Search found 905 matches

by Jackson12
Wed Oct 03, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6694

Re: Why is Home Part of NW [Net Worth]

We don't include our home as part of our net worth. Perhaps thats a debatable stance in some areas of the country but homes appreciate slowly here, if at all, and they also lose significant value in some years. We still remember 2008. So coming up an accurate number for our home's value might be wel...
by Jackson12
Fri Sep 28, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

We have been using Bosch dishwashers for the last 15 years. Just replaced the first one this year when the old one started having some issues. Never had an odor problem. We only scrape chunks off dishes but do not rinse. I clean the filter a few times per year max. The new one does not dry as well ...
by Jackson12
Fri Sep 21, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Legal? Employer changing employees to new health insurance plan before currrnt health plan contract expires
Replies: 24
Views: 1856

Re: Legal? Employer changing employees to new health insurance plan before currrnt health plan contract expires

Yes, it is legal. Healthcare is a voluntary benefit, they could just cancel it if they wanted. I'll bet language to that effect is in your employee handbook. Now if you had a contract...or better, a union negotiated contract...then you might have some protection. (There was a post a while back by s...
by Jackson12
Fri Sep 21, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Legal? Employer changing employees to new health insurance plan before currrnt health plan contract expires
Replies: 24
Views: 1856

Re: Legal? Employer changing employees to new health insurance plan before currrnt health plan contract expires

It does feel odd that they would do it this late in the calendar year - from the sounds of it the changeover will take place in October or so. A lot of confusion and frustration for employees for a 10 week program savings. Was there any change in corporate structure in recent months (new ownership,...
by Jackson12
Fri Sep 21, 2018 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Legal? Employer changing employees to new health insurance plan before currrnt health plan contract expires
Replies: 24
Views: 1856

Legal? Employer changing employees to new health insurance plan before currrnt health plan contract expires

After over 10 years with the same employer, the health insurance changes listed below are unprecedented and a shock to employees, as we didn’t see it coming and will raise premiums significantly. Maybe it’s not as unusual as I assume. I’d appreciate any feedback. Here is how the health insurance enr...
by Jackson12
Sat Sep 01, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

Is it normal for there to be some water under the filter area, in what looks like a little hole? It’s a little pool of water. The odor is gone. All dishwashers will have some water in the sump after use because the pump can’t remove everything once it starts sucking air. Ditto a clothing washer. If...
by Jackson12
Fri Aug 31, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

Is it normal for there to be some water under the filter area, in what looks like a little hole? It’s a little pool of water. The odor is gone. All dishwashers will have some water in the sump after use because the pump can’t remove everything once it starts sucking air. Ditto a clothing washer. If...
by Jackson12
Fri Aug 31, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

Is it normal for there to be some water under the filter area, in what looks like a little hole? It’s a little pool of water. The odor is gone.
by Jackson12
Fri Aug 31, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 92
Views: 9480

Re: Bosch dishwasher?

Here’s our update. Our relatively new Bosch has developed odor issues. I spent last night cleaning every part I could , looking at TouTube videos, and discovering how many others have similar issues. This is the 2nd time in a week I’ve cleaned everything and that’s on top of cleaning the filter regu...
by Jackson12
Fri Aug 31, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

michaeljc70 wrote:
Fri Aug 31, 2018 4:12 am
No odor. I've had Bosch dishwashers for the last 15 years. Never a service call or issue either.

I haven't heard anyone point to a design difference that would cause such a thing only in Bosch dishwashers either. Sounds like installation or usage issues.
How often do you clean the filter?
by Jackson12
Fri Aug 31, 2018 2:14 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

I’ve thoroughly cleaned the filter, etc and am set to get the hose configured properly. However, I noticed that there was some standing water in the “ trap” or whatever area is under the filter area. Based on some YouTube videos, this appears normal but I don’t recall the water remaining ..not ever ...
by Jackson12
Thu Aug 30, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

I’m a bit nervous about vinegar pitting the stainless steel.
by Jackson12
Thu Aug 30, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

I have a Bosch too and this is what the salesman told me. You need to clean out the internal filter in the bottom of the machine every couple of months. It is located under the metal mesh screen under the bottom arm. Scrub it with an old toothbrush. You also should run white vinegar through the dis...
by Jackson12
Thu Aug 30, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

If you haven't already, first confirm that the drain hose is installed properly. The hose has to go up to the bottom of the counter-top and then down before it connects to the drain under the sink. This "high loop" is required unless you happen to have an air gap where the drain is connected. Also,...
by Jackson12
Thu Aug 30, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Re: Bosch dishwasher odor

I've had Bosch dishwashers for 4 years. Never had a problem. But I like to rinse the food particles of the plates before loading them. Bosch doesn't have a mechanical grinder, so food particles may get stuck and start to decay... Is this what you're smelling? No, we rinse before loading. We use the...
by Jackson12
Thu Aug 30, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4829

Bosch dishwasher odor

We bought a Bosch in September of 2017 ( when I started this thread I mistakenly believed we’d bought it more recently) It’s been a dream for nearly a year, until recently, when it started getting this disgusting weird odor. We cleaned the filter thoroughly, even though we’ve kept it clean anyway. T...
by Jackson12
Fri Aug 17, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

Ironically, I have a 54-unit five story building that overlooks my backyard and I like it. Admittedly, it was there before I purchased my home and is comprised of $200-$300k condos (which is probably "affordable housing" in Seattle!) And my city actually requires developers to have a certain percen...
by Jackson12
Thu Aug 16, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

OP, If your friend is in one of the "close-in" Seattle neighborhoods, chances are the effect will not be too great. Most of the new construction within the city limits consists of very vertical townhomes with four units built on what was the lot for a single family home. Chances are the area where ...
by Jackson12
Thu Aug 16, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 57
Views: 9350

Re: This is not a typical medical collections issue- what to do?

I am another person impacted by Confrimatrix fraud and the company has my real name and SS info.. URGH ! The collection agency trying to collect fraudulent debt has not provided proof of lab work and said a letter from Doctor would not resolve me of this debt. I've contested the debt and was instru...
by Jackson12
Thu Aug 16, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 57
Views: 9350

Re: This is not a typical medical collections issue- what to do?

I am another person impacted by Confrimatrix fraud and the company has my real name and SS info.. URGH ! The collection agency trying to collect fraudulent debt has not provided proof of lab work and said a letter from Doctor would not resolve me of this debt. I've contested the debt and was instru...
by Jackson12
Thu Aug 16, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 57
Views: 9350

Re: This is not a typical medical collections issue- what to do?

I am another person impacted by Confrimatrix fraud and the company has my real name and SS info.. URGH ! The collection agency trying to collect fraudulent debt has not provided proof of lab work and said a letter from Doctor would not resolve me of this debt. I've contested the debt and was instru...
by Jackson12
Thu Aug 16, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

Would she really face a financial loss if she stayed put and sold after the unit was constructed? yes, most likely - the 'affordable housing' is created at expense of people like her. I lived in Chicago for decades and can tell you it is a very bad thing for your neighborhood which is also reflecte...
by Jackson12
Thu Aug 16, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

Yes, I would think she is facing an upcoming loss. Think of it this way. If there was another house exactly like hers and priced the same as hers, would a buyer want to buy the one in the shadow of a high-rise or the one that isn't? Apparently she has not been active in the local zoning and propert...
by Jackson12
Thu Aug 16, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

Those factors are the same whether poor folks live in the building or it is billionaires living there. Right. I'm skeptical that a seven-story luxury building would be kinder to her light. This is true and she was also wondering about the effect of increased traffic. In her neighborhood< things are...
by Jackson12
Wed Aug 15, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Re: Seattle- mandatory affordable housing units affect single family home values?

This is true . And I found references which indicate affordable housing units have no effect on home value so I think she should focus on the way her homes natural light and view may affect a sales price,. https://www.trulia.com/research/low-income-housing/
by Jackson12
Wed Aug 15, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 47
Views: 3522

Seattle- mandatory affordable housing units affect single family home values?

A friend in Seattle discovered that a 7 story “ affordable housing” unit is being constructed on land directly behind her home, just beyond her small fenced yard and the alley. Besides the short-term inevitable construction noise and traffic, her home will have less natural light due to the way the ...
by Jackson12
Tue Aug 14, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 20
Views: 1556

Re: Help explain TIAA Traditional to me

What happens to a TIAA Traditional account if the owner dies and their spouse inherits the account? Is this a situation where there is no step up in basis available and thus a large taxable event for the surviving spouse? I have been feeling good about my TIAA Traditional account and I too have bee...
by Jackson12
Sat Aug 04, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else experiencing weird glitches with Vanguard phone system and on balance holdings page,
Replies: 0
Views: 196

Anyone else experiencing weird glitches with Vanguard phone system and on balance holdings page,

This is the situation : As I periodically do, I checked my Vanguard funds balances. Because I have the option of manually adding Outside holdings (cash, equities, employer retire,ent account holdings etc), I have done so. Vanguard, of,course, does not manage these assets because they’re not held at ...
by Jackson12
Thu Aug 02, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Health and cognitive issues at age 80 and beyond...and managing finances
Replies: 17
Views: 2279

Re: Health and cognitive issues at age 80 and beyond...and managing finances

That is disappointing. It still seems to be rare. Did the bank eventually agree to refund the fees or did it take a court order? They returned a potion. Most of it. We settled to avoid higher legal costs. Then we paid the attorney who was both extremely competent and sympathetic and so he charged r...
by Jackson12
Thu Aug 02, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Health and cognitive issues at age 80 and beyond...and managing finances
Replies: 17
Views: 2279

Re: Health and cognitive issues at age 80 and beyond...and managing finances

Gill » Wed Aug 01, 2018 5:56 pm ralph124cf wrote: ↑Wed Aug 01, 2018 5:21 pm I understand that bank trust departments are not great, but they may be the only game in town. Ralph Sad to hear such a comment after spending my entire career managing the financial lives and many related personal matters ...
by Jackson12
Wed Aug 01, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental, etc.
Replies: 24
Views: 1583

Re: Medicare supplemental, etc.

We are new to the medicare game. Wife approaching 65 in next 6 months. Any recommendations on supplemental insurance? Anything we need to be careful about before choosing? We are in good financial shape and haveno major medical issues at this time if that helps you. Thanks for the input. Can we ass...
by Jackson12
Wed Aug 01, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Health and cognitive issues at age 80 and beyond...and managing finances
Replies: 17
Views: 2279

Re: Health and cognitive issues at age 80 and beyond...and managing finances

A couple of quick notes for you on what works for us for my parents. We are 59, they are 85. For example, if he were to tell me to sell everything and invest all in gold or some real estate venture, I could choose to talk him out of it or if he were in such a poor mental state that talking would do...
by Jackson12
Wed Aug 01, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6129

Re: Consistently over budget on food - what are you guys eating?

The wife and I have a $700 budget for food, however every month we seem to come to that limit or even over it. On some of the threads here I am seeing families having a food budget lower than us and I'm trying to understand what my wife and I are doing wrong as $700 seems high to me, but we continu...
by Jackson12
Wed Aug 01, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Health and cognitive issues at age 80 and beyond...and managing finances
Replies: 17
Views: 2279

Health and cognitive issues at age 80 and beyond...and managing finances

I hope this post pertains to this board and is acceptable. If not, simply remove. This is not an post aimed at medical diagnosis or advice. While I know “ averages” don’t address individual health and cognitive history, i’ve been reading about the “typical” cognitive and health issues of those age 8...
by Jackson12
Mon Jul 23, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: LTC Insurance: How to buy it?
Replies: 20
Views: 1236

Re: LTC Insurance: How to buy it?

As I look at the future, LTC is the one thing that can bury us. One of my buddies is taking care of his dad, and right now they had to put him in a LTC facility, paying $7K per month. They are worried about blowing through all his assets, his mom is still alive and healthy - they are jumping throug...
by Jackson12
Mon Jul 23, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: LTC Insurance: How to buy it?
Replies: 20
Views: 1236

Re: LTC Insurance: How to buy it?

As I look at the future, LTC is the one thing that can bury us. One of my buddies is taking care of his dad, and right now they had to put him in a LTC facility, paying $7K per month. They are worried about blowing through all his assets, his mom is still alive and healthy - they are jumping throug...
by Jackson12
Thu Jul 19, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 858

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Apparently there may be financial motivation to classify patients as observation status rether than inpatients. “in the past six years, the use of observation status has roughly doubled. And according to a government study, last year more than 600,000 Medicare patients were in the hospital for at le...
by Jackson12
Thu Jul 19, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7202

Re: Families - What's your total annual credit card spen

So I gather you guys are doing this for the rewards? Do you pay the balance in full each month? Yes and Yes. I can't even remember a time that I've paid any interest on a credit card. Rewards, consumer protection, warranties, car rental insurance, trip insurance protection, are all benefits to usin...
by Jackson12
Thu Jul 19, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 858

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

As I understand it, you pretty much have to ask hospital staff whether you're an inpatient or not. I've read somewhere that you ought to demand to be admitted as an inpatient, although I don't know how that would go over. I believe there are financial incentives for the hospital NOT to admit you as...
by Jackson12
Thu Jul 19, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 858

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

dcb wrote:
Thu Jul 19, 2018 10:13 am
Just to clarify. Unless the rule has changed recently, the 3-day rule is not three full days but must include three midnights.
Thank you. That’s an important distinction.
by Jackson12
Thu Jul 19, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 858

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Some Accountable Care Organizations were given an exemption from the 3-day rule for certain patients, maybe your friend is one of them. After seeing your reply I did a search and found this link, updated recently. It seems related : https://www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/shar...
by Jackson12
Thu Jul 19, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 858

Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

We have been researching Medicare supplemental plans. A friend who is already enrolled in a Medicare supplement plan insisrs that her plan precludes the standard Medicare requirement to “be in a hospital for at least 3 days ( fully admitted, not just under observation ) before entering a Medicare ap...
by Jackson12
Sat Jun 09, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Retirement, allocation, & Fear
Replies: 15
Views: 1925

Re: Retirement, allocation, & Fear

I do have some personal experience with 403b plans which offer TIAA Traditional. It is similar to a bond fund in some ways and has a guaranteed interest rate. TIAA traditional accounts are guaranteed against a loss of principal. The specific guaranteed interest rate depends on when the contract was ...
by Jackson12
Tue Jun 05, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need motivation - how much did you lower expenses by downsizing ( if you did)
Replies: 11
Views: 1742

Re: Need motivation - how much did you lower expenses by downsizing ( if you did)

I've been downsizing and simplifying since the day I retired and the feeling of emancipation is amazing. The actual move takes place soon and that's when the real adventure begins. Can't wait. Thanks to everyone who replied so far. We’re already going through our possessions and paring down. So muc...
by Jackson12
Tue Jun 05, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 620
Views: 75910

Re: How much money do you want to retire?

3 million plus, mostly due to a special needs kid who’ll always need a special needs trust plus SSDI. Extra funds for the sibling who will need to watch over him.

Goal is 3 million and we still worry it’s not enough to support the 3 of us.
by Jackson12
Tue Jun 05, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need motivation - how much did you lower expenses by downsizing ( if you did)
Replies: 11
Views: 1742

Need motivation - how much did you lower expenses by downsizing ( if you did)

Please be kind. Even if the answer seems obvious it’s surprisingly hard for us, 2 people who usually make reasonable financial decisions. We’re near retirement and very torn about downsizing. We have been frugal, live within our means and have no debt. Our house is where our logic, emotion, and perh...
by Jackson12
Tue May 29, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 57
Views: 9350

Re: This is not a typical medical collections issue- what to do?

Thank you for the quick response. I’ll definitely follow your advice and request the debt verification. I’ll also submit a complaint to my state’s consumer protection agency since this is clearly a scam by Confirmatrix and/or the collections agency. The funny thing is, the debt collector even admit...
by Jackson12
Thu May 24, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 8494

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

There have been some discussions about long term care expenses on the forum, and I've found these to be very valuable. I just attended a session presented at the Banner Alzheimer's Research Institute in Phoenix that shed some additional light and concerns that I thought I'd like to share. The Banne...
by Jackson12
Wed May 23, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 57
Views: 9350

Re: This is not a typical medical collections issue- what to

Hello, I was hoping you could provide an update on your situation. I was recently contacted by a collections agency for the same exact problem - a supposed unpaid debt from Confirmatrix from 3 years ago. My doctors office is providing no assistance. The collections agency trying to charge me over $...
by Jackson12
Sun May 20, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 13370

Re: Helping Adult Children (but not too much)

Our daughter graduates college this weekend. She's debt free, owns her 3 year-old car outright, has about $3K in a Roth-IRA plus another $1K in savings and an "okay" (money-wise) job lined up. So she off to a decent start. Until now we've subsidized her through car insurance, mobile phone, grocerie...