Search found 202 matches

by mariezzz
Thu Sep 27, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 47
Views: 2775

Re: When do you need a hearing aid

The reality of it is, is that the longer you go without hearing well, the harder it is to recognize some words, after you are fitted with hearing aids. You tend to forget what they sound like, and it takes a moment to process the sound. People with profound hearing loss that go an extended period o...
by mariezzz
Wed Sep 26, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 29
Views: 4709

Re: 40/60 allocation returns ytd

It is just a down year, I wonder how many of us that are active on here just started investing in the last 10 years.. I started pretty much early last year.. If so then we have seen the last 10 years having outstanding performance, and I think people are forgetting this is a long game idea.. Not ju...
by mariezzz
Wed Sep 26, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7406

Re: cleaning lady stealing

I'd change the locks at a minimum. This is why we don't have a cleaning service, I'm paranoid. I agree. My problem is I don't trust friend/relatives of the cleaning people. I have somewhat similar feelings. I grew up with a somewhat paranoid Father. When he would return a VHS tape to the rental pla...
by mariezzz
Sun Sep 23, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Question for minor car accident (other side clearly at fault)
Replies: 11
Views: 1196

Re: Insurance Question for minor car accident (other side clearly at fault)

I think the OP's insurance company was misleading by suggesting that his/her insurance would be adversely affected by an accident for which they were not at fault. (Always get a police report!) I would have handled it the same way you did in terms of filing with your own insurance company. At least...
by mariezzz
Sun Sep 23, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6951

Re: Don't trust Tripadvisor reviews

Not sure when people will realize this but most reviews online are fake. It’s a huge business, especially on Amazon. Go look at a site like Trustpilot, businesses pay them to contact their “customers” to solicit positive reviews. Companies end up competing in ranking wars just like SEO wars. Whatev...
by mariezzz
Wed Sep 19, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: 40/60 allocation returns ytd
Replies: 29
Views: 4709

Re: 40/60 allocation returns ytd

It is just a down year, I wonder how many of us that are active on here just started investing in the last 10 years.. I started pretty much early last year.. If so then we have seen the last 10 years having outstanding performance, and I think people are forgetting this is a long game idea.. Not ju...
by mariezzz
Tue Sep 18, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7866

Re: I see now why Rollovers can take FOREVER ....

I rolled over a 403b from TIAA to a Vanguard IRA about 8 years ago. I did everything on paper, via US mail. It took a while, 6-7 weeks - the Vanguard agent said TIAA was very slow to process these things, but aside from downloading the forms, I didn't do anything via the internet. I believe I needed...
by mariezzz
Tue Sep 18, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2707

Re: Bank of America credit card “feature” (be careful with autopay)

I cancelled both my BOA cards because out of all my cards, they were the least convenient to pay. They actually wanted me to come into a branch and sign papers in order to set up auto pay from my online bank. Every step of the way, they tried to get me to set up a BOA checking account to "make it e...
by mariezzz
Tue Sep 18, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 6090

Re: Chase Bank is the Devil

So go open account and get a $200 bonus. Sometimes it is $300. https://www.doctorofcredit.com/chase-business-checking-200-bonus-no-direct-deposit-required-2/ You pay taxes on any bank bonus. Factor that into the equation as to whether it's worth it. I guess if you're opening an account, the time in...
by mariezzz
Tue Sep 18, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1295

Re: Attic Insulation Removal/Replacement Costs

We are looking at having our attic insulation removed and replaced. I believe it is original to the house, approx 35. years old blown fiberglass. It is quite dusty/musty (can smell it in the main floor of the house at times, especially if the attic fan is on) and was not installed properly (no soff...
by mariezzz
Tue Sep 18, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 177
Views: 22394

Re: Vanguard - You'll need to sign up for security codes soon

I don't have a phone (recently retired with no cell or landline nor any intention of obtaining one anytime soon). The majority of my investments are with Vanguard. I have an iPad I use to text and email, but apparently Vanguard is insisting upon a telephone number. Am I going to have to quit Vangua...
by mariezzz
Mon Sep 17, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Aimloan.com for a refinance?
Replies: 12
Views: 834

Re: Aimloan.com for a refinance?

They're very knowledgeable and competent. You just have to be comfortable scanning & sending documents quickly - if you scan documents as images (without OCR), that's a little more secure. When I refinanced 6 years ago, they said they don't outsource servicing for 15-year mortgages (although they al...
by mariezzz
Mon Sep 17, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5262

Re: Delaying SS? How Long It Will Take for It to Pay Off?

See my post, Re: Investing monthly Social Security payments , for more on this table including instructions for modifying it for other NRAs. [*]Member ObliviousInvestor 's nice Open Social Security Calculator , in contrast, is currently using a default discount rate slightly less than 1%.[/list] Th...
by mariezzz
Mon Sep 17, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10298

Re: Massive Student Loan Debt - Fiancee

I quickly scanned the previous responses so I apologize if this has already been stated. I would strongly suggest keeping your finances separate. You pay your bills and she pays her bills. You should each contribute to the rent, groceries according to your salaries. For example if you each make 45k...
by mariezzz
Sun Sep 16, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10298

Re: Massive Student Loan Debt - Fiancee

Yeah I'm not seeing the problem with the scenario as described by the OP. His fiancee took out 6 figures of loans for grad school that is stacked on top of $25k of undergrad loans-- welcome to life in the USA. She maxed out her loans so that she could have some cash on hand-- shockingly, people of ...
by mariezzz
Sun Sep 16, 2018 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs Mega Backdoor Roth IRA
Replies: 5
Views: 720

Re: Roth IRA vs Mega Backdoor Roth IRA

<<I'll pay income taxes on the Mega Backdoor but do I avoid other payroll taxes like Medicare/Medicaid? >> A) It is an after-tax contribution. So, how could you avoid payroll taxes? B) It may not be advantageous for you to avoid the payroll tax anyhow unless you had crossed the second bend point. K...
by mariezzz
Sun Sep 16, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52891

Re: What is your luxury good?

(planning for )Early retirement.
by mariezzz
Fri Sep 14, 2018 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style. Bingo. Why count on investment growth above inflation to sleep at night during your retirement? Because working an extra decade to get enough money (and shorter retirement) in order to not coun...
by mariezzz
Fri Sep 14, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

For a 60/40 balanced fund it could be as low as 6% and even 4% in some circumstances. Am I misreading? Because if not, Id rather be in CDs and take a small hit on inflation then incur the risk for a few more percentage points. Here is jack in Jan 2011 https://money.cnn.com/2010/12/31/pf/investing/j...
by mariezzz
Fri Sep 14, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6746

Re: Lower Return Decade Says Jack: Thoughts?

As Taylor says, 'stay the course'. But did you carefully consider your risk tolerance to be sure you understand yours? It sounds like you may be somewhat risk averse - are you more so than your Asset Allocation suggests. Do you have an IPS? If yes, read it. Is there any legitimate reason outside of ...
by mariezzz
Thu Sep 13, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10298

Re: Massive Student Loan Debt - Fiancee

One more note: Only Direct Loans are forgiven under PLSF. Be sure you both understand all the details of her loans. Then come up with a plan to deal with them. She should make serious payments before the 2019 wedding, to demonstrate she will carry through on that plan. Read this page carefully if yo...
by mariezzz
Thu Sep 13, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10298

Re: Massive Student Loan Debt - Fiancee

Just for some prospective I did a quick google search and it looked like a speech therapist might make in the ballpark of $75,000 but that of course could vary a lot. To put that into perspective over the next 10 years she might have $750,000 in income. You would have $450,000 in income. Combined t...
by mariezzz
Thu Sep 13, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Adding to above:
On top of this, the amount billed was quite high for this test (compared to later bills I got elsewhere) - hospital fees tend to be on the high side overall.
by mariezzz
Thu Sep 13, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Some places offer price transparency. Everett Clinic in WA State publishes its cash prices online and onsite. See https://www.everettclinic.com/pricing/lab You could use that as a starting point for your price comparison. I would stay away from hospital labs In most areas, as they will charge [outr...
by mariezzz
Thu Sep 13, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

What if another Patient ("X") had the same test, ordered by the same physician, had the same insurance coverage (same company, etc.), and in *this* case, that same test WAS medically necessary due to some condition of X (that you didn't happen to have)? Why would there be a negotiated rate between ...
by mariezzz
Thu Sep 13, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

No direct experience - but that is my understanding as well. My direct experience is precisely what I described. My insurance company said the test was not medically necessary in my case. Since it was not medically necessary, there was no negotiated rate between Quest & the insurer. It's possible s...
by mariezzz
Thu Sep 13, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

delete - meant to edit earlier post
by mariezzz
Thu Sep 13, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Quest bills something around $200 for people without insurance, and if your insurance company doesn't consider a test medically necessary, you are effectively without insurance for that test. Is that really the case ? My impression was that if you go to an in network lab, even if your insurance com...
by mariezzz
Thu Sep 13, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Who knows what’s covered? I assume the insurance company knows. The doctor's office probably also knows Of course the insurance company knows. They sold the policy. The doctor has no earthly clue what is in your insurance policy. How would they know? They only know that they participate as a medica...
by mariezzz
Thu Sep 13, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

So is it pointless to ask for pricing? In my experience, as nearly as I can tell... yes. Do you just go ahead with the treatment/tests/procedure and hope they don't bill you an obscene amount that's not covered under insurance? Why, yes. That is what I do. Because I haven't figured out what else to...
by mariezzz
Thu Sep 13, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Quest bills something around $200 for people without insurance, and if your insurance company doesn't consider a test medically necessary, you are effectively without insurance for that test. Is that really the case ? My impression was that if you go to an in network lab, even if your insurance com...
by mariezzz
Thu Sep 13, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2558

Re: eBay Leaving Negative Feedback

Just this past week, I negotiated a best offer with a seller and then two days later, I receive an email from the seller stating that he spent two days looking for the item and could not find it. He refunded by money and told me I would be receiving a gift because he felt bad. If this gift arrives,...
by mariezzz
Thu Sep 13, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2558

Re: eBay Leaving Negative Feedback

I haven't shopped on ebay for a couple of years - you used to be able to leave neutral feedback. If yes, For the item not in the condition described: leave a factual note describing the problem, and say that you returned the item & got a refund. Doing that helps others, and it's the only way to help...
by mariezzz
Wed Sep 12, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

I might investigate why the lab tests are not covered by your insurance. Perhaps (don't know until you investigate) these tests are not the currently advised tests - and, perhaps, they should not be ordered by your Physician. The above is very true. Not sure what tests the OP wants to have done but...
by mariezzz
Wed Sep 12, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2042

Re: where to learn to sew?

forgeblast wrote:
Mon Sep 10, 2018 9:28 am
4H my daughter just took first place at our county fair for her first sewing project a skirt.
Well done!
by mariezzz
Wed Sep 12, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2387

Re: Free credit freezes and un-freezes after Sep 21, 2018

Will wait before freezing, to find out how 'unfreezing' goes for others.

Free is generally good though. I doubt unfreezing will be any worse under 'free' than 'fee'.
by mariezzz
Wed Sep 12, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5664

Re: Low pay and low stress jobs with health benefit

Thank you so much for the replies. My husband and I are in our early 50s and late 40s, so this job will be a long-term job, not just a short-term bridge job. Our net income from our rentals are at least 100K a year. So even without my husband and I working, our income will not qualify us for ACA su...
by mariezzz
Wed Sep 12, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

If you only go to in network labs, then they typically cannot bill you extra if the test is denied. I admit that sometimes it's hard to do when doctors send samples to out of network labs. Last time I went to an in-network lab, and almost all the tests were covered. There was, however, an expensive...
by mariezzz
Wed Sep 12, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Money Market vs CD vs Bond fund vs .... Cash
Replies: 11
Views: 2625

Re: Money Market vs CD vs Bond fund vs .... Cash

I think my game plan for the cash is.... Chase - will let it wind down a bit, but still keep about $50k Schwab - will move a large portion (from ongoing stock divs & stocks sold) over to my Vanguard bond accounts... Ally - coin toss - thinking about getting back to a CD ladder every qtr - 1yr @ 2.5...
by mariezzz
Wed Sep 12, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1718

Re: Working until the end of January for Roth contribution

Pay attention to triceratop's post above, but as a note, there is no age limit at which Roth IRA contributions can be made. https://www.irs.gov/retirement-plans/roth-iras The answer to your OP is easily available online, and I'd suggest spending time reading so that you understand the relevant facto...
by mariezzz
Wed Sep 12, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1424

Re: Delay in 401k Contribution Posting, cause for concern?

The employer should be grateful to you for raising the issue. If the delay isn't an error, then there are serious problems at that employer and you should start looking for a new job immediately. Squeaky wheels are often the only way positive change is made. I got an employer to add Vanguard options...
by mariezzz
Wed Sep 12, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5212

Re: Advice on how to deal with barking dogs

Address the animal cruelty that is happening by Calling the authorities - police and animal welfare. They should not divulge your name. The dogs’ problem and yours will both be solved Freedom of information acts mean that information may be divulged (this is true even for 911 calls, which we've all...
by mariezzz
Wed Sep 12, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5212

Re: Advice on how to deal with barking dogs

Try buying a high quality dog whistle (or I guess there are phone apps), and using it every time they bark. It may or may not work, but dog whistles aren't that expensive. There are devices you can buy that will generate a high pitched tone that are triggered by noise - but they may not work well if...
by mariezzz
Wed Sep 12, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10070

Re: Argument for taking social security before 70. Comments?

Seems the argument in OP only applies to couples then, and only cases where one spouse will get quite a bit more from the spousal benefit than own benefit. Be nice to add that to the thread title.
by mariezzz
Tue Sep 11, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 3999

Re: How often do you guys get alignment done on your cars?

Never had one done in 11 years of owning a Toyota Corolla. My brother (a mechanic) said when he turned the car over to me (7 year old car at the time) there was a slight pull to one side & could have an alignment done if I wanted, but not really necessary. Never had one done and never saw any proble...
by mariezzz
Mon Sep 10, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Breaking down BND (and all bond funds)
Replies: 14
Views: 1749

Re: Breaking down BND (and all bond funds)

I've given up on understanding bond funds. :happy I thought about adding this to the thread on misunderstood/misused terms - a one word reply: 'bonds'.

They may be less volatile than equities, but they're more complicated to understand, in my opinion.
by mariezzz
Mon Sep 10, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10242

Re: Anyone else not save for cars?

I don't, because I just do not have anything left after trying to max HSA, 401K, and saving what's left to increase EF to our goal. I honestly don't know how it seems that (almost) everyone here can afford to max out 401K, IRAs, HSA, have 2 years EF, taxable, separate savings for cars, vacation, pa...
by mariezzz
Mon Sep 10, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7315

Re: Anyone else playing catch-up in their 40's?

If you're maxing out all your accounts in your 40s, in 10 years you'll be in ok shape. In 20 years, you'll be in fabulous shape, at least for meeting your basic needs. If you were earning but not saving a lot in your 20s & 30s, you were probably spending quite a bit, but you've now rectified that ba...
by mariezzz
Mon Sep 10, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursing old HSA expenses from new custodian
Replies: 9
Views: 695

Re: Reimbursing old HSA expenses from new custodian

They're incorrect. I switched to SelectAccount (which is now called Further, a rather stupid name change) and was able to reimburse old expenses. You could email them and tell them to fix their software (I'd email rather than call to create a written trail of your correspondence). You can reimburse ...
by mariezzz
Sun Sep 09, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2042

Re: where to learn to sew?

As others have said, fabric stores will have an idea, but there are plenty of online videos. You could always join your daughter & both of you could learn from a video. One of many options: https://blog.colettehq.com/inspiration/the-art-and-science-of-skill-building Start with really simple projects...