Search found 76 matches

by enebyberg
Wed Oct 18, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1364

Re: Europe vacation, family of 5

There has been some great advice given here. We have lived in Europe for more than 20 years and have traveled quite a bit. I second (or third) the recommendations of AirBandB and hop-on hop-off bus tours. London would be the cheapest place to arrive in Europe from the States. Traveling light is the ...
by enebyberg
Sat Oct 07, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7500

Re: Do you want your receipt?

I usually take the receipt, but I have a backup. My Capital One app on my iPhone shows me every time my card is used. Time, date, amount and which store. Nobody could use my card or number without me knowing right away.
by enebyberg
Fri Sep 22, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8292

Re: Age you retired

59.5, waiting to take SS at at least 66+ (now 63)
by enebyberg
Thu May 18, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14468

Re: For those with $500k-$1m in investments...

62

400 taxable
420 tax-deferred
150 Roth
by enebyberg
Mon May 15, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 7166

Re: Anyone use "MyPillow" pillows?

I have My Pillow and like it. Not as good as my Tempur pillow which I usually use.
by enebyberg
Sat May 06, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 2493

Re: Road trip to western states

It is almost impossible to do it all in one trip. Highlights should be: Yellowstone National Park Arches National Park (Don't miss Dead Horse Point State Park a hidden gem) Zion National Park Rocky Mountain National Park and Trail Ridge Road Grand Canyon National Park Any route that you take will ha...
by enebyberg
Sun Apr 09, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1511

Re: Planning Scandinavia trip

I have lived and worked in Stockholm for the past 20 years. Oslo does have the least to do but the fjords and Bergen are worth seeing. Think Switzerland with water. Copenhagen is beautiful but you could spend 24 hours there and see the highlights. There are a lot of cheap flights connecting the majo...
by enebyberg
Wed Mar 29, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Moving money between countries
Replies: 14
Views: 1374

Re: Moving money between countries

Bank wire transfer. I've done it before. Works pretty well. Try to send it through a US bank that has relations with a bank in Indian. Or has relations with a bank in a place like London that has a lot of dealing with your bank in India. That helps to cut the cost. Send it on a day that does not hav...
by enebyberg
Mon Feb 20, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a slackline and how often do you use it?
Replies: 1
Views: 491

Re: Anyone buy a slackline and how often do you use it?

We bought one six years ago from REI. We use it several times a year as a family plus on family reunions, scout camps, etc. It has more than paid for itself in usage and fun. The first couple of years, we used it up to 50 days a year. My kids have learned how to master many moves on the slack line a...
by enebyberg
Mon Jan 16, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Selling Old Coins?
Replies: 20
Views: 2067

Re: Selling Old Coins?

Here is a site to help determine the silver value of coins.

http://www.coinflation.com/silver_coin_values.html
by enebyberg
Mon Jan 16, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Selling Old Coins?
Replies: 20
Views: 2067

Re: Selling Old Coins?

Here is a website that can give them an idea of how much the coins are worth. http://www.numismedia.com/fmv/fmv.shtml Rare or valuable coins might be worth sending into a coin grading company. This can be done directly or through a dealer. A dealer may barter the cost of sending into a coin grading ...
by enebyberg
Fri Dec 23, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Where can I get some yield on my cash?
Replies: 16
Views: 1281

Re: Where can I get some yield on my cash?

Capital One 360 Money Market is 1%.
by enebyberg
Wed Oct 26, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Bank Account
Replies: 7
Views: 743

Re: Joint Bank Account with non-citizen spouse-Gift tax issue help

Are you living inside or outside of the US? You can gift your non citizen spouse up to $152,000 a year. Open an account for her. (Using her SS number) Then she can take that money and move it to your joint account. That money is now protected. We do this with our Vanguard account and have not had an...
by enebyberg
Wed Sep 14, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 2371

Re: 16 GB or 64 GB?

We went with the 64gb iPhone SE in June and really like it. 16 just won't work in this day and age.
by enebyberg
Mon Sep 12, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 3162

Re: Emergency SmartPhone for a 90+ year old

Check out the Verizon Migo phone. Has 5 numbers that you can set to call the numbers by pressing 1 button, plus an Emergency number. Designed for your kids. Works great with older seniors that don't use their Smartphone more than call a few numbers. "This bright green phone is designed for kids...
by enebyberg
Tue Jun 07, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to keep $10,000 liquid yet still earn some interest
Replies: 23
Views: 5364

Re: Best way to keep $10,000 liquid yet still earn some interest

+1 An online savings account at 1%... I know that's not the answer you wanted to hear. :happy

Try Capital One Money Market. 1% and very liquid.

https://www.capitalone.com/bank/expectmore/
by enebyberg
Sun May 29, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability???
Replies: 27
Views: 2359

Re: Social Security Disability???

When you go on SSD you also go on Medicare. That means you might lose your current doctors. Look into that aspect before hand.
by enebyberg
Sun Apr 24, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 2855

Re: Will Chip + Sign CC work in Europe?

Living in Sweden. Capital One chip + sign card will not work at most unmanned gas stations. I have found one company, Volvo, will allow me to buy gas with no pin and no signature. You put the card in, select the number of the pump and away you go. McDonald's drive through will also do that, No pin a...
by enebyberg
Mon Apr 18, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund needed?
Replies: 17
Views: 2068

Re: Emergency fund needed?

barnaclebob wrote:I keep 10k in a money market as a buffer to pay off an unexpectedly high credit card bill.


+1 Capital One 360 Money Market paying 1% at present.

https://www.capitalone.com/bank/expectmore/
by enebyberg
Thu Apr 07, 2016 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 2248

Re: Which bank for ATM use outside the US?

Capital One. No exchange rate fees. I have been using them for 8 years living overseas.
by enebyberg
Fri Apr 01, 2016 4:06 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 9523

Re: Five Best National Parks to Visit?

Yellowstone + Teton
Yosemite
Glacier
Zion
Arches

Bonus - Mesa Verde
by enebyberg
Tue Mar 29, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Wifi Booster
Replies: 22
Views: 2039

Re: Wifi Booster

We bought a Belkin Wifi-repeater N300 a month ago and are very pleased. It was inexpensive and it added another 35-40 feet of range to our 110 Mb/s broadband.
by enebyberg
Tue Mar 29, 2016 6:30 am
Forum: Personal Finance (Not Investing)
Topic: retiring overseas?
Replies: 14
Views: 1737

Re: retiring overseas?

How does it reduce your healthcare costs? Do you have dual citizenship? Or is it just cheaper to pay out of pocket for medical care in Sweden?[/quote]

I now have dual citizenship. My wife is Swedish. You qualify even without dual citizenship if you are a resident.
by enebyberg
Tue Mar 29, 2016 3:52 am
Forum: Personal Finance (Not Investing)
Topic: retiring overseas?
Replies: 14
Views: 1737

Re: retiring overseas?

I early retired at 59, two years ago. I spend a little more than half of the year in Sweden and the other half out west in the mountains in the States. It works for now and takes a bite out of health care costs. It supplies a good base for exploring Europe.
by enebyberg
Mon Mar 28, 2016 2:35 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 8116

Re: Europe Trip in August

I've lived in Europe for 20 years. Being aware of what is going on around you is important. You can sign up for e-mail and text message alerts from the US Embassy in the country you are visiting. They will alert you to known threats and also steer you clear of areas of the city what might have prote...
by enebyberg
Tue Mar 15, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 14248

Re: How have your homes as investments done?

Purchase price: $250k 17 years ago
Current value as of last week: $848,775k :D
by enebyberg
Tue Oct 20, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 17364

Re: Travel rewards credit card?

I am very pleased with the Capital One Venture card. Travel rewards good for any airlines and even for travel expenses like hotel or rental car. No overseas transaction fees when making a purchase out of the country.
by enebyberg
Wed Sep 02, 2015 7:16 am
Forum: Personal Consumer Issues
Topic: European thermal spas
Replies: 34
Views: 2500

Re: European thermal spas

The Blue Lagoon in Iceland swears by the health benefits of the thermal waters and has a variety of skin washes and ointments to go along with the experience. Bath, England dates back to the Roman times.
by enebyberg
Fri Aug 21, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: Does anyone here collect currency?
Replies: 38
Views: 4014

Re: Does anyone here collect currency?

I'm a type collector. Collect one of each different note or coin that has come out and currently have one of just about each from 1850 to present. One each time they change the design of the note, new Secretary of the Treasury, etc. Also have an uncirculated dollar bill from each one of the Federal ...
by enebyberg
Tue Aug 18, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Trip to Denmark/Sweden
Replies: 23
Views: 2932

Re: Trip to Denmark/Sweden

What kind of things are you interested in? I have lived in Stockholm for many years and traveled extensively through Scandinavia and Europe. It will be very expensive to rent a car in Denmark and drop it off in Sweden. One option, after leaving Denmark is to travel to Gothenburg and then travel sout...
by enebyberg
Tue Jul 28, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 7269

Re: FWD vs AWD (Vehicle)

I've been working in Sweden for more than 15 years. We have to switch to four snow tires from November through March by law. Studded tires or non studded, it's your choice. I have had a FWD with four studded snows all Winter and it has worked fantastic. Four snow tires during the winter months reall...
by enebyberg
Tue May 12, 2015 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 9362

Re: Anybody 50/50?

I was 90/10 in 2008. Big mistake. I have now shifted to 50/50 since I hit my 50's and now sleep much better at night.
by enebyberg
Sat Apr 18, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 21654

Re: Don't come to Europe with a new chip and sign credit car

The card works fine at restaurants, manned gas stations, food stores in Europe. It is just a pain to take two minutes longer to pay. The Capital One chip signature card requires (on the machine) that you hand you ID and card over to the waiter or checkout person. I spend 10 months a year in Northern...
by enebyberg
Tue Apr 14, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 21654

Re: Don't come to Europe with a new chip and sign credit car

I spoke with the management at Capital One. They informed me that they do not have a chip card with a PIN number at present. The PIN they give you with the chip card is only for taking out cash withdrawals. MANNED gas stations and stores are not the problem in Europe. It is everything else. My old c...
by enebyberg
Tue Apr 14, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 21654

Don't come to Europe with a new chip and sign credit card

Last week I received my new Capital One Venture card with a chip. I am in Stockholm right now on business and there are all kinds of problems. I pity the folks coming to Europe this summer with a chip and sign credit card. It won't work 50% of the time. 1. Everyone here uses a chip and 4 digit code....
by enebyberg
Mon Apr 06, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: Moab: rent an SUV or just a car?
Replies: 35
Views: 4893

Re: Moab: rent an SUV or just a car?

Plan to include a cookout dinner at Dead Horse Point State Park. The view is amazing. It's like looking down upon the Grand Canyon. The view overlooks Canyonlands National Park and the Colorado River. They have grills and covered picnic table to uses. Good walking trails around the rim of the canyon...
by enebyberg
Fri Mar 27, 2015 2:35 am
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 7912

Re: Building a new house. Any recommendations?

We put in Geothermal in 2009. Best decision ever!! We have cut our energy bill in half. Would have put in heated floors if we could build over again.
by enebyberg
Wed Feb 18, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 21041

Re: What is the worst financial decision that you've made?

Buying a new gas guzzling 4X4 as my primary vehicle in my early 30's. Fun to drive and camp with, but terrible at the gas pump and with monthly payments.
by enebyberg
Wed Feb 18, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 9112

Re: Large Age Gap with Spouse/Partner

Married, my wife is 15 years younger. 3 Children: two early teens and one 10. Retired when I turned 60 this year. I still do some consulting, but the kids enjoy having someone home most days to make dinner and get them off to activities. Won't take SS until at least 65 so she has the option to take ...
by enebyberg
Fri Dec 19, 2014 5:07 am
Forum: Personal Consumer Issues
Topic: Solar USB chargers
Replies: 14
Views: 1805

Re: Solar USB chargers

I have a Goal Zero, both the Guide 10 and the Switch 8 with the Nomad solar panel. They work great and have kept my iphones changed on several camping trip. I also use the Switch 8 with my laptop to charge it for emergency when traveling. Solid company.
by enebyberg
Sat Nov 22, 2014 4:46 pm
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 25
Views: 2634

Re: Storing/Organizing Memory Sticks

I use a thumb drive for a back up of info and scan of all of our important documents (i.e. passports, credit cards, marriage certificate, etc.) plus a solid state drive with our most important digital pictures. All of this goes into our fire-proof safe. I use Dropbox and Apple iCloud for everything ...
by enebyberg
Fri Oct 03, 2014 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1921

Re: Retirement Portfolio Suggestions

I agree with Stan. Half in the 500 Index and half in the Total Bond.
by enebyberg
Tue Apr 08, 2014 7:15 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 20013

Re: Expensive hobbies and possessions? (B/c you can...)

Numismatics, geology, history and collecting European and American historical artifacts.
by enebyberg
Fri Mar 14, 2014 9:05 am
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 6106

Re: Anti-virus for Mac?

There are very few virus problems with Macs compared to Windows. I use Avast! on my Mac. Give Avast! a try. It's free.
by enebyberg
Wed Feb 26, 2014 8:20 am
Forum: Personal Finance (Not Investing)
Topic: New Toyota Sienna vs Used
Replies: 17
Views: 2625

Re: New Toyota Sienna vs Used

We have a 2008 Sienna XLE and moved from the US to Sweden in 2009. Long and sometimes harsh winters. We use four snow tires during the winter and have never felt the need for an AWD. I would suggest looking into four winter snow tires instead of AWD. You will save a lot on maintenance as the car get...
by enebyberg
Fri Dec 13, 2013 2:21 am
Forum: Investing - Theory, News & General
Topic: Nobel winner 100% in index funds
Replies: 9
Views: 1892

Nobel winner 100% in index funds

I read a Reuters article about Eugene Fama, winner of the Nobel Prize and teacher at the University of Chicago. He talks about the risk of a global recession and states that he is 100% in index funds. http://www.reuters.com/article/2013/12/07/sweden-nobel-idUSL5N0JM04B20131207 Fama's theory implied ...
by enebyberg
Tue Nov 05, 2013 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Paper ibonds conversion to electronic
Replies: 16
Views: 1653

Re: Paper ibonds conversion to electronic

Possibility of an EMP.
by enebyberg
Mon Oct 07, 2013 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Parents close to retirement
Replies: 10
Views: 1445

Re: Parents close to retirement

I would recommend that you visit this website. It compares taxes in all 50 States and allows you to click on a state and find more information on sales tax, property tax, income tax, etc. It does show that Nebraska is one of the worst tax States to retire in. Good Luck! http://www.kiplinger.com/tool...
by enebyberg
Tue Oct 01, 2013 2:06 pm
Forum: Personal Consumer Issues
Topic: Have you ever been to Charleston, SC?
Replies: 16
Views: 1311

Re: Have you ever been to Charleston, SC?

We went last year the week before Christmas. Our kids were 8, 12 and 14. The weather was sunny and high 50's. Had a great visit. What a beautiful place and very historic. Here's what we did on our visit... Things to do in Charleston Charleston Waterfront Park Concord Street, Charleston, SC 29401 Col...
by enebyberg
Tue Oct 01, 2013 6:15 am
Forum: Personal Finance (Not Investing)
Topic: best credit card for airline mile
Replies: 37
Views: 5538

Re: best credit card for airline mile

I use Capital One Venture Card. Rewards flights can be privately booked and then reimbursed by them to your card (canceling out your airline cost on your credit card statement) or booked directly through Capital One link to Travelocity. I have found their prices very reasonable. MOST IMPORTANT: Capi...