(no subject)
Jul. 29th, 2008 10:12 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
sereneAnd now for the really good stuff today, because really, there is always good stuff:
1) The homeowner gave![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
someotherguy a check for $50 because he replaced the faucet instead of making her get someone in. She said she would've paid her normal handyman $50 for an hour of his time, so that was great. We went and spent half of it on groceries. Yay, groceries!
2)someotherguy is amazing and apparently still loves me even though I woke him at 9am with angsty phone conversations with my mother and nephew, and spent the rest of the day using him for stressball relief.
3) I go in on Friday to do the paperwork and stuff for the new job, and I've read up on what to do about 401(k) stuff and everything. (Actually, it's 403(b) or something, because it's a public university, but yeah, no-load mutual funds, maximum employee contribution, etc.)
4) I had a really nice dim sum date the other day withbastette_joyce, and while we were chatting about insurance and stuff, it dawned on me that I can put wtfpotatoes on my health insurance and take her off Medical. That makes me SO happy!
5) We have a new faucet! Three days without a working kitchen sink was making me grumpy in the extreme.
6) Six weeks withwtfpotatoes, and I'm still liking having her around. I think she might feel rejected because I need a fair bit of time to myself, but we're getting along really well, and there's only been one serious incident of her not getting along with someone in the family, and that worked out fine. Even if she didn't like "Juno" at all. :-)
1) The homeowner gave
someotherguy a check for $50 because he replaced the faucet instead of making her get someone in. She said she would've paid her normal handyman $50 for an hour of his time, so that was great. We went and spent half of it on groceries. Yay, groceries!2)
someotherguy is amazing and apparently still loves me even though I woke him at 9am with angsty phone conversations with my mother and nephew, and spent the rest of the day using him for stressball relief.3) I go in on Friday to do the paperwork and stuff for the new job, and I've read up on what to do about 401(k) stuff and everything. (Actually, it's 403(b) or something, because it's a public university, but yeah, no-load mutual funds, maximum employee contribution, etc.)
4) I had a really nice dim sum date the other day with
bastette_joyce, and while we were chatting about insurance and stuff, it dawned on me that I can put wtfpotatoes on my health insurance and take her off Medical. That makes me SO happy!5) We have a new faucet! Three days without a working kitchen sink was making me grumpy in the extreme.
6) Six weeks with
wtfpotatoes, and I'm still liking having her around. I think she might feel rejected because I need a fair bit of time to myself, but we're getting along really well, and there's only been one serious incident of her not getting along with someone in the family, and that worked out fine. Even if she didn't like "Juno" at all. :-)![[identity profile]](https://www.dreamwidth.org/img/silk/identity/openid.png){kind=small}
no subject
Date: 2008-07-30 07:17 am (UTC)no subject
Date: 2008-07-30 09:10 pm (UTC)no subject
Date: 2008-07-31 04:11 pm (UTC)So the advice she gives on the whole retirement thing boils down to:
1) Put in the maximum contribution on the 401(k) (or equivalent)
2) Given a choice, choose no-load mutual funds
3) Take as much as you can afford and pay off debt before doing anything else with your remaining money
Does that all sound right to you?
no subject
Date: 2008-07-31 09:42 pm (UTC)1) Put in the maximum contribution of the employer plan, to the match. If you can afford to do more, put it in a Roth or Traditional IRA.
2) There is no such thing as "no load" funds. Funds that aren't visibly loaded (front, back or graded) have higher internal expenses than funds that have loads. This reduces your returns over time. Pick the funds with the lowest internal expenses and lowest fees. (shoot me your choices and I can help you pick them if you like)
3)Depends on the interest rates and types of your debt. Pay off your debt with the highest interest rates first. If you have low interest student loans, pay them at the minimum while you are working on other things.
4) Make sure you have a cash reserve of 3-6 months expenses. Do not put this off until your debts are paid off. If you have no cash on hand and have an emergency, the only place you have to put it is on a credit card. People over spend on credit cards, and if you see progress paying them off, its hard to see it go backward.
Does that help?