Search found 24 matches

by alerya
Sun Nov 17, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Deal finding websites
Replies: 10
Views: 1191

Re: Deal finding websites

In addition to what's already been mentioned, keep in mind that some sites, such as BuyBuyBaby and Graco, offer promotional codes/coupons for discounts like 20% off.
by alerya
Fri Nov 08, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5887

Re: Early Financial Independence. - Healthcare costs

This, when we put the interest and dividend income as $24,000 or so, it came to $240 with a 8 K deductible. Be sure to look at the silver plans. They also qualify for reduced deductibles ("cost sharing") depending on your income. At $24k taxable income, your deductible may also be close t...
by alerya
Wed Nov 06, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1295

Re: Health Insurance - HSA during birth year?

Congratulations! You will certainly hit your out of pocket max when your wife has the baby, so to compare plans, you'll want to add YOUR annual cost for the premium to the out of pocket max. For the HSA plan(s), deduct any employer contributions to the HSA as well as any tax savings on the HSA cont...
by alerya
Wed Nov 06, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1295

Re: Health Insurance - HSA during birth year?

Congratulations! You will certainly hit your out of pocket max when your wife has the baby, so to compare plans, you'll want to add YOUR annual cost for the premium to the out of pocket max. For the HSA plan(s), deduct any employer contributions to the HSA as well as any tax savings on the HSA contr...
by alerya
Fri Aug 30, 2019 7:50 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 56674

Re: GEICO auto rates vs. USAA: too good to be true?

I switched to Geico about 2 years ago. The savings were substantial. So far, there have been no rate increases (unlike my experiences with Liberty Mutual and Esurance prior to that). This includes no rate hike following a claim for a not-at-fault accident last summer. I had no issues with the claims...
by alerya
Tue Nov 27, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Using equity in my current home to help buy my next one?
Replies: 7
Views: 1231

Re: Using equity in my current home to help buy my next one?

I recently took out a HELOC (before listing my home for sale) and used the line of credit for the down payment on another home. Our former home is under contract, and once the sale closes, the HELOC will be paid off with the proceeds from the sale. We had to be approved to cover the remaining mortga...
by alerya
Thu Sep 20, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Another mortgage repayment thread..
Replies: 30
Views: 2487

Re: Another mortgage repayment thread..

Find a zero cost HELOC. Then pay down the mortgage. It's what I did. What is a "Zero cost HELOC"? Are there lenders out there I don't know about that are willing to give you a $200k loan that has no interest? Borrowing money usually has a cost attached (putting aside 0% car loans.) Or are...
by alerya
Thu Jun 14, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: recommendations for HELOC? does it matter to pick the cheapest rate?
Replies: 11
Views: 2191

Re: recommendations for HELOC? does it matter to pick the cheapest rate?

I recently opened a HELOC with DIgital Federal Credit Union. Specifically, I was looking for a HELOC with no minimum draw and zero costs (no closing costs or annual fee). We closed last month and there were no surprises. If you do draw on the HELOC for a large purchase, they also allow you to lock i...
by alerya
Mon May 07, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Birthday rule for newborn insurance? Trying to add baby to dad's plan, not mom's...
Replies: 4
Views: 1459

Re: Birthday rule for newborn insurance? Trying to add baby to dad's plan, not mom's...

OP, not sure if this applies for all plans, but when I had my daughter in September of last year, the 30 day rule essentially meant that the baby was covered under MY name for the 30 days following her birth. The hospital billed everything under only my name. So we only owed my own deductible and OO...
by alerya
Sun Apr 22, 2018 8:47 pm
Forum: Personal Investments
Topic: 401k Guidance
Replies: 4
Views: 803

401k Guidance

Hi all, My husband has just started a new job, and we need help choosing the best fund choices for a standard Boglehead 3 fund portfolio or similar low fee target date fund. I am unfamiliar with the majority of these options, but on first glance I don't see many great low cost choices available. Add...
by alerya
Wed Apr 04, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: SoFi refinancing
Replies: 7
Views: 1026

Re: SoFi refinancing

I agree with others who suggested continuing to shop rates. I have refinanced student loans a couple of times in the past, including just last month, and both times SoFi did not offer the most competitive rates for us. This last time, the rate they offered was about 1.75% higher than the rate we end...
by alerya
Wed Mar 21, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Pay off student loan with mortgage refi?
Replies: 10
Views: 1280

Re: UPDATE: Pay off student loan with mortgage refi?

How did you get a mortgage rate of 2.99% earlier this month? Wowsa. Congrats! Thanks! It's actually a home equity product offered by a local credit union (Pawtucket Credit Union for anyone in the RI/MA area). The only "catch" is that you need a LTV of 80% or less and the maximal loan term...
by alerya
Wed Mar 21, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Pay off student loan with mortgage refi?
Replies: 10
Views: 1280

Re: Pay off student loan with mortgage refi?

OP here. Just wanted to give a brief update on this post. After deciding we didn't want to be stuck paying off the student loans for the twelve year duration of the mortgage, we opted to refinance both loans separately. Earlier this month we closed on the mortgage refinance at 2.99% and then immedia...
by alerya
Thu Jan 18, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Pay off student loan with mortgage refi?
Replies: 10
Views: 1280

Re: Pay off student loan with mortgage refi?

strictly financially, it would be better to go with the higher refinanced value, paying off the student loans immediately, then using the savings to help you max out 401k (if you aren’t already). then the funds you would have used to pay the student loan would be used to pay down principal ( if sta...
by alerya
Thu Jan 18, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Pay off student loan with mortgage refi?
Replies: 10
Views: 1280

Re: Pay off student loan with mortgage refi?

Refinance both, separately. I would never trade unsecured debt for secured debt. Thanks nanoanalyzer! We shopped refinancing the student loan maybe 6 months ago or so, but there wasn't a great difference in the offered rates. I think the best rate we were offered was 4.75%, and I believe the consen...
by alerya
Thu Jan 18, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Pay off student loan with mortgage refi?
Replies: 10
Views: 1280

UPDATE: Pay off student loan with mortgage refi?

Just wanted to give a brief update on this post. After deciding we didn't want to be stuck paying off the student loans for the twelve year duration of the mortgage, we opted to refinance both loans separately. Earlier this month we closed on the mortgage refinance at 2.99% and then immediately refi...
by alerya
Wed Jan 10, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 46589

Re: Best HSA (2017)

I'm interested to hear others' thoughts on LMCU vs. Lively. I will be opening a new HSA soon (first year on HDHP) and have it narrowed down to these two. I'm drawn to the Vanguard funds at LMCU due to the familiarity. I quickly looked over the fund choices at Lively/TD, and they are more foreign to...
by alerya
Sun Jan 07, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 46589

Re: Best HSA (2017)

I'm interested to hear others' thoughts on LMCU vs. Lively. I will be opening a new HSA soon (first year on HDHP) and have it narrowed down to these two. I'm drawn to the Vanguard funds at LMCU due to the familiarity. I quickly looked over the fund choices at Lively/TD, and they are more foreign to ...
by alerya
Wed Jan 03, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Year-end Baby Born and Impact to Health Insurance
Replies: 10
Views: 1355

Re: Year-end Baby Born and Impact to Health Insurance

Congratulations! I also recently had a baby, born on September 29th, 2017. When I called to have the baby added to my insurance plan and inquired about how bills would be submitted, I was informed that the baby would be covered under my insurance plan for the first 30 days. As such, the representati...
by alerya
Tue Jul 04, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving from MA to RI
Replies: 19
Views: 4462

Re: Thinking of moving from MA to RI

I live in RI, about 10 minutes from MA. We so closely border MA, all of our shopping is typically done there and our daughter's preschool is located in MA due to proximity. Not sure what your specific questions/concerns are. My husband and I have considered doing the opposite, buying just over the R...
by alerya
Fri Apr 28, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 3028

Re: Can we afford this home?

Reading through the comments, I see several people have commented on the net/gross income not adding up. I certainly hope I'm not under-withholding. I try to keep things around zero, so we don't give the IRS a free loan and also don't owe at tax time. We received a small refund in 2016, pay was a bi...
by alerya
Fri Apr 28, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 3028

Re: Can we afford this home?

What about clothes, household cleaning, car expenses, kid expenses, entertainment, eating out, out door maintenance? All included in the above budget (eating out included with food, the rest would be in the spending money and miscellaneous expenses category in my budget which is listed with daycare...
by alerya
Fri Apr 28, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 3028

Re: Can we afford this home?

Wow! I am overwhelmed with the response this post has generated. Obviously, I did not break down our expenses well. My apologies. I didn't mean to indicate that the 25k emergency fund was a literal figure representative of 6 month's current expenses. That does not include daycare costs, because in m...
by alerya
Thu Apr 27, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this home?
Replies: 24
Views: 3028

Can we afford this home?

I discovered the Bogleheads forum a few weeks ago and have really been enjoying reading and have gained quite a bit of knowledge already, so thank you all! This is my first time posting. My husband and I live in New England and have been looking to upgrade our home for a couple of years now, but hav...