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I froze credit with the big3 agencies yesterday, and got a freebie w equifax too. Maybe someone at equifax is trying to do damage control?

Homemade energy bites. This date-lime-coconut recipe is one of my favorites: http://paleogrubs.com/lime-energy-bite-recipe Sent from my SM-T710 using Early Retirement Forum mobile app

I've had one for a few months now and like it. It doesn't replace a good vacuum, but lets me go longer between vacuuming and keeps the floors (mostly wood, some area rugs) much less dusty/gritty. I no longer find dust balls under the beds and couch when I have to look/crawl under there. My SO is...

I've had this card for a month or two (converted from a different Citi card), and so far it is accruing rewards as advertised. You can redeem for a statement credit once you hit $25 in rewards. I haven't hit that threshold yet so haven't actually redeemed, but looks like it's just a few clicks...

Update: I called Kaiser today and am finally in their system! Paid my premium over the phone and coverage is retroactive to the date specified in my original application. I never did hear back from a CoveredCA supervisor about my escalated case though.

Thanks for all the suggestions. I should clarify - it's possible I will be eligible for a subsidy in 2015, which is why I applied through the exchange. In retrospect, maybe I should have gone through Kaiser directly for now, then used the exchange during open enrollment in November. I tried...

I left my fulltime job in August (hooray) and decided to apply for health insurance through the California exchange, CoveredCA. I was able to sign up for a Kaiser Permanente Bronze high-deductible plan, and the web site said it would submit my info to Kaiser and that Kaiser would bill me...

Haven't had issues since the last upgrade either. Thanks! Sent from my Nexus 7 using Early Retirement Forum mobile app

Nexus 7 with android 4.4.4 Version 4.4.3 had lots of crashes too. Sent from my Nexus 7 using Early Retirement Forum mobile app

A bit of self-centered musing: Recently I hit a significant milestone in my FIRE portfolio. It so happens that in 1996, my then-SO introduced me to the concept of index investing, and I created my first spreadsheet projecting my net worth. It made assumptions about stock returns (I started...

no TBM? I'm surprised not many people are listing a Total Bond fund among their holdings in this thread. It may not be optimal, especially in today's interest rate environment, but as a long term holding on autopilot it seems fine. My non-equity portion is 50% TBM and 50% TIPs fund. Their...

I have the same issue on my nexus 7.

Oh yeah, some of those reviews don't look so good! I'm happy with mine (not a leather version, trifold), but if I didn't keep the card slots full maybe I'd have similar problems with cards slipping out.

big skinny I have a trifold wallet from Big Skinny (Wallet-World’s Thinnest Wallets! A Thin, Slim, Flat Wallet by Big Skinny). It's held up well for over a year and has good carrying capacity. They have several different designs, all meant for people who want thin wallets.

Don't remember seeing this posted here before: 101 New Uses for Everyday Things | RealSimple.com I was surprised by this one: 5. Loosen caked-on food from a pan. Place a fresh sheet in the bottom of a dirty pan, fill with lukewarm tap water, and let sit in the sink overnight. The pan...

Reading all these responses from people who would love to spend more (most?) of their time with spouses makes me feel a bit weird. We currently both work, but spend most weeknights and generally half of the weekends together. No kids, so this is one-on-one time. Both as an introvert and also in...

My moment of enlightenment was in my mid teens. I always liked to do things my own way, and the teen years were filled with the usual angst of disagreeing with my parents about my way vs their way. A couple years of this, and it dawned on me that if I had enough money to live on my own, nobody...

Very sorry to hear about your continuing pain issues! In the interest of just getting ideas out there, how about yoga (there are many different kinds, maybe one that emphasizes stretching and strength poses), or trigger point therapy/massage? A relative has used this book to self-massage...

So glad to hear you've made it through a tough time! Keep up the wonderful attitude, and hope to see you posting here more again!

The only conversion policy I've heard of is via the HIPAA rules. If that's what you're referring to, I'm not eligible according to the application: it says to get a HIPAA policy, you must not be eligible for any kind of group HI. Yes, plenty of unhappy coworkers here! Many have been...

Based on some of your responses, maybe I'm being too optimistic about being able to get the individual coverage. I did speak to an insurance broker about applying to this HMO, and was advised that they usually reject outright (instead of offering coverage with exclusions), but that I might as...

Not yet, but none of the questions on the application required me to disclose the annual MRIs. They ask things like "Have you been treated or diagnosed" for certain conditions within the past 5 years. Maybe someone more knowledgeable in the insurance field can correct me, but I don't think...

My employer recently decided to stop offering my particular group health insurance plan which I've been on for several years. Instead, employees are being offered a different set of group plans which are significantly more expensive. Since my current plan is an HMO, I will not be able to...

+1 to Ha's advice. I'm a violinist and amateur luthier. Get it cleaned and checked out by a professional. This shouldn't cost a huge amount, but it's easy to damage the varnish with improper cleaning. Don't tighten the strings or put new ones on until a luthier has made sure it's set up...

At that age, let him use his own money. If it turns out to be a waste, that could be a valuable lesson worth much more than $300.