Search found 59 matches

by imyeti2
Sat Sep 15, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Smart thermostat issue - do I redo the wiring or add a transformer?
Replies: 14
Views: 1140

Re: Smart thermostat issue - do I redo the wiring or add a transformer?

Thank you for the responses and for sharing your stories. We have 5 heat zones and 1 cool zone. One of the heat zone is a combination with the AC. Three zones are controlled on the 1st floor, the other two on 2nd floor along with the AC. During winter, before going to bed, I've to manually check all...
by imyeti2
Fri Sep 14, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Smart thermostat issue - do I redo the wiring or add a transformer?
Replies: 14
Views: 1140

Smart thermostat issue - do I redo the wiring or add a transformer?

Hello, We have an old honeywell round thermostat for heating only. It has the standard 2 wire thermostat wire. From all I've seen, for us to upgrade to a smart thermostat, I need the dreaded C wire. I asked several electricians about options. I have always thought that I need to change to new wiring...
by imyeti2
Tue Sep 04, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Nest vs Arlo (or other) security camera & system
Replies: 16
Views: 1208

Nest vs Arlo (or other) security camera & system

Hello, I've been contemplating adding a few security cameras around our house. House being on a corner lot, lot of traffic (both car and people) near our house. Was wondering whether to go with Nest or something else. Thinking about the Nest thermostat and the smoke/CO alarms etc. Is there any merit...
by imyeti2
Tue Aug 28, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2300

Re: Installing a new toilet - shut off valve and wax ring

Thanks for all the responses. I was just getting second opinion. I'd rather the plumber install the best parts rather than what is easily available.
by imyeti2
Tue Aug 28, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2300

Installing a new toilet - shut off valve and wax ring

Hello, We're in the process of replacing our older toilets and would like to get some guidance. (1) Since we're changing everything, is it worthwhile to change the shut off valve also. They are the old rotating types. Was interested in getting the new quarter turn valves. Nothing wrong with the olde...
by imyeti2
Thu Jul 12, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 2063

Re: Deciding how much to spend on home remodeling

I'd visit other homes in the neighborhood during opens houses and get a feel for price and condition of homes in your area. Meet with a real estate agent to find out what your home will sell for after doing all the changes you plan on doing. I always look for what the market is willing to bear in my...
by imyeti2
Wed Jun 13, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17655

Re: Should I take possession of a certified mail?

Thank you for all the great responses.

Yet to pick up the letter. Will do that in the next couple of days when I get some time to visit the post office. Will report back. Thank you.

Yeti.
by imyeti2
Tue Jun 12, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17655

Re: Should I take possession of a certified mail?

We have a lot of projects and indicated to him that we'll enlist his services from time to time as we manage our personal cash flow. He texted me a couple of weeks ago to see whether there was any more work, and kept asking us whether the work was large enough ($2K-5K). I could not commit until I s...
by imyeti2
Tue Jun 12, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17655

Should I take possession of a certified mail?

Hello, We are in a situation for which we need advise/opinions. We had obtained services of a handyman for some work around the house last month. We have a lot of projects and indicated to him that we'll enlist his services from time to time as we manage our personal cash flow. A few initial project...
by imyeti2
Sun Mar 25, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 1075

Re: Next season's ski pass - buy now or wait? (Ski Resorts in New England)

My kids are 10 and 7.

We started with Wachusett just to try out and started with daily lift ticket and rentals etc. However, it soon got very expensive. Both of them are still learning - hence the need for a regular seasonal lessons etc. and maybe stick to one mountain until they get better.
by imyeti2
Sun Mar 25, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 1075

Next season's ski pass - buy now or wait? (Ski Resorts in New England)

Hello, My two young kids started to learn skiing this past winter. Because of the several noreasters we've had here in the Boston area, they have been able to enjoy skiing well into late March now. They would like to continue to do so next winter and would like to join regular skill development clas...
by imyeti2
Wed Mar 07, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5455

Re: Colorado Summer Vacation - what to see and where to stay

Thanks for all the great responses. We've decided to stay a few days in Estes Park and mostly in Keystone/Breck area. Cover RMNP with Estes Park as the base; Summit County, Glenwood Springs and Colorado Springs area keeping the Keystone/Breck area as the base. Maybe spend some time in Denver either ...
by imyeti2
Tue Mar 06, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5455

Re: Colorado Summer Vacation - what to see and where to stay

Thank you for all the great suggestions. Yes, when I mapped out the different locations, we could end up driving a lot. As someone suggested, there is a lot one can do in Colorado - perhaps we can always come back and visit a different area of the state. I'm thinking we'll stay only at a couple of p...
by imyeti2
Mon Mar 05, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5455

Re: Colorado Summer Vacation - what to see and where to stay

We plan on renting a car. So quite mobile.
by imyeti2
Mon Mar 05, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5455

Re: Colorado Summer Vacation - what to see and where to stay

Updated original post to end of June.
by imyeti2
Mon Mar 05, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5455

Colorado Summer Vacation - what to see and where to stay

Hello, We're planning a trip (7-10 days) to Colorado at the end of June. Kids 11,7. Would like to get thoughts on what we can do as a family and where would be the best place to stay? DW and I have been there about 15 years ago and we stayed in Boulder. Not sure whether Boulder is a good option with...
by imyeti2
Sun Mar 04, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3708

Re: Rome-Florence-Venice-Prague summer vacation

Just came back from Prague.

Astronomical clock is under repair and will open in October.

3.5 days in Prague is too much in my opinion. I'd spend more time in Florence than Prague. Just me ...
by imyeti2
Fri Feb 16, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 35
Views: 3159

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

All great suggestions. I'd pick either Bar Harbor or Martha's Vineyard. Not both. It'll become tiring very soon. Ocean water in Maine is very cold even in July. Martha's vineyard can be done in a day if you rent a car on the island. Bar Harbor a definite couple of days. If you're into science, the S...
by imyeti2
Fri Feb 16, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Summer Camps in Maine
Replies: 6
Views: 758

Summer Camps in Maine

Hello Friends, Thanks to some TV shows, my kids are asking about overnight summer camps in Maine. On paper, many of these camps promise a lot of good things that the kids can take away from camping. However, almost all camps have a hefty price tag - more than $1,000 per week. Was wondering whether a...
by imyeti2
Thu Feb 08, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1639

Re: Water Leak from shower stall - how to detect

Thank you very much for all the responses. Will definitely check into some of these. The two bathrooms are right above the family room. If we have people over and someone flushes in one of the bathrooms, we can hear the drain on the 1st floor. So any water issue in those bathrooms would become promi...
by imyeti2
Wed Feb 07, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1639

Water Leak from shower stall - how to detect

Hello Friends, We have a master bathroom with a shower stall directly over our family room. The bathroom / stall is tiled. We see spots on the ceiling in the room below but when we touch the ceiling, it is not wet. My suspicion is there is a slow leak that is causing the problem. What is the best wa...
by imyeti2
Sun Feb 04, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Question / Lay off Question
Replies: 5
Views: 827

Re: 401k Question / Lay off Question

If you max out 401k at $18.5 K before you leave, you may not be able to contribute with the new employer and hence lose the match. I'd estimate how long it'll take you to find the new job and increase contribution accordingly. I did not understand the employer match. You just need to make sure it is...
by imyeti2
Sun Feb 04, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Collections of debts of minors
Replies: 21
Views: 2143

Re: Collections of debts of minors

When she provided the initial information on the other party, did the other party know they were dealing with a minor.
by imyeti2
Thu Feb 01, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA - exact steps confusion... sorry!
Replies: 4
Views: 509

Re: Backdoor Roth IRA - exact steps confusion... sorry!

If your wife has money sitting in tIRA, move it to her 401k first before doing a backdoor Roth for her.
by imyeti2
Wed Jan 31, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 4029

Re: Disney visit

Check out https://www.mousesavers.com/. It depends on how crowded the parks are during June. We're there in Dec and stayed outside. It was a nightmare waiting in line for parking and actually getting inside the park. You may also try rentals from Disney Vacation club owners https://www.dvcrequest.co...
by imyeti2
Wed Jan 31, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do I open a nondeductible IRA
Replies: 24
Views: 1417

Re: How do I open a nondeductible IRA

Wait, have I made a big mistake? I’ve been contributing to nondeductible IRAs for the past ~6 years for my wife and myself. What is the big deal with this form 8606 you mention? Should I roll over to a Roth and just eat the capital gains taxes? My wife and I are both high earners in our 30s if it m...
by imyeti2
Wed Jan 31, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: How to get rid of an IRA from old 401k plan to allow a back door Roth
Replies: 12
Views: 1331

Re: How to get rid of an IRA from old 401k plan to allow a back door Roth

If you earn only $1k/yr, where are the high income limits coming from? wife's salary?
by imyeti2
Sat Jan 27, 2018 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can I still contribute to my employer 2017 401k?
Replies: 6
Views: 483

Re: Can I still contribute to my employer 2017 401k?

As others have suggested, if you want to save on 2017 taxes, open a Traditional IRA and fund to the max - assuming your income is within the required limits. Also, beware when maxing out your 2018 401k. If you do it too soon, your employer may not let you contribute anymore and you may lose the empl...
by imyeti2
Sat Jan 27, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with hsa
Replies: 4
Views: 672

Re: what to do with hsa

Have you done the math? I always thought I had a better insurance until I actually did calculations on a spreadsheet. Turns out high deductible plan with HSA works out better than my PPO with higher premium. Shifted to DW's plan.
by imyeti2
Thu Jan 25, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidation of HSA accounts
Replies: 1
Views: 324

Consolidation of HSA accounts

Hello Friends, We currently have three HSA accounts that were opened within a very short time because of DW's change of job's and employer policies. We have been in an employer-sponsored High Deductible Health Plan. We had an account with Optum when DW changed her job last year. The new employer had...
by imyeti2
Wed Jan 17, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2449

Re: London/Paris Trip Questions

We're in Paris last summer for 10 days (2 adults + 2 kids - 10, 7). We have decided not to go back to Europe until our younger one turns 10. Six months later, he barely remembers the places we visited and their importance. Also, 10 days covering both London & Paris can be a bit hectic with a 6 year ...
by imyeti2
Tue Jan 16, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Public and Private Schools in MA - your experience
Replies: 13
Views: 1732

Re: Public and Private Schools in MA - your experience

TonyUncleJohnny, It really depends very much on where you/your spouse works. Commuting in the greater Boston area is horrible. My wife and I used to live in Concord before our kids were born and before we moved to NY/NJ area. We always wanted to come back to Boston to raise our kids. This was 10 yea...
by imyeti2
Tue Aug 01, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2519

Re: Estimate for painting home interior

I'd love to do it myself. DW is not handy at all. Plus with young kids, the project could prolong forever. Would rather put the money in an index fund ... :)
by imyeti2
Mon Jul 31, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2519

Re: Estimate for painting home interior

Thanks Cigarman for providing your estimate. We're getting an estimate of 10-12K for a 3000 sq. ft. house in the Boston area. Seems reasonable.
by imyeti2
Sun Jul 30, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2519

Re: Estimate for painting home interior

Thanks for all the responses. All the trim work etc. has been seen and included in the estimate. The house is relatively new but the previous owners had painted the place monotonously in an off-white shade and trim work in gray. So we can move in the house and start living - nothing is obnoxious. Fu...
by imyeti2
Sun Jul 30, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2519

Estimate for painting home interior

Hello, So we're moving into a new home and DW wanted to have the house painted before moving in. Had a couple of painters come over to give us estimates. One guy never got back to us - even after we tried to contact him several times. I guess he is not interested in the job. If he is not interested,...
by imyeti2
Wed May 03, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 4784

Visiting Paris for 8 days - what to do?

Hello, We'll be visiting Paris at the end of June for ~8 days. 2 adults & 2 kids (6,10). First time with the whole family. (1) Any suggestions on places visiting and things we should do? Other than Effiel Tower, Louvre, Museum de Orsay, Versailles .... (2) Is it worth going outside of Paris (say sou...
by imyeti2
Wed Apr 19, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with a 401k at present?
Replies: 25
Views: 2651

Re: Should I bother with a 401k at present?

Fast forward 10 years and imagine having not contributed. Your financial situation may get better in those 10 years, but you will never be able to go back & fund/match that 401k. You will be sitting on a boatload of retirement savings after those 10 years !
by imyeti2
Wed Apr 19, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Chicago NW suburbs to NJ/NY area
Replies: 31
Views: 3402

Re: Moving from Chicago NW suburbs to NJ/NY area

Everything you have listed comes at a higher cost in NJ/NY than Chicago. $500 K will get you a starter home in a good school district or a condo/townhouse. Property taxes in NJ are the highest in the nation. Same with insurance rates. Adlai Stevenson in NW Chicago is one of the best high schools in ...
by imyeti2
Tue Mar 28, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Buying a home in a seller's market - how to decide how much to pay
Replies: 8
Views: 1189

Buying a home in a seller's market - how to decide how much to pay

Hello, We are in a very HCOL in the Northeast and any home that is affordable (< $1 M) gets multiple offers within the first week. Naturally, these homes go above asking and much above the town's assessed value. I always try to stay within 110-115% of the assessed value assuming that the town's asse...
by imyeti2
Wed Jan 18, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Crack in basement wall of house
Replies: 10
Views: 1659

Re: Crack in basement wall of house

my feeling is that the crack was created because of the deck that is ~3 ft above the ground. The deck is attached to the side of the house on hangers. The footers are only on the outside with a span of ~12 ft. With nothing else to support the joists underneath the deck, was the deck causing stress o...
by imyeti2
Wed Jan 18, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Crack in basement wall of house
Replies: 10
Views: 1659

Crack in basement wall of house

Hello, We're looking at making an offer on a house. However, I found a 4-5 ft long crack (at least 2 in wide) in the basement foundation wall starting from the window and running diagonally toward the bottom. It is filled with some kind of cement plaster. I tried to look on the outside but there is ...
by imyeti2
Mon Dec 26, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Fenway Park
Replies: 22
Views: 2657

Re: Fenway Park

Check out Hotel Indigo in Newton.

http://www.newtonboutiquehotel.com/

It is right next to Riverside MBTA station from where you can take the Green Line D to either Fenway or Kenmore stations. Fenway park is a short walk from those stations.
by imyeti2
Tue Nov 22, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Yet another!! HDHP vs PPO qustion.
Replies: 25
Views: 3322

Re: Yet another!! HDHP vs PPO qustion.

Please see my response in this post.

We also have Cigna and they have a tool that provides me with an approximate cost of a procedure. I've had many health issues and still think the HDHP plan is better for us.

viewtopic.php?f=2&t=202807
by imyeti2
Sun Nov 13, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much is business worth?
Replies: 49
Views: 6330

Re: How much is business worth?

I'd look at a sales multiple rather than income. Can you find out what other similar businesses cost to buy? Plus some added benefit of a franchise.
by imyeti2
Fri Nov 11, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Completely new to HDHP plans -- worth it with 1 - 2 kids?
Replies: 33
Views: 4223

Re: Completely new to HDHP plans -- worth it with 1 - 2 kids?

(6) Because of HDHP, I am always mindful of our medical expenses. I check beforehand on expected cost for a elective procedure and make decision accordingly. Its a bit of a pain, but it helps me make the right decision. It has also made us live a healthier lifestyle. And all of your providers are a...
by imyeti2
Tue Nov 08, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Completely new to HDHP plans -- worth it with 1 - 2 kids?
Replies: 33
Views: 4223

Re: Completely new to HDHP plans -- worth it with 1 - 2 kids?

Hi, We're in the same boat up until the middle of this year when my spouse changed jobs and the new employer offered HDHP. I'm with a megacorp with very good health plans. We had been on my PPO plan for many years before switching to the HDHP this year. Below is a link for a spreadsheet that I used ...
by imyeti2
Thu Sep 29, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Expensive dry cleaning in Boston area
Replies: 5
Views: 906

Expensive dry cleaning in Boston area

Just moved to the greater Boston area and called several dry cleaners Laundered shirt - $2.5 :shock: Dry clean trousers - $8 :shock: :shock: What do Bogleheads do for a laundered shirt with some starch? For decent wool pants or khakis, I'd probably buy another pair for the price of 5-6 dry cleanings...
by imyeti2
Wed Sep 28, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Is a garbage disposal unit a good idea for a rental property?
Replies: 34
Views: 3802

Re: Is a garbage disposal unit a good idea for a rental property?

We had one in our rental unit.

I'd specifically call out in the lease agreement that if it breaks, landlord will not repair.
by imyeti2
Fri Aug 05, 2016 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Out of Network Health Insurance Appeal
Replies: 35
Views: 2725

Re: Out of Network Health Insurance Appeal

I'm sorry for your situation. You seem to be very mad and rightfully so.
However, I'd keep calm, be respectful and to the point when dealing with all parties. Be nice and smile to get the hospital to lower the expense. Good luck !