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Re: If you have ACA health insurance, what is your experien

The main reason folks seem to be happy with the ACA is others are paying a portion of their premium. It would be interesting to know how much we taxpayers paid in Jan, Feb and March to the insurance companies for these subsidies. I believe a big mistake was made to only use income as the qualifier ...
by dgdevil
Tue Apr 22, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 125
Views: 5391

Re: Sallie Mae loan servicer / death of co-signer

From today's New York Times:

Student Loans Can Suddenly Come Due When Co-Signers Die, a Report Finds

http://www.nytimes.com/2014/04/22/us/st ... ds.html?hp
by dgdevil
Tue Apr 22, 2014 4:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae loan servicer / death of co-signer
Replies: 81
Views: 12456

Re: If you have ACA health insurance, what is your experien

I hope you enjoy paying that 1% tax The penalty will be 2.5% in just a few years, and then adjusted for inflation. I'm aware of that. Let's see, my spouse and I currently have a combined gross income of $21,000. After the standard deduction and 401k contributions, that should make 1%, what? About $...
by dgdevil
Tue Apr 22, 2014 3:17 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 125
Views: 5391

Re: If you have ACA health insurance, what is your experien

lululu wrote:
I suspect Obamacare is at or close to being self-sustaining at this point, since there has been a recent influx of younger people.



Well, if my young cousin - with CF, diabetes, gluten allergies and kidney stones - is any guide, the math could get quite hairy.
by dgdevil
Tue Apr 22, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 125
Views: 5391

Re: Flights D.C. to London: Buy now or wait?

DW and I are both Platinum United members. She is disabled and I have tried in every possible way to get advance seat assignments on European Economy tickets. no luck We fly to Venice with SWISS next week from London for exactly this reason That blows. Sorry to hear. I assume the relatively brief f...
by dgdevil
Mon Apr 21, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1759

Re: Town home, good or bad idea?

-I am 23 years old -Currently living at home with my parents for free :) ... - I have about 14k in student debt left which I planned on paying off by the end of the year. 4k at 4.5% and 10k at 3.5%. - I plan on contributing $5500 to a roth ira every year and about $7000 to a 401k a year. - Salary i...
by dgdevil
Mon Apr 21, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1510

Re: Flights D.C. to London: Buy now or wait?

I have just below 20,000 miles on United and will exceed 20k after the London trip. I thought that flights outside the continental U.S. required at least 40k miles. 20k miles + $186 to Europe does not look bad. Victoria Are you serious? UA is offering RT tickets to Europe from US for 20K miles plus...
by dgdevil
Sun Apr 20, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1759

Re: Flights D.C. to London: Buy now or wait?

I've booked a ton of Star Alliance award flights in Europe this summer via United.com and the seats were automatically allocated according to my profile preference and elite status. But I will need to sit down one of these days, analyze the seats vs. the seating charts and call each airline to chan...
by dgdevil
Sat Apr 19, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1759

Re: Flights D.C. to London: Buy now or wait?

We fly to London tomorrow. The biggest benefit with buying early from United is getting to chose your seats when you buy the tickets. This is not the case with some other airlines. I never fly Lufthansa unless I absolutely have to for this very reason. We are flying LH to MUC in June and we have as...
by dgdevil
Sat Apr 19, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1759

Re: Flights D.C. to London: Buy now or wait?

@VictoriaF: For sure. I see Virgin is charging the same - and would be a better experience - but it gets in to LHR at 7:05 am. So not good for you.
by dgdevil
Sat Apr 19, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1759

Re: Flights D.C. to London: Buy now or wait?

1. Are there any reasons not to buy now? The airlines quite often have fall sales, though this may not impact what I assume is quite a busy route. If you're in United's FF program - depending on your level (i.e. "silver" is useless, and "gold" increasingly so), a United-branded ...
by dgdevil
Sat Apr 19, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1759

Re: Frugality regret: What thing do you regret not spending

by clevername » Thu Apr 17, 2014 7:05 pm I really regret not going inside the Colossium in Rome because I was too cheap to pay the 15 euros to get in. I was 20 doing the whole shoestring backpacking thing but still. Ditto! But I don't even have your excuse of being 20 something, this was only 3-4 y...
by dgdevil
Fri Apr 18, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14290

Re: *poor* Bogleheads

I find it annoying when someone who is financially fortunate, like a west coast tech person in his 20s raking in millions in another thread, attributes it to "hard work," as though bus drivers and construction workers aren't working their butts off, but ignorance and lack of empathy are c...
by dgdevil
Fri Apr 18, 2014 2:56 pm
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5324

Re: Frugality regret: What thing do you regret not spending

I regret not seeing some of my favorite music artists in the 70s and 80s when they played with strength and passion and tickets often sold for around $20. Now, these same groups want upwards of $400/ticket to watch them sway slowly back and forth on stage with weaker vocals and weaker playing abili...
by dgdevil
Fri Apr 18, 2014 3:03 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14290

Re: Over-55 communities a ripoff?

Children, or lack thereof. I did not buy, but rented in an over-55 apartment complex. It was eerily quiet, the silence broken only by the sounds of the emergency vehicles coming after midnight to take away those who would never return (over 55 includes a lot of really over 55). If you like silence ...
by dgdevil
Thu Apr 17, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2706

Re: Over-55 communities a ripoff?

Question: Why would an over-55 'empty-nest' couple 'downsize' by selling their long-time and likely paid-off home, and buying into a new over-55 community? Children, or lack thereof. I did not buy, but rented in an over-55 apartment complex. It was eerily quiet, the silence broken only by the sound...
by dgdevil
Thu Apr 17, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Over-55 communities a ripoff?
Replies: 38
Views: 2706

Re: If you leave your job, can you use up your whole FSA?

That part of the IRS code I know. What I'm wondering is if there's anything in the code that states that the employer has legal right to go after the employee for the difference. No. It's yours, a rare example of the system working in your favor. When I was tossed out of my job mid-year, I'd alread...
by dgdevil
Thu Apr 17, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you leave your job, can you use up your whole FSA?
Replies: 29
Views: 1891

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

Every good Boglehead should retrace Adam Smith's steps in Edinburgh:

http://adamsmithslostlegacy.blogspot.co ... burgh.html
by dgdevil
Wed Apr 16, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1242

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

Jeff Albertson wrote:
The cities are nice, but don't miss Scotland's magnificent scenery.


... and the Mull of Kintyre, if you're a Paul McCartney fan.

Looks scenic, though I haven't made it yet: http://www.youtube.com/watch?v=GFRcMYjut4o
by dgdevil
Wed Apr 16, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by train in the UK for the firs time, help!
Replies: 29
Views: 1242

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: 11
Views: 795

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: 4355

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: 9
Views: 1030

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: 29
Views: 1242

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: 1873

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: 1873

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: 9
Views: 1030

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: 1873

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: 1873

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: 29
Views: 1242

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: 863

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: 8441

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: 9014

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: 9014

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: 9014

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: 1542

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: 1542

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: 1542

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: 1542

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: 1542

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: 9014

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: 5184

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: 899

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: 9014

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: 3664

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: 9014

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: 9014

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: 3074

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: 8441

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: 9014
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