Search found 803 matches

by Traveler
Sun Nov 17, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Should I Travel ot Ecuador?
Replies: 49
Views: 3504

Re: Should I Travel ot Ecuador?

I haven't been to Ecuador but traveled by myself to Cartagena, Colombia and also around Argentina. I've also been to Santiago, Chile and Buenos Aires (first time), but not solo. I wouldn't hesitate to go to Ecuador, especially with a tour group. I don't speak a language other than English and am a 4...
by Traveler
Sun Nov 17, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 1793

Re: New Tenant.... possibly

Can you ask for some paystubs to verify income? If he is new to the US, he probably doesn't yet have a tax return.
by Traveler
Sun Nov 10, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3680

Re: Tale of 2 doctor job opportunities

Disclaimer: I am not a physician and don't work in the healthcare industry - I am a businessperson working for a megacorp. I would think the business skills you will learn in option #1 could be very beneficial in the future. I've always envied those who had the guts to start a business and not be a ...
by Traveler
Sat Nov 09, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Understand Safe Harbor rules correctly?
Replies: 27
Views: 2489

Re: Do I Understand Safe Harbor rules correctly?

Why isn't company withholding from the bonus? It is not 1099 income and all applicable withholding would apply along with FICA taxes. This was my question as well. My bonus earlier this year was taxed at 22%, lower than my marginal rate. From a quick google search, for what it's worth, it seems tha...
by Traveler
Mon Nov 04, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

If I had to pay $50/month for dental insurance premium with a standard max payout limit of $1500-2500, I would skip the insurance and self insure. Seems about the same as buying insurance for a cell phone or laptop (again, I would skip it). As it is, my employer subsidizes my dental and this year th...
by Traveler
Sat Nov 02, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 1990

Re: 40th Anniversary Travel Ideas

I spent two weeks in October in Malta and really enjoyed it. It is small so you could base yourself solely in Valletta and do day trips to other parts of the island, or move around a couple times and explore other areas in more detail. Good food, temples/ruins 1000 years older than the pyramids, mor...
by Traveler
Sat Nov 02, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 2834

Re: Consider the next phase of our travel?

Why not revisit some places or countries you have been? Just because you may have been to Italy, have you been to the countryside? Umbria? Puglia? Sicily? Sardinia? The Lakes region? There is much more to Italy than Venice, Florence and Rome. This is just an example, but while I have traveled a fair...
by Traveler
Fri Nov 01, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Bonus
Replies: 27
Views: 3067

Re: Taxes on Bonus

My experience this year is that bonuses were withheld at 22% which is actually not enough
by Traveler
Fri Nov 01, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Just got married] Looking for ways to cut down on my budget
Replies: 80
Views: 6427

Re: [Just got married] Looking for ways to cut down on my budget

Not sure I'm a good comparison since I am single with no kids but I earn gross ~$200K. Here is what I spend annually in decreasing order: Income/payroll tax: $48000 Travel: $17000 Household: $7200 (mortgage is paid off so this is mostly taxes, insurance and condo HOA) Food: $4800 Charity: $4000 Pers...
by Traveler
Wed Oct 30, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3601

Re: Anyone have an issue with Corelle plates?

My parents bought me a set of Corelle dishes (and Oneida silverware) when I graduated college (1994). I may have broken a bowl but otherwise I think I have the entire set along with some accessory pieces. And the Oneida silverware still looks nearly new. I love the Corelle because I don't have a lot...
by Traveler
Sun Oct 27, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121257

Re: What frugal thing did you do today?

Shopped my car insurance with several companies and found that my current company is very competitive
by Traveler
Sun Oct 27, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question
Replies: 18
Views: 2297

Inheritance question

An uncle passed away last year and I recently received an inheritance that is not a lot but more than the gift tax limit of $15K. I, maybe naively, thought that inheritance is not taxable but the information from the estate attorney's office said they will be sending a schedule K-1 during tax season...
by Traveler
Wed Sep 25, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 37
Views: 3511

Re: Quiz: How Well Do You Know Social Security

Why wouldn't unemployment affect the amount of SS one gets? The year I was unemployed has very little income shown according to SS which makes one of my 35 years less than normal, thus impacting how much I will get down the road.
by Traveler
Sat Sep 14, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30135

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Good for you OP! I agree with other posters that it is eye opening how different tax liability can be. $1,700 per year federal and state combined ???? :sharebeer Seriously. This is messed up. Our income is over 400k and we paid over 75k in income taxes. So we make roughly 4x as much money and pay r...
by Traveler
Sun Sep 08, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford?
Replies: 12
Views: 2135

Re: How Much House Can I Afford?

For those suggesting he pay cash, are you suggesting he pull money from the inherited IRA? If so, why do you suggest that over taking on a mortgage?
by Traveler
Thu Sep 05, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage Calculation
Replies: 51
Views: 3276

Re: Savings Percentage Calculation

I have no idea if there is truly a correct answer to your question, or if there is even any benefit to calculating it, but here is the formula I use: (Savings + 401K match + employer pension contribution) / (Gross income + 401K match + employer pension contribution) I try to save two times my cash e...
by Traveler
Thu Sep 05, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: How does my auto insurance look to you? Is the coverage ok?
Replies: 43
Views: 2510

Re: How does my auto insurance look to you? Is the coverage ok?

If it were me, I would probably increase the uninsured motorist coverage
by Traveler
Sun Aug 25, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2911

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

I would definitely drop comp and collision but would look at increasing liability and underinsured. It doesn't take much to get to $100K. Or maybe you have an umbrella policy that would kick in (umbrellas will require fairly high coverage for auto).
by Traveler
Sun Aug 25, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3795

Re: Another car affordability question, YOLO vs. extreme FI

I can't imagine someone with only $100K at age 34 confidently being FI by 50. I didn't see if you mentioned your income but that would play a role in your ability to FI early. If you have an extra $15-20K each year, why not save for a couple years and pay cash? Then in a couple years if you don't wa...
by Traveler
Sat Aug 24, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8956

Re: Do you sacrifice to save?

I save >50% of my gross income and don't feel like I sacrifice. I have my home expenses down to <$500/month so even with my high savings rate, I have quite a bit to spend. That said, I just booked a flight to Europe and am only doing Premium Select economy instead of Business because I decided not t...
by Traveler
Sun Aug 18, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 5962

Re: How to read (and retain)?

I am like this with most movies. I can watch a movie and a week later I remember that I watched it and can tell someone a basic summary of what it was about, but usually don't remember how it ended. I've never been that into movies so maybe that's why. Regarding reading, I read a lot for work, mostl...
by Traveler
Fri Aug 16, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 4258

Re: What companies provide the best customer service

Chick-fil-A
Publix
Trader Joe's
Fidelity (although it is rare I have to contact them)
Delta Community Credit Union (formerly part of Delta Air Lines)
Had good service recovery from Bath and Body Works last week but I rarely shop there
by Traveler
Fri Aug 16, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3810

Re: 10 Year Cost of Owning My CR-V

My low mileage 5-year old car's cost per mile is crazy high. But I can likely keep it at least another 10 years.
by Traveler
Fri Aug 16, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL savings rates
Replies: 43
Views: 3724

Re: HCOL savings rates

We're DINKs in San Francisco, bought our home 6 years ago. $310k gross (excluding investment income) $50k Fed tax $20k state tax $7k property tax $200k savings (excluding employer 401k match and stock options) You only spend 33k a year for 2 people? :shock: $2,750/month - I am always amazed how lit...
by Traveler
Fri Aug 16, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3299

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

I spent a week in Portugal in 2007 and loved it. It is a place I will definitely return to - maybe next year. Yes, it was cheaper than some places in western Europe but it is also very nice and the weather is better than most of Europe.
by Traveler
Thu Aug 15, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13282

Re: Amazon -- no longer the lowest prices, evidently

I don't understand people's obsession with Amazon. To me it is irrational consumption that sooner or later will catch up with itself. Seems that the word "convenience" is used as an excuse to be lazy and not spend an extra three minutes finding it cheaper elsewhere. For me it's also about convenien...
by Traveler
Thu Aug 15, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1174

Re: Moving from Canada -> USA tax implications

If I were you, I would seriously look into the limitations of a faith based plan. It is not insurance coverage. I'm guessing they will be more than happy to take your $140/month but might not be as happy to pay your medical bills should you need them to.
by Traveler
Sat Aug 10, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13282

Re: Amazon -- no longer the lowest prices, evidently

I don't understand people's obsession with Amazon. To me it is irrational consumption that sooner or later will catch up with itself. Seems that the word "convenience" is used as an excuse to be lazy and not spend an extra three minutes finding it cheaper elsewhere. These will be the people who stic...
by Traveler
Sat Aug 10, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8695

Re: No pay increase but increase in responsibility

I see this often and I routinely have coworkers that complain about working 10-15 hours a week in unpaid overtime. Most of the time, the extra work they're doing is not high visibility or a high priority. Consequently, they're not compensated in wages or in promotions. They're working for free and ...
by Traveler
Fri Aug 09, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: $3,400/yr seem reasonable for insurance? Reduce this cost???
Replies: 27
Views: 2724

Re: $3,400/yr seem reasonable for insurance? Reduce this cost???

You reference comprehensive but do you actually mean collision? Comprehensive usually doesn't cost much. If you mean collision, drop it - your cars aren't worth much.
by Traveler
Wed Aug 07, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need help deciphering Short Term Disability options and worth
Replies: 10
Views: 591

Re: Need help deciphering Short Term Disability options and worth

Short term disability covers more than maternity leave. Does she have a long term disability plan? That is what I would focus on - people are more likely to become disabled during their working life than to die during their working life yet disability is commonly an afterthought at best and people w...
by Traveler
Sun Aug 04, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Travel German alpine and Swiss Alp. Please review
Replies: 22
Views: 1533

Re: Travel German alpine and Swiss Alp. Please review

I love Salzburg and could easily spend several days or a week there. Rent a bike - it's an easy city to bike in. I remember enjoying a brewery or winery in a very old building in the basement. I think it was run by monks. I googled but can't find it. I also enjoyed the luge ride near Salzburg - it w...
by Traveler
Sun Aug 04, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 5229

Re: Ink Pens

Being left handed, I hate roller ball/gel pens. I haven't found one yet that doesn't smear. Right handed people don't understand the concept of dragging one's hand across fresh ink and pushing the pen instead of pulling the pen. My favorite cheap pen is the Pentel RSVP, medium. It has a cap so it's ...
by Traveler
Sun Aug 04, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting for Repairs That Should Happen in 5-10 Years?
Replies: 9
Views: 523

Re: Budgeting for Repairs That Should Happen in 5-10 Years?

Sounds like you are doing quite well. You have a healthy emergency fund and the odds of the roof and HVAC system needing replaced at the same time are low, I would try to save/invest the overtime. If you can live on what you listed based on your base income, then OT is excess that can be saved for t...
by Traveler
Sat Aug 03, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 5314

Re: Dentist: Is this acceptable?

My dentist always inspects after my cleanings. I get way more of his time than I do from my physician when I see her once a year.
by Traveler
Sat Aug 03, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9645

Re: Federal Employee Burn or Sick Leave [before retirement]

If it is labeled sick leave, it is supposed to be used when you are sick. Not sure I understand you question unless you are debating having a medical procedure requiring time off prior to or after retirement. Otherwise, it is difficult to plan when you are sick, isn't it?
by Traveler
Sun Jul 28, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 114
Views: 14304

Re: Job Offer Evaluation - FANG

HEDGEFUNDIE wrote:
Sun Jul 28, 2019 11:03 am
Tech is crazy these days.

A 24 year old family member of mine just landed a $110k marketing job with total comp potential up to $140k. A 24 year old. In Marketing.
It is crazy. Some of the valuations reek of 1998.
by Traveler
Sat Jul 27, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 2999

Re: Buenos Aires - How many days?

I've been to BA twice and love the city. On my last trip I spent a couple nights in Puerto Iguazu. The park is beautiful although I didn't get to the Brazil side because that was just before the visa requirement went away and I didn't want to hassle with getting one. I also spent a night over at Col...
by Traveler
Fri Jul 26, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6367

Re: Thank you notes,,, out of favor these days?

In my experience it is hit or miss on whether I receive one or not. I was pleasantly surprised to get one from my nephew who graduated high school this year and for whom I gave a nice sum of money and flew across the country for the graduation. Didn't expect it given the history. Went through a time...
by Traveler
Fri Jul 26, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3374

Re: Quelling Car Fever

Rent a sports car or a BMW a couple times a year. Surprised that you have credit card debt and came here of all places talking about buying an overpriced luxury car.
by Traveler
Fri Jul 26, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7444

Re: Long commute: how to manage?

Telstra will come out with driverless cars soon enough. Don't bet on it. OP, why not move the relatives closer to you? How long do you think you will be in this new living situation? How old are your kids? The relatives live in a community of people their age who also speak their native language. O...
by Traveler
Wed Jul 24, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA or pay Out Of Pocket?
Replies: 30
Views: 2028

Re: Use HSA or pay Out Of Pocket?

I fully fund an HSA and then pay for medical expenses out of pocket. Hoping I have over $50K in the account when I retire. Fortunately my HSA has good investment options including some Vanguard funds.
by Traveler
Sat Jul 20, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 20819

Re: Has anyone seen the documentary "Playing with FIRE?"

I could FIRE in my home country at about 20K to 30K per year. I pointed out earlier that costs in some countries are much lower than in the US. Thanks for reading the thread before posting. I’m currently living in the US on 34k per year. I live in a brand new construction 1800 sq ft home, with a mo...
by Traveler
Thu Jul 18, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 289
Views: 22319

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

When I compare where I live (Atlanta metro area) with where I grew up (Portland, OR), to me, Atlanta is a MCOL city and Portland is a High(er) COL city. However, on the job front, I estimate I'd have to take at least a 20% pay cut for a similar job in Portland, and I'd pay at least 25% more for hous...
by Traveler
Thu Jul 18, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Special Assessments
Replies: 9
Views: 1206

Re: Condo Special Assessments

Based on my experience on a condo board, owners don’t want increased regular HOA fees because they don’t want the extra cost. But things wear put over time, like roofs, siding, and — in the situation I was involved with — elevators. The association needs adequate reserves, including planning for re...
by Traveler
Thu Jul 18, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Safe harbor rule if I have large capital gain this year?
Replies: 5
Views: 514

Re: Safe harbor rule if I have large capital gain this year?

If you just inherited, does the cost basis reset as well?
by Traveler
Sun Jul 14, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Financing my daughter's college with my 401K
Replies: 60
Views: 4069

Re: Financing my daughter's college with my 401K

She needs to find a less expensive school to attend, preferably one that allows her to live at home. There is no way I would take a 401K loan to pay for school.
by Traveler
Sat Jul 13, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 5402

Re: "Objective" Importance of Keeping Your Physicians?

Through this time in my life (I'm 47), primary care physicians have been a complete and utter waste of time and money. Assuming I go once a year (which I don't), I see the doctor for all of 30 seconds per visit. Surely that isn't a "relationship" because I don't even remember her name off the top of...
by Traveler
Sat Jul 13, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3957

Re: priority of supporting parents vs saving for college

I am fortunate to not be in OP's situation, but here is how I would look at it: 1) did your parents pay for your education, how much of it, undergrad, grad, med/law/MBA? 2) if they paid for all of your education that allowed you to be a high earner, then I would definitely consider helping them 3) b...