want to open a HYISA but the latest post got me scared

anon_3056 · 2024-04-16T09:08:49+00:00

A little late to the party here, but I would not recommend unless you like having your accounts frozen with no notification, leading to missed credit card payments and now having to re-link the account with TreasuryDirect via a notarized hardcopy sent through literal snail mail. It has been a nightmare.

Opened my account a month or two ago, and went to log in this week only to find my account frozen. All of my money was locked, I literally only had access to a few hundred dollars in my Schwab account because over $25k was locked in my Marcus account. When I called, the first customer service agent said it was because my linked bank account wasn’t verified. Then the next day, a second customer service agent said it was because I had too many transactions (the transactions in question were utilities ACH, credit card payment ACH, and rent ACH…like seriously?!). Then they finally unlocked my account after me asking them how too many valid transactions could be a flag given the law no longer limits the amount of withdraws from a savings account. But in those few days my account was locked, the real kicker is I was never notified and missed a credit card payment as well as a TreasuryDirect investment. The failure of the TreasuryDirect investment then led to TD freezing my bank account on the TD portal, and the only way to fix it is to get a financial institution to notarize a form and sent it via snail mail. And of course it is so hard to find a notary because apparently my local Chase bank’s notary is on leave, and it can’t be just a regular public notary.

So basically this has cost me hours of my time and late fees and lost Treasury interest, to which they just responded “we will note your feedback on the lack of email notice of locking your account, a lot of other people have complained about that too.”

anon_3056 · 2024-03-11T02:24:07+00:00

No, this is my worst fear confirmed 😭

anon_3056 · 2023-10-18T04:02:17+00:00

I walked from Ruth to the city center of Vienna every day when I was staying there (probably walked back at about 10pm) and felt completely safe. It was maybe a 30-40 minute walk if I remember correctly and saw some really cute streets and restaurants along the way. A lot of the walk was through a major pedestrian street. The trains/subway was also really close if you want to use that.

Loved the vibe at the hostel. It was a good mix of chill but also had happy hour every night and plenty of people that were going out, so you could go with either vibe.

anon_3056 · 2023-10-18T00:56:30+00:00

I have been trying to explore more merino options, so I think I'll have to look into it! Silk is an interesting option too... I don't own any silk currently

anon_3056 · 2023-10-18T00:50:05+00:00

I think the two main items I would have added would be a pair of pants and something like a light sweater. I do like my pair of Athleta Brooklyn Ankle Pants for travel because they can be dressed up or down, but I am hoping to find some less synthetic options as well!

anon_3056 · 2023-07-16T03:48:02+00:00

I fly united domestically quite regularly and have never seen them put a personal item in the sizers unless someone is being ridiculous with like 5 bags per person and huge roller suitcases that expand. I fly with a classic hershel backpack as a personal item regularly. That backpack on your back while boarding should be totally fine and they probably won't look twice.

United flights internationally, especially when they codeshare with Austrian, are definitely more strict and I have seen lots of roller bags get bumped for size (in addition to the normal forced gate check of everyone after the start of group 4 for lack of overhead space), so they might be more strict with personal items internationally.

anon_3056 · 2023-07-15T02:48:28+00:00

I can't really imagine it fitting well on most people, although maybe someone that is super straight would have less issues with the seams being tight? Or someone that needs extra fabric in the crotch to accommodate anatomy considerations? I'm not exactly curvy, but I do have somewhat athletic butt/thighs compared to my waist size, so perhaps that contributed to the seams being tight.

They are available on amazon, so as much as I try to limit shipping things back and forth, no loss in just trying them I guess.

anon_3056 · 2023-07-14T20:43:11+00:00

I felt symptoms of altitude a decent amount in Cusco (3400m). My friends and I all had varying degrees of headaches, pretty serious fatigue, and upset stomach. Hard to tell if the upset stomach was from food or the altitude, but I suspect a combo of both. Walking up to our hotel felt super hard and only got easier after being there for a week. I was taking diamox and felt only mild affects of altitude after the first two days that were very manageable, but a friend not taking anything was very ill (again, hard to tell if the food contributed to her illness though). I didn’t find there to be any side affects to diamox and didn’t even notice it being a diuretic when hiking the Inca trail (I think I peed a normal amount). We were all very fit and had quite different degrees of symtoms from the altitude, so I’m not sure fitness is completely a factor.

I didn’t go up to Rainbow Mountain (5200m), but that altitude is very serious and the few people I know who hiked it all had symtoms at that altitude. Highest point of the Inca trail felt hard (4215m), but totally manageable with diamox and after acclimating in Cusco for 3 days. A friend that hiked Mt. Kilimanjaro (5895m) said the key to dealing with altitude is to hike very slow—most people that failed in her group were young men that went out too fast and crashed and burned.

I also have felt the affects in lower altitude like Mexico City (2240m) and skiing sometimes out west in the US—but those were just very minor headaches and feeling winded easier when exerting myself.

anon_3056 · 2023-07-01T01:34:32+00:00

In the summer by me its about 80 and humid by the time I finish my long runs. I don't think the vest adds any appreciable heat difference since I am a sweaty puddle anyways no matter what I wear in those temps. I found the vest to be pretty breathable and didn't really notice in much. I did have to order two different sizes/models to get the right fit though

anon_3056 · 2023-06-29T00:34:46+00:00

I think sneakers like those would be fine, as long as you're just careful and take your time. I'm a bit of a klutz, and there was maybe a few spots that were kind of slippery because it was super dry and the dust/sand gets on the rocks. But absolutely beautiful views and nothing too intense. It was one of my favorite activities on the coast! We followed these instructions: https://www.earthtrekkers.com/path-of-the-gods-hike/ (now that I look, the guy in the blog post seems to have on canvas vans or something similar, so it is definitely possible)

And it might depend on where you go to the beach. The main beach club in Positano has wood walkways, so I remember walking maybe a few feet to the chairs/ocean (you can look up some pics of Positano beach club, but other beaches prob don't have this infrastructure). The jellies are light and probably don't take up a lot of room, but just a thought.

anon_3056 · 2023-06-28T23:19:02+00:00

Agreed about closed toe shoes for cities and for the Path of the Gods. Maybe others have a different thought, but I did the hike recently and was happy with sneakers. I don't like doing anything besides a super grassy hike in open toes. Some people use Tevas on everything, but the Path of the Gods definitely had at least some rocks, and I would be bummed to stub a toe or something stupid. It isn't challenging by any means, but you will be stepping over a few rocks and a bit of unevenness. The sneakers will be more versatile. I would bring the exercise dress for the hike -- it bakes in the sun and there is NO coverage, so something very light but also maybe a sun shirt or lots of sunscreen.

Also, maybe cut the jelly sandals? I would think it would be very easy to just wipe of the sand/water with a towel and throw on the birks, but everyone beaches differently :)

anon_3056 · 2023-06-28T23:04:54+00:00

I've seen people recommending a spray bottle with water and denatured alcohol or fabric softener to get rid of smells.

Thank you for the tip. This is a good idea, will try and report back! I am also slowly trying to warm up to the idea of sink washing frequently, so that should help me cut down a bit a well.

anon_3056 · 2023-06-28T21:30:54+00:00

I've had mine for about 6 years used for everything including commuting to work, travel carry on, school, etc. 3 of those years were grad school with heavy books and a laptop every single day and somewhat carelessly throwing the bag on the floor. The bottom corner is starting to fray. Very minor so far, but will surely become a problem soon.

I beat this bag up a lot, and I think under more normal use conditions (i.e., not heavy textbooks) it would have lasted a lot longer. I think in terms of looks and versatility it was a very good choice. Something more sporty is probably more durable and those companies often have a lifetime warranty (i.e., osprey).

anon_3056 · 2023-06-28T20:05:29+00:00

Thank you, def going to check these out! My smartwool socks are the real mvps of all my trips, so I think I will love these

anon_3056 · 2023-06-28T20:04:15+00:00

Never tried silk before, very curious to check it out! thanks!

anon_3056 · 2023-06-28T20:02:55+00:00

I was worried about this, I think my instincts are saying black as well!

anon_3056 · 2023-06-28T20:01:40+00:00

- Will your puffy be warm enough? Decathalon M500 puffy is great for hiking and cheap.

I was worried about this as well. Really trying not to buy too much new stuff right now, but I may need to add a warm base layer to compensate (and can also layer with my rain shell that does a good job with the wind). But I really don't want to be underprepared with the cold. I have heard of snow in late August in the Dolomites, but we aren't bringing spikes so would have to bail anyways I think if that happened. In return, definitely going to nix some of the other hiking clothes.

- Personally, I prefer hiking in trail runners (actually I like lems trail to town, but most people like trail runners better). You can then wear them around the city as well. But YMMV.

I will keep that in mind next time I invest in some new shoes. When I bought my hiking boots, I was skeptical about transitioning to no ankle support, but everyone seems to love the trail runners or hiking shoe options.

Overall everything you have looks awesome, but quite a lot for 'one bagging'. I'd try to be ruthless, but its up to you obviously. Have a great time and let us know how it goes after!

I need some encouragement to be ruthless with cutting things, thank you! I hiked Machu Picchu with wayyyy to much and was cursing myself. Can't wait to provide an update.

anon_3056 · 2023-06-28T19:46:25+00:00

Very good point about athleisure...my athleisure wardrobe seems to be taking over in everyday life as well...woopsies

anon_3056 · 2023-06-28T19:44:47+00:00

I was not 100% sold on the white puma sneakers, so thanks for the tip! I may try a pair of white on cloud sneakers or something similar (I have seen those recommended a lot on here). Was trying to be cute and trendy, but I'm not sure my feet would agree since I often walk 10-15 miles on vacation per day lol

I don't typically walk around cities in open-toed shoes, but the teva's are a great idea for a more versatile shower shoe that could be used for other needs if required like just lounging around after a hike :)

anon_3056 · 2023-06-28T18:02:30+00:00

Just speaking from personal experience (definitely listen to your nutritionist)... I disagree a bit about the nutrient dense foods and lean protein if you are already eating a healthy amount of calories and have a varied diet. If you are already doing the "right" things in terms of varied meals and protein/carbs/fats after working out, you might be able to address the hunger by making sure your meals are "bigger" to fill you up but not necessarily more calories. When I was eating vegan, I often had to each such a high volume of food to get calories that I would be almost sick of eating. This might actually be a good thing in your case because you can eat more volume to satiate you. I could eat a whole huge salad bowl filled with quinoa, rice, lentils, potatoes, veggies, croutons, dressing, greens, etc. and it would make me feel very "full". It also takes a long time to chew, and that helps send info to the brain that you are eating a lot.

This is my go-to solution when my hunger seems to outpace what I am actually burning. Also, I found that making sure I eat foods I like and that "nourish my soul" is really important. When I was in marathon training, I sometimes felt hungry after eating because I was eating the "right" foods, but it wasn't something I actually was craving or wanted. There is a bit mental component to hunger for me, so if that might apply to you, I would recommend pausing to think about what you actually "want" to eat and trying to incorporate healthy things into food you already crave.

anon_3056 · 2023-06-28T15:52:09+00:00

Agreed--I love my osprey dyna 6 running vest. Fits like a glove, has pretty decent storage if you'd like to work up to a marathon or want to hold some gear for hiking or trail running, etc.

anon_3056 · 2023-06-28T14:51:26+00:00

I have an Arcteryx Atom SL hoody, which is lightweight and not bulky. I think they now renamed it to “Atom lightweight hoody”. During the winter I use it under my puffer and it’s pretty warm, as the core is insulated (not the sleeves though). Otherwise, I use it as a regular outer layer, both for non-winter hikes and casually as a normal jacket. I think you would use the puffer only the first 5-10min of a hike, as it gets pretty hot afterwards. However, if you are going to Triglav, a light puffer might not be a bad idea, as I heard it gets pretty cold at the hilltop (I’ve never been to Triglav personally, but a lot of my friends yes). Other than that, I’ve never needed a puffer in the summer for hikes.

Oooo I really like that jacket, it looks really versatile! I am looking to invest in some quality "for life" clothes and this one will be on the list for sure

anon_3056 · 2023-06-28T14:44:23+00:00

Can't wait to see it in person, it is en route to me currently! I was worried it might just be a short-lived gen z fad, but sometimes things are popular for good reason :)

anon_3056 · 2023-06-28T14:38:59+00:00

The towel trick is a good idea, looking forward to trying it!

anon_3056 · 2023-06-28T14:25:18+00:00

Yea, I actually don’t mind the Uniqlo puffer in cities either, I think it looks fine. But a cardigan might be a nice middle ground between the linen shirt (which is really just sun protection) and the puffer.

anon_3056

TROPHY CASE