Search found 312 matches

by HawkeyePierce
Sat Jul 20, 2019 1:14 am
Forum: Personal Finance (Not Investing)
Topic: What are the best credit cards for car rental coverage?
Replies: 6
Views: 360

Re: What are the best credit cards for car rental coverage?

Note that credit card car insurance has some country exclusions. Usually New Zealand, Israel and a few others. You'd have to check the cardholder agreement to be sure. They also don't cover luxury cars but aren't always clear what that means. I think someone on FlyerTalk finally got Visa to admit an...
by HawkeyePierce
Sat Jul 20, 2019 12:49 am
Forum: Personal Investments
Topic: with 10K limit is an I-bond worth it?
Replies: 6
Views: 534

Re: with 10K limit is an I-bond worth it?

I'll just point out - you can buy more if you really want. A trust can also buy 10k and there is technically no limit on the number of trusts you can create to buy more if you want. A simple example, for a married couple: Spouse A buys 10k Spouse A trust buys 10k Spouse B buys 10k Spouse B trust bu...
by HawkeyePierce
Fri Jul 19, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 57
Views: 3311

Re: Trans-Atlantic Flight Delayed 12 Hours

I agree with the advice above to avoid small carriers like this for important trips. Condor has very few interline agreements beyond the Lufthansa Group (Lufthansa, Swiss, Austrian) and some small regional carriers. This means they have no ability to move you to other carriers besides that small lis...
by HawkeyePierce
Fri Jul 19, 2019 9:21 pm
Forum: Investing - Theory, News & General
Topic: Payments,Cash, and Saving $$ in Coffee Cans - Thoughts?
Replies: 7
Views: 485

Re: Payments,Cash, and Saving $$ in Coffee Cans - Thoughts?

Do you mean literally saving cash in a coffee can or metaphorically?

Metaphorically, this is the YNAB method. https://www.youneedabudget.com/the-four-rules/

I'd much rather have the money safe in a bank than stashed around the house.
by HawkeyePierce
Fri Jul 19, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: How much data do you have? [data backup issues]
Replies: 7
Views: 359

Re: How much data do you have? [data backup issues]

I have about 300GB backed up to Backblaze.

Always good to test your restoration!
by HawkeyePierce
Fri Jul 19, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 17
Views: 770

Re: Trip to Honolulu

Home of the Brave Museum and the Wiki Waki Woo 1940's-era tiki bar on the roof. http://homeofthebravehawaii.com/wiki-waki-woo-speakeasy I was in Honolulu for the first time last month. I originally signed up for an all-day Pearl Harbor tour which was cancelled at the last minute, so instead I made m...
by HawkeyePierce
Fri Jul 19, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 119
Views: 7628

Re: Has anyone seen the documentary "Playing with FIRE?"

I view FIRE as risk mitigation. I'm a young high earner in tech but there's zero guarantee this income continues over the course of my entire career. Reaching FIRE reduces my risk exposure to the wild swings of the tech industry. I'm making north of $300k today but is that sustainable? Compensation ...
by HawkeyePierce
Thu Jul 18, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 6867

Re: Is good, quality luggage worth the price?

Red Oxx. For luggage that can truly stand up to lots of use, this is the answer. I've had a Red Oxx Air Boss for eight years. I've taken it all over the world. It's fallen off the backs of pickups on jungle roads, been dunked in the Gulf of Thailand and transited more airports than I can remember. I...
by HawkeyePierce
Thu Jul 18, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 119
Views: 7628

Re: Has anyone seen the documentary "Playing with FIRE?"

It depends heavily on which state someone is in (i.e. did their state expand Medicaid or not) and what level of taxable income they have as that determines their qualification for subsidies under the ACA. If your income is under 400% of the federal poverty level ($100,400 for a family of 4) you qua...
by HawkeyePierce
Thu Jul 18, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 119
Views: 7628

Re: Has anyone seen the documentary "Playing with FIRE?"

I think that this is all well and good to debate people's attitude toward early retirement and consumerism, but serious question. What do you do about healthcare when you retire at 30? 40? 50? Do you just not go to the doctor? Self pay everything? When you retire at 40, then your kid is diagnosed w...
by HawkeyePierce
Thu Jul 18, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Vancouver in October
Replies: 9
Views: 646

Re: Vancouver in October

I recommend a bike ride around Stanley Park.
by HawkeyePierce
Wed Jul 17, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?
Replies: 15
Views: 846

Re: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?

Keep in mind, CK's business is getting you to sign up for new credit cards. They're going to bias towards sending you more emails to get you to log in and hopefully sign up while you're there.
by HawkeyePierce
Wed Jul 17, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 25
Views: 1555

Re: Grand Canyon and More In October

Ah, I wasn't aware of a closure. I would email one of the Springdale outfitters and ask them.
by HawkeyePierce
Wed Jul 17, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Lightweight, durable, laptop bag
Replies: 23
Views: 960

Re: Lightweight, durable, laptop bag

Third for Tom Binh. I'd look at either the Daylight Briefcase or the Cadet.

I have the Co-Pilot and like it quite a bit.
by HawkeyePierce
Wed Jul 17, 2019 4:46 am
Forum: Personal Investments
Topic: Fidelity zero-fee index fund questions
Replies: 18
Views: 3305

Re: Fidelity zero-fee index fund questions

The biggest risk (IMO) with these zero-fee funds compared to similar low-cost funds is that Fidelity's zero-fee funds can only be held at Fidelity. If you want to switch brokerages later you'd have to liquidate, which could be a taxable event depending on what sort of account you hold them in.
by HawkeyePierce
Tue Jul 16, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity & Vanguard check deposit apps
Replies: 4
Views: 406

Re: Fidelity & Vanguard check deposit apps

Your phone is almost certainly more secure than your home computer. This is especially true of iPhones if you require a passcode to unlock the phone.
by HawkeyePierce
Mon Jul 15, 2019 3:48 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 103
Views: 7296

Re: Switching form passive to active management

What other services do they offer that you're interested in? Perhaps the board has suggestions for those. I would think things like estate planning could be done "a la carte" if you hire specialists individually rather than bundling things. +1 I’d be interested in hearing about this too. It seems l...
by HawkeyePierce
Mon Jul 15, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2343

Re: Baking in the summertime?

Electric pressure cookers are another great summertime cooking tool.

Between an outdoor grill, toaster oven and pressure cooker I doubt you'd need the oven at all this time of year.
by HawkeyePierce
Mon Jul 15, 2019 4:00 am
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 103
Views: 7296

Re: Switching form passive to active management

What other services do they offer that you're interested in? Perhaps the board has suggestions for those. I would think things like estate planning could be done "a la carte" if you hire specialists individually rather than bundling things. Additionally, if they're bad at investing and overcharging ...
by HawkeyePierce
Sun Jul 14, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Denver
Replies: 9
Views: 1173

Re: Relocation to Denver

If you want urban, see what you can find in LoHi or downtown itself. Maybe Five Points. Tons of apartment buildings have been going up around Union Station and it's RTD's main hub so you'd have transit access to anywhere.

Denver's urban core is small. It's a pretty sprawling metro.
by HawkeyePierce
Sun Jul 14, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]
Replies: 27
Views: 1832

Re: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]

If it's just to look at does it really need to be an ounce? Seems expensive for what it sounds like will amount to a Canadian desk ornament.

Why not a 1/10th or 1/20th oz Maple Leaf instead?
by HawkeyePierce
Sun Jul 14, 2019 7:06 pm
Forum: Personal Investments
Topic: Passive vs active for parent's retirement
Replies: 19
Views: 1287

Re: Passive vs active for parent's retirement

My father learned the hard way to never invest with a friend. 65 years old and he's still with his advisor despite terrible performance and high fees because he doesn't want to hurt the friendship. Huge turnover, tons of individual stocks, active funds with high fees, annuities, whole life, you name...
by HawkeyePierce
Sun Jul 14, 2019 4:46 pm
Forum: Personal Investments
Topic: Responding to a CP2000 Notice
Replies: 28
Views: 2890

Re: Responding to a CP2000 Notice

Two thoughts:

1) If you have a tax preparer why isn't he dealing with all of this?

2) There is no need to call. Just mail off your response, it will work out.

A CP2000 is not a big deal. This isn't anything to lose sleep over. :)
by HawkeyePierce
Sat Jul 13, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 25
Views: 1555

Re: Grand Canyon and More In October

I agree with others that this is a lot for eight nights. I would consider basing myself in one place for the entire eight nights. Getting a vacation rental might save a lot of money anyways, plus you'll be able to cook some of your own meals. If you found a place near Zion you'd be well situated for...
by HawkeyePierce
Sat Jul 13, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: WaPo: "Mobile Passport" is the best-kept secret in air travel
Replies: 47
Views: 6491

Re: WaPo: "Mobile Passport" is the best-kept secret in air travel

I have TSA-Pre but not global entry. I tried the mobile app coming into LAX, LAX (as usual) was pretty disorganized, there were no signs but I think a guy waived me through a mobile only line. Took same amount of time as for regular line. I've seen actual kiosks at SFO, but not at LAX (may have bee...
by HawkeyePierce
Sat Jul 13, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2254

Re: Best way to deposit Euros to a US Bank

Transferwise is perfectly viable for US citizens. I'm a US citizen living in New Zealand and I use them. They have a TOS document specifically for US customers: https://transferwise.com/us/terms-of-use Thanks Hawkeye. Can you explain exactly how you use this service? Your situation possibly mirrors...
by HawkeyePierce
Fri Jul 12, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Financing my daughter's college with my 401K
Replies: 60
Views: 3559

Re: Financing my daughter's college with my 401K

Is there a cheaper college available?

I spent a fortune (literally) on my small private liberal arts school and frankly I probably would've been just fine spending 1/4 of that at a state college.
by HawkeyePierce
Fri Jul 12, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 25
Views: 1555

Re: Grand Canyon and More In October

Here's my Zion recommendation. Various outfitters in Springdale offer trail shuttles. You can hire them to take you to the East Mesa Trailhead outside the eastern entrance to the park. You hike a couple miles through forest at the top of the canyon and end up at Observation Point (a viewpoint even h...
by HawkeyePierce
Fri Jul 12, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2254

Re: Best way to deposit Euros to a US Bank

Thanks, LadyGeek. I see this subject as twofold. The OP has a bunch of currency he wants to exchange in the most expeditious manner, but also there is the on-going need to get money in a foreign currency back to home currency in an expeditious manner. I agree that going the gold route is not such a...
by HawkeyePierce
Fri Jul 12, 2019 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2254

Re: Best way to deposit Euros to a US Bank

This may be off the wall, but I too struggle with trying to not get hit with currency exchange fees and other nonsense bank fees because they pay me in a currency not of my home country. I work in the middle east. One idea that I have had in the back of my mind although have not yet implemented is ...
by HawkeyePierce
Fri Jul 12, 2019 1:08 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 4705

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

But sometimes the asset allocation of the ultra-wealthy can withstand market crashes a little better. Do you have any basis for this statement? I would propose that a single investment in a 40/60 3-fund or even LifeStrategy Conservative (40/60) would have less drawdown in a crash than the average p...
by HawkeyePierce
Thu Jul 11, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Bank of America Credit Card from Another Bank?
Replies: 15
Views: 1149

Re: Pay Bank of America Credit Card from Another Bank?

I'm closing my BoA credit cards for the same reason. Their website is very hard to understand and I can never quite tell if I've set up payments correctly.
by HawkeyePierce
Thu Jul 11, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 88
Views: 4401

Re: Automatic Watches

I have two automatic watches, a Seiko SKX and an Orient Cosmos.

Both have been sitting in a drawer ever since I switched to a Fitbit.
by HawkeyePierce
Thu Jul 11, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7432

Re: Has anyone inherited a obligation/burden/responsibility?

Fortunately my father already sold the RV. :P The only major responsibility, which isn't that big, will be a collection of WWII items my grandfather captured from the Nazis. They're very interesting and family heirlooms but also not the sort of thing you can put on display without people getting a v...
by HawkeyePierce
Thu Jul 11, 2019 4:25 pm
Forum: Personal Investments
Topic: Active managed account
Replies: 8
Views: 611

Re: Active managed account

I would just do it now. What if it goes up another 10% and then only dips 5%?

Even if it does dip 10% next week, how much is that really saving you in tax? Is it worth the trouble?

Personally, I'd take the peace of mind that comes from streamlining all your investments.
by HawkeyePierce
Thu Jul 11, 2019 4:16 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 57250

Re: Your USER NAME...what does it mean?

The main character from my favorite TV show. :happy

Though after thinking about it, Hunnicut was probably more likely to be a Boglehead.
by HawkeyePierce
Thu Jul 11, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Which area to stay in Bangkok?
Replies: 12
Views: 1217

Re: Which area to stay in Bangkok?

I disagree that Bangkok isn't walkable. No, it's not a walkers' paradise but you'll get a far better sense of life in the city on your own two feet than you will in the back of a car. I mostly walked when I was in Bangkok and I didn't find it too bad. Bangkok, like most other SE Asian capital citie...
by HawkeyePierce
Thu Jul 11, 2019 4:27 am
Forum: Personal Consumer Issues
Topic: Which area to stay in Bangkok?
Replies: 12
Views: 1217

Re: Which area to stay in Bangkok?

I disagree that Bangkok isn't walkable. No, it's not a walkers' paradise but you'll get a far better sense of life in the city on your own two feet than you will in the back of a car.

I mostly walked when I was in Bangkok and I didn't find it too bad.
by HawkeyePierce
Wed Jul 10, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 21
Views: 1941

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

Hello, I just changed this at my employer last year. While you might fail the compliance testing all that happens is the contributions are given back to the highly compensated employees and taxes are taken out as if the after-tax contribution and conversion never took place. And that assumes you fa...
by HawkeyePierce
Wed Jul 10, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Which area to stay in Bangkok?
Replies: 12
Views: 1217

Re: Which area to stay in Bangkok?

Here's a good overview of the different areas of Bangkok: https://www.travelfish.org/location/thailand/bangkok_and_surrounds/bangkok/bangkok#coverage I've stayed in Silom before and it was fine. My only notes would be to avoid Khao San Road unless you just love drunk backpackers and that I found the...
by HawkeyePierce
Wed Jul 10, 2019 6:27 am
Forum: Personal Investments
Topic: HSBC Buffered accelerated Market Participation Securities
Replies: 18
Views: 681

Re: HSBC Buffered accelerated Market Participation Securities

I am highly suspicious of this for two reasons. First, it's being aggressively marketed. That's a screaming red flag to me. It means there is enough margin in the product, if only personnel time, to make it worthwhile to push. Second, it is not a simple product. It is difficult to understand and th...
by HawkeyePierce
Tue Jul 09, 2019 4:03 pm
Forum: Personal Investments
Topic: Where to invest down payment money for 2 years
Replies: 11
Views: 931

Re: Where to invest down payment money for 2 years

I'm in the exact same boat. I wound up just putting the money into a CD at Ally.
by HawkeyePierce
Tue Jul 09, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 5985

Re: my best new travel tip only $2 per day more

When I lived in Boulder, I was a good 45 minutes from the Denver airport. Since the city of Boulder provides free unlimited bus passes for the entire Denver area to employees working in the downtown business district, I would almost always take the bus. The airport route used big coach buses and too...
by HawkeyePierce
Tue Jul 09, 2019 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice from credit card churners - building supplies
Replies: 14
Views: 1067

Re: Seeking advice from credit card churners - building supplies

Don't a lot of building suppliers offer cash discounts? I'm a huge churner and I've racked up millions of points but if someone offers me a straight cash discount on a large purchase I'm likely to take that instead.
by HawkeyePierce
Tue Jul 09, 2019 2:30 am
Forum: Personal Consumer Issues
Topic: Travelling through the EU?
Replies: 20
Views: 1323

Re: Travelling through the EU?

You will go through Schengen area immigration (not customs) upon landing in Germany. Your next flight will be an intra-Schengen flight. You will go through customs upon collecting all of your bags at final destination, but it will likely be nearly invisible to you unless they are inspecting every c...
by HawkeyePierce
Mon Jul 08, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Insect Repellents
Replies: 4
Views: 378

Re: Insect Repellents

I always use Picaridin. It doesn't feel as greasy on the skin and doesn't hurt plastics.
by HawkeyePierce
Mon Jul 08, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Verizon iPhone international trip
Replies: 37
Views: 2073

Re: Verizon iPhone international trip

The latest iPhones support dual SIMs, one physical and one digital. Since I'm currently living abroad I have a physical sim from T-Mobile US with my number from back home and a digital SIM from a New Zealand carrier. Both numbers are active simultaneously. If you travel frequently this is a great se...
by HawkeyePierce
Sun Jul 07, 2019 9:50 pm
Forum: Personal Investments
Topic: Responding to a CP2000 Notice
Replies: 28
Views: 2890

Re: Responding to a CP2000 Notice

Mine was similar. The CP2000 claimed I owed $10k or so. In the end I owed nothing (missed a 1099 because why would any sane person expect Schwab to send me two different 1099 forms?).

A CP2000 is nothing to stress over.
by HawkeyePierce
Sun Jul 07, 2019 8:16 pm
Forum: Personal Investments
Topic: 401K question - tricky situation
Replies: 25
Views: 1489

Re: 401K question - tricky situation

With my Vanguard 401k, we set our payroll deductions through vanguard.com. So, you may have already set up payroll deductions. That's kind of worrisome. Because I wasn't supposed to set this up yet. I plan to contact them tomorrow to see if they can cancel the payroll deductions. Do you think they ...