Search found 783 matches

by THY4373
Fri Dec 14, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 604592

Re: What's Your Credit Card Rewards Strategy?

I don’t necessarily agree with this. Right now I’m running 3 primary cards: AMEX Blue Business Plus: 2x MR everywhere Citi TYP: 3x travel and gas AMEX Gold: 4x dining and groceries And then I use: Chase Freedom/Ink Cash: 5x categories when it makes sense although I’m very very slowly stockpiling UR...
by THY4373
Fri Dec 14, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 604592

Re: What's Your Credit Card Rewards Strategy?

I think Chase UR are incredibly overrated I'd like to hear the reasoning on this. I'm frequently making tough calls between charging things to my Chase or AmEx ecosystems so always open to arguments. Depends on your use of course but I tend to agree at least for my purposes UR is less valuable to m...
by THY4373
Fri Dec 14, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 67
Views: 3348

Re: Favorite Purchase of 2018?

My trip to Easter Island just magical. Close second was my trip with my son to Japan.
by THY4373
Wed Dec 12, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 86
Views: 6450

Re: Is a New Car Okay if Driven 15+ Years?

There is no right answer to this other than to buy something you can afford. I have bought all used cars in my life with one exception (for now ex-wife during the end of the last great recession when used car prices were just silly). I tend to look for reliable but high depreciation domestic sedans ...
by THY4373
Tue Dec 11, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21642

Re: What percentage of your net worth is your home equity?

UpperNwGuy wrote:
Tue Dec 11, 2018 4:22 pm
Zero. I rent.
+1
by THY4373
Thu Dec 06, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Credit Card -- Chase unresponsive
Replies: 11
Views: 2117

Re: Fraudulent charges on Chase Credit Card -- Chase unresponsive

Since this is an Ink card it is a business card and thus (as noted above) has different (generally less) protections than a personal card. Whether or not that impacts this situation I don't know. The one thing I have seen repeated multiple times is to always follow up a call on fraudulent charges wi...
by THY4373
Wed Nov 28, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5540

Re: Is good, quality luggage worth the price?

I see most people use smaller luggage and carryons. They are ok on a business trip, but what do you do when travelling with family? Two medium suitcases don't fit in many cars, especially in small rentals. A carry on inside the car is annoying. Brands recommended here (Travel Pro Platinum, B&R) don...
by THY4373
Wed Nov 28, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5540

Re: Is good, quality luggage worth the price?

Definitely get something with wheels. Probably the greatest invention ever made, and well-built luggage has wheels that last a long time. I agree. A few years ago I read how wheeled luggage slows you down and I bought an eBags backpack that was carry-on size. I am relatively fit, but when the bag w...
by THY4373
Wed Nov 28, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14331

Re: Divorce [financial implications]

I take it you weren’t married to another high wage earner. My spouse and I are both high earners. We are a team and set on growing old and rich together. I don’t find our marriage risky at all. Easy to say until you have gone through a divorce. Sounds exactly like my marriage (16 years) up until I ...
by THY4373
Tue Nov 27, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14331

Re: Divorce [financial implications]

I have a slightly different take, in that I was on the receiving end of a hostile divorce, and lawyers were a must. The collaborative/single lawyer/mediation approach was suggested at one point, but there was nothing about my wife's approach that was oriented toward mediation or working anything ou...
by THY4373
Tue Nov 27, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3435

Re: How do value the cost of commuting?

You should rephrase your question. How do you value the cost of not commuting? +1 I telework 3-4 days a week and go into office (10 mins easy mins each way) 1-2 days. I decided years ago it would take $25-35k (all else being equal) to take a job with a normal commute (i.e., 5 days a week 30-40/mins...
by THY4373
Tue Nov 27, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Air heat pump questions (any experts in the community?)
Replies: 24
Views: 1857

Re: Air heat pump questions (any experts in the community?)

Make sure you have the heat pump set to run for a minimum of 60 minutes before the electric strips kick on. We live much further south but on a few really cold low 20 degree days my heat pump will run 20-22 hours a day with very minimal electric strip heat use (mostly for reversing defrost function...
by THY4373
Mon Nov 26, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3857

Re: Federal Job Offer - Should I take it?

The federal benefits are virtually unmatched though. Pension, 5% match, Dirt cheap health insurance, tons of paid time off... Those all have value of course but they may or may not compensate OP for moving to SF (I personally think they don't and I am a former Fed employee so I am aware of the bene...
by THY4373
Mon Nov 26, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3857

Re: Federal Job Offer - Should I take it?

I would ask how this fits into your long term plans? Short term as noted by others this seems a pretty large negative financial impact. It is hard for me to see that living in the Bay Area long-term that the Feds are likely to keep up with high and growing cost of living there. If this is a way to g...
by THY4373
Sun Nov 25, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5540

Re: Is good, quality luggage worth the price?

My Tom Bhin Aeronaut 30L carry-on (the only bag I travel with) was worth every penny of its $285 cost. Extremely well made, and maximizes its small size. I bought my son a Ospery 30-ish L backpack that was on clearance for about $80 (normally it would have been about half the cost of the Aeronaut) a...
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: 979

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: 4181

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: 4181

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: 6817

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: 6817

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: 1168

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: 4722

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: 854

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: 670

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: 5305

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: 575

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: 11176

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: 68
Views: 3456

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: 1228

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: 1090

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: 2542

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: 610

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: 6091

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: 5866

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: 1763

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: 1763

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: 42
Views: 3935

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: 7314

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: 596

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: 7314

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: 1155

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: 3843

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: 3110
Views: 604592

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: 2329

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: 2329

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: 6963

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: 3676

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: 4181

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: 2006

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: 3110
Views: 604592

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...