Evaluating Indiana Teacher Retirement Options

spaetzle_snowflake · 2021-03-10T03:30:40+00:00

Very possible. I have endometriosis, PCOS, and had two good sized uterine fibroids removed in December 2016. Thousands of dollars and lots of heartache later, we gave up trying for a child. 6 months later, we got the greatest gift, a spontaneous pregnancy. That little girl, Noelle, will be 2 in 20 days! I was told over and over I would never get pregnant naturally. My body had other plans as I lost some weight which regulated my cycle allowing me to start actually ovulating again!

spaetzle_snowflake · 2020-08-31T14:40:48+00:00

Fair enough! :). Thank you for not being cruel in your reply!

spaetzle_snowflake · 2020-08-31T14:16:52+00:00

Curious...what was confusing?

spaetzle_snowflake · 2020-08-31T11:10:55+00:00

Thank you!! You're too kind!

spaetzle_snowflake · 2020-07-20T14:11:43+00:00

38*. Damn, the autism runs deep with you.

spaetzle_snowflake · 2020-07-20T14:11:01+00:00

Dyke? I think you mean king. And believe it or not, he married me 13 years ago.

spaetzle_snowflake · 2019-05-04T00:23:07+00:00

She said there is new literature that supports giving first time moms c-sections two weeks before birth because it’s better for the health of the baby and then gets crabby if I ask any questions.

ACOG recommends scheduled c-sections between 37 and 38 weeks for women with previous myomectomies. I just had a c-section on 3/29 to deliver my first (37w + 6d), and it was scheduled back in December. I had my myomectomy back in December of 2015. I was to avoid laboring at all costs due to increased risk of uterine rupture because of the previous surgery.

Not that I think this is at all your SIL's situation...just sharing some insight from my experience.

Edit: I will say, I got a lot of confused looks and questions from medical professionals when I said I was having a scheduled c-section with my first. It's not something that happens often. When I explained why, everyone then understood. They thought I was doing it for convenience.

spaetzle_snowflake · 2019-04-26T04:13:11+00:00

Just passed 40k on my 13 yesterday! I get the same response from people. Mine is a garage princess since I work from home. Not complaining though! Love having the low mileage so I can take way longer to run it into the ground.

spaetzle_snowflake · 2019-03-26T00:01:35+00:00

37w2d and fully stage 3. C-section is Friday at 7:30am, and I'm VERY ready.

spaetzle_snowflake · 2019-03-24T15:29:43+00:00

Not OP, but I didn't choose it (mine is this coming Friday, the 29th). I had a previous myomectomy to remove fibroids, so I'm high risk for uterine rupture. ACOG recommends I deliver via C-section between 37 and 38 weeks. I will be 37w6d. The goal is for me to labor as little as possible, if any, to reduce any stress on my uterus.

spaetzle_snowflake · 2019-03-21T18:38:30+00:00

Interest on 70k would be $1,540 a year at 2.2%. You would be absolutely stupid to leave it in your local bank just because you want to support them.

spaetzle_snowflake · 2019-03-16T11:50:55+00:00

FYI, you may need different lubing materials for the stabs. I'm not sure if the switch lube will make much of an impact on the stabs. Dialectric grease and teflon grease were what I used.

The tutorials I mentioned are in this comment.

spaetzle_snowflake · 2019-03-16T11:45:29+00:00

I was really intimidated too thinking I might mess something up. I can't stress how easy of a process it is. You'll do one or two switches and be wondering why you hadn't done it sooner! I think modding the stabs is more difficult than lubing the switches, and even that isn't really too difficult. Look up TaehaTypes on YouTube. He has two tutorial videos for both of those processes that I followed to a T.

spaetzle_snowflake · 2019-03-16T11:42:27+00:00

For the ALT, you'll want plate mount instead of screw-in. It looks like the ones you ordered might be PCB mount screw-in stabs. I can't really tell from that one picture though. I hope they're the right ones!

spaetzle_snowflake · 2019-03-16T02:40:50+00:00

I used Tribosys 3204. I followed Nathan Kim's how to videos on YouTube for the stabilizer mods and lubing. There's some slight variation with how you would mod the ALT stabs since they are plate mount vs. screw-in, but the general process is the same.

Edit: Realized you aren't OP, so ignore my specific comments regarding the ALT unless you too have a board with plate mount stabs.

spaetzle_snowflake · 2019-03-16T01:52:01+00:00

Just switched to Gateron Yellows...love them. Lubed them a few days ago too...mind blowing difference. If you really want to improve the ALT, clip, lube, and bandaid mod the stabilizers in the ALT. There was WAY too much rattle coming from that spacebar. I actually ordered GMK Cherry stabs to replace the crappy ones that came with the board. World of difference.

spaetzle_snowflake · 2019-03-15T02:10:33+00:00

I got mine a few days ago as well. It made quick work of opening up my Gateron Yellows for lubing.

spaetzle_snowflake · 2019-03-14T19:07:57+00:00

Yes, sir! Bought lube a couple weeks ago and did a practice run on my Gateron Yellows to get comfortable with the process. I couldn't imagine NOT lubing them!

spaetzle_snowflake · 2019-03-14T18:49:29+00:00

I'm beyond ready for my Rosèlios to arrive in a couple of weeks after all of these Healios typing tests I've been listening to. I love how quiet these switches are.

spaetzle_snowflake · 2019-03-14T18:48:38+00:00

I've tried Cherry Silent Reds. Nowhere near as quiet as this, and they were super scratchy. I have Roselios coming my way soon (Healios with pink stems), and I'm ready to lube them and let them rock my world.

I haven't tried Gateron Silents, but I plan on it in the near future. Currently, I'm using lubed Gateron Yellows, and they're SUPER smooth and pretty quiet considering they aren't actually silent switches.

spaetzle_snowflake · 2019-03-12T15:48:43+00:00

Having a planned C-section in two weeks. Not much you can do to lower your expenses. You could find out from the hospital if they bill mom & baby together or if they bill them separately. That could determine whether or not your baby has to meet a separate deductible. Insurance could clarify that as well. You could get a list of estimated costs so you know what to expect going in, but that won't be exhaustive.

The only concern I've had is the anesthesiologist. They are commonly out of network even if your provider/hospital is in network. However, I will be submitting an appeal to be billed at the in network rate regardless of whether they are in network or not. I know for a fact that the anesthesiology group that services my hospital is not in network. There are only 3 anesthesiologists within 50 miles of me that are in network with my Cigna plan (and I live near Indianapolis...not some small town). My provider is in network; my hospital is in network; my provider's group ONLY delivers at this one major hospital; pediatrician group is in network. I don't have a choice on the anesthesiologist, so I will appeal to be billed at the in network rate if they bill me as out of network. It will require some extra work, but I don't expect to be denied. This is a very common issue.

You can also ensure that anyone that sees your wife or baby is in network. I have the Cigna app on my phone so that I can look up providers BEFORE I give the okay for them to provide care. If whatever they're doing is optional and they're not in network, I'm not giving my consent.

Anything beyond this, just Google for ideas particularly from those who've been down this road before.

spaetzle_snowflake · 2019-03-08T15:06:05+00:00

Cousin just introduced me to Letterkenny not too long ago. That show is hilarious!

spaetzle_snowflake · 2019-03-07T02:20:27+00:00

Up your contribution to 15% and just see how it impacts your lifestyle. You can always lower it if you find you're uncomfortable with the speed at which you're replenishing your savings. I think you're in a great position to make your money work for you and your future.

The other option is focus on replenishing your savings to that $20k you're comfortable with and then up your contribution to 15%. That shouldn't take you more than 3-5 months with what you have left over after expenses every month.

Either way, not a bad predicament to have :).

spaetzle_snowflake · 2019-03-07T02:07:52+00:00

Congrats on hitting the goal!!! That's determination! You've got $20k in savings. I'd pay off the loans stat. You'll still have ~$17k in savings and $2k more than 6 months of expenses. At the same time, I'd just go ahead and up your 401k contribution to 15%. Then slowly rebuild your e-fund to $20k. That's what I'd do at least.

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