Search found 265 matches

by OnTrack2020
Thu Sep 13, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3338

Re: Buying a house 1 mile away from a municipal landfill

With that much space, I assume it is fairly modern, and unlikely to have odor issues. Do you have specific concerns about the landfill? My wife used to live a little under 2 miles from a landfill (just checked the map). I don't think she even knew it was there, and I only knew because one time when...
by OnTrack2020
Wed Sep 12, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5318

Re: 401k money missing

This almost seems like a fake first post. Who doesn’t check their retirement account for 9 months? I check my payroll stubs every other month if not every month. The money has been coming out of my pay as it is supposed to. My employer uses a different company for the 401k. I didn’t realize the mon...
by OnTrack2020
Mon Sep 03, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1499

Re: F2 Tornado just slammed our area - Any way to recover expenses?

I should add, there were some people in our neighborhood who moved their fallen trees/branches to the front of their property, and then I believe the county came through and removed the branches. However, in your case, where you have already paid the money out of pocket, I don't believe there is any...
by OnTrack2020
Mon Sep 03, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1499

Re: F2 Tornado just slammed our area - Any way to recover expenses?

We had a tree land on our home during a storm a few years back. Because there had been damage to our home when a tree fell on our home, tree clean-up/removal went under homeowners. However, the trees that you are describing that fell without any damage to your home, you are responsible for the clean...
by OnTrack2020
Sun Sep 02, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Crazy Rich Asian -> Movie
Replies: 16
Views: 2351

Re: Crazy Rich Asian -> Movie

I thought it was a good, romantic comedy. The thing that I came away with was that, in terms of portrayed wealth, the Asians in this movie seemed to be vastly far more wealthy than Americans. I'm not talking about Rachel and her mother; I'm talking about Americans collectively. I thought the mother...
by OnTrack2020
Sun Sep 02, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Crazy Rich Asian -> Movie
Replies: 16
Views: 2351

Re: Crazy Rich Asian -> Movie

I thought it was a good, romantic comedy. The thing that I came away with was that, in terms of portrayed wealth, the Asians in this movie seemed to be vastly far more wealthy than Americans. I'm not talking about Rachel and her mother; I'm talking about Americans collectively. I thought the mother ...
by OnTrack2020
Fri Aug 31, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Help Us Pick a Lot to Build On - Which Neighborhood Option?
Replies: 19
Views: 1813

Re: Help Us Pick a Lot to Build On - Which Neighborhood Option?

Do you like lots of space? If so, the 2nd option with the two acres would be nice. Do you mind driving an additional 5 minutes? Do you mind having a septic? For many years when our kids were younger, we had lots of issues with ours, but also have a lot of trees.
by OnTrack2020
Wed Aug 29, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Another help evaluate my financial situation
Replies: 7
Views: 498

Re: Another help evaluate my financial situation

My best guess is that you are clearing around $350k to $400k per year? If so, and your annual expenses are $250,000, where is the remainder going? It seems like there would be enough to knock out the student loan in one year. What am I missing? Or am I way off on the net?
by OnTrack2020
Tue Aug 28, 2018 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of vacation club contract
Replies: 10
Views: 1841

Re: Getting out of vacation club contract

I have never really looked at them but there is a "Timeshare Users Group" that I have seen mentioned as being a good place to figure out how to deal with timeshares. https://tug2.net/ I would be cautious about just stopping the payments on these since there may be all sorts of late fees, high inter...
by OnTrack2020
Mon Aug 27, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5409

Re: Planning for an Indian wedding In NY/ NH area.

For the sake of doing a real rough budget, you are looking at: Probably around $30 per person for food: $12,000 Wedding dress: $11,000 Plane tickets for India to purchase dress: $1500 That is already around $25,000 and doesn't include the following: I'm guessing on the numbers here, but I don't thin...
by OnTrack2020
Sun Aug 26, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?
Replies: 17
Views: 1294

Re: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?

How old is your child? Has your provider not directed you toward early intervention/your local school district to be receiving services? After early intervention/local school district does an eval and she is diagnosed as being on the spectrum, you should be able to receive services and special educ...
by OnTrack2020
Sun Aug 26, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?
Replies: 17
Views: 1294

Re: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?

How old is your child? Has your provider not directed you toward early intervention/your local school district to be receiving services? After early intervention/local school district does an eval and she is diagnosed as being on the spectrum, you should be able to receive services and special educa...
by OnTrack2020
Sat Aug 25, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Rant - Why is everything so poorly made today
Replies: 12
Views: 1067

Re: Rant - Why is everything so poorly made today

I would happily pay 30 to 50 percent more for a quality product. I recently purchased a 4th of July bow. It's similar to the large, velvety red Christmas bows, only this was in red, white, and blue. Granted it was a July 4th decoration versus a Christmas decoration. The ribbon was made in the USA. ...
by OnTrack2020
Sat Aug 25, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Financial education for kids
Replies: 14
Views: 807

Re: Financial education for kids

I think the child will eventually get there, but keep encouraging them. Forget about the websites and games and just keep talking to them. We have one in college who seems perfectly content with $2.00 in his checking account. :oops: I haven't given up hope yet, but try to impress upon him that event...
by OnTrack2020
Sat Aug 25, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 2959

Re: Healthcare Careers

However - you do not see many 60+ year old nurses! It is a physical job and there is a shelf life on the career. It seems around 45, a lot of nurses transition into either adminstrative, management or other types of healthcare work. So, a few notes on that below.. This. Rarely have I seen any nurse...
by OnTrack2020
Fri Aug 24, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard fund via bank account instead of settlement fund
Replies: 8
Views: 763

Re: Buying Vanguard fund via bank account instead of settlement fund

I just typically enter a $ amount, and they take it out of our linked bank account. There's never been an issue; it's quite convenient.
by OnTrack2020
Thu Aug 23, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21503

Re: Decent compensation to move to Bay Area CA?

Here you go - if you can endure some commute https://www.redfin.com/CA/San-Jose/1284-Tofts-Dr-95131/home/692530 Schools are 6/6/7 According to the listing, this house is “an oasis of peace and calm”...that is directly adjacent to the freeway. It would be irrational if the same house commanded 1.5M....
by OnTrack2020
Thu Aug 23, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 2872

Re: What would you do - Car Question

Personally, I'd get a new/newer vehicle, but as the above poster mentioned, without knowing your expenses, it's hard to know. I agree with you about sitting up high--it does make a difference, especially when you are driving a smaller car. You obviously live in an area where you have to rely on auto...
by OnTrack2020
Wed Aug 22, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1779

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

We have a Toyota van with a sunroof (2011). Overall, I've liked it. The thing that is annoying is that when opening it, it has these accordion-type rubber pieces which move back when the sunroof opens and the rubber parts comes out of the slot. I typically always pay attention when I'm opening it (i...
by OnTrack2020
Tue Aug 21, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Planning a December trip (Colorado/Midwest)
Replies: 11
Views: 765

Re: Planning a December trip (Colorado/Midwest)

I would skip it and go during warm weather. Last year, we had a terrific December weather-wise, but this is rare. I only remember one or two other times it was like that. Your main problem would be snow and ice. Blizzards are rare in December, but I do remember one blizzard around Christmastime, and...
by OnTrack2020
Mon Aug 20, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12124

Re: Excessive Emergency Room Charges - Options?

fm3040 wrote:
Mon Aug 20, 2018 12:40 pm
Much much less. An ultrasound should not cost more than $200.
You went to the ER and had an ultrasound; you did not go to a doctor's office and have an ultrasound.
by OnTrack2020
Sun Aug 19, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6582

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Every medical office varies. We ran into this with a dentist (specialist) where they wanted payment up front (over $900) and then we would be reimbursed from the insurance company for the amount not owed. When I asked about it, they mentioned that was how they had set it up with the insurance compan...
by OnTrack2020
Thu Aug 16, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Re: Terminating an employee with company car

I agree with the above poster who basically said keep it classy/professional and have some heart. I'm not sure I would drive them home; but I would definitely pay in advance for Uber, taxi, etc.
by OnTrack2020
Tue Aug 14, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2471

Re: Travel over thanksgiving holiday, drive or fly?

Would you be driving with three teens or three toddler-age kids? That would make a difference. I don't think I would make the drive with three younger-age children. I'm somewhat with others who said to decline attending that particular weekend, but since this is very close relation, it would be nice...
by OnTrack2020
Mon Aug 13, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3085

Re: Should I Do This? [borrow from relative to pay off loan]

I am convinced that people who say "sell the car" and buy a clunker for a few thousand dollars have never spent time sitting in a repair shop. If you have lots of time, great; otherwise don't do it, not worth it. Personally, I would not borrow from a family member, but rather see if I could pick up ...
by OnTrack2020
Sun Aug 12, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest ~$4mm for disabled-for-life 36-yo
Replies: 22
Views: 2827

Re: How to invest ~$4mm for disabled-for-life 36-yo

I'm assuming the person cannot invest the money. Where is the person living now? With the parents? I've always heard that when applying for SSDI, they do not take into consideration any house one owns or a vehicle that is owned. I do not understand. The individual cannot work, but can live on their ...
by OnTrack2020
Fri Aug 10, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2743

Re: Crossroad of what to do next?

You can have your students loans paid off in 1-1/2 years.

Then I would take the rest and split between 529 and taxable. You can always use some of the taxable to fund kids' college expenses.
by OnTrack2020
Fri Aug 10, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8051

Re: Should I tell my family/friend that they are making a financial mistake?

I typically offer up financial advice to my kids, i.e., you can buy 3 pairs of athletic shorts at Walmart for the price of one pair of brand name athletic shorts. They typically don't want my advice on that type of matter. :shock: It's hard unless we know the specifics of the financial mistake, such...
by OnTrack2020
Thu Aug 09, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Regarding FIRE
Replies: 10
Views: 987

Re: Regarding FIRE

I thought it was based on your investable assets (no house).
by OnTrack2020
Wed Aug 08, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2479

Re: Insurance refusing to pay for car accident

What was the dollar amount of damage done to your vehicle?
by OnTrack2020
Mon Aug 06, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4993

Re: Maui Hawaii Trip - How to save money?

We haven't been for years, but the two things I remember in regards to saving on the cost of food: 1. Stop at Costco. It's right outside of the airport. We picked up breakfast/snack foods, such as muffins, etc., that you don't have to refrigerate or items that will keep in a mini-fridge I'm assuming...
by OnTrack2020
Fri Aug 03, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1454

Re: Digital Subscription Nightmare - PSA

It's not just this...it seems to be everywhere. We ordered a prescription (they come through the mail), and I used our checking account for one particular order. The next time we had to refill a prescription, the company charged it to the same checking account, even though I hadn't made it a primary...
by OnTrack2020
Fri Aug 03, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7444

Re: Minivan Vs SUV Experience

We have a 2011 Sienna (I still love it) and, as you stated, it is super practical. It's been wonderful to drive, to haul groceries, landscaping supplies, etc. The kids just get in and out without any issues. I've been thinking about getting something smaller, but I really do like the space it provid...
by OnTrack2020
Thu Aug 02, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4242

Re: Ticks and common sense?

Several years ago, I'm almost certain I got bit by a tick. I'd found something in my hair and pulled it out. About 4 days later, I was having bad headaches and went to the doctor. She found a rash on the back of my head and put me on antibiotics. I was literally not well for about a month--just no e...
by OnTrack2020
Tue Jul 31, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 40
Views: 3059

Re: $8712/year for insurance (auto, home, rental) How to reduce?

For $6,000 a year for auto, you should have at least 4 to 5 teenagers driving. :D
by OnTrack2020
Tue Jul 31, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1980

Re: Am I being ripped off by my dentist and/or insurance company?

Recently had a crown placed. 50% coverage and it still was over $500. Very normal. What really stinks is when you have to have a root canal and a crown. I complain because I don't like going to the dentist--it is expensive and there is pain. If going to the dentist were inexpensive and a lot of fun,...
by OnTrack2020
Tue Jul 31, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: rat/mice in crawl space - exclusion work price reasonable?
Replies: 12
Views: 1002

Re: rat/mice in crawl space - exclusion work price reasonable?

For us, we would not spend that much until we had tried some home remedies ourselves first. You could set some traps with peanut butter close to the entryway to the crawl space where you can retrieve the traps. Also, if you have space for a bucket with water, you can also make a homemade trap, again...
by OnTrack2020
Sun Jul 29, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5525

Re: ACT test - got 34, try for 36?

I've known two kids who've received a 33 on the ACT. Both received full tuition paid at their respective universities.
by OnTrack2020
Sat Jul 28, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3411

Re: Should I retire early?

Will you be able to go on the ACA marketplace for health insurance once COBRA ends? I'm thinking you will be.
by OnTrack2020
Sat Jul 28, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5764

Re: Regret Public School?

Among our friends who've kids have struggled in public schools, I'd say the common denominator has been that the child has some sort of mild special need: either a borderline learning disability or an untreated behavioral issue. I say "mild" special need because students with pronounced special nee...
by OnTrack2020
Sat Jul 28, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5764

Re: Regret Public School?

Well you always have some grass-always-greener comments. Nobody can live both paths and so can't really say how things would have turned out. Our two kids transitioned from public to private, at different times, and there was a time where one was in public and the other private. Our situation is di...
by OnTrack2020
Fri Jul 27, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2187

Re: Road trip Des Moines to Omaha to Kansas City

People are referring to Kearney on this thread. Kearney, Nebraska, is about 2-3 hours west of Omaha---way out of the way if you are traveling south to Kansas City (although I do see on a map there is a Kearney, Missouri). Des Moines has a really nice farmer's market in downtown. It is probably one o...
by OnTrack2020
Fri Jul 27, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1983

Re: DisneyWorld-Needing specific advice

We have been to Disney World twice and due to a daughter with mobility issues, we wanted an on-site hotel that wasn't huge, so we didn't have to do a lot of walking from our room to the bus stop, front desk, gift shop, etc. There are 4 parks, so I'm somewhat confused about your need to get there qui...
by OnTrack2020
Thu Jul 26, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9964

Re: Toughest Purchase of my Life. Engagement Ring time

Two Words: Cubic Zirconia And one more: Elope I'd be more than happy to get married in Vegas and plan an after-wedding party in a Hall or our House. I really feel like the Engagement ring and a Wedding are for other people. Yes, but is your prospective fiance one of those other people? If not, why ...
by OnTrack2020
Wed Jul 25, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: How much car can I buy?
Replies: 46
Views: 2206

Re: How much car can I buy?

Some on this thread are suggesting Mercedes, BMW, Audi, etc., while on other posts folks have mentioned that if something goes wrong with these types of cars, they are expensive to fix which will just cost more money on the OP's already feeling pinched budget. Be reasonable and buy something dependa...
by OnTrack2020
Tue Jul 24, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8118

Re: Son Hurt at Summer Camp

"Lost his balance" could be a euphemism for horseplay with another camper, or not. I once managed to cut my leg severely enough to need stitches just walking through my basement where we had stacked piles of painting equipment including a putty knife. So it wouldn't necessarily have been a traumati...
by OnTrack2020
Tue Jul 24, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 65
Views: 6416

Re: I want to sell my home, but I don't want to fix it up

Talk to a local experienced realtor. They can help you make a "let it go" and a "must fix" before you list. If you can spend $20k and make $150k more on the sale, by all means, spend the $20k. If you can spend $20k and make $25k more on the sale, pass. List the items up front as known issues. If yo...
by OnTrack2020
Tue Jul 24, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2846

Re: Are laminate floors better-wearing than real hardwood?

We've had laminate (which has the appearance of wood) for 15+ years in our living room, utility room, hallway, and bedrooms. We've had another laminate (which has the appearance of tiles) in our kitchen for about 10 years. It has held up very well! I would sometime like to put new hardwood down, but...
by OnTrack2020
Tue Jul 24, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2651

Re: Tornadoes in Iowa,Nebraska,KC In August

Heat and humidity, yes. Tornadoes, highly unlikely.