Search found 370 matches

by THY4373
Sat Feb 06, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 73
Views: 6276

Re: Anyone travel without hacking?

If you cancel the card, do u lose the points? Do u have to use the points before cancelling? Or can u transfer points to another card. I'm looking at doing a Europe 3 years from now and want to starthe accumulating points, but avoid annual fees, guess I don't want to start too early Points in trans...
by THY4373
Sat Feb 06, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 3329

Re: Purchasing Business Class Tickets

This deal might be of interest though you'd have to get from Atlanta to Newark and then from LHR/CDG to the Iberian peninsula but it would save you a lot of money ($1100 round trip business class fares to Europe). Honestly in a quick search I didn't find any that low but was seeing stuff for next su...
by THY4373
Sat Feb 06, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 73
Views: 6276

Re: Anyone travel without hacking?

I will say that I do a fair amount of travel hacking which as noted above is much more than MS though I do that as well. For the folks who are asking about MS (and awards travel in general). It is a very complex subject and you'd be well advised if interested to read up at FT, the blogs, Reddit, Sav...
by THY4373
Sat Feb 06, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 73
Views: 6276

Re: Anyone travel without hacking?

I churn credit cards but there's ways to travel hack without doing that. Travel hacking is just anything that's a "cheat" or a "secret" to make traveling cheaper. It doesn't have to be with credit cards. Knowing how to use Kayak, knowing how to fly using open-jaws, using Priceli...
by THY4373
Fri Feb 05, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 3329

Re: Purchasing Business Class Tickets

BTW one other possibility is that AA is selling points until Monday I think for a little over 2 cents a point. Assuming you can find availability on AA metal or another partner other than BA which has insane fees and taxes. You could get a roundtrip J (business class) ticket for somewhat over $2000 ...
by THY4373
Thu Feb 04, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Purchasing Business Class Tickets
Replies: 37
Views: 3329

Re: Purchasing Business Class Tickets

Finding cheap Business class tickets is doable but you need to start looking about a year out and watch for sales. I keep an eye on FlyerTalk and some travel blogs. Back in October 2015 British Airways had a transatlantic sale with several stackable specials going on. I got three business class tick...
by THY4373
Sat Dec 26, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How does this kind of credit card fraud happen?
Replies: 31
Views: 3259

Re: How does this kind of credit card fraud happen?

rustymutt wrote:Didn't the Russians hack Chase?


They did but that was sometime ago unless they maintained a foothold (entirely possible) on their network it doesn't explain why new cards are getting compromised.
by THY4373
Sat Dec 26, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: How does this kind of credit card fraud happen?
Replies: 31
Views: 3259

Re: How does this kind of credit card fraud happen?

I do think there is something up with Chase. My pet theory is somebody somewhere has some insight into the algorithm they use to generate their CC numbers and is able to brute force correct numbers in some way. My recent experience is I signed wife up for a BA card for the big bonus. Card was used l...
by THY4373
Sun Dec 20, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: How/where sell salvage type vehicle?
Replies: 13
Views: 854

Re: How/where sell salvage type vehicle?

I sold a 2000 Ford Taurus Wagon with like 185,000 miles and a bad engine for $250 this summer on Craigslist. The car would move (just not really derivable any distance because of dumping raw fuel into the cats from bad cylinder) but the buyer was able to load it up on a trailer easy enough because i...
by THY4373
Tue Nov 24, 2015 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

I am not aware of any gift cards that are REloadable. Reloadable cards are cards that can be loaded more than once. I have bought literally 1000s of gift cards and not one of them was reloadable in fact their terms often (always?) clearly stated it was load once only.
by THY4373
Tue Nov 24, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

Workinghard wrote:
if AAA codes as travel on any CC?


Most but not all AAA code as associations or some such which isn't useful for bonus spend. You just have to test to see what yours is.
by THY4373
Tue Nov 24, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

Thanks THY. It's so hard to weed through fact/fiction on FT, but I have heard of people being shut down by Metabank. I haven't bought many from them due to waiting on a new CC. I have the option of spacing out unloading at WM and grocery stores. Any idea on acceptable amts to get and if AAA codes a...
by THY4373
Tue Nov 24, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

Purchases and loads of reloadable prepaid cards Gift cards are NOT relaodable prepaid cards so that term wouldn't seem to apply to them FYI. They probably mean prepaid visa/mc gift cards. Be that as it may, that isn't what their terms say whatever their intent, I can only go with what they wrote. R...
by THY4373
Tue Nov 24, 2015 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

Agree. They count although most T&C exclude cash equivalents. Are you a member of AAA? If so, they're selling visa gift cards until the end of December without a fee. YMMV as far as how many they'll sell you. My store said no limit. Just an FYI if AAA doesn't enforce limits Metabank (the issuer...
by THY4373
Tue Nov 24, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

mediahound wrote:Purchases and loads of reloadable prepaid cards


Gift cards are NOT relaodable prepaid cards so that term wouldn't seem to apply to them FYI.
by THY4373
Mon Nov 23, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

Just an update (sorry for the late reply). We went with CSP. 55,000 introductory points was too mouth watering to pass. We are unsure if we will be able to spend the required $4k in 3 months... if we are short, we will buy AmEx gift cards while they are waiving the fees :-) I don't think cash equiv...
by THY4373
Sun Nov 08, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 59
Views: 5593

Re: Best Use of Ultimate Rewards Points

What I both love and hate about points is that I can spend them without thinking I'm spending money, but in reality if I had 100,000 points in an account to spend on travel, or $1000 in an account to spend on travel or withdraw as cash, I'd be more conservative with the $1000 even though I could co...
by THY4373
Sun Nov 08, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 59
Views: 5593

Re: Best Use of Ultimate Rewards Points

What's the best use of these? This won't help you now but you really should perform this sort of due diligence before applying for a card with such a rewards program as redemptions can have a significant impact on point/mile value. This is so true. Not specifically calling out OP but this is a mist...
by THY4373
Fri Nov 06, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 59
Views: 5593

Re: Best Use of Ultimate Rewards Points

Gemini wrote:So best bet is to transfer to United and then use points to buy tickets? Am I understanding it the right way?


I don't know that it is the best better but a decent bet but then you have to deal with awards availability.
by THY4373
Fri Nov 06, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 59
Views: 5593

Re: Best Use of Ultimate Rewards Points

Best use generally will be either Hyatt or for business/first class international long haul where you can get north of 3 cents of value (possible 2-3x that). I realize you got a signup bonus but if you aren't a big traveler why continue to carry the CSP? You'd be much better off with a 2% cashback c...
by THY4373
Thu Nov 05, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 9861

Re: Travel rewards credit card?

Alaska Airlines as well as Hawaiian Airlines yes, Delta no, but good point. My general point is BA utility depends on where you live and your travel patterns--I wouldn't label it as best deal without knowing more about the OP. BA miles are not good on Hawaiian for sure unless something has changed ...
by THY4373
Sat Aug 29, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Cost of archiving family history
Replies: 17
Views: 1259

Re: Cost of archiving family history

The best way to preserve your family history is to get the material into the appropriate local historical society (which would be the closest one to where they lived). You can give them a donation to provide for the archival materials. Scan it first and keep digital copies if you like. Based on my ...
by THY4373
Sun Aug 09, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 24
Views: 3594

Re: Credit Card Question

When you do the math, you can come out way ahead on the individual airline cards earning "just" one point per dollar. Even coach to the Caribbean is a lot more valuable than 2 cents per point. I can easily average 4 to 8 cents per mile with my AAdvantage card flying coach. If you go busin...
by THY4373
Fri Aug 07, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 24
Views: 3594

Re: Credit Card Question

OP have you really done the math to see that you would benefit more from travel points vs a straight 2% cashback card? Honestly outside of three scenarios I think it is very hard to beat a 2% cashback card. Those scenarios usually include one or more of the following: 1). Chasing sign up bonuses and...
by THY4373
Wed Aug 05, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

Also, I don't understand why people get so wound up about value comparisons for award travel. Why would you compare apples to oranges? So what if you wouldn't have actually paid $20k to fly first class to Australia? I think the best comparison would be the cheapest first class ticket available on y...
by THY4373
Wed Aug 05, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

There are values in getting bonus miles/free miles from the credit card games. But the values are sometimes over-stated. For example, I was looking at a round-trip Europe United ticket (60k miles + $150), and United also stated I could buy the ticket with about $4,000. However, checking expedia.com...
by THY4373
Tue Aug 04, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

Agreed on when you say how much you've gotten out of your miles/nights/points. For instance my wife and I stayed at a hotel that's usually $325 a night for 3 nights. So did those free nights save us $975? No, because if we didn't have those nights then we would have stayed at a place that cost arou...
by THY4373
Tue Aug 04, 2015 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

The credit card bonus trick is interesting. However, if I have to figure out ways to manufacture artificial spending, would it be easier to just work for a few more months before retiring? Seriously how can we answer that without knowing what you make in your day job net of taxes per hour and how m...
by THY4373
Tue Aug 04, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

AA is everyone's go to cards right now, because they have the chespest first/business redemptions on partners such as Cathay Pacific, Ethiad,Qatar, Iberia, air Berlin, etc. Off peak Europe is only 40k rt. AA is for sure currently awesome but pretty much everybody is expecting a devaluation after th...
by THY4373
Mon Aug 03, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

http://www.rollingstone.com/culture/features/ben-schlappig-airlines-fly-free-20150720 I guess everyone wants to be this guy. I sure don't. Who wants to spend all their time on planes? While I enjoy traveling first/business class at the end of the day it is still just a seat in a metal tube, the rea...
by THY4373
Wed Jul 29, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Need car for 6 months a year. Best ideas?
Replies: 16
Views: 1418

Re: Need car for 6 months a year. Best ideas?

You could look at assuming a lease with a number of months left on it. Never done this myself but here is one site I found at random via Google, I am sure there are others: http://www.swapalease.com/ . But I am with others I'd probably just keep the old car.
by THY4373
Sat Jun 06, 2015 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 9842

Re: Thoughts on Federal Employment

I've got over ten years working with the government and it's truly been hit or miss. It's a much different environment in the DC area where there is no shortage of federal employees and contractors. The lack of accountability is a big problem. It's nearly impossible to fire a federal employee so co...
by THY4373
Wed Jun 03, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: Windows Media Center discontinued
Replies: 18
Views: 1836

Re: Windows Media Center discontinued

VLC is an excellent media playaback and recording tool but it really isn't a substitute for Media Center (e.g., it doesn't really have the DVR functions that Media Center has). Because I have some software I need on my home theater PC that only works through Windows 7 my plan is just to ride out Win...
by THY4373
Tue Jun 02, 2015 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Your opinion on realistic income to live in a $1 million home?
Replies: 144
Views: 13733

Re: Your opinion on realistic income to live in a $1 million home?

I am reminded of what my father said to me a number of years ago, "I always dreamed I'd live in a million dollar home I just didn't think it would be this one". My parents live in a pretty high cost of living area and bought the house about for about $100k 40 years ago. They own it outrigh...
by THY4373
Sat May 30, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Selling an Antique Bicycle?
Replies: 6
Views: 724

Re: Suggestions for Selling an Antique Bicycle?

You might want to check out these forums on Bike Forums. There are lots of information on selling vintage and classic bikes and an area for appraisals but remember the folks posting are likely NOT disinterested parties. Good luck.... http://www.bikeforums.net/classic-vintage-bicycles-what-s-worth-ap...
by THY4373
Wed May 27, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 3432

Re: Window replacement -- Renewal by Andersen?

I can only speak to the local RBA company and then not to their windows per se. A couple of years back I need to replace an outside door and wanted to go with ProVia doors which are widely considered one of the best. I got two bids from the two local companies who did installs. One of these was the ...
by THY4373
Wed May 27, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking up with USAA--banking alternatives welcomed
Replies: 23
Views: 4029

Re: Breaking up with USAA--banking alternatives welcomed

One of the amenities that you have to give USAA kudos for is the fact you can mobile deposit a $2,400 check and it is available immediately. I have yet to find a bank that honors that. To me thats a big amenity. Not a bank technically but PenFed makes my funds available immediately just like USAA a...
by THY4373
Mon May 25, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2500

Re: $4500 reasonable for wills for blended family and some trusts?

If you are thinking of signing up for an employer plan for wills I suggest you read what it covers very carefully. My employer's plan appeared to include wills until you read the fine details (which were somewhat hidden on the providers web page). Basically for wills you were on the hook for doing y...
by THY4373
Fri May 08, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 708619

Re: TradingPlaces' advice on travel awards

The velocity limit on the kiosks at Walmart is more like 10 minutes (from last load) in my experience. Also pro-tip. Make your first load 499.99 (not your last). I'd forget and lock up the kiosk when I forgot to make my last load $499.99. Much easier for me at least to remember doing the first load ...
by THY4373
Fri May 08, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 708619

Re: TradingPlaces' advice on travel awards

Walmart will not accept OneVanilla Visa Gift Cards so you have to buy "regular" Visa Gift Cards. Point of clarification no "Vanilla"/Bancorp (same entity) cards will work at WM except transactions below $49.xx something. One Vanilla is just a subset of the Vanilla gift cards ava...
by THY4373
Fri May 08, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 708619

Re: TradingPlaces' advice on travel awards

protagonist wrote:
ps....Do you know if you can also load the Serve up to $1000/month with the Amex card in person at Walmart?


You cannot load Serve with CC at Walmart.
by THY4373
Mon Apr 06, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 124
Views: 15805

Re: Manufactured Spending - Good Idea / Bad Idea?

Update: Citi called me before I could call them - talk about timing! While it is YMMV I found Citi to be more sensitive to large purchases than some other banks. They do get trained eventually though. I suggest you set up where they text you fraud alerts as that may allow you to clear it quickly an...
by THY4373
Mon Apr 06, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 124
Views: 15805

Re: Manufactured Spending - Good Idea / Bad Idea?

And then there is a Psychological/Behavior-Economical phenomenon. People want to brag about their new MS schemes but don't want to get followers. They want to post in an open forum for the entire Internet to read them, and at the same time, they use codes so that 90% of their readers would not unde...
by THY4373
Sun Apr 05, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 124
Views: 15805

Re: Manufactured Spending - Good Idea / Bad Idea?

THY4373, I agree with everything you wrote. FF rewards are getting less attractive in terms of both point accumulation and their use. Nevertheless, for those who fly using the rewards is equivalent to not using cash. It is still an attractive opportunity, albeit not as attractive as it used to be. ...
by THY4373
Sun Apr 05, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 124
Views: 15805

Re: Manufactured Spending - Good Idea / Bad Idea?

Those who've been doing this a long time may have better insight: as greater effort yields less reward, do many drop out the game? is it cyclical at all? BFG Most of these sort of things play out one of two ways. Back in the early 2000s there was a lot of money to be made for signing up for online ...
by THY4373
Sun Apr 05, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 124
Views: 15805

Re: Manufactured Spending - Good Idea / Bad Idea?

Honestly the biggest risk these days is devaluation. BA had a major devaluation this year of up to 50%, yes some economy awards got a bit cheaper but fuel and taxes on BA metal kill the value there. For long haul international flights in premium cabins it was a major devaluation. Club Carlson arguab...
by THY4373
Fri Mar 20, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 5246

Re: Hearse as daily driver?

I have thought about it pretty seriously and would still consider it. Pros cheap and good for hauling, basically a glorified station wagon. The cons are you will be known at "the guy/gal that drives a hearse" and if you are married/have family they may not think it is cool. Personally the ...
by THY4373
Fri Feb 27, 2015 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23548

Re: Credit Card Rewards (Travel)

Once the miles hit your frequent flyer account, they cannot be clawed back. Wrong! While it is indeed unlikely it does happen. I personally know somebody who had more than a million miles clawed back by a bank after they were deposited in an airline program. I have also seen reports of others, howe...
by THY4373
Thu Jan 01, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 6009

Re: How to make more money?

I agree, people tend to exaggerate the difference in cost of living besides housing, though that can be important in itself. Also some places have much lower taxes than others but NY state isn't one of them. And in cold 'low cost' areas winter heating can be a significant cost burden to non-well of...
by THY4373
Sun Dec 28, 2014 10:38 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 2308

Re: Any Cyclists With a Brooks Saddle?

I have two Brooks (a Team Pro bought new and a Swallow that came on a lightly used bike I bought). They are both very comfortable to me the Team Pro took a few hundred miles to break in but wasn't bad even before break-in. My two Brooks are the best saddles I have ridden on. I also have two Selle An...

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