Search found 2118 matches

by TravelGeek
Mon Aug 20, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 30
Views: 4634

Re: My son was scammed on Craigslist- how to get money back

deltaneutral83 wrote:
Sun Aug 19, 2018 5:05 pm
Why would anyone assume that the institution (in this case BofA) is at fault, for what in the world should they be liable?
I am not sure that they should be liable.... but if the receiving account was a BofA account, shouldn’t “Know Your Customer” apply to that account?
by TravelGeek
Mon Aug 20, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 46
Views: 3790

Re: Credit Card Fraud - $30K

Credit info can be released, even if frozen, to entities that have an existing relationship with you. I.e., American? Except that American isn’t the creditor here. The banks issuing cards that produce AAmiles are Citi and Barclays, and just because you have a relationship with one doesn’t mean you ...
by TravelGeek
Sun Aug 19, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 71
Views: 3676

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Recently, the PCP announce that effective at a date shortly in the future, they will require $120.00 up front, which will be reimbursed as warranted, presumably after they are reimbursed by insurance. We are seriously considering finding an alternative provider Did you ask them why they are doing t...
by TravelGeek
Sun Aug 19, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 42
Views: 3194

Re: Sellers beware on eBay.

When we moved a few years ago, I emptied our garage and closets and sold about 50-70 items on eBay. Had never done this before, in fact hadn’t even bought stuff from eBay. Anyway, lots of old computer parts and other gadgets. I think I made about $1500. Not a lot considering what I paid for the stuf...
by TravelGeek
Sat Aug 18, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 46
Views: 3790

Re: Credit Card Fraud - $30K

Surprise to me you monitor your credit score more frequently than your account. Between my wife and I, we have maybe a dozen active credit card accounts. It is a lot easier and quicker to check credit karna weekly than it is to log into each account. I have a dozen cards, but I need to log only int...
by TravelGeek
Fri Aug 17, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2230

Re: Info on Al-Farabi Kazakh National University

He wants to get his undergrad degree at Al-Farabi and then go to grad school in the US. Astrophysics is what he wants to do. I think the concerns about “next to ISIS” are overblown and geographically inaccurate. I would be a bit concerned about the academic program. Obviously, the former Soviet Uni...
by TravelGeek
Fri Aug 17, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 27
Views: 1269

Re: ICE or a hybrid car

ICE. They perform well, they're cheap, and reliable. Describes my LEAF as well. Gasoline remains relatively inexpensive. Relatively expensive compared to electricity for me. Why pay $65k for electric when an equally capable $30k ICE is available??? I paid less than $30k. Not every electric vehicle ...
by TravelGeek
Fri Aug 17, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 27
Views: 1269

Re: ICE or a hybrid car

I switched to a Prius last year (non plug in, just normal hybrid). I have been pleasantly surprised and consistently average over 50mpg. It can be peppy in the power mode but you still know its a Prius. I know I could have a potential $1k expense for battery replacement at any point but it may or m...
by TravelGeek
Fri Aug 17, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2156

Re: Travel delay: Can I *easily* get $60 back?

I purchased train tickets for Frankfurt-Metz on 6 June for travel on 26 July for $65.60. I purchased replacement tickets at the Frankfurt airport on 26 July for $64.48. I could have waited buying train tickets until I had arrived. However : One reason why I always buy my train tickets in advance is...
by TravelGeek
Thu Aug 16, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

dm200 wrote:
Thu Aug 16, 2018 5:06 pm

Some men who retire spend a lot of time watching TV and drinking beer. Not me :)
I probably spend more time on BH than watching TV. And I am not drinking much beer :sharebeer
by TravelGeek
Thu Aug 16, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

No "sure things" but ideas: 1. Do just about everything you can (or not do) to be and stay healthy. yes, indeed. One reason for early retirement for me is reduced stress and more opportunity (fewer execuses) for a healthy life style. 2. Be fully "in control" of your medical "stuff" and records - to...
by TravelGeek
Thu Aug 16, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

We have a big allocation set aside for health care, if we can't make it, a LOT of people are going to be in very dire straits, something will have to be done. States are already stepping in to provide protections that are being threatened at the national level. I doubt MA would not provide protecti...
by TravelGeek
Thu Aug 16, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

Healthcare is different. You have an active process in a state of flux. You currently have a legislative branch that has a focus on changing the current set-up and one item that is currently actively being pursued is changing the pre-existing illness waiver. This is not something "years away" but s...
by TravelGeek
Thu Aug 16, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2156

Re: Travel delay: Can I *easily* get $60 back?

The last I knew, the EU compensation payments were only for flights that originate in the EU. Flights from outside the EU to the EU are not covered by EU requirements. That is true for non-EU carriers, but Condor is an EU carrier and thus all their flights are subject to EU regulation. Another (per...
by TravelGeek
Thu Aug 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2156

Re: Travel delay: Can I *easily* get $60 back?

3. My flight was on 25-26 July, and the weather was in fact bad. But even before the bad weather became a problem, the flight was late arriving to BWI . The scheduled departure was 8:35pm. But at 5:30pm, when the weather at BWI was still fine, there was already a message that the flight will depart...
by TravelGeek
Thu Aug 16, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 24
Views: 2033

Re: Chevy Volt for Commute

Look at Bolt also. Plug in every 4-5 days vs every night with the volt. As you prob already know the max GM fed credit likely phases out in next 2 quarters as they’re close to the 200k electric car limit. Another option the OP might want to consider is the 2018 Nissan LEAF. Less range than the Bolt...
by TravelGeek
Wed Aug 15, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2156

Re: Travel delay: Can I *easily* get $60 back?

SNCF is not responsible for Condor's delay. Condor isn't responsible for damages resulting from their delay (you can't say "I missed a business meeting that would have earned me $1m so please reimburse me for that loss"). These are two independent transactions. Here's what I would do: 1. File for EU...
by TravelGeek
Tue Aug 14, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

I always wonder how many people would retire early if health care were not a concern, passing on our well paying jobs to the next generation, instead of hanging onto them until Medicare age, praying we are not subject to age discrimination. ACA has definitely opened up the ER option for some who wo...
by TravelGeek
Tue Aug 14, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 9
Views: 785

Re: Claiming airline compensation

I'm doing the DIY way right now. I can tell you how that's going so far. Trip was >2 months ago and I still have yet to get the airline (Aer Lingus) to acknowledge my online claim form even though it is a cut and dry case. I have been badgering them via direct message on Twitter and they keep sayin...
by TravelGeek
Tue Aug 14, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

I still have a ways to go before 50, when I want to retire, but my plan is to use Medicaid from 50 to 65, then Medicare from 65 onward. I expect our taxable income to be lower than the poverty line. I don’t think it is a realistic option for us, so I haven’t been paying much attention to it, but ke...
by TravelGeek
Tue Aug 14, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6480

Re: Using ACA for early retirement years

Just like other factors such as cost of living, climate, taxes, proximity to family, etc. availability of affordable health insurance might just become another item that needs to get factored in to one's choice of location to live. What would make it impossible? Impractical, maybe, but, that is usu...
by TravelGeek
Tue Aug 14, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Are late Vanguard 1099s International/Small cap only?
Replies: 4
Views: 193

Re: Are late Vanguard 1099s International/Small cap only?

A colleague's wife definitely had someone else take away her refund. Not just that, they wouldn't accept her actual return since there was already a return filed on her name. It was apparently a big hassle to call talk to the IRS over and over, verify identity, get a PIN of some sort, get them to d...
by TravelGeek
Mon Aug 13, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2441

Re: Using Uber Without A Cellular Data Connection

Or take the extremely efficient train to downtown, and then get a cab. Indeed the train worked great for us. I did select our hotel to be in walking distance from the train station (which is fairly central... and appropriately called Centraal :) ) For making phone calls while on WiFi, perhaps consi...
by TravelGeek
Mon Aug 13, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2336

Re: What's the reason you would buy reading glasses at...

Just sayin... wrote:
Mon Aug 13, 2018 10:56 am
I do this, then “fancy them up” with a nice el-cheapo pleather case:

https://www.amazon.com/gp/product/B01M7SKCUJ/

:sharebeer
So the case costs more than the glasses it protects (eh, fancies up)? ;)
by TravelGeek
Sun Aug 12, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1984

Re: Vanguard updated 1099 in August!

It is the taxpayer's responsibility to ensure they have all the tax forms and that they are correct (as far as they can tell). Don't you do a cursory comparison between the dividends, interest, capital gains they receive each year and what the tax forms report? Uhh, no. I figure their computer gets...
by TravelGeek
Sat Aug 11, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Foscam Security Camera ( wire-free/IP )
Replies: 5
Views: 477

Re: Foscam Security Camera ( wire-free/IP )

Take a look at Wyze Cam at www.wyzecam.com and/or Amazon. Not sure that it has exactly the functionality that you're after but it works very well as a basic security camera for us and is cheap. I started with one just to play with it and now have three. I have two Wyzecams as well and like them. Al...
by TravelGeek
Fri Aug 10, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3290

Re: 1024.99 for a book. Why?

CaliJim wrote:
Fri Aug 10, 2018 8:36 pm
Scams to earn credit card points?

I buy your one book for $1024, you buy my two books for $512/ea.

??
And you pay how much in commission to Amazon? Sounds like expensive points to me.
by TravelGeek
Fri Aug 10, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2068

Re: Do Airlines measure checked baggages?

I suspect that the OP, like me, travels much more domestically than they do internationally. I own several bags that meet US domestic carry-on dimensions, but I've never bought a bag specifically to meet the smaller international dimensions. For overseas flights like the Ethiad one, I think that's ...
by TravelGeek
Fri Aug 10, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7410

Re: Rude response from boss re: market adjustment

I took a couple hours of my own time yesterday to compose a professional request for an evaluation at my company for a market adjustment for my department. ... While it's true I have received a small additional incentive on 2-3 paychecks, this was a proposal for not just me but the entire departmen...
by TravelGeek
Thu Aug 09, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2068

Re: Do Airlines measure checked baggages?

OP - there are no guarantees that a bag that's too large will not be measured and discovered. I have seen airline agents measure bags. Plan accordingly.
by TravelGeek
Thu Aug 09, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2068

Re: Do Airlines measure checked baggages?

We got to the airport, with our relatively new carry-ons, because one airline we tend to use had just decreased the carry-on size by *one* inch (so we had already "down-sized" for a different airline, and we were well within dimensions for the current airline), and we carry meds that we cannot risk...
by TravelGeek
Wed Aug 08, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2036

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

investor997 wrote:
Wed Aug 08, 2018 7:36 pm
I'd love to know what data Chase and United use to make this elevated offer... All I get is the standard 40K/$100 credit deal.
No idea. But I plan on cancelling one of my Chase cards soon (Marriott) and might apply for this offer.
by TravelGeek
Wed Aug 08, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2036

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

The 50K "inflight" offer is just a URL: https://unitedexplorercard.com/inflightoffer. It doesn't seem to require any proof of being on a flight. The main question is which you value more: $100 statement credit or 10K miles. The latter might be more beneficial if your long term goal is an internatio...
by TravelGeek
Tue Aug 07, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2036

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

How does the credit card give you any greater access to award tickets than just using your miles? I've got the United card since I used to fly United a lot, but I've moved and I find I'm not using United routes as much. United has greater "inventory" for travelers with Elite status or United credit...
by TravelGeek
Tue Aug 07, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2036

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Thanks TravelGeek that is very helpful. My guess with some vacations and personal trips thrown in there I might get to Silver status. What does Silver status get you? Also, does Chase Sapphire Rewards or similar Travel card get you status on any airlines any faster or is it standard that you have t...
by TravelGeek
Tue Aug 07, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4664

Re: Is solar power for your home a worthwhile investment?

Well, of course you need batteries if the sun isn’t out and you want to be self-sufficient. Was that not clear? I was referring to an inexpensive way to hook up to the grid that would not endanger line workers in the event of my being up while the grid is down. I think in my setup that will add $50...
by TravelGeek
Tue Aug 07, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2036

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

... I would say if the Explorer card helps you make Gold Elite faster, then it will provide real value, then you get Economy Plus upgrade essentially automatically without a fee. ... Do you happen to know what it takes to get Status like Gold Elite? I have literally never had status on any airline ...
by TravelGeek
Tue Aug 07, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4664

Re: Is solar power for your home a worthwhile investment?

F150HD wrote:
Tue Aug 07, 2018 9:34 am
Whatever became of Tesla's solar roof? Great idea IMO but never hear about anyone having one. Guessing due to cost (?)
Here’s an interview with “one” :)

https://www.greentechmedia.com/articles ... solar-roof
by TravelGeek
Tue Aug 07, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20191

Re: "Don't Obsess About Expense Ratios"

While i am a big fan of passive investing, I am really glad Fidelity is a profit making entity. I believe that is one of the reasons they have so much better customer service. I find it a bit curious that on a board that has so much interest in the equity markets thriving, that there seems to be so...
by TravelGeek
Tue Aug 07, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20191

Re: "Don't Obsess About Expense Ratios"

corn18 wrote:
Tue Aug 07, 2018 7:00 am
The next really big move by FIDO would be to go truly mutual like Vanguard. Then John Bogle will know he has changed the world.
Maybe Jack could send the Johnsons an autographed copy of “Enough” :)
by TravelGeek
Tue Aug 07, 2018 12:57 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20191

Re: "Don't Obsess About Expense Ratios"

I don't need customer service. I do everything online, and it's very easy to use Vanguard to do what I do. On the rare occasion that I've needed to contact Vanguard's staff for some reason, they've been fine. That is my experience as well. I have never called VG or Fidelity in over 20 years of acco...
by TravelGeek
Tue Aug 07, 2018 12:45 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20191

Re: "Don't Obsess About Expense Ratios"

I disagree. Fidelity spartan funds have been tax efficient for years. I have no reason and no proof to believe that these funds will be less efficient than vanguard. Hence all new money being invested (irrespective of taxable or tax sheltered) should go to these Fido funds. Period. The “Tax Efficie...
by TravelGeek
Tue Aug 07, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 12350

Re: Retire Internationally for FIRE

In my humble opinion, the ease and prevalence of suing the medical establishment is one of the most important issues to consider when picking a country for the last few twilight years of your life Are you saying that because you want to be able to spend your last few twilight years suing doctors, o...
by TravelGeek
Mon Aug 06, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2438

Re: My Credit Card Rewards Strategy

Well, to each his/her own. I don't think it's a painstaking amount of time but there's a diminishing amount of returns if you are talking about running 5+ credit cards to squeeze out percentage points on your spend. The amount of time the OP would need to invest starts to expand if he includes annu...
by TravelGeek
Mon Aug 06, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2438

Re: My Credit Card Rewards Strategy

Not quite 3% but Penfed Platinum Rewards Visa gives you 3% in points at every grocery store. But each point is worth only .85 cents so it becomes a 2.55% card. This is really the BEST non rotating bonus for groceries. I’d argue that my old Chase United Airlines Select Visa is better. It gives me 2x...
by TravelGeek
Sun Aug 05, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 3796

Re: How to Start CC Churning

Many folks are reporting that Amex's rules in practice are that you can only take out a card for the promotional bonus every 7 years. Their system apparently doesn't 'remember' you ever taking out a card after that period of time. This is likely a historical artifact. I'm not familiar with American...
by TravelGeek
Sun Aug 05, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9276

Re: Do We need health insurance??

I am very interested in an answer to OP’s question about the availability of very, very high deductible healthcare insurance, as well. Like in the range of $50K to $100K deductible. I view it more as wealth insurance than health insurance. While I don’t have the OPs level of wealth, I would conside...
by TravelGeek
Sun Aug 05, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Front load 401k?
Replies: 23
Views: 1964

Re: Front load 401k?

We have been front loading for years. Yes, I checked how the match works. The sooner the money is in the market the longer it can work for me. And if I were to quit or laid off, I would have maximized my contributions.
by TravelGeek
Sun Aug 05, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2103

Re: Why international?

I sleep very well at night having all my money in domestic equities - it's good enough for me. To keep this simple, having international exposure is simply a hedge against U.S. as a nation go bust. Is it a legit risk? Absolutely. How likely in you or my lifetime? Unlikely. Hence, in my world, it's ...