SUM180 | Zipporah Sandler - Ambassador | Activity https://community.sum180.com/members/zipporah-sandler/activity/ Activity feed for Zipporah Sandler - Ambassador. Fri, 19 Jul 2024 11:53:52 -0800 https://buddypress.org/?v=5.1.2 en-US 30 hourly 2 da0ecdeac334f3dbb2bff8bf6e96f746 Zipporah Sandler - Ambassador started the topic Upgrades that increase your home value in the forum Buy a house https://community.sum180.com/forums/topic/upgrades-that-increase-your-home-value/ Mon, 05 Jun 2017 11:40:05 -0800 Now that I’ve been in my home for almost two years, I’ve got some ideas of what I’d like to do. Before moving in we took care of a few of the cosmetics by painting the interior, removing some kitchen cabinets to open up the look of the area (adding some lighting in the area) and pulling up the ugly pink carpeting and putting new floors down. All…[Read more]

]]> e0789d355f275ad5744cda65b5215724 Zipporah Sandler - Ambassador replied to the topic Second home options in the forum Buy a house https://community.sum180.com/forums/topic/second-home-options/#post-2789 Mon, 05 Jun 2017 11:27:14 -0800 Thank you both for the great ideas.

]]> 00bb57abb38cd9c4eaed69d42a9f86c2 Zipporah Sandler - Ambassador replied to the topic Knowing Your Social Security Benefits in the forum Plan your retirement https://community.sum180.com/forums/topic/knowing-your-social-security-benefits/#post-2735 Mon, 29 May 2017 12:40:16 -0800 My husband and I are both on social security and it is truly an eye opener. While we COULD live on the amount that we receive if we were frugal, each year it would be tighter and tighter.

]]> a6c65aacc7ca8c5d9dc7ae8252e5a6c6 Zipporah Sandler - Ambassador started the topic How to save a million dollars? in the forum Grow your savings https://community.sum180.com/forums/topic/how-to-save-a-million-dollars-3/ Mon, 29 May 2017 12:35:06 -0800 I just finished reading an article about how much you’d have to save each month in order to amass a million dollars in 10 years. While the whole concept of SAVING a million dollars somehow feels strange to me (vs. earning or investing), I was curious.

It turns out that you’d need to save $4964 each month for the next ten years (this is based on…[Read more]

]]> 905f7a343eb47057fcaa7e26fa8e2b55 Zipporah Sandler - Ambassador started the topic How to save a million dollars? in the forum Grow your savings https://community.sum180.com/forums/topic/how-to-save-a-million-dollars-2/ Mon, 29 May 2017 12:34:16 -0800 I just finished reading an article about how much you’d have to save each month in order to amass a million dollars in 10 years. While the whole concept of SAVING a million dollars somehow feels strange to me (vs. earning or investing), I was curious.

It turns out that you’d need to save $4964 each month for the next ten years (this is based on…[Read more]

]]> 0ea256b01811c325c58468f1cd28d984 Zipporah Sandler - Ambassador started the topic How to save a million dollars? in the forum Grow your savings https://community.sum180.com/forums/topic/how-to-save-a-million-dollars/ Mon, 29 May 2017 12:32:35 -0800 I just finished reading an article about how much you’d have to save each month in order to amass a million dollars in 10 years. While the whole concept of SAVING a million dollars somehow feels strange to me (vs. earning or investing), I was curious.

It turns out that you’d need to save $4964 each month for the next ten years (this is based on…[Read more]

]]> 35e500bc854cdc56cd084e209bb04846 Zipporah Sandler - Ambassador started the topic Second home options in the forum Buy a house https://community.sum180.com/forums/topic/second-home-options/ Wed, 24 May 2017 11:53:59 -0800 Let me begin by saying that we don’t have a lot of money, but I’m a New Englander living in Florida. I’ve begun thinking that after 12 years of living here year round, that rather than take our two vacations a year up north and spending all of that money on hotels that I’d like to have little place to call our second home. It doesn’t have to be…[Read more]

]]> ba28d63cd4a7dd58f97c5c94bc0de20b Zipporah Sandler - Ambassador replied to the topic Where to find money - really FOUND MONEY in the forum Grow your savings https://community.sum180.com/forums/topic/where-to-find-money-really-found-money/#post-2720 Wed, 24 May 2017 03:00:05 -0800 Yay! Looks like ya’ll found some money!

]]> 7652c9a4b26c3c0100ef9b6678708801 Zipporah Sandler - Ambassador replied to the topic Money Saving Apps in the forum Grow your savings https://community.sum180.com/forums/topic/money-saving-apps/#post-2719 Wed, 24 May 2017 02:58:24 -0800 I’m following along. Right now I don’t use any apps for saving money and I keep thinking that I should. Off to check out Acorn!

]]> eb548ac85ffad5cb14284206be8bf18a Zipporah Sandler - Ambassador started the topic Where to find money - really FOUND MONEY in the forum Grow your savings https://community.sum180.com/forums/topic/where-to-find-money-really-found-money/ Tue, 16 May 2017 11:01:38 -0800 Yesterday my son was looking for his birth certificate. He had left a box of papers at my house, and found it in with old bank statements, etc. He also found a proxy vote form for a stock that he didn’t know he had. I remembered that a friend of ours had bought him a $100 worth of a stock when he was born. The account number was on the form, so…[Read more]

]]> a20367c5a6fc16684ec90d60d9825b6a Zipporah Sandler - Ambassador started the topic Found money in the forum Grow your savings https://community.sum180.com/forums/topic/found-money/ Tue, 16 May 2017 03:45:09 -0800 Yesterday my son was looking for his birth certificate. He had left a box of papers at my house, and found it in with old bank statements, etc. He also found a proxy vote form for a stock that he didn’t know he had. I remembered that a friend of ours had bought him a $100 worth of a stock when he was born. The account number was on the form, so he…[Read more]

]]> 1d4cd241c6289e39e93bd8985f3ad393 Zipporah Sandler - Ambassador started the topic Found money in the forum Build your investments https://community.sum180.com/forums/topic/found-money/ Tue, 16 May 2017 03:45:09 -0800 Yesterday my son was looking for his birth certificate. He had left a box of papers at my house, and found it in with old bank statements, etc. He also found a proxy vote form for a stock that he didn’t know he had. I remembered that a friend of ours had bought him a $100 worth of a stock when he was born. The account number was on the form, so he…[Read more]

]]> 5e258f359fc3f7d41343a5d1deaaedeb Zipporah Sandler - Ambassador replied to the topic While we're talking cars in the forum Manage your debt https://community.sum180.com/forums/topic/while-were-talking-cars/#post-2643 Tue, 16 May 2017 03:33:06 -0800 In terms of wriggle room, it depends. Each car manufacturer is different when it comes to new cars. In many cases it’s only a 5% markup from invoice price (high end luxury cars tend to have more of a markup – in the 7% – 10% range). BUT, manufacturers often give incentives and rebates to the dealerships, making their profit higher.

Used cars are…[Read more]

]]> 7301cdd29d7b63c9682ee649c8bd6580 Zipporah Sandler - Ambassador started the topic While we're talking cars in the forum Manage your debt https://community.sum180.com/forums/topic/while-were-talking-cars/ Tue, 09 May 2017 02:20:08 -0800 I grew up in the wholesale automobile business. My grandfather was a car dealer, my dad was a wholesale dealer and even my husband went into the business later on. I grew up washing cars, driving to pick cars up at the auctions, moving cars around the lot, and chasing down titles.

I learned how to negotiate a deal at an early age, went to the…[Read more]

]]> 6e4d7f3bf7a51e8e352f268258fae185 Zipporah Sandler - Ambassador started the topic Wedding Bells - How do I keep this at a minimum? in the forum Manage your debt https://community.sum180.com/forums/topic/wedding-bells-how-do-i-keep-this-at-a-minimum/ Wed, 03 May 2017 12:49:44 -0800 In 9 weeks, 3 days, and 11 hours I will be the mother of a newly married son. I thought my job would be easy….all I have to do is help with the guest list, buy a dress (hubby will get a suit at the store that the kids have chosen to do their groomsmen) and throw the rehearsal dinner.

How much could that cost?

I asked the bride to be how many…[Read more]

]]> 768374796b93082595b12edd16437dd1 Zipporah Sandler - Ambassador replied to the topic Saving for a New Car in the forum Manage your debt https://community.sum180.com/forums/topic/saving-for-a-new-car/#post-2572 Wed, 03 May 2017 12:35:48 -0800 I grew up in the automobile business (daughter of a wholesaler), and married a man who fell in love with the business and became an auto buyer. I’ve learned that a $9,000 car gets you to the same place at the same time as a $90,000 car. When I shop for cars, whether it be new or certified used is to look at the warranty.

BTW: I am 67 years old…[Read more]

]]> 5c7f5bcb780fa7edc39007f28989becd Zipporah Sandler - Ambassador replied to the topic Making saving sexy in the forum Grow your savings https://community.sum180.com/forums/topic/making-saving-sexy/#post-2571 Wed, 03 May 2017 12:28:04 -0800 I need to go on a closet safari soon. I have old dresses that I haven’t worn in years packed in a box. It’s time to take them out, try them on and see what they look like again…then add some great accessories I have lying around.

Thanks for the reminder.

]]> b54dd6a96aef1a0bb3093999a7e5d708 Zipporah Sandler - Ambassador started the topic Making saving sexy in the forum Grow your savings https://community.sum180.com/forums/topic/making-saving-sexy/ Wed, 26 Apr 2017 12:13:12 -0800 The first thing that I notice when I come to these forums is that there is more chatting on debt & spending than on saving. It made me realize just how boring saving can be. There is no thrill of the purchase, the bucket list, etc. Especially when the saving is to put away money just in case of emergency or something that’s not purchase…[Read more]

]]> c5f151fd5e419c928381643386ca6236 Zipporah Sandler - Ambassador started the topic Making saving sexy in the forum Grow your savings https://community.sum180.com/forums/topic/making-saving-sexy/ Wed, 26 Apr 2017 12:13:12 -0800 The first thing that I notice when I come to these forums is that there is more chatting on debt & spending than on saving. It made me realize just how boring saving can be. There is no thrill of the purchase, the bucket list, etc. Especially when the saving is to put away money just in case of emergency or something that’s not purchase…[Read more]

]]> 9cd6ec0764853846eaaa05fa102f194d Zipporah Sandler - Ambassador started the topic Those super-expensive credit cards with BIG perks in the forum Manage your debt https://community.sum180.com/forums/topic/those-super-expensive-credit-cards-with-big-perks/ Sun, 23 Apr 2017 23:31:42 -0800 I am a traveler. More specifically, I am a travel journalist and blogger. I spend a LOT of time in airports, on planes, in hotels, etc. Just this past week I was on my way home from a Canadian press trip and I luckily got to sit next to another person that I knew who was on the same plane.

We both had 2 hour layovers at the same airport…same…[Read more]

]]> b5b16ac2ace7c4e2080c72c10ef0b240 Zipporah Sandler - Ambassador replied to the topic How much is that doggy in the window really going to cost me? in the forum My journey https://community.sum180.com/forums/topic/how-much-is-that-doggy-in-the-window-really-going-to-cost-me/#post-2532 Sun, 23 Apr 2017 23:20:43 -0800 I have not invested in pet insurance either. I asked my veterinarian about it, and he said that when it comes to older dogs with health problems (like mine), that it really doesn’t cover much.

]]> 1c6cc773f4c8e4c8f9d7f14662e09ad7 Zipporah Sandler - Ambassador replied to the topic How many credit cards should you have? in the forum Manage your debt https://community.sum180.com/forums/topic/how-many-credit-cards-should-you-have/#post-2531 Sun, 23 Apr 2017 23:16:49 -0800 Yes, I think we’ve all done that %-off for a major purchase card, but I find that they are usually store cards that I don’t use after that.

]]> cd900f83f9db9a7aa8cb75a6de30f002 Zipporah Sandler - Ambassador replied to the topic A bit of advice from my mother about spending in the forum My journey https://community.sum180.com/forums/topic/a-bit-of-advice-from-my-mother-about-spending/#post-2530 Sun, 23 Apr 2017 23:14:50 -0800 I have never done that, and I LOVE, LOVE, LOVE the idea. I know that some of my “essentials” are not essential at all. Have you tracked how much you actually save each month by doing that?

]]> 826cc855dfd96e3b2f9d4637e94eb040 Zipporah Sandler - Ambassador started the topic Our penny jar investing in the forum Build your investments https://community.sum180.com/forums/topic/our-penny-jar-investing/ Fri, 14 Apr 2017 10:56:10 -0800 One of the ways that we have begun to take steps to invest more is to make a little game of it. While we’ve laddered our CD’s, balanced with some bonds, and tried to be conservative with our mutual funds, we knew that we wanted a little more FUN in our portfolio.

Like many people, we empty our pockets of loose change at the end of each day into…[Read more]

]]> ffa7de4115f4a5aa31131222d90c297a Zipporah Sandler - Ambassador started the topic Our penny jar investing in the forum Build your investments https://community.sum180.com/forums/topic/our-penny-jar-investing/ Fri, 14 Apr 2017 10:56:10 -0800 One of the ways that we have begun to take steps to invest more is to make a little game of it. While we’ve laddered our CD’s, balanced with some bonds, and tried not to be conservative with our mutual funds, we knew that we wanted a little more FUN in our portfolio.

Like many people, we empty our pockets of loose change at the end of each day…[Read more]

]]> f8d2f1f63978df1dd3516f6e874b6782 Zipporah Sandler - Ambassador started the topic How many credit cards should you have? in the forum Manage your debt https://community.sum180.com/forums/topic/how-many-credit-cards-should-you-have/ Thu, 06 Apr 2017 15:17:33 -0800 Last week I looked into my wallet and realized that it needed to be cleaned out. There were old receipts, an expired Metro card, and lots those cards from stores where I shop. There were also 3 credit cards and 2 debit cards (from 2 different accounts). Which got me to thinking…

HOW MANY CREDIT CARDS DO I ACTUALLY NEED?

Having gotten into…[Read more]

]]> 4603abe670594dbc8b1720a6aa3ec3a0 Zipporah Sandler - Ambassador started the topic How many credit cards should you have? in the forum Manage your debt https://community.sum180.com/forums/topic/how-many-credit-cards-should-you-have/ Thu, 06 Apr 2017 15:17:33 -0800 Last week I looked into my wallet and realized that it needed to be cleaned out. There were old receipts, a deads metro card, and lots those cards from stores where I shop. There were also 3 credit cards and 2 debit cards (from 2 different accounts). Which got me to thinking…

HOW MANY CREDIT CARDS DO I ACTUALLY NEED?

Having gotten into trouble…[Read more]

]]> fcdc3cf6cd3ba84b4d89ec504340ee83 Zipporah Sandler - Ambassador started the topic A bit of advice from my mother about spending in the forum My journey https://community.sum180.com/forums/topic/a-bit-of-advice-from-my-mother-about-spending/ Thu, 30 Mar 2017 11:50:44 -0800 As a young family with a one year old, I remember feeling afraid to spend any money on what I considered luxury items. I had been invited to a wedding and wanted a new dress and happened to fall in love with one that was out of my spending comfort zone. I agonized over buying that dress. My husband (the spender of the family) couldn’t understand…[Read more]

]]> 0a43da6bb3dfffcb1d7f7557a0abecc3 Zipporah Sandler - Ambassador started the topic Where do we invest in these turbulent times. in the forum Build your investments https://community.sum180.com/forums/topic/where-do-we-invest-in-these-turbulent-times/ Sat, 25 Mar 2017 22:25:04 -0800 I have to preface this post by saying that I’m a gambler who’s learned to be more conservative. I still have this get quick rich mentality (I just love playing blackjack), but at the same time I realize that I have a good chance of losing it all if I bet my investments that way. Spending a few dollars on a night out is one thing, losing my life…[Read more]

]]> 7cb1fd39bb26267392664e2d610fa3e8 Zipporah Sandler - Ambassador started the topic Long term care options in the forum Plan your retirement https://community.sum180.com/forums/topic/long-term-care-options/ Thu, 23 Mar 2017 14:37:12 -0800 63 hit me like a ton of bricks this year. My husband turns 65 and spent a good deal of the year in and out of the hospital with multiple problems. It made me think about what we could handle financially and what we couldn’t if he had to go into a long-term care facility.

I’ll be honest, I’m one of those who thinks I’ll be able to take care of him…[Read more]

]]> 8fe1fcdcd1ec46e204f6323c299fd1bd Zipporah Sandler - Ambassador replied to the topic Helping My Adult Child Navigate Savings in the forum Build your investments https://community.sum180.com/forums/topic/helping-my-adult-child-navigate-savings/#post-2450 Thu, 23 Mar 2017 14:30:18 -0800 We did something that actually backfired on us. We invested in an insurance type of product that was supposed to increase over time. We had been promised that there would be over $70,000 by the time my son went to school. Alas, it was just under $25,000 when he cashed it in, barely enough for one year. Now he is dealing with some loans that he…[Read more]

]]> 8dd9800506f919202a0380cd352c83f0 Zipporah Sandler - Ambassador started the topic A spender and a saver walk into a bar in the forum Grow your savings https://community.sum180.com/forums/topic/a-spender-and-a-saver-walk-into-a-bar/ Fri, 17 Mar 2017 01:35:23 -0800 They say that opposites attract. I suppose that’s true, as my husband and I are extreme opposites in so many ways. While it wasn’t love at first site (we were good friends), I thought I knew him well. What I neglected to see was that he hates money. He MUST hate it, because he insists on throwing it away. Of course, if I’m being completely honest,…[Read more]

]]> 1df368372225d6b57567f8cb4451753d Zipporah Sandler - Ambassador started the topic A spender and a saver walk into a bar in the forum Grow your savings https://community.sum180.com/forums/topic/a-spender-and-a-saver-walk-into-a-bar/ Fri, 17 Mar 2017 01:35:23 -0800 They say that opposites attract. I suppose that’s true, as my husband and I are extreme opposites in so many ways. While it wasn’t love at first site (we were good friends), I thought I knew him well. What I neglected to see was that he hates money. He MUST hate it, because he insists on throwing it away. Of course, if I’m being completely honest,…[Read more]

]]> 3b198f32bbebc0a9e88b40b8d9484420 Zipporah Sandler - Ambassador started the topic A spender and a saver walk into a bar in the forum Grow your savings https://community.sum180.com/forums/topic/a-spender-and-a-saver-walk-into-a-bar/ Fri, 17 Mar 2017 01:35:23 -0800 They say that opposites attract. I suppose that’s true, as my husband and I are extreme opposites in so many ways. While it wasn’t love at first site (we were good friends), I thought I knew him well. What I neglected to see was that he hates money. He MUST hate it, because he insists on throwing it away. Of course, if I’m being completely honest,…[Read more]

]]> ebe49232ffc0d0be3771f0e0aa4776e6 Zipporah Sandler - Ambassador replied to the topic How do we maneuver Medicare? in the forum Plan your retirement https://community.sum180.com/forums/topic/how-do-we-maneuver-medicare/#post-2440 Thu, 16 Mar 2017 01:45:09 -0800 That’s great to hear Carla. We have the AARP plan which is essentially UnitedHealth and have been very happy that our doctors and hospitals are not limited.

]]> 1ed89f2ae3af8f08147095cb691316d7 Zipporah Sandler - Ambassador started the topic How do we maneuver Medicare? in the forum Plan your retirement https://community.sum180.com/forums/topic/how-do-we-maneuver-medicare/ Sat, 11 Mar 2017 12:48:03 -0800 While those who are younger are scrambling to see what happens once the Affordable Care Act is scrubbed, those of us who are either over 65 or on disability are trying to figure out what our options are for our own health coverage. The system is not as simple as it looks. My husband and I have had Medicare part A, B, C & D for a few years now and…[Read more]

]]> 8c4ba5bc01d6a1c0d9713b78c75d5952 Zipporah Sandler - Ambassador started the topic How do we maneuver Medicare? in the forum Plan your retirement https://community.sum180.com/forums/topic/how-do-we-maneuver-medicare/ Sat, 11 Mar 2017 12:48:03 -0800 While those who are younger are scrambling to see what happens once the Affordable Care Act is scrubbed, those of us who are either over 65 or on disability are trying to figure out what our options are for our own health coverage. The system is not as simple as it looks. My husband and I have had Medicare part A, B, C & D for a few years now and…[Read more]

]]> 6700ed05a05a95d7e17ec59b4211244f Zipporah Sandler - Ambassador replied to the topic Learning more & more here in the forum Save for retirement https://community.sum180.com/forums/topic/learning-more-more-here/#post-1904 Thu, 16 Jun 2016 14:47:43 -0800 Thank you Carla. $1,000 is actually fine with me, and I hadn’t realized that there were great balanced funds specifically targeted at retiring. Off to do my research at Vanguard (all of my other investments are with Fidelity, so this is new territory).

]]> 382de4a9c9238981768569979865ab3d Zipporah Sandler - Ambassador started the topic Learning more & more here in the forum Save for retirement https://community.sum180.com/forums/topic/learning-more-more-here/ Tue, 14 Jun 2016 19:18:05 -0800 One of my biggest key learnings from my SUM180 plan was that even though I’m legally retired, because I do still work part time, I can still sock away up to $2400 per year in a retirement account. At 62, I believe that gives me an extra 8 years.

Because my income provides the “EXTRAS” vs. having to live on it, I won’t feel the punch now, and…[Read more]

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