lundi 18 août 2014

Hello

Hi everyone,

I'm a newbie, looking forward to being getting to know everyone:). I'm from Ireland and been leaning the simple and frugal way both out of necessity and choice for a number of years. I'll probably spend a few days having a root, looks like a lot of information here, so i'm off to get started (oh also, went on the link for FI & downloaded the 9 steps, should be a good read!)





Hello

Part-time nanny needed

We are a Belgian-English family moving to Belgrade in October and are looking for a nanny for our 1 year old son. Just wondering if anyone has any tips on where to advertise/ look for one and more or less what we can to expect to pay for part-time help. Thanks, Erica





belgrade

dimanche 17 août 2014

Garcinia Cambogia Supplement

I am really depressed with my weight loss problem. My friend advised me to get some weight loss pills. While searching on internet I found there is a up trend of Garcinia Cambogia Pills and I found some good reviews on this website [link removed] which are convincing. Anyone tried it as I want to know more about this product before buying this.





Garcinia Cambogia Supplement

Invest or pay off mortgage

Hello, simple living forum friends! I used to be around a lot more under same screen name (Mermaid) at the old forums and have been lurking here for a while.



I am 50, and have a lot of money questions up for me right now. My partner and I live in a house I bought. We have a joint account and each have our personal accounts. We pay for the house from our joint account, and would eventually like it to be titled /deed in both our names.



I would really like to retire at 60, or at least go to working part time. She figures she'll work for much longer (she is a psychotherapist so that is doable). I bought the house because I had the down payment, and her credit was really bad at that time because of a long unemployment - her credit is much better now.



Right now, my question is, how should I invest my non-retirement funds vs. pay off mortgage, and what should I consider in doing so?



My numbers:

IRAs - Roth and Regular --- 242K

Personal Savings/Invests -- 31K - some earmarked to replace car



Mortgage @ 4.625% -- 123K (worth ~235K)



About 9K of the personal is in no-load mutual funds at Schwab and Vanguard, the rest is in savings accounts (Capital360, formerly ING Direct) earning less than the mortgage rate.



The idea of paying off the mortgage by the time I'm 60 is attractive, but if I'm using the calculator right that would take an extra $600 a month! $250/month to kill it by the time I'm 65. $250 would be tight right now, but some large expense may go away within about a year or so, which would make 250+ very doable.



I think I did the bankrate calculator right because I entered the current balance, 25 year mortgage and current interest rate and it came up with amount same as my current payment. Then I played around w/ adding additional amount each month.

My risk profile for probably 10K would be conservative because I would want it available for emergencies. For the remaining 21K, I would be comfortable with moderately aggressive. (terms from http://ift.tt/1rgYUAl)



Thanks for any thoughts or advice!





Invest or pay off mortgage

Hello All

I've been browsing this forum on and off for half a year now and just decided to post.



Here's a short version of my story:



I grew up in rural western New York. When I graduated high school I tried to get a typical minimum wage job, but could not get an interview anywhere. So I went to the local public college. I spent four years getting a degree in computer science, and on graduating last spring I moved to Silicon Valley for a job as a software engineer. Now I'm 23.



I like to live simply, although this sort of happened naturally -- I never suddenly decided to change my lifestyle. I go with no car and no smartphone. Living here it's quite possible to just bike, although I don't go many places. I'll rent a car for road trips sometimes. I could name all of my possessions. Perhaps I'll write up an inventory on here sometime and see if there's anything I can get rid of.



The cost of housing is extremely high where I live. I rent a bedroom in a house and save almost all the rest of my income. There's nothing that I would buy for myself if I had more money, so I am content in that way.



What I love most is going home to visit my family and friends that I spent the first 22 years of my life with, and being out in nature which I find incredibly beautiful. We live in such a beautiful world! Unfortunately while in college I was too busy working on my academic/career success that I pretty much ignored nature -- but once college was over I really fell in love with it. Maybe some of you will enjoy my photos. Going home and visiting nature are difficult things to do given where I live now. I have to fly across the country to go home, and I have to drive through bad traffic to get out to nature. I have been taking advantage of being out west to visit lots of places out here that I'll probably never see again if I move back east.



I miss a lot of things about home. The people first, of course, but also the green summer, woods and creeks, clouds and beautiful sunrises and sunsets, real interesting weather and storms. The bay area in california has almost constant "good" weather with full on sunshine 3/4 of the time -- while I admit this is nice for being able to go outside everyday, it's not very interesting and seeing the same thing every day gets old. I enjoyed walking in the rain and snow. Anyway, I don't mean to complain.



I cannot imagine having a family in the suburban sprawl here. There's no wilderness for kids to play in like I had growing up. There are little parks and playgrounds, so I guess you can ride your bike and be out in the sun. But not much room for creativity, most of the stuff we did when I was a kid would get you in trouble here if it was even possible. Having to drive through crazy traffic to get anywhere would be rough too. But I digress. Suffice to say I don't really like the idea of living here the rest of my life. :)



I realize I'm extremely fortunate, and I don't want or intend to just enjoy my material success such as it is on my own. I have no more career aspirations. I got my "dream job" already, and I don't really feel the desire to climb the career ladder. (Not that I'd avoid promotion, but I won't compromise on anything else for that purpose, so it's not likely to happen.) I want to use my resources for something good but I haven't figured out what and I'm kind of afraid of making the wrong decision there, so the default thing is just to save and invest.



I don't know what to do next. I could live as I am now for another 20 years easily, saving lots of money and living a comfortable if simple life alone. Many people do that here. I certainly don't want that, so I will have to draw the line at some point and do something different even though it will mean cutting my income. I hope I muster up the courage to do that sooner rather than later. I think about moving back east sometime next year to be closer to home despite that it would set me back career-wise.



Maybe I'll pitch in on some of the discussions here, though I have more to learn than to teach, I think.





Hello All

Foreign Students in Belgrade

Hi



I am a prospective foreign student (med school) and I want to know what type of budget should I suggest my parents to live decently in Belgrade . Is it a safe city for a fresh high school graduate living by himself first time far from home and most of my friends went to Hungarian U.

Any do's and don'ts , spaces, times and people better to avoid ...all experiences and advice welcome.Thanks.



djamel



dlaouisset@gmail.com





belgrade

Notarized Translation for Ministry of Education

Hi



I am a foreign student and I need my high school diploma, birth certificate and transcripts to have a notarized translation from english (except one page from french)into serbian so i can validate by ministry of education.Anyone can give advice/recommend a serious translation office.Thanks.



dlaouisset@gmail.com





belgrade