Search found 1970 matches

by SimonJester
Thu Nov 14, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 29
Views: 1583

Re: Garage Generator Install

I doubt the generator is designed to have its exhaust routed through a flue like that. There are very specific requirements surrounding exhausting natural gas appliances. You could cause back drafting of the water heater which can then force its CO into the living space. Also burning natural gas con...
by SimonJester
Sun Nov 10, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3312

Re: Question for Car experts - how urgent/important are these maintenance items

On my 2004 Sienna I went 12 years on the original belt and coolant, both were changed out when I had the timing belt replaced at my independent mechanic. I recommend you find an independent mechanic and stop going to the stealership...
by SimonJester
Sat Nov 09, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3965

Re: shocking hospital fee estimate

The game is rigged... My son just had wrist surgery, the day of the surgery the surgery center ran his insurance and provided a detail of what would be billed to my insurance, what the negotiated fee was, and what the Co insurance would be. They required payment of the co insurance that day. Fast fo...
by SimonJester
Fri Nov 08, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: Public-exchange ACA plans on HealthCare.gov - Do they have advantages over private plans?
Replies: 7
Views: 669

Re: Health Insurance: Public-exchange ACA plans on HealthCare.gov - Do they have advantages over private plans?

Need to compare apples to apples. You need to know the Plan premium, Deductible, Co-Pays, Out of Pocket Max, and Co Insurance after the deductible. Then you need to see which providers are in network for each plan. The last part we cannot compare is the negotiated rates for various procedures betwee...
by SimonJester
Mon Nov 04, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Outlook email PST file is corrupt, need advice
Replies: 17
Views: 1233

Re: Outlook email PST file is corrupt, need advice

How large is your PST file? I know at mega corp, we see a lot of issue when the size of the PST file get into the multi Gig range. IN fast at 2 Gig its almost a guarantee for corruption.
by SimonJester
Tue Oct 29, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Drone for nephew
Replies: 2
Views: 420

Re: Drone for nephew

I am looking for recommendations on a drone for my 9 year old nephew. He has no drone experience, and I would look to spend around $75 - $100 or so. He would use this drone with his parents, and I think ease of use, flight time, basic camera, return-to-home would be essential features, but I know n...
by SimonJester
Mon Oct 28, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4299

Re: New Computer with or without SSD?

What are these security vulnerabilities? Someone can steal your credit card number when you enter it online? They can find your passwords? Windows 7 has been out a long long time. What possible new vulnerabilities could there be that hasn't been discovered by now? The possibilities are limitless, p...
by SimonJester
Mon Oct 28, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medical billing vent
Replies: 9
Views: 1153

Re: Medical billing vent

I am just bewildered at this system we have... My son just had surgery the surgeons fees were bill as $8,000, but accepted fee was less then $2,000. MY portion 20%. The surgery center billed over $10K but the accepted fee was $650, again my portion was 20%. From $10K down to $650. I have no clue on...
by SimonJester
Mon Oct 28, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medical billing vent
Replies: 9
Views: 1153

Re: Medical billing vent

I am just bewildered at this system we have... My son just had surgery the surgeons fees were bill as $8,000, but accepted fee was less then $2,000. MY portion 20%. The surgery center billed over $10K but the accepted fee was $650, again my portion was 20%. From $10K down to $650. I have no clue on ...
by SimonJester
Mon Oct 28, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4299

Re: New Computer with or without SSD?

I dont believe the SSD has a shorter life then a traditional magnetic disk. In fact the SSD having no moving parts will outlast many traditional magnetic disks. I've seen some estimates that put a SSD lifespan into the hundreds of years (based on the write limitation). The biggest advantage of SSD i...
by SimonJester
Sat Oct 26, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

Yes connecting your cable modem to the netgear switch will then allow you to connect 4 other devices. They all should pick up an IP address from the cable modem and get out to the internet. Do most ISPs serve up more than one IP address to residential customers? I know mine does not but it is a sma...
by SimonJester
Sat Oct 26, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

You likely need to replace an obsolete modem, as if the power fails it will possibly not reconnect upon reboot. You need to buy a router. How many Ethernet ports you need is the question. If devices are wireless, you need no Ethernet ports, just WiFi. Google WiFI provides one Ethernet ports as an e...
by SimonJester
Sat Oct 26, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

It's impossible to over estimate my ignorance about networking. Having said that, this is what I'm working with. I have an old Motorola surfboard cable modem, formerly connected to my Windows XP SP3 laptop. I know, I know, but I have mega expensive specialized peripherals that only run on that and ...
by SimonJester
Fri Oct 25, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Recent Employment Background/Credit Check - How long?
Replies: 3
Views: 241

Re: Recent Employment Background/Credit Check - How long?

And is it safe to resign from current role before getting all clear from HR while the background check is pending? Too risky unless you do not need the income. I would not resign until you are a firm start date with the other company. If you are in an at-will employment state they can walk you out ...
by SimonJester
Fri Oct 25, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: ACA 2020 pricing [What's your 2020 pricing?]
Replies: 38
Views: 4017

Re: ACA 2020 pricing [What's your 2020 pricing?]

Not ACA but my Megacorp insurance premium went up 19% this year.
by SimonJester
Fri Oct 25, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2407

Re: How to Know if an Old House is Reasonably Beyond Repair

OP: some responses to the responses would be helpful. Also, more information as requested by some. j :happy Sorry about the delay. I very much appreciate everyone's insight. Just to answer some questions... We are essentially interested in the property for the land that has appropriate zoning or is...
by SimonJester
Wed Sep 25, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14171

Re: Equifax settlement: how to file claim?

Does one have to have received the email to be eligible? I know there's a site to see if you are eligible, but I'd rather not put all my info. in there.. I would guess everyone in US with a credit card is eligible, no? To be eligible your personal information had to be involved in the Equifax data ...
by SimonJester
Wed Sep 25, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Quicken Subscription Renewal
Replies: 31
Views: 2090

Re: Quicken Subscription Renewal

Buy a 1-year subscription on eBay and just apply the code. Voila. I paid $35 a few weeks ago. Which code are you talking about? Is it the original activation key that came with my current subscription? When you buy quicken it will come with a new activation code. These codes are good for two years ...
by SimonJester
Wed Sep 25, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Quicken Subscription Renewal
Replies: 31
Views: 2090

Re: Quicken Subscription Renewal

Buy a 1-year subscription on eBay and just apply the code. Voila. I paid $35 a few weeks ago. Which code are you talking about? Is it the original activation key that came with my current subscription? When you buy quicken it will come with a new activation code. These codes are good for two years ...
by SimonJester
Thu Sep 19, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11230

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

I am seriously considering this. I have been looking forward to this trip for last few years to celebrate my home's festivity season - like I haven't been home for Christmas for last 10 years. I'm split. Cancel the trip. The cost is "only" 1.5k. Which ever way you go, I would go on your trip. How m...
by SimonJester
Tue Sep 10, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4442

Re: Equifax breach settlement update?

njuser wrote:
Tue Sep 10, 2019 8:41 am
My guess: $2.15.
My guess is $0.00 < $1.00, I believe if there are enough claims it will reduce the settlement below the $1.00 point.
by SimonJester
Sat Sep 07, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14171

Re: Equifax settlement: how to file claim?

Has anyone received a follow up about their claim? I was compromised and filed for the $125 payment since I already used Credit Karma to monitor my credit. I received an email yesterday stating that I had to verify (or amend) my claim by providing the name of the credit monitoring service I had in ...
by SimonJester
Fri Sep 06, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2373

Re: Bamboo Flooring

I have bamboo in my kitchen, it does dent easily. For example my son dropped a set of plates from the height of the opened dishwasher bottom rack into the floor edge wise. They left three long dents in the floor. Another issue we have had with the floating engineered flooring is the boards separatin...
by SimonJester
Thu Sep 05, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1388

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

Here are the numbers: $5k Deduct= $652.00/YR $2K Deduct= $788/YR $1k Deduct= $898/YR For $136/year difference, I would go with the $2000 deductible. It's $11/month. How much coverage is this for? Look at it this way, saving $136 a year could cost you $3,000 in deductible. $3,000 / $136 = 22. So you...
by SimonJester
Thu Sep 05, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 3850

Re: Career change at 36- Finance to Nursing/PA?

My wife is an RN so I have some prospective on this... Hello, Recently I have been considering changing my career at age 36 and going from finance (risk and compliance) to Healthcare (mainly nursing or physician assistant). I like the work I do now, but I don't feel challenged enough and want someth...
by SimonJester
Thu Sep 05, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How to help MIL
Replies: 26
Views: 1537

Re: How to help MIL

Good Morning BH, Recently my MIL has requested us to hold ~200k for her. For a multitude of reasons, it's not feasible for her to open an account in her name at the moment. --Taxes: What should I be looking out for here beyond any interest accrued and raising our taxable income slightly (don't beli...
by SimonJester
Tue Sep 03, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Extended Car Warranty
Replies: 24
Views: 1665

Re: Extended Car Warranty

Wow that price is super high, I purchased a 7 year 100K mile extended warranty for my Toyota Sienna for $540. I never ended up using it...
by SimonJester
Thu Aug 29, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: While there is a high school question - my daughter wants to graduate early
Replies: 76
Views: 3918

Re: While there is a high school question - my daughter wants to graduate early

The high schools in my area are advising students not to graduate early as the colleges frown on it. She would miss prom, graduating with the rest of her class, plus one last semester with her peers. My vote would be not to graduate early but have her take a few classes in fun electives she might no...
by SimonJester
Thu Aug 29, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 5196

Re: Friend has cancer. What should be the next steps?

In the longer run, he may become eligible for Social Security disability if he can’t return to work. Getting SSDI approved will likely take longer then he has left to live, its worth checking if he is eligible to receive SSDI (how many points has he collected so far?), but I think this is a slim ch...
by SimonJester
Mon Aug 26, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2193

Re: Should I paint dark brown wainscotting?

Wow! Looks very nice. Thanks for sharing an update. One additional easy update is to replace the dark colored heat register that is on the ceiling with a register that matches the ceiling color. Good idea, I think I will look into that. PS I am unsure if your washing machine hose leaked? This happe...
by SimonJester
Sat Aug 24, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9838

Re: The cost to talk to a doctor

Mine runs about $150 for a talk. If you try and save the talk for your annual physical you get charged anyways. No way to manage this, just have the talk and see what happens...
by SimonJester
Sat Aug 24, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2193

Re: Should I paint dark brown wainscotting?

I thought I would come back here are share what we decided. We took the carpet sample to the paint store and went a few shades lighter then the carpet for the main walls. Since the wainscotting would always look a different color then the walls we decided to paint it a complimentary color of white. ...
by SimonJester
Thu Aug 22, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2193

Re: Should I paint dark brown wainscotting?

Again thanks for all the replies. I'm really conflicted on the fireplace. I also do not like the look of painted brick, however the brick is a mix of lime green and dark green colors. I really like what this person was able to do with their painted brick fireplace https://www.prettyhandygirl.com/pai...
by SimonJester
Wed Aug 21, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: DSL Advice
Replies: 29
Views: 1746

Re: DSL Advice

The concern should be your computer getting compromised by other users on the AB&B network. You can mitigate this by using VPN as other have suggested, but you must connect to the VPN right away and stay connected. Another solution take your own WIFI router, connect it physically to their WIfi rout...
by SimonJester
Wed Aug 21, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: DSL Advice
Replies: 29
Views: 1746

Re: DSL Advice

The concern should be your computer getting compromised by other users on the AB&B network. You can mitigate this by using VPN as other have suggested, but you must connect to the VPN right away and stay connected. Another solution take your own WIFI router, connect it physically to their WIfi route...
by SimonJester
Wed Aug 21, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1522

Re: Quicken update headaches

Thanks for everyone's comments. I do have a backup file, from yesterday. I can't open it. I backup my files several times a week, to both an external HD and to the cloud. I echo contacting Quicken support as well. Mine patched without incident... I believe you need to reinstall Quicken, a clean ins...
by SimonJester
Tue Aug 20, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2193

Re: Should I paint dark brown wainscotting?

Thanks for all the suggestions! Keep them coming. So the wife nixed the idea of removing it, too much work and unknowns. I pulled the top rail off to see what was behind, and its nailed to 3/4" plywood, does look like there is drywall behind the plywood but probably not finished. Right now the wife ...
by SimonJester
Tue Aug 20, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2193

Should I paint dark brown wainscotting?

Due to a washing machine flood we are rehabbing our downstairs family room. I need some suggestions on painting 1970's dark brown wainscotting. The room it a long narrow 26'x10' family room some 1970's green brick fireplace. We would like to lighten up the room. We have chosen a light brown carpet c...
by SimonJester
Thu Aug 15, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 2082

Re: 1) What age did you have your teen get a driver's license?

Mine were both 17 ish when they finally got their licenses. Permits in my area must be held 12 months before they would get the full license. For my state permits are only valid for 24 months, so you have to get the full license before then. Once both kids had jobs, and multiple after school activit...
by SimonJester
Sun Aug 11, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 26 - Employer Healthcare Options
Replies: 11
Views: 537

Re: Turning 26 - Employer Healthcare Options

One item you might want to check into is what your primary care Dr office will charge for a standard visit. Mine is like $194 and my HDHP brings this down to like $143. I pay this every time I see the DR (except for wellness visit) until I hit my deductible. This charge might sting a little at first...
by SimonJester
Sun Aug 11, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 7037

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

I went CC less for 5 years using only debit cards. Also did not have a mortgage. Yes my credit score could no longer be calculated. Then my debit card was hacked. It took 10 business days to get another debit card and another few weeks to clean up. Luckily I had another debit card to use with anothe...
by SimonJester
Sat Aug 10, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Not getting 5% reward cash back on my Amazon prime credit card
Replies: 24
Views: 3047

Re: Not getting 5% reward cash back on my Amazon prime credit card

Thanks everyone. I was confused about how it worked. I called Chase and I think I now understand. The points don't become available on Amazon until the 16th of the month, so even though I have accumulated points that I can see on the chase website, I can't use them on Amazon until after the 16th. T...
by SimonJester
Wed Aug 07, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 3811

Re: Mortgage final payment

This seems to be the standard, the online site is not equipped to handle the final payoff. Your final payoff includes interest to the day of payoff and perhaps a recording fee. Even more fun WF will charge you a wire fee to wire money to itself so be prepared for that if you bank with them. I did no...
by SimonJester
Mon Aug 05, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: secured credit card
Replies: 13
Views: 853

Re: secured credit card

Is he a college student? Some credit card companies offer student cards to those with no/little credit history which do not require a deposit. https://www.capitalone.com/credit-cards/journey-student/?external_id=WWW_WR311_ZZZ_ONL-SE_ZZZGO_T_SEM2_ZZZZ_c_Zg_94d7eb80-b515-4a4f-b50b-8710ac3764f9_289434...
by SimonJester
Fri Aug 02, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: 529 & Student Loans
Replies: 13
Views: 994

Re: 529 & Student Loans

I have one in college first year done and the 2nd going off to college in the fall. We have had lots of money conversations and to be honest the number are soo large to a 18 / 19 year old it just doesn't sink in what that will mean when they get out of college. I think your intent while well meaning...
by SimonJester
Fri Aug 02, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance with 15 or 16 year old driver in house
Replies: 8
Views: 1106

Re: Umbrella Insurance with 15 or 16 year old driver in house

I plan on just getting my child/young adult their own policy and car in their own name. That would help insulate us from their liability at least once they are 18. You can't get a license in our state until 17. Not sure how much that will really isolate you from lawsuits since you're still the guar...
by SimonJester
Wed Jul 31, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Reimbursement for Baby Formula
Replies: 3
Views: 364

Re: HSA Reimbursement for Baby Formula

Perhaps it would be safer to take an average of all the formula's at your grocery store and use that as your basis?

Now my DR says I need to eat lean red meats, so I can use my HSA for the difference between my lean Wagyu steak and the generic brand select gristle steak :P
by SimonJester
Wed Jul 31, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: How are prescription costs determined?
Replies: 13
Views: 995

Re: How are prescription costs determined?

Another thing that is annoying is my doctor gives electronic prescriptions (sent electronically to the pharmacy). For a new prescription, I would like to shop around using GoodRx, etc. I know I can call and have the prescription transferred, but that is a hassle. Is it a hassle to the doctor to ask...
by SimonJester
Wed Jul 31, 2019 10:20 am
Forum: Personal Investments
Topic: Closing out Son's ESA
Replies: 4
Views: 443

Closing out Son's ESA

Is there anything special I need to do to close out my Son's ESA with Vanguard? We will be withdrawing the last of the account balance this fall.
by SimonJester
Wed Jul 31, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 4198

Re: VOIP - what do you use?

Do you use Obihai OBi200? Yes, only issues I have had, if my internet goes out sometimes I need to reboot the Obi to get service back. For some odd reason every time I call my father's cell phone when connecting I get nothing but a loud static. He can call me back and I can call him a 2nd time no i...