Search found 2891 matches

by TravelGeek
Tue Apr 23, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 37
Views: 1778

Re: How to clean a garage?

I tried watching Marie Kondo. Didn't help... My garage is full of 25 years worth of crap. Don't get me wrong, we park both our cars in the garage Unless your two cars are both Smart cars, color me impressed. You managed to store a lot of stuff in the garage. And congratulations for being among the ...
by TravelGeek
Tue Apr 23, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 52
Views: 2732

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

I've found this magazine and website https://www.intltravelnews.com/ to be indispensable for planning international traveling and longer-term stays. The magazine is not a glossy, coffee-table product [it is news print/ black and white], but full of traveler recommendations and cautions. Years ago I...
by TravelGeek
Tue Apr 23, 2019 11:01 am
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 23
Views: 1765

Re: Vanguard Flagship Select Representative ??

Has anyone gone through this situation & had success with keeping their Rep in the place of the new Flagship Select Rep. ?? Any guess would Vanguard bend their rules just a little bit ?? Would you care to comment ? or/& share your experience on this situation I find myself in. I wonder if you could...
by TravelGeek
Mon Apr 22, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Africa the Boglehead way
Replies: 10
Views: 857

Re: Planning a trip to Africa the Boglehead way

Exterous wrote:
Mon Apr 22, 2019 6:11 pm

It was $2100 for the two of us for a 4 day safari, including all transportation, lodging and meals. (and my wife wanted the higher end lodges with 24/7 power and water)
That strikes me as an excellent deal.
by TravelGeek
Mon Apr 22, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: I'm evaluating Quicken 2019 vs Personal Capital
Replies: 10
Views: 719

Re: I'm evaluating Quicken 2019 vs Personal Capital

Ironically, Mint--Intuit's free product--has no issues with any of these accounts (except for occasional access issues that they usually post a notice about). But the paid product was a trainwreck. Intuit doesn’t actually own/develop Quicken anymore. They sold it in 2016. https://www.pcworld.com/ar...
by TravelGeek
Mon Apr 22, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 52
Views: 2732

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

My guess is that coalcracker is a green card holder, not yet a citizen. In which case, AFAIK, there are two potential problems with long term stays abroad: - permanent resident status might be lost - ability to apply for citizenship might be negatively impacted if applicant spent too much time out ...
by TravelGeek
Mon Apr 22, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 52
Views: 2732

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

I'm not an expert, but I know you can stay 90 days in the EU before you must leave. I have heard of people staying in the EU countries for 90 days and then hitting Croatia. https://thesavvybackpacker.com/long-term-travel-europe/ Nitpick alert: :) I am not an expert either, but I think the 90 day ru...
by TravelGeek
Sun Apr 21, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Yubikey
Replies: 12
Views: 1074

Re: Yubikey

Are any of the password apps (Lastpass, 1Password, etc.) compatible with both macOS and Windows? I have mainly macOS computers, but my work computer (which I sometimes use to access personal sites) is Windows 10. 1Password is compatible with MacOS, Windows, Android and iOS. Oh, and apparently Linux...
by TravelGeek
Sun Apr 21, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: State-Level Estate Taxes
Replies: 8
Views: 455

Re: State-Level Estate Taxes

So instead of a DNR directive I should have a “medevac me to Texas” directive? :shock: No. Estate tax liability does not stem from the geographic location where death happened to occur. It is determined by the domicile/residency status of the deceased at time of death. (E.g., I am a resident of NY....
by TravelGeek
Sun Apr 21, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1432

Re: Apple Air

So what did rhusky mean by wireless? Light weight. Wireless. No disk drive. No CD. Not sure. My MacBook Pro has wireless, no (spinning) disk drive, no CD. My very first iPad (model 1), bought on the day it was released in April 2010, had WiFi. So then, what does the "Air" designation designate? To ...
by TravelGeek
Sun Apr 21, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: State-Level Estate Taxes
Replies: 8
Views: 455

Re: State-Level Estate Taxes

The estate of the deceased is taxed, not the recipient of the bequest. In your example, estate taxes are paid to NY State based upon the assets of the dear departed. https://www.bogleheads.org/wiki/Estate_and_inheritance_tax No, the reverse. Decedent died in Texas. Gill Ah yes, you are right, I mix...
by TravelGeek
Sun Apr 21, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1432

Re: Apple Air

bertilak wrote:
Sun Apr 21, 2019 4:33 pm
So what did rhusky mean by wireless?
rkhusky wrote:
Sun Apr 21, 2019 2:29 pm
Light weight. Wireless. No disk drive. No CD.
Not sure. My MacBook Pro has wireless, no (spinning) disk drive, no CD. My very first iPad (model 1), bought on the day it was released in April 2010, had WiFi.
by TravelGeek
Sun Apr 21, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

Right. To add detail, Business Class is mainly an international product and Business Class in Europe doesn't mean the same thing as International Business Class. First Class on international flights is a completely different thing from First Class in the US. Domestic US basically divides between Fi...
by TravelGeek
Sun Apr 21, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

VictoriaF wrote: I used to ignore hotel points, because I stayed either in conference hotels, over which I didn't have a choice, or in hostels. Then I started staying at airport hotels the nights before early flights to avoid early rising, and hotel points became of practical value. Smart lady. Bot...
by TravelGeek
Sun Apr 21, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1432

Re: Apple Air

OK, thanks! Makes sense. I already had the vague idea it had something to do with WiFi. WiFi is probably less of a distinction now-a-days. Now pretty much anything that is networked supports WiFi. At least in the home consumer market. I don’t think it has anything to do with WiFi. Every iPad ever m...
by TravelGeek
Sun Apr 21, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1432

Re: Apple Air

The Airs are the lighter (more portable) versions of the Macbook and iPad product lines.
by TravelGeek
Sun Apr 21, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 3801

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary. This is simply wrong. And also not helpful for the OP. I can get that some people don’t like cruises. In fact, there is probably no travel style that satisfies everyone's needs and desires. But the O...
by TravelGeek
Sun Apr 21, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 89
Views: 5476

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

DW and I have never been on a cruise and are a bit hesitant to be "stuck" on a ship if it is not working out or we get sea sick or anything else. I wish I could just have a tour of a cruise ship, walk around on it, see what it "feels" like. Not sure if a cruise ship company would allow this. Don’t ...
by TravelGeek
Sat Apr 20, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 89
Views: 5476

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

When you rented a car in New Zealand, did you buy full insurance, or just use the credit card insurance? You need to check the details on your credit card insurance since some countries may be excluded and often they are countries where they drive on the left. The list of excluded countries varies ...
by TravelGeek
Sat Apr 20, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3363

Re: Optimizing credit card airline points

From my quick googling, you can book round trip first class seat from LAX to SYD for 140,000 miles from Alaska Airlines. If you can find award space. You make it sound like it’s easy or guaranteed. I don’t think that is the case, but I would be happy to be corrected because I have a ton of Alaska m...
by TravelGeek
Sat Apr 20, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3363

Re: Optimizing credit card airline points

But a Qantas card is an option. If you live in the US, it isn’t an option, as far as I know. No bank issues one. But you can either collect points via card from other airlines that partner with Qantas or use flexible bank points “currency” to transfer to a Qantas account. Note also that there are o...
by TravelGeek
Sat Apr 20, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3523

Re: Windows 7 end of support - Jan 14, 2020

Didn't realize using the term milk would get such a strong reaction. As a BH and though TSM a Microsoft stockholder, milking is a good business (and so is the related razorblade model). Buy the cow, sell the milk for as long as she produces, and if she lives a long and productive life, that much mo...
by TravelGeek
Sat Apr 20, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3363

Re: Optimizing credit card airline points

You don't have to be hardcore about it to get some benefit. I think this is very true and worth repeating. The topic of this thread (and question of the OP) is “optimizing credit card airline points”. Optimization is very difficult and time consuming, but for a lot less effort/time you can improve ...
by TravelGeek
Sat Apr 20, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3523

Re: Windows 7 end of support - Jan 14, 2020

If OS providers supported every OS version "for free" forever, an OS license would cost three hundred million dollars (give or take). Well, they could also just build better quality products to begin with :) As a software engineer, I am often embarrassed by the quality of products delivered to payi...
by TravelGeek
Sat Apr 20, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3523

Re: Windows 7 end of support - Jan 14, 2020

"Milked?" That's like saying someone is getting milked for repairs on a 14-year-old car whose warranty expired in 2008. The difference, to me at least, is that car maintenance generally deals with wear and tear of a mechanical product while all those security fixes over the 10 year lifetime of Wind...
by TravelGeek
Fri Apr 19, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3363

Re: Optimizing credit card airline points

Turkish Airlines Miles & Smiles expire after three years, Southwest's points expire after 24 points of no activity, but Delta's and JetBlue's points/miles do not expire. The downside of the ones that don't expire is the programs tend to devalue as time goes on I haven’t seen a single program where ...
by TravelGeek
Fri Apr 19, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3363

Re: Optimizing credit card airline points

However, I am interested in using points to upgrade to Business and First Class, so... Isn't the task of pursuing upgrades (using points) from coach different from the task of pursuing business and first tickets (using points directly)? I don’t know, but if anyone can weigh in on the issue that wou...
by TravelGeek
Fri Apr 19, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3363

Re: Optimizing credit card airline points

Diversify. Build a portfolio of flexible currency points (Chase UR, Amex MR, Citi TY) which enable you to transfer into various airline programs based on where you find award availability for your trips. Learn the redemption rules and alliance partnerships or find help booking awards.
by TravelGeek
Thu Apr 18, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5294

Re: Bogleheads privacy warning

True, but I wouldn't use a VPN that keeps such logs. Of course, I am not able to verify that personally and have to take their word for it. My provider claims they keep no logs whatsoever. My current provider, PureVPN, claims to only keep a session log. (that, I think, could already allow for mappi...
by TravelGeek
Thu Apr 18, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Home Page for Your Computer:
Replies: 17
Views: 1175

Re: Home Page for Your Computer:

Surprised no one has suggested

https://www.bogleheads.org/index.php

:)

(“empty” browser window here. I don’t want to be side-tracked by something when I open a browser to do something)
by TravelGeek
Thu Apr 18, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5294

Re: Bogleheads privacy warning

Using a VPN would render IP logging useless. The site has your email address, so that could potentially be used to identify you, but I don't think that would be easy (for an individual, not the government). It’s a level of indirection. Unless the VPN provider does not retain any session records, wh...
by TravelGeek
Thu Apr 18, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5294

Re: Bogleheads privacy warning

Not only is everything indexed by google, but your postings and search stuff are stored and resolved by IP address. I think these folks resolve by getting access to DNS or service providers. It all gets tied together more than you think. The servers for this site will have logs that include the IP ...
by TravelGeek
Wed Apr 17, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2691

Re: Insurance Advice after bicycle accident

Maybe this varies locally, but my experience here in PA is both of these are pretty common here...police write tickets for incidents they did not witness and liability insurance commonly pays out when no ticket is issued. Our family has experience in both of these areas. Indeed seems to be dependin...
by TravelGeek
Wed Apr 17, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2691

Re: Insurance Advice after bicycle accident

The other cyclist made an illegal maneuver which started the chain reaction. He tried passing the car over double solid yellow lines. The car hit the other cyclist, then his brakes hard and did a small swerve, my wife hit the trunk of the car and went over it. So your wife damaged the car? In a sit...
by TravelGeek
Wed Apr 17, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

It seems the industry is pushing new high falutin' cards with $450 annual fees. I can't imagine what these could do for you? Wonder if any BHers have experience with these? You need to look at the benefits you get for those $400-550 and decide if they make sense for you. Often there is travel credi...
by TravelGeek
Wed Apr 17, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1429

Re: microwave that doesnt beep forever?

We have a Sharp MW that has a "Custom Help" button that provides access to a sound on/off feature.
by TravelGeek
Wed Apr 17, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2691

Re: Insurance Advice after bicycle accident

The other cyclist made an illegal maneuver which started the chain reaction. He tried passing the car over double solid yellow lines. The car hit the other cyclist, then his brakes hard and did a small swerve, my wife hit the trunk of the car and went over it. So your wife damaged the car? In a sit...
by TravelGeek
Wed Apr 17, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Question on compromised credit cards
Replies: 20
Views: 1152

Re: Question on compromised credit cards

This is one of the reasons why I refuse to use a debit card for anything, ever. Same here. Just a couple of weeks I noticed a charitable contribution of $793 on my brand new Arrivals+ card. Card replaced, amount refunded. And then a month ago I noticed a weird $7.99 debit on my Ally checking accoun...
by TravelGeek
Wed Apr 17, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question on compromised credit cards
Replies: 20
Views: 1152

Re: Question on compromised credit cards

Do you get paper statements? That's an easy route to compromise if somebody 'borrowed' your snail mail. I haven't gotten paper statements in many years, but as I recall, my banks didn't print full account numbers on the statement even then. And certainly not expiration dates and CVC. I think there ...
by TravelGeek
Wed Apr 17, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: Career Advice: Is active management really dying?
Replies: 28
Views: 3122

Re: Career Advice: Is active management really dying?

I have no dobut that I would be an ethical, hardworking and knowledgeable advisor, but that doesn't change the fact that fewer and fewer people want to pay for Financial Advice, and I do believe in passive index funds for the typical investor (although not for everyone). What level of AUM fees are ...
by TravelGeek
Tue Apr 16, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Jury Duty questions
Replies: 20
Views: 2066

Re: Jury Duty questions

You should have a valid excuse for postponement. (of course, rules vary from court to court)

Call your court clerk?
by TravelGeek
Tue Apr 16, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2302

Re: Trip to Central Asia. Do you need a CC?

Trusting an 18 year-old on a trip like this would give me pause. There's a part of a young person's brain that doesn't fully develop until about age 25: the area of "sober second thought." It's the "wait a minute, lets think this through" process when a person is about to do something foolish. Not ...
by TravelGeek
Tue Apr 16, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5957

Re: What defines "income" on a retiree's credit card application?

Flobes wrote:
Tue Apr 16, 2019 3:39 pm

I replied: if on a whim I want to take a trip around the world, for $100k,
and charge it to the card, my $100k is there, no problem, no fuss.

He said he'd talked to his supervisor.

By day's end, I was approved for the card.
With a $100k credit limit? :D

Also, did you take the trip yet?
by TravelGeek
Tue Apr 16, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5957

Re: What defines "income" on a retiree's credit card application?

Why not just get a debit card? For someone who pays their card balance every month, a debit card would be fine. Three reasons for me: 1. you presumably pay at least 2% more than someone who uses an award credit card (and pays off the balance every month). 2. The money comes straight out of your che...
by TravelGeek
Tue Apr 16, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

Why wait until financial independence? I was wondering if people with financial independence might no longer be interested in such small amounts of money. I still pick up pennies (if they don’t look too dirty) Basically, miles/points allow me to buy better travel experiences than I would otherwise ...
by TravelGeek
Mon Apr 15, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

For those who've earned high 4- or 5-digit bonus, do you discriminate against Discover or AMEX due to less number of stores accept them? We've never had any Discover cards, so we don't really know anything about them (where they are accepted, what perks). But we use Amex a lot, too. We have an Amex...
by TravelGeek
Mon Apr 15, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5957

Re: What defines "income" on a retiree's credit card application?

Also, why would you ever need to apply for a credit card in retirement? I have never heard of this. Not sure if this is a serious question, but if it is, read this parallel thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=278863 And for more info, this mega thread: https://www.boglehea...
by TravelGeek
Mon Apr 15, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

Why wait until financial independence? I was wondering if people with financial independence might no longer be interested in such small amounts of money. I still pick up pennies (if they don’t look too dirty) Basically, miles/points allow me to buy better travel experiences than I would otherwise ...
by TravelGeek
Mon Apr 15, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

https://www.doctorofcredit.com for me is the most painless way to discover new/current deals. Unlike many other blogs, it doesn’t have editors that personally benefit from referral offers, so they don’t hawk cards that may be at least as beneficial to them as to the applicants. https://millionmiles...
by TravelGeek
Mon Apr 15, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6420

Re: After financial independence, do you play credit card bonus games?

What site do you use to find new deals? I used to check flyertalk but it has become very hard to navigate. Plus there are too many forums/posts to read through about each card.. Is there one good site that summarizes the relevant bits? https://www.doctorofcredit.com for me is the most painless way ...