Search found 63 matches

by ft2010
Sat Aug 11, 2018 1:59 am
Forum: Personal Consumer Issues
Topic: How to get 2nd number on smartphone?
Replies: 22
Views: 2330

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: 2330

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: 22
Views: 3207

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: 4378

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: 2301

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: 2301

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: 22
Views: 3207

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: 6297

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: 866

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: 6297

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: 6297

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: 6297

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: 5496

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: 944

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: 5496

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: 1728

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: 5496

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: 1487

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: 1964

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: 1487

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: 1487

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: 1487

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: 6935

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: 6935

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: 6935

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: 60
Views: 6476

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: 4538

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: 4538

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: 1438

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: 6935

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: 3717

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: 6935

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: 2924
Views: 576614

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: 2702

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: 3919

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: 3919

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: 2264

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: 3683

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: 3683

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...
by ft2010
Sun Dec 20, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 15026

Re: Next credit card for a bonus?

There is an ongoing AA card promotion for 50K AA miles after $3k spend in 3 month -- no need to apply 2 cards to accomplish that. Also, if you fly AA, getting Thank You Premier card (and/or Thank You Prestige card) could provide value. After some reading and searching, I am considering getting: o Ci...
by ft2010
Wed Jul 29, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 4023

Re: Hefty Medical Bill

And say/request what? At this point what can they do for me? There's room to argue, maybe it wasn't clear when your coverage would terminate or they didn't notify you you weren't eligible for COBRA. Maybe they'll help you out as a courtesy since they self-insure. I am not saying these are likely to...
by ft2010
Fri Jul 24, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 4074

Re: Is there a service that will email you with each credit card purchase?

OP here - I didn't realize Mint had an android app. That actually may change the game, as I could easily check on it through the app if it's fast enough and convenient enough. I'll download it and try it later - that may suffice. Regardless, citibank does offer the type of credit card email alerts ...
by ft2010
Fri Jul 24, 2015 4:47 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 4074

Re: Is there a service that will email you with each credit card purchase?

OP here - I checked my Citibank account - unfortunately they don't seem to have this feature. :( If you use banking side of citi website to manage your CC, after log on, click top panel "Account Management", you'll see a long list of options, scroll down to find "Account Services and Enrollments", ...
by ft2010
Tue Jul 14, 2015 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone heard of ways to pays landlords w/ credit cards
Replies: 11
Views: 1396

Re: has anyone heard of ways to pays landlords w/ credit cards

ok, i didn't really understand how credit score works, thats helpful. also, is there an argument to be made that credit cards are not useful? i was arguing with my friend who said just use debit cards. i said its important to build a credit score by showing you can pay off money and it will help yo...
by ft2010
Tue Jul 14, 2015 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone heard of ways to pays landlords w/ credit cards
Replies: 11
Views: 1396

Re: has anyone heard of ways to pays landlords w/ credit cards

bigguy8437 wrote:the only reason i was thinking of doing this was because it was $850/month for 12 months, which means i will have paid off $10,200 by a year...and i thought that would help out my credit score a lot.
Didn't multiple posters already advise you not to do it in your credit card application thread?
by ft2010
Tue Jul 14, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: My Dad Opened A HELOC Out of Nowhere: What Do I Need To Watch Out For?
Replies: 12
Views: 2041

Re: My Dad Opened A HELOC Out of Nowhere: What Do I Need To Watch Out For?

Why do you need to take care of your parents? Immigrant parents, not the best English speakers or very versed in financial matters, first generation college student. They got hosed pretty badly when I was younger with health insurance that had horrendous coverage like $25 a day in the hospital. Goo...
by ft2010
Tue Jul 14, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Friend needs help planning future
Replies: 7
Views: 1538

Re: Friend needs help planning future

I'm an immigrant and in a recent visit to my native country a friend from high school confined in me that she has had mental health issues with a formal diagnosis. She appears normal, and when not in an acute episode, her mind is sharp and logical (even better than average in that she is able to mak...
by ft2010
Tue Jul 14, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 4980

Re: Credit Score Question - Credit Cards

multiple credit cards with lower credit utilization You want to stay under 20%. 1-10% is probably best. If I were you I would try to get a credit limit increase on your existing card and apply for a second one that has good rewards for traveling or a cash back card. I'd agree in general. The OP, ho...
by ft2010
Tue Jul 14, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Need a credit card (22 years old)
Replies: 36
Views: 5466

Re: Need a credit card (22 years old)

I went with discover. That's a fine choice. Did you attempt to call BofA to correct your online application? I wouldn't just leave off incorrect income info and a wasted hard pull - I would make an effort to correct and ask to reconsider, if they still couldn't approve then I'd let it go. I looked ...
by ft2010
Mon Jul 13, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Need a credit card (22 years old)
Replies: 36
Views: 5466

Re: Need a credit card (22 years old)

ok so i think I'm going to choose the bank of america credit card. it says theres an annual fee of $39, which i don't mind at all. I'll be able to pay off the bills very quickly. I just applied online and was messing around with the application and it said annual income and i didn't know what to pu...