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Viewing profile - nesterenes

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nesterenes
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Joined: Thu Jul 03, 2008 7:22 am
Last visited: Mon Dec 31, 2012 11:38 am
Total posts: 82
[0.09% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 51 Posts / 62.20% of user’s posts ]
Most active topic: Dealing with Spouses and "Want" Purchases
[ 5 Posts / 6.10% of user’s posts ]

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Location: Grand Rapids, MI
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Website: http://thinkg33k.com

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nesterenes Posts

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 Forum: Personal Finance   Topic: Looking for a Bank Account with Micro savings accounts

Posted: Fri Sep 30, 2011 11:09 am 

Replies: 13
Views: 1729


I'm looking for a bank account which I can open and close accounts / sub-divide an account online at any time. Basically I need micro-savings accounts for individually dividing each goal. I know there out there.... any suggestions? PNC Virtual Wallet looks good, but not sure if I can sub-divide the ...

 Forum: Personal Development   Topic: Bachlors, Masters, or None?

 Post subject: Bachlors, Masters, or None?
Posted: Fri Feb 18, 2011 6:55 am 

Replies: 6
Views: 3735


Let's start by saying I'm in a very lucky spot. I have a BA degree, and a good job. My work has given me liberty to go back to school AND pay for 1/2 with no strings attached. I'm comfortable in my job, don't plan to leave, and believe no matter my choice; new opportunity will present itself for gro...

 Forum: Personal Finance   Topic: Paying kids for good grades... good or bad idea?

Posted: Tue Mar 16, 2010 6:15 am 

Replies: 5
Views: 1171


I'm considering paying my teen for good grades. Here's my logic: 1. Going to school and getting good grades IS a kid's job as a teen 2. Rewarding grades with a cash bonus for performance 3. Incentive to perform well Potential drawbacks: 1. Unmotivated when at college (payments stop) 2. Performing ba...

 Forum: Personal Finance   Topic: Beginning a Kid's College Fund...

Posted: Tue Feb 23, 2010 6:30 am 

Replies: 3
Views: 2532


Sidewinder - Thanks for the reply. You raise some great options. 1) Child is 2-years. Lots of time, however I want them to have flexibility to go to any school in the US. I like the idea of pre-pay w/ MET, however seems a bit inflexible. 2) Thanks for identifying the 529 plan. It's definitely a soli...

 Forum: Personal Finance   Topic: Beginning a Kid's College Fund...

Posted: Mon Feb 22, 2010 12:52 pm 

Replies: 3
Views: 2532


What's the best way to save for a kid's college fund? Where do I start? High yield savings account, a CD, or IRA? What about state programs? Benefits / draw-backs? Example here for my state: http://www.misaves.com/ourplan/index.html . What are the tax benefits / implications? Defer tax or pay 'em? T...

 Forum: General Discussion   Topic: Anyone use/heard of Ooma - Free(ish) VOIP service?

Posted: Thu Feb 18, 2010 9:26 am 

Replies: 5
Views: 3471


Good to hear the positive feedback about the Ooma system. Sounds like a good system. I've considered purchasing but the intro price was tough to stomach.

For the record, MagicJack is not a good service. Not entirely bad, but you get what you pay for.

 Forum: General Discussion   Topic: You might be a GRS reader if...

Posted: Thu Feb 18, 2010 9:20 am 

Replies: 9
Views: 3513


... you try to budget your peanut butter and/or jelly when making a PB&J. ... you play online games and never spend any in-game money. ... the car you drive has over 200k miles on it. ... you fight the urge to lecture someone who buys a brand new car. ... you know what JD, GRS, and DR acronyms a...

 Forum: Personal Development   Topic: Credit Card spending plan doesn't work for me

Posted: Tue Oct 20, 2009 9:36 am 

Replies: 33
Views: 15369


Originally I was just using it for Groceries and lunch. My new rule is for Fixed-Cost items only. Things I am regularly spending money on (minus food, because that's where I go over-board). So now I pay my cell phone bill, and utilities as able with the Rewards CC. Fixed cost items only. It's a litt...

 Forum: Personal Finance   Topic: Starting my First Post College Job - How is my budget?

Posted: Wed Oct 14, 2009 6:40 am 

Replies: 16
Views: 2927


Your budget looks great. Well thought out and realistic. Advice #1: Agreed with the other poster: Get Renters Insurance. Mine is $150 a year and has paid off twice! Also, I received a $150 multi-policy discount on my car insurance, so the renters insurance was virtually FREE Advice#2: Track your spe...

 Forum: Tips, Tricks, Links, Pointers   Topic: Has anyone else used Magicjack?

Posted: Wed Oct 14, 2009 5:31 am 

Replies: 25
Views: 23124


Yes. In theory, the person on the other end of the conversation isn't aware of the difference. MagicJack uses a normal phone, which plugs into a USB adapter into your computer. And cordless phones work fine. In fact I have 3 phones running off a single jack (1 base + 2 handsets). In practice; I foun...

 Forum: Personal Development   Topic: Credit Card spending plan doesn't work for me

Posted: Wed Oct 14, 2009 5:16 am 

Replies: 33
Views: 15369


I've been managing a budget successfully for over 2 years now, spending less than what I earned. Two months ago I tried to change my spending habits to Credit Card spending which would be paid off in full every month. This system has failed for me. It's made me reckless with my spending. More willin...

 Forum: Personal Finance   Topic: When it's not okay to go cheap!

Posted: Mon Aug 17, 2009 7:08 am 

Replies: 35
Views: 6881


I went to my local thrifty store over the weekend, and decided to try out some bargain shaving razors for my face. Generally I use the Mach 3, which I think averages about $3 a blade. These were 4 blade system razors, that's one more than the Mach 3!! It must be better... right? Not so... it turns o...

 Forum: Tips, Tricks, Links, Pointers   Topic: good free webhost

Posted: Fri Jul 24, 2009 11:10 am 

Replies: 0
Views: 2471


Confirmed. Site looks good.

Thanks for the tip!

 Forum: Success Stories   Topic: I sold a garbage TV on Craigslist for $100 bucks! Win-Win

Posted: Fri Jul 24, 2009 6:22 am 

Replies: 2
Views: 4844


Sold a 52" TV in need of repair for $100 bucks on Craigslist. Guy just wanted it to repair another TV of the same model.

Got the darn thing out of my basement, and made some cash too!

Win for him, Win for me!
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