Search found 1360 matches

by guitarguy
Thu Sep 01, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

Appreciate the input. Seems like the 5x rotating categories may suit me better - just have to remember to use the card as I only carry one or two cards in my wallet daily. Do you guys plan on keeping the CSR for good? I now have CSR, And CSP, which I will be downgrading to Freedom. Spouse has CSP a...
by guitarguy
Thu Sep 01, 2016 6:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

We still have the Amex BCP for groceries...until Chase comes out with a 5X card for groceries I won't let go of this one. Since you have the Freedom, I'm guessing that groceries has been one of the rotating 5% categories in the past - not all the time. This quarter, warehouse clubs are on the list ...
by guitarguy
Wed Aug 31, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

$2919, don't forget you need to spend an extra $300 in travel and redeem the credit to offset the $450 total fee. Unless Chase lets you double dip and earn 3X plus get the credit...not sure how that would work. Maybe they would. For now I'll assume they won't. I average about 1.8 cpp on UR point tr...
by guitarguy
Wed Aug 31, 2016 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

[ In comparing the CSR and CSP above, I don't think you're doing the cards justice by saying you're redeeming points at 1.25% for the CSP and 1.5% for the CSR. In fact I think you're devaluing the points by choosing to redeem them that way. I disagree that you're stuck getting less value per point ...
by guitarguy
Wed Aug 31, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

So with the CSR, I have $210 in rewards less $160 annual fee which is a net $50. And with the Fidelity VISA and Capone MC, $140 with zero annual fee which is a net $140. Why is there an additional $160 annual fee for the CSR? $450 annual fee - $300 travel credit = $150 annual fee. $360 rewards - $1...
by guitarguy
Wed Aug 31, 2016 7:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

So with the CSR, I have $210 in rewards less $160 annual fee which is a net $50. And with the Fidelity VISA and Capone MC, $140 with zero annual fee which is a net $140. Why is there an additional $160 annual fee for the CSR? $450 annual fee - $300 travel credit = $150 annual fee. $360 rewards - $1...
by guitarguy
Tue Aug 30, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 2514

Re: Fit bit

Emilyjane wrote:Like my Fitbit charge HR. Hasn't been durable, but they are good about replacing it within the one year warranty period.


^ Same for me here.

Did have a replacement sent as well after about 7 months, they were easy to deal with.
by guitarguy
Fri Aug 26, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13208

Re: Best Use of Ultimate Rewards Points

If you buy the ticket through the Chase portal, whether or not you use points, I believe you will earn miles. Why wouldn't you? I was thinking specifically of paying CASH (i.e. charging the ticket to the Chase credit card instead of paying with points). The reason I ask is that when my father purch...
by guitarguy
Fri Aug 26, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13208

Re: Best Use of Ultimate Rewards Points

If you're ineligible for the bonus, you can product change the CSP to the CSR. I was refunded my annual fee on CSP $95 (free first year) and charged the $450 on the same statement. Expiration date and CVR changes but not account history. The $450 annual fee will be covered by $300 in travel credit ...
by guitarguy
Fri Aug 26, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fear and Trembling (Aug. 31st is my last day at work)
Replies: 77
Views: 9970

Re: Fear and Trembling (Aug. 31st is my last day at work)

Paddymac - my instrument is guitar, and I hope to use "intentional practice" - read up on it or listen to the podcast on freakanomics.com. It's not how much you practice, it's how "intentionally" you practice. Actually, your description sounds like you have this learning method ...
by guitarguy
Fri Aug 26, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13208

Re: Best Use of Ultimate Rewards Points

sorry if this has been answered already, but to flights purchased through Chase ultimate rewards earn miles on the airline flown? Or does purchasing through Chase classify the ticket as one which is not eligible to earn miles with? You still earn miles. If you purchase with cash you earn miles on t...
by guitarguy
Fri Aug 26, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13208

Re: Best Use of Ultimate Rewards Points

Thinking- if you want to keep an UR card, it might be worth keeping the Reserve over the Preferred beyond a year. If you spend $300 on travel per year, the cost would only be $55 annually over the cost of the preferred second year and going forward. And the perks may be worth the extra cost. I got ...
by guitarguy
Fri Aug 26, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13208

Re: Best Use of Ultimate Rewards Points

Thinking- if you want to keep an UR card, it might be worth keeping the Reserve over the Preferred beyond a year. If you spend $300 on travel per year, the cost would only be $55 annually over the cost of the preferred second year and going forward. And the perks may be worth the extra cost. I got ...
by guitarguy
Fri Aug 26, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 13208

Re: Best Use of Ultimate Rewards Points

neurosphere wrote:sorry if this has been answered already, but to flights purchased through Chase ultimate rewards earn miles on the airline flown? Or does purchasing through Chase classify the ticket as one which is not eligible to earn miles with?


You still earn miles.
by guitarguy
Wed Aug 24, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

One could argue that the optimal strategy for UR points is better served with the CSR as a "one year and done" card, and keep the CSP around instead. Will the extra 1% on travel and dining, combined with the $300 annual travel credit, be enough to offset that $450 AF? Hmm...looks like I s...
by guitarguy
Tue Aug 23, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

One could argue that the optimal strategy for UR points is better served with the CSR as a "one year and done" card, and keep the CSP around instead. Will the extra 1% on travel and dining, combined with the $300 annual travel credit, be enough to offset that $450 AF? Hmm...looks like I s...
by guitarguy
Tue Aug 23, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

hey all. two things. 1. i think i messed up ROYALLY about a month ago when i transferred ~125K UR points for cash back instead of using them towards flights/travel which would have really extended the bang-for-the-buck factor. :oops: 2. i just got approved for a Chase Sapphire Reserve. my only othe...
by guitarguy
Mon Aug 22, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

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 guitarguy
Mon Aug 22, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13573

Re: The True Cost of Owning a Dog

The vet remarked that our dog (6 years old) is one of the few they see with no health problems. We attribute this to a good healthy diet. Dogs, like people require good food for good health. Don't be cheap on dog food, or you will pay expensive health bills down the road. Nonsense. We have 2 dogs o...
by guitarguy
Fri Aug 19, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Strategy/Recommendations
Replies: 10
Views: 1691

Re: Online Savings Account Strategy/Recommendations

We leave our cash savings in Ally online savings accounts earning about 1% or whatever.

We don't move around to chase any promo offers for banking.

We do jump on credit card signup bonuses tho. :mrgreen:
by guitarguy
Fri Aug 19, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13573

Re: The True Cost of Owning a Dog

The vet remarked that our dog (6 years old) is one of the few they see with no health problems. We attribute this to a good healthy diet. Dogs, like people require good food for good health. Don't be cheap on dog food, or you will pay expensive health bills down the road. Nonsense. We have 2 dogs o...
by guitarguy
Fri Aug 19, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13573

Re: The True Cost of Owning a Dog

But I was tracking dog and cat expenses separately. Simply feeding our healthy Labrador retriever blew past the cat's medical expenses, not to mention the dog's preventive vet bills, boarding costs and grooming (about $40/month for the dog), training, and a succession of leash-like devices designed...
by guitarguy
Fri Aug 19, 2016 6:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

I have been using AMEX Blue Cash Card for quite a number of years. Just received a letter from AMEX stating that my Blue Cash card will be discontinued and I will receive the Blue Cash Everyday Card which offer cash back on purchases of 3% in US supermarkets, 2% US gas stations, 2% US department st...
by guitarguy
Wed Aug 17, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

how do you guys decide to use points vs cash back cards? Both of us uses a CSP and we have over 100K points each, but never used. Not sure how to use them! Debating if I should get the CSR - also thinking of the fido 2% cash back. We try to use Amex for 6% grocery and Penfed for 5% gas back 8-) htt...
by guitarguy
Wed Aug 17, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13573

Re: The True Cost of Owning a Dog

First of all, I think an important thing to note here is that this number can vary WIDELY depending on the dog. My brothers dog has all kinds of allergies, needs special food and meds, etc. Very $$. We're lucky that both of our dogs do great on Kirkland dog food, and (again very lucky) are very heal...
by guitarguy
Wed Aug 17, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

I use the Southwest Airlines Visa card. I pay my son's college tuition on it. I live in New York, he studies in Florida. I have not "paid" for a flight for him to come home yet. Too bad my daughter's school charged a 3% surcharge! I would have a lifetime of miles! I ran into this too...I ...
by guitarguy
Wed Aug 17, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

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 guitarguy
Tue Aug 16, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

I'm excited about the Chase Sapphire Reserve that's supposed to go live next week. I'm just hoping the 5/24 rule doesn't hit me. -Steph Wow. That card looks amazing! :shock: $300 annual travel credit plus $100 discount on domestic round trip airfare (when booking 2 or more tickets on 1 reservation)...
by guitarguy
Tue Aug 16, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

I'm excited about the Chase Sapphire Reserve that's supposed to go live next week. I'm just hoping the 5/24 rule doesn't hit me. -Steph Wow. That card looks amazing! :shock: $300 annual travel credit plus $100 discount on domestic round trip airfare (when booking 2 or more tickets on 1 reservation)...
by guitarguy
Tue Aug 09, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6450

Re: Points/Miles Schemes - Waste of time or worth it?

I think the boglehead crowd may be more resistant to getting used to luxuries they cannot afford. The general populace will develop expensive habits because they stayed in an expensive place. But the peopel who fall for this trap are paying for the rewards reaped by more disciplined and unemotional...
by guitarguy
Thu Aug 04, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6450

Re: Points/Miles Schemes - Waste of time or worth it?

OP, you should read about the behavioral aspects of miles/points in this awesome post. http://moneymetagame.com/fi/is-anyone-actually-saving-money-by-travel-hacking/ Good post...I think it's a little off topic discussing the definition of "saving money" and pushing the retirement account ...
by guitarguy
Wed Aug 03, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6450

Re: Points/Miles Schemes - Waste of time or worth it?

. I don't think there are black out dates as such anymore. What is true is that availability is a riddle, wrapped in a mystery, inside an enigma, but for a lot of people that is where the sport lies. The origin of this, of course, are the sophisticated algorithms airlines use for revenue management...
by guitarguy
Wed Aug 03, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6450

Re: Points/Miles Schemes - Waste of time or worth it?

We switched from cash back to primarily shooting for travel/points stuff a while back. Massive thread about it here; https://www.bogleheads.org/forum/viewtopic.php?f=2&t=192008 So far after jumping on a couple of big-time signup bonuses, booking a couple of free flights, staying a few free night...
by guitarguy
Wed Jul 27, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Are all replacement Macbook Pro power supplies junk?
Replies: 10
Views: 959

Re: Are all replacement Macbook Pro power supplies junk?

Intens wrote:I would only buy genuine Apple parts. You paid alot for your Macbook Pro, so why would you chance it with 3rd-party parts?


Of course. I wasn't considering anything aftermarket. But there are lots of channels to buy a genuine apple replacement...and even they are rated pretty poorly.
by guitarguy
Wed Jul 27, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Are all replacement Macbook Pro power supplies junk?
Replies: 10
Views: 959

Re: Are all replacement Macbook Pro power supplies junk?

I'm looking into a replacement power supply for my 13" MacBook pro. Everywhere I go (OK...primarily Amazon and Apple) they're all 2-3 star ratings with many reviews saying they're crap and stop working after a few weeks. Anyone ever buy one of these things that they wouldn't rate as junk?? :co...
by guitarguy
Wed Jul 27, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Are all replacement Macbook Pro power supplies junk?
Replies: 10
Views: 959

Are all replacement Macbook Pro power supplies junk?

I'm looking into a replacement power supply for my 13" MacBook pro. Everywhere I go (OK...primarily Amazon and Apple) they're all 2-3 star ratings with many reviews saying they're crap and stop working after a few weeks. Anyone ever buy one of these things that they wouldn't rate as junk?? :con...
by guitarguy
Tue Jul 26, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: I need an awesome tech backpack. Any recommendations?
Replies: 22
Views: 2002

Re: I need an awesome tech backpack. Any recommendations?

I actually think I'm honing in on my choice: http://monocreators.com/the-flyby/ , actually cheaper on Amazon by $25. I have 2 backpack style guitar cases by Mono (the acoustic and the double-electric) and they are absolutely incredible ...hands down the best cases of this type I have ever seen...an...
by guitarguy
Mon Jul 25, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

My strategy is my time is for loving my family. Not wasting my time on slick deals. I will always have enough for everything I would ever want. Those who "save" more money, end up paying it as taxes or to charity. I am up for debate if anyone wants to challenge that. Its an open invitatio...
by guitarguy
Mon Jul 25, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

Since I started late and did some research, I was able to hit the Chase cards early and often. Now it looks like I am out of the game, unless I apply for business cards. Hope your credit card reward gaming is going well! I just ended up nabbing the Ink Plus card for my business...applied in branch ...
by guitarguy
Mon Jul 25, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: I need an awesome tech backpack. Any recommendations?
Replies: 22
Views: 2002

Re: I need an awesome tech backpack. Any recommendations?

Thanks for the recommendations all! I should add a couple more "nice to haves" would be: - stands upright even when empty (or almost empty) and has a super durable bottom - light weight I have this bag as well and found it to be a poor replacement for my SwissGear backpack from Target. sim...
by guitarguy
Mon Jul 25, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: I need an awesome tech backpack. Any recommendations?
Replies: 22
Views: 2002

I need an awesome tech backpack. Any recommendations?

OK so I'm in the market for a new backpack that will be used to transport various things during band gigs. Some main criteria I'm looking for: - Must have padded pocket large enough for 13" MacBook Pro (TSA friendly is a bonus but not necessary) - Must have padded or lined pocket of some kind f...
by guitarguy
Mon Jul 25, 2016 7:08 am
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 2036

Re: Router SSID Broadcast in Crowded Wifi Environment

Just another general update,

We did 2 shows this weekend, one of which had lots of wifi going on...everything from iPad billing at the bar to free network for customers. We did a scan, picked the best 5G and 2.4G channels, and everything worked flawlessly.

Was very happy. :beer
by guitarguy
Mon Jul 25, 2016 6:55 am
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 2036

Re: Router SSID Broadcast in Crowded Wifi Environment

I do realize that nothing wireless is completely bulletproof, but I also don't think it's unreasonable to be able to make it pretty darn reliable if we do it right. Call it 98%. :D At least you don't expect 99.99% :D 98% you might get. That means it won't work one week each year, can you live with ...
by guitarguy
Mon Jul 25, 2016 6:40 am
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 2036

Re: Router SSID Broadcast in Crowded Wifi Environment

I do realize that nothing wireless is completely bulletproof, but I also don't think it's unreasonable to be able to make it pretty darn reliable if we do it right. Call it 98%. :D You won't reasonably approach that in an unknown venue. Only wiring it will get you anything starting with a "9.&...
by guitarguy
Mon Jul 25, 2016 6:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1212
Views: 150338

Re: What's Your Credit Card Rewards Strategy?

Since I started late and did some research, I was able to hit the Chase cards early and often. Now it looks like I am out of the game, unless I apply for business cards. Hope your credit card reward gaming is going well! I just ended up nabbing the Ink Plus card for my business...applied in branch ...
by guitarguy
Fri Jul 22, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 2036

Re: Router SSID Broadcast in Crowded Wifi Environment

As someone who has worked in this industry for 25+ years when you want bullet proof you need wired connection, and a redundant one at that. We do have a cable connection between our laptop and the router (and the console) to alleviate any concerns there, but a wired connection obviously isn't in th...
by guitarguy
Fri Jul 22, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Separated business finances for big time rewards
Replies: 2
Views: 375

Re: Separated business finances for big time rewards

Unless your wife's tuition qualifies as a business expense, it doesn't seem like you've separated much. OK then...I admit I'll use this expense to help meet the minimum spend on the card for the bonus and basically after that it'll just be used for business stuff. Oh...I'll probably set my phone bi...
by guitarguy
Fri Jul 22, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Separated business finances for big time rewards
Replies: 2
Views: 375

Separated business finances for big time rewards

Just wanted to post this in case anyone out there is thinking about taking steps to separate their business finances and hasn't yet done so. Now is a great time to do it! I did it in 2 steps: 1. Opened up Chase business checking, and got a $500 reward for doing it. (This deal may now be expired thou...
by guitarguy
Fri Jul 22, 2016 6:05 am
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 2036

Re: Router SSID Broadcast in Crowded Wifi Environment

I'm mostly concerned about the iPad connection to the 5G network for the engineer being 100% bulletproof. If you want bulletproof you can't rely on unlicensed spectrum. You need to either lease licensed spectrum (e.g. using a cell phone) or hard wire it. Or at least have a hard wired connection ava...
by guitarguy
Thu Jul 21, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 2036

Re: Router SSID Broadcast in Crowded Wifi Environment

https://www.xirrus.com/free-tools/ OP, 1) You can use above free tool on PC to survey the WiFi hotspot at any places. 2) Is it possible for everyone to use 5G? If yes, you may want to buy 2 routers and run them at separate channels. 3) Use (1) to find free open channel for 5G and 2.4G. 4) I am more...

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