Search found 504 matches

by Traveler
Sun Jan 21, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: We need more space!
Replies: 22
Views: 1488

Re: We need more space!

If your wife returns to work, will she be able to find a job in the local area? I would consider her commute/potential commute before buying elsewhere, or let her return to work and then decide where you want to live based on both of your commutes. If you actually move to a new area, I would be incl...
by Traveler
Sat Jan 20, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Shortchange your match -- true for all employers?
Replies: 18
Views: 1610

Re: Shortchange your match -- true for all employers?

My megacorp does a true up, although I've never used it since I spread out the contribution by month
by Traveler
Sat Jan 20, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 2973

Re: What's your annual cost of living (expenses)?

SIngle
Atlanta
$44K not including income taxes
by Traveler
Thu Jan 18, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Let's hear (or see) your budget tools
Replies: 12
Views: 1099

Re: Let's hear (or see) your budget tools

I have a relatively complex Excel file that contains an annual budget broken out by month and then I track actual expenses on a daily or weekly basis. I have numerous categories and track accordingly. From a "am I staying within my budget" question, I look at what I've spent YTD and what my budget w...
by Traveler
Thu Jan 18, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are these benefits from my employer good ?
Replies: 13
Views: 1375

Re: Are these benefits from my employer good ?

Seem pretty standard/decent. I work for a megacorp and here is a quick summary of my primary benefits: Medical: premium $18 per year, $2000 deductible, $3500 out of pocket max for a single person Dental: no premium, coverage up to $1500 per year, includes two regular cleaning exams and one set of xr...
by Traveler
Tue Jan 16, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3300

Re: Understanding the Great Recession Impact

My company's 401K match is in company stock. So each quarter I go in and sell it and divvy it up into my 3-4 fund portfolio. That said, I buy company stock through the DESPP for a 5% discount, a ~3% dividend and a ~3% return in my annual bonus. People here would say I'm overweight in company stock, ...
by Traveler
Sun Jan 14, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement possible?
Replies: 12
Views: 1746

Re: Early retirement possible?

I don't know if you can or can't do it, but I would make sure I have accurately planned for capex items on the rentals such as new appliances every 10-15 years, new roofs every 15-20 years, new water heaters every 7-12 years, new flooring every so often, new paint and/or siding, etc. All of those re...
by Traveler
Sun Jan 14, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2146

Re: Do you correct cashier mistakes?

If I catch while in the store or parking lot, yes. If I"m already home and it's a small amount, I let it go. I also won't argue - if they argue and it's in my favor, I let them give it to me - maybe I understood it wrong or there's a sale I'm not aware of. In regards to your oil change example, if I...
by Traveler
Fri Jan 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5650

Re: Trying to downsize but still too much stuff

Nice to see other like-minded individuals here; I think we are a minority :). My last move got me down to about 20 boxes, give or take and my long term goal is to reduce down to 100 items (not boxes, but items!). I really love living a minimal lifestyle, both in terms of de-clutter and a small/mana...
by Traveler
Fri Jan 12, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best Option: Bankruptcy, just not paying, something else? (Massachusetts)
Replies: 5
Views: 1135

Re: Best Option: Bankruptcy, just not paying, something else? (Massachusetts)

Have you stopped the bleeding and started living within your means?
by Traveler
Fri Jan 12, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4586

Re: New Tax Plan - How to make the most of it?

I know. But I mean, part of the reason I'm max-ing the retirement contributions is to save tax. In 2017, if I don't make any contributions to retirements, I'm in the 28% bracket and pay $28.3k tax. When I max the contributions, I bring myself from 28% to 25% bracket and pay $17.5k tax. I save $10.8...
by Traveler
Wed Jan 10, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2862

Re: Use HSA money or pay out of pocket?

I have had an HSA for years and max it out every year. For a couple years I was paying for expenses out of the account and I think here on Bogleheads I realized I should be letting it ride for the triple tax savings. So that is what I do now - pay for expenses out of pocket and let the account grow....
by Traveler
Wed Jan 10, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: New to HSA's - A Couple of Questions
Replies: 5
Views: 512

Re: New to HSA's - A Couple of Questions

My HSA is through Optum Bank. Their website is user friendly and the investment options for my account are good. I do have to keep $2000 in cash (I'm not sure it even earns savings account interest).
by Traveler
Sat Jan 06, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 16364

Re: Buying a new home at age 50 in a nicer neighborhood

I remember your original post and the lovely pictures of your old house. Congrats on the new one - it is just as beautiful. I hope you enjoy it for many years.
by Traveler
Sat Jan 06, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11795

Re: European Cities that don't interest you

I've been to Europe many times over the last 25 years, some with other people, many solo trips. A few cities I have little further interest in include: Milan Brussels Madrid Zurich Florence Athens Hamburg Some of these I have been to more than once, but have little desire to return to again. There ...
by Traveler
Wed Jan 03, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 4908

Re: Social Security at age 62 perhaps?

I'm not a SS expert but what would happen if, God forbid, you died before you filed for SS? Would she still be eligible for 1/2 of yours if that is greater than hers? Would she have sufficient cashflow to live the lifestyle she would like?
by Traveler
Mon Jan 01, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3267
Views: 946041

Re: What Movie Have You Recently Watched?

Saw The Darkest Hour yesterday and enjoyed it, especially after having seen Dunkirk recently. Churchill was seemingly quite a character.
by Traveler
Sun Dec 31, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Did you get an Unexpected Year End Bonus because of the Tax Cut?
Replies: 44
Views: 3288

Re: Did you get an Unexpected Year End Bonus because of the Tax Cut?

No, but my benefits cost less next year (LTD, health, dental) and I can put $50 more into my HSA and $500 more into my 401K
by Traveler
Sat Dec 30, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11795

Re: European Cities that don't interest you

I've been to Europe many times over the last 25 years, some with other people, many solo trips. A few cities I have little further interest in include: Milan Brussels Madrid Zurich Florence Athens Hamburg Some of these I have been to more than once, but have little desire to return to again. There a...
by Traveler
Sat Dec 30, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 1599

Re: New Job Offer Dilemma

Since you didn't give the actual salary amounts, it is difficult to give advice. $20K on $60K is a lot more than $20K on $150K, for instance. That said, you know the numbers and can calculate the total compensation including 401K match and time off (put it into a $ amount), and cost of commute and c...
by Traveler
Sat Dec 30, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Long-term cost of ownership: 1996 Honda Civic
Replies: 16
Views: 1388

Re: Long-term cost of ownership: 1996 Honda Civic

You probably overestimated the fuel costs. I remember paying $0.79/gallon within the last 16 years. I also remember paying $4.99/gallon for a short time as well.
by Traveler
Sat Dec 30, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5273

Re: Got myself an extra $200 today just by being observant

I bought my current car new at the price listed in the paper and believe I got a good deal. Some of you may disagree.
by Traveler
Sat Dec 23, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 20019

Re: Do you see a meaningful change in your income with new Tax Bill?

My fed inc taxes should be reduced by $3000-3500. I'll take it but in reality it goes on the country's credit card bill so I have mixed feelings about.
by Traveler
Thu Dec 21, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6462

Re: Do you include your house in your net worth if you own it outright?

I calculate my net worth about once a year for the heck of it. I include my home which is paid off as well as my car with is paid off (I depreciate the car each year and use averages of like homes sold in the last six months for the value of the home). If neither were paid off I would include the va...
by Traveler
Sun Dec 17, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 6902

Re: New Car - Always use parking brake ?

I use the parking brake all the time. It's a habit.
by Traveler
Sun Dec 17, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 8997

Re: How much do you spend on food per month, per person?

$230 for groceries
$200 for eating out
$430 total (single person)
by Traveler
Sun Dec 17, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2172

Re: Spousal SS benefits

It would be nice if married people had the same options as single people
by Traveler
Thu Dec 14, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2186

Re: What are your favorite tax deductions and credits for 2017?

The ones I can actually take. There aren't too many
by Traveler
Sat Dec 09, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2915

Re: Europe Suggestions

For kids I think Austria is nice - especially Salzburg - you could do a Sound of Music tour and watch the movie before or after the trip. Rent bikes. HIke in the mountains. There is a really fun luge ride outside Salzburg (at least it was there 16 years ago, haha). Visit a salt mine.
by Traveler
Sat Dec 09, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 5422

Re: I am buying a car: Most/Least Reliable Makes?

...There is ALWAYS something needing expensive attention... Such as? Every car needs general maintenance; regardless of brand. -Side doors routinely wearout -Alternator failure -Valve cover gasket leaks -Poor ECO mode with broken engine mounts None of which I would call general maintenance. Should ...
by Traveler
Sat Dec 09, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: This close to withdrawing 27K...
Replies: 6
Views: 1821

Re: This close to withdrawing 27K...

If it is in a retirement account, why is it sitting in a money market account? You say it's only made $2.05 this year but it easily could have made $4000 in a low risk index fund.
by Traveler
Sat Dec 09, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 16614

Re: Save all this money, what do you splurge on?

Vacations. This year I spent 10 days in the Alsace region of France, took my mom on an Alaskan cruise, spent 10 days in the Umbria region of Italy, went to a resort in Jamaica for five days and will see family over Christmas for a week. I need more vacation days at work!
by Traveler
Sat Dec 02, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job; use part of emergency fund to pay down HELOC?
Replies: 20
Views: 1893

Re: Lost my job; use part of emergency fund to pay down HELOC?

Cash, cash, cash. Keep as much of it as you can right now, especially if you might go into business for yourself. Don't fund your retirement accounts in January - you can do that once you have a job. Have you asked your employer about Cobra? You should be eligible for 18 months, but I think you need...
by Traveler
Wed Nov 29, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14014

Re: FIRE [financial independence/retire early]

So the 25X rule applies no matter one's age? I find it hard to believe that someone with $50K in annual expenses can retire with $1.25M at age 35. Now if that person with the same $50K in expenses was 50 or 55, the $1.25M is more likely enough to retire. That same $1.25M needs to last the 35 year ol...
by Traveler
Fri Nov 24, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 7723

Re: Discovered debt

Before paying down any of the debt, she needs to fully understand how the debt came to be. If it's his crazy business that has never made any money, he needs to close the business. If he's been spending freely and built up the debt (wouldn't she have seen signs of this?), then he needs to go through...
by Traveler
Fri Nov 17, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off my house. Now how to handle insurance and tax payments?
Replies: 21
Views: 2196

Re: Paid off my house. Now how to handle insurance and tax payments?

Mine are pretty low so I just cash-flow them when they come due annually and pay them as I would any other bill. If they were larger, I would probably put aside a monthly amount in a savings account to ensure it is there when needed.
by Traveler
Sat Nov 11, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 111
Views: 12400

Re: Tipping for restaurants where you order at the counter

To tag onto the discount question, here's another situation:
Mexican place up the street has Taco Tuesday every week. Tacos are $2 each that day when normally they are $3-4 each. I get three tacos for $6 on Tuesday but the same three tacos for $10-12 any other day. Do I tip more on Tuesday?
by Traveler
Sat Nov 11, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 1902

Re: When would you take a part-time option?

Besides the nursing example, where do these part-time gigs exist? I work in a megacorp HDQ and highly doubt there are few, if any, professional part-timers. There may be a handful of contractors but not many and their jobs are on the line every six months it seems.
by Traveler
Thu Nov 09, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 6324

Re: Interviewing at a former employer, should I give them my current salary when they ask?

This is such a tough question to even answer. Salary and compensation are very vague terms to me. All of the following roll up to compensation (and I'm probably forgetting a few things): Base salary Bonus (%/$ amount and whether there is any guarantee with it) Stock (RSUs, options, etc) 401K employe...
by Traveler
Thu Nov 09, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13833

Re: How old are you and how much do you save for retirement a year

Age 45, single
401K: 18,000
401K match: 4,500
Portable retirement account employer contribution: 10,600
HSA: 3,400
Brokerage/cash: $45,000-55,000
TOTAL: $81,500-91,500 per year
by Traveler
Sun Nov 05, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Break My Love Affair With Fidelity Low Priced Stock
Replies: 76
Views: 6510

Re: Help Me Break My Love Affair With Fidelity Low Priced Stock

OP, I've owned FLPSX for years too and can't seem to let it go as I move my portfolio into one of there-four index funds. It's done me well over the years and I plan to keep it a while.
by Traveler
Sun Nov 05, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4304

Re: Inexpensive house or condo as home base (MKE?)

Beware that with some condos, there are limits on the number of properties in the complex that can be rented so you may not be able to buy it and immediately rent it out.
by Traveler
Sun Nov 05, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: Bogleheads philosophy invades the NFL
Replies: 7
Views: 1048

Re: Bogleheads philosophy invades the NFL

He had to have at least paid some taxes. That said, this is one professional athlete that will not go bankrupt when he retires or can no longer play football. Much respect and best wishes to him.
by Traveler
Sun Nov 05, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 6118

Re: College student... Financial mess... Need advice...

YoungBuck - When I was enrolled at a major college, the school provided free legal advice to students. I had to use this service and they wrote a letter to a landlord who was trying to overcharge us for 'damages' to the apartment. You may want to see if your school offers this. Same thing with my u...
by Traveler
Sun Nov 05, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Signature-only card at unattended kiosks overseas?
Replies: 13
Views: 1051

Re: Signature-only card at unattended kiosks overseas?

I've never run into an unmanned kiosk. Usually at a train station and gas stations during the day, there is an attendant where you can use a signature card. I did get a PenFed chip and pin before doing a road trip in Iceland and the card never worked at the pump - I always had to go inside the store...
by Traveler
Fri Nov 03, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to tax deferred vs taxable accounts
Replies: 15
Views: 1190

Re: please advise - ?create more tax deferred space?

How do you have so much tax deferred space? Doesn't it max out at some point?
by Traveler
Mon Oct 30, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K to diversify retirement income?
Replies: 11
Views: 690

Re: Roth 401K to diversify retirement income?

I believe I can - I am calling my 401K provider this week to find out if/how to do it. That would clear up the income limit issue and I could then contribute $5500/year into my Roth IRA. That may be all I need to ease my mind that I'll have sufficiently diverse investment streams to get creative if ...
by Traveler
Mon Oct 30, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K to diversify retirement income?
Replies: 11
Views: 690

Re: Roth 401K to diversify retirement income?

As I start to think more seriously about retirement (in an estimated 10 years), I think about having to fund healthcare for ten years before medicare kicks in, and how given the current healthcare situation with the ACA, I need to be able to manage my income so as to maximize a subsidy. I fully und...
by Traveler
Mon Oct 30, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K to diversify retirement income?
Replies: 11
Views: 690

Roth 401K to diversify retirement income?

As I start to think more seriously about retirement (in an estimated 10 years), I think about having to fund healthcare for ten years before medicare kicks in, and how given the current healthcare situation with the ACA, I need to be able to manage my income so as to maximize a subsidy. I fully unde...