Search found 295 matches

by oxothuk
Mon Dec 11, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2333

Re: What MPG App Do You Use To Track Fuel Usage ?

CABob wrote:
Sun Dec 10, 2017 7:32 pm
That was California gas ..... We have always paid more than the rest of the world.
More than the rest of the Continental US perhaps. But much cheaper than the rest of the world.
by oxothuk
Wed Dec 06, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10681

Re: Do people still use AAA?

I'm a long time AAA member. My two most recent road-service experiences were as follows: a) Driving a rental car in Indianapolis I hit a pothole and tire blew out. Took about an hour for road service to arrive. b) Out shopping for groceries with my wife, brother and sister-in-law when her car had a ...
by oxothuk
Tue Nov 28, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4061

Re: Paying for news?

I just question that the use of intangible property without paying for it is best described as "theft". Taking it back another level, I question the practice of labeling temporary government-sanctioned monopolies as "property". We have a primal understanding of tangible property and ownership, star...
by oxothuk
Wed Nov 22, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4130

Re: Trip to Hawaii - what do I need to know

TRC wrote:
Tue Nov 21, 2017 2:08 pm
Do the full loop around the island (where it says no rental cars allowed. This is why you have a jeep).
I’ve done the whole loop (without realizing I wasn’t supposed to). The “forbidden sections” were nothing special IMHO.
by oxothuk
Tue Nov 21, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5814

Re: Uber for someone who knows only taxis

rob wrote:
Tue Nov 21, 2017 9:45 pm
- Some areas get little service - especially in
Rather than tell the customer "no cars available", there should be an option to summon a car from further away by paying a surcharge (perhaps the deadhead fare to the pickup point). Not sure why they haven't implemented something like that.
by oxothuk
Tue Nov 21, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4130

Re: Trip to Hawaii - what do I need to know

First step is to pick what island(s) you want to visit - they are all quite unique. For a first time visitor with time for just one island I would recommend Maui. Because it is “in the middle” both geographically and geologically it has a bit of everything and is the most representative. Oahu is the...
by oxothuk
Mon Nov 20, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5814

Re: Uber for someone who knows only taxis

One small advantage of taxis overUber was the ability to schedule a pickup in advance. But I got an email just this week announcing that Uber is adding that feature. I hate the entire practice of tipping and thus prefer Uber over Lyft. I don’t mind compensating drivers fairly, but just show me the r...
by oxothuk
Fri Nov 10, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6315

Re: Spam calls to cell phone...

stan1 wrote:
Fri Nov 10, 2017 9:04 am
but most people text or email now instead of calling now.
Because spammers have essentially destroyed the usefulness of the phone system.
by oxothuk
Tue Oct 31, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 45
Views: 3498

Re: Someone spoofing my phone number?

This happens all the time. My cell phone block list is full and I can't add any more entries. I think the system needs to move from a black list model (list every number who can't call you) to a white list model (only authorized phone numbers get through, everyone else gets voicemail). I already ha...
by oxothuk
Sun Oct 29, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3319

Re: European Tours

I'm a strong proponent of DIY touring, especially for someone who is under 65 and active. My main recommendations are as follows: 1) Don't try to cram too much in. Pick just a few places and give yourself enough time to see them properly. 2) Stay at least 3 nights at each place. Packing/unpacking ta...
by oxothuk
Fri Oct 27, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Two password managers for redundancy? How safe is Mac Keychain? Fingerprint?
Replies: 29
Views: 1494

Re: Two password managers for redundancy? How safe is Mac Keychain?

I have a new MacBook Pro with fingerprint ID and intend to use it as my "go to" for financial work. How safe is Mac Keychain? From what I've read it's pretty safe. I keep low-medium value passwords in my iCloud keychain, so they are available on my phone/iPad as well I store the most sensitive pass...
by oxothuk
Fri Oct 27, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Two password managers for redundancy? How safe is Mac Keychain? Fingerprint?
Replies: 29
Views: 1494

Re: Two password managers for redundancy? How safe is Mac Keychain?

I have a new MacBook Pro with fingerprint ID and intend to use it as my "go to" for financial work. How safe is Mac Keychain? From what I've read it's pretty safe. I keep low-medium value passwords in my iCloud keychain, so they are available on my phone/iPad as well I store the most sensitive pass...
by oxothuk
Fri Oct 27, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1998

Re: What is the story with the Apple iWatch Series 3?

I recently purchased a new Apple watch and on the 14th day (just in time) I returned it to Apple. I might be missing the point of this device or other smartwatches but it didn't fill a need that I thought it would. I embrace technology especially when it makes life easier and to me that is priceles...
by oxothuk
Wed Oct 25, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 24
Views: 1784

Re: accounting software for churches?

Our church uses Quickbooks online. Works well and any bookkeeper knows how to use it. We don’t keep any sensitive personal info in Quickbooks. Only user is the bookkeeper, who generates monthly and ad-hoc reports for our finance committee. We have a separate program to manage membership, contributio...
by oxothuk
Tue Oct 24, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3953

Re: Credit card companies forgiving debt after death?

Chuck wrote:
Tue Oct 24, 2017 1:06 pm
DTSC wrote:
Tue Oct 24, 2017 1:02 pm
She told me that if she had know they would forgive the debt, she would have charged his funeral on the card.
My guess is they would only cancel balances from before the actual time of death.
Using the credit card after death would be fraud.
by oxothuk
Wed Oct 04, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Do you get COLA's on your Soc Security when restricting your application for Spousal Benefits?
Replies: 5
Views: 508

Re: Do you get COLA's on your Soc Security when restricting your application for Spousal Benefits?

You get a COLA but you may not see any increase in the net amount of your check after Medicare Part B premium is deducted.
by oxothuk
Wed Oct 04, 2017 1:45 am
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1812

Re: Visiting Paris - should we buy tickets in advance?

I am visiting France now and have had no problems using my Marriott Visa (Chase, chip+sig) card anywhere. This includes unattended locations like parking lots and ticket dispensers for the Paris Metro.

YMMV
by oxothuk
Tue Sep 12, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3774

Re: Retirement - Living in Colorado

I currently live in Boulder and have friends who live in Colorado Springs. Both are very nice places to live. Northern Front Range (Denver to Ft. Collins) is more urbanized than the Springs, which is either a positive or a negative depending on what you're looking for. Unfortunately the secret is ou...
by oxothuk
Tue Sep 12, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Nature of fraud (or, what I was afraid of)
Replies: 8
Views: 1980

Re: Nature of fraud (or, what I was afraid of)

btenny wrote:
Tue Sep 12, 2017 1:52 pm
So I see the situation as not that bad right now.
Just because the cost of fraud is hidden in the prices of goods and services rather than charged to you direclty doesn't mean that it isn't a big problem.
by oxothuk
Mon Sep 11, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4640

Re: What do you do in slow travels?

climber2020 wrote:
Mon Sep 11, 2017 9:56 am
Hiking.
+1
My wife and I have taken several self-guided walking tours in Europe where we stay in a very small region for 1-2 weeks. There are lots of companies who organize tours like this, but our favorite is www.inntravels.co.uk
by oxothuk
Thu Sep 07, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 2120

Re: Vacation after minor hurricane?

For what it's worth, you have my complete sympathy. DW and I are supposed to leave Saturday for a 10-day stay in Jamaica, with flight path directly over the Florida peninsula. I don't think that's gonna happen. :( I wouldn't be so pessimistic. I've been on many flights that took detours of up to 40...
by oxothuk
Sun Aug 27, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16191

Re: How far would you travel to see The Eclipse?

Nicolas wrote:
Wed Aug 23, 2017 8:47 pm

The total eclipse of August 12, 2026 also looks enticing as it will be at maximum eclipse over Iceland, perhaps directly over Reykjavik though I can't tell for sure based on the Wikipedia map.
I've been to Iceland 5 times, and there were almost always lots of clouds around.
by oxothuk
Fri Aug 25, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: At age 66, should let my $1MM life insurance policy lapse?
Replies: 32
Views: 4551

Re: At age 66, should let my $1MM life insurance policy lapse?

I'm delaying my SS to age 70 in order to get the 32% bump in SS payments for myself and my wife after I'm gone. I've kept my term life in force until to insure my wife against the possibility of my not making it to 70.

After that, I plan to drop it.
by oxothuk
Tue Aug 22, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 5273

Re: Eclipse Traffic: predictions vs reality?

I drove from Boulder CO to Lingle WY to see the eclipse. Left at 3AM and arrived around 730AM; no significant traffic until the last hour, and even then was still at the speed limit. I had planned to drive further west for better visibility, but the forecast improved Monday morning so that was not n...
by oxothuk
Mon Aug 21, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16191

Re: How far would you travel to see The Eclipse?

We drove 250 miles to Wyoming to see it. 3.75 hours to get there, 8 hours (including lunch stop) to get back.

Well worth it.
by oxothuk
Thu Jul 20, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 2118

Re: Office 2007 end of life

alex_686 wrote:George RR Martian writes Game of Thrones and everything else using WordStar 4.0 ...
That was the only tool available in the era of Westeros.
by oxothuk
Thu Jul 20, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 3656

Re: Medical Coverage Outside US

If you only have basic Medicare, it provides almost zero coverage outside the US (as others have stated). If you are pre-Medicare, or have a Medicare supplement policy then you should to check your policy to see what coverage it provides outside the US. The plan my wife and I have covers emergency a...
by oxothuk
Wed Jul 19, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: A week in Iceland
Replies: 28
Views: 1898

Re: A week in Iceland

:sharebeer My wife and I have been to Iceland 5 times on stopovers to Europe and thoroughly enjoyed each one. On the day of arrival we usually take some kind of organized tour while recovering from the jet lag. When we finally do go on to Europe in a couple of days it then feels like a "normal" flig...
by oxothuk
Thu Jun 29, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 7118

Re: Where to View Total Eclipse? - Kansas City

digarei wrote: Goal is to avoid being caught in a creeping parking lot on the interstate and miss the sighting...
That's my concern as well. I live in Boulder, CO and was planning to drive up towards Casper. But I have no idea what to expect on I-25 that day.
by oxothuk
Mon Jun 19, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 3731

Re: internet cost saving strategy

DSL is a private connection. Where as cable is sharing with all your neighbors. DSL is private only to your local connection point (DSLAM). From that point on it is shared, just like cable. Unfortunately, bandwidth constraints can occur ANYWHERE in the path between your house and the web host your ...
by oxothuk
Sat Jun 03, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Road bike tour to Europe
Replies: 10
Views: 1009

Re: Road bike tour to Europe

There are lots of companies who will arrange self-guided bike tours in Europe.

Take a look at InnTravel and Macs Adventures.
by oxothuk
Tue May 09, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 6687

Re: What newspaper or magazine do you pay for?

I've subscribed to The Economist for 20 years, but I'm not sure how much longer I'll keep that. I really enjoy their in-depth features on technology and business developments. However, their political reporting has picked up a more pronounced bias year by year and is no longer much different from th...
by oxothuk
Thu May 04, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3871

Re: Visiting Paris for 8 days - what to do?

centrifuge41 wrote:Carcassonne in Southern France is really cool...
But unfortunately not very accessible from Paris. It would take a full day on the train each way to get there. It's not on one of the high-speed TGV lines.
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: 1762

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 be offset ...
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: 1368

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: 681

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: 5214

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: 1874

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: 1017

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: 708

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: 1512

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: 1512

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: 9747

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: 4194

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: 4194

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: 18593

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: 2698

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: 948

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: 1122

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: 1122

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...