Search found 417 matches

by GreenGrowTheDollars
Thu Dec 05, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 363
Views: 32749

Re: Follow Up: Husband's Surprise Debts

1. Are all your credit cards and bank accounts set up to notify you via text of all transactions? I would set this up, pronto. We have US Bank for our checking - I suspect you might too given what you said about the HELOC. You can set up an alert for an amount exceeding $X where you get to specify t...
by GreenGrowTheDollars
Thu Nov 14, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3006

Re: Employer requesting increased travel

I've never understood the travel that is done by some people considering all of the other communications means possible. We had guys traveling daily for meetings which could easily been done by phone or video conferences. It is like some managers just can't let go of old methods. Similar to manager...
by GreenGrowTheDollars
Sat Nov 09, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10777

Re: Seller's agent not letting us use a buyer's agent

The issue is the Seller's agent doesn't want to pay your agent a commission when they did all of the work. Why would they? Your agent should have been "dragged" along to all of the showings, that's what they are there for. Redfin agents muddy these waters are they aren't full commission agents and ...
by GreenGrowTheDollars
Fri Nov 08, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion in year moved out of NYC? How taxed?
Replies: 3
Views: 268

Roth conversion in year moved out of NYC? How taxed?

How are state taxes on Roth conversions taxed for an individual who moved from NYC to Colorado mid-way through 2019? (Move was in May; the conversion would be in December.)
by GreenGrowTheDollars
Sat Oct 12, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Need help !!! US or Canadian universities?
Replies: 56
Views: 3589

Re: Need help !!! US or Canadian universities?

In which state do you live?
What does your son plan to study?
If he took the PSAT 10 or Pre-ACT, what scores did he earn? (For the most part, test scores are very important for driving down the cost of college.)
by GreenGrowTheDollars
Sat Sep 28, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3451

Re: What is protocol for cleaning house when moving?

Clean, gardening done, all trash gone.

I would not spackle.
by GreenGrowTheDollars
Sat Sep 28, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Pay-off mortgage before FAFSA?
Replies: 19
Views: 1425

Re: Pay-off mortgage before FAFSA?

You can estimate your FAFSA Expected Family Contribution (EFC) using https://studentaid.ed.gov/sa/fafsa/estimate The real problem is that the EFC is essentially only an index value. Other than qualifying the student for federal student loans & (if the family income is low enough) Pell grants, everyt...
by GreenGrowTheDollars
Fri Aug 23, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1481

Re: Title Insurance of REfi

It's not the case that the seller always pays for owners insurance. I think that depends on the state, or possibly even area. I've never seen that on any property I've bought. Title insurance is a pretty big scam in general. The state of IA saw this, and they put into place a much cheaper alternati...
by GreenGrowTheDollars
Fri Aug 23, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1481

Re: Title Insurance on Refi

My owner's title policy paid off in our first year of ownership when a subcontractor filed a mechanics lien after a dispute with the builder on the quality of the work. I sent the notifications to the title insurer and the problem was fully resolved within a month or so. My neighbors turned out to o...
by GreenGrowTheDollars
Fri Aug 23, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 32
Views: 3230

Re: Emergency medical insurance (Helicopter transport, etc)

As an EMS physician, I am well aware of the safety records of rotor wing services. Thank you for the article. One of the reasons why my paramedics cannot request air transport except in very few circumstances. As a former paramedic in the Seattle area, I am bound and determined to not be transporte...
by GreenGrowTheDollars
Fri Aug 23, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Health Insurance/Asset protection - Advice Needed
Replies: 13
Views: 493

Re: Short Term Health Insurance/Asset protection - Advice Needed

Is your spouse employed? Can you get health insurance through your spouse with better conditions? Your new employer's health plan looks pretty awful. I hope the rest of the benefits package is better. A short term plan sounds ideal at the moment...but longer term, a better insurance plan might be wo...
by GreenGrowTheDollars
Fri Aug 02, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 330
Views: 16730

Re: Long-Term Care Decision

Also, the likelihood of one spouse blowing through the entire $1.2 million on LTC is extremely low. "Sweetheart, we don't need long-term care insurance. If you spend most of our retirement savings paying for my care, you'll still have whatever's left over. You'll muddle through somehow after I'm go...
by GreenGrowTheDollars
Tue Jul 30, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Limited Purpose FSA - Ophthalmologist fees?
Replies: 3
Views: 254

Limited Purpose FSA - Ophthalmologist fees?

We have an HSA-compatible insurance plan. We also have a Limited Purpose FSA - aka a "HSA-Compatible Flexible Spending Account" in addition to our HSA. The limited purpose account can be used for dental and vision expenses beginning January 1. I have dry eyes, and visit the ophthalmologist 3-4 times...
by GreenGrowTheDollars
Sun Jul 21, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3366

Re: Cruise advice?

1. If you like to sip your coffee while it is hot, consider bringing your own travel coffee cups along. Cruiseline coffee cups let the coffee go cold very quickly and you may not want to stay in a location convenient to the coffee urn. We liked having coffee somewhere quiet looking out at the sea. 2...
by GreenGrowTheDollars
Sun Jul 14, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Recent layoffs and now focus on corporate valuation - are owners looking to sell?
Replies: 29
Views: 2748

Re: Recent layoffs and now focus on corporate valuation - are owners looking to sell?

DH's company was sold several weeks after he received a large bonus for outstanding performance. A week after the deal closed, he along with virutally all the other tech staff over 50 were laid off. The remaining folks had the job of teaching the outsource tech staff the business. I'd get your resum...
by GreenGrowTheDollars
Thu Jul 04, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 41
Views: 7226

Re: Purchasing Major Appliances from Costco

We purchased a double wall oven. We had an excellent experience bit primarily because we researched what we needed to do to ensure there would be a smooth installation. Whatever you do, do not assume the appliance specs for height, width and depth are accurate Ours were not. Here’s what we did: 1. ...
by GreenGrowTheDollars
Mon Jul 01, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice, home health aide, taxes questions
Replies: 24
Views: 1732

Re: Hospice, home health aide, taxes questions

Agencies will generally provide a much easier route and much better coverage for vacations/sick days. If caregivers are hired independently, someone needs to manage FLSA (overtime) rules compliance, get worker's comp coverage set up, as well as get set up as an employer with the state and feds. That...
by GreenGrowTheDollars
Wed Jun 12, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 27
Views: 2145

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

We get a discount that was pretty significant on our homeowner's insurance for having impact-resistant (and wind-resistant) roofing. I paid a little more the last time we re-roofed, but the payback period on the homeowner's insurance was a couple of months. My biggest gripe on the federal flood insu...
by GreenGrowTheDollars
Sat Jun 08, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: iPad for notetaking with stylus
Replies: 10
Views: 840

iPad for notetaking with stylus

We're looking at options for using an iPad to take notes while meeting with clients. Using a stylus and the iPad like a pad of paper seems friendlier than typing with a keyboard. The Apple Store rep was fairly clueless when it came to answering questions related to business use. (And, for the first ...
by GreenGrowTheDollars
Sat Jun 01, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2361

Re: Autos and transportation near retirement

Consider giving the truck more of a run each week or get rid of it. On a per-mile basis, it is costly and not so wonderful if you're not getting it up to highway speeds for a bit pretty frequently. I'm finding SUV's more comfortable for my hip than sedans. One of the wins of renting cars on vacation...
by GreenGrowTheDollars
Fri May 31, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3410

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

We were very space constrained and the Electrolux 27" double wall oven was one of two models we found that would fit. It still took the installers nearly a day to modify the cabinet and get it all in. Our appliance repair guy said to avoid using the oven clean cycle -- he's seen enough boards go bad...
by GreenGrowTheDollars
Fri May 31, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7982

Re: $3k for teen club soccer

Realistic chance to play in college? You can pay for a lot of college saving $3K a year for it. I think this sort of thing is terrible as an investment. Now if you want to play comp sports, go for it, but don't pretend it's an investment. That "investment" has got to have a negative return on avera...
by GreenGrowTheDollars
Tue May 14, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: how to make sure money in 529 helps divorced brother and not ex-wife?
Replies: 13
Views: 2413

Re: how to make sure money in 529 helps divorced brother and not ex-wife?

Good comments earlier. I've worked with a lot of divorced parents. It is exceedingly rare to see divorced parents pay equally towards the cost of college. In my state, divorce agreements typically don't include any requirement on paying for college. Where there are college expenses mentioned, it is ...
by GreenGrowTheDollars
Tue May 14, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, HSA, Contributions for a married couple in the year they both turn 65
Replies: 4
Views: 289

Medicare, HSA, Contributions for a married couple in the year they both turn 65

DH will turn 65 in September 2020. I will turn 65 in October 2020. We both have HSA accounts. Neither of us will be claiming SS at that time. We will both elect Medicare at the time we turn 65. From January - August we will both be covered by a HDHP that is HSA-compatible. ==> I think we can contrib...
by GreenGrowTheDollars
Sun May 12, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 4941

Re: ug - seeking medical billing advice for ambulance ride

Sometimes the insurance company is the one playing games. I fell and dislocated my shoulder & broke my arm while visiting California. Fire Department/EMT showed up, determined that I needed transport to the nearest hospital via their ambulance. Off I went, feeling every single bump in the road. The ...
by GreenGrowTheDollars
Fri May 10, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house- am I being charged twice for the same thing??
Replies: 5
Views: 1411

Re: Selling house- am I being charged twice for the same thing??

First, congratulations on reading the documents -- too many people don't. Second, go back and review your original purchase documents. Ours included prepayment of the release fees at the time we took on the mortgage. Third, check carefully that all names are correct and that the address is correct. ...
by GreenGrowTheDollars
Fri May 10, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2836

Re: Hearing getting bad, which Hearing Aids would you recommend ??

Right now, we're looking at whether the newer ones have compelling improvements. What we notice is the higher-end companies seem to be talking more about linking to phones/TV, etc, rather than documenting any advances in actual hearing quality. That is, more cheap eye candy rather than evidence of ...
by GreenGrowTheDollars
Fri May 10, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2836

Re: Hearing getting bad, which Hearing Aids would you recommend ??

Evidence indicates that getting hearing aids (and using them!) when you need them helps with cognition. It also cuts down on frustration -- yours and your family's when you have to ask to have many things repeated. However, adjusting to hearing aids is a process. I made the mistake of going to the g...
by GreenGrowTheDollars
Wed May 08, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 13913

Re: College Expenses

As far as the Redlands, Whittier types -- why would a kid go there if they got into mid-level UC, unless they really don't like a large school? I can think of a few reasons: - Redlands has much, much better support for students with Executive Function challenges than do UC campuses. Better support ...
by GreenGrowTheDollars
Wed May 08, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 13913

Re: College Expenses

I ran the NPCs on a bunch of good, but not top privates. None of them were less than the cost of the state schools my kids are currently attending. This is for a family annual income mid 100Ks, decent home equity, 25K cash savings and 25K taxable savings, everything else in retirement funds. I hear...
by GreenGrowTheDollars
Tue May 07, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4760

Re: Bathroom Remodel - Looking for Advice

We have a large shower with two shower heads/sets of controls. When we designed that 30 years ago we got some raised eyebrows, but it has turned out to be one of the smartest design choices we made. We also included a deep soaking tub without jacuzzi options. Really nice and very low maintenance. Mi...
by GreenGrowTheDollars
Mon May 06, 2019 1:51 pm
Forum: Personal Investments
Topic: Letter my child got from social security administration
Replies: 14
Views: 3439

Re: Letter my child got from social security administration

sjt wrote:
Mon May 06, 2019 10:46 am
tovetove wrote:
Mon May 12, 2014 5:52 pm
The last two years my minor son had earned income which taxes were filed/paid.


..... with my son's young age of five with minor earnings
Am I reading correctly - is this the same person? With earned income at age 4 and 5?
Kids can definitely model or act at age 4 and 5.
by GreenGrowTheDollars
Sat May 04, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1992

Re: Denver in August

Rocky Mountain National Park at Estes Park, Mesa Verde, Great Sand Dunes, Black Canyon, Maroon Bells (near Aspen), Telluride, Durango and much more. See More here: https://www.colorado.com/articles/quick-guide-colorado-national-parks https://www.colorado.com Dave Drive from Denver through Boulder a...
by GreenGrowTheDollars
Sat Apr 27, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Island Vacation with Shade on the Beach?
Replies: 40
Views: 4457

Re: Island Vacation with Shade on the Beach?

Not an island, but the Pelican Grand hotel on the beach in Fort Lauderdale has lovely suites with nicely shaded balconies overlooking the beach and a large covered beachside porch for meals/drinks. The beach staff were quite willing to set up a double umbrella arrangement so I could enjoy the beach ...
by GreenGrowTheDollars
Wed Apr 24, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1358

Re: Digital Nomad - Automobile Insurance Issues

She could do what many full-time RVers do and establish state residency and a physical address through Escapees or a similar organization. KT785 Exactly. Our car was backed into (by a guy taking his wife to the hospital after a bike accident) and he gave us his info & explained that they were RV su...
by GreenGrowTheDollars
Wed Apr 17, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Priority Express 1-Day might in effect by a 2-Day service?
Replies: 10
Views: 726

Re: Priority Express 1-Day might in effect by a 2-Day service?

USPS "overnight" service depends on the origin and destination zip codes. Some pairs are defined as two-day service even though you're charged the overnight price. FWIW -- out of maybe a dozen Express Mail envelopes I sent when my folks lived on a North Carolina barrier island, maybe three or four ...
by GreenGrowTheDollars
Wed Apr 17, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 53
Views: 6903

Re: Jury duty - already booked vacation

Relax. The police aren't going to come get you if you miss your first jury summons. You'll get second summons a few weeks after missing your first. No big deal. Sheesh!! I dunno. You might not be safe even at the grocery store: "Madeline Byrne was making a quick trip to the grocery store to buy som...
by GreenGrowTheDollars
Wed Apr 17, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Priority Express 1-Day might in effect by a 2-Day service?
Replies: 10
Views: 726

Re: Priority Express 1-Day might in effect by a 2-Day service?

USPS "overnight" service depends on the origin and destination zip codes. Some pairs are defined as two-day service even though you're charged the overnight price. FWIW -- out of maybe a dozen Express Mail envelopes I sent when my folks lived on a North Carolina barrier island, maybe three or four a...
by GreenGrowTheDollars
Mon Apr 15, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 115
Views: 8269

Re: Trust investment choices for a difficult beneficiary

While sympathetic to the OP's plight because a family member is involved, I don't believe a trustee must be permanently chained to the job in a no-win situation. Seems clear that there is no optimum solution. The trustee cannot guarantee the beneficiary might make bad choices no matter what and tha...
by GreenGrowTheDollars
Tue Apr 09, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 9007

Re: Financial solicitation by my doctor

The person who deposits the checks doesn't know my financial situation, and I really don't think they are petty enough to really even care. In January the New York Times wrote , "Many hospitals conduct nightly wealth screenings — using software that culls public data such as property records, contr...
by GreenGrowTheDollars
Mon Apr 08, 2019 8:46 am
Forum: Personal Investments
Topic: What to do with inherited Preferred Stock @ WF
Replies: 5
Views: 555

Re: What to do with inherited Preferred Stock @ WF

I would transfer and then sell. Charges at WF for transactions and account management can add up. Bigly.
by GreenGrowTheDollars
Sun Apr 07, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: CO Tax: Figuring addback for Fido Gov MM SPAXX divs
Replies: 3
Views: 345

CO Tax: Figuring addback for Fido Gov MM SPAXX divs

Using Turbotax. Fed is a piece of cake. Colorado...not quite as easy. We have a bunch of dividends from Fidelity for SPAXX (Fidelity Government Money market). Colorado instructions say that certain sources of dividends are not Colorado tax-exempt even though they're federal: TAXABLE OBLIGATIONS Inte...
by GreenGrowTheDollars
Sun Apr 07, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)
Replies: 77
Views: 4504

Re: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)

With respect to Canadian universities: - Be careful when evaluating costs and consider the impact when the Canadian $ rises vs. the US dollar. This happened when my sister was at McGill, and it stretched my parents much more than was comfortable. Might want to run a few scenarios on that. - Unless y...
by GreenGrowTheDollars
Sat Apr 06, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Probate Question Re Credit Cards
Replies: 36
Views: 2386

Re: Probate Question Re Credit Cards

I would instead request a refund and find a better attorney.
by GreenGrowTheDollars
Sat Apr 06, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Financial Windfall / Caring for Mom
Replies: 15
Views: 1590

Re: Financial Windfall / Caring for Mom

I'd be careful about trying to protect those assets. She may need assisted living at some point, and that is generally NOT covered by Medicaid. Even more likely is that she needs in-home healthcare. Then, there's memory care. I do not know a senior who wouldn't prefer any of these options to a nursi...
by GreenGrowTheDollars
Mon Apr 01, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Better elementary school - switch soon or wait
Replies: 29
Views: 1846

Re: Better elementary school - switch soon or wait

I agree. I'm looking beyond the rankings and at the statistics. The statistics aren't great but maybe others more familiar with school stats can say if they would be at all concerned: EOG Math: 68 EOG Reading: 66 Economically disadvantaged: 38.3% Retained in 3rd grade: 17% One year teacher turnover...
by GreenGrowTheDollars
Mon Apr 01, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 14814

Re: Shingrix [Vaccine availability]

My doc's office got in a bunch and called patients (like me) who'd had the first dose already. Got the second one 3 days before the 6 month window for suggested administration. :beer Was a lot smarter this time - scheduled the immunization for a Thursday, felt like bad flu on Friday, much better by ...
by GreenGrowTheDollars
Tue Jan 29, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 59
Views: 5534

Re: Have you searched for your unclaimed property?

Well, I'm kind of hacked. Found my dad's name on the NC website with what looks like a small premium refund (probably unearned premium) from the life insurance co. that paid out when he died. I was the executor and they knew that -- I handled all the paperwork so that the proceeds could be distribut...
by GreenGrowTheDollars
Tue Jan 29, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Sharing Elementary Class Photos
Replies: 40
Views: 3007

Re: Sharing Elementary Class Photos

This is right up there with "you can't teach about religion in public schools". Actually, you can. And should. The Department of ED has a FAQ on the use of pictures: https://studentprivacy.ed.gov/faq/faqs-photos-and-videos-under-ferpa Unless the class photo was used as part of a disciplinary action,...