Search found 903 matches

by TravelGeek
Thu Jul 20, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3260

Re: Is Amex Platinum worth the high fees?

I have the personal Amex Plat card. Pretty much the only charges I put on the card is airfare, which now earns 5X MR points. For most of my spend, my CSR is much better. Anyone needs to determine the value of the benefits. I personally won't get much if any value out of Uber, so the annual fee incre...
by TravelGeek
Wed Jul 19, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 3927

Re: Flying first class/ business......

If the airline cannot provide seating in a similar first or business class as first booked, our we simply out of the money for the upgrade? If it is the airline's fault, they would refund the difference in fare. Or if it is a flight operated by a carrier subject to EC 261/2004 regulations (all EU c...
by TravelGeek
Sun Jul 16, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 1469

Re: Hearing 3 beeps in Prius 2005

Suggest you check the forums at priusonline.com and priuschat.com. A quick google search showed several threads, but I didn't click on them to see if they apply to your case.
by TravelGeek
Wed Jul 12, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7107

Re: Do you count vehicle equity in net worth?

To me, net worth is the sum total of my estate after all final expenses. So yes, whatever my vehicles would bring on the used-car market is part of that. (I currently have no outstanding auto loans.) So do you count things like furniture too? Just curious. I get your point and that's the technical ...
by TravelGeek
Wed Jul 12, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3435

Re: Delta Air - various classes of service

Not true. In 2017 "Basic Economy" refers to a special fare class (not plain old economy seating, e.g. main cabin) that usually doesn't give you seat assignment until boarding, prohibits changes of any type for any fee, charges extra for any type of carry-on or checked baggage, prohibits u...
by TravelGeek
Tue Jul 11, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 3948

Re: What to wear for job interview - skip the tie?

I'll be the contrarian. I've never worn a suit or tie to an job interview. I just wore button up shirts and khakis. I never had a problem getting job offers. I was also an engineer working for companies where suits and ties were never worn on a daily basis as well. I have interviewed dozens of cand...
by TravelGeek
Thu Jun 29, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Unused plane ticket
Replies: 6
Views: 1171

Re: Unused plane ticket

Don't cancel in advance if there is no way to get residual value out of it. If the flight cancels for some reason (e.g. mechanical problem, inbound plane delayed, ...), you might be able to get a refund. If you do end up no-showing, don't make it a habit. It's a violation of the ticket rules, but th...
by TravelGeek
Sat Jun 24, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 33
Views: 3640

Re: Chase hotel credit cards / IHG Anniversary Free Night

I have used the free night three or four times now. Never paid extra. But note that award nights aren't always available (per T&C; but I have personally not had this happen for my trips).
by TravelGeek
Sat Jun 24, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 5797

Re: Bay Area housing

I live in the Bay Area There are a lot of bays is this country. What bay are you referring to? My guess would be it is the Bay Area that Google returns as the top search result :) We have the cash for a down payment and would hold the condo as a rental. Do you have the income for home payments? How...
by TravelGeek
Sat Jun 24, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2648

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Not sure about "place to stay", but as a place to stop and see something, check out:

https://www.billieswamp.com
by TravelGeek
Fri Jun 23, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 1641

Re: American Airlines double charged me!

Wife and I are traveling internationally with lap infant. Tix cost 670 per person paid in advance. When my wife called to tell AA we have a lap infant they said sure no problem, it'll be 20 dollars for the lap infant. No additional charges. The $20 fee sounds wrong. No personal experience, but from...
by TravelGeek
Thu Jun 22, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8472

Re: Costco vs. Amazon - Thoughts of Prime Members?

I shop at Amazon. My wife doesn't mind going to Costco. We benefit from both. We don't use Amazon to shop for groceries or other pantry items. I can't really see us order from Whole Foods online (and its at the end of town, so not really convenient for regular grocery trips); I would like to see the...
by TravelGeek
Thu Jun 22, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 450

Re: storing loyalty/membership cards digitally?

I keep the numbers, usernames and passwords in KeePass. Yes (except I use 1Password). The physical cards are mostly in my safe (or shredder). The only physical cards I carry (other than credit/ATM) are - library (bar code scanner) - AAA (some hotels ask; not sure if tow truck driver would ask) - he...
by TravelGeek
Sun Jun 18, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6029

Re: Do You Take Your Credit Card Receipts?

If you fear the 4-digits can be used against you then at a lot of places you might be better off NOT taking a receipt - specifically I'm talking about the many vendors that ask you if you want one and don't print one if you say no. If its printed - it can be lost and found and used. Quick google se...
by TravelGeek
Wed Jun 14, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6029

Re: Do You Take Your Credit Card Receipts?

I take them, and keep them for a couple days. My theory is that errors in tip entry are less likely to occur when you take the receipt. But don't they print your receipt before the tip and signature is put on their copy? That has been my experience so I don't see that taking the receipt would chang...
by TravelGeek
Tue Jun 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 2765

Re: Employee theft - How best to proceed

First off, so sorry this is happening to you and your colleagues. Second, it looks like there are a couple distinct causes of action with distinct "victims". For the first part, i.e., fraud against patients, you have identified the key roadblock, which is non-participation of patient/vict...
by TravelGeek
Mon Jun 12, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5846

Re: Have you canceled (sic) cable?

Slightly off topic, is the spelling of "Cancelled" and similar words an " age thing "? I was taught to use a double "l" and it just doesn't look right as above. I often see it both ways on TV. Just wondering... Gill More a geography thing :) https://www.grammarly.com/b...
by TravelGeek
Sun Jun 11, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Goldman Sachs bank now blocking online access from overseas
Replies: 9
Views: 913

Re: Goldman Sachs bank now blocking online access from overseas

Blocking access to accounts from out of the country can be a useful tool towards complying with a number of US regulations. It would seem to prevent a significant amount of hacking from overseas. Because hackers don't know about VPN services? Any organization on any project has to start somewhere s...
by TravelGeek
Sun Jun 11, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1907

Re: Best way to book multi-city international airfare itinerary?

Options: 1. Buy her business class/first class/whatever tickets so that the tickets are refundable or she can be priority re-booking Don't assume that all business class fares are refundable and that all economy fares aren't. Try booking DFW-SCL on americanairlines.com. There is a "toggle"...
by TravelGeek
Sun Jun 11, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Goldman Sachs bank now blocking online access from overseas
Replies: 9
Views: 913

Re: Goldman Sachs bank now blocking online access from overseas

123 wrote:Blocking access to accounts from out of the country can be a useful tool towards complying with a number of US regulations. It would seem to prevent a significant amount of hacking from overseas.


Because hackers don't know about VPN services?
by TravelGeek
Sun Jun 11, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10459

Re: Jim Rogers predicting "crash of a lifetime" this year or next

I listen to him for the same reason that I listen to Jim Cramer. They made their fortunes as hedge fund managers and know an awful lot about the markets. Doesn't mean you have to agree with their predictions or with their opinions. I find that if I listen even to people that I disagree with that I ...
by TravelGeek
Sat Jun 10, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10459

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Jim Rogers is not an idiot. He was co-founder with George Soros of the Quantum Fund. He is worth listening to but his record as a forecaster is questionable to say the least. He is a commodities bug and I remember him being very bullish on commodities. What he didn't predict was that the commoditie...
by TravelGeek
Sat Jun 10, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 1702

Re: learning Arabic

Check if your local library has language courses on "tape" (CD). My wife used Pimsleur CDs to learn some basic phrases before we went on a trip to Jordan. She wasn't by any means fluent (and reading/writing is an entirely different story), but her time investment was just some commute hour...
by TravelGeek
Sat Jun 10, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 33
Views: 3640

Re: Chase hotel credit cards / IHG Anniversary Free Night

IHG is a very nice card to keep around for a $49/yr hotel stay and Platinum Elite status, but when it comes to spending $ on it there's no value in doing that unless you're booking a IHG property AND getting a bonus of some sort. Without the bonus I'd prefer 3x Citi or Chase pts per dollar over 5x ...
by TravelGeek
Mon Jun 05, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: New iPad use
Replies: 34
Views: 2960

Re: New iPad use

Get a router and don't put the iPad in your pocket. You must have very large pockets. It's 5.3" wide. It fits snugly in the pocket. As I said, would not sit with it in there. Otherwise, what would you suggest? Carrying it around in my hand would it seems to me be more dangerous, dropping or le...
by TravelGeek
Fri Jun 02, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3479

Re: Book - The New Retirementality

No comments, but thanks for the recommendation. Put it on hold at my library.
by TravelGeek
Wed May 31, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 818

Re: IBonds count as part of bond allocation?

When I want to log in to TD, I edit the page's HTML to remove the readonly="readonly" attribute from the password input box and then copy/paste from my password manager software. It takes me only a bit longer than logging into any other site. LOL. Your post inspire me to search if there i...
by TravelGeek
Wed May 31, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3640

Re: Job offer without an in person interview

I have hired people that I didn't have a chance to meet face to face (different country/continent). Usually I have several other team members talk to them as well. And in recent years I have used video conferencing instead of pure voice calls. Can be a bit challenging with technical interviews. I mu...
by TravelGeek
Tue May 30, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4831

Re: Lufthansa Premium Economy

Premium economy by whatever name is essentially what economy seats were like before the airlines began putting the squeeze on. I have been flying across the Atlantic for nearly 30 years. There were still smoking zones the first few years (yuck!). In-Flight entertainment was a movie projection scree...
by TravelGeek
Fri May 26, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Can I really pay no capital gains on $100k?
Replies: 31
Views: 6141

Re: Can I really pay no capital gains on $100k?

In the past I used TaxCaster a lot. But about a year ago it adopted a question-and-answer interface that I find cumbersome. Also, if doesn't yet seem to let one choose 2017 as the tax year. These days I generally just use my spreadsheet. Thanks for sharing your spreadsheet. While it was easy to ent...
by TravelGeek
Thu May 25, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can I really pay no capital gains on $100k?
Replies: 31
Views: 6141

Re: Can I really pay no capital gains on $100k?

TaxCaster is really easy to use for these types of what-if questions. And free. I have it on my iPad and my Android phone. Also online: https://turbotax.intuit.com/tax-tools/c ... taxcaster/
by TravelGeek
Thu May 25, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4831

Re: Lufthansa Premium Economy

Thanks TravelGeek, good to know. Wonder how much more expensive than my typical economy seat. It can vary a lot. It's not a fixed "surcharge" but rather separate fare classes. It could be 50% more than lowest available coach, or it could be less (e.g. if the cheap coach fare classes are s...
by TravelGeek
Thu May 25, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4831

Re: Lufthansa Premium Economy

cheapskate wrote:This is the first time, I have paid extra for seats, will know shortly whether this was worth it :). LH can always change the aircraft type for the flight I am on, for example.


They can, but it's rare; if your flight is soon, I would not worry about it.
by TravelGeek
Thu May 25, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4831

Re: Lufthansa Premium Economy

cheapskate wrote:SeatGuru's comments corroborate what you felt, these exit row seats in Economy have as much (or more) legroom than PE on Lufthansa.


Near infinite legroom. Until the space turns into a waiting area for the nearby lavatories.
by TravelGeek
Thu May 25, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

What insider? One from fidelity? Yes I think fidelity would be liable. One from mint? In that case intuit would be liable. A hacker? I think that's the Grey area. The hacker would have to get intuit internal data. Not just mint logins. Which means all TurboTax data would be susceptible too. Unless ...
by TravelGeek
Thu May 25, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1933

Re: Save mobile deposit checks?

I get very few. If I do, I write the date and bank on the back (after depositing) and then throw them in my shred pile (a box in a closet with stuff that I plan to shred on a future sunny day in the backyard). That most likely gives me about 2 months to recover it if needed. Has never happened. I do...
by TravelGeek
Wed May 24, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

They wouldn't be going up against an individual, it'd be a large group of individuals in a class action lawsuit in my opinion if a breach occurred. I'd hate to be part of that first group that gets breached and hacked, but I think you guys are being a little paranoid. Or maybe I'm just being naive....
by TravelGeek
Wed May 24, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

Since I have see what is coming regarding handing over user name and password to a third party for asset verification purposes(formfree) during the mortgage application process. I see a double standard forming what is Fidelity going to do, void you for applying for a home loan? You were asked to pr...
by TravelGeek
Wed May 24, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4831

Re: Lufthansa Premium Economy

On American airlines it's call Main Cabin Extra, the seats are 3-4 wider and 6" more leg room, it doesn't sound like much but on a 12 hour flight it's worth the $100+ extra for me. Main Cabin Extra is an extra legroom section, but not really more. American's version of LH's Premium Economy is ...
by TravelGeek
Wed May 24, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4831

Re: Lufthansa Premium Economy

You'd probably get better answers to the actual question (Lufthansa Premium Economy any good?) on Flyertalk. E.g., in this thread: https://www.flyertalk.com/forum/lufthansa-austrian-swiss-brussels-lot-other-partners-miles-more/1645203-reviews-feedback-lh-premium-economy-flights.html I have never flo...
by TravelGeek
Wed May 24, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

It would be interesting (for those using Mint etc.) to ask Fidelity Legal for an authoritative answer whether they consider use of Mint or Yodlee a violation of the T&C for the Protection guarantee. Best to include little factoids mentioned in this thread such as - that they use Yodlee themselve...
by TravelGeek
Wed May 24, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

I dont use Mint anymore but I'm not sure how Fidelity would figure out that a Mint compromise is how you got fraud on your account. What I'm saying is, I wouldn't worry about it. They probably wouldn't know that a Mint compromise was the cause, but they do know whether you are allowing Mint to acce...
by TravelGeek
Wed May 24, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

Is the issue of giving your passwords to an aggregator (such as Mint) any different than the issue of giving those passwords to password management software? Either way you are trusting the security of your financial passwords to software that may have vulnerabilities. In the case of Mint, the cred...
by TravelGeek
Wed May 24, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3218

Re: Fidelity customer protection guarantee-void if you use Mint?

I read that as saying that if you use Mint (or any of these services that require your username and password), that could be grounds for voiding their customer protection guarantee. I think you are reading something into that which is not there. They would then also have to void people using Fideli...
by TravelGeek
Tue May 23, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4243

Re: NJ Lemon Law 2017 Honda CRV

Newer cars have a LOT more electronics that put a parasitic drain on the battery when the car is not in use.. In the old days it used to be that when sitting only the clock and maybe a security system where on, draining less than 100mA and a car battery could go months with that load and still star...
by TravelGeek
Tue May 23, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1114

Re: Help me help my non-US citizen fiancée

It's going to be extremely difficult, if not impossible, for someone to open a financial institution account without a Social Security number these days. Would the fiancée not be able to get a SSN? https://www.ssa.gov/pubs/EN-05-10096.pdf "Generally, only noncitizens authorized to work in the ...
by TravelGeek
Mon May 22, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1114

Re: Help me help my non-US citizen fiancée

I tried signing her up for Ally, but was told they only take US citizens. So, I'm wondering if you all have info on: That doesn't seem to be 100% correct. https://www.ally.com/help/bank/opening-account.html To open an account with Ally Bank or Ally Invest: You have to be a citizen or a legal perman...
by TravelGeek
Sun May 21, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1723

Re: Galapagos Trip, Suggestions

We went with Lindblad Expeditions about ten years ago. Amazing trip. Our trip was seven days, so I think you'll be fine with your 10 day trip. Don't have any current recommendations, but I am sure you will have a great experience with any reputable guide/boat.
by TravelGeek
Sun May 21, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Amazone prime - took over a month to receive, so check the arrival date!
Replies: 6
Views: 1330

Re: Amazone prime - took over a month to receive, so check the arrival date!

Amazon is pretty clear on what is "Prime - Two Day Shipping" vs "Prime - Free Shipping" on the item page. You just have to pay attention when ordering and not make assumptions. I have had multiple cases recently where it wasn't so much a question of slow shipping, but getting th...
by TravelGeek
Sat May 20, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy travel insurance when some credit cards offer it for free
Replies: 8
Views: 1269

Re: Why buy travel insurance when some credit cards offer it for free

When going outside the US, even if only to Canada, I pay what's usually very little for medical and medical repatriation insurance. If my credit card offered the same thing for no additional charge I would use its. I never buy trip cancellation or interruption insurance, because I only insure again...

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