Search found 665 matches

by TravelforFun
Mon Aug 21, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 206
Views: 9788

Re: How far would you travel to see The Eclipse?

Flew from Fort Worth, TX to Nashville, TN, then drove to Lebanon, TN. Totally worth it!
by TravelforFun
Fri Aug 18, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 31
Views: 2500

Re: Soliciting personal recommendations for a Barcelona trip

Hope you haven't changed your mind yesterday. You should continue to plan to go.
by TravelforFun
Fri Aug 18, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4212

Re: Powerball - $510 million?

Good luck to all who buy tickets. I don't so you're not getting my money. :D
by TravelforFun
Fri Aug 18, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

I cannot believe it. Forecast now shows clear and sunny in Nashville on Monday.
by TravelforFun
Fri Aug 18, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1459

Cruise Ship Robot Call Settlement

[Post moved to this existing thread - moderator prudent]

You may be eligible for $900 settlement. Click the link to the settlement website and see if your phone number was involved.
https://www.rmgtcpasettlement.com/Landing.aspx
by TravelforFun
Fri Aug 18, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Depositing checks by uploading image from computer?
Replies: 10
Views: 973

Re: Depositing checks by uploading image from computer?

I bank with Bank of America and depositing checks using their app on my phone. So convenient.
by TravelforFun
Fri Aug 18, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 137
Views: 8967

Re: Anyone planning on never retiring?

None of my retired friends had gone 'stupid' during their first year or retirement. It would be a mistake to plan on never retiring.
by TravelforFun
Fri Aug 18, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 61
Views: 7830

Re: 30,000 in Checking Account

lostdog wrote:
Mon Aug 14, 2017 9:43 pm
Make sure you're maxing your 401(k).
May not be a good suggestion. If the OP's tax rate is low, contribute enough to get the match and put the rest in taxable.
by TravelforFun
Thu Aug 17, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 57
Views: 4171

Re: Reverse Mortgage Considerations

If you have a Flagship portfolio and no mortgage, why did/do you feel you need hundreds of thousands of dollars in credit, with your home as collateral? Could you not simply get a loan (or a bank line of credit) with your $1m+ in assets as collateral? I suppose it's similar to a HELOC, albeit with ...
by TravelforFun
Wed Aug 16, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 57
Views: 4171

Re: Reverse Mortgage Considerations

We know about needing X (25-30 times net annual expense) in order to retire comfortably. Net annual expense is annual expenses minus pension, SS, and other income. A reverse mortgage can provide a monthly income until both spouses leave the house permanently, thus reducing your net annual expense a...
by TravelforFun
Wed Aug 16, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy for all taxable
Replies: 8
Views: 627

Re: LifeStrategy for all taxable

If I knew I wouldn't have to pay taxes on my earnings or my selling of shares, I would be very aggressive on my investments but it's the risk many don't want to take. My Roth and HSA are 100% stock and I use my IRA, 401K, and taxable accounts to achieve my AA.
by TravelforFun
Wed Aug 16, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798675

Re: What Book Are You Currently Reading? Part VI

Hillbilly Elegy. This book answers a few questions about the rise of the alt.right movement and perhaps the result of the 2016 Election.
by TravelforFun
Wed Aug 16, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 57
Views: 4171

Re: Reverse Mortgage Considerations

We know about needing X (25-30 times net annual expense) in order to retire comfortably. Net annual expense is annual expenses minus pension, SS, and other income. A reverse mortgage can provide a monthly income until both spouses leave the house permanently, thus reducing your net annual expense an...
by TravelforFun
Mon Aug 14, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 10
Views: 930

Re: MiFi for International Travel

I used Skyroam the last couple of times I went to Europe and Asia. They worked great both times but it seemed the battery drained a lttle too fast the second time. $10 a day, unlimited data, and 5 devices can connect to it.
by TravelforFun
Mon Aug 14, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 121
Views: 7302

Re: Bitcoin

Malinois000 wrote:
Sun Aug 13, 2017 2:33 pm
I have a friend who purchased 100 shares of GBTC (ETF) at $200 several months ago. It closed at $616 on Friday. It's hard not to consider this asset class as a potential for at least a small percentage of your funds.
It went up to $760 this morning.
by TravelforFun
Mon Aug 14, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3121

Re: How long to keep IRA records?

I don't keep my IRA records. I get Form 1099 R from my brokerage house for my IRA distribution and I use that to file my tax return. IRA distribution is taxed as regular income anyway.
by TravelforFun
Fri Aug 11, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: $50k loan from 401k for house
Replies: 21
Views: 1480

Re: $50k loan from 401k for house

MoR, I'll try to break down your example and compare 401K loan scenario vs. regular loan scenario. Example: 4% interest of 50k is 2k per year in interest. Let's say your tax bracket is 25% so you have to make 2.5k before tax money to pay that interest (you pay all loan interest with after-tax money ...
by TravelforFun
Fri Aug 11, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: $50k loan from 401k for house
Replies: 21
Views: 1480

Re: $50k loan from 401k for house

- 401k loan forces you to pay tax twice or you pay the loan with after-tax money and you pay taxes again when you withdraw from 401k. Well, the reality is that you pay all loans with after-tax money, and of course, you always pay taxes on 401k withdrawals so there is no difference. I always thought...
by TravelforFun
Fri Aug 11, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2744

Re: Bough gift cards from cash card.com and somebody else used them all

A quick search shows that many people have similar complaints: https://www.bbb.org/new-jersey/business-reviews/prepaid-debit-credit-cards/cardcash-com-in-brick-nj-90028712 Out of curiosity, why do you buy gift cards to use yourself? Are you able to buy them at less than face value? Asking because I...
by TravelforFun
Fri Aug 11, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: $50k loan from 401k for house
Replies: 21
Views: 1480

Re: $50k loan from 401k for house

I have taken out 401k loans many times in my life but I only did it when I really needed the money, I felt that my job was safe, and I couldn't borrow a lower-interest loan from another source. Let me debunk a few myths about 401k loans. - 401k loan forces you to pay tax twice or you pay the loan wi...
by TravelforFun
Thu Aug 10, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3629

Re: Health Savings Account

No question HSA is the best way to invest your money. Money goes in and comes out tax-free both way if you use it to pay medical costs. Invest in it long enough and it would become your long term care insurance. Too bad I don't have a high deductible plan at work. Also, money sitting in HSA and Roth...
by TravelforFun
Thu Aug 10, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5539

Re: "Upper Middle" Class - ditch WLI or ride it?

Stop contributing to the 401K (you still get employer's contribution) and pay off the car ASAP.
by TravelforFun
Thu Aug 10, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15226

Re: Tesla - next big lottery ticket ?

This is what Ballmer said in 2007: "I said that is the most expensive phone in the world. And it doesn't appeal to business customers because it doesn't have a keyboard. Which makes it not a very good email machine. ... Right now, we're selling millions and millions and millions of phones a year. Ap...
by TravelforFun
Thu Aug 10, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15226

Re: Tesla - next big lottery ticket ?

Valuethinker wrote:The first iphones were not perfect devices-- but it didn't matter, because they were the future.
The first iPhones were perfect for their time and they embarrassed the heck out of Steven Anthony Ballmer.
by TravelforFun
Wed Aug 09, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8715

Re: When does renting make sense

I don't know any rich person who rents. I know two personally and know of another one. A friend of mine is a physician and as has been the case with some in recent years, his practice of several decades suffered reversals, so he accepted a position at a hospital in another state for five years unti...
by TravelforFun
Tue Aug 08, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8715

Re: When does renting make sense

I look at it this way. If you rent, you pay rent each month for the rest of your life. If you buy, you pay a higher rent for the first 15-30 years, then you live rent free in a paid-for house and that paid-for house could be a significant part of your asset. Do you not consider property taxes, majo...
by TravelforFun
Tue Aug 08, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8715

Re: When does renting make sense

I look at it this way. If you rent, you pay rent each month for the rest of your life. If you buy, you pay a higher rent for the first 15-30 years, then you live rent free in a paid-for house and that paid-for house could be a significant part of your asset. Do you not consider property taxes, majo...
by TravelforFun
Tue Aug 08, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8715

Re: When does renting make sense

I look at it this way. If you rent, you pay rent each month for the rest of your life. If you buy, you pay a higher rent for the first 15-30 years, then you live rent free in a paid-for house and that paid-for house could be a significant part of your asset. Which scenario is more financially advant...
by TravelforFun
Mon Aug 07, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 4321

Re: Beach condo investing

Watch out for the HOA board. I bought a new and beautiful three-bedroom beachfront condo in South Padre Island in 2006 as a rental property, and everything was great until the board changed. A bunch of retirees who lived on site got on the board and started changing rules regarding rentals making it...
by TravelforFun
Mon Aug 07, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

Early forecast: 20% rain on August 21st in the Nashville area.
by TravelforFun
Sat Aug 05, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: Roth conversions after start of SS benefits (for low expense couples)
Replies: 16
Views: 1494

Re: Roth conversions after start of SS benefits (for low expense couples)

#Cruncher, your table has 4 columns. What are the last three columns on the right?
by TravelforFun
Sat Aug 05, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 1684

Re: only have 401k & emergency funds. what's next?

OP, what's your annual expense now that you're in an apartment? $270k income should yield $180k take home and if you could get by with $80k per year, you should be able to throw $100k at your your debts. I would invest just enough to get the 401k match and throw everything at your debts. You could b...
by TravelforFun
Fri Aug 04, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15226

Re: Tesla - next big lottery ticket ?

700,000 people have put down $1,000 deposits on the Tesla 3. Motortrend Magazine calls it 'Car of the Decade'. Tesla solar roof looks very promising, and to some, Elon Musk is Steve Jobs reincarnated. Trust Musk. 10 million people bought actual physical real cars from GM last year. And GM will sell...
by TravelforFun
Fri Aug 04, 2017 7:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 28953

Re: Your USER NAME...what does it mean?

I hated business travel.
by TravelforFun
Fri Aug 04, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

Juliajones54 wrote:We live in a suburb of Kansas City, KS and will be in the 99% path. Our question is whether to drive 10 miles for 100% or just stay in our backyard!
I'll fly 700 miles just to be around 10 miles of the totality path.
by TravelforFun
Fri Aug 04, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can my wife afford to stay home?
Replies: 36
Views: 2134

Re: Can my wife afford to stay home?

Emergency funds: Three to six months of expenses Debt: None Tax Filing Status: Married Filing Jointly (112,000) His income: $56,000 (75k after overtime) Her income: $37,000 Tithe: 10% Tax Rate: 25% Federal, 0% State State of Residence: WA Age:30/28 Desired Asset allocation: 80% stocks / 20% bonds D...
by TravelforFun
Thu Aug 03, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15226

Re: Tesla - next big lottery ticket ?

700,000 people have put down $1,000 deposits on the Tesla 3. Motortrend Magazine calls it 'Car of the Decade'. Tesla solar roof looks very promising, and to some, Elon Musk is Steve Jobs reincarnated. Trust Musk.
by TravelforFun
Sun Jul 30, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide if you can afford something?
Replies: 63
Views: 3613

Re: How do you decide if you can afford something?

I would suggest this metric for the conservative Boglehead: based on your current monthly income, can you "afford" to pay a monthly finance payment for the car, washing machine, etc (basically any non real estate purchase) based on a five year loan? If yes, then you can afford it. Pay cas...
by TravelforFun
Fri Jul 28, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: My life so far, my student loan refinancing, and my next steps
Replies: 8
Views: 891

Re: My life so far, my student loan refinancing, and my next steps

Everybody is different but my priorities would be: 1) Contribute to 401K just enough to get the match. If no match, no contribution. 2) Build up a 3-month of expenses or emergency fund 3) Max out a Roth IRA for one spouse 4) Max out the Roth for the other 5) Paying off debts except the house 6) Payi...
by TravelforFun
Thu Jul 27, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City

A couple of thoughts regarding eclipse traffic: 1. Traffic is expected to be so bad it's being compared to the "zombie apocalypse". https://www.nbcnews.com/mach/science/solar-eclipse-day-could-resemble-zombie-apocalypse-ncna785411 2. Thinking you'll be able to get around the big jam using...
by TravelforFun
Wed Jul 26, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City

LeeInTN wrote:Check out Two Rivers Park - it is on high ground (relatively speaking) and has a fair amount of open space. It is near the airport.

Thanks.
by TravelforFun
Wed Jul 26, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City

When seeking "facilities" during the wait-period, consider some of the state parks within the totality zone. Also, Interstate rest areas and Welcome Centers (Tennessee and Kentucky) have lots of parking plus facilities, so those could potentially be useful for travelers. However, the ligh...
by TravelforFun
Wed Jul 26, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6181

Re: Where to View Total Eclipse? - Kansas City

We are flying to Nashville, in part because DH has always wanted to go there anyway. We are also flying to Nashville, a short trip from Memphis. Our room reservation for Sunday evening is refundable, so I plan to check the weather forecast the Saturday before. If it's cloudy in Nashville, we will c...
by TravelforFun
Sun Jul 23, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 4941

Re: Approaching major milestone, need cool-headed advice

Option 3. I did not read all the comments on this thread but I think you should talk to your employer about going part time. Would they allow you to reduce your hours and responsibilities? Would they allow you to keep your benefits while working says 25-30 hours a week? If your employer values your ...
by TravelforFun
Sat Jul 22, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about buying a house in South Bay Area...
Replies: 34
Views: 2963

Re: Thinking about buying a house in South Bay Area...

Carefreeap wrote:
Actually I think a significant earthquake which damages a lot of properties will INCREASE values due to even less supply.

But the demand would be gone. Who wants to rush into an earthquake stricken area to buy properties right away?
by TravelforFun
Sat Jul 22, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about buying a house in South Bay Area...
Replies: 34
Views: 2963

Re: Thinking about buying a house in South Bay Area...

I can't imagine more overpriced real estate right now then bay area. Absolutely no way I'd buy into the current bubble. 1+mil for crappy little houses in a super HCOL area that would not rent for $1000 a month in most areas in the U.S. These kind of anomalous home prices are unsustainable and almos...
by TravelforFun
Sat Jul 22, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1088

Re: if spreadsheet with account balances goes to hackers?

It all depends on the balance amount. If it's only a few thousands, no one would bother you but if it shows tens of million of dollars, I'm sure the bad guys will be tempted.
by TravelforFun
Sat Jul 22, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Going from 1099 to W2 and having trouble with cash flow
Replies: 9
Views: 498

Re: Going from 1099 to W2 and having trouble with cash flow

His take-home at 776 on over $6000 gross is way too low, even with the hefty 401k. Max 401k (18,000) in 5.5 months is twice what you show. Maybe it's 2 x 776 per month? Paycheck calculator is showing semi monthly: 3125 gross 579.74 federal withholding 193.75 social security 45.31 medicare 95.94 sta...
by TravelforFun
Sat Jul 22, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3073

Re: Commuters (that drive), what do you listen to?

NPR. I listen to it 20 minutes each way, twice a day, three days a week, and suffer two-week withdrawals twice a year during their fundraising campaigns.