Search found 39 matches

by Mom 2 Groms
Mon Sep 10, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1902

Re: Good photo book printer for image quality

I use Picaboo. I like that I can choose all of the options for the photo books, and not have to use a predetermined layout or number of pages. They also have a layflat option, and very thick pages. They monitor the resolution, so if you are zooming too much in a picture the site will tell you that t...
by Mom 2 Groms
Sat Sep 01, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2470

Re: Home Audio Advice

Thanks all! I will update the post with what the guys suggests after they come out. I really do need the speakers in the wall for my indoor use. I have an open floor plan and don't have room to put speakers anywhere but the walls. The Best Buy house call is free. I'll be clear with what my expectati...
by Mom 2 Groms
Fri Aug 31, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2470

Re: Home Audio Advice

Four speakers? Maybe two front and two rear? Yes, we have two in the front of the room and two in the back of the room. Currently, we have a cheap wireless subwoofer and soundbar. I would not couple that with your cheap wireless subwoofer -- unless your sole objective is appearance and not sound qu...
by Mom 2 Groms
Fri Aug 31, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2470

Re: Home Audio Advice

So, have you already purchased the 8 speakers (4 inside, 4 outside)? And what TV do you plan on using? Any other details as to what the installation services will cover? Like actually hooking them all up and testing that they all work? An amp by itself won't be all that you need if you plan on an a...
by Mom 2 Groms
Fri Aug 31, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2470

Re: Home Audio Advice

As to using an iPad, I'm not sure how that would work. It could be a source for music, but turning an amp on or off with that and adjusting the volume would make it more complicated. There are apps for that, but you'd need hardware also (to send IR signals to the amp, cable box or whatever). I'm no...
by Mom 2 Groms
Fri Aug 31, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2470

Re: Home Audio Advice

daveydoo wrote: Fri Aug 31, 2018 4:29 pm
Four speakers? Maybe two front and two rear?
Yes, we have two in the front of the room and two in the back of the room. Currently, we have a cheap wireless subwoofer and soundbar.
by Mom 2 Groms
Fri Aug 31, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Home Audio Advice
Replies: 28
Views: 2470

Home Audio Advice

Background: When we built our new construction home, we had the builder pre-wire for speakers. There are 4 place holders inside and 4 place holders outside on our patio. There was also some pre-wiring done for the control panel for these speakers. We would also like these speakers to be able to hook...
by Mom 2 Groms
Fri Aug 10, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Car Donation
Replies: 12
Views: 1273

Re: Car Donation

We donated our used minivan to our church. We asked them if they knew of a good charity to donate to because previously we had a visitor come in who ran a group home. They were asking for financial donations, and also if anyone had a van they would donate. We weren't ready at that time to get rid of...
by Mom 2 Groms
Thu Aug 09, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2668

Re: First time taking kids to airport..

I'm not sure if you need a bag/carrier to put your carseats into, but they might be easier to carry. I know for us, it was easier to carry the bag with a handle rather than the bulky awkward seat with belts dragging behind. We have not taken an uber with car seats. We have been picked up by family m...
by Mom 2 Groms
Tue Jul 31, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 608
Views: 146905

Re: Money saving ideas?

I teach Financial Peace University with my DH at our church. This is a list of ideas that we put together to help our classes cut their budgets to achieve their goals. 1. Make your own cleaning supplies 2. Cut your family’s hair 3. Use cloth napkins and kitchen rags 4. Meal plan, and utilize the lef...
by Mom 2 Groms
Thu Jul 12, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 6559

Re: New construction: financing fell through, builder won't return deposit/earnest $

I would take a different approach. Since you're not ready to close on a house now, and you've paid a deposit, and you seem to like the product this builder is selling... I would enter into another contract to build a new home with them. If the construction hasn't started yet, it will take months to ...
by Mom 2 Groms
Tue Jul 10, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 3571

Re: Management at Megacorp

You mention the 7% base increase, but what about bonus opportunity? Do you have a target bonus amount or percentage? Also, does your company give out equity? Often times people focus only on the base increase without researching or inquiring about these other components, which are often tied to pay...
by Mom 2 Groms
Tue Jul 10, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 3571

Re: Management at Megacorp

What is "management"? How do the duties of management differ from the responsibilities of non-management? It would help if you told us what function you're in. In my team at MegaCorp, you don't have anyone reporting to you until you get to the Director level, at which point you're 7-10 ye...
by Mom 2 Groms
Tue Jul 10, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 5037

Re: Flooring for New House

We have built two houses in the past 6ish years. I'm not sure the exact type of product we put down on the floors - it was some kind of engineered wood. In the first house - the floor installed was snap in. I hated it. It sounded hollow with every step we took in the house. There were other quality ...
by Mom 2 Groms
Tue Jul 10, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 3571

Re: Management at Megacorp

Thank you for the advise! I now realized I left off some details. -Raise would be 7% going into management. It would take my 8-5 job and turn it into 100% on call all the time, with expectations to work 10-15 hours on the weekends, and a few hours every night at home. These are sacrifices I'd be wil...
by Mom 2 Groms
Tue Jul 10, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 3571

Management at Megacorp

I'm interested in going into management. I'm just not interested in going into management at my current company. I'm looking for advise on how to proceed. I accepted a position at this company 4 years ago, and have been approached by several people in and out of my org chart that have encouraged me ...
by Mom 2 Groms
Thu Jun 28, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Professional Development
Replies: 8
Views: 1234

Re: Professional Development

I sharpen my excel skills by using google. I search "how do you ___ in excel" and I usually go with the Mr. Excel result. I'm an analyst in my profession, so I might not be the norm who uses excel. I find the classes to be too generic and broad, and I don't walk away with any new skills. I...
by Mom 2 Groms
Thu Jun 21, 2018 8:48 pm
Forum: Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 29
Views: 4034

Re: Grandparents requested our help to manage $300K

Thanks all! 2 copies of the book are on order now. I have to call the guy.. but thanks for the warning on how he should react. I've decided to change my approach and ask some softball questions, and then go back to my grandparents and tell them that I talked with him, and I'm not comfortable with hi...
by Mom 2 Groms
Thu Jun 21, 2018 4:43 pm
Forum: Personal Investments
Topic: Grandparents requested our help to manage $300K
Replies: 29
Views: 4034

Re: Grandparents requested our help to manage $300K

Hello! I'm Beach's wife and I have an update. Good News - They bought a boat, and are very excited about it. We're happy for them. Bad News - They've been going to "Financial Seminars" :oops: I had no idea people set these things up to take advantage of old people. They really are a target...
by Mom 2 Groms
Wed May 24, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 5336

Re: Advice on kid's precalc learning

Could you see if there was a student in his class that he could work with? When I was in HS, my algebra teacher taught for about 15 minutes of each 1 1/2 hour class. He gave us the rest of the time as free time. As students, we all used it to talk/socialize. When I realized that my friends were not ...
by Mom 2 Groms
Thu May 18, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1817

Re: Paying balance of costly ambulance ride

A few weeks ago I suffered a pretty serious injury during a sporting event I was playing in. I'm surprised that the league you are playing in does not have insurance to cover injuries sustained while in play. DH was injured while playing in an adult soccer league, and the insurance through the leag...
by Mom 2 Groms
Fri Apr 07, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 4272

Re: STEM & "coding" toys for little ones ?

I would just like to add that if you do decide to go Lego/Duplo, be sure to get the name brand. There is a very noticeable difference in the way that the pieces fit together between Legos and off brand. The off brand kits (we've had a few different brands) fall apart easily, and they are hard to put...
by Mom 2 Groms
Fri Apr 07, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 5327

Re: Budgeting vs Tracking Expenses?

Why do you need to allocate $175 to car repairs? Will you spend the money otherwise? Do you not have enough in your savings account to cover the car repairs? For us, its mental. Before we budgeted - we had enough money, but I felt guilt every time we had to pull from savings. Now I am able to spend...
by Mom 2 Groms
Thu Apr 06, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 5327

Re: Budgeting vs Tracking Expenses?

I think its also important to have a complete budget. This means, you know that your car will need new tires, or the AC will break, and you need oil changes. These expenses don't happen every month, but we save $175/month for car maintenance and repairs. When our AC broke in the fall and we didn't ...
by Mom 2 Groms
Thu Apr 06, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 4272

Re: STEM & "coding" toys for little ones ?

My boys are 6 and 4, and there were a lot of great suggestions above. The items already mentioned that my kids love are: Lego sets Rummicube Uno Tangrams (both an app and the Melissa and Doug one) Puzzles Math comes naturally in our house a lot.. We make 12 cupcakes, and each eat 1 (total of 4). Whe...
by Mom 2 Groms
Wed Apr 05, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Trust, POA, or something else?
Replies: 3
Views: 444

Re: Trust, POA, or something else?

Just a few (incomplete) ideas and thoughts: 1. I would NOT recommend that they actually give you the $300k 2. Perhaps set up account(s) for the $300k (still in their name) but that you manage, perhaps with a durable, general PoA. Have statements sent c/o you so they would have to go through some ef...
by Mom 2 Groms
Wed Apr 05, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Trust, POA, or something else?
Replies: 3
Views: 444

Trust, POA, or something else?

I was recently approached by my grandparents to manage some of their money for them. They want me to act like a gatekeeper to their money, and tell them when they are making bad decisions so that they don't blow through what they have. My grandparents are entrepreneurs who know how to make money, an...
by Mom 2 Groms
Thu Mar 30, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 5327

Re: Budgeting vs Tracking Expenses?

We use YNAB to budget and track expenses. I found that it completely changed my perspective on budgeting, and also changes our behavior. To me, there are 3 important aspects of a zero based budget. You have to plan (allocate), track (actuals), and then there's what's left to spend. All 3 have import...
by Mom 2 Groms
Thu Feb 16, 2017 12:28 pm
Forum: Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 1128

Re: Portfolio Review, Recent Windfall

I understand that you believe we should simplify Her 401k. Does this mean future contributions, or liquidating current holdings and re-classing to the simplified plan? Is only holding a target date adequate?
by Mom 2 Groms
Thu Feb 16, 2017 10:39 am
Forum: Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 1128

Re: Portfolio Review, Recent Windfall

One question: for her 401k, why does she have so many funds, including two versions of the Target Date fund? The TD funds already include international and domestic stocks, as well as bonds (though not inflation indexed.) When I originally allocated my contributions for my 401K, diversification was...
by Mom 2 Groms
Thu Feb 16, 2017 10:30 am
Forum: Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 1128

Re: Portfolio Review, Recent Windfall

After submitting the post, the spacing is all messed up.. any tips on how to fix that so its easier to read?
by Mom 2 Groms
Thu Feb 16, 2017 10:28 am
Forum: Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 1128

Portfolio Review, Recent Windfall

We just received a windfall and a lot of cash is sitting in our checking account as we try to figure out the wisest way to allocate it. Thank you in advance for having a look at our situation. We've been following Dave Ramsay's baby steps for awhile, and have been lurking/mildly participating in thi...
by Mom 2 Groms
Tue Feb 14, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 8953

Re: Kitchen cabinets

We just built our home and we have white cabinets. They do get dirty, but like a PP, I like seeing it so that I can clean it. I referenced this lady's website a lot when I was having a hard time making design choices. She says to go with classic and timeless, and then she helps define it for each ro...
by Mom 2 Groms
Tue Jan 17, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking our expenses
Replies: 40
Views: 3781

Re: Tracking our expenses

I use Banktivity, it's Mac only and strikes a good balance between ease of use and power. http://www.iggsoftware.com. It's made by some x Intuit folks. Curious if anyone uses something like 360 Financial View or Fidelity's Full View which can do the same thing and is free for those who have account...
by Mom 2 Groms
Tue Jan 17, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Tracking our expenses
Replies: 40
Views: 3781

Re: Tracking our expenses

We also use YNAB and recommend it to everyone that we talk finances with IRL. We have YNAB4, so it doesn't sync to accounts online, but with the new version syncing is optional.
by Mom 2 Groms
Sat Jan 14, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Car Purchase
Replies: 26
Views: 2624

Re: New vs. Used Car Purchase

Thanks all! I appreciate all of the new perspective that you've given me. To be honest, we weren't going to consider new until we saw how expensive the used ones are. There's a used 2013 for sale near us for $31K. Its the base model with a few upgrades. We need the towing capacity for yard supplies,...
by Mom 2 Groms
Fri Jan 13, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Car Purchase
Replies: 26
Views: 2624

Re: New vs. Used Car Purchase

You should not invest any money in the stock market if you plan to spend that money within 5 years. Some people even suggest that 10 years is a better length of time. Yes, you do not want to miss market gains. However, the market goes both directions and you do not want to have to withdraw when it ...
by Mom 2 Groms
Fri Jan 13, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Car Purchase
Replies: 26
Views: 2624

Re: New vs. Used Car Purchase

Thanks! We are big Dave fans :) The extra cash we have after purchasing our new car will go into a "house fund" that we are going to invest in a few mutual funds. We will contribute our monthly snowball to the fund and use it to pay off our mortgage when the balance is large enough. I like...
by Mom 2 Groms
Fri Jan 13, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Car Purchase
Replies: 26
Views: 2624

New vs. Used Car Purchase

Hi All, I'm new to this forum and would really appreciate any thoughtful feedback you can provide us with. My Husband and I are considering purchasing a new to us vehicle, and we aren't sure which option would be the best financial move for the long haul. I have searched this topic for a few days, b...