Search found 3724 matches

by TravelGeek
Mon Sep 28, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923290

Re: What's Your Credit Card Rewards Strategy?

I have not seen $2 per point on United in a long time unless I am willing to do some awkward first class flight which I think losses significant value if I have a much longer fly time and more layovers. Am I mistaken or is this where you see that value? I have never seen $2 per point either but two...
by TravelGeek
Mon Sep 28, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923290

Re: What's Your Credit Card Rewards Strategy?

I'm not sure when I will travel aboad next, but would like a card that has a 0% transaction fee which ruled out the Citi Double Cash for me. Chase Freedom Unlimited could be an option, but I dont have either of the Sapphire cards. I dont expect I would charge too much on this card so not sure how f...
by TravelGeek
Mon Sep 28, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Pay Yourself Back
Replies: 24
Views: 2985

Re: Chase Sapphire Pay Yourself Back

I'm still debating on if it makes sense to cash out as much as I can at 1.5 cents or keeping some points for transfering to travel partners. I've been able to get north of 2 cents in some redemptions (and, no, it's not business/first class flights either). Glad they extended it as is. I expected th...
by TravelGeek
Sat Sep 26, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Talk me into buying a Tesla Model Y
Replies: 63
Views: 3755

Re: Talk me into buying a Tesla Model Y

I am following this thread with interest. We are considering downsizing our “fleet” next year and replace our two current vehicles with a single Model Y.

OP, have you done a test drive? (I am looking at scheduling one next month).
by TravelGeek
Wed Sep 23, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4338

Re: Smoker next door

When we took a cruise to Alaska we had a balcony. The air was pristine and the scenery spectacular. On the adjacent balcony was a cigar smoker. Instead of sitting on the balcony in our robes, we dressed and went up on deck. Not much else you can do. Smokers smoke. I would not book a cruise on a shi...
by TravelGeek
Wed Sep 23, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4338

Re: Smoker next door

Why can't you talk to them and ask them to smoke elsewhere? Lol. Sure, the OP *could* do that, but I don't think it would go over well. A condo resident has the right to smoke on their own patio and I doubt any smoker would see it otherwise. Depends on local law. E.g., https://www.nolo.com/legal-en...
by TravelGeek
Tue Sep 22, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

Of course I am gonna avoid procedures where I lose money. I'm in a business not a charity. So more money overrides the goal of, you know, providing care to improve the health of patients. I guess the hippocratic oath needs an update to reflect the healthcare some actually practice: “I will apply, f...
by TravelGeek
Tue Sep 22, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

Follow up again: wife called the office and said we will pay out of pocket. The doctor is now refusing all services. WOW. Wow indeed. What reason was given? Is the doctor a Bogleheads? I doubt there is little the OP can do, but I may be wrong. Providers don’t have to take insurance or offer all pro...
by TravelGeek
Tue Sep 22, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

There is no insurance contract that says doctors have to treat everyone that comes through the door. There is no contract violation. I don't know why this is so difficult to understand. I don’t know what the typical physician’s contract with insurance companies requires them to do, but I have to ad...
by TravelGeek
Mon Sep 21, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Offshore Bank Account?
Replies: 24
Views: 2774

Re: Offshore Bank Account?

You will need to report the accounts via the FBAR form online every year but it is pretty straight forward. However, there are severe penalties for not doing so don’t forget. TurboTax asks about foreign accounts and reminds me to file the FBAR form. I do it as I work on my tax return, in Feb or Mar...
by TravelGeek
Sun Sep 20, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

This is going to last for far longer than a couple of weeks. It's already been a month. I have four portable HEPA filters spaced strategically through the house (one in each bedroom and one in the middle of the main living space). Even with that, my indoor air quality is still getting affected (but...
by TravelGeek
Sun Sep 20, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Does paying for 1Password Family worth it for a family of 2?
Replies: 19
Views: 1426

Re: Does paying for 1Password Family worth it for a family of 2?

You can actually purchase the software (1Password) without having to buy a subscription. Can use Dropbox or even iCloud I believe to store the encrypted vault. You will have to buy it again for major version upgrades. I believe the trick is to download it from the website, then choose local vault s...
by TravelGeek
Sun Sep 20, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Does paying for 1Password Family worth it for a family of 2?
Replies: 19
Views: 1426

Re: Does paying for 1Password Family worth it for a family of 2?

If you are outsourcing some security-critical service, such as storage of your passwords, it is probably a good idea to establish the relationship of being a paying customer! This helps align your interests with the interests of the service provider: you pay them money to provide you with a service...
by TravelGeek
Thu Sep 17, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

Do all air conditioners have fresh air intake? How do you turn it off? I don't know if all have it, but our HVAC system has a Bryant HRV (heat recovery ventilator) that brings in fresh air and during the heating season uses the warm internal (used) air to warm it. It sucked in smoky air until I tur...
by TravelGeek
Thu Sep 17, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

We are back in the hazardous zone (430) today after dropping to the mid-100s and 200s yesterday. Looking forward to the rain that's been forecast for tomorrow. Received an air purifier yesterday that I had ordered on Amazon last week (just before they were all out of stock). Seems to help a bit, but...
by TravelGeek
Thu Sep 17, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

Just wanted opinions: ... I think they should have told us in the two weeks or even that day, not afterwards. I can certainly relate. DH just got his first shot a week ago. CVS had his ins. info and said "today's shot is free (covered). ". Now that was before he informed us that there is a 2nd shot...
by TravelGeek
Thu Sep 17, 2020 1:02 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

$160 after insurance is about the going rate. I paid that for both shots. Gill My insurance paid around $170 for each shots, for me and my wife. No copay. A parting gift from my former employer. I just paid $350 for a COVID-19 test ($250 charge by med center; $100 charge by lab; took 2 minutes for ...
by TravelGeek
Wed Sep 16, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9624

Re: Quicken Disaster!

I've repeatedly said/worried about all these releases. There has been like 20 this year. That doesn't bode well for a mature product IMO. I keep finding bugs even after a gazillion updates. The current mindset in software development is to update all the time. Conceptually, if you have bugs fixed a...
by TravelGeek
Wed Sep 16, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 6754

Re: Solar - after 1 year the results are in.

JS-Elcano wrote: Tue Sep 15, 2020 11:25 am Don't you have to pay simply be hooked up to the public utility? Like a base charge? That could easily be most of that remaining $59.
Or could be easily a lot less. We are paying $10.85 per month for the access to the grid.
SmallCityDave wrote: Wed Sep 16, 2020 9:49 am
You got it, cost for service is +/- $35.
Ouch!
by TravelGeek
Tue Sep 15, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

I'm in western Montana and the AQI has been between 150 and 200 since Saturday. Better than the coast, but still not a situation one should be doing any fun outdoor activities in. My apologies on behalf of all of those west of you for sending the smoke your way. And further... smoke has been tracke...
by TravelGeek
Tue Sep 15, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

I would wager the net health benefit of jogging in air that smoky is negative. The question I would like to find more clear information on is how negative. As negative as having a campfire? As negative as smoking a pack of cigarettes? Gov. Newsom yesterday said that the air quality in CA was the eq...
by TravelGeek
Tue Sep 15, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

When we “evacuated” last week to avoid the smoke, the AQI (depending on the site) was between 400 and 500 for our town. It looked like a post-apocalyptic scene out there. Would you mind sharing a little more what it looked like? Was the sky unusually colored? Could you actively see large amounts of...
by TravelGeek
Tue Sep 15, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

I've been looking for information on this to try to better understand what is meant when officials say a certain level is "unhealthy." As near as I can find, the current particulate concentrations on much of the west coast have been in the same ballpark as secondhand smoke exposure, but less than d...
by TravelGeek
Tue Sep 15, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Web-Cam
Replies: 18
Views: 1149

Re: Web-Cam

Prices on webcams have gone up substantially due to pandemic-driven demand (many people working from home). Some camera makers have created drivers that turn non-webcams into web cams to help with the shortage. E.g. Wyze : https://www.theverge.com/2020/3/31/21202022/wyze-firmware-update-webcam-secu...
by TravelGeek
Tue Sep 15, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6783

Re: Coping with Wildfire smoke

Here in the PNW we have been literally off the chart (400-500+) since last Thursday. On Friday we decided to bug out and head east. We spent the weekend in Idaho with AQI in the 80s initially (so outdoor activity was possible) and 150 on Sunday (so we stayed in the hotel and enjoyed the clean/filter...
by TravelGeek
Tue Sep 08, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5520

Re: What is PenFed good at?

I can tell you what they are NOT good at....web site design! What you see now is definitely an improvement over what it was 10 years ago. Yup, that's very true. 2010: https://web.archive.org/web/20100807034054/https://www.penfed.org/ and for fun... 1996: https://web.archive.org/web/19961113220527/h...
by TravelGeek
Mon Sep 07, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Portable radios for Wifi/Internet content?
Replies: 9
Views: 941

Re: Portable radios for Wifi/Internet content?

I rather ask Google Home to stream XYZ (which usually utilizes TuneIn or iHeartRadio), or I use the TuneIn app on my iPad or Android phone to play whatever station I bookmarked via Bluetooth speaker/earphones or cast it to a Chromecast device. Wouldn’t really want a dedicated proprietary device for ...
by TravelGeek
Sun Sep 06, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5520

Re: What is PenFed good at?

As for optimizing the number of financial accounts, there are two opposing considerations: a) simplicity of having as few as possible b) resilience of having diversity and redundancy "possible" can certainly factor in a desire of resiliency/redundancy. I don't want more accounts than I need, but th...
by TravelGeek
Sun Sep 06, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2976

Re: Reducing road noise that reaches back side of house

I see really no need for a dedicated white noise machine these days when there are dozens of apps for smartphones and tablets. At the very least, I'd use those options to try out whether it helps or not. I would concur, in general. But I'm one of those weirdos that maintains a "no screens in the be...
by TravelGeek
Sun Sep 06, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: plug in streaming device
Replies: 38
Views: 2195

Re: plug in streaming device

Thanks everyone for chiming in, but I need something that is wired and not wireless. I can’t use the intranet for this process. Apple TV and such is not an option. Wired to what? What do you mean by intranet -- are you using it as a synomym for your wireless home network? If wired to your devices, ...
by TravelGeek
Sun Sep 06, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 2976

Re: Reducing road noise that reaches back side of house

I see really no need for a dedicated white noise machine these days when there are dozens of apps for smartphones and tablets. At the very least, I'd use those options to try out whether it helps or not.
by TravelGeek
Sat Sep 05, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5520

Re: What is PenFed good at?

As others have said, Penfed had very competitive mortgage rates (fixed rates and for 1-2 years there was a really good deal on a 5/5 ARM), CD rates, and credit card deals. I've been thinking about cutting everything off from them though... the only association I currently have w/ Penfed is a no for...
by TravelGeek
Sat Sep 05, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5520

Re: What is PenFed good at?

Their CD rates were good around 2013 but not recently. I closed my account and my mom's account. Same here. I opened my account during the 3% five year CD special rate period. Now that all CDs have matured, I have only about $80 in the share account and will close it in December if no new CD offer ...
by TravelGeek
Sat Sep 05, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: How do you *say* "ERISA"
Replies: 37
Views: 2118

Re: How do you *say* "ERISA"

Like the name Erika, except substituting S for K.

https://en.wikipedia.org/wiki/Erika_(given_name)
by TravelGeek
Sat Sep 05, 2020 12:49 pm
Forum: Personal Investments
Topic: New to the boglehead world-ADVISE!
Replies: 14
Views: 1452

Re: New to the boglehead world

Welcome to Bogleheads.org. Here is the recommended format for questions of your nature that tashnewbie mentioned:

viewtopic.php?f=1&t=6212
by TravelGeek
Fri Sep 04, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923290

Re: What's Your Credit Card Rewards Strategy?

Now the trouble is finding another card to take out. We aren't planning on doing much flying for the next couple of years, so cards with bonus airline miles aren't very appealing. We might not have a better option though. I don’t mind earning airline miles now in anticipation of using them next yea...
by TravelGeek
Fri Sep 04, 2020 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bankrupt Brother Needs Mortgage Help
Replies: 46
Views: 3768

Re: Bankrupt Brother Needs Mortgage Help

Couple of thoughts: - where is the brother (in law?) living now? I am always fascinated by the desire of people to own a home they can’t afford or qualify for. There is nothing wrong with renting. During the 2008 crisis I saw three relatives lose their homes, and it didn’t surprise me because IMHO n...
by TravelGeek
Thu Sep 03, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom Unlimited Visa
Replies: 14
Views: 1802

Re: Chase Freedom Unlimited Visa

If one is looking for a simple to understand flat rate cash back no annual fee Visa credit card, is the Chase Freedom Unlimited the best current option? I am only interested in having one credit card and not interested in cards with variable cash back rates on categories. Does Chase provide satisfa...
by TravelGeek
Thu Sep 03, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom Unlimited Visa
Replies: 14
Views: 1802

Re: Chase Freedom Unlimited Visa

It's a good card from a good bank. Starting soon (Sept 13), it will actually receive some improvements. While today I earn 1.5 UR/cents per dollar spend, it will then have a few categories: https://www.doctorofcredit.com/major-chase-freedom-revamp-mastercard-freedom-flex-freedom-unlimited-will-earn-...
by TravelGeek
Wed Sep 02, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4822

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

I'd guess that many Bogelheads will likely find it easier to grab a 1099 from TY2019 than to dig our their SS cards. Sure, the e-delivered 1099s are right here on my computer. Will they accept a home-printed document, though? :twisted: They did in our case So it’s just security theater :oops:
by TravelGeek
Wed Sep 02, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923290

Re: Great new benefits with Chase Freedom Unlimited

It's really a $250 card because not everyone (myself included) uses the door dash credit. I think the CSR is going to need a serious overhaul or many cardholders will simply downgrade to the CSP for $95 for the ability to transfer to partner airlines/hotels. It remains one of my favorite cards, and...
by TravelGeek
Tue Sep 01, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4822

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

Clearly not the same for everyone. I don't understand how the SSA site can say you can do this online and then for some people it says you cannot. Yeah, it's weird. My wife wasn't able to request a replacement card a few months ago, so we trekked down to the SSA office (pre-pandemic) and did it in ...
by TravelGeek
Tue Sep 01, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4822

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

neilpilot wrote: Tue Sep 01, 2020 1:40 pm I'd guess that many Bogelheads will likely find it easier to grab a 1099 from TY2019 than to dig our their SS cards.
Sure, the e-delivered 1099s are right here on my computer. Will they accept a home-printed document, though? :twisted:
by TravelGeek
Sun Aug 30, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Raccoons!
Replies: 38
Views: 2564

Re: Racoons!

JPH wrote: Sun Aug 30, 2020 12:15 pm I'm always afraid that I will catch a skunk!
OK, I have to ask: What's your plan for when that happens? :twisted:
by TravelGeek
Fri Aug 28, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2525

Re: Brother printer 'trips' my battery backups

Ah yes, laser printers have always been notorious for their peak current draw. In the old days at least, you were never supposed to connect them to your UPS, if i remember correctly. Never connect a laser printer to battery power. It isn’t worth it. A surge suppressor is sufficient. Most UPS have o...
by TravelGeek
Fri Aug 28, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2525

Re: Brother printer 'trips' my battery backups

Thank you. Given that wattage, is it normal for a backup to trip for a second or two? Don’t know if it is “normal” but about a decade ago I had a cheap Brother laser printer that did the same thing. Don’t recall the model number, but it was around $100 with a starter cartridge. Today I have a Broth...
by TravelGeek
Thu Aug 27, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: Salesforce Price Run-Up Challenges DJIA Selection
Replies: 8
Views: 824

Re: Salesforce Price Run-Up Challenges DJIA Selection

Most people pay attention to the DJIA to the extent that they pay any attention to the stock market. When someone says the stock market it up, they are likely talking about the Dow Jones Industrial Average. For the average person, the Dow means the stock market. While just looking at the Dow is not...
by TravelGeek
Thu Aug 27, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: library ebooks not available for kindle?
Replies: 20
Views: 1332

Re: library ebooks not available for kindle?

I find a physical Kindle device to be rather redundant these days. While I don't mind electronic books, I find I prefer actual books. I read books on Kindles, iPads, and paper. Each has pros and cons. In my comfy living room chair I prefer a real old fashioned paper book. At the beach or at night i...
by TravelGeek
Thu Aug 27, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Dealer service cracks dash doing passenger airbag recall.
Replies: 10
Views: 966

Re: Dealer service cracks dash doing passenger airbag recall.

You can try to escalate the issue. Though, I doubt it will really hurt resale value any FWIW. I will admit I would be pretty annoyed if this had happened to me. That said, realistically I don’t think a future buyer of a 2007 vehicle will be too concerned about it, i.e., I don’t think it will have a...
by TravelGeek
Sun Aug 16, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4845

Re: USPS shipping: Caveat Emptor

This doesn’t seem new. It’s been a joke for years: Use Fedex when it absolutely, positively has to be there overnight. 2) I've only had serious shipping problems four times in about thirty years. Three were with FedEx, one was with UPS. Proof that individual data points aren’t necessarily represent...