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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: 4
Views: 360

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: 5178

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: 1405

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: 2228

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: 2176

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: 1939

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: 1160

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: 2059

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: 4152

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: 1538

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: 1538

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: 1979

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: 1742

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: 876

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: 7790

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: 327

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: 2292

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: 682

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: 5054

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: 545

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: 701

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: 225
Views: 23949

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: 225
Views: 23949

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: 3112

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: 9771

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: 1527

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: 3025

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: 1611

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: 1211

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: 1012

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: 1409

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: 1843

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: 689

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: 3345

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: 3345

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: 1029

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: 1529

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: 1529

Re: How did you decide how much to save?

I didn't really decide. I have always started with a small amount per month or per paycheck, and just kept bumping it up to whatever is tolerable. And then seeing if I can bump it past the tolerable level. And then when that gets tolerable, rinsing and repeating. I generally don't feel TOO deprived,...
by englishgirl
Thu Mar 13, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9173

Re: House too small; what to do?

I would find a way to put a bedroom and bathroom in the basement. It may involve moving the furnace and/or washer + dryer. Even if it's a relatively small bedroom, if it has a full bathroom, it will relieve the pressure on the rest of the house. Then four of the kids are two to a room, and whoever i...
by englishgirl
Tue Mar 11, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3062

Re: How did you get through the market crash in 08-09

I did nothing. BUT I was worried. And probably should have been doing something like rebalancing. I may or may not have rebalanced once, early on, and then stopped. I can't remember exactly. I didn't sell, and I stayed the course with respect to the money I invest with every paycheck, but I would ha...
by englishgirl
Mon Mar 10, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5438

Re: Anti-virus for Mac?

I used not to bother with anything and never had any problems. However, I installed Sophos when I needed enhanced security to get approval to interact with some other networks. There were a couple of free antivirus programs recommended, and when I checked out the reviews, etc, Sophos looked like it ...
by englishgirl
Mon Mar 10, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3568

Re: Where do you order business checks from?

Are you really going to be printing a lot of checks? 99.5% of our payments are done using online banking, or a credit card. I ordered a small book of regular old checks from the bank. They are in the same style as a personal check (to be handwritten on), except just a bit larger, and came in the sam...
by englishgirl
Mon Mar 10, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1086

Re: Vanguard Minimum Investment Question

Since nearly 63% of the TR2055 fund is comprised of Total Stock Market, which has by far the lowest expense ratio, why not put $10,000 in TSM Admiral class and $ 3,000 in the other TR funds? You will instantly receive the majority of your ultimate savings. Vanguard will automatically convert your r...
by englishgirl
Mon Mar 10, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1680

Re: How much do I need a month?

Why do you need 4 million dollars? Generally for a 30 year retirement, we recommend an initial withdrawal rate of 4%. This would give you an income of $160k per year. You will get social security on top of that (unless you're part of a gov't/state pension scheme that exempts you from paying into SS,...
by englishgirl
Mon Mar 10, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do I need a month?
Replies: 9
Views: 943
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