The kitchen renovation is looming large. DH and I rearranged the dining room to make room for the fridge and stove. DH thinks he can just switch the stove outlet around to the dining room for the duration. Hmm... I am hoping the microwave and fridge won't blow the circuit in the dining room...

Financial crisis averted. The second opinion on the dental work revealed it was mostly cosmetic and only one area needed a watch on it. Dentist said to come back and see him in 6 months. Financial planner is great! Can't go into details because we signed a confidentiality agreement, but I...

We signed the dotted line for the kitchen cabinets and countertop. Total cost will be about $9000, half of which we already put down in a deposit. We also bought a dishwasher and range hood, for $1100. Now all we need to do is buy the backsplash tile and decide on the flooring. August will...

Sorry for the long absence everyone. I had a slight problem with my heart over the winter months and now sport a brand new piece of equipment called a pacemaker. I feel much better now. However other areas in my life have suffered. What are we up to these days? We have embarked on a kitchen...

It has been a busy month. I have been busy rug hooking for an upcoming sale. I spoke to my accountant about DreamsTime and HubPages and decided not to do them. I am Canadian and would have to file US Income Taxes to get the advantage of a tax treaty between the US and Canada. Filing a US...

Planning for retirement can be dicey when there's two of you and you have very different ideas. Enter "The Joy of Retirement" by David Borchard and Patricia Donohoe. Using a very practical question and answer approach, they have couples work separately to fill out lists and grids to mark what...

Ok, so I paid off house and I've dedicated myself to living debt-free lifestyle from now on. Now comes the tricky part: Retirement. I have to admit that I am a big follower of Dave Ramsey, but there is one part that I don't follow him on: Investing. My problem is that I actually don't want...

We've been giving this a lot of thought lately, even though we have a few years to go before retirement. For us, a new community has to be large enough to provide all the services we need without us having to drive very far to reach them, while at the same time, it has to be small enough for us...

Hi all! New member here. My wife and I have been fans of Dave for about 4+ years now. We have been doing his plan on and off for the better part of 4 years. We finally got serious early last year and are down to our last $6500.00 worth of debt (vehicle) that should be gone by April! Now...

Ok, this might get long, I have been thinking about my dilemma for awhile now and can't seem to come up with a short and sweet way of asking your opinion. So please bare with me. Oh, we loosely follow the Dave Ramsey plan. So a few years ago - after many years of not contributing to a...

I was wondering how do you save for your retirement? I have a ING account and a IRA. I am not good about puting money into my IRA at all. I work part time just to get me out of the house for a little while and this gives us our play money. I have often thought of going to work full time since...

So I just recieved a DR News letter... and boy does it have me thinking: So say I want to retire... um YES and I want to live on $55,000 a year and that is what you are currently making ( you can put what ever # you want) This is taking the following into consideration: No debt: Being and...

Okay, guys and gals, I need help. I just received notice a very good friend is having a retirement party in a week. No time for me to make much of anything. I was up to the framer's today to try and get something framed, but he said 'no way' could he do it in a week! He's going away this...

Before I retired,I kept reading about how my needs in retirement would change and it wouldn't cost so much to live. What do you think? If you have retired, do you find that it takes less to live on? If you have not yet retired, do you think that in the future, you'll be able to live on less?

If you think about retirement at all, you might want to use this free retirement calculator at cnnmoney.com. It's one that we used for some time as we tried to decide when and if we could retire early. It begins by asking about your goals, including your current age, desired retirement age...

See here: view-of-retirement-at-107: Personal Finance News from Yahoo! Finance Judi

I came across this forum while googling for money mangement forums, and was both impressed and inspired by the posts that I read. I don't really have any debt, I just don't have any money. I earn a fairly decent income and am single, so I have recently started thinking about saving money. My...

My work will let me count 10 years of previous employment towards a pension if I pay in $10K. My question is do I count this as a debt in BS 2, or consider it part of BS 4? It's definitely worth it from an NPV standpoint so it's not an issue of if, but when. I'm eager to get out of BS 2 to...

I'm reviewing the paperwork needed to start contributing towards a defined benefit plan (yes, benefit not contribution) to start gaining time while I try to get hired full-time as a community college instructor. (I'm currently working as an adjunct at a community college and trying to piece...

I just read this article on maximizing social security benefits, with strategies for two-career families, families where one person had a much higher income, etc - all kinds of things I did not know about. I'm not quite ready to make use of the information, but I found it very interesting...