Search found 2409 matches

by englishgirl
Thu Apr 20, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: I will pay off mortgage at 40. What next?
Replies: 22
Views: 2484

Re: I will pay off mortgage at 40. What next?

It hasn't been very long for me/us, but so far we have built up to maximizing my 401k and SEP IRA, and my spouse's IRA (I was already maximizing my IRA). Next up will probably be dropping my income by working less, so I don't necessarily think I will be venturing into a taxable account - will probab...
by englishgirl
Mon Apr 17, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 1916

Re: Closing my oldest credit card

I am signed up for several free credit monitoring services, and the two I have looked at lately both have a "what if" section where you can look at the effect different actions will have on your credit. It might be worth having a poke around whatever service gave you the score you quoted t...
by englishgirl
Thu Apr 13, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1694

Re: Working without an office - Strategy

Are there any supermarkets near you with any seating? We have a downtown Publix that has some picnic tables outside (not so good in the summer when it it very hot). Then in a city 10 miles away they have one with an upstairs "community" area with tables that you can sit and have your lunch...
by englishgirl
Thu Apr 13, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Most sophisticated tax software?
Replies: 6
Views: 622

Re: Most sophisticated tax software?

What version of TurboTax are you using? I've found TurboTax self-employed to be relatively sophisticated. I think if you buy the download version it is called TurboTax Home and Business.
by englishgirl
Fri Apr 07, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 3986

Re: Avoiding shafting my local merchants with card fees

Personally, I feel more shafted being asked to give a 5% discount for cash. First, I pay less than 3% in cc fees, so by asking for a 5% discount you're asking for more back. And second, then I gotta take your darn cash to the bank. Credit card payments go direct into my account from Square, and I ca...
by englishgirl
Fri Apr 07, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: friend has roofing small biz, how to accept credit cards?
Replies: 11
Views: 697

Re: friend has roofing small biz, how to accept credit cards?

I assume you know about Square, the thing that plugs into your smartphone jack and with the app, acts just like a credit card swipe? I see those almost everywhere when we go to farmer's markets, craft and art shows, etc. https://squareup.com/ Yup. No need for merchant services account or to pay for...
by englishgirl
Wed Apr 05, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 1982

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Try Thumbtack. I have used it for a number of projects, including our move last year. You get up to 5 "quotes" which are really just contacts, you can look at the people's profiles and communicate with them. You are under no obligation to hire anyone. We ended up going with a small local m...
by englishgirl
Mon Apr 03, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Europe Cell Roaming after July 2017 Question
Replies: 18
Views: 597

Re: Europe Cell Roaming after July 2017 Question

What calls or data needs do you have that cannot be done via wi-fi? Between whatsapp, Facebook, Google Voice and iMessage, I just don't see a need.
by englishgirl
Sat Apr 01, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Florida prop taxes + insurance?
Replies: 23
Views: 1415

Re: Florida prop taxes + insurance?

If you are a full time resident, you file for homestead exemption on your property. That gives you an immediate reduction in assessed value, but more importantly, puts a cap on annual increases after that. It can become very valuable over time. When you are looking at property tax values, be sure to...
by englishgirl
Tue Mar 28, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 563

Re: Best business checking and credit card for sole proprietorship

If you are selling by credit card, you should find out if deposits to your checking account from the merchant account are made per transaction or daily. The two systems I have used both do daily deposits. This cuts down on the number of transactions in the checking account, and thus the level of ser...
by englishgirl
Mon Mar 13, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18243

Re: gratuitous homeownership items

We moved last year, and we had drawn up a list of things we wanted and didn't want and stuck to it. It made house hunting a little difficult but in the end we found a great house. Wants that we we use a lot: separate tub in master bath (but NOT jetted) screened in porch only one place to eat that is...
by englishgirl
Mon Mar 13, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 3932

Re: How many pairs of jeans do you own?

Is this actionable or relevant to finance issues? But anyway, in before the lock... I have zero pairs of traditional blue jeans. I have three pairs of jeans-like casual pants, one in grey, one in burgundy and one in black. But they're lighter weight than traditional denim, which I prefer in FL. Mayb...
by englishgirl
Thu Mar 09, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15270

Re: How Much in Your Emergency Fund And Is It Used?

Who's obsessing? :) I have $20k in my real (or "second tier") emergency fund, in I-bonds. This is about 6 months of frugal expenses, and I would only tap it in the event of extended job loss or something dire. I plan to spend it during the early retirement years, as once I can easily tap m...
by englishgirl
Tue Mar 07, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 835

Re: Using turbo tax online

I have my entire turbo tax online tax return history (14 yrs of returns) available under the tab called "My Turbo Tax". Then I select "My docs".
by englishgirl
Mon Mar 06, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: How often do you discuss finances and spending with your spouse?
Replies: 60
Views: 3439

Re: How often do you discuss finances and spending with your spouse?

I earn more than my husband, and yes, I feel entitled to some spending. But I budget $200 a month for all such spending that is "mine". It probably could be less, but it is what works for right now. There is a vast difference between having some extra spending money because you bring in mo...
by englishgirl
Fri Mar 03, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: I Bonds: time-delayed Emergency Fund or down-payment?
Replies: 31
Views: 2082

Re: I Bonds: time-delayed Emergency Fund or down-payment?

The interest is not subject to state and local income tax. They are tax deferred NOT tax-free. I believe can either pay taxes on the interest yearly, or as most do, defer paying tax on the interest until when you cash them in. You will get a 1099-INT the year you cash them either way. I believe tha...
by englishgirl
Thu Mar 02, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 895

Re: State wages (box 16) blank on W-2

I've never had anything other than a blank box 16 on my W2. But I live in a state that doesn't tax income.

I think this is going to be highly dependent on the exact states involved. Which I don't think you've provided.
by englishgirl
Thu Mar 02, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Want to downsize, best option for funding home improvements
Replies: 22
Views: 1228

Re: Want to downsize, best option for funding home improvements

You could look into opening one or more 0% credit cards. We moved in the last half of last year and by raiding our emergency fund, we were able to pay cash but it left us without much money for needed home remodeling on moving in. I ended up with two new 0% credit card accounts - one from the floori...
by englishgirl
Wed Mar 01, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Trying to start small
Replies: 16
Views: 1191

Re: Trying to start small

For what it's worth, I was able to open a SEP IRA with very little money ($135), way less than the normal minimum required to open an account. I did already have the same fund in my Roth IRA (in my case, Lifestrategy Moderate Growth, which has a $3k minimum) at well more than the minimum, so I suspe...
by englishgirl
Wed Feb 15, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3993

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: 4508

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: 3765

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: 2292

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: 1623

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: 5819

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: 8520

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: 1856

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: 2813

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: 1873

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: 977

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: 24629

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: 1312

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: 13301

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: 2986

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: 6767

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: 1336

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: 1679

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: 2217

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: 3392

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: 3194

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: 1693

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: 838

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: 6425

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: 2484

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: 5706

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: 4443

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: 5706

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: 2484

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: 1061

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: 14349

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...

Go to advanced search