Search found 170 matches

by IowaFarmWife
Sat Nov 09, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5191

Re: Honda CRV, Accord, or Toyota RAV? And the winner is....

And the winner is....


Honda HRV!

She decided to lease a new HRV for $200/month versus buying new.

Thank you for all of your help an input, I did share your opinions with her.
by IowaFarmWife
Sun Oct 20, 2019 8:44 am
Forum: Personal Investments
Topic: New Savings and Checking Options
Replies: 22
Views: 1938

Re: New Savings and Checking Options

BankFirst in Nebraska and Iowa offers 2.5% interest on checking accounts if you have direct deposit, agree to paperless statements, and make 10 debit card purchases per month.
by IowaFarmWife
Sat Sep 07, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7459

Re: Mensa membership

I don't need Mensa, since I've been told many times I'm a genius. As in, "Way to go, genius." LOL, me too! Hubby had his IQ tested a few years ago, and he has a 145. Whenever he starts cussing, I tease him that with his high IQ, he could certainly try to come up with some more sophisticated words. ...
by IowaFarmWife
Fri Aug 30, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3380

Re: Side Hustle

wmackey wrote:
Fri Aug 30, 2019 12:40 pm
I fell in to an Adjunct Professor role at a large school. One course in the Fall and one in the Spring. I enjoy it and the extra money is nice.
My husband does this, too. He is teaching a few law classes at the local college in the evenings.
by IowaFarmWife
Fri Aug 30, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3380

Re: Side Hustle

I am an Speech Language Pathologist currently working full time in schools, and for a few years I contracted out with some of the local rehab companies and worked in long term care facilities providing speech services in the evenings. It paid well (mileage plus $50/hr). However, I did have four you...
by IowaFarmWife
Thu Aug 29, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3380

Re: Side Hustle

I am an Speech Language Pathologist currently working full time in schools, and for a few years I contracted out with some of the local rehab companies and worked in long term care facilities providing speech services in the evenings. It paid well (mileage plus $50/hr). However, I did have four youn...
by IowaFarmWife
Tue Aug 27, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15451

Re: Best of Bogleheads - your #1 takeaway

I've learned a lot from this forum over the past two years, but the things that stick out in my mind are: 1) invest early and often 2) a simple portfolio is fine (you only need a few funds) 3) don't stock pick 4) you don't need to spend money on a lot of "stuff" to make you happy 5) invest in low co...
by IowaFarmWife
Tue Aug 27, 2019 4:06 pm
Forum: Personal Investments
Topic: Bond Fund Question
Replies: 6
Views: 692

Re: Bond Fund Question

Following.
by IowaFarmWife
Tue Aug 27, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1135
Views: 127168

Re: What frugal thing did you do today?

tooluser wrote:
Mon Aug 26, 2019 8:55 pm
IowaFarmWife wrote:
Mon Aug 26, 2019 11:47 am
I made egg salad sandwich for lunch, using our own farm fresh eggs, and a peach that was on sale this week. Very good, too! Oh yea, and skipped breakfast again.
Peaches in egg salad... :confused
Nope. :D Sliced a peach and had it as a side dish.
by IowaFarmWife
Tue Aug 27, 2019 6:08 am
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5191

Re: Honda CRV, Accord, or Toyota RAV? UPATE

My mother went and test drove a new CRV, Honda HRV, Highlander, RAV4, and a Subaru Impreza. Right now leader is the HRV. She said that the RAV4's dashboard was too confusing, and she felt like she was trying to fly a small plane with the fancy control panel. The Impreza was difficult to get in and ...
by IowaFarmWife
Mon Aug 26, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5191

Re: Honda CRV, Accord, or Toyota RAV? UPATE

My mother went and test drove a new CRV, Honda HRV, Highlander, RAV4, and a Subaru Impreza. Right now leader is the HRV. She said that the RAV4's dashboard was too confusing, and she felt like she was trying to fly a small plane with the fancy control panel. The Impreza was difficult to get in and o...
by IowaFarmWife
Mon Aug 26, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Technology in K-8 Education
Replies: 51
Views: 1902

Re: Technology in K-8 Education

[/quote] Thanks for the suggestion, but unfortunately this is not an option in our area. There is a Catholic classical home school hybrid program in our area (2 days a week at school and the rest at home), but I don't think home school is the right approach for our family for a variety of reasons. A...
by IowaFarmWife
Mon Aug 26, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1135
Views: 127168

Re: What frugal thing did you do today?

I made egg salad sandwich for lunch, using our own farm fresh eggs, and a peach that was on sale this week. Very good, too! Oh yea, and skipped breakfast again.
by IowaFarmWife
Sun Aug 25, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Technology in K-8 Education
Replies: 51
Views: 1902

Re: Technology in K-8 Education

What is the alternative - are there schools you are considering that don't have a high focus on technology? If not what are you trying to decide? Home school vs. attending a school? There are a variety of options available: - public schools - private Catholic schools with a technology focus - chart...
by IowaFarmWife
Sun Aug 25, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2144685

Re: U.S. stocks in free fall

AerialWombat wrote:
Sun Aug 25, 2019 1:13 pm
scsiguru wrote:
Sun Aug 25, 2019 6:48 am
60/40 and enjoying my pumpkin spice latte... :D
LOL. 30/70 and enjoying my vodka Red Bull. :sharebeer
Let me share some of my avacado toast with both of you. :D
by IowaFarmWife
Sun Aug 25, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1135
Views: 127168

Re: What frugal thing did you do today?

Our pear tree has over 500 pears on it so we've been eating them, gifting them, and dehydrating them with cinnamon. Apple tree is loaded as well and they'll be ready next week. I'll be making apple sauce, butter, and dehydrating those for apple chips. Plenty to share. This is the first year I've at...
by IowaFarmWife
Sat Aug 24, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1135
Views: 127168

Re: What frugal thing did you do today?

I ate store brand cereal with blueberries for supper tonight. Both were purchased on sale. Often I will do the following, mostly for health benefits: Breakfast like a king/queen Lunch like a prince/princess Supper like a pauper Ha! Since I started "Intermittent Fasting" a few weeks ago, breakfast h...
by IowaFarmWife
Sat Aug 24, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5191

Re: Honda CRV, Accord, or Toyota RAV?

Thank you all for your advice. I will share this information with her tomorrow. It sounds like she is going to go shopping on Monday....I'm curious to see what she ultimately decides on purchasing! Good luck to her on the purchase------if you can, circle back and let us know what the purchase decis...
by IowaFarmWife
Fri Aug 23, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5191

Re: Honda CRV, Accord, or Toyota RAV?

Thank you all for your advice. I will share this information with her tomorrow. It sounds like she is going to go shopping on Monday....I'm curious to see what she ultimately decides on purchasing!
by IowaFarmWife
Fri Aug 23, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5191

Honda CRV, Accord, or Toyota RAV? UPDATE

Af few weeks ago, my 82 year old mother was in a car accident (not her fault), and is in need of a new(ish) car. The other driver's insurance company gave her $4300.00 toward the purchase of a new car, and she would like to make a purchase soon as possible because she has been without a car since th...
by IowaFarmWife
Sun Aug 18, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 7233

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

Thanks everybody. I don't like credit cards but for safety I will use one. One to make it simple each month. I have a 2% card but the safety is worth more than the 2% to me. I still like Dave Ramsey's thinking also of using your own money instead of the banks. If a person was late the penalty could...
by IowaFarmWife
Mon Aug 12, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 5240

Re: Ideas for Little Charges to keep Cards active

Twice I year I take all the "sock drawer" credit cards out and use them to make a small addition to my Amazon Gift Card balance. Some random amount between $4 and $5 per card. I know that I'll be buying something from Amazon in the future so it is like putting money in the bank (without interest). ...
by IowaFarmWife
Sat Aug 10, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3165

Re: Checking credit card statements

I used to check them religiously, but I now have every credit card set up to send me either an email and/or text message every time the card is used, so I am immediately informed if there has been a charge. I also have my CC's connected to MInt, so I can see daily the money that is flowing in and ou...
by IowaFarmWife
Sat Aug 10, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 43
Views: 3634

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

My mother travels with InContra travel agency, and she goes on the goodwill tours every year. It has been a fantastic experience for her, and the trips are very affordable, too.

https://www.incontra.com/
by IowaFarmWife
Fri Aug 09, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 5240

Re: Ideas for Little Charges to keep Cards active

On a typical month, we probably have close to 500 charges, most of them small. But I just need categories that I can remember to charge to the inactive cards. Maybe I should just charge all the mexican restaurant eating on one, then the italian on one etc. I just want to keep the charges small so I...
by IowaFarmWife
Mon Aug 05, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your sinking fund?
Replies: 23
Views: 2347

Re: Where do you put your sinking fund?

I've never heard the term "sinking fund" before this thread. I'm assuming it means a checking, savings, or MM account (i.e. cash), but why the switch in names? :confused It's just another form of budgeting both short and longer term goals. I have sinking funds for vacation, Christmas, birthday pres...
by IowaFarmWife
Mon Aug 05, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: Where do you put your sinking fund?
Replies: 23
Views: 2347

Re: Where do you put your sinking fund?

My sinking funds are divided among different accounts, depending upon when I need them. For instance, my life insurance policies are due every three months, so I just keep the money for the premiums in the checking account. For money that I will need to access only once a year, such as my property t...
by IowaFarmWife
Mon Aug 05, 2019 6:39 am
Forum: Personal Finance (Not Investing)
Topic: secured credit card
Replies: 13
Views: 873

Re: secured credit card

Flyer24 wrote:
Sun Aug 04, 2019 11:22 pm
You can also look at the option of adding your son as an authorized user of your own card. He will build credit history that way too.
This is what we did with our children, and it helped them build their credit scores.
by IowaFarmWife
Sun Aug 04, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 8019

Re: Financial anxiety and next steps in relationship

First of all, I already LOVE your girl friend! I am a Speech Language Pathologist myself, and we are pretty great people! :) :sharebeer In all honestly, I do understand your worry about the debt, but is she is in education (or working for a non profit), and assuming she is able qualify for the stude...
by IowaFarmWife
Tue Jul 30, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: How much to tip at wedding
Replies: 24
Views: 2943

Re: How much to tip at wedding

Daughter is getting married this weekend and we have a reception of 65. How much should I give in tips to Priest, deacon , cantors,food servers, bartenders, DJ? Payment to Priest is called "honorarium". I stand corrected. My husband also brought up the fact that it is taxable income, but is offset ...
by IowaFarmWife
Mon Jul 29, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness advice
Replies: 46
Views: 4267

Re: Student Loan Forgiveness advice

All PSLF qualifying loans are direct federal loans and all will need to be serviced by Fed Loan Servicing to qualify. You also need to be on a income based repayment system. If you want to pursue this option you need to look into transferring your loans to Fed Loan Servicing and make sure they're d...
by IowaFarmWife
Mon Jul 29, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1135
Views: 127168

Re: What frugal thing did you do today?

dm200 wrote:
Mon Jul 29, 2019 8:47 am
If I were under 12, I could eat free fruit (oranges, bananas, etc.) in the local grocery store. Maybe they could do it for "seniors"??
I've noticed that our local HyVee store is now serving free fruit to children. It would be nice if older folks could have some, too.
by IowaFarmWife
Mon Jul 29, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness advice
Replies: 46
Views: 4267

Re: Student Loan Forgiveness advice

All PSLF qualifying loans are direct federal loans and all will need to be serviced by Fed Loan Servicing to qualify. You also need to be on a income based repayment system. If you want to pursue this option you need to look into transferring your loans to Fed Loan Servicing and make sure they're d...
by IowaFarmWife
Sat Jul 27, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Selling old farm equipment and cars
Replies: 8
Views: 911

Re: Selling old farm equipment and cars

I asked Mr. IowaFarmHusband your question, and he suggested listing them on Craig's List or some local swap shop forum. We have gotten rid of some old farm equipment that way, and it is amazing what distances some people will drive for old vehicles, tractors, scrap metal, etc. We always give them a ...
by IowaFarmWife
Sat Jul 27, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14451

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by IowaFarmWife
Fri Jul 26, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to build credit for a teen/young adult
Replies: 9
Views: 700

Re: What is the best way to build credit for a teen/young adult

We have four children, and once they were teenagers, we added them onto a few of our credit cards as authorized users. We didn't let them run free through the mall with all of the credit cards of course, but we did let them put gas and a few necessities on the cards, and then they paid them off with...
by IowaFarmWife
Fri Jul 26, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness advice
Replies: 46
Views: 4267

Re: Student Loan Forgiveness advice

https://www.gsmr.org/ Okay, looks like despite the name they are a federal loan servicer like fedloans or navient, so you're probably fine with those. I called the federal loan department and they confirmed gsmr.org is an acceptable federal loan company for PSLF Thank you for your help. Do you have...
by IowaFarmWife
Fri Jul 26, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Forgiveness advice
Replies: 46
Views: 4267

Re: Student Loan Forgiveness advice

All PSLF qualifying loans are direct federal loans and all will need to be serviced by Fed Loan Servicing to qualify. You also need to be on a income based repayment system. If you want to pursue this option you need to look into transferring your loans to Fed Loan Servicing and make sure they're d...
by IowaFarmWife
Fri Jul 26, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: How much to tip at wedding
Replies: 24
Views: 2943

Re: How much to tip at wedding

Daughter is getting married this weekend and we have a reception of 65. How much should I give in tips to Priest, deacon, cantors,food servers, bartenders, DJ? Deacon isn’t officiating at the wedding but he spent a lot of time counseling. I don’t know if he expects anything DJ I think is covered by...
by IowaFarmWife
Thu Jul 25, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7612

Re: Long commute: how to manage?

I've had some pretty long commutes with my job, too, and I keep my sanity by listening to podcasts and audio books.
by IowaFarmWife
Thu Jul 25, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 947

Re: Audible audio books

I've had an Audible account for years, and I always have to purchase a new book on my laptop.
by IowaFarmWife
Thu Jul 25, 2019 8:29 am
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 3103

Re: Who has the best (easiest) Donor Advised Fund

Try Dayton Foundation. They have a charity checking account that has no cost and will accept stock or fund donation. They dispurse funds at your request. They also have an account that will invest your donation and follow your instructions for dispursement. This had an annual fee. Google Dayton Fou...
by IowaFarmWife
Thu Jul 25, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5507

Re: How do you deal with looking bad compared to others?

It's not about keeping up or anything. Your friends/family that do this are jerks. You recognize this, but instead of addressing the nasty snide behavior, you feel the need to ignore and let them keep making nasty rude remarks. So either laugh it off and make it a joke or nicely and firmly call the...
by IowaFarmWife
Wed Jul 24, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA or pay Out Of Pocket?
Replies: 30
Views: 2059

Re: Use HSA or pay Out Of Pocket?

I've always paid for all of my medical expenses using money I put in my HSA. I guess I am in the minority here for using my account for what is was meant for. I do this, too. I didn't have access to an HSA until a year ago, and I'm still learning the ropes on this. Unfortunately, I've had to have t...
by IowaFarmWife
Tue Jul 23, 2019 10:16 am
Forum: Personal Investments
Topic: Betterment Everyday Savings and Checking Launches - 2.69% interest, FDIC insured
Replies: 21
Views: 1733

Re: Betterment Everyday Savings and Checking Launches - 2.69% interest, FDIC insured

I just came from the Betterment site, and I signed up for this, too. I don't know how long those interest rates will last, but I'm willing to give it a try for now.
by IowaFarmWife
Tue Jul 23, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Thinking about buying late grandparents' house, proper boundaries with rest of family?
Replies: 27
Views: 2104

Re: Thinking about buying late grandparents' house, proper boundaries with rest of family?

My husband and I purchased the family farm house from his mother about 20 years ago. It was the house that my FIL built and all 7 children and a few grandchildren grew up in. When we moved in, the house was already over 30 years old and needed a lot of repairs, such as new flooring, new windows, cab...
by IowaFarmWife
Thu Jul 18, 2019 8:45 pm
Forum: Personal Investments
Topic: Wealthfront 2.57% Savings
Replies: 12
Views: 1727

Re: Wealthfront 2.57% Savings

I moved some of my short term savings to the account a few months ago. So far, so good.
by IowaFarmWife
Thu Jun 27, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3720

Re: Facebook reading our minds?

This does not answer the OP's question, nor is it directed at the OP in any way, but is about FB in general. I have a FB account and am a very light user, rarely post, and just read the news feed now and then. I know a lot of adults who spend an inordinate amount of time looking at FB, almost as a ...
by IowaFarmWife
Thu Jun 20, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 804266

Re: What's Your Credit Card Rewards Strategy?

guitarguy wrote:
Wed Jun 19, 2019 10:37 am
Man.......

I feel almost honored to have started this thread so long ago and to see it's STILL going!!!!

Crazy.

:D
I know, right? It's been informative and a good read for the past few years, though.