past mistakes and paying debts. For these two reasons, I would suggest you stop thinking about taking an easy way out and settling this deb...
by ft2010
Sun Jun 24, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Cash Out Retirement Account vs Rollover to IRA
Replies: 35
Views: 2350

Re: Cash Out Retirement Account vs Rollover to IRA

OP, Do you also have school loans that you need payoff after you complete residency program and start a real high paying job? How much is that, and more importantly do you have an idea on your future budget with loan payment included? If your parents had indeed paid your way to attend medical school...
by ft2010
Sat Jun 23, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 3244

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

Let me first say that, for people who don't travel frequently or need/desire premium class cabin on long-haul international flights, hacking is probably overrated. Most of such people probably benefit from a straight forward cash back credit card. As far as I recall the Sapphire Preferred card has f...
by ft2010
Tue Jun 19, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6319

Re: Lost job. Take early SS or draw from accounts?

Debt: She has debt from covering paying for ex's medical on her credit cards. Just noticed this. Is there anyway to get rid of this debt? Also, by any chance, is she eligible for spousal SS benefit? Does she have any offspring who might be able to step in to help (to a certain degree)? Further comm...
by ft2010
Mon Jun 18, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Idle debit/credit cards closed or downgraded?
Replies: 9
Views: 871

Re: Idle debit/credit cards closed or downgraded?

Last year I received a letter saying a credit card would be closed due to inactivity by a certain date, irrespective of whether I start putting spend on it or not. Upon further inspection, it turns out I have not used it for 2 years or so. However, since that is actually my oldest card and first car...
by ft2010
Mon Jun 18, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6319

Re: Lost job. Take early SS or draw from accounts?

The company where my friend works is going out of business. She will look for a new job, but based on her age and lack of mobility (barely ambulatory with a walker), I think she will have difficulties. She is not eligible for disability but is eligible for unemployment at $405/week for 26 weeks. If...
by ft2010
Sun Jun 17, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6319

Re: Lost job. Take early SS or draw from accounts?

I am courious, (1) if a company goes out of business, is there still a cobra for laid off former employees? (2) what level of risk or uncertainty would be the Medicaid expansion reversed or driven out of existence? Not for OP's friend situation, but for retirement planning purposes for people in the...
by ft2010
Sun Jun 17, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6319

Re: Lost job. Take early SS or draw from accounts?

How much time is left on the mobile service contract? It might be cost effective to just pay early termination to get out, one would have to crunch the numbers to get a decision. If I were her, I'd get one of the cheap pay as you go plans, H2O pay as you go is 5 cents per minute, you can use data pa...
by ft2010
Thu May 24, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 5980

Re: Anyone using Obitalk for Google Voice?

Why do those with Google voice use Obitalk? I canceled my landline a few months ago after getting the number ported to Google voice. I intended to get Obitalk or something but then just decided to forward all calls coming into my Google voice to my cellphone. Works great. They(we) are using GV numb...
by ft2010
Wed May 23, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Purchasing SIM card WITH phone?
Replies: 10
Views: 977

Re: Purchasing SIM card WITH phone?

OP, what is the make and model of your current handset? I read from your other post that you are on Consumer Cellular, so yours is already GSM (att). Now you only need check if it has support for compatible radio frequency in Europe. Sim card size, etc, has easily (low tech) work around, by a simcar...
by ft2010
Tue May 22, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 5980

Re: Anyone using Obitalk for Google Voice?

Just saw a rumor that Google would no longer support xmpp in June
by ft2010
Mon May 21, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1785

Re: International travel for Christmas

If you can, do not return/depart London by air as the Heathrow departure tax is obscene. Try to find cheap rail tickets to another nearby country to visit/sightsee then fly back home from there. Christmas time in Hong Kong is quite popular, you'd have to look for award tickets early on. Also no matt...
by ft2010
Mon May 21, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 5980

Re: Anyone using Obitalk for Google Voice?

My obi100 is still working. I have friends whose 1xx device quit working but recently updated theirs using a third party firmware. They say it works out great. Searching "naf firmware" got me directed to obifirmware.com, since my device is still working, I have not tried it myself. Hope this helps s...
by ft2010
Mon May 21, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 14
Views: 1622

Re: New phone to continue T-mobile legacy prepaid plan

Haha, first world problems. I also wonder when will FreedomPop bite the dust, despite they are saving me lots of money.
by ft2010
Mon May 21, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Update: New iPhone - Older iPhone text msgs disappear
Replies: 29
Views: 2026

Re: Older iPhone text msgs disappear

When you first start using the used iphone, did you setup a new Apple ID, or are you inherting an existing acoount from your husband?
by ft2010
Mon May 21, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 14
Views: 1622

Re: New phone to continue T-mobile legacy prepaid plan

I meant I got stuck in keeping my t mobile account due to size of its balance. Over the years, I accumulated multiple accounts concurrent across several prepaid providers. I probably would have spent down most of these accounts, if not for the "free" data from Freedompop sim cards. I also have many ...
by ft2010
Sat May 19, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 14
Views: 1622

Re: New phone to continue T-mobile legacy prepaid plan

I just looked up online, Bestbuy has the updated Nokia 3310 (2017version) for $60, and it's completely unlocked GSM. I don't have personal experience with this particular model, however Nokia had made a name for durability, one of my old ancient Nokia spare handset still works, albeit it was not hea...
by ft2010
Sat May 19, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: New phone to continue T-mobile legacy prepaid plan
Replies: 14
Views: 1622

Re: New phone to continue T-mobile legacy prepaid plan

Sim card size: perhaps check at local small dealers if they are willing cut the simcard to a smaller size for a nominal fee. I got that done years ago for $5. Or, if you are handy, use a sim cutter or simply scissor to cut it yourself. Naturally, you must have looked for t mobile online or in store ...
by ft2010
Fri May 04, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 7449

Re: Alternatives to Sansa Clip+ MP3 Player

Not tech savvy so I find this advice easy to follow. However when connected, my pc doesn't recognize the phone. It just shows the regular my computer (C:) and stuff. Do I need to download a driver that knows my phone? I have a Windows 7 PC and a Moto 5G phone. Thanks for your help. After you connec...
by ft2010
Wed May 02, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 7449

Re: Alternatives to Sansa Clip+ MP3 Player

Just want to add that some blue tooth speakers also have an 3.5mm aux input option, you don't have to use Bluetooth connection if you don't want to. Just check the specs, and not let the Bluetooth name scare you away.
by ft2010
Wed May 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 7449

Re: Alternatives to Sansa Clip+ MP3 Player

If you have some old computer speakers laying round, check those first for 3.5mm aux plug-in. Also check your existing sound devices such as boombox, clock radio etc, see if it already has an built-in aux input. Many last century models have such features, chances are one of your old devices already...
by ft2010
Mon Apr 23, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 7675

Re: Cheap cell phone plans

Thanks all. We will be checking out all of these plans. Basically he just wants an inexpensive phone and service because he rarely uses it... only if he were to break down or call me if he is running late, etc. If anyone else has suggestions or would like to tell me how happy you are with your plan...
by ft2010
Mon Jan 08, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4582

Re: Best Phone Plan for 1 person

mxs wrote:
Sun Jan 07, 2018 11:37 pm
The $55 is $35 plan plus $20 towards phone for 2 years, or $480 for the iPhone 7 I believe.
Thanks that explains it. I didn't think of amortize handsets from providers :-)
by ft2010
Sun Jan 07, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4582

Re: Best Phone Plan for 1 person

What are your thoughts on Total Wireless? I just looked on their website and they are offering an iPhone 7 and 5GB for $55 a month. That sounds like a good deal. You are currently on AT&T, why would you pay $55 (for 5GB data) when you could use AT&T Prepaid directly for $45/month ($40 with auto pay...
by ft2010
Mon Aug 07, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Simple cell phone and service for elderly relative?
Replies: 9
Views: 1466

Re: Simple cell phone and service for elderly relative?

Depends on what spare handset(s) you have laying around -- Verizon network Page Plus (10 cents/min, start off at $10 good for 120 days; or start off with $80 with 2000 minutes a year) ATT h2o (5 cents/min, start off at $10, good for 90 days) T-mobile (1) t-mobile $3/month plan (includes 30 minutes/m...
by ft2010
Sat Jul 29, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 7449

Re: Alternatives to Sansa Clip+ MP3 Player

azurekep wrote: it does say "To avoid incompatibility, please use AGPTek Memory Card". Any clue if it works with other brands?
I think they all say that. No, I myself have not used a memory card in these devices. I only use them to listen to books downloaded from library.
by ft2010
Sat Jul 29, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 3780

Re: Phone number stolen

I used to have Page Plus and as far as I can recall, its prepaid cell service they only have limited personal info on the account: mobile number, ESN/IMEI, and pass code (need verify this in order to port out or change/terminate service). When I called customer service a few times in the past, they ...
by ft2010
Sun Jul 23, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 7449

Re: Alternatives to Sansa Clip+ MP3 Player

I have had 2 sansa clip+ devices (1 is still in good condition), and recently bought 2 AGPtEK mp3 players as backup. The last one I bought is described here. https://www.amazon.com/dp/B01N4J874E/ref=twister_B06XTPGPLX?_encoding=UTF8&psc=1 It has amazing long battery life (specs says 80 hours), very ...
by ft2010
Wed Oct 12, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603565

Re: What's Your Credit Card Rewards Strategy?

Bustoff, Just wanted to add that there might be a lot more airline partner flight options that one can redeem AA miles for award travel, that are not shown at AA's customer online search engine. Typically, one can research using other search engine (e.g., BA online search tool) then call up AA milea...
by ft2010
Sun Oct 09, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: AX [American Express] charge dispute
Replies: 27
Views: 2753

Re: AX [American Express] charge dispute

I own an AX through PenFed. In June I submitted a dispute of a charge for $1560. It was turned down twice; however, I feel that I am right (got legal advice) and I suspect that AX person that reviewed the case did not spend the time to understand the issue. Is there anything I can do to elevate the...
by ft2010
Thu Sep 01, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: What pre-paid cell phone or plan?
Replies: 31
Views: 3956

Re: What pre-paid cell phone or plan?

I don't want that, I don't want to pay for something that disappears by design (other than a car :P ) Some don't disappear but require you add $ before certain period in order to extend the expiration date. You can balance initial $ outlay and anticipated usage pattern to judge which ones are more ...
by ft2010
Thu Sep 01, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: What pre-paid cell phone or plan?
Replies: 31
Views: 3956

Re: What pre-paid cell phone or plan?

Not sure if this is what you are asking about, but... My local Target sells AT&T GoPhones, often at a huge discount. I picked up a very simple, brand new flip-phone for $4, and then bought a $30 GoPhone prepaid card to go along with it. You charge the phone, activate it (either online or through th...
by ft2010
Fri May 13, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Need barest, skeleton, almost non-existent cell plan.
Replies: 22
Views: 2290

Re: Need barest, skeleton, almost non-existent cell plan.

No, just get a basic smartphone and ensure mobile data is turned off. You can enjoy its smartphone features while on WiFi, occasionally and purpose fully turn on mobile data when needed. I would second PagePlus pay-as-you-go plans, either put up $10 every 120 days or start off with $80 for 1-year. I...
by ft2010
Sun Jan 10, 2016 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Time to change my credit cards?
Replies: 28
Views: 3704

Re: Time to change my credit cards?

If Amex keeps the "member since" date on the new Blue card I open, does that mean my Gold history is intact? No, not necessary. I have several Amex cards carrying a member since date from my first AMEX card 20 years ago but none was converted from that initial card. If you are so determined to pres...
by ft2010
Sun Jan 10, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Time to change my credit cards?
Replies: 28
Views: 3704

Re: Time to change my credit cards?

I'm reviewing my credit cards and thinking of making some changes: Current cards: 1. Amex Gold Rewards Pros: 30+ years of good credit history Cons: annual fee, poor rewards 2. Citibank Mastercard Cash Back Pros: 20+ years of good credit history, no fee Cons: only 1% cash back Most of my cc spending...