Search found 515 matches

by traveltoomuch
Sun Oct 30, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled - what next
Replies: 30
Views: 4375

Re: Car totalled - what next

What I've experienced: the insurance company found three "comparable" used vehicles available from "local" dealers and, using some shiny software package, made adjustments to the value of each. They then offered a value based on the average value of the comps, as adjusted. Miles were worth about $.0...
by traveltoomuch
Sun Oct 30, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 99
Views: 15979

Re: Carry on luggage

Don't get spinners. They have the shortest lifespan of any bag design. You're begging to replace it in a year. Thank you for the great input! I disagree with you about spinners, though. I started using spinners in the last year+, and I've fallen in love with them. The extra maneuverability is a sig...
by traveltoomuch
Tue Oct 25, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Recommend a laptop and printer
Replies: 16
Views: 1746

Re: a desktop and printer

If not, then iMac 21-inch and a Brother printer. This. Buy the cheapest configuration iMac, though I'd consider paying for the (overpriced) SSD upgrade. If you hadn't specified a 17" screen, I would have said to get a MacBook Air (from the current generation, nevermind the new ones being announced ...
by traveltoomuch
Thu Oct 20, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 7587

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

... there are risks and costs to mailing that I would prefer to avoid (damage or theft in transit, cost of mailing to and return, shipping insurance costs.) damage: you still have a copy, right? Make another copy and send another disk. theft: if you care, use some form of whole disk crypto. cost: a...
by traveltoomuch
Wed Oct 19, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Setting up a Server
Replies: 19
Views: 2401

Re: Setting up a Server

I am thinking about setting up a server for documents, music, photos, and videos. What is the best way to do this inexpensively and what else can you do with a server? For file storage, pay for a cloud service as others have suggested. If you want a server, consider using a virtual server such an A...
by traveltoomuch
Mon Oct 17, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Get Vaccines for Travel Outside US?
Replies: 21
Views: 1724

Re: Get Vaccines for Travel Outside US?

Hep A and typhoid are among the most commonly recommended vaccines. I would get both without hesitation. Unlike most vaccines, the typhoid vaccine (the live version, taken orally) is only good for about five years.
by traveltoomuch
Mon Oct 17, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Keep or roll a 403b from previous employer?
Replies: 23
Views: 1509

Re: Keep or roll a 403b from previous employer?

If your income is or will be high enough to make you interested in a backdoor Roth, then do not convert to an IRA - leave it in the 403b or roll it to the 401k.
by traveltoomuch
Thu Oct 13, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off car by selling VTSAX? Need help deciding
Replies: 23
Views: 3322

Re: Should I pay off car by selling VTSAX? Need help deciding

At only 1%, I would keep the loan independent of any investment choices. Separately decide whether or not to take your tax gains in 2016 based on tax considerations. Consider another form of Watty's helpful question: "if I could get a new $11k loan at 1%, would I take it?" I can get over 1% return o...
by traveltoomuch
Tue Oct 11, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Looking for Help from BH Bridge Players
Replies: 23
Views: 2031

Re: Looking for Help from BH Bridge Players

See if you can find a beginners session that focuses on play of the hand, perhaps by playing "mini bridge". Definitely look beyond her bridge club and lessons - you might find a social group on Meetup or a geared-to-students club/class at a local college or university. Some things about playing the ...
by traveltoomuch
Tue Oct 11, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Advantage Car Rental
Replies: 10
Views: 1048

Re: Advantage Car Rental

Advantage, Dollar, Thrifty, and Fox are all routinely cheaper than the others. You get what you pay for, but most of the time you'll probably be okay. I've had a few issues using these companies before, including getting stranded at the airport because they refused to honor my reservation, so I don...
by traveltoomuch
Mon Oct 10, 2016 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Need a QUICK will done prior to flying -- HELP!
Replies: 22
Views: 2133

Re: Need a QUICK will done prior to flying -- HELP!

This is obviously statistically improbable, but what will happen if all three of us are in a plane crash? Statistically, most of you survive. (90% according to this .) Of course, 90% of 3 people is only 2.7. By the numbers, someone's going to be rather incomplete, but it should make for a good arti...
by traveltoomuch
Sun Oct 09, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Is there a decent toaster out there?
Replies: 41
Views: 4184

Re: Is there a decent toaster out there?

I also got a Hamilton Beach toaster from Costco and have been happy with it. This seems like a perfect use case for letting their buyers do the work. Walk into warehouse, see one model of toaster, buy it, make toast. See "The Paradox of Choice".
by traveltoomuch
Sat Oct 08, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 3599

Re: Most reliable/safe/bulletproof way to get cash overseas

Are there any ATM cards or ATM-card-equivalents that have 24/7 support so if they're denied or there's some other problem you're not left high and dry because of a weekend or holiday? There are some good suggestions here, but I think "diversity" is the more important take-away - a 24/7 call center ...
by traveltoomuch
Sat Oct 08, 2016 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Insurance & Medical documents to keep
Replies: 7
Views: 944

Re: Insurance & Medical documents to keep

I've taken to scanning and discarding most medical bills. If there's a disputed amount, I may keep the paper, but if the bill is right and I'm paying it, I see no need to keep the paper. And even when I've kept paper copies, I figure I can discard them after 2-3 years. I will, though, keep letters/d...
by traveltoomuch
Sat Oct 08, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: AX [American Express] charge dispute
Replies: 27
Views: 2581

Re: AX [American Express] charge dispute

Right on. I spent a full day writing the reason for my dispute and included all type of documentation. A full day of writing may have worked against you. As I advised back in June , "be concise". Were you able to get any documentation from the replacement lodging showing that the previous place had...
by traveltoomuch
Fri Oct 07, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Laptop ideas
Replies: 41
Views: 3894

Re: Laptop ideas

If you do get a Lenovo, make sure you get one of the business-class ones (Thinkpads). I'll say the same thing about Dell. If you get a Dell, get a Latitude. The XPS13/15 are the standout exceptions. I like to buy refurb/used - 2-3 year old machines coming off of corporate leases have lots of life l...
by traveltoomuch
Thu Oct 06, 2016 1:04 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 6894

Re: Mitsubishi ductless heating/cooling unit

We have a Mitsubishi split system in an addition, AFAIK, ... there is no thermostatic control. You can set a temp, but the system appears to run continuously. Not a bad thing, but not like a system with a thermostat on the wall to control it. Or perhaps I don't understand the whole device. (User ma...
by traveltoomuch
Wed Oct 05, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Best way to add real estate to portfolio
Replies: 17
Views: 2231

Re: Best way to add real estate to portfolio

I use the TIAA Real Estate account. Remember that it's only available in retirement accounts (e.g. IRA). Transfers to and from TIAA require paperwork and can take up to a couple of weeks - the variable annuity side of their house doesn't play will with ACATS. Given that, I'd move money in a lump sum...
by traveltoomuch
Tue Oct 04, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to rebalance, with ETFs
Replies: 15
Views: 1304

Re: How to rebalance, with ETFs

I am a slice and dicer, having accounts in Vanguard and Fidelity... Since you've accepted the pain of having two accounts, can you stand to leave the funds at Fidelity to drift around and do your rebalancing in the account with zero trading costs, perhaps ending up holding the same funds (or their ...
by traveltoomuch
Tue Oct 04, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 5163

Re: Credit cards that have annual fee's, do you have any?

What's actionable here? And is the OP's question adequately answered by the credit card reward strategy thread? viewtopic.php?f=2&t=192008
by traveltoomuch
Tue Oct 04, 2016 4:21 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 99
Views: 11807

Re: Improving the Bogleheads forum

I think this is something Bogleheads is missing compared to other good forums that have this feature. They have a way to applaud a good post, a way to show that you strongly agree with what a poster says, a way to give support or to promote what someone else said, without having to respond "+1". A ...
by traveltoomuch
Mon Oct 03, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Credit Card Airline Miles for infrequent traveler
Replies: 11
Views: 1676

Re: Credit Card Airline Miles for infrequent traveler

patrick's post hit some of the highlights. Pay attention to his point #1 and his suggestion that you may want to avoid this game. If you don't like to fly, a strong cash back card (e.g. the Fidelity card) might be more your speed. The strategy you describe is viable so long as you have flexibility r...
by traveltoomuch
Sun Oct 02, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: Older cars by owner on Craigslist - how long to listings stay?
Replies: 14
Views: 1799

Re: Older cars by owner on Craigslist - how long to listings stay?

I believe listings expire after 30 days unless renewed. I think it depends on the market. In some places, listings expire in seven days. If you see a listing older than the default ("posted 11 days ago" in a place where the default is seven days), it's a sign that the as has been renewed. I would n...
by traveltoomuch
Fri Sep 30, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 7466

Re: A broker's response to 3 Fund Portfolio

... the proposed allocations would concentrate risks in only a few asset classes and reduce efficiency throughout the portfolio relative to the current allocation. I'm curious as to which asset classes (he thinks) you are eliminating. But I'd probably decline to engage with him. Move the whole port...
by traveltoomuch
Fri Sep 30, 2016 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas for medical treatment
Replies: 7
Views: 1407

Re: Traveling overseas for medical treatment

Previous posts have commented on language issues in Germany. I'll say similar things about Portugal. I doubt you'll need to hire a translator.

On the whole, incidental costs in Portugal (food, transport) are likely to be relatively inexpensive. I'm not sure about housing costs.
by traveltoomuch
Wed Sep 28, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

Talked to my IT fella. He said instead of spending $ on new USB drive, I can also just encrypt what I have in windows 10 by enabling Bitlocker. Seems like a nice little trick. You just select the drive in "my computer" and choose ?enable bitlocker" or something of that sort. Only avail in win 10, b...
by traveltoomuch
Sun Sep 25, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Rental Cars
Replies: 22
Views: 2498

Re: Rental Cars

Costco is my go-to choice. I looks like you already know about AutoSlash. When rates seem high I've used Priceline's name-your-own-price, too, though I don't prefer it. Price out some off-airport rentals (either returning to the off-airport location or to the airport). Sometimes that makes a huge di...
by traveltoomuch
Sat Sep 24, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

A virtual machine can only be as vetted and monitored as the host OS it runs on. For example, if the host is compromised with a keylogger or man-in-the-middle software, then so is the VM. In a security-minded environment, this is an important distinction. Good job finding the hole in my argument. :...
by traveltoomuch
Sat Sep 24, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

... for as capable as a personally-owned smartphone is, I just question why people would want to go down this path to begin with. If it's too small of screen, then go buy a cheap laptop for $200, tether it to your cell for Internet access, and do what you need to do ... Assuming you're taking the w...
by traveltoomuch
Fri Sep 23, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

Killjoy2012, thank you for this perspective as the "evil Mega Corp IT security team". :D Again, we have several ways to know that someone [replaced the hard drive on an employer's machine with their own]. I'm curious as to what those are. With the corporate disk and software removed, how do you see ...
by traveltoomuch
Thu Sep 22, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Vacation bundling sites (Expedia, Priceline, etc)
Replies: 14
Views: 1810

Re: Vacation bundling sites (Expedia, Priceline, etc)

Priceline Express deals are the absolute best deals out there. ... It's also helps that Hobson's Choice makes choosing a hotel imminently easier. It already takes enough time to figure out which area I want to stay in. I more a fan of name-your-own-price, but I agree in principle. (Also, I think "P...
by traveltoomuch
Thu Sep 22, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

Guess where I am confused is that if they have the recovery key that just unlocks the entire HD, but I didn't think they would have access to anything in my home folder. Sadly, I think they do. FileVault provides whole-disk crypto, not per-user file crypto. If you want, you could conduct an experim...
by traveltoomuch
Thu Sep 22, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

If I put Veracrypt on my computer, can IT access if they want? You need to assume they can. Assume that they are always running a keystroke logger and could capture your Veracrypt passphrase, any passphrases you type into websites, etc. One thing I have done in years past is to replace the hard dri...
by traveltoomuch
Thu Sep 22, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Securing work computer and USB drive
Replies: 86
Views: 6999

Re: Securing work computer and USB drive

Does the same advice people are giving here apply to Mac? ... My understanding is that one Admin on a mac cannot view another Admin's files due to permissions. The drive is encrypted with FileVault, but my company does have the recovery key so I guess that's an area they may be able to get into the...
by traveltoomuch
Thu Sep 22, 2016 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Threshold for pre-notifying credit card companies?
Replies: 40
Views: 4532

Re: Threshold for pre-notifying credit card companies?

PS - the weird thing is that they sent me a text message saying they declined it but did I really intend to make it (yes/no). Of course I said yes but that was after they declined it. What's up with that? I think it's helpful to include the name of the issuing bank in these reports. Then we might f...
by traveltoomuch
Wed Sep 21, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 2796

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

I'd double-check the minimum guaranteed rate for NEW money going into TIAA Traditional - I'm shocked that you can still get 3%. If you can, no objections to using it! I am a fan of TREA, but not in livesoft's "set-and-forget" mode - it's the one part of my portfolio where my IPS specifically instruc...
by traveltoomuch
Wed Sep 21, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1784

Re: Spare Tire Replacement

I went in to Discount Tire for their complimentary pressure check, and they told me my spare was outdated. They refused to check the pressure and said they would not handle it due to the risk of it exploding. I replaced it. Did they insist you buy a new wheel, too, so they could avoid dismounting t...
by traveltoomuch
Tue Sep 20, 2016 5:09 am
Forum: Personal Consumer Issues
Topic: Transfer Citi Thank-you points to United Airlines
Replies: 11
Views: 1504

Re: Transfer Citi Thank-you points to United Airlines

There must be some other StarAlliance partners there, but I'm not sure which one. And of course, United award flights are not necessarily available through all partners. As above, try Singapore's KrisFlyer. Star alliance partners including Singapore should be able to see and book any UA "saver" awa...
by traveltoomuch
Mon Sep 19, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Transfer Citi Thank-you points to United Airlines
Replies: 11
Views: 1504

Re: Transfer Citi Thank-you points to United Airlines

In addition to Eva Air, mentioned above, Singapore Airlines KrisFlyer is another Star Alliance member and Citi transfer partner. They have some interesting rules (e.g. miles expiring three years from when credited), but their award chart has some charms - 40k domestic F tickets and cheaper Hawaii ti...
by traveltoomuch
Fri Sep 16, 2016 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Advise for family member
Replies: 6
Views: 980

Re: Advise for family member

One more question... with a single fund approach, I am not seeing any reason not to have proceeds directly re-invested into the fund. They won't be re-balancing, tax loss harvesting, etc... am I missing anything? If markets were to go south, they might benefit from tax loss harvesting. I would not ...
by traveltoomuch
Thu Sep 15, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Home Computer-Kids vs Data
Replies: 21
Views: 1758

Re: Home Computer-Kids vs Data

.. I like my big desktop screen for more involved work. If it's running Windows and the kids are using it, don't put your data there. It's easy enough to keep the kids and the data separate, but the kids will be malware magnets. Keeping kids and data separate: the solutions posted here are good. I ...
by traveltoomuch
Wed Sep 14, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: What's the smallest signup bonus that you'd take on a new credit card?
Replies: 27
Views: 2669

Re: What's the smallest signup bonus that you'd take on a new credit card?

$0, but it would have to be one that offered an impressive spending rebate or some other charm. If I did not already have a good 2%-across-the-board cash rebate card, I'd take one that did not come with any signup bonus. Signup bonuses are all well and good, but if a card can bring value in some oth...
by traveltoomuch
Tue Sep 13, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 7311

Re: Best Flashlight to keep in home for emergency

... years back we bought one for mom and dad that plugged into the wall and stayed charged. It was nice, didn't need batteries. They don't sell items like that anymore. Anyone have any idea why? haven't seen them anywhere in the Twin Cities for years. I'm seeing plug-into-the-wall options from Peli...
by traveltoomuch
Mon Sep 12, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 7311

Re: Best Flashlight to keep in home for emergency

Which is the best flashlight you guys recommend to keep in home for emergency? I am looking for something which is chargeable easily. For a rechargeable, I recommend a Convoy S2+ using your choice of 18650 lithium battery . These flashlights are available in a variety of brightnesses (and power dra...
by traveltoomuch
Tue Sep 06, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Las Vegas with kid, any suggestions?
Replies: 19
Views: 2473

Re: Las Vegas with kid, any suggestions?

If you want to see a show at night, Cirque du Soleil's Mystere is kid friendly. Our kids loved it. Shark Reef Aquarium at Mandalay Bay. Fountains at Bellagio. These three things crossed my mind, too. The aquarium is grossly overpriced, especially for how small it is, but it was very pleasant. Some ...
by traveltoomuch
Fri Sep 02, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Another leaving advisor thread
Replies: 26
Views: 3649

Re: Another leaving advisor thread

My only problem with all of the Schwab index funds and ETF's is they follow a significantly smaller number of companies. Which is a concern for me. (emphasis added) You're sounding inconsistent. You told us your "only" problem with Schwab's funds was coverage. And yet now you're focusing on fees. R...
by traveltoomuch
Fri Sep 02, 2016 12:10 am
Forum: Personal Consumer Issues
Topic: Bay Area hotel?
Replies: 18
Views: 1831

Re: Bay Area hotel?

Since you've already decided to be carless, then perhaps you know better than us where you want to be. Why are you going? And where are you going?

Berkeley and Oakland certainly have their share of run-down hotels. If you want something nice, check out the Claremont (now managed by Fairmont).
by traveltoomuch
Thu Sep 01, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 18
Views: 1658

Re: Asset Allocation Review

FYI, 401k transactions will typically be in fractional shares. You'll set some percentages and it will be on auto-pilot. At your asset level, I would not try to slice and dice into so many funds. In a 28% tax bracket, I would also consider skipping the Roth in favor of the 401k. Take the tax break n...
by traveltoomuch
Thu Sep 01, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: index vs. mutual funds for accessible money
Replies: 8
Views: 1149

Re: index vs. mutual funds for accessible money

Are there certain funds that incur a penalty or anything if the need to cash out occurs? Is there a better type of fund for this type of savings? Separate the rules and penalties of the account from the rules and penalties of the fund . Account rules are mostly about tax treatment (and brokerage fe...
by traveltoomuch
Thu Sep 01, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 401k help from Prudential
Replies: 10
Views: 971

Re: 401k help from Prudential

... I noticed that they charge a 0.30% fee acount maintenance fee each quarterly. I'm furious thqt that charge that much. I've been trying to maximize my 401k. Is it even worth it? ... Should I just invest in a taxable account? Double-check the fee: you'll likely find that it is .3%/year, charged q...