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by js2012
Wed May 20, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Need Budgeting Help ASAP!
Replies: 42
Views: 1972

Re: Need Budgeting Help ASAP!

I also live in NYC. It can be hard but there are lots of ways to cut your expenses down. I'm a teacher and I make about $80k/year and use YNAB. I save about $1000 a month. First, use YNAB to help you track your expenses and plan for upcoming expenses. I've saved a 4 month emergency fund and am worki...
by js2012
Sun May 17, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Expense tracking software with mobile app
Replies: 10
Views: 680

Re: Expense tracking software with mobile app

I've used You Need a Budget for the past 2+ years - totally worth the $60 I spent as it has really helped me keep my spending in check. I can enter my spending on the app at the store and it only takes a few seconds. You can split a purchase into different categories (if you want to be that specific...
by js2012
Mon May 11, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 177
Views: 21441

Re: much ado about coasting (through life)

Thank you for posting your question, OP. I'll be 35 in a few months and as a employed female, I am going through a bit of an early life crisis of whether motherhood is in my future. Sometimes, I feel as though others judge people without children as not doing anything worthwhile or challenging in th...
by js2012
Tue May 05, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness
Replies: 5
Views: 797

Re: Student Loan Forgiveness

Actually, the program doesn't require a commitment beforehand. You continue making your loan payments as usual, you don't have to sign up for anything. After you complete the five years in a Title I school, you have letters signed by the principal and fill out the application and mail it out. There ...
by js2012
Tue May 05, 2015 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness
Replies: 5
Views: 797

Re: Student Loan Forgiveness

I actually went through the program and can confirm that it works, provided you follow the rules (when I was going through the process and googled information about it, I stumbled on a forum of disgruntled people who were denied because they didn't meet a requirement). It was easy and the paperwork ...
by js2012
Thu Apr 23, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 47
Views: 3324

Re: Co-sign on spouse's student loans?

I'm a science teacher and I had $17,500 of my graduate degree forgiven without signing up for an income deferment option. I had to work 5 years in a title I school and then submit some paperwork after the five years was up. No pre-signing of anything. I'd look into that option. It's run by the US De...
by js2012
Sun Mar 29, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Featherbed [mattress topper]
Replies: 5
Views: 569

Featherbed [mattress topper]

Hi everyone, I posted a few months ago about getting a new mattress. I did some looking around and am going to try and get some different mattress toppers to up the comfy level of my all wool firm mattress (more like a thicker futon mattress). I've been looking at a featherbed from the W Hotel store...
by js2012
Sat Mar 28, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3419

Re: Son graduating college-what to do?

My uncle loaned me money to move down to NYC about 10 years ago and I paid him back years ago. Over the years, my parents helped me by paying for my train ticket home, maybe purchasing a piece of clothing if we went shopping when I came home to visit. Once in awhile, they are generous at Christmas a...
by js2012
Sat Mar 28, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: I'm a single 38 yo female needing financial advice
Replies: 18
Views: 3196

Re: I'm a single 38 yo female needing financial advice

Single, 34 yo female living in Brooklyn here. I suggest getting a grip on your expenses and trying to cut as much as you can so you can up your savings rate. I suggest trying out the YNAB software - I've been using it for 2.5 years and my net worth has gone up a lot simply by being aware of what I s...
by js2012
Sun Mar 15, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 61
Views: 12286

Re: If I Knew Then What I Know Now

Thank you!
by js2012
Sun Mar 08, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3271

Re: Home workouts and motivation

Thanks for all of the suggestions. I'm looking forward to saving some money and changing up my routine.

Right now, I'm thinking that some dumbbells, a kettelball and maybe a video or two will start me off well. I already have yoga equipment and stretch cords.

Keep the ideas coming!
by js2012
Sun Mar 08, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3271

Re: Home workouts and motivation

Thank you for the suggestions so far. Running will be fine now that winter is winding down but I'm also thinking about what to do next winter or when it's raining. Are there any workout videos that anyone also uses? What are some strategies to keep motivated (do you commit on a calendar, have set da...
by js2012
Sun Mar 08, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Choosing between learning a language/learning martial art
Replies: 20
Views: 1090

Re: Choosing between learning a language/learning martial ar

I am half Korean and learned how to read, write, and speak a little in college. I vote for learning the language. Actually, Korean is very easy to learn how to read. You can learn how to read in a few hours (not that you'll understand what you're saying unless it's pronouncing English words). I also...
by js2012
Sun Mar 08, 2015 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: SS # on check to pay Fed & State taxes?
Replies: 8
Views: 875

Re: SS # on check to pay Fed & State taxes?

I would put the last four numbers on the check if you're worried (I'm guessing you're thinking about the check image that the banks will post or have access to?)
by js2012
Sun Mar 08, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3271

Home workouts and motivation

Right now, I spend $47 a month for a gym membership and $140 a month for a Masters Swim Team. I also recently restarted doing yoga and would like to take one class a week to help get restarted. The overall problem is I'm bored of the gym and have trouble making the swim team practices so the unlimit...
by js2012
Tue Mar 03, 2015 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit to Roth then withdraw?
Replies: 4
Views: 901

Re: Saver's credit to Roth then withdraw?

Need to check but the ROTH has to be open for 5 years I thought before contributions could be taken out.
by js2012
Mon Mar 02, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4527

Re: Oil & Vinegar

+1 Newman's Own
by js2012
Sun Mar 01, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Taxes (NYC-208) credit for Real Prop. Tax Credit
Replies: 9
Views: 1261

Re: NYC Taxes (NYC-208) credit for Real Prop. Tax Credit

OP here. I followed the link above and it seemed like property taxes were paid on the property (most likely they were paid if you are living in a residential building, from my understanding). I had to input my address, total rent paid for the year and then indicate if it included gas, electric, wate...
by js2012
Wed Feb 25, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Commission sales or salary?
Replies: 15
Views: 1429

Re: Commission sales or salary?

If he's that good can he sell cars on the weekends and get the salary job? It won't be as much but he can still be getting some commission
by js2012
Tue Feb 17, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Cloud based storage for tax documents
Replies: 7
Views: 651

Cloud based storage for tax documents

I think I'm ready to take some of my old tax returns and scan and save them to my computer. So, I have a few questions. If I ever do get audited, are scanned copies acceptable? How far back should I still keep the paper copies, too? Can anyone recommend a really good cloud-based secure server for so...
by js2012
Mon Feb 09, 2015 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Taxes (NYC-208) credit for Real Prop. Tax Credit
Replies: 9
Views: 1261

Re: NYC Taxes (NYC-208) credit for Real Prop. Tax Credit

Thank you for the information. I was able to find my building and it looks like property tax is being assessed. So, if I'm understanding this correctly, I do qualify for the deduction, right? This just seems too good to be true since I don't actually own anything. Is there anyone else in NYC in a si...
by js2012
Mon Feb 09, 2015 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Taxes (NYC-208) credit for Real Prop. Tax Credit
Replies: 9
Views: 1261

NYC Taxes (NYC-208) credit for Real Prop. Tax Credit

Thanks in advance for any assistance. I'm doing my taxes and stumbled upon the NYC-208 credit for Real Property Tax Credit for Homeowners and Renters. Here's a link to the instructions: http://www.tax.ny.gov/pdf/current_forms/it/nyc208i.pdf I meet all of the criteria except I don't know if my reside...
by js2012
Sat Feb 07, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 13512

Re: Keurig-cup coffee makers - why?

Here's a question to drip coffee users who use the paper filters. I use a Mr. Coffee at night to program my morning brew and I use a reusable filter. I noticed no drip coffee users mentioned using one. Are the paper filters superior to the gold filter? As to the discussion on cost, a pound of coffee...
by js2012
Sat Feb 07, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What types of insurance should I buy?
Replies: 12
Views: 1154

Re: What types of insurance should I buy?

Thanks for the reply!

So, it's not a problem not having the receipt? I'm thinking of just using my iPhone and making sure they go on the cloud. Thanks!
by js2012
Sat Feb 07, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6218

Re: What to buy sweetie for Valentine's Day

Woman here. Maybe I'm weird but I'm not a flowers kind of person (or singing telegram either). I like more practical things like a book, chocolates, fruit, nice wool socks, flannel bedsheets (hey, it's winter in NYC, we all want to cozy up with our loved ones) Of course, if your girl likes flowers, ...
by js2012
Sat Feb 07, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: What types of insurance should I buy?
Replies: 12
Views: 1154

Re: What types of insurance should I buy?

I got renters insurance for the first time last year (after renting for 8). I'm so glad I have it but I do have a question. I was able to find my receipt for some of my more expensive electronics (iPad and computer) but I don't have any receipts for my clothing or for my expensive Le Creset pots and...
by js2012
Sun Feb 01, 2015 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 11
Views: 1083

Re: Tax Software - Difference in return

Thanks everyone for the help. I think I'll start over next weekend and record the changes after I input different things. Otherwise, I'm not sure how I'm going to know what's right or not. Does anyone do their taxes on paper and then do them with the computer for the final version (I thought that wo...
by js2012
Sun Feb 01, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 11
Views: 1083

Tax Software - Difference in return

Hi Everyone, This is my second year attempting my own taxes. This year, I"m inputting them in both TurboTax and TaxACt to see how they unfold. The federal return is a match, but TurboTax has me getting $375 back from NY and TaxACT has me OWING $25. Is this common? Should I just go with TurboTax...
by js2012
Mon Jan 26, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3832

Re: Women's Face Moisturizer/Lotion

I just picked up a face oil (Fresh brand) with essential oils in it. They can be mixed with your moisturizer and add a boost in the winter months. They don't make you greasy (absorb well), have a "essential" oil light smell to them, and don't scream wrinkle cream. They can also be used on ...
by js2012
Thu Dec 11, 2014 11:52 am
Forum: Personal Consumer Issues
Topic: Are you a Morning Person?
Replies: 15
Views: 1219

Re: Are you a Morning Person?

I think I get it from my parents. My father wakes up at 4 and is at the office by 6. I'm up at 6 for my teaching job and I think my mom is the latest riser, somewhere around 7. Growing up, it was common for my mother to barge into my room and open all of the blinds if I was still sleeping by 7:30. I...
by js2012
Thu Dec 11, 2014 11:43 am
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 26
Views: 2806

Re: East Coast trip with kids (NYC, Boston, Washington?)

I disagree, there is lots to see at Coney Island! First of all, they have roller coasters and other rides there to entertain the kiddies. There's a boardwalk, the famous and original Nathan's is a popular lunch spot, a baseball stadium that looks out to the ocean if your kids are into baseball, the ...
by js2012
Sun Dec 07, 2014 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-landlord won't return deposit
Replies: 29
Views: 3369

Re: Ex-landlord won't return deposit

And keep us updated on what transpires! My friend has an unscrupulous landlord and this might be something she has to deal with in the coming months.

Good luck!
by js2012
Tue Dec 02, 2014 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Just Paid Off My Car
Replies: 24
Views: 2335

Re: Just Paid Off My Car

I use YNAB as well (2 years now) and it really helped me accelerate my debt payoff.

I would also start saving some money to purchase a new one with cash once you've driven your current car to the ground. Congratulations!
by js2012
Sat Oct 25, 2014 7:55 pm
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 6022

Re: LASTPASS Password Program

I use 1Password, which stays local on my computer. I type in my master password and can then unlock all of my usernames and passwords. Does someone have to login to LASTPASS in order to have access to their passwords, or is it a local software too? And if anyone knows any pros or cons to 1Password, ...
by js2012
Sat Oct 25, 2014 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 10623

Re: Apple Pay, Google Wallet, credit, and us

If I'm close to another register, can I accidentally pay for someone else's purchase with my iPhone? Does anyone know how this would work with refunds since there isn't a paper copy?
by js2012
Wed Oct 15, 2014 8:40 am
Forum: Personal Consumer Issues
Topic: T Mobile Free 200MB Data Per Month Global iPads
Replies: 15
Views: 1914

Re: T Mobile Free 200MB Data Per Month Global iPads

I think they throttle you after 200 MB, not turn it off, which is great. I got in on the promotion to get a free gig on top of the 200 MB until the end of 2014. I really don't use the iPad too much, but it's very convenient.
by js2012
Sun Sep 21, 2014 11:48 am
Forum: Personal Consumer Issues
Topic: Purchasing a new mattress
Replies: 5
Views: 688

Purchasing a new mattress

My lower back pain has gotten progressively worse the past three years and it recently dawned on me that it may just be my mattress that is the same age. I have an all wool futon mattress sitting on a platform. I bought the mattress because it is eco-friendly (all organic wool), but I think over the...
by js2012
Sat Aug 30, 2014 7:01 pm
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2401

Re: NYC [Visit to New York City]

I don't know if the operas are open yet, but I saw Madame Butterfly at the Met a few years ago and loved it. Two years ago, I saw ballet and really enjoyed that as well. If you go to the bottom of the Brooklyn Bridge, there is ferry service that makes multiple stops up and down Brooklyn. So, if you ...
by js2012
Sat Aug 30, 2014 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: 401K for school
Replies: 10
Views: 610

Re: 401K for school

Correct me if I'm wrong or misunderstanding, but she has to leave the company before she can roll it into an IRA, right? Does she plan on continuing to work part-time while in school? If yes, she may not be able to roll it into an IRA and then take out the funds.
by js2012
Wed Aug 20, 2014 6:57 am
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3539

Re: Pressure Cookers?

by js2012
Tue Aug 19, 2014 10:49 pm
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2731

Re: Girls gymnastics: what to expect

I haven't read all the responses but want to chime in with some more information about swimming. I am 34 and am still a competitive swimmer. It was the greatest gift my parents gave me. Of course, I liked to do it which makes a huge difference, but I really started it because my friends were doing i...
by js2012
Tue Aug 19, 2014 10:37 pm
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3539

Re: Pressure Cookers?

@nisiparius, You do have to be careful cooking some items like beans and rice which may foam, thus blocking the valve. However, the solution to that is to add some oil to your pot, which helps to prevent foaming. Someone above mentioned the newer models allowing water into the pot when it's placed u...
by js2012
Sat Aug 16, 2014 1:03 pm
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3539

Re: Pressure Cookers?

I have a Rikon Kuhn (sp) that is amazing. It truly was a game changer for me. Risotto and polenta are a cinch to make and really delicious. It speeds up cooking time and preserves all of the wonderful flavors of the food. I make corn on the cob, rice, lentil soups, and beans in mine and there are lo...
by js2012
Fri Aug 08, 2014 4:03 pm
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 338

Re: Using a Roth IRA instead of a 529

Thank you for the advice. I'm not putting a lot in there ($50/month), but I'm concerned because my sister didn't start a fund for her and she's horrible with money. My father started a savings account for the niece and is doing $50/month. I am concerned with my retirement and really struggled with s...
by js2012
Fri Aug 08, 2014 3:32 pm
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 338

Using a Roth IRA instead of a 529

My sister had a baby last year and I started a savings account to put away some money for college. Currently, I'm not maxing my ROTH or 403b and I have a Target Retirement Account for my Roth with Vanguard. I'm considering opening another "Roth" at Vanguard to keep the money separate from ...
by js2012
Thu Aug 07, 2014 10:26 pm
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 4663

Re: How often do you replace bath towels?

I just happened to be looking into buying some new ones and came across L.L. Bean's Textured Cotton Towels (essentially Turkish towels). They are supposed to dry much faster than regular towels and be more absorbent. Of course, they aren't cheap, either. Does anyone own these particular towels or ca...
by js2012
Fri Aug 01, 2014 11:13 pm
Forum: Personal Consumer Issues
Topic: Kitchen Aid Folks - I need your help!
Replies: 7
Views: 872

Kitchen Aid Folks - I need your help!

I'm going to look at a used Kitchen Aid Artisan tomorrow afternoon. It's $150 and the seller said it's barely used. What should I be looking out for to make sure it's in good working condition? I've never even touched one before but have wanted one for a long time.
Thank you!
Jen
by js2012
Thu Jul 31, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: ESA vs. 529 College Savings Plan
Replies: 2
Views: 415

ESA vs. 529 College Savings Plan

I'd like to open an account for my niece who lives in another state. Just socking away money for the last has put me at about $800 and I'd like to invest it for the next 17 years and hopefully it will grow much faster. Here's my question. What if she doesn't go to school? My understanding of the ESA...
by js2012
Fri Jul 04, 2014 3:59 pm
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 3183

Re: Getting toddler to brush their teeth

I don't have kids but just a thought. As someone mentioned before, it's probably not about the brushing at this point. How about taking her to the dentist? She can get a little exam from the dentist and maybe he/she can "educate" her. She might be more receptive from another party.

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