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Viewing profile - mskalinin

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mskalinin
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Joined: Thu Jul 17, 2008 8:37 pm
Last visited: Thu Apr 11, 2013 3:15 pm
Total posts: 230
[0.26% of all posts / 0.08 posts per day]
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Most active forum: Personal Finance
[ 197 Posts / 85.65% of user’s posts ]
Most active topic: How to build a credit history if can't get a card??
[ 8 Posts / 3.48% of user’s posts ]

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Location: Upstate NY
Occupation: Healthcare
Interests: Skiing, Hiking, Camping, crocheting, cooking etc
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mskalinin Posts

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 Forum: Personal Finance   Topic: New Grad: Am I Living Beyond My Means?

Posted: Sun Oct 14, 2012 6:22 pm 

Replies: 27
Views: 3545


I also agree with everything Tim said, gas seems high, groceries definitely seem high (my family of three spends about $350/mo for comparison, and we buy a lot of organic so we aren't exactly scrimping). What city are we talking here, big city like DC, Chicago, NYC or LA? Seattle perhaps? Or is it a...

 Forum: Personal Finance   Topic: Savings returns, where should we save?

Posted: Sat Dec 17, 2011 9:56 am 

Replies: 3
Views: 1323


I guess I forgot to mention, but we have about $11k in savings, $7.5k is in an efund at ING, so that isn't a prob. We are just looking for a new place to start sending money. I am glad to hear we can open a Roth for me, I think we will do that. We're paying cash for my schooling so, loans also not a...

 Forum: Personal Finance   Topic: Savings returns, where should we save?

Posted: Sat Dec 17, 2011 8:12 am 

Replies: 3
Views: 1323


Hi all, haven't posted in a while. My husband and I are savers by nature but watching our returns drop continually is really putting a wet blanket on our incentive to send more money to ING and HSBC. Its not really even worth it at this point. The only semi-liquid account we have that is getting a d...

 Forum: Personal Finance   Topic: Overwhelming Student debt and lower paying career... advice?

Posted: Wed Oct 26, 2011 7:47 pm 

Replies: 31
Views: 3611


Could you get a bar tending job, or cocktail waitress? I worked through college as a cocktail waitress three nights a week (10pm-4am) and made anywhere from $60 to $300 per night depending on how busy it was. And you only get paid like $4 per hour so hardly any taxing if you don't report all tips......

 Forum: Personal Finance   Topic: Health Insurance - Pregnancy

Posted: Sun Sep 11, 2011 8:17 am 

Replies: 26
Views: 3656


I don't know if OP is still reading this, but I had my son about 4 months ago. For an unmedicated hospital birth it cost me roughly $7,000 (before insurance coverage). I know most direct pay customers get some of that written off. My son had jaundice and was under the bili lights for a couple days, ...

 Forum: Personal Finance   Topic: What's the best car choice for someone with a long commute?

Posted: Sat Sep 10, 2011 8:32 pm 

Replies: 9
Views: 2235


I'm actually in a very similar situation. I travel 55 miles one way to school, 80% of that on the highway. My husband and I thought about getting a newer car for the reliability factor but ultimately we decided a POS used car was a better bet. I will be piling miles on it and will most likely get a ...

 Forum: Personal Finance   Topic: Would you buy silver?

 Post subject: Re: Would you buy silver?
Posted: Wed Aug 24, 2011 12:42 pm 

Replies: 10
Views: 2737


My husband and I buy silver bars when the prices are good. We bought some in 2008 at about $16/oz so we have made a nice profit if we were to sell now (we have about $1500 worth). But we don't buy it A LOT and we only see it as bonus money, not a huge investment. When we recently bought our house we...

 Forum: Personal Finance   Topic: Comcast Bundle Bill

 Post subject: Re: Comcast Bundle Bill
Posted: Wed Jun 29, 2011 7:30 am 

Replies: 23
Views: 3243


Vonage is a landline but its through the internet. We have never had a problem with it, the only thing is if you lose power you lose phone service. But we have a regular phone hooked up for 911 calls (which are free) in an emergency. The internet line goes through the Vonage modem and there is a pho...

 Forum: Personal Finance   Topic: Rent or Buy... the age old question.

Posted: Wed Jun 29, 2011 7:14 am 

Replies: 16
Views: 2298


This is coming from someone who lived with her parents while married for 6 months, so I know how you feel.

If I were you I would wait until your gf decides on and gets into a school. That information would make your decision a much more educated one.

 Forum: Personal Finance   Topic: Comcast Bundle Bill

 Post subject: Re: Comcast Bundle Bill
Posted: Wed Jun 29, 2011 7:02 am 

Replies: 23
Views: 3243


We only pay for internet through the cable company. I have always hated how they basically get to have a monopoly. Sure there are different companies (Time Warner, Comcast, Charter) but in any given area there is really no competition. We have Vonage for our phone, which is $12/mo for 300 minutes an...

 Forum: Personal Finance   Topic: Thoughts on my mortgage plan

Posted: Tue Apr 05, 2011 12:39 pm 

Replies: 24
Views: 3239


I think it really just depends on your preference, in your situation. Since you aren't coming up short in other areas (other debts, retirement accts, efund, etc) either way you go will have its benefits. As soon as you clear the mortgage you have much more cash flow. If you stop with the prepayments...

 Forum: Personal Finance   Topic: Survey of cost of living

Posted: Sun Apr 03, 2011 8:46 pm 

Replies: 9
Views: 1861


My husband and I live on about $1800 per month in a relatively low cost-of-living area. This includes pretty much all expenses, which is easy for me to sum up because we put everything but rent on our credit card (and pay it each month). We are soon to be a family of three, and I would say that our ...

 Forum: Personal Finance   Topic: Withholding Calculator Accurate?

Posted: Wed Mar 16, 2011 7:15 am 

Replies: 6
Views: 2628


Thanks guys, for the advice. I will have to talk it over with hubby, see if he can bring himself to write exempt haha.

;)

 Forum: Personal Finance   Topic: Next Step - How do we shop rates??

Posted: Tue Mar 15, 2011 2:28 pm 

Replies: 11
Views: 1689


Good information to have about the mortgage broker. We will keep that in mind as we move forward. We made our offer last night, but the seller accepted the other offer (which had no contingencies, including no inspection), so I guess it wasn't meant to be! We'll see if something else in town catches...
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