Search found 2375 matches

by englishgirl
Mon Nov 14, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 6020

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: 1221

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: 1464

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: 1759

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: 2583

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: 2933

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: 1570

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: 781

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: 5725

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: 2210

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: 5222

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: 3710

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: 5222

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: 2210

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: 934

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: 13419

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: 6078

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: 2069

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: 5219

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: 6025

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: 3286

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: 10592

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: 2038

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: 5676

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: 4529

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: 2467

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: 3906

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: 4604

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: 12306

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: 6263

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: 6263

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: 179
Views: 13511

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: 557

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: 335

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: 1842

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: 6927

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: 6936

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: 2327

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: 402

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: 2065

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: 671

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: 3305

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: 3392

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: 32
Views: 2987

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: 3989

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: 407

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: 317

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: 3828

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: 2149

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: 4480

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 ...

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