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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: 69
Views: 4293

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: 15
Views: 1113

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: 69
Views: 4370

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: 3893

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: 4
Views: 487

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: 2064

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: 209
Views: 8477

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: 7
Views: 621

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: 5357

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: 1503

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: 2262

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: 34
Views: 2230

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: 1958

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: 1255

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: 2179

Re: A story, and a feeling of financial under-accomplishment

Congratulations!! You are doing amazingly well! Don't compare yourself to Bogleheads. First, there are plenty of us out here that are not as well off as some other posters. We just don't always necessarily pop up on posts about reaching the two comma club, because we ain't there yet. Second, well, w...
by englishgirl
Fri Apr 11, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4179

Re: Passport validity: Do I need at least 6 months?

Depending on where you live, going to the Post Office could be a nightmare. I just got my first US passport, so I had to go in person. The Post Office is not the only place you can use. In the past I've used a County Clerk's office in a rural county. They had night hours once a week, with no appoin...
by englishgirl
Fri Apr 11, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: Passport validity: Do I need at least 6 months?

Hi Victoria, The post office that I use takes applications for passports. It may cost a bit more doing it through the post office, but at least you will know everything is done correctly. Why put off getting it done? Depending on where you live, going to the Post Office could be a nightmare. I just...
by englishgirl
Fri Apr 11, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: How to invest my "Emergency Fund"

Ah, we debate this endlessly. I have 3 months of full spending, or 4-5 months of belt-tightened spending, in an online savings account earning 0.75%. I do believe that your first line of savings should be readily available cash that's in an FDIC insured account. As my checking account is with the sa...
by englishgirl
Thu Apr 10, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 2003

Re: Car recommendations - Mazda6, accord, Prius

I've made long drives in my Prius (up to 12 hours in one go). No problems at all with comfort. Also, my experience is contrary to the previous poster's opinion that hybrids aren't good on long drives. I get better mpg in my Prius if I do some highway driving. It actually does very well going along a...
by englishgirl
Tue Apr 08, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1798

Re: Moving Advice: How do I make my move economical?

PODs? Their smallest container has interior dimensions of 6’6” x 6’ x 7’6”. You pack it, they drive it. They'll also store it - the last time I moved, I had the stuff stored for a week while I was closing on the house. It's probably more expensive than U-haul, but would free you up to just transport...
by englishgirl
Mon Apr 07, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Advice: How do I make my move economical?
Replies: 16
Views: 891

Re: How are you preparing for the coming bear market

My preparation, not that it is specifically for a bull or bear market, is that I've completed moving my US-based accounts over to balanced funds. My 401k is 100% Balanced Index, and my Roth IRA is 100% Lifestrategy Moderate Growth. [I'd have LS Moderate Growth in both accounts if only it was availab...
by englishgirl
Mon Apr 07, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7862

Re: Livescribe Smartpen - which model? For searchable noteta

It seems to me you could just take a photo of your handwritten notes, upload to evernote, and then tag the notes with some keywords that would be searchable. Without buying anything new.
by englishgirl
Mon Apr 07, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Livescribe Smartpen - which model? For searchable notetaking
Replies: 6
Views: 331

Re: Buying for someone who "has everything"

We agree not to swap gifts, and revel in the reduction of stress leading up to holidays.
by englishgirl
Fri Apr 04, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2308

Re: Vanguard Target Date funds - stair step vs slope

It is a slope. Well, it's a long plateau where they stay the same for a while followed by a slope, followed by another plateau at the end, but you are looking at 5- or 10-year separated funds. If you look next year, the percentages will change slightly. During the slope period, not all components mo...
by englishgirl
Fri Apr 04, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - stair step vs slope
Replies: 9
Views: 686

Re: Preventing Office Theft of Food and Other Stuff

For a while, a co-worker put a lock box in the refrigerator to protect his cream. Unfortunately, in a large office setting whatever is not locked up or locked down will eventually be stolen. 9 years at a large office. Been shifted between various buildings and various groups. I've had one soda go m...
by englishgirl
Thu Apr 03, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5218

Re: Poll: TIP or VTIP

I don't understand the question. What is TIP and what is VTIP? I did actually Google, VTIP is the short term TIPs ETF. So I guess TIP is not short term? Intermediate term? Sorry, you only get one Google search out of me per question. What about those of us that think ETFs are not the same as mutual ...
by englishgirl
Wed Apr 02, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: TIP or VTIP
Replies: 11
Views: 550

Re: Advice for the new immigrant

I think we've advised her before. I'd keep plugging away with the job applications. Maybe try a staffing agency like Manpower. Or Robert Half - I think they specialize in accountancy.
by englishgirl
Mon Mar 31, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for the new immigrant
Replies: 9
Views: 706

Re: Mr. Money Mustache: Hero or Foolish?

Yes, because now he has a different profession . Namely, running a blog. He even had a construction company which built at least two houses, and probably did some remodels for money as well :D Words have meaning, and perverting them makes it hard to communicate. I used to work in a minimum wage foo...
by englishgirl
Mon Mar 31, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 254
Views: 28402

Re: Mr. Money Mustache: Hero or Foolish?

I read his blog occasionally, but have never really delved into the forum. I think he's great for inspiration on frugal living, and on alternative lifestyles. I have gradually ratcheted up my frugalism over the years, and ratcheted down my lifestyle, but I'm still nowhere near where he is. I regard ...
by englishgirl
Mon Mar 31, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 254
Views: 28402

Re: Do you have hardwood or tile in your kitchen?

We have a premium textured vinyl tile called Permastone. It looks like ceramic tile, but is not has hard or as cold. It is durable and easy to maintain. It is now seven years old and still looks like new. When we have told some guests that it is not ceramic, they were amazed, and actually got down ...
by englishgirl
Sat Mar 29, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

Re: Frugal Fatigue

I have plenty of friends who eat out at fancy places, and have nice cars, and are actually deep in debt if you really find out about their finances. Do not try to copy the average person. However, do not deny yourself so much that you are miserable now. I think rice and beans are great, but not ever...
by englishgirl
Sat Mar 29, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9825

Re: How much should we put in our 2013 Roths?

You would qualify for a traditional tax-deductible IRA - have you run the numbers as to how contributions to a trad IRA would affect your return? I know, you can't withdraw contributions like a Roth, and you'd have RMD's at age 70.5, but when you're at low incomes and stretching every dollar, then I...
by englishgirl
Wed Mar 26, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much should we put in our 2013 Roths?
Replies: 15
Views: 1533

Re: Saving a % of income vs saving a $ amount?

Yeah, you are doing great, OP!! My income is variable, and is made up of a W2 job and a 1099 job. So what I do is make sure I max my Roth IRA first. That's a dollar amount. Then out of my W2 paycheck (the only place I have a 401k), I put away 10% of that income. I'm sure many people would say it sho...
by englishgirl
Wed Mar 26, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving a % of income vs saving a $ amount?
Replies: 23
Views: 3031

Re: Creating a "secondary" retirement account

Are you working? Do you have access to a 401k? Or other employment based plan like a SIMPLE IRA? Have you looked whether you qualify for a traditional tax-deductible IRA? That is based on your AGI, and also if you are working but don't have access to an employment-based retirement plan, the income l...
by englishgirl
Mon Mar 24, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating a "secondary" retirement account
Replies: 18
Views: 1615

Re: $3000 to invest for 3 years

Seriously, if we're in a life is depending on it situation, the money needs to be in cash. I had my college tuition money sitting in the markets because I wanted it to grow. Know when I started my graduate program? January 2009. Yup. That money dropped by over 50% (ish - it's hard to remember now). ...
by englishgirl
Mon Mar 24, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: $3000 to invest for 3 years
Replies: 18
Views: 1216

Re: Annuity purchase.

Sarah wrote: ". . even if I do get married at some point." I envy the lucky guy. (Sarah is a pillar in the S.E. Florida Boglehead Chapter so I know Sarah well.) Best wishes. Taylor Thank you Taylor. You are ever the gentleman! Oh, and I wouldn't buy the first SPIA until I took SS. Probabl...
by englishgirl
Fri Mar 21, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing/retirement planning for singles
Replies: 4
Views: 399

Re: Investing/retirement planning for singles

One of the reasons I'm very interested in an SPIA is because I'll have no children to leave money to, even if I do get married at some point. I think with no spouse or heirs, there is no worry about portfolio longevity after the end of your own life (or, in the case of a spouse but no kids, after th...
by englishgirl
Fri Mar 21, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing/retirement planning for singles
Replies: 4
Views: 399

Re: Prius performance in extremely hot climates

I keep my Prius in Eco mode all the time (of course!). While I don't live in the desert, I live in South Florida and don't own a garage, so the car can get pretty hot. The Prius does not run the A/C full blast right from the get-go. It will run somewhat of a fan and cooling, but my belief is that it...
by englishgirl
Fri Mar 21, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 1014

Re: Thoughts On Pre-Paid College Plans

The Florida prepaid plan used to be a screaming good deal. Then in 2009 they changed the law which had limited the amount that tuition could rise by, and the prepaid prices rose a lot in response and they're not such a deal at all any more. Which meant that fewer and fewer are being sold. Which mean...
by englishgirl
Fri Mar 21, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Pre-Paid College Plans
Replies: 28
Views: 1929

Re: Detached Townhome vs. Single Family Home Costs

You can still hear noise from neighbors even if you are unattached. I'd be much more tempted by the attached, end-unit townhome, because of the lower cost. My boyfriend has an end-unit townhome, and honestly the unattached neighbors who are separated by maybe 20-30 ft of grass and some landscaping c...
by englishgirl
Fri Mar 21, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 15
Views: 1418

Re: Buying new phone outright vs 2 yr contract + ETF

You asked why would ANYONE buy a phone at full price vs. the Verizon plan, and have then shot down everyone that has tried to answer that question, with information as to why YOU PERSONALLY wouldn't do that because you need Verizon based on your location and needs. But your question didn't ask about...
by englishgirl
Fri Mar 21, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Dealer Margin on Trade Ins vs New

Does it matter what margin the dealer makes? And how do we "allow" a dealer to make only a certain margin? If you want the most money for your car, sell it privately. If you don't want the hassle of doing that, sell it to the dealer or to an outfit like CarMax, knowing that you'll get less...
by englishgirl
Wed Mar 19, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Dealer Margin on Trade Ins vs New
Replies: 15
Views: 690

Re: ANY secure Internet access while traveling?

I think RM is trying to run a business by the internet and not just do personal banking. RM is responsible to his/her customers who might be sending credit card info to them and other information. I perceive that RM is not as worried about their bank account getting hacked as they are about having ...
by englishgirl
Tue Mar 18, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3360

Re: ANY secure Internet access while traveling?

Why not use the app for the bank you use on your phone? I have access to my biz bank accounts on my app, including transfers, bill pay, and check deposit. I send checks using bill pay. I mean, if we're talking using the phone as the hotspot, why not use the phone directly. Perhaps I'm missing someth...
by englishgirl
Tue Mar 18, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: ANY secure Internet access while traveling?
Replies: 54
Views: 3360

Re: Should I Switch Companies?

Can't your wife transfer to a school in DC? That would be the preferable course of action to me - take the new job, and move together as a family.
by englishgirl
Tue Mar 18, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Switch Companies?
Replies: 21
Views: 1297

Re: Sponsoring older parents for immigration to U.S...

1. As far as I know, your age doesn't matter for qualifying for social security. Thus, I would think that working from age 60-70 would qualify you to be able to take benefits at 70. [But this is partly a guess on my part, so don't rely on it.] 2. It is very difficult to find private health insurance...
by englishgirl
Mon Mar 17, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Sponsoring older parents for immigration to U.S...
Replies: 9
Views: 1047

Re: Rail Cruise

I suspect it's not good for your health being in a reclining chair for that long. A guess, if you have heart or stroke issues (Leyden Factor 5) it could cause you serious problems. When we're young, we just do these things. Yes, I would not do it now, as I would only go if a bed was available. But ...
by englishgirl
Fri Mar 14, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Rail Cruise
Replies: 16
Views: 1532

Re: Rail Cruise

I've never heard the term rail cruise before. But I did a round-the-world rail trip (broken up with flights, not cruise ships). I did the trans-Canadian, the Coast Starlight, the Trans-Australian, and the Trans-Siberian, as well as a few more minor train journeys in between. There will be boredom, t...
by englishgirl
Thu Mar 13, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Rail Cruise
Replies: 16
Views: 1532
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