Search found 400 matches

by theplayer11
Mon Jul 16, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 22
Views: 1028

Re: Passport expiration time rules for France

some countries care about people entering their countries and not leaving I guess...
by theplayer11
Mon Jul 16, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 52
Views: 2928

Re: $540 a month on food for graduate student budget too much?

way too much... this is coming from your savings/earnings I hope..
by theplayer11
Mon Jul 16, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank - Transfer investments from Devenir to TD Ameritrade?
Replies: 4
Views: 190

Re: HSA Bank - Transfer investments from Devenir to TD Ameritrade?

yes, you can transfer to Td..I did it a few years ago. I have since moved to Saturna because I didn't want $5k sitting with HSA Bank to avoid fees.
by theplayer11
Mon Jul 16, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 84
Views: 4278

Re: Anyone not have a Budget?

never had a budget, both wife and I are frugal..I know what we are spending
by theplayer11
Sun Jul 15, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1687

Re: Kitchen Remodel

get a hood that is larger than the stove width..will catch more smoke
by theplayer11
Thu Jul 12, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting HSA custodian
Replies: 9
Views: 543

Re: Selecting HSA custodian

saturna is cheapest option if you are trading once a year. $14.95 a trade, but $10 more for Vanguard funds. I pay $24.95 a year.
by theplayer11
Sun Jul 08, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3273

Re: What do you pay for home services?

my wife cleans for free, but I mow for free as well..good deal I would say :D
by theplayer11
Sun Jul 08, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15117

Re: Retirement Destination - are you happy with your choice?

just give me 4 distinct seasons...couldn't imagine living without. Then again, we humans are an adaptable species.
by theplayer11
Sat Jul 07, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1488

Re: Ireland trip

we enjoyed Cork-fun city, much better than expected.
by theplayer11
Sat Jul 07, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Which route for older adult with no retirement?
Replies: 19
Views: 2385

Re: Which route for older adult with no retirement?

most business owners take well more than 50% of what their employees produce. They own the business, they took the risk, they built the business. That's how it works.
by theplayer11
Fri Jul 06, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

How is his health? When I was his age my health care spending was pretty close to $0. I would choose the option with the HSA and start building a balance no health issues. yes starting an HSA would be great, but $1k more on the deductible if any care is needed would be negative, not making good mon...
by theplayer11
Fri Jul 06, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

any other thoughts? Similar costs..the PPO saver has the HSA option that is a great savings device, but the HMO would only have a $1k deductible with the company reimbursement.
The HMO network is more than adequate.
I guess it comes down to....is the HSA worth giving up $1k in deductible.
by theplayer11
Thu Jul 05, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15117

Re: Retirement Destination - are you happy with your choice?

The concept of living in a single place for more than a decade (give or take a year or two) is not something I am remotely interested in. I agree, especially in retirement. Freedom to move around, travel, try new things, meet new people appealed to us. The idea of sitting around on the front porch ...
by theplayer11
Thu Jul 05, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: seasonal LLC taking Payroll
Replies: 4
Views: 349

Re: seasonal LLC taking Payroll

thanks for the replies. I file form 943 which is annual(agricultural employees) so less paperwork :happy
by theplayer11
Thu Jul 05, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: seasonal LLC taking Payroll
Replies: 4
Views: 349

seasonal LLC taking Payroll

seasonal business, LLC taxed as scorp. Are there any rules regarding how often one can take payroll, meaning must it be on a set schedule? Example, could I do this: June 1-take $10k payroll for myself and wife July 1 -take another $10k for both July 15th-another $10k Aug 1-$5k I guess what I'm askin...
by theplayer11
Wed Jul 04, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5269

Re: How to tip

Usually 15% and pre-tax for reasons others have already said. Actually I find the whole tipping culture rather strange. I seem to be in the minority but I have always been uncomfortable with the notion I should be tipping the service more than the food. I go out to eat primarily for the food (prett...
by theplayer11
Wed Jul 04, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15117

Re: Retirement Destination - are you happy with your choice?

I feel lucky..born and raised in a small coastal town in RI. Not too hot in the Summer(always a nice afternoon breeze) and not too cold in the winter. Will most likely retire here...low taxes as well.
by theplayer11
Wed Jul 04, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

Option 2 - Tufts PPO SAVER: he pays $136/mth -$2k deductible(company pays 1/2 through health reimbursement account ) - HSA option -everything covered in full after deductible If this is a general purpose HRA and not a limited purpose and/or post deductible HRA, this is not an HSA qualifying HDHP. T...
by theplayer11
Wed Jul 04, 2018 5:15 am
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

^it must be the prescription drugs. One would pay the co-pay until the OOP max is reached.
any other opinions?
by theplayer11
Tue Jul 03, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3292

Re: How do I fix my heating bill?

1. Turn the heat down to 60 degrees. We do that all winter. Ditto above. We set the thermostat at 60 in the winter. I would go lower if I could but don't want to risk freezing pipes. We have a space heater in the bedroom set at ~68 and just put on a jacket if we need to go to the kitchen. that's no...
by theplayer11
Tue Jul 03, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

The PPO seems pretty obvious given what you’ve said, but I am surprised there are no office visit or emergency room copays. the PPO is a HDHP, thus the HSA. Don't most(or all) HDHPs have no co-pays? But the deductibles are the same for both plans ($2k). Doesn't a "high deductible" plan have, um, a ...
by theplayer11
Tue Jul 03, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

delamer wrote:
Tue Jul 03, 2018 7:14 pm
The PPO seems pretty obvious given what you’ve said, but I am surprised there are no office visit or emergency room copays.
the PPO is a HDHP, thus the HSA. Don't most(or all) HDHPs have no co-pays?
by theplayer11
Tue Jul 03, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

Re: what is better Health care option for my son

delamer wrote:
Tue Jul 03, 2018 7:02 pm
i’d want to know the maximum out-of-pocket amounts and the prescription copays before making a decision.
$4k for each Max OOP
PPO-prescriptions-Ded $15 /
$35 / $60
Ded $30 /
$70 / $120

HMO-$15 / $35 / $60
$30 / $70 / $120
by theplayer11
Tue Jul 03, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1269

what is better Health care option for my son

first job after college, state is MA. I've been self employed my entire career, any opinions on the quality and pricing of these plans? Here are his 2 options. Option 1 -Tufts ADV HMO: he pays $149/mth - $2k deductible(company pays 1/2 through health reimbursement account) -no HSA -Office visit/spec...
by theplayer11
Sun Jul 01, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9425

Re: What’s your plan for a market downturn?

market drops 25%, then I'm selling half my bonds(33% of portfolio) and buying VTI. If it drops to 40%, i'm selling the other half of my bonds. I will re-balance when stocks get back to where they were before the drop.
by theplayer11
Sun Jul 01, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12734

Re: What are your property taxes?

RI coastal town-$3,700 on $675k home
by theplayer11
Sat Jun 30, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6168

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

many buy a full size truck not because they need it, but because they like the look. I own a nursery and have only owned compact pick ups. It's not tough terrain and I don't tow. Compacts do everything I need..basically haul around stuff and can handle 1200 pounds easily. Bought a new Nissan Frontie...
by theplayer11
Thu Jun 28, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2490

Re: New car dealer pricing

I recently bought a vehicle with a MSRP of $46,250 for $32,200 by buying a model that would soon be "dated" by a redesign in 2019. Luckily, I did not like the redesign in 2019 and actually preferred the 2018 model (and it was the fifth year of production for that particular model, so hopefully the ...
by theplayer11
Thu Jun 28, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 343
Views: 31599

Re: What is/ was your career and would you recommend it now?

self employed, haven't had a 'boss' since I was 27. No describing the satisfaction of not having someone tell me what to do. theplayer11, I disagreed. In a business, your customer tells you what to do. KlangFool not in my case..I keep my customers happy, but it's on my terms..Not talking retail.
by theplayer11
Thu Jun 28, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: 401K company match may have been too low. Seeking interpretations
Replies: 17
Views: 1337

Re: 401K company match may have been too low. Seeking interpretations

sounds like you were hired in 2012...but I agree with others as to older employees having a lower match makes little sense.
by theplayer11
Thu Jun 28, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 343
Views: 31599

Re: What is/ was your career and would you recommend it now?

self employed, haven't had a 'boss' since I was 27. No describing the satisfaction of not having someone tell me what to do.
by theplayer11
Thu Jun 28, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6168

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I'm actually in the market for a midsize truck. Had a gen2 tacoma and loved it. As someone mentioned, the gen3 engine/transmission combo leaves a lot to be desired. Ridgeline - almost perfect on paper.....and maybe it's just me but i think they look terrible. The snubby nose that seems to be a simp...
by theplayer11
Thu Jun 28, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78085

Re: [What TV Show Have You Recently Watched?]

Animal Kingdom..modern day crime family
by theplayer11
Wed Jun 27, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16408

Re: IRS publishes draft 2018 1040 - Huge changes made

Such a PR stunt. There's no reason to truly try to fit it on a postcard-sized sheet of paper. "Look! We made taxes far more simple!" In reality, taxes are still just as complicated as they were before. Exactly, lipstick on a pig. An attempt to reduce the unpopularity of recent changes. Nope..very h...
by theplayer11
Tue Jun 26, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1358

Re: Thinking about 2019 trip to Dubrovnik, Croatia

Well, no one has directly brought this up, so I will. It might not be the best idea to make your first trip to Europe one to Croatia. If one has only gone to the Caribbean, a trip across 6 time zones, usually involving an overnight flight, and entailing at least one airport connection may be more d...
by theplayer11
Tue Jun 26, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11671

Re: When did you start flying business class?

Even with miles, I am judicious about it. When I fly TO Europe, I try to go business class. As someone else mentioned, the seat IS business class. For me anyway. I can barely sleep in economy and so that overnight flight east is just miserable for me if I'm not in a lie flat sleep. Coming FROM Euro...
by theplayer11
Tue Jun 26, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7047

Re: Family dynamics/in laws/am I being petty?

Whether or not an extra $35 is a lot of money to me or not is irrelevant IMO. If I found $35 on the street I’d be excited. If I found out I bought something and another store had the same item for $35 cheaper, I’d be ticked off. I think being told I should be “generous” or “pick up the whole tab th...
by theplayer11
Tue Jun 26, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11671

Re: When did you start flying business class?

we have been traveling to Europe the last 5 years. We use points and sometimes we fly coach, sometimes first and sometimes both. To be honest, I don't mine coach...watch a few movies and time goes by fast. I would rather save the points for more trips.
by theplayer11
Tue Jun 26, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7047

Re: Family dynamics/in laws/am I being petty?

so basically, your SIL and BIL are not paying for their own kids meals...you are. Yes, that would anger me as well.
by theplayer11
Tue Jun 26, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1358

Re: Thinking about 2019 trip to Dubrovnik, Croatia

I'm thinking about going as well, but in Feb. Just started my research, but it does seem a little more overwhelming than our previous trips to Switzerland and Germany. We normally like to stay in 1 spot as a hub and do day trips. With the trains it was easy..Not so sure about Croatia.
by theplayer11
Sun Jun 24, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 56
Views: 5079

Re: How to pay college tuition from a 529?

I've had a lot of experience with this. For Boglehead-type parents with at least upper middle class incomes, I suggest having the check made out to your kid or to the school. If the check is made out to the parent, it will be reported via Form 1099-Q in the parent's Social Security number. Which of...
by theplayer11
Sat Jun 23, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14691

Re: Did you celebrate when you finally hit $1m?

$1m in retirement savings is worth a celebratory beer. Net worth, not so much for me. I have 2 properties paid off, but will never sell as they will go to kids.....so it doesn't matter to me what they are worth.
by theplayer11
Wed Jun 20, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 2116

Re: Storing Sustenance for Disasters

will just do some fishing ..or shoot a rabbit
by theplayer11
Sun Jun 17, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5293

Re: A vehicle that "sits up" but can't afford CRV

99% of people are confused with seating position, you want to be as low as possible looking as far out and up as possible. Look for cars with great visibility, which has nothing to do with car height or sitting up as you put it. Lots of compact SUVs I've sat in have terrible A-pillar blind spots. H...
by theplayer11
Sun Jun 17, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3448

Re: How to calculate "fun money" per year?

IMO, too many here are overly concerned with retirement saving. Yes, obviously it's important to save for retirement, but you need to live life too while you're still young and healthy.
by theplayer11
Sun Jun 17, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 1977

Re: Italy Trip Questions

from east coast? check out aer lingus to Dublin, especially if you have points.
by theplayer11
Sun Jun 17, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6967

Re: can we afford to spend $20K on travel annually

I'm glad we play the credit card game and can travel so very cheaply. 10 day trip to Germany last year cost wife and I a little less than 2k.
I'm all for travel, but will not pay "full" price.
by theplayer11
Sat Jun 16, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6534

Re: Contractor - Threatening Lien/Lawsuit

wow, so many red flags..you got scammed