Search found 58 matches

by annebert
Wed Jan 01, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: 900,000 student loan refinancing recomendations
Replies: 71
Views: 7867

Re: 900,000 student loan refinancing recomendations

If you have government loans and refinance with a private lender like SoFi, you lose all the protections that government loans give you, like the ability to get deferment, income-based repayment plans, and possible loan forgiveness if you work in the private sector. If you can really pay off the loa...
by annebert
Wed Jan 01, 2020 12:16 am
Forum: Personal Investments
Topic: Transfer HSA from Health Equity to Fidelity?
Replies: 11
Views: 653

Re: Transfer HSA from Health Equity to Fidelity?

As someone here pointed out to me about a year ago, that Health Equity 0.0333% is PER MONTH - so almost 4% per year. And you have to keep $2000 in cash. I moved my Health Equity to Fidelity about 9 months ago and I'm very happy. It was not difficult. I don't think you need to do anything at tax time...
by annebert
Wed Jan 01, 2020 12:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9444

Re: IRS Drops Agreement Not to Compete With TurboTax

Thanks for the tip on My Free Taxes, Dodecahedron! Looks like it will save me quite a bit since I use just about every schedule and file in 2 states. Will donate to Bogleheads to show my appreciation.
by annebert
Wed Nov 20, 2019 6:25 pm
Forum: Personal Investments
Topic: Now That I have Won
Replies: 24
Views: 6290

Re: Now That I have Won

So when you are 95, you no longer have to take RMDs? :-) Congrats!
by annebert
Mon Nov 18, 2019 7:02 pm
Forum: Personal Investments
Topic: Obamacare limits investing opportunities?
Replies: 36
Views: 3628

Re: Obamacare limits investing opportunities?

I appreciate your concern, hogfanboy, but I am "situationally frugal" and perfectly happy. No mortgage, anyway.
by annebert
Sun Nov 17, 2019 6:06 pm
Forum: Personal Investments
Topic: Obamacare limits investing opportunities?
Replies: 36
Views: 3628

Re: Obamacare limits investing opportunities?

As others have said, it's a trade-off. Having once faced the situation of being a cancer survivor unable to get health insurance, I am very grateful for Obamacare. I am "semi-retired" and I carefully balance my earnings from part-time jobs because I can make enough to afford $300 a month, but can't ...
by annebert
Sun Nov 17, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]
Replies: 45
Views: 4280

Re: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]

By using GoodRx, I learned that the everyday cost for a drug I take was >$100 cheaper at Costco than from my plan's online pharmacy WITH insurance. GoodRX saved me another $5 or so. My deductible is $4500, so paying direct makes more sense.Costco's direct drug prices are really good, it's worth chec...
by annebert
Thu Aug 29, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 5319

Re: Friend has cancer. What should be the next steps?

Two words: Clinical trials. Although obviously financial preparation is important, clinical trials are the best way to access new cutting edge therapies that can extend life. And combined with that as others have said, go to top oncology centers like Dana Farber, MD Anderson, etc. I am a long-term s...
by annebert
Tue Aug 27, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10382

Re: Coffee becomes cold too soon

While coffee is brewing, I put 2-3 oz water in my mug, then microwave on high for 1 minute. Pour out the hot water and pour in the coffee. It will stay hot for quite a while - long enough to sit in bed and talk to the cats while I drink it.
by annebert
Wed May 29, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3358

Re: "Soft" question on student loans

I have serious concerns about children who are raised to believe that mom and dad will buy me a car and pay for my college and my $100/month cell phone. I don't think you are doing your child a favor by not pushing them to be as self-sufficient as possible. Being frugal while in college is one way t...
by annebert
Mon Apr 01, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 5094

Re: Do any of you have a fear of changing jobs?

It's really a job-hunter's market now. Looking at what's out there and interviewing could be interesting and useful to you. Just trying that doesn't commit you to leaving.
by annebert
Thu Mar 28, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 13439

Re: Is our household budget crazy?

You are spending less than 5% of your income on food (including dining out). US average is about 10%, which pales in comparison to the rest of the world. In the developing world, it can be 50%. I think that you have nothing to be concerned about.
by annebert
Tue Mar 26, 2019 9:22 am
Forum: Personal Investments
Topic: Roth contributions into retirement
Replies: 5
Views: 697

Re: Roth contributions into retirement

You can still max out your 2018 Roth by contributing before April 15.
by annebert
Mon Mar 25, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 4357

Re: Three Days in DC

Ah, I confused the Art and Industries Museum on the Mall with the National Building Museum - sorry about that.
by annebert
Sat Mar 23, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 153
Views: 24905

Re: Is a million really the benchmark for retirement

Everyone's answers seem to imply that retirement savings are a static pot from which annual withdrawals continuously draw down capital. But with an appropriately-balanced portfolio of stocks and bonds, investment returns can partially replenish capital - and you need to count on that if you foresee ...
by annebert
Sat Mar 23, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 4357

Re: Three Days in DC

I think the Building museum is still closed (has been for a couple of years). Right around that museum and extending over to the Smithsonian Castle are fantastic gardens, nice to walk through. IMHO there's not tons to see in the Castle, but it's fun to go look at and great for photo opps. And on the...
by annebert
Tue Mar 12, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: How to Update Chrome on Mac
Replies: 17
Views: 1400

Re: How to Update Chrome on Mac

Can you upgrade your hard drive? Alternately, Transcend makes expansion cards that slide into SD card slot for 128 or 256 GB. Than you could upgrade to High Sierra.
by annebert
Wed Mar 06, 2019 1:35 pm
Forum: Investing - Theory, News & General
Topic: Social Security Question
Replies: 9
Views: 828

Re: Social Security Question

You didn't mention the gender of you and your spouse. If your spouse is female and you're mostly concerned with a good survivor's benefit for her, than taking SS at your FRA makes sense because her benefit won't get any bigger by waiting. If you are female, however, you have to consider that you are...
by annebert
Sat Mar 02, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 6164

Re: Medicare choices

Question: Slightly off topic I turn 65 this year but intend to continue working another 2 1/2 years. My wife and I are covered under her Employer's plan and we will continue to be so covered until we retire (I'll be 67, she 66). My question is whether I have to some how register or sign up for Medi...
by annebert
Wed Feb 20, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 40
Views: 4036

Re: Fast turnaround on Federal Tax

I was just listening to a radio piece about tax refunds, loved hearing Kai Ryssdal snark "you know that's an interest-free loan to Uncle Sam, don't you?" and cringed at some tax software ad where the actors were bragging about their $7000 refund. Surprised to hear that so many on this forum think a ...
by annebert
Mon Feb 18, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a degree?
Replies: 73
Views: 4778

Re: Do I need a degree?

There is no question that you need that degree to be sure of a secure future, and if company will pay, it's a no-brainer. Sounds like you are basing your conception of college on what you remember of high school, and that can steer you wrong, I think. I went back for (another) graduate degree in my ...
by annebert
Wed Feb 06, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding how to manage irrevocable trust
Replies: 11
Views: 1176

Re: Understanding how to manage irrevocable trust

Thanks for the helpful comments, everyone. Looks like I will have to pay an expert for advice... We didn't set this up as a 501(c) 3, because it's quite expensive and requires a lot of oversight, which no one but me was willing to do. Since we didn't have beneficiaries in 2017, it was easy for me to...
by annebert
Tue Feb 05, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding how to manage irrevocable trust
Replies: 11
Views: 1176

Understanding how to manage irrevocable trust

My sisters and I used part of our inheritance to set up an irrevocable trust to fund annual scholarships in my mother's name at our home town high school. All six of us, who live in 5 different states, are grantors. The trust was established in CT, where the high school is. Two of us are trustees (n...
by annebert
Fri Feb 01, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4479

Re: Need Objective Mattresses Ratings and Reviews

I bought a new mattress about 18 months ago and both mattress underground and sleep like the dead provided a lot of useful advice. I figured out that I liked "hotel style" - coil base with foam topper. I knew I didn't like memory foam and decided on natural latex. I learned that top end hotels repla...
by annebert
Thu Jan 31, 2019 6:05 pm
Forum: Forum Issues and Administration
Topic: Welcome to the new forum layout
Replies: 54
Views: 8646

Re: Welcome to the new forum layout

It's beautiful and thoughtfully designed. Thanks to all who made this possible.
by annebert
Wed Jan 30, 2019 7:41 pm
Forum: Personal Investments
Topic: Pay from HSA or cash question
Replies: 16
Views: 952

Re: Pay from HSA or cash question

If you can afford to pay medical expenses in cash AND you are investing the funds in your HSA (it sounds like that's what your asking when you ask about the basic investment account), that should pay off the best for you in the future.
by annebert
Wed Jan 30, 2019 7:09 pm
Forum: Personal Investments
Topic: Eligible for 401K at work, Roth or Pre-tax?
Replies: 33
Views: 1562

Re: Eligible for 401K at work, Roth or Pre-tax?

You should understand that any money you put into Roth 401k counts against your 401(k) max. I got burned by that a few years ago. If you can afford to max out 401K and contribute to regular Roth as well, that is what I would recommend.
by annebert
Tue Jan 22, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 58
Views: 6063

Re: Help needed: wife seeking new job to escape megacorp hell

I advise creating a LinkedIn profile and investing in a professional membership (it's about $300/year) so that her profile/resume will be highlighted to recruiters. Spend some time on getting a good recent photo and crafting the profile to highlight skills and MBA.
by annebert
Mon Jan 21, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 28
Views: 2132

Re: Looking for old school CD player & bookshelf stereo

Check out Goodwill for used receiver and CD player. Or even a tape player. Works for me. And go to a place like Crutchfield for speakers.
by annebert
Mon Jan 14, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Avoiding Dealership for Replacement Honda Pilot Key
Replies: 6
Views: 848

Re: Avoiding Dealership for Replacement Honda Pilot Key

You don't have to get keys from the dealer. Google "car key replacement" or "car remote replacement" to find private companies that do this for less than dealers.
by annebert
Wed Jan 09, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the bounce
Replies: 60
Views: 9546

Re: Preparing for the bounce

My cat finds this thread offensive.
by annebert
Wed Jan 02, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9216

Re: Your ideal home size

It would be interesting to see what happens if everyone includes the all of the space they are using (garages, basements, porches, sheds,....). it is one thing to live in 1100 sq ft. It is another to live i 1100 sq ft with an 800 sq ft basement a 400 sq ft garage and a 200 sq ft shed where you have...
by annebert
Sat Dec 29, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1412
Views: 365228

Re: What is your Year 2018 networth change?

Well, this cheered me up. I became semi-retired this year due to an unexpected layoff early in the year, but I contributed a fair amount to my 401(k) before that, and am still able to contribute in one of my current part-time jobs, plus I received a small inheritance this year. In spite of the 10% d...
by annebert
Wed Nov 28, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Value of HSA in a Medical Plan
Replies: 3
Views: 588

Re: Value of HSA in a Medical Plan

Before I would go without insurance coverage even for a day, I would triple check that no limitation for pre-existing conditions has crept into the ACA and/or that late payment on the COBRA would still keep your coverage unchanged.
by annebert
Tue Nov 20, 2018 8:48 am
Forum: Personal Investments
Topic: Old Vanguard 401k: can I still move money between funds?
Replies: 7
Views: 489

Re: Old Vanguard 401k: can I still move money between funds?

Yes, definitely. I am doing that now with a Vanguard 401(k). You have the option to move between any of the funds in your former employer's plan.
by annebert
Sun Nov 11, 2018 7:20 pm
Forum: Personal Investments
Topic: HSA How do I invest?
Replies: 8
Views: 1266

Re: HSA How do I invest?

Yes it is very much worth it to max out your HSA. And if you can afford to cover medical expenses out of pocket, don't let $1500 sit in your account uninvested! This is never-taxed money, it is golden.
by annebert
Thu Sep 20, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 9510

Re: Ladies: bra shopping question

The lead to A Bra that Fits is the best tip I've gotten on Bogleheads so far. Thanks!
by annebert
Wed Sep 19, 2018 8:17 pm
Forum: Personal Investments
Topic: Help with HSA fund selection
Replies: 7
Views: 714

Re: Help with HSA fund selection

Well, your target is overall. I assume that you have other investments, your investments within this particular bucket don't need to exactly meet your overall targets. Small Cap Value is a good place to put tax free funds, as is Total bond market index. I have the same HSA, and I have funds in the R...
by annebert
Tue Sep 18, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5560

Re: Delaying SS? How Long It Will Take for It to Pay Off?

The pay-off calculation is a red herring. The average life expectancy for men and women who are currently 62 is about 84 for men and 86+ for women It's incrementally increasing, and who knows what new medical advance might mean for a middle-aged person For every year past 62 that you delay taking So...
by annebert
Tue Sep 18, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5908

Re: 38% pay cut for dream job?

Go for it! Maybe you will be lucky enough to get posted to Botswana or another country equally as wonderful.
by annebert
Sat Sep 15, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 4189

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

I am just shuddering thinking about living with a carpet that hasn't been cleaned in 3-4 years. And I am not a neat freak by any means.
by annebert
Sat Sep 15, 2018 4:11 pm
Forum: Personal Investments
Topic: Understanding Employer Plan Roth Option
Replies: 2
Views: 254

Re: Understanding Employer Plan Roth Option

I have a pre-tax account and an employer Roth through Vanguard. The main dashboard lumps everything together in each fund I hold, but the source of contribution breaks it out by each source - so it is kept separate. However, if you have a separate Roth, I don't see any advantage in adding funds to a...
by annebert
Mon Sep 10, 2018 9:15 am
Forum: Personal Investments
Topic: What to do with individual stocks?
Replies: 8
Views: 1280

Re: What to do with individual stocks?

Even if your family/you didn't keep records, every company has online records about historical stock prices and when dividends were paid. With some time and effort, you could figure out your cost basis. Doing so would help you understand the history of these stocks to help you develop a plan about w...
by annebert
Tue Aug 28, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 13384

Re: Mega Downsize....

Well before you list your house, you really should get rid of stuff. I suggest that it might be very helpful for you to work on that rather than just walking away and hiring an auction service, as it might help you make changes in the way you look at "stuff" that will be helpful in the future.
by annebert
Mon Aug 27, 2018 5:55 pm
Forum: Personal Investments
Topic: Selling individual stock, reinvesting questions
Replies: 9
Views: 769

Re: Selling individual stock, reinvesting questions

How much do you like number puzzles? The National Gas website provides share prices and dividends paid back to 1973. You could theoretically work out how your shares grew over time based on that, especially if the company can provide some past data, in particular what date you got the original share...
by annebert
Sat Aug 11, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 75
Views: 13342

Re: The Best HSA

Hmmm. I have Health Equity from a former job. There are no monthly fees, and I pay 0.03 ER for my investments. Maybe this is because the large company where I previously worked negotiated good terms with them, rather than me signing up as an individual? No, you pay .396% 'administrative fee' for yo...
by annebert
Fri Aug 10, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1460

Re: Best way to send flowers out of town

I agree that using a local florist is better. In my case I was usually sending flowers back to my hometown, so I knew who to call!! I think the local flowers movement is a good possibility, too. Check out Local Flowers http://discus.vps.ascfg.org/buyers_guide/choose_designer.php as a way to identify...
by annebert
Fri Aug 10, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 75
Views: 13342

Re: The Best HSA

Hmmm. I have Health Equity from a former job. There are no monthly fees, and I pay 0.03 ER for my investments. Maybe this is because the large company where I previously worked negotiated good terms with them, rather than me signing up as an individual?
by annebert
Fri Aug 10, 2018 3:29 pm
Forum: Personal Investments
Topic: I have 2 401k's need some advice.
Replies: 9
Views: 516

Re: I have 2 401k's need some advice.

More details would be helpful. There is no obligation to do anything with a 401(k) when you leave a job. If the new job 401(k) offers better funds or service, you could roll the old one into that. Or you could leave it where it is. If you move a 401(k) to a Roth, you'll have to pay taxes on it, prob...
by annebert
Fri Aug 10, 2018 3:25 pm
Forum: Personal Investments
Topic: Where to invest after 401k is full
Replies: 16
Views: 2148

Re: Where to invest after 401k is full

If you are eligible for a high deductible health plan and can open an HSA, that's another route for untaxed savings because you contribute pre-tax and you never pay tax when you use the funds for medical expenses. But hurry up, you are ineligible for HSA once you are 65.