Search found 52 matches

by IowaFarmWife
Sun Feb 18, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 22
Views: 2601

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: 29
Views: 1914

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: 885

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: 885

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: 397
Views: 31035

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: 885

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: 109
Views: 7572

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: 885

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: 397
Views: 31035

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: 885

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: 885

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: 155
Views: 10249

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: 10678

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: 10678

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: 885

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: 490

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: 1673

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: 1673

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: 1131

Re: What credit card should I get?

Cap One has some good "credit rehab" cards available.
by IowaFarmWife
Mon Jan 22, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Chevrolet Suburban - 1500 or 2500?
Replies: 26
Views: 1733

Re: Chevrolet Suburban - 1500 or 2500?

From my husband who has driven 1500's since 1992... The 1500 is a great truck and the 06 model year was excellent. It was the last - and perfectly refined year of that model type as 2007 was the new model. The auto-ride is certainly a two-edged sword as it works great when it works, but if it goes o...
by IowaFarmWife
Mon Jan 22, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7088

Re: Ancestry / 23andMe

save your money "My Grandmother Was Italian. Why Aren't My Genes Italian?" https://www.npr.org/sections/health-shots/2018/01/22/578293890/my-grandmother-was-italian-why-arent-my-genes-italian?utm_campaign=storyshare&utm_source=twitter.com&utm_medium=social Last fall, we sent away to get our DNA tes...
by IowaFarmWife
Sun Jan 21, 2018 7:50 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3440

Re: My daughter got her dream job

I am so happy for your daughter and yout family! Congratulations to all of you😀💐🌷
by IowaFarmWife
Wed Jan 17, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11189

Re: Any Instant Pot users here?

I am excited! My instant pot is due today! Any one have any recipes they want to share with me? :happy
by IowaFarmWife
Mon Jan 15, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3110

Re: Any high-end skincare products worth it?

I have very sensitive skin, and I find that Clinique is a great product for me. Not super duper expensive, but more than what you would have to pay for drugstore soaps and makeup. It helps that you can go to their website and join the loyalty program and get free shipping and they always throw in sa...
by IowaFarmWife
Sat Jan 13, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31035

Re: What frugal thing did you do today?

I always buy my summer cloths at the end of summer and winter cloths at the end of winter. I always look poor when I go shopping. Sometimes I get a big discount. I went to a restaurant while I was traveling and someone tried to slip me a $5. Said his wife felt sorry for me. When I left I paid there...
by IowaFarmWife
Sat Jan 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10678

Re: Our 'cure' for emergency expenses

We found the same thing: starting a "sinking fund" of about 800 a month (which included car insurance, life insurance, car registration, clothing, medical, gifts, other once-yearly expenses) helped revolutionize our financial lives. These are predictable expenses but there was a time when a $300-$5...
by IowaFarmWife
Fri Jan 12, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10678

Re: Our 'cure' for emergency expenses

That sounds similar to what we do, except we know it as "envelope budgeting" with some envelopes being sinking funds for expected/irregular expenses (whether known like holiday gifts, or unknown like auto repairs and clothing). Instead of a spreadsheet, I use a personal financial app that does enve...
by IowaFarmWife
Fri Jan 12, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10678

Re: Our 'cure' for emergency expenses

I found about the "freedom account" about 10 years ago, and I have been budgeting the same way too. My only regret is that I didn't start doing this earlier in my life. It really has saved a lot of budgeting headaches over the years. One thing I do in addition to what you describe is having a catego...
by IowaFarmWife
Thu Jan 11, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2406
Views: 451765

Re: What's Your Credit Card Rewards Strategy?

Chase Freedom includes internet/cable/phone services this quarter. Is there any reason not to prepay $1500 today on those? Good idea- I had switched my accounts to this card to pay for the three months of payments, but had not considered prepaying anything. I wonder if they will let me do this....
by IowaFarmWife
Sun Jan 07, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31035

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by IowaFarmWife
Sat Jan 06, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31035

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount.
by IowaFarmWife
Wed Jan 03, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 29
Views: 3056

Re: Online High yield savings account for emergency funds

Barclay Bank is also offering 1.3%; I have had no issues with this one either.
by IowaFarmWife
Tue Jan 02, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31035

Re: What frugal thing did you do today?

Packed my lunch for using some leftovers and split McDonald’s french fries with my hubby.
by IowaFarmWife
Mon Jan 01, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5966

Re: Long Term House—Any Regrets on things you didn’t do?

Our house is 50 years old, and we have lived here as a family since 1998. We are actually living in the house that my father in law built, and my husband grew up here. When we first bought it 20 years ago, we replaced all of the flooring and put in nice laminate in the main rooms and bedrooms. We al...
by IowaFarmWife
Sat Dec 30, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 6619

Re: Individual Stocks That Went Bust

Let’s not forget Gateway Computers. They busted a lot of people in my area.
by IowaFarmWife
Mon Dec 25, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 397
Views: 31035

Re: What frugal thing did you do today?

I ate leftovers from last night’s Christmas Eve party.
by IowaFarmWife
Fri Dec 22, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Appointment Calendars from the past
Replies: 28
Views: 2262

Re: Appointment Calendars from the past

I would look through them just to make sure there is no personal information about you or someone else and then put them in a recycling container.
by IowaFarmWife
Thu Dec 21, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a farm (late in life)
Replies: 8
Views: 930

Re: Starting a farm (late in life)

My husband and I live on an acreage (the farm that he grew up on), and for some reason when we bought it the land was zoned "residential" and we payed a higher property tax. A few years ago we were able to rezone it as agricultural, and our taxes went down about 1K a year. The only stipulation to ha...
by IowaFarmWife
Thu Dec 14, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: TIAA Executive Departures
Replies: 1
Views: 306

Re: TIAA Executive Departures

I have a sizable amount of my money with TIAA. I hope everything turns out OK.
by IowaFarmWife
Thu Dec 14, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 2097

Re: Teaching elementary school kids about money

I have four daughters, and one of them in particular was always asking for "stuff," and didn't understand it when I told her that I couldn't afford what she wanted. "But mom, you have checks in your check book!" At that time, I was paid monthly, so one time I cashed my entire paycheck, and we drove ...
by IowaFarmWife
Thu Dec 14, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7088

Re: Ancestry / 23andMe

As I was checking my newsfeed last night, I ran across this article: http://www.bbc.com/news/stories-42256465

It is long but interesting read about a man in London who found his birth family through using the DNA testing services.
by IowaFarmWife
Wed Dec 13, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2934

Re: Edward Jones Guided Solutions - Spouse is Employee

This is maybe a stupid question but how would they know if a spouse had an account at another brokerage firm?
by IowaFarmWife
Mon Dec 11, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7088

Re: Ancestry / 23andMe

I think that is a terrific gift. My husband bought that for me this year for my birthday. I did not do the health portion on myself, but my husband did. He did not think it was worth the extra money.
by IowaFarmWife
Mon Dec 11, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11696

Re: 2018 financial goals - what are yours?

1) add to emergency fund;
2) pay off debt
3) learn more about investing
4) enjoy my daughter's wedding in April!
by IowaFarmWife
Sat Dec 09, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17308

Re: Save all this money, what do you splurge on?

One book per month on audible.com
by IowaFarmWife
Sun Dec 03, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6171

Re: It's that time of year again... buying christmas gifts

I love Christmas, as does my family, but we keep it inexpensive and simple. I just buy for my husband and four children and my mother, and I donate to a few charities, too. The most I spend on each person is $50-60. Total Christmas budget for everyone/everything is $600.
by IowaFarmWife
Fri Nov 24, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1556

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

No Vanguard funds, but i did purchase an I bond. And put some more money into my E savings. No other spending today!