Search found 104 matches

by Carls
Wed Dec 19, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Users of Clarity Money?
Replies: 3
Views: 922

Re: Users of Clarity Money?

Just started to use Clarity Money since it seems the only way to track Goldman's money market account (that has quite favorable rates). The site is very much like MINT and asks for access to all accounts and then offers kind of obvious advice, but... it may be just what I need to alert me if there a...
by Carls
Tue Dec 19, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC explained? Maximum possible FDIC for a couple per bank
Replies: 28
Views: 3615

Re: FDIC explained? Maximum possible FDIC for a couple per bank

Oops. I see that we agree on the allocations and FDIC protection coverage that you summarize. One million for a family as you describe. But we may disagree on how the FDIC should be classified as private or public. The budget and operational funds for the FDIC are not public funds. Most federal agen...
by Carls
Tue Dec 19, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC explained? Maximum possible FDIC for a couple per bank
Replies: 28
Views: 3615

Re: FDIC explained? Maximum possible FDIC for a couple per bank

Thanks for the clarifications. The FDIC site is a bit obtuse... (calculator is neat, tho). However a small point. The FDIC is a private organization. It was created but is not run as a federal agency. It is most certainly not "federally insured and backed by the full faith and credit of the US Gover...
by Carls
Wed Jul 26, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Excess Rental Car Insurance in Europe
Replies: 16
Views: 2405

Re: Excess Rental Car Insurance in Europe

It appears that most of the CC coverage requires that they be the only and exclusive covering insurance. That means no CDW or any other waiver, no additional fire, theft, etc. I expect this is because dealing with foreign insurance companies poses all kinds of problem (Yes, I've had experience...<wg...
by Carls
Wed Jul 26, 2017 9:52 am
Forum: Personal Investments
Topic: Goldman moves out of LMM for ETFs. Danger?
Replies: 0
Views: 685

Goldman moves out of LMM for ETFs. Danger?

26 jul 17 It's just been announced that Goldman Sachs will retreat from ETF lead market making. What are the consequences for safety ratings of ETFs that were under their protection? The reason I ask is the answer they give as to why they are leaving their position. According to Reuters, G-S wants t...
by Carls
Wed Jun 21, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 35
Views: 5969

Re: What insurance company has the best coverage for auto, renters, and umbrella?

As for the suggestion to go with State Farm, please note that this insurance company does local francise-type offerings. One office can be terrif; another awful. What happens is strictly up to the local folks. If you can establish a relationship and if they are responsible folks without a lot of tur...
by Carls
Wed Jun 21, 2017 5:33 am
Forum: Non-US Investing
Topic: Credit card for expat
Replies: 27
Views: 4590

Re: Credit card for expat

That was good advice about the Schwab system of transferring money. Their credit card probably also will let you use your dollar account without a transaction charge. At least that is what HSBC bank does, which was going to be my suggestion. HSBC lets you open up a local HSBC account (in England and...
by Carls
Sun Oct 02, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 16460

Re: Alternatives to Quicken 2016?

2 oct 2016 Thanks all for the alternatives to Quicken. While thrashing around for an alternative to Windows 10 (as I see others are having to do...), I found Moneydance. For me, it's worth starting fresh : my Quicken file is too large and unwieldy to import. I'm bring over basis info, etc. for calcu...
by Carls
Thu Aug 25, 2016 5:02 am
Forum: Non-US Investing
Topic: moving to Thailand: US taxes + how to get money back to the US?
Replies: 31
Views: 6195

Re: moving to Thailand: US taxes + how to get money back to the US?

Hi expat! Two notes on your question of "getting money" sent. 1. HSBC has banks in both places and xfers are instantaneous and at a good rate. (Note you have to keep a largish minimum in one of their accounts. Some in Thailand are interest bearing. A few more IRS forms to fill out, but the rates are...
by Carls
Thu Aug 25, 2016 4:54 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor
Replies: 12
Views: 2300

Re: Vanguard Personal Advisor

It's important to keep control, especially of those equities or holdings that you might think of selling (or not, because of a low basis). The pruning and re-arranging by a Vanguard Advisor (actually 2 of them) created a storm of paperwork that still plagues me years later. Finding a basis for some ...
by Carls
Sun Dec 21, 2014 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: buying apartment in France
Replies: 14
Views: 4040

Re: buying apartment in France

... I quit looking and went on to enjoy my vacation when the agent suggested that it was not a good time to do this because (post 9/11) "not many Americans were coming to Paris", and the Euro was very strong at that time (about 1.44 $ to a Euro). Malloc You were lucky to have such a good agent. Nam...
by Carls
Wed Dec 17, 2014 8:37 am
Forum: Personal Finance (Not Investing)
Topic: buying apartment in France
Replies: 14
Views: 4040

Re: buying apartment in France

Thanks for the sensible reply and translation. I had been looking for something more complex and in the insurance jargon. Much better to handle it as you suggest.
Carls
by Carls
Tue Dec 16, 2014 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: buying apartment in France
Replies: 14
Views: 4040

Re: buying apartment in France

Thanks, Elzevir, for the insurance agent references. As for your experience, if your residence in France is unoccupied for 6 months of a year, does that invalidate the coverage? This exclusion clause exists in some US policies and I suppose it exists also in France. In any event, how exactly to ask ...
by Carls
Mon Dec 15, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 4681

Re: How do you figure out the best location to buy a house?

Once you get some houses with the criteria close enough to go to decision, it may make sense to take the one in the "better" (higher-priced) neighborhood even if it means giving up the highest total criterion "score." Especially if you think you might trade up or sell in 3-7 years. You'll be buying ...
by Carls
Mon Dec 15, 2014 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: buying apartment in France
Replies: 14
Views: 4040

Re: buying apartment in France

Thanks to all. Yes, insurance is obligatory and no, there are no trees anywhere around.;-) The kind of insurance I'd like is called "holiday insurance" by the Brits. Anyone know how to translate this into francaise-insurance-ise? And this 60-day escape clause for coverage exists also in the US, sinc...
by Carls
Sun Dec 14, 2014 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: buying apartment in France
Replies: 14
Views: 4040

buying apartment in France

Insurance question:

Has anyone experience with buying insurance for an apartment in Paris? The idea is to live there a bit less than 6-months a year - is it possible to get insurance under this condition?

Thanks for any advice.

Carls
by Carls
Thu Jul 10, 2014 2:14 am
Forum: Non-US Investing
Topic: Banking in France
Replies: 2
Views: 667

Re: Banking in France

Thanks for your considered reply. I didn't know of the 100K limit on state guarantee/insurance. Is it, as in the US, per account (my wife having a separate account) or as implied per institution, do you know? I do agree with you about what is and what is not impossible to imagine here. Of course, th...
by Carls
Wed Jul 09, 2014 11:14 am
Forum: Non-US Investing
Topic: Banking in France
Replies: 2
Views: 667

Banking in France

Some advice please... My salary has been banked in euros, so there was no difficulty opening a French bank account. Now that I've accumulated a bit, I'm questioning whether to leave it in euros or convert and send it to my home bank in the US. Setting aside timing to take advantage of currency fluct...
by Carls
Tue Jul 08, 2014 4:41 pm
Forum: Non-US Investing
Topic: Foreign account Plan Epargne Bancaire
Replies: 0
Views: 227

Foreign account Plan Epargne Bancaire

In France there is a special savings account for foreigners that : pays interest (about 3.5% guaranteed), is not subject to France taxes (of course it is subject to US taxes for me), and has withdrawals without penalty. It appears that the only requirement is to have an account at Societe Generale, ...
by Carls
Wed Jan 29, 2014 9:42 pm
Forum: Investing - Theory, News & General
Topic: Sigfig and its Advice
Replies: 22
Views: 4988

Re: Sigfig and its Advice

Whenever you want to investigate an investment firm or broker-dealer background, the work is already done for you. Check the wiki: Investment adviser In this case, SigFig is "an SEC registered investment advisor" ... - SigFig does not bill Clients and Clients will not pay any fees or expenses to Si...
by Carls
Wed Jan 29, 2014 5:56 pm
Forum: Personal Consumer Issues
Topic: Expatriation or International Snowbirding
Replies: 40
Views: 5190

Re: Expatriation or International Snowbirding

This is a goal of mine as well. I've seen others here mention the same. Since we're finding mostly commercially oriented resources elsewhere, perhaps we should create our own somewhere, as a forum or sub forum? Facebook group forums are free - but maybe there are other online venues we could look i...
by Carls
Fri Apr 05, 2013 8:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard statements now have portrait orientation.
Replies: 19
Views: 3622

Re: Vanguard statements now have portrait orientation.

Having left Vanguard years ago because of their then (for me) complex monthly statement formats, I'm really interested to learn more about recent changes. Do they still report each fund as a separate "account" on separate pages? Or do their funds now get listed row-by-row on the same page so that yo...
by Carls
Wed Mar 20, 2013 9:42 pm
Forum: Personal Consumer Issues
Topic: Traveling to Europe for the first time...need help!
Replies: 67
Views: 17333

Re: Traveling to Europe for the first time...need help!

There's a book "First time Europe" put out by Rough Guides. At first look it seemed to cover most of what you might be asking for.

Carls
by Carls
Thu Jan 24, 2013 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 13036

Re: Just Deleted Our Mint Account

Maybe someone can clarify with some details here, but all these services (FullView, MINT, Quicken, and MSMoney) tap into the services of Yodlee - a banking data aggregator that works with US _and_ Canadian banks. MINT is simply a front-end, like FullView, etc. This is not true. Mint doesn't use Yod...
by Carls
Thu Jan 24, 2013 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 13036

Re: Just Deleted Our Mint Account

Maybe someone can clarify with some details here, but all these services (FullView, MINT, Quicken, and MSMoney) tap into the services of Yodlee - a banking data aggregator that works with US _and_ Canadian banks. MINT is simply a front-end, like FullView, etc. This is not true. Mint doesn't use Yod...
by Carls
Sun Dec 30, 2012 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 13036

Re: Just Deleted Our Mint Account

... On top of that, it's hard for me to imagine catastrophic personal consequences even to a full hacking of all my passwords on mint.com. What exactly would someone do with my Fidelity password? I suppose they could add another bank account (their own) and transfer money out. Alternatively, they c...
by Carls
Mon Oct 22, 2012 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Need a tax professional, will H&R Block do?
Replies: 12
Views: 1628

Re: Need a tax professional, will H&R Block do?

Let me post just another bad experience with H&R Block. The "senior" advisor there would have had me take all my 1116 credits last year. Great for me, but illegal and would have triggered an audit. Maybe penalties and interest would have been borne by H&R Block, but ... what about time and energy an...
by Carls
Sun Apr 08, 2012 10:51 am
Forum: Personal Consumer Issues
Topic: Early retirement to Florida
Replies: 177
Views: 23686

Re: Early retirement to Florida

Where you'll find the following warning: Note: Travelers for business or tourism are permitted to stay in the Schengen area for 90 days within a six month period. Once the 90 day maximum is reached, leaving for a brief period and re-entering the area does not entitle a traveler to 90 more days with...
by Carls
Sun Apr 08, 2012 9:08 am
Forum: Forum Issues and Administration
Topic: Tax-Deductible Donations to the Forum?
Replies: 33
Views: 9808

Re: Tax-Deductible Donations to the Forum?

[Donations to The John C. Bogle Center for Financial Literacy are now tax-deductible. ... Since we just recently got approval from the IRS, out next task is to start work on getting to the next level. Wish us luck! Well, Good Luck ! Do you have a tax ID number that we can use to search? Actually it...
by Carls
Sun Apr 08, 2012 9:01 am
Forum: Personal Consumer Issues
Topic: Early retirement to Florida
Replies: 177
Views: 23686

Re: Early retirement to Florida

[ And one of the things I'd like to do is to take a 3- to 6-months French course in France; Lyon and Montpellier have some good offers. Victoria Note that there is general agreement that the "best" French is spoken around Tours and that one of the best schools for adults is at http://www.cle.fr, wh...
by Carls
Sat Mar 17, 2012 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of Dual Citizenship
Replies: 66
Views: 9982

Re: Pros and Cons of Dual Citizenship

The main tax issue is actually with the US. If you take on US citizenship you are taxable even if you are living abroad. A lot of other countries do not have this requirement, you are not taxable if you don't life inside the country, was a very good deal for German friends when they moved to Hongko...
by Carls
Wed Nov 09, 2011 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software
Replies: 21
Views: 3074

Re: Personal Finance Software

We used Quicken for 11 years. After finally starting to question all the data entry and managing, we were not so sure what benefit, if any, we were getting. ... I have a very simple Excel spreadsheet that takes mere minutes a year to update. This spreadsheet provides a banking, debt, rebalancing, a...
by Carls
Mon Nov 07, 2011 4:19 pm
Forum: Personal Consumer Issues
Topic: Buying used electronics
Replies: 6
Views: 933

Re: Buying used electronics

Just bought two identical refurbished portables from NewEgg. They were half the price, so I sprung for two! That sounds flip, but two computers means my wife and I can backup each other and always have a running computer - a critical need for us. Trying to be efficient, I put both on the table toget...
by Carls
Mon Nov 07, 2011 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping store receipts - an addiction?
Replies: 23
Views: 1899

Keeping store receipts - an addiction?

My wife and I do "receipt lotto" at the end of the month matching up the crumpled receipts from our various credit cards to (now online) statements and it is turning out to be more time consuming that we'd like. And, yes, we've sometimes found a duplicate charge that could be challenged (lunch at a ...
by Carls
Mon Nov 07, 2011 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software
Replies: 21
Views: 3074

Re: Personal Finance Software

I've been using Quicken but when Wells Fargo started the $10/month fee for using Quicken to e-pay bills, I've started to look at this same question you raise. I've been spending waaay too much time simply downloading and entering data. My wife has doubted the efficacy of this - so that's kept me stu...
by Carls
Mon Nov 07, 2011 3:33 pm
Forum: Personal Consumer Issues
Topic: Advice for buying a new Laptop
Replies: 91
Views: 11451

Re: Advice for buying a new Laptop

The Mac has been described as a 24/7 home entertainment market where you can buy TV, films, music, etc. anytime, anywhere. Are you sure you want this in a professional setting? I like the idea of two computers, for business use, with one being simply a 'hot spare" ready to go if the other needs work...
by Carls
Mon Oct 03, 2011 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ipad, Iphone security in Europe
Replies: 13
Views: 1350

Re: Ipad, Iphone security in Europe

My suggestion is to buy pre-paid data SIMs locally in Europe that you use only on this trip. For instance I just came back from a trip to Austria. Thanks for the info. As one of the rare non-owners of an iPhone, can you tell me whether what you suggest would work on any / all of the iPhones? Some l...
by Carls
Tue Sep 13, 2011 5:05 am
Forum: Personal Consumer Issues
Topic: DropBox - the coolest program I have come across
Replies: 28
Views: 5727

...How do you find their upload speed? It would be especially useful if you were a converted DB user to offer an impression of relative speed. Slow uploads are more likely to be a feature of your DSL package. Because Wuala has to encrypt data while sending (both for backup and sync), that conversio...
by Carls
Tue Sep 13, 2011 4:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity FullView vs. Mint.com vs. Quicken
Replies: 8
Views: 8240

Re: Fidelity FullView vs. Mint.com vs. Quicken

Before Mint I used FullView at Fidelity. I am thinking about going back -- does anyone have experience with FullView these days? Thanks. The only advantage of Mint over FullView is that Mint reports alerts over the iPod - albeit discharging the battery if one forgets and leaves wifi enabled... Do y...
by Carls
Tue Sep 13, 2011 3:22 am
Forum: Personal Consumer Issues
Topic: DropBox - the coolest program I have come across
Replies: 28
Views: 5727

I hope everyone is aware of Dropbox's recent security scandals and their lack of encryption protocols. I recently started using Wuala which has much better encryption (think Dropbox+Truecrypt) for my more sensitive documents. It's still fine to use Dropbox otherwise. How do you find their upload sp...
by Carls
Sat Sep 10, 2011 3:59 pm
Forum: Personal Consumer Issues
Topic: Any new ideas in cutting cable?
Replies: 49
Views: 9022

OK - almost sold on Roku. But. My service is AT&T ADSL and, although it's called "high speed" it never is quite up - to spec. I could switch to Comcast, but in my area it has a horrible reputation. However it's faster (according to its adverts). So what is the general experience with Roku's consumpt...
by Carls
Sun Aug 07, 2011 4:33 am
Forum: Personal Consumer Issues
Topic: Computer VERY sluggish - need suggestions
Replies: 38
Views: 3272

For the future. If this happened this time and you are not aware as to why it happened, I have a suggestion for you. When you get your machine cleaned up, all malware and/or virus removed, get your self a copy of Acronis and learn to use it before you even start using your computer again. This will...
by Carls
Sun Aug 07, 2011 4:22 am
Forum: Non-US Investing
Topic: Investing from France
Replies: 44
Views: 8237

I too am in France and have been paid in euros. They've sat quietly in a non-interest-bearing account and have proved my best investment ever. 75% increase in value without any tax liability in either country - when not spent and not converted to dollars. The TD-90 form is trivial. Will the euro con...
by Carls
Sat Jul 23, 2011 9:41 am
Forum: Personal Consumer Issues
Topic: Refrigerate Olive Oil?
Replies: 44
Views: 5770

Finally a subject that I can respond to with some authority... My field isn't gourmet foods or health; I'm a statistician. However I had the same question and I had neighbors upstairs who loved and lived cuisine. Couldn't resist. Briefly: after 6 moths of fridge, freezer, and room temperature storag...
by Carls
Sat Jul 23, 2011 9:07 am
Forum: Forum Issues and Administration
Topic: increased snarkiness?
Replies: 53
Views: 8993

Thank God this site does not allow political discussions (fights!) I think a lot of the "snarkiness" is related to bored, grumpy, crabby, crotchety, older retired people! :lol: Perhaps they should turn of the computer more often, and go fishing! :beer Does this that remark qualify as "snarky" ? Or ...
by Carls
Sat Jul 23, 2011 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we help and if so how?
Replies: 35
Views: 4496

I'd vote with Fishndoc on buying the house from them. My experiences with lending money in general and to family in particular haven't had the expected (by me) results. But keeping the property in the family, even with all the problems that such an arrangement entails, at least is in the tradition a...
by Carls
Tue Jun 28, 2011 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: best way to get foreign cash?
Replies: 10
Views: 1717

HSBC allows you to have foreign accounts. So you can have your US account and use funds there to transfer to the foreign account. No fee and current exchange rate. You do have to have sufficient funds to qualify for "premier" status, but the funds can be anywhere (both foreign and US count, of cours...
by Carls
Tue Jun 28, 2011 3:28 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 452
Views: 114284

Add me too, please. As far north as possible in your given range. Will be there only winter-time, though.
by Carls
Tue Jun 28, 2011 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: To Trust or not to Trust
Replies: 24
Views: 3651

Often overlooked, but possibly the most important reason is protection from a Court-appointed guardian in case of partial or complete incompetency. Ask your attorney about this. Seems kind of far-fetched. It's not.
by Carls
Sat Jun 25, 2011 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best Carte Bleue in France
Replies: 0
Views: 335

Best Carte Bleue in France

Unlike the US, most French banks charge for their debit cards. Seems a shame to pay roughly 40 euros per year for this card. However, it really is essential to have one to avoid carrying cash. Any suggestions?