Search found 2342 matches

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: 275

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: 1620

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: 74
Views: 5351

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: 101
Views: 5474

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: 2086

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: 352

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: 1815

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: 617

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: 3195

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: 3040

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: 18
Views: 1320

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: 3746

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: 377

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: 272

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: 3303

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: 2017

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: 4078

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: 1315

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: 4078

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: 1315

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: 48
Views: 8069

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: 4078

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: 3640

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: 3054

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: 2533

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: 3909

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: 3634

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: 3902

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: 641

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: 1616

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: 1985

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: 11372

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: 1254

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: 2712

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: 1937

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: 1148

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: 647

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: 48
Views: 8069

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: 48
Views: 8069

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: 10456

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: 904

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: 904

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: 904

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: 904

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: 2012

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: 704

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: 3710

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: 10602

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: 4390

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...

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