Search found 671 matches

by Traveler
Sat Jan 19, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7383

Re: When would you stop being a Boglehead?

Short of winning a major lottery, I will never have eight figures of wealth. That said, even if I did win the lottery, I would continue to manage my investments on my own. I may seek specific guidance on taxes, but otherwise wouldn't need anyone to help me invest efficiently. If I had tens of millio...
by Traveler
Sat Jan 19, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: Tell me your HSA strategy/advice
Replies: 26
Views: 1745

Re: Tell me your HSA strategy/advice

I only have $20-25K in my HSA but look at it as a small piece of my retirement portfolio. I cash flow current medical expenses and save most receipts in case I need to use them later for some non-taxed cash. I have as much as they allow me to have invested in a simple S&P index fund with a low cost ...
by Traveler
Sat Jan 19, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 37
Views: 2044

Re: Sicily over Italian cities?

As a whole country, Italy is my favorite. I have been to Rome, Florence and Venice several times, Milan, Lake Como area, Cinque Terra, Umbria region, and Pompeii/Herculaneum, Capri, Sorrento, Positano. I am one of the few who don't see what the big deal is about Florence, but love everywhere else I'...
by Traveler
Sat Jan 19, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 110
Views: 10933

Re: How much money did you receive from family? (Gifts/inheritance)

I had scholarships to cover college but my parents provided some spending money here and there. I used loans to pay for grad school. Over time my parents have given my brother and me each lump sums of $1000, $2000, etc. I don't need it but if they give it to one of us they give it to both of us. My ...
by Traveler
Fri Jan 18, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4712

Re: 11 days in Europe...Budget and logistical advice please

I wonder for those of you that are females, what you do to carry your money and ID? We tend to not have very useful pockets, back, front, or otherwise. [/quote] I travel solo to Europe several times a year and always just use a cross body purse. I keep it zipped and buttoned and have never had a pro...
by Traveler
Fri Jan 18, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 78
Views: 9001

Re: Who's flying?

I flew out of Atlanta a week ago Wednesday and it was fine. However, this past Monday morning apparently was mayhem. You might be better off going to the international terminal entrance - sometimes waits there are better.
by Traveler
Sun Jan 06, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4712

Re: 11 days in Europe...Budget and logistical advice please

There are quite a few nice places within a 3 hour train ride of Paris. I'd do a few days in Paris (been a couple times), two days in Normandy (I haven't been) and then maybe Bruges, Belgium (skip Brussels) or Amsterdam (been to both). Or you could head into Germany and see Cologne or Heidelberg (I h...
by Traveler
Sun Jan 06, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2596

Re: Carryon for 7-day FL vacation?

I've done two weeks in Europe several times in a carry-on rollerboard and small day pack. A week in Florida should be easy.
by Traveler
Sun Jan 06, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6255

Re: What do you think are (some of) the best states to live in?

I've lived/worked in Portland, OR, Sacramento, CA, Tempe, AZ and Atlanta, GA. I'm always dumbfounded by how many people want to move to Portland (where I grew up and family still lives). While scenic, the cost of living, particularly for housing, far outpaces salaries. For instance, I work in corpor...
by Traveler
Sun Jan 06, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8247

Re: What Do You Spend The Most On Annually?

Of gross income: Savings: 51% (does not include employer contributions) Taxes: 22% (income taxes including FICA) Travel: 9% Home: 5% Everything else: 13% I wish taxes were lower but I can't do much about those. Otherwise I live relatively frugally and save a lot with the hope of retiring in early 50s.
by Traveler
Tue Jan 01, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19509

Re: Favorite Purchase of 2018?

Trips to:
Cartagena, Colombia
NYC
The Azores
Greece
by Traveler
Tue Jan 01, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 3977

Re: Uber/Lyft where do you sit?

Used Uber for the first time a few weeks ago and asked if I could sit in the front seat because I was using a crutch and it would have more room. The driver easily obliged. Normally I would sit rear passenger side.
by Traveler
Tue Jan 01, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8294

Re: Your ideal home size

SIngle person. Owned a 2100 sq foot single family home, four bedrooms, 2.5 baths. Now I have a 1350 sq foot townhouse, 2 bed, 2.5 baths. I like the size of the townhouse better although I do miss having a garage.
by Traveler
Tue Jan 01, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102482

Re: What Movie Have You Recently Watched?

Bird Box - slow and strange. Don't understand the hype.

Green Book - I enjoyed it
by Traveler
Tue Jan 01, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2169

Re: Save expired passports?

When I applied for global entry, I had to list the countries I've been to in the last X number of years - those years went back to my previous passport which I referenced for countries and dates.
by Traveler
Tue Jan 01, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: End of year...assessments
Replies: 3
Views: 706

Re: End of year...assessments

Isn't it most everyone's first year of loss in equities in ten years?
by Traveler
Tue Jan 01, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 128
Views: 7809

Re: 2019 Expenses > 2019 Income – Help us close the gap

I don't live in California, but how in the world do you get off with state income taxes of only $15/month? And if your wife stays at home, why do you need a house cleaner?
by Traveler
Tue Jan 01, 2019 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Paid your out of pocket maximum? Think again
Replies: 15
Views: 2322

Re: Paid your out of pocket maximum? Think again

I had an interesting pharmacy situation last week - at least for me. I was filling an expensive name brand script and the doctor's office had given me a brochure with some sort of coupon - they said try it, you might get a discount. So I called the 1800# of the pharma company and they told me that I...
by Traveler
Tue Jan 01, 2019 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating my 2018 Spending
Replies: 32
Views: 2299

Re: Evaluating my 2018 Spending

I track my spending fairly closely as well. I hope that 2019 brings less spending on medical, but that is not solely in my control. I also hope to spend the planned amount for travel (I increased that line item). My charitable giving will decrease since I bunch two years at a time and 2019 will be a...
by Traveler
Fri Dec 14, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding underpayment penalty
Replies: 22
Views: 2110

Re: Avoiding underpayment penalty

What is the penalty if one doesn't meet any of the safe harbors? I think I will have at least paid 90% of what is due, but I"m not positive. The tax law change may throw me off this year.
by Traveler
Fri Dec 14, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5259

Re: Forgoing health insurance

I just tore a meniscus stepping off a curb and had a simple arthroscopic surgery to clean it up last week. The hospital bill alone was $24K (insurance rate was $4600). This does not include the surgeon or anesthesiologist. The MRI was ~$650 at the insurance negotiated rate. At my follow up appt toda...
by Traveler
Thu Dec 13, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do our savings rate habits change as we get older?
Replies: 16
Views: 1525

Re: Do our savings rate habits change as we get older?

I've always been reasonable responsible with money, but until I graduated grad school, I wasn't making much. I started truly saving at 29 when I graduated and then started overdrive saving about 38 when I got a new job that increased my income another ~40%. Now I save twice the amount I spend each y...
by Traveler
Thu Dec 13, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Evaluate Giving
Replies: 15
Views: 1220

Re: How to Evaluate Giving

My primary charitable donations go through United Way with my company's annual initiative. Through that I am able to designate specific organizations (even churches) where I want my donation to go or I can just put it into UW's general fund. I learned a great deal about several local charities by se...
by Traveler
Wed Dec 12, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2457

Re: Trip to Italy

I would strongly suggest going in September or October. The crowds will have died down, the prices will have dropped and the weather will still be nice. There's no way I'd go anytime between June 15 and Sep 1, and I vacation in Europe a couple times a year. The last two weeks of May are a good alter...
by Traveler
Tue Dec 11, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22083

Re: What percentage of your net worth is your home equity?

Net worth posts on here always make me laugh and cringe at the same time. People invent new definitions and speak it as gospel. I won't restate the correct definition because even those who invented their own actually know the true definition. Using KlangFool's gospel, the townhouse I bought in 2011...
by Traveler
Mon Dec 03, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14563

Re: Retirement itch- when did you get it?

From a planning and saving perspective I started being very diligent about 38. But the itch has come in the last couple years, around 44-45. I hope to be done working by 52-54 provided I think I have enough money to live the rest of my life. Healthcare expenses are the biggest unknown, particularly ...
by Traveler
Sun Dec 02, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5302

Re: Do you get a year end bonus?

Middle management at megacorp and my bonus target is 35% of base salary, 50% of which is cash and 50% is RSUs that starting with the 2018 bonus vest in one year (vs 5 years prior). The range in the last few years is 70-100% of the target. The bonus for 2018 will be paid in March 2019.
by Traveler
Sun Dec 02, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4414

Re: Home Purchase Price vs. Gross Income

At the time I bought my townhouse in 2011, it was 0.4 times my gross income. The value of it now is right about 1 time gross income and it has been paid off for over a year.
by Traveler
Fri Nov 30, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6748

Re: Restaurant Budget

The big three expenses for everyone are: housing, transportation, food My big three are actually income taxes, property taxes, and insurance. Fun stuff. So, my spending is probably not typical. However.... given the OP's income, $700/month seems like a lot of money for restaurant expenses. But if t...
by Traveler
Thu Nov 29, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6748

Re: Restaurant Budget

I've averaged $300/month this year. That does not include meals while on vacation (those get lumped into the vacation bucket).
Single, age 46, female, gross income ~$175000
by Traveler
Sun Nov 18, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5513

Re: New job concerns

Threads like this make me happy I have never worked somewhere where effectiveness of salaried employees is judged by hours in the office. Even reading that managers think that way makes me sad a little. +1. Thankfully the millennial generation has less patience for this kind of nonsense. Pulling th...
by Traveler
Sat Nov 17, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5513

Re: New job concerns

A salaried job with hours of 8:30 to 4:15? Sign me up. Sounds like fantasy land.
by Traveler
Sun Nov 11, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29640

Re: Habits of the Rich

Get enough education to allow for a higher than normal income and then live as if you make a lot less
by Traveler
Sat Nov 10, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 12040

Re: If expenses are low, are some of us over saving?

I'm single with no debt, paid off home, newer car and save more than twice what I spend each year. I live in a medium COL city and live moderately frugally, but don't want for much of anything. I still spend $45-50K/year. The thought of working until medicare age of 65 makes me ill so my expenses, e...
by Traveler
Sat Nov 10, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I choose a high deductible health plan with HSA or stick with PPO?
Replies: 12
Views: 1099

Re: Should I choose a high deductible health plan with HSA or stick with PPO?

With the large premium difference, I can't see how the PPO would ever be a good deal. The only exception would be if the PPO covers the monthly medicine in a much better way than the HSA does.
by Traveler
Sun Nov 04, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 11058

Re: Becoming frugal

Don't buy needless stuff and live in a house/condo/apartment that is not oversized
by Traveler
Sat Nov 03, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 36
Views: 3419

Re: high deductible vs. PPO calculation--high deductible always wins?

There are a few instances where the PPO might make more sense, but in general, I prefer to have lower premiums which are sunk costs and don't calculate into out of pocket maximums
by Traveler
Sun Oct 28, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2368

Re: why split property tax payment with SALT limit; why itemize?

As a single person with a relatively decent income but low property taxes, my SALT is right at $10K. I bunch charitable donations so that every other year I can itemize and the odd years I will use the std deduction. The SALT limit of $10K per return is one area that actually benefits single taxpaye...
by Traveler
Sun Oct 28, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buying questions
Replies: 17
Views: 2034

Re: First time home buying questions

It probably depends on where you want to live vs where you work but I assume you're looking at Beaverton, Aloha, Hillsboro, maybe parts of Tigard. Surely you can find a 2000+ sq ft home in these areas for <$500K and still be in a decent school district. A quick look at Realtor.com shows plenty of se...
by Traveler
Sun Oct 21, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5715

Re: 8 reasons why pensions are [good]

I'd love to forgo SS and have a pension that paid 92% of my final five years average salary, even without a COLA. As it is today, full SS at age 70 would only be 33% of my base salary. They are most definitely not that great if you are a teacher in Texas or many other states. 1. Pension is non-COLA'...
by Traveler
Sun Oct 21, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 8590

Re: Lufthansa Premium Economy

I haven't flown LH Premium Economy but I did just fly AF's Premium Economy Atlanta to Paris a few weeks ago. It was a wider seat, much more leg room, better headphones, a small amenity kit, a nicer blanket and pillow. I think dinner was the same as coach. I flew coach on the return leg and it was fi...
by Traveler
Sun Oct 21, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17151

Re: Where would you go for financial guidance if you win the Megamillions?

I'd like to think my life (or at least my mindset) wouldn't change a great deal. Unless there was a security risk, I wouldn't change where I live in my current locale and I also wouldn't buy a new car. I might buy a home overseas. And I would travel first class and stay in nicer hotels than I do now...
by Traveler
Sun Oct 14, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3280

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

Spend $100 on the highest level AAA membership and drive your own car. It wouldn't even be a question for me.
by Traveler
Tue Sep 25, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: What do folks use for long-term forecasting of their personal finances?
Replies: 24
Views: 2563

Re: What do folks use for long-term forecasting of their personal finances?

I use Excel and also play with Firecalc. My Excel sheet really only goes to the estimated year I will retire for assets so I have an estimation of how much I will have then. I have another longer term forecast for expenses which is what I use in Firecalc. Healthcare between retirement and Medicare i...
by Traveler
Tue Sep 25, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Be sure to check your tax estimates for 2018
Replies: 24
Views: 3455

Re: Be sure to check your tax estimates for 2018

Assuming I included everything I was supposed to on the IRS calculator, I will owe $356 on an income of >$150K. This is ideal - don't owe much and don't have a large refund.
by Traveler
Sun Sep 16, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me assess condo purchase and overall finances
Replies: 22
Views: 1305

Re: Please help me assess condo purchase and overall finances

Living in the Atlanta metro area, in my opinion location and proximity to work is key to where one lives. If you'll save significant time, gas, etc on a shorter commute, that should factor into your decision as well. Your condo sounds like mine, even down to the HOA dues. I'm in a townhouse in Sandy...
by Traveler
Sun Sep 16, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13516

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I'm always fascinated when people say they work 15-20 hour days 6-7 days a week. And frankly, it's hard for me to even believe. Here is a hypothetical schedule: Up at 5:30 Logged in at work at 6:00 Work straight through, no lunch break, until 18:00 Home and dinner eaten by 19:00 Logged back in at 19...
by Traveler
Sat Aug 25, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22330

Re: Decent compensation to move to Bay Area CA?

I don't work in tech and have lived in Atlanta since 2001, having grown up in Portland, OR, lived in Sacramento for a couple years after college, and business school in Arizona. I make decent money in Atlanta that affords me a paid-for home, no car payment, 3-4 international vacations each year, a ...
by Traveler
Sat Aug 25, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22330

Re: Decent compensation to move to Bay Area CA?

I don't work in tech and have lived in Atlanta since 2001, having grown up in Portland, OR, lived in Sacramento for a couple years after college, and business school in Arizona. I make decent money in Atlanta that affords me a paid-for home, no car payment, 3-4 international vacations each year, a 4...
by Traveler
Mon Aug 20, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4095

Re: How do you pay for purchase of a vehicle in retirement?

In planning retirement expenses, I plan for a $25K car purchase expense every 10 years. I've never spend that much on a car and usually keep cars longer than 10 years so I may be overestimating the expense. My anticipated travel expense is much greater than my car expense.