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Thinking about wills and last days

February 24th, 2020 at 09:02 pm

Maybe this is a morbid topic but FIL’s recent death along with our ages too I guess is prompting some discussions about our wishes for a time that we might not be capable of expressing them. I never have created a living will because I want to live! I figured that that is what doctors are supposed to do by default. But I didn’t think of more detailed aspects for a time when I could be bedridden and not able to either think clearly or communicate clearly. I decided that I am going to document how I want to be treated if I am ever bedridden. From getting fresh air, to music, nourishment, being at home, etc. I am going to write it down, tell my family, and show them where the file is kept.

We wrote wills almost 20 years ago. At that time we didn’t have much in the way of assets but we were concerned about our children (only two of them then) being cared for in the event that something happened to us. So we had relatively simple wills drawn up to name a guardian and to provide him with all assets and life insurance proceeds to use for providing for our children in the event that we both died. Otherwise we each left everything to the other.

Not only have we added children, but most of those children are 18+ so considered adults now, and we’ve moved to a different state. Watching both of our dads remarry after our moms died opened our eyes on how assets pass around. For example, if I died it would be fine with me for DH to remarry. But would I want my mom’s jewelry to go to his newer wife when he died later? No! I would not. So I’d like to have some possessions included in my will that would not go to DH in the event of my death if he outlives me. Also we’re seeing how very important it is that you appoint an executor that will carry out your wishes even if he doesn’t agree with them. I want to change mine now.

And on top of those things, we now live in one of the six states that has inheritance taxes for estates, even on assets (IRAs for example) that are not included in the will. The tax doesn’t apply to items inherited by spouses but it does apply to items inherited by children.

So actions for us now: (1) Rethink our second phase of retirement when we plan to downsize to a cottage. Let’s consider neighboring states that have similar climate and terrain but are more tax friendly for our family. And if one of us dies soon, God forbid, the surviving one should move. (2) Rewrite the wills this year. Plan to revisit them every 5 years – could be on all my milestone birthdays.

I’m curious to hear of your experiences with wills – creating your own or unintended consequences of others that you’ve witnessed. Anyone have a story to share?

Refund Approved

February 18th, 2020 at 10:18 pm

I can see that our federal tax refund is expected to be direct-deposited in two days. We’re getting $2606 back this year which means I had too much withheld, but next year we’ll lose $3500 in child/dependent tax credits so I’ll need to adjust withholding to prevent owing a thousand bucks, assuming all other things are equal this year. I’ll take a closer look at that during the summer after I know whether there is any increase in income and after I take some time to research any tax code changes that could impact us.

Of course the $2606 is allocated. I budgeted $900 for our annual CSA membership and the rest to the 0% CC. I over-budgeted slightly for the CSA and I also got a discount for paying it early and in full instead of using a payment plan. It was $815. That’s a ‘full share’ size box of organic veggies every week from April 22nd week to the week before Christmas.

The local delivery site is easily walkable from my house so on veggie day I block an hour in my work schedule to leave my desk and go pick them up. I like having the commitment because it insures that I get exercise and fresh air that day. I bought a used stroller at a garage sale last year just for this purpose because the bag of veggies gets heavy in the middle of the summer.

Now that I have the juicer, I may try juicing some things this year. And by the way, I’m loving the juicer! My favorite so far is carrot-apple with a little raw ginger.

Financial Progress on the College Front

February 15th, 2020 at 03:11 pm

This week included payment of my quarterly bonus from the company. I used it to pay the remainder of DS2’s apartment rent for the 1-year lease period. The only remaining college costs for him now are food and electricity – about a thousand total, and I have most of that set aside. So DS2’s college costs are essentially done.

His apartment lease is an odd one to me because it is one contract for all the boys and requires every parent to be a cosigner. Apparently housing is scarce enough around this major campus that the property management companies can make these unreasonable requirements. That was not the case at DS1’s college where each roommate had his own contract with the property management company. DS2’s roommates are good kids from our town that he had already befriended before college. It’s been an education for him though to see how differently they approach money. One waits until he sees the rent is past-due before paying it. The notice is his reminder. And there is a charge – something like $5/day for each day it’s late. Because we pay ahead that’s actually helped him avoid late payments but he has told DS2 that he wishes we wouldn’t do that because it messes him up not to get the late notice.

Also this week DS3 signed his NLI (National Letter of Intent) for his college that included some scholarship money. It feels so nice to have the college decision official and behind us.

Maybe the Lesson is Learned By Now

February 10th, 2020 at 12:59 pm

This week I purchased dog food and entered it as part of our grocery expenses. It was a first – up until this point I’ve transferred money from DS3’s account to mine to cover the cost any time I purchased dog food.

About a year and a half ago DS3 had a GF and the two decided to get a puppy together. Well, it was not vetted with us and I was more than a little annoyed when the dog arrived. I love dogs (but not as much as cats!). And DH really loves dogs. I think DS3 knew that once we saw the puppy that we wouldn’t have the heart to tell him to get rid of it. He was right.



As typical of kids, even older ones, after the first week or so, DS3 was not the one tending to the puppy. DH did and still does the brunt of the work to take care of her and she’s high maintenance. We don’t have a fenced yard so she has to be walked and it gets COLD here on winter mornings. I was determined though that DS3 would take on the entire cost for this unplanned pet and I stuck to that. He didn’t debate it at first. He paid hundreds of dollars (some with help from the GF) for vet visits and vaccinations and then either bought himself or refunded me for dog food. I insisted that she be spayed, and that cost him over $600. He told me I should have shopped around. I told him HE should have shopped around.

Unsurprisingly, the relationship with the dog outlived the relationship with the girl. There wasn’t a custody battle – the dog became ours and stayed here. And to be honest, there’s no way DH would allow that dog to live anywhere else. The two have bonded.

So now DS3 no longer receives an allowance and he’s preparing to leave for college. My original intent was to make him take financial responsibility of the dog forever – even expecting him to find a place to live that accepts dogs after he graduates. Now, I’m rethinking because for one thing – DH considers the dog his now, and for another - I don’t want DS3 to feel pressured to get a job while he’s in college to support the dog. So after I grabbed that big bag of food this week, I didn’t transfer any money. I also haven’t said anything yet so I could change my mind. But perhaps this is a point we can agree that the dog changed owners. Now that my anger has subsided and she’s become part of the family.

Our Real Tax Rate

February 8th, 2020 at 04:15 pm

I’ve just completed our 2019 taxes. I use an online service called TaxAct to create the returns and file them electronically. It cost $72 for the federal and state filings this year. Then I did the local taxes myself on their website. Those are easy because there are no credits or deductions. I used to do our taxes manually because I didn’t trust a forms-based wizard to care as much about my numbers as me, but after TaxAct found deductions/credits that I didn’t know about resulting in hundreds of dollars for us the first time I used it, I was hooked. It also stores all our data – personal and employment – so it’s defaulted for the next year’s tax form. That saves time and reduces the risk for inaccuracy for sure.

For several years now I’ve been running a couple of calculations after the income tax forms are submitted to see how much those taxes impact our finances. I calculate our real tax rate – the actual percentage of our gross income that went toward income taxes instead of the LB household. This year our total income tax burden – federal + state +local – was 10.9% of our gross income. Last year it was 11.2% so I did improve on reducing our tax liability because our income was slightly higher this year. The best we’ve ever done was in 2015 when it was only 8.1%, and it’s impressive because that was a time when our income was lower. But the boys were younger so we probably had more exemptions and credits. I may have been maxing the 401k then too. I couldn’t keep that up once I had to begin cash-flowing some college expenses.

Another way I look at it is to calculate the percentage based on net worth instead of gross income. My thinking is that if the annual income tax burden became a fraction of a percentage point of net worth, it would be insignificant. So in 2015 – our best year for reducing taxes – our total tax burden was 2.2% of our net worth at that time. In 2018, it was 2.1%. Now, for 2019, it’s 1.8%. That’s our best result yet for the ‘how much does it hurt us’ evaluation.

Next year may be a doozy for taxes as we’ll lose the child tax credit x2 since the twins turn 17 this year. And DS2 will no longer be a dependent. I’ll need to change withholding to prevent owing money but that will wait for another time, maybe in the summer.

Winter Utilities

January 22nd, 2020 at 01:49 am


We just received our gas bill and it’s $208.53 this month. Ouch!! I see from the usage chart that it’s about the same as last year so I really shouldn’t have been surprised. What’s more scary is looking at February and March – if this year is like last year, we’ll have another sharp increase next month.

In addition to the central air, we have a gas fireplace, which I love. It heats up the family room and makes it cozy and inviting. So I’m not willing to shut it off, but I’ll monitor the thermostat, open the curtains on south-facing windows, make sure the garage is closed, … what else?

The HSA Account

January 21st, 2020 at 03:12 am

Since I’ve gotten my first paycheck of the year, I’m checking the accuracy of my deductions. The company where I work had an enrollment period for our 2020 benefits during November. As typical, health insurance premiums increased some. Most other benefits remained the same. But there was one odd change – the company’s contribution to our HSA accounts DECREASED by 500 bucks. No explanation. That’s like a small pay cut. I don’t like when negative changes are implemented quietly – it seems sneaky. In fact, I wonder how many of my colleagues noticed. As an aside, this reminds me of my experience with banks. PNC and Ally both have fluctuating interest rates, but Ally sends a notification every time the rate changes, regardless of the direction. PNC never has sent a notification. Guess which bank I trust more?

Anyway, since the HSA maximum contribution increased by 100 bucks (to $7100) in 2020, my company’s contribution decreased by $500 in 2020 (to $1000), and I’m eligible to contribute an extra ‘catch-up’ $1000 because I turn 55 this year, that leaves me with an extra $1600 to fund or $133 more each month than last year. About $592 total each month.

When the company moved to a high deductible plan years ago, it was a scary change. But in hindsight, it was a good move for our family. We’re a healthy bunch overall. Last year was pricey with two using braces-alternatives and the DH getting an MRI for knee pain, as well as typical doctor visits for bumps & bruises. (Boys and sports…) But we still didn’t come close to using the year’s contributions. So the HSA account has been building up. I’d like for it to reach a ‘safety net threshold’ of being able to cover 18 months of COBRA premiums in the event that the company and I part ways. Based on the company’s year-end statement, the total monthly premium for our family coverage is just over 2 grand. [I pay about $450 of that currently which admittedly is a good deal for a family of 7.] So my safety-net value for the HSA would be $36k. I’m about $10k shy of that now. Maybe within the next two years though? It would just be for peace of mind – my planned exit is not that soon.

RIP Ally Cashback Credit Card

January 6th, 2020 at 09:57 pm

For a year or so I've carried an Ally cashback CC. It had a $100 bonus for spending $500 when I got it but best of all the cashback rewards could be deposited directly in my Ally online savings account (in amounts of $25 or more) with a 10% bonus on those rewards added. It was a good arrangement for me - the rewards were free, the bonus on the rewards was free, and then it earned interest once it hit my savings account. Win-win-win.

Well, nothing good last forever does it? Now TD Bank has informed me that the Ally cards will be discontinued and replaced with a card of their own with more standard rewards. The last day to redeem Ally rewards is February 13th.

Today I redeemed all but $25 of the rewards (since that's the minimum to redeem). I'll stop using the card at the end of the month and then redeem the rest. I don't know if I'll even take the new card - I have others with similar reward structures.

It was nice while it lasted.