April 13, 2007

Wine glasses and corkscrews, oh my …

I’m officially the office birthday monkey. Last month, I made the resolution that I would never again be caught unawares and find myself searching for the funniestcardever on the night before an officemate’s birthday. Now I’ve two weeks to make reservations and purchase, wrap and otherwise conceal gifts for Little Boss’s birthday at the end of this month.

I’ve been searching the inter-webs for Riedel wine glasses of a particular shape and a really nice corkscrew with a leather case and possibly a wood box of some sort for storage. No luck on the corkscrew thus far. It’s a little weird trying to bargain hunt for “office supplies” (any number of weird things fall into that category) because Big Boss has such a specific idea of what he wants.

Normally, I would just use the office credit card to order online, except Little Boss gets the statement and I don’t want him to find out what we’re getting him before his birthday. But it seems just a little tacky to charge it on my card and then say: here, can I get a reimbursement? He’ll know what we spent anyway, but still. Just sayin’ it feels a little tacky.

April 10, 2007

Airline Snafus and the flexibility of your ticket

Zachary’s post about dropping off his wife at the airport two minutes too late to board reminded me of something.

I did sort of the same thing on my return from the Vietnam trip, except I arrived at the airport later than I should have, and missed the cutoff to check baggage while waiting in line to check said baggage. That sucked. And they wouldn’t send my baggage after me, on the next flight out either. Me and the baggage, or no go, they said. *sigh*

United wanted $100 (!!) to change my flight so that my bags could go with me, and since that was twice the fee I’d paid for the ticket in the first place, I seriously considered leaving the bags behind with BoyDucky.

Luckily, it turned out that since I was flying an award ticket, they were able to change my flight to the following morning without a fee. They may never say so officially, that I could find anyway, but award tickets are much more flexible when you’re at the airport and run into problems than a regular paid flight.

*Yes, this is the same trip wherein I had problems on the train, the outgoing flight just to get to SFO to catch the international flight, etc. etc. etc. Rather fitting, don’t you think?

Rats, screwed by the 3rd qualifying rule. Tax code, feh.

Hmph. It turns out that, despite my intense denial, the accountant is right and I can’t claim HOH status with both Pa and MaDucky as my dependents. Force of willpower can’t make him wrong, after all.

MaDucky made more than the 3,300/year income limit, and so, despite the fact that I’m pretty much paying for the entire household, I cannot claim an exemption for her. This means I could end up owing money after all. I’d artificially inflated my exemptions for the last quarter of 2006 to compensate for what I thought was overwithholding all year, but forgot to factor in my bonus and the possibility that I might not have 3 exemptions this time ’round.

Drat.

What does this mean? Well, I’ve already reduced my exemptions for this year. But, I have to try to sock away more into my retirement accounts to lower my taxable income some more in case my bonus is the same as last year’s or better.

Phooey phooey and drat. I hate it when well-laid plans go awry. It’s a good thing I never counted on a refund, though.

April 7, 2007

Book Frugality

In what may seem to most PF bloggers a ridiculously simple and obvious frugal move, I’ve gone and renewed my library card. For various reasons (accessibility, doubts that they had anything I’d not read yet, etc.) I haven’t been to our public library in years. The one time I did go there to study last summer, I found the upstairs to be resoundingly noisy and annoying with children running around, talking at the top of their lungs and eating. Shocked to my very soul, I haven’t been back since.

This afternoon’s visit was much more sedate and satisfying. They couldn’t find my library membership from a decade ago, but didn’t require my birth certificate, utility bills and passport to verify my identity. Though I did have the utility bills in my purse, they were none of them in my name, and would have been useless. Happily, the library has relaxed their standards just enough to allow even a reprobate like me to borrow a few books. I was only allowed three since it was my “first visit” but I’ll just come back tomorrow and heave home another armful of books. How reminiscent of my childhood this is!

AND, I’ve got reading materials galore without violating my no-spend parole. Happy day!

3 trips, no baggage

I often ask BoyDucky to name three things for me. Three things he’d consider the most important “fun” items he’d spend on. Three things he’d like to do before he grows up. Three things we should definitely do for our wedding. Three reasons why we shouldn’t elope and skip the wedding nonsense.

His counter-proposal? Three trips before we have kids. We’re … well, I’m young 😉 and we both want to travel. And we like to travel together. Since we’re long distance, we spend more time travelling to each other than with each other, so we definitely want to discover new places together when we finally live in the same city. Trips within trips are fine and all (aka: the Vietnam trip: I had to travel to meet him, and then after we returned to the States, I had to travel back home again) but an actual trip in all its planning, budgeting and fussing glory is what we want.

We’d like to do three trips after we’re married but before we have kids, to see friends, to explore, to eat.

Where would you go?

I’ve got grandiose dreams in mind, none of which are affordable, I think:

1. Europe. Like naming an entire continent’s not cheating?
2. East Coast. I’ve got my 25K American Airlines miles ready and waiting, how ’bout you?
3. Someplace totally exotic. Er, was I supposed to wait for our honeymoon for this one? Does the honeymoon count? Should it count? And Comic-Con doesn’t count.

April 6, 2007

Income Dividends vs. Long Term Cap Gains

I received my first Roth IRA transaction statement today, and I must admit: I’m baffled. It lists income dividends at the end of each month, which I understand: as your fund makes money, you get dividends paid out which are just reinvested in the same stock or bond if you choose not to take the money out. Yes? So, what’s this other thing, the long term capital gains thing?

This statement has a lot more information than my usual Vanguard statements. It lists the Year-to-Date Income Dividends, the ST/LT cap gains, the contributions/distributions, and the total income year-to-date separately and neatly. It’s even got my 30-day yield, share prices, trade dates, and total shares owned. Yet, I understand so little!!

I’m really writing this post to serve as a big fat reminder that I need to look all this up and figure it out. But I’m not going to do it right this second because it’s ten til midnight and I’m old and tired. Better luck tomorrow.

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