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by an_asker
Fri May 29, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 15
Views: 695

Re: Best way to learn tennis for adult

[...]The problem with the racquet sports is that you need an opponent.[...] Like I said, not for racquetball. The wall is your first (and untiring) opponent. You can work up a sweat in ten minutes of bashing the ball against the walls. OP: Do note that racquetball and tennis don't go hand in hand. ...
by an_asker
Fri May 29, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 15
Views: 695

Re: Best way to learn tennis for adult

Thanks for the replies. Tennis was not my first pick. The reason I choose tennis is the proximity to my home. I went to badminton for 2 weeks with friends at work. Predominantly Asian crowd but a very enjoyable game and I seem to like the effort needed for the game vs time. I think raquet ball fall...
by an_asker
Fri May 29, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 26
Views: 1591

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

Thanks for posting this. At this time I have not looked at the photos yet, I will. [...]I saw Iitaly as a polluted country where you could smell car exhausts in Milano, Malpensa airport was always full of dense fog that caused many delayed fights. Italy did not compare well to USA. Happy to work an...
by an_asker
Fri May 29, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 101
Views: 5418

Re: Stemikger "Volatility is far from synonymous with risk."

Volatility is far from synonymous with risk. Stemikger (and others): I would appreciate your explanation which will be educational for us all. Thank you and best wishes. Taylor Didn't read the entire thread. I'm not Stemikger ... or the Buffett. With those disclaimers out of the way ... To me, vola...
by an_asker
Fri May 29, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

[...]Lane departure IMO is pretty good unless you're never tired when you drive. Then it's just whatever. I am not speaking about others but 99% of the time, I drive my car when I am not tired (read sleepy). That said, need to relate this incident. A few years back, we were in CA - spent the day in...
by an_asker
Thu May 28, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

I've missed something here - how does the smart car determine that Elvis has left the freeway? And if so, how does it figure out the speed limit on the surface streets?
by an_asker
Wed May 27, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 22
Views: 1294

Re: Tips for extended European Trip

stan1 wrote:[...]Eastern Europe is still somewhat of a cash economy. [...]

Berlin definitely was, as I found out to my displeasure back in November, and I would suspect most of Germany is as well.
by an_asker
Tue May 26, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 6378

Re: Once in a life time trip.

Where do you take 2 kids ( 8 year of age) on a vacation that they will never forget? Assuming you have saved 20K for this trip and 2 weeks. Need more information about kids - gender, likes, compatibility (whether one likes what the other hates) etc. Also, depends on adults' tastes as well. Surely, ...
by an_asker
Tue May 26, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 22
Views: 1764

Re: Dispute a credit card payment or not

It sounds like they swindled you out of $100, so there is a very clear cut case for a dispute. (And of course you don't need to return the item. You are asking for $100 to be made whole, not $400.) Unfortunately, it seems you didn't preserve a copy of the offer, so may not be able to prove it. Swin...
by an_asker
Mon May 25, 2015 12:26 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 10435

Re: Neighbor hired a surveyor. Should I be nervous?

I can see OP's hurt feelings, but I can also see the point of view of those being critical of him. Perhaps you are referring to the first post on the second page of the comments, which is a completely different person to the first post on the first page of the comments ? :oops: Yup. Looks like I wa...
by an_asker
Fri May 22, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3980

Re: Not able to max out all the retirement accounts

Reading share your net worth progression post makes us very nervous about our retirement accounts. We were just too heavy in real estate before we found this site. Rule #0 of Bogleheads: Do not compare your net worth with other Bogleheads. Depression will ensue! :oops: +100 OP, thank you for being ...
by an_asker
Fri May 22, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3980

Re: Not able to max out all the retirement accounts

[...] On top of my head. 2K mortgage piti $200 gas and electric $60 water and trash $800 groceries, formula, and lunches and dine out. $50 vehicles maintenance $200 gasoline $160 car insurance $1200 daycare $40 cell phones $30 internet $50 home warranty $50 medication and supplies $150 other misc. ...
by an_asker
Fri May 22, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3980

Re: Not able to max out all the retirement accounts

yellowgirl wrote:
therivler1 wrote:~100K. HCOL area (DC suburbs). single dad with full custody of two kids.

your expenses are a bit high. post your monthly expense breakdown


More than 60% of our expenses are mortgage 2K and 1.2K for daycare.

I am with therivler1. Please post the breakup of the 5k per month.
by an_asker
Fri May 22, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 3980

Re: Not able to max out all the retirement accounts

yellowgirl wrote:Reading share your net worth progression post makes us very nervous about our retirement accounts. We were just too heavy in real estate before we found this site.

Rule #0 of Bogleheads: Do not compare your net worth with other Bogleheads. Depression will ensue! :oops:
by an_asker
Fri May 22, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 33
Views: 2221

Re: Penfed 0.99% auto loan

I currently have a $1000 certificate with Penfed so I can keep the 5% gas rebate Penfed card. Are you saying that if I took out an auto loan with Penfed that could replace the $1000 certificate to qualify for the card and I can liquidate that? You would have to first buy that car, Truecar or not! ;-)
by an_asker
Fri May 22, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 10435

Re: Neighbor hired a surveyor. Should I be nervous?

I can see OP's hurt feelings, but I can also see the point of view of those being critical of him. Back in my school days, as part of our English text, we had a short story "A spark neglected burns a house" where a small misunderstanding between two neighbors ended up with one of the house...
by an_asker
Thu May 21, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 60
Views: 8811

Re: Don't come to Europe with a new chip and sign credit car

Naismith wrote:
Will do good wrote:Does anyone know which issuer in the US that offers Chip and PIN?


Barclay Arrival+ Mastercard.

My Barclay Arrival+ Mastercard was DOA in Paris and Berlin last November. I used the swipe and sign Capital One Mastercard instead - looks like this thread has come a full circle now! :oops:
by an_asker
Thu May 21, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Help needed - Trip to Geneva and Paris this summer
Replies: 10
Views: 496

Re: Help needed - Trip to Geneva and Paris this summer

We will be landing in Geneva, the morning of 30th June and heading back to the US from Geneva on the morning of 7th July. Here is our preliminary plan. So long as we get to spend three days in Paris, we are totally open to anything that we need to do while based in Geneva for the rest of the time. ...
by an_asker
Thu May 21, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 10435

Re: Neighbor hired a surveyor. Should I be nervous?

[...]My landscaper and I accepted fault and put it back the way it was. I said he was being unreasonable about the whole thing based on what was common in the neighborhood. Now we are only 1 of two houses out of 40 that don't have connecting beds around the utility boxes. It just plain looks DUMB! ...
by an_asker
Thu May 21, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1016

Re: Mortgage Payoff Calculation? Help!

Just want to say thanks, I never knew about the windows calculator either! I have previously used a generic excel amortization schedule that has a column for extra payments. You can change the loan amount to whatever your current balance is and then work backward to find out how many months are lef...
by an_asker
Thu May 21, 2015 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1016

Re: Mortgage Payoff Calculation? Help!

I use the calculator built into windows for this exact problem. Start the calculator, click on View->Worksheets->Mortgage. Select the drop down and click on Term (years). I use the current mortgage balance as the "price", 0 for the "down payment", and put in the interest rate an...
by an_asker
Wed May 20, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1329

Re: Do most folks pay for trips before going (India)

Wake up time. Many young people in India who are not rich by any means use credit cards to purchase groceries. On your next trip walk in a reliance or Star Bazzar store you will see 50% of customers using Credit cards. as for trips to Europe, some companies pay for your vacation, other pay for your...
by an_asker
Wed May 20, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1329

Re: Do most folks pay for trips before going (India)

Well, I was poor in India and thought that I will be rich when I will come to US. I came to US and I still felt poor. Then I thought that I will act/feel like rich when I will go to India on short trips (you know, dollar conversion etc.). Guess what, I never felt so poor on couple of India trips. T...
by an_asker
Wed May 20, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1329

Re: Do most folks pay for trips before going (India)

No Idea but last month I did laundry at a laundromat in Germany with the servant of an Indian family. She joked that they would not know how to run the machines. That does sound about right :-) India has one-percenters as well (ten million of them, no kidding!) Seriously though, that sort of thing ...
by an_asker
Wed May 20, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1329

Do most folks pay for trips before going (India)

I just read through the latest Dave Ramsey thread and it appears that Americans - at least those who follow Ramsey whether or not they are Bogleheads - are coming around to following the No Debt philosophy. I have been planning for a trip to Europe and spending time on TripAdvisor forums. Based on i...
by an_asker
Wed May 20, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3310

Re: Living on last months income.

[...] Not to argue semantics, because I don't think it's really relevant to the conversation, but since I was curious.... I did look at my primary credit card. I just got the bill, which is set to auto-pay on 6/11/15. It shows charges from 4/14/15 through 5/12/15. I do see your point (and maybe thi...
by an_asker
Wed May 20, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

opus360 wrote:[...]I probably have spend over $4000 in tuition fees for driver's training beyond getting my initial driver's license.

Voluntary or involuntary training? ;-)
by an_asker
Wed May 20, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

[...]I don't think you understand how capable many adaptive cruise controls are. For most systems, you can be doing 100 mph and the ACC will bring the car to a complete stop well before a collision.[...] Chris I don't claim to understand driverless cars so have abstained from the discussion; howeve...
by an_asker
Wed May 20, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3310

Re: Living on last months income.

I'm the opposite. I live on next month's income by putting most expenses on credit cards. But I have an emergency fund and my income does not fluctuate month to month. That's not, strictly speaking, true! Why? Well, think about it ... Even if you get paid biweekly, (to make things simpler) let's as...
by an_asker
Wed May 20, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

[...]I don't think you understand how capable many adaptive cruise controls are. For most systems, you can be doing 100 mph and the ACC will bring the car to a complete stop well before a collision.[...] Chris I don't claim to understand driverless cars so have abstained from the discussion; howeve...
by an_asker
Tue May 19, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3720

Re: No Foreign Fee Credit Card - Exchange Rate

They said it would take 7 business days and so far, that seems to be right on target. Fortunately, however, Kevin M has just posted an update from Nice, France, where he has been using a Capital One chip-and-sign card without any problems (https://www.bogleheads.org/forum/viewtopic.php?f=11&t=1...
by an_asker
Tue May 19, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

I've been rear-ended three times. Once I got nailed by a couple doing about 50 when I was stopped for a left turn. I don't believe that even if he'd had auto-braking it would have helped much because he never saw me. Do you understand how auto-braking works? The driver doesn't need to see anything ...
by an_asker
Tue May 19, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 162
Views: 7834

Re: Aren't we overdoing electronic auto safety features?

BTW, can we get a show of hands of the folks who: 1) Never speed 2) Have never used a cell phone while driving 3) Have never driven while too tired 4) Have never driven after a few beers or glasses of wine, or even some other substance 5) Have no drivers in the house under 25 now or coming along wh...
by an_asker
Tue May 19, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3720

Re: No Foreign Fee Credit Card - Exchange Rate

Edited: I called and they are converting my card to chip & pin. Of course, it might still not be a European chip & pin (the pin might be worthless for all I know). I'll find out soon enough.. Please report back. I would be very interested to know whether it works. Unfortunately, it turns ou...
by an_asker
Mon May 18, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: To refinance or not to refinance
Replies: 13
Views: 1202

Re: To refinance or not to refinance

You don't need to accept the 15 year loan. Tell them you want a 13 year loan or if you can afford the payment go to a 10 year loan. Lot of times they they don't tell you that you can create a loan for any duration. I learned something new! I didn't realize you could create yourself a loan for any d...
by an_asker
Mon May 18, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3720

Re: No Foreign Fee Credit Card - Exchange Rate

[...]jlawrence01: Just curious whether you used the Capital One chip and pin card, i.e., the pin aspect of it. The reason I am asking is that I received mine within the last couple of weeks and the rep I spoke to was categorical that it was a chip and sign card. In other word, my experience mirrors...
by an_asker
Mon May 18, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 11892

Re: Let's hear your Dave Ramsey success stories

"My wife and I just paid off our 30 year home mortgage in 19 months :shock: (120k) baby step 6 of 7. All while maxing out all retirement accts, Roth ira's and a 401k both years and have been fortunate enough to be able to tithe the entire time" your income may have to do with that with di...
by an_asker
Mon May 18, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 11892

Re: Let's hear your Dave Ramsey success stories

... But whenever I'm listening to Dave's show it's always someone with a $60-120K house. I'm not even sure where you buy one of those, but it isn't in my metropolitan area and probably not even in my state, and it certainly isn't in the Bay Area or Manhattan. It is easy to be out of touch with the ...
by an_asker
Mon May 18, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3720

Re: No Foreign Fee Credit Card - Exchange Rate

[...]jlawrence01: Just curious whether you used the Capital One chip and pin card, i.e., the pin aspect of it. The reason I am asking is that I received mine within the last couple of weeks and the rep I spoke to was categorical that it was a chip and sign card. In other word, my experience mirrors...
by an_asker
Fri May 15, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2795

Re: Letter from IRS (I think they are wrong)

Speaking for myself, I would not look a gift horse in the mouth.

But I am with you on trying to figure out whether you did your calculations right or not.
by an_asker
Thu May 14, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Hedging the Swiss Franc - possible?
Replies: 8
Views: 780

Re: Hedging the Swiss Franc - possible?

Looks like as usual, I took a financial decision, and I have lost :oops:

WIth a few weeks left for our travel, the Swiss Franc has gained nearly 10% (and climbing) since I started waffling - and opted for the do-nothing scenario. Aaargh!!
by an_asker
Wed May 13, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9227

Re: I Hate Vacations

My issue with vacations is that I do not get any paid vacation time. So I have to not only spend money going away, I don't earn any money on those days either, so that makes budgeting for one to be fairly difficult (making sure there's enough money in the account for paying bills, etc). This usuall...
by an_asker
Tue May 12, 2015 5:05 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3720

Re: No Foreign Fee Credit Card - Exchange Rate

Per their rep, Capital One is rolling out the chip+pin in 2015. Appraently by the end of the year, they plan to complete the roll out. Not sure if you can request one early on. I have been very happy with their exchange rate, no transaction fees and 1.5% cashback. They have a decent set of alerts f...
by an_asker
Tue May 12, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1876

Re: escrow increase...

[...]Since I don't have any payments coming out until November, I'll probably opt for a single payment to make up the deficit, in order to maximize the 2% interest. Huh?!! If your account is in deficit and you are making a payment to make up for the shortfall, how are you maximizing the 2% interest...
by an_asker
Tue May 12, 2015 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 177
Views: 21392

Re: much ado about coasting (through life)

[...]I will put my doctor hat on as say being apathetic about life is NOT healthy and don't seeing ANY mental health professional seeing it and not giving it a diagnosis.[...]Good luck. Could you please rephrase. I read it a few times but am unable to comprehend what you said immediately after you ...
by an_asker
Tue May 12, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 1999

Re: Day trips from Berlin?

Agree on Sacheshausen Berlin is is absolutely huge (about 350 sq miles) Ive been there more than dozen times and still not seen half of the big sights. Last month I lectured there on the Berlin-Brandenburg Airport engineering fiasco. (Largest pure financial loss in history directly due to engineeri...
by an_asker
Tue May 12, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: Day trips from Berlin?
Replies: 32
Views: 1999

Re: Day trips from Berlin?

I will have two free days on May 22-23 (Fri - Sat) in Berlin, Germany. Hotel (near the zoo) is set. Are there any suggestions for a one-day trip, perhaps by their wonderful inter-city trains? Engineering geek here. L. From what you write and what others have commented, I am a bit confused - are you...
by an_asker
Tue May 12, 2015 8:05 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1876

Re: escrow increase...

[...]Since I don't have any payments coming out until November, I'll probably opt for a single payment to make up the deficit, in order to maximize the 2% interest. Huh?!! If your account is in deficit and you are making a payment to make up for the shortfall, how are you maximizing the 2% interest...
by an_asker
Mon May 11, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 1876

Re: escrow increase...

[...]The changes (usually increases) in the required escrow balance and/or the amount of each monthly payment going to escrow is often greater than what seems to be the changes (usually increases) in the underlying taxes and insurance. One reason reason for this "perception" is that when ...
by an_asker
Mon May 11, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3720

Re: No Foreign Fee Credit Card - Exchange Rate

I own a PenFed chip-pin card and a CapOne chip-sign card. Will let you know about my experiences in a couple of months. :-)

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