Search found 259 matches

Return to advanced search

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...
by Diogenes
Wed Apr 23, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 157
Views: 6636

Re: Does Mint.com randomly access your account?

When I signed up for Mint I entered only a small amount of my assets and requested no contact. Within a week I received a call from a Mint rep who was obviously looking at everything I had entered as he made a pitch for 'Advisory Services.' Declined and deleted my account. I certainly would not link...
by Diogenes
Mon Apr 14, 2014 2:59 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1958

Re: Passport, TSA Pre-Check, and Global Entry

Some major U.S. airports/points of entry now have a different line in the Customs area for GE folks to drop their tickets. No waiting.

$20 a year, if you pay. A great investment!
by Diogenes
Sun Apr 13, 2014 2:51 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2560

Re: Passport, TSA Pre-Check, and Global Entry

I like Global Entry and last used it two weeks ago. If you don't travel much to/from the U.S., it is of less value. While true that there are kiosks for other Amcits to use, that is once you get to the front of the line. Global Entry folks don 't wait in that and usually also have a separate lane fo...
by Diogenes
Fri Apr 11, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2560

Re: Why Americans are Retiring Overseas

Of course, "overseas" is frequently a misnomer. There are no "seas" between the U.S. and Mexico or Canada. I think people had stronger reasons to retire abroad when healthcare was unaffordable for those without a job with benefits, and who were too young to quality for Medicare....
by Diogenes
Wed Apr 09, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9057

Re: Laid off today... TODO list?

Siamond,

Best of luck to you. Not an easy thing to go through, regardless. My suggestion is to maintain friendly professional relationships and look at this as a golden opportunity to look for the next dream job or other adventure.

_D_
by Diogenes
Thu Apr 03, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9697

Re: "Investing" in gift cards

abuss368 wrote:I used to play those games years ago. Now I don't bother and prefer to keep everything as simple as possible.


+1

Seems this is the modern version of clipping coupons? Can't see that it is really worth the time, unless you must.
by Diogenes
Wed Apr 02, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2645

Re: Decently written article on retirement

What is wrong with having 6 kids? We should be celebrating fatherhood and not bashing it. Thank goodness for people that raise families. These kids will be working and helping to support my social security and medicare. This man raised and supported a family and this is to be commended. The fellow ...
by Diogenes
Tue Apr 01, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decently written article on retirement
Replies: 22
Views: 3122

Re: Decently written article on retirement

The first example is a guy that had $130k in his retirement account in his 50s after a career of working. Listen - I'm going to cue you in on a secret - everything in life really depends on how lucky you are - lucky to be born with all functions vs. having some disability, having a loving caring fa...
by Diogenes
Tue Apr 01, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decently written article on retirement
Replies: 22
Views: 3122

Re: Best websites for foreign long term rentals

We're headed to Europe this summer and have already made arrangements for short term condo and apartment rentals as we explore an area and move on to the next. We did this a few years ago and found a number of websites dedicated to short term vacation rentals up to 1-2 weeks. What I'm looking for a...
by Diogenes
Fri Mar 28, 2014 1:51 am
 
Forum: Personal Consumer Issues
Topic: Best websites for foreign long term rentals
Replies: 9
Views: 857

Re: Vin Etching on Auto glass

Vin etching was big in the 1980's. Depends what it is worth to you. It will not effect the chances of theft, if that is what you mean. Just another profit center for the dealer. No committed car thief with the know how to deal with modern fob-chip vehicles will care. If it gives you peace of mind an...
by Diogenes
Sat Mar 01, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: VIN Etching on Auto glass
Replies: 14
Views: 860

Re: The Estate lawyer cost us big

Note: I am _not_ a lawyer. However, I deal with many of them. Sadly there is a cottage industry in some States with firms running up probate fees. I have seen this happen even if a trust exists that front loaded costs(funding problems, and other issues). Best thing is not to die in a state that allo...
by Diogenes
Sat Feb 22, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8897

Re: "Chip" credit card for foreign travel

Sometimes there's a difference between what people inside a company 'know' and what people outside a company 'know'. +1 Being a few years in the 'industry' in the U.S. is quite meaningless to what actually happens in Europe now. I don't think most CC reps in the States actually have a clue as to wh...
by Diogenes
Fri Feb 14, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 70
Views: 8850

Re: "Chip" credit card for foreign travel

Make sure is is actually a Chip & Pin . Many U.S. banks are transitioning to a Chip & Signature, as previously noted above. Looks identical and some branch people may not know the difference. That is not much use if you plan to use automated kiosks in Europe for gas, train tickets, etc. You...
by Diogenes
Fri Feb 14, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 70
Views: 8850

Re: "Chip" credit card for foreign travel

Thanks for updating. I can add that my Credit Union just automatically switched my Visa Card to a Mastercard chip/pin card. I didn't ask, and they didn't ask me if I wanted it, they just notified me two days ago that they were making the change. I'm OK with that. They tell me I should receive it th...
by Diogenes
Fri Feb 14, 2014 4:22 am
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 70
Views: 8850

Re: becoming a snowbird

Agree with Swampy. Rent for awhile and get to know the area before you buy. There are endless rental options in FL. Be sure that the area you eventually settle in match your lifestyle. +1 I would only add, don't limit yourself to FL. There are many foreign places that cater to American snowbirds. J...
by Diogenes
Thu Feb 13, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: becoming a snowbird
Replies: 21
Views: 3299

Re: USAA Auto Insurance?

I believe USAA is consistently one of the most respected companies in America.

Been a member for 25 plus years. I don't us them for everything, but I always check with them first. That says something. Glad my kid is also a member, a small gift to him.
by Diogenes
Thu Feb 13, 2014 2:36 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re: "The dangers of long-term care insurance"

Again, am I completely misguided here? LTCI might cover the probability aspect of the long tail (very rare events), but my understanding is that they all have a maximum total payout. You have a policy with a total maximum payout of $400,000 and go into a nursing home for 20 years, that policy not g...
by Diogenes
Tue Feb 11, 2014 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 106
Views: 7567

Re: Layed off and now retiring. Need advice...

The $30K includes health insurance and long term care insurance. You might want to read this PBS NewsHour Report on long-term care insurance. It suggests that LTCi may be a poor choice for singles. Sorry about your layoff, not an easy thing . 30k seems very low for expenses, especially if it includ...
by Diogenes
Mon Feb 10, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Layed off and now retiring. Need advice...
Replies: 65
Views: 7340

Re: Just got a free consultation by Personal Capital. Though

I signed up for Personal Capital a few months ago and tried out their app. I was impressed reading about their security infrastructure to protect account information, etc. Just the same, I only put in a few sample assets, home, a few investments, etc. I ceased to be impressed when I received a nearl...
by Diogenes
Mon Feb 03, 2014 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: Just got a free consultation by Personal Capital. Thoughts?
Replies: 49
Views: 4835

Re: Current tips for buying a Used car

Lots of good tips! I have always heard that buying from a used car dealer is fraught with risks since many buy vehicles on auction that may have questionable history. Perhaps it is different buying from a new car dealer that took a car on trade-in, not sure. I plan to have him look at look at Car Gu...
by Diogenes
Tue Jan 28, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: Current tips for buying a Used car
Replies: 14
Views: 1325

Current tips for buying a Used car

I have bought many new cars and am fairly good at the process. I want to help out a young man buy his first used car.
It has been a long while since I bought used. His budget is about 7k and wants something to last through college. Other than Craigslist which we are looking at, any new tips ?
by Diogenes
Mon Jan 27, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Current tips for buying a Used car
Replies: 14
Views: 1325

Re: Early "retirement" considerations

32 and $160K does not sound like a 'retirement.' Neither does 37 with $450K. Don't forget college funds, taxes, unexpected house and car repairs, etc. Do your real expenses over the past year, without the mortgage, come in at under $1700/month? That would be amazing. Put your numbers in here http://...
by Diogenes
Mon Jan 27, 2014 3:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Early "retirement" considerations
Replies: 25
Views: 2276

Re: Gopher Madness

I tried the hose trick and the smoke bombs aggressively. Next morning I picked up this image off one of my surveillance cams.

Not sure if I should be worried...


Image
by Diogenes
Sun Jan 26, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3069

Re: Seattle as a place to live?

We have lived and worked in Seattle in the recent past. It depends what you desire. The downtown area is great but pricey. Other areas on the fringe of downtown, not so much. Beacon Hill is near one of the more crime ridden areas- Rainer Valley. Walking at night as a retired couple would not be enjo...
by Diogenes
Sat Jan 25, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6284

Re: Gopher Madness

Are you sure they are gophers and not moles? After figuring out that the mounds were moles I recently acquired some very cheap, yet sturdy, traps on Amazon. Caught my first large mole this week, a company in our area charges $100 setup fee plus $75 per mole for the same process. I'm doing it for a o...
by Diogenes
Fri Jan 24, 2014 2:01 am
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3069

Re: Anyone familiar with this? Bank asking for info...

Slow down . A SAR in and of itself is not something to be concerned about. Thousands are filed by banks just to cover themselves and are ignored by investigative agencies unless a obvious money laundering pattern develops or you are otherwise under investigation. FINCEN is not an investigative agenc...
by Diogenes
Thu Jan 23, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6486

Re: Schwab Making It Difficult to Switch to Vanguard

A bigger risk is having all the passwords in one third party database, I don't care how 'secure' they are, there is a human as well as a machine element. That's why I cannot recommend services like Mint, Personal Capital etc. Anyone who has concerns about a singular brokerage like Schwab but still h...
by Diogenes
Wed Jan 22, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Making It Difficult to Switch to Vanguard
Replies: 23
Views: 2632

Re: Schwab Making It Difficult to Switch to Vanguard

Just a thought, but if you ask Schwab representative depending on your account size they may decide to code your account so you can buy all Vanguard funds transaction free...


_D_
by Diogenes
Mon Jan 20, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Making It Difficult to Switch to Vanguard
Replies: 23
Views: 2632

Re: Anyone familiar with this? Bank asking for info...

If it actually came from the branch it is a legitimate "request."
That is not the same as having an "obligation" to provide it.
On the income and occupation question merely ask why they need the information and decline for privacy reasons. I doubt they will close your account.
by Diogenes
Sun Jan 19, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6486

Re: Anyone familiar with this? Bank asking for info...

The Bank Secrecy Act is the main law as amended several times. Combined with the Patriot Act and Dodd Frank. Banks are obligated to "know your customer" under those laws and the rules are enforced by the Federal Reserve and other regulators. And it has nothing to do with credit. Its about...
by Diogenes
Sat Jan 18, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6486

Re: Living trust to avoid probate

Just went through this process when we revamped our estate documents. Learned a few things along the way: 1. The State you live in and have assets in makes a huge difference on probate issues/costs. 2. Living trusts are oversold 3. Many people that shell out the extra money for a LT end up in probat...
by Diogenes
Sat Jan 18, 2014 4:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Living trust to avoid probate
Replies: 19
Views: 1877

Re: Anyone familiar with this? Bank asking for info...

I am very familiar with this given I work in a bank Compliance department. All banks are being forced to upgrade their anti-money laundering capabilities. To do so, banks have to update the information they have on their customers. So-called know-your-customer rules. It is absolutely legitimate. If...
by Diogenes
Sat Jan 18, 2014 3:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6486

Re: Real estate and rising sea levels

There have been several dire predictions in this area that have not come to fruition due to failure of models to match reality. Caution is advised. Question all "dire predictions." Most are wrong as the weather cannot be reliably predicted for a week, let alone "long-term trends.&quo...
by Diogenes
Tue Jan 14, 2014 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate and rising sea levels
Replies: 49
Views: 2888

Re: Truly high earners (>$1M/year) how'd you do it?

My brother-in-law makes +1 million/ year. It appears his secret was having the right mentor when he began working for a Big 4 accounting firm out of college and extremely hard work. Work comes before everything else (including family). If the boss is in the office every Saturday morning, you better...
by Diogenes
Tue Jan 14, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Truly high earners (>$1M/year) how'd you do it?
Replies: 64
Views: 6917

Re: Real estate and rising sea levels

I certainly would never base an important decision I was making on an article in the NYT. I just wouldn't. Especially one that is perhaps based on highly controversial conclusions. I'm not sure your question was a serious one in any event as everyone knows insurance rates (like everything else) go u...
by Diogenes
Tue Jan 14, 2014 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate and rising sea levels
Replies: 49
Views: 2888

Re: Paying for College while Retired -- FASFA Strategies

Are the assets retirement assets or a regular investment account? I could be wrong, but I believe the FAFSA does not count assets in tax sheltered retirement accounts or the primary residence. Since they get your IRS info, main thing I think is income. Qualified retired plan assets are not reported....
by Diogenes
Mon Jan 13, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for College while Retired -- FAFSA Strategies
Replies: 50
Views: 2163

Re: Target Breach, Updated

Really no sense getting all excited about this intrusion at Target. At any given time there are many of these events going on at other companies in the U.S. The hackers of the world know it is easy to steal money targeting American companies. Perhaps for the same reason as why prolific bank robber W...
by Diogenes
Mon Jan 13, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4272

Re: Republic Wireless

Does anyone have an opinion about the new Moto X compared to an iPhone? Can't say I'm an expert on the comparison, but I have to say iPhone's look positively pitiful next to Android phones of the past couple of years. You won't be disappointed. I disagree. I have an iPhone5, and my spouse a new Mot...
by Diogenes
Sun Jan 12, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Republic Wireless
Replies: 36
Views: 3178

Re: Top 12.5% with $712,000 net worth

Wow does that guy live in a bubble? When you think being in the top 12.5% of the richest country ever is "modestly well off" you may be out of touch. Um, the U.S. is not even the richest country right now, let alone ever. What country is the richest if not the US? There are six currently ...
by Diogenes
Sun Jan 12, 2014 4:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Top 12.5% with $712,000 net worth
Replies: 34
Views: 4950

Re: Republic Wireless

Bought a MotoX from RW for DW. Highly recommend them. They are a service reseller, much more than a VoIP provider. Next week will buy another for my college student. No dropped calls, any wifi issues it switches over to Sprint without you noticing. I have an iPhone from Straighttalk, also good (AT&a...
by Diogenes
Fri Jan 10, 2014 2:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Republic Wireless
Replies: 36
Views: 3178

Re: best way to hide your personal information on work lapto

This is not really the right forum to be asking these questions.

Information viewed on a company laptop can be retrieved regardless if you store it on a flash drive or not. The right thing to do is to use the company laptop for company work . Carry a tablet for your personal work.
by Diogenes
Thu Jan 09, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 3614

Re: Living vs. saving

First, you never pay for first class. You always get upgraded for free. When you end of sitting in first class, you will discover that no one else there paid for it either. Second, even if you buy a Lexus, you keep it for 15 years and at that time hand it down to your kid. So kid won't be driving u...
by Diogenes
Sun Jan 05, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living vs. saving
Replies: 75
Views: 9219

Re: Investors beware... account security IS important!

... but let's say someone breaks into my Vanguard account...What can they do?... I don't know about your account but my vanguard account contains my whole name, phone number, address, bank information (those that are associated with the account), birth date. On Schwab they could also perform a wire...
by Diogenes
Sat Jan 04, 2014 3:08 am
 
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 7408

Re: Wi-Fi Thermostats: Nest and Ecobee

Have used the Ecobee in our house for over a year, continue to be impressed.

Easy to check in with the app or web interface while away and runs true to temperature. Installation is lower profile than Nest, especially as you can leave off the back bracket and mount closer to the wall.
by Diogenes
Thu Jan 02, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Wi-Fi Thermostats: Nest and Ecobee
Replies: 31
Views: 3161

Re: Desired portfolio size at retirement?

The question failed to account for pensions and other income streams. I may plan a portfolio of $2.5, however not needing to tap it for living expenses is different than planning regular 3-4 percent withdrawals and thus needing a larger start balance... No the omission is deliberate. Ok. Poll seems...
by Diogenes
Thu Jan 02, 2014 2:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3427

Re: Desired portfolio size at retirement?

The question failed to account for pensions and other income streams. I may plan a portfolio of $2.5, however not needing to tap it for living expenses is different than planning regular 3-4 percent withdrawals and thus needing a larger start balance...
by Diogenes
Wed Jan 01, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3427

Re: Quitting Job of 20yrs to start business

Old topic. Post deleted.
by Diogenes
Thu Dec 26, 2013 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting Job of 20yrs to start business
Replies: 31
Views: 3684

Re: Retiring in a "no state income tax state"?

When looking at States that have an estate tax threshold that seems low remember to talk to your Estate Attorney about a Credit Shelter Trust. That can effectively double the threshold.
by Diogenes
Thu Dec 26, 2013 3:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring in a "no state income tax state"?
Replies: 101
Views: 11660
Next

Return to advanced search