Search found 902 matches

by happyisland
Tue Mar 26, 2024 8:32 pm
Forum: Personal Consumer Issues
Topic: Aruba restaurants
Replies: 16
Views: 957

Re: Aruba restaurants

FootballFan5548 wrote: Tue Mar 26, 2024 1:24 pm Could you do (or has anyone done) Aruba in August? I know it's peak summer and probably hot as anything, but we're looking to take a trip in August, and Hawaii is most likely too far with young kids, so wanted something closer and tropical.

Thanks
It'll be hot, but one of the nicest things about Aruba is the near-constant tradewinds. If you're fine with being in/near the pool/ocean for the hot part of the day you will have a great time. The tropical evenings and mornings are just beautiful, any time of year.
by happyisland
Tue Mar 26, 2024 7:28 am
Forum: Personal Consumer Issues
Topic: Aruba restaurants
Replies: 16
Views: 957

Re: Aruba restaurants

Higher end:
Lima is our favorite restaurant for the past few years.
Azar is another great restaurant from the same executive chef.

Mid tier:
Barefoot (food is decent, but the location is great during sunset)
Pinchos (same)

Least fancy:
Don Jacinto (authentic Colombian)
Tia Rosa (best arepas and patacones)
Zeerovers
El Chalan (authentic Peruvian)
Dutch Pancake House for breakfast (if you can get a table - there is usually a wait)
by happyisland
Mon Mar 25, 2024 6:54 pm
Forum: Personal Investments
Topic: QQQ Question
Replies: 49
Views: 2864

Re: QQQ Question

OP, just invest in VT and let the rest of the market figure it out for you. Remember: you don't know anything more than anyone else about where the market is headed.
by happyisland
Thu Mar 21, 2024 2:32 pm
Forum: Non-US Investing
Topic: Any suggestions?(Uruguay 22years old)
Replies: 6
Views: 928

Re: Any suggestions?(Uruguay 22years old)

Welcome to the forum, OP!
You have fortunately come to one of the most wonderful corners of the internet. Check out the bogleheads wiki to get started - that literally changed my life.
by happyisland
Thu Mar 21, 2024 6:52 am
Forum: Personal Consumer Issues
Topic: Used Tesla shoppers: Quality?
Replies: 48
Views: 3799

Re: Used Tesla shoppers: Quality?

wilked wrote: Thu Mar 21, 2024 6:21 am I always enjoy in these threads:

-Lots of non-Tesla owners letting everyone know that someone they know had quality issues with their Tesla
-The actual owners within the thread relating their personal experience of more or less issue-free ownership
Both of those types of anecdotes being pretty useless. The interesting stuff is the aggregate data on quality, repairability, etc...
by happyisland
Tue Mar 19, 2024 5:10 pm
Forum: Personal Consumer Issues
Topic: Used Tesla shoppers: Quality?
Replies: 48
Views: 3799

Re: Used Tesla shoppers: Quality?

OP, have you considered an EV from a manufacturer with a longer record of making cars? That Ioniq 6 looks nice, for example, and I doubt it would have the quality control issues of a Tesla...
by happyisland
Tue Mar 19, 2024 7:22 am
Forum: Non-US Investing
Topic: Courage to Invest in Equities
Replies: 57
Views: 4536

Re: Courage to Invest in Equities

About your #3, here's a counterpoint from last week's Economist, titled "America’s extraordinary economy keeps defying the pessimists":
https://www.economist.com/leaders/2024/ ... pessimists
by happyisland
Sun Mar 17, 2024 6:12 pm
Forum: Non-US Investing
Topic: Three fund portfolio and index funds, non-US
Replies: 5
Views: 1132

Re: Three fund portfolio and index funds, non-US

Paullmas wrote: Sun Mar 17, 2024 9:23 am
happyisland wrote: Sun Mar 17, 2024 9:09 am I would say the investing principles remain the same. However, the specifics of retirement in the USA, with its relatively thin safety net, are probably not applicable to most middle income and higher countries.
Most do not need a safety net. Most just need government to stop stealing money from Peter and giving it Paul. Thank you. Please note original question with non-G7 and the list of sample countries. I could easily include a hundred more sample countries.

Well alrighty then.
by happyisland
Sun Mar 17, 2024 9:09 am
Forum: Non-US Investing
Topic: Three fund portfolio and index funds, non-US
Replies: 5
Views: 1132

Re: Three fund portfolio and index funds, non-US

I would say the investing principles remain the same. However, the specifics of retirement in the USA, with its relatively thin safety net, are probably not applicable to most middle income and higher countries.
by happyisland
Thu Mar 07, 2024 6:06 am
Forum: Investing - Theory, News & General
Topic: Argument against people that say stock market is rigged, so don’t invest in it
Replies: 80
Views: 5752

Re: Argument against people that say stock market is rigged, so don’t invest in it

Since your BIL is a conspiratorial thinker you could argue that public equities is where most of our plutocrats hold most of their wealth and that you'd be crazy not to do what they're doing, since they are the ones pulling the strings.
by happyisland
Wed Feb 07, 2024 6:15 am
Forum: Personal Investments
Topic: How to identify a bad buy trade
Replies: 26
Views: 1787

Re: How to identify a bad buy trade

OP: you will find answers to all of your questions in the bogleheads wiki: https://www.bogleheads.org/wiki/Main_Page
by happyisland
Tue Feb 06, 2024 5:32 am
Forum: Personal Investments
Topic: Meta's jump
Replies: 39
Views: 4412

Re: Meta's jump

Everything you need to know about market timing and buying individual stocks is in the wiki, which I highly recommend you check out. :sharebeer
by happyisland
Wed Jan 24, 2024 2:29 pm
Forum: Personal Consumer Issues
Topic: Another Amazon Prime Stage of Evolution - Delivery
Replies: 76
Views: 7802

Re: Another Amazon Prime Stage of Evolution - Delivery

I buy tons of stuff on Amazon every year, for my home and business, and this thread has made me question the value of our Prime membership. I have always just assumed that it was worth it for discounted prices and free shipping service to our freight address in Miami. So I just did a quick experiment, searching for an item that was recommended to me (some low cost IKEA bags https://a.co/d/gWnQH4L) while logged in to my account, and while in an anonymous browser window. Price for me as a Prime member: $22.59 Price for me when anonymous: $21.44! WHAT! Both come with free shipping, but in the case of a non-Prime member only if I buy at least $35 worth of stuff. What gives?! Should I just cancel my membership immediately? *side note: we live ou...
by happyisland
Tue Jan 23, 2024 11:46 am
Forum: Personal Consumer Issues
Topic: What are some of the things that improved YOUR quality of life?
Replies: 254
Views: 42506

Re: What are some of the things that improved YOUR quality of life?

A couple friendly dogs. They're always happy to see me!
by happyisland
Tue Jan 23, 2024 6:10 am
Forum: US Chapters
Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Replies: 429
Views: 43355

Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂

I just wanted to add my voice to the chorus of people thanking you for your steady service to the BH community. It's one thing to hear the old advice to "stay the course", but it rings truer when it's coming from someone who has actually done it through some really wild times. Congratulations on the milestone, and (to echo Nisi above) on probably getting an actuary fired at the company that sold you your SPIA. Haha.
by happyisland
Fri Jan 19, 2024 2:05 pm
Forum: Investing - Theory, News & General
Topic: Should Fixed Income be changed in 3-fund portfolio?
Replies: 95
Views: 8996

Re: Is BND still the right 3rd fund in the Portfolio?

I'm a stay the course guy, but I was fascinated by this recent episode of the rational reminder podcast that discussed the theoretical advantages to an all stock 50/50 USA/International portfolio. https://rationalreminder.ca/podcast/284
So maybe consider having no bonds at all?
It's a very interesting idea, especially for those of us with relatively high risk tolerances.
by happyisland
Wed Jan 17, 2024 6:14 am
Forum: Investing - Theory, News & General
Topic: What does everybody notice about this chart?
Replies: 50
Views: 3197

Re: What does everybody notice about this chart?

What I noticed with this chart were two things, 1) There are noticeable bumps in the chart with the initial $10k per year contributions, up until $100k is reached. After that, the annual contributions barely make any noticeable impact on the growth chart. The takeaways from this chart is to be diligent about making those annual contributions for the first decade of investing, the first $100k is the hardest. After that the markets takeover, your own contributions don't really matter. We have a winner (I removed the complication, sorry). Also, it was only $5k per year contributions, but hey you are on the right track. Bottom line? Understand what lakpr posted and, Educate the youth to invest early and often. Your point after all this was tha...
by happyisland
Sun Jan 14, 2024 5:23 pm
Forum: Personal Consumer Issues
Topic: 9% cash discount (no check)
Replies: 71
Views: 8628

Re: 9% cash discount (no check)

safari wrote: Sun Jan 14, 2024 5:21 pm
What if you found out that your mechanic cheated on his wife, would you stop trusting your car to that person? It's not illegal, but still shows dishonesty on his part.
Yes.
by happyisland
Sun Jan 14, 2024 5:12 pm
Forum: Personal Consumer Issues
Topic: 9% cash discount (no check)
Replies: 71
Views: 8628

Re: 9% cash discount (no check)

Reading some of the comments made me chuckle, especially the ones saying that they can't trust someone cheating on taxes to do quality work. It's one thing to take a moral stand and not do business with a cheat, which I can understand, but saying that you won't trust your car to a mechanic who hides his income from the IRS is simply laugable. Why would you trust someone who commits tax fraud? All things being equal, wouldn't you prefer to do business with someone who doesn't telegraph their fraudulent and illegal behavior? Because these are completely different things. I wouldn't hire an accountant who commits tax fraud because it is directly related to his profession. However, I have no problem trusting my car to a mechanic who does the s...
by happyisland
Sun Jan 14, 2024 4:45 pm
Forum: Personal Consumer Issues
Topic: 9% cash discount (no check)
Replies: 71
Views: 8628

Re: 9% cash discount (no check)

safari wrote: Sun Jan 14, 2024 4:32 pm Reading some of the comments made me chuckle, especially the ones saying that they can't trust someone cheating on taxes to do quality work. It's one thing to take a moral stand and not do business with a cheat, which I can understand, but saying that you won't trust your car to a mechanic who hides his income from the IRS is simply laugable.
Why would you trust someone who commits tax fraud? All things being equal, wouldn't you prefer to do business with someone who doesn't telegraph their fraudulent and illegal behavior?
by happyisland
Sun Jan 14, 2024 1:57 pm
Forum: Personal Consumer Issues
Topic: 9% cash discount (no check)
Replies: 71
Views: 8628

Re: 9% cash discount (no check)

London wrote: Sun Jan 14, 2024 1:33 pm Bogleheads love virtue signaling. I’d take the discount and not care. People have reason for preferred payment methods. Sometimes tax reason. Sometimes others. It’s not my job to worry about intentions. If you have concerns, use someone else.
Is it virtue signalling, or actually attempting to be virtuous, knowing that we are all imperfect and can only try to do our best?
by happyisland
Sun Jan 14, 2024 12:21 pm
Forum: Personal Consumer Issues
Topic: 9% cash discount (no check)
Replies: 71
Views: 8628

Re: 9% cash discount (no check)

watchnerd wrote: Sun Jan 14, 2024 10:44 am
greg24 wrote: Sun Jan 14, 2024 10:29 am LOL at the tax fraud, and those who shrug their shoulders about it. Honorable folk.
I'm not shrugging my shoulders. I think it's a business risk and a risk that he would cheat me, too.

But I'm not a priest or preacher and claiming responsibility for fixing another man's morality or choices.

How he might harm me is my concern.

How he harms himself is between him and the authorities.
What about how he harms the rest of society (and thereby you) by being a tax-avoiding freeloader?
by happyisland
Wed Jan 10, 2024 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Potentially selling a great house
Replies: 101
Views: 12334

Re: Potentially selling a great house

I would echo other people's thoughts above about the importance of having good neighbors. You seem to have gotten lucky, and I would put a high premium on that.
by happyisland
Tue Jan 09, 2024 6:24 pm
Forum: Personal Investments
Topic: Bought AQN... what did I miss?
Replies: 10
Views: 1567

Re: Bought AQN... what did I miss?

OP: check out the wiki, read a Boglehead book, and you'll know what to do.
by happyisland
Mon Jan 08, 2024 3:13 pm
Forum: Personal Consumer Issues
Topic: Aruba Car Rental / AMEX Platinum Coverage
Replies: 10
Views: 1684

Re: Aruba Car Rental / AMEX Platinum Coverage

Not sure about the insurance on rentals, but you'll definitely want wheels of your own, especially if you're staying in Savaneta.
Some recommendations for places to eat/drink:
Mauchi Smoothies (good fruit shakes in your neighborhood)
Tia Rosa (snack truck with regional stuff like patacones and arepas)
Another vote for Zeerovers for fried fish on the dock
La Granja (rotisserie chicken for takeaway)
Lima (a great Peruvian restaurant in town)
Azar (a tasty and interesting steak house in the hotel area)
Alfies (Canadian dive bar with friendly owners and patrons)
Dutch Pancake House (good spot for breakfast)
by happyisland
Sat Dec 23, 2023 5:33 am
Forum: Personal Consumer Issues
Topic: Laptop backup - BackBlaze alternatives
Replies: 6
Views: 829

Re: Laptop backup - BackBlaze alternatives

Google drive. For 100GB it's around $30 per year.
by happyisland
Sun Dec 10, 2023 5:32 pm
Forum: Personal Consumer Issues
Topic: Suggest me comedy movies to watch as family in Amazon Prime
Replies: 21
Views: 3284

Re: Suggest me comedy movies to watch as family in Amazon Prime

Ferris Bueller's Day Off is a fun old one that kids might enjoy.
by happyisland
Wed Nov 22, 2023 3:17 pm
Forum: Personal Consumer Issues
Topic: Electric SUVs in the pipeline
Replies: 119
Views: 11925

Re: Electric SUVs in the pipeline

Suppose you bought a Fisker, Lucid or some other new EV manufacturer not named Tesla. Suppose the company shuts down in a few years. Where would you go to get your car repaired? Do these companies publish enough information for your local mechanic to read up on to make the fix? Would there be parts available? I think Tesla and the standard car manufacturers will be around in 10 years. I am not so sure about Fisker and Lucid. For that reason alone, I'd be hesitant to buy a car from those companies. This is why I bought a Leaf recently, and will only consider EVs from bigger brands that can be relied on, like Hyundai, Chevy, VW, etc. I want to be able to get spare parts if I need them, and service if I need that. And I will only be buying EV...
by happyisland
Mon Nov 20, 2023 2:41 pm
Forum: Personal Investments
Topic: inheritance- dollar cost avg or just all in?
Replies: 21
Views: 2520

Re: inheritance- dollar cost avg or just all in?

Lump sum it! It's important to build good mental habits related to investing, and sticking to a good plan is about as fundamental as it gets. Just make sure you understand why the expected outcome of lump sum is superior to DCA.
by happyisland
Tue Nov 07, 2023 6:17 pm
Forum: Personal Investments
Topic: Permission to Do Something Scary (to me)
Replies: 57
Views: 6780

Re: Permission to Do Something Scary (to me)

I guess I'll go against the grain here and say I think you should take the pay cut and the increase in life enjoyment. I'd rather have to tighten my belt and be happy than be financially more secure but miserable. I followed my own advice 20 years ago, giving up a lucrative career that was making me unhappy for an entrepreneurial venture with my best friend. I would undoubtedly have more money in the bank if I had stuck it out for the last 2 decades, but I am doing fine money-wise, and far happier than I think I would have been otherwise.
by happyisland
Fri Nov 03, 2023 6:21 pm
Forum: Personal Consumer Issues
Topic: Lawyers who left the practice of law: what do you do, and how'd you get there?
Replies: 53
Views: 10398

Re: Lawyers who left the practice of law: what do you do, and how'd you get there?

rule of law guy wrote: Fri Nov 03, 2023 5:15 pm
KneeReplacementTutor wrote: Fri Nov 03, 2023 4:46 pm
happyisland wrote: Tue Oct 31, 2023 6:02 pm A good way to make sure you have maximum freedom in life is to keep your overhead low.
Such a great point. If it’s high income that puts a person in golden handcuffs, then it’s lifestyle creep that throws away the key.
easier said than done. if you have kids, a quality education for them costs alot. if you are saving for retirement, you should plan on saving an almost sacrificial amount. you can be modest in your personal expenditures and still have very large obligations to satisfy.

those who pursue passion as opposed to pay better understand the tradeoff
Totally agree. Having kids is one of the things that limits your freedom most in life, so it's important you are very sure you want them before you have any.
by happyisland
Tue Oct 31, 2023 6:02 pm
Forum: Personal Consumer Issues
Topic: Lawyers who left the practice of law: what do you do, and how'd you get there?
Replies: 53
Views: 10398

Re: Lawyers who left the practice of law: what do you do, and how'd you get there?

I graduated from a well-regarded law school in 2000, and by early 2003 I had already realized I wouldn't be happy working as a lawyer. Luckily the golden handcuffs hadn't fully tightened by then, and I was still young and willing to take risks. For the past 20 years since then I have been running a small business with my best friend, making relative peanuts, but happy as a clam. I highly recommend not letting yourself become 'trapped' or even feeling that way. A good way to make sure you have maximum freedom in life is to keep your overhead low.
by happyisland
Sun Oct 22, 2023 6:45 am
Forum: Investing - Theory, News & General
Topic: Investing 100% into TQQQ
Replies: 231
Views: 36998

Re: Investing 100% into TQQQ

This has all the makings of another classic Bogleheads thread, with an OP posing a question about what sounds like a get-rich-quick scheme, getting near-universal feedback that this idea is risky and not worth it, and seemingly choosing to ignore the advice they have been given. What could go wrong? :sharebeer
by happyisland
Wed Oct 18, 2023 2:38 pm
Forum: Non-US Investing
Topic: How to get started for NON-US Investing? [COSTA RICA]
Replies: 12
Views: 5347

Re: How to get started for NON-US Investing? [COSTA RICA]

pertheri wrote: Mon Mar 20, 2023 2:55 pm I have some friends in Latin America who are funding their IBKR through USDT which requires a couple of hops. I personally think it's too much work, but it might be worth it if you are transferring small sums.

1. Buy USDT, using Binance P2P for example.
2. Send it to Kraken.
3. Exchange USDT for EUR.
4. Withdraw the EUR to your Wise account using SEPA.
5. Send the EUR from Wise to IBKR using SEPA.
6. Exchange EUR for USD using IBKR forex market.
This does NOT sound like a good idea to me. The forum has banned discussions of crypto, but the shakiness of Binance and Tether are often discussed in other places. I wouldn't touch either with a ten foot pole, even for just briefly moving money from one place to another.
by happyisland
Mon Oct 09, 2023 5:07 pm
Forum: Investing - Theory, News & General
Topic: Dying Broke (On Purpose) Article
Replies: 260
Views: 37104

Re: Dying Broke (On Purpose) Article

flarf wrote: Mon Oct 09, 2023 4:50 pm
student wrote: Sat Oct 03, 2020 10:03 pm You may find this article about Chuck Feeney interesting. https://www.forbes.com/sites/stevenbert ... efff693a2a
"Charles F. Feeney, a pioneer of duty-free shops and a shrewd investor in technology start-ups who gave away nearly all of his $8 billion fortune to charity, much of it as quietly as he had made it, died on Monday in San Francisco. He was 92."

https://www.nytimes.com/2023/10/09/busi ... -dead.html
What a legend!
by happyisland
Sat Sep 30, 2023 9:52 am
Forum: Non-US Investing
Topic: Overseas expat: what mailing address to use and will it trigger state tax questions?
Replies: 14
Views: 4046

Re: Overseas expat: what mailing address to use and will it trigger state tax questions?

KiwiBobs wrote: Sat Sep 30, 2023 8:28 am
happyisland wrote: Sat Sep 30, 2023 6:27 am I have lived abroad for 20 years now, and have never needed to maintain a USA mailing address for any reason. Our 1099s, tax refund checks, etc are mailed to our physical address without issue. Our retirement accounts are with Schwab, which doesn't require us to lie to them about our domicile. I've been told that Schwab can be picky about which countries they open accounts in, so if they don't work for your location then I believe IB serves almost everyone.
Do you still have a cell phone in the USA or have you also done away with that as well?
I haven't had a reason to have a USA cell phone. When we visit the States we just roam with our normal phones.
by happyisland
Sat Sep 30, 2023 6:40 am
Forum: Personal Investments
Topic: DCA rate
Replies: 12
Views: 1426

Re: DCA rate

DCAing is not the best strategy from a profit-maximization point of view, so the ideal would be to keep the period as short as you can handle, given your emotional makeup.
by happyisland
Sat Sep 30, 2023 6:27 am
Forum: Non-US Investing
Topic: Overseas expat: what mailing address to use and will it trigger state tax questions?
Replies: 14
Views: 4046

Re: Overseas expat: what mailing address to use and will it trigger state tax questions?

I have lived abroad for 20 years now, and have never needed to maintain a USA mailing address for any reason. Our 1099s, tax refund checks, etc are mailed to our physical address without issue. Our retirement accounts are with Schwab, which doesn't require us to lie to them about our domicile. I've been told that Schwab can be picky about which countries they open accounts in, so if they don't work for your location then I believe IB serves almost everyone.
by happyisland
Thu Sep 28, 2023 5:39 pm
Forum: Investing - Theory, News & General
Topic: In appreciation of dividends
Replies: 119
Views: 13456

Re: In appreciation of dividends

calmaniac wrote: Thu Sep 28, 2023 3:44 pm
happyisland wrote: Wed Sep 27, 2023 4:58 pm You can put money in your pocket by collecting dividends or selling shares. Taxes aside, neither is better than the other.
Really? I can decide if I want to sell shares and take a capital gain, with dividends I don't have that choice. Worse yet, with nonqualified dividends from foreign ETF I pay tax at income tax rates (which BTW is increased because of dividends).
You bolded the wrong part. "Taxes aside" is the part to focus on.
by happyisland
Wed Sep 27, 2023 4:58 pm
Forum: Investing - Theory, News & General
Topic: In appreciation of dividends
Replies: 119
Views: 13456

Re: In appreciation of dividends

Not sure anyone thinks that dividends aren't a source of income. If your employer paid you from your own money, would you consider that income? I fully understand the idea of total return and we've discussed it before. But it's not "your own money" until it's actually in your pocket. Until it's in your pocket, it's just digital space matter traveling through some wormhole heading who-knows-where. "I don't care if you're Warren Buffett or Jimmy Buffett, nobody - and I mean nobody - knows whether a stock's gonna go up, down, sideways or in *$#@ circles. It's all a fugahzi." "Fugayzi, fugahzi. It's a whahzy. It's a woozie. It's fairy dust." You can put money in your pocket by collecting dividends or selling share...
by happyisland
Sun Sep 24, 2023 8:22 am
Forum: Personal Investments
Topic: Investments for higher oil prices
Replies: 10
Views: 1702

Re: Investments for higher oil prices

Solar panels, electric cars, home appliance and HVAC electrification.
by happyisland
Tue Sep 19, 2023 5:29 pm
Forum: Personal Consumer Issues
Topic: Tell Me About Your Fabulous Stove
Replies: 89
Views: 10130

Re: Tell Me About Your Fabulous Stove

I don't have one yet, but I am coveting an induction cooktop.
by happyisland
Mon Sep 11, 2023 6:43 am
Forum: Personal Consumer Issues
Topic: Your favorite installed bathroom accessories?
Replies: 80
Views: 9268

Re: Your favorite installed bathroom accessories?

Another vote for the washlet bidet toilet seat. It's a game changer.
by happyisland
Wed Sep 06, 2023 6:50 am
Forum: Personal Consumer Issues
Topic: Tesla Model X price drop: thoughts?
Replies: 102
Views: 10192

Re: Tesla Model X price drop: thoughts?

If I owned a Tesla I might be worried about resale value down the line, as the brand is closely associated with its CEO, and that CEO is becoming increasingly famous for being erratic and controversial in ways that could be off-putting to some.
by happyisland
Tue Aug 22, 2023 4:57 pm
Forum: Personal Investments
Topic: What do Bogleheads think? [Portfolio Help]
Replies: 105
Views: 10210

Re: Curious. What do you know [about stocks META and PLTR]

fiverus wrote: Tue Aug 22, 2023 3:30 pm Good Afternoon,

What do you think about these 2 stocks I invested in:

META-META PLATFORMS
PLTR-PALANTIR TECHNOLOGIES

fiverus
If I had to, I would guess that their returns will be similar to those of the broader market, but with much higher volatility. Luckily being a Boglehead means you don't have to guess!
by happyisland
Tue Aug 22, 2023 7:24 am
Forum: Personal Finance (Not Investing)
Topic: My Yotta Savings Account Performance Over 3 Years
Replies: 8
Views: 1598

Re: My Yotta Savings Account Performance Over 3 Years

It kind of sounds like a savings account with an added gambling component.
by happyisland
Tue Aug 22, 2023 7:19 am
Forum: Personal Consumer Issues
Topic: Smart Plug Outlets
Replies: 11
Views: 1126

Re: Smart Plug Outlets

Instead of plugs have you considered using smart bulbs? They're nice because they're dimmable and individually-controllable.
by happyisland
Sun Aug 20, 2023 3:18 pm
Forum: Personal Consumer Issues
Topic: Bad experience - worth moving accounts
Replies: 63
Views: 4935

Re: Bad experience - worth moving accounts

The advertising issue is easy: As an owner of Citi’s stock, I want and expect them to try to increase revenue by advertising services to their customers. Good luck finding a financial institution that doesn’t do this. As far as what sounds like a singular disagreement over a dispute charge over luggage, it doesn’t come close to being enough for me to sever ties. I’m not sure of the contractual rules that apply here. But even if I’m convinced I’m right, doing so does doesn’t recover any money and creates extra work for myself. Also, an unexpected $25-50 expense during an international trip isn’t something I’m going to get too upset about . I don't like being cheated even if it is a dollar. Especially by a greedy, incompetent, poor service a...
by happyisland
Sun Aug 20, 2023 2:02 pm
Forum: Personal Consumer Issues
Topic: Bad experience - worth moving accounts
Replies: 63
Views: 4935

Re: Bad experience - worth moving accounts

The advertising issue is easy: As an owner of Citi’s stock, I want and expect them to try to increase revenue by advertising services to their customers. Good luck finding a financial institution that doesn’t do this. As far as what sounds like a singular disagreement over a dispute charge over luggage, it doesn’t come close to being enough for me to sever ties. I’m not sure of the contractual rules that apply here. But even if I’m convinced I’m right, doing so does doesn’t recover any money and creates extra work for myself. Also, an unexpected $25-50 expense during an international trip isn’t something I’m going to get too upset about . I don't like being cheated even if it is a dollar. Especially by a greedy, incompetent, poor service a...