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Re: High Deductible Heath Plan vs Co-Pay healh plan

I don't believe you can contribute to an HRA. Also, for our HRA, the balances didn't earn any interest and if I left my employer, I could continue to access it but I couldn't roll it out. It was much more limited than the typical HSA arrangement. Now that I think I understand what a HRA (Health rei...
by Jay69
Thu Jun 05, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

Seems like a no-brainer. The HDHP is a no-brainer. If you run up some relatively high medical expenses, say $14,000, you would pay the first $3k and then 20% of the remaining $11k. Total of $5,200, plus the $4,000 premium minus the $2,000 employer funding and your net is $7,200 which matches the pr...
by Jay69
Thu Jun 05, 2014 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

bnes Thanks for the real world example, I think I have seen a few of your bills! I'm still steamed about my last check up, doc suggest that I get my hearing checked then to see the ENT. I knew I would get nailed for 2 copays, one for the hearing test then a second for the ENT visit even though it al...
by Jay69
Wed Jun 04, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

If life tosses you a bad hand at some point is their any reason why a person cannot switch from a HDP back to the old plan during the open enrolment timeframe? This happens to be one of larger government employers in the state so I would assume they will keep the old plan in tack for a few more year...
by Jay69
Wed Jun 04, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

Rack up the out-of-pocket max, after tax, including premiums. You need to understand the worst case for both plans. My guess is they aren't wildly different. Then it becomes a decision to take a little risk for some potential benefits if you under utilize. If the company has priced them right, they...
by Jay69
Wed Jun 04, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

By the time my employer got around to giving us this option, my wife and I were about to have our first child and I had some health issues (chronic migraines for one) that made it very much not worthwhile. My migraine medication has gone generic since then, but at the time a prescription for 9 pill...
by Jay69
Wed Jun 04, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

My recommendation is to look back at your medical bills and really figure it out. If you are young and healthy, and its an HSA, it most likely will be a great thing for your family.Dylanh This is the hard part, we have active kids, were all over the map year to year. Think active sports, one year y...
by Jay69
Wed Jun 04, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

Are the networks the same? When I was still working and having to make this kind of choice, I found that the numbers were not significantly different enough to make it obvious either way. I ended up selecting on other criteria (mainly physician and hospital networks, which in my case were different...
by Jay69
Wed Jun 04, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: High Deductible Heath Plan vs Co-Pay healh plan

As Asif asked initially, please consider the difference in HRA and HSA words. OP listed it as HRA and some of us are talking about HSA. They are calling it a Health Reimbursement Account (HRA). The following is what they tell us about the HRA account: HRA is a tax-exempt account used to pay for you...
by Jay69
Wed Jun 04, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

High Deductible Heath Plan vs Co-Pay healh plan

We have an employer offered High Deductible Heath Plan insurance option this coming year. This is something new to us and to be honest I'm not sure what makes the most sense. Here are the numbers: Employer will fund a Health Reimbursement Account with $2,000 for 2014-2015, $1,500 for the following y...
by Jay69
Wed Jun 04, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Heath Plan vs Co-Pay healh plan
Replies: 23
Views: 850

Re: Teaching Personal Finance next year... what to include?

Not sure what level this is (late high school, community college, etc?) - gvsucavie03 referred to the students in a follow-up as "kids". Yes, high school kids. I also love your thoughts on career path. I would go so far to a simple class in middle school (not much investing), just how muc...
by Jay69
Tue Jun 03, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Personal Finance next year... what to include?
Replies: 51
Views: 2506

Re: Half Milestone Hit!

I think it's important to look at the steps along the way..... - Wow - look no credit card debit. - Ya know, I could pay my bills without a pay check for a while. - Hey, My net worth seems to be into positive numbers. .... - Ya know I could pay off my mortgage. ..... - If I have a bad day at work, ...
by Jay69
Tue Jun 03, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2575

Re: Pay off car loan or stay in market?

I would pay it off just for the fact its one less thing I need to deal with!
by Jay69
Mon Jun 02, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off car loan or stay in market?
Replies: 22
Views: 1321

Re: LifeStrategy "Ladder"

This is one of those things that I think Vanguard could improve on, provide a static AA at 10% steps.
by Jay69
Mon Jun 02, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy "Ladder"
Replies: 13
Views: 2053

Re: what to do with Bond dividends

I have all dividends in my IRA account set on reinvest. If this were taxable, I'd have dividends go to my money market and then periodically re-balance with those funds as needed. 2nd, some will say now with the new required brokerage reporting/tracking they will just reinvest in taxable as well, I...
by Jay69
Mon Jun 02, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: what to do with Bond dividends
Replies: 8
Views: 736

Re: Commute to elementary school

Your kids are young and they are just getting started with school. I think what you will find as they age they will find more and more activities each year such as a sport, church activities, music lesson etc. As they age each activity will grow in time as well, the game that was 30 minutes when the...
by Jay69
Fri May 30, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 2811

Re: How to decide your number?

mptfan I agree with what your are saying and see it first hand everyday. I know a few people who are now early to late 80's and all they have is a paid for home and SS and seem to be quite happy. It is a huge disparity from what I read here to what I see being applied in the field! This maybe the re...
by Jay69
Tue May 27, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How to decide your number?
Replies: 61
Views: 7137

Re: How to decide your number?

Here is a simple way to find your number: 1. Calculate your total expected annual spending in retirement. 2. Subtract annual annuity income, pensions, Social Security, rental income and other non-portfolio income 3. Multiply the amount left by 20 if you don't care to leave anything behind or 25 if ...
by Jay69
Tue May 27, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: How to decide your number?
Replies: 61
Views: 7137

Re: Staking Tomatoes

Those conical or otherwise flimsy cages are worth nothing, imho. I have seen this comment a few times in this thread, I bought 12 of the taller conical ones that are made with about 1/4" steel and they have worked great for the last 4 years, I just installed them again for the 5th season this ...
by Jay69
Thu May 22, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Staking Tomatoes
Replies: 20
Views: 1056

Re: Roll Call for the Retirement Class of 2014!

The more I read this thread the more I think I would like to retire on July 4th, it will give me something to shoot for 10-15 years from now :wink:
by Jay69
Wed May 21, 2014 9:28 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 166
Views: 15325

Re: Poor Planning Parents (baby boomers)

Your parents are young, unless they are in poor health could they not shut down the biz and pick up some work else ware for a year or two while they sell the properties and clean things up? It would seem to me they would could end up with a paid for home to live in with cheap taxes and $500,000 in t...
by Jay69
Mon May 19, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poor Planning Parents
Replies: 28
Views: 3443

Re: Roll Call for the Retirement Class of 2014!

After reading this thread, I have a some way to go btw, I have to wonder how many people have been putting off retirement while waiting for this recent run up in the market? In other words are we going to start seeing a glut of new retires compared to 2009, 2010, 2011 etc.? If so I hope this helps g...
by Jay69
Mon May 19, 2014 3:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 166
Views: 15325

Re: Convince me to choose a Suburban over a Sequoia

We have had a few Suburban's, all great trucks, they are great in the snow btw. If you go to a campground sometime you will see why many complain about the tranny's. I see this all the time, people take a 1/2 ton suburban with out a tow package, no tranny cooler etc. and then proceed to pull a 35' c...
by Jay69
Mon May 19, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4312

Re: Garden 2014

MP173 wrote:How is everyone else doing so far this spring?


Sill dealing with frost here in the Midwest. Will be plating seeds this weekend and plants the following week.
by Jay69
Fri May 16, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4513

Re: Visiting Minnesota Suggestions?

Almost forgot, lots of good craft beers to be found :sharebeer
by Jay69
Tue May 13, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2200

Re: Visiting Minnesota Suggestions?

Can't go wrong with any of the suggestions above, we have so many state park in every corner of the state you could not see them all in one summer really. The north shore provides a lot of nature, beauty and history as many have noted already. I'm not going to list the outdoor locations as many have...
by Jay69
Tue May 13, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2200

Re: Lawyer recommends trust

Say you raise your kids right but 2008 happens, they lose their job and they lose their house. Say they have an emergency fund and they went to college so they find a job without too much hassle, but now the bank wants their money. Say your kid has done the right thing and invested the money he inh...
by Jay69
Mon May 12, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5302

Re: Help/advice with applying for 501(c)(3) status

Be prepared its takes or can take some time.

It took 2 years to get it through and done for our Booster Club, we just got our approval last month.

I'm not sure what type of group you are looking at for 501(c)(3) status but many groups to don't like the fact they can't have individual accounts.
by Jay69
Mon May 12, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help/advice with applying for 501(c)(3) status
Replies: 4
Views: 266

Re: New Car vs Used Car -- how to decide?

When we bought our last econo box in 2011 granted not a $30,000 car but a $15,000 I was stunned at the cost of a used cars. Buy new for $15,000 or 2-3 years old with 50,000miles for $13,000. At that time the value of buying used was just not good. I think the Cash for Clunkers program that ran the s...
by Jay69
Mon May 12, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: New Car vs Used Car -- how to decide?
Replies: 29
Views: 2216

Re: Tillers & Cultivators

I'm not a fan of the used tiller you listed myself. I see many used tillers on Craigslist, it would appear that many people start a garden and buy new tiller, after about 3-5years they are done. I would be looking for something that has an old school 4 stroke Briggs, with any luck it will be old eno...
by Jay69
Mon May 12, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Tillers & Cultivators
Replies: 21
Views: 1402

Re: Spray cans losing pressure

When I can get a good deal on Brake Clean and WD40 for the shop I will pick up a year or two's worth. So far so good. I did however last week have a can of Lysol spray go bad with about half left in the can, it was a two pack of spray from Costco. I guess my #2's must not stink that bad as I was una...
by Jay69
Mon May 12, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Spray cans losing pressure
Replies: 27
Views: 1303

Re: Should I buy a fun car?

We picked up a 10 year old Mustang convertible last summer. Its fun we enjoy it and all that jazz but after storing this winter and summer on its way now I'm giving some thought to selling now. Just does not look and feel the same as it did last year. It was a done and check it off the bucket list t...
by Jay69
Thu May 08, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3141

Re: Electric Bills going up Again - window A/C?

stlutz wrote:You could just shut all the registers in the other rooms of the house. Window units can be kind of loud if there is any vibration.


Maybe, not enough air across the coil and you will get a block of ice + the t-stat will always be calling for cooling unless its in your bedroom.
by Jay69
Thu May 08, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Electric Bills going up Again - window A/C?
Replies: 33
Views: 2421

Re: Electric Bills going up Again - window A/C?

Nothing wrong or tacky with it unless you care what other people in the area might think. A window shaker was the only A/C we had for the whole house when I grew up. You can see many apartment buildings that use hot water fin tube heat with a window shaker for A/C, very common. We also have central ...
by Jay69
Thu May 08, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Electric Bills going up Again - window A/C?
Replies: 33
Views: 2421

Re: eBook Readers and EPUB files?

Thanks for all the comments thus far. What got me to this point, I was looking to reading the Jack Reacher series by Lee Child. It looks like my library has them all as eBooks in EPUB format with about 1/3 of them in Kindle format. I checked a few other authors and it appears that EPUB wins about 2:...
by Jay69
Thu May 08, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1327

eBook Readers and EPUB files?

I'm looking into getting my first eBook reader. I see it mostly being used for library checkouts, from my understanding that means mostly EPUB files. Being I have not used one before I think these are the options/uses I would be interested in. 1. Able to handle EBUB files without fuss. 2. Able to us...
by Jay69
Thu May 08, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1327

Re: Ordering new blank checks

Ours are free from the bank, you can even choose your favorite layout.

I hate checks and do everything not to use them. About the only place where you have to use them is at our DMV and kids school.
by Jay69
Mon May 05, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Ordering new blank checks
Replies: 36
Views: 1922

Re: Best Hospice Care Support Forum

After a long illness we took my fathers doctors's direction on where to go for Hospice Care, he had great care. This was 15 years ago, its a hard time for a family, take one day at a time.
by Jay69
Mon May 05, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 975

Re: Can you raise kids in a townhouse?

Not so sure its a townhome question, I think its more of a location question myself. I would want a home (townhome or other) located in an area that has some decent outside space that they can play and get in trouble with other kids. I was very glad to have a small crappy home on a few acres for our...
by Jay69
Thu May 01, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3403

Re: [avoiding utility payments]

Beckmaster I know what you are getting at, I dislike paying the monthly bills as well. I have thought about making one payment/year, I can do that with my electric and gas companies, they are more than happy to my check for a years service, yeah its a guess at the amount but I could get close. I hav...
by Jay69
Thu May 01, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: [avoiding utility payments]
Replies: 29
Views: 2911

Re: POLL - how often do you service your HVAC system?

Our furnace is circa 1984, the draft motor has 2 spots for oil, its noted to oil one time a year so that's what I do. I have come to know our furnace very well over the years fixing this and replacing that. It used to love to eat a hot surface igniter every year or two, think I found a good one this...
by Jay69
Mon Apr 28, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: POLL - how often do you service your HVAC system?
Replies: 22
Views: 4642

Re: May Ibond fixed rate crystal ball

I did try the search box first, tried it for a second time and I found this thread :annoyed

I was using he wrong search box :oops:

Go it

http://www.bogleheads.org/forum/viewtopic.php?p=2034000#p2034000
by Jay69
Fri Apr 25, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: May Ibond fixed rate crystal ball
Replies: 8
Views: 864

May Ibond fixed rate crystal ball

Anybody care to take a guess at the May Ibond fixed rate?
by Jay69
Fri Apr 25, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: May Ibond fixed rate crystal ball
Replies: 8
Views: 864

Re: Why a million may not be enough

I recently met a woman with a paid off condo who has no savings and is happily retired on what she gets from Social Security. I know 2 of these people, seem to be very active and happy. I look at them and it makes me question my working motives. My mother is in basically the same boat but owns nice...
by Jay69
Wed Apr 23, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why a million may not be enough
Replies: 33
Views: 6343

Re: Son or Daughter working with Mom or Dad?

Does your son need to struggle for a bit first to learn the difference between a blue collar job and a white collar job? No I don't think so, I do most everything myself from roofing the house, fixing cars, etc. Its just something I enjoy and have passed down to my kids to be self sufficient, they ...
by Jay69
Wed Apr 23, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 16
Views: 1189

Re: Son or Daughter working with Mom or Dad?

One of my high schoolers worked for the company I work for, but she was well-qualified and did not report to me. I have also supervised interns who were children of my colleagues. There has never ever been any issue with Mom or Dad in these situations. The kid does not want to report to the parent ...
by Jay69
Wed Apr 23, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 16
Views: 1189

Re: Son or Daughter working with Mom or Dad?

Are you sure your son would want to work with you? Many kids at that age might prefer to be away from their parents. I'm not completely sure but I do think so. I would not want him to feel like he has to work with me just because I'm his dad, I would want him to work here because he thinks it maybe...
by Jay69
Wed Apr 23, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 16
Views: 1189

Son or Daughter working with Mom or Dad?

One of my kids is coming to the legal age to enter the workforce. I work for a very small less than 15 person engineering firm. I could hire our son to work at my office learning CAD, drawing, engineering, etc., it could be a great opportunity. If I was to guess he will do some kind of engineering b...
by Jay69
Wed Apr 23, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 16
Views: 1189

Re: Electronic sheet music

Ah the good old days. I still have a ton of handwritten music from the band days, lots of good 70's and 80's tunes :wink: . If someone wanted to learn a new tune they had to write out the cheat sheet. Just like an old hand written recipe passed down from grandma, I would just have to scan them in PD...
by Jay69
Tue Apr 22, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Electronic sheet music
Replies: 9
Views: 848

Re: Stopping unwanted "junk" newspaper

Save up 2-3 months worth of papers.

Drive past the newspapers head quarters and look for the nicest car.

Toss news papers in the parking spot of said nicest car with a letter to quit delivery on a post made out of old newspapers.

Rinse and repeat as necessary.
by Jay69
Tue Apr 22, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1896
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