Search found 425 matches

by OnTrack2020
Thu Oct 10, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1191

Re: Overland brand slippers for cold feet?

I don't think you will go wrong with Overland. My husband bought a hat (trapper style) from them several years ago. It is the warmest hat we have around here.
by OnTrack2020
Thu Oct 10, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best Trust Company For Spendthrift Child
Replies: 13
Views: 1865

Re: Best Trust Company For Spendthrift Child

Have you considered a trust department of a local bank? I would much prefer a local bank take care of the matter if you think the child will be living in the area for quite some time.

I like the idea of a family member co-trustee also.
by OnTrack2020
Mon Oct 07, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Providing for a adult child with serious illness
Replies: 11
Views: 1547

Re: Providing for a adult child with serious illness

I would see a lawyer about setting up a special needs trust. Also, possibly an ABLE account. Is your son currently able to work? Is he currently receiving any type of SSDI?
by OnTrack2020
Sun Sep 29, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA question (It's FAFSA season again!)
Replies: 31
Views: 1820

Re: FAFSA question (It's FAFSA season again!)

The only kids I've seen get a full ride are those who are younger (maybe junior high school level) who have scored perfectly on the ACT test at a young age and the state school comes in and offers them a full ride when they graduate high school 4-5 years down the road. Those are the super smart kidd...
by OnTrack2020
Mon Sep 23, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: College Student Internships
Replies: 45
Views: 2087

Re: College Student Internships

So, during my time in college (a good one!), a generation or so back, summer internships for interns weren't much of a thing. I had a sort of haphazard thing between my 3rd and 4th years, but it wasn't an internship "program". It seems that internships are more of a thing now. I have 2 kids current...
by OnTrack2020
Sat Sep 21, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Making Psychological Shift to High Deductibles, Funded HSA
Replies: 30
Views: 1959

Re: Making Psychological Shift to High Deductibles, Funded HSA

I've said it before, but might as well preach it again. :happy If you are young and healthy and don't go to the doctor very often and have many years of work ahead of you, then a HDHP is probably for you. You can save more than you will likely spend over the course of many years. So, think it is eas...
by OnTrack2020
Thu Sep 19, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fight with my insurance company for rear-end collision?
Replies: 24
Views: 1728

Re: Fight with my insurance company for rear-end collision?

It is not worth fighting. You were in the wrong. If you were not following so closely, you could have easily avoided rear-ending the person in front of you, who, more than likely, had their brake lights on.
by OnTrack2020
Thu Sep 19, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Parents portion of college loan
Replies: 8
Views: 792

Re: Parents portion of college loan

Personally, I would just continue to pay monthly on it until a few months prior to your planned retirement at age 65, then pay it off. In another 3 years, you are not going to owe that much money on the loan. The only exception I would make is if you decide to retire earlier than age 65, then I woul...
by OnTrack2020
Fri Sep 13, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance vs Permanent Life
Replies: 26
Views: 1608

Re: Term Life Insurance vs Permanent Life

This should be fun. Could I suggest you try the forum search feature? I would venture to say that, absent a much more specific question about your son’s situation, it’s unlikely there’s much to say about this topic that hasn’t already been said. Wouldn't it just have been easier to give a general a...
by OnTrack2020
Fri Sep 06, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's: notice of non-renewal. Where/how to shop?
Replies: 36
Views: 3924

Re: Homeowner's: notice of non-renewal. Where/how to shop?

I would shop locally. You may have a several local brokers who do business in your area. Ask around for recommendations. Be prepared for a possible home inspection by new insurer (in case you have any safety or roof issues you want to address while quoting insurance). My new insurer informed me they...
by OnTrack2020
Wed Sep 04, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7272

Re: First-hand experiences with United Basic Economy for families?

I would not take the chance of having your family split up since you have young children. Even flying Southwest, you are not guaranteed sitting together. When they are teens, that is the time to have them sitting in another section of the plane. :)

Pay the extra dollars.
by OnTrack2020
Mon Sep 02, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5606

Re: Not gaining weight on vacation?

Try and keep meal times regular. If your typical eating pattern is at 7 am, 12 noon, and 6 pm, keep the same schedule. Also, my husband traveled for business to 4 different countries a few years ago--Japan was one of them. He said of the 4 countries (2 European, 2 Asian), Japan was the one that had ...
by OnTrack2020
Fri Aug 30, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Social security now or latet
Replies: 19
Views: 1715

Re: Social security now or latet

We do not have longevity in our parents or grandparents, so waiting to take SS at 70 for us really isn't an option. Then we we figured out the breakeven point between taking at 62 versus taking at 67, it would be 16 years. We decided on 62, maybe 63, but we won't be waiting much later than that.
by OnTrack2020
Thu Aug 29, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: downside of going to a competitive high school?
Replies: 49
Views: 3496

Re: downside of going to a competitive high school?

I recognize that there is a lot of 'optimization' that takes place regarding the right high schools that either didn't occur when I was in HS, or I was just completely unaware of it occurring. (Both are equally possible.) It would be interesting to see if going to a 'competitive high school' is sta...
by OnTrack2020
Sun Aug 25, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9526

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...
by OnTrack2020
Sun Aug 25, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Marrying earlier for insurance/finances?
Replies: 39
Views: 2922

Re: Marrying earlier for insurance/finances?

Can he get insurance through school? Or can he get on Obamacare this coming fall when it opens for enrollment? Since he is a student, I wouldn't think it would cost very much.
by OnTrack2020
Sun Aug 25, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP Dropped by Health Care Organization
Replies: 9
Views: 953

Re: HDHP Dropped by Health Care Organization

I work for a large health care organization that went through a merger. One of the changes that occurred to the benefits was that the High Deductible Health Plan was dropped. Executive leaders used the explanation that the amount of the deductible was too high and was deterring employees from getti...
by OnTrack2020
Sat Aug 24, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8367

Re: How to help an employee who is in debt and requesting a loan

The car was repossessed, but is now looking for money for repairs to a car? Is it a different car? I think putting in the comment about the Dave Ramsey course is absolutely not necessary. These types of situations just go from bad to worse. And, unfortunately, it doesn't take much to go from bad to...
by OnTrack2020
Fri Aug 23, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8367

Re: How to help an employee who is in debt and requesting a loan

The car was repossessed, but is now looking for money for repairs to a car? Is it a different car? I think putting in the comment about the Dave Ramsey course is absolutely not necessary. These types of situations just go from bad to worse. And, unfortunately, it doesn't take much to go from bad to ...
by OnTrack2020
Wed Aug 21, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: advice for new grad daughter getting first apartment
Replies: 33
Views: 2287

Re: advice for new grad daughter getting first apartment

Safety--make sure it's in a safe area and make sure the apartment and surroundings are safe--as safe as can be had. I had a roommate who had once lived in an apartment located on a ground floor. She was extremely particular about safety--windows in particular, as she had an intruder. She wanted no w...
by OnTrack2020
Wed Aug 21, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: property management problem
Replies: 6
Views: 526

Re: property management problem

Careless bathers do not make for leaks if tile/showers/tubs, etc. are installed correctly including plumbing, grouting, caulking, etc. Also, people just don't walk around on wet floors in the bathroom all the time.
by OnTrack2020
Mon Aug 19, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Life Advice: deciding what you want to do.
Replies: 49
Views: 4696

Re: Life Advice: deciding what you want to do.

We have an adult son with autism. What subjects did you like in high school? Sometimes a particular subject will lead you on your path. However, there are other things that he likes to do, that he didn't necessarily study in high school, that may also lead him on a different path. What are you major...
by OnTrack2020
Sun Aug 18, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Are we financially okay?
Replies: 64
Views: 8434

Re: Are we financially okay?

OP, how much interest income are you bringing in per year from your MM/CD accounts? I'm assuming it's a fairly good amount.
by OnTrack2020
Fri Aug 16, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4504

Re: Kindergarten lunches

Double check to see if the school is nut-free. Sometimes the school is already providing a sandwich/deli option. And our kids also had a salad bar at their elementary school. Honestly, I think it was cheaper to have them just eat school lunch. It saved us time and money having to run to the store to...
by OnTrack2020
Thu Aug 15, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to move into retirement
Replies: 72
Views: 5596

Re: When to move into retirement

LilyFleur wrote:
Thu Aug 15, 2019 1:02 pm
I would be more concerned about affordable medical insurance than any of the other factors you listed. I am currently paying more than $20,000 year for insurance and co-pays (for just me).
Is this through an insurance broker, ACA, does it include prescription drugs, etc.??
by OnTrack2020
Mon Aug 12, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: $3,400/yr seem reasonable for insurance? Reduce this cost???
Replies: 27
Views: 2554

Re: $3,400/yr seem reasonable for insurance? Reduce this cost???

Home: 400k replacement cost (600k value). 1k deductible. $1,896/yr. Lots of hail in our area would like to keep 1K deductible. 2, 10yr old Toyotas. 100k miles. Still have comprehensive because need to drive them 10 more years. Maybe should drop comp? 1K deductible. $1,264/yr 1M Umbrella policy. $22...
by OnTrack2020
Sat Aug 10, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Insurance situation do we have any reasonable options?
Replies: 22
Views: 1686

Re: Insurance situation do we have any reasonable options?

When we buy a car from a dealer, we sign a purchase agreement. When we sell a car to an individual, we sign a bill of sale. We call our local agent soon after we purchase---so if purchased on Friday, we would call them on Monday to let them know we purchased a vehicle. However, the insurance on that...
by OnTrack2020
Sat Aug 10, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Home Claim issues
Replies: 6
Views: 639

Re: State Farm Home Claim issues

I had an issue on my property which required State Farm to send an independent person, who does most of his work for State Farm , come and do some testing. Of course their testing showed that my claim should be denied. I brought in my own tester and he stated that the state Farm person did not do i...
by OnTrack2020
Fri Aug 09, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5188

Re: Real Estate Negotiation Came to a Halt

OP, walk away. An item, whether it be a house, vehicle, antique, etc., is only worth what someone is willing to pay. Many, many people believe that their possessions are more valuable than they actually are. The possession might have special value or special high worth to that individual, but not ne...
by OnTrack2020
Fri Aug 02, 2019 6:15 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5060

Re: Are all models of Toyota generally considered reliable?

I'm embarrassed to say this, but we own 5 of them: 2 Tacomas, 2 Corollas, and 1 Sienna. We have several kids. :D :happy One Tacoma and the Sienna have well over 125,000 miles on them. One Corolla has around 65,000 miles. One Tacoma and one Corolla are fairly newer with each under 13,000 miles. The o...
by OnTrack2020
Tue Jul 30, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: The Quality of a Retirement with no Retirement Savings
Replies: 30
Views: 3015

Re: The Quality of a Retirement with no Retirement Savings

I don't think it will be necessarily poor, but there probably won't be room for many extravagant items. I posted before about my late mother-in-law. She had social security and her late husband's pension which totaled maybe around $1,000 per month. As a couple, they never made that much in life but ...
by OnTrack2020
Fri Jul 26, 2019 11:48 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 101
Views: 21284

Re: Retire with Less Than $1 million?

My late mother-in-law had no retirement savings. She had a small paid off house, an old car, social security, and her late husband's pension. I'm pretty sure she didn't receive over $1,000 per month--very low cost area in a state with no state income tax. It wasn't much, but she managed. There were ...
by OnTrack2020
Thu Jul 25, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Educational assistance for relative, advise wanted.
Replies: 8
Views: 782

Re: Educational assistance for relative, advise wanted.

Does Janice seem to like the medical field? When the time comes, maybe a CNA position and then further nursing from there? Possibly general ed classes to become a social worker? If she were to do an Associates Degree, I would give her a timeframe to complete--two to three years. Would she be able to...
by OnTrack2020
Wed Jul 24, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you return items purchased online?
Replies: 20
Views: 1095

Re: How often do you return items purchased online?

Extremely rarely....just not worth the time or effort, unless it's a larger item that also costs more money, then I will take the time. The last item I returned was furnace filters. They came in a large box, and between the time I purchased them and the time I returned them, we ended up having a new...
by OnTrack2020
Tue Jul 23, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9740

Re: Where would you move to?

My wife and I are trying to determine a place to move. Reasons why are a long story. We're at a loss for where to go. We do know that we'd like to be in a state that has no income taxes. We live an active outdoor life will the dogs. We'd like to be in a place with a smaller population and reasonabl...
by OnTrack2020
Tue Jul 23, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Would you have your teen attend a meeting with your CFP?
Replies: 33
Views: 1697

Re: Would you have your teen attend a meeting with your CFP?

There is absolutely no way I would allow a 13-year-old to listen into a conversation like this. They simply do not have the maturity level yet. 19, maybe, if they have shown interest in investing at that age, but not at 13. I would be more likely to start sharing this information when in their mid-2...
by OnTrack2020
Tue Jul 23, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2158

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

Honestly, an outpatient procedure can mean you are there for several hours, or it can mean you are staying overnight, but less than 24 hours. You can have surgery and be out of the hospital in less than 24 hours, and the price may be vastly different than someone who is having a less invasive proced...
by OnTrack2020
Mon Jul 22, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)
Replies: 27
Views: 1642

Re: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)

We had our backyard septic extended many years ago. We ended up calling someone to grade the dirt after the septic work was done. It was probably around mid- to late-September. The man who did the grading had mentioned that if we were going to put grass down that we had until the beginning of Octobe...
by OnTrack2020
Sat Jul 20, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 6669

Re: Should relative incomes be a factor in wedding gift?

Going soon to a wedding with cash gifts, so we'll be ponying up. Should the amount of the gift be affected in any way by the fact that the happy couple has an income about five to six times higher than my wife and I? Obviously from an economic or philosophical standpoint, the argument would be pret...
by OnTrack2020
Sat Jul 20, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: The skyrocketing cost of long term care and how to pay for it
Replies: 33
Views: 3322

Re: The skyrocketing cost of long term care and how to pay for it

My great grandmother spent several years in a nursing home. I believe my grandfather and his brother paid the bill with proceeds from some farm/farmland they may have sold. One of my other grandfathers spent quite some time in a nursing home, but I don't think he had very much in assets. My mother s...
by OnTrack2020
Tue Jul 16, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 3813

Re: Being a hands off homeowner

I don't think there is such a thing as a hands off homeowner. We have an older home that we've been in for close to two decades. These are the things we've done or hired out: Replaced a quite large wrap-around deck - ourselves Extended the septic system - hired out Replaced the roof - hired out Repl...
by OnTrack2020
Thu Jul 11, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 3137

Re: 2016 Car with only 11,000 miles?

We have a 2016 with a little over 11k miles. We purchased it new in 2017 with only 20 miles on it. It just never sold from the dealers' lot. It doesn't get driven a tremendous amount, and we don't expect it to in the future either.
by OnTrack2020
Mon Jul 08, 2019 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Is there any place you can buy a house for 50k west of Kansas?
Replies: 27
Views: 3919

Re: Is there any place you can buy a house for 50k west of Kansas?

Yes. You probably can find/buy a mobile/manufactured home in decent shape, while others need work. You may also be able to find a regular house, but it typically will need a lot of work and, more than likely, will be in a smaller town. My husband and I were just discussing this weekend how expensive...
by OnTrack2020
Mon Jul 01, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2289

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

Neighbor--most neighbors are more than willing to help out in this situation Church--if you attend a church, would someone in church be willing to help? Preschool--if your child is in pre-school, would another parent be willing to help out? There are probably plenty of people who would be willing to...
by OnTrack2020
Mon Jun 24, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: LG Washer - Try to Fix or Buy New?
Replies: 10
Views: 541

LG Washer - Try to Fix or Buy New?

Our LG washer has recently started making rather loud humming noises prior to the rinse cycle and during rinse cycle, as well as a louder noise during the spin cycle. It just passed the 12-year mark and has been a very good washer for us, considering we have 4 kids and do a lot of laundry. I'm not e...
by OnTrack2020
Wed Jun 19, 2019 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: How to phrase job-change for family reasons?
Replies: 13
Views: 1629

Re: Career advice: How to phrase job-change for family reasons?

Why wait 5 years if you want to live in city A now? There's nothing wrong with saying you have family in city A and want to live in city A long-term, a city that you really like. I think it would be easier to hire someone who has family living in the same area as there is a support system in place.
by OnTrack2020
Tue Jun 18, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to get out of daycare 6 week notice?
Replies: 32
Views: 2909

Re: Any way to get out of daycare 6 week notice?

I'd talk to them, pay them the 6-week period if required, and then go forward with the planned move to the day care you like. If the new day care can get you in in three weeks, then yes, you will have some overlapping costs associated with this, but it may be worth it in the long run.
by OnTrack2020
Fri Jun 14, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9763

Re: Article on high deductible health plans - and the math

Unfortunately, sums up a chunk of Americans. 1) People don't have a high level of financial literacy (choosing lower premiums because they are cheaper without realizing the trade-offs) 2) People can't save money Of course, I would guess that the family referenced at the beginning (and other familie...
by OnTrack2020
Tue Jun 11, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Submitting Insurance Claims for Toddler Special Needs Therapy
Replies: 8
Views: 550

Re: Submitting Insurance Claims for Toddler Special Needs Therapy

As others have mentioned, there are two routes to take. #1. Your school district. Has your child been evaluated by your school district. If not, please contact them to have your child evaluted. They normally have 30 days to do this. Do not let them tell you they cannot because of summer break, altho...
by OnTrack2020
Tue Jun 11, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 4601

Re: 15K CAR with comfortable seats and quiet

I second the Corolla. However, I will say that, due to my "advanced" age, I find the seats sit somewhat low and become more difficult to get in and out of. :happy YMMV