Search found 2488 matches

by englishgirl
Wed Apr 14, 2021 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Zelle/Venmo/Cashapp?
Replies: 44
Views: 3858

Re: Zelle/Venmo/Cashapp?

I hate Zelle, at least the way my bank does it. I have to identify the recipient by phone number or email address and then money goes into a black hole that may or may not appear with the recipient. Whenever I transfer money to my husband it's always a mess. He initially had trouble setting his acco...
by englishgirl
Tue Apr 13, 2021 5:21 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 104
Views: 8106

Re: Multiple years of expenses in cash when starting retirement

My cash cushion has grown over the years, and I will be looking to reduce it somewhat closer to retirement. I am self employed, and therefore don't have sick or vacation pay, so my emergency fund/cash stash grew so I could pay myself some sick pay and take a vacation without worrying. Or to cover ti...
by englishgirl
Wed Mar 31, 2021 3:54 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 134
Views: 10565

Re: How to make strong coffee equivalent to Starbucks for cheaper?

If anyone's an Aldi shopper, the Fair Trade single origin coffee they sell under the Barissimo "brand" is great (according to my simple tastes). I always get the Colombian one. It helped me kick the Starbucks habit.
by englishgirl
Tue Mar 30, 2021 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to prove PPP Loan used for payroll? Sole Proprietor
Replies: 28
Views: 1807

Re: How to prove PPP Loan used for payroll? Sole Proprietor

... 2. Your wife should write a check on the business account to herself weekly or monthly for, at most, a pro rata amount on the loan (e.g., if monthly, 2/5th of the loan). Write "owner compensation" on the check. ... Checks? Who writes checks these days? I do have separate business and ...
by englishgirl
Sat Mar 20, 2021 10:00 pm
Forum: Personal Consumer Issues
Topic: Live on a lake in Florida?
Replies: 40
Views: 5405

Re: Live on a lake in Florida?

We live on a "lake" although it looks more like a river as it snakes through the community. The reason there are so many of them is for water control as they're mostly retention ponds. At this time of the year the water level is very low but once the rainy season starts it'll fill up in ab...
by englishgirl
Sat Feb 06, 2021 10:23 am
Forum: Personal Consumer Issues
Topic: COVID habits you will keep...?
Replies: 95
Views: 3898

Re: COVID habits you will keep...?

I hope to continue working out at home. I feel like I've got a good routine going, between outside walks or bike rides, yoga from YouTube and kettlebell exercises. I may go back to yoga classes every now and then just for the community aspect, but I won't be going as often (read: spending as much mo...
by englishgirl
Sun Jan 03, 2021 7:54 pm
Forum: Personal Investments
Topic: [Roth IRA, SEP IRA - portfolio help requested]
Replies: 21
Views: 751

Re: [Roth IRA, SEP IRA - portfolio help requested]

I don't really understand why you want to contribute as much as possible to a Roth. You're at a relatively low income - do you expect to be in a much higher income in retirement so that paying the tax now vs later will be a big deal? Or do you want to avoid RMDs or something else? Can you afford to ...
by englishgirl
Thu Dec 31, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: bogleheads on Reddit
Replies: 62
Views: 8515

Re: bogleheads on Reddit

I spend way too much of my time on Reddit. But I hadn't even come across a Bogleheads subreddit before. Typically I am on /r/financialindependence if I want a finance-focused sub. But I suppose I should check out the Bogleheads there.
by englishgirl
Wed Dec 30, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 222
Views: 16889

Re: So what kind of raise did you guys get for 2021?

Spouse got a 1.5% "adjustment" due to changes in the state's minimum wage. He is not on minimum wage, but I guess the company shuffles everyone on the lower end of the scale so that they all still have the same gap between them. Their raises are usually calculated in July but they didn't g...
by englishgirl
Mon Dec 28, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Attn: All Floridians & Arizonans! [Where to Retire in FL/AZ]
Replies: 73
Views: 6227

Re: Attn: All Floridians & Arizonans! [Where to Retire in FL/AZ]

I guess I'm so used to the humidity in FL that I can't bear to be anywhere dry now. My skin feels like it is cracking when I'm somewhere without humidity. I mean, sure, there are body lotions but there's always that spot in the middle of your back that is hard to reach. OP: this is not a decision yo...
by englishgirl
Tue Dec 08, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What should a 23 year old consider before purchasing a Tesla?
Replies: 264
Views: 13548

Re: What should a 23 year old consider before purchasing a Tesla?

I have one and I love it. The insurance rates are sky high though because it is an unknown. My rates feel like they are insuring me as a 23-year old male who likes driving dangerously when I am actually a middle aged woman who drives like a grandma. I dread to think what you would be charged as an a...
by englishgirl
Tue Dec 01, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: What are you getting your s/o for the holidays?
Replies: 123
Views: 9270

Re: What are you getting your s/o for the holidays?

The plan is a book and pajamas. The book I should manage, the pajamas, well, that involves wandering around a bunch of stores trying to meet his exact requirements so it may not happen.
by englishgirl
Sun Oct 18, 2020 5:41 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 326
Views: 30409

Re: Anybody here trying Coast FIRE?

I am coast FIRE. I downshifted to a much lower stress job. I did it part time from age 44 to build up a client base, then went full time by quitting the well paid but stressful job at 49. My plan was to work kind of part time just covering my expenses but letting my retirement savings grow until ret...
by englishgirl
Tue Oct 13, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: IPhone SE has been around a little while now, so what's the verdict?
Replies: 46
Views: 3867

Re: IPhone SE has been around a little while now, so what's the verdict?

I upgraded from the SE1 to the SE2020 on the day it was released this spring. It's been awesome so far, although I have some bluetooth connection issues with two things (my Fitbit and my car). However, it is fast and reliable at connecting to running credit cards through a wireless Square reader whi...
by englishgirl
Wed Jul 15, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Which household items have made your life easier/more convenient/happier?
Replies: 82
Views: 6928

Re: Which household items have made your life easier/more convenient/happier?

Whatever you think is going to make the biggest difference in your new home is what you should look for. When we were searching for our current home, my big thing was the master bathroom - I wanted double sinks and a separate shower and bathtub in the master bath. So I didn't have to share a sink wi...
by englishgirl
Tue Apr 21, 2020 4:25 pm
Forum: Investing - Theory, News & General
Topic: Are you comfortable with your emergency fund arrangements?
Replies: 44
Views: 3735

Re: Are you comfortable with your emergency fund arrangements?

I have a very well stocked emergency fund, so that's fine. I think my planning was OK. I have some in cash in a HY savings account and some in savings bonds. What I didn't expect was the emotional ups and downs of having financial aid dangled in front of me. I'm self employed so when I was first con...
by englishgirl
Thu Apr 02, 2020 5:39 pm
Forum: Investing - Theory, News & General
Topic: Buying I-bonds now for EF but able to redeem within 1st year?
Replies: 10
Views: 934

Re: Buying I-bonds now for EF but able to redeem within 1st year?

If you are furloughed, you would be able to apply for pandemic unemployment assistance. So that might lessen the need to redeem I bonds. My personal view is always that if I am in doubt, I will do half of what I was originally planning. Thus, if you were going to transfer a year's worth of EF to I b...
by englishgirl
Wed Apr 01, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How to "show" payroll as sole proprietor
Replies: 9
Views: 891

Re: How to "show" payroll as sole proprietor

You will need to enter the 1099 if you're filing taxes, the same way you'd enter a W2. So, that's your income right there.
by englishgirl
Tue Mar 24, 2020 12:33 pm
Forum: Personal Investments
Topic: Has anyone hit pause on their 401k or monthly IRA contributions?
Replies: 32
Views: 1770

Re: Has anyone hit pause on their 401k or monthly IRA contributions?

I have a SEP-IRA that I normally contribute 10% of profits to every month, and then bump it up prior to tax filing season to 15-20%. [The rule is that self employed people can contribute up to 20% of profit.] I am not quite sure what to do about March's contribution (that I would normally make at th...
by englishgirl
Fri Jan 24, 2020 9:54 pm
Forum: Personal Investments
Topic: SEP IRA - Advice on Providers & Investing?
Replies: 10
Views: 552

Re: SEP IRA - Advice on Providers & Investing?

I have a SEP IRA with Vanguard. I like it just fine but honestly didn't compare to other brokers or anything, as I already had my Roth IRA with Vanguard. I rolled my 401k into it when I finally quit my old day job, so I'm not sure why someone would say the Vanguard SEP IRA doesn't allow rollovers. I...
by englishgirl
Tue Jan 15, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 20095

Re: Are You Dumping Netflix?

It depends what use you make of it. I finally signed up for Netflix a few months ago after resisting it for so long. It is more than worth my $8 a month, which I guess will now be $9 a month. So, no, I won't be dumping them. After many years of streaming I can't seem to get back to watching programm...
by englishgirl
Fri Jan 11, 2019 2:10 pm
Forum: Personal Investments
Topic: What financial instution do you use for cash?
Replies: 14
Views: 1300

Re: What financial instution do you use for cash?

My thoughts are: you clearly know more than me, and all that information about 72t withdrawals is intimidating. So, yeah. But, given that I like simplicity as well, I'll take a crack at this. I use Capital One. I have some money in their 360 money market fund (minimum $10k) which is currently earnin...
by englishgirl
Fri Jan 04, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9670

Re: Your ideal home size

1000-1400 sq feet ish with a garage in addition. We (a couple, no kids) ideally would like a 2-bedroom 2-bathroom home. We currently have a 1672 sq ft 3-bedroom 2-bathroom with a double garage so one room is wasted and is basically the cats' playroom. We don't have a basement and don't need one. But...
by englishgirl
Wed Jul 11, 2018 7:43 pm
Forum: Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 8456

Re: [Considering the Vanguard LifeStrategy Fund]

There's nothing wrong with having your money in a single Lifestrategy fund that suits your desired asset allocation. There is no need to complicate things further. I have my IRAs 100% in Lifestrategy Moderate Growth. I am seriously considering rolling my old 401k into Lifestrategy Moderate Growth sh...
by englishgirl
Wed Jul 11, 2018 7:37 pm
Forum: Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 41
Views: 6112

Re: Self Employed 48years old and nothing saved for retirement

In addition to a Roth IRA, you can be saving in an employment-based account. Instead of a company 401k, you have the option of opening an individual 401k, a SIMPLE IRA or a SEP-IRA. Which one is best for you depends on a number of factors, including how much money you are making and how you are orga...
by englishgirl
Tue Jun 19, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 23508

Re: New Capital One 360 ACH limits

So nobody knows what the per-transaction limit is? Did you try what I suggested above (repeated here)? On their website, I clicked on TRANSFER. When the TRANSFER screen comes up, it states an amount that is available for the transfer. For example, at this time, I have about $10,000 in checking and ...
by englishgirl
Tue Jun 19, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 23508

Re: New Capital One 360 ACH limits

So nobody knows what the per-transaction limit is? And it seems like they haven't really set one but will vary it depending on the day? I don't like the thought of that. I'd rather know. However, I don't think a million a day limit is going to put a crimp in my style any time soon. I did run up agai...
by englishgirl
Thu May 31, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 7841

Re: Instant pot pressure cooker

Maybe I'm the only one that doesn't like it? We received one as a wedding gift. It was NOT on the registry, but the person who gave it to us decided that we would like it. They also got a large one and there are just two of us, so it is not the perfect size for us. We eat mostly vegetarian + fish, s...
by englishgirl
Tue May 22, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 9346

Re: Florida Living

West Palm Beach is not a bad option considering what you are looking for.
by englishgirl
Thu Mar 22, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Living in Jupiter FL?
Replies: 9
Views: 1966

Re: Living in Jupiter FL?

I lived there for a while, and still live in the same county. It is a nice place, yes, the housing costs a bit more, but you also have decent schools and supposedly nicer neighbors. But paying $1k a month property tax for a modest house seems crazy. Perhaps our idea of modest houses are not the same...
by englishgirl
Fri Mar 16, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: What are the jobs with the best medical insurance?
Replies: 51
Views: 4939

Re: What are the jobs with the best medical insurance?

We have medical insurance through one of the large medical laboratory testing companies. Good benefits and free lab tests (as long as you are not getting a test done at the competition). They also throw in a free physical every year. The con is that they offer "discounts" based on the resu...
by englishgirl
Fri Feb 23, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 94
Views: 10061

Re: How Do People Without Computer Access Prepare and File Their Taxes?

If you have a smart phone, you can do it on there. I just searched, and Turbo Tax has an app. I would use that if I didn't have a laptop. My laptop, incidentally, is a Chromebook that cost me $220 a bit over 3 years ago and is still going strong, so it's not as if you HAVE to buy an expensive comput...
by englishgirl
Tue Jan 09, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 5994

Re: Forgot to make my $5500 contribution for 2018

I have never had the spare change lying around to be able to make my Roth IRA contribution all in one go on January 2nd, and this year is no exception. How long do you plan to have the money invested for? Over a 40 or 50 year time period, those few extra days will not make much difference,
by englishgirl
Wed Dec 06, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?
Replies: 47
Views: 5306

Re: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?

If he's not making a profit consistently, then doesn't he risk the IRS regarding his business as a "hobby" and then he would not be able to deduct any losses beyond the business/hobby income. See: https://www.irs.gov/newsroom/is-your-hobby-a-for-profit-endeavor His thinking is messed up. I...
by englishgirl
Wed Nov 08, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 39007

Re: How old are you and how much do you save for retirement a year

Alright, coming in to represent the lower end... Nearly 50. This year between 401k and SEP-IRA I am going to manage about $13k, plus $5500 into Roth IRA. My spouse has saved $5500 into Roth IRA and $0 into 401k. Between us we got maybe $2350 from our employers into our 401k's as well. Next year, I'l...
by englishgirl
Mon Nov 06, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 3014

Re: Budgeting with significant other

We have totally separate accounts and are married. We separately cover some expenses, as in I handle some bills and he handles others. We then alternate groceries and other day-to-day spending. I'd like to at least have a joint account for things like groceries, but he hasn't wanted to give up contr...
by englishgirl
Mon Oct 30, 2017 11:47 am
Forum: US Chapters
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 147
Views: 16840

Re: To Avatar or not to Avatar . . how did you choose or not choose?

Avatars are just easier to see and remember when you are skimming through a long post. It is easier to spot regular posters - there may or may not be certain times when I might just skim down and read what certain people have posted without necessarily digesting what everyone else has said. Similarl...
by englishgirl
Wed Oct 18, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 3358

Re: Data Use on Smartphones

Remember that to use cellular data, you would have to be doing your checking of email, etc, when not located somewhere with wifi. There are many days when I don't use any of my data plan data, despite heavy smartphone usage, because most of my usual locations (work, home, various cafes, supermarkets...
by englishgirl
Sun Oct 15, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 11329

Re: What are you driving? And would you buy your current ride again?

2010 Toyota Prius. I am not planning on rebuying just because the current Prius is so darn ugly. This car WAS a repurchase, of my 2001 Toyota Prius, and I would totally buy a Prius again if the design was radically changed. But alas, I just can't bring myself to do it with the current iteration. Yes...
by englishgirl
Tue Oct 10, 2017 10:13 am
Forum: Personal Investments
Topic: sep IRA with 401k, Roth and HSA
Replies: 11
Views: 1057

Re: sep IRA with 401k, Roth and HSA

A SEP IRA allows you to contribute 20% of your net business profits minus 1/2 of the self-employment tax. You'll be limited to less than 2k contributions on the 10k of your Uber earnings. I that relatively small reduction in taxable income important to you? What is the bogleheads recommendation aft...
by englishgirl
Mon Oct 09, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 3076

Re: Mint - Issues with showing my account details

I've been using Mint for about 2 years now and in the beginning it was a little goofy, but the last year it's been good. That is up until about 3 days ago when all my stuff from Vanguard went haywire. For some reason it is duplicating all my Vanguard accounts. I'm hoping they get this straightened ...
by englishgirl
Mon Oct 09, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 10577

Re: Do you want your receipt?

Wow, I'm really surprised at how many of you get receipts. No, I do not want the darn receipt for most things. Gas, lunch, small purchases, no thank you. It will appear in mint which I check pretty much every day. If it's a big purchase, or something that might have a warranty or that I might want t...
by englishgirl
Fri Oct 06, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 8600

Re: Anyone go 100% Ally or another online bank for all banking needs?

I am basically 100% online (well, my HSA is with a local credit union so I guess I could technically go into a branch to transact with them, but I don't). I have run into a few minor issues but nothing insurmountable. First, when buying a house last year we ended up with a month between closing the ...
by englishgirl
Sat Sep 23, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 75
Views: 9696

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

We did not have the spare cash lying around to replace the roof if needed, or to completely rebuild. So we kept insurance. But I found a lower cost plan specifically for people without mortgages that is a "named perils" coverage and excludes certain things like theft. So that might be some...
by englishgirl
Fri Sep 22, 2017 12:07 pm
Forum: Personal Investments
Topic: 1099 employees how do you mentally handle taking time off?
Replies: 25
Views: 2211

Re: 1099 employees how do you mentally handle taking time off?

I think it gets easier over time. But remember, not only do you have to account for vacation time, there are holidays and sick/unexpected days off too. I just had nearly a week with no income due to Hurricane Irma which was not much fun but also a good reminder to always build a savings cushion AND ...
by englishgirl
Fri Sep 22, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying/Selling Home at Same Time
Replies: 8
Views: 989

Re: Buying/Selling Home at Same Time

Are you in agreement for what type of house you want to buy, and in what neighborhood? Are you looking online and do you have an idea of how frequently desirable houses come on the market? When we bought our current house we were not totally on the same page regarding what house to buy and really de...
by englishgirl
Tue Sep 19, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 1674

Re: Finding contractor for small-ish, hourly job (deck carpentry)

I've used Thumbtack successfully to find people for jobs around the house. I am not sure if it is busy/good in all areas, but the last project I put on there was for a handyman. You select the type of service you want, provide details of the job, and then local service people can send you back their...
by englishgirl
Tue Sep 19, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 35152

Re: Calling out the not so rich bogleheads

I am not a millionaire. Yet. :D

I've been a Boglehead since 2002. Never yet managed to max out my 401k. And yet I've never been intimidated about posting. Maybe it's because I know that I am rich, and very fortunate, compared to so many. Or I'm just pushy, not sure which.
by englishgirl
Sun Sep 17, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: After Irma in need of............
Replies: 25
Views: 2936

Re: After Irma in need of............

The radio is probably the least useful function of that Eton, so it is probably worthwhile. I am curious how people who just went through Harvey, Irma used their radios. And how did/do the people of devastated islands like Virgin Gorda, Barbuda, St. Martin, and many others use their radios? Thanks!...
by englishgirl
Wed Sep 13, 2017 4:50 pm
Forum: Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 6321

Re: How often do you put money in Vanguard

This year, once every 2 weeks on payday at job #1 for my Roth IRA, and once a month during profitable months for my SEP-IRA at job #2. Next year, who knows?