Search found 32 matches

by SheReadsHere719
Thu Mar 23, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 933

Re: Need help with info about Portland

Depends on where the wedding is, but my 2 recommendations would be: 1. Hotels downtown, paid mostly on points because they can get pricey during the summer season. Walkable to the MAX (lightrail), all the shopping (no sales tax!), restaurants and more. Make sure to minimize the # of cars you rent be...
by SheReadsHere719
Tue Mar 21, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 1884

Re: Anyone use coupon apps?

I had a similar issue with a gift card in late 2014/early 2015. I emailed them immediately; the refund took about a week to go through, but it did post. Their responsiveness is a main reason I check their site first over other GC sites. If you got a bad card, I recommend contacting them right away.
by SheReadsHere719
Wed Mar 15, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 1884

Re: Anyone use coupon apps?

Cardpool has target gift cards at 6.5% off so I don't bother with the target redcard anymore unless I'm ordering something online where they don't accept gift cards. Plus I can buy those with a 2% CC and get 2% back through topcashback so its really 10.5%. +1 for TopCashBack -> Cardpool. I use this...
by SheReadsHere719
Tue Mar 14, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 1884

Re: Anyone use coupon apps?

Nyc10036 wrote: Ebates....They pay out quarterly.


+1 for eBates, especially if you travel - the small %s can really add up!
by SheReadsHere719
Tue Mar 14, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 1884

Re: Anyone use coupon apps?

Coupon apps are all about how much time you’re willing to spend and how fun you think it is. You won’t be rolling in dough from these, but they certainly add up over time. That being said, here are my recommendations that don't require store loyalty cards: *the Cartwheel app for Target. You can scan...
by SheReadsHere719
Mon Mar 13, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to tackle fiancee's student loan debt
Replies: 33
Views: 2506

Re: How to tackle fiancee's student loan debt

Sounds like you and your fiancée are off to a good start: no law school loans and low monthly expenses. Even better that you’re on the same page about paying down her debt. A few thoughts below: *If she will be in school until spring 2019 and you won’t begin full-time work for another 6-7 months, I ...
by SheReadsHere719
Mon Mar 06, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15512

Re: Possibly Financially Independent and Feeling Miserable

Quite simply, the higher our net worth increases, the tighter I want to hold on to it, the less happier I seemingly become, and the more I dislike myself and who I have apparently become. Although I know her investing philosophy is not 100% Boglehead, Suze Orman’s book The 9 Steps to Financial Free...
by SheReadsHere719
Mon Mar 06, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 3560

Re: How much do you spend on "stuff" for kids?

In general they will ask for stuff often, but the answer is usually "no" and they really do not persist or pout, and move on very quickly. ..... Books is actually the big spend category at $900. DD is a voracious reader and DS is getting there. Between Amazon, 3 library sales and some boo...
by SheReadsHere719
Mon Mar 06, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 6923

Re: How much do you spend on food in a year?

Just two of us, we're foodies, so higher than average and we could cut back (we could spend a lot more too). In 2016 we totaled $14.1K. * Food & liquor - $7.8K * Dining out - $6.3K (we dine out every Sat & Sun) Our total is almost exactly the same; includes groceries, all meals out includin...
by SheReadsHere719
Sat Mar 04, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early??? Possible?
Replies: 16
Views: 2134

Re: How to retire early??? Possible?

jjface wrote:Read up on roth conversion ladders.


Mad Fientist has a helpful article about this: http://www.madfientist.com/retire-even-earlier/
by SheReadsHere719
Fri Mar 03, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What the heck - student loans vanquished over here too!!
Replies: 9
Views: 1099

Re: What the heck - student loans vanquished over here too!!

Texanbybirth wrote:So cool! :beer

(It's like the debt payoff fairy year-end bonus fairy has sprinkled her dust extra heavy around here today. There are some serious amounts of debt being vanquished.)


There, fixed that for you :D (to be sure, I benefited from her too!). Congratulations guitarguy!
by SheReadsHere719
Fri Mar 03, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Path to Financial Health
Replies: 4
Views: 424

Re: Path to Financial Health

This seems like a sensible plan of action – you are a good friend for helping! Some suggestions: 1) Swap #4 and #6. Once you open that CapitalOne savings account (also a fan of their online interface), make sure your friend has a solid Emergency Fund established before proceeding with the next steps...
by SheReadsHere719
Sun Feb 26, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 495
Views: 118936

Re: Share your net worth progression

Tracking net worth since 2012 thanks to Mint. All figures given are year-end.

2012 (graduated college): -$12k
2013: $4k
2014: $14k
2015: $37k
2016: $68k

Keys: salary increases + tracking in Mint + Bogleheads.
by SheReadsHere719
Thu Feb 23, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 90
Views: 11082

Re: What are the big things to get right?

1. Analytical mind, life-long learning, strong decision-making ability. Without these skills everything else can fall apart. +1 Even more basic and fundamental than many of the excellent responses: know where your money is going. I think the ‘daily latte’ factor oftentimes gets discussed on other w...
by SheReadsHere719
Thu Feb 16, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 3284

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Roth IRA (~max'd out 2016 at $3700) If your gross is $105,000, you can max out your Roth IRA for 2016 at $5,500. You have until April 2017 to contribute the remaining $1,800; just make sure to specify that it's for the 2016 tax year. Since you're approaching the $117,000 income limit phase-out, I w...
by SheReadsHere719
Thu Feb 16, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Looking at a refurbished iPhone
Replies: 5
Views: 619

Re: Looking at a refurbished iPhone

I bought a refurbished iPad late last year and have had no issues. bluebolt is right; they do come with 1 year of AppleCare. My 2 pieces of advice: 1) Buy the iPhone on a good credit card (CSP/CSR, Amex, etc.) that has warranty and purchase protection in case you get a lemon. 2) Go through eBates to...
by SheReadsHere719
Wed Feb 15, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3777

Re: How do you handle switching your handbag?

I have an in-bag purse organizer from the Container Store (link: https://www.containerstore.com/s/travel/clothing-accessories-organizers/in.bag-navy-aqua-tile-purse-organizer/12d?productId=11003240). I can fit the majority of my items in it, and seamlessly transfer between handbag and work backpack ...
by SheReadsHere719
Thu Feb 09, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 37
Views: 3337

Re: Financial Movies and Shows

Reviving this thread - Billions just finished its first season on Showtime; one of the creators is Andrew Ross Sorkin, who wrote Too Big to Fail. Excellent acting.
by SheReadsHere719
Wed Feb 08, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Airport for Tampa Area
Replies: 9
Views: 953

Re: Airport for Tampa Area

Not a dumb question; PIE is the St Pete/Clearwater airport (http://www.fly2pie.com/), which is a small, mostly regional airport. TPA is Tampa International, the larger hub. I would recommend looking at hotels in St. Pete rather than Tampa if you're trying to stay nearby.

Hope that helps!
by SheReadsHere719
Wed Feb 08, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: London & Prague recommendations
Replies: 15
Views: 1162

Re: London & Prague recommendations

For London: I recommend the Rick Steves guidebook. He has some excellent self-guided tours through the larger museums that give you the ‘best of’ highlights without having to wander all day. You can walk + take the Tube to everything listed below. Museums: *Tower of London & the crown jewels *Ta...
by SheReadsHere719
Tue Feb 07, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2564

Re: Napa/Sonoma Recommendations

My favorites (all Sonoma County): Town of Sonoma: 1. Gundlach Bundschu 2. Bartholomew Park 3. Ravenswood 4. Buena Vista winery Healdsburg (+1 for Bear Republic): 1. Meeker 2. Seghesio 3. Pezzi King Kenwood: 1. Kenwood winery 2. Ledson 3. Kunde And another +1 for not driving to all the tastings; ther...
by SheReadsHere719
Sun Feb 05, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 66
Views: 6228

Re: Cord cut strategy for young family

To address question #2 (Apple TV + iPad): I have the same setup, and use AirPlay to stream content from my iPad onto my TV via Apple TV. (how to: https://support.apple.com/en-us/HT204289). I use it mostly for Amazon Prime, but if you subscribe to Hulu (or some of the other networks listed with an ap...
by SheReadsHere719
Mon Jan 23, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRA recharacterization
Replies: 7
Views: 572

Re: IRA recharacterization

I posted this in another thread as well, but if you and your wife are married filing jointly and your MAGI is $128,000, you’re under the Roth contribution limit for 2016 ($128,000 < $184,000): https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-ca...
by SheReadsHere719
Fri Jan 20, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to get on track
Replies: 35
Views: 2398

Re: Trying to get on track

Echoing bloom2708 on 2 points: 1) Frugal Woods is a wonderful blog for learning about reducing spending. You’re 100% on the right track by using Mint and tracking your expenses; that’s a commendable first step that should not be overlooked. 2) Unless I’m misreading your original post, your AGI is $1...
by SheReadsHere719
Thu Jan 19, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 5633

Re: Medical Billing Disagreement - Stark Law

Disclaimer: I work with facility billing rather than professional billing, so please take my advice with a grain of salt. The office manager, however nasty, is correct: once a charge is incurred, it’s not something that can be removed from a bill in a compliant fashion. There are a few exceptions, b...
by SheReadsHere719
Tue Jan 17, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Florida (Advice Requested)
Replies: 22
Views: 1835

Re: Vacationing in Florida (Advice Requested)

*Another +1 for the Dali Museum and the Columbia restaurant in Ybor City. *The Tampa Museum of Art has consistently great exhibits, as well as spaces and exhibits for children. The Leepa-Rattner Museum is also excellent. *Tarpon Springs is a historic dock town known for sponge-diving and Greek immig...
by SheReadsHere719
Sun Jan 15, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Best Flight Deals
Replies: 6
Views: 1485

Re: Best Flight Deals

If you have some flexibility in the destination and dates, I highly recommend The Flight Deal. It's a daily newsletter email with a roundup of all the best flight deals for the day. I was able to book continental US to the UK for $375 round trip (also off-season). It's also ideal because it only tel...
by SheReadsHere719
Fri Jan 13, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 1009

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

I use a combination of pieces from the Rubbermaid Easy Lid set (plastic, BPA free) and the Pyrex storage containers with lids (glass). I use a neoprene lunch box; it's stretchy, so you can fit lots of food, and machine-washable in case something leaks.
by SheReadsHere719
Wed Jan 11, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4322

Re: Keeping kitchen knives sharp

Another +1 for for the 2-stage knife sharpener for interim touch-ups. I also go to Sur La Table once or twice a year for a professional sharpening. They frequently offer a BOGO deal on sharpening chef's knives, especially around the holidays, so it comes out to $5 for both. Between the interim, at-h...
by SheReadsHere719
Tue Jan 10, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17046

Re: Best Financial Moves You've Made

** I will also second others who recommend tracking! Very helpful to understand my take-home pay, annual expenses, and net worth.
by SheReadsHere719
Tue Jan 10, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17046

Re: Best Financial Moves You've Made

Still very early on in my career, but the main items that come to mind: * Opened a credit card at age 18 to build my credit history + score. Avoided carrying a balance and pay it off in full every month. * Completed undergrad with a manageable amount of student loans, albeit high-interest ones. Dedi...
by SheReadsHere719
Fri Jan 06, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Mini Vacation to Mexico City
Replies: 5
Views: 583

Re: Mini Vacation to Mexico City

Another great choice is Coyoacan; a more artsy neighborhood where Frida Kahlo's house is located. It's a bit further south, but a nice area similar to Polanco/Condesa, close to the Metro, and filled with good food spots.

Enjoy your trip!

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