Search found 247 matches

by travelnut11
Thu Jul 16, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1906

Re: Board Recommendations: Vacation for Babymoon

I would also recommend going sooner rather than later. I had to fly for my mom's funeral at 34/35 weeks pregnant and it was torture. I didn't even have a huge bump as I'm tall but it was just so uncomfortable to sit in those tiny seats and try to hurry (ha!) through the airports. We did a 3 day baby...
by travelnut11
Sat Jul 11, 2015 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: who do you have your term life insurance with?
Replies: 32
Views: 2148

Re: who do you have your term life insurance with?

1 million dollar 20 year policies on both myself and my husband with Principal. We went through an agent on Term4sale.com. Principal was one of the better priced policies and also had the benefit of not requiring a medical exam for me. My husband did have to have an exam but ended up with the best r...
by travelnut11
Tue Jun 16, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8518

Re: Wedding Receiption

One daughter married a young man from Wisconsin, and we had to buy two more kegs. They were extremely well behaved, so we extended the DJ for additonal hour and half, then at the end we brought in pizza. Man those Wisconsinites can drink! :shock: Broken Man 1999 So very true...we can drink and we'r...
by travelnut11
Tue Jun 16, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8518

Re: Wedding Receiption

I think this is a regional issue. Where I'm from it's common for the beer and wine to be free as well as a few punch bowls of brandy Old-Fashioneds. Everything else is cash bar and no one really has a problem with it. I know a lot of places find cash bars tacky but around here it's not a hugely big ...
by travelnut11
Tue Mar 24, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC vs cashing out taxable? On the fence
Replies: 13
Views: 1510

Re: HELOC vs cashing out taxable? On the fence

This sounds almost exactly like our current situation except it's our first baby and we're not in a HCOL. We're splitting the difference and doing half of the basement remodel with HELOC funds and half with the taxable account even though we could pay for the whole thing with the taxable account. I ...
by travelnut11
Tue Mar 10, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads with Rental Income
Replies: 32
Views: 3037

Re: Bogleheads with Rental Income

I decided to test the landlord waters by purchasing a duplex and living in one side and renting out the other to get a feel for it. 12 years later I still live on the other side though am set to move into a SFH with my husband next month and we'll rent both sides of the duplex then. Its gone very we...
by travelnut11
Fri Mar 06, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 22648

Re: Wife tired of saving...

With continued reading, I think the biggest problem is the OP takes extreme, possibly even misguided, belief positions (property taxes, no tax-advantaged saving, investing primarily in low-return vehicles, top 5 school or community college), and cannot or will not be open to changing their opinion ...
by travelnut11
Mon Mar 02, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Where to go on my sabbatical?
Replies: 11
Views: 947

Re: Where to go on my sabbatical?

Oh my this sounds like an amazing conundrum! I think I'm with your wife on the Spanish for the kids and don't worry they will pick it up in just a few months. A friend of mine is a 2nd grade teacher at a school with a lot of foreign kids from all over the world and she says by Christmas break they a...
by travelnut11
Sun Feb 22, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8536

Re: How much was your Tax Refund (or amount DUE)

Owe Feds about $2500 and owe Wisconsin about $1000. Got married this year and did an extra $30k in consulting work. I tried to get closer to zero but didn't take into consideration the loss of my husband's education credits and no rental property losses because our combined income is too high. Next ...
by travelnut11
Sat Feb 21, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Depreciating Items
Replies: 10
Views: 788

Re: Rental Property Depreciating Items

The depreciation stuff is a headache and is the single reason I have my taxes done by an accountant. Even then they sometimes mess it up. The first year I was a landlord I messed mine up after trying to use Turbotax and had to pay someone to fix it so just kept getting them done. I also found Turbot...
by travelnut11
Sat Jan 31, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 2029

Re: Term Life Insurance Dilemma

We went through term4sale.com when we were looking at life insurance last year. Type in your information and see what kind of quotes come up. Then you can choose an agent to contact. Ours was helpful and knew which were the best companies and with the best rates for our personal situation. We're mid...
by travelnut11
Thu Jan 29, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: switching Job- Health insurance etc...
Replies: 7
Views: 700

Re: switching Job- Health insurance etc...

I just switched to my husband's insurance on January 1 and his HR department said I need to send in a HIPAA document to the new insurance showing that I was previously covered under my old plan. I'm currently pregnant though so I'm not sure if this is because they need to get some sort of documentat...
by travelnut11
Fri Jan 23, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 820

Re: Buying life insurance online

use term4sale.com to obtain the quotes, then call one of the 3 numbers listed for an agent that sells these policies. I've done this process now 3 times, and each time it has been relatively flawless. You tell them your data, you tell them the policy you want to apply for including the annual cost,...
by travelnut11
Sun Jan 18, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2640

Re: Preparing for baby and one income

To get some quick help, just put "baby expenses" up there in the search box in the upper right and enjoy reading. For many of us, a baby was a $20 co-pay. They are really inexpensive. This is a beyond ridiculous thing to say. I believe Livesoft has older kids so perhaps that was true for ...
by travelnut11
Sun Dec 14, 2014 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10166

Re: Most/Least Boglehead 2014 Activity?

Most: convinced my new husband to increase his 401K contributions to the IRS max; have an accepted offer on a house well below our price range which we will be putting 20% down on. Least: given new house and new baby in spring 2015 I may have to forgo my Roth contribution for 2014. Or if we decide t...
by travelnut11
Thu Nov 13, 2014 9:13 am
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4662

Re: Boglehead family vacations

When I was 8/10 I didn't care where we were going on vacation as long as there was a pool in our hotel. I think at those ages you can still get by with the cheap/simple vacation options. I'd save the fancier and expensive stuff for when your kids are older and less thrilled perhaps to be going on va...
by travelnut11
Wed Oct 08, 2014 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Which Employer Health Insurance To Go With? PPO/HSA
Replies: 23
Views: 2615

Re: Which Employer Health Insurance To Go With? PPO/HSA

Also keep in mind that you may end up paying two out-of-pocket maximums depending on when you're pregnant. I'm 12 weeks pregnant and expect to hit my OOP (or really close) this year with prenatal care (Doc ordered a bazillion labs at my first OB appointment and I had an expensive genetics test becau...
by travelnut11
Sat Sep 13, 2014 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: self-employment tax safe harbor and new marriage
Replies: 0
Views: 189

self-employment tax safe harbor and new marriage

HI Bogleheads- I'm a full-time W-2 employee who does some consulting on the side. In the last few years its ranged from $5K to $18K a year and this year it will probably be more like $25K-$30K. In the past I just make one estimated tax payment in the end of the year making sure my withholding+estima...
by travelnut11
Fri Sep 12, 2014 6:07 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 6383

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Luang Prabang, Laos. Lots of great Western amenities but quiet and beautiful scenery with many options to venture out into the beautiful countryside. Eh, overcrowded tourist spot. Much better places in Laos than that. Certainly I agree with you but LP would make a great base for someone interested ...
by travelnut11
Fri Sep 12, 2014 1:05 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 6383

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Luang Prabang, Laos. Lots of great Western amenities but quiet and beautiful scenery with many options to venture out into the beautiful countryside.
by travelnut11
Tue Jul 29, 2014 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 8704

Re: Landlording for long-term wealth? Who's doing it?

I'm not exactly sure I'm doing it for long-term wealth but I'll bite anyway. :happy I bought a duplex 10 years ago as a way to sort of subsidize my mortgage (I live in one side and rent out the other still to this day). Its been great for me so far as my housing expenses have been very, very low and...
by travelnut11
Mon Jul 14, 2014 7:45 pm
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2547

Re: Footwear in Vietnam

What are your planned activities? I was in Cambodia and Laos in January and pretty much lived in my flip-flops even climbing over the different temples. Admittedly I stubbed my toes a few times but it was way too hot for closed toed shoes and socks. The only time I wore my light hikers was for a mou...
by travelnut11
Thu May 29, 2014 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do assets help with mortgage rates?
Replies: 11
Views: 1243

Re: Do assets help with mortgage rates?

I just applied for pre-approval last week and the only interest they had in my retirement assets was to demonstrate that I have 6 months mortgage payments in reserve (in addition to proof of the accounts where I plan to pull my down payment from).
by travelnut11
Fri May 16, 2014 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3274

Re: Taking a leave of absence for one year

I think for me the key was that I had very few expenses and those I had were rather low. The only expense I had was a mortgage and associated utilities. I rented out my house while I was gone at a net loss of about $200 a month including the utilities so not a big deal. No car payment, no student lo...
by travelnut11
Wed May 14, 2014 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3274

Re: Taking a leave of absence for one year

I did this, under very particular and unusual circumstances. I was working for a company out on the West Coast, but for personal reasons, was very interested in the possibility of returning to the NY area. My company is a global one, but did not then have a position in NY. I applied for and was off...
by travelnut11
Wed May 14, 2014 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3274

Re: Taking a leave of absence for one year

I have done this. Seven years ago when I turned 30 I requested and was granted a personal leave-of-absence for 9 months where I spent 3 months traveling in the US/Canada and 6 months in South America. I would've done a year except 9 months was the max the company would grant and allow me to return t...
by travelnut11
Fri May 09, 2014 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should wife take new job offer- pregnant? FMLA issues?
Replies: 24
Views: 1461

Re: Should wife take new job offer- pregnant? FMLA issues?

Anecdotally I have several friends that found out they were pregnant after starting new jobs. I'm sure the companies were not thrilled but it was not a problem and they took their full FMLA leave and came back to be great employees for many years after the leave. It's hard to say how an individual c...
by travelnut11
Wed Apr 30, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2788

Re: Life Term Insurance? 32 yrs old. [Help requested]

Medical exams ensure better rates, even one without medical exams will anyway pull your medical records for past 3 years (You need to sign authorizing them). So by avoiding exam you are not showing them your present and Insurance company still have visibility into your past. My medical records were...
by travelnut11
Wed Apr 30, 2014 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2788

Re: Life Term Insurance? 32 yrs old. [Help requested]

Gotcha BruDude. When you said policies "of a certain size" I thought you were referring to the lower $350K limit and I wanted to point out that you can get a higher policy limit without the exam. :happy
by travelnut11
Wed Apr 30, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2788

Re: Life Term Insurance? 32 yrs old. [Help requested]

Policies that require a medical exam will be half the price of policies that don't, and non-medical policies are generally limited to a maximum benefit of $350k or less. Some companies that normally require an exam have relaxed their underwriting and may only require a phone interview for policies ...
by travelnut11
Tue Apr 29, 2014 4:23 pm
Forum: Personal Consumer Issues
Topic: best cat litter and price
Replies: 11
Views: 816

Re: best cat litter and price

I like the Nature's Miracle litter because it doesn't have a strong perfumey smell and my cat seems to like that better than the old stuff. I also made a very large homemade litter box from a plastic Target tub and she hasn't gone outside the litter box in ages. I think her prior litter box was too ...
by travelnut11
Tue Apr 29, 2014 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2788

Re: Life Term Insurance? 32 yrs old. [Help requested]

I recently used term4sale.com to get quotes for myself and my husband who are a little older than you (37) but in good health. I ended up with a 20 year, $1 million dollar policy requiring no medical exam for $479 per year. My husband did have to do an exam and ended up in the 2nd best category for ...
by travelnut11
Mon Apr 28, 2014 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Help Needed - Renting with absentee landlord
Replies: 12
Views: 2820

Re: Quick Help Needed - Renting with absentee landlord

From the other side of this coin, I'm a landlord who refuses to rent to anyone I have not met in person with a photo ID. No exceptions. It has probably cost me a few good tenants over the years who were moving here from afar and were totally legitimate but you just never know. It's too risky to me ...
by travelnut11
Mon Apr 28, 2014 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Help Needed - Renting with absentee landlord
Replies: 12
Views: 2820

Re: Quick Help Needed - Renting with absentee landlord

From the other side of this coin, I'm a landlord who refuses to rent to anyone I have not met in person with a photo ID. No exceptions. It has probably cost me a few good tenants over the years who were moving here from afar and were totally legitimate but you just never know. It's too risky to me e...
by travelnut11
Sat Apr 26, 2014 8:59 am
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 4970

Re: 30yo, just married, need some guidance

For the record the financial risk and cost in delayed childbearing go up every year after age 30 if you actually want to have kids. Cost of fertility treatment is 20-50K and the need for it increases by about 10% per year. It is generally uninsurable. Since the probability of it working goes down e...
by travelnut11
Fri Apr 25, 2014 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 4970

Re: 30yo, just married, need some guidance

For the record the financial risk and cost in delayed childbearing go up every year after age 30 if you actually want to have kids. Cost of fertility treatment is 20-50K and the need for it increases by about 10% per year. It is generally uninsurable. Since the probability of it working goes down e...
by travelnut11
Mon Apr 14, 2014 4:40 pm
Forum: Personal Consumer Issues
Topic: Getting Out of Contract w/ATT Uverse
Replies: 3
Views: 711

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
Sun Apr 13, 2014 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 2848

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
Sat Feb 22, 2014 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do i need a new cpa?
Replies: 10
Views: 1221

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
Wed Feb 19, 2014 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 14542

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
Tue Feb 11, 2014 8:48 am
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 6677

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
Mon Feb 10, 2014 8:45 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 7022

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 03, 2014 5:25 am
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3469

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 Jan 13, 2014 6:54 pm
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5844

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
Sun Jan 12, 2014 11:26 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 30033

Re: High Earners - What's Your Profession?

Statistical programmer in biotech/pharma industry.
by travelnut11
Fri Dec 27, 2013 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4516

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
Thu Dec 19, 2013 3:29 pm
Forum: Personal Consumer Issues
Topic: Tipping Movers
Replies: 41
Views: 2520

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 12, 2013 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Remote Worker: State tax Implications: NJ & CA
Replies: 3
Views: 372

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
Tue Dec 03, 2013 10:05 pm
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 6163

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
Sun Oct 27, 2013 2:14 pm
Forum: Personal Consumer Issues
Topic: Elope to Save Money?
Replies: 79
Views: 5986

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...

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