Search found 2433 matches

by englishgirl
Tue Aug 15, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 27y/o w/ 150k debt buying 685k house
Replies: 40
Views: 3750

Re: 27y/o w/ 150k debt buying 685k house

This could be a savvy move. Maybe not. Maybe even probably not. But if he's lining up people to rent rooms to cover the mortgage, why not qualify for a big mortgage when you have the salary to be approved? And if his/her student loans are at a decent interest rate, it may not make sense to aggressiv...
by englishgirl
Tue Aug 15, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4353

Re: Best Housing To Avoid Noise

Avoiding noise was one of our big requirements when looking for our current house. Single family/detached home was a given for us, as we've done apartments and townhomes and you can definitely hear through the attached walls. We ended up going with a home in a gated neighborhood (yes, restrictive ru...
by englishgirl
Wed Aug 09, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2419

Re: How do you manage cash back rewards?

Personal cards - save it up and use it against vacation spending once a year. I feel like it helps defray the cost of a nice meal or a seat upgrade on the flight or something we wouldn't normally spend money on.
Business card - I cash out every month.
by englishgirl
Wed Aug 02, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 5913

Re: What are your monthly expenses?

I don't understand how yall spend so little on food? I mean with the exception of dates I go on, I cook my food the majority of the time.... My groceries are 400 ish for just me, and then dinner dates ect another 300 (so assume 150 for my portion of eating). Some of you must live off pb&j ? I l...
by englishgirl
Tue Aug 01, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 5913

Re: What are your monthly expenses?

According to mint, in the last 12 months, my average monthly expenses were: Home: $980 (includes some moving/renovating expenses so should be lower going forward) Property Tax: $270 Utilities: $100 Groceries: $400 Eating out: $175 Travel/vacation: $430 (we alternate years with an expensive vacation ...
by englishgirl
Tue Jul 25, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: BASE INVESTMENT or What Your Ruler
Replies: 14
Views: 822

Re: BASE INVESTMENT or What Your Ruler

I don't compare. My portfolio aims to be about 60:40, so my base comparison would be Vanguard Balanced Index, or Lifestrategy Moderate Growth funds. Some level of fees are unavoidable, so why compare to a plain index when you can compare to a very similar low cost fund? But as Vanguard Balanced Inde...
by englishgirl
Sat Jul 15, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 22
Views: 2856

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: 1676

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: 3471

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: 1669

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: 1019

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: 4148

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: 2481

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: 2961

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: 2817

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: 1878

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: 4292

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: 487

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: 3810

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: 1565

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: 4584

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. So, I need to save money to live off from age 59.5 to 90. And, it's more important that I do...
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: 1383

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: 1074

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: 4945

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: 2842

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: 2239

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: 2027

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: 723

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: 5346

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: 850

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. m Yup. No need for merchant services account or to pay for fancy dedicated ter...
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: 2428

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: 913

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: 1726

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: 767

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: 20464

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: 4679

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: 188
Views: 19638

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 my 4...
by englishgirl
Tue Mar 07, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 1109

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: 3927

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: 2367

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: 1152

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: 1431

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: 1398

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: 4665

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: 5751

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: 55
Views: 5424

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: 2523

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: 1808

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: 8530

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: 10026

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday, Taylor!