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Home > Archive: March, 2016

Archive for March, 2016

Updates Big and Small

March 26th, 2016 at 02:41 pm

Job Situation: I landed my "dream job" . . . sort of. It's only part-time, so I am staying on at my old job. My boss at my old job has been really great (so far) about letting me work a flexible schedule around the new job. Of course I hope that the PT dream job will some day become full-time. My job search lasted 7 months, no doubt elongated because I'm in my 50's (and therefore not first on many hiring managers' lists), but also because I was still working and therefore not just applying for anything but being somewhat selective. I've given up on the "side gig" I was working . . . two jobs is plenty, thank you very much! (The side gig is something that I could pick up again later if I want or need to.)

Solo 401(k): DH is self-employed. He used to have a Keogh plan. Then he changed to a SEP IRA. In 2016, he's going to open a Solo 401(k). We're a year late; I wish we'd done it for 2015 but I realized a solo 401k was the way to go after finishing up our 2015 tax return. Getting the paperwork for the 401(k) completed is at the top of my list of financial tasks.

Potential Snowflake Alert - Doctor of Credit Web
Site: I tried to add this to my list of favorite sites on my sidebar but wasn't able to. The web address is

Text is www.doctorofcredit.com and Link is
www.doctorofcredit.com The tag line for this web site is "your prescription for healthy credit" but it's much more than that. I use it (in addition to the Deposit Accounts web site) to look for bank account bonuses. I also scored a $50 gift card thanks to this site. Hope this info helps some of you who like to pursue snowflakes, bank bonuses, etc.

Bank Bonuses / Overbanked Consumer: So far in 2016, I've signed up for two bank accounts that offer bonuses. I've also discovered a new term: the "Overbanked Consumer." Here is a link to the article I read:
Text is http://thefinancialbrand.com/57550/overbanked-consumer-banking-segmentation-strategy/ and Link is
http://thefinancialbrand.com/57550/overbanked-consumer-banki... That's me! Apparently the banking industry considers me a disruptive force and is unprepared for me. They don't know what I want. It's really very simple! I want the highest possible return on my savings!

Jane Bryant Quinn's New Book: I've shared in the past about the positive impact that Ms. Quinn's book "Making the Most of Your Money" had on my financial life. She has a new book out, "How to Make Your Money Last: The Indispensable Retirement Guide." I'm only 2/3 done but am finding it pretty helpful. As the title indicates, the scope is narrower than her previous books. For those of us who do a lot of reading about PF, it contains quite a bit of information that we already know. But it offers some fresh perspectives. And as usual, Ms. Quinn has really drilled down in to the subject matter, and it contains a lot of practical information. I'd recommend it for anyone 45-50+ who is thinking seriously about retirement.

Yard / Garden: DH finally finished the yard re-vamping. He greatly reduced the amount of water-gobbling grass and replaced it with rocks. And I'm taking a stab at container gardening again this year. I scored some free containers through a neighborhood swap page, and got one of those upside-down tomato growers on clearance at Tuesday Morning last winter. I'm growing cherry tomatoes, sweet basil, green onions, and daikon (Japanese radish). I'm already using the basil and love it.