Search found 602 matches

by Traveler
Tue Jul 10, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 2912

Re: Management at Megacorp

For only 7% more pay and maybe an extra 1-2% in bonus, there's no way I'd work that many more hours. I'm in management at a megacorp and if I was promoted right now, my base would likely only increase 5% but my bonus would go from 35% to 60%. Even then, I'm not sure I want the additional responsibil...
by Traveler
Sat Jul 07, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Conundrum
Replies: 5
Views: 692

Re: Another Home Affordability Conundrum

Regarding the relocation package, be sure you fully understand what is included in "closing costs". I made a mistake once when I bought my first home and it ended up that not everything that I thought would be included actually was, so I didn't get as much paid as expected.
by Traveler
Wed Jul 04, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3087

Re: International Vacation Ideas

A few suggestions: Greek Islands Iceland (I was appalled that someone suggested you only need a couple days there - I spent 12 days driving around the entire island and loved every single day of it) Argentina (Buenos Aires, Iguazu Falls, Patagonia, although I haven't been to Patagonia) Japan (not su...
by Traveler
Sat Jun 30, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 11
Views: 1487

Re: Vacation- home precautions?

Gosh, what a laundry list for a one-week trip. I do 4-5 one-week or longer trips a year and I simply set the thermostat to not kick on as often (whether it's heat in winter or AC in summer), take the trash out, close the blinds or curtains, unplug my laptop, tell one neighbor I will be gone until xy...
by Traveler
Sun Jun 24, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: 2019 trip to France and Switzerland
Replies: 10
Views: 820

Re: 2019 trip to France and Switzerland

Why not do an open jaw ticket and fly into Paris, spend however many days you want to there, and then take a train to Luzern (which is beautiful, by the way - was there in spring 2017) and then fly out of Zurich?
by Traveler
Sun Jun 24, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14671

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

I made a post here. Then of course, because I calculated it based on the actual definition of net worth and not some BH bastardized definition, I was reminded by some that it should be investable assets, not including home equity. Mind you, my home is paid off and not worth a lot, but I guess I have...
by Traveler
Wed Jun 20, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 2791

Re: Best time to travel to Iceland?

I went in late May/early June of 2016 and had great weather for all but the first day of the 11 day trip. I drove the ring road around the island. It was great. It probably wasn't the least expensive time to go but it also wasn't the most expensive time. I highly recommend it. It is like nothing you...
by Traveler
Sun Jun 17, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 37
Views: 3445

Re: How to calculate "fun money" per year?

One approach is to calculate your take home pay less regular bills, less savings for large items (property taxes, new roof, new car, etc), less additional savings for retirement if needed/wanted (beyond 401K, HSA, IRA that are typically pre-tax), and spend the rest. I have a fairly detailed annual b...
by Traveler
Sun Jun 17, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 1975

Re: Italy Trip Questions

If you want to go, go, go, ten days would be enough to see the top sights in each place. I personally don't care for Florence and would much rather roam around Venice, but to each his own. I did an eight night driving trip through the Umbria region last fall (similar to Tuscany) and felt like I coul...
by Traveler
Sun Jun 17, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8376

Re: Which Supermarket are you?

I primarily shop at Kroger and Publix but buy a few specific things at Trader Joe's. I rarely shop at Aldi or Target and never at Whole Foods and Walmart. I occasionally look at the weekly ads but saving a few dollars usually isn't worth the inconvenience of going to multiple stores.
by Traveler
Fri Jun 15, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6940

Re: can we afford to spend $20K on travel annually

Go! Travel! I make a bit over half of your income and my travel budget is $14K/year - the biggest line item in my budget.
by Traveler
Sun Jun 10, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: FedEx Home Delivery and PO box
Replies: 15
Views: 1243

Re: FedEx Home Delivery and PO box

Can you route it to a nearby Walgreens? FedEx partners with Walgreens as alternative delivery points.
by Traveler
Sun Jun 10, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6149

Re: Need advice on 1st international vacation

I have traveled all over Europe, to most countries by myself. I've also traveled to several countries in central and south America as well as Japan by myself. For a 7-10 day trip, you're best off with Europe. Language: I wouldn't let language even be a consideration for anywhere in Europe. I did a 1...
by Traveler
Thu Jun 07, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4455

Re: How much to budget for a week long vacation for 2?

I just spent 8 days plus two travel days in the Azores by myself and for airfare, hotels, car rental, food, other transportation, a couple activities and minimal souvenirs, it cost a total of $2578. Earlier in the year I spent 6 days plus two travel days in Cartagena, Colombia and spent $1363. This ...
by Traveler
Mon Jun 04, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6472

Re: Expensive house in HCOL area

I'm trying to figure out how one can manage a $1.2M mortgage on a salary on only $120K (you said it could be done should one lose a job and variable pay goes away). I make more than $120K and wouldn't even consider a $500K mortgage.
by Traveler
Mon Jun 04, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13949

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

If you're interested in being a professor/college instructor, why not find a position teaching health care administration in a business school? Then you don't need the law degree.
by Traveler
Fri May 25, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS penalize for overpayment of taxes?
Replies: 19
Views: 2057

Re: Does IRS penalize for overpayment of taxes?

Just this week a coworker and I were talking about estimating taxes and he said you can be assessed fines for both underpaying and overpaying. I was surprised but he was confident that is the case.
by Traveler
Sun May 20, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a custom retirement savings calculator for Airline pilot Direct contribution
Replies: 14
Views: 1332

Re: Looking for a custom retirement savings calculator for Airline pilot Direct contribution

Not sure I completely understand the predicament you're in with calculators but you keep mentioning percentages. If you're maxing out your 401K, it is a dollar amount - why not use that? Then you can use the graduated employer contributed percentages on an annual basis. Since you're only talking abo...
by Traveler
Sun May 20, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3562

Re: Life Changes

minimalistmarc wrote:
Sun May 20, 2018 5:40 pm
Why not stay put while you build the new house, then move once it’s habitable?
+1
by Traveler
Thu May 17, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2830

Re: Any experience with Blue Apron?

A friend gave me a week or two a couple years ago as a gift. It was ok but I thought it was a lot of work. I don't cook much and it was tiring to think ok, I have to cook again tonight because it could go bad in the next day or two.
by Traveler
Sat May 12, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24812

Re: Lucrative careers?

MBAs from top 50 schools come out making $100K+ but you need an undergrad plus 3-5 years work experience to get into most programs
by Traveler
Sat May 12, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Time Span Between Job Changes
Replies: 16
Views: 1472

Re: Time Span Between Job Changes

Mine have been: 5 years (FTE) 1 year (contract) 2 years (FTE) 7 years (FTE) 4 years (FTE) At one of my megacorps we had a resume from a guy who hopped jobs probably about every 6 months to a year. These were FTE jobs, not contracts, and it was definitely seen as a negative. Every six months to a ye...
by Traveler
Thu May 10, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3963

Re: Used car, $20K-$25K

Nissan Maxima?
by Traveler
Thu May 10, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 4781

Re: Which City to spend 4-6 weeks?

I would do Rome or Prague although Rome is not very bike friendly
by Traveler
Sun May 06, 2018 7:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 65
Views: 12652

Re: Metro Atlanta Bogleheads Local Chapter

I have never attended a meeting but I will try to make it to this one
by Traveler
Sun May 06, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: HSA logistics for common law marriage.
Replies: 12
Views: 722

Re: HSA logistics for common law marriage.

I wish laws were made with rational thought. Why is that I, being truly single, can't contribute more than $3450 but this couple who isn't actually married can contribute $13,800? Things like this, file and suspend SS and the rule that someone who was married for 10 years but is now divorced can tak...
by Traveler
Sun May 06, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: ? on income above max SS threshold
Replies: 4
Views: 559

Re: ? on income above max SS threshold

It disappears once you hit that threshold during the year
by Traveler
Sun May 06, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How much should I save or would be available for health care in retirement?
Replies: 43
Views: 4374

Re: How much should I save or would be available for health care in retirement?

Medicare and a supplement are the easy parts.... I am unable to find a dental insurance plan that is worth having. The ones I do find are for clinics where it seems dentists go the minute they graduate to get experience. I'd rather pay an experienced professional and they are expensive if you need ...
by Traveler
Fri May 04, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8450

Re: Bucket List Adventures/Activities

Big fan of Yosemite and Yellowstone. Really want to see Glacier and the Utah Canyon lands. Iceland is on my bucket list. Like Yellowstone and Glacier, lots of geothermic areas and glaciers. I drove the ring road by myself a couple years ago and thoroughly enjoyed it. I'm heading to the Azores this ...
by Traveler
Wed May 02, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to consider when buying a home without real estate agents being involved?
Replies: 3
Views: 490

What do I need to consider when buying a home without real estate agents being involved?

I currently live in a 2 bedroom townhouse that is paid off and has relatively low HOA fees and utilities. I would like more space and the end unit in my building is going to be sold soon due to the owner moving out of state. I know the owner and we were talking about if I buy it directly from her, w...
by Traveler
Mon Apr 30, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Include dividends/interest in savings rate calculation ?
Replies: 26
Views: 1581

Re: Include dividends/interest in savings rate calculation ?

When I calculate my savings rate (acknowledging as others have said, it's a fairly meaningless metric), gross income includes salary, bonus, capital gains/losses/dividends in my brokerage/taxable account, money market interest, cash gifts, even cash back credit card rebates. I also include in income...
by Traveler
Mon Apr 30, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 7153

Re: How would you handle a request for money from a niece?

She should ask her parents for money, not you and not her grandmother. I wonder if she doesn't want to because she's already received some from them so you and grandma are fresh meat.
by Traveler
Fri Apr 27, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: New 401K funds - help me understand costs
Replies: 5
Views: 511

Re: New 401K funds - help me understand costs

What I wrote is quoted from the communication. And my calculation is from their calculation example (using my own example). This is why I am confused - it seems extremely inexpensive. I work for a fortune 50 company so maybe due to its size, they are able to offer these prices?
by Traveler
Thu Apr 26, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6461

Re: Learning to drive stick

I'm going to the Azores next month and ran into the same problem. On one of the islands I can't even get an automatic car. I've tried to learn how to drive a stick and gave up decades ago. So I will pay the extra on the one island and wing it on the second island. Good luck!
by Traveler
Thu Apr 26, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: New 401K funds - help me understand costs
Replies: 5
Views: 511

New 401K funds - help me understand costs

I thought I understood the fees associated with my 401K funds but I just received a notice whereby a few new funds are being added and it listed associated fees in terminology I'm not sure I understand. Here is an example: US Large Cap Equity INdex Fund: investment management fee is 0.8 bps (.00008)...
by Traveler
Tue Apr 24, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2840

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

I’ve paid income taxes and property taxes on credit cards several times. Did it in December and January to meet minimum spend to achieve Southwest companion pass status. Cost me about $400 in fees....but airline tickets for two trips this year that would’ve cost me $3700 are now free. And I’ll have...
by Traveler
Sat Apr 21, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15168

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: 5
Views: 694

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: 112
Views: 7538

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: 34
Views: 2339

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: 113
Views: 8093

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: 66
Views: 5897

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: 3290

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: 2690

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: 4337

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: 1160

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: 14111

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: 4120

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: 7392

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 ...