Recent content by noelm

Hello folks, A question about how IRA contribution year is calculated. DW opened a new IRA account sometimes in 2014. She made her first contribution of $3500 on 4/17/2015. We filed taxes on 4/18/2015 for the year 2014. So essentially this contribution was for year 2014. This year, she...

Hello folks, About 2 months ago, there were few huge transactions on our credit card within a matter of 30 minutes. Glad we had set up transaction alert, we caught them within an hour or so. We worked out with the credit card company and sorted out everything within a month. That day we were...

I posted a question about GAP insurance yesterday and now I am asking about multiple hard inquiries on credit, as I am trying to shop around for better rate and duration. Yesterday, when I was talking to a friend of mine. He suggested, I should extend my duration of auto loan (5 years, instead...

Yes folks. I understand what the GAP is and what this insurance is for. Although I am putting >20% down, I am so paranoid at this moment that I am trying to cover all bases, even if it is not 'required'. This is my first 'new' car, and it may not depreciate by $8K the moment its off the lot but...

Hello folks, I am getting a new vehicle. I am paying $8200 from my pocket and getting an auto loan of $20,000 from a local credit union. GAP insurance didn't come with it, neither they offered it (and I forgot to ask). State farm, my auto insurance company, does not provide GAP insurance...

We try to fit everything in $4000, family of 3.

Don't have any complaints as such with Hulu Plus. The episode appears pretty quickly (even earlier sometimes). At the same time, I am not a big TV watcher. Also look at Amazon Prime. I am considering Amazon prime after summer, I get TV + Amazon for $99. I do have to check though what Hulu gives...

Hello folks, Although I am in mid 30s, I never took a financial loan. I am getting a car now so will apply for auto loan. I need some sage advice. I plan to buy used Subaru Outback/Forester, budget is about $24000. Although I have that in cash, I do not want to buy in cash. My goal is to have...

Because of copyright issues, it has become little tricky. I call it, a punishment for being a law abiding citizen. Use ISO Maker tool to make ISO file out of your DVD and then use Handbrake or VidCoder to make mp4 or mkv file. And, you may not be able to make sensible mp4 file out of these...

The “Tech Support” Scammers Called HTG (So We Had Fun with Them) will help you more

Interesting, how did it affect your internet bill? I have Cablevision in NY, other option is FiOS and I currently pay $68 for 15/5mbps internet and very basic cable (OTA channels only, mostly). I called and told them that I do not want TV and I was informed, my internet bill will be $70/month...

This does not answer your question directly but I think you are not dealing with basic question properly. Why would you use MagicJack to begin with when there is a free alternative to landline? Same goes with Vonage or Ooma. Since last October, I have been using Google Voice with OBi 100 device...

Hello folks, We are currently a one car family, 2006 Nissan Sentra 1.8S It is clocking 90K on odometer. We bought it used for about $9,000 in 2009, when it had 76K on odometer. Since then we have replaced serpentine belt, tires, AC, some wire that connects to brake pads totaling about $3000...

I checked my PD on this link, it said its 77 but mine is 68 (optometrist checked). So not too sure who is correct. They have really good frames. I wonder if anybody ordered from these guys. I really want someone offering a decent oleophobic coating. I am tired of finger prints and eye-brow...

Thank you everyone. We have really senior folks in our development and are super super nice. Compared to them, Olivia is, well... to put it in most civil fashion, is super cranky. I wanted to know for my understanding (and for the record, I avoid this woman like plague). Someone commented...