Search found 497 matches

by BeneIRA
Thu Nov 15, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

I received an offer from Amex Delta : 50K miles for $2k spend, first year fee waived. I am not normally a big user of Delta miles, but this seems like a decent offer. I have had Amex Delta in the past -- but this doesn't contain any lifetime language. 1) I remember reading that Amex's site warns yo...
by BeneIRA
Tue Nov 13, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage during severance
Replies: 4
Views: 451

Re: Health Coverage during severance

Yes, losing a qualified group plan's coverage is a QLE to hop onto your spouse's coverage. They may ask for proof of the coverage loss, so be prepared for that. Just notify them within 30 days.
by BeneIRA
Tue Nov 13, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: When to follow up after job interview
Replies: 18
Views: 998

Re: When to follow up after job interview

Definitely do not send any further emails or reach out in any way. It will not impact anything positively. In the meantime, you should be interviewing and/or applying to other companies and not put all of your eggs in this company's basket. If they want to get back in touch with you, they will.
by BeneIRA
Tue Nov 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Donating Airline Miles?
Replies: 5
Views: 371

Re: Donating Airline Miles?

I’m not sure how useful it would be if you can’t afford a redemption, but the one outfit I know who takes donated miles is Miles 4Migrants. I would do a search and see if it is something you are interested in. They specialize in reuniting refugees with their families.
by BeneIRA
Mon Nov 12, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

A couple of questions: (1) I have used Chase UR points transferred to Hyatt for good redemptions. Are there are any other worthwhile hotel transfer partners that come to mind? I also have MR points and Citi TYP to use. In need of saving $$ on upcoming hotel travel, mostly stay at branded hotels. (2...
by BeneIRA
Mon Nov 12, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

Why would you want to cancel SW when you're so close to 110k? According to The Points Guy, Companion Pass is the best perk in existence. TravelforFun I plan to cancel it *after* I hit 110K. Once the milestone is reached, the Southwest card no longer offers much value. Call in to cancel and don't be...
by BeneIRA
Thu Nov 01, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4168

Re: Extreme credit card debt

Need more information before anyone can really give any valuable, specific advice. With those salaries are you in rural Mississippi or in midtown Manhattan? If the former, the debt shouldn't be too tough to pay off in a handful of years, if the latter, well, I understand why you can only make the mi...
by BeneIRA
Wed Oct 31, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt for Grandma
Replies: 32
Views: 1727

Re: Credit Card Debt for Grandma

Chase doesn't do joint accounts, so the mom is at most an authorized user. Authorized users have no financial responsibility for the repayment of the balance, so, she's in the clear.
by BeneIRA
Tue Oct 30, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3337

Re: Planning first international trip - London/Paris

My wife and I are planning our first international trip. We are planning on spending six full days in Europe the last week of April. We are flying non-stop from Atlanta to Heathrow airport. 1. What part of the city do you recommend staying? Is this walking distance to any major tourist areas? 2. Sh...
by BeneIRA
Thu Oct 25, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash in my vacation days?
Replies: 31
Views: 9979

Re: Should I cash in my vacation days?

Along the same line I'm going to retire at the end of the year I can either have them pay me out for my 3 weeks vacation or used the 1st 3 weeks in January and get paid that way? which you think is the best option getting paid next year because I will be in a lower tax bracket? Let me know thanks R...
by BeneIRA
Wed Oct 24, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: COBRA clarification (loophole?)
Replies: 13
Views: 979

Re: COBRA clarification (loophole?)

The whole "paperwork" for COBRA is antiquated. Companies send it because they have to, but all of the big benefit providers and most of the smaller ones don't need the paperwork and several won't even accept it. You have to call in to enroll or some let you go online. For the people saying to enroll...
by BeneIRA
Sun Oct 21, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8647

Re: Quitting w/o notice

Recommendations, for the reasons stated above, are wildly overrated in this day and age. The grand majority of corporations use The Work Number (Equifax) or a similar service that has a service verify employment. Recommendations are virtually worthless. Where it does hurt you is getting rehired by t...
by BeneIRA
Thu Oct 18, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 38
Views: 2008

Re: Health Care Options for 26 year old

Hi All, I'm trying to help out a friend who is planning a career change. She is currently 26 and has been a teacher for 5 years. She has decided to leave the profession and has been accepted into nursing school which begins in May, 2019. As part of her planning for this transition she had questions...
by BeneIRA
Wed Oct 17, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4089

Re: Approach to rescinding a job acceptance

The bridge is almost definitely burned no matter what you say or do unless you have a good relationship with this new would-be manager. We actually just had this happen to us in the summer. Someone interviewed, was offered the position, they accepted our offer, and they took their company's counter...
by BeneIRA
Wed Oct 17, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4089

Re: Approach to rescinding a job acceptance

The bridge is almost definitely burned no matter what you say or do unless you have a good relationship with this new would-be manager. We actually just had this happen to us in the summer. Someone interviewed, was offered the position, they accepted our offer, and they took their company's counter....
by BeneIRA
Wed Oct 17, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1762

Re: advice on first home

This RE seems to have their own best interest in mind, which is to be expected. Rising interest rates making houses more expensive somehow equates to more people buying houses and housing prices and demand increasing? Seems a little farfetched to me. It doesn't sound like you live in a very high cos...
by BeneIRA
Sat Oct 13, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7261

Re: Just Divorced -- Need Help

Go incognito on your browser. Go to americanexpress.com and then check out the Amex Everyday and see if you get the 25,000 bonus point offer with a 0% balance transfer for 12 months. It fits your needs and Amex will approve just about anyone. If you don't get it, clear your cookies and/or try anoth...
by BeneIRA
Fri Oct 12, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7261

Re: Just Divorced -- Need Help

Go incognito on your browser. Go to americanexpress.com and then check out the Amex Everyday and see if you get the 25,000 bonus point offer with a 0% balance transfer for 12 months. It fits your needs and Amex will approve just about anyone. If you don't get it, clear your cookies and/or try anothe...
by BeneIRA
Sun Oct 07, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

Barclays is no longer accepting applications for the Arrival Premiere, the monstrosity of a card that was correctly coined as the "Dead on Arrival" card. I thought it was funny that they said they would no longer be accepting new applications when no one is actually applying for the card, so I don'...
by BeneIRA
Fri Oct 05, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

Nowadays the only card I go after is Southwest because of its companion pass (buy 1 get 1 free) program. My current pass expires in December and I will start the whole process again in January. TravelforFun Are you going to sign up for the Southwest business card and then the personal, hoping it go...
by BeneIRA
Fri Oct 05, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 702

Re: Cobra / Insurance Recommendation

OP, when does coverage at your current employer end? It may go until the end of the month and you have 60 days from then to enroll into COBRA coverage. You also have 45 days from enrollment to make the first payment. Also keep in mind, though, that if you enroll into your new company's coverage and...
by BeneIRA
Fri Oct 05, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 702

Re: Cobra / Insurance Recommendation

OP, when does coverage at your current employer end? It may go until the end of the month and you have 60 days from then to enroll into COBRA coverage. You also have 45 days from enrollment to make the first payment. Also keep in mind, though, that if you enroll into your new company's coverage and...
by BeneIRA
Fri Oct 05, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 702

Re: Cobra / Insurance Recommendation

OP, when does coverage at your current employer end? It may go until the end of the month and you have 60 days from then to enroll into COBRA coverage. You also have 45 days from enrollment to make the first payment. Also keep in mind, though, that if you enroll into your new company's coverage and ...
by BeneIRA
Fri Oct 05, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3838

Re: Tackling Disney World - Discount on tickets?

The cost for water i n the park is $3, and the many find the fountain/tap water hard to drink due to sulfur in the water. They just raised bottled water to $3.50. One key tip is that all quick service restaurants will give you a free cup of ice water if you walk up and ask for it. I like checking a...
by BeneIRA
Fri Oct 05, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3838

Re: Tackling Disney World - Discount on tickets?

The cost for water i n the park is $3, and the many find the fountain/tap water hard to drink due to sulfur in the water. They just raised bottled water to $3.50. One key tip is that all quick service restaurants will give you a free cup of ice water if you walk up and ask for it. I like checking a...
by BeneIRA
Fri Oct 05, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

Barclays is no longer accepting applications for the Arrival Premiere, the monstrosity of a card that was correctly coined as the "Dead on Arrival" card. I thought it was funny that they said they would no longer be accepting new applications when no one is actually applying for the card, so I don't...
by BeneIRA
Thu Sep 27, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff - Does disbursement date matter?
Replies: 2
Views: 302

Re: Student Loan Payoff - Does disbursement date matter?

I am paying extra on a few federal loans that are at 6.55%. The disbursement dates range over a few years, but I didn't pay anything on those until after graduation, at which point I paid down the accrued interest to prevent it from capitalizing. My question is, assuming that these loans all have t...
by BeneIRA
Mon Sep 24, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

Capital One Venture for every day purchases (2% miles on all purchases). AA Aviator and Delta Amex to get one-time miles and get perks like preferred boarding and one bag free. We had AA Citi to get the miles bonus, which we cancelled once we got the miles and now we have the Aviator cards. Will pr...
by BeneIRA
Sun Sep 23, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3000
Views: 588900

Re: What's Your Credit Card Rewards Strategy?

Capital One Venture for every day purchases (2% miles on all purchases). AA Aviator and Delta Amex to get one-time miles and get perks like preferred boarding and one bag free. We had AA Citi to get the miles bonus, which we cancelled once we got the miles and now we have the Aviator cards. Will pr...
by BeneIRA
Thu Sep 20, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7024

Re: Don't trust Tripadvisor reviews

There are fake reviews everywhere, it's a fact of life. TripAdvisor is now on the razor's edge because they would love you to book a hotel from clicking one of their links to get a commission. A lot of the fake reviews are five stars where it is beyond obviously glowing. On the other hand, I have fo...
by BeneIRA
Tue Sep 18, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: PPO to HSA switch - Planned Pregnancy
Replies: 9
Views: 697

Re: PPO to HSA switch - Planned Pregnancy

You left out how much each plan costs for contributions from your paycheck. I know you won’t know 2019 for the next few weeks, but 2018 is a good guide. On its face, the HSA plan looks better without knowing the cost.
by BeneIRA
Wed Sep 12, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mom died, financial guidance welcome.
Replies: 21
Views: 3281

Re: Mom died, financial guidance welcome.

I'm just digging into this topic so any guidance is welcome. I don't know what I don't know, so feel free to answer questions I don't even know to ask. I believe the following may represent the entire picture: 1. Small amount in an IRA (my sister was the beneficiary). 2. Life insurance policy from ...
by BeneIRA
Wed Sep 12, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5500

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

OP, from the HR side of it, your company is leaving you in a good situation. Most mega corps are far less generous. While someone in HR will never tell you there is a blacklist for employees on a lay off list, well, let's just say it is extremely difficult to find a position within the same company ...
by BeneIRA
Thu Sep 06, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4974

Re: To Be or Not to Be...Married

If your Domestic Partner is on your health insurance, then the deductions are coming out as after tax, not pretax, so that is a lost benefit. You are also probably getting smacked with imputed income for having your DP on coverage, too, so that would be one small benefit of marriage.
by BeneIRA
Mon Sep 03, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 38
Views: 7235

Re: Capital One 360 no beneficiary option

Not being able to designate a beneficiary online, but requiring mailing or faxing a notarized form would have been impressive in the 90's, but in 2018, it is pretty ridiculous. I agree, but having recently been through account registration changes with Fidelity, Vanguard, Capital One 360, I can ass...
by BeneIRA
Tue Aug 28, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8591

Re: Mega Downsize....

When in doubt, throw it out. It has served me well. Only a small handful of times over the years have I tossed something out and regretted it and I couldn't even tell you what those are now, so they must not have been important. Move to a smaller space. Ask yourself if you "need" an item. If it's on...
by BeneIRA
Tue Aug 28, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2661

Re: Cars... just another tool unless your a tool.

Even more nuts... insuring something that's worth over 35k! You're literally spending money to spend money. If it inevitably gets scratched in a parking lot or you run over a piece of metal, wood, etc or other scrap on the road most people will happily spend more money to keep their car looking lik...
by BeneIRA
Sun Aug 19, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Odd credit issue? (took out loan for ring and credit drops 90 pts?)
Replies: 15
Views: 1042

Re: Odd credit issue? (took out loan for ring and credit drops 90 pts?)

There have been three to four posts in the past week about a credit score "mysteriously" dropping. What do almost all have in common? Credit Karma. Credit Karma is not a FICO score. It is a Vantage 3.0 score. Virtually no one uses that score for anything of any value, they use FICO. If you have acce...
by BeneIRA
Sun Aug 19, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 14
Views: 1099

Re: Opinions and experiences with Verizon Prepaid?

I switched a month ago to the $40 plan and so far, so good. My main reason for switching was to get a plan I could use while traveling internationally. It is $10/day for each day you use it so to me not cheap but worth a try. A friend who just returned from the UK, however, said data was super slow...
by BeneIRA
Sat Aug 18, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8621

Re: Credit Card Fraud - $30K

OP, Credit Karma's credit score isn't a real FICO score, it is Vantage 3.0, which virtually no one actually uses. I am sure your FICO score decreased as well, but not over 100 points. Best of luck getting this resolved.
by BeneIRA
Sat Aug 18, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 14
Views: 1099

Re: Opinions and experiences with Verizon Prepaid?

Bogleheads seems like a good place for this. The spouse recently switched to Verizon Prepaid and I will be joining shortly. We have been bouncing around a couple MVNOs but getting tired of poor coverage of ATT and Sprint/Tmobile combined with "we don't work nights by Eastern time or weekends any ti...
by BeneIRA
Sat Aug 18, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2499

Re: Braces: Keeping cost down and insurance questions.

Ortho is written in dental plans as a separate lifetime maximum, so to make it simple, you could start orthodontist services late in the year, say November, and make sure your child is covered on one insurance plan. Submit the full amount, I am sure the ortho will be more than happy to bill it, meet...
by BeneIRA
Fri Aug 17, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1152

Re: Credit Score mysteriously dropped

I received a notification that my credit score dropped 40 points! I am mystified. It's been in the 800s. I did have time open two trust accounts in the last two weeks, but they are at a bank where I have other established accounts. Do I call and ask? The last hard pull was 6 months ago What service...
by BeneIRA
Fri Aug 17, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 39
Views: 2814

Re: Travel delay: Can I *easily* get $60 back?

Mad at the airline because of bad weather? Seems fair. I am not mad at the airline or anyone else. I consider delays as opportunities for adventures and antifragility enhancements. This trip was particularly rich in antifragile experiences: 1. On my way to BWI there was fire in my metro car. The tr...
by BeneIRA
Thu Aug 16, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying car - help with closing the deal
Replies: 22
Views: 2512

Re: Buying car - help with closing the deal

Thanks to everyone that shared their inputs to my request on buying used cars. After internalizing the points, i shortlisted my wide range to just corolla, civic and just in case, prius/prius-c At this time found a 2016 corolla with about 45000 miles for about $13,000 (16) and a 2017 corolla with a...
by BeneIRA
Sun Aug 12, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7694

Re: Housing affordability - what is your take?

I am in a High Cost of Living Area as well, and unless house prices drop a fair amount, which seems to be inevitable at some point, I know I won't be able to buy a house. I read a rule on here to target a house that is three times your pre-tax income and that sounds about right. So if you make $120,...
by BeneIRA
Sun Aug 12, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1609

Re: Aqua Shoes for Beach

Looking for suggestions on a decent pair of water shoes to wear while at the beach. We have went through plenty of the cheap, under $10 versions, but they aren't very comfortable and don't last long. Would mostly wear them to protect the feet while in the ocean, but would prefer them to be comfy en...
by BeneIRA
Sat Aug 11, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: SPG rewards....sucks?
Replies: 24
Views: 2967

Re: SPG rewards....sucks?

The love affair with SPG points always baffled me, too. The actual redemptions at SPG hotels never seemed worth it and I always ended up transferring them to airline programs. I still have some that have been sitting around for a while and I will probably end up using them at a Marriott at some poin...
by BeneIRA
Sat Aug 11, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off last student loan?
Replies: 8
Views: 780

Re: Should I pay off last student loan?

Dear Bogleheads, I have almost paid down more than $400k of student loans. I have $29k left at 2.96 percent. I have just enough extra cash for the first time where I can pay off the rest of the balance. I am already maxing our tax deferred but not much in taxable. The loans have been a HUGE burden ...
by BeneIRA
Thu Aug 09, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2300

Re: Do Airlines measure checked baggages?

Long term, probably swap it out for a smaller bag, but you should be fine. I have seen quite a few airlines weigh bags, but not measure checked ones. Carry ons get put into the sizer.