Search found 753 matches

by THY4373
Mon Oct 22, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 18
Views: 1281

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: 543

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: 5629

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: 36
Views: 4306

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: 1583

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: 1583

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: 3269

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: 72
Views: 6639

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: 565

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: 72
Views: 6639

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: 1116

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: 3754

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: 2924
Views: 576978

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: 2195

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: 2195

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: 6788

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: 3614

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: 39
Views: 3468

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: 1933

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: 2924
Views: 576978

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: 25272

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: 851

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: 624

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: 2320

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: 4235

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: 2004

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: 2004

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: 3137

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: 4912

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: 1035

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: 3225

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: 1681

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: 4224

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: 4224

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: 1681

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...
by THY4373
Wed Aug 29, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Chase Closing Credit Card Accounts
Replies: 32
Views: 4224

Re: Chase Closing Credit Card Accounts

Also this activity is not new in addition to the thread on FT there is a thread over on Reddit churning that has many data points that are honestly all over the place. I personally don't believe this review has much to do with churning, "abuse", whatever but rather seems to be more focused on credit...
by THY4373
Wed Aug 29, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Chase Closing Credit Card Accounts
Replies: 32
Views: 4224

Re: Chase Closing Credit Card Accounts

Chase has the best cards so it's no wonder they're abused. Best cards is really debatable for some yes for others no. It really depends on what you are looking to accomplish, how you play the game and the volume you do. There are a couple of Chase cards I hold which I really like but honestly for m...
by THY4373
Fri Aug 24, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7749

Re: Marriage

barberakb wrote:
Fri Aug 24, 2018 2:02 pm

Talk about it and do what's best for you.
This is exactly the right answer in my opinion. Unless somebody has some statistics to back up some the claims made in this thread I think as long as the two of you come up with a system that works for you it will be fine.
by THY4373
Fri Aug 24, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6439

Re: Co-habitation agreement - ??

There is nothing strange about people, men and women, preferring to remain single. It is unusual that a person who was happy to be single until the age of 56 is seeking a co-habitation relationship that would strip him off independence. I completely agree and that is a red flag to me but the statem...
by THY4373
Fri Aug 24, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 6439

Re: Co-habitation agreement - ??

Thanks- I will keep you informed. I had the same question - how come he's not been married? I think if a man's not been married by age 50 there is probably something strange about him. I even told my friend that. I also told her I'd feel better if he'd been married and divorced as that shows at lea...
by THY4373
Thu Aug 23, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4196

Re: relationship issues - advise needed

Being a single guy, I am pretty clueless about such things but I have observed some things over many years. Divorce in my mind is the absolute last resort. It is just devastating to families and devastating to eight year old kids who really want the stability of a home and the stability of mom and ...
by THY4373
Wed Aug 22, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 16
Views: 1210

Re: Barclay Card with American Airlines

The Wizard wrote:
Thu Aug 16, 2018 11:14 am
I have one but I don't think it's No Foreign Transaction fee.
Is it is, at least the Aviator Red I have is no FTF.
by THY4373
Wed Aug 22, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4196

Re: relationship issues - advise needed

I went through this a few years ago. Some quick advice. For sure seeking out a martial counselor. The one my ex an I used was excellent (though we did end up getting divorced). I would also suggest getting an individual counselor as well for each of you. The one I had was a great help though if I ha...
by THY4373
Wed Aug 22, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 56
Views: 4127

Re: Where to buy engagement ring?

So an engagement ring is something that is not useful, is expensive, and has little resale value. Is there something else we can use as a society to express commitment? Where the measure of the commitment is the willingness to spend a bunch of money on something useless? Maybe buy the fiancee a rea...
by THY4373
Wed Aug 22, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5067

Re: Is divorce a wise financial move?

To OP divorce can be a wise financial move. My divorce was driven in part by economics. The causes were not economic in nature but I realized I needed to break it off sooner rather than later because it was eventually going to collapse and economically it was better to rip than band aid off now than...
by THY4373
Wed Aug 22, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5067

Re: Is divorce a wise financial move?

The most damning price of not being married is losing travel perques such as being authorized users on each other's credit cards, getting free luggage check-in, being seated together on a plane, and staying in the same hotel room (in some countries). Victoria I am not sure if this is tongue in chee...
by THY4373
Mon Aug 20, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6315

Re: Sellers beware on eBay.

I am honestly surprised you are going through all this work for so little money. That said as others have noted the buyer is always right on Ebay (pretty much Amazon too for that matter). You just need to build the cost into what you sell. I have pretty much quit selling on Ebay due to time constrai...
by THY4373
Thu Aug 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Recent Trip to Naples, Italy
Replies: 14
Views: 1902

Re: Recent Trip to Naples, Italy

I like Naples too and I think it gets a bit of a bad rap. I went there with my son, my parents (in their 70s/80s), my sister and niece as part of a long trip to Italy last year. Yes it is rough around the edges in places but we never felt insecure (we used the metro and the well worn Circumvisuviana...
by THY4373
Sun Aug 12, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Beating $55K annual 401K limit?
Replies: 15
Views: 2924

Re: Beating $55K annual 401K limit?

The employee (YOU) can only contribute 18.5K total to all plans in 2018. You might be able to increase your contributions by 6k if you are over 50 (catch-up contributions). To reach 55K you would need your employer(s) to kick in a lot of money. 18.5k is the combined limit on traditional pre-tax and...
by THY4373
Sat Aug 11, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: SPG rewards....sucks?
Replies: 24
Views: 2895

Re: SPG rewards....sucks?

The love affair with SPG points always baffled me, too. The actual redemptions at SPG hotels never seemed worth it and I always ended up transferring them to airline programs. I still have some that have been sitting around for a while and I will probably end up using them at a Marriott at some poi...