Search found 1122 matches

by guitarguy
Fri May 27, 2016 6:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Chase Ink [Plus] - Phone, Internet, office stores This one has peaked my interest. Even with the $95 AF, if I use the card to simply pay our cable/phone/internet bill monthly, the card will more than pay for itself. So I would probably just keep it, set it up to autopay that bill, and occasionally ...
by guitarguy
Fri May 27, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

To OP, I appreciate you broaching this topic. I think everyone can learn from everyone else here. Thanks. That way my thought. At first I wasn't really interested in discussing churning or just chasing signup bonuses. However after reading this thread I've kinda become fascinated by it over the pas...
by guitarguy
Fri May 27, 2016 6:14 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

I'm thinking of not using the Pen Fed gas card anymore, after I accumulate the next $25 reward. It takes so long to accumulate since I only use it for 6 months a year. Are you thinking of a different card? PenFed credits the cash back on each statement automatically, no minimums. Do tell. I don't s...
by guitarguy
Fri May 27, 2016 5:59 am
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

Good grief. Just be nice. Trim the hedges back enough that the neighbor can do the heavy lifting of putting in a new fence. Ha. See my post above. Separating the hedge from the fence would be about as much work as tearing out the fence itself. This is coming from someone that has done both. In fact...
by guitarguy
Fri May 27, 2016 5:56 am
Forum: Personal Consumer Issues
Topic: Harry Potter World: Trip Advice
Replies: 29
Views: 2627

Re: Harry Potter World: Trip Advice

Wife and I decided that we will just do the full time at LOEWS ROYAL PACIFIC RESORT AT UNIVERSAL ORLANDO and do the 2 day pass. I don't want to feel "rushed" by trying to hit everything in a single day. I'm guessing we will do more of a 1.5 day at the park and then on Saturday end up leav...
by guitarguy
Thu May 26, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

Whelp, turns out she decided she wants to have the hedges removed and wants to plant some shorter grassy type plants along her her fence, which the neighbor has already said he plans on giving her the "nice" side. Problem solved. Problem added: me and my brother will be removing huge hedg...
by guitarguy
Thu May 26, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

Whelp, turns out she decided she wants to have the hedges removed and wants to plant some shorter grassy type plants along her her fence, which the neighbor has already said he plans on giving her the "nice" side. Problem solved. Problem added: me and my brother will be removing huge hedge...
by guitarguy
Thu May 26, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

Good grief. Just be nice. Trim the hedges back enough that the neighbor can do the heavy lifting of putting in a new fence. Ha. See my post above. Separating the hedge from the fence would be about as much work as tearing out the fence itself. This is coming from someone that has done both. In fact...
by guitarguy
Thu May 26, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Just started playing the credit card game in January. Goal was to subsidize tickets for 4 to Italy summer 2017. Wow, I did not realize that by "subsidize" I really meant "free". By the end of June I will have earned enough points for 4 free tickets to Europe. By the end of summe...
by guitarguy
Thu May 26, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 46
Views: 2364

Re: Real price for a new car

TheBestOrNothing wrote:The prior use on that car is "Rental". Do yourself a favor and stay away.


Not always the case. But to each their own. I got a great deal on a fully loaded Impala that was a rental. Have been extremely happy with my purchase so far.
by guitarguy
Thu May 26, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 4445

Re: How much do you spend on trips/vacations?

Not much. Just got back from a 7 night trip to Europe (plus one night flying). Spent around $1,000 total, and that was mostly food and entertainment. Flights, hotels, trains, etc. were free from travel rewards. Did the same for Hawaii in September and just spent a few hundred on food/entertainment....
by guitarguy
Thu May 26, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

If it was my fence, bushes, and property, I would tell the neighbor that I will trim the bushes, and you can remove the chain link fence. Yes, I agree that's the nicest way to go. But I'm afraid it's not just "trimming" the bushes. We're talking about a 30+ year old hedge with very thick ...
by guitarguy
Thu May 26, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

The neighborly thing to do would be to help remove the bushes, as you mother is benefiting twofold. She gets privy from your neighbor, and gets what I "assume" is and old ugly chain link fence taken down. She is benefiting even if its not something that is very important to her. Meh. Not ...
by guitarguy
Thu May 26, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Harry Potter World: Trip Advice
Replies: 29
Views: 2627

Re: Harry Potter World: Trip Advice

We did this in April with my wife and I and 2 other couples. 1. Frozen butter beer is like a milkshake. Amazing but rich. We got 2 (we were there for 2 days) and split it both times. 2. The Transformers ride was everyone's favorite. The only one we rode twice. 3. If you get motion sickness...conside...
by guitarguy
Thu May 26, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

1st rule: Keep the peace with your neighbor. Ha...of course. My mother is about the sweetest lady you'd ever meet in your life. From your description, it sounds like your mother's neighbor wants a privacy fence and is willing to get it done himself but the impediment is your mother's hedge needs so...
by guitarguy
Thu May 26, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

Not sure that the posts being on the inside define the existing fence as being on your mom's property...but an original deed or property survey may clarify. If it is her fence and he needs to remove it to install his own, he should probably also be dealing with the bushes as well, though its indete...
by guitarguy
Thu May 26, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Re: Advice on Mom's Fence / Neighbor

I'll bet the existing fence isn't on the property line. I would also bet it belongs to one or the other person and which way the posts go doesn't reliably indicate that. Find out whose fence it is before doing anything. If it's theirs, he can do whatever he wants with it. If it is hers, then it's o...
by guitarguy
Thu May 26, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 43
Views: 2100

Advice on Mom's Fence / Neighbor

So...my mom's neighbor wants to put up a privacy fence. Along the side of the yard where he wants the fence, there is both existing chain link on the property line (with the posts on the inside - so the fence belongs to my mom if I'm not mistaken?) and some rather large hedges (also in my mom's yard...
by guitarguy
Thu May 26, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Anyone have the Chase Hyatt card? Two free nights after spending $1k but annual fee after the first year. Wondering if you cancel the card during the first year to avoid annual fee would you also lose the two free nights if you haven't used them yet? Maybe Marriott is a better deal actually, 80k po...
by guitarguy
Thu May 26, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Just started playing the credit card game in January. Goal was to subsidize tickets for 4 to Italy summer 2017. Wow, I did not realize that by "subsidize" I really meant "free". By the end of June I will have earned enough points for 4 free tickets to Europe. By the end of summe...
by guitarguy
Wed May 25, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

I could be wrong, but I think you cannot have more than 5 Chase accounts, not counting non-branded account (but that may be changing - https://www.reddit.com/r/churning/comments/4kwt7t/chase_524_rule_now_in_effect_for_most_credit_cards/). So you would need to close an account in order to cash in on...
by guitarguy
Wed May 25, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

See my post above. We are not churning but are hitting the intro deals HARD. I plan on doing a trip like this every two or three years. Will close many of these accounts to start the 2 year Chase timer. Exactly. I must've missed your post. What exactly do you mean by close the accounts to reset the...
by guitarguy
Wed May 25, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

DH and I travel some for work (typically 2-3 times a year) but more for pleasure. If you only travel once or twice a year, cash back may be a better fit for you than travel rewards. In addition, mileage is good for us because we redeem them for high dollar trips, mostly international. This is why w...
by guitarguy
Wed May 25, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

This brings up 2 questions for me. 1. For those of you that rock out the miles and travel rewards, do you find that you're also traveling a lot for work as well? It seems to me that a lot of people that do the miles thing also travel for work and they capitalize on earning extra points that way and...
by guitarguy
Wed May 25, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

My only goal is miles. I get a decent amount of miles on United through work so I want credit card points that I can transfer over to United to use. Chase Sapphire Preferred - main card Chase Freedom - for 5% rotating categories Transfer over points from both to United when I need them, sometimes t...
by guitarguy
Wed May 25, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

had the Amex blue reward but didn't want the $75 fee. I thought it ate up a lot of the great rewards. So I dropped that, they have a different (free) reward card that gives 3% at grocery stores. I don't pay a single fee to use a card. To each their own. We hover right around $6k per year on groceri...
by guitarguy
Wed May 25, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

You can use points earned from Chase Freedom or Freedom Unlimited on Ultimate Rewards if you have a Chase Sapphire Preferred? Did not know that. Yep, they all combine into one spot. I don't have the Sapphire Pref though (yet). Chase Sapphire--2% for dining and travel; use for travel in Ultimate Rew...
by guitarguy
Wed May 25, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed Regarding Credit Card Choice
Replies: 12
Views: 603

Re: Advice Needed Regarding Credit Card Choice

I doubt very much if Citi Double Cash shorts you the other 1% if you pay ahead of statement close. I do not see that in the fine print anywhere. A payment is a payment, I'm sure you'd get the other 1%. The other card I use a lot is the American Express Blue Preferred card. There's a $75 annual fee,...
by guitarguy
Wed May 25, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Guitarguy I empathize with your frustration. After ~8 years of using the 3% Amazon Visa, I saw the Amazon Store card on a banner ad earlier this year - and was excited/annoyed. Not sure how long it has been around. FWIW, it was a 1 minute application process, since I already was logged into my Amaz...
by guitarguy
Wed May 25, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

I use Chase Freedom Unlimited, 1.5% cash back. 2/3 of our monthly spending is day care for our two children, which we can put on a credit card. SO far as I know, 1.5% is the best reward we can get on that expense, and I don't want the hassle of managing multiple cards. Before we switched to the Cha...
by guitarguy
Wed May 25, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Anyone using Amazon regularly should consider the Amazon Store Card - basically a line of credit you can only use at Amazon, and get 5% back. https://www.bogleheads.org/forum/viewtopic.php?t=181150 Don't know why Amazon doesn't advertise more. Like OP, I was using the Amazon Visa for 3% back until ...
by guitarguy
Wed May 25, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

Rewards. Redeeming is pretty straight forward for us. I typically redeem on a monthly basis. How are you redeeming on a monthly basis? Out of my 3 primary rewards cards (BOA Cash Rewards, Citi Double Cash, and Discover), only Discover allows me to redeem at any time. The other 2 require you to hit ...
by guitarguy
Wed May 25, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

By the way, the Amex Blue Cash with the 6% rebate on groceries has an annual limit on the 6% cash back ($360 I think). Is there any easy way to keep track of this without manually keeping your own records? Thanks. Right on their website they have a reward tracker that shows the spending for the yea...
by guitarguy
Wed May 25, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

Re: What's Your Credit Card Rewards Strategy?

I'm thinking of not using the Pen Fed gas card anymore, after I accumulate the next $25 reward. It takes so long to accumulate since I only use it for 6 months a year. Are you thinking of a different card? PenFed credits the cash back on each statement automatically, no minimums. I also activate re...
by guitarguy
Wed May 25, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 123
Views: 4761

What's Your Credit Card Rewards Strategy?

There are lots of threads that talk about what the best credit card deals are, ones specific to travel rewards, best cash back cards, etc. I thought it might be helpful to have everyone post their strategy they have for earning/redeeming/maximizing credit card rewards. This would be good info, and w...
by guitarguy
Tue May 24, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 61
Views: 4428

Re: Best credit card deal

For the members who have the Amex blue do you know of Walmart is included in the grocery store 6% cash back? I currently have the Chase preferred and it is offering 5% right now on groceries but excludes Walmart and Target. Local options Walmart is my best choice right now for groceries. Amex does ...
by guitarguy
Tue May 24, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

If this is a debt you don't know anything about, have you filed a dispute with the credit reporting agency? We didn't, for fear of resetting the 7 year clock on having it visible on the report. It hanging out there until next summer won't affect us at all. But if we dispute it and somehow that show...
by guitarguy
Tue May 24, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

There are, in my opinion, two somewhat separate issues here. One is the credit report and the other is the legal obligation. While I am NOT an attorney, it is my understanding that if there is, indeed, a legitimate legal obligation for these obligations, that legal obligation does not go away just ...
by guitarguy
Mon May 23, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

There are, in my opinion, two somewhat separate issues here. One is the credit report and the other is the legal obligation. While I am NOT an attorney, it is my understanding that if there is, indeed, a legitimate legal obligation for these obligations, that legal obligation does not go away just ...
by guitarguy
Mon May 23, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

I second that creditboards.com is the best source for how to practically deal with collections. One issue with the idea of just paying debts that have gone to collection or are past due is that they are often re-aged to stay on your credit report, usually illegally. This can make the negative repor...
by guitarguy
Mon May 23, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

I didn't read dm200's post as judgmental, only that he made some inferences from your comment " I always kinda knew her credit wasn't so hot". That doesn't sound like you thought your DW's bills had always been perfectly paid on time. Fair enough. My knowledge of her credit not being &quo...
by guitarguy
Mon May 23, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

The way I interpret the OP, the wife has not been super responsible in paying obligations. Well the way I interpret your post is judgemental, without merit, and borderline insulting. You should probably take a little more caution before jumping to such sweeping conclusions about people. Whether the...
by guitarguy
Fri May 20, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Due Date
Replies: 16
Views: 1488

Re: Credit Card Due Date

I also get paid on the 15th and last day of the month. I pay for everything with credit cards, and then pay them off, along with the mortgage payment and auto transfers to savings, Roths, etc, on the 1st of the month. Very easy. I don't really worry about when statement cycles begin and end. Paying ...
by guitarguy
Fri May 20, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

first off, you will get MUCH better insight if you go to creditboards.com (CB) and ask in their forum. they speak in acronyms so here is a link to their acronym decoder. https://creditboards.com/forums/index.php?showtopic=32 here is the beginner's guide. https://creditboards.com/forums/index.php?sh...
by guitarguy
Fri May 20, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Re: Advice on Wife's Credit

in your situation, do not bother paying the creditors. it will do nothing to help your score and it won't get them off your report any sooner. those chargeoffs are a cost of doing business and baked into the cost of goods. *flame suit on* :beer Barring some unusual circumstances, I strongly disagre...
by guitarguy
Fri May 20, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Wife's Credit
Replies: 21
Views: 2046

Advice on Wife's Credit

I have a few questions regarding my wife's credit report and would appreciate some advice. Background is...we haven't really been monitoring credit reports for ourselves :oops: , but just decided to start getting the free ones 3X per year, one at a time spaced out. I always kinda knew her credit was...
by guitarguy
Thu May 19, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - how to keep it running smoothly?
Replies: 18
Views: 1972

Re: Macbook Air - how to keep it running smoothly?

turn it off about once a week.
by guitarguy
Thu May 19, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 41
Views: 3166

Re: $750 repair or buy new [MacBook Pro]

Your mac is only 3 ish years old and you were happy with it...if it were me I'd do the repair I think...as long as you can be confident it'll be totally and completely fixed with no lasting negative effects. Similar to repairing say a 2009 Honda. You'll get a TON more life out of that cpu...likely w...
by guitarguy
Tue May 17, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Selling one house, buying another. What to do with extra money?
Replies: 6
Views: 511

Re: Selling one house, buying another. What to do with extra money?

Pay the CC off. Zero risk, 10% return. Under no circumstances would I carry that debt...it's terrible. Also make sure to pay the other CC by Oct. I suspect that will be most people's first thought and you will probably be blasted on this forum for this. Just FYI. Have thick skin. :mrgreen: I would t...
by guitarguy
Mon May 16, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an HSA account without monthly fee
Replies: 28
Views: 2421

Re: Is there an HSA account without monthly fee

Not to sidetrack the thread, but I assume this is for cases where the account holder is retired or something?

I currently pay no fees for our HSA account with HDHP through current employer...maybe they eat the fee?

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