Search found 72 matches

by Ztx
Sat Oct 19, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Any experiences (good/bad) with EasyJet for EU travel?
Replies: 24
Views: 1670

Re: Any experiences (good/bad) with EasyJet for EU travel?

I've flown them twice - they are ok. I believe seats didn't recline but not 100% sure.

What I do remember for sure is that they watch carry on luggage like hawks. I was asked to measure and weigh it both times so make sure it's nor over the (relatively low) threshold.
by Ztx
Sat Oct 19, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9516

Re: Do you carry your passport with you during international travel?

Many countries require tourists to carry passports as a proof of legal entry. It's probably rarely (if ever) enforced but I carry passport with me in a safe bag (google "PacSafe bags"). One additional benefit is tax-free shopping that typically requires a passport to get a discount. Do you carry a ...
by Ztx
Tue Oct 15, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2440

Re: Car renting

My 2 cents: - Agreed with the previous posters that there is not much difference between major rental companies. Those ratings are mostly meaningless unless the difference is more than 1-1.5 stars. - I always take pictures of the car while still on the lot. In case there try to put previous damage ...
by Ztx
Mon Oct 14, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2440

Re: Car renting

My 2 cents: - Agreed with the previous posters that there is not much difference between major rental companies. Those ratings are mostly meaningless unless the difference is more than 1-1.5 stars. - I always take pictures of the car while still on the lot. In case there try to put previous damage o...
by Ztx
Mon Oct 14, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2823

Re: Selling used car experience (dealer vs online vs in person)

I sold my last 2 cars on Craigslist - no issues and sold within a week. I read that the cars that sell the best are under $10K (both of my cars were). Just make sure to meet at the bank so you could deposit cashiers check or cash right aways to make sure it legitimate. Do not take personal checks.
by Ztx
Mon Oct 14, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6217

Re: Frustrated with dentist fees

As many people already mentioned, it's not easy to know beforehand what insurance will or will not cover. Even if dental office calls insurance and tries to get that information, it's not always fully correct. It happens all the time that insurance representative says that a service will be covered,...
by Ztx
Mon Oct 14, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9516

Re: Do you carry your passport with you during international travel?

Many countries require tourists to carry passports as a proof of legal entry. It's probably rarely (if ever) enforced but I carry passport with me in a safe bag (google "PacSafe bags"). One additional benefit is tax-free shopping that typically requires a passport to get a discount.
by Ztx
Sat Oct 12, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Reliable SUV under $10K. Any recommendations?
Replies: 5
Views: 561

Re: Reliable SUV under $10K. Any recommendations?

bloom2708 wrote:
Sat Oct 12, 2019 12:55 pm
I like the size and smooth ride of the Edge. It would be a good choice. 2013 and up Escape if she thinks the Edge is too big.
Thanks! Escape might be on a smaller side. How was your experience reliability-wise with Edge?
by Ztx
Sat Oct 12, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Reliable SUV under $10K. Any recommendations?
Replies: 5
Views: 561

Re: Reliable SUV under $10K. Any recommendations?

Howdy Bogleheads! Looking for a reliable suv recommendation for my mom for under $10K. She will drive it for 2-3 years, probably 6-7 K miles per year. It needs to be able to safely transport her granddaughter. Any thoughts on Ford Edge 2011-2012? Looks like I can get one for ~$10K or so. Also looki...
by Ztx
Sat Oct 12, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Reliable SUV under $10K. Any recommendations?
Replies: 5
Views: 561

Reliable SUV under $10K. Any recommendations?

Howdy Bogleheads! Looking for a reliable suv recommendation for my mom for under $10K. She will drive it for 2-3 years, probably 6-7 K miles per year. It needs to be able to safely transport her granddaughter. Any thoughts on Ford Edge 2011-2012? Looks like I can get one for ~$10K or so. Also lookin...
by Ztx
Sat Sep 21, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 4914

Re: Dental Insurance for Retirees

There is no such thing as dental "insurance." What do you mean? I pay Aetna $31 a month for dental, vision, and hearing insurance. TravelforFun Dental "insurance" is the opposite of insurance. It covers basic small stuff but coverage is very poor for major expensive work. It would be like if your a...
by Ztx
Mon Jul 08, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4400

Re: How to obtain contracted rates for medical procedures?

The "negotiated rates" are created and kept by your insurance company, NOT the doctors office. If you have the CPT codes, just ask your insurance. Good luck on getting them to tell you though. They won't even tell the doctor's office. The office does NOT bill the "negotiated" rate, they bill their ...
by Ztx
Mon Jul 08, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4400

Re: How to obtain contracted rates for medical procedures?

The "negotiated rates" are created and kept by your insurance company, NOT the doctors office. If you have the CPT codes, just ask your insurance. Good luck on getting them to tell you though. They won't even tell the doctor's office. The office does NOT bill the "negotiated" rate, they bill their ...
by Ztx
Sat Jun 22, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8355

Re: How do you approach tipping at carry-out restaurants

I just tip $1-$2 for carry-out.
by Ztx
Sat Jun 22, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 2202

Re: First Class Seats Domestic USA

I recently scored inexpensive first class tickets on Alaska Airlines (surprisingly it was just one way $70 more than coach) and the seats were extremely comfortable , wide and with tons of leg room. (it was a small Embraer E75). Not sure how to go back to coach experience now , but I won't pay "full...
by Ztx
Fri May 24, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2315

Re: Fly cross-country with a cat

I flew with a cat few times on American Airlines and it was not a problem (2 hr flight though). But you need to call the airline and notify them about the pet since, I believe, there is a limit for number of pets on each flight. There is a small extra fee (I think $50 or so) Yes, definitely get a ca...
by Ztx
Thu May 23, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1465

Re: Best bassinet

+1 for the Halo Bassinet. We used it only for 3-4 month and then the baby moved into a crib in a separate room but it was very convenient.
by Ztx
Tue May 21, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9309

Re: Anyone else looking forward to Game of Thrones?

. Daenerys's actions don't make sense, She's been on the verge of making rash, impulsive decisions since day one. She's had advisers to keep her in check. Combined with the loss of two of her children, plus Missandei and Ser Jorah, her actions were entirely predictable. She's wanted to burn cities ...
by Ztx
Tue May 21, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9309

Re: Anyone else looking forward to Game of Thrones?

I think the last season was pretty disappointing. It has great visuals but the story wasn't as good as before. Daenerys's actions don't make sense, Jon Snow did so many stupid things. Such buildup for 7 season for nothing...
by Ztx
Sun May 19, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Recent Stays in Riviera Maya Area of Mexico
Replies: 11
Views: 1676

Re: Recent Stays in Riviera Maya Area of Mexico

Went in December last year and it was bad. Big hotels do clean their beaches so it's less of a problem (we stayed in the city though).
We like to swim in the ocean and there was quite a bit of seaweed - not very pleasant .
by Ztx
Sun Apr 28, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Is 2 weeks in Amsterdam a bit much?
Replies: 45
Views: 3734

Re: Is 2 weeks in Amsterdam a bit much?

We spent 4 days and it was plenty (not interested in art though). I recommend to at least take a day trip somewhere (we went to Rotterdam and spent an awesome day biking do Kinderdijk (place with windmills- very prety!)
by Ztx
Sun Apr 28, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: The wisdom of prepaying notes (car, home, etc.)
Replies: 38
Views: 2963

Re: The wisdom of prepaying notes (car, home, etc.)

It may not be logical for you or many. Everyone's situation is different. I wanted a safer, nicer, newer car. And I can afford it. My CPA also tells me I can tax deduct it, which was a nice surprise. The delta on the interest rate was minimal for an 84 month versus a 36/48 month note. That being th...
by Ztx
Thu Apr 04, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2724

Re: cost analysis on buying vs. renting skis?

Former ski instructor here (and one who owns a dozen skis for different conditions). Rent everything except boots. Why? Its a hassle to carry skis around, you have to maintain them, and they are really irrelevant. Changing skis doesn't change the ski experience much. Boots on the other hand, make a...
by Ztx
Sat Feb 09, 2019 11:48 pm
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 53
Views: 4396

Re: a week in Italy(first time)

Depends on what you like doing. We don't do museums , for example, so we just mostly wander and enjoy the atmosphere. With that in mind we had 3 days in Rome and 2 in Florence and it was plenty (do spend few days driving around Tuscany if you have time) We really enjoyed Venice (and all other cities...
by Ztx
Wed Feb 06, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Should I purchase MacBook Pro or MacBook Air?
Replies: 23
Views: 1713

Re: Should I purchase MacBook Pro or MacBook Air?

Thanks for the quick responses. Current machine is Dell (Windows 10; iCore 7); however Sketch only works on Mac. I'll up the SSD to 1TB. Budget is $1500/$1600, but looks like I may have to go above that. Have you played with the butterfly keyboard that comes with each of these? Be sure that you are...
by Ztx
Tue Jan 29, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Where to stay for 1 week in Madrid?
Replies: 25
Views: 1395

Re: Where to stay for 1 week in Madrid?

- Barrio Salamanca is a nice neighborhood, though a bit further away from city center. Madrid is very walkable though - we stayed right in the center near Puerta Del Sol metro station and enjoyed it - definitely recommend a day trip to Toledo... Stay a bit after sunset to wander medieval streets in ...
by Ztx
Wed Jan 16, 2019 12:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 72
Views: 10381

Re: Vanguard will use blockchain to share index data

I find this puzzling. The blockchain hype train is leaving the station. Seems like a case of the old saying: when you have a hammer, everything looks like a nail. +1000 I work in IT, and every IT exec wants to figure out a way to say they are using blockchain technology. The use is completely inapp...
by Ztx
Fri Jan 11, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 2939

Re: Cancun in January

If you're going to an all-inclusive I don't think you'll have any troubles. We got back from Playa del Carmen 2 weeks ago and we had good time overall and we just stayed in a condo in Playa right off the Quinta Avenida. My 2 cents: - most restaurants/stores in touristy areas take credit cards, so we...
by Ztx
Tue Jan 08, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 3434

Re: Too many credit cards?

I have around 10 (around 4 active and 6 churning)... 3 is not a big deal at all.

if you want simplicity then you can just get Citi Doublecash that gives 2% cashback on everything and use it everywhere.
by Ztx
Sun Dec 30, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2502

Re: Tips to Save without hassle

Pay yourself first. Probably the single most important financial paradigm of all time. "Richest Man In Babylon" should be required middle school reading, in my opinion. Yes, it's a great book. One line from the book , when the main character was explaining how he got rich (" So I went to Nippur and...
by Ztx
Sat Dec 22, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10707

Re: When did the musicians on the titanic realize their fate?

100% stocks ...~15 years till retirement.
Not enjoying seeing my balance decrease, but nothing I can do about it. Staying the course, hoping to remain employed and keep accumulating.
by Ztx
Tue Dec 11, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2867

Re: Trip to Italy

Don't worry about booking the flight directly to Italy if it's expensive. Looks flights to other major airports : Paris CDG, Madrid, London, Frankfurt. There is a lot of inexpensive flights within the Europe on discounts airlines (think EasyJet and other airlines)... Once we flew from US to Paris a...
by Ztx
Tue Dec 11, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2867

Re: Trip to Italy

Play the credit card sign up bonus game to help fund the trip if you can meet the credit score and minimum spending requirement (often like : spend 3,000 in the first 3 month to get 60K miles bonus etc). See what airline has a hub at the closest major airport and sign up for several credit cards (fo...
by Ztx
Tue Dec 11, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8409

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

My 2 cents on travel: (though I'm in my late 30s so relatively far from retirement) - Several people in this thread mentioned that they had traveled extensively for work and now consider travel a hassle. I (thankfully) travel very little for work (in the US only) and mostly hate every single trip. O...
by Ztx
Fri Dec 07, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 6562

Re: portable jump starters

I was skeptical about portable jump starters and got a rather large battery jump starter from costco (it was about the size of regular car battery, even slightly bigger). It worked fine few times but then once failed to start the car even though it was full charged. Then I recalled about a portable ...
by Ztx
Fri Nov 30, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2809

Re: Guy's Western US Ski Trip - suggestions?

Starfish wrote:
Fri Nov 30, 2018 10:49 pm
It was between Christmas and NYE week, maybe that was the reason.
could be... we usually go in February
by Ztx
Fri Nov 30, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2809

Re: Guy's Western US Ski Trip - suggestions?

Starfish wrote:
Fri Nov 30, 2018 3:40 am
I stayed 2h in line in those bowls....
in Vail? weird... I skied back bowls (Blue sky basin etc) there even on weekends and never had to wait more than few mins
by Ztx
Thu Nov 29, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2809

Re: Guy's Western US Ski Trip - suggestions?

Another vote for Colorado : Breckenridge, Vail etc. We've been skiing there for the last 9 years, usually staying in Frisco or Silverthorne and hit different mountains every day (you have Keystone, Breckenridge, Vail and Beaver Creek within 60 minute drive in good weather). But got tired of it a bit...
by Ztx
Sat Jul 07, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 5360

Re: Which advanced tech is necessary in cars?

Got a 2017 Lexus with most safety features: - Rear Cross Traffic Alert - VERY NICE! Helps to back out of parking spots, driveway etc... Works really well. Of course, I do look around as well but if it beeps I just wait. - Backup camera - must have. I have even installed an after-market one on my wif...
by Ztx
Sat Jun 23, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5958

Re: Apple MacBook Air On Sale $699

I had been on MacBook Air 13" for 7 years until I switched to MacPro 15"). I think even with the outdated specs nothing comes close to what Air has to offer in terms of battery life, weight , thinness _and_ trackpad. In fact, before switching to MacPro 15" because I needed a bigger screen (I kept th...
by Ztx
Sun Jun 10, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: “Day to kill” in Venice Italy
Replies: 51
Views: 4430

Re: “Day to kill” in Venice Italy

Wander. Get lost (not that you can completely without falling into the lagoon). Get away from the touristy areas and discover things in the back alleys. .... Depends on what you like, of course, but I would second this advice. We spent 2 days wandering and could have easily spent 2 more. Also, if t...
by Ztx
Thu May 17, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 15879

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I really like the look of the new Lexus SUV. I guess it isn't for everyone. The Volvo is super nice I'm just worried about reliability and the cost of maintenance. Yeah, from what I'm reading on forums it's either love or hate. I've got 2017 RX and love the way it looks. Previous generation was way...
by Ztx
Fri May 11, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 7002

Re: New Car Suggestions: BMW Crapping Out

Hi Bogles, I am leaning toward the Highlander but also considering Mazda CX-5, CX-9 and Lexus NX. Honda is out of the question bc their suv’s are ugly. Highlander or RX will be your best bet. Under the hood, their is nothing terribly different between the two unless you get the Lexus RX sport. Inte...
by Ztx
Sat Apr 14, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 3249

Re: When/how did you start teaching your child about personal finance?

My daughter is 34 now. We got her a checking account when she was about 7 or so and taught her to use it and to balance her account monthly. I am amazed when she tells me how many of her acquaintances do not know how to balance a check book, or even how to write a check. She is a great money manage...
by Ztx
Fri Apr 06, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: My wife being added to my single-member LLC
Replies: 16
Views: 2201

Re: My wife being added to my single-member LLC

just bumping this thread up in case somebody can provide an advice. thanks!
by Ztx
Wed Apr 04, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 14498

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

Many companies are already using blockchain for various uses including Vanguard. https://pressroom.vanguard.com/news/Press-Release-Vanguard-Using-Blockchain-Technology-To-Improve-Index-Data-Distribution-121217.html I'm a huge believer in decentralization, which to me is why the technology has promi...
by Ztx
Wed Apr 04, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: My wife being added to my single-member LLC
Replies: 16
Views: 2201

Re: My wife being added to my single-member LLC

I have a similar question: my wife is in medical field and we created a single-member PLLC in Texas (she's the only member). I have a day job but do quite a bit of work for the PLLC: (IT, financials, marketing etc). I would like to join her on trips to various conferences and the PLLC to pay for it....
by Ztx
Mon Apr 02, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 14498

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

I still fail to see the value of blockchain for many real business (disclaimer: I'm a software engineer). It seems like the companies involved with blockchain just don't want to miss out on the investments/stock gain due to this buzzwords without real need for the technology What would be the benefi...
by Ztx
Sat Mar 31, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 20876

Re: Are we missing recession /bear market beginning

.... "I'm not just going to dismiss this, I actually will ask more questions and see what's reproducible." ... Md& Pharmacist - I would like to ask more specific questions on your strategy , if you don't mind: 1) What is your specific criteria when you decide that the sector stopped performing and ...
by Ztx
Sat Mar 31, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 20876

Re: Are we missing recession /bear market beginning

MD&Pharmacist - thank you for the detailed response.
Congratulations on your success, it is very impressive!