Search found 122 matches

by DrGrnTum
Wed Jul 15, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

Re: Amex offer. Ok guys i'm confused. Those of you that got the Amex $2500 from Better, did you all have targeted offers from Amex that you clicked? Or can I just go to the Better-Amex offer site and apply? The terms clearly say you have to apply through a targeted offer link. Here is a link that m...
by DrGrnTum
Wed Jul 15, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 707
Views: 165685

Re: Bank of America/Merrill Edge - Preferred Rewards

Interesting write-up from a travel credit card churning site. The writer talks about retirement investing and The Preferred Rewards program. The writer also mentions a "Larry". https://frequentmiler.boardingarea.com/retirement-planning-mistakes-fixed-by-credit-cards/?utm_source=milesfeed.c...
by DrGrnTum
Fri Jul 10, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

For those who qualified for the $2,500 AMEX statement credit via Better, did you actually receive this? How did you connect to your AMEX account? Was this done at the end? I’m asking because Better says I qualify for this promotion, but I have no official confirmation from AMEX. After better sent m...
by DrGrnTum
Thu Jul 02, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Is PayPal considered Direct Deposit?
Replies: 4
Views: 539

Re: Is PayPal considered Direct Deposit?

Here's the list of data points by bank: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/. I don't think PayPal distinguishes between P2P payments and say an eBay sale, it'll look the same to the bank. Vanguard and other brokerages tend to count as direct depos...
by DrGrnTum
Tue Jun 30, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

Another thing that has been pointed out in this tread. Make sure the email you use to login to Better's site is the same as what is active on the account for the Amex card. I had issue with this, but I think I have it worked out. Good luck. That's a good reminder. Will make sure that the same email...
by DrGrnTum
Tue Jun 30, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...
by DrGrnTum
Tue Jun 30, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

I went through better website to apply. Got a call from the rep. I told them that I have an LE that I would like them to take a look at and see if they can beat. Which they did. Before I even mention the competitor LE. The rates better initial offer was poor. Then I told them about the Amex promo. ...
by DrGrnTum
Tue Jun 30, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...
by DrGrnTum
Tue Jun 30, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

I would first like to thank everyone who have responded to this refinance mega thread. It's been very informative. I'm trying to help someone who is going through their first refi, and it's been a challenge. I've concentrated on the lenders that are mentioned the most (LenderFi, Loan Depot, Better,...
by DrGrnTum
Thu Jun 18, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9455
Views: 660156

Re: Refinance Mega Thread

Just a quick note on the Better $2,500 Amex bonus. There have been previous posts were people have checked with Amex and were told that the email on the eligible CC needs to match the email that is in the Better account. People have said that they changed the Better email using the provided utility ...
by DrGrnTum
Wed Apr 01, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

The credit card reward game seems to be changing because of the Corona Virus. I read that Chase is sending out statement credits of $100 for the annual fee on the Sapphire Reserve. I also read that they are suspending their business affiliate links. The Points Guy is going to take a hit. I also see ...
by DrGrnTum
Thu Oct 24, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 7223

Re: Best credit card for 2 mil+ in annual spending?

by gougou » Wed Oct 23, 2019 3:26 pm I would caution against using BofA Premium Rewards card and put $2M+/year of spend on it. I run a reselling business and spent about $100K/month on the BofA Premium Rewards card for their 2.625% cash back. About 8 or 9 months later I received a letter saying: &q...
by DrGrnTum
Sun Jun 16, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3760

Re: Anyone make their own tortillas?

My mom used to make tortillas every day when I was growing up. Here are the ingredients I remember her using for flour tortillas. All purpose flour Banking powder Salt Oil Water I remember her using Grabber Girl baking powder. And she used to use animal lard at first. She later changed over to regul...
by DrGrnTum
Wed May 29, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

spammagnet » Tue May 28, 2019 4:57 pm MikeG62 wrote: ↑Tue May 28, 2019 9:08 am ... The Ink cards don’t work for me as they are business cards. ... There is little to prevent you from opening business cards as a sole proprietor, using your SSN as tax ID. It is a common approach. Chase really doesn't...
by DrGrnTum
Mon May 20, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 84
Views: 9649

Re: Churning Credit Cards

You don’t have to churn cards to reap their benefits. You can set up a system of cards that allows you to pool your points into one account. If you have a spouse, they can acquire different cards and supplement your total points. IMHO, with all the rules and conditions that the banks have imposed fo...
by DrGrnTum
Mon May 20, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 84
Views: 9649

Re: Churning Credit Cards

investor997 » Sun May 19, 2019 2:43 pm Is there any consensus how many cards is too many? I have a Chase Southwest VISA that I never use. Got it 18 months ago and was going to cancel at the 12-month anniversary but Chase waived the annual fee so I still have it. What I'd like to do is swap it out f...
by DrGrnTum
Sun May 19, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 84
Views: 9649

Re: Churning Credit Cards

triggerfish10 » Sun May 19, 2019 8:22 am How much is one's credit score affected by applying for several credit cards every year? Say you have a high score of 700s to 800, you will take a hit of a few points every time you open a CC. After you have had the cards for awhile and you are diligent in p...
by DrGrnTum
Fri Apr 12, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

Unread post by VictoriaF » Thu Apr 11, 2019 8:15 am For those considering getting Chase IHG card with the 80k + 40k = 120k bonus, I have seen bloggers posting the end date of the offer on May 1st, 2019. See for example, Doctor of Credit, https://www.doctorofcredit.com/targeted ... 00-points/ I want...
by DrGrnTum
Fri Mar 29, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 3231

Re: Maximizing Chase freedom 5%

DW has a Freedom and I have a Freedom. I also have the Reserve. All our points are transferred to the Reserve at the end of the month. Since we use all our bonus points for travel this works out really well for us. Costco and Walmart are good cards to buy online. For the past year I have used variou...
by DrGrnTum
Sat Mar 23, 2019 1:00 pm
Forum: Personal Investments
Topic: 3% on Checking - Redneck Bank, not a joke
Replies: 19
Views: 3944

Re: 3% on Checking - Redneck Bank, not a joke

Let me offer another method to satisfy the monthly debt card requirements. Attach the debt card to your Amazon account. Use it to load $.50 to your electronic gift card. Takes around 5 minutes to load 10 transactions. I use this method to keep one of my bank accounts free from monthly fees. I initia...
by DrGrnTum
Sat Jan 12, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 26
Views: 3105

Re: Cancun in January

by wfrobinette » Fri Jan 11, 2019 2:07 pm Never have I ever needed pesos when travelling to Cancun. My wife and I have had a wonderful time in the number of times we have been to Cancun. If you spend all your time in the hotel zone you would never have a need to use pesos and in my opinion, you can...
by DrGrnTum
Sat Jan 05, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: New to "CC Game/Shuffle"- How do you effectively access CC offers?
Replies: 25
Views: 2111

Re: New to "CC Game/Shuffle"- How do you effectively access CC offers?

The first question that needs to be asked is: Are you presently paying interest on a credit card Balance? No one should start this game if they don’t have the discipline to totally pay off the balance when it is due. The next thing you should do is come up plan. Are looking to travel? Do you have a ...
by DrGrnTum
Thu Jan 03, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve points
Replies: 19
Views: 2741

Re: Chase sapphire reserve points

Post by iasw » Tue Jan 01, 2019 5:53 pm TPG is a credit card salesman. Doctor of Credit is impartial. Don't worry about getting absolute max value out of your points. Where do you want to go? Plan your trip and of points can get you there, use them. Either in the portal, or Southwest, maybe Hyatt. ...
by DrGrnTum
Thu Jan 03, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 85
Views: 12752

Re: Chase Sapphire Reserve

by DrGrnTum » Thu Jan 03, 2019 12:29 pm by arf30 » Thu Jan 03, 2019 12:12 pm DrGrnTum wrote: ↑Thu Jan 03, 2019 12:08 pm I would pay the taxes with a Chase Sapphire Preferred. The annual fee is waived for the first year. Good point, it has the same $500 bonus and I can just downgrade it to a Freedom...
by DrGrnTum
Thu Jan 03, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 85
Views: 12752

Re: Chase Sapphire Reserve

by arf30 » Thu Jan 03, 2019 12:12 pm DrGrnTum wrote: ↑Thu Jan 03, 2019 12:08 pm I would pay the taxes with a Chase Sapphire Preferred. The annual fee is waived for the first year. Good point, it has the same $500 bonus and I can just downgrade it to a Freedom card after the first year. And for the ...
by DrGrnTum
Thu Jan 03, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 85
Views: 12752

Re: Chase Sapphire Reserve

I've got federal taxes coming up, was wondering if it makes sense to get a CSR and use it to make the payment, or if there's some other card that will have a bigger bonus. I'm only interested in cashing out, not doing any travel. I could probably combine it with the Sapphire checking bonus as well....
by DrGrnTum
Mon Nov 19, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

SlowMovingInvestor wrote: ↑Thu Nov 15, 2018 7:04 pm I also discovered that 50K is not the best -- there is a better 75K targeted deal. Not sure how I can get myself targeted. Reupping this question. I have an offer for 50K delta miles with the Amex delta card. There is a better 75K targeted deal, b...
by DrGrnTum
Tue Nov 13, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

jumbopapa wrote: ↑Tue Nov 13, 2018 5:58 am TravelforFun wrote: ↑Mon Nov 12, 2018 9:26 pm sco wrote: ↑Mon Nov 12, 2018 8:07 pm TravelforFun wrote: ↑Mon Nov 12, 2018 7:27 pm sco wrote: ↑Mon Nov 12, 2018 6:35 pm I get my companion passes in January so it is good for 23 months. It's great that you can ...
by DrGrnTum
Thu Oct 04, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

I'm not a pro in this CC churning game, but if I apply for Chase IHG or CitiCards TY card, can I buy a grocery GC of a few hundred and count it as spending for the bonus purposes? I think AmEx is picky which GC count toward spending, but not sure about Citi and Chase. Just to be clear, I don't inte...
by DrGrnTum
Mon Jul 23, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Business Credit Card
Replies: 10
Views: 1327

Re: Business Credit Card

I think you are asking for information on how to apply for a credit card? In particular, a business credit card? If that is what you are asking all you have to do is google “business credit cards”. If you want to tie this down to a particular financial institution google the praise: “ bank name busi...
by DrGrnTum
Wed Jul 04, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How can I pay my credit card balance with a Visa Gift Card?
Replies: 32
Views: 26540

Re: How can I pay my credit card balance with a Visa Gift Card?

To me it appears that manufacture spending is still alive but not as easily done as it was a couple of years ago. Here are some of the sites where you might find some information. https://www.flyertalk.com/forum/manufactured-spending-719 https://www.pointchaser.com https://churning.rankt.com On this...
by DrGrnTum
Fri May 25, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2605

Re: Rum and Summer Cocktails

Mojito. Take two or three fresh mint leaves and place them in a tall glass with a drop of water. Find a wooden stick or anything wooden with an end that has the circumference of a $.50 piece. Use that stick to mash and pulverize the mint leaves in the glass. Squeeze the juice of half a fresh lemon i...
by DrGrnTum
Tue May 22, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: both spouses not wait for SS ?
Replies: 26
Views: 3909

Re: both spouses not wait for SS ?

The ability for couples to implement the SS strategy of restricted applications was changed recently . . . please consult with the SSA before you proceed as is being suggested here. It didn't change for the OP because he was more than 62 on 1/2/16. My apologies. I believe that I am in the same situ...
by DrGrnTum
Tue May 22, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: both spouses not wait for SS ?
Replies: 26
Views: 3909

Re: both spouses not wait for SS ?

Has any one use this calculator along with their XML download that they get from their Social Security login account? https://financialengines.com/education-center/social-security-planner/ My wife and I are in the same boat as the OP. Using this calculator I found that can also do the file and suspe...
by DrGrnTum
Wed May 16, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Cash Back or Points? Spending Strategy
Replies: 5
Views: 1240

Re: 2.5% Cash Back or Points? Spending Strategy

If you are traveling strictly on the west coast you may want to check out using Southwest airlines and signing up for their two cards. The two cards at different times have had different bonus. Right now, the two cards each have a 40K bonus. At one time the bonus on each was up to 60K. What you can ...
by DrGrnTum
Sun Apr 22, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 23
Views: 3634

Re: Best CashBack creditCard with no foreign transaction fee.

The Chase freedom Unlimited is a no fee card that right now is offering 3% cash back for a year.

https://creditcards.chase.com/cash-back ... g1/ccpers1
by DrGrnTum
Fri Apr 20, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 92
Views: 27923

Re: What is a good flat rate cash back credit card?

Thank you so much for all your inputs my fellow Bogleheads :) really appreciate the discussion. Is it more pragmatic to get multiple chase cards and pool the UR? i am planning to apply for a CSP in 6-8 months as i have some expenses coming up and want to hit the spend bonus then. Google “Chase 5/24...
by DrGrnTum
Fri Apr 20, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 92
Views: 27923

Re: What is a good flat rate cash back credit card?

Thank you so much for all your inputs my fellow Bogleheads :) really appreciate the discussion. Is it more pragmatic to get multiple chase cards and pool the UR? i am planning to apply for a CSP in 6-8 months as i have some expenses coming up and want to hit the spend bonus then. Google “Chase 5/24...
by DrGrnTum
Tue Apr 03, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4967
Views: 950645

Re: What's Your Credit Card Rewards Strategy?

IMO, the better benefits on the Citi Double Cash card make it better than than the Alliant, at least after the first year. Citi Double Cash is currently offering a $100 sign-up bonus after spending $500 in the first 90 days. The 2% Fidelity Signature VISA also is currently running a $100 sign-up bo...
by DrGrnTum
Tue Mar 27, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 6757

Re: CBP (INS) Global Entry program worth it?

I just signed up for the PenFed Pathfinder AmEx (no annual fee) in part because it reimburses the G/E application fee every 5 years. Also $100 Credit each year for airline incidentals and no foreign transaction fee. That is a pretty good deal. Were you already a member or did you have to open an ac...
by DrGrnTum
Mon Mar 26, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 65
Views: 6757

Re: CBP (INS) Global Entry program worth it?

My wife and I both have Global Entry. If you travel by air a lot it is the best thing to have. Coming back from international flights through a major hub is when it really comes in handy. We have become accustom to blowing past long lines. We noticed the difference when we traveled with another coup...
by DrGrnTum
Sat Mar 17, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: 5/24 rule for rewards credit cards - bunching applications
Replies: 31
Views: 4061

Re: 5/24 rule for rewards credit cards - bunching applications

Be careful on applying for “Business” cards with Chase. My brother applied for a couple of business cards and did not get approved for them until he provided proof that he did have a legitimate business. If you don't really have a business, you may get a call from Chase. On the churning sites there...
by DrGrnTum
Sun Mar 11, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: need help with travel plan with CC rewards
Replies: 9
Views: 1280

Re: need help with travel plan with CC rewards

It helps if know where you are traveling to. If you know where you are going then you can get the card that will best help defer the cost. If you are traveling mostly in the US, then you need to sign up for the card that will help with the cost of the airline. The Southwest / Chase Preferred Is a ve...
by DrGrnTum
Sun Mar 11, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: need help with travel plan with CC rewards
Replies: 9
Views: 1280

Re: need help with travel plan with CC rewards

If you are looking for the most bang for your buck with minimal amount of work then I would recommend that each one of you open a Chase Sapphire Reserve. You have to spend $4,000 in three months to get 50,000 bonus points. It has an annual fee of $450 that is charged when you open the card. That fee...
by DrGrnTum
Mon Mar 05, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 12441

Re: AmEx Delta Gold Not Honoring Bonus

My guess is that paying the large amount for the taxes is what flagged the account for review by the AMEX Rat team and they disqualified the bonus. Just a guess. I would guess this is a disallowed manufactured spending activity as a cash like purchase, similar to buying gift cards. I don't believe ...
by DrGrnTum
Sun Feb 25, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Playa del Carmen Vacation -- Excursion and Restaurant tips
Replies: 17
Views: 1557

Re: Playa del Carmen Vacation -- Excursion and Restaurant tips

The ruins at Tulum are very picturesque by the ocean. I like the site at Chichen Itza. It is a pretty extensive complex of Mayan Ruins. It is an all day trip to get there and back. The bus tour we took stopped at a Cenote (deep water hole). People brought their swim suits. I wished we had brought o...