Search found 104 matches

by momvesting
Wed Jan 31, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5996

Re: Choosing which room to sleep in

Maybe it isn’t about the bedroom size. If it were me, I’d want whichever room has the biggest closet. My next consideration would be how much storage is in the bathroom. If both of those things were equal I would choose the one with the least noise and the least morning light from outside.
by momvesting
Mon Dec 25, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 8888

Re: manual car for new teen driver

I’m kind of in the same boat. We recently stumbled upon the Nissan Sentra. They are overstocked and the new 2017s keep coming down in price and the base model, which is a stick shift, is now around $11k.
by momvesting
Fri Dec 22, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5847

Re: Downsizing - How much to invest in a house before selling?

I think your timeframe and how much you can do yourself are the two main issues. For example, my husband and I are good, careful painters, so in our old house and our current one we have done all of our own painting. If you can do that then the cost is negligible compared to the result, but hiring p...
by momvesting
Sun Dec 17, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: The M in STEM -- Math Activities for Elementary Kids
Replies: 11
Views: 1544

Re: The M in STEM -- Math Activities for Elementary Kids

Shapes and tesselation. Kids usually can’t picture which shapes will tessellate and which will not, it’s fun for them to try to lay it out and it is a great exercise in geometry.
by momvesting
Sat Nov 25, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff remaining auto loan or finish remaining 16 months?
Replies: 13
Views: 1399

Re: Payoff remaining auto loan or finish remaining 16 months?

Call your insurance company. See how much your premium would drop with a $1000 or $2500 deductible. This could be a major factor in your decision.
by momvesting
Sun Nov 05, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which Debt to Payoff First?!
Replies: 23
Views: 2583

Re: Which Debt to Payoff First?!

Pay off the car. Increase the 401k by at least an amount equal to what the car payment was plus some for tax savings. Increase the emergency fund with the rest.
by momvesting
Mon Jun 26, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 6050

Re: Want to downsize, see "to do" list. What to tackle first?

First of all, I agree with talking to an agent. My first thought when I read your post was that the bonus room having no windows that open might be a fire hazard that any inspector would find and may affect a sale that is already in the works when you get far enough with a buyer that you are doing a...
by momvesting
Sun Jun 25, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 2870

Re: American Airlines double charged me!

Any chance the fares you are quoting are one way? A lot of airlines are charging that way now. The two charges might be the round trip cost, one charge per person, one with the infant and one without.
by momvesting
Thu Jun 15, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage amount vs savings vs interest deduction
Replies: 26
Views: 2682

Re: Mortgage amount vs savings vs interest deduction

I went through this a few years ago (but on a smaller scale, ~$300k home, $100k saved), what I found was that it also depended on the home. Some were cheaper but needed more work, which I would want to hold back additional cash for. Some were ready to move in (to our standards), but cost more. Also,...
by momvesting
Sat Apr 29, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Getting cash back (at register, not reward) on credit card at grocery store
Replies: 10
Views: 5898

Re: Getting cash back (at register, not reward) on credit card at grocery store

My Discover card allows cash back at my local grocery store but when I get the bill, the cash back is separated from the actual purchase amount and no rewards accrue for the cash over.
by momvesting
Sun Apr 02, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Second car for larger family - ideas/suggestions?
Replies: 32
Views: 2829

Re: Second car for larger family - ideas/suggestions?

Honestly I'd go for the smallest SUV you can get with the 3rd row. Something like the Kia Sorento. That way most of the time you would not use the 3rd row but would have room for gear, but in a pinch (like if the van needs service), you can get the family into this vehicle. This would also eliminate...
by momvesting
Sun Mar 26, 2017 8:56 pm
Forum: Personal Investments
Topic: Is it time to stop investing in the 529?
Replies: 12
Views: 2902

Is it time to stop investing in the 529?

Hello all, I'm curious about the opinions of the Bogleheads about our 529 plan for our daughter. We are Utah residents and have the Utah 529 plan and earn the $190 max state income tax credit. We contribute $300/month plus kick in the extra few bucks in December to max out the tax credit (for exampl...
by momvesting
Sun Mar 19, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 24940

Re: gratuitous homeownership items

Our old house had this huge, 2-person jetted tub. Unfortunately the 40 gallon hot water heater wouldn't fill it.
by momvesting
Sun Mar 19, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 32
Views: 13853

Re: Quietest tire for 2017 Honda CRV?

Just a little FYI- usually for those types of vehicles, car tires are the quietest while truck/SUV tires are the best for handing if you have AWD. So, if you go with a quieter tire you may not have the best traction in bad weather.
by momvesting
Sun Jan 29, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How reliable are college financial aid estimators?
Replies: 3
Views: 631

How reliable are college financial aid estimators?

I'm just curious about your experiences with these estimators that you can fill out online with your financial info. Some examples: https://npc.collegeboard.org/student/app/grinnell https://npc.collegeboard.org/student/app/cornell Did anyone use these before submitting college applications and FAFSA...
by momvesting
Tue Jan 10, 2017 3:29 pm
Forum: Personal Investments
Topic: Would you make a non-qualified withdrawal from daughter’s 529?
Replies: 1
Views: 325

Re: Would you make a non-qualified withdrawal from daughter’s 529?

I think you might be able to roll over the account and take a deduction because that money has never received any tax credits before, but it has to meet any other stipulations your state may have (for example, the age of the beneficiary). Every state is different though but I'd check and see if a ro...
by momvesting
Mon Jan 09, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Turned 30! Women's advice for skin care??
Replies: 60
Views: 4826

Re: Turned 30! Women's advice for skin care??

I would like to add that you may want to start taking fish oil. I take 3 a day at meals and although I did not start it for skin care, it definitely helps. Just give it time, when I first went on it I broke out, but then my skin cleared up and stayed clearer than ever. It makes me wonder if it was j...
by momvesting
Sun Jan 08, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 23217

Re: Honda Pilot vs Toyota Highlander?

I have an '07 Pilot so I know what you are looking at with the transmission - I spent $4k replacing mine when my Pilot only had 107k miles on it. It is a known problem that Honda refuses to acknowledge or pay for, so if you go used make sure it is a new enough model to not have that problem. Also, t...
by momvesting
Sun Jan 08, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Where to in March?
Replies: 21
Views: 2544

Re: Where to in March?

Moab is a great suggestion, but look up when the Jeep Jamboree is and do not go during the Jamboree, you would hate it.
by momvesting
Wed Jan 04, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 8522

Re: spousal disagreement over how much house to buy

I think you need to look at ALL the numbers. Have you looked up the property taxes and HOAs on one of the "acceptable" cheaper homes? What about homeowners insurance? Sometimes new construction has cheaper insurance if certain safety features are installed. What about utilities? The new construction...
by momvesting
Sun Dec 04, 2016 9:27 pm
Forum: Personal Investments
Topic: Advice on 529 NY plan
Replies: 11
Views: 1078

Re: Advice on 529 NY plan

2. If you open only one 529 with $20k this year you will exceed the $14k ceiling and incur the federal "gift tax". For a possible work-around, review the tax rules on super funding a 529. I don't think that is true because there is no "gift". The OP owns the account, the kids are just beneficiaries...
by momvesting
Sun Dec 04, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 5759

Re: Not happy with my realtor

I'm a buyer and he's shown me 5 or 6 houses. I'm looking in a particular and relatively small neighborhood. Would it be unreasonable or inappropriate for me to ask him to contact the homeowners there to see if any might be interested in selling? Maybe I should stop thinking of him as my advocate. T...
by momvesting
Mon Nov 14, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Stay at home parent vs. Daycare (personal question)
Replies: 19
Views: 5120

Re: Stay at home parent vs. Daycare (personal question)

When my daughter was little, I used to work at the grocery store from 6pm to midnight. I only did it 2 days/week but could have done it more if I wanted to. While the hourly wage wasn't great, it was very easy to take off shifts. Actually I took 5 weeks off through Thanksgiving and Christmas. It was...
by momvesting
Fri Nov 11, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 26618

Re: What is your monthly grocery costs? How do you keep it low?

First, if you are looking at credit card statements, there is a good chance that those dollar amounts include more than just food. Does your family buy items like toiletries, pet food and supplies, cleaning supplies, paper products, laundry products, etc. at the grocery store? If so, then $600-700/m...
by momvesting
Fri Aug 19, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help - How to deposit a check without endorsement?
Replies: 37
Views: 12420

Re: Help - How to deposit a check without endorsement?

Can you get the checks mailed or forwarded to you overseas? It might be easier to do that and then use a bank like Discover that will accept photos to deposit them, so there is no need for you to mail them out after you received them, just sign and photograph and you are done.
by momvesting
Sun Aug 07, 2016 2:19 pm
Forum: Investing - Theory, News & General
Topic: Is there a simple way to calculate a "what if" of past performance of a fund?
Replies: 5
Views: 697

Is there a simple way to calculate a "what if" of past performance of a fund?

Ok, I know that this sounds strange, but I have a friend who is completely anti-investing, thinks it is for rich people, sees it as having barriers of entry that are too high for the average Joe, etc. I want to show a "what if" using past performance of some very basic funds. For example: I wanted t...
by momvesting
Thu Aug 04, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: iTunes mishap with child. Options?
Replies: 14
Views: 2544

Re: iTunes mishap with child. Options?

In the future, you need to first load some itunes money from gift cards on to your account for an amount your family would reasonably use on itunes. Then set up a virtual account number with a small limit as the credit card required for itunes. Citi has free virtual account numbers available and you...
by momvesting
Tue Aug 02, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: House Hunting
Replies: 16
Views: 2559

Re: House Hunting

I'm guessing location. Our subdivision is like that, we live near a very large private school that is PreK-12. We also live near the freeway (but far enogh not to hear it), near mass transit, and near a large upscale shopping area. Our subdivision is highly sought after and commands a higher price t...
by momvesting
Sat Jul 23, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 14416

Re: HOA Swimming Pool Trespassing Issue

sco wrote:Every evening before 8pm when it closes, have someone drop a bunch of Baby Ruth's in the Pool... See if it doesn't work itself out..
Ha, I was thinking of those plastic toy snakes but I like your idea better.
by momvesting
Sat Jul 23, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Budget
Replies: 24
Views: 3286

Re: Creating a Budget

Use whatever works best for your friend. Once they learn to live below their means, then they don't need a budget. Absolutely. I have a friend who uses YNAB and falls behind updating it all the time. I'm sure I would do the same. I do live below my means but keep an excel spreadsheet both to keep u...
by momvesting
Sat Jun 18, 2016 12:13 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3429

Re: Nice problem to have, Too much cash headed my way next 2.5 years

Don't be one of those money hoarders who has a nice and tidy bank balance but their house is falling down around them. Whether it is your literal house or whether it is figurative, start looking around you and see what needs to be fixed or replaced to make your life more comfortable. I'm not saying ...
by momvesting
Fri Jun 17, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: High Credit Card Debt- Need Help
Replies: 107
Views: 15652

Re: High Credit Card Debt- Need Help

Get a job or two from now until October. Throw every dime at those credit cards. Start selling stuff you don't need. Sign up to do marketing surveys, etc. to earn more cash. Have a yard sale. Seriously try to knock out a chunk of it before October comes. Then come October you still need to work howe...
by momvesting
Thu Jun 16, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 50
Views: 16292

Re: washing machine

We have an LG without an agitator. It's horrible. It weighs the clothes by spinning to set the water level. There is no adjustment to add water. It frequently leave soap scum on the clothes. It very frequently tangles them in knots. All we believe as a result of water saving features and no agitato...
by momvesting
Tue Jun 14, 2016 9:54 pm
Forum: Personal Investments
Topic: Need Help!. Best way to start saving for Home Downpayment?
Replies: 26
Views: 4646

Re: Need Help!. Best way to start saving for Home Downpayment?

I agree with others that your horizon is too short so I would keep it in FDIC insured accounts. I know savings rates are pretty dismal right now, so you might consider chasing down a few bank bonuses. For example, I know Chase is doing a $300 bonus for checking, and another $200 for savings if you h...
by momvesting
Fri Jun 10, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing from an IRA for a home that is not your first home purchase
Replies: 2
Views: 324

Borrowing from an IRA for a home that is not your first home purchase

I just wanted to pick the collective brains of the Bogleheads. There is a small chance that I *might* be able to buy a home that is in foreclosure in the near future. The home is close to habitable in its current condition but it does need work. I'm trying to calculate how much cash I can put togeth...
by momvesting
Wed Jun 08, 2016 10:03 pm
Forum: Personal Investments
Topic: Why bother with a 529?
Replies: 180
Views: 20023

Re: Why bother with a 529?

I just had to weigh in here because we have a 529 for our daughter but the rest of this discussion seems to not apply to us. Ours started very small, with me putting $79 per paycheck (I was paid twice/month) away for my baby (6 months old when we started) to go to college. Over the years we have inc...
by momvesting
Fri Jun 03, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 18601

Re: Cutting cable cord...

We cut the cord when we moved to this house 18 months ago and to be honest, we don't miss it. We pay for Netflix and hulu ($17/month combined) and we have the MLB package (free, TY T-Mobile)! We also use the NBC app and the PBS app on our Roku sometimes (both are free and do not require a cable subs...
by momvesting
Fri Jun 03, 2016 4:42 pm
Forum: Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 13080

Re: Which 529 plan are you using?

I know this probably isn't helpful, but we live in Utah, so the Utah 529 with an age-based Vanguard fund was a no-brainer for us. The state tax credit is a nice little bonus as well.
by momvesting
Fri Jun 03, 2016 4:31 pm
Forum: Personal Investments
Topic: Should I try to pay off mortgage aggressively?
Replies: 25
Views: 7129

Re: SHould I try to pay off mortgage aggressively?

If you are sure about leaving in 5 yrs or less what about an ARM?? Right now Penfed has a 5 yr ARM at 2.75%. Then I would probably divert funds to some kind of savings just in case some killer deal or dream home enters the market when you are ready to buy but have not quite sold your current home.
by momvesting
Thu Jun 02, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 11698

Re: neighbor issue - do I need a fence?

I'd get a fence for the back and side yard but I wouldn't fence the front. Instead you should rip out the grass on your side, put edging right up to the property line, and landscape your side with some tall landscape rocks. If the area is too narrow for that you could upend some flagstone as a backd...
by momvesting
Mon May 23, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 13608

Re: Painting House Interior - How easy to do it yourself?

My husband and I did our entire main area (living, kitchen, family room, stairs, hall) over Memorial Day weekend last year. I have also done several bedrooms and bathrooms, and our whole home before we moved, so I've done a lot of painting. First, try those tiny $3 samples at Home Depot, both for th...
by momvesting
Sat May 21, 2016 10:56 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 251
Views: 43310

Re: Is there a such thing as a blue collar Boglehead?

Like many others posted, I'm not technically blue collar but our HHI is in the 5 digit category. From my own experience I'd guess that a lot of blue collar and similar types don't come here because even if they are retirement planning, they don't have as many options. Using myself as an example, bef...
by momvesting
Sun May 08, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with Social Security strategy for wife
Replies: 15
Views: 1748

Re: Need help with Social Security strategy for wife

Also, this sounds dumb, but to calculate your break even point it matters quite a bit exactly how old you are. For example, if you are 13 months away from being 66 the calculations are very different then if you are 24 months away.
by momvesting
Thu May 05, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 9915

Re: How Much House

We are actually much higher than the average frugal person but I'm BIG on crunching all of the numbers so while our house/income ratio isn't great (about 4x annual income), the house we moved from, which was about 2.5x annual income actually was less convenient and overall the same price once I figu...
by momvesting
Sun May 01, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Draining the 529
Replies: 22
Views: 3061

Re: Draining the 529

My first thought is that you never know, Kid #1 may want to go to college or trade school or something later in life. If he/she does, it is only fair that you pay for it since you paid for Kid #2. Also, if #1 knows the money is lying there, maybe he/she will be more motivated to get some more educat...
by momvesting
Sat Apr 30, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Dress Pants
Replies: 13
Views: 2536

Re: Dress Pants

If you are a guy, Macy's has some pretty nice Perry Ellis ones on sale for ~$20. Some of the coupon codes will work on them as well, I bought my husband some about 2 weeks ago for $15.99/pair after a coupon. That coupon expired but there seem to always be Macy's coupons and coupon codes floating aro...
by momvesting
Mon Apr 18, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 88
Views: 17227

Re: Got a Question for Jack Bogle? Post it Here.

How do you recommend that a very young person (or a person of limited means) with a small amount available to invest monthly get started? Most brokerages have somewhat high barriers of entry (relative to the person's income) such as Vanguard's $1k Target Retirement Funds or $3k for many other funds....
by momvesting
Mon Apr 18, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund needed?
Replies: 17
Views: 2413

Re: Emergency fund needed?

I guess this all depends on what you mean by "no emergency fund". Do you at least have a little cash sitting around in a savings account for life's little mishaps? I guess since I take my checking account down to under $50 after I pay the bills, it helps to have a linked account with a little money ...
by momvesting
Fri Apr 15, 2016 8:31 pm
Forum: US Chapters
Topic: Salt Lake City Bogleheads
Replies: 61
Views: 15570

Re: Salt Lake City Bogleheads

Awesome! I just found this site and this is near where I live. I hope I can make the July meeting, and this subject is very timely for me with a 529 in place and a kiddo entering high school.
by momvesting
Wed Apr 13, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 6361

Re: How do you find more satisfaction while living below your means?

For example, I love cars and spend probably more than average time thinking about them and making stupid scenarios in my head. This just reminded me of a situation at work. I have a coworker who bought a shiny, new, expensive something (sorry, I'm so not a car person, I think it is a Range Rover). ...