Search found 62 matches

by travelspot
Fri Jul 31, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5658
Views: 1368436

Re: What Movie Have You Recently Watched?

“Tread” on Netflix. 90 minute documentary about a man dealing with his perceived enemies in a small Colorado town. I won’t say any more for those who don’t know the story yet. Well done.
by travelspot
Sun Jul 19, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9041

Re: Deciding whether to retire - it's difficult!

For a 60 year old couple the odds that both of them will be alive and in good health in ten years are not that great. If you have any contact with your high school class you might look into how how your old classmates are doing. I have also seen relatives naturally slow down by about their mid 70s ...
by travelspot
Sun Jul 19, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5658
Views: 1368436

Re: What Movie Have You Recently Watched

We watched “Logan Lucky” last night and really enjoyed it. Thank you LadyGeek, Peculiar_Investor and others for the tip. Great caper flick from 2017.

Also thought “Uncut Gems” was very well done, with Adam Sandler showing greater acting depth.
by travelspot
Wed Jul 08, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: Anybody use a percussion massage device?
Replies: 16
Views: 1205

Re: Anybody use a percussion massage device?

Oh yes. Hypervolt is awesome. Have had it for almost a year. Very popular in my house and also an excellent conversation piece with friends. Everyone loves it.

Very helpful for relieving tightness.
by travelspot
Mon Jun 29, 2020 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16615

Re: What is the best financial decision you ever made?

Max out retirement accounts early, get/stay out of debt, invest more instead of lifestyle creep, and marry a like-minded spouse. A winning formula, and a common theme on this forum.
by travelspot
Sun Jun 28, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance?
Replies: 146
Views: 7635

Re: How much umbrella insurance?

That’s what my initial reaction was too, but I’ve seen it done. I agree the insurer can’t pay directly to the plaintiff(s) without getting a release of liability for its insured, but it can give the policy limits to the court - which holds the funds in escrow pending resolution of the case. Result b...
by travelspot
Sat Jun 27, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance?
Replies: 146
Views: 7635

Re: How much umbrella insurance?

There is plenty of good advice here already (except for the claim about someone easily obtaining your investment account balances before a judgment is obtained - no). I will add a reason to obtain more umbrella coverage than just the basic $1 million. Obviously the reason to have umbrella coverage i...
by travelspot
Sat Jun 27, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11603

Re: What is the single best piece of exercise equipment you bought for your home?

I love my combination of weights (Weider bench, free weights, dumbbells), elliptical and dip station. One time purchases that last for decades. I use them every day.

Swimming is arguably the best workout though.
by travelspot
Fri Jun 26, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5658
Views: 1368436

Re: What Movie Have You Recently Watched?

Watched Hell or High Water on Netflix. Great Action. Great dialogue. Nominated for several Oscars. Movie about brothers in West Texas robbing banks. Lots of good characters. Recommended Watched this on your recommendation and really enjoyed it, thank you. Not sure how I missed it in 2016 with all t...
by travelspot
Sat Jun 13, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 160
Views: 9716

Re: New construction house - what to consider?

Heated floors in master bathroom and mudroom.

Tankless water heater for unlimited hot water.

Keyless door locks on exterior doors. Don’t get the cheap $50 ones due to quality issues; the reliable ones cost a couple hundred each but well worth it. No more keys. We’ve been happy with Codelock.
by travelspot
Tue Jun 02, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

Ball watches can be had for less than the stated minimum, but are high-quality and have been around a long time. I like wearing a quality automatic watch without thinking I paid a premium for a more popular name of similar quality. A semi-Boglehead approach. I’ve been happy with the Engineer Hydroca...
by travelspot
Sat May 16, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5716

Re: Thinking of buying a boat during pandemic – am I CRAZY?

Yes you should do this. Boats are great. You have a seven figure income and a house on a lake. You can certainly afford it. Don’t worry about the money. The memories you will make with your family will be worth it. We had the boat itch like you do. Scratch it! We bought a used boat (with a cabin/hea...
by travelspot
Tue May 12, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: How to visit all the US national parks
Replies: 19
Views: 2155

Re: How to visit all the US national parks

This couple visited all national parks in one year. You may find their information useful in your quest, good luck -

http://switchbackkids.com/nationalparks/
by travelspot
Fri May 08, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13715

Re: Is Disney the most tempting value stock?

I’ve bought and sold Disney multiple times with some fun money over the years, sold again last week at 105 after buying on the way down to 85 in March. It’s a great company that’s not going anywhere, but has been at its current price in previous years too. It’s pretty reliable to make small gains fo...
by travelspot
Fri May 08, 2020 5:38 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 226
Views: 25857

Re: Roll Call for the Retirement Class of 2020!

Congrats to LadyGeek and the rest of the 2020 class. I hope to join you later this year.
by travelspot
Wed May 06, 2020 8:01 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3080

Re: How do I get out of home a partnership agreement?

Second naughty brother post today! No good deed goes unpunished... OP, you are in an unfortunate situation but not without leverage. You are on the title, plus you have the agreement with your brother in writing. I know you said you don’t want to hire an attorney but that is just what you should do....
by travelspot
Wed May 06, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Home brewing recommendations
Replies: 25
Views: 1364

Re: Home brewing recommendations

Yes the book “How to Brew” was key for me, and a great starting point. Get a huge, quality pot too.

I would also stress the need to (over) sanitize everything during the brewing process.

It’s a fun hobby, good luck!
by travelspot
Sat Apr 18, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 542978

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

Down only 6% at this point. Was about 90/10 in January but thankfully moved a bunch to bonds before COVID-19 hit. Not market timing, was just getting more conservative in preparation for early retirement.
by travelspot
Tue Apr 14, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14201

Re: How many paid for kids' college?

We paid for all of our kids’ college expenses - tuition, housing, food, books, etc.

It was a lot, but we wanted to launch them debt free. Glad we did.
by travelspot
Sun Apr 12, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 167
Views: 15330

Re: Airline refusing to issue refunds

FWIW, we had a Delta flight to Mexico that was to depart last week. Delta did indeed just give a $2100 credit at first. We called and used the DOT enforcement notice linked in the above posts, and though we were on hold for a while a couple of times, we did ultimately get a refund. I think it helped...
by travelspot
Thu Mar 26, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 326
Views: 50583

Re: Anyone disenchanted with retirement?

I'm 45 and just going through my "next chapter in life," after owning a small business for 21 years. I can't say I'm retired...but just working part time and changing my thinking. I agree...those who tie their existence to their job title might find it difficult, but I look at it this way....over t...
by travelspot
Sat Mar 21, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: I won the game but kept playing
Replies: 133
Views: 11977

Re: I won the game but kept playing

OP, I won the game, retired at 50 and still playing with 100% equities. I am down more then you with a bigger portfolio but if you look on the bright side you are only down to around January 2019 level. We will get through this mess soon. The market is down a lot more than that. Perhaps you meant t...
by travelspot
Sat Mar 21, 2020 11:36 am
Forum: Personal Investments
Topic: I knew this was going to happen and did nothing...
Replies: 107
Views: 10158

Re: I knew this was going to happen and did nothing...

^^ this

We only reconstruct it later in our heads that we 100% “knew” something after it turns out to be true. Before it becomes true, there are numerous other possible outcomes which could have occurred instead. Stay the course.
by travelspot
Tue Mar 17, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5658
Views: 1368436

Re: What Movie Have You Recently Watched

Long Shot on Netflix. Not the Seth Rogen movie of the same title; this is a short documentary about someone accused of murder in L.A. Don’t look up anything else about it, and anyone out there who has seen it don’t spoil it! Amazing sequence of events, and the documentary is only 40 minutes long. Hi...
by travelspot
Fri Mar 06, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand why I need uninsured, underinsured motorist liability and medical payments.
Replies: 50
Views: 4046

Re: Help me understand why I need uninsured, underinsured motorist liability and medical payments.

Often the most important aspect of uninsured and underinsured coverage is that it covers your pain and suffering damages. This may vary by state but is true in general. In the event you are injured by an uninsured or underinsured driver: Yes your own health carrier may pay your medical bills, and ye...
by travelspot
Sat Feb 22, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 282
Views: 33701

Re: Did you celebrate when you finally hit $1m?

I don’t recall being aware of hitting the first million in net worth. I do recall when my tax deferred account hit $1M; but similar to JediMisty above, it was more of just a high five and a cocktail. Oddly, there was more celebration when our student debt was paid off many moons ago - we dedicated t...
by travelspot
Wed Feb 05, 2020 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12202

Re: Couples w/ kids: What is/was the most expensive time period of your life?

Whether one has saved and has the money ready to deploy or is paying as they go, by far the most expensive phase of raising children is the college years. The previous years, while expensive, don’t come close. Tuition and books are just the beginning. Then pay the rent, utilities and food, and maybe...
by travelspot
Mon Feb 03, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14756

Re: Books that changed your life

“Autobiography of a Yogi” by Paramahansa Yogananda.

Excellent spiritual exploration. The author was Hindu but discusses similarities with Christianity. (He also wrote a two volume chronology on the life and teachings of Jesus.)
by travelspot
Mon Jan 27, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: 15yr vs 30yr mortgage
Replies: 33
Views: 2959

Re: 15yr vs 30yr mortgage

When we refinanced, I also had most people recommending the 30 year option and then just pay it off early. I went with the 15 year instead, specifically to get the lower interest rate (and then paid it off even earlier). Saved a lot of money with the lower interest rate. It’s obviously a personal de...
by travelspot
Mon Jan 27, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: Amount of cash wedding gift?
Replies: 57
Views: 4834

Re: Amount of cash wedding gift?

If it is a relative and you are not going to the wedding, I think a card with $100 is the way to go. That’s what we do when not going, and if we are going then the amount is adjusted to be sure the cost of our dinner is covered as well. Someone above referenced millennials not writing thank you card...
by travelspot
Sun Jan 26, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 798
Views: 43843

Re: What are you listening to now

Freefun wrote:
Tue Jan 14, 2020 2:29 pm
Stairway to heaven cover by Heart, at the Kennedy Center.

https://youtu.be/LFxOaDeJmXk
That was awesome, thank you
by travelspot
Sun Jan 26, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: First Visit to Keys and Marathon, FL
Replies: 25
Views: 2392

Re: First Visit to Keys and Marathon, FL

In Key West consider dinner at Seven Fish. Four star food in a two star setting. Nestled in a neighborhood. Get a reservation!

https://www.7fish.com/

https://www.timeout.com/miami/restaurants/seven-fish
by travelspot
Thu Jan 23, 2020 12:36 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27490

Re: Sad news: LadyGeek's husband has passed

LadyGeek, please accept my condolences for your loss. I hope you are finding strength in the love and support of your family and friends, and the knowledge that your husband is in a better place.

I find myself saying this more often: you never know what someone else is going through.
by travelspot
Tue Jan 21, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance in Retirement?
Replies: 42
Views: 3116

Re: Life Insurance in Retirement?

Spouse and I are in our 50s and do have term policies on each other. One is to replace the partial loss of pension if the other goes; the other is not really necessary but provides additional money if there are end-of-life medical costs incurred. Both policies would provide additional inheritance fo...
by travelspot
Mon Jan 06, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Car totaled, how does it work
Replies: 57
Views: 2933

Re: Car totaled, how does it work

If your insurance company deems your car totaled, yes they will assess a value and give you a check (unless there is a lien as noted above). However, you don't have to accept the first number they give you. My car was stolen/totaled once, and I negotiated a higher amount from the carrier by pulling ...
by travelspot
Wed Jan 01, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Before I found Bogleheads.....
Replies: 36
Views: 3526

Re: Before I found Bogleheads.....

Backdoor Roth
Variable Percentage Withdrawals (thank you longinvest)
by travelspot
Wed Jan 01, 2020 1:11 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 542978

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

Investments up 26% in 2019 (almost 100% equities)
by travelspot
Sun Dec 29, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Before Retirement
Replies: 27
Views: 3182

Re: Vacation Home Before Retirement

We looked at something like this long and hard a few years ago, using stats not unlike yours. Ultimately decided against it. As you stated, it is not an investment and not financially wise - your money is better put elsewhere especially since you would not be renting it out. The numbers just don’t w...
by travelspot
Sun Dec 29, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Good quality work/ dress shoes?
Replies: 23
Views: 1573

Re: Good quality work/ dress shoes?

I highly recommend you look at Allen Edmonds. I made the switch from Johnston & Murphy several years ago. Yes twice as much but way more comfortable and long-lasting. Just re-sole the AE shoes and they can last for many years. Also AE is much better at fitting to your proper size (width not just len...
by travelspot
Sat Dec 21, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Next Level Move that made the difference
Replies: 44
Views: 3591

Re: Next Level Move that made the difference

What move do you think,whether it be financial or professional, made the largest impact on your wealth? Also, knowing what you know now, what would your suggestion be to someone in their 30's if different than your answer to the question above? For me: 1. start investing immediately with first job ...
by travelspot
Sun Nov 24, 2019 9:15 pm
Forum: Personal Investments
Topic: Windfall of $3m at market high - need advice on plan.
Replies: 27
Views: 4710

Re: Windfall of $3m at market high - need advice on plan.

livesoft wrote:
Sun Nov 24, 2019 8:47 pm
This is the REAL definitive thread on DCA:
The Final, Definitive Thread on Dollar-Cost Averaging
Oh my goodness thank you for this link. Awesome.
by travelspot
Tue Nov 12, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 2223

Re: Experience/cost MLB spring training?

I go to Florida for spring training games every year. As others have pointed out, things have changed; the games are now big business, the venues have gotten much bigger, ticket prices have increased, etc. Some of the stadiums even feel like minor-league fields now. I still think it’s worth it thoug...
by travelspot
Mon Oct 14, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Recommendations for framing a large photograph
Replies: 12
Views: 1277

Re: Recommendations for framing a large photograph

I have also purchased frames for large photographs from www.framedestination.com and have been very happy with them. I think you could find what you need for just north of $100. Other options e.g. custom frame stores are just too expensive, and the Frame Destination ones look great.
by travelspot
Mon Sep 16, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: The Berkshires or Finger Lakes?
Replies: 15
Views: 2012

Re: The Berkshires or Finger Lakes?

Since you are settling on Finger Lakes region, consider a day trip to Letchworth State Park which is on the west end. It’s “The Grand Canyon of the East,” and has got to be the prettiest state park in the country. I just returned from there and it is gorgeous. Start on the north end of the park in M...
by travelspot
Mon Aug 05, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How does Section 8 Housing work?
Replies: 13
Views: 1596

Re: How does Section 8 Housing work?

Section 8 vouchers are now called Housing Choice Vouchers (HCV). They are usually administered by local housing authorities, who have an allotted number of vouchers approved by HUD, which pays the subsidy. It’s unlikely that the subsidy would be removed, as the HCVs aren’t going anywhere. It is howe...
by travelspot
Wed Jul 31, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 17507

Re: What is your hobby and how did it come to be your hobby?

Longtime hobbies are hiking, backpacking and photography.

But now a huge one is reading new and old threads on the Bogleheads forum! What a (time consuming and worthwhile) resource...
by travelspot
Wed Jul 31, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7549

Re: What's your Uber passenger rating?

4.88 I had thought better ratings were through tipping, which I always do anyway, but apparently not. If I had to guess now, I think it is key to be waiting outside when the car pulls up. I’ve seen a lot of drivers sitting and waiting for passengers, and assume that would be annoying since your phon...
by travelspot
Wed Jul 24, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Owners of RECENT Speed Queen washers ONLY
Replies: 13
Views: 2748

Re: Owners of RECENT Speed Queen washers ONLY

We purchased a TR5 in early 2019 and it has been working just fine. No issues.

After researching all the washers, we ultimately settled on Speed Queen for durability and (hopefully) longevity. No bells and whistles, just standard, tried and true technology. Speed Queen is the way to go.
by travelspot
Fri Jul 19, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2580

Re: Glacier National Park

We went a few years ago and loved the hike to Grinnell Glacier. You can shave some miles with the optional boat ride from Many Glacier Hotel, which is a nice way to start and end the trip. http://www.hikinginglacier.com/grinnell-glacier.htm The views on this hike are fantastic. We also saw plenty of...