Search found 369 matches

by GreenGrowTheDollars
Tue Jan 29, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 50
Views: 3758

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: 2808

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,...
by GreenGrowTheDollars
Tue Jan 29, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 79
Views: 12899

Re: What is the best all-inclusive resort you have ever visited?

Lizard Island. (Great Barrier Reef, Australia)

Pretty heavenly.
by GreenGrowTheDollars
Wed Jan 23, 2019 10:27 am
Forum: Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 81
Views: 14610

Re: Merrill Edge best choice for higher net worth accounts?

BofA is literally the worst bank I’ve ever dealt with. I’m surprised so many people seem peaceful with it here. They froze the very large checking account for the family trust my MIL was using for living expenses. This was also the account where MIL's SS and 2 pension checks were auto-deposited. It...
by GreenGrowTheDollars
Mon Jan 21, 2019 9:30 pm
Forum: Personal Investments
Topic: Stock Option "Right of Repurchase" question & IRA/Roth IRA related question
Replies: 0
Views: 92

Stock Option "Right of Repurchase" question & IRA/Roth IRA related question

DD has some stock options from her non-publicly-traded company. She is a NYC resident with very high marginal fed/state/city tax rates. Option #1 (from 2013) is straightforward - exercise price, vesting schedule, and an "Unvested Share Repurchase Right" allowing the company to elect to buy back unve...
by GreenGrowTheDollars
Mon Jan 21, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9103

Re: Grocery shopping strategy

The Wal-Mart vegetable/produce selection in our are is not fabulous either in variety or in quality.
However, their canned/packaged good pricing is much, much better than at our King Soopers (Kroger) market.
by GreenGrowTheDollars
Mon Jan 21, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3382

Re: Son moving to Denver from California

If he'll be working in the Google/transit village vicinity or in the Pearl Street area, I'd highly advise the RTD Bus Rapid Transit rather than driving. The bus has preferential lanes and the traffic from Denver to Boulder in the AM is sluggish for 2-3 hours. Really sluggish. It is then bad again fr...
by GreenGrowTheDollars
Wed Jan 16, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1597

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

Bunches of times: At Fidelity 1. Clarification on establishing solo 401K 2. Medallion Signature Guarantees multiple times, either to sell or transfer assets from another brokerage or holding company 3. Making an IRA deposit on the last possible day for the prior year (almost a stupid misstep) 4. Cha...
by GreenGrowTheDollars
Tue Jan 08, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 916

Re: Engineer Co-op question

M.E student with prior background in Testing & Evaluation for multiple companies. I worked with engineers on problem solving through prototype in the firearms industry (I am 32). I am also a former Marine. My GPA sits at 3.3 and I have completed all general education along with Chem I, Solid Modeli...
by GreenGrowTheDollars
Tue Jan 08, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Insurance question, DDS 2nd opinion covered?
Replies: 6
Views: 372

Re: Insurance question, DDS 2nd opinion covered?

Even if insurance won't pay, my personal experience says you should get a second opinion anyway. When my retiring dentist sold his practice to young go-getters, they said I needed four fillings. This, after 30 years of perfect checkups. I went to another dentist recommended by a friend. No fillings...
by GreenGrowTheDollars
Mon Jan 07, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: House hunting in San Antonio (relocating from IL) - What to watch out for?
Replies: 31
Views: 1703

Re: House hunting in San Antonio (relocating from IL) - What to watch out for?

Have you considered renting for a year -- get the lay of the land, the new job, and then make a more considered decision on where you want to live?
by GreenGrowTheDollars
Mon Dec 31, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 5892

Re: Chase Sapphire Reserve

I got a nice bonus when I got the card and made the spend requirement. No hassle at all. The travel site for Chase has been great. I had no trouble using points (at a very reasonable conversion rate) to book hotels for same night stays in France while traveling around France. They also covered the c...
by GreenGrowTheDollars
Thu Dec 27, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund for small donors - my experience
Replies: 49
Views: 2805

Re: Donor Advised Fund for small donors - my experience

For the first time in 30+ years, I'm not in the least concerned about tracking down acknowledgments, canceled checks, or - worse - stock donation info for individual charities in order to do my taxes. It also makes for a much thinner tax records file. :sharebeer
by GreenGrowTheDollars
Mon Dec 17, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 1993

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

Even if you abate...nothing to stop particles from blowing in on you/getting tracked in by kids or pets.
by GreenGrowTheDollars
Sun Dec 16, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 3111

Re: Holiday Card [from Vanguard]

My independent Subaru repair place always sends a cute car-repair themed Thanksgiving card. It's the only business holiday card I like.
by GreenGrowTheDollars
Sat Dec 15, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2648

Re: Annoyingly Expensive HP Ink Cartridges

I have a Brother all-in-one color laser jet, and I miss my old HP8600 Plus. The quality of the Brother MFC-9130CW printing is not nearly as crisp as the HP provided. It balks majorly if I attempt to use non-Brother toner cartridges, and the Brother toner is quite pricey. It is also slow to print, an...
by GreenGrowTheDollars
Tue Dec 11, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Filing a complaint against AmeriHealth
Replies: 7
Views: 575

Re: Filing a complaint against AmeriHealth

When I had trouble with United Healthcare, a formal complaint filed with the state insurance commissioner brought the quick intervention of an executive service team at UCH. They quickly resolved the issue. I'm sorry it came to that, but their regular appeals process was ineffective. I'm not convinc...
by GreenGrowTheDollars
Thu Dec 06, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA - How long is a doctor's note valid?
Replies: 9
Views: 1606

HSA - How long is a doctor's note valid?

I use artificial tears for dry eyes and reimburse from the HSA. The note my doctor provided doesn't have an end date and I'll likely need them for years. Do the notes expire from the IRS's perspective? I hate bugging docs to write these mother-may-I notes since it should be fairly obvious that nobod...
by GreenGrowTheDollars
Thu Dec 06, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: How far back can HSA Expenses go?
Replies: 14
Views: 1596

Re: How far back can HSA Expenses go?

Am I thinking about this correctly? Yes. The medical expenses have to be incurred on or after the day you originally opened your HSA. You can save those receipts for years. On or after the date that you opened an HSA, or the particular one where your funds reside? My recent switchover from HSA Bank...
by GreenGrowTheDollars
Sun Dec 02, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21253

Re: Best values at Costco? Honestly, a little disappointed...

I figure the $2K I saved on hearing aids pays for renewals for a while. :D Hearing aid batteries are also way, way cheaper at Costco. (Tip: if you have a parent who uses hearing aids, find out the battery size and check on Costco's price. I so wish this had been available when my dad was spending hi...
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: 1050

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: 6336

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: 4167

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: 12
Views: 2076

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: 1484

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: 6850

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: 555

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: 12682

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: 939

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: 2239

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: 2691

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: 11496

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: 8331

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: 2094

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: 1671

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: 5772

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: 2570

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: 4380

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: 6753

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: 19831

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: 19831

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: 2116

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: 19831

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: 2486

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: 19831

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: 19831

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: 1368

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: 592

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: 3298

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: 300
Views: 73673

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...