u/Accurate-Flow8078

I recently bought DRAM and was looking to add SMH and NASA. Am I too late for these?

We just built a new construction SFH. Do you let the tax assessor inside or say no?

My yard has carpenter ants the length of a quarter. Are they going to eat my house? How do I get rid of them?

I need an electric dryer with a reversible door. Is there a way to filter them on Costco.com or do I have to look up each model individually?

When I first bought my home I asked for a cash discount for a flooring job, and for landscaping. They both took off $1,000 from 20k+ jobs. Does anyone else do this?

My current job is being terminated and my new employer doesn't offer 401k contributions for an entire year. Yes that's correct, I can't make any contributions at all for an entire year. So my plan is to front load the rest of my 401k for 2026 at my current job and back load it at my new job next year.

I think my current 401k plan charges a 2% admin fee after I leave my employer. Should I pay the fee for a year or roll it into an IRA? I have to do a backdoor Roth IRA each year since I am over the income limits for Roth. Would rolling over a 401k to an IRA mess up my Roth eligibility? Will there be any tax events?

I have Roth, taxable, and HSA accounts at Fidelity so I wouldn't mind moving my 401k funds to Fidelity as well, as long as there's no tax events.

We always hear about single pharmacists or DINKS who can retire early, which should be expected TBH.

But how many pharmacists out there with kids can retire early? Those who had student loans, had to pay for their own house, cars, wedding, kids, and/or even help out the grandparents financially, how did you do it?

Everyone says Costco is the best retail pharmacy to work at. Maybe my store is different but every time I walk by the pharmacy, it seems very busy with a line. The pharmacists always look stressed and running around like in any other retail pharmacy. I read they don't even get an employee discount, just a free membership which is like $65. Why is it so great? It seems like grocery stores or even some Walmarts are less stressful?

We were traveling internationally but had to return home ASAP due to a medical emergency. We had to check out early and rebook our return flight. I submitted a travel insurance claim with Chase Ink Preferred. I submitted every document and receipt I possibly have.

They are now requesting the following:

"For Trip Interruption only: Copy of receipts for ground transportation to the departure point, or covered traveler's residence, in the event that the covered traveler required necessary medical treatment for a covered reason. Plus, copies of receipts to return a rental vehicle to the closest rental agency, or return of your personal vehicle to your residence."

Does anyone know what this means? I already submitted receipts for the shuttle from the airport to the hotel in both directions. The airport transportation was included with the hotel. We never got a rental car or left the hotel.

When we landed at home, our sibling drove us straight to the ER. We don't have any receipts for that ride. I submitted the ER after visit summary.

When I call Chase I just get the generic "we are reviewing the documents and it will take up to 7-10 business days". The status of the claim is "open - pending documents". I don't know what other documents I can possibly submit.

They say they want the item then ask for the address, then I give it to them. Then they either stop responding or change their mind. Why waste people's time?

This seems petty but I feel like I'm being nickel and dimed. Is it worth complaining about?

I'm building a new construction and the proposal says it includes a programmable thermostat. I asked if I could provide my own Nest thermostat instead, they said yes. Then I was charged $250 to install it. I did not know I would get charged for this. It requires no more additional work than installing a regular thermostat. I even scanned the QR code and set up the app by myself. I would have replaced the generic thermostat myself if I had known I would be charged.

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My new employer has 3 national medical plan options (United). I asked if they are eligible for HSA and they were clueless. Is it just based on deductible and out of pocket max? Do I contribute $8,750 after tax money to my Fidelity HSA and reimburse myself the taxes when I file in April?

Choice EPO

In-network only

$5,000 / $10,000 deductible

$7,000 / $14,000 out-of-pocket max

Choice Plus PPO

In- and out-of-network

$5,000 / $10,000 deductible

$7,000 / $14,000 out-of-pocket max

Choice EPO

In-network only

$2,000 / $4,000 deductible

$4,000 / $8,000 out-of-pocket max

I never grew up or had a pet before so I just don't understand. I have a condo in an urban area with no yard or green space. It's a concrete jungle. I put in my listing "no pets allowed" because the HOA does not allow them. Of course, 80% of the inquiries say "is it okay if I bring in a 40 lb labradoodle?" or "I have a pit bull" or "I have a rottweiler". Why would anyone want to live in a small condo with a big dog with no place for them to walk or run around? That seems really unfair for the pet. Also my tenant pool often lives paycheck to paycheck and can barely afford rent. How can they afford a large dog if they're barely getting by?