Search found 100 matches

by seity
Wed Feb 26, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8585

Re: How quickly did you receive your 2019 tax refund?

I've not had a refund in almost decade, but the ECH debt always seems to come out of my account right away. From a pure economics standpoint, your goal should be to always pay the maximum possible at tax time without owing so much that you incur a penalty. How much that's actually worth to you depe...
by seity
Mon Feb 24, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8585

Re: How quickly did you receive your 2019 tax refund?

E-filed Fed and State 2/2 Accepted 2/3. Because I get the additional child tax credit the IRS hold my refund until mid Feb. I expect to see my Fed refund this week - status update claims on 2/26 . The state refund arrives usually a week later than Fed. Edit Fed refund arrived 2/26 as stated. State n...
by seity
Mon Feb 24, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13838

Re: Do you ever use cash?

It is interesting how soft we have all become. If the power grid ever went down a few days or we had a major terror attack on the grid you will wish you had cash . We just assume all the ATMs and grocery stores will have power. I am no prepper or doomsday nut, but I was a Boy Scout . Be prepared. N...
by seity
Mon Feb 24, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13838

Re: Do you ever use cash?

I only use cash if someplace doesn't take credit. Very rarely.
by seity
Fri Feb 21, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is it true that TSP no longer provides Q4 statement?
Replies: 5
Views: 389

Re: Is it true that TSP no longer provides Q4 statement?

The Q4 is now included in the annual statement. You can get transaction details from within the tsp site. But my "2019 Annual with Q4 summary" statement does not have the transaction details. What am I missing? Thanks. I don't know why that's not on the statement. Perhaps the Q1 will include that i...
by seity
Fri Feb 21, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is it true that TSP no longer provides Q4 statement?
Replies: 5
Views: 389

Re: Is it true that TSP no longer provides Q4 statement?

The Q4 is now included in the annual statement. You can get transaction details from within the tsp site.
by seity
Fri Feb 21, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 14
Views: 1351

Re: Basic HSA question

I keep the receipts in case I need the money, but right now it's all invested. I can upload the receipts right into the HSA when I'm logged in, but then not reimburse myself. So basically I have a digital record with receipts and all I'll I have to do if I want the money out of the HSA is click the ...
by seity
Thu Feb 13, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3980

Re: Yet another 2 -> 1 income thread

Based on spending you can afford for her to quit her job. She will not regret having time at home. You are way better off financially than we were, but we still found it well worth my husband quitting and staying home full time. Now that both our kids are in school we still find it beneficial to hav...
by seity
Wed Feb 12, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: NY Solar Farms- Scam?
Replies: 33
Views: 5105

Re: NY Solar Farms- Scam? Update

So I went through their website (solarfarmsny.com) and also emailed them. Here is what I understand of the process: -I sign up as a member of Solar Farms NY. No fee, but contact info including email needed -Solar Farms NY sends solar energy to the electricity company I use- in this case NYSEG -NYSE...
by seity
Wed Feb 12, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Boa reward points online category
Replies: 6
Views: 636

Re: Boa reward points online category

In my experience, almost none of my online purchases counted for the 'online purchase' category for BofA including purchases from online only sites.
I figure I'm better off using my 2% on everything card and leave the BofA set to dining for months when I can't get 5% on dining from another card.
by seity
Wed Feb 12, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7693

Re: What are your not free but still frugal hobbies?

You excluded my hobbies. Reading, video games from GOG, and free mobile games.
Although, I prefer to buy my books.
by seity
Tue Feb 11, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP and Annual Labs
Replies: 13
Views: 504

Re: GEHA HDHP and Annual Labs

I just had preventative blood work done for the first time last month. I have GEHA HDHP. They did it in house and I had my results a few hours later. I sure hope that GEHA covers it as preventative. When I looked on the GEHA website it said the Quest wasn't taking appointments for preventative bloo...
by seity
Tue Feb 11, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Avalanche, Snowball or Cash Flow Index? [Pay down debt]
Replies: 20
Views: 1041

Re: Avalanche, Snowball or Cash Flow Index? [Pay down debt]

You have 35k in cash and 30k in loans you are paying interest on. Pay them off and pay into the EF with the money you would have been paying monthly towards those until it's back up to where you want it. If you want a bigger EF, pay off all but the zero % CC's right away and then pay those off in fu...
by seity
Tue Feb 11, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP and Annual Labs
Replies: 13
Views: 504

Re: GEHA HDHP and Annual Labs

I just had preventative blood work done for the first time last month. I have GEHA HDHP. They did it in house and I had my results a few hours later. I sure hope that GEHA covers it as preventative. When I looked on the GEHA website it said the Quest wasn't taking appointments for preventative blood...
by seity
Tue Feb 11, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 765

Re: GEHA HSA contributions in H&R Block

I couldn't find anyway to override the 8889 in H&R Block, so I just left it be with the wrong lower amount in the box 9. The IRS will get a 5498-SA from the HSA and see that I did not overcontribute and how much was actually contributed for 2019. You can open up the form, right click on Line 9 and ...
by seity
Mon Feb 10, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 133492

Re: How much money do you want to retire?

Between 20-25 times my (family's) estimated yearly expenses in retirement.
So around 750K -1M should be plenty for the two of us to retire.
by seity
Mon Feb 10, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2048
Views: 217888

Re: [What TV Show Have You Recently Watched?]

Just started watching Locke and Key on Netflix. It's been a fun watch so far.
by seity
Mon Feb 10, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20394

Re: What is your most luxury/expensive hobby.

After reading the posts above, I am feeling pretty good about my relative frugality. I don't have any boats, planes, or horses. Our biggest splurge in recent memory has been 4 trips to Europe in the past 9 years. These each cost about $5,000 - $6,000. Something that I used to spend a lot of $ on (b...
by seity
Mon Feb 10, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20394

Re: What is your most luxury/expensive hobby.

Hockey. Since both my husband and I play and one of our two kids it's $1500 a year for ice time, plus another ~$200 to keep equipment fitting/functional from year to year. This is a huge expense for us, but I also feel worth it for the health benefits. I budget $150 a month to be able to come up wit...
by seity
Mon Feb 10, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 765

Re: GEHA HSA contributions in H&R Block

I couldn't find anyway to override the 8889 in H&R Block, so I just left it be with the wrong lower amount in the box 9. The IRS will get a 5498-SA from the HSA and see that I did not overcontribute and how much was actually contributed for 2019.
by seity
Wed Jan 22, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5409

Re: Talk me out of spending my tax refund

Texanbybirth wrote:
Wed Jan 22, 2020 10:55 am
AerialWombat wrote:
Wed Jan 22, 2020 10:54 am
Mlm wrote:
Tue Jan 21, 2020 7:45 pm
There should be a penalty for receiving a refund.
Don’t give the IRS any ideas...
It's literally impossible for us to not get a refund. There are some unique tax situations out there...
Same!
by seity
Fri Jan 10, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 94343

Re: What age did you reach 100K networth?

Mid 30's. Took about another 10ish years to get to 500k.
by seity
Thu Jan 09, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12166

Re: What Are Your 2020 Goals?

Read more books
Pay off at least 1/3 of CC debt
by seity
Thu Nov 07, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1246

Re: Health Insurance - HSA during birth year?

Get the non HDHP GEHA plan that covers maternity 100% I paid $0 out of pocket for both my care and the birth of my children. Then switched to the HDHP GEHA and started maxing my HSA contributions. FYI - I had two of the easiest, complication free, super fast easy labor & pregnancies ever, but hospi...
by seity
Thu Nov 07, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1246

Re: Health Insurance - HSA during birth year?

Get the non HDHP GEHA plan that covers maternity 100% I paid $0 out of pocket for both my care and the birth of my children. Then switched to the HDHP GEHA and started maxing my HSA contributions. FYI - I had two of the easiest, complication free, super fast easy labor & pregnancies ever, but hospi...
by seity
Thu Nov 07, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1246

Re: Health Insurance - HSA during birth year?

Get the non HDHP GEHA plan that covers maternity 100% I paid $0 out of pocket for both my care and the birth of my children. Then switched to the HDHP GEHA and started maxing my HSA contributions. FYI - I had two of the easiest, complication free, super fast easy labor & pregnancies ever, but hospit...
by seity
Mon Nov 04, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2944

Re: Fed dental plans in 2020: keeping, dropping or switching?

I skip dental unless there is thousands of dollars of dental work needed. (Basically never) What I pay out of pocket is almost always less than the cost of the plan. Having the preventative cleanings covered for my family via HDHP is all the coverage we need.
by seity
Thu Oct 03, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22850

Re: Capital One 360 shaking up savings accounts

I have a savings account at 360 with basically nothing in it and another for my son. It's a joint account, but he is the owner. I'm wondering how complicated it would be to open similar accounts at the higher rate? Anyone who opened an account know if the application had information for creating a j...
by seity
Thu Oct 03, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How does one find dentists who would provide cleaning under GEHA HDHP
Replies: 6
Views: 668

Re: How does one find dentists who would provide cleaning under GEHA HDHP

I currently have GEHA HDHP. I have never had an 'in network' dentist on my various insurance plans because the only dentists local who are considered 'in network' near where I live are all hacks. I have used this same dentist for years and years and simply paid out of pocket. When I switched to GEHA...
by seity
Tue Jul 02, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 20614

Re: How much should I have saved for retirement by age 40?

It's completely individual! Successful (future) retirees may have $1M by age 40 while others may have just $100k.. Exactly this!!! I had about 100k at 40. I am on track to successfully retire at 57. I have never earned over 100k, so what I need is not going to be the same as someone who earned and ...
by seity
Tue Jul 02, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 20614

Re: How much should I have saved for retirement by age 40?

It's completely individual! Successful (future) retirees may have $1M by age 40 while others may have just $100k.. Exactly this!!! I had about 100k at 40. I am on track to successfully retire at 57. I have never earned over 100k, so what I need is not going to be the same as someone who earned and ...
by seity
Mon Jun 17, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1722

Re: Dental/Vision Insurance for Baby

My kids have good teeth genetics from both sides of the family. They are 6 and 9 and we don't have dental insurance. Although we only have preventative coverage through the health insurance for anyone. If some dental work needs were to arise, we would purchase dental insurance for 1 year if it would...
by seity
Wed Jun 05, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 5053

Re: Are you missing a $15,000 payment from CRB FREEDOM?

Reminds me of a time I had an account with $200k show up in one of my banks. It was a new account and happened to show up on my birthday. I didn't have to do anything because it was gone the next day. I'm sure they just tagged it to the wrong user account, but wow that was a surprise to see. I could...
by seity
Wed Jun 05, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 6801

Re: Would you buy a house without a garage?

I live in a snowy climate. The garage has a support pole in the middle that makes parking cars in it a pain although doable. However, the opening is not tall enough to allow us to park the truck in it. We park both vehicles on the driveway and use the garage as a workshop/brewery/storage for lawnmow...
by seity
Tue Jun 04, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 6631

Re: Is it Wise to Remove Escrow if Bank Allows it?

I have no problem with my bank holding the escrow. They are a small local CU and pay 2% interest on the money in escrow, and have since I switched my mortgage over to them. There's no risk of them selling it to anyone else and it meant a lower interest rate on my mortgage. I could just as easily pai...
by seity
Tue Apr 23, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 53
Views: 6095

Re: Not Maxing 401K OK?

I can't max and will never be able to max my retirement savings. I support a family of four on my income in an area that is not a low cost of living area. You make almost double what I bring in, have a lot more money saved already than us, and you're younger. 30% of my salary goes just to the mortga...
by seity
Fri Jan 25, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 2962

Re: Waterpik

When I first got it I had it around 6, but then I took it to the dentist with me for a free consult with the hygienist and they showed me better technique while using it and recommending the max setting. I've had it at max ever since. It also definitely improved my overall gum health, so I feel it w...
by seity
Tue Dec 18, 2018 4:00 pm
Forum: Personal Investments
Topic: New to taking control
Replies: 5
Views: 387

Re: New to taking control

ExitStageLeft wrote:
Tue Dec 18, 2018 3:12 pm
You've probably already considered it, but how will a $1,000 IRA contribution change your taxes compared to $300?
It won't change anything. The $300 contribution means that I'll owe $0 instead of $350. The extra $700 doesn't make any difference as the credits I qualify for are all non refundable.
by seity
Tue Dec 18, 2018 3:02 pm
Forum: Personal Investments
Topic: New to taking control
Replies: 5
Views: 387

Re: New to taking control

I know his EJ is a ROTH account, but I will need to check on the kid's accounts. Even if we had to pay taxes, both accounts are very new, I'd be surprised if they even had $1000 in them. I was planning to do an in-kind move and was reading some posts on the best way to do that. NY protects all retir...
by seity
Tue Dec 18, 2018 2:06 pm
Forum: Personal Investments
Topic: New to taking control
Replies: 5
Views: 387

New to taking control

I've been following along reading posts and generally learning about the 3 fund portfolio for over a year now. I have always done my own taxes and at the end of this year I got an unexpected bonus which pushed me $200 over the limit to get the savers credit with no time to adjust my 401k withholding...
by seity
Fri Nov 09, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Double-check your contributions to tax-advantaged accounts this time of year
Replies: 15
Views: 1876

Re: Double-check your contributions to tax-advantaged accounts this time of year

I just had to do this because I realized that I'll be getting a 27th pay check this year and I had done all my 401k and Roth withholdings based on a 26 pay check year. I was suddenly 1 paycheck overpaid for my carefully balanced taxes, so now my last 3 paychecks are going to be extra small (just in ...
by seity
Wed Nov 07, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 16950

Re: How much money are you leaving your kids after you die?

yousha wrote:
Tue Nov 06, 2018 5:09 pm
My plan is to Die Broke!
Glad to see I'm not the only one. :D
by seity
Tue Oct 16, 2018 8:43 am
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 63210

Re: Time to reach 1M and 2M milestones

After 20 years, I'm not even halfway to 1M. I highly doubt I'll ever reach 1M, but my goal is 750k to retire and another 15 years might get me there.
by seity
Wed Sep 12, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 2152

Re: 1 year old birthday

livesoft wrote:
Wed Sep 12, 2018 2:55 pm
alfaspider wrote:
Wed Sep 12, 2018 2:12 pm
Have a beer with your friends :sharebeer
We do that just because we survived a week. :)
We do that just because we survived the day! :sharebeer
by seity
Wed Sep 12, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 2152

Re: 1 year old birthday

We didn't have any family in the area, so for our kids 1st through 4th birthdays, it was just us at home and a cake after dinner. No party. Once they were in pre-k and had friends to invite, we did parties.
by seity
Mon Sep 10, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 8151

Re: Anyone else playing catch-up in their 40's?

45 with a medium paying job in a med/high col area. I tried to start saving early, but have never managed to be able to put more than 5-10% towards retirement and still afford a place to live and food. Getting married and having kids in my late 30's meant taking on a lot more expenses on one income....
by seity
Wed Sep 05, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 5533

Re: How much do you spend on kids extracurriculars?

Two boys ages 5 & 8:
Cub scout 2 x $40/year
Fall Soccer 2x$25
Winter Hockey 1x$425 (1 is free until he turns 7)
Spring T-ball 1x$40
Summer $170 family pass to pool

About $1200 a year, so $100 a month
by seity
Wed Aug 08, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 17809

Re: Will you pay for your kids' college/graduate education?

If I somehow win the lottery that I don't play, sure. Otherwise, they are on their own.
I don't know that we will have the money to help pay for college assuming they decide they want to go to college and not take a different path in life.
by seity
Fri Aug 03, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 15305

Re: Is solar power for your home a worthwhile investment?

For my home, No.
We are shaded by trees making solar pretty much useless and our cost of electricity is not that high. I have considered investing in the community solar project that is just starting in the area, but haven't run the numbers.
by seity
Fri Aug 03, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2753

Re: Charitable giving strategy

When I can, I give a little to the local food bank. The idea that there are school kids who go hungry over the weekend is something that breaks my heart. About 70% of the kids at my son's school are on the free or reduced lunch program.