Search found 288 matches

by BeneIRA
Tue Aug 22, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 11
Views: 784

Re: Transferring Work Locations - Cost of Living Decrease?

My employer is not a megacorp but we do have offices all over the world and US. We will not reduce salaries when an employee moves to a LCOL area. However, it may affect the size of future increases. This is especially true if you are above the market salary for your position and location. This was...
by BeneIRA
Tue Aug 22, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 11
Views: 784

Re: Transferring Work Locations - Cost of Living Decrease?

This sort of happened to my spouse when we moved from NYC to DC. She was receiving a promotion at the same time and her pay effectively stayed the same due to the increase from the promotion offsetting the decrease as a result of the move. Absent the promotion they would have cut her pay. Thank you...
by BeneIRA
Mon Aug 21, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 7
Views: 507

Re: Help With Travel to Prague - Vienna - Budapest

We are planning to go to Prague, Vienna & Budapest next May. Probably, fly into Budapest, then take trains to Vienna and Prague, flying back out of Prague. I was thinking of 3 nights in each. Do you think that is sufficient time? Any other tips, suggestions are welcome. Thanks!! Hi Hirlaw, I actual...
by BeneIRA
Mon Aug 21, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 11
Views: 784

Re: Transferring Work Locations - Cost of Living Decrease?

When I worked for Megacorp, Megacorp paid a 'hardship premium' to employees based in Alaska and Hawaii. That was due to the very high cost of living. If the employee left the HCOL area, he also left the hardship premium. I am not aware of any other US areas that were classified as hardship areas. I...
by BeneIRA
Mon Aug 21, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 11
Views: 784

Transferring Work Locations - Cost of Living Decrease?

Hi All, I currently work for a mega corp in a relatively high cost of living area. I am considering moving to a lower, 20 percent less, area quite a ways away. It would be a cross country move. This would be me moving and not mandated by my employer. My employer has offices all over the U.S., so I w...
by BeneIRA
Fri Aug 11, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3269

Re: Can a salaried employee be docked pay...

Yes, but it is very employer specific. Some employers will allow you to have negative PTO where you can use PTO you don't have as long as you will accrue it by the end of the year, but I am trying to wrack my brain to think of one who has allowed an employee to use PTO before they are even eligible ...
by BeneIRA
Fri Aug 11, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2749

Re: Bough gift cards from cash card.com and somebody else used them all

This is unfortunately extremely common with CardCash. You might be out of luck or CardCash might take pity on you. It is known that sellers, if they are at all reputable, will wait the 45 days, then drain the gift cards if the buyer hasn't used them. The less legitimate of those sellers will immedia...
by BeneIRA
Fri Aug 11, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5666

Re: Struggling with Justifying an Expensive Car Purchase

OP, this might be an unpopular opinion, but why not lease either the cheaper or more expensive car? Judging based on your responses, I don't believe that you will be satisfied with even the more expensive car once the new one comes out in a few years. I think you're going to be looking over the fenc...
by BeneIRA
Mon Aug 07, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: CC strategy for Europe flight next summer
Replies: 19
Views: 1414

Re: CC strategy for Europe flight next summer

If you aren't flexible, then AA miles won't help you. If this were over a year ago, I would tell you to apply for the increase AAdvantage Citi card for 60,000 miles, have your spouse do the same, then add in a Barclaycard Aviator Red card. That would be 176,000 miles after meeting the minimum spends...
by BeneIRA
Thu Aug 03, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 2652

Re: Buy EZ Pass transponder for road trip?

DW & I are planning a road trip for the fall through several states--primarily in the NE US. We will be taking one of our vehicles but not sure yet which one. Some preliminary trip-planning indicates that we probably will be traveling toll roads in several states. We have little experience driving ...
by BeneIRA
Tue Aug 01, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Any tips for negotiating with extended stay hotels?
Replies: 5
Views: 854

Re: Any tips for negotiating with extended stay hotels?

I have a couple of six week trips coming up and understand that it' best to negotiate locally. Any recommendations for which chain has the best value for an extended stay hotel? (clean, breakfast, gym, etc.)? thanks I did this one time for a month long stay. I used Hotels.com because they have an o...
by BeneIRA
Mon Jul 31, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1416

Re: Florence Hotels.......

I would recommend GoWithOh. Google them. They are a more classy version of Airbnb. They actually have some control over the properties listed. My wife and I got a nice apartment from them for a few nights right in the city center. We loved it and got the place to ourselves whereas in a hotel, we wou...
by BeneIRA
Mon Jul 31, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

Mainly for those of you who use Chase more for ongoing spend, how do you value UR points? I understand the answer to that will differ from person to person but I'm trying to reconcile the value of UR points versus the BofA pair of Cash Rewards and Travel Rewards with Preferred Rewards. Most (all?) ...
by BeneIRA
Fri Jul 28, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5555

Re: TSA Pre-check for free

BTW, if you leave the US on a non US airline, I haven't found any that use Pre Check. So you have to stand in the long line . Not true. A lot of foreign carriers are starting to partner with PreCheck. https://www.tsa.gov/precheck/participating-airlines Emirates, Ethiad, Lufthansa, and Turkish Airli...
by BeneIRA
Fri Jul 28, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 29
Views: 2232

Re: Need advice - Job

I would just ask for a raise and not mention the offer, as others have noted. If it is a hard no and the money is worth it to you, you could leave and possibly come back down the line.
by BeneIRA
Fri Jul 28, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5555

Re: TSA Pre-check for free

I had never gotten free PreCheck before actually getting it via Global Entry. I am sure there is some algorithm of some sort that gives people free PreCheck, but if your friend gets it every time, I guess there's no reason to apply. I don't think you wasted money. Especially Global Entry. Before I h...
by BeneIRA
Tue Jul 25, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 41
Views: 3708

Re: Anyone use Verizon wireless prepaid for cell phones???

I use Verizon prepaid. I pay $45, $48 with tax per month for 2GB (3GB with autopay bonus) LTE data. Verizon works great in rural areas when camping and is almost as fast as ATT in the California urban area where I live. For 1 or 2 people, I couldn't find a post-paid package that was competitive in ...
by BeneIRA
Thu Jul 20, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA For 1 Month (?)
Replies: 11
Views: 608

Re: COBRA For 1 Month (?)

Ok. I'm kind of afraid - what if I'm in an accident and can't get the paperwork in? (Though they do have a way for you to enroll online) Would the "enroll now but default on the payment" method work? Or would they go after me with the credit bureaus? (I also worry with that option - what ...
by BeneIRA
Thu Jul 20, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 4070

Re: Flying first class/ business......

My wife and I flew economy on our last trip to Europe. Because of connection issues in Rome, American Airlines booked us on another flight. We have decided on our next trip abroad to upgrade our seating to first or business class. The concern with this decision is what happens if we again need to b...
by BeneIRA
Thu Jul 20, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra Benefits question
Replies: 6
Views: 518

Re: Cobra Benefits question

Hi ~ My boyfriend wants to leave his current job at the end of September and go on Cobra for the maximum 18 months. He is 52 and in good health. He has a job lined up with his family that starts in March 2019 and will provide medical insurance to employees. He has over $1.5 million saved and doesn'...
by BeneIRA
Sat Jul 15, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2117

Re: Time to dump State Farm agent?

I have my home and auto insured with my State Farm agent and have done so for over ten years. She is a nice woman and I realize a restricted agent with an Allstate/State Farm/nationwide type agent can only sell their policies. Why then do I feel weird about leaving her to go to an insurer that is c...
by BeneIRA
Sat Jul 15, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Ally debit card for ATM withdrawals outside the United States
Replies: 23
Views: 1187

Re: Ally debit card for ATM withdrawals outside the United States

Long time Ally customer, with interest checking account among online savings and no penalty CD's. DW and I will be traveling to Canada (Quebec City) next month. From what I understand, if I use my Ally debt card for ATM withdrawals in a foreign country, the FTF will not exceed 1% (as long as I use ...
by BeneIRA
Fri Jul 14, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 1872

Re: Recommendations...Italy

We are going to try to book a trip to Italy for a family vacation next summer and are in the preliminary planning stages. We are looking at tour vs. going on our own, but are leaning towards a tour at this point. We don't need 5 star hotels, because we will be out and about all day trying to see as...
by BeneIRA
Wed Jul 12, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 4806

Re: My first poor Ally Bank experience

It's been out there for a while that Ally doesn't like to be a cog in the chain with a lot of transfers to different banks. I remember a couple of years ago they shut several people down for that. Just something to be aware of.
by BeneIRA
Tue Jul 11, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

I guess it couldn't hurt but I can't see them matching an offer that expired June 30th. Anyone ever have success getting matched to an expired offer? Kind of. I would still ask and the 50,000 are sometimes targeted. I would SM them now and ask. If they balk at 60,000, try another SM to 50,000. Say ...
by BeneIRA
Tue Jul 11, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1776

Re: Credit card vrs checking account for utility bills

I have been having the utility company's, (gas, water, electric, cable) auto withdrawal from my checking account for the monthly bills. Been doing it for 17+ years without issue. Just wondering if it would be prudent to change that and have them charge my credit card instead. Seems like it would of...
by BeneIRA
Tue Jul 11, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

Really disappointed I missed out on another $200+ and the CP from just the signup bonus though. Can't hurt to send a secure message to Chase asking to be matched to the 60K offer. I guess it couldn't hurt but I can't see them matching an offer that expired June 30th. Anyone ever have success gettin...
by BeneIRA
Tue Jul 11, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6660

Re: How much of an increase of salary would you expect before switching jobs?

There are a few lessons learned. First of all, I need to request a phone screening first. This is a conservative company and the initial interview and follow up interview were both in person. There was a lot of wasted time between going to the interviews, driving to the interviews, scheduling, comp...
by BeneIRA
Tue Jul 11, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

Really disappointed I missed out on another $200+ and the CP from just the signup bonus though. Can't hurt to send a secure message to Chase asking to be matched to the 60K offer. I guess it couldn't hurt but I can't see them matching an offer that expired June 30th. Anyone ever have success gettin...
by BeneIRA
Tue Jul 11, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Costco gift card over balance Cash Only
Replies: 1
Views: 265

Re: Costco gift card over balance Cash Only

News to me, happened today at local Costco warehouse. Used 3 separate Costco Gift Cards to pay for shopping (50,100,200) and still have a 14.00 credit remaining on one gift card. Employee at register says "You can no longer settle your balance using a credit card, should you go over the gift c...
by BeneIRA
Mon Jul 10, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6660

Re: How much of an increase of salary would you expect before switching jobs?

This thread has definitely evolved in the past couple of days. It's a good read. I am going to expand on a thread that was put out there earlier, but is your current company giving new hires a higher salary than you? Will your current company just not give you a raise because you've been there for s...
by BeneIRA
Mon Jul 10, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

I'm currently at 2/24 and will drop to 1/24 in Feb or Mar 2018. However, I'm on my way to Platinum Honors with BofA and had planned on getting the Travel Rewards Card within the next month. I've been reading a lot lately about all the sign up bonuses one can get and obviously chasing sign up bonuse...
by BeneIRA
Sat Jul 08, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Credit Cards - Advice on Oldest
Replies: 7
Views: 781

Re: Closing Credit Cards - Advice on Oldest

Currently have a 13 year old VISA and 11 year old AMEX that I rarely use. I keep them active because they are my longest cards but don't pay the best rewards since the programs are so old. Since, I've opened a better AMEX with double the points that's my go to when I'm not churning a card for the b...
by BeneIRA
Sat Jul 08, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6660

Re: How much of an increase of salary would you expect before switching jobs?

I've heard the rule of thumb is, don't switch unless you get more than a 10% increase. But it depends, everyone's life situation is different. Also how much does one hate their current job (if they hate their current job it might be worth switching even for no pay increase). Some people with even s...
by BeneIRA
Fri Jun 23, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1169

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

I don't like the idea because 401k loans represent a double tax. You withdraw the money tax-free, but you repay the loan and interest with after tax dollars, then when you withdraw it later, that after tax money is getting taxed again because it is in a pre-tax vehicle. Also, most plans charge some ...
by BeneIRA
Fri Jun 23, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by BeneIRA
Fri Jun 23, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by BeneIRA
Thu Jun 22, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

<snip> 3. *I think* CSR provides a better travel insurance than CSP. Victoria *I think* the travel insurance for CSR and CSP is identical. All I know is when I inquired months ago that is what Chase told me (or maybe it was the insurance rep Chase referred me to). I no longer recall the specifics o...
by BeneIRA
Wed Jun 21, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points? You must be referring to Membership Rewards that you get with the Premier Rewards Gold. They are worth 1 penny per point if used for travel. Their real value is in their transferability to top off your point balance to their partners. Flying ...
by BeneIRA
Wed Jun 21, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

What are Amex premium rewards worth if I get 50k points? You must be referring to Membership Rewards that you get with the Premier Rewards Gold. They are worth 1 penny per point if used for travel. Their real value is in their transferability to top off your point balance to their partners. Flying ...
by BeneIRA
Mon Jun 19, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

Barefootgirl wrote:
Merrill Plus Visa Signature card.


Is there a business version of this card, anyone know? I will try to find out.


Pretty sure there isn't. I believe it is personal only.
by BeneIRA
Sun Jun 18, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

This is an odd bird, the Merrill Plus Visa Signature card. The highlight is a $500 statement credit after a $3,000+ spend in 90 days. Interesting. That may be a good one, assuming an odd bird in the hand is worth two in the bush. $500 statement credit is much better than $500 credit towards future ...
by BeneIRA
Fri Jun 16, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

The Lufthansa's Miles and More Mastercard offers 35,000 bonus miles and an annual companion ticket for an $89 annual fee. m Does anyone have experience with this card and the companion ticket in particular? Seems like a great deal if one has family European vacation plans. One card for me. One for ...
by BeneIRA
Fri Jun 16, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1798

Re: Rewards Credit Cards for Large Purchases

All, if the OP's spouse just applied for a Sapphire Preferred card and out the OP on as an authorized user for the 5,000 UR bonus, this counts as 1/24. I believe what the OP means is that they would like to be removed as an authorized user so it does not count against 5/24. This is possible if you ...
by BeneIRA
Fri Jun 16, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1798

Re: Rewards Credit Cards for Large Purchases

All, if the OP's spouse just applied for a Sapphire Preferred card and out the OP on as an authorized user for the 5,000 UR bonus, this counts as 1/24. I believe what the OP means is that they would like to be removed as an authorized user so it does not count against 5/24. This is possible if you ...
by BeneIRA
Fri Jun 16, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Rewards Credit Cards for Large Purchases
Replies: 19
Views: 1798

Re: Rewards Credit Cards for Large Purchases

All, if the OP's spouse just applied for a Sapphire Preferred card and out the OP on as an authorized user for the 5,000 UR bonus, this counts as 1/24. I believe what the OP means is that they would like to be removed as an authorized user so it does not count against 5/24. This is possible if you o...
by BeneIRA
Thu Jun 15, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Rewards for Large Non-Travel Purchases
Replies: 5
Views: 620

Re: Best Credit Card Rewards for Large Non-Travel Purchases

I would probably open up a few different cards for the sign-up bonuses. Chase Freedom and Chase Freedom Unlimited both have low sign-up bonuses, no annual fees, and you can get cash back. The Sapphire Preferred could be redeemed for $500 in cash if you spend $4,000 in the first three months with no ...
by BeneIRA
Mon Jun 12, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6867

Re: Cell phone service abroad

I checked BLU Advanced 5.0 on Amazon against Bylo's link for "Will My Phone Work?" m for the Czech Republic. This phone would work only with 2G networks. Is there another inexpensive phone that would work with European 3G networks? Victoria The Amazon Moto G4 will give you 3g and 4g cover...
by BeneIRA
Mon Jun 12, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6867

Re: Cell phone service abroad

If you are paranoid about bringing your own phone, you could do as I did and purchase a BLU phone for $60 using Amazon Prime and bring that. It is an unlocked phone that I used to put a new SIM card into for every country I visited. I checked BLU Advanced 5.0 on Amazon against Bylo's link for "...
by BeneIRA
Wed May 31, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 351180

Re: What's Your Credit Card Rewards Strategy?

If you don't have the United Mileage Explorer card for the 70,000 miles, I would definitely jump on that. The additional award availability helps, but domestically, it doesn't help a ton unfortunately because United has expanded Basic Economy fares. Other than that, the Marriott card is another one...