Search found 82 matches

by NAD83
Tue Apr 12, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3741

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

Buying and collecting cards in the late 80's/early 90's are some of my best memories. I recently went through my collection and pitched all but some of my favorites--Bo Jackson, Michael Jordan, Griffey Jr., etc. I spent a good chunk of my paper-route money on cards. None are of any value today, but ...
by NAD83
Mon Feb 29, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Elderly parents future
Replies: 8
Views: 1646

Re: Elderly parents future

Thanks for the replies. The consensus seems to be to talk to an elder care attorney. I will look into this. I wasn't sure that they really have enough to be worth going through that. There aren't any registered elder care attorneys anywhere near here, but I'm sure I could find one that works in that...
by NAD83
Sun Feb 28, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly parents future
Replies: 8
Views: 1646

Elderly parents future

My father has been diagnosed with dementia and seems to be deteriorating somewhat rapidly. He is 73, has heart issues also, and is at home with Mom yet. She is 72 and healthy (though this condition is very stressful for her.) They don't have much money saved; they live comfortably on a pension and S...
by NAD83
Mon Feb 01, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 7327

Re: Mint...working less, and less, and less

I, too, have noticed this and I wonder if more often it has to do with the banks stepping up or changing their security. Some banks are becoming players in the aggregator business, and are blocking sites like Mint because they have their own tool. (Or, perhaps, they just make it really difficult for...
by NAD83
Tue Jan 19, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Home WiFi extender
Replies: 20
Views: 1535

Re: Home WiFi extender

Thanks for all the great suggestions. My router is fairly new and yes, it is dual band. I will check to see what it is hooking up to.
by NAD83
Tue Jan 19, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Home WiFi extender
Replies: 20
Views: 1535

Home WiFi extender

I have a room upstairs in our house, located the furthest away from our WiFi router that we get a weak signal on the Ipad. No other devices have this issue (phones, Roku.) I see they make those plug-in wifi extenders. Would something like that be suitable for this situation or do those not do what I...
by NAD83
Tue Jan 12, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Winter running gear suggestions
Replies: 31
Views: 1824

Re: Winter running gear suggestions

Go to a running store and get some wind-proof cold weather briefs. Worth every penny. I put some duct tape over the toes of my shoes for some wind protection. Under armor thermal base layer. In fact, just go to a local shoe/running shop. They have what you need. Not cheap, but worth it. I hate feeli...
by NAD83
Thu Dec 31, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: POA for aging parents
Replies: 13
Views: 1282

Re: POA for aging parents

Thanks all for the great advice. I have two older siblings, one near, one far away. I really doubt there will be much conflict (I hope, I know you can never assume.) The one near is not responsible at all, and everyone knows that, including himself, for matters such as these. I intend to be very ope...
by NAD83
Tue Dec 29, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: POA for aging parents
Replies: 13
Views: 1282

POA for aging parents

My father has recently had some serious health issues and also suffers from mild to moderate dementia. My mother is generally in good health. They are in their early 70s. I know we need to get a POA in place for my father. I believe there is general agreement that I could serve in that capacity. One...
by NAD83
Tue Oct 28, 2014 9:39 am
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 18
Views: 2978

Vinyl Siding over wood

I've decided on vinyl siding for our 40 year old house. The current wood siding has a couple small area of rot. It seems to be some type of fiber board material--wet areas are brittle like it soaks up the water. About 40% of the house is brick. I've gotten 5 estimates for siding and new gutters. The...
by NAD83
Wed Feb 26, 2014 10:48 am
Forum: Personal Consumer Issues
Topic: Bathroom exhaust fan use strategy
Replies: 11
Views: 1853

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
Mon Jan 27, 2014 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care Fsa
Replies: 3
Views: 412

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
Tue Oct 15, 2013 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: GOV shutdown affecting home purchase
Replies: 4
Views: 805

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
Sun Aug 11, 2013 10:39 pm
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 40
Views: 10803

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
Wed Jul 03, 2013 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage account empty, not closed
Replies: 10
Views: 1411

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
Tue Jul 02, 2013 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage account empty, not closed
Replies: 10
Views: 1411

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
Wed May 15, 2013 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Married, separate health insurance?
Replies: 12
Views: 2161

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
Thu May 02, 2013 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that require lots of travel
Replies: 52
Views: 5634

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
Tue Apr 30, 2013 9:08 pm
Forum: Investing - Theory, News & General
Topic: TSP L fund daily rebalancing
Replies: 4
Views: 633

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
Wed Apr 03, 2013 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Receiving poor service from a professional
Replies: 25
Views: 1874

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
Mon Mar 11, 2013 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bank goodwill-holding funds for fundraisers
Replies: 0
Views: 151

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
Sat Feb 16, 2013 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Horizon Blue Cross Blue Shield -- Need Expertise
Replies: 9
Views: 1092

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
Thu Feb 07, 2013 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA question
Replies: 3
Views: 377

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 11:09 am
Forum: Personal Consumer Issues
Topic: FMLA & General Thoughts on Employee Leave
Replies: 4
Views: 663

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
Tue Jan 08, 2013 10:47 pm
Forum: Personal Consumer Issues
Topic: What was your most Non-Boglehead-like move?
Replies: 29
Views: 2465

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

Two words (and ampersand): Waddell & Reed
by NAD83
Sun Dec 09, 2012 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Edward Jones?
Replies: 44
Views: 5482

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
Sat Dec 01, 2012 9:33 am
Forum: Personal Consumer Issues
Topic: Reacting to tradesmen not returning calls
Replies: 13
Views: 1967

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
Fri Nov 30, 2012 1:44 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Deductible Calculation
Replies: 5
Views: 618

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 1:05 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Deductible Calculation
Replies: 5
Views: 618

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 11:05 am
Forum: Personal Consumer Issues
Topic: Health Insurance Deductible Calculation
Replies: 5
Views: 618

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
Thu Oct 18, 2012 9:56 pm
Forum: Personal Consumer Issues
Topic: Why the YMCA is a great deal for me
Replies: 30
Views: 3430

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 Sep 20, 2012 9:08 pm
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 3574

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

Fox news. LOL just kidding. :D
by NAD83
Mon Sep 10, 2012 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fee shenanigans?
Replies: 13
Views: 1016

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 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum career for fed
Replies: 4
Views: 1319

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
Wed Sep 05, 2012 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Miles Driven and Car Insurance
Replies: 39
Views: 9942

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
Thu Aug 30, 2012 10:53 am
Forum: Investing - Help with Personal Investments
Topic: My 401K fee disclosure was released today...
Replies: 26
Views: 6046

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
Mon Aug 13, 2012 1:03 pm
Forum: Personal Consumer Issues
Topic: Smartphone screen cracked--repair?
Replies: 18
Views: 4512

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
Wed Jun 27, 2012 8:58 am
Forum: Investing - Theory, News & General
Topic: How to fire your adviser
Replies: 46
Views: 6949

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 20, 2012 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: I Want to Pay My Parents Debt
Replies: 33
Views: 4140

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 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Public pensions in trouble?
Replies: 10
Views: 747

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 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Public pensions in trouble?
Replies: 10
Views: 747

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
Fri Jun 15, 2012 3:52 pm
Forum: Personal Consumer Issues
Topic: Buying a bike
Replies: 69
Views: 8386

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
Thu Jun 14, 2012 8:48 am
Forum: Personal Consumer Issues
Topic: Ordering steaks online...have you done this?
Replies: 33
Views: 3677

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
Sun Jun 03, 2012 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Interview in the Federal Government coming up...need advice
Replies: 36
Views: 7097

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
Fri Jun 01, 2012 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: C shares in a mutual fund
Replies: 15
Views: 2252

Re: C shares in a mutual fund

My former advisor at Waddell and reed liked to sell me C shares. Enough said.
by NAD83
Wed May 16, 2012 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Another Roth TSP question--Lower income family
Replies: 4
Views: 830

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 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Another Roth TSP question--Lower income family
Replies: 4
Views: 830

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
Tue May 15, 2012 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Young Fed retirement planning
Replies: 22
Views: 1499

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 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Young Fed retirement planning
Replies: 22
Views: 1499

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
Thu May 10, 2012 1:05 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank
Replies: 35
Views: 7211

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.

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