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    Originally posted by scfr View Post
    the cassette tape player stopped working ages ago
    I'd have a problem with that. I use my cassette player every day. That's how I connect my iPhone to play through the car stereo. But my car is "only" 12 years old.
    Steve

    * Despite the high cost of living, it remains very popular.
    * Why should I pay for my daughter's education when she already knows everything?
    * There are no shortcuts to anywhere worth going.

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      And...my wife went to Kroger over the weekend. She scored 5 boxes of Triscuits crackers and 5 bricks of cheese for 1 buck each. That's a good deal and a win.

      IMG_6396.jpg

      james.c.hendrickson@gmail.com
      202.468.6043

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        I finally have good news. We saved $1,000 on a mattress for our daughter. She was in desperate need of a new one, and the Serta hybrid she picked out was "on sale" for $2,000. It is a very nice mattress, but I'm not spending that kind of money on a mattress for a kid. Did some online research and a place called Bob's has a near clone that scored a bit high in customer satisfaction than the Serta, and they just recently opened near our house. We would have saved more, but we opted to upgrade to a queen since her little cousins got into a fist fight here last week because all three couldn't fit on the full size bed.

        A rebate Visa I forgot about finally came, so I used it to buy my daughter a sound machine and a new brand of Frankincense that was only $6 with an Amazon coupon. I'm hoping it works as well as the other brand I have.

        Finally, my other family members returned to their house so no more broken coffee cups, clogged toilets, and refrigerators left open because people don't know how to close a French door properly.

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          Some earnings wins this week: DH test drove a car in exchange for a $50 Visa Card, I volunteered to work a couple hours over the holiday weekend, and DH picked up some side work (helping out a friendly competitor of his business).
          A couple savings wins this week: I received and used a $20 off coupon for trying grocery delivery for the first time, and DH did a little fancy travel manuevering on a business trip to save $180.

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            We finally received a small bonus yesterday. Almost half goes for a new mattress for our daughter and my husband is going to the coin shop today, so I put some into the online savings before he could spend $1,000 on stupid coins!

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              Was fiddling with my master financial spreadsheet and wanted to add data that shows me the ROI by month and YTD for my savings. The data show:

              Year To Date (YTD)

              ROI is 5.52%. Overall savings asset allocation is 53/33/14 (stocks/bonds/cash equivalent). The cash is EF, college and car funds. The cash is in a MM fund making 1.86% so that helps.

              On average, I made $5,346 / month (paper money). Best month was May @ $17,548. Worst month was Mar @ -$8,742.

              Total, I have made $39,813 (again, paper money)

              Looks like we will end the year saving $290,957 (this includes 401k match, does not include returns)

              Overall, a great year so far.

              Next year is shaping up to be epic for savings if we don't go crazy on a house (rent/buy) in Dallas where we are moving. The data show we could save $500k.
              Last edited by corn18; 08-31-2018, 10:20 AM.

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                Not exactly a win but kind of. I decided to start investing $1,000/month into our taxable account at Vanguard mainly to make up for no longer being eligible to fund our Roths. When I tried to make the transaction a week or so ago, I discovered that I couldn't buy ETFs in the account we had. I needed to convert it to a brokerage account, so I did that. Then I discovered that even though the original mutual fund account was linked to our bank account, that link didn't transfer to the new account. We had to sign an authorization form and mail it in. I got an email a couple of days ago that they received and processed that. So I just went online to make the first purchase but was having trouble figuring out how to transfer money into the account. I called Vanguard and they walked me through it and I just made made the first investment so we are all set going forward. I'm planning to do the $1,000/month from now on. It's a taxable account but mainly earmarked for retirement. However, we'll have free access to it if we decide we need those funds for something else.
                Steve

                * Despite the high cost of living, it remains very popular.
                * Why should I pay for my daughter's education when she already knows everything?
                * There are no shortcuts to anywhere worth going.

                Comment


                  Originally posted by corn18 View Post
                  The cash is EF, college and car funds. The cash is in a MM fund making 1.86% so that helps.
                  If you're willing to stick some away for a bit, Nasa FCU is offering 3.25% for a 15-month Certificate. Not too shabby. Actually, a bit surprising to see better than 3% for such a short term.

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                    I have been eyeing the Blackstone griddles for a while now. I couldn't chose between the 17" and the 36" until the 17" almost fell on my head yesterday. I took it as a sign. I found the 17" on clearance at a Walmart I never shop at for $50 and I had a $100 WM gift card in my purse from Chase points. So I bought 2 and will either give one as a Christmas gift or sell it once the clearance deals dry up.

                    I chaperoned my husband at the coin shop the other day. I happened upon a few silver bars that were selling for almost spot and I could sell on Ebay right now for a small profit after fees. I plan on waiting for the spot price to go up a bit before I do, though. I decided to buy our daughter's Christmas coin while prices were down, and found a Queen's Beast Lion for $45 that is good enough to get graded. I bought another one that has a slight blemish, but they dropped their price to $40 once I pointed it out and I couldn't resist. Ungraded ones are about $65 to $85 online.

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                      I'm not sure this is a win yet or not... But, I will post in it the "win" column for now. We switched our cell service provider and reduced our monthly payment by about 60% .
                      The reason I am qualifying this is because the coverage does not seem quite as good as the previous carrier. (But, for 60% less maybe we can live with it. )

                      The part that is clearly in the "win" column is we have unlocked phones now and no contract commitment so moving to another carrier in the future would not be a big deal.

                      Comment


                        I know it isn't a permanent win, But I just checked the total on my Sharebuilder and Roth IRAs at Capital One. (we also have IRAs elsewhere). We are up to $13,300+. Up $115 since Friday and the two accounts are up $1366 since the beginning of the year. I have added some funds to the accounts but then the rest is reinvested dividends and growth. This I have saved during some really rocky times financially over the last 14-15 years I think it has been and based entirely upon saving monthly from my pattern business. I do know it can go down, but I am happy with my choices. The mutual fund that I have in my Roth IRA is up over 17% and has earned over $1000 this year! Incidentally, that growth of $1366 is MORE than my one of my SS checks. The sadness of having to quit working in my mid-40's after only having about a dozen years of well-paying jobs!

                        Got two other wins from Amazon today. Amazon's version of an American Girl 18" doll. Way too soon for the little one that is due in ONE month! But it will give me time to sew and make the doll a wardrobe with a doll to try the garments on to be sure they fit. So excited about that. Can't believe the price of these dolls. With no girl in the immediate family, I haven't priced dolls or doll accessories in years! But I know it will take me a while to accomplish the project.

                        My second Sunbeam Mix Master has been on its last legs (toenails actually) for several years, good thing I can't bake the way I used to! I have worn two mixers out in my lifetime and that doesn't count the wear and tear I put on my mom's when I was still at home! And my 40-year-old hand mixer is also on its last legs. Today I got a Braun hand held mixer with two mixing hooks, two bread dough hooks AND a small 2 cup food processor that will work with it. I got rid of my food processor years ago as I rarely used it and too many parts to clean after the fact. Seems like a nice set and I think with the MSRP of $99 and the brand name I hope means it is good quality. I'm looking forward to trying it out. It also doesn't have any vents to suck up flour, etc. when using it. I haven't been able to justify buying a new stand mixer since I can't bake like I would like to, so I waited and it came to me
                        Gailete
                        http://www.MoonwishesSewingandCrafts.com

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                          convinced my wife to update her 401k contributions from $65 per paycheck to $600 per paycheck for the remainder of the year (hopefully 7 paychecks). We'll see what happens in 2019 as this represents a significant part of her gross salary. I get to make up the difference in net take home by covering her expenses.

                          Edit to add; yes, we keep finances separate - it works very well for us.

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                            Well it has just about been another year since I was on here. Last year I was excited about Endocyte being $6 (which was a $200,000 gain). I sold off half but kept half for long term cap gains and now Endocyte is $18.50 (briefly hit $21). So I am sitting on another $250,000 unrealized gain even after selling half the shares! A win in any book I guess. Essentially have turned a $50,000 investment into $450,000...not bad. I am going to hold at least a few thousand shares because 2019 could be an approval year and it could go to $40 a share or get bought.

                            Comment


                              Originally posted by KTP View Post
                              Well it has just about been another year since I was on here. Last year I was excited about Endocyte being $6 (which was a $200,000 gain). I sold off half but kept half for long term cap gains and now Endocyte is $18.50 (briefly hit $21). So I am sitting on another $250,000 unrealized gain even after selling half the shares! A win in any book I guess. Essentially have turned a $50,000 investment into $450,000...not bad. I am going to hold at least a few thousand shares because 2019 could be an approval year and it could go to $40 a share or get bought.
                              Welcome back. That's certainly a very nice win. I'd definitely be cashing out a bunch of that but keeping some to let it ride.
                              Steve

                              * Despite the high cost of living, it remains very popular.
                              * Why should I pay for my daughter's education when she already knows everything?
                              * There are no shortcuts to anywhere worth going.

                              Comment


                                We started getting the Sunday paper for free for 16 weeks. I'm assuming it is an effort to woo us back, but I'm not falling for it. My parents are now traveling with my sister instead of us on our Thanksgiving trip, so I canceled the minivan rental. That saves about $400 and a lot of wasted time. This drop in the silver spot price is working out well for me. I bought 2 coins that I have been eyeing for a while and saved a bunch of money, in addition to the ones I had already mentioned.

                                I had to rush my dog to the vet because it looked like she broke her leg jumping out of the car. It looked nasty and she was in a lot of pain. They immediately thought the cancer spread to her leg, but it turns out that she only hyper extended a toe, so they think. I don't know how a leg can swell like that with just a toe injury, but ok. So I only had to pay $200 instead of the thousands I am accustomed to shelling out every time I walk through the door. Speaking of which, she just passed her "inspection" and now only needs to go to the specialist every 3 months instead of every month.

                                Forgot to add, my sister and I bought a commercial sno cone machine and have been renting it out. We have had it about a month and it has paid for half of the machine already. It would have probably been paid off by now if we didn't have problems with our FB posts. We expect a nice profit next summer.
                                Last edited by msomnipotent; 09-19-2018, 07:23 AM.

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