Search found 103 matches

by crazygrow
Mon Jan 07, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 87
Views: 6505

Re: Child # 3 - seeking advice from older members

I may not be a good person to answer the question as I started out with three (triplets) and then had three more singletons. At one point we had 5 kids 3 and under. My kids are now ages 12-5. I likely could have early retired by now at 40 if I had kept it to 1 or 2. But I've never viewed them as a "...
by crazygrow
Sat Dec 29, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mint Experts - Tips & Tricks
Replies: 6
Views: 783

Re: Mint Experts - Tips & Tricks

I'm amazed at how little mint has improved over the six years that I have used it. It could have been such an amazing product.
by crazygrow
Sat Dec 29, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: HR Issue at Work
Replies: 9
Views: 1207

Re: HR Issue at Work

I've been in a similar situation where I fired an SVP that reported to me for performance issues and he accused me of racism and hating women (despite 2/3rds of my leadership team being women). HR and I had a frank talk about it and the c level team performed an investigation. At the end of the day ...
by crazygrow
Thu Dec 20, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 353
Views: 52385

Re: New HSA provider Lively offers investments for $30/yr fee

Just got it as well. Great news as I had just sent my money to them right before Fidelity launched. I'd still like to consolidate to Fidelity at some point but now don't have to worry about it.
by crazygrow
Wed Dec 19, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1987

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Pretty easy. Either contact your own insurance company to get them to cover it and pursue, or write a letter to your state insurance commissioner and FedEx a copy of it to the other party's insurance company. The entire point of insurance is make you whole and cover your needs until you're made who...
by crazygrow
Tue Dec 18, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1987

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

quantAndHold wrote:
Tue Dec 18, 2018 6:15 pm
What does your own insurance company say?
Waiting on them and the dealership to return my calls. I have Amica and they have usually been great. My current claims person on this issue has been subpar though.
by crazygrow
Tue Dec 18, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1987

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

mhalley wrote:
Tue Dec 18, 2018 6:13 pm
Can they not put the damaged part back on to allow you to drive it until the part comes in?
Unfortunately, that part took a direct hit so I don't think they could do that.
by crazygrow
Tue Dec 18, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1987

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

The truck is fully reassembled except for the one backordered part (and then they need to paint). It is the shop attached to the largest ford dealership network in the area).

It also took Liberty several weeks to assume fault and to approve repairs.
by crazygrow
Tue Dec 18, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1987

Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Hey all, Hoping for some help with this situation. A customer of Liberty Mutual t-boned my nearly new $55k F150 over two months ago. The truck is put back together except for the side panel of the bed is on backorder (crazy considering it is one of the highest volume cars produced). They don't have ...
by crazygrow
Thu Nov 29, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1859

Re: HSA Help/Tax Expert Needed

It is likely this that makes your plan not eligible: "Besides a high deductible, in order to qualify as an HDHP, a health insurance plan must also not offer any benefit beyond preventive care before you meet the annual deductible. An otherwise high deductible plan fails the HSA qualification when it...
by crazygrow
Thu Nov 29, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1859

Re: HSA Help/Tax Expert Needed

yes I did "The IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family. An HDHP’s total yearly out-of-pocket expenses (including deductibles, copayments, and coinsurance) can’t be more than $6,650 for an individual or $13,3...
by crazygrow
Thu Nov 29, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1859

Re: HSA Help/Tax Expert Needed

Right now the plan we have DW pays $25 a month and it has a deductible of $1,000 per person, $3,000 family. According to Insperity her HR outsourced service provider this is not a HSA and she cannot open one through her employer. And HR is correct. A couple of seconds of googling will show that an ...
by crazygrow
Thu Nov 29, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1859

Re: HSA Help/Tax Expert Needed

Yes you can call them directly.

Fidelity isn't the expert and also doesn't care if you mess up. They aren't penalized - you are.
by crazygrow
Thu Nov 29, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1859

Re: HSA Help/Tax Expert Needed

It doesnt matter what you feel but what your company reports. If it was hsa compliant they would be offering you an HSA. Which it sounds like they arent. From the linked article and probably why yours doesnt qualify: Besides a high deductible, in order to qualify as an HDHP, a health insurance plan ...
by crazygrow
Thu Nov 29, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1859

Re: HSA Help/Tax Expert Needed

If it isn't an official HDHP then no HSA.
by crazygrow
Tue Nov 27, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2268

Re: Small Company- Negotiating Compensation

Take from experience, get your deal in writing. Small companies operate by king's rules. Ask for a multiple year employment contract, that specifies all aspects of your compensation, benefits and equity. If not, stay put. G Of course the final offer letter should be in writing but the sausage-makin...
by crazygrow
Tue Nov 27, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2268

Re: Small Company- Negotiating Compensation

I'm not sure I would consider this a small company. I know it fits the definition by it is big enough that it will have established procedures on pay and equity. A lot of the replies seem to think this is like a five person startup. I definitely agree that small companies can provide the same level ...
by crazygrow
Sat Nov 24, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating salary when you know you're underpaid
Replies: 16
Views: 2078

Re: Negotiating salary when you know you're underpaid

How does your total compensation compare?
by crazygrow
Sun Nov 18, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5510

Re: New job concerns

I didn't read all the replies (surrounded by all my kids at the moment). You have to help them into the 21st century where work and associated performance is judged based on quality output, not hours sitting in an office working. You should definitely make sure you are still getting in a minimum of ...
by crazygrow
Sat Nov 17, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2640

Re: Negotiating offer when you gave a number early in the interview

If you believe in what they are doing ask for equity instead of more cash.
by crazygrow
Sat Nov 10, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4518

Re: Recommend Chrome ad-blocker

This is likely an unpopular opinion, but if you arent willing to pay for the content you get free on the internet, all blocking ads does is (1) make it so the ads you do see are not targeted and (2) put content providers out of business. If you are willing to pay, have at it.
by crazygrow
Sat Nov 03, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 36
Views: 3407

Re: high deductible vs. PPO calculation--high deductible always wins?

Remember that companies negotiate rates with insurance carriers. My company always lands in the area that you are seeing (HDHP almost always better) somewhat on purpose. THey want people on those plans and seeing the costs and working to reduce them...
by crazygrow
Wed Oct 31, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life from $1MM to $2MM questions
Replies: 8
Views: 713

Re: Term Life from $1MM to $2MM questions

Why do you need a policy that goes until you are 78? That is why the policy is so expensive. If you don't have specific needs (disabled child/spouse, etc.), at your age I would be looking at 20 years at the longest and maybe more like 10-15 if you have your financial ducks in a row. I have two polic...
by crazygrow
Fri Oct 26, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Action on mortgage lender.
Replies: 16
Views: 1696

Re: Action on mortgage lender.

Unfortunately, incompetence is not a crime...
by crazygrow
Tue Oct 23, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance for Executives - Which Companies to Look At?
Replies: 2
Views: 276

Disability Insurance for Executives - Which Companies to Look At?

So I read the wiki: https://www.bogleheads.org/wiki/Disability_insurance, which was very helpful. I'm 40 and about to start a new adventure as a tech start-up CEO. I'd like to get some disability insurance in place, but not sure which are the reputable companies to start with. Which companies should...
by crazygrow
Sun Oct 21, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away?
Replies: 3
Views: 364

Re: Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away?

The benefit reported is in current dollars, but it will be adjusted for future inflation, which is what matters for your planning. If you could retire on $4000 per month and your SS will be $2000 per month, but prices double before you retire, your SS will be $4000 per month but will still cover ha...
by crazygrow
Sun Oct 21, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away?
Replies: 3
Views: 364

Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away?

Hi, Maybe a silly question. When I look in the social security portal, is that monthly benefit amount already indexed for future inflation? I'm 27 years away from FRA. I'm working to understand how much I need if I retire in 27 years and what % of that SS will replace. I have a pretty good estimate ...
by crazygrow
Fri Oct 19, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: If I'm convinced to stop making extra mortgage payments, should I recast?
Replies: 15
Views: 2116

Re: If I'm convinced to stop making extra mortgage payments, should I recast?

I recast after several large prepayments. Definitely worth the 200 fee I paid.
by crazygrow
Tue Oct 16, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help Setting up Solo 401k
Replies: 6
Views: 451

Help Setting up Solo 401k

Hi, I've read a bunch of the threads here and some on WCI, etc., but still have some questions on things I may not fully understand. We've decided to go with Etrade. Quick background: My wife runs an online membership program geared towards helping people find their style and refine it and the busin...
by crazygrow
Thu Oct 11, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 2104

Re: Considering new Honda Pilot, other suggestions?

I know it is new but supposedly the VW atlas has the best room in the 3rd row. We test drove the highlander and pilot and found them gutless. The BMW was nice but third row was minuscule. Haven't looked at atlas yet but plan to despite it being brand new model.
by crazygrow
Fri Sep 07, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Self-Employed Dependent Care FSA?
Replies: 7
Views: 471

Re: Self-Employed Dependent Care FSA?

Artful Dodger wrote:
Fri Sep 07, 2018 1:03 pm
S Corp and LLC owners cannot participate in FSA plans. You can take the child care tax credit.
Thanks for confirming.
by crazygrow
Fri Sep 07, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Self-Employed Dependent Care FSA?
Replies: 7
Views: 471

Re: Self-Employed Dependent Care FSA?

aristotelian wrote:
Fri Sep 07, 2018 11:36 am
Why not just take the tax credit? The numbers work out pretty close to the same.
Thanks. For some reason I had thought this had income limitations, but doesn't look like it.
by crazygrow
Fri Sep 07, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Self-Employed Dependent Care FSA?
Replies: 7
Views: 471

Self-Employed Dependent Care FSA?

Hi everyone,

My wife and I have a LLC where we are the only two employees/owners. Where can we set up a dependent care FSA? Everything I'm seeing seems to only be for big companies.

Thanks!
by crazygrow
Tue Jul 31, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 5323

Re: How to prepare for "the talk"

Do they want your help? If not, I wouldn't get involved unless there are other significant reasons (Mental health, etc.).
by crazygrow
Wed Jul 25, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3870

Re: Guilt at buying nice things for myself

Spend money on what you are passionate about. For me that is showing my wife and kids (and me) the cultures and physical beauty of the world and I never regret the dollars I spend on that. I generally do regret large purchases of "things" unless they make my wife smile. But that is me. Find your pat...
by crazygrow
Tue Jul 24, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: taxes: claiming child for parent 1 while on HDHP for parent 2?
Replies: 11
Views: 1101

Re: taxes: claiming child for parent 1 while on HDHP for parent 2?

Not an expert, but from my opinion, your setup would not work because you can't claim a family level of contribution without more than one person on your taxes...
by crazygrow
Sun Jul 15, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 39
Views: 5990

Re: Denied for an auto loan 2 weeks after purchase??

This happened to me last year with ford. We got a denial letter so I called the dealership and they showed approved. I logged into my ford account and it was indeed approved and all set up in there. Never got a good explanation.
by crazygrow
Sat Jul 14, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Tax Question
Replies: 4
Views: 654

Re: Lump Sum Tax Question

You would have to switch to accounting for revenue and costs on an accrual basis vs cash basis. I'm not clear on how and if sole proprietors can do this and you would need to remain consistent to some degree.
by crazygrow
Sun Jul 01, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 8201

Re: Cheapest way to buy a phone in 2018?

If you are a Costco member, they sometimes have good deals. My wife and I got 2 of the new Samsung Galaxy 9 for $1800 - $900 (B1G1 free) - $300 in Costco Cash Cards - $150 in Verizon Visa card (for bringing a new line for my kids) = $450 for the newest and latest.
by crazygrow
Thu Jun 28, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 4652

Re: MBA Options

You really need to do a strong self-evaluation. If you aren't going anywhere, you are likely missing certain key skills (whether technical or emotional, etc.) or knowledge. Get those things solidified up. I was one who always told my wife - I'm going back to MBA school and it will be a top 3. I ende...
by crazygrow
Mon Jun 25, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving my job with no replacement - ok to get a new car loan now?
Replies: 11
Views: 1234

Leaving my job with no replacement - ok to get a new car loan now?

Hi. I'm leaving my job in the next week or two. Taking a few months off before finding a new role due to my wife's illness. We had planned to replace one of our cars because it no longer makes sense for our family due to the illness. Am I ok to get a loan and buy one now? We are financially pretty s...
by crazygrow
Wed May 09, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 2079

Re: Another Vehicle Question

As long as you are clear (in your minds) that this is a want purchase not a need purchase - which isn't a right or wrong choice, but need to distinguish. We had a Sienna minivan with six kids until recently and we roadtrip A LOT. I'd recommend looking at what you pack if you are running out of space...
by crazygrow
Wed Mar 28, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Student loans, income based repayment, and taxes
Replies: 3
Views: 437

Re: Student loans, income based repayment, and taxes

For those of us on the PAYE plan (especially those going for public service loan forgiveness - PSLF) with a spouse/partner who also has an income, it is common to file taxes MFS to lower the monthly student loan payment. Each year income has to be re-certified to stay on the income based plan. Unfo...
by crazygrow
Thu Mar 22, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 12153

Re: Losing friends/family when wealthy

Some pertinent points written in other posts but one personal experience. My wife and I enjoy socializing - just being with people whether it is at McDonalds or a fancy place. One of her siblings is quite well off but extraordinarily frugal and won't spend any money to spend time with people. It has...
by crazygrow
Mon Mar 19, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Have $800k - What do I do?
Replies: 22
Views: 4733

Re: Have $800k - What do I do?

How have you managed to only save $130K as a 35 year old engineer? I hate questions like this on the board - especially when it isn't relevant to the question being asked by the OP. There are extenuating circumstances in many peoples' lives. I had triplets and had a substantial (multiple six-figure...
by crazygrow
Sun Mar 11, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?
Replies: 30
Views: 3079

Re: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?

Thanks all for the additional thoughts. To address a few of them...for those suggesting to skip this and focus on just a getaway - this is one thing we are good at. We have a goal to have two weeks every year away from the kids where we can reconnect. Definitely has been needed and we just got back ...
by crazygrow
Sat Mar 10, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?
Replies: 30
Views: 3079

Re: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?

Due to the triplet pregnancy being high risk, we had to see a perinatologist for all the pregnancies. At the first appt. with child #4, our peri asked, "you do know how this happens!" He was a great, older man with a great sense of humor.
by crazygrow
Sat Mar 10, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?
Replies: 30
Views: 3079

Re: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?

Other thoughts. I would also take time to talk about charity. How important is giving to each of you, how much and to whom. Also are both sets of parents alive? Will they need financial help? How much are you willing to give? This is something we are dealing with and we are about five years older. ...
by crazygrow
Sat Mar 10, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?
Replies: 30
Views: 3079

Re: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?

In addition to what do you want retirement to be like, I would ask when do we want it to begin? If you are in a high stress field, you may want to get out in your 50s or early 60s rather than traditional retirement age. Is your wife comfortable with this since you will have less time to reach your ...