Search found 362 matches

by Determined
Mon Oct 28, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medical billing vent
Replies: 9
Views: 1156

Re: Medical billing vent

My college daughter is out of state. She went to the orthopedist. When she got the bill, the receptionist was surprised it was so high. I got the EOB, logged into their payment sit and found a bill for $550 yet my cost was actually $29.77. So I called the office today. The billing apologized saying...
by Determined
Mon Oct 28, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medical billing vent
Replies: 9
Views: 1156

Medical billing vent

My college daughter is out of state. She went to the orthopedist. When she got the bill, the receptionist was surprised it was so high. I got the EOB, logged into their payment sit and found a bill for $550 yet my cost was actually $29.77. So I called the office today. The billing apologized saying ...
by Determined
Fri Sep 27, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2562

Re: Financing house after divorce

I have been divorced for five years. I recommend living in a place with as little upkeep as possible. Although I own my condo, I would not consider going back to a house as a single parent.
by Determined
Fri Aug 16, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4783

Re: Kindergarten lunches

Duckie wrote:
Fri Aug 16, 2019 6:08 pm
I thought kindergarten was only for half a day. Is it for a whole day now?
We have had full day for fifteen years.
by Determined
Fri Aug 16, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4783

Re: Kindergarten lunches

Somewhat back on topic, make sure your child can open everything. Juice boxes, fruit cups, even small disposable water bottles can be difficult and messy. And know that whatever you send, it’s very possible a lot of it could end up in the trash. Unless you have spent time in a school cafeteria, part...
by Determined
Tue Jul 30, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Limited Purpose FSA - Ophthalmologist fees?
Replies: 3
Views: 245

Re: Limited Purpose FSA - Ophthalmologist fees?

Sorry you are not getting any answers. I have only used a Limited FSA for orthodontia. That was straight forward.
by Determined
Sun Jul 21, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 50
Views: 4097

Re: How to get rid of a piano?

A school, college, or community theatre program might be interested in it as a set piece.
by Determined
Sun Jun 30, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Head of Household when married
Replies: 3
Views: 528

Re: Filing Head of Household when married

Yes. I read the part about the final six months. Thanks.
by Determined
Sun Jun 30, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Head of Household when married
Replies: 3
Views: 528

Filing Head of Household when married

While reading another thread I wondered about ahead of Household status as I remarried a few weeks ago. I have residential custody of my minor son from my first marriage and own our home. My husband is a professor several hours away where he has a home. His older daughter has lived there since Janua...
by Determined
Mon May 27, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1636

Re: Three days In Montreal

If you will be there between June 14 to 22, and you like big street festival atmosphere, the annual Francofolies https://www.francosmontreal.com/en-CA/Francos/AccesAuSite (French language music festival) will be going on in the Quartier des spectacles (multi-block area in downtown convenient to the...
by Determined
Mon May 27, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 5084

Re: Teaching jobs

Four interviews is not that many. There will be new jobs open as the domino effect kicks in. Math and science is definitely a better area than English or History. Connections mean a lot in many districts. If nothing pans out this year, she should commit to substituting in her preferred district or t...
by Determined
Mon May 27, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1636

Re: Three days In Montreal

We stayed 4 nights in Montreal and 3 nights in Quebec City. I was underwhelmed by Montreal (except Notre Dame) but really enjoyed QC and the Frontenac. I have no desire to return to Montreal but am looking forward to another visit to QC. We had talked about Quebec City, but it’s too far to fit our ...
by Determined
Mon May 27, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1636

Re: Three days In Montreal

This popular and unique Montreal show has been a huge hit with a variety of my friends/relatives/acquaintances: https://www.aurabasiliquemontreal.com/en/#top Scroll down to the video. As you watch it, imagine how awesome it is to be right in the middle of that space during the show! Looks amazing a...
by Determined
Sun May 26, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1636

Re: Three days In Montreal

Thanks. It’s an anniversary trip so an elegant dinner may be in order.
by Determined
Sun May 26, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 17968

Re: Are you on Facebook?

Yes because it’s where most of the music education communities migrated to. It’s how we network.
by Determined
Sun May 26, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1636

Three days In Montreal

My husband and I will be spending three days in Montreal in June. We are driving from Michigan. Any favorites and tips? We have looked at getting the attraction pass that also covers public transportation. Thanks.
by Determined
Mon May 20, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Escrow issues with Fifth Third
Replies: 10
Views: 880

Re: Escrow issues with Fifth Third

turnturnturn wrote:
Mon May 20, 2019 5:30 pm
Maybe a complaint to the CFPB would help. https://www.consumerfinance.gov/ask-cfp ... nt-en-2082
Thank you. I will do that. They have had more than enough opportunities to fix this.
by Determined
Mon May 20, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Escrow issues with Fifth Third
Replies: 10
Views: 880

Re: Escrow issues with Fifth Third

Unfortunately you don't get to decide about cancelling escrow, the bank does. However their incompetence in making insurance payments might help you persuade them. Well that’s unfortunate. So I can opt in to have insurance and property taxes escrowed, but I can’t opt back out? I have had zero issue...
by Determined
Mon May 20, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Escrow issues with Fifth Third
Replies: 10
Views: 880

Escrow issues with Fifth Third

I am so done with 5/3! I assumed my mother’s mortgage for a condo I now live in after her passing. $56000 remaining at 3.125% coming due in 2030. I had issues getting the escrow sent to the insurance company in Jan 2018. Perhaps it was issues with the assumption? So I called in December of 2018 to m...
by Determined
Thu May 09, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA While Spouse is on Maternity Leave
Replies: 6
Views: 612

Re: Dependent Care FSA While Spouse is on Maternity Leave

My experience is you must decide your FSA election before the calendar year begins. I believe the daycare expenses would be eligible while she is on leave, but I never did that. Your HR should be able to provide you with more definite answers.
by Determined
Thu May 09, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability: Fibromyalgia
Replies: 31
Views: 3836

Re: Social Security Disability: Fibromyalgia

My mother dealt with fibromyalgia for years. They also kept an eye on signs of lupus as it runs in the family. Though teaching was a struggle with fibromyalgia, once the symptoms of lupus appeared, there was a much clearer protocol of treatment and she did retire on disability. Fibromyalgia is so di...
by Determined
Thu May 09, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4334

Re: Undergrad major in Economics or Finance?

My fiancé teaches at Penn St. Behrend (Erie) at the Black School of Business. He teaches the senior capstone classes and gets all the majors in economics, finance, business, marketing, etc... He also consults with businesses in strategic leadership. He says finance. Thanks for the response. He's cu...
by Determined
Wed May 08, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4334

Re: Undergrad major in Economics or Finance?

My fiancé teaches at Penn St. Behrend (Erie) at the Black School of Business. He teaches the senior capstone classes and gets all the majors in economics, finance, business, marketing, etc... He also consults with businesses in strategic leadership. He says finance.
by Determined
Sun May 05, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Cost of summer camp
Replies: 9
Views: 1441

Re: Cost of summer camp

My ex said he misread the invoice and thought it was $4000. The end.
by Determined
Sat May 04, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Solar blinds and sliding panels
Replies: 2
Views: 509

Re: Solar blinds and sliding panels

Thanks for sharing your experience. I will have 12 ft of west facing sliding doors to cover. We are slightly wooded so sun is not a huge issue. Privacy is also not a major concern, but I do want something to cover them in winter. Good to know these places will come measure.
by Determined
Sat May 04, 2019 3:53 am
Forum: Personal Consumer Issues
Topic: Solar blinds and sliding panels
Replies: 2
Views: 509

Solar blinds and sliding panels

Does anyone have experience with solar blinds and more specifically panels for sliding doors? I brought some samples home from a local design store, and but I haven’t asked for a quote yet. What brands are recommended? Openness of weave? How about ordering online?
by Determined
Sat May 04, 2019 3:41 am
Forum: Personal Consumer Issues
Topic: Cost of summer camp
Replies: 9
Views: 1441

Re: Cost of summer camp

Determined, Is the person who is questioning the price tag someone who has ANY experience with a non-subsidized sleep away camp fee currently? Or is his sticker shock based on what it cost 30 years ago? Care.com reports that the average cost of sleep away camp is $768. per week. Thanks for sharing ...
by Determined
Fri May 03, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Cost of summer camp
Replies: 9
Views: 1441

Re: Cost of summer camp

winterfan wrote:
Fri May 03, 2019 6:03 pm
That sounds about right. Overnight camps here in the upper midwest run from 500-700 a week (depending on the type of camp).
Forget to mention we are also in the Midwest/Great Lakes.
by Determined
Fri May 03, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Cost of summer camp
Replies: 9
Views: 1441

Cost of summer camp

What would consider a typical cost for a two week overnight summer camp? The back story: My young teen has been attending a ymca camp for several summers. I have not asked his dad to assist with anything in four years. He indicated that he is now in a position to help. He pays $200 a month child sup...
by Determined
Tue Apr 30, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Loans held in Trust after distribution
Replies: 8
Views: 281

Re: Loans held in Trust after distribution

Gill wrote:
Tue Apr 30, 2019 4:08 pm
I'm not sure of the terms of your guarantee, but if you pledged trust assets as collateral for loans they would still be subject to that pledge. However, it wouldn't seem either of the beneficiaries would be personally liable for those loans.
Gill
I will look into it more. Thank you.
by Determined
Tue Apr 30, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Loans held in Trust after distribution
Replies: 8
Views: 281

Re: Loans held in Trust after distribution

Are the beneficiaries receiving assets subject to outstanding loans? If so, the asset would still be collateral for the loan but the beneficiaries would not become guarantors unless they agreed to be. Gill Yes. It is a 50/50 distribution of shares of the business. When you say "shares of the busine...
by Determined
Tue Apr 30, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Loans held in Trust after distribution
Replies: 8
Views: 281

Re: Loans held in Trust after distribution

Are the beneficiaries receiving assets subject to outstanding loans? If so, the asset would still be collateral for the loan but the beneficiaries would not become guarantors unless they agreed to be. Gill Yes. It is a 50/50 distribution of shares of the business. When you say "shares of the busine...
by Determined
Tue Apr 30, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Loans held in Trust after distribution
Replies: 8
Views: 281

Re: Loans held in Trust after distribution

Are the beneficiaries receiving assets subject to outstanding loans? If so, the asset would still be collateral for the loan but the beneficiaries would not become guarantors unless they agreed to be. Gill It is a 50/50 distribution of shares of the business. I was just talking to the trust lawyer.
by Determined
Tue Apr 30, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Loans held in Trust after distribution
Replies: 8
Views: 281

Loans held in Trust after distribution

What happens to business loans (mortgage, SBA, equipment) that are currently in a trust when it is distributed to the beneficiaries? Do the beneficiaries then become guarantors ion the loans? What if a beneficiary is over-leveraged? There are two of us, and my name is on the loans as trustee. Distri...
by Determined
Tue Apr 30, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Can I max out Roth 457b, Roth 401k and Roth IRA?
Replies: 4
Views: 575

Re: Can I max out Roth 457b, Roth 401k and Roth IRA?

Yes. I am also doing this. This year I deferred 75% of my w2 income including pension contributions. I make up for it with passive income from the inheritance. I also have pass through income which varies greatly each year, but I don’t actually receive all of that. So this strategy helps keep my tax...
by Determined
Fri Apr 26, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3475

Re: Why would Ortho push for Invisalign? (non-medical question)

One detail to ask about the Invisalign. If you have a tooth that needs rotated, they glue a block onto the front of your tooth. There is a square hole in the invisalign that block fits in to so it can rotate the tooth. That block was on one of my front upper teeth. It looks kind of funny. Not so ba...
by Determined
Fri Apr 26, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3475

Re: Why would Ortho push for Invisalign? (non-medical question)

So you can brush and floss your teeth properly :) Seriously, my son is finishing his invisalign right now and they've been awesome. Yes, the ortho doesn't have to spend much time with him but she does make sure everything is working. I suspect they are making much more per hour with invisalign. BTW...
by Determined
Fri Apr 26, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account
Replies: 18
Views: 4403

Re: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account

I got the offer and I was real excited by it at first because I have been thinking about getting one of those Citi Accelerate accounts. But $30 a month is an egregious fee (though it would be largely offset by the additional 0.5% cash back in my case). And $50,000 required balance is pretty demandi...
by Determined
Wed Apr 24, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Possible Divorce: Pension & Job Options
Replies: 47
Views: 5159

Re: Possible Divorce: Pension & Job Options

I am divorced in Ohio. There are some variations by county, but financially it doesn’t matter who contributed to the investments. They will look at your last three years of earnings and consider your earning potential based on history and education. Alimony is no longer tax deductible due to the new...
by Determined
Thu Apr 18, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7330

Re: American Funds vs Vanguard

I have American Funds in a 403b that I no longer can contribute to due to changes my employer made. I am still employed with the school district so I can’t roll it over. It has done extremely well. Opened it about 20 years ago with a total investment of $30k. It’s value is $88k today. I am not sayin...
by Determined
Wed Apr 17, 2019 5:09 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 39
Views: 4687

Re: Leave a job with a pension?

Significant other has a pension and she will be able to collect when she meets the rule of 80, whenever that time comes (year 2200). Having the pension has frozen her from going somewhere else. Just like many other teachers, she is miserable, underpaid, overworked, kids are brats, irresponsible par...
by Determined
Tue Apr 16, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Late K1
Replies: 9
Views: 1029

Re: Late K1

My K1 arrived today! I received notice that it was delayed until April 8. Postmarked April 12th. Dropped it the accountant, but it’s already filed. I am sending the bill to Wells Fargo😀
by Determined
Tue Apr 16, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Executor of Will - Selling House in Poor Condition
Replies: 84
Views: 6903

Re: Executor of Will - Selling House in Poor Condition

In my personal experience, clear it out and sell it as soon as possible. Do the minimum to make it presentable. I was the executor for my mother’s house. My brother and I both live a 2-3 plane trip away. He wanted to hold on to it for a while. I should have asserted my responsibility as executor, bu...
by Determined
Thu Apr 11, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 for older sibling
Replies: 9
Views: 1112

Re: Using 529 for older sibling

Thank you, all.
by Determined
Thu Apr 11, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a rental house for ex-wife
Replies: 29
Views: 2833

Re: Purchasing a rental house for ex-wife

Here's where I see the problem. Will the courts agree to this? The child support you are paying pays for your child's housing. You can only deduct his/her portion of the housing from your child support. What happens in 13 years? I don’t think this is possible where I live. You can’t deduct from chi...
by Determined
Wed Apr 10, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Tax advice for newlyweds ( second marriage)
Replies: 8
Views: 795

Re: Tax advice for newlyweds ( second marriage)

Congratulations! I don’t know the intricacies, but you can file jointly or separately as a married couple. This is a case where talking to a tax accountant sooner rather than later will help you make better decisions. I did mention it to the accountant today which is what motivated this post. He me...
by Determined
Wed Apr 10, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax advice for newlyweds ( second marriage)
Replies: 8
Views: 795

Tax advice for newlyweds ( second marriage)

We are getting married in June. Any insights about what to look for this tax year? I am head of household with residential custody of one child. I do not receive alimony. He is a single filer and non- custodial parent of one minor child. He pays alimony. We both have HSAs so I know we need to accoun...
by Determined
Sun Apr 07, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 for older sibling
Replies: 9
Views: 1112

Re: Using 529 for older sibling

I paid out of pocket the first three years. My oldest son’s tuition was paid with 529 money. I divorced when they were in HS so things were a little complicated for a while. Yes, I am an Ohio resident. I didn’t know about that option when she started college. I have the money to pay out of pocket. I...
by Determined
Sun Apr 07, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Using 529 for older sibling
Replies: 9
Views: 1112

Using 529 for older sibling

I have about $10,500 in a Ohio 529 for my 13 year old. I have been funding it to maximize the state deduction. It hasn’t been doing particularly well. I have other money set aside in CDs. I really don’t know if he will go to college. My daughter is a college junior. I pay the balance of her tuition ...