Search found 16248 matches

by VictoriaF
Fri Jun 23, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by VictoriaF
Fri Jun 23, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 161
Views: 17353

Re: Early Retirement - what to do about healthcare?

The problem is that health care costs are so unpredictable, how does one self insure? Somebody on the first page mentioned being ' healthy enough to live without insurance ', frankly I dont think there is any such thing. I know too many stories of people who seemed perfectly healthy, then one day h...
by VictoriaF
Fri Jun 23, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

While not happy that United is creating even more ticket classes, I can live with this new policy if it cuts down on the number of people bringing large bags onto the flight. I find it annoying when people try to bring on and cram large bags into the overhead compartment. It really slows the boardi...
by VictoriaF
Thu Jun 22, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4089

Re: What do you say when you cancel an account that you only opened for bonus?

Just say, basically, "I'm closing this account because I've decided to close it. My decision is firm." If they pester you for a reason, just keep giving variations on "I have made my decision." You can try the Sean Spicer variation:: "I'm closing my account because I strong...
by VictoriaF
Thu Jun 22, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

Outside of the promotional miles and the first year when airline cards tend to offer fee waivers, the only card that seems worth keeping (other than hotel cards that have annual bonuses and free cards) is CSR. I am finding that often purchasing tickets through their online portal with points is a g...
by VictoriaF
Thu Jun 22, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 161
Views: 17353

Re: Early Retirement - what to do about healthcare?

I suspect it also means they've never been seriously sick or injured. When you have cancer, a heart attack, are in a serious car accident with injuries, or even have newly diagnosed diabetes or an immune-mediated disease, it is not necessarily going to be a good time to pick up and move to another ...
by VictoriaF
Thu Jun 22, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 27
Views: 2321

Re: Is someone trying to steal my identity?

This is troublesome. You should consider using services like lifelock to help with your identity protection. But if you want to save money and do it yourself, I would: 1. Reset my laptop/phone to original condition (only save data), 2. Put camera to monitor your mailbox, 3. Request credit report an...
by VictoriaF
Thu Jun 22, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 27
Views: 2321

Re: Is someone trying to steal my identity?

I think you have sufficient evidence to file it with the FTC at http://www.IdentityTheft.gov . Even if there is not much to it, you will get authoritative tips for dealing with (and preventing) identity theft. The FTC has implemented an extensive user-friendly expert system that will walk you throug...
by VictoriaF
Thu Jun 22, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

Re: basic economy flights... Just kinda found out about these....don't look very appealing. That said, it appears most award flights qualify you for the tier above "basic economy"...where you can still select seats, bring a carry on, and stay a tier above Spirit airlines. I wonder...will ...
by VictoriaF
Thu Jun 22, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 161
Views: 17353

Re: Early Retirement - what to do about healthcare?

I always smile when I hear people talk of planning to move overseas primarily for healthcare reasons. It usually means they haven't lived in any of those places, or anywhere else besides the States. Vacations don't count. Most people accustomed to the U.S. lifestyle would not appreciate Third World...
by VictoriaF
Thu Jun 22, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 182
Views: 18541

Re: Capital One 360 $200 bonus

No, this one: https://www.capitalone.com/bonus400/ Targeted or not, people are getting the bonus so I applied. No credit pull, no special hoops or delays. I don't have my $400 yet since my second direct deposit just posted a couple days ago but I'm optimistic based on the feedback at doctorofcredit...
by VictoriaF
Thu Jun 22, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

FYI, we had no problem late last month bringing my husband's fairly large bag - but within carry-on limits - onboard on a flight from SFO-NRT and NRT-SGN, code share with ANA, but with United staff on the first flight. Pretty sure this was basic economy since each roundtrip ticket was under $500. I...
by VictoriaF
Thu Jun 22, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

Have you purchased United Basic Economy (BE) tickets recently? Victoria Do NOT go anywhere near those Basic Economy tickets. They are a horrible, humiliating innovation - and a total price gouge. See various travel blogs, Points Guy, Gary Leff, etc. And be careful: The United booking mechanism may ...
by VictoriaF
Thu Jun 22, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4089

Re: What do you say when you cancel an account that you only opened for bonus?

Tell the truth. Lies are only called for when the stakes are high, they're not high here. The question is "what is the truth here?" Do you tell a CSR a long story how you have opened account only to get a bonus, how you never had an intention to keep it, and how your other account pays be...
by VictoriaF
Thu Jun 22, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

And so I'd like to pass the announcement that the next FTU will be taking place in Chicago on 17-19 November 2017, https://ftuniversity.com/ . If I were not traveling at that time elsewhere, I would have found it worthwhile to fly to Chicago for this event. Your mileage may vary (excuse the pun), T...
by VictoriaF
Thu Jun 22, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

I have the MileagePlus Explorer and the CSR -- my experience since adding the CSR is that even when I use it to buy a United ticket (or if I use UR points), I still get the free bag on United flights. My assumption is that because the MileagePlus card is linked to my actual MileagePlus account, whe...
by VictoriaF
Thu Jun 22, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4089

Re: What do you say when you cancel an account that you only opened for bonus?

Tell the truth. Lies are only called for when the stakes are high, they're not high here. The question is "what is the truth here?" Do you tell a CSR a long story how you have opened account only to get a bonus, how you never had an intention to keep it, and how your other account pays be...
by VictoriaF
Thu Jun 22, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

I don't have a complete answer, but do note that paying ANYTHING on the United Explorer card, including fees, gets you the free bag. I uses United Miles to get a ticket, but some amount had to paid ($12???). Using the Explorer card for that get me the free bag. Mind you, I dropped my Explorer card ...
by VictoriaF
Thu Jun 22, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

From reading travel blogs, it appears that: 1) boarding earlier would not help me with a full-size carry-on bag 2) I would have to pay for a checked-in bag, unless I pay for the tickets (or taxes on reward tickets) with the United Explorer card. 1) Who says that. Isn't the whole point of "gate...
by VictoriaF
Thu Jun 22, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

I have a burning question : I have been reading that United now does not allow those with Basic Economy tickets to bring full-sized bags aboard. To be clear, I am specifically inquiring about bags that comply with the airline carry-on size requirements, not the behemoths some people try to sneak in...
by VictoriaF
Thu Jun 22, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

Most people participating in this thread are advanced credit card reward strategists. But I know of some novices who would like to learn about the "game" and are overwhelmed by the multitude of the moving parts. I was such a novice less than three years ago. I was very fortunate to sit at ...
by VictoriaF
Thu Jun 22, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4089

Re: What do you say when you cancel an account that you only opened for bonus?

The bank is offering the bonus because they want you to try their product because they think they can get your business by offering a better product. The incentive is their foot in the door. If it isn't a better product, or isn't worth the hassle of changing all of your billpay, direct deposit, etc...
by VictoriaF
Thu Jun 22, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3091

Re: Christine Benz: "How to Make the Most of Your 401(k)"

I am astonished how many people don't participate in 401k plans. The employer match is low hanging fruit ready to be plucked and there are folks that refuse even that. It seems that there are other priorities and retirement seems so far off. It really isn't so astonishing if you consider some of th...
by VictoriaF
Thu Jun 22, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1859
Views: 293351

Re: What's Your Credit Card Rewards Strategy?

I'm starting to second guess my waiting game on the Chase Sapphire. I am sitting at just 6/24 right now - so getting close, but see other good opportunities on the horizon. I'm earning UR points through Ink, etc. The bonus of course would be nice - but remind me again - what is your primary motivat...
by VictoriaF
Wed Jun 21, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4882

Re: Alternatives to Amazon

new2bogle wrote:Should all amazon delivery drivers be blonde women in high heels?


Yes! Amazon delivery drivers should be authentic amazons: female warriors with bare breasts, flowing hair, armed with bows and arrows.

Victoria
by VictoriaF
Wed Jun 21, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4882

Re: Alternatives to Amazon

All they do is drop the package in front of the door always forgetting the door opens outward meaning I am pushing against the package to open the door! To be fair, most front doors for homes open inwards. It's just practical in areas with snow, so you don't have to push the door open through a sma...
by VictoriaF
Wed Jun 21, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3091

Re: Christine Benz: "How to Make the Most of Your 401(k)"

I am astonished how many people don't participate in 401k plans. The employer match is low hanging fruit ready to be plucked and there are folks that refuse even that. It seems that there are other priorities and retirement seems so far off. I think the issue is the initial administrative barrier. ...
by VictoriaF
Wed Jun 21, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34026

Re: Regret early retirement/downsizing

Personally I think a 3 day work week would be perfection. It works for some, but I am strongly averse to part-time work of any kind in retirement. Retirement is my time. I control what I do every hour, every day, every part of a year. I travel when I wish, wherever I wish. I take courses that happe...
by VictoriaF
Wed Jun 21, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34026

Re: Regret early retirement/downsizing

Personally I think a 3 day work week would be perfection. It works for some, but I am strongly averse to part-time work of any kind in retirement. Retirement is my time. I control what I do every hour, every day, every part of a year. I travel when I wish, wherever I wish. I take courses that happe...
by VictoriaF
Wed Jun 21, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34026

Re: Regret early retirement/downsizing

Personally I think a 3 day work week would be perfection. It works for some, but I am strongly averse to part-time work of any kind in retirement. Retirement is my time. I control what I do every hour, every day, every part of a year. I travel when I wish, wherever I wish. I take courses that happe...
by VictoriaF
Wed Jun 21, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 50
Views: 5597

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Contrary to what the online chat rep told me, others said they were told that the higher rate (from the 10-day rate guarantee) does not show up until day 11. I just checked my account, and the CD opened on June 15 is still showing 1.35%, so the others appear to be right about this. Kevin Same here....
by VictoriaF
Wed Jun 21, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12329

Re: Ally Bank 1.25% 11 month with no EWP

1.5% now for amounts larger than $25K . . . tempted. This is a healthy temptation. Some of us have already given in. Victoria So should people trade in their 1.25% Ally CDs and buy 1.5% Ally CDs? I have opened three $25k No-Penalty 11-month CDs within the last couple weeks. The one I opened on 10 J...
by VictoriaF
Wed Jun 21, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 19
Views: 1979

Re: Attention Win XP users

When Victoria talks about computer security, I listen. Thank you, HurdyGurdy! To be clear, I am not endorsing Windows XP. I am pointing out that *if* one is still using XP, or keeps it for whatever purpose, he or she should manually install the updates from the Microsoft site I have referenced in t...
by VictoriaF
Tue Jun 20, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 50
Views: 5597

Re: Push money from Credit Union to Ally, or have Ally pull it?

Is there a general consensus on whether it is better to push money from a Credit Union to Ally, or have Ally pull it from the Credit Union? I have a CD maturing at Andrews FCU (got in on their 6 month holiday special last year) that I want to move to Ally. I'm leaning toward having Ally commence th...
by VictoriaF
Tue Jun 20, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 68
Views: 6701

Re: Which High-Yield Online Savings Account Should I Open?

Why are the reviews for online bank accounts so negative? I believe because the only people who take the time to write the reviews are the ones with the bad experiences. I have accounts at Gsbank (online savings at 1.2%) and sychrony bank (1.15%) and haven't had problems with either. I guess I shou...
by VictoriaF
Tue Jun 20, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 104
Views: 12329

Re: Ally Bank 1.25% 11 month with no EWP

jst wrote:1.5% now for amounts larger than $25K . . . tempted.


This is a healthy temptation. Some of us have already given in.

Victoria
by VictoriaF
Tue Jun 20, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 19
Views: 1979

Re: Attention Win XP users

If you have a Windows XP machine, don't use it to surf the web unless you don't have anything important on your machine. I would agree with this. Nevertheless, people keep Windows XP for various reasons some of which are more legitimate than others. And if they do, it's more prudent to manually upd...
by VictoriaF
Tue Jun 20, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34026

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by VictoriaF
Tue Jun 20, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 95
Views: 9237

Re: Amazon Buys Whole Foods

PatrickA5 wrote:Amazon - Buy almost everything other than food/groceries.


I buy some food from Amazon, e.g., tea (black, green, white), capers, smoked kippers. But most of my food is fresh and comes from Costco, Whole Foods, and Safeway.

Victoria
by VictoriaF
Tue Jun 20, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34026

Re: Regret early retirement/downsizing

A data point about the meaning of "hobby": Many people refer to their pursuit of airline miles, hotel points, and bank bonuses as a "hobby." I do some of these activities, trying to limit my activities to the lowest effort and highest payoffs, but I would never call it a "ho...
by VictoriaF
Tue Jun 20, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 19
Views: 1979

Attention Win XP users

I have migrated to Windows 7, but still have three old laptops running Windows XP. I will get rid of them at some point, but for now I keep them just in case. If you are like me, you need to know that while Microsoft has stopped updating old OSes automatically, it has recently issued several patches...
by VictoriaF
Tue Jun 20, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Gift for 11 year girl from France
Replies: 6
Views: 695

Re: Gift for 11 year girl from France

Thesaints wrote:The optimal efficient frontier theory says you should get her two gifts: one suited for a 6yo from Spain, the other for Dutch 5yo.


One of them must be a boy, the other one a girl, and the OP should do periodic rebalancing between them.

Victoria
by VictoriaF
Tue Jun 20, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 37
Views: 4429

Re: Ally Bank No penalty CD for parking cash, is there a catch?

I asked if the higher rate would be applied automatically, and when I'd see it (still showing 1.35% as of now). He said the rate would be applied automatically, and I should see it updated by tomorrow. My impression is that their employee training is not that great and one may get different answers...
by VictoriaF
Tue Jun 20, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 24
Views: 3834

Re: Capital One $400 bonus for new checking account

SrGrumpy wrote:However I keep my account open with a few dollars because bonuses at other banks (Chase, e.g.) are often triggered by DDs from CapOne, so I rationalize that CapOne chipped in.


This is good to know. If I am to play the bank bonus game, I need a set of places qualifying as DD.

Victoria
by VictoriaF
Sat Jun 17, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 38
Views: 3071

Re: Federal employees considering early out - buyout?

But the 2018 budget proposal would reduce COLAs for future and current retirees, which is a first. So people are cautious. Understandably. I have less control over that potential change than I do over the timing of my departure due to eligibility rules, so now I'm trying to determine if there's any...
by VictoriaF
Sat Jun 17, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 38
Views: 3071

Re: Federal employees considering early out - buyout?

But the 2018 budget proposal would reduce COLAs for future and current retirees, which is a first. So people are cautious. Understandably. I have less control over that potential change than I do over the timing of my departure due to eligibility rules, so now I'm trying to determine if there's any...
by VictoriaF
Sat Jun 17, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2712

Re: Suggestions for password storage services?

And you can have multiple password database files with KeePass, so you could have one file for your trivial accounts with just a complex master password and another file for your financial accounts that uses both a complex password and key-file. The key-file makes it that much harder for attackers ...
by VictoriaF
Sat Jun 17, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 38
Views: 3071

Re: Federal employees considering early out - buyout?

I think you've given it a good look-over. I don't see any problems. I have not heard you would not get the pension COLA until 62. I wonder if things are different during a buyout? I took a buy-out in 2014. I was going to retire a couple months earlier but as I was preparing to talk to my management...
by VictoriaF
Sat Jun 17, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 226
Views: 34026

Re: Regret early retirement/downsizing

For those considering use of their time, in retirement or otherwise, I highly recommend a podcast of Sam Harris's conversation with Tristan Harris "What is Technology Doing to Us?" https://www.samharris.org/podcast/item/what-is-technology-doing-to-us . In this episode of the Waking Up podc...
by VictoriaF
Fri Jun 16, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 95
Views: 9237

Re: Amazon Buys Whole Foods

Does this mean we will order groceries on line and they will show up at the door? That will be true for some, but I, for one, like to select my groceries. I choose the largest bunches of dandelion and dill, greenest of green apples, and cauliflower heads without blemishes. I note what is on sale, a...

Go to advanced search