Search found 1211 matches

by THY4373
Fri Jun 26, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Going Thru Divorce
Replies: 41
Views: 6554

Re: Going Thru Divorce

SQRT wrote:
Fri Jun 26, 2020 9:19 am
Things do get better. Good luck.
+1 I went through an amicable divorce but it was still the toughest thing I have ever gone through bar none. But things really do get better over time. Hang in there.
by THY4373
Fri Jun 26, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Going Thru Divorce
Replies: 41
Views: 6554

Re: Going Thru Divorce

5. Find someone that aligns with your own financial goals. Or maybe go down the path of having an awesome solo life? There is far more to life than romantic relationships. Not everybody who is single (I prefer solo) wants a romantic relationship/partner. I was married for 16 years and went through ...
by THY4373
Thu Jun 25, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: 2007 Lincoln Town Car declared totalled
Replies: 13
Views: 1447

Re: 2007 Lincoln Town Car declared totalled

You might also consider a Mercury Grand Marquis of the same era, production of those stopped in summer 2010 and they are more plentiful on the used market in my area vs. Town Cars. Similar sized car with a soft ride and soft seats. Yep the Crown Victoria, Grand Marquis and Town Car are all based on...
by THY4373
Wed Jun 17, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Valuable antiques that don't fit your aesthetic?
Replies: 23
Views: 1004

Re: Valuable antiques that don't fit your aesthetic?

If you have truly historic pieces, you can donate them. People often make the mistake of thinking that museums only take expensive items. But a lot of things (usually not furniture) that have a great deal of history behind them may not seem valuable to you (and may not fetch a high price at auction...
by THY4373
Sun Jun 07, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 9
Views: 1255

Re: Passport Renewal

My minor son's passport is in the same limbo. Submitted in late February. Got processed enough to show up on the status page but has since disappeared. I figure it will be a couple of more months. Kills any chance of an international trip this summer though I not sure that was in the cards anyway. I...
by THY4373
Sun Jun 07, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: California home - divorce
Replies: 35
Views: 4071

Re: California home - divorce

Y'all need a mediator, if not two lawyers. A lot can happen if both parties agree, but if the split is hugely unequal, the judge may decide the party with the lesser share is overwhelmed, if not coerced. two lawyers? that sounds expensive, dang.... If minor kids and/or significant assets are involv...
by THY4373
Sun Jun 07, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: California home - divorce
Replies: 35
Views: 4071

Re: California home - divorce

Consider a collaborative divorce vs mediation. My ex and I largely agreed on things and the collaborative process worked for us and kept lawyers fees down since the lawyers do not have the incentive to keep the fight going for more fees. I agree with the others here if kids and significant assets ar...
by THY4373
Sun May 24, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1597

Re: Best credit card perks besides cash/points?

However this site has some very useful information https://thepointsguy.com/ I am not one to complain much about CC/Travel bloggers but TPG has really sold out (great for him and his company which has done very well but there is more bias there than a lot of other blogs since the company is paid la...
by THY4373
Wed May 13, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6451

Re: WFW (Work from Wherever)

Tread carefully. Time spent working in another country (even for a US employer) may eventually subject you to personal income tax reporting requirements and possibly liability in the country of your physical presence. It could also trigger liability and/or reporting requirements for your employer, ...
by THY4373
Fri Apr 17, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1574

Re: Pixel 3a or Wait for New Iphone?

I got a Pixel 3A XL I got for $259 or $279 I cannot remember last November. I love it. Camera is amazing and I can go 2.5 days between charges. Does everything I need. I have a Apple iPhone 11 from work and I prefer my Pixel but then I am an Android person. I think the decision would be down to more...
by THY4373
Thu Mar 26, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Cruise Cancellation
Replies: 62
Views: 6222

Re: Cruise Cancellation

Potential turmoil in the travel industry could impact the ability to recover your funds, even with "insurance", I wouldn't wait too long. This! If you are a in a position to get cash out now strongly consider it. The travel industry is starved for cash and they are increasingly making harder to get...
by THY4373
Sun Mar 22, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

I bought a non-refundable ticket for my son to go to Europe mid-May (a study abroad trip, now canceled). Via Ovago, British Airways, but the actual airline is Aer Lingus. Which sent me an e-mail suggesting a voucher for full value of the flight plus 10%. I would much rather get cash, but no such op...
by THY4373
Sat Mar 21, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4600

Re: [Work From Home] - What does your company pay for?

My company provides the following: Dedicated laptop for home (I also have one in the office). 2 x 24" monitors (they give out 27" now but mine were acquired when the standard was 24") Router that establishes VPN to corporate network (my laptop appears as if it was on the company LAN). Avaya hardware...
by THY4373
Wed Mar 18, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Cruise cancelled [take refund or future credit?]
Replies: 51
Views: 2715

Re: Cruise cancelled [take refund or future credit?]

Refund no question. We haven't hit bottom yet we have no idea how long the cruise industry will be down or if they will survive.
by THY4373
Sun Mar 15, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

Also have a Delta flight next week booked through the Chase portal with Ultimate Rewards, I assume the cancellation will have to be on Chase's behalf which is not happening on their phone lines, secure messaged them though. Hoping to get my UR posted back to Chase. Correct Delta generally won't and...
by THY4373
Sun Mar 15, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

I have cancelled more flights for March than I thought was possible: 1. Maybe 2. DrukAir (Bhutan flag carrier in case you are wondering) 3. Partial (75% per their terms) (this was a cash booking) 4. Email (only way to contact them) 5. Email was the only option and they responded quickly confirming r...
by THY4373
Sun Mar 15, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

TravelGeek wrote:
Sat Mar 14, 2020 7:33 pm
Are you booked on the Acela or a slower regional train?

Acela is canceled. https://www.cnbc.com/2020/03/07/amtrak- ... virus.html
To be clear a specific, non-stop Acela service has been cancelled. Most Acelas are still running.
by THY4373
Sun Mar 15, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

Yes. or visiting national parks without typical crowds Honestly this is about the ideal thing to do if you want to travel at this point. Easy to maintain distance and the like. Assuming they stay open this is probably a fairly low risk. Or go do some back country camping and come back in two months...
by THY4373
Sun Mar 15, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

It's not the cost of the flights that's enticing. The thought of being able to explore, say, Venice without having to deal with crowds and basically having the city to yourself - that's what's really tempting. Venice without crowds sounds delightful. Venice without crowds, in a locked down country ...
by THY4373
Sun Mar 15, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

Not even, credit cards backstop airline bankruptcies (or they did in the past). Also plenty of airlines have gone through bankruptcy in the US in the past (USAir did it twice and still with us in the sense it merged with AA) and kept flying and issuing refunds and the like. I consider the risk of t...
by THY4373
Sun Mar 15, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Trip to South America. How to cancel?
Replies: 5
Views: 490

Re: Trip to South America. How to cancel?

We have a trip through cheapoair using Latam airlines to Peru. I checked cheapoair's website numerous times and they do not have a policy for full refund due to coronavirus. The trip is in May We are planning to wait it out since cancellation now get us back only $400, out of the original $2000 we ...
by THY4373
Sat Mar 14, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Expedia Flight Refund Coronavirus
Replies: 12
Views: 2662

Re: Expedia Flight Refund Coronavirus

Even the CFAR coverages are sometimes excluding COVID-19 claims if the policy was purchased after a certain date. It's like waiting until after there is a named hurricane and then trying to get the policy. And unfortunately, some of the insurers are using a date that was earlier than many of us "ci...
by THY4373
Sat Mar 14, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: Expedia Flight Refund Coronavirus
Replies: 12
Views: 2662

Re: Expedia Flight Refund Coronavirus

Bought policy in December when I got the ticket Reason is not so much COVID but the conference for which I was going was cancelled. Read the details carefully as in my experience a lot of things you would think would be covered are not, unless you got the more expensive cancel for any reason policy...
by THY4373
Sat Mar 14, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

op Aerial Wombat is thinking of it: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=305349 Hopefully he/she got there before China instituted this policy.... CHINA (People's Rep.) - published 13.03.2020 1. Passengers who live in or have been in France, Germany, Iran, Italy, Japan, Korea (Rep....
by THY4373
Sat Mar 14, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

This is new, the reality is that not a single person knows what will happen with this virus. Of course it is no better than an an educated prediction. I was just trying to get in front of the assumption in some quarters that a couple or more weeks of closing schools, closing borders and the like an...
by THY4373
Sat Mar 14, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

I should also add for those who are cancelling for a voucher that you consider the health of the airline. I have no doubt some airlines aren't going to make it out of this. It might be better to take your lumps now and get something back vs voucher that might become worthless if the airline goes out...
by THY4373
Sat Mar 14, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

I am. Looking at some trips over the summer - if conditions are still bad, will just move them out further / take a refund. I'm guessing the current airline policy will still apply if conditions are the same or worse. Not worried about ethical quandries - we aren't going anywhere for months, so wou...
by THY4373
Sat Mar 14, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 2972

Re: Anyone taking advantage of extremely cheap flights?

I am seeing "unicorn" award availability all over the place right now. Trips that would be very high on my list are quite possible now at least theoretically. Putting aside issues of whether one should travel or not at this point the biggest issue I have is the situation changes almost daily. Each d...
by THY4373
Sat Mar 14, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

My advice to folks is if you don't like the current deal the airlines are offering that you wait and see how things play out. The airlines are slashing schedules and the number of border blocks and travel "bans" is growing. There is a high probability in my opinion that something will happen to your...
by THY4373
Sat Mar 14, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14456

Re: Coronavirus Flight Cancel Thread

I need to cancel an Amtrak trip from D.C. to NYC. on March 23rd. Amtrak allows to change reservations without penalty. But I don't have the date to change it to. Any tips on talking with Amtrak to get a refund? Victoria Not a great solution but I have been kicking out a reservation I don't need a c...
by THY4373
Sun Feb 02, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Forging an old photo
Replies: 25
Views: 2557

Re: Forging an old photo

I have scanned and I am in possession of many 1000s of photos from my family from the 1850s through the modern day. Basically I have at least a couple of samples of everything but Daguerreotypes (I do have ambrotypes). As somebody else said it is going to come down to your audience. I don't consider...
by THY4373
Tue Dec 31, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - 529 Plans
Replies: 45
Views: 5917

Re: SECURE Act - 529 Plans

I was about to post this exact same question. I’ve completed school, and have about 9900 left in student loans. It seems like I should open an account for myself, fund it for max state tax deductibility (4K in Virginia) and then pay the loan from that. Any leftovers I can just give to my kids. Actu...
by THY4373
Sun Nov 24, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19753

Re: Help: Husband's Surprise Debts

At a minimum, it seems like a good therapist could help you examine this marriage and explore your options. +1 I too was going to suggest therapy it helped both my ex and me when we went through an amicable divorce (we did both individual and couples therapy). It wasn't cheap but it was money well ...
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: 10451

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: 5614

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: 7484

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: 1222

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: 1429

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: 1429

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: 60
Views: 6580

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: 6297

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: 2384

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: 4939

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: 3373

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: 9953

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: 3355

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: 4869

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: 1145

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: 7174

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: 4942

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 ...