Search found 514 matches

by need403bhelp
Wed Apr 18, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9251

Re: Got hit with a $2800 Medical bill. Can I negotiate?

While the various types/models of HMOs differ, such HMOs (in my experience) do much better at telling you what something will cost. In my current plan (Kaiser) a great many types of surgery are done outpatient or only an overnight stay - at their facility. No matter what the type done at their faci...
by need403bhelp
Wed Apr 18, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Parents' joint EF - PurePoint Financial vs Synchrony vs other
Replies: 0
Views: 205

Parents' joint EF - PurePoint Financial vs Synchrony vs other

Thank you all for your past help! My parents' asked me to help them move their EF/investigate options as they are earning ~0.15% APY at their credit union. My current plan is an FDIC insured high-yield savings (HYS) account for now, with $25k/year going to I-bonds at Treasury Direct until HYS is dep...
by need403bhelp
Mon Apr 16, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA as emergency fund [unique situation, for parents]
Replies: 8
Views: 580

Re: Backdoor Roth IRA as emergency fund [unique situation, for parents]

The Kitces article will give you all the information you need. However, it makes it easier if you get the terminology straightened out. Your parents are over 59-1/2 so the terminology is relatively moot; but for you, use the term "backdoor Roth conversion" and not "backdoor Roth contribution." In r...
by need403bhelp
Mon Apr 16, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA as emergency fund [unique situation, for parents]
Replies: 8
Views: 580

Re: Backdoor Roth IRA as emergency fund [unique situation, for parents]

...there would be NEITHER tax NOR penalty for converted pre-tax assets that are withdrawn prior to 5 years for my mother who is >59.5 years old. Is the fairmark interpretation the correct one? Yes. See also Two 5-Year Rules For Roth IRA Contributions & Conversions : Thus, for those who are already ...
by need403bhelp
Sun Apr 15, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA as emergency fund [unique situation, for parents]
Replies: 8
Views: 580

Re: Backdoor Roth IRA as emergency fund [unique situation, for parents]

Re 2Bi), I had another question. With my own backdoor Roths via Vanguard, there is usually a few cent balance that accrues in my traditional IRA before Vanguard allows me to convert it to Roth. It seems that this would go under the "Taxable Conversion Dollars" category in the chart above, and would...
by need403bhelp
Sat Apr 14, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 30
Views: 2532

Re: Insight Card (APY 5%) full personal review

In case it is helpful to anyone, I've had an Insight card or more for more than a year now. I think the issue with mailing the cards is that the apartment number somehow gets dropped off the address by the system automatically (it may actually be the entire 2nd address line). This happened on my las...
by need403bhelp
Sat Apr 14, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA as emergency fund [unique situation, for parents]
Replies: 8
Views: 580

Re: Backdoor Roth IRA as emergency fund [unique situation, for parents]

See Roth IRA as an emergency fund for general comments. For specific questions: 2A) You understand correctly. 2Bi) Yes, the non-deductible tIRA contribution amount converted to a Roth (aka the basis) is neither taxed nor penalized if one gets to that point in the distribution ordering. 2Bii) Earnin...
by need403bhelp
Sat Apr 14, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA as emergency fund [unique situation, for parents]
Replies: 8
Views: 580

Backdoor Roth IRA as emergency fund [unique situation, for parents]

Thank you all so much for your prior help! I have previously helped my parents transfer their retirement investments from Voya to Fidelity. Now, my parents asked me to help them find a good alternative for their ~$100,000 emergency fund earning 0.15% in their credit union savings account. The credit...
by need403bhelp
Thu Apr 12, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: I-Bonds/Treasury Direct Contingent Beneficiary
Replies: 4
Views: 313

Re: I-Bonds/Treasury Direct Contingent Beneficiary

Yes, the bonds become part of the probate estate of the survivor and subject to that person's will. Gill I see. Thank you so much for the clarification. As my parents' will was drafted before they started buying I bonds, do they need to change the will to specifically mention I bonds? Or is this so...
by need403bhelp
Thu Apr 12, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: I-Bonds/Treasury Direct Contingent Beneficiary
Replies: 4
Views: 313

Re: I-Bonds/Treasury Direct Contingent Beneficiary

Yes, the bonds become part of the probate estate of the survivor and subject to that person's will. Gill I see. Thank you so much for the clarification. As my parents' will was drafted before they started buying I bonds, do they need to change the will to specifically mention I bonds? Or is this so...
by need403bhelp
Thu Apr 12, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 3702

Re: High-yield Savings

2 things you can't do with online only banks: 1- Notary public if needed 2- Depositing cash (I think Capital 360 is now offering this, not sure) Other than this, you can't go wrong. I keep a small direct deposit to BoA to keep it open and fee free just in case. My main checking account is Charles, ...
by need403bhelp
Thu Apr 12, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: I-Bonds/Treasury Direct Contingent Beneficiary
Replies: 4
Views: 313

I-Bonds/Treasury Direct Contingent Beneficiary

Dear All: My wife and I purchase I bonds as part of our emergency fund and my parents (I am an only child) also now asked me to help them purchase I bonds. Currently, my I bonds are registered me WITH DW and hers are registered DW WITH me. We also give each other transact rights for these bonds. I a...
by need403bhelp
Wed Apr 11, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Against Disability with SAHM?
Replies: 19
Views: 932

Re: Protecting Against Disability with SAHM?

Out of curiosity, if you get a standard own-occupation disability policy from one of the major disability insurers while working and then become a stay-at-home parent, can you usually keep the policy? If so, will it pay out if you become disabled while you are not working?
by need403bhelp
Wed Apr 11, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Redesigned 2019 Forester - details now available
Replies: 18
Views: 3245

Re: Redesigned 2019 Forester - details now available

Need403bhelp, it’s a “new version” of a very tried and true engine, the 2.5L boxer that’s on almost every Subaru. They added direct injection to get more performance. But it’s the same basic engine design, and direct injection is hardly new technology. I wouldn’t let this keep me from buying the ne...
by need403bhelp
Wed Apr 11, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 3702

Re: High-yield Savings

2 things you can't do with online only banks: 1- Notary public if needed 2- Depositing cash (I think Capital 360 is now offering this, not sure) Other than this, you can't go wrong. I keep a small direct deposit to BoA to keep it open and fee free just in case. My main checking account is Charles, ...
by need403bhelp
Tue Apr 10, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 3702

Re: High-yield Savings

2 things you can't do with online only banks: 1- Notary public if needed 2- Depositing cash (I think Capital 360 is now offering this, not sure) Other than this, you can't go wrong. I keep a small direct deposit to BoA to keep it open and fee free just in case. My main checking account is Charles, ...
by need403bhelp
Tue Apr 10, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

Just wanted to update this thread. We did some more test driving. Below are our thoughts on the new contenders: 2018 Outback - we liked the ride comfort (less bumpy than Forester) and quietness of the cabin as compared to 2018 Forester. My wife still has concerns about the length of the car vs the F...
by need403bhelp
Tue Apr 10, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Redesigned 2019 Forester - details now available
Replies: 18
Views: 3245

Re: Redesigned 2019 Forester - details now available

Any reasons why the 2019 Forester may be more or less risky to buy than a usual first year of a new generation? I know that it is built on the Subaru Global Platform, which is currently used for the ?2018 Impreza. However, some features seem to be new, for example, the engine: https://www.subaru.com...
by need403bhelp
Thu Apr 05, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 69
Views: 8018

Re: Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. Rather than do workarounds with ETF quotes, which are actually up-to-date, I've replaced my Google Finance functions and now pull all fund quotes fr...
by need403bhelp
Thu Apr 05, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

After just a few years with children it is really hard to beat a minivan - in our experience either an Odyssey or Sienna. Just send some time observing the pick-up lines at your local elementary, middle and high school and it will all become clear. I see. What do you think are the advantages of a m...
by need403bhelp
Wed Apr 04, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

2019 Premium Forester adds the following to standard trim: X-Mode with hill descent; 17' alloy wheels in black w/ machine finish; body-color side mirrors; panoramic power moonroof; roof rails and rear spoiler; privacy glass; premium cloth upholstery; 10-way power driver's seat; front-passenger's au...
by need403bhelp
Tue Apr 03, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

stuyguy wrote:
Tue Apr 03, 2018 6:16 pm
The 2019 Forester brochure I picked up at the NY auto show lists Rear AC vents at the Premium trim level but not the standard level
Thanks! We were looking at the 2018 2.5i Premium so it sounds like the rear AC vents would come on the 2019 Premium as well?
by need403bhelp
Tue Apr 03, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

One more question. I'm currently trying to figure out whether or not the rear vent situation (or center console rear vent) is changing in 2019 Forester. Let's say the 2019 Forester IS getting a center console rear vent and we wanted to wait for it. If so, what would be our options for commuting fro...
by need403bhelp
Tue Apr 03, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

One more question. I'm currently trying to figure out whether or not the rear vent situation (or center console rear vent) is changing in 2019 Forester. Let's say the 2019 Forester IS getting a center console rear vent and we wanted to wait for it. If so, what would be our options for commuting fro...
by need403bhelp
Tue Apr 03, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

One more question. I'm currently trying to figure out whether or not the rear vent situation (or center console rear vent) is changing in 2019 Forester. Let's say the 2019 Forester IS getting a center console rear vent and we wanted to wait for it. If so, what would be our options for commuting from...
by need403bhelp
Tue Apr 03, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

Consumer Reports just issued new report on 2019 Subaru Forester: https://www.consumerreports.org/suvs/2019-subaru-forester-preview/ Thanks so much! As an update - we have done overnight test drivers of the Forester, CR-V, and RAV4. We actually really liked the CR-V and would have bought it, but the...
by need403bhelp
Fri Mar 30, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

Yes, vehicles like the Forester with a lot of glass will generate more heat & that is what you get to test at dealerships. I, like many others, have the windows tinted, which helps keep the car cool. I live in the Orlando area & the a/c does what it needs to for me, keeps it plenty cool Do you ofte...
by need403bhelp
Thu Mar 29, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

Yes, vehicles like the Forester with a lot of glass will generate more heat & that is what you get to test at dealerships. I, like many others, have the windows tinted, which helps keep the car cool. I live in the Orlando area & the a/c does what it needs to for me, keeps it plenty cool Do you ofte...
by need403bhelp
Thu Mar 29, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

Yes, vehicles like the Forester with a lot of glass will generate more heat & that is what you get to test at dealerships. I, like many others, have the windows tinted, which helps keep the car cool. I live in the Orlando area & the a/c does what it needs to for me, keeps it plenty cool I see. Than...
by need403bhelp
Thu Mar 29, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

I think we will probably add the Outback to cars we will test drive. My main concern with Forester and RAV4 is lack of back seat vents. We live in the South and it gets very very hot here many months of the year. Outback has vents in the back. Also, although I'm not a huge fan of CarPlay, it is also...
by need403bhelp
Thu Mar 29, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

All 3 are solid vehicles. It will just boil down to what you feel most comfortable driving, sitting position etc. I’d take a couple of test drives for each and try to feel the car. Thanks, we have done overnight test drives of both the Forester and CR-V. We are using Toyota Rent a Car to overnight ...
by need403bhelp
Thu Mar 29, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

All 3 are solid vehicles. It will just boil down to what you feel most comfortable driving, sitting position etc. I’d take a couple of test drives for each and try to feel the car. Thanks, we have done overnight test drives of both the Forester and CR-V. We are using Toyota Rent a Car to overnight ...
by need403bhelp
Tue Mar 27, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

For longevity look at the RAV4 Hybrid. There is a reason they are used as taxi's. Many with 200k+. Simple one speed transmission and Adkinson engine for longevity. Granted not the best AWD but with the gas savings you can purchase winter tires to enhance start/stop/traction to supersede other AWD's...
by need403bhelp
Tue Mar 27, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

For longevity look at the RAV4 Hybrid. There is a reason they are used as taxi's. Many with 200k+. Simple one speed transmission and Adkinson engine for longevity. Granted not the best AWD but with the gas savings you can purchase winter tires to enhance start/stop/traction to supersede other AWD's...
by need403bhelp
Sat Mar 17, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

I picked my list based on the Consumer Reports compact SUV rankings - #1 Subaru Forester, #2 Honda CR-V, #3 Toyota RAV4. Mazda CX-5 is #5 on that list. My thoughts were that Consumer Reports is a non-profit and, although it sells magazines, it has a reputation to keep as an unbiased source of revie...
by need403bhelp
Sat Mar 17, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

I went through this same process in 2016 when shopping for my SUV. Went with the Mazda CX-5 Grand Touring with the Tech and safety packages, been very happy with it. I would at least test drive it before you pull the trigger on your purchase. Thank you so much for sharing your experience and for yo...
by need403bhelp
Sat Mar 17, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

I would also recommend looking at the CX-5. The interior is far nicer and ergonomics much better than the Toyota and Subaru. It also has the benefit of being somewhat fun to drive but it is slightly smaller. The Toyota and Subaru both use poorly designed infotainment systems that rely on touch scre...
by need403bhelp
Sat Mar 17, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

When I said "base" I may have misspoke. I just meant in general the non premium models. For instance, when I had a 2009 legacy GT (turbo), a bearing came loose in the engine at around 4,000 miles. Engine replaced under warranty. They apparently switched suppliers of their bearings that year and had...
by need403bhelp
Fri Mar 16, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

I would give serious consideration to the CX-5 even if CR ranked the others a bit higher. It's a more stylish, better-driving vehicle with a nicer interior than the Forester, RAV4, and CR-V. Its main downside is that it has a little bit less room (at least compared to the RAV4 and CR-V) but it's st...
by need403bhelp
Fri Mar 16, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

My one comment on that list is that if you are interested in the Forrester and those other cars you would probably want to look at the Outback before you decide. As far as known problems mostly the car you buy today will not have the problems everyone yaks about and will have some other problem eve...
by need403bhelp
Fri Mar 16, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

My one comment on that list is that if you are interested in the Forrester and those other cars you would probably want to look at the Outback before you decide. As far as known problems mostly the car you buy today will not have the problems everyone yaks about and will have some other problem eve...
by need403bhelp
Fri Mar 16, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

We are planning to purchase a new compact SUV in the next few months and are looking at: (1) 2018 Subaru Forester 2.5i Premium (2) 2018 Honda CR-V EX-L FWD (3) 2018 Toyota RAV4 XLE FWD with "Power Plus" or "Power Premium" package The Subaru is rated #13 out of #16 compact SUVs by Car & Driver. - Ad...
by need403bhelp
Thu Mar 15, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

Re: 2018 Forester vs CRV vs RAV4

I cannot speak for the Forester but I love Subarus! I have a 2017 Outback Limited w/ Eyesight and it is unbelievable! I will forever own Subarus at this point since the technology, drive, and design are much nicer than Honda or Toyota, plus it has AWD standard. The drive really is better especially...
by need403bhelp
Thu Mar 15, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11537

2018 Forester vs CRV vs RAV4

We are planning to purchase a new compact SUV in the next few months and are looking at: (1) 2018 Subaru Forester 2.5i Premium with this package "All-Weather Package[4]• EyeSight Driver Assist Technology[8] • Blind Spot Detection / Rear Cross Traffic Alert[10]• Power Rear Gate • Steering responsive ...
by need403bhelp
Thu Mar 15, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 194
Views: 21695

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

i have a 2005 CR-V that has never had an issue ( other than airbag recall ), we needed to replace it as my son is now driving it... first thought was to buy another CR-V or Forester and look at the RAV4 ( which we did before buying the first CR-V ). the new CVT tranny crossed the CR-V off the list,...
by need403bhelp
Wed Mar 14, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 194
Views: 21695

Re: My 2017 CRV is a victim of the dreaded oil gas dilution issue

Just saw this thread. We are actually currently looking to buy a Subaru Forester vs Honda CR-V vs Toyota RAV4, all 2018 year. We weren't really leaning towards the CR-V (our first test drive experience was not that great, we did a 2nd test drive, but for some reason they don't want to let you drive ...
by need403bhelp
Thu Mar 08, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1555

Re: Best Mac budgeting and finance tool?

MOneydance also has free iPhone app. I use it for transaction entry for which it works very well. Syncs encrypted file via ?Dropbox if I recall correctly.
by need403bhelp
Wed Mar 07, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18539

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Please add me and my wife to the waiting list.

Thanks!
by need403bhelp
Wed Mar 07, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1555

Re: Best Mac budgeting and finance tool?

sam5 wrote:
Wed Mar 07, 2018 7:28 pm
Take a look at Moneydance. It stands alone (not cloud based) and has worked well for me for years.

https://infinitekind.com/moneydance
+1
by need403bhelp
Mon Mar 05, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sufficient term life insurance for DW?
Replies: 18
Views: 1242

Re: Sufficient term life insurance for DW?

Thanks - just to clarify, is this based on (a) kids being out of the house in 20 years or (b) expected retirement/taxable net worth in 20 years, or (c) both? Thanks! We shopped for term life after we had our first child in our early 30s. We found the 20-year to be much cheaper than the 30-year. Whi...