Search found 267 matches

by giesen5
Sat Oct 07, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 22
Views: 2504

Re: personal capital

Like others, I use the dashboard and love love love that feature.
by giesen5
Tue Oct 03, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I’ve already maxed those out, too bad. Feeling a bit of a stalemate right now.
by giesen5
Tue Oct 03, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Wife and I just applied for the Capital One Spark Cash (business) card. I am something like 24/24 and she is 16/24. Both denied, waiting for the letter explaining why, but it has to be too many inquires. We are 800+ FICO. Anyone else having trouble getting this card? I am nervous that all companies...
by giesen5
Tue Oct 03, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Wife and I just applied for the Capital One Spark Cash (business) card. I am something like 24/24 and she is 16/24. Both denied, waiting for the letter explaining why, but it has to be too many inquires. We are 800+ FICO. Anyone else having trouble getting this card? I am nervous that all companies ...
by giesen5
Mon Sep 18, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Interesting news about Barclaycard Arrival +. https://www.doctorofcredit.com/is-barclay-denying-those-with-many-new-accounts-similar-to-524-contribute-data-points-here/ Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and ...
by giesen5
Mon Sep 18, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Interesting news about Barclaycard Arrival +. https://www.doctorofcredit.com/is-barclay-denying-those-with-many-new-accounts-similar-to-524-contribute-data-points-here/ Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and ...
by giesen5
Sat Sep 09, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I made a rookie application mistake, but somehow it worked out. I was looking at my spreadsheet to see when I had canceled my Alaska business card. Instead of looking at the "canceled" column I looked at the "opened" column. Great, I closed that card in January, should be pretty easy to get again! H...
by giesen5
Tue Aug 29, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Credit card bonus award rules
Replies: 12
Views: 1679

Re: Credit card bonus award rules

Chase just changed the rules on the Sapphire family of cards:

https://www.doctorofcredit.com/official ... imitation/
by giesen5
Mon Aug 28, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7733

Re: I ran out of credit card signups bonus...

I'm just curious, For those churners out there who are willing to share, Historically how much upfront rewards do you typically pull in for year? I never really realized it could be as lucrative as it is with some of these bonuses at $500+ a pop. I'm not ready to start churning but I may start doin...
by giesen5
Mon Aug 28, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7733

Re: I ran out of credit card signups bonus...

Have you tried it multiple times with the Barclay AAviator card? I just read on their website and the fine prints reads "This offer is available to new cardmembers only" for this exact card.. If you close the card and open a new one you are a new card member. I don't really care about AA miles, but...
by giesen5
Mon Aug 28, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7733

Re: I ran out of credit card signups bonus...

student wrote:
Mon Aug 28, 2017 12:11 pm
I suggest visiting doctorofcredit.com on a a regular basis.
This, this, this. Doctor of Credit is an amazing site, great insight in comments on the posts, too. Whenever a new card comes out they are all over it.
by giesen5
Wed Aug 23, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

My husband has a small consulting business since he retired. It's practically dormant. But I have the EIN number, I've applied to a bunch Amex business cards. In short, I don't think it's a problem. Thanks, but I don't have an EIN number. Not sure if that matters and I could perhaps apply for an EI...
by giesen5
Wed Aug 23, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

My husband has a small consulting business since he retired. It's practically dormant. But I have the EIN number, I've applied to a bunch Amex business cards. In short, I don't think it's a problem. Thanks, but I don't have an EIN number. Not sure if that matters and I could perhaps apply for an EI...
by giesen5
Wed Aug 23, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. I got an invitation to apply for the Amex Business Platinum Card. I can't really grasp how attractive the card would be, though on the face of things it looks good: 100k with $5,...
by giesen5
Mon Aug 07, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: CC strategy for Europe flight next summer
Replies: 19
Views: 1577

Re: CC strategy for Europe flight next summer

Hi All, I am confused with CC miles and other airline points. I have the Capital One Venture CC which gives you "face value" points (2x for EVERY 1$), which is nice, but I know there are cheaper ways to fly. I want to collect points for next summer's trip for 4 to Europe. I'm in DFW, where American...
by giesen5
Mon Aug 07, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 4901

Re: 403b provider choices

FiveK wrote:
giesen5 wrote:Just checking in to see if anyone else has had luck with NEA DirectInvest?
There is some discussion of this in Great 403b for teachers? - Bogleheads.org.
Oh right! Forgot about that thread, thanks.
by giesen5
Sun Aug 06, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 4901

Re: 403b provider choices

Just checking in to see if anyone else has had luck with NEA DirectInvest? I'm starting communication with their reps (I've sent an email) to see what the process is for getting them into my wife's district plan. She has maxed out the Wa State 457 plan - thanks to you all that pointed that out, it i...
by giesen5
Fri Aug 04, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished with the minimum spend. Checking back in. Did receive the Barclay A+ bonus again after minimum spend. So the interval between closing and reopen...
by giesen5
Thu Aug 03, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished with the minimum spend. Checking back in. Did receive the Barclay A+ bonus again after minimum spend. So the interval between closing and reopen...
by giesen5
Thu Aug 03, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Oh yes they will! Edit: It is a well known churnable card. How long do you have to wait before you can reapply and get the signup bonus again? I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished w...
by giesen5
Thu Aug 03, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by giesen5
Sun Jul 16, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 5338

Re: Road noise in 2017 Honda CRV?

Road noise is a trademark of Honda cars, comparatively speaking. If that criterion is really important to you, you should look elsewhere. Even the best tires are not going to make much of a difference (speaking from personal experience). Go and test drive it yourself, see if it bothers you that muc...
by giesen5
Fri Jun 30, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 27792

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. I read that Satander takes very long up to 4 months to give you the $225, also how did you ope...
by giesen5
Thu Jun 29, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 27792

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. I read that Satander takes very long up to 4 months to give you the $225, also how did you ope...
by giesen5
Thu Jun 29, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Need Credit Card for International Travel
Replies: 45
Views: 3355

Re: Need Credit Card for International Travel

Currently in Italy. Been to Venice and Florence, no problems using Cap One and Barclaycard.
by giesen5
Mon Jun 05, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by giesen5
Mon Jun 05, 2017 12:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by giesen5
Sun Jun 04, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by giesen5
Sat Jun 03, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months.
by giesen5
Fri May 26, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I downloaded her credit report from annualcreditreport.com, and see those accounts. No other suspicious accounts open. Another thing, YOU should not be downloading her credit report from annualcreditreport.com. She should be doing this. It is technically fraud for you to access your spouse's credit...
by giesen5
Fri May 26, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I downloaded her credit report from annualcreditreport.com, and see those accounts. No other suspicious accounts open. Another thing, YOU should not be downloading her credit report from annualcreditreport.com. She should be doing this. It is technically fraud for you to access your spouse's credit...
by giesen5
Fri May 26, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I opened the below 4 in the last 6 months: Chase Sapphire Reserve Chase Southwest Plus Chase Southwest Premier Chase Sapphire Preferred My wife opened the below 2 in the last 6 months: Chase Sapphire Reserve Chase IHG Rewards She has a Chase Amazon card and that was opened more than 2 years ago. Wh...
by giesen5
Fri May 26, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

I opened the below 4 in the last 6 months: Chase Sapphire Reserve Chase Southwest Plus Chase Southwest Premier Chase Sapphire Preferred My wife opened the below 2 in the last 6 months: Chase Sapphire Reserve Chase IHG Rewards She has a Chase Amazon card and that was opened more than 2 years ago. Wh...
by giesen5
Fri May 26, 2017 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4457

Re: Bank Bonus Master List

I'm confused about what you mean. I did the Chase bonus transferring money from Wells Fargo, not a paycheck or government check. Did you get the bonus?? I did not doing a similar transfer that satisfied the requirement for the fee for checking acct. It was an ACH push from an outside bank but no bo...
by giesen5
Thu May 25, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4457

Re: Bank Bonus Master List

I can sadly report that if you do not have the option of direct transfer (we don't) of either a paycheck, or government check (SS etc) that the Chase bonus will not work. Very disappointed :? I'm confused about what you mean. I did the Chase bonus transferring money from Wells Fargo, not a paycheck...
by giesen5
Thu May 25, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

New business card out: AmEx Blue Business Plus 20,000 sign up miles after $3000 spend in 3 months 2x on ALL purchases per year, up to $50k NO FEE Looks like a great non-bonus spend card. The question out there is it a new Blue business card or an extension of the old Blue. I got the Blue business c...
by giesen5
Thu May 25, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

New business card out: AmEx Blue Business Plus 20,000 sign up miles after $3000 spend in 3 months 2x on ALL purchases per year, up to $50k NO FEE Looks like a great non-bonus spend card. The question out there is it a new Blue business card or an extension of the old Blue. I got the Blue business c...
by giesen5
Thu May 25, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

New business card out: AmEx Blue Business Plus 20,000 sign up miles after $3000 spend in 3 months 2x on ALL purchases per year, up to $50k NO FEE Looks like a great non-bonus spend card. The question out there is it a new Blue business card or an extension of the old Blue. I got the Blue business c...
by giesen5
Thu May 25, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

New business card out: AmEx Blue Business Plus 20,000 sign up miles after $3000 spend in 3 months 2x on ALL purchases per year, up to $50k NO FEE Looks like a great non-bonus spend card. The question out there is it a new Blue business card or an extension of the old Blue. I got the Blue business ca...
by giesen5
Wed May 24, 2017 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4457

Re: Bank Bonus Master List

I can sadly report that if you do not have the option of direct transfer (we don't) of either a paycheck, or government check (SS etc) that the Chase bonus will not work. Very disappointed :? I'm confused about what you mean. I did the Chase bonus transferring money from Wells Fargo, not a paycheck...
by giesen5
Wed May 24, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4457

Re: Bank Bonus Master List

I'm waiting for my BMO Harris bonus...2nd DD posted on 4/12. Other than that I'm doing my best to close down everything that's currently open. I had over 40 checking accounts at one point it just got unmanageable. Did you do the M&T bonus churn? Any how much money did you make on 40 accounts? Must ...
by giesen5
Wed May 24, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4457

Re: Bank Bonus Master List

I'm waiting for my BMO Harris bonus...2nd DD posted on 4/12. Other than that I'm doing my best to close down everything that's currently open. I had over 40 checking accounts at one point it just got unmanageable. Did you do the M&T bonus churn? Any how much money did you make on 40 accounts? Must ...
by giesen5
Wed May 24, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus Master List
Replies: 29
Views: 4457

Re: Bank Bonus Master List

Anyone have any insight into which banks to keep versus which to close? The three that I am struggling with are Wells Fargo, Chase and Capital One. It seems that Capital One is more likely to be accepted for direct deposits to count for bonuses at other banks, but I am not 100% sure on this. I also ...
by giesen5
Fri May 19, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

We are up to over $6000 in bank bonuses this year...my goal is to get to $10k but since M&T shut us down that might be tough... I'm curious about this. Most bank bonuses are in the $100-500 range and require a latent period for re-application. How did you get $6000 in such a short time period? Wife...
by giesen5
Fri May 19, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

SW= Southwest
CP= Companion Pass
by giesen5
Thu May 18, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14757

Re: For those with $500k-$1m in investments...

Ages 45 and 46. 1% in taxable, still working on maxing out 401k, 403b, etc.
by giesen5
Thu May 18, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Life's big ticket items to save for
Replies: 37
Views: 3610

Re: Life's big ticket items to save for

The most impactful kid expense for us was daycare. We were young, really just entering our careers and therefore not making a ton of money. Daycare expenses are high and took a lot of our paycheck at that time. Throw in kid #2 and yikes. It was a great day when those expenses were done. At that poin...
by giesen5
Wed May 17, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411529

Re: What's Your Credit Card Rewards Strategy?

tedclu wrote:Been at this for a number of years.

Chase's 5/24 hurts but there are a few chase cards that does not fall under 5/24.
Or you can try the branch pre approval process.
They are: BA, Ritz, Marriot Biz. avoid paying any fee on Ritz by lower your limit to 1500.
Chase IHG too, right?