Search found 77 matches

by AlwaysAStudent
Thu Mar 16, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1303

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

My utility is currently offering $10,000 off a new LEAF (excludes all other dealer incentive). Still can't justify a new one though when 2013's can be had for $8K. Thinking about eBay, given that I'm in flyover country with EVs far and few between. I am assuming you are in the KC area, buy the LEAF...
by AlwaysAStudent
Tue Mar 14, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: IRA and college savings advice needed
Replies: 38
Views: 1479

Re: IRA and college savings advice needed

Change your spouse's contributions to pre-tax. His paychecks should automatically have less tax withheld, giving him a larger take home check on the same contribution. Next, you are adding a dependent this year. You can change your or your spouse's withholdings to compensate for the fact that you w...
by AlwaysAStudent
Tue Feb 21, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5532

Re: Do you replace your electrical switches/outlets or use an electrician?

I was wondering how many people (especially women) replace their own switches/outlets/dimmers etc. Female, have changed/replaced/installed several switches/outlets/dimmers in my lifetime. I always research something like this before I do it the 1st time and refresh my memory if it has been a while ...
by AlwaysAStudent
Wed Feb 15, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8939

Re: -$280k Net Worth Has Me Up At Night

It's collective student loan debt at this point - she has 2 years remaining. Probably end around $100k total - regardless appreciate the constructive criticism re: the rental. Cut & dry, love it. Evening BH’s, Below is a complete snapshot of our financials and a brief explanation of what’s goin...
by AlwaysAStudent
Tue Feb 14, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10442

Re: Bogleheads not the norm?

Working Mom (33), Mostly Stay At Home Dad (34), Toddler (2.5) ~$70,000 income ~$70,000 401k ~$1,000 IRA Smaller E-fund than 6 months Student Loan Debt Car Debt (interest rate under 3%) Mortgage Occasional CC debt (usually a 0% offer, paid off within a few months) I come here to learn, grow, and hope...
by AlwaysAStudent
Tue Feb 14, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4233

Re: What to do with daughter's $100

...As for the rent I charge her? I charge about half of what she would be charged if she were on her own in our town. I'm not covering any of her costs at all. She pays for everything including her own food. ... I don’t cover any of her expenses now... ... I believe motivation to find a better payi...
by AlwaysAStudent
Mon Feb 13, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4233

Re: What to do with daughter's $100

As a 33 year old, I would say you need to use that $100 to provide 1 last tool to teach her how to be an adult and then let her sink or swim. You are not helping her by continuing to treat her (and letting her act) like a teenager, unless you are are planning to be her crutch for the rest of her lif...
by AlwaysAStudent
Mon Feb 13, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: 1 pay check/3 people, making sense of LI
Replies: 3
Views: 708

Re: 1 pay check/3 people, making sense of LI

I am going to use some made up #s. This also does not consider any widow SS you might be able to claim or that you are investing the $ to just pull a SWR from. I purposely over simplified this math to try to make it very clear why somebody might want more than 1 policy. Let's assume that you current...
by AlwaysAStudent
Tue Feb 07, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Insights for Long Distance Grandparents
Replies: 23
Views: 1318

Re: Insights for Long Distance Grandparents

I am not the grandparent but the mother of the grandchild. Learn now to use Skype/Facetime, don't ask a new parent to teach you over the phone how to use it. Don't wait for mom/dad to initiate the calls either, if you want to Skype/Facetime, send a text and ask if it is a good time. Do not plan to g...
by AlwaysAStudent
Tue Jan 31, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone drop out of school in 30's or 40's?
Replies: 34
Views: 3191

Re: Anyone drop out of school in 30's or 40's?

I am in my early/mid 30s and I started a Master's program 1.5 years ago. I am 12 hours into to a 36 hour program, as you can see I am taking it very slow but it still has caused a lot of stress and frustration in my daily life. I also have a 2.5 year old at home that thinks she should be attached to...
by AlwaysAStudent
Tue Jan 31, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 27
Views: 3181

Re: Personal finance help for those below/near poverty line

I second (third) utilizing the United Way as a resource, if nothing else make sure that the local non-profit you are working with is listed in the United Way database. I work in a union manufacturing facility and every year United Way comes and tells us about the programs they offer and the agencies...
by AlwaysAStudent
Mon Jan 23, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our student loan?
Replies: 44
Views: 3620

Re: Should we pay off our student loan?

...Do you really want to be paying your own loan while your kids are going to school?... My situation is not the same as yours or as other poster's but this quote is a lot of what we focus on in our house. Our goal is to be completely debt free (including mortgage) by the time our oldest is 16-18 y...
by AlwaysAStudent
Tue Jan 17, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: HDHP switch? Feedback appreciated
Replies: 5
Views: 308

Re: HDHP switch? Feedback appreciated

This thread might help you answer some of your questions. viewtopic.php?f=2&t=207245

Personally, I have had an HDHP and HSA for many years (before, during and after being pregnant). At the moment I can not see a reason to switch for my family.
by AlwaysAStudent
Tue Jan 17, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Tracking our expenses
Replies: 40
Views: 3115

Re: Tracking our expenses

Another vote for YNAB.
by AlwaysAStudent
Thu Jan 12, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions Requested - Vanguard 401k
Replies: 2
Views: 304

Re: Portfolio Suggestions Requested - Vanguard 401k

Should I move out of the Target Fund? No. None of the separate options costs less. Since all you have are the 401k and Roth IRA, using the target-date fund in both accounts is just fine. Are Target Funds a good long term plan? They're good until you add a taxable account for retirement purposes. Th...
by AlwaysAStudent
Wed Jan 11, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestions Requested - Vanguard 401k
Replies: 2
Views: 304

Portfolio Suggestions Requested - Vanguard 401k

Emergency funds: Working on this. Debt: Rental: $112k @ 4.0% – Rent covers PITI, manager fee, maintenance/vacancies Mortgage: $133k @ 4.125% School loans: $10k @ 7% - Currently at 0% while taking Master’s classes Car loan: $26k @ 2.74% Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal,...
by AlwaysAStudent
Tue Jan 10, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18219

Re: How Bad was 2008, really?

I was just barely attempting the whole adult thing at that time. I graduated in 2006, I had started putting money into a 401k around 2004 but it was probably only 1-3%. We bought a house in April 2007. Work was slowing down and we were getting home sick in the beginning of 2008 so in Aug of 2008 I g...
by AlwaysAStudent
Wed Jan 04, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 25
Views: 1376

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

OP Cost example: Let's use the example of delivering a child. Let us assume that it costs $10,000 for easy round numbers to use. I will assume that you will pay 20% once deductible is reached, as you did not state your co-insurance rate. Cost to deliver using PPO: $10,000(delivery yay baby is here)...
by AlwaysAStudent
Wed Jan 04, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 25
Views: 1376

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

OP Cost example: Let's use the example of delivering a child. Let us assume that it costs $10,000 for easy round numbers to use. I will assume that you will pay 20% once deductible is reached, as you did not state your co-insurance rate. Cost to deliver using PPO: $10,000(delivery yay baby is here)...
by AlwaysAStudent
Wed Jan 04, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Complaint + Switching to HDHP for Child Birth Costs?
Replies: 25
Views: 1376

Re: Medical Complaint + Switching to HDHP for Child Birth Costs?

My husband has MS with Rx costing thousands of dollars a month (if the drug company didn't offer an assistance program, independent of income) and we have a HDHP. The HDHP will continue to work the best for us due to the assistance program but if that ended we would have to recalculate the numbers. ...
by AlwaysAStudent
Tue Jan 03, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7690

Re: Are Younger people funding 529 Plans?

Agreed with all the points by Chadnudj & bligh. Quite simply, there are numerous financial priorities for young parents more important than funding a 529. Although I agree with what most poster wrote we started a 529 the year our daughter was born. There is less than $1k in there for now, as we...
by AlwaysAStudent
Tue Jan 03, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 28544

Re: Whats your number to walk away?

May be a little off track, but did you ever regret not having kids? We are at 29 and 28 ourselves and we both hate kids (other people's and the thought of our own). We agreed not to have any kids but everyone is telling us that we will feel differently when we get older. Did you? I am not that much...
by AlwaysAStudent
Tue Dec 13, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for Graduate School
Replies: 33
Views: 1899

Re: How to pay for Graduate School

I agree with others that you should hold off on the MBA for a little while. Maybe Fall 2017? Hours in a week = 168 Full time job = 40 Part-time job = 20 Sleep = 49 (7 hours a night) Classes = 6 Homework = 9 Hygiene time (shower, dress, brush teeth, bathroom, etc) = 7 (1hr/day, do not cut this short,...
by AlwaysAStudent
Thu Dec 08, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Double Oven Ranges
Replies: 13
Views: 1109

Re: Double Oven Ranges

We have this double oven range (or similar), not gas and love it. http://www.homedepot.com/p/GE-Profile-6-6-cu-ft-Slide-In-Double-Oven-Electric-Range-with-Convection-Lower-Oven-in-Stainless-Steel-PS950SFSS/204369893 We don't always need 2 ovens but being able to use the smaller top one when we are j...
by AlwaysAStudent
Tue Dec 06, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7093

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

We went on 2 different (shorter than you are) trips when our daughter was about 12-15 months. The first one was short notice, husband and daughter joined me on a business trip, so we decided to just let her sit in our laps. The next one was a vacation that was planned so she had her own seat. Althou...
by AlwaysAStudent
Tue Nov 15, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stay at home parent vs. Daycare (personal question)
Replies: 19
Views: 2315

Re: Stay at home parent vs. Daycare (personal question)

My husband and I are currently making a decision to go the opposite direction you are talking about. Our child is 2.5 years old and we are hoping to add one in the next year or so. The kiddo has been going to daycare since about 8 weeks old when I went back to work full-time and my husband has been ...
by AlwaysAStudent
Fri Nov 11, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Does a car downgrade make sense for me?
Replies: 19
Views: 2024

Re: Does a car downgrade make sense for me?

Why not replace the truck with a commuter car and an older (smaller) truck? My husband and I each drive a Prius to work and have a 15 year old truck that is used for hauling stuff on the weekends (farm and DIY type of stuff). All 3 vehicles are paid off and the insurance on an old truck that doesn't...
by AlwaysAStudent
Wed Sep 21, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 3113

Re: Baby deals

Don't run out and buy a minivan and a four bedroom house tomorrow. No seriously, I know a lot of parents who go through a logical progression of 'gotta have the best'-ism. They look at 5 baby car seats, one is the size of an airline seat for an adult...they decide they have to get that one, because...
by AlwaysAStudent
Wed Sep 14, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 40
Views: 4580

Re: Denied Term Life Insurance/A Reminder to Get Your House in Order

My DH was denied Term Life Insurance about a year ago due to health conditions. We were very up front with them and were originally told that didn't immediately disqualify him but the quote was pretty high. He ended up being disqualified due to an appointment/testing that was completed to be used as...
by AlwaysAStudent
Mon Sep 12, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: retiring with a mortgage
Replies: 35
Views: 3454

Re: retiring with a mortgage

... move to a LCOL area where they can purchase the house outright with the proceeds of the HCOL sale. ... We expect the purchase price to be about $250k-350k. ....That should give them almost $60k/yr That seems like a lot of house for a retired couple in a LCOL area. My mortgage (with a 20% down p...
by AlwaysAStudent
Tue Aug 16, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3903

Re: vacation ideas - October

If I lived near Chicago, I would consider Amtrak for leisurely travel. You could take the Capitol Limited over to Washington DC, which can have glorious fall colors that time of year, lots of plays and restaurants. I would take the Amtrak to Albuquerque and enjoy the balloon fiesta then check out T...
by AlwaysAStudent
Tue Aug 16, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Knowing what you know now...
Replies: 22
Views: 2755

Re: Knowing what you know now...

I am in my early 30s, we had our baby a week before I turned 31 (only kid at this time). I have two things I would have changed about my 20s. 1. Applied a true budget earlier. We always budged bills (and contributed to 401k) but never budgeted for things like clothes, gifts, oil changes/tires, etc. ...
by AlwaysAStudent
Fri Jul 29, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help my retired parents
Replies: 16
Views: 1680

Re: Trying to help my retired parents

Are they currently in the 20% tax bracket? If not, why do they think they will have to pay 20% tax on the 401k? They could pull out small amounts each year that keeps them in whatever tax bracket they are already in. I am assuming they are under 70 and are not being required to pull out a set amount...
by AlwaysAStudent
Fri Jul 29, 2016 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Another can we retire...
Replies: 51
Views: 6122

Re: Another can we retire...

Philachild wrote:Can we retire?
We will spend about $195K per year.


Is that including what your tax liability is? If yes, that is a 3.5% WR so generally considered safe. Will there be any pensions, SS, etc income in the future?
by AlwaysAStudent
Fri Jul 29, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 10665

Re: Stats on Americans 'cutting the cable' ?

Our friends in DC was amazed that they could cut the cord by using a cheap antenna (flat w/o amplifier for $7 shipped) to pick up all the local HD stations, thus saving $40 plus per month. They only live about 10-15 miles from their TV stations. As in my case, wife still needs her Food TV and HGTV ...
by AlwaysAStudent
Tue Jun 28, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Financial Plan/Question for 95 year old Dependent
Replies: 8
Views: 650

Re: Financial Plan/Question for 95 year old Dependent

If the $100k will last 18 months can you take the other $500k and put it in a CD ladder (I am not sure current rates). If her monthly cost are $5300 than she would need approximately $65k (I rounded) per year to live on. Can you find a CD that will expire in 12-18 months to put $65k into? Put anothe...
by AlwaysAStudent
Mon Jun 27, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Out of state interview etiquette (interviews with multiple companies but one is paying)
Replies: 10
Views: 1367

Re: Out of state interview etiquette (interviews with multiple companies but one is paying)

I would also call and discuss it with them. I went on an out of state interview (close to 10 years ago, so maybe not relevant) in which the company paid for the flight and offered to reimburse for the rental car. However, my siblings lived approximately 3 hours away and in a bigger city. We arranged...
by AlwaysAStudent
Wed Jun 15, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 529 Plan
Replies: 4
Views: 570

Re: 529 Plan

MO is kind enough to offer tax breaks for using a 529 AND they don't require you to use the MO plan to get those tax breaks.

We are in MO and use the Utah 529 plan, at the time the fee for Utah were better than MO but I believe MO has gotten better.
by AlwaysAStudent
Wed Jun 15, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Parent plus loan or Cosign private student loan
Replies: 6
Views: 477

Re: Parent plus loan or Cosign private student loan

Whichever one you are most comfortable taking full responsibility for. My parents co-signed on student loans for my brother. Brother enjoyed several years income with more than needed to support his family but never made more than the min payment on the loans. Brother has now been laid off and start...
by AlwaysAStudent
Fri May 20, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 3238

Re: Pride in no inheritance to kids?

It used to be possible for a kid to do this. Now it would be almost impossible to graduate from a good college without a crushing debt that blights decades. (How the heck did that change happen?) I look at this differently. Blue collar jobs were more available in past generations because college wa...
by AlwaysAStudent
Thu May 19, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: 27 y/o, need some career advice
Replies: 45
Views: 3526

Re: 27 y/o, need some career advice

Were did you come up this this number though, you do not have an offer for 120k-130k base? You turned down an offer for 111k base and you have connections to potentially get a contract job for 150k and 0 benefits. That said your market value is only as high as what somebody has actually offered to ...
by AlwaysAStudent
Thu May 19, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: 27 y/o, need some career advice
Replies: 45
Views: 3526

Re: 27 y/o, need some career advice

3) You are getting $98k +5% now, a 9% match on the 401k, and the tuition of $25k. Let's say you were paying for that tuition yourself, so pre-tax dollars of say $35k. Your total compensation package right now is in the $145-150k range at the current company, but that also includes health and other ...
by AlwaysAStudent
Thu May 19, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: 27 y/o, need some career advice
Replies: 45
Views: 3526

Re: 27 y/o, need some career advice

3) You are getting $98k +5% now, a 9% match on the 401k, and the tuition of $25k. Let's say you were paying for that tuition yourself, so pre-tax dollars of say $35k. Your total compensation package right now is in the $145-150k range at the current company, but that also includes health and other ...
by AlwaysAStudent
Thu May 19, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 3238

Re: Pride in no inheritance to kids?

klangfool wrote: Let me ask you a reverse question. Why should you leave an inheritance to your children? If you did a good job as a parent, they would be able to survive and thrive on their own. If you did not do a good job as a parent, how does leaving an inheritance help in anything? They would ...
by AlwaysAStudent
Wed May 18, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 4677

Re: Did your children ever completely move out?

It isn't always the kids who are keeping the old junk. My in-laws kept everything from 60's toys to a crib. The crib was, of course unsafe by the time we could use it and although we've said to throw out the toys, they're kept and occationally handed to us in a bag when we visit. We throw them out ...
by AlwaysAStudent
Mon May 16, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 3336

Re: College - In state - Children staying close to parents

Do the following assumptions make sense? If the children go to in state versus out of state college. They would be close to parents during college for approximately six years including graduate school. There are higher chances that they would take a job in state. It would lead to higher chances of ...
by AlwaysAStudent
Tue May 03, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Second IRS Final Notice Filing Law Suit Phone Call
Replies: 19
Views: 2608

Re: Second IRS Final Notice Filing Law Suit Phone Call

I got a call like this last year, the number was within the same state but 4 hours away.

After arguing with them for probably 20 mins, I told them I would wait outside for the police officer to show up and arrest me. They hung up on me.
by AlwaysAStudent
Mon May 02, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 6758

Re: Couples: Are you and your significant other on the same page financially?

We agree on our financial goals but disagree on how and when to hit those goals (healthy retirement and lots of travel while being debt free). I am of the mind set that we should sacrifice to pay off debt and save as much as possible to reach that goal as soon as possible. He is of the mind set that...
by AlwaysAStudent
Thu Apr 14, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: grateful for any input on a major, urgent real estate decision
Replies: 75
Views: 6324

Re: grateful for any input on a major, urgent real estate decision

anonima wrote:1. significantly below the current market value of the house


Are you sure or just guessing? Did you see an appraisal or a realtor market analysis?
by AlwaysAStudent
Wed Mar 23, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with Multiple Sclerosis
Replies: 16
Views: 1751

Re: Retirement Planning with Multiple Sclerosis

The main thing is to find the right balance between living in the now and saving for the future. Your husband, and you, are facing the mortality question sooner than most, but the problem is the same. If his MS progresses there will be things he can't do later that he can do now. Try really hard to...

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