On The Year We Saved $10K: I Try to Live Below the Salt

"subsidized by FAFSA" "FAFSA grants" What is this? FAFSA = Free Application for Federal Student Aid. Is is the application, not a program, so [confused].

Posted on August 21, 2014 at 1:30 pm 1

On Help a Reader Choose Her Health Care Plan

@KittyConner: "With option #3, you are going to end up paying more if this happens." Yeah, but, unless my math is off (always possible), it's like $275 more, ignoring tax effects. So not a big difference, in the major surgery situation.

Posted on August 12, 2014 at 6:30 pm 0

On Help a Reader Choose Her Health Care Plan

Here's the A-NUMBER-ONE question--and one that most don't think of bc they've never had a plan this crappy--- Does the deductible in #1 require you to pay $500 *before* you get the 'traditional insurance' coverage, for anything other than limited things? Yes, I have had a plan that did that, so it's not a crazy question. PS--that said, the bi-weekly premium savings from plans 2 and 3 are so minor that I don't see how either makes sense, unless one is *extremely* confident about not needing medical care.

Posted on August 12, 2014 at 6:15 pm 0

On Help a Reader Choose Her Health Care Plan

@honey cowl "for some reason, I STILL HAVE TO PAY" The 'for some reason' is that you have hit the deductible, but not the out of pocket max. Your limits sound like mine--I bet your o-o-p max is bt $10k and 12.5k. So, if you needed *major* surgery, you'd only have to pay a total of $12,000, but for a drip drip of lesser problems, you hit the deductible and then pay 15% (or 25% or whatever) of the bill for that $7,500 gap.

Posted on August 12, 2014 at 5:44 pm 0

On Help a Reader Choose Her Health Care Plan

@Greenbeans "However, if I’d been paying out of pocket*, I wouldn’t have gotten the insurance company’s discounted rates, and would have paid $220" I'm not aware of any decent plans that don't get you the discounted rate. We have a "high deductible" plan and always get the discounted rate.

Posted on August 12, 2014 at 5:40 pm 0

On A Father-Daughter Duo Answers Your Questions: Should I Stay or Should I Go?

"You don’t have to have a masters to get into the foreign service" See, this is what I think is *KEY*. Why do you want to go to grad school? Bc you think that it will get a FSO job? It's likely that *everyone* you go to grad school with will also be applying, and you'll all have the same degree--you know what *none* of them have? 2 or 3 years of a 'management' position in international education. You know what's *great* about that line on your resume, aside from being different from everyone else applying--instead of you paying $100k to get it, someone paid you to get it. I am legitimately *baffled* by the slant here at the BF toward getting a masters degree which may or may not actually aid one in getting a job. Baffled.

Posted on August 12, 2014 at 5:36 pm 2

On The Ethics of Taking Free Stuff

Yep, agree with everyone else--it's not that they are giving you books, it's about books with a certain theme, that they want to promote. You want to spread the wealth, make a donation to another similar program that gets books into underserved hoods. Curious if "Program" is so clearly middle of the road that the possible ideological bent (I mean, aside from the obvious 'pro-Jewish') is completely unworthy of note or concern. Because lots of these sorts of things come with a healthy dose of pre-indoctrination . Of course, not saying that Program is, but curious why no mentioned thought of that aspect.

Posted on August 11, 2014 at 4:17 pm 0

On GOOD ENOUGH Homes & Destinations: What You Get For $400K

You know what's *actually* a 'good enough' home in Cannon Falls? Something a lot more like this: http://www.zillow.com/homedetails/105-Village-Ave-Cannon-Falls-MN-55009/74841422_zpid/ Even tho $400k seems reasonable from the east of the Hudson perspective, that is the 2d most expensive house for sale in Cannon Falls. That makes it *not* a "good enough" house, but a veritable palace, that is "cheap" merely by virtue of being inconveniently located. Let's look at Danville, IL, where a 'good enough' about $400k house might look like this one, on 32 acres: http://www.zillow.com/homedetails/30-Old-Ottawa-Rd-Danville-IL-61834/80281969_zpid/ but where an *actual* 'good enough' house is more like this one: http://www.zillow.com/homedetails/1512-N-Franklin-St-Danville-IL-61832/80282896_zpid/ for only $69,900.

Posted on August 8, 2014 at 1:53 pm 0

On $1.4 Million in Assets, a Million in Debt

@SnarlFurillo We need Paul Harvey!! (for you kids, Paul Harvey was a radio guy who's most famous for his segment "The Rest of the Story") I'll sit thru these commercials for Metamucil and boner pills to hear what *wasn't* included in that LA Times article.

Posted on August 7, 2014 at 4:34 pm 0

On $1.4 Million in Assets, a Million in Debt

@Allison Yeah; and it probably *did* qualify under both meanings, before Shutterfly bought them, but when two of your four clients are controlled by 2 of the 3 richest people in America, you aren't working for "small businesses".

Posted on August 7, 2014 at 4:30 pm 0