Search found 221 matches

by MtnTraveler
Thu Feb 13, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Homeowners Insurance Increase
Replies: 20
Views: 2030

Re: Amica Homeowners Insurance Increase

I'm also in Colorado and have Allstate. While my renewal is in August my premium went down last year by $400. Amica will not write new policies in my area.
by MtnTraveler
Sat Jan 18, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43954

Re: Engineers - What are you making? ($$$)

Sometimes I read these threads and wonder what I did wrong in my career but as someone else said there are probably a lot of engineers reading this that aren't responding. I am a software engineer by education, systems engineer by title but I also have 'manager' appended to my title so my info isn't...
by MtnTraveler
Wed Dec 18, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Who is liable for slip on sidewalk?
Replies: 63
Views: 3440

Re: Who is liable for slip on sidewalk?

If I slipped on a sidewalk and hurt myself I would get up and move on. If my mother slipped, same thing. We both have eyes. We both know our abilities. We can see the ice and snow. We can see the cracks. Why is it that we should hold someone liable for our own fall? We have medical insurance. Any i...
by MtnTraveler
Sat Dec 14, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Potential employer asking for [PII] as condition for interview
Replies: 46
Views: 2867

Re: Potential employer asking for [PII] as condition for interview

Like another poster said, I believe you are missing the forest from the trees. 1. I have no idea what "profile" you are willing to share with an employer as there is one way to verify and that is JPAS. JPAS requires SSN. You ask for the SMO code and send a JPAS request that would prove you have a cl...
by MtnTraveler
Wed Nov 27, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 38122

Re: Follow Up: Husband's Surprise Debts

Given that you live in Denver and very likely in Douglas County (would completely explain the water bill) I'm going to go a little counter to the masses. While you definitely don't need a 3000 sq ft home with the kids grown, the probability you are able to find anything cheaper and smaller to buy is...
by MtnTraveler
Tue Nov 26, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 38122

Re: Follow Up: Husband's Surprise Debts

I didn't realize you are in Colorado. Since you are look into the senior citizen property tax exemption. Basically as long as you are over 65 and have lived in the house 10 yrs the first 100k of property taxes on the house is exempt.
by MtnTraveler
Thu Nov 14, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)
Replies: 33
Views: 3216

Re: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)

I'm wondering if I should take the advice of some articles I've found on this topic, and reach out to them myself to explain ahead of time. Definitely do not do this. In all the people I've hired one immediately called me after accepting the offer with HR and went into long detail (like 30 mins) on...
by MtnTraveler
Sun Nov 03, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 12660

Re: New Job, Depressed, Money issues

20 years is a really long time to be doing the same thing and then have to change course. I think because you've used a certain skill set for so long you were probably a mentor of sorts and you had some clout, etc. Now it's like you are starting back at Day 1 of your career but you feel that you sho...
by MtnTraveler
Sun Oct 20, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3914

Re: GPS to stop working on older phones Nov 3?

GrowthSeeker wrote:
Sun Oct 20, 2019 4:44 pm
What about automobile built-in GPS (e.g a 2011 Acura)? That GPS hardware in the car is certainly old enough; is it all GPS or just the GPS in phones?
Anything that uses GPS will be affected if it is unable to be updated to include the new equation(s).
by MtnTraveler
Sun Oct 20, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3914

Re: GPS to stop working on older phones Nov 3?

From my understanding your phone's GPS isn't going to work because the time tag in the message will be way off so your phone will not use the signal to determine where you are. No signal = no location. While I don't know for sure my guess is phones manufactured for the US probably only uses GPS. GPS...
by MtnTraveler
Sun Oct 13, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4299

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

NFL game pass works really well and its $99 plus taxes (as long as you can wait till the game is over to watch it with no commercials).
by MtnTraveler
Sun Oct 13, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 50
Views: 5855

Re: Should I invest in a ski in / ski out condo?

Is it truly, truly ski-in/ski-out as in you walk out back and there is a ski run? At one of our favorite resorts ski-in/ski-out is basically anything that is a short walk away. You've got to know what the resorts' long-term plan is as that might change the mix of those who ski/snowboard at the resor...
by MtnTraveler
Wed Oct 09, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10489

Re: Retirement - Living in Colorado

Math is his strong suite and will be in the mix as a minor if not major. He showed interest in the Bachelor of Innovation degree in Computer Security at UCCS. That is sounding good to us as well. He might be able to find something in Springs itself (internship and full time) with that concentration...
by MtnTraveler
Wed Sep 25, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable Accommodation Requests?
Replies: 47
Views: 3710

Re: Reasonable Accommodation Requests?

I have an employee with almost the exact same issues regarding lightening causing medical issues (her issues are different and pretty severe) and we've had no issue coming up with solutions. We took the fluorescent lights over her cube out and she wears a floppy hat which protects her eyes. This is ...
by MtnTraveler
Mon Sep 23, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10489

Re: Retirement - Living in Colorado

The 'Best Places Comfort Index' backs your assessment on weather in Cheyenne v 'front range' cities in CO though not by a huge amount. It rates Cheyenne 6.8/10 in climate comfort, Fort Collins 7.2, Colorado Springs 7.1. Stats also say you're right about average wind speed in eastern WY v eastern CO...
by MtnTraveler
Sat Sep 21, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10489

Re: Retirement - Living in Colorado

Just wanted to bump this up to see what people think now about CS and more importantly, what other areas of the state would you recommend? I love Colorado but don't care for Denver (too flat). Would prefer to be "out the back door" in the mounts so Estes Park? Steamboat Springs? Other areas? Not re...
by MtnTraveler
Fri Sep 20, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11726

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

Eh, I've been in MegaCorps for a couple of decades. I don't have a "network" nor do I "network" and I'm honestly not really even sure what it means. I get it conceptually, but it's just never been my reality. I've never had a LinkedIn profile or anything like that. When I need a job, I apply for li...
by MtnTraveler
Fri Sep 20, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Making Psychological Shift to High Deductibles, Funded HSA
Replies: 30
Views: 2209

Re: Making Psychological Shift to High Deductibles, Funded HSA

2. There's a relative disincentive to seek medical care at all unless absolutely necessary. I wouldn't hesitate to spend the co-pay for an office visit or a prescription; I've been inclined to be proactive. But, if I know I'm paying full fare until the deductible is met, I'll be reluctant to seek m...
by MtnTraveler
Fri Sep 20, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Fight with my insurance company for rear-end collision?
Replies: 24
Views: 1893

Re: Fight with my insurance company for rear-end collision?

Thanks! Yeah, that is my current feeling as well. It just felt unfair since he was a novice/provisional (vertical license) and distracted driver who stopped suddenly on green. Live and learn. I totally get the way you are feeling. I had something kind-of like that happen and I did ask the insurance...
by MtnTraveler
Thu Sep 19, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Mailing Laptop internationally rejected by US customs
Replies: 15
Views: 1858

Re: Mailing Laptop internationally rejected by US customs

My guess is they returned it because something led the person to believe there was export controlled software installed (or they didn't want to deal with the possibility). Realize that any software using certain encryption algorithms, certain versions of Java, etc cannot be taken outside the US. The...
by MtnTraveler
Sun Sep 15, 2019 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58155

Re: Selling home- Demanding Buyer (Repairs)

I think you either really need to come up with your no kidding lowest price you'll accept and drop the price to right above that or take the house off the market and put it back up in the spring. Your house is stigmatized because it wasn't off the market long enough to erase the history from that fi...
by MtnTraveler
Sun Sep 15, 2019 1:26 am
Forum: Personal Finance (Not Investing)
Topic: > 6 months medical leave
Replies: 23
Views: 2592

Re: > 6 months medical leave

To answer your question about if you're leave goes past 6 months (you cannot work at all) you will apply for the long term disability and your employment will be terminated. There is no grace period while the long term disability claim is reviewed. Usually if it is clear the employee cannot return t...
by MtnTraveler
Sun Sep 15, 2019 1:15 am
Forum: Personal Finance (Not Investing)
Topic: > 6 months medical leave
Replies: 23
Views: 2592

Re: > 6 months medical leave

At my company the FMLA starts day 1 of your medical leave and they run concurrently. In your situation FMLA is no longer applicable because you are no longer eligible for it (you haven't worked the required time in the 12 months before leave started). My company allows an employee to be on short ter...
by MtnTraveler
Fri Sep 13, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6903

Re: Whistleblowing / Going Rogue at Work

Reading that this is a megacorp and that you are somewhere on the leadership ladder (managing and hiring other people) I don't see how this is going to end well. Since nothing illegal is going on you couldn't go through the megacorps' ethics department so you chose to anonymously email this now-pres...
by MtnTraveler
Fri Sep 13, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6903

Re: Whistleblowing / Going Rogue at Work

How big is this company? I have a feeling that the president can/will find out who you are regardless of if you meet with them or not. The tone of the meeting is really going to depend on how you have presented the problems to him/her over the past year, what your corporate structure is like, along ...
by MtnTraveler
Wed Aug 28, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 14307

Re: out of network emergency visits. Huge bill!!!

If OP lives in a state that allows balance billing the medical providers can bill them over and above the insurance companies "out of pocket" if the provider is out of network. Out of network "out of pocket" can mean different things in different places. In many cases there is no limit to potential...
by MtnTraveler
Fri Aug 23, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 6087

Re: Manager is Interviewing Candidates (External) before Job is posted

I agree with everyone who is saying positively approach your manager about this. Just say you are interested and would like to be considered. Most of the time I interview before the posting goes live because I've gotten resumes through some channel and I know I will have open reqs at some point and ...
by MtnTraveler
Thu Aug 22, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - replacement cost
Replies: 24
Views: 1483

Re: Homeowner's insurance - replacement cost

its also for destruction by fire, no? Yes. So if my entire place burns down, everything will paid at what it is worth. Is that so bad? To be honest, this brings up another point. How do you come to an amount with the insurance company?? I mean, I have $156k personal property coverage. I would think...
by MtnTraveler
Mon Aug 19, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Chronic Conditions and Wellness Exams
Replies: 24
Views: 1873

Re: Question on Chronic Conditions and Wellness Exams

I'm not sure I understand your point about blood work. I paid out of pocket because there doesn't seem to any requirement to cover tests for chronic conditions under the ACA rules. If the rules are too rigid to allow a RX refill at a wellness visit, then why would they be flexible enough to cover n...
by MtnTraveler
Mon Aug 19, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Chronic Conditions and Wellness Exams
Replies: 24
Views: 1873

Re: Question on Chronic Conditions and Wellness Exams

So under ACA rules, a wellness exam does not cover medical history, or any discussion of pre-existing conditions? That's a strange definition of wellness. Let me ask a different question, then. Like I said, I am fine paying for one office visit a year for this condition if I have to. I already pay ...
by MtnTraveler
Mon Aug 19, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Check the restrictions on the out-of-pocket maximum on your health insurance policy
Replies: 20
Views: 1837

Re: If you have an HDHP, check the restrictions on the out-of-pocket maximum

So the company I work for has out-of-network deductibles and out-of-network out-of-pocket maximum for 2 of their 3 HDHPs offered. The 3rd plan will only cover out-of-network costs for emergency care. Who knew I was fortunate in this regard. Of my office at least 50% are with that third plan though. :(
by MtnTraveler
Mon Aug 19, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Question on Chronic Conditions and Wellness Exams
Replies: 24
Views: 1873

Re: Question on Chronic Conditions and Wellness Exams

Your "free" annual wellness visit has a very, very narrow scope and absolutely anything outside that scope will cause additional billing as an office visit (on top of the annual wellness check). So the fact they are saying there are extra charges isn't surprising. What level of office visit they are...
by MtnTraveler
Wed Aug 14, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Time - Benefits Question
Replies: 15
Views: 1138

Re: Vacation Time - Benefits Question

Something may have gotten lost in translation. Does she accrue her vacation throughout the year or do they grant it all on say Jan 1? If they grant it all at once I guess there could be something with the accounting that make it necessary to use say 2018 vacation by Sept 15, 2019 because the account...
by MtnTraveler
Mon Aug 12, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 41
Views: 3733

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

Would your kids be going to public schools (as opposed to homeschooling)? A friend has majority of her family in Durango and what I have learned through her is that housing is very expensive especially if you want the good schools (and you want the good schools). Someone mentioned Leadville earlier ...
by MtnTraveler
Sun Aug 11, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 7757

Re: How should my Spouse and I handle a $300,000 Settlement?

smithbt2 wrote:
Sun Aug 11, 2019 5:42 pm
The ER for S&P 500 Index Fund and a Bond Fund are 2-3%. Target Date Funds are as well. It's awful.
O.k. but still that would be 33% tax saver for you this year. Helping her succeed in retirement will benefit you in a divorce because that money she has won't be used against you.
by MtnTraveler
Sun Aug 11, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 7757

Re: How should my Spouse and I handle a $300,000 Settlement?

You don't have 300k. It sounds like this is going to be taxable so you are looking at 120k. With that in mind I'd recommend the following 1. Pay off her car. 2. Pay off your student loans. 3. Budget it so all her remaining salary for the year goes toward her 401k. Honestly the advice that the ER is ...
by MtnTraveler
Tue Aug 06, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58155

Re: Selling home- Demanding Buyer (Repairs)

Maybe it's different in different states but it's extremely common to have homes with 'first right of refusal'. Basically it means that someone else can come in and make an offer and the people with the first contract get the opportunity to match it. When we bought our current home in 02 we had only...
by MtnTraveler
Fri Aug 02, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9809

Re: Extreme Anxiety with Time/Money

So I totally get what you are saying about never really having downtime as it's been a frequent rant of mine. Kids do help as you realize some stuff just isn't worth the stress (water arc marks from sprinkler on the fence) and you will learn to prioritize what tasks have to get done (cut grass as do...
by MtnTraveler
Tue Jul 30, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58155

Re: Selling home- Demanding Buyer (Repairs)

I know you said you are in a hot market but with your house still not under contract either I'd guess that a)the market isn't that hot or b)house is overpriced or c)the yard is turning people off. I'd ask your realtor what the average is for days on the market for your price range and adjust accordi...
by MtnTraveler
Sun Jul 28, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: FMLA, short term disability and related questions
Replies: 14
Views: 1473

Re: FMLA, short term disability and related questions

What is her companies maternity policy? At my company short term disability is an automatic benefit so no need to purchase it but it does not cover normal delivery. For us the maternity policy covers 6 weeks post-birth paid leave. This runs concurrently with the FMLA leave. If a mom decides she want...
by MtnTraveler
Sat Jul 13, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Company not addressing my dad's health condition
Replies: 29
Views: 3206

Re: Company not addressing my dad's health condition

Since you said he works for a large company there are going to be policies on how an employee requests a medical accommodation so that he the process he needs to follow. Depending on how large the company is there is a very real possibility that he will not deal with HR. Basically in my company an e...
by MtnTraveler
Fri Jul 12, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: How to park in northern Europen countries?
Replies: 29
Views: 2553

Re: How to park in northern Europen countries?

We stayed at airbnb's when we had the rental car in the Netherlands so I can't help finding hotels with ample parking. What I can tell you is that at least in the Netherlands I had a LOT of problems because parking garages really don't take US credit cards. Seriously none of my 3 cards would work an...
by MtnTraveler
Fri Jul 05, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Rent and drive a car in northern Europe.
Replies: 16
Views: 1201

Re: Rent and drive a car in northern Europe.

My guess is no for Denmark, Norway, and Sweden but we rented a car from Sixt in Amsterdam in April and they have a listing on their website of what countries you are allowed to drive a rental car in based on what country you rent it from.
by MtnTraveler
Mon Jul 01, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 8098

Re: Healthcare Nightmare after wife's surgery

My guess is it was for a surgical assistant which are almost always out-of-network. I learned all about this when I encountered something similar. You don't get a choice if a surgical assistant is used during surgery and it seems a lot of doctors now put it in their paperwork that a surgical assista...
by MtnTraveler
Mon Jun 24, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Mobile Phone in Netherlands
Replies: 4
Views: 484

Re: Mobile Phone in Netherlands

We had a good experience with a Vodafone prepaid SIM using a Verizon/unlocked iPhone 7 back in April, purchased in a Vodafone store. Something like 20 Euro for 3 GB, 30 min phone, unlimited SMS. +1. That what we did in April as well. There was some promotion so we got 6GB for 20 Euros and its good ...
by MtnTraveler
Mon Jun 17, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank won't give Medallion Signature Guarantee for anything related to savings bonds
Replies: 17
Views: 2634

Re: Bank won't give Medallion Signature Guarantee for anything related to savings bonds

So I kind-of ran into that issue. Basically didn't realize that a MSG was needed and just assumed that it needed to be notarized. When my number was called the lady at the credit union told me right away that it needed a MSG and very few people at the credit union have it. Thankfully for me the pers...
by MtnTraveler
Mon Jun 17, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10697

Re: Article on high deductible health plans - and the math

We’ve been using our HDHP + HSA for about 10 years. We’ve never dipped into the HSA at all. We are a family of five with 3 boys. Two are teenagers. During that timeframe I think we’ve had 3 emergency room trips including a broken leg and 5 staples in a head wound. There have been routine doctor vis...
by MtnTraveler
Sun Jun 16, 2019 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10697

Re: Article on high deductible health plans - and the math

My company switched to HDHP last year after having people either on a normal HMO plan or a PPO. Now the HDHP is the only option but there are different levels. Our family has fairly high medical needs and what I've found is switching to the lowest deductible HDHP is basically a wash (maybe 100-200 m...
by MtnTraveler
Fri Jun 14, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58155

Re: Selling home- Demanding Buyer (Repairs)

Delete your typed up email and instead say "seller does not agree to terms and deal is nullified". You write this long drawn out thing and really what you are saying is "come on please be reasonable, I want this money because of x, y, z and my realtor said I won't be able to get another offer this h...
by MtnTraveler
Wed Jun 05, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 3535

Re: Buying Burial Plot in advance

I guess prices go up in time so if you bought now you might potentially save money but I wouldn't do it for that reason. I actually own two burial plots weirdly enough. We bought a plot next to my mom when she died because our daughter was in the NICU and well if the worst happened I wanted her next...