Search found 376 matches

by TravelforFun
Sat Sep 24, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 44
Views: 3268

Re: has anyone leased a luxury/sport car to get it out of their system?

Fancy sport car and dirt road? Time to get together with neighbors and use some of that $2.3M to pave that road! Lol.
by TravelforFun
Fri Sep 23, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 31
Views: 3443

Re: Can adult child gift money back to parent?

If we want to help an adult child with a house down payment, but the child does not want a gift and would rather pay us back over time (yes, basically the child would prefer a loan rather than gift), could we gift the $28,000 limit to the child and allow child to gift money back at a later date or ...
by TravelforFun
Fri Sep 23, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 26
Views: 1707

Re: Cancun, Grand Cayman or Other Caribbean Islands

Thank you to all. I just realized that I have some free night at IHG, which will be good for the Intercontinental Cozumel. Cozumel is close by, but it is on an island of its own. Is that safe area too? Also, how to you get there from Cancun airport? Will transportation be more of an issue? Cozumel ...
by TravelforFun
Fri Sep 23, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 113
Views: 8161

Re: The Trouble with "Buy and Hold"

Didn't read all the posts but my question for the OP is: If you don't buy and hold, when do you sell? And when do you buy back in?
by TravelforFun
Fri Sep 23, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 26
Views: 1707

Re: Cancun, Grand Cayman or Other Caribbean Islands

Cancun is beautiful and safe if you stay in the hotel zone, a large area with hotels, restaurants, and shops. Beaches are white and clean, and the water warm. Flights to Cancun are not very expensive and some of the all-inclusive deals are hard to beat.
by TravelforFun
Tue Sep 20, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 205
Views: 19141

Re: The Bogleheads' "100 Things Worth Every Penny" List

A cup of Starbucks and a copy of the NY Times on a Saturday morning.
by TravelforFun
Sun Sep 18, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving enough to retire comfortably? See my Excel model
Replies: 19
Views: 3058

Re: Am I saving enough to retire comfortably? See my Excel model

If you can maintain your lifestyle with a 2% withdrawal rate, you've got nothing to worry about.
by TravelforFun
Sun Sep 18, 2016 12:43 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 85
Views: 5292

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Anyone stayed in Atrani on the Amalfi Coast? If so, any recommendations on where to stay, rental-wise? There are numerous villas on the Amalfi Coast that you can rent depending on the size of your group and your budget. We stayed in a villa in Praino, a town halfway between Positano and Amalfi. Gor...
by TravelforFun
Sun Sep 18, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 85
Views: 5292

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Anyone stayed in Atrani on the Amalfi Coast? If so, any recommendations on where to stay, rental-wise? There are numerous villas on the Amalfi Coast that you can rent depending on the size of your group and your budget. We stayed in a villa in Praino, a town halfway between Positano and Amalfi. Gor...
by TravelforFun
Sat Sep 17, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Alternative to Traditional Retirement
Replies: 16
Views: 2241

Re: Alternative to Traditional Retirement

I went through that last year. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=163988 I'm still on four-day weeks (33 hours) which keeps full medical benefits. Tentatively targeting 1/2017 as the full retirement point. When it gets closer, I will see if my management has interest in arrang...
by TravelforFun
Fri Sep 16, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Alternative to Traditional Retirement
Replies: 16
Views: 2241

Re: Alternative to Traditional Retirement

I'll be 65 in a few months and my wife is 4 years younger than me. I've been thinking about hanging it up because working full time doesn't allow me time to do anything else, but I've been hesitating to pull the trigger since I like what I do and want to stay mentally sharp. I had conversations wit...
by TravelforFun
Fri Sep 16, 2016 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Day Trading - Where To Start? (Coaching)
Replies: 23
Views: 1921

Re: Day Trading - Where To Start? (Coaching)

I did it for a while. I can let you skip the tedious stuff that takes so much time to learn. 1) Go to the bank 2) Get $4000 in 100 bills 3) Come home and stand over toilet 4) Throw money in toilet 5) Flush This would be cheaper than my bout with day trading. Day trading is absolutely NOT investing....
by TravelforFun
Thu Sep 15, 2016 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: What is the SWR for shorter retirements?
Replies: 4
Views: 732

Re: What is the SWR for shorter retirements?

schmitz wrote:It seems the typical SWR for a 30 year retirement is 4%.
But what is it for shorter time periods, like 15 or 20 years?

How do you know you are going to have a short retirement?
by TravelforFun
Tue Sep 13, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 44
Views: 5049

Re: What shape is your net worth curve?

If you plot your asset over a long period of time (30 years or more) you would have to use a log scale. This is what I use.
by TravelforFun
Sun Sep 11, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Alternative to Traditional Retirement
Replies: 16
Views: 2241

Re: Alternative to Traditional Retirement

I'll be 65 in a few months and my wife is 4 years younger than me. I've been thinking about hanging it up because working full time doesn't allow me time to do anything else, but I've been hesitating to pull the trigger since I like what I do and want to stay mentally sharp. I had conversations wit...
by TravelforFun
Sat Sep 10, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 1736

Re: Traveling to Italy and renting a vehicle -- auto insurance?

I rented a car in Naples and drove down to the Amalfi Coast, stayed there for a few days then returned it. This was four years ago. I bought the insurance that the rental place offered and the price was reasonable.
by TravelforFun
Sat Sep 10, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Alternative to Traditional Retirement
Replies: 16
Views: 2241

Alternative to Traditional Retirement

I'll be 65 in a few months and my wife is 4 years younger than me. I've been thinking about hanging it up because working full time doesn't allow me time to do anything else, but I've been hesitating to pull the trigger since I like what I do and want to stay mentally sharp. I had conversations with...
by TravelforFun
Thu Sep 08, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: LTC Quandary
Replies: 32
Views: 2840

Re: LTC Quandary

After a little research on the numbers, I am seriously considering dropping the LTC in favor of self-funding any future long-term care, if it's even needed at all. And will just have to assume the total premium of $10,656 paid to date is gone, but did cover me for the past four years, and that was ...
by TravelforFun
Thu Sep 01, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity Payment
Replies: 7
Views: 858

Re: Annuity Payment

How is this 6% ??? They hold the money for 6 years. Then they pay your $521 a month for 25 years which is $156,300 That is a total gain of 56,300 over 31 years. Looks more like less than 1.5 % to me (1.015^31 = 1.58...) You don't wait 36 years to get $156K. You get $521 a month starting on the 72th...
by TravelforFun
Thu Sep 01, 2016 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Annuity Payment
Replies: 7
Views: 858

Re: Annuity Payment

Taylor Larimore wrote:TravelforFun:

The annuity payment to you is interest, return of principal and mortality credits from others who die early. It is not the same as interest on most investments.

Best wishes.
Taylor

Understood!
by TravelforFun
Wed Aug 31, 2016 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity Payment
Replies: 7
Views: 858

Annuity Payment

So I entered the following information into an annuity calculator: Premium: $100,000 Husband's age: 64 Wife's age: 60 Husband's age when payment begins: 70 The calculator shows that I can get 25 years of payments of $521 per month. That works out to be a 6% annual interest. Is this true? May be we a...
by TravelforFun
Sun Aug 28, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2456

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cre...
by TravelforFun
Sun Aug 28, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2456

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cre...
by TravelforFun
Wed Aug 17, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3611

Re: How to Prepare for Old Age When You Don’t Have Kids

Everyone should prepare for old age as if they don't have kids. Planning on your kids to take care of you, in any form or fashion, is a poor plan at best, not to mention arguably selfish. I agree! We don't want to burden our kids now or in our old age. This is the main reason why we bought a LTC in...
by TravelforFun
Sat Aug 13, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2115

Re: Are there any smart ways to pay off a credit card?

Pay $3,250 now and the other $3,250 over 6 months. We are talking about less than $120 interest here. Focus on the main problem which is you have allowed CC balance to accumulate. You must keep the spending under control or this problem will return again.
by TravelforFun
Sat Aug 06, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: unexpected accelerated retirement (next week), checklist?
Replies: 25
Views: 2512

Re: unexpected accelerated retirement (next week), checklist?

I didn't read all the posts but I'd add a few more suggestions: 1) copy all your work on a portable hard drive and take it with you if it's allowed by your employer, 2) if you have been using your company cell phone for a long time, ask to keep the number, 3) let all your business contacts know how ...
by TravelforFun
Sat Aug 06, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Help for 60 year old
Replies: 11
Views: 1462

Re: Help for 60 year old

I'm in my early 60s and 70% in stock. Reasons: I'm still working, will not need income from my investment for a while, and have a high tolerance for risk. I cruised through the last three market crashes without losing any sleep.
by TravelforFun
Sat Aug 06, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 52
Views: 4857

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

Then let's compare apples to apples. Usually the math says "okay for a Roth, you really only have 3750 a year to invest because you have to pay taxes". But that's absurd. Let's look at a 25% marginal tax rate person who is going to end up being 25% marginal tax rate in retirement. They ha...
by TravelforFun
Sun Jul 31, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Re: Merging PDF Files

MossySF wrote:To print from a website to 1 gigantic page, make a custom paper format in the PDF driver that is 8.5" x 100000000000000000000000000".

This did it! Thank you MossySF.
by TravelforFun
Sun Jul 31, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Re: Merging PDF Files

AlohaJoe wrote:
You should probably mention what type of computer you are using, so that suggestions can be more targeted.

I have a PC running Windows 10. I'll try what you suggested. Thanks.
by TravelforFun
Sun Jul 31, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Re: Merging PDF Files

Yes, that's a different question. Do you mean that you want to save an online article viewed in your web browser? PDF has difficulties when converting to/from other formats. Instead, go directly from your browser to word processor. If you own MS Word, google "ms word import web page". If ...
by TravelforFun
Sun Jul 31, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Re: Merging PDF Files

May be I didn't ask the question correctly. When I want to save an online article that has text and pictures, I print or convert it to PDF but it usually produces several pages and sometimes the pagination cuts off the pictures or text. Is there a way that I can convert the article to one continuous...
by TravelforFun
Sun Jul 31, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Re: Merging PDF Files

triceratop wrote:If you are on Linux, then ImageMagick's "convert" tool can handle this job quite easily.

Wish I had Linux.
by TravelforFun
Sun Jul 31, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Re: Merging PDF Files

Anyone knows how to merge several pages of PDF into one long continuous page? Online tools I found would merge PDF files into one file but the file would have several pages and I only want one page even though it's a long page. If it's just text, you could just copy and paste the contents into a wo...
by TravelforFun
Sun Jul 31, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1038

Merging PDF Files

Anyone knows how to merge several pages of PDF into one long continuous page? Online tools I found would merge PDF files into one file but the file would have several pages and I only want one page even though it's a long page.
by TravelforFun
Fri Jul 29, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2494

Re: Buying a used DSLR Suggestion

I currently have an about 8 year old Nikon D40 with a Sigma 28-50mm lens (Cheap) and a Nikkon 50-200mm lens (nice). We are doing a road trip across Germany in September and were thinking of upgrading. I was thinking of a budget in the $400-$500 range. This is leading me to the conclusion that a use...
by TravelforFun
Fri Jul 29, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our beach house?
Replies: 11
Views: 1784

Re: Should we sell our beach house?

I'd sell it. You bought an investment property but it hasn't appreciated as much as your other investments have and now you're getting tired of dealing with maintenance issues. Selling it would allow you to diversify not only your investments but also your life i.e. you would be able to go to any be...
by TravelforFun
Wed Jul 27, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 85
Views: 5292

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

If you go to the Amalfi Coast, spend at least a week there to really explore the area and all the little towns. Don't forget to take the ferry to Capri.

http://www.bocung.com/amalfi_coast_2011.html
by TravelforFun
Tue Jul 26, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76792

Re: What's Your Credit Card Rewards Strategy?

My strategy is my time is for loving my family. Not wasting my time on slick deals. I will always have enough for everything I would ever want. Those who "save" more money, end up paying it as taxes or to charity. I am up for debate if anyone wants to challenge that. Its an open invitatio...
by TravelforFun
Mon Jul 25, 2016 7:00 pm
Forum: Investing - Theory, News & General
Topic: Theory only... when to stop 401k contribution
Replies: 46
Views: 4410

Re: Theory only... when to stop 401k contribution

5) It depends on the marginal tax rate. At 25% and above, it is hard to argue against Trad. 401K contribution unless the 401K expense is extremely horrible. See (1). At 25% marginal tax rate, all those options pay a lot more taxes. KlangFool, my point was that everybody's situation is different and...
by TravelforFun
Mon Jul 25, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb: Max House Value as % of Net Worth?
Replies: 79
Views: 5725

Re: Rules of Thumb: Max House Value as % of Net Worth?

What are some good prudent rules of thumb for one's max house value as a % of net worth? It seems a lot of people think about it from an income perspective, but I have not come across a rule of thumb for net worth. What could you do with that number? If it were decided that that number is 1 or some...
by TravelforFun
Mon Jul 25, 2016 6:36 pm
Forum: Investing - Theory, News & General
Topic: Theory only... when to stop 401k contribution
Replies: 46
Views: 4410

Re: Theory only... when to stop 401k contribution

I know its always best to max out your 401k, but at what point is your balance large enough that maxed contributions are insignificant?? Again... just for fun and discussion, what is the magic amount when gains totally overshadow contributions? flatfoot, Unless you like paying a lot of taxes, WHY w...
by TravelforFun
Sun Jul 24, 2016 11:29 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 9043

Re: Reliving the Nightmare of the Crisis

I lived through the double-digit inflation of the 1970s. I know what inflation feels like. Could you describe in some detail, and compare with the inflation in home prices, rents, and tuition that we see today? LOL. I was there. The sky is falling! Nobody will ever get ahead at anything! You kids d...
by TravelforFun
Sun Jul 24, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 21
Views: 2430

Re: What type of new driveway should I get?

Whatever you do, make sure you have good drainage. No standing water on or at the edge of the driveway after a rain.
by TravelforFun
Sun Jul 24, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Double Walled Stainless Steel tip for Fans of the Cocktail
Replies: 7
Views: 797

Re: Drink faster

daveatca wrote:My friends/neighbors think Yeti is the greatest.
http://yeti.com/rambler-lowball/

Under tests, Yeti and Rtic performed the same but Yeti is much more expensive.
http://charlottescornercafe.com/yeti-vs-rtic/
by TravelforFun
Sat Jul 23, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 9043

Re: Reliving the Nightmare of the Crisis

Not related to the market crashes but I always remember the thread about people putting all their money in the wrong basket. I'm talking about GTAT, a then rising company that was making glass for iPhone but got the rug pulled out from under them leaving a bunch of investors dead in the water. Here ...
by TravelforFun
Thu Jul 14, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Personal Glide Path
Replies: 7
Views: 891

Re: Personal Glide Path

Way too conservative for me! I'm gliding down to 70/30 (70% stock / 30% bond) when I reach age 70 which is just a few years from now. Reasons: 1) I don't lose sleep when market crashes, 2) 30% bond would last me 10 years since I plan on withdrawing 3% per year to supplement SS and that should give m...
by TravelforFun
Sun Jul 10, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: How do I use stopovers and open-jaws to get the most out of travel?
Replies: 8
Views: 1163

Re: How do I use stopovers and open-jaws to get the most out of travel?

I've never heard of the term "open jaw" before but we use it every time we go to Europe. The last time we went (past April), we flew into Brussels, traveled to Amsterdam, Prague, Vienna, Budapest, Munich, Aneccy, and Paris using a combination of car and train rides.Then we flew home from P...
by TravelforFun
Sun Jul 10, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my rental and pay down primary mortgage
Replies: 17
Views: 1458

Re: Should I sell my rental and pay down primary mortgage

If your house were paid for, would you borrow on it to buy the rental? So yes sell the rental and sure, selling the rental will reduce the size of your real estate portfolio.
by TravelforFun
Wed Jul 06, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4160

Re: Should I Go After American Airlines?

I wouldn't go after AA because I've dealt with them before and their customer service can range from incompetent to scum. They hide their resolution people behind email that is limited to 1500 characters. 1500 characters ought to be enough to explain this type of problem. In general, the more you w...

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