Search found 2697 matches

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: 423
Views: 32724

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: 106
Views: 8235

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: 106
Views: 8235

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: 17
Views: 1306

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: 17
Views: 1306

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: 423
Views: 32724

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: 4044

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: 423
Views: 32724

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: 423
Views: 32724

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: 423
Views: 32724

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: 49579

Re: Net Worth Survey, 2015 Edition

very interesting, snackdog.... look at how many people above 6 million are still working!
by travellight
Thu Jan 04, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 423
Views: 32724

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

wrongfunds wrote:
Thu Jan 04, 2018 3:32 pm
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.
by travellight
Thu Jan 04, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 423
Views: 32724

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

I just got the email to configure my model 3. I haven't decided yet whether to do it. I want the big battery but not all the premium upgrades but I am afraid to lose the federal tax credit if I wait for round 2.
by travellight
Mon Jan 01, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Request update on YouTube TV
Replies: 11
Views: 618

Re: Request update on YouTube TV

I cut the landline and went to Google voice saving $20/month. I get local channels by ota antenna. I recently decided to splurge and got Hulu for $6/month just till I get through Handmaids tale. I also added Sling at their lowest level which is Orange at $20/month. I get most of the channels I want ...
by travellight
Sun Dec 31, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 4494

Re: Target Net Worth

What is you target net worth and how did you come up with it? It changes every year and I get a new target at the end of each year. My new one is $5M. Keep raising the bar for myself. Cheers! :sharebeer Ditto. It was never lower than 2 million which was my theoretical goal in my early 30s. It drift...
by travellight
Sat Dec 30, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Looking to vacation in San Diego
Replies: 16
Views: 1130

Re: Looking to vacation in San Diego

lots of great suggestions already... I will add: -hike Torrey Pines reserve. I like walking up to the top and then doing the beach hike down which affords some spectacular views. then, just walk back along the beach. -visit La Jolla and go see the seals around the cove. You would see them on the kay...
by travellight
Sat Dec 30, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5780

Re: What is your threshold for paying down debt?

My threshold is between four and five percent.
by travellight
Thu Dec 28, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48792

Re: Tax Bill Omnibus Thread

I live in NY (high property tax and income tax state)...My Federal Taxes will be going down. I could see how how earners in NY with high property taxes could get hurt with higher taxes but most won't. Do you have kids ? This is probably the difference. My mortgage, property tax and state income tax...
by travellight
Thu Dec 28, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 10815

Re: Uber vs Ambulance - HUGE cost difference

Had to go to the ER a month ago . My husband was out of the country. I was supposed to fly soon after. There was no one to drive me. I did not have uber setup. I was short of breath. Called 911 and got an ambulance. Was driven by EMT to the nearest Kaiser in-network hospital, which happens 15 miles...
by travellight
Tue Dec 26, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 20016

Re: Do you see a meaningful change in your income with new Tax Bill?

Not really. My taxes will go down about $200 vs the old law. They could easily go up in 2020 though. CA, lost tons of deductions with SALT cap. Claw back a little with lower rates, but the $200-500k bracket for singles actually goes up 2% and the SALT cap isn’t indexed to anything so will get less ...
by travellight
Mon Dec 25, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 20016

Re: Do you see a meaningful change in your income with new Tax Bill?

It looks like there is a tax hike for income from 200k to 418k unless I am misreading it? new rate is 35% from 200-500k but old rate was 33% from around 191k to 418k.
by travellight
Mon Dec 25, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 20016

Re: Do you see a meaningful change in your income with new Tax Bill?

Tax Reform Bill
You'd lose $17,245

according to the calculator I got to in the big thread on the bill, I would pay about 17k more. I don't know if this is offset by amt though. I paid 19k in amt last year.
by travellight
Sun Dec 24, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23202

Re: What frugal thing did you do today?

Having lunch while charging at a supercharger.
by travellight
Sun Dec 24, 2017 3:00 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3265
Views: 945797

Re: What Movie Have You Recently Watched?

Downsizing: didn't care for it.

The Greatest Showman: I really enjoyed it. Hugh Jackman is quite the entertainer. It's a musical about PT Barnum.
by travellight
Thu Dec 21, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 136
Views: 24532

Re: Becoming a Landlord: My Experiences

It's my preliminary understanding that we, as small business landlords, are in the category of passthroughs and that the tax in this category is capped at 25%. Can anyone confirm? I have not seen anything definitive but my understanding is the opposite. As a landlords (Schedule E income), we are *n...
by travellight
Wed Dec 20, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 136
Views: 24532

Re: Becoming a Landlord: My Experiences

It's my preliminary understanding that we, as small business landlords, are in the category of passthroughs and that the tax in this category is capped at 25%. Can anyone confirm?
by travellight
Wed Dec 20, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3265
Views: 945797

Re: What Movie Have You Recently Watched?

3 billboards outside ebbing,
And, Wonder. I loved both of them.

Looking forward to the shape of water and all the money in the world.
by travellight
Sat Dec 16, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 192
Views: 16270

Re: Save all this money, what do you splurge on?

Fresh squeezed oj

Orchestra seats

Cars Tesla s

College education for the kid

Charity

Food and travel

More ac use in the summer
by travellight
Sun Dec 03, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3265
Views: 945797

Re: What Movie Have You Recently Watched?

Lady bird: enjoyable, but my expectations were so high that it was hard to match the expectations. Some great lines in it... Thor: a really fun romp. Thoroughly entertaining and much more so that its predecessor. I would credit the new director and his New Zealand sense of humor. Murder on the orien...
by travellight
Thu Nov 30, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4230

Re: Luggage Update for Travel

My name is a clue to my preference for travelling light. I think I could even compete with livesoft's Hawaii story. I went for a weekend trip to Arizona wearing just my swimsuit and a skirt. I also went around the world by myself for 6 weeks with the equivalent of a gym bag. I don't do such extreme ...
by travellight
Wed Nov 29, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2971

Re: Don't leave your mac unattended! It has zero security now.

does this update automatically or does one have to do something to get the patch?
by travellight
Mon Nov 27, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 8334

Re: Too much house, right?

950k seems very expensive for Utah. I would be very cautious about this.
by travellight
Mon Nov 27, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5793

Re: Etiquette question: Paying for meals out & out of town guests

It depends on the purpose of the visitors. When the visiting is for the purpose of relationship maintenance, the host usually pays for everything as the visitor has incurred travel costs. When the hosting is due to the visitor wanting to explore the area and the location is the primary motivation an...
by travellight
Tue Nov 21, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 3023

Re: LED Lightbulbs - Recommended Brands

I like Phillips best for being most like incandescents. I haven't tried their newest budget model yet, but it is very incandescent like and quite interesting. First of all, because they're one of the lowest power 800 lumen bulbs I've seen at 7 Watts. Secondly, because instead of the normal design o...
by travellight
Tue Nov 21, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 3023

Re: LED Lightbulbs - Recommended Brands

I like Phillips best for being most like incandescents.
by travellight
Sun Nov 19, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Which BoA Credit Card to use?
Replies: 24
Views: 1902

Re: Which BoA Credit Card to use?

Thank everyone! I've never played the miles/travel game. Probably should now that our family is taking 4-8 individual round trips per year? I'm not a super optimizer, so will probably just stick with the BoA Cash Rewards for now. One card simplicity is key, I'm okay with apple paying for crap at th...
by travellight
Sun Nov 19, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 1406

Re: Bank of America Premium Rewards card

I also had an easy experience. I don't know if I am getting 1.65 or 2.65x. I put 200k in ME but don't have a ME credit card.

I don't like BofA web interface. It's not easy to set up autopsy on credit cards.
by travellight
Sat Nov 18, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 144
Views: 17162

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

I wonder if it still works if you show up and use the car when app is down?
by travellight
Sat Nov 18, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 144
Views: 17162

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

mnnice wrote:
Sat Nov 18, 2017 8:58 pm
I got a MoviePass about 10 days ago. I have seen 3 movies since. The app appears to be down tonight which bums me out as DS and I were going to go to Justice League.
I was bummed too. I wonder if this is the first sign of trouble.

I saw Thor in 2d and loved it.
by travellight
Sat Nov 18, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5293

Re: Do you include the sale of your home as part of your retirement planning?

I had always factored it in but recently am inclined to keep it. My heir would inherit it at its new basis and I am loathe to pay the tax on the gains.
by travellight
Fri Nov 17, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 144
Views: 17162

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

I signed up for it. I have already seen 4 movies since I started this on 10/24. Also, movie season is coming up with the Oscar contenders being released. I only have to see 6 movies to break even so that means 2 more movies in the next year. I plan to enjoy this while it lasts.
by travellight
Tue Nov 14, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3919

Re: Borrowing from parents - what interest rate?

I did this many years ago, only because my mom offered and wanted me to and I was sure I could pay it back within 2 years. I got my own mortgage but borrowed some money for the down payment. I paid her back in 2 years with about 8% interest, lump sum. I wouldn't borrow from friends of family if ther...
by travellight
Mon Nov 13, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 3863

Re: Upgrading a flight - what are your rules?

I would definitely pay for that upgrade. I don't have specific rules but I can do economy for around 2 hours or less. More than 4 hours and I would be willing to pay up to about $200. International travel, I prefer business class. I would pay up to $2500 per person for that.
by travellight
Mon Nov 13, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3844

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

So, comparing the Moto G5plus available for $170-224 versus the Huawei mate 9 at $399, is the Huawei that much better for almost twice the price? Moto G5+ seems to be lacking in camera function in low light from my initial research and a great camera is important to me. I wonder if any current Moto...
by travellight
Mon Nov 13, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3844

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

So, comparing the Moto G5plus available for $170-224 versus the Huawei mate 9 at $399, is the Huawei that much better for almost twice the price? Moto G5+ seems to be lacking in camera function in low light from my initial research and a great camera is important to me. I wonder if any current Moto ...
by travellight
Mon Nov 13, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3844

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

T mobile is GSM and that phone is GSM only so it should work. I don't know if the camera on it fits your criteria though. iPhone SE is for sale new for $400 or subsidized in the $100 to 160 range and may fit your needs camera wise if you are okay with iOS. It is basically a iPhone 6 in a smaller bo...
by travellight
Mon Nov 13, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question about procedure and timeline sequence
Replies: 5
Views: 632

Re: Backdoor Roth question about procedure and timeline sequence

You should be able to do that. I did the transfer to my 401k in early December and it went fine. It was 12/6/13 for me. I spent the two months before thoroughly researching it. I did the contribution and transfer in the same year.
by travellight
Sat Nov 11, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3844

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Huawei Mate 9 is now $399 at Amazon and Best Buy. Best phone I've ever had - previously had Galaxy Note. It is unlocked, so you can change to carrier of choice anytime. Dual SIM's for international travelers. Leica dual lense camera is a bonus. Fab pix. Phone will not work with Sprint, Verizon, Boo...
by travellight
Sat Nov 11, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 17468

Re: Flying first class, business, versus economy.

I really really hate economy on long flights. But I really really hate the price of first-class and business. This is a very difficult problem for me. My wife wants to go to Europe every couple of years, and I don't want to go, almost purely because the flight is pure torture for me. In fact, she a...
by travellight
Sat Nov 11, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4320

Re: Septic tank - deal killer?

I have two homes with septic. My vacation home has never been pumped in 25 years and I have seen no problems. However, it has low usage. My primary home has been pumped three or four times in the 25+ years that I have been there. I have not been careful with avoiding grease or food products or anyth...