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On the topic of Amex or Visa CC insurance. There is some concensus on flyertalk that the Visa Signature converage is better and pays out easier than the Premium Amex coverage. Obviously, unless you have some super insurance, your regular auto insurance doesn't cover you in Europe. In Germany, Liabil...

Here's my link on flyertalk about my rental experience from Munich for a road trip we took a couple of weeks ago. http://www.flyertalk.com/forum/avis/1442836-german-rental-going-into-eastern-europe-8-euro-fee.html I'll cut and paste the bulk of it below. Unfortunately, the Dollar rental scam of not ...

It does say in the fine print that AMEX Premium is always primary. AMEX regular and Visa car rental insurance is secondary if you have a primary. If you don't have a primary, then AMEX regular and Visa become primary. I guess I'll just answer my own question, it seems overseas, AMEX Premium is a was...

I suggest you call your insurance company, AMEX, and also whatever card you are contemplating using to be sure what your options are. You might also check with the car rental company ahead of time. In my experience, if you refuse coverage from the rental company for an overseas rental, they will de...

I'll be renting a car in Europe and see no reason to use the AMEX premium insurance. Am I understanding this right? In the states, I always get it no matter what since it's PRIMARY insurance. I have an insured car in the US with full coverage, so if I damage the car, AMEX pays for the car, my insura...

Been doing google searches and I just wanted to confirm what to do. I over contributed by $415 to my 401k because of 2 employers. The 2nd employerer was not suppose to add anything but there was a misunderstanding when I setup benefits for 2013, they started the 401k changes in the last month of 201...

Just because Humana/Walmart says it's not covered doesn't really mean it's not covered and you'd have to go with the more expensive plan choice. There are things such as grandfathering, coverage exceptions, tier exceptions, for you to get the drug. It depends on the drug too. I can give you the best...

I have a lot of experience about this because of my profession. The main reason for not delaying coverage is because of the lifetime penalty that you would occur, you're monthly premium would be higher for the rest of your life for not signing up. Besides that you can find pretty cheap plans if you'...

Anybody who really thinks that changing your oil every 3k will make your engine last longer is not being realistic. Like the previous poster suggested, go to http://www.blackstone-labs.com/gas-engine.php And request a free kit, the get your oil analyzed if you're really that worried. For reference, ...

I agree about the IQair being noisy on the high setting. Air purification is a compromise, the more noise, the better it performs. If you can invent one that does both at a reasonable price, I'd buy it. I use my IQair at 2 or 3 speed which is audible but not loud enough where I can't sleep. It's lik...

I am a air purifier fanatic. But before you plunk down big bucks for one, realize that consumer reports and others state that an air purifier is not needed, just open your windows. I like them because we don't open our windows much. I tried the whirlpool recommend by CR and thought it was average. M...

I disagree that a less expensive memory foam compare to a Tempurpedic. I'm a cheap, frugal person. I'll research things to death before buying something. I would of loved to buy anything but a Tempurpedic to save money, it doesn't exist. There are comparable memory foam denisities to Tempurpedic you...

I bought my Omega POC 9300 because I wanted a nice mechanical watch. For a guy, it's kinda the last piece of jewelry we can wear. Women have engagment rings that they can wear, necklaces, rings, ear rings, etc. Guys, it's pretty much wedding band and watch. Just like buying a nicer car makes no sens...

Put the money in whenever you want, yes, if you invest it early, you're getting more time in there but maybe the stock market tanks early and you just got wiped out. Who knows, nobody knows, you just do it when you want to do it. It doesn't matter. Why not then just put in a couple of hundred over t...

I looked into the Public Service loan forgivness, my wife works for a non-profit but she would have to work 30 hours a week and on top of that, it's only if your loans are held by Direct Loan. We're getting the 1.125% because she consolidated back in the day with another federally approved lender, b...

My wife and I sprang for the split king, I got the Tempurpedic Allura and she got the Rhapsody. We love the beds, unfortunately, there's no cheap alternatives to those beds. The competitors can't copy the feel yet, there's a reason why Tempurpedic isn't patented, they would need to reveal the formul...

We're on IBR because our income jumped this year, it hasn't been this high ever. So we've been paying the minimum IBR and putting the money away, I expect out IBR payment with jump and we'd have to switch out of it next year. Miscellaneous savings is there because I didn't know what else to do with ...

All the school loans are fixed loans. Right now, I'm at the crossroads of what to do. I've been as of now, maxing out both our 401ks, backdoor Roths, so putting into retirement accounts $44K a year. The rest of our money is being saved, maybe to buy a house but a house isn't important to us at the m...

Well, after years of school and changes in careers and tons of student loan debt. My wife and I are both fully employed and ready to go. We're in our low 30's. Income is right now about 250k/year combined before taxes, we live in CA, it will drop down to 180k/year when we start to have kids next yea...

We're all taking about mechanical watches right, not quartz. If your watch needs batteries, you never need to service it until it breaks if ever. You may be right about Rolex having a flat fee, in that case I would take it into a watchmaker and he can fix it for much less.

Head over to watchuseek.com the watch equivalent of bogleheads.. Haha.. I recently bought an Omega planet ocean chrono 9300, a fine mechanical watch that I plan to keep forever. All mechanical watches need to be serviced at least every 4-5 years. If your watch was consistent and all of a sudden star...

Sorry for the quick tongue in cheek reponse for Obitalk...haha.. So if you're having voice quality issues with say Obitalk or any other service, most likely you're going to have issues with all of them. If not, it's because usually the QoS settings is not setup correctly, especially if you have a ve...

Rookies.... And your ooma crap. Google obitalk, go to amazon and order it, it works just as well as the others and there's no fee. Use google voice for the service, never look back.

I'll give better advice. I think the dentist here can chime in and say that they or their office staff are fully aware of what is and what is not covered, especially by Delta Dental. They even know how much they will get reimbursed for each procedure. Rules like how many cleanings are covered, how m...

I believe the next step is to find a new dentist. You see that Ferrari that your dentist just drove up in, that's from padding your bill and every other smuck patient there.

If you do decide to go with the Honda warrant, get the real HondaCare warranty from an online Honda dealer, please google it. Sites like Curry Honda, Bernardi Honda etc, all see the real Honda extended warranty much cheaper than your dealer. They do it on volume. I chose to buy a Honda warranty or m...

For the benefit of those who might have the same question, I'm posting what I found out. It's better to max out the auto especially since it becomes the same price. It allows you to get higher uninsured motorist. It also, in the event that you're umbrella and auto is not the same company, means you ...

Finally finished school and in the real world, getting paid money. Already bought $1 million in professional liability insurance. I just switched to Geico, they had the cheapest rate by far. Been with Wawanessa for the last 2 years but they raised their rates again. This is my second time with Wawan...

I really haven't thought of the Walmart stock as part of our overall portfolio. It was pretty much an unexpected gift from Walmart. From previous advice from this board, my overall savings is a bit over 100K in 401ks and Roths. I'm about to put in 10K into our Roths and planned on rebalancing at tha...

Thank you very much for the tax advice. I wasn't even thinking about it. Some of the stock grants were given on October 2011, so I have to sell after 1 year to get taxed at 15%. Our AGI should be above 100K this year. It's not much money, I just checked and today the stocks are worth a hair under $5...

I've never bought individual stocks before and only invested in a 401k or Roth in mutal funds, so this is a pretty basic question which I would like advice on. Many moons ago, my wife worked for Walmart. They granted her free stock grants. We were getting some small dividends for the past couple of ...

Well, now that the thread has gone into where to put a HSA into. Where's the latest and greatest place to put in a HSA if you want to invest it? I moved my HSA into hsabank.com which lets you use TD Ameritrade to invest in Vanguard funds. But those bastards used to charge $2.25 a month fee which you...

Let me see if I understand your question... you want our advice about your asset allocation, but you don't want small caps, mid caps, more total stock market, international, and you want a more aggressive allocation with minimal bond exposure, but you don't want total bonds. :roll: With all of thos...

There has been a change in laws to allow pharmacists to give shots but it's still under protocol with a MD. Which basically means that the MD is authorizing the pharmacist to give the shot, kinda like a contract. Which also means the MD gets a cut of the fees from the shot. This may change in the ne...

It's done by the pharmacist at the market. When I was in pharmacy school, they had us train to do it and get certified. The certification is a bit overkill since it requires you to memorize all the immunization schedules and other not much used info but let's face it, it's not the most difficult thi...

I'm a pharmacist and I had high tryglycerides and took Lovaza for a bit. Fish oil has many benefits in general besides the cholesterol stuff so take it for that. Lowers TG ~50%, Increases HDL 9%, can raise LDL so becareful. The OTC version of Lovaza is triple strength fish oil, the Costco/Sam's Club...

I did some research online about all the various canister vacuums. Look at consumer reports. I just ended up getting the Dyson DC23 Animal, it was $400 on sale at a local place. They said I could return it if it wasn't good and it's been fine so I kept it. Bought it about 2 months ago and so far, no...

Thank you for the advice, the 6.8% payments start in Nov, so we'll be trying to put at least $2-3k a month at paying it back, it's all about discipline now, trying not to use that money for something else..haha..

Probably an easy question and I've seen it before but wanted verification. Wife and I combined this year will make $150k, we do have a big emergency fund. Problem is our school loans are crazy, I have about 100K at 6.8%, 40K at 4%. Wife has 150K @ 1.2%. Right now, this year my plan was to only put i...

I'm a pharmacist but I work for a big insurance company. If a MD tried to charge for weird or unnecessary procedures, it's difficult to get away with it because a lot of it is actually audited by the insurance company, mostly nurses, and they will call, you give a bad reason, we as the insurance com...

It was over a 1 year period and yes, heavy but it took about a total of 10-15min to get it deposited in the bank from home. They let me skip the lines to the merchant line always since I had coin bags. For the $40K "value" I was getting, I thought it was worth my time. But I did at one poi...

I haven't done it in about 2 years but I churned about $250K over a 12 month period. There were people doing crazy things with them but I would order $50k at a time and slowly deposit them $5k at a time a various branches. Yes, they fill out a SAR on you since you depositing cash but I think the FBI...

I've been reading All About Asset Allocation by Rick Ferri and he says to buy HY, so everyone has an opinion.

I had split the pills for sometime. I then read that the action of lipitor was more than 1 day. With my physician's approval I began to take 80 mg every other day instead of 40 mg. each day. The effect on my cholesterol and triglyceride remained the same. LarryG LarryG, I actually had a discussion ...

I'm a pharmacist. Splitting the a pill is not illegal or insurance fraud. If you have insurance, the cost to you will be the same regardless of splitting or not because your co-pay will be same, because you will be given usually a 30 day supply at a time. ie. 15 to split or 30. The majority of the t...

Been using TaxAct for the past 3 years, I found that you can lock in the rate now and if you see a better rate later, you can still get that one. I find it no different or better or worse than TurboTax or Block I always spend the time to do my taxes in 2 programs, depending on who sends me a free CD...

Thanks everyone for the advice.

My old HR is just horrible. They can never answer any questions about anything. I assume, if I was able to get the match, I would have to keep my 401k account with them until next March.

Can someone help me out with a 401k question? I left my old company now and they contribute their match every March. I got this years match but now that I quit mid-year, even though I was contributing to the 401k, I lose out on the match now, right, since I quit and the match is a benefit of being e...

Here's another gem I just found out about my 403b. My match is a max of $600 for the first year. WTF? I just got a $6k match last year at my old job. To be fair, Sutter has some kind of pension plan, a cash value where they put in 6-12% of my salary but then it's vested after 3 years and on top of t...

I was naively expecting the same funds as my ROTH..haha.. I was also planning on rolling over my 401k to the new 403b since I might need to do a backdoor ROTH conversion, so I don't want any Rollover IRAs. I slice and dice a bit, so I was hoping for a decent domestic small cap, small cap internation...