Search found 2847 matches

by travellight
Sun May 17, 2020 10:29 pm
Forum: Personal Investments
Topic: Do you Max for 401k then go for mega backdoor or both concurrently?
Replies: 14
Views: 995

Re: Do you Max for 401k then go for mega backdoor or both concurrently?

I max my 401k and back door Roth IRA Asap and then I do the mega back door Roth IRA. Pretty much the first quarter is spent doing all of this.
by travellight
Wed May 13, 2020 11:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169686

Re: What frugal thing did you do today?

I changed a solenoid which was a new experience for me. I also changed a ceiling fan light switch. I bought a bunch of 4" pop up sprinklers at 2/3rds off normal price. I have been doing my own pool maintenance with backwashing etc. To offset all these DIY projects, I have spent over 2k at Costco jus...
by travellight
Wed May 13, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

Prime Video :happy - "It's A Beautiful Day in the Neighborhood" with Tom Hanks. Wasn't expecting to like it and thought it excellent. Hanks is great as is Matthew Rhys. Really impressed with the film. (Totally unfamiliar with Rogers prior to seeing the documentary of him from the year before). I lo...
by travellight
Wed May 13, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

LadyGeek wrote:
Sun May 03, 2020 11:32 am
The Death of Stalin, on Netflix. Dark comedy, indeed. The only thing I could think of was "Dr. Strangelove". It was worth watching.
I thoroughly enjoyed this as well. It embodied "dark comedy". Really enjoyed the Nikita Khrushchev character.
by travellight
Sat Apr 04, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

It's the clever one. I am a fan.
by travellight
Sat Apr 04, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20128

Re: What are you doing for haircuts due to coronavirus shutdown?

I am a woman and have been cutting my own hair for about 20 years now. My hair is very long so it is easy. I get compliments on it all the time and I love all the money I have saved.
by travellight
Sat Apr 04, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

I really enjoyed watching the spy with Sacha Baron-Cohen on Netflix. This is different from London spy which I have not watched yet.
by travellight
Mon Mar 30, 2020 2:18 pm
Forum: Personal Investments
Topic: sell-all and wash sale rule question
Replies: 39
Views: 2090

Re: sell-all and wash sale rule question

Thanks so much, iceport.^
by travellight
Mon Mar 30, 2020 12:34 pm
Forum: Personal Investments
Topic: sell-all and wash sale rule question
Replies: 39
Views: 2090

Re: sell-all and wash sale rule question

Just a question for clarification of details: I bought vbr on 3/5 in one bank's account and again around 3/10/20 in a different bank's account (all taxable accounts, not 401k/IRA). I sold all the vbr in the second account which had been purchased on 3/10/20. I have not bought any more vbr but forgot...
by travellight
Tue Mar 24, 2020 2:52 pm
Forum: Personal Investments
Topic: Hoping for help on first tax loss harvesting scenario
Replies: 13
Views: 606

Re: Hoping for help on first tax loss harvesting scenario

Just remember you’re not getting out of paying taxes, you’re reducing taxes now to pay more later... I thought that you are getting out of paying taxes on capital gains that you would've without the offset of the loss? Of course, the hope is that the replacement choices grow tremendously and create...
by travellight
Tue Mar 24, 2020 2:45 pm
Forum: Personal Investments
Topic: sell-all and wash sale rule question
Replies: 39
Views: 2090

Re: sell-all and wash sale rule question

Note that if you bought shares in the last 30 days, the brokerage may report an irrelevant wash sale, because it views the transaction as two transactions: Last year, you bought 100 shares at $25. Last week, you bought 100 shares at $30. At 10:00:00.000000 today, you sell last year's shares for $20...
by travellight
Tue Mar 24, 2020 12:29 am
Forum: Personal Investments
Topic: sell-all and wash sale rule question
Replies: 39
Views: 2090

Re: sell-all and wash sale rule question

Note that if you bought shares in the last 30 days, the brokerage may report an irrelevant wash sale, because it views the transaction as two transactions: Last year, you bought 100 shares at $25. Last week, you bought 100 shares at $30. At 10:00:00.000000 today, you sell last year's shares for $20...
by travellight
Tue Mar 24, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

"The Lehman Trilogy" Directed by Sam Mendes and Ben Power. This is a movie that was filmed of a play live on stage in London and is now being shown in smaller theaters by National Theatre Live. "How do you tell an epic story with just three actors and a piano?" I have seen this film twice. It is ri...
by travellight
Sun Mar 22, 2020 3:16 pm
Forum: Personal Investments
Topic: Wash sale rule question
Replies: 16
Views: 563

Re: Wash sale rule question

What if you held the stock or ETF in two different banks? Do you have to sell all of it at the same time in all accounts or can you still tax loss harvest if you sell on different days but ultimately liquidate and sell all holdings of that particular stock or ETF, even if you had bought some recentl...
by travellight
Sun Mar 22, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31224

Re: It's Not Different This Time

... Stay the course. We don't know how deep this bear will go. We don't know when it will end. But we do know two things: # 1 It will end. # 2 Those who continue to follow their reasonable written plan will be glad they did so on the other side of it while those who panicked and sold low will regre...
by travellight
Thu Mar 19, 2020 10:04 pm
Forum: Personal Investments
Topic: sell-all and wash sale rule question
Replies: 39
Views: 2090

Re: sell-all and wash sale rule question

Note that if you bought shares in the last 30 days, the brokerage may report an irrelevant wash sale, because it views the transaction as two transactions: Last year, you bought 100 shares at $25. Last week, you bought 100 shares at $30. At 10:00:00.000000 today, you sell last year's shares for $20...
by travellight
Thu Mar 19, 2020 3:11 pm
Forum: Personal Investments
Topic: Is there any reason to NOT tax loss harvest?
Replies: 26
Views: 1590

Re: Is there any reason to NOT tax loss harvest?

Also looking for clarification here, if I bought a stock within the past 30 days and decide to sell all holdings of that stock going back two years, is the wash sale problem only applicable to the recent portion that was bought within 30 days? Do I still get the benefit of tax loss harvesting for th...
by travellight
Thu Mar 19, 2020 1:22 am
Forum: Personal Investments
Topic: I am 16, Bogleheads help me be rich one day
Replies: 114
Views: 7880

Re: I am 16, Bogleheads help me be rich one day

I think you are off to a great start already. In general, maximize your Roth IRA and I would be aggressive in my asset allocation. I think I was 100% equities until the age of 40 because it was money I didn’t need and I had time to recover. Invest in your education or whatever it takes to maximize y...
by travellight
Thu Mar 19, 2020 1:13 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12793

Re: 2020 COVID Crash Lessons

Some things you kind of have to experience to fully appreciate and learn. I'm not a fan of knee-jerk reactions, but I'm seeing a few things that are changing my thoughts on a few things and will likely lead to some small changes down the road. 1) Asset Allocation I'm actually ok with my retirement ...
by travellight
Thu Mar 19, 2020 1:04 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12793

Re: 2020 COVID Crash Lessons

You should be using VLGSX up 8.08% YTD. :D Why is this so high? What is the downside to this holding? Long-term treasuries have gone up because they're a haven in terms of credit risk and because they go up when interest rate expectations drop. The downside is that they could someday crash if inter...
by travellight
Thu Mar 19, 2020 12:53 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12793

Re: 2020 COVID Crash Lessons

I still don’t understand this, or how to assess it when selecting bond funds. Any help would be appreciated. The gold-standard (no pun intended) for liquidity in fixed income (and probably any asset class) in the world is U.S. Treasuries. Everything else gets measured by that standard. Municipal bo...
by travellight
Thu Mar 12, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633639

Re: U.S. stocks in free fall

I sold my small caps in taxable to tax loss harvest and will buy back over time. Didn’t sell anything in 401k or Roth’s.
by travellight
Tue Mar 03, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: How did you TLH during this correction?
Replies: 65
Views: 3502

Re: How did you TLH during this correction?

I sold ijs and bought more vbr.
by travellight
Fri Jan 03, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

madbrain wrote:
Mon Dec 30, 2019 7:34 pm
Uncut gems in the theater on Saturday. The pace of the movie is frenetic. The key characters are very unsympathetic. I can't understand what the critics were thinking on this one. Skip it.
Totally agree!
by travellight
Tue Oct 22, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

Joker - excellent movie IMO. Great acting, cinematography and score If I generally can't stand Joaquin Phoenix, will I be able to enjoy "Joker" or should I just skip it altogether (as is my instinct)? If thats true, I'd probably tell you to avoid it. I dont love or hate him but I thought his perfor...
by travellight
Tue Aug 13, 2019 12:47 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 81
Views: 12826

Re: New Orange County, CA Local Chapter established

I will attend if I am in the area.
by travellight
Mon Aug 05, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897525

Re: What's Your Credit Card Rewards Strategy?

Chase UR Order of Ops: (General order YMMV) 1. International premium classes 2. Hyatt 3. International basic fares 4a. CSR travel portal (1.5x) 4b. Domestic air 6. CSP portal (1.25x) 7. Cash out 8. Marriott Never. IHG, Amazon, other retailers where on the list is transfer of miles to travel partner...
by travellight
Sun Jul 14, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 22
Views: 3304

Re: Geico subrogation claim

TropikThunder wrote:
Sun Jul 14, 2019 5:22 pm
This scenario is why those who advise not to tell your own insurance company are so misguided.
What do you mean?
by travellight
Sun Jul 14, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 8194

Re: I think i can spend 30k on this vacation, but wife not sure

I don’t think I have ever spent more than $5000 on a trip and I have a higher income. It may be a psychological barrier. I also would only want to fly there business class though.
by travellight
Sun Jun 30, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4786

Re: New Landlord Here! Your Top Tips to include in a Lease?

If you have several tenants in one unit, make sure they are responsible jointly and severally. I prefer a late fee that is accrued daily. If you impose a lump sum after certain date, they may then not pay until the end of the month if there is no further consequence for waiting. This is from my leas...
by travellight
Sat Jun 29, 2019 9:07 pm
Forum: Personal Investments
Topic: 8 figure net worth, still winging it, asset allocation advice?
Replies: 30
Views: 4052

Re: 8 figure net worth, still winging it, asset allocation advice?

With as much as you have and as much as you spend, I don’t know why you’re thinking of selling your house... you have won the game and could keep the house if you can reduce the spend a bit. I have a similar net worth (with different components) and while I had always thought of my home as a nest eg...
by travellight
Fri Jun 28, 2019 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4500

Re: Tenant identity theft issue on lease

My dad's a landlord and I rent a lot from old grizzled landlords. You made a few obvious errors. 1. You should hold out for good credit. 650+ minimum. Yes people get desperate and your realtor (who is hungry for 1st month's rent cash) will tell you to hurry up and rent already, EVERYONE here has te...
by travellight
Fri Jun 28, 2019 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3771

Re: Landlords - assessing amount security deposit to return?

I did charge tenants for light bulbs once. They had 16 burned out bulbs and, since I am a remote LL, I had to pay the local handyman to check every fixture, drive to the hardware store, buy the bulbs and replace them. 1-2-3 light bulbs, no, but 16 in easily reached fixtures was too much. These same...
by travellight
Thu Jun 27, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 84
Views: 9297

Re: Churning Credit Cards

I think it is a very rewarding hobby. It’s harder than it used to be many years ago but it is still worthwhile to me
by travellight
Sat Jun 15, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

Out of curiosity, how state-of-the-art is your home viewing setup? I ask, because in the past n years, tremendous strides have been made there also. I no longer go to movie theaters, and wonder if I’m missing something; that said, my home theater is leagues better than it was 10 years ago. It had b...
by travellight
Sat Jun 15, 2019 9:38 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 24511

Re: How have your homes as investments done?

I’m kind of surprised more bogleheads weren’t able to capitalize on the must depressed real estate prices in generations. I already owned 2 personal homes and bought 6 more homes during the dip as rental property. I also was surprised others weren’t as keen on it even if they had the financial mean...
by travellight
Sat Jun 08, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 10988

Re: Do you carry Umbrella Insurance?

I carry about 25% of net worth. It’s the sweet spot for a good deal.
by travellight
Fri Jun 07, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3827

Re: Refrigerator Advice

I am also shopping for a new refrigerator, although I think I will try to change out the evaporative motor fan first. I think the top freezer is likely the safest option.
by travellight
Thu Jun 06, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8862

Re: What flagship (even used) item is better than a budget new item?

Quality over cheap? Fresh squeezed orange juice.

+1 on Nespresso as well.
by travellight
Sun Jun 02, 2019 5:28 pm
Forum: Personal Investments
Topic: What percent of your assets do you have in investment property (excluding your personal residence)?
Replies: 73
Views: 3822

Re: What percent of your assets do you have in investment property (excluding your personal residence)?

37% of net worth in investment real estate.
Primary home is an additional 29% of net worth.
Vacation home is another 10.5%.
So, about 76.5% total in real estate.
by travellight
Sun Jun 02, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What personal finance metrics do you track?
Replies: 44
Views: 3780

Re: What personal finance metrics do you track?

I only track net worth and I use mint dot com. I do details on every transaction in mint for annual review. I also check credit card spending each year. I also check how my investment portfolio is doing monthly.
by travellight
Sat Jun 01, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351138

Re: What Movie Have You Recently Watched?

Please post what you thought of the movie rather than list what you have seen (see first post).

I recently saw Booksmart and was very entertained. Not an artsy movie but lots of laughs in the audience. Directed by Olivia Wilde. Beanie Feldstein stole the show; she is sister of Jonah Hill.
by travellight
Sat Jun 01, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11503

Re: How did you all do in the month of May, 2019

Up 1.4% as of 5/28, I think that went down to up 0.4% as of today though. It was a TLH rebuying opportunity. Many limit orders went through.
by travellight
Fri May 31, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 42241

Re: For those who earn $500k+ per year. How'd you do that?

Healthcare subspecialty just over 500 plus extra 140k from real estate as side gig. This is one person income.
by travellight
Fri May 31, 2019 3:25 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6648

Re: Women, How Much Do You Pay for Haircut

I also cut my own hair and do my own nails so total cost is zero. Every 1-2 years, I donate my hair to locks of love and then grow it out again. I get compliments several times a week on my hair so I am not suffering from the lack of expenditure. My hair is long and low maintenance though.
by travellight
Fri May 17, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 129
Views: 9343

Re: Did you buy the 600+ dip last week ?

Sounds like you lost out then. Prices were still higher than 30 days after the dip. The BH approved way to TLH is a sideways TRANSFER into a similar but not identical fund... Yeah edited my comment. Even if his TLH plan normally calls for holding cash for 30 days to avoid a wash sale vs putting it ...
by travellight
Thu May 16, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 129
Views: 9343

Re: Did you buy the 600+ dip last week ?

Yes I did. How long had you been waiting to do so? All year. I had sold for tax loss harvesting in the end of 2018 and didn't rebuy and was waiting for a dip. I had placed limit orders for a tolerable price for me and this opportunity activated them to go through. I still have some open limit order...
by travellight
Fri May 03, 2019 2:39 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 145
Views: 22024

Re: Do you invest in Real Estate ? Why ?

I have 6 sfr homes in another state that I manage while having a successful full time job with high income. I have tracked my net worth go up by more than my annual income at my day job with real estate appreciation contributing to this. I don’t mind the work for the high reward. The houses are in S...