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February 6th, 2007 at 06:47 pm

--Received my contacts already from shipmycontacts.com. I was a little worried as they had a few negative reviews, but the right prescription came and it came FAST! I would recommend this company based on this experience, if anyone is looking to buy their contacts online. Cost: $173 - $50 rebate = $123. My cost had I bought through my eye doctor: $280 - $40 rebate = $240. Over $100 saved.
--Finished the taxes tonight. We took a beating on one certain stock that we owned, but sold in December. The upside - about $1200 more back than we were expecting. We'll be getting about $6k (not really a refund as we paid very little in, but qualified for a lot of credits this year). The plan is to put $4k into our 2006 Roths (which we currently only have $2k of a possible $8k contribution for the year) and the other $2k toward the 0% cc. That will leave us with only $2500 to pay off before the 0% rate ends in August.
--Caught up on all our appts: cat to the vet ($37), DH for bloodwork ($17), me to the eye doctor ($68), and ds2 to the pediatrician (well child visit - no co-pay). Phew. We got out of it pretty cheaply too. I feel so fortunate to have good insurance. Even though I have had my share of low-paying jobs, it seems as though my field does take care of its workers with their insurance (I have worked for non-profits, social agencies). I wish everyone had this type of a safety net.
--Showing several houses to two different clients tomorrow!! Both are good buyers. One is a pre-approved coworker who will be buying a house for the first time in about 15 years, but has excellent credit and income. The other is an established investor that I have worked with for years. I would love to get something going after my last deal fell apart after the home inspection Frown

I have to get my behind in gear researching, researching, researching. I don't even know where to start. Basically, I have been unhappy with our current investments. We have the money in our Roths, but invested in individual stock. It has been both really good (we bought Apple early in 2006) and bad (aforementioned big loss). I know we should be more diversified, since the total amount in our investments is only about $20k. We cannot afford to take a big hit on one stock, but I really have no clue where to start. Ideally I would like to set something up to deduct automatically from our paychecks or savings (dollar cost averaging, I believe?) so that we are consistently contributing. I gather from reading on this site that mutual funds are the way to go?? So...I need to hit the books...or web? Or something...

3 Responses to “blurbs”

  1. Ima saver Says:

    Yes, I would reccommend mutual funds. I have my Ira's in Vanguard Index 500 and it returned 16% this past year.

  2. fern Says:

    If you want to be more diversified, but especially since you say you don't know where to start, you really shouldn't have so much invested in individual stocks unless you have the time and know-how to monitor them. You should invest in no-load mutual funds.

  3. jodi Says:

    Thanks - I will have to check into some mutual funds. DH has been the researcher and follower of stocks, so we haven't been going into this completely blind. He is okay with the level of risk that comes with stocks, but I am not. We agreed that for a while, our investments are going to lean toward mutual funds, at least until we get significantly more invested.

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