Search found 349 matches

by GreenGrowTheDollars
Sat Nov 03, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Softest Fabric or Brand for a Lady's Nightgown?
Replies: 10
Views: 995

Re: Softest Fabric or Brand for a Lady's Nightgown?

Avoid anything with lace around the neck or sleeves. Calida is nice: https://www.cuddledown.com/itemdy00.aspx?t1=Z7857+689+24&srccode=NXCZC6&utm_source=froogle&utm_medium=pla&utm_campaign=2014&gclid=Cj0KCQjwjvXeBRDDARIsAC38TP6OQ4LXlTArkB0Un7ZYDX-dcT2lAQSJ6X0XLvsMa3JlgI5a5Hdmav4aAmw4EALw_wcB Signed, ...
by GreenGrowTheDollars
Tue Sep 11, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6137

Re: Vacation house? Need objective third party

I'd skip this house...but consider a season-long rental for next summer as a way of trying out summer life. I have friends with vacation homes in MIchigan/Wisconsin/North Carolina and their kids seemed to very much like the annual sojourns. Meanwhile, consider focusing on paying off the mortgage and...
by GreenGrowTheDollars
Fri Aug 31, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 54
Views: 4010

Re: Durable Power of Attorney: Implementation Report

Fidelity was a breeze when DH took over as successor trustee pursuant to the trust documents; Bank of America froze the trust checking account for several months while their legal department played games. Learned from sad experience with my MIL and my dad: Banks and insurance companies believe that ...
by GreenGrowTheDollars
Wed Aug 29, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Investing My Sons Settlement Money
Replies: 6
Views: 1081

Re: Need Help Investing My Sons Settlement Money

I am not an attorney. I have, however, seen a couple of young people with injury settlements. In both cases, the person had full access at the age of majority -- 18 in most states. It might be different if the person was incapacitated. In neither case was the settlement specifically reserved for fut...
by GreenGrowTheDollars
Wed Aug 22, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1461

Re: Do Universities "Bait and Switch" Financial Aid?

Law schools are notorious for this. Undergraduate colleges seem to stay on a more even keel, HOWEVER - - Colleges may increase the "self-help" (ie, summer work/school year part-time job) expectation amounts from freshman to senior year - $2000 before freshman year, $2500 before sophomore year, $4000...
by GreenGrowTheDollars
Tue Aug 21, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6707

Re: PCP Wants Full Charge Up Front

Have not heard of this at doctors, but have occasionally run into situations like this at lab service providers. At one national lab chain, they frequently ask to run my credit card and put a "hold" for list price of service. They can charge it immediately after insurance amount is established. Whe...
by GreenGrowTheDollars
Tue Aug 21, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Non-Traditional college financing
Replies: 8
Views: 538

Re: Non-Traditional college financing

Be sure that he checks the "residence" requirements. (In this case, "residence" means the courses that must be taken through the college in order to graduate with the degree from that college. It might be called something else at a given college. It might also be under transfer credits. Sometimes sc...
by GreenGrowTheDollars
Mon Aug 20, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12478

Re: Excessive Emergency Room Charges - Options?

I was initially balance billed by the ambulance company in California on a trip to the ER. It turned out that my insurer "assumed" (hoped is more like it) that the county ambulance service would accept what Aetna deemed the payment ought to be. The billing rep at the ambulance company simply sighed ...
by GreenGrowTheDollars
Mon Aug 20, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 904

Re: Establishing Residency as College Tuition Strategy

Residency for in-state tuition purposes varies from state to state and sometimes varies even for different public colleges within a state. A few states make it relatively easy for a student to gain in-state tuition classification as an undergraduate -- Utah and Montana are the two I see most frequen...
by GreenGrowTheDollars
Thu Aug 16, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2188

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

Definitly Almaty and Astana. They both look like beautiful cities. Son want to study astrophysics. He is learning Kazak too. We are in the US in SW CO mountains. Another reason he is interested is mountain biking and skiing. Will probably fly between Almaty and Astana. Will need to get visa to go t...
by GreenGrowTheDollars
Thu Aug 16, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2644

Re: Rental House Issue

You aren't ok with the lease being broken because a tenant died? :shock:
by GreenGrowTheDollars
Thu Jul 26, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11328

Re: An argument against self-insuring for long-term care

MIL is in "at home" care 24/7. Age 94. Cost: $8,000/month. If not for recently deceased FIL being a true "Boglehead", she would not have been so well provided for. But, still, those costs are indeed high. At what point and age would LTCI have been practical in MIL's case? Purchased at age 70, 80, e...
by GreenGrowTheDollars
Tue Jul 24, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8231

Re: Son Hurt at Summer Camp

I tripped at a hotel and broke my arm and shoulder. My own fault, and I said so right from the start. Nonetheless, the hotel had paid for Medical Payments to Others insurance coverage, and their insurance agent quite specifically told me that it was there specifically for this kind of situation. It ...
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: 2032

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: 1635

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: 5661

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: 2479

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: 3882

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: 6340

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: 19246

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: 19246

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: 2062

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: 19246

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: 2440

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: 19246

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: 19246

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: 1155

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: 498

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: 3130

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: 272
Views: 59117

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: 7324

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: 812

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: 5667

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: 2319

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: 1294

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: 19907

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: 2652

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: 19907

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: 511
Views: 58103

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: 278

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: 2109

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: 1070

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: 3382

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: 5139

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: 1193

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: 4071

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: 4071

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: 804

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: 3735

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: 827

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...