Search found 2795 matches

by travellight
Thu Apr 11, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

Hotel Mumbai: nail biting and entertaining.

Beach bum: worst movie I have seen in a long time, cringe worthy.
by travellight
Thu Apr 11, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: sort of deadbeat tenant
Replies: 23
Views: 2655

Re: sort of deadbeat tenant

I would also just subtract it from his security deposit.
by travellight
Sat Apr 06, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

Aftermath: slow, a little tedious.
Shazam: another superhero movie but surprisingly fun.
by travellight
Sat Apr 06, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

Gloria Bell, starring Julianne Moore who is delightful in this role. Thoroughly enjoyed it.
by travellight
Thu Apr 04, 2019 10:42 am
Forum: Personal Investments
Topic: Converting Trad IRA to Roth IRA - settlement fund?
Replies: 5
Views: 373

Re: Converting Trad IRA to Roth IRA - settlement fund?

You can deposit $5500 as cash in IRA and transfer it as cash and then buy what you want within the Roth. That's what I do every year to keep it simple.
by travellight
Mon Apr 01, 2019 9:57 am
Forum: Personal Investments
Topic: High Tax bracket strategies
Replies: 49
Views: 4619

Re: High Tax bracket strategies

When I make gifts to kids, I transfer mutual fund shares with a low cost basis, especially if they make less than approximately $100K, where LTCG tax rate is 0%. Results in no Fed tax on the gains. This is useful when gifting $15K x 4 = $60K in a given year (husband and wife gifting $15K each to ch...
by travellight
Sat Mar 23, 2019 10:28 am
Forum: Personal Investments
Topic: High Tax bracket strategies
Replies: 49
Views: 4619

Re: High Tax bracket strategies

I don’t think 529s are an obvious choice.

Donate with appreciated stocks rather than cash.

Tax loss harvesting but that is not just for higher income earners.
by travellight
Fri Mar 22, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

Gloria Bell, starring Julianne Moore as a middle aged single woman. It was really fun and she did a great job.
by travellight
Sat Mar 16, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

I watch Fighting with my family last night and thoroughly enjoyed it.
by travellight
Sat Mar 16, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6299

Re: Any credit cards that can beat the Citi doublecash?

Short answer: Every card in my wallet beats the Citi Double Cash. 2% is below the minimum I will accept, plus the "1% now and 1% when you pay" gimmick is stupid. 2.625% on the no-AF BoA Travel Rewards card with Platinum Honors (75% bonus) gets my general spending. Many categories (including groceri...
by travellight
Fri Mar 15, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6299

Re: Any credit cards that can beat the Citi doublecash?

Thanks MichCPA. I will look into Amex Blue business. I looked up how 2x turns into 4x and found some great information. Here is an article that captures it: https://thepointsguy.com/guide/redeeming-american-express-membership-rewards-maximum-value/ That is all personal spending and I pay high taxes ...
by travellight
Fri Mar 15, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6299

Re: Any credit cards that can beat the Citi doublecash?

If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything. https://www.alliantcreditunion.org/bank/visa-signature-...
by travellight
Fri Mar 15, 2019 10:02 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87281

Re: Post your Financial Milestone Announcements Here

If I add my net present value of pension, I realized this week that my net worth would double. The pension is the same as my entire net worth ( it’s actually a bit higher). How did you do this calculation? I was thinking PV of payment stream using, say, a 4% discount rate and assuming mortality of ...
by travellight
Thu Mar 14, 2019 6:23 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87281

Re: Post your Financial Milestone Announcements Here

If I add my net present value of pension, I realized this week that my net worth would double. The pension is the same as my entire net worth ( it’s actually a bit higher).
by travellight
Wed Mar 13, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6299

Re: Any credit cards that can beat the Citi doublecash?

I use a combination of Alliant in general and Citi prestige for travel; I get 5x on restaurants and air/travel, 3x hotels, 4th night free, Citi price rewind, and $250 travel credit per year which offsets the $350 fee. Also gives Priority club lounge. Both of these far outperform Citi double cash for...
by travellight
Sat Feb 16, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665316

Re: What's Your Credit Card Rewards Strategy?

I don't ever fly business class. I used "not to fly Business class ever." Now, I am making exceptions for: (1) overnight flights from the U.S. to Europe to be able to sleep on the plane (2) cases when discounted points for Business class exist and for Economy don't (3) particularly cheap Business c...
by travellight
Sat Feb 16, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 357
Views: 83056

Re: If your networth is over $3 million, how did you do it?

Hmmm.....this one is back from the dead. I don't think I qualified to answer this question the first time it was asked, but I do now. Here's how I did it: 1) Learned to be frugal 2) Spent a long time in school learning to do something that paid well 3) Worked hard and had a high savings rate 4) Fou...
by travellight
Sun Jan 27, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665316

Re: What's Your Credit Card Rewards Strategy?

After the annual fee posts, make sure to downgrade/product change to another card, don't cancel the Chase Sapphire Reserve. You can make it into a Chase Freedom or Freedom Unlimited, but if you cancel, given the 5/24 rule, you won't get another Chase card. How does canceling a card impact the 5/24 ...
by travellight
Fri Jan 25, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 1993

Re: Where to stay in Naples, Italy and along Amalfi coast

I also don’t recommend Naples. I was there recently and survived a purse snatching. Sorrento is a good base. I love Capri (do the hike), and Anacapri and Amalfi coast is great. Try to get to Ravello although all 3 main towns are gorgeous.
by travellight
Tue Jan 22, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10078

Re: Who's flying?

SAN Diego airport on Sunday, 1/20/19 was fine at 5:15 am. Went through security in about 10 minutes.

La Guardia today at 1:15 pm was also fine. Normal flow; took about 10 minutes.
by travellight
Tue Jan 15, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 22029

Re: Millionaire by 40 and How you Did it?

I hit $1M when I was 44 so I don't count. But I wanted to comment on a couple of posts. This forum has a lot of hand wringing about lots of minor things around the edges (how much international?, EM?, small caps?, etc), but nothing will make a bigger difference to your portfolio than investing in y...
by travellight
Sun Jan 13, 2019 4:28 pm
Forum: Personal Investments
Topic: Does anyone have entire 401K in bonds?
Replies: 56
Views: 5885

Re: Does anyone have entire 401K in bonds?

Apologies on the lack of other supporting information. I'm 33, and have been a laser focused pursuit of FIRE by 35, or FI at the very least. Here's my other accounts, yes I know lots of unnecessary complication, but the multiple interfaces has in some way helped me stay the course. I'm now only foc...
by travellight
Sun Jan 13, 2019 4:14 pm
Forum: Personal Investments
Topic: Real estate as part of overall investment plan
Replies: 37
Views: 2677

Re: Real estate as part of overall investment plan

You have to take things you read on this forum with a grain of salt when it comes to real estate investing (no disrespect). I say this because most people here (1) are older and too conservative, (2) don't have the money, (3) don't have the skills (and balls). Buying a good property takes some skil...
by travellight
Sat Jan 12, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665316

Re: What's Your Credit Card Rewards Strategy?

I currently get 2.25% on BoA Premium rewards as I am Platinum Honors. I see that https://www.pay1040.com/ charges 1.87% for making Federal Tax payments. I actually have a fairly significant estimated tax payment to make because of Vanguard distributions :( It seems like I can get .38% (2.25 - 1.87)...
by travellight
Sat Jan 12, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 906
Views: 241020

Re: Share your networth progression

1993 age 28 -$80k student loan debt 1997 $0 1999 $100k 2002 $400k 2005 $1 million 2007 $2 million 2010 $5 million 2014 $10 million 2016 $12 million Always saved 30-60% of after tax income. Blessed with great job though 24/7/365 commitment. Low cost, tax efficient index funds. Update 2017 $14.9 mill...
by travellight
Sat Jan 12, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 22029

Re: Millionaire by 40 and How you Did it?

I invested (time and effort) in my education and started earning in my late 20s. High savings rate, MMM level, as high as 85%. I always traveled though and never felt deprived. Hit 1 million around 40 and probably 10 million 17 years later due to real estate investments.
by travellight
Sat Jan 12, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 22029

Re: Millionaire by 40 and How you Did it?

And here is my story; this is another version of some of the stories above. I was contributing to my 401 plan and an IRA but I did not think much about saving and investing until I read The Wealthy Barber when I was 31 (1991). I completed my "financial education" reading Bogle's Common Sense on Mut...
by travellight
Sat Jan 12, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 1998

Re: NYC restaurant hidden gems?

Kiki’s LES for moussaka

Decoy for Peking duck
by travellight
Sat Jan 12, 2019 11:31 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87281

Re: Post your Financial Milestone Announcements Here

2018 was the first year my wife and I have been able to put $100,000 + into our portfolios. Of course the large drop also allowed us to do our first TLH. Not the best luck for our year of highest taxable investing but hopefully it will still lead to some nice gains in the future decades. I finally ...
by travellight
Sat Jan 12, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3490

Re: master suite features for addition

A Japanese style bidet toilet. Costco had a very sleek gorgeous one for $1000. You can get a lower price bidet seat for about $200 but be sure to have an electric outlet within 3 feet of the toilet in order to be able to plug-in.
by travellight
Sat Dec 29, 2018 12:38 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 142
Views: 8443

Re: My favorite Boglehead posters

corn18 wrote:
Fri Dec 28, 2018 9:13 pm
Want to add a shout out to Alan S and retiredjg as well for all their help on Roth conversions. I think they may save me thousands of dollars over the years.
Ditto, and grabiner.
by travellight
Sun Nov 18, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665316

Re: What's Your Credit Card Rewards Strategy?

Leesbro63 wrote:
Fri Sep 21, 2018 4:50 pm
JBTX wrote:
Fri Sep 21, 2018 9:37 am
I'll probably net around $4000-$5000 this year in various bonuses, without a lot of effort. To each his own.
[ quote fixed by admin LadyGeek]

The real money is in the brokerage bonuses, if you have a nice nest egg.
Can you elaborate on this?
by travellight
Thu Sep 06, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 5295

Re: To Be or Not to Be...Married

I think it is good that you are aware of all possible ramifications. Whatever you decide, I hope it all works out well for you. I would probably wait and not get married until it is time for kids.
by travellight
Thu Sep 06, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 47447

Re: Lucrative careers?

There are no such MD programs that are accredited in the United States. Again I’m not denying that CRNAs have an RN degree in the past just as MDs who graduated from United States have obtained a bachelors degree in the past. If you think I’m wrong please give me one allopathic program in the Unite...
by travellight
Mon Sep 03, 2018 11:54 am
Forum: Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 59
Views: 7149

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

I looked it up and answered my own question about 3.5% on travel/dining and it is true. Here is info for anyone interested; Step 4: Know what qualifies as travel and dining purchases The Bank of America Premium Rewards Credit Card has a fairly generous definition of travel purchases. According to th...
by travellight
Mon Sep 03, 2018 11:50 am
Forum: Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 59
Views: 7149

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

Not sure if I would go for BofA/ME - even with the bonus offers and credit card deals being more suitable for me there (using no annual fee cashback cards - not travel rewards cards). The BofA Travel Rewards card is a great card, even if you don't travel much. You get 2.625% cash back in the form o...
by travellight
Sun Sep 02, 2018 11:22 pm
Forum: Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 59
Views: 7149

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

I like both cards. They also both provide free access to various cultural events around town such as museums.
by travellight
Thu Aug 30, 2018 9:09 pm
Forum: Personal Investments
Topic: Cash Flow From Real Estate - Personal Advice on Beginning?
Replies: 18
Views: 1687

Re: Cash Flow From Real Estate - Personal Advice on Beginning?

I did it the "get rich slow" way. I bought my primary home, then a second home, then paid down the mortgages aggressively for about 20 years. I then used home equity LOC to buy 6 properties as "cash" and put out countless offers to end up getting the properties I got at a "great deal". I did not fol...
by travellight
Sun Aug 26, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

I loved 8th Grade.
by travellight
Sun Aug 26, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

ruralavalon wrote:
Fri Aug 24, 2018 11:30 am
Crazy Rich Asians.

This is a good movie, not as good as I had hoped but still worth the price of the tickets. My wife loved it.
I think I am the only one who didn't think so highly of this movie. I found it predictable. I would have renamed it Crazy Gorgeous Asians; it's mostly eye candy.
by travellight
Sun Aug 26, 2018 12:24 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 9770

Re: Individual Stocks That Went Bust

TWA?

most recently, moviepass stock fell from a high of about $8900 to recently at $125 to 3 cents per share.
by travellight
Tue Aug 07, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

This weekend's movies (so far): Adrift - While the visuals were great, there was very little to justify a movie of those length. Christopher Robins - All in all a very good movie. I thought there were more lessons directed to adults than to the children in the audience although would enjoy. Eighth ...
by travellight
Fri Aug 03, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 3191

Re: Car price ratio to NW

About 13% of income.
by travellight
Fri Aug 03, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 3191

Re: Car price ratio to NW

0.008
by travellight
Tue Jul 31, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

Wife and I went to see Mamma Mia! Here We Go Again From the review in the Onion by Peter Rosenthal - "A film you can choose to enjoy for the perfectly fine piece of entertainment it is, or live out the rest of your existence as a miserable killjoy who slogs through life recoiling at anything remote...
by travellight
Sun Jul 22, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 52078

Re: MoviePass-Too good to be true, but it's legit.

I wanted to see a movie yesterday, but of the 14 screens in my town, the 2-3 Sunday afternoon/evening shows (say 35 possible movies), 28 of them were surge priced. Ridiculous. Same thing happened with the wife and I. I think surge pricing is the beginning of the end to be honest. Any movie we wante...
by travellight
Tue Jun 19, 2018 10:17 am
Forum: Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 4179

Re: Value of a Military Retirement

I would tend to favor the pension; and your assumptions seem reasonable.
by travellight
Sat Jun 16, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

I saw won’t you be my neighbor last night. It’s about Mr. Rogers who I was already a big fan of. The movie was wonderful and I found it to be quite moving. I loved him even more after that if that was possible.
by travellight
Sat Jun 16, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4375
Views: 1143954

Re: What Movie Have You Recently Watched?

denismurf wrote:
Sat Jun 09, 2018 2:27 pm
The Death of Stalin had me and most of the theater audience laughing out loud most of the time.

I realized later that younger audience members tended not to understand what was going on and why it was funny.
I loved this black comedy also.
by travellight
Mon Jun 04, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 106281

Re: How much money do you need to retire?

When I had 800k 4 years ago or so I thought 2m was my number and I did feel a lot of freedom / less stress when we hit that. Many people do this. Once they hit their number they move the goal higher. It's called hedonistic adaptation. And those that do it tend to suffer, but suffer in more comfort ...