Search found 1682 matches

by guitarguy
Mon Apr 10, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

Weber, themselves, probably don't want to tell you NOT to buy a cover on their main website since they charge $80 for them but on their blog they actually do state they aren't necessary whenever they are directly asked. Do you have a source for this? Also curious as to the effects of the sun on the...
by guitarguy
Mon Apr 10, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

Weber, themselves, probably don't want to tell you NOT to buy a cover on their main website since they charge $80 for them but on their blog they actually do state they aren't necessary whenever they are directly asked. Do you have a source for this? Also curious as to the effects of the sun on the...
by guitarguy
Mon Apr 10, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

I have learned the hard way to never use a cover. My expensive stainless steel grill rusted completely out within two years. The cover traps warm humid air next to the grill all summer long. Once I lost the cover... and got a new grill, things have been going much better. Huh? I suspect you had a r...
by guitarguy
Mon Apr 10, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

When the time comes to replace this grill I will likely opt for the current Weber alternative including a side burner. The interesting thing is the new Genesis II models (new as of 2017) that come with a side burner seem to only be the super fancy "LX" models at $1200+...which makes me th...
by guitarguy
Mon Apr 10, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

Get the E-330! Having that sear station and side burner are great. Don't pay MSRP. Lowes and HD have it on sale right now for $599, that's about as low as it's going to be. "Order" it from there but pick up in store That grill will last you a lifetime with basic maintenance. I don't keep ...
by guitarguy
Mon Apr 10, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

I just pulled the trigger on the Genesis E-330! I also bought a Weber cover and a cool little light that goes on when you open the grill - yes, that is $25 blown on a novelty item and proof that the "people usually buy this crap with this purchase" links on the bottom of the Home Depot web...
by guitarguy
Mon Apr 10, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5766

Re: When to slow down.

Wow, I guess 99% of the population will never be able to slow down. I know at first I thought this post was going to end with a "just joking" but apparently if you're not working yourself to death you're in trouble! Construction is a cyclical industry, poster Sandtrap has been around long...
by guitarguy
Mon Apr 10, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

Get the E-330! Having that sear station and side burner are great. Don't pay MSRP. Lowes and HD have it on sale right now for $599, that's about as low as it's going to be. "Order" it from there but pick up in store That grill will last you a lifetime with basic maintenance. I don't keep ...
by guitarguy
Mon Apr 10, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

Get the E-330! Having that sear station and side burner are great. Don't pay MSRP. Lowes and HD have it on sale right now for $599, that's about as low as it's going to be. "Order" it from there but pick up in store That grill will last you a lifetime with basic maintenance. I don't keep ...
by guitarguy
Mon Apr 10, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

Get the E-330! Having that sear station and side burner are great. Don't pay MSRP. Lowes and HD have it on sale right now for $599, that's about as low as it's going to be. "Order" it from there but pick up in store That grill will last you a lifetime with basic maintenance. I don't keep ...
by guitarguy
Mon Apr 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Re: Ordering a Weber grill this week

i have the E-310 (bought in June 2016) for $700. it is really nice and works very well. i prefer the closed cabinet look. one issue may be availability of replacement parts down the line....typically there is a higher likelihood that parts for newer models will be more available (possibly cheaper?)...
by guitarguy
Mon Apr 10, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5766

Re: When to slow down.

Also started in construction. Then worked up to my own company, Gen Cont, then R/E developer. Don't "slow down" until you have 3 years of income in emergency funds ($300k), purchased a home in cash... Wow, I guess 99% of the population will never be able to slow down. I know at first I th...
by guitarguy
Mon Apr 10, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12843

Ordering a Weber grill this week

Pretty set on a Weber Genesis, but not sure if I should go with the older model E-330 or the brand new Genesis II E-310. The 330 is $100 more at $799, but has a side burner (which will get light use) and a sear burner (which I've never had, but sounds awesome). It also has a closed cabinet design, n...
by guitarguy
Mon Apr 10, 2017 6:11 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5766

Re: When to slow down.

Also started in construction. Then worked up to my own company, Gen Cont, then R/E developer. Don't "slow down" until you have 3 years of income in emergency funds ($300k), purchased a home in cash... Wow, I guess 99% of the population will never be able to slow down. I know at first I th...
by guitarguy
Mon Apr 10, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5766

Re: When to slow down.

In my view, working 80 hours per week is not sustainable. Rather than work at a grocery store, why not try independent contract work on the weekends? The hourly pay should be much higher than working at the grocery store, and if business picks up, you could start a small business with more upside. ...
by guitarguy
Mon Apr 10, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit - General Questions
Replies: 18
Views: 1660

Re: American Opportunity Tax Credit - General Questions

You should be good. It is not how many years you attended college, it is if you have completed a four year college undergraduate program; then you can't claim it. I disagree. The IRS pub says "completed 4 years of school." So it in fact it's spelled out in plain English that it IS exactly...
by guitarguy
Mon Apr 10, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit - General Questions
Replies: 18
Views: 1660

Re: American Opportunity Tax Credit - General Questions

You need to add up the number of credits she's attained and then evaluate that against where she sits in terms of her class standing at her current institution. If she's within the range of completed credits at the start of the year to be considered still a junior or senior, i.e. has not completed ...
by guitarguy
Sat Apr 08, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit - General Questions
Replies: 18
Views: 1660

Re: American Opportunity Tax Credit - General Questions

You need to add up the number of credits she's attained and then evaluate that against where she sits in terms of her class standing at her current institution. If she's within the range of completed credits at the start of the year to be considered still a junior or senior, i.e. has not completed e...
by guitarguy
Fri Apr 07, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 8828

Re: Citi Costco Visa vs. Chase Sapphire Reserve

...I am keeping a Chase United Explorer card and paying $95/year, because its ownership opens up for me some additional reward flight options on the United site. Victoria To me the big advantage of booking with the CUE card is the one free checked bag for each of two people ($100 value R/T) as well...
by guitarguy
Fri Apr 07, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 8828

Re: Citi Costco Visa vs. Chase Sapphire Reserve

...It is exactly the same. Chase is paying cash for these flights for you when you cash in your points for travel. If a flight is available for cash you can book it through Chase's portal. That said, there is often better value in transferring the points and booking a reward flight. guitarguy, can ...
by guitarguy
Fri Apr 07, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 8828

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Responses are great - lot's of good information. I see the benefits of the CSR even clearer than before. I have questions about using the points. Are the flights limited? More specifically, is it easy to get the 6am flight (who wants to get to the airport at 4am) and not so much the 9am or 10am fli...
by guitarguy
Fri Apr 07, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 1151

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

Why to downgrade to Freedom Unlimited if you can cancel CSP and later open Freedom Unlimited for a signup bonus? Maybe because downgrade doesn't count for 5/24 rules (though I see mixed statements on this googling?)? Desire to not get credit pull and have rating decline? Desire not to see credit ra...
by guitarguy
Fri Apr 07, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26868

Re: Capital One 360 $200 bonus

Same here. I don't think I'll ever bother with anything that requires setting up a direct deposit either. According to Doctor of Credit's booklet, in many banks you can satisfy direct deposit requirement with ACH from your other financial institutions. Victoria Yeah...I read some of that. There are...
by guitarguy
Fri Apr 07, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 1151

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

We have CSP, Freedom Unlimited, Freedom (2), and Ink Plus (soon to be downgraded to Ink Cash). <-- Supreme earning potential there for everyday spending when not working on some signup bonus. Only fee we will pay going forward is $95 for one CSP. I will eventually get the CSR when we make it back be...
by guitarguy
Fri Apr 07, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26868

Re: Capital One 360 $200 bonus

I've found the bank bonuses easier than the cc bonuses. I almost felt guilty for taking $250 from WFB after having the account open for less than 3 weeks and doing only 10 debits for 10 days by buying my daily $2 coffee. See, for me using a bunch of debits isn't easy at all. I don't buy much stuff,...
by guitarguy
Fri Apr 07, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 8828

Re: Citi Costco Visa vs. Chase Sapphire Reserve

save your points and redeem for saver award biz/first class tickets..... Hawaii/Europe both good destination to fly on united Continental US to Hawaii on Flying Blue via Chase UR points...15k miles. 3.1 cpp. Biz/first class awards I'm sure are nice. I'd rather just fly economy and go on more trips....
by guitarguy
Fri Apr 07, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 8828

Re: Citi Costco Visa vs. Chase Sapphire Reserve

save your points and redeem for saver award biz/first class tickets..... Hawaii/Europe both good destination to fly on united Continental US to Hawaii on Flying Blue via Chase UR points...15k miles. 3.1 cpp. Biz/first class awards I'm sure are nice. I'd rather just fly economy and go on more trips.
by guitarguy
Thu Apr 06, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26868

Re: Capital One 360 $200 bonus

I'm gna jump on this tomorrow, hopefully I don't see too long of a delay. Would like to nab 2 bonuses before the deadline of June 30.
by guitarguy
Wed Apr 05, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Question for those familiar with the Barclaycard Arrival Plus: I see the standard arrival is gone from the website for new applications. Does anyone know if it's still available for downgrade? And just as important, can anyone confirm that you can *keep* your miles earned with the Arrival+ and they...
by guitarguy
Wed Apr 05, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 2351

Re: What to see in Philly?

OP, You did not say when you would be in Philly. The Rocky (Art Museum) steps are now closed through the end of April. They are setting up the stage for the NFL Draft. Link to article... Link Hint: You don't go to the Philadelphia Museum of Art for the "Rocky steps"...it's a world class a...
by guitarguy
Wed Apr 05, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Question for those familiar with the Barclaycard Arrival Plus: I see the standard arrival is gone from the website for new applications. Does anyone know if it's still available for downgrade? And just as important, can anyone confirm that you can *keep* your miles earned with the Arrival+ and they ...
by guitarguy
Wed Apr 05, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How is my situation? Becoming a Boglehead!
Replies: 17
Views: 1768

Re: How is my situation? Becoming a Boglehead!

+2 for Vanguard. Wife and I both have Roth IRAs there and have had nothing but an excellent experience. One idea would be to put everything in low cost Target Retirement Date funds (if they are available in your 401k) and ditch the financial adviser. Read up and educate yourself on the subject. If y...
by guitarguy
Wed Apr 05, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire - travel credit (Reserve), min spend (Preferred)
Replies: 2
Views: 417

Re: Chase Sapphire - travel credit (Reserve), min spend (Preferred)

Chase pulls back UR points for returns.

I can't comment on them pulling back a bonus...I've personally never cut it that close or took that kind of chance.
by guitarguy
Wed Apr 05, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

I have done some poking around and there seems to be quite a bit of saver award availability (22.5k miles per person, one way) from home to HNL and from OGG back home for this November. I expect to be able to book this trip almost a year out, so hopefully availability won't be an issue. HOWEVER, af...
by guitarguy
Tue Apr 04, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

At first, I was wondering why you'd chosen the Hyatt Regency in Maui over the (seemingly nicer) Andaz. Then I did an award search for the Andaz and couldn't find anything. For ANY dates during the year. So I did a Google search and found this article. m So annoying! In any event, I'm sure the Regen...
by guitarguy
Tue Apr 04, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 2305

Re: How to remove DELINQUENCY from credit report?

there was only late payments, I wouldn't have it in me to continue on without paying in order to hope they will negotiate and it then being sent to collection. I didn't say the reporting is inaccurate but maybe take in consideration that there was a written contract and this person did not keep his...
by guitarguy
Tue Apr 04, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Side question...when using partner airline miles (Flying Blue) to book an award flight on Delta, does anyone know if the benefits associated with the Delta Skymiles credit card (free checked bag and priority boarding) will be carried over since it's a Delta flight? I know in the reverse situation, ...
by guitarguy
Tue Apr 04, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 6922

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

Any "regular spend" card that offers less than 2% is completely inferior. If you're strictly looking at cash back cards, then yes, a 1.5% card is worthless. However, an exception would be a card like the Chase Freedom Unlimited. It earns 1.5% cash back, but when coupled with a premium Cha...
by guitarguy
Mon Apr 03, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 4725

Re: Some Credit Cards Make You Spend More?

Wife's tuition bill is $3100 coming up in July. I'm going to nab a Barclaycard Arrival Plus, pay the bill, and instantly make out with $560 in free travel. Did playing the signup bonus game make me spend more? I do agree with the seemingly countless studies that say plastic "makes" people ...
by guitarguy
Mon Apr 03, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 6922

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

There have to be hundreds of credit cards that have higher sign up bonuses than the Cap1 quicksilver. I can't believe anyone still gets Cap1 cards considering they pull all three bureaus and have horrible rewards. The Venture isn't horrible. Neither is the Spark. That's about it tho. I'm eyeing the...
by guitarguy
Fri Mar 31, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Filing for Tax Deductions & Credits for Tuition/Grad School
Replies: 19
Views: 991

Re: Filing for Tax Deductions & Credits for Tuition/Grad School

You cannot claim the AOTC on grad school tuition. It does not matter whether you claimed it for undergrad or not. I forget exactly where/how, but either on your tuition statement or a check box somewhere you'll have to specify it was for post-secondary education and it will disqualify you. You can c...
by guitarguy
Thu Mar 30, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Side question...when using partner airline miles (Flying Blue) to book an award flight on Delta, does anyone know if the benefits associated with the Delta Skymiles credit card (free checked bag and priority boarding) will be carried over since it's a Delta flight? I know in the reverse situation, ...
by guitarguy
Thu Mar 30, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

https://www.wsj.com/articles/amex-fires-another-shot-at-chases-sapphire-reserve-1490802710 AmEx in coming days is expected to increase the points bonus to 60,000, from 40,000 , according to a person familiar with the matter. But there is likely to be catch: To get the larger amount of points, card ...
by guitarguy
Wed Mar 29, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Side question...when using partner airline miles (Flying Blue) to book an award flight on Delta, does anyone know if the benefits associated with the Delta Skymiles credit card (free checked bag and priority boarding) will be carried over since it's a Delta flight? I know in the reverse situation, u...
by guitarguy
Wed Mar 29, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Interesting. So you would have to add up the miles required for 2 separate flights together? How would the number of miles required work? Make sure you have enough time to get to your next plane? I wonder if the layovers would be especially long doing it this way. I assume if they strung the legs /...
by guitarguy
Wed Mar 29, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

At first, I was wondering why you'd chosen the Hyatt Regency in Maui over the (seemingly nicer) Andaz. Then I did an award search for the Andaz and couldn't find anything. For ANY dates during the year. So I did a Google search and found this article. m So annoying! In any event, I'm sure the Regen...
by guitarguy
Wed Mar 29, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

It's incredible how long this thread is and how complicated the rewards points seem to be. On a modest income, i just redeemed $100 in rewards last month for stuff we normally buy with just a few basic cash-back cards. Average month has been around that same amount. Seems fairly simple yet somewhat...
by guitarguy
Wed Mar 29, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

As long as award space is available, this will be part of your ticket to Japan and included in that award price. This leg will be included in your award ticket price from Seoul to USA...you just have to find award space. Just make sure you include your flight to Seattle as part of the award ticket....
by guitarguy
Wed Mar 29, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

Would be curious to hear anyone's thoughts/ideas regarding our plan for travel hacking through the rest of 2017 and 2018! We have a few trips we're working on, and we have a few credit cards we plan on signing up for. These cards will help with flights/lodging for the trips, and also will maximize o...
by guitarguy
Wed Mar 29, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394178

Re: What's Your Credit Card Rewards Strategy?

As long as award space is available, this will be part of your ticket to Japan and included in that award price. This leg will be included in your award ticket price from Seoul to USA...you just have to find award space. Just make sure you include your flight to Seattle as part of the award ticket....