Search found 2669 matches

by travellight
Sun Dec 03, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 918708

Re: What Movie Have You Recently Watched?

Lady bird: enjoyable, but my expectations were so high that it was hard to match the expectations. Some great lines in it... Thor: a really fun romp. Thoroughly entertaining and much more so that its predecessor. I would credit the new director and his New Zealand sense of humor. Murder on the orien...
by travellight
Thu Nov 30, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3931

Re: Luggage Update for Travel

My name is a clue to my preference for travelling light. I think I could even compete with livesoft's Hawaii story. I went for a weekend trip to Arizona wearing just my swimsuit and a skirt. I also went around the world by myself for 6 weeks with the equivalent of a gym bag. I don't do such extreme ...
by travellight
Wed Nov 29, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2874

Re: Don't leave your mac unattended! It has zero security now.

does this update automatically or does one have to do something to get the patch?
by travellight
Mon Nov 27, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 8078

Re: Too much house, right?

950k seems very expensive for Utah. I would be very cautious about this.
by travellight
Mon Nov 27, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5542

Re: Etiquette question: Paying for meals out & out of town guests

It depends on the purpose of the visitors. When the visiting is for the purpose of relationship maintenance, the host usually pays for everything as the visitor has incurred travel costs. When the hosting is due to the visitor wanting to explore the area and the location is the primary motivation an...
by travellight
Tue Nov 21, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2881

Re: LED Lightbulbs - Recommended Brands

I like Phillips best for being most like incandescents. I haven't tried their newest budget model yet, but it is very incandescent like and quite interesting. First of all, because they're one of the lowest power 800 lumen bulbs I've seen at 7 Watts. Secondly, because instead of the normal design o...
by travellight
Tue Nov 21, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2881

Re: LED Lightbulbs - Recommended Brands

I like Phillips best for being most like incandescents.
by travellight
Sun Nov 19, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Which BoA Credit Card to use?
Replies: 24
Views: 1822

Re: Which BoA Credit Card to use?

Thank everyone! I've never played the miles/travel game. Probably should now that our family is taking 4-8 individual round trips per year? I'm not a super optimizer, so will probably just stick with the BoA Cash Rewards for now. One card simplicity is key, I'm okay with apple paying for crap at th...
by travellight
Sun Nov 19, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 1261

Re: Bank of America Premium Rewards card

I also had an easy experience. I don't know if I am getting 1.65 or 2.65x. I put 200k in ME but don't have a ME credit card.

I don't like BofA web interface. It's not easy to set up autopsy on credit cards.
by travellight
Sat Nov 18, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15379

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

I wonder if it still works if you show up and use the car when app is down?
by travellight
Sat Nov 18, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15379

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

mnnice wrote:
Sat Nov 18, 2017 8:58 pm
I got a MoviePass about 10 days ago. I have seen 3 movies since. The app appears to be down tonight which bums me out as DS and I were going to go to Justice League.
I was bummed too. I wonder if this is the first sign of trouble.

I saw Thor in 2d and loved it.
by travellight
Sat Nov 18, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 5048

Re: Do you include the sale of your home as part of your retirement planning?

I had always factored it in but recently am inclined to keep it. My heir would inherit it at its new basis and I am loathe to pay the tax on the gains.
by travellight
Fri Nov 17, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15379

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

I signed up for it. I have already seen 4 movies since I started this on 10/24. Also, movie season is coming up with the Oscar contenders being released. I only have to see 6 movies to break even so that means 2 more movies in the next year. I plan to enjoy this while it lasts.
by travellight
Tue Nov 14, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3700

Re: Borrowing from parents - what interest rate?

I did this many years ago, only because my mom offered and wanted me to and I was sure I could pay it back within 2 years. I got my own mortgage but borrowed some money for the down payment. I paid her back in 2 years with about 8% interest, lump sum. I wouldn't borrow from friends of family if ther...
by travellight
Mon Nov 13, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 3722

Re: Upgrading a flight - what are your rules?

I would definitely pay for that upgrade. I don't have specific rules but I can do economy for around 2 hours or less. More than 4 hours and I would be willing to pay up to about $200. International travel, I prefer business class. I would pay up to $2500 per person for that.
by travellight
Mon Nov 13, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3579

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

So, comparing the Moto G5plus available for $170-224 versus the Huawei mate 9 at $399, is the Huawei that much better for almost twice the price? Moto G5+ seems to be lacking in camera function in low light from my initial research and a great camera is important to me. I wonder if any current Moto...
by travellight
Mon Nov 13, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3579

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

So, comparing the Moto G5plus available for $170-224 versus the Huawei mate 9 at $399, is the Huawei that much better for almost twice the price? Moto G5+ seems to be lacking in camera function in low light from my initial research and a great camera is important to me. I wonder if any current Moto ...
by travellight
Mon Nov 13, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3579

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

T mobile is GSM and that phone is GSM only so it should work. I don't know if the camera on it fits your criteria though. iPhone SE is for sale new for $400 or subsidized in the $100 to 160 range and may fit your needs camera wise if you are okay with iOS. It is basically a iPhone 6 in a smaller bo...
by travellight
Mon Nov 13, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question about procedure and timeline sequence
Replies: 5
Views: 579

Re: Backdoor Roth question about procedure and timeline sequence

You should be able to do that. I did the transfer to my 401k in early December and it went fine. It was 12/6/13 for me. I spent the two months before thoroughly researching it. I did the contribution and transfer in the same year.
by travellight
Sat Nov 11, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3579

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Huawei Mate 9 is now $399 at Amazon and Best Buy. Best phone I've ever had - previously had Galaxy Note. It is unlocked, so you can change to carrier of choice anytime. Dual SIM's for international travelers. Leica dual lense camera is a bonus. Fab pix. Phone will not work with Sprint, Verizon, Boo...
by travellight
Sat Nov 11, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16813

Re: Flying first class, business, versus economy.

I really really hate economy on long flights. But I really really hate the price of first-class and business. This is a very difficult problem for me. My wife wants to go to Europe every couple of years, and I don't want to go, almost purely because the flight is pure torture for me. In fact, she a...
by travellight
Sat Nov 11, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4141

Re: Septic tank - deal killer?

I have two homes with septic. My vacation home has never been pumped in 25 years and I have seen no problems. However, it has low usage. My primary home has been pumped three or four times in the 25+ years that I have been there. I have not been careful with avoiding grease or food products or anyth...
by travellight
Sat Nov 11, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11080

Re: Tipping for restaurants where you order at the counter

I also hate the tipping system for all the absurdities already listed. Danny Meyer in NYC (of Gramercy Tavern, Union Cafe, Shake Shack, etc.) has started an anti-tipping movement. He pays all his employees a good wage and there is no tipping at his restaurants. The price you pay for your meal includ...
by travellight
Sat Nov 11, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11080

Re: Tipping for restaurants where you order at the counter

The tipping culture is definitely a bit untethered to any sensible standard of compensation. Correct me if I'm wrong, but workers' wages at counter-service restaurants are at least minimum wage. When I worked as a waiter, the base rate was below minimum wage, making me dependent on tips. I busted m...
by travellight
Fri Nov 10, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 13219

Re: Why make more money?

Lets just assume that you are healthy and financially OK. You have have 30x expenses in investments plus whatever socials security will eventually give you in some distant future. You have no debt and the kids college is covered. You don't live extravagantly, but you have enough to travel, eat out,...
by travellight
Thu Nov 02, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15422

Re: What was the main reason you retired?

also #10, pension is irresistible. I would get 50% of my income as pension right away so I could work part time at 50% after retirement and end up making my full income. Same income, half the work.
by travellight
Tue Oct 31, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 22
Views: 1771

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

As one data point, I use mint and had two events several years ago in two different bank accounts where fraudulently activity took place; basically, funds were moved from my bank account to some credit card account the fraudsters used. The amounts were $12,000 to 20,000$.The recipient credit card co...
by travellight
Tue Oct 31, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 421163

Re: What's Your Credit Card Rewards Strategy?

Thanks for all the helpful responses to my prior question. I have another one: thinking of getting Delta platinum card which comes with 10k qualifying miles to help me make the next Skymiles level. Delta says that miles are credited 6-8 weeks after minimum spend. If I want the MQMs to be counted as...
by travellight
Tue Oct 31, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 421163

Re: What's Your Credit Card Rewards Strategy?

For California residents to get a companion pass after making only 1 purchase... https://creditcards.chase.com/a1/southwest/PlusCali?CELL=6G9Z&clk=HOMEPROMO2_CHASECPMEM171019 the offer details state: Only the individual who received this email/offer from Southwest Airlines® is eligible for this pro...
by travellight
Tue Oct 31, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1065

Re: MacBook Maintenance/Improvement - Running Slow

^ thanks for all the tips! Interesting new stuff to learn...
by travellight
Tue Oct 31, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 421163

Re: What's Your Credit Card Rewards Strategy?

Thanks for all the helpful responses to my prior question. I have another one: thinking of getting Delta platinum card which comes with 10k qualifying miles to help me make the next Skymiles level. Delta says that miles are credited 6-8 weeks after minimum spend. If I want the MQMs to be counted as...
by travellight
Tue Oct 31, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1065

Re: MacBook Maintenance/Improvement - Running Slow

When my old Mac does this - I open a cmd tool/console (unix command line) - and simply type 'top' Then look at the top list of high CPU processes and google each of them - you might find something running or enabled that is causing your issue. I tried this and got this result and don't know how to ...
by travellight
Tue Oct 31, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3566

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

I like Boots number 7, for very dry skin, spf 15 or 30. I get it at some Walgreens.
by travellight
Mon Oct 30, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15379

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

got an email today about changes in terms and conditions: MoviePass reserves the right to change the rules of movie-going attendance and ticket availability to members in connection with the Service at anytime. MoviePass reserves the right to change from time to time the number of eligible movies a ...
by travellight
Mon Oct 30, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1065

Re: MacBook Maintenance/Improvement - Running Slow

I recently called Apple and they helped me install malwarebytes which is now protecting my Macair laptop. Did you delete your browsing history and restart your computer? Those are the only maneuvers I know.
by travellight
Sun Oct 29, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18870

Re: Early-retired 35 year old with $1 million

Right now, your human capital is far larger than your investment capital. Retiring throws the human capital out the window and forces you to rely on the investment capital. Don't underestimate how difficult it can be to get back in the labor market. Congratulations on where you've gotten so far, bu...
by travellight
Sun Oct 29, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Chase Private Client brokerage account
Replies: 12
Views: 3710

Re: Chase Private Client brokerage account

I have a few more questions about Chase's self-directed brokerage account which I can find very little information about online: 1) Does it operate like a standard brokerage account where you have a cash balance and can buy mutual funds and ETFs from that balance? mine just draws from my checking 2...
by travellight
Sun Oct 29, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 492
Views: 46621

Re: Picking College and College Scholarships

what? Applying to 20 schools? His teachers must love him to write that many recommendation letters! Yes, so far so good. There were only a couple of schools that required "special letters" so it wasn't so bad. That ... and ... we volunteer a lot at the school ... so not hesitant to "call in a favor...
by travellight
Sun Oct 29, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: What strategies do you use to manage risk in your portfolio?
Replies: 21
Views: 1299

Re: What strategies do you use to manage risk in your portfolio?

I have 1.5% in cash, 15% in investment portfolio and about 80% in real estate. My investment portfolio is only 10% bonds. I have a very good pension which allows me to take more risk in my investment portfolio. I manage risk by using LLCs for each property/business; I have 6 LLCs. I also maximize my...
by travellight
Sat Oct 21, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Questions for Landlords - How clean is clean?
Replies: 37
Views: 2311

Re: Questions for Landlords - How clean is clean?

sport wrote:
Sat Oct 21, 2017 11:35 am
Offer her this deal: If she stops bothering you about cleanliness, you will not report her to the IRS for tax evasion.
hmmm, there may be something there, lol. Or, release you from the final month...
by travellight
Mon Oct 16, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7615

Re: What are you driving? And would you buy your current ride again?

Riley15 wrote:
Mon Oct 16, 2017 1:38 pm
Talk about confirmation Bias! Have not seen one reply that they would not buy the same car again. Maybe it is about wanting what you have.. :happy
I posted on my Kia borrego, no.
by travellight
Mon Oct 16, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7615

Re: What are you driving? And would you buy your current ride again?

What's the purpose of this thread? So far, it simply proves that people like vehicles that they have paid tens of thousands of dollars for, from a Civic to a Camry to a Wrangler to a BMW to a Hummer. Confirmation bias probably at work. Though I'll grant that most vehicles are quite nice these days....
by travellight
Sat Oct 14, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

Thanks Celia! I think I have it mostly okay now. For some reason, lines 8-12 are blank but lines 16-18 are just as you have outlined and the net result is satisfactory.... Several of the tax software programs produce no entries on lines 6 through 12. This is alarming at first, but OK. You get to th...
by travellight
Fri Oct 13, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

I had problems initially with TurboTax too. When I erased the previous forms and started over by reporting the contribution first, and then the 1099 conversion later, it filled in the 8606 correctly. But it was key to have worked through the 8606 on paper first, to see what TT did wrong. I knew I w...
by travellight
Thu Oct 12, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

For some reason, lines 8-12 are blank but lines 16-18 are just as you have outlined and the net result is satisfactory: I'm following along and finding this thread quite helpful. I just wanted to say that my old 8606s done with Turbotax are the same way. Interesting. Yes, I tried all 3 of the big p...
by travellight
Thu Oct 12, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

Thanks Celia, you are an angel!!! I really appreciate your help in this process.
by travellight
Thu Oct 12, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

Thanks a lot. Now I see what went wrong. When you answered "Enter the total of all nondeductible contributions that were made to XXXXs traditional IRAs in all years prior to 2016 less any withdrawals or distributions of nondeductible contributions in those years.", you should have answered 0 , inst...
by travellight
Wed Oct 11, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

Here are some instructions on how to enter the Backdoor Roth IRA information using TaxAct: https://thefinancebuff.com/how-to-backdoor-roth-taxact.html The taxable amount of the conversion ends up on line 15 of Form 8606, and is then carried over to line 15b on the Form 1040. But line 15b can includ...
by travellight
Wed Oct 11, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with back door roth ira on taxact
Replies: 24
Views: 1542

Re: Problem with back door roth ira on taxact

We don't have enough information. Let's start with this: 0. Are you filing as Married Filing Jointly or as Single? If you are filing as MFJ, give all answers for both of you. 1. Were you 50 or older on 12/31/2016? Also, were you at least 59.5 on the date you withdraw the $21.54? Did you enter your ...