Search found 773 matches

by rjbraun
Mon Feb 27, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Mysteries or other books set in contemporary Japan?
Replies: 11
Views: 554

Re: Mysteries or other books set in contemporary Japan?

Apparently, Matsumoto Seicho was the "most famous" 20th century Japanese crime writer. While he does appear in the site noted above (under "M" for his family name of Matsumoto) it doesn't seem to have as extensive a listing of his works in English translation as shown on the wiki...
by rjbraun
Fri Feb 24, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 32
Views: 1844

Re: critique Italian itinerary

Well, the feedback you've received is kind of all over the map (so to speak). Not sure what I can add, but I would say that you can go from Milan (MXP - Malpensa) to Varenna by train. Not sure about Bolzano, but we flew in / out of MXP a couple of years ago and capped off our trip with a wonderfully...
by rjbraun
Fri Feb 24, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150426

Re: What's Your Credit Card Rewards Strategy?

Interesting about the different EINs. In my case, I have not legally formed my business venture(s), so according to the IRS website I need to wait to obtain an EIN. I'm not sure if this is the case with Amex, but Citi (confirmed personally) and a few others allow you to use your SSN in lieu of an E...
by rjbraun
Fri Feb 24, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150426

Re: What's Your Credit Card Rewards Strategy?

<snip> From Amex I've had the personal Plat, Ameriprise Plat, Biz Plat, 2x SPG personal, 2x SPG Biz, 2x Hilton Surpass, 2x no AF Hilton, 1x SimplyCash. <snip> I assume the "2x" for various Amex cards means that you and your wife each got the card. I've already received the Amex SPG bonus ...
by rjbraun
Thu Feb 23, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150426

Re: What's Your Credit Card Rewards Strategy?

<snip> From Amex I've had the personal Plat, Ameriprise Plat, Biz Plat, 2x SPG personal, 2x SPG Biz, 2x Hilton Surpass, 2x no AF Hilton, 1x SimplyCash. <snip> I assume the "2x" for various Amex cards means that you and your wife each got the card. I've already received the Amex SPG bonus ...
by rjbraun
Wed Feb 22, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2366

Re: Amazon Coupon Code

flyingbison wrote:Thanks for the tip. $50 Cabela's gift card for $41.37, plus I will get 5% back for the purchase on my Amazon Visa card.

+1, only Whole Foods gift card and 5% back on Sallie Mae card (alas, those days will soon be over :( )
by rjbraun
Wed Feb 22, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Mysteries or other books set in contemporary Japan?
Replies: 11
Views: 554

Re: Mysteries or other books set in contemporary Japan?

Perhaps you will find some helpful leads from the site below. By the way, if you read Donna Leon before heading to Venice, my sense is that she's pretty top-notch. Hope there's something comparable for Japan (or parts thereof). stopyourekillingme.com could be of interest to mystery lovers, in genera...
by rjbraun
Tue Feb 21, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150426

Re: What's Your Credit Card Rewards Strategy?

I've been wondering why charge card companies (Amex, Citi, Chase, etc.) actually do give bonuses for folks who churn. Take a look at a blog post I have linked earlier. It provides some explanations. An interesting article in The Points Guy Why US Credit Card Bonuses Are So High — And Why That May C...
by rjbraun
Tue Feb 21, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150426

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: 23
Views: 2292

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 14394

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: 2407

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 14394

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: 2407

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: 2407

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: 14394

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: 14394

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: 14394

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: 1113

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1252

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: 1212
Views: 150426

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: 1212
Views: 150426

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: 1252

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: 1252

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: 1212
Views: 150426

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: 6707

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: 1204

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: 3821

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: 3821

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: 6707

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: 6707

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: 3793

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: 3821

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: 3159

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: 6707

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: 6707

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: 2861

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: 2861

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: 3203

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...

Go to advanced search