Search found 125 matches

by fizxman
Mon Nov 28, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3177

Re: Disputing fat hospital bill?

I had surgery and a 3 day hospital stay to recover. My amount due after insurance payments is $3500 for the hospital portion and $900 for the physician fee. Once you have determined that you do in fact owe the amounts listed above, do NOT simply pay these amounts. It is almost a certainty that the ...
by fizxman
Mon Oct 31, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1466

Re: How Long should Updates for Windows 10 take to load??

I've had issues ever since the anniversary update. During that update it got stuck. After waiting overnight, I had to restart my computer to get it unstuck. After the restart, it updated in a timely fashion. But ever since that update, when I boot up my computer, it would get stuck on that screen (I...
by fizxman
Tue Oct 11, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 1824

Re: Identity theft -- again

Freezing your credit should prevent the opening of new accounts but having credit card numbers stolen is just different. You can try to narrow down where/how the number was stolen by looking back at statements and then call the places to see if anyone reported having their credit card number stolen ...
by fizxman
Wed Aug 24, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 12554

Re: How many of you have cut cord?

Woke up this morning to being cable free! DW and I scheduled the shut-off of our cable and landline to happen at the end of our billing cycle which is today. We had already purchased an HD antenna off Amazon for about $30 a few weeks ago. I hooked it up and with the amplifier we get 11 channels (wit...
by fizxman
Fri Aug 05, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 10211

Re: Stats on Americans 'cutting the cable' ?

My wife and I decided to cut cable (and the house phone) on August 24th when I current billing cycle ends. We'll go from paying $160/month for TV/internet/phone/HBO to $40/month for the first year then $50/month the second for just internet (everything has been and will continue to be with Verizon)....
by fizxman
Fri Aug 05, 2016 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Redemption fees for Fidelity Index (nee Spartan) Funds
Replies: 24
Views: 1923

Re: Redemption fees for Fidelity Index (nee Spartan) Funds

It also bugs me -- if you follow that link in the OP -- that there is no table of symbols and ERs and redemption fees -- you need to manually click on each fund and share class link to get the symbol and ER and fee. And I dutifully did that about forty separate times to assemble this information in...
by fizxman
Tue Aug 02, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 11548

Re: Suckered into Marriott Kauai Timeshare Presentation

I am curious. How does one make themselves a Hawaii trip and then get offered this deal? Did you receive this deal offer before you thought of going and have now engjneerd your trip based on staying there for free? A mail offer? A phone call? I went for work. While there I wanted to do a tour of th...
by fizxman
Tue Aug 02, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 11548

Re: Suckered into Marriott Kauai Timeshare Presentation

I've sat in one with my now-wife. We listened to the guy give his speech and when he told us the price, which I think was $150/month with a several thousand dollar down payment, we told him we could afford the monthly payments but not the down payment because we just bought a house and have no more ...
by fizxman
Fri Jul 22, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 17647

Re: How many folks choose to give inheritance to their children in unequal portions?

2. Have him talk to the financially responsible child spouse and get their thoughts. Have him tell them this is something he's thinking about doing but won't if the child thinks it may cause a problem. Maybe the child would be okay with this. For me, I would be the financially responsible child in ...
by fizxman
Fri Jul 22, 2016 6:36 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 17647

Re: How many folks choose to give inheritance to their children in unequal portions?

Three things: 1. How much are we talking about and how uneven would the distribution be? For instance if the total is $100k and it's split up $50k, $40k, and $10k, I personally don't think that's a big deal. Now if it's $10 million and it's split $5 million, $4 million, and $1 million, that would be...
by fizxman
Tue Jul 19, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 8139

Re: Why did the car salesman stop replying to my emails

Use a second email address and ask the same questions again and see what happens.
by fizxman
Wed Jul 13, 2016 6:35 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 13926

Re: Are you going to shop on Prime Day?

I spent about $280 yesterday on Prime Day. That doesn't include what DW bought; she mentioned what she bought but I don't know the prices of any of it. I bought two pairs of shorts, socks, and underwear all 30% off. I bought myself a new Fire tablet, an Amazon Echo and a Nest smoke/CO detector (whic...
by fizxman
Wed Jul 13, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 81
Views: 6441

Re: How much cash to give when invited to a wedding?

I got married a little over three months ago and we checks ranging between $50-$250, not including our parents who gave us a lot more. We also got Amazon gift cards (probably because we registered on Amazon), a Visa gift card or two and a few gifts that weren't on our registry. We had a little over ...
by fizxman
Mon Jul 11, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 14325

Re: What do you spend your money on???

I'm saving up for Amazon Prime Day tomorrow.
by fizxman
Fri Jul 08, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 6327

Re: What's your asset allocation and why?

My 401k was Vanguard Target Retirement 2045 Fund Investor Shares (VTIVX) with an ER of 0.16% which comprises Vanguard Total Stock Mkt Idx Inv - 54.04% Vanguard Total Intl Stock Index Inv - 35.93% Vanguard Total Bond Market II Idx Inv - 6.91% Vanguard Total Intl Bd Idx Investor - 3.08% This was becau...
by fizxman
Mon Jun 27, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 5082

Re: Dog attacked by another dog

My dog has been attacked a total of three times, two times by the same dog (first time while my wife was walking her alone and a week later while I was walking her alone) and the third time was while we all were on a walk. The dog that attacked twice was much, much bigger than my dog (60+ lbs vs. 20...
by fizxman
Tue Jun 07, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Vacation in Hawaii
Replies: 36
Views: 4064

Re: Vacation in Hawaii

I've been to Hawaii twice for work. The first time we spent a little over week on the Big Island and a 4 days on Oahu. On the Big Island we mostly stayed close to the resort in Waikoloa but we did take a van tour of the island which included Volcano National Park. In Oahu we stayed in Honolulu near ...
by fizxman
Wed May 04, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Non-Compete Clause
Replies: 20
Views: 2550

Re: Non-Compete Clause

Here's what got me to pursue this with a lawyer. Disclaimer: this is for PA so YMMV "Consideration for Signing the Agreement: In order for a restrictive covenant to be enforceable, there must be consideration exchanged for its execution. In other words, the employee must receive something in re...
by fizxman
Wed May 04, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Non-Compete Clause
Replies: 20
Views: 2550

Re: Non-Compete Clause

Update: I talked to a lawyer and he said that in the state of PA, if an employer asks an employee to sign a non-compete without any consideration (pay raise, bonus, promotion, etc.) the non-compete is invalid.

Thanks everyone for your help.
by fizxman
Wed May 04, 2016 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Recruiters reaching out with larger salary, how to ask for a raise at current job
Replies: 31
Views: 4642

Re: Recruiters reaching out with larger salary, how to ask for a raise at current job

I got a ~25% raise and promotion last fall after getting a job offer somewhere else. I told my manager that I didn't seek out another job but instead it came through a recruiter. I told him I was happy here and that if they matched the offer I would stay and they did so stayed. Now comes the interes...
by fizxman
Thu Apr 28, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 29
Views: 2454

Re: Mosquito control for home

I'm trying to convince my wife to get a bug zapper. Looking at the customer pictures of this one on Amazon it appears to work well.

http://www.amazon.com/gp/product/B00004 ... pldnSite=1
by fizxman
Fri Apr 15, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Non-Compete Clause
Replies: 20
Views: 2550

Non-Compete Clause

The company I work for was purchased recently by another company. My old company is now basically just another division of the new parent company. Shortly before the purchase went through, my job role changed. I went from working on one type of product in one group/business unit to working on a diff...
by fizxman
Tue Apr 05, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Signed up for Personal Capital - Now I get daily texts from Vanguard with a Security Code
Replies: 4
Views: 939

Re: Signed up for Personal Capital - Now I get daily texts from Vanguard with a Security Code

I signed up to receive a security code from Vanguard when I sign into my account using a computer Vanguard doesn't recognize. Yesterday while at work I got a text message with a code. I wasn't doing anything that should have initiated the text, so thinking it may be fraud I changed my password and s...
by fizxman
Thu Mar 17, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3932

Re: Well...Identity theft...

This is going on at the same time all four of her wheels were stolen off her car and our wedding two weeks from this Saturday.
by fizxman
Thu Mar 17, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3932

Re: Well...Identity theft...

mrc wrote:https://secure.ssa.gov/acu/IPS_INTR/blockaccess


Thanks. Since the person doing this to my fiancee knows her SSN, I think this is worthwhile.
by fizxman
Thu Mar 17, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3932

Re: Well...Identity theft...

This is going on right now with my fiancee. Someone is trying to open up checking accounts and obtain credit cards in her name. Just found the option to block all electronic access to my information on the ssa.gov site. Done. I will verify tomorrow in person if anyone attempted to change information...
by fizxman
Wed Mar 16, 2016 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Physics major question
Replies: 53
Views: 5188

Re: Physics major question

I got my BS in Physics and was going to to go to grad school but I felt burnt out after 4 years of studying Physics. So I went back to school and got my teaching certificate and taught high school (so a BS in Physics is good for more than just getting a PhD but I do agree that a PhD is better than a...
by fizxman
Fri Jan 22, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 8830

Re: What was your biggest unexpected home expense?

About four months after we bought our house, the drain from the washing machine starting spitting out water. Long story short, my main line had to be dug up and a three foot section was replaced because it was clogged with a bunch of skinny roots. It's weird because there wasn't anything really grow...
by fizxman
Tue Jan 05, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 6031

Re: Job Prospects for English Majors?

Future brother-in-law had an English degree and went on to law school. He's now a clerk for a judge.
by fizxman
Tue Jan 05, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery - lump sum or annual payout?
Replies: 75
Views: 7106

Re: Lottery - lump sum or annual payout?

Lump sum.

Also, I only play when the jackpot is at least $200 million, otherwise it's not worth my time. So for the handful of times it gets over that amount, I'll order water instead of soda or beer at a restaurant and my lottery ticket money for the year is covered.
by fizxman
Tue Jan 05, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How has your Salary performed against inflation?
Replies: 59
Views: 6040

Re: How has your Salary performed against inflation?

Since starting my current job in 2010 my raises have been as follows:

2.08%
3.25%
2.17%
2.00%
2.00%
26.38% (Current employer matched a job offer I received)

CAGR = 5.97%

If it wasn't for that last one, I'm sure I would have lost purchasing power since 2010.
by fizxman
Sun Jan 03, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 6906

Re: How much is your house worth?

Redfin - House not found
Zillow - $151,387
Trulia - $162,000
Paid - $148,900
Assessed - $137,000
by fizxman
Sat Jan 02, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 4164

Re: Engaged...So how do we handle finances now?

This isn't a recommendation, this is just how we are handling it. My girlfriend (at the time) and I rented a house together for about 1.5 years. After that we bought a house together and about 6 months after we bought the house we got engaged. When we rented the house we split paying for things rel...
by fizxman
Sat Jan 02, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: First Day of Retirement
Replies: 32
Views: 3838

Re: First Day of Retirement

Congrats!

I saved up the bulk of my vacation so I can use it all at the end of the year so I've been off work since Dec. 15th. I said to my fiancee that if this is what retirement will be like, I think I'll enjoy it!
by fizxman
Sat Jan 02, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 4164

Re: Engaged...So how do we handle finances now?

This isn't a recommendation, this is just how we are handling it. My girlfriend (at the time) and I rented a house together for about 1.5 years. After that we bought a house together and about 6 months after we bought the house we got engaged. When we rented the house we split paying for things rela...
by fizxman
Tue Nov 10, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 20267

Re: Is The Bay Area Worth It?

OP here. For those wondering, we chose not to move. We may set our sights on the DC area in the future. DC still has most of the upside we're looking for without as much of the downside.
by fizxman
Thu Oct 15, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 20267

Re: Is The Bay Area Worth It?

Thanks for the replies thus far, I really appreciate it. I was vague on purpose because I really didn't know what needed to be said and didn't want to add unnecessary information so let me elaborate. I'll be working in San Jose in the tech industry (surprise). I'm not in software though; I work on t...
by fizxman
Thu Oct 15, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Is The Bay Area Worth It?
Replies: 159
Views: 20267

Is The Bay Area Worth It?

I got an offer to relocate to the Bay Area for work. After reading here and other places about how expensive it is there, at what point is it worth or not worth moving? My fiance and I (both in our mid 30s) combined make about 10-15% more than the median combined average where we currently live. We ...
by fizxman
Tue Oct 06, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 5017

Re: Demand repairs or give a by for honesty?

A year or so after I bought my brand new car, I was at a store when over the loud speaker I heard, "would the owner of blue Suburu Outback please come to the checkout area." So I did and standing there was a person who said their car door got away from them by a gust of wind and their door...
by fizxman
Mon Oct 05, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: Where in the U.S. can I buy a house for under $250k that's a nice place to live?
Replies: 152
Views: 17823

Re: Where in the U.S. can I buy a house for under $250k that's a nice place to live?

I'll offer to trade places with you straight up since I may be moving to the Bay Area in January! Central PA is nice if you like all four seasons. It's also centrally located between NYC, Philly, Baltimore, DC, and Pittsburgh. There's culture here, you just have to drive to it, not walk to it. You c...
by fizxman
Tue Apr 28, 2015 8:50 am
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 3506

Re: If You Were Going To S. America ...

I'll be in Brazil for work the last week of May. I fly in and out of Sao Paulo (direct 10 hour flight from Dulles on United) but I'll also be going to Porto Alegre, Florianopolis and Campinas. My company as someone living and working in Brazil so he'll be with me the whole time so I'm not worried ab...
by fizxman
Tue Apr 28, 2015 7:20 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 7145

Re: How far away from a freight railroad track should you li

I live about 575 ft from an interstate and on the far side of the interstate is a freight railroad, so about 725 ft, but with some buildings in between my house and the interstate. I also live under the flight path for an airport that's about 7.5 miles away (largest planes are 737s or A320s). So I c...
by fizxman
Thu Mar 12, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 6827

Re: Bonus received. But its not what was agreed upon. Advi

And for those saying the OP is childish and to grow up, I'd ask you what would you do when you are shorted $500. Would you not even inquire about it? Because that's all that's been done up to this point, the OP asked the boss why the bonus was $500 short, nothing more. I would have done the same. N...
by fizxman
Thu Mar 12, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 6827

Re: Bonus received. But its not what was agreed upon. Advi

I don't like not getting what I was promised as much as the next person but this is one battle I would choose not to fight. I do see that the mid-year $3000 bonus and the end of the year $8000 bonus as being two separate things and that the first bonus should have nothing to with the second but agai...
by fizxman
Mon Mar 09, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 4737

Re: Home workouts and motivation

I too get bored working out which is why I do Focus T25 with Shaun T. Since they are only 25 minutes I don't get bored.

As far as motivation, I'll either do them with my fiance or think about how upset I'll be with myself if I don't workout.
by fizxman
Thu Feb 05, 2015 1:39 pm
Forum: Investing - Theory, News & General
Topic: How Much & Best Way to Earn $13k Year
Replies: 30
Views: 4062

Re: How Much & Best Way to Earn $13k Year

It's not an investment per se but you can earn up to $13,000/year selling your poop.

http://www.washingtonpost.com/news/spea ... your-poop/
by fizxman
Tue Jan 06, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 6187

Re: Any men here get their wedding band on Amazon?

dbCooperAir wrote:I see this rings come up on Slickdeals often for $5-$9. You will find lots of comments about them.
http://slickdeals.net/f/7565394-tanga-ring-end-of-year-sale-titanium-rings-or-stainless-steel-rings-from-4-amp-more-free-shipping


This is where I got my wedding ring.
by fizxman
Fri Jan 02, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1941

Re: How to value travel with a job offer

Depends on the destinations and the reason for the travel. If you get to go nice places it could be a bonus. Also, if you travel to visit customers or other type of people/places where you can network, that can also be a bonus. Otherwise, I would find it to be just part of the job. I travel about 1 ...

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