Search found 453 matches

by THY4373
Wed Jan 17, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 1477

Re: London/Paris Trip Questions

Also, travel light, take only one small overhead size bag for each adult. You'll probably ignore this and probably regret it later. :D Americans are used to escalators and elevators - be prepared to carry your suitcases up and down stairs for tube and train stations. Plus OP will be handicapped by ...
by THY4373
Wed Jan 17, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 1477

Re: London/Paris Trip Questions

Also one other huge thing to consider is cell service overseas. I find having a phone with a data plan almost required now. So much easier to navigate, look up restaurant reviews, use Uber (easier than a taxi with language issues), etc., etc. Either look into getting an international plan on your ph...
by THY4373
Wed Jan 17, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 1477

Re: London/Paris Trip Questions

Hi there! I have a few questions that I hope you can help me with. I am planning a 10-day trip to London and Paris this June with my family (2 adults & a 6 year old). We will split the time equally between the two locations. I have never been to Europe and literally know nothing about it. I did som...
by THY4373
Wed Jan 17, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire in Hawaii? Please Critique
Replies: 131
Views: 9630

Re: Can We Retire in Hawaii? Please Critique

maybe i don't understand this because i've only lived here for a little under a year, but why would you save up for a vacation when you live in paradise. If anything just buy a $200 round trip ticket to molokai or kauai and enjoy a nice, cheaper stay-cation. People's version of paradise vary consid...
by THY4373
Wed Jan 03, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2842

Re: When married, whose contribution should you prioritize?

[ That is great! In my own limited experience I had co-workers go through divorces with spouses that did not come off as cooperative but I'm glad to hear that this is not always the case. Yeah I suspect my ex and I are in the minority on that unfortunately. I suspect folks who go through good divor...
by THY4373
Wed Jan 03, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 114
Views: 8954

Re: Best 401k Employer Match Structure

Former employer of mine gave 10% of salary each year and it wasn't match (i.e., you could put nothing in and get the 10%) in addition they gave you the 6.5%(?) employer SSN match on the portion of your salary above the social security wage base + they redistributed the amounts forfeited by employees...
by THY4373
Wed Jan 03, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2842

Re: When married, whose contribution should you prioritize?

And to address OPs question I would argue it would be best to prioritize contributions to whichever spouse's funds have the lowest fees for the funds you want to invest in. That said a 50/50 split will likely be more "politically" acceptable.
by THY4373
Wed Jan 03, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2842

Re: When married, whose contribution should you prioritize?

Bingo and I am sure it was a mess sorting out the finances that have co-mingled after a long term marriage. Having just done this and with ex and myself both members of the two comma club post divorce it really isn't that bad as long as one you cooperate and two you use a neutral financial adviser ...
by THY4373
Wed Jan 03, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2842

Re: When married, whose contribution should you prioritize?

I would split evenly. I know a few couple in long term marriage who have divorced in retirement. I would never have guessed. In my experience retirement assets and indeed any assets earned during marriage are evened out during divorce and I think that applies for all states but I could be wrong. I ...
by THY4373
Wed Jan 03, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: State unfunded liabilities and buying retirement home
Replies: 13
Views: 974

Re: State unfunded liabilities and buying retirement home

From what i have read CA can be pretty aggressive in trying to prove you are a full-time resident when you aren't. I read an article, admittedly written by a CA tax lawyer so I am sure the stories were extreme cases but he related how one couple was hounded because they had subscriptions to magazine...
by THY4373
Sat Dec 16, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: US Postal Service Informed Delivery
Replies: 30
Views: 1889

Re: US Postal Service Informed Delivery

I was expecting a package yesterday from UPS so I stayed home all afternoon and evening. UPS's email says that it was delivered to my front porch at 5 PM, but the package is nowhere to be seen.... This has happened to me multiple times it usually shows up a day or two later. It seems to be the PO p...
by THY4373
Sat Dec 09, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2572

Re: Sweet Gum Balls

You are bringing back my PTSD on sweet gum balls. One of the absolute best pros of my divorce was being able to escape those darn sweet gum trees (wife bought me out of my share of marital house). I too would spend all winter with rake, leaf blower or lawn vac (they all had their pros and cons) to g...
by THY4373
Sun Nov 05, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: USAA membership loophole?
Replies: 11
Views: 2519

Re: USAA membership loophole?

Just keep that in mind and when you hear all these great things about USAA, don't kill yourself trying to get in or think that you're missing out on thousands of dollars in savings every year. Here's a previous discussion on the topic: https://www.bogleheads.org/forum/viewtopic.php?t=221278 +1 Upon...
by THY4373
Sun Nov 05, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: USAA membership loophole?
Replies: 11
Views: 2519

Re: USAA membership loophole?

My son's current girlfriend has USAA Insurance and she never served in the military. I believe her eligibility is through her father - who was not a career military person. USAA used to be more "officer" focused vs military focused. Commissioned officers from other federal services were (and I stil...
by THY4373
Thu Oct 26, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440787

Re: What's Your Credit Card Rewards Strategy?

1. Yes in both cases. Spouse can cancel or downgrade and have the AF refunded. Since you're still within 60 days of the AF posting, you can downgrade to another card and get the full AF refunded. I don't believe that is correct at least for outright cancellation (no idea on downgrade). Chase change...
by THY4373
Fri Oct 20, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 13518

Re: new 401(k) limits announced

my 'match' was completed in spring so not quite relevant to me personally, at that, a match doesn't count against the 18k I believe. That is correct the match doesn't count against the 18k (this year) or 18.5k (next year) limit. The issue is when an employer does a match on a per pay period basis l...
by THY4373
Fri Oct 20, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 13518

Re: new 401(k) limits announced

curious....lets say one automatically contributes $1800 a month from their paycheck which goes directly to their 401/403 custodian from the Payroll Dept at work. At your place of work does this 'automatically stop' at the 18k employee contribution point? (so one can't overcontribute) At my place of...
by THY4373
Sun Oct 08, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440787

Re: What's Your Credit Card Rewards Strategy?

Fraud liability coverage is for consumers, not businesses. Businesses are expected to carry insurance for fraud. You'll notice that even business credit cards carry the fine print that you won't be made whole during fraud and you'll have to file with your insurance. The fraud liability coverage thr...
by THY4373
Sun Oct 08, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440787

Re: What's Your Credit Card Rewards Strategy?

You're thinking of the reimbursement for the one who has had their card stolen, which is covered by EMV liability rules. I'm thinking of the entire transactions, including the gift cards purchased with the stolen credit card. This is more about the stolen gift cards than the stolen credit card. The...
by THY4373
Sun Oct 08, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2626

Re: Spouse gets blowouts?

It sounds like you are doing fine. Your wife and you probably need to work out some system that works for both of you. My soon-to-be-ex and I (money was never an issue in our marriage) worked out what we save and how we split ongoing expenses, the rest of each of our paychecks was ours to do with as...
by THY4373
Sat Oct 07, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440787

Re: What's Your Credit Card Rewards Strategy?

double post sorry
by THY4373
Sat Oct 07, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440787

Re: What's Your Credit Card Rewards Strategy?

I can see why Walmart has this policy of requiring cash or debit for a large gift card purchase though. What is one quick and easy way to convert a stolen credit card into cash? Use it to purchase a gift card and then liquidate the gift card or resell it on the Internet. That it is also a technique...
by THY4373
Sat Oct 07, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440787

Re: What's Your Credit Card Rewards Strategy?

Walmart charges $4.94 for a $500 card, so under 1%. Just a reminder in case it isn't in this thread the above is correct BUT Incomm/Vanilla cards are hard coded to be cash or debit only. The GreenDot and Sunrise cards can be purchased with CC though you may run into uninformed cashiers. Also pay at...
by THY4373
Sat Oct 07, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1638

Re: Combining spouses separate accounts into one joint account. Any downsides?

I might ask the question the other way is there any pressing reason to combine the accounts? Maybe it is just me but I don't find three vs one account at a single brokerage much to worry about. One other thing to consider nobody thinks they are going to get divorced but for sure I would not commingl...
by THY4373
Fri Oct 06, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected for Chase Ink Business
Replies: 7
Views: 941

Re: Rejected for Chase Ink Business

Incendiary wrote:
Fri Oct 06, 2017 9:20 pm
Is this to prevent churn and burn?
Yes it is one of many anti-churn mechanisms implemented by the banks. In some ways the toughest one though some might argue Amex's once in a lifetime bonus language is tougher.
by THY4373
Fri Oct 06, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4558

Re: How do you value your time?

If your free time is only worth what you earn working, why aren't you working a second job? If you are working as much as you need or want to, your free time is worth more than you earn, which is why you aren't working at that time. I agree with your sentiment to a point that at some level you cros...
by THY4373
Fri Oct 06, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4558

Re: How do you value your time?

My effective marginal tax rate is 45%. If I can spend $1 less, it's the equivalent of earning an extra $1.82 (=1/(1-.45)). Don't forget taxes when valuing DIY activities (mowing lawn, paying for parking, making own meals, etc). My marginal rate is a bit less than yours but I agree that has always p...
by THY4373
Mon Oct 02, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6940

Re: Are credit cards rewards worth it?

Nate79 wrote:
Mon Oct 02, 2017 6:04 pm

When I say very minor I mean in terms of annual income. Credit card spending as a percentage of annual income for me is maybe 30%.
All depends on how you do it. My credit card "spend" has (sometimes vastly) exceeded my annual income for the last five years.
by THY4373
Mon Oct 02, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6940

Re: Are credit cards rewards worth it?

"Manufactured spend" can mean you are pre-paying for bills and items you would normally buy. But, you can get caught in a spend trap and start buying things you don't need to earn more rewards. That is NOT manufactured spend. Prepaying bills and/or buying stuff you need (or don't need) is just regu...
by THY4373
Mon Oct 02, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1346

Re: Looking for advice on an automotive paint job.

Maaco generally has a horrible reputation. I have honestly never used them but I have seen a few of their paint jobs and was completely unimpressed. They are independently owned I believe so there might be some variation. I believe much of the cost in paint jobs is preparation and this is where they...
by THY4373
Mon Oct 02, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6940

Re: Are credit cards rewards worth it?

Absolutely credit card rewards are worth it to me. That said it is basically a second job to me both in the time I put in and the income I get out of it.

To those concerned about your credit mine is almost always over 800.
by THY4373
Mon Oct 02, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2499

Re: Federal Employee looking to move to Private sector..!

I left federal employment for federal contracting early in my career (in my first full two years--I interned summers and winters for several years before that). Personally I am in the I am glad I left camp. Obviously an employer as large as the Fed Govt is going to vary a lot but where I worked ther...
by THY4373
Sun Oct 01, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 4274

Re: For buying house: how do you know which schools are "good"?

I went to one of the best public schools in the DC area back in the 1980s and I am reminded of what one of my teachers said about the school: "If you cannot teach at this school, you cannot teach anywhere." His point, which was accurate, was the school's success was as much (more?) a reflection of t...
by THY4373
Sat Sep 30, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1252

Re: Luggage locks

I have never bothered with locks because I never put anything really valuable in checked baggage. More recently I have adopted the one bag/one world approach to travel which means I never check anything and only carry a small backpack that meets the tighter international carry-on specifications (it ...
by THY4373
Wed Sep 27, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3702

Re: Verizon TravelPass

That's interesting, but the point of recommending HERE or GoogleMaps is that they always work fine irrespective of data coverage, since when set to work offline they don't require data. No reception issues. No data cost issues. Yeah I use data for a whole lot more than just maps when I am out and a...
by THY4373
Wed Sep 27, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3702

Re: Verizon TravelPass

I have used Project Fi with a Nexus 6P (one, soon to be two generations behind current versions) in 10 countries in the least year. In general the service is seamless. However I did run into data issues in two countries. In Hong Kong to get data to work I had to drop down to 2G in the options and on...
by THY4373
Wed Sep 27, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3702

Re: Verizon TravelPass

Thank you! I have iPhone and unfortunately, it does not work for iPhone. :( Not quite accurate while likely a distinction without much difference, unlocked iPhones will work just fine with Project Fi with two major caveats. One, domestically you will be limited to T-Mobile (Sprint and US Cellular r...
by THY4373
Tue Sep 26, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4533

Re: Do you avoid risky adventures once you have the money?

You can look at the impact both ways. For some people wealth acts not as a damper on taking life's risks, but as an enabler of risk taking. Wealthy people pay hundreds of thousands of dollars to summit Everest. Wealthy people fly air balloons and go into the outer space. An American friend of mine ...
by THY4373
Mon Sep 25, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4533

Re: Do you avoid risky adventures once you have the money?

I am in my late 40s and to some extent my risk tolerance has gone up. While I certainly won't take what I think are "crazy" risks I also realize now that my time on this planet is limited and so for certain things I want to do/see before I die I'll take calculated risks because if not now when? It i...
by THY4373
Sun Sep 24, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6812

Re: Spouse Money Management

Another thing to keep in mind I am assuming she is still fairly young if in college and living with parents. While I am a pretty big saver these days I wasn't at all in college. I learned the value of dollar when I started working full time an realized what they took to earn. I changed a lot from my...
by THY4373
Sat Sep 23, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3461

Re: Older or younger people travel around?

I am 47 and I make three international trips a year (about 5 weeks total travel). I work for a living so that is all I can do leave wise. I traveled a fair amount when younger but mostly gave it up in my late 20s through early 40s as home ownership, building my career, marriage (leave was burned up ...
by THY4373
Fri Sep 22, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2856

Re: Set up a "reverse auction" to get a deal on buying a car

While I didn't do a reverse auction as such I did something similar for the one and only new car I ever bought in my life (it was for my wife at the time as I stick to used for myself). Anyway my experience was many dealers were not particularly responsive to bargaining over the internet (a lot spen...
by THY4373
Fri Sep 22, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 4001

Re: Luxury Car Purchase

That said, life is terminal and at 66 you will 'soon' die. I worked in the luxury motorcoach business and found that 82 seemed to be the maximum mark where people sold their RV's, started liquidating thier car collections, and significantly reducing their travel. There are of course exceptions, but...
by THY4373
Wed Sep 20, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5675

Re: Uplifted Driveway = No Home Owners Policy ?!

My understanding is that the insurance companies send people to look at the exterior of the house from the street and take pictures. Unless they find anything and send you a letter, you'll never know. They don't send you any notice unless they find something. Certainly possible but my house wasn't ...
by THY4373
Wed Sep 20, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5675

Re: Uplifted Driveway = No Home Owners Policy ?!

Try other insurance companies if you don't want to fix it. USAA never sent anybody out to my old house that I owned when it was insured with them (I rent now and they didn't send anybody to this place either but that is a little different).
by THY4373
Mon Sep 18, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4417

Re: Worth buying an excessive priced house?

ThankYouJack wrote:
Mon Sep 18, 2017 5:51 pm
highest priority to me is to live life to the fullest, not if I have 15x or 12x by age Y.
That is a pretty fuzzy priority. Hard to offer any real advice without knowing what your definition of living life to the fullest is. My definition is very likely quite different than yours.
by THY4373
Mon Sep 18, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4417

Re: Worth buying an excessive house?

Honestly this is really going to depend on what you want out of life. I am happy to pay extra for better schools. a good neighborhood and short commute. I made the mistake somewhat earlier in life in buying a big house with a big yard in a very nice neighborhood (it was an older custom built house)....
by THY4373
Mon Sep 11, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4697

Re: What do you do in slow travels?

wstrdg wrote:
Mon Sep 11, 2017 11:16 am
Atlas Obscura is a wiki-driven encyclopedia of quirky spots to visit, the types of things that often only the locals know about. www.atlasobscura.com/
I love Atlas Obscura I have visited some very cool places I wouldn't have otherwise.
by THY4373
Fri Sep 08, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 6357

Re: Purchasing Home With Girlfriend; Good or Bad?

I would think long and hard about this. I would only do it if there were a legal agreement between you and the girlfriend covering most contingencies. Things such as can one party force the sale of the property. What happens if you break up, etc. It is not something I would do unless I was sure I wa...
by THY4373
Tue Sep 05, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about drawing up a prenuptial agreement in California
Replies: 16
Views: 1986

Re: Questions about drawing up a prenuptial agreement in California

That being said this particular kind of tracing is bread and butter for divorce accountants and if you keep ALL account statements untangling the premarital portion of a 401k is easy (our situation was made even more challenging by some gaps in the records compounded by shifting plan administration...