Search found 336 matches

by GreenGrowTheDollars
Sun Jun 24, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 1820

Re: Thoughts on Canadian Universities [Dual US / Canadian citizen]

Does your daughter receive accommodations via an IEP or a 504 plan in her current high school? If so, please investigate whether/if/how those accommodations are handled in Canada. (In the US there are not IEPs for college but most students on an IEP can be transitioned into some form of a 504 plan, ...
by GreenGrowTheDollars
Thu Jun 21, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: I think I am going to put down 35-40% on a house
Replies: 12
Views: 1502

Re: I think I am going to put down 35-40% on a house

It is not always feasible, but we really appreciated the strategy of having a mortgage that was workable even if one of us wasn't working.
by GreenGrowTheDollars
Fri Jun 08, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5229

Re: daughter wants a college transfer?

Colby is full for transfers for fall, fwiw. There are still colleges with transfer openings on the NACAC (National Association for College Admissions Counseling) website - easiest if you download the list and then sort by state, imo. https://www.nacacnet.org/news--publications/Research/CollegeOpenin...
by GreenGrowTheDollars
Fri Jun 08, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2275

Re: Renter's Insurance for College Dorm

Both of my sons had policies through collegestudentinsurance.com (CSI - now Gallagher). NSSI is another company that offers student property insurance. These aren't normal renter's insurance policies but rather specialized policies for students. The advantage over homeowners insurance is the low de...
by GreenGrowTheDollars
Thu Jun 07, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3239

Re: Best insurer? Allstate vs chubb vs AAA or others

Not all insurers offer insurance in each zip code even if they sell insurance in that state. Though my adult daughter's previous policy was with State Farm in another state, they wouldn't write a renter's policy for her because her apartment on the 22nd floor was in an address in Manhattan that was ...
by GreenGrowTheDollars
Thu Jun 07, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 5891

Re: Severance Package Question

So, if you have working severance I think that also implies continued healthcare coverage -- which would have been the key request I'd have made. Other than taking a good hard look at your no-compete agreement and trying to negotiate a relaxation of restrictions in that, the financial package looks ...
by GreenGrowTheDollars
Thu Jun 07, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17944

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

"Upper Middle Class" and assets. Many parents who fall into the upper middle-class category (on the great NYT article) from an income perspective fail to take into account their assets. Colleges don't make that mistake. #1 problem -- home equity, especially in a HCOL may be a significant issue. Coll...
by GreenGrowTheDollars
Thu Jun 07, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17944

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Yep, that is totally a contributor to the student loan crisis and those millions of kids/parents paying sticker are partially subsidizing those of us who didn't; which in all honesty, I am not too comfortable with. Is that how it really works? I thought that grants and scholarships come out of endo...
by GreenGrowTheDollars
Tue Jun 05, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Employer Forcing Transfer of 529
Replies: 15
Views: 1950

Re: Employer Forcing Transfer of 529

Does the reporting requirement extend to your children's assets? If not, you can probably have the account re-titled in your child's name as owner. (Of course, at 18/19 (in Nebraska, I think) your kid could decide that a Corvette is more attractive than chemistry.
by GreenGrowTheDollars
Tue Jun 05, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17944

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

The IRS data retrieval tool did not work to pull in my data so I had to manually enter my 1040 info. I am not sure if using the IRS DRT if the fields come in shown online or not. Starting with 2018-2019 FA cycle, after many problems in the past, including major security breach, IRS DRT does not sho...
by GreenGrowTheDollars
Tue Jun 05, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Might one take social security before 70 because you would hit total family benefits earlier?
Replies: 32
Views: 2308

Re: Might one take social security before 70 because you would hit total family benefits earlier?

When I ran it, the suggestion was that I start claiming SS this month (I'm 62 heading towards 63 and married)...but I'm still working and earning more than SS max taxable income this year. Is there any advantage to claiming SS now in that case? On a closely related issue, if DH keeps working until J...
by GreenGrowTheDollars
Thu May 31, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17944

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Students can complete a FAFSA without providing parental information. If the student is a dependent student* AND a financial aid administrator at the student's college determines (however they do that) that the parents have not provided support for the student and are unwilling to provide FAFSA data...
by GreenGrowTheDollars
Thu May 31, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17944

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Many less selective private colleges give merit scholarships to half or more of the entering class. Better students can get bigger scholarships, but I see a lot of B- students who get significant merit money if they apply to the right colleges . Financial aid varies tremendously -- I've seen familie...
by GreenGrowTheDollars
Thu May 24, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Wisdom teeth removal and HSA
Replies: 9
Views: 993

Re: Wisdom teeth removal and HSA

Just to be clear: The procedure has to be on or after the date your HSA account is opened. That might not be the day you start work with the company.
by GreenGrowTheDollars
Wed May 23, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: 529 maximum contribution for myself as beneficiary
Replies: 4
Views: 438

Re: 529 maximum contribution for myself as beneficiary

Check and see if your 529 plan allows a 5-year contribution. Colorado's plan states: As an individual, you can make a lump sum contribution up to $75,000 (5-years at $15,000 for each year) to get the immediate benefit of five years’ worth of gift tax exclusions. For each and as many Beneficiaries as...
by GreenGrowTheDollars
Sat May 19, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2830

Re: Any experience with Blue Apron?

We've used Chef'd and really liked most of their meals. However, we don't set it up as a subscription -- just order as we want. For most meals for 2 we get 2 dinners plus a lunch for one of us. We like the NY TImes recipes and have made many of them subsequently ourselves since you get the menu card...
by GreenGrowTheDollars
Sun May 13, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 42531

Re: How to Minimize Your Emergency Care Expenses

I got a real lesson in why medical facilities don't want you taking a taxi or bus home by yourself from a procedure where you had amnesiac sedation when I accompanied a friend for her colonoscopy. After the procedure, she was awake and chatty. The doctor came in and told us that everything looked gr...
by GreenGrowTheDollars
Sun May 13, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 6972

Re: Cancer - tips?

You mentioned making sure that your life insurance is up-to-date. I suggest that you specifically check and update your beneficiaries on life insurance AND other financial accounts. Probably best if your wife is the beneficiary, with a per stirpes provision to pass any funds on to your kids in the a...
by GreenGrowTheDollars
Sun May 13, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does previous FAFSA apps affect future ones?
Replies: 7
Views: 685

Re: Does previous FAFSA apps affect future ones?

Since you have already retired, consider filing a Request for Special Circumstances Consideration at each of your students' colleges. You should include something that documents your date of retirement, and documentation of your post-retirement income. The college may make additional requests for su...
by GreenGrowTheDollars
Sat May 12, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5062

Re: College laptop for fall 2018 freshman

If your student will be majoring in certain disciplines (Engineering, Business, Architecture, Graphic Design, Computer Science) -- check with the department to see if they have specific recommendations/requirements. Also, software for college students is typically available at very low cost through ...
by GreenGrowTheDollars
Thu May 10, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Lost Beneficiaries - T. Rowe Price
Replies: 26
Views: 2101

Re: Lost Beneficiaries - T. Rowe Price

Note to self: add copies of relevant beneficiary forms for all accounts to my "going away" file to make life easier for heirs. It's a shame your dad was so careful to set up beneficiaries but an error in account transfer between custodians is undoing his careful preparations. For what it's worth, e...
by GreenGrowTheDollars
Thu May 10, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: How to pass life insurance proceeds from my parents' second to die policy on to my children tax free?
Replies: 17
Views: 1169

Re: How to pass life insurance proceeds from my parents' second to die policy on to my children tax free?

This situation sounds ripe for headaches - would your folks simply be willing to name the grandkids who are "adult enough" as direct beneficiaries? (And unless they allocated percentages of the benefits that are proportional to the number of kids each of you have, I don't think that you're likely to...
by GreenGrowTheDollars
Mon Apr 30, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 18288

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Don't look a gift horse in the mouth. Leases are generally a bad deal and if you can get out of this one, you'll like have much better options in a few weeks. Spending $400 or so for a two week car rental is minor in the course of things.
by GreenGrowTheDollars
Mon Apr 30, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2348

Re: Help me decide if I can afford to buy an apartment for parents

Doable, and as long as the apartment remains in your name, probably a decent long-term investment. Would you commit to using a big chunk of your bonus to pay down the mortgage more quickly? That would definitely reduce the risk. Might want to talk with a bank or credit union about obtaining a mortga...
by GreenGrowTheDollars
Mon Apr 30, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 18288

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

1. Let the dealer know that there is no cosigner available and that you're happy to return the car if that is an issue.
2. If yes, call Enterprise and rent a car for a couple of weeks until your mortgage closes.
by GreenGrowTheDollars
Sat Apr 28, 2018 8:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 408
Views: 39942

Re: Paid Off Mortgage Today

It will keep feeling better and better. Nice job!
by GreenGrowTheDollars
Sat Apr 28, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Century Link subcontracts land line local service?
Replies: 1
Views: 237

Century Link subcontracts land line local service?

I recently dropped long distance service on our landline*, and the new bill reflects a charge for dropping that service AND a charge for changing our local service provider. Since I hadn't requested any changes to local services, I asked why I had been charged and was told that Century Link had prev...
by GreenGrowTheDollars
Fri Apr 27, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1864

Re: COMCAST - Modem / Router recommendation

Warning: When you turn in your old Comcast modem, KEEP THE RECEIPT! They have a buggy system and you can find yourself getting charged repeatedly for modem rental. I went through months of this and was very thankful that I kept the proof that I'd turned it in. Reps would remove the charge, but some ...
by GreenGrowTheDollars
Fri Apr 27, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What type of lawyer handles will disputes?
Replies: 9
Views: 972

Re: What type of lawyer handles will disputes?

I was required to file an initial inventory, copy of the will and then annual reports for the six (!) years my dad's estate was open. (The company from which he retired was in bankruptcy/reorganization against which the estate was a claimant. Ugh.) Anyway, the probate court could (for a fee) provide...
by GreenGrowTheDollars
Fri Apr 27, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 3084

Re: how would you handle this--collecting life insurance

I am sorry for you loss. If you and your mom lived in the same state, I would file a complaint with your state's insurance regulator. When I did, I rather quickly got a call from the Executive Office resolutions folks and my problem was quickly resolved. They then requested that I promptly inform th...
by GreenGrowTheDollars
Wed Apr 25, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 4758

Re: HOA won't help.

Check with the Secretary of State for your state and see if there is a registration for the Homeowner's Association. My state requires annual registration, and the registration has to specify a contact and address for formal notifications. Send a certified letter, return receipt requested to the spe...
by GreenGrowTheDollars
Wed Apr 18, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Check my logic please (life insurance)
Replies: 19
Views: 1061

Re: Check my logic please (life insurance)

It is not a bad plan...but you might be able to do better. What are your specific goals? Have you thought about the impact of inflation on a $700K payout? For example, at 2.5% annual inflation rate, 20 years from now that $700K would have the purchasing power of $427K. I picked 20 years out because ...
by GreenGrowTheDollars
Tue Apr 17, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3507

Re: Medicare Questions

Unfortunately, consumers can't generally choose anesthesiologists. They are, in effect, monopolies at any given hospital, much like radiologists. There is no "willing buyer" "willing seller" helping to determine a market clearing price. Instead, whatever group the hospital chooses imposes whatever f...
by GreenGrowTheDollars
Tue Apr 17, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3507

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by GreenGrowTheDollars
Tue Apr 17, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: How to buy a gravestone online?
Replies: 8
Views: 708

Re: How to buy a gravestone online?

I didn't buy it on-line, but I just did it by phone and email. I asked the cemetery what monument makers were good. They gave me the name of two firms, and I picked one. (You also have to find out what specific rules the cemetery has on monuments.) I spoke with a woman at the monuments company, deci...
by GreenGrowTheDollars
Fri Feb 23, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 58
Views: 3329

Re: Auto insurance damage claim

Just put the $6700 they gave you for hail damage to the money they're now giving you for totaling the car. Then buy an equivalent used vehicle. :happy
by GreenGrowTheDollars
Mon Feb 05, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Question / Lay off Question
Replies: 5
Views: 773

Re: 401k Question / Lay off Question

Some employers (especially those with high job turnover with lots of hourly employers) don't allow workers to participate in the 401K for 3 or 6 months. Others let you start as of the 1st of the month after your first day of work. If you genuinely don't need the paychecks for the moment, upping your...
by GreenGrowTheDollars
Sun Feb 04, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1962

Re: 529 for private elementary school?

All it will take is for one state’s 529 plan to allow K-12 tuition, and anybody interested in a state refusing to allow them will head for the exits. Is there a precedent for this comment based on some other tax benefit? If I were in this situation, I would say, "man I wish I lived in that state." ...
by GreenGrowTheDollars
Sun Feb 04, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1962

Re: 529 for private elementary school?

All it will take is for one state’s 529 plan to allow K-12 tuition, and anybody interested in a state refusing to allow them will head for the exits. Could be. On the other hand, many states that allow income tax deductions only allow deductions if you contribute to the plans operated by your state...
by GreenGrowTheDollars
Sun Feb 04, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: 529 for private elementary school?
Replies: 26
Views: 1962

Re: 529 for private elementary school?

The IRS code allowed (but did not require) individual states to establish 529 college savings plans. Each state then passed legislation with specifics for that state's plan(s). Some states allowed tax deductions under certain circumstances. Some states were more limited than the limits imposed feder...
by GreenGrowTheDollars
Fri Feb 02, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: College student co-op, pre-med
Replies: 39
Views: 1725

Re: College student co-op, pre-med

Applying to medical school is very expensive. FIgure out the cost of MCAT prep course (a good one), MCAT, application fees, transcript fees, and then budget money for travel/lodging for interviews. You may not have any choice of interview dates, so even if you're applying to medical schools in the s...
by GreenGrowTheDollars
Thu Feb 01, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1795

Re: Pay off future DIL's school loans?

I'd wait at least a year after the marriage. There is a lot to be learned from having to pay on debt and making lifestyle choices accordingly. Then, if financial circumstances permit, I'd offer a challenge -- whatever they pay in student debt during the year, you'll match it, or you'll match 50%, or...
by GreenGrowTheDollars
Tue Jan 30, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Denver Metro Real Estate market
Replies: 17
Views: 1643

Re: Denver Metro Real Estate market

If you're going to be working in the Interlochen area, consider looking at parts of Arvada or Westminster for lower cost rentals. I'd rent before buying.
Lafayette may have some housing that is more affordable than Louisville. Schools are a bit more of mixed bag imo.
by GreenGrowTheDollars
Tue Jan 30, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 for grade school- help with strategy
Replies: 45
Views: 4456

Re: Using 529 for grade school- help with strategy

Colorado CollegeInvest suggests that 529 funds NOT be used for K-12 tuition until such time as the Colorado Legislature updates the state laws to be in accord with the new federal provisions. I don't know if there would be any issue with this for account holders from out-of-state, but I would want t...
by GreenGrowTheDollars
Mon Jan 29, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA--Do SS Survivor Benefits (in Trust) Count Against?
Replies: 10
Views: 876

Re: FAFSA--Do SS Survivor Benefits (in Trust) Count Against?

*Many selective private colleges use a different formula called the CSS/Profile. That system doesn't differentiate between parent and student assets. CSS/Profile is a reporting system; the calculations that use the reported data and determine financial aid awards are left to individual schools that...
by GreenGrowTheDollars
Mon Jan 29, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling Locked into a Job
Replies: 26
Views: 3287

Re: Feeling Locked into a Job

If you didn't buy the retirement credit and resigned after 10 years of employment, what would that mean for your retirement? If you DID buy the retirement credit and resigned after 10 years of employment, what would that mean for your retirement? Bonus: Is this a statewide plan where you can still p...
by GreenGrowTheDollars
Mon Jan 29, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Managing funds post-employment to pay for college
Replies: 8
Views: 703

Re: Managing funds post-employment to pay for college

What kind of return do you expect on the MBA? Does your current experience + MBA = a new job with a higher salary? $135k for a 1 year MBA? Whew. How many years of making $10k more will it take to pay that back plus being out of the job for 1 year? I assume you have to assume the MBA will get you fa...
by GreenGrowTheDollars
Mon Jan 29, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA--Do SS Survivor Benefits (in Trust) Count Against?
Replies: 10
Views: 876

Re: FAFSA--Do SS Survivor Benefits (in Trust) Count Against?

Yes, funds held in trust (UTMA) accounts need to be reported for FAFSA purposes and if reported like that will be assessed heavily in the FAFSA* formula. Trust assets need to be reported unless they are trusts designated by a court for medical/rehab purposes. Assets are valued on the date you file t...
by GreenGrowTheDollars
Mon Jan 29, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer Scottrade to Fidelity - Push or Pull?
Replies: 12
Views: 1126

Re: Transfer Scottrade to Fidelity - Push or Pull?

Fidelity's "pull" function had worked really well for us except with an attempted pull from Putnam. I put that on Putnam, since they were horrible to work with in every respect for more than three years.
by GreenGrowTheDollars
Mon Jan 29, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9527

Re: WHY do wireless routers need periodic reboots?

Thanks! Comcast owns it. I have refrained from buying one of my own because of how frequently I have to swap out their equipment. I have begun referring to them as Swapcast. I'll look in my electronics bin and see if I have an extra power supply from them. I have a ton of Comcast equipment from swa...