Search found 129 matches

by Edie
Tue Dec 19, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 3678

Re: Memories over money

We have stopped doing Christmas/birthday gifts (within our immediate family), and now use that money for 1-2 extra vacations per year. With 6 people in the family, and the beach 4 hours away, we get a lot more enjoyment out of staying at the beach for a week with everyone than shopping or handing ov...
by Edie
Mon Dec 18, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 17122

Re: How much do you spend on food per month, per person?

6 people, including eating out, and household supplies bought at any of the stores my spouse or I grocery shop at (because I do not go through receipts to split that out) since Nov 2012 (since I started tracking with Mint :)) averages out to $900 a month, or $150 per person per month. There was a $2...
by Edie
Fri Dec 15, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2966

Re: What are your favorite tax deductions and credits for 2017?

American Opportunity Tax Credit (AOTC) x 2. The downside of course is two kids in college... Charity by far. No more AOTC with Florida's Bright Future's Academic Scholarship now paying 100% tuition + $300/semester books as of this fall. We were going to have 3x AOTC next year, but our state school ...
by Edie
Thu Dec 14, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14848

Re: How much did you contribute to your 401k in 2017?

my 457b - 18k my Roth IRA - 5.5k spouse's Roth IRA - 3k (may be able to put in the other 3.5k by April, but not counting on it and wouldn't go towards my calc of this year's percent if I did) ages 39 and 53 The above + HSA savings have us saving 27.5% of gross income this year in money I have contro...
by Edie
Mon Dec 11, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 11855

Re: Quit jobs to gain lower EFC

Attempting to game FAFSA is going to be a vast disappointment for most. Mayyybe the kid could qualify for a Stafford loan. Meh. Let's not be naive, if you're on the bogleheads board, your kid isn't going to be qualifying for a Pell Grant. All 4 of our kids should be eligible for Pell grants. Two ha...
by Edie
Mon Dec 11, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 11855

Re: Quit jobs to gain lower EFC

Attempting to game FAFSA is going to be a vast disappointment for most. Mayyybe the kid could qualify for a Stafford loan. Meh. Let's not be naive, if you're on the bogleheads board, your kid isn't going to be qualifying for a Pell Grant. All 4 of our kids should be eligible for Pell grants. Two ha...
by Edie
Mon Dec 11, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 14408

Re: 2018 financial goals - what are yours?

1) Have spouse deemed disabled by SS (hearing in January, almost 3.5 years after last day of work due to disability). 2) Get first credential for my profession and get 15% raise (will still be substantially (30-35%) less than if I worked in private sector but there are more important things than mon...
by Edie
Thu Nov 16, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 2488

Re: Christmas Vacation on a budget

We drive to the beach. Growing up in California (close to Oregon), I'm used to cold ocean, so am perfectly happy with 50 degree days and cold water and no people :) No (other) people is the best part. We spend time as a family, there's plenty of traipsing about, and I don't need to constantly watch ...
by Edie
Wed Nov 15, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 7480

Re: Fair way to split expenses?

We used to do it on a percentage basis, even though I paid all the bills. I just tallied up everything for the month, and he would either write a check, or do a bank transfer. If I were re-doing it, I would put the electric bill in his name to make sure the pain was visible :mrgreen: Now that he's d...
by Edie
Tue Nov 07, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 38883

Re: How old are you and how much do you save for retirement a year

Editing my post because I went back and looked at my spreadsheet :) I don't have any records for my spouse's 401k contributions, but we rolled it into a traditional IRA in 2015 after job terminated due to disability. 2011, first year (month, really), gained access to 401k in December at 33 after 6 m...
by Edie
Mon Nov 06, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6786

Re: Poll-How much do you have in your HSA?

Started in 2015, have 6300 in it. Have maxed it out (family limit) all 3 years we've had it, but have reimbursed out of it as well. This year's reimbursements at least went into my Roth, instead of just into checking to pay the bills, so that's improvement! Have about 14k in outstanding reimbursemen...
by Edie
Wed Nov 01, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6952

Re: Southwest Companion Pass [California only]

Promotional Companion Pass is valid from the time promotion qualifications are met, through December 31, 2018. This is from the offer terms for the "first purchase" promotion involved with this card. If you also hit the 110,000 points in the year, you should get an extension on the Compani...
by Edie
Thu Oct 19, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 11626

Re: How many miles/years do you keep your car?

I drive a 2012 Prius and plan to keep it several more years. I love the MPG but the car is boring, loud, and kind of ugly. That said, I hope it will serve me well for a few more years. My next car will probably be a mid or top-trim family sedan (Accord or Sonata) approx. 3-4 years old. I have a 201...
by Edie
Mon Oct 16, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 11321

Re: What are you driving? And would you buy your current ride again?

2011 Prius, would buy again, but when it gets replaced, the replacement should be a full electric, and hopefully there will be fully self-driving vehicles by then too :) (another 10-12 years is the plan, crossing my fingers to no longer drive myself to work, but let the vehicle do the job instead) 2...
by Edie
Thu Oct 12, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 6626

Re: SUV options with 3 little kids

We just bought a minivan, and our kids are almost grown to grown (15, 17, 19, 20). I freaking love it and so does my spouse. So much cargo space, everyone is comfortable, it's unreal. I was firmly in the "never a minivan" camp, and I'm sorry for all the years we spent squeezed into SUVs. :...
by Edie
Tue Sep 05, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me make sense of my 2017 federal tax calculation
Replies: 22
Views: 3017

Re: Help me make sense of my 2017 federal tax calculation

Thanks all for your comments advise. I corrected w4 and requested to take out an additional amount for tax. I also used tax caster to get an idea about how much tax i owe approximately. So far i used to take into account the cash donations. This year i have and will continue to do significant non c...
by Edie
Tue Aug 29, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 5952

Re: High-Deductible Health Plan vs. Peace of Mind

You've mentioned deductibles, but not OOP max. You need to understand both to make the right decision for you, and that includes whether you're okay with it in your gut. I love our current HDHP and HSA combo (and "liked" it even at my last company with a higher OOP max and lower company HS...
by Edie
Wed Aug 23, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Credit Card for Student with no credit history
Replies: 9
Views: 1191

Re: Credit Card for Student with no credit history

We are looking for a good first credit card for one of our college students. I see on bankrate Discover, Citi, and CapitalOne have cards aimed at students with no credit history (assume they might require parents to co-sign but I'm okay with that). Looks like they even give some cash-back to studen...
by Edie
Wed Aug 23, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14743

Re: Lowes vs Home Depot

I do a ton of projects around the house and the rental when I have spare time. Over the years I usually spent more time at Home Depot. Even though the stores seemed more of a mess I could generally find things I need (except for plumbing parts, what a disaster). We live out in the boonies so going ...
by Edie
Sun Aug 20, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: New job will lump sum me over HSA limit
Replies: 11
Views: 1521

Re: New job will lump sum me over HSA limit

Is the money currently in the account from your previous employer or yourself? Does it matter? Employer contributions aren't subject to a different limit. Well, if it was from his previous employer, the simplest solution would be to keep the $4k and ask the new job for a pro-rated contribution to k...
by Edie
Thu Aug 17, 2017 2:19 pm
Forum: Personal Investments
Topic: Opening an HSA tomorrow...
Replies: 10
Views: 1032

Re: Opening an HSA tomorrow...

One note: Your wife does not have to open her own HSA next year once she has an HDHP (unless her employer puts money in as a carrot to get their employees to use the HDHP). You can deposit the whole family amount in your account (less any employer contributions (from both employers)). My spouse will...
by Edie
Wed Aug 16, 2017 9:30 am
Forum: Personal Investments
Topic: Is there anything I need to know before investing in an HSA?
Replies: 4
Views: 666

Re: Is there anything I need to know before investing in an HSA?

My HSA had a relatively high flat monthly fee for having the investment account open. It made it so that it only made sense to invest with ~$6K+ in the HSA. There was no additional fee for only using the base account that provides checking account level interest. Your company's HSA provider might b...
by Edie
Tue Aug 15, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 8901

Re: Plan for making child pay for part of college

We will not pay for room and board, we're already paying that at home. If they want to live on campus, or away from home, that's on them, and we will not help. Additionally, if they decide not to go to school, we're not subsidizing room and board anymore, and they start paying rent (although much l...
by Edie
Tue Aug 15, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 8901

Re: Plan for making child pay for part of college

Here is how we do it (with a community college as well as a state school where they can live at home). We will not pay for room and board, we're already paying that at home. If they want to live on campus, or away from home, that's on them, and we will not help. Additionally, if they decide not to g...
by Edie
Fri Aug 11, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 15219

Re: Harry Bosch: the Amazon Series vs the novels

L.A. is really the star of this show, the realistic locations, many familiar if you have ever lived there for a while; some of the aerial shots are amazing, wonder if they use a helicopter and if so how they keep the shot so still. Have not read the books, nor seen the series, but I wouldn't be sur...
by Edie
Wed Aug 09, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Cool money savers this month
Replies: 3
Views: 1239

Re: Cool money savers this month

Nice tips. My stepdad has the senior pass, my mom says she's not getting it until he passes (hopefully not for at least a couple decades from now), since she gets in free because of him. I didn't know about the over 55 for T-mobile plan. I need to change my reminder for when my spouse hits 55 from &...
by Edie
Wed Aug 09, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with AMICA???
Replies: 21
Views: 6155

Re: What's the deal with AMICA???

Our Amica policy is yearly, are you sure it was 750 monthly?

They're the cheapest for us, with 2 teenage drivers, one of whom is a boy who's had an at fault accident :annoyed so I don't know how, but I'm grateful, we're saving nearly $1800 a year over the next closest.
by Edie
Tue Aug 01, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 69
Views: 9773

Re: What are your monthly expenses?

Family of 6 (although one of the kids is home to sleep and that's it :annoyed) Taxes/Health insurance: $850 Mortgage/Tax/Insurance: $1,040 Autos/Insurance/Gas: $1,060 Utilities/Cells/TV: $ 650 Groceries/Household goods: $1,000 Vacations: $1,000 Miscellaneous: $1,000 Total Expenses: $6,600 (67%) Savi...
by Edie
Tue Aug 01, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Register for Social Security Site for Children?
Replies: 4
Views: 671

Re: Register for Social Security Site for Children?

From https://www.ssa.gov/pubs/EN-05-10540.pdf "To create a my Social Security account, you must be at least 18 years old and have: ..." Additionally, from https://www.ssa.gov/myaccount/ "You can only create a my Social Security account using your own personal information and for your ...
by Edie
Fri Jul 28, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 6600

Re: Which Credit Card Companies Do You Like?

We have a bunch, and an app that keeps track of which card to use for the best cashback (Wallaby if anyone's interested), but for customer service, Discover is top of my list, even though we don't use their card as much as others. AmEx and Chase tie for second for customer service. I don't think I'v...
by Edie
Thu Jul 27, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 12942

Re: Should you wait until the due date to pay credit card balance?

I have a cash flow spreadsheet, and autopay in full on my cards, I just update the amount in the spreadsheet for the upcoming month (normally by less than 20 dollars, our CC spend is very consistent) once I have the statement balance. All of the reconciling is done throughout the month by logging in...
by Edie
Tue Jul 25, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Late start for college savings
Replies: 16
Views: 2120

Re: Late start for college savings

I graduated college when my oldest was almost 14, just a few months prior to her starting high school. Not a dime saved for my kids' education, and 28k in student loans for myself. Priority was paying off my student loans, and cash-flowing for kids. Having watched me do it, all of my kids knew/know ...
by Edie
Tue Jul 25, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 5374

Re: Pay yourself first.

Pension contributions, max 457 and HSA all come out of my paycheck before I get it. Part of the budget is funding two IRAs (one Roth which gets funds monthly, the other is funded at the end of the year split between Roth and traditional, depending on where AGI is landing), and whenever the checking ...
by Edie
Wed Jul 05, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 9095

Re: What are your health insurance stats?

Employer-based coverage, I would need a large raise to cover cost of benefits if I changed jobs (the reduction in straight premium cost to me with new employer from my previous employer was over $8,000, and I had worse coverage there). I am -very- aware of how lucky we are to have such great coverag...
by Edie
Mon Jul 03, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: When Did You Start Investing Your Own Money?
Replies: 47
Views: 5215

Re: When Did You Start Investing Your Own Money?

First 401k at first job post college 6 years ago (age 32). Alternatively, invested money (borrowed) in college education starting in 2007, huge return on that!
by Edie
Sat Jun 24, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Actuary Career - Thoughts Please
Replies: 20
Views: 4386

Re: Actuary Career - Thoughts Please

why is the failure rate so high? do most just not study enough? (haven't read into details, sorry) Some don't study enough, but there's what's called an effective pass rate, which is where those that score low enough that it's obvious they shouldn't have been taking the test are just dropped out of...
by Edie
Sat Jun 24, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Actuary Career - Thoughts Please
Replies: 20
Views: 4386

Re: Actuary Career - Thoughts Please

The rule of thumb is 100 hours of study for every hour of the exam (and exams are usually 3-4 hours). thats a lot of study time. You missed this part. They will most likely be the most difficult exams you'll ever have to take (pass marks usually hover around 60-70%, with about 35-45% of test takers...
by Edie
Sat Jun 24, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 3301

Re: emerald ash borer disaster

Make sure that it's not actually a bradford pear tree that's been suggested (does not produce fruit, which is why I ask, since the others aren't fruit producers either), and if it is, say **** no. They stink (really bad). I'll let you google for more colorful terms of how they stink.
by Edie
Fri Jun 23, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 6483

Re: Worthwhile TV programming?

I like historical fiction. These are the three I've watched in the past year and enjoyed.
Mercy Street - PBS
Call the Midwife - BBC (Netflix)
The Crown - Netflix
by Edie
Thu Jun 22, 2017 8:12 pm
Forum: Forum Issues and Administration
Topic: Amazon link
Replies: 1
Views: 2441

Amazon link

I just saw this thread https://www.bogleheads.org/forum/viewtopic.php?f=11&t=221763 which says bogleheads gets a referral fee for using the link at the top of the page. That's awesome. Question... Is there any way to change that link to start at smile.amazon.com for the charitable giving benefit...
by Edie
Thu Jun 22, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Actuary Career - Thoughts Please
Replies: 20
Views: 4386

Re: Actuary Career - Thoughts Please

If everything has come easy to her thus far, she will have a much harder time with the exams than someone who has had to study to understand the material and get good grades. I had 4.0+ GPA throughout high school and college (10+ years between the two educational stints) with very little effort, and...
by Edie
Mon Jun 19, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 3690

Re: Change Auto & Umbrella Insurance after 52 years?

You could ask them to meet the new policy price quote before dumping them (but Amica likely wouldn't - they are one of the most expensive insurance carriers out there from the quotes/comparison I did last year - they will likely try to sell you on how much better their claim process is - but if you...
by Edie
Tue Jun 13, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Discover It Cashback
Replies: 3
Views: 802

Re: Discover It Cashback

Yes, as long as it is purchased by 6/30, it will work. Doesn't matter when your statement ends, the quarters go by the date of purchase.
by Edie
Tue Jun 13, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 7131

Re: Moving to Phoenix. Need advice.

Don't you find disturbing the large numbers of drugged zombies wandering the streets and offramps of Phoenix? I've been to Phoenix a couple of times recently. Both times I was deeply disturbed by the high numbers of clearly doped up zombies wandering the streets all over the place with robbery and ...
by Edie
Tue Jun 13, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 7131

Re: Moving to Phoenix. Need advice.

I don't agree with all the negativity towards the west side of the valley (we love our neighborhood and PUSD schools), although I would like a little less sun for my morning commute in the summer, but sunglasses and my car's shade work pretty well to combat that, but I want to add a helpful website ...
by Edie
Wed Jun 07, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting
Replies: 47
Views: 6195

Re: Budgeting

+1 for mint.com All my bank info and cards are loaded in for me and my wife. The trends are great to show net income over time, expenses, net worth over time, etc. One issue I have with it is if my transfer money from my checking account to my vanguard taxable mutual fund it counts that as an expen...
by Edie
Wed Jun 07, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Nanny or Afterschool Helper finding advice
Replies: 9
Views: 1356

Re: Nanny or Afterschool Helper finding advice

Another +1 for care.com, my oldest used it to find a nanny/afterschool helper position that she had for about 9 months until the family moved to California. She then decided she didn't want to get attached to a kid not related to her like that again, and found a job through her university instead. S...
by Edie
Wed Jun 07, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting
Replies: 47
Views: 6195

Re: Budgeting

I use Mint and Excel, but neither really for budgeting. I use Mint because it aggregates all our spending and I can look at a list of transactions across all accounts and easily note if anything is out of place (being charged by the newspaper this week when I paid up front for a year September last ...
by Edie
Tue Jun 06, 2017 1:51 pm
Forum: Personal Investments
Topic: Help with how much I lose out on if I pay off car instead of maxing out $5,500 for Roth this year?
Replies: 44
Views: 4742

Re: Help with how much I lose out on if I pay off car instead of maxing out $5,500 for Roth this year?

I'm having a difficult time trying to understand purely the math of how much I lose out on long term if I chose to pay off my car that has a balance of $6,100 rather than maxing out the Roth this year. I'm 32 yrs old right now with a current Roth balance of $16,000. Assuming I max out the Roth ever...
by Edie
Fri Jun 02, 2017 12:52 pm
Forum: Personal Investments
Topic: HSA required baseline cash balance
Replies: 3
Views: 727

Re: HSA required baseline cash balance

I believe it is fairly common. My HSA cash minimum is $1k. The fees for opening the investing portion above the cash minimum make it prohibitively expensive to invest amounts barely over that threshold. Some HSA brokers do not have a cash minimum and some just charge more for not meeting it. Ours i...