Search found 104 matches

by jastevenson
Thu Jan 16, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Discounted IVF medication programs for higher income people?
Replies: 12
Views: 1527

Discounted IVF medication programs for higher income people?

Hi all, We are planning to start IVF, and our insurance doesn’t cover much. IVF medications are :moneybag :moneybag There are some discount programs, but they appear to be needs-based, and our income is unlikely to allow for a significant discount. Any tips on reducing the cost of IVF meds if one’s ...
by jastevenson
Wed Jan 08, 2020 10:15 am
Forum: Personal Investments
Topic: Can I max out HSA, then change to non-HDHP plan next month?
Replies: 6
Views: 709

Can I max out HSA, then change to non-HDHP plan next month?

Hi all,

I have an HDHP with HSA. I changed jobs and have the option of changing to a non-HDHP plan (with no HSA).

Can I max out my HSA for 2020, immediately change plans to a non-HDHP plan, and still keep all the 2020 money in the HSA? Or is there some penalty for doing this?

Thank you!
by jastevenson
Tue Dec 24, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Best option to finance car after paying cash?
Replies: 12
Views: 1065

Best option to finance car after paying cash?

Hi all, I am in a situation where I will be paying cash for a new vehicle. If I had bought it and financed with a bank immediately, I can get a 1.9 percent interest rate for 36 months, but I need to buy the vehicle with cash because I a moving out of state at the same time (it’s a complicated and ve...
by jastevenson
Tue Dec 17, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Buying a car while moving from one state to a different state. Any opportunities to save money/geographic arbitrage?
Replies: 4
Views: 281

Buying a car while moving from one state to a different state. Any opportunities to save money/geographic arbitrage?

Hi all, I am moving from Virginia to Washington state and am selling my car. I therefore need to buy a new car. I I have two weeks between the day I leave my current job in Virginia and the day I start my new job in Washington. Since will be temporarily stateless, is there a way to save money on the...
by jastevenson
Tue Dec 10, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: How do you keep your infrequently used electronics charged?
Replies: 15
Views: 1225

How do you keep your infrequently used electronics charged?

Hi all, What are people doing to keep battery-operated electronics that they use infrequently charged? I have read it is bad for the devices to let the battery get severely depleted, but I have many such devices. For example, I have an older iPad and a set of noise cancelling headphones that I use j...
by jastevenson
Tue Oct 29, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4996

I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

I hate cooking, prefer to eat healthy, and work at a place with a truly awful cafeteria. I am willing to pay $15/day to get a good lunch. I know some people buy from Uber Eats, but I life in a fairly small city and the local dining options are not very appealing. Any other options? How about mail or...
by jastevenson
Sat Aug 03, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3294

How can I get a good room when I check into a hotel I booked online?

This may be just my perception, but I feel like I always get a bad hotel room (eg, near the elevator where the “ding” wakes me up, or on the side of the building facing a busy interstate). Sometimes I will ask to change it if I am not satisfied, but often they say “there’s no more of that type avail...
by jastevenson
Tue Jul 09, 2019 7:54 pm
Forum: Personal Investments
Topic: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?
Replies: 33
Views: 3974

Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?

A family member has a medical condition that predisposes them to making rash financial decisions and has made them susceptible to financial scammers. This individual was formerly healthy, very intelligent, and hardworking, and has a 1 million dollar portfolio, which is invested in ~90% bonds (their ...
by jastevenson
Sun Jun 23, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Orlando area: good , low-pressure discount / clearance furniture stores? IKEA, American Freight, At Home, etc?
Replies: 25
Views: 2195

Re: Orlando area: good , low-pressure discount / clearance furniture stores? IKEA, American Freight, At Home, etc?

You might try ScanDesign outlet in Altamonte.

Regular ScanDesign is very expensive but good quality. The outlet is more expensive than IKEA, but nice stuff for a big discount off new.

No pressure and you can wander the store yourself.
by jastevenson
Sat Jun 15, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3858

Best way to teach my 4 year old to be fluent in Spanish?

I am monolingual, and wish I knew a second language. I have a 4 year old, and would like to have her learn Spanish in such a way that she is fluent or at least semi-fluent in the future. Any thoughts on the best way to do this? She is currently taking 1 hour a week Spanish class, and I try to practi...
by jastevenson
Sat May 18, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: How do I prevent yellow underarm stains on my white shirts?
Replies: 24
Views: 3549

How do I prevent yellow underarm stains on my white shirts?

I have some nice white/light colored button down short sleeve shirts that look nice and are good for hot weather, but I worry about getting those dreaded yellow underarm stains. The shirts have some colored stripes and such, so dipping them in bleach sounds like it would damage them. I live in a ver...
by jastevenson
Tue Feb 26, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Got a Macbook Air, Hate the 'Butterfly" Keyboard
Replies: 11
Views: 1257

Re: Got a Macbook Air, Hate the 'Butterfly" Keyboard

Had the same issue when I got my MacBook and hated the keyboard for the first 45 days. Still don’t super love it but it is pretty good. Consider giving it another few weeks first. If you still hate it, then return it.
by jastevenson
Sun Dec 09, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Do fundings in limited expense FSA (LEX-FSA) roll into regular FSA if insurance plan is changed?
Replies: 2
Views: 385

Do fundings in limited expense FSA (LEX-FSA) roll into regular FSA if insurance plan is changed?

Hi all, I have an HSA with HDHP health plan. I have $500 in my limited expense FSA account. I am changing it next year into a regular non-HSA health plan, which comes with FSA (full FSA, not limited expense dental/vision FSA). My employer allows funds to roll over from year to year, but I am wonderi...
by jastevenson
Sat Aug 11, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Worth seeing comedian live if already saw their Netflix special?
Replies: 20
Views: 2058

Worth seeing comedian live if already saw their Netflix special?

Tom Segura is a comedian that I like, and have watched all 3 of his Netflix comedy specials. He's coming to town in a couple of months, so was considering going. Is there any good reason to see a comedian live if you've already seen their Netflix special? Not sure how much of a comedian's show is ne...
by jastevenson
Sun Jul 29, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: When mortgage rates are high, why invest in stock market?
Replies: 36
Views: 4817

When mortgage rates are high, why invest in stock market?

I'm probably missing something blindingly obvious, but I was reading earlier today that mortgage rates in the early 2000s were over 7%. Given that average stock market return is about 7% over time, why was anyone (with a mortgage) investing in the stock market in, say, 2002? Because wouldn't paying ...
by jastevenson
Mon Jul 09, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 6147

Re: Should I take a $60k paycut to work 4days/week

Another way to look at it is, would you PAY $1,150 (60k/52 extra days off) to take an extra day off this week.

So wake up tomorrow morning when the alarm goes off, and ask yourself "Would I pay $1,150 to not have to get up and go to work right now."
by jastevenson
Sat Jul 07, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3485

Re: Would you take a job in a less desirable city if you had to work fewer days?

harrychan wrote:
Sat Jul 07, 2018 4:59 pm
Is it less hours or are you changing from 5/40 to 3/13 schedule?
It’s basically 3 x 10 hour days (7-5) instead of 5 x 8 hour days (830-430).
by jastevenson
Sat Jul 07, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3485

Would you take a job in a less desirable city if you had to work fewer days?

Would be interested in knowing if anyone has made a decision like this and how it turned out. I currently live in a big city (1.5 mil metro) with a lot of great activities and good weather, but need to work 5 days per week. I have the opportunity to take a job in a small city (400k metro) I don't re...
by jastevenson
Wed Jul 04, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is this the least bad way to get out of my lease?
Replies: 5
Views: 1117

Is this the least bad way to get out of my lease?

Hi everyone, I'm halfway through a 39 month lease, and need to get rid of the leased vehicle (GM Financial). My impression is that the least bad way to do this is to call GM, ask what the buy out price is, write GM a check (I can pay cash), and then turn around and sell the car locally (since I woul...
by jastevenson
Sat Jun 30, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to document a verbal conversation for future legal reasons.
Replies: 21
Views: 3244

How to document a verbal conversation for future legal reasons.

What is the most legally valid way to document that a verbal conversation occurred? For example, I could write down on a sheet of paper "Today, 6/30, I spoke with Mr. Jones, and he said 'XYZ'" and put it in a safe, but that seems pretty weak from a legal perspective. Any thoughts/experiences would b...
by jastevenson
Sun Jun 24, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Best book to read before buying a house?
Replies: 6
Views: 920

Best book to read before buying a house?

So I've finally reached the stage in life that has me thinking about buying a home. Thanks to BH, I know quite a bit about personal finance, but very little about buying a home! Any recommendations on a book to read that will help avoid any pitfalls? It's a personal home, not an investment property....
by jastevenson
Mon Dec 18, 2017 8:33 pm
Forum: Personal Investments
Topic: What to do with spouse's SEP-IRA if she is no longer working?
Replies: 6
Views: 826

What to do with spouse's SEP-IRA if she is no longer working?

My wife has 200k in a SEP-IRA from a few years back, but is currently a stay-at-home mom. She cannot contribute to a Roth since she has a SEP-IRA. I'd like to contribute to her Roth, but I am in the 35% tax bracket, so I don't want to convert it at that rate. We currently file taxes jointly, but cou...
by jastevenson
Tue Aug 29, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Private disability claim--good lawyer to consult?
Replies: 4
Views: 867

Re: Private disability claim--good lawyer to consult?

That is good to hear that these policies are generally honored. My concern is for two reasons. First, the insurance company obviously would prefer not to pay if they can avoid it, and the insurance contract has quite of bit of "legalese" that can be a bit tricky for a non-lawyer. Second, my issue is...
by jastevenson
Mon Aug 28, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Private disability claim--good lawyer to consult?
Replies: 4
Views: 867

Private disability claim--good lawyer to consult?

Hello, I have a private disability insurance policy that I signed up for over 10 years ago, and will likely need to use it. My concern is that my insurance company (like any insurance company) will try to dispute/minimize my insurance claim. While I have not submitted a claim yet, I would like to co...
by jastevenson
Sun Jul 16, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 4037

Re: Anyone have a second home in The NC mountains?

No personal experience, but I did notice on weather.com that it is mid-90s all next week in Lake Lure. So if you're really wanting somewhere cool and comfortable in the summertime, maybe better to look at higher latitudes than NC? Looks gorgeous out there though.
by jastevenson
Tue May 02, 2017 8:26 am
Forum: Personal Investments
Topic: Any reason not to roll out a 401a into another retirement account?
Replies: 3
Views: 592

Any reason not to roll out a 401a into another retirement account?

Is anyone aware of any special advantages to a 401a over other types of tax deferred accounts? The University of California just added an $8.75 quarterly fee, and since I don't have a ton of money with them (I worked there for a relatively short time), this represents a big increase in my expense ra...
by jastevenson
Sun Apr 30, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Lowest hassle, highest return way to buy real estate in a far-away location for use as a hedge?
Replies: 16
Views: 2811

Lowest hassle, highest return way to buy real estate in a far-away location for use as a hedge?

I have relatively low net worth, but high income (mid-30s physician, so didn't make much money until age 32). After maxing out my retirement funds and paying my living expenses (I rent), I have 100k/year of money left over. I am thinking about buying real estate since I see a loan as a "force multip...
by jastevenson
Sat Apr 15, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 158
Views: 14836

Is there any reason a buy-and-hold investor would buy gold?

When you invest in a index fund, the premise is that you own a piece of a company. So long-term growth in the size and profit of a company results in a higher stock price when Gold rises and falls in value, but the value seems to change based more on things like political climate and global security...
by jastevenson
Sun Apr 09, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 9178

Death of retail/malls to affect REITs?

The troubles of brick and mortar retailers, department stores, and malls has been in the news lately. Sears, HH Gregg, Macys, Kmart, etc are either bankrupt or headed in a downward spiral. As anchor stores close, their malls fail with them. My understanding is that a lot of REITs invest in malls. Ca...
by jastevenson
Sun Mar 12, 2017 8:08 pm
Forum: Personal Investments
Topic: Non-working spouse with large SEP-IRA. Any way to contribute to retirement fund?
Replies: 2
Views: 734

Non-working spouse with large SEP-IRA. Any way to contribute to retirement fund?

I am paid as an employee and contribute $5,500 to a backdoor Roth each yet. My wife has a SEP-IRA from her old job, and we'd prefer not to convert it to a Roth. But my understanding is that if you have a SEP-IRA, you can't contribute to a Roth. Any solution for her to make annual contributions to a ...
by jastevenson
Wed Nov 30, 2016 7:18 am
Forum: Personal Investments
Topic: I contribute to a fund weekly. How to safely tax loss harvest?
Replies: 4
Views: 1021

I contribute to a fund weekly. How to safely tax loss harvest?

Hi all, I've read many of the TLH threads, but am still a bit confused with my current situation. My taxable account have a 3 fund portfolio--total stock (VTSAX), total international (VTIAX), and intermediate municipal bonds (VWITX). I contribute a fixed dollar amount to each fund once a week, and r...
by jastevenson
Fri Oct 14, 2016 6:28 am
Forum: Personal Investments
Topic: Good options for China stock exposure?
Replies: 1
Views: 284

Good options for China stock exposure?

The vast majority of my money is in the fairly standard BH 3-fund portfolio. I would like some more China exposure, but VTI doesn't offer it, and standard emerging markets funds dilute the China share with stocks from other nations. Any thoughts on the best way to get more China exposure in my portf...
by jastevenson
Sat Aug 27, 2016 8:27 am
Forum: Personal Investments
Topic: California Scholarshare 529: stay in age 0-4 fund forever?
Replies: 3
Views: 680

Re: California Scholarshare 529: stay in age 0-4 fund forever?

It looks like the age-based allocations have 0.01% lower expense ratio, so I figured I'd go with that. Realizing that it only saves me like $50 over 18 years, but whatever :D Anyway, the newly lowered ratios on Scholarshare pulled me away from Nevada and Utah plans, so I'm now the owner of a Califor...
by jastevenson
Fri Aug 26, 2016 6:34 pm
Forum: Personal Investments
Topic: California Scholarshare 529: stay in age 0-4 fund forever?
Replies: 3
Views: 680

California Scholarshare 529: stay in age 0-4 fund forever?

Was looking into the California Scholarshare 529 due to the low expense ratios on the age-based plans. However, I do think that they become too conservative with the stock allocation as the kid gets older. If I wanted to stay in the age 0-4 fund, do I have the option of keeping it there when the chi...
by jastevenson
Wed Aug 24, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee; Medicare deduction on LES went up this pay period. Why?
Replies: 2
Views: 483

Federal employee; Medicare deduction on LES went up this pay period. Why?

I'm a federal employee.

I was looking over the Leave and Earnings statement for this past pay period, and my net salary dropped because the Medicare deduction on the LES increased.

Does anyone know why this happened?

Thanks!
by jastevenson
Wed Aug 24, 2016 5:47 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 32
Views: 7270

Car leases: not that expensive, after all, if you can't do maintenance yourself?

I drive a 13 year old car. Most times that I take my car to the dealership for service, I'm often told that part X is worn and needs replacing, part Y is broken, and part Z is about to break. This may or may not be true, but I have no way of knowing . Since I am not keen on the idea of some catastro...
by jastevenson
Mon Aug 22, 2016 6:03 am
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 40
Views: 7870

Re: Best/safest/easiest way to send sensitive files to another person over the internet?

I edited my original post to specify that while I initially said "best/most secure," I should have stipulated that ease is critically important as well, since the person who will be sending the files to me is an elderly relative. This person could handle the Word password, Google drive, Dropbox, sec...
by jastevenson
Sun Aug 21, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Best/safest/easiest way to send sensitive files to another person over the internet?
Replies: 40
Views: 7870

Best/safest/easiest way to send sensitive files to another person over the internet?

There are some files that I would like to send that contain sensitive information. What is the best and most secure way to do this? My understanding attaching the files to an email is very convenient, but not secure. Thanks!! :sharebeer EDIT: I realize that I said "best/most secure," but I really sh...
by jastevenson
Sun Aug 21, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Life insurance: approved by 2 companies. Can I negotiate premium?
Replies: 8
Views: 1549

Re: Life insurance: approved by 2 companies. Can I negotiate premium?

Would it make sense for you to buy both? Perhaps shortening one to a 10/15/20 year term?[/quote I decided against laddering the policies, but that is a good option for some! I don't think you will have much luck. Insurance companies generally have to file their rates with the state insurance commis...
by jastevenson
Sat Aug 20, 2016 5:55 am
Forum: Personal Consumer Issues
Topic: Life insurance: approved by 2 companies. Can I negotiate premium?
Replies: 8
Views: 1549

Life insurance: approved by 2 companies. Can I negotiate premium?

Hi! After submitting my medical records and blood tests, I have been formally approved by two separate life insurance companies (1.1 mil policy, 30 years). The insurance premiums are within pennies of each other between two companies, so it's a coin toss at this point. But since I have two offers, h...
by jastevenson
Mon Jul 04, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 5422

Re: Ever Feel Unworthy of Growing income?

Doctors absolutely make too much money, way too much. As for the OP, just keep on keepin on. Don't think that way or you could screw your self. Nothing is stopping you from going to med school, residency, and fellowship, and: -Going 350k (post-tax dollars) into debt -Spending all of your late teens...
by jastevenson
Sat Jul 02, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 4350

Re: A nurse practitioner will not release my medical records! Help!

So this is a completely, 100% individual practice? Is there any office person or support? Maybe this is an illustration of a down side to dealing with a completely one person show. Might this NP have sent information to or consulted with a Physician that might have copies? My thoughts as well--she ...
by jastevenson
Sat Jul 02, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 4350

A nurse practitioner will not release my medical records! Help!

I'm applying for life insurance, and have requested all my medical records be sent to the insurance company for review. All my physicians have done so. However, an independent nurse practitioner whom I saw twice last year, keeps promising that she will send my medical records "next week," but it has...
by jastevenson
Sat Jun 18, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy differences between insurers ?
Replies: 13
Views: 2233

Re: Umbrella policy differences between insurers ?

I would definitely read the fine print. For example, we have umbrella insurance. However, it was up for renewal last month, and the renewal letter said that the policy was changing and no longer covered dog bites. While the chance our dog would bite someone is infiniteismal, we want that coverage on...
by jastevenson
Wed Jun 08, 2016 5:16 am
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 4097

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

k66 wrote:
OP: do you have trading costs associated with your transactions?

No, they're Vanguard mutual funds, so no purchase fee, and it's all done automatically using their auto-invest feature. I don't have to do anything manually once I've set it up.
by jastevenson
Wed Jun 08, 2016 5:15 am
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 4097

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

Hello Now I invest 2x/week in a three-fund portfolio. When the market is down on the day I invest, I'm happy (bought stocks cheaper!) When the market is up on the day I invest, I'm happy too! (my portfolio went up!) How big is this lump-sum that you keep in cash, compared to the sum you have alread...
by jastevenson
Tue Jun 07, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 4097

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

That is indeed the psychological advantage that for some investors results from going in gradually. May I ask whether you have a large lump sum you intended to put in weekly, and now decided biweekly, or are you saving out of periodic income (like, for example, a paycheck)? PJW Well, I get paid eve...
by jastevenson
Tue Jun 07, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Investing 2x/week (rather than lump sum) is the best thing I've done.
Replies: 32
Views: 4097

Re: Investing 2x/week (rather than lump sum) is the best thing I've done.

I was doing weekly investments but then I thought about when it is finally time to sell in taxable accounts, how do you figure gains for taxes if you have many little chunks of purchases? I am not close to the withdrawal stage but do you have a plan for when it is time to sell? Does Vanguard just f...