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This is normal. Your travel insurance is secondary, and will pay what your primary health insurance won't pay. This policy is there so you wouldn't try to charge the same expense on several insurances. Note that some expenses (i.e. hospital room cost) your primary insurance might not cover, nor...

I would cancel the order and find a different store, which does business honestly. Why bother dealing with people who want to charge you more for nothing?

Yep, and you can put a zero there - which I always do on any screen which defaults to 20% and forces me to jump through the hoops to reduce this amount. So the amount is reduced to zero.

Travel a lot for business to different destinations, and I use booking/agoda. Even though I'm a member of some programs, I don't even bother collecting points with them since I book the stays at booking. The perks/benefits of all hotel programs I looked at made it unworthy to bother with them -...

Just look at the UK travel advisory for the USA: https://www.gov.uk/foreign-travel-advice/usa - - "Protests are commonplace across the USA, some of which can become violent." - "Snow storms during winter can disrupt critical infrastructure, including causing power cuts as well as delays and...

If you're on Android, connect your phone, and do bluetooth tethering with your tablet. I do it all the time. Otherwise you can use a travel router in a WiFi repeater mode.

This is nor correct. Roadside assistance covers you, well, at the roadside. I.e. if the battery is dead, and you called them to send someone in to jumpstart it. If you jumpstarted it yourself, and brought the car to the rental, there is no way they could charge you for a replacement battery...

I'd add Benilux, Denmark, Sweden, Spain, Austria, Czech Republic and Switzerland into this list as well. England as well. Possibly Scotland (limited destinations), but not Ireland, totally agree with your assessment. If one is fan of old trains/tracks, Bosnia and Romania.

I've got "Safe Travels Deluxe Annual" from Trawick International. Each trip duration must not exceed 30 days, which works for me. If you need longer duration, an annual policy wouldn't be cost-effective.

Never tipped a hotel housemaid in my life, and don't even have an idea how to do it.

It should be 25x your annual spending, not salary. At this salary level, most of it goes to savings and mortgage anyway, unless one has expensive hobbies.

And you're right. What the crypto folks seem to miss that it is the existence and power of regulation which creates property values. If your house could legally become someone else's property if they simply show up with guns and kick you out - this is still happening in some parts of the world...

Did the "speed of transacting" changed? Back a few years ago when Bitcoins were used to pay for goods one had to wait 10+ minutes for transaction to be confirmed by another party. Credit card transactions, on the other hand, are processed within seconds.

Neither. You got a possession of a kind of fancy URL where it would be said "KCGeezer owns this house".Of course this would have zero legal meaning and is non-enforceable (the beauty of "unregulated"). You can create an equivalent of this NFT by printing "I own that house" on a piece of paper...

As a frequent traveler myself, a few things: - Once you start looking, you'll find better deals than those dropped into your email box (by combining airlines + flying low cost airlines). For example, to get to many places in Europe you can fly to AMS or CDG roundtrip from USA and then change...

There are thousands of islands out there which have also finite land but which nobody is buying. The land of the island of Manhattan is valuable because people want to live there (for the reasons which have nothing to do with it being Manhattan), not because there is finite land. The only...

You can book a world cruise on most lines (120 days) around 15-25k per person. So the "living fee" alone would cover 1-2 world cruises a year for two.

I'm confused now. 1. Diversification value: does crypto really move differently from regular securities (stocks/bonds) when market conditions change? 2. What makes you think it is part of the future? To me its value is purely speculative, i.e. it's more like gold. But gold at least can be used...

I'm also very skeptical this would pass IRS audit. If you sell gold for loss (taxable) and buy gold ETF in retirement, its pretty much the same.

You're lucky. None of the 401k/IRA I have (Fidelity, etrade, vanguard) allow even leveraged ETFs. Unsure whether or not what you describe is a wash sale. But you can do the same with commodities (which are also property and volatile).

IMHO retail investors ("buy and let it grow") should not be investing in crypto; crypto coins are more like penny stocks and FOREX, you make money on volatility, not on growth. This is also why I don't expect the institutions to allow crypto in retirement accounts. Mine don't even allow...

But the risk is the same, it is just transferred to exchange. And while an exchange may have better security than a user, they are also a more attractive attack target for hackers - indeed there were cases where cryptocurrency was stolen from exchanges. You can do this with actual bitcoin...

Gold ETF provides some value versus buying actual gold - you don't need to deal with physical storage, you can sell 1% of it, etc. But none of those apply to crypto, so if one wants to invest in bitcoin, there doesn't seem to be any practical reason to prefer bitcoin ETF vs actual bitcoin.

What would be the difference between "bitcoin ETF" vs actually having bitcoins?

Yes, then I agree that timeshare makes sense in this case. OTOH, the timeshare sales guy was puzzled when I told him the maintenance fees (1200) for one week stay is ridiculously expensive amount, even in Tokyo and Singapore I paid less for a one week stay. But then, I don't even use dryer...