Search found 173 matches

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: 2144

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: 2144

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: 599

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: 1101

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: 629

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: 629

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: 1996

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: 5460

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: 1039

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: 2941

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: 2726

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: 2726

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: 1707

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: 2182

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: 6239

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: 1295

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: 1295

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: 2585

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: 3366

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: 16575

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: 12215

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: 2570

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: 2570

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: 2229

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: 1906

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: 14742

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...
by OnTrack2020
Wed Apr 04, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 2899

Re: College freshman shopping—what don’t we need?

Here are a few things both my kids have needed. Bedding for normally a twin size XL (you can buy the package which includes the comforter/bedspread, sheet/s, and pillowcase/s. They have both been required to buy one of those foam size mattress pads which go on top of the mattress and under the sheet...
by OnTrack2020
Mon Apr 02, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: After tax rollover issues
Replies: 30
Views: 1259

Re: After tax rollover issues

I am quite curious--did you contact VG prior to these checks being sent to them to set up accounts for each one? And then did you give your 401k administrator specific instructions as to which account each one needed to go into at VG?
by OnTrack2020
Fri Mar 30, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 4301

Re: When did you know your kids would go to college?

We have two in college. One learned to read early, but didn't seem to want to apply himself. He was more of an auditory learner and not interested in opening a book. He's at a private school. We knew probably around middle school that he would go to some sort of school and he would ask us about coll...
by OnTrack2020
Sat Mar 24, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Buying large heavy items from places like Amazon
Replies: 22
Views: 1915

Re: Buying large heavy items from places like Amazon

Rarely ever do we purchase large items from a place that does not have delivery and setup in our home. I typically always check the weight of an item to make sure that, if it is larger, that we can physically carry/bring it into our home. Otherwise it just isn't worth it. It may have been okay when ...
by OnTrack2020
Thu Mar 15, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Check, deceased payee
Replies: 15
Views: 1517

Re: Check, deceased payee

The POA is no longer valid once your mother passed.
by OnTrack2020
Thu Mar 01, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Move or renovate?
Replies: 19
Views: 1353

Re: Move or renovate?

Hi I’m always impressed with the collective wisdom on this board and would like to tap into that resource. My existing home is nice but dated. When contemplating all the work we’d do to update (new floors throughout, updates to bathrooms, new paint, etc) I’m probably looking at 100k into a house cu...
by OnTrack2020
Wed Feb 28, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Will my lax approach to record keeping fly in an audit?
Replies: 40
Views: 3920

Re: Will my lax approach to record keeping fly in an audit?

We have been audited; it was a mail audit. We had to provide documentation for a credit we took, and the IRS held back the amount of the refund for the credit we took. It was during the time that Lois Lerner was at the helm of the IRS. On a forum that I was a member of, which is now defunct, many ot...
by OnTrack2020
Fri Feb 16, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7162

Re: How to get child's skin in the game for college?

So the issues are 1. How can a child of high earning parent get a student loan if necessary? 2. How to hold child accountable for the grades / performance to justify the free ride for college? Thanks Some harsh advice / feedback: 1) . You should feel lucky you are a high earner. You want a loan in ...
by OnTrack2020
Fri Feb 16, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7162

Re: How to get child's skin in the game for college?

Hello, I have two different issues that I need help with. Our dd is 17 and has already secured admission in local public university and will start college in Fall 2018. We have about 3.5 years of her undergrad tuition+room&board saved as of today. My husband wants to only pay 3 years of her college...
by OnTrack2020
Mon Feb 12, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question on reporting stock/ETF/mutual fund dividends
Replies: 5
Views: 241

Re: Question on reporting stock/ETF/mutual fund dividends

Our accountant lists each separately; probably easier due to if we sell any in future years.

Also, if we are "missing" a fund from last year, it's easy to point it out if each fund is listed individually.
by OnTrack2020
Mon Feb 12, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 53
Views: 6257

Re: Accountant not doing taxes while you are there

I take all our paperwork in and sit down with our CPA for an hour. She asks me questions; I ask her questions. She runs through the numbers on paper and tells me what we will owe/get owed and also goes over any changes we should making in the future. They have a small staff that enters the numbers. ...
by OnTrack2020
Mon Feb 12, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 2398

Re: How much life insurance - and for how long?

You know what your purpose is in buying life insurance---a, b, and c. Now figure out how much a, b, and c would cost. "a" is your mortgage - $108,000 "b" is child care - will probably be needed up until age 12. What does child care run--$1,000 per month per child? "c" is financial support for guardi...
by OnTrack2020
Thu Feb 08, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA...let me get this straight
Replies: 36
Views: 3888

Re: HSA...let me get this straight

Do I need to keep cancelled checks made to the provider, or will just the EOB suffice?
by OnTrack2020
Thu Feb 08, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: HSA...let me get this straight
Replies: 36
Views: 3888

HSA...let me get this straight

This is the first year we have an HSA. We are in our mid- and late- 50s. So, for any medical claims/bills, if we want to, we can pay out of pocket. Then, at a later date, several years down the road, we can be reimbursed for those medical expenses we are currently incurring today/this year/next year...
by OnTrack2020
Fri Feb 02, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Term insurance premiums: buy now or wait a year or two
Replies: 23
Views: 910

Re: Term insurance premiums: buy now or wait a year or two

Do you have dependents? A mortgage? Debts?
by OnTrack2020
Fri Feb 02, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Is it advantageous to have kids in college simultaneously from an aid perspective ?
Replies: 14
Views: 664

Re: Is it advantageous to have kids in college simultaneously from an aid perspective ?

We have two in college--a sophomore at a private university and a freshman at a more expensive community college. Both live on campus. I have seen no advantages from an aid perspective. They are willing to offer loans, which we simply are not interested in at this point. Would there have been more ...
by OnTrack2020
Fri Feb 02, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Is it advantageous to have kids in college simultaneously from an aid perspective ?
Replies: 14
Views: 664

Re: Is it advantageous to have kids in college simultaneously from an aid perspective ?

We have two in college--a sophomore at a private university and a freshman at a more expensive community college. Both live on campus. I have seen no advantages from an aid perspective. They are willing to offer loans, which we simply are not interested in at this point.
by OnTrack2020
Wed Jan 31, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 3653

Re: Disney visit

Both times we've been we stayed on property. We've stayed at Old Key West (on property) and it had a full kitchen in their two-bedroom villa. There are other resorts on-property that also have kitchens. There are online grocers who will deliver groceries to you. That may be a way of cutting the cost...
by OnTrack2020
Sun Jan 28, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: An Assistant to Help And Not an Employee?
Replies: 10
Views: 1174

Re: An Assistant to Help And Not an Employee?

This sounds like an employee based upon the duties you are describing.
by OnTrack2020
Sun Jan 28, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16942

Re: Dear wife quits job and now we are down to 1 income

Monthly Expenses: Mortgage, Taxes, Insurance = 1896 Electric =135 Cable, Internet, Alarm = 165 Water = 80 Cell (2 phones) = 86 Car Insurance (2 cars) = 167* Gas = 200 Car Maintenance (Unforeseen)= 75 Lunch and take out = 250 Groceries = 500 Sons formula, diapers, etc = 450 New Health Insurance cost ...
by OnTrack2020
Fri Jan 19, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 21
Views: 2628

Re: Contacting store after urgent care visit?

How old is your daughter? If she is of legal age, then I believe she should be the one making the phone call. If she's too embarrassed to make the phone call or go back to the store, then that is her decision. I would not expect them to pay the bill--to correct the problem of the splinters on the be...
by OnTrack2020
Mon Jan 08, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: criticize my portfolio
Replies: 7
Views: 748

Re: criticize my portfolio

Right off the bat, the VG HC Fund is a sector fund that is actively managed. That's not a bad thing---I used to have this fund and loved it. But as I've grown older, it's just too narrow in scope for me; I needed less risk. You don't mention how old you are---in your 20s or 50s?
by OnTrack2020
Mon Jan 08, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Private vs. Federal Student Loans?
Replies: 8
Views: 430

Re: Private vs. Federal Student Loans?

I cannot answer about the product differences; however, the student loans are disbursed at the beginning of each semester (1/2 at the beginning of the Fall semester; 1/2 at the beginning of the Spring semester).
by OnTrack2020
Mon Jan 08, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Math - What I am not thinking of?
Replies: 26
Views: 4379

Re: Early Retirement Math - What I am not thinking of?

I'm assuming funds for your child's education have been factored into this; I have no idea how much costs for education are in your home country.