Search found 2736 matches

by travellight
Mon Apr 02, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2543
Views: 476046

Re: What's Your Credit Card Rewards Strategy?

I've used the cards discussed many times over by people in this forum. I've read a smattering and the only card I use that I haven't seen is the Alliant Visa Signature card as the "default" card. I've seen the Citi 1%/1% card and the Fidelity 2% card used for this but the Alliant Signature Visa car...
by travellight
Sat Mar 31, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 617
Views: 64061

Re: Picking College and College Scholarships

My friend’s daughter got word today of being accepted at Stanford...after having been rejected by USC, Pomona, Grinnell. Her only other acceptance was UIUC which she was resigned to attending. Then Stanford came calling. What a day. Yes, the process is interesting, if only for it's real or perceive...
by travellight
Sat Mar 31, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

Saw "The Death of Stalin" earlier this week. There are a few slow spots and sometimes the near slapstick comedy doesn't quite work, but despite the flaws this is a really good movie. The combination of absurd comedy and deadly horrific actions keeps one totally engaged in this story. You don't know...
by travellight
Sat Mar 31, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

I just watched Black Mass (movie about Whitey Bulger). I would not consider it a great gangster movie like Goodfellas or the Godfather but it was a compelling movie since it was a case study in how truth is stranger than fiction. AND Johnny Depp (believe or not) was terrifying as stone cold psychop...
by travellight
Sat Mar 31, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 617
Views: 64061

Re: Picking College and College Scholarships

My friend’s daughter got word today of being accepted at Stanford...after having been rejected by USC, Pomona, Grinnell. Her only other acceptance was UIUC which she was resigned to attending. Then Stanford came calling. What a day. Yes, the process is interesting, if only for it's real or perceive...
by travellight
Wed Mar 28, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 617
Views: 64061

Re: Picking College and College Scholarships

I heard decisions are coming out tonight.... keeping my fingers crossed for you!
by travellight
Mon Mar 26, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325017

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

net worth is up 3.6%, investment portfolio is down 1.95% ytd.
by travellight
Mon Mar 26, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax and backdoor Roth IRA error?
Replies: 10
Views: 3377

Re: TurboTax and backdoor Roth IRA error?

I find all of the tax software tricky in handling the back door roth ira. I have to go through many machinations to get it to look right.
by travellight
Mon Mar 26, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2506

Re: Help with Tax Loss Harvesting

Earl Lemongrab wrote:
Sun Mar 25, 2018 6:09 pm
travellight wrote:
Sun Mar 25, 2018 3:41 pm
I am just learning about tlh. Can this be done in all accounts, such as taxable, Roth IRA, and 401(k)?
Not in tax-advantaged accounts. There are no capital gains or losses there. That's why you want to avoid wash sales in there because you can't transfer the basis.
Thanks Earl!
by travellight
Sun Mar 25, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2506

Re: Help with Tax Loss Harvesting

I am just learning about tlh. Can this be done in all accounts, such as taxable, Roth IRA, and 401(k)?
by travellight
Sat Mar 24, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

I saw Tomb Raider last night; very formulaic and unremarkable. I don't recommend it.
by travellight
Sat Mar 24, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 202
Views: 25420

Re: MoviePass-Too good to be true, but it's legit.

Price just dropped to $7.95 a month According to news reports, it's down to $6.95 a month today for new subscribers as a "limited time offer". But the benefits have also been scaled back since the initial offering of the service. And you have to keep a close eye on what data it is collecting from y...
by travellight
Sat Mar 24, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 54
Views: 5875

Re: discretionary spending per month

Postby jfn111 » Mon Nov 11, 2013 6:43 pm The wife and I have this discussion all the time: Cable + Internet runs about $230 per Month Cell Phone runs about $250 per Month ( have two grown kids that are still on my plan :confused ) Netflix runs $16 per Month Just dropped Sirius XM because they wante...
by travellight
Sun Mar 18, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Good Presentation of all State Taxes
Replies: 1
Views: 711

Re: Good Presentation of all State Taxes

Alan S. wrote:
Sun Mar 18, 2018 10:44 pm
Here is a review of all state taxes from income to estate: https://www.cchgroup.com/news-and-insig ... ment-taxes
Thanks!
by travellight
Fri Mar 16, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6428

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I love cars but I would need to be well north of 10 million to spend 250-300k. I do hope to get there. I have spent for a Tesla which is in the 80k range.
by travellight
Fri Mar 16, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

Annihilation. It is a difficult film to sell to the public as well as reviewing it. It's kind of reminiscent of the typical answers that I heard earlier in the movie's dialogue, "I don't know". It's more similar to the Russian's 1979 Stalker than Ridley Scott's Alien from the same year. Walked out ...
by travellight
Sun Mar 11, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 617
Views: 64061

Re: Picking College and College Scholarships

Is MIT next with results? 3/14? Correct. From a "dream school" perspective, MIT is it. I believe U of Chicago is next Friday. The rest hug the end of the month (March). For what it's worth, he already has very good choices, and are very fortunate from that POV. I just seem to vaguely recall that th...
by travellight
Sun Mar 11, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Discount on Online Tax Act
Replies: 13
Views: 979

Re: Discount on Online Tax Act

To all those folks contemplating using the online version of Tax Act: I found I could get a 30% discount off of normal Tax Act prices by accessing their site via a link from a PC magazine review article on tax preparation software. Here is the URL: https://www.pcmag.com/article2/0,2817,1904319,00.a...
by travellight
Sun Mar 11, 2018 4:35 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 617
Views: 64061

Re: Picking College and College Scholarships

Is MIT next with results? 3/14?
by travellight
Thu Mar 01, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Does the JOBS act make being a landlord obsolete?
Replies: 12
Views: 2093

Re: Does the JOBS act make being a landlord obsolete?

Landlording is a part time job and definitely not passive, but the draw is the leverage, the tax benefits of depreciation, and the longterm cashflow it will throw off once loan paid off in a decade or so. To your example, take your $200k and put four $50k downpayments on four $250k homes that cashf...
by travellight
Tue Feb 27, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2543
Views: 476046

Re: What's Your Credit Card Rewards Strategy?

^ I have been denied Citi and Barclays, madbrain. I am surprised you are still viable in that space.
by travellight
Sat Feb 24, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 2690

Re: Knob and Tube rewire cost

How big is your house? I would think there would be a difference between a 1200 sf house and a 5000 sf house.
by travellight
Fri Feb 23, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37258

Re: What UN-frugal thing do you do?

Saw the Broadway show Hamilton twice.
by travellight
Wed Feb 21, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

The Post: enjoyable but my expectations were even higher. I was not blown away by it.

Early man: Not great. I also had high expectations of Nick Park. It was a bit predictable and formulaic.
by travellight
Tue Feb 20, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1537

Re: Furnace Setting for Vacation

I set to 46 and have had no problems. I put a thermostat in the garage which is the coldest exposure my pipes have and it has never been below 42 which gives me a ten degree buffer.
by travellight
Mon Feb 19, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 13088

Re: Bogleheads with $100K+ MSRP cars?

I bought a new Tesla S, cash. It was my first new car purchase; and I had not previously spent more than 32k before but I had always paid cash.
by travellight
Mon Feb 19, 2018 5:59 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10012

Re: Single People and Retirement Question

thanks for your post, itiswhatitis.
by travellight
Tue Feb 13, 2018 3:04 am
Forum: Personal Finance (Not Investing)
Topic: 2018 taxes and AMT
Replies: 13
Views: 1681

Re: 2018 taxes and AMT

Thanks for all the responses helping to clarify AMT. I wish it was simpler but at least I am starting to process the vocabulary.
by travellight
Sun Feb 11, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: College 2020
Replies: 4
Views: 543

Re: College 2020

I didn't do a 529 plan either. I invested in real estate instead and will have rental income pay for college.
by travellight
Sun Feb 11, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 taxes and AMT
Replies: 13
Views: 1681

Re: 2018 taxes and AMT

Can anyone translate this for me? What is "phase-out" versus "exemption"? Does this mean that a single person can make up to $500,000 per year before invoking AMT? What happens if this person makes $510,000? Is $10,000 then taxed at 26% additionally? I don't understand the "exemption" threshold, it ...
by travellight
Sun Feb 11, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 taxes and AMT
Replies: 13
Views: 1681

Re: 2018 taxes and AMT

thanks for starting this thread, Op. I am also very unclear on AMT changes with the new tax changes. If income is $500,000 and one takes deductions, will there be AMT? My taxes will go up 17k with the new tax reform changes due to losing state tax and limiting property tax deductions, but I paid 19k...
by travellight
Sun Feb 04, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

I finally saw Florence Foster Jenkins on TV recently and was thoroughly delighted. I thought it would be a bit stodgy but it had me laughing out loud. Meryl is outstanding as usual but I was charmed by Hugh Grant's performance.
by travellight
Sun Feb 04, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

I saw Phantom thread and enjoyed it. The ending was a surprise to me and I am not sure how I feel about it but I had liked the movie to that point. DDL is mesmerizing to watch. It seems premature for him to be retiring.
by travellight
Sun Feb 04, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1704

Re: Age Related Discounts?

t-mobile lets you have 2 cell phone accounts with unlimited everything for $60 total if you are over 55.
by travellight
Tue Jan 23, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

I decided to "hold my place" at this time rather than configure... I deferred to 9/2018 hoping I can still get the tax deduction then. I actually want the 310 mile battery but not necessarily all the upgrades. Did they tell you it would be 9/2018 when you clicked hold my place? How would they know ...
by travellight
Mon Jan 22, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

loved Molly's Game, The shape of water, and I, Tonya.

Looking forward to Phantom thread.

Saw Lizzie today at Sundance about Lizzie Borden who murdered her parents, starring Chloe Sevigny. It was good.
by travellight
Mon Jan 22, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985486

Re: What Movie Have You Recently Watched?

Watched "A Bigger Splash" this weekend. Promising cast (Ralph Fiennes, Tilda Swinton) but ultimately a waste of time. Plot, character motivations, personal interactions were all a mess. I wasn't surprised when plot took an incoherent twist near end of film - director didn't know what to do with thi...
by travellight
Sun Jan 21, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

I decided to "hold my place" at this time rather than configure... I deferred to 9/2018 hoping I can still get the tax deduction then. I actually want the 310 mile battery but not necessarily all the upgrades. Did they tell you it would be 9/2018 when you clicked hold my place? How would they know ...
by travellight
Fri Jan 19, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

I decided to "hold my place" at this time rather than configure... I deferred to 9/2018 hoping I can still get the tax deduction then. I actually want the 310 mile battery but not necessarily all the upgrades.
by travellight
Tue Jan 16, 2018 1:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 244
Views: 22673

Re: Post your Financial Milestone Announcements Here

Just hit the two comma club in my 401k, and by 25k! This has been a long slow road. If you don’t mind me asking: how old are you? When did you start? Have you always been in a position to max it out? I’ve been frustrate lately with my 401k... I’m finally now (at age 40) have the ability to max out ...
by travellight
Mon Jan 15, 2018 3:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 244
Views: 22673

Re: Post your Financial Milestone Announcements Here

Just hit the two comma club in my 401k, and by 25k! This has been a long slow road.
by travellight
Fri Jan 12, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 3034

Re: Best Movies of 2017

I enjoyed Victoria and Abdul as well.
by travellight
Fri Jan 12, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 3034

Re: Best Movies of 2017

Molly's game.
Wonder.

I liked Darkest hour for the acting and visual portrayal of Churchill.
by travellight
Fri Jan 05, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

Cramerica wrote:
Fri Jan 05, 2018 9:06 pm
Some days I feel like I should go with the bare bones model 3 and get it at 25k after all credits.

Other days I feel like...what the hell. 49k after credits ain't that bad for something I will drive for at least 7 years :mrgreen: :sharebeer
Ditto!
by travellight
Fri Jan 05, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate Vs. Stocks - all-time returns
Replies: 22
Views: 4240

Re: Real Estate Vs. Stocks - all-time returns

Homeownership for the most part does not make much sense as an investment compared to renting and investing the down payment + monthly savings into the stock market. You can actually lever equity about 50% without too much or a problem (see Ayres and Nalebuff). Real estate is particularly bad in hi...
by travellight
Fri Jan 05, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

240U wrote:
Fri Jan 05, 2018 1:58 am
Why would you lose your tax credit? Delay until end of summer and then decide. Full credit will likely last through September. 1/2 credit through the end of the year.
Thanks, I wasn't aware of these projections. I would ideally like to delay and still get the full credit.
by travellight
Fri Jan 05, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

Have you had a chance to test drive one yet? I have yet to see a live one in around Boston area. Unless I get to test drive it at the store, I am not taking delivery sight unseen. I haven't even seen one; they are not in the showrooms till spring 2018. And Tesla is asking you to configure the vehic...
by travellight
Fri Jan 05, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 679
Views: 54894

Re: To take or not to take delivery of Tesla 3

Have you had a chance to test drive one yet? I have yet to see a live one in around Boston area. Unless I get to test drive it at the store, I am not taking delivery sight unseen. I haven't even seen one; they are not in the showrooms till spring 2018. And Tesla is asking you to configure the vehic...
by travellight
Thu Jan 04, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 144
Views: 50339

Re: Net Worth Survey, 2015 Edition

very interesting, snackdog.... look at how many people above 6 million are still working!