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Re: 2015 Insurance For Family - PPO vs HDHP

Jane1, It appears you have to sign up to be a member at that other site to download the file, is that correct? I will try that out before I post a question on here because I am comparing my wife's company's ppo vs my company's hsa with a spousal surcharge. I have never had a ppo, so don't really kn...
by jane1
Thu Oct 30, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Insurance For Family - PPO vs HDHP
Replies: 11
Views: 927

Re: SEP IRA for Sole Propietorship + Simple IRA at W2 employ

BradMajors wrote:No. No. No. Solo 401k's are not appropriate for many sole proprietorship. Talk to your accountant before mindlessly opening a solo 401k.


BradMajors, can you please elaborate? I am thinking of opening a solo 401k, so if there are major pitfalls that I haven't yet come across I would like to know.
by jane1
Thu Oct 30, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for Sole Propietorship + Simple IRA at W2 employer
Replies: 11
Views: 403

Re: 2015 Insurance For Family - PPO vs HDHP

Jane1, It appears you have to sign up to be a member at that other site to download the file, is that correct? I will try that out before I post a question on here because I am comparing my wife's company's ppo vs my company's hsa with a spousal surcharge. I have never had a ppo, so don't really kn...
by jane1
Thu Oct 30, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Insurance For Family - PPO vs HDHP
Replies: 11
Views: 927

Re: 2015 Insurance For Family - PPO vs HDHP

Given the number of questions on Bogleheads asking for Health Insurance comparisons, I have come up with an Excel model comparing health insurance options like PPO, HDHP (with HSA) that are part of 2015 Annual Enrollment. Use the "Input & Data" tab to input your premiums, deductible, O...
by jane1
Thu Oct 30, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Insurance For Family - PPO vs HDHP
Replies: 11
Views: 927

Re: PPO vs HSA (hsa seems too good to be true)

Based on the information you have provided, HSA would seem to come out ahead under all spend scenarios assuming you contribute fully to HSA and get tax benefits. Although as someone else pointed out, you should double-check your OOP Max, and maybe deductible since they don't seem quite right. Your a...
by jane1
Thu Oct 30, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 20
Views: 1750

Re: Help! HDHP HSA vs PPO

Given the number of questions on Bogleheads asking for Health Insurance comparisons, I have come up with an Excel model comparing health insurance options like PPO, HDHP (with HSA) that are part of 2015 Annual Enrollment. Since you guys are relatively healthy, you would come out ahead with the HSA u...
by jane1
Thu Oct 30, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! HDHP HSA vs PPO
Replies: 5
Views: 476

Re: Help! HDHP HSA vs PPO

It would seem HSA makes more sense, likely under all spending scenarios. Especially if maximize your contribution into the HSA. But you will have to do the math in more details taking tax implications. Likely your premiums are also pre-tax. What is your marginal tax rate - federal, state, SS. Does y...
by jane1
Wed Oct 29, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! HDHP HSA vs PPO
Replies: 5
Views: 476

Re: HSA contribution limited by insurance company

As others have also already pointed out, it seems to apply only to the employer (funded) portion.
HSA contribution limit is set by IRS rules.
by jane1
Wed Oct 29, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: HSA contribution limited by insurance company
Replies: 13
Views: 871

Re: Most financially economical choice for a car

You can also buy a previous-year-model brand new car once the current-models are released. I have seen savings of 15% in the past. If you are going to drive it to the ground, the resale value does not matter.
by jane1
Tue Oct 28, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 50
Views: 3715

Re: Money saved by buying a hybrid or electric car?

Savings, if any, will be based on your state/local incentives as well as gas and electricity prices in your area (current and projected). If you are doing it primarily to save money, you may find the math doesn't quite work out. In some areas, the cost of charging at home offsets a large part of gas...
by jane1
Tue Oct 28, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 20
Views: 1316

Re: Smartphone questions

For a first smartphone, I would recommend going with an entry-level ($100-$150) previous generation model new or refurbished android. Preferably stock android - Nexus, Moto. Don't go for one of the 2-year contract fancy ones. Play with it for a year or 2, see what you use often (text, maps, calendar...
by jane1
Wed Oct 22, 2014 2:36 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6585

Re: Best place (with warm weather) to raise children

Glen Allen, VA (suburb of Richmond, VA). But it can snow a couple of times a year.
by jane1
Sun Oct 19, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5225

Re: Road trip to Chicago with kids- what to do/recommendatio

Avoid driving in downtown as much as possible. Park in one place and take CTA or El (elevated train). Millennium Park (Bean/Cloudgate, kids love getting wet in Crowne Fountain although it might be closed for the winter) Navy Pier and Giant Wheel, maybe Children's museum for the younger kids Architec...
by jane1
Sun Oct 05, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2597

Re: Which Employer Health Insurance To Go With? PPO/HSA

What will be your marginal federal and state (which?) tax rate in 2015? If you can afford to put the max allowable in HSA (~$6600), that could result in additional "savings" of a couple of thousand compared to the PPO options. If you are spreadsheet savvy, put the options and model it with...
by jane1
Fri Oct 03, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Employer Health Insurance To Go With? PPO/HSA
Replies: 23
Views: 1828

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Does this actually prevent pro rata issues if you're not pulling the entire amount out of the account? Appears (although my interpretation could be wrong since I could barely understand the examples!) that the amount distributed is still subject to pro-rata rules between pre-tax and after-tax, so y...
by jane1
Thu Sep 18, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8473

Re: Do you plan trips on your own or use a [travel agent]?

I always do my own planning and booking. First thing - go to your public library and get a London/England guidebook. Fodor's, Rick Steves, Frommer's, Lonely Planet, etc all have the practical advice you need. i.e. how to get there, how to get around, where to stay, where to eat, what to see, etc. Lo...
by jane1
Wed Sep 17, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1574

Re: Best Time Of Year To Visit Mediterranean

North Africa is not on my list at this time. The best way I can describe what I want to do in the Mediterranean would be similar for a northern snowbird to visit Miami for a few months and visit points within a 1-2 hour drive. Repeat following year at Fort Myers, repeat in St. Petersburg, repeat in...
by jane1
Mon Sep 15, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1431

Re: Best Time Of Year To Visit Mediterranean

Europe only? African side of the Med may be more affordable if that is important. Tunis (Tunisia) or Alexandria (Egypt)? Do you want tourist destinations close by? It appears you mainly want to hang out in that town. Correct? How often do you expect to use your apartment as a base to travel in the r...
by jane1
Mon Sep 15, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Best Time Of Year To Visit Mediterranean
Replies: 28
Views: 1431

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Here are some relatively inexpensive places that are clean, quiet, and safe. And they're interesting in the sense you most desire: being places where you'll meet lots of global travelers. They're also interesting because of their natural beauty. If you like to walk and hike, you'll enjoy them even ...
by jane1
Fri Sep 12, 2014 2:14 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5823

Re: I need a personal scheduler

You can use Siri to create an event in your iPhone. It is fairly easy once you get a hang of it. That way you don't have to worry about typing on small screen.
Google for tips on using Siri for calendar events.
by jane1
Thu Sep 11, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 1901

Re: Cruise Around the World

Lot of people do "world" cruises in sections. The cruise-lines typically give you such options as well. I know it is not the same as doing the entire thing but there are advantages of splitting it across multiple years.
Bills on autopay.
by jane1
Wed Sep 10, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1450

Re: take the quiz--test your 401(k) knowledge

11/12

Got the target fund asset allocation answer wrong. I used age in bonds.
by jane1
Mon Sep 08, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: take the quiz--test your 401(k) knowledge
Replies: 12
Views: 1173

Re: Going to be need to purchase a new car soon, need help

Given that you have money for a down payment and monthly payment, you can also consider a brand new car. Especially if you are considering a 2-3 year old car. We have always bought used cars, until the latest one a few months back. Used cars used to be priced much less (higher depreciation) at one p...
by jane1
Thu Sep 04, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2529

Re: How much does your home *really* cost?

Related article (nomadic lifestyle) might be of interest to the readers of this thread
http://finance.yahoo.com/news/5-retired ... 00037.html
by jane1
Tue Sep 02, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4313

Re: How much does your home *really* cost?

After our experience with 3 years on the road (flights and trains), we decided when we do this again, we would like to have a home base (say an inexpensive 1-bedroom rental) in a low-tax state and low cost of living area. Makes planning much easier and may actually be cheaper than continuing to pay...
by jane1
Sun Aug 31, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4313

Re: How much does your home *really* cost?

We tried for 3 years. The vagabonding costs are not that high. The planning logistics can become much more challenging. You need to figure out your mail, address for your financial instituitions, IRS address, etc. Will likely need Storage rental. Address for health insurance, car insurance/registrat...
by jane1
Sun Aug 31, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4313

Re: Husband rear-ended, driver ignoring his insurance

This might vary by state, but the states I have lived in, this is the case. If the other party is at fault, their liability insurance covers your car. You are not subject to deductible and can get rental car even if you don't have rental car coverage. If they don't have insurance, your uninsured mot...
by jane1
Sun Aug 31, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5256

Re: My husband's " WILL", $ left for me to live on....

OK... Let me see if I got the gist of the living arrangement. House owned by Wife (W), no mortgage Husband's (H) SS, Child's SS and portion of H's income from rental properties goes to joint account, and all household expenses paid out of joint account. Rest of H's income goes to his own account(s)...
by jane1
Fri Aug 29, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17898

Re: Here's another "where should I retire" thread

If west coast is a consideration and your finances allow it, why not consider a coastal town about an hour away from the Bay Area, CA. Ocean, Mountain, Trails, climate you would like, not far from Intl airport. Lot of places can feel fairly private and isolated once you are slightly out of the popul...
by jane1
Sat Jul 26, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6618

Re: Pay a stay-at-home spouse, fund a solo-401k?

I have a very good six figure W2 job where I work full time and a six figure 1099 LLC where I work part time on nights and weekends. My wife is a stay-at-home mom. She also does the bookkeeping for my LLC (sends out invoices mostly). For that, I pay her about $20k per year. Of that, she puts $17,50...
by jane1
Sat Jul 26, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay a stay-at-home spouse, fund a solo-401k?
Replies: 9
Views: 1274

Re: With no children, who will take care of my finances?

The way I see the need for services for the elderly, I divide them into the following (feel free to add) 1. Financial - tactical (day-to-day finances, pay bills, deposit income, manage w/d) 2. Financial - Strategic (optimize taxes & file, investment/portfolio management, withdrawal/conversion st...
by jane1
Sun Jun 15, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5962

Re: Pursuing your calling in life at what cost?

I would say that you can start planning for the new adventures right now and once you get the 450K in 2 years, go full time on them. In the meantime, your spouse might leave her current job and also start exploring her interests back in India so that she will be able to wet her feet in those plans ...
by jane1
Thu May 29, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4682

Re: Low iregular usage international calling

What country/countries do you need it for? Assuming you are calling from the US. Try Reliance Global Call. It is like a preapid calling card. Check rates for the countries you need. We have been using it for years without any problem. No problems with quality. https://www.relianceglobalcall.com/ Pre...
by jane1
Fri May 02, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Low iregular usage international calling
Replies: 11
Views: 699

Re: Monthly Rental in Southern Calif.

Lot of threads recommend VRBO for short-term rentals incl. monthly rentals for snowbirds in FL. Whenever I have checked vrbo.com, I see rates of $300-500/night, $1200-3000/week or $4000-$9000/month. Typically in FL, CA, etc. Am I searching incorrectly? How do they compare to the (extended) hotel sui...
by jane1
Wed Apr 23, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Monthly Rental in Southern Calif.
Replies: 7
Views: 892

Re: Moving to Reno: When to look for a rental?"

Check out and also post your question on city data forum. http://www.city-data.com/forum/reno-sparks-area/ You can also post your requirements there and people might suggest appropriate neighborhoods or communities. Separate forums exist for each city and I have found them very helpful. Craigslist i...
by jane1
Tue Apr 15, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 666

Re: California Taxes - Am I Missing Something?

I wouldn't recommend people to move here unless they are getting a huge jump in salary or better career opportunities. Why did you move @jane1 since you said the compensation is only comparable? Were there better opportunities for your career growth here? It doesn't sound like you moved for life st...
by jane1
Tue Apr 08, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10886

Re: First Trip to India

- ONLY drink bottled (check seal) or boiled/treated water including for rinsing mouth "good" - avoid all uncooked food (salad, cut fruit). peeling you own fruit is ok. Wash fruits with "good" water. - keep OTC medicine (stomach, flu, pain) with you at all times - you can buy most...
by jane1
Tue Apr 08, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 14608

Re: California Taxes - Am I Missing Something?

We moved from Chicago to NorCal a couple of years ago. Our experience - Compensation for a individual is comparable. Mean/medians don't tell the whole story. Our expenses here are significantly higher - about $10-15K per year higher for housing (rent) - several 1000s $ higher in state income tax (hi...
by jane1
Tue Apr 08, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 10886

Re: Self-employment and FICA limit?

Thanks DSInvestor and sscritic.
I went through the form and also put it in TaxAct. Looks like Sch C income will be subject to Medicare only. No employee or employer portion since the SS tax limit was already reached. So SE tax rate in this case is 2.9% times 0.9235. And half of that is the deduction.
by jane1
Sat Apr 05, 2014 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Self-employment and FICA limit?
Replies: 3
Views: 676

Self-employment and FICA limit?

I have W2 income where I have hit the social security tax upper limit. If I also have a 1099-Misc for some occassional consulting I have done, for which I will have to file Schedule C , what is my Self-Employment tax? I think it is only 2.9% medicare? With .9235 factor. Or is it 2.9% medicare + 6.2%...
by jane1
Fri Apr 04, 2014 1:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Self-employment and FICA limit?
Replies: 3
Views: 676

Re: We Don't want to die with Money

My husband and I have been seriously talking about how soon to retire. We are both 59. .... Does anyone have a book/article recommendations on how to go about spending down all your assets in retirement? I understand the "General retirement withdrawal rules: . withdraw from taxable accounts fi...
by jane1
Wed Mar 26, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3974

Re: Upcoming European Vacation - Currency Exchange Questions

We use Credit Cards (with no transaction fees), where accepted, and cash from ATMs. You get the best exchange rates (typically the official rate you see on Yahoo Finance, etc). Never had any problem all these years. We do keep some US $ bills handy in case of emergency. Make sure to check with your ...
by jane1
Wed Mar 26, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1532

Re: HSA Tax question

I have a HSA acct and my wife and I have family plan insurance policy.It is my understanding that we can contribute the max amount which I believe is 6550 for 2014 and since we are both over 55 an additional 1000 each.What I have been doing is splitting the total and putting half in each account.My...
by jane1
Sat Feb 22, 2014 3:14 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Tax question
Replies: 5
Views: 541

Re: Non-deductible IRA mess

jane1, if he gets another job with a 401k, couldn't use the "isolate the basis" technique? Basically, he would just roll everything out to an IRA, roll the pre-tax money into the new 401k, the convert the remaining basis to Roth tax-free. Thanks mnvalue. I just read up on the technique, s...
by jane1
Sat Feb 22, 2014 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-deductible IRA mess
Replies: 40
Views: 2521

Re: What to do with small prepaid credit cards

Certainly if you go to Home Depot with a Home Depot gift card, they can figure it out but the clerks at Lowes told me there is no way to determine how much is on a prepaid VISA card (or maybe they're just lazy). Or my Lowe's is more upscale than yours. :) I really don't know, but then I don't get t...
by jane1
Sat Feb 22, 2014 2:06 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do with small prepaid credit cards
Replies: 47
Views: 2247

Re: Non-deductible IRA mess

DH may be getting into one of these situations and will need to figure some way to avoid the future 8606 tracking. Former employer 401k rolled over into IRA 2 years ago. Current employer 401k - We ended up with some after-tax contributions in addition to pre-tax contributions to get maximum company ...
by jane1
Fri Feb 21, 2014 2:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-deductible IRA mess
Replies: 40
Views: 2521

Re: Cost Analysis: Living in CA vs the South

We moved from the Midwest to Bay Area, CA a couple of years ago. After visiting CA over the years, we have always wanted to live here. Our estimates showed it would cost about 50% more. It appears almost double, if you account for taxes (in our case); but with older housing, smaller spaces. NorCal c...
by jane1
Tue Feb 04, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 6006

Re: Any other travel freaks?

We traveled abroad extensively for pleasure for 10+ years while working. Then quit our jobs, put stuff in storage, so we can travel more. Lived in short-term furnished apartments and long-term stay hotels for several years in several cities. Exhausted. Now back to a more settled life in a different ...
by jane1
Tue Feb 04, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9223

Re: New car or used car

Ten years ago it was a much better deal to buy a used car 2-3 years old than a new car. Used car prices have gone up a lot in the last few years though. A frugal friend told me he recently bought the first new car of his life, because the economics had changed. What do you think? We had also always...
by jane1
Thu Jan 30, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: New car or used car
Replies: 9
Views: 1220

Re: Defer I-bonds taxes and impact on taxation of SS benefit

Yes. And, if I recall correctly, it is all or nothing for ALL the I-bonds you own. You can't do it with a subset of the I-bonds you own. Thanks for your responses. Looks like it would be limiting unless you can keep changing between Methods 1 & 2 endlessly. Has anyone tried that? SS benefits ta...
by jane1
Wed Jan 29, 2014 2:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Defer I-bonds taxes and impact on taxation of SS benefits?
Replies: 5
Views: 471
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