Search found 768 matches

by THY4373
Tue Nov 20, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Side Business Idea feedback please: Road Warrior School
Replies: 8
Views: 827

Re: Side Business Idea feedback please: Road Warrior School

I am not a road warrior but I am track to have racked up low seven figures of points/miles this year so I am a points enthusiast. I think this is an interesting idea and BH may not be the best place to get advice because we tend to be DIY type folks. Personally I have been doing this for years and h...
by THY4373
Sun Nov 18, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 44
Views: 4108

Re: How to charge much higher than Credit Card Limit

Most if not all Visa Signature and Infinity cards have no preset spending limit. They just require payment back down to your credit limit when the statement cuts. No preset limit is not the same as no limit. The cards all have limits but yeah you can probably exceed you stated limit by some degree ...
by THY4373
Sun Nov 18, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 44
Views: 4108

Re: How to charge much higher than Credit Card Limit

As a followup to my original posting - I did speak with Chase Rep on this very same issue and asked how can I pay a much larger amount than available credit limit. She explained that all I need to do is: Charge, pay, charge, pay and keep repeating. Rep was quite sure that this is not a red flag and...
by THY4373
Thu Nov 15, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6615

Re: Wait, do I need a prenup?

I think Mouse's point is the man may have taken the action that precipitated the dissolution of the marriage (cheating, abuse, etc.) even though the woman was ultimately the one that filed in at least some of those cases. I agree it is complicated. In my case (I am male) I was the one that pushed f...
by THY4373
Thu Nov 15, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6615

Re: Wait, do I need a prenup?

No its not. Those are simply words regurgitated during a ceremony. The state does not care if you stay together, forever, till death do you part. Thats the influence of whatever club you belong to. Those words are not part of the legal binding document you signed. I didnt have a prenup, but I dont ...
by THY4373
Wed Nov 14, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1055

Re: Mobile cellular hotspot for low data use

Google's Project Fi soon to be Google Fi only charges you for the data you use. However I don't think they have any data only plans. But if you moved your voice service over to them you could get up to five free data only SIMs to use or use your phone as a hotspot. My data charge is about $2.50 - $3...
by THY4373
Wed Nov 14, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4629

Re: How to deposit cash in online account with no local branch

As others have stated the simplest solution is probably to buy a money order. My recommendation would be to purchase a Western Union money order (or orders if you got above max value) from a grocery store and then deposit that money order(s) via mobile deposit. Should be less than a $1 fee per MO at...
by THY4373
Mon Nov 12, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Is it safe to keep using a phone after it stops receiving security updates?
Replies: 8
Views: 828

Re: Is it safe to keep using a phone after it stops receiving security updates?

I am going to continue to run my Nexus 6P now that I have finally found a decent replacement battery to replace the defective one that neither Google or Huawei would address (very common problem with 6P). I am very good now at taking the 6P apart and putting it back together. I am going to monitor t...
by THY4373
Sat Nov 03, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: selling overseas on ebay
Replies: 8
Views: 665

Re: selling overseas on ebay

I don't sell on Ebay with very rare exceptions at this point (not worth my time anymore as I have more profitable uses of my "free" time) but when I did, I did ship internationally fairly extensively but I did it selectively. For items that were relatively easy for me to ship (smaller/lighter) and f...
by THY4373
Thu Nov 01, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5228

Re: People with older car, share your unusual repairs

The weirdest repair I am aware of in an older car is my best friend who in the mid-1990s owned a 1978 Cadillac Seville (the one based on the old Nova). Despite its age it had multiport fuel injection and a analog computer running the fuel injection. By the mid-1990s it was having drive-ability conce...
by THY4373
Wed Oct 31, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: How hard to pull off this South Africa trip independently?
Replies: 13
Views: 559

Re: How hard to pull off this South Africa trip independently?

I have zero insight into South Africa, it is on my to do list but haven't got there yet, but in countries with relatively poor infrastructure I have generally hired a driver and guide from a well rated local agency. Basically I come up with what I want to do, research local agencies and then send th...
by THY4373
Wed Oct 31, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11032

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

I moved from a HCOL to LCOL area and I am ahead (at least I think so it is hard to know where one's career might have gone if I had stayed in a HCOL area). I think this is going to be so highly dependent on the particulars of your situation that it is going to be hard to generalize. I do think that ...
by THY4373
Wed Oct 31, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3354

Re: Planning first international trip - London/Paris

Personally I would try to go longer if you can. If I am going to Europe with minimal exceptions I am going to go longer than a week. If you stick with six days I would pick one city and just do it. This is even more so due to Brexit, I think things could very well be messed up especially since no ag...
by THY4373
Sat Oct 27, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Grands to London/Paris w/Smithsonian Journeys (Perillo Tours)
Replies: 12
Views: 1218

Re: Grands to London/Paris w/Smithsonian Journeys (Perillo Tours)

I also vote for independent travel. I have traveled to both cities (London more than once) with my son and my niece and they loved the fact we could pick out things they wanted to do vs being stuck with a group. I travel extensively independently with my son not just to these two cities (did Japan, ...
by THY4373
Fri Oct 26, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: How to sell a nice professional office desk?
Replies: 12
Views: 1083

Re: How to sell a nice professional office desk?

A couple of thoughts. One this stuff is going to probably have a small market (probably somebody who works from home) and thus it may take a while to sell. If you can afford to wait then your price seems reasonable to me for somebody who works from home and has bought office furniture. But if you ar...
by THY4373
Mon Oct 22, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2527

Re: 2019 Chrysler Pacifica Hybrid

One thing I will say is that we should have been told that below a certain temperature (from our experience 35 degrees or so) the car tends to run off gas almost all the time. This is an undisclosed quirk and if we didn't live in central Virginia it could be quite annoying. I wonder if garaging mak...
by THY4373
Sun Oct 21, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Globus Journeys - tour group
Replies: 8
Views: 607

Re: Globus Journeys - tour group

No experience with the tour company (I pretty much do self travel or hire a private guide/driver if going to someplace like Egypt where the infrastructure isn't so good) but I loved Portugal when I was there this January (I prefer to hit Europe in the off season these days).
by THY4373
Sun Oct 21, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6051

Re: Pull kids from school for vacations?

I took my son out of middle school a couple of years ago so we could go to Jordan. Summertime in the desert would have been shall we say far less than ideal and December was also less than ideal. It was totally worth it for my son to see Petra, Wadi Rum, and Gerash and also see how some kids in the ...
by THY4373
Sun Oct 21, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 45
Views: 5847

Re: CA property tax > $10K, any options to deduct all?

HEDGEFUNDIE wrote:
Fri Oct 19, 2018 6:02 am
What exactly is “spiritual” about going to a county clerk’s office to get a government document??
+1 You have have the legal without the "spiritual" bits and the "spiritual" without the legal bits.
by THY4373
Sun Oct 21, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Card/Account churning to prevent investment tinkering?
Replies: 15
Views: 1754

Re: Card/Account churning to prevent investment tinkering?

Churning cards and bank accounts will impact your credit score. Churning bank account *may* impact your credit scores. Unless they bank/CU does a hard pull it won't and most don't. For others this can be avoided by opting out of essentially overdraft loans. But yes for some institutions a hard pull...
by THY4373
Sun Oct 21, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Card/Account churning to prevent investment tinkering?
Replies: 15
Views: 1754

Re: Card/Account churning to prevent investment tinkering?

OP as noted by others here it is pretty risky to be assuming credit card debt in order to invest in thing that may lose value. Back in the mid-2000s when interest free offers were a time a dozen and it was easy to get 6% in FDIC insured accounts, I used to use balance transfer offers to fund high yi...
by THY4373
Fri Oct 19, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 40
Views: 3415

Re: Has anyone taken out an online mortgage?

It has been a while I haven't owned real estate for a few years but in the previous 15 years I used USAA (not competitive, horrible service surprisingly ), PenFed and Costco and had no problems other than USAA which was outsourced at the time I think.
by THY4373
Fri Oct 19, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7271

Re: Just Divorced -- Need Help

You lost 50% of your assets. How is that not a nuclear bomb? I mean, I’m glad you’re positive about everything. Except as noted by others I didn't loose 50% of "my" assets in the divorce. My wife made pretty much the same as I did so she more or less earned half of what we split in the marriage. I ...
by THY4373
Mon Oct 15, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: British Airways AVIOS Points
Replies: 9
Views: 593

Re: British Airways AVIOS Points

The BA website was having issues showing AA award availability earlier this year I think during the summer. If you searched BA website then for AA flights you would have seen little or nothing. That said AA availability is not always the best to put it mildly.
by THY4373
Thu Oct 11, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7271

Re: Just Divorced -- Need Help

You would probably get better answers over on creditboards or some other forum that specializes in cc debt and credit issues than you will here. In addition to interest you need to pay attention to any balance transfer fee. These are often on the order or 4% or more paid upfront even if the interest...
by THY4373
Sun Oct 07, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: apply for cc with frozen credit
Replies: 10
Views: 1144

Re: apply for cc with frozen credit

HereToLearn wrote:
Sun Oct 07, 2018 9:41 am
I agree about only needing to unlock for a day or two. Citibank is another that requires unfreezing all three.
I haven't heard of Citi hitting all three bureaus but perhaps they do in some situations. Citi and Chase have hit me on two though but it is inconsistent.
by THY4373
Sun Oct 07, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3807

Re: Should I take a pretty big pay cut to become a diplomat?

I was a foreign service brat growing up (my dad was a very successful FSO). I was born into it so I didn't really have any experience of a normal childhood. My take is it was an overall positive experience that gave me a lot of skills and valuable experiences in life but it was not without its costs...
by THY4373
Sat Oct 06, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3013
Views: 591415

Re: What's Your Credit Card Rewards Strategy?

Barclays is no longer accepting applications for the Arrival Premiere, the monstrosity of a card that was correctly coined as the "Dead on Arrival" card. I thought it was funny that they said they would no longer be accepting new applications when no one is actually applying for the card, so I don'...
by THY4373
Fri Oct 05, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2259

Re: Carry On Luggage Recommendations

If you are physically able to do so I find an over the shoulder carry on bag optimal. Tom Bihn Tri Star and Western Flyer are some examples. I walk through airports quickly and go up stairs when I can instead of taking moving sidewalks, elevators, and escalators. Light packing helps too. I seldom t...
by THY4373
Fri Oct 05, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2259

Re: Carry On Luggage Recommendations

Not if you learn how to pack light. I use a small backpack with enough clothes to go 3 days. All hotels everywhere have washing machines either in house or close by. My bag will go under the seat in front of me. The same stuff goes with me whether I'm going for 3 days or 3 months. +1 I have travele...
by THY4373
Mon Oct 01, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6907

Re: New Relationship - Best way to handle finances?

OP I'll just join the chorus to have a completely frank discussion about finances with your girlfriend ASAP. The only right answer to this question is what works for the two of you assuming you can come to an agreement. Personally I see a lot of red flags here but then we are only getting one side o...
by THY4373
Mon Oct 01, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3652

Re: Used Car on Lot for Year and a Half

My current car is a Lincoln MKZ that I bought used that had been on the dealers lot for like 9+ months. In fact they were right at the point where they were going to be forced by their finance company to sell it at auction. Basically they were a BMW dealer and I don't think this the Lincoln appealed...
by THY4373
Mon Oct 01, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 44
Views: 4108

Re: How to charge much higher than Credit Card Limit

I have been in the credit card rewards arbitrage game for years and my advice about overpaying your credit card is that it is not the zero risk proposition some folks make it out to be up thread. First as noted issuers may or may not increase your effective CL based on over payment in fact it may va...
by THY4373
Sat Sep 29, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1967

Re: cell phone plans--google fi?

Another fan of Project Fi here. My son and I are both on it and our combined cost is less than $50/month on the family plan. We are almost the ideal customers for it. I work from home most days (have wifi of course), my office has guest wifi and my son's school has guest wifi. So for the bulk of our...
by THY4373
Wed Sep 26, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3013
Views: 591415

Re: What's Your Credit Card Rewards Strategy?

AAdvantage has a number of issues depending on your purposes. TATL it can be hard to avoid BA and their insane YQ fees on tickets plus you have to deal with Heathrow. Iberia is sometimes better but much more limited gateways from US. And if you need to connect to another US domestic airport to catch...
by THY4373
Tue Sep 18, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25539

Re: What is your single most expensive mistake?

Marriage was my most expensive mistake in financial terms. However, I made out relatively lightly (ex-spouse made close to what I made) so it was a low six figure cost overall (between asset transfers and divorce costs). That said I got my son out of it and I think going through a marriage was unfor...
by THY4373
Mon Sep 17, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Generator Natural Gas Line/Hookup
Replies: 7
Views: 857

Re: Generator Natural Gas Line/Hookup

How often does power go out and also knock out gas flow? Can the generator run on propane as well so maybe a tank for backup if you lose natural gas flow? or just go with diesel if you are really wanting a backup? Probably depends on where you live. On the East Coast where it is mostly weather even...
by THY4373
Mon Sep 10, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs. Prepaid tuition
Replies: 4
Views: 633

Re: 529 vs. Prepaid tuition

In your opinion, is it ever better to do a prepaid tuition plan rather than a 529? Not enough information and a lot is going to depend on the details for a particular state and your assumptions of the future. In VA when I ran the numbers with my assumptions the VA529 plan beat out the prepaid plan ...
by THY4373
Sat Sep 08, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2343

Re: Video Game Collection

Collectibles like this tend to be strongly correlated to generations. Basically when a particular generation reaches its earnings peak it will buy up all the stuff it wanted in its youth (the hot cars of the time, the music collectibles, etc.). At some point that generation wants to unload but the f...
by THY4373
Sat Sep 08, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4274

Re: Switching Careers - From IT to Police Officer

I work in IT and have for a couple of decades I have found a spot where the stress is pretty manageable. Some random thoughts for you. Have you thought about going into computer forensics (I do computer incident response and forensics)? I know a lot of law enforcement agencies have a hard time attra...
by THY4373
Sat Sep 08, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Hilton Honors
Replies: 15
Views: 2015

Re: Hilton Honors

My view is Hilton is the best program for the casual traveler who is doing say 20-30 days a year of travel if you have one of their credit cards that gives elite status. I travel about that amount a year mostly on my own dime. Though I often travel to places that have no Hiltons (or indeed any other...
by THY4373
Sat Sep 08, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Hilton Honors
Replies: 15
Views: 2015

Re: Hilton Honors

When I was working and traveling, I was an exclusive HH guy. Ultimately I hit the grand prize for points, a trip anywhere in the world and a hilton hotel for one week. Hmmm, only problem "everywhere" was sold out for the prize. Eventually, I got someone to talk to me and they said to make the reser...
by THY4373
Sat Sep 08, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3195

Re: Is it sensible to buy a car from Elon Musk?

I would not buy because of their anti-DIY sentiment. I have been doing most of the repairs and maintenance on my cars for more than three decades and don't intend to stop. Yes I am aware of the hacker community and watch RichRebuilds from time to time but I refuse to support a company so anti-DIY on...
by THY4373
Thu Sep 06, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4989

Re: To Be or Not to Be...Married

PinotGris wrote:
Thu Sep 06, 2018 2:20 pm
I disagree! It is ALL about fiance, taxes, inheritance, estate. If it is only about love then one can commit to exclusive relationship, monogamy, without any ceremony, church, or religion.
+1 And I think we do folks a disservice by down playing the economics of marriage.
by THY4373
Fri Aug 31, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: New, pseudo unlocked phones on Ebay
Replies: 14
Views: 1049

Re: New, pseudo unlocked phones on Ebay

I believe I have read that Verizon only locks the CDMA portion of the phone on some of their newer handsets (the Verizon network is CDMA). So the GSM portion is unlocked. That is probably why these handsets are this way.
by THY4373
Thu Aug 30, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3253

Re: Piano for a child

If you get an older used wooden piano my advice is to inspect it for carpet beetles. My ex-wife got a free piano in seemingly good shape from a family at my son's school. Fast forward a year and I noticed some of my wool clothes has insect holes. Thought it was moths got some traps never caught anyt...
by THY4373
Thu Aug 30, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1693

Re: How to Sell Antiques?

I have heard that antiques are not "in" right now but it's possible that some of the pieces might have some appeal for a designer. Here's an example of something like we have to sell: a Jennens Bettridge papier mache parlor table and side chair. Ours is fancier than the first with more mother of pe...
by THY4373
Wed Aug 29, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Closing Credit Card Accounts
Replies: 32
Views: 4262

Re: Chase Closing Credit Card Accounts

The Freedom, Sapphire, and Ink are considered the "Chase Trifecta." AMEX comes pretty close but Visa is more widely accepted abroad. Chase customer service is top notch and UR points are valuable especially 5x from the Freedom categories. If I had to pick one bank it would be Chase. I can't think o...
by THY4373
Wed Aug 29, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Chase Closing Credit Card Accounts
Replies: 32
Views: 4262

Re: Chase Closing Credit Card Accounts

I don't even have a Chase card, but the other day I got an email from them saying they have "suspended my online access" due to "unusual activity." The email asks me to click on a link to log in to my account and unblock it. I don't think I'm going to do that! Anybody else get one of these? Almost ...
by THY4373
Wed Aug 29, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1693

Re: How to Sell Antiques?

I grew up selling antiques with my mother and grandmother and I am not saying it is the case here but a lot of folks who aren't familiar with antiques think their stuff is rare and museum quality and it rarely is. I will also say that antiques in general are less popular than they used to be. My mot...