Search found 2003 matches

by travellight
Sun Aug 23, 2015 12:04 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 519
Views: 74790

Re: What are you up YTD? [Year To Date]

Total portfolio is up 6.6% ytd. I decided two years ago to not buy any more bond funds but didn't sell what I had. I have a fair amount of real estate in the portfolio as well.
by travellight
Sat Aug 22, 2015 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 51
Views: 14867

Re: Enough is enough

Dulocracy, your love for your wife is its own reward and worth far more than money. I envy you.
by travellight
Sat Aug 22, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 47
Views: 3219

Re: Visiting New York City this weekend. What pizza should I try?

Count on bogleheads to give the most in depth information on NYC pizza I have ever read.
by travellight
Sat Aug 15, 2015 12:53 am
Forum: Investing - Help with Personal Investments
Topic: College savings
Replies: 40
Views: 2126

Re: College savings

I didn't save at all for my son's college expenses and he is leaving in less than 2 weeks and it costs over 69K per year, before books. There is no financial aid so I have to pay all of it. I had decided to invest in real estate instead of funding a 529 plan and luckily for me, it paid off. The prop...
by travellight
Wed Aug 12, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I stopped by a Verizon store yesterday and was told I could get two phones (I have two lines eligible for an upgrade) for $280 net on the Edge payment plan that would only raise my monthly bill by $2/month. Seemed too good to be true so I tried it out online and the cost would have been a huge bump ...
by travellight
Wed Aug 12, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Johns Hopkins and Baltimore
Replies: 11
Views: 1857

Re: Johns Hopkins and Baltimore

the restaurant at the museum is also quite good, and lovely. Your niece may get a discount there.

Mount Vernon in the center of town is nice to stroll around. I hear the Afghani restaurant there is very good.
by travellight
Sun Aug 09, 2015 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: I think i've won ?
Replies: 34
Views: 5764

Re: I think i've won ?

I like your back of the envelope calculations, witty. I prefer a conservative analysis leaving favorable margin for error.
by travellight
Sun Aug 09, 2015 4:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5147

Re: Congrats to Laura Dogu

Congratulations, Laura! Laura was the first person to respond to my first post as a neophyte here and I will always be grateful for her kindness.
by travellight
Sun Aug 09, 2015 4:28 pm
Forum: Investing - Theory, News & General
Topic: So do the uber wealthy invest money the same way we do?
Replies: 95
Views: 9349

Re: So do the uber wealthy invest money the same way we do?

I have met one just as a passing acquaintance through my son's school. She had hosted a party at her house that I attended. She is worth over 3 billion. I have no idea how she manages her money.
by travellight
Sun Aug 09, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 118
Views: 6775

Re: College Admission Time, What parents need to be aware and how to be helpful

I also think the essay is very important. It is a chance for your kid's unique voice to try and stand out from the sea of superlative applicants.
by travellight
Sun Aug 09, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Thanks also, spiritrider. I think with multiple lines, moderate user of data, and an employer discount, the two year plan is likely less by about $40 net. I am also concerned about leaving the two year method because then one loses the "grandfathered in" status. That happened to me last De...
by travellight
Sun Aug 09, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

thanks mudpuppy. I think I fall in the first category. I read that this new system is for new customers only and current customers are grandfathered in to have the two year contract pricing still be available. Can anyone confirm?
by travellight
Sun Aug 09, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: So do the uber wealthy invest money the same way we do?
Replies: 95
Views: 9349

Re: So do the uber wealthy invest money the same way we do?

"Most superwealthy do not have free cash. At all. Zuck sold shares in the IPO to cover taxes. So he did not have that money. He had to sell $2B worth of FB shares to cover federal and california taxes." This surprises me. I would think the uber wealthy should also have 6 months EF just lik...
by travellight
Sun Aug 09, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: So do the uber wealthy invest money the same way we do?
Replies: 95
Views: 9349

Re: So do the uber wealthy invest money the same way we do?

[quote]Most superwealthy do not have free cash. At all. Zuck sold shares in the IPO to cover taxes. So he did not have that money. He had to sell $2B worth of FB shares to cover federal and california taxes./quote] This surprises me... seems like they should also have a 6 month EF in liquid assets w...
by travellight
Sun Aug 09, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

So, is the two year upgrade a better deal than the new monthly pricing method? Should I upgrade next week rather than later?
by travellight
Thu Jul 09, 2015 11:00 pm
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2375

Re: Visiting New York in early November

I enjoyed the North end grill in Battery park. Also love the monstrous food at Carnegie deli.
by travellight
Sun Apr 19, 2015 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: What should I invest in? Rental property or stocks?
Replies: 6
Views: 802

Re: What should I invest in? Rental property or stocks?

I like rental properties but my threshold for buying is if rent covers a 15 year mortgage.
by travellight
Tue Mar 31, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2680

Re: Child's prenup

^ wow, interesting perspective on the scapegoat concept, dulocracy.
by travellight
Mon Mar 23, 2015 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Rental properties
Replies: 25
Views: 3339

Re: Rental properties

[quote]Is it easy? No. Is it worth it? Yes./quote]

Yup, this ^ by zoombrowser.
by travellight
Sun Mar 22, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Calling all concrete experts (replacing old driveway)
Replies: 15
Views: 1954

Re: Calling all concrete experts (replacing old driveway)

Great detailed info, TP81! Thanks.
by travellight
Sat Mar 21, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1042
Views: 172000

Re: What Movie Have You Recently Watched?

I love the background stories on The Usual Suspects, Petrocelli! .... especially the Keyser Soze part.

I watched Nightcrawler last night; loved it. Jake Gyllenhaal's most memorable role.

I also enjoyed Gone girl.
by travellight
Mon Mar 09, 2015 11:57 pm
Forum: Personal Consumer Issues
Topic: College readiness
Replies: 27
Views: 2141

Re: College readiness

That is a great list, 3295! did you come up with those on your own?
by travellight
Mon Mar 09, 2015 11:50 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads with Rental Income
Replies: 32
Views: 3077

Re: Bogleheads with Rental Income

It is not a lot of work for me, but it can be a lot of stress. I have 6 single family homes I manage and it can provide a tidy income. My mortgages will be paid off in 5 years and then the income will be about 130k net per year. I agree with what ladfer said above.
by travellight
Sat Mar 07, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 13626

Re: What is your favorite consumer product?

my 13 inch mac air.
by travellight
Tue Mar 03, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 54266

Re: If your networth is over $3 million, how did you do it?

Reading these highlights how I have managed to do a number of the wrong things... Got divorced and paying for it, bought a McMansion AND a second home, and I like nice cars. I am lucky I made it despite these bad habits.
by travellight
Wed Feb 25, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 206
Views: 14132

Re: Credit Card Rewards (Travel)

I Have had a couple of cards short me on the rewards because I had had one of their cards within the past two years. I Have also been turned down for a couple of cards and my credit score is 760. I Think they are trying to combat churning.
by travellight
Sun Feb 22, 2015 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 10697

Re: What % of your gross income do you spend on mortgage/ren

I Think I am still in the lead at 37.5%. I don't know if that is a brag or an anti-brag.
by travellight
Sun Feb 22, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 20
Views: 2905

Re: What to do when smart phone stolen

It's good to know I can wipe all the content remotely if it is stolen.
by travellight
Sat Feb 21, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 6958

Re: Prom budget for teenage girl?

Speaking for the other sex, I just spent $800 on my sons prom attire, a tux with patent leather shoes. I consider it an investment because he can wear it for years. I will drive him there and back, no limo, and he is probably going solo and just hang out with friends.
by travellight
Sat Feb 21, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2939

Re: Maintenance free landscaping a front yard

Lantanas are a great suggestion. My neighbor has them in bulk and they look fantastic. His are yellow.
by travellight
Fri Feb 20, 2015 11:49 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2939

Re: Maintenance free landscaping a front yard

Thanks for the advice!
by travellight
Fri Feb 20, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2939

Re: Maintenance free landscaping a front yard

Thanks, I don't want to do the work myself so I will find someone to do it.
by travellight
Fri Feb 20, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2939

Re: Maintenance free landscaping a front yard

Thanks for the info, Benny. Do you have favorite plants that look great and thrive? I'm In San diego. I'm Replacing a 2000 sq ft flat rectangular lawn and my budget is 4000$, any ideas or suggestions?
by travellight
Fri Feb 20, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Maintenance free landscaping a front yard
Replies: 37
Views: 2939

Re: Maintenance free landscaping a front yard

I am planning also to remove my lawn and xeriscape, about 2000 sq ft area.
by travellight
Fri Feb 20, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Doing Taxes on Real Estate in Multiple States
Replies: 6
Views: 332

Re: Doing Taxes on Real Estate in Multiple States

My accountant does my taxes in another state.
by travellight
Mon Feb 16, 2015 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best company to open a credit card with?
Replies: 22
Views: 19888

Re: What is the best company to open a credit card with?

Chase has had the best rewards for me.

I am avoiding Amex since they didn't give me a bonus after I completed the required spending.
by travellight
Sat Feb 14, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Hacked (at outraged) at Verizon
Replies: 25
Views: 3600

Re: Hacked (at outraged) at Verizon

I had this problem as well. Verizon was just awful. I would switch if I knew of a better carrier but had a bad experience with Sprint as well.
by travellight
Sat Feb 14, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 8047

Re: Tenants won't let us show the rental: what do we do?

This won't help you now but I wrote into the lease agreement that they are to allow one day per week for showing or a penalty of $150 will be withheld from security deposit.

I would just give them a $25 rent discount per showing event. Try to fit in as many people as you can per showing.
by travellight
Sat Feb 14, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 7532

Re: Where to buy nice men's dress shirts?

We recently found a place that measures you and then has it made in Shanghai and it is sent to you 2-3 weeks later. Indochino:http://www.thefineyounggentleman.com/suits/indochino-custom-suit-review/

We didn't end up ordering from them but it is interesting to know about the options.
by travellight
Wed Feb 11, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 7671

Re: College savings costs / number

mathwizard: Full ride is supposed to mean tuition, room and board. Not books though. Full tuition is just full tuition. Can be confusing nomenclature like nonstop versus direct flights. Full ride is definitely better than full tuition. I suspect neither are in my future... Sigh.
by travellight
Wed Feb 11, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 7671

Re: College savings costs / number

It is a choice to spend that much money. My son got accepted to a good out of state school he could go to for free, full ride, due to being a National merit finalist but there are few things I would rather spend my money on than a fantastic top level undergraduate experience for him.
by travellight
Wed Feb 11, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6525

Re: What to buy sweetie for Valentine's Day

Great to hear! I Suspect she mostly loves the thoughtfulness and effort you put into this.
by travellight
Wed Feb 11, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: 2-3 Extra Days in San Diego next week
Replies: 20
Views: 1469

Re: 2-3 Extra Days in San Diego next week

I would visit all the lovely villages that comprise the area: Coronado, ocean beach, pb Boardwalk, la jolla, del mar, solana beach, Cardiff, Encinitas, leucaria, Carlsbad. They each have their own personality. There is also Hillcrest, little Italy and the gas lamp downtown. The beach hike at Torrey ...
by travellight
Wed Feb 11, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 7671

Re: College savings costs / number

My son is a senior and I am probably looking at 60k+ for the next 4 years and I have saved nothing. I will have to pay out of current income.
by travellight
Sun Feb 08, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 4508

Re: This CPA is advocating snail-mail over e-file for taxes

I also had a problem with e-pay last month. I paid my state taxes electronically being very careful to follow the instructions and only clicked once. When they took the payment electronically, they took it twice. It was $9000 and a tough hit to have it doubled. I called them and they at first said t...
by travellight
Fri Feb 06, 2015 2:17 am
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6525

Re: What to buy sweetie for Valentine's Day

another female chiming in yes on the massage. The best gift I can remember was from a girlfriend who got me a $400 gift certificate to the La Costa spa. I was bowled over. It took me years to indulge in it but it lingered for those years as an amazing gift. Flowers are lovely but I am a bit too prac...
by travellight
Fri Feb 06, 2015 2:00 am
Forum: Personal Consumer Issues
Topic: Pull permits for a minor remodel?
Replies: 35
Views: 3435

Re: Pull permits for a minor remodel?

I would not pull permit for such a minor job and invite inspectors in. risk outweigh benefits imo.
by travellight
Wed Feb 04, 2015 7:22 pm
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 55
Views: 4348

Re: A true Boglehead!

I just read that somewhere and thought the same thing!

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