Search found 27 matches

by SanAntionetta
Sat Nov 09, 2019 4:47 pm
Forum: Personal Investments
Topic: HSA Question
Replies: 11
Views: 785

Re: 529 Question

Yes you can max out the $7000 family contribution with just you and your son. I do this with my daughter and my husband has his own individual plan because for whatever reason it ends up being $4K cheaper/year that way. I max out my HSA every year but I do have any medical expenses automatically pai...
by SanAntionetta
Sat Oct 05, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? New to this stuff
Replies: 33
Views: 4058

Re: What would you do? New to this stuff

Also agree with paying off student loans! Great to do BEFORE you have kids. Don’t be like me and delay it until you are staring Dow the barrel of a $2500/mo daycare bill 😬
by SanAntionetta
Mon Aug 05, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Subrogation due to accident
Replies: 27
Views: 3355

Re: Subrogation due to accident

Many states have insurance regulations that specify how a total loss shall be calculated. If you check yours (I’m sure you could find them online) they might indicate how far comp vehicles can be for sale. For instance NH regulations state that comps must be in the local market area. 900 miles is no...
by SanAntionetta
Fri Jun 14, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please help - Planning for Baby #2
Replies: 6
Views: 680

Re: Please help - Planning for Baby #2

When is the baby due? Take the $200 that you are saving for future baby’s education and deploy that towards debt. How old is the other child that you are saving for? - the $250 that you are putting into the 529. If you take both those amounts how long before the student loan is paid off? The baby i...
by SanAntionetta
Fri Jun 14, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Please help - Planning for Baby #2
Replies: 6
Views: 680

Re: Please help - Planning for Baby #2

Do you have multiple student loans or one consolidated one? If multiple please list the principal due and interest rate on each individual loan. If one loan, what is the interest rate? His aren’t consolidated because it didn’t seem worth it, mine were 3.5 years ago for a 5 year term because they we...
by SanAntionetta
Fri Jun 14, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help - Planning for Baby #2
Replies: 6
Views: 680

Re: Please help - Planning for Baby #2

What are your federal and state tax brackets? 24% federal / 6% state (CT) What are the interest rates on your student loans? 3.5% - 3.75% depending on the loan Spending: $7,500 (This includes auto payment $440 .... Student Loan balance: $17K .... Mid-Term Savings (3-5 years, includes replacing husb...
by SanAntionetta
Fri Jun 14, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1633

Re: Dental/Vision Insurance for Baby

Our daughter is 2.5 and she is on my dental insurance. She goes in for exams every six months and they are going to start cleanings at 3. The dentist also helps us with strategies for brushing and diet. You have to treat cavities in primary teeth or they will form abcesses! My niece (6) has quite a ...
by SanAntionetta
Fri Jun 14, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Please help - Planning for Baby #2
Replies: 6
Views: 680

Please help - Planning for Baby #2

Hi Guys & Gals, It's been about a year since I posted and got some very good advice to accelerate our student loan payments, which we did although we still have some (down $22K!). Now life has changed again for our little family and I'm seeking advice on what to do as I'm a bit overwhelmed. Please i...
by SanAntionetta
Thu May 23, 2019 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my student loans early?
Replies: 22
Views: 2283

Re: Should I pay off my student loans early?

Oh you are such a planner - :sharebeer If they are going to be paid off in six months at your current trajectory I would stay the course and keep your EF funded. I am in a similar situation (yay Earnest!) but maxing our my 401k and HSA has priority. The EF also gives you flexibility to pay it off at...
by SanAntionetta
Fri Mar 29, 2019 10:22 am
Forum: Personal Investments
Topic: HSA Investments
Replies: 8
Views: 897

Re: HSA Investments

In case your haven't seen it, here's the Bogleheads suggested order of prioritizing investments: https://www.bogleheads.org/wiki/Prioritizing_investments. Thanks! We both max out our 401K and have no high interest debt so that’s why we max the HSA (#3 on the list). Our ER fund is about $25K and we ...
by SanAntionetta
Thu Mar 28, 2019 8:00 pm
Forum: Personal Investments
Topic: HSA Investments
Replies: 8
Views: 897

Re: HSA Investments

I personally view my HSA investments in the context of my overall retirement portfolio (with the exception of the amount I keep liquid to cover 1 year deductible since I value that liquidity). So, I'm in 100% equities in my HSA. Yours might be different depending on asset allocation and asset locat...
by SanAntionetta
Thu Mar 28, 2019 7:58 pm
Forum: Personal Investments
Topic: HSA Investments
Replies: 8
Views: 897

Re: HSA Investments

Can you pay for your deductible amount each year out of pocket in addition to maximizing your HSA contribution? If so, then treat your HSA as a retirement account. I could technically, I will think about this appreciate the advice. We are still building up our ER and paying off student loans but fo...
by SanAntionetta
Thu Mar 28, 2019 8:21 am
Forum: Personal Investments
Topic: HSA Investments
Replies: 8
Views: 897

HSA Investments

Hello everyone - hope for some advice on this, I searched the forum and hasn’t seen this question before so looking for your help! I’ve had an HSA for the last year and have about $6800 in it so ready to start investing. We have a $3K deductible so keeping that amount in cash and transferred the rem...
by SanAntionetta
Sat Mar 23, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do the wife and I have house fever? Want to buy 550k home
Replies: 30
Views: 3392

Re: Do the wife and I have house fever? Want to buy 550k home

Do you think your kids would rather have a big back yard or would they rather have you around more often and less tired so that you can play with them? +1 I have a 5 minute commute right now and it is heaven. being a working parent I want every second I can with my girl. Also are your taxes low? Ou...
by SanAntionetta
Fri Mar 15, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 4863

Re: Teen got into auto accident, fight ticket or pay fine?

In some jurisdictions paying the ticket is admissible as proof of negligence - sometimes injured parties do not present a claim for months or even years after the accident. To protect yourself I would confer with a local attorney or your insurance company before making your decision. Glad your son i...
by SanAntionetta
Sun Feb 10, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 10042

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

I did not want to negotiate OR go to a car dealership (I have a two year old) so I purchased a car from Carvana this summer and love it! I did not like the first one they dropped off but they let me drive it until they brought over a different one. The car fax they supplied showed all the oil change...
by SanAntionetta
Sun Jan 13, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Took on too much mortgage, seeking advice on where to put money going forward
Replies: 46
Views: 5644

Re: Took on too much mortgage, seeking advice on where to put money going forward

How much is your PMI? Ours is like $80/mo so my feeling is by the time we get to 20% equity taxes will have gone up enough so I don’t notice it (our taxes-insurance went up $50/mo this year ugh) No one knows what rates will be in five years. I think you should save the money instead of pay down the ...
by SanAntionetta
Thu Dec 20, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466606

Re: What are you up YTD? [Year To Date]

Our wiki can help with this: Calculating personal returns . RTFM, the fine manual is all one needs to know. Is Beardstown accounting in there? I’ve googled Beardstown accounting and nothing came up. I think will revisit my spreadsheet with the portfolio return calculations in the wiki. But for inst...
by SanAntionetta
Thu Dec 20, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466606

Re: What are you up YTD? [Year To Date]

I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes! OMG, you are up that after contributions??? Were you 100% China? After contributions I'm up 9.87%. That's what truly counts. :greedy Ok kids, can we agree that including contributions is not t...
by SanAntionetta
Thu Dec 20, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466606

Re: What are you up YTD? [Year To Date]

I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes! OMG, you are up that after contributions??? Were you 100% China? After contributions I'm up 9.87%. That's what truly counts. :greedy Ok kids, can we agree that including contributions is not t...
by SanAntionetta
Thu Dec 20, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466606

Re: What are you up YTD? [Year To Date]

I am up 1.04% total but that includes maxing out my 401(k) and receiving about $15K employer match. Yikes!

I am 90% stocks/10% bonds which I feel is appropriate for my age.

Luckily this money is for 30 years down the pike :D
by SanAntionetta
Sat Apr 14, 2018 3:03 pm
Forum: Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1966

Re: Help needed - Getting serious w/finances

Sandi_k wrote:
Sat Apr 14, 2018 2:58 pm

You could have prevented my mini-heart attack by using the word "rollover" in your initial post. :D

Good to hear that you're not indeed cashing out for 90 days - that would be a painful and expensive mistake. :shock:
Lol sorry I’m not fluent in financial-speak!!
by SanAntionetta
Sat Apr 14, 2018 2:14 pm
Forum: Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1966

Re: Help needed - Getting serious w/finances

ML is where my 401k is with my new employer - don’t have a choice there! My old 401k is with fidelity so I’m deciding whether to keep it there.

It takes 90 days to process the pension rollover. I’m certainly not going to do anything to get penalized. Thanks for looking out though :)
by SanAntionetta
Sat Apr 14, 2018 12:29 pm
Forum: Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1966

Re: Help needed - Getting serious w/finances

Update: we have gotten serious about the student loans payoff. I have already thrown $2500 at it and have made a commitment for no new home projects or vacations (or contributions to the taxable account) until they are done! Even without a bonus we should be done by the end of next year, but with my...
by SanAntionetta
Sat Apr 07, 2018 12:01 pm
Forum: Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1966

Re: Help needed - Getting serious w/finances

- Buying a sensible new car and holding on to it for the life of the car may not be a whole lot more expensive than buying used. What gets expensive in a hurry is luxury brands, leasing, and frequent upgrades. - It's okay to have a low interest car loan while you pay off higher interest student loa...
by SanAntionetta
Fri Apr 06, 2018 5:46 pm
Forum: Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1966

Re: Help needed - Getting serious w/finances

@senex thanks for the thoughts. It's hard because we are both from economically unstable homes which is why we want to save everything and just keep making payments on our loans. But the extra $1000/mo will be so helpful once they are paid off, especially since it would happen around the time our $1...
by SanAntionetta
Fri Apr 06, 2018 1:47 pm
Forum: Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1966

Help needed - Getting serious w/finances

Hello all! I am new and trying to get serious with my finances now that I have a kiddo. I just started a new job and have some extra money for once and want to make hay while the sun shines. :happy I have tried to follow the format but math isn't my strong suit so please bear with me. Emergency fund...