All posts by Frank Pilone

This is my personal web site, and much of my information about me is here. Any questions, feel free to ask me.

Benefits of Google

I had a conversation with someone earlier today (2017-05-03), and she mentioned that she never used Google. She mentioned that she used Yahoo. First thing that came to mind is that we must be back in 1999. Now, I used to used Yahoo until they became incompetent, and there are still those few people that will swear by it. I however feel it might be worth mentioning the real world benefits of Google.

Now, I am not a fanboy, and I do understand that Google is first and foremost an advertising company. They provide “free” services to generate anonymized user data to rent to companies. But in turn so does Yahoo, and Bing. Google is just more successful. Continue reading Benefits of Google

April 2017

This month could have been a better month, but I made due. A number of things have happened which is probably worth mentioning. Some of these changes will also have an impact on my goal of getting out of debt which will cause some setbacks. Also, someone out of the blue have contacted me which was not expected and finally got an appointment I needed for a few months, but will have to wait on the appointment.

First, for the contacts. My brother as usual will call about once a month, and offer some vague promise of visiting. This month, he called twice with the same vague promise which never happened. This is normal lately. He is also making some choices I would not agree with, but he is his own person, and he knows my opinion. I also received a call for a psychiatrist appointment which will hopefully address some of the severe anxiety issues I have. I won’t see the psychiatrist until the second week of May. I had been in need of a new one since January. Since I am not running around with a shot gun, I guess I am not a priority. A distant family member also got a hold of me by email asking if I had the contact information of my Aunt (Mother’s sister). This is not something I have, and have yet to hear back from her. I would assume as with most of my family, she won’t need of me any longer. Continue reading April 2017

I Will Be Blu No More

There was a time when I needed a dual SIM phone. The reason of this is because I cancelled my service with T-Mobile (due to costs), and pushed to rely on my Lifeline service for voice calls. However, at the time, data service was not included into the Lifeline service. I therefore had to use my lifeline SIM for voice calls, and my FreedomPop SIM for data services. This required that I have a dual SIM phone.

Thankfully, in January of 2017, Life Wireless (my lifeline provider) offered a new plan with 500 minutes, and 500MB of data with their Lifeline program. Now, I continued to use a Blu phone only because I didn’t want to have to do a massive load of updates on my only phone I had not from Blu. However with the problems I had with Blu, I given up on them completely. Continue reading I Will Be Blu No More

Review: Capital One 360

I normally don’t review financial products/services as typically everyone’s needs are different. For example, I have a basic credit card with a relatively low interest, but no cash back. I don’t use the credit on my card enough to really benefit from cash back especially at a threat of higher interest rates. However, this is a bank account, and most people need a bank account, right? Now, your bank account may serve you well, and if that is the case – keep it. However, if you are looking for a new account, this might be an option to consider.

I chosen to open a Capital One 360 account for a few reasons. First, my previous account (which I still have the account open) gave me a bank account, but seem to refuse me when I asked for a credit card or a personal loan to consolidate debt, and get a few essentials. With the fact that I already had a credit card and on time payments with them had been 100%, I felt as if I wasn’t being looked at as a customer, but a number with another number attached. With this in mind, I have loss any personal sense of loyalty and commitment to them. I already had a Capital One Credit card which I had for more than 8 years when I applied for the loan, so I had an established payment history – one that was longer than my bank account. So knowing that I will be treated as a number with a big bank like Capital One, I didn’t see much difference in customer relations to what I been dealing with already. Continue reading Review: Capital One 360

March 2017

Some things for the better and for the worse happened this month. While my life on the surface is rather quiet, there has been some significant impacts that happened. There is still some things that remain the same. My income and financial situation hasn’t changed. I have no significant other in my life, and the pain still remains.

One thing that happened is my neighbor went to the hospital as she typically does, and asked me to feed her cat. Maybe it is just me, but if you can’t stay out of the hospital, you shouldn’t have pets. I told her I would do what I can, and reminded her that I should not be going up and down steps on a regular basis because of my issues. It is times like this that I wish I could just have my own place where the neighbor doesn’t feel entitled that I am somehow responsible for their choices. Continue reading March 2017

February 2017

This month could have been better, but one can’t complain. With the month being warmer than most Februaries – Malak was able to get more walks. Started to see a new therapist for my social anxiety, however he hasn’t given any recommendations other than what was recommended before with the pain psychologist. Still have yet to have a new psychiatrist.

On some other news, I have been having problems with my cellular phone. I think I will stop buying Blu Products since anything I seem to buy from there never meet my expectations a few months later. Considering that Pixel (successor to Nexus) is so expensive, I might have to look for alternatives. However, my plans do not allow me to replace my current phone; so I have some time yet.
Continue reading February 2017

Declaring War on My Debt

At time of writing this post, I have three debts of $2,650 + Interest, and one debt in collections (which I will detail later in this post). This is a significant improvement from a couple of years ago where I owed nearly $40,000. Needless to say, I have declared war on the money I owe to banks, and other creditors and taking on my financial mistakes with a vengeance.

This however is not without sacrifice. I had to make some serious decisions in my life, and I am sure some people will disagree with my actions, but the ideal is to live meagerly now so I can have a better life later. Some people will want to get out of debt so they can buy a car or a house. I don’t see me having such options available to me. In reality, the idea of owning a place I can call my own is a fantasy rather than a dream. So why am I doing it? Well, first – it is the right thing to do. Second, when I seen a light at the end of the tunnel, I had to make $125 in minimum payments per month to be on good terms with the companies I deal with now. Considering that I live below the poverty line, this is a serious challenge that will never end unless I first fix my life, and second attack my debt with the ferocity it deserves. Continue reading Declaring War on My Debt

January 2017

A few things have changed. I reactivated my Republic Wireless phone line to their Wifi Only plan. This is about $10. Since I terminated the relationship with the previous psychiatrist, I had to look for another resource to address my social anxiety. It doesn’t seem as anything I do have been very successful.

On the second week of December, I went to a new clinic which I had an assessment, and they informed me that I should get a new therapist and psychiatrist anywhere between 1 and 3 weeks. I am also to call if I don’t get a new appointment by the 31st.

I also seem to be having problems with Puretalk (a cellular provider). I received my SIM card at the end of the first week, but either the service activation, or the SIM card failed to provide me with service. This has led to a change in my initial plans while I tried to get the problem resolved.

December 2016

This month was more than most months I have. An acquaintance that really likes to have Malak to come and visit broke her hip, and was in the hospital for a time. Because of buses, I wasn’t able to take a part-time under the table job – which I guess is just as well. Malak has been resisting on using the treadmill which may mean he won’t get as much exercise as he should. I guess if I had foresight, I wouldn’t have spent the $200 on a credit line to get it.

I also received an email from TelNIC which is in charge of the registry and hosting of .tel domains. They are making some changes which includes allowing them to be hosted with other companies, and no longer supporting sub-domains. For the catered nature of .tel domains, I am not in agreement with either option. Obviously, if someone hosts their .tel outside of TelNIC, they will likely have sub-domain support, however – this could dismiss the reason why .tel domains served a role. Now they are just like any other domain. And for those that don’t know what a sub domain is – an example will be frank in http://frank.pilone.name. Continue reading December 2016

November 2016

Still been having some issues with dealing with crowds. My pain psychologist has suggested speaking with my representative at the community center which I have done. I didn’t expect much, and while she tried to help, didn’t give anything I hadn’t tried already.

Acquired a new Windows 10 PC which is functioning reasonably well, and a Chromebook PC. My goal is to see if I can get everything (or most things) done on a Chromebook which should make future PC acquisitions easier. The Windows 10 PC is a laptop/tablet hybrid and actually works nicely. My main gripe is the lack of an SSD, and no apparent means of upgrading the hard drive.
Continue reading November 2016