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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
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: 7436

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
Fri Jan 30, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1824

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 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1824

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 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1824

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
Wed Jan 28, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1824

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 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1824

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
Tue Jan 27, 2015 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1824

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......
by guitarguy
Fri Jan 23, 2015 7:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate % savings
Replies: 9
Views: 756

How to calculate % savings

Ok...this might be a dumb question...but I will ask anyway! How does one calculate their total percent savings? Tax deferred savings as a percentage of gross income is easy...but when you throw in Roth contributions your savings rate as a % of gross income becomes trickier. How does one handle that?...
by guitarguy
Thu Jan 22, 2015 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate % savings
Replies: 9
Views: 756

Re: When is cash still king?

So with all the cash back credit cards out there, I'm wondering when it is still smart to pay with good ole cash. There don't seem to be too many! Gas, groceries, home improvement stores...you can easily get 5% back or more on these with credit cards. Department stores and most other places in gene...
by guitarguy
Thu Jan 22, 2015 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2852

Re: What age did you hit $100,000?

29, just a few months ago.

Still dealing with mortgage, a bit of student loan debt, and a small portion of car loan left...but every month with extra payments on debt and money added to savings...net worth goes up. :happy
by guitarguy
Wed Jan 21, 2015 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6103

When is cash still king?

So with all the cash back credit cards out there, I'm wondering when it is still smart to pay with good ole cash. There don't seem to be too many! Gas, groceries, home improvement stores...you can easily get 5% back or more on these with credit cards. Department stores and most other places in gener...
by guitarguy
Wed Jan 21, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2852

Re: This topic is causing stress in marriage we need some he

I will ignore the some of the bickering and shots being taken at one another (after all we're arguing based on so many assumptions here...can't we all just get along? :wink: ). OP - this forum is filled with people who are very into financial planning..."you should've been prepared" is the...
by guitarguy
Fri Jan 16, 2015 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7665

Re: cat water fountain

We have had this for our dogs for quite a while and it works great, although it's a bit heavy to set up when filling: http://www.amazon.com/Petmate-Replenish-Waterer-Microban-4-Gallon/dp/B0057LAGGU/ref=sr_1_6?ie=UTF8&qid=1421428219&sr=8-6&keywords=replendish When our dog found a <5 week ...
by guitarguy
Fri Jan 16, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4845

Re: Wedding Anniversary in Cape Cod

If you have an SUV, i can't recommend this enough. http://www.nps.gov/caco/cape-cod-national-seashore-oversand-beach-driving.htm By far my favorite summer activity in New England. Trade a mile walk from your car to sit 5 feet from other tourists, to having the entire beach to yourself, with stocked...
by guitarguy
Fri Jan 16, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Wedding Anniversary in Cape Cod

Yarmouth to Provincetown will take you about one hour driving. Already mapped it! An hour ish should be too bad. Plus we'll be stopping on the way in Wellfleet and Truro so it won't even be an hour straight. Just gotta figure out logistics in Ptown. I assume they have day parking somewhere, hopeful...
by guitarguy
Fri Jan 16, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Wedding Anniversary in Cape Cod

Most things on the cape don't require advance booking, unless you plan to take your car on a ferry. You can be spontaneous. Especially if you are going in May. Until Memorial Day weekend the cape will be quite empty. Thanks for the info! Maybe we'll jump on that whale watch if we decide on it last ...
by guitarguy
Fri Jan 16, 2015 9:56 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Wedding Anniversary in Cape Cod

Thanks so much for all the info everyone! So far we have on our list (in no particular order): - Day trip to Nantucket via high speed ferry, bike rentals and explore the island, shipwreck and whaling museums, lobstah rolls from Something Natural for a beach picnic - Day trip to explore National Seas...
by guitarguy
Fri Jan 16, 2015 7:55 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Notice: we're closing your credit card account

Thanks for all the info everyone. This is my oldest account, so I was a little concerned...but certainly not a crushing worry on my mind either. :happy Maybe I'll take a few mins to call the bank and ask if they can keep it open. We have 2 cards that are basically our emergency cards...they don't re...
by guitarguy
Thu Jan 15, 2015 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Notice: we're closing your credit card account
Replies: 11
Views: 2356

Notice: we're closing your credit card account

So I have a credit card that's been open for a while that we don't really use anymore. I got a notice in the mail that says they're going to close the account for inactivity, etc. Will this (negatively) affect my credit score? They said I could call to discuss if needed...so hopefully if it will be ...
by guitarguy
Tue Jan 13, 2015 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice: we're closing your credit card account
Replies: 11
Views: 2356

Re: Wedding Anniversary in Cape Cod

We're shooting for a place in West/South Yarmouth...right on the beach just east of the Parkers River. For a special anniversary dinner I'd highly recommend Ocean House in Dennisport , call ahead and request a table by the window ; if you go North from where you are and pick up Rte. 28 East you'll ...
by guitarguy
Fri Jan 09, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Wedding Anniversary in Cape Cod

Yarmouth is a great choice !! Have fun !! PS : Google "Cape Cod and Nantucket Sound Beaches" , if you're staying near Rte. 6A the beach is probably on CC Bay (colder) , if S.Yarmouth or E.Yarmouth then it's the Sound (warmer) :D Thanks! We're shooting for a place in West/South Yarmouth......
by guitarguy
Fri Jan 09, 2015 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Wedding Anniversary in Cape Cod

Thanks so much for all the info everyone! Looked at some places in Chatham and on Nantucket...some interesting options but wife really loves LOVES the view and the fact that the cottage in Yarmouth is right on the ocean, step off the back deck and onto the sandy beach, and it's apparently on "t...
by guitarguy
Fri Jan 09, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Re: Wedding Anniversary in Cape Cod

Re: swimming. The ocean side is likely to be cold, but the bay side might be slightly warmer, but still cold. Of course, that depends on what you're used to. A person from Maine might not think it's cold. :D That's what I was pretty much thinking...borderline off season. Of course, we're from Metro...
by guitarguy
Fri Jan 09, 2015 8:32 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Wedding Anniversary in Cape Cod

Hi Everyone, Wife and I are planning a long weekend getaway for our 5-yr wedding anniversary. After trips to Boston, Chicago, and San Fran in 2014, we're thinking a more relaxing and laid back small cottage rental or something like that would be fun and we're thinking Cape Cod might be perfect. Look...
by guitarguy
Fri Jan 09, 2015 7:48 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2718

Adult 3-Couple Getaway

Hi All, My wife and 2 of the couples we are friends with are looking to go on a little getaway this June/July. One of the couple is saving up to get married in the fall so looking to stay on a reasonable budget and rent a 3-bedroom house, condo, cottage, etc. If we could at or near $1500 for 6-7 day...
by guitarguy
Tue Jan 06, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Adult 3-Couple Getaway
Replies: 4
Views: 1328

Re: Switching to no-fee AMEX

He doesn't have to close the account -- just call AmEx customer service. They can change his account to a different type of card that doesn't have an annual fee. (Blue Cash Everyday might be a good option, for example.) No impact on the credit history at all, then. This. But...which card does he ha...
by guitarguy
Fri Dec 19, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching to no-fee AMEX
Replies: 6
Views: 1049

Re: On average, how often do you check your investment balan

I put monthly because the poll asked about investments specifically. I track our investment balances and such on a monthly basis.

I check bank accounts and credit cards and such daily to keep my budget up to date and also for security.
by guitarguy
Fri Dec 19, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3480

Re: HSA question

Say I contribute $5k on December 31, 2014 and that reduces my gross income which I benefit from on my 2014 taxes. I then withdraw that same $5k on January, 1st from qualified medical expenses in previous years. I just don't understand how someone can't just keep putting in and then removing the sam...
by guitarguy
Fri Dec 19, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 12
Views: 1360

Large Tax Deductible Business Expense

Hi all, I am planning to make a large tax deductible business expense. Is there a good rule of thumb as to making this purchase at the end of the year vs the beginning of the following year? Is there any benefit to waiting vs buying now...other than just "whatever year you want the deduction in...
by guitarguy
Fri Nov 07, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Tax Deductible Business Expense
Replies: 1
Views: 255

Re: HSA Questions

Thanks for the replies everyone. Just want to make sure because we end up coming out very slightly ahead with standard deductions over itemizing. This caught my eye. Such a situation calls for bunching of deductions into every other year, so one year you do the standard deduction and the next year y...
by guitarguy
Wed Aug 20, 2014 6:37 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 821

Re: HSA Questions

Hi I would not contribute from my personal savings account to HSA account to avoid any Tax hassles later on. What type of hassle would I risk getting into? As I understand it plain as day, contributions can be made by either method and either one is perfectly acceptable. I just wasn't sure how the ...
by guitarguy
Tue Aug 19, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 821

HSA Questions

Probably easy elementary questions here regarding HSA contributions. I make a contribution via payroll deduction normally. But...wife needs a root canal...$1k...and we yet have the funds in the HSA account to cover it. From what I understand, I can contribute on my own (out of our savings account) t...
by guitarguy
Tue Aug 19, 2014 6:52 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 821

Re: Dumb 3rd grade math question about beach house rental

I have done this several times and in all cases given a discount to folks who stayed less than the full rental period. I would do it the way several posters suggested: $10,000/10 = $1000 per night cost. 8 nights split 3 ways 2 nights split two ways. Yep. This is how I'd do it. Couple 1: $3666.67 (1...
by guitarguy
Wed Jul 30, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5759

Re: What Do You Eat For Snacks?

OP - When do you usually workout in relation to your meals? I think a "snack" to fill you up (tide you over until next meal) should be different than a post workout replenishment type "snack". Right after workout (within 30 mins) a ratio of 4:1 carbs to protein with very little f...
by guitarguy
Fri Jun 13, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9335

Re: Peppy V6 With Good Fuel Economy

I recently bought a 2013 Chevrolet Impala LTZ (fully loaded model) with 25k miles from Hertz for $14k. I was looking for a larger sedan with a V6 and good fuel economy for a good price. I found it with this car for sure. The prices are great because there are so many available, and for what I was l...
by guitarguy
Thu Jun 12, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3171

Re: Pull-ups and Push-ups

I'll chime in...my wife and I just started back up with bodyweight (along with some light dumbells, a pullup bar, and rings) workouts twice per week, along with lots of walking and eating a pretty strict Paleo diet (100% for 30 days for the Whole30 and then probably at least 80/20 thereafter). Our m...
by guitarguy
Thu Jun 12, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 360
Views: 53012

Re: Peppy V6 With Good Fuel Economy

I recently bought a 2013 Chevrolet Impala LTZ (fully loaded model) with 25k miles from Hertz for $14k. I was looking for a larger sedan with a V6 and good fuel economy for a good price. I found it with this car for sure. The prices are great because there are so many available, and for what I was lo...
by guitarguy
Thu Jun 12, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3171

Re: Boglehead way of saving for home improvements

Pay off your student loans. Then save more for home improvements. Good luck. Well...this is the obvious Boglehead answer...but it's not always feasible either. I know we've made plenty of home improvements and we still have some student loan debt left (but for the record we owe around $30k and rate...
by guitarguy
Mon Jun 02, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead way of saving for home improvements
Replies: 15
Views: 1422

Re: Timing of paying off extra mortgage principal

Good enough, thanks for the advice all.

I won't bother taking time to make the extra payment mid-month, especially since I'll have to write and mail a check to do it. Not worth my time and the cost of a stamp for such a small amount of savings.
by guitarguy
Mon Jun 02, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing of paying off extra mortgage principal
Replies: 9
Views: 1083

Timing of paying off extra mortgage principal

Hi All, We're planning on starting to put ~$1150/m extra on our mortgage principal. Since I recently was switched from being paid monthly to twice per month, I was wondering if paying ~$1k to the principal in the middle of the month, and then paying the actual monthly payment plus that extra little ...
by guitarguy
Mon Jun 02, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing of paying off extra mortgage principal
Replies: 9
Views: 1083

Re: BoA - Paying extra on mortgage principal

My loan was with Chase when I got down to 78% and they did require an appraisel. But the good news is if you can get a feel for the housing market, your house has likely gone up in the last 2 years. Is it possible you can appriase it right now and have MIP dropped. We have an FHA loan. As far as I ...
by guitarguy
Mon Jun 02, 2014 6:14 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735

Re: BoA - Paying extra on mortgage principal

BoA serviced our loan for a while before we refi'd a few years ago. For whatever reason I couldn't setup automatic payments with them so each month I had to go online and schedule an ACH pull from my external checking acct. One of the fields in that form was to add additional principal. I did that ...
by guitarguy
Thu May 29, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735

Re: Hiring someone versus painting yourself

In my neighborhood professional painting of a whole house could range anywhere from $15,000 to $40,000 depending on the contractor, the house, and the condition of the house. That is INSANE. We paid $3400 and that included a 1000 sqft bungalow, a detatched 2-car garage that needed a lot of sanding ...
by guitarguy
Thu May 29, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4477

Re: BoA - Paying extra on mortgage principal

Grt2bOutdoors wrote:I write checks out all the time - birthdays, holidays, utility payments, government payments and I support the US Postal Service while doing so.


I write checks sometimes too. I was just being facetious.
by guitarguy
Thu May 29, 2014 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735

Re: BoA - Paying extra on mortgage principal

Walking into a branch...ugh. Avoid that at all costs. But that's just me. Who wants to stand in line? :twisted: I am old and retired. Going to the branch is my major entertainment of the day. Plus they hand out free lollipops. I'm young and working full time 9-5, working on my master's, and working...
by guitarguy
Thu May 29, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735

Re: BoA - Paying extra on mortgage principal

What is the basis of your conclusion that you can eliminate PMI after 10 months? Are you assuming that if you pay down the mortgage more quickly than the regular schedule, and you get the balance below a certain threshold that the lender will automatically eliminate PMI? If this is your assumption,...
by guitarguy
Thu May 29, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735

Re: BoA - Paying extra on mortgage principal

How much do stamps cost where you live? What about checks? Which is easier: write a check and put it in an envelope or jump through fifteen hoops so you can proudly claim you did it all online? I guess it comes down to what excites you. I thought your goal was to pay off your mortgage any way you c...
by guitarguy
Thu May 29, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735

Re: Hiring someone versus painting yourself

Our painter just finished up painting our exterior last week. We have a 1000 sqft bungalow plus a 2-car detached garage. It took him about 2 weeks and he worked some pretty long days. He double coated everything, caulked/weatherproofed everything, and sanded down a LOT of flaking paint on the old ga...
by guitarguy
Thu May 29, 2014 7:22 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4477

BoA - Paying extra on mortgage principal

So my wife and I came up with a plan to start paying extra towards our mortgage each month as opposed to towards student loans. If we do this and apply our calculated amount, we will eliminate our PMI in 10 months. So we're excited about going for it! Seems small, but we feel great about paying off ...
by guitarguy
Thu May 29, 2014 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: BoA - Paying extra on mortgage principal
Replies: 26
Views: 2735
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