Search found 1516 matches

by guitarguy
Mon Apr 10, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit - General Questions
Replies: 18
Views: 1402

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: 1402

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: 51
Views: 3238

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: 51
Views: 3238

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: 51
Views: 3238

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: 835

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
Replies: 135
Views: 14189

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: 835

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
Replies: 135
Views: 14189

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: 51
Views: 3238

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: 51
Views: 3238

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
Replies: 135
Views: 14189

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: 1651
Views: 252570

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: 1949

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: 1651
Views: 252570

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: 1533

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: 332

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: 1651
Views: 252570

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: 1651
Views: 252570

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. https://thepointsguy.com/2016/05/andaz-maui-mak...
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: 1887

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: 1651
Views: 252570

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: 5904

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: 4122

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: 5904

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: 842

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: 1651
Views: 252570

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: 1651
Views: 252570

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: 1651
Views: 252570

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: 1651
Views: 252570

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: 1651
Views: 252570

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. https://thepointsguy.com/2016/05/andaz-maui-mak...
by guitarguy
Wed Mar 29, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 252570

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: 1651
Views: 252570

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: 1651
Views: 252570

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: 1651
Views: 252570

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
Tue Mar 28, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Best business checking and credit card for sole proprietorship
Replies: 13
Views: 613

Re: Best business checking and credit card for sole proprietorship

I use Chase Total Business, and an Ink Plus Business card (no longer available). I may downgrade this to the Ink Cash card to avoid the annual fee, as we spend nowhere near the limits...but still debating. I find Chase UR points much more valuable than cash back, and I already do my main personal ba...
by guitarguy
Fri Mar 24, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 743

Re: Bank mobile e-payment to another person. Good as it seems?

Chase Quickpay, SquareCash, Venmo, PayPal. All free. All secure. All work flawlessly. I use all of them. I use Quickpay to handle business from my Chase business checking account. My business also accepts PayPal. SquareCash and Venmo are easy for splitting the check. Doesn't PayPal charge a % and a...
by guitarguy
Fri Mar 24, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21537

Re:

DSInvestor wrote:
gravlax wrote:double double animal style.

double double animal style with hot peppers.


My man. 8-)

Whattaburger and Culvers are also really good.

Dairy Queen is also surprisingly good.
by guitarguy
Fri Mar 24, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 743

Re: Bank mobile e-payment to another person. Good as it seems?

Was that one reason that banks switched their mobile personal payment services to free over the last few years since PayPal didn't charge their senders or receivers a fee? Bank to bank transfers (Chase Quickpay at least) have been free for several years. Only downside was transfers to other banks t...
by guitarguy
Fri Mar 24, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 743

Re: Bank mobile e-payment to another person. Good as it seems?

Chase Quickpay, SquareCash, Venmo, PayPal. All free. All secure. All work flawlessly. I use all of them. I use Quickpay to handle business from my Chase business checking account. My business also accepts PayPal. SquareCash and Venmo are easy for splitting the check. Doesn't PayPal charge a % and a...
by guitarguy
Fri Mar 24, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Bank mobile e-payment to another person. Good as it seems?
Replies: 14
Views: 743

Re: Bank mobile e-payment to another person. Good as it seems?

Chase Quickpay, SquareCash, Venmo, PayPal.

All free. All secure. All work flawlessly. I use all of them.

I use Quickpay to handle business from my Chase business checking account. My business also accepts PayPal.

SquareCash and Venmo are easy for splitting the check.
by guitarguy
Fri Mar 24, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 252570

Re: What's Your Credit Card Rewards Strategy?

As a side note, I'm wondering why generally people bash the Delta Skymiles program...? :confused I nabbed the Delta Plat Business and Delta Gold Business for 70k and 50k mile bonuses, plus joined the dining program and racked up another 5k miles. Based on flights to Hawaii for this November, I'm lo...
by guitarguy
Fri Mar 24, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Skinny Ties
Replies: 14
Views: 1895

Re: Skinny Ties

Check out thetiebar.com - no comments on durability as I maybe wear ties 5 days a year, but good range for decent prices. +1 for The Tie Bar. All of my ties, except gifts and a couple impulse purchases, are from there. They have been much more durable than any of my other ties. They are well made a...
by guitarguy
Fri Mar 24, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4555

Re: How did you do your income taxes?

I have a guy. CPA. Friend-of-a-friend rate of $100 that includes preparation and filing for Federal/State/City, a nice large folder with copies of everything for us, and a bottle of water. Plus I can call him for advice anytime I have a question throughout the year. Good dude. W-2s, Schedule C, 109...
by guitarguy
Fri Mar 24, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4555

Re: How did you do your income taxes?

I have a guy. CPA. Friend-of-a-friend rate of $100 that includes preparation and filing for Federal/State/City, a nice large folder with copies of everything for us, and a bottle of water. Plus I can call him for advice anytime I have a question throughout the year. Good dude. W-2s, Schedule C, 1099...
by guitarguy
Fri Mar 24, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 5679

Re: What online bank do you use?

Ally for all of our savings "buckets" (Tier 1 of E-Fund, next vehicle fund, misc cash, "escrow" savings)

Chase for primary checking and business checking.
by guitarguy
Fri Mar 24, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 252570

Re: What's Your Credit Card Rewards Strategy?

As a side note, I'm wondering why generally people bash the Delta Skymiles program...? :confused I nabbed the Delta Plat Business and Delta Gold Business for 70k and 50k mile bonuses, plus joined the dining program and racked up another 5k miles. Based on flights to Hawaii for this November, I'm loo...
by guitarguy
Thu Mar 23, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: ?? purchasing grocery store cards to maximize cc rewards
Replies: 6
Views: 605

Re: ?? purchasing grocery store cards to maximize cc rewards

Read the fine print first. Amex, for example, does NOT count superstores and member stores (like WalMart SuperCenters, Sam's Club, Costco) as regular supermarkets for the Blue Cash Everyday card 3% rewards back on groceries. Check and see if Chase has same policy. Make sure the where you do your ma...
by guitarguy
Thu Mar 23, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: ?? purchasing grocery store cards to maximize cc rewards
Replies: 6
Views: 605

Re: ?? purchasing grocery store cards to maximize cc rewards

Chase has notified us that they are closing our rewards card for lack of useage (we've switched rewards cards). The card is good til the exp date of May. However, Chase IS offering 5% rewards on grocery store spending starting April. I was thinking of putting $500 on a grocery card on April 1 for t...
by guitarguy
Thu Mar 23, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 252570

Re: What's Your Credit Card Rewards Strategy?

Question for something I'm currently wondering is, say I was approved and opened up a card on month/day/2015. On month/day/2017, will that card *immediately* open me up another slot with Chase, or does it take time to "fall off"? Wait a couple weeks? Is it based on when the card was recei...
by guitarguy
Thu Mar 23, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1651
Views: 252570

Re: What's Your Credit Card Rewards Strategy?

Question for something I'm currently wondering is, say I was approved and opened up a card on month/day/2015. On month/day/2017, will that card *immediately* open me up another slot with Chase, or does it take time to "fall off"? Wait a couple weeks? Is it based on when the card was recei...

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