Search found 262 matches

by oxothuk
Mon Apr 24, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Best Choices for a Summer Place in the Rockies
Replies: 15
Views: 1302

Re: Best Choices for a Summer Place in the Rockies

Given that your objective us to "beat the heat" then I would recommend looking at higher elevation towns in Colorado. Someone already mentioned Carbondale and Pagosa Springs. Other options might include Leadville, Ouray, or any of the ski towns. RE in the ski towns is expensive, but could ...
by oxothuk
Thu Apr 20, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: fil moved, now outside of kaiser service area, what to do?
Replies: 10
Views: 1067

Re: fil moved, now outside of kaiser service area, what to do?

dbr wrote:This might illustrate a reason to be careful in choosing an Advantage plan over more generic Medigap coverage. Even then Medigap may not transfer easily from state to state.

Or to think carefully when choosing a new residence
by oxothuk
Wed Apr 05, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: What to do with wine cellar and hardware
Replies: 7
Views: 522

Re: What to do with wine cellar and hardware

Do you really need to re-purpose the space? Maybe it's a small business opportunity to store wine for others (personal/commercial). What percentage of the whole house is the wine cellar? Keeping the wine cellar may be an advantage in selling down the road. +1 Try to think of ways you can reuse the ...
by oxothuk
Thu Mar 23, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 44
Views: 4757

Re: 4 Days in Iceland - May 2016

Is it better to rent a car and drive around the places outlined by tic above or take 3 bus tours in 3 different directions? I've done both. A bus tour is the best bet for the day you arrive (after an overnight flight from the US). The two major operators (Reykjavik Excursions and Gray Line) both ha...
by oxothuk
Thu Mar 23, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1558

Re: Northern Lights cruise, Norway, March 2018

How long was the train between Oslo and Bergen? Nice scenery? We'll be there in mid-March, so it should be mid-way in terms of mostly daylight or night. The train ride from Oslo to Bergen is one of the most spectacular in Europe. Here's a description: https://www.raileurope.com/blog/11474-oslo-to-b...
by oxothuk
Wed Mar 15, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: FX Cash Aboard: What to do with extra?
Replies: 9
Views: 812

Re: FX Cash Aboard: What to do with extra?

I usually apply leftover cash toward settlement of my last nights hotel bill.
by oxothuk
Tue Mar 07, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Oaxaca?
Replies: 3
Views: 607

Re: Oaxaca?

The museum of Oaxacan cultures (next to Santo Domingo church) is excellent.
by oxothuk
Fri Mar 03, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1027

Re: Heading to Spain and I don't have a PIN for my Credit Card

JD2775 wrote:Thanks...

One other question, if asked, I should ALWAYS choose to pay in local currency (EUROS) rather than my own currency, correct?

YES - always decline the option to pay in dollars. Google "dynamic currency conversion" to understand why.
by oxothuk
Fri Mar 03, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1027

Re: Heading to Spain and I don't have a PIN for my Credit Card

Haven't been to Spain but my exoerience in other European countries has been that US chip-and-signature cards work fine in MOST situations. The exceptions are unattended locations like parking meters, gas pumps, etc. in such locations they may or may not work, depending on the purchase amount and ho...
by oxothuk
Thu Mar 02, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7634

Re: Tell me about Smart TVs and cutting cable

Netflix & Amazon are awful IMO as TV episodes don't appear until the next season. I guess I've lived long enough that I don't see any qualitative difference between this year's TV episodes and last years. If some great new series comes along I will eventually hear about it and add it to my list...
by oxothuk
Mon Feb 27, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3295

Re: Do you clear your inbox?

I did the same thing at work, and actually relied on email to track e.g. discussions and negotiations and committee decisions from the past. Then one day an order came down from on high insisting that everybody delete all emails that were more than a month old, and that we do it on a tight deadline...
by oxothuk
Mon Feb 27, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3295

Re: Do you clear your inbox?

I suspect that the folks who keep their inbox empty are the same ones who keep their desk clean, and the ones who let items linger in their inbox have lots of stuff on their desk as well.

Either style can work if it fits your personality. I'm firmly in the large inbox/messy desk camp myself.
by oxothuk
Thu Jan 26, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 168
Views: 16409

Re: Concierge medicine Worth It????

This post illustrates the deep divide that now exists between too many doctors and patients, brought on IMHO by our health care system which inserts insurance companies into the mix to add a profit incentive where none should exist. Unless we go back to paying doctors in the same manner we do plumb...
by oxothuk
Tue Jan 24, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Cell service abroad, what did I do wrong
Replies: 29
Views: 2454

Re: Cell service abroad, what did I do wrong

My wife got a local SIM card from a newsstand when we went to France last fall. Voice service worked right away, but getting the data portion set up required calling another number; this was an automated system with prompts only in rapid-fire French, too fast for my wife to follow. Consider it a les...
by oxothuk
Fri Jan 20, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Laptop transfer
Replies: 7
Views: 820

Re: Laptop transfer

I'm giving my MacBookAir laptop to a relative whose laptop has died, since I own two laptops and have another I can use. I am planning today to download my files to a hard drive. I trust my relative, but still do not want to leave behind any personal data - is there any function I should perform to...
by oxothuk
Sat Jan 14, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket health care costs - how to pay when traveling overseas?
Replies: 12
Views: 905

Re: Out of pocket health care costs - how to pay when traveling overseas?

How were you planning on paying for other expenses when travelling overseas - why would the answer be different? Normal expenses I will pay with credit card or cash drawn by ATM. But ATM withdrawals are limited by my bank to $500 per day. I have a high enough credit limit on my CCs to cover most co...
by oxothuk
Sat Jan 14, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket health care costs - how to pay when traveling overseas?
Replies: 12
Views: 905

Re: Out of pocket health care costs - how to pay when traveling overseas?

I would pay with with a no foreign transaction fee credit card like the capital one quicksilver . If it's a very remote area, you may need cash so, in that case, I would get a no foreign transaction fee ATM card like Schwab's checking account . Do foreign doctors/hospitals usually accept credit car...
by oxothuk
Sat Jan 14, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket health care costs - how to pay when traveling overseas?
Replies: 12
Views: 905

Out of pocket health care costs - how to pay when traveling overseas?

Our (US) health insurance includes coverage for emergency and urgent care when traveling out of the country, but does not provide direct payment. We would have to pay the provider directly and then file for reimbursement. From what I've read this is pretty typical, and is often the case even when yo...
by oxothuk
Sat Jan 14, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: 24 hour stop over at LHR, what all can I visit in London?
Replies: 31
Views: 1912

Re: 24 hour stop over at LHR, what all can I visit in London?

tacster wrote:Will you have a working smartphone with data? If so, it's very easy to get around London via tube and bus using Google Maps.

If you won't have an active data connection on your smartphone, go into Google Maps before you go and download the London area as offline maps.
by oxothuk
Fri Jan 06, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Is Iphone/Ipad fingerprint signin reasonably secure?
Replies: 57
Views: 4452

Re: Is Iphone/Ipad fingerprint signin reasonably secure?

AND a four digit pin would take me a whole couple of hours to break verses a six digit that would take months. On an iPhone you can set the "auto-erase" feature to wipe the phone after 10 failed attempts. That makes even a 4 digit code pretty secure, unless it is something obvious (e.g., ...
by oxothuk
Mon Dec 12, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 83
Views: 12595

Re: Age to Take Social Security: The Ideal and the Reality

I know a number of people who have taken SS at 62. They didn't have much choice if they wanted any income at all. Here are three scenarios. In all cases I 'm assuming the person doesn't already have some life-shortening illness. 1) Age 62 and SS benefit is enough to live on (retiring to a trailer i...
by oxothuk
Mon Dec 05, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2901

Re: Anyone have experience with Kaiser in Colorado

Steelart99 wrote:The general consensus appears to be that Kaiser has been well thought of by the people who have used them.

+1
My wife and I have had them for 35 years (10 in Northern Virginia, 25 in CO). For retirement, we won't consider moving to any city they don't serve.
by oxothuk
Fri Nov 11, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: Equivalent "Do Not Call" List for Wireless?
Replies: 18
Views: 1791

Re: Equivalent "Do Not Call" List for Wireless?

We've lived like that for years -- even before callerID, let it ring twice, hang up, and call back. Then with the machine, we never picked up. I don't share my cell number with very many folks. And ignore calls from unknown numbers (they never seem to leave a message either). +1 And if they call re...
by oxothuk
Fri Nov 11, 2016 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Maximizing Spousal Survivor Benefits
Replies: 9
Views: 906

Re: Social Security - Maximizing Spousal Survivor Benefits

Spouse benefits and Spouse Survivor benefits are two very different things. The usual advice to married couples is for the high earner to delay claiming his/her benefit until age 70. This maximizes the spouse survivor benefit. The only catch is that the high earner has to live to 70 in order to get ...
by oxothuk
Fri Oct 28, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 3602

Re: Anyone use Kaiser Senior Advantage for Medicare

Then why don't we support not-for-profit healthcare systems and non-profit insurance companies vs huge national conglomerates that are merging to become bigger for-profit insurance conglomerates? There's nothing magic about non-profits. The Kaiser model works well IMO because of vertical integratio...
by oxothuk
Tue Oct 25, 2016 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 3602

Re: Anyone use Kaiser Senior Advantage for Medicare

My wife and I are long time (40 year) Kaiser members. Rolling over to Senior Advantage was a no brainer for us. In our area SA is structured as a Medicare Part C plan, which means that it rolls parts ABD together into one plan. We have the Bronze plan which costs nothing beyond the $120 per month wh...
by oxothuk
Mon Oct 24, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 70
Views: 6504

Re: First time Maui vacation - where to stay?

I must recommend this drive and prefer it greatly to the more dark and closed in hana drive: Kahekili Hwy. Definitely go toward Kahului to be on the inside lane. Definitely go in daylight hours only. I think I met god here, almost getting dusk when I did it. Lots of -unbelievable- views, little sid...
by oxothuk
Mon Oct 10, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Can you record HDTV programs onto Blu-Ray recordable discs?
Replies: 2
Views: 582

Re: Can you record HDTV programs onto Blu-Ray recordable discs?

IANAL, so I won't comment on the legal issues. What is and isn't legal wrt copyright hardly ever matches my conceptions of right and wrong anyway. The HDMI output from your cable box includes copy-protection flags. The connection handshake from the cable box will fail if the device on the other end ...
by oxothuk
Sat Oct 08, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1413

Re: Looking for good mountain scenery near Denver

I'd still say head up to Estes Park, then go into Rocky mountain national park while the road will be closed going to the top visitors center,from Estes you can still go a ways in into the park and see good views. +1 After Trail Ridge Road closes for the season you can still drive up as far as Many...
by oxothuk
Tue Aug 23, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 29
Views: 2691

Re: Rented a car on business, received a parking ticket 11 months later?

leonard wrote:As far as I know - Avis doesn't have any law enforcement authority. I'd wait until an actually legal authority contacted me. Plus, I'd be concerned that it was a scam.

They do have the authority not to rent to you in the future.
by oxothuk
Tue Aug 23, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 5227

Re: Tips for a 1000 miles car trip with toddler and baby

My only tip is to drive at night as much as possible while kids are asleep. how many hours is 1000 miles? Two 8-hour days? You can do it. Run them ragged then drive from 4pm to midnight, hopefully they fall asleep by 6pm and you have six hours of blissful silence and no traffic. It's been 30 years ...
by oxothuk
Sun Aug 14, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 82
Views: 5890

Re: Request for recommendations: English Mystery TV series

In no particular order... Wallander is set in Sweden but produced in English by the Beeb. Stars Sir Kenneth Branagh which alone makes it worth watching. Many afficianados prefer the Swedish TV version of same. That said, the Branagh one was popular in Sweden. I think there were a couple of differen...
by oxothuk
Thu Aug 11, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 82
Views: 5890

Re: Request for recommendations: English Mystery TV series

Inspector Allan
Inspector Lynley
by oxothuk
Sun Jul 31, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2466

Re: Looking to take first international trip

Since you mentioned that you like to stay active, I would suggest you look into a self-guided walking or cycling vacation in some small area of Europe. There are tons of companies who offer these as a package - arranging hotels, transporting your luggage and providing detailed maps and route notes t...
by oxothuk
Fri Jul 22, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 61
Views: 9468

Re: What really happens to people who run out of their money in retirement

What is troubling to me, is the Retirees that get involved in gambling ( Lottery, Casino,s etc. ) at that late stage in life. Can't remember the details, but there is/was a drug used to treat Parkinson's Disease which affected the brain in such a way as to sometimes induce compulsive gambling in pr...
by oxothuk
Wed Jul 20, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 10525

Re: Netflix increasing prices. Will you keep it?

I'm keeping it for now, but the extra $2 (for HD) may be a prompt for re-thinking. Right now I have (1) Netflix streaming plus (2) Netflix DVDs plus (3) Amazon Prime plus (4) a lot of over the air TV (mostly PBS) that we record on our DVR. The frequency with which we use these (most to least) is (4)...
by oxothuk
Sun Jul 10, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: How Does Vanguard "Remember" My Computer?
Replies: 41
Views: 3540

Re: How Does Vanguard "Remember" My Computer?

I would have thought it was based on cookies, but your experiment with incognito mode suggests otherwise. MAC address ( as suggested by livesoft) is part of the link-level protocol (i.e., between devices in your home network) but not part of Internet Protocol (outside your house) - so it wouldn't no...
by oxothuk
Thu Jun 30, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Visiting Denver soon
Replies: 9
Views: 1060

Re: Visiting Denver soon

Colorado Railroad Museum in Golden is great for kids.
by oxothuk
Thu Jun 16, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 7056

Re: Neighborhood kids setting up lemonade stand on my property

I would invite the kids and their mom in for cookies when they finish selling.

But that's just me.
by oxothuk
Wed Jun 15, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Problems using Uber
Replies: 26
Views: 3863

Re: Problems using Uber

So just a gentle reminder to everyone tip your driver, especially if its a short trip. The expectation of tipping is one of the worst features of legacy taxicab industry. Why on earth should we want to import that practice into new platforms like Uber and Lyft? Just tell me what the price is and le...
by oxothuk
Wed Jun 01, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 9928

Re: Uber Car and the real cost of driving

I take Uber fairly regularly and have a car and have a few thoughts: -Surge pricing makes me leary of using Uber more. If there is not surge on my way, I often think there may be on my way home which can really increase your bill (it can be like 7x). You can argue its merits, but I question Ubers l...
by oxothuk
Sun May 15, 2016 2:30 am
Forum: Personal Consumer Issues
Topic: Unlocking Phone after Paying ETF [Early Termination Fee]
Replies: 7
Views: 1097

Re: Unlocking Phone after Paying ETF

Paying the ETF will allow you to unlock the phone. Only wrinkle is that you may have to wait until the fee is paid, not just billed.
by oxothuk
Tue May 03, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2716

Re: Wine Purchase Question

Chadnudj wrote:and my personal favorite -- Carmeneres from Chile (which are just amazing -- better than Cabernets in many cases, and very affordable).


For a long time the Chileans grew Carmeneres but thought it was Merlot. Only when DNA testing became common did they realize the mistake.
by oxothuk
Mon May 02, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9751

Re: How to Bogleheads TRAVEL?

For foreign vacation trips I spend a LOT of time planning. My goal is not to have a regimented schedule, but rather a menu of activities I can choose from based when I get there based on weather and other factors. Once I'm there, time is at a premium - I don't want to waste it on research I could ha...
by oxothuk
Thu Apr 28, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: I Bonds as tax refund: tracking down a missing one
Replies: 10
Views: 1265

Re: I Bonds as tax refund: tracking down a missing one

I wonder if they changed something in their process this year. We received part of our refund (the larger denominations) on one day, but $500 was missing. After a week my wife called and was told to wait up to a month before filing a claim. Sure enough, the other bonds (the smaller denominations) ar...
by oxothuk
Tue Apr 26, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Silly things you can do with your Apple Watch
Replies: 7
Views: 1412

Re: Silly things you can do with your Apple Watch

bondsr4me wrote:I find mine very useful.
I use it as a watch, for email notifications, calendar appointment reminders/alerts, weather checks, answer phone calls if I choose to, help from SIRI when needed, listen to phone messages, physical activity info.

Likewise. Those are enough to make it worthwhile for me.
by oxothuk
Wed Apr 20, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 4456

Re: Roku 3 v. Apple TV v. ???

quantAndHold wrote:Apple TV does Amazon not at all.
You can bring up Amazon Prime on a Mac and then AirPlay the screen to AppleTV.
But yeah, what you said is basically true.
by oxothuk
Wed Apr 13, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Dual Language Elementary School
Replies: 16
Views: 1541

Re: Dual Language Elementary School

One thing that is odd is math is taught only in spanish at the elemetary level to kids that only use english at home. My son's DI program did the same thing - math/science in Spanish, Literature and Social Studies in English. At the lower elementary level, math and science are taught with relativel...
by oxothuk
Wed Apr 13, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Dual Language Elementary School
Replies: 16
Views: 1541

Re: Dual Language Elementary School

We enrolled my son in a program like this in the 80's. It works very well at this age because (a) our brains can more easily absorb a new language when young and (b) the subject matter taught in early elementary school does not require complex or abstract vocabulary. After his first grade year we mo...
by oxothuk
Sat Apr 09, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: [Union College (NY) vs. St. Olaf for a prospective college student Math major]
Replies: 34
Views: 2334

Re: [Union College (NY) vs. St. Olaf for a prospective college student Math major]

I know a woman who went to St. Olaf as a math major and really loved it. However that was 40 years ago, before I met (and married) her.

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