Search found 1437 matches

by THY4373
Fri Jun 18, 2021 9:25 am
Forum: Investing - Theory, News & General
Topic: What Is Your Longest-Held Investment?
Replies: 65
Views: 2869

Re: What Is Your Longest-Held Investment?

My godfather gave me a single share of KO (Coca Cola) in 1977 for Xmas which has been on reinvestment ever since. The investment is now worth $25k-ish. Probably the best xmas gift I have ever got. I still hold it because it honestly hasn't been a bad investment over the years and I am sort of attach...
by THY4373
Thu Jun 17, 2021 7:30 pm
Forum: Personal Consumer Issues
Topic: How long to wait for a passport to arrive?
Replies: 13
Views: 1026

Re: How long to wait for a passport to arrive?

Not a passport but I have had other mail take 2-3 weeks longer than it should to show up but it eventually did. I might give it another week before reporting it "lost".
by THY4373
Thu Jun 17, 2021 7:25 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 252
Views: 16779

Re: Vacations Plans?

GerryL wrote: Thu Jun 17, 2021 7:12 pm I am scheduled for my first post-lockdown international trip in October. Paris/Normandy. Not when I would have chosen....
Honestly you may like it, I actually prefer going to Europe outside of summer due to far less crowds and I prefer the cooler temperatures.
by THY4373
Thu Jun 17, 2021 7:20 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 252
Views: 16779

Re: Vacations Plans?

Greece in September. I cannot wait. Going to do some island hopping in the Cyclades and then spend a few days on the mainland. I chose this because one they opened up, two United put on direct flights to Athens from Dulles with plenty of almost never seen saver level award space in business class an...
by THY4373
Thu Jun 17, 2021 5:57 pm
Forum: Personal Consumer Issues
Topic: World Cruise Recommendations
Replies: 38
Views: 2079

Re: World Cruise Recommendations

My longest and most enjoyable cruise was 12 days. I would not want to take anything shorter than 7 days. I too would like to take a world cruise in retirement, due diligence in regards to cruise line itinerary etc. could take some time. But I don't think as much time or due diligence as planning an...
by THY4373
Thu Jun 17, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: World Cruise Recommendations
Replies: 38
Views: 2079

Re: World Cruise Recommendations

It is possible that things have changed, but my ticket was through the OneWorld alliance (American Airlines, British Airlines, QANTAS, Cathay, etc) and there were no change fees, at least as to flight times. You had to use the entire ticket up in a year and had some routing restrictions, but they w...
by THY4373
Thu Jun 17, 2021 2:32 pm
Forum: Personal Consumer Issues
Topic: World Cruise Recommendations
Replies: 38
Views: 2079

Re: World Cruise Recommendations

If you're traveling around the world by air you may be lugging both hot and cold weather clothing to all your stops, as well as items you'd want in some places but not in others. You can use shipping services, of course, but that's an added complication. But what it comes down to is that for many p...
by THY4373
Thu Jun 17, 2021 12:50 pm
Forum: Personal Investments
Topic: Do you have a "survival" retirement number?
Replies: 56
Views: 4817

Re: Do you have a "survival" retirement number?

I don't have a survival number per se. But I do have a bare minimum number that would cover my basics. While I would almost certainly would not retire on this number (in fact I have already exceeded it). It is useful for my planning purposes on what sort of risk I can take with my investments and my...
by THY4373
Thu Jun 17, 2021 9:43 am
Forum: Personal Consumer Issues
Topic: Best electric cooktop
Replies: 3
Views: 320

Re: Best electric cooktop

Induction cooktops >>>> resistance cooktops in my experience (if you are willing to deal with having only magnetic cookware). For resistance cooktops they are simple devices and largely I suspect very similar in performance. At that point you would probably just want to chose the features you want (...
by THY4373
Wed Jun 16, 2021 11:56 am
Forum: Personal Investments
Topic: Hit my "number" (I think)...now what?
Replies: 103
Views: 9387

Re: Hit my "number" (I think)...now what?

On ACA don't forget it goes up with age. Assuming no subsidies in my neck of the woods at age 64 it is around a $1000 per month per person. I hit my number this year (a few years older than you) but I'll work until 55 to get retiree health benefits. In addition to expenses which you seem to have a h...
by THY4373
Wed Jun 16, 2021 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice for Divorcee
Replies: 54
Views: 4117

Re: Real Estate Advice for Divorcee

If you are worried about the lawyers making things more argumentative I strongly suggest you look at the collaborative divorce process which was recommended to ex and me by our marriage counselor. The lawyers doing the collaborative process do not try to fight out everything they work together and w...
by THY4373
Wed Jun 16, 2021 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Best month to retire
Replies: 39
Views: 3626

Re: Best month to retire

This is going to vary on your personal situation and probably what your organization offers. For example I'll hit 55 in December in a few years. That is my magic number for retiree health benefits. I'll probably retire early the following year. For example my company gives me $1200 into an HSA in th...
by THY4373
Tue Jun 15, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: How long should a car last?
Replies: 85
Views: 5413

Re: How long should a car last?

Cars can go a really long time depending on how you maintain them, whether they are garaged and to a lesser extent their underlying quality. I have tended to buy used domestic sedans at 3-5 years and kept them until they were 15-18 years old with just under 200k miles on them. Most of the time I am ...
by THY4373
Tue Jun 15, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: How long should a car last?
Replies: 85
Views: 5413

Re: How long should a car last?

10 years is a good timeframe. We have gone 15. Too long. Plastic parts become brittle, stuff fades, rubber rots. This is probably highly variable depending on where you live (how much sun) and whether the car is garaged. My current car is 11 years old and nothing is faded or brittle. I bought it ab...
by THY4373
Mon Jun 14, 2021 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Buying Condo
Replies: 18
Views: 1549

Re: Advice on Buying Condo

We live in Chicago where housing market is crazy but condo market is not — and is actually very affordable right now. We were thinking about buying a cheaper condo now that is far under our budget, living in it for 1-3 years, and then keeping it as an investment property when we then do buy a home....
by THY4373
Mon Jun 14, 2021 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much does [Seattle area] private school cost?
Replies: 44
Views: 2301

Re: How much does [Seattle area] private school cost?

Many kids in private school remained in in-person instruction this last school year, while their public school peers attended zoom classes..... and often went from good students to failing ones. Agreed my son's private school rocked their COVID handling while the public schools around here were a l...
by THY4373
Mon Jun 14, 2021 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice for Divorcee
Replies: 54
Views: 4117

Re: Real Estate Advice for Divorcee

Did you keep track of your expenses during that 12 month timeframe and split 55-50? Share accounts? Thank you. I did track expenses for building out my new household. So say if ex was keeping the kitchen dishes and I had to buy new ones I was effectively reimbursed from the martial assets pre-split...
by THY4373
Mon Jun 14, 2021 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice for Divorcee
Replies: 54
Views: 4117

Re: Real Estate Advice for Divorcee

I was in your shoes with my ex taking the house while I had to move out. Also in my state it was important to move out because you had to be separated for 12 months before you could file for divorce if you had a child (which we did). The state heavily leaned on living in separate places in order to ...
by THY4373
Sun Jun 13, 2021 10:49 am
Forum: Personal Investments
Topic: Working on Planning RMDs - Should I stop Contributing
Replies: 82
Views: 5414

Re: Working on Planning RMDs - Should I stop Contributing

Great question, thank you. Here are my thoughts. First, I do love what I am doing and I love the company really enjoy working with my boss. I just enjoy it. Second, and this is probably the biggest one, is I am petrified of not being able to get health care. If I am not eligible for medicare and I ...
by THY4373
Sun Jun 13, 2021 9:56 am
Forum: Personal Investments
Topic: Working on Planning RMDs - Should I stop Contributing
Replies: 82
Views: 5414

Re: Working on Planning RMDs - Should I stop Contributing

OP you seem in great financial shape is there any reason you want to continue working until you are 65? You don't seem to need to work that long for the money. If it were me I'd be reassessing how long I wanted to work.
by THY4373
Fri Jun 11, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: Help me choose:Provia or American Craftman for Glass Patio Doors??
Replies: 21
Views: 1430

Re: Help me choose:Provia or American Craftman for Glass Patio Doors??

Had ProVia doors installed at my old house (ex still lives there) probably 11 years ago now, they have held up great. Also has some Marvin French doors installed probably 15 years ago and they too have been solid.
by THY4373
Thu Jun 10, 2021 10:50 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16608

Re: which state to retire

I find it amusing that some posters are trying to suggest property taxes in a no income state might be higher. This might be true coming from some states, but OP is coming from NJ which is the reigning US champ for property tax rates. I wasn't suggesting that as I am well aware of what NJ property ...
by THY4373
Thu Jun 10, 2021 9:06 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16608

Re: which state to retire

If you used a tax software this season, maybe purchase for two or three additional states and see for yourself what you really would have saved. Unfortunately it is a lot more complicated than this. States get their pound of flesh, eh taxes, different ways and this is only looking at the income tax...
by THY4373
Wed Jun 09, 2021 6:01 pm
Forum: Personal Consumer Issues
Topic: 60,000 AA Miles - Single Purchase, No Annual Fee 1st Yr
Replies: 7
Views: 941

Re: 60,000 AA Miles - Single Purchase, No Annual Fee 1st Yr

Mastercard issued by Barclays, so no concern with the Chase 5-card maximum. As far as I know Chase doesn't have a 5 card maximum. I think what you are referring to is the Chase 5/24 rule which is you cannot have five new credit cards in the last 24 months showing your credit report. Since it is Bar...
by THY4373
Tue Jun 08, 2021 5:59 pm
Forum: Personal Consumer Issues
Topic: Does USPS accept Walk-In Passport Appointments?
Replies: 25
Views: 2156

Re: Does USPS accept Walk-In Passport Appointments?

A couple of Post Office's around me appear per the State link above to allow walk-ins but the vast majority do not. I did do a walk-in with my son years ago before COVID and if you try get there early. At the PO we hit we got there 30 mins before the PO opened and by the time they opened there were ...
by THY4373
Mon Jun 07, 2021 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which house to buy if you like them both?
Replies: 26
Views: 2154

Re: Which house to buy if you like them both?

Should be in Boise for at least 3-5 yrs. If you are planning on selling when you leave I'd make sure you are ok with the transaction costs. We are probably closer to the top vs bottom of the current real estate cycle so I'd probably be pushing out my likely breakeven point beyond the typical buy if...
by THY4373
Sun Jun 06, 2021 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

can you expand on "they can't afford to divorce"? are they miserable together but when they talk about divorce they realize the finances are too difficulty to deal with single that they decide to rough out the relationship until certain time? ie - is it usually till kids grow up? Almost a...
by THY4373
Sun Jun 06, 2021 12:02 pm
Forum: Personal Consumer Issues
Topic: Credit card for traveling
Replies: 20
Views: 1527

Re: Credit card for traveling

Travel card needs are pretty specific to personal situations--so the lounges in your home airport, the type of travel you do and your feelings about insurance will make general advice iffy. This is the correct answer it is really going to depend on your travel patterns and what you seek in a card. ...
by THY4373
Sun Jun 06, 2021 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Retired Singles, When did you take SS?
Replies: 42
Views: 3723

Re: Retired Singles, When did you take SS?

I am 51, single, plan on remaining single, and still working but I have been giving this a lot of thought and doing a lot of modeling of my withdrawals in retirement (which will likely be at 55). I plan on taking at 70 for the following reasons: I have a lot of tax deferred money that I'd like to sp...
by THY4373
Sat Jun 05, 2021 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

livelovelaugh00 wrote: Sat Jun 05, 2021 7:11 pm Invest in our marriages.
Invest in our health.
Guaranteed return.
Both are great ideas yes, but no guarantees on either. We like to think we have more control over events than we actually do.
by THY4373
Sat Jun 05, 2021 5:38 pm
Forum: Personal Investments
Topic: Splitting an Inheritance
Replies: 31
Views: 3809

Re: Splitting an Inheritance

Are there different account types, such as some taxable, some Traditional IRA, and some Roth IRA? Those accounts are all treated differently for the heirs. If there are different account types it is best to split each equally (if there is flexibility to do so). +1 as part of my divorce we actually ...
by THY4373
Sat Jun 05, 2021 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

From what I have seen, those who get divorced could afford to get divorced. I have seen this as well and honestly it is a large part why my ex and I are divorced because basically we could afford it. But I have several good friends who are in marriages where basically the only reason they are still...
by THY4373
Sat Jun 05, 2021 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

Yup, same here - I think of it as yet another black swan , albeit one that we all actually know is statistically possible. I am not sure we can call something that has a probability of say conservatively 30% over the course of four decades a "black swan". It seems a pretty known risk and ...
by THY4373
Sat Jun 05, 2021 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

I somewhat disagree with the premise, only in that I think most Bogleheads are equally failing to take into account the possibility of the death of one person in a couple, and the tax impact that has. There's more than one way to end up being single. Admittedly there can be more resources available...
by THY4373
Sat Jun 05, 2021 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

Most travel-related activities for two people cost less per-person as the same activities for one. I travel more now that I am divorced than when I was married. In fact I have hit 35 countries of which 28 are new to me since 2016 when my spouse and I separated. It might cost more per person but it ...
by THY4373
Sat Jun 05, 2021 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

While I don't disagree with folks saying to focus on your relationship, I think they are overstating the control you have to keep a partner. With that said some other things you can do to prepare in my experince: Marry somebody who earns at least close to what you earn and keep them working. Take a ...
by THY4373
Sat Jun 05, 2021 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

I don't think divorce is really any different than being single again. When married you have combined incomes and a roommate who shares your life's goals and household chores. When single, your costs for fixed expenses essentially doubles and your costs for variable expenses will probably end up be...
by THY4373
Sat Jun 05, 2021 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13088

Re: Can we talk about what I think is a blind spot in our retirement planning?

OP I agree this is a real blind spot with Bogleheads. I am divorced and now have a wonderful solo life and I have no interest in getting remarried or living with a romantic partner again. I am as committed to my solo-ness as most BH's appear to be committed to their marriages. Thus I find it amusing...
by THY4373
Sat Jun 05, 2021 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Vacation home frenzy?
Replies: 76
Views: 13123

Re: Vacation home frenzy?

I'm a millenial, have a STEM graduate degree, and a good job. A down payment for a decent house is well over a years gross pay. I'm adequately saving for retirement, but at this rate I have no hope of buying a house before I'm 40. Meanwhile previous generations seem to be focused on 2nd or 3rd home...
by THY4373
Thu Jun 03, 2021 5:53 pm
Forum: Personal Consumer Issues
Topic: Potential Relocation to Austin - Should We Do It?
Replies: 123
Views: 8712

Re: Potential Relocation to Austin - Should We Do It?

Research property taxes (especially the school tax portion) in Austin first. You may find that while Texas doesn't have an income tax, the property taxes are significantly higher than many realize. When we left in 2018, a home assessed at $375K was paying nearly $9K per year combined property tax. ...
by THY4373
Wed Jun 02, 2021 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: My auto insurance is crazy high
Replies: 57
Views: 6946

Re: My auto insurance is crazy high

Property damage: $50,000 Bodily injury liability: $50k/$100k Uninsured motorist: $50k/$100k PIP: $10k Comp and collision: $500 deductible Rental reimbursement: $40/day Those liability limits seem low. I guess it depends on your assets and future earnings but I'd personally raise those. I do agree r...
by THY4373
Wed Jun 02, 2021 4:54 pm
Forum: Personal Consumer Issues
Topic: USA Passport Question
Replies: 22
Views: 2056

Re: USA Passport Question

When one applies, reapplies for Global Entry, one needs to list countries visited in previous years. An old passport can help your memory. Or a federal background investigation. I was actually ask to bring *all* my old passports to my last investigation. Which was surprising as in the past I only b...
by THY4373
Wed Jun 02, 2021 11:51 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 687
Views: 80316

Re: Are we in a housing bubble?

For the rest of us? A family of 4 surely does not need more than 2500 square feet. I think I grew up in 1800 and I don't recall feeling deprived. (My mother has lived in that house 60 years, and the area has become even more desirable in that time). As a single person, one part of me wants a nice s...
by THY4373
Tue Jun 01, 2021 5:11 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 252
Views: 16779

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

For Italy they say: Do not travel to Italy due to COVID-19. Exercise increased caution due to terrorism. That second part implies a terrorism risk of "level 2" which is pretty much what much of Western Europe has been for years. It wouldn't worry me in the least personally. The COVID-19 t...
by THY4373
Tue Jun 01, 2021 3:34 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 252
Views: 16779

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

Current State Department Travel Advisory list; https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html/ I am sorry they have jumped the shark in my book by coding most of the world as a Level 4. I have historically paid attention to them while also looking at the other maj...
by THY4373
Mon May 31, 2021 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - Aren't they all the same? [Update]
Replies: 30
Views: 3467

Re: Homeowners Insurance - Aren't they all the same? [Update]

Regarding USAA, here is what I found to explain their "change" in reputation: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=327362&p=5539482#p5539482 That may be some of it and while I posted upthread about my uncle saying USAA was great to deal with when he managed a large...
by THY4373
Sun May 30, 2021 2:20 pm
Forum: Investing - Theory, News & General
Topic: Anyone out there not (yet) own any real estate?
Replies: 121
Views: 10820

Re: Anyone out there not (yet) own any real estate?

I will add that a majority of landlords are not in the rental business to lose money, the pandemic notwithstanding. That is absolutely true but I'd expect that on every transaction I make in a capitalistic society and that doesn't mean it doesn't make financial sense for both sides. I am not farmin...
by THY4373
Sun May 30, 2021 2:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone out there not (yet) own any real estate?
Replies: 121
Views: 10820

Re: Anyone out there not (yet) own any real estate?

But you care what color they are why you buy. Exactly why you compare two diff circumstances to feel better. Choice is up to the individual, but don’t make cheaper choices to live by rent so you can save more then compare it to a totally diff living type/quality when you buy! If you bought the equi...
by THY4373
Sun May 30, 2021 10:01 am
Forum: Personal Consumer Issues
Topic: Is an iPhone value worth it over an Android phone?
Replies: 91
Views: 6984

Re: Is an iPhone value worth it over an Android phone?

I’ve used both. They’re both objectively very good. Pretty much this. I have a personal Android phone and a corporate issued iPhone. They both get the job done just fine. Honestly a lot of it is going to come down to which OS you find more intuitive. I got my start on Android with some cheap Androi...
by THY4373
Sun May 30, 2021 9:56 am
Forum: Personal Consumer Issues
Topic: Is an iPhone value worth it over an Android phone?
Replies: 91
Views: 6984

Re: Is an iPhone value worth it over an Android phone?

I read somewhere that Apple can change the battery. There is also of course 3rd parties who can do that if the phone is out of warranty anyways. But then the question would be "Does it worth to change a battery to get 2 more years out of a phone?"! Batteries are changeable on most phones ...