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Archive for April, 2015

s/s check

April 24th, 2015 at 08:39 am

My social security check came in on Wednesday. I have never cashed it. I always add it to the $20 challege. They say you should wait to take your check until you are of full age, but I took mine at age 62. My reasoning, no one in my immediate family has lived past 70 and I vowed to save every check and I have.

Prev. total $7468.00
s/s 529.00
new total $7991.00

Getting close to $8000

cisco stock dividend

April 23rd, 2015 at 10:51 am

I received $46 from a cisco stock dividend. I will add that to the $20 challenge:

Prev. total $7416.00
today 46.00
new total $7462.00

capital one check

April 20th, 2015 at 02:18 pm

I got a capital one check in the mail today for $11 so I will add that to the $20 challenge:

Prev. total $7400.00
today 11.00
new total $7411.00

The New TV

April 18th, 2015 at 09:49 am

I am sure that buying a new tv is nothing to most of the members of this forum, but to us (dh and I0 it is a very big deal.
First let me say, we have 3 tv's. One is seldom used. It is upstairs in my husband's office. He has his drafting table there (yes, he still draws all his house plans the old fashioned way, with pencil) and I have my computer there.
Our second tv is in the kitchen-dining part of the house and is used quite a bit in the evenings.
After supper, we watch the 3rd tv in the bedroom.

When DH built this house 20 years ago, he put the kitchen tv and the bedroom tv into built in cabinets. That way, we could close the door and no one would suspect that we had a tv in the room.

Our tv's are quite old. I know we bought the upstairs one with us from Fla. and that was 30 years ago. Yes, it still works great!

Our bedroom tv is the problem. About 2 years ago, the remote quit working. I can remember well when tv's had no remotes. You had to get up to change the channels. Guess what? That still works; so I get up and change the channel. (I can also remember when we had only 3 stations and color tv cost $600, so we only had black and white for many years)

A few days ago, something happened to the picture. It is now a terrible picture, much lighter on one side than the other.

The decision, we need a new tv!! First of all, to find one small enough to fit into the cabinet. It could not be any bigger than 21 inches. We bought the smallest one they had at wal mart. It fits, but you cannot close the cabinet door.

It is hard to believe that the new tv can be held in just one hand! The old tv was huge and dh had to struggle to get it out. (I bet it weighs easily over 100 pounds)

WE are extremely old fashioned (remember, I have never had a cell phone, nor do I want one), so this new tv was a mystery to us. Somehow, we got it working, we don't know how. I did have to go thru each chanel, one by one, to get the chanels to program in. I am sure there was an easier way.

We also, could not believe the price, $129. WE have always paid $400 or more for a tv. When your tv acted up, you called a tv repairman. I am sure they don't exsist anymore.

So, we have a tv in the bedroom now that works with a remote. I cannot say that I like the sound on the new tv as well as the old one. I guess we take the old tv to the dump! It kind of makes me feel sad to just throw it away.

WE even stopped and looked at new laptop computers while we were there, cause I do need a new computer. Mine is about 10 years old and is giving me trouble. I did not understand the new computers at all. I don't think we will ever make it into the modern world.

Heck, I even married a man 7 years younger than me so that he could figure out all this stuff! He hasn't been able to figure out all the stuff in his new car yet!

Guess I will go and watch the Braves game on my old tv upstairs in the office. It belonged to my mother and she died in 1978, so I don't know just how old the tv is??

coin jar

April 8th, 2015 at 11:52 am

I took my coin jar to the bank today. I will add the $38 to my $20 challenge.

Prev. total $7290.00
today 38.00
new total $7328.00

First transfer

April 7th, 2015 at 01:15 pm

I did my first transfer today from My savings direct into my local checking account. I do a lot of transfers during the year, because I am always moving money from my savings into my local checking. I use my local checking to pay all the bills on the spec houses that we built.
I did keep my money locally in the bank, but in February they stopped offering accounts that pay 1% interest. Instead they are back to pay 1/10th of 1% interest which is what most banks now adays.
Since I keep a lot of cash in savings accounts, I am always shopping around for the accounts that pay the best interest rates.
One of these banks is My Savings Direct (Emigrant Bank) which is paying 1.05% interst.
I ordered the transfer this weekend and the bank noted that it would be processed on April7th (today)
I was happy to see that the transfer took place this morning and when I checked with my local bank, the money was already there. I am glad to see it went so smoothly.
I think I am really going to like Mysavingsdirect. I really also like the fact that they post interest, month to date, every single day!!

Guilty or Not Guilty?

April 3rd, 2015 at 11:23 am

I watched th Lizzie Bordon movie last night. I also watched the one starring Elizabeth Montgomery in 1975. (Plus I read the book)
What is your opinion? Was Lizzie guilty or not guilty or murdering her father and step mother?

final interest payment for the month

April 3rd, 2015 at 08:27 am

I got paid $56 in interest from my capital one 360 account. I have moved the money from that account because they were paying less interest than my other accounts.
Have any of you found savings account or money markets that are paying 1% or better? My local bank use to offer a 1% account but they don't anymore.

Prev. total $7208.00
today 56.00
new total $7264.00

more interest to report

April 2nd, 2015 at 09:56 am

I opened up a new account at GE Capital Bank a few months ago. I usually like to keep my money locally, (cause we need it to build spec houses), but my bank could not offer me any decent savings rate. I earned $27 at GE which I will add to my challenge money.

Prev. total $7181.00
today 27.00
new total $7208.00

MSD

April 1st, 2015 at 02:45 pm

I received $91.89 from My savings direct bank, which I will add to the $20 challenge:

Prev. total $7090.00
today 91.00
New total $7181.00

April interest

April 1st, 2015 at 10:59 am

I love the first of the month since that is the day interest gets posted to my savings accounts.
April 1st is also my quarterly interest on my c.d.'s being held at Melrose Credit Union.
I was kind of leery when I took them out, over 4 years ago. The best interest rates I could find were 2.9 and 2.8%
Well, so far, I have not found anything better, so I am happy with those rates. My two c.d.'s paid me $379.79 (2.8%) and $1585.15 (2.9%).
As usual, I will add them to the $20 challenge.

Prev. total $5126.00
today 1964.00
new total $7090.00