Search found 341 matches

by FreemanB
Thu May 13, 2021 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Seller wants to back out contract
Replies: 46
Views: 5278

Re: Seller wants to back out contract

This is actually the opposite of my understanding of the situation. Real estate contracts are different than all other contracts because the item being transferred is so unique and irreplaceable. Each lot, each house, each location is specific to that real estate property therefore the cost to find...
by FreemanB
Wed May 12, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Seller wants to back out contract
Replies: 46
Views: 5278

Re: Seller wants to back out contract

It may be worth talking to an attorney. A good one should be able to tell you about whether the contractual remedy of specific performance applies to your contract, what the process would be to seek such a remedy, and other alternatives. Some of your options may include: -Allow the seller to walk a...
by FreemanB
Fri Jan 22, 2021 5:53 pm
Forum: Personal Consumer Issues
Topic: Clarifying feature of Chromecast (or other TV Interface)
Replies: 13
Views: 843

Re: Clarifying feature of Chromecast (or other TV Interface)

Most of the limitations mentioned above don't exist on the Chromecast with Google TV. It has a remote, so it can function without any other device, and an easy-to-use interface for searching/playing content. It currently supports all major streaming services except for Apple TV Plus, and that's comi...
by FreemanB
Fri Jan 22, 2021 3:55 pm
Forum: Personal Consumer Issues
Topic: Clarifying feature of Chromecast (or other TV Interface)
Replies: 13
Views: 843

Re: Clarifying feature of Chromecast (or other TV Interface)

I seek an interface for a non-smart TV to enable a convenient interface for web-based video services. I had trouble verifying that all of the following were available with Chromecast (3rd generation). (1) user interface allowing a smartphone keyboard to be used for control and search queries etc.? ...
by FreemanB
Tue Nov 24, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Can I Get A Refund From Amazon After A Price Drop
Replies: 28
Views: 2450

Re: Can I Get A Refund From Amazon After A Price Drop

For those that have done this, are you saying that you return the second item in its original unopened packaging, and you get refunded for the price of the first item? Don't they know that you are returning #2 and not #1 based on the info on the package? Usually only expensive electronics(cell phon...
by FreemanB
Tue Nov 10, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Must See Places in Southern France?
Replies: 40
Views: 2226

Re: Must See Places in Southern France?

After a last minute weather-related cruise port change to Marseilles, our Adventures By Disney tour guides took us to the Carrières de Lumières, or Quarries of Lights. It is amazing to see, yet not as well known, so there wasn't any crowding at all.(Especially compared to the more famous European to...
by FreemanB
Mon Nov 09, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3899

Re: Should I buy new Nissan Leaf?

My EV gets 4 miles from a KWH of electricity. I pay 12 cents/KWH, so I spend 3 cents/mile. So $30/month if you drive 1000 miles per month. I did the math on my Leaf after purchasing it last year, and I calculated the electricity cost was roughly $3 per 100 miles, so same as yours. After around 16 m...
by FreemanB
Fri Oct 09, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: 401K Deferral Error by my company - Dispute regarding corrective action
Replies: 10
Views: 553

Re: 401K Deferral Error by my company - Dispute regarding corrective action

About $7,250 of deferrals should have gone into my 401K and didn't. I'm putting in 1/3 of my paycheck for the rest of the year to minimize the damage of my taxable income being higher. (Which I'd rather not do) Plus the growth of that $7,250 invested between January and September. (Haven't done tha...
by FreemanB
Thu Oct 08, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20974

Re: Is programming still a valuable skill to learn?

Multi-threaded race conditions might not be rocket science or brain surgery because rocket science and brain surgery don't allow for the fault conditions that inevitably occur when engineers make threading mistakes. If I had to pick a single litmus test for whether a software developer was excellen...
by FreemanB
Wed Sep 16, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 16003

Re: charging an EV

Tip: for the very few times I’ve wanted to stretch the Tesla range in cold weather, I turned off cabin heat and warmed my seat and the steering wheel. I don’t know if that’s an option on a Leaf (which also has a smaller cabin). My understanding is that the newer Tesla designs use a heat pump for he...
by FreemanB
Mon Aug 31, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7676

Re: So, I was playing Pickleball and Amazon sent me an offer

I'll also throw out my own cautionary tale: If you've recently searched for lingerie for your wife online, be very careful opening pages with ads at work :shock: And how about if you have searched for lingerie for someone other than your wife? :twisted: Then be careful opening pages with ads at hom...
by FreemanB
Mon Aug 31, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7676

Re: So, I was playing Pickleball and Amazon sent me an offer

I've heard the same stories, but I've always found the non-nefarious explanations to be much more believable and likely.(I work in software development and draw my conclusions from my own experiences) I'll also throw out my own cautionary tale: If you've recently searched for lingerie for your wife ...
by FreemanB
Thu Jul 09, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 39
Views: 2992

Re: Need advice for raspberry pi

I'd start with just the first kit. It will require a minor amount of assembly, then a decent amount of initial software setup.(You'll still need a monitor, mouse, and keyboard as well.) Once it is set up and running, then you can decide on what projects would be good and if more hardware is required...
by FreemanB
Wed Jul 08, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: safety thing for stairs?
Replies: 42
Views: 2696

Re: safety thing for stairs?

Unless the cat has some medical condition that makes him more likely to be injured in a fall, I wouldn't bother with any safety precautions. If a cat likes to climb(And most do, from my experience), they will find anywhere and everywhere they possibly can to do so. Falling off the bed isn't an issue...
by FreemanB
Fri Jun 05, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 27
Views: 1534

Re: Do I need life insurance?

My salary is the lower of the two. Either of our incomes can support our household. It wouldn’t be as lavish but it would still be more than enough. There's also a difference between only needing one income to support the household and being able to maintain the same lifestyle should one of you die...
by FreemanB
Thu Jun 04, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Small antenna to pull in local channels?
Replies: 31
Views: 1748

Re: Small antenna to pull in local channels?

I wanted to see what local stations I could get(I'm in NOVA, about 10 miles out from DC) while pondering cutting the cord. I had an FM antenna wire that had come with an AV receiver, pretty much identical to this: https://www.amazon.com/Fancasee-FM-Antenna-Coaxial-Receiver/dp/B074QLLVC6 I hooked it ...
by FreemanB
Wed Jun 03, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Any 529 abusers here ?
Replies: 38
Views: 5351

Re: Any 529 abusers here ?

I live in SC and have paid in the SC 529 plan for 17 years. The state tax deduction is still available. I'm not sure that's abuse. It's a selling feature for the FutureScholar 529 fund to use when selling to SC residents. That's why I quoted "abuse", since it isn't technically, it just fe...
by FreemanB
Wed Jun 03, 2020 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Any 529 abusers here ?
Replies: 38
Views: 5351

Re: Any 529 abusers here ?

My wife and I "abused" a 529 plan years ago, all legal though. In South Carolina in the early 00's, you got a tax break for contributing to a 529 plan, with no clawback restrictions. We were young, I had just gotten out of the military, and I was going to school full time finishing up my u...
by FreemanB
Tue Jun 02, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 37
Views: 2338

Re: Anyone Install MOCA for fios speed?

If you stay with the coax your max speed will be limited to about 75-100MBps and no Moca adapters will be able to overcome that limitation. If that speed is sufficient for you, then a couple of Moca adapters is a good solution. First, did you mean MBps or Mbps?(Very big difference) Second, if he ha...
by FreemanB
Tue Jun 02, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 37
Views: 2338

Re: Anyone Install MOCA for fios speed?

No offense intended, if after reading this whole thread and all the advice you still do not understand how the system is setup and will be working, maybe it would be worth $100 to pay a contract IT person to install it for you (plus equipment, which you're already planning to pay), and then leave y...
by FreemanB
Tue Jun 02, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 37
Views: 2338

Re: Anyone Install MOCA for fios speed?

Thanks for the info! One question, beside the adapters, it is my understanding I will need a POE coax at the router line, is that correct? You just need your FIOS router connected to your home's coax wiring, that's it. It acts as the MOCA POE already, nothing additional required. Then you just plug...
by FreemanB
Tue Jun 02, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 37
Views: 2338

Re: Anyone Install MOCA for fios speed?

I was going To buy these for the two set top boxes and connect to the tv: https://www.bestbuy.com/site/actiontec-bonded-moca-2-0-wired-network-adapter-2-pack/6286329.p?skuId=6286329&ref=212&loc=1&ref=212&loc=1&ds_rl=1268652&gclid=EAIaIQobChMIxrzYuqrj6QIVjcDACh36jA5DEAQYASABE...
by FreemanB
Thu May 28, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 30
Views: 2263

Re: Robot vacuums

Has anyone with rugs with large areas of black perimeter trim or with patterns incorporating large black squares, had issues with their robotic vacuum refusing to cross such surfaces? I have read that most, if not all, robotic vacuums use infrared sensors to detect stairs and that such sensors inte...
by FreemanB
Thu May 28, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Mother's or Father's Insurance for Newborn
Replies: 19
Views: 1101

Re: Mother's or Father's Insurance for Newborn

Bambino is required to be on Mother's insurance for the first 30 days. If we decide to add him to Father's plan, the effective date would be 30 days after birth. Did you get this from all of them? I've never heard of newborn insurance working like this. Everything I've ever seen or heard states tha...
by FreemanB
Fri May 08, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 6428

Re: 529: Your favorite low cost one?

In Virginia if it is 1 Account - All $$ would be in a single fund for example Total US or Total International or LifeStrategy Aggressive Growth... If it is in a Life Strategy fund it would be re-balanced automatically. Is it possible to break up a 529 into multiple accounts? I think you can have as...
by FreemanB
Fri Mar 13, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3660

Re: Fly or Drive to FL?

I would fly in a heartbeat, but I also hate long drives, particularly when heavy traffic is involved. My family is flying down to visit my parents in south Alabama in a few weeks, and I didn't even consider driving. It would have been at least 16 hours straight through, and that doesn't even take in...
by FreemanB
Wed Mar 11, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1762
Views: 166545

Re: My LenderFi refinance is going well

I don't seem to be having the same experience as most others here. I applied for a refinance on Feb 27th and got the automated "Conditional Approval", but no lock and no other response. That evening, I uploaded all of the documents required. Later the next day, I got the email others have ...
by FreemanB
Fri Feb 14, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing
Replies: 9
Views: 691

Re: Refinancing

What would be the effect if you kept paying the $2700 you are paying now? That's where refinancing will really save you money.
by FreemanB
Thu Feb 13, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5657

Re: Thoughts on buying cheap, used, short range EV

All the talk about the Leaf battery problems reminds me of all the FUD around Prius batteries when they first started getting popular 10+ years ago.(Batteries won't last, they will be expensive to replace, etc) I bought a 2019 Leaf last summer to use primarily as my commuting vehicle in Northern Vir...
by FreemanB
Tue Feb 11, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 21388

Re: What is your most luxury/expensive hobby.

Oustanding, Marty! DW and I talked about testing the waters a bit just last night. We have never been on a cruise. jim :happy I love cruises, but as with everything, you get what you pay for. I would steer clear of the "party" cruises. After my wife's first cruise on a Carnival ship, she ...
by FreemanB
Tue Feb 11, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 21388

Re: What is your most luxury/expensive hobby.

For the family: Disney. Usually at least two trips a year(Although I'm fully on board for the Food and Wine Festival), usually with a decent amount of add-ons. Travel: Aside from the Disney trips, we usually also have 2-3 other trips throughout the year, usually at least one being an international t...
by FreemanB
Wed Feb 05, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 12040

Re: Would you drive without a spare tire?

Neither my nor my wife's vehicles have spare tires. In the past 20+ years, I've only had flat tires twice. The first time, the lock nut on the wheel broke, requiring the car to be towed to a service station where it could be basically chiseled off.(We had a spare tire, but it was useless in this sit...
by FreemanB
Tue Jan 07, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Using 401k funds to pay off debt?
Replies: 33
Views: 2104

Re: Using 401k funds to pay off debt?

First, have you really gotten your spending under control? You've said repeatedly you don't really know how this happened, so I think your first step should be to really examine how you got here. Otherwise, you may end up just treating symptoms instead of the real problem. As for fixing the debt pro...
by FreemanB
Fri Jan 03, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: DOS batch file and FFMPEG question
Replies: 14
Views: 589

Re: DOS batch file and FFMPEG question

Can you tell us what the error message is? No idea if I can help, but that would be the first thing I'd look at.
by FreemanB
Tue Dec 31, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 54
Views: 7515

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

For those of you who have swapped FIOS contracts back and forth with another family member, have you been able to retain your phone number as you switch back and forth? No, you can't keep your old number. What my wife and I did when we started switching back and forth was get a Google Voice number ...
by FreemanB
Thu Dec 19, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Problem changing Fios router password
Replies: 13
Views: 1447

Re: Problem changing Fios router password

Because the router is using a certificate that wasn't signed by a known authority, your browser is essentially saying that it can't verify that the server you are connecting to is who it is says it is. When you are connecting to an internet web site, this is a red flag. However, in this case, the IP...
by FreemanB
Fri Dec 13, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 34
Views: 4353

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

Do systems like simplisafe use wifi? That would be easy to disable from outside at my place. My Simplisafe equipment is a few years old now, but it doesn't connect to my Wifi network at all. Everything either runs on battery or has a battery backup and communicates with the monitoring company throu...
by FreemanB
Wed Nov 06, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Do wool dryer balls work?
Replies: 14
Views: 1468

Re: Do wool dryer balls work?

My wife bought some a few months ago. I think they work fine, since I haven't really noticed any difference, either when doing laundry or in the clothes afterwards.
by FreemanB
Tue Nov 05, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 2430

Re: Electric shavers - foil vs rotary

I've used both types in the past(With mixed results), but I've been using a Braun Series 7 for close to ten years now. I did the same research as you at the time, and it was the most highly recommended model at the time, and based on Amazon's ratings, appears to still be a popular choice. It works w...
by FreemanB
Tue Oct 22, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Child Insurance Policies - Maintain or ?
Replies: 22
Views: 1418

Re: Child Insurance Policies - Maintain or ?

I have something like a $5k life insurance policy on my child, which costs something like $.50 a month. If it wasn't cheap and easily available through work, I wouldn't have even that. Children don't need large insurance policies, their parents do. Drop it and put towards college savings.
by FreemanB
Tue Oct 22, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13982

Re: Ok to go without health insurance?

Worst case scenario: In case need arises, will have to purchase health insurance at a short notice. Can do it any time of the year and will not have to wait until open enrollment as will be purchasing through corporation. This isn't the worst case, because you assume you are still physically and me...
by FreemanB
Fri Oct 11, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 56
Views: 5834

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

From my experience, the buyer would usually require an invoice or some other documented proof that the expected work was professionally done for any major repairs. In that case, there would be paperwork to back up any claims that the repair was not properly done if defects are discovered after closi...
by FreemanB
Tue Oct 08, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance-Extra Hard Pull Worth It?
Replies: 10
Views: 671

Re: Student Loan Refinance-Extra Hard Pull Worth It?

Would the multiple hard pulls even count against you? Normally, student loan refinancing is treated the same as mortgages or auto loans, with multiple checks being ignored within a short window of time.(Allowing you to shop for the best rates) In this case, you are refinancing multiple loans, but it...
by FreemanB
Mon Oct 07, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: 529 savings?
Replies: 19
Views: 2942

Re: 529 savings?

I think your plan is fine, and almost exactly matches my own. Our daughter is 7, we've got around $50k saved currently, and we are saving approximately $6k/year as well. My goal is to have enough in savings to cover at least 75% of college. Having 100% saved would be a nice bonus, but we'll easily b...
by FreemanB
Wed Sep 11, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Minimizing hard credit pulls when getting mortgage preapproval
Replies: 14
Views: 1282

Re: Minimizing hard credit pulls when getting mortgage preapproval

However, my understanding was that this was only a perk for for mortgage shopping. Someone can correct me if I’m wrong but i believe if you apply for a bunch of credit cards or car loans in a 30 day period they will all ding your credit you. From what I've read, it also applies to car loans and stu...
by FreemanB
Thu Sep 05, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1178

Re: Backup Image Encryption and Cloud Storage

How much data are you backing up? I assume incrementals can upload to the cloud pretty quickly, but my back-of-the-napkin calculation says that a full backup of 500 Gbytes would take a week or so (at 100 mbits/sec Fios connection). I'm not sure how many incrementals I'd want to take before doing an...
by FreemanB
Thu Sep 05, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 8351

Re: First-hand experiences with United Basic Economy for families?

I have a United Basic Economy ticket booked for next week. I'm traveling alone, and I don't care where I sit on the plane. I don't plan on having a carry-on bag either. For me, it was the best price for a ticket that met my needs. However, when I'm traveling with my 6-year old daughter, Basic Econom...
by FreemanB
Wed Jul 31, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Should I finance new car purchase?
Replies: 16
Views: 1557

Re: Should I finance new car purchase?

I purchased last month and financed at 0.9% plus something like $1k in incentives above what I would have gotten paying cash. To me, that made the most sense, and at that rate, I have no incentive to pay it off earlier. Even my regular savings account is earning more interest than that these days. T...
by FreemanB
Mon Jul 29, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4530

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

I'm hesitant to ask, as discussions about routers and modems very quickly go over my head, but...I set up the Airport years ago and am sure I did very basic connections without any advanced options. Is there an easy way to tell if it's acting as a WiFi gateway or if it's creating its own network? T...
by FreemanB
Mon Jul 29, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4530

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

While we're on the topic, I would like to ask a question - I have a FIOS modem but usually it's "radio" (WiFi) is turned off as I use an Apple Airport basestation that is connected to one of its ethernet ports. I have some WiFi cameras that were set up to be on the Fios WiFi. Before I go ...