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Re: Sending cash back to myself in the US (from Brazil)

Invest in a money belt and bring the $ back with you. I do it all the time. Brazilian banks are rapacious, even local branches of foreign banks, ie HSBC, Citi.
by dgdevil
Thu Aug 21, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sending cash back to myself in the US (from Brazil)
Replies: 3
Views: 272

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences.
by dgdevil
Thu Aug 21, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 5
Views: 442

Re: Opinions on Webroot Security Anywhere

I also bought Webroot, after reading a rave in the Wall Street Journal. I think it's great. But it never got a mention in Consumer surveys of antivirus products, which was another reason to cancel my subscription (to the magazine).
by dgdevil
Thu Aug 21, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Webroot Security Anywhere
Replies: 6
Views: 365

Re: Girls gymnastics: what to expect

My biggest issues are my shoulders ... 101% agree with your post, being a former Masters swimmer myself (got lazy) ... Your coach should be able to fix the shoulder issue in 5 mins. It's technique: rotate the torso, keep elbow high/forearm floppy, make sure hand doesn't cross to other side on re-en...
by dgdevil
Wed Aug 20, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2319

Re: About to Order my first Mini Cooper S

archman65 wrote:
(1) If I am buying a mini cooper and my preference is a manual transmission will selling it down the road be more difficult because nobody seems to drive manual anymore?


I would buy it off you. Stick all the way.
by dgdevil
Tue Aug 19, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1157

Re: Bogleheads Featured in Money Article

I know this is totally beside the point, but that author (Penny) needs to learn how to proofread. A number of grammatical errors in a short article - sloppy! A bit sloppy, I agree in part. Based on personal experience, I would venture that these blogs are given a quick "second pair of eyes&quo...
by dgdevil
Tue Aug 19, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3005

Re: Do you know any of the 36% [that don’t save for retireme

A former colleague did not contribute to the company's 401(k), to general dismay. Fast-forward 20 years: his father died, and he inherited $3.5 million. And early-retired at about 52 years of age. An outlier, admittedly.
by dgdevil
Tue Aug 19, 2014 12:05 am
 
Forum: Investing - Help with Personal Investments
Topic: [helping a family member to start investing]
Replies: 10
Views: 792

Re: Europe travel: best card for ATM cash

The one thing you need to be mindful of when using an ATM card in Europe is that more often than not, there is no option to withdraw from Savings vs. Checking. It's basically Withdraw --> How Much? --> Cash Out --> Thank You. In my experience, it always comes out of Checking. Very good point. Raiff...
by dgdevil
Mon Aug 18, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1912

Re: Europe travel: best card for ATM cash

Schwab is the only debit card I'm aware of that reimburses fees internationally. Earlier in this discussion I made folks aware of the WellsFargo debit card that also reimburses fees internationally with an excellent exchange rate. My Wescom (California) credit union is fee-free overseas. Used to us...
by dgdevil
Mon Aug 18, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1912

Re: Made a $50k bet on Healthcare

@Gambler: FYI, quite an interesting Q&A with the chap who runs PRHSX, in the T. Rowe Price summer report I got in the mail today. He's excited about biotech, and doesn't see "many clear winners" from ACA, esp. the hospital companies that will "start to hit reimbursement pressures...
by dgdevil
Mon Aug 18, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 55
Views: 9062

Re: Girls gymnastics: what to expect

When bodies are still developing, stressing them too much can lead to injuries. Why is swimming ruled out? That's a pretty safe sport and builds strength and flexibility. There's no reason why she has to travel to compete as opposed to just enjoying swimming and building her skills. +1. Strength, f...
by dgdevil
Sun Aug 17, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2319

Re: Is buying two SUVs a sane/good financial move?

You, a professed bad driver, ask: Should I buy an SUV? I, someone who drives a compact car and who could be sharing the road with you, respond: No. +1. There are already too many bad SUV drivers in SoCal. BTW, if you a nervous driver now, how will you cope with a baby in the back seat, screaming or...
by dgdevil
Sun Aug 17, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3637

Re: Two days in Little Rock, AR - What to do and see?

I used to live there, but for the life of me, I cannot think of anything that one would want to do or see there. Seems you were right. Just think if the Clinton library had not been located there. Too many inappropriate responses to list. I was so bored by Little Rock that I drove 2 hours west to M...
by dgdevil
Sat Aug 16, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1432

Re: Two days in Little Rock, AR - What to do and see?

livesoft wrote:I used to live there, but for the life of me, I cannot think of anything that one would want to do or see there.


Seems you were right.
by dgdevil
Sat Aug 16, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1432

Re: Help-Do I need a chip/pin card in europe?

... my understanding is that debit cards do not need chips ... If I can get get cash, I feel I'll be fine. Correct. You'll be fine. Perhaps I'm over-thinking this (an affliction of mine) but will be travelling alone so no one to confer/commiserate with if card issues arise. I am also afflicted. But...
by dgdevil
Sat Aug 16, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1113

Re: Help-Do I need a chip/pin card in europe?

Does anyone know about this for Denmark? Just got back from Denmark. Credit cards require a pin, or will be useless. There is no signature option. Many frustrated new arrivals at the airport learn this when trying to buy train tickets at the kiosk. For me, I was at the supermarket checkout with a t...
by dgdevil
Sat Aug 16, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1113

Re: Renting forever: financial suicide?

2015 wrote:
Either Palm Springs or PNW, probably Portland.


Quite the contrast: old people who play golf at 4 am before it gets hotter than hell; or hipster doofuses, as sagely depicted in Portlandia.
by dgdevil
Fri Aug 15, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 90
Views: 9435

Re: Who sells fresh coffee that is not as strong as Starbuck

What I mean by strong is very high in caffeine. I guess you might say I am looking for some weaker coffee. I never got the sense that SBUX was stronger than average; it's very average on all scores. McDonald's is strong (and good value). Try flavored coffee: it has less caffeine. Or dump some of th...
by dgdevil
Fri Aug 15, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2234

Re: Renting forever: financial suicide?

This will probably not apply to most others, but buying my condo outright 17 years ago was the smartest financial decision I've ever made. I guess I got really, really lucky. The condo was in a desirable area in Los Angeles at the time, and since buying the area has become extremely upscale and tre...
by dgdevil
Fri Aug 15, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 90
Views: 9435

Re: Lifestyle Creep

4nursebee wrote:Mortgage main obstacle financially.


A fairly significant, and unnecessary, obstacle at this stage in your life. Will you be driving as much, post-retirement? Enough to justify ditching a 4-5 year-old car?
by dgdevil
Fri Aug 15, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2616

Re: tipping a house painter?

denovo wrote:I think tipping has gotten out of hand. outside of movers and probably looks a waiters at restaurants I don't really do any other tipping. Well hotel maids too.


+1. It's built into the price. And looks can be deceiving when it comes to paint jobs.
by dgdevil
Thu Aug 14, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 1338

Re: Investing in US from New Zealand

The best brokerage to go with is optionsxpress, they have an Australian branch who accept NZ investers: http://www.optionsxpress.com.au The trades are 15USD each. Not as low as what Etrade etc charge but still reasonable. The website is also very intuitive, they have great customer service and they...
by dgdevil
Thu Aug 14, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1158

Re: Renting forever: financial suicide?

I have EQ insurance on my place but it's a condo so everybody is forced to buy in as part of our HOA fees. For single-homeowners, EQ insurance is useless. It's only offered by the State of California ... Not true. I had a policy via Geovera. There may be others. This is why one should have an insur...
by dgdevil
Wed Aug 13, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 90
Views: 9435

Re: 2014 TaxACT online (fed+state), $13.99 'til Aug 31.

From email offer. Pre-Register now. Pay when you print your draft return next April. New user: sign up to create account. Existing user: enter account information (email address + TaxACT password). Email sent confirming your $13.99 price. https://www.taxactonline.com/s_online_tax2013/introduction/p...
by dgdevil
Wed Aug 13, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: 2014 TaxACT online (fed+state), $13.99 'til Aug 31.
Replies: 6
Views: 710

Re: Why is Bank of America so hated?

In fairness to B of A, they provide a lot of services for free and they do have to cover their costs somewhere. Yes, and the disgusting thing is that it ends up being the people who can afford it the least that end up paying for all our free stuff, because they don't know any better. It's a rotten ...
by dgdevil
Wed Aug 13, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2370

Re: Investing in US from New Zealand

Open an account at ASB Securities - 0.3% brokerage fee for NZ/Aust transactions done online, so they can get the Vanguard Australia ETFs -- or anything else that tickles their fancy, BHP? -- that way. For emergency fund, try TSB's Websaver account, which currently has a 3.5% rate, and a chance to wi...
by dgdevil
Wed Aug 13, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1158

Re: Why is Bank of America so hated?

Trader Joe wrote:No hate for BoA here.


+1. In these days of envy, you can insert any corporate name into the headline. Not sure this silly discussion belongs here.
by dgdevil
Wed Aug 13, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2370

Re: Made a $50k bet on Healthcare

@Gambler: FYI, quite an interesting Q&A with the chap who runs PRHSX, in the T. Rowe Price summer report I got in the mail today. He's excited about biotech, and doesn't see "many clear winners" from ACA, esp. the hospital companies that will "start to hit reimbursement pressures ...
by dgdevil
Mon Aug 11, 2014 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 55
Views: 9062

Re: How important is my insurance agent?

I have never had an insurance agent and don't know why I would want one. If I need insurance, I pick up the phone or go online and get it. To me, it's like having a broker manage my investments--I don't need that. plannerman The analogy does not quite work as an insurance agent is not taking money ...
by dgdevil
Mon Aug 11, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2088

Re: Considering a trip to Bali

It's a long drive to sit around doing nothing. The Aussie accents may overwhelm. You can do much better in SE Asia.
by dgdevil
Sun Aug 10, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Considering a trip to Bali
Replies: 10
Views: 1315

Re: Buying a Carpet Overseas

The more recent instance was when I was in Turkey -- Goreme to be precise. It is a pity you did not deal with this New Zealand woman in nearby Cappadocia - widely recommended and trustworthy. I bought a few pieces from her, and her colleague told me that the prison carpet I had bought elsewhere was...
by dgdevil
Sat Aug 09, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Carpet Overseas
Replies: 14
Views: 936

Re: How do you address your inlaws and being addressed?

Kosmo wrote:
There was an episode of Everybody Loves Raymond on this topic. I'm so glad not to have a mother like him.


If in doubt, try "Mulva"
by dgdevil
Sat Aug 09, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4713

Re: How do you address your inlaws and being addressed?

My parents never addressed their in-laws by any name, and neither do I. Once my dad had to get my grandfather's urgent attention in a crowd and yelled out his last name, which provided us kids with endless hilarity. My wife refers to my parents by their first names. I don't speak my in-laws' languag...
by dgdevil
Fri Aug 08, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4713

Re: 5 Days in Beijing - Suggested Activities/Restaurants?

+1 on Simatai. A wonderful hike in relative solitude. Chairman Mao's corpse - a very quick, inadvertently comical experience. Natural History Museum - lots of pickled human corpses. After a long day walking, a tea house is bliss and the ladies are beautiful. I have fond memories of one at the bell a...
by dgdevil
Fri Aug 08, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: 5 Days in Beijing - Suggested Activities/Restaurants?
Replies: 9
Views: 862

Re: Affording a 1.3 million home?

Here's how I look at it. With interest rates so low, I'd do only 20% down to get rid of PMI, invest the remainder. In a high tax bracket, with low interest, mortgage deduction and inflation, it's basically a 0% loan at that point. +1. Minimum downpayment also obviates need for earthquake insurance....
by dgdevil
Thu Aug 07, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10968

Re: Affording a 1.3 million home?

Here's how I look at it. With interest rates so low, I'd do only 20% down to get rid of PMI, invest the remainder. In a high tax bracket, with low interest, mortgage deduction and inflation, it's basically a 0% loan at that point. +1. Minimum downpayment also obviates need for earthquake insurance.
by dgdevil
Thu Aug 07, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10968

Re: Affording a 1.3 million home?

epitomist wrote:I have an almost identical salary, almost identical assets.

I live in a $600k house. I would never consider buying a $1.3MM house.


I assume you are not in the Bay Area, though?
by dgdevil
Wed Aug 06, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10968

Re: average American eats out 203 times per year

jlawrence01 wrote:I am currently homeless until December living in various motels.


Care to expand?
by dgdevil
Wed Aug 06, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6373

Re: Confessions from the Peanut Gallery

I hate insurance companies. I wish I could find one firm who could just do what I want at a fair price. Find an insurance agent. They do all the heavy lifting. For my part, I went to the trouble of buying an Internet modem so that I wouldn't have to pay the cable company's $5 monthly rental charge....
by dgdevil
Wed Aug 06, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Confessions from the Peanut Gallery
Replies: 9
Views: 992

Re: What Used Car Should I Get for <10K

Honda, Toyota - can't go wrong. But it is not a great time to buy a used car if you are looking for a bargain. Prices held up during the recession as drivers held on to their cars and supply dwindled. I know this because I have been searching autotrader in that price range and good options are relat...
by dgdevil
Wed Aug 06, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: What Used Car Should I Get for <10K
Replies: 30
Views: 2443

Re: High School Reunions--Have you attended?

I'm shocked more people haven't attended or even have interest. I have a handful of very close friends that go back to middle school days. I have many more that I'm still friendly live. That after going to college and living in 4 other states since graduation 23 years ago. You all must have hated h...
by dgdevil
Tue Aug 05, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: average American eats out 203 times per year

And this is why the average American is so fat No one is more judgmental than me when it comes to fat people and Americans' eating habits. But I know, from (ahem!) personal experience, that is very easy to pile on the pounds eating at home. And not even bad food, just too much food, with no exercis...
by dgdevil
Tue Aug 05, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6373

Re: Any other travel freaks?

I would fly Aeroflot again, if my return flights will deliver me in one piece. Best wishes, Victoria Aeroflot is the cheapest for transatlantic flights right now. I would not fly them for obvious reasons. A $10 voucher for a 3-hour-delayed flight is appalling. If United is that late, they give me a...
by dgdevil
Sat Aug 02, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 8765

Re: Huff Post: How Financially Literate Is the Investing Pub

I think this study does not quiz financial literacy at all, since most of the questions are about 401k plans (and other retirement plans). Nowhere does it ask things I would expect like: what's the difference between a stock and a mutual fund? What is the difference between a corporate bond, a CD, ...
by dgdevil
Sat Aug 02, 2014 3:03 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4577

Re: Individual Stocks with Perks

Most companies used to give away freebies in the 80s, usually in the form of a discount card that came with the annual reports. I worked in a brokerage where we got dozens of annual reports in the mail every day, and I gleefully plucked the cards from the verbiage. Disney shareholders have been a bi...
by dgdevil
Fri Aug 01, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks with Perks
Replies: 21
Views: 2078

Re: RBD here yet? (DOW -300points drop)

Gambler wrote:oh wow.. even with today's bloodbath, my $50k gamble on PRHSX (healthcare) is up .3% today?!


Not true, alas, although that is what the wsj.com quotes page shows - and I knew it was too good to be true. Double-check on yahoo for the sad truth.
by dgdevil
Thu Jul 31, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5079

Re: Do any boggleheads invest in individual companies?

I love the boglehead approach, but I also think it's like religion. Some people are ardently religious and follow every tenant [tenet]. Others don't. Just be true to what you understand and can rationalize. Amen! I have some long-term Disney, some BHP, both with excellent dividend yields and capita...
by dgdevil
Mon Jul 28, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5740

Re: Girlfriend moving in, lots of student loan debt

This thread is ancient. Maybe OP can give us an update on things?
by dgdevil
Sun Jul 27, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend moving in, lots of student loan debt
Replies: 69
Views: 8731

Re: Best place to put $20k cash (taxable money)

Sounds like play money. Have some fun with it. A sector domestic stock mutual fund - healthcare or energy or consumer staples or telecoms.
by dgdevil
Sun Jul 27, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to put $20k cash (taxable money)
Replies: 8
Views: 1059

Re: Old people and financial advisors - a family tale

OP has indicated that the conversation with his great-uncle is essentially over.
by dgdevil
Sun Jul 27, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5686
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