Search found 2282 matches

by TravelGeek
Mon Oct 22, 2018 1:52 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 77
Views: 3954

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: 19
Views: 1379

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: 4758

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: 1501

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: 1501

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: 4758

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: 1501

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: 1501

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: 262
Views: 21250

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: 967

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: 2016

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: 4130

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: 851

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: 262
Views: 21250

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: 3919

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: 349

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: 576601

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: 1115

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: 1505

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: 1505

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: 1337

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: 576601

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: 1337

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: 1678

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: 1678

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: 1337

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: 68
Views: 13195

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: 733

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: 733

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: 286

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: 5083

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: 576601

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: 576601

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: 2055

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: 3719

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: 2685

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: 1794

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: 68
Views: 13195

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: 3937

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: 576601

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: 3446

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...
by TravelGeek
Tue Oct 02, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3893

Re: Tipping

Jags4186 wrote:
Tue Oct 02, 2018 7:57 am
My wife gives in home piano lessons to beginner children. She travels to your house and for $25 she teaches for 30 minutes. She never gets tipped.
Yeha, I never tipped any of my teachers either :twisted:
by TravelGeek
Tue Oct 02, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 15
Views: 2485

Re: Playing with FIRE(Financial Independence) documentary trailer.

SoAnyway wrote:
Tue Oct 02, 2018 3:29 am
These types of things make money for the guy in front of the camera and those providing financial backing, at the expense of those watching.
Isn’t that how the movie business works?
by TravelGeek
Mon Oct 01, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1345

Re: Airline shortened layover

Most airlines have policies that allow the customer to change their flight arrangements free of charge in event of a schedule change. I would figure out a couple of preferred alternatives and then call the airline and arrange new flights. The schedule change needs to be material. Different airlines...
by TravelGeek
Mon Oct 01, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1345

Re: Airline shortened layover

This (and similar threads) might help:

https://www.flyertalk.com/forum/other-e ... kef-2.html
by TravelGeek
Sun Sep 30, 2018 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4616

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

Yes, I am also a Flagship client and VG is not bothering me to convert and I doubt if they ever will. And if they do no big deal. Ditto I don’t recall them ever asking me to convert. I have not looked into the pros and cons and would likely want to take my time to understand it better. No “religiou...
by TravelGeek
Sun Sep 30, 2018 10:42 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: 68
Views: 13195

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

car733 wrote:
Sun Sep 30, 2018 6:45 pm
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.
by TravelGeek
Sun Sep 30, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6714

Re: Why is Home Part of NW

Again, don't confuse investable assets with the ability to retire. It gets a lot of press around here, but a combination of things such as Social Security, pension, annuity payouts, and rental income, for instance, could be enough to enable one to retire very well with no investable assets (in the ...
by TravelGeek
Sun Sep 30, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6714

Re: Why is Home Part of NW

What does Net Worth have to do with your ability to retire next year? Very little. What actually matters is: your level of Investible Assets... What actually matters is the level of investable assets in relation to expenses. I could increase my level of investable assets by selling our home (owned ...