Search found 2016 matches

by TravelGeek
Tue Jul 17, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530857

Re: What's Your Credit Card Rewards Strategy?

Apologies, typo I have he preferred not the reserve - and also, I’ve had many friends use Scott’s cheap flights and I’ve found them to be useful also, so that’s where I find most of my deals regarding airfare. OK, so 2X instead of 3X on travel and dining... I would still put those expenses on the C...
by TravelGeek
Tue Jul 17, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Travel to Mainland China - Cyber Security
Replies: 25
Views: 1858

Re: Travel to Mainland China - Cyber Security

Pump the brakes. Just because he might not be the CEO of a MegaCorp doesn't mean that he doesn't want (potentially) state-run malware on any electronic device that he brings into the country. (...) "If one would give me six lines written by the hand of the most honest man, I would find something in...
by TravelGeek
Tue Jul 17, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 13
Views: 864

Re: Unclaimed property

I just made $1. I am rich! I will put in my notice today and retire within two weeks. Cash Reported: $0.51 Reported By: GOOGLE PAYMENT CORPORATION Edit: and retirement will be very comfortable; just searched for my wife: Cash Reported: $0.10 Reported By: CHASE BANK USA N.A. (300056) :sharebeer Joke...
by TravelGeek
Tue Jul 17, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530857

Re: What's Your Credit Card Rewards Strategy?

Earn 4x at Hyatt hotels (including participating restaurants and spas) Earn 2x on local transit and commuting, including taxis, mass transit, tolls and ride-share services Earn 2x at restaurants, cafes, and coffee shops Earn 2x on airline tickets purchased directly from an airline Earn 2x on fitnes...
by TravelGeek
Tue Jul 17, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 124
Views: 7295

Re: Why own a bed?

My vote for silliest is "How Long to Keep a Kitchen Sponge". https://www.bogleheads.org/forum/viewtopic.php?t=210945 At least a bed costs more than a dollar. :twisted: Is there a thread that helps me decide whether it is worth spending a dollar on a kitchen sponge when there are cheaper ones availa...
by TravelGeek
Mon Jul 16, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3552

Re: Are Credit Cards Actually Convenient?

On a trip to Austria a couple years ago, my card was declined by multiple merchants. I suspect this was an issue with the compatibility of the European chip-and-pin system with the American chip-and-signature system at the time, as the rejection was happening on the merchants's end (my cc company w...
by TravelGeek
Sun Jul 15, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3552

Re: Are Credit Cards Actually Convenient?

Another “no, this is not normal” answer from me.
by TravelGeek
Sat Jul 14, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530857

Re: What's Your Credit Card Rewards Strategy?

I just received a targeted application for Amex Premier Rewards Gold Card.50K signup bonus. I used to have this card, and cancelled over a year ago. My recollection is that Amex has a once in a lifetime policy for a bonus card, but I don't see that language in the T&C. Does this mean I can apply an...
by TravelGeek
Fri Jul 13, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 996

Re: Amex in Europe

OP - take all three credit cards (more, if you have more). A credit card weighs between 5 and 12 grams, so it isn’t going to cause you to exceed your baggage allowance and it never hurts to have a spare (kept separately from the primary) in case a card gets stolen, damaged or lost. Then see for your...
by TravelGeek
Fri Jul 13, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 996

Re: Amex in Europe

While it's true that most car rental places in Europe will take AMEX, OP would still be better off using his Chase Sapphire Reserve card for car rentals (if applicable) as it provides primary coverage unlike AMEX which provides secondary coverage; you'd need to pay extra for primary with AMEX throu...
by TravelGeek
Thu Jul 12, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10251

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Thu Jul 12, 2018 2:01 pm
“Talking Bogleheads”

has a nice ring to it.
That was going to be my suggestion as well, but obviously I am way late due to work commitments. In any case, I am looking forward to it. Can never have enough podcasts on my list.
by TravelGeek
Thu Jul 12, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10251

Re: COMING SOON: BOGLEHEADS PODCASTS

I'm especially partial to the Get Rich Slowly one, which I think is very catchy and really captures a lot of what being a typical Boglehead is about. Unfortunately Get Rich Slowly is also the title of a rather popular investing blog/websíte by JD Roth. https://www.getrichslowly.org I don’t know if ...
by TravelGeek
Thu Jul 12, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 2878

Re: Trade War: time for Mac Upgrade?

I keep computers for four-six years. Large parts of Apple's current laptop and iMac lineup hasn't been refreshed since June 2017. Given my preferences to stretch four to six years out of a computer purchase personally I would not buy something that is already a year old. If, however, you'd be OK wi...
by TravelGeek
Thu Jul 12, 2018 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Compensation
Replies: 21
Views: 3514

Re: Compensation

limeyx wrote:
Thu Jul 12, 2018 12:10 am
Public (US) companies have to report median salary now. Definitely not perfect but one more data point
Yes, I just came across this story earlier today:

https://www.bizjournals.com/memphis/new ... ebook.html
by TravelGeek
Wed Jul 11, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 44
Views: 2887

Re: Credit score after becoming debt free?

I have credit score analysis every month from my credit union. As my mortgage has been paid off for many years, and I have no other loans, my monthly score always says "no installment loan" under things hurting my credit score. I get my scores for free from various credit cards and they all seem to...
by TravelGeek
Wed Jul 11, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 2878

Re: Trade War: time for Mac Upgrade?

I have a 13” MBP of the same generation. I bought it with long term use in mind, so I got 16gb of RAM and 500 GB SSD. Latest OS. Very happy with it and no real reason to replace it. Bummer that YNAB feels the need to turn customers in a subscription revenue stream, but they are not alone in that. So...
by TravelGeek
Wed Jul 11, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530857

Re: What's Your Credit Card Rewards Strategy?

Marriott points will get a downgrade, but earning SPG points now before the merger will be advantageous. I've been earning as many SPG points as I can. Can you elaborate? https://thepointsguy.com/news/maximize-starpoints-before-marriott-spg-combine/ https://thepointsguy.com/guide/analyzing-terrible...
by TravelGeek
Wed Jul 11, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3387

Re: Car totaled by uninsured driver

I would put money on there being just as many unlicensed as uninsured drivers around here.. There is probably a significant overlap. Apparently about 13% of all motorists are not insured. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists For sure... As Ned Flanders thought, In...
by TravelGeek
Tue Jul 10, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3387

Re: Car totaled by uninsured driver

sco wrote:
Tue Jul 10, 2018 6:42 pm
I would put money on there being just as many unlicensed as uninsured drivers around here..
There is probably a significant overlap. Apparently about 13% of all motorists are not insured.

https://www.iii.org/fact-statistic/fact ... -motorists
by TravelGeek
Tue Jul 10, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5307

Re: Going solar?

barberakb wrote:
Tue Jul 10, 2018 12:19 pm
Lets see if this works.

Here is my quote.

(removed)
That appears to have your home address in it, so you might want to remove it.
by TravelGeek
Tue Jul 10, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5307

Re: Going solar?

barberakb wrote:
Tue Jul 10, 2018 11:04 am

I think my electricity currently costs 11.87¢/kWh / no idea if that is good or not
About a penny below national average it seems. See

https://www.eia.gov/electricity/monthly ... epmt_5_6_a
by TravelGeek
Tue Jul 10, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3597

Re: Auto Tariffs: time to buy?

OP, are you sure a Harley won't work for you?

(I have seen a family of seven on a motorcycle, though admittedly not in this country)

I second what the poster right above me just said: from what I have heard, the steel/aluminum tariffs might be something to watch.
by TravelGeek
Tue Jul 10, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3387

Re: Car totaled by uninsured driver

Will the police do the work to "discover" that he was uninsured or should I contact them to let them know? I'm out my car and sounds like probably my deductible, but I'm more upset about the guy driving so unsafely though my neighborhood without insurance than anything. I would probably notify the ...
by TravelGeek
Mon Jul 09, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8297

Re: Amazon won't sell this book to me.

It may have been cheaper at Target anyway, but for future reference if there's one near you: Best Buy price matches Amazon (not third-party sellers though) and it is super painless. You just have to show them the listing on the Amazon app and the cashier takes care of it at the register. They don't...
by TravelGeek
Mon Jul 09, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8297

Re: Amazon won't sell this book to me.

I wonder if this is some sort of experiment with an obscure (sorry, OP) product to test how many people looking at the book could be motivated to sign up for Prime because of the desire to buy it.
by TravelGeek
Mon Jul 09, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: 3.01% 1-year CD
Replies: 7
Views: 2168

Re: 3.01% 1-year CD

How much money do you want to invest in this CD?
by TravelGeek
Mon Jul 09, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4490

Re: Article: Rich kids are counting on inheritance to pay for retirement

Some 17 percent think it could come from friends So the vast majority are not expecting friends to help them in retirement. Aha. So the article should be titled "SOME Rich Kids Are Counting On Inheritance to Pay for Retirement". SOME people have very wealthy friends or long-term partners, but most ...
by TravelGeek
Sun Jul 08, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

Any suggestions on what to tell/write as 'Occupation' when you are FI and working selectively? I currently mention IT Consultant - I am freelancing but may take a job/assignments/small business - whatever I can work on. I find this as a problem as people think you are lazy/unemployed - no one can f...
by TravelGeek
Sat Jul 07, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Virtual Boglehead Meeting #8: Education of an Index Investor by Rick Ferri
Replies: 2
Views: 724

Re: Virtual Boglehead Meeting #8: Education of an Index Investor by Rick Ferri

Agreed, thank you for posting this. I had “seen” the virtual meeting thread pop up occasionally, but never drilled into it. Now I am sad seeing the list of interesting topics I already missed :| :annoyed :shock: :happy

But at least I can watch the recording of the most recent one.
by TravelGeek
Sat Jul 07, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Finding an adviser for lower-income immigrant couple?
Replies: 13
Views: 1024

Re: Finding an adviser for lower-income immigrant couple?

The Schwab route might be the best idea, since there's a branch nearby. What index funds would be appropriate for a 60yo couple hoping to retire in 7 or 8 years? Like a target-date fund or a 60/40 stock/bond mix? They don't yet have an IRA, so I'll start them there. I'm happy to help them, but I'm ...
by TravelGeek
Sat Jul 07, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

Regarding the issue of definitions, it usually wouldn't matter to me. If a friend said they retired, even to be a stay home dad, I certainly wouldn't debate with them. I only engage in the debate when someone is clearly looking for notoriety when they use the word. This person is blogging and court...
by TravelGeek
Sat Jul 07, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5307

Re: Going solar?

I recently went solar, and spent a lot of time understanding the financial aspects. After rebates, the cost was about $21k and I estimate that it would return about $50k above and beyond this investment over the life of the panels. Some points to consider: 1. As some have mentioned, getting extra g...
by TravelGeek
Sat Jul 07, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ratings of free online retirement income calculators
Replies: 8
Views: 969

Re: Ratings of free online retirement income calculators

Am I missing something, or is there no detail on how the individual scores were derived? E.g., what specifically leads to a score of 1 for accuracy for Vanguard and Fidelity? Here are the reviews in more depth - https://www.thebalance.com/retirement-calculator-reviews-4061796 Thank you, BobK. Added...
by TravelGeek
Sat Jul 07, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4264

Re: Which advanced tech is necessary in cars?

I’m mostly referring to safety features like lane departure warning, automatic braking, blind spot monitoring, adaptive cruise control, etc. Anyone have these features and have really been grateful that they have them? We have these features and find them to be very helpful. This is based on extens...
by TravelGeek
Sat Jul 07, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Ratings of free online retirement income calculators
Replies: 8
Views: 969

Re: Ratings of free online retirement income calculators

Am I missing something, or is there no detail on how the individual scores were derived? E.g., what specifically leads to a score of 1 for accuracy for Vanguard and Fidelity?
by TravelGeek
Sat Jul 07, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 12
Views: 658

Re: Health insurance gap

During several periods between coverage, I always signed up for COBRA immediately. While it may be unlikely, even in bubble wrap - anyone could encounter a very serious and expensive medical or health situation. Yes, and potentially one that would prevent one from starting the new job with the new ...
by TravelGeek
Sat Jul 07, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Global Wallet/Organizer
Replies: 4
Views: 438

Re: Global Wallet/Organizer

What are you going to do with the organizer? I recently bought this one because I was getting tired of stacks of credit cards, loyalty program cards and other similar sized cards held together by rubber bands, in my safe. https://www.amazon.com/BTSKY-Credit-Holder-Business-Organizer/dp/B01E709QC6 I ...
by TravelGeek
Sat Jul 07, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 12
Views: 658

Re: Health insurance gap

Unless I could wrap myself in bubble wrap and stay at home for the uninsured period, I would pay for COBRA.

Then again, I am looking at paying for COBRA for the full 18 months and then (hopefully) for years of ACA coverage after we FIRE.
by TravelGeek
Sat Jul 07, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2713
Views: 530857

Re: What's Your Credit Card Rewards Strategy?

Marriott points will get a downgrade, but earning SPG points now before the merger will be advantageous. I've been earning as many SPG points as I can. Can you elaborate? There is a fixed exchange rate ratio between SPG points and MR points (1:3), so whether you earn SPG points or MR points now doe...
by TravelGeek
Sat Jul 07, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

I am currently using the term “retired” when describing my goal of early retirement. It i may have to switch my terminology to pacify the retirement police. How does “International Man of Leisure” sound as a description? It's pretty simple. If you're not working, but the spouse is, and you have kid...
by TravelGeek
Sat Jul 07, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

There is a lack of appreciation how "retirement" and "financial independence" are self-concept-derived terms. I would never call myself "unemployed" or "under-employed," but I do vary between considering myself "retired" or "semi-retired." Which term I use depends on how I feel on a given day. Clea...
by TravelGeek
Fri Jul 06, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5307

Re: Going solar?

We made 51.4 kWh today. Most went into the grid (our “battery”). Overall our system is designed to cover the energy consumption of our energy efficient home. In 3+ years the only problem we had was that the powerline network adapter that sends the production data from the inverters to the cloud died...
by TravelGeek
Fri Jul 06, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Webinar
Replies: 5
Views: 550

Re: Vanguard Security Webinar

VictoriaF wrote:
Fri Jul 06, 2018 1:52 pm
This is a security webinar, but they are using a notoriously insecure Flash Player to watch it.
:shock: :beer

They did say upon registration:

“If Flash player is not an option, please try viewing the event on a mobile device.”

I’ll be using my iPad.
by TravelGeek
Fri Jul 06, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

What would have happened if a) He didn't get a good education b) didn't get a good job c) didn't save any of his salary d) moved to a higher tax state and e) Still married a high income person who would support him? He ends up in the same exact spot of staying home with the kid while she works. E i...
by TravelGeek
Fri Jul 06, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8675

Re: What I spent in 6 months on medicare

I had the opposite reaction. I wish I could buy into Medicare. I recently saw the 2019 figures for my ACA plan. My premiums will go up almost 40% next year. 40% approved increase or 40% requested increase? I thought none had been approved yet. https://www.kff.org/private-insurance/issue-brief/track...
by TravelGeek
Fri Jul 06, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

Oh I don't care about which gender earns the money, I was just commenting on total lack of practical advice for average folks. Practical advice? In the article? How about - get a good education that commands a decent salary - save a lot of your decent salary, leveraging tax deferred plans - live fr...
by TravelGeek
Fri Jul 06, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14497

Re: How to "retire" in your 30's article

Marc, thank you for taking the time to register and sharing your update. And congratulations on your and your family’s successes.
by TravelGeek
Fri Jul 06, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6100

Re: Do We need health insurance??

Rotarman wrote:
Thu Jul 05, 2018 5:28 pm
However I do think you could probably get away OK by gaming the system. At our county hospital, the social workers manage to get people marketplace insurance within a week or two of saying they need surgery.
How?
by TravelGeek
Thu Jul 05, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5293

Re: How to tip

Here is the truth about tips as a percent. That breakfast waitress in the local diner where you pay $8 for breakfast. She comes by to check on your coffe refill. I personally tend to tip higher (percentage wise) for smaller bills where I maybe just have an omelet and a coffee for $12. If the servic...
by TravelGeek
Thu Jul 05, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6540

Re: Walking Coast-to-Coast

Wow. Thank you for sharing your story.