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Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need...
by bungalow10
Mon Apr 14, 2014 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3426

Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need...
by bungalow10
Mon Apr 14, 2014 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3426

Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need ...
by bungalow10
Mon Apr 14, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3426

Re: Expensive med. test not covered by insurance

The OB/GYN process in general is insane. I switched to a midwife and had a home birth for my third baby. Much less money, much better experience. Pregnancy is not an illness. Neither is wanting to become pregnant. Next time ask yourself why you are being offered the test and what actionable informat...
by bungalow10
Fri Apr 11, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 71
Views: 3307

Re: Dave Ramsey's $15K financial literacy Challenge

Note - this contest is for high school students.
by bungalow10
Fri Apr 11, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's $15K financial literacy Challenge
Replies: 6
Views: 1495

Re: Day camps, summer camps, summer school

Our preschools close for the summer so we have done summer camps from when the kids were 3 years old (most camps are for potty trained kids, many even start from 4 years of age). We usually pick several weeks in a full day camp and sometimes add 1-2 weeks of another camp to try out a certain activi...
by bungalow10
Fri Apr 11, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Day camps, summer camps, summer school
Replies: 8
Views: 547

Re: Day camps, summer camps, summer school

Day camps are eligible for the child-care tax credit and dependent-care benefits if both parents work, but overnight camps are not. Since we both work, we would string together a bunch of day camps in the summers instead of day care. Add in some overnight / away camps and family vacations and the w...
by bungalow10
Fri Apr 11, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: Day camps, summer camps, summer school
Replies: 8
Views: 547

Day camps, summer camps, summer school

My oldest is six and in kindergarten and we are looking forward to summer! He will stay him with my DH and his four year old sister and one year old brother for the first time this year - NO DAYCARE!! When I was growing up, my parents sent me to day camps, scout camps (overnight), church camps (both...
by bungalow10
Thu Apr 10, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: Day camps, summer camps, summer school
Replies: 8
Views: 547

Re: Student Loans -- a surcharge on your job?

You may not think your student loan debts are consumer debts, but in letting them hang around this long (I think in a previous post you said you were 40?), I'm sure you have purchased consumer items when you could have instead used that money to pay off the student loans. Just curious, have you ever...
by bungalow10
Sun Apr 06, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans -- a surcharge on your job?
Replies: 26
Views: 1567

Re: Are we saving too much or too litte?

I am unsure of my Wisconsin tax rate. It is similar to the federal equivalent of the 28% bracket. It is also in flux due to filing differently for fed and state. I make around 90k. The wife makes around 60k. I assume we will need around 80% income replacement in retirement - noting that I will stil...
by bungalow10
Sat Apr 05, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2830

Re: Are we saving too much or too litte?

Wisconsin has an income tax rate of 6-7%, not 28%.

What are your incomes/expenses? It's hard to tell if you are saving enough without knowing what you make and spend. Same with the "can we retire" question.
by bungalow10
Sat Apr 05, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2830

Re: To MBA or not MBA?

Congratulations on your admission! To those that don't understand or appreciate online MBAs, they probably aren't familiar with the collaboration tools available online today, nor do they likely work for an MNC. It's amazing what gets accomplished in the business world these days by teams that work ...
by bungalow10
Fri Apr 04, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4478

Re: Prepay mortgage?

If you get a break on state taxes for contributing to a 529, why not max that out instead of just putting in $9k? e.g. Michigan has a cap of $10,000 / year for getting a break on state tax. Worth finding out for your state. Cap for the deduction in WI is $3k/year per kid. I have three kids, hence t...
by bungalow10
Mon Mar 24, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Prepay mortgage?

Everyone, thank you for your help and advice. After doing some research, my plan (which I come back here to vet out with you guys/gals), is to keep 3+ months of expenses liquid, put $9k in the 529s ($3k each kid) for this year, and take the remaining $50k or so and open a Vanguard account. The fund...
by bungalow10
Mon Mar 24, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Prepay mortgage?

In another post, someone was asking about buying a $35,000 Porsche. Do that. What could possibly go wrong? :D (only kidding, of course) Another option: Do you have a home equity line of credit? If you don't, open one. Then you can put the $35k towards the mortgage and still have that money availabl...
by bungalow10
Mon Mar 24, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Prepay mortgage?

Everyone, thank you for your help and advice. After doing some research, my plan (which I come back here to vet out with you guys/gals), is to keep 3+ months of expenses liquid, put $9k in the 529s ($3k each kid) for this year, and take the remaining $50k or so and open a Vanguard account. The fund ...
by bungalow10
Mon Mar 24, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Children: Are they worth every penny?

I think being 25-30, starting your career, and choosing between caring for a 80 year old dad or starting your own family is not something I would want to go through. That's quite the assumption - who says the child would actually want to care for their parents at any age? They may not want to, but ...
by bungalow10
Wed Mar 19, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4591

Re: Children: Are they worth every penny?

I think being 25-30, starting your career, and choosing between caring for a 80 year old dad or starting your own family is not something I would want to go through.
by bungalow10
Wed Mar 19, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4591

Re: Single Income Family with 4 Children (so far)

I'm in a very similiar situation. I'm 35, make about 125k gross and DH stays home with our three kids (6, 4, 1). I have a 1.5M policy on me, and 750k on DH. I'm probably over-insured on me, but the policy is in place and the price is low enough I'm not temped to go through the work to get a new one....
by bungalow10
Tue Mar 18, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single Income Family with 4 Children (so far)
Replies: 69
Views: 4674

Re: Do you have a favorite chocolate bar?

I have conducted comparative tasting of Pralus BIO Le 100% Chocolate Bar, 100g ($12.99 with free shipping from Amazon.com) and Baker's Unsweetened 100% Chocolate, 4 oz ($2.54 from Target). First, I tried a small piece of Baker's, then a small piece of Pralus; it was NOT blind tasting. Baker's is ha...
by bungalow10
Fri Mar 14, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4046

Re: Marvin vs. Andersen Windows: The Eternal Struggle

Sunrise Windows

I have RBA in two bedrooms and a bathroom (seven windows) and Sunrise in the most of the rest of the house (16 windows). I'd love to replace the RBA with Sunrise.
by bungalow10
Thu Mar 13, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 27
Views: 1784

Re: Cheap good kindle books?

Subscribe to the Kindle Daily Deal. Great books for $2-3, one-day specials. I buy a handful every month. I also check the monthly deals.
by bungalow10
Wed Mar 12, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Cheap good kindle books?
Replies: 10
Views: 872

Re: Buying a Car while in Debt

Should I (a) buy a new car for around 30-35k that will meet our needs as our family grows for the next 10 years, or (b) buy a cheaper (i.e. 10-20k) reliable used car that will meet our needs for the next 2-3 years while using the difference to pay down loans? Based on what you said, I'm assuming yo...
by bungalow10
Thu Mar 06, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Buying a Car while in Debt
Replies: 26
Views: 1788

Re: Alternatives to MINT.com

I use Yodlee for networth and YNAB for budgeting. I love YNAB, my only regret is that it took me two years to commit to buying/using it.
by bungalow10
Wed Mar 05, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 3130

Re: Do you have a favorite chocolate bar?

I love the Lindt Sea Salt and Dark Chocolate bars. I buy them on Amazon, usually for about $2.25/bar when I buy 12... you can also Subscribe and Save for another 5-15% off. Subscribe and save chocolate bars by the dozen! Now *this* is a man/woman who understands that life is short! Hey, I buy wine ...
by bungalow10
Wed Mar 05, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4046

Re: Do you have a favorite chocolate bar?

I love the Lindt Sea Salt and Dark Chocolate bars.I buy them on Amazon, usually for about $2.25/bar when I buy 12... you can also Subscribe and Save for another 5-15% off.
by bungalow10
Wed Mar 05, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4046

Re: Prepay mortgage?

I always look at it from a "Balance Sheet" perspective. Everyone has a "Balance Sheet" which is Assets = Liabilities + Net Worth. We all try to increase assets, decrease debt, and over time our net worth increases. Typically many questions are just like yours. I have $x amount o...
by bungalow10
Wed Mar 05, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Prepay mortgage?

I am all in favor of prepaying - I hate debt. The thing I think about most is the liquidity premium. It offers intangible benefits that just can't be calculated or seen on paper and each individual or couple collectively have different beliefs on it's true value. I like to sleep at night - if I had...
by bungalow10
Wed Mar 05, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Prepay mortgage?

I wouldn't either. I recall in a previous post you were considering having the hubby become a stay at home parent. If that remains the case, liquidity is golden, it gives you options and at the extremely low rate, no way would I be in an extreme hurry or even fast pace it to pay down. I wish I had ...
by bungalow10
Wed Mar 05, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Prepay mortgage?

I have a little extra money sitting around, on top of a six month emergency fund. We already max out our Roth IRAs and I max out my 401k (DH stays home with our three kiddos). DH and I are 35. We have about $450,000 saved for retirement, no debt other than our mortgage. We have a mortgage at 2.375% ...
by bungalow10
Wed Mar 05, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 1993

Re: Legos

So why is it Scenario 1 seems so dominant when Scenario 2 seems to be more fun and more creative? I don't get it. What makes you think scenario 1 is dominant? With the millions of pounds of Legos in circulation, you can't expect they are all stored in their separate boxes with the instructions stil...
by bungalow10
Sun Mar 02, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Legos
Replies: 52
Views: 4244

Re: Kid on the way... Can wife stay at home?

1. Breast feeding . Huge money saver. Better for baby. 2. Cloth diapering . I did the calculation before my daughter was born and found out that we broke even at the 1yr mark. She is now almost 2yrs old. 3. Homemade baby food or (my favorite) baby-led weaning +1!! We have three kids and the amount ...
by bungalow10
Mon Feb 24, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 2372

Re: Kid on the way... Can wife stay at home?

BILLS (Monthly) Mortgage (includes PMI, insurance and property taxes) - $2,845 My SL - $160 Wife SL - $170 Cell - $185 $140 Cable/internet - $200 $75 for high-speed + Hulu Plus + Netflix Car insurance - $50 Car property tax - $30 Car payment - $450 Gas - $200 Train - $500 $150 Food/Dining - $300 En...
by bungalow10
Mon Feb 24, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 2372

Re: Real estate rental w Magi >150k

OP - without expenses, maintenance, or costs related to finding renters, it sounds like you will already be losing a couple grand a year. Plus you will miss out on deducting the depreciation (probably about 8-12k/year).

Why do you want to rent this property out rather than sell?
by bungalow10
Mon Feb 24, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate rental w Magi >150k
Replies: 20
Views: 1841

Re: Selling propery - title insurance?

So all the research I've done, both online, calling local total companies, and asking friends, indicates that around here (Wisconsin) the SELLER provides Owners Title Insurance. On this property it is $800. The buyer (in this case) does not have a lender, so he is off the hook for title insurance. W...
by bungalow10
Fri Feb 21, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling propery - title insurance?
Replies: 7
Views: 372

Re: Selling propery - title insurance?

I see buyer title insurance as no different from the buyer's Homeowner insurance that they'll pay going forward. It isn't a requirement in order to close, is it? Title insurance and homeowners insurance are very different. Homeowners insurance is not a requirement for closing unless you are taking ...
by bungalow10
Fri Feb 21, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling propery - title insurance?
Replies: 7
Views: 372

Re: Selling propery - title insurance?

Title insurance is traditionally purchased by the buyer. The buyer is the beneficiary. The seller does not need to purchase a policy. Buyers and sellers are free to negotiate how closing costs are allocated between them. In this case, there is no special agreement that would shift the cost to the s...
by bungalow10
Fri Feb 21, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling propery - title insurance?
Replies: 7
Views: 372

Selling propery - title insurance?

I'm selling a property. Do I need to purchase Owner's Title Insurance? Our agreement is that Seller pays no closing costs.
by bungalow10
Fri Feb 21, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling propery - title insurance?
Replies: 7
Views: 372

Re: College Town Multifamily Unit

Another thing about the mortgage - not only will you likely not be able to get a mortgage with 10% down - but you can typically only use 75% of the rental income to qualify for the mortgage. Some mortgage companies look at rental income over a period of time, some look at what the current rent incom...
by bungalow10
Thu Feb 20, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: College Town Multifamily Unit
Replies: 15
Views: 1094

Re: Can wheatberries be cooked in the microwave?

frugaltype wrote:That soap use sounds very appealing. I've always wanted to experiment with making soap, but I've had Fear of Lye.


Do not fear lye. The soap is easy to make, and lye is easy to handle safely once you understand the rules.
by bungalow10
Thu Feb 20, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Can wheatberries be cooked in the microwave?
Replies: 9
Views: 459

Re: College Town Multifamily Unit

If you are renting to college students, expect managing a rental that at peak capacity would have 31 people in it to be a near full-time job... and not one that can wait until morning. With one bathroom for four bedrooms, a clogged toilet is a get-out-of-bed-at-2-am kind of deal. I was both an RA i...
by bungalow10
Thu Feb 20, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: College Town Multifamily Unit
Replies: 15
Views: 1094

Re: College Town Multifamily Unit

If you are renting to college students, expect managing a rental that at peak capacity would have 31 people in it to be a near full-time job... and not one that can wait until morning. With one bathroom for four bedrooms, a clogged toilet is a get-out-of-bed-at-2-am kind of deal. I was both an RA in...
by bungalow10
Thu Feb 20, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: College Town Multifamily Unit
Replies: 15
Views: 1094

Re: Can wheatberries be cooked in the microwave?

What about a rice cooker? I had thought about a crock pot. I'm not familiar with either of these, and am somewhat reluctant to fork out for a space-consuming one type of use appliance, so I thought I'd ask about the microwave first. Thanks. Either one would likely work. A rice cooker would do it in...
by bungalow10
Thu Feb 20, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Can wheatberries be cooked in the microwave?
Replies: 9
Views: 459

Re: Can wheatberries be cooked in the microwave?

What about a rice cooker?
by bungalow10
Thu Feb 20, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Can wheatberries be cooked in the microwave?
Replies: 9
Views: 459

Re: To whom does the advice "max out your 401k" not apply?

I've always done the max - but my employer has the max set at 15%, so when I was right out of college, there were years when my max was $8,750, $10,000, $12,000. I did a Roth to make up the rest.
by bungalow10
Mon Feb 17, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: To whom does the advice "max out your 401k" not apply?
Replies: 45
Views: 4708

Re: What are reliable refrigerator brands these days?

LG french door with bottom freezer. No ice maker in the door, but one in the bottom interior. Very nice looking, very reliable. I have had Kenmore in the past and would not purchase them in the future. I have had KitchenAid in the past and would not purchase them in the future. I would purchase LG ...
by bungalow10
Mon Feb 17, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 3637

Re: People Search - paying for data?

KyleAAA wrote:Usually just typing names into Google will lead to a way to contact somebody (either via Facebook, Linkedin, etc).


If that worked I wouldn't be here asking the question.
by bungalow10
Sat Feb 15, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1615

Re: People Search - paying for data?

Based on the responses you've received, I suggest a small change to your signature. Current version: An elephant for a dime is only a good deal if you need an elephant and have a dime. Revised version: An elephant for a dime is only a good deal if you need an elephant and have a dime, and no one el...
by bungalow10
Sat Feb 15, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1615

People Search - paying for data?

My father in law is a veteran and wants to get in contact with two people he served with years ago. They kept in touch for a long time, but then lost contact as their kids got older and lives more busy. He has their last mailing addresses. One of them I have found records for online from some of tho...
by bungalow10
Fri Feb 14, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1615

Re: Need a new all in one printer

I ordered an HP OfficeJet Pro 8600 Plus online from Costco and have been very pleased with the purchase. I've owned it around 8 months or so and use it daily. Costco delivered it to my door (no store pick-up required). It's been very reliable, and, even better, seems to be somewhat stingy with ink ...
by bungalow10
Wed Feb 12, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2264
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