Search found 691 matches

by SrGrumpy
Thu Apr 05, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24124

Re: Anyone Deleting Facebook?

invst65 wrote:
Thu Apr 05, 2018 1:53 pm
We were sitting on a beach that belonged to a restaurant the other day for about an hour and my wife was talking on her cell phone the whole time.
I thought this anecdote was going in a different direction.
by SrGrumpy
Thu Apr 05, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Train Tickets in London
Replies: 8
Views: 1104

Re: Train Tickets in London

Regardless, I'd just get a rental car. Probably cheaper. Heathrow is well positioned for westward trips. Pop in to Stonehenge en route.
by SrGrumpy
Thu Apr 05, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 2940

Re: WF Visa 3% FX fee

If you opt to pay in USD at the point of sale, you will get a worse exchange rate and you still have to pay the foreign transaction fee. It's not a currency conversion fee. I don't know if there's much difference these days, in Europe at least. When given the choice last year I always opted for loc...
by SrGrumpy
Wed Apr 04, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 2940

Re: WF Visa 3% FX fee

You have a simple choice. Pay the 3% fee or get one of many, many no-fee cards with no FTF. If you think it's a hassle getting such a card, then you may not be suited to foreign travel.
by SrGrumpy
Wed Apr 04, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for using credit card for auto rental insurance
Replies: 25
Views: 1970

Re: Advice for using credit card for auto rental insurance

I did get scammed in Germany once when National decided four months after the rental I had scuffed a bumper and stolen the English CD from the GPS. Credit card (Amex I think) wouldn't cover it since I was outside a 90 day claim window. It was a business trip so I just ended up expensing it. Another...
by SrGrumpy
Wed Apr 04, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Travel (Or any other specific) fund - How do you budget and save it?
Replies: 18
Views: 1022

Re: Travel (Or any other specific) fund - How do you budget and save it?

No complex budgeting here, just pay it off from the savings account and hope there's some left for groceries and utilities! I travel 3 months of the year and try to eke out savings by using new credit cards with sign-up bonuses and gift cards (Airbnb, hotels.com) sold at 90% of face value on eBay. D...
by SrGrumpy
Mon Apr 02, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Train Tickets in London
Replies: 8
Views: 1104

Re: Train Tickets in London

It is always best to buy tickets well in advance - usually when they come on sale 11-12 weeks beforehand - although it seems your itinerary costs the same - 41.90 GBP per person - whether you travel tomorrow or next month.
by SrGrumpy
Sat Mar 31, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9522

Re: Resign from job or possible termination

. 7 . DO NOT SIGN any new non-compete or non-disclosure agreements with your current employer unless you will be compensated for them. If they give no benefits on termination don't give anything in return. Very important. Don't sign anything until you've taken it all home to peruse and/or have arra...
by SrGrumpy
Sat Mar 31, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5795

Re: $20,000 book - what to do with it

I'm now leaning toward donation given that it's the only known copy of the book. Part of me thinks this belongs to the "world" - if that makes any sense. And I think it would have been what my granduncle wanted. Meh. I wouldn't donate it unless you get an ironclad legal agreement that the recipient...
by SrGrumpy
Sat Mar 31, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11764

Re: Underrated places to visit in U.S.?

1,000 places to see in the usa and canada before you die. available amazon and everywhere else. https://images-na.ssl-images-amazon.com/images/I/51p6E8PjJeL._SX347_BO1,204,203,200_.jpg OTOH: Bin the bucket list: Travellers must stop following the same beaten paths - https://www.telegraph.co.uk/news...
by SrGrumpy
Sat Mar 31, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9522

Re: Resign from job or possible termination

Colorado13 wrote:
Sat Mar 31, 2018 1:15 pm
Thanks for the flex spending advice. Yesterday I spent my entire allocation for the year on new contacts and glasses. :-)
I would have blown it on Lasik/PRK.
by SrGrumpy
Sat Mar 31, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Interest Paid Not lowering Tax Bill
Replies: 20
Views: 2253

Re: Mortgage Interest Paid Not lowering Tax Bill

rightdecisions wrote:
Fri Mar 30, 2018 3:43 pm


Everyone talks about the benefit of deducting mortgage interest but I am not seeing a benefit here.

Exactly. Don't believe the hype.
by SrGrumpy
Sat Mar 31, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9522

Re: Resign from job or possible termination

Maybe I'm a bad person, but if I knew that I was being terminated, I would not be feeling any job stress anymore (at least not due to the working conditions). I mean, what can they do, fire you? This was true, in my case. I knew I was on death row, and it was just a matter of time. It was oddly rel...
by SrGrumpy
Thu Mar 29, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capitol One CC Problem
Replies: 10
Views: 1105

Re: Capitol One CC Problem

Off the top of my head, I can think of seven 2% cards with no annual fee. Some of them have foreign transaction fees: 1. Citi Double Cash 2. Fidelity 3. USAA 4. PenFed 5. Alliant FCU 6. BlisPay 7. PayPal Very interesting. Thanks for the update; it will be useful for me. However the 2% PenFed option...
by SrGrumpy
Thu Mar 29, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capitol One CC Problem
Replies: 10
Views: 1105

Re: Capitol One CC Problem

Are there 2% no fee cards with no foreign transaction fees? Yes, the PenFed Power Cash Rewards card has no annual fee, has no foreign transaction fees, and earns 2% cash back. That's one bank. I don't know if there are "many other" no-fee cards with 2% rebates, as stated earlier. I've just finished...
by SrGrumpy
Thu Mar 29, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24124

Re: Anyone Deleting Facebook?

Anyone seen the Facebook movie called "The Social Network" ? Excellent movie. Got a bunch of Oscar nominations, big box office, and I even liked Justin Timberlake's acting. David Fincher (Seven) directed. I don't see how anyone could be involved with FB after watching that movie. The protagonists a...
by SrGrumpy
Wed Mar 28, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3323

Re: Which cordless weed whacker to buy?

The cheapest possible so you won't feel as bad when you realize you should have bought a gas-powered unit. My issue - and maybe OP's - is that the hillside is very steep, with loose soil. It's a struggle to retain one's footing. A heavy, gas-powered unit may be a hindrance, possibly even dangerous....
by SrGrumpy
Wed Mar 28, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3323

Re: Which cordless weed whacker to buy?

I'm pleased you asked. I've been paying upwards of $500 annually to clear my SoCal hillside, and this year I plan to go DIY. Snakes be damned. The company I hired used Stihl. I'm inclined to rent a Makita from Home Depot this year to see how it goes, and then buy something on Craigslist. (Yes, absol...
by SrGrumpy
Tue Mar 27, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3844

Re: Los Angeles Condo Purchase Advice

bayview wrote:
Tue Mar 27, 2018 6:45 pm
You'll be amazed how weird the parents of your kids' friends can be. Something to consider.
If they're living in West Hollywood, those parents won't come within a mile of their place.
by SrGrumpy
Tue Mar 27, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3844

Re: Los Angeles Condo Purchase Advice

I personally would not buy in the West Hollywood area as you are competing with the trendiest of entertainment individuals with big (and even obscene) bucks who have been priced out of Beverly Hills next door ... +1. But absolutely skip Hollywood, too. It's filthy and disgusting. Take a look at Stu...
by SrGrumpy
Tue Mar 27, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11764

Re: Underrated places to visit in U.S.?

folkher0 wrote:
Tue Mar 27, 2018 8:58 am

Ok you want underrated?

Baltimore and Detroit.
Good call on both, esp. Baltimore - the home of T. Rowe Price. It also has Fort McHenry National Monument and the (free) Walters Art Museum.
by SrGrumpy
Mon Mar 26, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3437

Re: Rome-Florence-Venice-Prague summer vacation

Florence - 2 days Santa Maria del Fiore - Piazza della Repubblica - Fontana del Porcellino - Piazza della Signoria - Ponte Vecchio-The Boboli Gardens - Pitti Palace - Giardino Bardini - Piazzale Michelangelo The Basilica di Santa Croce Relatively under-visited church with tombs of Galileo, Michelan...
by SrGrumpy
Mon Mar 26, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11764

Re: Underrated places to visit in U.S.?

researcher wrote:
Mon Mar 26, 2018 7:51 am
This thread is the equivalent of throwing darts at a US map.
What was the giveaway? New York, Chicago, Las Vegas or New Orleans?
by SrGrumpy
Sat Mar 24, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5004

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

Are there any lawyers that specialize in being a buyer's real estate agent? I might be concerned about his lawyer abilities if his/her claim to fame is being a buyer's real estate agent. I don't think that a lawyer would be interested in the oddball hours and grunt work hassles involved in real est...
by SrGrumpy
Sat Mar 24, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Moving my Roth IRA from T Rowe to Vanguard?
Replies: 18
Views: 1302

Re: Moving my Roth IRA from T Rowe to Vanguard?

Well, the expense ratio is quite lower with the Vanguard Admiral funds than the expenses in T. Rowe Price's Capital Appreciation (.70%), which is where my ROTH is now. For sure. This was a recent thread on the matter. It might be of interest: https://www.bogleheads.org/forum/viewtopic.php?t=234667 ...
by SrGrumpy
Sat Mar 24, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1878

Re: Berlin - how many days and where to stay?

Watch some Berlin-set TV shows before you go - "Babylon Berlin" (1920s Weimar crime drama), "The Same Sky" and "Deutschland '83" (70s, 80s Cold War); the films "Goodbye Lenin" and "Barbara" (more East Germany than Berlin, IIRC, still excellent) and plenty more.
by SrGrumpy
Sat Mar 24, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2553

Re: eBay seller mails hard drive in paper envelope

I confess I have been at the other end of the equation. I packed an awkwardly produced CD boxed set so tightly (within bubble wrap, mind you) that it got a little squashed. The buyer emailed me with a photo and a reasonable note. I was so mortified that I refunded him 50%. He was happy.
by SrGrumpy
Sat Mar 24, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24124

Re: Anyone Deleting Facebook?

Do they actually delete your info, or just prevent it from being displayed? My guess is just the latter which means the information is still available with them and they can sell it to interested parties. No idea. You're probably right. At this point in human history, it's all out there in some for...
by SrGrumpy
Sat Mar 24, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Moving my Roth IRA from T Rowe to Vanguard?
Replies: 18
Views: 1302

Re: Moving my Roth IRA from T Rowe to Vanguard?

Welcome. What's wrong with T. Rowe Price? FWIW, don't believe all the Vanguard hype.
by SrGrumpy
Sat Mar 24, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24124

Re: Anyone Deleting Facebook?

What very much caught me off guard was the #1 hit which is some sort of an aggregation of public records outfit called mylife.com. Full of accurate and current information neatly curated in one place. It includes such things as my current income which could only be gotten from last year's tax retur...
by SrGrumpy
Sat Mar 24, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Will and Life Estate...looking for some basics
Replies: 3
Views: 421

Re: Will and Life Estate...looking for some basics

Jags4186 wrote:
Sat Mar 24, 2018 7:03 am
the funeral cost $17,000
Whoa! You might want to get a breakdown of the bill (unless Elton John was hired to perform a song).
by SrGrumpy
Sat Mar 24, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11764

Re: Underrated places to visit in U.S.?

You mentioned it in your opening post: Buffalo. Stunning architecture, some historical sites (McKinley assassination/Roosevelt inauguration), proximity to Niagara Falls, a fascinating brain museum at SUNY, a revamped waterfront, and a ton of microbreweries. Milwaukee, too. They have a statue of the ...
by SrGrumpy
Sat Mar 24, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Offshore Asset Protection
Replies: 9
Views: 726

Re: Offshore Asset Protection

You're already living in the best place for asset protection (and any other dubious transactions) - little ol' USA.
by SrGrumpy
Sat Mar 24, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How do you know when you need a trust?
Replies: 22
Views: 3247

Re: How do you know when you need a trust?

California is generally a beneficial state to have a trust, because the probate fees are still considerable: 4% of the first $100,000 of the gross value of the probate estate. 3% of the next $100,000. 2% of the next $800,000. 1% of the next $9 million.... But if the house is covered by the revocabl...
by SrGrumpy
Sat Mar 24, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24124

Re: Anyone Deleting Facebook?

Well many younger folks aren’t on it as well, including many in tech business . And your premise is not correct either for the age ranges ,most people on Facebook are OVER 35, young folks on Snap and Insta and Twitter. Their parents or grands on Facebook. Yeah the oldsters are all over FB - it's po...
by SrGrumpy
Sat Mar 24, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 1878

Re: Berlin - how many days and where to stay?

- Allied Museum - located in the theater of a major Army garrison in the American sector. A little off the beaten path but once you walk in you'll be amazed at the memorabilia donated by the US Forces stationed here during the Cold War. I'm returning to Berlin for the third time next month (first t...
by SrGrumpy
Sat Mar 24, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24124

Re: Anyone Deleting Facebook?

I have a fake account with all privacy settings activated, no friends or photos. I use it for genealogical research. It's amazing how much deeply personal info people put on their profiles - so for their laxness I am very grateful. You can't blame Zucky for everything.
by SrGrumpy
Sun Mar 18, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: Palma, Malta, Sicily, or Spain for winter break?
Replies: 21
Views: 2165

Re: Palma, Malta, Sicily, or Spain for winter break?

For various reasons, we may be visiting family in Germany this winter. While we would do some amount of local activities, we were also thinking of taking a week or so break to someplace warmer and sunnier. OP, did you go anywhere? Cyprus has nothing to see or do - its a summer/beach/drinking destin...
by SrGrumpy
Sun Mar 18, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

LarryAllen wrote:
Sun Mar 18, 2018 11:08 am
In California I would use a professional fiduciary as executor/trustee. Find one at pfac-pro.org
Very cool, thanks. I'd feel better dealing with someone like this instead of L.A. County bureaucrats.
by SrGrumpy
Sun Mar 18, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

Think about this one; Who is going to compel the beneficiary of your IRA to cough up enough to pay for your "pricey burial location"? Gill I should clarify that I deducted the estimated cost from the TOD part of the IRA. That undesignated portion would go to the executor to handle funeral expenses.
by SrGrumpy
Sun Mar 18, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

Thanks. I'm in my 40s now and feel I need to get something on paper asap. I can always adjust as time goes by - ergo Legalzoom for now. My big stuff will avoid probate. I took advantage of California's newish law about TOD transfer of homes - and did it just before they raised the fees by $75. IRA a...
by SrGrumpy
Sun Mar 18, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

What will your wife do about paying the electric bill if you pre decease her? With your presumably simple estate situation, your wife’s ability to function financially should you be incapacitated or deceased would be my greatest concern. Oddly enough, these "little" things are the biggest headache,...
by SrGrumpy
Sun Mar 18, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

letsgobobby wrote:
Sun Mar 18, 2018 9:50 am
Who is your most qualified beneficiary?
My wife. Or my parents (overseas) and, in turn, their beneficiaries (also overseas). Hey! Who here wants to be in my will?
by SrGrumpy
Sun Mar 18, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

I'm still trying to figure it out myself, but, I would never use Legal Zoom. For the time being my elder law attorney is co-trustee with a long distance relative, but the attorney must rely on the relative for detailed financial information. Don't co-trustees/co-executors have to sign everything in...
by SrGrumpy
Sun Mar 18, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Re: Estate planning: No friends, no family - no executor

HueyLD wrote:
Sun Mar 18, 2018 9:23 am
What would you do if both of you die at about the same time? Do you want the state to get most of your money?

What if one of you is dead and the other is incapacitated?
Those issues would be addressed in the will. For now the issue is trying to find someone to execute my testamentary wishes.
by SrGrumpy
Sun Mar 18, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4348

Re: Does credit score matter if you never plan to borrow money again?

I have a small bill that I won’t pay because it is for a service extension I never authorized or used. The company, an internet news organization, finally told me they were reporting it to a collection agency. You really want debt collectors hounding you and your credit score dropping just to prove...
by SrGrumpy
Sun Mar 18, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2467

Estate planning: No friends, no family - no executor

Slight exaggeration, but that's my problem in a nutshell. I don't know whom to name as executor of my will. My wife and I live in California with no children. She hates dealing with money, freaks out at the thought of a routing number. Most of our family members are overseas. None of our friends are...
by SrGrumpy
Fri Mar 16, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Requires Drivers License for EFile
Replies: 24
Views: 2295

Re: Turbotax Requires Drivers License for EFile

Freetaxusa required my D/L this year, for e-file. And I'm pretty sure I had to supply that info in previous years with TaxAct. I'm in CA, btw. If it helps combat ID theft, so be it.
by SrGrumpy
Sun Mar 11, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 11584

Re: TaxAct and alternatives

Thanks @Blues. I'm just relieved that they could import my 2016 data from Taxact. So far, so good.

P.S. Well, actually - the import looks a bit incomplete. Not all the DIV data made it.