Search found 430 matches

by GreenGrowTheDollars
Wed Apr 17, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 53
Views: 7033

Re: Jury duty - already booked vacation

Relax. The police aren't going to come get you if you miss your first jury summons. You'll get second summons a few weeks after missing your first. No big deal. Sheesh!! I dunno. You might not be safe even at the grocery store: "Madeline Byrne was making a quick trip to the grocery store to buy som...
by GreenGrowTheDollars
Wed Apr 17, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Priority Express 1-Day might in effect by a 2-Day service?
Replies: 10
Views: 737

Re: Priority Express 1-Day might in effect by a 2-Day service?

USPS "overnight" service depends on the origin and destination zip codes. Some pairs are defined as two-day service even though you're charged the overnight price. FWIW -- out of maybe a dozen Express Mail envelopes I sent when my folks lived on a North Carolina barrier island, maybe three or four a...
by GreenGrowTheDollars
Mon Apr 15, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 115
Views: 8343

Re: Trust investment choices for a difficult beneficiary

While sympathetic to the OP's plight because a family member is involved, I don't believe a trustee must be permanently chained to the job in a no-win situation. Seems clear that there is no optimum solution. The trustee cannot guarantee the beneficiary might make bad choices no matter what and tha...
by GreenGrowTheDollars
Tue Apr 09, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 9068

Re: Financial solicitation by my doctor

The person who deposits the checks doesn't know my financial situation, and I really don't think they are petty enough to really even care. In January the New York Times wrote , "Many hospitals conduct nightly wealth screenings — using software that culls public data such as property records, contr...
by GreenGrowTheDollars
Mon Apr 08, 2019 8:46 am
Forum: Personal Investments
Topic: What to do with inherited Preferred Stock @ WF
Replies: 5
Views: 571

Re: What to do with inherited Preferred Stock @ WF

I would transfer and then sell. Charges at WF for transactions and account management can add up. Bigly.
by GreenGrowTheDollars
Sun Apr 07, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: CO Tax: Figuring addback for Fido Gov MM SPAXX divs
Replies: 3
Views: 354

CO Tax: Figuring addback for Fido Gov MM SPAXX divs

Using Turbotax. Fed is a piece of cake. Colorado...not quite as easy. We have a bunch of dividends from Fidelity for SPAXX (Fidelity Government Money market). Colorado instructions say that certain sources of dividends are not Colorado tax-exempt even though they're federal: TAXABLE OBLIGATIONS Inte...
by GreenGrowTheDollars
Sun Apr 07, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)
Replies: 77
Views: 4547

Re: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)

With respect to Canadian universities: - Be careful when evaluating costs and consider the impact when the Canadian $ rises vs. the US dollar. This happened when my sister was at McGill, and it stretched my parents much more than was comfortable. Might want to run a few scenarios on that. - Unless y...
by GreenGrowTheDollars
Sat Apr 06, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Probate Question Re Credit Cards
Replies: 36
Views: 2410

Re: Probate Question Re Credit Cards

I would instead request a refund and find a better attorney.
by GreenGrowTheDollars
Sat Apr 06, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Financial Windfall / Caring for Mom
Replies: 15
Views: 1594

Re: Financial Windfall / Caring for Mom

I'd be careful about trying to protect those assets. She may need assisted living at some point, and that is generally NOT covered by Medicaid. Even more likely is that she needs in-home healthcare. Then, there's memory care. I do not know a senior who wouldn't prefer any of these options to a nursi...
by GreenGrowTheDollars
Mon Apr 01, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Better elementary school - switch soon or wait
Replies: 29
Views: 1871

Re: Better elementary school - switch soon or wait

I agree. I'm looking beyond the rankings and at the statistics. The statistics aren't great but maybe others more familiar with school stats can say if they would be at all concerned: EOG Math: 68 EOG Reading: 66 Economically disadvantaged: 38.3% Retained in 3rd grade: 17% One year teacher turnover...
by GreenGrowTheDollars
Mon Apr 01, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 14998

Re: Shingrix [Vaccine availability]

My doc's office got in a bunch and called patients (like me) who'd had the first dose already. Got the second one 3 days before the 6 month window for suggested administration. :beer Was a lot smarter this time - scheduled the immunization for a Thursday, felt like bad flu on Friday, much better by ...
by GreenGrowTheDollars
Tue Jan 29, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 59
Views: 5606

Re: Have you searched for your unclaimed property?

Well, I'm kind of hacked. Found my dad's name on the NC website with what looks like a small premium refund (probably unearned premium) from the life insurance co. that paid out when he died. I was the executor and they knew that -- I handled all the paperwork so that the proceeds could be distribut...
by GreenGrowTheDollars
Tue Jan 29, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Sharing Elementary Class Photos
Replies: 40
Views: 3024

Re: Sharing Elementary Class Photos

This is right up there with "you can't teach about religion in public schools". Actually, you can. And should. The Department of ED has a FAQ on the use of pictures: https://studentprivacy.ed.gov/faq/faqs-photos-and-videos-under-ferpa Unless the class photo was used as part of a disciplinary action,...
by GreenGrowTheDollars
Tue Jan 29, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 79
Views: 14082

Re: What is the best all-inclusive resort you have ever visited?

Lizard Island. (Great Barrier Reef, Australia)

Pretty heavenly.
by GreenGrowTheDollars
Wed Jan 23, 2019 10:27 am
Forum: Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 82
Views: 18252

Re: Merrill Edge best choice for higher net worth accounts?

BofA is literally the worst bank I’ve ever dealt with. I’m surprised so many people seem peaceful with it here. They froze the very large checking account for the family trust my MIL was using for living expenses. This was also the account where MIL's SS and 2 pension checks were auto-deposited. It...
by GreenGrowTheDollars
Mon Jan 21, 2019 9:30 pm
Forum: Personal Investments
Topic: Stock Option "Right of Repurchase" question & IRA/Roth IRA related question
Replies: 0
Views: 137

Stock Option "Right of Repurchase" question & IRA/Roth IRA related question

DD has some stock options from her non-publicly-traded company. She is a NYC resident with very high marginal fed/state/city tax rates. Option #1 (from 2013) is straightforward - exercise price, vesting schedule, and an "Unvested Share Repurchase Right" allowing the company to elect to buy back unve...
by GreenGrowTheDollars
Mon Jan 21, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 10353

Re: Grocery shopping strategy

The Wal-Mart vegetable/produce selection in our are is not fabulous either in variety or in quality.
However, their canned/packaged good pricing is much, much better than at our King Soopers (Kroger) market.
by GreenGrowTheDollars
Mon Jan 21, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3698

Re: Son moving to Denver from California

If he'll be working in the Google/transit village vicinity or in the Pearl Street area, I'd highly advise the RTD Bus Rapid Transit rather than driving. The bus has preferential lanes and the traffic from Denver to Boulder in the AM is sluggish for 2-3 hours. Really sluggish. It is then bad again fr...
by GreenGrowTheDollars
Wed Jan 16, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1877

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

Bunches of times: At Fidelity 1. Clarification on establishing solo 401K 2. Medallion Signature Guarantees multiple times, either to sell or transfer assets from another brokerage or holding company 3. Making an IRA deposit on the last possible day for the prior year (almost a stupid misstep) 4. Cha...
by GreenGrowTheDollars
Tue Jan 08, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 992

Re: Engineer Co-op question

M.E student with prior background in Testing & Evaluation for multiple companies. I worked with engineers on problem solving through prototype in the firearms industry (I am 32). I am also a former Marine. My GPA sits at 3.3 and I have completed all general education along with Chem I, Solid Modeli...
by GreenGrowTheDollars
Tue Jan 08, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Insurance question, DDS 2nd opinion covered?
Replies: 6
Views: 448

Re: Insurance question, DDS 2nd opinion covered?

Even if insurance won't pay, my personal experience says you should get a second opinion anyway. When my retiring dentist sold his practice to young go-getters, they said I needed four fillings. This, after 30 years of perfect checkups. I went to another dentist recommended by a friend. No fillings...
by GreenGrowTheDollars
Mon Jan 07, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: House hunting in San Antonio (relocating from IL) - What to watch out for?
Replies: 31
Views: 1940

Re: House hunting in San Antonio (relocating from IL) - What to watch out for?

Have you considered renting for a year -- get the lay of the land, the new job, and then make a more considered decision on where you want to live?
by GreenGrowTheDollars
Mon Dec 31, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 75
Views: 10542

Re: Chase Sapphire Reserve

I got a nice bonus when I got the card and made the spend requirement. No hassle at all. The travel site for Chase has been great. I had no trouble using points (at a very reasonable conversion rate) to book hotels for same night stays in France while traveling around France. They also covered the c...
by GreenGrowTheDollars
Thu Dec 27, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund for small donors - my experience
Replies: 49
Views: 3178

Re: Donor Advised Fund for small donors - my experience

For the first time in 30+ years, I'm not in the least concerned about tracking down acknowledgments, canceled checks, or - worse - stock donation info for individual charities in order to do my taxes. It also makes for a much thinner tax records file. :sharebeer
by GreenGrowTheDollars
Mon Dec 17, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 2147

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

Even if you abate...nothing to stop particles from blowing in on you/getting tracked in by kids or pets.
by GreenGrowTheDollars
Sun Dec 16, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 3328

Re: Holiday Card [from Vanguard]

My independent Subaru repair place always sends a cute car-repair themed Thanksgiving card. It's the only business holiday card I like.
by GreenGrowTheDollars
Sat Dec 15, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2933

Re: Annoyingly Expensive HP Ink Cartridges

I have a Brother all-in-one color laser jet, and I miss my old HP8600 Plus. The quality of the Brother MFC-9130CW printing is not nearly as crisp as the HP provided. It balks majorly if I attempt to use non-Brother toner cartridges, and the Brother toner is quite pricey. It is also slow to print, an...
by GreenGrowTheDollars
Tue Dec 11, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Filing a complaint against AmeriHealth
Replies: 7
Views: 623

Re: Filing a complaint against AmeriHealth

When I had trouble with United Healthcare, a formal complaint filed with the state insurance commissioner brought the quick intervention of an executive service team at UCH. They quickly resolved the issue. I'm sorry it came to that, but their regular appeals process was ineffective. I'm not convinc...
by GreenGrowTheDollars
Thu Dec 06, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: HSA - How long is a doctor's note valid?
Replies: 9
Views: 1662

HSA - How long is a doctor's note valid?

I use artificial tears for dry eyes and reimburse from the HSA. The note my doctor provided doesn't have an end date and I'll likely need them for years. Do the notes expire from the IRS's perspective? I hate bugging docs to write these mother-may-I notes since it should be fairly obvious that nobod...
by GreenGrowTheDollars
Thu Dec 06, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: How far back can HSA Expenses go?
Replies: 14
Views: 1701

Re: How far back can HSA Expenses go?

Am I thinking about this correctly? Yes. The medical expenses have to be incurred on or after the day you originally opened your HSA. You can save those receipts for years. On or after the date that you opened an HSA, or the particular one where your funds reside? My recent switchover from HSA Bank...
by GreenGrowTheDollars
Sun Dec 02, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 22890

Re: Best values at Costco? Honestly, a little disappointed...

I figure the $2K I saved on hearing aids pays for renewals for a while. :D Hearing aid batteries are also way, way cheaper at Costco. (Tip: if you have a parent who uses hearing aids, find out the battery size and check on Costco's price. I so wish this had been available when my dad was spending hi...
by GreenGrowTheDollars
Sat Nov 03, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Softest Fabric or Brand for a Lady's Nightgown?
Replies: 10
Views: 1158

Re: Softest Fabric or Brand for a Lady's Nightgown?

Avoid anything with lace around the neck or sleeves. Calida is nice: https://www.cuddledown.com/itemdy00.aspx?t1=Z7857+689+24&srccode=NXCZC6&utm_source=froogle&utm_medium=pla&utm_campaign=2014&gclid=Cj0KCQjwjvXeBRDDARIsAC38TP6OQ4LXlTArkB0Un7ZYDX-dcT2lAQSJ6X0XLvsMa3JlgI5a5Hdmav4aAmw4EALw_wcB Signed, ...
by GreenGrowTheDollars
Tue Sep 11, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 69
Views: 7145

Re: Vacation house? Need objective third party

I'd skip this house...but consider a season-long rental for next summer as a way of trying out summer life. I have friends with vacation homes in MIchigan/Wisconsin/North Carolina and their kids seemed to very much like the annual sojourns. Meanwhile, consider focusing on paying off the mortgage and...
by GreenGrowTheDollars
Fri Aug 31, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 60
Views: 5594

Re: Durable Power of Attorney: Implementation Report

Fidelity was a breeze when DH took over as successor trustee pursuant to the trust documents; Bank of America froze the trust checking account for several months while their legal department played games. Learned from sad experience with my MIL and my dad: Banks and insurance companies believe that ...
by GreenGrowTheDollars
Wed Aug 29, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Investing My Sons Settlement Money
Replies: 12
Views: 2203

Re: Need Help Investing My Sons Settlement Money

I am not an attorney. I have, however, seen a couple of young people with injury settlements. In both cases, the person had full access at the age of majority -- 18 in most states. It might be different if the person was incapacitated. In neither case was the settlement specifically reserved for fut...
by GreenGrowTheDollars
Wed Aug 22, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1596

Re: Do Universities "Bait and Switch" Financial Aid?

Law schools are notorious for this. Undergraduate colleges seem to stay on a more even keel, HOWEVER - - Colleges may increase the "self-help" (ie, summer work/school year part-time job) expectation amounts from freshman to senior year - $2000 before freshman year, $2500 before sophomore year, $4000...
by GreenGrowTheDollars
Tue Aug 21, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 7310

Re: PCP Wants Full Charge Up Front

Have not heard of this at doctors, but have occasionally run into situations like this at lab service providers. At one national lab chain, they frequently ask to run my credit card and put a "hold" for list price of service. They can charge it immediately after insurance amount is established. Whe...
by GreenGrowTheDollars
Tue Aug 21, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Non-Traditional college financing
Replies: 8
Views: 592

Re: Non-Traditional college financing

Be sure that he checks the "residence" requirements. (In this case, "residence" means the courses that must be taken through the college in order to graduate with the degree from that college. It might be called something else at a given college. It might also be under transfer credits. Sometimes sc...
by GreenGrowTheDollars
Mon Aug 20, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13574

Re: Excessive Emergency Room Charges - Options?

I was initially balance billed by the ambulance company in California on a trip to the ER. It turned out that my insurer "assumed" (hoped is more like it) that the county ambulance service would accept what Aetna deemed the payment ought to be. The billing rep at the ambulance company simply sighed ...
by GreenGrowTheDollars
Mon Aug 20, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 996

Re: Establishing Residency as College Tuition Strategy

Residency for in-state tuition purposes varies from state to state and sometimes varies even for different public colleges within a state. A few states make it relatively easy for a student to gain in-state tuition classification as an undergraduate -- Utah and Montana are the two I see most frequen...
by GreenGrowTheDollars
Thu Aug 16, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2326

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

Definitly Almaty and Astana. They both look like beautiful cities. Son want to study astrophysics. He is learning Kazak too. We are in the US in SW CO mountains. Another reason he is interested is mountain biking and skiing. Will probably fly between Almaty and Astana. Will need to get visa to go t...
by GreenGrowTheDollars
Thu Aug 16, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2750

Re: Rental House Issue

You aren't ok with the lease being broken because a tenant died? :shock:
by GreenGrowTheDollars
Thu Jul 26, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11980

Re: An argument against self-insuring for long-term care

MIL is in "at home" care 24/7. Age 94. Cost: $8,000/month. If not for recently deceased FIL being a true "Boglehead", she would not have been so well provided for. But, still, those costs are indeed high. At what point and age would LTCI have been practical in MIL's case? Purchased at age 70, 80, e...
by GreenGrowTheDollars
Tue Jul 24, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8425

Re: Son Hurt at Summer Camp

I tripped at a hotel and broke my arm and shoulder. My own fault, and I said so right from the start. Nonetheless, the hotel had paid for Medical Payments to Others insurance coverage, and their insurance agent quite specifically told me that it was there specifically for this kind of situation. It ...
by GreenGrowTheDollars
Sun Jun 24, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 2339

Re: Thoughts on Canadian Universities [Dual US / Canadian citizen]

Does your daughter receive accommodations via an IEP or a 504 plan in her current high school? If so, please investigate whether/if/how those accommodations are handled in Canada. (In the US there are not IEPs for college but most students on an IEP can be transitioned into some form of a 504 plan, ...
by GreenGrowTheDollars
Thu Jun 21, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: I think I am going to put down 35-40% on a house
Replies: 12
Views: 1753

Re: I think I am going to put down 35-40% on a house

It is not always feasible, but we really appreciated the strategy of having a mortgage that was workable even if one of us wasn't working.
by GreenGrowTheDollars
Fri Jun 08, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 6319

Re: daughter wants a college transfer?

Colby is full for transfers for fall, fwiw. There are still colleges with transfer openings on the NACAC (National Association for College Admissions Counseling) website - easiest if you download the list and then sort by state, imo. https://www.nacacnet.org/news--publications/Research/CollegeOpenin...
by GreenGrowTheDollars
Fri Jun 08, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2775

Re: Renter's Insurance for College Dorm

Both of my sons had policies through collegestudentinsurance.com (CSI - now Gallagher). NSSI is another company that offers student property insurance. These aren't normal renter's insurance policies but rather specialized policies for students. The advantage over homeowners insurance is the low de...
by GreenGrowTheDollars
Thu Jun 07, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 44
Views: 5876

Re: Best insurer? Allstate vs chubb vs AAA or others

Not all insurers offer insurance in each zip code even if they sell insurance in that state. Though my adult daughter's previous policy was with State Farm in another state, they wouldn't write a renter's policy for her because her apartment on the 22nd floor was in an address in Manhattan that was ...
by GreenGrowTheDollars
Thu Jun 07, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 7940

Re: Severance Package Question

So, if you have working severance I think that also implies continued healthcare coverage -- which would have been the key request I'd have made. Other than taking a good hard look at your no-compete agreement and trying to negotiate a relaxation of restrictions in that, the financial package looks ...