Search found 972 matches

by jminv
Fri Nov 15, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Name on an International Ticket
Replies: 10
Views: 784

Re: Name on an International Ticket

My wife booked a couple of tickets on TAP Airlines from Portugal to Atlanta. I looked at the confirmation a couple of days later and noticed I was listed as "Ken" not "Kenneth". When she called TAP and tried to change it she was told that the ticket would have to be refunded and then re-purchased. ...
by jminv
Sun Nov 03, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs [Dynamic Currency Conversion]
Replies: 64
Views: 4564

Re: Sneaky ATMs in Europe

Yes this is an emerging problem which I also posted in the old thread linked above. In France, BNP Paribas ATMs have had this since early this year. When you withdraw cash, they make it appear that you have to accept the conversion to get money since the other option was 'cancel'. I think now they'v...
by jminv
Sun Nov 03, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: South Pacific Travel (Bora Bora, Moorea, Society Islands)
Replies: 12
Views: 1562

Re: South Pacific Travel (Bora Bora, Moorea, Society Islands)

Since no one else brought it up, I will: Ponant is an option. They are a French cruise line but have english speaking staff and english speaking customers. They have a lot of destinations that other cruise companies don't which is the point, look at some of them. Makes sense they have Tahiti cruises...
by jminv
Wed Oct 23, 2019 4:56 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11690

Re: Inside Fisher Investments

Throughout the years both my father and I received their solicitation letters. They always went from the mail to the trash but I was always a little curious what they were about exactly since their letters were out of the blue and followed me as I moved around the country. I think they mass mail bas...
by jminv
Sun Oct 20, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: When to buy Fed. Long Term Care Ins. (FLTCIP)?
Replies: 13
Views: 997

Re: When to buy Fed. Long Term Care Ins. (FLTCIP)?

My family is all in good health. My wife and I are in our 30s. And I’m a new federal employee. As a federal employee I have access to programs such as Federal Long Term Care Insurance Program (FLTCIP). Is long term care insurance a good idea with either this plan or a private 3rd party? And, as I a...
by jminv
Sat Oct 19, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Any experiences (good/bad) with EasyJet for EU travel?
Replies: 24
Views: 1682

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

They're fine. Since they're two tickets it is of course important to build in a safety time frame which you've done.
by jminv
Sat Oct 19, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3126

Re: SAT/ACT prep courses worth the money?

Buy a sample of prep books. Physical, not digital. Have them then take a sample test and identify their weak areas. Then buy the books that go more in depth to the areas where they are weak. Retest and evaluate. There are strategies on how to approach/to answer test questions that all the common boo...
by jminv
Sun Oct 13, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9578

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

It’s not commonly known, but Americans *can* have two US passports. One is a 10-year, the backup is a 2-year. Wow, is this true? I've never heard of this before, do you have a cite? Can confirm, it is true. You could ask for the 2 year passport (it's actually 4 years now changed sometime late 2018)...
by jminv
Thu Oct 03, 2019 5:40 am
Forum: Investing - Theory, News & General
Topic: 5% APY? Myconstant.com
Replies: 6
Views: 1077

Re: 5% APY? Myconstant.com

Let's be honest about what this site is: lending to bitcoin/cryptocurrency speculators with the loan secured by crypto (so it's not unsecured lending). It's actually really more like margin loans so at least some of the borrowers who are borrowing the money do so to further invest in cryptocurrency....
by jminv
Thu Oct 03, 2019 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4780

Re: Chase Bank canceling credit cards??

My friend just received a letter today from Chase Bank informing him that as of October 15 he will no longer be allowed to use his Chase/United Mileage Plus Credit Card (which he has had for over 15 years). The reason given was that Chase is no longer allowing "non-U.S. current or former officials ...
by jminv
Mon Sep 30, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Repaying relocation
Replies: 28
Views: 1393

Re: Repaying relocation

Talk to an employment lawyer and have them deal with this and handle the negotiation or just to explore your options. It doesn't sound like your husband would get the best deal possible without one, given that he just wants to leave and feels like he's not doing his new job well, through no fault o...
by jminv
Mon Sep 30, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How does SS security office knows you're alive?
Replies: 19
Views: 2577

Re: How does SS security office knows you're alive?

My parents live overseas and are collecting SS. They know it is their responsibility to notify SS office if one of them dies, but are they required to report (every so often) that they're still alive? How does the SS office know you're still alive? Some European countries require their expat citize...
by jminv
Mon Sep 30, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: How does SS security office knows you're alive?
Replies: 19
Views: 2577

Re: How does SS security office knows you're alive?

My parents live overseas and are collecting SS. They know it is their responsibility to notify SS office if one of them dies, but are they required to report (every so often) that they're still alive? How does the SS office know you're still alive? Some European countries require their expat citize...
by jminv
Mon Sep 30, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Repaying relocation
Replies: 28
Views: 1393

Re: Repaying relocation

Hi all, I'm going to try not to give too many details here because it's a delicate situation, but my husband and I could use some advice. We both use this account and he's asked me to post. About six months ago he accepted a new job that seemed like a great opportunity and we moved across the count...
by jminv
Mon Sep 30, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Employer is relocating - how to be allowed to work remotely
Replies: 51
Views: 3851

Re: Employer is relocating - how to be allowed to work remotely

Yes, you are beating a dead horse. The "irreplaceable" people in my company, me being one of them, all work in R&D and have PhDs in very narrow fields. Losing one of us will have zero affect on the business in the short term but will decide whether the business, which hasn't been profitable for yea...
by jminv
Sat Sep 28, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Employer is relocating - how to be allowed to work remotely
Replies: 51
Views: 3851

Re: Employer is relocating - how to be allowed to work remotely

Sometimes, these moves are designed to get rid of a large number of people as they know not many will take them up. Consider that as a possibility. If you are difficult to replace in the short term, talk to your boss about how many others work remotely, whether that will continue, and isn’t your job...
by jminv
Thu Sep 26, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 4784

Re: *UPDATE* A/C and furnace - flooding

Service contracts are partly a selling tool. They’re a way for hvac companies to sell repairs and replacements with less likelihood of the homeowner doing a price comparison. It creates a captive audience. My mother has one too and where it is helpful is diagnosing the problem and providing a detail...
by jminv
Wed Sep 25, 2019 5:43 am
Forum: Personal Consumer Issues
Topic: DFW to Tasmania - 15 hour time change
Replies: 51
Views: 3148

Re: DFW to Tasmania - 15 hour time change

Thanks for all the advice, folks. It's very much appreciated. I have done a lot of international travel but this will be first time to Australia. I have traveled to Japan before and did fine. Hydration, as several mentioned, has always been really important. And, yes, I definitely plan to do some s...
by jminv
Fri Sep 20, 2019 3:44 am
Forum: Personal Investments
Topic: How to Interpret a Zero Coupon Municipal Bond
Replies: 44
Views: 2407

Re: How to Interpret a Zero Coupon Municipal Bond

vineviz wrote:
Thu Sep 19, 2019 8:43 pm

For one thing, at the very least, I hope the OP lives in New Jersey.
OP appears to be living in California as OP states that if sold they would probably be replaced with California munis.
by jminv
Tue Sep 17, 2019 6:43 pm
Forum: Personal Investments
Topic: How to Interpret a Zero Coupon Municipal Bond
Replies: 44
Views: 2407

Re: How to Interpret a Zero Coupon Municipal Bond

Hi All-- I recently inherited a NJ zero coupon municipal bond. It was purchased on the secondary market by my mother's broker. According to Vanguard, the bond has a current market value of $8,591.30. It has face value of $10,000. It matures on 12/15/26. It was originally issued on 06/01/06, but my ...
by jminv
Fri Sep 06, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4672

Re: Co-sponsoring an immigrant's sick family member

Update: Juan's attorney called me and was able to provide much more detail on the circumstances. Specifically: 1. His son is not applying for a greencard, but rather for a temporary B2 Visa, which is apparently normally used for tourism, but can also be used for medical tourism. As such, they are a...
by jminv
Wed Sep 04, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7763

Re: First-hand experiences with United Basic Economy for families?

Congress already passed rules against separating families with children 14 and under but the dept. of transportation won't enforce it. Does anyone have any more information about this? I would like to know what laws and other rules exist at least to be informed. The act directed the DOT to write a ...
by jminv
Wed Sep 04, 2019 3:12 am
Forum: Investing - Theory, News & General
Topic: Forbes: The Bubble That Is The S&P 500 Index
Replies: 38
Views: 7357

Re: Forbes: The Bubble That Is The S&P 500 Index

https://apple.news/AcB10PjW9TNK5FHePJxdUzw What do you recognize the fallacies to be, if any, in this article? This 'story' rattles off some summary statistics about a few stocks in the S&P 500. It says that apple 'is the only stock worth buying' out of the bunch since Microsoft and especially amaz...
by jminv
Wed Sep 04, 2019 3:01 am
Forum: Personal Consumer Issues
Topic: Tesla Auto Insurance
Replies: 1
Views: 484

Re: Tesla Auto Insurance

Has anyone purchased Tesla Auto Insurance for your Tesla? My Geico increases premium 100% since last year after one claim. I got an online quote from Tesla's insurance site and it's about $500 cheaper than Geico for the Tesla itself. Before jumping on, I'd like run pass bogleheads if I might overlo...
by jminv
Sun Sep 01, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4672

Re: Co-sponsoring an immigrant's sick family member

Thank you all for the feedback here and via PM. Sounds like my fears of near-unlimited risk are well-founded, which is unfortunate. We could afford to gift Juan significantly more than $1,500 I loaned him, but I am not on track to be "retire with a 2% safe withdrawal rate" wealthy either. I still p...
by jminv
Sat Aug 31, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Vrbo vs Airbnb watch for price differences
Replies: 4
Views: 627

Re: Vrbo vs Airbnb watch for price differences

In europe especially, the same total listing price can be 2 x higher on airbnb than on booking.com for less in demand places. It pays to search around wherever you are.
by jminv
Sat Aug 31, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move small load 1000 miles
Replies: 40
Views: 3369

Re: Most economical way to move small load 1000 miles

ABF Upack cube, cheaper than pods. What it costs will depend on the city pairs - if it's in demand it will be expensive, if not can be pretty cheap. You can save money by loading and unloading at the terminals,ie, not having the cube delivered to you. There are also coupon codes available online for...
by jminv
Sat Aug 31, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4672

Re: Co-sponsoring an immigrant's sick family member

Be also aware of the new changes to the 'public charge' rule. In a nutshell, if an immigrant uses public services such as welfare, medical, or cash assistance, this will be taken into account when the immigrant applies for permanent or citizen status. The unspoken implication is that if you use gov...
by jminv
Sat Aug 31, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: eSim for international roaming not worth it?
Replies: 5
Views: 480

Re: eSim for international roaming not worth it?

I usually buy a SIM off Amazon before an international trip as I have a prepaid plan with no (reasonable) international roaming. It has worked pretty well and is fairly reasonable. Now I have a Pixel 3XL and it can use an eSim and I thought that would be easier (no switching out sims at the start/e...
by jminv
Fri Aug 30, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5950

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Went in to BoA to cash a check written out in my name – the check was drawn on BoA. I am not a BoA customer. After providing several forms of ID, was requested to put (in ink) a fingerprint on the check, before they would cash it out. I was blown away by this request, said no thank you and drove to...
by jminv
Fri Aug 30, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4672

Re: Co-sponsoring an immigrant's sick family member

No, don't do this. You are opening yourself up to unlimited financial liability for up to 10 years. Doubly no since it's explicit that the reason to bring this child to the usa is to make use of public benefits not available in his home country. The child won't be working but will be receiving healt...
by jminv
Fri Aug 30, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: Buy limit order question.
Replies: 14
Views: 714

Re: Buy limit order question.

Is there a way to set a buy limit order not to execute at a lower price? I wanted to buy VTI if it went above 150 or fell below 148. I had already bought at 149 and didn't want any more in the 149 range. I know it is time in the market and not market timing but my question still stands as I'm exper...
by jminv
Fri Aug 30, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiary is “unbanked”
Replies: 28
Views: 2053

Re: Trust beneficiary is “unbanked”

It is not a special needs trust. The amounts we are discussing while significant, are too small for professional management. At this point, monies are managed for the benefit of my mother. At her passing, this will be my issue ( & with attorney guidance) to handle. Annuitizing may be an option. If ...
by jminv
Sun Aug 25, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5641

Re: Alumni donations to help children get into college

Many schools will give preferential admissions to legacies without any gifting required. Student still needs to be competitive and legacy preference depends on school. Check how it works at yours. For donations, yes, it can but you normally have to do more than contribute 1-2k/year. Try to get on a ...
by jminv
Sun Aug 25, 2019 5:40 am
Forum: Personal Consumer Issues
Topic: Bitten by a dog; owner took dog and ran away.
Replies: 19
Views: 3972

Re: Bitten by a dog; owner took dog and ran away.

Why have the police/animal control not yet talked to him and taken the dog? You know where he lives and even better he might have warrants. I was bitten by a dog as a child, was dealt with same day by the police. Call police/animal control again, explain the situation regarding rabies and why this i...
by jminv
Sat Aug 24, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8689

Re: How to help an employee who is in debt and requesting a loan

Question: What would you do? My spouse had got an email request to lend an employee $4000. She states she is desperate and has no way to pay for needed car repairs or get her young children ready for school. She promises to pay back $ 200 a month (no mention of interest, or collateral). The husband...
by jminv
Fri Aug 23, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Foundation Repair Questions
Replies: 11
Views: 1038

Re: Foundation Repair Questions

I just wanted to add to my earlier post that the OP should ask his engineer why they chose one method over another. Asking here isn't going to help much because it's dependent on your specific situation. Have the engineer explain both methods to you, your situation, and why the one is superior in yo...
by jminv
Fri Aug 23, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Foundation Repair Questions
Replies: 11
Views: 1038

Re: Foundation Repair Questions

We are seeing cracks in our garage (Texas - Clay soil, slab foundation). We called a few foundation companies and are going to have an engineer survey the property next week. Upon meeting two people so far, we have received conflicting recommendation 1. One recommends concrete press piling and othe...
by jminv
Wed Aug 21, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 50
Views: 4217

Re: How do you get billed for child's college when not enough cash?

Planning for when my child starts college and was wondering how the payment/billing works. Does it work similar to this? 1. accepted to college 2. apply for aide 3. college determines cost and bills parents for the first year 4. apply aide (if available) and payment (cash/529, etc...) to college bi...
by jminv
Mon Aug 19, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Loan Program to use
Replies: 3
Views: 270

Re: Loan Program to use

May need to relocate for work and am trying to figure out the best type of loan package to look at for this situation. Current House has about 130,000 of equity (worth around 360,000) New house around 425,000 Cash on hand for a down payment is 85,000 or 20% to avoid PMI. This money is coming out of...
by jminv
Sun Aug 18, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: How to save on international business class fares for family
Replies: 29
Views: 2477

Re: How to save on international business class fares for family

I plan to take my family (wife, 5 year old and a 20 month infant in lap) to India to visit great grandparents during San Francisco Christmas break and then return with a stopover somewhere in Europe for a brief vacation. With an infant in lap, we want to fly business class for all the legs. The che...
by jminv
Fri Aug 16, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466762

Re: What are you up YTD? [Year To Date]

J G Bankerton wrote:
Fri Aug 16, 2019 9:14 am
jminv wrote:
Fri Aug 16, 2019 7:40 am
+21.23% YTD, long term treasuries (TLT).
My uncle is up 199%; Bitcoin.
Good for him, I guess.
by jminv
Fri Aug 16, 2019 7:40 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2530
Views: 466762

Re: What are you up YTD? [Year To Date]

+21.23% YTD, long term treasuries (TLT).
by jminv
Thu Aug 15, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11108

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

Something stinks about his research though. He was hired by a hedge fund, with an incentive to produce a report that would send GE shares down, because a good part of his compensation for producing that report is tied to the value of his/the fund's short position in GE. Hardly an unbiased way to st...
by jminv
Tue Aug 13, 2019 6:20 pm
Forum: Non-US Investing
Topic: Foreign Earned Income Exemption and U.S. 401k?
Replies: 24
Views: 1588

Re: Foreign Earned Income Exemption and U.S. 401k?

Also, note that if you are from Virginia (as suggested by your user profile), the state will tax your non-US income unless you take affirmative steps to completely terminate state domicile. From this article : Ted -- thanks for the heads up on the Virginia domicile. We'll have sold our cars and wil...
by jminv
Tue Aug 13, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Limits of HOA power - public streets
Replies: 25
Views: 2042

Re: Limits of HOA power - public streets

Interacting with the town or city is a fairly normal function of HOAs. One I am familiar with does it periodically. Roads are often an item of interest where homeowners want to make the streets safer for kids, pedestrians, to decrease street noise, etc. What they can and cannot do is specific to you...
by jminv
Mon Aug 12, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rate Reduction or Refinance
Replies: 14
Views: 713

Re: Rate Reduction or Refinance

Interested in opinions on whether to take a 4.25 to 3.875 rate reduction on a 600K mortgage for $700 out of pocket. 301 months remaining and a savings of $125/mo. 6 months to breakeven. OR 4.25 to 3.875 refinance and 3000 closing costs (rolled into mortgage), reset to 360 months for a monthly savin...
by jminv
Sat Aug 10, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Home Claim issues
Replies: 6
Views: 711

Re: State Farm Home Claim issues

I want to request my guy do it and state farm pay for it as they are paying their guy anyway. If anyone has had experience like this with State Farm and can offer any insight, would be appreciated. State Farm is not going to let you take control of deciding whether State Farm is liable so they are ...
by jminv
Fri Aug 09, 2019 8:28 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 35
Views: 2834

Re: so many issues for US expats ... would forming an investing LLC in the US help?

Don't tell your broker you are moving overseas. It's really that simple. Instead of complicating things, use an address in the usa, a vpn, and a google voice number for two factor authentication. Schwab is actually okay with people who they know live part of the time overseas but not people who tel...
by jminv
Fri Aug 09, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Rent the Back Yard"
Replies: 41
Views: 3044

Re: "Rent the Back Yard"

It would be interesting if you knew beforehand that you would stay in the house for the life of the deal with the company (30 years) ie, you somehow knew ahead of time you wouldn’t be selling your house during this time. Otherwise, it would be comparable - but worse than - leased solar panels if you...