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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
Thu Apr 23, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 36
Views: 1884

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
Sun Mar 29, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Featherbed [mattress topper]
Replies: 5
Views: 532

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 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3298

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
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: 3140

Re: If I Knew Then What I Know Now

Thank you!
by js2012
Sun Mar 15, 2015 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 52
Views: 8420

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 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3091

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 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3091

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 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Choosing between learning a language/learning martial art
Replies: 20
Views: 1041

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 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS # on check to pay Fed & State taxes?
Replies: 8
Views: 864

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
Sun Mar 08, 2015 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3091

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
Tue Mar 03, 2015 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Saver's credit to Roth then withdraw?
Replies: 4
Views: 888

Re: Oil & Vinegar

+1 Newman's Own
by js2012
Mon Mar 02, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4293

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
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: 1205

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
Wed Feb 25, 2015 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Commission sales or salary?
Replies: 15
Views: 1349

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
Tue Feb 17, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: Cloud based storage for tax documents
Replies: 7
Views: 616

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 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: NYC Taxes (NYC-208) credit for Real Prop. Tax Credit
Replies: 9
Views: 1205

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
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: 1205

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 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12768

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 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What types of insurance should I buy?
Replies: 12
Views: 1134

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 2:05 pm
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6069

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
Sat Feb 07, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What types of insurance should I buy?
Replies: 12
Views: 1134

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 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 11
Views: 1071

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
Sun Feb 01, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 11
Views: 1071

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
Mon Jan 26, 2015 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3782

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 11:52 am
 
Forum: Personal Consumer Issues
Topic: Are you a Morning Person?
Replies: 15
Views: 1211

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
Thu Dec 11, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 26
Views: 2760

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
Sun Dec 07, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ex-landlord won't return deposit
Replies: 29
Views: 3316

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
Tue Dec 02, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Just Paid Off My Car
Replies: 24
Views: 2308

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 7:55 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 5800

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
Sat Oct 25, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 10435

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
Wed Oct 15, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: T Mobile Free 200MB Data Per Month Global iPads
Replies: 15
Views: 1803

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
Sun Sep 21, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Purchasing a new mattress
Replies: 5
Views: 666

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 7:01 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2382

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
Sat Aug 30, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K for school
Replies: 10
Views: 603

Re: Pressure Cookers?

by js2012
Wed Aug 20, 2014 6:57 am
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3521

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 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2692

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
Tue Aug 19, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3521

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
Sat Aug 16, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3521

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 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 327

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
Fri Aug 08, 2014 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 327

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
Thu Aug 07, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 4569

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
Fri Aug 01, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Aid Folks - I need your help!
Replies: 7
Views: 859

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
Thu Jul 31, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: ESA vs. 529 College Savings Plan
Replies: 2
Views: 403

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.
by js2012
Fri Jul 04, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Getting toddler to brush their teeth
Replies: 53
Views: 3093

Adjusting w4

I looked at some of the past threads which I found very helpful, but I'm still a little stuck. For the past 3-4 years, my federal tax refund has been about $2000. To me, this is a large refund. So, I went to the irs calculator and input my information. I hope I put the right information in and it to...
by js2012
Wed Feb 19, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adjusting w4
Replies: 1
Views: 251

Re: Do you balance your checking account?

I also balance my checking account everyday with YNAB, not a paper register. I know to the second how much is in my account anywhere I go because the software syncs to my phone.
by js2012
Mon Feb 17, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5602

Re: Best Non-Stick Pan or Skillet

Cast iron! It's amazing how little oil you can get away with when you cook with a well-seasoned cast iron (I also adore my enamel Creset pans). Oil does not equal bad. Just a little dab imparts wonderful flavor, help with nonstick, and the right oil is healthy. I would rather reduce my oil intake th...
by js2012
Mon Feb 17, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Best Non-Stick Pan or Skillet
Replies: 52
Views: 7110

Re: Filed my tax return on my own - one last question

Yes, I know that "accepted" doesn't mean I won't get audited. My last question: What is the purpose of "archiving" my return with TaxAct? I printed and saved a pdf version. Has anyone who used TaxAct used this service? What is the benefit? I know it's only $6.99, but I'm more int...
by js2012
Sat Feb 15, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 1012

Filed my tax return on my own - one last question

This is the first time I have ever done my own tax return and I'm still nervous after pressing the submit button about 15 minutes ago. I hope all is well and I don't get audited. I don't know why I don't feel very confident about this, maybe because my friend who used to do her own tax returns forgo...
by js2012
Sat Feb 15, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 1012

Re: Tax Return Question [1099-B]

Thank you damjam,

I took it out since it was being taxed because TaxAct didn't know how to handle it. So far, I think I'm all set. Just hesitant to press the send button.
by js2012
Fri Feb 14, 2014 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Return Question [1099-B]
Replies: 9
Views: 675
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