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Re: Son or Daughter working with Mom or Dad?

I did my internship at a Marketing and Advertising agency in downtown Chicago in the mid 2000s. My dad was the VP and I was shadowing people that worked for him. I think at the time (they tripled in size after I left) there were MAYBE 30 people. The success of this really depends on your personaliti...
by mojave
Wed Apr 23, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 14
Views: 721

Re: Building a house - plan resources

I love the Robinson plans - we're going with Craftsman style so that was perfect. Thank you.

I'll have to check out the Gardenwebs build forum, haven't been in there before. I used to post there a lot with my house plants :happy
by mojave
Tue Apr 22, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Building a house - plan resources
Replies: 4
Views: 580

Re: Forced job responsibility putting me in a panic

"I also want to know why they feel that this is the best use of my time and why they think I am the best candidate for this." I wouldn't make that assumption. It may be that all the other candidates were able to weasel out of the assignment, and you're the only option left. It's even poss...
by mojave
Tue Apr 22, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Re: Forced job responsibility putting me in a panic

Thanks everyone. I appreciate all the very helpful responses and suggestions and will be looking into the resources provided. My boss is in today for a short time and I am going to try to approach him about this before he goes out of town again. I don't want to make myself look "anti-team"...
by mojave
Tue Apr 22, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Re: Forced job responsibility putting me in a panic

This is more than just my fear of speaking. This will be taking up 25% - 33% of my time with no end in sight and it's really administrative. I'll be getting "why don't my speakers work" and "hey will you edit my power point and make it pretty". I want nothing to do with it and it...
by mojave
Tue Apr 22, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Re: Forced job responsibility putting me in a panic

Have you told anyone else at work about this? Especially anyone who might be able to share the duties with you, someone with experience in public speaking? For now, concentrate on getting through this first one, but try very hard to find someone to help you. If you can't, do the best you can and be...
by mojave
Mon Apr 21, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Re: Forced job responsibility putting me in a panic

I must write that you didn't have any problems articulating your thoughts extremely well in this thread, so I am not sure that you are going be bad enough to have them want to replace you. I will also say that as a supervisor, I give similar tasks to my subordinates just to move them out of their c...
by mojave
Mon Apr 21, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Re: Forced job responsibility putting me in a panic

I don't think you need to worry about this. Just do the terrible job that you expect to do and they will notice that you are no good with this and assign the task to someone else. (And I don't even charge a fee for astute advice such as I have just given you.) Lol. That may or may not be one of my ...
by mojave
Mon Apr 21, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Forced job responsibility putting me in a panic

I wasn't sure where to post this but I am in dire need of advice. Preface: Like everyone, I've been in situations in my career and schooling that I didn't want to be in, or given projects I didn't want to do. I've always been able to get over my fears or whatever is troubling me and get through it s...
by mojave
Mon Apr 21, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2105

Building a house - plan resources

My husband and I will be building a house, we are hoping to start this fall. Plan is to live with my in-laws during the build to save money. Not exactly looking forward to that but it's a sacrifice well worth the outcome. My husband will be the builder and the general contractor. He does commercial ...
by mojave
Mon Apr 21, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Building a house - plan resources
Replies: 4
Views: 580

Re: "New" car has crack in windshield, dent on trunk

Thanks all.

The dents are annoying but not a big deal if they won't fix that. However it seems that cracks near the edge of a windshield are a safety hazard...
by mojave
Sat Apr 19, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: "New" car has crack in windshield, dent on trunk
Replies: 7
Views: 741

"New" car has crack in windshield, dent on trunk

We bought a certified pre-owned Hyundai today for my husband to use for commuting because he has been using a truck (which is paid off and we are keeping). We did a test drive and looked it over. While driving home behind my husband, I noticed two shallow dents on the trunk - the car is black and up...
by mojave
Sat Apr 19, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: "New" car has crack in windshield, dent on trunk
Replies: 7
Views: 741

Re: Expensive med. test not covered by insurance

Update: My OBGYN's office manager put me in touch with their rep at the lab. To make a long story short, the most I'll have to pay out of pocket is $25. Yes, $25. And, it doesn't even matter that this is a pre-pregnancy screening. I won't celebrate until I actually get the bill (which won't get to m...
by mojave
Fri Apr 18, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

Hi everyone - first, just want to give a big thank you to everyone that responded. You helped me come down a bit and look at this from a more logical angle. I received a lot of excellent advice and insight into how the system works. Wanted to provide a brief update, my Dr's office called me back and...
by mojave
Fri Apr 11, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

CFTY Gene Com Varients $700 [$4045] Molecular Pathology Interp $24 [$81] Thyroxine; Free $8 [$92] FMR1 Gene Detection $954 [$0] Mopath Procedure Level 2 $2550 [$850] This is somewhat helpful. CFTR genotyping should cost maybe ~$200-400; $700 is expensive, $4045 is ridiculous FMR1 Gene detection sho...
by mojave
Wed Apr 09, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

mojave, you have received a lot of advice on this forum. Have you decided yet on a course of action? I sent a diplomatic email to my Dr first to see what she says. I want it in writing, which is why I went the email route. I explained how I was upset by this situation and basically reiterated my in...
by mojave
Wed Apr 09, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

I carry a copy of my health insurance contract with me to every doctor's appointment. Any time a procedure is recommended by one of my providers, I actually whip out my contract while I'm in the doctor's office and make the insurance person verify the out-of-pocket cost to me while I'm sitting in f...
by mojave
Wed Apr 09, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

Also re: me checking insurance. Now that my mind is a little clearer, I remember that I did check our summary plan description book (after my husband was hospitalized with Meningitis, and I had to battle our insurance for some coverage of that, this book and I became close friends). In my ignorance ...
by mojave
Wed Apr 09, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

For those that know about this type of testing, I was tested for fragile x, cystic fibrosis, down syndrome (I think, don't have the papers on hand) and I think one or two others. It wasn't a test that does 100+ screenings. Also, I just remembered I had them do testing on my immune system and thyroid...
by mojave
Wed Apr 09, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

OP, Take a longer view on this to make the best of your situation Don't pay anything until you have all the possibilities exhausted. Find out who did the test and who you owe the money to. It is probably not your doctor. If it is a large reference lab company, they will likely have discount and pay...
by mojave
Mon Apr 07, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

Fertility treatment is covered by my insurance. I get that a doctor doesn't know. But it sounds like this was a very unessential test that is almost never covered by insurance unless you are x age. Surely, after 30 years of practice, she would have been aware of this? This isn't an $800 misunderstan...
by mojave
Mon Apr 07, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

This is a huge problem. You have been charged what I call the "crazy rate". Meaning if you look at an Explanation of Benefits for a regular covered test, like a complete blood count,k you will see something like: charged $150. Negotiated insurance rate $10. Paid by insurance $10. You owe:...
by mojave
Mon Apr 07, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

FWIW my Doctor has been in the biz for ~30 years at one of the best hospitals in the Chicago area (Lutheran General).
by mojave
Mon Apr 07, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

My wife and I were In a similar spot last year, OB offered up a full slate of tests and my wife luckily only agreed to one. Doc said it was covered by her plan, which it was, just for women's lot older than her. :oops: We got a massive eob for that one and then a bill came from the lab for about 1/...
by mojave
Mon Apr 07, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Expensive med. test not covered by insurance

Unfortunately, you are most likely going to be stuck with this. These kinds of tests are not widely covered by insurance unless there are special considerations, for example a family history that would put you at high risk. Even then, it frequently requires herculean effort to get it paid by the in...
by mojave
Mon Apr 07, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Expensive med. test not covered by insurance

A few months ago I had my annual checkup with my OBGYN. I mentioned that my husband and I may try to conceive soon and she recommended genetic testing to see if I was a carrier of any genetic diseases. I thought it over a bit, weighing the possible emotional outcomes, and then made the appointment. ...
by mojave
Mon Apr 07, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3881

Re: Spouses that struggle with budgets

Thanks all for the very helpful responses. Glad to see so many have found a way to make it work without a detailed, strict budget to follow. I'll be carefully considering all suggestions and propose to my husband what I think would be best for our personalities. FWIW my husband was the one who sugge...
by mojave
Tue Apr 01, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2273

Re: Retirement pulse check

Thanks everyone :)

I don't expect we will have early retirement, though my husband would like to retire before 55. I would like that for him too, but I also can't see him completely getting away from what he does now, maybe just focusing more on what he would rather do in his line of work.
by mojave
Mon Mar 31, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pulse check
Replies: 15
Views: 1414

Re: Retirement pulse check

Don't compare yourself with others. Figure out your available retirement income vis-à-vis your standard of living. It's not a competition. Lev I'm not making this a competition, I truly have no idea if this is good, average or if we need to step it up a notch. That's what I'm trying to figure out. ...
by mojave
Mon Mar 31, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pulse check
Replies: 15
Views: 1414

Retirement pulse check

I've done some retirement math that I'd like some feedback on. We are 28. My husband has a pension that he is fully vested in. If he were to stop working today and went into a different career, he would get $1,100 a month from the pension. This pension will adjust for inflation. It is a private pens...
by mojave
Mon Mar 31, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pulse check
Replies: 15
Views: 1414

Re: Want to trade car for Small SUV: Financially good, bad,

I'm 5'0" tall. I drive a Hyundai Santa Fe, a 2007. Love that car. I can see very well and am comfortable. The warranty can't be beat. My car has been a few years out of the warranty and still runs like a charm at 101k. Have had no major issues. They were recently updated and the new design is s...
by mojave
Mon Mar 31, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1958

Re: Vitamins instead of prescription meds?

For mild acne, make a mix of water and honey and dab it on at night. Honey has anti-bacterial properties and was used by the Egyptians to heal wounds. Cheap and effective.
by mojave
Mon Mar 31, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 568

Re: Spouses that struggle with budgets

Best is always to find a spouse that shares your financial values. Since you're past this point, it's a matter of teaching self control to someone who doesn't possess it - generally a losing battle. No doubt he "wants" to change, just like most smokers want to quit smoking. Best in this c...
by mojave
Mon Mar 31, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2273

Re: Spouses that struggle with budgets

I think getting a budget program that requires up front planning such as YNAB may help rather than mint after the money is spent. This is also able to sync to phones to provide real time info. I can PM you a referral code for $6 off if interested, and they have sales throughout the year so I would ...
by mojave
Mon Mar 31, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2273

Re: Spouses that struggle with budgets

My spouse is as frugal as I am. I have to ask, however......was the Jimmy John $12 sandwich truck right at the site and to get that $3 Wendy's meal would mean getting in the car, driving for 20 minutes, eating and driving back 20 minutes? Or was there a choice that he could eat another sandwich tha...
by mojave
Mon Mar 31, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2273

Spouses that struggle with budgets

We've been using mint.com for a little less than a year and I just reviewed our last 6 months of spending and needless to say, am not happy. I've been trying to push my two frugal ideologies: "do you want this or do you need this" and "the best deal you can get is $0" (when marke...
by mojave
Mon Mar 31, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Spouses that struggle with budgets
Replies: 27
Views: 2273

Re: Why bad/expensive 401(k)s will likely always be with us

I had a co-worker recently freak out over a company email letting us know about updates in some of the investments available in our Fidelity 401ks. He thought it meant Fidelity was taking some of his money away. I couldn't believe someone could be that clueless about their retirement fund but I gues...
by mojave
Sat Mar 29, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why bad/expensive 401(k)s will likely always be with us
Replies: 116
Views: 7701

Re: Being older/younger in class -- benefits, issues?

Another thought, if I had been held back another year I would have struggled to find a job - I graduated college June 2007, got my job September. Economy kerplunked just a few months later. Just a personal anecdote, but a lucky one.
by mojave
Sat Mar 29, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4863

Re: Being older/younger in class -- benefits, issues?

I was born in June and was one of the youngest in my class. I also had ADHD severely, part of ADHD is that your brain develops slower but it does eventually catch up. I would have benefited greatly by being held back a year. It was something my parents considered, however I turned out just fine with...
by mojave
Sat Mar 29, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4863

Re: How much water do you drink every day?

Slightly off this topic, one of my "hot buttons" or passionate causes is against the huge fad of bottled water. I have to hand it to these companies for convincing millions of folks that spending all this money on "water" is worth it. Much of the bottled water is just tap water ...
by mojave
Fri Mar 28, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2857

Re: How much water do you drink every day?

Our rental water is gross with a lot of iron. About 15 - 20 years ago, a town a few miles away had bizarre cancers sprouting up, it was determined to be caused by polluted water from a farm or industrial business or something. I'm not from the area but my husband is and he won't drink tap water. Of ...
by mojave
Fri Mar 28, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2857

Re: What age did you reach 100K networth?

If you include property I own (not a house), we hit that at age 26/27. We are 28. If you do not include that, we will probably hit that at 30. ETA I forgot, my husband also has a fully vested pension that he's been contributing to for ~9 years on top of an annuity. I have no idea how to calculate th...
by mojave
Fri Mar 28, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31244

Re: How has frugality impacted your marriage/LTR?

My first post here was seeking advice for newlyweds that had very different views on how to handle money. We didn't see eye-to-eye at the time, and finances were not good. Lots of debt, not saving well, etc. We're now miles above where we were then. We literally never fight about money, or ever disa...
by mojave
Thu Feb 20, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2818

Re: A $1000 lesson on how manipulative salespeople can be?

Anytime I see a sale or some kind of a deal (or anytime my husband comes to me excited about one) I say "the best deal is not spending a dime".
by mojave
Mon Feb 10, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 70
Views: 8001

Re: Should my son pay me rent, utilities, etc...?

I lived with my parents after college until I got married at 25, my husband was out on his own at 18 and started working at 20. I went to college and got a cushy corporate job right after. My husband has strong work ethic and is very successful in what he does. Oddly, my sibling-in-law is the exact ...
by mojave
Thu Jan 16, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 10032

Re: Doom and Gloom

Thanks everyone, for the reality check I knew I could find truth and sanity here :) Of course, my question was more along the lines of economics, war and health and personal battles of course overshadow those. For those that seem to think my perception or questions as odd (I guess?) keep in mind, th...
by mojave
Tue Jan 14, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 2578

Doom and Gloom

As someone not yet 30, I sometimes lose my optimism (which I generally have plenty of) and become concerned with the future and the ability for my family to "get ahead". Aside from the Great Depression, I don't know of another modern era in which so many potentially disastrous unknowns lie...
by mojave
Tue Jan 14, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 2578

Re: Poll: Understanding the average forum member age

Those of us under 30 - who is here thanks to experiencing the Recession right out of college? ::raises hand:: I honestly don't think I would have given any thought to my finances outside of a savings account and 401k if it weren't for the Recession and the mess I have seen it cause first-hand. The k...
by mojave
Tue Jan 14, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 4832

Re: Understanding hospital bill/insurance

Thanks everyone! I can't seem to find our EOB. They just made it easy on me after going over a few bills, they'll be re-processing everything. I was right, more should be covered. If I don't get another EOB I'll request one.
by mojave
Mon Jan 13, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding hospital bill/insurance
Replies: 8
Views: 523

Re: Help needed with a CC Debt Emergency

Most important thing I can tell you - and it may sound cold - this is her problem not yours. Do not help her financially, help her plan and budget but don't contribute any money towards her debt. All she can really do in this situation is to cut back on spending and pay off that CC debt ASAP.
by mojave
Mon Jan 13, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help needed with a CC Debt Emergency
Replies: 36
Views: 1797
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