Search found 38 matches

by Deblog
Fri Sep 27, 2019 10:07 am
Forum: Personal Investments
Topic: Roth IRA Conversion
Replies: 23
Views: 1423

Re: Roth IRA Conversion

If they already have IRAs and want to convert, doesn’t the pro rata rule come into play? I am new to this and have tried to do some reading and thought it would.
by Deblog
Tue Sep 10, 2019 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Advice on picking best health plan, PPO vs HSA
Replies: 9
Views: 874

Re: Advice on picking best health plan, PPO vs HSA

How is prescription coverage handled? My Plan gives me a prescription card with a more basic formulary covered for maintenance meds. Other meds like one time antibiotics I have to hit deductible and then pay 20%. But your plan cost difference between the 2 plans makes it seem like high deductible is...
by Deblog
Fri Aug 23, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Mortgage extra payment applied in error
Replies: 24
Views: 1710

Re: Mortgage extra payment applied in error

I made extra payments for my mortgage in person at a local bank, initially they always asked if I was just paying ahead. I would so no , why in the world would anyone do that? I want to save interest cost. They would always do it correctly. How many people did not understand the difference and would...
by Deblog
Thu Aug 22, 2019 4:44 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1307

Re: Buying used car (another one of those threads!)

My husband commutes an hour each way. Always had civics and decided to try the Elantra GT car of the year. We always keep cars till over 200,000 miles and more while kids home, passed them over to them and bought another civic. Hated the Elantra so much we traded after not quite 2 years, lost tons o...
by Deblog
Thu Aug 08, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Vacation spots, Christmastime, Eastern/Southern US, Caribbean
Replies: 18
Views: 617

Re: Vacation spots, Christmastime, Eastern/Southern US, Caribbean

Aruba great choice. You better book very soon as Christmas is most popular time and sells out. Price is also very expensive in carribean.many times triple the off season cost.
by Deblog
Fri Aug 02, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance with 15 or 16 year old driver in house
Replies: 8
Views: 1062

Re: Umbrella Insurance with 15 or 16 year old driver in house

You may end up paying more to get a standalone policy. We have State Farm and bought a boat. State Farm does not have a very good policy for boats and was quite a bit more than geico from Boat Us. So they charge a extra premium for our umbrella policy and every year we need to send them proof of the...
by Deblog
Tue Jul 23, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: New house... need to buy fridge and washer & dryer
Replies: 44
Views: 3510

Re: New house... need to buy fridge and washer & dryer

When we built we bought all our appliances from Lowe’s. They did a price match of online store (original rep said they do not price match online stores only box stores but we overheard manager tell them never turn away a big purchase like that and gave us the match. For us in a rural area, Lowe’s de...
by Deblog
Tue Jul 16, 2019 5:40 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 61
Views: 3798

Re: New family car and safety considerations

With 2 children I would definitely get a 3rd row suv or minivan. We had 2 kids and had a Honda Pilot with 3rd row seat. Each child was able to bring a friend if we went somewhere with no issues. We even had it awhile after they got married and we could all go together in one car. We used that 3 rd r...
by Deblog
Tue Jul 09, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: buying a suv we dont really need
Replies: 18
Views: 1335

Re: buying a suv we dont really need

Yes we are Ohio so that probably makes a difference. For the record, I miss the pilot and third row seat. Used it a lot when 2 kids were growing up.
by Deblog
Tue Jul 09, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: buying a suv we dont really need
Replies: 18
Views: 1335

Re: buying a suv we dont really need

If you decide to buy it, I would really have the co diction checked out thoroughly. We just got rid of a 2004 Honda Pilot, really low mileage of 90,000 miles. It started eating us alive with various engine parts rusting out. After we needed a radiator, our mechanic looked at how much we put into it ...
by Deblog
Mon Jul 01, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5736

Re: Frontier or Spirit Airlines

This last summer I warned my sister-in-law not to fly frontier. It saves money so she booked anyway. Luckily I warned her to push vacation a week sooner so grandson made it home in time for school starting in case flight is cancelled. Cmh to Orlando delayed a whole day on way down. Way back, flight ...
by Deblog
Mon Jun 17, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 3079

Re: Recommendation for light beer.

As above poster said Michelobe ultra only has 2.6 carbs. They have a new michelobe ultra amber that I like better and it is 3.6 carbs. I love corona light with 5 carbs but I do not like the corona premium at all. It has fewer carbs.
by Deblog
Wed Jun 12, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: [Forget] The Seaweed! We're Headed For Cancun!!
Replies: 17
Views: 1613

Re: Screw The Seaweed! We're Headed For Cancun!!

I love Mexico. Look up cancunwithme.com we have used manny several times. He can customize anywhere you want to go or he has some set trips. He does some less known tours. We did some real 4 wheeling in the jungle and isolated cenote. It is even more cost effective if there are 4 people. You get a d...
by Deblog
Wed May 01, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs. HDHP thread...
Replies: 14
Views: 945

Re: Another PPO vs. HDHP thread...

I agree, that is a terrible Plan. I went to one last year and my monthly premium declined such that the cost was the same if I met the deductible for each. I could then put the max in HSA however my plan also has a prescription card for a basic plan so my asthma inhaler was covered with a simple cop...
by Deblog
Tue Apr 30, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Boat insurance
Replies: 11
Views: 896

Re: Boat insurance

We have all insurance through State Farm but boat insurance was higher and no towing. Went with Boat US that selm policy through either progressive or Geico. Can’t remember which right now. I just need to provide a copy of the policy to State Farm so I can keep my umbrella policy with State Farm. No...
by Deblog
Mon Apr 29, 2019 1:16 pm
Forum: Personal Investments
Topic: Solo 401 k
Replies: 17
Views: 1202

Re: Solo 401 k

Thank you so much for all the replies. I am pretty new to the forum and have been reading a lot of posts. We just paid off our house so we will be able to try to put as much money away as possible. My husband will be 59 in a few months and will retire at 61 with a state pension. I am 59 but my job i...
by Deblog
Sat Apr 27, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 77
Views: 10877

Re: New Washer - Frontload or HE Top Load

I bought Samsung front load from Lowe’s 2 years ago. I had the neptune before with mildew issue. So far no issue with Samsung plus there is a clean mode. I have a small laundry room and went with front load in case I decide to add counter space over units. I bought the $500 models and work great. Pr...
by Deblog
Fri Apr 26, 2019 3:44 pm
Forum: Personal Investments
Topic: Solo 401 k
Replies: 17
Views: 1202

Re: Solo 401 k

Correct, I want to do a back door roth conversion. Maybe I am not understanding correctly? I thought some solo 401k do not allow In service distribution which I need to be able to slowly convert some of the $300,000 a piece at a time.
by Deblog
Fri Apr 26, 2019 1:16 pm
Forum: Personal Investments
Topic: Solo 401 k
Replies: 17
Views: 1202

Solo 401 k

I did a search but did not pull up what I was looking for. I work full time but have a part time business and had seen a post here about setting up a solo 401 k. Since I am newer to this forum, I had rolled over several 401k to Ira before I realized that was not a smart thing to do. We have no Roth ...
by Deblog
Fri Apr 19, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: New job offer, pension vs diy retirement
Replies: 17
Views: 1230

Re: New job offer, pension vs diy retirement

The only thing with a state pension I was going to mention is to take into account the govt offset. My husband had a number of years in private sector and now with a State for 29 years not paying social security and the state pension is all he will qualify for due to the offset. He will make more th...
by Deblog
Fri Apr 19, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 4483

Re: Need vacuum recomendations

I love my Shark!!! Hickory floors, carpet and 2 golden retrievers. I bought the power liftaway which enables you to sweep under beds and furniture. Mine has a microfiber attachment that keeps the dust picked up well. Our hickory looks brand new still. Bought my daughter-in-law the new shark duo clea...
by Deblog
Mon Mar 25, 2019 6:02 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 9628

Re: I would like a boat. I also know nothing about boats

We live on a small lake and we bought a used deck boat. Seats 10 and can put up a small round table. Very happy with it. Ours is only 135 hp but that works and is what we could find used. Our lake has low hp limit for pontoons and are not allowed to pull tube. We are also off in a cove that can be a...
by Deblog
Thu Mar 21, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...
Replies: 66
Views: 4667

Re: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...

I would have them also check on the social security he thinks he will get. There is a government offset on that. My husband worked for about 10 years paying social security and then 29 years with state paying no SS. Because of the offset rule, unless his SS is more than 2/3 of state pension, he gets...
by Deblog
Sat Mar 16, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4344

Re: Amica hiked my insurance, thoughts on alternatives?

We had Erie insurance for years but when kids were old enough to drive it skyrocketed. We switched to State Farm. They had a program for teen drivers that reduced the rate if they did it. Been with them ever since. Homeowners we had some roof damage from storm and when we thought we would just need ...
by Deblog
Tue Mar 05, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a more expensive home? And is it wise?
Replies: 35
Views: 2707

Re: Can we afford a more expensive home? And is it wise?

I agree with above posts. Save more money and wait awhile to buy. Bank what would be the extra house payment amount and get retirement to 15%. This will give you time to get more cash for downpayment for a lower monthly payment, see if the raises are truly coming in or not. I am not sure if you have...
by Deblog
Thu Feb 21, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3237

Re: Car Rental in Mexico

I never rent a car in Mexico. We were hit years ago with the police scam and had to pay money. We had 2 very young children and did not want to try to say take us in to police station. We use Cancun with me for tours. $240 for 12 hour day for up to 6 people and will take us wherever we want to go. Y...
by Deblog
Sun Feb 10, 2019 7:49 am
Forum: Personal Investments
Topic: I'm worried about my pension
Replies: 15
Views: 2727

Re: I'm worried about my pension

I would most definitely plan retirement as if health coverage does not exist. My husband works for a state and health care is NOT GUARANTEED by LAW, but pension is. They continue to remind us of that and have been reducing health care retirement. Spouses no longer given discount in retirement, deduc...
by Deblog
Tue Feb 05, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: How to find an airline's departure gate in advance?
Replies: 26
Views: 1384

Re: How to find an airline's departure gate in advance?

I use an app called flight stats. I pull it up when plane lands and see what gate connecting flight is leaving from. Saved me missing a flight not long ago. Arriving delayed and my departure gate had changed. I ran the whole way and they yelled down the terminal are you Deb. Yes!!! They held off clo...
by Deblog
Tue Feb 05, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 43
Views: 3409

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

Try to check with local banks and see if they have anything like that. It would be more the local banks, not even sure if you have anything like that. I am in Ohio and my local bank puts trips together for the over 55 Group (along with bank discounts, free checks etc) they do international trips and...
by Deblog
Mon Feb 04, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 2932

Re: Tips/suggestions for skiing out west?

This is not out west but for that budget could you drive to mont Tremblant near Quebec. We live in Ohio and drive there and take our skis so no renting of skis. We love skiing there and US dollar has good exchange. We were also able to buy discount lift pass from liftopia.com You feel like you are i...
by Deblog
Wed Jan 30, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Ford recently? Advice please...
Replies: 58
Views: 4964

Re: Anyone bought a Ford recently? Advice please...

We bought a 2014 used Lariat with 69000 miles but got it for $24,000. Much better than the 52,000-60000 new. We love it. Leather seats, drives as good as our old SUV.
by Deblog
Mon Jan 28, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort with 9 year old?
Replies: 16
Views: 2271

Re: All inclusive resort with 9 year old?

If you have a healthy budget beaches Turks and Caicos. Moon palace Mexico and maybe Jamaica and I think royalton Bavaro in DR have the flow rider surf simulator. A blast for adults and kids.
by Deblog
Thu Jan 24, 2019 5:56 am
Forum: Personal Investments
Topic: Variable annuity- good, bad, or ugly?
Replies: 18
Views: 1578

Re: Variable annuity- good, bad, or ugly?

So I do not know much about annuities even though I was sold one 10 years ago. I had prudential variable that guaranteed 5% and also played the market. Got whichever was better. Well, I totally missed that to get the 5% I had to start taking the 5% for life at contract end. There was a protected val...
by Deblog
Wed Jan 16, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 7088

Re: A co-worker makes more than me

I agree with the above post about it not good for you mentally to dwell on it. I was in that situation 19 years ago but worked in a hospital department in management. I took over some other report monitoring from the director( I was assistant director ). The department had multiple sub departments w...
by Deblog
Mon Jan 14, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2918

Re: Cancun in January

We have used Cancun with me multiple times. You can get a van and driver for 14 hours. We have them pick us up at hotel really early and start with Tulum ruins before all the tour buses arrive. We then go to cenotes like dos ojos and then stop at Akumal to snorkel with turtles. Fianally we get dropp...
by Deblog
Sat Jan 12, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 6182

Re: How did you solve the pre-medicare healthcare riddle?

I know of at least one person taking the minimum required classes at the local community college to get the health insurance available to students. Even with the cost of tuition and a recent rate increase, it was a good deal for him and his family. Plus there's always room to learn something new. T...
by Deblog
Mon Dec 31, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Career Switch Pt. 2 (IT > Fire Fighter)
Replies: 19
Views: 2202

Re: Career Switch Pt. 2 (IT > Fire Fighter)

If EMT appeals to you, have you considered getting a nursing degree instead? Tons of options using that career and good choice financially. You could work in ER, volunteer for disaster relief, medical mission trips etc.
by Deblog
Sun Dec 16, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Negril vs Montego Bay Jamaica
Replies: 13
Views: 1362

Re: Negril vs Montego Bay Jamaica

I like negril much better than Montego Bay. Beach is much better. Safe to walk at night? I would not leave my resort at night alone anywhere. We have stayed at Couples resort and they include activities like catamaran cruise, scuba diving if certified and you can dive everyday or a single resort cou...