Search found 182 matches

by atomicrc11
Fri Jan 15, 2021 11:26 am
Forum: Personal Consumer Issues
Topic: Apple's Using Up All My Data !
Replies: 46
Views: 3949

Re: Apple's Using Up All My Data !

Take a look at Mint Mobile. $15/mo for Unlimited talk, text and 3gb of data. Unlimited data is $30/month. I usually can't use less than 5gb of data per month on cellular as I find it convenient and the price is not bad at all.
by atomicrc11
Tue Dec 15, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Gas leak
Replies: 42
Views: 2143

Re: Gas leak

It depends on the age of unit. Older units are more likely to have pilot lights and newer ones will have ignitors that spark to ignite the natural gas. If the pilot light did go out, then yes you would eventually smell gas. I'm not sure how electrically would effect this however. If they are new eno...
by atomicrc11
Sat Nov 14, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account
Replies: 3
Views: 450

Re: HSA account

The HSA may still be a good way to go. What is the plan like? In my plan the OOP Max is $6000. So even if I expense everything that came through in a really bad year, in 2021 I would still have $1100 to invest at the end of the year. Next year it would be $1200. That assumes I would hit the OOP max ...
by atomicrc11
Sat Nov 14, 2020 10:19 am
Forum: Personal Investments
Topic: Do I have too much HSA money?
Replies: 87
Views: 10904

Re: Do I have too much HSA money?

I did have a thought and not sure if it's the best idea, but if the OP's salary is low enough to allow a Roth IRA contribution, would it be better to submit expenses now to then put that money into a Roth IRA? Then the money is more flexible when retirement comes around. Am I missing anything?
by atomicrc11
Tue Nov 10, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: When to freeze child's credit files
Replies: 13
Views: 1104

Re: When to freeze child's credit files

I did the child credit freeze and it was an easy process. The USPS is quite good at safely sending documents, however, you could use a trackable method or send separate envelopes if you're really paranoid. At least now that the process is complete, I know they won't have their credit stolen without ...
by atomicrc11
Fri Nov 06, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Employer HSA Question
Replies: 5
Views: 511

Re: Employer HSA Question

My employer allows you to sign up for the HDHP and then separately asks how much you want to contribute to your HSA. If you put $0 they don't open an employer HSA. You are then free to contribute yourself to an HSA anywhere. Fidelity is free and has lots of great investment options. The only drawbac...
by atomicrc11
Sat Aug 22, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11591

Re: Cord cutting 2020 - Youtube TV

The picture quality is great and it does get the local sports channels. The unlimited DVR is a great feature. The only downside I see to YouTubeTV is if you have a provider that has data caps. I know people that have Cox and others on Comcast. The people on Cox have come quite close to hitting the l...
by atomicrc11
Thu Nov 14, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 92
Views: 13764

Re: Disturbing experience with Ally Bank

Similar thing happened to me with a online bank a couple years ago. It is definitely Ally's job to fix this, but not the only bank where this can happen. Be persistent and ask for a supervisor. Document all contacts in regard to this noting the time, who you spoke with, Employee ID's if possible and...
by atomicrc11
Wed Nov 13, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 34
Views: 3623

Re: Apple TV vs Competitors

If you want the integration with Apple it is worth it if you buy the refurbished one. You get the same thing but for less. https://www.apple.com/shop/refurbished/appletv Also, with Apple you're paying for hardware from a company that isn't monetizing everything you do. Amazon and Google devices are ...
by atomicrc11
Tue Nov 05, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 7090

Re: Do you wash berries?

The CDC Says just water: https://www.cdc.gov/foodsafety/communication/steps-healthy-fruits-veggies.html UMaine and the University of California - Davis also say just water and don't use soap: https://extension.umaine.edu/publications/4336e/ http://homeorchard.ucdavis.edu/8121.pdf In short, don't use...
by atomicrc11
Mon Jun 17, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1777

Re: Dental/Vision Insurance for Baby

It's all dependent on the kid, the cost and genetics. My family is prone to cavities despite best efforts brushing, flossing, and with fluoride mouthwash. We didn't put our first child on right away as the family plan cost more. At age 2 she started regular check ups and now sits still for cleanings...
by atomicrc11
Fri Dec 14, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 6700

Re: Volkswagen Reliability

Had a 2004 Jetta 1.8T for 12 years and over 100k miles. The only stuff that failed on it were the glovebox door at 60k miles which was an issue with the MK4 Jetta and the engine thermostat at 80k miles. I followed all other maintenance and really enjoyed the car. Traded it in for a more family orien...
by atomicrc11
Sat Jul 21, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1960

Re: iPhone to Android in 2018...

My biggest concern with Android is security, specifically updates to vulnerabilities. With an iPhone, Apple sends out updates when they want/need to and are available to all users once released. Apple has sole control over updates to iOS. Unless you have an Android Nexus from Google or some other si...
by atomicrc11
Sun Jun 24, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 6444

Re: car for long-distance driving

My long distance driver is a 2014 Chevrolet Cruze Diesel. It is rated at 46mpg highway and with a 15gallon tank I can easily get 600 miles plus on a tank. With an all highway tank and few stops you can hit 700 miles. You could pick up a used 2014-2015 in your price range or if you wanted get a 2017 ...
by atomicrc11
Fri Jun 15, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3845

Re: Job in MA, live in MA, RI, or CT?

As a former CT state resident I also suggest MA over CT and either over RI. Connecticut has some difficult years ahead. That isn't to say it won't be a good place to live further down the road. You also have to be very careful due to the issues with foundations in CT. Years ago poorly made concrete ...
by atomicrc11
Wed May 23, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 6135

Re: Bed Bugs

Also had this problem when living in an apartment and I can attest to the mattress shield. I put my mattress in one and left it on for a year. After that time, the bugs will have died and you can then take it off and use your mattress as you were before. It is far less expensive than buying a new o...
by atomicrc11
Wed May 23, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3842

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

Volkwagen Golf Sportwagen. It has good mileage and tons of space. It has the capability to put on a hitch and I use that for a bike carrier. It also has built in bars up top so all you need are cross bars to put a bike/boat up there. It's plenty comfortable for dogs in the back as well.
by atomicrc11
Fri May 18, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 6135

Re: Bed Bugs

Also had this problem when living in an apartment and I can attest to the mattress shield. I put my mattress in one and left it on for a year. After that time, the bugs will have died and you can then take it off and use your mattress as you were before. It is far less expensive than buying a new on...
by atomicrc11
Mon Apr 30, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 89
Views: 12657

Re: If you really like the CR-V, you should check out the [_____]

Volkswagen Tiguan. It's nicer inside than the CRV and has a 6 year/72k mi warranty.
by atomicrc11
Mon Apr 30, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Trout Fishing
Replies: 4
Views: 813

Re: Trout Fishing

It also depends on time of day and temperature. Trout like 54F-65F water. In a deep pond they may retreat down low on a hot day and you can fish from the bottom of the pond by putting a weight on your line and using something that floats, like a salmon egg or power bait. If the pond is not that deep...
by atomicrc11
Mon Apr 23, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 112
Views: 12794

Re: AAA? What to do in car emergencies?

OP, I'm truly sorry for your loss. It can be tough when you divide up responsibilities and suddney they all fall on you. One thing we have at our home is a pump for our tires. I have this one: https://www.walmart.com/ip/Goodyear-Heavy-Duty-i8000-120-Volt-Direct-Drive-Inflator/14660114 I don't know w...
by atomicrc11
Mon Apr 23, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 6309

Re: Looking to purchase new car/SUV

Take a look at the 2018 Volkswagen Tiguan in the SEL or SEL Premium trims. They will have all the technology you are looking for in the Audi Q5 with a much lower price. You can pocket the 10k and get pretty much the same car. The Tiguan is not a bad car, but it's far from "pretty much the same...
by atomicrc11
Mon Apr 23, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 6309

Re: Looking to purchase new car/SUV

Take a look at the 2018 Volkswagen Tiguan in the SEL or SEL Premium trims. They will have all the technology you are looking for in the Audi Q5 with a much lower price. You can pocket the 10k and get pretty much the same car.
by atomicrc11
Thu Apr 19, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: IT platform support for Telemedicine practice [edited subject]
Replies: 4
Views: 731

Re: IT platform support for Telemedicine practice [edited subject]

Here is one that I am aware of: https://doxy.me

It offers free video chat but there are higher tiers that you can pay for that lets you record sessions, screen share, accept payments, etc.
by atomicrc11
Mon Apr 16, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 9237

Re: Costco gas

It seems like most people choose Costco gas here because of the price. That's fine. That's great. There is nothing wrong with that. But, when people start posting about the fuel additives and Top Tier gas status... IDK where this all comes from. It's like everyone starts reiterating the same talkin...
by atomicrc11
Mon Apr 16, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 3309

Re: Having Child; Car Purchase maybe?

I would have to say no, you don't need a new car with a first child so long as you current car has the safety features you desire. In 2004 cars were required to have stability control, they had driver/passenger airbags, some had side/head airbags, and any car manufactured after Sept 2002 must have a...
by atomicrc11
Mon Apr 16, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 9237

Re: Costco gas

The manual for my turbocharged direct injected car specifically states to use Top Tier gas. If you bought any car from BMW, General Motors, Fiat Chrysler Automobiles, Ford, Honda, Toyota, Volkswagen, Mercedes-Benz and Audi then your manual will tell you to use Top Tier Gas. These automakers are par...
by atomicrc11
Fri Apr 13, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 21862

Re: Work Commute: How far is too far?

For me I can do 45 minutes in a car or 1 hour by public transit. That is about where is reach my max. Arlington is pretty close to DC so there may be a way to do public transit. Would her taking the same amount of commute time but not driving make her commute better? If so, it's worth a look. She co...
by atomicrc11
Thu Apr 12, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: How can I get the best price for a new Porsche Cayenne?
Replies: 14
Views: 2233

Re: How can I get the best price for a new Porsche Cayenne?

Buy a Volkswagen Touareg which is much less expensive and has many identical parts. Same frame, same suspension, slightly different engines but you'll save at a minimum $15k.
by atomicrc11
Thu Apr 12, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Weekly Commuting
Replies: 22
Views: 2547

Re: Weekly Commuting

I did a long distance work arrangement such a this. It wasn't the Bay Area, so I don't know how it will compare price wise but for me, it was just cheaper and easier to stay in a long term stay hotel. No leases and it is furnished, has cable/internet, they clean the room for you, provide you towels ...
by atomicrc11
Wed Apr 11, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 55
Views: 6758

Re: Anyone tried a sunrise alarm clock?

I have a Phillips as well and it has also changed my mornings. I find it most useful in the winter when the sun comes up long after I need to be awake. In the summer I generally turn off the light part and use the chirping birds because the sun is up well before I get up. It is quite the investment ...
by atomicrc11
Wed Apr 04, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Work Travel and State Payroll Taxes
Replies: 9
Views: 1237

Re: Work Travel and State Payroll Taxes

Will you be doing this on your own, through a MegaCorp, or through a smaller business? I worked for a few years as a consultant for a MegaCorp and the position was 80% travel, home on Fridays. Their time system was setup to track all time billable and non-billable as well as the location where every...
by atomicrc11
Wed Apr 04, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 49
Views: 7433

Re: VW Atlas

The new Tiguan has been a good purchase and it is quite luxurious. Looked at the Atlas but didn't need the third row all the time. I also don't generally buy first generation vehicles but with a 6 year/72000 mile warranty I was comfortable taking the risk.
by atomicrc11
Wed Mar 28, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 22194

Re: 2018 Forester vs CRV vs RAV4

Just went through the same exercise and we ended up with a 2018 Volkswagen Tiguan. Excellent ride, nicer interior and it comes with a 6 year/72000 mile warranty. Very happy with the vehicle and the 2.0T engine is quite peppy. AWD is nice and if you wanted it you can get a 3rd row. Quite happy with t...
by atomicrc11
Wed Feb 21, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 4439

Re: Good Hotel in DC

I'm partial to The Mayflower. It's right near Farragut North and Farrugut West on the Metro. There are also plenty of restaurants and shops on Connecticut Ave and in the surrounding area. There is plenty of history about the hotel itself, the rooms are nice and the restaurant is quite good. +1 for ...
by atomicrc11
Wed Feb 21, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: New to FSA and Planning a baby
Replies: 12
Views: 996

Re: New to FSA and Planning a baby

Darth Xanadu wrote: Wed Feb 21, 2018 2:02 pm Does this apply to Dependent Care FSAs as well?
No, it does not. Dependent Care FSA's only reimburse what you have contributed. I usually max out the Dependent Care FSA by March but each paycheck the amount that was withheld is directly deposited into my account.
by atomicrc11
Sat Feb 10, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 4439

Re: Good Hotel in DC

I'm partial to The Mayflower. It's right near Farragut North and Farrugut West on the Metro. There are also plenty of restaurants and shops on Connecticut Ave and in the surrounding area. There is plenty of history about the hotel itself, the rooms are nice and the restaurant is quite good.
by atomicrc11
Wed Feb 07, 2018 12:35 pm
Forum: Personal Investments
Topic: Which 529 for CA resident? Utah vs NY vs MA vs NV?
Replies: 17
Views: 5137

Re: Which 529 for CA resident? Utah vs NY vs MA vs NV?

I have the NH fund as well (NHX2033 or whatever it's called). I didn't realize that the exp ratio was even lower than the Utah one! I already have a number of accounts in Fidelity so that's why I initially opened the 529 for my son. Maybe I should just open another NH or maybe MA? I guess I just wa...
by atomicrc11
Sun Jan 28, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 7346

Re: Poll: BHs who rent - what % of gross do you spend on rent?

When we moved in, rent was 34% of gross (single income). After nearly four years with the same rent (I love our landlord), it's around 10%. We are saving for a down payment, but refuse to move until our youngest is in kindergarten because the location of our rental makes it a dream spot until then....
by atomicrc11
Thu Dec 07, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 8384

Re: Do you subscribe to digital newspapers?

I digitally subscribe to the New York Times, Washington Post and Boston Globe. I prefer reading on my iPad the ePaper which comes out once daily. I always read multiple sources to get different takes and I enjoy supporting newspapers. My more real time news updates come from NPR to which I also cont...
by atomicrc11
Tue Dec 05, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Potential New Job Offer and COL
Replies: 11
Views: 1547

Re: Potential New Job Offer and COL

The Boston area has wildly different costs depending on where you live and there are ways to mitigate that depending on where you are living and working. Living near the city has great benefits for me because we only have 1 car and if I do drive, I'm going against traffic. If you outside route 128 c...
by atomicrc11
Wed Oct 11, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 4193

Re: Social Security Card - Should I get a Replacement

Already having a passport, I don’t see the value for me (unless there are other compelling reasons to get one). This is still good to know - learn something new every day. The compelling reason to get an Enhanced Drivers License is the REAL ID Act. All REAL ID compliance extensions expired on Octob...
by atomicrc11
Sun Jul 23, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 4912

Re: Commuters (that drive), what do you listen to?

I always listen to NPR when commuting during the morning and evening rush, otherwise various NPR podcasts or the local classical station.
by atomicrc11
Fri Jul 21, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Hotel Credit Card
Replies: 19
Views: 2262

Re: Hotel Credit Card

The Marriott Rewards Visa is not a bad card and if you put all your spend on it will get some good bonuses. It gives 5x points on Marriott purchases, 2x points on airfare, car rentals and dining out, and 1x points on everything else. You get 10 nights credit per year which guarantees you Silver Rewa...
by atomicrc11
Fri Jun 23, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 4855

Re: Part-time computer science graduate schools in Boston area?

You might want to check out UMass Boston as well. A public school might be less expensive than the private ones mentioned. I would second UMass Boston. The UMass system is quite good and they offer various IT degrees. You can get an MS in Computer Science and they also offer an MS in IT through the...
by atomicrc11
Fri Jun 23, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 9574

Re: Is the new Chevy Equinox any good?

If you're really curious, make a reservation with a car rental location that has one and drive it for a week. It will be well worth the few hundred dollars to see if you like before buying. I did this with my current car which is a Chevy Cruze. Chevy is also releasing a version this summer with a Di...
by atomicrc11
Tue Jun 20, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 7110

Re: Liability with dogs, hypothetical

You will be held liable in NJ according to statute 4:19-16. Therefore, you should post no trespassing signs and specifically state to the other dog owner that he/she is not allowed on the property. This should give you some protection as the below statue states; the owner of the dog is liable for al...
by atomicrc11
Mon Jun 05, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 6473

Re: NY vs Utah 529?? Can't decide!

Any would be great. Neglible differences as others have said. I think MA Fidelity is a bit better than UT and NY. Index fund choices are lower cost than NY or UT. Great customer service. I have heard this as well. I was surprised that one of my very financially savvy friends opted for the UT plan d...
by atomicrc11
Mon May 15, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 12308

Re: Tipping at All Inclusive Resort?

Can't people sign for tips instead of giving people cash? How are you sure they aren't tipping? Is there an opportunity to leave a tip for the staff at checkout? You can never be sure that the staff is actually getting the tips unless you hand it to them in cash. Even businesses that give staff the...
by atomicrc11
Fri May 05, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How does Fidelity make money if I hold Vanguard funds in my account?
Replies: 9
Views: 2383

Re: How does Fidelity make money if I hold Vanguard funds in my account?

Fidelity does not charge to sell Vanguard mutual funds, but as stated above they charge $75 to buy. You can reduce the cost if you set up automatic purchases at least two times per year which will cost you $5 each.