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by englishgirl
Thu May 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 3971

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: 52
Views: 3971

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: 1233

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: 549

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: 1497

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: 9145

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: 3964

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: 1956

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: 6641

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: 411

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: 1575

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: 2411

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: 2869

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: 26
Views: 4692

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: 2
Views: 233

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: 1460

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: 549

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: ...
by englishgirl
Thu Apr 16, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1361

Re: Can I open solo 401K on 2500$ self employed income

Open the solo 401K at Fidelity, not Vanguard. Fidelity accepts incoming rollovers, Vanguard does not. I know from personal experience. Just crashing someone else's thread - does Vanguard not accept ANY rollovers? Or do they just not accept IRAs? In other words, could I roll over an old employer's 4...
by englishgirl
Thu Apr 16, 2015 2:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5313

Re: Favorite Boglehead Avatar?

Haha. I love that cartoon, bertilak! You know, I felt a teensy bit bad in my earlier post saying that I was fond of Miffy as a child. That implies that I grew out of my fondness as I put away childish things. Truth be told, I was mostly fond of Miffy as a teenager and young adult. And am now also fo...
by englishgirl
Thu Apr 16, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4156

Re: Inexpensive Smartphone

I switched from AT&T to Cricket and have noticed NO difference in service. In fact, I get more data and minutes for way less money. Win-win. I was going to go with a cheap phone from Republic Wireless or something, but given that my iPhone 5 was still working perfectly, it made more sense not to...
by englishgirl
Thu Apr 16, 2015 6:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5313

Re: Favorite Boglehead Avatar?

kenschmidt wrote:I like EnglishGirl's blue and white bunny


Aww, thank you! It is MIffy, who I was very fond of as a child. http://en.wikipedia.org/wiki/Miffy

Edit: to actually answer the question, I like zaboomafarg's and noobvestor's avatars. And many others!
by englishgirl
Wed Apr 08, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Should We Start Taking Social Security Out?
Replies: 10
Views: 1013

Re: Should We Start Taking Social Security Out?

You are at full retirement age, but you could get a bigger benefit check if you wait until the maximum age of 70. Because your wife is under 66/full retirement age, any benefits she takes now would be reduced in amount because she'd be claiming early. If you can wait, you would get the maximum benef...
by englishgirl
Mon Apr 06, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for career change and big drop in income
Replies: 14
Views: 2277

Re: Planning for career change and big drop in income

I've dropped my income several times over the past few years trying to do something similar (although I am changing careers). Each time I thought I couldn't possibly reduce expenses, and you know what, I did it. Now I can't even remember what on earth I used to spend money on. I suggest signing up f...
by englishgirl
Mon Mar 30, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Improving English Language Proficiency- Please suggest Books
Replies: 51
Views: 3675

Re: Improving English Language Proficiency- Please suggest B

I know you asked for books, and this is not a recommendation for a book at all. But do you have a native English speaker that you speak with on a regular basis that you could ask to correct you? My boyfriend is not a native English speaker and was perfectly understandable/fluent when I met him. Exce...
by englishgirl
Sun Mar 29, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 7092

Re: Implications of Marriage - she with debt and low income

Good luck BanditKing! I have nothing useful to add, just that I'm in a somewhat similar situation and I've never had great advice on here when posing questions such as yours. People get hung up on pre-nups. I do think there IS still benefit for marriage (but hey, I'm the girl, so maybe I'm hard wire...
by englishgirl
Fri Mar 13, 2015 8:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1503

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
Thu Mar 12, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6446

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
Wed Mar 11, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1654

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
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: 4465

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

Value = 50% of net worth
Equity = 33% of net worth
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: 604

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
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: 583

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
Sun Mar 01, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 2740

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 Feb 22, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 9460

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
Thu Feb 19, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: New laptop v. Refurbished, Apple v. Other
Replies: 14
Views: 1503

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
Wed Feb 18, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 16096

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
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: 8835

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
Wed Feb 11, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 5067

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
Fri Feb 06, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 51
Views: 4540

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
Thu Feb 05, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Florida Real Estate - Homes for < $200k
Replies: 5
Views: 1178

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
Wed Feb 04, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6205

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 1:32 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6205

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
Tue Feb 03, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5761

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
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: 402

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
Wed Jan 28, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 3094

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 11:53 am
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 3059

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
Mon Jan 26, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3830

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
Tue Jan 20, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 13
Views: 2197

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 1:33 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5790

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 11:38 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5790

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
Sun Jan 18, 2015 10:47 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5790

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 ...

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