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Re: HSA - must contributions be through employer?

You can definitely make HSA contributions yourself. In addition, you can make contributions for 2014 until April 15, 2015. So you could wait and see if your employer does pull anything out of your remaining 2014 paychecks and then in January make the remaining contribution. Thank you, this is just ...
by bungalow10
Wed Nov 26, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - must contributions be through employer?
Replies: 7
Views: 706

Re: Is there anything unhealthy about drinking tap water?

We have an under-sink filter on our kitchen for our cold water tap. I think our tap water is over chlorinated. We also filter our shower water because of the chlorine smell.

Other than that, I think tap water is great!
by bungalow10
Wed Nov 26, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1080

HSA - must contributions be through employer?

I became eligible for and signed up for a high deductible insurance plan through my employer starting October 1 of this year. I enrolled in the HSA at that time as well, with the understanding that I can contribute 1/4 of the family amount (because I was eligible for 1/4 of the year). Employer benef...
by bungalow10
Wed Nov 26, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - must contributions be through employer?
Replies: 7
Views: 706

Re: Paying my parents a salary not to touch their nest egg

What parents in their right minds would sign up for this?
by bungalow10
Wed Nov 26, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4259

Re: Seeking Boglehead advice on new home

We have a 3BR/2BA and until baby #3 came along my brother lived with us in one of the bedrooms. I really think that you should think about trying to make it work in your current place. Having a lower mortgage payment and walkability could give you some really nice options in the future. Sure, it mig...
by bungalow10
Wed Nov 26, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 13
Views: 1172

Re: Kindle question - online access books

The e-Ink Kindles I'm not sure about. They have or used to have some kind of web browser that was said to be a "beta version." Maybe someone else can say how usable it is. E-ink Kindles do have a browser. It is slow and not good for graphics. If you are accessing a website specifically to...
by bungalow10
Wed Nov 26, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 16
Views: 1028

Re: Kindle question - online access books

I don't buy my books on the device. I buy books from Amazon website on my laptop/desktop and then I direct it on a device - even my Samsung Galaxy Note 3. I don't know on how many devices you can have a book at the same time. I don't think there is a limit. We have many Kindles (five Kindles, two p...
by bungalow10
Tue Nov 25, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 16
Views: 1028

Re: Avoiding lifestyle creep

If you are worried about the kids not going to college, only put enough in the 529 to fund a couple years and put the rest in a taxable account. If one doesn't go, you can transfer their balance to one of the other accounts. Or you can transfer to grandchildren. Or go back to school yourself when y...
by bungalow10
Tue Nov 25, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2789

Re: Kindle question - online access books

The e-Ink Kindles I'm not sure about. They have or used to have some kind of web browser that was said to be a "beta version." Maybe someone else can say how usable it is. E-ink Kindles do have a browser. It is slow and not good for graphics. If you are accessing a website specifically to...
by bungalow10
Tue Nov 25, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 16
Views: 1028

Re: Avoiding lifestyle creep

freebeer wrote:MrMoneyMustache FTW!


So... WWMMMD?
by bungalow10
Tue Nov 25, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2789

Re: Avoiding lifestyle creep

On suggestion DH had was to save a little more aggressively towards our next vehicles. I think that's a good plan, but I'd still like to hear all the suggestions out there - especially since we will probably have the same questions when he starts back to work. ETA: and while I want to save more for ...
by bungalow10
Tue Nov 25, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2789

Avoiding lifestyle creep

I just found out I'm getting an off-cycle raise of $9k. I will probably get another few thousand during our normal raise/merit period in the spring. Yeah for me!! DH is a SAHD. I make a good income. We max out or tax advantaged space (17.5k in 401k, 5.5k in each Roth). We have a nice lifestyle drivi...
by bungalow10
Tue Nov 25, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2789

Re: Dog food - how cheap is too cheap?

Your go-to source for all dog food information is http://www.dogfoodadvisor.com Pedigree is rated very low. If you are near a Costco you will find their Kirkland Signature dog and cat food to be by far the best bang for the buck in premium foods. I have probably saved hundreds buying this food comp...
by bungalow10
Tue Nov 25, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 63
Views: 3915

Re: Kindle question - online access books

The price of the Kindle Paperwhite, by far my favorite e-reader, is down to $79 for a refurbished unit with a 1-year warranty if you wait for a sale. So if you do end up getting an e-reader and a tablet, at least the e-reader is fairly inexpensive (and an incredible value, IMO).
by bungalow10
Tue Nov 25, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 16
Views: 1028

Re: Bogleheads, anyone doing "Black Friday"

It may not seem like fun, but to many people it is. People who are on a tight budget for Christmas are often willing to do a lot of research and get up in the middle of the night to save a few dollars on a doorbuster item. It's like a quest. They map out a sequence of what stores to visit, they bri...
by bungalow10
Mon Nov 24, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 4707

Re: Do you use a phone book?

stevep001 wrote:
Many of the book providers do have a way to opt out.


Nope. I have opted out of all of them, still get them. I stopped the delivery person once and he said they are not given any instructions regarding who has opted out - he's told every house gets one.
by bungalow10
Mon Nov 24, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2094

Re: Bogleheads, anyone doing "Black Friday"

95% of Black Friday "deals" are just smoke and mirrors. Not actual deals at all, just products designed and marketed to capture the frenzy of the day. I bought a refrigerator a few years ago the Monday before Thanksgiving. On Black Friday, the same refrigerator was on sale for $150 more th...
by bungalow10
Mon Nov 24, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 4707

Re: Help: Three Fund Portfolio at Fidelity

If you must hold international at Fido, use the Spartan Global Except US instead of the Spartan Total International because Global contains emerging markets. I was not aware of this, you learn something new everyday. I may open a Vanguard Roth next year to hold my international. is there a reason y...
by bungalow10
Sun Nov 23, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 2998

Re: Tasting Room Wines

to be clear, this is what I don't like Over a fun 10 – 15 minutes, you’ll taste the wines in pairs, indicating which ones you liked. In each pair, it’s possible you’ll like or dislike both — that’s ok, too! It tells us more about you. 15 minutes to taste six wines? That hardly seems like a good way ...
by bungalow10
Fri Nov 21, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1436

Re: Tasting Room Wines

You get the tasting bottles, you let the tasting room know your preferences, then you get 6 bottles or 12 bottles of wines that fit your preferences. The tasting bottles are just to zero in on your wine taste. The Tasting Room will select bottles of wine that closely fit your palette profile. Look ...
by bungalow10
Fri Nov 21, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1436

Re: Tasting Room Wines

The gift item is the tasting bottles to determine your likes. You contact the wine club and they will send 6 bottles that represent your taste. That's it for me as a gift. It will be up to the receiver if they want to continue or cancel. You can cancel at anytime. If the gift is just the tasting bo...
by bungalow10
Fri Nov 21, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1436

Re: Tasting Room Wines

It looks kind of fun. Is the person you would buy it for someone that entertains? I know personally, I really enjoy sharing a bottle of wine (or two) with friends. I would prefer to get full-size bottles.
by bungalow10
Thu Nov 20, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1436

Re: Help: Three Fund Portfolio at Fidelity

retiredjg wrote:
If you must hold international at Fido, use the Spartan Global Except US instead of the Spartan Total International because Global contains emerging markets.


I was not aware of this, you learn something new everyday. I may open a Vanguard Roth next year to hold my international.
by bungalow10
Thu Nov 20, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 2998

Re: Help: Three Fund Portfolio at Fidelity

FSGDX - SPARTAN GLOBAL EX US INDEX FID ADV CL
FSITX - SPARTAN US BOND INDX FIDELITY ADV CLASS
FSTVX - SPRTN TOTAL MKT INDX FID ADVANTAGE CLASS
by bungalow10
Thu Nov 20, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 2998

Re: Tasting Room Wines

Do you not know what you like?

Why not just go to a local tasting room, or a restaurant and order by the glass?
by bungalow10
Thu Nov 20, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1436

Re: Any experience on the 10 year alarm bateries

I change my batteries every year. Remembering is easy, when the time falls back (daylight savings time), I replace the battery. Sure enough, the few alarms I forgot to change started beeping a week after dst and always when I'm sleeping in the early morning hours. :) +1 Just regular Duracells and r...
by bungalow10
Thu Nov 20, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 16
Views: 1076

Re: Winter Coat

lululu wrote:Note that LL Bean thinks all women are short.


As a short woman (5'3"), I have to disagree. LL Bean fits the same as Lands End, Banana Republic, J Crew (which actually probably runs "short" more than others).
by bungalow10
Fri Nov 14, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4460

Re: Does anyone here make "fun" purchases.

I make fun purchases all the time. I usually make myself wait for it because 1. at least 50% of the time, I find the desire for the item has passed and 2. when I find I do still want the item, I really appreciate and have usually put more thought into exactly what I want. It's all about being smart ...
by bungalow10
Fri Nov 14, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6711

Re: Winter Coat

Lands End and J Crew are my favorites for me. I'm replacing a 13 year old J Crew wool double-cloth coat with another JCrew (this time I'm splurging on the Thinsulate) wool plaza coat.

I trust Lands End and LL Bean to keep my little people warm and dry.

FWIW - I'm in WI and female.
by bungalow10
Fri Nov 14, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4460

Re: HDHP and Low Deductible Health Plan Coordination of Bene

I believe that the primary insurance provider would apply all $1000 toward the deductible and pay nothing. When the $1000 bill is passed to the secondary insurance, would $300 be applied to meet the secondary insurance's deductible and $140 of coinsurance (20% of $700) be my additional responsibili...
by bungalow10
Fri Nov 14, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP and Low Deductible Health Plan Coordination of Benefits
Replies: 19
Views: 1810

Re: Help! Need Liquid Cash!

Thank you everyone for advice, 100% agree that it was poor planning. Definitely know that many times these projects run over budget. If I make a minimum payment for only 1 month, and pay it back in full the following month will that reflect in my credit report? Spoke to American Express on phone an...
by bungalow10
Thu Nov 13, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2477

Re: Food Frugality: Where do you draw the line?

^^^^ In Amish areas, there are a good number of surplus grocers that sell organics for a fraction of the mega-supermarket chains. Anyone know of a surplus grocer in an Amish area of Missouri? Google "Amish communities in Missouri". Usually the small towns near the communities will have an...
by bungalow10
Thu Nov 13, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6626

Re: Boglehead family vacations

Even if I lived in FL, I wouldn't go enough to make an annual pass worthwhile (at $675), but it definitely isn't of much use to someone who lives in Illinois. Curious, though, is an annual pass valid for only one person? In other words, if you buy a pass, can you give it to a relative or friend to ...
by bungalow10
Thu Nov 13, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3711

Re: Boglehead family vacations

We always tried to make spring break trips educational. We view our role as parents being in charge of their education, with public schools providing only one piece of the overall plan. We typically went a week one place for spring break. Someone mentioned Washington DC, and that was indeed great f...
by bungalow10
Thu Nov 13, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3711

Re: Help! Need Liquid Cash!

We have an emergency fund, plus we spend the previous month's income. So this month (November) we are spending October paychecks. That keeps us a little ahead and we know that if something comes up this month, we can adjust the December budget to accommodate the cash flow crunch.
by bungalow10
Thu Nov 13, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2477

Re: Boglehead family vacations

For those suggesting camping... Spring Break is a little early in the season to camp in Illinois. I grew up in Iowa and we were avid campers... but even we didn't start until May. Maybe once or twice in April if it was unseasonably warm. March would have been way too cold and wet.
by bungalow10
Thu Nov 13, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3711

Re: Boglehead family vacations

Any recommendations for a planned spring break vacation for 5-7 days with 2 kids? We looked at club med in Florida and Disney cruise and they are real expensive 8-10k (with airfare). You are in IL? What about the Wisconsin Dells? Door County? Apostle Islands? Okoboji? If I were you, I'd road trip i...
by bungalow10
Thu Nov 13, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3711

Re: Your favorite classic toys for kids

I should have also asked what are your favorite companies that make/sell toys? I think Melissa & Doug and Boon make great stuff. I recently bought a wooden puzzle map of the US as a gift through Melissa & Doug. Everyone on Amazon raved about it and it was attractive, and the quality pretty ...
by bungalow10
Wed Nov 12, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4134

Re: Messy baby restaurant etiquette

Laudable, but at this stage in the game, wrong time and wrong place. an 11 month old is not going to be able to eat the full gamut of food, and not going to be able to eat the full variety. There's a method of feeding children called Baby Led Weaning . No special baby foods, no baby food machines. ...
by bungalow10
Wed Nov 12, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4547

Re: History of American mortgages

At one time, women couldn't take out mortgages. Neither could non-married couples.
by bungalow10
Wed Nov 12, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1239

Re: Paying off my 401K loan - Thoughts?

Most 401k loans do not allow you to make extra payments on top of the scheduled payment. You either have to make the scheduled payment or pay the principal remaining in full. Check on this before you go further. Your loan document should provide the answer. +1 I think my employer's program (and thi...
by bungalow10
Wed Nov 12, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off my 401K loan - Thoughts?
Replies: 8
Views: 532

Re: Your favorite classic toys for kids

Erector set, Lionel trains, slot cars, Lincoln logs. And, in the "how on earth?" category: chemistry set and woodburning kit. I'm considering asking my in-laws to buy my 7 year old son a wood burning kit for Christmas. FIL is a woodworker, so he could provide endless scrap wood and maybe ...
by bungalow10
Wed Nov 12, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 4134

Re: Food Frugality: Where do you draw the line?

Just in time for Thanksgiving: An article about obsessive healthy eating: http://online.wsj.com/articles/when-healthy-eating-calls-for-treatment-1415654737 An eating disorder is an eating disorder. Trying to eat healthy food in America today only appears to be an eating disorder. I'd probably kill ...
by bungalow10
Wed Nov 12, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6626

Re: Food Frugality: Where do you draw the line?

Local food co-ops may be a more affordable alternative to Whole Foods. Still more might be more expensive than traditional grocery stores (although I have been shocked recently at the prices in regular grocery stores), but the quality is higher.
by bungalow10
Wed Nov 12, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6626

Re: Which Tablet?

We've been very pleased with the Kindle Fire. The value is high. We had a Lenovo 10" tablet as our first and really enjoyed it, but it wasn't very durable and the cost was higher.

I've yet to come across an iPhone app that doesn't have an equivalent for Android.
by bungalow10
Tue Nov 11, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Which Tablet?
Replies: 24
Views: 1760

Re: Savings rate of -2% for those under 35 - WSJ

Anyone who wished to work with a pension could have pursued it. Nowadays, outside of a small group, you cannot. You keep saying that, but you don't explain why 35% chance at a pension in the private sector in 1995 counts for you as universal access when the current 13% chance doesn't. I think you'r...
by bungalow10
Tue Nov 11, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374

Re: Savings rate of -2% for those under 35 - WSJ

Easier said then done but if my earnings was too low and if I felt that I couldn't get the ends meet, I would sleep in my car, bathe in the gym, sleep in camp sites or something until I figured a way out of it. I knew a guy who lived in his car at a truck stop for a short time. It was a very danger...
by bungalow10
Tue Nov 11, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374

Re: Savings rate of -2% for those under 35 - WSJ

One thing I like to point out to people who complain about millennials or "kids these days"... someone had to raise those kids, and usually that was someone of a previous generation :)
by bungalow10
Tue Nov 11, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374

Re: Savings rate of -2% for those under 35 - WSJ

I'm not quite a millennial (35), but I think I have observed the behaviors that lead to the -2% savings rate. It's the so-called "good debt" that is causing it, at least in my group of $100-200k HHI peers. 1. Education debt, not prioritizing the payoff. 2. Car debt, finding it acceptable ...
by bungalow10
Tue Nov 11, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374

Re: Savings rate of -2% for those under 35 - WSJ

I'm not quite a millennial (35), but I think I have observed the behaviors that lead to the -2% savings rate. It's the so-called "good debt" that is causing it, at least in my group of $100-200k HHI peers. 1. Education debt, not prioritizing the payoff. 2. Car debt, finding it acceptable t...
by bungalow10
Tue Nov 11, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4374
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