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JULIE

I have a discounted daycare rate through work. It is about half the going rate in this area. Yay. We did not like the in-home daycare feel because there was a lot of TV being the caregiver and I did not feel comfortable with that. In the center, there is not even a television in the room with the ch...

JULIE

I use it between friends when I am doing large group orders so people do not have to take time off work or work around their busy schedule to meet with me twice. I also have paid people who do group amusement park ticket orders in the area so I do not have to drive 1/2 hour out of my way to meet the...

JULIE

No house yet but here's what I'm looking for: -Sidewalks (at least 3-6 miles so I can run on without much worry) -Low traffic -3-5 miles from a major highway or highways -3-7 miles from shopping area -1-5 miles from schools/parks -Not in a thoroughfare style area or neighborhood with pinch point en...

JULIE

I've been working my way there.

JULIE

Folks, We got a 2011 Toyota Sienna AWD with 5000 miles. At what cost? A loaded AWD Limited with premium entertainment and nav package for 34k (which lists at 46k) new. @julie, I hear you - my inside voice just trying to justify my long term purchase. Then again, we're going from a rear wheel sedan ...

JULIE

The cubicle investors (TM) attitudes are promulgated by the authoritative advice they encounter throughout the day, day-in and day-out. 1. "Sell your losers!" Without any specific guidance, is not it clear that "losers" are the stocks that have declined? 2. "These stocks/sectors/commodities are pos...

JULIE

airahcaz-- I have no problem with those who "want" a SUV. But to justify it by saying that there's no way one could fit 3 car seats across is not a defendable excuse. In my second link, the infant seat that is portable is on the passenger side so it is easily removed from the base. In the case of my...

JULIE

I have cruised in the past and will continue to do so. One isolated incident has no bearing on my future plans.

JULIE

That sounds like a conversation I had with my (retired) father. Dad: The market is doing really bad lately. I've been losing a lot of money, but I've figured out a way to beat it. Me: So what have you been doing? Dad: I sold the bad stocks for good ones. Me: so... you sold the stocks that went down ...

JULIE

No. I have been investing 30% of my portfolio in International since I started. I'm holding steady at this point.

JULIE

Folks, We got a 2011 Toyota Sienna AWD with 5000 miles. Congrats. I've been following this thread. We are a 3 car family. I have an AWD sedan, but I classify it as a want vs. need. My Honda Civic fits 2 carseats (recently 2 rearfacing carseats!) and 2 adults fine. It also drives OK in the snow as l...

JULIE

Folks, We got a 2011 Toyota Sienna AWD with 5000 miles. Congrats. I've been following this thread. We are a 3 car family. I have an AWD sedan, but I classify it as a want vs. need. My Honda Civic fits 2 carseats (recently 2 rearfacing carseats!) and 2 adults fine. It also drives OK in the snow as l...

JULIE

Folks, We got a 2011 Toyota Sienna AWD with 5000 miles. Congrats. I've been following this thread. We are a 3 car family. I have an AWD sedan, but I classify it as a want vs. need. My Honda Civic fits 2 carseats (recently 2 rearfacing carseats!) and 2 adults fine. It also drives OK in the snow as l...

JULIE

18.7% if we don't count the extra payments I make to the principal.

31.1% with the extra payments.

JULIE

I think there are regional differences. I polled about 20+ of my friends in the area and found that they were in the thrifty to low-cost range. We just have a lot of options for cheaper fresh food in the area I live.

JULIE

When I was a kid, I ate what my mother put on my plate. If I didn't want to eat it, I could sit there all night for all she cared. My kids got pretty much the same. Of course, we didn't serve peanuts to the one who was allergic to peanuts, but the rest of the family still get pb&j. Just serve them ...

JULIE

We are in the "thrifty" category based on dollars. I buy seafood, fresh vegetables/fruits, and mostly whatever I want. But we have a Chinese grocery store half hour away that I buy a lot of it from. I also try to not overfeed the family on meat. It seems to give one of my kids digestive issues so sh...

JULIE

I put in 02113 for Boston, MA. In bold red print, inside the descriptor of the top 4 phones, it says: * Includes NET10 Unlimited Airtime Card (Unlimited Talk, Text, Web/Email, and calls to 411and 30 days of service) now only $30.00 (was $50.00) * To continue to receive the special price of $30.00 a ...

JULIE

Net10 offers unlimited talk, text, web for $30 a month. They sell Android phones. No contract. link? It shows me $50 plan : https://www.net10.com/direct/Purchase?payGo=true Go here http://www.net10.com/e_store.jsp Put your zip code in, and make as if to buy a phone. You will see that if you buy a s...

JULIE

Net10 offers unlimited talk, text, web for $30 a month. They sell Android phones. No contract.

JULIE

My parents use it so they can make/receive calls to the US when they are in their other house, but it is far from reliable.

We just did away with the landline altogether and use our cells.

JULIE

Tim_in_GA -- That's very interesting. My BIL has a Bachelor's in Music and works as a software engineer today. It seems that his is not the only case of someone who enjoys/excels in music/art doing well in engineering.

JULIE

Alkan

JULIE

I picked up a cross-cut shredder from staples for about $5 about 7 years ago. It still works, but I don't bother using shredders anymore. We have a giant incinerator at work for documents that need shredding and I'm too lazy to open everything so they will fit through the shredder without jamming it...

JULIE

Imperabo wrote:
JULIE wrote:No. It was either be an engineer or a sex worker. I think engineer turned out ok for me.
Ever thought of combining the two? There's definitely a demand.

Ooh, that might be fun. But then I'd have to live in Nevada. :lol

JULIE

N/mmm

JULIE

Another vote for Amerisave here. The process was pretty painless.

As for credit score, try credit karma?

JULIE

No. It was either be an engineer or a sex worker. I think engineer turned out ok for me.

JULIE

I can't wait for season 3. I really enjoyed Moffat's readaptations of classics like Jekyll and now Sherlock.

JULIE

When I first read the title, I was thinking of obstructionist as someone who speeds around cutting off other cars just to cut in front of you just to slam on the brakes in front of you. Or is that just called being a jerk? I don't consider myself that slow of a driver, but I've had that happen to me...

JULIE

I have a coworker in the same boat who is using a book called "Weightlifting for Women" It might be worth a look-over.

JULIE

I really like the Merrells for hiking. Mine had weathered several different climates and keep on ticking. The only issue is that if you get the gore-tex for waterproofness, it does not ventilate like .. well... running sneakers

JULIE

2 older ipods (video and classic) that were both won from 2 different work raffles (free).

JULIE

I'm not going to rehash all the previous posters' comments even though I agree with them. I just want to say that once you have a baby, driving, although cheaper, may not be the best way to get somewhere. It depends on the baby. My first child was a dream in the car. She would go to sleep. She was v...

JULIE

I have a little girl turning 2 this month as well as a 5 month old. My first thought upon seeing that staircase is absolutely not. My toddler is dangerous enough on our regular stairs. It is also not easy to carry a struggling tantruming child up the stairs. A spiral staircase can be very dangerous....

JULIE

I am in my late 20s and my husband is 30. We were in the same boat. Yes, you can afford it, but if you do not live in a high cost of living area, I would reconsider getting a house that fits your needs. You did not mention if this is a very large home or a medium-sized home. If I were in your shoes,...

JULIE

Around 30% gross.

JULIE

We live in a home just under 3000 sq. ft on the East Coast. I like it. I wouldn't want any smaller; this is just the right size. We also have a fully finished basement. My older daughter can go downstairs and play with her daddy while our colicky and very sensitive baby is sleeping or resting. My mo...

JULIE

alec - ha! Not everyone wants or gets RDO.

I am beginning to realize how good the G fund is myself.

JULIE

cosmic - I did not mean for OP to let his son know what he is doing with the rent. I also am glad I am not your child. I think I am quite strict but probably not as much as you are. As for what your son should be doing, here is a comparison: My 22 month old sweeps up after herself when she eats. She...

JULIE

My husband and I do decently well salary-wise.

That doesn't make me feel rich at all. I don't think I will ever feel "rich" or want to be rich. What I aspire to be is comfortable.

As a PP said, I want my current lifestyle without having to go in to work every day.

JULIE

Charge him rent. Invest in Roth for him. Make him do chores. You (or your SO) do not cook/clean for him anymore. He better be cutting your lawn. I'm 27 and I see too many people in my age range that are slackers for life. He needs to contribute, especially since he does not plan to go to college. Ma...

JULIE

The only consideration for living in DC with children is that they get in-state tuition rates at any state university in the country.

JULIE

My husband has had a great experience with the express parking at BWI. $10 a day, but they come pick you up right at your spot and whisk you to the terminal ASAP. He now prefers it to getting picked up by an unreliable limo service.

JULIE

My ROI ends up being undefined (divide by 0) because the cost of my college was 0. In my opinion, that makes it the best ROI. I was accepted to Harvard and MIT, but I decided to go to a state school with a full scholarship and a stipend. Never regretted it for one second. I love that I never ever ha...

JULIE

I am reading Sleepless in America: Practical Strategies to Help Your Family to Get the Sleep it Deserves by Mary Sheedy Kurcinka.

Slowly. Very Slowly. I have a 2nd birthday party coming up and a demanding 4 month old.

JULIE

I look at it monthly, but that's about it. I'm not obsessed, but I am aware that I am trying to increase it.

JULIE

I'd look into the no yearly fee option. My 529 has a fee but waives it if you do automatic monthly contributions. See if you can get out of that.

Also, do you know if you get credit on your taxes for an in-state 529? That might actually help you make your decision to switch 529 providers.

JULIE

local organic fruits, veggies, and eggs.
local free range grass fed beef, pork, and chicken.

I have a stroller addiction.

Cute things for my daughters.

JULIE

I have 2 blackberries. I like them a lot. If you download the Opera browser, it also zooms in and out so you don't have to scroll side to side.

Plus, I like the security of the blackberry more. I may be in my 20s but I'm not really into the latest gadgets and toys.

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