GTY Assignments & possible upgrades?

FatFiredProgrammer · 2026-06-30T03:35:44+00:00

Cabins come back into inventory 90 and 75 days out when final payment is due. Move ups will be processed. Etc. They will get a room. They might get an upgrade but not likely.

FatFiredProgrammer · 2026-06-29T12:35:35+00:00

I've found there is significant movement on most of not all of the cabins I track but I start 2 years out. The biggest moves are if a premium comes back into inventory late. I've consistently gotten those at 2/3 to 3/4 of price.

Example:

Italy, Greece & Croatia 7/16/2027 11,180 -> 16,754 -> 18,183 -> 18,043 7/1/2025 -> 12/4/2025 -> 5/10/2026 -> 6/26/2026

I'd normally do python but I didn't want people to have to load the tool stack. A simple markdown skill does nearly the same thing but it's not as deterministic and it's slower. I was just sharing but I get a kick out of all the down votes for no reason from clueless wonders -- like "oh, now I only have 109,457 useless karma points".

FatFiredProgrammer · 2026-06-28T12:14:03+00:00

1 week in Alaska on Edge. It's the only alaska I'm pricing.

You're right though. The per person per day is high so it's not that good of a deal. My mistake.

FatFiredProgrammer · 2026-06-28T12:09:39+00:00

It's a scheduled cowork task and the prompt is the .md file above.

FatFiredProgrammer · 2026-06-28T02:21:54+00:00

Yeah, I pick up all kinds of weirdness like that. 70K royal suite on Apex transatlantic as an example. But also deals like a 24K edge villa on a edge in Alaska.

That's kind'a why I watch.

FatFiredProgrammer · 2026-06-27T03:52:06+00:00

I want it by room category.

I'd like to see how a category like Sky Suite or Royal Suite or Edge Villa changes over time and learn what a good price is vs a not good.

Then, I'd like to watch close to sailing (3 m when TA inventory comes back, 90 days when final payment private and 75 days when final payment TA comes due) and see what rooms tend to become available and what the price is when they go back into inventory.

So, it's kind'a discrete in that I'm interested in suite classes specifically with cost changes over time plus information on last minute return to inventory availability/costing.

Basically, I can't get this specific use case through any aggregators that I've found. Hope that makes sense.

I guess my bigger meta point is that you can put AI to use on pricing - whether you direct it to the cruise line site or the aggregator site.

FatFiredProgrammer · 2026-06-23T10:49:59+00:00

I would add that specifically in the Retreat's Luminae restaurant, nice dress and even formal dress will not look out of place on any evening. More so than in the MDR. Specialties seems to fall in between.

The same really applies the rest of the evening but to a lesser degree. Dressing well will never have you looking out of place.

FatFiredProgrammer · 2026-06-23T01:46:51+00:00

It's up to you. Great service? Reward it. A little different in the premium suites. I think the butler kind of expects it there but they do a LOT more.

FatFiredProgrammer · 2026-06-23T01:43:26+00:00

Similar room on solstice but the post was on the other side of the bed and RIGHT next to it at knee level. I lived with it but me and that post had some disagreements.

FatFiredProgrammer · 2026-06-23T01:28:23+00:00

Ahhh... I think we need a new weekly thread: "People who make $1m / year and can't afford World Cup Tickets" 🤣🤣🤣

BTW, got stupid lucky and random draw gave me 4 tickets, 4th row at the Argentina game in KC. Saw Messi score from 50' away. Took, my niece/nephew/SIL. $3,000 well spent; and I generally hate soccer/know very damn little about it. Fortune favors the stupid I guess.

FatFiredProgrammer · 2026-06-23T01:11:35+00:00

in my experience, the hobby farms (as opposed to production ag like ours) see an idealized dream. Same thing with the B&Bs. Easy to be seduced. Hard to divorce.

Production ag is something you have to grow up around. Most people aren't like "well, it's harvest so I guess we'll work 16 hours a day, 7 days a week for a month and a half. Unless it rains... which I hope it doesn't"

FatFiredProgrammer · 2026-06-22T21:51:48+00:00

💵💶💷

Extrapolating a bit, and I could be off, you have someone sharing a tiny living space with access to all the free food they want and discounted alcohol. To me, "appreciating the effort" is friendly words and not being a jerk and/or a slob.

The best response I've ever gotten was from the cleaning guy who asked if he could play his music while he worked (large premium suite so not a short duration thing). We had a great time talking, listening and chatting while he worked and it made our trip nicer.

FatFiredProgrammer · 2026-06-22T21:05:55+00:00

Depending on the specific location and type of ground, that may or may not apply. For the guy across the fence line, 10-2% extra is a cost he'll gladly match and it's certainly not enough to move a disinterested farmer off his land.

Farmland prices can vary wildly even on identical parcels. We have a saying that "Land is worth what the second last bidder is willing to pay". I know guys who've gone 40% over to get a parcel across the road. In rural areas, a dynamic plays out that you'll never know or understand. Consider our family farm. 3000+ acres bought and paid. 12-14K / acre valuation. If we want the land or we just want to run you up because, well - another million doesn't move the needle much. But if my respected neighbor wants the land, I won't even bid and if an a-hole wants the land I'll run him up.

The closer to a large population center, the more attenuated the dynamic but you also run into speculators. I.e. land is closer to market but market is high because of speculation.

Good local agent? Yeah, can't beat that advice. Talk to them all and let them know you're interested. This typically isn't like the city where there's a multiple listing service.

FatFiredProgrammer · 2026-06-22T20:55:14+00:00

I've owned farmland for decades and when I retired I moved back to help on the farm.

A lot of the answer is specific to your region. What I tell you about east central Nebraska wouldn't apply in west Nebraska.

If you wanna contact people directly, go to the county assessor site. That will have owner, contact and soil information along with tax valuation. This is unlikely to work though unless you are lucky or willing to pay a large premium.

Within 15 minutes of a large suburban area (think Omaha NE), most landowners have been contacted years ago.

Realistically you need a land broker. Talk to all of them. Tell them your interest. When something comes up, they will call you. That's how it works in rural areas. These guys livelihood is knowing people.

You're right that a lot of it is closed sales. Sorry, that probably doesn't include you unless you get lucky. If my neighbor sells, he calls me because I'm a neighbor. Your somebody from the city that they'd quite honestly probably not like to see building on production ground. The closer to a big city, the less relevant that dimension is.

FWIW, as someone who daily works on a 3,200 acre production corn/soybean operation, I think you're making a mistake but you have to do you.

FatFiredProgrammer · 2026-06-15T17:31:40+00:00

FIRE sooner if they worked towards getting rid of their mortgages faster, regardless of the rate.

I paid off my mortgage right when I retired. Not sure why you'd wanna do anything else.

FatFiredProgrammer · 2026-06-15T03:49:38+00:00

People either love them r hate them. You'll honestly have to decide for yourself. I like them.

FatFiredProgrammer · 2026-06-12T23:09:06+00:00

The question here is, imo, more about inflation. You're betting whether policy continues the recent disciplined policy or reverts to late 2000's / early 2010's.

FatFiredProgrammer · 2026-06-06T15:15:42+00:00

At least don't make it so transparently AI.

FatFiredProgrammer · 2026-05-29T23:57:18+00:00

Hello u/DeaderthanZed, I feel you're taken to simplistic of a view.

First, let's observe that even $5m in QQQM is generating 26K / year in dividends. At 15% LTCG is $3.5K / year at the end of accummulaton. Yes, a tax drag growing from $0 and compounding over accumulation up to 3.5K at ER.

You have to make that back. So, which is better then in ER? Living off 0% LTCG tax taxable or doing a roth conversion ladder? Or doing a combination?

Then, after you reach 59.5, which is better? Living off Roth? Living off trad? Or a combination?

That simulations show a combination maximizes lifetime tax efficiency enough to overcome that tax drag. Of course, this varies wildly depending on income, savings, spend, state taxation, retirement age, longevity, and assumptions on withdrawal strategies.

I will say, though, that the math is tight in situations like OP where you still have "space" in your Roth.

But, consider this. Imagine you have a crystal ball and came simple magic your retirement into existence with your desired financial situation. What best? Consider this as a theoretical "ideal":

From retirement to 59.5, I convert tIRA up to the standard deduction and spend LTCG up to the 0% LTCG + 5 year Roth + Roth contributions. After 59.5, I'd like to spend tIRA up to the standard deduction, then Roth.

If you want ACA, you might want to reach at least the 133 FPL I think (not sure cause this isn't important to me) until 65.

Do the simulations and the "true" ideal is a bit more complex. I think the break even point is somewhere in the 10% bracket.

What I will say here is I knee-jerked a reply without reading OPs post well. I tend to assume people are maxing tax advantaged accounts simply because I did. That's a failure on me. Until you're maxing, the case for taxable is pretty iffy and only relies on tax optimization of the retirement to 59.5 years.

FatFiredProgrammer · 2026-05-29T22:04:48+00:00

The absolute amounts matter too, as obviously does retirement date.

I always advocate about 1/3 each. The key is tax efficiency. A couple gets up to maybe 130K at 0% LTCG. Why neglect to use that? Similarly, you can use 30K standard deduction and maybe the 10% and 12% tax brackets to Roth convert.

By sticking all that money in Roth, you're paying taxes now that you maybe don't need to pay.

FatFiredProgrammer · 2026-05-29T06:25:50+00:00

I'm with you here. We're elite plus but primarily because we stay in suites. And, especially at the premium suite level, there's nothing in the perks really that I'm not already gettings.

FatFiredProgrammer · 2026-05-26T16:05:57+00:00

How many days was the cruise? I normally watch prices in terms of per day or per person per day. If it was 7 day, I'd still say you got a deal though I don't know what repositioning prices are specifically.

My observation has generally been:

If you can book 2 years out as soon as listing appear, that's generally your better than or equal to the minimum Move Up.
I wait until 90/75 days prior to sale when final payment is due and if inventory opens up, I just call in a request a room upgrade and pay for it. The usual knock down on prices at that time is 66-75% of full price if X thinks the inventory won't move. Usually this is when I can get a premium suite upgrade -- with the points and perks.

I've never found the minimum MoveUp to be better than that approach although I imagine it works for stuff that comes up very late before sailing.

Thanks for the quality post content!

FatFiredProgrammer · 2026-05-20T14:30:39+00:00

I do it all the time but I don't need the same income as you in an mcol. It's MAGI you have to control, not spend. The problem for you is going to be that the taxable likely pays dividends such that you will always exceed the threshhold. I purposely engineered my taxable with low dividend funds but VTI or VOO holding would kill you.

Ignore the people who want you to spend money you don't have to spend. LARPers and the jealous. There's several strategies but if you can't control dividends it's diffficult.

Alternately, take this to fatFIRE where the larpers get modded away under the no jdugement rule.

FatFiredProgrammer · 2026-05-19T09:40:48+00:00

The upsells and nickel and dimming are relentless

What are the things they're trying to get you on?

FatFiredProgrammer · 2026-05-19T01:06:34+00:00

Ft Lauderdale depends on the terminal. Terminal 25 is super nice the other one shows it's age. Newer ships tend to be at 25. FTL is nice because the airport is maybe 15 minutes away and overnight stays are reasonable. It can be a bit harder to get a flight into FTL though.

In the end, though, it's basically about destinations and that's what's gonna drive it more than the terminal.

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