Search found 146 matches

by ZinCO
Wed Jan 20, 2021 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 125
Views: 43635

Re: Primer on Paying Taxes With a Credit Card

Remember also that each processor will only allow you to use 2 cards per quarter, so you are limited to $6k when using $1k debit cards.
by ZinCO
Mon Jan 18, 2021 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 125
Views: 43635

Re: Primer on Paying Taxes With a Credit Card

Going back to my original question, what is the card that gives you more for paying taxes (for any payment processor). Right now I'm using BoA Travel rewards w/ Plat Honors (1.5%*1.75% = 2.625%)? That's always been my choice (and/or BoA Premium Rewards w/ Plat Honors, which is also 2.625%). The one...
by ZinCO
Tue Jan 12, 2021 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 125
Views: 43635

Re: Primer on Paying Taxes With a Credit Card

So each processor can classify the payment under a different category? How to know in advance? Assuming you are talking about the BoA Cash Rewards card, I believe they start with any charge with Card Not Present (implies online or I guess phone order), then they have a long list of exclusions to dr...
by ZinCO
Tue Jan 12, 2021 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 125
Views: 43635

Re: Primer on Paying Taxes With a Credit Card

international001 wrote: Tue Jan 12, 2021 12:18 pm bump

Would BoA Cash rewards work with online category? It's 3%*1.75 = 4.5% with platinum honors
Did not work for me this week. Only got 1%*1.75 for my state taxes (which do not use any of the Fed processors, so it's still possible...)
by ZinCO
Tue Jan 05, 2021 11:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2745
Views: 437135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Just moved a mutual fund into E-Trade last week. It came in as a mix of covered and uncovered lots, which is what I was expecting. I think that's a feature of ACATS, does anybody know for sure?
by ZinCO
Sun Jan 03, 2021 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: What are you doing with credit points/bonuses? Best alternatives?
Replies: 35
Views: 1657

Re: What are you doing with credit points/bonuses? Best alternatives?

OP, are you sure they are going to expire? Citi TYP, AA, and UA don't expire at all if you have (not necessarily use) a card that earns those points, and I believe AA and UA both postponed any expiration of their points due to Covid. And even if they are on an expiration schedule, you only need one ...
by ZinCO
Thu Dec 24, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2745
Views: 437135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was able to enroll in this E*TRADE offer for existing customers that is discussed upthread. https://us.etrade.com/promo/5000cfc-combined I've got about 80k in a Roth account and around 120k in a taxable account that is not tied up earning me a bonus someplace. The T&C of this offer only talk ...
by ZinCO
Wed Dec 23, 2020 12:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2745
Views: 437135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was able to enroll in this E*TRADE offer for existing customers that is discussed upthread. https://us.etrade.com/promo/5000cfc-combined I've got about 80k in a Roth account and around 120k in a taxable account that is not tied up earning me a bonus someplace. The T&C of this offer only talk ...
by ZinCO
Wed Dec 23, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2745
Views: 437135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

did merrill allow you to deposit funds into existing accounts or did you have to open an additional account? thanks I opened new accounts. Accounts from previous bonus were all closed. Weren't you considered a new customer then? Or do you have other open accounts with ME? Asking because I'm looking...
by ZinCO
Thu Dec 17, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do bogleheads optimize credit card rewards?
Replies: 70
Views: 4664

Re: How do bogleheads optimize credit card rewards?

I was just thinking about my credit cards 5% 'grocery' cash back, and my need to hit spending limit for new account bonus. Anyone know if buying a Amazon.com gift card at a grocery store will qualify as 5% 'grocery' category? ... I think I'm going to test that :twisted: :greedy :happy Careful if it...
by ZinCO
Thu Dec 17, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: Looking at the Dodge & Cox family performance relative to its own benchmarks
Replies: 37
Views: 3557

Re: Looking at the Dodge & Cox family performance relative to its own benchmarks

From memory and subject to bias, but my impression is that some D&C funds have paid out quite substantial capital gains in some years. But perhaps not out of proportion to other actively managed funds. I strongly suspect that tax-adjusted returns would strongly affect the comparisons for most i...
by ZinCO
Thu Dec 17, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Apple Macbook Air 2020 discounted
Replies: 35
Views: 3054

Re: Apple Macbook Air 2020 discounted

PinotGris wrote: Thu Dec 17, 2020 9:49 am Has anyone bought a refurbished Macbook Air directly from Apple? Or a trusted place?
Every three years like clockwork. They come with new cases, keyboards, and batteries (IIRC). Never had a problem with them. I'll probably buy an Apple M1 refurb next year.
by ZinCO
Tue Dec 15, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2745
Views: 437135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I had a land sale closing, and was shopping some brokerage bonuses. On the E Trade one, $1 mil for $3500 , I guess you have to be specifically targeted for it? https://us.etrade.com/promo/3500cfc-combined Wondering is there a way to get emailed this offer and be targeted? Just seems really odd to m...
by ZinCO
Tue Dec 08, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Bank of America® Cash Rewards Credit Card
Replies: 11
Views: 1351

Re: Bank of America® Cash Rewards Credit Card

You may want to double-check and make sure you're getting the 3% for those tax bills paid online. My understanding is anything tax related (even if paid online) is excluded from the online category. Different than my experience with Premier Rewards: 11/15/2020 11/16/2020 L2G*US TREAS TAX PYMT 888 -...
by ZinCO
Sun Dec 06, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)
Replies: 49
Views: 5834

Re: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)

Is this only available online. Would love to just go into target and pick one up. You should be able to do it in-store, the only requirement is that you load the offer in your Target Circle app first. But that's true whether in-store or online. For me I load the cards in my Target app anyway, so no...
by ZinCO
Sun Dec 06, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)
Replies: 49
Views: 5834

Re: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)

What does it mean when it says "one time use"? Do you have to use the full value of the gift card when you present it? So if I get 5 x $100 cards, each one is valid for only one use? No, means you can only get the 10% discount on one gift card purchase, up to $500. You can use the gift ca...
by ZinCO
Fri Nov 27, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 143
Views: 5895

Re: What charity are you donating to this Christmas season?

Will be loading up my DAF again this December. Outgoing funds will go to: Samaritan's Purse Feeding America Trout Unlimited Backcountry Hunters & Anglers Organization for Autism Research I have to ask my employer, but are companies' match also applicable for donations through DAF? I just went t...
by ZinCO
Wed Nov 25, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 143
Views: 5895

Re: What charity are you donating to this Christmas season?

Will be loading up my DAF again this December. Outgoing funds will go to: Samaritan's Purse Feeding America Trout Unlimited Backcountry Hunters & Anglers Organization for Autism Research I have to ask my employer, but are companies' match also applicable for donations through DAF? I just went t...
by ZinCO
Wed Nov 25, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 63
Views: 9174

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

So just to add my datapoint to this thread... The frontline rep said she could not see any offers on my CSR, but offered to send me to a Senior rep if I was thinking about canceling. I let her do that, the new rep asked if I was considering canceling, then old me the offers are based on other relati...
by ZinCO
Tue Nov 24, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: $50 statement credit offer for BoA Premium Rewards card
Replies: 19
Views: 1311

Re: $50 statement credit offer for BoA Premium Rewards card

I use my BOA premium rewards visa almost daily. I didn't receive the offer that you all did. Feeling so valued right now...... :confused I never received the offer either, and I also use the card daily (as do my two AU's). However went digging back through old charges and found they had credited me...
by ZinCO
Tue Nov 17, 2020 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Amex platinum card with sign-up bonus, good deal?
Replies: 21
Views: 1829

Re: Amex platinum card with sign-up bonus, good deal?

I was offered this credit card, which I could use to pay property taxes of about $8,000. It looks like I could come out about $1,100 ahead eventually but involves some effort. Is this a good deal? It should be a GREAT deal for you and anyone else who qualifies. How much is 125k MR worth to you? Tho...
by ZinCO
Tue Nov 10, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: "Quality" LED bulbs
Replies: 36
Views: 2268

Re: "Quality" LED bulbs

They are reasonably priced, and 4-packs, for example, are really inexpensive per unit. They have eight inches of empty space above them to dissipate heat. They install without tools, but do require a small amount of do-it-yourself mechanical aptitude. Most have springy toothed fingers that jam insi...
by ZinCO
Fri Nov 06, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: PSA -- Equifax changed the credit unfreeze/thaw process
Replies: 5
Views: 814

Re: PSA -- Equifax changed the credit unfreeze/thaw process

It sends me to the same my.equifax.com site that it has for a couple years (which hasn't worked for me for the last 9 months; no surprise it doesn't work today either). There are other threads about people like me whose account at Equifax cannot be used. I assume that's the login/account you are ref...
by ZinCO
Tue Nov 03, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660547

Re: Refinance Mega Thread

Closed yesterday on $510,400 in CO, 10-year, 2.125%, no escrow, less than $1k cost. Coming from 15-year 3.5% with one of the big banks. 45 days from application to closing. This was with Sebonic, whom I rarely see mentioned here, but the process was really smooth.
by ZinCO
Sat Oct 24, 2020 8:49 pm
Forum: Investing - Theory, News & General
Topic: E-Trade Bonus Offer
Replies: 10
Views: 1293

Re: E-Trade Bonus Offer

beyou wrote: Sat Oct 24, 2020 1:23 am Etrade has been doing this for years.
Unfortunately not everybody is getting that offer. I have a large mutual fund stake that I'm looking to move to any of my current brokerages, and none of them are currently offering me a bonus to add to existing accounts...
by ZinCO
Fri Oct 23, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660547

Re: Refinance Mega Thread

What are the potential dangers of locking with a second lender (Lender B) in the final stages of closing with first lender (Lender A)? Lender A is doing a great job with quick turnaround and I anticipate closing in next 14 days. Will lower my rate and pocket around $1,200 after all closing costs an...
by ZinCO
Fri Oct 23, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4970
Views: 950906

Re: What's Your Credit Card Rewards Strategy?

BOA PR Online Shopping 5.25% (3% * 1.75%) No Annual Fee Grocery Stores + Wholesale Clubs 3.5% (2% * 1.75%) Everything Else 1.75% (1% * 1.75%) $2500 limit per quarter on combined Online Shopping + Grocery Stores & Wholsesale Clubs Note 3% Categories can be changed monthly (Online Shopping, Resta...
by ZinCO
Fri Oct 16, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Itunes Gift Cards, where to get a deal?
Replies: 7
Views: 816

Re: Itunes Gift Cards, where to get a deal?

They don't really exist anymore. They were recently merged with Apple Store gift cards, and can now be used to purchase apple products (not just media and apps in iTunes). For that reason I wouldn't expect to see much in the way of discounts going forward. That makes sense. Thank you! Last year on ...
by ZinCO
Wed Oct 14, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Itunes Gift Cards, where to get a deal?
Replies: 7
Views: 816

Re: Itunes Gift Cards, where to get a deal?

They don't really exist anymore. They were recently merged with Apple Store gift cards, and can now be used to purchase apple products (not just media and apps in iTunes). For that reason I wouldn't expect to see much in the way of discounts going forward.
by ZinCO
Thu Oct 08, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Improving home office setup: 1) monitor 2) webcam/audio
Replies: 30
Views: 1831

Re: Improving home office setup: 1) monitor 2) webcam/audio

https://www.amazon.com/Plantronics-Calisto-P7200-Speaker-System/dp/B07DCDKB2C/ref=sr_1_4?dchild=1&keywords=Polycom+voxbox&qid=1602172801&sr=8-4 OP, I have a Plantronics Speakerphone. It is well worth the money. KlangFool I second this... Have an older Plantronics Calisto (P420 from 6 ye...
by ZinCO
Mon Oct 05, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2745
Views: 437135

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Historically I have not gone after brokerage bonuses, and I may have missed out on the good ones (although I used to clean up on the Fidelity 50k United miles per year x2 for joint accounts, before that program got canceled). I have a mid-6-figure mutual fund account with its sponsor company (bought...
by ZinCO
Mon Oct 05, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Pay Yourself Back
Replies: 46
Views: 6652

Re: Chase Sapphire Pay Yourself Back

DW just applied and was approved for Chase Sapphire Preferred card. 80,000 UR points after spending $4,000 in the first 90-days. Once earned, these UR points will be transferred to (pooled with) my account where I can use them to harvest $1,200 in Pay Yourself cash back (actually $1,260 assuming th...
by ZinCO
Mon Oct 05, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Pay Yourself Back
Replies: 46
Views: 6652

Re: Chase Sapphire Pay Yourself Back

DW just applied and was approved for Chase Sapphire Preferred card. 80,000 UR points after spending $4,000 in the first 90-days. Once earned, these UR points will be transferred to (pooled with) my account where I can use them to harvest $1,200 in Pay Yourself cash back (actually $1,260 assuming th...
by ZinCO
Sat Oct 03, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Pay Yourself Back
Replies: 46
Views: 6652

Re: Chase Sapphire Pay Yourself Back

BlackcatCA wrote: Sat Oct 03, 2020 10:39 am I used PYB to clear most of my points, then downgraded to one of the Freedom cards before the renewal charge.
I assume I can apply a CSP/R again when international travel is allowed again. Does anyone know how long is the wait period before I can apply again?
Four years since the bonus posted.
by ZinCO
Sat Oct 03, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4970
Views: 950906

Re: What's Your Credit Card Rewards Strategy?

Yes, already used up most of points that way. Didn’t realize pay yourself back was only for CSR but it’s ok I’ll just collect points for now. Thanks! Sorry, I should have been more clear. PYB is available for the CSP and Freedom, but at lower redemption values or fewer categories. You will lose acc...
by ZinCO
Fri Oct 02, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4970
Views: 950906

Re: What's Your Credit Card Rewards Strategy?

Quick question for Chase cards users.. So I currently have CSR/Unlimited/Freedom combo and thinking of canceling CSR for the time being until travel resumes next year (fingers crossed). The next year fee just got charged so the next 30 days is a good time to cancel the card. Once the travel resumes...
by ZinCO
Fri Oct 02, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4970
Views: 950906

Re: What's Your Credit Card Rewards Strategy?

Thanks for the reminder here on signing up for the Freedom Paypal and Walmart promotion for 4th quarter. I see that's cash back....for some reason I thought we used to be able to earn 4X in UR points for the quarterly promotion - or am I thinking of another Chase card? or another bank even? LOL Fre...
by ZinCO
Mon Sep 28, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Locked out of Equifax
Replies: 31
Views: 6628

Re: Locked out of Equifax

Finally called them to get my online access restored. They couldn't do it over the phone, and told me I had to write a letter. Then clarified I could fax a copy of my SSN card and DL to 888-826-0725. But he was able to unfreeze me over the phone. :x Similar, except I've faxed that data three times ...
by ZinCO
Sun Sep 20, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Google voice device ?
Replies: 25
Views: 1590

Re: Google voice device ?

While I use GV for one number, my main home number is with Voip.ms, which is another VoIP service that costs me almost nothing and is standards-based unlike Google Voice. Once a year I put $20 in my account and don't think about it again until next year. Using it with the Obi202. However... if you a...
by ZinCO
Sat Sep 19, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660547

Re: Refinance Mega Thread

Locked this week for $510k, 10y, at 2.125%. Really didn't have to push very hard either. I had posted months ago that I would try to ask Chase for a payoff letter, to see if that would spur them to offer a lower rate... didn't work for me. No response. Oh well... I would have accepted about anything...
by ZinCO
Sun Aug 02, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 92
Views: 9407

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

BlackcatCA wrote: Sun Aug 02, 2020 2:31 pm Is it possible to use UR points to cover the annual fee? Can I use the “pay yourself” feature for it?
Not directly, but spend $450 on grocery (1x) or dining (3x) and pay-yourself-back on those expenses instead.
by ZinCO
Sat Jul 25, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)
Replies: 20
Views: 2737

Re: Marriott/Hilton upgrades not available when booking through third-party websites (and credit card comparison)

As described, one can get either 5x points or status perks but not both for any one stay. So what do people do? Forget about the upgrade? Pay for it themselves? Calculate for each trip the relative value of the points vs status benefits? A lot of us would use the co-branded card instead. In the cas...
by ZinCO
Sun Jul 05, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Chase IHG - pay $49 annual fee or cancel?
Replies: 34
Views: 2383

Re: Chase IHG - pay $49 annual fee or cancel?

I think I read that Chase is no longer offering the IHG card on the terms we have, so that would, I suppose, be a reason to think twice before cancelling. We do have about 200,000 points between us (split maybe ~120,000 and ~80,000). If we cancel the cards, I think we would keep the points, right? ...
by ZinCO
Sat Jun 13, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49580

Re: JPM Chase Reserve Card gets more expensive

Question for all you Chase ultimate rewards wizards I have a purchase I need to make at Home Depot that will cost about $15k. I have about 600k UR points and that is after redeeming for cash for previous grocery store purchases. Numbers rounded for simplicity. I have 3 options on how to pay for it ...
by ZinCO
Sat May 30, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8096

Re: does anyone have a subscription to youtube tv?

I think it’s a bit of a stretch to call the largest, most profitable companies in the world a “victim” here. :D As it stands for services like YTTV, Netflix, HBO, etc. they are doing the absolute bare minimum required to police this. These are the most technologically advanced companies on the plan...
by ZinCO
Fri May 29, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660547

Re: Refinance Mega Thread

My current mortgage is with Chase and I thought I'd also let them compete to keep my business but I'm not sure where exactly go in the Chase borg to get a refi estimate. A number of folks have been pleasantly surprised by a random mailing from Chase for a rate modification at no fee about 1-2 weeks...
by ZinCO
Thu May 28, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8096

Re: does anyone have a subscription to youtube tv?

Hum, How do you watch OnDemand shows in YouTube TV ? I thought you always have to record it - aka - Put it in your own Library Please let me know how to access OnDemand in YTTV The detail card for any show will have all available VoD episodes on it. If you have added it to your library, it will ALS...
by ZinCO
Wed May 27, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8096

Re: does anyone have a subscription to youtube tv?

madbrain wrote: Wed May 27, 2020 1:22 am I tried it. New CBS shows had commercials that couldn't be skipped ! Some DVR. This is apparently working as designed.
I cancelled it before the end of the trial due to this.
That was a contractual requirement for CBS specifically, and was removed on December 3 2019.
by ZinCO
Tue May 26, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo Loan Market still frozen
Replies: 11
Views: 1233

Re: Jumbo Loan Market still frozen

Appreciate the tip - I have a specific Chase Mortgage Advisor that did a number of mortgages for me during a couple of my Big Oil relocations - I'll reach out to him. Just note that the rate mod program is unadvertised and people calling and asking (likely the regular CS #) have not been offered it...