Search found 2176 matches

by travellight
Mon Feb 08, 2016 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on my next Rental Investment
Replies: 8
Views: 769

Re: Need advice on my next Rental Investment

It can be a lot of work to manage that many separate people. Just make sure you are up for it. Do you have experience in this and how has that been?

I did an LLC and umbrella liability and paid extra for good liability on the house insurance as well.
by travellight
Fri Feb 05, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 82
Views: 4856

Re: Do you use the service of a CPA or you do your tax yourself?

I have used a CPA for years but the price has gone up beyond what I want to pay (almost $1500). I am single, salaried and have 6 rental properties but I think TT or Taxact could handle those rentals.
by travellight
Sun Jan 31, 2016 10:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273794

Re: What Movie Have You Recently Watched?

I watched a documentary about Michael Jackson and the making of the off-the-wall album directed by Spike Lee last night. I really enjoyed it and it's coming out on Showtime on February 5. This morning I watched a movie called love and friendship directed by Whit Stillman that I also enjoyed greatly.
by travellight
Thu Jan 28, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273794

Re: What Movie Have You Recently Watched?

I am at the Sundance film Festival and just saw two notable films. One was called Frank and Lola which was a psychosexual film noir that was very well done. Michael Shannon was phenomenal in this role. The second film is called Swiss army man and it is quite possibly the most bizarre weird film at S...
by travellight
Thu Jan 28, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 3024

Re: wife needs phone. Android, iPhone or Windows phone?

I am another Windows phone lover. I have the iPhone 6 from work and the pictures taken are much better with my windows phone. I tried the Samsung S6 and the Bluetooth function was significantly worse than with my windows phone. The camera and blue tooth functionality are two of the most important fe...
by travellight
Sun Jan 24, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7240

Re: What was your biggest unexpected home expense?

yes, I did say it snowballed. One thing led to another and the opportunity cost ended up being high. If you're doing this, then you might as well do that because they are connected. Ended up being an entire exterior remodel... roof, windows (not even all of them, about 1/3), skylights (25K in just t...
by travellight
Sun Jan 24, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 207
Views: 10557

Re: Do you pay for exercise?

I pay $95/year for my gym membership. It's awesome.
by travellight
Sun Jan 24, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273794

Re: What Movie Have You Recently Watched?

I'll be me, about Glen Campbell and Alzheimers. Really terrific film and I developed great appreciation for him, his music, and his openness in sharing this very challenging ordeal.
by travellight
Sun Jan 24, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7240

Re: What was your biggest unexpected home expense?

Roof and redoing the entire exterior due to vertical siding and peeling paint/failure. It snowballed so that I ended up replacing windows as well since I was doing the other stuff. Total cost was about 250k.
by travellight
Wed Jan 20, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4541

Re: New neighbor turning their house into vacation rental

I also think it will likely be less traffic than someone living there full time. Imagine if he sold it and a loud obnoxious neighbor moved in full time.... not much you could do about that either.
by travellight
Mon Jan 18, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 3556

Re: Taxact breached as well - just saw an article in wsj

why choose taxact or turbotax over free fillable forms?!
by travellight
Sun Jan 17, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: How long can I let my car "sit" on vacation?
Replies: 47
Views: 3958

Re: How long can I let my car "sit" on vacation?

I have left my car for two or three months without a problem. This time though it is been four months and I'm already aware of the battery is dead. I'm hoping it'll work with just a jumpstart.
by travellight
Sat Jan 16, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: Does net worth and age determine % bond allocation?
Replies: 52
Views: 5187

Re: Does net worth and age determine % bond allocation?

I like the concept of need, ability, and desire to take risk. I recently thought this through and went to zero percent in pure bonds due to my ability to take risk. I am 54. All of my allocation is in retirement funds; I have no taxable portfolio. Due to pension and real estate holdings, I felt that...
by travellight
Thu Jan 14, 2016 1:06 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2015 Premier vs. Deluxe
Replies: 8
Views: 1526

Re: TurboTax 2015 Premier vs. Deluxe

Thanks Toons.... I think for $15 difference, I would just splurge and get the deluxe version that does the max. It wouldn't be worth it to put all the effort in and fall short.
by travellight
Thu Jan 14, 2016 1:01 am
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11547

Re: Tough Frugal Decisions

I turned off heat and hot water to my home during my years in Baltimore and could see my breath in the winter as it was so cold. I stayed in bed all the time that I was home in the winter under about 10 blankets if it was cold. I luckily was able to shower at work and just brushed and washed my face...
by travellight
Wed Jan 13, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Lima, Peru advice
Replies: 23
Views: 1939

Re: Lima, Peru advice

Eat at Astrid y Gaston and have their ten course tasting menu if they still have it. It was about $50 per person 4 years ago.
by travellight
Wed Jan 13, 2016 3:13 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2015 Premier vs. Deluxe
Replies: 8
Views: 1526

Re: TurboTax 2015 Premier vs. Deluxe

Is there a significant price difference?
by travellight
Tue Jan 12, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Home window quotes
Replies: 16
Views: 1497

Re: Home window quotes

I am also window shopping right now and looking at Milgard windows. Planning to use the independent installer recommended by the local window company.
by travellight
Tue Jan 12, 2016 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23502

Re: Credit Card Rewards (Travel)

thanks for the feedback! I think I'll take another run at the swa CP.
by travellight
Sun Jan 10, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23502

Re: Credit Card Rewards (Travel)

I'd like another Southwest run but it seems that timing is best done in the 4th quarter of the year to get the companion pass for 2 years? I am also waiting to do the Prestige in mid year so I can do the $250 flight credit twice. Looking to find a card to do now; I just ran through the United explor...
by travellight
Sun Jan 10, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23502

Re: Credit Card Rewards (Travel)

I also just see 25k for Starwood. What about the Fairmont card that gives 2 nights at a Fairmont for $1000 spend?
by travellight
Sat Jan 09, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11547

Re: Tough Frugal Decisions

I was traveling solo as a female when I was 28 and did not like the prices of accommodations in Rome. I spotted 2 American guys also looking and so I approached them and asked if they wanted to split a triple. They said Sure! They ended up being my escorts through the evening and it worked out fine....
by travellight
Sun Jan 03, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: How long to or do(did) you wait(ed) to backdoor non-deduct T-IRA to R-IRA
Replies: 11
Views: 963

Re: How long to or do(did) you wait(ed) to backdoor non-deduct T-IRA to R-IRA

I think a few weeks because I am paranoid. I put it in cash so it would not accrue value.
by travellight
Sun Jan 03, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 5454

Re: How much is your house worth?

zillow , redfin, trulia, and homes.com show a variation of about 400k.
by travellight
Thu Dec 31, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 34
Views: 2274

Re: Ooma Phone Service - I Do NOT Recommend

I had a bad experience with Magic Jack as well. So glad I discovered Google voice and I was able to save/port my phone number. I'll look into obihai.
by travellight
Mon Dec 28, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15098

Re: What is your savings rate?

I am disturbed by my savings rate as I think about it more this morning. It translates to 4X spend on my annual credit cards expenditure which is odd because I put everything on the credit card. There is about 70K unaccounted for, disturbing.
by travellight
Sun Dec 27, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I begin? I make too much to deduct traditional IRA contributions?
Replies: 25
Views: 2713

Re: Where do I begin? I make too much to deduct traditional IRA contributions?

I learned about the back door Roth Ira here and thought it was too good to be true so I researched it for almost a year before I did the transition. I even called the IRS about it. It works!
by travellight
Sun Dec 27, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: Tracking Net Worth, insightful and motivating
Replies: 45
Views: 4078

Re: Tracking Net Worth, insightful and motivating

I started tracking in 2011 only because I think that is when I discovered mintdotcom. I track it weekly since that is how often Mint reports it to me. The past 3 years, my net worth has gone up by more than my entire annual salary each year (2013 was 2.5X). It is useful because I am living it up and...
by travellight
Sun Dec 27, 2015 1:36 am
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7775

Re: Beef roast

It's dangerous (or at least hilarious) when you let engineers loose in a kitchen with measuring devices and graph paper lying around. You guys crack me up!
by travellight
Sun Dec 27, 2015 1:16 am
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15098

Re: What is your savings rate?

I have plummeted to 58.5% of net (income minus property and income taxes). 38.3% of gross. (35% of income goes to taxes, income and property taxes) I think I was at 89.5% of net last year.... not sure how accurate that number is now; I don't have those notes easily available to review. I did spend a...
by travellight
Fri Dec 25, 2015 9:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273794

Re: What Movie Have You Recently Watched?

I think some stuff got lost in translation with me as the communicator, madbrain. I think what he meant was 4k IMAX 3D laser projection. I found this article that cited 7 theaters in the country to best view this movie:

http://www.wired.com/2015/12/best-star-wars-screens/

One of the 7 is in SF.
by travellight
Fri Dec 25, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 99
Views: 7561

Re: Next credit card for a bonus?

more great info here! So from what I understand, one can still churn Citi business cards? And amex has a lifetime limit of one, so it would seem pointless to apply for any more amex cards. I am now waiting on a United airline card to churn. I feel the same way, Victoria.... don't want to waste a 4k ...
by travellight
Fri Dec 25, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273794

Re: What Movie Have You Recently Watched?

I saw Dope on Redbox; loved it. I had wanted to see it last year when I was at the Sundance film festival but couldn't get tickets for it.
by travellight
Fri Dec 25, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273794

Re: What Movie Have You Recently Watched?

I am going to see Star Wars in IMAX 3D at the Chinese theater (where I think it premiered in 1977, Hayden. Can't wait! My son tells me it is one of only 7 such theaters showing Star Wars in the country and only 14 world wide.
by travellight
Fri Dec 25, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6421

Re: [What will you do differently in] 2016

I will try to do my own taxes, at last. It is complicated but I don't want to pay another $1500 next year.

I will plan to live it up a bit and take vacations and spend..... move up from an uber saver to just a normal saver.
by travellight
Thu Dec 24, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 7775

Re: Beef roast

What a great thread! I am now motivated to try popovers in addition to following the prime rib cooking recommendations.
by travellight
Sat Dec 19, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 238
Views: 17247

Re: College Admission Time, What parents need to be aware and how to be helpful

Congratulations!!! That is awesome; everything else will be gravy.
by travellight
Thu Dec 17, 2015 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Buying $795,000 Home
Replies: 37
Views: 4787

Re: Buying $795,000 Home

I think comparable homes in Encinitas rent for about 3K. I would go with the 30 year loan and pay it like a 15.
by travellight
Wed Dec 16, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance versus increasing liability limits on car and renter's insurance
Replies: 12
Views: 1189

Re: Umbrella insurance versus increasing liability limits on car and renter's insurance

I pay less than $350 for my umbrella and it covers 3 million. It is a wider spectrum of coverage.
by travellight
Mon Dec 14, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panels purchase as an inflation indexed bond
Replies: 23
Views: 1802

Re: Solar panels purchase as an inflation indexed bond

As battery storage technology improves, it might be possible to go off the grid altogether in the future.
by travellight
Sun Dec 06, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10923

Re: Flaunt Your High-Mileage Car

2008 Cadillac STS with about 150k miles. I have owned it for about 5 years; bought it for 23k in 2010 at 59k miles. Still looks and drives great.
by travellight
Sun Dec 06, 2015 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on a potential refi (Penfed 5/5 ARM)
Replies: 7
Views: 1010

Re: Advice on a potential refi (Penfed 5/5 ARM)

I am very grateful for my Penfed loan. I did the 5/5 about 3 years ago when it was only 1.99% and I feel like it cost $300 but don't really remember. The experience was the same with lack of personalized service and a haphazard feel but in the end it went through and man, what a great loan. It pays ...
by travellight
Sun Dec 06, 2015 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: My first question - 2nd home
Replies: 15
Views: 1853

Re: My first question - 2nd home

I invest in real estate but for I am a very conservative and cautious investor. These are the questions I ask myself before I buy: -can I afford to pay for all mortgages even if not rented? -am I okay with the work of being a landlord and managing it myself? -does it cash flow to not lose money or e...
by travellight
Sun Dec 06, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Doctor Strategies
Replies: 74
Views: 9288

Re: Doctor Strategies

"Great advice. Do not buy a house with your first job. And don't buy until you have 20% down payment. Also when you do buy, consider a 15 year mortgage instead of 30 year. The payments will be less than 2x due to lower interest rates. But your payments will actually decrease your principal from...
by travellight
Sun Dec 06, 2015 6:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 111095

Re: What are you up YTD? [Year To Date]

^well, define huge. It looks bigger now that you use the word than when I used the word, lol. It's 33% tax bracket pension income, not million dollar huge.
by travellight
Sun Dec 06, 2015 6:24 pm
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 5375

Re: Brilliant Energy-Saving Idea -- Or Just Really Stupid?

Seems to me it could work IF: -electric dryer -don't use fabric softener -dry climate like in Utah with humidity in the teens and you need a humidifier for comfort anyway Seems like efficient recycling of energy providing heat and humidity when you need it in the winter. I would disconnect this in n...

Go to advanced search