Search found 313 matches

by BeneIRA
Tue Dec 12, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 38
Views: 2264

Re: best cashback credit card ?

I dropped mine when earlier this year when the fee went to $95 (and announced that gift card purchases would no longer be rewarded). I believe they still waive the fee the first year. I switched to the no fee everyday version of the card as grocery purchases without any purchases of discounted gift...
by BeneIRA
Fri Oct 20, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 37
Views: 3615

Re: Turning 65, and choosing not to take Medicare Part B

I have fairly comprehensive health coverage in retirement; which I plan to keep. And I will not collect social security till 70 years of age. I am turning 65 in 3 months and am considering not signing up for Medicare Part B. Are their others here who have chosen to not sign up for Medicare Part B? ...
by BeneIRA
Wed Oct 18, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: any good credit card sign up bonuses?
Replies: 15
Views: 1380

Re: any good credit card sign up bonuses?

squirm wrote:
Tue Oct 17, 2017 8:09 pm
I'm looking for a card with good sign up perks. Have csp but missed csr...
We need a lot more information. 5/24 status, what you’re trying to accomplish, cards you already have, how much of a minimum spend you can meet, etc.
by BeneIRA
Mon Oct 16, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1699

Re: Another Job Offer Dilemma

To start, you should counter both offers for at least a 5% to 10% base salary increase. Almost never accept the first offer. It has been said that if a first offer is accepted, both people end up leaving dissatisfied. The person making the offer wonders if they overpaid and if they should have offer...
by BeneIRA
Sat Oct 14, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Anybody know if spouse, who hasn't applied for cards but is authorized user on mine, is affected by my 5/24 count? What I did: Secure Message Chase and ask them to remove your Spouse as an authorized user. Chase will SM you back and tell you that your spouse has been taken off. Reply to them and te...
by BeneIRA
Sat Oct 14, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3070

Re: Boston area Relocation...major decision points

I would explore living in Winchester. It is a beautiful little town just south of Woburn. It is nicer than Woburn, a little closer to Boston, and with a Commuter Rail station that will allow you to take the train into Boston if you wish. Winchester is definitely nice but upscale, as is Lexington wh...
by BeneIRA
Thu Oct 12, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3070

Re: Boston area Relocation...major decision points

OP, I have lived in the Midwest for some time as well as Boston and have spent some time in Denver. My wife at one time worked in the area you are looking at as well. There will be traffic to Woburn. I would probably live in Lexington, Winchester, Arlington, or something around there for the sake of...
by BeneIRA
Thu Oct 12, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Does closing a credit card after 1 year impact my credit in a significant way? Am I better off keeping these reward cards open? My score is around 820, no debt other than mortgage Accounts stay on your credit report for 10 years. They do little to no harm under the current calculation for FICO. Of ...
by BeneIRA
Tue Oct 10, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5849

Re: Made a career mistake- advice/next steps

I got a new job several months ago, but am having second thoughts about the move. During the interview process I was led to believe the role was much more than it has turned out to be. It was presented as a very similar role to my previous job and I was excited to continue on my career growth. I en...
by BeneIRA
Fri Oct 06, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

to those with recent denials: There is a new rule from Bank of America whereby they’ll only approve you for at most two cards per rolling 2 months, three cards per rolling 12 months, and four cards per rolling 24 months. Let’s call this the ‘2/3/4 rule‘. Do you have an article link by chance for th...
by BeneIRA
Thu Oct 05, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: 45% Down Payment vs. High Mortgage (Massachuestts)
Replies: 17
Views: 1682

Re: 45% Down Payment vs. High Mortgage (Massachuestts)

Gross income: $75k/year 401k contribution: $30k/year [43% savings rate] Annual Realized income = $75k - $30k = $35k Location: Northern MA (suburbs). Will also be looking at Southern NH. Savings for house: $90k (Total savings of $100k, but I would like to invest at least $10k into an index fund) Tak...
by BeneIRA
Wed Oct 04, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1807

Re: Visiting Paris - should we buy tickets in advance?

Hopefully you have an ATM card with a bank that does not gouge you with foreign transaction fees, such as Ally. Ally charges a fee for using overseas ATMs. https://www.ally.com/help/bank/atms-withdrawals.html I have a Schwab checking account which doesn't charge foreign ATM fees. When I go on an in...
by BeneIRA
Tue Oct 03, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1807

Re: Visiting Paris - should we buy tickets in advance?

Hopefully you have an ATM card with a bank that does not gouge you with foreign transaction fees, such as Ally. If so, then you can pull out a small sum at an ATM in France. Buying Euros, especially for Paris, makes no sense. I was stunned by all of the places that accepted American Express. In Ital...
by BeneIRA
Tue Oct 03, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Wife and I just applied for the Capital One Spark Cash (business) card. I am something like 24/24 and she is 16/24. Both denied, waiting for the letter explaining why, but it has to be too many inquires. We are 800+ FICO. Anyone else having trouble getting this card? I am nervous that all companies...
by BeneIRA
Tue Oct 03, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Wife and I just applied for the Capital One Spark Cash (business) card. I am something like 24/24 and she is 16/24. Both denied, waiting for the letter explaining why, but it has to be too many inquires. We are 800+ FICO. Anyone else having trouble getting this card? I am nervous that all companies...
by BeneIRA
Tue Sep 19, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

An World Elite MasterCard would provide a complimentary upgrade at National or Avis rental cars. Has anybody used the an World Elite MasterCard for the rental car status upgrade for National or Avis? Does anybody have any experience with status upgrades at National (executive) and Avis (Preferred)?...
by BeneIRA
Tue Sep 19, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: IHG hotel booking - Reward Night unavailable
Replies: 15
Views: 994

Re: IHG hotel booking - Reward Night unavailable

Over the past year, I have tried to use my IHG points and have hit the dreaded No Reward Nights Available. I've never had availability open up for me. Once it's gone, it's gone. Maybe you'll have better luck. Thank you, that's good to know. In that case, in your experience, have you found the need ...
by BeneIRA
Tue Sep 19, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: IHG hotel booking - Reward Night unavailable
Replies: 15
Views: 994

Re: IHG hotel booking - Reward Night unavailable

I recently got a Chase IHG credit card. Almost as soon as a received the signup bonus, the Reward Night I had been "banking on" disappeared. :annoyed The hotel told me they only offer a limited number of Reward Nights, once they are booked that's it. The "only" way I can get a Reward Night, for the...
by BeneIRA
Tue Sep 19, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and also not lose the points I had accumulated before. Arrival + was still an excellent card for high churners....it was something I could go back to every 6 months and get ...
by BeneIRA
Mon Sep 18, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Interesting news about Barclaycard Arrival +. https://www.doctorofcredit.com/is-barclay-denying-those-with-many-new-accounts-similar-to-524-contribute-data-points-here/ Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and ...
by BeneIRA
Thu Sep 14, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Air Berlin fiasco
Replies: 5
Views: 813

Re: Air Berlin fiasco

Wife and I are supposed to be leaving Boston to Florence on Air Berlin Saturday. The company in in bankruptcy and pilots are calling in sick in large numbers. Our outbound flight has been cancelled the past two days and the return flight looks to be permanently cancelled. That is, the route will no...
by BeneIRA
Tue Sep 12, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

... Also to the person asking about the Amex Plat, go incognito to get 75,000 or 100,000. Don't settle for 60,000. Is the 75K/100K offer limited to business? I saw it when incognito but only on small business cards, not personal. The spending requirement for the former is rather high: $20K in 3 mon...
by BeneIRA
Tue Sep 12, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 8144

Re: Best Lower Cost USA Cities to Live

my city - Louisville, KY. mountain bike, walk a river bridge, road bike, pay $5-10 for downtown parking, hike some gnarly knobs, eat some great food from indie chefs all in city limits. if you get bored you can go to Indianapolis (2hrs), Cincinnati/NorKY (1.5hrs), Red River Gorge (2hrs), Nashville ...
by BeneIRA
Thu Aug 24, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1812

Re: Transferring Work Locations - Cost of Living Decrease?

I am considering moving to a lower, 20 percent less, area quite a ways away. That does not mean that you income will go anywhere near 20% farther. A lot of things like Federal taxes, Social Security taxes, retirement savings, etc will also not vary with where you are at. I would be surprised if the...
by BeneIRA
Thu Aug 24, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Amex business cards do not count toward the 5/24 count. Ink Preferred should not count toward 5/24 but IHG definitely does. +1 on Amex business cards not counting. Can anyone else confirm that Chase business cards aren't counted? If they're not counted then my Ink+ wouldn't be counted...which would...
by BeneIRA
Tue Aug 22, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1812

Re: Transferring Work Locations - Cost of Living Decrease?

My employer is not a megacorp but we do have offices all over the world and US. We will not reduce salaries when an employee moves to a LCOL area. However, it may affect the size of future increases. This is especially true if you are above the market salary for your position and location. This was...
by BeneIRA
Tue Aug 22, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1812

Re: Transferring Work Locations - Cost of Living Decrease?

This sort of happened to my spouse when we moved from NYC to DC. She was receiving a promotion at the same time and her pay effectively stayed the same due to the increase from the promotion offsetting the decrease as a result of the move. Absent the promotion they would have cut her pay. Thank you...
by BeneIRA
Mon Aug 21, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 7
Views: 703

Re: Help With Travel to Prague - Vienna - Budapest

We are planning to go to Prague, Vienna & Budapest next May. Probably, fly into Budapest, then take trains to Vienna and Prague, flying back out of Prague. I was thinking of 3 nights in each. Do you think that is sufficient time? Any other tips, suggestions are welcome. Thanks!! Hi Hirlaw, I actual...
by BeneIRA
Mon Aug 21, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1812

Re: Transferring Work Locations - Cost of Living Decrease?

When I worked for Megacorp, Megacorp paid a 'hardship premium' to employees based in Alaska and Hawaii. That was due to the very high cost of living. If the employee left the HCOL area, he also left the hardship premium. I am not aware of any other US areas that were classified as hardship areas. I...
by BeneIRA
Mon Aug 21, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1812

Transferring Work Locations - Cost of Living Decrease?

Hi All, I currently work for a mega corp in a relatively high cost of living area. I am considering moving to a lower, 20 percent less, area quite a ways away. It would be a cross country move. This would be me moving and not mandated by my employer. My employer has offices all over the U.S., so I w...
by BeneIRA
Fri Aug 11, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3651

Re: Can a salaried employee be docked pay...

Yes, but it is very employer specific. Some employers will allow you to have negative PTO where you can use PTO you don't have as long as you will accrue it by the end of the year, but I am trying to wrack my brain to think of one who has allowed an employee to use PTO before they are even eligible ...
by BeneIRA
Fri Aug 11, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 3089

Re: Bough gift cards from cash card.com and somebody else used them all

This is unfortunately extremely common with CardCash. You might be out of luck or CardCash might take pity on you. It is known that sellers, if they are at all reputable, will wait the 45 days, then drain the gift cards if the buyer hasn't used them. The less legitimate of those sellers will immedia...
by BeneIRA
Fri Aug 11, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 7053

Re: Struggling with Justifying an Expensive Car Purchase

OP, this might be an unpopular opinion, but why not lease either the cheaper or more expensive car? Judging based on your responses, I don't believe that you will be satisfied with even the more expensive car once the new one comes out in a few years. I think you're going to be looking over the fenc...
by BeneIRA
Mon Aug 07, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: CC strategy for Europe flight next summer
Replies: 19
Views: 1584

Re: CC strategy for Europe flight next summer

If you aren't flexible, then AA miles won't help you. If this were over a year ago, I would tell you to apply for the increase AAdvantage Citi card for 60,000 miles, have your spouse do the same, then add in a Barclaycard Aviator Red card. That would be 176,000 miles after meeting the minimum spends...
by BeneIRA
Thu Aug 03, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 3188

Re: Buy EZ Pass transponder for road trip?

DW & I are planning a road trip for the fall through several states--primarily in the NE US. We will be taking one of our vehicles but not sure yet which one. Some preliminary trip-planning indicates that we probably will be traveling toll roads in several states. We have little experience driving ...
by BeneIRA
Tue Aug 01, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Any tips for negotiating with extended stay hotels?
Replies: 5
Views: 922

Re: Any tips for negotiating with extended stay hotels?

I have a couple of six week trips coming up and understand that it' best to negotiate locally. Any recommendations for which chain has the best value for an extended stay hotel? (clean, breakfast, gym, etc.)? thanks I did this one time for a month long stay. I used Hotels.com because they have an o...
by BeneIRA
Mon Jul 31, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1576

Re: Florence Hotels.......

I would recommend GoWithOh. Google them. They are a more classy version of Airbnb. They actually have some control over the properties listed. My wife and I got a nice apartment from them for a few nights right in the city center. We loved it and got the place to ourselves whereas in a hotel, we wou...
by BeneIRA
Mon Jul 31, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

Mainly for those of you who use Chase more for ongoing spend, how do you value UR points? I understand the answer to that will differ from person to person but I'm trying to reconcile the value of UR points versus the BofA pair of Cash Rewards and Travel Rewards with Preferred Rewards. Most (all?) ...
by BeneIRA
Fri Jul 28, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6280

Re: TSA Pre-check for free

BTW, if you leave the US on a non US airline, I haven't found any that use Pre Check. So you have to stand in the long line :oops: . Not true. A lot of foreign carriers are starting to partner with PreCheck. https://www.tsa.gov/precheck/participating-airlines Emirates, Ethiad, Lufthansa, and Turkis...
by BeneIRA
Fri Jul 28, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 37
Views: 3556

Re: Need advice - Job

I would just ask for a raise and not mention the offer, as others have noted. If it is a hard no and the money is worth it to you, you could leave and possibly come back down the line.
by BeneIRA
Fri Jul 28, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6280

Re: TSA Pre-check for free

I had never gotten free PreCheck before actually getting it via Global Entry. I am sure there is some algorithm of some sort that gives people free PreCheck, but if your friend gets it every time, I guess there's no reason to apply. I don't think you wasted money. Especially Global Entry. Before I h...
by BeneIRA
Tue Jul 25, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 41
Views: 4474

Re: Anyone use Verizon wireless prepaid for cell phones???

I use Verizon prepaid. I pay $45, $48 with tax per month for 2GB (3GB with autopay bonus) LTE data. Verizon works great in rural areas when camping and is almost as fast as ATT in the California urban area where I live. For 1 or 2 people, I couldn't find a post-paid package that was competitive in ...
by BeneIRA
Thu Jul 20, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA For 1 Month (?)
Replies: 11
Views: 729

Re: COBRA For 1 Month (?)

Ok. I'm kind of afraid - what if I'm in an accident and can't get the paperwork in? (Though they do have a way for you to enroll online) Would the "enroll now but default on the payment" method work? Or would they go after me with the credit bureaus? (I also worry with that option - what if I fill ...
by BeneIRA
Thu Jul 20, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 4336

Re: Flying first class/ business......

My wife and I flew economy on our last trip to Europe. Because of connection issues in Rome, American Airlines booked us on another flight. We have decided on our next trip abroad to upgrade our seating to first or business class. The concern with this decision is what happens if we again need to b...
by BeneIRA
Thu Jul 20, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra Benefits question
Replies: 6
Views: 577

Re: Cobra Benefits question

Hi ~ My boyfriend wants to leave his current job at the end of September and go on Cobra for the maximum 18 months. He is 52 and in good health. He has a job lined up with his family that starts in March 2019 and will provide medical insurance to employees. He has over $1.5 million saved and doesn'...
by BeneIRA
Sat Jul 15, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2364

Re: Time to dump State Farm agent?

I have my home and auto insured with my State Farm agent and have done so for over ten years. She is a nice woman and I realize a restricted agent with an Allstate/State Farm/nationwide type agent can only sell their policies. Why then do I feel weird about leaving her to go to an insurer that is c...
by BeneIRA
Sat Jul 15, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Ally debit card for ATM withdrawals outside the United States
Replies: 25
Views: 2004

Re: Ally debit card for ATM withdrawals outside the United States

Long time Ally customer, with interest checking account among online savings and no penalty CD's. DW and I will be traveling to Canada (Quebec City) next month. From what I understand, if I use my Ally debt card for ATM withdrawals in a foreign country, the FTF will not exceed 1% (as long as I use ...
by BeneIRA
Fri Jul 14, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 2091

Re: Recommendations...Italy

We are going to try to book a trip to Italy for a family vacation next summer and are in the preliminary planning stages. We are looking at tour vs. going on our own, but are leaning towards a tour at this point. We don't need 5 star hotels, because we will be out and about all day trying to see as...
by BeneIRA
Wed Jul 12, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 5283

Re: My first poor Ally Bank experience

It's been out there for a while that Ally doesn't like to be a cog in the chain with a lot of transfers to different banks. I remember a couple of years ago they shut several people down for that. Just something to be aware of.
by BeneIRA
Tue Jul 11, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2318
Views: 420936

Re: What's Your Credit Card Rewards Strategy?

I guess it couldn't hurt but I can't see them matching an offer that expired June 30th. Anyone ever have success getting matched to an expired offer? Kind of. I would still ask and the 50,000 are sometimes targeted. I would SM them now and ask. If they balk at 60,000, try another SM to 50,000. Say ...