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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: 6368

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: 6368

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: 6368

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: 5086

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: 1077

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: 5732

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: 3752

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: 4192

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: 4192

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: 6045

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: 1518

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: 1518

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: 476

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: 2166

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: 8856

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: 1732

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: 7407

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: 2282

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: 1295

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: 2689

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: 4224

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: 8287

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: 8287

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: 1874

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: 1748

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: 2079

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: 1124

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: 675

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: 3415

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: 4229

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: 286

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: 5412

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: 2693

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: 27956

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: 26952

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: 19321

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: 1972

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: 31575

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: 5285

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: 2477

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: 2408

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: 16472

Re: Non-tabletop fountain in home office = need dehumidifer?

Personally, I'd stick with a small tabletop fountain and add a white noise maker if it wasn't loud enough. But anyway, on the cat issue - one of my cats is a cable nibbler. And a hair-tie eater. And a shoelace gnawer. Anyway, once she's broken through the plastic coating of the cable, she becomes co...
by englishgirl
Fri Apr 18, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Non-tabletop fountain in home office = need dehumidifer?
Replies: 11
Views: 1155

Re: *poor* Bogleheads

Wait, what, I'm poor now because I earn less than 6 figures? Far from it. I've had a 6-figure income at a couple points, and am much happier now I'm not getting my soul sucked away from me in that job any more. Look, I save $25 a month into I-bonds. I didn't bother putting anything in I-bonds when t...
by englishgirl
Fri Apr 18, 2014 9:15 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 13211

Re: Looking for Low-Cost Eyeglass Shop I can visit

I went to Costco a couple of months ago. I've been very happy with the pair that I bought. I got every single lens upgrade you can think of, and they're performing just fine. With the $100 eye exam, they ended up being over $300, but that's still $200-$250 less than the last pair I got at LensCrafte...
by englishgirl
Wed Apr 16, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 2084

Re: Wasting money on rent or buy in California

You don't have to stay there for a year or two. What about planning to stay for 3 months so you can get your bearings and look for a house to buy? If everyone knows that it is temporary, then they'll be able to deal with it better, even if the time actually stretches out longer than 3 months. I'm su...
by englishgirl
Mon Apr 14, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2532

Re: Alternative to a car

Without a car, you just have to get over the concept of shopping for a week or two in one go. And go more often while picking up less each time. Actually, even though I have a car, I generally hate grocery shopping so I rarely do a big shop anyway unless it's my every-2-months Costco trip. I will ju...
by englishgirl
Mon Apr 14, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 36
Views: 3320

Re: Does Mint.com randomly access your account?

The question was about "randomly." There is a difference between "access my accounts when I request you access my accounts" and "access my accounts whenever you d*** well feel about it, my feelings not withstanding." I use Quicken. I tell Quicken when I want it to acce...
by englishgirl
Mon Apr 14, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 2192

Re: Traveling by train in the UK for the firs time, help!

I would definitely take the train. And I'd pick a time you want to travel and reserve seats. You don't want to be standing all the way from London to Edinburgh. If you think you'll be OK traveling at off peak times, not reserving a seat may not be so bad. But I bet you the 6:30pm train to Edinburgh ...
by englishgirl
Sun Apr 13, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1639

Re: Wife to work as a Contractor - Advice needed

Yes, for a contractor that rate is low. It really grinds my gears that companies can get away with this - make you work a 40 hour week and treat you like an employee, and yet, give you no benefits and make you responsible for ALL of your own taxes. Ugh. Sorry, that was not constructive. And what is ...
by englishgirl
Fri Apr 11, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife to work as a Contractor - Advice needed
Replies: 30
Views: 2435
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