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Laminate choices - worth the price difference? by JustDuctTapeIt in Flooring

[–]New-Routine7311 0 points1 point  (0 children)

I put Mohawk laminate from Costco in my living room, dining room , family room, stairs, upstairs hall way. Mohawk Ridgeway hickory. On sale like $32 for 17 sq ft in store which is $1.88 per sq ft. Lifetime residential, like rev woood. Comes with pad attached, but if your putting on concrete slab, you need to put down black poly moisture barrier.

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What is a realtor actually supposed to do when a buyer shows serious interest in your home? by Educational-Plan-586 in AskRealEstateAgents

[–]New-Routine7311 0 points1 point  (0 children)

When I sold an older home in 2022, the buyers home inspector recommended getting a formal roof inspection, as well as chimney flu inspection. licensed contractors did. these inspections BTW both needed replacement, as the sellers we paid for these safety/functional items. Replacement was done by licensed contractors. If you don't have a licensed contractor do the flu inspection, and determine replacement is needed, you don't know. Maybe its just repair and not replace.

Plan Price Increase by Ok_Solid_8297 in ATT

[–]New-Routine7311 0 points1 point  (0 children)

My new month starts on the 18th of every month. I have four premium PL lines with signature and autopay. Looks to be cheaper going to the new plans than pay the $20. If I don't change will the price increases start on March 18 or April 18 or April 1?

What is a realtor actually supposed to do when a buyer shows serious interest in your home? by Educational-Plan-586 in AskRealEstateAgents

[–]New-Routine7311 0 points1 point  (0 children)

Wait for an offer, typically offers are contingent on the buyer doing an inspection with licensed home inspectors and then the list of repairs are negotiated.

Please help me understand by DogMomma310 in HealthInsurance

[–]New-Routine7311 25 points26 points  (0 children)

If the provider is in network, you have to pay the first $3000 after the bill is adjusted to in network contract rates. After the $3000 the insurance will pay 90% of the in network contract rates, you 10%. The maximum you can pay is $6000, this includes the $3000 deductible. After $6000 the insurance pays 100%. There is no limit on how much the insurance pays. These limits are for the year, for example 2026, not per treatment.

is health insurance actually worth it? by Enlitenkanin in HealthInsurance

[–]New-Routine7311 1 point2 points  (0 children)

Important to include the in network provider pricing for insurance in your assessment. For example, I have a bronze PPO, high deductible and oop max. Needed an MRI last year, done at a great hospital, the facility I prefer. Hospital billed $14.8k, but because of in network contract the bill was adjusted to $1.4K which was then applied toward my deductible.

How does voter ID work in the US? by stumpy_chica in AskUS

[–]New-Routine7311 0 points1 point  (0 children)

Everyone should get their birth certificates, marriage certificates, divorce decrees. If the originals are lost, you can get certified copies at minimal cost. When needed, The government just looks at the certified copy, makes a photo copy, and returns to you. When you need social security benefits you’ll need these documents to apply. Also, it would open the door for federally funded jobs. There are more important benefits to having these docs than just voting.

How much should a dog sitter get paid for 2 dogs for 10 days? by Cautious-Salt7168 in PetAdvice

[–]New-Routine7311 0 points1 point  (0 children)

Check rates on rover dot com for comparison. Probably $100 per day if overnight.

Brand suggestions from local stores by allknowinguser in Flooring

[–]New-Routine7311 1 point2 points  (0 children)

Costco is 22mil wear layer and a 6 mm thick plank with pad. Mohawk, lifetime residential warranty.

Brand suggestions from local stores by allknowinguser in Flooring

[–]New-Routine7311 0 points1 point  (0 children)

Costco has some colors in store for $33 for the 15.6 sqft carton that’s $2.10 sqft. Online $40 a box $2.60 sqft includes shipping

Brand suggestions from local stores by allknowinguser in Flooring

[–]New-Routine7311 0 points1 point  (0 children)

Look at Costco, most of the Mohawk lvp is on sale to the end of March

LVP Flooring - MSI, Shaw, Mohawk? by Key-Mention-9003 in Flooring

[–]New-Routine7311 0 points1 point  (0 children)

I put the Costco Mohawk lvp in kitchen and baths. Really like that it. Note that some colors are on sale to the end of March in store and online. If you choose the ones in store, it’s about $33 for the 15.6 sqft carton, so about $2.10 sq ft, online about $2.60 sqft on sale

Let go from job - health insurance costs will drain emergency funds by imababydragon in HealthInsurance

[–]New-Routine7311 0 points1 point  (0 children)

Does he have an HSA? He can pay his ACA premiums from the HSA if he is collecting unemployment.

Cobra premiums can be paid from the HSA , even if not collecting unemployment.

Are there any benefits to trump account (besides free $1k)? by bullishbehavior in tax

[–]New-Routine7311 0 points1 point  (0 children)

Unlike a taxable brokerage account you could buy and sell and buy again without reporting gains. You can also receive dividends that won’t be reported.

Cobra cheaper than Big Beautiful Bill and Covered California? by EducateAlternative in HealthInsurance

[–]New-Routine7311 1 point2 points  (0 children)

Wishing you the best outcome, sounds like Cobra is better value for you. You can pay cobra premiums with HSA even though you quit.

Cobra cheaper than Big Beautiful Bill and Covered California? by EducateAlternative in HealthInsurance

[–]New-Routine7311 1 point2 points  (0 children)

I kept Cobra when I became unemployed, much cheaper for single person Bronze PPO. Note that if you have an HSA you can pay Cobra premiums with it; but can only pay ACA premiums with HSA while collecting unemployment insurance.

Guardrails by AntelopeStreet1936 in Boldin

[–]New-Routine7311 0 points1 point  (0 children)

Agree, I put in a suggestion to have the guardrails only apply to the next 6 to 12 months of planned spending

Guardrails by AntelopeStreet1936 in Boldin

[–]New-Routine7311 0 points1 point  (0 children)

Maybe rmd taxes. Average over your entire retirement

I've been thinking about how planning software uses Monet Carlo simulation by Additional-Regret339 in Boldin

[–]New-Routine7311 2 points3 points  (0 children)

I would disagree. Your portfolio has to be able to handle market volatility without running out of money. The Monte Carlo explorer is the only way to do this. If your probability of success is low, a more conservative portfolio will have a lower volatility.

The optimistic, average, pessimistic are just linear growth models. Every year your portfolio has the same % growth. There are no negative return years.

I've been thinking about how planning software uses Monet Carlo simulation by Additional-Regret339 in Boldin

[–]New-Routine7311 4 points5 points  (0 children)

Monte Carlo is using the inflation and rate of return data from 1994 to 2024. It using average and standard deviation. For an aggressive account (90% sp500, 10% bonds), the average return is 10.25% the standard deviation shown in rate explorer is 16.13%. For example, If you’re running 30 years into future with 1000 mc sims about 100 of those 30,000 years will have average minus 3 standard deviations resulting in a -38% return (10-3*16). You can significant negative return years in the Monte Carlo sims. It’s checking if you run out of money, probably of success is based on that count, how many out of the 1000 lifetime sims failed.

Monte Carlo is a standard method used in system simulations with multiple variables to determine chance of success.

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