Search found 32 matches

by advice789
Fri Sep 29, 2017 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 15
Views: 1584

Re: Schwab.com login trouble?

When I use a VPN to login, there is an error message.
Turn off the VPN, am able to log in
by advice789
Wed Sep 20, 2017 3:40 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3140

Re: New to Investing. 450k cash

Encourage you to explore other options to invest in your future financial independence . For example, should the family set up or add to a health savings account? Using pretax $ is better than after tax. Are there college investment funds, where you receive a tax break and the money grows tax free t...
by advice789
Wed Sep 20, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: online security questions and some comments
Replies: 16
Views: 1165

Re: online security questions and some comments

In terms of 2FA, cell phones may not be the best security, but one option. Another option, some banks will call a phone number with the code. You then input the code as part of the login. In this case, use a land line phone to receive the code via a voice system, Another option, some investment hous...
by advice789
Mon Sep 18, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 633

Re: Consumer Finance Protection Bureau- Effectiveness?

Thanks for the info . Will follow up with the CFPB.
by advice789
Mon Sep 18, 2017 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze- small business question
Replies: 0
Views: 154

Credit freeze- small business question

After the Equifax hacking, placed credit freeze on our personal accounts. We also have a small business bank account with a separate fed tax ID. The fed tax id is different than or Soc sec#. In the past, have received credit card solicitation offers for the business account. Questions--Should we pla...
by advice789
Sat Sep 16, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 633

Re: Consumer Finance Protection Bureau- Effectiveness?

Yes, I was surprised. Communicated with bank and initially, bank responded that no fees should be charged. As I was charged a fee, the banker opened an investigation and then I received the form letter. It was also odd that my banker was not copied on the investigation results. My banker said I coul...
by advice789
Fri Sep 15, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 633

Consumer Finance Protection Bureau- Effectiveness?

Has anyone filed a complaint with the Consumer Finance Protection Bureau? Is the process easy to use and you were satisfied with follow-up? Have received inconsistent comments regarding wire transfer fees between two branches of Citibank.. Seeking help to recover the fees or an explanation that is c...
by advice789
Thu Sep 14, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze by phone vs online
Replies: 9
Views: 1309

Re: Experian credit freeze by phone vs online

The Experian phone - 1-888-397-3742
by advice789
Thu Sep 14, 2017 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Checkup - Physician nearing end of Training
Replies: 27
Views: 2587

Re: Retirement Checkup - Physician nearing end of Training

Lots of solid feedback from the forum members. My sense is you are seeking investment advice to build wealth. Suggest you talk to a couple of CPAs who specialize in doctors. Ask your older colleagues for CPAs they use for tax advice- CPAs see the plus and minus of their clients investment and spendi...
by advice789
Wed Sep 13, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 58 year old.
Replies: 23
Views: 2040

Re: Investment advice for 58 year old.

First, congrats. You and your spouse have done well to build weath. In terms of next steps, can see value in a fee only fin planner. I used a Garrett planner many years ago. Recommend you interview him/ her and others and then make a choice. Most have an no fee intro session. Before you contact a fe...
by advice789
Wed Sep 13, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze by phone vs online
Replies: 9
Views: 1309

Experian credit freeze by phone vs online

Has anyone submitted a credit freeze to Experian by phone? How much time for the company to mail you a Pin? Just completed the phone freeze and was confirmed. Used phone as online did not accept . Online was informed to mail a bunch of info to them as alternative. Was not comfortable to use mail and...
by advice789
Sun Sep 10, 2017 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11381

Re: Anyone else freeze their credit score?

Regarding the process to unfreeze the account, understand this is done by a pin. Suppose, a hacker does not have my credit freeze pin-- will the credit bureau validate identity via other personal information and unfreeze credit? See value to freeze credit. Am wondering whether a hacker can unfreeze ...
by advice789
Fri Jun 23, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 3899

Re: Is someone trying to steal my identity?

Am far from an expert, but when someone has your phone#, they can receive the two factor authentication code. Also, I heard some credit card companies validate caller identity by the phone number. Hence someone may try to use your VoIP phone number and call your credit company . You mentioned you sc...
by advice789
Wed Jun 21, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2209

Re: Oregon personal Trip

The wineries will be fun with Newnpberg as a base. As for the Columbia gorge, perhaps a day of salmon or sturgeon fishing. There are prime months in the summer and great views from the boat.
by advice789
Tue Jun 20, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 27
Views: 2354

Re: Credit card for expat

Another view. Can a credit card accelerate your bonuses from a frequent flyer plan? Seems you will do a lot of travel and can earn miles and premium awards by traveling for work. Say you sign up for an airline credit card. A number of such cards offer no intl fees, bonus miles for spending 3-4000 in...
by advice789
Thu Jun 15, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: trying to join MR. MONEYMUSTACHE forum
Replies: 7
Views: 2449

Re: trying to join MR. MONEYMUSTACHE forum

Valuable to know MMM makes it a bit difficult to join. One bus model for a blog involves the number of users, more users leads to more value and revenue to the forum owner. The motivation then is to make it easy to join a blog . MMM has a different motivation to join his blog. thanks for sharing the...
by advice789
Thu Jun 15, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 6224

Re: Favorite Feature of Vanguard Website?

Informative topic as learned of other features on the website that I have not used.
personally, I like the ease to add contributions to IRA accounts and the history to track past contributions for IRS requirements.
by advice789
Sat Jun 10, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: VPN providers - how do they make money?
Replies: 2
Views: 783

VPN providers - how do they make money?

Have wondered how a free VPN or low cost VPN makes money to stay in business. For example, can a VPN capture and sell my data of which sites I visit? While the encryption protects the content of communication btw me and the bank, the VPN knows I am talking to the bank. Is such data , of web sites vi...
by advice789
Sat Jun 10, 2017 5:23 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 11690

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

There are two useful points in his article. First, it is very difficult to see the early warning signs of a major drop. Eg Iceland problems was not one off but a sign of something more systematic. Second, the ability to mitigate the pain of a downturn requires a coordinated set of actions by the fed...
by advice789
Thu Jun 01, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7341

Re: Cell phone service abroad

Many have mentioned the use of local SIM cards. Have used SIM cards many times and a good option. One concern is hacking. Buying a sim from an unknown company, may increase the risks of malware, in the SIM card , infecting the phone. As an alternative, consider renting a mobile wifi . Available in m...
by advice789
Thu Jun 01, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: New here, selling my businesses, need advice.
Replies: 9
Views: 1195

Re: New here, selling my businesses, need advice.

Congrats on the success to build two businesses. I terms of next steps, am a fan of this forum for objective thoughts. A couple of suggestions for next steps: End in mind- create a Investment Policy Statement. You can find a sample in the Bogle wiki or google it. Useful set of questions to articulat...
by advice789
Tue May 23, 2017 2:40 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1252

Re: Help me help my non-US citizen fiancée

As a related point. At some point on the path to citizenship or residency, she will be subject to US gov't FBAR requirements. Am not an expert but should she be recognized by a bank as a US resident , fbar maybe triggered. Google fbar for a quick overview if information is needed. The penalties can ...
by advice789
Mon May 15, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement Advice Requested
Replies: 18
Views: 1874

Re: Pre-retirement Advice Requested

Regarding 1, seeking an independent view has benefits to ask questions that have not been asked before. In terms of the independent view, have used a financial planner via Garrett network. Prior posts suggested a checklist to clarify your goals for the session. Only add, ask the planner if he / she ...
by advice789
Wed Apr 19, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Annual finance check up
Replies: 4
Views: 700

Re: Annual finance check up

Have an investment approach but more informal. Good point to create the written document
by advice789
Wed Apr 19, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Annual finance check up
Replies: 4
Views: 700

Annual finance check up

Each year, I go to the doctor for an annual physical. He always request a normal blood test and then depending on my aches or pains or health, may order more tests to identify any risk issues. In the same manner, am thinking of a similar Finance Check up. Intent is to obtain added objective advice v...
by advice789
Wed Apr 19, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 6318

Re: How to make best use of lunch with the company president/CEO?

Great opportunity and frankly, wish I had thought of using this forum to seek advice for similar situations. Thanks for the idea Regarding your inquiry, two thoughts. First, after the lunch, what is the One Adjective you want the CEO to describe you? Your questions , behaviors and comments will eith...
by advice789
Mon Apr 17, 2017 6:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3284

Re: Hawaii Bogleheads, where are you?

While not living in Hawaii, do visit - Appreciate you post dates and times and will try to attend Hnl. - booked to be there early July ,after the 4 th
by advice789
Thu Apr 13, 2017 9:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 33
Views: 4733

Re: Hong Kong Bogleheads?

First, thanks for organizing the hk group
Highly likely I can attend 19th or 20th. Need a few days notice to plan to attend
by advice789
Mon Mar 20, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 5250

Re: My son wants to move to Hong Kong

Regarding Hong Kong, a few thought 1) Employment - a work visa is required to be employed. A company can sponsor a work visa. Also I think a spouse of a hk citizen can apply for a spousal visa. He can travel to Hong Kong and as a USA citizen, does not need visa prior to arrival. But this is a touris...
by advice789
Wed Feb 08, 2017 5:53 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 17178

Re: How Did You Become A Boglehead? What Led You Here?

There was an article in Forbes or Fortune regarding index form of investing . This was a while back. The article also cited Mel and Taylor. After reading a few of their posts, started to read the forum on a regular basis. The members are objective and the topics are data driven. Look forward to more...
by advice789
Fri Feb 03, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Best Expat Forums or Advice on Expat Package?
Replies: 10
Views: 1497

Re: Best Expat Forums or Advice on Expat Package?

With the prior replies, you received a lot of good tips. A few added thoughts, some of which share common themes with prior posts 1) Housing- Typical package provide employer paid housing with all utilities, and this includes a furniture budget. 2) Compensation- This is often your home base salary a...
by advice789
Mon Jan 30, 2017 8:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 33
Views: 4733

Re: Hong Kong Bogleheads?

Hello
I am also interested in attending regular meetings. Weekend or evening best.