Search found 2563 matches

by travellight
Mon Apr 24, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 156592

Re: Tesla S

I just ordered a new model S. I had a hard time picking a color and decided to go with pearl white with the white seats. I live in scal and prefer a car that won't retain heat. I had ordered a used tesla s but with the price reduction recently, it ended up being the same price to get the new one wi...
by travellight
Sun Apr 23, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 32
Views: 2506

Re: Becoming a homeowner/landlord in a college town?

I have done this and have had mixed experiences. It is not always awful. With undergrads, I prefer a two year lease to make it worth the effort. You can PM me if you want details. I do one year leases and they pay for the summers and manage that somehow.
by travellight
Sun Apr 23, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 156592

Re: Tesla S

I just ordered a new model S. I had a hard time picking a color and decided to go with pearl white with the white seats. I live in scal and prefer a car that won't retain heat. I had ordered a used tesla s but with the price reduction recently, it ended up being the same price to get the new one wit...
by travellight
Sun Apr 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

I am reconsidering cards with American airlines rewards as they seem to have devalued their product greatly by severely limiting seats.
by travellight
Tue Apr 11, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 73
Views: 6745

Re: Dream vacation spots?

Top 2 on my bucket list left are: -African safari.... saving this for my 60th birthday, and -Galapagos. May do this next year for my birthday. small bucket list items coming up: -staying at the Sonoma mission inn doing the wine country in Sonoma/Napa -staying at the Plaza hotel in NY Some of the oth...
by travellight
Sat Apr 08, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 10173

Re: High Income earners, whats your Tax Strategy?

We own some real estate investments which can help. Although because it's a passive investment and because we make more than the minimum allowed, we can't deduct the tax losses every year from depreciation (and other general losses, though those we try to minimize). However they accumulate over tim...
by travellight
Fri Apr 07, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Wife wants to get into real-estate
Replies: 29
Views: 4733

Re: Wife wants to get into real-estate

Thanks for all the responses. My wife and I made the decision together that she will be a Realtor. She got her license and ready to start. We are mainly looking for advice in terms of how we can leverage her new role from a financial perspective. If it means buying and selling properties, do we nee...
by travellight
Thu Apr 06, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 10173

Re: High Income earners, whats your Tax Strategy?

Which etfs in taxable? I am in vbr and ijs.
by travellight
Thu Apr 06, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5287

Re: Help with college choice

Another vote for Vandy, full tuition. I can afford to send my kid to any school (and he attends an Ivy that is over 70k per year) but I would have been sorely tempted with Vandy with full tuition scholarship. Vandy is a great school from all I hear and doing that for practically free is fantastic. I...
by travellight
Wed Apr 05, 2017 12:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

The prestige concierge has often gone the extra mile and called the hotel and let them know of the lower rate I found on a third party website and the hotel has usually matched and honored the lowest price. Unfortunately, this has not been my experience. One example (of many): I call Prestige to bo...
by travellight
Wed Apr 05, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3345

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

I have to cash out vacation time each year when I exceed 90 days banked. I have exceeded it by a considerable amount the past few years and got large payments. I have to consider though that I pay 50% in taxes of this excess money so it is like I only got to take half of each vacation day so my goal...
by travellight
Tue Apr 04, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

just an fyi.... I like my citi prestige. I will renew it next month. I got back $900 last year due to the 4th night free hotel credit. It is even better than the CSR if used properly imo. (if you are someone who travels frequently with 4 night stays or more) I also have the Prestige also, but I hav...
by travellight
Tue Apr 04, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

At first, I was wondering why you'd chosen the Hyatt Regency in Maui over the (seemingly nicer) Andaz. Then I did an award search for the Andaz and couldn't find anything. For ANY dates during the year. So I did a Google search and found this article. https://thepointsguy.com/2016/05/andaz-maui-mak...
by travellight
Tue Apr 04, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8490

Re: What career helped you become wealthy?

OK, I'll nibble. Personally, at 70+, I have made it to 8 figures but still a long way from 9 figures. Surprisingly many of my childhood buddies seem to have done similarly. I also have a very small handful of friends from childhood who have made it to 9 figures and a couple even to 10 figures. What...
by travellight
Sat Mar 25, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12147

Re: Do you have enough? How I realized yeah I do.

I don't think I'll ever quit enjoying an update to my spreadsheets, but it's slowly dawning on me that I probably don't have to worry much about money (whether I will or not is to be determined). I compulsively update my net worth spreadsheet much more often than monthly, and it's been very depress...
by travellight
Sat Mar 25, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 12147

Re: Do you have enough? How I realized yeah I do.

I didn't have one particular moment but I think it has gradually dawned on me with the calculations that we do here. I have to thank this place for that comfort.
by travellight
Thu Mar 23, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: 100% stocks w/pension?
Replies: 40
Views: 4337

Re: 100% stocks w/pension?

I am doing the same thing although I kept my bonds which is down to 10% and have 100% stocks going forward.
by travellight
Thu Mar 23, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2303

Re: Kitchen island

TxAg wrote:Ours is 36" and I like it. 40" seems like overkill. We prefer as much Island space as possible.


ditto
by travellight
Wed Mar 22, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2303

Re: Kitchen island

Mine's a similar layout, however sink and stove locations are switched. Your 176" measurement is my 154". I have 36" between the sink and the island, 36" between the refrigerator and the island, 48" between the stove and the island. Do I find it cramped? No. Well, I take th...
by travellight
Wed Mar 22, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5466

Re: Vehicles as a percentage of net worth

I am splurging this year and buying 2 cars. This will take me from 0.2% to 1.6% of NW.
by travellight
Wed Mar 22, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Very basic undertanding of taxable and tax-advantaged accounts
Replies: 12
Views: 766

Re: Very basic undertanding of taxable and tax-advantaged accounts

Thanks, all -- I ordered the Boglehead's Guide to Retirement Planning from Amazon. Getting it tomorrow, free shipping -- amazing. Ought to buy Amaz-- :) Seriously, this is very helpful. So I guess two more things to ponder in the meantime: 1) The ROTH contribution limits ($6500) are lifted if I rol...
by travellight
Tue Mar 21, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

Barefootgirl wrote:Most business cards don't count towards 5/24, but Capital One business cards do because they report them on your personal credit report.

Thank you Drew, seems like every general rule in this hobby, has an exception.....have a great day.


Drew is like having our own Points Guy.
by travellight
Tue Mar 21, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 15402

Re: Tesla Model 3 or Chevy Bolt?

I signed up for the Model 3 the very first day online. I was worried I might not get within the 200,000 to get the federal tax credit of $7500 so I just bought used Tesla S P85 last week which will help me get in the early wave of recipients. I recently looked at the Bolt and didn't like the aesthet...
by travellight
Mon Mar 20, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15035

Re: "Millionaire Next Door" Net Worth Formula

Does his (the author's) definition of Net-Worth include primary-home equity? I believe there is one definition of net worth: all assets minus all liabilities. Someone with a paid off two million dollar house has a different net worth than someone who does not and would therefore pay rent for such a...
by travellight
Sun Mar 19, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6353

Re: Am I Addicted [to contribute to my taxable account]

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by travellight
Sun Mar 19, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15035

Re: "Millionaire Next Door" Net Worth Formula

To those who find this depressing, I propose a new formula. Instead of calculating expected net worth, we should use our actual net worth to back-calculate our expected financial age. Actual NW / 0.10 / Income = Expected Financial Age I'm apparently 13 years old. The fountain of youth! I am 111! De...
by travellight
Sun Mar 19, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6353

Re: Am I Addicted

No, I am the opposite. I wish I was more like you. I have a bit of analysis paralysis and have too much in cash for my liking.
by travellight
Sat Mar 18, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 3971

Re: Investing in - WATER - thoughts

knpstr wrote:I was expecting to hear you say you just finished watching "The Big Short" and are following Michael Burry.


ditto, that came to mind as well.
by travellight
Sat Mar 18, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2600
Views: 684490

Re: What Movie Have You Recently Watched?

Logan. I'm not an X-men guy, but this was good. Also saw Hacksaw Ridge. This was the only nominated movie I had not seen. For some reason, Mel Gibson maybe, SAG did not send this out as a screener to view. This was by far the best of the nominated movies. Andrew Garfield deserved best actor. Casey ...
by travellight
Sat Mar 18, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15035

Re: "Millionaire Next Door" Net Worth Formula

It's a handy rule of thumb, that's for sure. I think it's been revised in The Millionaire Mind , though to: ENW = Age x 0.112 x Gross Income. A PAW (prodigious accumulator) is expected to have twice that value, while an under accumulator (UAW) would have half. The White Coat Investor on his website...
by travellight
Fri Mar 17, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 333
Views: 23940

Re: Picking College and College Scholarships

indyfish wrote:Any updates?


I suspect we won't know till 4/1 when the final schools notify.
by travellight
Fri Mar 17, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2600
Views: 684490

Re: What Movie Have You Recently Watched?

Logan. I'm not an X-men guy, but this was good. Also saw Hacksaw Ridge. This was the only nominated movie I had not seen. For some reason, Mel Gibson maybe, SAG did not send this out as a screener to view. This was by far the best of the nominated movies. Andrew Garfield deserved best actor. Casey ...
by travellight
Wed Mar 08, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5258

Re: Are Fiat Cars Junk?

They have an amazing lease deal going on right now in my area on the Fiat 500e: $49/month with 2k down. Net cost is $3800 for 36 months and then just return it. It is under warranty the whole time so if there are issues, it may be a nuisance but should not be a significant cost. I can't find a bett...
by travellight
Tue Mar 07, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 29
Views: 2403

Re: Traveling to Japan

I think we took the express train from the airport to Tokyo station and liked it very much.... not the most budget way to do it though. My son got a sim card at the airport and that worked great for us so we could look up things as we went and explored the city. It was extremely helpful. Being a bog...
by travellight
Tue Mar 07, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5258

Re: Are Fiat Cars Junk?

They have an amazing lease deal going on right now in my area on the Fiat 500e: $49/month with 2k down. Net cost is $3800 for 36 months and then just return it. It is under warranty the whole time so if there are issues, it may be a nuisance but should not be a significant cost. I can't find a bette...
by travellight
Mon Mar 06, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 38357

Re: Physician Retirement Savings

Great thread! This is very informative for comparing apples to apples. Our situation: I work full-time (41), stay-at-home wife (35), salary $420k, no kids, low cost of living area, fully paid off home with no mortgage. Spending: varies between $85,000 and $95,000 per year (tracked daily via on-line...
by travellight
Mon Mar 06, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

You're right, I think it is BA. I have found it extremely difficult and limited to find a route that avoids them, especially with American airlines. It makes AA almost worthless for me to do Europe. IMO, AA miles stink. Finding availability within the Americas on a saver award is pretty much imposs...
by travellight
Mon Mar 06, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on the best use of Thank you miles? Redemption on American airlines is going down from 1.6 to 1.33 on 7/23/17 but I am finding that it is an expensive redemption even at 1.6. Looking at RT air to Europe, it consumes almost 50k points RT PLUS about $600-700 in fees. I can find full pay ...
by travellight
Sun Mar 05, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 38357

Re: Physician Retirement Savings

I'll say the same thing here (even as a fellow doc) that i have said on other threads and that is I just don't get some of the posters goals. How many folks who have worked their backends off to accumulate 5-10+ million will just be able to throw in the towel and spend lavishly when they have never...
by travellight
Sun Mar 05, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 38357

Re: Physician Retirement Savings

The amounts saved my many MDs here is not typical. For one, most MDs are primary care which typically make under 200k. Next, they are posting here on bogleheads which says a lot. Third, I am not sure the indebted divorced 45 y/o Cardiologist with a vacation home is going to post saying how he has a...
by travellight
Sun Mar 05, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on the best use of Thank you miles? Redemption on American airlines is going down from 1.6 to 1.33 on 7/23/17 but I am finding that it is an expensive redemption even at 1.6. Looking at RT air to Europe, it consumes almost 50k points RT PLUS about $600-700 in fees. I can find full pay ...
by travellight
Sun Mar 05, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 4444

Re: Second home or not ready

That is much more than I would want to pay for a lifestyle decision/second home. I would want to pay less than 25% for a fun home compared to my primary residence. I have a second home and it was about 1/8 the cost of my primary home. I paid it off in 10 years and don't regret the decision at all bu...
by travellight
Sat Mar 04, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on the best use of Thank you miles? Redemption on American airlines is going down from 1.6 to 1.33 on 7/23/17 but I am finding that it is an expensive redemption even at 1.6. Looking at RT air to Europe, it consumes almost 50k points RT PLUS about $600-700 in fees. I can find full pay a...
by travellight
Thu Mar 02, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2600
Views: 684490

Re: What Movie Have You Recently Watched?

I finally saw La La Land, right before the Oscars. I loved it.
by travellight
Thu Mar 02, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

My other strategy is combining bank bonuses with credit card rewards with the Merrill Edge deal. Fund 200k for 90 days in a merrill edge account and get 600$. Also apply for Merrill edge credit card for 50k bonus and Bank of America's Travel Rewards credit card for 1.75 bonus. Has anyone else run th...
by travellight
Thu Mar 02, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

RE: Churnable Cards I just read on DOC about the No 24-Month language CitiBusiness / AAdvantage Platinum Select with 50,000 bonus, 3K spend I think it was in 90 days. Ok, so the no 24 months makes this quite churnable and since it's a business card, it should not show up on the Chase radar? Do I ha...
by travellight
Thu Mar 02, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1452
Views: 214407

Re: What's Your Credit Card Rewards Strategy?

If you are into Avios, crazy deal out there.... Sign up for Match.com and get 150 Avios for every dollar you spend - new subcribers only. Comes out to .67 cents per mile, pretty sweet deal. This weekend only. http://onemileatatime.boardingarea.com/2017/03/02/earned-82285-avios-joining-dating-websit...
by travellight
Thu Mar 02, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 9035

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

We have been to Italy many times. Random suggestions: * If Venice is on your itinerary, try staying in Lido. It's only a short vaporetto ride away, and it's cheaper and less crowded (as far as hotel options). Restaurant and shopping opportunities there, too. * Anything you see in Rome will take you...
by travellight
Thu Mar 02, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 16289

Re: Possibly Financially Independent and Feeling Miserable

Are you including your home in this $$ number? I'm not quite sure what you mean. We do not currently own a home (we currently rent an apartment), so the net worth number is the total, "liquid" amount of assets that we have (although we do have an additional $110K or so in cash that we pla...
by travellight
Sat Feb 25, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: AP: Americans buy existing homes at fastest pace in a decade
Replies: 45
Views: 4127

Re: AP: Americans buy existing homes at fastest pace in a decade

If you want a house to live in, I would go ahead and buy. Look at downtowns as opportunities to lower your property taxes/appraised values. I went through two downturns in the market and refinanced/reappraised both times and my house held its value but I was able to get property taxes lowered once. ...

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