Search found 1234 matches

by guitarguy
Fri Sep 30, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Figured the wealth of knowledge would be a good place to post this question...although I also gave it it's own thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=200440 Question is: You'd think this question would be easy to answer...but I haven't found a clear explanation online... ...
by guitarguy
Thu Sep 29, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Chase UR Point Transfer Question
Replies: 4
Views: 409

Re: Chase UR Point Transfer Question

"The information in your travel profile must match the personal information in your desired loyalty account. You cannot transfer points to accounts of other persons. The only exception is if you have an authorized user on your account; you can add them as the only other authorized person to tr...
by guitarguy
Thu Sep 29, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Chase UR Point Transfer Question
Replies: 4
Views: 409

Re: Chase UR Point Transfer Question

"The information in your travel profile must match the personal information in your desired loyalty account. You cannot transfer points to accounts of other persons. The only exception is if you have an authorized user on your account; you can add them as the only other authorized person to tr...
by guitarguy
Thu Sep 29, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Figured the wealth of knowledge would be a good place to post this question...although I also gave it it's own thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=200440 Question is: You'd think this question would be easy to answer...but I haven't found a clear explanation online... C...
by guitarguy
Thu Sep 29, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Chase UR Point Transfer Question
Replies: 4
Views: 409

Chase UR Point Transfer Question

You'd think this question would be easy to answer...but I haven't found a clear explanation online... Can I transfer Chase UR points from my account to my wife's frequent flyer account at United (rather than my own)? I would be doing this without transferring the UR points to a Chase account in her ...
by guitarguy
Wed Sep 28, 2016 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 771

Re: Hiring a PR person/team to promote music business: worth it?

How much are you making now selling your music online? Can you afford that much overhead? My songs are streaming online about 1,000 streams per week. Not much in terms of actual purchases. My goal is revenue of $200-500 per month but that may take 9-12 months. I think that goal could be obtained so...
by guitarguy
Tue Sep 27, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 771

Re: Hiring a PR person/team to promote music business: worth it?

How much are you making now selling your music online? Can you afford that much overhead?
by guitarguy
Tue Sep 27, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 2801

Re: Companion Dogs for an older person

What about a cat? Heh?? Why on earth would someone want one of those? :mrgreen: :wink: OP - post a pic of your mom's new best friend when she gets him/her home. So you can have a small audience while playing guitar. Plus, they're really cool. :sharebeer Cats automatically find the litter and use it...
by guitarguy
Fri Sep 23, 2016 5:57 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 2801

Re: Companion Dogs for an older person

denovo wrote:What about a cat?


Heh?? Why on earth would someone want one of those? :mrgreen: :wink:

OP - post a pic of your mom's new best friend when she gets him/her home.
by guitarguy
Thu Sep 22, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 2801

Re: Companion Dogs for an older person

I would think hard about an adult dog as opposed to a young dog or puppy. Most of the time they are mellowed out and easier to handle, housebroken, many times crate trained, etc...especially for someone a little older they are usually a better fit. A rescue dog with a good temperament would be an ex...
by guitarguy
Thu Sep 22, 2016 6:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

I have started tipping my toes in MS. Not in large volume. I bought a single $500 OneVanilla VISA about 3 weeks ago on my CSR, with a $4.95 fee. It took several trips to find a CVS store that would sell it to me. Today, I bought two more $500 OneVanilla at the same CVS store with my Barclay Arrival...
by guitarguy
Tue Sep 20, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5347

Re: How I circumvented Chase's 5/24 rule

I've had a normal Chase savings account for a while now, but not Private Client. I'm above 5/24, but I walked in, waited to talk to a banker (again, not as PC) and the preapproval popped up on his screen right away. Interesting. Part of me wants to give this a shot. I have had a Chase checking and ...
by guitarguy
Mon Sep 19, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Just booked a flight to CA on United for Jul 2017 for the week of the 4th for the wife and I. 2.204 cpp. Optimal times for us to leave/arrive, and nonstop flights. 8-) 8-) 8-) Can you give more specifics ? Was it economy or business//first class ? And what cities ? DTW to SFO. Economy class. Flight...
by guitarguy
Mon Sep 19, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Just booked a flight to CA on United for Jul 2017 for the week of the 4th for the wife and I. 2.204 cpp. Optimal times for us to leave/arrive, and nonstop flights. 8-) 8-) 8-) Can you give more specifics ? Was it economy or business//first class ? And what cities ? DTW to SFO. Economy class. Flight...
by guitarguy
Fri Sep 16, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1174

Re: Where Do BHs Register Business Web Domains?

I have my 30+ domains at namecheap.com. Never had any issues, and yes you can redirect the domain to any URL of your choice. thank you very much do you now if the new domain may be actually used as the main URL for that already existing site? I mean, so that when people type the new name the URL na...
by guitarguy
Fri Sep 16, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1174

Re: Where Do BHs Register Business Web Domains?

Lieutenant.Columbo wrote:
guitarguy wrote:GoDaddy.

Have had it for several years and it's been dead reliable.

Price seems to go up a couple bucks every year or two, but you can usually find a promo code online anyways.


thank you,

do you know if GoDaddy allows for redirecting the domain to an already existing site?


yes they do.
by guitarguy
Fri Sep 16, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1174

Re: Where Do BHs Register Business Web Domains?

GoDaddy.

Have had it for several years and it's been dead reliable.

Price seems to go up a couple bucks every year or two, but you can usually find a promo code online anyways.
by guitarguy
Fri Sep 16, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

I will look at bookings for Xmas season next. I know ticket prices go through the roof. My employer has a shutdown with 3 forced vacation days (where you can't work and have to take those days from your balance) on top of the 2 regular paid holidays. That's a big incentive to travel that week. ... ...
by guitarguy
Tue Sep 06, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Light fixture's ground wire
Replies: 17
Views: 1174

Re: Light fixture's ground wire

Totally normal.
by guitarguy
Fri Sep 02, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

lostdog wrote:I value simplicity more. If we lose the card we'll have a debit card and cash to get us by until the issue is resolved.


True. But the suggestion as to getting a fee-free flat 2% card for everything is still a good one either way! :beer
by guitarguy
Fri Sep 02, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6650

Re: Frustrated Losing Weight!

On too many medications fighting my type 2 diabetes...weight loss would help a lot I know. Trend diet work in the beginning but it's not something you can live with. Anyone have any suggestions for low carb breakfast...I know what to do, I just need to find the right motivation...perhaps the threat...
by guitarguy
Fri Sep 02, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6650

Re: Frustrated Losing Weight!

On too many medications fighting my type 2 diabetes...weight loss would help a lot I know. Trend diet work in the beginning but it's not something you can live with. Anyone have any suggestions for low carb breakfast...I know what to do, I just need to find the right motivation...perhaps the threat...
by guitarguy
Thu Sep 01, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Received CSR card by expedited mail. The card is thick and heavy! Seems to have a metal layer. The global entry credit is only one time and for one user, right? For my husband to get his credit, he will need to have a card, right ? Or only one credit for one account? I called CSR benefit specialist...
by guitarguy
Thu Sep 01, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Received CSR card by expedited mail. The card is thick and heavy! Seems to have a metal layer. The global entry credit is only one time and for one user, right? For my husband to get his credit, he will need to have a card, right ? Or only one credit for one account? I called CSR benefit specialist...
by guitarguy
Thu Sep 01, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Appreciate the input. Seems like the 5x rotating categories may suit me better - just have to remember to use the card as I only carry one or two cards in my wallet daily. Do you guys plan on keeping the CSR for good? I now have CSR, And CSP, which I will be downgrading to Freedom. Spouse has CSP a...
by guitarguy
Thu Sep 01, 2016 6:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

We still have the Amex BCP for groceries...until Chase comes out with a 5X card for groceries I won't let go of this one. Since you have the Freedom, I'm guessing that groceries has been one of the rotating 5% categories in the past - not all the time. This quarter, warehouse clubs are on the list ...
by guitarguy
Wed Aug 31, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

$2919, don't forget you need to spend an extra $300 in travel and redeem the credit to offset the $450 total fee. Unless Chase lets you double dip and earn 3X plus get the credit...not sure how that would work. Maybe they would. For now I'll assume they won't. I average about 1.8 cpp on UR point tr...
by guitarguy
Wed Aug 31, 2016 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

[ In comparing the CSR and CSP above, I don't think you're doing the cards justice by saying you're redeeming points at 1.25% for the CSP and 1.5% for the CSR. In fact I think you're devaluing the points by choosing to redeem them that way. I disagree that you're stuck getting less value per point ...
by guitarguy
Wed Aug 31, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

So with the CSR, I have $210 in rewards less $160 annual fee which is a net $50. And with the Fidelity VISA and Capone MC, $140 with zero annual fee which is a net $140. Why is there an additional $160 annual fee for the CSR? $450 annual fee - $300 travel credit = $150 annual fee. $360 rewards - $1...
by guitarguy
Wed Aug 31, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

So with the CSR, I have $210 in rewards less $160 annual fee which is a net $50. And with the Fidelity VISA and Capone MC, $140 with zero annual fee which is a net $140. Why is there an additional $160 annual fee for the CSR? $450 annual fee - $300 travel credit = $150 annual fee. $360 rewards - $1...
by guitarguy
Tue Aug 30, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 2182

Re: Fit bit

Emilyjane wrote:Like my Fitbit charge HR. Hasn't been durable, but they are good about replacing it within the one year warranty period.


^ Same for me here.

Did have a replacement sent as well after about 7 months, they were easy to deal with.
by guitarguy
Fri Aug 26, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11833

Re: Best Use of Ultimate Rewards Points

If you buy the ticket through the Chase portal, whether or not you use points, I believe you will earn miles. Why wouldn't you? I was thinking specifically of paying CASH (i.e. charging the ticket to the Chase credit card instead of paying with points). The reason I ask is that when my father purch...
by guitarguy
Fri Aug 26, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11833

Re: Best Use of Ultimate Rewards Points

If you're ineligible for the bonus, you can product change the CSP to the CSR. I was refunded my annual fee on CSP $95 (free first year) and charged the $450 on the same statement. Expiration date and CVR changes but not account history. The $450 annual fee will be covered by $300 in travel credit ...
by guitarguy
Fri Aug 26, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fear and Trembling (Aug. 31st is my last day at work)
Replies: 77
Views: 9309

Re: Fear and Trembling (Aug. 31st is my last day at work)

Paddymac - my instrument is guitar, and I hope to use "intentional practice" - read up on it or listen to the podcast on freakanomics.com. It's not how much you practice, it's how "intentionally" you practice. Actually, your description sounds like you have this learning method ...
by guitarguy
Fri Aug 26, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11833

Re: Best Use of Ultimate Rewards Points

sorry if this has been answered already, but to flights purchased through Chase ultimate rewards earn miles on the airline flown? Or does purchasing through Chase classify the ticket as one which is not eligible to earn miles with? You still earn miles. If you purchase with cash you earn miles on t...
by guitarguy
Fri Aug 26, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11833

Re: Best Use of Ultimate Rewards Points

Thinking- if you want to keep an UR card, it might be worth keeping the Reserve over the Preferred beyond a year. If you spend $300 on travel per year, the cost would only be $55 annually over the cost of the preferred second year and going forward. And the perks may be worth the extra cost. I got ...
by guitarguy
Fri Aug 26, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11833

Re: Best Use of Ultimate Rewards Points

Thinking- if you want to keep an UR card, it might be worth keeping the Reserve over the Preferred beyond a year. If you spend $300 on travel per year, the cost would only be $55 annually over the cost of the preferred second year and going forward. And the perks may be worth the extra cost. I got ...
by guitarguy
Fri Aug 26, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11833

Re: Best Use of Ultimate Rewards Points

neurosphere wrote:sorry if this has been answered already, but to flights purchased through Chase ultimate rewards earn miles on the airline flown? Or does purchasing through Chase classify the ticket as one which is not eligible to earn miles with?


You still earn miles.
by guitarguy
Wed Aug 24, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

One could argue that the optimal strategy for UR points is better served with the CSR as a "one year and done" card, and keep the CSP around instead. Will the extra 1% on travel and dining, combined with the $300 annual travel credit, be enough to offset that $450 AF? Hmm...looks like I s...
by guitarguy
Tue Aug 23, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

One could argue that the optimal strategy for UR points is better served with the CSR as a "one year and done" card, and keep the CSP around instead. Will the extra 1% on travel and dining, combined with the $300 annual travel credit, be enough to offset that $450 AF? Hmm...looks like I s...
by guitarguy
Tue Aug 23, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

hey all. two things. 1. i think i messed up ROYALLY about a month ago when i transferred ~125K UR points for cash back instead of using them towards flights/travel which would have really extended the bang-for-the-buck factor. :oops: 2. i just got approved for a Chase Sapphire Reserve. my only othe...
by guitarguy
Mon Aug 22, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

Anybody try to apply for the Chase Sapphire Reserve yet? It goes live online tomorrow, was available in-branch today. Mixed info on whether 5/24 applies yet. Some say that got denied over 5/24, others got approved. I didn't bother to go to a branch yesterday but will apply online today assuming the...
by guitarguy
Mon Aug 22, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7752

Re: The True Cost of Owning a Dog

The vet remarked that our dog (6 years old) is one of the few they see with no health problems. We attribute this to a good healthy diet. Dogs, like people require good food for good health. Don't be cheap on dog food, or you will pay expensive health bills down the road. Nonsense. We have 2 dogs o...
by guitarguy
Fri Aug 19, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Strategy/Recommendations
Replies: 10
Views: 1394

Re: Online Savings Account Strategy/Recommendations

We leave our cash savings in Ally online savings accounts earning about 1% or whatever.

We don't move around to chase any promo offers for banking.

We do jump on credit card signup bonuses tho. :mrgreen:
by guitarguy
Fri Aug 19, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7752

Re: The True Cost of Owning a Dog

The vet remarked that our dog (6 years old) is one of the few they see with no health problems. We attribute this to a good healthy diet. Dogs, like people require good food for good health. Don't be cheap on dog food, or you will pay expensive health bills down the road. Nonsense. We have 2 dogs o...
by guitarguy
Fri Aug 19, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7752

Re: The True Cost of Owning a Dog

But I was tracking dog and cat expenses separately. Simply feeding our healthy Labrador retriever blew past the cat's medical expenses, not to mention the dog's preventive vet bills, boarding costs and grooming (about $40/month for the dog), training, and a succession of leash-like devices designed...
by guitarguy
Fri Aug 19, 2016 6:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

I have been using AMEX Blue Cash Card for quite a number of years. Just received a letter from AMEX stating that my Blue Cash card will be discontinued and I will receive the Blue Cash Everyday Card which offer cash back on purchases of 3% in US supermarkets, 2% US gas stations, 2% US department st...
by guitarguy
Wed Aug 17, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

how do you guys decide to use points vs cash back cards? Both of us uses a CSP and we have over 100K points each, but never used. Not sure how to use them! Debating if I should get the CSR - also thinking of the fido 2% cash back. We try to use Amex for 6% grocery and Penfed for 5% gas back 8-) htt...
by guitarguy
Wed Aug 17, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7752

Re: The True Cost of Owning a Dog

First of all, I think an important thing to note here is that this number can vary WIDELY depending on the dog. My brothers dog has all kinds of allergies, needs special food and meds, etc. Very $$. We're lucky that both of our dogs do great on Kirkland dog food, and (again very lucky) are very heal...
by guitarguy
Wed Aug 17, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 786
Views: 77879

Re: What's Your Credit Card Rewards Strategy?

I use the Southwest Airlines Visa card. I pay my son's college tuition on it. I live in New York, he studies in Florida. I have not "paid" for a flight for him to come home yet. Too bad my daughter's school charged a 3% surcharge! I would have a lifetime of miles! I ran into this too...I ...

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