Search found 2789 matches

by Triple digit golfer
Fri Sep 22, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 10
Views: 664

Re: Any holes in this long term disability policy?

The benefit does not include an estimated SSDI benefit. It isn't even mentioned in the quote. They break it down as follows: Current monthly income: $10,583 Estimated group benefit after tax: $4,763 Proposed DI benefit: $3,400 Proposed catstrophic benefit: $2,420 I would like to possibly cancel my ...
by Triple digit golfer
Thu Sep 21, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 10
Views: 664

Re: Any holes in this long term disability policy?

The benefit does not include an estimated SSDI benefit. It isn't even mentioned in the quote. They break it down as follows: Current monthly income: $10,583 Estimated group benefit after tax: $4,763 Proposed DI benefit: $3,400 Proposed catstrophic benefit: $2,420 I would like to possibly cancel my g...
by Triple digit golfer
Thu Sep 21, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 10
Views: 664

Re: Any holes in this long term disability policy?

If this is "in addition to your current group policy", what happens if you change jobs (or lose your job)? What about if your group policy goes through the 24 months, and then has lesser coverage? What does your individual policy do? Good luck, and it's all good to be thinking about it at this time...
by Triple digit golfer
Thu Sep 21, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 10
Views: 664

Any holes in this long term disability policy?

Hi all. I am 32 years old with a $127k annual income and a wife with our first baby due in two weeks. I have group LT disability with my employer, but only up to about 47% of my gross income (my gross income is $10,600 monthly), plus it's pre-tax so the after tax benefit is probably more like 40% of...
by Triple digit golfer
Tue Sep 19, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 864

Re: Short term disability insurance

Thanks all. Another question on disability: Generally the maximum is 60% of income. Can I have two separate policies, both at 60% of income, thereby getting 120% if I'm disabled? Just a theory question, not something I would consider. If I have two separate policies and I become disabled, would the...
by Triple digit golfer
Mon Sep 18, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 864

Re: Short term disability insurance

Thanks all. Another question on disability: Generally the maximum is 60% of income. Can I have two separate policies, both at 60% of income, thereby getting 120% if I'm disabled? Just a theory question, not something I would consider. If I have two separate policies and I become disabled, would they...
by Triple digit golfer
Mon Sep 18, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 864

Re: Short term disability insurance

Most (quality) companies offers STD and LTD paid for. Maybe not generous but what I have seen is about a year at some portion of pay. You don't have enough money to self insure completely (you can't live on SWR of 500k) but you have enough to make the decision to skip the 1/20th insurance premium. ...
by Triple digit golfer
Mon Sep 18, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 864

Re: Short term disability insurance

I have a follow-up question related to disability. Is disability income taxable? On H&R Block's website I found this: •Disability income from a disability-insurance policy is taxable depending on how the premiums were paid: You can exclude income from long-term or short-term disability benefits from...
by Triple digit golfer
Mon Sep 18, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 864

Short term disability insurance

I was at lunch today with my company's CFO (my boss) and HR director. The topic of short term disability came up and both said how it is a must have and our HR manager "can't believe so many people around here don't have it." In hindsight something I shouldn't have done, but I chimed in and said tha...
by Triple digit golfer
Fri Sep 15, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46847

Re: Equifax customer information leak

All, I don't know if this has been addressed yet, but earlier today, I was just about done freezing my credit on Equifax website when it timed out. I tried again tonight and once I got in, the only options I had was to temporarily or permanently remove the freeze. This means, I think, that my credit...
by Triple digit golfer
Fri Sep 15, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax question - credit monitoring
Replies: 3
Views: 403

Equifax question - credit monitoring

Hi all, I wanted to sign up for credit karma free credit monitoring, but unfortunately I did not attempt to do so until AFTER I had frozen my credit with TransUnion and Experian. I have not been able to get through with Equifax but will be freezing with them too. I did sign up with Equifax for their...
by Triple digit golfer
Tue Aug 22, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 4902

Re: Weightlifting Equipment for Home Gym

I have done variations of Starting Strength and Stronglifts style workouts. The basic A-B-A, B-A-B 3 day per week full body routine, 3 exercises per day. I have this and have been using it regularly (for the most part) for the better part of 5 years and it is awesome. https://www.amazon.com/Powerlin...
by Triple digit golfer
Tue Aug 22, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 57
Views: 12326

Re: I'm Giving Up Golf

I bet you could still kick my ass.

(Actually, I'm not THAT bad anymore - I regularly shoot 45-50 for nine holes on a par 36).
by Triple digit golfer
Tue Aug 22, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5943

Re: Safe car for wife and baby

I should note that neither my wife or I really WANT a new car - we're both very happy with her driving the Civic. Literally the ONLY reason we're even thinking about this is safety. And she's not even concerned, it's all me and my constant worrying. She says she feels safe in and loves driving the ...
by Triple digit golfer
Tue Aug 22, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5943

Re: Safe car for wife and baby

Wow, 54 replies. I read every one of them. I don't know that we really have a specific budget, but we can certainly afford a vehicle - we have two cars, a 2013 Accord and a 2016 Civic that we own outright. Net worth $600k. Only debt is the mortgage. Given that her commute is 36 miles each way and ha...
by Triple digit golfer
Sun Aug 20, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5943

Safe car for wife and baby

My wife is due to have our first child in about six weeks. She drives a 2016 Honda Civic, which was highly ranked by the NHTSA and IIHS. It was a 5 star and Top Safety Pick. However, common sense (or maybe not) tells me that a larger car like an SUV or a larger sedan would probably be safer in the e...
by Triple digit golfer
Fri Aug 18, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Live TV internet streaming - 30 vs 60 fps
Replies: 10
Views: 1215

Re: Live TV internet streaming - 30 vs 60 fps

Thanks all for your responses. I bought the Amazon Fire TV box and it is MUCH better on Playstation Vue. Sports and news are smooth and not herky-jerky anymore. On Hulu they still look herky-jerky, which makes sense because I believe Hulu is all at 30 fps. Looks like it's Playstation Vue for me, eve...
by Triple digit golfer
Thu Aug 17, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Live TV internet streaming - 30 vs 60 fps
Replies: 10
Views: 1215

Live TV internet streaming - 30 vs 60 fps

I (finally) bought an Amazon fire stick and signed up for free trials to Playstation Vue and Hulu with Live TV. Playstation Vue : the guide is very slow (2-3 second lag every time) and sports are sort of choppy. Hulu : very fast, but sports are choppy, like in Playstation Vue. I believe Playstation ...
by Triple digit golfer
Mon Aug 14, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Home security system
Replies: 12
Views: 1383

Re: Home security system

I am questioning whether I even want to keep this system. Don't get me wrong, it works very well as designed, to deter burglars and alert authorities, and I have zero complaints about the system, but the important thing for me is to ensure that my family is safe. I'm more concerned about a home inva...
by Triple digit golfer
Thu Aug 10, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Home security system
Replies: 12
Views: 1383

Re: Home security system

t60 wrote:Cameras seen from the street will deter low level cat burglars, but will increase your risk from the high end home invaders. Most people shouldn't worry about this, but if you're paranoid like me..
Thanks - why do you feel that cameras seen from the street will increase risk from home invaders?
by Triple digit golfer
Thu Aug 10, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Home security system
Replies: 12
Views: 1383

Home security system

Hi all, I ordered a home security system from Simplisafe this week. Along with the standard command center and keypad, it comes with 5 door/window sensors, a motion sensor, a glass break sensor, and an indoor camera. I have a few questions/areas of concerns that I was hoping to get some opinions on....
by Triple digit golfer
Thu Aug 10, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4613

Re: Good camera - new baby coming

All, I know it has been almost two months, but I wanted to say thank you to all of you for your suggestions and insight. We decided to go with the Panasonic Lumix FZ80. I admittedly don't know how to use it yet, but my wife has learned some things and is very happy with it. Coming from a guy who has...
by Triple digit golfer
Mon Jun 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4613

Re: Good camera - new baby coming

Thank you, everybody. I've read all of your replies and they are appreciated. Neither of us are professional photographers or anywhere close, so we definitely don't want a difficult to use DSLR camera or one that requires changing lenses or settings frequently. I like that the Sony RX100 lets you ch...
by Triple digit golfer
Mon Jun 19, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4613

Good camera - new baby coming

With a baby due in a few months, my wife wants to buy a good camera. I would like recommendations on what qualities I should be looking for in a "good camera." She wants to be able to take "those pictures where the baby will be clear but everything in the background is blurry." All kidding aside, we...
by Triple digit golfer
Tue Jun 13, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 1253

Re: Lithium ion yard equipment batteries

The Brand is Black & Decker. The weed wacker and blower with two batteries and charger were $100, so not a big deal if I only get a couple seasons out of them before throwing them away in frustration or the batteries just poop out. This is the combo I bought: http://www.homedepot.com/p/BLACK-DECKER-...
by Triple digit golfer
Tue Jun 13, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 1253

Lithium ion yard equipment batteries

Hi all, I just swapped my electric weed wacker for a battery-operated one (also bought a blower) because I was so tired of fighting with the extension cord and having to navigate around all my trees and bushes and running the cord into downspouts. I love the convenience of the battery-operated equip...
by Triple digit golfer
Thu May 04, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 2491

Road trip to western states

My wife and I would like to take a driving trip out west to see, well, whatever it is that people love out there. The Grand Canyon, national parks, Rocky Mountains, and anything and everything else there is to see. Being from the Chicago area and never going further west than Iowa, I know there is a...
by Triple digit golfer
Mon Apr 03, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the time to invest?
Replies: 6
Views: 1063

Re: Is this the time to invest?

onourway wrote:Think of it this way - if you had received this inheritance in the form of an investment (in a vehicle that agreed with you) would you cash it out today only to invest it all back in little by little?


That is the best argument I've heard for these situations. Well said!
by Triple digit golfer
Fri Mar 24, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 7287

Re: What online bank do you use?

I've been using solely Ally for seven years now and I am satisfied and would wholly recommend them.
by Triple digit golfer
Mon Mar 20, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 9325

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people? Modem: m Router: m Cheap bundle. Don't know if it's any good in your situation. NETGEAR Smart WiFi Router AC1750 Dual Band Gigabit & High Speed DOCSIS 3.0 Cable Modem Bundle $69.98 & FRE...
by Triple digit golfer
Wed Mar 08, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3214

Re: Small (but Significant) Milestone

Excellent! That makes two of us who need to change our usernames*!

*Based on double digit score for nine holes.
by Triple digit golfer
Tue Mar 07, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 9325

Re: Tell me about Smart TVs and cutting cable

I just purchased the $69.98 bundle. Thanks again, inbox788!
by Triple digit golfer
Tue Mar 07, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 9325

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people? Modem: m Router: m Cheap bundle. Don't know if it's any good in your situation. NETGEAR Smart WiFi Router AC1750 Dual Band Gigabit & High Speed DOCSIS 3.0 Cable Modem Bundle $69.98 & FRE...
by Triple digit golfer
Mon Mar 06, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 9271

Re: How much do you spend on food in a year?

Last year my wife and I spent $13,000 in a category where I lump in groceries (including non-food), restaurant meals, and entertainment (golf, movies, etc.).

If I had to guess, I'd say that food was around $8,000. Working on getting that down this year due to fewer restaurant meals.
by Triple digit golfer
Sun Mar 05, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 9325

Re: Tell me about Smart TVs and cutting cable

Would these two be a a good combo with a 10 mbps internet for a 2,000 square foot house with two people?

Modem: https://www.amazon.com/ARRIS-SURFboard- ... oard+modem

Router: https://www.amazon.com/NETGEAR-AC1750-R ... reports-20
by Triple digit golfer
Sun Mar 05, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 9325

Re: Tell me about Smart TVs and cutting cable

One final question, hoping for some personal experiences. I read some prior threads and Googled a bit and can't seem to find a definitive answer. I want to stop renting my Comcast modem and router and buy one. Is an "N" modem adequate or is "AC" recommended? House is 2,000 square...
by Triple digit golfer
Sun Mar 05, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

Great info, thanks very much!
by Triple digit golfer
Sun Mar 05, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

That lawn looks very doable for a fall overseed. I would not change any recommendations. Just hand toss extra seed on the completely bare areas when you do. You will likely make a good deal of headway before you overseed this year with good fertilization, early and aggressive weed control, and good...
by Triple digit golfer
Sun Mar 05, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

The spot by the fence is low and a lot of water flows there. Now we're talking drainage issues. How long does the water stand in that spot? It could cause the fence to prematurely rot if water pools up there for an excessive amount of time. You're also not going to get good grass growth in a water-...
by Triple digit golfer
Sun Mar 05, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

I don't know if they had a dog. They moved out before the house went on the market. I'll ask the neighbors. The spot by the fence is low and a lot of water flows there. So what's the consensus? Use weed killer or not this year? I'm inclined to skip it and focus solely on the lawn this year. I'm lean...
by Triple digit golfer
Sun Mar 05, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

Yep, that's me! Hopefully soon I'll get some replies. I have a moderate amount of weeds. Nothing crazy. I'm more concerned with getting a thick lawn. I can deal with weeds next year. I think a thick lawn will take care of some of the weeds anyway. I may just use regular fertilizer and then spray wee...
by Triple digit golfer
Sun Mar 05, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

jebmke wrote:When you go to upload there is a drop down box to resize the photo to "message board" size.


Thanks!
by Triple digit golfer
Sun Mar 05, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

These are pics of the backyard from this morning:

Image

Image
by Triple digit golfer
Sun Mar 05, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

Edited post below.
by Triple digit golfer
Sat Mar 04, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

Is overseeding going to be adequate for the bare spots or do I need extra seed on those spots? I was just outside and there are a heck of a lot of bare spots that are just mud right now.
by Triple digit golfer
Sat Mar 04, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

I used to work for Scotts as a lawn tech (so I don't actually know that much, lol) but I'll toss my 2 cents in as we had a similar issue and revitalized our Midwestern backyard rather easily: 1. Wait til fall for the general overseed. You could try the EZ seed on a few bad spots now if you're atten...
by Triple digit golfer
Sat Mar 04, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

I did some reading on Milorganite and also on weed and feed. I feel comfortable using EZ Seed on bare spots in April, watering well, then using Milorganite mixed with some standard seed around Memorial Day on the entire lawn. This will be six weeks after the seeding on bare spots is done so it'll be...
by Triple digit golfer
Fri Mar 03, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

OP here. I did a little research tonight. Seems this product (Scotts EZ Seed) has some great reviews. It is a seed, fertilizer, and mulch all in one. m I will probably give the EZ Seed a shot in the spring on the bare areas. Then shortly after, do the entire lawn with a starter lawn fertilizer with ...
by Triple digit golfer
Fri Mar 03, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4732

Re: Giving my lawn the TLC it needs

Why do you think the spots are bare? If somebody spilled gasoline on them or dropped some weed killer there or overfertilized with "weed & feed", then unless you do some remediation, I don't think grass will grow well in those spots. I have no idea. Maybe "very thin" is the ...