Search found 2390 matches

by englishgirl
Wed Feb 15, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3628

Re: How do you handle switching your handbag?

I'm a "switch once a year" type person. I am too lazy to switch every week or even every few months. I've been trying to just use one bag until it is totally worn out and then replace it - this works because I tend not to buy leather any more, and pleather handbags are not terribly long la...
by englishgirl
Tue Feb 14, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4213

Re: Insane Bloodwork Cost (Quest Diagnostic)

I spent 9 months trying to get a charge from Quest taken care of. I had some thyroid b/w done as part of my annual physical. Now, I knew that the b/w was additional in the sense that it wasn't covered as part of the "free" physical and that I would have to pay for it, which I had no proble...
by englishgirl
Tue Feb 14, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3500

Re: How long do you keep your kitchen sponge?

I keep them until bits start to fall off them. Several months at least.

They get microwaved about every other day for a minute, which deals with any funky smells.
by englishgirl
Mon Feb 13, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2189

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I have a lot of cash, both as emergency funds, and in savings accounts to pay for various things (car, vacation, property tax). My employment income is not totally stable and I don't get things like paid vacation days like I used to, so it helps me to be more comfortable spending if I have a dedicat...
by englishgirl
Thu Feb 09, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Is it wise to buy I bonds yielding lower than TIPS?
Replies: 18
Views: 1491

Re: Is it wise to buy I bonds yielding lower than TIPS?

... 4) have a tax free spend option for education ... Only if your income is below a certain threshold. I did not qualify when I wanted to do this, although I see that the allowed income amount jumped up fairly substantially in 2015 and I would have qualified if only I'd waited a few years to go to...
by englishgirl
Wed Feb 08, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5333

Re: Hardwood floors vs Wood Look Tile?

We put in the wood look tile into half our house before moving in. We made sure to select one that didn't have the type of surface to attract dirt - it has a small amount of texture but is more of a soft uneven-ness rather than any grainy crevices. It's still easy to run a mop over. Ours is on top o...
by englishgirl
Wed Jan 25, 2017 1:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7359

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday, Taylor!
by englishgirl
Wed Jan 25, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finances and Signficant Other/Future finances
Replies: 18
Views: 1783

Re: Finances and Signficant Other/Future finances

We are still slowly merging things, and some things may never be merged. I think my husband doesn't trust me with money. :) I would be happy with the team approach but he's moving slower. But seriously, he has had to be very tight and controlling with his spending so it's hard for him to relax when ...
by englishgirl
Thu Jan 12, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: I bond strategy
Replies: 37
Views: 2640

Re: I bond strategy

I buy a small amount every month. It's just a little bit of extra emergency savings for me. I started at $25 a month when the fixed rate went back to 0.1% from zero a while ago (although it's since gone back down and up again), and I have increased the amount by $5 every 6 months, figuring I couldn'...
by englishgirl
Wed Jan 11, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Tight Budget Noobie help with Retirement
Replies: 31
Views: 1840

Re: Tight Budget Noobie help with Retirement

We need to look at your budget and see if there is room for additional savings. Can you break it out for us? For example, how much are you spending on gas? How much of that is because one of your vehicles is a gas guzzler? Could that be reduced if you sold that vehicle and bought a small second hand...
by englishgirl
Fri Jan 06, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Assuage my fears? (Buying a house)
Replies: 12
Views: 959

Re: Assuage my fears? (Buying a house)

Fears are normal. We just recently moved into our first "together" house and I had all sorts of misgivings - it's a longer commute, I hated the idea of being in the suburbs, didn't think the neighborhood was as nice as my old neighborhood, etc, etc. And then after we closed on the house an...
by englishgirl
Fri Jan 06, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23312

Re: Annual Vacation Budget

We have so far alternated a "big" vacation year with a lower cost year. For our big vacation, we're looking at $5-6k for two for 2 weeks somewhere nice (we did Hawaii one year, and this year it will be UK + Ireland). For our lower cost year, we've either done a 1 wk-10 day roadtrip (all ga...
by englishgirl
Wed Jan 04, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Part-Time so No 401K. What Are Her Options?
Replies: 15
Views: 1252

Re: Wife Part-Time so No 401K. What Are Her Options?

If she is a part-time W-2 employee, she's stuck with IRA. She's not self employed so cannot use things like Solo 401k, SEP-IRA or SIMPLE-IRA. If she's a 1099 contractor, she should consider using Solo 401k. Interesting so worth opening sole prop and having her company pay that? Would it matter to t...
by englishgirl
Tue Dec 27, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12917

Re: I'll never save a 20% down payment. Rent for life?

OP, have you looked into down payment assistance for your state? My now-husband did that when he was buying a house, and essentially got an interest free loan of $10k which helped immensely. It was available to certain lower income folks buying their first place, and involved a one day financial rea...
by englishgirl
Thu Dec 15, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 2834

Re: Your fava 70% dark chocolate brand?

I buy the 85% usually, but either Lindt or the Aldi's own label Moser Roth (I think that's what it is called).
by englishgirl
Mon Nov 14, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6485

Re: Go part time number

I've been part time for a number of years while I build up my own "semi retirement" biz. It has not been easy, but I've actually still been saving a lot for retirement so while I initially thought I would stop contributing to my retirement accounts and "coast" to retirement at ag...
by englishgirl
Tue Nov 08, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Remodeling vs Moving
Replies: 15
Views: 1287

Re: Remodeling vs Moving

If you have that big of a lot, you could potentially just build a new house next to yours, then move into it and knock the old one down. Is that financially feasible?
by englishgirl
Mon Nov 07, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Increase By Delaying
Replies: 12
Views: 1622

Re: Social Security Monthly Increase By Delaying

Thank you for the two replies so far. However, I am trying to find out the increase by month, not year. Perhaps the monthly increase is N/12 --whatever the amount is if you wait an entire year divided by 12 and multiplied by how many months you are past 62 but before 63, or past 63 but before 64 et...
by englishgirl
Mon Nov 07, 2016 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Now Married - Help Resetting Allocation and No Retirement Savings
Replies: 21
Views: 2156

Re: Now Married - Help Resetting Allocation and No Retirement Savings

If she does not have access to a retirement plan at work, the income limits for being able to deduct contributions to a traditional IRA are different than if she was covered. See: https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-and-deduction-limits-effect-of-modi...
by englishgirl
Sun Nov 06, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: MacBook Air/ Chromebook
Replies: 37
Views: 3244

Re: MacBook Air/ Chromebook

I switched from a MacBook to a Chromebook 2. I always used Turbotax online, so there was no difference there. For general surfing it is great, and much more "Mac" in feel than a Windows machine ever was. The minor problems I have had have been: Printing - I could not print to an old printe...
by englishgirl
Sun Oct 30, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Web advertising - who clicks on it?
Replies: 34
Views: 3096

Re: Web advertising - who clicks on it?

I click on any and all web ads that catch my eye. Sometimes I even buy things based on seeing an ad. I guess my web usage is paying for all the rest of you.
by englishgirl
Sat Oct 29, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Should I take out a 401k loan? Panicking
Replies: 12
Views: 1655

Re: Should I take out a 401k loan? Panicking

Where is your solo 401k held? I don't think Vanguard or Fidelity, for example, will let you do a solo 401k loan. Other companies may. Do you have any other options for financing? You got turned down for a 0% credit card - do you know your credit score? Can you inquire of the company why they turned ...
by englishgirl
Sun Oct 23, 2016 8:24 pm
Forum: Personal Consumer Issues
Topic: Integrative medicine doctor
Replies: 4
Views: 817

Re: Integrative medicine doctor

You should call his office and see if one or all of the appointments can be done remotely, such as by phone or skype. It may be necessary to do the initial visit in person, but if all he's doing is recommending things and then following up to see how you are doing, then I'd think it'd be possible to...
by englishgirl
Mon Oct 17, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 6101

Re: How do you analyze your spending? (Where is my money going?)

.... Mint is pretty rudimentary, but may work for you. It just doesn't have a lot of the reporting and capabilities Quicken does. I would venture that most people on Mint don't bother to properly allocate transaction using splits. That means allocating a paycheck between income, state taxes, FICA, ...
by englishgirl
Mon Oct 17, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2374

Re: Getting out of my baby work shower

Just tell them the truth; that your testosterone level is simply way too high to allow you to enjoy such an event. Ehhh, that's a bit sexist. I didn't enjoy my office wedding shower and my testosterone levels are (hopefully) pretty darn low. And I'm sure some men would love to be the center of atte...
by englishgirl
Mon Oct 17, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Someone else's check got cleared from my Checking Account
Replies: 65
Views: 5444

Re: Someone else's check got cleared from my Checking Account

I am also surprised at the number of folks who don't even keep a register. It used to be a chore to balance the checkbook in the days before personal computers, but now I use financial software. Reconciling is very easy and just takes a couple of minutes. Thankfully bank errors have been rare, but ...
by englishgirl
Mon Oct 17, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 58
Views: 4051

Re: Least expensive iPhone

I keep an eye on iPhone prices because I'll be upgrading when my current 5c breaks. I am not interested in refurbished phones, or trying to risk buying from a private seller on eBay, so if I was getting something right now, I'd get the unlocked 6s directly from Apple, at $549. I'm sure it's not the ...
by englishgirl
Fri Oct 14, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Someone else's check got cleared from my Checking Account
Replies: 65
Views: 5444

Re: Someone else's check got cleared from my Checking Account

I am also surprised at the number of folks who don't even keep a register. It used to be a chore to balance the checkbook in the days before personal computers, but now I use financial software. Reconciling is very easy and just takes a couple of minutes. Thankfully bank errors have been rare, but ...
by englishgirl
Fri Oct 14, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2374

Re: Getting out of my baby work shower

Office baby or wedding showers are something people like to organize. I think it'd be rude to make a big fuss out of NOT having one. Let the organizers have their moment of fun and graciously accept their gifts. Register at Target for a couple of baby items, and a bunch of Target gift cards. Hope yo...
by englishgirl
Wed Oct 12, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Needing insight into why my 401K matching is structured this way...
Replies: 9
Views: 1021

Re: Needing insight into why my 401K matching is structured this way...

They may be under a safe harbor/nondiscrimination requirement. If all the company does is match contributions, then lower wage earners may not get anything if they feel they can't afford to contribute from their own wages. Thus, it is discriminatory against non-highly compensated employees. There ar...
by englishgirl
Mon Oct 10, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 13832

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I've been a BigLaw employee for 15+ years, and I've seen people come and go. Most of the junior associates who buy fancy Mercedes or Porsches and conspicuously consume are either living beyond their means, or their parents paid their way through law school so they don't have student loans to pay but...
by englishgirl
Fri Sep 30, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6510

Re: Where/how do Bogleheads get their tires inflated?

Hubby has a compressor that works off the cigarette lighter, and has been awesome. It came as part of the kit that was included with a company-owned Jeep that he used to drive, and he....uh, forgot to give it back. It works well, both for bike tires and car tires. It does take a little while sometim...
by englishgirl
Sat Sep 24, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 2238

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: 58
Views: 5626

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: 6496

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: 3552

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: 147
Views: 11667

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: 2147

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: 6130

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: 4757

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: 2588

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: 4270

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: 40
Views: 4933

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: 12934

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: 6660

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: 6660

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: 258
Views: 23365

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: 604

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: 368

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: 1936

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...

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