Search found 875 matches

by THY4373
Sat Feb 23, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

do you know of any tools that let search for these deals across all awards programs? when i had the sapphire preferred, i searched for delta flights using skypass and flyingblue, but neither of them showed US domestic flights. aeroplan does appear to show US domestic flights, so maybe it's just a s...
by THY4373
Sat Feb 23, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 27
Views: 2639

Re: Why Working as a Senior Male is Wise...

Small jobs or volunteering may be a good way for a single man to meet single like-minded partner. Or maybe they are perfectly happy being single and just enjoy the work, the meaning it brings to their lives, or the non-romantic company of others? Not all single people are on the hunt for a romantic...
by THY4373
Fri Feb 22, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

Is there any way to convert AVIOS points (that I won’t use) to hotel points or something else? You don't fly at all? You can use Avios for example to book award flights on Alaska and AA (and other Oneworld airlines). If you truly aren't going to use them to fly you can use them to book hotel rooms,...
by THY4373
Wed Feb 20, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

AA doesn't fly long-haul international at all from any DC-area airport. One overlooked alternative is PHL, from where AA has a lot of flights to Europe. I did that last year with miles, used a one-way car rental to get myself to PHL. Cost about the same as taking Uber to Dulles, and easier in some ...
by THY4373
Wed Feb 20, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

Next month I am spending 57.5k AA miles on a business class ticket from the west coast to Europe. When I try to use my AA miles for flights to Europe, American Airlines places me on British Airways flights, and I have to pay a lot of cash in addition to miles. For example, a round trip from Washing...
by THY4373
Wed Feb 20, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

Travel Geek -- Have you tried to use Virgin Atlantic to fly to Europe or Asia, either booking via VA points or via Delta ? If so, how is availability for biz class awards ? Side note VA=Virgin Australia and VS=Virgin Atlantic. Using VS points on VS metal has the same problem as BA points they have ...
by THY4373
Wed Feb 20, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Working remotely + lot of vacations
Replies: 25
Views: 2983

Re: Working remotely + lot of vacations

A couple of thoughts from somebody else who works remotely and I am repeating some of what has already been said. One, I would get into your job and build some trust before doing this. Two, I would do this with full transparency of my boss and folks who report to me. Three, There are potential tax i...
by THY4373
Sat Feb 16, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 60
Views: 9353

Re: More Bad News for USAA Bank

Full disclosure, I was an officer and I know that USAA bluntly charges enlisted troops and dependents higher rates. There was a thread here where somebody posted the different tiers of USAA. The lower the tier the more like kely you are to pay more. As the child of an officer I am in the second tie...
by THY4373
Wed Feb 13, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wife has accumulated $90K in debt - Advice sought...
Replies: 42
Views: 5565

Re: Wife has accumulated $90K in debt - Advice sought...

OP I am really sorry for your issues. Honestly having going through a recent amicable divorce that was still the worst thing I have ever been through emotionally my advice to you is move forward with the divorce and this is something I don't say lightly. Staying together for the kid(s) is a poor rea...
by THY4373
Wed Feb 13, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 4023

Re: Can I file jointly with my girlfriend

Yes, if you get married within the tax year. Great tax shelter. How so? Usually marriage is a net increase in tax burden due to the marriage penalty. At the federal level the marriage penalty has been eliminated except for the upper brackets due to recent tax legislation. Basically the tax benefits...
by THY4373
Wed Feb 13, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 4023

Re: Can I file jointly with my girlfriend

Patrick584 wrote:
Tue Feb 12, 2019 8:18 pm
Yes, if you get married within the tax year. Great tax shelter.
I would liken getting married solely for the tax benefit to burning down your house so you can make some toast.
by THY4373
Wed Feb 13, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Copenhagen/Stockholm/Oslo in May/June
Replies: 27
Views: 1628

Re: Copenhagen/Stockholm/Oslo in May/June

Our plan is to fly from Denver to London, then do city hop from London. The reason is the flight is cheaper to London than to other cities directly. I would research that more to confirm that you are really saving enough to make that worthwhile. One risk is that if you do not plan on spending a day...
by THY4373
Mon Feb 11, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5506

Re: What Happens If You Ignore Being Served a Lawsuit?

Sounds like a very bad idea to me. I assume you are insured so you would very likely be best off, one talking to a lawyer and two, talking to your insurance company. There have been a number of threads here and the delayed lawsuits seem a common tactics with accidents. Ignoring this issue is not goi...
by THY4373
Mon Feb 11, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Copenhagen/Stockholm/Oslo in May/June
Replies: 27
Views: 1628

Re: Copenhagen/Stockholm/Oslo in May/June

Mermaid is worth seeing since it means that much to your daughter. It is underwhelming though. +1 My family drove from Belgium to Moscow in the 1970s. We got a ferry from Copenhagen to somewhere in Sweden I think. Anyway my mother totally wanted to see this and made my dad drive there. She was tota...
by THY4373
Mon Feb 11, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Copenhagen/Stockholm/Oslo in May/June
Replies: 27
Views: 1628

Re: Copenhagen/Stockholm/Oslo in May/June

I am headed to Norway for two weeks June and July. We are going Oslo, Bergen and Longyearbyen (up in the arctic circle). Yes it is very expensive. The activities up on Longyearbyen really add up but hey it is the arctic. To keep costs down I used a combination of the Citi Prestige fourth night free ...
by THY4373
Mon Feb 11, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5671

Re: Did you investigate your partner's financial background before committing?

I got nothing against hiring a PI or doing a similar background investigation though I do agree with those that say this should be done transparently. I also do agree that taking your time in the relationship will likely address many of these concerns. In addition to allowing more time to get to kno...
by THY4373
Sun Feb 10, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 8095

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Ive never heard of this "six" year rule for tires. Who makes this stuff up? I don't know where you live but here in Arizona the freeways are littered with the tread carcasses of tires that have disintegrated. They are not worn out treads either, they are just the results of old tires plus 100deg+ t...
by THY4373
Sun Feb 10, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3251

Re: Business Class to Japan

Thanks, I might look into my AA account and see. I think I can transfer my points to AA also. AA has rather few transfer partners for US based folks. Basically Diners Club (and then I think only the corporate cards) and hotel programs and the only hotel program where it might make sense to do the t...
by THY4373
Fri Feb 08, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3251

Re: Business Class to Japan

I thought about Singapore suites 2 years ago when I had 100k reward points from Amex, but my husband at the time wasn’t keen on going to Japan, so the account was closed. Now he said he wanted to go to a Hong Kong when we go to Japan, so I might think about Singapore suites again. I’m leaning towar...
by THY4373
Fri Feb 08, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 3826

Re: Satellite radio pricing ridiculousness

This is why I won't use these services. If they would give reasonable pricing up front I would but I am not personally going to play these games. I guess it works for them.
by THY4373
Fri Feb 08, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3251

Re: Business Class to Japan

I’ve been reading flyer talk, but I must not know how to read them correctly because they are organized by Airlines. I didn’t see any comparison between airlines. There are usually threads in one of those airline forums comparing that airline to others. Try using Google to find them. An example: "j...
by THY4373
Fri Feb 08, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3251

Re: Business Class to Japan

How would you rate them if you have to? Honestly my experience is that preferences come down to personal opinion. What I like you may not and vice versa. Also a number of airlines will have different seats depending on the equipment you are flying this is probably a bigger difference than the diffe...
by THY4373
Fri Feb 08, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3251

Re: Business Class to Japan

Cathay had a huge mistake fare for J and F class earlier this year and basically sold out the cheaper cash/award fare buckets so if you are looking for awards availability to/from US for 2019 good luck it will be nearly impossible to find (2020 should be ok since that had not opened up at time of mi...
by THY4373
Thu Feb 07, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 30
Views: 1862

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

I realize she may prefer the camaraderie of a group but she may also want to consider private tours if she has particular interests. I tend to be an independent traveler but some places are logistically complicated so I have arranged for driver and tour guide. I did this in Cambodia, Egypt and Easte...
by THY4373
Wed Feb 06, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2772

Re: Employer wants to borrow $50k

Wow, just wow. I think your husband is nuts. I'd use stronger language but this is a family site. I truly wish you the best of luck with this.
by THY4373
Tue Feb 05, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 4830

Re: Those who do not fly coach, where do you buy your tickets?

Spectacular! I just tested this with a sample San Francisco-Frankfurt roundtrip itinerary. Business class seats flight only: $9,880. With a throw-away dormitory room for one night: $2,830. Quite the difference. Same non-stop flights on same airline. This can also work with the airline vacations sit...
by THY4373
Tue Feb 05, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 4830

Re: Those who do not fly coach, where do you buy your tickets?

https://www.flyertalk.com/forum/premium-fare-deals-740/ Learn the acronyms (airport codes, airline codes, etc) - it's an active forum and deals are posted as they are found! Meanwhile, on Bogleheads, if a new poster comes along and says he owns AGG, someone will complain within three posts about th...
by THY4373
Tue Feb 05, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 57
Views: 4580

Re: Free Southwest Companion Pass for 2019

Ok I applied for the SW business card. The web application came back with "Decision pending: we must review your application" Ugh :( FWIW I unfroze all 3 credit bureaus. I hope the little in-flights don't expire before I snag this deal! In my recent experience Chase never (or almost never) instantl...
by THY4373
Tue Feb 05, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Help for friend who makes lots of mistakes.
Replies: 24
Views: 2198

Re: Help for friend who makes lots of mistakes.

bighatnohorse wrote:
Tue Feb 05, 2019 10:12 am
he's dyslexic- so no investing help from him.
Being dyslexic has nothing to do with it. I am dyslexic, my sister is and my best friend is. We are all members of the two comma club and do just fine investing and running our lives.
by THY4373
Mon Feb 04, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 57
Views: 4580

Re: Free Southwest Companion Pass for 2019

honestly I think of the CP game a lot like gym memberships - you get a lot of people talking a big game about qualifying for the CP and doing all these flights, and most users probably get a couple free flights out of it, but nothing that really costs SW that much, since many flights have a few ext...
by THY4373
Mon Feb 04, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 4830

Re: Those who do not fly coach, where do you buy your tickets?

I buy most of my J and F class tickets via points but when I pay cash I have used the following sources: Flyertalk premium fare forum (linked in a post above). Great source. Various blogs focused on fare deals. Google Flights/ITA Matrix Amex IAP (if you hold an Amex platinum card) Play games with ro...
by THY4373
Mon Feb 04, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Those who do not fly coach, where do you buy your tickets?
Replies: 30
Views: 4830

Re: Those who do not fly coach, where do you buy your tickets?

The usual travel websites allow searches for premium-class tickets. I have seen advertisements for companies that claim to sell discounted business class tickets. I would be interested to hear if anyone has used them successfully. I'd be careful with those. Some are true consolidator fares but a lo...
by THY4373
Mon Feb 04, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

Maybe because they don't care what the rest of the world thinks about this? If the wedding doesn't matter, why is there so much resistance to getting married? Just get a wedding license and be done with it. It's no worse than getting a car license, registering to vote, or getting a will. Just look ...
by THY4373
Mon Feb 04, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

quite frankly I think the entire process is nonsense and you can absolutely be in love/committed to another person without the stupid ring and overpriced ceremony. i love her, never cheated, never will, and have the "Rest of my life" intention for sure. That's all that should matter ... right? If y...
by THY4373
Sun Feb 03, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

My credit card strategy is to avoid using them. I've never heard a millionaire say, "Oh I got rich because of my cash back and my points!!" It's all a big scam to TAKE YOUR MONEY. I'm not saying they can't be used responsibly, but the "perks" are nothing but marketing ploys and will do nothing to i...
by THY4373
Sat Feb 02, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

the pressure is often "playful", but it's getting quite irritating (it literally happens every family gathering, at least once) One of the advantage of getting older (at least for me) is have learned to totally ignore stuff like this. I don't give a second thought to folks' opinion of how I should ...
by THY4373
Fri Feb 01, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

You have the best of both worlds. Had I been in your shoes in my late 40s I would have played it the same way. Yes agreed I am very lucky as is my spouse that we were adults about the divorce, earned similar amounts and agreed on the split of time with our son and on splitting our cats (that could ...
by THY4373
Fri Feb 01, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2601

Re: eBay Item NOt Received - but DELIVERED

I have seen PO mark items as delivered that showed up a day or two later. Like others I am pretty sure the PO is playing games to meet their metrics. I also work from home and can see the mailbox from by desk and I have seen "delivery exception" errors that were along the lines that I wasn't home (I...
by THY4373
Fri Feb 01, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: home warranty and AC
Replies: 6
Views: 446

Re: home warranty and AC

The experiences I had with a home warranty were what I would classify as cruel and unusual punishment. I would never, under any circumstances, call a home warranty company. I hope we never move into another house, but if we did I would refuse a home warranty from the seller. Ha agree never had one ...
by THY4373
Fri Feb 01, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

OTOH, if you are divorcing in your late 30's, 40's or 50's you are seeing your net worth essentially halved. You are also starting your life over in other ways. A bet the marriage will not disrupt is one I would never want to take into my 50's. Not ever. I'm just too risk averse. I guess you have t...
by THY4373
Fri Feb 01, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

Rupert wrote:
Fri Feb 01, 2019 10:27 am

I think you took my comment much more seriously than I intended it.
Yes but this sort of half-junk data gets thrown out all the time so it is important for folks to think more critically than they often do about a lot of the propaganda for lack of a better word on marriage in our society.
by THY4373
Fri Feb 01, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

Married 41 years. Wouldn’t have it any other way. There’s a level of commitment in a good marriage that takes you through the bad times. “Living together” doesn’t have the same level of commitment. Financial things are important. But commitment is more important. Commitment is important but there a...
by THY4373
Fri Feb 01, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

Lots of studies show that married men live longer than unmarried men. (The same doesn't seem to be true for women, unfortunately). Not sure if that's a financial positive or negative. You need to be very, very, careful with marriage studies there is a lot of poor science going on even poorer report...
by THY4373
Fri Feb 01, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 8954

Re: Marriage "Benefits"

I agree with people here on board. If you get married and then divorced, you will be starting from 0. Dont get married!!!!!! While I agree with the caution on marriage (I am divorced) it is very YMMV on what divorce does to you. I was no where near "0" not even close post divorce after 16 years of ...
by THY4373
Wed Jan 30, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 10731

Re: Please share some lifestyle creep you regret.

Buying a large house and yard when I moved to a low cost of living area (now gone). Ex-Spouse--honestly I think this process was necessary for me to find my happy place I am now but it would have been nice if I could have gotten to where I am sans the ex-spouse. Buying all kinds of stuff because it ...
by THY4373
Wed Jan 30, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Looking for type of "personalty" test, etc.??
Replies: 25
Views: 1280

Re: Looking for type of "personalty" test, etc.??

I have taken a number of these over time and I tend to agree that while they may capture some aspects of personality I don't take them too seriously and I am somewhat less than convinced of the science behind them beyond a certain point. That said on Myers Brigg I am pretty far at the extreme of int...
by THY4373
Tue Jan 29, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3623

Re: Do you do backpacking in your 50s or 60s?

Especially in places like Egypt, did you worry about the safety when you did backpacking (I assume you were alone or with very few people, off the beaten tracks)? I traveled with a backpack but I wasn't actually hiking in Egypt as I actually had a car and driver. I never did worry about my safety b...
by THY4373
Tue Jan 29, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Help me diagnose a car issue
Replies: 29
Views: 1933

Re: Help me diagnose a car issue

Sounds like the transmission fluid is low. +1. I have similar issue in my old camry. Added DOT 3 transmission fluid and issue went away. Check the DOT 3 or 4 and pour accordingly. DOT 3/4 are specs for brake fluid not transmission fluid. @OP I had a similar issue once in a Ford after the transmissi...
by THY4373
Tue Jan 29, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3623

Re: Do you do backpacking in your 50s or 60s?

Not quite in your demographic yet as I am 49 and yes I travel with a single small backpack whenever I travel now. It has changed the way I travel and even how I live as I realized I don't really need that much stuff to be happy. I still work so I do 2-3 international trips a year for a total of 4-5 ...
by THY4373
Mon Jan 28, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3365
Views: 635495

Re: What's Your Credit Card Rewards Strategy?

The 5/24 rule looks at the number of accounts opened within that 24-month window. Closing the account doesn't matter, if it was opened within the past 24 months it still counts toward the 5, and if it was opened more than 24 months ago, it doesn't count and closing it won't make it count. What if i...