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Re: Vehicle for tall people/Spouse wants 50k car help!

If the car is primarily for your wife, then what does it matter that you'd be uncomfortable in it after 2 hours of driving? If you are unlikely to drive it that often, you might just consider getting a cheaper luxury vehicle that fits her well and rent a car for other situations.
by 2stepsbehind
Thu Apr 23, 2015 7:58 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5488

Re: Dealing with tourists taking photos. Etiquette question

On my most recent trip I was amazed at the growing trend of "selfie sticks" in use. Kinda pathetic if you ask me. :? Would you prefer for solo travelers to always have to inconvenience others to have pictures from the trip or do you prefer the more "authentic" selfie look of onl...
by 2stepsbehind
Wed Apr 22, 2015 7:10 am
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 3635

Re: How to allocate inheritance proceeds?

Your plan looks like a good one. Just want to add sorry for your loss and don't feel like you need to do everything right away. Take time to grieve and when you are ready, figure out what the plan should be going forward. What are the exact funds on your 401k? That may give people ideas on what shou...
by 2stepsbehind
Tue Apr 21, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance proceeds?
Replies: 16
Views: 1229

Re: TradingPlaces' advice on travel awards

They do.
by 2stepsbehind
Sat Apr 18, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: TradingPlaces' advice on travel awards

Glad to hear you booked! LoL: regarding the dangers of flying. I am also tempted by those offers a lot, but I can't really say I was ever able to take advantage of those: (1) it is hard to make those trips when working, (2) up until recently I was not a US Citizen, and traveling pretty much everywh...
by 2stepsbehind
Thu Apr 16, 2015 11:17 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: Cost of College & Weighing the Merits of Top Schools

At the end of the day, if you make under 100-120k and your kid gets HYPS, it is an excellent deal. On the other end of the spectrum, if you have the money and you can't imagine any more creative uses for it, there is nothing wrong with pulling full freight for HYPS or any number of other highly rega...
by 2stepsbehind
Sat Apr 11, 2015 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16668

Re: What is Sammy Savers net worth?

Any response outside of $1 million is nonstandard. If sammy died tomorrow he could leave $1 million to charity, not more or less. No, he could leave $1 million + the proceeds of the sale of his house minus any associated real estate fees. I think the $1 million figure listed above understates his n...
by 2stepsbehind
Sat Apr 11, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3651

Re: Prenup Poll

I think it would help if you made the potential responses less loaded. What does it is a financial, not a marriage relationship issue mean? I happen to think it is both a financial and a marriage relationship issue in the sense that it will test their ability to communicate and their ability to comp...
by 2stepsbehind
Sat Apr 11, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup Poll
Replies: 5
Views: 412

Re: Prenup

The irony is right now on the board another (somewhat less popular) thread exists https://www.bogleheads.org/forum/viewtopic.php?f=2&t=163312 where the following advice appears to be de rigueur: "Get a will. Do you really want the state determining your personal representative and the dispo...
by 2stepsbehind
Sat Apr 11, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Prenup

Most of the agreements I have seen are not designed to 'make the partnership work" , that is why they are routinely "sprung" on the weaker party right before a wedding. That certainly does not represent best practices and any good lawyer in this field should know that proximity to th...
by 2stepsbehind
Sat Apr 11, 2015 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Prenup

Its just a procedural example. I'm actually trying to see if there is a analytical middle ground between the " Its all MINE MINE MINE you worthless Baggage !!! on the one side and " any prenuptial agreement is a bad idea and a corruption of marriage " on the other IMHO people work ha...
by 2stepsbehind
Sat Apr 11, 2015 1:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Prenup

I apologize for lack of clarity in the question and fully accept that this is a fair answer albeit not to the question I thought I asked I was actually asking the question of whether it was possible to reduce the uncertainty by providing for post hoc analysis, not merely provide an arguably fair so...
by 2stepsbehind
Sat Apr 11, 2015 1:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Cost of College & Weighing the Merits of Top Schools

Case in point: law. Potential employers aren't going to pay one iota of attention to where you got your BA. Yes and no. Law school is absolutely a filter and cut-off for law firms in a way that undergraduate school is not. But undergraduate school is still considered. All other things being equal, ...
by 2stepsbehind
Sat Apr 11, 2015 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16668

Re: Prenup

There are plenty of existing threads on the subject, and the community is divided on the subject. I think a little over half the people here are in favour of prenups for a number of reasons. The other half are against prenups for sentimental / ideological reasons. . Wow, does that go with "fai...
by 2stepsbehind
Fri Apr 10, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Best US city to spend Xmas

SJG wrote:Know a guy who tried Bethlehem at Xmas. No rooms anywhere. Ended up staying in a manger.


Well played.
by 2stepsbehind
Fri Apr 10, 2015 5:07 am
 
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2335

Re: Prenup

There are plenty of existing threads on the subject, and the community is divided on the subject. I think a little over half the people here are in favour of prenups for a number of reasons. The other half are against prenups for sentimental / ideological reasons. . Wow, does that go with "fai...
by 2stepsbehind
Fri Apr 10, 2015 4:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Cost of College & Weighing the Merits of Top Schools

I have taught at HYPS . . . and the difference in resources, faculty attention, and the student body is tremendous. Yes, many students at other universities are impressive, but virtually all of the students at HYPS are. Yeah that was not my experience as a TA leading several sections of undergradua...
by 2stepsbehind
Thu Apr 09, 2015 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16668

Re: TradingPlaces' advice on travel awards

If you looked at the Freedom terms and conditions for last quarter you would have seen that Walmart and Target were specifically excluded from the grocery store promotion.
by 2stepsbehind
Wed Apr 08, 2015 10:43 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: [how to handle a $100] purchase from Guatemala?

gasdoc wrote: (I don't have a way to call international.). :happy


Skype? A good ole fashioned phone card from the grocery store, drug store, or local bodega?
by 2stepsbehind
Sun Apr 05, 2015 6:49 pm
 
Forum: Personal Consumer Issues
Topic: [how to handle a $100] purchase from Guatemala?
Replies: 24
Views: 1621

Re: Manufactured Spending - Good Idea / Bad Idea?

You don't consider getting 4 credit cards/year, a big deal? You sentence The miles must be strategically accumulated with the airlines and suitable flights must be found. is the key. Have you actually added up the time you have spent doing this? Including all the time spent asking questions here an...
by 2stepsbehind
Sat Apr 04, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: The Credit Card Game

Hi 2stepsbehind... I've received close to 20 cards since starting with this. I use the Frequent Miler blog for guidance. He and his team list the most lucrative sign up offers...I've been applying for those offering north of 25K in points. If you have a different source that might include cards mis...
by 2stepsbehind
Thu Apr 02, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2965

Re: Failed Aeroflot booking: What to do?

BREAKING NEWS! A blogger MillionMileSecrets has recently recommended a new cheap airline WOWAir. For the fun of it, I checked flights from Baltimore to Berlin and Copenhagen. Berlin is not available on the dates I want, but a round trip BWI-CPH can be mine for mere $635,77. These are direct flights...
by 2stepsbehind
Thu Apr 02, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: Failed Aeroflot booking: What to do?
Replies: 48
Views: 2576

Re: Failed Aeroflot booking: What to do?

when is this flight? my go to response would be earn more miles.
by 2stepsbehind
Thu Apr 02, 2015 10:29 am
 
Forum: Personal Consumer Issues
Topic: Failed Aeroflot booking: What to do?
Replies: 48
Views: 2576

Re: Manufactured Spending - Good Idea / Bad Idea?

As I stated above, I think the low hanging fruit is worth picking in the MS game -- 5% card spend on sales/deals (esp VGCs), Are you referring here to getting a 5% rebate when using a credit card to buy Visa gift cards? only way I know to do that is with Chase Ink? others? thanks chase freedom had ...
by 2stepsbehind
Thu Apr 02, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: The Credit Card Game

Barefootgirl wrote:At this point, I think I've applied for and received every card out there with a decent sign up bonus (25K to 80K mostly)
....

Anyone see something here that I do not? comments much appreciated...


Something tells me you haven't. Which cards have you gotten?
by 2stepsbehind
Thu Apr 02, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2965

Re: Reorganizing credit cards and accounts

Thanks for the pointers, but I already have enough to do with my hobbies and interests and don't care to spend time trying to manage credit card miles on three alliances. That's fine, but just like some people prefer not to manage their own investments, there will be a cost associated with that dec...
by 2stepsbehind
Tue Mar 31, 2015 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3012

Re: Reorganizing credit cards and accounts

Hotels can be a great value as well. Spending on my SPG card is essentially getting me 8.3% back on every purchase since the rooms I'll be booking in NYC early 2016 are $999/night or 12,000 points. I'm getting back 2.9% on my Hyatt card for the rooms I'm booking in Hawaii this fall (5.8% at restaur...
by 2stepsbehind
Mon Mar 30, 2015 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3012

Re: Reorganizing credit cards and accounts

The last time I used AA miles (last May) I couldn't get seats from Miami to Atlanta for a trip to the Smoky Mountains. To use the miles we had to fly to Charlotte with a three hour layover and then fly to Asheville. Took almost nine hours to get to the Inn (checking bags would have delayed getting ...
by 2stepsbehind
Sun Mar 29, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3012

Re: Reorganizing credit cards and accounts

Interesting exercise.... it seems to me that unless a card pays cash back rewards on your purchases there isn't much reason to have or use it. Well here is a fairly common example: the Citi AAvantage Platinum Visa-- when signing up the first year you get 50,000 AA miles for $3,000 worth of spend; t...
by 2stepsbehind
Sun Mar 29, 2015 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3012

Re: Reorganizing credit cards and accounts

IMHO if you're misplacing "a few" cards you have too many. I wonder how well someone who misplaces the physical cards will regularly monitor all the accounts. I might even wonder if (s)he even knows all the accounts (s)he has. But maybe that's just me. :shock: If you collect miles/points ...
by 2stepsbehind
Sat Mar 28, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3012

Re: Reorganizing credit cards and accounts

... 1a) Locate the physical card ... This one causes me a bit of consternation. Are you implying you don't know where all the cards are? Hopefully that's not the case. But if it is it's questionable if you should have any credit cards. Meh if you have enough cards it is not uncommon to misplace a f...
by 2stepsbehind
Fri Mar 27, 2015 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3012

Re: TradingPlaces' advice on travel awards

Lots of places to buy Redbirds online safely. Well yeah for $30 mostly. Not worth it for me. Anyway, seems like they'll be limited to being loaded with an AMEX soon. Thankfully I didn't invest $30 in that. Well your mileage may vary. If one does the 5k max per month even just using a 2% card you'd ...
by 2stepsbehind
Fri Mar 27, 2015 6:59 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: Manufactured Spending - Good Idea / Bad Idea?

Now we're engaging in the absurd. I strongly disagree that you have to be generating 100k of spend per month to be "manufactured spending." I think if you did a poll on flyertalk you'd see that most people are in the 5-25k range.
by 2stepsbehind
Thu Mar 26, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: Manufactured Spending - Good Idea / Bad Idea?

You have quoted the wrong post, JeffroZ. I clearly agree with you. See my posts.
by 2stepsbehind
Thu Mar 26, 2015 7:44 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: College funding

They reside in Indiana and while I am not privy to their financial situation, they both have very good paying jobs, my guess is they will be on track in 18 years for their daughter not to be eligible for financial aid. Ed Indiana has a great tax credit offered (20% of contributions to a CollegeChoi...
by 2stepsbehind
Thu Mar 26, 2015 7:39 am
 
Forum: Investing - Theory, News & General
Topic: College funding
Replies: 10
Views: 1061

Re: Manufactured Spending - Good Idea / Bad Idea?

Interesting. I have cards from BOA and Discover and have never received a 1099.
by 2stepsbehind
Thu Mar 26, 2015 7:26 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: Manufactured Spending - Good Idea / Bad Idea?

Some sign up bonuses will 1099 you. It's hit or miss who does it but check other forums. As far as I know no credit card issuers have issued a 1099 for credit card sign on bonuses; the bonuses are considered a rebate on purchases. Bottomline OP, if you have to ask/aren't comfortable with what you'v...
by 2stepsbehind
Wed Mar 25, 2015 10:17 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: TradingPlaces' advice on travel awards

Let me look on my end. What dates? I saw it for 19-23 August. Victoria Yeah I see it on my end, odd. United is known for their phantom availability, but I see it on Aeroplan as well. It could just be the csr. For fun, you may just want to call again and see if someone else can find it. :twisted:
by 2stepsbehind
Tue Mar 24, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: TradingPlaces' advice on travel awards

Let me look on my end. What dates?
by 2stepsbehind
Tue Mar 24, 2015 7:51 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: TradingPlaces' advice on travel awards

Congratulations, Victoria. I'll just add that you've learned another big rule in the frequent flyer community--when a csr doesn't see what you see, you HUCA--hang up (politely of course, also recheck your work) and call again. ETA: Surprises me that the second csr found flights you were not able to ...
by 2stepsbehind
Tue Mar 24, 2015 6:52 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: Manufactured Spending - Good Idea / Bad Idea?

Most people manufacture spend to qualify for a sign on bonus and/or generate miles that they then plan to redeem for business/first class flights or luxury hotels where the value would top 2%
by 2stepsbehind
Mon Mar 23, 2015 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9509

Re: TradingPlaces' advice on travel awards

I'm going to repeat myself and suggest that if people are really interested in manufactured spending they follow the relevant forum/threads on flyertalk or the blog frequentmiler as opposed to here where there are fewer people engaged in this hobby and therefore more likely that incorrect informatio...
by 2stepsbehind
Sat Mar 21, 2015 8:26 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: TradingPlaces' advice on travel awards

Great points, 2stepsbehind! Your United guide is great, and I have to revisit it several times for it all to sink in. I am chuckling at your categorical response that Option-2 should not even be on the table. Over night, I started contemplating Option-3: a round trip to Seoul and foregoing the Euro...
by 2stepsbehind
Fri Mar 20, 2015 6:33 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: TradingPlaces' advice on travel awards

Thank you, madbrain, I have a few questions for you and others who may know: 1. Did you try to call airlines and book these trips through customer service representatives? 2. Did you end up paying (using miles) for each leg separately? 3. Do you think you would have had a better outcome if you book...
by 2stepsbehind
Fri Mar 20, 2015 6:25 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: TradingPlaces' advice on travel awards

I am trying to make a rewards-based reservation on United Airlines as follows: 1) IAD-FRA 2) FRA-NRT 3) ICN-DCA From what I've read, I can treat it as a round trip Washington ( IAD/DCA ) to Tokyo ( NRT ) with: a) stop over in Frankfurt ( FRA ) and b) open jaw at the destination, i.e., arrive to Tok...
by 2stepsbehind
Fri Mar 20, 2015 6:15 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 221
Views: 63603

Re: Really confused about Roths

(1) Move tIRA into TSP. (2) Husband contributes max (18k) to t401(k); I contribute max to tTSP. (3) Continue saving for college ($500/month into 529). (4) Meet down payment savings goal (note: we already have a six-month EF). (5) Use "extra" savings, likely from husband's year-end bonus, ...
by 2stepsbehind
Fri Mar 20, 2015 6:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Really confused about Roths
Replies: 16
Views: 2537

Re: Large Loan Debt, Need some advice

That being said, I personally (barring any major capital gains) would use my taxable account to pay off some off some of the debt and make an effort to get that debt gone. No way should the OP be doing this before getting married. And get a prenup. And what would you suggest the prenup say if he's ...
by 2stepsbehind
Thu Mar 19, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Loan Debt, Need some advice
Replies: 24
Views: 1841

Re: Help! Career Advice needed!

I cosign all the posters questioning the OP's machinations/the status of a relationship where one person feels the need to nag/cajole and attempt to direct the other's career. That said, I'm going to go back to teaching which appears to be HER interest. Has she (or you I guess for that matter) looke...
by 2stepsbehind
Thu Mar 19, 2015 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Career Advice needed!
Replies: 20
Views: 2015

Re: Wealthy cardholders prefer cash-back rewards

It's not unusual to have a signup bonus for 50k miles, and not unusual for the only FF tickets available (at least for non-elite customers) to be 50k miles, often first class. Admittedly that fare would be more than $400, but the fact is that I wouldn't pay dollars for first class, so really the on...
by 2stepsbehind
Fri Mar 13, 2015 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Wealthy cardholders prefer cash-back rewards
Replies: 33
Views: 4329

Re: Capital One seemed happy to lose me as a customer?

I have gotten Capital One to credit me the $59 for the last couple of years. Rather than give them a song and dance about switching to a new card and expecting them to beg me to stay, I simply asked whether I could get a fee waiver or statement credit and they obliged. I am not a heavy user of the c...
by 2stepsbehind
Thu Mar 12, 2015 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 4037
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