Search found 2351 matches

by TravelGeek
Thu Nov 15, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5084

Re: Oops! Edward Jones tops Vanguard in customer survey

So who here is going to transfer their assets to EJ now? :twisted:
by TravelGeek
Mon Nov 12, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1135

Re: Prepaying for Rental Car - Availability Guaranteed?

Of course, it happens that a vehicle isn’t available when or as booked. Just as hotels sometimes overbook and run out of rooms. Or airlines oversell and bump people who have paid tickets. In my limited experience of 30 years of car rentals it is not a very common occurrence, though. It’s happened to...
by TravelGeek
Mon Nov 12, 2018 4:13 am
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2042

Re: United MileagePlus - Confused and looking for cheaper options

Uh no, I don't think you can get good value burning MileagePlus at hotels. Someone prove me wrong. Most non-airfare redemptions of airline miles are resulting in a poor value because the airlines have to spend cash to buy you a hotel room or other product (vs. giving you an otherwise empty airline ...
by TravelGeek
Sun Nov 11, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9188

Re: retirement travel: RVs vs fly/drive/hotel

How many HI express, Resident Inn, Embassy Suite, and so on are there in say Yellowstone national park? I haven't actually looked (and I bet there are cabins for rent in the park) Last I checked, there are no chain hotels in the park. But there are some just outside in West Yellowstone. Not exactly...
by TravelGeek
Sat Nov 10, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 60
Views: 6150

Re: Amazon says TurboTax 2018 will be released November 12

marcopolo wrote:
Thu Nov 08, 2018 9:52 am
Queue the thread about free copy from Fidelity :happy
I am waiting for that as well. Do you know when Fidelity has traditionally announced the availability?
by TravelGeek
Sat Nov 10, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3742

Re: TurboTax on TaxMarkDown.com

And for those whose computer does not have a CD drive, one can always install an external CD drive. Yup. It had been a tradition for years to dig out the external DVD drive from the “auxiliary” hardware storage box in the garage once a year to install TurboTax on my MacBook Pro. Until I switched to...
by TravelGeek
Thu Nov 08, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: How to Encrypt a Text file?
Replies: 53
Views: 3911

Re: How to Encrypt a Text file?

Make sure you have a back up unencrypted version in a secure location. I'm a professional, and some of these tools can give me trouble from time to time. I have a safe deposit box, and in there is a printed document with financial information, log in credentials, passwords, etc. If something happen...
by TravelGeek
Thu Nov 08, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3742

Re: TurboTax on TaxMarkDown.com

Receiving the download and the company being legit are two different things. These websites pop up every year and they never operate at the same web address for more than one year. Next year they will have a different domain name. Chances are they are selling pirated software. +1 It appears the dom...
by TravelGeek
Thu Nov 08, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2042

Re: United MileagePlus - Confused and looking for cheaper options

Your post is confusing. There is no 32,000 mile award at United. What route are you trying to fly? Its a multi-city route from Chicago to Washington and from Richmond back to Chicago. It shows 64000 total miles. See if you can book it as two one-ways, perhaps one as an award for two pax and one as ...
by TravelGeek
Thu Nov 08, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: How to Encrypt a Text file?
Replies: 53
Views: 3911

Re: How to Encrypt a Text file?

But I would rate the odds of GPG going away in the next twenty years to be far less than 1%. Any "backup" tool you might find, well, that's another story. But the OpenPGP format is likely to continue to be around and I wouldn't at all be worried about not being able to decrypt your files (unless yo...
by TravelGeek
Thu Nov 08, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2042

Re: United MileagePlus - Confused and looking for cheaper options

Lots of good answers already. Definitely don’t pay $600 for 14,000 miles. United is currently offering a mystery bonus for mileage purchases, though that might still not be a great value. https://buymiles.mileageplus.com This article offers some additional ideas: https://thepointsguy.com/news/why-yo...
by TravelGeek
Thu Nov 08, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: taxact 2018 tax year software price increase 100%?
Replies: 15
Views: 1572

Re: taxact 2018 tax year software price increase 100%?

panhead wrote:
Thu Nov 08, 2018 8:14 am
I used the home/business 1065 bundle last year and I paid $100, currently its listed as $200 for this year.
Does anyone actually pay list price for tax software?
by TravelGeek
Thu Nov 08, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Where can I go to print a very high-quality book?
Replies: 14
Views: 976

Re: Where can I go to print a very high-quality book?

Google search. - printing a few copies of a book Gives quite a few interesting links. Take a look. At least one review. For example, a couple of years ago I was at the famous Powell’s bookstore in Portland and saw that they had an Espresso Book Machine that lets you easily self-publish books or cre...
by TravelGeek
Thu Nov 08, 2018 1:30 am
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2251

Re: PenFed new savings rates

We’re coming up on the 5 year anniversary of the great PenFed CDs of 2013, so they may be trying to keep people from cashing out. I am hoping for a new special offer towards the end of the year to capture the CD money from five years ago. What was the going rate back then for five year CDs - maybe ...
by TravelGeek
Wed Nov 07, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: How to Encrypt a Text file?
Replies: 53
Views: 3911

Re: How to Encrypt a Text file?

Assuming you are just planning to keep the file to yourself after encryption, it seems there is no value in using asymmetric encryption. You now have two keys to manage, for no good reason. https://en.m.wikipedia.org/wiki/Public-key_cryptography Depending on what you are actually trying to protect a...
by TravelGeek
Wed Nov 07, 2018 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 468
Views: 43824

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

If you click on the "Terms & Conditions" link near the bottom of that email, it takes you to http://allypaybacktime.com, where they state that the new fund deposit timeframe was between 10/08/18 and 11/05/18. You’d think this isn’t so hard to get right... (I double checked, my money was in before 1...
by TravelGeek
Tue Nov 06, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 468
Views: 43824

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

Email from Ally just now: TravelGeek, if you added new external funds to an account, then your projected cash bonus is being calculated. Look out for your bonus projection in the next couple weeks! A few things about your bonus: - The email address used to enroll (REMOVED) must match the email addre...
by TravelGeek
Mon Nov 05, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software: online vs download versions
Replies: 15
Views: 1776

Re: Tax software: online vs download versions

Tamales wrote:
Sun Nov 04, 2018 2:08 pm
If not, does that essentially mean they must be monetizing your personal financial information (if you choose the online version) in some way?
That would presumably have to be disclosed in the Terms and Conditions.
by TravelGeek
Mon Nov 05, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: How to Encrypt a Text file?
Replies: 53
Views: 3911

Re: How to Encrypt a Text file?

... but I'm looking for something: that will take a .txt file and use something like OpenSSL to encrypt it with an algorithm like AES-256 and create another .txt file. And then use the same program to decrypt. This seems to be exactly what you want: https://crypto.stackexchange.com/questions/44928/...
by TravelGeek
Mon Nov 05, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9188

Re: retirement travel: RVs vs fly/drive/hotel

Speaking of big RV shows, they seem to come to my area every three or four months, but the local RV/trailer dealers (there are several large ones) all seem to have a huge inventory of new vehicles on their lots. I often wonder how much of capital is tied up in that inventory and how many they can po...
by TravelGeek
Mon Nov 05, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7815

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I am hoping that Fidelity comes through once again with a free TurboTax offer for this loyal customer, as Vanguard did in the good old days :) By the way, I am surprised that the Taxcaster apps haven't been updated yet for the 2018 tax year (I realize at least the Intuit tool has a 2018 forecast typ...
by TravelGeek
Mon Nov 05, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5352

Re: Car rentals, what is the catch?

Can someone with experience please comment on the "pay now and cancel before 48 hours" feature on autoslash.com ? Here's my situation: I have a rental car reservation through Costco.com for $700. With Costco, you can cancel anytime. You can even just not show up and not be charged anything. Autosla...
by TravelGeek
Mon Nov 05, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 24724

Re: Vanguard - You'll need to sign up for security codes soon

2. Under the email account from step 1 create a Project Fi phone number, it will cost $20/month. Do no reveal this phone number to any other third parties or use it for any activities. This phone number should only be used as the Vanguard contact information. Can you elaborate on why a Project Fi n...
by TravelGeek
Sun Nov 04, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 468
Views: 43824

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

I’ve got 100k sitting in the no penalty cd for 2.1%. If the rates rise, can I break it and open a new one without risking the 1k bonus? That is what the conventional wisdom here says - you need to move $100,000 into Ally, but once there you can move it around. E.g. I moved it into checking initiall...
by TravelGeek
Sun Nov 04, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1495

Re: Is it wise to give out credit card and driver's license in this situation?

The hotel wanting that info is reasonable. Emailing driver’s license info is not a good idea unless it were encrypted. Getting that communication initialized will be slower than overnight express courier, which would be my first choice for that. I can’t imagine that a (budget) hotel in Vegas would ...
by TravelGeek
Sat Nov 03, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1495

Re: Is it wise to give out credit card and driver's license in this situation?

If not a hotel, what about your doctor? (S)he has photo copies of your drivers license and your insurance cards, plus your CC # if you pay your bill by credit. Does that bother you? No, not really. They use it to ensure that it really is me coming in for care (and protect my medical records from im...
by TravelGeek
Sat Nov 03, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1769

Re: Credit card SurCharges

Personally, I would go with the second option. I try as hard as I can not to deal with businesses that add surcharges to credit cards. It seemed like there was a move to surcharge cc payments a few years ago, and it seems to have pretty much failed and gone away. Every once in a while, I do get box...
by TravelGeek
Sat Nov 03, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1769

Re: Credit card Surcharges

Would you shop somewhere that charges you a surcharge for their rent? Utilities? Payroll taxes? What about a liability insurance surcharge? How about a wage and benefit surcharge for the employees? Good lord, there are a zillion costs that go into operating a business. Bake them into the prices you...
by TravelGeek
Sat Nov 03, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1769

Re: Credit card Surcharges

It's not necessarily unreasonable. Premium rewards cards have higher merchant fees. Small businesses have almost no negotiating power and have to pay higher rates. And merchants that have a lot of chargebacks also have to pay more fees to take cards, and quite often lose the amount of the chargebac...
by TravelGeek
Sat Nov 03, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1769

Re: Credit card Surcharges

As a small business owner I can give you at least my realities of accepting credit cards. A corporate card or executive card, the charge is 4.3 percent. A cash back, rewards or miles card is 3.99 percent. A regular credit or debit card that is a "qualifying transaction" is 1.78 percent. I almost NE...
by TravelGeek
Sat Nov 03, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1769

Re: Credit card Surcharges

A good reliable and and trustworthy mechanic may be worth the inconvenience of paying with cash or personal check. Or even the surcharge - what we usually do. Agreed, though I will add that 4% seems a bit excessive given that the merchant fees are in all likelihood a lot less than 4% and the busine...
by TravelGeek
Sat Nov 03, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Florida transportation between coasts
Replies: 17
Views: 1183

Re: Florida transportation between coasts

I've done many open-jaw flights. Depending on the airline, the extra cost ranges from zero (Southwest) to don't bother (the legacies if you happen to pick a bad city pair). Many if not most domestic flights on legacies are now priced as RT = sum of both legs. In other words, one ways aren't penaliz...
by TravelGeek
Sat Nov 03, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1769

Re: Credit card Surcharges

A good reliable and and trustworthy mechanic may be worth the inconvenience of paying with cash or personal check.
by TravelGeek
Sat Nov 03, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1495

Re: Is it wise to give out credit card and driver's license in this situation?

SlowMovingInvestor wrote:
Sat Nov 03, 2018 11:10 am
Can you set up a virtual CC no and give that out instead ? Several CC providers allow that.
Or perhaps a reloadable prepaid VISA card bought at the grocery store would work if the OP’s bank doesn’t do virtual/one time use numbers.
by TravelGeek
Sat Nov 03, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1495

Re: Is it wise to give out credit card and driver's license in this situation?

JoMoney wrote:
Sat Nov 03, 2018 11:08 am
Every hotel I've ever stayed in has taken my credit card and DL information, so it doesn't strike me as unusual.
Taken? Hotel front desks in the US tend to glance at my drivers license, but don’t capture the information.
by TravelGeek
Sat Nov 03, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Is it wise to give out credit card and driver's license in this situation?
Replies: 14
Views: 1495

Re: Is it wise to give out credit card and driver's license in this situation?

Can you make the reservation for the relative online on the hotel’s website?
by TravelGeek
Sat Nov 03, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2102

Re: Model 3 Mid-Range or Volt

As a previous lessee of a 2012 Nissan Leaf, I would highly recommend against it. The Leaf doesn't have battery cooling, which causes degradation depending on climate. And I was lucky to get 55 miles out it in the winter. 65 miles commute To achieve that, I would have had to drive no more than 55 mp...
by TravelGeek
Fri Nov 02, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9188

Re: retirement travel: RVs vs fly/drive/hotel

Hope this will stimulate some discussion and thoughts that will help more than just myself. :sharebeer We have friends who are currently on their fifth retirement travel vehicle. No, they don’t crash them, they always discover that what they have isn’t quite perfect and so they up or downgrade. Fro...
by TravelGeek
Fri Nov 02, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2102

Re: Model 3 Mid-Range or Volt

Besides the daily commute, what do your driving patterns look like? If this was primarily a commuter vehicle, I would get a cheaper vehicle like the 2018 Nissan LEAF. Obviously, if you also frequently do longer road trips, this might impact your choice if your household doesn’t have a second ICE veh...
by TravelGeek
Fri Nov 02, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 589107

Re: What's Your Credit Card Rewards Strategy?

Is there still any easy/cheap manufactured spend left? I need $3000 to get the rewards on a new card. I'll get it within a few months of regular spending, but a quick bump would be good. The MS forum on Flyertalk seems to be pretty active still (not that I follow it, so I can’t offer concrete advic...
by TravelGeek
Thu Nov 01, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 589107

Re: What's Your Credit Card Rewards Strategy?

investor997 wrote:
Thu Nov 01, 2018 12:16 am
I have two cards that I pretty much never use anymore:
...
Neither of these have annual fees but again, I don't see myself using them at all. So.. keep 'em or dump 'em?
Do you have any other cards? I wouldn't want to just have one or two cards. Diversification across banks is a good thing.
by TravelGeek
Thu Nov 01, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1656

Re: Anybody use CenturyLink for internet service?

Nestegg_User wrote:
Wed Oct 31, 2018 11:22 pm

{hmmm, rest of country thinking what’s up with those central oregon BH’s ?.... :beer ..}
Time to start a local chapter? ;)
by TravelGeek
Wed Oct 31, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1656

Re: Anybody use CenturyLink for internet service?

catdude wrote:
Wed Oct 31, 2018 3:30 am
I can get internet-only (12 Mbps) for $45 a month from CenturyLink. Does anybody out there have any experience with them?
I would not get 12 Mbps service if your intention is to cut the cord and use streaming services.
by TravelGeek
Wed Oct 31, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3237

Re: USPS - Informed delivery - complain on missing items?

Despite all the complaints here, I am happy with the post office in my area. I am not happy with UPS and FedEx, which seem to respectively think leaving a package at the street, where I can't see it from the house since the garage is in the way, or leaving a heavy package against my outward opening...
by TravelGeek
Wed Oct 31, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1656

Re: Anybody use CenturyLink for internet service?

Just be very aware that any price you are quoted is most likely not the price you will be billed and, in addition, it will most likely be an initial teaser rate that will shoot up eventually. Once they get you on a contract, trying to deal with billing is an endless loop of frustrating answering ma...
by TravelGeek
Wed Oct 31, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Negotiate Washington Post Subscription
Replies: 15
Views: 1714

Re: Negotiate Washington Post Subscription

I think last year (either Black Friday or holiday sale) I paid $99 for a year of online subscription plus a year of Hulu.
by TravelGeek
Wed Oct 31, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3237

Re: USPS - Informed delivery - complain on missing items?

rantk81 wrote:
Tue Oct 30, 2018 7:04 pm
Family member missing a passport that was mailed back from the IRS when applying for a TIN.
The IRS requires a passport to be mailed to them?!
by TravelGeek
Wed Oct 31, 2018 12:40 am
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4579

Re: Who's Buying General Electric?

I owned a GE TV once. It made it 91 days, 1 day past the warranty. I hope their airplane engines are better built but I prefer seeing RR (Royals Royce) on the planes I fly. I'll stick with the total index funds... Was the TV actually made by GE or just branded GE? RR aircraft engines have been havi...
by TravelGeek
Tue Oct 30, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3237

Re: USPS - Informed delivery - complain on missing items?

alpenglow wrote:
Tue Oct 30, 2018 6:56 pm
Has anything ever come of it? I clicked the report missing mail link once but never got any follow-up.
No, never heard back. I think it even says on the complaint page to not expect a reply.
by TravelGeek
Tue Oct 30, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3237

Re: USPS - Informed delivery - complain on missing items?

Yes, I file a missing item report if something doesn’t show up within a few days. It may well have been put in a neighbor’s box (I have redelivered multiple letters myself, but never had a neighbor show up at my door with my missing mail). I hope my reports at least lead to some statistical data sho...