Search found 765 matches

by rjbraun
Tue Feb 21, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

American Express Delta - Just a warning. The card claims that you cannot get the miles bonus if you've ever had the card before . . . apparently they mean it, as I just spent $3,000 and they said I won't be getting the miles. I guess it's my fault, but I'm sharing as other people have had luck with...
by rjbraun
Tue Feb 21, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 21
Views: 1715

Re: Anyone have a house keeper?

I live overseas, in an Asian city where it is very common to have live-in household help. Almost every family with small children will employ one. We hired a live-in helper when our baby was born last year. It is, in a word, PHENOMENAL. Before we hired her my evening routine was rushing home from w...
by rjbraun
Wed Feb 15, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Wow, 10k or more miles annually. Sounds like a lot of surveys to complete. :P I stopped taking the longer surveys a while back, and can get through the "20 minute" surveys in less than 10 minutes, in most cases. It's definitely not for everyone, but if I've got some time to spare, it's es...
by rjbraun
Wed Feb 15, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

We have an American Visa and a United Visa because occasional use keeps our mileage from expiring by showing activity on our frequent flier accounts. We use these cards rarely. You could join AAdvantage Dining and United Dining rewards programs as a means to generate activity to keep your mileage p...
by rjbraun
Wed Feb 15, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

You could join AAdvantage Dining and United Dining rewards programs as a means to generate activity to keep your mileage points active, assuming that you live in or visit an area that has participating restaurants. If that's the sole purpose of keeping your two airlines cards, and you don't benefit...
by rjbraun
Wed Feb 15, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 13994

Re: Sallie Mae Rewards MC being discontinued

As for not migrating over to the new card, the rep said I should call after 3/1 to request "product upgrade" on the account. He said that based on the account history, etc. it could be possible to get an upgrade. Anyone have experience with this or similar (with other cards)? Sounds like ...
by rjbraun
Tue Feb 14, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2286

Re: Need quick advice: Pay full year's rent or large security deposit?

Just to throw this out there for people talking about consigning, NYC landlords typically demand that guarantors show taxable income equal to 80x monthly rent. Reading between the lines, I'm guessing that studios in the "nice" areas the original poster is considering go up to $2000 per mo...
by rjbraun
Tue Feb 14, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Thank you, Victoria. I guess the attached ("This card is known to be subject to Chase's 5/24 rule") doesn't definitively address the matter, it seems to me. I suppose it's a question of whether the "subject to" applies to someone's Ink card application (desirable, from our stand...
by rjbraun
Tue Feb 14, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

We have an American Visa and a United Visa because occasional use keeps our mileage from expiring by showing activity on our frequent flier accounts. We use these cards rarely. You could join AAdvantage Dining and United Dining rewards programs as a means to generate activity to keep your mileage p...
by rjbraun
Tue Feb 14, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

We have an American Visa and a United Visa because occasional use keeps our mileage from expiring by showing activity on our frequent flier accounts. We use these cards rarely. You could join AAdvantage Dining and United Dining rewards programs as a means to generate activity to keep your mileage p...
by rjbraun
Tue Feb 14, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Also, keep in mind you can still apply for business cards from most banks without affecting your 5/24 status. Capital One is the only major bank that reports business cards on your personal credit report. I recently got the Chase Ink Business Preferred; 80,000 UR with $5000 spend was too good to pa...
by rjbraun
Tue Feb 14, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Also, keep in mind you can still apply for business cards from most banks without affecting your 5/24 status. Capital One is the only major bank that reports business cards on your personal credit report. I recently got the Chase Ink Business Preferred; 80,000 UR with $5000 spend was too good to pa...
by rjbraun
Mon Feb 13, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 13994

Re: Sallie Mae Rewards MC being discontinued

dont have enough to redeem. im at $21 right now. will i get a reward check in the mail later when card is discontinued? No, but the rewards transfer to the new program. I wasn't necessarily planning to take on the new card. I'll check again, but it just didn't seem so attractive. I realize that it ...
by rjbraun
Mon Feb 13, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2286

Re: Need quick advice: Pay full year's rent or large security deposit?

Since time is limited, find an airbnb to rent for a month while she searches for a roommate. Airbnb is generally illegal in NYC. If one is concerned about getting scammed, I would be even more careful about renting in the Airbnb market in NYC. https://www.nytimes.com/2016/12/03/technology/airbnb-en...
by rjbraun
Mon Feb 13, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2286

Re: Need quick advice: Pay full year's rent or large security deposit?

Option B with well documented photos of apartment condition prior to move-in. Ideally, have the landlord provide written sign-off on any imperfect conditions, scratches, etc. Maybe also try to have some language that allows for normal "wear and tear" of daily living. For example, obviously...
by rjbraun
Fri Feb 10, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 13994

Re: Sallie Mae Rewards MC being discontinued

I've finished recovering from the loss of our two Sallie Mae CCs. I don't have a better plan than what you posted, but in an effort to keep things reasonably simple, I am hoping that I can use my (new) Chase Freedom card next quarter (April to June) to get 5% off my groceries. I think the cap is $1...
by rjbraun
Thu Feb 09, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 13994

Re: Sallie Mae Rewards MC being discontinued

dont have enough to redeem. im at $21 right now. will i get a reward check in the mail later when card is discontinued? No, but the rewards transfer to the new program. I wasn't necessarily planning to take on the new card. I'll check again, but it just didn't seem so attractive. I realize that it ...
by rjbraun
Thu Feb 09, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 139
Views: 13994

Re: Sallie Mae Rewards MC being discontinued

I've finished recovering from the loss of our two Sallie Mae CCs. The new scheme is not as good as the old, but what can you do? The biggest loss is the 5% cash back from Walmart. Here is our new scheme: Groceries (6%): AmEx BCP Gas (6%): Shell gas cards from Publix using BCP ** Amazon (5%): Amazon...
by rjbraun
Thu Feb 09, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Different Advice Needed - Career Change to Investment
Replies: 12
Views: 1100

Re: Different Advice Needed - Career Change to Investment

In New York, there is NYSSA, the New York Society of Security Analysts. NYC is a big place and NYSSA is just one of a number of places for security analysts to learn, network, etc. (so any New Yorkers reading this, I'm not suggesting that NYSSA is the definitive place to go). The comparable organiza...
by rjbraun
Thu Feb 09, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Not necessarily. I got the 30 day message and eventually got approved without calling. Chase sent a letter stating they would need to reconfigure my credit lines before approving the card and to let them know if I didn't agree. -Steph Steph, how quickly were you notified of the reconfigured credit ...
by rjbraun
Thu Feb 09, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

I tried for CSR by becoming Chase Private client and got turned down. Very disappointing. Sorry to hear that. Did Chase tell you immediately or only some time after you became a CPC? SO applied for CSP online. Decision is pending, which is a bit disconcerting. Response said that decision could take...
by rjbraun
Thu Feb 09, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Not necessarily. I got the 30 day message and eventually got approved without calling. Chase sent a letter stating they would need to reconfigure my credit lines before approving the card and to let them know if I didn't agree. -Steph Steph, how quickly were you notified of the reconfigured credit ...
by rjbraun
Wed Feb 08, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Where to buy pearl stud earrings?
Replies: 12
Views: 1240

Re: Where to buy pearl stud earrings?

BarnacleBob is right: get Akoya premium. Hmm, maybe I could use a new pair of pearl earrings :happy I only see "Classic" and "Premier" Akoya Cultured Pearl earrings on the Blue Nile site. I assume you mean Premier, right? I guess these are supposed to be higher quality (luster, ...
by rjbraun
Wed Feb 08, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

Not necessarily. I got the 30 day message and eventually got approved without calling. Chase sent a letter stating they would need to reconfigure my credit lines before approving the card and to let them know if I didn't agree. -Steph Steph, how quickly were you notified of the reconfigured credit ...
by rjbraun
Wed Feb 08, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

I thought 30 days was the rejection message. My SO and I both applied of a new Chase card and got the 30-day message and it was a rejection for both of us. I called the Recon line and got it approved by moving credit around and my SO just had to provide more information, but had we not called, it w...
by rjbraun
Wed Feb 08, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Where to buy pearl stud earrings?
Replies: 12
Views: 1240

Re: Where to buy pearl stud earrings?

BarnacleBob is right: get Akoya premium. Hmm, maybe I could use a new pair of pearl earrings :happy I only see "Classic" and "Premier" Akoya Cultured Pearl earrings on the Blue Nile site. I assume you mean Premier, right? I guess these are supposed to be higher quality (luster, ...
by rjbraun
Wed Feb 08, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Where to buy pearl stud earrings?
Replies: 12
Views: 1240

Re: Where to buy pearl stud earrings?

BarnacleBob is right: get Akoya premium. Hmm, maybe I could use a new pair of pearl earrings :happy I only see "Classic" and "Premier" Akoya Cultured Pearl earrings on the Blue Nile site. I assume you mean Premier, right? I guess these are supposed to be higher quality (luster, ...
by rjbraun
Wed Feb 08, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1145
Views: 142811

Re: What's Your Credit Card Rewards Strategy?

I tried for CSR by becoming Chase Private client and got turned down. Very disappointing. Sorry to hear that. Did Chase tell you immediately or only some time after you became a CPC? SO applied for CSP online. Decision is pending, which is a bit disconcerting. Response said that decision could take...
by rjbraun
Tue Feb 07, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6654

Re: Best CC for Travel

Food for a meal or snack? Have you been to ohare or London heathrow lounges? Any you recommend? While I've only visited a couple of Priority Pass (PP) lounges, I believe the extent of the food and drink offerings will vary by lounge. That would be consistent with my experience visiting other airpor...
by rjbraun
Fri Feb 03, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 17
Views: 1193

Re: Best courses and books on negotiation

Coursera recently opened registration for a negotiation class that I believe will begin this Monday. I'm not familiar with the course, but it's taught by a Yale School of Management professor and Herb Cohen is listed as among the guest speakers. https://www.coursera.org/learn/negotiation?utm_source=...
by rjbraun
Thu Feb 02, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 3799

Re: How much will i need to retire in my apartment in nyc?

tyro wrote:Yes we will receive social security.

Good for you. That certainly helps to improve your financial picture 8-)
by rjbraun
Thu Feb 02, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 3799

Re: How much will i need to retire in my apartment in nyc?

Relax, if your expenses would be 4k a month (in 2017 dollars) if your mortgage was paid off then congrats, you've already made it. A typical 2 income couple in NYC will receive more than that in SS payments alone once they reach retirement age. Anything in your portfolio will be for luxuries. This....
by rjbraun
Thu Feb 02, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6654

Re: Best CC for Travel

I consider my knowledge level about credit cards/points to be 99.99th percentile among regular people. Interesting. How long have you been studying / learning about credit cards/ points, if you don't mind saying? And at what intensity? Just wondering how much time I should expect to dedicate if I'm...
by rjbraun
Thu Feb 02, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6654

Re: Best CC for Travel

I consider my knowledge level about credit cards/points to be 99.99th percentile among regular people. Interesting. How long have you been studying / learning about credit cards/ points, if you don't mind saying? And at what intensity? Just wondering how much time I should expect to dedicate if I'm...
by rjbraun
Thu Feb 02, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Career advice please: early 30's tech employee, new mom, confused
Replies: 36
Views: 3781

Re: Career advice please: early 30's tech employee, new mom, confused

2) Leave my current employer and get a job with less responsibility at a big company (think IBM, Google, Apple) that offers stable employment, excellent health insurance, and generous maternity leave policies. Stay there through my future pregnancy(ies) and work just hard enough not to get fired, w...
by rjbraun
Thu Feb 02, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 3799

Re: How much will i need to retire in my apartment in nyc?

I believe part of your maintenance may be deductible. I also live in co-op and the portion of maintenance that reflects the building's real estate taxes is deductible in the event you itemize. I believe that the interest on any underlying building mortgage (not referring to the mortgage you personal...
by rjbraun
Wed Feb 01, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone drop out of school in 30's or 40's?
Replies: 34
Views: 3148

Re: Anyone drop out of school in 30's or 40's?

I haven't had a chance to read every single post in this thread, but I thought the attached recent NY Times article seemed relevant to the overall general discussion (not sure it's directly relevant to OP's situation). I realize that people may not be able to access the article without a Times subsc...
by rjbraun
Wed Feb 01, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6654

Re: Best CC for Travel

^^^ Victoria, many thanks for your thorough and informative reply. It makes me think that maybe FTU or an FT conference doesn't make sense for me, yet. As I am still working full-time, I just don't know that I have the flexibility and time to make use of the various strategies and such. I suppose at...
by rjbraun
Wed Feb 01, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6654

Re: Best CC for Travel

By the way, I am thinking of attending the FlyerTalk Seminar in Chicago in October. If any Bogleheads have been there (or are planning to), I'm interested in your take on the event. Victoria I went to the Chicago Seminars this last October. It was my first points/miles/credit card seminar. I found ...
by rjbraun
Tue Jan 31, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

Re: Award Wallet - Thanks for the helpful feedback. I think the site probably isn't for me now, mainly as I'm reluctant to share passwords. I did register earlier and have already received some e-mails recommending cards, etc., such as CSR, which isn't so helpful info to me. I'll probably "unsu...
by rjbraun
Mon Jan 30, 2017 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

Consider enrolling in Award Wallet premium to keep track of points potentially expiring. If you sign up before 2/1, you lock in $10 a year forever, otherwise price is going up to $30/year. Is there a way to use Award Wallet by entering information on your own? If I'm not mistaken it looks as if you...
by rjbraun
Sun Jan 29, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 24
Views: 3184

Re: Senior Lifetime National Parks Pass Fee Going Up

How does the lifetime pass work? The link made reference to an annual pass as well, I think. So, you need t get both a lifetime pass and an annual pass - is that it? No you don't have to buy the annual pass if you can get a lifetime senior pass. My mom has the senior pass and she has never bought a...
by rjbraun
Sun Jan 29, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 24
Views: 3184

Re: Senior Lifetime National Parks Pass Fee Going Up

How does the lifetime pass work? The link made reference to an annual pass as well, I think. So, you need t get both a lifetime pass and an annual pass - is that it?
by rjbraun
Fri Jan 27, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

Consider enrolling in Award Wallet premium to keep track of points potentially expiring. If you sign up before 2/1, you lock in $10 a year forever, otherwise price is going up to $30/year. Thanks for the heads-up on Award Wallet. Will definitely look into this before the 31st! Also, really apprecia...
by rjbraun
Fri Jan 27, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

just keep in mind that buying things with gift cards, you don't get credit card protections, so supermarket and gas ones wouldn't be an issue probably, but buying, say, electronics with them, you might wish afterwards not to have done that. credit card companies have been known to take action and f...
by rjbraun
Fri Jan 27, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

Sometimes there a prepaid cards that makes this really simple. Sometimes not so simple.. In that case, I suppose I will keep an eye on matters 8-) Example, (just to get you thinking).... Perhaps you frequently purchase $500 per month of random stuff from Coscto/Walmart etc. Perhaps you are willing ...
by rjbraun
Fri Jan 27, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

to answer your question, nearly all points expire, generally in 18 months, although it is relatively easy to keep them alive, but you do need to keep track of it. I assume you are referring to frequent-flyer air miles. I try to keep an eye on those, especially the larger point balance situations, b...
by rjbraun
Fri Jan 27, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

if you want to consider any of the "big chase cards" (like CSP) make sure you are familiar with the 5/24 rule - google for more specifics, but basically you are limited to 5 credit card applications (including being an authorized user) in 24 months from any bank or else chase will general...
by rjbraun
Fri Jan 27, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2851

Re: Suggestions for new credit card (with attractive minimum spend bonus)

The amex business platinum has a 100k sign up bonus that ends today (1/25/17). Great card but spend for the bonus is 15k in 3 months... 100k bonus uhh wonder how that business model works :P I could figure out a way to spend 15k if that were true!! So is it a 1k bonus or $100????? While I'm not fam...
by rjbraun
Fri Jan 27, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)
Replies: 24
Views: 3600

Re: Priority Pass airport lounge access - Chase Sapphire Reserve perk (and possibly other cards)

-- Lounge access can be restricted based on times. Have you actually ever tried to access a lounge during a restricted period? I'm not doubting that they will turn someone away but just wondering if anyone has experienced it firsthand. Based on my experience of having entered during an open period ...

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