Search found 108 matches

by ginyah
Wed May 27, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 4839

Re: Money and cell phones when traveling to Canada

Using a US cell phone in Canada is very expensive unless Canada is already on your call plan. Getting data there is even more expensive. WiFi is your best bet. Exchange your money while in Canada. They give the best rates. Since I live close to the border and go to Canada often I don't even have to ...
by ginyah
Fri Oct 03, 2014 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: BIG ($180k) student debt!! Strategy needed.
Replies: 54
Views: 9949

Re: BIG ($180k) student debt!! Strategy needed.

Live on your income, put all she earns into paying off her debt. The good thing about this is you both will feel that she paid her student debts and you will learn to live below your means. When the debt is paid, you can put her income into retirement savings or towards a down payment on a house. Le...
by ginyah
Sat Sep 06, 2014 4:45 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 18325

Re: A 'really good book' you did NOT enjoy

Moby Dick - I have had to write a book report on it in high school and again in college and in truth I never could get past the first couple of chapters. It was terribly boring! Thank God for Cliff notes.
by ginyah
Wed Sep 03, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3885
Views: 1085943

Re: What Movie Have You Recently Watched?

Loved Guardians of the Galaxy. Was surprised that when I took my grandson to see Teenage Mutant Ninja Turtles that I actually enjoyed that one also.
by ginyah
Sat May 31, 2014 5:01 pm
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 3571

Re: Budget for charitable giving

Last year I gave 9% of my after tax income to charity. I am working my way up to 10%. I firmly believe that what you give away will come back to you in many ways whether it is in kindness, good will, opportunities, smiles, or even financial advantages. I give to all 3 of the colleges I received degr...
by ginyah
Wed May 28, 2014 9:33 am
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 4045

Re: in-laws/student loans

If I were you I would start paying off the student loans you cosigned for. They are just accumulating interest now. Your sister in law can always pay you back when she gets a job. This way you reduce the amount of total debt owed as well as your risk that she defaults on the loans and ruins your cre...
by ginyah
Wed Apr 23, 2014 11:15 am
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 22150

Re: Where would you retire, if $ were no object?

Toronto, ON but I can't afford it.
by ginyah
Wed Apr 16, 2014 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Home Sale
Replies: 15
Views: 1472

Re: Help with Home Sale

sometimes a bank will give you a 'bridge loan' to cover you until you close on the old house.
by ginyah
Mon Feb 24, 2014 10:04 am
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 19
Views: 2318

Re: Things to do in St.Louis with a toddler

I love visiting St. Louis with my grandchildren. I would recommend the zoo and the science museum. You can look on explorestlouis.com for more ideas of what to do with young children. Have a wonderful trip!
by ginyah
Mon Jan 13, 2014 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 10032

Re: School District Not Allowing me To Invest

I am a retired teacher from NYS. The DB plan in NYS is one of the best in the country. It is fully funded and the State's constitution requires that pensions be funded. It is administered outside State government. I congratulate OP for starting a Roth IRA. I also would support funding a taxable IRA ...
by ginyah
Sun Dec 22, 2013 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Kids in 5 years. Preparation with finances.
Replies: 40
Views: 2724

Re: Kids in 5 years. Preparation with finances.

I think you are doing well financially. My only advise would be to keep the house you have now and raise your children there. Kids really don't need a big house. If they need room to play there is the whole outdoors to use - good for noise control and for health/physical development. If you have two...
by ginyah
Sun Dec 15, 2013 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Suggestions - for a 9 year old girl
Replies: 25
Views: 2416

Re: Gift Suggestions - for a 9 year old girl

Have 9 year old and 8 year old granddaughters. American Girl is their best friend. A doll will cost about $100 but if she already has one there are clothes you can buy, pets, beds, cars, baths, etc. you can add to their collection. My niece considered having an American Girl doll a 'status symbol'. ...
by ginyah
Sat Oct 26, 2013 8:55 am
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 7984

Re: Elope to Save Money?

My nephew and his wife had a small ceremony at a local park and then did a BBQ for all the relatives and friends. It was a cost effective way of having a 'shindig' without the big price tag and they were able to invite everyone they wanted. If you don't care about all the fancy details I would think...
by ginyah
Mon Oct 07, 2013 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Second career in teaching?
Replies: 28
Views: 2925

Re: Second career in teaching?

Where I live even the community colleges are looking for people with doctorates. You might be able to do adjunct work with a Masters especially if it is in a field like nursing, PT, OT etc. but to get a full time job you need a doctorate in your field. Adjunct work here only pays about $3000 per cou...
by ginyah
Sun Jul 28, 2013 12:28 pm
Forum: Personal Consumer Issues
Topic: Family vacation - need some bogle wisdom
Replies: 18
Views: 2336

Re: Family vacation - need some bogle wisdom

While in the Buffalo region I would suggest you look at spending some time at Fort Niagara in Youngstown, NY. They have re-enactors explain about colonial times, the French and Indian War as well as the War of 1812. (One of the few wars where both sides say they won) There really isn't that much to ...
by ginyah
Wed Jun 26, 2013 7:33 am
Forum: Personal Consumer Issues
Topic: Are you expected to subsidize friends and family?
Replies: 52
Views: 7596

Re: Are you expected to subsidize friends and family?

Let me just share my experiences on the other side of this coin. As a single parent I often had less disposable cash than my friends and family. Family affairs were usually planned with little out of pocket expenses except for hotel stays. When that happened my family always offered to let me stay a...
by ginyah
Mon Jun 03, 2013 11:56 am
Forum: Personal Consumer Issues
Topic: Does anyone own a Hyundai?
Replies: 71
Views: 8353

Re: Does anyone own a Hyundai?

I had a 2003 Camry for 10 years, 187,000 miles on it. Gave it to my SIL and he is loving it after almost a year. I bought a new 2013 Sonata and so far I am very pleased. I get (on average) 26 mpg short trips and 36mpg for highway driving. I really like to drive and drive long distances. It really hu...
by ginyah
Wed May 08, 2013 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Having a renter deposit rent directly at bank?
Replies: 32
Views: 3500

Re: Having a renter deposit rent directly at bank?

I have learned that people who don't have bank accounts often have a history of trouble with money. My old tenants didn't have a bank account and sent me the rent via money order. Everything was good until they stopped paying rent. I had to evict them and found that they had done thousands of dollar...
by ginyah
Mon Apr 15, 2013 10:44 am
Forum: Personal Consumer Issues
Topic: Going to London
Replies: 26
Views: 3111

Re: Going to London

1. Tower of London - spent 2 days there
2. Hampton Court - short train ride out
3. Changing of the Guard
4. Kensington Palace
5. I loved the tobacco shops
by ginyah
Fri Apr 12, 2013 10:36 am
Forum: Personal Finance (Not Investing)
Topic: How important is a good school district?
Replies: 65
Views: 5089

Re: How important is a good school district?

What about private schools in your current area?
by ginyah
Mon Mar 04, 2013 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Need help figuring out how to reduce expenses and pay debt
Replies: 21
Views: 2503

Re: Need help figuring out how to reduce expenses and pay de

IMO you should sell the house. You obviously cannot afford the house and continue the lifestyle you want. It is always a choice. Live big today or save to live well tomorrow. But continuing to accrue debt is a not a way to live. Use any profit from the house to clear debt and start saving more for r...
by ginyah
Tue Feb 12, 2013 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Leave defined benefit plan for defined contribution plan?
Replies: 10
Views: 1759

Re: Leave defined benefit plan for defined contribution plan

I am a beneficiary of one of the NYS defined benefit pension plan - NYS teachers retirement plan. To the best of my knowledge there are no health benefits involved in the plans so health care costs do not effect benefits paid out. I do think that some local municipalities have included health care a...
by ginyah
Sun Feb 03, 2013 4:19 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 48325

Re: What's your usual retirement day like ?

Duplicate Bridge, taiqi, two literary groups, travel, grandchildren, reading, tv, internet, dinner and movies, cooking, shoveling snow,politics, serving as board member for community organizations, shopping, etc. Rarely do I get bored but it does happen on occasion - but that happened when I was wor...
by ginyah
Fri Feb 01, 2013 12:54 pm
Forum: Personal Consumer Issues
Topic: Mexico Travel Recommendation
Replies: 4
Views: 617

Re: Mexico Travel Recommendation

When I first started looking at international travel I did the Hep A and Hep B vaccines. An ounce of prevention is worth a pound of cure.
by ginyah
Sat Jan 26, 2013 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Divorced after 35 years [Insurance, housing, portfolio help]
Replies: 19
Views: 3720

Re: Divorced after 35 years [Insurance, housing, portfolio h

I'm a little confused. Are there young children still in the house? Is she getting child support for them? Does their father have health insurance? Does he carry his children on his policy? I am so sorry your mother is going through such a heartbreaking and difficult experience. Did your mother have...
by ginyah
Fri Jan 04, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: Visit to London
Replies: 40
Views: 2738

Re: Visit to London

The Indian food in London is fantastic!
by ginyah
Fri Jan 04, 2013 4:00 pm
Forum: Personal Consumer Issues
Topic: Home Furnace: Brand Recommendations
Replies: 36
Views: 6832

Re: Home Furnace: Brand Recommendations

I bought a Trane 3 years ago. I live in the northeast with very cold winters. My heat bill went from over $300/mo to $113.17 this month. I have saved enough on heat bills to pay for it in two years. And that doesn't count the tax rebate I got which meant it was paid for in savings in 1 year. I did g...
by ginyah
Fri Jan 04, 2013 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is This A Good Plan For A Modest Inheritance?
Replies: 16
Views: 1999

Re: Is This A Good Plan For A Modest Inheritance?

If you pay off your loans you will have more money to put into your retirement accounts every month. You will also be earning the 1.5% interest on the money you would have been paying to the loan holder. IMHO I would pay off the loans, increase my monthly retirement contributions and be very thankfu...
by ginyah
Thu Jan 03, 2013 9:33 am
Forum: Personal Consumer Issues
Topic: Visit to London
Replies: 40
Views: 2738

Re: Visit to London

Tower of London - I spent two days there and loved every minute of it. So much history and you really feel like you were in England at the end of it.
by ginyah
Wed Dec 19, 2012 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying A Car In Texas
Replies: 36
Views: 3122

Re: Buying A Car In Texas

You mentioned possibly leasing the car. In my experience most leases have low mileage limits on them. If your son drives the car from Texas home on vacations he will be putting mega miles on the car and when you turn it in at the end of the lease you will have huge additional fees. Much better to pu...
by ginyah
Wed Dec 19, 2012 8:01 am
Forum: Personal Consumer Issues
Topic: Can't think of x-mas gift to give wife...
Replies: 44
Views: 4647

Re: Can't think of x-mas gift to give wife...

I love the ideas about a dinner out, a spa treatment and/or a short trip without the children. In my opinion the most important part of any of these gifts is for the husband to arrange the childcare and making the reservations for the event. If it is just the 'gift certificate' with the arrangements...
by ginyah
Mon Dec 10, 2012 7:57 am
Forum: Personal Consumer Issues
Topic: Amazon Prime is worth it
Replies: 70
Views: 8031

Re: Amazon Prime is worth it

OP- if your wife bought Prime she can give it to you free. My daughter buys Prime and lists me and her sister on her membership. We both get Prime for 'free'. So instead of $80/yr. it costs c.$26/person. I think it is a great deal but maybe that is because I buy a lot on Amazon. And by the by my UPS...
by ginyah
Fri Nov 30, 2012 9:06 pm
Forum: Personal Consumer Issues
Topic: Vacation to Washington DC
Replies: 44
Views: 3857

Re: Vacation to Washington DC

I just returned from DC with my grandchildren. I stayed in Alexandria and took Metro into DC. Easy walks to all sights. I agree with recommendation to eat at the Museum of the American Indian. We all found food we liked that was excellently prepared. Great exhibits there also. Only disappointment wa...
by ginyah
Mon Oct 29, 2012 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Spacious townhome with high HOA vs townhome with low HOA
Replies: 23
Views: 2081

Re: Spacious townhome with high HOA vs townhome with low HOA

Just something to remember -HOA fees can change at any time. IMO pick the one you like the most.
by ginyah
Fri Oct 26, 2012 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How to best pay back a $200k loan from the parents
Replies: 87
Views: 6658

Re: How to best pay back a $200k loan from the parents

I have read this post with both awe and humor. Lightheir, you can gift your parents $13,000 each year. You and your wife therefore can give each of your parents $26,000 each year without requiring a gift tax, That means you could repay your parents $52,000 per year without the IRS being involved at ...
by ginyah
Fri Sep 28, 2012 8:32 am
Forum: Personal Consumer Issues
Topic: At what price is an extended warranty worth it? - Toyota
Replies: 20
Views: 15132

Re: At what price is an extended warranty worth it? - Toyota

My 2003 Camry had 184,000 miles on it when I gave it to my son-in-law. He loves it and is so happy to have a great car in great condition. The only thing I ever did was change to oil regularly to maintain the car. Of course I changed tires when needed and kept the brakes in good condition. I had to ...
by ginyah
Mon Aug 20, 2012 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Better to pay down 0% CC or 2nd mortgage
Replies: 18
Views: 2770

Re: Better to pay down 0% CC or 2nd mortgage

I don't know the terms of your 0% credit but I do know that some of these deals have special clauses. If you don't pay off the entire amount before the term is up then they charge you interest from the first day of the loan. I have in the past taken advantage of a 0% loan on a credit card with no tr...
by ginyah
Wed Aug 15, 2012 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with our UL 217,000 cash out money?
Replies: 21
Views: 2412

Re: What to do?

It seems to me that a lot of what you need money for in retirement is a place to live. If you pay off your mortgage you won't need to worry about that expense. You would still have taxes and repairs to pay for but this is much less than rent or a mortgage payment. I paid off my mortgage and couldn't...
by ginyah
Sun Aug 12, 2012 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Post-Spending Regret
Replies: 64
Views: 6313

Re: Post-Spending Regret

Just a point of information please - are you married but not going to do a big 'wedding' or are you not getting married because of the expense? I agree it is foolish to spend a lot of money on a wedding but everything I've read says that married couples have more wealth than singles. Just trying to ...
by ginyah
Sun Aug 12, 2012 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Receiving 250-300k And Torn On How To Grow It
Replies: 42
Views: 3931

Re: Receiving 250-300k And Torn On How To Grow It

I see that you want to be a doctor. Do you already have the money set aside to pay for college and med school? If not that your injury award will go a long way to paying those costs, thought it may not cover it entirely. Rather than worrying about how to invest it in a business or real estate or the...
by ginyah
Wed Jul 25, 2012 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Need advice: aging relative with severe debt
Replies: 18
Views: 3739

Re: Need advice: aging relative with severe debt

I heard that most states have a time limit on how long someone can try to collect an unsecured debt. Where I live it is 6 years. If you don't pay anything on it, don't offer to pay anything on it and don't respond to any letters etc. the only thing they can do is 'ding' your credit score. In this ca...
by ginyah
Mon May 28, 2012 6:18 am
Forum: Personal Consumer Issues
Topic: Pellet gun recommendation?
Replies: 35
Views: 3617

Re: Pellet gun recommendation?

If all you are looking for is a solution to the rabbit problem, get a cat and let it go outdoors. I f you go to the shelter to get one, get an adult who is known as a mouser. The cat will handle the rabbits. I am lucky, my neighbors have a cat and so the rabbits stay away from my house also. Just an...
by ginyah
Sun May 20, 2012 8:47 am
Forum: Personal Consumer Issues
Topic: Advice for work issue for a friend
Replies: 25
Views: 2559

Re: Advice for work issue for a friend

I have now read three threads about how your 'friends' are having issues. I am sorry your friends have so many problems. Maybe they should be posting here themselves about their problems and you should post about issues you may be having.
by ginyah
Mon Apr 30, 2012 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for mother's retirement
Replies: 18
Views: 1428

Re: Advice for mother's retirement

Horses are hideously expensive - ferrier, vet, dentist, food, exercise, etc. While she probably loves her horses, can she really afford them? Has she tried the SPCA to surrender her horses? Is she having a hard time emotionally with the idea of changing her life? Is she willing to sell the land for ...
by ginyah
Tue Apr 24, 2012 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: early retirement health insurance
Replies: 17
Views: 2079

Re: early retirement health insurance

I write the check to my former employer. Insurance company is aware of situation. They have a clause in regard to medicare.
by ginyah
Tue Apr 24, 2012 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: early retirement health insurance
Replies: 17
Views: 2079

Re: early retirement health insurance

I negotiated with my employer prior to retirement to be able to buy into the group health policy at full cost to me. Being part of the group kept my costs low - less than $5000 a year for a single person. great benefits including prescription costs. Have continued to purchase after medicare kicked i...
by ginyah
Sun Apr 15, 2012 7:16 am
Forum: Personal Consumer Issues
Topic: Selling Used Books
Replies: 41
Views: 5614

Re: Selling Used Books

I like to collect books some of which are out of print or just unusual. I often shop at alibris.com. They have a unique set of books. If some of your books have special value than I would look to sell them at this site. They often have multiple copies of books and different prices depending on condi...
by ginyah
Wed Apr 11, 2012 8:31 am
Forum: Personal Finance (Not Investing)
Topic: old loan with no pmi, refinance with pmi?
Replies: 5
Views: 699

Re: old loan with no pmi, refinance with pmi?

A lot depends upon what your old interest rate is and what the new rate would be, how long your old mortgage is and how long the new one would be (30 years, 15 or 10) You just need to figure the PMI into your transactional costs and how long it is going to take to recover those costs. To get opinion...
by ginyah
Mon Apr 02, 2012 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me help my recently divorced sister
Replies: 27
Views: 2625

Re: Please help me help my recently divorced sister

Just a point of information here - the reason someone with a good income should receive child support is that the money is to support the child in the lifestyle the child was entitled to if both parents had stayed together. The children should not be punished just because the parents decided to divo...