Search found 237 matches

by furikake
Wed Dec 05, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6249

Re: Health insurance for FIRE

It depends on what you're looking at. Are you looking at Short Term Medical plans from these lesser known companies? Or are they even health insurance at all? There are a lot of scummy companies/agents selling "health plans" as health insurance. You probably won't find out until you use it, it'll be...
by furikake
Tue Nov 27, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3886

Re: Electricity bill should be 7% per month of home sq footage.

Ours is 3% at the highest in the summer. Most months it's a lot less.
by furikake
Sat Nov 10, 2018 2:48 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4030

Re: aerobic exercise: rower vs. treadmill and elliptical

I love my C2 rower! I row for about an hour each time, 3x/week in between my strength training days, at level 10. I have an elliptical and a stationary bike. Used to alternate between the rower and the elliptical and occasionally bike. Even though the elliptical is showing a higher calorie count, I ...
by furikake
Thu Oct 25, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Sweetner for Tea
Replies: 25
Views: 1284

Re: Sweetner for Tea

I don't use any in most teas, I drink mostly matcha everyday. If I make Darjeeling or Ceylon, then I'd use condensed milk. Erythritol is what I use when I make tea for dh because he doesn't want the calories from sugar. I like this better than Xylitol that I used before, no bitter after taste like X...
by furikake
Tue Oct 23, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7729

Re: For those who paid off house - how did you do it?

We did #1, took us 7 years. We got the mortgage when we only had one income, and then I got a job, and then we both got raises. We paid cash for our current home. We want to sleep better, don't like to owe money.
by furikake
Sat Oct 13, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is the ACA PTC income limit for 2018?
Replies: 13
Views: 647

Re: What is the ACA PTC income limit for 2018?

This is the site I usually use for that: https://familiesusa.org/product/federal-poverty-guidelines 2018 FPL numbers are used for 2019 coverage year. 2017 FPL numbers are used for 2018 coverage year. Perfect! I even saw the limit for tax year 2017 ($80,640) that I had failed and ended up paying bac...
by furikake
Fri Oct 12, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is the ACA PTC income limit for 2018?
Replies: 13
Views: 647

Re: What is the ACA PTC income limit for 2018?

This is the site I usually use for that: https://familiesusa.org/product/federal ... guidelines

2018 FPL numbers are used for 2019 coverage year. 2017 FPL numbers are used for 2018 coverage year.
by furikake
Fri Oct 12, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36587

Re: free dinner investing seminar

My dog who died a few years ago received an invitation. I went as my dog with a friend of mine. :P We have quite a few retirees in our neighborhood. I never received one myself. My dog also received Medicare stuff. I'm in my 40's, no one sends me any invites. My dog was 98 (14 dog years) before he p...
by furikake
Mon Oct 08, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can we safely retire early?
Replies: 18
Views: 3363

Re: Can we safely retire early?

If the market tanks 50% tomorrow, will you still be ok with your plan?
by furikake
Mon Oct 08, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5585

Re: Need Health Insurance (Non-ACA Options)

Not an expert in insurance, so forgive these ignorant questions: (1) What is a "short term" plan? Who offers them? Are there examples? (I'm aware of the ACA, of course, and the faith-based alternatives.) (2) I wasn't aware that "brokers" existed who offer assistance on health insurance matters. How...
by furikake
Mon Oct 08, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 5585

Re: Need Health Insurance (Non-ACA Options)

Talk to your broker, see if there is a group carrier who would insure just you as a group. In my state, small group plans are a lot cheaper than Individual unsubsidized plans. There is exactly one insurance carrier who would accept a group of 1 if all your other employees are all part timers. There ...
by furikake
Mon Oct 08, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10073

Re: What is your annual cost for health insurance?

$15k this year for a $5000 deductible $6050 out of pocket max per person HSA plan, 3 in our family. Will be $16,350 next year. We're on a pre-ACA small group plan, am waiting to see if I can negotiate it down some for next year.
by furikake
Fri Oct 05, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5356

Re: Mr. Money Mustache is the BOMB!

I think he shouldn't keep using "FIRE," he should just be talking about FI. There is nothing about RE that he's preaching at all since he's still working, and he is encouraging everyone to keep working on stuff they enjoy which is not a bad thing, but it is not RE. And the part about health care, un...
by furikake
Wed Oct 03, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another "Can I Retire Yet" Thread
Replies: 40
Views: 4886

Re: Yet Another "Can I Retire Yet" Thread

Just remember to include taxes into your number. If you think $102k is what you will use, that number should have taxes included already, so the actual amount that you can use is actually less than $102k.
by furikake
Tue Oct 02, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3215

Re: Anyone ordered a vehicle through a dealership?

I did when I bought my car in 2004. I knew somebody who knew someone who was a fleet salesman at a dealership 30 miles from here. He had him call me, we talked, I told him exactly what I wanted. Not that I could add a lot of options to a Honda SUV, I told him the model and the color I wanted, he sai...
by furikake
Tue Sep 25, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7564

Re: Fed up with health insurance situation

Prior to ACA many of us got turned away for having a pre-existing condition. That is one of the big worries for many of us - being uninsurable due to pre-existing conditions should the ACA go away. While I support the ACA and oppose efforts for it to "go away", a return to the pre-ACA rules would n...
by furikake
Tue Sep 25, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7564

Re: Fed up with health insurance situation

Interesting discussions - particularly those from the employer (buyer's) side of the equation. Someone mentioned association health plans (AHPs), which allow small business to band together for the purpose of obtaining insurance. I seem to recall my old actuarial study material saying something abo...
by furikake
Tue Sep 25, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7564

Re: Fed up with health insurance situation

sergio: you may want to also check into partially self-funded Small Group plans in your area. I'm in TX, depending on the group size, if the employer has 10 or more employees participating and they're young and healthy, the self-funded rates are much much better than the fully insured rates.
by furikake
Tue Sep 25, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Health care question - self employed- Whats your plan? Advice Needed
Replies: 24
Views: 2013

Re: Health care question - self employed- Whats your plan? Advice Needed

BCL78: we have a small group health insurance plan, it's a lot cheaper than regular individual plans, and it's tax deductible to the business. Depending on the setup of your business, if you qualify.
by furikake
Sun Sep 23, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: S Corporation vs. LLC Partnership Logistics
Replies: 17
Views: 1563

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: 61
Views: 9557

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: 1713

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: 61
Views: 9557

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: 60
Views: 4075

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: 2716

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: 456

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: 2886

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: 1895

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: 12191

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: 4316

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: 1938

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: 12244

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: 5095

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: 6860

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: 5537

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: 2978

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: 17328

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: 4196

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: 160
Views: 13004

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: 10481

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: 10481

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: 15721

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: 1419

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: 11230

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: 8254

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: 745

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: 3906

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."