Search found 2252 matches

by englishgirl
Sat Aug 29, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3111

Re: Paying for a big ticket item on retirement?

Also, my impression is that certain long lasting travel trailer brands, Casita and Airstream in particular, do NOT drop in price like a rock after initial purchase... I suppose it depends on your definition of "drop like a rock". They do still drop, maybe not to half off, but by a substan...
by englishgirl
Sat Aug 29, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3467

Re: Costco American Express Card [going away]

QUESTION FOR COSTCO MEMBERS: Will I be able to use AMEX Blue Cash Rewards Card now to make purchases in Costco stores ? Thank you! Up to now, you have been able to use any Amex cards to make purchases in Costco stores. But once the Amex deal stops on April 1, then you won't. The only credit card yo...
by englishgirl
Fri Aug 28, 2015 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3111

Re: Paying for a big ticket item on retirement?

Thanks everyone. Hmm, I have never looked into a 401k loan, but as I don't want to have to pay it back before leaving the company, it seems that an RV loan or a HELOC makes more sense. If I can spread the withdrawals/loan payments over 2-3 years to avoid bumping out of the 15% tax bracket, then tha...
by englishgirl
Fri Aug 28, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3467

Re: Costco American Express Card [going away]

I got an offer for a new business Amex card which had some pretty nice benefits. I assume that Amex is doing all it can to retain its Amex cardholders, which is why they sent the offer. So I applied, and have switched most of my spending to the new card. I did get a lower credit limit than I would h...
by englishgirl
Thu Aug 27, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3111

Re: Paying for a big ticket item on retirement?

Thanks all - great info. English. Do you have pets that you want to take traveling with you? I did for years and tried the RV thing for a while. We found it too expensive and limiting. We had to "camp out in the boonies". That was a real problem for us. We wanted to stay and visit city cen...
by englishgirl
Wed Aug 26, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5097

Re: Floss aversion

I flossed, ahem, "irregularly" until I switched from floss to individual flossers. Kinda embarrassing to admit that such a gimmicky (and more expensive) little tool did the trick for me, but it absolutely did. Now I keep one in my shirt pocket, and I floss all the damn time. (I asked my d...
by englishgirl
Wed Aug 26, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3111

Re: Paying for a big ticket item on retirement?

You could rent a trailer or RV. We plan to do some renting for shorter trips in the next few years prior to retirement, to make sure that we enjoy what we think we will enjoy. We've already done several road trips but those involved just a car and staying in hotels. But want to be able to spend mul...
by englishgirl
Wed Aug 26, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3111

Re: Paying for a big ticket item on retirement?

Thanks everyone. Hmm, I have never looked into a 401k loan, but as I don't want to have to pay it back before leaving the company, it seems that an RV loan or a HELOC makes more sense. If I can spread the withdrawals/loan payments over 2-3 years to avoid bumping out of the 15% tax bracket, then that...
by englishgirl
Wed Aug 26, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a big ticket item on retirement?
Replies: 22
Views: 3111

Paying for a big ticket item on retirement?

Hi all, the current version of my retirement dream involves buying a (second hand) travel trailer and setting off to do some traveling. My question is: where does one plan to draw that money from? If I take it in one lump sum from my 401k/trad IRA, that could easily push me into a higher tax bracket...
by englishgirl
Mon Aug 24, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 194
Views: 21267

Re: The Bogleheads' Silent Majority

Even those of us who occasionally say things aren't necessarily doing anything. Today or on any other day...I might tinker with my portfolio once every few years but mostly it's on autopilot. Hopefully when I get paid on Friday I'll get to buy some stocks cheap. And hopefully when I want to retire i...
by englishgirl
Mon Aug 17, 2015 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced or LifeStrategy Moderate?
Replies: 17
Views: 2070

Re: Vanguard Balanced or LifeStrategy Moderate?

I actually hold both of these. Balanced in my 401k, and LifeStrategy Moderate in my IRA. [I do this because my 401k selections are limited.] Yes, recently, LS Moderate has performed worse, because the international stock component has not been performing well. In other time periods when internationa...
by englishgirl
Thu Aug 13, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: Has car buying improved in South Florida improved since 2002?
Replies: 24
Views: 2101

Re: Has car buying improved in South Florida improved since 2002?

I bought my last car in 2009 so things may have changed since then. But some dealers were nice and laid back and some were nightmares. I still get emails and postcards from one awful dealer (and yes, I asked them to take me off their mailing list). These days I use the arrival of something from them...
by englishgirl
Tue Aug 04, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 1735

Re: Spousal Benefits - so confusing

While he's basically stuck, as already outlined, he could choose to suspend his benefit now if he doesn't need the money. He would then receive some delayed retirement credits for the months that he does not collect a benefit. Do we know how old the husband is? Not sure but can he suspend benefits ...
by englishgirl
Mon Aug 03, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Benefits - so confusing
Replies: 17
Views: 1735

Re: Spousal Benefits - so confusing

While he's basically stuck, as already outlined, he could choose to suspend his benefit now if he doesn't need the money. He would then receive some delayed retirement credits for the months that he does not collect a benefit.
by englishgirl
Fri Jul 31, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2354

Re: Amazon reviews

It's not just book reviews. Skin care reviews are terrible, and I assume many other sectors too - companies give away free or heavily discounted products in exchange for providing a review. Naturally people feel somewhat obliged to be nice. I've also bought products and then had emails from the sell...
by englishgirl
Thu Jul 30, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3786

Re: Retirees: Social Security and Expenses

I wonder if a better question would be *could* you live on your actual SS benefit alone? Initially I was interested in the responses, hoping it would yield some useful information for planning purposes. And then of course it veered off into a discussion of income. Anyway, right now, I think I could ...
by englishgirl
Mon Jul 27, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: The forgotten inaccuracies of our small predictions
Replies: 18
Views: 1975

Re: The forgotten inaccuracies of our small predictions

The same thing happens to me with books. I read the book, and form a mental image of the characters and the settings. Of course, if this is a series of books, my mental image gets stronger and stronger with each book. And then the movie or TV series comes out and I'm completely disgruntled that MY m...
by englishgirl
Wed Jul 22, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4314

Re: What are your financial goals?

Pay off house, and save/grow investments to a million bucks, then retire. It used to be to save $1.5M and then retire, but I've been cutting my spending so now I realize that I need less. Edit: oh, you asked how we plan to meet those goals. Keep earning money, live below my means, keep on saving, in...
by englishgirl
Wed Jul 22, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 11201

Re: How do people afford children with a SAHS?

I think part of the problem with this thread is that the OP has asked how it is possible to have a SAHS on one income, and then has shot down every single suggestion for saving money. Or at least, that's what it seems like. Even cell phones - OP could switch to Cricket, which is owned by AT&T, a...
by englishgirl
Tue Jul 21, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6408

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Nobody has suggested moving downtown in city B? Then OP gets to keep his job, and maybe wife is happier. Isn't part of OP's spouse's dissatisfaction that they now live in the exurbs whereas they used to live downtown in city A? That would be a major lifestyle downer for me. I think we just don't hav...
by englishgirl
Fri Jul 17, 2015 11:09 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 14612

Re: English Girl

Taylor Larimore wrote:Sarah:

You were a stalwart at our previous meetings and you will be greatly missed.

We hope to see you at our subsequent meetings.

Thank you for all you've done! It is not forgotten.

Best wishes.
Taylor


Thanks Taylor!
by englishgirl
Fri Jul 17, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5937

Re: Does Anyone Plan to Work Past 70 years of Age

I think I would like to do some part-time seasonal work in my 70's. I live somewhere very seasonal, so it'd be nice to bug out of town with the crowds and go and travel every summer, and then be back in town to do a spot of work over the winter while there's lots of people wanting services and with...
by englishgirl
Fri Jul 17, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: HSA's and Emergency Funds
Replies: 8
Views: 863

Re: HSA's and Emergency Funds

No, but that's because it seemed to me that compared to other Bogleheads, I had a small emergency fund. Plus, I dropped my hours at job #1 so that I no longer qualify for benefits and decided that I couldn't afford both health insurance and disability insurance. The individual health insurance plan ...
by englishgirl
Thu Jul 16, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5937

Re: Does Anyone Plan to Work Past 70 years of Age

I think I would like to do some part-time seasonal work in my 70's. I live somewhere very seasonal, so it'd be nice to bug out of town with the crowds and go and travel every summer, and then be back in town to do a spot of work over the winter while there's lots of people wanting services and with ...
by englishgirl
Wed Jul 15, 2015 3:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 14612

Re: South Florida Local Chapter

I'll be busy at a day-long seminar that day, but I hope you all have a fun and enjoyable meeting!
by englishgirl
Wed Jul 15, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5298

Re: VRBO illegal rental [Vacation Rentals by Owner]

I actually reported the people that own the property next to mine for operating a vacation rental property while claiming the property as a homestead to get a deal on the property taxes. The only thing that seemed to happen was that a while later they deeded the property to some cousins who are appa...
by englishgirl
Tue Jul 14, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 8028

Re: Are you going to shop on Prime Day?

Here's a preview of some of the deals that will be available: http://phx.corporate-ir.net/phoenix.zht ... ID=2067573

Yasss! $30 off a Kindle, which is exactly what I wanted. Now, if only I can snap one up at the right time...
by englishgirl
Tue Jul 14, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 4085

Re: I-Savings Bonds

I started buying a VERY small amount every month the last time the fixed rate went above 0%, and have just kept on even though the fixed rate went back down. I'm currently at $40 a month, I think. I've been bumping the monthly amount by $5 every six months. I set up an auto-purchase for 6 months, an...
by englishgirl
Tue Jul 14, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 8028

Re: Are you going to shop on Prime Day?

My strategy: I joined Prime yesterday for the 30-day free trial membership. Going to cancel when it is up, but in the meantime I aim to take advantage of all the videos, free kindle books and songs I possibly can. I will definitely be playing a song tomorrow, as that enters you into a drawing for Am...
by englishgirl
Tue Jul 14, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4329

Re: Cost of Routine Dental Cleanings

I just paid $130 for a cleaning. In six months' time they want me to do x-rays as well - I usually try to worm out of doing x-rays quite as often as they say, although I do do them fairly regularly. I don't remember exactly what it is with x-rays. $190 or $200 seems about what I paid last time I did...
by englishgirl
Wed Jul 08, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help for a Stagnated Portfolio
Replies: 6
Views: 775

Re: Investment Help for a Stagnated Portfolio

If you're lazy, why not put the money in your IRA and 401k into Target Date or Lifestyle funds and be done with it?
by englishgirl
Wed Jul 08, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Where to "park" scattered HSA monies
Replies: 5
Views: 493

Re: Where to "park" scattered HSA monies

As already mentioned, if you're looking for a cheap place to park your money, look at Credit Unions. Mine is in cash at a local credit union yielding 1.5% with no fees. Unfortunately, it's not available nationally (but you may have a similar deal near you), and there's no investment opportunities. I...
by englishgirl
Thu Jun 25, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?
Replies: 36
Views: 3749

Re: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?

This is truly looking at apples and oranges. I would be looking for a middle ground - a true one bedroom (no den) that is about $1500 and as close to your ideal neighborhood as you can.
by englishgirl
Thu Jun 25, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How to set up an automatic investment without being able to cancel easily
Replies: 11
Views: 1226

Re: How to set up an automatic investment without being able to cancel easily

I would think that making the investments less painful would mean less incentive/need to have to reach for the cookie jar at all. As already mentioned, put aside enough in your emergency fund/slush fund to cover higher expense months. Then for investing, start with a small amount. Something you thin...
by englishgirl
Thu Jun 18, 2015 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 14612

Re: New South Florida Local Chapter

I could potentially attend a meeting, although I am not sure, but don't think I can help with organizing this time around. Time seems to be perpetually crunched lately. I know clevername has been very busy too.
by englishgirl
Mon Jun 15, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5953

Re: Coffee - just starting out

mlipps wrote:Agree with the suggestions that an Aeropress is a great way to make something very similar to an espresso at home.


Yup, me too. I use my Aeropress regularly. Very easy to use, and makes decent espresso-like coffee.
by englishgirl
Mon Jun 15, 2015 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: planning for my widow: SS and my early death
Replies: 13
Views: 2854

Re: planning for my widow: SS and my early death

Could she go (back) to work, and has she ever worked? Is she disabled? If she is disabled, she could claim survivor benefits at age 50, I believe. Retirement benefits on her own record are payable after 10 years of work, so if she has some years of work in the bag already, she could top up to 10 yea...
by englishgirl
Mon Jun 15, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 3265

Re: Which is a best place to start learning yoga?

I have done yoga on and off for 20 years. I was extremely lucky that my first yoga teacher was excellent and made me enjoy and want to do yoga, but then after I moved, I was lost in the wilderness for many years so for 15 years of that 20 my practice was mostly "off". I tried gym classes, ...
by englishgirl
Wed Jun 10, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursements - to take now or wait?
Replies: 13
Views: 1366

Re: HSA reimbursements - to take now or wait?

For small amounts, I pay out of pocket, and leave my HSA to grow. I will use the HSA for large amounts, though. My HDHP has a $6300 deductible, so it would be a financial hardship to pay that all in one go out of any other account if I ended up having to go to the ER or something like that. It all d...
by englishgirl
Mon Jun 08, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 7021

Re: What Percent Of Your Annual Expenses Are Property Taxes?

About 8.5%.

At some point I hope to move to a cheaper home with lower tax. It feels too high to be spending that much of my expenses just for property tax.
by englishgirl
Tue Jun 02, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3569

Re: No-line bifocals from Costco

I have a pair, but they're my first ever bifocals (sob...getting old) so I don't have previous pairs to compare to. I found them easy to adjust to, however, and no problems so far (had them about 2 years now, I think).
by englishgirl
Mon Jun 01, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: How to furnish a new residence, completely from scratch
Replies: 35
Views: 3303

Re: How to furnish a new residence, completely from scratch

We really appreciate all of the helpful suggestions. Some of you are focusing a bit too much on price. ...snip... So again, our goal isn't to minimize spending. It's to buy good quality furniture and get set up as quickly as possible. Does that mean IKEA is out? That's a sincere question. Is even t...
by englishgirl
Mon Jun 01, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: How to furnish a new residence, completely from scratch
Replies: 35
Views: 3303

Re: How to furnish a new residence, completely from scratch

I know someone that furnished her entire apartment from Goodwill and it looks amazing. She repainted every wooden surface that didn't look good in white paint (wood that was still good was left whatever color it was already stained), and re-covered the sofa and chair cushions with white fabric. Even...
by englishgirl
Mon Jun 01, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6950

Re: Which grocery stores do you shop at and why?

Winn Dixie - because it's two blocks from my house, and they have been upping their organic/natural game lately. Aldi - for the prices, and pretty good organic selection. Publix - it's not too far out of my way and sometimes I get bored of the Winn Dixie selection. Whole Foods - occasionally, to sto...
by englishgirl
Thu May 28, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone changed careers after building required nest egg?
Replies: 13
Views: 2519

Re: Anyone changed careers after building required nest egg?

I have been trying to do this. But a) my new career/business is getting off the ground very slowly and I had a major setback getting away from a biz partner who was a bad fit, so had to basically start again with nothing and am still not earning enough from it to support myself, and b) I am still no...
by englishgirl
Thu May 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 6048

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: 55
Views: 6048

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: 1423

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: 801

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: 1706

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...

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