Search found 2240 matches

by englishgirl
Tue Aug 04, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 1474

Re: Spousal Benefits - so confusing

While he's basically stuck, as already outlined, he could choose to suspend his benefit now if he doesn't need the money. He would then receive some delayed retirement credits for the months that he does not collect a benefit. Do we know how old the husband is? Not sure but can he suspend benefits ...
by englishgirl
Mon Aug 03, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 1474

Re: Spousal Benefits - so confusing

While he's basically stuck, as already outlined, he could choose to suspend his benefit now if he doesn't need the money. He would then receive some delayed retirement credits for the months that he does not collect a benefit.
by englishgirl
Fri Jul 31, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2166

Re: Amazon reviews

It's not just book reviews. Skin care reviews are terrible, and I assume many other sectors too - companies give away free or heavily discounted products in exchange for providing a review. Naturally people feel somewhat obliged to be nice. I've also bought products and then had emails from the sell...
by englishgirl
Thu Jul 30, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3431

Re: Retirees: Social Security and Expenses

I wonder if a better question would be *could* you live on your actual SS benefit alone? Initially I was interested in the responses, hoping it would yield some useful information for planning purposes. And then of course it veered off into a discussion of income. Anyway, right now, I think I could ...
by englishgirl
Mon Jul 27, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: The forgotten inaccuracies of our small predictions
Replies: 18
Views: 1866

Re: The forgotten inaccuracies of our small predictions

The same thing happens to me with books. I read the book, and form a mental image of the characters and the settings. Of course, if this is a series of books, my mental image gets stronger and stronger with each book. And then the movie or TV series comes out and I'm completely disgruntled that MY m...
by englishgirl
Wed Jul 22, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4078

Re: What are your financial goals?

Pay off house, and save/grow investments to a million bucks, then retire. It used to be to save $1.5M and then retire, but I've been cutting my spending so now I realize that I need less. Edit: oh, you asked how we plan to meet those goals. Keep earning money, live below my means, keep on saving, in...
by englishgirl
Wed Jul 22, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10631

Re: How do people afford children with a SAHS?

I think part of the problem with this thread is that the OP has asked how it is possible to have a SAHS on one income, and then has shot down every single suggestion for saving money. Or at least, that's what it seems like. Even cell phones - OP could switch to Cricket, which is owned by AT&T, a...
by englishgirl
Tue Jul 21, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6048

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Nobody has suggested moving downtown in city B? Then OP gets to keep his job, and maybe wife is happier. Isn't part of OP's spouse's dissatisfaction that they now live in the exurbs whereas they used to live downtown in city A? That would be a major lifestyle downer for me. I think we just don't hav...
by englishgirl
Fri Jul 17, 2015 11:09 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 13504

Re: English Girl

Taylor Larimore wrote:Sarah:

You were a stalwart at our previous meetings and you will be greatly missed.

We hope to see you at our subsequent meetings.

Thank you for all you've done! It is not forgotten.

Best wishes.
Taylor


Thanks Taylor!
by englishgirl
Fri Jul 17, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5512

Re: Does Anyone Plan to Work Past 70 years of Age

I think I would like to do some part-time seasonal work in my 70's. I live somewhere very seasonal, so it'd be nice to bug out of town with the crowds and go and travel every summer, and then be back in town to do a spot of work over the winter while there's lots of people wanting services and with...
by englishgirl
Fri Jul 17, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: HSA's and Emergency Funds
Replies: 8
Views: 823

Re: HSA's and Emergency Funds

No, but that's because it seemed to me that compared to other Bogleheads, I had a small emergency fund. Plus, I dropped my hours at job #1 so that I no longer qualify for benefits and decided that I couldn't afford both health insurance and disability insurance. The individual health insurance plan ...
by englishgirl
Thu Jul 16, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5512

Re: Does Anyone Plan to Work Past 70 years of Age

I think I would like to do some part-time seasonal work in my 70's. I live somewhere very seasonal, so it'd be nice to bug out of town with the crowds and go and travel every summer, and then be back in town to do a spot of work over the winter while there's lots of people wanting services and with ...
by englishgirl
Wed Jul 15, 2015 3:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 13504

Re: South Florida Local Chapter

I'll be busy at a day-long seminar that day, but I hope you all have a fun and enjoyable meeting!
by englishgirl
Wed Jul 15, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5115

Re: VRBO illegal rental [Vacation Rentals by Owner]

I actually reported the people that own the property next to mine for operating a vacation rental property while claiming the property as a homestead to get a deal on the property taxes. The only thing that seemed to happen was that a while later they deeded the property to some cousins who are appa...
by englishgirl
Tue Jul 14, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7546

Re: Are you going to shop on Prime Day?

Here's a preview of some of the deals that will be available: http://phx.corporate-ir.net/phoenix.zht ... ID=2067573

Yasss! $30 off a Kindle, which is exactly what I wanted. Now, if only I can snap one up at the right time...
by englishgirl
Tue Jul 14, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3963

Re: I-Savings Bonds

I started buying a VERY small amount every month the last time the fixed rate went above 0%, and have just kept on even though the fixed rate went back down. I'm currently at $40 a month, I think. I've been bumping the monthly amount by $5 every six months. I set up an auto-purchase for 6 months, an...
by englishgirl
Tue Jul 14, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7546

Re: Are you going to shop on Prime Day?

My strategy: I joined Prime yesterday for the 30-day free trial membership. Going to cancel when it is up, but in the meantime I aim to take advantage of all the videos, free kindle books and songs I possibly can. I will definitely be playing a song tomorrow, as that enters you into a drawing for Am...
by englishgirl
Tue Jul 14, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4101

Re: Cost of Routine Dental Cleanings

I just paid $130 for a cleaning. In six months' time they want me to do x-rays as well - I usually try to worm out of doing x-rays quite as often as they say, although I do do them fairly regularly. I don't remember exactly what it is with x-rays. $190 or $200 seems about what I paid last time I did...
by englishgirl
Wed Jul 08, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help for a Stagnated Portfolio
Replies: 6
Views: 755

Re: Investment Help for a Stagnated Portfolio

If you're lazy, why not put the money in your IRA and 401k into Target Date or Lifestyle funds and be done with it?
by englishgirl
Wed Jul 08, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Where to "park" scattered HSA monies
Replies: 5
Views: 443

Re: Where to "park" scattered HSA monies

As already mentioned, if you're looking for a cheap place to park your money, look at Credit Unions. Mine is in cash at a local credit union yielding 1.5% with no fees. Unfortunately, it's not available nationally (but you may have a similar deal near you), and there's no investment opportunities. I...
by englishgirl
Thu Jun 25, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?
Replies: 36
Views: 3691

Re: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?

This is truly looking at apples and oranges. I would be looking for a middle ground - a true one bedroom (no den) that is about $1500 and as close to your ideal neighborhood as you can.
by englishgirl
Thu Jun 25, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How to set up an automatic investment without being able to cancel easily
Replies: 11
Views: 1190

Re: How to set up an automatic investment without being able to cancel easily

I would think that making the investments less painful would mean less incentive/need to have to reach for the cookie jar at all. As already mentioned, put aside enough in your emergency fund/slush fund to cover higher expense months. Then for investing, start with a small amount. Something you thin...
by englishgirl
Thu Jun 18, 2015 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 13504

Re: New South Florida Local Chapter

I could potentially attend a meeting, although I am not sure, but don't think I can help with organizing this time around. Time seems to be perpetually crunched lately. I know clevername has been very busy too.
by englishgirl
Mon Jun 15, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5717

Re: Coffee - just starting out

mlipps wrote:Agree with the suggestions that an Aeropress is a great way to make something very similar to an espresso at home.


Yup, me too. I use my Aeropress regularly. Very easy to use, and makes decent espresso-like coffee.
by englishgirl
Mon Jun 15, 2015 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: planning for my widow: SS and my early death
Replies: 13
Views: 2799

Re: planning for my widow: SS and my early death

Could she go (back) to work, and has she ever worked? Is she disabled? If she is disabled, she could claim survivor benefits at age 50, I believe. Retirement benefits on her own record are payable after 10 years of work, so if she has some years of work in the bag already, she could top up to 10 yea...
by englishgirl
Mon Jun 15, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 3155

Re: Which is a best place to start learning yoga?

I have done yoga on and off for 20 years. I was extremely lucky that my first yoga teacher was excellent and made me enjoy and want to do yoga, but then after I moved, I was lost in the wilderness for many years so for 15 years of that 20 my practice was mostly "off". I tried gym classes, ...
by englishgirl
Wed Jun 10, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursements - to take now or wait?
Replies: 13
Views: 1334

Re: HSA reimbursements - to take now or wait?

For small amounts, I pay out of pocket, and leave my HSA to grow. I will use the HSA for large amounts, though. My HDHP has a $6300 deductible, so it would be a financial hardship to pay that all in one go out of any other account if I ended up having to go to the ER or something like that. It all d...
by englishgirl
Mon Jun 08, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6646

Re: What Percent Of Your Annual Expenses Are Property Taxes?

About 8.5%.

At some point I hope to move to a cheaper home with lower tax. It feels too high to be spending that much of my expenses just for property tax.
by englishgirl
Tue Jun 02, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3389

Re: No-line bifocals from Costco

I have a pair, but they're my first ever bifocals (sob...getting old) so I don't have previous pairs to compare to. I found them easy to adjust to, however, and no problems so far (had them about 2 years now, I think).
by englishgirl
Mon Jun 01, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: How to furnish a new residence, completely from scratch
Replies: 35
Views: 3169

Re: How to furnish a new residence, completely from scratch

We really appreciate all of the helpful suggestions. Some of you are focusing a bit too much on price. ...snip... So again, our goal isn't to minimize spending. It's to buy good quality furniture and get set up as quickly as possible. Does that mean IKEA is out? That's a sincere question. Is even t...
by englishgirl
Mon Jun 01, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: How to furnish a new residence, completely from scratch
Replies: 35
Views: 3169

Re: How to furnish a new residence, completely from scratch

I know someone that furnished her entire apartment from Goodwill and it looks amazing. She repainted every wooden surface that didn't look good in white paint (wood that was still good was left whatever color it was already stained), and re-covered the sofa and chair cushions with white fabric. Even...
by englishgirl
Mon Jun 01, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6577

Re: Which grocery stores do you shop at and why?

Winn Dixie - because it's two blocks from my house, and they have been upping their organic/natural game lately. Aldi - for the prices, and pretty good organic selection. Publix - it's not too far out of my way and sometimes I get bored of the Winn Dixie selection. Whole Foods - occasionally, to sto...
by englishgirl
Thu May 28, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone changed careers after building required nest egg?
Replies: 13
Views: 2474

Re: Anyone changed careers after building required nest egg?

I have been trying to do this. But a) my new career/business is getting off the ground very slowly and I had a major setback getting away from a biz partner who was a bad fit, so had to basically start again with nothing and am still not earning enough from it to support myself, and b) I am still no...
by englishgirl
Thu May 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 5725

Re: Best Chromebook 2015

I used a couple Chromebooks for awhile to try them out: the Toshiba and the Samsung. I simply couldn't figure out why I would want to use one instead of my small Lenovo laptop. It was a pain to do the things I usually do on my laptop, so after fiddling with them for awhile I returned them. You can ...
by englishgirl
Tue May 19, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 5725

Re: Best Chromebook 2015

What are the most common situations where you would need a regular computer and a chromebook would not do? Any time you want to run stand alone software that isn't available on the Chrome OS. Off the top of my mind Quicken Turbo Tax or TaxCut YNAB Photoshop AutoCAD Oracle MS Office at the power use...
by englishgirl
Mon May 18, 2015 10:37 am
Forum: Personal Consumer Issues
Topic: Best cell plan for 'data hog'?
Replies: 13
Views: 1397

Re: Best cell plan for 'data hog'?

I switched to Cricket and find absolutely no difference from when I was paying a lot more on AT&T. Well, it IS AT&T, so there's that. Cricket currently has the S4 for $249.99 and the S5 for $489.99. Make sure you are using wifi at home or work/school, as that will help keep your data usage d...
by englishgirl
Mon May 18, 2015 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Best 401K option in terrible plan
Replies: 8
Views: 721

Re: Best 401K option in terrible plan

I would still contribute, to get the tax deferral and money in a 401k - it can always be rolled to another plan if/when you leave the company. That is, assuming you are maxing your IRA. If you're not maxing your IRA, do that first in preference to the 401k. I would also keep pushing (nicely) to get ...
by englishgirl
Mon May 18, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 13
Views: 1660

Re: My Home: Renovate or get out?

A house this age in south Florida is almost certain to have extensive termite and other insect damage. I definitely would not add on, but if you want to live there a tear down might be the way to go. Ralph It may not necessarily have "extensive" termite damage. My house was built in the e...
by englishgirl
Wed May 13, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10628

Re: I Hate Vacations

My issue with vacations is that I do not get any paid vacation time. So I have to not only spend money going away, I don't earn any money on those days either, so that makes budgeting for one to be fairly difficult (making sure there's enough money in the account for paying bills, etc). This usually...
by englishgirl
Wed May 13, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 4567

Re: Brand Loyalty

Hmm, this is interesting. What makes us shift loyalty? Is it purely quality and price? Convenience? I find that lately some of my loyalties have shifted. Costco used to be one of my big ones. But I'm thinking of giving up my Costco membership, although haven't yet (mostly waiting for my Amex cash ba...
by englishgirl
Mon May 11, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Largest Credit Card Sign Up Bonuses
Replies: 11
Views: 2458

Re: Largest Credit Card Sign Up Bonuses

I just got a good offer for the American Express SimplyCash Business card of $300 statement credit after only spending $1000 the first 3 months. In cash terms I guess it is not the biggest, but the amount of spending you have to do to get it is low. But it doesn't appear to be generally available wi...
by englishgirl
Mon May 11, 2015 2:46 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 7707

Re: International - Who really is at 40%

Currently my equities are split 58:42 between US and international.

I used to be at 50:50, but it dropped when I changed my AA around to be more lazy (more in balanced funds like Lifestrategy Moderate Growth, less in individual funds).
by englishgirl
Sun May 10, 2015 3:26 pm
Forum: Forum Issues and Administration
Topic: Private Message Sitting in My Outbox for 4.5 Hours
Replies: 4
Views: 1372

Re: Private Message Sitting in My Outbox for 4.5 Hours

jebmke wrote:It will sit in the out box until the recipient reads it. Then it will move to "Sent".


I've had one sitting in my outbox for over a year. One day I hope the guy will log back on and read it, although I guess he left Bogleheads in the dust.
by englishgirl
Sun May 10, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1864

Re: Florida Homeowners Insurance

I used to have a policy with Florida Family. The only reason I switched is that they wouldn't insure me for hurricanes, so I had to have a separate Citizen's policy for about 10 years. Then that got even more exorbitantly expensive, but I was luckily able to find a company that would insure for both...
by englishgirl
Wed May 06, 2015 12:28 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5374

Re: UI issues (especially iPad)? please evaluate alternate styles

I just have to say I was really freakin' happy with the format this morning when browsing on my iPhone. Super nice.

I use Chrome browser normally and can't say I love the bogleheads.org page, but the actual forum posts are fine.
by englishgirl
Mon May 04, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 3486

Re: Who's Buying I Bonds Now?

I am continuing to buy I bonds. Haha, I guess I am the contrarian. But I am buying a whopping $40 a month, and it's for part of my emergency fund. I didn't see any reason to stop buying. Sure, I would like to earn more than 0% but at least even these bonds will keep pace with inflation. And at least...
by englishgirl
Sat Apr 25, 2015 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 28
Views: 7323

Re: Costco and AMEX

I suppose I will get another American Express card, assuming AE transfers me with the length of time I had the card. They did so when I replaced a regular AE card with the AE/Costco card. I have already received an offer from Amex to transfer from the Costco card. What options did you get? I don't ...
by englishgirl
Thu Apr 23, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Alternative to Quickbooks?
Replies: 8
Views: 818

Re: Alternative to Quickbooks?

How many clients do you have? If you're just working for one or two main clients, maybe take a look at Freshbooks. It's an online program. I did a free trial of it, and couldn't figure it out personally (too used to Quickbooks) but I did notice that if you have up to 3 clients you can use it free fo...
by englishgirl
Wed Apr 22, 2015 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Work adjustment options
Replies: 19
Views: 1658

Re: Poll: Work adjustment options

I think it depends mainly on your other interests. What are yours? I'm not planning world travel if that's what you're asking. I have some personal programming projects I want to look into, not ones likely to provide any financial reward. More time for my books and music. Friends and family time. I...
by englishgirl
Wed Apr 22, 2015 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Investing with a W2 income & no employer retirement options
Replies: 7
Views: 628

Re: Investing with a W2 income & no employer retirement opti

If they and their spouse (if any) do not have a plan at work, then they can put the money in a tax-deductible IRA as there's no income limit in that situation. If a spouse has an employer plan, then the income limits are in place, but higher than for people who have retirement plans available. See: ...

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