Search found 597 matches

by Drew777
Fri Nov 03, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3438

Re: Help me understand the Used Car Dealership perspective

I've identified the next used car I'd like to purchase, Outback 2015-2016, Premium trim with Eyesight under 45k miles. These cars seem to come up every couple weeks at dealerships within a 200 mile radius. Timeframe for purchase is next 1-3 months. There local ones at Subaru dealerships seem to go ...
by Drew777
Mon Oct 23, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4561

Re: what is your weekly workout routine?

Lifting 4 days a week:
Day 1: Legs
Day 2: Chest/Triceps
Day 3: Back/Biceps
Day 4: Shoulders/Traps

I also do 40 minutes cardio of 5 days a week.
by Drew777
Fri Oct 20, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Thanks for all the helpful responses to my prior question. I have another one: thinking of getting Delta platinum card which comes with 10k qualifying miles to help me make the next Skymiles level. Delta says that miles are credited 6-8 weeks after minimum spend. If I want the MQMs to be counted as...
by Drew777
Mon Jul 31, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Personally I value UR around 2.2 cpp. I typically transfer to Hyatt or Flying Blue and am usually able to redeem around that value. Sometimes more, sometimes less, but that's been about the average for me. I have transferred to Southwest once or twice just to top off the amount needed for a flight, ...
by Drew777
Fri Jul 21, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Thanks! Thats freaking genius lol Is there anything else we can buy like that to max out rewards? I recalled long time ago people would max out by buying ibonds but now they charge a fee to purchase via credit card so thats over... just wondering if there was any other ways to get more rewards ? :s...
by Drew777
Mon Jul 17, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

For an all around cashback card you're better off with the Alliant Visa Signature card than a 2% cashback card if you spend more than $11,800 a year. It's 3% cashback on all purchases the first year and 2.5% after that. There is a $59 annual fee, but it's waived the first year. +1 very under-rated ...
by Drew777
Fri Jul 14, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 2091

Re: Recommendations...Italy

If tours are your thing that's fine, but I would much rather do it on my own. I prefer having the freedom to what I want when I want and not be stuck to just hitting up all of the typical tourist attractions. My sister's family did just do a tour of Europe with a few stops in Italy, and they did enj...
by Drew777
Fri Jul 14, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

For an all around cashback card you're better off with the Alliant Visa Signature card than a 2% cashback card if you spend more than $11,800 a year. It's 3% cashback on all purchases the first year and 2.5% after that. There is a $59 annual fee, but it's waived the first year.
by Drew777
Thu Jul 13, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Want job helping others in Finance, any ideas?
Replies: 14
Views: 2216

Re: Want job helping others in Finance, any ideas?

You could just start doing and not worry so much about making it a career right off the bat. Give away free financial advice via social media. If you're good enough the money will come later once you've built a significant following. If you're willing to put in the time (years) and effort daily you ...
by Drew777
Mon Jul 10, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Investing/Economics Book Recommendations
Replies: 7
Views: 747

Re: Investing/Economics Book Recommendations

In relation to the rise of automated investing I would recommend Flash Boys by Michael Lewis.

As far as economics I would recommend:

Road to Serfdom by Friedrich Hayek
Capitalism and Freedom by Milton Friedman
Freakonomics by Steven Levitt and Stephen Dubner
by Drew777
Mon Jul 03, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

It depends on whether or not the offer has the 24 month language restricting you to one bonus per 24 months on any personal AA card. If not, then she can receive both offers. You'll have to read the fine print. None of the 65k offers have the 24 month language, or so I've read. Also beware d0gerz y...
by Drew777
Thu Jun 29, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

While you're worried about getting shutdown there are people out there who have already earned 7 figures of points this month alone. Sure, you can be shutdown doing relatively low volume, but no risk no reward. Lots of people are able to push it to the extreme, maybe get shutdown here and there, but...
by Drew777
Thu Jun 29, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Vinh at Miles Per Day writes this week about being shutdown completely or nearly completely by Capital One bank...accounts and cards it seems. Shutdowns are a frequent theme on his blog and I believe Cap One is not his first trip to being shutdown by a major bank. At what point should one be concer...
by Drew777
Thu Jun 29, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 12428

Re: Luxury Car

I recently went to Speed Vegas and drove an Audi R8 around the track. Got up to 119 on the half mile straightaway. Navigating the turns at high speeds even more fun. It was probably the most fun I've ever had in my life. I only wish I had paid for an even faster car. If I could afford it I wouldn't...
by Drew777
Thu Jun 29, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 12428

Re: Luxury Car

I recently went to Speed Vegas and drove an Audi R8 around the track. Got up to 119 on the half mile straightaway. Navigating the turns at high speeds even more fun. It was probably the most fun I've ever had in my life. I only wish I had paid for an even faster car. If I could afford it I wouldn't ...
by Drew777
Mon Jun 26, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

A week or so ago my wife received a mailer from Citi/AA for the AAdvantage Platinum Select Mastercard offer for 65,000 miles after $4k in spending within the first 4 months. Today she received another mailer from Citi. The offer is identical to the previous one but they have different invitation nu...
by Drew777
Mon Jun 26, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

A week or so ago my wife received a mailer from Citi/AA for the AAdvantage Platinum Select Mastercard offer for 65,000 miles after $4k in spending within the first 4 months. Today she received another mailer from Citi. The offer is identical to the previous one but they have different invitation nu...
by Drew777
Mon Jun 26, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

At a certain point worrying over redemptions values and how many cents per point you're getting is meaningless. I'm easily earning miles faster than I can spend them. Whenever I want to book an international flight I always have plenty of miles in various programs, so I just go ahead and book busin...
by Drew777
Mon Jun 26, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Do you still have to give them code BAABZX or did they just allow you to apply? I have heard mixed data points. I have even heard one person who called and was told Bank of America doesn't offer the card anymore, which is completely incorrect. I did not have to give the code to the agent. I just sa...
by Drew777
Fri Jun 23, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

There's not much literature on the subject, unfortunately. Doctor of Credit has written about it, though. This is one of the best cards available though you have to call these days to get it. Much better redemptions available than $500 credit: you can get two $500 plane tickets. Yes you can churn i...
by Drew777
Fri Jun 23, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

It's a miles and points high quality problem to have. Do I spend my 60,000 URs for this redemption or just pay the cash price and hoard the points for a better redemption? It's a lot harder when it is MRs or URs since they are so flexible. With hotel points or carrier-specific points, it's easy sin...
by Drew777
Fri Jun 23, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Treating your mileage balances as a savings account is a bad idea. In general you should expect airlines to devalue their award chart almost yearly. Maybe not every airline will devalue every year, but you never know when the next one is coming, and it's often a huge devaluation. The optimal strate...
by Drew777
Fri Jun 23, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

At a certain point worrying over redemptions values and how many cents per point you're getting is meaningless. I'm easily earning miles faster than I can spend them. Whenever I want to book an international flight I always have plenty of miles in various programs, so I just go ahead and book busine...
by Drew777
Fri Jun 23, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

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 Drew777
Fri Jun 23, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

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 Drew777
Wed Jun 07, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 25576

Re: What do you guys do on the side?

I sell discounted gift cards in bulk on the side. I've made about $19k after expenses (building a website, loss on bad cards, etc.) and have sold about $1.2 million in the last 6 months. It's not something that's easy to start up though. Is there a site? or Ebay/something else? There are, but that'...
by Drew777
Tue Jun 06, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 25576

Re: What do you guys do on the side?

I sell discounted gift cards in bulk on the side. I've made about $19k after expenses (building a website, loss on bad cards, etc.) and have sold about $1.2 million in the last 6 months. It's not something that's easy to start up though. Is there a site? or Ebay/something else? There are, but that'...
by Drew777
Fri Jun 02, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 25576

Re: What do you guys do on the side?

I sell discounted gift cards in bulk on the side. I've made about $19k after expenses (building a website, loss on bad cards, etc.) and have sold about $1.2 million in the last 6 months. It's not something that's easy to start up though.
by Drew777
Thu May 25, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I churn em and burn em. I have no loyalty to any credit card company. I've racked up over 3k in rewards so far this year and it's financing my trip to Europe this summer. I think i've been blacklisted for new cards but it was worth it. I doubt you've been blacklisted, you may just need to cool off ...
by Drew777
Tue May 16, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Hello Bogleheads, I have about 200,000 points accrued on Chase Sapphire Reserve and 150,000 accrued on American Express Platinum. I know of sites such as thepointsguy.com and read the articles about how he takes lavish vacations using points. Is there a website you guys would direct me to for absol...
by Drew777
Sun May 07, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Hello Bogleheads, I have about 200,000 points accrued on Chase Sapphire Reserve and 150,000 accrued on American Express Platinum. I know of sites such as thepointsguy.com and read the articles about how he takes lavish vacations using points. Is there a website you guys would direct me to for absol...
by Drew777
Fri May 05, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Very surprised to get approved for a Capital One Venture card. Got my first Cap One card June 2016 and closed it late February this year. We are headed to Italy in a few months and I wanted to get the card for points and for fee free international purchases. I've opened 15 cards since January 2016....
by Drew777
Fri May 05, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I have not read all of this thread but a lot of it. I am looking for some general advice how to move forward with my situation and maximize the best CC rewards out there. I would not consider myself a churner by any means, yet, but have slowly added cards over the last couple years and am finally s...
by Drew777
Mon May 01, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I have quite a few credit cards now. The ones with annual fees in the second year I cancel right after the bonus is completed and rewards are received. The others I still have. Should I cancel these slowly over time or just all at once? Does it make a difference? I'm not overly worried about my cre...
by Drew777
Mon May 01, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

As long as award space is available, this will be part of your ticket to Japan and included in that award price. This leg will be included in your award ticket price from Seoul to USA...you just have to find award space. Just make sure you include your flight to Seattle as part of the award ticket....
by Drew777
Mon May 01, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I think AA used to have a lot more award space and over the last 4 or 5 years they've changed that. So your prior experiences may not be indicative of what your future experiences will be, depending on when you booked award flights with them in the past. Many partner awards ARE searchable on AA. Bu...
by Drew777
Mon May 01, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I haven't flown so many flights with frequent-flyer points. That's probably a function of not having a ton to begin with, having in general only limited schedule flexibility and oftentimes finding a compelling enough cash fare to not need / want to shop around. That said, when I have used points, A...
by Drew777
Mon May 01, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I find AA Miles to be pretty awful (awful availability, awful redemption values, awful routing), at least for the places I want to go, but I would tell you that the website is also useless as it doesn't show all their partners. You need to look at all One World carriers websites to find available a...
by Drew777
Thu Apr 27, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I find AA Miles to be pretty awful (awful availability, awful redemption values, awful routing), at least for the places I want to go, but I would tell you that the website is also useless as it doesn't show all their partners. You need to look at all One World carriers websites to find available a...
by Drew777
Thu Apr 27, 2017 5:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Using American to London isn't the best bet unless you can find flights on American metal. Most flights are going to be on British Airways, and they pass on huge fuel surcharges. If you want to use American miles look for flights on American metal, AirBerlin, or Iberia. Skyteam and Star Alliance ge...
by Drew777
Tue Apr 25, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I remember feeling like that when I first started travel hacking. We flew economy at first, but now I have more miles than we even have time to use, so we fly business class on international trips now. If you're aggressive you'll end up with some pretty big point balances. If you're just doing one ...
by Drew777
Tue Apr 25, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Just to make sure I follow, you booked business class on United for 70k miles and $280 fuel surcharges, one-way -- is that right? And that's non-stop to where in Italy? Just trying to get a sense of what the market is for business class to Italy. Personally, I'd be looking to start from NYC. In my ...
by Drew777
Tue Apr 25, 2017 5:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Posting here to get some advice on our cash back strategy... Goal: Primary goal is cash back, but because we live far away from friends and family we keep a travel card on hand for flights. Cards: CapOne Quicksilver -- 1.5% cash back on everything + no fee. We use this for basically everything (tha...
by Drew777
Tue Apr 25, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Just to make sure I follow, you booked business class on United for 70k miles and $280 fuel surcharges, one-way -- is that right? And that's non-stop to where in Italy? Just trying to get a sense of what the market is for business class to Italy. Personally, I'd be looking to start from NYC. In my ...
by Drew777
Thu Apr 20, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? Not if you fly on Delta metal. I'm flying to Munich for Oktoberfest and returning from Dublin, both legs in business class, and only paid about $80 in taxes and fees. What miles/points did you cash in for this ...
by Drew777
Tue Apr 18, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I have actually had decent luck with redemptions and availability on SkyTeam. Some of their itineraries aren't the greatest, but the points are easy to earn and availability has been good. Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? Not if you fly on Del...
by Drew777
Tue Apr 18, 2017 6:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I have actually had decent luck with redemptions and availability on SkyTeam. Some of their itineraries aren't the greatest, but the points are easy to earn and availability has been good. Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? Not if you fly on Del...
by Drew777
Mon Apr 17, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I am reconsidering cards with American airlines rewards as they seem to have devalued their product greatly by severely limiting seats. Agreed, at least in my experience so far. I got targeted for a 60k signup bonus and decided why not, and now I'm regretting it. I have 100,000 AA miles just collec...
by Drew777
Wed Apr 05, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

just an fyi.... I like my citi prestige. I will renew it next month. I got back $900 last year due to the 4th night free hotel credit. It is even better than the CSR if used properly imo. (if you are someone who travels frequently with 4 night stays or more) I also have the Prestige also, but I hav...
by Drew777
Wed Apr 05, 2017 6:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421962

Re: What's Your Credit Card Rewards Strategy?

I am going to be applying for a United Explorer card in a few days. I am wondering if there is any advantage to applying for another card at around the same time. I would think if I do it the same day the 2nd one won't see the inquiry yet from the first. Not that the inquiry would get me denied on ...