Search found 298 matches

by travelnut11
Fri Nov 03, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2216

Re: Vacation ideas in Jan/Feb?

Be sure to check what weather to expect in Florida, it may be more pleasant than warm and there can be cold snaps. Since you have been so many other places Costa Rica would be worth considering. The surf on the Pacific side can be rough so be cautious about selecting which beaches you go to since t...
by travelnut11
Tue Oct 03, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5758

Re: Would you take a pay cut to work from home?

I would also do it but I've been a happy telecommuter for the last 15 years and cannot imagine going back to the office. Obviously things vary by company/industry but I have not found my telecommute status to limit my job prospects at all. I still get tons of calls from headhunters and recently took...
by travelnut11
Tue Aug 01, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2350

Re: Sunroom Worth It?

We love ours and spend as much time out there as possible. Whoever put it in added electric baseboard heat and the overhead fan keeps it cool enough in the summer. During the winter we keep it closed off during the week since it gets dark so early but on weekends we turn in the heat and enjoy unless...
by travelnut11
Fri Jul 21, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Health Insurance Around Child birth to reduce costs
Replies: 25
Views: 1995

Re: Changing Health Insurance Around Child birth to reduce costs

The baby's well visits should be covered as preventative care though I can't remember if the vaccines are covered or if we pay separately for those. There aren't that many visits to the doctor unless there's an issue: newborn, 2 week, 2, 4, 6, 9 and 12 month the first year. Is she having a scheduled...
by travelnut11
Wed Jul 19, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3412

Re: Indoor activities for a 3-year-old

Kinetic sand is all the rage with my fellow moms. I haven't tried it yet with my 2 year-old but have heard good things.
by travelnut11
Wed Jul 05, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Landlording....
Replies: 12
Views: 1745

Re: Landlording....

I've heard of landlords offering cash for tenants to be out by a certain date without damaging the property.

It costs some money upfront but may save money in legal fees, vacancies, etc. in the long run.
by travelnut11
Fri Jun 02, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 5021

Re: New Milestone

Us too! Just turned 40 and just hit 2 commas including our real estate equity. I think I'll be more excited when our investable assets hit 2 commas and we're at $791K right now. Great job to both of us!
by travelnut11
Sat Dec 31, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting a Leave of Absence
Replies: 25
Views: 2272

Re: Requesting a Leave of Absence

I've done this successfully but it wasn't because I hated my job...I just really wanted to do some extended traveling. I was fully prepared to resign if they didn't grant my leave. I framed it as "I'd really like to continue working here but am feeling some burnout of late and this is my soluti...
by travelnut11
Wed Dec 14, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee
Replies: 5
Views: 1250

Re: Highly Compensated Employee

I see, that makes more sense.

I wish I could help but until now I did not realize that the HCE limits apply to FSAs? I thought it was a 401k thing only. Hopefully someone else can help you out.
by travelnut11
Tue Dec 13, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee
Replies: 5
Views: 1250

Re: Highly Compensated Employee

How can you use a dependent care FSA if your wife doesn't work? I thought both parents had to be working and/or in school to be able to use one.
by travelnut11
Mon Dec 12, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 9823

Re: Well, just got first pair of golden handcuffs

Once you start selling vested RSUs, you will realize a small increase in complication at tax time. RSUs are shown with a cost basis of 0 on the 1099. It is up to you to properly adjust them. Can you clarify this? I received proceeds from some RSUs when our company (privately held) acquired an equit...
by travelnut11
Mon Dec 12, 2016 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Our first baby. Prioritizing investments - Home Downpayment, Retirement, 529?
Replies: 19
Views: 1404

Re: Our first baby. Prioritizing investments - Home Downpayment, Retirement, 529?

Any mortgage I have ever applied for was interested in my gross income not my after tax income so I don't think you need to worry about that. I wish that were the case however I just called a mortgage broker who confirmed they only look at your taxable income. You need to talk to someone else as th...
by travelnut11
Mon Dec 12, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Our first baby. Prioritizing investments - Home Downpayment, Retirement, 529?
Replies: 19
Views: 1404

Re: Our first baby. Prioritizing investments - Home Downpayment, Retirement, 529?

Any mortgage I have ever applied for was interested in my gross income not my after tax income so I don't think you need to worry about that. As to the order of contribution I'm not sure what I'd do but agree that 529 is the lowest priority. I would probably try to take a more even split in contribu...
by travelnut11
Wed Nov 23, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Recommended Reading for Children?
Replies: 10
Views: 987

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: 28
Views: 4112

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: 753

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: 2134

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: 2134

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: 2134

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). 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 they go...
by travelnut11
Fri Sep 23, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1843

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: 9712

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: 2968

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/home.aspx
by travelnut11
Fri Sep 16, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 19
Views: 2475

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: 1265

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: 3869

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: 5001

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: 5030

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: 6036

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: 3869

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: 3150

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: 3150

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: 594

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: 6734

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: 6097

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: 3305

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: 4779

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: 1130

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: 1130

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: 7008

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: 5498

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: 23
Views: 2820

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: 3731

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: 9457

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: 1377

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: 569

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: 18470

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: 8778

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. Also, with my two kids I'm finding it's much, much easier to change behavior/routine when they're younger versus...
by travelnut11
Mon Nov 02, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby & Life Planning
Replies: 15
Views: 2094

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: 6185

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...