Search found 1178 matches

by THY4373
Thu Oct 31, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8787

Re: How much do you plan to spend on your children's weddings?

What if they aren't interested in getting married, or if they want to buy a house long before they marry? I'm not trying to criticize your plan, just trying to understand it. Why not just give them the money at a set age? I agree with this totally. My son (my only child) will get a fixed gift from ...
by THY4373
Mon Oct 28, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 4975

Re: Travel hacking international flights

Travel hacking? Is that anything like shopping for bargains? Or is it more "awesome"? I think most people here prefer standard English. I must admit I was expecting "awesome" anecdotes about hacking into airline computers to get free upgrades and extra pretzels. To be fair there is what I would con...
by THY4373
Sat Oct 26, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6591

Re: How much does a "good school district" matter?

My ex went to a "bad" school district and I went to a top one. We are equally successfully in life though her path was much difficult and more complicated than mine (though that was not all due to the school district). She was so put off by public school she would only send our son to a private scho...
by THY4373
Sat Oct 26, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Bid on airline upgrade? (Icelandair)
Replies: 11
Views: 1014

Re: Bid on airline upgrade? (Icelandair)

Keep in mind that Icelandair business class is more like premium economy/domestic first class. Certainly nice but not the lie flat seats you'd get on most TATL flights in business class.
by THY4373
Fri Oct 25, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Security camera questions
Replies: 10
Views: 1200

Re: Security camera questions

... I use BlueIris software on a PC but DVRs will be similar and all of them should allow you view the remote recordings and fast forward/rewind them via a remote PC or phone app. My PC based recorder runs for months without any interaction from me so being remote is not a problem though I acknowle...
by THY4373
Fri Oct 25, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Security camera questions
Replies: 10
Views: 1200

Re: Security camera questions

How much data you are going to need is going to be dependent on the number of cameras, their resolution, their frame rate and the compression you chose. I think constantly streaming 4-8 cameras remotely (unless low resolution) would require a very fast connection and one that isn't capped think FIOS...
by THY4373
Wed Oct 23, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are federal health benefits worth postponing early retirement?
Replies: 53
Views: 4551

Re: Are federal health benefits worth postponing early retirement?

You need to look at your options and see what the alternatives are and then make a decision. You also need to consider that our time on this earth is truly a non-renewable resource and are those benefits worth seven more years of grinding away at a job for (assuming one doesn't have other reasons to...
by THY4373
Mon Oct 21, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Home buying advice: Build new or buy used?
Replies: 76
Views: 5459

Re: Home buying advice: Build new or buy used?

If applicable to your situation, just do what your wife wants. This advice drives me nuts and if somebody posted the reverse they'd likely be skewered. To OP there are so many variables here it is almost impossible to advise your generically. For example in many large cities closer in locations oft...
by THY4373
Sat Oct 19, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2004

Re: Photo Scanner (Recommendations Please)

I have spent years on and off scanning in photos from my family and I am lucky enough to have some that go back to the 1850s. I agree with others that flatbed scanning of photos gets old quick and is a huge time sink. What I have done is sort of split the difference between flat bed scanning myself ...
by THY4373
Thu Oct 17, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4420

Re: Good camera system to watch the nanny

I have a couple of cats and I travel quite a bit so I like to keep an eye on them. I have a mix of cameras (Amcrest, Zyxel, Foscam, and Hikvision) that I have installed around the house (most are wireless for networking but plug into wall for power, and the rest of power over Ethernet). I use BlueIr...
by THY4373
Tue Oct 15, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2603

Re: Home appraisal square ft less than Seller Listing

As mentioned likely the reason has to do with finished sq ft of basement. But in the end how much are you willing to pay is the value of the house. An appraisal is for the bank before they loan you money. It doesnt know all the details like certain repairs that you know it needs. You should have ta...
by THY4373
Sat Oct 12, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: highly compensated employee (HCE) Time bomb?
Replies: 91
Views: 8769

Re: highly compensated employee (HCE) Time bomb?

My ex is hit by this. She works for a megacorp and they use the salary definition provided by the IRS. They limit her to 10% per year. It sort of sucks because she is basically middle management and has no real influence of the running of the corporation and of course the folks who do run the compan...
by THY4373
Thu Oct 10, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: UPS lost my package worth $730 -- what do I do?
Replies: 20
Views: 3100

Re: UPS lost my package worth $730 -- what do I do?

Honestly this should be on the seller to resolve. This is why back when I still sold on Ebay I would make insurance mandatory if it wasn't an amount I was willing to eat. Also I think UPS will refund to whoever paid them for the shipping so if that wasn't you it will go to the seller. My take on thi...
by THY4373
Thu Oct 10, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4296

Re: Disadvantages of a bank signup bonus

On disadvantage of bank signup bonuses vs credit card bonuses is the former are taxed while the latter are generally not (there are some exceptions but those are generally bonuses that don't required spend such as referral bonuses).
by THY4373
Mon Oct 07, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 1003

Re: New Car vs Fixing old car

I am all for driving cars into the ground my last two were 15 and 18 years old respectively when I got rid of them but this is a pretty stiff price to keep your car on the road. If it were me I would price out what putting a used engine in would cost and I'd look at what a similar replacement used c...
by THY4373
Sun Oct 06, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6143

Re: Social Security Card as Identification for Real ID

I am just going to use my Global Entry card at least until I have to go into renew my existing DL. Edit: And one thing I find interesting is VA at least is requiring a whole bunch of stuff that wasn't required for either my passport or Global Entry. It was actually easier for me to get both of those...
by THY4373
Fri Oct 04, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

Please look at the photo of the packing cube backpack which is what OP asked about and my comment specifically addressed (not the Aeronaut or Synic), especially in the lighter weight fabric. https://www.tombihn.com/products/packing-cube-backpack?variant=18124789575 I would not wear such a backpack ...
by THY4373
Fri Oct 04, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

I have been looking at the Aeronaut 30L. What do you think of the new Synik 30 as an alternative? https://www.tombihn.com/collections/backpacks/products/synik-30?variant=15334842400831 I would be interested to hear more about your experiences traveling with the Aeronaut and the Packing Cube Backpac...
by THY4373
Fri Oct 04, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

Also look at the photos of the packing cube backpack. It is a rectangular packing cube with backpack straps. I would not use it. It would draw attention to you as a tourist in a way that might make you more vulnerable to crime or worse. Blending in is key to personal safety. Instead I have a $20 co...
by THY4373
Fri Oct 04, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

I have a Tri Star that I've taken on 20+ international trips now, works great and even got a begrudging nod of approval from a very alert Lufthansa agent in Cairo who was obviously skeptical about one bag travel. She didn't need a sizer. She could measure with her eyes. I had a similar event with A...
by THY4373
Fri Oct 04, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

Agree. I was laughing at son and wife dragging wheeled luggage across a half-mile of cobblestones while I walked comfortably with my bag on my back. I’ll never wheel again! Yeah I cannot stand rolled luggage now at all. It is so freeing to be able to go pretty much anywhere without worrying about l...
by THY4373
Fri Oct 04, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

I see some of the recommended carry-on luggage costs more than $300 a piece. What kind of expensive stuffs do you want to put in? I am willing to buy a small inexpensive carry-on bag or luggage (around $40 at Walmart), and buy whatever is needed at the destination. Different storkes for different f...
by THY4373
Thu Oct 03, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

A bit on the pricey side, but they are bomb-proof, incredibly well-designed, and made in the USA: Tom Bihn (https://www.tombihn.com/). The Aeronaut 30 would be perfect for you. I used its larger sibling (Aeronaut 45) for 2 weeks in Europe. While not a roller bag, it can be carried like a briefcase,...
by THY4373
Thu Oct 03, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7960

Re: Daddy I'm engaged! Pre-nup?

I read recently that parents should consider having their engaged kids sign a prenup and should have this discussion before they are even in a serious relationship. Any thoughts or experience on the matter? Thanks so much! Do you have a prenup in your marriage? I'm guessing not. To suggest it would...
by THY4373
Tue Oct 01, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4326

Re: Recommendation for Carry on Luggage

Keep in mind a lot of European airlines go by weight AND size. A roll aboard will eat up a lot of that allowed weight and is more likely to attract the attention of those who do the weighing. For that reason I use a Tom Bihn 30l Aeronaut as my one bag for traveling. So far it has never been weighed ...
by THY4373
Tue Oct 01, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: What are the styles or genres of home interior design?
Replies: 5
Views: 735

Re: What are the styles or genres of home interior design?

Off the top of my head

Art Deco
Art Nouveau
Adam
Georgian
Victorian
Federal
Edwardian
Colonial
French Empire
American Empire
Biedermeier
Craftsman
Scandinavian Modern

Those are just of the top of my head and some likely overlap with each other. I am sure there many, many more
by THY4373
Tue Oct 01, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 9424

Re: Car price ratio to NW

The last car I purchased appears to have been about .8% of my networth. Mostly because it was cheap. I am actually into cars but I am more in to travel and savings so the percent you pay for a car should be based on how important it is to you. Some years I spend more in travel than my car cost. I do...
by THY4373
Mon Sep 30, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1641

Re: 1950's blonde mahogany furniture

Are there any makers marks on the furniture? That would be where I would start.
by THY4373
Sun Sep 29, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6522

Re: Do you know what your partner spends money on?

This is going to vary by couple and there is no single right answer. When I was married (I am now divorced but money was not ever a problem with us and in fact our lawyers during our collaborative divorce couldn't believe how much we had saved). Anyway my ex and I basically decided on our savings go...
by THY4373
Sun Sep 29, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: 529 Qualified Expenses (K-12 Private School)
Replies: 9
Views: 287

Re: 529 Qualified Expenses (K-12 Private School)

You many want to look more closely at the 529 rules for your state. In VA with the state 529 plan they give you $4000 state tax deduction/per year for each account you have with the state 529 plan. Said plans give you a new account number if one (or more) of the following three factors is different ...
by THY4373
Thu Sep 26, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2512

Re: Financing house after divorce

I have been renting for three years since my separation and divorce and honestly it is one of the best things I have done post divorce even though I could easily afford to buy a place. For me the drivers are as follows: 1). It allows me to keep my costs lower. (I am willing to rent a cheaper place t...
by THY4373
Wed Sep 25, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Recommend A Travel Site
Replies: 16
Views: 1439

Re: Recommend A Travel Site

Your best option for cheap business class is going to be Using MR points and transfer to BA then to Iberia. Iberia flies MIA-MAD. This would cost 34k miles one way in business. Award availability is generally sparse on this route. No need to hop through BA to get to Iberia as MR transfers straight ...
by THY4373
Wed Sep 25, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Recommend A Travel Site
Replies: 16
Views: 1439

Re: Recommend A Travel Site

The suggestions above about Aeroplan and Iberia are good. British Airways usually have availability but you get hit with a ton of fees, especially if you start/end in England. You can use Iberia points on BA. As long as you are only transiting London my experience is Iberia charges lower surcharges...
by THY4373
Wed Sep 25, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Recommend A Travel Site
Replies: 16
Views: 1439

Re: Recommend A Travel Site

> 350k MR should be plenty to get 4 or more folks to Europe and back OP want to fly in business. Usually around 100K miles, off peak. I'm not sure what AMEX points are worth. Yeah I posted before coffee. Aeroplan is 55k one way in J. Iberia I think is similar. So 350k MR should be enough for three ...
by THY4373
Wed Sep 25, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Recommend A Travel Site
Replies: 16
Views: 1439

Re: Recommend A Travel Site

How many folks are you going with? 350k MR should be plenty to get 4 or more folks to Europe and back but you may need to avoid Delta. I suggest you look at Aeroplan (55k per person each way), Iberia, and Flying Blue for options. An awards booking service may be worth the nominal fee. Delta is about...
by THY4373
Tue Sep 24, 2019 5:35 pm
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 84
Views: 10869

Re: So, Wow [AA change after divorce]

I consider my job to be very secure, but you never know . . . 18ish years is a really long time and your health is also a risk factor in all this. Looking over my career 18 years was a completely different world from today. I am nearly 50 with plans to possibly retire in the 55-58 range. i am curre...
by THY4373
Tue Sep 24, 2019 10:46 am
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 84
Views: 10869

Re: So, Wow

OP, Your expenses are too high. Mom’s long term care 10k per month 1.5 million house with a LARGE mortgage. 4K child support Lots of expensive travel-25 countries Expensive Fiancé. Paying for medical school - you are nuts! She can get loans. You may not have anything left by age 68. It's all a choi...
by THY4373
Tue Sep 24, 2019 9:20 am
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 84
Views: 10869

Re: So, Wow

OP, Sell the house and early retired. This happened to one of my family members. He could not retire with his spouse. The spouse chooses to divorce him after 20+ years. Then, with 50% of the asset and he sold the house, he early retired. KlangFool +1 OP, you are now paddling your own solo boat. You...
by THY4373
Mon Sep 23, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2266

Re: Credit Card Points - Best options?

Actually the IHG card gives you 25 points per dollar spent at IHG for the first 12 months that you have the card and then 10 points per dollar after that. Plus the card gets you one free night a year (at any hotel up to a 40,000 point level) and in addition, when you redeem your points, you can get...
by THY4373
Mon Sep 23, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2266

Re: Credit Card Points - Best options?

I would at least get the IHG card since you stay at IHG hotels. You will earn 5x points plus there are bonus offers. It is my primary travel card. Points can either be IHG points or airline miles. Do you get more than the 1/2 a cent value that I have seen blogs value these points at? At 5x that is ...
by THY4373
Mon Sep 23, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2266

Re: Credit Card Points - Best options?

The lounge aspect of the Platinum is generally better than the Citi Prestige and CSR since you get Amex Centurion lounges and Delta lounges when flying Delta. The negative of the Platinum is that it doesn't give you access to non-lounge Priority Pass locations (e.g. restaurants). Wow, did not reali...
by THY4373
Mon Sep 23, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2266

Re: Credit Card Points - Best options?

To further define my needs: - Business $5K in flights booked to date using Southwest/Delta $10K in hotels booked to date using IHG $1.5K in transportation booked to date using Uber - Personal $1K/mo in food (grocery/eating out) $650/mo in bills $1K/mo in misc At the moment it sounds as though AMEX ...
by THY4373
Sun Sep 22, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2266

Re: Credit Card Points - Best options?

As noted above your best bang for your buck at least initially is to chase sign-up offers. If you don't want to do that then consider the Citi TYP ecosystem for your spend. The Citi Presitge will give you 5x points on dining, 5x points on airlines and also (though not well documented but confirmed b...
by THY4373
Sat Sep 21, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2594

Re: eBay Doesn't match Description or Photos or Missing Parts

redrocker wrote:
Sat Sep 21, 2019 8:39 pm

This is actually the second or third thread by OP on Ebay issues in the last couple of months involving at least two separate transactions/seller and I agree even knowing only OP's side of events I think he/she is part of the problem.
by THY4373
Wed Sep 18, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4065

Re: International Medical emergency story [travel to Canada, no insurance]

Thanks for the reply. Very strange. I thought the passport stamp is simply a record of you entering the country. Found this https://www.gands.com/knowledge-centre/firmnews/news-item/2017/05/17/canadian-immigration-officers-not-stamping-passports-anymore Interesting. It is not that uncommon. Hong Ko...
by THY4373
Mon Sep 16, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: T-mobile vs Google Fi for Internatioanal?
Replies: 31
Views: 2086

Re: T-mobile vs Google Fi for Internatioanal?

I would recommend staying far far away from Google Fi for your primary phone service. My experiences can be found elsewhere. Please, stick with a "real" phone company. In the states, when I had Fi I was connected to TMobile towers 90% of the time anyway. Except the service was terrible. Just to add...
by THY4373
Sun Sep 15, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Improving Lighting in a Dimly Lit Condo
Replies: 26
Views: 1671

Re: Improving Lighting in a Dimly Lit Condo

Two things to consider with recessed lights. One cutting holes in your ceiling and installing them may increase sound transmission especially old work units (those that are installed after drywall is put in). They tend to be neither airtight nor have much mass and so may increase sound transmission ...
by THY4373
Sat Sep 14, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1345

Re: Selling an old player piano and lots of song rolls

Why bring up Millennials? I'm GenX and have no space for a piano, much less a need or even a want. No disrespect intended. I have read many articles, including some BH posts, that describe millennials as being far less interested in "stuff" - brown furniture, china, fancy silverware, etc - than tho...
by THY4373
Fri Sep 13, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6409

Re: Whistleblowing / Going Rogue at Work

I agree. Unfortunately. Unless you know the new president to be a person of utmost integrity, I wouldn't meet with him. You have passed along information about a problem. It may be time to step back now and see if the new president takes action to clean up what you've reported. I also think it's ve...
by THY4373
Thu Sep 12, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9391

Re: How old is your cellphone?

I have a Nexus 6P that just passed the three year mark (I bought it near the end of the time it was for sale so it is actually four year old tech at this point). I'll probably replace with a Pixel 3aXL or 4XL this fall/winter when Google runs a deal. I have to replace the battery twice in it. The or...