Search found 59 matches

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: 1926

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: 1593

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: 1581

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: 6528

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: 1450

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: 1312

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: 1312

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: 5209

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: 10768

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: 10999

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: 1910

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: 3058

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: 2543

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: 4865

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: 7657

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: 14558

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: 14558

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: 14558

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: 4153

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: 6959

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: 17930

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: 6458

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: 1528

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: 1921

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: 1739

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: 18194

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: 5236

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: 2201

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: 1763

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: 1425

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: 1339

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: 1090

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 Consumer Issues
Topic: best credit card for airline mile
Replies: 17
Views: 3483

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...
by enebyberg
Thu Sep 26, 2013 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Buying a Fixed Annuity.
Replies: 15
Views: 912

Re: Buying a Fixed Annuity.

$1,350,000 at 4% withdrawal rate would give you $4,500 a month for life.
by enebyberg
Wed Sep 25, 2013 8:58 am
Forum: Investing - Theory, News & General
Topic: Is there a low cost 50/50 fund?
Replies: 38
Views: 3387

Re: Is there a low cost 50/50 fund?

Bogle101 wrote:Buy Wellesley Income and call it a day


Or you could do a 50/50 split of both Wellesley and Wellington.
by enebyberg
Sat Sep 21, 2013 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 105
Views: 17629

Re: "Chip" credit card for foreign travel

Just ask Capital One. They will send you a chip card that works fine in the US and in Europe without problems. Capital One is the only card that doesn't charge a percentage of 1% to 3% on overseas transactions. I've used one for quite a while in both the US and Europe.
by enebyberg
Fri Sep 20, 2013 5:54 am
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

Re: $1M Settlement - Lump Sum or Annuity?? Taxable AA???

My wife works and usually brings in from 50k to 72k a year. She will continue to work for at least another 12+ years.
by enebyberg
Fri Sep 20, 2013 12:16 am
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

Re: $1M Settlement - Lump Sum or Annuity?? Taxable AA???

This is a lot to think through. Thanks for insight. The final figures have not come to me and are being finalized as part of discovery in the case. The figures I give are the approximate figures that have been given to me. They might be slightly higher on both ends. Our kids are looking at State uni...
by enebyberg
Thu Sep 19, 2013 11:30 am
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

Re: $1M Settlement - Lump Sum or Annuity?? Taxable AA???

Are your future medical expenses going to be high and take a majority of the settlement? No one knows at this time. They might be $250,000, and they might not be. I do have a catastrophic coverage plan that will cover most of the costs if things get out of hand. Plus my current plan that covers 90%...
by enebyberg
Thu Sep 19, 2013 6:07 am
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???

Thanks for the insight and ideas to check out going forward. The final details won't be fully known until October but I need to know how to respond when the final numbers are in. I sure don't want to make mistakes with 529's or financial aid down the road. Good thing they are still 3 years away from...
by enebyberg
Wed Sep 18, 2013 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???

Thank you for the replies!! I do have a small 529 plan set up for the kids but it will only get them through the first year at this point. I am also concerned how schools will look at us if we apply for scholarships. I thought they might view us differently because the settlement must also cover pre...
by enebyberg
Wed Sep 18, 2013 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

Re: 1M$ Settlement - Lump Sum or Annuity?? Taxable AA???

The time period has yet to be finalized. They are talking 20 to 22 years.
by enebyberg
Wed Sep 18, 2013 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: $1M Settlement - Lump Sum or Annuity?? Taxable AA???
Replies: 17
Views: 3032

$1M Settlement - Lump Sum or Annuity?? Taxable AA???

I have a Workman’s Comp settlement coming to a close that will be between $750,000 and $1.25 million tax-free depending on if I take a lump sum pay out or a structured settlement (20-22yrs). I would like to continue working but only 30-50%, but maybe not. 1. Any thoughts on the lump sum vs. structur...
by enebyberg
Tue Sep 03, 2013 2:19 pm
Forum: Personal Consumer Issues
Topic: Dedicated e-mail device for Mom (90)
Replies: 21
Views: 1810

Re: Dedicated e-mail device for Mom (90)

MacBook Air. You can't get lighter or easier to use.
by enebyberg
Fri Aug 16, 2013 4:57 am
Forum: Personal Consumer Issues
Topic: re: going to Bryce/Zion (and a bit of Vegas)
Replies: 42
Views: 3219

Re: re: going to Bryce/Zion (and a bit of Vegas)

Both Bryce and Zion are well worth the visit. Bring plenty of water for the hike down to the bottom in Bryce. In Zion... don't miss Angel's Landing hike (scary but worth it) and don't miss hiking up in the Narrows. Your shoes will get wet when hiking up the river but the views are so worth it. Allow...
by enebyberg
Sun Jul 14, 2013 2:33 pm
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 4547

Re: 2014 trip to Europe

1. Any thoughts on cheapest airports to fly in and out of? The cheapest airports serviced by Ryanair and similar will not give you the upgraded business class you are looking for and often put you into airports that are not easy to travel from. 2. Can we avoid a rental car? Trains, buses, etc work f...
by enebyberg
Sun Jun 16, 2013 8:45 pm
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 4130

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

We had the same choice a couple of years ago and ended up with the Sienna XLE. We went with two iPads instead of the Entertainment System. The kids use them all the time. We e-mailed a wish list to all the Toyota and Honda dealerships within 100 miles of our location. In the end, we went with the de...
by enebyberg
Tue May 07, 2013 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ investing in Taxable accounts [US citizen in Sweden]
Replies: 20
Views: 1059

Re: Help w/ investing in Taxable accounts [US citizen in Swe

I also live in Sweden and file US taxes with the Foreign income tax credit. I have a Roth IRA set up at Vanguard plus I contribute to taxable accounts through Vanguard.
by enebyberg
Fri Mar 15, 2013 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 7158

Re: Cash - do you keep a stash on hand?

I try to keep $1500 at home in $20s, $10s, $5s and $1s kept in the home safe and a $20 bill and $10 in coins in each car.
by enebyberg
Thu Feb 14, 2013 3:37 pm
Forum: Personal Consumer Issues
Topic: Sienna 2013 AWD. MSRP $33,700.
Replies: 22
Views: 3203

Re: Sienna 2013 AWD. MSRP $33,700.

We have a 2008 Sienna XLE FWD and have been using Nokian Hakkapeliitta Winter tires on all four wheels from November 15 to March 15 in the mountains of Colorado. It works really well and I would say that combination is equal to friends with Sienna AWDs that are driving on four season radials. Three ...

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