Search found 174 matches

by MnyGrl
Thu Apr 19, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 152
Views: 7087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don’t understand all of the whining on this thread. The system sucks but it’s the system. Most people have two choices HDHP or PPO. HDHP has lower premiums but higher outlays for smaller issues. PPO has higher premiums and lower outlays for smaller issues. I’m surprised any adult with a HDHP does...
by MnyGrl
Thu Apr 19, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 152
Views: 7087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don’t understand all of the whining on this thread. The system sucks but it’s the system. Most people have two choices HDHP or PPO. HDHP has lower premiums but higher outlays for smaller issues. PPO has higher premiums and lower outlays for smaller issues. I’m surprised any adult with a HDHP does...
by MnyGrl
Wed Apr 18, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1355

Re: landline solutions

I just got rid of my landline and replaced with a Tello phone - I also only wanted it as an emergency phone for my kids and it won't likely ever leave the house. It was about $50 for a refurbished Android phone, and the plan I chose is $5/month for 100 minutes and unlimited incoming/outgoing texts. ...
by MnyGrl
Wed Apr 18, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 152
Views: 7087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

In the past when I have needed medical tests other than routine ones, I have asked the doctor beforehand what the procedure code, or CPT code is. Once you have that code, call your insurance company - if you have the code they can usually tell you how much they cover for the procedure. Then in most ...
by MnyGrl
Mon Apr 16, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

Thanks everyone for your help! This is enormously helpful.

I am going to go with the 30 Mbps. Apparently I can try it for 30 days and change packages if the speed isn't sufficient.
by MnyGrl
Mon Apr 16, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

I like to have a faster speed, so I can respond to market timing threads quickly. Just kidding. I stream video, video conference, and work from home sometimes. I cycle promos. As soon as the current one ends, I call to cancel, and they give me a better deal for a year or two. I'm actually willing t...
by MnyGrl
Mon Apr 16, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

I like to have a faster speed, so I can respond to market timing threads quickly. Just kidding. I stream video, video conference, and work from home sometimes. I cycle promos. As soon as the current one ends, I call to cancel, and they give me a better deal for a year or two. I'm actually willing t...
by MnyGrl
Mon Apr 16, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

rgs92 wrote:
Mon Apr 16, 2018 12:11 pm
VZ FIOS was really slow even for normal surfing at 75/75 so I had to go with 150/150.
I have not been terribly happy with Verizon - switching back to Cox which was cheaper, faster and generally had fewer issues.
by MnyGrl
Mon Apr 16, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

I would say at least 30, but it will depend on your provider. I have 60 through Comcast and with a wireless connection I have seen actual tested speeds as low as 18. I have had problems with Netflix on weekend evenings. I have the luxury of an ethernet connection and when I switched to that things ...
by MnyGrl
Mon Apr 16, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

I would go for 30 mbps and then upgrade to 100 only if the lower speed caused lagging watching video. https://help.netflix.com/en/node/306 Internet Connection Speed Recommendations Below are the internet download speed recommendations per stream for playing TV shows and movies through Netflix. 0.5 ...
by MnyGrl
Mon Apr 16, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

30 mb would be a great spot, but I really don't like "Promotional Rates". The concept itself just makes me shake my head. "We want you as a customer, will give you this price, but a bit later you won't be as good a customer, so we'll put the price back to that much higher rate...". Ick. Consider bu...
by MnyGrl
Mon Apr 16, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

Re: How do you determine what internet speed you need?

I would go for 30 mbps and then upgrade to 100 only if the lower speed caused lagging watching video. https://help.netflix.com/en/node/306 Internet Connection Speed Recommendations Below are the internet download speed recommendations per stream for playing TV shows and movies through Netflix. 0.5 ...
by MnyGrl
Mon Apr 16, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: How do you determine what internet speed you need?
Replies: 32
Views: 1037

How do you determine what internet speed you need?

I just cancelled my internet, home phone and cable account and plan to get just internet service with a different provider. If your family uses a fairly average amount of internet service (no gaming, downloading large files, etc; just surfing web, perhaps one user watching Netflix at a time), what s...
by MnyGrl
Sun Apr 15, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

I’m also appalled by some of the responses on this thread. There is also an underlying insensitively to many of them. Op is in great shape because she has a career but there is a reason that the majority of households living at the poverty level are headed by women. There are many threads giving wo...
by MnyGrl
Sun Apr 15, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Hi, through the suggestions in this thread I have already identified ways to bring in about $1600 additional per month (by renting out basement apartment and adjusting my tax withholding) The best way to adjust tax withholding is the IRS Withholding Calculator , from the IRS. It uses your latest nu...
by MnyGrl
Sun Apr 15, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5171

Re: Alternative website for those in lower tax brackets?

Reddit has a ton of categories devoted to money, and it is definitely more income-diverse over there.
by MnyGrl
Sat Apr 14, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

good luck to you! short term needs (5k) could be addressed with short term fixes (personal load, credit union, etc), and may be they should. the bigger problem to me (and I would be direct), is longer term picture. your income and expenses are out of whack (what you spend on housing as percentage o...
by MnyGrl
Sat Apr 14, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Maybe I'm from a different planet, but some of the responses you've been getting are bizarre. It seems like you can do baby steps to resolve this temporary problem. Given the entire situation that you've described, and given life in a HCOL area, it really does sound like you simply have a very temp...
by MnyGrl
Fri Apr 13, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Child expenses - what to expect as your kids go from daycare to school
Replies: 20
Views: 2710

Re: Child expenses - what to expect as your kids go from daycare to school

For working parents, daycare is a need, not a want. It's not optional if both parents are working. What a lot of parents seem to do after daycare is over is enroll their children in a lot of activities, lessons, etc., so there is no real savings. But you do have a choice, and you can save a lot of m...
by MnyGrl
Fri Apr 13, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2414

Re: Farewell gift for office when quitting job?

Glockenspiel wrote:
Fri Apr 13, 2018 8:15 am
GratefulinNC wrote:
Fri Apr 13, 2018 5:43 am
Assuming you are leaving on good terms, it is your employer who should be giving you a farewell gift or reception.
+1 This.
+1. We've usually taken departing colleagues out to lunch.
by MnyGrl
Thu Apr 12, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9650

Re: Mid-40s in tech - how to pass off as acceptably young

Hi OP, I am in my mid-forties and in tech too. Most of the people I work with are like 10 years younger, or more. Some ideas: 1) I think it's important to stay looking current - reassess your wardrobe regularly and add a few new pieces every season to keep it looking fresh. The young guys in my offi...
by MnyGrl
Wed Apr 11, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Easily digestible info/blog on finances for spouse?
Replies: 35
Views: 2345

Re: Easily digestible info/blog on finances for spouse?

Quick interval update: once again, thank you to all for your recommendations. They are all very good and a few in particular were just what I was looking for. In particular, something short & concise that would resonate with a spouse who in general understands the importance of saving but from a da...
by MnyGrl
Wed Apr 11, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 3886

Re: Am I being unreasonable?

As long as the five-year-olds aren't packing heat, I think I would go with the public school. Kindergarten is likely to be mostly play and socialization anyway, even if it isn't a great program. Does she have specific concerns? Sometimes you can find an online forum for your community or area where ...
by MnyGrl
Wed Apr 11, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

I love the Bogleheads forum, full stop. But I am appalled at some of the responses here :shock: ...some from posters I respect and admire for their input into other financial advice topics... MnyGrl, you are obviously smart enough to sort out the good advice here from the unhelpful nonsense. I don'...
by MnyGrl
Wed Apr 11, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

I love the Bogleheads forum, full stop. But I am appalled at some of the responses here :shock: ...some from posters I respect and admire for their input into other financial advice topics... MnyGrl, you are obviously smart enough to sort out the good advice here from the unhelpful nonsense. I don'...
by MnyGrl
Wed Apr 11, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

In addition to cut misc expense. You will need ask kids to do their part job. If you want summer camp, that's fine, do find a part-time job. Want to watch Netflix, fine, deliver newspaper to make the $10.99 fee. Dine out, no, buy fresh food from local grocery and teach your kid how to cook. New car...
by MnyGrl
Wed Apr 11, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Against Disability with SAHM?
Replies: 19
Views: 922

Re: Protecting Against Disability with SAHM?

sport wrote:
Wed Apr 11, 2018 10:19 am
In my state, public school teachers are not covered at all by Social Security. They are covered by the State Teachers Retirement Plan instead. This may or may not apply to your wife.
+1, it's that way in my state too. Maybe check the social security website to see her SS record.
by MnyGrl
Wed Apr 11, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Hi MnyGrl: I just wanted to say it seems to me that you're doing great under difficult circumstances and obviously are a very devoted and focused Mom. We have two young kids and "camp" for us, just like for you, is far from a luxury item, i.e., it's the city-run rec center. Gotta put the kids somew...
by MnyGrl
Tue Apr 10, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

I don't think I was as direct about my idea on the first post as I could have been. You obviously own a valuable piece of RE and I'm not familiar with your local market for it but could you run some airbnb rentals through it when the kids aren't there? That might be less hassle than permanently ren...
by MnyGrl
Tue Apr 10, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

rgs92 wrote:
Tue Apr 10, 2018 8:30 am
I would definitely cancel the summer camp unless it it for day-care services you need to go to work.
Yes, it is for day care so I can work.
by MnyGrl
Tue Apr 10, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Hi, thanks for all the comments. There are so many good suggestions and I plan to implement many of them. I sincerely want to thank those who have sent me private messages and know that this is not just a financial problem, but an emotional one, especially regarding my kids. I am trying not to shake...
by MnyGrl
Mon Apr 09, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

MnyGirl, does your ex husband make significantly less than you do? If your kids live with you, and he is only contributing $223/month in child support, that will barely cover food in many households for the month, much less a roof over their heads. If his health insurance is covered by an employer,...
by MnyGrl
Mon Apr 09, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1553

Re: Posting My Expenses for 2018...

Is the 35K credit card debt or something else? It is something else and I rather not go into great detail...I had a rough year. My father was dying and I had to take care of my mom and other medical expenses. I'm sorry. Well you have a good income and savings, and it was a good idea to get the 20 y...
by MnyGrl
Mon Apr 09, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1553

Re: Posting My Expenses for 2018...

You don't say what your income or net worth is, so not sure if this is extravagant or within your means. The most obvious places to cut, if you want to make cuts, are Personal Care, Travel, Groceries/Restaurants, and Gifts. But you probably already knew that. 29 years old, fiance 32 years old, we m...
by MnyGrl
Mon Apr 09, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1553

Re: Posting My Expenses for 2018...

You don't say what your income or net worth is, so not sure if this is extravagant or within your means.

The most obvious places to cut, if you want to make cuts, are Personal Care, Travel, Groceries/Restaurants, and Gifts. But you probably already knew that.
by MnyGrl
Mon Apr 09, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Thanks for all the replies and suggestions. It seems that I have some research to do - I'll look around for more competitive HELOC rates and also check with my 401K administrator to see how loans work. I have excellent credit so I'm pretty sure I can get a zero interest CC if I need one quickly. If ...
by MnyGrl
Mon Apr 09, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Hi, my car has 95K miles on it - I've always worked close to home so they have been hard, stop-and-go-traffic miles, but still fairly low mileage. It is a Honda Element which they don't make anymore and the car seems to have a small following, so hoping to get at least a few thousand for it. (I am ...
by MnyGrl
Mon Apr 09, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

You shouldn't have a mortgage (and 2 kids) if your mortgage takes 50% of your take home pay. That is insane! Any financial advisor would tell you the same thing - that is pure common sense. You need to be renting. When you live in a HCOL area, and you are divorced and have kids, sometimes the rules...
by MnyGrl
Mon Apr 09, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

I am on a pretty tight budget. I live in a HCOL area and have a moderate income. This year I needed to get a new car so took a big chunk of money from savings. There have been a few other things that have come up as well, so my savings have gotten very low. I will need to pull some money out of sav...
by MnyGrl
Mon Apr 09, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

The 529 plan is part of the divorce agreement so can't drop it. Is the summer camp also required? Does your ex have the capacity and willingness to shoulder some costs beyond what is required? Sell your new car and downgrade to a 3-4 year old car. Use this money to pay for summer camps. The numbers...
by MnyGrl
Mon Apr 09, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

The 529 plan is part of the divorce agreement so can't drop it. Is the summer camp also required? Does your ex have the capacity and willingness to shoulder some costs beyond what is required? Sell your new car and downgrade to a 3-4 year old car. Use this money to pay for summer camps. The numbers...
by MnyGrl
Mon Apr 09, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

You haven't given enough information about your financial situation to offer specific advice, so this will just be general comments on your post. You need to learn to distinguish between 'needs' and 'wants'. Summer camp for the kids is a want not a need. There will always be unexpected expenses or ...
by MnyGrl
Mon Apr 09, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

The best 'cash flow' advice I ever got was from an old farmer when I started my dental practice in 1982. He told me not to try to live like a Rockefeller when you are earning like a ditch digger. I laughed, but never forgot that wisdom. I am recently divorced with two kids. I have never lived like ...
by MnyGrl
Mon Apr 09, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

Good job posting the budget. What do your numbers look like after your typical monthly spending on variable expenses? I suspect there isn't much left - but this is where the savings is likely to come from. We are pretty frugal. When we really work on it - don't eat out or shop (and no unexpected ex...
by MnyGrl
Mon Apr 09, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

You haven't given enough information about your financial situation to offer specific advice, so this will just be general comments on your post. You need to learn to distinguish between 'needs' and 'wants'. Summer camp for the kids is a want not a need. There will always be unexpected expenses or ...
by MnyGrl
Mon Apr 09, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Re: Cash flow problems - best way to handle?

I would post my budget here and let us tell you suggestions on how to improve your budget. The only long term solution to a cashflow problem is to spend less or make more money. None of your proposals address either of those and in fact they all increase your spending. I am posting my monthly budge...
by MnyGrl
Mon Apr 09, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7805

Cash flow problems - best way to handle?

I am on a pretty tight budget. I live in a HCOL area and have a moderate income. This year I needed to get a new car so took a big chunk of money from savings. There have been a few other things that have come up as well, so my savings have gotten very low. I will need to pull some money out of savi...
by MnyGrl
Sat Apr 07, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2622

Re: !Please Advise on sensible housing for guy going through divorce!

Get a lawyer. IF you leave now I believe the child with her, you lose. It sounds like you are a committed parent so you would want to retain joint custody. In that case she can no longer lmove with the child any more than you can. She has no more right to the child than you do unless you agree to i...
by MnyGrl
Sat Apr 07, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2622

Re: !Please Advise on sensible housing for guy going through divorce!

I think one answer is that you should see a lawyer before you move out. A first topic to discuss is the "when she moves out, I [might] move back in" part. Yes, definitely check with a lawyer before moving out, if you are not taking the child with you to the new place. Leaving the child with her bef...
by MnyGrl
Sat Apr 07, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital's "Complimentary Portfolio Review" - Thoughts?
Replies: 17
Views: 676

Re: Personal Capital's "Complimentary Portfolio Review" - Thoughts?

I created an account but then deleted it shortly afterwards after learning that Fidelity will not cover any losses that occur if you give your password to a third party. That’s too high a risk for me, especially given how frequently companies are hacked into these days. They did call me a few hours ...