Search found 18 matches

by JustMe
Thu Apr 07, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: I can retire right??
Replies: 14
Views: 2036

Re: I can retire right??

All indications are that I will be offered a like position with the merged company. It sounds like you can retire if you want. But depending on your feelings about your job it might be beneficial to wait and see what any offer from the new company might look like before committing to a June retirem...
by JustMe
Wed Apr 06, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO differences
Replies: 5
Views: 616

Re: HDHP vs PPO differences

1) Prior PPO was individual/family limit on an annual basis, but HDHP seems to be plan based. For example, PPO 1000/2000 vs HDHP 2000/4000 means that using PPO, an individual only needs to reach $1000 that year before insurance shared coverage starts. With HDHP, because we have family plan, an indi...
by JustMe
Fri Mar 18, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 23
Views: 2790

Re: Tub Cleaning Issue - Soap Scum

LuigiLikesPizza wrote:What can I pour into the tub that will melt soap scum?

A couple people have suggested Dawn. That may very well work, but I've had good luck with Soft Scrub.
by JustMe
Sat Mar 05, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Where can I take a weekend trip around Wilmington, NC?
Replies: 5
Views: 485

Re: Where can I take a weekend trip around Wilmington, NC?

any recommendations on great couples getaway spots within 3 hours of Wilmington, NC? You could just stay in Wilmington. You can get a hotel room overlooking the river, and there is a walking trail along the riverfront. The city has a variety of restaurants, and I remember having a very good meal at...
by JustMe
Thu Jan 21, 2016 6:55 am
Forum: Personal Consumer Issues
Topic: Smoke detector battery install fail
Replies: 19
Views: 1026

Re: Smoke detector battery install fail

As far as i know smoke detectors can last indefinitely, but most (all?) carbon monoxide or combination smoke/CO detectors have an expiration date after which the entire detector needs to be replaced. I believe 5-7 years is most common, but I've recently seen 10 year expirations on new ones. Your det...
by JustMe
Wed Dec 30, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in Employer Deposting Money into Dependent Care Account
Replies: 3
Views: 394

Re: Delay in Employer Deposting Money into Dependent Care Account

Unlike a health care FSA, for dependent care, the funds must actually be deposited to make a claim against them. This is not true of my dependent care FSA. Although claims will not be paid until there is enough money in the account, I can submit claims for eligible expenses as they are incurred. On...
by JustMe
Thu Dec 10, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Air duct cleaning estimate - too high?
Replies: 19
Views: 1647

Re: Air duct cleaning estimate - too high?

We recently had major renovations done to our house - lots of drywall dust - so I believe that a cleaning is probably a good idea. I don't know about pricing, but after reading the EPA information here we decided not to get our ducts cleaned. http://www.epa.gov/indoor-air-quality-iaq/should-you-hav...
by JustMe
Sun Dec 06, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 9235

Re: Writing checks - a Bogleheads thing to do?

Apparently you still, in 2015, cannot open custodial accounts at Vanguard online. Assuming you mean a UGMA/UTMA custodial account you can open it online, but Vanguard hid the option. Choose the option to open a new account. Then when it asks "why are you investing?" choose College. One of...
by JustMe
Sat Mar 21, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed: invest my HSA
Replies: 3
Views: 501

Re: Help needed: invest my HSA

Look at the Fidelity equivalents of the Vanguard 3 fund portfolio. I agree with the Spartan index fund recommendation. Here's a more complete list of Fidelity's Spartan index funds. From the names it should be pretty straightforward to match them up with equivalent Vanguard funds. https://www.fidel...
by JustMe
Wed Nov 19, 2014 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 7503

Re: What to prepare for first baby due next month?

For ex: Before you can get her on health insurance she will have to have a SS #. You can add a newborn to your insurance without a SSN, but will need to call back and provide a SSN within a certain period, e.g. 90 or 180 days. If you waited until you received the SSN you'd likely be outside the per...
by JustMe
Sun Nov 02, 2014 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1070

Re: Possible to contribute after-tax to plan to get match?

Withholding more than $4500 at your new job may not actually have any effect on your match for this year. ⋅ At some companies (though less common than in the past), employees are not eligible for the match until they've worked a certain number of days. ⋅ You mention both "6%...
by JustMe
Tue Oct 07, 2014 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3973

Re: Large Inheritance - Need Advice

As much as I wish to, I don't think I have the time or smarts to manage the money myself or ever get good at it. There's nothing wrong with using an advisor, as long as you find one who is reasonably priced and has your best interest at heart (harder to find than it sounds). Here's some advice from...
by JustMe
Fri Aug 29, 2014 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 240
Views: 582332

Re: New 2% cash back Mastercard from Citi

It looks like the card just isn't out yet, and they haven't finalized which network it will be on. Some websites say Visa definitively, some say MasterCard definitively, others say they "expect" either. Has anybody contacted Citi about it yet? I'm at work but will certainly call tonight w...
by JustMe
Wed Mar 19, 2014 10:33 am
Forum: Investing - Theory, News & General
Topic: Don’t Bother With That High Cost 401(k)
Replies: 28
Views: 3446

Re: Don’t Bother With That High Cost 401(k)

IBM terminated its cash balance retirement plan about 10 years ago after engaging in costly litigation over whether it was legal. (It was). IBM used part of the saving to create private label funds with a generous match for its 401k plan which had over $41B in assets as of the end of 2012. Accordin...
by JustMe
Thu Feb 14, 2013 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open coverdell
Replies: 4
Views: 760

Re: Where to open coverdell

I'd like the ability to buy Vanguard mutual funds and not pay any purchase or account maintenance fees if possible. If you don't mind online statements, I believe TD Ameritrade won't charge any maintenance fees. Their commission-free ETF list includes a bunch of Vanguard options, so if those meet y...
by JustMe
Fri Feb 01, 2013 9:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard On-line Recommendations
Replies: 7
Views: 1048

Re: Vanguard On-line Recommendations

Since the recommendation tool doesn't actually invest the funds, this isn't really that big a deal. If you walk through the process of actually investing in one of the funds, then after you choose the fund and the dollar amount (but before you've finalized the transaction) it will offer you the chan...
by JustMe
Thu Jan 17, 2013 5:25 pm
Forum: Personal Consumer Issues
Topic: Good movies to stream on Netflix
Replies: 37
Views: 4355

Re: Good movies to stream on Netflix

We use Netflix mostly for watching TV series. But when I'm looking for a movie, http://instantwatcher.com is a good site for exploring the Netflix catalog by category, critics' picks, etc.
by JustMe
Mon Dec 10, 2012 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 45
Views: 6445

Re: So much for the 2% Cash Back Sallie Mae Visa card

We've just received a no annual fee, Capital One Cash Rewards card offer, touting a 1.5% "unlimited cash back on every purchase". Besides those incredibly bad commercials Cap One has been serving up of late, and the even more offensive APR of 18.99% that goes with this card, has anyone ha...

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