Search found 1345 matches

by THY4373
Tue May 04, 2021 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Did You Budget for Travel in Retirement?
Replies: 122
Views: 10549

Re: How Much Did You Budget for Travel in Retirement?

All I care about is lie-down flat seats. And business class has that, right? Yes generally that can be assumed for international business class long haul from the big carriers. Icelandair is an exception and LaCopagnie was as well but they may have upgraded. Short and mid-haul business class may no...
by THY4373
Tue May 04, 2021 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Did You Budget for Travel in Retirement?
Replies: 122
Views: 10549

Re: How Much Did You Budget for Travel in Retirement?

Wow, that's pretty cheap for an entire month... First-class tickets cost $4000 or more for two people, right? (which is actually cheaper than I thought, I may have to go 1st class next time I go to Italy). We book our flights as early as possible, on Alitalia, direct from LAX! Cheaper with better b...
by THY4373
Tue May 04, 2021 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Did You Budget for Travel in Retirement?
Replies: 122
Views: 10549

Re: How Much Did You Budget for Travel in Retirement?

HomerJ wrote: Mon May 03, 2021 11:53 pm
Maybe you should buy a nicer house with a better view with some of that money...

:mrgreen:
My problem is I want the view to change. A pretty view tends to get old after a while. First world problems I know.
by THY4373
Tue May 04, 2021 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Did You Budget for Travel in Retirement?
Replies: 122
Views: 10549

Re: How Much Did You Budget for Travel in Retirement?

A tourist just purchases a tour and everything is done for them. A traveler basically does everything on their own, uses local transit, local homes/B&Bs, local restaurants, and enjoys the beauty of each place and people on its own merit and not from a tour bus window following the mass of other...
by THY4373
Thu Apr 29, 2021 6:28 pm
Forum: Personal Consumer Issues
Topic: Rental Car Availability
Replies: 27
Views: 2384

Re: Rental Car Availability

Some car dealerships (I suspect more now) also rent cars so that may be an option to consider. Personally I am only booking travel where I can avoid the rental car apocalypse.
by THY4373
Wed Apr 28, 2021 9:10 am
Forum: Personal Investments
Topic: I was investing in Roth IRA but now recently was made aware of girlfriend's ~$50k debt. Help?
Replies: 59
Views: 3887

Re: I was investing in Roth IRA but now recently was made aware of girlfriend's ~$50k debt. Help?

The number one cause of divorce in America is money fights and money problems. To succeed together, you’ve got to get on the same page about where you’re going and how you’re going to get there. I see this quoted all the time but there doesn't seem to be a lot of support for this claim. Clearly fin...
by THY4373
Wed Apr 28, 2021 7:52 am
Forum: Personal Investments
Topic: I was investing in Roth IRA but now recently was made aware of girlfriend's ~$50k debt. Help?
Replies: 59
Views: 3887

Re: I was investing in Roth IRA but now recently was made aware of girlfriend's ~$50k debt. Help?

I'll echo what everybody else has posted you need to do some soul searching and understand if this behavior is going to be acceptable to you because it will almost certainly continue. Folks do not change unless they want to change (or are forced too). I think some couples counseling is in order but ...
by THY4373
Sun Apr 25, 2021 5:29 pm
Forum: Personal Consumer Issues
Topic: Did I get shilled on Ebay?
Replies: 44
Views: 6537

Re: Did I get shilled on Ebay?

I tend to agree with those saying you weren't shilled. The last minute timing and huge jump in price probably means somebody else wanted it nearly as badly as you. Back when I used to buy a lot on Ebay and physical auctions I learned you sometimes get really surprised by what things may go for both ...
by THY4373
Sat Apr 24, 2021 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fairness in Gifting to Adult Children
Replies: 19
Views: 1257

Re: Fairness in Gifting to Adult Children

It is your money to do with as you wish. For me personally, it was important that my gifts be equal in dollar terms. +1 on both counts. Your money, your call. That said I personally would give the same amounts to my children irrespective of their success in life or their marital/parenthood status. ...
by THY4373
Sun Apr 18, 2021 2:01 pm
Forum: Personal Consumer Issues
Topic: Temp change in remote location - tell employer?
Replies: 35
Views: 2933

Re: Temp change in remote location - tell employer?

This is going to depend on your employer and what the standard practice is there. I have telework employees all over the place and I appreciate it when they tell me they are going to be working a few weeks wherever. I always approve it but it is nice to have the heads up. The one caveat I'd throw ou...
by THY4373
Sat Apr 17, 2021 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?
Replies: 50
Views: 5985

Re: I want to buy cash with my credit card. Will the IRS allow this adventure of mine?

This sort of thing is done a lot by folks who "manufactured spend" to generate CC points. You may want to google "manufactured spend tax payments" to find more info. Personally I do a lot of MS but I don't touch this as I don't need to stir up the IRS but lot of folks do it. Two ...
by THY4373
Sat Apr 17, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Federal Federal Tax Return Accepted - Payment not processed?
Replies: 4
Views: 396

Re: Federal Federal Tax Return Accepted - Payment not processed?

Multiple threads on this in the last week. One example: viewtopic.php?p=5950195#p5950195 .

Seems to be normal right now. Same thing happened to my ex (I help with their taxes).
by THY4373
Fri Apr 16, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Selling old car - CarMax etc.
Replies: 66
Views: 5478

Re: Selling old car - CarMax etc.

I have sold a few clunkers on CL and had no issues. My suggestion is to use email vs phone number. Much easier to filter folks via email and even do some Google stalking open source intelligence gathering on them. When selling an 18 year old Crown Vic for example I under priced it and got like two d...
by THY4373
Fri Apr 16, 2021 4:43 pm
Forum: Personal Consumer Issues
Topic: Selling old car - CarMax etc.
Replies: 66
Views: 5478

Re: Selling old car - CarMax etc.

but the check airbag light is on Be sure to check if it was in the big airbag recall. You may be able to get the airbag replaced for free. https://www.nhtsa.gov/recalls In my experience the airbag light being on rarely has anything to do with the airbag itself. I have seen it for sensors, bad wirin...
by THY4373
Fri Apr 16, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Does USPS allow mailing laptop internationally ?
Replies: 12
Views: 934

Re: Does USPS allow mailing laptop internationally ?

Don’t limit yourself to just USPS. UPS/FedEx could be viable alternatives as well. If the battery is built in, you should be fine. You just have to make sure custom declaration is correct. I don't know if this is still the case but but when I used to sell on Ebay and would ship internationally I wo...
by THY4373
Wed Apr 14, 2021 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone numbers on credit reports?
Replies: 13
Views: 1280

Re: Unknown phone numbers on credit reports?

Not exactly the same but some years ago I had an employer relocate me. Flash forward a number of years and a Dallas, TX address started showing up as a place I lived on all my reports (I have never lived in Dallas). At first I couldn't figure it out and then I realized going through my records that ...
by THY4373
Fri Apr 09, 2021 6:03 pm
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1817

Re: Arline Miles - how to use?

That's a LOT of miles. Short of churning sign-up bonuses or spending a ton of money through a business, how can you possibly accrue that many miles in a year? That's a lot of spending. Manufactured spend allows me to generate a lot of points fairly easily. In fact last year for three glorious month...
by THY4373
Tue Apr 06, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Safe and secure car sale
Replies: 12
Views: 808

Re: Safe and secure car sale

bluebolt wrote: Tue Apr 06, 2021 8:26 am Receive Venmo, Paypal or Zelle payment
I'd put these options in the same territory as personal checks certainly PayPal, less familiar with Venmo and Zelle. PP will tend to side with the buyer in disputes.
by THY4373
Sun Apr 04, 2021 6:42 pm
Forum: Personal Consumer Issues
Topic: Broken A/C. Next steps?
Replies: 8
Views: 871

Re: Broken A/C. Next steps?

You say the the started capacitor is a year old so I assume it went out last year? If so I bet the cap took out the fan motor. I had the same issue a few years back on a admittedly younger system. Cap went bad (obvious it was bulging) so I replaced it but a number of places suggested the condenser f...
by THY4373
Sat Apr 03, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp imposed 401k After-tax contribution cap
Replies: 26
Views: 2371

Re: Megacorp imposed 401k After-tax contribution cap

No caps here other than the Federal ones. But my employer is rather unique in that we are a bit public/governmental and a bit private so I think we don't fall under some of the same restrictions that purely commercial entities do. I am able to max out everything pre-tax/Roth, catch-up and post-tax n...
by THY4373
Sat Apr 03, 2021 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Huh? Virginia 529 deductions on multiple accounts
Replies: 4
Views: 312

Re: Huh? Virginia 529 deductions on multiple accounts

I cannot answer your question on how transfers are treated but I have been taking advantage of this multi-account deduction for years in VA. As noted this is documented on the VA taxation website so it is legit. I have used for both college savings and more recently I put money in to withdraw later ...
by THY4373
Fri Apr 02, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: WFH Light a "FIRE" in anyone else?
Replies: 20
Views: 3211

Re: WFH Light a "FIRE" in anyone else?

I had already been teleworking for years albeit some years going into the office 1-2x a week but other years almost none. I am totally good with working from home but I have a 10 min commute so if I still have to go in some days, it isn't really the end of the world. Also I didn't need WFH to teach ...
by THY4373
Fri Apr 02, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: Good time to sell a car?
Replies: 16
Views: 1213

Re: Good time to sell a car?

I bought something of a beater from my parents in December (nice to have a beater truck). Per KBB it is up 18% since December (this per what KBB said then and now with the same parameters ) when I bought it from them. So yeah the used market is pretty hot right now (same as 2008-2010) time frame. No...
by THY4373
Thu Mar 18, 2021 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Retire in early 40s?
Replies: 53
Views: 7969

Re: Retire in early 40s?

The idea of remaining single (financially and socially with financial obligations) and with no chidren at age 40's is unpredictable. Yeah and remaining married in your 40s is also unpredictable with the added risk that one has more control over whether they get coupled or have kids than whether the...
by THY4373
Wed Mar 17, 2021 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Work from Home - Most Tax Friendly States (Not Cost of Living)
Replies: 76
Views: 6123

Re: Work from Home - Most Tax Friendly States (Not Cost of Living)

Hence, if you were in your 20's, 30's, 40's and could setup shop anywhere to WFH. Where would you go in true Bogleheads fashion? Dubai or Singapore. If you have to stay in the US (I don't know why, since you can WFH) then Puerto Rico. Some employers will allow WFH anywhere in US but explicitly excl...
by THY4373
Wed Mar 17, 2021 11:32 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 6057

Re: Selling rare/expensive beanie babies

I did a similar search and the results didn't make sense to me. Filtered on "Sold Items" (only), ordered the results by highest price first. Yeah you are right there are some odd things going on as I didn't really dig deeper and I don't know if there are variances that make a difference b...
by THY4373
Wed Mar 17, 2021 10:21 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 6057

Re: Selling rare/expensive beanie babies

Your friend needs to check actual sale prices on Ebay. Folks can and do post things at crazy prices. He/she need to register on Ebay and search items sold to see the actual prices that an object is getting. In my experience for rare collectable items that are easy to ship I have always done better o...
by THY4373
Mon Mar 15, 2021 11:52 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 151
Views: 10102

Re: What are your travel plans in 2021 and beyond?

For those who are trying to book trips, are prices for travel(airfare, hotels, car rentals) at bargain levels? If so, when do you expect prices to rise? It really varies. Car rentals are definitely not a bargain right now and likely to get worse as the supply of them is very low given the rental co...
by THY4373
Sat Mar 13, 2021 5:36 pm
Forum: Personal Consumer Issues
Topic: Anyone here live in AirBNBs full time?
Replies: 36
Views: 4168

Re: Anyone here live in AirBNBs full time?

How long would you stay in each country? It depends on many factors. I know I'd like to spend several months (at least) in Japan -- a country that I love. How do you receive mail, and what do you do about your health insurance? There are services that will scan you mail or you can have a relative t...
by THY4373
Sat Mar 13, 2021 5:34 pm
Forum: Personal Consumer Issues
Topic: Anyone here live in AirBNBs full time?
Replies: 36
Views: 4168

Re: Anyone here live in AirBNBs full time?

This sounds like a plan that seems ideal at the surface, but comes up with a thousand little unforeseen headaches. Travel can be quite stressful. Things don't always go as planned. Despite this, I have mostly fond memories of my trips abroad. To some extent some of these things are just all part of...
by THY4373
Sat Mar 13, 2021 4:15 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 151
Views: 10102

Re: What are your travel plans in 2021 and beyond?

New Zealand Air just extended the trip credit from our cancelled May 2020 trip to June 2022. So hopefully we'll be able to see our friends in New Zealand in early 2022. Was looking at Aus and NZ for an early 2022 trip but I honestly think they and other countries pursuing a zero case strategy will ...
by THY4373
Sat Mar 13, 2021 12:26 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 151
Views: 10102

Re: What are your travel plans in 2021 and beyond?

Not too much mention of overseas places to visit for Americans. We are a kind of pariah at the moment due to our huge rates of sick and dead. Given how well vaccination is going along with the fact that we already have a bunch of folks who have had it and presumably have some level of immunity, I t...
by THY4373
Sat Mar 13, 2021 12:19 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 151
Views: 10102

Re: What are your travel plans in 2021 and beyond?

I have been booking various speculative trips on points since this started. Right now I have the following on the books: Just cancelled trip to Spain in May (flights got cancelled so just did a free refund to points). Trip to Japan in August. There is almost zero chance of this happening since they ...
by THY4373
Sat Mar 13, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: If I pay my income tax using my credit card with a high rewards percentage, do I need to pay taxes on the rewards?
Replies: 43
Views: 3382

Re: If I pay my income tax using my credit card with a high rewards percentage, do I need to pay taxes on the rewards?

I’d wait for IRS guidance on piddly transactions before twisting myself in a knot over something they likely don’t care about. Cheers I agree and the odds of them doing so is pretty low given their past practice. The judge actually called them out for this in the ruling, stating they should come ou...
by THY4373
Sat Mar 13, 2021 10:54 am
Forum: Personal Finance (Not Investing)
Topic: If I pay my income tax using my credit card with a high rewards percentage, do I need to pay taxes on the rewards?
Replies: 43
Views: 3382

Re: If I pay my income tax using my credit card with a high rewards percentage, do I need to pay taxes on the rewards?

But they do care about it—that’s why they went after the grad student in the case I linked. Granted, he made quite a lot from the rewards. IRS might not care if you don’t pay taxes on $100 cash back. But, for that little money, why risk an audit or worse? They only got on the IRS radar because the ...
by THY4373
Sat Mar 13, 2021 10:51 am
Forum: Personal Finance (Not Investing)
Topic: If I pay my income tax using my credit card with a high rewards percentage, do I need to pay taxes on the rewards?
Replies: 43
Views: 3382

Re: If I pay my income tax using my credit card with a high rewards percentage, do I need to pay taxes on the rewards?

Thanks for the link, this is very on point. If courts adopt this analysis in the future, I can see that likely the income that I described would be taxable. I am not a tax expert or a lawyer but I don't believe that decision has made rewards earned from bill paying ruled to be taxable. I don't thin...
by THY4373
Sun Mar 07, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 5177

Re: Can I avoid a prenuptial agreement if I do this?

On the other side, I'm not sure I would want to "marry" someone in the traditional sense of a life-long bond through "better or worse" if the other party was making contingencies. Maybe better off just friends without taking that vow. I don't know that I get this. I mean every m...
by THY4373
Sun Mar 07, 2021 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 970166

Re: What's Your Credit Card Rewards Strategy?

But that said, yes, there are people who have gotten wealthy using credit card rewards. You should familiarize with a recent legal case where a couple was forced to pay income tax on the $300,000 in credit card rewards they earned in one year. $300,000 is more than I make in a year. I know for a fa...
by THY4373
Sun Mar 07, 2021 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 970166

Re: What's Your Credit Card Rewards Strategy?

The part that I find odd is that I thought that the CC companies had cracked down/were sensitive to manufactured spending. So I'm rather surprised that this degree of spend could be achieved in the current environment. The CC companies cracking down is somewhat overreported in my experience. In fac...
by THY4373
Sun Mar 07, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 970166

Re: What's Your Credit Card Rewards Strategy?

You should familiarize with a recent legal case where a couple was forced to pay income tax on the $300,000 in credit card rewards they earned in one year. They actually weren't forced to pay tax on most of it. If you read the judgement the only taxable transactions were where they used CC to buy a...
by THY4373
Sun Mar 07, 2021 12:39 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 71
Views: 4748

Re: Buying Fine Art - advice needed.....

I called the auction house and asked if they would put me in touch with the buyer, and they would not as expected. We assumed that the antiques dealer offering the painting was the buyer, and remember he was at around $10K in price. So we contact the antiques dealer and offered him around $4000, wh...
by THY4373
Sun Mar 07, 2021 12:25 pm
Forum: Personal Investments
Topic: Will probably never buy a home. What changes should I make to my investment plan/allocation?
Replies: 34
Views: 2627

Re: Will probably never buy a home. What changes should I make to my investment plan/allocation?

The great thing about buying a property with a mortgage is that it forces you to save every month. If you are disciplined, forced savings isn't a benefit. I rent and save about 42% of my gross income and I don't even consider myself that disciplined on savings compared to many here. My savings is a...
by THY4373
Thu Mar 04, 2021 10:33 am
Forum: Personal Consumer Issues
Topic: Anyone employ personal assistants? House managers?
Replies: 49
Views: 4211

Re: Anyone employ personal assistants? House managers?

I pretty amused that folks are suggesting OP get married to have a house cleaner, personal assistant, etc. I mean really?!?! Protip to you coupled folks who think us singletons want to get coupled or think that being coupled is the answer to some challenge our singletons face in our life, seriously ...
by THY4373
Wed Mar 03, 2021 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee
Replies: 89
Views: 6775

Re: Medallion signature guarantee

I have needed them a few times in my life. In my early 20s they were needed to get my parents off my UGTM DRIP accounts and a local bank (I forget which was able to do this for me). More recently during my divorce my ex and I needed these to transfer stock assets to each other. Several local banks I...
by THY4373
Tue Mar 02, 2021 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do wealthy people typically own multiple properties?
Replies: 39
Views: 2175

Re: Do wealthy people typically own multiple properties?

bigtex wrote: Tue Mar 02, 2021 12:14 pm I define wealthy as $2 million or higher net worth. That is about the top 5%.
I am within you definition and I don't even own one home. YMMV as always.
by THY4373
Mon Mar 01, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: Want to be a nomad but not sure about keeping a house
Replies: 44
Views: 4244

Re: Want to be a nomad but not sure about keeping a house

We intend to be nomadic via an RV in retirement for 4-6 months out of the year. Renting in various locations for a few months at a time seems like a big headache due to having to move so much furniture and other things large items from place to place. I assume OP is renting furnished places like Ai...
by THY4373
Mon Mar 01, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Want to be a nomad but not sure about keeping a house
Replies: 44
Views: 4244

Re: Want to be a nomad but not sure about keeping a house

This is something I am planning on doing but haven't done it yet (still got a few more years of work ahead of me). I would sell the place and store the stuff you don't want to get rid off after downsizing. I don't think I'd rent a place as a home base unless I thought I was going to spend about half...
by THY4373
Tue Feb 23, 2021 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Exploring a move to California
Replies: 21
Views: 1816

Re: Exploring a move to California

Cannot help you much since I have only ever visited California but you may also want to do some searches here as moving to (and from) California seems to be a constant topic here. Lots of good information in those threads.
by THY4373
Mon Feb 22, 2021 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How to compare Job incomes (with pension)?
Replies: 46
Views: 3021

Re: How to compare Job incomes (with pension)?

Don't forget the public service part of working for the federal government. Many folks believe in the mission. Compare that to many private companies where it feels like you are working just to enrich the boss or shareholders. No doubt but remember the political appointees set the mission and it ca...