Search found 483 matches

by TravelforFun
Fri Mar 24, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 1928

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

itstoomuch wrote:It was the other way around.
We bought stock (Discretionary) in the companies that had products that we prefer. :oops:
Mostly holding cash from sells. Valuations are pretty high in these companies.

Same here. This is how I got, Apple, Costco, Starbucks, and Southwest Airlines.
by TravelforFun
Fri Mar 24, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pretirement
Replies: 18
Views: 1814

Re: Pretirement

By pretirment, I am a referring to a person partially exiting the workforce but not fully. They might pursue a lower paying job that brings more personal satisfaction, work fewer hours, or live in a locale that is more desirable but offers less wages. In other words, earn less money in the pursuit ...
by TravelforFun
Fri Mar 17, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 1598

Re: Autonomous Vehicles and Drone Deliveries

Autonomous vehicles and ridesharing will be so disrupting. People who drive for a living should start looking for another career. Bus companies, parking garage owners will be out of business within the next ten years.
by TravelforFun
Thu Mar 16, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 3/17 in the bottom of original post
Replies: 20
Views: 1719

Re: Shingle concerns with relatively new build

Wind damage? Your home insurance company may give you a new roof.
by TravelforFun
Fri Mar 10, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22552

Re: How to Die

My dad has repeatedly said he wants EVERYTHING and my older sis and brother have told dad they will make sure he gets EVERYTHING. Me, I want to die quietly in my sleep and do not want futile medical treatment nor CPR. My mom has expressed no opinion, but I suspect my older sis and brother will simi...
by TravelforFun
Fri Mar 10, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: When is tax due on IRA distribution?
Replies: 14
Views: 776

Re: When is tax due on IRA distribution?

IRA distribution is just like earned income and the tax withholding on the distribution is optional. I know people who elect to withhold 20% on their distributions and get a big tax refund the following year. Not a good move!
by TravelforFun
Fri Mar 10, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff Student Loans Early? Requesting help.
Replies: 14
Views: 678

Re: Payoff Student Loans Early? Requesting help.

5.875% guaranteed interest is hard to beat. Yes I would use the emergency fund to pay off the loan but you got to be disciplined about replenishing the EF.
by TravelforFun
Wed Mar 08, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Are we ready to buy a house? What should our price range be?
Replies: 56
Views: 3792

Re: Are we ready to buy a house? What should our price range be?

Your mortgage is 40% of your take home pay and that may not be sustainable. I would wait.
by TravelforFun
Wed Mar 01, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 15402

Re: Possibly Financially Independent and Feeling Miserable

OP, you have enough. Start enjoying the fruits of your labor. After we reached our financial freedom number, I cut back on my work hours, we started traveling more to nicer places, giving more to charities, helping our adults kids more, and it feels great! I believe we can continue to do this for a ...
by TravelforFun
Wed Mar 01, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 3076

Re: Favorite survival books?

Last of the Breed by Louis L'amour.
by TravelforFun
Wed Mar 01, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 7882

Re: BH thoughts on Time shares

Watch "The Queen of Versailles" documentary from a few years back, about David and jackie Siegel. David Siegel founded Westgate Resorts, the world's largest time share company. You may feel less excited about timeshares when you're through. :beer I watched it too. Did they rebound and get...
by TravelforFun
Sun Feb 26, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 5788

Re: How should people factor Social Security into their "magic number" with early retirement?

OP, this is how I would calculate my 'magic number': From age 55 to 70, I need $75,000 a year for 15 years until SS or $75K x 15 = $1,125,000. From age 70 on, I only need $55,000 a year since I get $20,000 from SS or $55K x 30 = $1,650,000. Add those two numbers up and you get your magic number of $...
by TravelforFun
Sun Feb 26, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 2852

Re: moving from landscaper/snow plower to diy in retirement

I guess I'm opposite. I became semi-retired late last year and am thinking about getting someone to do my yard so I can have even more free time. 8-)
by TravelforFun
Wed Feb 22, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10410

Re: Vanguard opens special offices for $1 million clients

Off topic but what kind of perks do you get from Vanguard for being a flagship customer? I want to compare them to what I got from Schwab. 25 free trades, access to a financial advisor, access to closed funds are a few of the benefits that are available for the Flagship Customer. Thanks. I'll stick...
by TravelforFun
Wed Feb 22, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10410

Re: Vanguard opens special offices for $1 million clients

Off topic but what kind of perks do you get from Vanguard for being a flagship customer? I want to compare them to what I got from Schwab.
by TravelforFun
Tue Feb 21, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 4885

Re: Does anyone else have (possibly too much) fun dealing with finances?

The reason most people are on this forum is because they love to manage their own finances.
by TravelforFun
Mon Feb 20, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7252

Re: Need advice on girlfriend debt/finances

Has anyone mentioned this couple should take a financial class together to learn how to budget, attack debts, and build wealth? She may change if she has more information.
by TravelforFun
Sat Feb 18, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 2650

Re: Vietnam

I'm from VN. Take me with you and I'll show you around. Lol.
by TravelforFun
Fri Feb 17, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 32121

Re: Two Comma Club

abracadabra11 wrote:+1 member to the club as of yesterday.

Thanks to bogleheads for the help getting there.

Congratulations and welcome to the club!
by TravelforFun
Thu Feb 16, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3765

Re: How do you handle switching your handbag?

My wife purchased a bag from the Louis Vuitton store in Paris a few years ago and I don't think she has gone anywhere without that bag ever since (except for the formal events),
by TravelforFun
Sun Feb 12, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3127

Re: Which 25X is it? [Planning for retirement]

Let put some numbers on the paper so we all can be clear. Say you need $80K a year to live on and your SS benefit, pension, annuities combined give you $60K, you would need $20K a year from your investment. Also say all your investment is in tax deferred accounts like IRAS or 401Ks, you may need to ...
by TravelforFun
Thu Feb 09, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Car for Business Travel
Replies: 15
Views: 803

Re: Personal Car for Business Travel

Even if one was involved in an accident, how would the insurance company know where, and in what capacity the insured was traveling? They don't ask, they don't care, it's all a numbers game to them, and you are one of a 100 claims filed every day. So why open a can of worms by volunteering informat...
by TravelforFun
Thu Feb 09, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Car for Business Travel
Replies: 15
Views: 803

Re: Personal Car for Business Travel

I would call my car insurance first. They may not cover you if you use your car for business.
by TravelforFun
Wed Feb 08, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: London & Prague recommendations
Replies: 15
Views: 1160

Re: London & Prague recommendations

Prague is an awesome place to visit. Beautiful people and city, cheaper than western European countries, and easy to get around. We loved it there.
by TravelforFun
Thu Feb 02, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 6880

Re: Just watched Warren Buffett's new HBO Documentary

bottlecap wrote:In any event, Buffett hasn't really done better than the market for a long while, IIRC. If he can't do it, I know I can't.

JT

$100 invested in SP 500 in 1964 would grow to $2,000 in 2014, same $100 would grow to $2 million if invested in Berkshire Hathaway.
by TravelforFun
Thu Feb 02, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 17
Views: 1866

Re: GEICO discount for Berkshire Hathaway shareholders

Thanks to the OP. They gave me $30 off (on top of other discounts) on my 6-month premium.
by TravelforFun
Mon Jan 30, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 8095

Re: Is joining a country club a character flaw?

livesoft wrote:
TravelforFun wrote:
livesoft wrote:
triceratop wrote:I would consider maxxing out taxable as well before joining the country club.

Better one! :)

Taxable has no maximum limit so how would you max it out?.

You wouldn't join a country club for starters.

Haha ... got it!
by TravelforFun
Mon Jan 30, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 8095

Re: Is joining a country club a character flaw?

livesoft wrote:
triceratop wrote:I would consider maxxing out taxable as well before joining the country club.

Better one! :)

Taxable has no maximum limit so how would you max it out?.
by TravelforFun
Mon Jan 30, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 8095

Re: Is joining a country club a character flaw?

I am intrigued by the idea of joining our fancy local country club even though I don't play golf or tennis. I like the idea of having someplace really close that I can go and get dinner, go to the pool, hang out in sort of luxury, and bump into friends and socialize without having to pre-plan. I th...
by TravelforFun
Sun Jan 29, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4356

Re: Drivers License May not be good for air travel?

TheTimeLord wrote:No one on this forum should be sans a passport. Get one.

You're assuming everyone on this forum has the good health, resources, and desire to travel.
by TravelforFun
Sun Jan 29, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Civil/Struct Engineers. Public Vs. Private Employment
Replies: 21
Views: 1223

Re: Civil/Struct Engineers. Public Vs. Private Employment

Congratulations! There's not a better time to be a civil engeer. I am a PE civil engineer and have spent my 40-plus-year career working in both public and private sector. I started out working for a state DOT, then a couple of private consultants, and now I'm back working part-time for a public agen...
by TravelforFun
Sat Jan 28, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3979

Re: Input on Apple Watch-Buy or Not?

I have a perfectly fine nice Casio watch I wear for everyday use...waterproof, tells great time, barometer, altimeter, etc. I have been weighing an Apple watch purchase, but I am wondering about a couple thing, would appreciate any input: 1)does the constant buzzing of text notifications , emails ,...
by TravelforFun
Sat Jan 28, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5849

Re: Criteria for admittance to the 2-comma club

First milestone - $1 million counting home equity. Second milestone - $1 million in investable assets, ignoring home equity. Approaching third milestone - $2 million if I start counting home equity again! 4th milestone - $2 million in investable assets, ignoring home equity - RETIREMENT! I would on...
by TravelforFun
Fri Jan 27, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a milestone: $500K in Retirement Accounts
Replies: 44
Views: 5876

Re: Reached a milestone: $500K in Retirement Accounts

I enjoy reading this type of post.I still have my old expired passport with $12 student stipend written at the back of it.Every once in awhile I pull it out to show my spoil American kids that I came here with nothing.Although I started investing 15 yrs ago,i hope to reach a two comma milestone in ...
by TravelforFun
Fri Jan 27, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a milestone: $500K in Retirement Accounts
Replies: 44
Views: 5876

Re: Reached a milestone: $500K in Retirement Accounts

Like you, I came to the US with nothing. Got my first job as a dishwasher, then busboy, then waiter working at night while going to school during the day. No school loans, no help from family, school, or government. I graduated and got my first real job and steadily moved up from there. Got married,...
by TravelforFun
Wed Jan 25, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 5982

Re: Refusing to sign or altering hospital billing admission forms?

If you are serious about mitigating this risk, I'd get the forms from the ER's you would most likely visit in your area. Then, sit down and review them with a lawyer that specializes in healthcare law to understand what your precise obligations are under the forms for each local hospital. This woul...
by TravelforFun
Wed Jan 25, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be investing in a 457b plan offered by my job
Replies: 26
Views: 2266

Re: Should I be investing in a 457b plan offered by my job

Are you getting a match on your 457b? If you are, contribute just enough to get the match, otherwise, focus on the loans,
by TravelforFun
Tue Jan 24, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: iPhone: Are Apple Maps as good as Google Maps?
Replies: 30
Views: 2897

Re: iPhone: Are Apple Maps as good as Google Maps?

I use Google Maps exclusively on my iPhone. Love its congestion indicators and real time distance and time to destination feature.
by TravelforFun
Sun Jan 22, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Major Car Rental Issue
Replies: 19
Views: 2005

Re: Major Car Rental Issue

Cruise wrote:OP: Immediately dispute charge with credit card company. Normally, the claimant (Hertz) has 60 days to respond to the dispute. If it fails to respond, the disputed charge is cancelled.

Hertz hasn't charged my card the $2,000 yet. It just asked me to pay.
by TravelforFun
Sun Jan 22, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Major Car Rental Issue
Replies: 19
Views: 2005

Re: Major Car Rental Issue

I'm assuming you declined the rental car insurance - did you use a credit card to pay for the rental car and if so does that offer you any coverage? Otherwise, I would send them a letter outlining that you believe the issue was that they rented you a car with a defective clutch and suggest that the...
by TravelforFun
Sun Jan 22, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Major Car Rental Issue
Replies: 19
Views: 2005

Major Car Rental Issue

So I rented a Hertz car in Brussels last month and 10 miles after leaving the airport, the car broke down. Something was wrong with the clutch (most European rental cars have manual transmissions). We waited two hours for the rental company to send the tow truck, pick us up, and take us back to the ...
by TravelforFun
Thu Jan 12, 2017 11:16 pm
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 243
Views: 42186

Re: When people put all their eggs in the wrong basket

My son-in-law has worked for Lowes since he was in High School. I asked him if he had a 401K and was contributing. He said yes, and has 100% of his 401 K in Lowes stock. I explained the problems with "all his eggs in one basket" and working for the "chicken" that layed the eggs....
by TravelforFun
Thu Jan 12, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 243
Views: 42186

Re: When people put all their eggs in the wrong basket

I remember reading this thread back in 2014. So sad!
by TravelforFun
Tue Jan 10, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 207
Views: 25490

Re: Chase Sapphire Reserve

notoriusjt2 wrote:For those of you who already have this card...

Does the annual fee get billed on the first statement?

Yes. On the first statement.
by TravelforFun
Mon Jan 09, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 2069

Re: Ways to charge money on Credit Card

Bill paying via credit card is nice, but I prefer how they do bill payments where I am now. You take your bill that you receive in the mail and take it to the nearest 7-12 or equivalent (of which there are many, many) and pay cash for your bill there. For me, much easier. How is this easier than on...
by TravelforFun
Mon Jan 09, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 207
Views: 25490

Re: Chase Sapphire Reserve

RubyTuesday wrote:We have $8k to spend... planning on prepaying some things as suggested and the buying wine for the balance. That's something I know we'll use and buying in advance only helps with the expense. :beer

Or you can buy Amazon gift cards from its website. They sell $2,000 cards that don't expire.
by TravelforFun
Sat Jan 07, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 5221

Re: How many $ to self fund long term care?

My mother had long term care insurance, and spent three years in assisted living, and three years in full nursing care. Although she was in a VERY nice place, run by the Sisters of Saint Joseph, no one should ever hope that they get to cash in on their long term care policy. Just as no one should e...
by TravelforFun
Sat Jan 07, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 5221

Re: How many $ to self fund long term care?

I'm not putting aside anything at all for the purpose of long-term care. If I reach the point of not being able to afford the care I need, then I will die. Good bottle of tequila and a lawn chair at low tide. :P Easy to say that now but I think the older people get, the more they're afraid of death.
by TravelforFun
Sat Jan 07, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4064

Re: Anybody else Age - 10 in bonds, rest in stocks

64, 65/35 and will maintain this AA for as long as I can. My safe withdrawal rate will be 3% and this AA would allow me to weather at least 11 consecutive years of down market.
by TravelforFun
Sat Jan 07, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 60
Views: 4406

Re: Alaska cruise - Help me convince my family

I've done many Caribbean cruises but never an Alaskan one because I keep hearing those cruises have mostly older people and it's pretty dead after 8 pm.

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