Search found 63 matches

by ZinCO
Mon Nov 12, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1191

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: 2359

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: 2086

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: 3051
Views: 597017

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: 1326

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: 1228

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: Investing - Help with Personal Investments
Topic: Stock Options - Company Being Acquired
Replies: 7
Views: 779

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: 6670

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: 1007

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: 1539

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: 3051
Views: 597017

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: 680

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: 42
Views: 5774

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: 42
Views: 5774

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: 3228

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: 1104

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: Investing - Help with Personal Investments
Topic: Does anyone use Fidelity's FZCXX as a savings account?
Replies: 5
Views: 707

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: 2091

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: 9575

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: 698

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: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 24939

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: 3051
Views: 597017

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: 2461

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: 2461

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: 28029

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: 2461

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: 2461

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: 1198

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: 1796

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: 1796

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: 3520

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: 539

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: 585

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: 28029

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: 3869

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...
by ZinCO
Thu Dec 28, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 45
Views: 5029

Re: Paying taxes with credit card?

I just realized, this is the last year I (and many others) will be itemizing. Since the 1.87% fee for making a federal tax payment is tax deductible, this makes a last-minute payment of your liability via cc before 2018 just a bit more advantageous. As my marginal tax rate is close to 40% the actua...
by ZinCO
Thu Dec 28, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 28029

Re: Muni Money Market funds starting to look good!

"VCTXX has an SEC yield of 1.14%, but the distribution yield was 0.76% in November" was given as an example by another poster. Is the month to month change likely to be be so large that the 1 mo. distribution yield changes this much in 1 month....by 0.3%+ Yes. As I mentioned back at the beginning o...
by ZinCO
Wed Dec 27, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 28029

Re: Muni Money Market funds starting to look good!

I am reasonably sure that last week VMSXX was 1.07%. I almost posted about it because I hadn't noticed myself that it had increased from the 0.7% it yielded back in November or so.
by ZinCO
Fri Dec 22, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 for grade school- help with strategy
Replies: 45
Views: 4832

Re: Using 529 for grade school- help with strategy

Not relevant to OP since they are not a CO resident, but CO has long had a pass-thru loophole where they allow an unlimited deduction for CO 529 contributions (for residents of course), and the money can be withdrawn next day for qualified expenses. Sort of an automatic 4.5% discount for any seconda...
by ZinCO
Thu Dec 14, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 2055

Re: Need to find a Used/Refurbished Macbook Air

I believe refurbs from the Apple site come with new batteries (typing this on my 13-inch mid-2011 refurb Air, although I admit I did replace the battery earlier this year) Sorry, I'm wrong. iPhones and iPads include new batteries, laptops apparently do not. Nevertheless the battery on my Macbook Ai...
by ZinCO
Thu Dec 14, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 2055

Re: Need to find a Used/Refurbished Macbook Air

I believe refurbs from the Apple site come with new batteries (typing this on my 13-inch mid-2011 refurb Air, although I admit I did replace the battery earlier this year)
by ZinCO
Thu Dec 14, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of america preferred rewards program
Replies: 16
Views: 3522

Re: Bank of america preferred rewards program

Both owners are credited with the preferred tier of the total on deposit. Put $100k in a joint account, and both of you can get credit cards under your name only with Platinum-level rewards.
by ZinCO
Thu Dec 14, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 2055

Re: Need to find a Used/Refurbished Macbook Air

I've bought at least four refurbished Macbooks (including two Airs) from the apple.com site over the years. Never had a problem with any of them. The stock changes daily, so if you don't see a model/configuration you like today, try again tomorrow...
by ZinCO
Wed Dec 06, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3051
Views: 597017

Re: What's Your Credit Card Rewards Strategy?

I write a big rent check every month. My apartment management accepts credit cards @ 2.25% for Visa, 3% for Amex. I'm not angling for any bonuses right now, but trying to think of a scenario where it might be a net gain to pay by credit card. I have Amex Blue Business, but that would a loss I think...
by ZinCO
Mon Dec 04, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 3569

Re: Umbrella liability insurance policy to match portfolio size?

You can get a separate umbrella policy with a different company, but it may cost a little more. I had progressive auto for years, then switched to GEICO. Once I left progressive, when the umbrella policy with progressive came up for renewal, they would not renew it if you don't have an auto policy....
by ZinCO
Mon Dec 04, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 3569

Re: Umbrella liability insurance policy to match portfolio size?

You can get a separate umbrella policy with a different company, but it may cost a little more. I had progressive auto for years, then switched to GEICO. Once I left progressive, when the umbrella policy with progressive came up for renewal, they would not renew it if you don't have an auto policy....
by ZinCO
Mon Dec 04, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 4652

Re: Understanding the World of Credit Card "Points"

Probably. If you have Preferred Rewards at BOA, you should definitely be using either the Cash Rewards or Travel Rewards CC, and NOT a debit card. You'll get no rewards at all from the debit card as far as I know.
by ZinCO
Mon Dec 04, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: VPN user -- can Vanguard remember my computer?
Replies: 4
Views: 676

Re: VPN user -- can Vanguard remember my computer?

It is cookie-based. Perhaps you are using incognito mode or otherwise blocking cookies? VPN should not make a difference in this case.
by ZinCO
Mon Dec 04, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 4652

Re: Understanding the World of Credit Card "Points"

I did play the credit card games once I retired because I finally had the time to keep track of them. But the minute I harvested the bonus points, I closed the card and I also use the points. Right now I only have points on British Airways. But I must say, it has been profitable. My kids and their ...
by ZinCO
Mon Dec 04, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Should I consider a travel Credit Card?
Replies: 44
Views: 8177

Re: Should I consider a travel Credit Card?

You are probably thinking of the Fidelity DEBIT card, which is one of the best for overseas ATM access (all fees reimbursed etc). Assumes of course you have a Fidelity CMA account (maybe works with other Fidelity accounts with a cash balance, not sure).