Search found 144 matches

by fizxman
Sat Oct 07, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 30
Views: 4449

Re: Home automation

We have two WeMo light switches linked to our Amazon Echo / Dots and like it. The switches are in a 2-gang box right inside our front door. One is for the front porch light and another is for the light right inside the front door. The switches are programmed to turn on at dusk and turn off at 10 pm ...
by fizxman
Wed Sep 13, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11813

Re: Anyone else freeze their credit score?

Slightly different but not unrelated topic. Is it just me or do people with common names have the identity or credit card information stolen more than those with uncommon names? I have an uncommon last name (I believe I'm the only person in the world with my name) and I've had one of my credit card ...
by fizxman
Fri Aug 18, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1725

Re: How do you know how much your portfolio lost/gain in one day?

Google Finance has a column that shows the day's gain for your portfolio. So if you keep track of everything there, it'll show you how much you gained or lost in a day. I track my Roth IRA and taxable there because I max my Roth out at the beginning of the year (so one transaction) and when I make a...
by fizxman
Wed Jul 26, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7375

Re: Post Nuptial agreement guaranteeing alimony?

I do see where you coming from in all this and I can't answer whether this something that's feasible or not. But it seems the reason this has come up is that you and your husband work in the same field and for some reason cannot work at competing companies. I understand where the companies are comin...
by fizxman
Wed Jul 26, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 4240

Re: WiFi Thermostat?

I also have the ecobee3 with three remote sensors. We have the base unit in the hallway, a sensor in our bedroom, one in the living room and one in the finished basement. One nice thing is that the sensors can follow you, meaning it will adjust the temperature based on the room you're in. If we go i...
by fizxman
Mon Jul 17, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: San Jose and San Francisco Trip
Replies: 24
Views: 1944

Re: San Jose and San Francisco Trip

The only reason I can think of to stay in San Jose is if you're there on the weekend because hotels are pretty cheap. Anyone who goes to San Jose goes for business and it's during the week so hotel prices drop quite a bit on the weekends. The same might be true for San Francisco as well but I'm not ...
by fizxman
Mon Jul 10, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Slovenia, Croatia, Montenegro
Replies: 13
Views: 1363

Re: Slovenia, Croatia, Montenegro

DW and I were in Slovenia in May and we did a day tour of Lake Bled, Predjama Castle, and Postojna Cave. All three were very neat.
by fizxman
Thu Jul 06, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5681

Re: Verizon- Why do they treat old customers worse?

I was told (by someone at Verizon I think) that these companies are gauged on how many new customers they bring in, not by the total number. If they bring in X new customers in a year, their stock goes up. Doesn't matter that they may have lost the same amount during the year. If this is true, it bo...
by fizxman
Wed Jul 05, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5977

Re: What are your health insurance stats?

HDHP plan: Work puts in $500/year Premium: $60/every two weeks for individual Deductible: $1500 in network, $3000 out of network Coinsurance after deductible: 20% in network, 40% out of network. OOP Max: $4000 in network, $10,000 out of network Geography: Central PA Age: 37 Dental and vision separat...
by fizxman
Thu Jun 15, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Do you like receiving email confirmations of online transactions?
Replies: 21
Views: 1445

Re: Do you like receiving email confirmations of online transactions?

I prefer them to getting a letter in the mail, which would just get shredded anyway. I create a label and folder then just archive the emails. Then if there's ever an issue, I'll have the emails to fall back on.
by fizxman
Wed Jun 14, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5893

Re: I'm going to be rich!

I'm sure some are wondering how this calculator can indicate OP will have millions left at plan end, but he is only able to meet 98% of his expenses. There is an answer: The retirement score - 98 in this case - always assumes an underperforming market, i.e. a 10% failure rate. This is conservative ...
by fizxman
Wed Jun 14, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5893

I'm going to be rich! [Fidelity retirement planner]

I was playing around on my company's 401k website, Fidelity, and figured out that when my wife dies in 2080 (I'll be dead already), we'll have over $56 million (in future dollars) and this doesn't even include her 401k and IRA, just my 401k, IRA, and taxable account! We'll have to start coming up wi...
by fizxman
Fri Mar 10, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 3503

Re: can you recommend good tires

Wheel locks are not terribly difficult to defeat in most cases. Usually, you can just pound on a socket that's a size smaller with a hammer then zip it off with an impact wrench. The new crop of high torque portable impacts makes this even easier. Let me put an (!) on this. I'm not a mechanic but I...
by fizxman
Fri Mar 10, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 3503

Re: can you recommend good tires

Whatever you end up getting and assuming you alloy wheels, get aftermarket wheel locks. My wife had all four tires stolen off her Honda Fit and they had factory wheel locks that are apparently universal. My neighbor had a Civic and took my wife's key and it fit on his car. And we live in a nice neig...
by fizxman
Thu Feb 23, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 10135

Re: BH thoughts on Time shares

I've been to only one of those time-share presentations. When it came to the price (like a $5,000-$10,000 down payment and $100 a month, but to be honest, I don't really remember) we were asked if we could afford it and we said no, which was the truth at the time. We told them we just bought a house...
by fizxman
Thu Feb 23, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: MRI Price [Magnetic Resonance Imaging]
Replies: 38
Views: 3340

Re: MRI Price [Magnetic Resonance Imaging]

DW just had a brain and brain stem MRI with and without contrast at a hospital. The EOB from insurance and bill from the hospital say we owe $3800. It seems like the insurance company didn't negotiate at all with the hospital on this procedure. She sees the neurologist next week (the one who sent us...
by fizxman
Thu Jan 12, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3344

Re: Trip to Kona, Hawaii - Suggestions

Not really adventurous but, IMO it's the best way to see the entire island in just a few hours; airplane tour. We booked a tour through Big Island Air and loved it. We chose and airplane instead of a helicopter because everyone in the airplane has a window seat, whereas in a helicopter you might not...
by fizxman
Tue Jan 10, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Prime Photos - feedback and tips
Replies: 1
Views: 439

Re: Prime Photos - feedback and tips

I use Prime photos with an android so I can't answer your second question. But the answer to your first questions is no; deleting photos from one place does not delete photos from the other. You can delete photos off of Prime photos via your phone using the Amazon Prime Photo app but as long as you ...
by fizxman
Mon Nov 28, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fat hospital bill?
Replies: 33
Views: 3929

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: 2893

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: 2114

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: 16874

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: 12356

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: 2360

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: 13507

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: 13507

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: 20010

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: 20010

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: 9736

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: 16610

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: 8518

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: 17004

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: 160
Views: 14361

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: 6131

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: 4861

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: 2764

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: 2764

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: 35
Views: 5925

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: 2854

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: 2764

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: 1060

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: 4295

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: 4295

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: 4295

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: 5869

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: 10612

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: 6778

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: 8409

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.