Search found 2299 matches

by englishgirl
Mon May 23, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 5
Views: 540

Re: Advice on new mortgage

Thanks EHEngineer. I have about $60k of cash and savings bonds, so I guess I could drain a bunch of other accounts. But...I'm very hesitant to be left without my cash cushion. I am honestly not sure if we can do a HELOC on my spouse's home - while he does have some equity there are also some financi...
by englishgirl
Mon May 23, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 5
Views: 540

Advice on new mortgage

I am in the process of selling my house and moving to a cheaper one. I feel a bit confused with mortgage options and would love some input. I want to retire in the next 12-15 years, and I definitely want to pay off the mortgage before that point. Also, during the remaining time that I am working, I ...
by englishgirl
Wed May 18, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a move from one house to another
Replies: 29
Views: 1783

Re: Financing a move from one house to another

Maybe I am missing something, but why not take a mortgage out for the new house and then pay it off when you have the proceeds from the old house? You may have to use cash to fund a 20% downpayment, but if you find a mortgage that has no prepayment or early payoff penalty then you should be able to ...
by englishgirl
Tue May 17, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Late Start/Help
Replies: 7
Views: 615

Re: Late Start/Help

Get him to check his social security estimate so he has a rough idea of what he might collect at full retirement age. Is this a two or three bedroom house? Is there scope for renting out another room? Is there any form of retirement saving through work, like a 401k? Can he start with 1% in there? Ho...
by englishgirl
Fri May 13, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Early -or- Not At All
Replies: 31
Views: 3423

Re: Retire Early -or- Not At All

I don't know about part time "forever" because I think there comes a point when you just want to stop, but that is essentially my goal. I've been working towards it for several years now. I've gone part time in my "day job" so that I can build up my own little business - when the...
by englishgirl
Thu May 12, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 9116

Re: Take my SS at 62 or wait?

...<snip>... I take into account QUALITY OF LIFE (that matters a lot), and "if" I decide to spend some of that money, I could probably find better ways to spend it at 62 than at 70, or 80. The few extra bucks I'll get at 66 or at 70 by waiting aren't really going to make me or break me. A...
by englishgirl
Wed May 11, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 3992

Re: When do you use cash, when a credit card?

I use cash to buy lunch for myself or to pay for parking if I happen to have cash in my wallet - sometimes people give me some, sometimes I get some out to pay someone and have some extra cash left over. And I use cash if I hire someone to do something and they won't accept credit cards. For example...
by englishgirl
Tue May 10, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What advice (about anything) would you give your 30-35 year old self?
Replies: 29
Views: 3287

Re: What advice (about anything) would you give your 30-35 year old self?

Have kids now before it gets too late.

Think twice before buying yet more stuff.
by englishgirl
Tue May 03, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 3175

Re: Almost perfect credit score (FICO from Amex)

I didn't check my score through their site before, as I have several other sites that also offer free scores. But I went ahead and looked and it was actually higher than on the other sites. I still did get dinged for having too few accounts, and for the age of my accounts being off. Ehhh, I'm not go...
by englishgirl
Thu Apr 14, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10882

Re: When was the most stressful financial time in your life?

I have been extremely lucky so far with no major periods of unemployment, no divorce, and no disability. All pure dumb luck, I suspect. So, then mine would be immigrating to the US. Starting over again on a much lower salary while re-qualifying in the US, no job certainty, no certainty over investin...
by englishgirl
Wed Mar 16, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: So, about health insurance...
Replies: 18
Views: 2067

Re: So, about health insurance...

You should be able to check prices of individual plans fairly easily. I would definitely do that AND inquire of your soon-to-be-former employer how much the COBRA coverage will be. Then you can make an informed decision as to which plan to go with. For reference, when I was offered COBRA in 2012, it...
by englishgirl
Thu Mar 03, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: housing: am I just being too picky?
Replies: 60
Views: 6575

Re: housing: am I just being too picky?

You could find that in my area. If you want it move in ready and with a short commute, it'll set you back several million dollars though.
by englishgirl
Mon Feb 29, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question on using HSA funds for spouse
Replies: 2
Views: 297

Re: Question on using HSA funds for spouse

Thank you Gus! That quote from Publication 502 was the missing link I needed.
by englishgirl
Mon Feb 29, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question on using HSA funds for spouse
Replies: 2
Views: 297

Question on using HSA funds for spouse

My searching abilities have failed me, so I'm hoping someone knows the answer to this. I want to use my HSA to pay for some medical expenses incurred by my soon-to-be spouse. Once we are married I will be going on his employer's plan, which will be saving me/us $195 per month in premiums, plus will ...
by englishgirl
Sat Feb 13, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Shouldn't you have separate AA for Retirement/Non-Retirement?
Replies: 18
Views: 1412

Re: Shouldn't you have separate AA for Retirement/Non-Retirement?

The general rule of thumb I follow is that money you are saving for the short term is in cash in a savings account, and then all money that could be long term/retirement is at my retirement AA. I guess I've never thought about saving for a house for 15 years. If you have so little that it takes 15 y...
by englishgirl
Tue Jan 05, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 3754

Re: How often does your credit card # get stolen?

In the last 10-15 years that I can remember, twice. Both times were within a couple of months of each other in 2014 - I suspect the first time was from a skimmer at a gas station, and the second time was possibly from an Asian restaurant I'd never been to before. Prior to that, I had my bag stolen i...
by englishgirl
Mon Jan 04, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6905

Re: [What will you do differently in] 2016

Hopefully sell a house, buy a new house, and move. Which will involve all sorts of changes in my monthly expenditures, as it involves moving in with my SO, so some expenses will become joint expenses. Other than that, it would be nice if my business continued its upward trajectory, as the last few y...
by englishgirl
Thu Dec 24, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 13316

Re: Biggest lucky break in your personal finances?

My biggest lucky break was landing an ex-pat job in my mid-late 20's which was tax free AND included free accommodation. I only stayed there for 3 years but during that time I really started saving and while I had a bad run-in with a financial advisor, at least that made me want to learn about finan...
by englishgirl
Tue Dec 08, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 9171

Re: How to learn a second language

I've been enjoying Duolingo and have been learning more than with a couple of other apps that I have tried. I've only been using it for a short while, though, so I can't make any claims about it giving me any fluency. I do like that I can use it from my phone or my laptop, and it'll immediately pick...
by englishgirl
Tue Dec 08, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Serta iComfort / Tempurpedic - Buying a Mattress
Replies: 40
Views: 3314

Re: Serta iComfort / Tempurpedic - Buying a Mattress

Why did you pick Serta iComfort over Tempurpedic or Tempurpedic over iComfort? I went with Tempurpedic. We tried a bunch of mattresses in stores and this was the best compromise situation that we both found OK to lie on. Did you spend the extra money and purchase the adjustable foundation/box sprin...
by englishgirl
Tue Dec 08, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Wife uncomfortable investing in taxable account
Replies: 41
Views: 2414

Re: Wife uncomfortable investing in taxable account

So it seems a matter of perception. She's still thinking of that money as an emergency fund, while you're thinking of it as part of the retirement portfolio. Is there a way you can structure and frame things so that you are both comfortable? For example: we will always keep 6 months of expenses in c...
by englishgirl
Mon Dec 07, 2015 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2437

Re: Friday, 1/1 pay is really 12/31 (different tax year)

I have my IRA contribution set to automatically be withdrawn from my bank account on payday, and I normally manually skip one payment in July ($5500 divided by 25 is a much nicer number than if I divide by 26). This year I noticed that my employer bumps the paycheck early to the day before the holid...
by englishgirl
Mon Dec 07, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Jeans for short thin men.
Replies: 17
Views: 1411

Re: Jeans for short thin men.

Do you have an outlet mall anywhere near you? My boyfriend makes out like a bandit at the outlet mall because the small sizes are so often left on the racks. However, some stores will only start at a waist size of 32, so now we ask when we get in the store to save time going through racks of jeans t...
by englishgirl
Tue Dec 01, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Made Simple (Free on Kindle for 2 Days)
Replies: 46
Views: 4575

Re: Social Security Made Simple (Free on Kindle for 2 Days)

Thanks Mike! Very generous of you. And I must admit, I think my original version was a freebie too, that you made available when it first came out. Or maybe it was a discounted version, I can't remember. I updated successfully (I assume - my Kindle is at home but my Amazon page told me the update ha...
by englishgirl
Fri Nov 20, 2015 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged =( [Lost money in IRA target fund]
Replies: 66
Views: 6878

Re: Discouraged =( [Lost money in IRA target fund]

It's quite normal to be discouraged, I think. You plunk all this money down and hope to have made a fortune by now. I've been investing for over 15 years and I will admit to feeling quite discouraged myself for most of this year. I was hoping to hit some big-for-me numbers this year (I gave myself a...
by englishgirl
Fri Nov 13, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: File and Suspend is ending May 1, 2016
Replies: 7
Views: 1201

Re: File and Suspend is ending May 1, 2016

File and suspend is not going away. What *is* going away is what happens when your benefits are suspended, and most of the strategies involving that feature will soon be kaput. For all practical purposes, "file-and-suspend" is going away. When someone says they're going to "file-and-...
by englishgirl
Mon Nov 09, 2015 11:35 pm
Forum: Personal Consumer Issues
Topic: like to live in tropical weather
Replies: 26
Views: 3388

Re: like to live in tropical weather

Lake Worth, FL. It's a bit Key West-y but on the mainland. Downtown has some cheap small cottages. It does have some unsavory aspects, and is not completely tropical as winter can sometimes get a cool snap. But not a bad choice.
by englishgirl
Wed Nov 04, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Social Security - File & Suspend Question
Replies: 4
Views: 585

Re: Social Security - File & Suspend Question

Yup, you and I are in the same boat, as we will have to totally change strategy because of the new rules. My current thinking is that my spouse (assuming he doesn't miraculously start earning lots more money between now and then!) will file at his FRA for his full benefit. Then I will delay to age 7...
by englishgirl
Tue Nov 03, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Do you hold international bonds in your tax-advantaged space?
Replies: 43
Views: 2846

Re: Do you hold international bonds in your tax-advantaged space?

As my Roth IRA is 100% invested in Lifestrategy Moderate Growth, which has some international bonds, yes I do. It's not a big percentage nor was it a conscious choice of mine, but equally, I wasn't put off investing in LS Moderate Growth just because of the international bonds there.
by englishgirl
Wed Oct 28, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Recommendations on places to stay in or around Yosemite
Replies: 10
Views: 911

Re: Recommendations on places to stay in or around Yosemite

Oh! I was there last week. We stayed at the Yosemite View Lodge in El Portal. Very close to the west entrance. It was clean, and nice enough although the décor was a bit tired. Our room had a wonderful view right on the Merced river - it seems like most of the rooms are set up that way, and it's onl...
by englishgirl
Wed Oct 28, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 11093

Re: Changes to SS regulations in new funding bill...

My reading is that it would change several things. <snip> A second interesting change regarding deemed filing is that the bill would make it applicable immediately and automatically once somebody becomes eligible for a benefit requiring deemed filing. Currently, deemed filing only applies when you'...
by englishgirl
Wed Oct 28, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 11093

Re: Changes to SS regulations in new funding bill...

My reading is that it would change several things. <snip> A second interesting change regarding deemed filing is that the bill would make it applicable immediately and automatically once somebody becomes eligible for a benefit requiring deemed filing. Currently, deemed filing only applies when you'...
by englishgirl
Tue Oct 27, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Typical Retirement Day, 5 years later?
Replies: 20
Views: 3557

Re: Typical Retirement Day, 5 years latter?

zagyzebra wrote: < snip > Etcetera. Respectfully, most stay at home parents would argue that leaving work to become a full time mom isn't exactly "retiring." Your timetable reads that you stopped working to raise your toddler child, then went back to work 11 years later when he or she gre...
by englishgirl
Mon Oct 26, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Which medical bill to pay first
Replies: 14
Views: 1148

Re: Which medical bill to pay first

Make sure you are "happy" with the amount charged first, in the sense that if this was in network, make sure you are getting the appropriate insurance discounted rate and all that good stuff. I wonder if there's a tendency to think that the bill is the bill when it's a high deductible plan...
by englishgirl
Mon Oct 26, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 HC.gov health insurance pricing is up
Replies: 51
Views: 4813

Re: 2016 HC.gov health insurance pricing is up

I was reviewing the plans for my state, and they all have "not eligible for hsa" under their summaries, even though they have the high deductible that on the surface meets criteria. Is this more that they don't have an hsa attached to them, or that there is something about the policies th...
by englishgirl
Sat Oct 24, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 111
Views: 11761

Re: Age when you started to max out your retirement accounts?

I haven't yet, and I'm in my late 40's. I still seem to be on track for retiring at 60 or less.
by englishgirl
Thu Oct 08, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Finances as a newlywed couple?
Replies: 29
Views: 2325

Re: Joint Finances as a newlywed couple?

What I've been thinking about would work for me and my bf but may not work for everyone. But anyway, here's another option - we both get paid every 2 weeks, so out of the month we can put one paycheck into the joint account and one paycheck in our own accounts. The joint account can pay for all hous...
by englishgirl
Thu Oct 08, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Toshiba Chromebook 2 (2015) model available
Replies: 28
Views: 3820

Re: Toshiba Chromebook 2 (2015) model available

Nope, but I still absolutely love my Toshiba Chromebook 2 that must be last year's model. I got the cheaper one (non-HD) and it's been an excellent purchase. I wouldn't hesitate to get the newer one.
by englishgirl
Tue Sep 29, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 7857

Re: Should my husband become a US citizen?

I must say, there's a greater peace of mind knowing that as a naturalized citizen, you can be deported for way fewer things. Not that I, as a law abiding person, have ever done any deportable things, or ever intend to. But there's always this tiny question in the back of your mind - what if somethin...
by englishgirl
Mon Sep 28, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Inexpensive idea(s) for organization contact phone number?
Replies: 8
Views: 415

Re: Inexpensive idea(s) for organization contact phone number?

Cheapest Option: Having a Google Voice Phone number would be the cheapest (free). You can then have a OBIHAI device to convert it to a "sorta" landline number or can have it forwarded to any phone number for incoming calls. Downside for your organization? Having a dedicated google account...
by englishgirl
Mon Sep 28, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: % Net Worth Change Since New Year's 2015
Replies: 95
Views: 9204

Re: % Net Worth Change Since New Year's 2015

Well, according to Mint I am down 2%. And that's including all the saving I've done this year. My "Zestimate" of my house value is down so I suppose that's the real driver. Not that that's in any way accurate...
by englishgirl
Mon Sep 28, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: What is your car buying strategy?
Replies: 84
Views: 5513

Re: What is your car buying strategy?

What I did last time was to contact dealers by email to get a price quote. This was for a new car. The lowest price people and the easiest to work with happened to be the nicest ones that I'd met when I test drove a few cars several weeks previously, so that made me happy. I basically did all my neg...
by englishgirl
Mon Sep 28, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: Any Regrets Getting Rid of Land Line?
Replies: 74
Views: 5548

Re: Any Regrets Getting Rid of Land Line?

Well, the only people who would have regrets are the ones who ended up having an emergency during which cell phones did not work AND they found they absolutely needed to get in touch with people. I used to keep an old corded phone with a landline for use during hurricanes. I used it successfully in ...
by englishgirl
Thu Sep 17, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: What is the best way to purchase Iphone?
Replies: 37
Views: 5247

Re: What is the best way to purchase Iphone?

Buy phone for full price. Go to Cricket Wireless (AT&T network) or StraightTalk (Verizon Network) and pay ~$45/mo. Your 2nd question above: If you look here http://www.apple.com/iphone-6s/specs/ in the Cellular and Wireless section, the phones have virtually identical network capabilities with ...
by englishgirl
Thu Sep 10, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: I am running out of excuses to not move out
Replies: 71
Views: 6879

Re: I am running out of excuses to not move out

Maybe you should look to rent a room or share with roommates if you don't want to spend the money for a whole apartment. Or a small studio. That might soften the blow of the monthly expenses. If you got a small studio, you could always plan to go back to the parents for weekend to do the laundry and...
by englishgirl
Tue Sep 08, 2015 10:35 am
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3301

Re: What are the most viewed threads ever?

The one about the Hindenburg omen should be on the list for Nisi's charts, which start at page 4. viewtopic.php?f=10&t=59236&start=150
by englishgirl
Sun Sep 06, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 9398

Re: Post your current employer retirement plan! (if any)

My 401k has improved significantly in the years I have worked for my employer. They did do away with the match but they only ever paid like 0.75% match anyway, so no biggie. They give a discretionary profit sharing, which normally is around 3% of pay for me. That is paid out twice a year, although a...
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: 3378

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: 9262

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: 3378

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...

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