Search found 294 matches

by fizxman
Tue Aug 04, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA and Possible Break in Coverage
Replies: 13
Views: 882

Re: COBRA and Possible Break in Coverage

I'm not aware of any process where the employer "starts the clock" on the 60 days to start coverage. I believe it starts when his coverage ends automatically. It may take a few days to a week for the employer to provide the paperwork to sign up for COBRA, but that clock has started ticking. Not tha...
by fizxman
Tue Aug 04, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?
Replies: 33
Views: 1416

Re: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?

I've been disappointed with the power of my Ryobi Brushless 18v trimmer. I had an old chepo-ryobi 18v with the single string outlet that actually seemed more powerful. Although they do an OK job, neither can cut through the thicker weed-type grass that tends to accumulate along the edges of walkway...
by fizxman
Tue Aug 04, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?
Replies: 33
Views: 1416

Re: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?

Do you have other Ryobi tools with either battery? If so, get the version with the same battery. If not, go with the 40V battery. I have an 18V Ryobi trimmer and I get just about 15-20 minutes of actual use from one battery so I need to use a second to finish trimming.
by fizxman
Tue Aug 04, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Family member making poor choices
Replies: 18
Views: 2874

Re: Family member making poor choices

I would be less worried about what happens to the loan if your family member dies and be more worried about what would happen if your family member and the SO have a falling out because the property would be in both their names. How would that get reconciled?
by fizxman
Tue Aug 04, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: A dumb vehicle trade-in scenario?
Replies: 33
Views: 2179

Re: A dumb vehicle trade-in scenario?

Take the money you would save by not doing what you're attempting to do and put more money down when you purchase a house. Putting more down would offset some risk the lender is taking by lending to a person with little to no credit.
by fizxman
Mon Aug 03, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 57
Views: 3258

Re: Move to NE Ohio?

Not to hijack the thread but I got a job offer in the Painesville area, so I've been following closely. How far west, towards the city, would one consider living? Would downtown be an option or is getting out of the city in the morning and back in from Painesville in the evenings asking too much? I ...
by fizxman
Fri Jul 31, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Credit card( chase) application denied
Replies: 24
Views: 2169

Re: Credit card( chase) application denied

Just to add a few more points for comparison: My oldest credit card is 16+ years old and Chase says that my credit age is "Good". My payment history is 100% and Chase says they consider it "Great". So if 16+ years is only considered "Good" by Chase, you can draw your own conclusion for how they grad...
by fizxman
Wed Jul 29, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5458

Re: Need to destroy old external Hard Drives

Hammer with a nail setter/punch.
by fizxman
Thu Jul 23, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 8616

Re: Mosquitos! Mosquitos! Mosquitos!

mcblum wrote:
Thu Jul 23, 2020 7:18 am
for sitting in back yard or patio, cheap box fan or two will protect you. All the other chemical remedies will not work. It is seasonal. M
+1 This the only thing that works as far as I'm concerned. Mosquitos are weak fliers so a good breeze from a few fans keeps them away.
by fizxman
Wed Jul 22, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 3712

Re: Moving to Baltimore area

I find it amusing that people fixate on Baltimore. It is a small part of the state and many people who live in MD, never go into Baltimore except possibly for a sports event. There is a ton of stuff to do in various parts of the state, from the ocean on the eastern shore, to the bay, to the "mounta...
by fizxman
Wed Jul 22, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 3712

Re: Moving to Baltimore area

If you decide to live in Baltimore County, the farther away from the city, the better the schools. I taught in Baltimore County for a few years and there's a big difference in quality depending on location. Hereford in northern Baltimore County would be the only high school I'd consider in the count...
by fizxman
Sun Jul 19, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Best fire alarm for young children
Replies: 17
Views: 630

Re: Best fire alarm for young children

Does anyone have any suggestions for such a product? We switched to Nest smoke detectors for other reasons but they do say "heads up, there is smoke in "name of room" when triggered and it did wake up our kids much easier than the previous beeping ones. Other advantages are: they do their own month...
by fizxman
Fri Jul 17, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2035
Views: 217344

Re: [What TV Show Have You Recently Watched?]

Travel Man hosted by Richard Ayoade on Hulu. I'll also watch Gadget Man at some point too.
by fizxman
Wed Jul 01, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: New Job Offer
Replies: 19
Views: 1734

Re: New Job Offer

1. Both 3% a year and none this year are/is going to be typical I believe. 2. I would use the PTO days first since they don't carry over. Then I would sprinkle in a mental health sick day in hear and there, perhaps once or twice a quarter. Then I would use my three weeks of vacation for vacation. Yo...
by fizxman
Tue Jun 30, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3687

Re: Job candidate sending messages via LinkedIn

My three opinions: 1. If someone applies to a job but doesn't make it to an interview, a generic response from HR or the hiring manager saying something like, "we looked at your stuff and decided not to move forward with you" is good enough. Explaining why would be better but not necessary in this c...
by fizxman
Tue Jun 30, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3687

Re: Job candidate sending messages via LinkedIn

:confused You're trolling right? So you're hiring and you get 100+ applicants in a week (this is my normal), you are supposed to send out 100+ responses, even though 90 of the applications are filtered out from HR because they don't meet basic qualifications and you never even see them, and another...
by fizxman
Tue Jun 30, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3687

Re: Job candidate sending messages via LinkedIn

Agreed that this is a horrible, but unfortunately common practice. In my field, standard interviews are an all-day affair. One would think that it is simply common courtesy to fire off a simple "thanks, but we went with another candidate" letter to those that interviewed in person. For some reason,...
by fizxman
Tue Jun 30, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3687

Re: Job candidate sending messages via LinkedIn

Folks, What goes around, comes around. It is what you choose to do when you do not have to that defines you. KlangFool Have you ever been in this position, where you are interviewing a lot of people and you get these messages/email/calls regularly? I bet you would feel differently if you were the o...
by fizxman
Sat Jun 13, 2020 6:10 pm
Forum: Personal Investments
Topic: Employee Stock Purchase Plan (ESPP) - 20% Discount, 5 Year Holding Period
Replies: 21
Views: 1357

Re: Employee Stock Purchase Plan (ESPP) - 20% Discount, 5 Year Holding Period

If it were me, I might buy a little bit but I certainly wouldn't make it a significant portion of my AA, 1-2% or so at most.
by fizxman
Fri Jun 12, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Deck railings
Replies: 26
Views: 2156

Re: Deck railings

You can purchase pre-made sections at Lowes. A six foot wide section is about $40. https://www.lowes.com/pd/Severe-Weather-Assembled-6-ft-x-2-71-ft-Pressure-Treated-Southern-Pine-with-Balusters/1000574053 But if you are handy, you can build railings yourself. And since the pre-made sections at Lowe...
by fizxman
Thu May 28, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7948

Re: NJ property taxes too high. What are my alternative states?

According to the article below from December 2019, Delaware was ranked as the second-best state for taxes. Maryland was 38th, Pennsylvania was 47th, and New Jersey was 49th.

https://howmuch.net/articles/americas-tax-landscape
by fizxman
Wed May 27, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: Installing window AC without accordion side panel
Replies: 17
Views: 1236

Re: Installing window AC without accordion side panel

If you can find one with fewer BTUs, you can go with one like this.

https://www.homedepot.com/p/Arctic-King ... /302110825
by fizxman
Wed May 27, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 27
Views: 2624

Re: Large Canceled Check - Stop payment + Close Account

If you didn't mail them a new check yet, tell them it's their problem. You did what they told you to do so they can go through the work to get their money. If you did mail the check, in writing, get them to accept responsibility and that they will cover any issues, fees, penalties, etc. in perpetuit...
by fizxman
Wed May 13, 2020 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Leave H&R Block for Turbo Tax or what other software
Replies: 32
Views: 1770

Re: Leave H&R Block for Turbo Tax or what other software

If you haven't yet, sign up for Credit Karma and do it for free with them. There are things Credit Karma can't do, I don't remember what they are because they didn't affect me, but if your taxes are simple Credit Karma should be okay. I used them for the first time this year and while it's not quite...
by fizxman
Tue May 12, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Planning for Layoff: Communicate my status?
Replies: 22
Views: 2426

Re: Planning for Layoff: Communicate my status?

Yes, contact them. The same thing may be happening over there or there may be an upcoming opening that you could fill. If you're worried about your employer, contact the former coworkers via personal cell phones, emails, or LinkedIn. You and your former coworkers all still work for the company so I ...
by fizxman
Fri May 08, 2020 9:12 am
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 3031

Re: Thank you, moderators!

:sharebeer Cheers to the moderators!
by fizxman
Fri May 08, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4252

Re: New Brake Pads

If you've never changed brake pads and/or rotors, see if you can find someone who has to help you. I had never done it before because I didn't really know what was involved and I didn't want to mess up. These are the things that stop the car so messing up can be really bad. I had my father-in-law he...
by fizxman
Tue Apr 28, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire 7" Tablet - Ninth Generation
Replies: 18
Views: 1196

Re: Amazon Fire 7" Tablet - Ninth Generation

I love my Kindle. I'm on my third one currently and haven't had any issues. I just upgraded a few times for new hardware. If you plan on keeping it, just remember what it's geared for and don't expect it to run like an iPad or touchscreen laptop. The reason they are so cheap is that they don't use ...
by fizxman
Tue Apr 28, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire 7" Tablet - Ninth Generation
Replies: 18
Views: 1196

Re: Amazon Fire 7" Tablet - Ninth Generation

I love my Kindle. I'm on my third one currently and haven't had any issues. I just upgraded a few times for new hardware. If you plan on keeping it, just remember what it's geared for and don't expect it to run like an iPad or touchscreen laptop. The reason they are so cheap is that they don't use h...
by fizxman
Sun Apr 26, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: iPhone for Grandparents
Replies: 25
Views: 1611

Re: iPhone for Grandparents

Why not ask them and get their opinion. Do they currently have a smartphone? Is the size of that phone to their liking? If they have an Android phone, will they be able to easily make the switch to an iPhone? If it's just to Facetime, could you use an alternative like Zoom instead?
by fizxman
Sat Apr 25, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 3996

Re: Amazing shopping deals now

Everything on my wish list has remained at the same price during the pandemic. I think they are banking on people not going out and therefore forced order things online so they don't need to put items on sale.
by fizxman
Thu Apr 23, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Zoom meetings
Replies: 39
Views: 3181

Re: Zoom meetings

go_mets wrote:
Thu Apr 23, 2020 10:29 am
I also need to figure out whether my laptop has the ability to output audio on HDMI.
HDMI can handle audio. You may need to play with the audio settings on the laptop to get it working properly though.
by fizxman
Tue Apr 21, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Renewal by Anderson window prices
Replies: 39
Views: 3733

Re: Renewal by Anderson window prices

Renewal by Anderson windows are notorious for high prices and high pressure selling. You might want to search on the Personal Consumer Issues sub-forum for threads on replacement windows in general. I got a quote for a sliding glass door from Renewal by Anderson and a local company. Renewal wanted ...
by fizxman
Sun Apr 19, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6269

Re: How to negotiate severance if laid off?

I imagine you can only negotiate if you have some type of leverage. If you don't have any leverage, how does one negotiate?
by fizxman
Fri Apr 17, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off - COBRA vs. Healthcare Exchange
Replies: 12
Views: 1674

Re: Laid Off - COBRA vs. Healthcare Exchange

When I got laid off last year, I remained on my former employer's health insurance, like I was a regular employee, until my severance was up. Afterward, I had the choice between ACA or COBRA but I went on COBRA for a month until my new employer's insurance kicked in. You seem to be in the same predi...
by fizxman
Sat Apr 11, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 102
Views: 7140

Re: [Auto insurance companies issuing refunds due to coronavirus]

Progressive is crediting 20% on April and May premiums. "Subject to approval by state regulators, Progressive personal auto customers who have a policy in force as of April 30th will be credited 20% of their April premiums in May and personal auto customers with a policy in force as of May 31st will...
by fizxman
Thu Apr 02, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5668

Re: Replacing Cable TV with Streaming: Critical Analysis

CBS All Access has all of the Star Trek series. They are still running the free month deal until 4/23 if you use the promo code "ALL". I just checked the website. I will say, their streaming capabilities leave much to be desired but free is free. https://www.cbs.com/all-access/ A quick Google search...
by fizxman
Thu Mar 19, 2020 6:58 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53404

Re: How Is Your Job Being Impacted By The Current Crisis?

I work as an application engineer for a Chinese company. I work from home normally so there's no day-to-day change but all travel as stopped. For me, there was more of an impact the week of Chinese New Year and the week after when China was shutdown than there is now. My daily interactions with my c...
by fizxman
Mon Mar 16, 2020 8:22 pm
Forum: Personal Investments
Topic: Dow down about 31.5% from highs
Replies: 22
Views: 2777

Re: Dow down about 31.5% from highs

jpmorganfunds wrote:
Mon Mar 16, 2020 4:26 pm
Another 20% - 30% to go.
At this rate, it'll be over by the end of the week.
by fizxman
Sun Mar 15, 2020 10:05 am
Forum: Personal Investments
Topic: My dad says I should pull out of the market before "they" steal it all
Replies: 113
Views: 8318

Re: My dad says I should pull out of the market before "they" steal it all

I've heard all those buy and hold long run stuff for a while, but never could see how staying in during a 20-40% drop made financial sense over just stepping aside a few weeks/months to see how things develop. You are correct. If a person knows 100% that the market is going to drop 20-40%, it's mak...
by fizxman
Thu Mar 12, 2020 1:55 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26668

Re: Who is staying course and how are you dealing with net worth going down?

I'm buying as much as I can. The only thing I'm worried about is where to get more cash to buy more if the markets drop another 5-10%.
by fizxman
Mon Mar 09, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Why I should cancel our trip to Tokyo next month.
Replies: 26
Views: 2218

Re: Why I should cancel our trip to Tokyo next month.

I'd be more worried about getting stuck somewhere than I would be about getting sick.
by fizxman
Fri Feb 14, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28117

Re: Protection Against Home Intruders

We have two Nest cameras, both inside our ranch house. One camera is pointed in such a way it can see the front door, side door, and down the hallway towards the back of the house where we have a sliding glass door. As soon as the person exits the room with the sliding door, they'd be on camera. The...
by fizxman
Mon Feb 10, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20393

Re: What is your most luxury/expensive hobby.

Luckily for me, I get to travel to nice places for work so my travel is highly subsidized. So while travel is on my list, it's not nearly as bad as it would have been if DW and I paid for it all on our own. So our expensive hobby is snowmobiling. Two sleds, trailer, helmets, snow gear, oil, ethanol-...
by fizxman
Mon Feb 10, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Internet and basic tv options?
Replies: 44
Views: 3348

Re: Internet and basic tv options?

I have Fios and my bill was $105/month for 50/50 Mbps. I talked with Verizon via their online chat option about lowering my bill and what options I have. They offered me Gigabit speeds for about the same price I was paying but that's overkill for my house. I settled on 100/100 Mbps for about $65/mon...
by fizxman
Thu Feb 06, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Physician assistant salary?
Replies: 39
Views: 7679

Re: Physician assistant salary?

gasdoc wrote:
Wed Feb 05, 2020 8:00 pm
I'll just add that a PA in anesthesia in our practice starts at $140k base, and makes about $200K if they take a normal amount of night and weekend call.

gasdoc
I was going to say to look into anesthesia. Check out their salaries on https://www.gaswork.com/, they make a lot!
by fizxman
Thu Feb 06, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Verizon Fios AutoPay Bad Idea?
Replies: 51
Views: 3523

Re: Verizon Fios AutoPay Bad Idea?

I've had Fios for almost 8 years at my current house and I've had to deal with customer service a few times over the years and never had any issues with them or autopay. I've actually had one of the best customer service experiences with Verizon. The lady on the phone went over things very thoroughl...
by fizxman
Wed Feb 05, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Rewards Visa Signature Card - Approval Issues
Replies: 11
Views: 885

Re: Amazon Prime Rewards Visa Signature Card - Approval Issues

The only time I got something like this is when I applied for a Chase card while I had my credit frozen. I then called and asked which agency they used and lifted that freeze for 24 hours so they could do the check. I then got the card a few days later. Do you have your credit frozen with Experian a...
by fizxman
Mon Feb 03, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37748

Re: What video games are you currently playing?

World of Warcraft: Classic and Overwatch.