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Re: Getting Out of Contract w/ATT Uverse

I feel your pain on this. We upgraded to their fastest internet service and my whole system (cable,internet,VOIP phone) fell apart. We had a bunch of techs out and the problems were ongoing. In the midst of this we had a European vacation and since we've come back its been much more stable so we're ...
by travelnut11
Mon Apr 14, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Getting Out of Contract w/ATT Uverse
Replies: 3
Views: 524

Re: Proper Money management and itinerary for Europe trip

I'm just back from my honeymoon in Venice and Umbria/Tuscany. We did Rome last year for 6 days too. Make sure you report back which city you preferred...I find people tend to fall in one camp or another. We loved Rome and 6 days was not enough. Venice was sort of "meh" for us...3 full days...
by travelnut11
Sun Apr 13, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1873

Re: Do i need a new cpa?

I also hate my CPA but am sort of at a loss as to how to find a good one. She was recommended to me 10 years ago but if I didn't have rental properties I would just do it myself. I wonder how difficult it is to switch to a new CPA if she has all of my records on file including the various depreciati...
by travelnut11
Sat Feb 22, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do i need a new cpa?
Replies: 10
Views: 1114

Re: Skip IRA for 1 year to buy engagement ring

I might suggest going ring shopping to my boyfriend, especially if I wanted to steer him to the cheaper rings, lol. I would worry that if left to his own devices, he might think that he had to spend a lot of money on a big flashy ring to pick out for a public proposal. Neither of which I would like...
by travelnut11
Wed Feb 19, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7340

Re: Less Obvious Travel Spots

Nicaragua is amazing...I can definitely recommend it. Go before it becomes Costa Rica. I didn't make it here on my Nicaraguan trip but the Corn Islands in Nica are supposed to be amazing and a true "desert isle" experience. I just came back from Luang Prabang and while it was lovely it is ...
by travelnut11
Tue Feb 11, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 5124

Re: Raising kids in a small town vs. big city/suburbs

I find it interesting that you lump big city and suburbs as the same category? I think small town and big city and suburbs are three distinctly different things. Or if anything, I'd lump small town/suburbs together and big city separately. In general, I think kids can do well under a wide variety of...
by travelnut11
Mon Feb 10, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

Re: How much financial support should you give your kids?

Ten years ago my father passed away and left each of his three kids approximately $100K each. Here's how their stories played out: Travelnut11 (age 26 at the time): had already been working in a professional job a few years, knew about investing, had a 401k, struggled as a young professional on a lo...
by travelnut11
Mon Feb 03, 2014 6:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3218

Re: Best Boglehead lesson

Backdoor Roth for sure. I had a handle on keeping expenses low, starting early, index funds, Vanguard, etc. when I started here but I had no clue about the Backdoor Roth. I don't need it yet but hope to some day exceed the income threshold so have my Fidelity solo 401k all set-up to accept my old em...
by travelnut11
Mon Jan 13, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5154

Re: High Earners - What's Your Profession?

Statistical programmer in biotech/pharma industry.
by travelnut11
Sun Jan 12, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22774

Re: What are your financial goals for 2014?

I'm getting married next year so merging finances should be interesting. Goals by the end of the year: 1. Max Her 401k - done 2. Max His 401k - at 15% now so need to bump up a bit. 3. Max Her Roth IRA - done 4. Max His Roth IRA - need to open 5. Max Her HSA - done 6. Initiate a "practice" ...
by travelnut11
Fri Dec 27, 2013 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4047

Re: Tipping Movers

When my fiancee moved in last year we had two really amazing guys moving a 2 bedroom apartment into my house in Wisconsin in February. We originally planned for $20 per person but then they ended up expending a lot of effort to get a treadmill into our basement that we didn't realize was going to be...
by travelnut11
Thu Dec 19, 2013 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Tipping Movers
Replies: 41
Views: 1766

Re: Remote Worker: State tax Implications: NJ & CA

I've been a remote worker for 10+ years and have only ever been taxed in my state of residence. I don't think my company had a "presence" in my state either when I started but they just had to fill out some extra papers to withhold taxes from my state. I never got the impression that it wa...
by travelnut11
Fri Dec 13, 2013 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Remote Worker: State tax Implications: NJ & CA
Replies: 3
Views: 301

Re: Wine for daily consumption?

My fiancee is a wine distributor and says Bota is the best of the boxed wine. For daily drinking we do a lot of Concha y Toro red varietals and right now we're drinking a lot of Michel Torino (Malbec mostly, some Cab and Pinot Noir).
by travelnut11
Tue Dec 03, 2013 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5166

Re: Elope to Save Money?

I'm getting married March 1 next year and we're pseudo-eloping in that we're doing it by ourselves but people will know that we're getting married and when we're getting married. I'm not sure yet if they'll know where or if we'll keep that part a secret. We're going for the weekend to this amazing b...
by travelnut11
Sun Oct 27, 2013 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 5206

Re: Insufficient Short Term Disability Maternity Insurance,

I suspect your HR rep may be correct. I recently looked into my own employee benefit STD policy for maternity and found the same thing: 6 weeks for vaginal, 8 weeks for c-section but they don't pay out for the first week as it is the waiting period.
by travelnut11
Sat Sep 21, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insufficient Short Term Disability Maternity Insurance, UNUM
Replies: 14
Views: 1381

Re: Taking a year off with 600,000 need a bit of passive inc

Sounds great! I did this about 6 years ago for my 30th birthday and had a lot less in the bank upon my return than you do so you'll be just fine. I was on a leave of absence though so didn't need to worry about finding a new job. I only spent about $15K for 6 months in South America on what I would ...
by travelnut11
Wed Aug 21, 2013 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Taking a year off with 600,000 need a bit of passive income.
Replies: 23
Views: 3123

Re: Community Supported Agriculture (CSA)

I love my CSA farms. I do two separate ones...one for summer (approximately June through October) and one for fall/winter storage (November through January). There are spring shares available too but I tire of greens easily and usually skip it. My area has a lot of CSA options and I've tried a few d...
by travelnut11
Mon Aug 12, 2013 9:01 am
 
Forum: Personal Consumer Issues
Topic: Community Supported Agriculture (CSA)
Replies: 14
Views: 677

Re: Guaranteed to Need Repair in 3-5 Years

Hello, I bought a brand new refrigerator over the weekend. According to the salesperson, all new refrigerators are guaranteed to break down in the first 3-5 years. He said that this was because to meet Energy Star requirements, new refrigerators, regardless of the brand or model, use smaller compre...
by travelnut11
Mon Jun 10, 2013 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Guaranteed to Need Repair in 3-5 Years
Replies: 31
Views: 2896

Re: New Home Buyer - Mortgage Options

The first thing that pops out to me is that a $383K house on $78K income sounds a little insane to me. I would be agonizing over buying a house that expensive and my household income is about $175K. Do you have extremely low property taxes and/or live in a HCOL area? Really think this over before yo...
by travelnut11
Sat May 04, 2013 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Home Buyer - Mortgage Options
Replies: 10
Views: 900

Re: Your best financial move

Bought a duplex in 2004 where I live in one side and rent out the other. After 9 years I live here for free and bank a good chunk of my salary with plenty left over for my favorite activity: traveling.
by travelnut11
Sun Apr 28, 2013 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Your best financial move
Replies: 98
Views: 7729

Re: solo 401k "plan contribution rate"

Thanks tfb, the spreadsheet was helpful to give me another data point to work with. She agreed with me that the "contribution rate" number she was looking for was 25% and the amount she figured out for my maximum contribution was pretty close to what the various calculators/spreadsheets ca...
by travelnut11
Mon Mar 25, 2013 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: solo 401k "plan contribution rate"
Replies: 5
Views: 669

Re: solo 401k "plan contribution rate"

Thanks for the detailed analysis Bruce. The Fidelity calculator doesn't take into account the fact that I've already contributed the $17K through my regular W-2 job so it was pretty useless to me. The rep on the phone said that the employer portion I'm allowed to contribute would be the same amount ...
by travelnut11
Mon Mar 25, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: solo 401k "plan contribution rate"
Replies: 5
Views: 669

solo 401k "plan contribution rate"

In 2012 I worked both a W-2 job where I maxed out my 401k and also did $18,750 in self-employment 1099 income. I opened my solo 401k with Fidelity at the end of 2012 but have been waiting to make my contribution until my taxes were completed and my accountant could tell me the max amount I can contr...
by travelnut11
Mon Mar 25, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: solo 401k "plan contribution rate"
Replies: 5
Views: 669

Re: recommend a online background/credit check service

I just used this Transunion service for the first time this week and was happy with it. $25 for a credit/criminal background check and no need for an inspection. It does require some savvy on the part of the tenant as they need to electronically confirm that they give permission for me to check thei...
by travelnut11
Sun Mar 24, 2013 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: recommend a online background/credit check service
Replies: 9
Views: 838

Re: Need advice: Taking a year off to travel

I would say do it. I really hope to do the same when I have kids though my plan would be when they were 10/11/12. To me that is the sweet spot between childhood and adolescence. They're still kids that want to hang out with their parents but are starting to form their own ideas and will definitely r...
by travelnut11
Sun Mar 24, 2013 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Need advice: Taking a year off to travel
Replies: 55
Views: 3427

Re: Telecommute Question

I've been a full-time telecommuter for the last 10 years and love it. I'm not sure I can ever actually go back to working in an office. I'm a statistical programmer who analyzes clinical trials data and fortunately my client has a long history of embracing telecommuting. Pretty much everyone on my p...
by travelnut11
Tue Mar 19, 2013 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telecommute Question
Replies: 5
Views: 1017

Re: Mathematicians or statisticians here? Seeking your advic

I'm seriously thinking of quitting my day job and going all-in on this. I'm not a mathematician but what is your day job? I'm thinking that there might be some overlap. I know someone that is a bit older than you and has gone through several career changes and he is just finishing up a program this...
by travelnut11
Thu Mar 07, 2013 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mathematicians or statisticians here? Seeking your advice
Replies: 66
Views: 5680

Re: Another Solo 401(k) thread

I just opened a solo 401k with Fidelity and it was all easily set up in less than a week. Don't delay though...deadline is December 31 to open the account. Mine is presently unfunded as I'm waiting to have my taxes done to determine the max I can deposit. Deposits for 2012 can be made up the tax fil...
by travelnut11
Thu Dec 13, 2012 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Solo 401(k) thread
Replies: 13
Views: 1326

Re: Home appraisal came in super low, worth it to pay down?

Do you have a copy of the appraisal? I just refinanced and was surprised when my appraisal came back significantly less than the appraisal I had done 18 months ago. Particularly given that I live in an area with stable prices. It ended up not mattering because I had enough equity to get the deal don...
by travelnut11
Wed Nov 21, 2012 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home appraisal came in super low, worth it to pay down?
Replies: 41
Views: 2810

Re: Advice Requested on Health Insurance and FSA/HSA

To me this means that OP's wife cannot do her HSA plan if the OP has a non-HDHP plan available. I'm not exactly sure how the IRS would enforce/police this but there it is. If anyone has other information that would be helpful...this will likely be an issue for me next year. I think if I drop her fr...
by travelnut11
Wed Nov 07, 2012 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Requested on Health Insurance and FSA/HSA
Replies: 21
Views: 782

Re: Advice Requested on Health Insurance and FSA/HSA

[...]I don't think she can do her HSA plan if she is covered by another non-HDHP plan (eg. yours by marriage). I was surprised by this during our benefit meeting because if I get married next year and my husband has a non-HDHP plan I would not able to use my own HSA plan anymore. I believe this is ...
by travelnut11
Wed Nov 07, 2012 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Requested on Health Insurance and FSA/HSA
Replies: 21
Views: 782

Re: Advice Requested on Health Insurance and FSA/HSA

Maybe she couldn't do the family plan because my kids would be covered under my non-HDHP? This looks like front loading my costs, but maybe better in the long run? I don't think she can do her HSA plan if she is covered by another non-HDHP plan (eg. yours by marriage). I was surprised by this durin...
by travelnut11
Wed Nov 07, 2012 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Requested on Health Insurance and FSA/HSA
Replies: 21
Views: 782

Re: Health insurance costs ...

2012: single person on PPO plan is $60.60 biweekly
2013: single person on HSA plan (PPO plan was dropped) is $48.46 biweekly
by travelnut11
Wed Nov 07, 2012 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Health insurance costs ...
Replies: 21
Views: 759

Re: Volunteering Ideas

CASA: Court Appointed Special Advocates. Advocacy for abused and neglected children.

http://www.casaforchildren.org/site/c.m ... A/Home.htm
by travelnut11
Sun Nov 04, 2012 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 50
Views: 2377

Re: Statistics packages: R or Stata (or both)?

As a SAS programmer by trade, I am naturally biased. I understand that a regular SAS license is ungodly expensive but I was at a conference earlier this year where I learned about some of the programs that SAS has for no-to-low cost ways of using SAS particularly for students and academics. Check ou...
by travelnut11
Sat Nov 03, 2012 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Statistics packages: R or Stata (or both)?
Replies: 15
Views: 1030

Re: Jamaica Vacation - Any tips?

Wow, I'm shocked at all the anti-Jamaica sentiment here. I LOVE Jamaica and much prefer it to Mexico. Of course, I've not done the cruise port or been to Kingston but feel completely safe in Montego Bay and Negril. The people are wonderfully friendly but poor so of course they're trying to sell you ...
by travelnut11
Sun Oct 07, 2012 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 4176

Re: Going to Sydney

Pay the money and climb the bridge. It was overpriced but I doubt I'll ever be in Sydney again so I'm glad I did it. I don't understand the mentality of spending a lot of money and flying all that way and not doing something like the bridge climb because of the cost. If you're not interested in it ...
by travelnut11
Thu Sep 27, 2012 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Going to Sydney
Replies: 29
Views: 1774

Re: Going to Sydney

Sydney is a great city, you'll enjoy it! I'm not sure if you're considering bridge climb or not but I thought it was over-priced and not worth it. You actually spend more time getting suited up into their outfits than you do on the bridge and at $200+ per person it's a rip-off. Just my $.02. Onto mo...
by travelnut11
Wed Sep 26, 2012 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going to Sydney
Replies: 29
Views: 1774

Re: Property Taxes

2.3% of assessed value in Wisconsin. When a property is sold that price becomes the assessed value and adjustments are made in years going forward. For example, I paid $245K in 2004 but my current assessed value is $220K. Of course, my property taxes haven't gone down accordingly...they've remained ...
by travelnut11
Wed Aug 15, 2012 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: [How much do you pay in] Property Taxes
Replies: 61
Views: 5475

Re: Expat Assignment in London

Isn't the point of chip-and-pin that it's much more secure? That is, the card is not functional without the pin? Or could it still be run as a regular credit card?
by travelnut11
Mon Aug 13, 2012 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Expat Assignment in London
Replies: 6
Views: 561

Re: Poll: When did you 1st learn about a Roth IRA?

The father of my college boyfriend was an Edward Jones rep and he could not stop talking about how excited he was for the new Roth IRA! I believe I heard about it from him before it was enacted...started contributing in 1999 when I got my first post-college job.
by travelnut11
Fri Aug 10, 2012 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: When did you 1st learn about a Roth IRA?
Replies: 54
Views: 6641

Re: What was Your Starting Salary Out of College?

$31k, 1999, Washington DC, research assistant. I thought I was rich after living on $600 per month my last year of college! :D
by travelnut11
Wed Aug 08, 2012 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 8513

Re: Getting Started in Rentals

You are going to get a lot of anti-landlording responses around here. I realize and recognize that people have had bad experiences but many people have been successful as a landlord. There are many, many factors to consider but if you are interested in it I'd do the research, run the numbers, ask a ...
by travelnut11
Wed Aug 08, 2012 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Started in Rentals
Replies: 21
Views: 2244

Re: Things to do around Ekalaka, Montana

Oh my gosh I cannot WAIT to hear how this goes. Eastern MT is like nothing you've ever seen before if you're from the big city. I spent the first 8 years of my life living in the Forsyth and Hysham areas and still drive through here en route to my mom's and grandma's houses in other parts of the sta...
by travelnut11
Sat Jul 21, 2012 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Things to do around Ekalaka, Montana
Replies: 16
Views: 1709

Re: How many times have you refinanced?

Original loan July 2004 - 7/1 ARM over 30 years at 5.75%
#1 Refi March 2009 - 20 year at 5.0%
#2 Refi Dec 2010 - 15 year at 3.75%

Considering #3 - 10 year at 2.75%
by travelnut11
Fri Jul 13, 2012 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many times have you refinanced?
Replies: 27
Views: 2066

Re: Advice for visiting Key West?

My boyfriend and I just spent 5 nights in Key West and had a blast. We stayed at the south end of Duval at the La-Te-Da Hotel. The website isn't great but we can definitely vouch for the place. It has several bars, a pool and hot breakfast is included. Key West isn't cheap and we thought it was a gr...
by travelnut11
Sun Jul 08, 2012 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Advice for visiting Key West?
Replies: 26
Views: 2433

Re: refi - no more free lunch?

I have friends who just tried to do their 2nd easy refi with Wells Fargo and they were told the same thing: it's a one-shot deal. They are still able to do a refinance of course but it's with $1500 in closing costs.
by travelnut11
Tue Jul 03, 2012 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: refi - no more free lunch?
Replies: 12
Views: 2462

Re: First house purchase - a duplex?

I did this exactly 8 years ago and its been going very well for me. My situation is a little different...my building is 3bed/1.75 baths on each side in a residential/family neighborhood (not college students) so the tenants are a little different. I would say go for it if you have sufficient cash re...
by travelnut11
Thu Jun 07, 2012 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: First house purchase - a duplex?
Replies: 12
Views: 1158

Re: Single, 35 year-old, new solo 401k

Thanks for the comment. I don't have any deductible expenses so my net will equal my gross as it did last year. And yes, I file as a sole proprietor with Schedule C. I expect to earn more than $18K this year but am on a summer break at the moment and not sure how much work there will be in the fall.
by travelnut11
Wed Jun 06, 2012 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single, 35 year-old, new solo 401k
Replies: 2
Views: 429
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