Search found 167 matches

by fizxman
Wed Apr 18, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9046

Re: Got hit with a $2800 Medical bill. Can I negotiate?

To the OP, call an ask. When my wife called after she had an emergency appendectomy with a question, they knocked off 10-20% without her even asking. She didn't even call to lower the bill either, she just had some unrelated question. A raw nerve seems to have been struck among some docs here. Truth...
by fizxman
Wed Apr 18, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3043

Re: Perks of Owning Certain Individual Stocks

A friend worked the Hershey's shareholders meeting doing A/V. He came home with lots of Hershey products because there was so much leftover when the shareholders left. It included stuff for foreign markets that you couldn't get here which was pretty neat.
by fizxman
Mon Mar 26, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for travel???
Replies: 12
Views: 1398

Re: Employer reimbursement for travel???

I've had to cancel business trips a few times for various reasons and I've never been out any money. The only thing my company pays up front is airfare and everything else I pay for then get reimbursed. The airfare was always used at a later date with just the change fee and hotel rooms were always ...
by fizxman
Mon Mar 12, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Big Work Trip - Looking for Ideas
Replies: 15
Views: 1459

Re: Big Work Trip - Looking for Ideas

Thanks for the ideas thus far. Regarding when to leave for Sydney, we were planning on leaving the east coast US Saturday afternoon and catch the 10:45 pm flight from LAX to SYD (AA73) which arrives Monday at 7:45 am. Then we'd drop our bags off at the hotel and force ourselves to acclimate to the t...
by fizxman
Mon Mar 12, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Big Work Trip - Looking for Ideas
Replies: 15
Views: 1459

Big Work Trip - Looking for Ideas

I've been approved for the biggest work trip of my life. I'll be leaving Saturday, October 27th for meetings on Tuesday, October 30th through Thursday, November 1st in Sydney, Austrailia. Then from Friday, November 2nd until Sunday, November 11th, I'll be free to do whatever I want, wherever I want....
by fizxman
Sun Feb 18, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9838

Re: Do you wear a wedding band?

Yes. I bought myself a tungsten ring for $12 online after I got engaged. A year or so ago, I was leaving for a few days on a work trip and was about halfway to the airport and realized I forgot to put on my ring. I turned around at the next exit and went home and got it. I only live 20 minutes from ...
by fizxman
Fri Feb 09, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1773

Re: Multiiple indicator lights on (car)

Sounds like what happened when my alternator went bad. Lots of random dashboards lights came on and the radio started acting goofy, like turning off by itself and all my presets getting erased. If this is the case, eventually, you won't be able to start the car because the battery will be dead. This...
by fizxman
Fri Jan 26, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6495

Re: 50% of my portfolio in FANG - 15% in NVDA

Have you seen Nvidia's new building in Santa Clara? It looks like an alien spaceship landed in Silicon Valley. https://www.google.com/maps/place/NVIDIA+Endeavor,+Santa+Clara,+CA+95051/@37.3706498,-121.96927,841m/data=!3m2!1e3!4b1!4m5!3m4!1s0x808fca21077d6039:0x85ea9b0fee57034e!8m2!3d37.3708002!4d-12...
by fizxman
Mon Jan 22, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2758

Re: Cutting cable

Software Netflix - paid for by in-laws Hulu - DW is in the marketing business so we got a free 3-month subscription; may keep it, may not Amazon Prime - had for years HBO - mostly for Game of Thrones and Last Week Tonight but now we're finishing up watching Westworld Hardware Antenna - a decent-siz...
by fizxman
Tue Jan 02, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2633

Re: A cabin in the snow

I'm going snowmobiling in Old Forge, NY in Adirondack State Park the first weekend in February. We've gone the past few years with friends and have a blast. We rent a house from my brother-in-law's parents so I can't help you regarding where to stay but I'm sure there are other houses to rent up the...
by fizxman
Fri Dec 29, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7562

Re: The Economics of a new Puppy

And for fun, here's a picture from my Christmas afternoon. Quite the pack of great looking dogs! Are they all yours or did the extended family all bring their dogs over to play? Only the small black dog on the left is mine. The three Huskies belong to my sister-in-law and her husband, the small whi...
by fizxman
Fri Dec 29, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 19400

Re: Do people still use AAA?

I just signed up for AAA Plus a few days ago, which included notary service, which is why we went there in the first place. Thought that was nice.
by fizxman
Fri Dec 29, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7562

Re: The Economics of a new Puppy

For food, check out reviews on Dog Food Advisor. Also, sign-up for their recall alerts. If a dog food or treat has been recalled, you'll get an email letting you know.

https://www.dogfoodadvisor.com/

And for fun, here's a picture from my Christmas afternoon.

Image
by fizxman
Thu Dec 14, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 207
Views: 42862

Re: That Extravagant Thing You Do

I just bought two used snowmobiles and a new hitch for my Outback. Now all I need is a trailer to haul one of the snowmobiles since I have a nice friend who has an empty slot in his trailer and will haul the second one for me so as not to overtax my Outback (going trailer shopping this weekend and n...
by fizxman
Wed Dec 13, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Employer File Paperwork
Replies: 1
Views: 184

Re: Employer File Paperwork

I when I asked for a copy of my signed non-compete from HR, I was sent a PDF via email. I think my boss was also copied on the email as well. This was about 5 years after I was hired so I assume I have a "note" in my "file" now. Obviously if/when you get it, keep a copy. And for anyone else about to...
by fizxman
Tue Dec 12, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 5070

Re: Cheap tablet just for internet surfing

Cheapest is probably the 7" Kindle Fire currently on sale for $30. I have one and love it. I mostly read on it but I do use it to browse the internet from time to time. It's not the fastest thing in the world but it's adequate.
by fizxman
Tue Dec 12, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7433

Re: Snow Tires? Worth it?

I got these last year for my 2013 Subaru Outback and I had no issues while driving in the snowing Adirondacks or Pennsylvania. https://www.tirerack.com/tires/tires.jsp?tireMake=Bridgestone&tireModel=Blizzak+DM-V2&partnum=17SR6DMV2&vehicleSearch=true&fromCompare1=yes&autoMake=Subaru&autoYear=2013&aut...
by fizxman
Mon Dec 11, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985654

Re: What Movie Have You Recently Watched?

The annual watching of Elf.
by fizxman
Mon Dec 11, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4325

Re: Did Capital One 360 Savings raise rates?

After I opened the money market account, I moved the integer part (thousands) of my money from the savings account to the money market account. I am wondering if I still need to keep the savings account. I left a very small amount in Savings in case I need that account in the future. Interest rates...
by fizxman
Fri Dec 08, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4325

Re: Did Capital One 360 Savings raise rates?

I can confirm that opening a Capital One 360 money market account and moving money from my Capital One 360 savings account to the money market account was easy and painless. Took all of 5 minutes.
by fizxman
Thu Dec 07, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4325

Re: Did Capital One 360 Savings raise rates?

I have about $20,000 in my Capital One 360 savings account so is there an easy way to convert a savings account to a money market account? As long as it doesn't take up about $60 worth of my time, I'll come out ahead. Hi fizxman - see my three posts at https://www.bogleheads.org/forum/viewtopic.php...
by fizxman
Thu Dec 07, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 4325

Re: Did Capital One 360 Savings raise rates?

I have about $20,000 in my Capital One 360 savings account so is there an easy way to convert a savings account to a money market account? As long as it doesn't take up about $60 worth of my time, I'll come out ahead.
by fizxman
Tue Nov 21, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security Code via Text Message
Replies: 1
Views: 580

Vanguard Security Code via Text Message

For those that get the security codes via text from Vanguard, do you get random text messages with a security code from time to time? The last three Sunday mornings, I've gotten a text message from Vanguard with a security code. All three times I was still in bed so I wasn't logging in. And I just g...
by fizxman
Sat Oct 07, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 30
Views: 4617

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: 12979

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: 1905

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: 8055

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: 4910

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: 2114

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: 1546

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: 54
Views: 8583

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: 6911

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: 1827

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: 6533

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: 6533

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: 3969

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: 3969

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: 10851

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: 3535

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: 3490

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: 451

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: 4149

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: 3703

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: 2186

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: 18091

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: 12742

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: 2651

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: 14528

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...