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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: 2655

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: 21
Views: 1326

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: 49
Views: 3141

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: 2118

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: 5480

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: 5480

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: 5480

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: 3134

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: 3075

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: 583

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: 1892

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: 5457

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: 986

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: 8118

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: 7634

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: 834

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: 8118

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: 1699

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: 6597

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: 3874

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: 3372

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: 3166

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: 3517

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: 6597

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: 3372

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: 785

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: 4841

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: 12
Views: 1298

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: 1780

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: 8243

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: 5768

Re: How do you contribute to your IRA?

I do not have that sort of extra cash lying around. As I get paid every 2 weeks, I contribute on payday. With that pay schedule there are 26 paydays in a year, but it is much easier to divide $5500 by 25 than 26, so I have set up my automatic payments to skip one paycheck, and contribute $220 x 25. ...
by englishgirl
Thu Dec 11, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1712

Re: I need to accumulate $30k over the next 2 years, how?

Check out sites such as Mr Money Mustache for cutting your expenses. If you cut your expenses as much as possible, that will enable you to save more per month. Don't take risk with this money. I had money saved for grad school in the stock market because I wanted to get a higher return. And know whe...
by englishgirl
Tue Dec 09, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4112

Re: Am I being cheap? [wedding/engagement ring]

Gemvara has a nice selection of gemstone rings that are quite affordably priced. Although my bf doesn't want to get anything other than plain gold bands, I find that I would like a sparkly ring to wear every now and again. Yes, yes, it's probably all just giving in to societal pressure but I do thin...
by englishgirl
Sun Dec 07, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9211

Re: Poll: Do you ask questions at company 401(k) meetings?

There are meetings? Like, on the regular? I just went to a meeting, because my employer is introducing some major changes so they rolled out a guy to come and explain them. But it's not a regular occurrence. I didn't ask any questions because I couldn't be bothered. Actually, the changes to the plan...
by englishgirl
Fri Dec 05, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you ask questions at company 401(k) meetings?
Replies: 25
Views: 1792

Re: No 401(k) options

If you have no retirement plan at work, there are no income limits for tax deduction of IRA contributions (as mentioned by retiredjg) only if you are single or MFJ with a spouse who does not have a plan at their work . If you are married with a spouse who does have a retirement plan at their work, s...
by englishgirl
Mon Dec 01, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: No 401(k) options
Replies: 5
Views: 601

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

There's a lot of verbiage about YOU taking action on behalf of your boyfriend around finances, career, etc. Nothing at all to indicate he wants to do this. The reality is - if he was truly motivated to take action - he would be posting here asking questions and putting forth the effort. Really - th...
by englishgirl
Thu Oct 09, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

As a group , immigrants who do not speak English well do not have better opportunities in the workplace, whether they are male or female. Also there is a societal expectation, among such immigrants, that you have to take whatever job you can and just work hard, and that you'll never earn that much....
by englishgirl
Thu Oct 09, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Are you planning on mingling your money with his when you marry? It sounds like where this is really where all of this is heading. It sounds like you with your last post that you are going to get offended if someone suggests a pre-nuptial. A pre-nuptial is very much on the table, so no, I wouldn't ...
by englishgirl
Thu Oct 09, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Hi Sarah, Like others, I am concerned about you sacrificing your financial independence for a man who has not developed his. Love is irrational. Intellectually, we know what's prudent and what's not, we clearly see when others make mistakes, and yet, when we are in love we make every mistake in the...
by englishgirl
Thu Oct 09, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Forget about bulldozing in the $1000 minimum at Vanguard. Consider testing the water with a gentle ripple. Why not suggest starting out with a nice safe Roth IRA money market fund or CD at a (not the investment branch) local bank? And remember the song, "if you love someone, set them free.&quo...
by englishgirl
Wed Oct 08, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Maybe he can focus on increasing income or a side job? Why is the 401k so low with a free employer match? Low income, plus lack of personal contributions, plus I think they introduced the 3% match irrespective of employee contributions relatively recently. Increasing income is something he should a...
by englishgirl
Wed Oct 08, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

He could open an IRA at a bank, probably for $50. He could then add to that as he is able. Once he gets to $1000, he could transfer it to Vanguard. There would not be much if any return at a bank, and you need to look out for fees. However, for such small amounts, contributions are much more import...
by englishgirl
Wed Oct 08, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Just wanted to add that if he is considering opening an IRA, Schwab allows this for minimum $100/month, and I think the fees are comparable to Vanguard. I have never used Schwab but it is my understanding that they have the lowest minimum for starting an IRA. Of course, it's his choice whether to s...
by englishgirl
Wed Oct 08, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Oh my gosh, I had totally forgotten about using a Roth IRA as an emergency fund. Once he's up to $1000 in cash with the emergency fund savings, he can move it over to a Roth. That's a great idea. Don't lock up all of his cash, leave some for his wallet. Well, he can withdraw contributions. If I con...
by englishgirl
Wed Oct 08, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

I strongly recommend that Englishgirl continue to save money in her own INDIVIDUAL account. If the boyfriend becomes a husband, then and only then should her funds become commingled. She can save money in her own savings fund with hopes that it becomes usable for joint financial planning and paying...
by englishgirl
Wed Oct 08, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Money is fungible. He should consider all money as one big pot to be used for eventual retirement down the road. It's likely that Social Security at full retirement age will replace about 40% of his final salary. If he can save enough to make up the remaining 20%, he'll be in decent shape. I'm with...
by englishgirl
Wed Oct 08, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

Oh my gosh, I had totally forgotten about using a Roth IRA as an emergency fund. Once he's up to $1000 in cash with the emergency fund savings, he can move it over to a Roth. That's a great idea.
by englishgirl
Wed Oct 08, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869

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

I strongly recommend that Englishgirl continue to save money in her own INDIVIDUAL account. If the boyfriend becomes a husband, then and only then should her funds become commingled. She can save money in her own savings fund with hopes that it becomes usable for joint financial planning and paying...
by englishgirl
Wed Oct 08, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2869
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