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  1. M

    Hudson Valley - comments?

    I currently live in the Hudson Valley. Beacon has undergone a lot of transformation over the last few years and has a very nice Main Street area. It has an active arts scene. It is on the east side of the river with trains that go right into NYC. I also like Cold Spring which is the town...
  2. M

    College aid/funding questions???

    Is there some kind of proof you need to show that they are spending more than half time at the other parent's house? I am the parent they are currently living with during the school week and they attend the local school in NY, but their father lives in NJ (a little over an hour away). He makes...
  3. M

    College aid/funding questions???

    I am a single parent of two children - currently a high school freshman and an 8th grader. It is time for me to start learning about what I need to do to best position them for college funding. I live in NY state and my income just barely gets me into the 24% federal tax bracket. I am...
  4. M

    HSA contributions - better through payroll deduction or on own?

    This may be a dumb questions but here goes... Is it better to contribute additional contributions to my HSA through payroll deduction (I am a federal employee) or on my own direct to my HSA? Does it make any difference for taxes? Thanks!
  5. M

    Retiring as a lifetime renter?

    Hello everyone. I'm a federal employee that has moved around a lot, including overseas, and so I have never owned a home. I really don't want to be tied down in one location, and I have no interest in all of the work associated with owning your own home. I'm a single parent with two kids (now...
  6. M

    Federal Health Care Plans and Open Season: GEHA HDHP vs. Foreign Service Plan

    I get $125/month contributed into my HSA if I go with the HDHP.
  7. M

    Federal Health Care Plans and Open Season: GEHA HDHP vs. Foreign Service Plan

    I'm a federal employee that has been using GEHA HDHP for years to be able to use the HSA. Now I'm toying with switching to the Foreign Service Plan mostly because it covers 40 massages per year. :laugh: Thoughts? Am I crazy to give up the potential to put money into the HSA? It's just me...
  8. M

    54 and selling everything..........

    Good luck with everything! I would love to do this as well, but I"m about 10 years behind you, so I would love to hear updates!
  9. M

    New to Site 42 and a lot to learn

    Does anyone happen to know if federal employees have the option of adding additional funds into the TSP over the $18000?
  10. M

    New England and Upstate NY

    I grew up in the New Haven, CT area. I have been overseas most of my adult life but recently moved to the Hudson Valley area of New York.
  11. M

    Reasonably priced travel tours/groups

    Thank you for all of the suggestions. Time to do some research!
  12. M

    Reasonably priced travel tours/groups

    I love to travel but I get tired of traveling alone. I don't have many friends that like/can afford/have the time to travel. Can anyone recommend a reasonably priced company that does tours? Or maybe know of a group that puts together excursions one could join? The more reasonably priced...
  13. M

    Vacation destinations for great weather (70's, not humid) during summer months?

    Scotland, Ireland, Wales, England, Norway, Sweden, Finland, Iceland
  14. M

    Nooo! One of the Car Talk guys passed!

    It was a great show. That laugh!
  15. M

    37 and looking to graduate in 2027

    2023 is my goal year, but 2028 is my no later than date. So depending on how things go, it could be 2027.
  16. M

    Magic Jack Internet Phone Service

    I've used it in Japan and various countries in Europe (mainly Germany and Portugal) without any problems at all for the last three or four years (can't remember exactly when I got it).
  17. M

    Online bank recommendations?

    I need to find an online bank to use. What I most want: no-fees for any ATM withdrawals, reimbursement of fees charged by ATMs of other banks, no fee for withdrawal of foreign currency (Euros) at foreign locations, easy way to deposit checks. A decent interest rate would be nice but rates are...
  18. M

    What is your pet peeve of the day?

    People who come to this board and post that they have a net worth of 8+ million and no debt and asking if they have enough money to retire. Ah wait.... that might not be a pet peeve; that might be jealousy.
  19. M

    Chip and PIN credit cards for Europe

    I have a chip card from PenFed. I use it here in Portugal all the time. It automatically asks for a signature.
  20. M

    Share your FIRE Milestones - 2013- 2020

    I hit it!
  21. M

    Renting in retirement

    I'd love to hear the experiences of people who rent (instead of owning their own home) in retirement. Pros? Cons? Difficulties you didn't expect? I hope to retire in 10 years, have never owned a home, and really don't want to. I currently live in Europe and my employer pays for my rent but...
  22. M

    Share your FIRE Milestones - 2013- 2020

    Congrats on the $600,000.... I'm hoping to hit that milestone soon.
  23. M

    Netflix movie or show suggestion

    I love The Office! I'm rewatching it... currently on Season 5.
  24. M

    What to do with old CDs?

    swapacd.com You can earn credits that are interchangeable between swapacd.com,swapadvd.com, and paperbackswap.com
  25. M

    Anyone else with a 10yr retirement goal with $50-60k post-retirement expenses?

    I'm 40, hoping to retire in 10 (stretch goal) to 15 years. I don't own a home and don't want to. I'd love to hear from other people who do not own a home and plan to rent for the long-term.
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