Search found 206 matches

by caseynshan
Tue Aug 15, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

I'm interested in making my child pay for part of college, for various reasons.... I don't really want to debate reasons.. really looking for ideas/hints on viability.... Set aside financial issues for a moment. Isn't the point of college to further one's overall education and help start a career? ...
by caseynshan
Tue Aug 15, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

OP, can you tell us what state you are in? I think that will help tailor the discussion. Colorado, but both kids are looking primarily out of state. I did underestimate in-state tuition somewhat... (i realized i was merging 3 schools, but one has no campus housing so that estimate excluded housing)...
by caseynshan
Tue Aug 15, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

Just to be clear, federal loans do not require a cosigner and are not dischargeable through bankruptcy. A family member has around $200k of these loans and no cosigner. Grad school/professional school? You can't borrow that much money for undergrad. Or has this been compounding for a couple of deca...
by caseynshan
Tue Aug 15, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

This may be getting off topic, the original poster said that he or she was willing to to pay 100% of a non-flagship state University and then possibly some more in addition to that. That is fantastic and a lot more than most students get. When we were going through this one of the most important th...
by caseynshan
Mon Aug 14, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

Thanks for reminding me about thinking about non-college costs.. (car/insurance/outside food etc..)
by caseynshan
Mon Aug 14, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

This is our plan. Fund 100% of tuition and books at a local community college for 2 years. Fund 100% of tuition and books at a university for years 3-4. If our daughter wants to start in a 4-year university, we would only pay the cost of a CC for the first 2 years. If she wants to live in a dorm or...
by caseynshan
Mon Aug 14, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Re: Plan for making child pay for part of college

As far as the above - is that per year or total? If it's total, please tell me what school costs $60K for 4 years of college? Why "instate non-flagship" as opposed to instate state flagship? # 1 - Yes, Per year. # 2 - Even if student decides to go to school in-state I would like for them to have a ...
by caseynshan
Mon Aug 14, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5994

Plan for making child pay for part of college

I'm interested in making my child pay for part of college, for various reasons. My current plan. Pay 100% up to 15k (just under cost of instate-non flagship school.. I could easily be talked into 20k) Pay 50% beyond that. Child responsible for the other 50%.. Scholarships count towards their 50% Any...
by caseynshan
Wed Jul 12, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Healthy smoothie ideas
Replies: 18
Views: 1570

Re: Healthy smoothie ideas

I make them in bulk and freeze 10 at a time in mugs.. and defrost at the office.. don't over warm or they consistency gets funky Recipe..ish.. 1-2 cups milk sometimes yogurt 4 scoops protein powder 3-4 tablespoons Olive Oil 1 banana 2 cups frozen fruit (usually mixed berries and peaches) slightly de...
by caseynshan
Fri May 12, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Yellowstone Itinerary
Replies: 31
Views: 2090

Re: Yellowstone Itinerary

If you want to go see wildlife in Lamar Valley, you have a MUCH better chance if you are there around sunrise or sunset. (although wolves are still rare) If you are wanting to go from Mammoth to Lamar to West Yellowstone that will be tough unless you are really good at getting out of hotel early.. m...
by caseynshan
Mon Apr 10, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 2980

Re: Cold weather family summer vacation ideas

Antigua Guatemala isn't as cool, but cooller than you think in summer partially due to altitude, and very fun.. we usually are wearing light jackets at night. New Zealand/Australia, probably requires 2 weeks, but is cool. (South island colder than North in summer) We did a camper van on North Island...
by caseynshan
Thu Mar 02, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 10727

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

For letting the kids wander on own.. I'd suggest Lucca or Venice.
Lucca is nice as it has a smaller city center that is separate from the rest of city, and has easy day trip train access to Florence and Pisa.
by caseynshan
Mon Jan 09, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 2326

Re: Ways to charge money on Credit Card

I group my charitable giving for this.. don't give for 2 or 3 months and then give a larger amount for Credit Card mins.
by caseynshan
Sat Dec 24, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9244

Re: Hard Endeavor/Exercise in Middle Age

Cycling is definitely something I've thought about and may get into. The price, for even middle of the pack road bikes has scared me off though. May change at some point. Never really considered tennis, but may give that a chance as well. Cycling, there are few things sweeter than passing a guy on ...
by caseynshan
Mon Dec 19, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9244

Re: Hard Endeavor/Exercise in Middle Age

Hockey : no. I tried taking up hockey at about 35.. I pretty much failed.. my back couldn't take it.. There were 3 types of players on all the teams in the level 1 league I played. Guys 18-25 hadn't played much and played super physical. Lots of rough contact, Guys 30+ mostly played when they were k...
by caseynshan
Tue Oct 25, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 2214

Dental 'Discount Plans' for uninsured

MIL has no dental insurance. (Medicare HMO plan for health) She needs some dental work done. I'm looking at something like this Dental Discount Plan for her. Looks like you still pay 100%, but you pay 100% of the insurance negotiated rate, which is often 50% of cash rate. ( I already called our dent...
by caseynshan
Fri Aug 12, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 4221

Re: What does the BH community do with their pets when they travel?

For us this has made a HUGE difference.
We still have to have someone come by, but much less often.

SureFlap Microchip Pet Door
Animal can only leave at certain times of the day, but can always get in.
Only the animal you want can get in.

https://www.amazon.com/gp/product/B009NH6NR0
by caseynshan
Fri Apr 29, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1621

Re: Chase Sapphire Question

The bonus is a true "bonus" - on top of whatever points you earn. Don't forget about the 5k bonus for adding an authorized user. You might want to avoid this.. If you want your spouse to get the 50k by getting their own card, as the sapphire now has some pretty hard limits about getting n...
by caseynshan
Mon Apr 18, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 53
Views: 4091

Re: Passport photo DIY - anyone done it easily?

Recently tried passport photo apps, But the pictures kept getting slightly colored backgrounds.. I gave up and went to walgreens.. was about $7
by caseynshan
Mon Apr 04, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: travel health insurance with major health issues
Replies: 12
Views: 1446

Re: travel health insurance with major health issues

I organized a trip for some friends 2 years ago, one had a significant procedure 3 months before travel. I looked at about 20 insurances, I immediately found that about 15 wouldn't cover for various reasons. I ended up calling the other 5, I had two scenarios that I thought would be the most likely ...
by caseynshan
Fri Apr 01, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6204

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again. If a host cancels one day before arrival, it will automatically show up in their reviews forever. So t...
by caseynshan
Fri Apr 01, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6204

Re: do you do airbnb ??

I used to use it. Then I had a host change their mind about renting to us the day before we arrived. Airbnb allows hosts to cancel at minimal or no cost. It really messed up our trip. Never again. If a host cancels one day before arrival, it will automatically show up in their reviews forever. So t...
by caseynshan
Mon Jan 25, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?
Replies: 28
Views: 3832

Re: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?

We really liked the HR-V, but ultimately decided against it as it is it's first year, and I was advised by car folks smarter than me, to never buy a car in it's first year. (We ended up w/ the Subaru Legacy Sedan, which is longer than I anticipated.) I agree AWD over winter tires in your situation, ...
by caseynshan
Fri Dec 18, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Subtle Economics for Teen
Replies: 23
Views: 1956

Re: Subtle Economics for Teen

Does a teen that has no knowledge of what an interest rate have any hope of following this storyline..?
by caseynshan
Thu Dec 17, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Subtle Economics for Teen
Replies: 23
Views: 1956

Subtle Economics for Teen

My 9th grade kid will be taking an ECON class next semester.. any recommendations on movies that has subtle economic theories for us to watch over Christmas Break..
by caseynshan
Mon Nov 02, 2015 6:22 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 68
Views: 5235

Re: Protein Bars and Smoothies

I make my own smoothies and then freeze coffee mugs of them.. .. i can make 5-10 at a time that way, and then defrost at work my approx recipe for about 5 3 cups of protein powder about two cups of milk cup of juice 2-3 cups of frozen fruit, slightly defrosted.. primarily berries and peaches.. banan...
by caseynshan
Fri Oct 23, 2015 11:30 am
Forum: Personal Consumer Issues
Topic: Laptop recommendations for elementary kids
Replies: 24
Views: 2045

Re: Laptop recommendations for elementary kids

My kids schools have moved to using google accounts and chromebooks for everything so that's what we did.
plus their cheap, and less prone to breaking.. (no moving discs/smaller)
by caseynshan
Sun Oct 18, 2015 1:48 pm
Forum: Personal Consumer Issues
Topic: Doctors without borders ..........
Replies: 43
Views: 5162

Re: Doctors without borders ..........

FYI.
I think GiveWell.org is significantly better than Charity Navigator.

They rate Doctors Without Borders very good.... (but not in their top 5)


http://www.givewell.org/international/c ... ut-borders
by caseynshan
Thu Sep 24, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Re: Marginal Tax Rate

clydewolf wrote:
caseynshan wrote:
pretty much already phased out of chilcare tax credit,

The dependent care tax credit is never phased out because of income.


Ooops meant the plain child credit, not child care.
by caseynshan
Thu Sep 24, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Re: Marginal Tax Rate

Very unclear what you're asking here regarding marginal tax rate. First, are you two individuals or are you married filing jointly? Second, are you trying to figure out marginal tax rate as it pertains to earned income or other income (such as dividends)? Third, what's the breakdown of Person 2's i...
by caseynshan
Thu Sep 24, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Re: Marginal Tax Rate

No HSA - approx 3000 in Health Insurance premiums
by caseynshan
Thu Sep 24, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Re: Marginal Tax Rate

livesoft wrote:TaxCaster says your federal marginal rate is 25% if you put $18K each into your 401(k)s.


I think I am more focused on the FICA issue than the Income Tax issue.

25% vs 28% is not near as significant as 15.3% vs 2.9%
by caseynshan
Thu Sep 24, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Re: Marginal Tax Rate

livesoft wrote:, but you can use the online free TaxCaster as well for good estimates. If you don't measure it, you cannot improve on it.

agreed, want to understand.. hence this post.. but it doesn't look like taxcaster includes FICA, which is significant.
by caseynshan
Thu Sep 24, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Re: Marginal Tax Rate

Globalviewer58 wrote:Filing status of Persons 1 + 2 is needed to determine marginal tax rate.

Married Filing Jointly.
by caseynshan
Thu Sep 24, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate
Replies: 15
Views: 1390

Marginal Tax Rate

learned a lot from thread earlier in week - https://www.bogleheads.org/forum/viewtopic.php?f=2&t=174183 So different situation. Person 1 - earns 95k Person 2 - earns 130k about 30k in 401ks, 30k in deductions, 15k in exemptions. So total Taxable income = $155k pretty much already phased out of c...
by caseynshan
Tue Sep 22, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

Thanks everyone, definitely learned a bit.
by caseynshan
Mon Sep 21, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

Is there a tax chart that combines Income Taxes with Social Security / Medicaid? I think a big clue to casey's question is right here. When I first read this, I thought what does this have to do with the questions being asked? But I've been participating in another thread about SS and graphing the ...
by caseynshan
Mon Sep 21, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

Y 39.6 Fed + (~14-15%) FICA + 0.9 AddtlMedTax + 10.3 CA + phaseouts - deductions == >60% I still disagree, If I'm wrong, someone feel free to explain it. if you are at 39.6 you are way over FICA phase of 118K so you would be 39.6 + 2.9 FICA + 10.3 or 4.63 state No. FICA is per person. So spouse's e...
by caseynshan
Mon Sep 21, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

Y 39.6 Fed + (~14-15%) FICA + 0.9 AddtlMedTax + 10.3 CA + phaseouts - deductions == >60% I still disagree, If I'm wrong, someone feel free to explain it. if you are at 39.6 you are way over FICA phase of 118K so you would be 39.6 + 2.9 FICA + 10.3 or 4.63 state No. FICA is per person. So spouse's e...
by caseynshan
Mon Sep 21, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

jane1 wrote:Y
39.6 Fed + (~14-15%) FICA + 0.9 AddtlMedTax + 10.3 CA + phaseouts - deductions == >60%



I still disagree, If I'm wrong, someone feel free to explain it.

if you are at 39.6 you are way over FICA phase of 118K

so you would be 39.6 + 2.9 FICA + 10.3 or 4.63 state
by caseynshan
Mon Sep 21, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

52.6% = 28 (Fed) + 15.3 (both sides of payroll taxes) + 9.3 (state) . Colorado so only 4.63% state.. but the 15.3 goes down to 2.9 over 118... right? so your marginal rate for 115 k marginal rate = 28+15.3+4.63 = 48% 120 k marginal rate= 28 + 2.9 +4.63 = 35.5% m In other words, the self-employed pe...
by caseynshan
Mon Sep 21, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

Two married people making $100k each will be in the 28% federal bracket (on $200k less deductions), plus 15.3% FICA which is already 42%. State tax could easily add another 5-10% marginal. In NY, marginal state tax for this couple is 6.65% and city is another 3.65% for a total of 10.3%; for Califor...
by caseynshan
Mon Sep 21, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Re: Total Tax Rate Chart

not a chart, but a calculator...
http://us.icalculator.info/

I can't even get over 40%
by caseynshan
Mon Sep 21, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Total Tax Rate Chart
Replies: 32
Views: 3256

Total Tax Rate Chart

Is there a tax chart that combines Income Taxes with Social Security / Medicaid? I have a friend who is trying to convince me that their marginal tax rate (next dollar) is WELL over 50% because of self employment tax. But that doesn't make sense to me, since they would be well over 115k to do get a ...
by caseynshan
Wed Sep 09, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids pay for their own activities...
Replies: 21
Views: 2632

How much do kids pay for their own activities...

Our kids (12 & 14 )get a decent allowance and earn a little money (primarily dog walking and babysitting) They both participate in activities that have ongoing and equipment costs. (Violin and Rock Climbing) We, the parents, are currently paying all costs (approx $100-$200 month each), but think...
by caseynshan
Tue Aug 25, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: BackDoor Roth questions - Coverdell
Replies: 1
Views: 239

BackDoor Roth questions - Coverdell

Based on my new bad 401k and the advice here, I'm researching utilizing a backdoor roth. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=172411&newpost=2600526 Question 1 : I have coverdell educations savings IRAs for my kids, they don't mess with the 'pro-rata' rule correct.. Question ...
by caseynshan
Mon Aug 24, 2015 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Fees
Replies: 3
Views: 403

401k Fees

So my small company is switching to a new HR Provider, and thus 401k (Transamerica) Here are the fees I've uncovered so far... Not surprisingly, the Transamerica employees claim to not know about these other than # 1 and # 3 Fees: # 1 – Plan Fee - $144 per year. # 2 – Contract Asset Charge - .46% # ...
by caseynshan
Tue Aug 11, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Flex Spending, need to spend money, can I buy medicine and donate?
Replies: 11
Views: 1374

Re: Flex Spending, need to spend money, can I buy medicine and donate?

Looks like no. m Whose Medical Expenses Can You Include? You can generally include medical expenses you pay for yourself, as well as those you pay for someone who was your spouse or your dependent either when the services were provided or when you paid for them. There are different rules for deceden...
by caseynshan
Tue Aug 11, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Flex Spending, need to spend money, can I buy medicine and donate?
Replies: 11
Views: 1374

Flex Spending, need to spend money, can I buy medicine and donate?

I have to use a bunch of Flex Spending money in the next week, (complicated last minute switch of hr providers for small company)

I know of a non-profit that needs medicine.

Can I buy a bunch of medicine and donate it, or does the flex spending rules stipulate I have to use it for my family?