Search found 197 matches

by OnTrack2020
Fri Jun 15, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3381

Re: Contractor - Threatening Lien/Lawsuit

Uuugggghhhhhh! I can't answer any of your questions, however, are you willing to deal with him in small claims court? How much money are we talking about that he won't return? Sounds extremely shady. Also, and I know that we ourselves have taken chances before with contractors, but when you were pla...
by OnTrack2020
Thu Jun 14, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3471

Re: Non-alcoholic drinks for wedding

People who can't handle a dry wedding have bigger issues than can be addressed by the bride and groom. This. its not about people not being able to handle a dry wedding, but the simple fact that many people become more happy/loose/festive with a little spirit in them which can give an infectious en...
by OnTrack2020
Thu Jun 14, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3471

Re: Non-alcoholic drinks for wedding

sailaway wrote:
Thu Jun 14, 2018 12:06 pm


People who can't handle a dry wedding have bigger issues than can be addressed by the bride and groom.

This.
by OnTrack2020
Thu Jun 14, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3471

Re: Non-alcoholic drinks for wedding

There are lots of specialty sodas in glass bottles with all different type of flavors which might be fun. Definitely water and coffee. Not sure about lemonade. I like it, but it doesn't always go that well with wedding cake. :happy I'd try out some punch recipes that would go well with your cake.
by OnTrack2020
Mon Jun 11, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 1992

Re: Pre 65 Retirees - Healthcare

What is the ballpark Healthcare premium expenses (for 2) until Medicare kicks in? The projected retirement income calculator at work shows in excess of $2000 per month as healthcare premium and that seems really high . How do other bogleheads handle this? Thanks I have been looking at the prices of...
by OnTrack2020
Sat Jun 09, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2519

Re: Foreign language immersion daycare

No. The only way I would even remotely consider this is if you, the parent, speaks one of these foreign languages also at home. Do you? After-school programs are typically child care. If you speak the language at home you don't need the immersion especially as an infant/toddler. The driving would c...
by OnTrack2020
Sat Jun 09, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2519

Re: Foreign language immersion daycare

So discounting the driving, which I personally would never do, I am Canadian where French immersion schools are quite common. My mom, who is an elementary school teacher, felt that immersion programs were great for bright kids who have zero learning challenges. Often in Canada a good immersion scho...
by OnTrack2020
Sat Jun 09, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2519

Re: Foreign language immersion daycare

No.

The only way I would even remotely consider this is if you, the parent, speaks one of these foreign languages also at home. Do you?

After-school programs are typically child care.
by OnTrack2020
Thu Jun 07, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Investing or Paying Off The House
Replies: 14
Views: 1191

Re: Investing or Paying Off The House

Somewhat similar situation, and we went with paying off the house several years ago. Best decision ever (for us). The freedom of not having to make one more mortgage payment was just wonderful, and it continues to be wonderful to this day. We have no regrets whatsoever about paying our home off earl...
by OnTrack2020
Thu Jun 07, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a lump sum payout
Replies: 8
Views: 667

Re: Investing a lump sum payout

A lump sum payout from what? Do you not have the option of rolling it over?
by OnTrack2020
Wed Jun 06, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6226

Re: Expensive house in HCOL area

Option #3. This is probably going to be the best way for your to accumulate wealth. Also, if you have children in the future, this may be the best way for one of you to stay home with the child/ren for a period of time if desired or needed. Also, think about that one acre of land. We live on an acre...
by OnTrack2020
Wed Jun 06, 2018 8:12 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: 17255

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

@cockersx3, My kids know our approximate net worth which has grown since the last FAFSA went in. I think their reaction was "Whatever, let me go back to watching TV and texting." Was that kind of your question of "how would this work"? They know how the world works and understand why some of their ...
by OnTrack2020
Mon Jun 04, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Would like to bounce some ideas regarding renting a home or condo
Replies: 16
Views: 1173

Re: Would like to bounce some ideas regarding renting a home or condo

Does the condo community have shared walls or condos above or below you?
by OnTrack2020
Sat Jun 02, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Switch between physicians in the same practice?
Replies: 40
Views: 3068

Re: Switch between physicians in the same practice?

I switched our daughter to a physician/surgeon in the same practice several years ago. Note that we had several years of surgery ahead of us, and I wanted another opinion. They were hesitant, but allowed it. We ended up switching. Being younger is not necessarily a bad thing. It took my husband to p...
by OnTrack2020
Sat Jun 02, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5614

Re: Need advice on 1st international vacation

My husband was on a business trip to Japan a while back. He had been to four different countries for business in a span of about four months. He wasn't very keen on Japan. From my understanding, once you get out of the airport, little English is spoken. He spent the majority of his travel time when ...
by OnTrack2020
Sat Jun 02, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4926

Re: 125K Spend - Would you do this ?

We have rather large oversize furniture in our living room. When my husband has had surgery in the past, couldn't get comfortable and needed to be up walking every few hours, he slept in one of the oversized chairs with an ottoman. It worked great. However, the concern here is that you have a 1600 s...
by OnTrack2020
Thu May 31, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 6862

Re: get sued for posting nagative online review?

I went to the GoFundMe page the woman set up to help pay her legal bills. If you look down to see the updates, a nurse explains why she was billed what she was billed. I have a feeling the woman may not have understood how her insurance benefits would be paid? Don't know. :confused But there's a li...
by OnTrack2020
Wed May 30, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4543

Re: My mind exploded

Need some perspective here. DD (18, just graduated etc etc) got some money for graduation. I know many of the people that gave her this "starting out money" and it was no easy stretch for them. She all in probably netted around $1000. I happened to glance at her account and I noticed that she had d...
by OnTrack2020
Tue May 29, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 6862

Re: get sued for posting nagative online review?

I went to the GoFundMe page the woman set up to help pay her legal bills. If you look down to see the updates, a nurse explains why she was billed what she was billed. I have a feeling the woman may not have understood how her insurance benefits would be paid? Don't know. :confused But there's a lit...
by OnTrack2020
Sat May 26, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy at 55
Replies: 16
Views: 2891

Re: Investment Strategy at 55

Correct me if I'm wrong, but a $450,000 home in Nevada seems to be a lot of house for a single person. Any chance she would be willing to downsize?
by OnTrack2020
Wed May 23, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Need help with debt strategy
Replies: 47
Views: 2616

Re: Need help with debt strategy

How come all of your student loans are due at once? I'm assuming there is an option to set up a payment plan?
by OnTrack2020
Wed May 23, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1806

Re: Babymoon - Hawaii Recommendations/Expected Costs

Ugh. Almost the full consensus on this board is so lame... "It would be more relaxing to sit on my couch and watch Netflix, bah." Perhaps if you don't like to travel, don't comment on a thread where the OP is looking for recommendations? /rant Focus: my wife and I chose Maui for the babymoon and st...
by OnTrack2020
Wed May 23, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1806

Re: Babymoon - Hawaii Recommendations/Expected Costs

I simply would not travel that distance to relax while pregnant for 3 or 4 nights. Simply not worth it. You'd probably need a minimum of 7 to 8 nights in Hawaii to make it worth your while. You didn't mention where you live, but we've done that trip before with three kids, and I simply cannot tell y...
by OnTrack2020
Wed May 16, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2316

Re: Why this problem never gets fixed

I do buy in Mexico. I've saved thousands in dental (both a dentist and oral surgeon). Wife sees a dermatologist. We have no pressing needs at the moment but have included a cross-border trip in our plans for next winter. But why should this even have to happen? One should not have to travel to anot...
by OnTrack2020
Wed May 16, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2316

Re: Why this problem never gets fixed

I can only control what I can, but agree with the OP as to why problems never get fixed. I do believe it would put an entire industry/ies out of business. No one dare mention (and it is political) about getting rid of the middleman--insurance companies. Explain to me why under a low deductible FSA p...
by OnTrack2020
Sun May 13, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Does previous FAFSA apps affect future ones?
Replies: 7
Views: 658

Re: Does previous FAFSA apps affect future ones?

One of our son's received scholarships from the university and, thus, we needed to fill it out.
by OnTrack2020
Sun May 13, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: 4 cars for 3 drivers?
Replies: 15
Views: 1161

Re: 4 cars for 3 drivers?

We currently have 5 cars for 5 drivers, and the vehicles are in use constantly--work, college, high school, part-time jobs, etc. If we did not have the vehicles, all I would be doing is offering a taxi service. We live in a rural area that is heavily reliant on the use of vehicles to get around; rea...
by OnTrack2020
Sun May 13, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Subcompact SUVs/Sedans with Adjustable Pedals Question
Replies: 12
Views: 692

Re: Subcompact SUVs/Sedans with Adjustable Pedals Question

I can only offer a second hand comment, but a friend who is very short swears by the Honda Fit. She is definitely under five feet. Thank you. This is very helpful. My 2013 Nissan SUV has adjustable pedals so they’re definitely available on some cars. I will have to check to see if this is a larger ...
by OnTrack2020
Fri May 11, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Subcompact SUVs/Sedans with Adjustable Pedals Question
Replies: 12
Views: 692

Subcompact SUVs/Sedans with Adjustable Pedals Question

I am curious if any of you drive a smaller vehicle with adjustable pedals? We have a teenager who is very eager to learn to drive, but we need to find a smaller vehicle and a vehicle that has adjustable pedals, as she is under 5 foot. Any suggestions? We would also need to make sure that the seat he...
by OnTrack2020
Thu May 10, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Pay contractor, even though he damaged home?
Replies: 11
Views: 2065

Re: Pay contractor, even though he damaged home?

Yes, she should pay him. She was reimbursed for damages for the contents of the bedroom--mattress, paint, carpet, fixing sprinkler, etc. Just because she had to do extra work doesn't mean he shouldn't get paid. Accidents happen; things get delayed; people are left to pick up the pieces. I imagine he...
by OnTrack2020
Wed May 09, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5748

Re: How to handle problem employee

davebo, I'm sure you've read between the lines here. The vast majority of responses have been that the employee is not the problem in this situation. A successful manager will find a way to make their employees successful, plain and simple. "Slightly awkward" is subjective. We can find "slightly awk...
by OnTrack2020
Fri May 04, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: 2019 Corolla Hatchback
Replies: 9
Views: 1103

Re: 2019 Corolla Hatchback

We test drove an IM last summer. Although it scooted around okay (we're not young by the way), it seemed to be very low to the ground and a little too small for what we were looking for. Ended up with a Corolla. I understand about the "understatement" in the interior, but it is what it is. They are ...
by OnTrack2020
Fri May 04, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 3054

Re: When would you replace a car?

Definitely replace with something new/newer and the features you want. I think the vast majority of people in this thread are saying the same. Babies get sick a lot and at the most inopportune time also. Doctors appointments are pretty standard for the first few years and during pre-school years. Dr...
by OnTrack2020
Thu May 03, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor selling a practice
Replies: 23
Views: 2814

Re: Doctor selling a practice

The Doc who is selling a bigwig in the dentist circles so hopefully he finds a great buyer. He’s involved with the ADA and stuff like that. So you think this audit is the partners wanting the value, and not buyers? Thanks My guess is the current dentist/s knows how much their business is worth. The...
by OnTrack2020
Thu May 03, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor selling a practice
Replies: 23
Views: 2814

Re: Doctor selling a practice

My former dentist recently sold his practice to a new dentist. From what I've seen at my child's appointment and my appointment, it looks like all of the front office staff, hygienists, etc. were retained. From the appearance of things, everything looks like the transition went smoothly. I'm assumin...
by OnTrack2020
Thu May 03, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend less on kids' tutoring fee?
Replies: 13
Views: 1796

Re: How to spend less on kids' tutoring fee?

What about other students? Or is that who is coming to your home now? I would think that the fees for A/P students wouldn't be very much.
by OnTrack2020
Thu May 03, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2323

Re: Budget for kid's sport?

renue74 wrote:
Thu May 03, 2018 8:25 am

But...for goodness sakes...what family can devote so much time and money to a child's hobby!?!?!?
For some reason, there are parents out there that do believe their child will be the next (insert professional athlete name here).
by OnTrack2020
Tue May 01, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6495

Re: Berkshire Hathaway B

Taxable. I bought 5 shares back around 2003 for around $2,900 per share. My husband thought I was nuts because it didn't pay a dividend. (I had tried to purchase it earlier when it was around $1,300 per share, but he didn't think that was a good idea either). Anyhow, fast forward to 2010 when it spl...
by OnTrack2020
Sun Apr 29, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help automating finances for low income sibling who is bad with money
Replies: 10
Views: 1345

Re: Help automating finances for low income sibling who is bad with money

OP, please tell us more. Does your sibling qualify for any government assistance? Since you mentioned you are the trustee, is there already a trust set up?
by OnTrack2020
Sun Apr 29, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help automating finances for low income sibling who is bad with money
Replies: 10
Views: 1345

Re: Help automating finances for low income sibling who is bad with money

We have an adult special needs son currently in college who, in terms of money management, we keep things pretty basic (a savings account and a checking account). Our son tends to be pretty frugal. You will needs to set things up with your/your mom's name on the accounts. My question for you is wher...
by OnTrack2020
Thu Apr 19, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2671

Re: Master Bath remodel price?

We just did a bathroom update. I'm not sure it's a remodel, because we didn't move any walls or plumbing. It turned out very nice. We installed new lighting fixture, bathroom fan/light, vanity, granite countertop, flooring tile, new shower surround, tempered glass shower door, shower and sink fixtur...
by OnTrack2020
Wed Apr 18, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3556

Re: Broke up with my girlfriend for financial reasons: crazy?

First, I should say I am old enough to be your mother. Even married couples have disagreements about money. Even if you are to meet someone you are compatible with, like this woman, it doesn't negate the fact that you make over 7 times what she makes. The vast majority of women that you will meet ar...
by OnTrack2020
Wed Apr 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 17132

Re: Can I retire at age 40?

So you are living off $95k plus $25k insurance with a paid off home and vehicles. We also have 4 kids and a paid off home, and I'm thinking you can do it if you cut back on the $95k expenses. Definitely keep your health insurance. You could see where you can cut some of the $95k and start saving for...
by OnTrack2020
Fri Apr 13, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12786

Re: Work Commute: How far is too far?

At some point, something will have to give. Either children will enter the picture (weren't mentioned by OP), or you will simply grow older and tire of it--at some point. My husband and I used to commute one hour in opposite directions. Once we had children, it was just too difficult. All we did was...
by OnTrack2020
Thu Apr 12, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2638

Re: To HSA or HSA -- explain like I'm 5.

The only way to plan for the unknowns is to have a lot in savings, because otherwise it's too difficult. If I could go back to our low deductible, FSA plan I would in a heartbeat. We changed to the HDHP with HSA this year and have been sorely disillusioned---even with the tax break. I realize every...
by OnTrack2020
Wed Apr 11, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2638

Re: To HSA or HSA -- explain like I'm 5.

The only way to plan for the unknowns is to have a lot in savings, because otherwise it's too difficult. If I could go back to our low deductible, FSA plan I would in a heartbeat. We changed to the HDHP with HSA this year and have been sorely disillusioned---even with the tax break. I realize everyo...
by OnTrack2020
Tue Apr 10, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2270

Re: Persian Rug Passed Down From Grandmother

It is only worth what someone is willing to pay for it. I would lay it out in the living room and get as much enjoyment from it as possible.
by OnTrack2020
Tue Apr 10, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 2006

Re: Driver's permit before 18 - Any financial incentive

There are two sides to this. If they are driving before age 18, they will be able to then drive to a part-time job. That is a financial benefit to you. They will have their own spending money, gas money, etc. If your child is a good student, the insurance company will want a record of their grades s...
by OnTrack2020
Sat Apr 07, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15251

Re: Parents have zero savings. What can I do?

Other than the advice you've been given about SS, nothing. It's really not your responsibility. Your parents are adults. They've made their decisions. My mother-in-law had basically nothing when she died, except for all her small trinkets. She lived the vast majority of her life not making very much...