Search found 288 matches

by OnTrack2020
Mon Nov 12, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 102
Views: 8001

Re: Granddaughter needs $ help for university

I do not understand this at all . It is mid-November with one month to go before Christmas break. How has your granddaughter made it this far along in the term without paying the college? Or did she have some money saved and was able to pay them? $50,000 divided by 2 semesters, as colleges split the...
by OnTrack2020
Mon Nov 12, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3937

Re: Feeling uneasy about recent splurge

Oh goodness...just remember, you spend basically 1/3 of your life in bed. Now enjoy the mattress!
by OnTrack2020
Sun Nov 11, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1191

Re: Help Me Buy A New Front Door

We had a very draft front door. I really think the first thing you need to do is find a good contractor. How you do that, I don't know--just ask and keep asking around. If you know of someone who has been through a remodel, ask them. We live next door to one, so, for us, that part was easy. We also ...
by OnTrack2020
Fri Nov 09, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 83
Views: 5941

Re: Too many choices for my next TRUCK

We purchased a truck a little over one month ago. When I did some internet research, the Ford F150s were outside of our budget even with the deep sales pricing and rebates, so we crossed that off our list. I strongly believe that Ford makes a great truck! That left us with three to look at--the Chev...
by OnTrack2020
Sat Nov 03, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1799

Re: Buying a mini-van

We bought a new Sienna back in 2010. It has a rear entertainment system. At the time, I loved it because we have four kids and travelled long distances to visit family. That was our main purpose for purchasing that option. We got a lot of use out of it. Now that our kids are older, are driving to hi...
by OnTrack2020
Fri Nov 02, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1307

Re: Vanguard Preliminary Estimates for Capital Gains

Gill wrote:
Fri Nov 02, 2018 3:54 pm
My experience, a least on the funds I hold, has been that the estimates are quite accurate.
Gill
This.
by OnTrack2020
Fri Nov 02, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4169

Re: Extreme credit card debt

Where are you planning on adopting from--here in the U.S. or internationally? Private or through the foster care system? As an adoptive parent, I will say that to adopt internationally is expensive. A private adoption would also be expensive. When going through a homestudy, it is required that you l...
by OnTrack2020
Fri Nov 02, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 72
Views: 4140

Re: 45% increase in marketplace insurance

So much for all the advance "news" about at 6% increase. Its hard to make sense of this financially. At over 2K/month, it doesn't pay for anything except catastrophic events. Of course if you did end up needing something, the medical system would happily charge you 2-3X more than they charge the in...
by OnTrack2020
Fri Nov 02, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 12
Views: 1974

Re: Damage caused by roofer, what are my options?

As you probably know by now, your problem is not going to get resolved with the roofing company. Get in touch with your insurance agent and explain this situation. Let them know you need to have the repairs done ($1500), because my guess is you are going to have bigger problems if you don't. They sh...
by OnTrack2020
Sat Oct 27, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7162

Re: How many miles (total) on car before buying another car ?

Just curious, At what miles (total) on the car do you guys buy a new one ? I have a car at 120k (10 years old) and wondering what is a reasonable time to throw it out and buy a new one. I know some people here at BH will likely have vehicles that have more than 300k miles. But aren't there downside...
by OnTrack2020
Thu Oct 25, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Mother-in-law Portfolio
Replies: 15
Views: 1304

Re: Mother-in-law Portfolio

It is the MIL's to do with as she pleases. But let's not go down the road of picking apart the SIL or her lifestyle choices and the fact that she chooses/chose to work part-time; after all, she is the primary caretaker of the MIL, something the other siblings are currently not doing , and that can b...
by OnTrack2020
Thu Oct 18, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 19
Views: 2279

Re: Temporary Credit Freeze Lift and non-required PINs - no security

Hmmm, I had to do some unfreezing of all three here in the past few weeks, and all requested the PIN.
by OnTrack2020
Sat Oct 13, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1235

Re: Suit for Teenager

Absolutely go to a Goodwill if you have one near you. In our area, they always have nice men's suit jackets for $7 or $8. I can't tell you the number of times our sons have needed a suit jacket in high school for a speech, mock interviews, or going to a dance. The quality has been great, and when ou...
by OnTrack2020
Fri Oct 12, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2836

Re: No bill to me - but found strange things on my health plan records

We had an EOB years ago for an eye doctor visit for my son. The thing is, during that time period, he never had an appointment with an eye doctor.
by OnTrack2020
Fri Oct 12, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1560

Re: Can a Person Under 21 Rent a Hotel Room?

Hilton website say 18 years or older. Marriott's website says there's no standard age and to call hotel directly. Etc. Best to call.
by OnTrack2020
Wed Oct 10, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: College loan advice?
Replies: 39
Views: 2860

Re: College loan advice?

Well, this is what we did. We had some, but not much, money saved up for college--around $24,000. Our son wanted to attend a private university. We gave him our blessing, and I really struggled with how we were going to pay for it; however, with scholarships it brought the price close to what it wou...
by OnTrack2020
Thu Oct 04, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 433

Re: Septic owner protection service contract or NOT?

We've lived in our current home for 18 years; we're on a septic system. I had no idea there was even such a thing. Personally, I think the $300 would be better spent on pumping your system out when it's time---my 2 cents. We did have to extend our drain field due to tree roots, but I don't think som...
by OnTrack2020
Wed Oct 03, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5489

Re: Need Health Insurance (Non-ACA Options)

You could hire some full time employees, provide benefits and keep your current plan. I offer the benefits to all of my employees. My office is open Mon-Weds one week and Mon-Thurs the other week. That averages to just under 30hrs/week. Anyway, I am doing what is best for my employees. I have two e...
by OnTrack2020
Tue Oct 02, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3176

Re: Anyone ordered a vehicle through a dealership?

On a dealer trade, I've always gotten a much cheaper price by figuring out what dealer they are getting it from, then working with that dealer directly. We do not want to do this. All of our service work is done with this local dealership--we have several vehicles. In 2016 I shopped a Toyota Tacoma...
by OnTrack2020
Sun Sep 30, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6083

Re: How to tell contractor you don't plan to pay him.

I would call him and ask why it was done the way it was done. I don't know much about roofing. What would he have to do---take all of the shingles off and then re-shingle during nice weather? Can you ask him to do that? Are you able to move your solar panels into a garage? Again, I don't know much a...
by OnTrack2020
Sun Sep 30, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3176

Anyone ordered a vehicle through a dealership?

We are in the market for a new truck. We have a local dealership where we service and purchase our vehicles. We are looking for a particular vehicle, but we are not seeing it on their lot. Has anyone ordered a vehicle before? How does the process work. Is there any room for negotiation with 2019 veh...
by OnTrack2020
Fri Sep 28, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Short/Long Term Planning for Young Child with Special Needs
Replies: 7
Views: 704

Re: Short/Long Term Planning for Young Child with Special Needs

Our youngest son was diagnosed with a developmental disability (austim spectrum) when he was around age 2. He is now 19 and in college, drives back from college (it's not that far) on the weekends to work at his part-time job. We have never had any 529s for any of our children. We've always put fund...
by OnTrack2020
Tue Sep 25, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13142

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Am late to this post. The $20k paid out in expenses for working long hours (help with kids, etc.) can now be shifted and will go a long way toward paying health insurance premiums/deductibles, etc. Glad you have made the right decision---can't even imagine working those hours. Please keep us posted ...
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: 3526

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: 5570

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: 1559

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: 1559

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: 2415

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: 2415

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: 1889

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: 543

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: 1875

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: 5647

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: 1382

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: 1382

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: 1119

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: 859

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: 3087

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: 807

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: 22054

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: 2982

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: 1847

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: 799

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: 12491

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: 6718

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: 6237

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: 2533

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: 3166

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: 2876

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 ...