Search found 456 matches

by schnoodlemom
Fri Sep 30, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Incapacity: who should determine: Doctor or 2 trustees?
Replies: 20
Views: 2724

Re: Incapacity: who should determine: Doctor or 2 trustees?

Hi Mike, This is not my area of expertise, but I think there is value to having a medical opinion, since sometimes incapacitation is reversible delirium due to polypharmacy or illness. Hopefully your trustees would seek medical advice. My dad has a degenerative disorder with onset of dementia and hi...
by schnoodlemom
Fri Feb 12, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Key West and everglades trip
Replies: 41
Views: 5472

Re: Key West and everglades trip

Our extended family has vacationed in the Middle Keys (Islamorado & Marathon) for many winters, a 2.5-3 hour drive south on Highway 1 from FLL or MIA, with day-trips to Key West (an hour further south). A few times, we've stopped just inside the Everglades National Park entrance near Homestead to to...
by schnoodlemom
Thu Aug 27, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 10903

Re: How much do you donate to your kid's public school?

Midwest suburb, large public school... only suggested donation is PTA which supports among other things a holiday dance and teacher appreciation luncheon. Typically we donate: $50/kid to PTA $100/kid's extracurricular like cross-country, forensics etc. $100 to district foundation Countless dozens of...
by schnoodlemom
Mon Jul 27, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 3679

Re: Zions, Bryce, Grand Canyon Late March

We did something very similar Mar 30 - Apr 7, 2012 with 2 daughters (12 & 15). It was our first trip southwest, so we tried to cover a lot of ground. We stopped in Sedona, Zion, Page (Lake Powell & Glen Canyon Dam), Grand Canyon South Rim. We had hoped to make Bryce too but wanted an extra day in Zi...
by schnoodlemom
Fri Jan 10, 2014 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth in Money Market
Replies: 15
Views: 2430

Re: Backdoor Roth in Money Market

We just finalized our 2014 backdoor Roth contributions. This is our second year doing a backdoor, so maybe I have it wrong. We invested in a money market in the traditional IRA then exchanged for a target retirement fund in the Roth IRA. The amount of the initial investment and the exchange were the...
by schnoodlemom
Sat Jan 04, 2014 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Quicken users: manual entry vs. auto download
Replies: 12
Views: 3296

Re: Quicken users: manual entry vs. auto download

Long time Quicken user, I do both,automatic download and manual.Have always enjoyed working with the Program. :happy +1 for me. I edit my transactions when desiring further subcategories or detail and leave others to stand alone as automatically downloaded. Over the years my accounting has become m...
by schnoodlemom
Fri Oct 04, 2013 8:17 pm
Forum: Personal Consumer Issues
Topic: London and Paris Hotels
Replies: 48
Views: 5979

Re: London and Paris Hotels

Re: Hotel theft and pickpockets. We used the hotel safe for all our valuables, tipped the maids daily and left them thank you notes to encourage better service and goodwill. Besides our passports, cash and techno gear which fit in the safe, we didn't have much to tempt I think. We carried Travelon A...
by schnoodlemom
Thu Oct 03, 2013 11:50 am
Forum: Personal Consumer Issues
Topic: London and Paris Hotels
Replies: 48
Views: 5979

Re: London and Paris Hotels

This summer, we stayed 5 nights in London for "free" at London Marriott County Hall using up all our Marriott points. http://www.marriott.com/hotels/travel/lonch-london-marriott-hotel-county-hall/ We loved loved loved its central location and quiet refined atmosphere. Service was fabulous everywhere...
by schnoodlemom
Mon Aug 19, 2013 7:57 am
Forum: Personal Consumer Issues
Topic: Time=Money ... how to save time, even if it costs $
Replies: 17
Views: 2779

Re: Time=Money ... how to save time, even if it costs $

I'm trying very hard to be very selective about how much time I put into shopping for everyday stuff by limiting cost comparisons, couponing, special sales & loyalty programs. It's so easy for me to get overwhelmed anymore trying to be frugal. My head hurts sometimes with all the "save 50 cents when...
by schnoodlemom
Thu Aug 15, 2013 10:31 pm
Forum: Personal Consumer Issues
Topic: re: going to Bryce/Zion (and a bit of Vegas)
Replies: 42
Views: 4006

Re: re: going to Bryce/Zion (and a bit of Vegas)

My family of four really enjoyed our visit to Zion, staying at the Best Western just outside the park in Springdale. As it was April (spring break), it was somewhat busy, but not enough to hamper our enjoyment. With school in session in October, I think Zion would be fairly uncrowded, but am not sur...
by schnoodlemom
Fri Aug 09, 2013 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Cash Rewards Credit Cards
Replies: 76
Views: 155196

Re: Cash Rewards Credit Cards

I was hoping there was someone on this forum with an Amex rewards card and could confirm whether or not they received the grocery rewards amount when shopping at a Walmart or Target listed with a MCC code of 5411. I checked the link provided and our local Target came up with both codes (discount -5...
by schnoodlemom
Tue Jul 23, 2013 2:17 pm
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 6752

Re: Road trip: Chicago to Yellowstone

Jay22 - Check ahead for Yellowstone in November. I believe a lot of the park will be closed due to snow.
by schnoodlemom
Sun Jul 21, 2013 6:11 pm
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 6752

Re: Road trip: Chicago to Yellowstone

Lots of great advice! We've done a similar trip in June from SW Michigan with lots&lots of driving, but it was so worth it! If you could lengthen your time in Jackson Hole/Grand Teton without short-changing Yellowstone, I would. I absolutely love both! Grand Teton has so many great trails to hike. O...
by schnoodlemom
Sun Jul 14, 2013 4:08 pm
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 5169

Re: 2014 trip to Europe

We're not accomplished travelers, but I have a few comments based on recent experience. We just spent 5 days in London & 6 days in Paris using Eurostar (high-speed train) to travel between them, without need for rental car. For our transatlantic flight, we upgraded to Delta's Economy Comfort and enj...
by schnoodlemom
Sun Jun 02, 2013 4:10 pm
Forum: Personal Consumer Issues
Topic: France - Paris / Nice - Must do List
Replies: 92
Views: 9598

Re: France - Paris / Nice - Must do List

I'm not the OP, but thanks for all this great info! We're heading to London/Paris for 2 weeks in late June-early July. We're spending 5 nights in London, will travel by TGV to Paris, then 6 nights in Paris. The comment about Versailles on Monday being crowded because museums are closed, does that im...
by schnoodlemom
Mon May 06, 2013 11:25 am
Forum: Personal Consumer Issues
Topic: general (financial) advice about musical instruments/lessons
Replies: 109
Views: 10507

Re: general (financial) advice about musical instruments/les

What we did with our girls (currently 13 & 16), but not necessarily meant as advice per se: Both our girls went through an early childhood music program (weekly group lessons) from ages 4-7 where they learned to read music, played music games, got beginning piano instruction etc., then went to priva...
by schnoodlemom
Fri May 03, 2013 10:36 am
Forum: Personal Consumer Issues
Topic: Family Vacations: Your Favorites, ages + tips requested!
Replies: 31
Views: 4188

Re: Family Vacations: Your Favorites, ages + tips requested!

Our girls are currently ages 13 & 16. We started visiting the national parks when our youngest was 8 and capable of doing longer day hikes. By far my favorite family vacation was to Yellowstone & Grand Teton National Parks, Wyoming. We've been for two weeks in June two years in a row. I'm totally in...
by schnoodlemom
Thu May 02, 2013 8:00 am
Forum: Personal Consumer Issues
Topic: Vacation ideas in northern MI
Replies: 21
Views: 1696

Re: Vacation ideas in northern MI

We've visited Tahquamenon Falls (very pretty), had fun climbing up Sugarloaf mountain (fall color made for a gorgeous view) near Marquette and exploring along Lake Superior shoreline. If you're serious about Isle Royal start looking into ferries and lodging. We've not done it, but I think they limit...
by schnoodlemom
Mon Mar 25, 2013 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Planning for children
Replies: 18
Views: 1857

Re: Planning for children

If you're a dual income couple now, consider any change in income, expenses or healthcare benefits with a pregnancy, birth & childcare & project how your new budget will look. It can just be a rough draft, but it's good to plan ahead. Don't get discouraged as kids and families thrive on a wide range...
by schnoodlemom
Sat Feb 09, 2013 6:49 am
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 15665

Re: How do you find Mrs. Boglehead?

We met volunteering at a migrant clinic. I was a nursing student, he was a medical resident. We both had jobs and lived on our own, without any debt other than small car loans, so we understood how to live within our means, but we had very little in savings. We learned together about saving for reti...
by schnoodlemom
Sun Feb 03, 2013 11:12 am
Forum: Personal Consumer Issues
Topic: Why are the [Florida] Keys so expensive?
Replies: 29
Views: 10261

Re: Why are the [Florida] Keys so expensive?

Being a repeat visitor to Marathon, we've noticed a lot of business turn-over. I think that their tourism is very seasonal so they have to make the money when they can. They not only import goods, but they import labor as well. One business owner who had to down-size & change location to stay in bus...
by schnoodlemom
Fri Jan 18, 2013 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: How much money do you keep in your regular checking/savings?
Replies: 104
Views: 16403

Re: How much money do you keep in your regular checking/savi

Too much, because I keep thinking we're going to start a major remodeling project & pay as we go, but then we postpone it for months & months, okay, maybe a year or more. I would like to start moving some of it to iBonds & fully fund our Roth's for 2013, just to draw it down & not risk spending it w...
by schnoodlemom
Fri Jan 18, 2013 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Holding off 2013 I-Bond Purchase
Replies: 31
Views: 4878

Re: Holding off 2013 I-Bond Purchase

Thanks sscritic, it's obvious I need to do more reading. I was thinking of them like CD's or paper savings bonds.
by schnoodlemom
Fri Jan 18, 2013 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Holding off 2013 I-Bond Purchase
Replies: 31
Views: 4878

Re: Holding off 2013 I-Bond Purchase

Another I-bond newbie question, my apologies if this is the wrong place for it: Does anyone purposefully purchase in less than $10k increments, even though the total purchase is $10k on a single date? I would like to keep things as simple as possible regarding record-keeping, but have the potential ...
by schnoodlemom
Thu Jan 17, 2013 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Holding off 2013 I-Bond Purchase
Replies: 31
Views: 4878

Re: Holding off 2013 I-Bond Purchase

My total inexperience with I-bonds is showing here, but I need to ask: if you have an ISP that says you're going to invest $10k into I-bonds every year until you retire, but during a period of higher inflation you also sell older I-bonds to repurchase those with higher rates, have you not reduced th...
by schnoodlemom
Tue Jan 01, 2013 9:26 pm
Forum: Personal Consumer Issues
Topic: Florida Keys in Jan/Feb?
Replies: 26
Views: 6517

Re: Florida Keys in Jan/Feb?

We're currently vacationing in the Keys, in Marathon, to be exact. It's our sixth year here as a large extended family, usually New Year's week. We're staying in a rental home, with bikes & kayaks at our disposal, close to Sombrero Beach. Favorite activities of this year & past: biking, kayaking, be...
by schnoodlemom
Fri Aug 31, 2012 11:37 am
Forum: Personal Consumer Issues
Topic: New TV purchase
Replies: 23
Views: 2043

Re: New TV purchase

We had a nice solid oak wood TV cabinet for our old 27 tube TV cut down by a carpenter for our new 47 inch LED TV. We paid him $250, he did a wonderful job and we're really happy with the results. If I knew how to attach them or if it was okay with forum policy, I have before/after photos to share, ...
by schnoodlemom
Thu Jun 14, 2012 8:03 pm
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 9380

Re: Foreign film night recommendations.

I didn't know word foreign also means stuffy. NetFlix is currentiy streaming, Romantics Anonymous(Les Émotifs Anonymes) Director, Jean-Pierre Améris Cast, Benoit Poelvoorde, Isabelle Carré, Lorella Cravotta, Lise Lamétrie, Swann Arlaud, Pierre Niney. Love and chocolates may yet win the day in this ...
by schnoodlemom
Wed May 23, 2012 9:38 pm
Forum: Personal Consumer Issues
Topic: 50 things to do before the Sun goes down
Replies: 32
Views: 5074

Re: 50 things to do before the Sun goes down

Thank you to Mr. Ferri for starting the thread! Many of the bucket list items are either already my goals or are inspiring enough to add. Also, thank you to nisiprius for the Sabbaday Falls story. It's the reason I write #1 on my list. The only things I can think to add at the moment... - cultivate ...
by schnoodlemom
Sat Apr 21, 2012 2:56 pm
Forum: Personal Consumer Issues
Topic: yellowstone trip -stay in park or out of park?
Replies: 29
Views: 3191

Re: yellowstone trip -stay in park or out of park?

Both times we've been to Yellowstone as a family of four, we stayed in the park at Canyon village which is centrally located. We love to hike/explore all day as well, ate mostly from the general store offerings, since restaurant meals were pricey. Even if you stay in the park there's lots of driving...
by schnoodlemom
Mon Mar 26, 2012 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 285781

Re: Why does anyone use American Express?

We use both Amex Blue Cash Preferred and Delta Skymiles Platinum. For our family, both cards have far exceeded their annual fees in terms of cash back and the value of the companion certificate/free checked baggage. We also have a Capitol One No Hassle Rewards MasterCard (cash back with no annual fe...
by schnoodlemom
Thu Feb 09, 2012 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Amex Blue Preferred 6% back on groceries
Replies: 21
Views: 4113

Re: Amex Blue Preferred 6% back on groceries

I am unaware of any max.
by schnoodlemom
Mon Jan 23, 2012 6:14 am
Forum: Personal Consumer Issues
Topic: Meaning behind your username
Replies: 48
Views: 2546

Re: Meaning behind your username

Cracking up about "lovesift" and "chopmink"... but otherwise, I'm mom to 2 girls and 3 schnoodles. Schnoodles won!
by schnoodlemom
Fri Jan 20, 2012 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: docs (physicians): questions about your CME
Replies: 18
Views: 5417

Re: docs (physicians): questions about your CME

My husband's employer (non-gov, non-profit academic medicine) provides annually $2900 CME and $2300 Dues&Subscriptions for an Associate Professor/Clinical Faculty. He struggles to use all his budget because he often pays his way at conferences by giving talks. It becomes a use it or lose it benefit,...
by schnoodlemom
Mon Jan 16, 2012 8:18 am
Forum: Personal Consumer Issues
Topic: Braces - Orthodontic work
Replies: 13
Views: 1372

Re: Braces - Orthodontic work

Child 1: $ 4,370 for 18-24 months, traditional bands with invisalign retainer (upper) and permanent retainer (lower) at finish. Child 2: $ 5,470 for 24-30 months, 2-step process with expander, then into bands... process ongoing. Timing was middle school years (age 11-14). We offered to pay in full f...
by schnoodlemom
Thu Jan 12, 2012 7:49 am
Forum: Personal Consumer Issues
Topic: Do you own Apple products?
Replies: 114
Views: 8032

Re: Do you own Apple products?

Family of Four, all Apple users: 2 iMac's, 1 MacBook Pro, 4 iTouch's, 4 iPod Nano's. Luckily 2 iTouch's were bundled with medical references so legit business expense at a discount, 2 iTouch's came "free" with iMac/Macbook purchase. No smart phones in the family yet, still reliant on free Wi-Fi. Thi...
by schnoodlemom
Wed Jan 11, 2012 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Should I do something with my losses?
Replies: 16
Views: 1591

Re: Should I do something with my losses?

About 529s, I was reading Mutual Funds for Dummies and the author there was skeptical of 529s for two reasons 1) the child has full control of the money when they are 18 or 21 and we don't know yet if our child will be responsible at that age and 2) financial aid decisionmakers count money in the c...
by schnoodlemom
Tue Jan 10, 2012 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I setting up my budget right?
Replies: 20
Views: 2005

Re: Am I setting up my budget right?

CityOfAngels wrote:
schnoodlemom wrote:Are you covered for disability insurance by work as well?
yes I am, short term and long term
Good! Can't think of anything else at the moment... congrats on the new job!
by schnoodlemom
Tue Jan 10, 2012 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Am I setting up my budget right?
Replies: 20
Views: 2005

Re: Am I setting up my budget right?

Are you covered for disability insurance by work as well?
by schnoodlemom
Tue Jan 10, 2012 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Am I setting up my budget right?
Replies: 20
Views: 2005

Re: Am I setting up my budget right?

Health, dental, vision, car insurance, medical expenses, utilities, phone, gifting. Those are just some of the top off my head. Congrats at getting an early start on budgeting! :)
by schnoodlemom
Sun Jan 08, 2012 1:17 pm
Forum: Personal Consumer Issues
Topic: Quesitons about Hi E Washers--Whirlpool
Replies: 28
Views: 2441

Re: Quesitons about Hi E Washers--Whirlpool

Last March we purchased a set of Whirlpool Cabrio HE topload washer/dryer at Lowe's for a significant discount. We spent ~ $1200 for the pair, not including tax/warranty/parts/installation. IIRC, the markdown was from $999 to $599 each, maybe they were clearing out for next year's model. Our washer ...
by schnoodlemom
Sun Jan 08, 2012 8:56 am
Forum: Investing - Theory, News & General
Topic: Paying off the house by the end of 2012
Replies: 12
Views: 1165

Re: Paying off the house by the end of 2012

In a very similar situation, we just paid off our small mortgage 2.5 years early ($35k left on house valued around $200k). The way we analyzed it was that the amount of interest left due on the mortgage surpassed the interest income that amount would earn us in a savings account at today's low inter...
by schnoodlemom
Sat Jan 07, 2012 7:58 pm
Forum: Personal Consumer Issues
Topic: how many languages do you speak?
Replies: 36
Views: 2412

Re: how many languages do you speak?

My native English & French (near fluent, 8 years in high school/college, 6 months study abroad, travel, continued interest) I voted only 2, though know a fair amount of Spanish/less so Italian since they're close to French language and have traveled in countries where spoken. Sometimes I think about...
by schnoodlemom
Thu Jan 05, 2012 11:28 am
Forum: Personal Consumer Issues
Topic: What files to keep / scan long-term?
Replies: 9
Views: 1126

Re: What files to keep / scan long-term?

Receipts for warrantied items and accompanying paperwork if any.
by schnoodlemom
Wed Jan 04, 2012 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Cards, 2012 edition
Replies: 30
Views: 4674

Re: Best Credit Cards, 2012 edition

SPG8 wrote:...How does the cash back work? After $25, will they credit the account?

Thanks


Redeem your Reward Dollars for statement credit, gift cards or merchandise for AmEx Blue Cash.
by schnoodlemom
Wed Jan 04, 2012 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Cards, 2012 edition
Replies: 30
Views: 4674

Re: Best Credit Cards, 2012 edition

We also use AMEX Blue Cash Preferred on most purchases for reasons stated above. We have Capitol One No Hassles Rewards MasterCard when AMEX is not accepted. (This may change in the future but we still like its no annual fee, no foreign transaction fees, easy cash redemption. It's no longer availabl...
by schnoodlemom
Thu Dec 29, 2011 11:27 pm
Forum: Personal Consumer Issues
Topic: Unexpected Gifts; fun post holiday question
Replies: 7
Views: 734

Re: Unexpected Gifts; fun post holiday question

We like to gift our outgrown but still in good condition sporting goods to people we know who have younger kids... bikes, skis, burley, jogging stroller, sleeping bags, etc. We've also been on the receiving end with ski equipment, clothes, electronics. Gifting to people you know, freecycle and donat...
by schnoodlemom
Thu Dec 29, 2011 6:53 am
Forum: Personal Consumer Issues
Topic: Four Slice Toaster
Replies: 33
Views: 3082

Re: Four Slice Toaster

We have a Krups Sensatoaster Deluxe 4-slicer with never a problem. My husband thinks it's our second toaster but we can't remember when we replaced the first and the circumstances. (It may have been an upgrade or color change.) We married 17 years ago and bought our house 14 years ago. As a family o...
by schnoodlemom
Mon Dec 12, 2011 6:18 pm
Forum: Personal Consumer Issues
Topic: Do Bogleheads hire maid services?
Replies: 47
Views: 4062

Re: Do Bogleheads hire maid services?

For us, we had a biweekly cleaning lady when I had a high risk pregnancy, as well as, infant, toddler, & elder care overload for about 2 years. Otherwise, our mess is our own and we have a wonderful love/hate relationship going! :)
by schnoodlemom
Wed Dec 07, 2011 8:58 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 27047

Re: How to Die

biasion -- I really appreciate your sharing of this article. I've given a lot of thought to end-of-life care having witnessed my own mother and 2 grandparents die peacefully in hospice care after prolonged illnesses and currently making healthcare choices for another grandmother also in hospice care...