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Re: What's in your tax advantage accounts?

I don't make any distinction between pre-tax (401k) and post-tax (Roth) accounts, as I'm not that sophisticated. To me, the important thing is that they are all tax advantaged. I have balanced funds in both for simplicity; I don't have any taxable accounts.
by englishgirl
Mon Sep 15, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 28
Views: 1427

Re: Can You Build Your Retirement Portfolio Young, then Coas

I am trying to do that. I have my second job up and running, but I'm just not earning enough from it to be able to quit the day job yet. But I'm down to 20 hours a week at the day job, so that's something. I've never maxed out my 401k, to be honest, but every time I run the numbers, if I let my 401k...
by englishgirl
Sun Sep 14, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 28
Views: 3267

Re: Costco vs Amazon?

Regular purchases: Toilet paper, dry cat food, wet cat food, coffee, green tea, olive oil, rice, quinoa, lentils, hummus, laundry detergent, frozen organic veggies and fruit (I tend to buy fresh stuff at a local store), frozen veggie burgers, butter, almond milk, almonds, walnuts, canned black beans...
by englishgirl
Thu Sep 11, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4301

Re: Anyone have a house with a pool?

I bought a house I loved even though it had a pool that I didn't want. I hate the darn pool! Everyone told me not to fill in the pool because it would reduce the value of the house and cost several thousand dollars. But I've easily spent WAY more on pool maintenance than I would have spent on fillin...
by englishgirl
Thu Sep 11, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2253

Re: Why COULDN'T we just retire on Social Security?

I have frequently wondered this, especially if I wait until age 70 to take SS. If (and here's the big IF in this equation) I got my full projected age-70 SS benefit, then it's not that far off what I spend now including paying my mortgage which should be paid off before retirement. And there are man...
by englishgirl
Thu Sep 11, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 5694

Re: New or Used Prius

If you're talking about federal tax credits, you want to be absolutely certain that the car you are looking at qualifies for a tax credit. The credit is phased out once 60,000 of the manufacturer’s qualifying passenger automobiles and light trucks have been sold. As far as I know, only the plug-in P...
by englishgirl
Fri Sep 05, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Prius
Replies: 9
Views: 829

Re: Costco:is it worth it for just two people?

I'm single, but I do buy some stuff for my boyfriend's house there too. I find Costco worth it if I can be somewhat disciplined in what I buy there. For instance, if I only buy one type of rice, and keep working my way through the bag, I do OK. I do keep things like brown rice in the fridge so it'll...
by englishgirl
Wed Sep 03, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 135
Views: 10067

Re: Once your house appreciates +$250k, sell it?

Remember that you can include the cost of capital improvements in the basis. So keep information as to the cost of that new roof, and kitchen upgrade, and you could potentially use it to reduce your profit down below the tax threshold. You can also take off the realtor's commission, and a few other ...
by englishgirl
Tue Sep 02, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3645

Re: Bad(?) advice given about Target Date Retirement funds

... That said, TR 2035 will "glide" 7-8 points over 5 year periods. 1. So what?... 2. Unless, that is, you are attempting to dance on the head of a pin -- a.k.a. "carefully selected AA." The issue is with the oft-repeated advice to ignore the calendar year in the name of fund, a...
by englishgirl
Mon Aug 18, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6463

Re: Bad(?) advice given about Target Date Retirement funds

I used to try to make the same point, which was also routinely ignored. I always thought this was incorrect advice, because if you follow it, even if the AA matches what you want NOW, the glide path will throw you off very quickly, and will reduce stock percentages either too fast or too slow (depe...
by englishgirl
Mon Aug 18, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6463

Re: Bad(?) advice given about Target Date Retirement funds

Lately I have noticed the following (paraphrased) advice given about TD funds: For simplicity, invest in a TD fund but don't go by date, instead pick one with an AA that matches your risk tolerance. This seems to me to be bad advice because when you pick an AA you are also picking a glide path. If ...
by englishgirl
Mon Aug 18, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6463

Re: RBD here yet? (DOW -300points drop)

It softened the blow a bit that although I had to wait months to get my 2013 profit sharing from my employer when everyone else got most of theirs at the end of last year, at least fortune smiled on me a tiny bit that the payout took place on a down day in the market. I always did like buying things...
by englishgirl
Thu Jul 31, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5110

Re: 401K Target Retirement Fund or Not

For what it's worth, I spent some time being all sophisticated and trying to build fancy portfolios. And now I've come full circle and put my money in balanced funds. Yes, you could marginally reduce your expense ratios, but will you really have the discipline to rebalance when appropriate, or stick...
by englishgirl
Mon Jul 28, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Target Retirement Fund or Not
Replies: 19
Views: 1093

Re: POLL: My home is worth less/more in 2014 than in 2007?

I used Zillow even though people think their Zestimate is crap. I think it's a lot closer to reality than the property assessor's value, which is a total fiction if you ask me. The estimate for my place was $463k in Jan. 2007 and $414k in Dec. 2007, so I averaged those two numbers. I'm sure it would...
by englishgirl
Mon Jul 28, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5828

Re: Poll: Has your AA changed in the last 18 months

Other: I decided to go to an extremely passive portfolio, including all balanced funds where possible. This has caused my AA to become more aggressive.
by englishgirl
Mon Jul 28, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3758

Re: Treasury Direct--just blowing off steam

I was in this situation, although I didn't have a zero balance. I managed to get a medallion signature before I closed my old bricks and mortar account, in order add my new bank account to TD. So I did that, and then closed the old account. Great, right? NO. TD added the old account as a second acc...
by englishgirl
Fri Jul 25, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4221

Re: Treasury Direct--just blowing off steam

I have been locked out of my account for several months. Luckily, it has a $0 balance, so I don't really care. I had been contemplating trying to call them to unlock my count, so I could resume a savings strategy to include iBonds. However, I would need to also change banks, and would have to do th...
by englishgirl
Fri Jul 25, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4221

Re: Reaching Severe Burnout - Can I Scale Back Career?

Read up on the "rule of 72". Basically it is about how long it should take your money to double at certain interest rates. At a somewhat reasonable 6% return, IIRC your money should double in about 12 years. Think about how many 12 year periods you have before full retirement age for your ...
by englishgirl
Wed Jul 23, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 50
Views: 6094

Re: Anyone been to Charleston, SC?

Ooh, timely! The bf and I are going there in a couple of weeks. I was a bit worried about walking around in the oppressive summer heat. I didn't think of taking a horse and carriage ride - that might be fun! Do they run in the evenings? I think we'll probably get there around 8pm on a Saturday nigh...
by englishgirl
Wed Jul 23, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1530

Re: Anyone been to Charleston, SC?

Ooh, timely! The bf and I are going there in a couple of weeks. I was a bit worried about walking around in the oppressive summer heat. I didn't think of taking a horse and carriage ride - that might be fun! Do they run in the evenings? I think we'll probably get there around 8pm on a Saturday night...
by englishgirl
Wed Jul 23, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1530

Re: Will app for biz credit cards impact personal credit sco

Yes. But mine seems to be back to normal only a year later.
by englishgirl
Mon Jul 21, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Will app for biz credit cards impact personal credit score?
Replies: 5
Views: 479

Re: Best Used Recreational Bicycles for New Riders

Here's what I thought about when I bought my bike: I want fenders, as I don't want mud or rain splattering up my back, especially if I use it for commuting. I want a comfortable seat. I want a few gears but not too many. I want it to be pretty lightweight so I am not struggling. I want a basket so I...
by englishgirl
Mon Jul 21, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Best Used Recreational Bicycles for New Riders
Replies: 26
Views: 2316

Re: Hw many credit cards to own?

I have 3. I use 2.

I'd close the one I don't use, except that it might have a bad effect on my credit score as one of the other cards is new. So I keep it open with a zero balance. Silly games, really, but I guess we gotta play them if the credit scoring agencies do.
by englishgirl
Mon Jul 21, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 17810

Re: [Poll] % of 3 funds in your financial asset portfolio?

I do have a minuscule amount of Total International Bond Index, as it's included in the Lifestrategy fund which I own in my Roth. And I assumed that it was OK to count Lifestrategy funds as basically being 3-fund portfolios.
by englishgirl
Fri Jul 18, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1752

Re: If you own a car, do you have a car payment?

I own my car as I saved up and paid cash for it. However, I feel like I still have a car payment. I pay a set amount every month from my checking account to my car saving account, for the next car. Now, it's only $200 a month, as I decided to spread the saving over 10 years, whereas if I had a real ...
by englishgirl
Fri Jul 18, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7444

Re: Changed Lawyers - Won't Transfer File

Not a legal opinion (obviously - I'm a random internet stranger), but it seems to me that "surrendering papers" does not equate to a responsibility for the old firm to spend money mailing the papers somewhere else.
by englishgirl
Wed Jul 02, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2291

Re: Contribution limits, no 401K option..Do I have this righ

If you are not covered by a workplace retirement plan, you might be able to have a deductible IRA. A couple of responses have alluded to this, but I don't think anyone has spelled it out for OP. MFJ with coverage by a work plan can have a fully deductible IRA with AGI up to $96k MFJ with a spouse wh...
by englishgirl
Thu Jun 26, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribution limits, no 401K option..Do I have this right?
Replies: 29
Views: 1312

Re: Retirement Planning with and w/o SS

Definitely calculate the difference with delaying to 70. Quite eye opening! And then that trick where one of you files and suspends at 67 so the other can collect spousal benefit at FRA while you both continue to rack up delayed retirement credits - wow, seems like free money! And do run all the cal...
by englishgirl
Mon Jun 09, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with and w/o SS
Replies: 27
Views: 2700

Re: POLL: Do/did you get a match? How much?

No match, but profit sharing. Which is optional, and only paid at the end of the year so if you leave before it is paid out, you get nothing. But I answered based on the typical percentage of the profit sharing.
by englishgirl
Fri Jun 06, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4231

Re: Are hybrid cars a good idea yet?

You know, my commute used to involve a lot of freeway driving, and the gas mileage in my Prius was better than now, when I mostly do small in-town trips. The Prius is actually very efficient doing a steady 75 mph. Maybe I am just a poor city driver! I drove my first Prius for 100,000 miles, and the...
by englishgirl
Fri May 30, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8350

Re: Are hybrid cars a good idea yet?

You know, my commute used to involve a lot of freeway driving, and the gas mileage in my Prius was better than now, when I mostly do small in-town trips. The Prius is actually very efficient doing a steady 75 mph. Maybe I am just a poor city driver! I drove my first Prius for 100,000 miles, and the ...
by englishgirl
Thu May 29, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8350

Re: How do you dress for work travel?

Noooo! Don't ever google degloving injuries. :x NSFL!

As for me, I'll wear yoga pants on a flight if I can get away with it. I find the air in airplanes to be very cold.

But I don't suppose yoga pants are on your list of acceptable attire...
by englishgirl
Tue May 27, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: How do you dress for work travel?
Replies: 21
Views: 1876

Re: Is my 401k boat Setting Sail for FAIL??

Ugh. Fees. I would use the S&P 500, 400 and 600 funds in whatever percentage roughly matches the total stock market. Or you could overweight small or mid caps a bit. You could do 100% S&P 500, as already suggested, but a) the fees on the small and mid cap funds are really not that much diffe...
by englishgirl
Tue May 13, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my 401k boat Setting Sail for FAIL??
Replies: 31
Views: 1769

Re: Retirement planning married

...snip... If she is over the income limit for tax deductible contributions you should both contribute to a Roth not a tIRA. If you are married and filing joint tax returns the same income limits for deducting tIRA contributions apply to you both. ...snip... I know you used the relevant income limi...
by englishgirl
Mon May 12, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning married
Replies: 21
Views: 2096

Re: SS scenario, lower PIA spouse is the older

As I understand it, the worker on whose record the spousal benefits will be based must be at his/her FRA. This means that she can't file as my spouse (I'll only be 63). As far as I understand it, if you filed for your own benefits early (and thus, permanently reduced them), she could file as your s...
by englishgirl
Tue May 06, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS scenario, lower PIA spouse is the older
Replies: 18
Views: 1126

Re: Low iregular usage international calling

I use Google Voice on my iPhone. There are different charges as to whether the call is going to a landline or a cellphone. Calls to the UK are 2 cents a minute to a landline, or 10 cents a minute to a cellphone. I pay $10 in advance, and set it to auto top up whenever the amount goes to zero. I've n...
by englishgirl
Fri May 02, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Low iregular usage international calling
Replies: 11
Views: 681

Re: Can you raise kids in a townhouse?

Er, what? Maybe your definition of townhouse is different than mine? It's a house that has its own entrance, usually a patio or maybe even a yard, but is attached to at least one other house? Everybody I knew growing up was raised that way. Raising a happy child is mostly to do with the parents, not...
by englishgirl
Fri May 02, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3445

Re: Are my retirement dreams a mirage?

It seems like you're very concerned with enjoying life with other people - either current friends, or other retirees. I would think that if all your leisure activities rely on having other people there, then yes, it might be hard as an early retiree when your same-age friends are still at work, and ...
by englishgirl
Fri May 02, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Are my retirement dreams a mirage?
Replies: 39
Views: 4241

Re: Too many options!

How much do you need to live on, and how many years do you expect the PhD to take? Will your girlfriend support you while you do the PhD, or will you be self-supporting? You earn $50k now. I used a "take home pay calculator" on calculator.net, put in 1 federal deduction, and your 401k cont...
by englishgirl
Wed Apr 30, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too many options!
Replies: 3
Views: 287

Re: A 22 year mess

Gosh, it is hard to see what accounts you have. I know that's a function of Vanguard trying to break it down into style boxes, but still. Do you have two Rollover IRA's (hers)? It seems like it to me. Can you write out what accounts you have? I think you should have one 401k each, one rollover IRA e...
by englishgirl
Wed Apr 30, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: A 22 year mess
Replies: 29
Views: 5418

Re: Detached Townhome vs. Single Family Home Costs

"Single Family Home -Price: $300,000 Purchase Price -Taxes: $3,500 -HOA: $0 -Insurance: $2,000 Sorry to hijack the thread but I was doing similar comparison. So home owner's insurance cost is really 4 times than a townhome? That insurance quote seems extreme. I own a single family home of comp...
by englishgirl
Tue Apr 29, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 24
Views: 2727

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

If you didn't have so much money saved, I'd say you shouldn't quit without a plan for the next stage of your career. As it is, you would be absolutely fine to spend a few months finding yourself. You are not going to retire and live on your nest egg forever, as you'll be bringing in money again at s...
by englishgirl
Mon Apr 28, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28137

Re: Poll: Would you EVER recommend 100% equity?

Haha, asking for us not to comment on reasons is just asking for trouble.

I voted no. I would never recommend 100% equity. But if someone came to me for advice on their portfolio and they wanted 100% equities, and believed they could handle the risk, I wouldn't recommend against it.
by englishgirl
Fri Apr 25, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Would you EVER recommend 100% equity?
Replies: 136
Views: 26962

Re: Where would you retire, if $ were no object?

My mind immediately jumps to Manhattan. But actually I don't want to live there - the weather is not the best, it's a bit too busy, and unless I was obscenely wealthy, I'd be living in a tiny apartment. I'm happy to visit instead. So I'll say I'd like to retire in the city where I live now. If the c...
by englishgirl
Wed Apr 23, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19338

Re: In-law Suite

You questioned whether it will be easy to sell - I think you should look hard at this. If your home is a multi-million dollar estate type place, there's no problem having a palatial guest/in-law suite [I know you said you spent $900k, but that doesn't mean anything to me - $900k in San Francisco is ...
by englishgirl
Wed Apr 23, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 19
Views: 1975

Re: What's your number?

It used to be $1.5 million. Then I started thinking $1 mil would be enough with social security. Now these days I find myself thinking that I'll be set if I just pay the mortgage off and delay taking social security until 70 without any other savings. I'm mid-40's, no kids, not married but with an e...
by englishgirl
Wed Apr 23, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31597

Re: Hit your #, Still want to work, does your savings % chan

Me, I would start spending, probably on vacations. So I guess I would direct some of the savings to a fun account, and then go away a couple of times a year.
by englishgirl
Mon Apr 21, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5289

Re: SPIA - what do guarantee associations cover?

I do NOT understand the rules. However, I have clicked through on my own state's association website, and read what happened to annuity policies. All the ones I clicked on and read (all insolvent since 2000) had been transferred to new companies. This is what I read on nolhga.com: One important aspe...
by englishgirl
Mon Apr 21, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: SPIA - what do guarantee associations cover?
Replies: 23
Views: 2490

Re: Paranoia or just hard to adjust? [High Price of Real Est

2200 sq. ft is significantly larger than your current place, so you're not comparing apples to apples. Also, in Miami there are many many condos with water views. Maybe not so many in Ft Myers? [I don't know, just wondering.]
by englishgirl
Mon Apr 21, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2411

Re: If you have ACA health insurance, what is your experien

The cheapest plans available to me were HMO plans with limited networks. So I paid more for a PPO plan with a bigger network. There are plenty of different "ACA" plans, but I suspect plenty of people just picked the cheapest option without really realizing that it was an HMO. For me, it's ...
by englishgirl
Sun Apr 20, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 16503
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