Search found 230 matches

by BrownEyedGirl_27
Sat Oct 31, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 587
Views: 92247

Re: Losing a job in your 50's...

The thing I like most about your post was that you seem to have no ego or shame in holding down two part time jobs along with a regular job. That right there shows that you’re willing to take charge of your financial health no matter what unfortunate circumstances you face. It shows resilience, and ...
by BrownEyedGirl_27
Thu Jul 09, 2020 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 17100

Re: What is the best financial decision you ever made?

Starting a taxable account and funding our Roth IRAs. Gotta start the Roth clock sooner than later, because you don't get that time back!

Taxable will be great for making large purchases, helping us pay for a house, kids' college, etc. There is just so much versatility.
by BrownEyedGirl_27
Mon Jun 22, 2020 5:19 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20357

Re: Any Instant Pot users here?

My wife's been eyeing one but I'm not convinced it's the answer she's looking for. I do the majority of the cooking and we've already got a pressure cooker (love it), rice cooker, yogurt maker, and a crock pot so I don't see where a Instant Pot would fit in. My experience is that a tool/appliance/w...
by BrownEyedGirl_27
Tue Jun 09, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4814

Re: Engagement Ring Help

I'll admit after 13 years of marriage, the rings have been pretty insignificant to us, and the tradition around them seems more like a very unnecessary and expensive ... well, I don't know that I'll quite say "scam" but something just short of that. I got all geared up to buy one way back...
by BrownEyedGirl_27
Sun Jun 07, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Do you feel safe going to a hair salon or barber shop?
Replies: 32
Views: 1700

Re: Do you feel safe going to a hair salon or barber shop?

One of our friends who cuts hair cut my husband's hair a few weeks ago in her home. She is a licensed hairdresser. We weren't concerned because she was one of two friends in our neighborhood we have spent time with during the pandemic. We haven't had anyone else enter our home. My advice is to eithe...
by BrownEyedGirl_27
Sat Jun 06, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 89
Views: 10187

Re: If SS covers expenses why invest?

Because I don’t expect to have SS when I retire (it won’t exist).
For leaving a legacy.
Giving wealth away.
Having the freedom to buy something nice or fancy because I can afford the finer things.
Savings in case I end up in poor health or a serious accident happens.
by BrownEyedGirl_27
Sat Jun 06, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: How to sell old iPhones?
Replies: 21
Views: 1356

Re: How to sell old iPhones?

Swappa and Amazon Trade In (get a gift card)
by BrownEyedGirl_27
Tue Jun 02, 2020 12:17 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41547

Re: How much is your cell phone bill?

$61.50
2 lines
Verizon auto pay, prepaid, 6 GB per line
Decent to great service most of the time, even in rural areas
by BrownEyedGirl_27
Sun May 24, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39615

Re: The axe falls and I am prepared. What's next?

KlangFool, I am sad to hear of your layoff. I consider you a friend here and it sounds like you take your own advice. I've always admired your preparedness. Sounds like you and your spouse are prepared for this. I do remember you talking about having kids (if I'm wrong, correct me). I have a friend...
by BrownEyedGirl_27
Sun May 24, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39615

Re: The axe falls and I am prepared. What's next?

KlangFool, I am sad to hear of your layoff. I consider you a friend here and it sounds like you take your own advice. I've always admired your preparedness. Sounds like you and your spouse are prepared for this. I do remember you talking about having kids (if I'm wrong, correct me). I have a friend ...
by BrownEyedGirl_27
Fri May 22, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6759

Re: What kind of sunglasses?

I have a polarized pair from Warby Parker and love them. The brand is direct to consumer. The return policy is great! Without prescription they’d be at the higher end of your price range. I wear prescription so I used my HSA to pay for them. Worth every penny! If you want cheap but prescription pola...
by BrownEyedGirl_27
Mon May 18, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 325
Views: 24439

Re: So what are you cooking

My husband made spicy fried chicken sandwiches and I made brioche buns to accompany them. They were a huge hit with our friends last night. :D
by BrownEyedGirl_27
Fri May 15, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29809

Re: [Government stimulus payments]

I read that stimulus checks can take up to 20 weeks to arrive. It's OK, it's a good lesson in not seeking instant gratification! :oops: Heh, join the club. I mailed off my 2019 taxes a month ago and learned that they're not processing paper returns presently. So I don't know when I'll get my state ...
by BrownEyedGirl_27
Sat May 09, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 10287

Re: How Do Early Retirees Pay for Medical

My in-laws retired at age 60 and are part of a medical cooperative. They’re not paying much into it annually according to what they told me when I asked them. They have a pension and investments to live on.
by BrownEyedGirl_27
Fri May 08, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1694

Re: Worth Buying a Used Phone on Swappa?

Has anyone bought phones off of Swappa? There are phones that have a few scratches on them for 40ish% off on a phone that is only a year old. The only thing I am worried about is the battery but can a phones battery really be that bad after only a year of use? Has anyone had good or bad experiences...
by BrownEyedGirl_27
Wed May 06, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: sending a fax to IRS (w/o a fax machine!)
Replies: 10
Views: 882

Re: sending a fax to IRS (w/o a fax machine!)

dratkinson wrote: Wed May 06, 2020 1:12 pm Public library fax machines are free. (Property tax dollars at work.)

Office Depot will do it for a fee.
Libraries aren’t open in my state.

We do our faxing at Staples. They’re open most of the day.
by BrownEyedGirl_27
Wed May 06, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1694

Re: Worth Buying a Used Phone on Swappa?

Have bought 2 unlocked iPhone 8s at two different times for reasonable prices, great site! I go for the mint condition phones that are a year old or slightly older. My phone had 96% battery life when I received it and it came exactly as described, including the charger and cable in the box. When you...
by BrownEyedGirl_27
Sun May 03, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Houses Are Not Edible
Replies: 21
Views: 2957

Re: Houses Are Not Edible

We made a gingerbread house at Christmas. It was certainly edible..... Back to reality. We have a 1 year emergency fund (combo of cash and bond funds in taxable) and additional taxable accounts of stocks as well as Roth IRAs. We have no need to raid the equity in our home like typical poor broke in...
by BrownEyedGirl_27
Sun May 03, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: College Grad Gift Ideas
Replies: 18
Views: 1047

Re: College Grad Gift Ideas

My parents paid for my education and let me keep the old family car. I think that was more than generous. I would have felt weird if they had given me cash or a new car...
by BrownEyedGirl_27
Fri May 01, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 37
Views: 3636

Re: Ads in Yahoo email inbox that aren't email

If you have a Windows 10 PC you can try Mail for Windows 10. That’s what I use, no ads, ever. It’s free. I use Mail for all of my email accounts including Gmail.

If you have a Mac, try Mailspring. Nice interface, simple and free app.
by BrownEyedGirl_27
Wed Apr 29, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: SHould I have my kid pursue coursera / edx courses?
Replies: 19
Views: 1291

Re: SHould I have my kid pursue coursera / edx courses?

Yes. Coursera is a great platform and vets great professors. I would take an official course from them either while in school or for future career training. I don’t know if the free courses are worth much time wise but you can audit any class. If your kid is thinking about going into any creative fi...
by BrownEyedGirl_27
Wed Apr 29, 2020 4:09 am
Forum: Personal Investments
Topic: Leaving Edward Jones is there a better or worse time
Replies: 35
Views: 2150

Re: Leaving Edward Jones is there a better or worse time

Kookaburra wrote: Wed Apr 29, 2020 12:17 am Oddly enough, EJ is a “friend” to anyone who invests with them.

The best day to leave is yesterday. Today is the next best day.
+1
by BrownEyedGirl_27
Tue Apr 28, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What’s the lowest you can comfortably live on?
Replies: 26
Views: 1590

Re: What’s the lowest you can comfortably live on?

75k annual income (combined income), MCOL area in Idaho, Renting 1000 sq feet apartment. Last year’s expenses were $35k but we are likely going to have lower expenses this year due to Coronavirus / job uncertainty. Per month we can live on $2,400 comfortably but this doesn’t include any money for sa...
by BrownEyedGirl_27
Sat Apr 25, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 4023

Re: Amazing shopping deals now

Check out Macy’s. They’re running decent sales on household items for the next couple weeks.

Swappa for mint-condition iPhones and other great quality phones.

Best Buy has been having a lot of great Blue-Ray and 4K movie sales.

If you’re buying tech go to the manufacturer’s website.
by BrownEyedGirl_27
Sat Apr 25, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Any Luck Getting a Refund?
Replies: 9
Views: 1019

Re: Any Luck Getting a Refund?

Classic lesson in why it is unwise to use a debit card, especially online.

Tell him to use credit cards for travel purchases. The best ones offer great travel perks and /or cash back if he had decent to excellent credit.

Did he call his bank? How much money is your son out?
by BrownEyedGirl_27
Sat Apr 25, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 4038

Re: Why do investors have a hard time doing nothing?

1. Investing the Boglehead way is largely boring. Most of us aren’t picking individual stocks, so it’s much less exciting. I’m a young investor and have only had to fix my allocation twice (got rid of bonds and REITs). Rebalanced once which was almost fun. I’m bored now! Because this is an advice fo...
by BrownEyedGirl_27
Sat Apr 25, 2020 4:49 pm
Forum: Personal Investments
Topic: Investing While Unemployed
Replies: 6
Views: 825

Re: Investing While Unemployed

Sorry about your job loss.

What are your ages?

What is your annual spending?

I don’t know what advice to give without some more information. Good for you not having debt.
by BrownEyedGirl_27
Thu Apr 23, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Zoom meetings
Replies: 39
Views: 3206

Re: Zoom meetings

If the host lets people in too early on a personal account, Zoom will kick you out right when you reach the 40-min mark. It seems the meeting room mentioned above is included in the 40 minutes. It was interesting hearing the emails my mother read to me. For some reason the organizer and others thou...
by BrownEyedGirl_27
Thu Apr 23, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Zoom meetings
Replies: 39
Views: 3206

Re: Zoom meetings

If the host lets people in too early on a personal account, Zoom will kick you out right when you reach the 40-min mark. If they use the paid account next time it will not limit you to 40 minutes. I try to let people in 5 minutes before the meeting is scheduled. Zoom has been easy to use but the fru...
by BrownEyedGirl_27
Thu Apr 23, 2020 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Work Hours Reduced and then Furloughed
Replies: 37
Views: 5538

Re: Work Hours Reduced and then Furloughed

As the other response mentioned, it depends on the state. It might be better to not come in for those two days. I’m in Florida. Wouldnt company look at in a negative way if I did not coming in for 2 days? Thanks FL is $275 + 600...and I believe they follow that same rule (anything you earn is subtr...
by BrownEyedGirl_27
Mon Apr 20, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 1988

Re: Best BH soap for C19 & least mess at sink

Bar soap disappears quickly and bacteria stays on the soap itself after a person has used the soap. And you're right, it is a mess to clean up. One bar of soap only lasts us a couple weeks. We like Mrs. Meyer's in the kitchen, and also use it on our hands, but it's mostly the scent I like. It does n...
by BrownEyedGirl_27
Mon Apr 20, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Open an HSA even if ineligible to contribute?
Replies: 7
Views: 498

Re: Open an HSA even if ineligible to contribute?

I'm trying to transfer my HSA from Optum to Fidelity. In this process Fidelity wants me to open an HSA. I'm not eligible to contribute to the HSA, and haven't been for a few years, since my new job doesn't offer a High deductible health plan. However, there is still money in there at Optum, so real...
by BrownEyedGirl_27
Thu Apr 16, 2020 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29809

Re: [Government stimulus payments]

We will have to wait for a paper check because we closed our account that was direct deposit based on our 2018 returns and the IRS does not have accurate bank account information now. We owed in 2019 and just filed last week. I read that stimulus checks can take up to 20 weeks to arrive. It's OK, it...
by BrownEyedGirl_27
Sat Apr 11, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29809

Re: just got my $1200 stimulus payment

Nothing in my checking account as of this morning and I need it as I spent $1,199+tax for a new TV at Costco yesterday. Doing my part to keep the economy chugging along. Quite the TV! In today’s age you can get a lot of TV for $500. Good on you. Nice, we’re jealous. Bought a TV with a wedding gift ...
by BrownEyedGirl_27
Sat Apr 11, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you login and review your investment accounts?
Replies: 68
Views: 2654

Re: How often do you login and review your investment accounts?

Too much, OP!

Would like to get it down to once a month.

It’s probably smart to check at least once a month because one time I was in a cash debit call and wouldn’t have seen it at all if I was too “hands off”.
by BrownEyedGirl_27
Sat Apr 11, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you login and review your investment accounts?
Replies: 68
Views: 2654

Re: How often do you login and review your investment accounts?

tvubpwcisla wrote: Sat Apr 11, 2020 11:04 am
JakeyLee wrote: Sat Apr 11, 2020 11:03 am It sounds OCD, but TW0 times in the last five years I've had to contact payroll about them "forgetting" to send the mail/check. :oops:
Wow, good catch!
Yikes!
by BrownEyedGirl_27
Sat Apr 11, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29809

Re: just got my $1200 stimulus payment

Nothing in my checking account as of this morning and I need it as I spent $1,199+tax for a new TV at Costco yesterday. Doing my part to keep the economy chugging along. Quite the TV! In today’s age you can get a lot of TV for $500. Good on you. Nice, we’re jealous. Bought a TV with a wedding gift ...
by BrownEyedGirl_27
Fri Apr 10, 2020 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One QuickSilver credit card limit
Replies: 36
Views: 1958

Re: Capital One QuickSilver credit card limit

We got a 20k limit right out the gate, and already had about 9k limit on two other cards before applying last year. No mortgage or other loans either. Our credit score was maybe about 720 before opening Cap One and it’s now at 780. I’m sorry they’re not playing nice! Especially when you have a long ...
by BrownEyedGirl_27
Thu Apr 09, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff - Am I crazy?
Replies: 81
Views: 5930

Re: Mortgage payoff - Am I crazy?

Have you refinanced since the talk of the Coronavirus? If not I would see about getting that rate even lower. Of course I do not know how expensive it would be to get a new rate since I am not a mortgage expert. I would read the Wiki “How to manage a windfall” on this forum and park the money in a F...
by BrownEyedGirl_27
Thu Apr 09, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a credit card? Which?
Replies: 21
Views: 1314

Re: Should I get a credit card? Which?

If you're already shopping at Costco and have excellent credit you should look into that one. I think they charge a foreign transaction fee... You may be correct, but I believe they do not charge a foreign transaction fee. Thank you for correcting me, looks like they stopped charging a fee in 2018....
by BrownEyedGirl_27
Wed Apr 08, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a credit card? Which?
Replies: 21
Views: 1314

Re: Should I get a credit card? Which?

I like Capital One Quicksilver (no annual fee like the Chase Freedom cards), it's particularly good for someone with good to excellent credit. 1.5% cash back you can redeem any time for a statement credit, gift cards or Amazon purchases. Depending on your income and creditworthiness you'll probably ...
by BrownEyedGirl_27
Wed Apr 08, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10613

Re: What did you do cool with your money today?

I'm going on a weekend trip to Mexico with my sister in law next month for her 40th birthday. She's having a really rough year - separating, kid issues, job dissatisfaction. They do fine but are far from financially independent (especially now they are splitting up). So I booked a really nice place...
by BrownEyedGirl_27
Mon Apr 06, 2020 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Please critique my Savings Rate... 36yo, Engaged, No Kids
Replies: 12
Views: 1255

Re: Please critique my Savings Rate... 36yo, Engaged, No Kids

I would consider replacing a car with reliable basic transportation to be in a different category than either retirement or fun/travel. I would want a minimum of 15% to go towards retirement, including the Roth contribution. Personally, I would be aiming more for at least 20% right now while you ha...
by BrownEyedGirl_27
Mon Apr 06, 2020 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Are cell phones like cars? [Buying new vs buying used or keeping old]
Replies: 62
Views: 3493

Re: Are cell phones like cars?

Find your sweet spot. I have switched to buying "Mint" 1 year back versions from Swappa and then using them 3 years. Repeat. 1 year back for an iPhone usually won't get you 50% off. More like 30-35% off, but still a decent discount. I use Swappa because the phones are guaranteed. I have t...
by BrownEyedGirl_27
Mon Apr 06, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 263
Views: 42025

Re: How Much in Your Emergency Fund And Is It Used?

Two years ago I had an emergency and needed $160,000 so keeping a few months living expenses in a savings account wouldn't have helped anyway. Not to hijack the thread, but how much have people actually needed in an emergency? And what was the general story behind needing it? I'd say there are VERY...
by BrownEyedGirl_27
Mon Apr 06, 2020 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for unemployment?
Replies: 14
Views: 1460

Re: Should I apply for unemployment?

My company finally decided to stop operation in my department for at least a month, possibly longer. I only work part time there, but that’s my only job. Here are my options: 1. Use PTO. I prefer not to at this moment, will need it later when new baby comes. 2. Apply for unemployment. I’m sure I’m ...
by BrownEyedGirl_27
Mon Apr 06, 2020 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Estimating unemployment benefits
Replies: 13
Views: 1266

Re: Estimating unemployment benefits

Yeah, unemployment isn't mean to replace income for high earners. I believe my state cap is also around $800/wk. Dude, that's $3200/mth and should be more than enough to cover basic expenses even in HCOL area. With the extra $600/wk, that's $5600/mth for the first 4 months!!! PLUS, you don't need t...
by BrownEyedGirl_27
Mon Apr 06, 2020 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus money if I owed taxes in 2019?
Replies: 11
Views: 1516

Re: Stimulus money if I owed taxes in 2019?

I switched banks and closed out my old account so this info is very helpful. We were wondering how long it would take, so thank you!
by BrownEyedGirl_27
Sun Apr 05, 2020 10:07 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 17012

Re: What percentage of your paycheck do you invest?

My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you? Same as you: 10-15% of base pay. I’m all over the map with what I do with my annual bonus. I’ll bet you guy were not expecting the kind of answers your gett...