Search found 236 matches

by fizxman
Tue Nov 26, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Severance Negotiation - what is reasonable
Replies: 59
Views: 3970

Re: Severance Negotiation - what is reasonable

When I got laid off this past summer, the documents I signed said that I had 45 days to sign the document and then seven days after I signed it to rescind. It also said I had the right to see an attorney, which I did. These were either federally or state-mandated but I'm not sure. So, I would check ...
by fizxman
Mon Nov 25, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Severance Negotiation - what is reasonable
Replies: 59
Views: 3970

Re: Severance Negotiation - what is reasonable

I view a severance as a quid pro quo. The employer is asking things of the former employee and in return, the employer will give the employee various things. Those things, on both sides, can be negotiated. In this case, if the employer doesn't want anything from the former employee, then the employe...
by fizxman
Thu Oct 31, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12892

Re: Possible Layoff: Need Assurance That We Will Be Okay

My net worth is about one-tenth of yours and I've been laid off since mid-July (luckily I start a new job in about a week) but I'm okay and so will you. You got COBRA for health insurance, you can get a few bucks with unemployment, but best of all for you, you're sitting on a large pile of cash. Get...
by fizxman
Tue Oct 22, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11849

Re: Ok to go without health insurance?

The only way I see this working out is if the majority of the people in the country also did not have insurance. If X% of the population couldn't pay out-of-pocket for a $3k MRI or $75k for a broken finger or $1 million+ for cancer treatment, I'd imagine prices would drop to a level where people cou...
by fizxman
Sun Oct 13, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Moto G7 Review after 2 days
Replies: 12
Views: 1998

Re: Moto G7 Review after 2 days

I've had the Moto G7 Power since the beginning of August and am pleased with it. I always try to get phones with the largest batteries I can find and this one has a 5000 mAh battery that lasts for days. Everything else about it is just fine. It's not as fast as the latest Samsung phones but it's abo...
by fizxman
Wed Sep 25, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Teaching as a second career with no prior formal training in teaching
Replies: 24
Views: 1583

Re: Teaching as a second career with no prior formal training in teaching

He enjoyed the teaching he did in graduate school and is considering trying to get out of industry rather than finding another similar job. Teaching undergrads at a university is going to be quite different than teaching high school. Just because he liked teaching while being a grad student does no...
by fizxman
Wed Sep 11, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4695

Re: Best Dog Car?

Get a car big enough for the two dogs and put something like this in the back seat.

https://smile.amazon.com/dp/B078L2MWRN/ref=dp_cerb_1
by fizxman
Sat Jul 20, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about becoming a teacher in California?
Replies: 25
Views: 2415

Re: What do I need to know about becoming a teacher in California?

Sign up to be a substitute teacher. If you can handle that, you'll be able to handle teaching (and anything else life may throw at you).
by fizxman
Thu Jul 11, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 4315

Re: Why Is Cord Not Included?

I delivered furniture and appliances over the summers during college and we would just pull the old one off and use it. It's standard for ranges and dryers not to come with power cords but they are easy to swap out.
by fizxman
Tue Jul 02, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 19437

Re: How much should I have saved for retirement by age 40?

$1,000,000,000

I turn 39 in 5 days. I won't hit my number in 371 days (2020 is a leap year so I get an extra day).

Since no two posters are the same, everyone could give a completely different number, so I don't know how this information is helpful.
by fizxman
Thu Jun 27, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor Keeps Mildy Trespassing
Replies: 19
Views: 3051

Re: Neighbor Keeps Mildy Trespassing

I definitely wouldn't talk to them, or at least not him, ever again. You already went above and beyond trying to be a nice neighbor by offering to help out and they chose not to accept your help. If you think this is going to be an ongoing problem, gather evidence to, at the very least, protect you ...
by fizxman
Thu Jun 27, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: 1st time Home-buyer Questions
Replies: 19
Views: 1258

Re: 1st time Home-buyer Questions

As some have noted, this should probably read appraisal contingency . The sellers don't want a deal to fall through because the house appraises for less than the deal price. If that happens, and the buyer can't make up the difference in cash, the seller gets to keep the buyer's earnest money. That ...
by fizxman
Thu Jun 27, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: 1st time Home-buyer Questions
Replies: 19
Views: 1258

Re: 1st time Home-buyer Questions

With only $80 to put down, I'd only be looking at houses that I could get for $400k max. But in the northern Virginia market, you may need to stretch a little more to get something decent, I don't know. The seller asked to waive the appraisal, which was a little strange. I'm not sure I know what tha...
by fizxman
Fri Jun 21, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 10830

Re: Permanent DINK couples - Considerations, thoughts, etc?

I'm one half a DINK couple and one thing I haven't seen mentioned is when other DINK couples in your circle have kids. When friends have kids, they usually don't have the time to hang out with you like they used to. Friends of ours had their first kid about 5.5 years ago and it really wasn't until t...
by fizxman
Wed Jun 05, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 3264

Re: Buying Burial Plot in advance

My parents bought two plots for themselves in a cemetery where my mom's family is from. They changed their minds and now are going to be buried in a military cemetery but they still have the plots they bought years ago. So unless you are 100% positive you'll want to be buried there when the time com...
by fizxman
Sat May 18, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit union for mortgage?
Replies: 26
Views: 1783

Re: Best credit union for mortgage?

I thought credit unions were less likely to sell loans? Ours never sells them. Are you sure about that? They can sell the loan (like to Fannie Mae) and still service it (i.e., collect payments) and you might never notice. Most credit unions (which tend to be smaller than big national banks for obvi...
by fizxman
Wed May 15, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2589

Re: PSA: Do you have working carbon monoxide detectors?

3 wired Nest Protect combo smoke/carbon monoxide. One on each floor. Also additional standalone natural gas and carbon monoxide detectors in utility room. We have two Nest Protects, but battery operated, not hardwired. One is outside all of the bedrooms and the other is at the top of the stairs in ...
by fizxman
Tue May 14, 2019 7:06 am
Forum: Investing - Theory, News & General
Topic: What's the highest ER fund available to you?
Replies: 13
Views: 1468

Re: What's the highest ER fund available to you?

In my 401k plan at Fidelity, it's BSFIX at 1.04%.

For comparison purposes, the lowest is FXAIX at 0.015%.
by fizxman
Tue May 14, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 11097

Re: What non frugal things save money?

The free coffee I get at work is awful. So I go in with a coworker and buy a big bag of Dunkin Donuts brand from BJ's. This saves me from (a) having to buy a big bag on my own and (b) stopping at a local coffee shop every day.
by fizxman
Mon May 13, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Mosquito control in Central Va
Replies: 23
Views: 2019

Re: Mosquito control in Central Va

In our area we have wetlands with large areas of standing water. We have tried everything under the sun to control mosquitos. The most effective method I have found so far is remarkably simple: https://www.nytimes.com/2013/07/16/science/a-low-tech-mosquito-deterrent.html We have a large fan on our ...
by fizxman
Mon May 13, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1700

Re: Internet speed recommendation

We have 50 Mbps FiOS and stream on multiple devices as well as play online video games and don't have any issues.
by fizxman
Wed May 08, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: High Humidity in Sunroom
Replies: 33
Views: 1693

Re: High Humidity in Sunroom

You can try Damprid. I'm not sure they'll be enough in a room with a hot tub though. I have the hanging version and it does collect water but not as fast as a dehumidifier.

https://www.amazon.com/dp/B0029EGUNG/ref=emc_b_5_t
by fizxman
Wed May 08, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: life insurance
Replies: 15
Views: 1179

Re: life insurance

I don't want to hijack this thread but I'd like to buy some life insurance as well. I currently have 1x my salary free through and DW doesn't have any. I'm a member of IEEE and I can get life insurance from New York Life through IEEE for both of us. According to the table below, they are much cheap...
by fizxman
Wed May 08, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: life insurance
Replies: 15
Views: 1179

Re: life insurance

I don't want to hijack this thread but I'd like to buy some life insurance as well. I currently have 1x my salary free through and DW doesn't have any. I'm a member of IEEE and I can get life insurance from New York Life through IEEE for both of us. According to the table below, they are much cheape...
by fizxman
Wed May 08, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 49
Views: 5883

Re: Lost out on 401k match for over-contributing

Is there a reason why I can't pick the dollar amount I want to contribute to my 401k instead of a percentage of my salary? Can't you change it online? I was able to change my % contribution whenever I wanted to online. Does the raise really affect it that much? I guess I should be happy with my emp...
by fizxman
Mon May 06, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 4574

Re: Educational pathway(s) for future engineer

I'm not sure I'd go with nuclear engineering. I live a few miles from Three Mile Island and if the state doesn't bail them out, they are going to close down. Just my two cents. I'm an EE myself, (Signal Integrity engineer for 10 years) and I know the school you're talking about is a good school. Per...
by fizxman
Mon May 06, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 49
Views: 5883

Re: Lost out on 401k match for over-contributing

Is there a reason why I can't pick the dollar amount I want to contribute to my 401k instead of a percentage of my salary? It would be so much easier if I could say I want to max out my 401k so take $19,000 / 26 paychecks, then contribute that amount. This should also avoid maxing out your 401k too ...
by fizxman
Fri May 03, 2019 12:33 pm
Forum: Personal Investments
Topic: Riskfree 3.00% Yield?!
Replies: 33
Views: 6496

Re: Riskfree 3.00% Yield?!

Maybe I’m the one who needs to learn from you all. So let’s do a comparison for maximum money accumulation after tax. Taxable Money Market Rate: 2.25 Yield Tax exempt Muni Fund: SEC Yield 2.07% However due to a Muni being tax exempt, the true yield would be 2.9%. Guys, what am I missing here? Why i...
by fizxman
Thu Apr 25, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2023

Re: Car/Truck/SUV??

I own a 2016 Hyundai Sonata. I could trade in and break even. I bought this before we got a 90lb dog. We have been taking him on day hikes,etc lately. He fits fine in backseat now but if both my kids come with me its a tight fit. Ill admit its rare they both come but it got me thinking of maybe get...
by fizxman
Thu Apr 18, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Best and cheapest way to finance a new car: dealership?
Replies: 23
Views: 2047

Re: Best and cheapest way to finance a new car: dealership?

I’ve personally found dealerships offer the lowest rates. In March I was able to get dealer financing for 1.9% for 60 months with a $2,500 down payment. They offered to take another $1,500 off, but the financing would be 3.9% and I laughed. Depending on the amount of the loan, the dealer may be the...
by fizxman
Fri Mar 22, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Canceling escrow account
Replies: 27
Views: 2908

Re: Canceling escrow account

When I changed my homeowner's insurance, I called US Bank about the switch and about canceling my escrow. They told me there was a fee to cancel the escrow for the insurance and another for canceling the escrow for taxes. I said nevermind. Is it common to charge a fee to cancel an escrow account? I...
by fizxman
Fri Mar 22, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Canceling escrow account
Replies: 27
Views: 2908

Re: Canceling escrow account

When I changed my homeowner's insurance, I called US Bank about the switch and about canceling my escrow. They told me there was a fee to cancel the escrow for the insurance and another for canceling the escrow for taxes. I said nevermind. Is it common to charge a fee to cancel an escrow account? I ...
by fizxman
Thu Mar 21, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 11481

Re: Paying cash for a vehicle

Do not let the dealer know you plan to pay cash. This way they will drop the price more. They want you to have a loan from them. Absolutely. No discussion of financing (or not financing) until price is nailed down. Also, don't discuss trading in the old car until the end. Also this. If they think y...
by fizxman
Wed Mar 20, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 4015

Re: New carry-on policy at United Airlines?

Small regional planes = small overhead bins that fill up fast. The gate agent probably was a little too aggressive regarding how fast the overhead bins filled up if there was still space in the overhead bins when you boarded. Usually, the cutoff is group 4 for United, not 3 but if there were a lot o...
by fizxman
Mon Mar 04, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9711

Re: Why do you live where you live?

Many parallels to Rus in Urbe. I also in Upstate NY but a couple hours to the east. My comments in purple. Well, I'll play. SYRACUSE, NY Schenectady-Albany-Troy-Saratoga Springs = Capital District of NY I moved here from Manhattan (which we also loved) because I was recruited for a job. We moved he...
by fizxman
Mon Mar 04, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9711

Re: Why do you live where you live?

I went to college here, taught high school here, went to grad school here, then got a job here. I stay here because it's close to family, I like all four seasons and it's a relatively low cost of living area. My wife (whom I met here) and I make good money so we're able to save 25-30% of our salarie...
by fizxman
Tue Feb 19, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state/job 6M ago. Previous employer wants me back!
Replies: 57
Views: 5923

Re: Moved to new state/job 6M ago. Previous employer wants me back!

If OP takes the CA company job but works remote from TX, would he be charged income taxes on CA or TX (no income tax)? That extra 10K in salary (as currently proposed) would be eaten by CA state taxes if counted as CA based. In that case, I do NOT see any benefit of even the remote option. Californ...
by fizxman
Tue Feb 19, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2501

Re: Trailer towing capacity questions

I would say a crew cab pickup is more practical than a SUV. A pickup can do everything an SUV can do, and more. Why limit yourself? A crew cab High Country or Denali are both as nice as any SUV. +1 Look at a crew cab full-size or mid-size pickup to see if it fits your non-towing needs. I towed abou...
by fizxman
Fri Feb 15, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9123

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Both Sam's club's and samsclub.com's customer service is a joke. They promised to callback "tomorrow" on Monday but I never received one. I tweeted to Sam's club's official account and they did not even reply. If anyone still thinks that getting 3 years old tires is okay, here's some more info: 1-I...
by fizxman
Fri Feb 15, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9123

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I'm surprised any industry on the planet is okay with ~3 years worth of inventory. Why not just make less and avoid the issue altogether? I suppose because it may be impossible to know how many of the tires will be sold before you manufacture them. Maybe there is almost no inventory left now. Tire ...
by fizxman
Mon Feb 11, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9123

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I'm surprised any industry on the planet is okay with ~3 years worth of inventory. Why not just make less and avoid the issue altogether?
by fizxman
Tue Feb 05, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47533

Re: What lifestyle creep made you happier?

"Upgrading" from a Subaru Outback to an F-150. Just got back from a snowmobiling trip and towing ~1500 lbs with the F-150 was sooooooooooo much better than towing with the Outback.

Also snowmobiling.
by fizxman
Fri Jan 25, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9519

Re: No Children, what will your legacy be?

It's just my wife and me so if I'm the last to go, it may go here.

https://info.territoriodezaguates.com/index/
by fizxman
Tue Jan 22, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6148

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

By pretty much any standard, the weather in Sunnyvale is better than the weather in NYC pretty much all year, and yes, people do stuff outside. I always found it strange when people say the weather in Place A is better than Place B since it's really all a matter of opinion. I mean it's hot and humi...
by fizxman
Tue Jan 01, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1330

Re: Change in Equifax credit report - but wasn't me

+1. Me too. Got three new offers in the mail last week. It's simply not true that freezing your credit also freezes new credit offers. I didn't realize that. I also apply for many online banks (chase interest rates). I assume I need my credit report open to do that as well. Or perhaps I'm wrong abo...
by fizxman
Mon Dec 31, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 46
Views: 6063

Re: Tips on preventative home maintenance?

Have a plumbing company inspect your lateral sewer lines with a camera to look out for cracks and tree roots and make sure no debris like rocks or soil is clogging the pipe. Trust me, you don’t want that line to back up and damaged your ceilings or floors. You can be out of water for two weeks beca...
by fizxman
Mon Dec 31, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1330

Re: Change in Equifax credit report - but wasn't me

If you're aware that you have lost your credit information due to a data breach, why haven't you locked your credit yet? It is free by law at all three major credit reporting agencies. A monitoring service only tells you that someone is breaching your credit or opening accounts in your name. At tha...
by fizxman
Fri Dec 21, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car buying decision
Replies: 32
Views: 2785

Re: Car buying decision

How can offering financing below the cost to provide it (i.e., zero or low interest) not be offset in the sales price of the vehicle? It would be coming out their margin if that were case. The vehicle sold with subsidized financing must be sold for more than a cash sale to achieve the same profit m...