Search found 1105 matches

by THY4373
Sun Aug 18, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: How to save on international business class fares for family
Replies: 29
Views: 2138

Re: How to save on international business class fares for family

I think folks have pretty much covered most points but I'll add a few. 1). Premium cabin space in my experience often has better availability around the holiday season because the drop off in business travel is often not made up by leisure travel in the premium cabins but this can be very route depe...
by THY4373
Sun Aug 18, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: How to save on international business class fares for family
Replies: 29
Views: 2138

Re: How to save on international business class fares for family

There’s discounts booking BA through AARP. https://www.britishairways.com/en-us/offers/partners/aarp-member-benefits Until BA retrofits its current fleet with the new business class they just unveiled for the A350, it's simply not a competitive business-class product, probably the worst long-haul b...
by THY4373
Sat Aug 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: BravoCon 2019 sold out in 1 minute
Replies: 8
Views: 875

Re: BravoCon 2019 sold out in 1 minute

Shmoocon an IT security conference in DC sells out in under a minute total (there are three rounds of ticket sales). This year is sold out in 19.66 seconds (total across three rounds). And note all tickets were "spoken for" in under a minute the purchasing and entry of user information and payment w...
by THY4373
Fri Aug 16, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3029

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

I visited Lisbon last year and it was was a wonderful city to visit and I thoroughly enjoyed my time there and look forward to going back and spending a bit longer on a future trip. If you get there make sure you take at least a day trip to Sintra.
by THY4373
Fri Aug 16, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 44
Views: 2094

Re: Buying an older used car - any new/different ideas?

A few strategies that have worked for me over the years are: Look for reliable but unpopular cars. Luxury clones of family sedans are sometimes cheaper than the family sedan they are a clone of especially when you want a fully loaded version. A lot of times you will pay pennies on the dollar for upg...
by THY4373
Fri Aug 16, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 3751

Re: Niece divorce and house

Thanks for the responses, and she engaged an attorney at the beginning of the process. My reason in asking for some insight is a tiny voice in the back of my head is telling me she might come to me (actually my wife) asking for money.... My wife and I already agreed on the answer, if asked, is no. ...
by THY4373
Thu Aug 15, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Niece divorce - house questions
Replies: 44
Views: 3751

Re: Niece divorce and house

…. best thing you can do is stay out of it completely - and it is impossible to answer right now as there is too many 'it depends' (which state, when the house was purchased, length of the marriage, etc). One thing I would say is that my MIL worked as divorce financial planner (specialized sub fiel...
by THY4373
Wed Aug 14, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 112
Views: 13827

Re: Are you a "solo ager?"

Not solo now, but who knows the future. In my observation of "solo agers", women seem to do better than men, on average. I think my wife would do better than I would. However, there are other differences in the average situation of such men and women in the "solo agers" situations. We only have one...
by THY4373
Wed Aug 14, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 112
Views: 13827

Re: Are you a "solo ager?"

changingtimes wrote:
Wed Aug 14, 2019 9:54 am
Every so often I do remind myself that having kids--or being married!--isn't a guarantee that you won't be mostly on your own during the aging process.
This is true my mother's best friend buried both of her children and her husband. Very sad.
by THY4373
Wed Aug 14, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 112
Views: 13827

Re: Are you a "solo ager?"

On the plus side... In almost 60% of elder abuse and neglect incidents, the perpetrator is a family member. Two thirds of perpetrators are adult children or spouses. -National Council on Aging Solo is not my chosen path, but there are benefits. That statistic while sobering may not tell you what yo...
by THY4373
Mon Aug 12, 2019 8:21 am
Forum: Personal Investments
Topic: Catch up Contributions
Replies: 10
Views: 757

Re: Catch up Contributions

I am guessing this only applies to a silver of folks who do mega-backdoor roths but my org sent me a letter last week pointing out that if I hit the 415(c) ($56k including employer contribs, trad/Roth 401k contribs and after-tax contribs) limit before I hit 402(g) limit (the $19k trad/Roth employee ...
by THY4373
Sat Aug 10, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 112
Views: 14764

Re: How do you afford to travel?

As far as points, I notice people never seem to mention how many dollars choosing points instead of cash has cost them. Points can be a good deal (points might be worth 500 bucks instead of the 250 cash you could have gotten) but they are only free if someone else is paying the credit card bill. I ...
by THY4373
Fri Aug 09, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Condo or SFH for frequently traveling family?
Replies: 15
Views: 1053

Re: Condo or SFH for frequently traveling family?

I live in a SFH that I rent and I travel internationally about 5 weeks out of the year though that is usually spread across 2-3 trips so I am not gone more than three weeks at once. It is honestly no problem. I lock my doors put a few lights on timers and go. I do have some cameras around my house t...
by THY4373
Fri Aug 09, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740636

Re: What's Your Credit Card Rewards Strategy?

Marriott can be transferred to valuable airline programs like Alaska which doesn't have any other transfer partner like UR or MR. That's my plan with my Marriott stash. Not quite true as I believe Diner's Club still transfers to Alaska but of course it is nigh on impossible to get a Diner's Club ca...
by THY4373
Fri Aug 09, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3123

Re: Have you skipped a flight segment to save on airfare?

Am I the only one that believes the airline should have no right to punish us for only using part of the product we pay for? If I buy a suit on clearance, does the store have a right to force me to wear both parts of the suit? It's ridiculous. After all, if we don't show for that second leg, they w...
by THY4373
Fri Aug 09, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3123

Re: Have you skipped a flight segment to save on airfare?

It only works on a one way fare, otherwise you’ll have your remaining leg back to college cancelled. Not quite accurate there is another use though it probably only makes sense for high priced tickets such as international business and first class. Another common use of hidden city ticketing to say...
by THY4373
Fri Aug 09, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?
Replies: 37
Views: 2870

Re: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?

Assessors can do weird things on square footage. The last home I owned I couldn't figure out how the assessor was coming up with their number. I looked at the houses around me and still couldn't figure it out. Finally I found a document that explained how they calculated square footage and it turned...
by THY4373
Fri Aug 09, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3123

Re: Have you skipped a flight segment to save on airfare?

Another risk is irregular operations. They might rebook you bypassing the intermediate stop that is your true destination. They only need to get you to your presumed final destination.
by THY4373
Thu Aug 08, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Credit Card Rewards and Transfer Bonus.
Replies: 58
Views: 2852

Re: Real Life Experience. Credit Card Rewards and Transfer Bonus.

Sky is the limit. There are alot of people more gung ho then me. My spreadsheet says I redeemed 1,956,473 points last year for an estimated $29,168 value in flights, hotels, rental cars, cash etc... That's almost exactly what you would have gotten as "cash back" with a 1.5 cent per point (cpp) char...
by THY4373
Wed Aug 07, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740636

Re: What's Your Credit Card Rewards Strategy?

Does anyone have any comment on the Aviana LifeMiles card ? It has good bonuses now. The card seems to be issued by Banco Popular in Puerto Rico, which is good in a way for those that have reached credit card limits with other banks. But it's also much smaller than the big issuers -- how solid and ...
by THY4373
Wed Aug 07, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740636

Re: What's Your Credit Card Rewards Strategy?

I also have several hundred thousand UR points. Best value has been transferring to Hyatt (and Marriott). Points transferred and used has exceeded 10 cents per dollar spent (to earn the points) at Hyatt and 8-9 cents per dollar at Marriott. I am just going to say those are some incredible values no...
by THY4373
Wed Aug 07, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740636

Re: What's Your Credit Card Rewards Strategy?

I had the Plat a while back and got frustrated with how crowded the Centurion lounges are, but they are nice for a quick stop in. I also liked the other benefits the card had. I just hate all of the hoops you have to jump through to get the "credits" to make the fees worth it on the card. Any sugge...
by THY4373
Tue Aug 06, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8051

Re: Extreme Anxiety with Time/Money

OP I used to love home improvement but like you I would stress over things if they were imperfect and the list of things to do would always get longer. I hated outsourcing somewhat because of cost but mostly because doing all my due diligence to do get somebody good often took a lot of time on its o...
by THY4373
Tue Aug 06, 2019 5:15 pm
Forum: Personal Investments
Topic: Divorce: itemizing and TLH
Replies: 7
Views: 778

Re: Divorce: itemizing and TLH

My ex and I divorced on good terms. She owns a place and I by choice, not circumstances, choose to rent. Part of our divorce agreement is that we pay our son's direct costs (school tuition, school supplies, clothes, etc.) based our share of our combined income the previous year (e.g., if I make 55% ...
by THY4373
Sat Aug 03, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Older used car with low miles or newer used car with higher miles
Replies: 37
Views: 2230

Re: Older used car with low miles or newer used car with higher miles

Will do good wrote:
Sat Aug 03, 2019 9:57 am
David Jay wrote:
Fri Aug 02, 2019 8:02 am
I love 3 year old cars with 100,000 miles. This can only be accomplished by driving a lot of highway miles. And they almost give them away.
Good insight, didn't think of that.
That has also been my theory however with Uber and the like that theory may be less accurate than it once was.
by THY4373
Sat Aug 03, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Older used car with low miles or newer used car with higher miles
Replies: 37
Views: 2230

Re: Older used car with low miles or newer used car with higher miles

I tend to buy higher mileage newer cars. Something in the 70-80k range generally and usually 3-5 years old. I keep them until they are 15-18 years old. I am not a huge driver (work from home most days) so the cars basically get too old before they are used up by mileage use. Hence why I tilt towards...
by THY4373
Thu Aug 01, 2019 10:55 am
Forum: Personal Investments
Topic: Divorce- Help with Present Value Pension Calculation
Replies: 20
Views: 2089

Re: Divorce- Help with Present Value Pension Calculation

Not a Federal pension but my pension had a cash balance. My ex and I treated that as the same as a traditional 401k balance and then when we split assets and I essentially bought my spouse out of my pension by giving them some extra of my 401k. For us that was the best because it was a clean break. ...
by THY4373
Wed Jul 31, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Renter Forever?
Replies: 68
Views: 6175

Re: Renter Forever?

I had those darn Sweet Gum trees at the last house I owned. I think my renting may be in part due to them. Their only redeeming value is they are the host for the beautiful Luna moth https://en.wikipedia.org/wiki/Luna_moth . However the few sightings I had for them didn't make up for the hours and h...
by THY4373
Wed Jul 31, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Renter Forever?
Replies: 68
Views: 6175

Re: Renter Forever?

As noted by others OP you should search previous threads here and make your own assumptions/judgements/calculations. This is at least as much a lifestyle choice as it is a financial one. Also everyone, myself included, tends to come at this topic with their own anecdotal lens from their life's exper...
by THY4373
Wed Jul 31, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Renter Forever?
Replies: 68
Views: 6175

Re: Renter Forever?

I strongly believe that buying a home that is similar in monthly payment to something you would rent is highly preferable than being a lifelong renter from a financial standpoint as it fixes your housing cost (vs renting increasing with inflation for the rest of your life) and once your home is pai...
by THY4373
Mon Jul 29, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7090

Re: Uber Without Smartphone

I agree with others I do not feel the need to reply instantly to texts if I am otherwise busy. I have told folks if they need me urgently or at night to call my cell (I have texts silenced at night when I am asleep).
by THY4373
Mon Jul 29, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7047

Re: Do you buy the highest trim car ?

Generally I buy the highest or near the highest trim model. However I am normally buying used so usually paying pennies on the dollar for all that extra stuff. Sometimes the highest trim level commands a premium or is rare and in which case I'll generally not go for that one but one just below. And ...
by THY4373
Sat Jul 27, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Caught in Between Insurance and Airlift Company
Replies: 21
Views: 1794

Re: Caught in Between Insurance and Airlift Company

Out of curiosity, what type of flight was required that is costing 500k? Private plane from Far off location to the US with full medical staff? Yes. From the Caribbean's to a US hospital with medical staff (a nurse and her assistant). The insurance thinks $500K is too much. It says the cost should ...
by THY4373
Sat Jul 27, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 145
Views: 15069

Re: Do you buy new or used cars?

With one exception during the great recession when used car prices were pretty crazy I have always bought used. I generally look for a reliable but rapidly depreciating domestic manufacturer sedans in the 3-5 year old range. I then drive them into the ground going until they are 15-18 years old and ...
by THY4373
Sat Jul 27, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Selling A Car
Replies: 19
Views: 1528

Re: Selling A Car

I agree with a poster above that Craigslist is probably good for cheaper/older cars. Nothing stopping you putting a newer higher priced model on there because it is free but I would look at alternatives. I have sold older think 15-18 year old cars on Craigslist and it was pretty hassle free honestly...
by THY4373
Fri Jul 26, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: I Pay a city tax but I no longer work and live in the city
Replies: 14
Views: 2459

Re: I Pay a city tax but I no longer work and live in the city

You probably need to look up the law and see what it says. I know some years ago NY state was collecting taxes from teleworkers in other states teleworking for employers in NY state unless certain criteria were met. At least a number of years ago the courts had upheld this no idea if this is still t...
by THY4373
Sun Jul 21, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Phone options when traveling out of country?
Replies: 25
Views: 1902

Re: Phone options when traveling out of country?

Switch to Google Fi. I love Google Fi. My son and I have used it as our primary/only phone service for about three years. It has been rock solid for me. We aren't huge data users since I have wireless at home and work and he has it at school (and when he is at my and ex's houses). I have used in 30...
by THY4373
Sun Jul 21, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Approach to airline compensation
Replies: 14
Views: 1552

Re: Approach to airline compensation

Yeah separate tickets are always a risk and I say that as one who frequently uses them. That said was your separate onward journey on AA or antoher Oneworld carrier? If so I am pretty confident that an undocumented feature of AA is that they will protect you on separate tickets that involve AA or an...
by THY4373
Sat Jul 20, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 50
Views: 3727

Re: How to get rid of a piano?

My ex-wife when we were married took a "free" old piano that worked because my son was learning to play. It cost $400 to move using a proper piano mover in our medium cost of living city. My son's playing pianos lasted about two years. Well around the end of those two years I noticed a lot of my woo...
by THY4373
Sat Jul 20, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 67
Views: 4710

Re: Trans-Atlantic Flight Delayed 12 Hours

I think the moral of this story isn't to buy travel insurance. The moral of the story is to not use dodgy airlines like Condor when you have to be somewhere at a date certain. Travel insurance can get you your money back, but it's not going to get you on a cruise ship before it departs. If it had b...
by THY4373
Thu Jul 18, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Rant - 401k contribution mysteriously dropped
Replies: 10
Views: 1262

Re: Rant - 401k contribution mysteriously dropped

Your first post is confusing. The 56k limit (plus catch-up if over 50) is the total limit for trad/Roth/employer matches/after-tax non-Roth contributions if your employer allows it. Also noted elsewhere at least for my plan there is not a separate contribution setting for catch-up. I can set my trad...
by THY4373
Mon Jul 15, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7421

Re: I think i can spend 30k on this vacation, but wife not sure

Honestly OP is probably wise to avoid this as he/she might find out they like travel and then do more of it (I have this problem). It is awesome as heck but I could save more if I didn't do it. Still we only go around this crazy world once so I might as well enjoy it as long as I am not putting my f...
by THY4373
Sun Jul 14, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to get record of old international wire transfers ?
Replies: 1
Views: 153

Re: How to get record of old international wire transfers ?

The only options if you don't have the records is to ask either the sending bank or the recipient/recipient bank to provide the records if they have them. Seems like a long shot to me as 15 years is a long time ago for things like this. Not sure what the retention guidelines are for financial record...
by THY4373
Sun Jul 14, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7421

Re: I think i can spend 30k on this vacation, but wife not sure

This is the second thread in the last three or so days like this, I guess it must be the season to plan expensive trips. To OP I make less than you and have less saved. I still save 40% of my income (which is less than the dollar amount you are saving) and I spent at total of $15k on three internati...
by THY4373
Sun Jul 14, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Should I knowingly buy a fake antique?
Replies: 26
Views: 2618

Re: Should I knowingly buy a fake antique?

I wouldn't have a problem buying a fake/reproduction though on principle I might have an issue with dealing with someone knowingly lying about it (not saying that is the case here). That said given the protections Ebay gives buyers you will almost certainly be taking little risk even if dealing with...
by THY4373
Fri Jul 12, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1765

Re: Is any type of marriage counseling partially covered by Health insurance?

My employer's EAP would have covered some marriage counseling but my now-ex and I wanted to have more control over who we got so we just went ahead and paid out of pocket vs being referred to somebody. I also don't know how much coverage it would have given us. My (ours at the time) insurance wouldn...
by THY4373
Fri Jul 12, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1765

Re: Is any type of marriage counseling partially covered by Health insurance?

Depends how honest you want to be. You can probably find a counselor to say you're getting 'anger management ' or 'depression' counseling as a couple. I/we didn't feel okay about doing that and just paid for our marriage counseling. If you hold a government clearance I would absolutely not do that....
by THY4373
Thu Jul 11, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7869

Re: Has anyone inherited a obligation/burden/responsibility?

My sibling and I have no children, so we are trying to find archives to donate them to. It will be one of my retirement projects. It does feel like a burden sometimes. Honestly unless they have major historical value you are probably better off selling them to a collector assuming they have any fin...
by THY4373
Wed Jul 10, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2226

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

I am pleasantly surprised at the number of successes reported here but great to see.
by THY4373
Wed Jul 10, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Retirees, did your level of luxury increase faster than you anticipated?
Replies: 47
Views: 5086

Re: Retirees, did your level of luxury increase faster than you anticipated?

I am not retired quite yet but watching my parents who have more or less been retired for a couple of decades I have noticed: They spent a lot of a money on upgrading and maintaining house. Upscale kitchen, major new addition and getting everything fixed up to essentially outlast them. Seems a commo...