Search found 2358 matches

by englishgirl
Sat Sep 24, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 1812

Re: Best online bill payment service.

I use two different banks, one for my personal account and one for my business account. I don't see any major difference in the bill pay feature - just very very minor changes in one thing or another. It may be just that I've played with it more, but I like Capital One's autopay feature where I can ...
by englishgirl
Tue Sep 20, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 57
Views: 4447

Re: What Percentage To Put In International Stock?

I think whatever you determine is reasonable when looking at the studies, and whatever you can do easily and you sleep well at night with is just fine. As already amply proved by others, none of us knows. I always used to do 50% US and 50% international, but in the interest of simplifying my portfol...
by englishgirl
Sat Sep 17, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5506

Re: Which city for part time home during retirement?

We have been lazily thinking about moving somewhere further north due to potential sea level rise (currently in Miami metro area) and it seems like we have many of the same criteria for a city as you, OP. I'd love to hear where you end up eventually! We've done some driving around and were pleasantl...
by englishgirl
Wed Sep 14, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3033

Re: Figuring out a price to offer on a house...

Can anyone comment on this part? Seller paid $519 in 2009 according to the MLS my realtor is reading. The town says the house sold for $450K: http://qpublic9.qpublic.net/ct_display_dw.php?county=ct_bloomfield&KEY=100068& Wouldn't the town record be correct? If I go to town hall and pull dee...
by englishgirl
Wed Sep 14, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 137
Views: 8037

Re: Favorite Coffee

I buy any ground Colombian coffee that's on sale. The only one that I've really objected to has been Chock Full O' Nuts which seemed to be pretty tasteless no matter how strong I made it. [Pedantic note, Col o mbia is the country that produces coffee. Col u mbia is the university and city in South C...
by englishgirl
Wed Sep 14, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: What's the smallest signup bonus that you'd take on a new credit card?
Replies: 27
Views: 1822

Re: What's the smallest signup bonus that you'd take on a new credit card?

I opened two recently just for 0% financing. We're in the process of moving, with some out-of-the-ordinary expenditures. I figured, why not put them on a 0% card and have the flexibility to pay these expenditures off over time. They may not in the end save me any money, because I actually don't know...
by englishgirl
Tue Sep 13, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5225

Re: Is A Two-Fund Portfolio All You Really Need?

The answer to your question is yes. But you could go simpler, as others have already mentioned with either Balanced Index or Lifestrategy Moderate Growth, which both are 60:40 mixes all-in-one, and you'd then have a one fund portfolio. For many years, I had Vanguard Balanced Index in my 401k (60:40 ...
by englishgirl
Mon Sep 12, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Christmas gift expectations
Replies: 61
Views: 4160

Re: Christmas gift expectations

If it's a fait accompli, and you can easily afford it, then you have to go along with it. I would not cheap out on the gifts for the sake of family harmony and I would try to think of something that I would like myself that is worth $250. But September seems early for everything to have been decided...
by englishgirl
Fri Sep 09, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2317

Re: Waterfron Lot in Florida - Worthless or Priceless?

"On the water" is totally meaningless in Florida. My house is "on the water" but it's not water that goes anywhere useful and is not boat-able. Putting a dock in there would be pointless. You need specifics. Even if you are already aware that it connects to the ocean, the bigger ...
by englishgirl
Thu Sep 08, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 3600

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

I went the other way - I dropped the MacBook for a ChromeBook and kept the iPhone (and iPad). I'm happy with my setup although I can't mess around in iTunes much any more. I got off the phone upgrade cycle by switching to Cricket and only upgrading to the next highest model available (that is, not t...
by englishgirl
Thu Sep 08, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Social Security [i]: Max SS Earnings, Bend Points, How Many More Years? [USA]
Replies: 38
Views: 3789

Re: Social Security, Max SS Earnings, Bend Points, How Many More Years? [USA]

I've been through a ROUGH calculation similar to what you want. I started working in the US at age 32 and don't want to work all the way up to 67 to get my full 35 years. Your maximum possible SS check is obviously when you've worked the full 35 years. But let's say you don't care about earning over...
by englishgirl
Thu Sep 08, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11626

Re: Who is ready for iphone 7?

I'm happy there's a new release anyway, even if the reviews so far are underwhelming. I have a 5c which I'm happy with but would like to upgrade to a 6s at some point (when the 5c dies from being dropped too many times). The iPhone 7 means that the price of the 6s will drop.
by englishgirl
Wed Sep 07, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone else experiencing number drift
Replies: 51
Views: 5933

Re: Anyone else experiencing number drift

The number drift I experience is down, not up. Me too. I read this thread yesterday, and wondered if I was the only one to experience this. Not only the number is going down, but my planned retirement age is as well. Cutting expenses down and getting a handle on how and when I will spend down each ...
by englishgirl
Wed Sep 07, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: Anyone else experiencing number drift
Replies: 51
Views: 5933

Re: Anyone else experiencing number drift

The number drift I experience is down, not up. Me too. I read this thread yesterday, and wondered if I was the only one to experience this. Not only the number is going down, but my planned retirement age is as well. Cutting expenses down and getting a handle on how and when I will spend down each ...
by englishgirl
Wed Sep 07, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10591

Re: How much is your cell phone bill?

We have 2: Cricket Wireless - normally $35 a month, bumped up to $45 a month lately due to extra data usage (no internet at home). This should go back down to $35 soon. Unlimited talk and text, 3.5GB of data. Republic Wireless - $10 a month plus taxes, so it's about $12.36. No data except over wifi....
by englishgirl
Tue Aug 30, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: When is best time to buy Ibonds?
Replies: 5
Views: 521

Re: When is best time to buy Ibonds?

I think buying I bonds now is a good idea. The only time I think you wouldn't want to buy them is if the 30-year period would end during your peak earning (and thus, taxing) years. I bought a bunch starting at 32, so they'll be maturing when I'm 62 which could have been risky if I was still working ...
by englishgirl
Wed Aug 24, 2016 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a Brit in the US
Replies: 4
Views: 301

Re: Advice for a Brit in the US

I think you need to make a decision as to whether you would like this move to be permanent or not. Not that you can't change your mind later, but it cuts down on some of the analysis paralysis if you start working towards a future in the US or UK. On my part, I knew very early on that I would try to...
by englishgirl
Tue Aug 23, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance question
Replies: 23
Views: 1740

Re: Homeowner's insurance question

A somewhat similar thing happened when my husband first bought his house. The insurance company came out to do their own inspection and then promptly cancelled his insurance. The reasons given were that the roof was reaching the end of its life, there was rot under the master bath vanity, the tile i...
by englishgirl
Mon Aug 22, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 6604

Re: Homeowners should consider flood insurance

I have carried flood insurance even though it's not strictly "necessary" for me ever since we had some bad tropical storms that were much more "rain events" than "wind events". Several areas near me flooded, and I watched the lake that was previously my street (thanks, ...
by englishgirl
Mon Aug 22, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you view debt?
Replies: 108
Views: 6555

Re: How do you view debt?

Debt increases the amount I have to earn to cover my expenses. As I am approaching the time where I am hoping to quit the "day job" and rely totally on my own business, the flexibility I gain by reducing my fixed expenses as much as possible is worth more to me than most needs I have to bu...
by englishgirl
Mon Aug 22, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Being OK with sacrificing current enjoyment for future freedom?
Replies: 24
Views: 2200

Re: Being OK with sacrificing current enjoyment for future freedom?

i'm sure this has been discussed but at what point does not taking that vacation, or not buying the nicer home/car, or not splurging on a nice meal stop making sense? of course we, by virtue of being on this forum, place a premium on watching our savings and retirement accounts grow but being as to...
by englishgirl
Thu Aug 18, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: How to determine cost of 401k
Replies: 9
Views: 377

Re: How to determine cost of 401k

In my 401k, each option (fund) has a one page "Investment Overview" document which has the main information in it. The expense ratio is listed on there. Once you find the expense ratio, order the funds from smallest to largest fee, and make your selection from the cheapest funds only. My e...
by englishgirl
Fri Aug 12, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 1906

Re: How do you wire money?

My bank allows me to use my online banking to wire money to a Title Company. It just goes from my bank to the title company, and I don't think it goes through a clearing house. It cost me a fee of $30, but...ehhh. It was really easy and quick. Maybe yours has a similar function if you look in your o...
by englishgirl
Thu Aug 11, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Put business name on "personal credit card" / corporate veil ?
Replies: 5
Views: 651

Re: Put business name on "personal credit card" / corporate veil ?

I did not have much trouble finding a business credit card with no annual fee. It is true that personal cards generally have better rewards programs. I don't know whether a credit card issuer would put a business name on a personal card. Even if they did, I doubt it would provide any liability prot...
by englishgirl
Tue Aug 09, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Not paying mortgage, what???
Replies: 21
Views: 3237

Re: Not paying mortgage, what???

It takes a while for banks to go through the foreclosure process. They'll catch up eventually.
by englishgirl
Thu Aug 04, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3190

Re: Cricket Wireless - Selecting a Smartphone

You can buy a SIM card from Cricket when you sign up. It used to be $10 - not sure if it still is. When I took my unlocked phone there, I think during the sign up process there was an option to say which phone you had so that they sent the right sized SIM card.
by englishgirl
Thu Aug 04, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 29
Views: 2373

Re: closet organizing system

A friend is a fan of the Elfa system at the container store. We haven't gone to see it ourselves yet. In our market, I'd be surprised if carpenters were cheaper - a few have told friends to get IKEA items to modify vs complete built-ins to save money. We don't have walk-in closets though, since our...
by englishgirl
Thu Aug 04, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: No faith in stocks/bonds - Where to park cash?
Replies: 38
Views: 3819

Re: No faith in stocks/bonds - Where to park cash?

You could put a tiny fraction of your money into I bonds or EE bonds. They are government savings bonds and so don't work quite the same way as bonds on the open bond market. There's a max of $10,000 per year you could invest into each type of bond. You can't cash for the first year without an inter...
by englishgirl
Thu Aug 04, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 401K, IRA & Roth - Invest max in all
Replies: 3
Views: 389

Re: 401K, IRA & Roth - Invest max in all

I think you're misunderstanding what a "Roth" is - it is not a separate retirement vehicle. Rather, you can have a Roth IRA or a Roth 401k which means that you paid tax on the money up front. A traditional IRA or a traditional 401k are accounts where you put money in pre-tax, but you have ...
by englishgirl
Wed Aug 03, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do savings accounts with sub-accounts pay interest by sub-account?
Replies: 5
Views: 288

Re: Do savings accounts with sub-accounts pay interest by sub-account?

Hoping to receive just one 1099-INT at the end of the year from the institution, but still have the interest earned for "auto", "home", "emergency", et. all attributed to the correct sub-account. Capital One 360 does this, but it lists the account numbers rather than t...
by englishgirl
Wed Aug 03, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Advice on buying a used Prius
Replies: 58
Views: 3485

Re: Advice on buying a used Prius

I had a main battery failure in my 2001 Prius, but it was within the warranty period and didn't cost me anything. Before it happened there were plenty of weird noises, judders and rattles, that went on for a few weeks so I suspect that the failure was triggered by something else wrong with the car t...
by englishgirl
Tue Aug 02, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: House Hunting
Replies: 16
Views: 2087

Re: House Hunting

In addition to exact location in the neighborhood, there may also be differences in finishes/renovations. A house that is completely current and done with high end finishes will command more money than one that needs some work. It's probably not enough to make up for the full $100k difference, but c...
by englishgirl
Wed Jul 27, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 63
Views: 4302

Re: Do Realtors Find FSBOs?

Re: the pictures: I liked listings where the front of the house was picture #1. Yes, you have a nice pool. But then I have to click through to see the front of the house. If you're looking at a whole bunch of listings, that's a (very mild) annoyance. I don't like fish-eye pictures. And is there any ...
by englishgirl
Wed Jul 27, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I worry about FDIC limits if only a short time period is involved?
Replies: 21
Views: 1376

Re: Should I worry about FDIC limits if only a short time period is involved?

OK, thank you all for your input! I checked the bank's safety rating, and am not going to open an account at a different institution just for this. The amount involved is less than $50,000 over the limit. However, I will look into making/opening one account at my bank which is a joint account and th...
by englishgirl
Wed Jul 27, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 63
Views: 4302

Re: Do Realtors Find FSBOs?

Second, I already think that you are going to be unrealistic because you're FSBO. I don't have time for that. I want a carefully thought out offer price on a property and I want someone professional to deal with MY realtor so we can get stuff done in a timely manner. I think that this is an unfair ...
by englishgirl
Wed Jul 27, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I worry about FDIC limits if only a short time period is involved?
Replies: 21
Views: 1376

Should I worry about FDIC limits if only a short time period is involved?

Hello all, I'm in the throes of the house buying and selling process. There will be a period of time of approximately 1 month where I will have the equity from my old house sitting around before I put it towards my new house. It may be less time, I'm not sure. My plan was to have the money transferr...
by englishgirl
Tue Jul 26, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 50
Views: 8553

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

Just to post a quick update. I was on the TD site, and saw that there was a "contact us" feature with a box to type a message. I sent a message asking for an estimate of how long it would take, and got a reply the next day stating that they had converted them, and apologizing for the delay...
by englishgirl
Mon Jul 25, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 63
Views: 4302

Re: Do Realtors Find FSBOs?

I am in the process of moving, and as a buyer, *I* was not interested in FSBO properties. Yes, despite being a Boglehead and potentially saving some money. First, as already mentioned, too many FSBO listings just have like 1 photo, or if you're very lucky, 3-6 photos. Do not expect me to spend time ...
by englishgirl
Mon Jul 25, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3749

Re: What kind of apartment can $1k get you in your city?

I live in Manhattan and don't even ask about $1k per month; unless you intend to have several roommates. A place I own in Lake placid, Florida $1k gets you a terrific apartment. I would prefer where I am living, but better values for that amount are found throughout much of the South. Florida renta...
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: 32
Views: 3123

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: 2618

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: 3977

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: 3696

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: 3932

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: 668

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: 1652

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: 2029

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: 11517

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: 1279

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.

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