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by Diogenes
Fri May 22, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Traveling Insurance
Replies: 6
Views: 351

Re: Traveling Insurance

If by travel insurance you are talking about medevac, I highly recommend Medjet Assist. I don't work for them, but have their Expat policy as I live overseas. I know several persons that they brought back due to serious accident or illness. Unlike some competitors, they will bring you back to a plac...
by Diogenes
Sun May 17, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27997

Re: Will you buy an Apple Watch?

I own many Apple products, because they make my life better. But the Apple Watch? Don't think so. I can't see a real man wearing one. I'll wait for the iCar... One has to be self assured in their respective gender. Go for the Tesla, no need to wait for iCar. Just get in dark color if any identity i...
by Diogenes
Sun May 17, 2015 1:12 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27997

Re: Will you buy an Apple Watch?

I own many Apple products, because they make my life better.

But the Apple Watch? Don't think so. I can't see a real man wearing one.

I'll wait for the iCar...
by Diogenes
Fri May 08, 2015 2:11 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19663

Re: much ado about coasting (through life)

It sounds as if the OP has been reading one of Ernie Zelinski's books, such as http://www.amazon.com/The-Joy-Not-Working-Overworked/dp/1580085520 It's an entertaining read. However at 33 and not FI, what you are talking about was merely called 'loafing' by a previous generation. Of course, everyone ...
by Diogenes
Sun Apr 19, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3190

Re: noise-blocking headphones

Another thumbs up for Bose. They are indispensable on long flights, been using them for years. Couple of years back the plastic head piece broke. Bose sent me a new pair.

_D_
by Diogenes
Sat Apr 18, 2015 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8974

Re: Am I part of the problem??

I too work in one of those firms. I have no moral problem with it. I know plenty of people who told me "I don't want to learn about investing and don't want to think about it". They can leave their money in a bank account, or they can hire someone to do this for them. I have converted clo...
by Diogenes
Fri Apr 17, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2805

Re: Help Evaluating Federal Job Offer

Benefits will not mean much if you don't like going to work. Make sure that the job excites you more than your current position, and you intend to stay in for the long haul. I've seen many government workers who were just marking time until retirement, even while in their 30's. Thats a waste of a li...
by Diogenes
Thu Apr 09, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 16435

Re: The $1 Million Goal: Source of Motivation or Discouragem

I'm going to have to disagree with the assessment that this is "hardly undoable." Our household earning is $30k a year. Can't save $20k like that. And there's no way SS will pay us $30k a year, or any "massive chunk," really. Yeah, sounded pretty out of touch, didn't it. I'm goi...
by Diogenes
Sat Apr 04, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: High income help - [Will marriage help reduce taxes?]
Replies: 29
Views: 2807

Re: High income help - [Will marriage help reduce taxes?]

All, I have posted before when I first got my new job and received excellent advice on my savings accounts and allocations. I haven’t saved as aggressively as I was planning for several months but for the past few months I am getting back to my original plans. However, I now have new questions base...
by Diogenes
Wed Apr 01, 2015 5:17 pm
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 25
Views: 2558

Re: Need a new sub-forum for guns?

Since someone mentioned cars and guns together, here are differences. Most people here own a car. But only less than half the US population owns guns. I do not realize that cars have been used in planned mass murders, though guns have. Cars are not a political issue, but owning/using guns is. I don...
by Diogenes
Mon Mar 30, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: $1.5M in 401K. What to do with it at retirement?
Replies: 15
Views: 4495

Re: $1.5M in 401K. What to do with it at retirement?

It really depends on the rest of your financial picture. 1.5 with no other major income stream (i.e. Pension) and significant expenses is a world away from not needing the extra income.

_D_
by Diogenes
Sat Jan 10, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: Thinking about retirement - it's depressing
Replies: 80
Views: 8955

Re: Thinking about retirement - it's depressing

If you are 38 and thinking about retirement, you have the wrong profession. Life is not about the rush to retirement, it's about doing something fulfilling along the way. Those that are consumed or depressed with the thought of retirement at 38 likely haven't found that fulfilling thing. Likewise pe...
by Diogenes
Sat Nov 15, 2014 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal GO Prepaid Card: travel abroad
Replies: 5
Views: 851

Re: Navy Federal GO Prepaid Card: travel abroad

Unnecessary to be this afraid. I live overseas and use my atm debit card to obtain cash frequently. NEVER walk into a bank overseas to get a cash advance. You will get hit with fees on both ends, a poor exchange rate, and depending where you are it may be impossible to get an advance that way anyway...
by Diogenes
Sat Nov 15, 2014 4:46 am
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 8148

Re: Real estate as my "million dollar idea"

There are folks who swear by real estate and others that have another way to make a living. Don't be swayed unduly by the real estate proponents here or elsewhere, you must decide if your time is best spent in this fashion. It is not a substitute for the normal BH approach to investing, or a shortcu...
by Diogenes
Fri Nov 14, 2014 4:07 pm
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 8864

Re: Is buying organic worth it financially in the long term?

The reason there is so much disinformation surrounding the ideal diet is that, beyond what we already know for sure, the scientific method is hardly applicable. There is a huge and willing market for healthier food but little actionable knowledge, resulting in a huge industry selling solutions that...
by Diogenes
Thu Nov 13, 2014 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 8148

Re: Real estate as my "million dollar idea"

Having had two properties leased out in the past, I can advise you not to depend on this as a get rich quick scheme. Certainly not as a substitute for maxing out your tax advantaged accounts first. To try after that, fine, if you have the patience. There are too many variables involved, including te...
by Diogenes
Mon Nov 03, 2014 2:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118845

Re: What Movie Have You Recently Watched?

If you don't mind thinking, and have some knowledge of history:

Two Lives (Liv Ullmann)
The Lives of Others

Both very powerful. Very.
by Diogenes
Sat Sep 27, 2014 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax to file for a Foreign Income Exclusion?
Replies: 5
Views: 518

Using Turbotax to file for a Foreign Income Exclusion?

Filing in 2014/2015 tax years for the foreign income exclusion, based on the physical presence test (at least 330 days overseas during a 12 month period). I will also have U.S. pension income during this time and a spouse that has earned U.S. income at our FL residence. It seems complicated in a way...
by Diogenes
Fri Sep 19, 2014 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 89
Views: 10008

Re: You may want to rethink the odds of ever needing LTCi

I just have not seen a LTCI policy that is available now that makes any economic sense. If it is peace of mind of regular payments sought, would not a simple annuity be better? If there are good policies for sale out there, perhaps someone can provide links? A friend bought a policy in their early 5...
by Diogenes
Wed Sep 10, 2014 7:10 am
Forum: Investing - Theory, News & General
Topic: How much do investors care about social impact?
Replies: 32
Views: 1552

Re: How much do investors care about social impact?

Agree that the OP is new and likely here for research or political reasons. Neither have a place on the BH forum, and I don't find it useful to respond to the survey.
'Socially Responsible or Social Impact' are terms based on political opinion.
by Diogenes
Mon Sep 08, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud in South Africa
Replies: 16
Views: 1298

Re: Credit card fraud in South Africa

For persons living outside the U.S. for months at a time, use of an ATM card is essential. Far better than exposing a credit card for every small transaction. Best way to get cash globally, only way in some places. It is not very hard to take reasonable precautions. Specifically, we have an isolated...
by Diogenes
Mon Sep 01, 2014 11:27 am
Forum: Personal Consumer Issues
Topic: US Trusted traveler programs
Replies: 12
Views: 1129

Re: US Trusted traveler programs

If you are only frequently driving into Canada, Nexus is best. However if you fly internationally, Global Entry is well worth it. Global Entry has saved us untold amount of time reentering the States. Also, with Global Entry you will get a Sentri validated card which is good for expedited handling a...
by Diogenes
Sat Aug 16, 2014 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 2739

Re: Europe travel: best card for ATM cash

Nobody uses travelers checks, or exchanges significant cash at a foreign bank. That is passé. Lived 6 years in Europe and elsewhere and never had a problem using an ATM debit card and a no international transaction fee MasterCard or Visa. USAA debit card - all foreign and domestic ATM fees rebated. ...
by Diogenes
Tue Aug 12, 2014 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 11303

Re: What do you put in your safety deposit box?

We have a 'fireproof' lockbox at home, but I wouldn't think for a minute in giving up the safe deposit box. We use the 'fireproof' lockbox as an intermediate stop, or for extra copies of documents or secondary photo backups. Main backup along with things I want my family to know will be around goes ...
by Diogenes
Thu Aug 07, 2014 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2389

Re: [If over 50] Do you prepare for long term care

LTC insurance is like house insurance. You may never need it but will appreciate it if you have to use it. Really? Buying a homeowners policy is much simpler and far cheaper. It is also not as fraught with fine print generally. It is that fine print and low payouts, coupled with unknown and crazy r...
by Diogenes
Sat Aug 02, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 8465

Re: Landlording for long-term wealth? Who's doing it?

After being a landlord to two residential properties for 7 years, I wouldn't do it again. It can work if you are a 'hands-on' type, who doesn't mind all of the headaches of tenants, property managers, HOA, and so on. However, as we lived a long distance away and had other things to do, it was not so...
by Diogenes
Tue Jul 29, 2014 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 35
Views: 3496

Re: POLL: Wills vs. Living Trusts

Not sure where a Credit Shelter Trust fits in.

Living Trusts were overhyped some years ago. Especially since retirement accounts typically should not be placed into them.
by Diogenes
Sun Jul 27, 2014 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3879

Re: Buying a Home - Town permit records don't match disclosu

Buying any home, especially an older one, without a full inspection is foolish. Being an engineer in no way qualifies you to inspect a home. Don't be blinded by your desire for the home unless you have a good deal of extra cash handy and set aside to fix problems. Also don't complain when problems s...
by Diogenes
Sat Jul 26, 2014 11:29 am
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 16468

Re: "Chip" credit card for foreign travel

Chase just sent me a replacement for my Sapphire Preferred card. The new card has a chip, the old one did not. Good thing, as that card is good for extended travels. Unfortunately it is only chip & signature so my true chip & pin cards will get more use in Europe for transportation. Chase to...
by Diogenes
Sat Jul 26, 2014 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2695

Re: Wall Street Journal Subscription Increase

After dealing with this problem a number of times I now pay all my subscriptions by check (I don't do direct debit). It's a little bit more trouble because I have to write a check, get a stamp and mail it. But it put an end to my problem of getting automatically renewed at a much higher rate. The W...
by Diogenes
Wed Jul 23, 2014 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Best Current Credit Card Bonus for $10k Purchase?
Replies: 14
Views: 2148

Re: Best Current Credit Card Bonus for $10k Purchase?

Another to consider is the AA Executive card. I think the minimum spend on the Chase Sapphire is pretty easy w/normal spending, while AA Executive, not so much. $450 annual fee (not waived), $100 statement credit, and 75k miles after $7,500 in spending (down from 100k for $10k spend earlier this ye...
by Diogenes
Fri Jul 11, 2014 1:32 pm
Forum: Personal Consumer Issues
Topic: Best WSJ subscription price help
Replies: 12
Views: 1479

Re: Best WSJ subscription price help

https://magsformiles.com/ It is far and away the cheapest place to get the Journal (1 year 6 days per week for 3200 miles, an equivalent cost of $32-$48), and also Wine Spectator (15 issues for 900 miles, an equivalent cost of $9-$15), depending on how you value your airline miles. For instance, Wi...
by Diogenes
Sun Jun 29, 2014 11:22 pm
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 25053

Re: The Millionaire Next Door: Are You One?

LBYM really has nothing to do with the car you drive. If you drive an older and perhaps less safe and less reliable car as a badge of honor when you don't need to...that is nothing to brag about. If you have everything else in your financial house in order, no bills, don't need to access your retire...
by Diogenes
Sun Jun 29, 2014 3:43 pm
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4924

Re: How many Bogleheads golf?

Played in College and for business reasons later.
Not interested in passing time in that fashion now, have too many other better things to do.

_D_
by Diogenes
Fri Jun 27, 2014 11:04 am
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 16468

Re: "Chip" credit card for foreign travel

I confirmed with USAA yesterday, last year you couldn't,but now you can go online and change it (even for the Black card). Which is why there are discussion indicating that USAA have changed something. You are correct Kayanco, it was changed. Good catch. spoke to a person at USAA today who says the...
by Diogenes
Thu Jun 26, 2014 4:10 am
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 16468

Re: "Chip" credit card for foreign travel

Last July I used my PenFed Visa at rail and bus ticket kiosks in France as well as an unmanned gas station. My French friends told me my American card would not work, but it did. I was prompted for the PIN each time and the transactions went through without a hitch. The only place I did not have a ...
by Diogenes
Sun Jun 15, 2014 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 9072

Re: Are hybrid cars a good idea yet?

I have to drive a car for 109,000 miles just to get to "break even"? That's ridiculous. What if I trade the car before then? What if I wreck the car? What if gas prices drop? What if the car malfunctions and I have to repair it? "I have to wait for 30 years to get money out of my 401...
by Diogenes
Sun Jun 15, 2014 6:32 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 7500

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

UPDATE!!! So I was trying to decide what to do with the car after the engine bearings failed in the car. Sell it in California? Ship it home and sell it? Put a new motor in it? Fix the old motor? I finally decided to ship it back, and after some soul searching and financial analysis, decided to hav...
by Diogenes
Tue Jun 03, 2014 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 33
Views: 46675

Re: No Foreign Transaction Fee, No Annual Fee

I use a State Department Federal Credit Union VISA when traveling internationally. There's no annual fee and no foreign exchange fee. It also has a chip and you can use your PIN. When I was in London recently, I tried using my AMEX, a CapitalOne VISA and my SDFCU VISA all within a couple of hours o...
by Diogenes
Tue Jun 03, 2014 4:22 pm
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1389

Re: What's the latest in credit card offers?

I think the Barclays Arrival card still carries a signup bonus worth $440 towards travel expenses. No annual fee for one year. I've got the Citi Exec card. 100K miles is tough to beat. I've considered going for one of the Citi Honors cards. What are the pros and cons of the alternatives? Ah...$450 ...
by Diogenes
Tue Jun 03, 2014 1:03 am
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5515

Re: Amazon prime - how to get the best out of it?

Probably not going to resubscribe to prime. I don't care about the price increase, but they've almost completely stopped using UPS. Now it's USPS and some other cheap services like Lasership. They almost never deliver within 2 business days, and they sometimes deliver to the wrong mailbox. There ar...
by Diogenes
Sun May 18, 2014 3:43 am
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11824

Re: When did you tell your children how much you had amassed

Vinny, with all due respect....might a little bit of your ego be slipping into your issue? It is very easy for me to stroke my own "self-importance" by calling it something else....like "helping my children see the importance of hard work" when I am actually attempting to build ...
by Diogenes
Fri May 16, 2014 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 4614

Re: UCLA vs USC Decision [Which college to attend]

If we decided on a school only based on cost, we would all go to Fresno State. There is absolutely no doubt that school choice can make a difference starting out in the business world. I am a USC Business School undergrad and I can tell you without any doubt the school reputation got me interviews a...
by Diogenes
Sun May 11, 2014 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why I Don't follow AARP Any More
Replies: 18
Views: 2525

Re: Why I Don't follow AARP Any More

How about AMAC?

https://amac.us/

I'm not a member of either but others have told me AMAC is growing quickly due to the (non) representation of AARP.
by Diogenes
Wed May 07, 2014 2:05 am
Forum: Personal Finance (Not Investing)
Topic: [AP reporter seeks interviews: difficulty saving]
Replies: 21
Views: 2474

Re: [AP reporter seeks interviews: difficulty saving]

I am trying to find people nationwide who know full well how much they need to be putting aside but face difficulties because of legitimate expenses like housing, cars or college. My sense is that this will be just another piece about how hard it is to save after your "necessary" large ho...
by Diogenes
Sat Apr 26, 2014 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Experience as a Government contractor?
Replies: 6
Views: 621

Re: Experience as a Government contractor?

How will you continue your current job and work this additional contract as well? Everybody I know of who works for a private contractor to the federal government, whether for a year-long contract or something else, is an employee of the contracting company, not an IC. I'm sure there are other poss...
by Diogenes
Sat Apr 26, 2014 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Experience as a Government contractor?
Replies: 6
Views: 621

Re: Experience as a Government contractor?

Hayden wrote:Questions to ask:
When does their contract with the USG end?
What happens when their contract ends?


I would have a one year renewal contract, at their option or mine. I doubt I would renew after the year, because I have other things to do but I don't see the need going away.

D
by Diogenes
Sat Apr 26, 2014 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Experience as a Government contractor?
Replies: 6
Views: 621

Experience as a Government contractor?

I have recently received an offer to work overseas for year for a private U.S. contractor that works for the USG. The job is interesting to me but I am not familiar with the typical terms of these contracts, and how to evaluate from a financial perspective. My normal income would continue but for fo...
by Diogenes
Wed Apr 23, 2014 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 17374

Re: If you have ACA health insurance, what is your experien

So far, I am led to believe that the ACA has been positive for most. From the posters who were negative, there have been no responses yet. We'd sure like to hear from you... I think you are being led to a false conclusion. It has been positive mainly _ if_ you get a large subsidy and your Doctor op...

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