Search found 78 matches

by ZinCO
Fri Apr 19, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 65
Views: 2361

Re: Optimizing credit card airline points

Are some — emphasis on some — travel agents adept at using points/rewards when booking travel? As far as I know there is no system to reimburse travel agents for using points to book on your behalf, so my guess is they would not be interested UNLESS the flights were only part of a larger itinerary....
by ZinCO
Fri Apr 19, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 50
Views: 1878

Re: Best Credit Card for College Freshman

Since he's 18, why don't you (or have him) pull his free annual credit report and see if his authorized user status shows up? If so you really don't need to do anything if you don't want to; depending on who's paying the CC bill, you can let him remain an AU until he's truly off on his own with his ...
by ZinCO
Mon Mar 25, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 51
Views: 5704

Re: Primer on Paying Taxes With a Credit Card

For credit card reward purposes are tax payments coded as online purchases? I don't think so. Been doing this for 5 years with BoA cards to get 2.625%, tried last year on a quarterly payment using the ATT Access More card (3x on online purchases) but it only counted as 1x. But that's likely to be h...
by ZinCO
Mon Mar 18, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back card
Replies: 25
Views: 2074

Re: Cash Back card

All true, but I guess my point was, I COULD have purchased gas at my Kroger-attached gas station and gotten the quarterly Gas Stations bonus this quarter. I just chose to make it more complicated and, to me, more useful.
by ZinCO
Mon Mar 18, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back card
Replies: 25
Views: 2074

Re: Cash Back card

Make sure you read the fine print, because that 5% cash back on grocery stores from Chase in a particular quarter has a bunch of exclusions including Target and Walmart. When they do gas stations, they exclude gas stations with grocery stores like Kroger, and also Costco and other box stores with g...
by ZinCO
Mon Mar 18, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back card
Replies: 25
Views: 2074

Re: Cash Back card

If you are using Thank You Points for Amazon and gift cards, then yes, the double cash back card will be better for you. But search for other recent threads to find other options.
by ZinCO
Wed Feb 20, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665630

Re: What's Your Credit Card Rewards Strategy?

I think I'll hold onto them for now and wait for better opportunities in the future. Be warned that usually every few years they change the redemption rates to devalue your long-saved points. Oh dang yeah that makes sense. I'll probably be able to use it later this year or next year at latest...def...
by ZinCO
Thu Feb 14, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Buying a 2019 RAV4 hybrid - how to pay for it?
Replies: 76
Views: 3773

Re: Buying a 2019 RAV4 hybrid - how to pay for it?

Check the numbers on a single-pay lease as well... Basically pre-pay the lease term with near-0% rates, take any lease incentives from Toyota Financial, and plan to buy out the car at lease end. Or, like I did, view it as a 3-year test drive, giving you the option to return it at lease end should yo...
by ZinCO
Tue Jan 08, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4538

Re: Paying "cash" for auto - possibly w regular credit card?

Two of the three were offering $1,000 rebates if we financed. They absolutely would not take that amount off the price - believe me I tried. The first one I waited the 3 months and paid it off. The second one I waited until I could get an online account set up and paid it off immediately. I paid a ...
by ZinCO
Tue Jan 08, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4538

Re: Paying "cash" for auto - possibly w regular credit card?

In my experience they generally will accept CC's, but with a very low cap. Just bought a car this weekend with $3k on the CC (was hoping for $5k but they wouldn't budge). CC transaction costs are just too high for the dealer to take. Also, make sure you educate yourself on the numbers for a single-p...
by ZinCO
Fri Jan 04, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665630

Re: What's Your Credit Card Rewards Strategy?

I currently get 2.25% on BoA Premium rewards as I am Platinum Honors. I see that https://www.pay1040.com/ charges 1.87% for making Federal Tax payments. I actually have a fairly significant estimated tax payment to make because of Vanguard distributions :( It seems like I can get .38% (2.25 - 1.87)...
by ZinCO
Mon Dec 31, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1333

Re: Bank of America Premium Rewards Airline Fee Credit

I just received a new BoA Premium Rewards card. I've activated it, but can't see it online yet. I wanted to make use of the Airline Fee Credit of $100 for this year. Do I need to specify that the credit is with a particular airline (I do need to do that for Amex credit) or can I simply charge the a...
by ZinCO
Sun Dec 30, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Best bet for streaming YouTube TV on my TV?
Replies: 27
Views: 2044

Re: Best bet for streaming YouTube TV on my TV?

I use my Sony DVD player to access Netflix , You Tube, etc. Works fine. My Panasonic Blu-Ray player has a bunch of apps, including YouTube. But after a few years the Panasonic Vieracast system on my unit would not support the newer version of the YouTube app. The danger of counting on the more expe...
by ZinCO
Sun Dec 16, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy a PIN prepaid debit card with a credit card for rewards bonus
Replies: 10
Views: 538

Re: Can I buy a PIN prepaid debit card with a credit card for rewards bonus

You are better off finding/using a CC where the rewards are worth more than 2.35% to you, and using that. There are a few cash-back cards that exceed that number (BoA Premium Rewards at 2.625% is what I use for taxes, utilities, etc), or even better, get a new CC with a substantial and useful sign-u...
by ZinCO
Tue Dec 11, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665630

Re: What's Your Credit Card Rewards Strategy?

Just a heads-up on at least one card application from CApital One. I got a mailer for a Capital One Savor card. Spend $3000 over 3 months, get a $500 reward, with various cash back in several categories. Not really attractive except for the $500 teaser. Tried to activate online and was told it coul...
by ZinCO
Mon Nov 12, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1229

Re: Prepaying for Rental Car - Availability Guaranteed?

I've had it happen twice in my last 3 corporate-rate rentals. Both in-airport, both actually traveling for business (not just using the corporate rate for personal travel), both times arriving late (once with an 11pm scheduled arrival, the other the flight was 4 hours delayed). National and Avis, wi...
by ZinCO
Thu Nov 08, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2439

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Sandi_k wrote:
Thu Nov 08, 2018 1:28 pm
pennylane wrote:
Mon Nov 05, 2018 8:06 am
The e-tron was a flop. Don’t buy that car.
Noted. ;)
Remember though that e-tron name refers to a number of different Audi electric models. The upcoming e-tron SUV has not been released yet but there is far more excitement for this model (as a Tesla X alternative) than for the A3 e-tron.
by ZinCO
Thu Nov 08, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: United MileagePlus - Confused and looking for cheaper options
Replies: 26
Views: 2200

Re: United MileagePlus - Confused and looking for cheaper options

Too late now, but your 45k Ultimate Rewards (in your CSR account) would have been worth $675 in credit if you had purchased the tickets through the Chase Travel Portal. I think the moral of this story is always have a definitive plan before transferring your points to a travel partner. (Obviously at...
by ZinCO
Thu Oct 11, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665630

Re: What's Your Credit Card Rewards Strategy?

Can you buy Amazon gift cards at an office supply store with no fee? I use my Ink Cash card at Staples to generate 5x UR for Whole Foods gift cards, which are available with no fee for the electronic versions (I avoid the physical ones that involve a fee). I don't see Amazon listed among the gift c...
by ZinCO
Thu Sep 13, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Review
Replies: 15
Views: 1375

Re: Credit Card Review

dwade1109 wrote:
Thu Sep 13, 2018 11:53 am

2) Better option for AA travel than the Aadvantage card (the fee seems steep)
Remember that $99 annual fee gets you free checked bags on AA also. Depending on your status and whether you fly AA for leisure also that may be of value to you.
by ZinCO
Fri Aug 24, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 16
Views: 1253

Re: Barclay Card with American Airlines

It's interesting that American Airlines does not even list the Barclays card as one of the available branded cards on their own web site. Perhaps it's just too new? I have no idea how long the Barclays card has been available (I flew on an AA flight back in April and remember hearing them mention s...
by ZinCO
Thu Jul 26, 2018 5:55 pm
Forum: Personal Investments
Topic: Stock Options - Company Being Acquired
Replies: 7
Views: 809

Re: Stock Options - Company Being Acquired

Went through a similar situation last year, but in our case, the premium (which was not specific to options) disappeared quickly as our share price jumped up to the acquisition price and pretty much stayed there. I exercised and sold my option about a month before closing, missing out on all of $0.1...
by ZinCO
Tue Jul 24, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Galapagos Islands
Replies: 31
Views: 6745

Re: Galapagos Islands

Just came back from there last Monday. Can't tell you anything about Quito as we went through Guayaquil. Water temperature was 71/72 everywhere. Those who wore wetsuits only wore shorties, many of the younger people didn't use them at all. The water is very choppy right now, our boat had 46 guests/3...
by ZinCO
Wed Jul 18, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Booking Intl flight through costco --> Too early/late?
Replies: 5
Views: 1027

Re: Booking Intl flight through costco --> Too early/late?

If you don't have Global Entry, I would suggest using the Mobile Passport app to decrease the time it takes to clear Customs. https://mobilepassport.us/ Thanks for the link. MobilePass is great. Even now, 2+ years after launch, it's so infrequently used that it is often difficult to find signage (o...
by ZinCO
Sat Jun 30, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for private tuition
Replies: 14
Views: 1574

Re: Paying for private tuition

Weighing the same decision here, but here in CO there is no limit to the annual deduction so if nothing else it makes sense to put $10k in and immediately pull it out for the 4.5% tax deduction. (Note that CO's 529 plan has not yet said they will allow using a 529 for K-12 schools so it may be a moo...
by ZinCO
Wed Jun 20, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665630

Re: What's Your Credit Card Rewards Strategy?

when I cancelled my old cap one and went to the new cap one venture, my credit score dropped. I suppose due to checking credit. The credit score drop was likely due to cancelling the old card. Doing so increased your overall utilization which is a primary component of your score (indicator of risk)...
by ZinCO
Fri Jun 01, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: AADvantage Aviator RedWorld Elite MC
Replies: 8
Views: 722

Re: AADvantage Aviator RedWorld Elite MC

b) there is no limit on the number of times you can earn the signup bonus for this card. As such, you can "churn" the card quickly to earn a lot of miles fast. You sure that's true for the Barclay version? Certainly is for the Citi AA card, but I thought Barclay is much stingier. Also, two big bene...
by ZinCO
Wed May 09, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 44
Views: 8178

Re: Best cash-back credit card right now?

I did get an awesome scam benefit from Discover Price Protection on a Black Friday TV at Best Buy, so will likely keep the card around just for that and also in case they have some special offers and I remember to take advantage of them Note that Discover dropped their Price Protection as of Februa...
by ZinCO
Wed May 09, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 44
Views: 8178

Re: Best cash-back credit card right now?

I did get an awesome scam benefit from Discover Price Protection on a Black Friday TV at Best Buy, so will likely keep the card around just for that and also in case they have some special offers and I remember to take advantage of them Note that Discover dropped their Price Protection as of Februa...
by ZinCO
Tue May 08, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: United Mileage Plus CC - worth it?
Replies: 32
Views: 3332

Re: United Mileage Plus CC - worth it?

I've never seen this offer with no bonus at all. Not in the last 4 years at least. Only issue I've ever seen is denying the bonus because the applicant already has one...
by ZinCO
Wed May 02, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Highest muni mm rates
Replies: 10
Views: 1176

Re: Highest muni mm rates

Fidelity's FZEXX is 1.39 today, so better than 1.3 but not as good as Vanguard's. No fee waiver on FZEXX as far as I know.
by ZinCO
Wed May 02, 2018 4:45 pm
Forum: Personal Investments
Topic: Does anyone use Fidelity's FZCXX as a savings account?
Replies: 5
Views: 811

Re: Does anyone use Fidelity's FZCXX as a savings account?

Using FZEXX right now, at 1.39% (but tax-free). Still lower than the Vanguard equivalent, but I run all my bill-pay through Fidelity, and it automatically transfers from FZEXX to cover the payments.
by ZinCO
Sun Apr 15, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Cruises: How to Value Onboard Credit
Replies: 29
Views: 2316

Re: Cruises: How to Value Onboard Credit

On Holland America, OBC can be used for casino credits, which can be cashed out without gambling. Interesting. Can I buy 50 grand of on board credit with my credit card? LOL Looking for some free spend? It is reasonably well known that on some cruise lines, you can buy casino credit with a CC and h...
by ZinCO
Sat Feb 17, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 71
Views: 9868

Re: $12,000 Refrigerator?

Also likely has to do with the size. We bought a house with an 84x48 built-in Viking that needs to be replaced. The choices in that size are very limited (and all $10k+), but redoing the kitchen to accomodate a standard refrigerator size is not exactly a good option either.
by ZinCO
Thu Feb 08, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Rewards Debit Card for Est Qrtly Taxes?
Replies: 13
Views: 730

Re: Rewards Debit Card for Est Qrtly Taxes?

Not debit cards, no. But there are a number of credit cards that return better than the 1.87% fee for using a CC. This has been discussed before in a number of threads.
by ZinCO
Fri Jan 26, 2018 10:15 pm
Forum: Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 25731

Re: I bought a stock today - Redfin (RDFN)

I bought my house through Redfin and I love everything about them. That said, I do not know more about the company than the people that determined that it is worth nearly 2 Billion dollars. Do you, OP, know more than those people? If you do then I think you did the right thing. If you don't, then I...
by ZinCO
Thu Jan 18, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665630

Re: What's Your Credit Card Rewards Strategy?

I'd be weary of signing up for cards purely for the bonus... more open accounts, hurts your credit score, identity theft issues, etc. I have a few I did last year that I should probably close, but keep older cards open. I expected but my score to drop but it went up, not down. It was in the mid- to...
by ZinCO
Wed Jan 17, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2525

Re: London/Paris Trip Questions

But if you have a contactless credit card, you may be able to use that directly as an Oyster substitute instead of buying a separate card. (Tap on entry, tap on exit, your card gets charged for the trip.) As it happens, the Costco Visa is a contactless card, but I never bothered to try it over ther...
by ZinCO
Wed Jan 17, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2525

Re: London/Paris Trip Questions

1. I don't think travel agents are interested in booking that kind of travel anymore, the commissions are close to zero. You are better off doing it yourself unless you are planning to use some really exotic tours or other add-ons to make it worth their while... 2. ATMs work well in Europe, but you...
by ZinCO
Wed Jan 17, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 29421

Re: Muni Money Market funds starting to look good!

For those watching the bouncing ball, your muni fund yield has likely fallen off a bit. Yup, looks like they are all lower than when this thread started. So far it still works better than a savings account after taxes. So far. Oh well, it was nice while it lasted. :sharebeer But still well above No...
by ZinCO
Wed Jan 17, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2525

Re: London/Paris Trip Questions

Oh, and take the Chunnel from London to Paris... Can be quite inexpensive if you book 3 months in advance, but quite the opposite if you think you are going to buy tickets at St Pancras when you depart.
by ZinCO
Wed Jan 17, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 2525

Re: London/Paris Trip Questions

1. I don't think travel agents are interested in booking that kind of travel anymore, the commissions are close to zero. You are better off doing it yourself unless you are planning to use some really exotic tours or other add-ons to make it worth their while... 2. ATMs work well in Europe, but you'...
by ZinCO
Tue Jan 16, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)
Replies: 8
Views: 1277

Re: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)

I recommend taking a look at a Fidelity Cash Management Account. It's effectively a checking account with regard to direct deposit, billpay, and chekc writing. The secret sauce is that you can invest within the account. E.g., you can put together an automatic CD ladder right within the account. Or ...
by ZinCO
Sun Jan 14, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1908

Re: "EBATES" - For real, or scam ?

Between Ebates and BeFrugal (a similar service), I got over $800 back last year, but we do buy a lot online and I never purchase anything without checking cashbackmonitor first.
by ZinCO
Sun Jan 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1908

Re: "EBATES" - For real, or scam ?

Very real. I seldom see any exclusions, except the aforementioned gift cards (even then they don't always get excluded properly). They have also added an in-store option where you will get cash back when they see a registered card number used at one of their participating merchants (you have to regi...
by ZinCO
Tue Jan 09, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 49
Views: 3598

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

Be aware that a Bayern ticket restricts you to local and regional trains. Those take from 50% to 100% longer than the faster trains that run at least hourly. Bayern tickets also restrict you to departing after 9:00 so you won't arrive in most places until later in the morning. The 9:00 restriction ...
by ZinCO
Thu Jan 04, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 1502

Re: 1098 from B of A, box 7 not checked

Chase did the same thing to me last year. Explanation from them was that checking box 7 was "optional"...
by ZinCO
Thu Jan 04, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card with Good Bonus for Car Rentals?
Replies: 9
Views: 631

Re: Credit Card with Good Bonus for Car Rentals?

Why don't you just book the rental with UR through the Chase Portal? I hear their rates can be quite competitive but have never done it myself. Not a bonus like you are looking for, but you would still end up with a rental with no out-of-pocket costs.
by ZinCO
Tue Jan 02, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 29421

Re: Muni Money Market funds starting to look good!

And today Municipal Money Market (VMSXX) has jumped to 1.40%. Is there a graph anywhere of yield vs time?
by ZinCO
Thu Dec 28, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 3972

Re: Applying for financial aid with high income

Why are you filling out the FAFSA if the school does not require it for merit money? Are you thinking you might be eligible for more? I'm genuinely curious, about to be in the same boat in a couple months...