Search found 542 matches

by investor997
Thu May 14, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Rethinking chase sapphire during pandemic
Replies: 8
Views: 1149

Re: Rethinking chase sapphire during pandemic

Suppose a CSR/CSP's UR points are transferred to a CF/CFU and the CSR/CSP is subsequently canceled. Are the UR points converted to cash back at a 1:$0.01 ratio? If so that represents a pretty hefty devaluation, at least if the UR points were to be redeemed for travel. Given today's situation that ma...
by investor997
Thu May 07, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6255

Re: Best [BBQ grill] for the money?

I have three grills: A Weber Spirit E-210 (2-burner gas), a Green Mountain Davy Crockett (pellet smoker) and a bare-bones 22" Weber kettle (charcoal) with a "Slow 'n' Sear" (https://snsgrills.com/products/slow-n-sear-deluxe) add-on. Out of the three, the one that consistently produces the best tasti...
by investor997
Fri May 01, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Amex is really stepping it up. Doctor of Credit is reporting the Platinum Card will offer $20/mo credits each towards wireless and streaming services, good through the end of 2020. Nice to see them do this considering the travel benefits of the card are almost completely useless because of the COVID...
by investor997
Fri Apr 24, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

I have to pay a homeowners insurance bill. Does this fall under any category that could get me a bonus with BoA's Cash Rewards Card (where I can select my own bonus category) ? Online shopping or the like ? Or maybe with some other card ? I'm pretty sure it doesn't fall into any of the bonus catego...
by investor997
Thu Apr 16, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

I just finished the minimum spend on an Amex Platinum and collected the 100K MR bonus. Now I have all these points and no practical way of using them. I have to admit, in this day and age of travel uncertainty, cash (back) remains king! Open the Schwab Platinum card, get the signup bonus, cash out ...
by investor997
Thu Apr 16, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

I just finished the minimum spend on an Amex Platinum and collected the 100K MR bonus. Now I have all these points and no practical way of using them. I have to admit, in this day and age of travel uncertainty, cash (back) remains king!
by investor997
Thu Apr 16, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 183
Views: 19650

Re: Please share some lifestyle creep you regret.

A Porsche 911. I drove a friend's on the roads of Malibu Canyon and I was hooked. It was four years old when I bought it so I thought I was being smart by letting someone else pay for the steepest part of the depreciation curve. What I soon discovered was that the car was pretty awful to live with w...
by investor997
Mon Apr 13, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Estimate on a new hvac system. Is it reasonable?
Replies: 60
Views: 4025

Re: Estimate on a new hvac system. Is it reasonable?

I'm not an expert but I believe a variable speed compressor is fairly new technology and likely found only only on higher end units. I have a two-stage compressor and honestly the thing runs on stage 2 100% of the time in hot weather so the point for cooling is marginal. It's nice having that on th...
by investor997
Sun Apr 12, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Estimate on a new hvac system. Is it reasonable?
Replies: 60
Views: 4025

Re: Estimate on a new hvac system. Is it reasonable?

The cost sounds reasonable to me, but get at least 4 quotes. I just replaced my AC and furnace a few months ago and the quotes varied a lot more than I thought they would. For those who are recommending Carrier Infinity systems, or any variable speed system: You won't be able to use a common afterma...
by investor997
Tue Mar 17, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Order
Replies: 13
Views: 1214

Re: Tesla Order

Get the car. You'll LOVE it.
by investor997
Tue Mar 17, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

UR point value if spent via Chase Travel Portal and converted to CSR if you have CSR, Freedom Unl. and Freedom: $0.045 if earned via travel or restaurants (using CSR) $0.075 for category spending (using Freedom) $0.0225 for everything else (using Freedom Unl.) No. For CSR cardholders, a UR point is...
by investor997
Wed Mar 11, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

A spreadsheet doesn't seem too hard to build...figure out annual spending for categories (dining, travel, gas, groceries...etc) and then build in some way to see reward value amongst the different cards. Sorting out the UR rewards from different cards may be tricky but I like the approach of estima...
by investor997
Thu Mar 05, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

If you're a Saks kind of customer, that's great. I'm not. I would never even walk into one of their stores. I don't even know if one exists near me. Maybe it does. Like Nordstrom, I have no reason to go there. I'm not a Saks customer either. I wouldn't be caught dead in one. But my S.O. is a girl a...
by investor997
Sat Feb 29, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Citi double cash maximization
Replies: 24
Views: 2740

Re: Citi double cash maximization

Best way to maximize a cash back card is to stack it with more cash back offers. I'd look into pairing it with the Rakuten shopping portal. Converting to ThankYou points isn't really a good deal unless you want to earn jetBlue points.
by investor997
Wed Feb 12, 2020 12:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

lkar wrote:
Tue Feb 11, 2020 10:31 pm
Cash back portals and Amex offers. Easy money.
Funny, I just used a $15 off $50 Amex Offer at 1-800-Flowers (it's that time of year) and stacked it with 25% off (i.e. 25X MR points) offer at Rakuten. I still feel like I got ripped off but hey, it's gotta count for something...
by investor997
Tue Feb 11, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Hmmm.... are you getting more than the regular MR points by purchasing through Rakuten? RM The Rakuten points are in addition to whatever the card earns. If Rakuten pays 5% cash back on a given deal, it's the same as 5X MR points. So say 1X on the card + 5X via Rakuten = 6X total. I went into Rakut...
by investor997
Sun Feb 09, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and filing a 2018 amended return
Replies: 2
Views: 300

H&R Block and filing a 2018 amended return

Bogleheads, Looking for advice here. In 2018, I bought a Tesla Model 3 and paid a lot of money ($3K+) to install a Level 2 EV charger in my garage. I filed my taxes with H&R Block software as I always do, got my $7,500 Electric Vehicle federal tax credit and went about my business. In late 2019, Con...
by investor997
Sat Feb 08, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

ResearchMed wrote:
Sat Feb 08, 2020 7:44 pm
Hmmm.... are you getting more than the regular MR points by purchasing through Rakuten?

RM
The Rakuten points are in addition to whatever the card earns. If Rakuten pays 5% cash back on a given deal, it's the same as 5X MR points. So say 1X on the card + 5X via Rakuten = 6X total.
by investor997
Sat Feb 08, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Anyone else use the Rakuten shopping portal? I recently signed up for an Amex Platinum (100K MR targeted bonus) and I'm having fun meeting the minimum spend by looking for deals on Rakuten. I love how you can choose to earn Amex Membership Rewards on Rakuten. In fact, once my $5K minimum spend is u...
by investor997
Sat Feb 08, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Anyone else use the Rakuten shopping portal? I recently signed up for an Amex Platinum (100K MR targeted bonus) and I'm having fun meeting the minimum spend by looking for deals on Rakuten. I love how you can choose to earn Amex Membership Rewards on Rakuten. In fact, once my $5K minimum spend is up...
by investor997
Fri Jan 31, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Does anyone know whether it's possible to do a product change from the Bank of America Travel Rewards card to the Bank of America Premium Rewards card? I'm thinking about applying for the Travel Rewards card for starters, but I'm wondering if it would be possible to do a product change down the roa...
by investor997
Fri Jan 31, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

I also have the Amex Gold. I am more immersed in the Chase / UR world, but so far I'm having trouble appreciating the Amex Gold all that much. Yes, you do get 4x on grocery, which Chase don't have at all. The 4x on dining is good (Chase only gives you 3x on CSR or 2x on CSP). I don't really like ei...
by investor997
Thu Jan 30, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

LuigiLikesPizza wrote:
Wed Jan 29, 2020 10:55 am
Does anyone have a good credit card to recommend for dining out expenses? cash back OR points?
BofA Cash Rewards with the 3% category selection set to Dining. Maintain a $100K+ balance (Preferred Rewards Platinum status) and the 3% becomes 5.25% cash back. No annual fee.
by investor997
Wed Jan 22, 2020 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card Reward Strategy
Replies: 21
Views: 1892

Re: Cash Back Credit Card Reward Strategy

Simple strategy: If you have >$100K of assets (taxable, Roth IRA, tIRA, whatever), move them to BoA/Merrill, enroll in Preferred Rewards and sign up for both the BoA Cash Rewards and BoA Premium Rewards VISA cards. 2.62% on everything, 3.5% on dining/travel and 5.25% on the category of your choice. ...
by investor997
Wed Jan 22, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

Level 2 charging current is no more than 40A. The model 3-LR can charge up to 48 amps which requires a 60 amp circuit for max speed. I believe the confusion here is that the "dedicated" Tesla Wall Connector can charge up to 48A requiring 60A circuit (limited to 80% of max) while the original "gener...
by investor997
Wed Jan 22, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

I wish I could find the link but just imagine having to put little gas in your cellphone or having to pull a cord to start the tiny gasoline engine on your Cuisinart blender! There *really* are (were?) those tiny engines in RC flying hobby arena where one used tiny dropper to fill them up. Gas powe...
by investor997
Tue Jan 14, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

No, You get the 100k sign up bonus for the Amex platinum, Wait about 11 months and then you go for the Schwab card so that you can get the 60k bonus there, cancel the Amex platinum before the annual fee is assessed. So Amex doesn't consider the Schwab Platinum to be in the same category as the stan...
by investor997
Mon Jan 13, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if it's possible to convert an Amex Platinum to the Schwab Amex Platinum? Or is it necessary to cancel one and then re-apply for the other? Why would you want to convert if you can get the Schwab Amex Plat bonus by signing up (I"m not even sure you actually need to cancel the other...
by investor997
Mon Jan 13, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor IRA Preparation with Existing Traditional IRA
Replies: 6
Views: 222

Re: Backdoor IRA Preparation with Existing Traditional IRA

Does your current employer have a 401k? If so, find out if it accepts rollover contributions. That's the easiest way of wiping out a tIRA such that you're prepped for Back Door contributions.
by investor997
Mon Jan 13, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897044

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if it's possible to convert an Amex Platinum to the Schwab Amex Platinum? Or is it necessary to cancel one and then re-apply for the other?
by investor997
Mon Jan 13, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Upgrade Bank of America Credit Card?
Replies: 29
Views: 2309

Re: Upgrade Bank of America Credit Card?

So I funded a Merrill Edge account with the required amount, opened a Bank of America checking account, and got the free Bank of America Travel Card that accumulates 2.625% rebates that I can use via credits for travel charged to the card. It's been working well, including using arbitrage to charge...
by investor997
Mon Jan 13, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Upgrade Bank of America Credit Card?
Replies: 29
Views: 2309

Re: Upgrade Bank of America Credit Card?

So I funded a Merrill Edge account with the required amount, opened a Bank of America checking account, and got the free Bank of America Travel Card that accumulates 2.625% rebates that I can use via credits for travel charged to the card. It's been working well, including using arbitrage to charge...
by investor997
Mon Jan 13, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Upgrade Bank of America Credit Card?
Replies: 29
Views: 2309

Re: Upgrade Bank of America Credit Card?

But note that the BofA Cash Rewards Card at the 5.25% level is limited to $2,500 of spend per quarter. For me, I am questioning whether it is worth it to run an additional card for $175 per year (5.25% versus 3.5%*$10,000). Why not? It's free money. The Cash Rewards card has no annual fee, plus it ...
by investor997
Fri Jan 10, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

The electric motor turns the wheels... the gas generator is just to recharge the battery. Not the little battery in ICE cars, the big battery in the EV car. Maybe it's not feasible. Too bad... So instead of having: 1) An electric motor to drive the wheels 2) A large battery to power the electric mo...
by investor997
Fri Jan 10, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

I don't think so... Having both a gas engine and an electric engine is too many moving parts. There are hybrids like that. But a gas tank and a generator (and an exhaust) that just recharges the battery is pretty simple. You'd have all the simplicity of a pure EV vehicle with the extended range of ...
by investor997
Tue Jan 07, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

stoptothink wrote:
Tue Jan 07, 2020 6:49 pm
I can probably count on one hand the number of times in my 22yrs of driving that I've waited at all for an open gas pump. These responses are comedy gold.
A typical day at the local Costco gas station.
by investor997
Tue Jan 07, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

Eh - don't fill up at Costco. Do you really not have local gas stations in your area where you can usually pop in easily and fill up without waiting? Costco is, IIUC, quite an outlier in this regard. If you want to try to use that as a norm, then EV skeptics should be allowed to use 4 mph trickle c...
by investor997
Tue Jan 07, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

Do folks really see regular gasoline fillups as all that problematic? Before getting the Tesla, I didn't. It's what I was used to. Now that I own the Tesla, yes, I think visiting a gas station is problematic and inconvenient. And yes, I let out a snobbish laugh every time I pass by the local Costco...
by investor997
Tue Jan 07, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

stoptothink wrote:
Tue Jan 07, 2020 5:06 pm
investor997 wrote:
Tue Jan 07, 2020 4:49 pm

What if you could buy a cell phone that had a battery that lasted a week but the only way to charge it is to visit your local AT&T or Verizon store? Would you still get one?
I think you know that is a terrible analogy.
I disagree.
by investor997
Tue Jan 07, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

For me it is not the range. It is the limited places to stop and charge. Here's the deal with owning and charging a Tesla. So long as you have a private garage with a dedicated 240V circuit and you can keep your daily itinerary to under ~250 miles, you'll never have to worry about running out of ra...
by investor997
Tue Jan 07, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

OP Did you buy one, or, get talked out of it. Too many pages for me to figure it out ;) I'd be OK stopping to charge, as long as it was near a place I could piss and eat. I figure one advantage of a Tesla is you can hook it up to a charger, then go in to eat. One disadvantage might be if there are ...
by investor997
Sun Jan 05, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

4nursebee is referring to utilities which charge customers higher rates if they consume more electricity during peak demand times, not wiring capacity limits. Only a few regions of the country currently have this kind of billing for residential customers, but I think it will become a lot more commo...
by investor997
Sat Jan 04, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

Yes it is adequate and might even be better on the utility bill. We like the convenience of the TSLA wall charger but have the power dialed back so our peak demand charge is not high So long as your Tesla wall connector was installed according to electrical code and has its current limit set to the...
by investor997
Sat Jan 04, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

Just curious, if I drive on average 500-600 miles a month with most days under 20-30 miles. Do I even need 240v charging at home? Is 120 adequate? You'll be fine, but I recommend checking out plugshare.com. It's a community driven map database of public charging locations. Use it to determine the w...
by investor997
Fri Jan 03, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

btenny wrote:
Fri Jan 03, 2020 10:59 am
OP and others. Here is a funny review by a lady lawyer for her model 3.

https://philip.greenspun.com/blog/2020/ ... rs-review/

Enjoy....
That review is pretty much spot on.
-OP

EDIT: For the record, I'd still buy it again.
by investor997
Tue Dec 31, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

Fart mode. Musk is trolling his customers. OP here. The problem with "Emission Test Mode"is that it has to be re-enabled every time you start the car. That requires lots of revealing swipes and button pushes on the screen, so it's tough to prank your passengers without them knowing about it ahead o...
by investor997
Tue Dec 31, 2019 12:54 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

With all the options you're looking at $60k+ for a fully loaded Tesla 3. You can get a certified pre-owned Porsche for that much. Doesn't make any sense to spend money on Tesla. Here is something Porsche can't do. I have a dual motor long range Model 3 that I bought a year ago. The 0-60 acceleratio...
by investor997
Tue Dec 31, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

https://www.caranddriver.com/news/a30361800/tesla-model-3-long-term-failure-stranded-while-parked/ If anybody wants a reason not to buy one, there it is :-( OP here. That's a pretty ugly one. I'll be monitoring, but for the record my car hasn't suffered from any gremlins or other technical mishaps ...
by investor997
Thu Dec 26, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

1 No one working at the dealership drives a Tesla that, in a pinch, could be used as an audition platform for a customer? 2 If all the cars on the lot are really sold, why such a backlog? I would think that the new owners would want pickup ASAP. 3 What kind of company wants to make this impression ...
by investor997
Thu Dec 26, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80535

Re: Talk me out of buying a Tesla Model 3

As often happens, the posters tend to overthink their answers. For me, from my point of view, the question is very basic. Why get a vehicle that has a history of fires and crashing into medians? An exhilirating vehicle is wonderful, but I would wait until the problems get sorted out. You must be co...