Search found 744 matches

by Traveler
Sun Jun 23, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: For those who tip valet and/or dog kennel
Replies: 11
Views: 1209

Re: For those who tip valet and/or dog kennel

I tip $1-5 valet at time of pick up depending on how much low bill cash I have on me. Used to board a cat when going on longer trips and never even considered tipping them. Not sure why someone would. The tipping culture in the US seems out of control with everyone expecting a tip and/or everyone gi...
by Traveler
Sat Jun 22, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 74
Views: 5523

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

I grew up in Portland (1972-1997) and have lived in Atlanta since 2001. I can't comment on southern California. Below are things I would consider in the debate of Vancouver vs Atlanta. I think the most important items are jobs, housing cost and weather. Jobs: Atlanta has a ton more jobs than Portlan...
by Traveler
Sat Jun 22, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2253

Re: Carryon luggage for international travel

You may not have to check it on the transatlantic leg but I've had to check my carry-on numerous times on intra-Europe flights. This is usually due to very low weight limits for carry-ons. I would research your airline's policy in advance - sometimes checking the bag at the airport costs more than p...
by Traveler
Wed Jun 05, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 39
Views: 6487

Re: Ethical dilemma involving birthdays and wine..

So do the bottles keep coming?
by Traveler
Sat Jun 01, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2138

Re: Should I buy Euros from local bank or use ATM in Europe

Get Euros out at an airport ATM. And there are places in Europe that only take cash so it's good to have some. Last year I stayed at a hotel that only took cash so I had to get cash out on various days (daily limit) just for that.
by Traveler
Sat Jun 01, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How do BH define Cost of Living Cities
Replies: 48
Views: 2654

Re: How do BH define Cost of Living Cities

I live in Atlanta which I consider a MCOL city or metro area. However, because I bought my townhouse for $60,000 at the bottom of the market eight years ago, I live as if it is a VLCOL place. And my salary likely correlates to a a MCOL or HCOL city.There's no way I'm moving anytime soon.
by Traveler
Sat Jun 01, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cashback cards - what's left for me?
Replies: 29
Views: 2667

Re: Cashback cards - what's left for me?

Fidelity has a card that gives back 2% of all purchases deposited into your money market account which has a current interest rate about 2%. If you do not have a Fidelity money market account you can open one with a nominal deposit I've looked into this with Fidelity but it seems that the money mar...
by Traveler
Fri May 31, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4910

Re: Working for the Airlines - Value of Free Travel

I worked for a major airline 2001-2008 and back then it was relatively easy to get a seat and even business/first class which is nice on long haul or int'l flights. We used to fly to Europe for the weekend. It was fun, tiring and a little nerve wracking when flights we thought were open suddenly fil...
by Traveler
Fri May 31, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 37378

Re: For those who earn $500k+ per year. How'd you do that?

Wife makes ~500k at a mega law firm (market bonuses move it around a bit). She did it by going to a top college and a top law school and working all the time. 100 hour weeks pretty regularly. She's a workaholic. I followed the same path and bowed out before partnership and now make ~150k as a publi...
by Traveler
Sat May 25, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 105
Views: 10769

Re: 4M 70K expenses would you stop?

Why is this even a question? If these people can't retire, then 99% of Americans can't retire and people do it every single day.
by Traveler
Fri May 24, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 88
Views: 17670

Re: Anyone want to share their monthly budget? Here's ours

It is a little hard to figure it out because of big one time expenses. I spend about $300 a month on food, $50 a month on insurance, $5 a month on my cell phone plan and about $100 a month on completely non-essential items. I am currently living with my partner and he refuses to let me pay any rent...
by Traveler
Thu May 23, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 88
Views: 17670

Re: Anyone want to share their monthly budget? Here's ours

Based on 2018 full year. I had a high year for medical/dental with a knee surgery and other expenses related to that. Travel 912 Charity 515 Food 389 Medical/dental 378 Gifts 270 HOA 231 Cell/internet/TV 141 Clothes 115 Car insurance 113 Property tax 112 Entertainment 103 Hair color/cut 100 Utilitie...
by Traveler
Sun May 19, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5748

Re: Aiming to Retire End of 2019 - Abit Scared

I wouldn't be scared or skittish at all if I were in your situation. Based on your "fat" budget need, you could take the annuity pension of $73,000 and once SS starts, you cover the fat budget. So you would only have to take from the $2M portfolio until you decide to take SS. One thing I don't recal...
by Traveler
Sun May 19, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1005
Views: 266730

Re: Share your net worth progression

I've only been tracking it since 2014 and not too long before that it was negative. I include home and car value along with investments and cash, and don't adjust for pre-tax accounts such as 401Ks and IRAs. Single with income $135-200K per year. Home is 15% of net worth. 1/14: $450K 10/15: $610 1/1...
by Traveler
Tue May 14, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Traveling to Europe on Green Card
Replies: 12
Views: 1004

Re: Traveling to Europe on Green Card

whodidntante wrote:
Tue May 14, 2019 7:51 pm
I aware you that refundable does not necessarily mean refundable with no fee. The airline industry is evil.
The airline industry is no more evil than any other industry. The fees are to deter one from gaming the system like someone here suggested.
by Traveler
Tue May 14, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6160

Re: Buying a "new" car - Advice pls

Congratulations on maxing out your 401k and roth at such a young age. I did the same at your age and am astounded at the size of my 401k after 13 years of contributions, 11 years of maxing. My wife has a car, which comes in handy with an infant. The optimal number of cars is zero, but much of the U...
by Traveler
Sun May 12, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can we really afford $1.25M house?
Replies: 44
Views: 5731

Re: Can we really afford $1.25M house?

You can likely afford the $1.25M home but I'm impressed with spending $1000/month on pets. Do they go the spa for blowouts and manicures each week? Not sure I could spend that much on pets if I tried (exception being the occasional vet bill of course). And $1000/month for a car loan?
by Traveler
Sun May 12, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2081

Re: Backpacking/study abroad for young folks

I studied abroad for a semester and loved it. In hindsight, I would have studied abroad the second semester of the year and then stayed for the summer, but the program was the fall semester and because I hadn't been out of the country before, I was afraid to go early and travel on my own. I was a bu...
by Traveler
Mon May 06, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Savings Rate
Replies: 15
Views: 1620

Re: Calculating Savings Rate

I include employer contributions in the numerator and denominator
by Traveler
Mon May 06, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Shopping for Healthcare" - How Use an HSA Effectively
Replies: 30
Views: 2095

Re: "Shopping for Healthcare" - How Use an HSA Effectively

Ah, the joy of our healthcare system. Healthcare is the only thing I buy that I have absolutely no idea how much it costs until weeks or months after the fact. It is absurd to me that a doctor can't tell me how much an office visit costs. My dentist sure can, down to the penny and can even tell me a...
by Traveler
Mon May 06, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1748

Re: What do you do with variable bonus?

I get an annual bonus that while technically not guaranteed, has been at least 70% of target the last nine years and this last year it was 110% which was nice. I cash flow my life with my base salary so my bonus is just extra savings that I do budget for, but only at an 85% target. Sometimes it's mo...
by Traveler
Sun May 05, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Realistic Comp Increase with Doubling Job Responsibilities
Replies: 37
Views: 2322

Re: Realistic Comp Increase with Doubling Job Responsibilities

Bacchus01 wrote:
Sun May 05, 2019 8:51 pm
You’re lucky. Anyone with one direct report should be fired. 1 over 1s are low efficiency.
Haha, you should see my megacorp. Tons of single direct reports even at the director level. Also quite a few manager and directors with no direct reports.
by Traveler
Sun May 05, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7483

Re: How much do you donate?

Usually 2-3%
by Traveler
Tue Apr 30, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs. HDHP thread...
Replies: 14
Views: 860

Re: Another PPO vs. HDHP thread...

Maybe I'm missing something, but if you believe you will exceed the deductible for the HDHP, that exceeds the out of pocket max for the PPO so why wouldn't you get the PPO?
by Traveler
Sun Apr 28, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate
Replies: 104
Views: 9048

Re: Savings rate

I didn't read all of the responses so this may have taken a turn from the original question. But to answer the original question, for me, I calculate it based on gross income. I also include employer match/contribution in both the numerator and the denominator, and include all savings including 401K...
by Traveler
Sat Apr 20, 2019 11:57 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9662

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I took Norweigen Air from Oakland to London in 2017. Very nice. Rode business class which is sort of recliner chairs at slight price increase. Was a 7.5 hour flight. Key was 787 Dream liner plane which is really quiet and nice so less jet lag. They are expanding to other airports and destinations s...
by Traveler
Sat Apr 20, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3298

Re: Trip to Central Asia. Do you need a CC?

Trusting an 18 year-old on a trip like this would give me pause. There's a part of a young person's brain that doesn't fully develop until about age 25: the area of "sober second thought." It's the "wait a minute, lets think this through" process when a person is about to do something foolish. Not ...
by Traveler
Sat Apr 20, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1263

Re: Home Purchase Feasibility

Why do you need an expensive car if all you can afford to do is sit in your apartment? Seriously, this is a recipe for disaster as others have said. Simply put, you can't afford it.
by Traveler
Sun Apr 14, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3908

Re: Newbie international traveler

I wouldn't go overboard on the cash but do take out a few hundred Euros/Francs upon arrival and use it as needed. Most places do take credit cards (Visa and MC more so than AMEX), but you may come across small stores or restaurants that don't. Some housing (booking.com, smaller hotels, etc) may requ...
by Traveler
Sun Apr 14, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Home affordability - Can I afford it?
Replies: 22
Views: 2390

Re: Home affordability - Can I afford it?

The mortgage will only be 2.7x OP's income so yes, they can likely afford it. Sounds like a lot of money and I would question if new construction is necessary. Also don't quite understand OP's expenses. The $9000 includes the current home but doesn't split out the home vs other expenses so we can ad...
by Traveler
Sat Apr 13, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4088

Re: Relocating to Seattle from Baltimore Area

Many people posted about all of the outdoor activities available in the area. I grew up in Portland where they have similar outdoor activities, likely closer to the city than in Seattle and a bit better weather. However, unless you like traipsing through mud, those outdoor activities are usually lim...
by Traveler
Sun Apr 07, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Help me cross shop a new Nissan Maxima
Replies: 13
Views: 787

Re: Help me cross shop a new Nissan Maxima

I have a 2014 Maxima that I bought new. It is an old style model and had been on the dealership lot for a while. I paid $21,899 in August 2014. I was trading in/scrapping a 2002 Accord V6 with 200K+ miles on it. My criteria included a moonroof (splurge but used to it on the Accord), V6 (live in Atla...
by Traveler
Sat Mar 30, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7181

Re: Anybody else get a huge tax increase due to SALT deduction changes?

Mine were a bit lower on a bit higher income. The SALT cap didn't really affect me (mine totaled about $10,400) but the lower tax rates benefited me. I also bunched some charitable contributions so this year I may owe a bit more because I likely won't itemize.
by Traveler
Sat Mar 30, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14705

Re: How often do you check your net worth?

Formally once a year in March after my annual bonus is paid. Unofficially a couple times a year. It really is quite meaningless but I suppose it's a gut check on the past year, what I've saved and how the market has done. But I pretty much know that already with my expense tracking spreadsheet.
by Traveler
Sat Mar 30, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum income to maximize SS benefits.
Replies: 15
Views: 1757

Re: Minimum income to maximize SS benefits.

Are they already retired and worried about income somehow offsetting SS? Or maybe they're talking about the income at which FICA taxes are no longer withheld ($132,900 for 2019)? Your question is a bit confusing.
by Traveler
Sun Mar 24, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Iceland with kids
Replies: 17
Views: 2133

Re: Planning a trip to Iceland with kids

I did a solo trip to Iceland in late May, early June of 2016 and really enjoyed it although with kids it would depend on what they like to do. Iceland is very remote, not crowded at all and the beauty of it is the unique scenery that you can't find hardly anywhere else on the planet. I would highly ...
by Traveler
Sun Mar 24, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 5516

Re: Where do you find high paying jobs?

I am a senior marketing manager at a non-IT Fortune 50 company and have been making more than $100K since I started with them almost ten years ago. I graduated with an MBA in 2001 from a top 50 program which is what changed my income trajectory. I doubled my salary from before getting an MBA with th...
by Traveler
Sat Mar 23, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Need Foreign Currency
Replies: 25
Views: 1314

Re: Need Foreign Currency

I use an ATM at the airport and have never had a problem. I also carry about $200 in USD as a backup but have never had to use it. I also use a credit card for the majority of purchases overseas but sometimes places require cash so it's nice to have a few hundred worth of it.
by Traveler
Fri Mar 22, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA-how are you investing the funds?
Replies: 36
Views: 2568

Re: Fidelity HSA-how are you investing the funds?

An alternative is to view the HSA as only one component of your larger portfolio with a singular AA, and instead to maximize the tax advantages of the HSA. For this reason, it would actually be prudent to hold 100% equities in your HSA. You have to hold your equities somewhere, Roth IRAs and HSAs a...
by Traveler
Sun Mar 17, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much do I need to save?
Replies: 18
Views: 2223

Re: How much do I need to save?

If all of your current savings is in pre-tax dollars, I would start saving in a taxable account to make up the time until you can withdraw without penalty from the pre-tax accounts.
by Traveler
Sun Mar 17, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Funding emergency home repair
Replies: 28
Views: 1781

Re: Funding emergency home repair

As others have said, use the emergency fund. This is exactly what it is for and you can replenish it rather quickly.
by Traveler
Sun Mar 17, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Housing should be no more than 28% of your income.
Replies: 66
Views: 5973

Re: Housing should be no more than 28% of your income.

About 3.7% but I don't have a mortgage so this only includes HOA, taxes and insurance which are all pretty nominal. And this is only on base salary, not base plus bonus.
by Traveler
Sat Mar 16, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10732

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

I travel internationally several times a year and always pack in a carry-on: Bottoms: three pair lightweight Columbia Sportswear hiking pants, wear a pair of jeans. Substitute the jeans for a couple pair of shorts and/or lightweight skirts if it's a beachy trip. Tops: 9-12 tees and lightweight blous...
by Traveler
Sat Mar 16, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: SALT Limitation: Better to claim state sales tax deduction instead of income tax deduction if above the 10k Limit?
Replies: 19
Views: 3173

Re: SALT Limitation: Better to claim state sales tax deduction instead of income tax deduction if above the 10k Limit?

I have what is maybe a dumb question, but how do you guys know how much you spent in sales tax? Do you keep receipts for everything you spend? Or does the tax code all you to do some sort of calculation estimate?
by Traveler
Sat Mar 16, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6488

Re: How many companies have you worked for?

Post college, four
Age 47
by Traveler
Sat Mar 09, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 2162

Re: HSA Charging Monthly Fee - How to Avoid it?

I have an Optum HSA and there is no monthly fee. Maybe my employer pays it? Or maybe it is because I have a higher balance ($20K+)? Not sure but I'm happy with the investment options and mutual fund fees (very low Vanguard).
by Traveler
Sat Mar 09, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 7563

Re: Airline travel and economy: pay $$ to pick seats

I see this happen often. A couple or family, near the last to board, wants me to switch seats so they can "sit together". Having booked early snd selected my seat with care, I usually refuse, prompting the "stink eye" look the rest of the way. Sorry, OP, don't expect the rest of us to fix your lack...
by Traveler
Sat Mar 09, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 7563

Re: Airline travel and economy: pay $$ to pick seats

I am looking at some international travel with my 13 and 16 year olds; we are very excited and ready to book. Well, almost. So, these new economy fares that don't let you pick your seats, any ideas on if it generally ends up that families can sit together? I am looking at a $200/per ticket price/$6...
by Traveler
Sun Mar 03, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 4844

Re: Retirement in Switzerland

I go to Europe a few times a year for leisure travel and to me, Switzerland is outrageously expensive. I was in Alsace France and Lucerne in late spring 2017. The hotel was almost double what I stayed in in France and food was ridiculous - a pizza and beer was about $12 in France and about $25 in Lu...
by Traveler
Sun Mar 03, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 16
Views: 1371

Re: Should we move

Not sure of the ages or genders of the two older kids, but if young, seems they could share a bedroom for quite a while and use the 3rd bedroom as a nursery. Not really a need to move right now.