Search found 65 matches

by JULIE
Wed Feb 08, 2012 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Day Care / Child Care - Discussion
Replies: 39
Views: 3479

Re: Day Care / Child Care - Discussion

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...
by JULIE
Fri Feb 03, 2012 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever actually used Paypal to pay a pal?
Replies: 38
Views: 3572

Re: Have you ever actually used Paypal to pay a pal?

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...
by JULIE
Thu Feb 02, 2012 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Why do people think different when buying housing?
Replies: 89
Views: 6197

Re: Why do people think different when buying housing?

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...
by JULIE
Wed Jan 25, 2012 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Do you hold your age in bonds?
Replies: 133
Views: 9453

Re: Do you hold your age in bonds?

I've been working my way there.
by JULIE
Sun Jan 22, 2012 2:40 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

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 ...
by JULIE
Sun Jan 22, 2012 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cubicle talk
Replies: 36
Views: 3482

Re: The perils of the "cubicle investor"

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...
by JULIE
Sun Jan 22, 2012 12:32 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

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...
by JULIE
Sun Jan 22, 2012 11:02 am
Forum: Personal Consumer Issues
Topic: Does the cruise ship sinking make you reconsider cruising?
Replies: 58
Views: 4897

Re: Does the cruise ship sinking make you reconsider cruisin

I have cruised in the past and will continue to do so. One isolated incident has no bearing on my future plans.
by JULIE
Sun Jan 22, 2012 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Cubicle talk
Replies: 36
Views: 3482

Re: Cubicle talk

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 ...
by JULIE
Sun Jan 22, 2012 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Time to overweigh International?
Replies: 50
Views: 4643

Re: Time to overweigh International?

No. I have been investing 30% of my portfolio in International since I started. I'm holding steady at this point.
by JULIE
Sun Jan 22, 2012 10:37 am
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

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...
by JULIE
Sun Jan 22, 2012 5:07 am
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

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...
by JULIE
Sat Jan 21, 2012 7:39 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3264

Re: Justifying 2007 Acura MDX purchase

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...
by JULIE
Sat Jan 21, 2012 1:13 am
Forum: Personal Finance (Not Investing)
Topic: What Percentage of your Gross Income for Housing & Auto?
Replies: 87
Views: 8493

Re: What Percentage of your Gross Income for Housing & Auto?

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

31.1% with the extra payments.
by JULIE
Fri Jan 20, 2012 7:02 pm
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 6087

Re: Boglehead food cost Poll

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.
by JULIE
Fri Jan 20, 2012 9:15 am
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 6087

Re: Boglehead food cost Poll

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 ...
by JULIE
Thu Jan 19, 2012 7:42 am
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 6087

Re: Boglehead food cost Poll

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...
by JULIE
Wed Jan 18, 2012 3:56 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9716

Re: Best Cell Phone Plan for unlimited everything - $30

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 ...
by JULIE
Wed Jan 18, 2012 2:26 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9716

Re: Best Cell Phone Plan for unlimited everything - $30

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...
by JULIE
Wed Jan 18, 2012 2:07 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9716

Re: Best Cell Phone Plan for unlimited everything - $30

Net10 offers unlimited talk, text, web for $30 a month. They sell Android phones. No contract.
by JULIE
Wed Jan 18, 2012 2:04 pm
Forum: Personal Consumer Issues
Topic: cut the land line with magicjack plus
Replies: 42
Views: 5296

Re: cut the land line with magicjack plus

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.
by JULIE
Wed Jan 18, 2012 11:31 am
Forum: Personal Consumer Issues
Topic: Did you ever regret your career choice
Replies: 54
Views: 5763

Re: Did you ever regret your career choice

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.
by JULIE
Tue Jan 17, 2012 10:51 pm
Forum: Personal Consumer Issues
Topic: Need some advice on shredder
Replies: 39
Views: 3702

Re: Need some advise on shredder

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...
by JULIE
Tue Jan 17, 2012 10:48 pm
Forum: Personal Consumer Issues
Topic: Did you ever regret your career choice
Replies: 54
Views: 5763

Re: Did you ever regret your career choice

Imperabo wrote:
JULIE wrote:No. It was either be an engineer or a sex worker. I think engineer turned out ok for me. :sharebeer
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
by JULIE
Tue Jan 17, 2012 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where are the best places to do a home ReFi right now?
Replies: 29
Views: 2515

Re: Where are the best places to do a home ReFi right now?

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

As for credit score, try credit karma?
by JULIE
Tue Jan 17, 2012 10:27 pm
Forum: Personal Consumer Issues
Topic: Did you ever regret your career choice
Replies: 54
Views: 5763

Re: Did you ever regret your career choice

No. It was either be an engineer or a sex worker. I think engineer turned out ok for me. :sharebeer
by JULIE
Tue Jan 17, 2012 5:05 pm
Forum: Personal Consumer Issues
Topic: Sherlock - BBC series on Holmes set in 21st Century
Replies: 67
Views: 6628

Re: Sherlock - BBC series on Holmes set in 21st Century

I can't wait for season 3. I really enjoyed Moffat's readaptations of classics like Jekyll and now Sherlock.
by JULIE
Tue Jan 17, 2012 5:04 pm
Forum: Personal Consumer Issues
Topic: Question for Obstructionist Drivers
Replies: 171
Views: 8723

Re: Question for Obstructionist Drivers

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...
by JULIE
Tue Jan 17, 2012 4:38 pm
Forum: Personal Consumer Issues
Topic: Health Bloggers/Researchers/etc.
Replies: 2
Views: 439

Re: Health Bloggers/Researchers/etc.

I have a coworker in the same boat who is using a book called "Weightlifting for Women" It might be worth a look-over.
by JULIE
Mon Jan 16, 2012 10:05 pm
Forum: Personal Consumer Issues
Topic: Good walking hiking shoes?
Replies: 27
Views: 3677

Re: Good walking hiking shoes?

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 ;)
by JULIE
Fri Jan 13, 2012 1:07 pm
Forum: Personal Consumer Issues
Topic: Do you own Apple products?
Replies: 114
Views: 8032

Re: Do you own Apple products?

2 older ipods (video and classic) that were both won from 2 different work raffles (free).
by JULIE
Sun Sep 05, 2010 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to quit my job or do we need to refi first?
Replies: 21
Views: 3848

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...
by JULIE
Wed Sep 01, 2010 8:40 pm
Forum: Personal Consumer Issues
Topic: Love the home, but the spiral staircase...
Replies: 39
Views: 22913

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....
by JULIE
Sun Aug 29, 2010 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford it?
Replies: 35
Views: 4633

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,...
by JULIE
Sat Aug 21, 2010 9:13 am
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 19666

Around 30% gross.
by JULIE
Sat Aug 21, 2010 9:06 am
Forum: Personal Consumer Issues
Topic: Death of the 'McMansion': Era Of Supersized Homes Is Over
Replies: 135
Views: 16164

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...
by JULIE
Wed Aug 18, 2010 4:09 am
Forum: Investing - Help with Personal Investments
Topic: TSP and TIPS
Replies: 9
Views: 2118

alec - ha! Not everyone wants or gets RDO.

I am beginning to realize how good the G fund is myself.
by JULIE
Tue Aug 10, 2010 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 12931

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...
by JULIE
Mon Aug 09, 2010 7:11 pm
Forum: Investing - Theory, News & General
Topic: How rich is rich?
Replies: 73
Views: 10601

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.
by JULIE
Mon Aug 09, 2010 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 12931

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...
by JULIE
Sun Aug 08, 2010 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Washington, DC vs Charlotte, NC
Replies: 42
Views: 9405

The only consideration for living in DC with children is that they get in-state tuition rates at any state university in the country.
by JULIE
Sun Aug 08, 2010 9:51 am
Forum: Personal Consumer Issues
Topic: BWI off site parking..
Replies: 9
Views: 1853

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.
by JULIE
Sat Aug 07, 2010 10:54 am
Forum: Personal Consumer Issues
Topic: What's your college ROI?
Replies: 47
Views: 6508

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...
by JULIE
Sat Aug 07, 2010 10:41 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 377365

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.
by JULIE
Wed Aug 04, 2010 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are you obsessed with your NET WORTH?
Replies: 97
Views: 15411

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.
by JULIE
Tue Aug 03, 2010 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Kids "sharing" a 529 account?
Replies: 21
Views: 3060

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.
by JULIE
Tue Aug 03, 2010 6:38 pm
Forum: Personal Consumer Issues
Topic: What's your extravagance?
Replies: 98
Views: 12753

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.
by JULIE
Tue Aug 03, 2010 6:35 pm
Forum: Personal Consumer Issues
Topic: Blackberry or Droid
Replies: 96
Views: 17639

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.