Search found 291 matches

by giesen5
Fri Nov 30, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I recently did something that I didn't realize was possible to meet a signup bonus. Throwing this out there in case it helps anyone. I picked up the AMEX Hilton Honors Aspire in early September with the bonus of 150K points for $4K in spend. 1 month later, I picked up the Chase IHG Rewards Club Pre...
by giesen5
Mon Nov 19, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I heard Cap One will pull from any one of the three CRA's. So if your reports are frozen, it appears applying for this card will require all three CRA's to be unfrozen. :( If I remember correctly from when I opened a Quicksilver card a few years ago, Capital One does a hard pull on all three credit...
by giesen5
Thu Sep 20, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Brand new benefits for the Amex Premier Rewards Gold card being rolled out, looks like a strong competitor to the Chase Reserve (from reddit, https://www.reddit.com/r/churning/comments/9hgfnc/amex_prg_revamped_4x_on_restaurant_and_grocery/): $120 Dining Credit: You get $10 monthly dining credit ava...
by giesen5
Thu Sep 20, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Brand new benefits for the Amex Premier Rewards Gold card being rolled out, looks like a strong competitor to the Chase Reserve (from reddit, https://www.reddit.com/r/churning/comments/9hgfnc/amex_prg_revamped_4x_on_restaurant_and_grocery/): $120 Dining Credit: You get $10 monthly dining credit avai...
by giesen5
Sat Jul 07, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 6416

Re: Going solar?

WA state resident. Got solar two years ago - 5.5 year break even plan. Did it for mostly environmental reasons, our electricity bill averages $60/mo.
by giesen5
Thu Jul 05, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6962

Re: Trip to Hawaii - what do I need to know

Big trip is about a week away. Any of you Big Islanders have suggestions on where we can see the lava? Not going to do helicopter or boat, but do have a rental car. I know we can't get close and that is okay.
by giesen5
Thu Jun 07, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6962

Re: Trip to Hawaii - what do I need to know

Thanks! We are staying on the Kohala Coast, so that would be nice.
by giesen5
Wed Jun 06, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6962

Re: Trip to Hawaii - what do I need to know

Any suggestions on helicopter tour companies on the Big Island? Heading there in July, of course want to see the active lava flows.
by giesen5
Thu May 17, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Chase Sapphire Reserve for travel, dining, parking, etc. Then Chase Freedom if it's in the 5% Then Chase Freedom Unlimited for everything else. Then I pool the ultimate rewards into the CSR card for hotel/flights. Seems to work OK for now. That is a very simple and easy plan to follow. I am doing t...
by giesen5
Tue Apr 10, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I am hitting the Citi AA credit cards pretty hard. Wife and have each opened four in the past 5 months - 2 personal and 2 business each. We will have about 500,000 miles combined. Citi seems to be the last issuer that allows the old style churning, but you have to use the 9 digit mailers in order t...
by giesen5
Tue Apr 10, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I am hitting the Citi AA credit cards pretty hard. Wife and have each opened four in the past 5 months - 2 personal and 2 business each. We will have about 500,000 miles combined. Citi seems to be the last issuer that allows the old style churning, but you have to use the 9 digit mailers in order to...
by giesen5
Mon Apr 02, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Some rumors with legs: 1. Chase IHG card is changing, maybe nixing the free anniversary night: https://www.doctorofcredit.com/chase-ihg-card-no-longer-available-on-chase-site-possibly-being-discontinued-replaced/ 2. The Barclaycard Arrival Plus is changing: https://www.doctorofcredit.com/rumor-barc...
by giesen5
Mon Mar 26, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Some rumors with legs: 1. Chase IHG card is changing, maybe nixing the free anniversary night: https://www.doctorofcredit.com/chase-ihg-card-no-longer-available-on-chase-site-possibly-being-discontinued-replaced/ 2. The Barclaycard Arrival Plus is changing: https://www.doctorofcredit.com/rumor-barcl...
by giesen5
Sun Feb 25, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3762

Re: Rome-Florence-Venice-Prague summer vacation

Check out this link: viewtopic.php?t=196056

It was advice I received on this board, have two kids, but most of it would be helpful to you.

Have a great time!
by giesen5
Tue Jan 30, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 7372

Re: Frequent Flier Miles 101

This is another good thread to wade through, all about credit card reward strategies: viewtopic.php?t=192008
by giesen5
Fri Jan 26, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Just decided to pay my own insurance and taxes for my home - I'm sick of not being in charge of paying my own bills and the bank always seems to ask me for more money every year for escrow. I can also make a little bit of money putting these funds in a savings account - additional bonus is that I ca...
by giesen5
Tue Jan 23, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Sign Up Bonuses/Offers
Replies: 8
Views: 1554

Re: Sign Up Bonuses/Offers

It really is a money making machine, especially if you have $10k that you can pop in and out of bank accounts. I don't have that type of money on hand, but still was able to make $5000 in bonuses last year. Many were nationwide bonuses. I live in WA state which does not have as many bonuses, so if y...
by giesen5
Mon Jan 22, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Considering solar on my home
Replies: 18
Views: 1993

Re: Considering solar on my home

Facts: WA state. According to this map, we are in the “1300” region https://solarpowerrocks.com/buying-solar/how-to-calculate-the-amount-of-kilowatt-hours-kwh-your-solar-panel-system-will-produce/ Federal tax credit: 30% State tax credit: 21 cents per kWh generated for 8 years up to 12 kW size syst...
by giesen5
Fri Jan 19, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

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 giesen5
Wed Dec 20, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

My wife and I have a trip to Australia coming up in a few months. Flying business class both ways and staying in 5 star hotels every night. Paid for all of it with points. 160k AA miles 195k Korean miles 72k Hyatt points 135k Hilton points 1 IHG free night certificate Taxes on the flights were mini...
by giesen5
Wed Dec 13, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 124
Views: 13567

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Thesaints wrote:
Wed Dec 13, 2017 6:35 pm
Next time don’t go to Rome in july...

How did you guys like Naples ?
School teacher wife, no other options.

Naples was just an overnight, but we did walk around the city quite a bit. We liked it.
by giesen5
Wed Dec 13, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 124
Views: 13567

Short trip report

Hey everyone, thought I would give you a brief rundown of how the trip went, mostly through the eyes of my teenagers. Of the five places we went, the kids would rate them this way: 1. Amalfi Coast - by far their favorite place. We were in Rome just before and it was hot as hell and they really wante...
by giesen5
Sat Oct 07, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 42
Views: 7541

Re: personal capital

Like others, I use the dashboard and love love love that feature.
by giesen5
Tue Oct 03, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I’ve already maxed those out, too bad. Feeling a bit of a stalemate right now.
by giesen5
Tue Oct 03, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Wife and I just applied for the Capital One Spark Cash (business) card. I am something like 24/24 and she is 16/24. Both denied, waiting for the letter explaining why, but it has to be too many inquires. We are 800+ FICO. Anyone else having trouble getting this card? I am nervous that all companies...
by giesen5
Tue Oct 03, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Wife and I just applied for the Capital One Spark Cash (business) card. I am something like 24/24 and she is 16/24. Both denied, waiting for the letter explaining why, but it has to be too many inquires. We are 800+ FICO. Anyone else having trouble getting this card? I am nervous that all companies ...
by giesen5
Mon Sep 18, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Interesting news about Barclaycard Arrival +. https://www.doctorofcredit.com/is-barclay-denying-those-with-many-new-accounts-similar-to-524-contribute-data-points-here/ Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and ...
by giesen5
Mon Sep 18, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Interesting news about Barclaycard Arrival +. https://www.doctorofcredit.com/is-barclay-denying-those-with-many-new-accounts-similar-to-524-contribute-data-points-here/ Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and ...
by giesen5
Sat Sep 09, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I made a rookie application mistake, but somehow it worked out. I was looking at my spreadsheet to see when I had canceled my Alaska business card. Instead of looking at the "canceled" column I looked at the "opened" column. Great, I closed that card in January, should be pretty easy to get again! H...
by giesen5
Tue Aug 29, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Credit card bonus award rules
Replies: 12
Views: 2038

Re: Credit card bonus award rules

Chase just changed the rules on the Sapphire family of cards:

https://www.doctorofcredit.com/official ... imitation/
by giesen5
Mon Aug 28, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 16940

Re: I ran out of credit card signups bonus...

I'm just curious, For those churners out there who are willing to share, Historically how much upfront rewards do you typically pull in for year? I never really realized it could be as lucrative as it is with some of these bonuses at $500+ a pop. I'm not ready to start churning but I may start doin...
by giesen5
Mon Aug 28, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 16940

Re: I ran out of credit card signups bonus...

Have you tried it multiple times with the Barclay AAviator card? I just read on their website and the fine prints reads "This offer is available to new cardmembers only" for this exact card.. If you close the card and open a new one you are a new card member. I don't really care about AA miles, but...
by giesen5
Mon Aug 28, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 16940

Re: I ran out of credit card signups bonus...

student wrote:
Mon Aug 28, 2017 12:11 pm
I suggest visiting doctorofcredit.com on a a regular basis.
This, this, this. Doctor of Credit is an amazing site, great insight in comments on the posts, too. Whenever a new card comes out they are all over it.
by giesen5
Wed Aug 23, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

My husband has a small consulting business since he retired. It's practically dormant. But I have the EIN number, I've applied to a bunch Amex business cards. In short, I don't think it's a problem. Thanks, but I don't have an EIN number. Not sure if that matters and I could perhaps apply for an EI...
by giesen5
Wed Aug 23, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

My husband has a small consulting business since he retired. It's practically dormant. But I have the EIN number, I've applied to a bunch Amex business cards. In short, I don't think it's a problem. Thanks, but I don't have an EIN number. Not sure if that matters and I could perhaps apply for an EI...
by giesen5
Wed Aug 23, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. I got an invitation to apply for the Amex Business Platinum Card. I can't really grasp how attractive the card would be, though on the face of things it looks good: 100k with $5,...
by giesen5
Mon Aug 07, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: CC strategy for Europe flight next summer
Replies: 19
Views: 1909

Re: CC strategy for Europe flight next summer

Hi All, I am confused with CC miles and other airline points. I have the Capital One Venture CC which gives you "face value" points (2x for EVERY 1$), which is nice, but I know there are cheaper ways to fly. I want to collect points for next summer's trip for 4 to Europe. I'm in DFW, where American...
by giesen5
Mon Aug 07, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5574

Re: 403b provider choices

FiveK wrote:
giesen5 wrote:Just checking in to see if anyone else has had luck with NEA DirectInvest?
There is some discussion of this in Great 403b for teachers? - Bogleheads.org.
Oh right! Forgot about that thread, thanks.
by giesen5
Sun Aug 06, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5574

Re: 403b provider choices

Just checking in to see if anyone else has had luck with NEA DirectInvest? I'm starting communication with their reps (I've sent an email) to see what the process is for getting them into my wife's district plan. She has maxed out the Wa State 457 plan - thanks to you all that pointed that out, it i...
by giesen5
Fri Aug 04, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished with the minimum spend. Checking back in. Did receive the Barclay A+ bonus again after minimum spend. So the interval between closing and reopen...
by giesen5
Thu Aug 03, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished with the minimum spend. Checking back in. Did receive the Barclay A+ bonus again after minimum spend. So the interval between closing and reopen...
by giesen5
Thu Aug 03, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Oh yes they will! Edit: It is a well known churnable card. How long do you have to wait before you can reapply and get the signup bonus again? I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished w...
by giesen5
Thu Aug 03, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597952

Re: What's Your Credit Card Rewards Strategy?

Date point: Just got another Barclay Arrival Plus card to use for Italy trip. Canceled my first BC A+ on 2/25/17 after having it for 9 months. I was not sure I was going to be approved after only having it closed for 3+ months. Have opened 14 cards in 15 months. But will Barclays award you the sign...
by giesen5
Sun Jul 16, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 14150

Re: Road noise in 2017 Honda CRV?

Road noise is a trademark of Honda cars, comparatively speaking. If that criterion is really important to you, you should look elsewhere. Even the best tires are not going to make much of a difference (speaking from personal experience). Go and test drive it yourself, see if it bothers you that muc...
by giesen5
Fri Jun 30, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 40378

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. I read that Satander takes very long up to 4 months to give you the $225, also how did you ope...
by giesen5
Thu Jun 29, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 40378

Re: Capital One 360 $200 bonus

In the last two months have opened: 2 Chase = $600 2 Wells Fargo = $500 2 Santander = $450 2 Cap One = $400 Total of $1950 It does take a bit of work, especially to make them fee free, but it is worth it. I read that Satander takes very long up to 4 months to give you the $225, also how did you ope...