Search found 1915 matches

by TravelGeek
Sat Jun 23, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 37
Views: 1671

Re: When did you start flying business class?

2006, after I discovered Flyertalk. I have bought only a couple business class tickets when they were extremely cheap considering all the benefits. I have gotten upgrades or bought awards in business class many times. My current “policy” is to at least fly in the extra legroom section (think UA Econ...
by TravelGeek
Sat Jun 23, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

HA! I see what you are saying better now. I am honestly operating under the assumption that any conglomerate or brand that has already invested in EV cars and factories (16 factories in VW's case) ... We will see. We will indeed see. To be clear I am not predicting that Volkswagen AG is going to bu...
by TravelGeek
Sat Jun 23, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 4
Views: 370

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

What is your overall spend on credit cards, and do you know the rough breakdown by categories (dining, groceries, travel, gas, ...) that may be subject to bonus points?

Personally, i don’t consider a once a year international trip to be “frequent”; do you also have domestic flights?
by TravelGeek
Sat Jun 23, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

Up thread there was some discussion about even if Tesla were to fail another car company would likely purchase them thereby perhaps lessening any warranty/support concerns on a new Model 3. I think this is highly unlikely. The WSJ just ran a nice overview of the luxury electric space. Start Your En...
by TravelGeek
Sat Jun 23, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 118
Views: 10466

Re: Can you retire on $2M?

I have a rhetorical question. Why would anyone want to "retire" at age 40? What possibly would you do with all that time (that doesn't cost a lot of money)? I’ll give a rundown for my to-do list, alas I am about a decade older. In no particular order: - spend more time with my family (aging parents...
by TravelGeek
Fri Jun 22, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 84
Views: 10330

Re: Retire at 50: Should I?

Well, I think it is a matter of different people having different perspective. First, it is not clear to me why only paid work would provide challenges and personal opportunities. For me personally, I would find that outlook rather sad. Thank you for writing the reply I intended to write :) There a...
by TravelGeek
Fri Jun 22, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 115
Views: 20368

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

I have submitted it as a suggestion to my local library and will order a hardcopy from local neighborhood bookstore :beer
by TravelGeek
Fri Jun 22, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 118
Views: 10466

Re: Can you retire on $2M?

The average household in the US is about 50k/year, So 2 million at 3% withdraw rate would yield 60k. Assume house is paid and medical coverage is covered from retirement to 65 until medicare effective. 2 mil should be enough. Not many people accumulate 2 mil when they retire, so your BH lifestyle a...
by TravelGeek
Fri Jun 22, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 1869

Re: Two Toyotas - time to update for long trips?

I just cannot imagine how awful it would be to have a mechanical issue while driving through Atlanta or the equivalent. Atlanta is an awful place to have a car problem? ;) There was recently a thread about visiting the Steens Mountain region of Oregon. Having been there, I can tell you that having ...
by TravelGeek
Fri Jun 22, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 118
Views: 10466

Re: Can you retire on $2M?

Just move overseas for the win The moving overseas idea to reduce costs is an illusion, Most countries are more expensive than the US. Most countries? I think the majority of the countries on this planet allow for a good standard of living at a lower cost than the US (unfortunately in many cases th...
by TravelGeek
Thu Jun 21, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Heat strips in heat pump miswired and on all the time - how much extra electricity cost?
Replies: 14
Views: 979

Re: Heat strips in heat pump miswired and on all the time - how much extra electricity cost?

This is not a hard problem though, and you don't have to guess. If you can find the specs for your unit, the strip heat capacity will be in kW. Most are on/off units, so device capacity in kW, times hours on, times electricity price per kW hour is what this mistake has cost you. Plus whatever the A...
by TravelGeek
Thu Jun 21, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4161

Re: Do you cancel old credit cards?

I've pictured being on vacation and all of a sudden my credit card doesn't work anymore. :annoyed I have had that scenario: on the way to the airport for a long weekend trip I get a text from Chase Security asking if I made a transaction at store XYZ in Brazil (I was in Washington State) with my IH...
by TravelGeek
Thu Jun 21, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 84
Views: 10330

Re: Retire at 50: Should I?

Despite how much I have adored my early retirement freedom, and despite my having what many would consider a low withdrawal rate from my assets, I absolutely would NOT retire early unless I had a workable plan (with backups) to obtain health care coverage. Instead, I might have altered my career tr...
by TravelGeek
Thu Jun 21, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4161

Re: Do you cancel old credit cards?

Ever since 5/24 it has not been as much fun. I think the new Amex feature to review your previous history with them to determine eligibility may have a greater impact for many. https://www.flyertalk.com/forum/american-express-membership-rewards/1913138-amex-usa-restricts-bonuses-based-number-accoun...
by TravelGeek
Thu Jun 21, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5066

Re: Surprise - Costco sells - but does not install vehicle batteries

Just like any car or home repairs, be prepared, take your time and enjoy learning something. As i seem to recall, we have replaced one battery in the last fifteen years. On a Prius, where it isn’t under the hood and not a standard sized battery. Not a particularly useful skill we learned, since we ...
by TravelGeek
Thu Jun 21, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520635

Re: What's Your Credit Card Rewards Strategy?

Loon11 wrote:
Tue Jun 19, 2018 10:09 pm
do most of you cancel old cards? I don't want to open another I won't use but the $200 for USAA is tempting.
Here is an entire separate thread about that question from a few days ago - happy reading :)

viewtopic.php?f=2&t=251895
by TravelGeek
Wed Jun 20, 2018 1:15 pm
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 2837

Re: Is there a way to block someone?

You could be right, although it seems odd that the software would have a tab entitled Friends and Foes, but have only provisions for Friends and not Foes. No, I think you are right. The FAQ even talks about it: https://www.bogleheads.org/forum/help/faq#f8r0 But contrary to what the FAQ says, I don'...
by TravelGeek
Wed Jun 20, 2018 1:09 pm
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 2837

Re: Is there a way to block someone?

I use a blocking feature on another site. I only apply it to a few users where I decided that listening to their messages and/or engaging with them in discussion was potentially detrimental to my health. It does at times lead to hard-to-follow conversations when other posters respond to something by...
by TravelGeek
Wed Jun 20, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

matjen wrote:
Wed Jun 20, 2018 8:36 am
... and that you can prattle on about then that is why you buy it.
Seems to me you don’t actually have to buy one to prattle on about it. :shock: :D :twisted:
by TravelGeek
Wed Jun 20, 2018 3:05 am
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 2837

Re: Is there a way to block someone?

I post on a different site which uses this forum software. In the User Control Panel is a tab for Friends and Foes. On the other site, I can designate another user as a Foe and their posts will, by default, be hidden. It doesn’t look like the Administrators here have enabled that feature. Or it mig...
by TravelGeek
Wed Jun 20, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13366

Re: Oh my! Cardone says we need $10m net worth

Who is Cardone and why should I care what he is saying? :shock: :twisted: Forgive me for criticizing your comments, but I read this type of statements too often. My view is this approach is wrong and maybe dangerous. It is not important who the person is, Cardone or someone else, what is important ...
by TravelGeek
Wed Jun 20, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

As for hybrids, I don't like the mechanical complexity and still have the maintenance burden of ICE cars. That is why we switched from a 2010 Prius (non-plugin) to the LEAF (instead of plugin hybrids like the Volt or newer Prius). Like most people we have a second vehicle that is currently an ICE a...
by TravelGeek
Wed Jun 20, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Trip to the Steens Mountains in Oregon
Replies: 9
Views: 817

Re: Trip to the Steens Mountains in Oregon

MP123 wrote:
Tue Jun 19, 2018 9:55 pm

You might want the unlimited plan out there. :happy
Heh, I’ve been looking into getting a sat phone ;)
by TravelGeek
Wed Jun 20, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13366

Re: Oh my! Cardone says we need $10m net worth

I am reading the 2018 MedScape physician compensation report now. Average salary among ALL U.S. trained physicians surveyed is $305K, not the $200K the other fellow quoted which I am unsure where that came from. US New and World Report, as my link showed. And it cited BLS as a source. I would agree...
by TravelGeek
Tue Jun 19, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13366

Re: Oh my! Cardone says we need $10m net worth

I actually don't know any physician that makes that low. If you think people will endure 13+ years of training (and hundreds of $Ks in debt) to earn $200K, that is a bad deal even for a truck driver. Even military docs earn more than that, working 35 hours per week, and not all of that income is ta...
by TravelGeek
Tue Jun 19, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

Name the company. All the major players are rolling out their own EVs within weeks/months. They aren't going to buy Tesla. I am looking forward to them being rolled out. By that I hope you mean being available to order, not just showing concept vehicles and announcing future models, right? There ar...
by TravelGeek
Tue Jun 19, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

It's great that they are adding superchargers, but let's not call one 8-car supercharger per town "very impressive". How about just "nice" I don't own a Tesla, but I have to disagree. They now have over 10,000 chargers at 1261 stations. To me that IS impressive. Which other charging system has that...
by TravelGeek
Tue Jun 19, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87082

Re: To take or not to take delivery of Tesla 3

It is unlikely that I would have purchased the car I did if I didn’t have the federal tax credit and so sales tax. At a “fully loaded” ICE-like price, I would have probably bought a different (and more expensive) car (but not a BMW 3-Series or Audi A4). I am curious - now that you have it, did that...
by TravelGeek
Tue Jun 19, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13366

Re: Oh my! Cardone says we need $10m net worth

Hmm.. you sure about that? The average diagnostic radiologist I know pulls in $500-600K The average physician salary, in 2016, apparently was $201,840. The median internist salary was $196,380. If the data on this site is accurate, that is. And I don't know if/how they factor in part-time positions...
by TravelGeek
Tue Jun 19, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Trip to the Steens Mountains in Oregon
Replies: 9
Views: 817

Re: Trip to the Steens Mountains in Oregon

Oreamnos wrote:
Tue Jun 19, 2018 6:13 pm
Fantastic area, but do not underestimate how remote it is.
Trips like these are why I have AAA Plus with 100 mile towing. Not that I have needed it so far, but...
by TravelGeek
Tue Jun 19, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes! EX-hubby died and left me and four children money
Replies: 5
Views: 2525

Re: Yikes! EX-hubby died and left me and four children money

Welcome to Bogleheads.org. There is a wiki page aptly named after your username that might provide some useful information. https://www.bogleheads.org/wiki/Managing_a_windfall How you and your kids invest the inheritances might to some degree depend on the intended future purpose of the funds. E.g.,...
by TravelGeek
Tue Jun 19, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 84
Views: 10330

Re: Retire at 50: Should I?

OP’s post is very similar in many details to the one I have me mentally written many times when reading ER threads here in recent months. While health insurance is a big unknown, we are simply not willing to let it completely dictate our lives, and so we are planning for a significant health care bu...
by TravelGeek
Tue Jun 19, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Trip to the Steens Mountains in Oregon
Replies: 9
Views: 817

Re: Trip to the Steens Mountains in Oregon

Small correction. It is one mountain, so Steens Mountain :) We have been there and want to go back. Lovely "empty" space. We came from the west on Hwy 20 and stayed overnight in Burns (has a bunch of motels) and then drove around the backside of the mountain (Fields-Denio Rd according to Google Maps...
by TravelGeek
Tue Jun 19, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 128
Views: 7074

Re: gray hair

After being offered senior discounts repeatedly without asking, he decided to color his hair in order to regain his youthful appearance. Definitely not a boglehead! I look forward to senior discounts. Just this past weekend I got my hair cut at my regular "hair salon" (a national chain) and I notic...
by TravelGeek
Mon Jun 18, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4161

Re: Do you cancel old credit cards?

Being an executor is not for the faint of heart. Soon serving as executor of an estate which has been completely simplified has inspired me to do the same for my own executor. Sure, and while I have no personal experience with that role, is it really materially harder to close 5 credit card account...
by TravelGeek
Mon Jun 18, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3698

Re: Article on hotel booking sites - no bargains

Wait, so those endless and countless Trivago advertising campaigns are just a trick? :oops: I always book direct. I want my hotel loyalty program points and benefits, which are not available for 3rd party bookings. And my employer has a leisure discount rate with three major chains that tends to be ...
by TravelGeek
Mon Jun 18, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1014

Re: successful chase sapphire paid auto claim with rental abroad

bob60014 wrote:
Mon Jun 18, 2018 4:37 pm
Good to read and know. But I wonder how it will work when there is a large claim with another vehicle, loss of use and other issues that frequently crop up.
Other vehicle as in you cause damage to some other vehicle with your rental car? CSR doesn't provide liability coverage.
by TravelGeek
Mon Jun 18, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4161

Re: Do you cancel old credit cards?

Alas, I will be abandoning the cc churning game in the near future. Primary reason is opportunity cost but more importantly I want to make executing my estate as simple as possible. I don't want my executor chasing down credit cards to be closed. Imiss the thrill of the bonus chase though. <sigh> +...
by TravelGeek
Mon Jun 18, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16134

Re: Should I take possession of a certified mail?

GoldStar wrote:
Mon Jun 18, 2018 3:19 pm
The contractor is turning their money over to various charitable organizations.
Hopefully the Bogle Center for Financial Literacy is among them.

https://boglecenter.net/

Maybe the OP, should s/he come across this thread, could suggest this to the contractor :)
by TravelGeek
Mon Jun 18, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1014

Re: successful chase sapphire paid auto claim with rental abroad

UpperNwGuy wrote:
Mon Jun 18, 2018 3:28 pm
Glad to hear these good news stories. I’ve had the CSR since its inception, but not yet had to use those features.
Agree on all points. My hope is that I never need those benefits, but it's good to know they are there and apparently working as advertised.
by TravelGeek
Mon Jun 18, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 32
Views: 4630

Re: Flight cancelled. Entitle to any compensation?

+1. Definitely file the claim. They sure aren't going to compensate you on their own so I'd at least go through the process of submitting for reimbursement and seeing what happens. I am going through this now with Aer Lingus, but it is a lot more straightforward on flights originating and terminati...
by TravelGeek
Sun Jun 17, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16134

Re: Should I take possession of a certified mail?

I have been known to go on vacation for several weeks. I read on the internet that three delivery attempts are made. If you have your mail stopped, wouldn't the post office hold on to a certified letter along with the rest of your mail? No idea, but we usually just have a neighbor empty the locked ...
by TravelGeek
Sun Jun 17, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16134

Re: Should I take possession of a certified mail?

Miriam2 wrote:
Sun Jun 17, 2018 6:11 pm
TravelGeek - Don't you dare go on vacation :annoyed We're all counting on you to advise us when the "stunning conclusion" happens :happy
No vacation plans for the next few weeks. :D
by TravelGeek
Sun Jun 17, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 15
Views: 1705

Re: "Money Talk" Radio Program with Bob Brinker

I haven't listened to Money Talk in many years, but like a previous poster I did listen to it in the mid-90s up to maybe 2002. Mostly for entertainment, but I did learn a few useful things along the way in those early days of my "investment career". Never subscribed to his newsletter because I am a ...
by TravelGeek
Sun Jun 17, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4453

Re: African Safari: Worth it or Hype?

I know you want to think that, but there is no way we would have been able to spot what our expert tracker was able to spot, especially during our night drives. The night drives were amazing. And like another poster said, you're able to leave the main roads and go to the animals rather than hope th...
by TravelGeek
Sun Jun 17, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4040

Re: Tracking spending before retirement useful for estimating retirement expenses?

I am currently thinking about ER. I have not really tracked expenses in great detail, but know roughly how much we spend today and know that our investments can support this going forward. A few years ago we moved to a lower cost area. We also reduced our reliance on restaurants and eat more at home...
by TravelGeek
Sat Jun 16, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 3666

Re: iPad Pro 12.9": Replacement for Laptop?

Right. No one thing can do all three but you certainly can't do much with the Kindle other than read if you're looking to just use one device. The kindle app is great for reading in hotel/airplane/home/coffee shop though. In terms of functionality it's roughly Desktop>Laptop>Tablet>Smartphone>Apple...
by TravelGeek
Sat Jun 16, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 3666

Re: iPad Pro 12.9": Replacement for Laptop?

I think the Kindle App on your laptop could replace the Kindle and a newer laptop could replace the iPad. But, it's very personal and only you can decide. It is, as you say, really personal. But I can’t imagine sitting at the beach with my laptop reading a book. I don’t even like to use my iPad for...
by TravelGeek
Sat Jun 16, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4161

Re: Do you cancel old credit cards?

I decommission cards that serve no purpose in my “fleet”. I have several active duty cards in my wallet, several active reserve cards in my travel wallet (mostly hotel cards that I use at certain hotel brands) and a few mothballed cards that I virtually never use, but that either have no AF or provi...
by TravelGeek
Sat Jun 16, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16134

Re: Should I take possession of a certified mail?

NOT accepting the letter means that (1) you don't know what is being asked and (2) it will be returned to the sender with notification that receipt was refused. Refused? If I am on vacation while the letter arrives, I wouldn’t even know about it, so could hardly be accused of refusing its receipt. ...