Search found 414 matches

by TravelforFun
Mon Dec 05, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 36
Views: 1669

Re: CBP (INS) Global Entry program worth it?

Also note that it may take a while to get your appointment for an interview... Mine is tomorrow, and it was the first available when I signed up in June! This is SFO, which seemed particularly bad on appointment availability. I might have been able to pick up a cancellation sooner, but didn't bothe...
by TravelforFun
Sun Dec 04, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 9871

Re: Feeling like you've "made it"

You're doing fine for a 30-year-old so relax or someone may quote a Ferris Bueller on you, "You're too uptight. If someone stuck a lump of coal up your ___, it would turn into a diamond in a week.". :D
by TravelforFun
Sat Dec 03, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 36
Views: 1669

Re: CBP (INS) Global Entry program worth it?

Also note that it may take a while to get your appointment for an interview... Mine is tomorrow, and it was the first available when I signed up in June! This is SFO, which seemed particularly bad on appointment availability. I might have been able to pick up a cancellation sooner, but didn't bothe...
by TravelforFun
Fri Dec 02, 2016 11:16 pm
Forum: Investing - Theory, News & General
Topic: Howard Schultz stepping down [Starbucks CEO]
Replies: 11
Views: 1465

Re: Howard Schultz stepping down [Starbucks CEO]

Bought SBUX on 12/8/2011 at $43.45 a share. I think I've held them long enough. Will sell on Monday.
by TravelforFun
Fri Dec 02, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 49
Views: 4128

Re: Gift To Self

My gift to myself is always about these things: getting rid of possessions, seeking inner peace, and staying away from the masses. Where they go, I avoid. Getting rid of things makes me feel freer and happier. I used to sell a lot on eBay, but since eBay changed the rules to benefit scam-artist buy...
by TravelforFun
Wed Nov 30, 2016 7:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 54
Views: 3653

Re: livesoft is almost at 50,000 posts...

Average 14 posts a day every day for the last 9 1/2 years. Amazing!
by TravelforFun
Tue Nov 29, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: "behavioral" not financial approach to paying down/off credit cards?
Replies: 38
Views: 2600

Re: "behavioral" not financial approach to paying down/off credit cards?

Roll over all his debts to a 0% balance transfer credit card and try to pay off the CC balance within the term or roll the remaining balance at the end of the term to another 0% card. This is one way to treat the symptom but he needs to eliminate the cause ... stop spending money he doesn't have.
by TravelforFun
Tue Nov 29, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Are we on the right track for retirement?
Replies: 14
Views: 1549

Re: Are we on the right track for retirement?

I would just invest enough in 401k and 403b to get the company matches, and concentrate on the high interest loan. Do not pay off mortgage while you still have the higher, non-deductible hanging over your head.
by TravelforFun
Tue Nov 29, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Credit Card bonuses
Replies: 19
Views: 2429

Re: Credit Card bonuses

I just got a $500 bonus from the chase sapphire preferred and another $500 for my wife. $1000 for doing almost nothing differently was pretty nice. I'm new to this. How many different cards per year can you do this on and not have your credit score drop significantly? I hear stories of people "...
by TravelforFun
Mon Nov 21, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3695

Re: Pre-tax Retirement Accounts and Pensions in Networth

Is calculating net worth really actionable?. Of course it is. Your net worth tells you how close you are to your financial freedom day. This is a question which comes up a lot. Most people would not include the value of their residences in their portfolio because "you'd have to live somewhere....
by TravelforFun
Mon Nov 21, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Take SS at 62 or wait ?
Replies: 74
Views: 7589

Re: Take SS at 62 or wait ?

Having a rule of thumb for SS benefit receiving timing is pointless because everyone's situation is different. Are you single or married? How is your or your spouse's heath? Who is older and by how much? Who has higher PIA? Do you have money to live on if you're delaying? How is your tax situation? ...
by TravelforFun
Sun Nov 20, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7664

Re: Do you track your net worth? How long have you done so?

I've been tracking my net worth monthly since 1977 right after I graduated from college and got my first job. It's fun and motivating to see the liability amounts steadily going down and the asset amount going up. I highly recommend net worth tracking.
by TravelforFun
Sun Nov 20, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3695

Re: Pre-tax Retirement Accounts and Pensions in Networth

Artsdoctor wrote:Is calculating net worth really actionable?.

Of course it is. Your net worth tells you how close you are to your financial freedom day.
by TravelforFun
Sun Nov 20, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: facebook
Replies: 45
Views: 5074

Re: facebook

You bought it at $50? Wow! That's great! I bought at $74 and it's now 6% of my portfolio. I think I'll hang on to it for a while. OP, what percentage of your portfolio was it when you bought? You should have bought 15% when it was $50 and it would likely be 30% of your portfolio today. You can hang...
by TravelforFun
Wed Nov 16, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: facebook
Replies: 45
Views: 5074

Re: facebook

You bought it at $50? Wow! That's great! I bought at $74 and it's now 6% of my portfolio. I think I'll hang on to it for a while.
by TravelforFun
Tue Nov 15, 2016 12:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 22
Views: 2688

Re: Roll Call for the Retirement Class of 2017!

Was going to be in the Class of 17 but worked out a deal with the boss which allows me to work three days a week and keep the benefits. Best of both worlds. Full retirement postponed until further notice.
by TravelforFun
Tue Nov 15, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Age 92 Dad Wants to Boost stocks
Replies: 52
Views: 4858

Re: Age 92 Dad Wants to Boost stocks

Get him on this forum so he can discuss his own finance.
by TravelforFun
Sun Nov 06, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: iWatch, FitBit or...?
Replies: 15
Views: 1247

Re: iWatch, FitBit or...?

There is no iWatch. There is Apple Watch. I have an Apple Watch Series 2 and love it. It tracks everything, reminds you to stand up when you've been sitting too long, and coaches you to do breathing exercises throughout the day. Of course you need an iPhone to utilize all the functions of the Apple ...
by TravelforFun
Thu Nov 03, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11670

Re: Chase Sapphire Reserve

afan wrote: For me "pleasure travel" is an oxymoron.

Not for us. We live to travel. I always have two or three trips lined up at any one time. I guess it's different stroke for different folk.
by TravelforFun
Thu Nov 03, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11670

Re: Chase Sapphire Reserve

I have both Citi Aadvantage Executive and Chase Saphire Reserve card. While the CAE card allows me and my wife access to all American Airlines Admiral Clubs, CSR card only allows me the platinum lounge access unless I pay an extra $75 for my wife to be an authorized user so that she can have the sa...
by TravelforFun
Thu Nov 03, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11670

Re: Chase Sapphire Reserve

I have both Citi Aadvantage Executive and Chase Saphire Reserve card. While the CAE card allows me and my wife access to all American Airlines Admiral Clubs, CSR card only allows me the platinum lounge access unless I pay an extra $75 for my wife to be an authorized user so that she can have the sam...
by TravelforFun
Wed Nov 02, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard still the best place for my account?
Replies: 32
Views: 3563

Re: Is Vanguard still the best place for my account?

Moving our investment portfolio to Vanguard was the best financial decision we ever made. I would consider Vanguard for all your investment purposes and keep everything simple. An advantage is the investor will only need to be familiar with one type of account, policies, tax reporting, fees, accoun...
by TravelforFun
Wed Nov 02, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard still the best place for my account?
Replies: 32
Views: 3563

Re: Is Vanguard still the best place for my account?

Most of my money is invested in Vanguard index funds and kept at Schwab. I transferred my money a few years ago from Fidelity to Schwab for a cash bonus. I pay Schwab $7.50 each time I buy a stock or mutual fund regardless of the quantity. Schwab website is very user friendly and Schwab sends me 4 B...
by TravelforFun
Mon Oct 31, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 3666

Re: which engineering major for renewables

Civil engineer here. I've been a PE for the last 35 years, worked in both public and private sector, and my career has served me well. Through the ups and downs of the economy, I can also say that our work is more stable than other engineering professions.
by TravelforFun
Tue Oct 25, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Custom suit in Thailand (Bangkok or Phuket) or Hong Kong?
Replies: 15
Views: 1651

Re: Custom suit in Thailand (Bangkok or Phuket) or Hong Kong?

Too bad you're not going to Vietnam. I was there a few years ago and a friend took me to a tailor shop. I picked the fabric, they measured me, and I picked up my suits the next day. $100 per wool tailored suit that fits perfectly. I still wear them to work.
by TravelforFun
Sat Oct 22, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 6076

Re: Cheapskate for not flying business class?

rkhusky wrote:Perhaps buy 3 tickets in coach so that you have an empty seat next to you?

Won't work if not all three of you show up at the gate. They will give the middle seat to one of the people on stand by.
by TravelforFun
Wed Oct 19, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 2700

Re: How do you track your portfolio's performance?

I’m guessing there’s a way to track it in Excel, but setting it all up and doing things like accounting for reinvested dividends, etc. greatly exceeds my Excel knowledge. I set up an excel spreadsheet with several tabs to enable me to track my individual investment returns and my total portfolio an...
by TravelforFun
Fri Oct 14, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding RMDs
Replies: 20
Views: 3119

Re: Avoiding RMDs

You need to continuously employed throughout the entire year and eligible to participate in the retirement plan. There's no specific number of hours or job you need to work. You can't generally be a contract employee and must be w2. Some companies require you to work a minimum number of hours to be...
by TravelforFun
Fri Oct 14, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Are you rich? An article by Jonathan Clements
Replies: 19
Views: 6501

Re: Are you rich? An article by Jonathan Clements

I once heard someone said, 'You're rich when you read the restaurant menu from left to right, and not from right to left.'
by TravelforFun
Wed Oct 12, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Admirals Club
Replies: 19
Views: 2997

Re: Admirals Club

susa wrote:3. Status approved in about 2.5 months with proposed Interview

Does it take that long to get the card? I applied online a couple of weeks ago and am scheduled to go to Europe early December.
by TravelforFun
Tue Oct 11, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Replace Fence Posts vs. Replacing Fence
Replies: 18
Views: 1311

Re: Replace Fence Posts vs. Replacing Fence

I have a cedar fence that is probably about 10 years old if I had to guess (installed before we moved in). I have a bunch of posts that are rotting and causing the fence to lean, so I got a quote to replace them. They estimated that I need to replace 13 posts at a price of $2200. I went out there a...
by TravelforFun
Mon Oct 10, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Admirals Club
Replies: 19
Views: 2997

Re: Admirals Club

njboater74 wrote:Does it also get you access to Admiral class shares?

It doesn't take much to qualify for Admiral shares.
by TravelforFun
Mon Oct 10, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Admirals Club
Replies: 19
Views: 2997

Re: Admirals Club

NoGambleNoFuture wrote:Sounds like a more limited (see: worse) version of Chase Sapphire Reserve, naw?

CSR is an excellent card but doesn't give you free checked bags.
by TravelforFun
Mon Oct 10, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Admirals Club
Replies: 19
Views: 2997

Admirals Club

A few months ago, I pulled the trigger and applied for the Addvantage Executive credit card. I paid $450 in advance in exchange for 60,000 American Airlines miles, free checked luggage, TSA pre-check, priority boarding, and access to Admirals Clubs worldwide for one year. I've already took four trip...
by TravelforFun
Wed Oct 05, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 9078

Re: Aging and Spending

I'm retired and my wife is still working. When my wife fully retires in a few years, we hope to take the entire family (including grandchildren) on a big vacation trip somewhere special - perhaps a cruise or such. What stops you from doing that now? Your wife has vacation, right? We take our kids, ...
by TravelforFun
Tue Oct 04, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: First Post: Pay Down Debt vs. Invest
Replies: 8
Views: 623

Re: First Post: Pay Down Debt vs. Invest

I would contribute to 401K enough to get the match and throw the rest of the money at the non-mortgage debts. Focus of the highest-interest debt while making minimum payments on the rest. Good luck!
by TravelforFun
Thu Sep 29, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4376

Re: Retirement based on not on #, but healthcare?

Sidney wrote:Many people wait until they are Medicare eligible to retire.

Don't forget the spouse. I worked with a guy who tried to hang on to his job after he had passed 70 because his wife was 10 years younger than him.
by TravelforFun
Wed Sep 28, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3017

Re: How closely do you check your credit card statements?

sport wrote:I check each item on my credit card bills. I save the receipts and match them against the bill. It only takes a few minutes. I have found errors on occasion. For some reason, the errors never seem to be in my favor.

I do this too and have rarely found errors.
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: 3627

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: 3726

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: 28
Views: 2268

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: 141
Views: 12114

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: 28
Views: 2268

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: 275
Views: 34707

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: 3329

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: 5768

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: 5768

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: 2351

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: 2351

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: 2089

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....

Go to advanced search