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Re: TradingPlaces' advice on travel awards

caklim00 wrote:No Redbirds near me even though there are tons of Targets :(

Just canceled my Serve account since I'll be hit with the monthly fee starting next month and I'm back to owning a Bluebird card. Maybe I should have kept the Serve...


Lots of places to buy Redbirds online safely.
by nonnie
Wed Mar 25, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 18322

Re: Flat Fee Advisor - Cardiff Park Advisors?

Atlrock wrote:Ditto! My experience is very similar to Narase's. Solid operation.


Another satisfied Cardiff Park Advisor client. John Gorlow is the best!
by nonnie
Sun Mar 22, 2015 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 43
Views: 7616

Re: TradingPlaces' advice on travel awards

The regular Amex Serve card may be more up your alley. You can order it online, and you can do all the credit card loads online. You're limited to loading $1,000 a month from credit cards, but that's better than nothing. If you have a cellphone that is compatible and sign up using it your monthly l...
by nonnie
Sun Mar 08, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 18322

Re: TradingPlaces' advice on travel awards

Welcome back, Nonnie! Now that you are a travel awards pro, you can resume your contributions to the Bogleheads. Victoria I fear you left off the smilie on the above remark :happy . Unfortunately, we've just accumulated the miles and I haven't yet started spending them or pursuing more knowledge. T...
by nonnie
Fri Feb 27, 2015 7:24 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 18322

Re: TradingPlaces' advice on travel awards

I used to be fairly active on the BH forum until I discovered the "hobby" of travel awards and points last summer! I went into it full steam and found it rewarding AND somewhat addicting. I'm taking a bit of a hiatus now as one can spend as little or as much time as one wishes with the rew...
by nonnie
Fri Feb 27, 2015 7:01 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 18322

Re: Selecting a Medigap Policy with 28 Choices

This is an old thread but the poster asks a question that is very relevant to me now: What is the best way to compare Medigap policies? I am most concerned with price for a high deductible Part F in the city of Los Angeles. I have used Ella Fox at American Retirement 1-800-233-2747 http://americanr...
by nonnie
Sun Feb 01, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 3717

Re: Fixed-Fee Advisor in Texas

The link below is probably a good start; you can search by Zip Code, Address, or last name. Good Luck, http://www.napfa.org BUMP! Yes. This is the site he needs. Fee only. Everyone else has a conflict of interest. Good link and website. However, you go too far when you say "everyone else has a...
by nonnie
Sun Oct 12, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1556

Re: Fixed-Fee Advisor in Texas

I am new to the Bogleheads forum, but I've been able to read several of the posts and find them informative with sound investment advice. I am hoping some of you can provide recommendations on fixed-fee advisors in Texas. I am flexible on the location as I travel throughout Texas. Appreciate you ta...
by nonnie
Sat Oct 11, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1556

Re: Fixed-Fee Advisor in Texas

Rick Ferri, a contributor to this forum is a financial adviser in Texas, I believe near San Antonio. Not sure if he is fixed fee. Allan Rick Ferri's firm is Portfolio Solutions and they are based in Troy, Michigan. Rick lives in Texas and according to the firm's website "is responsible for res...
by nonnie
Fri Oct 10, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1556

Re: Splurge vacation recovery--Hawaii or?

Please stay on-topic, which is where to go on vacation. We're straying into a general rant about hospital care, which is taking this discussion off-topic. Start a new thread if needed. Also, please don't post any hospital names or personal info. Thanks. I was just about to do a post figuring I coul...
by nonnie
Wed Oct 08, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3188

Re: Splurge vacation recovery--Hawaii or?

How about Ventana or Post Ranch Inn in Big Sur? Probably not warm, but definitely good for R & R and close to home for you. I have never stayed at Post Ranch Inn, but we did stay at Ventana once for a wedding anniversary and it was lovely: warm pool, lots of hiking nearby, excellent restaurant....
by nonnie
Tue Oct 07, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3188

Re: Splurge vacation recovery--Hawaii or?

Go somewhere you haven't been. Have you been to Costa Rica or Belize? The official language in Belize is English, if that matters to you. We starting to lean toward the "stay home" at least until the first of the year so as not to put undue pressure to recovery w/added stress of any kind ...
by nonnie
Tue Oct 07, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3188

Re: Splurge vacation recovery--Hawaii or?

I second the suggestion for Baja Sur — Cabo San Lucas, La Paz, and Todos Santos are all amazing. This place might not be your style if you like all-inclusives, but check out Rancho Pescadero in Todos Santos just north of Cabo San Lucas. It's a small boutique hotel with incredible service, good food...
by nonnie
Tue Oct 07, 2014 6:45 am
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3188

Re: Splurge vacation recovery--Hawaii or?

San Diego Cabo San Lucas Have fun! Thanks but coincidentally recovery week and hospital was San Diego so don't think that's in the cards. Cabo San Lucas is not only my idea of hell but it's been devastated by a hurricane. :( I have been looking at Loretto, though, as they were spared hurricane dama...
by nonnie
Tue Oct 07, 2014 6:35 am
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3188

Splurge vacation recovery--Hawaii or?

We recently vacationed at an upscale resort to celebrate our 9th anniversary and my SOs recovery from extensive orthopaedic surgery and life threatening complications from pulmonary emboli after the surgery. Halfway through the one week stay I came down with the worst intestinal distress I've ever e...
by nonnie
Mon Oct 06, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 3188

Re: Paypal and Citibank credit card

Thanks for the feedback so far. I'm looking for a particular data point. Have either of you used Citi cards? The reason I ask is that Citi have a reputation for doing hinky things and they absolutely will code any transaction you do with a financial institution as a cash advance. I haven't used Payp...
by nonnie
Fri Jul 04, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paypal and Citibank credit card
Replies: 5
Views: 536

Paypal and Citibank credit card

I need to send money to someone who will only take Paypal. It's a large enough amount that I want to use my Citi Advantage mileage earning credit card. I know Paypal will charge 2.9% (that negotiation has already taken place with the seller). What I can't figure out--and Cti CSR folks are totally cl...
by nonnie
Fri Jul 04, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paypal and Citibank credit card
Replies: 5
Views: 536

Re: Anyone use Wells Fargo Bank?

Anything I need to know about banking with Ally long distance? Pluses or minuses? Nonnie I don't have checking there, that's still at WF. I pay day to day expenses on Amex and then pay that in full from checking. So my checking account sees very little activity. At Ally I have CDs and a savings acc...
by nonnie
Wed Jul 02, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 8022

Re: Anyone use Wells Fargo Bank?

All my other banking is with Ally at this point. The insultingly low rates at WF tell me they don't want any more of my business. It's almost funny how they continue to pitch us their savings account du jour when we visit. We're thinking about consolidating our banking relationships-- USAA account,...
by nonnie
Tue Jul 01, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 8022

Re: Top Registered Financial Advisers -FT report

Thanks Nonnie. I'm glad Cardiff made the list, but Portfolio Solutions, Altruist, Soundmark, Buckingham and several others you might expect did not make the list. Fisher did in WA, so my conclusion is the list is bogus. Paul Evanson Asset Management didn't make the list either. Buckingham is very d...
by nonnie
Mon Jun 30, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Top Registered Financial Advisers -FT report
Replies: 3
Views: 488

Re: Anyone use Wells Fargo Bank?

I've moved money both ways without fees but the transfers are always initiated from Schwab using their "MoneyLink" function. The free checks were the second or third bunch I had ordered since opening the account 8 years ago. The literature I received from Wells Fargo describing their vari...
by nonnie
Mon Jun 30, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 8022

Top Registered Financial Advisers -FT report

The Financial Times has a new report "FT 300 Top Registered Investment Advisers" saying "In a field of outstanding financial professionals, the FT 300 should be considered a list of truly exceptional adviser firms. In addition to listing their "Top 300" there is a three-page...
by nonnie
Mon Jun 30, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Top Registered Financial Advisers -FT report
Replies: 3
Views: 488

Re: Anyone use Wells Fargo Bank?

Here in Georgia, my Crown Classic account at Wells Fargo (formerly Wachovia) is still free. I do not pay for a small safe deposit box or their excellent bill pay. I do not have a brokerage account at Wells Fargo and only have to maintain a balance of $1000 in the checking account. I move money betw...
by nonnie
Sun Jun 29, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 8022

Re:

I have a Crown Classic checking account at Wachovia designed for senior citizens. I get a safety deposit box and only need to maintain a $1000 balance. [This is bank, not brokerage] I expect my account to go away within a year and that I will be charged for the safety deposit box at the next renewa...
by nonnie
Sat Jun 28, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 8022

Re: best cash back credit card

I'm shredding my credit cards, not applying for new ones. I am doing the opposite. While I am still working, I don't have time for investigating and using credit card offers. In retirement, I will have more time and may be able to save a few hundred dollars per year. So far, I've requested two card...
by nonnie
Wed Apr 09, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 308476

Re: Advice on cell phone plans:

Prudent, I need long distance and texting. Occasional photos being texted, but that is about it. Bloom, Thanks for pointing me in the right direction. Another plan to check out is: Page Plus. They have pay-as-you-go and also low monthly plans. You can subscribe directly (they are a Verizon reseller...
by nonnie
Wed Apr 02, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Advice on cell phone plans:
Replies: 5
Views: 1006

Re: Setting up money management practice as part time MD

Is this even reasonable for a doc interested in finance? Working mostly with medical trainees and other attending physicians? Practice building through lectures at local medical schools, residencies, etc. What credentials if any are needed? Seems like a fellow physician would garner more trust than...
by nonnie
Wed Apr 02, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Setting up money management practice as part time MD
Replies: 11
Views: 1517

Re: best tips for passwords?

I use KeePass with Windows, Linux, Android and iOS without any problems. They all use the same database formats and can share databases. And just so you know there are two database formats for KeePass, version 1 and version 2. Both are still actively developed. Version 1 has better compatibility wi...
by nonnie
Mon Mar 31, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 12063

Re: Roth recharacterization- Form 8606T Explanation

The recommended explanatory statement would be constructed like this: "On rr/rr/2013 I converted 13,000 to my Roth IRA, and on ss/ss/2014 I recharacterized 3,000 of that conversion which was then valued at x$, back to my traditional IRA". You are correct, the IRS often never reads these s...
by nonnie
Sun Mar 30, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 560

Re: best tips for passwords?

I don't have RoboForm, but KeePass claims to be able to import the data: File Formats - KeePass I use KeePass, as it's totally offline. Last Pass has online storage - which breaks the "Trust No One" approach to security. It might be OK, but I prefer to keep things totally offline (or heav...
by nonnie
Sun Mar 30, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 12063

Re: best tips for passwords?

I've been using pw manager RoboForm for quite some time and have been pretty much satisfied with it. However, despite hopes, promises and new versions their mobile/tablet version is horrendous. I never do anything financial or requiring security on my tablet and thought that perhaps I might just use...
by nonnie
Sat Mar 29, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 12063

Re: Roth recharacterization- Form 8606T Explanation

perhaps also the date and the institutions involved so that even you could reconstruct the event years from now when you might be asked to prove what happened. I have the 1099 for the original transaction and custodian with notes on the recharacterization but since I only save the tax returns thems...
by nonnie
Sat Mar 29, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 560

Re: Roth recharacterization- Form 8606T Explanation

On mine I just wrote "Recharacterized $3,000 to traditional IRA from Roth IRA plus $XXX in earnings/gains for a total of $X,XXX sent back to traditional IRA." I'm not sure if that is exactly what they are looking for but I have done that for a few years now and haven't had any problems Fi...
by nonnie
Sat Mar 29, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 560

Roth recharacterization- Form 8606T Explanation

I recharacterized $3000 of a $13,000 taxable IRA rollover to my Roth and now Turbo Tax wants an explanation--on what they call -Form 8606T- for the recharacterization. Nobody at IRS will ever see the form unless I get audited so I'm sure it doesn't make any difference what I write but I'm curious--w...
by nonnie
Sat Mar 29, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth recharacterization- Form 8606T Explanation
Replies: 8
Views: 560

Re: Inexpensive cell phone- Verizon

Nonnie - the Tracphone stuff is confusing. [snip] When you purchase a Tracphone, you want one that was designed to work on Verizon and locked to that home network. [snip] That's essentially what the article is describing. They are telling you which zipcodes to give when your order a Tracphone so th...
by nonnie
Mon Feb 24, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

Nonnie - There are two phone technologies: GSM and CDMA. GSM phones use a small removable SIM and CDMA phones have their network circuitry built into the phone itself. AT&T / T-Mobile are GSM, and Verizon/Sprint are CDMA. So you have to make a choice between GSM and CDMA, or sometimes the choic...
by nonnie
Mon Feb 24, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

If you have WiFi internet, I'd consider T-Mobile's prepaid plans. T-Mobile has built in wifi calling and a Nokia Windows 8 phone is some $50 without contract. I personally, used this phone and highly recommend it. You can even buy a clamshell Samsung phone at Target for $20. The phone will use your...
by nonnie
Mon Feb 24, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

I'm on page plus but switching to selectel when my balance runs out. What I don't like about page plus is data is a ripoff .99/MB on the standard plan, but my usage is not even enough to consider the $12 250 minute/250 text plan where data is .10/MB. With selectel I can get 2000 mins, 1500 texts fo...
by nonnie
Mon Feb 24, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

With an MVNO that uses more than one network. like Tracfone, if I *did* have a phone that is compatible with both AT&T and Verizon would it try to connect to AT&T first and would I then be in danger of it trying to connect to AT&T and perhaps getting a very weak signal but then I'd be s...
by nonnie
Sat Feb 22, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

Is there a summary of these "off-brand" services? Should I be looking into this? Whats the difference b/w paying Verizon $100/mo and paying one of these other brands $50/mo unlimited? What's the catch?? Yes, you should be looking into this. Different MVNOs (resellers) have different plans...
by nonnie
Sat Feb 22, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

[ http://www.tracfone.com/questions.jsp#/includes/content/questions/General.jsp?enId=FA10035&esId=FA10036&a=13930838 If you can use this coverage map more power to you--it goes by phone and zip code . When I called Tracfone they told me I "had coverage." When I asked them what pho...
by nonnie
Sat Feb 22, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

Nonnie, I have both page plus (for an iphone 4s) and tracfone (for 1 feature aka dumb phone AT&T network, 2 smart phones Verizon network). Based on your limited usage tracfone would be the better deal. Tracfone uses both AT&T and Verizon network. However you can indirectly choose which netw...
by nonnie
Sat Feb 22, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

Browser-- I appreciate that you are trying to help me but I'm not sure what you are trying to accomplish. What would I gain from this experiment since I already KNOW that AT&T doesn't work at my house and I do know that Verizon does. Why would I want to risk roaming and dropped calls? And for th...
by nonnie
Fri Feb 21, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

I've found Kitty's forums to be very helpful in choosing phones and getting other Page Plus/Kitty Wireless specific questions answered. http://www.kittyforums.net/forum.php Thanks, I posted there and was told what I wanted didn't exist! Take a look at Verizon Palm Pixi Plus phones on eBay. They are...
by nonnie
Fri Feb 21, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

Virgin Mobile is on Sprint. Ting is also on Sprint, very inexpensive. If you have a Sprint phone, it can be activated on Ting. However, Ting has roaming on the Verizon network, which Virgin Mobile does not. Whether it would roam in your location is uncertain, since you are apparently in a Sprint co...
by nonnie
Fri Feb 21, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

FrugalInvestor wrote:I've found Kitty's forums to be very helpful in choosing phones and getting other Page Plus/Kitty Wireless specific questions answered.

http://www.kittyforums.net/forum.php


Thanks, I posted there and was told what I wanted didn't exist!
by nonnie
Mon Feb 17, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Inexpensive cell phone- Verizon

I'm the OP and life got away from me and I didn't make a change. I'm now ready to go with either PagePlus or Kitty. I can't see any differences in the rates except perhaps the one time charge for a new number--what am I missing? I want a very basic prepaid plan (will start with the $10 card--which s...
by nonnie
Mon Feb 17, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive cell phone- Verizon
Replies: 45
Views: 3896

Re: Should I move to California from Midwest?

(a) The driver of a vehicle shall yield the right-of-way to a pedestrian crossing the roadway within any marked crosswalk or within any unmarked crosswalk at an intersection , except as otherwise provided in this chapter. That law may work someplace in CA but I sure don't know where. My rule of thu...
by nonnie
Sat Dec 21, 2013 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 8465

Re: Should I move to California from Midwest?

The new job will be stressful because 1) I am actually somewhat new to the field even though I have general knowledge of it. (I have a PhD in engineering field). 2)long hours, from what I heard about this company, due to new product release pressure What's your definition of long hours? 60? 70? 80 ...
by nonnie
Fri Dec 20, 2013 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 8465
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