Search found 285 matches

by travelnut11
Wed Nov 23, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Recommended Reading for Children?
Replies: 10
Views: 498

Re: Recommended Reading for Children?

I appreciate your enthusiasm but I really think she's too young for the IRA/investment talk. I'd focus on learning to handle money, live below her means, delayed gratification, savings accounts etc. If you do too much too soon you run the risk of overwhelming her and thinking about retirement is WAY...
by travelnut11
Tue Nov 22, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance without exam
Replies: 24
Views: 2170

Re: Term insurance without exam

Nearly 3 years ago I got a $1million 20 year policy without an exam. It was a new program Principal was trying for low-risk subjects. I was 36 at the time. My husband also got the best rates at age 36 but he did have to have an exam probably due to a history of smoking in his youth. My rate is $478 ...
by travelnut11
Tue Nov 08, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 493

Re: FSA for childcare -- worth it? Issues?

Yes, it's a good deal. I think it saves $1250 in taxes if you're in the 25% tax bracket. Ours is through ADP and it's easy. I fill out a form, have my care provider sign it, upload the form and submit. The reimbursement is direct deposited into my bank account.
by travelnut11
Tue Oct 11, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 1820

Re: Identity theft -- again

Got it. I clearly check regularly due to past ID theft issues but I can see where people not expecting it wouldn't check often. On the other hand, my credit union has a FICO score proxy available for free which I also check regularly. Sure enough, when the utility bill went to collections my score w...
by travelnut11
Tue Oct 11, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 1820

Re: Identity theft -- again

But this time you weren't a victim of ID theft only a victim of Credit-Card theft - correct? You said "my card" and "my card number" so your card was stolen not your identity. This is an important distinction - I've been the victim of CC theft 3 times in the last 15 years - each...
by travelnut11
Tue Oct 11, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 1820

Re: Identity theft -- again

I had my identity stolen last year when someone in Illinois opened a bunch of credit cards in my name and charged $10K+ in stuff. I found out because the bills came to my house (luckily). :shock: It wasn't that big of a deal to take care of...just a lot of phone calls and paperwork. I'm not sure how...
by travelnut11
Fri Sep 23, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1308

Re: Tenant responsible for appliances?

I'm a landlord with a duplex and supply all appliances except the washer and dryer normally. However due to circumstances I happen to own 3 out of the 4 washer/dryers in the units at the moment. I wrote a separate clause in my lease stating that the washer and 2 dryers are there for the tenants conv...
by travelnut11
Fri Sep 23, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7956

Re: Trader Joe's Fans - good value?

Marinated artichoke hearts and kalamata olives are our TJ staples because they're a good size/price. I also like the peanut butter coated granola bars just because they delish.
by travelnut11
Fri Sep 23, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 28
Views: 2264

Re: Cancun, Grand Cayman or Other Caribbean Islands

We love Jamaica and while I haven't been there with kids yet I'm planning to take them here once they're a bit older (currently 17 months and -4 months). Rental houses that include the cook so no need for restaurants all the time and more space to spread out. http://www.mysilversands.com/content/hom...
by travelnut11
Fri Sep 16, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 19
Views: 1931

Re: Keeping Verizon Unlimited data Plan

Are the Sprint unlimited data plans valuable or just Verizon? My husband insists on keeping his ancient $100 Sprint unlimited data plan (even though I would be surprised if he uses much more than 1 gig of data per month on his phone). I think Sprint started re-offering unlimited data recently right?...
by travelnut11
Thu Sep 15, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating true costs of first-time home ownership: huge range?
Replies: 9
Views: 1036

Re: Estimating true costs of first-time home ownership: huge range?

Hi strafe, prudent, whomever, Leemiller, justfrank, and Kosmo -- thanks all for your valuable feedback! Utilities Agree that existing owner can provide some clarity here. Thanks. Will look into age of oil-based system. Will also look into cost of changing to natural gas based system. Electric heat ...
by travelnut11
Wed Sep 14, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Financial check-up -- anything else I should be doing?
Replies: 26
Views: 3285

Re: Financial check-up -- anything else I should be doing?

I'm with Meg on this still. It makes no sense to me for the OP to have life insurance given his current relationship status and plans to have no children. Who would he even put as a beneficiary? His parents? Do they need the money? Still seems like a waste to me unless there is some uninsurable medi...
by travelnut11
Wed Sep 14, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 40
Views: 4255

Re: Early term Ins.

Texan I am sorry to hear about your predicament and wish you all the best. I really do not mean to hijack this thread at all, but I think this situation triggers a question that I have had for some time: You hear a lot of people suggesting people purchase term life insurance early when they are &qu...
by travelnut11
Wed Sep 14, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Insane CPA bill, please advise
Replies: 23
Views: 4537

Re: Insane CPA bill, please advise

It sounds to me like your previous payments didn't get credited to your account. This should be no big deal to prove if you wrote checks for those services? Find the images online and you're good to go.
by travelnut11
Tue Sep 13, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 4823

Re: Education cost and kids

We are still debating this (we have time...my children are currently aged 17 months and in utero) but we plan to have some hybrid system where we pay some (most?) but our children will be expected to work and contribute in some manner. I had a full tuition scholarship to Flagship U but was responsib...
by travelnut11
Tue Sep 13, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Financial check-up -- anything else I should be doing?
Replies: 26
Views: 3285

Re: Financial check-up -- anything else I should be doing?

I'm puzzled as to why people are recommending life insurance if the OP has no dependents or anyone relying on his/her income at this point? Is it simply because OP is young? My husband and I got $1 million policies when we were 37 and pay b/w $400 and $500 each per year for 20 year policies. I can't...
by travelnut11
Wed Aug 24, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Planning for Children
Replies: 32
Views: 2710

Re: Planning for Children

Getting life and disability insurance for someone who is already pregnant might be harder than before pregnancy. Having a baby is among the more risky things young women do. Of course, a huge share of the nonpregnant young women will later have kids, but the risks do peak during that time. I assume...
by travelnut11
Tue Aug 23, 2016 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Children
Replies: 32
Views: 2710

Re: Planning for Children

Getting life and disability insurance for someone who is already pregnant might be harder than before pregnancy. Having a baby is among the more risky things young women do. Of course, a huge share of the nonpregnant young women will later have kids, but the risks do peak during that time. I assume...
by travelnut11
Tue Jul 26, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: inheriting both an IRA and a non-IRA investment account
Replies: 5
Views: 453

Re: inheriting both an IRA and a non-IRA investment account

You are the person inheriting right? I can't speak to the non-IRA account but for the IRA yes it gets split between all beneficiaries then you can do whatever you like with it subject to IRS rules.
by travelnut11
Sat May 28, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 5331

Re: Traveling through Albuquerque - safe to stop?

Was just in ABQ last week for a few days. Stayed at Hotel Albuquerque near Old Town which was lovely. People were very friendly and I never felt unsafe. Old Town is pretty boring but next time I'll get out more and check out the rest of the area.
by travelnut11
Sat May 21, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay at home mom or change careers
Replies: 64
Views: 5174

Re: Work or stay at home mom or change careers

Another response for what I would've preferred my mother to do: work. She was a teacher by trade but a SAHM when we (my siblings and I) were kids. It made her incredibly dependent on my dad so when they got divorced it was stressful. Later when she remarried my stepdad she couldn't find a full-time ...
by travelnut11
Fri Mar 25, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: When to take time off to travel
Replies: 32
Views: 3097

Re: When to take time off to travel

I think the difference between 1.5 and 2 years on the job is negligible particularly if you're hoping to change fields. If you ever did get a question on that you could say that you realized that particular field was not for you so you wanted to get started on your preferred field sooner than later....
by travelnut11
Tue Mar 22, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your allowance?
Replies: 40
Views: 4143

Re: How much is your allowance?

I get $400 per month and my husband gets $600 per month. We also keep about 1/3 of our bonuses for fun money and the rest goes into the common pot. My husband often spends out of his fun money when he should spend out of the joint account. I can't get it into his head that he can use the joint accou...
by travelnut11
Wed Mar 16, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: First time landlord--how to write lease renewal contract?
Replies: 11
Views: 987

Re: First time landlord--how to write lease renewal contract?

Generally speaking, renters want flexibility. That's why they're renting. To get another 12 month lease and have them give up their flexibility, you'll have to concede something, generally less or no increase in rent. Not worth it IMO. I don't worry about turnover anymore. I just accept it, handle ...
by travelnut11
Wed Mar 16, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: First time landlord--how to write lease renewal contract?
Replies: 11
Views: 987

Re: First time landlord--how to write lease renewal contract?

I'm sort of confused. Have you even asked them if they want to stay? If they signed another 12 month lease why would leave at the end of the current lease? I think you're worried about this for no reason. Typically about 60 days before my tenants lease is up I ask them if they intend to stay for ano...
by travelnut11
Mon Feb 29, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 6181

Re: Is Working from Home the New Normal?

I've been a full-time telecommuter for the past 13 years and don't think I would ever be able to work in an office again. I love the flexibility, time/money savings in commute and the fact that I don't have to get dressed every morning. Instead I can take 30-60 minutes in the middle of day to work o...
by travelnut11
Sat Feb 13, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is the high cost of living in Northern VA/DC worth it?
Replies: 49
Views: 3859

Re: Is the high cost of living in Northern VA/DC worth it?

I did exactly what you're proposing 17 years ago (yikes!) right after I graduated from college. I only stayed for two years as I had other parts of the country I wanted to check out but it was a great experience and I highly recommend it. I made $31K my first year and thought I was rolling in the ca...
by travelnut11
Thu Feb 11, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion About Preventing Theft of IRS Tax Data
Replies: 22
Views: 2205

Re: Confusion About Preventing Theft of IRS Tax Data

I am a bit confused about IRS form 14039 (Identity Theft Affidavit) and the eligibility of IRS IP-PIN. I am not currently a victim of identity theft. But I have been notified by a gov. agency that my personal data was stolen which could lead to identity theft. (1) Should I file IRS form 14039? Is s...
by travelnut11
Fri Jan 15, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question as sole beneficiary
Replies: 32
Views: 2829

Re: Inheritance question as sole beneficiary

I have been listed as the sole beneficiary on two individual accounts. Oddly enough my father stated before his passing that he wished for my brother and I to split everything 50/50. He even had a will and trust written up along with listing us on all accounts as 50/50 beneficiaries except for thes...
by travelnut11
Fri Jan 15, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 8324

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

For sure you can do this and I would echo that you should take an even longer trip. I don't think I'd quit a job for 50 day trip but I sure would for a 6 to 12 month trip. I assume your wife can take a LOA easily as I believe that is common in the teaching profession. You certainly have the finances...
by travelnut11
Wed Jan 13, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires trip advice
Replies: 14
Views: 1133

Re: Buenos Aires trip advice

Recoleta Cemetary is a must. I also enjoyed the artisan market they had in the nearby park. Go see a tango show even if it's super touristy. I shunned this activity until the very end of my trip expecting it to be cheesy and touristy but thought it was amazing and wished I'd sought out more tango en...
by travelnut11
Thu Jan 07, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Overseas Volunteer Programs
Replies: 4
Views: 485

Re: Overseas Volunteer Programs

Here's a great list of free/low-cost volunteer opportunities in South America. I volunteered in an orphanage in Arequipa, Peru 7 years ago with Traveller Not Tourist and can recommend it.

http://www.volunteersouthamerica.net/

http://www.travellernottourist.org/
by travelnut11
Tue Nov 24, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 207
Views: 17133

Re: Push child to avoid expensive college?

She's a great kid and I can afford a more expensive college, but why spend $300,000 for 4 years to become a high school teacher? She will probably be a wife and mother as well as a high school teacher (or other profession of her choice -- be glad she is not set on med school). Do you want her pool ...
by travelnut11
Thu Nov 19, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Parents - your favorite and most challenging years
Replies: 71
Views: 8024

Re: Parents - your favorite and most challenging years

Middle School is the toughest so far. The 13 year old son's attitude and disorganization is rough. Though, I can't say that I was any better at that age. I guess it's karma payback time. :twisted: Also, with my two kids I'm finding it's much, much easier to change behavior/routine when they're youn...
by travelnut11
Mon Nov 02, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby & Life Planning
Replies: 15
Views: 1851

Re: New Baby & Life Planning

Will your wife be staying home with the baby? If not and you're interested in center care you likely need to get on the list now to have a chance of getting a spot. Home care places can be arranged later but often don't know their availability until the last minute which might leave you scrambling f...
by travelnut11
Sun Oct 11, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 5623

Re: Thinking of quitting job for a year of travel

I also did this the year I turned 30 and have no regrets. I'm a programmer and was prepared to quit my job but instead asked my company for a leave of absence. I sold it to them as a retention tool in that I really wanted to continue working for them but felt the need to take some time off. Basicall...
by travelnut11
Sun Aug 23, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience taking a voluntary (pre-retirement) break from employment?
Replies: 29
Views: 4904

Re: Anyone with experience taking a voluntary (pre-retirement) break from employment?

Eight years ago when I was 30 I took a 9 month sabbatical from work and traveled: 3 months through North America and 6 months in South America. Because I was on a company leave of absence I maintained my health insurance and just paid my premiums via check instead of payroll deduction. I returned to...
by travelnut11
Thu Jul 16, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 2219

Re: Board Recommendations: Vacation for Babymoon

I would also recommend going sooner rather than later. I had to fly for my mom's funeral at 34/35 weeks pregnant and it was torture. I didn't even have a huge bump as I'm tall but it was just so uncomfortable to sit in those tiny seats and try to hurry (ha!) through the airports. We did a 3 day baby...
by travelnut11
Sat Jul 11, 2015 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: who do you have your term life insurance with?
Replies: 32
Views: 2732

Re: who do you have your term life insurance with?

1 million dollar 20 year policies on both myself and my husband with Principal. We went through an agent on Term4sale.com. Principal was one of the better priced policies and also had the benefit of not requiring a medical exam for me. My husband did have to have an exam but ended up with the best r...
by travelnut11
Tue Jun 16, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 9743

Re: Wedding Receiption

One daughter married a young man from Wisconsin, and we had to buy two more kegs. They were extremely well behaved, so we extended the DJ for additonal hour and half, then at the end we brought in pizza. Man those Wisconsinites can drink! :shock: Broken Man 1999 So very true...we can drink and we'r...
by travelnut11
Tue Jun 16, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 9743

Re: Wedding Receiption

I think this is a regional issue. Where I'm from it's common for the beer and wine to be free as well as a few punch bowls of brandy Old-Fashioneds. Everything else is cash bar and no one really has a problem with it. I know a lot of places find cash bars tacky but around here it's not a hugely big ...
by travelnut11
Tue Mar 24, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC vs cashing out taxable? On the fence
Replies: 13
Views: 1823

Re: HELOC vs cashing out taxable? On the fence

This sounds almost exactly like our current situation except it's our first baby and we're not in a HCOL. We're splitting the difference and doing half of the basement remodel with HELOC funds and half with the taxable account even though we could pay for the whole thing with the taxable account. I ...
by travelnut11
Tue Mar 10, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads with Rental Income
Replies: 32
Views: 3596

Re: Bogleheads with Rental Income

I decided to test the landlord waters by purchasing a duplex and living in one side and renting out the other to get a feel for it. 12 years later I still live on the other side though am set to move into a SFH with my husband next month and we'll rent both sides of the duplex then. Its gone very we...
by travelnut11
Fri Mar 06, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 26930

Re: Wife tired of saving...

With continued reading, I think the biggest problem is the OP takes extreme, possibly even misguided, belief positions (property taxes, no tax-advantaged saving, investing primarily in low-return vehicles, top 5 school or community college), and cannot or will not be open to changing their opinion ...
by travelnut11
Mon Mar 02, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Where to go on my sabbatical?
Replies: 13
Views: 1663

Re: Where to go on my sabbatical?

Oh my this sounds like an amazing conundrum! I think I'm with your wife on the Spanish for the kids and don't worry they will pick it up in just a few months. A friend of mine is a 2nd grade teacher at a school with a lot of foreign kids from all over the world and she says by Christmas break they a...
by travelnut11
Sun Feb 22, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 10236

Re: How much was your Tax Refund (or amount DUE)

Owe Feds about $2500 and owe Wisconsin about $1000. Got married this year and did an extra $30k in consulting work. I tried to get closer to zero but didn't take into consideration the loss of my husband's education credits and no rental property losses because our combined income is too high. Next ...
by travelnut11
Sat Feb 21, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Depreciating Items
Replies: 10
Views: 912

Re: Rental Property Depreciating Items

The depreciation stuff is a headache and is the single reason I have my taxes done by an accountant. Even then they sometimes mess it up. The first year I was a landlord I messed mine up after trying to use Turbotax and had to pay someone to fix it so just kept getting them done. I also found Turbot...
by travelnut11
Sat Jan 31, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 2637

Re: Term Life Insurance Dilemma

We went through term4sale.com when we were looking at life insurance last year. Type in your information and see what kind of quotes come up. Then you can choose an agent to contact. Ours was helpful and knew which were the best companies and with the best rates for our personal situation. We're mid...
by travelnut11
Thu Jan 29, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: switching Job- Health insurance etc...
Replies: 7
Views: 802

Re: switching Job- Health insurance etc...

I just switched to my husband's insurance on January 1 and his HR department said I need to send in a HIPAA document to the new insurance showing that I was previously covered under my old plan. I'm currently pregnant though so I'm not sure if this is because they need to get some sort of documentat...

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