Search found 1360 matches

by guitarguy
Mon Oct 31, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Tackling Student Loan Debt v. Saving and investing
Replies: 25
Views: 2053

Re: Tackling Student Loan Debt v. Saving and investing

If I opt to consolidate with a private lender, if I get a substantially lowered rate with a variable rate loan would anyone recommend the variable rate? I'm not sure what others experiences are...maybe mine is different...and/or lucky...but: I have had private variable rate student loans for years,...
by guitarguy
Fri Oct 28, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tackling Student Loan Debt v. Saving and investing
Replies: 25
Views: 2053

Re: Tackling Student Loan Debt v. Saving and investing

We actually just sold a house and moved due to a new job. Rent is about 1600 my previous mortgage was 1400 so I'm not as concerned about buying a house since we keep our housing costs low and housing is relatively affordable in the area. I figure rent/mortgage is essentially a fixed cost but with a...
by guitarguy
Fri Oct 28, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I'd say Amex MR points are close behind UR points. They have plenty of airline transfer partners, and if you have the Business Platinum you can essentially get 2 cents per point booking flights through their portal. The Business Platinum also currently has a 100,000 point signup bonus, although the...
by guitarguy
Fri Oct 28, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Insurance from rental car company
Replies: 11
Views: 781

Re: Insurance from rental car company

If you rent cars at all often, consider this as a factor when choosing credit cards. I agree. I have a Chase Sapphire and will be using the CDW coverage for the first time when I travel to Costa Rica next week. The rental car company told me I had to have a letter from Visa stating that I will be c...
by guitarguy
Fri Oct 28, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Insurance from rental car company
Replies: 11
Views: 781

Re: Insurance from rental car company

First, ask yourself why they push to sell it you so hard. :wink: Same goes for the "we'll fill up the gas for you" nonsense. Both have the company coming out ahead in virtually 99.9% of cases. Second, credit cards, even fee-free ones, with basic rental coverage are easy to find. If you ren...
by guitarguy
Fri Oct 28, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Stundent loan transfer in 2012 hurting my credit and costing me thousands..
Replies: 23
Views: 2069

Re: Stundent loan transfer in 2012 hurting my credit and costing me thousands..

My SO had to ask to have things removed from her credit report (though it was a late credit card not student loan) before buying a house. She simply called the company itself first. They were very nice and she just had to fill out a form saying what happened and voila! 2 months later it was gone. I...
by guitarguy
Fri Oct 28, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I'm tapped out on Chase cards due to 5/24. I'm looking ahead to a family trip to South America in 2019. Thinking of beginning to collect AmEx points while still collecting UR points with Freedom/sapphire card. Any advice on how AmEx points have worked for you? I'd say Amex MR points are close behin...
by guitarguy
Thu Oct 27, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 199
Views: 24045

Re: Chase Sapphire Reserve

When signed up for a dining program you can get up to 3 points and 5 miles per dollar posted for dining if you dine 10 + times Can you please tell us what's the dining program and how to sign up for it? Just google "United dining" or "Delta dining" or the like, and it will come ...
by guitarguy
Thu Oct 27, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Stundent loan transfer in 2012 hurting my credit and costing me thousands..
Replies: 23
Views: 2069

Re: Stundent loan transfer in 2012 hurting my credit and costing me thousands..

What an informative and helpful thread. Sorry. You need to dispute the inaccurate information with the 3 major credit bureaus. If I'm not mistaken, the loan servicer will have to send proof that these payments were late. If they don't, the negative marks I believe need to be removed from your repor...
by guitarguy
Thu Oct 27, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Worth Keeping AMEX Gold Delta Skymiles CC?
Replies: 13
Views: 1085

Re: Worth Keeping AMEX Gold Delta Skymiles CC?

Not to hijack the thread, but having just got myself the Delta Skymiles Platium card for the 70k signup bonus, I wanted to know:

Do you have to pay for the flight on your card to check a bag for free? Or can you check one for free if you book a reward flight with miles too?
by guitarguy
Thu Oct 27, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Stundent loan transfer in 2012 hurting my credit and costing me thousands..
Replies: 23
Views: 2069

Re: Stundent loan transfer in 2012 hurting my credit and costing me thousands..

So I have another thread going about a home purchase. We are doing the mortgage paperwork and my wife's credit score is a 722 while mine is a 771. My wife's would be a 740+ if not for a loan servicer reporting 6 of her student loans were late in 2012 (they weren't) This score discrepancy is costing...
by guitarguy
Thu Oct 27, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2275

Re: I need career and financial advice

fpr4 wrote:
Andyrunner wrote:
How long have you worked for them?


9 years


$50k for an architect with 9 yrs experience!!??

I imagine it might have a bit to do with your location...but wow that seems ridiculously low to me.
by guitarguy
Wed Oct 26, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Thanks for all of the responses. I decided to open up the AmEx Everday Preferred card. I have a British Airlines Chase card, so I am going to go for points in that direction. Also applied for the SPG card, can't believe I never looked at that option closely. Was not immediately approved, applied sa...
by guitarguy
Wed Oct 26, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I'm tapped out on Chase cards due to 5/24. I'm looking ahead to a family trip to South America in 2019. Thinking of beginning to collect AmEx points while still collecting UR points with Freedom/sapphire card. Any advice on how AmEx points have worked for you? I'd say Amex MR points are close behin...
by guitarguy
Mon Oct 24, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3195

Re: Preferred "disk cloning" software?

Ahh...another reason I love my MacBook. No software required. :twisted: :mrgreen: Time Machine rocks. If this sort of thing is a big deal to a consumer considering a home PC purchase, this is the deal maker for the Mac. Yes, Time Machine does rock. But Mac also has a built in data migration tool fo...
by guitarguy
Thu Oct 20, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 3195

Re: Preferred "disk cloning" software?

Ahh...another reason I love my MacBook.

No software required. :twisted: :mrgreen:
by guitarguy
Thu Oct 20, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Anyone have a good garment bag?
Replies: 4
Views: 454

Re: Anyone have a good garment bag?

Is this for airplanes or car travel? Good point...I didn't really specify much regarding the use. I'll be using it for local car travel. When my band performs at weddings or corporate type events...I prefer to get the bulk of the work done for setup and sound check and everything in jeans and sneak...
by guitarguy
Thu Oct 20, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Anyone have a good garment bag?
Replies: 4
Views: 454

Anyone have a good garment bag?

I bought a $15 garment bag about a year ago and after using it probably 10 times or so, it has already ripped and is kind of falling apart. You get what you pay for I guess. Now I find myself needing a replacement. Some criteria I'm looking for: 1. Needs to have space for a suit as well as a pocket ...
by guitarguy
Thu Oct 13, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Seems you're right. That sucks...especially considering I haven't been notified of this whatsoever. I will press Amex hard to offset that fee increase or I'll dump the card altogether out of principle. I think there was some notice I got in the mail actually for this. Regardless, I'm likely to down...
by guitarguy
Thu Oct 13, 2016 6:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Your Amex card is now $95/year... No it's not. That fee increase is only for new applicants. Actually it is. While the new fee was only charged to new applicants immediately, it will apply to every card holder on their next anniversary date. There is no grandfathering. Seems you're right. That suck...
by guitarguy
Wed Oct 12, 2016 6:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Amex BlueCash Preferred 6% back on groceries ($6k limit), 3% at dept stores, 1% on everything else $75 annual fee Used for groceries only except for the first grocery trip of the month Sallie Mae Barclaycard (Discontinued) 5% back on gas ($250 max/month), 5% back on books (including Amazon.com for ...
by guitarguy
Mon Oct 10, 2016 6:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I wouldn't get too caught up in getting the "greatest value". I read that on all the sites - only use for international, only use for business class, etc. That is great, but I decided to get points in order to get my family to Italy. I guess if you are single, or a couple, it is great to ...
by guitarguy
Thu Oct 06, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I don't see that anywhere. I just clicked again and took a screenshot that I can't figure out how to attach. After that I went back to try to capture the URL and it's gone. Strange. -Steph Weird. Anyways from all sources the fee looks like it's $195, not waived first year. So I wouldn't expect any ...
by guitarguy
Thu Oct 06, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Right now I'm eyeing what's supposedly the best offer from Amex in a while for Delta Skymiles...70k miles on their platinum card. They are also offering 50k miles on their gold card, however I read that 60k miles has also been offered so the 50k isn't the greatest in recent history like the 70k pla...
by guitarguy
Thu Oct 06, 2016 8:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Note to those like me that are out of the Chase game due to the 5/24 rule... For the record I'm at exactly 5/24 and am still debating trying to get preapproved at a branch for the CSR :? :? :? But I haven't decided whether I'm going to go for this or not. I'm kinda nervous to get denied...although i...
by guitarguy
Fri Sep 30, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Figured the wealth of knowledge would be a good place to post this question...although I also gave it it's own thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=200440 Question is: You'd think this question would be easy to answer...but I haven't found a clear explanation online... ...
by guitarguy
Thu Sep 29, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Chase UR Point Transfer Question
Replies: 4
Views: 526

Re: Chase UR Point Transfer Question

"The information in your travel profile must match the personal information in your desired loyalty account. You cannot transfer points to accounts of other persons. The only exception is if you have an authorized user on your account; you can add them as the only other authorized person to tr...
by guitarguy
Thu Sep 29, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Chase UR Point Transfer Question
Replies: 4
Views: 526

Re: Chase UR Point Transfer Question

"The information in your travel profile must match the personal information in your desired loyalty account. You cannot transfer points to accounts of other persons. The only exception is if you have an authorized user on your account; you can add them as the only other authorized person to tr...
by guitarguy
Thu Sep 29, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Figured the wealth of knowledge would be a good place to post this question...although I also gave it it's own thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=200440 Question is: You'd think this question would be easy to answer...but I haven't found a clear explanation online... C...
by guitarguy
Thu Sep 29, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Chase UR Point Transfer Question
Replies: 4
Views: 526

Chase UR Point Transfer Question

You'd think this question would be easy to answer...but I haven't found a clear explanation online... Can I transfer Chase UR points from my account to my wife's frequent flyer account at United (rather than my own)? I would be doing this without transferring the UR points to a Chase account in her ...
by guitarguy
Wed Sep 28, 2016 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 940

Re: Hiring a PR person/team to promote music business: worth it?

How much are you making now selling your music online? Can you afford that much overhead? My songs are streaming online about 1,000 streams per week. Not much in terms of actual purchases. My goal is revenue of $200-500 per month but that may take 9-12 months. I think that goal could be obtained so...
by guitarguy
Tue Sep 27, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 940

Re: Hiring a PR person/team to promote music business: worth it?

How much are you making now selling your music online? Can you afford that much overhead?
by guitarguy
Tue Sep 27, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3366

Re: Companion Dogs for an older person

What about a cat? Heh?? Why on earth would someone want one of those? :mrgreen: :wink: OP - post a pic of your mom's new best friend when she gets him/her home. So you can have a small audience while playing guitar. Plus, they're really cool. :sharebeer Cats automatically find the litter and use it...
by guitarguy
Fri Sep 23, 2016 5:57 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3366

Re: Companion Dogs for an older person

denovo wrote:What about a cat?


Heh?? Why on earth would someone want one of those? :mrgreen: :wink:

OP - post a pic of your mom's new best friend when she gets him/her home.
by guitarguy
Thu Sep 22, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3366

Re: Companion Dogs for an older person

I would think hard about an adult dog as opposed to a young dog or puppy. Most of the time they are mellowed out and easier to handle, housebroken, many times crate trained, etc...especially for someone a little older they are usually a better fit. A rescue dog with a good temperament would be an ex...
by guitarguy
Thu Sep 22, 2016 6:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I have started tipping my toes in MS. Not in large volume. I bought a single $500 OneVanilla VISA about 3 weeks ago on my CSR, with a $4.95 fee. It took several trips to find a CVS store that would sell it to me. Today, I bought two more $500 OneVanilla at the same CVS store with my Barclay Arrival...
by guitarguy
Tue Sep 20, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5971

Re: How I circumvented Chase's 5/24 rule

I've had a normal Chase savings account for a while now, but not Private Client. I'm above 5/24, but I walked in, waited to talk to a banker (again, not as PC) and the preapproval popped up on his screen right away. Interesting. Part of me wants to give this a shot. I have had a Chase checking and ...
by guitarguy
Mon Sep 19, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Just booked a flight to CA on United for Jul 2017 for the week of the 4th for the wife and I. 2.204 cpp. Optimal times for us to leave/arrive, and nonstop flights. 8-) 8-) 8-) Can you give more specifics ? Was it economy or business//first class ? And what cities ? DTW to SFO. Economy class. Flight...
by guitarguy
Mon Sep 19, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Just booked a flight to CA on United for Jul 2017 for the week of the 4th for the wife and I. 2.204 cpp. Optimal times for us to leave/arrive, and nonstop flights. 8-) 8-) 8-) Can you give more specifics ? Was it economy or business//first class ? And what cities ? DTW to SFO. Economy class. Flight...
by guitarguy
Fri Sep 16, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1493

Re: Where Do BHs Register Business Web Domains?

I have my 30+ domains at namecheap.com. Never had any issues, and yes you can redirect the domain to any URL of your choice. thank you very much do you now if the new domain may be actually used as the main URL for that already existing site? I mean, so that when people type the new name the URL na...
by guitarguy
Fri Sep 16, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1493

Re: Where Do BHs Register Business Web Domains?

Lieutenant.Columbo wrote:
guitarguy wrote:GoDaddy.

Have had it for several years and it's been dead reliable.

Price seems to go up a couple bucks every year or two, but you can usually find a promo code online anyways.


thank you,

do you know if GoDaddy allows for redirecting the domain to an already existing site?


yes they do.
by guitarguy
Fri Sep 16, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1493

Re: Where Do BHs Register Business Web Domains?

GoDaddy.

Have had it for several years and it's been dead reliable.

Price seems to go up a couple bucks every year or two, but you can usually find a promo code online anyways.
by guitarguy
Fri Sep 16, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

I will look at bookings for Xmas season next. I know ticket prices go through the roof. My employer has a shutdown with 3 forced vacation days (where you can't work and have to take those days from your balance) on top of the 2 regular paid holidays. That's a big incentive to travel that week. ... ...
by guitarguy
Tue Sep 06, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Light fixture's ground wire
Replies: 17
Views: 1330

Re: Light fixture's ground wire

Totally normal.
by guitarguy
Fri Sep 02, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

lostdog wrote:I value simplicity more. If we lose the card we'll have a debit card and cash to get us by until the issue is resolved.


True. But the suggestion as to getting a fee-free flat 2% card for everything is still a good one either way! :beer
by guitarguy
Fri Sep 02, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 7872

Re: Frustrated Losing Weight!

On too many medications fighting my type 2 diabetes...weight loss would help a lot I know. Trend diet work in the beginning but it's not something you can live with. Anyone have any suggestions for low carb breakfast...I know what to do, I just need to find the right motivation...perhaps the threat...
by guitarguy
Fri Sep 02, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 7872

Re: Frustrated Losing Weight!

On too many medications fighting my type 2 diabetes...weight loss would help a lot I know. Trend diet work in the beginning but it's not something you can live with. Anyone have any suggestions for low carb breakfast...I know what to do, I just need to find the right motivation...perhaps the threat...
by guitarguy
Thu Sep 01, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Received CSR card by expedited mail. The card is thick and heavy! Seems to have a metal layer. The global entry credit is only one time and for one user, right? For my husband to get his credit, he will need to have a card, right ? Or only one credit for one account? I called CSR benefit specialist...
by guitarguy
Thu Sep 01, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1166
Views: 144886

Re: What's Your Credit Card Rewards Strategy?

Received CSR card by expedited mail. The card is thick and heavy! Seems to have a metal layer. The global entry credit is only one time and for one user, right? For my husband to get his credit, he will need to have a card, right ? Or only one credit for one account? I called CSR benefit specialist...

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