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We're about to make our first international trip with another to follow not that long after. I wish that would have known about the annual coverages. I purchased the individual trip coverage so I paid way too much.

I don't necessarily need trip reimbursement. I mainly want the medical. After reading this thread, I looked into the travel medical coverage from BCBS and UHC. For the future, that's the way I'm leaning.

Should be:

R* + inflation reading(s) = ~3.50%
Taylor Rule(s) = ~3.50%

Instead:

R* + ATSIX "Expectations" = ~4.50%

Add to that Gundlach's view of Wu and Xia's ‘What was the effect of quantitative easing?’ whereas every $200B of addition and subtraction via quantitative easing and quantitative tightening is equivalent to about another 25bps. About 2.2T in roll-off so that's another 275bps in shadow Fed Funds rate hikes.

So we should probably be closer to 3.50% but he has us effectively running closer to 7.25%?

The only advantage that they have left is that they still offer more direct flights than the others.

Those two things do not equal each other.

I'm taking this trip soon, too. Bookmarking for future.

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New rules allow you to roll it into a Roth IRA up to 35,000. Still have to abide by the yearly contribution limits though. That would be a great start to his retirement.

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Because of the changes, I'm about to set up a 529 with my wife as beneficiary and she'll set a 529 with me as the beneficiary. We currently don't have kids. If we have kids, we transfer the beneficiary and it's all good. If we end up not having kids, we'll do the roll-over. If there's any excess funds, we can take some classes or something.

$3,000 contributions for the first three years @ 8% annual returns gets us $25,000 after 15 years
$3,000 contributions for the first for three years @ 10% annual returns gets us $35,000 after 15 years

30A -- Off season so it will be cheaper. Some things may be closed so check ahead of time. Do Rosemary Beach. Stay at The Pearl. Eat at La Crema (at night) and Pescado's (at lunch). Enjoy sitting and sipping on the beach. Go to Seaside for a bit. Don’t know how the hurricane affected the area.

Ocean Springs, MS -- Eat. Drink. Shop. Some live music. Drive the coast in and out. Stuff to do in Biloxi if you get bored.

Fairhope, AL -- Fairhope and The Grand are pretty nice around Christmas time so maybe all of the stuff will still be up. No shortage of good places to eat. Hope Farms was excellent. I like The Grand, but the rooms are in desperate need of updating. You might be better off staying at an AirBnb. Or stay at The Battlehouse in Mobile and just drive down to Fairhope for the day. You'd be able to catch stuff in Mobile, too. Downtown Mobile is surprisingly walkable.

Grapevine, TX -- Stay at Hotel Vin. Walk Main Street. More things to do indoors if you think the temperature will be an issue. Texas Star Dinner Theater, Texas Shooting Experience, Meow Wolf, and escape rooms nearby.

Canton, TX -- Go to Canton's First Monday Trade Days. Stay in Terrell or Tyler/Longview. It takes the three days just to walk and "see" everything.

Natchitoches, LA -- Typical long-weekend stuff.

I haven’t been there yet, but Natchez, MS, or drive the Natchez Trace. Haven’t been to Fredericksburg or San Antonio yet.

I remember seeing $50 flights to Austin from Baton Rouge somewhere.

It's the last weekend for the Shuckers. Grab some Skybox tickets and suck up some A/C while watching the game.

I've never been, but I had a few things on my radar:

See if anything worthwhile will be at The Palace Theater. I know Steve Martin and Martin Short are doing a show there soon.

Go use the lobby bathroom at the Hotel 21c. I hear that there's an interesting one-way mirror.

Eat a Brown Sandwich from the Brown Hotel.

Go to the Speed Art Museum and the Frazier Museum.

There's a glass activity center where you can make things out of... well, glass.

The behind the scene tour at Louisville Slugger Museum and betting a race at Churchill Downs is way up on the top of my list along with the typical burbon trail stuff.

Texas' economy is booming because of the goods coming across the boarder not the people. Supply chains are relocating from Asia to Mexico. Mexico has favorable demographics and low-end skills. The US has not-horrible demographics and high-end skills. It will be mutually beneficial for both countries. Texas is reaping the benefit from that because of the co-location of re-shored manufacturing.

The ILLEGAL crossings don't pay FEDERAL taxes because FEDERAL taxes are paid on income. They don't pay the taxes that are used to pay for the majority of services that they receive. It is a drain. TEXAS has the right idea because of their consumption and property based taxes. It doesn't matter if they are ILLEGAL or not because they pay their share through their consumption or their rent (whose landlord pays property taxes).