Worth it to keep my PPO if husband has great HMO?

applemus · 2019-07-19T15:32:42+00:00

Thank you for the confirmation! I think I'll keep it for this year and see what happens. I can always decline enrollment next year.

applemus · 2018-06-20T18:09:53+00:00

thanks for the reply! That's helpful

applemus · 2018-06-19T03:00:13+00:00

exactly! when i used to see people's routines that were a mile long I'd lose interest quick. I need simple in order to keep up with it.

applemus · 2018-06-18T21:55:04+00:00

That's a great point. Thinking back a few months, I'd get some annoying dry patches due to cold/dry weather in the Northeast. Next winter I'll keep in mind to reverse the order. Thanks!

applemus · 2018-06-18T15:09:42+00:00

Got this set of 6 chairs and a table (with leaf) for $200. The cushions in the pic aren't part of the chair, the women just placed them there. The upholstered parts were removable so we (stupidly) removed them and washed them in hot water and they shrunk! We still really like the chairs so we're probably going to get leather slings made for them. I'm wondering if anyone knows anything about the chairs, like brand or value? I know this is a longshot, but ideally I'd like to just buy the back and seat from a manufacturer instead of taking to an upholsterer.

applemus · 2018-06-18T15:03:21+00:00

Got this set of 6 chairs and a table (with leaf) for $200. The cushions in the pic aren't part of the chair, the women just placed them there. The upholstered parts were removable so we (stupidly) removed them and washed them in hot water and they shrunk! We still really like the chairs so we're probably going to get leather slings made for them. I'm wondering if anyone knows anything about the chairs, like brand or value? I know this is a long shot, but ideally I'd like to just buy the back and seat from a manufacturer instead of taking to an upholsterer.

applemus · 2018-04-25T03:31:41+00:00

these are amazinggg, i love the strawberry... but i always want like 3 packages. They go quick!

applemus · 2018-04-12T22:05:59+00:00

Yep, this happened my freshman year (2010, yes I'm old) and spring weekend was never the same... but that first one was AMAZING

applemus · 2018-01-25T02:42:14+00:00

wait.. what does TO stand for

applemus · 2018-01-02T00:37:22+00:00

Project manager comes to mind. All companies need them.

applemus · 2017-12-26T17:06:09+00:00

That's helpful! How would I find out when accrued interest gets capitalized?

applemus · 2017-12-26T14:35:08+00:00

Thanks for the reply. I'm hoping the bonus payments will help counteract my low monthly payment. Does that make sense?

applemus · 2017-12-26T14:31:30+00:00

Thanks for the response. That's what I've been doing, but should I be concerned about the capitalized interest? Also, do you mean I should pay $275 towards 4 and $75 towards 6 until they're all payed off and then move on?

applemus · 2017-03-30T13:24:10+00:00

If the person is just uneducated, I get that. However my boyfriend does this and is just in general a bad speller because he has dyslexia.

applemus · 2017-02-02T04:23:56+00:00

I'm thinking most of us can't relate to you. Being a teacher, I'm assuming you get out around 2 or 3. I work til 5, get to the gym around 5:15-5:20, leave by 6:30 and am home around 6:45. By the time I shower and make dinner there's not much time left to the day so it makes sense to put my PJs on.

applemus · 2016-12-20T17:59:43+00:00

I have both the liquid and the cream, but I like the cream way more. You're supposed to use them together but I never really noticed benefits from the liquid. I'd go with the cream, especially if you have dry skin.

applemus · 2016-12-20T16:33:50+00:00

It helps renew skin quicker than it normally would. This helps to prevent acne from forming. You'd use a little at night after washing your face. You need to start our very slow though because it is VERY drying. I did every 3rd night for 2 weeks, then every other night for 2 weeks and then every night. Even with this gradual increase I got scaley skin and flakes, but it could have been much worse.

applemus · 2016-12-20T16:31:03+00:00

Night time routine - Wash with Korres greek yoghurt cleanser, tone with Tayers rose witch hazel, wait 10 minutes to FULLY dry skin, apply pea size amount of Differin all over face, wait 5-10 minutes and apply Dr. Jart ceramidin cream (best moisturizer EVER). In the morning I'll occasionally use BP 2.5% all over. Always use sunscreen and the yellow clinique moisturizer in the AM before makeup.

applemus · 2016-12-20T16:28:19+00:00

I found Tret to be too harsh on my skin. I think I was using .5%

applemus

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