What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Financial discipline and dating
2. Retiring early after bull market
3. Buying a first home
4. Lifetime warranty question
5. Being productive
6. Can’t visualize long term
7. Eight year car loan?
8. Raising credit score
9. Flying or driving 1,000 miles
The cheapest online vacation deals can come with added fees or risks, so read the fine print carefully. Photo: Kevin Dooley
Planning a vacation can be overwhelming if you don’t know exactly where you want to go. After all, the world is a big place with an infinite amount of beauty and culture to explore. When you can basically go anywhere, whittling down your choices can become an arduous task.
Fortunately, the Internet has more than enough online vacation booking sites that can make your task immeasurably easier. They make it easier for you to book anything from luxury digs to a space on someone’s couch, all while letting you compare pricing and other features. But which site — or combination of sites — should you use? And what’s the difference between them?
The cheapest online vacation deals can come with added fees or risks, so read the fine print carefully. Photo: Kevin Dooley
Planning a vacation can be overwhelming if you don’t know exactly where you want to go. After all, the world is a big place with an infinite amount of beauty and culture to explore. When you can basically go anywhere, whittling down your choices can become an arduous task.
Fortunately, the Internet has more than enough online vacation booking sites that can make your task immeasurably easier. They make it easier for you to book anything from luxury digs to a space on someone’s couch, all while letting you compare pricing and other features. But which site — or combination of sites — should you use? And what’s the difference between them?
There’s a simple way to gain more control over your spending. Got a pen? Photo: Markus Rodder
What did you buy today?
No, really. I want to know everything you bought.
Sit and think about it. Did you buy a meal out, school supplies for your child, a bathing suit online, or, ahem, a new “control” key for your Macbook Pro after your 1-year-old ripped it off? Well, perhaps that last one is just me (and it was way overpriced, mind you).
One thing all of us consume all of the time is water, whether it comes from the tap, flows out of the shower head, gets flushed straight down the toilet, or is cycled through our washing machine or dishwasher.
That water has a real cost. In my town, for example, there is a charge of $4.35 per 1,000 gallons of water consumed, plus an additional charge of $4.35 per 1,000 gallons of water discharged into the sewer system. However, there’s a 7% tax on top of that figure, bringing to total to $4.6545 per 1,000 gallons for usage and $4.6545 per 1,000 gallons for the sewer. That means our total charge is $9.31 (rounded from $9.309) per 1,000 gallons of water that flows through our house or $4.65 (rounded from $4.6545) per 1,000 gallons of water that we drink or use in food preparation.
Using a 529 plan to save for college doesn’t limit you to just state colleges or schools within your state. And you don’t even have to use your home state’s plan. Photo: Ohio State via Facebook
A college degree is worth more today than ever before. In fact, according to a study by Pew Research, young adults with a four-year degree earn around $17,500 more per year on average than those with only a high school diploma. So the question for most families is not “will our children go to college?” but rather “how are we going to pay for it?”
Using a 529 plan to save for college doesn’t limit you to just state colleges or schools within your state. And you don’t even have to use your home state’s plan. Photo: Ohio State via Facebook
A college degree is worth more today than ever before. In fact, according to a study by Pew Research, young adults with a four-year degree earn around $17,500 more per year on average than those with only a high school diploma. So the question for most families is not “will our children go to college?” but rather “how are we going to pay for it?”
Spring cleaning is one of my favorite tasks of the year. It gives us a chance to freshen up our home after a long Midwestern winter.
However, the part that I enjoy the most is simply going through all of the stuff we own. The boxes in the garage rafters. The items stowed away in closets. The kits and other things hidden on utility shelves in the garage. The bags that end up hidden behind the shoes and clothes in the closet.
What I most enjoy is that when we go through the items, I always find a bunch of items related to things that I really enjoy doing, but those items got stuck out of sight somewhere and forgotten.
My disc golf set ends up stuck behind a box on a garage shelf.
My home electronics stuff ends up in a cardboard box under our box of paperwork to file and scan in the closet.
Three books that I want to read wind up behind a few of Sarah’s novels on the bookshelf in our bedroom.
When the occasional splurge becomes a daily habit, the costs can pile up quickly. Photo: Hirotomo T
Making a Starbucks run on your way to work probably doesn’t seem like that big of a deal. Your soy caramel latte costs, what, $4?
That isn’t enough money to make or break your budget, so you probably didn’t give it a second thought. But what happens when it becomes a habit? What happens when an occasional splurge turns into something that happens more than once or twice per week?
When the occasional splurge becomes a daily habit, the costs can pile up quickly. Photo: Hirotomo T
Making a Starbucks run on your way to work probably doesn’t seem like that big of a deal. Your soy caramel latte costs, what, $4?
That isn’t enough money to make or break your budget, so you probably didn’t give it a second thought. But what happens when it becomes a habit? What happens when an occasional splurge turns into something that happens more than once or twice per week?
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