Search found 112 matches

by DrGrnTum
Thu Nov 26, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 30
Views: 4151

Re: Chase Sapphire Reserve retention offer - was worth the effort

I called and cancelled this same card on renewal. I love that card but they will pay the bonus points every 4 years. So, I will renew the start of next year and collect the bonus again. I also canceled my Reserve card. I am presently just past the four-year mark of getting the Reserve bonus. Chase ...
by DrGrnTum
Tue Sep 29, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: What's Your Credit Card Rewards Strategy?

I need your advice. I have an American Express Gold Card which has a 250$ annual fee. I dont use it that much to make it worth the 250$ fee. I have about 35k points. What would be the best card to product change to ( with AE) so it doesnt affect my credit and I cam get some rewards also. I called A...
by DrGrnTum
Thu Sep 17, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1636

Re: Chase Freedom to Freedom Unlimited on Credit history

Have you guys recently moved from Chase Freedom Visa to the Unlimited Visa? I heard that they are deactivating the old Freedom cards and recommend customers to either Unlimited or Flex. My concern is, we have had the Freedom card for many many years and it's a big contributor to my credit history. ...
by DrGrnTum
Wed Sep 16, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: What's Your Credit Card Rewards Strategy?

Question: Can I refer my wife for the Chase Sapphire Preferred or any Chase card and get the referral bonus (if I have the card)? Yes you can. Here is a write up by the The Points Guy on Chase referrals. https://thepointsguy.com/news/earn-chase-bonus-points-with-referral-links/ In the artificial he...
by DrGrnTum
Thu Sep 10, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: What's Your Credit Card Rewards Strategy?

I anticipated a lot of upcoming spending and travel and so applied for the Southwest Rapid Rewards 75K points in Jan. Am $100 shy of the companion pass, so should get there next statement. Plan to close this card soon after that. Since we're still buying things for the house, I think I can sign up ...
by DrGrnTum
Sun Sep 06, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: What's Your Credit Card Rewards Strategy?

by EnjoyIt » Sun Sep 06, 2020 5:18 pm Let me ask you I have 2 no fee Amex cards with about 20k points each. One is the blue which is my oldest card I have had for over 20 years and won’t get rid of it. I also don’t use it. The other is the Amex everyday card. Those points are far less valuable than...
by DrGrnTum
Sun Sep 06, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: What's Your Credit Card Rewards Strategy?

I anticipated a lot of upcoming spending and travel and so applied for the Southwest Rapid Rewards 75K points in Jan. Am $100 shy of the companion pass, so should get there next statement. Plan to close this card soon after that. Since we're still buying things for the house, I think I can sign up ...
by DrGrnTum
Sun Sep 06, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: What's Your Credit Card Rewards Strategy?

Hey Guys, having gotten married last year, am looking to settle on a good credit card strategy and need critiques/suggestions. I used to only have no AF cards: the Uber Visa for 4% dining, 3% Amex Blue cash everyday (high credit limit) for any groceries/gas (minimally used), Chase Freedom and Citi ...
by DrGrnTum
Fri Sep 04, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

Another update.
My cousin met with the cousins from the other side.
Somebody from that side is taking the lead on this.

My cousin was told that they had taken a vote and they had decided to exclude our side of the family.

Let the games begin....
by DrGrnTum
Thu Sep 03, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

Here is an update. On doing some investigation, we found out that a cousin from the other side has started the process to legally address this issue. We would just be delaying the process if we decided to become involved. We will see how this plays out. Thanks for the update. Did you ever find out ...
by DrGrnTum
Wed Sep 02, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: Great new benefits with Chase Freedom Unlimited

Do I understand this right? Keep $25k in VTI and get $550 off your Amex platinum card? The way I read it is you need $5000 monthly Direct Deposit and $25,000 cash to get the $550 credit otherwise you’ll be paying $45/mo in account maintenance fees. You also need a Morgan Stanley investment account ...
by DrGrnTum
Wed Sep 02, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940370

Re: Great new benefits with Chase Freedom Unlimited

I just got this email today: EARN MORE CASH BACK ON YOUR CARD STARTING 9/13/2020! All of this is automatic—no activation required, no annual fee and no caps on the amount of rewards you can earn! Benefits include: Man on road trip 5% Unlimited cash back on travel purchased through Chase Ultimate Re...
by DrGrnTum
Wed Sep 02, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Closed with Better on 07/15. Today the $2,500 bonus posted to our Amex Credit Card. I remember back when I started this process there was concern that this was a targeted offer. I applied for the loan using the Better Amex link that I found on line. I got a 15yr, 2.375 no cost loan. The whole proces...
by DrGrnTum
Tue Sep 01, 2020 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Potential risk with Chase URs [Ultimate Rewards]
Replies: 26
Views: 5216

Re: Potential risk with Chase URs [Ultimate Rewards]

With the announcement of the new Chase Freedom Flex card and the changes to points earnings on the regular Freedom, I am wondering if maybe chase will indeed announce that points pooling will no longer be allowed. When the Reserve first came out I read that Chase was overwhelmed by the signup respon...
by DrGrnTum
Tue Sep 01, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

Here is an update.
On doing some investigation, we found out that a cousin from the other side has started the process to legally address this issue.

We would just be delaying the process if we decided to become involved.
We will see how this plays out.
by DrGrnTum
Wed Aug 26, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

by Bobby206 » Tue Aug 25, 2020 4:11 pm I have fairly significant experience with this stuff so will agree with much of the above. Definitely agree with above that the California courts are slow right now. After 3 months of closures, in most counties, they are way behind. Some courts literally didn'...
by DrGrnTum
Tue Aug 25, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32037

Re: What is the best concert you ever witnessed?

Sept 25, 1968 Jimi Hendrix, Swing Auditorium, San Bernardino Ca. I was 14 years old. As I look back on it now, I don’t recall getting tear gassed as being a big deal. It was all part of the “Experience” https://www.dailybulletin.com/2020/06/21/jimi-hendrixs-concerts-in-san-bernardino-were-an-experie...
by DrGrnTum
Mon Aug 24, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

Just want to comment on your plan to gather information before you "commit to anything". I am pretty sure you can become the administrator and then resign at any time. If I were you, I might "commit" and then gather information if there were going to be any legal, travel or othe...
by DrGrnTum
Sun Aug 23, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

My cousin just has the keys nothing else. In this respect my cousin is just letting the house go. If you are actually saying "my cousin is doing nothing", then I now understand what you meant by "letting the house go". I've never heard that phrase used with that context. My assu...
by DrGrnTum
Sun Aug 23, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

by JoeRetire » Sun Aug 23, 2020 1:22 pm Your cousin needs to discuss that thought with the lawyer. Almost certainly he has no right to "let the house go" just because he has keys. Whoever is appointed as representative by the court has a fiduciary responsibility to everything for the bene...
by DrGrnTum
Sun Aug 23, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

My cousin passed away this last April. He did not leave a will. He was the last of his family. He had a house that was completely paid for. Zillow show the house worth around $280k. He had no other assets. At present no one is attending to the house. One of my cousins that use to look in on him has...
by DrGrnTum
Sun Aug 23, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

When did you last see your disabled cousin? Had you visited him regularly? Pre-Covid 19 I drove up to visit him a couple of times. He was in a assisted living facility. I went to see him when he was first admitted. When Covid-19 turned into an epidemic, visitors were not allowed. He died at the fac...
by DrGrnTum
Sat Aug 22, 2020 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

When did you last see your disabled cousin? Had you visited him regularly? Pre-Covid 19 I drove up to visit him a couple of times. He was in a assisted living facility. I went to see him when he was first admitted. When Covid-19 turned into an epidemic, visitors were not allowed. He died at the fac...
by DrGrnTum
Sat Aug 22, 2020 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

OP. What would make you think the cousin who has the keys will share, if there is any money in the first place to share, part of the 280k w/you? Indeed. If I were the cousin with the keys who used to check in on the deceased while he was alive, I would look very skeptically at this other cousin (th...
by DrGrnTum
Sat Aug 22, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

I am just about certain you will regret deeply any involvement in this estate other than as a beneficiary. Stay as far away as possible. Don't be surprised if this splits your family apart. I am well aware of the nightmare issues that can come up in a family when money is involved. I don't think th...
by DrGrnTum
Sat Aug 22, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

I think gill idea is very good. Someone needs to step up or the state and county will get everything. Generally speaking intestate estates go like this. Spouse/ children Parents Siblings Grand parents Forgot niece/nephew here Aunt/uncle 1st cousins 2ne cousins The state/sometimes 3rd cousins. I am ...
by DrGrnTum
Sat Aug 22, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

Check to see if the property was actually in the sole name of the deceased cousin and not involved with any joint/trust/beneficial ownership and not involved with any reverse mortgage. Most California counties have a grantor-grantee property ownership index available online. There are a number of m...
by DrGrnTum
Sat Aug 22, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Re: Cousin died He did not leave a will

Here is a little more background on my deceased cousin. For most of his adult life he was a shut-in. He lived with his mom and dad and his sister. These were the only people in his family. They have all passed away. The house originally was owned by his parents. He was never married and I do not rem...
by DrGrnTum
Sat Aug 22, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Cousin died He did not leave a will
Replies: 85
Views: 11373

Cousin died He did not leave a will

My cousin passed away this last April. He did not leave a will. He was the last of his family. He had a house that was completely paid for. Zillow show the house worth around $280k. He had no other assets. At present no one is attending to the house. One of my cousins that use to look in on him has ...
by DrGrnTum
Tue Jul 28, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Does anyone know who better.com usually sells their loans to and how long it takes them to sell the mortgage after funding it? If you read back on this thread, I believe you will find a list that someone published about who Better sells their loans to. When we signed our closing docs there was a pa...
by DrGrnTum
Tue Jul 21, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Where do you see the breakdown of the actual fees from better? I did the app online and got to the point where I have the breakdown on today’s offered rates broken down at diff rates on 15, 20, and 30 year options. If I select a rate here what’s the next step? I’m not anxious to lock anything in. I...
by DrGrnTum
Mon Jul 20, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

In reply to some folks asking about the Better/Amex deal: I applied to Better prior to having an Amex card. I applied for the Cash Magnet card (1.5% universal cask back) subsequently. I mentioned this to the processor and she just asked me to send her the card number once I got it. Better asked me ...
by DrGrnTum
Sat Jul 18, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

by mtwhmemn At what point in the Better.com refi process do they ask you for your AMEX account number (if you are getting the $2500 AMEX credit deal) ? Thanks. When I got my final closing statement, right before I closed I inquired to Better about the $2,500 credit. They asked me to answer a few qu...
by DrGrnTum
Thu Jul 16, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

How long after closing did you guys receive your Amex credit? I know it says 8-12 weeks. But curious if it really takes that long. I did a search in a reddit AMEX discussion site and found that people are reporting that they got their credit in a about a month. I wish I was that lucky. I'm past two...
by DrGrnTum
Thu Jul 16, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

How long after closing did you guys receive your Amex credit? I know it says 8-12 weeks. But curious if it really takes that long. I did a search in a reddit AMEX discussion site and found that people are reporting that they got their credit in a about a month. I wish I was that lucky. I'm past two...
by DrGrnTum
Thu Jul 16, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Familyman2012 wrote: Thu Jul 16, 2020 7:48 am How long after closing did you guys receive your Amex credit? I know it says 8-12 weeks. But curious if it really takes that long.
I did a search in a reddit AMEX discussion site and found that people are reporting that they got their credit in a about a month.
by DrGrnTum
Wed Jul 15, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

hbdad wrote: Wed Jul 15, 2020 6:40 pm Owning.com is advertising 2.75 no cost 30yr on their website. Fine print seems to suggest they will cover 3rd party costs.
I believe there only in California.

Pay attention to what Owning is offering.
They like to tack any costs on top of your loan and call it a no cost loan.
by DrGrnTum
Wed Jul 15, 2020 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Anyone that closed with Better have their house in a trust?
If anyone is in this situation, can you tell me how Better handled it.
by DrGrnTum
Wed Jul 15, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Is it worth opening up a free AmEx card to take advantage of the offer with Better? Anyone know the best free AmEx card to get? I'm not too familiar with the different cards. Blue Cash Everyday Better told me this card is eligible for the bonus. They reported to me that I would have needed to apply...
by DrGrnTum
Wed Jul 15, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

[quote=pianos101 post_id=5373308 time=<a href="tel:1594847237">1594847237</a> user_id=126364] Re: Amex offer. Ok guys i'm confused. Those of you that got the Amex $2500 from Better, did you all have targeted offers from Amex that you clicked? Or can I just go to the Better-Amex offer site...
by DrGrnTum
Wed Jul 15, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Re: Amex offer. Ok guys i'm confused. Those of you that got the Amex $2500 from Better, did you all have targeted offers from Amex that you clicked? Or can I just go to the Better-Amex offer site and apply? The terms clearly say you have to apply through a targeted offer link. Here is a link that m...
by DrGrnTum
Wed Jul 15, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 162372

Re: Bank of America/Merrill Edge - Preferred Rewards

Interesting write-up from a travel credit card churning site. The writer talks about retirement investing and The Preferred Rewards program. The writer also mentions a "Larry". https://frequentmiler.boardingarea.com/retirement-planning-mistakes-fixed-by-credit-cards/?utm_source=milesfeed.c...
by DrGrnTum
Fri Jul 10, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

For those who qualified for the $2,500 AMEX statement credit via Better, did you actually receive this? How did you connect to your AMEX account? Was this done at the end? I’m asking because Better says I qualify for this promotion, but I have no official confirmation from AMEX. After better sent m...
by DrGrnTum
Thu Jul 02, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Is PayPal considered Direct Deposit?
Replies: 4
Views: 531

Re: Is PayPal considered Direct Deposit?

Here's the list of data points by bank: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/. I don't think PayPal distinguishes between P2P payments and say an eBay sale, it'll look the same to the bank. Vanguard and other brokerages tend to count as direct depos...
by DrGrnTum
Tue Jun 30, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Another thing that has been pointed out in this tread. Make sure the email you use to login to Better's site is the same as what is active on the account for the Amex card. I had issue with this, but I think I have it worked out. Good luck. That's a good reminder. Will make sure that the same email...
by DrGrnTum
Tue Jun 30, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...
by DrGrnTum
Tue Jun 30, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

I went through better website to apply. Got a call from the rep. I told them that I have an LE that I would like them to take a look at and see if they can beat. Which they did. Before I even mention the competitor LE. The rates better initial offer was poor. Then I told them about the Amex promo. ...
by DrGrnTum
Tue Jun 30, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...
by DrGrnTum
Tue Jun 30, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...
by DrGrnTum
Thu Jun 18, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8042
Views: 560957

Re: Refinance Mega Thread

Just a quick note on the Better $2,500 Amex bonus. There have been previous posts were people have checked with Amex and were told that the email on the eligible CC needs to match the email that is in the Better account. People have said that they changed the Better email using the provided utility ...