Search found 2775 matches

by travellight
Tue Jan 15, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10144

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: Investing - Help with Personal Investments
Topic: Does anyone have entire 401K in bonds?
Replies: 52
Views: 4728

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: Investing - Help with Personal Investments
Topic: Real estate as part of overall investment plan
Replies: 37
Views: 2599

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: 3175
Views: 615916

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: 903
Views: 232817

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: 90
Views: 10144

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: 90
Views: 10144

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: 1936

Re: NYC restaurant hidden gems?

Kiki’s LES for moussaka

Decoy for Peking duck
by travellight
Sat Jan 12, 2019 11:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 578
Views: 69231

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: 3384

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: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8081

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: 3175
Views: 615916

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: 5221

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: 46080

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: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 59
Views: 6526

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: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 59
Views: 6526

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: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 59
Views: 6526

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: Investing - Help with Personal Investments
Topic: Cash Flow From Real Estate - Personal Advice on Beginning?
Replies: 18
Views: 1664

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: 4044
Views: 1101389

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: 4044
Views: 1101389

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: 9567

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: 4044
Views: 1101389

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: 3141

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: 3141

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: 4044
Views: 1101389

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: 50893

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: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3988

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: 4044
Views: 1101389

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: 4044
Views: 1101389

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: 714
Views: 92111

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 ...
by travellight
Sun May 20, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 615916

Re: What's Your Credit Card Rewards Strategy?

An FYI for those responding in comments on the IHG card changes.... My research appears to show that those of us with the existing IHG card will be grandfathered in with the annual fee at $49 and it won't go up. The only change we have is that going forward, the free night is limited to hotels at 4...
by travellight
Sun May 20, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 615916

Re: What's Your Credit Card Rewards Strategy?

An FYI for those responding in comments on the IHG card changes.... My research appears to show that those of us with the existing IHG card will be grandfathered in with the annual fee at $49 and it won't go up. The only change we have is that going forward, the free night is limited to hotels at 40...
by travellight
Wed May 16, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 615916

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on IHG devaluing the free night to just those under 30,000 points and I think the annual fee is going up to $89 from $49? Also, thoughts on changes with SPG starting 8/1? should you convert your spg miles before then? I'm okay with the IHG devaluation. 30k points is still a good deal i...
by travellight
Wed May 16, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 615916

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on IHG devaluing the free night to just those under 30,000 points and I think the annual fee is going up to $89 from $49?

Also, thoughts on changes with SPG starting 8/1? should you convert your spg miles before then?
by travellight
Mon May 07, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 19182

Re: What Percentage CASH are you?

1.7% currently.
by travellight
Sun May 06, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4044
Views: 1101389

Re: What Movie Have You Recently Watched?

The Quiet place. It was very good. I didn't even want to see it because I don't like scary movies but it was very well made.
by travellight
Thu May 03, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2369

Re: Real Estate Commissions - How Negotiable?

Another option might be to consider a flat fee listing agent that will get it on the MLS. These services offer various packages including photos, lockbox service, etc. at various price points. It also shields you from being bombarded by agents calling you trying to get your listing which will happe...
by travellight
Fri Apr 20, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 50893

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

SrGrumpy wrote:
Thu Apr 19, 2018 8:20 pm
If you join now, you will be limited to 4 movies per month, according to Dr. of Credit.
Yikes, what a huge change! Are prior members grandfathered in to one per day?
by travellight
Mon Apr 02, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 615916

Re: What's Your Credit Card Rewards Strategy?

I've used the cards discussed many times over by people in this forum. I've read a smattering and the only card I use that I haven't seen is the Alliant Visa Signature card as the "default" card. I've seen the Citi 1%/1% card and the Fidelity 2% card used for this but the Alliant Signature Visa car...
by travellight
Sat Mar 31, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 78438

Re: Picking College and College Scholarships

My friend’s daughter got word today of being accepted at Stanford...after having been rejected by USC, Pomona, Grinnell. Her only other acceptance was UIUC which she was resigned to attending. Then Stanford came calling. What a day. Yes, the process is interesting, if only for it's real or perceive...
by travellight
Sat Mar 31, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4044
Views: 1101389

Re: What Movie Have You Recently Watched?

Saw "The Death of Stalin" earlier this week. There are a few slow spots and sometimes the near slapstick comedy doesn't quite work, but despite the flaws this is a really good movie. The combination of absurd comedy and deadly horrific actions keeps one totally engaged in this story. You don't know...
by travellight
Sat Mar 31, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4044
Views: 1101389

Re: What Movie Have You Recently Watched?

I just watched Black Mass (movie about Whitey Bulger). I would not consider it a great gangster movie like Goodfellas or the Godfather but it was a compelling movie since it was a case study in how truth is stranger than fiction. AND Johnny Depp (believe or not) was terrifying as stone cold psychop...
by travellight
Sat Mar 31, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 78438

Re: Picking College and College Scholarships

My friend’s daughter got word today of being accepted at Stanford...after having been rejected by USC, Pomona, Grinnell. Her only other acceptance was UIUC which she was resigned to attending. Then Stanford came calling. What a day. Yes, the process is interesting, if only for it's real or perceive...
by travellight
Wed Mar 28, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 78438

Re: Picking College and College Scholarships

I heard decisions are coming out tonight.... keeping my fingers crossed for you!
by travellight
Mon Mar 26, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2278
Views: 398683

Re: What are you up YTD? [Year To Date]

net worth is up 3.6%, investment portfolio is down 1.95% ytd.
by travellight
Mon Mar 26, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax and backdoor Roth IRA error?
Replies: 10
Views: 4208

Re: TurboTax and backdoor Roth IRA error?

I find all of the tax software tricky in handling the back door roth ira. I have to go through many machinations to get it to look right.
by travellight
Mon Mar 26, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 3402

Re: Help with Tax Loss Harvesting

Earl Lemongrab wrote:
Sun Mar 25, 2018 6:09 pm
travellight wrote:
Sun Mar 25, 2018 3:41 pm
I am just learning about tlh. Can this be done in all accounts, such as taxable, Roth IRA, and 401(k)?
Not in tax-advantaged accounts. There are no capital gains or losses there. That's why you want to avoid wash sales in there because you can't transfer the basis.
Thanks Earl!
by travellight
Sun Mar 25, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 3402

Re: Help with Tax Loss Harvesting

I am just learning about tlh. Can this be done in all accounts, such as taxable, Roth IRA, and 401(k)?
by travellight
Sat Mar 24, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4044
Views: 1101389

Re: What Movie Have You Recently Watched?

I saw Tomb Raider last night; very formulaic and unremarkable. I don't recommend it.