Search found 1210 matches

by TravelGeek
Mon Dec 11, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 10
Views: 839

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

My wife and I each took 6-12 month unpaid sabbaticals (separately, at different times). About 10 years later in our careers than you, but we both returned to our jobs with the same employer. It was a good choice for us and it made little financial difference on our path to financial independence and...
by TravelGeek
Sun Dec 10, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 6
Views: 766

Re: Vanguard Security Keys

There was a lot of discussion of this topic in this thread recently:

viewtopic.php?f=10&t=205031&start=100
by TravelGeek
Sat Dec 09, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 899

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. Ink also does for sure. Right, but the OP has a consumer card, and I don’t think they would let them change it to a business card. Also, it has a $9...
by TravelGeek
Sat Dec 09, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 899

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability.
by TravelGeek
Sat Dec 09, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4071

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

I think the prospective HELOC lenders may be looking at it as, there is already a mortgage, and now he wants more debt. They (1) don't have an assurance that the HELOC proceeds will be used to pay down the first mortgage, and (2) are probably concerned that once the mortgage is gone, then OP's frie...
by TravelGeek
Sat Dec 09, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 21
Views: 1868

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

dual wrote:
Sat Dec 09, 2017 1:20 pm

take this great deal or wait for a freebie TTax from Fidelity or Vanguard :?: :?:
I thought Vanguard discontinued the TurboTax freebie one or two years ago?
by TravelGeek
Sat Dec 09, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 45
Views: 1513

Re: What MPG App Do You Use To Track Fuel Usage ?

Spreadsheet. I just write the odometer reading on the receipt and add it to the spreadsheet when I get home and empty out the receipts from my wallet. I have a Prius and use it to track the long term trend to see if (potentially) battery deterioration contributes to reduced MPG. I also use it to tra...
by TravelGeek
Fri Dec 08, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4071

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

So the bank that is the current mortgage lender won’t refinance? If the theory is that they are concerned about default and then aging to deal with the sale of the farm, isn’t tha5 exactly what is going to happen if the “farmer” can’t make the balloon payment? So... other than the $50k no other liqu...
by TravelGeek
Fri Dec 08, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: United Airline Mileage question
Replies: 4
Views: 325

Re: United Airline Mileage question

FB01 wrote:
Fri Dec 08, 2017 11:40 am

In the Departure flight, it clearly says British Airways so I know I won't be earning any miles.
No UA miles, but BA-operated flights can be credited to American Airlines (AA) or Alaska (AS).
by TravelGeek
Wed Dec 06, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe Online for 2017
Replies: 12
Views: 1649

Re: TurboTax Deluxe Online for 2017

Perhaps they will offer you an "upsell" :)
by TravelGeek
Wed Dec 06, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 140
Views: 7324

Re: Do people still use AAA?

Now I have hide-a-key on all my cars. I've thought about doing this, but the problem is I have an electronic key fob, not an actual key that inserts into a lock, and if the key fob is anywhere within a short distance of the car, the doors will open. So, how do I put an electronic key fob in a hide-...
by TravelGeek
Wed Dec 06, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 140
Views: 7324

Re: Do people still use AAA?

If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said. I have changed blown tires on several occasions, on multiple continents. That didn't stop me from calling road ...
by TravelGeek
Wed Dec 06, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 140
Views: 7324

Re: Do people still use AAA?

I also find that real, paper road maps, for planning a trip, and, when on a trip, deciding where to go next, are incomparably better than trying to get by by printing out Google Maps or trying to do it all on-screen. Oddly enough, the very best maps are the "official" state highway maps you can get...
by TravelGeek
Wed Dec 06, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1316

Re: How many security Camera's

I found another cheaper alternative like this https://www.wyzecam.com/ This company apparently presents privacy concerns. From Amazon: - Why are your cameras sending data to non AWS servers? I consistently see UDP traffic (port 10001) heading to Japan, Germany, China + other locations. IPs below, 4...
by TravelGeek
Wed Dec 06, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 140
Views: 7324

Re: Do people still use AAA?

I still use them. I subscribe to the "plus" level for the increased 100 mile towing range (considering where we live and like to drive, hopefully we will never need it, but it's good to know it won't cost me an arm and a leg to get my vehicle back to a repair shop). We used AAA twice over the last t...
by TravelGeek
Tue Dec 05, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1316

Re: How many security Camera's

raamakoti wrote:
Tue Dec 05, 2017 2:02 pm
I found another cheaper alternative like this
https://www.wyzecam.com/
I just got a Wyze cam to play with. Easy to set up, seems to work great, but I am not sure I would consider it a real security camera. For starters, it is meant for indoor use only.
by TravelGeek
Tue Dec 05, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6895

Re: Lowering My Grocery Bill

Any recommendations? What do your grocery bills look like? EDIT: our grocery bills do not included eating out. Does it make sense to look at them independently? I know our grocery bill went "through the roof" when we cut back on eating out. But the combined total of "stuff we eat" cost dropped sign...
by TravelGeek
Mon Dec 04, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments
Replies: 14
Views: 1921

Re: Fisher Investments

euroswiss wrote:
Mon Dec 04, 2017 8:00 pm

agreed - someone has to pay for all those glossy brochures.....
Right, I must have gotten at least $10 worth of marketing material in the mail over the years. Unsolicited.
by TravelGeek
Mon Dec 04, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8176

Re: Growing Number of Electric Vehicles

Going back to my original post, I mentioned that the transformer feeding my neighborhood failed twice in the past calendar year. The last time it happened was over a very hot weekend. The utility may have had ample supply due to the lack of industrial demand, but the grid itself wasn't able to hand...
by TravelGeek
Mon Dec 04, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 1837

Re: RV rentals

Re secondary topic: It can also be irritating to post a specific question and then get answers that don't shed any light on the question, but directly or by implication say that you don't know what you are talking about. Perhaps everyone could just assume the OP knows what he wants and doesn't need...
by TravelGeek
Mon Dec 04, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Trip to Los Cabos - do I need to have Pesos?
Replies: 12
Views: 1195

Re: Trip to Los Cabos - do I need to have Pesos?

When you use a credit card they may offer to do the charge in US dollars, don't do that since that adds a lot of extra cost to you since it gets converted to Pesos at a very bad exchange rate anyway then eventually converted back to dollars by your bank for another exchange fee. This is called Dyna...
by TravelGeek
Mon Dec 04, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8176

Re: Growing Number of Electric Vehicles

SCE is in the business of selling electricity. If they cut the power to my house, they can't sell me any. Why would they want to do that unless they absolutely had to? Have you ever wondered why utilities offer rebates for the purchase of more energy efficient appliances? Even your utility, SCE, do...
by TravelGeek
Mon Dec 04, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Priority Pass- not quite totally useful
Replies: 19
Views: 2054

Re: Priority Pass- not quite totally useful

It isn't a perk that I would pay for, but as a freebie with Chase Sapphire Reserve it's all right. CSR is the best one I think because it allows unlimited guests for free. It’s not a freebie. You are paying an annual fee for the card, which pays for a basket of benefits. PP Select is part of that. ...
by TravelGeek
Mon Dec 04, 2017 12:56 am
Forum: Personal Consumer Issues
Topic: Priority Pass- not quite totally useful
Replies: 19
Views: 2054

Re: Priority Pass- not quite totally useful

It’s a benefit I have found very useful. It obviously very much depends on your travel pattern and the airports you visit. As with pretty much any credit card benefit, not everyone gets the same value out of it. If every cardholder was able to extract as much value out of it as I did just this year,...
by TravelGeek
Sun Dec 03, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Status Money website - good or bad?
Replies: 5
Views: 1006

Re: Status Money website - good or bad?

I have zero interest in providing anyone that information. And I don’t particularly care about knowing how my data compares to others. I know I am doing fine.
by TravelGeek
Sun Dec 03, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8176

Re: Growing Number of Electric Vehicles

I guess the bigger question is -- why do many employers feel the need to provide EV chargers at their office buildings? And at that, for free? Why not install a free gas pump too for all of the other guys? It’s a benefit, like many others. Gym access, on site daycare, bicycle lockers, transit disco...
by TravelGeek
Sat Dec 02, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 701

Re: Best small Drone

bampf wrote:
Fri Dec 01, 2017 10:25 pm
I fly an inspire 1. Stupid easy to fly, relatively in expensive. Fast, great pictures etc...
The thing that’s $1750 on Amazon? From DIJ? :shock:

I was expecting to find something <$100 when I read inexpensive, but I guess it is indeed relative ;)
by TravelGeek
Fri Dec 01, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 957

Re: Chase Freedom Rental Car Insurance

student wrote:
Fri Dec 01, 2017 12:23 pm
I think they also offer liability insurance.
Correct.
by TravelGeek
Fri Dec 01, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 957

Re: Chase Freedom Rental Car Insurance

I heard a comedian the other day, suggesting that you should take the rental car company's insurance, and then hit 6 or eight of their other cars as you drive back in to return your car. Hand them the keys, and go on about your day. I haven't read the fine print, but off-hand I can't see an obvious...
by TravelGeek
Fri Dec 01, 2017 2:14 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3255

Re: Older Software Engineer Advice ~ Languages?

I have Spanish on my todo list :P

Also JavaScript and various frameworks. And Ruby on Rails. Just need to find some time to dive in and do some projects.
by TravelGeek
Wed Nov 29, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1116

Re: Car Rental

On Orbitz for those dates Hertz has a Full Size for $817 total. Flagged as a "Great Deal" and I would have to agree. Costcotravel.com shows the best rates they have at Alamo 8/1/18 - 8/31/18. Economy - $1111 Compact - $1168 Intermediate - $1281 Fullsize - $1337 Assuming the Great Deal isn’t prepaid...
by TravelGeek
Wed Nov 29, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1116

Re: Car Rental

Trying this site for the first time right now. Why do they require an email address just to perform the search? Have you had any issues getting spam? No, not really. And frankly, I get so many undesirable emails these days that I don’t really care anymore. It is a fact of life. I use separate accou...
by TravelGeek
Wed Nov 29, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Car Rental
Replies: 22
Views: 1116

Re: Car Rental

Check prices every week or so. Usually at some point, rental car prices will drop and you can update your reservation with the new price. Right. And you can automate that by using the site autoslash.com. You can also use it to search for initial pricing; it sometimes finds much better deals than ot...
by TravelGeek
Wed Nov 29, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 22
Views: 1823

Re: Kidde fire extinguisher recall

Thank you for posting! I was planning to replace mine as it was getting old, but now I get a new one for free. This forum is worth its weight in gold <chuckle> What would we have done in the days before BH.org.... oh wait... I saw a report about the recall on the TV evening news several weeks ago. ...
by TravelGeek
Tue Nov 28, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5112

Re: How Do You Stay Current With Popular Music?

How do you get exposure to new music, but filter out the junk? I am almost done with Sirius 80s on 8, getting ready to move to 90s on 9 :) Actually, I am kidding. My 80s are like your 60s, with sprinkles of 70s here and there (Dark Side of the Moon is a good one) I do occasionally listen to streami...
by TravelGeek
Sat Nov 25, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 22
Views: 1823

Re: Kidde fire extinguisher recall

All four of ours were recalled. Replacements should be coming soon. Do they send tracking information when the shipment is on the way, or do they just one day arrive on my porch?
by TravelGeek
Sat Nov 25, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Recommend Cheap Windows Desktop for TurboTax
Replies: 10
Views: 1238

Re: Recommend Cheap Windows Desktop for TurboTax

Why not get a program that lets you run Windows on your Mac? http://www.zdnet.com/article/how-to-run-windows-10-on-your-mac/ Second that. I installed an old license of Win7 into a VirtualBox VM and upgraded it for free to Win10. I very rarely use it, but it works fine for the apps I need it for (An...
by TravelGeek
Fri Nov 24, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 7566

Re: Discovered debt

I did recommend to her that she scour his credit report for all debts, and that she get a new free report once every four months from a different company. She doesn't believe he is a liar or cheat, just absolutely unable to add or focus on numbers. Or balance a checkbook. But able to play a shell g...
by TravelGeek
Fri Nov 24, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: Prius Prime Looks Interesting...Price is Very Attractive
Replies: 26
Views: 5311

Re: Prius Prime Looks Interesting...Price is Very Attractive

Can someone provide a link for the actual legislative language that provides for federal tax credits for electric vehicles and plug-in hybrids? I am particularly interested in the wording that established the cutoff threshold of 200,000 units sold, at which point the credit begins to vanish. Stride...
by TravelGeek
Thu Nov 23, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Uber hacked - identities of 57 million exposed
Replies: 11
Views: 2165

Re: Uber hacked - identities of 57 million exposed

Not sure what the big deal is with this. It seems our credit card numbers are hacked all the time. I don't recall giving Uber my social security number. To me this is just part of doing business in the modern world... credit card numbers stolen in some fashion, get new credit card if old one is use...
by TravelGeek
Wed Nov 22, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8836

Re: Tesla truck unveil

I'm wondering if this stretching of the truth is going to extend to the truck. They say the truck will pay for itself in 2 years. What if it turns out that it's really 20 years. Or that it's actually more expensive than an existing truck because someone's broken down on the highway and the nearest ...
by TravelGeek
Wed Nov 22, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?
Replies: 10
Views: 838

Re: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?

Odd - My account goes back to 1995 and all the transactions are shown even before conversion to Admiral.... There is a next page at the bottom of the display on the right to show more lines. It seems to display 300 lines at a time. Thanks for looking again. I saw the 300 line limit and paged throug...
by TravelGeek
Wed Nov 22, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?
Replies: 10
Views: 838

Re: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?

I just looked at my Vanguard account and I could display historical data back to 1/1/1993 using the custom setting but could only download data back 10 years. That must be why I remember cutting and pasting from the displayed data into Excel. Good luck! Yes, I can see 1/1/1993 as the earliest date ...
by TravelGeek
Wed Nov 22, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Uber hacked - identities of 57 million exposed
Replies: 11
Views: 2165

Re: Uber hacked - identities of 57 million exposed

Wonder how they accounted for that payment. Misc IT Services?

Behavior like this really should have career ending consequences for everyone involved. Data protection won’t improve if the humans responsible don’t expect significant consequences.
by TravelGeek
Wed Nov 22, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?
Replies: 10
Views: 838

Re: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?

Thanks, I will have another look around. Working this out is on my holiday break to-do list, so perhaps if I can’t find the data, I will reach out to my Flagship rep to see what he can offer.
by TravelGeek
Wed Nov 22, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?
Replies: 10
Views: 838

Re: Tax gain harvesting for students; how important is it to move away from AcgCost? Can SpecID be reverse-engineered?

I have a similar problem with old lots. Lots of them. Pun not intended. Dollar cost averaging, automatic dividend reinvestment, ... (the latter I stopped a while ago). I think I still have all the old statements either in paper confirmations (boxed up) or scanned. But it would seem to be a huge effo...
by TravelGeek
Wed Nov 22, 2017 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5262

Re: Advice to become wealthy

How old are you and by what age would you want to reach your goal?
by TravelGeek
Mon Nov 20, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Lynch wants personal info--How to deal
Replies: 33
Views: 3301

Re: Merrill Lynch wants personal info--How to deal

Is there a “Know Your Banker” form we could design and send in response to such requests? :D
by TravelGeek
Mon Nov 20, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 19
Views: 1607

Re: HelloFresh meal boxes - disputing credit card charge

If you think that no reasonable person would interpret the offer your wife received as a subscription offer, send the material you received to the credit card company and let them decide. I don't know anyone here can ultimately tell you with any reasonable precision what your chances are without hav...
by TravelGeek
Sun Nov 19, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3668

Re: Oregon makes you save, unless you object. NYT article

This is a case of Oregon's overreaching government forcing people to save in a way that is harmful. Whether forced savings is a good idea or not is irrelevant to this discussion. The fact is that this plan sets a terrible example to those who don't have the knowledge to manage their own investments...