Search found 158 matches

by fizxman
Tue Jan 02, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2546

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: 7124

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: 242
Views: 15649

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: 7124

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: 42202

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: 165

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: 4785

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: 6789

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: 3265
Views: 945800

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: 4007

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: 4007

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: 4007

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: 4007

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: 529

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: 4532

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: 12482

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: 1812

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: 7703

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: 4562

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: 2030

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: 1465

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: 6003

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: 6386

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: 1640

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: 6187

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: 6187

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: 3762

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: 3762

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: 10531

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: 3431

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: 3407

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: 445

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: 4085

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: 3460

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: 2158

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: 17541

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: 12569

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: 2492

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: 13970

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: 13970

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: 20283

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: 20283

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: 10024

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: 16833

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: 8867

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: 17443

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: 176
Views: 17905

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: 6210

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...