Search found 330 matches

by fizxman
Fri Apr 16, 2021 5:57 pm
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1264

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

We have one currently and the only issue we had was when the pump died, the tank got full, backed up into the bathroom via the wax ring, and made a mess everywhere. So as long as you keep an eye on things it should be fine. The other issue was that I bought the replacement pump that Google said to g...
by fizxman
Sat Apr 10, 2021 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Laid off advice
Replies: 31
Views: 2485

Re: Laid off advice

First off, I'm not a lawyer but I've been laid off before while living in PA. If you and/or your dad think there's foul play here, your dad as seven days after signing the agreement to change his mind, and if he hasn't signed it yet, he has even more time. So if you and your dad feel the need to tal...
by fizxman
Sat Mar 27, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3922

Re: exipred / obsolete propane jugs

My local Ace Hardware took my expired one for free because the owner knows someone who will take it apart and sell it for scrap.
by fizxman
Thu Mar 25, 2021 10:10 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax update unemployment
Replies: 25
Views: 1901

Re: TurboTax update unemployment

As a point of reference, Credit Karma updated it last week and I didn't have to re-input anything. I just logged in and saw that my refund amount increased. I filed everything last Saturday. This is the second year I've used Credit Karma to file taxes and I can confirm it's 100% free for both federa...
by fizxman
Wed Mar 24, 2021 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Non-compete agreements: Competitors vs. Technology
Replies: 35
Views: 1564

Re: Non-compete agreements: Competitors vs. Technology

I had a non compete. Another company offered to hire me. I let them know about the contract/ non compete. They decided to wait until the non compete had expired. My understanding is that some type of financial consideration has to be paid in order for it to be enforceable. In my case the company ag...
by fizxman
Wed Mar 24, 2021 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Non-compete agreements: Competitors vs. Technology
Replies: 35
Views: 1564

Re: Non-compete agreements: Competitors vs. Technology

The part I struggle to understand is how enforceable a non-compete clause would be when applied to companies that really are not current competitors or even planned future competitors, but instead use similar technology to go after different markets. What your employer may have stronger grounds to ...
by fizxman
Wed Mar 24, 2021 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Non-compete agreements: Competitors vs. Technology
Replies: 35
Views: 1564

Re: Non-compete agreements: Competitors vs. Technology

I have a general question regarding the enforceability of broad non-compete agreements. Let’s say I work for a company that makes autonomous trucks that work in mines to haul away huge rocks. The non-compete agreement I signed upon joining the company includes a clause that would prohibit me from w...
by fizxman
Fri Mar 19, 2021 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: House buying negotiations
Replies: 122
Views: 9765

Re: House buying negotiations

Why would someone with offers above the asking price be contacting someone whose offer is below the asking price? Seems like they are either lying and are trying to get you to bid against yourself or they are using you to get others to up their offers. Add in that your situation has changed, I'd be ...
by fizxman
Wed Mar 10, 2021 8:51 am
Forum: Personal Finance (Not Investing)
Topic: HSA through my job is so confusing.
Replies: 10
Views: 1061

Re: HSA through my job is so confusing.

[/quote] your example HSA plan has a lower deductible which is uncommon. So if you will use more than the $2,500 deductible, you will be making out with the HSA plan. Also factor in the deductibility of your HSA contributions. At 22% bracket, a family contribution of $7,200 will save you $1,584. In ...
by fizxman
Wed Mar 03, 2021 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Moving from HealthEquity to Fidelity HSA
Replies: 23
Views: 1460

Re: Moving from HealthEquity to Fidelity HSA

When I closed my account at HeathEquity on 12/27/2019 and rolled it over to my new employer's HSA, Optum Bank, I received an account closure form and it says "Account Closure Fee - $0.00. I've since left that job and I rolled over my Optum Bank HSA to Fidelity HSA. Moving from one HSA to anothe...
by fizxman
Fri Jan 15, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Tried opening Fidelity HSA - website errored out!
Replies: 10
Views: 826

Re: Tried opening Fidelity HSA - website errored out!

If I were a boomer techie (which I am by the way) I would have called them and or tried the recover process. I doubt they had staffed phone lines in the wee hours of the morning! I also decided to wait to see if another email arrives. My real question is do Fidelity HSA accounts have a nine digit a...
by fizxman
Thu Jan 14, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: HBO Max Issues?
Replies: 31
Views: 2556

Re: HBO Max Issues?

I've had no issues streaming HBO Max via a web browser, Fire Stick, or casting from a phone to Chromecast.
by fizxman
Wed Dec 30, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 222
Views: 16887

Re: So what kind of raise did you guys get for 2021?

For 2020, I had a 65% decrease to a 326% increase. Employed to unemployment insurance to the highest paying job in my life. I started this new job in early December so I won't be getting a raise in 2021 but I'll just think of it as getting a raise a month early.
by fizxman
Tue Dec 29, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: how do you start your day?
Replies: 20
Views: 1382

Re: how do you start your day?

I started a new routine yesterday so we'll see how this goes. 1. Sunrise alarm on phone starts at 5:00 am and the alarm will sound at 5:15 am. 2. Get out of bed by 5:30 am and change to exercise clothes. 3. Exercise (elliptical machine) for 20 minutes. 4. Will eventually exercise for another 30-45 m...
by fizxman
Tue Dec 29, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating auto insurance premium: doable?
Replies: 7
Views: 426

Re: Negotiating auto insurance premium: doable?

You're probably better off getting quotes from other insurance agencies to get a better rate. Probably the same amount of work but with a better chance of success. If you have AAA you can use them as a broker and let them do all the legwork for you.
by fizxman
Tue Dec 29, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Chains needed?
Replies: 63
Views: 3744

Re: Chains needed?

I'm getting chains for my F150. A week ago a friend got stuck pulling his 4-up snowmobile trailer, with his F250, up and out of his driveway in about 6-8" of snow. I came over and attempted to pull his truck and trailer with my truck. That didn't work. We dropped his trailer and proceeded to st...
by fizxman
Sat Dec 26, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Continental Tires
Replies: 24
Views: 1845

Re: Continental Tires

I've only ever bought Continental tires when the time came to buy new tires.
by fizxman
Fri Dec 18, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: Waste collection (trash) prices
Replies: 56
Views: 2414

Re: Waste collection (trash) prices

For 2021 it'll be $58/quarter. It includes unlimited trash/recycling, one bulk item/week, and yard waste collection once a month April through October.
by fizxman
Mon Dec 14, 2020 5:52 pm
Forum: Personal Investments
Topic: Does employer payroll system ensure my 401k contribution does not exceed $19,500 max?
Replies: 37
Views: 2414

Re: Does employer payroll system ensure my 401k contribution does not exceed $19,500 max?

I don't understand why these companies don't switch from a whole percentage of a paycheck to an actual dollar amount per paycheck for these contributions. If I make $65,784/year and I want to max out my 401k, I need to contribute 29.64...% in order to hit $19,500. But what about if I get promoted or...
by fizxman
Tue Dec 08, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Warm coat recommendations
Replies: 93
Views: 5133

Re: Warm coat recommendations

Look at snowmobile jackets. Not only do they need to keep people warm at low temperatures but also with 50+ mph winds.
by fizxman
Tue Nov 24, 2020 1:11 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 16854

Re: Silliest Investment Mistakes?

In September of 2011, I bought a 1/4 oz gold coin and 5 oz silver bar for what amounted to be about $2,100/oz and $47/oz respectively. Today gold is about $1,800/oz and silver is about $23/oz. In May of 2018, I bought $500 worth of crypto which is now worth about $434. Your worst investment is losi...
by fizxman
Tue Nov 24, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 16854

Re: Silliest Investment Mistakes?

In September of 2011, I bought a 1/4 oz gold coin and 5 oz silver bar for what amounted to be about $2,100/oz and $47/oz respectively. Today gold is about $1,800/oz and silver is about $23/oz.

In May of 2018, I bought $500 worth of crypto which is now worth about $434.
by fizxman
Thu Nov 19, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Theft of catalytic converter ("autocatalyst") ?
Replies: 64
Views: 4393

Re: Theft of catalytic converter ("autocatalyst") ?

When I was working right next to a major highway (rt128) outside of Boston, our building management sent warnings not to park near the street. We had huge parking lots. There were no "gangs", but a guy with a battery sawzall. They'd get cats from SUVs as there's no lifting required....jus...
by fizxman
Tue Nov 17, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?
Replies: 124
Views: 7022

Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

About 8% and 23% respectively. I don't include equity or home value in my net worth so if I did those percentages would be a little less.
by fizxman
Thu Nov 12, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter ready to buy car on her own. Decent fico, not long history, pre-approval rate is high.
Replies: 65
Views: 3512

Re: Daughter ready to buy car on her own. Decent fico, not long history, pre-approval rate is high.

My son graduated this past May and started his ft job in July. Similar background to your daughter, except he's an authorized user on 2 of my credit cards, so his fico is 750. I cosigned to get a better rate with DCU on a $22k car (2004). He's paying around 2.25%. For you.....make DD an authorized ...
by fizxman
Fri Oct 30, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Solenoid Valve Price Variances
Replies: 6
Views: 355

Re: Solenoid Valve Price Variances

I bought one from the local plumbing supply store for like $100. I then went on Amazon and saw one for $34. I returned the first one and bought the one on Amazon. There was no difference between the two. If the plumbing supply store would have been close to Amazon, less than $50, I would have kept i...
by fizxman
Thu Oct 29, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Harbor Freight Good Values?
Replies: 88
Views: 5303

Re: Harbor Freight Good Values?

I've used the hell out of a pair of 4.5" angle grinders with good luck. I've also used the $30 (after coupon) 130 piece mechanics toolset. I keep it under the back seat of my truck. There are so many things I've bought at Harbor Freight over the years, it's impossible to list them all. My think...
by fizxman
Wed Oct 28, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: Drinking water at home
Replies: 72
Views: 4753

Re: Drinking water at home

I always just drink tap water. I have learned that my taste adjusts to the taste of the water. It takes time, but I adjust. I have been places with absolutely horrible water. I recommend that you just keep drinking the tap water and wait for your taste to adjust. This assumes the water is safe to d...
by fizxman
Thu Sep 24, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Air fryers
Replies: 26
Views: 3344

Re: Air fryers

We mostly use ours for reheating things that were (a) crispy when you initially ate them and (b) don't get crispy when you reheat them in an oven or microwave. French fries are the best example. My wife has also boiled perogies then put them in the air fryer for a few minutes to make them crispy lik...
by fizxman
Fri Sep 18, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Online Resources for Learning Physics (AP Physics / High School)
Replies: 14
Views: 1009

Re: Online Resources for Learning Physics (AP Physics / High School)

YouTube probably has 100s of physics channels. Go there, type in the topic being covered and see what pops up. Watch the video and if you like it, subscribe to it. Here are two that I've subscribed to. The second one has really good animations that help me understand things since I'm a visual learne...
by fizxman
Fri Aug 21, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: move from Microsoft Office to Libre Office - any advantages or disadvantages for those that have done so?
Replies: 45
Views: 3573

Re: move from Microsoft Office to Libre Office - any advantages or disadvantages for those that have done so?

When saving as a .docx file, you get this warning, "This document may contain formatting or content that cannot be saved in the currently selected file format “Word 2007–365”." I'm not sure I've ever noticed any problems but that may just be me.
by fizxman
Fri Aug 21, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Tires recommendations?
Replies: 61
Views: 4540

Re: Tires recommendations?

Norsky19 wrote: Fri Aug 21, 2020 2:09 am Blizzak. Have them on all my vehicles. Amazing stopping power on ice.
These are what I had my Suburu Outback when I still had it and like them as well.
by fizxman
Thu Aug 20, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Tires recommendations?
Replies: 61
Views: 4540

Re: Tires recommendations?

jcpct wrote: Thu Aug 20, 2020 2:34 pm I'll second using Tire Rack reviews.
Third
by fizxman
Wed Aug 19, 2020 6:52 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4852

Re: Approach to "News" Consumption

dcabler wrote: Wed Aug 19, 2020 6:37 am This site might be a good start:

https://www.adfontesmedia.com/
I had seen this too. So now when I open Chrome, two of my home page tabs are set to AP and Reuters. I also have both of their apps on my phone.
by fizxman
Sat Aug 15, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7340

Re: new car purchase: any reason NOT to do 0% financing

Run the numbers and see what's best. 1) Get a good cash price. 2) Finance @ 0%. 3) Finance at some higher rate, get certain rebates that you'd otherwise not get when paying cash or financing at 0%, pay off in the first month. I did #3 when I bought my truck about 18 months ago. I got an extra $500 r...
by fizxman
Tue Aug 04, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA and Possible Break in Coverage
Replies: 13
Views: 943

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 tickin...
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: 1586

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: 1586

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: 2970

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: 2288

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: 71
Views: 4758

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: 2293

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 ow...
by fizxman
Wed Jul 29, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5719

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: 9545

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: 4072

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 "m...
by fizxman
Wed Jul 22, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 4072

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: 674

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 ...
by fizxman
Fri Jul 17, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2758
Views: 274664

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.