Search found 1163 matches

by TravelGeek
Mon Nov 20, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch wants personal info--How to deal
Replies: 19
Views: 1507

Re: Merrill Lynch wants personal info--How to deal

Is there a “Know Your Banker” form we could design and send in response to such requests? :D
by TravelGeek
Mon Nov 20, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 18
Views: 1272

Re: HelloFresh meal boxes - disputing credit card charge

If you think that no reasonable person would interpret the offer your wife received as a subscription offer, send the material you received to the credit card company and let them decide. I don't know anyone here can ultimately tell you with any reasonable precision what your chances are without hav...
by TravelGeek
Sun Nov 19, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3434

Re: Oregon makes you save, unless you object. NYT article

This is a case of Oregon's overreaching government forcing people to save in a way that is harmful. Whether forced savings is a good idea or not is irrelevant to this discussion. The fact is that this plan sets a terrible example to those who don't have the knowledge to manage their own investments...
by TravelGeek
Sun Nov 19, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 538

Re: Can anyone help me with details on Portland Oregon Trip?

The Columbia Gorge is not really on the way to Bend from Portland It isn’t the shortest way, but it isn’t exactly a huge detour either, especially if you choose the route(s) based on preferred sightseeing opportunities (vs just going from A to B in the fastest time). E.g., Portland - Bend shortest ...
by TravelGeek
Sun Nov 19, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 538

Re: Can anyone help me with details on Portland Oregon Trip?

Plan sounds reasonable to me and will give you a good variety of activities and scenery. Perhaps if you think you’ll have a chance to come back, I would cut out the coast and do that another time with more extensive wine country touring. Regarding rafting, that easily takes up half a day at a minimu...
by TravelGeek
Sun Nov 19, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3434

Re: Oregon makes you save, unless you object. NYT article

I can say that when I was younger, I used Automatic Investment Programs at a few mutual fund places. I had between $250 and $500 a month going automatically from my checking account to a mutual fund every month. My employer offered such a program with Fidelity. I don’t recall all the details, but t...
by TravelGeek
Sun Nov 19, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 29
Views: 2411

Re: Your favorite Costco wines?

ClaycordJCA wrote:
Sun Nov 19, 2017 12:52 pm
If you haven’t done so already, check out Costcowineblog.com for suggestions.
Thank you for that link. :beer (why is there no :wine smiley)
by TravelGeek
Sun Nov 19, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3434

Re: Oregon makes you save, unless you object. NYT article

The parent could do something similar if they are interested in helping their kids. I matched my kid's summer jobs' earning and put the money into their Roth IRA. It does not have to be 100% or a big amount of money. <<I think there should be a required course in high school on financial literacy.>...
by TravelGeek
Sun Nov 19, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10230

Re: The valet smashed my Tesla into a brick wall!

Subaru's Eyesight is pretty well known to be the best in the business and the auto braking works. Maybe trade the Tesla for a new Legacy. I love my Subaru’s eyesight system, but I don’t want to see if it will stop me from driving it into a wall ;) I hate valet parking and will do pretty much anythi...
by TravelGeek
Sat Nov 18, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1805

Re: United change fees

This is why I like Southwest Airline better, no change fee. Alaska also allows changes or cancellations without fee if it is at least 60 days prior to departure. And it is “only” $125 otherwise (with exceptions for MVPG status). https://www.alaskaair.com/content/travel-info/optional-services-fees T...
by TravelGeek
Sat Nov 18, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1805

Re: United change fees

Dispute agreeing to the fee, which if I'm reading correctly, the OP didn't do. I wasn’t on the call with UA and the OP. I do know that a change fee is always “new money”, i.e. it does not come out of the residual value of the original ticket. That ultimately doesn’t matter too much, though, unless ...
by TravelGeek
Fri Nov 17, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 79
Views: 4948

Re: Tesla truck unnveil

In town delivery vehicles are another potential good application. UPS has actually be using hybrid trucks for years now, hinting at the possibility to go full electric. What's really interesting is I've starting occasionally seeing Smith Newton electric delivery trucks in my area with Frito Lay bra...
by TravelGeek
Fri Nov 17, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 79
Views: 4948

Re: Tesla truck unnveil

Too bad they can't make a swappable battery pack. Well... they did explore that. https://www.youtube.com/watch?v=H5V0vL3nnHY I don't follow Tesla closely enough to know all the reasons for it, but they seem to have stopped pursuing that in favor of superchargers. https://www.teslarati.com/tesla-shu...
by TravelGeek
Fri Nov 17, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 68
Views: 4215

Re: My dad's army jacket

Who cares what the social justice keyboard warriors tell you. Its your jacket...you want to honor your father...wear it proudly wherever you want! (bolding added) The OP, apparently, which is why he took the time to share his plan and ask for advice and feedback. Why do you have to insult other mem...
by TravelGeek
Fri Nov 17, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1805

Re: United change fees

One other thing for travelers to keep in mind for the future… If you don’t have status to make changes, book 2 one-way tickets rather than a round-trip. That way if you can’t make the flight out you only burn that flight, and not the other flight. I personally like one-way fares. But be aware that ...
by TravelGeek
Fri Nov 17, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 79
Views: 4948

Re: Tesla truck unnveil

Atilla wrote:
Fri Nov 17, 2017 9:52 am
Will the Tesla truck have an automatic slower traffic keep right feature?
And an automatic “don’t pass another truck with less than a 10 mph speed differential” feature, please. :happy
by TravelGeek
Fri Nov 17, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1805

Re: United change fees

DVMResident wrote:
Fri Nov 17, 2017 10:38 am
It's expected-it's United. Don't waste your time: challenge the charge with your CC. Let United and the CC fight over the charge.
Pretty much all legacy airlines have these fees and policies, and they aren’t new.

What reason would you suggest for the dispute?
by TravelGeek
Thu Nov 16, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2080

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

I am just shocked a phone only three years old is unsupported. The phone works great but I guess it would be risky doing banking on it. Did you ever get any OS updates during the three years you have owned it? (assuming you bought it new three years ago). Google's own Nexus and Pixel 1 phones were ...
by TravelGeek
Thu Nov 16, 2017 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 2917

Re: Bitcoin: Significance of 12 transactions per second?

Jerry55 wrote:
Sun Nov 12, 2017 7:11 pm
i don't like bitcoin because I can't fold it and put it in my wallet....
I think you actually can.... this guy put them (the keys) under his daughter’s pillow.

https://www.wired.com/story/i-forgot-my ... n-bitcoin/
by TravelGeek
Thu Nov 16, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2275

Re: Keep old cards active by paying yourself?

OP: Have you had problems with cards being canceled on you? This is yet to happen to me. Not the OP, but US Bank canceled a Flexperks card I had in my sock drawer for several years. I got it automatically when they lost the NW Airlines card contract as part of the Delta merger, and I had no desire ...
by TravelGeek
Tue Nov 14, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 46
Views: 2526

Re: Paying for news?

I don't think any of the 'real' newspapers are worth paying for either, with the possible exception of the WSJ. Journalism is dead. I strongly disagree. Journalism is far from its heyday right now and has plenty of problems, but professional journalism provides the resources to investigate and repo...
by TravelGeek
Tue Nov 14, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 1757

Re: Mozilla Firefox Donations?

I have donated to Mozilla in the past. Just downloaded the latest version and will have to spend time figuring out what changed and whether to make it my default browser. I do appreciate their efforts overall, just like I appreciate the existence of wikipedia, which also gets an annual contribution ...
by TravelGeek
Tue Nov 14, 2017 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6239

Re: Isn't it safer to NOT sign Credit card?

Do you really think that would do any good? It would be a waste of time. Perhaps it gets passed up the chain: "Customers do not like us rejecting unsigned credit cards." I try to avoid dealing with the Post Office to the degree that I can. Every once in a while, you don't have a good choice. I don’...
by TravelGeek
Tue Nov 14, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2709

Re: places to live near Stanford University

TigerNest wrote:
Tue Nov 14, 2017 12:09 am

Was it this house: http://fortune.com/2015/09/25/san-franc ... pest-home/

Edit: haha it sold for $622,000 earlier this year.
I was thinking of that one as well ;)

And wow. $622k!?
by TravelGeek
Mon Nov 13, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2709

Re: places to live near Stanford University

I think the days of East Palo Alto being the murder capital of the nation are long over. http://www.ktvu.com/news/east-palo-alto-once-the-murder-capital-of-the-us-has-been-homicide-free-in-2017 I think parts of Redwood City (and East P.A.) are probably still the least expensive areas in the vicinity...
by TravelGeek
Mon Nov 13, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6239

Re: Isn't it safer to NOT sign Credit card?

munemaker wrote:
Mon Nov 13, 2017 8:33 am

Things will never change if you don't push back.
Things will not change if you complain to the wrong guy. Did you write a letter to the Postmaster General with your concerns?
by TravelGeek
Mon Nov 13, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Laptop from Costco - Chase Freedom/AMEX
Replies: 9
Views: 946

Re: Laptop from Costco - Chase Freedom/AMEX

Why not get the Citi Costco Visa? It gives you the longest warranty. I believe 4 years. Alexa9, 1) Do I have to do anything to get this extended warranty? 2) Does this apply to other appliance such as humidifier? KlangFool I don’t know the answer, but I am curious, too, so I googled: https://www.co...
by TravelGeek
Mon Nov 13, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Laptop from Costco - Chase Freedom/AMEX
Replies: 9
Views: 946

Re: Laptop from Costco - Chase Freedom/AMEX

Hi, I am planning to buy laptop from Costco Online. I can use either AMEX and Chase Freedom online. Based on the extended warranty, which one is the card that I should use so that I can better coverage for my laptop - Chase Freedom -AMEX Blue Thanks, JR Did you see something on their web site that ...
by TravelGeek
Sun Nov 12, 2017 1:37 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 2966

Re: Fidelity 10X Retirement Rule - - Valid???

No, because salary can be meaningless. Expenses are what matters. There are bunch of assumptions baked into any "rule" that uses your salary/income, which may not apply to you. Expenses are the correct metric. You have to replace your SPENDING in retirement, not your income. I agree. To some degree...
by TravelGeek
Sat Nov 11, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6239

Re: Isn't it safer to not sign Credit card?

What we typically do is write the words “ASK FOR ID” in that space. My daughter does that, and even when the clerk turns the card over and looks, they still don't ask for her ID. Post offices don't (or aren't supposed to) accept those cards, either. Apparently no merchant is supposed to accept them...
by TravelGeek
Sat Nov 11, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6239

Re: Isn't it safer to NOT sign Credit card?

My check book never leaves my home. It is typically in my safe. If a thief got ahold of that, I would have bigger problems than them having a sample of my signature. If someone knows your name, account number and bank routing number, they can print checks. Whenever you write someone a check, they g...
by TravelGeek
Sat Nov 11, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2312

Re: 450,000 American Airlines gifted to me - how to book

I don't know if it is "fraud" if someone gives you their credentials and authorizes you to book a flight. I have to think many people, especially older, give their credentials to someone else to help them with various accounts. I am not a lawyer, but I think at most it is a violation of AA’s terms ...
by TravelGeek
Fri Nov 10, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6239

Re: Isn't it safer to NOT sign Credit card?

My check book never leaves my home. It is typically in my safe. If a thief got ahold of that, I would have bigger problems than them having a sample of my signature.
by TravelGeek
Fri Nov 10, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7242

Re: Personal letters to the sellers of your house can work!!!

We sold our house about three years ago in a great seller's market. We had three offers the first day, two above the asking price - both cash. We got two "heartfelt" letters from the potential buyers about how much they loved the house. We didn't pay much attention to the letters and went with the ...
by TravelGeek
Fri Nov 10, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8073

Re: $23k credit card emergency

Lots of good answers with helpful replies. I won’t rehash what’s already been said. Just one quick thing: Spotify - $15 Did they stop broadcasting free music on FM frequencies in LA? ;) It is “just” $15, but if I were you I would cut things that aren’t truly necessary out of my budget until I can af...
by TravelGeek
Fri Nov 10, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2312

Re: 450,000 American Airlines gifted to me - how to book

The airlines are getting more and more strict and so I would somehow get the miles transferred to you as soon as you reasonably can. You cannot transfer them at reasonable cost. OP should have his relative book the trip for him/her or ask for the account credentials. If you want to be 100% sure you...
by TravelGeek
Thu Nov 09, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

The article authors tiptoe around the issue and hedge with "not enough research." But as, physically speaking, white reflects the entire color spectrum, it should be more visible under all conditions. I agree that it's not an excuse to drive more dangerously, but when all else is equal, it may prev...
by TravelGeek
Thu Nov 09, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4559

Re: My (general) contacts with Treasury Direct re loss & liability

I'll post here again if I get any useful reply. If the experience in the original post is a guide, it may take a while. All of which is still slightly off-topic from the original issue of whether Treasury Direct will do anything to make a customer whole for account losses attributable to a failure ...
by TravelGeek
Thu Nov 09, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature. Victoria My wife won't buy a white car after reading about a driver in a white car driving into a ravine on the side of the road so...
by TravelGeek
Thu Nov 09, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 37
Views: 4559

Re: My (general) contacts with Treasury Direct re loss & liability

One thing, in addition to the obscure law that allegedly covers stolen iBonds from my TD account, that has been bothering me is that I probably have no way of proving that my credentials were in fact not used to access my account. As I was looking around the TD site, I came across this feature: Cust...
by TravelGeek
Wed Nov 08, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1179

Re: Password manager without browser extension?

The iOS app is free (or was free when downloaded it—not sure if it still is). I think it had some optional "pro" features that you could activate if you wanted to pay for them. Now when I read the description it talks about a free trial. Bit confusing (like their entire cloud/subscription rollout).
by TravelGeek
Wed Nov 08, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25363

Re: Vanguard's new security key option

I won't admit here to ever sharing my credentials with my spouse, but once I learned from this forum that you can grant access to certain features of your account to other users, this is what I did. Much easier to keep an eye on my wife's accounts by having them simply appear within mine than having...
by TravelGeek
Wed Nov 08, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1179

Re: Password manager without browser extension?

But I let keychain fill in my passwords and forms. It actually works better than 1Password. For example, 1Password won’t fill in my password on the chase site but keychain will. Also, credit cards, addresses, etc are very handy when ordering stuff online. I recently had to purchase some tix in my p...
by TravelGeek
Wed Nov 08, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1179

Re: Password manager without browser extension?

I am using 1Password, and I don’t think it requires you to install a browser exension (I say “think” because I don’t have the latest version because I don’t want to move to a subscription model). You say you don’t want Keepass. I have never used it, but it might help some offering suggestions to kno...
by TravelGeek
Tue Nov 07, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25363

Re: Vanguard's new security key option

Also most 2FA systems do NOT ask you for a phone number, they send the message to a preconfigured number. Are there 2FA systems that ask you where to send the code? (and if so, hopefully they don't just accept any random number...) :shock: Most I have seen will send to a preconfigured number (on yo...
by TravelGeek
Tue Nov 07, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19535

Re: To take or not to take delivery of Tesla 3

3. Lvl. 3: "Fast Charge" "DC Fast Charge" "Superchargers" are the common names for these chargers. They are a direct shot into the vehicle and bypass the onboard charging equipment. Generally an 80% charge is obtained in 20 to 40mins. Tesla has a bunch of these superchargers all over and DC fast ch...
by TravelGeek
Tue Nov 07, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25363

Re: Vanguard's new security key option

Ah wait a minute... - this implies to NOT redirect voice calls and text messages from Google Voice to your primary cell phone though. Otherwise, if your cell phone is compromised, you're back to square 1, right? - but... I also have access to my e-mail on my cell phone (and I am not going to give u...
by TravelGeek
Tue Nov 07, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Using my and spouse's Chase Reserve travel credit for hotel gift card/future hotel stay
Replies: 3
Views: 579

Re: Using my and spouse's Chase Reserve travel credit for hotel gift card/future hotel stay

This would probably be the thread for you: https://www.flyertalk.com/forum/chase-ultimate-rewards/1787630-chase-sapphire-reserve-300-annual-travel-credit.html It is generally not a problem to break a hotel stay into multiple reservations. Just show the agent at check in time this you have three book...