Search found 1700 matches

by guitarguy
Thu Oct 05, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

no reason to preload on Amazon as you are turning real money into Amazon only money. I agree with your post. I do however see one benefit to loading your Amazon account which is you don't have to carry around $500 in essentially cash. When I bought a $500 gift card I was always a little worried abo...
by guitarguy
Thu Oct 05, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4338

Re: another 2 comma club member

Congrats! Though we hit 2 commas in Net Worth last year, and will probably get there in portfolio-only next year, it'll be a LONG time before any single account of ours has two commas. Vanguard has the "Balances and Holdings" section where you can add in and track your balances from other accounts....
by guitarguy
Tue Sep 26, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6991

Re: Tipping question....Applebees

When Mrs. Guitarguy and I eat out we generally tip 20% on the whole bill and round up to an even dollar if the service is good. Maybe a little less if it's not very good. 10% if it's really bad...pretty rare. We tip every now and then on takeout at 1 local Chinese place that we frequent maybe once a...
by guitarguy
Tue Sep 19, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

BOA denied me their new card. I only have ever had 1 BOA card. "Too many accounts overall" was their answer. Barclays also denied me a new Arrival + and Aviator Red last week. Time to go into hibernation...reemerge in a year and start at it again. How many new cards in last 24 months? How many new ...
by guitarguy
Tue Sep 19, 2017 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

+1 on Amex business cards not counting. Can anyone else confirm that Chase business cards aren't counted? If they're not counted then my Ink+ wouldn't be counted...which would currently leave me at 4/24. I just assumed, and have read, that Chase will count their own business cards towards 5/24. Aft...
by guitarguy
Fri Sep 15, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 1903

Re: Free credit monitoring for AAA members

Worthless, IMO. With Credit Karma and Credit Sesame, your monitoring needs are met. Otherwise, just freeze all agencies and don't think about it again. Does Credit Sesame show Experian data such as hard inquiries, accounts, etc, in real time? Or at least updated on a monthly basis or whatever would...
by guitarguy
Mon Sep 11, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Sport Rx Glasses (for Mountain Biking)
Replies: 8
Views: 820

Re: Sport Rx Glasses (for Mountain Biking)

Thanks for all the responses everyone!! Sportrx looks like they have some good looking options and actually have some fairly reasonably priced options! I looked over Zenni and wasn't impressed. Now a question for cyclists...what is a good tint to go with? I've been trail riding during the day so far...
by guitarguy
Fri Sep 08, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Sport Rx Glasses (for Mountain Biking)
Replies: 8
Views: 820

Sport Rx Glasses (for Mountain Biking)

Hey all! So I've been wearing my Ray Ban Rx sunglasses while riding for the last couple of months and they've been great. I wear them when I'm doing anything outdoors or athletic. But, the group rides that happen at my local trail I'm planning to join up with run in the evening, and with fall approa...
by guitarguy
Thu Aug 31, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Do we have a toilet problem? Or drain line?
Replies: 7
Views: 689

Do we have a toilet problem? Or drain line?

So whenever me or Mrs. Guitarguy flush, as the toilet is filling there is a "clunk" sound that is happening lately. This is the exact *sound* you would normally expect to hear when the toilet clogs and might require a plunger, but the toilet actually does not clog at all. It fills and all seems OK. ...
by guitarguy
Thu Aug 31, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7663

Re: I ran out of credit card signups bonus...

I think the common definition of "real business" (or not) would be whether the "business" filed some sort of tax return, even if only via a Schedule C, or even Schedule C-EZ, on someone's personal tax return. Otherwise any buy/sell/service activity is either merely incidental or it's part of the un...
by guitarguy
Thu Aug 31, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1531

Re: iPhone tempered glass...$6 vs $50?

Thanks all. My hypothesis seems to be correct.

We'll order a 3 pack from Amazon for $7 or whatever.

:beer
by guitarguy
Thu Aug 31, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1531

iPhone tempered glass...$6 vs $50?

Anyone buy these tempered glass screen protectors for their iPhones? Wife just got a new iPhone 7. They have tempered glass screen protectors at the at&t store for $40-50. These have a warranty/guarantee against screen cracks. They have tempered glass screen protectors on amazon for $7. No warranty/...
by guitarguy
Thu Aug 31, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7663

Re: I ran out of credit card signups bonus...

So the question is who are you defrauding if you are signing up as a sole proprietorship with $0 revenue and personally guaranteeing the line of credit? The credit card company. There is some assumption that there's a real business behind the ability to pay a business credit card. And even with a p...
by guitarguy
Thu Aug 31, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3383

Re: Beginner Mountain Bike

Three most important factors in bike purchase: fit, fit, and fit. Multiply by a factor of many if you are over 40. As a beginner, I believe your best bet is a good local bike shop. Alternatively, you might roll the dice, get lucky, and save some money. You also might roll the dice, get something th...
by guitarguy
Wed Aug 30, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3383

Re: Beginner Mountain Bike

Three most important factors in bike purchase: fit, fit, and fit. Multiply by a factor of many if you are over 40. As a beginner, I believe your best bet is a good local bike shop. Alternatively, you might roll the dice, get lucky, and save some money. You also might roll the dice, get something th...
by guitarguy
Wed Aug 30, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7663

Re: I ran out of credit card signups bonus...

takeshi wrote:
Tue Aug 29, 2017 5:25 pm
Image
Fantastic! haha :beer
by guitarguy
Tue Aug 29, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3383

Re: Beginner Mountain Bike

I was in the same boat as you a while back. I agonized over this and researched endlessly. I rode Giant, Specialized, and Trek bikes at local shops. I had no idea how to size my frame or anything like that...so I was not shopping used. I ended up with a 2018 Trek Marlin 5 on sale for $429. The frame...
by guitarguy
Mon Aug 28, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Article on Savings - Are BHs the 1% ?
Replies: 23
Views: 3837

Re: Article on Savings - Are BHs the 1% ?

This is pretty interesting. Hoping to be the 1% over time! $85k right now in retirement at 27, it can only go up from here! Not true haha. But hopefully it goes up in the long term for us young'uns. I'm 32. :beer Alright, so it could go down. But my wife and I are debt free, are saving cash for a h...
by guitarguy
Mon Aug 28, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7663

Re: I ran out of credit card signups bonus...

whodidntante wrote:
Mon Aug 28, 2017 12:39 pm
Amex bonuses are once per lifetime.
I have read somewhere (can't remember where) that some Amex bonuses the "lifetime" language will reset after many years. Not sure why but the 7 year mark rings in my head. Has anyone else heard this...?
by guitarguy
Mon Aug 28, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Article on Savings - Are BHs the 1% ?
Replies: 23
Views: 3837

Re: Article on Savings - Are BHs the 1% ?

Stryker16 wrote:
Mon Aug 28, 2017 11:18 am
This is pretty interesting. Hoping to be the 1% over time! $85k right now in retirement at 27, it can only go up from here!
Not true haha. But hopefully it goes up in the long term for us young'uns.

I'm 32. :beer
by guitarguy
Mon Aug 28, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

... Also to the person asking about the Amex Plat, go incognito to get 75,000 or 100,000. Don't settle for 60,000. Is the 75K/100K offer limited to business? I saw it when incognito but only on small business cards, not personal. The spending requirement for the former is rather high: $20K in 3 mon...
by guitarguy
Mon Aug 28, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

... Also to the person asking about the Amex Plat, go incognito to get 75,000 or 100,000. Don't settle for 60,000. Is the 75K/100K offer limited to business? I saw it when incognito but only on small business cards, not personal. The spending requirement for the former is rather high: $20K in 3 mon...
by guitarguy
Thu Aug 24, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

It sounds like you have all your bases covered, so I would go with the Plat. Have fun in Hawaii. Thanks we will!! Only other side item is debating on keeping the Plat Delta Amex...does anyone find the companion certificate useful? Each year we're almost guaranteed to fly DTW to SFO and/or DTW to RS...
by guitarguy
Thu Aug 24, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Thanks! We have (and will keep long term) a CSP already...so we get 2X on travel/dining and primary rental coverage. I've done the math and the jump to 3X for the CSR is not good for us long term. The higher AF plus the fee for an A/U (so we can transfer UR points to each others loyalty accounts - ...
by guitarguy
Thu Aug 24, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Amex business cards do not count toward the 5/24 count. Ink Preferred should not count toward 5/24 but IHG definitely does. +1 on Amex business cards not counting. Can anyone else confirm that Chase business cards aren't counted? If they're not counted then my Ink+ wouldn't be counted...which would...
by guitarguy
Thu Aug 24, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Thanks! We have (and will keep long term) a CSP already...so we get 2X on travel/dining and primary rental coverage. I've done the math and the jump to 3X for the CSR is not good for us long term. The higher AF plus the fee for an A/U (so we can transfer UR points to each others loyalty accounts - ...
by guitarguy
Thu Aug 24, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Amex business cards do not count toward the 5/24 count. Ink Preferred should not count toward 5/24 but IHG definitely does. +1 on Amex business cards not counting. Can anyone else confirm that Chase business cards aren't counted? If they're not counted then my Ink+ wouldn't be counted...which would...
by guitarguy
Thu Aug 24, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Amex business cards do not count toward the 5/24 count. Ink Preferred should not count toward 5/24 but IHG definitely does. +1 on Amex business cards not counting. Can anyone else confirm that Chase business cards aren't counted? If they're not counted then my Ink+ wouldn't be counted...which would...
by guitarguy
Thu Aug 24, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Amex business cards do not count toward the 5/24 count. Ink Preferred should not count toward 5/24 but IHG definitely does. +1 on Amex business cards not counting. Can anyone else confirm that Chase business cards aren't counted? If they're not counted then my Ink+ wouldn't be counted...which would...
by guitarguy
Wed Aug 23, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. One other interesting thing you can do - add authorized gold card users at no cost (up to 99 users) - the gold card users can all get a GE/Precheck reimbursement. So its a great ...
by guitarguy
Wed Aug 23, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Can anyone explain the Amex Platinum card to me? $550 AF - yikes 60k MR points for $5k spend in 90 days - decent $100 credit for global entry or precheck - decent $200 airline credit for incidentals on only 1 airline - weak sauce compared to CSR 5X MR points on flights booked directly with airlines...
by guitarguy
Wed Aug 23, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. One other interesting thing you can do - add authorized gold card users at no cost (up to 99 users) - the gold card users can all get a GE/Precheck reimbursement. So its a great ...
by guitarguy
Wed Aug 23, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 409422

Re: What's Your Credit Card Rewards Strategy?

Can anyone explain the Amex Platinum card to me? $550 AF - yikes 60k MR points for $5k spend in 90 days - decent $100 credit for global entry or precheck - decent $200 airline credit for incidentals on only 1 airline - weak sauce compared to CSR 5X MR points on flights booked directly with airlines ...
by guitarguy
Wed Aug 23, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3291

Re: Would you hire an obese nanny?

To those who have taken offense at this topic: How is my concern about obesity different from my concern about other health issues when hiring a nanny? What if, as another commenter mentioned, the concern was seizures instead of obesity? Or a previous stroke with limited strength in one arm? Or sev...
by guitarguy
Wed Aug 23, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3291

Re: Would you hire an obese nanny?

Wow. I won't come down on you too hard because...well...everyone else probably will. You don't know it's her "habits" that lead to her being overweight. Maybe you should teach your children that discrimination based on someone's looks is wrong...? Is she qualified or not? Jeez. Thread locked in 3-2...
by guitarguy
Tue Aug 22, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Hotel Credit Card
Replies: 19
Views: 1469

Re: Hotel Credit Card

In general for your purpose OP, you're best off spending on a 2% cash back card and saving the cash to go toward your hotel purchase. If you want to chase signup bonuses and use the cards and points for a specific stay, you could go a lot of routes. It's pretty easy to gather up a ton of Hilton poin...
by guitarguy
Tue Aug 22, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

Re: iPhone upgrade through Apple vs through carrier

Your line fee is $110 plus $20 per phone? Or $110 total and for how many phones? I didn't realize the companies even offer subsidized phones and contracts anymore. Re: consumer loyalty...when I find a company that I like I tend to stick with them until I find myself unhappy with the service and/or ...
by guitarguy
Tue Aug 22, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

Re: iPhone upgrade through Apple vs through carrier

Wife decided she's going to go to the Apple Store and see about getting her phone fixed. Current issues are: 1. Charging intermittently stops when plugged in. 2. Phone switches from vibrate back to ringer regardless of where the switch is set. If she can't get it fixed for a reasonable price she de...
by guitarguy
Tue Aug 22, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

Re: iPhone upgrade through Apple vs through carrier

ERISA Stone wrote:
Tue Aug 22, 2017 8:01 am
On the Apple plan, don't you simply turn in your phone when you upgrade? If so, you are losing any equity you may have in your old phone.
Well they give you a reimbursement for turning it in. Probably not as much as you'd get for selling on the private market though.
by guitarguy
Tue Aug 22, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

Re: iPhone upgrade through Apple vs through carrier

You realize customer loyalty was designed to solely benefit companies and consumers are not rewarded for customer loyalty? It's a psychological exploit used to make consumers less price sensitive and more "sticky" and "bundling" is the same thing, we are taught how to take advantage of it in busine...
by guitarguy
Tue Aug 22, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

Re: iPhone upgrade through Apple vs through carrier

Wife decided she's going to go to the Apple Store and see about getting her phone fixed. Current issues are: 1. Charging intermittently stops when plugged in. 2. Phone switches from vibrate back to ringer regardless of where the switch is set. If she can't get it fixed for a reasonable price she dec...
by guitarguy
Mon Aug 21, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

Re: iPhone upgrade through Apple vs through carrier

Apple is the most expensive way to get an annual upgrade. If you have other carrier options consider switching, in particular Verizon does some really attractive offers on iPhones several times per year and price wise is about the same as T-mobile now (I have unlimited data, 4 lines and would save ...
by guitarguy
Mon Aug 21, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1904

iPhone upgrade through Apple vs through carrier

So we're considering opting out of our AT&T next plan (24 installments, eligible for upgrade after 18 months) and going with the upgrade program directly from Apple (24 installments, eligible for upgrade after 12 months, and they tack on $129 to the price of the phone for their AppleCare+ coverage. ...
by guitarguy
Fri Aug 18, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4966

Re: Thoughts on Chase for everyday banking

I am trying to close my banking accounts with Chase. My reasons for doing it were: 1) essential zero interest on savings 2) no atm in my home town and they won't pay the providers atm fee 3) they do not appear to keep online transaction records for more than 90 days. I asked them to close the accou...
by guitarguy
Tue Aug 08, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6567

Re: Delta priority boarding - first timer

Personally - I don't think carrying a bag on is a big deal - at best it saves a good 10 to 15 minutes when you land (depending upon airport) - at worse - you might have to check it at the gate - in both cases it far beats your bag being delayed or lost. To each their own I suppose. Not when you tak...
by guitarguy
Tue Aug 08, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6567

Re: Delta priority boarding - first timer

Personally - I don't think carrying a bag on is a big deal - at best it saves a good 10 to 15 minutes when you land (depending upon airport) - at worse - you might have to check it at the gate - in both cases it far beats your bag being delayed or lost. To each their own I suppose. Not when you tak...
by guitarguy
Mon Aug 07, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 3231

Re: Any BH mountain bikers?

Update: well, I went for a ride this past weekend using some basic minimalist gloves with no padding. I exchanged my other ones and ended up just picking up a pair at REI along with my padded shorts. They are comfortable and have fingertips that work with my smartphone touch screen. MAN......what a ...
by guitarguy
Mon Aug 07, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6567

Re: Delta priority boarding - first timer

This. Exactly this. Oh look time to shove an old lady and kick a guy in the shin to board 2 extra spots early. Riff Raff. TBH, and this isn't necessarily directed at you personally, but the "riff raff" that is the worst are the people who have some semblance of status from a product, not from flyin...
by guitarguy
Mon Aug 07, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6567

Re: Delta priority boarding - first timer

Interesting to read all the comments about not checking bags. I went through that phase as fairly frequent business traveler, but totally past it now. Unless it is very short trip, I always check my bag. I'm generally carrying a fairly full backpack of laptop and other work-related material that I ...