Search found 1861 matches

Return to advanced search

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Don't you get charged a 2% fee for paying tuition with a credit card, livesoft? So the math works out neutral? It is not clear to me what the benefit is.
by travellight
Tue Sep 09, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10482

Re: I have 1M in Vanguard. Start Diversifying to Real Estate

abuss- I get 6.7-8.9% cap rates with my 6 direct rentals, all SFRs.
by travellight
Mon Sep 01, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: I have 1M in Vanguard. Start Diversifying to Real Estate?
Replies: 41
Views: 5770

Re: Ideas for thanking a doctor

The last time my mother had surgery (just a laparoscopic cholecystectomy), I gave the doctor a card with a restaurant gift card.
by travellight
Sat Aug 30, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4637

Re: Does your employer still offer pensions to new hires?

My company does offer pensions still for new hires. It is very attractive and allows us to hire the best candidates.
by travellight
Sat Aug 30, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3822

Re: What Movie Have You Currently Watched?

Just watched Moonrise Kingdom last night and loved it. It is by Wes Anderson who also did the recent Grand Budapest Hotel which I also enjoyed. I saw it for $1 at home via Amazon Prime.

In the theaters, I recently saw Boyhood which was also great.
by travellight
Sat Aug 30, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4405

Re: Hw many credit cards to own?

I have too many most likely but many are long term cards with no annual fees that I rarely use. I use about 3 cards regularly.
by travellight
Fri Aug 29, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 22280

Re: Another Milestone

Congratulations barefoot girl! I am looking at early retirement milestone myself in about 5 years and running calculations etc., lol. We'll have to start thinking about what to do with our time when that day comes.
by travellight
Fri Aug 29, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1344

Re: My husband's " WILL", $ left for me to live on....

This is a very sad situation all around. I hope you seek legal counsel to get some clarity and better representation, OP.
by travellight
Fri Aug 29, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17352

Re: Zegna Suits

I think many bogleheads did say "it's your money, spend it as you wish; although many of them do not prioritize clothing/fashion". Some bogleheads did make a point though that they would rather spend some of that money on the bride rather than on themselves.
by travellight
Mon Aug 25, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9495

Re: College Counselors

That being said, I help with research. I think it is hard enough taking very rigorous courses, getting fantastic test scores and doing the extracurricular activities. I don't think it is too pampering to do college research and help them with that part.
by travellight
Sun Aug 24, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 44
Views: 2569

Re: College Counselors

One of my best friends hired a counselor for both her kids, with great outcomes... One went to Duke the other to Yale. I am more of a do it yourselfer and feel that he will get into whatever school he deserves on his own merit.
by travellight
Sun Aug 24, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 44
Views: 2569

Re: Zegna Suits

Reading this is making me feel much better about buying the $400 (on sale) Hugo Boss suit jacket for my 17 year old son, it fits him like a glove and looks smashing. I even had some qualms yesterday about buying a Lauren dress for $45 at Marshalls, but I did it anyway. If you can afford it and want ...
by travellight
Sun Aug 24, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9495

Re: Kaiser vs Blue Shield

I have had excellent care at Kaiser.
by travellight
Sat Aug 23, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5536

Re: POLL: My home is worth less/more in 2014 than in 2007?

Zillow does not know condition of the house or remodel work. It depends largely on numerical data like sq footage.
by travellight
Mon Jul 28, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5843

Re: Here's another "where should I retire" thread

I was just visiting a friend on Peaks island near Portland, Maine. I could envision having waterfront property anywhere in that area. We went to a dinner party (lobster bake) at a grand home in Cape Elizabeth which would be a dream retirement house to me. I also thought of Lake Tahoe on the no tax N...
by travellight
Thu Jul 24, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6465

Re: "Being Done" Saving: White Coat Investor blog post

I am also entering the being done savings part. I think I spent 8000 more last year than the year before.
by travellight
Sat Jun 28, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7878

Re: How I win at craps

I am too chicken to try any gambling but am fascinated by your methods and thoroughness of thought processes. Thanks for sharing. Anyone who doesn't like such discussions should not open the thread.
by travellight
Tue Jun 24, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2075

Re: Made the $5 million club, but...

With all your factors, I would retire. I can see myself not retiring with 5 million but I have a great job.
by travellight
Tue Jun 17, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7117

Re: The 2 comma paradox

How do you guys get such high ss earnings like 40k per year? I have been a high income earner since 1989 and I will get about 24k per year.
by travellight
Tue Jun 10, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14633

Re: The 2 comma paradox

I think the most common boglehead point of view is that pensions and social security are worthless and should not be allowed to have any commas or comma status. I personally believe pension should be counted. SS seems like such a low number that it is hardly worth counting but, sure, that could be ...
by travellight
Sat Jun 07, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14633

Re: The 2 comma paradox

I also have no idea when I passed the mark but I suspect it was about ten years ago. I have been tracking it more closely since I joined BH and Mint.com.
by travellight
Sat Jun 07, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14633

Re: Tesla: How is my financial health? and HELOC vs Loan

Having kids would be a huge factor for me. I agree with all the points as to why it is financially unwise to make this splurge but I might still have considered it if I planned to remain childless. If I were to have a child though, I would have to factor in all the costs that entails including possi...
by travellight
Tue Jun 03, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 5063

Re: should I buy real estate in Boston area? How much to spe

that place looks lovely but Zillow has it at 65k less. Although zillow can be quite off on individual homes, I think they are more accurate on condos and townhouses since they are less unique and there is more sales history. I would only buy if you can afford the entire thing without your GF. You do...
by travellight
Tue Jun 03, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: should I buy real estate in Boston area? How much to spend?
Replies: 31
Views: 2561

Re: college related advice for 11th grader

I came across this excellent post and thought I would add it to this thread for any who read it in the future who are in a similar position. It nicely explains ED, EA, RD, etc.; all of which I have learned piecemeal on my own but this nicely summarizes it. http://talk.collegeconfidential.com/college...
by travellight
Mon May 26, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 106
Views: 7014

Re: Real Estate Advice

If those numbers are for real, I'd buy one.

My best unit was 256k and gets $2200/month.
by travellight
Mon May 26, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2704

Re: Pay rent to spouse?

I would not get too caught up with labels. Main question is if you are happy with your housing and if you are paying a fair and reasonable amount for it. If you were renting this place together, would you pay this same amount?
by travellight
Sun May 25, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay rent to spouse?
Replies: 16
Views: 2214

Re: How do you make your money?

I'm a medical professional. I also have 6 rental properties that net 142k per year (after taxes, insurance, repairs, vacancies, and mortgage interest). I'm a single mom funding an only child to college in over a year at probably 60k/year.
by travellight
Fri May 23, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 13724

Re: Best source for cheap airfares?

How is. Matrix better than kayak?
by travellight
Wed May 21, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Best source for cheap airfares?
Replies: 11
Views: 1279

Re: [residential] Solar Panels [in CA]?

I had one bid last year and was surprised that it would not reduce my bill that much. It was a lease with solar city.
by travellight
Sat May 17, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: [residential] Solar Panels [in CA]?
Replies: 22
Views: 1819

Re: UCLA vs USC Decision [Which college to attend]

Sounds like you are familiar with Northeastern, Jack.
by travellight
Fri May 16, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3798

Re: what is the hardest financial decision?

Savings rate is easy for me, when to retire from a great and well paying job is tough.
by travellight
Thu May 15, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is the hardest financial decision?
Replies: 55
Views: 5024

Re: Can I be a boglehead and join a golf club?

You can certainly do so but I would not unless my kids education is maximally funded as well as retirement.
by travellight
Thu May 15, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4642

Re: Switch car insurance? State Farm vs GEICO

I have had excellent service from geico, I would switch.
by travellight
Thu May 15, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 4069

Re: Any benefit to a prenup for us?

I would also do the prenup if only to stipulate no alimony.
by travellight
Tue May 06, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 4091

Re: My front lawn is horrible

I have lawn issues as well, in my back yard. I am thinking about converting 60-75% of it to hardscape (concrete or brick substrate) and put a gazebo on it. I'll plant arid grasses around the rest of it that will be low maintenance.
by travellight
Sun May 04, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3276

Re: Real estate vs total stock market

Over the last 22 years, the results should have been something like this (all of these are the cumulative gain over the entire period, apparently what you label as z, not annual): Wellington: 685% gain Total US Stock Market: 618% gain Internationial (Europe): 502% gain Wellesley: 552% gain Total Bo...
by travellight
Sun May 04, 2014 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3532

Re: Real estate vs total stock market

Illinidave- so your portfolio is up over 240%? that is fantastic. Mine is only up 35%.
by travellight
Sun May 04, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3532

Re: Real estate vs total stock market

Portfolio/equities: I calculated net money put in (x), net worth now of the portfolio (y), net gain/appreciation (z, which is y minus x); divided z by x to get % return and divided that by number of years of involvement/contribution to get %return per year. z = 35%, over a 22 year span, I get 1.72% ...
by travellight
Sun May 04, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3532

Re: Real estate vs total stock market

by gronkman » Sun May 04, 2014 3:48 am Most long term RE investors don't count on house appreciation to make their gains. The idea is to buy cheap, get positive cash flow, and let depreciation and principal pay down pay your way to wealth. I like to think of the RE market similar to index funds vs ...
by travellight
Sun May 04, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3532

Re: Mea culpa [100% stock at 50]

by SGM » Thu May 01, 2014 12:53 am It depends on your personal situation whether 100% stock is excessive at 50. If you will need to sell the stock in a downturn or you can't sleep it is a little crazy to be 100%. If you have no need to touch it and do not panic in downturns 100% stock could be just...
by travellight
Sat May 03, 2014 3:09 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5414

Re: Real estate vs total stock market

Here are my actual numbers: Equities/portfolio- 1.72%/year Personal homes real estate - 6.5%/year unleveraged. 32%/year leveraged based on 20% down. Investment real estate, unleveraged: 7-16%/year; leveraged is 33-77%/year based on 20% down. This is over a 22 year period so I've had real estate ups ...
by travellight
Sat May 03, 2014 12:33 am
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3532

Re: Savings Rate what do you include?

When TSM goes up in value for the year, do you count that as savings? I don't. I guess you would if you count appreciation as income. No, I don't count it in my savings just as I don't count real estate appreciation in my savings. Those will contribute to my net worth estimations though. I do count...
by travellight
Fri May 02, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5550

Re: Real estate vs total stock market

He figures it will pay him his guaranteed income in retirement and he won't have to be concerned about the gyrations of the stock market. It helps him sleep well at night, so I figure it makes sense for him. I see it this way as well. Also, I personally have done better in RE than the market. I loo...
by travellight
Fri May 02, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: Real estate vs total stock market
Replies: 44
Views: 3532

Re: What's your number?

I am getting better at spending, Homer!
by travellight
Fri Apr 25, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31600

Re: What's your number?

8 figures by age 58.
by travellight
Wed Apr 23, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31600

Re: Hit your #, Still want to work, does your savings % chan

I think I am fitting that bill. I have been extremely frugal (85% savings rate) and have hit a. Good number but am not yet debt free. I am spending more on experiences... Front row tickets, dining experiences, nice hotels, etc.
by travellight
Tue Apr 22, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5290

Re: Real Estate Investing

It has worked for me but some people prefer to rent and probably wouldn't do well as landlords. Different strokes...
by travellight
Tue Apr 22, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Real Estate Investing
Replies: 11
Views: 1124

Re: Savings Rate what do you include?

I also see it as dickenjb. It may not be perfect but it's the best for me.
by travellight
Tue Apr 22, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5550
Next

Return to advanced search