Search found 81 matches

by IowaFarmWife
Wed May 23, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 57
Views: 6452

Re: Laid Off/Termination/Downsizing survival strategies...

Thanks for the update, and I'm glad that something came through for you. :)
by IowaFarmWife
Tue May 15, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 317
Views: 21932

Re: Lucrative careers?

Speech Language Pathologist
Occupational Therapist
Physical Therapist

I have been an SLP for 23 years, and I have never know a therapist who couldn't get a job within a week. The hardest interview question I've ever been asked is "how soon can you start and how much do you want?" Seriously.
by IowaFarmWife
Fri May 04, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1978

Re: My first week of cycling in Slovenia and Croatia

Sounds fantastic! Can you post pictures on the forum?
by IowaFarmWife
Sun Apr 29, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2514

Re: Anyone else use AmazonSmile?

Yes, and mine goes to my Church.
by IowaFarmWife
Sat Apr 28, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 2977

Re: When would you replace a car?

We live in a very hilly area with about a mile and a half of gravel road to drive through, and I know that gravel roads in the winter are tough at best. I would get another AWD or 4 WD for your second car, and fund it with part of your efund. Our winter gravel road-worthy cars have included Honda CR...
by IowaFarmWife
Thu Apr 19, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4502

Re: Another discussion about private vs public schools?

Have you considered home schooling?
by IowaFarmWife
Tue Apr 17, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Online Fax Suggestions
Replies: 12
Views: 948

Re: Online Fax Suggestions

This doesn't apply to everybody obviously, but physicians can get a free fax line through Doximity. That's what I use. It also claims to be HIPAA-compliant. I am not a physician, but I am a Speech Language Pathologist, and I went to their website and I was able to create an account. They were able ...
by IowaFarmWife
Mon Apr 16, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Online Fax Suggestions
Replies: 12
Views: 948

Re: Online Fax Suggestions

I use Docr https://itunes.apple.com/us/app/docr-pd ... 45201?mt=8

It costs .99 per fax, but I only need to fax a few documents a year, so it is not cost prohibitive at all. It is also very easy to use.
by IowaFarmWife
Mon Apr 16, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2576

Re: Help with CD ladder strategy for emergency fund

One thing you may want to consider is to put part of you EF into I Bonds that can be purchased through Treasury Direct. You can purchase up to 10K per social security number. The money is tied up for one year, but after 12 months they are liquid. If you cash them in before year 5, you do loose 3 mon...
by IowaFarmWife
Sat Apr 14, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Summary of Emergency Fund Options
Replies: 16
Views: 1871

Re: Summary of Emergency Fund Options

You could have a tiered EF, such as cash in a savings account, CDs and or I Bonds, taxable, etc.
by IowaFarmWife
Thu Apr 12, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1493

Re: Need vacuum recomendations

OP here: thanks for all of the suggestions! We ended up ordering the shark off of Amazon.
by IowaFarmWife
Tue Apr 10, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 3970

Re: High-yield Savings

jpsc wrote:
Tue Apr 10, 2018 10:03 pm
the best saving account still fall short of I-bonds at US Treasury direct. I-bonds is paying 2.48% state tax free
federal tax deferred until sell
+1
by IowaFarmWife
Tue Apr 10, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1493

Need vacuum recomendations

I am looking for recommendations for a new vacuum for our house. We have a few cats (OK, crazy cat lady has 5 indoor/outdoor cats :mrgreen: ), hardwood floors though out most of the house, and one room with wall to wall carpeting and a few smaller rugs in the bedroom. Living out in the country, we d...
by IowaFarmWife
Mon Apr 09, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 57
Views: 6452

Re: Laid Off/Termination/Downsizing survival strategies...

CyclingDuo, I agree a that finding a job without a move would be ideal, and it sounds like your wife has an excellent job. I just did a quick google search for getting a teaching certificate in Iowa, and I came up with this result: https://www.teachercertificationdegrees.com/certification/iowa-alter...
by IowaFarmWife
Fri Apr 06, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3722

Re: How often do you replace your office shoes?

I tend to wear my shoes until they are falling apart, so I usually wear mine about 3-4 years, depending on weather, etc. I usually replace them with shoes that cost about $35-$55.
by IowaFarmWife
Fri Apr 06, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 57
Views: 6452

Re: Laid Off/Termination/Downsizing survival strategies...

Cyclingduo, I am so sorry to hear about your layoff. I don't know how flexible you are regarding employment and moving, but my husband just notified me of a vocal music teacher position that will be open at his high school in NW Iowa next year. It is located in a small rural school district outside ...
by IowaFarmWife
Sat Mar 17, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16838

Re: Bought house six months ago - now feeling like we're treading water and can't save money

You’ve gotten a lot of good advice you’ve been a lot of smart people, so I am not going to comment on the other advice. One thing I would tell you though is that instead of Purchasing all of your household and lawn equipment brand new, look on craigslist for these items. Another good source of house...
by IowaFarmWife
Sat Mar 10, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund a CD with online bank??
Replies: 10
Views: 977

Re: How to fund a CD with online bank??

I just helped my daughter set up a savings account with them, and we funded it out of her main bank account at our local brick and mortar bank.
by IowaFarmWife
Sat Mar 10, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 6767

Re: Online High yield savings account for emergency funds

Watching this as well. My current dissatisfaction with my Barclay's 1.2% savings account has me looking around at these other banks. https://www.depositaccounts.com/blog/best-online-savings-accounts.html This site has a regularly updated table with the highest yields. You may want to double check y...
by IowaFarmWife
Thu Mar 08, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking multiple savings goals in one account
Replies: 13
Views: 981

Re: Tracking multiple savings goals in one account

I use Quicken and set up cash accounts in it to track my different savings goals. Details are on this website: https://www.thebalance.com/how-to-set-up-a-cash-account-in-quicken-1294061 It is very easy, and each paycheck I "divide" up the money into the various envelopes to help keep track of the in...
by IowaFarmWife
Mon Mar 05, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Allocation
Replies: 6
Views: 626

Re: Emergency Fund Allocation

Looks reasonable, but I am not an expert in these matters. I am working on a EF consisting of 2 months cash reserves, 2 months in I bonds, and 2 months in a 50/50 stock/bond split in brokerage account.
by IowaFarmWife
Mon Mar 05, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3781

Re: Etiquette of hanging up on live telemarketers

chevca wrote:
Mon Mar 05, 2018 11:28 am
I also used to let the kids answer when they were younger and have them engage the caller in conversation. That was always fun to listen to. :happy
I used to do the same thing. It was hilarious. :happy
by IowaFarmWife
Tue Feb 27, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14574

Re: How much cash do you keep at any time on checking?

I usually keep between $4500 and $7000. I use our checking account for short term savings (quarterly bills), etc. so there is usually a fair amount of money in there. I also try to keep about 1K buffer in there, too.
by IowaFarmWife
Mon Feb 26, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need to move IRA but scared
Replies: 23
Views: 1605

Re: Need to move IRA but scared

OP, my husband and I are both teachers in Iowa. In addition to the state retirement plan, we are also have the option of having a 403B account. You might want to check to see if you can have this account in addition to the state retirement plan. I have one through Horace Mann, and another one throug...
by IowaFarmWife
Mon Feb 26, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need to move IRA but scared
Replies: 23
Views: 1605

Re: Need to move IRA but scared

OP, my husband and I are both teachers in Iowa. In addition to the state retirement plan, we are also have the option of having a 403B account. You might want to check to see if you can have this account in addition to the state retirement plan. I have one through Horace Mann, and another one throug...
by IowaFarmWife
Mon Feb 26, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What is your credit score?
Replies: 38
Views: 1825

Re: What is your credit score?

According to Credit Karma, it is 766.
by IowaFarmWife
Fri Feb 23, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41944

Re: What frugal thing did you do today?

[/quote]
During lunch hour I come home from work and eat home-cooked food. It is frugal and healthy!
[/quote]

I do this sometimes, too, but the problem is that I don't want to go back to work after being home!
by IowaFarmWife
Mon Feb 19, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2504

Re: Email from IRS this morning- is my information compromised?

Thank you for your replies. I reported it as a possible phishing email at the IRS website, so we'll see what happens.
by IowaFarmWife
Mon Feb 19, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2504

Email from IRS this morning- is my information compromised?

Good morning! I just checked my email a few minutes ago, and there was an email from IRS.online.services@irs.gov stating that there have been three unsuccessful attempts to access my account with them, and my account has been frozen for 24 hours. I asked my husband if he was working on our taxes and...
by IowaFarmWife
Sun Feb 18, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5558

Re: Chillin' in the BH Lounge

Can this community
give me some advice about my annuity?
by IowaFarmWife
Sat Feb 17, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Minnesota lake resorts summer 2018
Replies: 32
Views: 2453

Re: Minnesota lake resorts summer 2018

Last summer we stayed in Castle Danger near Deluth, MN. Loved the area- there is Gooseberry Falls State Park nearby. We stayed at Grand Superior Lodge, and loved it! http://www.grandsuperior.com/ We also take our camper to Lake Shetek several times each summer. Very laid back, and love the State cam...
by IowaFarmWife
Sat Feb 17, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Re: Best choice of 403b companies and plans- need advice

We are not "there" yet, we have DD#3 in college for about one more year after this, and DD#4 is a Senior in High School this year, so we will be shelling out tuition for a while. I'm hoping that we can throw some more into the retirement funds when we are finished helping with college expenses.
by IowaFarmWife
Fri Feb 16, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Re: Best choice of 403b companies and plans- need advice

IPERS members can also use the funds to purchase additional years of service for their lifetime pension payments (if they qualify) once you declare retirement and fill out the paperwork for the pension. We can also roll in and out from other 401k/403/457/IRA plans: Eligible outside retirement plan ...
by IowaFarmWife
Fri Feb 16, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41944

Re: What frugal thing did you do today?

Thanks, HongKonger.
by IowaFarmWife
Fri Feb 16, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Re: Best choice of 403b companies and plans- need advice

One thing I would investigate further for each of the companies named is whether or not your 403b is wrapped inside an annuity product. 403b plan providers are notorious for this and seeing the names of insurance companies makes me suspicious. I have direct experience that VALIC engages in this pra...
by IowaFarmWife
Thu Feb 15, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 13476

Re: What big item (>20k) are you saving up for?

Pilgrimage to the Holy Land for my wife and I, with possible extension in Jordan. And plane tickets for grandma and grandpa to come stay with the kiddos! ETA: not gonna happen because we wouldn't leave our little ones for that long, so instead we're saving up assuming it will probably cost >$20k wi...
by IowaFarmWife
Thu Feb 15, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Re: Best choice of 403b companies and plans- need advice

Yes, I signed up with Horace Mann, and chose the Vanguard Target Retirement 2030. The first deposit was made today. I can always change later. I am sill disappointed that TIAA is no longer an option. I was with them for a long time and still have a significant amount of funds with them.
by IowaFarmWife
Thu Feb 15, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41944

Re: What frugal thing did you do today?

HongKonger wrote:
Wed Feb 14, 2018 11:04 pm
I hit my target of 180 meals in the freezer - all cooked from scratch using produce grown in my garden.
I also bartered some nuts and fruit from the garden that I had in the freezer in return for some cookies.
Do you want to share any of your recipes? I am in awe, by the way. :happy
by IowaFarmWife
Thu Feb 15, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Re: Best choice of 403b companies and plans- need advice

Cyclingduo, thank you for the detailed response! I already signed up fo another plan, but now you have me questioning my decision. oy vey😳
by IowaFarmWife
Thu Feb 15, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Re: Best choice of 403b companies and plans- need advice

Cyclingduo, thank you for the detailed response! I already signed up fo another plan, but now you have me questioning my decision. oy vey😳
by IowaFarmWife
Tue Feb 13, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 12036

Re: Did you learn anything from the market correction?

I discovered that the market swings don't bug me too much. Sure, it is no fun logging on and seeing that I am poorer today than I was a few weeks ago, but honestly I'm fine. I have no plans to change my AA or my investing amount or schedule.
by IowaFarmWife
Tue Feb 13, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 11207

Re: Our 'cure' for emergency expenses

The $500 cushion is my first-tier emergency fund which covers smaller, unexpected expenses which can arise from month to month. These are beyond the lumpier but more predictable expenses I already list in my one-year budget. To rebuild the $500 cushion, I can simply reduce or eliminate future outfl...
by IowaFarmWife
Tue Feb 13, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 11207

Re: Our 'cure' for emergency expenses

I agree with Jeep512 - different strokes for different folks. We do something similar with our "Periodic Expenses", not emergencies. Many years ago after reading "Uncommon Cents" - the suggestion was to have a chart of periodic expenses and the months they hit. We found that most of our periodic ex...
by IowaFarmWife
Fri Feb 02, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice of 403b companies and plans- need advice
Replies: 15
Views: 1028

Best choice of 403b companies and plans- need advice

Good evening! I am looking for some advice as to which company and which plans I should choose for my 403b retirement account. I am fully vested in IPERS, and I am looking to supplement my pension with another retirement fund. It is my understanding that I can designate this money as pre or post tax...
by IowaFarmWife
Tue Jan 30, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Note Purchases
Replies: 6
Views: 762

Re: Treasury Note Purchases

I purchase all of my I bonds through TD, and I have had no issues whatsoever. It has been very easy. I have not tried to cash any out at this point, so I can't comment on that.
by IowaFarmWife
Thu Jan 25, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1857

Re: Board game for 3 year old

lthenderson wrote:
Thu Jan 25, 2018 10:17 am
Two that we played with our kids when they were young that I haven't seen mentioned yet, Dominoes and Monopoly (the kiddie version).
I forgot about dominos- my DD#2 LOVED to play this. She was pretty good at it, too.
by IowaFarmWife
Wed Jan 24, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1857

Re: Board game for 3 year old

I work with a lot of preschool-aged kids, and they love Chutes and Ladders, Candy Land, go fish and card matching games. Yes, I get to play games at work and get paid for it, too! :)
by IowaFarmWife
Tue Jan 23, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: What credit card should I get?
Replies: 12
Views: 1242

Re: What credit card should I get?

Cap One has some good "credit rehab" cards available.