Search found 243 matches

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: 53
Views: 2588

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: 5717

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: 2177

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: 2823

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: 2713

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: 2608

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: 7684

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: 925

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: 2370

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: 4726

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: 1394

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: 109
Views: 6647

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: 4041

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: 39
Views: 2650

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: 1887

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: 956

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: 5243

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: 3304

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: 5470

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: 5470

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: 2063

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: 1909

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: 9284

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: 2101

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: 7825

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: 6237

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: 2728

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: 2495

Re: Tornadoes in Iowa,Nebraska,KC In August

Heat and humidity, yes. Tornadoes, highly unlikely.
by OnTrack2020
Wed Jul 18, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 5611

Re: Which minivan?

We purchased a Toyota Sienna AWD in 2010 (a 2011 model). We still have it, and I still love it! However, we had three kids at the time, and we were adding a fourth. Our other vehicles could not accommodate the six of us. For one child, I wouldn't purchase a van. They are simply too expensive if you ...
by OnTrack2020
Wed Jul 18, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3636

Re: 35 minute connection for flight, long enough?

A few years ago, I booked a flight to Orlando for our family with a connection through Denver on SW. The connection time was 45 minutes. Never again would I do that. The departing gate was not even remotely close to the gate where our plane landed, and we basically had to run to catch the next fligh...
by OnTrack2020
Sun Jul 15, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: GE Pension distribution questions
Replies: 6
Views: 886

Re: GE Pension distribution questions

The rollovers should not affect your contribution limit. When the company my husband works for terminated their pension program, there were two separate figures--one pre-tax and one after-tax. We specifically knew what those two separate figures were. And, so called the company we were transferring ...
by OnTrack2020
Sat Jul 14, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2930

Re: Retiring in early 2019

How much interest are the CD's generating currently per year?

How old are you?

That's a nice employer benefit for healthcare. Do you know how much the employer is paying on your behalf?
by OnTrack2020
Sat Jul 14, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3222

Re: What to do with extra $2500 a month?????

I personally would take $20,000 out of savings to pay down the boat. I'm assuming it's a standard savings account paying little interest. That would leave you with $5,000 in savings for emergencies, and roughly $17,000 owed on the boat. The $2,500 a month extra for the rest of the year and January w...
by OnTrack2020
Tue Jul 10, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3435

Re: Masterbath Remodel - Tub or No Tub ?

Most jetted tubs just collect spiders and dust. Sometimes potted plants. Complete waste of space for most people. This is our current situation. We put one in years ago--probably close to 15. Loved it then and used it often. Now, our kids are teens/20s and it never gets used. I'm at a loss as to wh...
by OnTrack2020
Sun Jul 08, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3068

Re: Would you take a job in a less desirable city if you had to work fewer days?

I would not do it. Being in an area that you love climate-wise and making a move to an area that is cold, my guess is you are not going to like it, especially if that area is more northern/midwest where it can be cold for 5 or 5-1/2 months of the year. It would help us to know the city you are think...
by OnTrack2020
Sat Jul 07, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5619

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Yes, you are getting hosed. The air filters are much cheaper elsewhere, like Walmart or on-line. I do not like the upselling that dealers do. I think air filters and cabin air filters are two of the biggies they try to sell a person on. With 8,000 miles, I hardly doubt your brake fluid would be dirt...
by OnTrack2020
Thu Jul 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Party for 30
Replies: 15
Views: 1746

Re: Party for 30

Your favorite hot dogs in a large crockpot. You stand them upright. Then, if the weather is good, you can throw some of them on the grill; they take up little room on the grill, and kids can still have a regular one out of the crockpot if they don't like them grilled. Serve with all the fixings--oni...
by OnTrack2020
Tue Jul 03, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2950

Re: How Not to be a Slave to my Wood Deck?

Have not yet read through all of the responses, but we have the same problem. We have pressure-treated lumber on our deck. It is a fairly large wrap around deck. I spent a lot of time a few summers ago staining the surface, rails, stairs, and posts. When fall came, we moved the patio furniture into ...
by OnTrack2020
Tue Jun 26, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11658

Re: $1 million house--- sanity check

I have never heard the words "incredible deal" and "$950,000 house" used in the same sentence. :shock: Personally, I wouldn't do it. We have 4 kids (2 in college, but still here during summers) with a 1,900 sq. ft. home and sometimes it feels really large. When our older 2 are at college during the ...
by OnTrack2020
Tue Jun 26, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Pre-made grout?
Replies: 8
Views: 941

Re: Pre-made grout?

We used a pre-made grout that was specific to the tile we ordered. It was for a small area (bathroom). I had also read on the company's website forum area not to mop in the grout lines because the grout was very porous. So I've pretty much just hand washed the tiles because it's such a small space. ...
by OnTrack2020
Tue Jun 26, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3172

Re: university admission issue

How many prerequisites are we talking about? A few classes or a year's worth? I guess, if we are thinking about this logically, why would a university evaluate a potential student's credits before they applied? From a business standpoint, it would make no sense; otherwise, they could be evaluating c...
by OnTrack2020
Sat Jun 23, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: 1st Vanguard Complaint in 30 years
Replies: 21
Views: 4079

Re: 1st Vanguard Complaint in 30 years

It is helpful to inform the public of issues so others can decide if they want to take the same actions or not. I have heard enough complaints about transfers of ira, would never transfer an ira to vanguard, or do anything that required any manual effort on the part of their customer service. I do ...
by OnTrack2020
Fri Jun 22, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mid career retirement planning, HCOL area
Replies: 9
Views: 1881

Re: Mid career retirement planning, HCOL area

Hmmm, I think $15k per year per child is a lot to save, especially for the first child where you have already saved $45k. $45,000 today at our son's private university would pretty much pay for two years tuition, room, and board after scholarships.
by OnTrack2020
Fri Jun 22, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: How to get cheap flights?
Replies: 18
Views: 1117

Re: How to get cheap flights?

Sometimes you can get low flights by flying on the holiday day (flying on July 4) and then returning sometime on one of the following weekdays of the next week (not a weekend). If I were to go this route (no pun intended), I would be paying less than $350 flying from the middle of the country--that'...
by OnTrack2020
Thu Jun 21, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3405

Re: 3 nights in Vegas

If you are staying on the Strip, you will not need a car while in Vegas; however, you will need transportation to/from airport and the occasional taxi. Also, take a good pair of walking shoes. Even though the hotels on the Strip look very close together, they are so large that walking from one to an...
by OnTrack2020
Mon Jun 18, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on House Purchase
Replies: 13
Views: 1796

Re: Sanity Check on House Purchase

Are you saying $360 for the month for child care or 3 days a week, which would be very low.
by OnTrack2020
Fri Jun 15, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6679

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: 3930

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: 3930

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: 3930

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.