Search found 4195 matches

by protagonist
Tue Sep 27, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 77
Views: 9989

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

With unknown inflation heading forward, is a doubling of your money after 20 years still a good deal when buying savings bonds? It would make me very nervous. A few years of late 1970s-early 80s inflation could be devastating, no? The purpose of fixed income investing is security. EE bonds do not p...
by protagonist
Mon Sep 26, 2016 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

In Prague I will stay for 15 days. For two weeks I will be taking an intensive Czech language course. I want to arrive two days earlier to get over the jetlag so that I could be more focused in the class. My search of the accommodations is limited to the vicinity of the language school, where my th...
by protagonist
Mon Sep 26, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

Another way to keep the SPG account alive is to transfer just 1,000 points. It may be cheaper than coffee in Manhattan. Yep....that's a possibility. But I wouldn't get coffee. That said, coffee at even the finest hotels is not always good coffee. Do you have to transfer points in, or out, or either...
by protagonist
Fri Sep 23, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy $350 bonus
Replies: 18
Views: 2266

HSBC Bank- Easy $350 bonus

-Open Choice Checking account -Either pay 2 bills/month for 3 months with online bill pay OR make 3 direct deposits, one per month, for 3 months, totaling $3000 - Avoid $15/mo. service fee by maintaining $1500 balance or by direct deposits ($0 min. balance required) - Receive $350 bonus within 8 wks...
by protagonist
Fri Sep 23, 2016 12:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

My preliminary research (today) has led me to Mui Ne, Vietnam, which is supposedly quite beautiful and also a windsurfing destination. I have not heard of or been to Mui Ne. I will ask my husband later tonight. So, I asked. He has never been himself. He heard it's very nice, some of his family memb...
by protagonist
Thu Sep 22, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 90
Views: 11548

Re: TDBank promo just started easy $600

Seems from the change in terms and link that you posted that transfers from other financial institutions are excluded. Now I'm wondering whether it's worth the hassle taking a chance on TD enforcing their own rules or not. Technically, yes, but EFTs from Fidelity and Ally posted as "direct dep...
by protagonist
Thu Sep 22, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 90
Views: 11548

Re: TDBank promo just started easy $600

To date... Huntington $200 Northpointe $50 Discover (NEA) $50 First Federal $150, and another $150 for some reason. US Bank $125 Key Bank $200 Just opened Fifth Third ($200), Preferred CU ($125), and will open Chase 360 soon ($300). Probably will do the same for DW soon... Me: CapOne 360 $500 TD $3...
by protagonist
Thu Sep 22, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 90
Views: 11548

Re: TDBank promo just started easy $600

Has anyone received their bonus? If so, when did you open and fund the account? Thanks for the reminder! I just checked. I funded the account on 7/19. I received the $300 bonus yesterday. Yay! Is it now safe to close the account? I don't recall reading any rules stating that it must be kept open fo...
by protagonist
Wed Sep 21, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 54
Views: 5708

Re: My "Corolla Investment" has ended...410,000

... a while back i posted about my 2003 Toyota Corolla and how dependable and down right cheap it is to own...well 2 weeks ago it went over 410,000 miles and the next day, it blew a 15 amp fuse for the second time in 2 months...it controlled the fuel pump so the engine would not start until it was ...
by protagonist
Wed Sep 21, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 82
Views: 5439

Re: "Women and Investing" class offered by Employer

That class took 3 lunch hours to complete, while this new one is just the one hour. The fact is, if I have the right idea as to what constitutes "intelligent investing", one can explain all the basics that one needs to know in an hour or less. An hour would allow plenty of time for questi...
by protagonist
Wed Sep 21, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 24425

Re: A car nicer than the boss?

I don't think I would want to work somewhere if my job security depended on my choice of automobile (or lifestyle).

But then again, that strong opinion might be more of a reflection of my own personality. I don't know if everybody would feel so strongly.
by protagonist
Wed Sep 21, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 82
Views: 5439

Re: "Women and Investing" class offered by Employer

I would like to clarify my opinion about this class. 1. Most Americans, men and women, would benefit from financial education. However, the vast majority of financial education is misguided at best and harmful at worst. Free seminars are notorious for using scare tactics and pushing harmful product...
by protagonist
Wed Sep 21, 2016 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Is a 4.3% ROI a reasonable expectation?
Replies: 11
Views: 1590

Re: Is a 4.3% ROI a reasonable expectation?

Caligal wrote:My approach- just invest as wisely as you can and let the chips fall as they may. They will anyhow.

Welll said!


Thanks, Cali.

But I said anywow.
by protagonist
Wed Sep 21, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

Thanks, everyone, if only for puncturing my bubble. I always knew I could count on this board to be a party pooper give me the unvarnished truth. Reading this thread, one would think New Orleans was the most hated city in the U.S.! I don't hate New Orleans, and I lived there for 7 years in the 1970...
by protagonist
Tue Sep 20, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

I have owned property in a lovely village on a Venezuelan island for the past 23 years, where I spend my winters windsurfing. Given the current situation in Venezuela, I probably will not go there this winter, and am looking forward to trying something new for a change. Yeah, I have not really cons...
by protagonist
Tue Sep 20, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

I have owned property in a lovely village on a Venezuelan island for the past 23 years, where I spend my winters windsurfing. Given the current situation in Venezuela, I probably will not go there this winter, and am looking forward to trying something new for a change. Australia in winter would be...
by protagonist
Tue Sep 20, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is a 4.3% ROI a reasonable expectation?
Replies: 11
Views: 1590

Re: Is a 4.3% ROI a reasonable expectation?

I don't think there is a "reasonable expectation" of future returns, unless you keep all your money in CDs, and even then there is no "reasonable expectation" of inflation. I guess if you are all in TIPS (held to maturity) and I-bonds, you can reasonably expect how you will do cf...
by protagonist
Tue Sep 20, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 82
Views: 5439

Re: "Women and Investing" class offered by Employer

It's a common marketing ploy to help the financial advisor separate some lucky ladies from their money. As an example, GuideVine lists some issues in Financial Challenges That Only Women Face . +1. OP- If you do insist on going, whatever you do, don't buy into anything! At the very least, if it sou...
by protagonist
Tue Sep 20, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

My second most frequent destination besides with Paris is Saigon. I have flown many times SFO-SGN with a 1hr30 layover in Taipei, with China Airlines on the first leg, and Vietnam Airlines on the second leg. No nonstop flight exists for this route. This currently costs only $454 as a cash flight be...
by protagonist
Tue Sep 20, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

New Orleans is a cultural and culinary oasis in the vast desert that is the US South. It's unique, in a good way, without pretensions. But like NYC, may be a better place to visit than live for the average person. Wow, what a comparison ! I grew up in NYC area and went to school for a year in NOLA....
by protagonist
Tue Sep 20, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5309

Re: How I circumvented Chase's 5/24 rule

What is the interest rate you can get on the $250K to be a private client? How long do you have to leave the money there? Right now, I can get almost 1% interest in a completely liquid savings account at my credit union. A quick look online shows Chase paying only 0.05% interest even on a 1 year CD...
by protagonist
Tue Sep 20, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

I preferred Languedoc. Bordeaux has this real reputation for stuffy conservatism in France. Toulouse (this was a long time ago) had its own charm-- bit of everything. And the ghost of Antoine de St Exupery-- that mattered, too. (There was at least some thought they found his P38, he was shot down o...
by protagonist
Tue Sep 20, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5309

Re: How I circumvented Chase's 5/24 rule

So I walked into a branch and asked if I could become a "private client". Supposedly that involves depositing $250K, but the bank rep. said "sure, no problem". I didn't care about private client status, but thought it might improve my chances for the card....I never thought I wo...
by protagonist
Tue Sep 20, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

Having said that, the Russians actually read their great writers and don't equate culture with food. Victoria hahaha! Great point. I knew a woman when I was younger who emigrated from the USSR as a teenager. When she entered HS in America she had already read all of the books that were assigned to ...
by protagonist
Tue Sep 20, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

I preferred Languedoc. Bordeaux has this real reputation for stuffy conservatism in France. Toulouse (this was a long time ago) had its own charm-- bit of everything. And the ghost of Antoine de St Exupery-- that mattered, too. (There was at least some thought they found his P38, he was shot down o...
by protagonist
Tue Sep 20, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38199

Re: Do you really need 2.5 million to retire well?

Hi Protagonist, Hi Victoria. I hope you have completely recovered from the life-threatening event and are back to feeling 35. 37. I have aged approximately 2 years this past year. Now that your emergency is over, what are you doing differently? I am more careful about dietary and exercise disciplin...
by protagonist
Mon Sep 19, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5309

Re: How I circumvented Chase's 5/24 rule

Is there an easy way to find out how many Credit Cards you have opened in last 2 years? Yes. Go to Credit Karma. Sign up. You can get your entire credit history, including the dates you established each line of credit. I think they can be somewhat invasive if you let them, so navigate with care.
by protagonist
Mon Sep 19, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38199

Re: Do you really need 2.5 million to retire well?

To be fair, I (we) just need $1.5MM to retire. But the thread title is "to retire well". I think $2.5MM is not unreasonable for a family of two professionals to retire. (I considered myself semi-retired at around 45 when we had less than $1.0MM). "Do you really need ..." Differe...
by protagonist
Mon Sep 19, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

Toulouse in France and around there. I have heard that Bordeaux is stuff by comparison, really petit bourgeois France, but I cannot say I have been there. Lille or Grenoble. If you are thinking of French cities, another to consider is Montpelier. I spend a lot of time in France...never in Montpelie...
by protagonist
Mon Sep 19, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

Having said that, the Russians actually read their great writers and don't equate culture with food. Victoria hahaha! Great point. I knew a woman when I was younger who emigrated from the USSR as a teenager. When she entered HS in America she had already read all of the books that were assigned to ...
by protagonist
Mon Sep 19, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38199

Re: Do you really need 2.5 million to retire well?

... Just to be clear, flyingaway wrote that, not me. And what if you only have $2M, and you want to retire, but you feel uncomfortable retiring without the extra $500K just in case you get cancer and need some expensive treatment at Mayo Clinic in the future.... So you decide to work hard and save ...
by protagonist
Mon Sep 19, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5148

Re: Cities like New Orleans?

I've been thinking for a while that there's not really any places within the U.S. I'd like to retire to long-term, but came across New Orleans and was wondering if there are any other places like that. I've never visited but have done a lot of reading and am a little surprised at how nice it sounds...
by protagonist
Mon Sep 19, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38199

Re: Do you really need 2.5 million to retire well?

If you have a cancer and there is a potential treatment in a different place, say Mayo Clinic, that your insurance does not cover. Do you want to go to get the treatment on your own? I think that is the time you wish you had at least $2.5MM in your portfolio. And what if you only have $2M, and you ...
by protagonist
Mon Sep 19, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76691

Re: What's Your Credit Card Rewards Strategy?

You are right, sorry. I could transfer them to Flying Blue or Korean though, which are Skyteam. But that 22,000 mile Delta award might not be available there. I have corrected my post. I don't know if that is always the case, but my recollection, the last time I booked a flight to Europe, was that ...
by protagonist
Sun Sep 18, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose and evaluate a lawyer
Replies: 21
Views: 1600

Re: How to choose and evaluate a lawyer

Her "recommended" lawyer (from a friend) charges a whopping $700/hr. with no free initial consultation.
by protagonist
Thu Sep 15, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5491

Re: Which city for part time home during retirement?

I think you might be overlooking the advantages of your nomadic schedule. You are applying the criteria very rigidly to reject alternatives, but your schedule seems to give you a lot more flexibility than someone who will live in their place year round. I suspect that if you relax some of your requ...
by protagonist
Thu Sep 15, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Covera

It took Medicare four months to process SF-5510 for auto-payment (from my HSA) for Part B. Four months to process, and yet you cannot apply until three months before you are eligible? Yup! And you can't submit the SF5510 until you've been accepted by Medicare, and that's a month after you apply. He...
by protagonist
Thu Sep 15, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose and evaluate a lawyer
Replies: 21
Views: 1600

Re: How to choose and evaluate a lawyer

@ChrisC - don't agree that if the husband signed a separation agreement that was filed with the court this is legally construed the same as "consent" to a divorce. Not at all. Roman Catholics do this all the time, get a formal separation agreement entered and approved by the local court, ...
by protagonist
Thu Sep 15, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

Thanks for finding and posting that link, protagonist. Good job! As for SSA's try at an "official" explanation for the rule, I say it is all a bunch of hooey. Legal precedent that your age begins on the day before? Funny. If that is so, how come all the liquor stores here have a Big Digit...
by protagonist
Thu Sep 15, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

Flobes wrote: It took Medicare four months to process SF-5510 for auto-payment (from my HSA) for Part B.


Four months to process, and yet you cannot apply until three months before you are eligible?
by protagonist
Thu Sep 15, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose and evaluate a lawyer
Replies: 21
Views: 1600

Re: How to choose and evaluate a lawyer

Hmm. Thanks to all above for the valuable input. Her youngest child is about 20 or 21 and in college. I think she has sole custody. Her husband abroad, not a US citizen, just basically abandoned his family, and stopped paying child support to the tune of tens of thousands of dollars. I don't think E...
by protagonist
Thu Sep 15, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

Thanks a million, Draw!...... Well that's pretty cool. The extra month of SS we will receive should way more than make up for the extra Medicare premiums. Lucky us........ Well, I'm not dancing in the streets just yet, protagonist. Maybe not a Lucky Strike at all for some. This is not pretty cool f...
by protagonist
Thu Sep 15, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

This is good information from the medicare.gov site about when to sign up: "When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. Example For example, if you're eligible for Medicare when you turn 65, you can sign up during th...
by protagonist
Thu Sep 15, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

My birthday is June 1. So does that mean I am eligible to start on May 1, Yes Obamacare will stop on Apr 30, Yes. and I need to enroll between Feb 1 and Apr 30? Start the process at least 3 months before your actual birthday And does that mean also that, if I choose to defer social security to age ...
by protagonist
Thu Sep 15, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38199

Re: Do you really need 2.5 million to retire well?

Do you really need 2.5 million to retire well? Absolutely not. That is absurd. Think about it..... Were that the case, the percentage of people who "retire well" would be incredibly small. The vast majority of Americans would be miserable. I have known many people who are thoroughly enjoy...
by protagonist
Thu Sep 15, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5491

Re: Which city for part time home during retirement?

I live in Northampton, MA. Google it. I live in the tropics during the winter (I rent out my home for the winter), and I spend a good part of the summer in Europe. 1- Liberal leaning city: Very. Less than 4% republicans. 2- Decent weather in the winter (this is typically when I'm in the States): Def...
by protagonist
Thu Sep 15, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

....Not sure, but there may be some special rule if your birthday is the 1st of the month...... The rule is followed by both Social Security and Medicare - if d.o.b. is on the first of any of the 12 months - both agencies consider the day before as the official date of birth they will use. Hence, m...
by protagonist
Thu Sep 15, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 1004

Re: Actual Day of Month for Start of Medicare Coverage

I'm 64. I will be 65 next June. I'm currently covered under Obamacare.

Should I expect notices in the mail as to when and how I am supposed to enroll to begin coverage at 65?

Or am I supposed to figure it out myself?
by protagonist
Thu Sep 15, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8846

Re: Disappointing News Wells Fargo

My Fidelity money market account is my primary checking account. I keep a few thousand dollars in it to meet my monthly expenses. No ATM fees, and if I accidentally overdraw I only pay margin interest (trivial). rather than usurious penalties. It seamlessly works with my investment accounts and I ge...
by protagonist
Thu Sep 15, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38199

Re: Do you really need 2.5 million to retire well?

Do you really need 2.5 million to retire well? Absolutely not. That is absurd. Think about it..... Were that the case, the percentage of people who "retire well" would be incredibly small. The vast majority of Americans would be miserable. I have known many people who are thoroughly enjoy...

Go to advanced search