Search found 2319 matches

by englishgirl
Fri Jul 22, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 24
Views: 1904

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

I invest when the money is available. Which, in my case, is on payday. I get paid 26 times a year but dividing by 25 is a lot simpler than dividing by 26, so I invest on every payday except one which I skip. This year I am skipping July 29th. Woo! It's coming up!! It's not likely to be THE best choi...
by englishgirl
Sat Jul 09, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2471

Re: Employment ideas for former Police?

My dad left the police and went into teaching. He had done his bachelors degree at night school, and found a program that gave a teaching license to people who had previously been employed in other professions with less training than was needed for people coming straight out of college. He ended up ...
by englishgirl
Fri Jul 08, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Coaches?
Replies: 52
Views: 3799

Re: Retirement Coaches?

Wow, this thread. I feel like a lot of people are piling in here under the guise of having a sense of humor, just to brag that THEY don't feel the need for a coach. Well, good for you. Personally, I just signed up for some life coaching as I am approaching a career transition into my semi-retirement...
by englishgirl
Wed Jul 06, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3540

Re: Where To Park Your Emergency Fund?

I don't think what you've planned is bad at all. I have mine in Capital One 360 Savings account (0.75%) and then the next tier in iBonds through Treasury Direct. Simple. I will be opening an Ally account shortly, as I need somewhere short term to park some house proceeds. So I'll see how well I like...
by englishgirl
Wed Jun 22, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: House hunting, tips and why do people list houses too high?
Replies: 41
Views: 3847

Re: House hunting, tips and why do people list houses too high?

Zillow estimates in my neighborhood are very zig-zaggy. They bounce up and down quickly, whereas in another neighborhood that I pay attention too, they move much more evenly. If it's a neighborhood where the houses are very similar to one another, then you can probably rely on it a bit more. In my n...
by englishgirl
Wed Jun 08, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Best Smartphone to use on Cricket?
Replies: 9
Views: 596

Re: Best Smartphone to use on Cricket?

To me, the best one is the one you're already using and have paid for. Providing it was previously on a compatible network. I took my old iPhone 5 to Cricket, and it worked perfectly for me until I dropped it. Then I bought a 5c direct from Cricket. If/when I drop this one once too often, I'll see w...
by englishgirl
Wed Jun 08, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare pricing ?
Replies: 15
Views: 1567

Re: Obamacare pricing ?

I don't have to create an account. You do have to supply some information like state, zip code, age, etc. I clicked on "see if I can enroll" then "see if I qualified for a special enrollment period", answered yes to the first question, and then instead of the big green button say...
by englishgirl
Mon Jun 06, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Kitchen remodeling increases home value?
Replies: 30
Views: 1895

Re: Kitchen remodeling increases home value?

25-30% seems crazy high to me. I'm house hunting right now, and of the houses I am looking at, ones with completely remodeled kitchens AND bathrooms are maybe 7-10% higher in price over the comparable houses prior to remodeling. The nicely done places are sitting on the market for less time, so perh...
by englishgirl
Mon Jun 06, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How to live on $110,000 less income each year?
Replies: 104
Views: 11084

Re: How to live on $110,000 less income each year?

You need to track your expenses so you can see what you are actually spending money on. If you don't already use a service like mint.com, I suggest you sign up. That's what I did when I was looking to drastically cut my spending - now I can't even tell you what I used to waste money on. Is moving on...
by englishgirl
Sat Jun 04, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How many Vanguard (or equiv) accounts do you have?
Replies: 16
Views: 1207

Re: How many Vanguard (or equiv) accounts do you have?

You can hide zero balance accounts from your view. So while I probably have several, I don't see them.
by englishgirl
Tue May 31, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: For whom does a Big Law career make sense?
Replies: 21
Views: 2628

Re: For whom does a Big Law career make sense?

that article is behind a paywall for me.........and i don't want to sign up - free or free trial... can someone list the 5 attributes? .... The attributes are of the people who won't be successful at BigLaw, rather than those who WILL be successful: You like free time, you can't take the heat, you ...
by englishgirl
Sun May 29, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Taking classes at a community college - Question about placement tests
Replies: 33
Views: 1883

Re: Taking classes at a community college - Question about placement tests

Why not just do the placement tests? I did some CC classes a few years ago to get some prerequisites for my Masters degree (my Bachelors was also from a foreign university so I didn't have the general education/humanities classes that were "needed"). I was supposed to do just the English t...
by englishgirl
Sat May 28, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Newborn Delivery on Dec 31 -- which year for deductible/HSA/FSA?
Replies: 14
Views: 1113

Re: Newborn Delivery on Dec 31 -- which year for deductible/HSA/FSA?

I think that the charges would go onto the health insurance/deductible for 2016, but you could use either HSA or FSA. The FSA because there is usually a grace period to use it up, and the HSA because you would actually pay the expenses in 2017. [Edit: in case you have to waive the grace period, you ...
by englishgirl
Sat May 28, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Pre-Approval Letter ... Am I over-complicating things?
Replies: 5
Views: 629

Re: Pre-Approval Letter ... Am I over-complicating things?

I could be completely wrong, but I don't think a pre-approval letter binds you to anything. You're not actually applying for the mortgage there, so I don't think it needs that much research. I called up the place I have my current mortgage and it took 5 minutes to get a letter.
by englishgirl
Fri May 27, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 46
Views: 7386

Re: How long does TreasuryDirect take to convert paper I bonds?

Darn it. Well, thanks for the confirmation. I'll give them a call to check but I guess I'll settle in for the wait and try to make alternative plans that don't involve cashing these bonds in the next 20 weeks!
by englishgirl
Thu May 26, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 46
Views: 7386

Re: How long does TreasuryDirect take to convert paper I bonds?

Has anyone done any conversions lately or have any more updates on processing times? I foolishly mailed off my bonds to convert them earlier this week before finding this thread, and as I potentially want to use them to close on a house purchase, the 20 week backlog is fairly horrifying. Is there an...
by englishgirl
Wed May 25, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is Real Estate Market going crazy again?
Replies: 101
Views: 10176

Re: Is Real Estate Market going crazy again?

A friend just sold their house in a certain neighborhood near me. They received (and accepted) a cash offer from investors. Instead of an appraiser, the buyers sent over a contractor to estimate the cost of renovating it to rent out. The contractor said that this was the 12th house of the same floor...
by englishgirl
Tue May 24, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 8
Views: 842

Re: Advice on new mortgage

If you're going to deplete your emergency funds, you might think about suspending some or all of your retirement contributions until your emergency fund is replenished. Basically instead of putting e.g. 1k/month into both for 6 months, putting 2k/month into the emergency fund for the first 3 months...
by englishgirl
Tue May 24, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 8
Views: 842

Re: Advice on new mortgage

bayview wrote:Congrats on the new spouse! :sharebeer


Thanks!
by englishgirl
Mon May 23, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new mortgage
Replies: 8
Views: 842

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: 8
Views: 842

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: 1965

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: 669

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: 3646

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: 10304

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: 4277

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: 3441

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: 3340

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: 11424

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: 2173

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: 6808

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: 319

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: 319

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: 1462

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: 4052

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: 7152

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: 13850

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: 9716

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: 3490

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: 2539

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: 2499

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: 1478

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: 4742

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: 7142

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: 1223

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: 3512

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: 610

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: 3002

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: 956

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...

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