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Re: AAA worth it? I have Allstate

Can anyone compare AAA to State Farm's Roadside Assistance program. AAA basic for our two cars would be over $70/year. State Farm's program is $15/year. Our cars are high mileage and I've been commuting several times a month to a location 150 miles/home, so I want an emergency towing service (or if...
by bungalow10
Tue Jul 22, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 2861

Re: AAA worth it? I have Allstate

Can anyone compare AAA to State Farm's Roadside Assistance program. AAA basic for our two cars would be over $70/year. State Farm's program is $15/year. Our cars are high mileage and I've been commuting several times a month to a location 150 miles/home, so I want an emergency towing service (or if ...
by bungalow10
Tue Jul 22, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 2861

Re: cash in ibond or use savings for education

I just checked the specifics of what I have in bonds. I was wrong about the years. Here is a summary of the years and fixed interest each year. Issue date: 4/2013 Interest 1.18% Issue date: 4/2012 Interest 1.18% Issue date: 5/2011 Interest 1.84% I could be wrong, but I don't think 2011-2013 had fix...
by bungalow10
Mon Jul 21, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash in ibond or use savings for education
Replies: 9
Views: 654

Re: cash in ibond or use savings for education

Is there a fixed rate component to the bonds you own? What is it?
by bungalow10
Mon Jul 21, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash in ibond or use savings for education
Replies: 9
Views: 654

Re: Need advice re hearing aid for small child

As for your questions concerning whether we really need the aids, I'm not 100% sure right now. The ENT said that it has been his experience that most hearing-impaired kids need an aid of some sort in the classroom setting. He thinks she'll do fine without aids in most other settings. When your ENT ...
by bungalow10
Mon Jul 21, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 16
Views: 744

Re: Need advice re hearing aid for small child

Have you (and your medical team) concluded that a hearing aid is necessary? The reason I'm asking is that my son was born with moderate unilateral hearing loss. His ENT, pediatrician, and I (and my husband) have decided the best course of action for us is to wait and see if a hearing aid is needed. ...
by bungalow10
Mon Jul 21, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 16
Views: 744

Re: Help me select a streaming media device

Roku is really easy to set up and use. I've used three different ones on multiple TVs and never had an issue. It's a safe bet.
by bungalow10
Mon Jul 21, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 19
Views: 1272

Re: Honda Fit, Civic

Has anyone compared the Civic, Accord, Fit to the Crosstour? I'm very intrigued by it. I'm also curious how the Crosstour will compare with the new SUV (HRV? Vezel?).
by bungalow10
Mon Jul 21, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2945

Re: Honda Fit, Civic

I had a Fit and loved it. The base tires on mine were horrible and I initially didn't like how it handled in snow, but after putting some decent tires on (not even snow tires, just better than the stock tires) it handled really well.. I live in WI and have a 60 mile round-trip commute to work on rur...
by bungalow10
Fri Jul 18, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 2945

Re: Income change budget adjustments

If it were me, I would pay down the mortgage using the emergency fund (170K) and the investment account balance(112K), and use Roth IRA (116K) as the new emergency fund. Then your $45K income should be comfortable for your living expenses (and for rebuilding your traditional emergency fund). I know...
by bungalow10
Thu Jul 17, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Income change budget adjustments
Replies: 16
Views: 1049

Re: Whole Life Conundrum

Do not pay any more premiums on that policy. Throwing $40k more into it will not get your lost $50k back.
by bungalow10
Wed Jul 16, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Conundrum
Replies: 22
Views: 1599

Re: Your Favorite Appetizer Recipe

you guys are killing me!!!!!

keep em coming :)
by bungalow10
Wed Jul 16, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Appetizer Recipe
Replies: 9
Views: 1073

Re: Income change budget adjustments

We are starting to "really" budget at this point due to her quitting her job. We planned on trying Mint, but will check YNAB as well. Thank you for the feedback. I agree there are a lot of factors including the tax brackets, etc that will come into play. Good luck!!!! Keep us posted.
by bungalow10
Wed Jul 16, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income change budget adjustments
Replies: 16
Views: 1049

Re: Income change budget adjustments

Depending on your income and your state, her income may have had a very high marginal tax rate. When my DH quit, the math we did figured that his income was being taxed at 25% (fed) +6% (state) + 6%(SS) = 37%. Add in the cost of his transportation and the convience incidentals that a household with ...
by bungalow10
Wed Jul 16, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income change budget adjustments
Replies: 16
Views: 1049

Re: Millennials (with jobs) are super-saving their retiremen

DH and I are young Gen-Xers (born in 1978 and 1979). I feel like we've been very fortunate to both have had jobs with pensions. DH is not with his employer anymore, opting to stay home with the kids, but my pension is still growing for a few more years (it's being discontinued in 2-3 years). I start...
by bungalow10
Wed Jul 16, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9015

Re: Buying a camper

Thank you to everyone that has responded! Keep the ideas coming, there's definitely a lot to consider (luckily we aren't going to buy for at least 12 months). To respond to a few questions or suggestions, DH and the kids and I currently camp quite a bit and have camped for years. I don't want bathro...
by bungalow10
Tue Jul 15, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2429

Re: Buying a camper

I'm surprised you're not interested in a pop-up, as it seems to meet all your needs in an economical package. The main reason I've seen a hard sided preferred is for safety when camping in bear country. Hard sided campers are harder to tow, heavier, more expensive, less ventilated, etc. I grew up c...
by bungalow10
Mon Jul 14, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2429

Buying a camper

My family and I like to camp. We have a 6 year old, 4 year old, and 1 year old. We would like to buy a camper so the packing, setup, and tear down process is easier and faster. What we want * a place to sleep that is dry - sleeping 5-6 would be good, but could make due with sleeping for four * fast ...
by bungalow10
Mon Jul 14, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2429

Re: Amazon prime - how to get the best out of it?

I returned an item, and Amazon offered two options I hadn't seen before: Instant payment of rebate back onto my credit card (when I clicked rather than when they receive the item, with Amazon asking me to return the item within 30 days), and telling Amazon to arrange for the UPS driver to come pick...
by bungalow10
Thu Jul 10, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5080

Re: Amazon prime - how to get the best out of it?

One side note. It is not a rule. However, there is a big overlap between book titles that are available for free on 1-month loan, and book titles that are available as so-called "library loans" through our local public library (poisonous witches' brew involving the library system, a myste...
by bungalow10
Thu Jul 10, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5080

Re: Amazon prime - how to get the best out of it?

Jonathan wrote:Recently signed up for the Amazon Store Card. 5% back on Amazon purchases, including items sold on Amazon by third-party sellers. The interest rate is exorbitant, but I don't imagine many bogleheads pay credit card interest.



Do you have a link? I'm not aware of an Amazon card that pays 5% back.
by bungalow10
Thu Jul 10, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5080

Re: Homeowner responsibility for water service line

Where I live the homeowner is only responsible for the water line from the meter to the dwelling. If there is a leak on the other side of the meter (from the meter to the main line) the Water Company is responsible for repairing that. . Just curious, if that leak happens to be under a building or o...
by bungalow10
Mon Jul 07, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2013

Re: Homeowner responsibility for water service line

I've had to replace my water line. We had what we called "the money pit", a giant hole in front of our house for some time. We had to dig up our water line TWICE before we finally elected to fix it. Of course this was after we had poured a new driveway and the driveway was right over the l...
by bungalow10
Mon Jul 07, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2013

Re: Dining table

Make sure you get comfortable chairs. I have a very expensive (inherited,I believe the brand is Tell City) large oak table and chairs. The chairs are very uncomfortable. Indestructible, but uncomfortable. I have slowly been picking up quality mismatched wood chairs at garage sales over the years and...
by bungalow10
Mon Jul 07, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1455

Re: Budget or create saving buckets?

Add the cards. We use our credit cards a lot and pay the bill in full. Each credit card transaction is imported (we set up our cards) so we can assign the transaction a budget category and track them by the date they were incurred. Then when the payment is made, the payment is not assigned a budget...
by bungalow10
Thu Jul 03, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7311

Re: Budget or create saving buckets?

One thing I'm not able to figure out, despite going through the videos and online discussions. Can I simply ignore adding/tracking my credit card in YNAB? In the following scenario: - I do have 2 months worth of expenses in my checking (so not in "float" per YNAB theads) - About 90% of my...
by bungalow10
Wed Jul 02, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7311

Re: Budget or create saving buckets?

Another YNAB devotee here. I used to do the separate account thing at ING (now Capital One 360) - but that isn't really budgeting and leaves a lot of opportunity on the table. And also tried using the budget tools of several online sites, but YNAB is so much simpler and very powerful.
by bungalow10
Wed Jul 02, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7311

homeowners ins deductible

I just realized last week that my homeowners insurance deductible was still set at $500. There's no way I would ever file a claim for less than $1000, or probably even less than $3000 - the risk of being dropped or having rates go up is too high. The $500 deductible is also being phased out by my in...
by bungalow10
Wed Jul 02, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: homeowners ins deductible
Replies: 7
Views: 780

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by bungalow10
Fri Jun 27, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2414

Re: Can I afford a house in this price range? ($500k)

Do you have kids that need to go to college in the future?
by bungalow10
Wed Jun 25, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house in this price range? ($500k)
Replies: 31
Views: 4387

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by bungalow10
Wed Jun 25, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2414

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine witho...
by bungalow10
Wed Jun 25, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2414

Re: Homemade Sauerkraut

I was thinking just one 5-liter crock. My initial thought was to use it for sauerkraut, which is the only fermented food I've had; then I would clean it out and rotate other food products according to whim and whatever was in season. That said, at least in these parts, cabbage won't be in peak seas...
by bungalow10
Mon Jun 23, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Homemade Sauerkraut
Replies: 15
Views: 982

Re: Family Budget

Your budget looks a lot like ours. We are a family of five (two adults, a six year old, four year old, 1 year old). I can't recommend a tool like You Need A Budget highly enough. We've been using it over a year and the data not only helped me drive out a lot of spending that didn't drive any increas...
by bungalow10
Mon Jun 23, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Budget
Replies: 17
Views: 2054

Re: Homemade Sauerkraut

I ferment in wide-mouth mason jars - either 1 quart or half-gallon size. Do you plan to buy a crock for each batch? I ferment cabbage, kohlrabi (our favorite), garlic and dill green beans, cucumbers, etc. A crock for each batch of food I ferment would get really expensive. I like to slow the ferment...
by bungalow10
Mon Jun 23, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Homemade Sauerkraut
Replies: 15
Views: 982

Re: Question About Investment Property Refiance

The 20 year looks like the sweet spot to me.
by bungalow10
Mon Jun 09, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question About Investment Property Refinance
Replies: 10
Views: 1124

Re: Any "Apps" you like?

I use the Capital One (formerly ING) and my credit union "apps" (which are really just mobile websites) to deposit checks. I use Amazon's app to price compare when I shop. I use Out of Milk (free) to store shopping lists. I keep a Costco list, hardware store list, garage sale list, etc. I ...
by bungalow10
Mon Jun 09, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3953

Re: How To Encourage A Young (Sensitive) Child In Sports

I don't expect him to be the best on the field, but I do want him to try his hardest. He says he wants to continue playing, but I' have to admit it's frustrating to watch him just putz around out there. He's six, how hard do you want him to try? Isn't there anything in your life you like to do just...
by bungalow10
Mon Jun 09, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5435

Re: Mistake: extra dirt

It wasn't your mistake and they don't want to come pick it up. Even if they wanted to they can't ask you to pay for it because you didn't order it and they don't want to pick it up. Keep the dirt and don't feel bad about it. Businesses make mistakes, it's a cost of doing business. It would cost the...
by bungalow10
Thu Jun 05, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Mistake: extra dirt
Replies: 24
Views: 2165

Re: Tesla: How is my financial health? and HELOC vs Loan

It does make sense and I agree with you for the most part. I ran some numbers and this is how my salary distribution is setup. RSUs and bonus are granted every 6 months - used for principal payments in addition to monthly PMI. Any recommendations on this distribution ? http://i1266.photobucket.com/...
by bungalow10
Wed Jun 04, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 4926

Re: Tesla: How is my financial health? and HELOC vs Loan

ssq wrote:Agreed, I am looking at my planned tax liability for this year + expected stock gains to factor in batches of stock sale. It will be ridiculous to sell all or major blocks, who does that unless the company is tanking or there is a need for major liquidity.


So your plan is to sell low?
by bungalow10
Tue Jun 03, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 4926

Re: Tesla: How is my financial health? and HELOC vs Loan

OP - with your income you have an amazing opportunity to build wealth. Don't blow it.
by bungalow10
Tue Jun 03, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 4926

Re: Amazon prime - how to get the best out of it?

We have Kindle Fires and Smart TVs and our kids watch Prime videos. We have all our credit card stuff under security key so they can't buy anything. It's a concern Amazon has solved for. Could you please elaborate a little bit more on how to do this? Any how-to page links? Thanks a lot. My TV, by d...
by bungalow10
Tue Jun 03, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5080

Re: Amazon prime - how to get the best out of it?

I use Prime and will remain a subscriber. No other website has the consistent service I get from Amazon. Same here, except I can't figure out the free Kindle book system. I get a display for just a handful of books I don't want. Searches for specific movies and programs are often not successful. I ...
by bungalow10
Tue Jun 03, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5080

Re: Amazon prime - how to get the best out of it?

My kid watches Netflix videos - I was wondering if it's possible to create a separate login/profile for her without exposing my primary account (that has the credit cards, etc. set up) so that she can watch Amazon Prime videos too. We have Kindle Fires and Smart TVs and our kids watch Prime videos....
by bungalow10
Tue Jun 03, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5080

Re: Retiring into the poor house in 13 yrs?

OP - I took a stab at estimating your post-retirement expenses and calculating out what you would need to have a modest retirement. mortgage 0 property taxes, ins, hoa 500 medical prem 1451 Does this go down without kids? car insurance 200 assumes 2 cars gas 200 no more commute home security 26 mal ...
by bungalow10
Fri May 30, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9269

Re: Retiring into the poor house in 13 yrs?

This is the approximate breakdown of our monthly expenses: mortgage-1476(includes property/school tax escrow) plus extra 600 principal payment hoa fee-157 medical premium-1451 car ins(3 cars).-320 gas(for 3 cars)-460 home security-26 malpractice ins(me)-150 disability ins(me0.-177 life ins(me and w...
by bungalow10
Thu May 29, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9269

Re: Retiring into the poor house in 13 yrs?

afr wrote:Our combined pretax income was a little over 260k in 2013 From 2007-2012 it was anywhere from a high of 285k in 2007 to 275k in 2012. Do you really think $5000/mo. is a lot for a family of 4?


Post your budget and you will get feedback on how you are doing.
by bungalow10
Thu May 29, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9269

Re: Retiring into the poor house in 13 yrs?

Believe me, I'd love to convert all of our non-deductible TIRA's into our small existing ROTH's(opened when we were making less income), but paying at our current 33% is a little too steep for us. Unfortunately, my accountant was never aware of the backdoor conversion and income cap elimination in ...
by bungalow10
Thu May 29, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9269
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