Search found 3085 matches

by TravelGeek
Thu Aug 29, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 796572

Re: What's Your Credit Card Rewards Strategy?

My CSR coverage runs into January. I'm considering dropping it then. I've been about breaking even with the membership fee, but Costco Visa gives me the same 3x on travel. Except that 3X UR is not actually the same as 3X $0.01 via Costco. If you can’t get more than 1 cent out of each UR, then the C...
by TravelGeek
Mon Aug 26, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Giving a Co-Worker’s Teen a “Grant” to Buy a Plug-in-Car?
Replies: 27
Views: 1606

Re: Giving a Co-Worker’s Teen a “Grant” to Buy a Plug-in-Car?

Sure, if the "grant" is for the price of the car. How many kids do you know who have $30K lying around to purchase such a luxury? How about the cost of repairs? Ever price the cost of a new battery? OP was talking about a used car -- " A used Nissan Leaf or Chevy Volt could probably be had for well...
by TravelGeek
Sun Aug 25, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 74
Views: 10526

Re: Prepare for Recession?

I heard it on NPR that more than half of the financial analysts believe a recession is coming in the next 12 months in a recent survey, but couldn't find that survey now. However, I did find this one on Washington Post: 3 out of 4 economists predict a U.S. recession by 2021, survey finds https://ww...
by TravelGeek
Thu Aug 22, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4480

Re: Dealer asking to re-sign

I think you will be fine. Don't bring your checkbook. They should not get any new money (loan or cash payment). Clerical mistakes happen from time to time. +1 I've made my share of mistakes in the past so while verifying that everything is legitimate I would not make a big deal out of it. +2 I don’...
by TravelGeek
Wed Aug 21, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard's "Bogle Site" gone, but most material available at johncbogle.com
Replies: 59
Views: 12085

Re: Vanguard's "Bogle Site" gone? Hopefully just a glitch.

"©2013 Bogle Financial Center. All Rights Reserved" with the year varying. Of course AFAIK the Bogle Financial Center likely no longer exists, but I think it is very likely that either Vanguard, where it had its physical location, or Bogle's estate, would assert that they hold the rights. Perhaps t...
by TravelGeek
Tue Aug 20, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit card annual fee coming up - what to do?
Replies: 25
Views: 2879

Re: Credit card annual fee coming up - what to do?

You should call several weeks ahead of when the annual fee will be charged. It will post to your statement on or about 365 days after your account was first approved/opened. Why wait until after it posts and hope they will reverse the charge? If they won't reverse it (about a 50/50 chance in my exp...
by TravelGeek
Sat Aug 10, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

How wonderfully virtuous of you. Unfortunately virtue doesn't mean a thing to the car rental company's terms and conditions, nor to their reservation system, nor to the people who shrug their shoulders and tell you they have no car for you. Better virtuous than selfish, I guess. :twisted: (see the ...
by TravelGeek
Sat Aug 10, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

When I've called to cancel these reservations, they don't care at all. If it was a real problem, they would have a different cancellation policy. Probably because they know people like you do that, and their algorithms account for it by overbooking more. Or because the minimum wage reservation agen...
by TravelGeek
Sat Aug 10, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

But it's not a commons I created - the rental companies set all of the terms and conditions and control how they manage booking, so I'm just playing by their rules. I wonder how you would run a car rental company that has customers like you. :twisted: That doesnt matter, Im gonna play by the rules ...
by TravelGeek
Sat Aug 10, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3133

Re: Checking credit card statements

In 25 years I have found three fraudulent charges, and they were easy to spot (a $1000 charge from a wedding dress store in a Texas? A $200 charge from an online perfume vendor?). That was years ago, before card companies offered instant notifications (text or email) for charges. I have that enabled...
by TravelGeek
Sat Aug 10, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: What to do with expired passports?
Replies: 22
Views: 2815

Re: What to do with expired passports?

Even if I didn't travel internationally - I like to have an updated one in my laptop-bag for domestic-travel in case I lose my wallet. I use my Global Entry card for that purpose. Smaller (fits in my spare wallet) and less of an issue if lost. Could also use my passport card. Both are RealID docume...
by TravelGeek
Sat Aug 10, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3401

Re: Have you skipped a flight segment to save on airfare?

I recall someone having a website selling airfares (like orbitz, kayak, etc.) that specifically exploited this loophole and I'm pretty sure the airlines weren't happy and it got shutdown I believe. Skiplagged. Still around, I believe. United sued them, but the suit was thrown out because the judge ...
by TravelGeek
Sat Aug 10, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

Anecdote: Last Thanksgiving we flew the day before the holiday to visit family. [Yes, I had two reservations, one with Budget (the lowest cost) and a second with another company]. Budget (small airport location) had our vehicle. In chatting with the counter agent, she volunteered that she was happy...
by TravelGeek
Sat Aug 10, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 32
Views: 3172

Re: Emergency medical insurance (Helicopter transport, etc)

In our area there are two helicopter ambulance companies operating: AirLink and LifeFlight Network. Both offer membership programs. The problem is, you don’t know and can’t choose which company gets dispatched if you are in a car crash or other emergency out in the boonies. So you can gamble and pic...
by TravelGeek
Fri Aug 09, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Rent the Back Yard"
Replies: 41
Views: 3044

Re: "Rent the Back Yard"

I guess what I am saying is that, from a policy perspective, if they are going to let people build this kind of ad hoc dwelling in their houses, then they should just rezone those areas to reflect demand for higher housing density. And in some areas that is happening. Developers buy a couple of lar...
by TravelGeek
Fri Aug 09, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3401

Re: Have you skipped a flight segment to save on airfare?

Or violate the contract you agreed to... I question the nature of such a one sided "agreement." Tell the judge or jury. Or the FTC or DOT. Discussion of this topic here will not resolve it. Here is a very recent long thread with a lot of back and forth on FT. No one changed their mind. https://www....
by TravelGeek
Fri Aug 09, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3401

Re: Have you skipped a flight segment to save on airfare?

Are you saying that because it happens everyday therefore it is justified? Are there any limits on that? Should there be any limits on that? Should businesses be able to use their dominant bargaining positions to justify inserting any terms that they want, no matter how fair or unfair, in standard ...
by TravelGeek
Fri Aug 09, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Rent the Back Yard"
Replies: 41
Views: 3044

Re: "Rent the Back Yard"

Might be interesting if the home is a rental and you wouldn’t actually have to live with the weirdo (or nice FB employee). That said, I’d probably not want to deal with the complexities of a 3rd party owning that unit in the backyard of my rental. Just call Tuffshed :)
by TravelGeek
Fri Aug 09, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

02nz wrote:
Fri Aug 09, 2019 10:37 am
But it's not a commons I created - the rental companies set all of the terms and conditions and control how they manage booking, so I'm just playing by their rules.
I wonder how you would run a car rental company that has customers like you. :twisted:
by TravelGeek
Fri Aug 09, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3401

Re: Have you skipped a flight segment to save on airfare?

This "contract" we make with the airlines which allows them to do this has no legitimate use except to increase revenue for the airlines. Welcome to capitalism. Airlines are in the business of making money for their shareholders (and have done a poor job doing that for most of their history) I stan...
by TravelGeek
Fri Aug 09, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

Yet that's the only reasonable solution to mitigate the risk. I cannot as an individual change how rental companies manage their reservations and fleets. So I can only adjust behavior to adapt. I have also run into this situation and now generally make two (cancel-able, non-prepaid) bookings. You d...
by TravelGeek
Fri Aug 09, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2813

Re: Budget Rental Cars Left Me Stranded--Prevention ?

Is there anything you can do to make sure a reservation really ensures you a car? Can they really do this? Is it just Budget or is this a common occurrence? Should I have done something differently? Nothing you can do. Prepaid doesn’t guarantee availability either. Yes, they can really do this. Pro...
by TravelGeek
Thu Aug 08, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Silicon Valley Interview Attire
Replies: 30
Views: 2843

Re: Silicon Valley Interview Attire

I don't see many wearing Polo shirts anymore either it seems in the offices (either button down or nice-tshirt if casual). That’s because I moved away :) I copied the approach of Steve Jobs, more or less. Except instead of black turtleneck I had (still have) a collection of polos. All from the same...
by TravelGeek
Wed Aug 07, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 796572

Re: credit card strategy

[merged into existing thread - moderator prudent] The older I get, the more I value keeping my life simple but if I could generate an incremental $1K or so annually, I'd be willing to add some complexity to my credit card strategy. Would appreciate any suggestions/advice. Thanks in advance! I think...
by TravelGeek
Wed Aug 07, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13662

Re: Personal Flagship Representaive Going Away

My only interaction with my personal rep was a bad one. I received an unsolicited call from a number in Arizona, the guy introduces himself as my Flagship rep and proceeds to ask for the answers to my “secret questions” in my account setup. Terrible idea to train customers to give out that informat...
by TravelGeek
Tue Aug 06, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1294

Re: Can I run TurboTax 2018 without updating?!

megabad wrote:
Tue Aug 06, 2019 6:09 pm
Otherwise it seems to me like you could just reinstall the software to get the old version (and then block that one from connecting to the internet).
That would be an old version, but not likely the one the OP used to file the taxes (which had some updates applied).
by TravelGeek
Tue Aug 06, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13662

Re: Personal Flagship Representaive Going Away

My only interaction with my personal rep was a bad one. I received an unsolicited call from a number in Arizona, the guy introduces himself as my Flagship rep and proceeds to ask for the answers to my “secret questions” in my account setup. Terrible idea to train customers to give out that informati...
by TravelGeek
Mon Aug 05, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 4243

Re: "Duty Free" shops at Airports

Most airports will put duty free liquids in a security-approved bag (aka STEB) - sometimes you need to ask to get it, but I've seen them around the world. I have taken liquor through the TSA when packaged in such a bag (they cut the bag open, stuck it in a scanner, and then put it back in the bag, ...
by TravelGeek
Mon Aug 05, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 4243

Re: "Duty Free" shops at Airports

Observation: a few years ago I flew into my originating airport from CDG (Paris). TSA requiring all passengers who were connecting to a domestic flight to put all liquids over 3 ounces into their checked bags. People who only had a carry-on (like me) had to check their bag and put their liquid purc...
by TravelGeek
Sun Aug 04, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7500

Re: Is our spending crazy?

It just took me 30 seconds to find a one-bedroom on the peninsula in a very nice apartment complex for way less than $4K. (I lived there some 20 yrs ago, so I knew where to look) https://prometheusapartments.com/ca/san-mateo-apartments/metropolitan/ Not true, I have friends who pay ~ 2200-2500$ in ...
by TravelGeek
Sun Aug 04, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7500

Re: Is our spending crazy?

There are always outliers, not all apartments are renting for $4k. Maybe they found a Boglehead approved apartment? :wink: It just took me 30 seconds to find a one-bedroom on the peninsula in a very nice apartment complex for way less than $4K. (I lived there some 20 yrs ago, so I knew where to loo...
by TravelGeek
Sat Aug 03, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"
Replies: 54
Views: 7806

Re: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"

But "it seems the firm is coming up short in two other areas..." One is "product commitment:" "shutting down its Advantage cash management service" "handing over administration of its low-cost variable annuity to Transamerica" "the sorry history of its onetime precious metals fund..." In 2004, Vang...
by TravelGeek
Sat Aug 03, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3218

Re: How can I get a good room when I check into a hotel I booked online?

I don’t book chain hotels with online travel agencies. As a loyalty program member with some level of elite status I tend to get decent rooms. With Hilton I can select my room online prior to arrival at many properties. The floor map shows the location of elevators, fire doors and ice machines.
by TravelGeek
Wed Jul 31, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank asks for photo ID for beneficiary: is this normal?
Replies: 23
Views: 1825

Re: Bank asks for photo ID for beneficiary: is this normal?

If this is a trend, it's unfortunate and very scary. A POD designation or any beneficiary designation is much like a will, i.e., confidential and can be changed or revoked at any time. It should be the same with POD designations. In many cases I don't want my beneficiary to know they have been name...
by TravelGeek
Wed Jul 31, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 9512

Re: Beyond Meat Burger? Do you like?

I like them.
by TravelGeek
Tue Jul 30, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Job bankruptcy & Health Insurance
Replies: 4
Views: 549

Re: Job bankruptcy & Health Insurance

1) Can I keep my current health insurance through COBRA? My online research shows that COBRA premiums are partially paid for by the employer. But if the employer is non-existent in November then what happens? (I've contacted what remains of HR and they are have ignored me and keep saying "they'll g...
by TravelGeek
Tue Jul 30, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare question - US citizen with dual citizenship (EU) retiring before medicare age
Replies: 8
Views: 691

Re: Healthcare question - US citizen with dual citizenship (EU) retiring before medicare age

My question: Can a dual citizen of the EU, travel to Europe a few times a year while owning a home in the US and still get EU healthcare? Or, must a person live in Europe full time in order to take advantage of the less expensive health care? Once we reach medicare age we would drop the EU insuranc...
by TravelGeek
Tue Jul 30, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2733

Re: What is the official bogleheads home fire extinguisher?

So be in the way in the house with the extinguisher when they show up and delay them? You do that. I'll pass. :confused You seem to assume that no fire is fightable with a fire extinguisher, and that doing so anyway will pretty much guarantee to interfere with the work of professional fire fighters...
by TravelGeek
Tue Jul 30, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5608

Re: Ghosted by IKEA after warranty claim

This type of situation becomes tricky no matter what company. Presumably, all cabinet companies change their lines from time to time. They cannot possibly stock every piece in every color and every style until the end of time regardless of their warranty. Perhaps they then shouldn’t advertise and p...
by TravelGeek
Tue Jul 30, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2733

Re: What is the official bogleheads home fire extinguisher?

So stay in the house with myself and my family trying to fight the fire myself against the advice of firefighters, such as the one who posted earlier, instead of running out of it first thing? You make a great point about the risk of life to myself and my family, but just didn't realize which of th...
by TravelGeek
Tue Jul 30, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5447

Re: Capital One breach

You didn’t think you were the first, did you? :D

viewtopic.php?f=2&t=286860
by TravelGeek
Tue Jul 30, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9796

Re: Bloomberg: Forget Tech, Medicine Still Pays More

There is a (closed) thread about this article that might have some useful input.

viewtopic.php?t=286135
by TravelGeek
Tue Jul 30, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card as primary rental car insurance?
Replies: 8
Views: 1102

Re: Credit card as primary rental car insurance?

When looking at credit card coverage also look at the $$ limits. For some I looked at in the past it was pretty pitiful small coverage compared to how much coverage I keep personally with my own insurance. Are you thinking of Liability? Credit card coverage typically doesn't include that. OP's auto...
by TravelGeek
Tue Jul 30, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit card as primary rental car insurance?
Replies: 8
Views: 1102

Re: Credit card as primary rental car insurance?

Nate79 wrote:
Tue Jul 30, 2019 11:12 am
When looking at credit card coverage also look at the $$ limits. For some I looked at in the past it was pretty pitiful small coverage compared to how much coverage I keep personally with my own insurance.
Are you thinking of Liability? Credit card coverage typically doesn't include that.
by TravelGeek
Tue Jul 30, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Credit card as primary rental car insurance?
Replies: 8
Views: 1102

Re: Credit card as primary rental car insurance?

I think the answer is yes. For example, my Chase Freedom Unlimited benefits guide (googled for it) states: "What is Auto Rental CDW? The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. Within your country of res...
by TravelGeek
Tue Jul 30, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5608

Re: Ghosted by IKEA after warranty claim

I am unclear as to how the OP wishes to have his claim honored if the series has been discontinued. If the purchased product is under warranty, isn't that IKEA's problem? How'd you like it you bought a 2018 vehicle, the vehicle then goes through a model year change, something breaks, and the manufa...
by TravelGeek
Tue Jul 30, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Bank asks for photo ID for beneficiary: is this normal?
Replies: 23
Views: 1825

Re: Bank asks for photo ID for beneficiary: is this normal?

I set up PoD at several financial institutions (most recently Ally) and was never asked for ID. In light of ever increasing data breaches (CapOne just yesterday) I would think banks would be interested in limiting the amount of data they have. Here they want data from people who likely aren’t even c...
by TravelGeek
Mon Jul 29, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5447

Re: Capital One data breach

Just read it - the fact that the person is a former employee does not absolve Amazon from partial culpability. They are responsible for providing certain security protection and it's clear they failed. So I guess you now discovered that it wasn’t a Amazon employee. She worked at Amazon years ago (2...
by TravelGeek
Mon Jul 29, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5447

Re: Capital One data breach

Grt2bOutdoors wrote:
Mon Jul 29, 2019 9:00 pm

Nice, real nice. The criminals are working for Amazon - talk about being a "double agent". :oops: Can we hold Amazon accountable?
Suggest you read the WSJ first or again.
by TravelGeek
Mon Jul 29, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2733

Re: What is the official bogleheads home fire extinguisher?

A bucket of rain water. Lowest cost. :twisted: While I've never tried, I didn't think it would work on oil based fires. I think sand is probably better. So... diversify. Bucket of water, bucket of sand. The official Boglehead way of fire fighting. I am just kidding, of course. I was glad I had a re...