Search found 203 matches

by giesen5
Sat Apr 22, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

I use many of the same cards as you. And like you, I typically use my pen fed card for gas purchases. However, it recently occurred to me (now that I have the Chase Sapphire Reserve as well as the Chase Freedom) that if I charge gas to the Chase Freedom in the quarters when Chase is offering the 5%...
by giesen5
Fri Apr 21, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

I currently have an AMEX Blue Cash Everyday card paying 3% at supermarkets and lesser amounts for other categories. The card has no fee. There's currently an offer to switch to their Blue Cash Preferred card for $95 a year and receive 10% on restaurants for up to $2000 in purchases or 6 months whic...
by giesen5
Fri Apr 21, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

I currently have an AMEX Blue Cash Everyday card paying 3% at supermarkets and lesser amounts for other categories. The card has no fee. There's currently an offer to switch to their Blue Cash Preferred card for $95 a year and receive 10% on restaurants for up to $2000 in purchases or 6 months whic...
by giesen5
Thu Apr 20, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: US Bank Travel Card 50k Points ($1k value)
Replies: 6
Views: 763

Re: US Bank Travel Card 50k Points ($1k value)

Per an article on Doctor of Credit, you can only apply in branch (none near me in the southeast) and you have to be an existing US Bank customer. I guess they're trying to limit the huge interest (and huge initial loss) that Chase had with the Sapphire Reserve. -Steph Word out now is that you do no...
by giesen5
Thu Apr 20, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

Ohhhhhhh, exciting news, rumor of a new card from US Bank: http://www.doctorofcredit.com/confirmed-details-regarding-u-s-banks-altitude-premium-visa-infinite-credit-card-eligibility-requirements/ Cliff notes: From US Bank, annual fee $400 $325 annual travel credits, so really a $75 card if you use ...
by giesen5
Thu Apr 20, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

Just got an email telling me that my Cap One account is restricted and I need to call in to talk about the activity. I have moved money in and out, but not really that much. Anyone else have this issue?

Will be calling them later today.
by giesen5
Thu Apr 20, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

Yes, go ahead and pull it back as soon as you can.
by giesen5
Wed Apr 19, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 309
Views: 28181

Re: Larry Swedroe says "Goodby."

Even though this is a cordial board, I am surprised by the amount of personal attacks. It is the few that spoil it for the many.
by giesen5
Wed Apr 19, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

Ohhhhhhh, exciting news, rumor of a new card from US Bank: http://www.doctorofcredit.com/confirmed-details-regarding-u-s-banks-altitude-premium-visa-infinite-credit-card-eligibility-requirements/ Cliff notes: From US Bank, annual fee $400 $325 annual travel credits, so really a $75 card if you use t...
by giesen5
Wed Apr 19, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 9
Views: 1319

Re: Bank Bonus Master List

Other good bonuses currently available: $300 Chase Checking: https://www.chase.com/checking/offer/q1-premierplus-aff-sub-offer.html?ID=0000019255 $200 Capital One Money Market: https://www.capitalone.com/bank/strong200/ And a bunch of other ones depending on what state you are in. If you are in the ...
by giesen5
Wed Apr 19, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 9
Views: 1319

Re: Bank Bonus Master List

Ahhh, the pure legit way.
by giesen5
Wed Apr 19, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 9
Views: 1319

Re: Bank Bonus Master List

I am the proud owner of $200 worth of BMO bonus money. I don't think I will do that again. I completed the requirements and they didn't pay it on time. I had to call them repeatedly waiting "10 business days" between each call. Each time I politely recanted the whole situation and then th...
by giesen5
Wed Apr 19, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 9
Views: 1319

Re: Bank Bonus Master List

Anyone have any luck with the BMO Harris bonus? Wondering if Cap One works as DD for the bonus.
by giesen5
Tue Apr 18, 2017 1:12 am
Forum: Investing - Help with Personal Investments
Topic: K-12 Teachers, 403bcompare and SB/NEA Direct Invest
Replies: 5
Views: 564

Re: K-12 Teachers, 403bcompare and SB/NEA Direct Invest

This is so great - so many teacher 403b plans are crappy. So nice to see Vanguard options, it just warms my heart.
by giesen5
Mon Apr 17, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

You only do that if there is no one behind you......
by giesen5
Sat Apr 15, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Just did some math on the heloc... My CU that owns my mortgage has both a heloc and fixed loan starting at 3.5%. No annual fee or prepayment penalty. Rate assumes you have their checking account, which I do. Say I borrow $10,000 to do the Capital One MMA bonus ($200). Pays in 6-8 weeks. 2 months at...
by giesen5
Sat Apr 15, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Just did some math on the heloc... My CU that owns my mortgage has both a heloc and fixed loan starting at 3.5%. No annual fee or prepayment penalty. Rate assumes you have their checking account, which I do. Say I borrow $10,000 to do the Capital One MMA bonus ($200). Pays in 6-8 weeks. 2 months at...
by giesen5
Sat Apr 15, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Wife and I around $2000 for the 1st quarter - I agree it is worth the minor hassle. Just keep a good spreadsheet!
by giesen5
Fri Apr 14, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

The last one I got was not targeted, do this one: http://www.doctorofcredit.com/capital-one-360-200-money-market-bonus-publicly-available-1-apy-requires-10000-deposited/ Limited by the pocketbook... Mine were all $1,500 or less. Don't have a spare $10k just sitting around. When I do, I want to do C...
by giesen5
Thu Apr 13, 2017 1:28 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Option Help
Replies: 28
Views: 1141

Re: 403(b) Option Help

That is a great link.

And bummer about NJ plan.
by giesen5
Thu Apr 13, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Option Help
Replies: 28
Views: 1141

Re: 403(b) Option Help

Absolutely look into the 457 route. My wife is a teacher and the 403b options were atrocious, similar to yours. We fund her 457 plan and do not do anything with the 403. She is a teacher in Washington state.
by giesen5
Wed Apr 12, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Last year: Huntington $200, $350 Fifth Third $200 US Bank $125 Northpointe $50 Discover (NEA) $50 Chase $300 Key Bank $200 Schwab $100 First Federal $150 This year: Wells Fargo $250, $250 Level One $300 Preferred Credit Union $125 Key Bank $300 My Banking Direct $100 Santander $150 Waiting on BMO H...
by giesen5
Tue Apr 11, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Last year: Huntington $200, $350 Fifth Third $200 US Bank $125 Northpointe $50 Discover (NEA) $50 Chase $300 Key Bank $200 Schwab $100 First Federal $150 This year: Wells Fargo $250, $250 Level One $300 Preferred Credit Union $125 Key Bank $300 My Banking Direct $100 Santander $150 Waiting on BMO H...
by giesen5
Tue Apr 11, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

JGoneRiding wrote:
giesen5 wrote:We did the same thing. I just downgraded my wife's account to Total Checking via secure messaging. Quick and painless. Now only need to ACH $500/month to keep it fee free.


Or keep 1500 in it. No need for both.


Yep, I just move the $500 around to different banks each month.
by giesen5
Tue Apr 11, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

We did the same thing. I just downgraded my wife's account to Total Checking via secure messaging. Quick and painless. Now only need to ACH $500/month to keep it fee free.
by giesen5
Tue Apr 11, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7531

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Just opened my accounts today with Chase to receive the bonus. In reading the fine print about the direct deposits, I see that it says it must be from an employer or government issue (ie, social security). I've seen in the past that an ACH transfer from Wells Fargo and other banks have worked. Can ...
by giesen5
Thu Apr 06, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

boater07 wrote:I was told it takes 6-8 weeks.
Just chatted with rep


Most everyone receives bonus within a week, lots of data points out there.
by giesen5
Thu Apr 06, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

Got bonus today. Deposits posted March 31.
by giesen5
Fri Mar 31, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Chase Credit Card Question
Replies: 18
Views: 1809

Re: Chase Credit Card Question

You can downgrade the CSP to the no fee Sapphire at any time before the annual fee hits. Then change it to the Freedom Unlimited the day after. Just takes 2 calls. Worked for me over 2 days last year. Two days after the one year anniversary, I downgraded my Sapphire Preferred card to a Freedom card...
by giesen5
Fri Mar 31, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Chase Credit Card Question
Replies: 18
Views: 1809

Re: Chase Credit Card Question

You can downgrade the CSP to the no fee Sapphire at any time before the annual fee hits. Then change it to the Freedom Unlimited the day after. Just takes 2 calls. Worked for me over 2 days last year. Two days after the one year anniversary, I downgraded my Sapphire Preferred card to a Freedom card...
by giesen5
Fri Mar 31, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12164

Re: Get $250 from Wells Fargo

Jackson12 wrote:How long does the Capital One have to be open? I think the offer expires on the 31st ( at least for money market)


It is an easy one. Once you get the bonus you can close, but there are data points that it may take a few days for your deposit and bonus to be available.
by giesen5
Wed Mar 29, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

$200 posted but I'm now considering keeping this one open. I'd transferred 10k from Ally where I was also getting 1%, same as here. Might as well keep it to allow one more option to do ACH when needed. Any reason to keep this open? I am in exactly the same situation. Plan was to open, get bonus and...
by giesen5
Wed Mar 29, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

And then, to continue to itch the addiction, you move to bank bonuses. Down the rabbit hole you goooooooooooooooooo
by giesen5
Tue Mar 28, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2115

Re: Adults trip in May to Zion and Bryce National Parks

I second Angel's Landing with the caveat that it is a pretty adventurous hike. It is steep and there is a pretty long portion where you will be using chains to get over the terrain. If you are afraid of heights you will not enjoy it. I saw a few people having mini breakdowns trying to force themsel...
by giesen5
Tue Mar 28, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

Just tried to apply for my third AmEx card in the last 90 days. Instant decline, too many cards in the past few months. I had heard that the 2/90 rule was not enforced, but it has bit me in the ass twice now.
by giesen5
Sat Mar 25, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 9
Views: 1319

Bank Bonus Master List

I did a quick search and did not see a place to gather all bank bonus opportunities. Website I use is doctorofcredit.com

Here is the most recent one. $200.

http://www.doctorofcredit.com/bmo-harri ... ionwide-2/
by giesen5
Sat Mar 25, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

OK, so I signed up for the Capital One 360 account and $200 bonus and am waiting for funds to transfer from an external account. The signup process was easy--in fact too easy in the sense that nowhere was I prompted to set up security questions or 2FA. Nor was I informed about the SwiftID feature (...
by giesen5
Sat Mar 25, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12164

Re: Get $250 from Wells Fargo

What constitutes a "debit card transaction" for the purposes of this promotion? Does it include all purchases made with the debit card, or only purchases where a PIN is entered? I never bothered with a pin, just kept debiting my daily $2 coffee for ten days at my favorite cafe, for which ...
by giesen5
Thu Mar 23, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

Just learned something frustrating. My bank only allows $2500 to be transferred per day. So my plan is going to take more time. Bank is a credit union, maybe a regulation for all credit unions? I'm in the same boat, banks and credit unions have all kinds of silly limits for transferring funds. I go...
by giesen5
Thu Mar 23, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. Wow, impressive haul! I just opened my 360 account. Couldn't transfer funds from Fidelity for ...
by giesen5
Thu Mar 23, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

In the last two months have opened:

2 Chase = $600
2 Wells Fargo = $500
2 Santander = $450
2 Cap One = $400

Total of $1950

It does take a bit of work, especially to make them fee free, but it is worth it.
by giesen5
Wed Mar 22, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Fees
Replies: 13
Views: 1076

Re: Utah 529 Fees

Who would have thought that Utah had the best 529 to swing for the fences? I thought the fees were great. I am pleased as punch with the options and I went with: Domestic Equity Vanguard Small-Cap Value Index 25.00% DFA US Small Cap Value 25.00% International Equity DFA International Value 25.00% V...
by giesen5
Wed Mar 22, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

Love this thread! While waiting for my Amex SPG and Alaska cards to arrive, I am employing this 5 card strategy, I 'm sure it will drive some of you crazy. Restaurants : Amex Blue for Business 10x in first 6 months up to $2000 in spend. After six months, all restaurant get Chase Sapphire Preferred f...
by giesen5
Wed Mar 22, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2115

Re: Adults trip in May to Zion and Bryce National Parks

I second Angel's Landing with the caveat that it is a pretty adventurous hike. It is steep and there is a pretty long portion where you will be using chains to get over the terrain. If you are afraid of heights you will not enjoy it. I saw a few people having mini breakdowns trying to force themsel...
by giesen5
Wed Mar 22, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

This may be too much information, but below is what we have done, strategy-wise, since January 2016. (Anyone know how to make the formatting work? It looks great before I submit....) I have done very little MSing. Our spend on credit cards, as a family, is usually around $3-5K/mo. I tried to spread...
by giesen5
Wed Mar 22, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

Thanks for the tips, really appreciate it. The other card that I am going to close soon are the Alaska cards. Want to reapply for those. We are close to Seattle, so I am focusing on building that arsenal of points. 1. I can't get IHG, I am way over 5/24. I wish I could go back in time and start aga...
by giesen5
Wed Mar 22, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

I have in writing (via Facebook messenger chat with Capital One rep) that there is no take-back on the bonus; I can reduce my balance below $10k at any time. Specifically, I asked about opening a CD with $1k and immediately transferring the other $9k back out to get better interest than 0.6% Yep. I...
by giesen5
Wed Mar 22, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

Thanks for the tips, really appreciate it. The other card that I am going to close soon are the Alaska cards. Want to reapply for those. We are close to Seattle, so I am focusing on building that arsenal of points. 1. I can't get IHG, I am way over 5/24. I wish I could go back in time and start agai...
by giesen5
Tue Mar 21, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 110
Views: 10146

Re: Capital One 360 $200 bonus

If you are interested in more bank bonuses, check this site out: http://www.doctorofcredit.com/best-bank-account-bonuses
by giesen5
Tue Mar 21, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1442
Views: 208709

Re: What's Your Credit Card Rewards Strategy?

This may be too much information, but below is what we have done, strategy-wise, since January 2016. (Anyone know how to make the formatting work? It looks great before I submit....) I have done very little MSing. Our spend on credit cards, as a family, is usually around $3-5K/mo. I tried to spread ...

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