Search found 129 matches

by Edie
Wed May 24, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Milestones (significant to me!)
Replies: 6
Views: 1422

Milestones (significant to me!)

Crossed 100k in retirement and HSA accounts (not counting refundable piece of pension) in April, which is cool and great and all, but... I'm way more excited by the fact that I just changed my 457 contribution to max out by the end of the year for the first time ever!! This was helped along by an un...
by Edie
Mon May 22, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 7435

Re: Mexican Pacific Beaches

There are very few swimmable beaches in CSL/SJdC, if you are interested in actually being in the water. The resorts we have been to there have made up for this with lots of swimming pools, but I like the ocean, so we have ruled out CSL for future visits for this reason. YMMV.
by Edie
Mon May 15, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 16227

Re: Can you suggest a mortgage lender who does not resell

If your originating mortgage lender keeps the servicing, but sells the mortgage - how do you know this? I would be near certain that my current and former first mortgages with Navy Federal Credit Union have been sold, but I do not recall ever getting any notice of this. Ours have always been a sing...
by Edie
Thu May 11, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 18220

Re: Most Common Financial Mistakes

I think many have it completely off. The biggest destroyers of wealth 1) Divorce 2) taxes and not maximizing retirement accounts if possible 3) too much house 4) new cars every 3 years that are outside your income 5) spending an unlimited amount of money on kids. If a family can prevent the above, ...
by Edie
Thu May 11, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 16227

Re: Can you suggest a mortgage lender who does not resell

... To be fair, the local bank does continue to service my loan; so the sale has not impacted me at all... This is noteworthy. As previous posters have mentioned, most (if not all) mortgage originators will sell the loan. You are much more likely, however, to find an originator who will still servi...
by Edie
Thu May 11, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Should I switch my home electric bill to "Time of Day" billing?
Replies: 22
Views: 2846

Re: Should I switch my home electric bill to "Time of Day" billing?

We switched, and we live in one of the hottest climates in the country (but only humid for a couple months a year), from 3pm-6pm we do not run our AC unless it gets to 85 degrees in the house (can't remember it doing so), we cool the house down slightly more than where it is normally set from 2-3, a...
by Edie
Wed May 10, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Debt Free Scream! 174K in 53 months
Replies: 24
Views: 4646

Re: Boglehead Debt Free Scream! 174K in 53 months

Congratulations. That is an impressive feat! Enjoy your well-deserved vacation.
by Edie
Tue Apr 04, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 10437

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

Previous employer allowed vacation cash out, but not sick days.

Current employer allows vacation cash out upon leaving, and if you've accumulated more than 500 hours sick time and are retiring, you can cash that out at 25%, but not for just leaving for another job.
by Edie
Tue Apr 04, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 371
Views: 57378

Re: Low-earners- What is your profession?

Gross household income crossed $100k, but only part of it is taxable, so unsure if we "qualify" for the under 100 thread. I am working/studying to become an actuary. Started at $50k in 2011 after graduating (at age 33, I was a SAHM from 97-07, started college after separation/divorce to be...
by Edie
Fri Mar 03, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2388
Views: 542880

Re: Share your net worth progression

Decided to share even though not as impressive as others. I only have approximate #s in the earlier years, since I didn't actually track until 2012 when I became eligible for 401k at work. Loans and investments only, mortgage/equity is left out of the calculations because our house is where we live,...
by Edie
Thu Feb 23, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 2177

Re: Credit card limits

Credit Karma puts "my/our" available credit around $240k, spouse has another $15k solely in his name. We pay in full monthly, except for a couple promotional purchases (Home Depot and Amazon, both of these cards are only ever used for promotional purchase, 0% for 6 to 18 months). I cannot ...
by Edie
Wed Feb 08, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 10612

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

I am actually nervous about being able to hit the $4k spend mark in the next three months. I currently have the Fido Visa 2% cash back card and am wondering after three months how to get the best of both cards. Is anybody in this situation? You might be able to frontload some future expenses such a...
by Edie
Wed Feb 08, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSA record keeping
Replies: 7
Views: 1633

Re: HSA record keeping

... 2. And if she doesn't use the HSA thereby letting it grow, invests it and uses it for qualified expenses many years later, then would she be required to have documentation for all of these expenses even if from 40 years earlier? ... 4.This may be obvious, but couldn't one just put in the maximu...
by Edie
Thu Jan 26, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Saving on tax software
Replies: 15
Views: 2671

Re: Saving on tax software

I've used TaxHawk since 2008. Their state returns are 15 dollars, and federal are always free (there are upgrades you can buy, like access to audit specialists and unlimited amended returns for 7 dollars and a professionally bound copy of the return for 13 dollars, etc). When I was getting ready to ...
by Edie
Tue Jan 24, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 86
Views: 9909

Re: Need a good commuter car fairly soon

Prius is great, but quite possibly the ugliest car on the road. Prius is great, but quite possibly the ugliest car on the road. "Ugly" is in the eye of the beholder! Among many "save the environment" folks, a Prius (or other hybrid or electric) seems to be somehat of a "sta...
by Edie
Wed Dec 14, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 20924

Re: How old is your vehicle?

We have 4 cars for 4 drivers ( :oops: ) 02 Buick Century, 04 Ford Expedition, 07 PT Cruiser, 11 Toyota Prius. The Prius was purchased new to replace a 96 Jeep Cherokee, but the other 3 cars have been purchased used (the 02 is actually the newest addition to the house, bought a few months ago by our ...
by Edie
Tue Nov 29, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Selling a life insurance policy
Replies: 9
Views: 1559

Re: Selling a life insurance policy

Some key missing pieces of information: 1. What is the net cash value of the policy? 2. Is there any existing loan balance on the policy (has he taken loans from the policy in the past)? 3. What is the tax basis of the policy (should be equal to cumulative premiums paid, if there have no withdrawal...
by Edie
Tue Nov 15, 2016 4:36 pm
Forum: Personal Investments
Topic: Missed HSA election window at company, can I still contribute on my own?
Replies: 8
Views: 2241

Re: Missed HSA election window at company, can I still contribute on my own?

You can deposit your HSA money into the same account you already have, or you can get a different one if you want. I did my HSA contributions to my company-provided account this year post tax and will get the deduction when we file our taxes. I believe you can deduct HSA contributions when it comes ...
by Edie
Mon Aug 15, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 18646

Re: How much vacation time do you get at work?

Until I get a bump in vacation in another year and a half (5 more days), I have 10 paid holidays 13 vacation days (can accrue 40 days before it starts being use it or lose it... I will never accrue this much :wink: ) 12 sick days (can accrue without limit) Our division's (possibly company, but I'm o...
by Edie
Thu Jul 14, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 45613

Re: Where were you financially when you were at 30?

At 30 I was recovering from a divorce the prior year (had been a stay at home mom for 10 years), had 3 children ages 6 to 11, and was in school, supporting our girl tribe via a combination of student loans, grants, scholarships and two part-time jobs. Net worth was decidedly negative. ~8 years later...
by Edie
Sat Jul 02, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 4070

Re: Save Thousands on Dental Expenses!

Another vote for the sonicare. My hygienist loves me and tells me so every time I see her, says I'm her easiest patient.
by Edie
Fri Jun 24, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Verizon raised unlimited data by $20
Replies: 49
Views: 5628

Re: Verizon raised unlimited data by $20

The $20 monthly increase for unlimited data was what drove our switch too... we were at $240 (inclusive of tax) a month for 4 cellphones (2 without data), and it was going to be $280 + some increase in taxes. We switched to T-mobile 6Gb (not shared, each) plan for $130 a month (inclusive of tax), an...
by Edie
Wed Jun 15, 2016 10:31 am
Forum: Personal Investments
Topic: HSA- how much do you actually invest?
Replies: 42
Views: 6410

Re: HSA- how much do you actually invest?

None currently. Have only had it since last year, and had a job change in the beginning of year after some expensive tests for spouse (tried really hard to wait until after job change but couldn't make it happen :oops: ), and then still hit OOP max at new job so spent the full amount we put in, and ...
by Edie
Wed May 18, 2016 4:37 pm
Forum: Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1768

Re: Please help me simplify my/our retirement accounts

So I went to change my allocation today in the 457, and we have new funds! I'm posting them all, although I think it's possibly overkill to do so, since I'm expecting to only use 5 of the available. The most exciting part is there's now a Vanguard international fund :mrgreen: American Funds 2015 Tar...
by Edie
Mon May 16, 2016 12:03 pm
Forum: Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1768

Re: Please help me simplify my/our retirement accounts

So you don't "go crazy" with rebalancing, you need a plan. You can rebalance by percentage with a band (a 2% band means after your allocation has moved up 2% or down 2%: immediately rebalance when your bond percentage hits 23% or 27%) or on a schedule, like every 6 months. I like the band...
by Edie
Mon May 16, 2016 10:55 am
Forum: Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1768

Re: Please help me simplify my/our retirement accounts

There is a general rec for age in bonds down to age - 20. So at your age of 38, 18% bonds is at the aggressive end. But factoring in your husband's age would make an average age of 45, so a minimum of 25% bonds. This is probably a good compromise, and I will work towards it. (Completed about the ti...
by Edie
Mon May 16, 2016 10:38 am
Forum: Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1768

Re: Please help me simplify my/our retirement accounts

Thank you again for responding. Goal is no computers on the weekend, forgive my delayed response/questions :) 18% bonds is very aggressive for your ages. I would recommend at least 30%. Is it too aggressive for my age alone? Yes. At age 38, even if you were by yourself, 18% is very aggressive. Ok. I...
by Edie
Thu May 12, 2016 8:31 pm
Forum: Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1768

Re: Please help me simplify my/our retirement accounts

Thank you so much for the response. Edie , welcome to the forum. Age: Her 38, Him 52 Desired Asset allocation: 82% stocks / 18% bonds Desired International allocation: 40% of stocks 18% bonds is very aggressive for your ages. I would recommend at least 30%. Is it too aggressive for my age alone? Bec...
by Edie
Thu May 12, 2016 5:46 pm
Forum: Personal Investments
Topic: Please help me simplify my/our retirement accounts
Replies: 10
Views: 1768

Please help me simplify my/our retirement accounts

I have been lurking through the forums for about a year (there are so many different fascinating topics/threads, I have to force myself to step away from the computer sometimes) and finally decided that instead of trying to figure the following out on my own, I will ask the collective expertise for ...