Search found 922 matches

by Jackson12
Sat Nov 24, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1039

Re: Select Cobra or other short term health insurance?

After doing some research and If I’m understanding correctly, if she kept her job for even one day in December, she and her spouse wouldn't face a penalty for not having minimum essential coverage during any part of 2018 ..in this case, December. I could be misinterpreting the requirements. She say...
by Jackson12
Sat Nov 24, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1039

Re: Select Cobra or other short term health insurance?

After doing some research and If I’m understanding correctly, if she kept her job for even one day in December, she and her spouse wouldn't face a penalty for not having minimum essential coverage during any part of 2018 ..in this case, December. I could be misinterpreting the requirements. She says...
by Jackson12
Fri Nov 23, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1039

Re: Select Cobra or other short term health insurance?

I think she'd have at least the following options: 1. Buy an ACA-compliant policy through Healthcare.gov to cover the period before she gets the employer coverage. These plans are pricey because they include key ACA provisions including no cap on benefits and pre-existing conditions are OK. You sho...
by Jackson12
Fri Nov 23, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1039

Select Cobra or other short term health insurance?

Here’s the situation : A cousin, married, has accepted a new job which starts a month after she receives her last paycheck from her current employer. Her last day with her current employer is within the week and her employer health insurance benefits, with significant employer contributions, end rel...
by Jackson12
Thu Nov 01, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Drop son from employer insurance when accepted for full Medicaid?
Replies: 5
Views: 757

Re: Drop son from employer insurance when accepted for full Medicaid?

Medicaid is administered by the State, so make sure to check with yours. In MA it is under MassHealth. MassHealth appears to prefer to be a secondary insurance with the employer provided insurance as primary when that is an option. With our adult disabled son, MassHealth is his secondary and they a...
by Jackson12
Thu Nov 01, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Drop son from employer insurance when accepted for full Medicaid?
Replies: 5
Views: 757

Re: Drop son from employer insurance when accepted for full Medicaid?

I agree with Silk that you shouldn't drop until 100% sure of no meaningful benefits to being on the employer insurance due to the possible inability to add him back on. It's great to hear that his current medical professionals accept Medicaid and his costs are covered via that program, but not all ...
by Jackson12
Thu Nov 01, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 994

Re: Best and reasonably priced moving companies for cross country move

We did a move from Massachusetts to Chicago using 1-800-packrat. They are a service similar to PODS and ABF UPack. We got a 16x8x8 foot container and filled it only a little over half way. Moved a ~1000sqft apartment with limited furniture (no kitchen appliances, mattresses, or couches). On the sta...
by Jackson12
Thu Nov 01, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 994

Re: Best and reasonably priced moving companies for cross country move

Consider- PODS https://www.pods.com/?eadid=phone::8884959783&kpid=GOOGLE_149304315_10988961075_269414206464_kwd-47924811_c&ksprofid=3123&ksaffcode=kw630&ksdevice=c&utm_content=residential&gclid=CjwKCAjwpeXeBRA6EiwAyoJPKp8bYI9ivXqnMd58qTuci5cEb4vFMWavyUjroA77La7tzyol9U9xehoC6LYQAvD_BwE Thanks. I’ll ...
by Jackson12
Wed Oct 31, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 994

Re: Best and reasonably priced moving companies for cross country move

Is there a question? Who are "they"? I’ll correct the initial post..which I just did, . They are a nephew and his wife, plus a dog and cat. They’re driving themselves and pets. Possessions are going separately. They can’t drive a U haul themselves for various reasons plus they need to get their car...
by Jackson12
Wed Oct 31, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Drop son from employer insurance when accepted for full Medicaid?
Replies: 5
Views: 757

Drop son from employer insurance when accepted for full Medicaid?

The situation: We have a disabled son who was approved for the level of Medicaid where doctor and hospital costs are covered as well as with our employer insurance options. But we’re new to all this. We’d appreciate feedback from anyone who understands the workings of Medicaid and health insurance f...
by Jackson12
Wed Oct 31, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 994

Best and reasonably priced moving companies for cross country move

A nephew and his wife are moving from Seattle to Chicago. They’ve heard horror stories about various moving companies and are trying to find recommendations from people who’ve had good experiences with particular companies. Any recommendations? , They’re selling or donating whatever they can and tak...
by Jackson12
Fri Oct 19, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 694

Re: special needs family member approved for Medicaid coverage, need advice

Our son was first eligible for SSI which makes MediCAL (California)/Medicaid automatic. In my state, primary insurance is first and MediCAL is second. However, it sounds like primary insurance is not available to your son so Medicaid would indeed be primary. (We experienced the same thing when we l...
by Jackson12
Fri Oct 19, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 694

Re: special needs family member approved for Medicaid coverage, need advicekity

Your question is very timely as our son was very recently approved for Medicaid. Our coverage date was retroactive back a few months so we are in the process of having bills we already paid resubmitted so they run through Medicaid. Once those doctors/pharmacists are paid by Medicaid, they refund us...
by Jackson12
Fri Oct 19, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 694

Re: special needs family member approved for Medicaid coverage, need advice

dm200 wrote:
Fri Oct 19, 2018 11:15 am
Is there some kind of social worker assigned or involved?
There is a local state agency and I’ll call them for input. Replies aren’t quick but they do get back to me, eventually. No complaints.
by Jackson12
Fri Oct 19, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 694

Re: special needs family member approved for Medicaid coverage, need advice

Can't you tell your employer now the date you want the coverage terminated? I certainly wouldn't want to terminate it before the Medicaid coverage starts. Yes, I believe we can. I left a message for the Human Resources and benefits rep at work. The timing is almost ideal because the new enrollment ...
by Jackson12
Fri Oct 19, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 694

special needs family member approved for Medicaid coverage, need advice

We’re new to this. Our special neeeds child was approved for full coverage under Medicaid and it will start early November. We looked at local providers and it does seem like some approved providers are good options ( we hope) However, he’ll need to stop seeing his current physician as he doesn’t ta...
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: 6890

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: 6110

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: 1948

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: 1948

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: 1948

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: 6110

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: 6110

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: 6110

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: 9646

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: 6110

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: 6110

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: 6110

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: 6110

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: 6110

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: 6110

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: 6110

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: 3624

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: 3624

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: 9502

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: 9502

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: 9502

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: 3624

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: 3624

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: 3624

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: 3624

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: 3624

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: 1645

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: 210

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: 2306

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: 2306

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: 1635

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: 2306

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: 6308

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...