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Re: Question regarding security door

A couple of security lights and diligent pruning of trees and bushes may achieve the same positive effect.
by dgdevil
Tue Apr 15, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Question regarding security door
Replies: 8
Views: 576

Re: Lost $10K in my investments past few months

in the past few months i lost about $10K in my retirement investments and my biotech mutual fund has tanked as well. is this downswing in the market temporary? whats everyone doing now..staying the course as always? I'm heavily in biotech too. Yes, it's been rough. I probably lost twice that sum on...
by dgdevil
Tue Apr 15, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4146

Re: Trip to Jamaica

I did not even get a chance to see what Jamaica really is. On the other hand, we were concerned about the safety to stay in some downtown local hotels. I'd like to see some comments about vacation experience in Jamaica (and similar countries) by not staying at high-end resort hotels. Yes, there is ...
by dgdevil
Tue Apr 15, 2014 2:51 am
 
Forum: Personal Consumer Issues
Topic: Trip to Jamaica
Replies: 8
Views: 821

Re: Traveling by train in the UK for the firs time, help!

I read somewhere that the Heathrow Express is one of the most expensive trains on the planet for the distance, starting at 21 GBP ($35) one-way and 34 GBP ($57) return, each, for the 15-minute trip.
by dgdevil
Mon Apr 14, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 19
Views: 864

Re: Proper Money management and itinerary for Europe trip

I see you have a few gardens in the itinerary. You may be interested in the Pope's country estate at Castel Gandolfo, near Rome, which has just been opened to visitors. Not cheap, though. Details here: http://www.telegraph.co.uk/travel/destinations/europe/italy/10706191/How-to-visit-the-Popes-privat...
by dgdevil
Mon Apr 14, 2014 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1661

Re: Proper Money management and itinerary for Europe trip

My personal preference is to get enough foreign cash in advance to fully cover my first couple of days. (I use Wells Fargo's currency exchance service for this. I've used it both as a WF banking customer and before that.) This way, if my credit cards don't work, I have some time to deal with the pr...
by dgdevil
Mon Apr 14, 2014 2:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1661

Re: Trip to Jamaica

Love Jamaica, but wouldn't go anywhere near an All-Inclusive. The Negril cliffs are where it's at.
by dgdevil
Mon Apr 14, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Trip to Jamaica
Replies: 8
Views: 821

Re: Proper Money management and itinerary for Europe trip

2) no currency exchange is as good as no fee ATMS. Bank of America has partners. Speaking of dubious banking practices, the Global ATM Alliance is now essentially dead since BofA quietly introduced a fee last November. I got major sticker shock after dutifully using Westpac ATMs last year, but BofA...
by dgdevil
Sun Apr 13, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1661

Re: Proper Money management and itinerary for Europe trip

I think 6 days in rome is a bit much, unless you plan on taking a day trip or two to other cities like Florence. Agreed, Rome is a great town - and you'll be there before the tourist crush - but a daylong excursion, preferably to Florence, would be a better use of your time. Similarly with 5 rather...
by dgdevil
Sun Apr 13, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1661

Re: Traveling by train in the UK for the firs time, help!

Any possibility of an open-jaw - fly in to Edinburgh or Glasgow, and out of LHR?
by dgdevil
Sun Apr 13, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 19
Views: 864

Re: Contractor not licensed but insured

Go back to the expensive two, see if they will come down in price, especially as they are keeping you waiting for 2-3 months -- or, if they'll throw in some extras. And/or, go to the previous work sites of the cheap guy, and talk to his clients - which is a hassle, I admit. Licensing is ostensibly t...
by dgdevil
Sun Apr 13, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Contractor not licensed but insured
Replies: 15
Views: 818

Re: California Taxes - Am I Missing Something?

When a city has an average home price of $800K, where do the teachers live? Where do the firemen live? Where do the folks who want to start a lawn mowing business live? The first 2 professions are a protected class, so no worries there; the metaphorical lawnmower guy, yes, California is not as welc...
by dgdevil
Sat Apr 12, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7435

Re: Why Americans are Retiring Overseas

When I was entering small shops, my first question was if they spoke English. In 80% of the places they would shake their heads. Then I would ask if they spoke Russian, and the answer was "a little." After that I would speak to them in Russian, they would respond to me in Slovakian, and w...
by dgdevil
Sat Apr 12, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Why Americans are Retiring Overseas

I agree with this. Many people have this idea that Europe is super expensive. But it's really not at all. Especially if you talking about renting for a month or more, it can be waaaaay less than most large American cities. Check out some prices on AirBnB for example. I am going to check out AirBnB,...
by dgdevil
Sat Apr 12, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Why Americans are Retiring Overseas

... the numerous medical conditions I already have - it's not usual to have 8 maintenance prescriptions at age 37, and one is a combo drug. I have already been disabled a few times too, and my spouse was once. If I moved back to France, those costs would go near zero due to universal healthcare, bu...
by dgdevil
Fri Apr 11, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Passport validity: Do I need at least 6 months?

winglessangel31 wrote:
dgdevil wrote:
winglessangel31 wrote:I never said it was a US passport. :twisted: The risk was upon reentry...


The rule covers ALL 3rd party nationals.

The risk was the CBP officer not letting me enter this country.


I empathize. USA does not have the 6-month rule either. A rare positive in the foreigner experience.
by dgdevil
Fri Apr 11, 2014 12:23 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1418

Re: Passport validity: Do I need at least 6 months?

winglessangel31 wrote:I never said it was a US passport. :twisted: The risk was upon reentry...


The rule covers ALL 3rd country nationals.
by dgdevil
Fri Apr 11, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1418

Re: Passport validity: Do I need at least 6 months?

It's all about risk tolerance. I took the risk and left the US for the Schengen area when my passport had <6 months validity (a renewal did not happen as planned because of paperwork technicalities) and returned on <5 months validity, and did not encounter any trouble. YMMV, and your dice are in yo...
by dgdevil
Fri Apr 11, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1418

Re: Passport validity: Do I need at least 6 months?

P.S. You are safe: http://traveltips.usatoday.com/countries-require-six-months-passport-validity-100788.html And you can see here that the UK visa application form (which does not apply to you, but still governs entry requirements) does not indicate passport minimum validity: https://www.gov.uk/gene...
by dgdevil
Fri Apr 11, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1418

Re: Passport validity: Do I need at least 6 months?

Is there a reason to do it now? From searching the web, it appears that the U.K. government only wants to ensure that my passport does not expire while I am there, but the airlines tend to impose this 6-months expiration limit. Please comment. Victoria No. Passports cost big bucks, so maximize the ...
by dgdevil
Thu Apr 10, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1418

Re: Why Americans are Retiring Overseas

Of course, I believe my retirement is still a while away, and things could certainly change over time. I haven't run the exact numbers, but I could probably afford to retire today in some low cost of living areas - possibly including Alabama - at age 37 - but I prefer to keep working in Silicon Val...
by dgdevil
Thu Apr 10, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Preventing Office Theft of Food and Other Stuff

Khanmots wrote:Going off topic here, but copyright infringement is not theft. Not legally. Not morally.

Is it wrong? Arguably so. But it's a very distinct thing from theft.


Huh?
by dgdevil
Thu Apr 10, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 4890

Re: Mouthwash

Closys. My dentist gave me a truckload of left-over toothpaste and mouthwash. Neither has a traditional minty taste, which is hard to get used to. Reviews on Amazon are stellar.
by dgdevil
Thu Apr 10, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Mouthwash
Replies: 4
Views: 849

Re: Why Americans are Retiring Overseas

My understanding is that the living costs are somewhat higher but the infrastructures in Kuala Lumpur and Penang are pretty good. Also English is widely spoken in Malaysia - not so in Thailand. Both countries offer fairly easy retirement visas. Penang will get very small and very noisy rather quick...
by dgdevil
Wed Apr 09, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Financial question about a Doctor’s Visit

It was a second appeal for me and I provided the insurance company all the EOBs and the lab results. They fully reviewed it and really didn't care. Do I have any option of small claims court or something? If I don't pay the medical bills this could be used against my credit. I don't see how the doc...
by dgdevil
Wed Apr 09, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial question about a Doctor’s Visit
Replies: 77
Views: 3388

Re: Why Americans are Retiring Overseas

@tidalwave10

[Response to OT comments removed by admin LadyGeek]
by dgdevil
Wed Apr 09, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Why Americans are Retiring Overseas

But those young, healthy and self-employed probably have to find work in the foreign country, which adds a new level of difficulty to the equation. ... or a new challenge that they can try and overcome. When you're young and healthy - and unencumbered - anything is possible. Failure, if it happens,...
by dgdevil
Wed Apr 09, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Brown bagging in a more formal office

Skip the messenger bag unless you're a Brooklyn hipster ca. 2010. The food's smell factor is the bigger issue. Might be an idea not to commit to a full wardrobe yet until you do a full analysis of people's dress habits. I think the rule of thumb is to dress a little bit better than your equals, but ...
by dgdevil
Wed Apr 09, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2872

Re: California Taxes - Am I Missing Something?

What nobody tells you about living near the beach, not even at the beach, is that you won't see the sun before 11am for two months in May and June. No thank you. I lived on the Venice boardwalk for 3 years in the early 1990s and loved that part of it: a rare chance for peace and quiet. The sunsets ...
by dgdevil
Tue Apr 08, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7435

Re: Why Americans are Retiring Overseas

I get the sense from visiting NOLA and environs that unless all branches of your family have lived there for 150+ years and served on all the right Mardi Gras committees, gone to the right schools and balls, then you will always be an outsider. We're talking New Orleans - not London or New York high...
by dgdevil
Tue Apr 08, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Why Americans are Retiring Overseas

Really, you would rather live in Thailand than the Southern US? Pick your third world poison. While ambulatory and still brimming with joie de vivre: yes. While vegetative, well, it probably doesn't matter where you are. BTW, "Southwest" US definitely worthy of consideration - Santa Fe, A...
by dgdevil
Tue Apr 08, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Windows XP

Thanks for that. All points heeded and acted upon. I got all excited into the small hours reading about foreign VPNs based in Moldova and the like. But your steps were easier (and cheaper).
by dgdevil
Tue Apr 08, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1471

Re: Windows XP

rustymutt wrote:
That's why we use a good NAT (Network Address Translation) firewall.


Any recommendations? I'm googling, but am vexed.
by dgdevil
Tue Apr 08, 2014 4:29 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1471

Re: Why Americans are Retiring Overseas

Yes, a puff piece with little information. I live abroad, and the vast majority of my expat friends did not move abroad for financial reasons. Several are much wealthier than me, and many of us could live pretty much anywhere on the planet if we wanted to, absent visa considerations. You should wri...
by dgdevil
Tue Apr 08, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 8367

Re: Mayo clinic is the best clinic in America ??

jackpullo997 wrote:What exactly does Mayo stand for?
I assume it's not the Mayonnaise Clinic.

https://www.mayoclinic.org/tradition-he ... -name.html


Joe Mayo, famed for giving responsibilities to his party guests.
by dgdevil
Thu Apr 03, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 2741

Re: Laid off today... TODO list?

Ugh! So sorry. Been there - though it was a termination. It's a sinking feeling, bums out the entire workplace, and some people may treat you as if you have the plague. Nothing personal, just fear. Don't sign anything just yet. HR relies on shell-shocked employees to sign what's put in front of them...
by dgdevil
Wed Apr 02, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9325

Re: Frugal Fatigue

countofmc wrote:One thing that sometimes helps control my spending is the knowledge that ...

it will all be thrown out when I die.
by dgdevil
Wed Apr 02, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9654

Re: Best ways to show daily news to 9 year old

It not the ads,but the News itself that would be upsetting to a 9 year old. She's more likely to be upset by the cloying superficiality and the fabulously coiffed bubbleheads. You could try Nick News with Linda Ellerbee: http://news.nick.com/ Newspapers are best. At that age, we had to take a clipp...
by dgdevil
Tue Apr 01, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1877

Re: Expensive hobbies and possessions? (B/c you can...)

DaleMaley wrote:If you like woodworking, check out my web site at.........

http://dalemaley.webs.com/


Wow! You're a genius. Amazing ... I'll have 1 of everything, 2 of The Pulverizer ...
by dgdevil
Tue Apr 01, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 8996

Re: How Many Properties Do You Own?

Two: house in USA (mine), an apartment in Sao Paulo (wife's) ... if anyone needs a place for the World Cup, PM me!
by dgdevil
Tue Apr 01, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2161

Re: Accident in a rental car on government credit card

Meanwhile the other guy needs his car fixed. You might want to keep him apprised of this seemingly sticky - and potentially drawn-out - situation since he naively bought your husband's line, "Don't worry, I'm with the government." If he gets aggravated, it may be honorable to cut him a $50...
by dgdevil
Tue Apr 01, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Accident in a rental car on government credit card
Replies: 24
Views: 1312

Re: Earthquake insurance in California

I am interested in knowing the difference between the insurance offered by the California Earthquake Authority and other companies. What other companies sell it? Have you compared plans? I am not familiar with Geovera. I recommend getting an agent who can do the legwork for you. I was with CEA for ...
by dgdevil
Tue Apr 01, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1385

Re: Expensive hobbies and possessions? (B/c you can...)

Jeff7 wrote:
So I get my own little desert right there in my northern livingroom.


Amazing. Got pix?
by dgdevil
Tue Apr 01, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 8996

Re: Earthquake insurance in California

I was paying $1,200 per annum through Geovera in L.A. until I canceled. Can't remember the deductible - somewhere in the $25,000 range. On top of California Fairplan and all my other insurances, something had to go.
by dgdevil
Tue Apr 01, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1385

Re: Expensive hobbies and possessions? (B/c you can...)

Expensive rock concert tickets around the world. I'd feel better about it if I had a job, but if I had a job I wouldn't be able to get enough time off.
by dgdevil
Tue Apr 01, 2014 1:39 am
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 8996

Re: Earthquake insurance in California

The problem is that seismologists are quacks, and they stir up either complacency or panic. They make excellent talking heads after a quake, but where they beforehand? At the end of the day, they know as much as Joe Average - not much. Real scientists must be infuriated by the media time these CalTe...
by dgdevil
Mon Mar 31, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1385

Re: Frugal Fatigue

Dry cleaning a suit every couple of weeks is the worst thing you can do. All those chemicals will absolutely reduce the life of the suit. Wool easily loses its wrinkles when the suit is hung in the bathroom as you shower. If you're worried about pit stains, use crystal deodorant and ask your dermato...
by dgdevil
Mon Mar 31, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9654

Re: Earthquake insurance in California

I had it for years until last year, via Geovera. I dropped it after my agent said he didn't have it for his house. He had also just come back from a seminar where some speakers had cast doubt on the ability of insurers to pay up in the event of a really big one. And yeah, I'll probably be dead anywa...
by dgdevil
Mon Mar 31, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1385

Re: Frugal Fatigue

Ultimately if it weren't for the extra tax burden I'd face if I cut back on retirement contributions, I would have no problem with putting it all into a money market account for the next year and using that money for a new car and home purchase. Don't let fiscal policy get in the way of enjoying li...
by dgdevil
Mon Mar 31, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9654
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