Search found 21 matches

by ems2013
Tue Nov 19, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 54
Views: 5803

Re: Disney plus streaming deal

Is the $3.92/month deal still available?
by ems2013
Tue Nov 12, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 2020 FEHB HDHP - how to calculate vs. traditional plan?
Replies: 5
Views: 444

Re: 2020 FEHB HDHP - how to calculate vs. traditional plan?

Thank you for your responses, I very much appreciate it. I understand what you're saying about GEHA and Aetna's greediness re: increasing premiums/deductibles/coinsurance. I've not faced a balance billing issue before, but have recently faced a couple of emergencies (car accident requiring vehicle r...
by ems2013
Thu Nov 07, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 FEHB HDHP - how to calculate vs. traditional plan?
Replies: 5
Views: 444

2020 FEHB HDHP - how to calculate vs. traditional plan?

My spouse is a federal employee eligible for non-postal rates. We have discussed the HDHP with HSA option for a few years, but have remained with my company, which generously covers the entire premium, though there is a $1,000 deductible as well as small copays. We have used FSA through FSAFeds. We ...
by ems2013
Wed Oct 09, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3740

Re: 2010 Prius totaled.... Now what?

I was hit in my car in early Sept and would strongly suggest that you see a healthcare provider right away. I felt ok the day of the accident, but a few days later was in agony. It's easier to get any medical issues covered if you see your provider right away. Good luck!
by ems2013
Tue Aug 20, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 2874

Re: Front load washer mold

I have a Whirlpool front loader and it had the same smell. I ordered the replacement gasket online (about $100) and DH and I replaced it. We used a YouTube video of same make/model to guide us and it was relatively simple. We now keep the door open after every load and run a cycle with Affresh clean...
by ems2013
Mon Dec 17, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2810

Re: Nice gifts for young kids

My mom gives our kids single dollar bills per year of age (age 4= $4, etc) inside a card along with a book with a special note written inside, a coloring book and a check for college fund. The kids love it and we do, too!

I also agree about Magna Tiles. Our kids play with them almost every day.
by ems2013
Mon Sep 24, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5369

Re: How to pay for upcoming medical / IVF expenses

I agree that there's considerable geographic variation in price. I was extraordinarily lucky in that my insurance covered almost all of my 3 rounds (though unlucky in that it didn't work for us). Get to know your insurance policy because some things could be covered depending on how it's coded. Ther...
by ems2013
Wed Sep 19, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Fixing diamond ring
Replies: 19
Views: 1614

Re: Fixing diamond ring

Wait and watch while it is repaired. My grandmother, who was blind, brought a diamond ring to a jeweler where she was a regular customer and they replaced her diamond with one much smaller. She noticed the size difference right away, but was a conflict-avoider and did not say anything. My mother now...
by ems2013
Tue Sep 11, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 3091

Re: Toilet Makes A Flushing Sound Occasionally

It is most likely the flapper. Put in a new one. Takes a minute and costs a couple of dollars. +1 Take out the old flapper and bring it to HD for an exact match. Then put the new one in. Problem should be solved. Good luck. +1 Make sure you get the exact match. Takes just a minute to replace.
by ems2013
Tue Sep 11, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2351

Re: where to learn to sew?

I took a class at my local JoAnn Fabrics that helped with the basics, which was enough to get me started using the machine that I received as a gift. JoAnn periodically offers discounts on their classes and they send coupons by email. I've used YouTube since then for specific lessons, like sewing bu...
by ems2013
Wed Aug 09, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 4138

Re: Obtaining Bachelors in Accounting @ 30

My Father-in-law had an accounting degree and the best part of his career, he says, was working for the Justice Dept on financial fraud cases. He retired at 55 with 30 years as a federal employee and, at 78, continues to thoroughly enjoy retirement.
by ems2013
Wed Jul 19, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 5394

Re: Indoor activities for a 3-year-old

We are foster parents to a 3 year old girl and 2 year old boy (siblings). We are committed to getting the kids outside as much as possible in all sorts of weather. They are like puppies in many ways; the more exercise they get, the happier they are (and they nap like champs!). We were outside in the...
by ems2013
Wed May 17, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: what is the catch with this 5% APY checking acct?
Replies: 6
Views: 2148

Re: what is the catch with this 5% APY checking acct?

I opened up an Ultimate Account last fall with $5k and recently added money to get the 5% on $10k. There's no catch, but the banking interface and mobile app leave a lot to be desired. My main checking account is with USAA (which has great online banking & app) and I use the Northpointe account as a...
by ems2013
Wed Mar 15, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 71
Views: 8522

Re: Time Saving Tactics: Kids Edition

We are foster parents to siblings ages 3 and 1. They joined us last fall just three hours after the phone call came from their social worker and we are rolling with it! My husband and I both work fulltime and the kids go to daycare during the day. Organization and planning ahead are the keys to maki...
by ems2013
Wed Mar 08, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 6215

Re: Wedding cash gift

Congratulations! Enjoy being engaged and beginning to plan a life with your beloved! :sharebeer I got married in 2005. We had around 100 guests and spent about $10,000. Many, many people still tell us it was the most fun they've ever had at a wedding. We both had a blast and are very happily married...
by ems2013
Wed Nov 02, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Texas [road trip]
Replies: 63
Views: 7898

Re: Texas [road trip]

South Padre Island is difficult to get to, but the beaches are beautiful. Beware, the place is dominated by college spring breakers throughout March. You can drive up about 30 miles on the northern, non-populated section of beach and camp wherever you please. (You'd want 4WD for this.) Also, sea tur...
by ems2013
Thu May 12, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 2358

Re: Quality; shower hardware where to find it?

I would second what chartcab3785 wrote about checking with Ferguson. They sell plumbing supplies that are metal, inside and out. The innards are plastic at the box big stores. We recently paid 50% off a kitchen faucet that Ferguson had on sale.
by ems2013
Wed May 11, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 5755

Re: One Week "Sabbatical"

I'm in NH also. You might consider the TX Gulf Coast around South Padre Island for your week. It will be wicked hot but the beaches are beautiful and the water temps will be lovely. Federal snapper season is open June - mid-July. When we went, the snapper fishing was fantastic and my husband also ca...
by ems2013
Thu Dec 12, 2013 3:47 pm
Forum: Personal Investments
Topic: Search for passive income- through real estate?
Replies: 27
Views: 4043

Re: Search for passive income- through real estate?

That said, I am looking for another opportunity or two and have a much better idea of what I want in additional properties, though I'm not planning to live on rental income entirely, ever. Even if it made you net 120-140k per year, ems? At this point I'm not planning to have rentals at that level o...
by ems2013
Thu Dec 12, 2013 12:42 pm
Forum: Personal Investments
Topic: Help 37 y/o with only $4k in Retirement
Replies: 17
Views: 2939

Re: Help 37 y/o with only $4k in Retirement

If it were me, I would: 1. Invest the money in the 403b in the FUSEX Fidelity fund and not add more at this point. 2. Open a Vanguard Roth IRA for self & spouse. You can do this online or by calling Vanguard. They make it very simple. 3. In the two Roth IRAs, invest in a Target fund. Again, you can ...
by ems2013
Thu Dec 12, 2013 12:12 pm
Forum: Personal Investments
Topic: Search for passive income- through real estate?
Replies: 27
Views: 4043

Re: Search for passive income- through real estate?

I bought a 3-unit building at 27 and it has worked out well for me. I have always had great tenants, but I've also put in a lot of work--more than I ever thought it would involve. That said, I am looking for another opportunity or two and have a much better idea of what I want in additional properti...