Search found 48 matches

Return to advanced search

Re: Breastfeeding and baby formula

On 4), has your wife been to a lactation consultant? They would have better advice on supply increasing. (Is this medical advice? Is so, mods feel free to remove). shorvath, what you've offered is not medical advice; it's merely a suggestion about where OP and DW might get good advice re her situat...
by bogleraw
Mon Jun 30, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1374

Re: Breastfeeding and baby formula

DW and I greatly appreciate all the replies so far and look forward to reading more responses from other parents. DW was relieved to learn that the powder isn't as much as a pain as she thought it would be :) I will explore all options and post back once we settle down with the option that works bes...
by bogleraw
Mon Jun 30, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1374

Breastfeeding and baby formula

Hi all, My wife is having trouble pumping sufficient breast milk each day to satisfy our newborn's needs. As a result, we're going to have to supplement with formula. A few questions for the crowd, particularly new parents: 1) What is the cheapest way to get Enfamil / Similac liquid formula? I'm won...
by bogleraw
Mon Jun 30, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1374

Re: switching from FSA to HSA mid year

*bump* as I am in a similar situation. Hopefully, someone has suggestions!
by bogleraw
Thu May 15, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching from FSA to HSA mid year
Replies: 2
Views: 268

Re: Wife's new 401k plan contribution limit

You could put money into an HSA if available. She could use a Roth 401k to effectively get more money into the 401k, if available and your tax situation. We have already been maxing out our HSA's too. Interesting thought about the Roth401k. She DOES have that option available to her, but her 401k r...
by bogleraw
Wed May 14, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1158

Re: Wife's new 401k plan contribution limit

You could put money into an HSA if available. She could use a Roth 401k to effectively get more money into the 401k, if available and your tax situation. We have already been maxing out our HSA's too. Interesting thought about the Roth401k. She DOES have that option available to her, but her 401k r...
by bogleraw
Tue May 13, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1158

Wife's new 401k plan contribution limit

Hi all, Thanks to the advice we have received on this site, my wife and I have been contributing the IRS limit ($17500 pre-tax) for each of us + $5500 for each of our Roth IRA's since 2012. This year, my wife had been contributing diligently to the 401k in the job she just left and was on track to m...
by bogleraw
Tue May 13, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1158

Re: Verizon to Page Plus - documenting my experience

Glad to hear this helped! We switched 4 months ago and so far so good with Pageplus. I use Pincheap.com to get $80 refills for $74 on each phone. If anybody has cheaper sources, please share :) Thanks to Bogleheads for helping me save money and make the change from Verizon to Page Plus. I've made th...
by bogleraw
Wed Mar 12, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 9089

Re: Tax question in TaxAct

With Taxact, even if you plan to efile you can use the "Print return" option to get pdf versions of the completed federal/state returns to look at line numbers etc.
by bogleraw
Wed Mar 12, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question in TaxAct
Replies: 10
Views: 449

Re: Taxact schedule A question

montesquieu wrote:Take a look at the Schedule A instructions, page A-3.

My guess is the $32 is the mandatory contribution to the NY worker's compensation fund.


You are right :) Just got an email from Taxact CSR who confirmed the same thing.

Thanks a lot!
by bogleraw
Mon Mar 03, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxact schedule A question
Replies: 4
Views: 164

Re: Taxact schedule A question

HueyLD wrote:Did you pay $32 in 2013 for year 2012 state tax balance due?


Don't think so - I got a refund from NY state in 2012.
by bogleraw
Mon Mar 03, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxact schedule A question
Replies: 4
Views: 164

Taxact schedule A question

I'm using Taxact Ultimate for the first time this year (switched from Turbotax). I answered all the questions online and printed my returns so I could look at the PDFs it generated before I eFile. One thing I am not able to figure out is why the "State and local income taxes" under Schedul...
by bogleraw
Mon Mar 03, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxact schedule A question
Replies: 4
Views: 164

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

Not sure if this might be of any help, but might be worth looking into??
https://www.ftccomplaintassistant.gov/#&panel1-1
by bogleraw
Thu Jan 30, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1972

Re: New Amica discounts available

Does anybody have any experience comparing quotes from Amica with one from Geico? I've got Geico for auto + associated home policy (Travelers). Wondering if it is worth checking out Amica.
by bogleraw
Fri Jan 24, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2807

Re: Credit Card Bonuses

I did the $400 Chase Sapphire last January and just did the $400 Barclay card offer last month. Agreed, needs to be $400+ for me in cash or statement credits. If I waited for a $400 card, I'd be waiting forever. You and THY4373 are indeed very special individual. I just started playing the game and...
by bogleraw
Tue Dec 31, 2013 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4397

Re: Help with creating a website to track costs

Hi Sunnyday, sending you a PM!
by bogleraw
Mon Dec 09, 2013 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Help with creating a website to track costs
Replies: 2
Views: 242

Help with creating a website to track costs

Hello, As a soon-to-be first time Dad, I recently went through the time consuming task of figuring out expected costs of pregnancy and making the right health insurance choice for us during open enrollment. I have learned much from this forum of bright people and this time I would like to get advice...
by bogleraw
Mon Dec 09, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: Help with creating a website to track costs
Replies: 2
Views: 242

Re: Pregnant wife's healthcare option selection

I kept digging a little more on the "husband having HDHP+HSA while wife has PPO+FSA" issue that was brought up earlier in this thread and found: http://www.watsonwyatt.com/us/pubs/insider/showarticle.asp?ArticleID=14756 It looks like IRS Revenue Ruling 2005-25 ( http://www.irs.gov/pub/irs-...
by bogleraw
Fri Nov 15, 2013 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1515

Re: Pregnant wife's healthcare option selection

It is not clear to me why I cannot contribute to an HSA through my health plan if she opens an FSA through her plan. We will both have separate plans (me the HDHP through my employer and her the FSA with her employer if she goes with the GOLD option). So why the restriction? Because her FSA covers ...
by bogleraw
Thu Nov 14, 2013 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1515

Re: Pregnant wife's healthcare option selection

Note that if your wife funds an FSA, it automatically covers you, making you ineligible for an HSA contribution. That means you need to weigh the tax benefits of the HSA, which I don't see factored in here. Weigh a couple of options: ⋅ Wife on your plan ⋅ Child on your plan, wif...
by bogleraw
Thu Nov 14, 2013 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1515

Re: Pregnant wife's healthcare option selection

Approaching a 100 views and not a single reply :( Could someone please, pretty please, help?

Thanks!
Bogleraw
by bogleraw
Thu Nov 14, 2013 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1515

Re: Signing up for health care

Hello OP,

You may find this website useful: http://www.thehealthsherpa.com/

It was built in a few nights by 3 twenty-year-olds in silicon valley. Amazing! You can read more about them here:
http://www.cnn.com/2013/11/11/tech/web/ ... care-site/

Best wishes,
Bogleraw
by bogleraw
Thu Nov 14, 2013 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 26222

Pregnant wife's healthcare option selection

Hello all, We're expecting our first little one at the end of May'14 and we're both thrilled! :sharebeer Both of us are going through annual enrollment. By the end of 2013, we will have maxed out each of our HSA for 2012 and 2013. As I continue to be in good health, I plan to stick with my HDHP opti...
by bogleraw
Thu Nov 14, 2013 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife's healthcare option selection
Replies: 23
Views: 1515

Re: getting that in-person interview

My suggestion would be to ignore company A for now and put all your effort towards nailing the interview with company B, so you could have more options to consider in another couple of weeks :)

Best of luck! You'll do great!
by bogleraw
Mon Nov 04, 2013 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting that in-person interview
Replies: 18
Views: 1578

Re: Verizon to Page Plus - documenting my experience

Have you felt any any significant changes in response time on the 3G vs 4G network? I presume you don't watch movies or play online games, as I don't. I'm planning to switch too and would like to hear some real world experience. I certainly felt the reduction in speed from 4G to 3G, but it's not un...
by bogleraw
Tue Oct 29, 2013 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 9089

Verizon to Page Plus - documenting my experience

Like myself, I'm sure there are many people who are coming off contracts with Verizon and want a cheaper alternative. I am documenting my experience with making the switch from Verizon (VZ) to Page Plus Cellular (PPC) so it can help others. It was a 4 step process that basically took about 24 hours,...
by bogleraw
Tue Oct 29, 2013 7:40 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 64
Views: 9089

Re: Help us with getting started with I-bonds

I just opened up TreasuryDirect accounts for my wife. Is that two accounts, three accounts, or more? Most people have one, unless they have a trust with an account, so that could be considered two (although the Treasury Department considers them two separate accounts for two separate "people&q...
by bogleraw
Thu Oct 17, 2013 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help us with getting started with I-bonds
Replies: 11
Views: 756

Help us with getting started with I-bonds

Hi all, I have about $14k sitting in a savings account that is part of my emergency fund. I've read about using I-bonds as an emergency fund, so I just opened up TreasuryDirect accounts for my wife and I. However, I'm not sure about the best way to transition to doing this. Questions: 1) Should I si...
by bogleraw
Thu Oct 17, 2013 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help us with getting started with I-bonds
Replies: 11
Views: 756

Re: Wall Street Journal recommends Boglehead Forum.

To Taylor, Rick and other contributors on this forum, thank you all for your time and effort! :sharebeer
by bogleraw
Fri Sep 06, 2013 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Journal recommends Boglehead Forum.
Replies: 6
Views: 956

Re: Selling home, can I postpone a mortgage payment?

Our mortgage servicing company is Wells Fargo. Although our mortgage is due on the 1st of each month, we have until the 16th of each month to pay without penalty. I use the grace period quite frequently and it has had no impact on our credit scores - at least nothing observed on creditkarma.com.
by bogleraw
Thu Jul 25, 2013 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling home, can I postpone a mortgage payment?
Replies: 6
Views: 614

Re: How to get over finance envy

I suggest that you guys take a small vacation to a place like Mumbai. Make sure you have a good time but take the opportunity to visit the Dharavi district. Although it is one of the largest slums in Asia, you see hundreds of happy kids playing cricket on the streets and people with smiles on their ...
by bogleraw
Tue Jul 09, 2013 6:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 18026

Re: Asset Allocation Across Companies (Fidelity, Vanguard, e

We have our stocks spread across mutliple companies. Bonds are only in my 401k, so I rebalance by only changing the % of bonds in that account.
by bogleraw
Thu May 23, 2013 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Across Companies (Fidelity, Vanguard, etc.)
Replies: 7
Views: 622

Re: When is the best time to buy an airplane ticket?

Bing has a fare forecaster called Farecast that crunches past fares in an attempt to predict prices on selected flights in the future. Bing Travel analyzes millions of round-trip flight itineraries daily and intelligently filters airfare data to reveal the best prices and deals. The Bing Travel Pri...
by bogleraw
Fri Mar 01, 2013 7:36 am
 
Forum: Personal Consumer Issues
Topic: When is the best time to buy an airplane ticket?
Replies: 17
Views: 1393

Re: Should I move from upstate NY to Los Angeles, CA?

Hello all, My wife and I are both very grateful to everyone who replied and we have been reviewing the responses over and over again. This opportunity has consumed our thoughts over the past couple of days. One thing I forgot to mention in my original post is that my wife (then girlfriend) worked in...
by bogleraw
Tue Jan 01, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 4640

Should I move from upstate NY to Los Angeles, CA?

Hello, I've found plenty of sage advice here on getting our personal finances in order and as of November, we've been well on our way as we started maxing out both 401k's, Roth IRAs and HSA's. Today, I'm asking for more advice on whether I should consider moving out of upstate NY to the Los Angeles ...
by bogleraw
Sun Dec 30, 2012 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 4640

Re: Pregnancy and HSA

Hello all, I just spoke with Optumhealthbank and confirmed that we can do the following: 1) We can fully fund his HSA for 2012 with post-tax dollars (claim when filing taxes) and contribute to his HSA through payroll deductions in 2013. 2) We can fully fund her HSA for 2012 with post-tax dollars (cl...
by bogleraw
Fri Nov 09, 2012 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnancy and HSA
Replies: 21
Views: 2969

Re: Pregnancy and HSA

Thank you bungalow10 and porcupine for bringing the 12-month testing period to my attention. Goes to show how ignorant I have been about this. I will investigate further and repost once things are clearer regarding contributions to wife's HSA and switching from HDHP to PPO.
by bogleraw
Thu Nov 08, 2012 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnancy and HSA
Replies: 21
Views: 2969

Re: Pregnancy and HSA

Thank you all! Your responses have helped us tremendously! After reading all the responses and doing some more investigation on each of our plans, we plan to do the following: 1) I will continue to stay with the HDHP plan. I will fund HSA with $3100 post-tax dollars and claim it when we file our tax...
by bogleraw
Thu Nov 08, 2012 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Pregnancy and HSA
Replies: 21
Views: 2969

Pregnancy and HSA

Hello all, I'm looking for some guidance on contributions to HSA's and how they may be used to minimize out of pocket costs when my wife is pregnant. We plan to start a family in 2013. We are both under HDHP insurance plans provided by our respective employers and both plans allow contributions to H...
by bogleraw
Wed Nov 07, 2012 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pregnancy and HSA
Replies: 21
Views: 2969

Re: Sickening Quicken...

Also look at Fidelity's Full View. I use both FV and Mint and so far I have had no issues with FV. Mint loses contact with accounts periodically, but I still like its interface more than FV.
by bogleraw
Tue Nov 06, 2012 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Sickening Quicken...
Replies: 41
Views: 3975

No closing costs refinance in upstate New York

Hello, I'm curious if anybody has had a successful no closing cost refinance in New York state (not including NYC), particularly with Penfed's 5/5 ARM. I plan to look into a Penfed 5/5 refinance this weekend, but given that there have been several posts about long delays with them, I'm not counting ...
by bogleraw
Wed Sep 12, 2012 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: No closing costs refinance in upstate New York
Replies: 0
Views: 192

Re: Free business/finance ebooks

Coursera has a free course on intro. to finance that just started this week. It also has a link to a free e-book on corporate finance. The course so far is awesome! :)

www.coursera.org
by bogleraw
Fri Jul 27, 2012 10:57 am
 
Forum: Personal Consumer Issues
Topic: Free business/finance ebooks
Replies: 13
Views: 1268

Re: Is free TV (with rabbit ears) a lot better these days?

We have used the Mohu Leaf (http://www.gomohu.com - regular $37 version works just fine) with our 55" HDTV for the past year and we have no complaints. We get FOX, PBS, NBC, CBS, ABC, weather stations - more than enough to keep us entertained after work.
by bogleraw
Thu Jul 19, 2012 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Is free TV (with rabbit ears) a lot better these days?
Replies: 38
Views: 4097

Re: Vanguard website, how to download transactions

I had this issue a while ago too. If you go to "Accounts & Activity" of one of your accounts, then in the top right corner of the page between the 2 gray bars, you will see "Print this page" and under that you will see "Download transactions". I also found it to be ...
by bogleraw
Fri Jun 29, 2012 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard website, how to download transactions
Replies: 9
Views: 680

Re: Please help with simplifying our portfolio

Ruralavalon, Duckie, bdpb: Thank you all so much for taking time out of your busy schedules to respond to my post with such detailed replies. I've spent all morning trying to digest all of your suggestions and have come up with the following plan: 1) This morning, I moved the rollover IRA and Roth I...
by bogleraw
Thu Jun 28, 2012 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with simplifying our portfolio
Replies: 5
Views: 1051

Please help with simplifying our portfolio

Hello all, My wife and I feel fortunate to have recently discovered this forum and the Boglehead philosophy that you all strive to follow. My objective with this post is to describe what’s keeping me up at night, share our portfolio and then get feedback on how to simplify it (and more importantly, ...
by bogleraw
Wed Jun 27, 2012 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with simplifying our portfolio
Replies: 5
Views: 1051

Re: Refinance advice

OK, I didn't hear back from anyone, but I thought I should post what we concluded to be our best option. Just contacted Wells Fargo, and they confirmed that they will allow us to recast our mortgage for $250 and no other fees. So, no need to refinance. Since we have been paying down our mortgage qui...
by bogleraw
Tue Jun 12, 2012 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance advice
Replies: 6
Views: 722

Refinance advice

Hello, I'm looking for some refinance advice. Current loan summary: 15 year fixed, 3.375% with escrow secured with Wells Fargo on 8/1/2011 in Upstate NY. House value = $353,900 Original loan amount = $283,120 Current loan amount = $244,000 Current monthly payment = $2700 (about 40% of our monthly in...
by bogleraw
Mon Jun 11, 2012 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance advice
Replies: 6
Views: 722

Return to advanced search