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Re: Buying land and building house

At less than 500 square feet on that kind of acreage I would place the house in such a way that it could function as guest quarters for a larger house to be built by future owners.
by HelenaJustina
Thu Aug 07, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying land and building house
Replies: 22
Views: 2557

Re: Best app to track stocks?

I've been very happy with Ministocks. It's free, easy to set up, and has a nicely unobtrusive widget Just because you're going to own a see-saw forever, it doesn't mean you can't enjoy watching it go up and down. 8-) >edit< If you're a power user, I highly recommend buying an extended battery before...
by HelenaJustina
Tue Mar 25, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Best app to track stocks?
Replies: 5
Views: 644

Re: Sci-Fi Short Story Recs

Stonebr wrote:Anything by Cordwainer Smith.


:sharebeer
by HelenaJustina
Thu Oct 31, 2013 8:26 am
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3539

Re: Sci-Fi Short Story Recs

Anything by Cordwainer Smith, a sadly neglected SF master with a truly unique voice and style. Here are two stories you can read online: Scanners Live in Vain The Game of Rat and Dragon If you enjoy them, then the collection The Rediscovery of Man would certainly be a worthwhile investment of your r...
by HelenaJustina
Tue Oct 29, 2013 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3539

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

I wish I'd caught this thread earlier. I've been buying my husband Stafford Performance shirts for the last ten years in the same size. I replenished his supply this past Columbus Day only to find the sleeves were more than an inch shorter, the armholes reduced to the point of immobility, and no ext...
by HelenaJustina
Sat Oct 26, 2013 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 40
Views: 10050

Re: Used car dealers don't really negotiate any more.. true?

hq38sq43 wrote:According to "World's Best Negotiator Herb Cohen," You Can Negotiate Anything. Available from Amazon for $6.78.

Best regards,


$3.97 if you buy it used!
by HelenaJustina
Wed Oct 09, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Used car dealers don't really negotiate any more.. true?
Replies: 34
Views: 5162

Re: Pay off student loans in our situation?

If you guys are set on buying a house, a good compromise point might be to pay off any debt currently charging a higher interest rate than that of the mortgage you foresee obtaining. This should make sense to party B as, in order to do both, any money you use to pay off debt will effectively be adde...
by HelenaJustina
Wed Aug 14, 2013 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans in our situation?
Replies: 26
Views: 1414

Re: POLL: Why do you slice and dice your portfolio?

I picked other. I hate to admit it, but I am one of nature's born pickers, if you know what I mean. I can't have a thing and not fiddle with it. So I've got my portfolio nice and diced up (amongst low fee index funds, natch) so whenever I get the urge :shock: I always have something that can do with...
by HelenaJustina
Tue Aug 06, 2013 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Why do you slice and dice your portfolio?
Replies: 30
Views: 2641

Re: Your take on layaway

I'm a heavy thrifter, going a couple times a month. Beyond the odd business shirt or suit, I haven't bought my family new clothes in years. It requires a lot of thinking ahead to manage successfully. For example: school clothes and uniforms. Go to your local Goodwill now and it will be like looking ...
by HelenaJustina
Sat Jul 27, 2013 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Your take on layaway
Replies: 40
Views: 2324

Re: Selling home, can I postpone a mortgage payment?

My mortgage is due on the first, but there is a two week grace period before penalties start accruing. I'd check your loan documents and see if you have a similiar grace period.
by HelenaJustina
Thu Jul 25, 2013 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling home, can I postpone a mortgage payment?
Replies: 6
Views: 582

Re: Wage/Salary Inflation Since 1940

As far as real estate goes, in 1940 transportation was not as fast or inexpensive as it is now. You pretty much had to live near where you worked. Nowadays, that quaint little lakeside village that was a two hour bus trip from downtown in 1940 is only a half hour commute, and prices have jumped acco...
by HelenaJustina
Thu Jul 26, 2012 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wage/Salary Inflation Since 1940
Replies: 15
Views: 2309

Re: TV music theme recommendations?

Other great British theme tunes:

All Creatures Great and Small

The Sweeney

Hitchhiker's Guide to the Galaxy

Red Dwarf

Van Der Valk (this is my ringtone!)

The Protectors

Danger Man
by HelenaJustina
Tue Jul 17, 2012 8:54 am
 
Forum: Personal Consumer Issues
Topic: TV music theme recommendations?
Replies: 59
Views: 2645

Re: TV music theme recommendations?

Barry Gray, who composed for all those marionette shows from the sixties- Thunderbird and Stingrays and all that. He's the John Philip Sousa of tv themes. The theme from The Prisoner was pretty dang awesome too. Ron Grainer, I think. The original french Inspector Gadget soundtrack is a little slice ...
by HelenaJustina
Tue Jul 17, 2012 8:47 am
 
Forum: Personal Consumer Issues
Topic: TV music theme recommendations?
Replies: 59
Views: 2645

Re: Elementary private school education a scam??

We send our three children to a private elementary for several concrete reasons, not just a nebulous belief that expense equals quality. 1) We wanted our children taught the traditional math algorithms to mastery, and not some variation on "If '5*3' was a colour, what colour would it be?"....
by HelenaJustina
Thu Jul 12, 2012 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Is elementary private school education worth the price?
Replies: 104
Views: 7506

Re: How to efficiently stock a home bar?

Chowhound is the place to go for that question. Some threads to get you started: http://chowhound.chow.com/topics/362487 http://chowhound.chow.com/topics/511080 Personally, my bar is very efficient, consisting of equal parts Bombay Sapphire and Schweppe's Diet Tonic :beer
by HelenaJustina
Fri Jun 29, 2012 10:16 am
 
Forum: Personal Consumer Issues
Topic: How to efficiently stock a home bar?
Replies: 7
Views: 1031

Re: Age 29: General Budget and Finance Questions

Almost 2 years, I did get a w-2 last year and NYS state taxes are much higher and more complicated than GA. Although again using the traditional 401 (k) that should help some with the tax liability there. My husband did this for a long time too, and our one regret was not going to the company and r...
by HelenaJustina
Tue Jun 26, 2012 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age 29: General Budget and Finance Questions
Replies: 38
Views: 3666

Re: Age 29: General Budget and Finance Questions

Have you been working out of New York for long? Even if you're just commuting in for client work, you will still receive a NYS w2, and at a pretty high whack, too. Keep that in mind when tax planning.
by HelenaJustina
Tue Jun 26, 2012 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age 29: General Budget and Finance Questions
Replies: 38
Views: 3666

Re: Thoughts On Wine

Boglehead bonus- This store gives an 11% discount for 12 bottles or more, and their state sales tax is half of what ours is. IBTOUTP!* Unfortunately, my husband is a supertaster, and has just enough sommelier training to be dangerous, so I can never sneak cheaper bottles past him. I never tell him ...
by HelenaJustina
Thu May 31, 2012 10:48 am
 
Forum: Personal Consumer Issues
Topic: Thoughts On Wine
Replies: 52
Views: 2639

Re: Putting a mattress directly on the floor

I considered getting a shikifuton and rolling it up during the day, but couldn't find a reliable source where I could get an authentic one from Japan. Plus, the girlfriend wasn't terribly crazy about the idea :) Well, if that's what floats your boat, try one of these: http://www.jlifeinternational....
by HelenaJustina
Tue May 29, 2012 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Putting a mattress directly on the floor
Replies: 22
Views: 42048

Re: Putting a mattress directly on the floor

Throw something like this under it so air can circulate:

http://www.ikea.com/us/en/catalog/products/25844409/#/25844409
by HelenaJustina
Tue May 29, 2012 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Putting a mattress directly on the floor
Replies: 22
Views: 42048

Re: How much do you spend on groceries?

Family of 6 in the midwest

$500/month at Costco (including vitamins, paper goods and diapers)
$300/month at Aldi (mainly bread, produce, dairy and snacks)
$200/month on fill-in items from local grocer down the street
$100/month family takeaway/breakfast out
$100/month on work lunches
by HelenaJustina
Tue Apr 24, 2012 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 124
Views: 9013

Re: How should one deal with adult children's finances?

One of my kids has recently been threatening to devote his life to helping the homeless - that's unlikely to be highly profitable. And he has asked what he would study in college for this future career. Should warn him now that I'm not going to support that kind of shenanigans, or wait until he's i...
by HelenaJustina
Tue Apr 03, 2012 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 7693

Re: Moving overseas, should I keep my 401k? Also UK Pension?

federini wrote:
Can US nationals (like me) also make voluntary NICs to top up a UK basic state pension? I worked in the UK for a UK employer for a while some years ago, and I will qualify for eight-thirtieths of a basic pension in 2017. More would be better.



http://www.hmrc.gov.uk/ni/volcontr/abroad.htm
by HelenaJustina
Tue Mar 27, 2012 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving overseas, should I keep my 401k? Also UK Pension?
Replies: 36
Views: 7972

Re: pay mortgage to avoid judgement

Check out http://www.loansafe.org/forum/loan-modification/ for people in similar situations.
by HelenaJustina
Sun Mar 25, 2012 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay mortgage to avoid judgement
Replies: 21
Views: 1742

Re: Would you pay off your mortgage in our situation?

You could just retain three months worth of emergency funds, dump the rest into the mortgage, and continue monthly payments til it's all gone.
by HelenaJustina
Wed Mar 21, 2012 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you pay off your mortgage in our situation?
Replies: 23
Views: 2089

Re: Moving OLD 401K to new? Why?

What if your new 401k is really great, but lacking some options available in your nearly as good old 401k- is it possible to do a partial rollover? Right now we have all our tips and reits in our old 401k, no equivalent in the new 401k, and not enough room in the IRA to switch them over. Can't reall...
by HelenaJustina
Wed Mar 21, 2012 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving OLD 401K to new? Why?
Replies: 10
Views: 709

Re: Just got Costco membership

I love to shop at ALDI Aldi's FTW! Nothing like a cheap Aldi maple sausage sandwiched between two cheap Aldi waffles with a cheap Aldi egg and a slice of cheap Aldi muenster to brighten your morning. Aldi's is single-handedly subsidizing my secret desire to emulate "Anne of Ingleside"....
by HelenaJustina
Sat Mar 17, 2012 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Just got Costco membership
Replies: 43
Views: 5010

Re: What to do w/ my kid's money...

Open up a savings account for situations like this, or purchase Ibonds in your own name, or yes, chuck it in your own retirement accounts because money is fungible. When the kid is old enough to have a job use the money to fund a roth IRA for him every year until you run out of birthday money.
by HelenaJustina
Mon Feb 13, 2012 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do w/ my kid's money...
Replies: 46
Views: 2887

Re: How much does a house cost in your area?

Clevelanders unite. For the rest of the Bogleheads here's a 3/2 with hardwoods, treed lot, in quaint Bay Village, about 20 minutes from downtown. http://www.zillow.com/homedetails/26914-Midland-Rd-Bay-Village-OH-44140/33450506_zpid/ Yeah, but that house has a defect: it's a ten minute walk to Heine...
by HelenaJustina
Sun Jan 29, 2012 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does a house cost in your area?
Replies: 56
Views: 3490

Re: How much does a house cost in your area?

Live in Cleveland metro. A detached 1500sqft 3/2 in a desirable area (Westlake, Rocky River, Bay Village, Shaker Heights) will be around ~$150K. McMansions in the ex-suburbs will be around $300K. Lake-front property will be >$500K (up to the millions). I live in this area, too. The problem is that ...
by HelenaJustina
Sat Jan 28, 2012 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much does a house cost in your area?
Replies: 56
Views: 3490

Re: how much house will you buy

Smaller nice house for 2k a month, 1k a month goes to private school. --or-- Larger nicer house for 3k a month in a good public school district... (1) You get to enjoy a nicer house (2) You get some of that 12k a year back when you sell the house, instead of it just being "gone" in privat...
by HelenaJustina
Thu Jan 26, 2012 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: how much house will you buy
Replies: 12
Views: 914

Re: PenFed Platinum Rewards card switch

I switched because I garner more points from groceries than gas, and I'm not keen on picking up another rewards card. My plan is to redeem points for a visa gift card right before Christmas, then immediately use it to purchase a Costco gift card. What chafes me is that previously awards were applied...
by HelenaJustina
Tue Jan 24, 2012 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards card switch
Replies: 34
Views: 3877

Re: Boglehead food cost Poll

I would kill for a list of 14 to 28 dishes that the whole family likes, even before crossing off the difficult ones. One heart patient, one dairy allergy, one aversion to the smell of potatoes. The dairy allergy is a carnivore but the anti potato kid would prefer to be a vegetarian; the heart patie...
by HelenaJustina
Fri Jan 20, 2012 9:29 am
 
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 4227

Re: Boglehead food cost Poll

The best tip I ever got was to write out a list of everything you can cook that your family likes. Next cross out anything difficult or time consuming (yes, lasagna, I'm looking at you). Hopefully you'll be left with a list of 14 to 28 dishes- if not, have a nose around the internet and see what you...
by HelenaJustina
Thu Jan 19, 2012 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 4227

Re: Boglehead food cost Poll

We fall into the thrifty category, including the 10% reduction for a family of six. We do 90% of our shopping at Aldi's and Costco. All meals are categorized as Bread, Potatoes, Pasta, or Rice, which get put into rotation on a fairly even basis. I then add whatever meats are on sale. So, say I get a...
by HelenaJustina
Thu Jan 19, 2012 11:37 am
 
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 4227

Re: Williams Sonoma - what is worth buying there?

If I had a $100 to spend at w&s I'd put it toward upgrading my toaster. The Breville countertop convection oven is awesome for baking when you don't want to heat up the big oven, and their stainless steel 4 slot model is one of the best reviewed out there. If you don't want to be out of pocket, ...
by HelenaJustina
Fri Jan 13, 2012 3:53 am
 
Forum: Personal Consumer Issues
Topic: Williams Sonoma - what is worth buying there?
Replies: 20
Views: 1610

Re: Which to buy? Costco wild blueberries OR rasberry/bluebe

I found the three berry mix unpleasantly seedy. I was using them from frozen for smoothies, so maybe it was just my sub-par blender, but we did not finish the bag. Costco did take them back 8-)

I can recommend the frozen strawberries....

-HJ
by HelenaJustina
Wed Jan 11, 2012 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Which to buy? Costco wild blueberries OR rasberry/blueberry/
Replies: 10
Views: 1762

Re: Opportunity to teach Internationally

First off- go for it! This is the perfect time, when your child is old enough to have fun but too young to be disrupted. Second, here's a good UK tax calculator to give you an idea of salary: http://listentotaxman.com/ Here's a website to give you an idea of food costs: http://www.ocado.com/webshop/...
by HelenaJustina
Fri Jan 06, 2012 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Opportunity to teach Internationally
Replies: 11
Views: 789

Re: IBond as part of Bond Asset Allocation?

I view ibonds as a flexible hedge against not having enough tax sheltered room for bonds as my husband approaches retirement in the next 15-20 years.
by HelenaJustina
Thu Jan 05, 2012 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: IBond as part of Bond Asset Allocation?
Replies: 12
Views: 1307

Re: Question for Smoothie Drinkers

If you sign up for vitamix e-mails they send you a nifty mix and match ingredient chart.
by HelenaJustina
Wed Jan 04, 2012 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Question for Smoothie Drinkers
Replies: 20
Views: 1523

Re: I-bonds for long term savings

What about all that interest that gets deferred though? What if you're in a low bracket now but reasonably expect to be in a higher bracket later in your career due to either increased earnings, tax law changes, or both? IIRC, you don't have to defer interest on I-bonds if you don't want to, you ca...
by HelenaJustina
Wed Jan 04, 2012 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-bonds for long term savings
Replies: 22
Views: 4172

Re: Gnod/Gnooks- find a new author you might like

Put in a favourite author from different genres- Reginald Hill, Terry Pratchett, Marion Chesney. Gnod came up with Rhys Bowen, which was prescient because she is the next author in my "Mysteries to Read" queue. Then tried authors from the same genre- Isaac Asimov, Adam-Troy Castro and John...
by HelenaJustina
Tue Jan 03, 2012 11:46 am
 
Forum: Personal Consumer Issues
Topic: Gnod/Gnooks- find a new author you might like
Replies: 4
Views: 354

Re: Fat, Sick, and Nearly Dead

Before this takes a wrong turn,.....I'm looking for thoughts on juicing your fruits and veggies. If you're seriously considering trying it, I'd get a week or two worth of smoothies from a warehouse store before investing in any special equipment. Liquid replacement diets can get difficult to stick ...
by HelenaJustina
Tue Jan 03, 2012 8:16 am
 
Forum: Personal Consumer Issues
Topic: Fat, Sick, and Nearly Dead
Replies: 68
Views: 6685

Re: Saver vs Spender marriage, single income, budget, goals-

SAHM here, I'm the saver, husband's the spender. It looks like you have about $6k a month in excess of necessary tax sheltered savings. You have to understand that your wife is not looking at $80 as your fun money, but $6080- she knows you get your kicks through saving. Things to consider- Does she ...
by HelenaJustina
Tue Jan 03, 2012 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Saver-Spender marriage, single-income, budget -- SHORTENED!
Replies: 97
Views: 8550

Re: "Investment" Minimum Doubling: Powerball Tix $2

Risk v. reward. I successfully used the lottery to break myself of the habit of buying a magazine or candy bar at the checkout each time I went grocery shopping. Got a dollar or two cash back and bought a ticket instead. Now I get a $5 bill each time I grocery shop and stick it in a nifty tin bank....
by HelenaJustina
Mon Jan 02, 2012 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: "Investment" Minimum Doubling: Powerball Tix $2
Replies: 13
Views: 1115

Re: Advice for Late June Honeymoon on Student Budget

Are you a former boy scout? Like outdoor cooking, hiking and hammocks but don't want to do sleeping bags? There's a yurt in the Hocking Hills I can highly recommend and at $40 a night you'll have a nice down payment on a trip to Paris left for when you graduate. Shoot me a pm if interested....

-HJ
by HelenaJustina
Mon Jan 02, 2012 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Advice for Late June Honeymoon on Student Budget
Replies: 10
Views: 547

Re: Should I sell my truck or keep it?

I think the essential question is: if you had only the two cars and a spare $3k in the bank, would you go out and spend it all on a ten year old Chevy with 130,000 miles on it....
by HelenaJustina
Mon Jan 02, 2012 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Should I sell my truck or keep it?
Replies: 25
Views: 1462

Re: On Budgets

We like budgeting right down to the wire, too- hate having excess in checking. What makes this stress free is that our first tier emergency fund (for all our 24-hour plumbing needs) is in a savings account at the same bank as our checking account. In exchange for a dismal interest rate, they have ag...
by HelenaJustina
Mon Jan 02, 2012 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: On Budgets
Replies: 19
Views: 1181
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