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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
Wed Jul 30, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 34
Views: 2343

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
Sun Jul 27, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3492

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 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 94
Views: 12343

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
Sat Jul 26, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1367

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
Wed Jul 23, 2014 1:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Current Credit Card Bonus for $10k Purchase?
Replies: 14
Views: 1455

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
Fri Jul 11, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Best WSJ subscription price help
Replies: 12
Views: 1321

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
Mon Jun 30, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22441

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
Sun Jun 29, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4316

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
Fri Jun 27, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 94
Views: 12343

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
Thu Jun 26, 2014 5:10 am
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 94
Views: 12343

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 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8153

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
Sun Jun 15, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6406

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 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 33
Views: 4332

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 5:22 pm
 
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1261

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
Tue Jun 03, 2014 2:03 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5123

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
Sun May 18, 2014 4:43 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 10940

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
Fri May 16, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3623

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
Sun May 11, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why I Don't follow AARP Any More
Replies: 18
Views: 2394

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
Wed May 07, 2014 3:05 am
 
Forum: Personal Finance (Not Investing)
Topic: [AP reporter seeks interviews: difficulty saving]
Replies: 21
Views: 2278

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 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience as a Government contractor?
Replies: 6
Views: 583

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 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience as a Government contractor?
Replies: 6
Views: 583

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
Sat Apr 26, 2014 3:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Experience as a Government contractor?
Replies: 6
Views: 583

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: 222
Views: 16282

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: 2161

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: 3401

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: 3401

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: 11232

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: 12053

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: 2910

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: 3359

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: 3359

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: 929

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: 945

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: 9189

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: 94
Views: 12343

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: 94
Views: 12343

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: 94
Views: 12343

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: 3368

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: 70
Views: 7279

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: 8057

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: 7663

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: 50
Views: 5950

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: 1520

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: 1520

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: 2335

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: 3275

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: 6912

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: 3275

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: 7227
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