Search found 521 matches

by BeneIRA
Thu Jan 17, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 6946

Re: How much house can I afford (really)?

So, this post is going to have a lot of different points thrown out there, a sort of spaghetti at the wall approach. I have read every reply. I have a ton of respect for you for putting yourself out there and taking criticism and different opinions. I don't know if I would be so brave. 1. OP, if you...
by BeneIRA
Thu Jan 17, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 26
Views: 2367

Re: Car reviews - Consumer Reports or other sources?

I had a subscription for a few years, but their car advice seemed to be getting further and further away from what I was hoping for. I have had Hondas and Toyotas for a very long time, so I have a certain bias as well, but when they kept marking down the Ford suite of vehicles due to issues with th...
by BeneIRA
Wed Jan 16, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 26
Views: 2367

Re: Car reviews - Consumer Reports or other sources?

I had a subscription for a few years, but their car advice seemed to be getting further and further away from what I was hoping for. I have had Hondas and Toyotas for a very long time, so I have a certain bias as well, but when they kept marking down the Ford suite of vehicles due to issues with the...
by BeneIRA
Fri Jan 11, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 616046

Re: What's Your Credit Card Rewards Strategy?

Southwest Companion offer. https://thepointsguy.com/news/southwest-cards-current-offers/ Is the annual fee waived for the first year? Does anyone know? No, it is not. I highly recommend Doctor of Credit for resources as opposed to The Points Guy, who is the Edward Jones of the points and miles worl...
by BeneIRA
Tue Jan 08, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab AMEX Platinum Card
Replies: 14
Views: 1054

Re: Schwab AMEX Platinum Card

Funny you should ask about Chase Sapphire Reserve. I currently hold Chase Sapphire Preferred. They send me something offering 60K to go with CSR, but when I called they said (a) my Preferred can be upgraded to Reserve, but I do not get the 60K and (b) I cannot get another card with Chase if I wante...
by BeneIRA
Tue Jan 08, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20400

Re: Best town I've never heard of [for relocating]

Vancouver, Wa. Nice weather, a bit wet during the winter, little snow Portland, Oregon across the Colombia river - right next door Sail on the Colombia, ski in the Cascades, windsurf at Hood River Gorge, hike everywhere No income tax in Washington. Pop across the river and buy all your stuff in Ore...
by BeneIRA
Tue Jan 08, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20400

Re: Best town I've never heard of [for relocating]

That's easy, Bloomington, Indiana. It's 45 minutes South of Indianapolis. Bloomington, IN is a great town, meets all of your criteria. It has lots of culture per capita, if that is an actual metric. My only reservation is that besides rolling hills, it lacks interesting geography. And it also has t...
by BeneIRA
Tue Jan 08, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab AMEX Platinum Card
Replies: 14
Views: 1054

Re: Schwab AMEX Platinum Card

Just got one after reading about it on this forum. Took literally two minutes on my Schwab account website. The perks look amazing and make up for the yearly fee IMO. Any tip/tricks out there with this card? I linked it to my SW Airline account but not sure if it rebates early bird fees or not. Any...
by BeneIRA
Sat Jan 05, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2587

Re: Carryon for 7-day FL vacation?

Multiple two plus week trips to Europe and other areas. Never checked a bag, just a carry on. You can do laundry and if you need something or forgot something, most places have stores.
by BeneIRA
Sat Jan 05, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7322

Re: Engagement Ring (Affordable)

Did not see diamonds.pro mentioned. They will help you pick a great diamond from typically James Allen, which is a great online diamond seller. I had great success with them and recommend them to everyone.
by BeneIRA
Sat Jan 05, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7769

Re: United, American Airlines, Delta--about the same?

I have flown quite a bit the last few years on all three airlines along with Southwest and JetBlue. Just took my first Alaska. JetBlue and Southwest are better than the big three. I have had terrible luck with Delta, but I know it was a bad run for them. Got caught in a couple of their system crashi...
by BeneIRA
Thu Dec 27, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Loss of Job
Replies: 12
Views: 1460

Re: Loss of Job

Sorry to hear about the loss of job. We will need a lot more information to make a valued analysis. Are you in New York (high state income tax, high COL) or Florida (Lower cost of living, no state tax on that lump sum)? Is your house almost paid off? Interest rate? Monthly expenses? It's all relevan...
by BeneIRA
Wed Dec 26, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Hassle Factor Changing Credit Cards
Replies: 23
Views: 1658

Re: Hassle Factor Changing Credit Cards

Virtually no hassle. What card is it? I am going to guess a Capital One Venture. With the majority of cards, you can product change to a no fee card to keep your credit history. Don’t cancel it as your score will tank.
by BeneIRA
Sun Dec 23, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 616046

Re: What's Your Credit Card Rewards Strategy?

On UR vs. MR. I would rather have the Chase Sapphire Reserve + Chase Freedom (or two) + Chase Freedom Unlimited. For me, I don't do business cards, so the Blue Business Plus is out. The Amex Gold card I don't value the credits at face value. $80 for the $100 air credit that Jags quotes is fair to m...
by BeneIRA
Sat Dec 22, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 616046

Re: What's Your Credit Card Rewards Strategy?

On UR vs. MR. I would rather have the Chase Sapphire Reserve + Chase Freedom (or two) + Chase Freedom Unlimited. For me, I don't do business cards, so the Blue Business Plus is out. The Amex Gold card I don't value the credits at face value. $80 for the $100 air credit that Jags quotes is fair to me...
by BeneIRA
Sat Dec 08, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Issues
Replies: 5
Views: 428

Re: Dependent Care FSA Issues

It has to do with non-discrimination testing. Each year typically, there will be a review done and DCFSA is a very common fail point for many companies. If too many HCEs are enrolled in it, then it is too too heavy and a company will have to take action, usually limiting employees who are HCEs to a ...
by BeneIRA
Tue Dec 04, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3281

Re: What to negotiate in offers

HardHitter, Congrats on the job offer and I trust they know little about how their total comp compares to your current comp. I've hired hundreds of people and been hired 7-8 times myself and have always enjoyed a bit of good natured negotiation. Usually, there is at least some room to improve an of...
by BeneIRA
Thu Nov 29, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card question
Replies: 12
Views: 1203

Re: Credit card question

What credit card(s) did you apply for? Did you apple for a Capital One card or an American Express? They give those out like candy.
by BeneIRA
Sat Nov 24, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4844

Re: Should I sell my house?

OP - It's a no brainier ... Keep the SF house and rent in Boston for a year. It is just too much of a shift so you need to make sure you actually like it in Boston and won't flee back to SF. The trouble with living in the coastal regions of CA is one forgets that the rest of the country is very dif...
by BeneIRA
Sat Nov 24, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4844

Re: Should I sell my house?

Speaking as someone else with experience in Boston, I would sell the Bay Area house and absolutely rent in Boston for a year . It is completely different from the Bay Area and you may not like it. Don’t put yourself in a situation where you are stuck in a place you don’t want to be. Rent for a year...
by BeneIRA
Sat Nov 24, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1166

Re: COBRA [signing up for the first time]

COBRA is a continuation of the coverage that you had as an active employee. Most insurance companies don't even know/care that you are on COBRA. The only differences are the costs, which are much higher, and that you pay with post-tax dollars . You have 60 days to sign up and then get 45 to pay you...
by BeneIRA
Fri Nov 23, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4844

Re: Should I sell my house?

Speaking as someone else with experience in Boston, I would sell the Bay Area house and absolutely rent in Boston for a year. It is completely different from the Bay Area and you may not like it. Don’t put yourself in a situation where you are stuck in a place you don’t want to be. Rent for a year, ...
by BeneIRA
Fri Nov 23, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Renting car in Chicago - Christmas - what to expect?
Replies: 14
Views: 1298

Re: Renting car in Chicago - Christmas - what to expect?

AWD vehicles don't matter nearly as much if the tires are awful. For a rental car, I wouldn't expect premium, top-shelf tires. I would also expect sky-high prices. As long as you are careful, you should be fine. It may snow, it may not. I drove in Chicago and the suburbs for quite a few years and fo...
by BeneIRA
Fri Nov 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1166

Re: COBRA [signing up for the first time]

COBRA is a continuation of the coverage that you had as an active employee. Most insurance companies don't even know/care that you are on COBRA. The only differences are the costs, which are much higher, and that you pay with post-tax dollars. You have 60 days to sign up and then get 45 to pay your ...
by BeneIRA
Thu Nov 15, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3175
Views: 616046

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: 480

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: 1044

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: 396

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: 3175
Views: 616046

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: 3175
Views: 616046

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: 4314

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: 1810

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: 74
Views: 4305

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: 10226

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: 1038

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: 8812

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: 2057

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: 4170

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: 4170

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: 1798

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: 7344

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: 7344

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: 3175
Views: 616046

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: 3175
Views: 616046

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: 726

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: 726

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: 726

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: 4016

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: 4016

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: 3175
Views: 616046

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...