Search found 217 matches

by furikake
Sun Sep 23, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: S Corporation vs. LLC Partnership Logistics
Replies: 3
Views: 271

Re: S Corporation vs. LLC Partnership Logistics

BofA offers free payroll if you bank with them, for up to 4 employees (if it hasn't changed). I'm not sure if you can deduct your health/dental benefits as the employer on your payroll if you're getting individual plans, unless you're talking about group plans.
by furikake
Mon Sep 17, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5697

Re: Thinking of Retiring at 52, Please Critique Plan

I may be wrong, but if he does collect SSDI, he will be able to get onto Medicare 24 months later, so he doesn't have to deal with individual insurance. If I could do that, I would do it. Individual insurance is a mess! That is my understanding too, but they will still need insurance for the rest o...
by furikake
Mon Sep 17, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1646

Re: HSA vs save $1.5K/year

If it's me, I'd do her plan. The HSA tax savings is not quite that much considering how much more you're saving on her plan.
by furikake
Sun Sep 16, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5697

Re: Thinking of Retiring at 52, Please Critique Plan

I may be wrong, but if he does collect SSDI, he will be able to get onto Medicare 24 months later, so he doesn't have to deal with individual insurance. If I could do that, I would do it. Individual insurance is a mess!
by furikake
Tue Sep 11, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3550

Re: How often do you guys get alignment done on your cars?

I mean to do it every month, I even put it on my calendar to remind myself, but I always forget. :oops:
by furikake
Fri Sep 07, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2588

Re: How do you handle Healthcare costs in retirement

Not Medicare age yet, not retired yet. When we become Medicare eligible, we will get Medicare Supplement and a Prescription Drug Plan. They're a lot cheaper than what we pay now. Not sure if we will fully retire before 65 because of this health care mess, so we'll keep our group insurance as long as...
by furikake
Fri Sep 07, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Self-Employed Dependent Care FSA?
Replies: 7
Views: 393

Re: Self-Employed Dependent Care FSA?

I don't think there is such a thing unless you're a C-corp.
by furikake
Wed Sep 05, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2611

Re: My recent experience with buying custom window blinds

We bought from Lowes as well when we moved in. The first installer came out, did a crappy job, only put in one screw on each side, which was not what was recommended and if a child pulled a little harder, the blind could fall and injure or kill the small child. How did I know?! Because I saw him, an...
by furikake
Sun Sep 02, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Help Us Pick a Lot to Build On - Which Neighborhood Option?
Replies: 19
Views: 1816

Re: Help Us Pick a Lot to Build On - Which Neighborhood Option?

If it were me, I'd want the 2-acre lot. We're on a 1.5 acre lot now, with a septic system. No problem at all. We have a maintenance contract, which is required by the city to have. The maintenance is done quarterly. We put in the septic tablets monthly, the system runs very well, no problem at all, ...
by furikake
Wed Aug 29, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11848

Re: How do you 7 figure guys organize multiple accounts?

I dig a hole in my yard, I put everything in a sealed box, and then I bury the box. No problem! :mrgreen:
by furikake
Wed Aug 29, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4084

Re: Bone in my food

If you're afraid of bones, become a vegan, then there is no chance of a bone anywhere. I got a piece of bone in my carnitas from Chipotle too some time last year. What did I do?! I picked out the bone and moved on. I didn't call Chipotle, I didn't call the store. Sometimes it just happens, we're all...
by furikake
Tue Aug 21, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else seen huge rise in TX insurance costs?
Replies: 27
Views: 1893

Re: Anyone else seen huge rise in TX insurance costs?

I'm in the DFW area, if I remember correctly, it was around 12% or so on home, but not anything significant, if anything at all on the other lines. We did have a couple of bad hail storms, and our insurer paid out everything we paid into in the last 20+ years plus more for the damage we got. Staying...
by furikake
Mon Aug 20, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 11923

Re: Is a million really the benchmark for retirement

Mr Money Mustache has a slightly different set of customers than Bogleheads. You might read through some of his info. I think people there generally retire with a bit less and a bit earlier. https://www.mrmoneymustache.com/ Also note that they don't really retire retire, they still work, like part ...
by furikake
Fri Aug 03, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4858

Re: Which diet soda pop do you enjoy?

Virgil's Zero Root Beer.
by furikake
Mon Jul 30, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6646

Re: Retirees: how much cash?

My husband doesn't agree with me, he'd rather not have cash at all. We have 2-3 years of expenses in cash. Not retired yet.
by furikake
Sun Jul 22, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5340

Re: High voltage powelines near house

We once went into a new housing development neighborhood, the houses next to the power lines were discounted because people didn't want to be right next to power lines. Don't look at the US studies, they either got bought out or silenced by power companies. Look at the European research, they tell a...
by furikake
Wed Jul 18, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2788

Re: How much did your braces/invisalign braces cost?

Invisalign $6k, Damon braces $5.6k. Insurance covers $2k each, paying upfront with check saves 5%.
by furikake
Wed Jul 18, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 16439

Re: New book based on Millionaire Next Door

I read The Millionaire Next Door when I was fresh out of college and I was determined to be a multi millionaire after reading that book. I'll be on the lookout for the new book, but since I'm cheap, I'll probably wait for it to be available at the library first. :D
by furikake
Sun Jul 15, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 4079

Re: How often do you buy a primary residence?

My friend's friend does what your neighbors do, but they carry a mortgage. It doesn't make sense to me, it's so much trouble and a waste of money. We lived in our old small house for almost 20 years, and then we outgrew the house and built this house. We won't move ever again, this is our retirement...
by furikake
Sat Jul 07, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9710

Re: What time do you get up in the morning?

I set my alarm at 6:50am, I have every intention to get up and workout, but it doesn't happen very often. I wake up with the alarm, and then I probably get up at around 8:30 or 9 or 9:30 or 10, but usually not later than 11am. I want to get up at 6:50am!! My body just doesn't want to listen to me. :x
by furikake
Wed Jul 04, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10126

Re: What’s your plan for a market downturn?

Go to Hawaii and Disney World, prices will be low then. I have no idea when the market will go up and down ….. But I know Disneyworld prices will never go lower only up. List prices only go up, but when the economy is down, sales and discounts and deals are plentiful. Right now, they're few and far...
by furikake
Tue Jul 03, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10126

Re: What’s your plan for a market downturn?

Go to Hawaii and Disney World, prices will be low then.
by furikake
Wed Jun 27, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15386

Re: How much (green) cash at home for emergency ?

We have anywhere from $20 to about $500 depending on the day. I have cash hidden in places I don't even know. Not really "hidden" but I put it at different places and forgot about it and then I found it later. I'm actually not sure where all the places are besides the official money place. I'm like ...
by furikake
Wed Jun 27, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I make my medical insurance premiums tax deductible?
Replies: 10
Views: 1374

Re: Can I make my medical insurance premiums tax deductible?

That's how I have been doing it. I have a group plan through my S-corp.
by furikake
Mon Jun 11, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11011

Re: Why do we work?

Health insurance. I've cut back quite a bit. I find that most of my friends do not have time to go out with me at all during work hours, they can't because they have to work. So now I focus on my personal health and my gardening, can I count those as work? If I can then it's because I like to stay h...
by furikake
Tue Jun 05, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8032

Re: What is your Take Home Pay / Gross Pay ratio?

54.87% for me, 0.57% on dh. W2 only, not including business dividends.
by furikake
Tue May 22, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Saving for a new baby
Replies: 6
Views: 711

Re: Saving for a new baby

Congrats!! 529.
by furikake
Sat Apr 28, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3631

Re: How stressful is buying a home?

Only when we were building a new house, not when we were just buying an established home. I don't think you'd get stressed out if you're buying a home you want, I'd think "excitement" would be the word to use instead of "stress."
by furikake
Sat Apr 28, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: 300k vs 500k house?
Replies: 32
Views: 4829

Re: 300k vs 500k house?

Life is too short, if it makes you happier and affordability is not an issue, go for it.
by furikake
Fri Mar 23, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11519

Re: Losing friends/family when wealthy

We don't tell people how much we have. The only thing we have that's a little more luxurious is our house, and most people thought we used our whole life savings to buy it. We still drive old cars and we're still cheap. In fact, a friend of mine yesterday told me that I had to cut back and downsize,...
by furikake
Wed Jan 31, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 14814

Re: Your shopping strategy for new tires?

Won't go to Costco again. Their line is ultra long, it always takes forever at Costco. They just opened up a new Discount Tires near my place, prices are about the same as Costco, and they're friendly and nice and we used them in the past and only had positive experience. Will go there from now on.
by furikake
Wed Jan 10, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3825

Re: Use HSA money or pay out of pocket?

We're not organized enough to keep receipts, and the HSA money is so little anyway, we just use the HSA debit card whenever we use medical care.
by furikake
Mon Jan 08, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement Planning Strategy
Replies: 16
Views: 2821

Re: Early Retirement Planning Strategy

We maxed out on our tax advantaged accounts, but we don't have much in them. So we have to use our regular accounts to pay for things when we retire early. Our dividends should cover part of our expenses, and we'll just draw the rest from our regular accounts. We don't do annuity, we saved enough in...
by furikake
Sun Dec 31, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage vs Investing
Replies: 14
Views: 1163

Re: Mortgage vs Investing

If you like gambling, take the mortgage and invest the money. There is no guarantee in the stock market. Is there a guarantee on your income? Is it ok with you if the bank takes your house when you can't pay your mortgage? When we were buying this last time, the interest rate was around 3%. I was di...
by furikake
Fri Dec 29, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5328

Re: A Year of Extreme Frugality

I think it's easier to just make more money instead of pinching pennies like what the MMM followers are doing. Or do both, but if you can't cut anymore expenses, the only way is to make more money.
by furikake
Fri Dec 29, 2017 1:58 am
Forum: Investing - Help with Personal Investments
Topic: BOA Savings Acct vs Amex High Yield Personal Savings Acct
Replies: 13
Views: 1603

Re: BOA Savings Acct vs Amex High Yield Personal Savings Acct

Last time I almost signed up for Amex High Yield Personal Savings, when I got to the step about opting out of their advertising, it said there was no way for them to not share my info with their partners, and there was no way to opt out of spammers spamming me. So I did not open an account with them...
by furikake
Thu Dec 21, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Investing in HSA for Retirement Purpose?
Replies: 24
Views: 3134

Re: Investing in HSA for Retirement Purpose?

I think using HSA for retirement is a stretch since there is a limit on how much you can put in it every year, and it is very little, not enough for retirement obviously. But using it for the tax deduction/tax free distribution before 65 or withdraw it like an IRA when we turn 65 is what we use it f...
by furikake
Wed Dec 13, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 12669

Re: How much did you contribute to your 401k in 2017?

I think about $67k for both dh and I, including employer contribution, which is myself.
by furikake
Wed Dec 13, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I qualify for an HSA?
Replies: 5
Views: 450

Re: Do I qualify for an HSA?

I would suggest that you CALL the health insurance company (not chat) and make sure. Then ask them to put it in writing. Then go to your CFO, show him the letter from the insurance company. This. ^^^^^^^ OP: It's not you who can decide if a plan is HSA or not, it's your state department of insuranc...
by furikake
Wed Dec 13, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 12833

Re: 2018 financial goals - what are yours?

Will be saving for a car fund and also saving for a shed/workshop.
by furikake
Sun Dec 10, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 3804

Re: Espresso Machine suggestions?

I second checking out coffeegeek. Rancilio, Gaggia are very good. I have a Starbucks branded Saeco from like 20+ years ago that still works, before Phillips bought out Saeco. Definitely use RO or distilled water otherwise you have to clean your machine with acid to flush out the built up calcium. Al...
by furikake
Sun Dec 03, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13752

Re: Price of haircut?

Free! I cut my own hair. :D +1 +1 +1+1+1 This becomes easy once you have a lot less hair to cut. About 4 minutes per week. Much better than getting in car, parking, WAITING, and the return time. OR - make an appointment and now they own your schedule. Note: the cost of the haircut is not the issue ...
by furikake
Thu Nov 30, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13752

Re: Price of haircut?

Free! I cut my own hair. :D
by furikake
Thu Nov 30, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 9755

Re: Does it make sense to drop health insurance?

I know of someone with $10mil and he chose to self-insure, this was before ACA. Not only did he lose it all to one illness, which spanned over multiple years, he went bankrupt and still owed money after his wife died. I would not consider self-insure until I have at least $100mil.
by furikake
Wed Nov 29, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 17355

Re: FIRE [financial independence/retire early]

The MMM people are afraid that they're going to die young, and they like to brag about retiring early with very little money. They will be scrambling to survive when the market tanks and you won't hear from them again when their "retirement" fails. Anyway, you should always include health insurance,...
by furikake
Mon Nov 27, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 19
Views: 2495

Re: Trying to avoid ACA Subsidy failure!

OP: Look at this: https://www.bcbstx.com/static/tx/pdf/co ... -plans.pdf - look at where it says "HSA Eligible". 204 is not HSA eligible, only 201 is.
by furikake
Sat Nov 25, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 19
Views: 2495

Re: Trying to avoid ACA Subsidy failure!

I believe the plan danaht mentioned is the only HSA plan in Texas, and I think BCBS offers plans in all counties in TX.
by furikake
Thu Nov 16, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 42324

Re: Did you tell anyone you paid off your mortgage?

Didn't tell anyone. I was 29 then, it was a non-event. When we were buying this house, a few of my friends asked if we were paying cash, I told them the truth.