Search found 263 matches

by travelnut11
Fri Mar 25, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: When to take time off to travel
Replies: 28
Views: 2332

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: 3456

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: 840

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: 840

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: 5581

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: 3322

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: 1963

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: 2421

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: 7557

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: 992

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: 435

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: 15037

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: 66
Views: 6207

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: 1663

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: 5097

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: 4611

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: 2051

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: 2485

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: 9277

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: 9277

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: 1677

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: 3310

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: 25199

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: 1512

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: 9370

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: 824

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: 2384

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: 750

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...
by travelnut11
Fri Jan 23, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 908

Re: Buying life insurance online

use term4sale.com to obtain the quotes, then call one of the 3 numbers listed for an agent that sells these policies. I've done this process now 3 times, and each time it has been relatively flawless. You tell them your data, you tell them the policy you want to apply for including the annual cost,...
by travelnut11
Sun Jan 18, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2921

Re: Preparing for baby and one income

To get some quick help, just put "baby expenses" up there in the search box in the upper right and enjoy reading. For many of us, a baby was a $20 co-pay. They are really inexpensive. This is a beyond ridiculous thing to say. I believe Livesoft has older kids so perhaps that was true for ...
by travelnut11
Sun Dec 14, 2014 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10627

Re: Most/Least Boglehead 2014 Activity?

Most: convinced my new husband to increase his 401K contributions to the IRS max; have an accepted offer on a house well below our price range which we will be putting 20% down on. Least: given new house and new baby in spring 2015 I may have to forgo my Roth contribution for 2014. Or if we decide t...
by travelnut11
Thu Nov 13, 2014 9:13 am
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4903

Re: Boglehead family vacations

When I was 8/10 I didn't care where we were going on vacation as long as there was a pool in our hotel. I think at those ages you can still get by with the cheap/simple vacation options. I'd save the fancier and expensive stuff for when your kids are older and less thrilled perhaps to be going on va...
by travelnut11
Wed Oct 08, 2014 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Which Employer Health Insurance To Go With? PPO/HSA
Replies: 23
Views: 2886

Re: Which Employer Health Insurance To Go With? PPO/HSA

Also keep in mind that you may end up paying two out-of-pocket maximums depending on when you're pregnant. I'm 12 weeks pregnant and expect to hit my OOP (or really close) this year with prenatal care (Doc ordered a bazillion labs at my first OB appointment and I had an expensive genetics test becau...
by travelnut11
Sat Sep 13, 2014 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: self-employment tax safe harbor and new marriage
Replies: 0
Views: 226

self-employment tax safe harbor and new marriage

HI Bogleheads- I'm a full-time W-2 employee who does some consulting on the side. In the last few years its ranged from $5K to $18K a year and this year it will probably be more like $25K-$30K. In the past I just make one estimated tax payment in the end of the year making sure my withholding+estima...
by travelnut11
Fri Sep 12, 2014 6:07 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 6777

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Luang Prabang, Laos. Lots of great Western amenities but quiet and beautiful scenery with many options to venture out into the beautiful countryside. Eh, overcrowded tourist spot. Much better places in Laos than that. Certainly I agree with you but LP would make a great base for someone interested ...
by travelnut11
Fri Sep 12, 2014 1:05 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 6777

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Luang Prabang, Laos. Lots of great Western amenities but quiet and beautiful scenery with many options to venture out into the beautiful countryside.
by travelnut11
Tue Jul 29, 2014 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 9030

Re: Landlording for long-term wealth? Who's doing it?

I'm not exactly sure I'm doing it for long-term wealth but I'll bite anyway. :happy I bought a duplex 10 years ago as a way to sort of subsidize my mortgage (I live in one side and rent out the other still to this day). Its been great for me so far as my housing expenses have been very, very low and...
by travelnut11
Mon Jul 14, 2014 7:45 pm
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 3044

Re: Footwear in Vietnam

What are your planned activities? I was in Cambodia and Laos in January and pretty much lived in my flip-flops even climbing over the different temples. Admittedly I stubbed my toes a few times but it was way too hot for closed toed shoes and socks. The only time I wore my light hikers was for a mou...
by travelnut11
Thu May 29, 2014 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do assets help with mortgage rates?
Replies: 11
Views: 1285

Re: Do assets help with mortgage rates?

I just applied for pre-approval last week and the only interest they had in my retirement assets was to demonstrate that I have 6 months mortgage payments in reserve (in addition to proof of the accounts where I plan to pull my down payment from).
by travelnut11
Fri May 16, 2014 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3437

Re: Taking a leave of absence for one year

I think for me the key was that I had very few expenses and those I had were rather low. The only expense I had was a mortgage and associated utilities. I rented out my house while I was gone at a net loss of about $200 a month including the utilities so not a big deal. No car payment, no student lo...
by travelnut11
Wed May 14, 2014 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3437

Re: Taking a leave of absence for one year

I did this, under very particular and unusual circumstances. I was working for a company out on the West Coast, but for personal reasons, was very interested in the possibility of returning to the NY area. My company is a global one, but did not then have a position in NY. I applied for and was off...
by travelnut11
Wed May 14, 2014 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 3437

Re: Taking a leave of absence for one year

I have done this. Seven years ago when I turned 30 I requested and was granted a personal leave-of-absence for 9 months where I spent 3 months traveling in the US/Canada and 6 months in South America. I would've done a year except 9 months was the max the company would grant and allow me to return t...
by travelnut11
Fri May 09, 2014 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should wife take new job offer- pregnant? FMLA issues?
Replies: 24
Views: 1534

Re: Should wife take new job offer- pregnant? FMLA issues?

Anecdotally I have several friends that found out they were pregnant after starting new jobs. I'm sure the companies were not thrilled but it was not a problem and they took their full FMLA leave and came back to be great employees for many years after the leave. It's hard to say how an individual c...
by travelnut11
Wed Apr 30, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2978

Re: Life Term Insurance? 32 yrs old. [Help requested]

Medical exams ensure better rates, even one without medical exams will anyway pull your medical records for past 3 years (You need to sign authorizing them). So by avoiding exam you are not showing them your present and Insurance company still have visibility into your past. My medical records were...
by travelnut11
Wed Apr 30, 2014 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2978

Re: Life Term Insurance? 32 yrs old. [Help requested]

Gotcha BruDude. When you said policies "of a certain size" I thought you were referring to the lower $350K limit and I wanted to point out that you can get a higher policy limit without the exam. :happy
by travelnut11
Wed Apr 30, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2978

Re: Life Term Insurance? 32 yrs old. [Help requested]

Policies that require a medical exam will be half the price of policies that don't, and non-medical policies are generally limited to a maximum benefit of $350k or less. Some companies that normally require an exam have relaxed their underwriting and may only require a phone interview for policies ...
by travelnut11
Tue Apr 29, 2014 4:23 pm
Forum: Personal Consumer Issues
Topic: best cat litter and price
Replies: 11
Views: 878

Re: best cat litter and price

I like the Nature's Miracle litter because it doesn't have a strong perfumey smell and my cat seems to like that better than the old stuff. I also made a very large homemade litter box from a plastic Target tub and she hasn't gone outside the litter box in ages. I think her prior litter box was too ...
by travelnut11
Tue Apr 29, 2014 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2978

Re: Life Term Insurance? 32 yrs old. [Help requested]

I recently used term4sale.com to get quotes for myself and my husband who are a little older than you (37) but in good health. I ended up with a 20 year, $1 million dollar policy requiring no medical exam for $479 per year. My husband did have to do an exam and ended up in the 2nd best category for ...
by travelnut11
Mon Apr 28, 2014 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Help Needed - Renting with absentee landlord
Replies: 12
Views: 2926

Re: Quick Help Needed - Renting with absentee landlord

From the other side of this coin, I'm a landlord who refuses to rent to anyone I have not met in person with a photo ID. No exceptions. It has probably cost me a few good tenants over the years who were moving here from afar and were totally legitimate but you just never know. It's too risky to me ...
by travelnut11
Mon Apr 28, 2014 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Help Needed - Renting with absentee landlord
Replies: 12
Views: 2926

Re: Quick Help Needed - Renting with absentee landlord

From the other side of this coin, I'm a landlord who refuses to rent to anyone I have not met in person with a photo ID. No exceptions. It has probably cost me a few good tenants over the years who were moving here from afar and were totally legitimate but you just never know. It's too risky to me e...

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