Search found 77 matches

by seity
Thu Nov 07, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1062

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: 1062

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: 1062

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: 24
Views: 1960

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: 34
Views: 11266

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: 568

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: 19199

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: 19199

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: 1629

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: 4874

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: 6515

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: 6133

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: 5802

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: 2815

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: 373

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: 373

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: 373

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: 1838

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: 16605

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: 60357

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: 2075

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: 2075

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: 7822

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: 5400

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: 17364

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: 14292

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: 2648

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.
by seity
Tue Jul 24, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off highest APR or highest balance?
Replies: 20
Views: 1267

Re: Pay off highest APR or highest balance?

I'd pay off the highest apr first, put the rest toward the lower apr and then find a 0% card to transfer the remainder of the balance.
by seity
Tue Jul 17, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 8310

Re: Families - What's your total annual credit card spend?

About 25-30k/year. Family of 4, everything except the mortgage and some utilities that would charge a fee if I paid that way.
by seity
Fri Jul 06, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Carpenter Bees- HELP!
Replies: 17
Views: 2344

Re: Carpenter Bees- HELP!

We solved the problem of the carpenter bees, carpenter ants, and woodpeckers, by replacing the wood siding with vinyl. Never had a problem since then.
by seity
Mon Jul 02, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 18
Views: 2025

Re: Pay Off Debt or Max Out 401k?

I am in a similar boat with $25k of cc debt for medical expenses that were 1 time things. My current 0% will run out in Oct. I'm currently putting $400-500 a month to pay it down, but still putting 12% toward retirement. I am much lower tax bracket though (12%). I will transfer the debt again to ano...
by seity
Tue Jun 26, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 105
Views: 14466

Re: $1 million house--- sanity check

If you are only talking 1-2 kids, 1500 sq ft house is more than enough space. I'd be happy for a house that big for our family of 4. I think a 3000 sq ft house is obnoxiously big.
by seity
Thu May 24, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 7786

Re: What’s your phone/internet bill?

Phones two @ $30/month Virgin Mobile = $60
Internet $45/month Spectrum up to 100 mbps (really the only option for high speed) Cancelled for 1 month to come on at new customer price. Good for 12 months. Previously had been paying $60 for 20 mbps
by seity
Wed May 09, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card payment allocation?
Replies: 7
Views: 1256

Re: Credit card payment allocation?

It really depends on the card. I have a Bank of America card that I did a 0% interest balance transfer to. The 0% on that transfer still had about 8 months left on it when I got another 0% balance transfer offer. I did a second balance transfer to the card and all payments go toward the balance tran...
by seity
Wed Apr 18, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 37027

Re: How old are you and how much do you save for retirement a year

45 married with 2 kids and a SAHD
I save 12% a paycheck. It's the most I can afford to put towards retirement without drawing blood.
by seity
Thu Feb 22, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 578
Views: 47186

Re: What UN-frugal thing do you do?

Quality food (meat and veggie csa's/buy local).
The whole family plays hockey.
I eat lunch out most of the week. We don't eat out for dinners, so I don't mind spending a little extra on my lunch during the work week.
by seity
Thu Jan 11, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Use Roth401k to take full advantage of Child Tax Credit?
Replies: 6
Views: 776

Re: Use Roth401k to take full advantage of Child Tax Credit?

One other thing to consider t401k vs r401k is that if you contribute enough to the 401k traditional so your income is under $63,000, so you can take advantage of the savers credit as well.
by seity
Mon Jan 08, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 13432

Re: How much are you putting in a 529?

Nothing.
2 kids in NY. If I ever get to the point where I can max out my retirement, I'll consider it, but highly doubt I'll ever reach that point, so a 529 is out of the question. My kids are on their own for their post high school endeavors.
by seity
Fri Jan 05, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA account set up help
Replies: 25
Views: 2401

Re: Federal Employee HSA account set up help

I went with the GEHA HDHP myself and got my HSA Bank welcome package with account number last week. I've set up HSA allotments beginning with PP1 of 2018 (you can Google the ABA routing number) so hopefully it should work ok. I'd be careful here. I'm in the same boat, and reading the FAQ very caref...
by seity
Thu Jan 04, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 922

Re: Annual Maintenance Contract - Worth it?

I have an annual maintenance contract on our furnace/hot water heater/air conditioner. All are brand new and the contract covers annual maintenance and 100% of all repair, parts and labor. It has absolutely been worth it for us. Just to have someone come out and look at an issue costs $65 without t...
by seity
Thu Jan 04, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 922

Re: Annual Maintenance Contract - Worth it?

I have an annual maintenance contract on our furnace/hot water heater/air conditioner. All are brand new and the contract covers annual maintenance and 100% of all repair, parts and labor. It has absolutely been worth it for us. Just to have someone come out and look at an issue costs $65 without th...
by seity
Wed Dec 13, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14316

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

About $8700 age 44
Most to a Roth vs taxable
by seity
Wed Dec 13, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 14007

Re: 2018 financial goals - what are yours?

Pay off half the CC debt.
by seity
Wed Dec 13, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 7037

Re: Can we afford to live on one income?

I think you can easily do this. My husband stayed home with our kids and I make less than half your salary and we live in a high cost of living area. We didn't really have the option of him working because childcare costs in this area are higher than any salary he would have brought in, but we also ...
by seity
Wed Dec 13, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 2541

Re: Teaching elementary school kids about money

We have a local credit union with a wonderful program that works with the local schools. The kids can open a savings account and once a week there is a table manned at the school by parent volunteers where the kids can deposit money into their account (even just 2-3 cents). The bank collects the dep...
by seity
Tue Dec 05, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 307930

Re: Share your net worth progression

Didn't start tracking before 2013 Dec 2013 $338,500 (kid #2) Dec 2014 $340,500 (Raise to 60k) Dec 2015 $375,500 Dec 2016 $370,500 (Lots of medical and home ownership expenses) Dec 2017 $410,500 (Raise to 70k) Single income, family of 4, includes home equity. My husband is a SAHD Me age 44 Husband ag...
by seity
Tue Nov 14, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 54
Views: 10801

Re: 2018 FEHB HDHP Recommendations

I have had GEHA with an FSA and am looking to switch to the GEHA HDHP with HSA this year. The past two years we had a lot of unexpected medical expenditures and so I made a spreadsheet comparing if I'd been on the HSA to what I actually paid and found that two years ago the HSA would have cost me al...
by seity
Wed Nov 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6596

Re: Poll-How much do you have in your HSA?

Don't have one. Wasn't an option until recently. Maxed out FSA past two years and spent every penny on medical expenses plus a little. Not sure its worth switching to a HDHP with an HSA. Would have been great in years past before kids when I only ever had preventative care to worry about. You know,...
by seity
Tue Nov 07, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6596

Re: Poll-How much do you have in your HSA?

Don't have one. Wasn't an option until recently. Maxed out FSA past two years and spent every penny on medical expenses plus a little. Not sure its worth switching to a HDHP with an HSA. Would have been great in years past before kids when I only ever had preventative care to worry about.
by seity
Thu Oct 05, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 5588

Re: another 2 comma club member

Congratulations. That is my FI goal for retirement. My current mini goal is to reach half that in the next 5 years.