Search found 72 matches

Return to advanced search

Bathroom exhaust fan use strategy

I have concerns about attic mold forming from using the bathroom exhaust fan in the cold temps of winter. The fan does indeed vent into the attic, which at some point I'd like to install outside roof vents (just moved in.) But for the moment, I've been cracking the window in there and avoiding the f...
by NAD83
Wed Feb 26, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Bathroom exhaust fan use strategy
Replies: 11
Views: 1734

Re: Dependent care Fsa

I can't use any money in the FSA until I can show a statement that care was provided. And, unlike a health FSA, I can't use the money until it is actually in the account. I just avoid any hassle and extra time and send in an end-of-year statement from the daycare to the FSA account, and they deposit...
by NAD83
Mon Jan 27, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dependent care Fsa
Replies: 3
Views: 281

GOV shutdown affecting home purchase

I'm a lowly GS-7 currently on furlough due to the shutdown. Wife and I entered into a contract for a new home purchase in Sept. The first word I got from my lender is that we may not be able to close on the house, as scheduled for Oct. 23rd due to my job "status." He indicated that there w...
by NAD83
Tue Oct 15, 2013 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: GOV shutdown affecting home purchase
Replies: 4
Views: 746

Re: Clearing car "Check Engine" light

I can clear my Camry light by a particular sequence of the ignition and holding down the odometer button. Google your model, there may be something similar. Beats messing with the battery or fuses. Usually it is after my wife gets gas, so like others have mentioned,a gas cap issue.
by NAD83
Sun Aug 11, 2013 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 40
Views: 3753

Re: Brokerage account empty, not closed

But don't they want their $95 per account (or whatever it is) for closing them? Maybe had I gone through my broker he would have made that withdrawal. There is no way they can get that now, right? They bent me over in many other respects, so I guess I just don't trust them, which is why I'm uneasy. ...
by NAD83
Wed Jul 03, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Brokerage account empty, not closed
Replies: 10
Views: 1304

Brokerage account empty, not closed

I decided to switch brokerages over a year ago, from Waddell & Reed to Vanguard. I first stopped automatic withdrawals. Then I made the transfer of funds. I did all of this through either Vanguard or Waddell customer service, not my advisor. When I last spoke to the Waddell rep to actually close...
by NAD83
Tue Jul 02, 2013 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Brokerage account empty, not closed
Replies: 10
Views: 1304

Re: Married, separate health insurance?

Wife and I had separate insurance plans for several years. No big deal. We even had separate after a kid. Hers allowed a mom plus kids plan instead of whole family plan. Saved money on premiums.
by NAD83
Wed May 15, 2013 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Married, separate health insurance?
Replies: 12
Views: 1064

Re: Jobs that require lots of travel

This is a personal decision. What is your family situation? If kids, I say no way. If not, heck yes!
by NAD83
Thu May 02, 2013 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jobs that require lots of travel
Replies: 52
Views: 4863

Re: TSP L fund daily rebalancing

I think you can only make one transaction a month or something. A recent rule to stop day trading on TSP accounts I believe.
by NAD83
Tue Apr 30, 2013 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: TSP L fund daily rebalancing
Replies: 4
Views: 470

Re: Receiving poor service from a professional

When someone's paycheck can increase by misinforming or confusing a customer, I am very cautious. Unfortunately, most businesses work in this environment. Ethics and morals fly out the door when there is money to be had.

Thread isn't locked yet?
by NAD83
Wed Apr 03, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Receiving poor service from a professional
Replies: 25
Views: 1785

Bank goodwill-holding funds for fundraisers

I've often wondered this, and through my research I haven't gotten a good answer one way or another. When, say, a family sets up an account at a bank for people to donate to due to whatever crisis they have encountered (medical bills, house lost in a fire, etc.), do the banks charge a fee for this o...
by NAD83
Mon Mar 11, 2013 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank goodwill-holding funds for fundraisers
Replies: 0
Views: 103

Re: Horizon Blue Cross Blue Shield -- Need Expertise

I have noticed in the past year or two, when reading through my BC BS plan that they have started taking this situation into account and are providing coverage, or partial coverage for hospital stays and out of network doctor care. This must be becoming all too common. Ymmv, but my only advice is to...
by NAD83
Sun Feb 17, 2013 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Horizon Blue Cross Blue Shield -- Need Expertise
Replies: 9
Views: 916

Re: Dependent care FSA question

I would get the reimbursement and pay the father 2/3 of it. So she would likely get the max. which is $5,000 per family, give him $3,333. She is also benefitting from the tax break.
by NAD83
Thu Feb 07, 2013 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA question
Replies: 3
Views: 319

FMLA & General Thoughts on Employee Leave

This year marks the 20th anniversary of the Family Medical Leave Act, which basically allows for employees up to 12 weeks off of unpaid work, while guaranteeing their job be held. This article on NPR got me thinking about the shortcomings of FMLA, and the general backwards trend of employers to have...
by NAD83
Thu Feb 07, 2013 12:09 pm
 
Forum: Personal Consumer Issues
Topic: FMLA & General Thoughts on Employee Leave
Replies: 4
Views: 548

Re: What was your most Non-Boglehead-like move?

Two words (and ampersand): Waddell & Reed
by NAD83
Tue Jan 08, 2013 11:47 pm
 
Forum: Personal Consumer Issues
Topic: What was your most Non-Boglehead-like move?
Replies: 29
Views: 2218

Re: Thoughts on Edward Jones?

I shouldn't have read this thread and linked article before bed. I couldn't get to sleep. It's sad that I lose sleep over these sharks even though I have no business with any.
by NAD83
Sun Dec 09, 2012 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Edward Jones?
Replies: 44
Views: 4910

Re: Reacting to tradesmen not returning calls

I also have had problems with professionalism and ethics with tradesmen. This might sound silly but I also screen them based on whether they are a smoker or not. Personal reasons aside, I hate the smell after they've done work inside plus I see it as a safety issue. Plus litter. It have found that t...
by NAD83
Sat Dec 01, 2012 10:33 am
 
Forum: Personal Consumer Issues
Topic: Reacting to tradesmen not returning calls
Replies: 13
Views: 1790

Re: Health Insurance Deductible Calculation

Thanks. I think I got it now. That is correct. The way the have the EOB is somewhat confusing.

Fortunately this is the first time we've ever met a deductible.
by NAD83
Fri Nov 30, 2012 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurance Deductible Calculation
Replies: 5
Views: 551

Re: Health Insurance Deductible Calculation

Thank you, and apologies, I found a claim detail that describes the bill in a different way. It is itemized to show my responsibility. Plus a brain fart--overthinking how the deductible works (the first time I've ever met one.) Brings up another question though. The $265 over is listed as Coinsuranc...
by NAD83
Fri Nov 30, 2012 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurance Deductible Calculation
Replies: 5
Views: 551

Health Insurance Deductible Calculation

Is there a formula that health insurance providers use to calculate the eligible expenses that count towards your annual deductible? I ask for others' experiences as a recent hospitalization has me wondering. My deductible is $5,000. I had a recent hospitalization and minor surgery which the total b...
by NAD83
Fri Nov 30, 2012 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurance Deductible Calculation
Replies: 5
Views: 551

Re: Why the YMCA is a great deal for me

I love the Y too. I think for all the services you get, or could get, it is a pretty good deal at $75/mo. Plus my wife gets it deducted pre tax from her paycheck so save a little. The 'family atmosphere', aka kids, keeps some away. But those probably aren't the types I would want to associate with a...
by NAD83
Thu Oct 18, 2012 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Why the YMCA is a great deal for me
Replies: 30
Views: 2907

Re: What's your favorite online source for news?

Fox news. LOL just kidding. :D
by NAD83
Thu Sep 20, 2012 10:08 pm
 
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 3302

Re: 401k fee shenanigans?

Reminds me of the movie Office Space. Those fractions add up to a significant amount for someone.
by NAD83
Mon Sep 10, 2012 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fee shenanigans?
Replies: 13
Views: 966

Minimum career for fed

I know there are several federal employees out there, so I pose this question. If I want to leave federal employment before retiring, what would be a minimum length of time that would allow some benefit later on? I'm approaching 10 years and from what I understand, as things are now under FERS, I'd ...
by NAD83
Mon Sep 10, 2012 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimum career for fed
Replies: 4
Views: 1223

Re: Miles Driven and Car Insurance

I've always gotten a discount for low mileage. I think the cutoff for both carriers I've had was 7,500/year. They ask for mileage every year. I would assume high-mileage rates would be higher. They should be.
by NAD83
Wed Sep 05, 2012 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Miles Driven and Car Insurance
Replies: 39
Views: 5916

Re: My 401K fee disclosure was released today...

Just got my wife's 401k fee disclosure. There was something interesting that I haven't heard from any others. It is states as such: Investment Advisory Services: 0.35% Less Revenue Recapture & Rebates: -0.204% Net Annual Fees: 0.146% They state that the revenue is recaptured from the investments...
by NAD83
Thu Aug 30, 2012 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: My 401K fee disclosure was released today...
Replies: 26
Views: 2855

Smartphone screen cracked--repair?

Dropped my phone and cracked/shattered about 1/4 of the glass screen. Still works fine. I went to the dealer (Sprint) and since I don't have the insurance plan, they said there is nothing that can be done (besides buying out my contract for $300+). I just got the phone a few months ago, so I am not ...
by NAD83
Mon Aug 13, 2012 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone screen cracked--repair?
Replies: 18
Views: 4319

Re: How to fire your adviser

When I left my advisor, I just called up the national customer assistance number to cancel the automatic withdrawals and other details. They were very helpful and responsive. I also had the ability, as with most large companies, to move money around within my account and withdrawal/transfer it. So I...
by NAD83
Wed Jun 27, 2012 9:58 am
 
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 5089

Re: I Want to Pay My Parents Debt

Mind me asking what you went into debt $160,000 and only making $75k? Will your income increase significantly in the future? I agree you should pay this.
by NAD83
Wed Jun 20, 2012 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Want to Pay My Parents Debt
Replies: 33
Views: 4010

Re: Public pensions in trouble?

Repeat after me: "I will save/invest as much as I can". Now, go do it. That way, if promises are broken, it will not be because you broke it, rather than as in many aspects of human life, was caused by the actions or lack of action by other people. The assignment of saving 10%,15%,20% are...
by NAD83
Wed Jun 20, 2012 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Public pensions in trouble?
Replies: 10
Views: 713

Public pensions in trouble?

I know there are quite a few public employees on here, from local to feds. I found a recent article from the Harvard Kennedy School that is pretty eye-opening: Underfunded Public Pensions in the United States: The Size of the Problem, the Obstacles to Reform and the Path Forward LInk: http://www.hks...
by NAD83
Wed Jun 20, 2012 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Public pensions in trouble?
Replies: 10
Views: 713

Re: Buying a bike

I agree with other posters. Fit is extremely important. Make sure the bike fits you and ask the clerk questions about this. You can actually get a professional fitting at most shops, but it costs and isn't necessary in your case. But I think that improperly fitted bicycles are the number one reason ...
by NAD83
Fri Jun 15, 2012 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bike
Replies: 69
Views: 7746

Re: Ordering steaks online...have you done this?

I agree that frozen steaks just aren't as good. We get Omaha Steaks every year only because we get a gift card from a business associate. The steaks are OK, but most of their other stuff is pretty blah. Burgers are not good. They're very overhyped due to great marketing. The product speaks for itsel...
by NAD83
Thu Jun 14, 2012 9:48 am
 
Forum: Personal Consumer Issues
Topic: Ordering steaks online...have you done this?
Replies: 33
Views: 3126

Re: Interview in the Federal Government coming up...need adv

In our agency your name will only be passed on if you are a minority, a vet, or have some sort of disability (the latest push.). I've no problem with these as long as the most qualified candidate is hired. Unfortunately this hasn't been the case lately. Depends on the 15's and how much of a bonus th...
by NAD83
Sun Jun 03, 2012 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview in the Federal Government coming up...need advice
Replies: 36
Views: 5938

Re: C shares in a mutual fund

My former advisor at Waddell and reed liked to sell me C shares. Enough said.
by NAD83
Fri Jun 01, 2012 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: C shares in a mutual fund
Replies: 15
Views: 1532

Re: Another Roth TSP question--Lower income family

I'm 25 years out for retirement. That is partly what makes it tough. Plus, I'm not sure I'll stick with a federal position until retirement. I'm right at 10 years now (FERS), so I'll get the basic annuity, but based on my salary and duration if I separated soon, it would be very minimal. So if I ret...
by NAD83
Wed May 16, 2012 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Roth TSP question--Lower income family
Replies: 4
Views: 779

Another Roth TSP question--Lower income family

I've searched all the other threads on the Roth TSP and there seems to be a consensus that if you are in the 15% tax bracket that the Roth TSP would make sense. I currently contribute 6% into the traditional TSP. I calculated that I could contribute that much to the Roth TSP and still remain in the ...
by NAD83
Wed May 16, 2012 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Roth TSP question--Lower income family
Replies: 4
Views: 779

Re: Young Fed retirement planning

Thanks for all the replies. I did not mean for this to turn into a public vs. private employment debate. I don't disagree with Muchtolearn's statement; it was valid. I do think about the private world, or at the least a non-profit, which I think would be suitable. There are good and bad aspects with...
by NAD83
Tue May 15, 2012 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Fed retirement planning
Replies: 22
Views: 1403

Young Fed retirement planning

Any younger Feds out there? I'm early 30's and have been a federal employee nearly 10 years now. I'm not sure what my future holds. I may stick with it, I may not, and it may not be up to me if our office closes down due to budgets, which is a reality. In regards to retirement planning, the unknowns...
by NAD83
Tue May 15, 2012 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Fed retirement planning
Replies: 22
Views: 1403

Re: Ally Bank

I recently refincance my mortgage and it was instantly sold to GMAC/Ally. Should I be worried for any reason? Besides some hassle, they would just sell it or some other bank would take it over I assume.
by NAD83
Thu May 10, 2012 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: Ally Bank
Replies: 35
Views: 6819

Re: Advice wanted on how to spend/save

You will have a FERS Pension. You should educate yourself on how much it will be. I'm surprised the number of public employees who have no idea their retirement beneftis. See here for more information:

http://www.opm.gov/retire/pre/fers/computation.asp
by NAD83
Mon May 07, 2012 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice wanted on how to spend/save
Replies: 23
Views: 1998

Re: Scott Burns: Trade cars instead of saving and investing

I'll keep driving the 5,200-pound brick that gets mileage in the teens to protect me from everyone else on the road. A serious injury from being in an econobox accident would be painful and potentially very costly if I can't keep working. Every day, constantly until I retire. Sales commissions far ...
by NAD83
Fri Mar 16, 2012 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Scott Burns: Trade cars instead of saving and investing
Replies: 38
Views: 2761

Re: How much would you commute to get cheaper housing?

I bike 4 miles and can't imagine a long commute that some people pull. Especially those with children. But I live in the Midwest so housing costs don't vary much. It's all relatively cheap. What do you do in the winter and in rain? I ride. Water never hurt anyone. And with the right gear i ride in ...
by NAD83
Fri Mar 16, 2012 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much would you commute to get cheaper housing?
Replies: 90
Views: 4494

Re: How much would you commute to get cheaper housing?

I bike 4 miles and can't imagine a long commute that some people pull. Especially those with children. But I live in the Midwest so housing costs don't vary much. It's all relatively cheap. What do you do in the winter and in rain? I ride. Water never hurt anyone. And with the right gear i ride in ...
by NAD83
Thu Mar 15, 2012 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much would you commute to get cheaper housing?
Replies: 90
Views: 4494

Re: How much would you commute to get cheaper housing?

I bike 4 miles and can't imagine a long commute that some people pull. Especially those with children. But I live in the Midwest so housing costs don't vary much. It's all relatively cheap.
by NAD83
Wed Mar 14, 2012 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much would you commute to get cheaper housing?
Replies: 90
Views: 4494

Re: Student Loan Repayment Screw Up

The amount to a certain loan should be able to be worked out. But as far as applying the extra to principle, you might be out of luck there. Most lenders won't do it, or will pay interest first, then any principal.
by NAD83
Fri Mar 02, 2012 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Screw Up
Replies: 8
Views: 929

Re: Day Care FSA

Correct me if I'm wrong, but the Dependent Care Tax Credit is $3,000 per child, up to $6,000 for two children. So unless you have more than one child, the $5,000 FSA Dependent Care is the maximum you can use.
by NAD83
Wed Feb 08, 2012 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Day Care FSA
Replies: 4
Views: 366

Re: Day Care / Child Care - Discussion

Also, there was typically about a 6 month wait list to get on for most daycare centers around here. Some were a year wait (not sure how that works.)
by NAD83
Tue Feb 07, 2012 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Day Care / Child Care - Discussion
Replies: 39
Views: 2712

Re: Day Care / Child Care - Discussion

Had our first child this past year and we just basically went around and visited many in-home, child development centers, church preschools, etc. We settled on a smaller child development center (aka daycare) just blocks from our home. $185/week, but live in the midwest. He has thrived there, but be...
by NAD83
Tue Feb 07, 2012 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Day Care / Child Care - Discussion
Replies: 39
Views: 2712

Re: How many hours do you work?

Usually about 35. Salaried, but government. But usually take a few hours here and there vacation time. Family comes first. I think this is too many most of the time.
by NAD83
Fri Feb 03, 2012 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How many hours do you work?
Replies: 37
Views: 3325
Next

Return to advanced search