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by BarbK
Mon May 11, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1574

Re: Florida Homeowners Insurance

I have Frontline - with a $70K named storm deductible and $2500 deductible for everything else. I have done everything I can to get the rate down but it is still insane and goes up a minimum of 10% a year. I think if I did have $70K worth of damage, the damage would be so widespread that it is doubt...
by BarbK
Tue Apr 21, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11006

Re: How much do you pay in Property Taxes?

You northern NJ folks have it horrible. I actually grew up in NJ and my parents always complained about how high the property taxes were THEN but I had no idea. They moved to Maryland when my dad retired probably in the mid 80s. Florida - good schools, 1/3 acre on inter-coastal tax assessed at $325K...
by BarbK
Sat Apr 18, 2015 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 41
Views: 2423

Re: long term capital gain tax vs. roth conversions

Lots of good info / links provided in this thread.

Do you have a HDHC policy? If so, you can open an HSA and get $8650 ($6650 joint, plus 1K each stepped up basis for being over 55). Comes right off the income - possibly the $7K of interest you are getting.
by BarbK
Sat Apr 11, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: RVU model new hire problem
Replies: 14
Views: 1003

Re: RVU model new hire problem

Do you work for CHS by any chance?

Definitely don't buy a house.

You don't have to sue, but you should consider speaking to an attorney.
by BarbK
Thu Feb 26, 2015 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough to retire at age 50?
Replies: 28
Views: 4089

Re: Do I have enough to retire at age 50?

That rental income doesn't seem enough to justify the 300K house value or hassle. There can't be much left over after paying taxes, insurance, repairs, etc. Have you considered selling the rental house, and paying down the mortgage in the house your living in? Then on the 2 years that you remain wor...
by BarbK
Sun Feb 15, 2015 6:09 pm
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1688

Re: I need a recommendation for a pressure washer.

I bought this one: http://www.homedepot.com/p/AR-Blue-Clean-1900-PSI-1-5-GPM-Electric-Pressure-Washer-AR383/204342669 for my porch and pool deck. It was the highest PSI of the electrics and does a great job. We also have a gas power one but it is such a drag getting it to the pool/porch area. I woul...
by BarbK
Sat Feb 07, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 25
Views: 2021

Re: Recommend a custodian for individual HSA account

I'm also looking to enroll in an HSA (first time), family HDHP (first time) , but want individual HSAs because we are both over 55 and want the $1K catch up each. From what I've read, our max contribution for the individual HSAs is $8650. At this time, low cost (or no cost) is the priority vs using ...
by BarbK
Sat Jan 31, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Take the job?
Replies: 68
Views: 2690

Re: Take the job?

Besides the 20K pay bump, there is no state income tax either. Hurricanes - there is so much notice; they start predicting them when they are off the coast of Africa. Your husband will hate moving to Florida in August or September; honestly they are the worst months. But it's great from mid-October ...
by BarbK
Sun Jan 25, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Mother in MI - Assisted Living transition
Replies: 10
Views: 1099

Re: Elderly Mother in MI - Assisted Living transition

For my mom, I didn't do the Medicaid route either; She lived in independent care and then assisted living for 6 years before she passed away. Everyone was private pay. Actually, I think all AL facilities in Florida are Private Pay and nursing homes are both private pay and Medicaid. She went to reha...
by BarbK
Thu Jan 22, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5789

Re: Florida in the summer

Where are all of you getting that the Florida heat is done at the end of August. I have live in Florida over 30 years, and September is just as brutal as August. I really don't see significant relief until mid-October. But on the other side, I don't think June is THAT bad. I rate August, September t...
by BarbK
Tue Jan 20, 2015 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17539

Re: Should I Declare Victory and Pack It In?

Depending on declared income, a gold plan in my state would be anywhere from $450 per month to $1700 per month. For this year, you would have worked for 1 month and right now no further plans. Based on that income, would it not be on the lower end of your range? I am technically not providing any s...
by BarbK
Sun Jan 18, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5789

Re: Florida in the summer

I live on a barrier island in East Central Florida and although it rarely gets over 90 and has constant breezes, the humidity is never under 90 percent in the summer. I don't think it is hotter than a lot of places, but the summer is just VERY LONG with August and September being the worst. No real ...
by BarbK
Sat Jan 17, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17539

Re: Should I Declare Victory and Pack It In?

Wormwood - I read through most of this, and from your first post, I knew it was CHS . How did I 'know', because my husband works there; and will until next week. CHS acquired the previous hospital owner in January '14 and once their 3 year contracts were up, many docs services were no longer needed...
by BarbK
Sat Jan 10, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Job (& insurance) Need Advice - ACA Subsidy or Roth
Replies: 11
Views: 1059

Re: Losing Job (& insurance) Need Advice - ACA Subsidy or Ro

Does anyone have ethical concerns about adjusting income to qualify for ACA subsidies? .... I think all, or almost all of us, agree that adjusting our income in legal ways to pay lower income taxes is fine. Is adjusting income to qualify for ACA subsidies or food stamps any different? .... Beth - F...
by BarbK
Sat Jan 10, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Job (& insurance) Need Advice - ACA Subsidy or Roth
Replies: 11
Views: 1059

Re: Losing Job (& insurance) Need Advice - ACA Subsidy or Ro

I called an independent agent earlier in the week (we're existing customers but haven't heard back yet; I would not consider her expert advise on any level). The HR rep is definitely not feasible; I only plan on using Health Care for catastrophic coverage. So looking at the $, it will cost $19K more...
by BarbK
Sat Jan 10, 2015 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Job (& insurance) Need Advice - ACA Subsidy or Roth
Replies: 11
Views: 1059

Re: Losing Job (& insurance) Need Advice - ACA Subsidy or Ro

Thanks for replying: I didn't consider the implied tax; also did not know the policy must be purchased from health.gov to get the subsidy on the tax return later on. Taken From HealthCare.gov Estimated monthly premium $274 Number of people covered: 2 Premium before tax credit: $1,058 So annual premi...
by BarbK
Sat Jan 10, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Job (& insurance) Need Advice - ACA Subsidy or Roth
Replies: 11
Views: 1059

Losing Job (& insurance) Need Advice - ACA Subsidy or Roth

At the end of January my husband is being laid off from his job. It is doubtful that he will work again. Applying for health insurance is all new to me but during my research, I think I would opt for a HD Bronze plan with an HSA to use for dental, eye care. The premium for such a plan would be $13K ...
by BarbK
Wed Jan 07, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6992

Re: Cancel Homeowner's Insurance?

I also live in Florida and struggle with cancelling the home insurance every year. I've done everything I can to get the price down - Lexan Shutters ($20K), top of the line roof, etc. removed replacement costs of interior goods. My hurricane deductible is 10%....or $70K before they pay the first $. ...
by BarbK
Thu Jul 25, 2013 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card or Cash discount for prepaid travel?
Replies: 4
Views: 372

Re: Credit card or Cash discount for prepaid travel?

Thanks for your replies.

I just called the CC (Capital One) and they said that if there was a problem, they would help with disputing charges if the vendor was willing to work with them. It didn't matter if it was prepaid or not; but a willing vendor seemed to be the key.
by BarbK
Tue Jul 23, 2013 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card or Cash discount for prepaid travel?
Replies: 4
Views: 372

Credit card or Cash discount for prepaid travel?

We are going on a cruise (Greece) and have the final payment due soon - 7 weeks before the actual trip. They are offering a 5% discount if we pay by check vs a credit card. We have Capital One and get 2% back for everything; so it is really a 3% discount but the savings is substantial. I would think...
by BarbK
Wed Feb 06, 2013 1:03 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance: Snapshot Discount, anyone ever use?
Replies: 20
Views: 4061

Re: Progressive Insurance: Snapshot Discount, anyone ever us

I did it when it was first introduced and yes, my insurance went down 30% (except uninsured motorist isn't included which is huge in Florida). I was in the middle of the 6 mo premium, and after 3 weeks of it being in my car, they credited my Credit Card with a refund. The device was in our cars for ...
by BarbK
Thu Jan 31, 2013 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Duke Energy and FKINX-A
Replies: 10
Views: 1666

Re: Duke Energy and FKINX-A

RE: FKINX - there are ADV share class (FRIAX) that you could get NO LOAD, with a min of $50K and expense ratio of .49 I inherited it and have kept it; Brokers don't do you any favors with the Franklin Income Fund; My mom's broker put her in the "C" shares (ER of 1) - I found the ADV share ...
by BarbK
Sat Jan 26, 2013 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: hard to let go of IBM
Replies: 46
Views: 3950

Re: hard to let go of IBM

IBM was also the first stock I ever bought - mid 80s. I have it in paper form and they send the distro check every 3 months.

I have never converted it to a broker, because I would be so tempted to sell it. My original 20 shares are 80 shares.
by BarbK
Tue Jan 22, 2013 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Help with grandparents estate - have POA authority
Replies: 21
Views: 1472

Re: Help with grandparents estate - have POA authority

I really feel badly for you - I went through this with my mom and she was in denial the entire time ~ 10 years. You are fortunate that you found out the diagnosis and hopefully it is recent and it is the early stages. On the debt, do you think any of it was fraud? do they have lots of stuff around? ...
by BarbK
Thu Jan 03, 2013 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

I wrote out a long post and lost it; so here's the recap: BigMajor - Liability only - Lloyds of London (woohoo a company I've heard of). Not sure that it matters, but the brokerage that my agent obtained the quote was Tapco. Rotorhead - That is excellent for you. RogerMexico - That type of coverage ...
by BarbK
Tue Jan 01, 2013 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

Barb, What insurance company were you able to find that would bind liability coverage only? Regards Matt I will call her tomorrow or Weds to get the company name. I get my insurance (auto, umbrella, house) from an independent broker, not an Allstate / StateFarm, etc. I only asked her to get a quote...
by BarbK
Mon Dec 31, 2012 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

Update to my original post: I went to my agent inquiring about Tower Hill and they don't write policies in my zip code. My agent got a quote from another company Guardian - she said that quotes were coming in for thousands less, but have been not renewing in subsequent years, (I thought it might sti...
by BarbK
Sun Dec 16, 2012 11:46 am
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

BarbK, If you go on Realtor.com, and search for houses within a 20 mile radius of Tampa that are 0-20 years old, with 3+ bedrooms and 2+ bathrooms, 1400+ square feet, 2+ stories and a garage, you can find many many houses that are located in normal-looking neighborhoods that look newly built and do...
by BarbK
Sun Dec 16, 2012 10:19 am
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

[...] Have you ever heard of People's Trust Insurance Company? - It's based in Boca Raton - I get mail from them to call for a quote. [...] Don't know if this is the same person or not, but more than a decade ago, when I first got into investing, there was a Michael Gold who worked with the "S...
by BarbK
Wed Dec 12, 2012 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance in NYC after Sandy....
Replies: 5
Views: 511

Re: Homeowners Insurance in NYC after Sandy....

Welcome to our world!!!! (Homeowner insurance in Florida is a nightmare). In Florida, if a storm has a name then the hurricane deductibles go into effect. They are really quick to name the storms too. This is something you need to watch for on your policy renewals. We also don't get to choose how mu...
by BarbK
Wed Dec 12, 2012 9:17 am
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

I went through the same thing. Florida homeowner here. Barb K.......drop State Farm. I went with Tower Hill...it's not State Farm, but it's not fly-by-night. Switch homeowners, and while your at it...if you need to shop for new auto policy...you might like what you find. Deepsea Thanks Deepsea - I ...
by BarbK
Tue Dec 11, 2012 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: It is usually a mistake to buy unneeded insurance

BarbK Assuming you do not have a mortgage that requires insurance coverage, and assuming you could afford a 100% loss of your home, then going without insurance coverage (particularly if your home is high and well built) is an option you should consider. In my opinion, it is usually a mistake to pa...
by BarbK
Tue Dec 11, 2012 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

The insurance companies pulled that in California wrt "high risk fire areas" a few years ago - doubling in a year even ... one insurance agent who I was chatting to , and who said he couldn't write insurance for my house anyways due to the shake roof, said it was because they needed to co...
by BarbK
Mon Dec 10, 2012 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

Thanks for your replies; It's so frustrating because I don't think I would ever collect anything if a hurricane hit b/c there is a newer clause that they would cover only $10K for mold. I'm pretty sure my house would not be leveled, unless there was a tidal wave and then the insurance wouldn't cover...
by BarbK
Mon Dec 10, 2012 9:26 am
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

Re: RANT - 2013 Florida Home Insurance Rate Increase

How much would it cost to rebuild your home? Maybe $600K? And why would you want to insure your home for half the value that it would cost to replace it? That is what the insurance premium is based on; but it would never sell NOW for anywhere near $600K. And it if was destroyed, the lot also has va...
by BarbK
Mon Dec 10, 2012 9:21 am
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 6693

RANT - 2013 Florida Home Insurance Rate Increase

I just received my renewal for my home insurance for January 2013 and it has increased another 20% from last year and this is with a $1400 credit for Lexan Storm Shutters. I was stunned to say the least. Last year (for January 2012), the increase was $1700; At that time, my husband wanted to go bare...
by BarbK
Sun Apr 01, 2012 8:52 pm
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 6912

Re: [POLL] How many miles on your car?

All bought new at the time. No plans to replace any in the near future since they all run great.

Honda Odyssey 1998 - 120K
Honda Pilot - 2006 - 78K
Madza Miata - 2001 - 12K - it sits in the garage.
by BarbK
Sun Apr 01, 2012 10:36 am
Forum: Personal Consumer Issues
Topic: Montessori or Not
Replies: 42
Views: 2455

Re: Montessori or Not

My daughter went to Montessori school from 3-5th grade. She was totally bored in school until then. It was the best $ and decision we ever made. She then went to an excellent public jr/sr high school along with 2 of her Montessori classmates. The 3 of them graduated high school with perfect unweight...
by BarbK
Fri Feb 24, 2012 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Is this an affordable condo purchase for us ... or not?
Replies: 32
Views: 2525

Re: Is this an affordable condo purchase for us ... or not?

I must have been writing when you posted the pics - the condo is outstanding - I can see why you love it. When real-estate recovers (and it will - maybe it will take 10 years) this place will be worth a lot. I don't know why I thought it was in Fl, so you can omit that home insurance warning - which...
by BarbK
Thu Feb 23, 2012 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is this an affordable condo purchase for us ... or not?
Replies: 32
Views: 2525

Re: Is this an affordable condo purchase for us ... or not?

So it's gone from $1M to $340K - real estate has already crashed. How would you feel if you found out someone else bought it? Relieved or Disappointed? In your current $20K yearly rent, does that include cable, electricity, etc? If not, then you need to add those expenses in for comparison. Need to ...
by BarbK
Thu Feb 23, 2012 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is this an affordable condo purchase for us ... or not?
Replies: 32
Views: 2525

Re: Is this an affordable condo purchase for us ... or not?

So the $1K a month includes all your utilities except phone? If it includes your home insurance $1K is a steal!!!!! otherwise I think it is pretty average since there are true elevator costs, etc. Do they have any buffer in the budget for when the place needs painting? I've owned townhomes before an...
by BarbK
Thu Feb 23, 2012 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Spender V Saver 4: What's "Our Number"?
Replies: 75
Views: 5523

Re: Spender V Saver 4: What's "Our Number"?

I've read some of the other threads (until I couldn't take it anymore) and just read through this thread in it's entirety. My initial comments from your other thread(s), is I didn't think your wife's spending was nearly as bad as you portrayed her; she is using coupons which is probably something sh...
by BarbK
Wed Dec 14, 2011 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: zero coupon bonds
Replies: 28
Views: 2889

Re: zero coupon bonds

I checked out that bond - I now buy bonds at ZionsDirect and honestly, that one would have been filtered out even if it paid semi-monthly. I couldn't find it on ZionsDirect but did on Scottrade (they were selling it for more); and looked at the material events. Nothing substantial other than consist...
by BarbK
Wed Dec 14, 2011 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: zero coupon bonds
Replies: 28
Views: 2889

Re: zero coupon bonds

I have a lot of muni zeros that a broker sold us when we were much younger and although I am a fan of muni bonds, I do not buy zeros anymore. Mine all started out as AAA and a lot are BBB now. Definitely check emma to see what the bond sold for; Emma also has a new rating section. I am holding my ze...
by BarbK
Tue Dec 13, 2011 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy expensive umbrella insurance !!
Replies: 42
Views: 3198

Re: Crazy expensive umbrella insurance !!

Hey DeepSea - I'm updating the post - I received my $2M umbrella renewal today (live in Fl, have a 20 year old in college, pool, dog) and it was $791; which was about what it was last year. I'm with Progressive. You need to look at other companies. My quote with State Farm was twice that in August. ...
by BarbK
Thu Dec 08, 2011 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy expensive umbrella insurance !!
Replies: 42
Views: 3198

Re: Crazy expensive umbrella insurance !!

DeapSea - My HO policy renewal (Jan 2012) was delivered today and it went up $1000. That also includes a > $1200 wind mitigation credit (Lexan Storm Shutters). Jan 2011 it increased $700. No hurricanes, no nothing except huge price increases. They make us insure it for double what we could actually ...
by BarbK
Thu Dec 08, 2011 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy expensive umbrella insurance !!
Replies: 42
Views: 3198

Re: Crazy expensive umbrella insurance !!

The umbrella is good is someone fell on your property and sued you. That is why I am going to look for a liability only policy if my HO renewal is even more outrageous. RE: Tenents by Entirety and asset protection: What if both of you were jointly sued? In Fl, your Home, IRA/401K, Annuities are all ...
by BarbK
Thu Dec 08, 2011 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Crazy expensive umbrella insurance !!
Replies: 42
Views: 3198

Re: Crazy expensive umbrella insurance !!

I don't understand why you would have $1 million liability on your cars, if you have the umbrella. If you want $3 million in coverage wouldn't it be better to just raise the umbrella? We have $100/300K liability on autos and the $1 million umbrella, if I wanted higher liability I'd do it via the um...
by BarbK
Thu Dec 08, 2011 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Crazy expensive umbrella insurance !!
Replies: 42
Views: 3198

Re: Crazy expensive umbrella insurance !!

DeepSea - Fellow Floridian here. I thought you lived in Fl since I have the same insurance issues and frustrations as you. I don't think people from other states understand horrible and expensive all insurance is in Florida. I find our yearly increases are equivalent to their yearly premium. For Hom...
by BarbK
Wed Dec 07, 2011 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy expensive umbrella insurance !!
Replies: 42
Views: 3198

Re: Crazy expensive umbrella insurance !!

What State do you live in? That makes a HUGE differenct in Uninsured Motorist, Umbrella. Are you sure your $1M stacked (5 cars) is not providing $5M? I had $500K stacked - 3 cars, so I had $1.5M ; After years of outrageous premiums, I changed to 250K/500K - non-stacked. Last summer, I was getting qu...

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