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Re: Credit card fraud in South Africa

This issue is timely as we will be in South Africa beginning Oct 1st, including Kruger. We have the Chase Sapphire Preferred Card. Hope they are as vigilant as your CC folks are. I've alerted them of the upcoming trip. BTW - From my reading concerning the chip/pin - chip/ signature issue; seems to b...
by bartbill
Mon Sep 08, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud in South Africa
Replies: 16
Views: 1247

Re: Is this a Vanguard quirk? [Adding beneficiaries to accou

Thanks much for the reply's.

As always, just outstanding advise and much to think about.

Regards
by bartbill
Fri Aug 01, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 36
Views: 4122

Re: Is this a Vanguard quirk? [Adding beneficiaries to accou

I ran into this issue just 3 days ago. We don't have a will right now - and don't think I need one. Everything we have is now in stocks, bonds, and cash. We do have a nice truck and 5th wheel travel trailer. Since retirement we are full-time just traveling the country. We will buy a permanent reside...
by bartbill
Thu Jul 31, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 36
Views: 4122

Re: USBank/IBonds/medallion Stamp

Yes, That is what happened to me. In my original post I mislead you a bit. I didn't ask for the medallion. I told them I need a "signature guaranteed stamp" and the Customer service rep immediately assumed I meant a "Medallion Stamp". Couldn't get her past it (or her manager). Sh...
by bartbill
Tue Jun 17, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: USBank/IBonds/medallion Stamp
Replies: 9
Views: 709

USBank/IBonds/medallion Stamp

Read the previous posts on this issue, but this seems a little different. Last winter I closed the account I use to buy IBonds. Got the forms from TD, filled them out and went US Bank down in Colorado Springs (I have a couple of accounts there) to get the Medallion stamp on the paper work. I planned...
by bartbill
Tue Jun 17, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: USBank/IBonds/medallion Stamp
Replies: 9
Views: 709

Re: best cash back credit card

I decided to learn playing the credit card game and want to start soon, because in the next few months I will be spending ~$10k on travel and certain purchases, in addition to my normal expenses. Here are my constraints: 1. I want to get a VISA, because some of my potential vendors are abroad and d...
by bartbill
Mon Mar 17, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 167972

Re: What premium items are least worth it?

in_reality wrote:first class on an international flight


I'm struggling with this issue right now. We are both age 65. Taking a long flight to Johannesburg to begin a safari. Worried about starting out fatigued even with a days rest. First-class is an extra $3k.

Bill
by bartbill
Mon Mar 17, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 6869

Re: Overseas Travel Adventure - Africa

OAT is terrific. Little bit on the pricey side...but small groups and excellent guides. We have Galapagos / Machu Picchu booked for the spring. Another group recently did Turkey and are booked for Morocco...nothing but excellent reviews. Tip -- try to book as early as possible, if you can do a year...
by bartbill
Sun Oct 20, 2013 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Overseas Travel Adventure - Africa
Replies: 18
Views: 1381

Re: Overseas Travel Adventure - Africa

Thanks all for the constructive advice. We did price travel insurance with OAT and it was quite expensive. Will try the American Express route. I also have "Travel Assist" with Good Sams. They assure me that if we have a medical emergency that requires evacuation we are covered. We are bot...
by bartbill
Sat Oct 19, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Overseas Travel Adventure - Africa
Replies: 18
Views: 1381

Overseas Travel Adventure - Africa

We're planning a trip to Africa next year. We want to go in the dry season and the "Big Five" are a must see. I'm thinking 15 to 20 days is long enough. We've been getting lots of information the various tour operators and I want to make some decisions soon. I'd love to hear some opinions ...
by bartbill
Fri Oct 18, 2013 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Overseas Travel Adventure - Africa
Replies: 18
Views: 1381

Re: casper wyoming

They say the snow doesn't melt there - it wears out. The airport uses a 3' piece of boom chain for a wind sock. Worked there and in Douglas (about and hour east) ten years ago. Its oil and gas dominated. We were thru there last month and most the oil and gas infrastructure outfits have new headquart...
by bartbill
Tue Aug 06, 2013 9:02 pm
 
Forum: Personal Consumer Issues
Topic: casper wyoming
Replies: 27
Views: 2040

Re: International Driving Permit

Halfnine,

Thanks much for that information; just the kind of things I like to know. Just hate surprises at the last minute. Now, any suggestions for distillery tours.

Bill
by bartbill
Fri Jul 26, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1661

Re: International Driving Permit

"Hiring a Car", Just love the Brits.
Really like the idea of a GPS for touring Ireland and Scotland. I'll take mine.

Appreciate your opinion.
by bartbill
Thu Jul 25, 2013 11:16 am
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1661

Re: International Driving Permit

Thanks everyone for the comments. Sound like I don't really need a permit but I will get the one anyway, I'll sleep better.

BTW this trip is for a wedding on the west coast - in a castle.

Bill
by bartbill
Wed Jul 24, 2013 9:08 pm
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1661

International Driving Permit

We are going to Ireland in September for two weeks with a likely side trip to England and Scotland. Its been suggested we get an International Driving Permit. I checked with Irish Car Rental and they said my license is fine as long as its in Roman Script. I have not yet checked the other rental agen...
by bartbill
Wed Jul 24, 2013 1:26 pm
 
Forum: Personal Consumer Issues
Topic: International Driving Permit
Replies: 30
Views: 1661

Re: Contract Chicken Growing

In driving thru eastern Oklahoma and western Arkansas you see abandoned and non producing grow houses everywhere. There is a reason these folks quit producing chickens. I would be very careful with this.
by bartbill
Thu Nov 08, 2012 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Contract Chicken Growing
Replies: 51
Views: 3132

Re: Federal Blue Cross/Blue Shield

Thanks much,

I am aware of that. All I want is providers who play ball with the insurance companies and thereby keep me considerably under the 5K cap.
by bartbill
Mon Jul 30, 2012 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross/Blue Shield
Replies: 5
Views: 650

Re: Federal Blue Cross/Blue Shield

Thanks all for the quick replies, Yes, the doctor and the hospital are participating, but as you say, they don't pick the labs etc. BS/BS said a process called "spinal imaging" is one group most folks don't know about . And many that provide this service are not participating. Think the th...
by bartbill
Sun Jul 29, 2012 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross/Blue Shield
Replies: 5
Views: 650

Federal Blue Cross/Blue Shield

This has to do with "non-participating providers": I just received a bill from a non-participating provider for hospitalization in Long Beach when I was vacationing there in June. Had no clue he had performed a service. This happened to me a couple of years ago on the West Slope - even tho...
by bartbill
Sun Jul 29, 2012 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross/Blue Shield
Replies: 5
Views: 650

Re: Don't forget almond butter.

We have eaten our fresh almond butter on Ezekiel bread for more than 5 years for breakfast and still LOVE IT!!! If anyones interested in our almond butter recipe just ask.[/quote]

I'd like to see the recipe.
by bartbill
Tue Jul 12, 2011 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Raw Almonds
Replies: 84
Views: 6677

Absolutely great discussion to follow for someone learning about bonds. Thanks
by bartbill
Sun Mar 27, 2011 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why Active Bond Funds Bomb
Replies: 76
Views: 7740

Re: Michael Masterson - Practical Tips on Real Estate

[quote="Lumpr"]I invest in income properties.

Simply outstanding post. Had residential rentals several years ago. I does get old fast.

Now I see how the professionals do it.

thanks
by bartbill
Tue Feb 22, 2011 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Michael Masterson - Practical Tips on Real Estate
Replies: 46
Views: 9367

Re: Any old vehicles guys lurking on this board?

[quote="snyder66"]For quite some time now I've been considering getting an older vehicle. My poison is an older Chevy truck or IH Scout 2. My son still has the 78 scout I bought new in 1978. We rebuilt it top to bottom when he returned from the Service in about 1995 - then he promptly roll...
by bartbill
Sun Jan 16, 2011 2:23 am
 
Forum: Personal Consumer Issues
Topic: Any old vehicles guys lurking on this board?
Replies: 26
Views: 2866

Well, I changed to Hartford this year specifically for the price. I price insurance yearly. Carried Farmers for years in Colorado and Oklahoma. Dropped Farmers this year after about 20 years. I will recheck next fall and change based on price - I have no loyalty to Farmers or anyone else. I took a s...
by bartbill
Thu Dec 30, 2010 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Membership.. is it worth?
Replies: 76
Views: 11901

I'd be interested, though may not be around in Feb/March - that is what Arizona is for.
by bartbill
Sun Dec 26, 2010 4:13 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Denver Area Bogleheads Chapter - would you be interested?
Replies: 14
Views: 3574

Took my son and his buddy down in the Canyon spring break of his senior year in March of 1994. Lots of memories. Three months later he went off to the Army.
by bartbill
Sun Dec 19, 2010 1:19 am
 
Forum: Personal Consumer Issues
Topic: Essentials of Hiking
Replies: 96
Views: 7939

Advil rg I was going to mention this. Some kind of pain medication. It's for assisting yourself, should something hurt -- really big time. Maybe a doc knows the answer on this one ... but when my ankle broke, the first thing I thought was - I needed to get to my feet, and walk out of there, before ...
by bartbill
Mon Dec 13, 2010 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Essentials of Hiking
Replies: 96
Views: 7939

Re: In-laws bailing water financially. Options?

My wife got off the phone with her sister and just talked to me about this. We knew things weren't all peaches and cream with her sister's family financially, but it's worse than we had known. PS, You are not going to win - notice I'm not saying that you shouldn't help. There are counselors that ca...
by bartbill
Sat Jul 31, 2010 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: In-laws bailing water financially. Options?
Replies: 47
Views: 5937

The G-Fund is free money. Subsidized by the government to give artificially higher yields. All else equal, it will ALWAYS be better to put money into G-Fund then other cash instruments such as negative bond (mortgage) or i-bonds. Fabreze, I don't understand what you are saying: Free money - artific...
by bartbill
Sat May 01, 2010 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: G Fund, pay down mortgage, or IBonds?
Replies: 30
Views: 2941

The G-Fund is free money. Subsidized by the government to give artificially higher yields. All else equal, it will ALWAYS be better to put money into G-Fund then other cash instruments such as negative bond (mortgage) or i-bonds. Fabreze, I don't understand what you are saying: Free money - artific...
by bartbill
Fri Apr 30, 2010 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: G Fund, pay down mortgage, or IBonds?
Replies: 30
Views: 2941

Thanks Bart, Just the kind of information I am looking for. I'm thinking, sell half the IBM stock and use half of the proceeds for Total Bond Mkt Ind Fund and half in TIPS. I'm going to start and ETF account, then I can use the brokerage to sell the IBM stock. Actually when I did the account review ...
by bartbill
Thu Apr 08, 2010 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: My portfolio is a mess - need to simplify
Replies: 6
Views: 1678

Thanks much for the responses. Think I will study on it all for a while before I do anything else.
by bartbill
Wed Apr 07, 2010 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: My portfolio is a mess - need to simplify
Replies: 6
Views: 1678

My portfolio is a mess - need to simplify

I'm retiring this week, age 61, married. We have about $3500/mo in retirement and Social Security Disability income. The part I need guidance on as follow: Hers 1. Vanguard IRA (traditional) - $67000 a. Vanguard BondTotal Mkt Index fund (investor) - $15,000 b. Vanguard Total International Stock Inde...
by bartbill
Tue Apr 06, 2010 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: My portfolio is a mess - need to simplify
Replies: 6
Views: 1678

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