Search found 628 matches

by THY4373
Thu Apr 19, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Getting back to the Credit Card changes -- it looks like Mariott/AMEX is adding a free night award to the current SPG card ? I can't see any change announced for the Mariott Premier Rewards Business Card. My renewal is coming up. I don't really expect to make use of 2 free night awards, so I'm thin...
by THY4373
Wed Apr 18, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Yeah I feel sorry for Amex. They will probably do ok with me because I'll move about half of my SPG spend over to EDP (kicking myself for cancelling that late last year now after holding it for years) for 1.5 MR (with 30 transactions/month). I'll move the rest over to the Chase Freedom Unlimited whi...
by THY4373
Wed Apr 18, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

6x points on in-hotel and 3x on restaurants/air I have to admit I am not too impressed with the 3x bonus category especially for a premium card. There are lots of cards that give bonuses in those categories. Amex Plat (which I hold) gives me 5x Amex MR on airline purchases which to me is much bette...
by THY4373
Tue Apr 17, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Interesting then the value of the premium card to me would really come down to what value is extracted from the 50k free night. I am not sure I want to hold a $450 card to collect say a $250 free night + $300 refund. But if one is staying at SPG anyway I can see the appeal. For me without status (fr...
by THY4373
Tue Apr 17, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

One way we have reduced travel stress is to rigorously avoid tight connections. I agree and attempt to do this every time but it doesn't always work out. We purchase tickets months in advance online and by the time the day of our departure has rolled around, our well thought out schedule has been a...
by THY4373
Tue Apr 17, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

I have the spg AMEX and it's been a good all-purpose card for nearly 2 years. However, my annual fee ($95) is due to hit on Friday and AMEX does not seem interested in offering any loyalty or retention bonuses at this time. Given the changes that have been announced and the relative devaluation of ...
by THY4373
Tue Apr 17, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

sperry8 wrote:
Tue Apr 17, 2018 10:51 am

(2 nights paid to get the $300 credit)
It is not clear to me that the credit can be used for your lodging costs. If it is I agree this card may have value but if it is for incidentals (meals, spa treatments, whatever) then it has a lot less value to me at least.
by THY4373
Tue Apr 17, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

I am actually going to take back what I said about the 35k night not being worth while. Looking at the 2019 award charts 35k is more in the upper middle of the award chart vs the Cat 5 today. There may in fact be more value in those certificates than I first thought. It will depend on how the award ...
by THY4373
Tue Apr 17, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

I think (althoughI haven't looked at it much) some of these hotel card awards (MR and the IHG free night award, even capped now) could be really useful for European or Asian travel. Hotels in major European cities such as London can be extraordinarily expensive, so even a non top tier hotel can be ...
by THY4373
Tue Apr 17, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Marriott has a long history of devaluations by category creep but as far as I know there has been zero hints at where properties will land in the new categories. The Cat 5 certs you get with current Chase Visa are increasingly hard to use because of this category creep which is why I question the va...
by THY4373
Mon Apr 16, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Yeah that is a big loss for me as well (Gold via Amex plat + 30k spend on SPG cards) but honestly it was almost guaranteed they were going to kill it so not surprised. Actually, according to https://members.marriott.com/marriottrewards/ in the section "HERE’S HOW MEMBER TIERS WILL CHANGE IN AUGUST"...
by THY4373
Mon Apr 16, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

What did change, however, is the earnings rate for the SPG Amex card. The unbonused spend now (August) earns 2 Marriott points instead of one Star Point. Since 1 Star Point equals 3 Marriott points, that is a loss of 1/3 of value when transferred to airlines. I think Amex is the big loser in this. ...
by THY4373
Mon Apr 16, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Investment Strategy
Replies: 32
Views: 2602

Re: Post-Divorce Investment Strategy

I am two years being separated and nine months being divorced and I am loving it. Life is awesome and I am pursuing my dream to see the world. I only say this to say there is life after divorce. My advice to you is to rent for a while until things become clearer. I rent a modest house and I am lovin...
by THY4373
Mon Apr 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Freefun wrote:
Mon Apr 16, 2018 4:24 pm
Wouldn't be surprised if they change rates of Marriott points and flights packages. Just booked some and value is quite good.
One of the blogs states there will be "repricing" of some in the near future but offered no details.
by THY4373
Mon Apr 16, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

The big loss for me personally is that Marriott Gold no longer gets executive lounge access. I am currently Marriott Gold via the Marriott/UA RewardsPlus tie-up as well as via the Amex Plat card. Yeah that is a big loss for me as well (Gold via Amex plat + 30k spend on SPG cards) but honestly it wa...
by THY4373
Mon Apr 16, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

The biggest negative changes I can see from my perspective. 1). As I am not surprised they are pretty much gutting Marriott Gold so no more free breakfast/lounge access. Even the "super premium" card from Amex only gives you gold. Though $75k in spend on card can net you platinum. 2). It looks like ...
by THY4373
Mon Apr 16, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

https://onemileatatime.boardingarea.com ... m-details/

Honestly not that bad. Note some travel packages may be changing in price in the near future.
by THY4373
Mon Apr 16, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

Having just a carry-on can also prevent missed connections. A couple of years back, we ran from one end of Santiago airport to the other after clearing immigration and made our connecting flight with less than 10 minutes to spare. Next flight left 2 days later. Waiting for a checked bag would have ...
by THY4373
Mon Apr 16, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: New State Department FCU 2% cash back credit card
Replies: 5
Views: 338

Re: New State Department FCU 2% cash back credit card

It looks like SDFCU cards can be configured for PIN priority. That is actually quite useful if you travel a lot. Not sure it is worth the hard pull for me at this time but I may consider it. 14. Can I choose to have signature or PIN as my default when using the SDFCU cards? For New Credit Cards: The...
by THY4373
Mon Apr 16, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

So you save 10 minutes at the airport by not having to wait for a checked bag but then have to go shopping for basic necessities? Similar to the "Don't want to spend time doing laundry" thing I mentioned above - seems like a trade-off (and one that might favor a checked bag to many people). I don't...
by THY4373
Mon Apr 16, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

The last thing I want to do at the end of a long day with a great meal is go back to my room and wash clothes in a sink. I usually have 3-4 days of clothing changes. I guess it varies on one's pain but I don't find doing laundry every 2-3 days to be particularly burdensome. Especially because most ...
by THY4373
Mon Apr 16, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 1814

Re: Recommend airline luggage fitting in overhead bin?

Leave it to the boglehead forums to take a simple question and complicate it to the nth degree. Actually this is the airlines making it complicated. Basically there are at least three things OP would need to consider: US airlines have a pretty generous carry on size. This generally doesn't have a w...
by THY4373
Sun Apr 15, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

Navigation while walking has been possible with google maps and GPS for years. If you want directions while walking then you'll either need data, use the driving directions which may or may not be the best option, or a different app. Most folks are going to assume navigation on a cell phone app is ...
by THY4373
Sun Apr 15, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Nothing wrong with accumulating points via any method. But if you are hoarding them and save them for years later... that is simply unwise. I see it every year when devaluations hit... people complain and gripe about how they just "lost" so much. You don't have to lose anything... earn em via any m...
by THY4373
Sun Apr 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

-GPS works just fine without cell service. -Download Google maps ahead of time for cell-less navigation Unless something has changed very recently Google Maps *walking* navigation requires data service, downloading the maps in advance does not resolve this issue. There are other apps that provide w...
by THY4373
Sun Apr 15, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

I use airline miles for international business class travel, so they are a great value for me. The problem is the lack of flexibility after moving to an airline. For instance, I like to book the top Middle Eastern airlines via AA, Alaska etc. But I think the probability of AA or Alaska falling out ...
by THY4373
Sat Apr 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

After I take my seat on the aircraft, I amuse myself by watching all those folks with the oversized backpacks trying to squeeze them into the overhead luggage compartments. Now I know that some of them are Bogleheads. To be clear my one bag is small enough to fit under the seat in front of me and i...
by THY4373
Sat Apr 14, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 119
Views: 6082

Re: BH travel tips?

A few tips I have: 1). Travel light, hand baggage only. This has completely transformed my travel experience more than anything else. It is really hard to stress how freeing this is. It makes me very mobile. It has even taught me to downsize all the stuff I have at home (still working on that). Stuf...
by THY4373
Fri Apr 13, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

I honestly don't buy the rumors that transfers will be killed on 4/16 though I don't blame folks for transferring in advance if it makes sense just in case. I have personally been clearing out my SPG points several times a year when I hit 90k (for Marriott travel package) usually when there is some ...
by THY4373
Fri Apr 13, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 89
Views: 4000

Re: Termination of transfers from SPG and Marriott to airlines?

Thanks for the quick response - last time I ran the math on transfers it kind of seemed like a wash (and also my situation is different - I tend to use up all my hotel points before using up all my airline points). The math on this is going to be highly dependent on where you stay, whether you do c...
by THY4373
Mon Apr 09, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: USAA Check Clearing Time
Replies: 7
Views: 493

Re: USAA Check Clearing Time

How long have you had an account with them? All my checks clear or are least available instantly with USAA. It is not uncommon at any bank for new accounts for checks to take longer to clear.
by THY4373
Fri Apr 06, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4043

Re: Is it very hard to learn Spanish?

Depends on the person. I am dyslexic and while I love reading and I am a good writer, I have a really poor understanding of the technicalities of English grammar. Because I read a ton as a kid and continue to do so now I have a instinctual sense of what is correct in when writing English but you try...
by THY4373
Wed Apr 04, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses Schwab and what are the up and downsides?
Replies: 41
Views: 2700

Re: Who uses Schwab and what are the up and downsides?

I have used Schwab for a couple of decades. I have found their customer excellent. They were able to handle a foreign stock not traded here (UK stock) I inherited. During my recent divorce they were very helpful and extremely fast in processing asset transfers between my ex and I (we are both with S...
by THY4373
Sat Mar 31, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Phone
Replies: 4
Views: 646

Re: Google Pixel 2 Phone

Easy transition and now I am using Project Fi as well. Love Project Fi! It is tailor made for me. I travel internationally several times a year usually to multiple countries and Fi generally works flawlessly. Domestically I have access to WiFi where I spend most of my days so I use very little data...
by THY4373
Sat Mar 31, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5734

Re: New car from dealer may have close to 150 miles - ok?

Back in 2011 when I was looking to buy the one and only new car I have ever purchased (it was for my wife at the time). I was looking 2010 Ford Fusion Hybrid (the previous year's models had a decent rebate where the 2011 ones did not). Anyway I drove 100 miles to look at one example and when I get t...
by THY4373
Wed Mar 28, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 21
Views: 1489

Re: Mac Office 2016 download on Ebay - how so cheap?

You might want to check if your employer has a deal with Microsoft that allows employees to buy Office as a discount. At my employer an MS Office Install (Mac or Windows) good for three installs I believe is $19.95 or $39.95 if you want the DVD. That is the only reason I still run Office at home.
by THY4373
Wed Mar 28, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Getting Furniture into a Basement
Replies: 39
Views: 2650

Re: Getting Furniture into a Basement

Wow 28" is tight. My previous house was 30" for most doors and that caused a bunch of issues. Honestly buying assemble itself furniture like suggested in other thread is probably easiest/best if you can live with the design and quality (or lack thereof). Sectional furniture may or may not help here....
by THY4373
Tue Mar 27, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 1824

Re: Recurring brake rotor problem

This is actually a myth. Your brake fluid will boil off and/or pads will melt into a puddle long before the rotors would ever get hot enough to physically warp. I have boiled high-temp racing brake fluid on the track without warping rotors. Some reading by a leading brake manufacturer: While I tend...
by THY4373
Tue Mar 27, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 4931

Re: CBP (INS) Global Entry program worth it?

One thing though - the Pre Check system is generally implemented by US carriers only. If you want that benefit you may want to be sure you use a US carrier or one of the few non-US carriers that supports Pre Check. Actually foreign carrier coverage is pretty good these days... https://www.tsa.gov/p...
by THY4373
Mon Mar 26, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 4931

Re: CBP (INS) Global Entry program worth it?

This is sort of a status symbol. If your employer pays for it, go for it. We get TSA precheck almost all the time without it. I'm not sure why, but I suspect it's because of our birthdays being in the distant past. I've never experienced long waits getting into the US, but I have had long lines in ...
by THY4373
Mon Mar 26, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 4931

Re: CBP (INS) Global Entry program worth it?

I got it for myself, my ex (when she was already my ex) and my son. All reimbursed by one CC or another. This January on my flight back from Santiago Chile I was the first person to clear customs and immigration that morning in Atlanta thanks to Global Entry. I really miss TSA pre when I travel a fo...
by THY4373
Mon Mar 26, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Father's Pension - Advice
Replies: 13
Views: 1913

Re: Father's Pension - Advice

One thing that makes me a bit suspicious is that the company is saying on one hand that it knows your father is entitled to a pension but on the other hand that it doesn’t have the records to calculate the correct amount due. I don’t know how you could prove otherwise, but that seems odd. Agreed ve...
by THY4373
Mon Mar 26, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3475

Re: Computer Security

Time to switch to a Chromebook I second this. I third this. This good advice should be repeated. Since the OP had not told us anything about how he uses computer resources, how can this be good advice? Totally agree, nor has OP told us what threats they are trying to secure against. No point talkin...
by THY4373
Sun Mar 25, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 1482

Re: Recently Engaged, Considering Joint Account(s)

OP do whatever works/feels comfortable to you and your fiancee. I still maintain two joint checking accounts with my ex-wife that are used to fund our son's expenses (we have 50/50 custody). It works perfectly for us but would probably be a disaster for some divorced couples.
by THY4373
Sat Mar 24, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Low cost repair of CD players in older Camrys?
Replies: 27
Views: 1555

Re: Low cost repair of CD players in older Camrys?

A couple of other cheapo options. 1). If you have a cassette player and it still works you can get a cassette adapter that would allow you to plug in a MP3 player, cell phone or CD player and play through the cassette player. Yeah the sound quality will be less but still decent. 2). Get an FM modula...
by THY4373
Sat Mar 24, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Job passion/fulfillment?
Replies: 18
Views: 1758

Re: Job passion/fulfillment?

OP you position pretty much sounds like mine. I am in my late 40s and you pretty much summed up my exact position. I have a job that I still enjoy but the passion I once had isn't really there anymore. At this point changing things up would only delay my retirement when hopefully I can then be free ...
by THY4373
Sat Mar 24, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 2599

Re: What car should I get

I dont trust cvt bc nissan has issues with it. Just because Nissan has had issues doesn't mean all CVTs are problematic. You will limit your vehicle choices if you refuse all cars with CVTs. It's just one data point but I have the Accord CVT with 5 years and 80k miles on it. No problems at all. If ...
by THY4373
Fri Mar 23, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1172

Re: "free" ticket w/ miles or pay $?

I have made many "free" flights on Delta. Whatever the devaluations of their program there has still been benefit. And, yes, it was better (or worse) when it was Northwest WordPerks. You have to bring a lot of cynicism to this hobby and just take what you can get by working at it. To confuse this w...
by THY4373
Fri Mar 23, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1172

Re: "free" ticket w/ miles or pay $?

My spouse and I have an international trip planned way in advanced (more than a year). First off, the average price for this flight is about $1200 per person, so total of about $2400. We can afford this trip however way we look at it, that isn't the question here. Second, we'll most likely fly Delt...
by THY4373
Fri Mar 23, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: "free" ticket w/ miles or pay $?
Replies: 24
Views: 1172

Re: "free" ticket w/ miles or pay $?

FF miles work only if (1) you are very lucky or (2) have a fair amount of flexibility. Even calling in at -364 days is not guaranteed to work. Of course calling it at t-364 isn't always going to work. Some airlines don't release seats until t-330 or t-355 or even less and even then I find it is rar...