Search found 1005 matches

by guitarguy
Thu Jul 30, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 987

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due d...
by guitarguy
Thu Jul 30, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 18
Views: 1244

Re: Which debt to work on next?

Enjoy a sweet vacation.

Then the school loan.

But that's just me. :beer
by guitarguy
Thu Jul 30, 2015 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 987

Re: Newborn Health Insurance Questions

"Would it make sense even in the slightest to switch to this higher premium plan for the year the baby is born?" It may, but you need to look at more than just the deductibles and premiums. Kids see the doctor A LOT during their first two to three years of life; so co-pay, co-insurance, a...
by guitarguy
Thu Jul 30, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 987

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due d...
by guitarguy
Thu Jul 30, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 987

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due d...
by guitarguy
Thu Jul 30, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 987

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due da...
by guitarguy
Thu Jul 30, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 46
Views: 3295

Re: Priorities

Great post. First off, glad you are OK! I agree about many on here being too "obsessed"..but what can you expect in a financial forum. Overall I appreciate the crap out of this forum...there is just so much information here. I try not to obsess about our finances. I must admit I do sort of...
by guitarguy
Thu Jul 30, 2015 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 78
Views: 4541

Re: Who are you able to share good financial news with?

Spouse. My brother, if he asks...usually not specific numbers.

Raises and such...non specific numbers...a few close friends could be added to that list. If someone gets a promotion or a raise or bonus or something good we may go out to celebrate...don't really discuss specifics though.
by guitarguy
Wed Jul 29, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5449

Re: Where do you keep/park your emergency fund?

I read the wiki on using Roth as an emergency fund too, and it seems like a smart option. And then over time as we save more we could "convert" her Roth IRA, or portions of it, into our AA territory and out of our e-fund territory. Anyone else use this type of approach?? I think that eith...
by guitarguy
Wed Jul 29, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 53
Views: 5449

Re: Where do you keep/park your emergency fund?

This thread has really got me thinking... Wife and I have been comfortable with $10k in an online savings acct earning 1% for some time. Recently, with a baby on the way and socking away her paychecks, we decided to up that to $15k which is about 5 months worth of expenses for us. That's a lot of ca...
by guitarguy
Tue Jul 28, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: A couple questions Re: Term Life Insurance
Replies: 10
Views: 915

Re: A couple questions Re: Term Life Insurance

Thanks for the info. I feel the same, that we'll be in pretty good shape with a 20 year plan. We'll probably go with that. One other question: when actually buying/applying, does it cost more to go through a broker rather than, say, get rate quotes from term4sale and just call the company of our cho...
by guitarguy
Tue Jul 28, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 3013

Re: Easy lunch brownbag ideas

Tasty lunch option for a big appetite is a "hummus boat" (a sort of Levantine layer dip, ripped off of the Lebanese lunch counter in my college town) Bottom layer: lots o' hummus (preferably super-garlicky and well-pureed, you want it to flow, not mound) Next: tabbouleh or some form of mi...
by guitarguy
Tue Jul 28, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: A couple questions Re: Term Life Insurance
Replies: 10
Views: 915

Re: A couple questions Re: Term Life Insurance

Thanks very much to all for the good informative replies. Based on using a few different calculators online, looking up my wife's and my SSA survivor benefits, potential college expenses, etc, we think that $1MM for me and $500k for her are pretty much right on the money as far as amounts go. Term A...
by guitarguy
Tue Jul 28, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: A couple questions Re: Term Life Insurance
Replies: 10
Views: 915

Re: A couple questions Re: Term Life Insurance

Go with the longer term. You can always stop paying the premium and let it lapse after 20 years if you really don't need it, but it will be much harder and more expensive to purchase additional insurance down the road if you determine you do need it. How far along is your wife? Most insurance compa...
by guitarguy
Mon Jul 27, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: A couple questions Re: Term Life Insurance
Replies: 10
Views: 915

A couple questions Re: Term Life Insurance

Hi All, Wife is pregnant with our first, and we want to shop around and lock in a term life plan. She's 29, I'm 30. Both healthy non (and never) smokers...so hoping premiums won't be too high. I'm mainly curious about 2 things: term length, and amount. I plan on investigating rates on term4sale.com ...
by guitarguy
Thu Jul 23, 2015 6:08 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

A few things: 2) I think the diaper genie is a relatively small cost. You could always just use a garbage can though. I agree. $16 on Amazon for a three-pack of refills was a marginal expense in the greater scheme of things. http://www.amazon.com/Playtex-Diaper-Genie-Refill-count/dp/B009TJ3J60/ref=...
by guitarguy
Wed Jul 22, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10596

Re: How do people afford children with a SAHS?

Yes, there are slums in Texas. Lewisville = LISD and the two houses in Frisco are the slums. Frisco is EXTREMELY expensive to live in. So yes, Revos found 10 houses that are in great school districts. All the other variable costs associated with the houses mean nothing apparently :confused I know t...
by guitarguy
Wed Jul 22, 2015 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10596

Re: How do people afford children with a SAHS?

guitarguy, my wife and me are almost in the same situation are similar income levels to what you mention, fast forward about 2 years. One thing to be aware of which we didn't necessarily consider are the tax consequences. With new babies (twins) planning for taxes was the furthest thing from my min...
by guitarguy
Wed Jul 22, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10596

Re: How do people afford children with a SAHS?

I'll eat crow on the "older than 2000" comment, the point was the cost added from being energy efficient/ replacing all the appliances/AC/etc in the house. I got your point. But to play devil's advocate, those costs aren't necessarily on you. Appliances (talking kitchen, washer / dryer, e...
by guitarguy
Wed Jul 22, 2015 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10596

Re: How do people afford children with a SAHS?

Haven't read through all the posts but, Wife is pregnant with our first...expecting in January. When we found out, we decided to start living off my income alone and banking hers. She plans to be a SAHM aside from working maybe 1-2 days a week by choice so we can have a few extra bucks coming in to ...
by guitarguy
Wed Jul 22, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Reusable baby food pouches. Seriously, baby food is a total ripoff. The foods that babies eat (peas, carrots, etc.) are around $1 per pound if purchased whole. Now add up the price of some baby food pouches and see what you're paying per pound. It's especially exorbitant because they're not exactly...
by guitarguy
Wed Jul 22, 2015 6:26 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

We aren't at the point yet where he has solid poop and would need to use the toilet, but I've heard that there are liners which can be bought for that situation. This is what the wife is preaching also. The kid she babysits for every now and then uses these and she says it's not so bad because the ...
by guitarguy
Mon Jul 20, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3296

Re: Tipping at pay-first restaurants: what would you do?

I don't tip in these situations either. [OT comments removed by admin LadyGeek] You should have quit after your first line. The rest is offensive. It's not only offensive. The statement is also ignorant. These folks are valuable to the economy - they have a paying job - some folks can't afford or l...
by guitarguy
Mon Jul 20, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Tipping at pay-first restaurants: what would you do?
Replies: 35
Views: 3296

Re: Tipping at pay-first restaurants: what would you do?

I don't tip in these situations either. [OT comments removed by admin LadyGeek] You should have quit after your first line. The rest is offensive. It's not only offensive. The statement is also ignorant. These folks are valuable to the economy - they have a paying job - some folks can't afford or l...
by guitarguy
Mon Jul 20, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8518

Re: Wedding Receiption

Re: open bar...I would guess that nearly 100% of the time the bride/groom make out way ahead even after paying for an open bar with top shelf booze for 200 ppl. My wife and I came out well ahead. With the average cost of a wedding being in the neighborhood of $28k these days, you think 100% of brid...
by guitarguy
Mon Jul 20, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

First of all, thank you all for such thought out replies! I was away from the forum all weekend and look back to see that so many of you have posted lots of great advice!! :beer Advice: A rocking chair will be your friend. If not a rocking chair, then an electronic swing. There will be times when on...
by guitarguy
Mon Jul 20, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8518

Re: Wedding Receiption

who wants everyone to get sloshed at the wedding! I'd think most people would... Not me. I fail to see the appeal of a bunch of drunks staggering around, doing stuff that would embarrass them when they were sober. Ha...I find this funny. But I guess it all depends on what circle you run in. In my c...
by guitarguy
Fri Jul 17, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

I don't like the idea of using a dresser top as a changing table. Changing tables are pretty inexpensive, after all, they aren't made of solid wood, or intended as fine furniture. The safety angle is the important part; the top is designed so to be recessed on all sides to prevent baby from rolling...
by guitarguy
Fri Jul 17, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

Re the cost concerns...we're very lucky to have family already planning a rather large baby shower. I'm sure there will be a few odds and ends we may want/need to buy on our own...but we're "expecting" to get the majority of this crap via the shower. But...we absolutely wouldn't be opposed...
by guitarguy
Fri Jul 17, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 82
Views: 4523

Baby on the way...yay! Big ticket items, and what do you REALLY need?

Hi All, SOOOOO excited about our little bundle of joy scheduled to arrive on my birthday ( :sharebeer ) this January. Wanted to pick everyone's brain about a couple "big ticket" (or sort of "big decision") items. 1. The crib. We've already decided we're not going the super duper ...
by guitarguy
Fri May 22, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3329

Re: Penfed 0.99% auto loan

Penfed has a sale on their 4 year new (2014-15) car auto loan at 0.99% through Memorial Day. Interesting, the 3 year term is still 1.49%. Not a member of Penfed but I have heard they are strict in their lending decisions. What credit score is needed for that rate? Would they allow cash out refinanc...
by guitarguy
Fri May 22, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3329

Re: Penfed 0.99% auto loan

abugarcias wrote:I have had 3 penfed loans over the years, all required $500 deductible but I've always kept it at $1,000 and they've never said anything.


^ This. My deductible is still $1000 also.
by guitarguy
Fri May 22, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2253

Re: ATT next plan - prepayment quandary

The "$199 iPhone" scam exposed by the NY Times: http://www.nytimes.com/2014/09/28/technology/199-apple-iphone-6-is-fiction-if-not-fantasy.html?_r=0 And its actual cost exposed by ZDNet: http://www.zdnet.com/article/how-much-does-an-iphone-6-really-cost-hint-its-way-more-than-199/ On AT+T:...
by guitarguy
Wed May 20, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1920

Re: Maybe I shouldn't buy a house?

I love my house. I like working on it and building things, sitting out on the patio, tinkering in the garage, and playing fetch with my dog in my own yard. I LOVE the location, we got a good reasonable deal and rate, and on and on. I'm happy here. You, OP, on the other hand...want flexibility, alrea...
by guitarguy
Wed May 20, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2253

Re: ATT next plan - prepayment quandary

My wife and I paid $11 each for our iPhone 5Ss with a 2-yr contract and trade in of our crappy old slow 4S phones. They would've had to literally cut our bill in half to even it out...which I don't see happening. You paid $11 up front, but look back at my previous post to see how much extra you pai...
by guitarguy
Tue May 19, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2253

Re: ATT next plan - prepayment quandary

My wife and I paid $11 each for our iPhone 5Ss with a 2-yr contract and trade in of our crappy old slow 4S phones. They would've had to literally cut our bill in half to even it out...which I don't see happening. You paid $11 up front, but look back at my previous post to see how much extra you pai...
by guitarguy
Mon May 18, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2253

Re: ATT next plan - prepayment quandary

We have ATT and have a combined bill. Don't have, and never will have, ATT next. Unless I'm missing something, you get out of the contract...but pay FULL PRICE for the phone!!!?? Lock me in for 2 years...and give me a nice new smartphone phone for next to nothing, please. Edit: Also...why the rush ...
by guitarguy
Fri May 15, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2253

Re: ATT next plan - prepayment quandary

We have ATT and have a combined bill. Don't have, and never will have, ATT next. Unless I'm missing something, you get out of the contract...but pay FULL PRICE for the phone!!!?? Lock me in for 2 years...and give me a nice new smartphone phone for next to nothing, please. Edit: Also...why the rush t...
by guitarguy
Fri May 15, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2624

Re: Free if you sign up (Home Depot card)

The Home Depot credit card is solid...5% instant cash back on anything you buy with it. Adds up significantly if you're always building stuff and working on projects around the house like I am.

Edit: I didn't sign up for the free bonus you get...
by guitarguy
Thu Apr 30, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 3166

Re: Backyard patio - should I invest?

Here in SE Michigan that quote is very high also.

We had 750 sqft, about 500 of which was stained/stamped concrete with the remaining portion a section of regular driveway concrete) done for $4500.
by guitarguy
Thu Apr 23, 2015 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 769

Re: Mortgage Transfer May 1st - Payment??

I called BoA and they clarified that I should make my payment to them THROUGH the first. I will probably just make it on the 29th or 30th just to be safe. Starting May 2nd I will be sending payments to Nationstar. I hope they make it as easy as BoA to apply a bit extra to principal each month. This ...
by guitarguy
Wed Apr 22, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 769

Mortgage Transfer May 1st - Payment??

I know this is quite common, but we have yet to go through it, so I'm wondering if there's anything I need to do differently here... Our mortgage is being transferred from BoA to another company (Nationstar Mortgage...whomever they are) on May 1st. From what I read there isn't anything we need to do...
by guitarguy
Mon Feb 16, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8537

Re: How much was your Tax Refund (or amount DUE)

We get back around $2k every year from Federal, and about $100 from state. We have them withhold extra because my self side income varies year to year significantly and I don't want to owe anything. We choose to just get a larger portion back and stick it in one of our savings accounts. I guess we'r...
by guitarguy
Fri Jan 30, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2061

Re: Financial Considerations for Infertility Treatments

This was 14 years ago, actually longer but here are some other things to think about which only indirectly address your original questions. We started with individual treatments/cycles. After going through and paying for the first two one at a time, we went with a plan that offered 3 cycles and a 9...
by guitarguy
Wed Jan 28, 2015 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2061

Re: Financial Considerations for Infertility Treatments

We were able to schedule and max out our pretax plan at work. Scheduled the procedure the first month of the pretax period so effectively got an immediate loan with a negative interest rate based on our tax bracket. Could you elaborate? Did you just write a check Jan 2nd for your full HSA maximum c...
by guitarguy
Wed Jan 28, 2015 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2061

Re: Financial Considerations for Infertility Treatments

Also do keep in mind the risk for twins or triplets with these procedures. Aside from the risks associated with multiples, DW and I would really be excited to have twins. Aside from the 2-for-1 deal ( :mrgreen: ) we just think it would be so fun. Sure it would likely be hectic and expensive, but at...
by guitarguy
Wed Jan 28, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2061

Re: Financial Considerations for Infertility Treatments

My insurance policy also explicitly says it does not cover any assisted reproductive technology and procedures. But they still paid for all the drugs, blood tests, and ultrasounds during our four IUI procedures, which was the bulk of the cost. The only thing they didn't pay for were the actual IUI ...
by guitarguy
Tue Jan 27, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2061

Re: Financial Considerations for Infertility Treatments

Have you checked with your insurance to make sure that you aren't covered for fertility treatments? Yes, and they are not covered. One thing to check into is if the diagnostic testing is covered by insurance. With my wife's insurance they covered all the testing to determine what the problem was bu...
by guitarguy
Tue Jan 27, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2061

Financial Considerations for Infertility Treatments

Hi all, Long story (slightly) short(er), my wife and I have been trying to have children for some time, and we've decided to seek council and treatment from a fertility specialist. After numerous tests and procedures through her standard OB and my urologist that have been covered by insurance (diagn...
by guitarguy
Fri Jan 23, 2015 7:04 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate % savings
Replies: 9
Views: 804

Re: How to calculate % savings

Want to compare to your neighbor? you'll have to ask him how he's doing it. Haha! Not interested in this one! In fact, if I gambled, I'd bet we're at a higher percentage than the Joneses in our neighborhood regardless of how you calculated. Unless of course we have Bogleheads in the neighborhood......

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