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Re: Vanguard Diehards Alumni

I posted there starting in 2002, I think. Or late 2001. Stayed around for a while, and then lost interest or got annoyed at something. Stayed away for a while and came back. I've done the same over here too But I don't think I've been back to M* since this forum started - there hasn't been any need.
by englishgirl
Fri Mar 13, 2015 8:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1217

Re: $600 night guard for teeth grinding, really?

I got Invisalign instead for $7000 ish. It really helped - not only in moving my teeth to a better position to fix the problem more systemically but the retainer(s) act like a mouthguard as well. Though lately I've been a bit slack about wearing my retainer and am noticing a bit of jaw pain creeping...
by englishgirl
Thu Mar 12, 2015 9:00 am
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 5735

Re: Anyone ever use a closet design company?

I used California Closets when I first moved into my house 11 years ago. It's worked very well for my needs ever since, and is still in great shape. Well, the integrated laundry basket has a wire loose. But that's no big deal. I think what helped was that the previous owners had already removed the ...
by englishgirl
Wed Mar 11, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1499

Re: What percentage of your total net worth is your home?

Value = 50% of net worth
Equity = 33% of net worth
by englishgirl
Thu Mar 05, 2015 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 62
Views: 4068

Re: Health insurance costs- emergency fund question

For me, COBRA coverage was significantly more expensive than coverage I found on my own. Although the policy I went with was not as good, it is adequate for me. I think it's an age thing - the older you are, the better a deal you get with the COBRA coverage because the premiums are averaged out acro...
by englishgirl
Tue Mar 03, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health insurance costs- emergency fund question
Replies: 7
Views: 576

Re: Should we refi our ARM if we plan to move w/in 2 years?

If it helps, I have a similar rate on my ARM, and it just reset this year (March) to 2.75%. Last year I managed to get 2.6something for the third year in a row, so it's gone up slightly. My payment went up $7. I see absolutely no need to refinance if you're planning to be gone in a couple of years a...
by englishgirl
Mon Mar 02, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we refi our ARM if we plan to move w/in 2 years?
Replies: 7
Views: 534

Re: iPhone upgrade

I haven't upgraded, because my iPhone 5 is working perfectly well. But I just came off contract with it, and decided to switch my plan over to Cricket Wireless. I am now paying $35 a month for MORE data, call minutes and texts than I was previously paying $90 for. Now, that $90 did include part of t...
by englishgirl
Sun Mar 01, 2015 11:11 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 2469

Re: What age do you guys plan to retire?

Somewhere between 59.5 and 67, probably, with an outlying chance of somewhere between 55 and 70. I know, that's not a very small window, nor is it in any way any sort of accurate prediction. I figure I'll know better when I get closer. 58-59 is my current best guess of the earliest point at which I'...
by englishgirl
Sun Feb 22, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8871

Re: New laptop v. Refurbished, Apple v. Other

I bought myself a Chromebook (Toshiba Chromebook 2) when my Macbook died late last year. I love it for the most part, and the price was $220 + tax, which is not to be sniffed at. I have totally converted to using Google docs and sheets. Web browsing, watching videos and all that day to day stuff wor...
by englishgirl
Thu Feb 19, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: New laptop v. Refurbished, Apple v. Other
Replies: 14
Views: 1440

Re: What is the worst financial decision that you've made?

Went into business with the wrong person. I'm still trying to get out of it. Then again, I don't know if it would have been better or worse to launch entirely on my own when I didn't know anything about running a business. At least I've learned some stuff in the meantime.
by englishgirl
Wed Feb 18, 2015 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 15356

Re: Expecting a big inheritance - Should it change my life?

Well, while I am definitely on the "don't count your chickens" side [I was quasi-expecting a sizeable inheritance from my grandparents when they were in their 80's - Grandpa is now 98, and I am totally FOR him spending what money is left on his own comfort if he can] I do wonder if we have...
by englishgirl
Mon Feb 16, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8218

Re: What age did you become financially independent of paren

I could say 22. That was when I got my first real job, and started living entirely from my own paycheck. But that would ignore a) that I graduated with minimal debt, thanks to parental (and guv'mint) help, and that b) I knew that I could ask for help if I needed it. That psychological safety net was...
by englishgirl
Wed Feb 11, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4786

Re: Late start, low income - what to do first?

Oct 2014 to Feb 2015 is actually only 4 months. Not that I'm necessarily thrilled that it has been revived even if it's only 4 months. I didn't enjoy the way this conversation went, nor did I appreciate some of the PM's I got. Nevertheless, here's the update: he's paid off his credit card debt, and...
by englishgirl
Fri Feb 06, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 51
Views: 4400

Re: Florida Real Estate - Homes for < $200k

You can find that almost everywhere around the coast in the southern half of the state (well, except for swimming in January - brrrr - unless you have a heated pool). I mean, a 30 minute drive takes you pretty far inland. The real question is how nice of a community do you want to live in, and what ...
by englishgirl
Thu Feb 05, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Florida Real Estate - Homes for < $200k
Replies: 5
Views: 1137

Re: What to buy sweetie for Valentine's Day

If it helps, MY valentine's day will probably involve me cooking for my sweetie, us swapping cards, and maybe him choosing a DVD from the library for us to watch. He may buy some dark chocolate for us to nibble on. Which, apart from the cards, is a pretty normal Saturday. If I'm super lucky, the ros...
by englishgirl
Wed Feb 04, 2015 8:26 pm
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5845

Re: What to buy sweetie for Valentine's Day

A singing valentine from the Barbershop Harmony Society? Or other organizations that do this? I sent a msg. to a barbershop quartet to get info. I like the idea, but I think it would work better if she did not work from home and it happened at an office or a place of work. Still , very good thought...
by englishgirl
Wed Feb 04, 2015 1:32 pm
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5845

Re: How do you balance frugality and life?

I've been spending a lot of time at MMM in the past few months. I am definitely not one of the most frugal by a long shot! I have no intention of giving up my car, for example - it's a 2009, bought new, and I intend to hold it for 10 years. However, they have rubbed off on me a little bit, and when ...
by englishgirl
Tue Feb 03, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5469

Re: 22 yr old looking to improve my Roth IRA

I have a real job, and a "real" IRA that I could fill with a bunch of Admiral funds if I so chose. Instead, I keep it in one single fund - in my case a Lifestrategy fund. There's nothing wrong with keeping it in Target Retirement - it's a very sophisticated portfolio on its own.
by englishgirl
Sun Feb 01, 2015 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 yr old looking to improve my Roth IRA
Replies: 4
Views: 380

Re: Amazon Prime - good deal or calculated conditioning

I had Prime for free for a year after I bought a Kindle. I found it somewhat addicting, and I definitely spent more because of it, so I didn't renew it. Without Prime, I find there is a built-in resistance factor when I either have to make a trip to the store or add up a basket for $35, plus the fac...
by englishgirl
Wed Jan 28, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2962

Re: Perspectives on house with a pool

It depends on your family and how often you think you'd use it. When I was house hunting, I didn't want a pool, but ended up buying a house with a pool because so many houses had them, and I liked everything else about this particular house. People told me not to have it filled in because it would c...
by englishgirl
Wed Jan 28, 2015 11:53 am
 
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 2850

Re: Women's Face Moisturizer/Lotion

Will add what other women have said already - not a good idea for gifting. Too many variables. What gave you this nutty idea, anyway? She may even feel insulted - are you implying with the gift of "moisturizing lotion" that she has too many wrinkles? Needs to make herself look younger? If...
by englishgirl
Mon Jan 26, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3678

Re: Tax Preparation--Anyone try this as second income

My boyfriend has done the VITA course this year. he did a 3 day in-person course, but really the last day was entirely taken up with the test you have to pass. He starts his first volunteering session on Saturday. It's a way to get the class for free, and you only have to volunteer for 3-5 hours per...
by englishgirl
Tue Jan 20, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 13
Views: 2167

Re: Florida in the summer

cognitive biases Remarkable how biases shape how people think and view the world around them. The "Florida defense" is indeed a good illustration, and quite frankly the main reason I continue reading this forum is because I'm enthralled by the behavioral finance cognitive biases continual...
by englishgirl
Tue Jan 20, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5640

Re: Florida in the summer

Thank you for the chart. Can you change it to a greater scale, emphasizing the period between May and September, corresponding to the subject of this thread, which is summer in Florida? I don't consider temperatures up to 82 degrees as too-hot-and-to-be-avoided, and your chart seems to confirm my e...
by englishgirl
Tue Jan 20, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5640

Re: Florida in the summer

During my first summer in Florida, I was horrified that there were people walking around in jeans. In all that heat! And humidity! I thought they must have been a bit crazy. Now I can do that too, although I generally don't choose to. It's fine - you adapt. There is air conditioning everywhere, and ...
by englishgirl
Sun Jan 18, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5640

Re: POLL: Homeowners Ins cost $/month per $100k home value?

For a lot of reasons this survey will not produce helpful information. Insurance rates are generated on a state by state basis and there are myriad variables involved in the process. These factors include the type of construction (masonary/frame for example), amount of building coverage (goes down ...
by englishgirl
Mon Jan 12, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3320

Re: Do you use lifestrategy/ asset allocation funds?

I have Lifestrategy Moderate Growth as my only holding in my Roth IRA. Despite having access to individual funds with slightly lower fees, I choose to do it this way for simplicity. The money goes in the account, it sits there and (hopefully) grows, and I don't have to think about it. I found when I...
by englishgirl
Fri Jan 09, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 36
Views: 3184

Re: Discretionary retirement spending source

Not really answering the question you asked, but - if the IRA is a traditional IRA (as opposed to a Roth IRA), you may have Required Minimum Distributions (RMD's) from age 70.5. I'd look into those rules first - of course, if you don't need the money, you can withdraw from your IRA and put the money...
by englishgirl
Wed Jan 07, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discretionary retirement spending source
Replies: 3
Views: 589

Re: Employee w/ no company 401k and make too much. Any optio

It appears you can contribute $5,500 to tIRA and deduct it because you do not have a plan at work. This might be incorrect if your wife is currently covered by a plan at work. If I did do a tIRA it would hurt me from doing a backdoor in the future because of pro rata rule, correct? She is not cover...
by englishgirl
Wed Jan 07, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employee w/ no company 401k and make too much. Any options?
Replies: 19
Views: 1909

Re: Poll: Do you own I Bonds?

I own I bonds, but I don't count them as part of my portfolio but as part of my emergency fund. I have a bunch of 2002 and 2003 paper I bonds that would sustain me for up to 6 months if I was careful with my spending. It used to be 3 months, but I have gotten better at budgeting as the bonds have be...
by englishgirl
Wed Jan 07, 2015 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5590

Re: [Poll] Is your generation better off than parents' or ki

I would think boomers would feel better off than their parents, as their parents went through the great depression. And probably feel better off than their kids. Generation X types probably feel less well off than boomers, but better than millennials. The young folks don't have kids that are old eno...
by englishgirl
Mon Jan 05, 2015 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Is your generation better off than parents' or kids'
Replies: 16
Views: 1018

Re: Today is a Good Day to fund the 2015 IRA

Question: What happens if you fund your 2015 IRA on January 2, 2015 and you die on January 3, 2015 before you have any qualified income to fund a 2015 IRA? Of Goldrush's 16 posts, this is the second post in the second thread with the same bizarre question. (See: https://www.bogleheads.org/forum/vie...
by englishgirl
Sat Jan 03, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8250

Re: Do you usually order beverage at restaurants?

I find the tap water in most restaurants to be awful. I always order something else to drink. The tap water in restaurants is similar to the residential tap water in the area. If local tap water is good, the restaurants are filling your glass with it. If you dine in an area with bad water, I unders...
by englishgirl
Sat Jan 03, 2015 8:53 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7739

Re: Low income and investing

The IRA limit is based on taxable income, so if you managed to have no taxable income because it all went into a 401k, then I'd think that that would prevent you from contributing at all. Unless you have a spouse with earned income. Then you could fund as a "spousal IRA" based on your spou...
by englishgirl
Fri Jan 02, 2015 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low income and investing
Replies: 9
Views: 848

Re: Today is a Good Day to fund the 2015 IRA

Why not? Because we might not have the money lying around, that's why not.

Yes, I fully funded 2014, but my last contribution was 2 weeks ago. My first contribution for 2015 was today, as it happened to be a pay day, but I've got 24 more contributions to go. Still, $220 down... :beer
by englishgirl
Fri Jan 02, 2015 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8250

Re: buy I-Bonds now or wait until later in the year?

Here's the thing that's been concerning me: how much of a difference does anyone expect in the fixed portion come May? That is, if I buy this month, there's four months of interest versus the one purchased in May when I eventually part with it. How much larger would the fixed portion have to be for...
by englishgirl
Fri Jan 02, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: buy I-Bonds now or wait until later in the year?
Replies: 11
Views: 1814

Re: How Much Do You Sacrifice?

I don't think that one should get to the level of sacrifice just to save for retirement. If you lost your job, yes, sacrifices need to be made. But there is more to being frugal than just sacrificing. To me it is about choosing to spend your money wisely. I will give two examples from my own life: ...
by englishgirl
Mon Dec 29, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6674

Re: Engaged - marriage penalty & other practical concerns

I believe I would get a marriage "bonus" too. My income and my SO's income are fairly disparate - my income is quite a lot higher but he has better benefits at his job. So I would benefit by us being (jointly) in a lower tax bracket. He would lose access to some things like the saver's tax...
by englishgirl
Mon Dec 29, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 4019

Re: when do you start focusing on your retirement "number"

I do it all "wrong" in that I don't max out my 401k and never have. But I have estimated that if I totally stopped saving for retirement now (mid-late 40's), I have enough to hit my "number" at full retirement age, assuming about a 6% return. Plus I'll get social security on top...
by englishgirl
Mon Dec 29, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3557

Re: Poll: Total cost of 2-yr cell phone ownership?

I am about to finally give up my iPhone and switch to Republic Wireless. My boyfriend has been testing out their service, and it's been working really well. He paid $99 for his phone, and is on their $10 a month plan, which with tax works out at $12.something. I will probably go with a more expensiv...
by englishgirl
Mon Dec 29, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 3352

Re: Do any other men here regulalry use skin care products?

I'm a total skin care addict, but not male, obviously. Anyway, I wanted to say: good for you!

Cerave is an awesome, low cost, unisex brand.
by englishgirl
Mon Dec 29, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3717

Re: How Much Do You Sacrifice?

I don't think that one should get to the level of sacrifice just to save for retirement. If you lost your job, yes, sacrifices need to be made. But there is more to being frugal than just sacrificing. To me it is about choosing to spend your money wisely. I will give two examples from my own life: y...
by englishgirl
Mon Dec 29, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6674

Re: when do you start focusing on your retirement "number"

I do it all "wrong" in that I don't max out my 401k and never have. But I have estimated that if I totally stopped saving for retirement now (mid-late 40's), I have enough to hit my "number" at full retirement age, assuming about a 6% return. Plus I'll get social security on top....
by englishgirl
Sat Dec 27, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3557

Re: Where the self employed should open an HSA account?

I went with a local credit union. Strangely (to me), the credit unions seem to have high interest rates on HSA's. My account is getting 1.5%. There's no option to invest the money in the stock market but that's OK for me, as I view the HSA as an extension of my emergency fund, so I'm OK having it in...
by englishgirl
Tue Dec 23, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where the self employed should open an HSA account?
Replies: 7
Views: 893

Re: How do you factor entitlements into your investing plan?

I wish there wasn't this uncertainty over it. And it's not just political uncertainty or the solvency of the system, but also the uncertainty over what your future earnings will be, and hence how much your PIA could vary. And then uncertainty over whether you will be healthy enough to make delaying ...
by englishgirl
Thu Dec 18, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 5020

Re: Close to Roth IRA limit should I do Roth or Back door?

We are waiting until 2015 to make our 2014 Roth IRA contributions. We will not know our total income until after December 31, 2014. I do not see what your hurry is to make a Roth contribution in 2014 or even to try to do a traditional contribution in 2014. You have until April 2015 to figure this o...
by englishgirl
Wed Dec 17, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to Roth IRA limit should I do Roth or Back door?
Replies: 13
Views: 1556

Re: Inovative way to maximize company 401K match.

I would definitely not withdraw money from the IRA, especially if there's a chance that you could lose the match money if you lost your job before it vests. Then you'd have paid a penalty for withdrawing from the IRA for nothing. I would probably stop contributing to the educational IRA, at least fo...
by englishgirl
Mon Dec 15, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inovative way to maximize company 401K match.
Replies: 13
Views: 1812

Re: What are your 2015 Financial Goals?

Earn more money than I spend. Max out Roth IRA. Switch to a cheaper cell phone plan when my contract is up, cancel pest control service that I don't really need. Fix business issues. Go on a nice vacation to Hawaii. Put some money in an HSA. Max it if lucky. Put some money in I-bonds. Put some money...
by englishgirl
Mon Dec 15, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8473

Re: (Poll) Did you tap into emergency fund in the past 10 ye

This has been a hard year financially. Some months I haven't earned enough to cover the expenses. So, yes, I tap my emergency fund, as it's also my "slush fund" for money that I don't want sitting in my checking account earning a lower interest rate. I have also tapped it in the past for a...
by englishgirl
Fri Dec 12, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 5936
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