Search found 515 matches

by traveltoomuch
Thu Nov 16, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 20740

Re: Flying first class, business, versus economy.

cartman wrote:
Sun Jun 04, 2017 7:50 pm
The question we are contemplating is whether it is worth it to upgrade our seating the next time we travel abroad.
The OP posted in a new thread that they've decided to fly in first or business.
by traveltoomuch
Mon Sep 11, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 22
Views: 3592

Re: Rental Car, best options

...saying that while I would be covered, I would be liable to pay for the car's time out of service during repairs. I've never dealt with this myself, thankfully. It's called "loss of use", and I have heard of rental car companies trying to get reimbursed for it. I imagine that the effective way to...
by traveltoomuch
Sun Jun 18, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 2371

Re: Office Chair

My favorite is the Allsteel 19. Normally it's at least as expensive as Herman Miller, but Madison Seating has them now for $400.

I'd also check craigslist. I expect used Aeron's to go for $300-400.
by traveltoomuch
Tue May 23, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 44
Views: 7568

Re: Fidelity and their "free advisor" service?

Lots of old threads on this topic. Here's one from about a year ago where LeeMKE (two posts up) and I both contributed: viewtopic.php?f=10&t=186223&p=2830116&h ... y#p2830116
by traveltoomuch
Tue May 23, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 25
Views: 2847

Re: Need advice from FF miles experts

Thanks for clarifying that these are AA miles. It makes a difference. I would not use 70k AA miles on a $600-something ticket. I want to see at least $.01/mile of value out of an AA mile redemption, ideally $.02. Also remember that paid tickets will earn miles, which has a small effect on the value ...
by traveltoomuch
Fri May 05, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: best way to get a handle on expenses?
Replies: 16
Views: 1685

Re: best way to get a handle on expenses?

If you decide you need to track cash spending, I suggest writing it down daily, either on paper or on the computer. Do not try to enter each transaction into your financial software everyday. Entering a month's cash transactions should only take a few minutes.
by traveltoomuch
Wed May 03, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: best way to get a handle on expenses?
Replies: 16
Views: 1685

Re: best way to get a handle on expenses?

Quicken. Set it up to download from all accounts with one click. You'll spend less than one hour per month categorizing downloaded transactions, and drill-down is spectacular. Either lump all cash spending into one category or enter the transactions, as you prefer. Warning: Quicken has a "sunsetting...
by traveltoomuch
Tue May 02, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade bed/bath linens
Replies: 23
Views: 2962

Re: Time to upgrade bed/bath linens

+1 to Costco for sheets, specifically the Kirkland Signature pima cotton sheets. I've seen a $15 discount on those, usually in November, but it comes along rarely.
by traveltoomuch
Tue May 02, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 4685

Re: Motor Home

Another RV thread from about a month ago: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=214853 And speaking of repairs: that thread led me (somehow...) to the TechNomdia blog. They have a 1961 bus conversion that they have significantly renovated using specialty RV repair shops. http://www.t...
by traveltoomuch
Tue May 02, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 5569

Re: Buying couches the Boglehead way

Costco tends to have big furniture like sofas in the warehouse twice a year. Around here, that's around January and July. They get one shipment and when it's gone, there is no more. On the other hand, you can pick individual pieces that way, and at better prices than the sets they sell online. If yo...
by traveltoomuch
Thu Apr 27, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Moving to CA for 2 yrs, lease or buy used car?
Replies: 13
Views: 1430

Re: Moving to CA for 2 yrs, lease or buy used car?

I had to look up HOV...and was reminded that we're headed into a metropolis. I don't think of Monterey that way. You'll be within driving distance of a metropolis, but Monterey is still over an hour's drive from even the outskirts of San Jose. I don't think you'll encounter many HOV lanes in your d...
by traveltoomuch
Thu Apr 27, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Moving to CA for 2 yrs, lease or buy used car?
Replies: 13
Views: 1430

Re: Moving to CA for 2 yrs, lease or buy used car?

I didn't realize it was per mile actually, thought it was a total number per year and assumed that number would cover our trips as long as it wasn't to NY. It's a per mile charge over some base allowance, perhaps 12k/year. Another downside: you'll need to carry collision insurance, and on a newer c...
by traveltoomuch
Mon Apr 24, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Hotel Living
Replies: 20
Views: 4004

Re: Hotel Living

Here is a thread from last summer that may have some useful insights.

extended stay hotels [to snowbird for 3 months?]
by traveltoomuch
Sun Apr 23, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 3940

Re: Alaska cruise advice

I would make a point of flightseeing over glaciers in Juneau. If you're feeling frugal, hire a local aviator rather than arrange the excursion through the cruise ship. Misty Fjords did not impress me as much.
by traveltoomuch
Sun Apr 23, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 3307

Re: National Parks in Northern CA

Yosemite Valley will be very busy no matter what day during the summer. Getting out of the Valley it is less crowded. The valley offers some spectacular scenery and the most luxe lodgings in the park, but I wouldn't want to spend very long there during the summer. Make sure to get up to Glacier Poi...
by traveltoomuch
Sat Apr 22, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Hotel Living
Replies: 20
Views: 4004

Re: Hotel Living

Pay attention to lease early termination terms. While their month-to-month offer might be outrageous, maybe the terms for walking away early are more tolerable? What's your proposed mechanism for keeping yourself fed while living in a hotel room, and how does that compare to your life now? Consider ...
by traveltoomuch
Fri Apr 21, 2017 1:30 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 2122

Re: Booking united award tickets with 2 accounts

I'm wondering if I should convert some ultimate rewards to british avios as I think they have cheap domestic award flights. Don't convert UR points speculatively. Make sure there are award seats on the days you want them and that the price makes sense before you jump in head-first. Be aware that BA...
by traveltoomuch
Tue Apr 18, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 5307

Re: Best cruise

Five year planning horizon for a cruise? ... If you book a cruise too early you pay a higher price as often prices decline as you approach sailing date but this varies by line. You've got lots of time to watch the cruise pricing cycles and see what works best for you. Depending on the cruise you ta...
by traveltoomuch
Sat Apr 15, 2017 5:31 am
Forum: Forum Issues and Administration
Topic: How to download your own Bogleheads posts
Replies: 4
Views: 1635

Re: How to download your own Bogleheads posts

sean.mcgrath wrote:To underline Lady's point, I'd suggest that you edit your original post to make clear that the information you mention contains the only things that need to be filled in, and that personal information is not required.
I added some color and more specific language. Thanks for the suggestion!
by traveltoomuch
Fri Apr 14, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: ibond vs cd
Replies: 36
Views: 5469

Re: ibond vs cd

For those who actually plan on buying i-bonds this year, I'm curious your plan is? I'm leaning toward "buy now" with the assumption that I'll likely cash it in at the 12 or 15 month point. Here's a writer whose thoughts I like: https://seekingalpha.com/article/4062475-inflation-dips-march-bonds-var...
by traveltoomuch
Fri Apr 14, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What constitutes "a lot" of money?
Replies: 81
Views: 12981

Re: What constitutes "a lot" of money?

I like the data points of $10 on lunch is "a lot" and $10k on vacation reasonable. Thanks *3!4!/5! and Da5id. :happy I've just posted in a couple of car repair threads here, and those triggered some thoughts about how my own spending habits have changed through the years: when I need to replace the ...
by traveltoomuch
Fri Apr 14, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Repair vs Replace car for someone just starting out
Replies: 25
Views: 2830

Re: Repair vs Replace car for someone just starting out

I hear your fears about this car failing. How realistic are those fears? How well have you and the previous owners kept up with maintenance? How often have the oil and the transmission fluid been changed? The 2007 Sonata has a timing chain, not a belt, so there's little risk of a failure there. More...
by traveltoomuch
Thu Apr 13, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Mixed Feelings - "Investing" in my car
Replies: 6
Views: 1309

Re: Mixed Feelings - "Investing" in my car

If the money from the bonus had not been staring at you, what would you have done differently? Not done all of the repairs? (Perhaps only done enough to get it back on the road but held off on the tires and brakes?) Taken on CC debt to do the repairs? Sold other investments to pay for the repairs? T...
by traveltoomuch
Thu Apr 13, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Seeking feedback on portfolio
Replies: 7
Views: 883

Re: Seeking feedback on portfolio

As others have said, this looks pretty good. I'd get the bonds out of the taxable accounts and consider selling individual stocks. I prefer to use Roth space for equities, leaving bonds in the 401k/IRA tax-deferred accounts. It looks like you're considering not maxing your 401k even though you have ...
by traveltoomuch
Wed Apr 12, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 2504

Re: Keep old yet reliable used car or buy new

those are very different vehicles. which will you enjoy more? would you consider a used Jeep instead?

if it were me, I'd keep (or buy) the 2007 BMW 328. No (or lower) sales taxes. Lower excise taxes, if applicable. Probably lower insurance.
by traveltoomuch
Wed Apr 12, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(K) Fund Options & Overall Allocation
Replies: 5
Views: 643

Re: New 401(K) Fund Options & Overall Allocation

3-fund is very popular here. Consider leaving the existing 401k account alone. It sounds like you don't need to do a backdoor roth now, and I would not recommend a roth conversion. It sounds like you don't understand the roth options fully - I'd just ignore them for now. Are you sure you're not miss...
by traveltoomuch
Wed Apr 12, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5830

Re: Car Breaks Down on Long Road Trip

Why not rent a car to begin with? If car breaks down, rental company brings you a replacement and deals with the problem. This idea came up in another thread recently. did you book the hotel stay with a credit card that has trip interruption/cancellation insurance? If so, you might look at what tha...
by traveltoomuch
Wed Apr 12, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Helping a friend move retirement $ to Vanguard
Replies: 4
Views: 748

Re: Helping a friend move retirement $ to Vanguard

First, only use target date funds in tax-advantaged accounts, like an IRA. Second, do not allow the change in custodian to change the asset allocation. If he was 60/40 at EJ, put him in 60/40 at vanguard until he figures out what asset allocation he wants going forward. It's unlikely that the bulk c...
by traveltoomuch
Wed Apr 12, 2017 5:28 am
Forum: Forum Issues and Administration
Topic: How to download your own Bogleheads posts
Replies: 4
Views: 1635

How to download your own Bogleheads posts

For those who wish to download an archive of all of your own Bogleheads posts over the years, here is a tool for doing so: http://creativeandcritical.net/fups/enter-options?forum_type=phpBB The 'forum type' is: phpBB The 'base forum URL' is: https://www.bogleheads.org/forum Follow the instructions o...
by traveltoomuch
Sun Apr 09, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 33634

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

With so many people on the wait list year after year, what is preventing the group from making the conference larger? Since no one with direct knowledge is answering, I'll guess: unwillingness to switch venues and unwillingness to switch to theater seating (v. banquet seating). They appeared to be ...
by traveltoomuch
Sat Apr 08, 2017 6:30 am
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 4599

Re: Disappearing posts?

That's a linear scale, O(n). On the other hand, just notifying the OP takes the same amount of time regardless of the number of participants, e.g. a constant scale, O(1). Your point is well taken. It's also work that could (presumably) be automated. In any case, I'd like to hear the moderators' ans...
by traveltoomuch
Fri Apr 07, 2017 9:49 am
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 4599

Re: Disappearing posts?

gkaplan wrote: Again, why don't you PM a moderator?
Because I'm asking for a change in moderation behavior, not for someone to dig up one post. I think those discussions should happen in the light of day provided by the public forum, not in a PM with a single moderator.
by traveltoomuch
Fri Apr 07, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Reevaluating Asset Allocation in Retirement Portfolio
Replies: 8
Views: 1428

Re: Reevaluating Asset Allocation in Retirement Portfolio

Interesting idea. Those are definitely Boglehead-ish funds - if you want to do the 3-fund portfolio, those are fine choices. As harvestbook says, though, fee differences down at this level are rounding errors, at least compared to the fees of the funds you're in now. The Fidelity 401k site should ha...
by traveltoomuch
Thu Apr 06, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Reevaluating Asset Allocation in Retirement Portfolio
Replies: 8
Views: 1428

Re: Reevaluating Asset Allocation in Retirement Portfolio

Which leads me to my next question: If I choose the target date option, is the assumption that the 'age-appropriate' allocation of bonds are in the mix? So therefore I would put 100% in the target date fund and forget the bond index in my 401k? right. I would reallocate sooner if I weren't being fo...
by traveltoomuch
Thu Apr 06, 2017 8:12 am
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 4599

Re: Disappearing posts?

traveltoomuch wrote:... that's why I think the proactive notification of deletion will help. Would you be willing to notify everyone who's contributions are deleted?
Bumping this thread in hopes of getting a direct answer to my request/suggestion.
by traveltoomuch
Wed Apr 05, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Reevaluating Asset Allocation in Retirement Portfolio
Replies: 8
Views: 1428

Re: Reevaluating Asset Allocation in Retirement Portfolio

1. I like 80/20. 2. First, why not use the target date fund? The expense ratio is right, and it means you don't have to think about it again. If you want to go with the 3-fund thing: I would add in the small/mid cap fund in an 80/20 ratio with the S&P fund, but it probably doesn't matter much. Why a...
by traveltoomuch
Mon Apr 03, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: What use are Chase UR Points (to me)
Replies: 21
Views: 4367

Re: What use are Chase UR Points (to me)

From what you're saying, just cash them out. Even with your preference for budget hotels, I think you could get some value from transfers to Hyatt - category 1 and 2 redemptions cost 5k and 8k points, respectively, which is only $50 or $80 at $.01/point. Many Hyatt Place properties are category 1 an...
by traveltoomuch
Mon Apr 03, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 9415

Re: Is Craigslist still the main site to sell stuff locally?

jeffyscott wrote: Craiglist still works okay for me, but can be annoying as there seem to be a lot of no shows.
How are you making and (re-)confirming the appointments? A phone call within two hours of the appointment might help.
by traveltoomuch
Mon Apr 03, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 3418

Re: Google Voice as secondary number: pros & cons

1. GV apparently only accepts cell phone numbers, so they need to temporarily port the number to a cell first. What is the best way to do this? 2. The GV needs to be associated with a gmail address, but my friend should get a separate email address to associate it with and not use their main gmail ...
by traveltoomuch
Mon Apr 03, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: Screwed over by the airlines...
Replies: 42
Views: 6218

Re: Screwed over by the airlines...

I'm sorry you had a bad travel day. I would have hoped for a better response from Southwest. I'm sorry that didn't work. Honestly, I'd chalk this up to "lesson learned" and walk away. The most productive path might be to poke Southwest again. I might try filing a claim with the CSR card, but don't e...
by traveltoomuch
Sun Apr 02, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: [2016 Bogleheads 15 Conference Report]
Replies: 53
Views: 8610

Re: [2016 Bogleheads 15 Conference Report]

Reflecting back on the 2016 conference, which was my first: Notably lacking in the program was any tie back to these forums - there was nothing in the program about how to improve the forums, e.g. "how to be more help to newcomers". Many people I met do not post (regularly) on the forum. Some did no...
by traveltoomuch
Sat Apr 01, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 3897

Re: Physician-Resident looking for Portfolio Advice

Thanks for the amazing feedback everyone! You are most welcome. Thank you for taking the time to so thoughtfully engage on our responses. I'm seeing this as a sign that you'll be a good doc. :happy Interesting take on the TIAA Real Estate Account to replace the REIT index. Could you go into a littl...
by traveltoomuch
Sat Apr 01, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Master directory [for important documents]
Replies: 8
Views: 1108

Re: Master directory [for important documents]

How well would something like Dropbox or Google Drive work for you? Or Evernote, as jebmke mention. What requirements would those not meet?
by traveltoomuch
Sat Apr 01, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 105
Views: 7042

Re: What's your personal criteria for deciding whether or not to rent a car?

Are all these example with free pickup and drop off from your home? My examples are not, though presumably the Enterprise example is. Enterprise tries to make that a selling point. In my experience, other companies offer the service "as available". It's not so reliably available that it's included ...
by traveltoomuch
Sat Apr 01, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 9415

Re: Is Craigslist still the main site to sell stuff locally?

c-l still works for me. As a seller, I find that the more unique the item, the more patient I must be. Sometimes it can pay to chase a buyer - calling back someone who called last week but never closed the deal. But usually it's better to just wait. I've reposted items for months without seeing any ...
by traveltoomuch
Sat Apr 01, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 105
Views: 7042

Re: What's your personal criteria for deciding whether or not to rent a car?

Does anyone actually read the posts they are responding to? The sentence JUST ABOVE the one you quoted notes that the OP needs a full size car or 3-row SUV... Yes. Some even follow the whole thread. The $40 number came up in the context an example I had made up, separate from the OP's trip. I was i...
by traveltoomuch
Thu Mar 30, 2017 4:30 pm
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 4599

Re: Disappearing posts?

You can always PM a moderator for a copy of the post. Thank you very much for offering that. It is a very generous offer. Unfortunately, it doesn't address the problem in most cases. I usually just remember "hey, I wrote a great post about this on Bogleheads four months ago", but I usually won't re...
by traveltoomuch
Thu Mar 30, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting vs Tracking Expenses?
Replies: 42
Views: 4732

Re: Budgeting vs Tracking Expenses?

I find value in tracking expenses - knowing what went where (v. averages or even a "budget"), just so I can consider where I might want to cut next. What pain points give me the most financial impact? "Hummm, spending $2400/year on cable TV... do I want to continue that?" But as for budgeting... ......
by traveltoomuch
Thu Mar 30, 2017 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 3897

Re: Physician-Resident looking for Portfolio Advice

1. The portfolio looks pretty good. (And aside from using the 2035 fund, it looks great!) Good job. I'd reconsider the choice of the 2035 fund in the Roth, but this is not pressing. I personally use the TIAA Real Estate Account, and I would consider that in your 401k as an alternative to the REIT in...
by traveltoomuch
Thu Mar 30, 2017 2:11 am
Forum: Forum Issues and Administration
Topic: Disappearing posts?
Replies: 21
Views: 4599

Re: Disappearing posts?

We don't delete threads, but instead move them to a private forum. You can check if the thread was pulled if you get this message, which is in the FAQ (top left forum menu). ... We only notify the OP of the move . (emphasis added) I urge that you change this practice to include notifying every post...