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Re: college related advice for 11th grader

There may be some element of truth to that particular Onion article, livesoft. I don't have a problem with development kids getting in .....the number of lower income students funded or a great new facility that will enhance educational experience for so many, at such a low price of educating one ki...
by travellight
Thu Oct 02, 2014 1:39 am
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7754

Re: Do you deviate from the BH philosophy?

[quote]by cfs » Wed Oct 01, 2014 4:14 pm Well, let me see our score. Well, based on the wiki, let me see how we score on BHP: 1 Develop a workable plan (Score 1 point) 2 Invest early and often (Score 1 point) 3 Never bear too much or too little risk (Score 1 point) 4 Diversify (Score 1 point) 5 Neve...
by travellight
Thu Oct 02, 2014 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 36
Views: 1113

Re: Do you deviate from the BH philosophy?

I think roughly 95% of my net worth is in real estate, so yes, I think I deviate from BH philosophy. I also have no taxable money in the market; all I have are retirement plan money (401k, Roth IRA) in the market but I do have it all in a simple 4 fund, Vanguard set up.
by travellight
Wed Oct 01, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 36
Views: 1113

Re: college related advice for 11th grader

That video is hilarious, livesoft. How do you come up with this stuff?! I sent it to my son to add a little levity to what I'm sure is an evening of homework.
by travellight
Wed Oct 01, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7754

Re: Should I include this in my net worth?

I don't count it in my net worth analysis although I think there is about 50-60K housed there. If I cash it out, I will really get 50 cents on the dollar due to taxes so I think I should spend it and actually take those vacation days some day.
by travellight
Wed Oct 01, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 28
Views: 1658

Re: college related advice for 11th grader

I agree with that analysis completely, TT. Harvard is definitely making a statement/play with their early admittance rate and it is being noted. In my method of overthinking this, I had to wonder though if now that this is noted, more students will apply to H since their position supports this. The ...
by travellight
Wed Oct 01, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7754

Re: Hard Money Lending, flipping houses 12% return Lets hear

I am glad to see Abe weigh in on this because I remembered he had done quite well for himself in this arena. Risks and reward; can you afford some loss and is it worth it for the upside?
by travellight
Wed Oct 01, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 52
Views: 2523

Re: college related advice for 11th grader

I wanted to update this for all the great posters who had contributed and share our personal experiences. I feel like I have learned so much since I first posted this question. About the "chaff" to sift through at Collegeconfidential, I have to say that I have been doing my share of siftin...
by travellight
Wed Oct 01, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7754

Re: EmergDoc has Surpassed 10,000 posts!

Congratulations, emergdoc! I always enjoy reading your posts here. My niece is a new physician in practice (opthalmologist) and she bought your book and is off to a great start.
by travellight
Tue Sep 30, 2014 11:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 2907

Re: Are trash compactors good things?

I don't know anything about installation but I really love having a trash compactor. That and an always hot line for tea are two elements I would have in my kitchen.
by travellight
Thu Sep 25, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Are trash compactors good things?
Replies: 20
Views: 1024

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: 10618

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: 5783

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: 75
Views: 4904

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: 3837

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: 4489

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: 32022

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: 1346

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: 17411

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: 9551

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: 2580

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: 2580

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: 9551

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: 5613

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: 5863

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: 6502

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: 7897

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: 2079

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: 7179

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: 14694

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: 14694

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: 14694

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: 5075

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: 2562

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: 116
Views: 7754

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: 2707

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: 13742

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: 1290

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: 1828

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: 3825

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: 5031

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: 4645

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: 4184

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: 4132

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: 3297

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: 3540

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: 3540

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: 3540

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: 3540
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