Search found 514 matches

by THY4373
Thu Feb 22, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2226

Re: Is a prenup required to establish a list of separate property before marriage?

Personally, I agree with Dave Ramsey on this, that prenups are not the best idea unless there's assets in the millions to protect, because of the intangible damage caused by basically planning your divorce in advance. I think the best (lowest) statistics I have seen for divorce (i.e., couples with ...
by THY4373
Thu Feb 22, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 58
Views: 4502

Re: Do you rent even if you can afford to buy?

I have stable job and could very easily buy where I live but rent currently. Main reasons I rent are: I recently divorced and once my son goes to college I won't have any reason to stay where I am (my job is somewhat location agnostic). This could happen within five years so with the generally low a...
by THY4373
Thu Feb 22, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2226

Re: Is a prenup required to establish a list of separate property before marriage?

Do not, do not, do not assume reasonable will happen if a divorce occurs. Hope for the best, plan for the worst. I've seen kind reasonable people turn into raving maniacs during a divorce. +100 I went through an ambicable divorce where my wife and I were very reasonable and were easily able to agre...
by THY4373
Wed Feb 21, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4271

Re: Expat Living

Yeah I was a normal healthy kid but I can see where a disability would be a big issue. But being a diplomat (or a kid of one) cuts both ways. I spent three years in Soviet Union where the KGB targeted the US embassy with microwave radiation. I am curious: how would you compare the quality of educat...
by THY4373
Tue Feb 20, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4271

Re: Expat Living

Yeah I was a normal healthy kid but I can see where a disability would be a big issue. But being a diplomat (or a kid of one) cuts both ways. I spent three years in Soviet Union where the KGB targeted the US embassy with microwave radiation. The long term impact of this is not clear. They also put c...
by THY4373
Tue Feb 20, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

@txsman I assume you are getting divorced. If so congratulations! Sorry as a recent divorcee I get so sick of folks telling me how sorry they are to hear about my divorce. I know they mean well but honestly it is has been both a positive and negative experience for me and I don't really need any sym...
by THY4373
Tue Feb 20, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 40
Views: 4271

Re: Expat Living

Learning: If you want an overseas assignment (and despite what I wrote above, I would not have had it any other way), leave your children at home and retire overseas. I'll respectfully disagree on your kids comment. My father was a US diplomat and I spent a good chunk of my childhood overseas. Reen...
by THY4373
Tue Feb 20, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2168

Re: Seeking Cruise Suggestions

You can do a search for these two: -- Galapagos and Easter Island cruise. -- Antarctica Cruise. Happy cruising, y gracias por leer. I went to Easter Island in January of this year and loved it. It is so much more than the Moai. My hike along the undeveloped North Coast was magical and other than my...
by THY4373
Tue Feb 20, 2018 4:30 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

A happy single life is better than unhappy marriage. That's for sure. Of course, if one can find other half retire happy, that will be great. If I am reading what you are saying correctly you are implying that a good romantic relationship "other half" is still the superior option over singlehood an...
by THY4373
Tue Feb 20, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

The cultural bias against being unpartnered.....anyone who lives differently than the majority is often the object of the projections of others. eg...."oh you came alone?" Depending on how the numbers are sliced and diced adult singles (never married, widowed and divorced) either are the majority o...
by THY4373
Mon Feb 19, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

Wow! Excellent thoughts communicated in a clear, insightful manner. I agree with you on all your points — except for the one about undertaking long, international trips with only a carry-on bag. Can you elaborate on how you make that work? Thank you for the kind words. Txjeff as already addressed m...
by THY4373
Mon Feb 19, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

As for Saudi whatever your view of their policies (and I am not a fan) there is very little risk to a western visitor there. And the point is mostly moot because they don't issue tourist visas so unless you go on business or are Muslim on the Hajj it is not going to happen. I don't know anything ab...
by THY4373
Mon Feb 19, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

Also, single older men can do things single older women can't, like travel to areas where the latter are not safe. I would think there are only a very few places that would be safe for an older man but not an older woman. Many places in the Middle East. I am curious which countries in particular? O...
by THY4373
Mon Feb 19, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

Agreed great post itiswhatitis I am pretty much where you started now so you are giving me some good guidance.
by THY4373
Mon Feb 19, 2018 5:21 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

Questions for some of you solo travelers and adventurers: if you own a house, who cares for it when you are gone? Do you worry about being alone outside the country and getting ill/incapacitated? I am not retired yet so my trips are limited to 2-3 per year for a total of six weeks. I currently rent...
by THY4373
Mon Feb 19, 2018 4:59 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

Also, single older men can do things single older women can't, like travel to areas where the latter are not safe. I would think there are only a very few places that would be safe for an older man but not an older woman. Many places in the Middle East. I am curious which countries in particular? O...
by THY4373
Mon Feb 19, 2018 4:52 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

About half of all the married retirees will also become single retirees at some point and should think about this as well. It is funny how this is lost on some folks. A few, I am sure well meaning folks, have told me I should hurry up and meet someone post divorce so I "don't die alone". The fact t...
by THY4373
Sun Feb 18, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9412

Re: Single People and Retirement Question

I travel both alone and with my son and extended family and prior to my divorce with my ex-wife. I am currently traveling by myself and in fact as I submit this I am flying 39000 feet over the Mediterranean on a flight between Milan and Abu Dhabi. I love traveling alone. I can see and do exactly wha...
by THY4373
Wed Feb 07, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Silly credit card rewards arbitrage opportunity
Replies: 8
Views: 1689

Re: Silly credit card rewards arbitrage opportunity

An example of somebody scaling something similar and why you might not want to do so....

https://archives.fbi.gov/archives/seatt ... wire-fraud
by THY4373
Tue Feb 06, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4853

Re: Leaving HCOL state for financial reasons

I moved from a high cost of living to low cost of living in the same state about 15 years ago come April. I have very few regrets and knowing what I know now I would make the same decision. My quality of life is much better here, my commute when I go into the office is 10 minutes, my ex and I can af...
by THY4373
Tue Feb 06, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2968

Re: Recently divorced trying to clear all of my credit card debt.

OP I recently went through a divorce and I know it is rough but it will get better, I am truly loving my life these days. My advice would be to do the monk life style, focus on reducing your debit, improving your self mentally and physically and if possible try to find a side gig to make some extra ...
by THY4373
Tue Feb 06, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2968

Re: Recently divorced trying to clear all of my credit card debt.

Cut cell phone to very basic save $60 Cut internet to basic save $40 Cut life insurance, you don't need it Cut car spending, car pool or take public transport save $300 Reduce Entertainment to $100 You already have $500 savings. Use it pay debt or increase retirement saving (Roth IRA, do you hear?)...
by THY4373
Tue Feb 06, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5801

Re: Amazon Alternative

Honestly given the breadth of Amazon you probably won't find a single solution. In addition to Walmart and Jet which I also use I find Target, Ebay and RockAuto (I do most repairs on my cars and Amazon has a pretty good selection of car parts though not quite as good as Rockauto) to be useful substi...
by THY4373
Mon Feb 05, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Car Purchase and Sale Scams
Replies: 10
Views: 1053

Re: Car Purchase and Sale Scams

I agree with others 1 certainly is a scam 2 and 3 I don't think so. I have sold a couple of cars on CL cheap (I run them into the ground so usually 15+ years old usually with one or two issues). And all the sales have been fine though you do get some nutjobs contacting you who clearly don't read you...
by THY4373
Sun Feb 04, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Applying for a passport with a credit freeze
Replies: 7
Views: 688

Re: Applying for a passport with a credit freeze

It will have zero impact.
by THY4373
Sun Feb 04, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2496

Re: Need help - first major career choice (fed. gov.)

I work for the federal government and am very happy with it. I think most of the pros have been mentioned. One con that I haven't seen mentioned, though, is that federal employees are something of a punching bag for certain political interests. It can be demoralizing to read every week about some p...
by THY4373
Sun Feb 04, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2496

Re: Need help - first major career choice (fed. gov.)

Honestly comparing something as varied as the Federal Government to the even more varied private sector is difficult without knowing the particulars. I worked as a civil servant but left after a few years and have never once regretted that decision. I moved to government contracting and then a rathe...
by THY4373
Sun Feb 04, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1139

Re: T-Mobile Coverage in Rural Areas

MP123 wrote:
Sun Feb 04, 2018 1:47 pm

As mentioned above you can download a map section in Google Maps so you can use it offline if you don't have a connection. That helps considerably.
But no navigation if you are offline so you have maps but you'll need to navigate yourself.
by THY4373
Sun Feb 04, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Electric Water Heater - Which one?
Replies: 8
Views: 898

Re: Electric Water Heater - Which one?

I cannot comment on either of those but various brands build to various price points. What you really probably want to do is Google the model numbers and see what differences exist if any in the underlying product. Not sure if this is still true but over a decade ago some hot water heaters with long...
by THY4373
Sun Feb 04, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia/Maryland Car Dealers vs. Others
Replies: 13
Views: 1183

Re: Virginia/Maryland Car Dealers vs. Others

It is not uncommon to see difference in prices across dealers. Some do seem to be regional in nature probably due to some factors that play out regionally such as greater demand in one region over the other. I have traveled several times to purchase a car and it has been worth my time in effort. The...
by THY4373
Sun Feb 04, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Collecting
Replies: 16
Views: 1105

Re: Collecting

I used to collect some things, but sold everything off a few years back. At this point, I am collection free and it is a wonderful feeling. Pretty much describes me. I still have some small portions of some collections which I am still downsizing though I'll keep a few things. But basically I don't...
by THY4373
Sat Feb 03, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

Thanks. Problem for us is that the carriers we want to use for premium cabins aren't the US carriers. Given the comfort of how we are traveling, the extra fees are worth it. (The point of using awards is to get a specific level of comfort, without having to pay for international J. And we can add n...
by THY4373
Thu Feb 01, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1657

Re: Is this new car the smarter option?

What do you mean by smarter? When I have needed to minimize expenses, an out of favor American car with the paint a little dull has been the way to go. It's cheap to buy and cheap to maintain. Plus it's actually nice to drive. A Yaris isn't really a car as I would define the term. This has been pre...
by THY4373
Thu Feb 01, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Is this new car the smarter option?
Replies: 24
Views: 1657

Re: Is this new car the smarter option?

If people are going to keep a car for 10 years or 20 years (I have a 1999 Ford Expedition - still runs and looks great) buying new is the way to go. Especially if it is a Toyota or Honda. I disagree to an extent with the first part at least I see that is much more variable depending on that car you...
by THY4373
Wed Jan 31, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

Not true. I remember paying around $950 for taxes for 2 economy class tickets for the summer, round trip, from LAX to LHR, these are for my kid and her roommate. I gave them the free miles. I think I checked and the ticket was $1500 per person, it’s still a good deal for them. Well I didn't say all...
by THY4373
Wed Jan 31, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

We paid that same $5.60 pp each way for F tickets to/from Asia. Nice. Interesting about the flight back from London (yes, it was probably BA, which we are doing with AA, but we are just connecting at LHR). But high fees for the Europe trip. All done with AA awards. Something about those high fees o...
by THY4373
Wed Jan 31, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

I find the hotel reward points more valuable mainly due to the no hassle use. I am Lifetime Platinum with Marriott, so I have the Chase Marriott Visa (Black Card). I cant use it for business expenses, but we use it for everything else. Combine those points with the ones I get organically through 10...
by THY4373
Wed Jan 31, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

Maybe it was British Airways but using American Airlines points. I never flew on American Airlines for our UK trips ever. It’s either Virgin Airways or British Airways or Air New Zealand. All these are going by memory. I don’t have my account in front of me to verify. Some airlines don’t charge hug...
by THY4373
Wed Jan 31, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Buy a new car or not?
Replies: 34
Views: 2596

Re: Buy a new car or not?

I'd try to sell it and then buy a used Toyota Camry or its Lexus equivalent. I don't think you'll experience the sort of problems that you describe with your current car. I will only drive Toyota now due to problems with previous vehicles. I have bought used cars my entire life. Honestly most newer...
by THY4373
Wed Jan 31, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

Adding to what some folks have already said. For me, the points are really secondary for the travel cards, but I travel a lot for work. 1) I stick with one airline (use your hub airline). The real perks are the seat/class upgrades and the rescheduling of flights for free. 2) I stick with two hotel ...
by THY4373
Wed Jan 31, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

You are not bounded to one airline. For example, I had Delta miles and I never flew on any Delta airline ever. I used their miles for Virgin Airways to Europe. Same with American Airlines, I use their miles for Virgin Airways to Europe. I am pretty sure that you cannot use American Airlines points ...
by THY4373
Tue Jan 30, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4589

Re: Frequent Flier Miles 101

I generated low seven figures of points last year with various credit card related efforts (it was basically like a second job). Points can be very rewarding but it takes a lot of knowledge to maximize the results and it can also take a lot of spend. The low hanging fruit is signup bonuses and it do...
by THY4373
Mon Jan 29, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1242

Re: Buying rebuilt/salvage vehicles on Ebay

To OP I think you are crazy to consider buying a flood car especially one that has electricity/electronics so central to its operations. I have spent my life driving used cars and I have taken some risks with some purchases (that turned out ok) but I would not consider most flood cars without a whol...
by THY4373
Sat Jan 27, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to get a business credit card?
Replies: 25
Views: 1440

Re: Does it make sense to get a business credit card?

SlowMovingInvestor wrote:
Sat Jan 27, 2018 4:18 pm
Chase InkPlus is 5x for cable, internet, cell phone, office stores (like Staples).

5x for Cable, Internet, Cell Phone is more than enough to pay the credit card annual fee.
Awesome card and I have one but it is no longer available for new signups so not much help to OP.
by THY4373
Sat Jan 27, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What hourly consulting rate outside my day job?
Replies: 28
Views: 1466

Re: What hourly consulting rate outside my day job?

Are you sure it is wise to tell my main company about this? I can only see a lot of potential negative consequence. What positive consequence would come out of it? My employer requires one to clear outside employment with them before doing it. Folks have been fired for not following this policy. My...
by THY4373
Fri Jan 26, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 48
Views: 3422

Re: Ways to Protect Assets Without a Prenup

I just went through a very amicable divorce (after 16 years) and even chose to split some premarital assets with my ex even though I didn't have to (but excluded many others) and we had no prenup. First off my advice is be completely honest with your future spouse. If you cannot be honest and commun...
by THY4373
Fri Jan 26, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 48
Views: 3422

Re: Ways to Protect Assets Without a Prenup

bengal22 wrote:
Fri Jan 26, 2018 5:13 pm
Call me old school but it just seems like more focus should be placed on growing the marriage and supporting the spouse and less put on protecting your assets. I really think that approach would reap more dividends.
Why not both they aren't exactly mutually exclusive?
by THY4373
Fri Jan 26, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 3405

Re: Buying a home - Financial Benefits? HCOL

1 Tax deductions. 2 Appreciative value. 3 HELOC, able to tap into your equity. (emergencies, buy another small place and rent it out, etc) 4 Greater options than renting (rent out your home, etc, etc). 5 Autonomy. No rules. Do as you wish to the place to fit you. 6 Having a place of your own. (pric...
by THY4373
Fri Jan 26, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 3405

Re: Buying a home - Financial Benefits? HCOL

A couple of thoughts. One as noted by some above make sure you are doing and apples to apples comparison. Many folks will rent a lesser property than they will buy. I have seen this on this board, in myself (I rent a place that is more modest in cost than I would consider buying) and in folks I know...
by THY4373
Fri Jan 26, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Side hussle ideas
Replies: 16
Views: 1627

Re: Side hussle ideas

Something enjoyable is to learn an instrument or other skill and give classes/lessons. Web site building, guitar/piano/harmonica, investing boglehead style at a local library or community college , cooking, personal training, etc. PCpartpicker.com allows you to build computers. It's really pretty s...