I never expected a post about drinking tap water vs filtered water to garner so much discussion and so many comments, but it did and I am very happy about it. It seems there is a wide variety of experiences out there, from tap only to bottled only and everything inbetween. I don’t live in the same place that I grew up, so it could be that I just don’t like something about the tap water here vs where I was a kid, or it could be that I have acquired a taste for filtered water as an adult. I definately like water cold better than warm (always have) and I have tried chilling the tap water straight and still not liked it, but who knows. I still have a number of filters left, so we’ll see what happens when the run out.
As for the refund of premium rider on the long term disability insurance, we’ve decided against it. Thanks for all the responses reinforcing my gut feeling that it was a bad idea. It was one of those things that I felt in my gut was not a good thing but my head kept looking at the numbers and wondering if I was being too conservative. However, I don’t agree with the comments that the market is a good comparison – a 5 year period, to me, isn’t a place I would expect a 8% return. For example, my spouse has had his current 401K for almost exactly 5 years now. We got his most recent statement in the mail this week, and it says over the entire period of his ownership, he’s had a 2.45% return. I know over a long horizon it’ll be better but my point is, over a 5 year period alone the market isn’t, for me, a great risk. I’ll stick to savings accounts for short term gains.
With that, I was in a number of carnivals last week and I hadn’t yet done a roundup of them, so that’s what I’m doing today. I’ve kind of gotten out of the habit of contributing to carnivals, so although I met the halfway mark of having 25 editors picks in (less than) 26 weeks, I really haven’t been contributing to carnivals at all lately so reaching 50 by the end of the year probably won’t happen unless I go back to entering my posts in them. As my time has become more constrained by my children and my many projects, some things have fallen by the wayside. We’ll see what happens when summer is over and my son goes back to school. Here are the carnivals I was in and my posts that were recognized, as well as a post I especially liked from each carnival:
The Carnival of Debt Reduction was at Help My Cash Grow and my post Using Language As Motivation was an editor’s pick! Thanks to the host and here is a post I particularly liked was a question from a Frugal Dad reader: Help! My minimum Payments Aren’t Making a Dent! Help someone get out of credit card debt by contributing your own tip.
The Carnival of Personal Finance was at Mighty Bargain Hunter and included my post about first steps for Long Term Disability Insurance. I also enjoyed the post from Blueprint for Financial Prosperity about online banks not being all about rates.
The Festival of Frugality was at Squawkfox and included my Four Strategies For Fighting the Takeout Urge. I also liked Quest For Four Pillars’ Everyman’s Guide to $30/month in Passive Income. Increasing income, even by a little, is another important facet in the battle of debt elimination in our household.
The Carnival of Money Stories was at the Baglady and included my comparison of Absentminded Spending and Absentminded Eating. I liked Harvesting Dollars’ entry about Garage Sales For Gas Money – I once drove by a sign that said “Garage Sale – We Need Money To Pay For Our Wedding!”
The Carnival of Financial Goals was at Military Finance Network and included my post about A Year of Debt Reduction. Declare Financial Freedom along with Mrs Micah who writes about what Financial Independence Means To Her.
That is all of them, please visit the carnivals and take a look around for yourself, there is a lot of great posts in them! Have a nice rest of your weekend!