Search found 2427 matches

by englishgirl
Sat Jul 15, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 20
Views: 2269

Re: Teeth Whitening

I have used Crest Whitestrips for years - over a decade I think. After a year or so of drinking coffee, they need doing again, but I hardly ever bother to do a full box or use them every single night while doing it now. My teeth get a bit sensitive if I use them every night, so I find every other da...
by englishgirl
Tue Jul 11, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Making the Leap to Self-Employment
Replies: 16
Views: 1585

Re: Making the Leap to Self-Employment

I have been working on doing this for far too many years. Part of my problem is that I decided to completely change career at the same time, and so I did not go into the new career with any experience or clients. What were some notable surprises or unexpected developments? Just how long it is taking...
by englishgirl
Mon Jul 10, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do when you run the numbers and don't like the answer that you get?
Replies: 29
Views: 3369

Re: What do you do when you run the numbers and don't like the answer that you get?

If the market returns 6%, which is entirely possible, your money should double in 12 years (rough calculation using the "rule of 72"). You have 20 years. So, let's assume that you immediately start saving $0 per year from now on, but are able to get a job that covers your expenses so you d...
by englishgirl
Wed Jun 28, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How many "accounts" do you maintain at your investment firm?
Replies: 31
Views: 1598

Re: How many "accounts" do you maintain at your investment firm?

Firm #1: His 401k His Roth IRA My 401k Firm #2: My Roth IRA My SEP-IRA (seems to include a brokerage account - I don't quite understand the setup tbh) It's sheer dumb luck that my 401k has ended up at the same place as his 401k. It used to be at firm #3. As we are still adding to them, it is up to o...
by englishgirl
Mon Jun 26, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 971

Re: Travel to Ireland and, hopefully, to Cambridge, England

If you were going to rent a car, the closest airports to Cambridge are probably London Luton or London Stansted. [I say "probably" in the sense of "closest airport that you are likely to be able to get a flight to" - Cambridge has an airport but it's more like a private airfield,...
by englishgirl
Fri Jun 23, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: I need a strategy to address debt and savings
Replies: 38
Views: 4070

Re: I need a strategy to address debt and savings

Do you have to pay $55 for your phone plan? Mine is $35, and there are plenty cheaper out there. Even an extra $20 in your pocket a month can go towards the loans. Do you have to pay $20 for the gym? While that is quite reasonable, there are gyms out there for $10 a month. Or, it's summer. Cancel te...
by englishgirl
Wed Jun 07, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 2377

Re: Thoughts on emergency account amount.

My minimum is three months of normal expenses, which probably equates to six months of "if I lost my job and was economizing" bare bones expenses. In practice, I have quite a lot more than that, and can probably go at least a year of bare bones expenses.
by englishgirl
Wed May 17, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 2784

Re: Window tint (film) on house windows?

We did it ourselves on the southern-facing windows in our house with some cheap film I got from Amazon. It made a big difference to how comfortable our living room is when the sun is shining! I don't know how much it reduced AC bills because we did it quickly on moving in once we realized how hot is...
by englishgirl
Thu May 11, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Afford to Move-In
Replies: 28
Views: 2736

Re: Can We Afford to Move-In

Your 401k should be coming out pre-tax. If your partner does not have a retirement plan through work, then they should be saving pre-tax in a traditional IRA (there are no income limits on a traditional deductible IRA for a single person having no retirement plan through work). Cut the car savings a...
by englishgirl
Thu May 11, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 1796

Re: Roth IRA: Income Limit Question

In your situation, given that you have already contributed to your Roth IRA for this year, you would not withdraw the excess contribution. After you've figured out your taxes for the year, you would recharacterize whatever was excess as a traditional, non-deductible IRA. Vanguard can handle this for...
by englishgirl
Wed May 10, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 4228

Re: Young professional planning for early semi-retirement

As someone who is trying to do this, I would say that your "third source" of money should either be a fat emergency fund, or just a taxable account. Ideally you would get your expenses low enough so that your part time work would fully cover your living expenses so you can "coast"...
by englishgirl
Mon May 08, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: How to Max 401(k) with Variable Income?
Replies: 7
Views: 438

Re: How to Max 401(k) with Variable Income?

I have a somewhat similar problem, although I pretty much never make bonuses. But my W2 income varies depending on hours worked, which varies depending on projects coming in, other stuff I have going on, etc. And I can only contribute a whole percentage amount. I look at my last few years of income ...
by englishgirl
Tue May 02, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 53
Views: 3641

Re: HOA vs No-HOA

We have moved from non-HOA to HOA recently. One thing I have noticed is that my home value on Zillow used to jump around tremendously, as there were big differences in valuation between houses, so my Zillow estimate varied greatly depending on whether "good" or "bad" houses were ...
by englishgirl
Mon May 01, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Recs for moisturizer w sunscreen please.
Replies: 15
Views: 1486

Re: Recs for moisturizer w sunscreen please.

Go onto Ratzilla and purchase one with a PPD rating of ++++ or better. Asian sunscreens are better than American sunscreens. European sunscreens even better. There is some debate about the need to expose your body to the sun, but our face is a different story. Read up on Tinosorb. PS - When I say b...
by englishgirl
Thu Apr 27, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: "I don't want to wait till I'm 59.5
Replies: 28
Views: 4530

Re: "I don't want to wait till I'm 59.5

This person may not wait to 59.5 to collect the first dollar. But they will definitely want to keep taking money out of their accounts past the age of 59.5. Personally, I'm planning on living to at least 90. :D So, I need to save money to live off from age 59.5 to 90. And, it's more important that I...
by englishgirl
Tue Apr 25, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?
Replies: 13
Views: 1323

Re: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?

...snip.... or finally select the old standby of this group, Quicken and hope their acquisition of Mint will help them update to a cloud based offering? Thanks everyone! Quicken has not acquired Mint as far as I know. Intuit acquired both Quicken and Mint, but, Intuit plans to sell (or has sold) Qu...
by englishgirl
Mon Apr 24, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Major appliances - when would you buy/upgrade?
Replies: 20
Views: 1060

Re: Major appliances - when would you buy/upgrade?

For major appliances, my first option is husband + youtube, which fixes many things but occasionally leaves me fearful for his life. After that, we call out a repair person. If the repair person estimates a very high price to get the thing going again, then we'll buy a new one. If the appliance can ...
by englishgirl
Mon Apr 24, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 4863

Re: Looking For Advice - Move NY -> Tampa?

You need to know that you can handle the heat and humidity from May through October every year. I know a bunch of people who tried and came back. I personally hate a hot, humid climate. This was my biggest concern moving to Florida from somewhere colder. For the first year or two, I basically viewe...
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: 2802

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: 2222

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: 1986

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: 716

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: 49
Views: 5284

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: 828

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: 2355

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: 861

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: 1683

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: 729

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: 20065

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: 4529

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: 16758

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: 1051

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: 3817

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: 2330

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: 1089

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: 1388

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: 1349

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: 4513

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: 5358

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: 4187

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: 2468

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: 1767

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: 7769

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: 9775

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: 1994

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: 3127

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: 2068

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: 1036

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: 26792

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: 1455

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...

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