Search found 94 matches

by ChiefIlliniwek
Thu Aug 24, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Thanks! We have (and will keep long term) a CSP already...so we get 2X on travel/dining and primary rental coverage. I've done the math and the jump to 3X for the CSR is not good for us long term. The higher AF plus the fee for an A/U (so we can transfer UR points to each others loyalty accounts - ...
by ChiefIlliniwek
Thu Aug 24, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

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 ChiefIlliniwek
Wed Aug 23, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Can anyone explain the Amex Platinum card to me? $550 AF - yikes 60k MR points for $5k spend in 90 days - decent $100 credit for global entry or precheck - decent $200 airline credit for incidentals on only 1 airline - weak sauce compared to CSR 5X MR points on flights booked directly with airlines...
by ChiefIlliniwek
Sat Aug 19, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Best place to sell my used iPhone?
Replies: 28
Views: 3230

Re: Best place to sell my used iPhone?

Check out Swappa. I just sold 2 phones on there and the process was much better than eBay.
by ChiefIlliniwek
Tue Aug 08, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 61
Views: 6695

Re: Eclipse viewing

In the zone of totality you can find eclipse glasses for sale at every convenience store, gas station, flower shop, library, school, fire station and food truck. I remember pinhole devices from when I was a kid, but the glasses are cheap to mass produce now so that's what we have. For those outside...
by ChiefIlliniwek
Mon Aug 07, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: CC strategy for Europe flight next summer
Replies: 19
Views: 1815

Re: CC strategy for Europe flight next summer

You might check out the Citi Prestige, which TPG rated as the best card for American Airlines-related rewards a couple years ago (https://thepointsguy.com/guide/choosing-the-best-card-for-american-airlines-flyers/), and currently has a 75k point sign-up promotion going on. 3x points on air travel a...
by ChiefIlliniwek
Mon Jul 31, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

I just had an interesting experience with the Chase Ultimate Rewards travel portal. I needed to book a specific hotel for specific days in October. Booking through the Sheraton website offered a pre-paid, nonrefundable standard room rate of $164/night, or a refundable standard room rate for $184/ni...
by ChiefIlliniwek
Tue Jul 04, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 4423

Re: Lastpass anyone use it?

Why would you trust your passwords/userids in the cloud? KeePass is safer and you can keep the database on thumb drives (multiple for backup in case) vs the C drive for added safety. Nothing is 100% perfect but storing sensitive info in the cloud seems like asking for trouble. All the data in the c...
by ChiefIlliniwek
Wed Jun 21, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Need quick Marriott Rewards
Replies: 15
Views: 1254

Re: Need quick Marriott Rewards

Before you buy points I would ask them for the extra points first, sometimes they give you a small number of courtesy points and sometimes they don't. I would give it a try before you spend money.
by ChiefIlliniwek
Thu Jun 15, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: College grad building credit history
Replies: 11
Views: 985

Re: College grad building credit history

Assuming you have good credit I would add her as an authorized user to one of your cards with a long history of on time payments and low utilization. Doing this will give her your whole history so if you have had the card for 15 years with no missed payments now she has that on her credit profile. J...
by ChiefIlliniwek
Tue Mar 21, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Anyhow I have rocked out the Amex delta gold and platinum business cards this year to avoid 5/24. Hi guitarguy - yes, great thread. Are you saying that you know for certain that these two don't count? I am keeping a list of ones to apply for that don't count (currently) - some of the references i h...
by ChiefIlliniwek
Thu Mar 02, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Laptop for blogging
Replies: 7
Views: 906

Re: Laptop for blogging

lthenderson wrote:
cheese_breath wrote:One word... Chromebook
Ditto!
x3
by ChiefIlliniwek
Wed Feb 22, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: How to stop AMEX card offers being mailed to me?
Replies: 11
Views: 1676

Re: How to stop AMEX card offers being mailed to me?

Oh you have the 100,000 MR Platinum offer! Many people in the points/miles credit card hobby are very jealous of you. Do you travel at all? It's a very enticing offer. Honestly. Haha. Yeah I realize it is worth at least $550 on paper, but I don't think I can (sensibly) charge enough fast enough. Pl...
by ChiefIlliniwek
Fri Jan 27, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 10188

Re: Best CC for Travel

If you aren't loyal to a specific hotel or airline chain, I would highly recommend the Barclaycard Arrival+. Their point system works like a credit to your account after your trip, so you essentially cover your qualifying travel costs with the points you've built up. Also it's one of the few cards ...
by ChiefIlliniwek
Thu Jan 26, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 10188

Re: Best CC for Travel

If you aren't loyal to a specific hotel or airline chain, I would highly recommend the Barclaycard Arrival+. Their point system works like a credit to your account after your trip, so you essentially cover your qualifying travel costs with the points you've built up. Also it's one of the few cards ...
by ChiefIlliniwek
Wed Dec 07, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get a week on the beach with Credit Card Points -- Mariott Rewards Premier Credit Card(s) or other cards?
Replies: 15
Views: 1794

Re: Trying to get a week on the beach with Credit Card Points -- Mariott Rewards Premier Credit Card(s) or other cards?

Go through Starwood's website and you should get a ad for the Starwood AMEX 30k bonus after 3k spend. You can transfer your 33k SPG points to Marriott and get 99,000 Marriott points. I believe the Starwood offer is only 25k bonus right now, but this is a good strategy, epecially if you fall under C...
by ChiefIlliniwek
Thu Dec 01, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

woohoo! I signed up for the Alaska airlines cc, got approved and spent the minimum the day I got it. I also applied for Hilton Honors, at 75k bonus with no AF, seemed timely. Was approved and waiting to spend on it. I also applied for Chase Fairmont visa. I waited 4 days with no sign of new life in...
by ChiefIlliniwek
Wed Nov 30, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 7067

Re: Which Credit card for a large one-time expense?

My vote...get 2 chase sapphire reserve cards, put 4K on each. That travel credit is extremely flexible. You can use it for toll, taxi (even uber but not uber gift cards), parking, etc. This would require a spouse, no? Otherwise, he won't be eligible for the bonus a second time. I took it that he is...
by ChiefIlliniwek
Tue Nov 29, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Credit Card bonuses
Replies: 19
Views: 3365

Re: Credit Card bonuses

If you're new at this and plan to make it a hobby, get the Chase cards, especially the Reserve, FIRST, then move on to other products. Once you have opened five new lines of credit in 24 months, Chase will start denying you (the infamous 5/24 rule), and it is difficult if not impossible to get arou...
by ChiefIlliniwek
Sun Nov 27, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 7067

Re: Which Credit card for a large one-time expense?

For regular use the FU might be more practical for day to day spending than the CSR or CSP but when talking about the first year it makes no sense to apply for the FU or Freedom. Take the CSR for one year. You pay $450, but you get 100k points and 2 x 300 travel credit. If you don't travel like you...
by ChiefIlliniwek
Thu Nov 24, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 7067

Re: Which Credit card for a large one-time expense?

I second the suggestion for the Freedom Unlimited. I have recently gotten this card, and it's a great companion to the regular Freedom. With the Unlimited you'll get: 1. 1.5% cash back on everything 2. $150 sign-up bonus after spending $500 in the first three months 3. 0% APR for the first 15 month...
by ChiefIlliniwek
Mon Oct 17, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 52410

Re: USAA 2.5% Cash Back Credit Card

What are the 1.87% fee guys vs. the 1.99% fee guys referring to? Is this a fee for paying your estimated taxes to the IRS via credit cards? Yes, it is the fee for paying by credit card. It makes such means of payment uneconomical unless it is a path to something like meeting the minimum spend to ge...
by ChiefIlliniwek
Tue Oct 04, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 5235

Re: Credit cards that have annual fee's, do you have any?

No. It is not worth it to me. I do not make enough purchases to warrant a card with a fee. I am happy with the non-fee cards available. My wife and I have: BOA 3-2-1 card (with an extra 10% of the reward if you deposit into an account), which gives us 3.3% on gas, 2.2 on groceries.) An Amex we use ...
by ChiefIlliniwek
Sun Oct 02, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab account any good/unique features?
Replies: 22
Views: 2919

Re: Schwab account any good/unique features?

I might open a small Schwab account for (1) A small signup bonus (2) The no ATM fee no foreign transaction fee ATM/debit card, which seems to be unique. (I don't see any other bank features that stand out.) But a 3rd reason I didn't see mentioned is (3) I've heard that Schwab is more open (than oth...
by ChiefIlliniwek
Mon Sep 19, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Transfer Citi Thank-you points to United Airlines
Replies: 11
Views: 1550

Re: Transfer Citi Thank-you points to United Airlines

I've never heard of anyone transferring points. (I would not expect one credit card point to equal one airline point since the first is dependent on the dollars you spent while the latter is dependent on miles/route taken.) With credit cards, you can use the credit card points to give you credit (i...
by ChiefIlliniwek
Mon Sep 19, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Interesting- I have 2 Freedom cards, and both are currently active for 5%. I wonder if it has to do with them forcibly converting one (an old 1% rewards card from another system that they just wanted to support) to Freedom or not. It won't let you activate the 5% on the website? Neither my wife nor...
by ChiefIlliniwek
Mon Sep 19, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Interesting- I have 2 Freedom cards, and both are currently active for 5%. I wonder if it has to do with them forcibly converting one (an old 1% rewards card from another system that they just wanted to support) to Freedom or not. It won't let you activate the 5% on the website? Neither my wife nor...
by ChiefIlliniwek
Thu Sep 08, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 5341

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

Saying that "Apple products are expensive" is a bit like saying "Honda products are expensive" Yes, if you wait in line to buy the newest iPhone, pay full $700 price tag, then trade it in two years later at the Verizon store for $100 credit, then yes iPhones are expensive. On the other hand, I just...
by ChiefIlliniwek
Thu Sep 08, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Stay tuned. I think I may have found a way around 5/24. I should know for sure, hopefully, after this weekend, and if so, I will post my workaround. I don't want to do so until I find out if it really worked. My guess is that the 100K promotion will be short-lived, but who knows? I love the intrigu...
by ChiefIlliniwek
Tue Sep 06, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

:arrow: $450 annual fee. https://www.yahoo.com/finance/news/cult-chase-sapphire-credit-card-132204133.html Which is really a net $150 annual fee after the $300/year travel credit, if you are spending at least $300/year on travel (airfare, hotels, taxi, car rental). Also, the credit is per calendar ...
by ChiefIlliniwek
Thu Sep 01, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Email Service Provider
Replies: 41
Views: 3375

Re: Email Service Provider

in_reality wrote:Gmail.

Inbox (Google mail client for iPhone)
GDrive.
Keep (for notes) https://www.google.com/keep/
Google Sheets (to track holdings with GoogleFinance)
X2 on gmail. I host my email there. It is cheap and I have never had one problem.
by ChiefIlliniwek
Mon Aug 22, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

Anybody try to apply for the Chase Sapphire Reserve yet? It goes live online tomorrow, was available in-branch today. Mixed info on whether 5/24 applies yet. Some say that got denied over 5/24, others got approved. I didn't bother to go to a branch yesterday but will apply online today assuming the...
by ChiefIlliniwek
Tue Aug 16, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

CSR looks like a great card. Using the $300 travel reimbursement in 2016 and 2017 alone will net +$150 over the annual fee. The 100k UR points and the $100 discount on round trip flights are just gravy on top. Not too mention all of the other perks. Can't wait! The $100 discount on round trip fligh...
by ChiefIlliniwek
Sat Aug 13, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 6139

Re: Advice about a stop in Chicago

Go to Wiener Circle and ask for a chocolate shake. Thank me later Pequod's is a local favorite but I found it underwhelming. I prefer Lou Malnati's butter crust. Go to Girl and the Goat for brunch. I really enjoyed the Museum of Science and Industry which has a German U505 in the lower level. Reall...
by ChiefIlliniwek
Fri Aug 12, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

And now there's the new Citi 24 month "brand" rule that made headlines last night. And what is that? Here is a link. http://www.doctorofcredit.com/new-citi-rules-limit-one-bonus-per-24-months-per-brand-american-airlines-expedia-hilton-citi-typ/ If you have opened or closed any ThankYou points card,...
by ChiefIlliniwek
Tue Aug 09, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 2817

Re: Should I get a different cassette for my road bicycle? Currently 11-23

It looks like 27 is max recommended for a short cage 6600 rear der, but here is a discussion where some people say you can go to 30T: https://www.reddit.com/r/bikewrench/comments/34ue33/1230_cassette_on_an_ultegra_6600_shortcage/ My experience is that a 12-27 (or 12-28 which should also work) makes...
by ChiefIlliniwek
Mon Jul 18, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Anyone Skilled at Redeeming Credit Card Travel Points?
Replies: 25
Views: 2426

Re: Anyone Skilled at Redeeming Credit Card Travel Points?

awardhacker.com is a great resource to check out the best airline to transfer the miles to. I would also go to Reddit and visit the awardtravel subreddit. Those people know how to work the system and get the best redemption.
by ChiefIlliniwek
Sat Jul 16, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with Costco Citi Card Online
Replies: 5
Views: 1327

Re: Problem with Costco Citi Card Online

I am unimpressed with Citi's online capability. Me too. I have been checking the account online, but it was only showing me the charges I made (not those made by my wife). However, the monthly statement amount included both of our charges....so it looked very awkward to see - for example - $150 of ...
by ChiefIlliniwek
Thu Jul 14, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Any wealthy bogleheads NOT use credit cards??
Replies: 88
Views: 6817

Re: Any wealthy bogleheads NOT use credit cards??

I have a credit card that pays me 6% on groceries, one that pays me 5% on gas and 3% on restaurants, and one that pays me 5% on everything towards anything to do with Harley-Davidson. Why would I turn down free money for things I would be purchasing anyways? I pay no annual fees, I pay off all bill...
by ChiefIlliniwek
Tue Jul 05, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

re Citi Prestige: I am in love with this card. I am normally frugal and don't get cards with AF. Exception was Southwest to get the companion pass, very much worth it and the best deal out there imo. This is second best. Annual fee is $450 (or $350 with citigold account). I managed to get the $350....
by ChiefIlliniwek
Tue Jul 05, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: At what point do you stop... [chasing rates]
Replies: 32
Views: 4523

Re: At what point do you stop... [chasing rates]

We have been doing CC churning for a few months and it will allow us to travel to Asia and Europe in business or first class for basically just some fees. We spend about 2k a month on CCs so meeting min spends aren't an issue and I have a company that I can run some charges through if I need. CC chu...
by ChiefIlliniwek
Fri Jul 01, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 47
Views: 4768

Re: What do you do with Fidelity Rewards?

It reimburses ATM fees anywhere in the US and I believe offers free checks. No interest though. You could consolidate there if you'd like. I have investments at Fidelity due to work and I prefer to keep my investments at separate institutions from my checking/savings, so I don't use the Fidelity Ca...
by ChiefIlliniwek
Fri Jun 17, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 5623

Re: Internet/WiFi speeds and costs

We pay $40 for 100mb/10mb with TWC. We were paying $60 for 30/5 but Google Fiber is coming here so TWC has upped their game and changed us to the 200/15 plan but that is way too much for us so we dropped down one level to 100/10. We both work from home a lot and stream everything but we were fine wi...
by ChiefIlliniwek
Wed Jun 08, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

But we have recently changed since we are getting married and have some international trips planned and are churning some cards right now. In the last year we have signed up for the Chase United, AMEX Delta Gold, Citi AA Platinum, and 2 AMEX SPG. We currently have about 500,000 points between the t...
by ChiefIlliniwek
Tue Jun 07, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 541073

Re: What's Your Credit Card Rewards Strategy?

We used to do cash back AMEX Blue Cash Preferred - gas and groceries Chase Freedom - 5% rotating categories Fidelity 2% Visa - everything else But we have recently changed since we are getting married and have some international trips planned and are churning some cards right now. In the last year w...
by ChiefIlliniwek
Tue May 31, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much can you make from the credit card / bank account game?
Replies: 54
Views: 6348

Re: How much can you make from the credit card / bank account game?

I am in the process of setting up Netspend debit cards with linked savings accounts. As a single person with no spouse, I think I qualify for seven of them. $5,000 each x 7 cards x 5% per year = $1,750 per year, less the fees charged by some of the cards. Not sure how long it will last. With regard...
by ChiefIlliniwek
Tue May 24, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Ally bank as their only bank?
Replies: 34
Views: 9004

Re: Anyone use Ally bank as their only bank?

However, you may need a B&M branch to obtain services such as notary public, signature guarantee, cashiers checks for special occasions, cashing savings bonds, etc. For some reason I thought they did cashier's checks. It'd definitely be a no go for me as only bank without cashier's checks since we ...
by ChiefIlliniwek
Tue May 10, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Checking/Savings/Credit Card
Replies: 16
Views: 1599

Re: Checking/Savings/Credit Card

Hello all, I have been with a brick & mortar bank ever since I opened my first checking/savings account about 10 years ago. I have recently realized that I am probably over-paying and under-utilizing my day-to-day spending/savings vehicles. My checking, savings and credit card are all with the same...
by ChiefIlliniwek
Thu May 05, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Preferred
Replies: 53
Views: 8019

Re: Chase Sapphire Preferred

Citi has an American Airlines card, AAdvantage Platinum, which has a bonus offer of 50,000 miles after $3000 in spend, with the annual fee waived the first year. Search around a bit online and you should be able to find this offer. It sounds like a better fit for your travel plans. The 50,000 mile ...
by ChiefIlliniwek
Tue Apr 26, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Teens cutting lawns and liability
Replies: 9
Views: 2344

Re: Teens cutting lawns and liability

Like others cutting grass was one of my summer jobs during high school and college. I would rather have a teenager cut my yard than a service. Why don't you have a talk with them about getting insured if you are really worried about it? You could also talk to their parents about it. It is great mone...