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Re: Wimbledon 2016

Wimbledon may be different as I understand a lot of players stay in the village, but if there is an official players' hotel, I'd highly recommend staying there. Although you shouldn't bother the players, it is nice just casually walking by/overhearing player convos. If your wife has favorite players...
by 2stepsbehind
Tue Mar 03, 2015 12:36 am
 
Forum: Personal Consumer Issues
Topic: Wimbledon 2016
Replies: 5
Views: 630

Re: Paris France help/suggestions for women

What would your wife/daughter wear if she was walking around NYC? That's what she should wear in Paris. I find it odd that people buy special packs when traveling--a big fanny pack just screams "rob me; I'm a tourist." Tell them to wear black, a cute pashmina, and walk with purpose and the...
by 2stepsbehind
Mon Mar 02, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 21
Views: 1262

Re: Foreign film night recommendations.

Don't forget foreign TV. A killer French cop series called Engrenages, with a strong female protagonist. it presents a gritty side of Paris you don't see in the tourist guides, i.e. the Muslim ghettoes that we're now seeing on the news a lot. All the seasons used to be on Netflix, but maybe not all...
by 2stepsbehind
Thu Feb 26, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 6150

Re: TradingPlaces' advice on travel awards

On flyertalk there are many reports of successful loads within the last 30mins.
by 2stepsbehind
Thu Feb 26, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I think it is too early to tell if the sky is ending on this. Amex has had lots of problems in the initial roll-out so it isn't immune to these technological glitches and it appears that the system isn't accepting any form of load not just credit card payments. It is unfortunate that this comes towa...
by 2stepsbehind
Thu Feb 26, 2015 5:00 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: Credit Card Rewards (Travel)

Considering that 2stepsbehind flies First Class and I fly Economy, I am 2cabinsbehind {laughing}, Victoria Ha! I'd say for me flying in first is a rare occasion. I'd rather fit in more trips than indulge in copious caviar and champagne. That said, with a stockpile of miles and somewhat limited vaca...
by 2stepsbehind
Wed Feb 25, 2015 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Credit Card Rewards (Travel)

I have a question regarding Serve, RedCard, etc. Has anyone been charged cash advance fee if loading via a credit card and can a Visa or MC be used to load Serve? None of the employees at the Walgreen's I use has a clue and the Serve website seems silent to this. I am about done with the points cha...
by 2stepsbehind
Wed Feb 25, 2015 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Credit Card Rewards (Travel)

I agree. I did a cost benefit analysis. Once the miles hit your frequent flyer account, they cannot be clawed back. That is incorrect. There are a number of stories in the past of Citibank initiating claw back actions. That they haven't done it recently does not mean they cannot do so. Maybe the re...
by 2stepsbehind
Wed Feb 25, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Credit Card Rewards (Travel)

I agree. I did a cost benefit analysis. Once the miles hit your frequent flyer account, they cannot be clawed back. That is incorrect. There are a number of stories in the past of Citibank initiating claw back actions. That they haven't done it recently does not mean they cannot do so. The two Citi...
by 2stepsbehind
Wed Feb 25, 2015 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Credit Card Rewards (Travel)

Back in the day you were able to book a round the world flight up to 25,000 miles in biz for 150,000 aa miles, and last year they were giving out 100k per sign up.(citi allows two every 65 days). I recently got two Citi AA cards, Personal and Business, with 50k bonuses for each. Are you saying that...
by 2stepsbehind
Wed Feb 25, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Credit Card Rewards (Travel)

Back in the day you were able to book a round the world flight up to 25,000 miles in biz for 150,000 aa miles, and last year they were giving out 100k per sign up.(citi allows two every 65 days). I recently got two Citi AA cards, Personal and Business, with 50k bonuses for each. Are you saying that...
by 2stepsbehind
Wed Feb 25, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Credit Card Rewards (Travel)

Some cards like AmEx only offer the bonus once in a lifetime and will only give you the difference if you signup again for a larger bonus. Does this limit apply only to the cards received directly from American Express? If I get an SPG card from AmEx, would it preclude me from getting other AmEx ca...
by 2stepsbehind
Wed Feb 25, 2015 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 65
Views: 3911

Re: Poll: How Would You Want Your Estate Divided?

Event and achievement based: - determine events that merit gifting: - - enrolled in a magnet school, college, or grad school, graduated, passed a certification in a profession, - - marriage, birth of a child, - - purchase of a house, - - family reunions, - determine reasonable amounts to be gifted ...
by 2stepsbehind
Tue Feb 24, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3420

Re: Help! I can't afford to eat on my South Beach vacation

I don't understand, OP. Were there no prices on the menu? Was someone in your party ordering copious alcoholic beverages and you didn't suggest they be put on a separate tab? It would seem to me that once you saw that the prices were more than you expected/were comfortable with, you buy an appetizer...
by 2stepsbehind
Tue Feb 24, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4921

Re: TradingPlaces' advice on travel awards

I thought I'd spend my first bunch of points (50K) on a domestic flight (DC/Nashville round trip). US Airways website tells me that that 50K in points will get me there, but not back home. Need to spend about 90K in points for this domestic trip. Yikes, at this rate, will take a lot of bonus signs ...
by 2stepsbehind
Tue Feb 24, 2015 11:17 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: Should older workers omit graduation dates on resume?

Should you include a photo, in case the employer discriminates against African-Americans? Hold on. Nowadays, the discrimination we all face - in one way or another - is covert. And not getting a call-back would only be because there was a more qualified candidate, they decided to not fill the posit...
by 2stepsbehind
Sun Feb 22, 2015 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should older workers omit graduation dates on resume?
Replies: 34
Views: 3189

Re: POD accounts only so how to pay deceased expenses?

There is a widespread misapprehension that non-probate transfers are simply not subject to creditor claims. While subject to state law, most states allow for reclaiming non-probate transfers to satisfy creditor claims. The method may differ by state. In some states, the executor/personal representa...
by 2stepsbehind
Sun Feb 22, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1807

Re: Poll: How Would You Want Your Estate Divided?

I have read an article it says you don't need to evenly split in many situation. If one child is lawyer and another is school teacher, you should give the school teacher more. The lawyer may be even better off than you are. If one child is disabled, he/she needs more help. You don't need to give an...
by 2stepsbehind
Sat Feb 21, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3420

Re: TradingPlaces' advice on travel awards

A couple days ago, when I was checking Chase rules for my UR maintenance, I noticed that signing for Chase Ink Plus now earns you 60,000 points. I got mine for 50,000 points in December and so it's too late for me. But for those who don't have Chase Ink Plus yet, this is a great opportunity. Victor...
by 2stepsbehind
Fri Feb 20, 2015 2:18 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: POD accounts only so how to pay deceased expenses?

Also, I would like to protect against any other expenses that unexpectedly show up over the next month or two which may be too late if they already received their 25% POD beneficiary share of the account. Given the details, there are no assets in the estate and you/the family has taken care of the ...
by 2stepsbehind
Fri Feb 20, 2015 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1807

Re: Should older workers omit graduation dates on resume?

What's the point of omitting? Once they look at you they'll know whether they're going to take things to a less superficial level. So why wait for the interview to be rejected on the basis of age, err "qualifications"? I think its better to do what is possible to spin age as an asset rath...
by 2stepsbehind
Fri Feb 20, 2015 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Should older workers omit graduation dates on resume?
Replies: 34
Views: 3189

Re: TradingPlaces' advice on travel awards

We're largely off-topic, but you can fly many international airlines using US-based programs as the major carriers have alliance and other nonalliance partners. The easiest way to accrue miles is through credit card sign on bonuses, not flying or daily spend. This is well worn ground if you care to...
by 2stepsbehind
Fri Feb 20, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

Well, I seldom fly any American airline, almost all my travel is abroad. Some of the asian airlines I flew don't even have customer service phone numbers that can be dialed from the US. That makes claims really difficult. I think this is a bit moot anyway, I don't fly frequently, usually one big tr...
by 2stepsbehind
Thu Feb 19, 2015 10:53 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I have one question on travel awards . Can you get travel insurance for travel award flights ? And how would the insurer pay you back I have never looked into travel insurance, but a number of credit cards (particularly a number of Chase cards) provide a limited form of travel protection if you pay...
by 2stepsbehind
Thu Feb 19, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I have one question on travel awards . Can you get travel insurance for travel award flights ? And how would the insurer pay you back ? I have been too sick to fly on about 75% of the departure dates, leading to several cancelled vacations, and some delayed. Because I know I am often sick, I always...
by 2stepsbehind
Thu Feb 19, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

Thank you very much for looking it up. I will now start experimenting with OW segments, different dates, and even Tokyo. Victoria No problem. Another thing I like to do is search Departure City to Ultimate Destination City so you can see the various routing possibilities (these will often reveal lo...
by 2stepsbehind
Thu Feb 19, 2015 6:43 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I will call United later, if needed. But first I want to try booking on line: Is "Multiple Destinations" the right way to look for stopovers? Victoria I find that it is generally better to work segment by segment. Does "segment by segment" mean three separate one-way trips? I ap...
by 2stepsbehind
Thu Feb 19, 2015 6:21 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I quickly checked flight availability (not rewards). United could not book me for WAS-TXL-GMP-WAS. I then checked two separate round trips: WAS-TXL-WAS and WAS-GMP-WAS. Both are ridiculously expensive in August. But the main issue, I think, is that United sends me to Seoul through the West Coast an...
by 2stepsbehind
Thu Feb 19, 2015 6:04 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I quickly checked flight availability (not rewards). United could not book me for WAS-TXL-GMP-WAS. I then checked two separate round trips: WAS-TXL-WAS and WAS-GMP-WAS. Both are ridiculously expensive in August. But the main issue, I think, is that United sends me to Seoul through the West Coast an...
by 2stepsbehind
Thu Feb 19, 2015 5:54 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

Victoria, If there's somewhere else in the same United region as Seoul (e.g. China) you'd like to visit in between Berlin and Seoul, you can do that with just the add'l cost of a one-way between that city and Seoul. For instance: Washington->Berlin (stopover) Berlin->Beijing (open jaw) Seoul->Washi...
by 2stepsbehind
Thu Feb 19, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

Victoria, If there's somewhere else in the same United region as Seoul (e.g. China) you'd like to visit in between Berlin and Seoul, you can do that with just the add'l cost of a one-way between that city and Seoul. For instance: Washington->Berlin (stopover) Berlin->Beijing (open jaw) Seoul->Washi...
by 2stepsbehind
Thu Feb 19, 2015 4:41 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

Or OW WAS-Seoul with stop in Europe and return Seoul-WAS with stop in Europe? You would need to research all possible permutations. United only allows for one true stopover (>24 hrs) although she might be able to return and have a long layover in Europe (<24 hours) on the way back from Seoul. If sh...
by 2stepsbehind
Thu Feb 19, 2015 4:27 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

US Air cards with 50,000 miles are still available. I received an offer in the mail this week and signed up today. And I do have a question: how long do you need to keep these cards before you cancel and are still able to keep the ff miles? Each airline or company has its own rules, which they will...
by 2stepsbehind
Thu Feb 19, 2015 4:23 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

After Louisville, I will be flying to Berlin. Is there any way to fly WAS-SDF via TXL {lauphing} Victoria And no, you aren't ready for TXL routings :) Enjoy! Now that my flights to Spain are purchased, I am looking at my other planned international travel in 2015. It includes: - 10-16 Aug in Berlin...
by 2stepsbehind
Thu Feb 19, 2015 3:51 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: How best to use gifted 25k. . .

I would also max our her Roth IRA for 2014 and 2015 before doing anything else. Her parents would like their D to have adequate retirement funds and right now hers are pretty meager. Am not sure what kids fund and car fund are. What does your W want to do? I'd think it should be a joint decision. D...
by 2stepsbehind
Wed Feb 18, 2015 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How best to use gifted 25k. . .
Replies: 25
Views: 1861

Re: TradingPlaces' advice on travel awards

[ I read it on the Frequent Miler blog. He has several blog posts about REDcard and numerous questions and answers in comments. I did not remember the exact place, and when I started searching for it, the FlyerTalk FAQ about REDcard came up. Almost at the top of the FAQ, there is an image of a tabl...
by 2stepsbehind
Wed Feb 18, 2015 4:37 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

VesperLynd, I think there's a misconception that one needs to find creative ways to unload a Redcard. You don't. There are 2 incredibly easy to ways to unload your Redcard. One is what Victoria said: just use the Redcard to pay off the credit card you loaded the Redcard from. The other is to link y...
by 2stepsbehind
Wed Feb 18, 2015 4:32 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: TradingPlaces' advice on travel awards

I see that several bloggers are pitching the Chase Sapphire Preferred card, but I am leery about following their suggestions because I know they receive kickbacks from the CC companies. The Chase UR cards are valuable because of their flexibility (points can be transferred to several programs 1:1),...
by 2stepsbehind
Wed Feb 18, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 143
Views: 8803

Re: How best to use gifted 25k. . .

Your retirement savings may be respectable, but hers aren't. I would first max out her Roth (for both 2014 and 2015 if 2014 hasn't been maxed out yet). I would also max our her Roth IRA for 2014 and 2015 before doing anything else. Her parents would like their D to have adequate retirement funds an...
by 2stepsbehind
Wed Feb 18, 2015 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How best to use gifted 25k. . .
Replies: 25
Views: 1861

Re: Wills/Trusts & Voices of Experience (not legal advice)

He convinced her to drop out of college and come instead to work for him in a job where she is picking up some skills, but without a degree.... He's more concerned with having her handle things in his business that she won't question, because she is young and naive. He is not the most ethical perso...
by 2stepsbehind
Wed Feb 18, 2015 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills/Trusts & Voices of Experience (not legal advice)
Replies: 12
Views: 1033

Re: Dealing with problematic tenants.

Honestly, OP you sound like a bit of a diva. Other than the smoke damage (to 30 year old cabinets), who cares if they are slobs so long as they are paying the rent in full and on time? You have not indicated that there are actually any pest issues, just clothes and odds and ends thrown about. If you...
by 2stepsbehind
Sat Feb 14, 2015 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 3351

Re: Do Bogleheads' Children Qualify For Need Based College A

Texas Hold Em, as far as I know, the only Ivy that includes loans in their FA is Dartmouth, and they limit it to $5k /year or thereabouts. That's the official line, anyway. You might disagree with their calculation of EFC, but IMO they're usually somewhere between fair and generous. There are paren...
by 2stepsbehind
Tue Jan 27, 2015 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3205

Re: How Many Credit Cards do you have?

I signed up for, and was approved for all, four more credit cards yesterday. Three have annual fees, the largest of which is $450 a year. :sharebeer :sharebeer other than amex platinum (100k offer?), what did you get? Chase Southwest Premier, 50k points. I don't fly SW but I will either give these ...
by 2stepsbehind
Sun Jan 11, 2015 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 46012

Re: How Many Credit Cards do you have?

WHL wrote:I signed up for, and was approved for all, four more credit cards yesterday. Three have annual fees, the largest of which is $450 a year.

:sharebeer


:sharebeer
other than amex platinum (100k offer?), what did you get?
by 2stepsbehind
Sun Jan 11, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 100
Views: 46012

Re: Helping adult child understand investing

If she's GS13, renting without a family to support: She ought to be maxing the TSP contribution, plus maxing an IRA, plus at least some after-tax investing. Things will start growing faster when she starts making a real effort at savings. A GS-13, step 1 depending on the locality makes roughly 82-9...
by 2stepsbehind
Sun Jan 11, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult child understand investing
Replies: 38
Views: 3412

Re: Do you generally spend more when using credit cards?

Many say that we tend to spend more over time if we use credit cards as opposed to cash. The statements about overspending are not hearsay but are based on controlled experiments that produced statistically significant results. However, I don't think you will get accurate responses here. Overconfid...
by 2stepsbehind
Tue Jan 06, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2745

Re: Do you generally spend more when using credit cards?

Many say that we tend to spend more over time if we use credit cards as opposed to cash. The statements about overspending are not hearsay but are based on controlled experiments that produced statistically significant results. However, I don't think you will get accurate responses here. Overconfid...
by 2stepsbehind
Tue Jan 06, 2015 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2745

Re: Finance My Son's Law School

To my way of thinking, there are other ways to teach our children good financial habits than burdening them with large educational loans. I am curious how one would teach their children that crushing loans are burdensome and to be avoided. I would think that making them obtain a burdensome loan and...
by 2stepsbehind
Sun Jan 04, 2015 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4496

Re: We made our own Will

We prepared our first wills using NOLO years ago when the kids were small. I studied all I could, but in the end I got cold feet and decided to take it to an estate lawyer to "look over and approve" - thinking by doing it myself I would save some bucks. The lawyer asked me several questio...
by 2stepsbehind
Thu Dec 18, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 3818

Re: Helping out family members

You cannot help any person if you don't know what went wrong with one's finance. Until s/he explains her/his situation and plan to get out of the trouble, you shouldn't rush to help him. Really? So before you donate to charity or volunteer at a soup kitchen you demand a proper accounting of the rec...
by 2stepsbehind
Thu Dec 18, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 4840
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