I’ve been very happy with ING/Cap

One but we figured we’d send our “spending” money to Perk Street so we could earn a fat $4/week in perks. Well, we’ve been playing Musical Debit Cards trying to find money while waiting for it to credit. It gives me a “broke” feeling that I hate.

Thanks for the hint on the app. Who’da thunk it?

I’ve not had a problem with the website

but I too have noticed how long it takes to credit the account with money. I did get the app to work, after asking a question. The key is to set up a “new user” on the app-different from the user name/password you have for the website. Stupid in my opinion and I really hate to use that word. Definitely cannot be my number 1 checking account, but its a great hidey hole for money – you can’t access it quick.

I just have to chime in here as I’m reading the thread on well behaved children

Not all children who misbehave have parents don’t actually parent. I’m a mother to four children. One of my children has severe ADHD. He is on a ritalin patch. The reason for the patch is because the medication is administered steadily through out the day versus a pill that gives him a quick dosage and then rapidly wears off. There are a number of problems with the patch usage, among them is that it burns his skin to the point that his skin can blister and sometimes bleed, and it also comes off, and he’s simply not medicated once that occurs. We haven’t any other choice other than to use this form of medication for my child as much as I wish we didn’t have to. I’m giving you this background to relay my scenario. Last Saturday we were at Mass. We always sit in the front so my children can watch the priest and servers and not become distracted on what others are doing. We had just come from a birthday party at a bounce house. I hadn’t realized it, but my little guy’s patch must have come off while he was bouncing away for a few hours. In Mass, he was all over the place and was speaking very loudly. Soon he began to roar. This is what happens when he is not on medication, he actually roars like a lion. It’s embarrassing, but it is what it is. He then announced very loudly that he had to go to the restroom. Our altar is in the front of our parish. My son has to walk past the altar, roaring, while he left for the restroom. I stayed behind with my little girl who then decides that she too must go to the restroom. For whatever reason she just takes off and runs down the aisle. She never acts like this so I don’t know what’s going on. We were sitting on a different side of the church than he customarily do, so perhaps this is what caused her to run down the aisle (not walk mind you, but run). In the meantime, I can hear my son roaring off down by the bathrooms. My daughter runs down the aisle and runs over to the organist to ask where the restroom is, all the while Mass is going on. I’m mortified. I get up from the front of church, retrieve my daughter and walk her past the altar, and out to grab my son and wait for my little girl to go to the bathroom. I decide to stay out of the church until it’s time for Communion as to not distrupt the service any longer. As I’m walking back into church in hopes to get in line, a woman comes up and just hugs me. I’m sure it’s obvious how stressed out I am. Had I been smart, I would have grabbed my purse and just left with my children, but I was a little frustrated and hadn’t thought that clearly at that moment. After Mass, I apologize to everyone around me and to our priest. Our priest kindly tells me everything was ok, and a number of people came up to me after church to tell me that my children are just children, but many parishioners just glared at me. I’m not a bad mom, and I’m certainly not a bad parent. It upsets me when I know people are judging us, yet haven’t any clue as to what is really going on. I do the best I can do, and it seems as if we encounter our biggest challenges at the most inopportune moments. My son knows he has problems, and tries his best, but he’s only in first grade, and still really hasn’t the experience to get it together at times when he knows things aren’t going well. I just ask for people to maybe step back at times before they judge what they see, because there may be a lot more to the story than what seems to be just another bratty child.

I did!

And we are ready to close our account! Nothing but trouble from day one! I haven’t had any trouble with their website being down, but I’ve seen a lot of complaints about it. Their website is really complicated to use and I haven’t gotten the app to work at all. I set it up to get a regular deposit and it takes a week for it to be credited. So we can’t get gas or groceries until they decide to credit our account with money they have had since last Friday.

You put into words exactly how I feel. As soon as we spend the money that will appear in the account any day now (geez), we’re closing the account. They can keep both of the perks we’ve built up!

it’s funny you sent this out, because I was thinking about doing the same thing, only I was going to vent about it!

I’m glad you asked that question too

I have tried to set up multiple times to automatically take $25 from one account to the perkstreet account and it will not set it up. I have not tried the app, now I don’t think I will. I have only had my account for about a month if that long. I liked the idea of perkstreet and having another account so I couldn’t gain access to it so fast, but when I cant make regular deposits it doesn’t help to save money.

Our airconditioning actually broke down the morning of our closing

Unbelievable. We did tell the buyers and told them they could walk away from the sale or we’d split the price of a new ac unit with them. In good conscience we could not go through with the closing not having been upfront with them. It still stunk, especially since we’d had the house on the market for a couple of years.

As for Jolene’s roofing situation, I think this is a good question to pose to the realtors she’s interviewing for the listing of her home. I think she should ask each of them what they suggest she and her husband should do in preparation for getting their home on the market. This way they’ll know exactly what’s on their plates and they’ll have a consensus from a few realtor pros who will have the right knowledge to guide them in this decision.

Depending upon where you are

the roof might have to be replaced before closing. You might want to look into that as you get closer to putting the house on the market. I know of 3 sales in my neighborhood that were held up for roofs and another for a tree that needed to be taken down. the buyers couldn’t get insurance on the house until those things were addressed by the sellers.

I think you could go either way on the roof

If it is too much stress to have the roof done, then don’t do it. You might want to get some estimates on what it would take to replace it. That way you know how much to allow for having the roof done when you start negotiations with prospective buyers. You’ll want to discuss this with our agent as well to let him/her know that you’ll not redo the roof.

The kinds of things you’re talking about doing are the kinds of things we did to our old house. Our roof had been completely redone in 2008 after Hurricane Gustav. We had just put in energy efficient windows earlier in the summer before we decided to list it. It didn’t necessarily add anything to the list price but it was definately a selling feature.

Definitely selling next year

We had our son evaluated on Feb 1st by a Trauma Assessment Center and we went today for the report reading…yeah it took a LONG time to get that report written and shared with us. We go back in 10 days to find out what medication is recommended.

On our way home on the one hour drive we discussed the plan for the house. We are planning to get the small projects done around the house (touch-up the paint, trim, finish some flooring projects, etc) but nothing huge. Finish cleaning out the basement and garage.

We don’t want to get into any huge projects in order to sell this house. But we do know the roof needs to be redone. Would it be better to just do it or simply be willing to take that money off the bottom line of the house price?

I finally feel like my husband and I are on the same page with the house. To sell next year. I feel better because of that….thanks for all your help ya’ll!

So I am just in love with that Ultimate Dehydrator book

by Tammy Gangloff that I blogged about (justkathrynl.blogspot.com). It inspired me, so since I read through it I have been dehydrating up a storm.

I’ve made a conscious effort to dehydrate my (get ready, drum roll please…) LEFTOVERS !!

Eeww…you’re probably saying. But take leftover sides, like vegetables and mash potatoes. You likely have decent folk in your house who know how to dish up left overs and reheat them in a microwave. My family won’t. So in the past, they have sat in the fridge, wasting away. Not anymore.

I threw the veggies on the dehydrator tray and voila! A half quart of dehydrated mixed vegs. Spread out the mashed potatoes on the tray. About 3/4 of a quart of mashed potato “bark”. Last night I made roasted butternut squash soup with the specific intent to dehydrate the leftovers rather than freeze or fridge them. This morning I have (video later on the blog) what looks like butternut squash soup leather . It will get packed up into mason jars as well.

So I’m pretty excited to have put in to motion a method which results in not wasting food or money, and adds to my food stores at no extra cost, saving me money in the long run.

I understand the I think

I have my hesitations to, but you would not believe the improvement in his leg. I have a poor quality photo of it when we came in. I will try to get then and now photos up later today. The difference is amazing. Getting him safely home and past all the steps is a huge concern. I will talk to the therapist about the best way to do that today.

When Dr. F. Was here yesterday

he said it would probably be 3-4 days before dh could go home. So when his partner Dr. C, the original dr who saw dh when he entered the hospital, asked dh if he wanted to go home today we both nearly fainted.
Dh immediately pointed out he could put almost no weight on that leg due to pain. The three of us discussed his now nearly normal looking leg, his pain etc and decided he would stay through today. He is going to work with a physical therapist and a walker today and if the therapist thinks he can do it we will go home tommorrow! Wooo Hooo!

I don’t know – what goals do you WANT to set?

Since you have 5 kids, college funding might take priority. People without kids obviously wouldn’t have that list item. Here’s what I posted in my Facebook feed:

Ok – I need to make 2015 better than 2014. Physically, mentally, financially, musically.
workout at least 30 minutes a day.
Practice music(any instrument) at least 30 minutes a day.
Learn at least one new song per week(any instrument).
Read at least one non-fiction book per month.
Release 5 lbs(or more) per month.
Build a $10,000 emergency fund.
Get my house de-cluttered, and KEEP it that way.
Find a different career besides computers to be successful in.
Join(or start) a working band.

Do you set yearly goals?

I haven’t found a form for that. We are trying to have Baby Step 3 done as fast as possible. We are debt-free except for mortgage at this point and credit card is completely destroyed. DH and I are having meetings going on this weekend to gazelle it until BS3 done. What other goals should we be setting? We are planning on going to the 3 month emergency fund and then adding in the other steps while keeping funding the emergency fund up to a 6 month level. I have a daughter in college and a son who will soon be there and we would like to help them and three more kids after them to plan for-total 5 kids to help with college.

So I talked to a broker at Scottrade today

and my mother’s broker, so hopefully in the next week or so we’ll get things moved over.

I know DR suggests that your investments be divided equally into 4 types of mutual funds:
growth and income (large cap)
Aggressive Growth (small cap)
Growth (mid cap)

Does anyone do % differently here? At the end of the day, it’s not going to be a huge dollar amount which comes my IRA way, so while in theory 9500/4 x 12% is the same money, it sure feels different when it’s just 9500 x 12%.

I am SO torn. I guess it’s because I really want it to grow “fast” since there’s not a lot of time between me and “retirement” and we have paid so much stupid tax in our lives. On the other hand, I am grateful, for real. This is not money I ever expected to have, so I do want to be wise with it.


I don’t know how old your kids are

but in addition to dual enrollment, there are a few more options to consider.

Concurrent enrollment is where kids get college credit without getting high school credit. So it’d be on top of their regular schoolwork, but….(note: different schools use different terms for different things). For example, my daughter took just two dual enrollment the first semester, but since she did well, she was allowed to take up to four classes the second semester. We had to pay for the second two that semester but it was community college so cheaper than taking Comp II or Literature with the college learn more here instant approval payday loans. Another thing I’ve seen in a few places are college programs you can do all of your 11th and 12th grade years while getting an associates degree. These are public school programs (usually), but at the community college. They usually have a focus (like the one at Richland College, Dallas, TX is focused for math, science, and leadership). There is additional support (and usually additional work). The student often has to be at the school the full amount of school hours (not just what it takes to take a full load). But it’s free to get 60+ credits which is nice. We decided not to go this route due to other priorities, but it seems like an excellent way to go for many families.
Of course, there are some pay options also. Many universities have had a program like the one above for years (I considered one when I was in high school). And then if your student is highly gifted, you might consider Stanford University’s distance learning high school. BTW, Stanford’s programs for youth have a very generous financial aid program. We were able to get most of the amount reduced when my daughter took classes through EPGY.

As time goes by, no doubt there will be many more options come available. I think this is only a good thing. The more options, the more students getting a better education 🙂 I’m glad public and private resources are coming up with GREAT ideas.

Taxes, slavery, unemployment and diseases..

all contributed, to the fall of Rome (yee ha) to the fall of Rome…

It’s a little jingle my kids learned homeschooling to remind them of some of the headlines for certain subjects they were studying.

Based on feedback here, I had pretty much decided just to take the tax hit and keep the inherited money liquid vs putting it into an IRA.

Then I did our 2014 taxes for real (more or less, the tax tables haven’t been published yet).

If I DON’T put $6500 in an IRA for 2014, my tax bill is a whopping $2,213, that I have to PAY.

If I DO put $6500 in an IRA for 2014, I get a $262 REFUND (more or less depending on what the real tax table comes out to.)

It’s just not worth it to give the government $2200 in TAXES for 8 months of liquidity. We can each pull out $10k to buy a first home without penalty.

Yikes. I knew there would be a tax hit, but I didn’t think it would be THAT bad. Well, I guess I did know. I was thinking if I elected for them to take 20% out for taxes (which would have come to $1800), then the tax hit wouldn’t be so bad. It still would have been bad, it just would have hit earlier.

I have never willingly had a Capital One Card, and I never will

Yet fb keeps putting those so and so likes ads on my feed. I couldn’t get to sleep so I started reading the thousands of replies to that post. I am thrilled to say roughly 90% of the replies were do NOT get this or any other credit card, but especially not this one. DR was mentioned, often with a link to his website numerous times, along with his photo.

I bet that was not what Capital One had in mind when they signed up with fb.

Then there was this one post that I fell in love with “A three-inch piece of plastic can sure dig a hell of a hole…”

So this week passed with dh finally getting out of the hospital

That was well worth a shout of glee. I ran the numbers and my staying with dh only cost us $15.73 per day on average. Far cheaper than driving back and forth would have been.

When I worked on the budget yesterday I discovered that our ss cost of living raise was on our Dec checks. We hadn’t expected it until January. That was a pleasant surprise.

Dh got out of the hospital on 12/31 and the doctor visits are follow ups so we should be just paying 1 year of deductible instead of 2 right now.

Dh’s PTO ran out last week, but his employer called and reminded him he had been paying for short term disability and would qualify for it after 15 days. That will be the 7th. We started filing the paperwork today.

Because Dr J says it will be a MINIMUM of 9 more days before dh will be released to go back to work, probably longer. The office is pushing the paperwork through for us.

So I know I have to put the max into an IRA

contribution for 2014 so that I can avoid paying $2300 in taxes to the Feds. But since I have until April to make contributions, why WOULDN’T I want to put as much as I can under DH’s name thus lowering our tax liability even further, increasing our “refund”, which really means it will pay off/toward our old 2010 Fed Tax Bill?

I could keep it in the MMA (his) until April 1 as a part of the FFEF, then write a check to fund his traditional IRA.

Lightbulb on or burned out?

Even if we don’t do it this year, I’m thinking I’m going to be needing to do it going forward. We just won’t have any other way to lower our taxable income than making max contributions to an IRA unless he works somewhere that lets him put more than $13000 in a 401k.

Car loan question for a friend

I have a friend I have been helping learn the Dave plan. She is debt free except her car including her paid off house. Her car is pretty newish 0% interest till paid off with only 14 payments left. She has her baby emergency fund and is a single mother. Do you think she should keep the small efund and pay off the car ? Or fund the full emergency fund and keep making the payments ? Paying the car off early saves no money. As a mom myself I lean toward the bigger efund. Opinions ?

I love your bright spot in the middle of

all the chaos! We had a similar billing glitch about 26 years ago with dd that would have cost us in the 10’s of $1,000’s of dollars. Fortunately God blessed us with an unexpected discharge before surgery …. only so this glitch could be discovered. We were so thankful that the surgery was delayed about a week for it to be figured out with no detriment to dd. Tell your dh we are all cheering him on to better health this year …. and for you to be able to get some sleep!

Last week was seeing the faint whispers of

a normal life return to the Patterson household. Yesterday morning dawned with dh feeling better than he had in weeks and looking forward to going back to work this Thursday.

That lasted right up until about noon when severe pain in his back and nausea started. It got worse all day long and by 9 we were headed for er.

6 hours in er later they finally gave him pain meds. 6 hours after that he was admitted to a room. Shortly after that he was wheeled out for surgery for a lodged 5 mm kidney stone.

That was 1.5 hours ago, I am told it will be at least another hour before he is back in the room. It has been a long 24 hours.

Wait for it, here it comes, my Pollyana bright spot in all of this. While admitting him last night I accidentally discovered that they did not have his medicare card on file, which means medicare had not been billed for last month’s 8 day stay. How is this a bright spot you ask.

I caught it before we had been billed, so I notified the business office and they are now re billing blue cross for more money, and will also bill medicare and the nearly $4000 we were going to owe will drop in half or less. That is a huge bright spot.