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Re: How do you contribute to your IRA?

sls239 wrote:Crazy hybrid method.

$550 / month, 10 months of the year.


I used to do that, I'm thinking about going back. It worked well... I had extra money in November and December (after Roth was maxed) to pay for the holidays and any extra property tax money that was needed.
by bungalow10
Mon Dec 15, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1637

Re: Your Favorite Cookbook?

I probably have over a hundred cookbooks as I love to cook. Although what I enjoy most is having an idea of what I want to eat and share with friends and then I search for a youtube video demonstration and watch a few videos of different chefs making the same type of meal such as pan seared tuna, a...
by bungalow10
Sun Dec 14, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 56
Views: 3191

Re: Your Favorite Cookbook?

Our church cook book from 1973. Used many of those recipes when we owned a catering firm. I use the Templeton, IA 1982 Centennial Cookbook. Some of my best and most often cooked recipes come from that book. I grew up eating those recipes. I also like Rick Bayless, I get one of his books from our li...
by bungalow10
Sun Dec 14, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 56
Views: 3191

Re: Your Favorite Cookbook?

I have Mastering the Art of French Cooking, but I have no idea where to start. Any suggestions to get me going? It depends on what you like. Probably the easiest, and, to my palate, one of the tastiest, is her Onion Soup recipe. But I'm wondering if your kids would go for it? If you are a beef eate...
by bungalow10
Sun Dec 14, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 56
Views: 3191

Re: Your Favorite Cookbook?

My most used cookbook is Artisan Bread in Five Minutes a Day . It lives on my counter and I plan to use it today to make pans of caramel pecan rolls for holiday gifts. I also love Dinner: A Love Story . Great recipes for families that like good food, but don't always have a lot of time. My kids love...
by bungalow10
Sun Dec 14, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 56
Views: 3191

Re: How to teach young kids to be frugal?

I grew up fairly poor. Not in poverty, but not well off either. Bad neighborhood, thrift store clothes, but always food on the table and bills were always paid. My parents ALWAYS had money for Catholic school and we always got to buy a book from the Scholastic book flyer. Rarely was there money for ...
by bungalow10
Fri Dec 12, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 62
Views: 3729

Re: Why So Many Used Prius for Sale?

Anyone here with a Prius have kids? I'm thinking of buying one for me as my commuter. It wouldn't be the primary kid hauler, but needs to handle two adults and three kids in a pinch. Also, how are they on comfort? My job entails driving to an alternate site a few times a month, 325 miles round trip...
by bungalow10
Thu Dec 11, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 6790

Re: More money equates to feeling poor?

More stuff equates to feeling poor. Not more money.

edit - and I do feel poorer now, but that's because I have more mouths to feed and more responsibility.
by bungalow10
Thu Dec 11, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6056

Re: Why So Many Used Prius for Sale?

Anyone here with a Prius have kids? I'm thinking of buying one for me as my commuter. It wouldn't be the primary kid hauler, but needs to handle two adults and three kids in a pinch. Also, how are they on comfort? My job entails driving to an alternate site a few times a month, 325 miles round trip ...
by bungalow10
Thu Dec 11, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 6790

Re: How do you contribute to your IRA?

I currently DCA. $424 is contributed from every paycheck (two Roth IRAs, me and DH).

Next year I'm considering a lump sum just to make it easy.
by bungalow10
Thu Dec 11, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1637

Re: Where do you shop for groceries?

All. Costco, local organic co-op, pick your own veggie farm, local farmers for meat.

The only one I don't shop at is the traditional grocery store (Piggly Wiggly, Sentry, etc).
by bungalow10
Thu Dec 04, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 5765

Re: Advice for lock-boxing inheritance for 20 years

Our lawyer set up our trust for the kids so that any money remaining after their educations is divided in three (three kids) when the oldest reaches 25 years old (the youngest will be 20 at that point). Each child gets half their allotment when they turn a 25 and the remainder when they turn 30. It ...
by bungalow10
Thu Dec 04, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for lock-boxing inheritance for 20 years
Replies: 45
Views: 3645

Re: Ever wake up one day, and your whole life has changed? (

OT comment. I've been surprised at reasonable-quality firearms maintaining value. I would have thought modern guns would suffer massive depreciation like cars, computers, and furniture. But it simply isn't the case. Glock and S&W handguns, Benelli and Browning shotguns, for example, are still d...
by bungalow10
Thu Dec 04, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 6777

Re: Buying a kids first car -- considerations?

My knee-jerk reaction is that there is NO WAY I would give a new driver a mini cooper. Not that I have anything against small cars, I just think it's a little too zippy, sporty, etc and might attract too much attention, for a young driver.
by bungalow10
Wed Dec 03, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Buying a kids first car -- considerations?
Replies: 25
Views: 2575

Re: Rental Property Questions (landlords and property manage

Is this your first property? Do you WANT to own it? Do you want to interact frequently with the people that will be living there? We owned a four unit and it was a good experience, actually our renters (the people themselves) were the best part of it. We sold it earlier this year, after owning it fo...
by bungalow10
Wed Dec 03, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property Questions (landlords and property managers)
Replies: 8
Views: 640

Re: Rental Property Questions (landlords and property manage

I always figured one month vacancy per unit per year. With really, really good management (ie manage it like you own it, because you do), you can do better than this. Using a property management company might mean you have to increase this number. Maintenance is very property-specific. Make a list o...
by bungalow10
Wed Dec 03, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property Questions (landlords and property managers)
Replies: 8
Views: 640

Re: Avoiding lifestyle creep

Thank you, everyone, for your input. We may actually allow a bit of lifestyle creep with this raise... not much, but a little. We are going to spend small amounts on things like extracurriculars for our kids (circus arts classes, drawing classes), maybe some skiing locally, more experiences now that...
by bungalow10
Wed Dec 03, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5428

Re: Am I a job hopper?

I am mid 40's and possibly changing jobs for more money. I was wondering when it is too many job changes where someone would feel like I am a job hopper. This would be company # 4 after college, with a 16, 1year and 3 year run in between. How many jobs did you have between graduation and 50? Am I c...
by bungalow10
Tue Dec 02, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a job hopper?
Replies: 50
Views: 4569

Re: Which degree makes more sense for a late starter

Agreeing with others, there is no salary bump for MBAs. Like most other degrees, it opens you up to more opportunities. That is all.
by bungalow10
Tue Dec 02, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Which degree makes more sense for a late starter
Replies: 54
Views: 3973

Re: Make an Efund/college fund mix

This is what I think about Efund; please feel free to sermon me if you see fit. #1 Efund should not be based on living expenses but on the e-situation Say your household has $3000/month living expenses and you get laid off. Being this an emergency situation, common sense would require you to cut/su...
by bungalow10
Tue Dec 02, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Make an Efund/college fund mix
Replies: 11
Views: 761

Re: HSA - must contributions be through employer?

Generally you can contribute directly, but that money will be subject to FICA unlike when employer withholds your contribution. This may not be such a bad deal; you will pay Social Security tax, but you will get a benefit from increased Social Security in return. Actually, I make more than the inco...
by bungalow10
Fri Nov 28, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA - must contributions be through employer?
Replies: 9
Views: 1215

Re: HSA - must contributions be through employer?

You can definitely make HSA contributions yourself. In addition, you can make contributions for 2014 until April 15, 2015. So you could wait and see if your employer does pull anything out of your remaining 2014 paychecks and then in January make the remaining contribution. Thank you, this is just ...
by bungalow10
Wed Nov 26, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - must contributions be through employer?
Replies: 9
Views: 1215

Re: Is there anything unhealthy about drinking tap water?

We have an under-sink filter on our kitchen for our cold water tap. I think our tap water is over chlorinated. We also filter our shower water because of the chlorine smell.

Other than that, I think tap water is great!
by bungalow10
Wed Nov 26, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1259

HSA - must contributions be through employer?

I became eligible for and signed up for a high deductible insurance plan through my employer starting October 1 of this year. I enrolled in the HSA at that time as well, with the understanding that I can contribute 1/4 of the family amount (because I was eligible for 1/4 of the year). Employer benef...
by bungalow10
Wed Nov 26, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - must contributions be through employer?
Replies: 9
Views: 1215

Re: Lamps for S.A.D. problem

I'm a former SAD sufferer. Vitamin D. Changed my life. I take about 2000 UI/day, sometimes up to 5000 UI/day.

Research - http://www.ncbi.nlm.nih.gov/pubmed/10888476
by bungalow10
Wed Nov 26, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Lamps for S.A.D. problem
Replies: 18
Views: 1745

Re: Paying my parents a salary not to touch their nest egg

What parents in their right minds would sign up for this?
by bungalow10
Wed Nov 26, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4428

Re: Seeking Boglehead advice on new home

We have a 3BR/2BA and until baby #3 came along my brother lived with us in one of the bedrooms. I really think that you should think about trying to make it work in your current place. Having a lower mortgage payment and walkability could give you some really nice options in the future. Sure, it mig...
by bungalow10
Wed Nov 26, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 28
Views: 3270

Re: Kindle question - online access books

The e-Ink Kindles I'm not sure about. They have or used to have some kind of web browser that was said to be a "beta version." Maybe someone else can say how usable it is. E-ink Kindles do have a browser. It is slow and not good for graphics. If you are accessing a website specifically to...
by bungalow10
Wed Nov 26, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 1450

Re: Kindle question - online access books

I don't buy my books on the device. I buy books from Amazon website on my laptop/desktop and then I direct it on a device - even my Samsung Galaxy Note 3. I don't know on how many devices you can have a book at the same time. I don't think there is a limit. We have many Kindles (five Kindles, two p...
by bungalow10
Tue Nov 25, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 1450

Re: Avoiding lifestyle creep

If you are worried about the kids not going to college, only put enough in the 529 to fund a couple years and put the rest in a taxable account. If one doesn't go, you can transfer their balance to one of the other accounts. Or you can transfer to grandchildren. Or go back to school yourself when y...
by bungalow10
Tue Nov 25, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5428

Re: Kindle question - online access books

The e-Ink Kindles I'm not sure about. They have or used to have some kind of web browser that was said to be a "beta version." Maybe someone else can say how usable it is. E-ink Kindles do have a browser. It is slow and not good for graphics. If you are accessing a website specifically to...
by bungalow10
Tue Nov 25, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 1450

Re: Avoiding lifestyle creep

freebeer wrote:MrMoneyMustache FTW!


So... WWMMMD?
by bungalow10
Tue Nov 25, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5428

Re: Avoiding lifestyle creep

On suggestion DH had was to save a little more aggressively towards our next vehicles. I think that's a good plan, but I'd still like to hear all the suggestions out there - especially since we will probably have the same questions when he starts back to work. ETA: and while I want to save more for ...
by bungalow10
Tue Nov 25, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5428

Avoiding lifestyle creep

I just found out I'm getting an off-cycle raise of $9k. I will probably get another few thousand during our normal raise/merit period in the spring. Yeah for me!! DH is a SAHD. I make a good income. We max out or tax advantaged space (17.5k in 401k, 5.5k in each Roth). We have a nice lifestyle drivi...
by bungalow10
Tue Nov 25, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5428

Re: Dog food - how cheap is too cheap?

Your go-to source for all dog food information is http://www.dogfoodadvisor.com Pedigree is rated very low. If you are near a Costco you will find their Kirkland Signature dog and cat food to be by far the best bang for the buck in premium foods. I have probably saved hundreds buying this food comp...
by bungalow10
Tue Nov 25, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 5730

Re: Kindle question - online access books

The price of the Kindle Paperwhite, by far my favorite e-reader, is down to $79 for a refurbished unit with a 1-year warranty if you wait for a sale. So if you do end up getting an e-reader and a tablet, at least the e-reader is fairly inexpensive (and an incredible value, IMO).
by bungalow10
Tue Nov 25, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 1450

Re: Bogleheads, anyone doing "Black Friday"

It may not seem like fun, but to many people it is. People who are on a tight budget for Christmas are often willing to do a lot of research and get up in the middle of the night to save a few dollars on a doorbuster item. It's like a quest. They map out a sequence of what stores to visit, they bri...
by bungalow10
Mon Nov 24, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5620

Re: Do you use a phone book?

stevep001 wrote:
Many of the book providers do have a way to opt out.


Nope. I have opted out of all of them, still get them. I stopped the delivery person once and he said they are not given any instructions regarding who has opted out - he's told every house gets one.
by bungalow10
Mon Nov 24, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2135

Re: Bogleheads, anyone doing "Black Friday"

95% of Black Friday "deals" are just smoke and mirrors. Not actual deals at all, just products designed and marketed to capture the frenzy of the day. I bought a refrigerator a few years ago the Monday before Thanksgiving. On Black Friday, the same refrigerator was on sale for $150 more th...
by bungalow10
Mon Nov 24, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5620

Re: Help: Three Fund Portfolio at Fidelity

If you must hold international at Fido, use the Spartan Global Except US instead of the Spartan Total International because Global contains emerging markets. I was not aware of this, you learn something new everyday. I may open a Vanguard Roth next year to hold my international. is there a reason y...
by bungalow10
Sun Nov 23, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3393

Re: Tasting Room Wines

to be clear, this is what I don't like Over a fun 10 – 15 minutes, you’ll taste the wines in pairs, indicating which ones you liked. In each pair, it’s possible you’ll like or dislike both — that’s ok, too! It tells us more about you. 15 minutes to taste six wines? That hardly seems like a good way ...
by bungalow10
Fri Nov 21, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1474

Re: Tasting Room Wines

You get the tasting bottles, you let the tasting room know your preferences, then you get 6 bottles or 12 bottles of wines that fit your preferences. The tasting bottles are just to zero in on your wine taste. The Tasting Room will select bottles of wine that closely fit your palette profile. Look ...
by bungalow10
Fri Nov 21, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1474

Re: Tasting Room Wines

The gift item is the tasting bottles to determine your likes. You contact the wine club and they will send 6 bottles that represent your taste. That's it for me as a gift. It will be up to the receiver if they want to continue or cancel. You can cancel at anytime. If the gift is just the tasting bo...
by bungalow10
Fri Nov 21, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1474

Re: Tasting Room Wines

It looks kind of fun. Is the person you would buy it for someone that entertains? I know personally, I really enjoy sharing a bottle of wine (or two) with friends. I would prefer to get full-size bottles.
by bungalow10
Thu Nov 20, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1474

Re: Help: Three Fund Portfolio at Fidelity

retiredjg wrote:
If you must hold international at Fido, use the Spartan Global Except US instead of the Spartan Total International because Global contains emerging markets.


I was not aware of this, you learn something new everyday. I may open a Vanguard Roth next year to hold my international.
by bungalow10
Thu Nov 20, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3393

Re: Help: Three Fund Portfolio at Fidelity

FSGDX - SPARTAN GLOBAL EX US INDEX FID ADV CL
FSITX - SPARTAN US BOND INDX FIDELITY ADV CLASS
FSTVX - SPRTN TOTAL MKT INDX FID ADVANTAGE CLASS
by bungalow10
Thu Nov 20, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3393

Re: Tasting Room Wines

Do you not know what you like?

Why not just go to a local tasting room, or a restaurant and order by the glass?
by bungalow10
Thu Nov 20, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1474

Re: Any experience on the 10 year alarm bateries

I change my batteries every year. Remembering is easy, when the time falls back (daylight savings time), I replace the battery. Sure enough, the few alarms I forgot to change started beeping a week after dst and always when I'm sleeping in the early morning hours. :) +1 Just regular Duracells and r...
by bungalow10
Thu Nov 20, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 17
Views: 1530

Re: Winter Coat

lululu wrote:Note that LL Bean thinks all women are short.


As a short woman (5'3"), I have to disagree. LL Bean fits the same as Lands End, Banana Republic, J Crew (which actually probably runs "short" more than others).
by bungalow10
Fri Nov 14, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 5049

Re: Does anyone here make "fun" purchases.

I make fun purchases all the time. I usually make myself wait for it because 1. at least 50% of the time, I find the desire for the item has passed and 2. when I find I do still want the item, I really appreciate and have usually put more thought into exactly what I want. It's all about being smart ...
by bungalow10
Fri Nov 14, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8399
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