Search found 1018 matches

by TravelGeek
Fri Oct 20, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)
Replies: 36
Views: 4109

Re: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)

Personally, the biggest issue I have is that it is pretty much impossible to really grasp the numbers by hand and thus I end up completely taking the tax software numbers as gospel. For other situations, I can at least ballpark the different tax bites but when it comes to AMT, reading instructions ...
by TravelGeek
Fri Oct 20, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Encryption flawed in some Yubikey models
Replies: 6
Views: 683

Re: Encryption flawed in some Yubikey models

Oh Great! :annoyed My new Yubikeys will be here tomorrow. I wonder if this topic could be added to the Equifax breach convos? From the page linked in the OP: “Yubico has addressed this issue in all shipments of YubiKey 4, YubiKey 4 Nano, and YubiKey 4C, since June 6, 2017“ So presumably you are okay?
by TravelGeek
Thu Oct 19, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?
Replies: 13
Views: 1130

Re: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?

How secure is secure enough? I mean.... they could chop your finger off and gain access without your cooperation. If it was password only they would have to crack the password or torture you until you gave up the password, so if you are really that worried: How much torture can you withstand? Oh, y...
by TravelGeek
Thu Oct 19, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2745

Re: Anyone planning on getting the new Pixel phone?

I have last year’s Pixel and love it and its size. Fits into my pant pockets and feels great in my hand. When I am at home, I have an iPad with a 9.7” screen. I won’t get this year’s Pixel. There is nothing wrong with my current device. It’s updating itself to Oreo as I write this... You have the s...
by TravelGeek
Wed Oct 18, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2745

Re: Anyone planning on getting the new Pixel phone?

DiggleRex wrote:
Wed Oct 18, 2017 10:41 am
... and the Pixel 2 has an incredibly dated look to it.
So do I :shock:
by TravelGeek
Wed Oct 18, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 57
Views: 2745

Re: Anyone planning on getting the new Pixel phone?

Just curious, for what reason(s) would you downsize in terms of the screen size? I have last year’s Pixel and love it and its size. Fits into my pant pockets and feels great in my hand. When I am at home, I have an iPad with a 9.7” screen. I won’t get this year’s Pixel. There is nothing wrong with ...
by TravelGeek
Tue Oct 17, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 23
Views: 1797

Re: Business Laptop Suggestions Request

Thinkpad. +1 I have personally purchased several Thinkpads. Very happy with all of them. My employer for years provided crappy Dell Lattitude machines. We finally switched to Lenovo and I now have a Thinkpad. So much better. Also endorse the suggestion upthread to prioritize weight over screen size...
by TravelGeek
Tue Oct 17, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: urgent battery pack recommendation for mac book pro
Replies: 10
Views: 491

Re: urgent battery pack recommendation for mac book pro

Hope you are flying first class or are in the exit row, otherwise you might have difficulties opening the 15” laptop when/if the person in front of you reclines their seat :(
by TravelGeek
Tue Oct 17, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Is there really a lithium battery in a USB-C-to-micro-USB adapter?
Replies: 8
Views: 619

Re: Is there really a lithium battery in a USB-C-to-micro-USB adapter?

I don't know the answer, but I happen to have a Samsung micro-USB to USB-A adapter on my desk (from my wife's smartphone box). It has the same logo on it ("embossed" in the white plastic; wouldn't have noticed it and polluted the entire county landfill without this thread :shock: )
by TravelGeek
Tue Oct 17, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 4941

Re: Best way to make some dollars on a 10 day vacation?

Unless you are already an expert, perhaps use the time to read a few books on the Bogleheads recommended reading list. https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews (I haven't scientifically measured the ROI, but I think it's helped me a lot more on my way towards reaching Finan...
by TravelGeek
Mon Oct 16, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5792

Re: How does everyone keep track of your portfolio?

Libre Office spreadsheet (think Excel, but free), with manually updated balances. I don't hand my account credentials to "free" aggregators to save 10 minutes every few months, and I don't have a reason to see my up-to-date summary more often. As I work to reduce complexity (fewer, cheaper funds), I...
by TravelGeek
Mon Oct 16, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 57
Views: 5469

Re: Trash dumped on curb (need advice)

I think an apartment/condo is a different story. I'm talking solely about HOAs in single family home communities. It seems to me they exist as a way to justify the actions of nosy neighbors who think they know better than you. You also seem to think that it is perfectly acceptable for the owners of...
by TravelGeek
Mon Oct 16, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3093

Re: Bonus pushed back - should I be annoyed?

I think you are over-reacting. Getting upset will not help you. Consider that the other employees around the globe were upset about receiving their bonus later. Isn't everyone working there long term effectively getting their bonus every 12 months, just in different months? So why would those "glob...
by TravelGeek
Sun Oct 15, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 29
Views: 5259

Re: Met with a CFP, not too impressed.

I signed a contract with a wealth management company for designing a plan. Cost was $500. Before signing, we talked about expectations. Low fees, indexes, insurance (ltc). He understood what I wanted. He came back with a plan for using proprietary funds from his company at a fairly heavy AUM. His t...
by TravelGeek
Sat Oct 14, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 51
Views: 3151

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

We are also dreaming a Hawaii vaca possibly with AMEX points. I don't immediately see it mentioned above, but don't forget if you have AMEX points you can sometimes convert them to Hotel points. We've saved up a bunch of points but having trouble seeing how to use them in Maui, with Grand Wailea in...
by TravelGeek
Sat Oct 14, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 51
Views: 3151

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

I've been to all the accessible islands, most more than once, several many times. I am pretty sure I will see them all again in the future, i.e., I don't think you can really go wrong with any of them. With that said... Big Island is our favorite (no Hyatt, but don't let the points tail wag the expe...
by TravelGeek
Sat Oct 14, 2017 12:54 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3152

Re: Outback Vs Forester Vs CR-V ??

I wanted an Outback. Wife liked the higher seating position in the Forester better. I agreed. We are very happy with our 2017 Forester.
by TravelGeek
Mon Oct 09, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7459

Re: Do you want your receipt?

I curious if those of you who save receipts also print them at the gas pump. I am not one of those who save receipts (see my earlier post), but at gas stations I always ask for the receipt... and use it to write down the odometer reading, so I can later add it to my spreadsheet tracking my gas mile...
by TravelGeek
Sat Oct 07, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to jump off the ship (career question)
Replies: 10
Views: 1720

Re: Is it time to jump off the ship (career question)

What age is the owner? Old at 62 is different than old at 75. If the owner is 75 (or more) and you know that his heirs don't want to be involved in the business, then I would look for a new job. Old as 89 or may be more How big is the company? Is it likely that it could be sold and continue to oper...
by TravelGeek
Sat Oct 07, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 224
Views: 26222

Re: Retirement Account Stolen by Identity theft

I don't have an opinion about Transamerica's liability, but wouldn't it get annoying if they, or Vanguard, called every time you wanted to change an address, withdraw a 'large' sum, whatever? Maybe it's rare enough that it would be tolerable. I don't know how often you change your address, but log ...
by TravelGeek
Sat Oct 07, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7459

Re: Do you want your receipt?

Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum. How often have you discovered fraud or mistakes when reconciling your paper receipts with the credit card statement? I used to do that for many years. Entered every transaction into MS Mon...
by TravelGeek
Sat Oct 07, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1419

Re: Combining spouses separate accounts into one joint account. Any downsides?

There's little downside to keeping money/investments at more than one vendor, and nowadays, there certainly seems to be possible advantage in not having it "all in one place". I'm not assuming worst case situations here, but rather that the vendor/accounts/assets would eventually become available/a...
by TravelGeek
Sat Oct 07, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 4003

Re: Trying to convince my sister not to use a financial advisor

Has the advisor shown her exactly what she'd put in and what the balance would be targeted at? I bet it's very similar (if it's being done well) to what Vanguard would do under their 0.3% personal advisory service. Perhaps she might look at those side by side and decide if what the advisor is offer...
by TravelGeek
Sat Oct 07, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 224
Views: 26222

Re: Retirement Account Stolen by Identity theft

And the use of a finger print (per a previous post)? How does that get "verified" or otherwise become useful, *especially* pro-actively, to help determine whether the "account holder" is the *real* account holder? (Sure, it might be helpful after the fact to "prove" that the fingerprint did not bel...
by TravelGeek
Sat Oct 07, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 224
Views: 26222

Re: Retirement Account Stolen by Identity theft

One benefit of Vanguard flagship has been the assigned rep, whose voice I know well. If anyone else called asking security questions I would not have answered. With the recent transition of Flagship from "individual rep" to "team" approach, I don't know how this will work going forward. The guy who...
by TravelGeek
Sat Oct 07, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 224
Views: 26222

Re: Retirement Account Stolen by Identity theft

This is not just about Vanguard's security. It's about their reimbursement commitment: Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on Vanguard.com®—and you've followed the steps described in the Your responsibilitie...
by TravelGeek
Sat Oct 07, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 224
Views: 26222

Re: Retirement Account Stolen by Identity theft

In Missouri I've never had a notary ask for more than a Driver's license. No thumbprint. I have had stuff notarized in CA and Oregon, and in both cases ID and thumb print were recorded in the notary's book. And I believe the OP mentioned that the notary in this case was allegedly (if real) in CA. H...
by TravelGeek
Fri Oct 06, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 224
Views: 26222

Re: Retirement Account Stolen by Identity theft

So "Know your customer" failed in the case of the bank account opened with false information?
by TravelGeek
Fri Oct 06, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3326

Re: Sent to collections by a hospital we've never been to?

- I ended up spending about 4 hours on the phone with various hospital employees. I would have followed up by certified mail but in all cases once I got to the right hospital billing department supervisor and convinced her it was an error she was helpful in getting it fixed. Can you bill them for f...
by TravelGeek
Wed Oct 04, 2017 1:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4070

Re: Retirement Class of 1998 (Sheepdog's Experience)

Sheepdog, you are one of my favorite posters, and this thread illustrates why. I agree with many of the other posters and aspire to follow your path into retirement, learning from your experiences. Thank you!
by TravelGeek
Sun Oct 01, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7390

Re: What will happen if I refuse to pay a medical bill?

I'm not actually sure what is meant by "Do you accept xyz insurance?" After reading this thread, i am not sure anymore either. I'll have to ask my dentist and doctor's office one of these days. To quote from their websites: "[clinic] accepts most insurance" "We also accept most other insurance plan...
by TravelGeek
Sun Oct 01, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7390

Re: What will happen if I refuse to pay a medical bill?

That's some of what can happen. I would add that you don't ask a provider if they accept an insurance and leave it at that. You need to find someone in the insurance company who says that this specific provider (not just a facility, a specific provider) is in network. By the way, they could drop th...
by TravelGeek
Wed Sep 27, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14228

Re: Bay Area Real Estate

Ah yes, the move somewhere cheaper posts that always show up in any Bay Area housing thread. I wondered why it had taken so long this time. Why live in high cost Florida? Why not move to rural Montana and buy multiple houses? I don't quite understand why you (seemingly) mock those who make that sug...
by TravelGeek
Wed Sep 27, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1741

Re: Equifax Liability

As to Equifax, this is such an outrageous breach, exposing so much more of my personal information, forever! And yet the OPM breach exposed magnitudes greater amounts of personal information on 21.5 million Americans and yet it received little press, there were no lawsuits ever filed, and it was qu...
by TravelGeek
Tue Sep 26, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1400

Re: Weekend trip in Portland, Oregon - ideas?

There are a bazillion and I'm not particularly up to date as my wife and I have mostly been exploring Vegan offerings on the east side for the past 6 months. Thank you for all the suggestions; I think they'll not only be useful to the OP. I have a couple of trips to Portland coming up. Any suggesti...
by TravelGeek
Tue Sep 26, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1400

Re: Weekend trip in Portland, Oregon - ideas?

Hey imperio, not sure if this is something you are interested in, but we are planning a day trip to Portland perhaps next weekend to see the Pompeii special exhibit at the Oregon Museum of Science and Industry (OMSI). https://omsi.edu/pompeii http://www.oregonlive.com/entertainment/index.ssf/2017/06...
by TravelGeek
Mon Sep 25, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7428

Re: I ran out of credit card signups bonus...

Are any of the airline miles easy to convert to actual cash? I've done most of the cash bonus cards but none of the airline/hotel cards because I never travel for personal recreation and having traveled extensively for business in the past, would be happy to never set foot in an airport again. I ha...
by TravelGeek
Sun Sep 24, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6807

Re: Tipping question....Applebees

My solution: I moved to a state without sales tax :)

When traveling to other states, I tend to just calculate the amount myself. In my head. With the pre tax amount as the basis. And I generally tip well.
by TravelGeek
Sat Sep 23, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: DVDs and Longterm Storage
Replies: 7
Views: 602

Re: DVDs and Longterm Storage

I used Vudu's disk to digital service to convert some of my DVDs to a streaming format. If the disk is eligible for conversion it takes a few seconds. Last year, I was able to convert DVDs for $1 each (batch of 10 or more). I think that discount is gone now, so about $2 per DVD to SD resolution. HD...
by TravelGeek
Sat Sep 23, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: DVDs and Longterm Storage
Replies: 7
Views: 602

Re: DVDs and Longterm Storage

dr_g wrote:
Sat Sep 23, 2017 7:59 am
Why not upload to YouTube?
Because it would likely be a copyright violation.
by TravelGeek
Fri Sep 22, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8618

Re: VG wants everyone to transfer to a brokerage account?

However, why would this be a big deal? On the surface I have no issue with it. I do have brokerage accounts at Fidelity. For those of you fearing this, what are the potential negatives? On balance, I'd rather have the flexibility of a brokerage account vs not. If it ain't broken, I don't need no fi...
by TravelGeek
Thu Sep 21, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Would you get flood insurance?
Replies: 25
Views: 1405

Re: Would you get flood insurance?

I live in California. I have earthquake insurance even though my house has never been affected by an earthquake. When we lived in the Bay Area, I paid for earthquake insurance. Many of my friends and coworkers didn't. Paid for 12 years, never had a strong enough quake to collect any money (or, more...
by TravelGeek
Wed Sep 20, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Help with Airline Transfer in Paris (CDG)
Replies: 12
Views: 1065

Re: Help with Airline Transfer in Paris (CDG)

Actually I think it does matter. When you enter the Schengen zone, you have to collect your bags and take them through customs/immigration, even if they are checked through to your destination (you would then drop them off again to continue their journey). ... This was my experience this summer as ...
by TravelGeek
Mon Sep 18, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7096

Re: Physiological effects of Early Retirement in peak earning years.

Thank you for the link. It's noteworthy that physicians identify with their profession, focus on the sunk cost of their education, and retire at a later age than people in other professions. The guest speaker Jeff recommends that physicians separate their identity from their job, leave the job behi...
by TravelGeek
Sun Sep 17, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7096

Re: Physiological effects of Early Retirement in peak earning years.

it is hard to imagine just tuning off the lights on my career one day as a physician. After spending most of life studying to become one and working, it is terrifying to just let it go. With my career being so time consuming, I haven't developed as many friends and hobbies as I would like. I feel l...
by TravelGeek
Thu Sep 14, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: 3Q2017 Estimated taxes are due 15 Sep 2017
Replies: 14
Views: 827

Re: 3Q2017 Estimated taxes are due 15 Sep 2017

2016 was the first year I paid estimated taxes, and I'm almost positive I didn't pay buy a couple of the deadlines. If the IRS noticed, they didn't tell/penalize me. I have paid estimated taxes (based on TurboTax estimates) in addition to employer-deducted taxes for many years. I have missed deadli...
by TravelGeek
Thu Sep 14, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 787

Re: [ShopRunner] from AMEX

I used it a few times and it worked fine. Since it was free via my AMEX card, I saw no reason not to sign up and use it. Probably wouldn't pay for it since most of my online purchases are from Amazon (and/or from other online merchants that have free shipping).
by TravelGeek
Sun Sep 10, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Costco Open Monday Sep 11 in S. Florida ?
Replies: 6
Views: 1370

Re: Costco Open Monday Sep 11 in S. Florida ?

My gut feel from 2600 miles away is that it probably is location dependent.

I would have suggested tweeting them, [OT comment removed by admin LadyGeek]

Perhaps try emailing them? https://customerservice.costco.com/app/ask

Stay safe!
by TravelGeek
Sun Sep 10, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2852

Re: Who actually buys lottery scratch offs?

I don't. Never. I consider the lottery (and slot machines) a "tax" on those who didn't take enough math classes ;)
by TravelGeek
Sun Sep 10, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2709

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

I've been a victim of that, absolute nightmare. And I'm incredibly careful about my information, I'm convinced someone at my bank stole it. And the IRS is a nightmare to work with. Someone stole my info, did a tax return in state I never lived in and got their "refund" [OT comment removed by admin ...