Search found 2290 matches

by TravelGeek
Tue Oct 23, 2018 3:09 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 8
Views: 422

Re: What do you spend your money on outside of expenses and investments?

Travel and geek (tech) stuff. And coffee. Lots of coffee.
by TravelGeek
Tue Oct 23, 2018 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 26
Views: 2147

Re: Should I sell or rent out my bay area house?

We left three years ago. Decided to sell because we didn’t want to be remote landlords and were not expecting to return. And we also thought then that the prices were insane; the bidding process was a very bizarre experience for us (first time home sellers). “Really? They want to give us THAT MUCH m...
by TravelGeek
Tue Oct 23, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 8
Views: 383

Re: Hulu & NBC

What does antennaweb.org tell you about the OTA signal strength at your address?
by TravelGeek
Mon Oct 22, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 19
Views: 1757

Re: Vanguard, Costco, Coursera...

I don't know how Sears lost it way. I guess really bad management. But the one thing I can't buy from Amazon is gasoline. And I only buy from Amazon if I can't find what I want anywhere else, even if it cost more. Bad management would be my guess, especially in years. I have never actually lived ne...
by TravelGeek
Mon Oct 22, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 25
Views: 1435

Re: Canada Goose Jacket

We rented them for a few days when we went to Yellowknife for northern light watching (and general exploring of the area at -37F). Big, bulky and lovely warm :)
by TravelGeek
Mon Oct 22, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 125
Views: 7048

Re: Quitting w/o notice

Yeah, I take references with a grain of salt. Who would be dumb enough to provide a "bad" reference. The same people who think they are clearly above average when they aren’t? :twisted: https://en.m.wikipedia.org/wiki/Illusory_superiority#Academic_ability_and_job_performance I have had former emplo...
by TravelGeek
Mon Oct 22, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 125
Views: 7048

Re: Quitting w/o notice

Maybe it's the market I'm in but this is what I know of the norm... Former directors cannot give recs to past employees, employer will confirm dates & roles held only . My former employer’s policy was: 1. Employer will only give employment dates as “reference” 2. Managers are not allowed to provide...
by TravelGeek
Mon Oct 22, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 113
Views: 8095

Re: PSA: Don't buy a big house

Lots of replies touting the life expectancy of LED bulbs, are you guys working for these companies that manufacture them? My new home was finished a year and a half ago. I've already had to replace some burned out recessed LED can lights. I got a laugh when the new ones showed up and packaging clai...
by TravelGeek
Mon Oct 22, 2018 1:52 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 125
Views: 7048

Re: Quitting w/o notice

BUT at my company they were doing layoffs like crazy in 2017 and they did not give those people 2 weeks, just walked them out sameday, so it goes both ways. My (former) megacorp employer does not give two weeks notice when RIFing people in the US. But they pay severance. Are you suggesting people w...
by TravelGeek
Sat Oct 20, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 20
Views: 1492

Re: Credit card claim for rental car collision?

I am planning on a 5 week car rental for an upcoming winter vacation. I am wondering if anyone can give me their experience with making a credit card claim after a rental car collision. How easy (or difficult) was it? Did they actually cover well? What do I need to keep in mind? A couple of comment...
by TravelGeek
Sat Oct 20, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 4842

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

There is a lot of misinformation in this thread. PTO is different than vacation. Vacation is paid out while PTO is not. There may be slight differences depending on locality but this is how is works in most locales. My megacorp merged with another one. Our policies were the surviving policies. For ...
by TravelGeek
Fri Oct 19, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1517

Re: How important is registered mail for important documents?

We sent sensitive documents to our local Social Security office 6 weeks ago by certified mail and have proof of delivery. SSA never processed them and told us when we called that they have no record of receipt or the action requested by mail in their computer system, that they would have processed ...
by TravelGeek
Fri Oct 19, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1517

Re: How important is registered mail for important documents?

Something like COBRA documents, if lost, can easily be reprinted and mailed. I assumed the OP was talking about something like a deed or title or something like that. If you lose something like that, it can be a long process. Yes, they aren’t valuable or irreplaceable and can be reprinted. The pote...
by TravelGeek
Fri Oct 19, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 4842

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

One of my former employers always zeroed out accrued vacation at year end so that it didn't have to book the accrued vacation expense on the books. A lot of companies at least in my industry and geography (Silicon Valley) appear to be transitioning to an flexible vacation policy (often incorrectly ...
by TravelGeek
Fri Oct 19, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1517

Re: How important is registered mail for important documents?

All the big delivery companies make mistakes. I wouldn't base what I do on a few anecdotes. I've had issues with UPS, Fedex and USPS over the years. That’s pretty much my point and why I wouldn’t ”splurge for FedEx” “if it is that important”. Businesses that send important documents tend to use Fed...
by TravelGeek
Fri Oct 19, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1517

Re: How important is registered mail for important documents?

I usually send important things by "certified" mail - with return receipt. Then, I get the card back with a signature of someone receiving it. Less costly than registered. That is what I did with my recent COBRA paperwork. It isn’t difficult to replace or valuable, but I want to make sure that it g...
by TravelGeek
Fri Oct 19, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23156

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Just curious, where did you identify this offer as it does not appear on the Ally home page? I saw it on the Doctor of Credit site shortly before it appeared here. I scan DoC as part of my morning routine. I was pretty sure, though, that it would be posted here as well, as with most/all good CD off...
by TravelGeek
Thu Oct 18, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Namibia question
Replies: 11
Views: 978

Re: Namibia question

Does a trip of 7-10 days make sense (we would be coming from South Africa in this case, adding on to some work travel) and will it seem rewarding compared, say, to a drive through Kruger? I have little knowledge of what to expect, having seen the otherworldly photography that is on the web but know...
by TravelGeek
Thu Oct 18, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2027

Re: Retired applying for credit cards

None of these list drawdown of savings or taxable investments. Certainly, an applicant could be more aggressive based on what they could derive annually by drawing down their portfolio, but I am going to try to avoid doing this myself because I don't want to spend the time and energy to argue the p...
by TravelGeek
Tue Oct 16, 2018 2:47 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4142

Re: Relocation to California

Until quite recently lived in Lost Angeles for over 30 years. I think I know a thing or two about it. I'd characterize it as a living hell. Ok, so unless you were incarcerated for over 30 years, I just have to wonder what forced you to stay in “living hell” for all that time... :twisted: I will adm...
by TravelGeek
Tue Oct 16, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: Press Release 10/15/18--Fidelity Launches New Company Fidelity Digital Assets
Replies: 2
Views: 852

Re: Press Release 10/15/18--Fidelity Launches New Company Fidelity Digital Assets

When I saw the thread title, I thought they started a company for their FidSafe digital vault offering.

https://www.fidelity.com/mymoney/fidsafe
by TravelGeek
Mon Oct 15, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23156

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I am wondering why this is not considered as a kind of market timing? https://en.wikipedia.org/wiki/Market_timing "Market timing is the strategy of making buy or sell decisions of financial assets (often stocks) by attempting to predict future market price movements." There is no attempting to pred...
by TravelGeek
Mon Oct 15, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3947

Re: How Much Is Your Sewer Bill?

Annoying that they meter the water and charge sewer based on water usage. Of course, all the water does not go down the drain, such as washing a car, watering the lawn, etc. I saw someone above has a separate meter for water that does not go down the drain. Seems like a good idea, but for our light...
by TravelGeek
Mon Oct 15, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 352

Re: looking for light weight smart phone

I don’t think it is a good solution for the OP (since it requires a main (larger) phone)... but I just came across this story about a new Palm branded lightweight and small companion smartphone: https://www.theverge.com/2018/10/15/17974850/new-palm-smartphone-android-lifemode-time-well-spent-verizon...
by TravelGeek
Thu Oct 11, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576789

Re: What's Your Credit Card Rewards Strategy?

Nice, wish I had an OfficeMax or Office Depot near me! Just checked, nothing even close :( Thanks for the tip, will need to keep an eye out for store openings ... Or buy some if you travel to an area that does have the brick and mortar stores. I use my Ink Cash card at Staples to generate 5x UR for...
by TravelGeek
Wed Oct 10, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1119

Re: Do you use your own cards for work travel?

My megacorp required use of corporate travel booking system for all travel arrangements, using either central billing (shadow Amex card) or employee’s corporate Amex card. Personal card (or cash) use was prohibited except when Amex was not an accepted payment method. And, the Amex card couldn’t be e...
by TravelGeek
Wed Oct 10, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Between Jobs: Obamacare vs COBRA?
Replies: 30
Views: 1510

Re: Between Jobs: Obamacare vs COBRA?

- How do I find out the COBRA plan costs? My employer health insurance costs $120+/mth, so I'm guessing it's $500/mth unsubsidized? ACA is $250-350/mth. Most employers pay close to 90% of insurance cost, your cost will likely be $1,200 or higher a month. COBRA cost is $1300 for my EPO plan, coverin...
by TravelGeek
Wed Oct 10, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Between Jobs: Obamacare vs COBRA?
Replies: 30
Views: 1510

Re: Between Jobs: Obamacare vs COBRA?

I think most employers are required to put the total cost on W-2s at the end of the year. You might want to look on your W-2 from last year. Then add maybe 8% for an YOY increase and 2% for admin costs that they are allowed to charge you. Yes, box 12, code DD. I just came back from mailing my COBRA...
by TravelGeek
Tue Oct 09, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1338

Re: Smarthome system that is local

There is no way to use Wemo without providing your ssid and password. One way to solve that dilemma is to set up a secondary IoT network that is only used by less trusted devices such as these Wemo controllers. You mentioned that Wemo doesn’t work with guest networks (because of a login page?). A s...
by TravelGeek
Tue Oct 09, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576789

Re: What's Your Credit Card Rewards Strategy?

Would it make sense to have the CSR + CFU combo if I'd be spending 20k/year on the CFU for general spending but only about 3-4k on the CSR for travel and dining? I'm guessing this would be 40k UR points a year, but not sure how that would compare to the ~$500 per year cash back I normally get from ...
by TravelGeek
Tue Oct 09, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1338

Re: Smarthome system that is local

I just installed Samsung Smartthings in an AirBnB. I added z-wave light switches to all public lighting (kitchen, hall, laundry, mudroom, living room, porch lights). Lack of outside internet connection can limit your ability to do things. Agreed. My plan is to make the smarthome system accessible t...
by TravelGeek
Tue Oct 09, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1683

Re: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

I had a rental company try that with me. I produced my video walk-around of the vehicle from before taking possession - and was able to catch them in their attempt to falsely charge my insurance - crooks. Most rentals in the US are so dinged up that I don’t bother unless there is major damage, not ...
by TravelGeek
Tue Oct 09, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1683

Re: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

mentioned right after -- Imposed and substantiated by the auto rental company.. no different from the clause "reasonable and customary" in the next sentence. No personal experience, fortunately, but there are plenty of stories you can probably find online (say, Flyertalk) where “substantiated” mean...
by TravelGeek
Tue Oct 09, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1338

Re: Smarthome system that is local

Check out Home Assistant https://www.home-assistant.io/ One of my upcoming “FIRE” projects is to explore the use of home assistant with a few Z-Wave devices/sensors. My desire for a local solution is driven both by privacy concerns and by the need to control my own destiny: I don’t want to buy or b...
by TravelGeek
Mon Oct 08, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13464

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Just checked my library approved my purchase suggestion and I will get it automatically put on hold for me once they receive it.
by TravelGeek
Mon Oct 08, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 734

Re: UPS mailbox experiences?

Keepcalm wrote:
Mon Oct 08, 2018 11:40 am
Believe you have to be a resident?
What's the definition of resident (for the USPS) other than that you receive mail at the address?
by TravelGeek
Mon Oct 08, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 734

Re: UPS mailbox experiences?

You receive THEIR street address and they sort your mail. They do not issue a P.O Box or other Box # address which sometimes complicates applying for credit etc. I thought they all issue Box #s. How do they deal with naming conflicts? Do they only accept business from one John Smith at a time? ;)
by TravelGeek
Mon Oct 08, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1219

Re: Death Valley Trip Recommendations?

We stayed at the Furnace Creek Ranch about ten years ago. We picked the motel style accommodations because we weren't there to spend a lot of time in our room. The price was reasonable for Memorial Day weekend (127 degree weather), and the location is great for exploring the valley. Looks like it's ...
by TravelGeek
Mon Oct 08, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Venture vs JetBlue (which to cancel?)
Replies: 5
Views: 287

Re: Venture vs JetBlue (which to cancel?)

Need to tell us more about your travel patterns and how much you are using each card (and for what spending) to get more accurate advice. Agreed. We also don’t know what other cards the OP has. In my “fleet” of credit cards every one of them needs to serve a purpose to keep its spot. A card with AF...
by TravelGeek
Sun Oct 07, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5118

Re: can i start a private investment firm?

If you're not a financial analyst or advisor, why do you feel you're qualified to do this? Realistically, are any of these guys really "qualified"? We all know they're just salespeople. Any? I think there are indeed qualified financial advisors who are not (or just) salespeople. I personally don’t ...
by TravelGeek
Sun Oct 07, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576789

Re: What's Your Credit Card Rewards Strategy?

TravelGeek - I forgot to include gift card spend in the 5x category. I actually used this primarily to hit the minimum spend (mostly Shell gift cards) but now since that is met, I have mostly given up on the 5x gift card spend. The nearest Staples is not really conveiently located and all of the re...
by TravelGeek
Sun Oct 07, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576789

Re: What's Your Credit Card Rewards Strategy?

This has been a very interesting thread to follow. My credit card strategy is fairly simple (I think in relative terms to what I’ve read here lol): 1. Chase Sapphire Reserve - 3x on travel and dining 2. Chase Ink Cash - 5x on AT&T cell phone bill and 2x on gas 3. Chase Freedom Unlimited - 1.5x on e...
by TravelGeek
Sun Oct 07, 2018 12:46 am
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2067

Re: How much interest do I owe if I don't pay credit card balance in full?

Becasue credit card interest should follow standard practices that anyone should understand. Since I always pay my balance in full before the due date, I see no need for me to understand the exact calculation of interest that won’t apply to me. (and yes, I do see the irony of me reading this thread...
by TravelGeek
Sat Oct 06, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3735

Re: Should I take a pretty big pay cut to become a diplomat?

A friend of mine made that decision about 20 years ago. It was a significant life style change, but he is very happy with his choice.
by TravelGeek
Sat Oct 06, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: October Bogleheads On Investing Podcast with Dr. David Blitzer
Replies: 23
Views: 2696

Re: October Bogleheads On Investing Podcast with Dr. David Blitzer

I listened to the 2nd episode on the way home from the BH conference and learned a lot about indexes. Thank you for providing inflight education. :)
by TravelGeek
Fri Oct 05, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Jack Bogle’s Bogleheads Keep Investing Simple. You Should Too.
Replies: 12
Views: 1800

Re: WSJ: Jack Bogle’s Bogleheads Keep Investing Simple. You Should Too.

retiringwhen wrote:
Fri Oct 05, 2018 3:05 pm
At the BH Conference, Jack was asked the same question today.

Jack's answer was almost verbatim to the WSJ quote.
I bet that's because the article is about the same conference. :D
by TravelGeek
Fri Oct 05, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13464

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Kindle pre-order: $23.50 Hardcover pre-order: $16.48 2018 and some books kindle version are more expensive than the hardcover :annoyed I guess an example of product price not being determined by the cost of producing it. Now the kindle price is $13.49 and the hardcover is $16.48 :wink: Wonder what ...
by TravelGeek
Fri Oct 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3966

Re: Black suit with dark brown shoes?

dknightd wrote:
Thu Oct 04, 2018 9:24 pm
Just skip the black tie dinner.
That would be my solution to the problem :)
by TravelGeek
Thu Oct 04, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576789

Re: What's Your Credit Card Rewards Strategy?

I'm not sure I'll do that again though. Bought a $200 home depot gift card which netted $12. For me the $12 wasnt worth having to carry it around for months and worrying about losing it until I finally used it up Yes, the only gift cards I buy are ones that I can immediately use or load into an acc...
by TravelGeek
Wed Oct 03, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3458

Re: Remember traveler's checks? How to cash a forgotten stash

Do you ever owe any federal or state taxes? Use them to pay your income taxes and let the federal or state government figure it out. Or maybe they will just refuse to accept them (it doesn’t say “legal tender” on them, right?) and fine you for missing a payment deadline? :) Now if you will excuse m...