Search found 128 matches

by Edie
Wed Aug 21, 2019 2:45 pm
Forum: Personal Investments
Topic: Pensions and planning
Replies: 18
Views: 1094

Re: Pensions and planning

I do it both ways. I know I am saving 20% in my 401a separate from the pension, and then to make me feel a little better about "how little I take home", I remember that it's almost 33% when I add in my portion of pension contributions. I'm hoping to use the pension as a floor of income, but things c...
by Edie
Mon Aug 19, 2019 1:35 pm
Forum: Personal Investments
Topic: Payflex HSA fees announcement
Replies: 6
Views: 2478

Re: Payflex HSA fees announcement

Fees are back :annoyed Sharing for others who may not have seen. From an email I received: Effective October 1, 2019, you’ll notice the following updates regarding your investment account and platform: ... A minimal monthly fee to your investment account. The fee is .02% of your investment account b...
by Edie
Wed Feb 20, 2019 11:40 am
Forum: US Chapters
Topic: Arizona Chapter
Replies: 118
Views: 18410

Re: Arizona Chapter

Added to my calendar. Thank you for organizing!
by Edie
Tue Feb 05, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: What does financial peace look like to YOU?
Replies: 64
Views: 6135

Re: What does financial peace look like to YOU?

When the last kid graduates college (5.25 years from now, hopefully) and the mortgage is paid off (13 years at current payment, but with kids done with college, may accelerate our payments). After that, we'll be debt free, and just have to worry about "regular expenses". Currently, we're in the mids...
by Edie
Fri Feb 01, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11842

Re: How much do you keep in checking?

$100 in checking. When the paycheck comes in, we pay all of the bills and anything above $100 gets invested or the added to the cash fund in the Vanguard Federal Money Market sweep account. I believe the money should always be working for us. We float using the credit card. The credit card company ...
by Edie
Thu Dec 13, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1668

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

I say the examples listed thus far in the thread as follows: five twenty nine four oh one k four oh three b four fifty seven b five oh one c three I think that my pronunciations are pretty consistent, if the number has a zero in it, I say oh, rather than getting into hundreds, and if there isn't a z...
by Edie
Thu Dec 13, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12075

Re: Robinhood to launch 3% Checking & Savings Accounts

Thanks for the heads up. I'm 16,xxx in line :P Pretty happy about that number tbh, considering how many Robinhood customers there are.
by Edie
Thu Dec 13, 2018 10:14 am
Forum: Personal Investments
Topic: 2019 Roth IRA Contributions
Replies: 15
Views: 1076

Re: 2019 Roth IRA Contributions

Am not. Will still be doing 2018 contributions, as we are perpetually behind. I save 30+% in workplace contributions, but haven't caught up to being able to get IRA contributions completed in the calendar year to which they apply. Someday!
by Edie
Thu Dec 13, 2018 9:35 am
Forum: Personal Investments
Topic: Tax question-above the line
Replies: 31
Views: 2605

Re: Tax question-above the line

Aha. Gotta hate legalese. In any event, it’s a grand I didn’t know about last week! Do you have advice for what I should do with it? It is a non-refundable credit so it is only a grand IF your pre-credit tax liability is at least a grand. With an AGI of $17,500 and standard deduction, your pre-cred...
by Edie
Tue Dec 11, 2018 1:28 pm
Forum: Personal Investments
Topic: HSA question
Replies: 5
Views: 531

Re: HSA question

A separate consideration.

Did you have an FSA this year with your "regular" health plan? If you did, I believe you are ineligible for an HSA in 2018, unless you changed jobs and the FSA and HSA thus don't overlap.
by Edie
Wed Dec 05, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 13
Views: 1583

Re: HSA question

HSA eligible plans have other requirements such as not covering ANYTHING other than ACA mandated preventative care until the deductible is met. That's the key point. If it has a high deductible but you only pay a co-pay for an office visit or prescription drugs before the deductible is met, it's no...
by Edie
Mon Dec 03, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4692

Re: Home Purchase Price vs. Gross Income

When we bought in 2010, I was in my second to last semester of college (went back after 10 years SAHPing), the purchase price (PP) was 2.57x my to-be-spouse's then income. 9 months after we bought, PP went down to 1.22x combined salaries due to my new job. My now-spouse is since disabled/retired, bu...
by Edie
Fri Nov 30, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1934

Re: HSA Help/Tax Expert Needed

And don't plan any future medical services for Jan-March, until they align their plans with the calendar year. I should re-phrase the last part to "until they stop making employee choices retroactive." There's no problem with not being aligned with a calendar year. In fact, I worked for a school di...
by Edie
Tue Nov 13, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: HSA option only has in-network benefits, open enrollment dilemma
Replies: 7
Views: 997

Re: HSA option only has in-network benefits, open enrollment dilemma

Please clarify only in-network benefits. Is there no deductible (and then coinsurance) or out of pocket max for out-of-network expenses? If there isn't even an OOP max for out-of-network, I would forego the HSA, because I am risk averse, and we often travel outside of our geographical area, where we...
by Edie
Wed Nov 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15126

Re: How much money did you receive from family? (Gifts/inheritance)

My mom paid for a year's rent on a house when I took my three kids and left an abusive marriage (moving a couple states away in the process). Probably 10k, but worth more than anything. As much as my mom and I don't get along, she enabled my freedom and through that freedom I was able to get my coll...
by Edie
Wed Nov 07, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 36
Views: 5246

Re: FreeTaxUSA.com now has 2018 Return available.

Thanks for the post, it reminded me to go check taxhawk.com's website and they also have opened the 2018 returns, so starting mine later today. Will send reminder emails to the two college kids to start theirs too.
by Edie
Tue Oct 23, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1408

Re: How do you evaluate HDHPs?

We are incredibly lucky with the insurance premiums for all of the options at my employer, but the HSA still wins out by a large margin. Subtracting the employer HSA contribution from the premiums, the HDHP costs us $25 a year. The other plans cost >$3000 in premiums, with no contributions to any sa...
by Edie
Tue Oct 09, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay this car loan off?
Replies: 17
Views: 955

Re: Best way to pay this car loan off?

The interest should be the accrued interest from the last payment. If you make a payment of 500 dollars and the interest accrued is 12 dollars, your principal owed would go down by 488 dollars. You could alternatively make a payment of 100 dollars, the accrued interest would be 12 dollars and your p...
by Edie
Tue Oct 09, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14337

Re: What is your annual cost for health insurance?

For 2019, as information just came out (however, no change in premiums for the HDHP plan we use, so same medical numbers for 2018). We are incredibly blessed with our insurance, and I will not be changing jobs anytime soon because of it. The switch from my previous employer to this one was an immedi...
by Edie
Thu Aug 02, 2018 9:20 am
Forum: Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3765

Re: HSA's - when does it make sense?

General question about HSAs. When does it makes sense to fully contribute to my HSA and use it as an investment strategy? If I follow the prioritizing investments wiki ( https://www.bogleheads.org/wiki/Prioritizing_investments I would fully contribute to my HSA. Below are my available funds. In add...
by Edie
Wed Aug 01, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2807

Re: Should I buy new Nissan Leaf?

I just bought a used 2015 with 14k miles for that price, I wish I had the option you do :shock: :) I also "replaced" a Prius (sold it to my son, so it's still at the house if I want to borrow it). I would have kept my Prius another 6 years at least (seriously love that car), but my son was going to ...
by Edie
Tue Jul 31, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 587
Views: 141414

Re: Money saving ideas?

I disagree with your #11. I don't know if we're allowed to link to external websites, but you can google xkcd gas prices for why. As long as copyright is not violated, that's fine. A simple link does not (normally) violate copyright: xkcd: Working A direct link to an image with proper attribution i...
by Edie
Tue Jul 31, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 587
Views: 141414

Re: Money saving ideas?

[Thread merged into here, see below. --admin LadyGeek] There seem to be a lot of younger bogleheads looking for advice on funds, homes, mortgages, etc. Perhaps they would benefit from some of the money saving ideas of us older members? I will give some of our money saving ideas: 1. Take your lunch ...
by Edie
Fri Jul 06, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest quality online tax preparation software?
Replies: 8
Views: 533

Re: Cheapest quality online tax preparation software?

I've been using taxhawk(.com) since 2008. I used to compare every year (until maybe 2013?) to both turbotax and H&R Block, and they were straight in line with those software packages. Federal is free (can buy audit assist for a small fee ($7 IIRC)), and state is around 15 dollars. Edit - I just chec...
by Edie
Thu Jun 21, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 3577

Re: Buy new truck before retiring?

I am hooked on this math puzzle! Only one of you is right and it looks like I need a bigger napkin to find out who is right! carl53 is correct. :beer https://www.carmax.com/research/mpg-calculator Input 13 for car 1 mpg, 24 for car 2 mpg (being generous for the new truck, but it serves to illustrat...
by Edie
Sun Jun 10, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1147
Views: 323239

Re: Share your net worth progression

If you had a retirement plan that was worth 200K if you just quit and transferred to an IRA, but was worth 60K a year in income for life starting at age 40 if you retired. How would you reflect it in your net worth? Because when you retire you take a 200K hit to your net worth, but receive an incom...
by Edie
Thu Jun 07, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 91
Views: 7157

Re: How much to budget for a week long vacation for 2?

We spend more per person when there are just 2 of us than when there are 6 of us. For 2, it doesn't seem outrageous to eat out in restaurants 2-3 times a day, but when we vacation with the kids in the same location (kitchen included, whether it's 2 or 6), we do a lot more meals in the room (or broug...
by Edie
Wed Jun 06, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Insurance for non-married couples
Replies: 17
Views: 1138

Re: Insurance for non-married couples

Also, umbrellas do more than protect your current assets, they protect you from claims against your future income as well. If you have a judgement against you of 500k, you'll still owe whatever's left after they take what they can get from you now. You should both have an umbrella policy, since unti...
by Edie
Tue Jun 05, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9016

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

2016 - 65.5% net to gross ratio, including bonus (4.5%) because it was easier to just look at last paycheck for 2016 than to subtract that out. 25% of the deduction was for tax deferred savings or health insurance (I did my HSA deposits outside of payroll in 2016, so not included in these figures),...
by Edie
Thu May 24, 2018 2:24 pm
Forum: US Chapters
Topic: Arizona Chapter
Replies: 118
Views: 18410

Re: Arizona Chapter

I'm so sorry that I missed this notice, but I would very much like to be included in future notices. Live in the west valley, office is downtown.
by Edie
Mon May 21, 2018 9:47 am
Forum: Personal Investments
Topic: 457: Trad or Roth?
Replies: 14
Views: 983

Re: 457: Trad or Roth?

Are you required to take your pension when you stop working? Could you not stop working and use some of your tax-deferred money until a future date when you start your pension? This would be like funding gap years until social security for people in that realm, but you would be funding gap years unt...
by Edie
Wed Apr 25, 2018 9:58 am
Forum: Personal Investments
Topic: Strategy for investing in HSA
Replies: 13
Views: 2580

Re: Strategy for investing in HSA

We have a monthly fee that happens when we invest in our HSA that on a percent basis I'm not comfortable with while we've been starting to accrue inside the HSA. As our balance grows to a point where the flat fee drops as a percent, I expect that we will keep just the out of pocket max in our cash a...
by Edie
Wed Mar 07, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 8185

Re: Donations to your enrolled public school

We currently donate* between $4-600 a year to our kids' high school, but when they graduate (two years more for youngest), we'll either split the donation*, or alternate years, between the high school and the K-8 elementary school. Our property taxes are less than $2k a year, since people have been ...
by Edie
Wed Mar 07, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 10483

Re: 30-Day Minimalist Challenge

Getting 465 items would be a piece of cake for me. Getting them past the wife is the impossible task. Why we still have onesies when our youngest is 17 is beyond me. We have 2 boxes of "baby saves". The youngest is 15, oldest is 20. The oldest wore a dress home from the hospital that I wore on my f...
by Edie
Wed Mar 07, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 20206

Re: HSA family max contribution lowered to $6850 for 2018

Thank you for bringing this up. I hadn't seen it before your post. Glad I haven't maxed it yet, but good to know I need to make a change in payroll deduction.
by Edie
Wed Mar 07, 2018 9:01 am
Forum: Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 4868

Re: Switching to online bank. Keep brick/mortar bank account open?

Most of my banking is through Ally, but I still keep my Wells Fargo account because I can't figure out how to change on the OAG's site where (increasingly infrequent :annoyed ) child support payments should be deposited. It's actually quite a hassle because Wells Fargo's minimum deposit for my check...
by Edie
Fri Mar 02, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Withdraw Strategy
Replies: 9
Views: 877

Re: HSA Withdraw Strategy

If you have Roth space available and you can move the HSA money to a Roth, that will make your future record keeping and withdraws much easier. Can you please expand on this, I'm not sure I understand. If you're not maxing your Roth already, and can afford to not "keep" the HSA reimbursements (i.e....
by Edie
Wed Feb 28, 2018 3:02 pm
Forum: Personal Investments
Topic: Roth IRA or 401K $ for my daughter to college?
Replies: 14
Views: 1218

Re: Roth IRA or 401K $ for my daughter to college?

Fill out the FAFSA. Without it, your only options for loans will be private lenders (with likely no deferment or forbearance options in the event those are needed). Don't raid your retirement until/unless you have no other options, and not even then. Community college for the first two years is not ...
by Edie
Wed Feb 28, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 10076

Re: Physical cash

I don't like cash (I worked in the cash office of a warehouse club store for a couple years, and used to handle between 20-100k a day in bills depending on the season),and avoid carrying it. If I have it, it will last a long time as I don't want to deal with it, I can't track it on mint without hass...
by Edie
Wed Feb 21, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 586
Views: 49510

Re: What UN-frugal thing do you do?

Vacations. We have spent more than we "should" in the past 3 years, but I'd do every single one of them again. We've gone to the beach 3 full weeks a year (spread out over the year, not in one lump) for the past 3 years. It's 4 hours away, and our kids (teenagers) all get along there (seriously, not...
by Edie
Wed Feb 14, 2018 1:59 pm
Forum: Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 4195

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

If you owe tax but the government is paying it (through the credit), but you now have after-tax (and "tax-free" since the government paid the tax) dollars saved for retirement, you are better off than before when you had no tax, and you had pre-tax dollars saved for retirement. I would play with TT ...
by Edie
Tue Feb 13, 2018 2:43 pm
Forum: Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 4195

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

Don't contribute to just one Roth IRA. I would actually have your wife open one as well and contribute there first. Your 401k contributions qualify you for the saver's credit, but you can get saver's credit for her contributions as well (the credit is calculated off the first $2000 contribution from...
by Edie
Tue Jan 30, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: US Stock market drop - effect on 401k contribution / purchases
Replies: 10
Views: 2150

Re: US Stock market drop - affect on 401k contribution / purchases

In your account, there should be a place to look at transactions. The purchase transaction should list how many shares were purchased.
by Edie
Tue Jan 30, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: The housing nowadays
Replies: 64
Views: 7818

Re: The housing nowadays

The housing euphoria is in full force among my mid-20's to mid-30's peer group. Most everyone I know is obsessed with buying a house. The justifications range from fear of getting priced out of the market to the "it's an investment" fallacy. A trick many of them are using to buy houses that they ca...
by Edie
Tue Jan 30, 2018 11:36 am
Forum: Personal Investments
Topic: Contributing more than earned income to Roth 401(k) + IRA
Replies: 5
Views: 766

Re: Contributing more than earned income to Roth 401(k) + IRA

I'm not an expert, but I believe this is acceptable. Consider all the threads where someone states that they're going to match their kid's investment in a Roth IRA, or straight out fund it for them up to their earnings. If this is acceptable for parents, or consider spouses who fund Roth IRAs for at...
by Edie
Thu Jan 18, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mint vs Personal Capital
Replies: 25
Views: 6448

Re: Mint vs Personal Capital

I use both. I prefer Mint for their budgeting/tracking abilities (it is a serious pain to change categories in Personal Capital, even with the improvement to include custom categories), and Personal Capital for investment tracking (you can add tickers or cusips to your investments, if not automatica...
by Edie
Wed Jan 10, 2018 10:03 am
Forum: Personal Investments
Topic: Beginner: How Many Of You Take The Retirement Savings Credit?
Replies: 8
Views: 1182

Re: Beginner: How Many Of You Take The Retirement Savings Credit?

We get the retirement savings credit. We have hovered around the top income limit for the past few years, so our decision making is always centered around how much of my spouse's $2000 IRA contribution goes into a Roth or traditional IRA to get us under the limit, and that's figured out in late Janu...
by Edie
Mon Jan 08, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1147
Views: 323239

Re: Share your net worth progression

Decided to share even though not as impressive as others. I only have approximate #s in the earlier years, since I didn't actually track until 2012 when I became eligible for 401k at work. Loans and investments only, mortgage/equity is left out of the calculations because our house is where we live...
by Edie
Tue Dec 19, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 3624

Re: Memories over money

We have stopped doing Christmas/birthday gifts (within our immediate family), and now use that money for 1-2 extra vacations per year. With 6 people in the family, and the beach 4 hours away, we get a lot more enjoyment out of staying at the beach for a week with everyone than shopping or handing ov...