Search found 1375 matches

by sperry8
Thu Oct 19, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State Residency - how to handle health care?
Replies: 11
Views: 1033

Re: Changing State Residency - how to handle health care?

Many plans affiliate with national networks. The first task is to see if suitable providers in your FL location are in-network for your current insurance plan. If there are not in-network providers in FL, the second step is to see if out-of-network care is covered or affordable. Most likely, everyt...
by sperry8
Thu Oct 19, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State Residency - how to handle health care?
Replies: 11
Views: 1033

Re: Changing State Residency - how to handle health care?

Hello all, I am moving to Florida from California. I will be officially in FL in November during the open enrollment period. I understand that when one applies during the open enrollment period the soonest one can get the new health plan is Jan 1, 2018. However I have need to see a specialist in No...
by sperry8
Thu Oct 19, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Changing State Residency - how to handle health care?
Replies: 11
Views: 1033

Re: Changing State Residency - how to handle health care?

Moving to another state is a qualifying event, so you would not need to wait for open enrollment. Also, your CA plan might not cover in FL (or might only cover emergencies). You should have a plan on how to handle the transition before you move to be sure you have continuous coverage and also to av...
by sperry8
Wed Oct 18, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State Residency - how to handle health care?
Replies: 11
Views: 1033

Changing State Residency - how to handle health care?

Hello all, I am moving to Florida from California. I will be officially in FL in November during the open enrollment period. I understand that when one applies during the open enrollment period the soonest one can get the new health plan is Jan 1, 2018. However I have need to see a specialist in Nov...
by sperry8
Fri Sep 15, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 10746

Re: bitcoin is crushing hard now

bitcoin is crushing now finally And the next day (today) it's bouncing right back. The volatility in Bitcoin and Alt-coins is amazing. Seems like it could be a day traders paradise. I still don't own any cryptos... although I have opened accounts. Some friends have made 4x in very short order. It's...
by sperry8
Sat Aug 26, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Wait & You'll Likely Miss Out
Replies: 74
Views: 10546

Re: Larry Swedroe: Wait & You'll Likely Miss Out

columbia wrote:
Wed Aug 23, 2017 6:20 am
Despite the irritating circumstances of someone here chasing Larry away, I appreciate the continued discussions of his articles.
Seriously? That's so sad. He was a true asset to this board and one of the reasons I frequented here. :shock:
by sperry8
Sat Aug 26, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Affording assisted living
Replies: 44
Views: 3793

Re: Affording Assisted Living #2

I spoke with an assisted living facility that some elderly relatives are very interested in. One question I asked was their price increases over the past five years. They refused to provide the information, but suggested I assume price increases of 3-5% per year. How worried should I be by the lack...
by sperry8
Sat Aug 26, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Help! Google Pixel erased itself -- what happened?
Replies: 15
Views: 1736

Re: Help! Google Pixel erased itself -- what happened?

For those following this thread, I just had a chat with Google Support. Guess what? THIS IS A KNOWN ISSUE WITH THE PIXEL. THE ENGINEERS ARE WORKING ON IT. IN THE MEANTIME BACK UP EVERYTHING ALL THE TIME AND EXPECT THIS TO HAPPEN AGAIN!!!!! OR -- you can just avoid buying a Pixel. Mine is going back...
by sperry8
Fri Jul 21, 2017 2:27 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5216

Re: Is Amex Platinum worth the high fees?

We are retirees and travel several times/year. Currently we have United mileage Plus card at $95/year. We recently got an invite in the mail from Amex and was intrigued by its marketing brochure. It looks good for the $550 fee. What do bogleheads here think? Is it worth it? Is there a comparable ca...
by sperry8
Thu Jul 20, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5216

Re: Is Amex Platinum worth the high fees?

We are retirees and travel several times/year. Currently we have United mileage Plus card at $95/year. We recently got an invite in the mail from Amex and was intrigued by its marketing brochure. It looks good for the $550 fee. What do bogleheads here think? Is it worth it? Is there a comparable ca...
by sperry8
Thu Jul 20, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5216

Re: Is Amex Platinum worth the high fees?

One is allowed to redeem the points immediately upon hitting the required min spend to get the 60k MR points for $750 cash? Just for having a Schwab brokerage acct (regardless of the amount in it)? Yes. And if you have MR from other cards those points can also be redeemed for $0.0125 each. My aunt ...
by sperry8
Wed Jul 19, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5216

Re: Is Amex Platinum worth the high fees?

If you want to try out the AMEX Platinum head over the Charles Schwab and open the Charles Schwab branded AMEX Platinum. You will also need to open a Schwab brokerage/checking account but those have no fees and $0 minimum balance (also the best checking account on the market IMO--all ATM fees reimb...
by sperry8
Wed Jul 19, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4872

Re: Expense Ratios, how high is too high

These days, I'd say that anything over .2% can be considered high. Anything over .5% is ridiculously, absurdly, borderline criminally high unless the situation is very abnormal. I own POAGX (Primecap Odyssey Aggressive) and it has a .62% ER. It also has outperformed almost every fund out there for ...
by sperry8
Wed Jul 19, 2017 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2739

Re: Tumbling USD -- expats

Foreign stocks returned close to zero over past 10 yrs w a lot of volatility. And US stocks have outperformed for the past 10 years. But no sector/country leads forever. So they may switch and perhaps you'd be buying foreign at just the right time? See this graph... notice how no one country/sector...
by sperry8
Wed Jul 19, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Dementia: SSDI + Optimizing Investments
Replies: 8
Views: 1029

Re: Dementia: SSDI + Optimizing Investments

So sorry to hear. My Dad had Alzheimers too. It is a tough thing for him and for the family. I wish you all the best.

By any chance did your father serve in the military? If so, the VA offers benefits (i.e., money) that can assist.
by sperry8
Wed Jul 19, 2017 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 6456

Re: Investment advice for $4 million - can I do all stocks?

You see the upside....but can you see the downside and do you really know your own temperament well enough that if the downside were to occur you will not incur regret? The street is littered with stories of those who had it made and lost it because of similar thinking - can do all stock because th...
by sperry8
Wed Jul 19, 2017 1:49 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4872

Re: Expense Ratios, how high is too high

These days, I'd say that anything over .2% can be considered high. Anything over .5% is ridiculously, absurdly, borderline criminally high unless the situation is very abnormal. I own POAGX (Primecap Odyssey Aggressive) and it has a .62% ER. It also has outperformed almost every fund out there for ...
by sperry8
Tue Jul 18, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1723

Re: ATM card for overseas travel

Everyone seems to feel a backup is not required, but I think it is a smart move. I have had issues in certain countries. For example, HSBC Premier ATM Debit card didn't work at all in Ukraine. Couldn't figure out why until I finally got a hold of HSBC CS and they told me Ukraine (along with a few ot...
by sperry8
Tue Jul 18, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: ATM card for overseas travel
Replies: 25
Views: 1723

Re: ATM card for overseas travel

Schwab is my vote for primary (not backup). Best debit card going. Others include Capital One 360 and if you can qualify, HSBC Premier and CitiGold (possibly Citi Priority too).
by sperry8
Tue Jul 18, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2739

Re: Tumbling USD -- expats

Any thoughts on how to preserve USD purchasing power for expats? Keep more in foreign currency? Gold? Buy more ex-Usa etfs? Particularly looking on advice on Thai baht. Tnx y'all appr Currencies are a zero-sum game. That is, when one is up the other is down. So, for example, if I lived in Thailand ...
by sperry8
Tue Jul 18, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Problem logging into Vanguard from abroad
Replies: 17
Views: 3206

Re: Problem logging into Vanguard from abroad

If you travel overseas often, just get a VPN. Problem solved. Depends on the country. Some countries, like China, block VPNs! Except the OP is not in China or North Korea. In the other 98 percent of the World, the VPN will take care of this issue quite nicely. A VPN doesn't always work. In fact, I ...
by sperry8
Tue Jul 18, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 40
Views: 6604

Re: Ally 1 Day Transfer

I have had an Ally savings account for several years and noticed in January that my transfers were speeded up and completed in a day. I also have an Ally checking account which I opened more recently. I did an ACH transfer from the checking account to my local bank a few weeks ago, and it took 3 da...
by sperry8
Fri Jul 14, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 7789

Re: 90:10 AA - what don't you believe about it?

I don't believe 90/10 is aggressive enough for somebody in their twenties or thirties. I don't believe it is conservative enough for somebody who has quit working and will never earn another buck. Everybody's situation is unique, so I wouldn't blindly recommend any AA to anybody. I was 100% equitie...
by sperry8
Fri Jul 14, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: CiT 1.30% Online Savings+$100 bonus New ceiling?
Replies: 3
Views: 695

Re: CiT 1.30% Online Savings+$100 bonus New ceiling?

As above poster said... better to go with Ally Bank's 11 mo CD at 1.5%. Or DollarSavingDirect at 1.4% (although I don't trust them to keep that rate long).
Bank Direct is at 1.35% and Sallie Mae Bank is at 1.3% like CIT but has no limitations/gimmicks or minimums.
by sperry8
Fri Jul 14, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 5181

Re: My first poor Ally Bank experience

...contact me within 2 business days... OP, it's been two business days. What was the outcome? Sorry for neglecting to come back and update. Ally did resolve this, and rather quickly. Before the end of the day, they had re-granted me full access to my account, with the only exception that they susp...
by sperry8
Fri Jul 14, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 2071

Re: Recommendations...Italy

The standards: Amalfi Coast, Florence, Tuscany (incl Siena and San Gimignano), Venice, Cinque Terre. Overrated: Rome (but a must see for the history). Additions: Lake Como (the rich and famous live here... the beauty is the reason), Dolomites (Selva di Val Gardena) - Gorgeous alpine like mountain to...
by sperry8
Tue Jul 11, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Income tax preparation cost?
Replies: 32
Views: 2835

Re: Income tax preparation cost?

Seems high to me too. My small business LLC runs about $1k per year in Cal. However, I just got nailed with a huge tax bill for my personal return which was almost triple what I paid in the past. I usually pay ~$2,200 for my Fed and State and got a bill for almost triple this year. I am floored. I ...
by sperry8
Tue Jul 11, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Income tax preparation cost?
Replies: 32
Views: 2835

Re: Income tax preparation cost?

Seems high to me too. My small business LLC runs about $1k per year in Cal. However, I just got nailed with a huge tax bill for my personal return which was almost triple what I paid in the past. I usually pay ~$2,200 for my Fed and State and got a bill for almost triple this year. I am floored. I h...
by sperry8
Fri Jul 07, 2017 4:47 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4773

Re: Anyone bought a Pixel?

Ton of comments about the hardware - but none about the service. For world travelers, Project Fi is a really huge deal. We are in the middle of a trip to see the 7 wonders of the world with 3 other devices on the shared data plan and it's great! +1. I have the new Pixel and Google Fi service and LO...
by sperry8
Mon Jun 26, 2017 4:13 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 5290

Re: Google Fi? pros/cons? anyone using it?

For domestic it is fine (I was on T-Mo before so for me, coverage remains fine). Internationally it is excellent. I never swap sims anymore and have very usable speeds in every country I visit immediately upon landing. Couldn't be better. I wouldn't have it if I didn't travel internationally however...
by sperry8
Thu Jun 15, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: [LendingTree Acquires DepositAccounts.com]
Replies: 3
Views: 689

Re: [LendingTree Acquires DepositAccounts.com]

I use that blog all the time and it has assisted me in ensuring I get the top 90% for my savings in terms of APY. Lovely blog. That said, the price paid is insane. Really nothing there that makes it worth that much imo. Still, happy for Ken. Capitalism is alive and well. :moneybag :moneybag :moneybag
by sperry8
Thu Jun 08, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7586

Re: Cell phone service abroad

Upthread I recommended using T-Mobile abroad. Worked for me but was slow. I switched to Google Fi. Now I have blazing fast internet (and phone) abroad in almost every country imaginable. No swapping of SIM cards which was a pain. No slow T-Mo either. And all for the same price I pay in the US ($10 p...
by sperry8
Thu Jun 08, 2017 5:27 am
Forum: Investing - Help with Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 41
Views: 3815

Re: HSA with HSA bank (my options?)

John Laurens and knpstr, thanks for the comments. Very helpful! Edit: I just signed up to invest with TD Ameritrade through HSA bank. I will need to wait 5-7 days for completion of process but it appears as though hsa bank lowered their fees so I thought I'd pass the information on. You have the op...
by sperry8
Tue Apr 18, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Starting "web site business". Need an LLC?
Replies: 20
Views: 2041

Re: Starting "web site business". Need an LLC?

I've started two businesses, wouldn't have been able to sleep at night without the protection that an LLC (or other corporate structure) offers. One of the businesses was a web-based retail business. i was worried about: - credit card info being stolen - personal information being stolen - lawsuit ...
by sperry8
Thu Apr 13, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 2485

Re: Dollar Savings Direct - 1.25% Savings

So its a teaser rate? Interesting I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates. Agreed....
by sperry8
Thu Apr 13, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 2485

Re: Dollar Savings Direct - 1.25% Savings

Hope this is allowed, sorry if its not. Anybody use them? Says they are part of Emigrant Bank. Thinking of switching my Ally account. https://www.dollarsavingsdirect.com/DollarSavingsDirectWeb/index.jsp They are part of Emigrant. Emigrant creates these "new entities" to gather new funds with high r...
by sperry8
Wed Apr 12, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 4582

Re: Legality of renters posting reviews of a condominium complex?

Sounds like the tenants are not your problem, the building or building management is. Go after the problem. Also only one of the positive reviews even looks legitimate. +1,000! Instead of caring about poor reviews, how about trying to fix the problem that is causing the poor reviews. :shock: Regard...
by sperry8
Sun Apr 02, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 247
Views: 35211

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Maybe Capital One has everything you need. Check whatever matters to you, like ACH transfer limits, limit on external account links, bill pay, etc. Maybe open an account to get the bonus, and check everything else out to see if it's good enough. I'd open a money market account there to get the bonu...
by sperry8
Sun Apr 02, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Florida prop taxes + insurance?
Replies: 23
Views: 1861

Re: Florida prop taxes + insurance?

Perhaps consider renting a home instead of buying.
by sperry8
Wed Mar 29, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15479

Re: Virtual Private Networks (VPNs)

a google chrome extension that uses PGP encryption. PGP is great, but it's only useful to communicate with other people willing to use it. CryptUp for gmail allows me to password protect emails where the receiver doesn't use it. Fixes the problem imo as I'm mostly concerned with emails that contain...
by sperry8
Wed Mar 29, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15479

Re: Virtual Private Networks (VPNs)

It would be a real service to get to the bottom of what email protocols we should be using, and whether or not Thunderbird does the job. Thunderbird is a good and competent mail client (Mozilla is a good and competent non-profit). Protecting SMTP, and POP/IMAP with TLS(SSL) will secure your email i...
by sperry8
Wed Mar 29, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15479

Re: Virtual Private Networks (VPNs)

It's clever that PIA lets you pay with gift cards so you can use it anonymously. Guys, I'm not trying to be Debbie Downer here - just keeping it real. Just because you can pay with Bitcoin or a visa gift card doesn't mean that PIA doesn't have the means to figure out who you are, fairly trivially, ...
by sperry8
Wed Mar 29, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15479

Re: Virtual Private Networks (VPNs)

People are increasingly desiring to protect themselves from possible snooping by their own ISPs. It is a reasonable concern given recent events. The problem is, in using some 3rd party VPN service, all you're accomplishing is trading one devil for another. . There are plenty of villians to take aim...
by sperry8
Wed Mar 29, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 15479

Re: Virtual Private Networks (VPNs)

I'm not sure if there is a difference, but I decided to install the "Smart HTTPS" Google Chrome extension rather than httpseverywhere. It seems more consumer friendly (with options on the toolbar for moving seamlessly between https and http (should you desire to do so). Of course this is c...
by sperry8
Wed Mar 29, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Any opinion on Popular Direct?
Replies: 15
Views: 2420

Re: Any opinion on Popular Direct?

These guys are offering 1.9% APY on a 3 yr CD now. Not too shabby. Not bad at all although the automatic renewal seems to be the default option with no way to select terminate at maturity upfront. Missing that window might mean autorenewal and that can wipe up savings, coupled with 1 year penalty W...
by sperry8
Tue Mar 28, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Why don't brokerages offer guaranteed 1% liquid savings accounts like Ally?
Replies: 12
Views: 2106

Re: Why don't brokerages offer guaranteed 1% liquid savings accounts like Ally?

I have wondered this a lot myself. Thanks for the answers. They make a lot of cents. I like to keep my accounts as simple as possible. I have a checking account at a local bank and use my brokerage account at Fidelity for my savings. I just keep a few thousand in the core position for that. It earn...
by sperry8
Tue Mar 28, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Any opinion on Popular Direct?
Replies: 15
Views: 2420

Re: Any opinion on Popular Direct?

These guys are offering 1.9% APY on a 3 yr CD now. Not too shabby.
by sperry8
Tue Mar 28, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: 200K+ Cash- Where to put it?
Replies: 13
Views: 2322

Re: 200K+ Cash- Where to put it?

Good Day! First time poster. Seeking input on how I could optimize an upcoming cash influx. Within the next 3-6 months I'll be selling a property I purchased back in 2011 and estimate my Positive Cash Flow from the transaction to equate to around 180-200K after Fee's and paying off existing mortgag...
by sperry8
Sun Mar 26, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: how to pay for mother's dementia care...retirement accts versus other investments
Replies: 12
Views: 1444

Re: how to pay for mother's dementia care...retirement accts versus other investments

It is very hard to find a good elder care lawyer, I know I tried. There are also Elder/Geriatric Care Managers that you can reach out to - they assist people who need to take care of someone. You can pay them hourly and they know a lot. I hired one in NYC and it was quite helpful. You can search Lin...
by sperry8
Fri Mar 24, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 4324

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mo...