Search found 114 matches

by frequentT
Tue Dec 05, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 3595

Re: Vegas on a budget

Check out Bahama Breeze
by frequentT
Fri Nov 10, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2390

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

This is a wonderful and thoughtful gift!!! I recommend you book a trip right away to a place you always wanted to visit, take lots of photos, make a slide show for your uncle and celebrate upon your return with a special dinner for him. He must like travel at some level to accumulate all those miles...
by frequentT
Wed Nov 01, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 2114

Re: Portugal Trip, any suggestions?

Portugal has so much to offer! I have been a few times for business. This time it was all fun. We visited Porto which I can say has joined the list of trendiest European cities. It was very crowded with tourists, but worth seeing, for no more than 3 days. We spent 4 days in the Douro Valley and coul...
by frequentT
Wed Oct 11, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2355

Re: Ecuador safe to travel and hike?

We visited Ecuador in 2016 and felt safe everywhere we traveled. My wife, sister and mother-in-law went on a guided tour to the Amazon and also were well treated and felt safe; also we did several self-guided day and overnight trips from Quito w/o any incidents. We traveled independently in the Gala...
by frequentT
Tue Oct 03, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5221

Re: My first promotion without a pay increase

Elsebet: The situation you describe happens all too often. It is the curse of mega corps, tightly bound pay ranges, salary compression, etc. You are being tested. The question is why? Did this promotion only change your title? Increase your responsibilities? Make your more marketable in some other w...
by frequentT
Mon Jun 05, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 1972

Re: Mobile phone SIM advice for multiple countries in Europe

Just returned from a pleasure trip with the following stops: Netherlands Germany Estonia Latvia Lithuania Kaliningrad I used the the T mobile sim card successfully everywhere. No voice usage ($0.20/min), but lots of SMS, email, web data for information and navigation. It was $75 + a bit for the sim ...
by frequentT
Sun Apr 23, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8454

Re: Time savers - life on automation

Yes, love this thread! Additional ideas: 1. Zojirushi water boiler: 4 liters ready all day, 3 temps, 175, 195, 205 + overnight time 2. PillPack mailorder pharmacy: unit dose packs all meds, vits, supplements, for time of day you prefer. Functions as 21st century full service Pharm. works with most i...
by frequentT
Thu Apr 20, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Int. Mobile Service with T Mobile Simple Choice
Replies: 5
Views: 612

Re: Int. Mobile Service with T Mobile Simple Choice

This feedback is very helpful! The folks in the T Mobile retail store researched the speeds for me and found 3G in the Baltic cities, 2G in rural areas. This is plenty good for our use. We will have a domestic trial period with the T Mobile plan pay-go plan. If it works out, we may switch. However, ...
by frequentT
Wed Apr 19, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Int. Mobile Service with T Mobile Simple Choice
Replies: 5
Views: 612

Re: Int. Mobile Service with T Mobile Simple Choice

Thank you for the feedback on T Mobile Int.. It sounds less than ideal, but workable. Last year I used an Orange plan that worked well for voice, but the data piece of the plan just was not enough GBs to do the job, and I ended up running out. The data top-up was not intuitive, plus the retail store...
by frequentT
Mon Apr 17, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Int. Mobile Service with T Mobile Simple Choice
Replies: 5
Views: 612

Int. Mobile Service with T Mobile Simple Choice

Dear Travelers, We will be traveling in the European Union (mainly the Baltics) and want to use the T Mobile Simple Choice Plan (no credit check, post paid). As described in the T Mobile retail shop this plan will be ideal for us. Unlimited Data (though 3G speed) unlimited SMS free incoming & outgoi...
by frequentT
Thu Apr 13, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Uber app use in Baltic Countries
Replies: 2
Views: 357

Uber app use in Baltic Countries

Next month we are doing a self organized trip to Tallinn, Riga and Vilnius. We will be using public transport and taxis. Does the uber iphone app work in Europe, as installed on my phone? Will it still come up in English with local maps?
by frequentT
Wed Mar 22, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3912

Re: Car Vandalism During Cross-Country Drive

I would not worry excessively about your risks. Here are a few counter-measures, cheap, effective, and a turn-off to any vandals: choose mid-tier/budget places like Holiday Express, Hilton Garden, La Quinta avoid the deeply discounted places don't stay on the road to late into the afternoon/evening,...
by frequentT
Sun Jan 15, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: auto retirement withdrawals
Replies: 2
Views: 522

auto retirement withdrawals

Hello forum members! I have a family member who I have been advising for the last 10+ years. She is successfully in retirement; and I help her with withdrawing distributions from her taxable brokerage account to supplement a state government pension. We meet her needs by first automatically distribu...
by frequentT
Fri Dec 09, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Europe or South America - Feb 18-25??
Replies: 9
Views: 1027

Re: Vacation ideas in Europe or South America - Feb 18-25??

I suggest Panama. It is close in flying time, has good tourism infrastructure and a variety of locales: bustling city, beaches, islands, mountains, jungle, indigenous people, some culture. You can be as busy or as laid back as you please. They use $US and being a BH, you can make your budget stretch...
by frequentT
Fri Dec 09, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Homeowners insurance recommendations - MA
Replies: 30
Views: 2784

Re: Homeowners insurance recommendations - MA

I recommend that you take a look at this company: Pure m I found them via my employer's commercial broker. Previously I had been a State Farm for 30+ years and experienced 3 years of double digit premium increases both in home and umbrella policies. Warren Buffet explicitly called attention to State...
by frequentT
Fri Dec 09, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 13
Views: 1714

Re: Where to purchase tea

I drink tea from loose leaf tea from the Positively Tea Co. purchased via Amazon.

Organic Assam and Irish Breakfast, organic: both are staples in the cupboard.
by frequentT
Fri Dec 09, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: Need advice on a ski location
Replies: 28
Views: 3363

Re: Need advice on a ski location

You have been given some good advice already, however, I think Vail/BC is your place. It sounds like you have the budget to find exactly what you want there. Eagle County Airport has lots of non-stop seasonal service. At worst you can take a quick connection from Denver. Snow conditions are very rel...
by frequentT
Tue Oct 18, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Matching children's Roth IRA contributions
Replies: 41
Views: 4639

Re: Matching children's Roth IRA contributions

Two years ago we set up a matching gift program for our 10 nephews and nieces. Our gifting program matches their contribution $ for $ up to the legal limit. They contribute to a 401/403/457/Roth/Trad.IRA; and we send our match directly to the custodian for either a Roth or a traditional IRA that our...
by frequentT
Fri Oct 07, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 3269

Re: ACA renewal - shop around.

Dropped also.

2nd consecutive year. 3rd year of 4.

These changes are distressing. Navigating the investment markets is much easier!
by frequentT
Fri Sep 30, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Lump Sum vs Annuity (Plot twist: need to make decision 30 years prior to retirement)
Replies: 9
Views: 1158

Re: Pension Lump Sum vs Annuity (Plot twist: need to make decision 30 years prior to retirement)

This one does not require much thought. Non taxable and taxable portions can be invested as suggested above. This decision will eliminate (1)the risk that the fiduciary/custodian is around 30 years from now,(2) puts the money in your control to change the allocation as your circumstances change, (3)...
by frequentT
Fri Sep 23, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 7795

Re: [500 million Yahoo accounts hacked, what should you do?]

Changed my password today. Changing security questions were not an option. Fortunately, my old password was used only at yahoo. Curiously I received a phishing email last week that threatened my yahoo account would be cancelled if I did not log in by clicking link. I have had several of these phishi...
by frequentT
Thu Sep 15, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 7463

Re: Which city for part time home during retirement?

Your list is pretty tough to check every item 100%. My suggestions optimize the total list though I am not positive about about rent costs. Particularly difficult to find that rent close to an international airport. You will have a sizable budget gain leaving CA for overall COL + taxes. Texas cities...
by frequentT
Mon Aug 29, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 60
Views: 9391

Re: best software for financial planning

check out Wealthtrace:

https://www.mywealthtrace.com/

I have investigated the program and plan to purchase in Sept.

They offer a free trial period of several weeks.
by frequentT
Mon Aug 29, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Google Word Processing and Spreadsheet
Replies: 29
Views: 4217

Re: Google Word Processing and Spreadsheet

I have been actively using Google Sheets for about 4 years. If you have experience with excel, sheets are an easy transition. Sheets are more than adequate for personal finance work. If you are used to building mega size models with complex functions in excel it might not be for you. Of course you c...
by frequentT
Thu Aug 25, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Marrakesh, Morocco & Atlas Mtns. recommendations
Replies: 8
Views: 916

Re: Marrakesh, Morocco & Atlas Mtns. recommendations

Brief Trip Report: Thank you to tludwig23, calsaver, bigred77, mouses, magicrat All of your recommendations were helpful! We appreciated having knowledge from experienced travelers. Morocco is a wonderful destination. Very exotic, not overwhelming at all. The people were warm and welcoming. They are...
by frequentT
Sat Jul 09, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Simpliest Maintenance Single Family Home (AZ)
Replies: 24
Views: 2818

Re: Simpliest Maintenance Single Family Home (AZ)

For a homeowner that travels there is one easy step that will free your mind from a very worrisome hazard that many folks do not think about. Install a valve that will cut off water to your house. Position the cutoff so your irrigation will still work. Turn off the water every time you are traveling...
by frequentT
Sun Jun 12, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 45780

Re: [Fidelity drops AmEx, Bank of America credit cards]

Do you think that Fido switching to the Elan Visa is an intentional strategy to keep the credit card volume for purchases at Costco, now that Costco is switching to a Visa card? Fido should know exactly how much of its card volume was spent with Costco...... The timing of Fido's change seems too clo...
by frequentT
Wed Jun 08, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: The Overtaxed Investor: (book)
Replies: 0
Views: 679

The Overtaxed Investor: (book)

I heard this author interviewed on his most recent book. The Overtaxed Investor: Slash Your Tax Bill & Be a Tax Alpha Dog by Phil DeMuth The interview covered Roth conversion strategies as part of tax planning. Has anyone read it? How did you like it? The author has written a number of books wit...
by frequentT
Mon May 23, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 5760

Re: Deferred Comp: How long do you trust your company?

These plans can be quite helpful. Each one is unique in the way it is written, so you must read carefully. If you are comfortable with the financial condition of your company, you can proceed to calculate how much you can defer. The math is not complicated. It is a matter of having a detailed retire...
by frequentT
Tue May 17, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Marrakesh, Morocco & Atlas Mtns. recommendations
Replies: 8
Views: 916

Re: Marrakesh, Morocco & Atlas Mtns. recommendations

Thank you for these comments. They are very helpful! We are very excited about Morocco. We have been to Spain and France many times, so Morocco is going to be the stretching/new experience. It it were just my DW and I, I would not worry too much, but I am leading this trip for us, and another couple...
by frequentT
Mon May 16, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Marrakesh, Morocco & Atlas Mtns. recommendations
Replies: 8
Views: 916

Marrakesh, Morocco & Atlas Mtns. recommendations

We will be visiting Barcelona this summer, and are planning a side trip to Marrakesh, plus an excursion to the Atlas mountains, for a total of approximately 7 days in Morocco. We are experienced travelers who prefer independent travel, as opposed to packaged tours; although we are planning to hire a...
by frequentT
Mon Feb 15, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help Buying Individual Municipal Bonds
Replies: 14
Views: 2448

Re: Help Buying Individual Municipal Bonds

All of your requirements can be done via the Fidelity website. There are adequate new issue bonds to build your portfolio over time. With new issue bonds on the Fido site, you get the same pricing as institutions. Their bond portfolio analysis tool is excellent and will allow you to slice and dice y...
by frequentT
Wed Dec 02, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrator Recommendation
Replies: 3
Views: 476

Re: HSA Administrator Recommendation

Dear Flobes,

Thanks for feedback!

It never ceases to amaze me how knowledgeable, informed and helpful the users of this can be--truly a community of experts!

Frequent T
by frequentT
Wed Dec 02, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrator Recommendation
Replies: 3
Views: 476

HSA Administrator Recommendation

We have decided to go with a High Deductible health insurance plan that we will purchase in the private market. Our very detailed analysis reveals that the plan is the best choice for our needs due to their PPO network. We are looking for a recommendation for a HSA plan with the following characteri...
by frequentT
Sun Nov 29, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 4979

Re: Are suitcase locks worth it?

I give a strong second on zip ties. They are cheap, disposable, and they keep the casual thief out. For TSA searches, they perform a 'tamper evident' function to let you know at a glance that your bag has been searched. If you don't find a TSA form inside your bag, you must perform a thorough search...
by frequentT
Sun Nov 01, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 11749

Re: How Many Credit Cards Do You Have?

1) Fido Amex: 2% rebate. This is the default card. Will likely abandon this card when Costco issues its visa card in 2016. Previous posts have recounted hassles with this card; they are not easy to do business with (keep in wallet) 2) American Airlines MC. Pay for this one, but is invaluable for my ...
by frequentT
Sun Oct 04, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 11343

Re: Fidelity 2% Amex: Security Annoyances

Yes! Seriously annoying! I got this card to use at Costco to replace the Costco Amex. I had a falling out with the real Amex, and fired them. When Costco starts its new program with Visa, this card will be relegated to the bottom drawer. FIA is a second rate CC company for sure. They think their fra...
by frequentT
Fri Sep 25, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: medical billing: crime or just mistakes?
Replies: 48
Views: 5835

Re: medical billing: crime or just mistakes?

How does a Health Insurance Company make money? 1. Efficiently collect the premium. 2. Deny the claim or 3. Discount the claim or 4. Challenge the claim or 5. Hassle the patient/beneficiary to provide more documentation or 6. 'Temporarily' forget about the claim and 7. Try to collect from the patien...
by frequentT
Mon Sep 21, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: questions on the 'finer points'
Replies: 35
Views: 3323

Re: Medicare: questions on the 'finer points'

Thank you for the comments! Toofache32 I appreciate your perspectives on how specialists view medicare. I am not so surprised. However, I would have never thought of myself as just above a charity case, yikes! Hopefully the existing relationships I have with the specialists that I will need will hel...
by frequentT
Sun Sep 20, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: questions on the 'finer points'
Replies: 35
Views: 3323

Medicare: questions on the 'finer points'

First time enrollment is approaching for me: never thought this time would come.........however.......... I have been doing my research and have a few questions for the board experts. I am currently covered under a ACA silver PPO plan from BCBS; a very expensive premium and $3000 deductible. Medicar...
by frequentT
Mon Jun 22, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 23
Views: 4253

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Hi Bruce: I have done bits and pieces of your route over the years. Others have given you good input, so let me suggest a much older piece of military history that is in Bayeux <20 miles from Caen. I was there 25+ years ago and found it very impactful. If I were anywhere close I would go again. Good...
by frequentT
Tue Jun 16, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1789

Re: 6 Month Away Locations

Sounds like a great adventure: Go For it! All of these suggestions are based on some amount of experience....... Your starting assortment is pretty diverse, so here is my input: Colorado: Agree w/Ft. Collins, Boulder Area has some tech overtones, also consider a small CO town like Salida CA: Beach l...
by frequentT
Sun Jun 07, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 9502

Re: What Percent Of Your Annual Expenses Are Property Taxes?

8.5%

property taxes + mort. interest + med exp. = sizable 1040 deductions
by frequentT
Tue May 26, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone met with Fidelity Advisor before?
Replies: 19
Views: 3247

Re: Anyone met with Fidelity Advisor before?

You will find the Fido people very easy to work with. You have already done more prep than most so feel good about that. I would prepare two more items: (1) Your top 5 goals that require financial resources (2) 3-5 questions that you would like addressed, or if you just want 2nd opinions on your pro...
by frequentT
Mon May 11, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 3709

Re: Epoxy garage floor?

Do it! Definitely worth the effort!

The prep is everything-take your time.

I used the HD kit. I recommend buying extra flakes so you can get 'the look' you want. If you have any areas that are extra rough or cracked, heavier flakes will disguise.

Good luck.
by frequentT
Thu May 07, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 10000

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

It is a frequent food/coffee/break stop for us also on the way to NM or CO. TX has a good place to live for everyone's taste, however, Amarillo would not make the list. Look elsewhere in TX and you will likely find 'your place'.
by frequentT
Fri Apr 17, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 1048

Re: Defined Benefit Plan help

Before you go too much further: find out if the plan has a cola provision? If so, it could knock out a lump sum option. A DB with cola is unusual, but very attractive to go for the monthly payout. Of course one must make a judgement, on health and longevity prospects as well. All in all, I like to s...
by frequentT
Mon Apr 13, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Declining to continue Interview Process
Replies: 26
Views: 4994

Re: Declining to continue Interview Process

Whatever you say, surround it with lots of compliments and praise for target company, its business, and all of the people that you spoke to. Be sure to write thank you letters to all the key people you encountered. Many of these folks will be industry contacts, or even colleagues in the future. Beco...
by frequentT
Sun Jan 11, 2015 4:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 6510

Re: Fidelity Customers, What Do You Hold at FIDO?

I use Fido as a broker and custodian for most of my assets: I really don't pay a lot of attention to the Fidelity products/funds. I have owned their spartan funds in the past as well as their no-fee etfs. Currently, the only Fido branded fund I own is the floating rate MF. I have also owned many van...
by frequentT
Mon Dec 01, 2014 6:31 pm
Forum: Personal Consumer Issues
Topic: Downhill Skis
Replies: 10
Views: 1682

Re: Downhill Skis

A couple of thoughts for you: Skiing is an expensive sport! However, it is my favorite. Remember equipment is only one of the constituent costs in addition to transport, lift ticket$, food, and possibly lodging. Good equipment will last a long time. Spend generously and carefully on comfortable, wel...