Search found 15 matches

by StellaRose
Thu Mar 28, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: Deferring HSA by paying medical Out-of-Pocket: Overblown?
Replies: 42
Views: 3981

Re: Deferring HSA by paying medical Out-of-Pocket: Overblown?

I spoke with the rep from GEHA's plan today and she said that I only have until December 31st of the following year to submit receipts for reimbursement. Can anyone confirm or discredit that? I'm not sure that she was entirely sure since "no one ever asks about that plan."
by StellaRose
Wed Jan 31, 2018 12:16 pm
Forum: Personal Investments
Topic: Introduction, or How does my portfolio look?
Replies: 11
Views: 907

Re: Introduction

If it were me, I'd get rid of the commodities. A 2% allocation is not going to make any significant difference one way or another. I'd also get rid of the cash allocation inside the IRA and move it into either stocks or bonds. If you want to hold a cash allocation as an emergency fund, that's fine,...
by StellaRose
Wed Jan 31, 2018 11:12 am
Forum: Personal Investments
Topic: Introduction, or How does my portfolio look?
Replies: 11
Views: 907

Re: Introduction

climber2020 wrote:
Wed Jan 31, 2018 11:03 am
Small tip: if you change the title of this thread to something a little more specific than "introduction", you will likely get many more helpful responses.
Better?
by StellaRose
Wed Jan 31, 2018 10:33 am
Forum: Personal Investments
Topic: Introduction, or How does my portfolio look?
Replies: 11
Views: 907

Re: Introduction

Greetings! Congratulations on taking the leap into taking charge of your retirement. The people here are knowledgeable and willing to help. To give them the best chance of giving you the answers you need, it will help if you provide the information in the format in this post . Welcome. Well....I wr...
by StellaRose
Wed Jan 31, 2018 9:23 am
Forum: Personal Investments
Topic: Introduction, or How does my portfolio look?
Replies: 11
Views: 907

Introduction, or How does my portfolio look?

Hi there. I was referred here because it was thought that this community would be a good fit for me. So far, I'm liking what I'm seeing. If you don't mind, it would be great if you all could take a look at where I'm at and give me some pointers on where I need to go. So, I'm almost 36. I got a late ...
by StellaRose
Wed Jan 31, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 11308

Re: How much have kids added to your personal finance/expenses?

We have our first kid due any day now and we fell into the trap of going way overboard. Bought every gizmo and gadget under the sun. Decorated the nursery with brand new furniture. Probably spent about 7k in startup costs before we even get the hospital bill for delivery :shock: I knew first time p...
by StellaRose
Wed Jan 31, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 11308

Re: How much have kids added to your personal finance/expenses?

For us, our biggest costs have absolutely been childcare/education related. I live in a very low COLA. My full-time daycare costs were about $500/month. I'm aware of how lucky I am to have had costs that low (and it was really one of the more expensive programs). I have friends who were paying somet...
by StellaRose
Fri Aug 04, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 5535

Re: Beach condo investing

Also, make sure you understand the terms of the deal. A friend's mom got suckered into buying somewhere near PCB. The rules that she is now tied to are insane. The unit has to be rented out X number of weeks per year or she's penalized. If the management company decides that she needs new appliances...
by StellaRose
Fri Aug 04, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Like father, like son.
Replies: 1
Views: 1067

Re: Like father, like son.

No, but then again, I'm in a fairly unique situation right now in regards to housing. I live in the house my mother inherited from her parents. They don't really want to be landlords, so I live here and pay the insurance (homeowners and rental...fun stuff) and property taxes. I also get the privileg...
by StellaRose
Fri Aug 04, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 60
Views: 6301

Re: How much do kids cost in a high COLA?

Child care swamps all other costs. I have to say that those daycare numbers ($3k/mo) look crazy, even for HCOL. The daycare our kids went to is currently $2k/mo for an infant and we live in one of the highest cost areas in the country. It's funny you say that because I just made my last daycare pay...
by StellaRose
Fri Aug 04, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4361
Views: 839363

Re: What's Your Credit Card Rewards Strategy?

I have a combination of both travel and cash-back cards. I have the Double Cash, but have been using the Chase family of cards to earn UR points. At this point, I'm pretty much earn-and-burn, at least with travel points (There are some rumors that Chase is about to devalue points when combining Free...
by StellaRose
Fri Aug 04, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Attempted use of debit card by someone - how does this make sense??
Replies: 11
Views: 1693

Re: Attempted use of debit card by someone - how does this make sense??

I had one compromised three days after I got it in the mail. I hadn't even activated it yet. It's possible that they are trying to use blocks of numbers, but that wouldn't explain how they had your email address/address too.
by StellaRose
Fri Aug 04, 2017 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Pay loan early at this point?
Replies: 10
Views: 1146

Re: Pay loan early at this point?

OP, I feel like I could have written this post myself. I bought a new car in Feb. of 2014. In my case, I don't feel like it was a mistake to buy a new car. I'd been planning and saving for it for awhile, but the realities of getting an infant in and out of the backseat of a two-door Jeep Wrangler ju...
by StellaRose
Fri Aug 04, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 60
Views: 6301

Re: How much do kids cost in a high COLA?

Child care swamps all other costs. I have to say that those daycare numbers ($3k/mo) look crazy, even for HCOL. The daycare our kids went to is currently $2k/mo for an infant and we live in one of the highest cost areas in the country. It's funny you say that because I just made my last daycare pay...
by StellaRose
Fri Aug 04, 2017 5:37 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 60
Views: 6301

Re: How much do kids cost in a high COLA?

I've noticed that a lot of those articles meant to shock people at the price of raising a kid tend to include the cost of housing as a major factor. If having a kid means moving from a one-bedroom apartment in a school district that ranks dead last in rest results to a three-bedroom house in a bette...