Search found 151 matches

by MtnTraveler
Tue Nov 13, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2128

Re: Global Entry Turnaround Time ?

I applied two weeks ago and am still waiting. I thought mine would go through super quick but I was wrong. Our airport's next available appt is March so I very well may not get approved before my trip. So it's looking like a wasted $100 for me which I am really not happy about but if I can grab a ca...
by MtnTraveler
Tue Nov 06, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7587

Re: Never thought of living in Bay Area but just got a call from Tesla

Definitely a tough decision in some regards. Given past questions you've asked I wonder if this position could lead to something on SpaceX? That would give you the clearance that has been a stumbling block up to this point and with SpaceX expanding into the DoD realm it would look really, really goo...
by MtnTraveler
Mon Oct 29, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4773

Re: Vehicle recommendations for long commutes in CO mountains

+1. That's essentially what I do. I have a more comfortable car that I drive most of the time and then this time of year I make my daughter bring back the 4Runner and make her take her Chevy Malibu. She lives on campus so I'm not worried about her driving in bad conditions and I don't really care t...
by MtnTraveler
Sun Oct 28, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4773

Re: Vehicle recommendations for long commutes in CO mountains

I'm liking the idea of having a nice weather car and the Jeep for winter more and more. +1. That's essentially what I do. I have a more comfortable car that I drive most of the time and then this time of year I make my daughter bring back the 4Runner and make her take her Chevy Malibu. She lives on...
by MtnTraveler
Tue Oct 23, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5417

Re: Car Dealer told us car was Certified, but it isnt

So I have a few comments on this. a) If the car was sold as certified it would be listed on the CarFax report (or at least they used to be). The certified 4Runner I bought years ago shows on the CarFax that it was a certified car. b) In the paperwork I got when buying the car was a certified checkli...
by MtnTraveler
Mon Sep 24, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5804

Re: Ripped off by a locksmith

Dispute the tip. You were willing to pay $150 but you are mad about the attitude and the fact that the locksmith had to be woken up and you had to wait in the meantime after YOU locked yourself out. A few years ago we had a similar thing happen while visiting my elderly parents and due to a broken d...
by MtnTraveler
Mon Sep 17, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3548

Re: a low grade in a 9th-grade test

I'm completely guessing that you found out about this through an online parent portal and not through your daughter. One D isn't the end of the world but at the same time if that class isn't a fit for your daughter than it isn't a fit. I guess try to find out from her what she thinks happened and go...
by MtnTraveler
Mon Sep 10, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3855

Re: Mold in house and insurance won't cover - options?

Years ago we had a mold situation due to improperly installed windows by the former owner. One of the exterior walls had to be reframed/rebuilt and as the process went on I just took pictures so when I sell the house I can show them to the buyer if need be. I did not have any sort of 'mold' speciali...
by MtnTraveler
Fri Sep 07, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2574

Re: Certified Pre-Owned Cars (CPO): Is this normal?

Years ago I was looking for a used 4Runner and I often saw some advertised as CPO. When I would inquire about the car I was told that CPO would cost an extra $500 or whatever the amount was as the 4Runner would meet all the qualifications for CPO but was not currently designated as CPO. I ended up b...
by MtnTraveler
Tue Aug 28, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12566

Re: Excessive Emergency Room Charges - Options?

fm3040 wrote:
Mon Aug 27, 2018 6:07 pm
Insurance - Cigna Open Insurance - HSA 2K in-network deductible and 6K out-of-network
Had you met your deductible? If not, your co-pay means nothing as it would only kick in if your deductible had been met 100% before going to the ER.
by MtnTraveler
Mon Aug 27, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?
Replies: 17
Views: 1401

Re: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?

What I'm trying to say is that there is a medical diagnosis and an educational diagnosis. They may be the same diagnosis. Your insurance company has nothing to do with an educational diagnosis or the school district. But it doesn't seem like you've contacted your local school district/early interve...
by MtnTraveler
Sun Aug 26, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?
Replies: 17
Views: 1401

Re: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?

I don't have a great understanding of ABA but from the bits I've heard it sounds pretty holistic (looks at the whole child). My daughter was born prematurely and has a neuromuscular condition so we spent a lot of hours in PT, OT, etc when she was growing up. I am VERY well versed in the ins and outs...
by MtnTraveler
Thu Aug 23, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Buying a used Subaru
Replies: 16
Views: 1949

Re: Buying a used Subaru

I don't know how much research you've done but Subaru's hold their value like you wouldn't believe so I'd recommend just buying new and getting the full warranty. A few years ago I wanted to get my daughter a used Subaru as her first car and while Subaru's are a hot commodity in Colorado I figured I...
by MtnTraveler
Thu Aug 23, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3145

Re: I love my job but DW hates location and I'm underpaid

I didn't realize you had asked about Huntsville a few months ago so now I understand better. I realize your wife is unhappy in FL but I would suggest a different approach. Go work for one of the defense giants in FL as they will likely submit you for a clearance even if the job you have with them do...
by MtnTraveler
Wed Aug 22, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3145

Re: I love my job but DW hates location and I'm underpaid

So some background. I live in FL and make around $95k in IT security. I like my job a lot and while there is some risk because of a project I'm working on is likely to be a failure. That said I feel that I have a good reputation with leadership and the general thought is if it fails it would becaus...
by MtnTraveler
Thu Aug 16, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 16
Views: 1229

Re: Barclay Card with American Airlines

I have it and my understanding is that it is a "real" chip and pin. I have not needed to use the PIN yet but funny enough I had a fairly tough time paying a vacation rental deposit in France. I had Barclay's on the phone and they kept having to try different things on their side to finally get the c...
by MtnTraveler
Mon Jul 09, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Ruby Anniversary(40) - Pikes Peak & Estes Park
Replies: 15
Views: 1206

Re: Ruby Anniversary(40) - Pikes Peak & Estes Park

I believe they no longer allow personal vehicles to go up Pikes Peak and instead you go up in a shuttle.
by MtnTraveler
Fri Jul 06, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5568

Re: Every Other Friday Off

So I was on a 9x80 schedule and absolutely hated it. The funny thing was the job I had before would work 4-9's and only work 4 hrs on Friday. That worked great as I would do all the grocery shopping, errands, etc and still be able to pick up my daughter from school and have a fun afternoon with her....
by MtnTraveler
Wed Jul 04, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Getting an IT security job in Huntsville without a clearance
Replies: 5
Views: 1029

Re: Getting an IT security job in Huntsville without a clearance

If you are looking for a job in the area of IT security there is very little likelihood of being able to get a job w/o a clearance. The clearance level needed for IT security currently has a backlog of ~3 yrs so no employer is going to keep someone on the payroll that long. Sometimes a job offer wil...
by MtnTraveler
Tue Jul 03, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance medical coverage
Replies: 11
Views: 871

Re: Car insurance medical coverage

This is required coverage in some states like Colorado. While it is required in my state the highest limit is still pretty low.
by MtnTraveler
Sun Jul 01, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 2087

Re: Should I cancel my Colorado trip due to wildfires??

I think others have given you good advice to go ahead with the trip but stay cognizant to area closures. You may have hours or days of the trip that are smoky but you also may very well not. It's all completely dependent on which direction the wind is coming from and it can change on a dime. Fires a...
by MtnTraveler
Fri Jun 01, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 12059

Re: Career planning in IT/software development when over 40

EXACTLY Not to brag but I'm usually either the most skilled/productive or one of them in the groups I have worked in. Can you rely on an ex co-worker who would be hesitant to bring into where they are working because you might outshine then? Case in point, several years back, we had a mass lay off....
by MtnTraveler
Fri May 25, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: I need advice on having 2 jobs.
Replies: 25
Views: 3099

Re: I need advice on having 2 jobs.

The 55k a year sounds beyond low for a cyber security position. With cyber security experience and certifications you should really be able to write your own ticket. I'd use the current job to study and get certs and then move on.
by MtnTraveler
Thu May 24, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: govt vs. private job offers: please help me decide!
Replies: 38
Views: 3735

Re: govt vs. private job offers: please help me decide!

My brother is a counselor who is married to a psychiatrist. My thoughts are just based on what I have heard over the years. * Any job in the private sector that is going to offer you a true salary (not just this is what you should be able to make) and gets you on the boards (or whatever it is called...
by MtnTraveler
Mon May 21, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 12059

Re: Career planning in IT/software development when over 40

What I've seen is that at 40 (or at least in my neck of the woods) companies expect a person to have specialized knowledge. Either it's software used in their industry, policies that govern their industry, or platforms (cloud-based) used. The first two you'll only have x years of experience if you a...
by MtnTraveler
Thu Apr 12, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 21
Views: 2905

Re: Contacting store after urgent care visit?

Thought I would follow up. We never heard anything else from the store and we hadn't seen a bill so I was starting to wonder if somehow they paid the bill directly (with HIPAA and such I didn't see how they could). The bill for the urgent care facility finally came in and was a whopping $30 ($32 bef...
by MtnTraveler
Thu Apr 12, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4552

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

I experienced this after an auto accident as well. Called my primary care and when the receptionist asked how the injury happened she said that they couldn't see me and to contact my auto insurance. A few days later I emailed my doctor about something (basically saying I was in an auto accident and ...
by MtnTraveler
Tue Mar 27, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 8016

Re: Grass is always greener, federal edition

So I could relate a lot to what you wrote and I've been having the conversation with myself a lot lately although the employer/pros/cons are different. At the end of the day you have to decide what are the things most important to you (work/life balance, job satisfaction, salary) and make your decis...
by MtnTraveler
Wed Mar 07, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 2110

Re: Best Colorado Skiing

So the answer definitely isn't clear cut as there are many variables. The most important being whether you will be skiing with the friends who live in Denver because if you are then you are most likely going to ski where their pass works. We've had different flavors of the Epic pass for years so tha...
by MtnTraveler
Thu Mar 01, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 39
Views: 4692

Re: Amica reocurring double digit increases in homeowners insurance

I want to report back on the steps we made with our HOI with Amica. Through an agent, we priced an equal set of bundled home, auto, umbrella policies with Erie and several carriers. We priced the same through Amica direct. We also priced the policies as stand-alone. We did not get the best overall ...
by MtnTraveler
Fri Jan 19, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 3631

Re: Help Me Spend $900.00 Unused FSA Dollars

This is never a problem for us but here's a list of possibilities I can think of: - Ongoing prenatal vitamins for your wife (if you are thinking of more kids) - Any nagging issues that a physical therapist could help with? Depending on the state you might be able to "self-refer" and pay cash. - Eith...
by MtnTraveler
Fri Jan 19, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 21
Views: 2905

Re: Contacting store after urgent care visit?

It doesn't sound like the splinters were bad enough to prevent her from skiing that day. I have a hard time imaging a splinter that would merit a trip to urgent care unless it got infected. Many health insurance plans have an 800 number that you can call and talk to a nurse with questions about wha...
by MtnTraveler
Fri Jan 19, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 21
Views: 2905

Re: Contacting store after urgent care visit?

Daughter is 17, will be 18 in a few weeks. After a long talk with daughter she went back to the store and explained what happened, showed them her discharge paperwork, and called me to have backup. They took all her information and are passing it on to the corporate office. They seemed rather shocke...
by MtnTraveler
Fri Jan 19, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 21
Views: 2905

Contacting store after urgent care visit?

Curious as to what other Bogleheads would do. College age daughter is on a weekend getaway with friends and got over a dozen splinters while sitting on a bench in the store to rent equipment. She could feel the splinters went through her leggings but figured that was it and didn't tell anyone at the...
by MtnTraveler
Fri Dec 22, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 25504

Re: Do you see a meaningful change in your income with new Tax Bill?

Looks like I will be one of the very few chiming in who will pay more. Not a huge amount more, ~2k, but I'm not thrilled at all.
by MtnTraveler
Mon Dec 18, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 9269

Re: New job offer - background check

As long as you are o.k. with the offer potentially being rescinded than it's fine. Honestly it's a double-edge sword because if you tell them they may rescind the offer and if you don't and it shows up on the background check they may rescind it. You may not get the chance to explain what happened a...
by MtnTraveler
Mon Dec 18, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 9269

Re: New job offer - background check

I know you don't know if it will show up or not but you know there is something that will potentially show up. I've had one employee who came to me and told me that something would be found. He explained the whole situation, sent me documentation (not asked for) on the case, and he works for me toda...
by MtnTraveler
Tue Oct 24, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: What can I do? was given wrong price on insurance and now told I can’t cancel.
Replies: 13
Views: 1547

Re: What can I do? was given wrong price on insurance and now told I can’t cancel.

So it seems like your insurance broker is not familiar with flood insurance (only covered through FEMA but some agents can sell it if they've taken the courses - many have not). FEMA adds a surcharge to flood insurance if the property is not your primary residence and you have to pay upfront for the...
by MtnTraveler
Tue Oct 17, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 2279

Re: Medicare change upcoming - preauthorization for imaging tests

I've needed PA for imaging in my employer health insurance plan for close to 20 yrs and never had an issue. If in the ER, no imaging has ever been delayed and there must be some sort of clause that covers those situations. We had semi-emergency situations where we go to the doctor's office or urgent...
by MtnTraveler
Mon Sep 25, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3936

Re: BH phone review: Moto G5 Plus

I bought one a few weeks ago and have been happy but I also have nothing to compare it to. If you don't have a motorola account you can get 10% (or maybe it was 5%) off by getting on their mailing list. Then buy the phone from them online.
by MtnTraveler
Thu Sep 14, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4626

Re: Retirement - Living in Colorado

Live in the Springs and while I'm not retired I love it here. I've lived on the east coast and at the end of the day this is where I'm meant to be. I live less than a block from hiking trails and can make it to Breckenridge to ski in 2 hrs. The Springs is in a huge growth spurt at the moment which c...
by MtnTraveler
Mon Aug 28, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation Advice.
Replies: 3
Views: 1031

Re: Salary Negotiation Advice.

I work with government folks who are part of the hiring process but my knowledge is related to a specific agency. Another agency might be completely different but I don't think with government jobs there is a huge amount of salary negotiations. I've heard that people have been able to negotiate the ...
by MtnTraveler
Wed Jul 26, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 19509

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Search the forum as another user had a very similar problem which I responded to. Long story short, I bought a 2015 Accord EX-L and had horrible neck pain after driving 30 minutes. Like you I was thinking I made a horrible mistake, etc. I went to a PT and she helped me position the correctly which o...
by MtnTraveler
Mon Jul 10, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 2250

Re: Need to get dental implant done..

How long ago was the implant done? The reason I ask is that two times in the last 3 yrs my old dentist "thought" my implant was going bad so I went back to the oral surgeon each time. Oral surgeon said it was rock solid but that if it did go bad the procedure they use today is different than they di...
by MtnTraveler
Thu Jun 22, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 35
Views: 4925

Re: What insurance company has the best coverage for auto, renters, and umbrella?

Interesting to see so many people recommending State Farm. A devastating wildfire came through a few years ago and I know very few people who didn't have issues with State Farm. There stories really sounded awful and their claims were totally legit. On the other hand I know a few people who made cla...
by MtnTraveler
Tue Jun 13, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 10287

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

The salary question was a little weird but I've definitely seen smaller companies ask for a salary history when you start the process online. Minus that issue and what was written on glassdoor (people who are happy and satisfied at their company are much less likely to write a review or even go look...
by MtnTraveler
Wed May 31, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 7995

Re: Job offer without an in person interview

No I don't find this odd at all. In my company (Fortune 500 level) the only people who would be flown in for an interview would be at the C-level. There is just no budget anymore to fly a candidate in. Once a candidate accepts an offer the company pays for one house hunting trip but that is it. I se...
by MtnTraveler
Mon Apr 03, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 6642

Re: Age 40 - Financial Analysis Wanted

I am 40 also and your numbers look really good for the most part. As others have brought up your life insurance is quite low and while you have coverage through work that is only good if you keep working there. Also with as much cash as you have I don't see why you have the car loan. You have the mo...
by MtnTraveler
Fri Mar 31, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Keep two cars for one person to drive
Replies: 34
Views: 4782

Re: Keep two cars for one person to drive

If you can afford the expenses of having two cars and you have a need for both, keep the second car. I've got two cars. The daily driver is a Honda Accord and the 2nd car is a Toyota 4Runner. I work in an area that is frequently hit with blizzards so the 4Runner has winter snow tires on it, etc to g...
by MtnTraveler
Fri Mar 31, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Radon mitigation credit at closing
Replies: 16
Views: 2492

Re: Radon mitigation credit at closing

I would take the credit and have the work done after closing. When we bought our house the radon reading during the home inspection came in at 170. We asked the seller's to put in a radon system or give us a credit and they refused. We really liked the house so we went ahead with the purchase and pu...