Search found 566 matches

by Traveler
Sat Apr 21, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 129
Views: 7380

Re: BH travel tips?

I typically travel solo (female) and never travel in the middle of the summer - usually spring and/or fall. I also never check a bag - I can fit enough clothes in a rolling carry-on for a 10-day trip. I wear hiking shoes and jeans and pack a pair of sandals if the weather will be nice. Otherwise, it...
by Traveler
Sat Apr 21, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Mid May trip to Malta
Replies: 4
Views: 433

Re: Mid May trip to Malta

Malta has been on my list for a while now. Maybe next year. I don't have any advice but I hope you have a wonderful trip!
by Traveler
Sat Apr 21, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 45
Views: 1820

Re: AAA? What to do in car emergencies?

First off, I am sorry for your loss. I am a single female and have had AAA for years. I use the service at least once a year, usually for a flat tire. You can get the premium version which gives you more towing mileage, but I just have the regular which costs $50-60/year because I typically don't dr...
by Traveler
Sat Apr 21, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Europe- Zurich<->Paris- 10 days
Replies: 25
Views: 1314

Re: Europe- Zurich<->Paris- 10 days

I did a trip last year where I flew in and out of Zurich. Upon arrival, I took a train to Mulhouse, France where I picked up a car and spent almost a week hitting the Alsacian villages. On the return, I spent a couple days in Lucerne and did the train trip to Mt Pilatus. Lucerne is very nice, but Sw...
by Traveler
Sat Apr 21, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 82
Views: 3938

Re: Do you buy new or used cars?

I've only had four cars in my ownership life (age 18-46) and the last three were bought new. I tend to keep them a long time. Last car was 12 years old with >200K miles on it. My current car is almost four years old and only has 20K miles. When I bought the latest one, used cares weren't much less e...
by Traveler
Sat Apr 21, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 62
Views: 3907

Re: Settlement Offer -- Accept or Wait?

I think your medical insurance company is going to want to be reimbursed. If you sign that agreement, you may be liable for the reimbursement of medical costs. That ambulance ride and ER Visit was likely a LOT more than $1800. You car insurance company will also want to be reimbursed. Without detai...
by Traveler
Fri Apr 20, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 2798

Re: Interesting vs higher paying job

I live in a MCOL city and earn a decent salary. There is no way I would take only 2X my current salary to move to a VHCOL city - it wouldn't be enough to cover the incremental costs so my lifestyle (and savings) would decrease. Not worth it to me.
by Traveler
Thu Apr 12, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: To HSA or HSA -- explain like I'm 5.
Replies: 32
Views: 2482

Re: To HSA or HSA -- explain like I'm 5.

I wish my employer contributed that to my HSA. Even so, I still have the HDHP plan and fully fund an HSA every year, then cash flow any medical expenses. I am hoping to have a large sum in the HSA before I retire in 7-10 years. Given the numbers you posted, the HDHP plan easily sounds like the best ...
by Traveler
Wed Apr 11, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 3940

Re: Am I being unreasonable?

I don’t think sending a kindergartener to private school is such a bad idea. That’s where the foundation is set. My kids learned to read in kindergarten and do simple math and subtraction. If your child is bright and interested, she will do well anywhere. But if she doesn’t have the basic preacadem...
by Traveler
Tue Apr 10, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs. HDHP w/HSA for Pregnancy decision
Replies: 16
Views: 995

Re: PPO vs. HDHP w/HSA for Pregnancy decision

The comparison is not always intuitive. You can’t just add the premiums to the out of pocket max and get the answer. With a HDHP you are going to pay ALL costs (except well visits) including medicines at full cost until you hit deductible. So there is a good chance you will hit the deductible in a ...
by Traveler
Sun Apr 08, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12407

Re: Ivy school education. Is it worth it?

I personally think a lot of the decision depends on the student. I was the valedictorian of my high school class, had a decent but not stellar SAT score and numerous extra-curricular activities. What I didn't have was parents who were "movers and shakers", knew much about university systems (despite...
by Traveler
Sat Apr 07, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2650

Re: GEICO rate increase: 49% annualized?!

I have had GEICO for several years and the last few renewals (six month), the rates have increased. However, when shopping other companies, they are still the best price. I may try a broker to access companies that don't sell direct and see if I can get something better, but I may just stay with GEI...
by Traveler
Fri Apr 06, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 6661

Re: Your Monthly Cost of Living

Atlanta, single person Housing: 575 Transportation: 155 Food: 420 Other: 500 (household items, hair care, toiletries, clothes, drycleaning, medical/dental out of pocket) Total: 1650 Additional items including travel, entertainment, gifts and charity total 1560 None of the above include income taxes ...
by Traveler
Thu Apr 05, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: 20 years old house - budgeting for maintenance
Replies: 18
Views: 1987

Re: 20 years old house - budgeting for maintenance

I live in a townhouse complex that was built in 1971 as a apartments and converted to condos in 2006-08 when they installed new flooring, windows, appliances, countertops. I bought it in 2011 and thus far have had to do the following: -- Replace the AC unit -- Replace the water heater (it was 30+ ye...
by Traveler
Thu Apr 05, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 2790

Re: College freshman shopping—what don’t we need?

When I was in college ~25 years ago, we used cinder blocks for bed risers. Some people even double stacked them. Check and see if the dorm beds are XL twins. I had regular twin sheets and they never quite fit right. Otherwise, I would bring the can't live without items and see what else I needed whe...
by Traveler
Tue Apr 03, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Financing Options for New Home
Replies: 11
Views: 827

Re: Financing Options for New Home

Not sure about your financing options but I'm impressed that you only pay $30K in income taxes on $310K income. I make about half what you do and pay more than $30K in income taxes.
by Traveler
Tue Apr 03, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8307

Re: Liability for 32 year old step son living home

Did we have these kinds of issues 40+ years ago? How about 20+ years ago? http://homes.chass.utoronto.ca/~ngargano/corsi/100/mamma.art.html - Ron This Italian guy actually holds a regular job. OP's stepson plays video games all day. That is a huge difference. To the OP, I support your effort to imp...
by Traveler
Sun Apr 01, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Phone
Replies: 4
Views: 648

Re: Google Pixel 2 Phone

Easy transition and now I am using Project Fi as well. Love Project Fi! It is tailor made for me. I travel internationally several times a year usually to multiple countries and Fi generally works flawlessly. Domestically I have access to WiFi where I spend most of my days so I use very little data...
by Traveler
Sun Apr 01, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 10
Views: 1266

Re: HSA contribution

As others have said, despite the low limit, it's the best tax break out there and all of us will likely generate healthcare expenses at some point in our lives. I have over $20K in my account and hope it gets to $60K or more before I retire.
by Traveler
Sat Mar 31, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Nice article on saving money and financial independence
Replies: 36
Views: 5114

Re: Nice article on saving money and financial independence

So she started from basically nothing five years ago and saves an estimated $55K per year now, and thinks she'll have enough to retire in one year?!?! I don't see how the math adds up but the article did say she isn't good at math.
by Traveler
Thu Mar 29, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Auto insurance keeps rising
Replies: 20
Views: 1530

Re: Auto insurance keeps rising

I have reviewed the policy to ensure it is what I want/need in coverage and deductibles. The car is only four years old and I only drive about 5000 miles a year. I keep expecting collision to reduce if nothing else, but so far that isn't the case. I just got the notice today. I will research more op...
by Traveler
Thu Mar 29, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Auto insurance keeps rising
Replies: 20
Views: 1530

Auto insurance keeps rising

WIth all else being the same, my insurance premiums continue to rise. My latest 6-month premium is up 21% from a year ago and 6% from six months ago. My car is getting older, I haven't had any new violations or accidents and while I haven't called again, in previous calls, they just tell me there ha...
by Traveler
Tue Mar 27, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3581

Re: Los Angeles Condo Purchase Advice

This seems like a pretty good rent vs buy question because you are comparing almost apples to apples (slightly larger square feet with the purchase). Given your rent and in the same neighborhood why would you want to spend double your current rent for more or less the same thing? Especially with so ...
by Traveler
Tue Mar 27, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any other way to decrease AGI?
Replies: 10
Views: 1301

Re: Any other way to decrease AGI?

Welcome to the world of single people getting screwed on taxes. We subsidize almost everyone else. If you have access to an HSA medical plan, that is a good way to avoid taxes on contributions and growth (best tax break out there), but as a single person, you are limited more than couples and famili...
by Traveler
Mon Mar 26, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4024

Re: Thinking about capitulating on house

I'm curious what market you're in where housing appreciated 50% in one year
by Traveler
Thu Mar 22, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7084

Re: What Budget? Do you keep one?

I make an annual budget by month each year but it's really more of a guide than a strict budget. However, I do diligently track my spending and put each item into a budget category that I track monthly against the annual budget. What I don't do is fret if I'm over or under in a certain category. Ann...
by Traveler
Tue Mar 20, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 3589

Re: Home equity as part of retirement plan

I live in a paid off inexpensive townhouse and plan to stay here as long as possible. Depending on my physical condition, I may decide I don't want stairs and move to a flat condo or >55 duplex down the road. I would expect it to more or less be a swap of like priced homes.
by Traveler
Tue Mar 20, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College vs Starting Income
Replies: 94
Views: 4157

Re: Cost of College vs Starting Income

I went to a state school 1990-94 and am estimating total tuition and fees for the four years was about $9000 (I know my first year was $1800 and the last year was $2700). I more or less had a full ride scholarship so I didn't actually have to come up with the cash. My degree is in business and my fi...
by Traveler
Sun Mar 18, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5431

Re: Amazon Prime Going Sideways/Weird Shipment Problems

I find it kind of funny that Bezos has set your expectations and now is failing them. I knew this couldn't last. But alas, Amazon is taking over the world because everyone now thinks they need their crap in two days.
by Traveler
Sat Mar 17, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 187
Views: 18706

Re: Those with high savings rate: why?

I want to retire early. The sooner the better. I spend about $45K a year (not including taxes) and save almost double that. A couple years ago I had about $1500 left over at the end of the year from what I'd budgeted and decided to allow myself to spend it on whatever I want, something I normally wo...
by Traveler
Sat Mar 17, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA dental coverage
Replies: 10
Views: 751

Re: COBRA dental coverage

Most dental coverage is quite poor and maxes out at about $1500. It's up to you to decide if paying $204 in premiums for up to $1500 in coverage is worth it.
by Traveler
Sat Mar 17, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: When don't you need LTD?
Replies: 10
Views: 694

Re: When don't you need LTD?

One does not need LTD insurance when one has enough money that should one become disabled, the loss of income does not impact one's life.
by Traveler
Mon Mar 12, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 5943

Re: Huge special assessment on Condo?

I just joined the board of my condo complex and it's been enlightening to say the least. We have a limit of 25% rentals and currently have several under investigation for "illegal" renting. Meaning we impose daily fines until the tenant moves out and then have a lien against the property. For unpaid...
by Traveler
Sun Mar 11, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Suggestions on the Azores?
Replies: 13
Views: 683

Re: Suggestions on the Azores?

I'll be flying on the Delta JFK-PDL flight shortly after it begins. Thank you for everyone's input.
by Traveler
Sun Mar 11, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Suggestions on the Azores?
Replies: 13
Views: 683

Re: Suggestions on the Azores?

Thanks. I use TripAdvisor a lot and have seen some of the Azores forums threads. Some seemed quite old but I will dig around more there.
by Traveler
Sun Mar 11, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 955

Re: Furniture Delivery Damage to Home & Furniture Recourse

Go talk to the retailer. If it was their own delivery company (vs a contractor), they likely have insurance that covers damage to both the furniture as well as damage to the house. Even a contractor company likely has insurance for this. Happens often - you're not the first to have had damage due to...
by Traveler
Sun Mar 11, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Suggestions on the Azores?
Replies: 13
Views: 683

Suggestions on the Azores?

I did a search but didn't find much. Has anyone been to the Azores and do you have any suggestions? I'm heading there in late May/early June for eight days. I plan to stay on San Miguel for four days and would like to go to another island - any suggestions on which one? Any other suggestions on inte...
by Traveler
Fri Mar 09, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4705

Re: Walking shoes for plantar faciatis?

I've had plantar fasciitis off and on since 1993. This latest flare up started in mid-November and I only went to a podiatrist today. He gave me a steroid injection and ProTech insoles which are much sturdier than the over the counter ones I'd been using. I was wearing a pair of Ahnu leather hiking ...
by Traveler
Fri Mar 09, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: YE Review - No more Restricted Stock Options
Replies: 17
Views: 1330

Re: YE Review - No more Restricted Stock Options

It’s not GE since OP said in his thread last year that it was related to healthcare. So either UnitedHealth or CVS. GE is the only mega company stock I can think of that is down 50% in the last year. UHC is up , CVS is down but not that much. GE has (or had) its hands in many sectors including heal...
by Traveler
Sat Feb 24, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 24
Views: 1747

Re: What vacations or weekend getaways are you taking this summer?

Traveler's 2018 vacation schedule: Leaving tomorrow for a week in Cartagena, Colombia Long weekend in NYC in April 7-10 days in the Azores in late May/early June 7-10 days TBD (Europe, southern Utah parks, somewhere else?) in late Sept/early Oct Thanksgiving week in St. Martin provided my friends' h...
by Traveler
Wed Feb 21, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37297

Re: What UN-frugal thing do you do?

International travel - I do 3-5 trips a year. My only limitation is time off from work.
2017:
France (Alsace) and Lucerne Switzerland
Alaska cruise
Umbria Italy
Jamaica

2018:
Cartagena Colombia
Azores
TBD
St. Martin

Oh, and I spent $24 on lunch today
by Traveler
Tue Feb 20, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 3158

Re: condo rental and emotional support animals issues

Be prepared for people to say the animal is an ESA when it's simply a pet they didn't want to pay extra for. And be prepared for animals other than cats and dogs - apparently things like snakes, turkeys, chickens and hamsters provide emotional support. Also, I'm not sure that ESAs fall under the ADA...
by Traveler
Sat Feb 17, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10728

Re: Honda vs. Toyota: Which has more bang for the buck?

I bought a new 2002 Honda Accord EX 6 cyl and kept it until 2014 with >200k miles. During those years I had to replace both front window motors and get a new transmission. I've been told that Honda's 6 cylinder transmissions are crap, at least back then so something to consider. Otherwise, it was fi...
by Traveler
Sat Feb 17, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 17682

Re: Number at which to stop worrying

Some never stop worrying. My 83-year old mom probably has about 100x expenses (her SS and pension cover the vast majority, if not all of her expenses) and she still worries if she'll have enough in the event she has to go into a nursing home. She knows they cost $5000+/month and can't imagine spendi...
by Traveler
Sat Feb 17, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 71
Views: 8300

Re: $12,000 Refrigerator?

Unless I ran a catering business from my home or owned a restaurant where the additional quality and features might be used, I can't imagine having a $12,000 fridge. Most who do are likely just keeping up with the Joneses.
by Traveler
Sat Feb 17, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Working for a MegaCorp vs a Small Business
Replies: 19
Views: 1405

Re: Working for a MegaCorp vs a Small Business

I've only worked for Fortune 500 companies so I can't compare them to smaller companies. I think that at larger companies, one learns a function but may not fully understand how the company works because it is so large. Many large companies also move extremely slowly - I think this is a primary reas...
by Traveler
Mon Feb 12, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2976
Views: 916759

Re: What Book Are You Currently Reading? Part VI

Just Mercy by Bryan Stevenson, an autobiographical account of his defense of death row inmates
by Traveler
Mon Feb 12, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1702

Re: Driving a rental car in Western Europe

I've driven in the Alsace region of France, the Umbria region of Italy and around the island of Iceland by myself. Never had any major problems. Used my cell for GPS. Sometimes finding parking can be a bit of a chore but if you have someone navigating, that would help - they can look for signs and l...
by Traveler
Sun Feb 11, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding to Buy Rental Property - Need Advice
Replies: 16
Views: 1973

Re: Deciding to Buy Rental Property - Need Advice

If it were me, I would stay put at sub-market housing expenses and pocket the difference. Even if you get pregnant today, you have about 5 years before you'd truly need more room and have to consider schools.