Do you guys go on trips with friends/family ever, renting homes? Same with buying tickets to an event with a large group. This feels like obvious advice, but I think some guys still get nervous fronting that’s much money for people. Do it. It’s literally huge blasts of spend and unless you have complete asshole friends and family, you’ll get your money.
Yes, regularly. We are same. Heading to Montreal in a couple of weeks with a smaller group, but we also did 24 people in a huge Chicago place over the summer. I scooped all of those precious points.
Which "why" do you want answered? Why every 65 days? That's how often you can get them without going through review Why is it over? Because Citi finally caught on that it was worth it to kill it
chase sapphire reserve imo still the best general use luxury card for people who travel and eat out a good bit
As Lyrtch said, it's the Chase Sapphire Reserve. It has a $450 annual fee, but $300 of that can be used for anything travel related (airfare/tolls/uber/etc.). I downgraded mine because I wasn't going to travel for a year, but really wished I had kept it. Now I'm stuck waiting until October 2020 until I can apply again, which is 48 months after my original application. I spend a bunch of money at bars/restaurants, and that's a 3x category for the CSR. If you purchase airline tickets or hotels through the Chase portal, those points are then worth 1.5x.
The trip delay reimbursement is really worth it for the CSR as well. I usually end up using it once or twice a year and it makes up the rest of the AF.
and the lounges and the rental car insurance and the metal card that makes my penis feel bigger and the purchase protection
Had to get a new card this week because ISIS needed some new cell phones. I forgot how great it felt when the card was brand new. So heavy. So smooth. I wanted to rub it on my balls. Also, they overnighted it to me for free.
Anyone with AMEX Platinum card there is $10 off ESPN+ a year ($49). I stream a lot and for $3.33 a month I imagine I'll get my monies worth.
thy already have a 39.99 deal running - hard to hit that threshold unless you pay for 2 years up front, even if you can do that.
Just got my notice of approval for my $280 from back in July for my overnight stay in Denver. Super easy process, just takes some time to get through
Hmmm did not know that. I figured for the cost of a domestic beer a month I could spring for it. Now an import, ehhhhh let me think about this.
Where did you get that? I currently have $4.99/month sub via Google App store. When I go to manage my sub on espn+ website, it says to first go back to Google App store, meaning I would need to cancel before I can see any other options.
https://watch.espnplus.com/collegefootball/reactivate-save-now I guess it's specifically for users who stopped their sub.
I just dove into the game and am now going to be an adult and use a credit card for purchases instead of my bank card. I can't wait to collect my first batch of reward points in a couple months
Well, Currently I got a little CC debt that I'm trying to clear off, so I transferred all of it to a BoA card that has 0% for 15months. I'll have it paid off in a year or less. Beyond that the idea was to just find a good travel card to use for my day to day spending, then paying off the balance weekly/monthly. I just want to get rid of my debt first before I get too crazy. Also planning to try and buy an engagement ring in next 6 months :s
We do an annual ski trip. House is usually 10k. Trucks another 2k. Groceries/alcohol 1k. I've always tried to be the bank so we aren't worried about competing expenses. Everyone just owes one amount to me. Obviously I could easily credit a an excel sheet to do it with other people covering aspects, but then I wouldn't get the points. :)
Planned and paid for 2 bachelor parties earlier this year. Got the points and loved it. Would do it again in a heartbeat.
Got the Platinum in the mail two days ago. Forgot it was metal. Beautiful card. Unfortunately, my dumbass took too long deciding on a card and I won't have my Priority Pass in time for my trip. My old Priority Pass from CSR worked for about six months after I downgraded the card. I figured it would work until the actual Priority Pass expired (12/31/21). I was wrong. Not happy.
I had a friend last night tell me your credit cards were bad. I then told her how I was paying for a honeymoon all with credit card points and she quickly changed her turned
I read your first post before looking down to this and thought "must be a Dave Ramsey follower." If you are a total money idiot I guess his stuff works but anyone with any financial conscious is losing out with his bullshit.
With the Reserve I believe it's 6 hours or overnight. CSP maybe 10 hours, that number varies for different cards, but the overnight always qualifies. Mine was overnight so I had hotel, transportation, and meals. They'll reimburse up to $500 I think too so you can go for a lavish stay
I always felt is was great for people who just didn’t have self discipline. People who can’t control their money probably can’t control many other things in life.
I used to think he was more good than bad, and I just wasn't his target audience. But I listened off and on for a few months, and realized alot of his advice was legitimately bad/dangerous for certain people. His ELP program is sleazy af too. He lost his shit when Obama passed fiduciary mandates, and he couldnt peddle his high fee garbage to people who didn't know better.
team lying to people and providing bad financial advice to line your own pockets with their money is bad i'm also not nearly cynical enough to think people with low financial education need his brand of nonsense over just simple but accurate financial advice
The last episode I listened to, he just gave brutal back-to-back advice: Caller 1: Has 10k in an emergency fund, but job is a little unstable, and income can be variable month to month. Dave's advice: Drain all savings down to 1k, stop employer 401k match to pay off a student loan at 6%. Because "Baby Step 1". Caller 2: Parents are 70ish, only have 100k saved in a savings account, and even with social security, they have a monthly shortfall of like 1500 a month. Dave's advice: Go see an ELP, where they will invest all 100k into growth stocks making 12% (LOL). Not to mention his views on paying cash for college trigger me: https://www.youtube.com/watch?v=OfKKQVYIKSE . Just typical unrealistic bootstrap garbage.
Feel like for people who can’t control their spending playing with credit cards is dangerous financially. For those that can there is still risk but it is minimal for sure.