Search found 1741 matches

by guitarguy
Thu Jun 29, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Missing charge - should I go back and inquire?
Replies: 7
Views: 1003

Re: Missing charge - should I go back and inquire?

I would NOT go back to any national chain store and say you took something without paying for it. This has happened to me or my wife several times. Usually it is the checkout person forgetting to scan an item. 3 or 4 times we went back and tried paying for it, they said don't worry about it (all ma...
by guitarguy
Wed Jun 28, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 36
Views: 3894

Re: Cat teeth cleaning costs

I would like to solicit some opinions on whether these costs are reasonable. Our 12 yr old cat has gingivitis and possibly some teeth problems. The vet will only do the evaluation under anesthesia if we have a blood test first to confirm there are no liver or kidney problems. (Liability issues) So ...
by guitarguy
Wed Jun 28, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4795

Re: Debating a weekend in Chicago (south side)

So I have been to Chicago several times staying more on the north side near Wrigley Field. Have been there for a ballgame. We had friends that used to live there and always stayed with them in their great location condo near lots of great restaurants and bars, in a great neighborhood, walking dista...
by guitarguy
Mon Jun 26, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards' credit lines - pros/cons of requesting reduction?
Replies: 36
Views: 3370

Re: Credit cards' credit lines - pros/cons of requesting reduction?

There should be no issue with respect to 5/24 (I'm 2/24 as long as Chase business cards don't count) I think the general consensus is that Chase business cards DO count toward the 5/24 rule. After all Chase knows that you opened those accounts. Business cards from other companies that aren't shown ...
by guitarguy
Fri Jun 23, 2017 6:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I am finding that often purchasing tickets through their online portal with points is a great deal (1.5 UR pts/S with no restrictions or added surcharges) compared with buying tickets with airline miles. I have found the same, but this is not true for all flights. In many cases, Chase travel seems ...
by guitarguy
Thu Jun 22, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

Re: basic economy flights... Just kinda found out about these....don't look very appealing. That said, it appears most award flights qualify you for the tier above "basic economy"...where you can still select seats, bring a carry on, and stay a tier above Spirit airlines. I wonder...will it stay tha...
by guitarguy
Thu Jun 22, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 570

Re: storing loyalty/membership cards digitally?

Apple wallet works for some. Kroger for sure.

I don't have any of my loyalty for airlines/etc in hard copy form. Just a spreadsheet with the info, which is redundant bc the app works and holds your info for the most part anyways.
by guitarguy
Thu Jun 15, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

On Delta's site there is lots of availability, some saver and lots otherwise. On FB though, why am I able to see 15k tickets and 27.5k tickets if the lowest fare is all that should be available? When the time comes we'll be traveling to HI in late Oct or Early Nov...hopefully the availability opens...
by guitarguy
Thu Jun 15, 2017 6:00 am
Forum: Investing - Theory, News & General
Topic: What growth rate for your projection calcs?
Replies: 31
Views: 3226

Re: What growth rate for your projection calcs?

Thanks for chiming in everyone.

I'm still like 20 ish years away from retirement so these calcs for me are in the "about how long will it take me to save $X" realm. Definitely ballpark territory.
by guitarguy
Wed Jun 14, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17918

Re: Poll: 401K Match

lazydavid wrote:If they'd switch to 100% of the first 4%, their costs stay the same, but my contributions wouldn't get capped at 10%
Could you explain this? Just for my information...I don't exactly see how/why your contribution is capped at 10% or how the match rate influences that.
by guitarguy
Wed Jun 14, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17918

Re: Poll: 401K Match

Employer gives 2:1 match on the first 4%. I'm not aware of the $ or % of salary maximum, as I don't believe I'm anywhere near hitting it yet. Wife gets 50% match on first 6% of contributions. I'm doing the "raise contributions 1% annually" (at a minimum) approach, and have worked my way to contribut...
by guitarguy
Wed Jun 14, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: What growth rate for your projection calcs?
Replies: 31
Views: 3226

What growth rate for your projection calcs?

Just curious...what ROR do you all use when you project how much you'll have by age X with $Y savings per year for Z years...?

I have been using 4%...but just curious if that's too conservative, too risky, etc. 5...6....3...2...? What are other BH's using for their calculations?
by guitarguy
Tue Jun 13, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 12276

Re: Suits: best bang for your buck?

telemark wrote:
poker27 wrote:Please don't buy a black suit.
Unless you have already been issued a neuralyzer.
Or if you're in a band that plays weddings and you need to wear a black suit, white shirt, and grey/silver tie a couple times a month. Like me.

Or maybe if you're James Bond.
by guitarguy
Tue Jun 13, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to prepay a Navient loan payment?
Replies: 10
Views: 1444

Re: Is it safe to prepay a Navient loan payment?

Make sure you read the instructions for how payments are applied. See link below. https://www.navient.com/loan-customers/how-payments-work/direct-loan-payments/default.aspx They will apply the extra payment as your next months' payment unless you specifically instruct them not too. After interest i...
by guitarguy
Mon Jun 12, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

HOWEVER, after doing some more research today, it seems like Flying Blue might be an even better option. If I get the Amex Business Gold and the Citi Prestige this summer, I would have 100k points that would be transferable to Flying Blue just from those 2 bonuses alone. One of the best Flying Blue...
by guitarguy
Mon Jun 12, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

HOWEVER, after doing some more research today, it seems like Flying Blue might be an even better option. If I get the Amex Business Gold and the Citi Prestige this summer, I would have 100k points that would be transferable to Flying Blue just from those 2 bonuses alone. One of the best Flying Blue...
by guitarguy
Mon Jun 12, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I don't think MS is morally wrong or anything like that. I couldn't care less. If banks don't want people taking advantage of loopholes to rack up points, then close them. Remember your words next time you feel the banks have treated you unfairly or taken advantage of you. You should have closed th...
by guitarguy
Mon Jun 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I don't think MS is morally wrong or anything like that. I couldn't care less. If banks don't want people taking advantage of loopholes to rack up points, then close them. Remember your words next time you feel the banks have treated you unfairly or taken advantage of you. You should have closed th...
by guitarguy
Fri Jun 09, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I don't think MS is morally wrong or anything like that. I couldn't care less. If banks don't want people taking advantage of loopholes to rack up points, then close them. Remember your words next time you feel the banks have treated you unfairly or taken advantage of you. You should have closed th...
by guitarguy
Fri Jun 09, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

First of all, buying gift cards and then spending them is not MS. It's buying gift cards and then spending them. There is nothing wrong with this legally or morally. You're not manufacturing anything or cheating anyone. I don't get this sentiment at all. MS is different...it involves making purchas...
by guitarguy
Fri Jun 09, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

Related question about spending some of the $6000 grocery spend for my Amex Blue Cash Preferred ... I have about $1500 in grocery spend (6% cash back) remaining on my BCP that I'd like to use ASAP. A recent Amex BCP Terms and Conditions update taking effect July 01 2017 states specifically that Gif...
by guitarguy
Thu Jun 08, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: "Paying" a minor for otherwise uncompensated work
Replies: 37
Views: 3454

Re: "Paying" a minor for otherwise uncompensated work

I have to say you are a particularly sophisticated 17 year old. I was reading these posts and thinking the same. When I was 17 I was playing PlayStation and pretty much every cent I made from my crappy manual labor job I spent on paying for car parts and other junk I didn't need. Good for you OP. Y...
by guitarguy
Thu Jun 08, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 20657

Re: Best credit card for cash back

I use the Capital One Venture for almost all my purchases. It's 2% (my software purchases for clients is large) for all purchases. It does have an annual fee, but that cuts my 2% down to about 1.8%. It's worth the .2% not to have anything to do with Citibank. That's funny...I'd "pay" the extra fee ...
by guitarguy
Thu Jun 08, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

This post is 100% inaccurate in it's entirety. I'm not even going to begin to explain as I think this post may have been satire with the "Dark Art" but I'll just leave it at inaccurate. I wasn't intending satire! You had a strong reaction though :-) I've decided, after doing it, that for me it was ...
by guitarguy
Thu Jun 08, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

Related question about spending some of the $6000 grocery spend for my Amex Blue Cash Preferred ... I have about $1500 in grocery spend (6% cash back) remaining on my BCP that I'd like to use ASAP. A recent Amex BCP Terms and Conditions update taking effect July 01 2017 states specifically that Gif...
by guitarguy
Mon May 08, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to start a scholarship?
Replies: 9
Views: 1087

How to start a scholarship?

So my bandmates and I are toying with the idea of starting a scholarship that we could give away annually to help a student in need with their college tuition. Not sure exactly if we'll target it toward students with majors that we all personally are involved in with our day jobs (engineering, teach...
by guitarguy
Fri Apr 28, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a side business
Replies: 15
Views: 1038

Re: Starting a side business

MissionHockey wrote:If I'm using my vehicle part time for my business can I write off fuel or mileage or both?
Yes you can definitely write off business mileage.

Keep a log of your mileage (obviously), and note down the start/end of total mileage at the beginning/end of the year.
by guitarguy
Fri Apr 28, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase - $500 to open business checking account. Worth it?
Replies: 7
Views: 1282

Re: Chase - $500 to open business checking account. Worth it?

I got this offer. They waived the fee for the first 3 months (maybe it was 2...can't remember exactly...). Also it was last Sep I think...I didn't have to do anything but deposit funds and leave them there for 90 days...so it was nice not having to jump through those extra hoops. I then downgraded t...
by guitarguy
Thu Apr 27, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?
Replies: 5
Views: 515

Re: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?

I have both, because CK shows me inquiries on Transunion and Equifax, and PMID shows me Experian. This is valuable for the credit card rewards game.

PMID is free for AAA members. Otherwise I wouldn't pay the fee.
by guitarguy
Thu Apr 27, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 28636

Re: Capital One 360 $200 bonus

Definitely sounds like a good move. We opened 2 accounts, bonus transferred in quickly, funds were available within a few days. Closed both accounts and transferred the full balances back to Ally all in one motion. Easy-peasy $400. Good to hear that these bonuses come easily and transferring out is...
by guitarguy
Wed Apr 26, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 28636

Re: Capital One 360 $200 bonus

I just opened a Capital One 360 account and am sending $10k over from an old Deutsche Bank money market account that had been earning about 0.05% while costing about 0.35% in e/r. Thanks to the OP for bringing this offer to my attention. So hopefully this is another step, with the 1% interest rate ...
by guitarguy
Wed Apr 26, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: 401k vs HSA limits
Replies: 13
Views: 1651

Re: 401k vs HSA limits

Simply put, the tax code distinguishes between employer and employee contributions for a 401K but does not make this distinction for an HSA. Of course. I kind of expected this answer. Because. But I'm curious as to why they're so "generous" on the 401k side to not include employer comps, but so sti...
by guitarguy
Wed Apr 26, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: 401k vs HSA limits
Replies: 13
Views: 1651

401k vs HSA limits

So I just found out that employer matching doesn't count towards the 401k contribution limit. :shock: Now, we're not quite there yet, but I've personally been monitoring my 401k contribution amount *including* my employer match. Finding out that this match doesn't apply to the limit, I just realized...
by guitarguy
Mon Apr 24, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Lowering service price for charity, tax writeoff?
Replies: 7
Views: 722

Re: Lowering service price for charity, tax writeoff?

Darn.

Ok, sounds like the source that mentioned this to me was misinformed.

Thanks for the info!
by guitarguy
Sun Apr 23, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering service price for charity, tax writeoff?
Replies: 7
Views: 722

Lowering service price for charity, tax writeoff?

My band has a few charity events scheduled this year where we've substantially reduced our fee due to the event being a fundraiser for a good cause. I recently heard through the wire that we may have an opportunity to write off the difference in price as a donation or something along those lines if ...
by guitarguy
Fri Apr 21, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I currently have an AMEX Blue Cash Everyday card paying 3% at supermarkets and lesser amounts for other categories. The card has no fee. There's currently an offer to switch to their Blue Cash Preferred card for $95 a year and receive 10% on restaurants for up to $2000 in purchases or 6 months whic...
by guitarguy
Fri Apr 21, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

Just to make sure I follow, you booked business class on United for 70k miles and $280 fuel surcharges, one-way -- is that right? And that's non-stop to where in Italy? Just trying to get a sense of what the market is for business class to Italy. Personally, I'd be looking to start from NYC. In my ...
by guitarguy
Tue Apr 18, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13274

Re: Ordering a Weber grill this week

I have the dial gauge on my other grill that is not a Weber. The dial is OK. It sorta shows when the tank to getting low on fuel. But you still have to pick up the tank on that grill and move it out so it is clumsy and heavy. Good Luck. IMHO, gauges to measure propane are worthless. You buy propane...
by guitarguy
Tue Apr 18, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9520

Re: Mens Blue Jeans - What are we buying now?!

I'm probably like most guys who don't care for shopping. I still wear the blue jeans I wore in college, which for me ended over 10 years ago. They're 5 pair of low end Lucky Brand Jeans that I paid ~$40/each for at Costco and outlet stores. I was a fan of the style and feel of those jeans. I'm tryi...
by guitarguy
Tue Apr 18, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I have actually had decent luck with redemptions and availability on SkyTeam. Some of their itineraries aren't the greatest, but the points are easy to earn and availability has been good. Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? Not if you fly on Del...
by guitarguy
Tue Apr 18, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2317
Views: 420637

Re: What's Your Credit Card Rewards Strategy?

I have actually had decent luck with redemptions and availability on SkyTeam. Some of their itineraries aren't the greatest, but the points are easy to earn and availability has been good. Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? Not if you fly on Del...
by guitarguy
Fri Apr 14, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 3578

Re: Problems with oil pans and plugs for Honda Odyssey

One time it was really cold and I stopped at a local place for an oil change. Spring came and time for the next one. I found my Civic oil drain plug beat to hell from some jerk mechanic putting an air tool on there and going to town. With the wrong size socket no less. Without reading all these post...
by guitarguy
Thu Apr 13, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: paying off bills in 1 shot with HSA or pay with CC
Replies: 6
Views: 720

Re: paying off bills in 1 shot with HSA or pay with CC

Kind of up to you....what's the goal with your HSA? To use for medical expenses, or to use it in stealth mode as a retirement savings vehicle?

Either way, charge the expenses to a rewards credit card. Then decide to reimburse yourself from your HSA account, or not.
by guitarguy
Wed Apr 12, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: What to do at the end of the auto lease...
Replies: 15
Views: 1312

Re: What to do at the end of the auto lease...

I'd buy it.

It's been good and reliable for you, well maintained, low mileage, seems like a fair price for buyout based on KBB.

EDIT: Assuming you like it and it suits your needs since you're considering another one.
by guitarguy
Wed Apr 12, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5681

Re: Gardening 2017

Anyone have any suggestions for things to plant in large pots? This would be for 2 people who are about as far away from being green thumbs as you can get, but would like something "easy" and rather low maintenance to start with. My favorite plants for pots are strong flavorings which require littl...
by guitarguy
Wed Apr 12, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 5681

Re: Gardening 2017

I'm surprised the peppers didn't work well. The plants don't really get that large. We were too. For whatever reason it just didn't take. We got like 2-3 small green peppers off there and that was about it. We got seemingly 1000 awesome tomatoes in the same time span. Maybe we'll try again and also...
by guitarguy
Wed Apr 12, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of Churning on Credit Score
Replies: 11
Views: 1260

Re: Impact of Churning on Credit Score

If you don't spend those excess FICO points, they're just going to waste! :happy +1. If you have a good credit score and aren't using it to your advantage, you're not playing the game correctly. +2. And on top of that the difference between 815 and 775 credit scores doesn't really mean squat anyway...
by guitarguy
Wed Apr 12, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13274

Re: Ordering a Weber grill this week

Bought a new Weber last year. One downside compared to my old completely open Weber Spirit grill...placing a full LP tank on the hook inside is quite challenging. Very heavy and awkward. Eventually (I'm 62), I'll probably have to hire someone to attach it. carolc I did read this, likely why the 201...
by guitarguy
Wed Apr 12, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 13274

Re: Ordering a Weber grill this week

What type of meat thermometers are you all using?

Does a simple instant digital read out one do? $20 from Amazon.

Or do I "need" this fancy Bluetooth iGrill deal...?