Search found 4 matches

by ncpbat
Tue Oct 30, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Save for home renovations or use HELOC
Replies: 2
Views: 324

Save for home renovations or use HELOC

We plan to sell our house in 5-6 years, after youngest starts college, and will update kitchen, baths, flooring etc a year or so before that. These will be necessary updates to our late 1980s home. Starting in early 2019 we'll have a small additional income stream, and DH thinks we should set that m...
by ncpbat
Sat Oct 06, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14674

Re: What is your annual cost for health insurance?

Employer-based family plan, we chose standard plan (premium also offered) 2k deductible/person, 5k family 5k OOP indiv, 10k family Copays $30 primary, $50 specialist, $50 urgent care. Other costs 80/20 after deductible. Our cost $5500/year. Employer cost $15k/year. Our annual merit increase typicall...
by ncpbat
Tue Aug 28, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: SS early-minor under 18
Replies: 9
Views: 1301

Re: SS early-minor under 18

We did this, without the spousal as I'm still working. DH took ss st 62.5, just before DDs 12th birthday. She'll receive ss until HS graduation at age 18.5. DD receives 1/2 of DHs PIA. DH of course receives a reduced amount. But note that when looking at family maximum (about 1.75% of PIA in our cas...
by ncpbat
Wed Aug 22, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc Question
Replies: 11
Views: 1109

Re: FireCalc Question

I've seen it mentioned on the ER forum that long retirement periods give skewed results in firecalc for the reason stated above, less cycles to run. I think it was suggested not to "trust" results for periods over 40 years.