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Discussion in 'The Mainboard' started by blind dog, Apr 10, 2015.
doctor of credit needs to get a better website
And needs to cut out the "save $9 on lacroix"
I think you should be OK applying for the SPG Lux - Amex is more lenient with approvals if you don't have a history with them and you have a good score.
Just a heads up - if you decide to apply, you can always use my referral link ;)
Direct Link - https://amex.co/2Qcg0ls
If that doesn't work - http://refer.amex.us/PRATIDFJsu?xl=cp15 and select the card from the "View all personal cards" section.
IIRC, Amex limits the points you can get by referring people each year to be under the 600$ limit (e.g. Platinum has a referral bonus limit of 55,000 MR which is equivalent to 550$ in cash). Same went for Chase before they nuked the referrals.
We've got dansdeals for that.
Have been listening to a LOT of Dave Ramsey lately. Appreciate his perspective on being 100% anti-cc. Just have to remain incredibly vigilant regarding statements, annual fees, and rewards.
Idk man, my car is paid off, no debt, and our mortgage will be paid off within six months... feeks prettt amazing.
Whatever works for you I guess
Dave Ramsey is worthless unless you're a total money moron.
I use the site more for the reviews of different airlines and hotels
How big was your mortgage?
I love how Dave Ramsey recommends people should pay cash for their house, like that’s a feasible option for most people.
Owe 100, selling for 260, purchasing next house hopefully for 140.
He recommends 15yr fixed mortgages also, provided 25% down and PITI less than 25% of your monthly income.
Dave Ramsey is a simpleton
Anyway, weird tangent. Never hurts to be actively engaged in your finances and long-term goals.
that’s great, but it isn’t feasible for most people looking to buy their first homes (at least on the west coast and NE).
You don’t want the mortgage interest deduction?
Ever since I had a coworker blow up on me about how amazing he is, I've been doing the same thing. His anti-debt at all cost attitude is probably a good attitude for like 80% of the population who have no clue about finances. But some of his advice is asinine, and his ELP program is The Points Guy level gross. His contention that you can pay 100% of school costs delivering pizzas or driving for uber is just the dumbest baby boomer bootsrap crap I've heard. I have been attacking debt aggressively for a while though, similar to what he teaches, so I agree with him there.
I'm glad he worked for you though. That's got to be an awesome feeling.
Well I’d have totally failed that with my 7 year interest only ARM.
These one size fits all peddlers don’t go too far if you have some commons sense and accountability.
That’s minimized now...
Good heavens... I don’t care what any of you do with your finances. I like the churning game, lots of great wisdom ITT.
I never said “you should do what Dave Ramsey says.”
Since I started the convo kind of with Abagnale's video, I'll sum it up further in case people skipped it...he talks about how bad using debit cards is mostly from a security perspective, and how credit cards offer far better protection. He did get into credit scores and the Equifax stuff a little, which further supported his stance of only using credit cards for security. He also tied it back to identity theft...if your name, DOB, and SSN are stolen, that info can be stored for years before someone decides to use it, but with credit card numbers they have a very short shelf-life in breaches.
Agreed 100%, and thanks, don’t even need to watch the video now
Back to the topic of rewards and cards -
You made me look at the TPG Awards, literally presented by Chase and Hilton
Who could've guessed
Going for companion pass next year. I have two questions. First, strategy wise is it best to apply for the business card first (if denied I won’t get the miles regardless)? Second, do I need to wait any length of time between applying for the business and personal?
My pops is flying Sunday on my miles so he is going to get me the 50k for $2k spend in flight offer. Unless there are referrals that offer that.
Let me know how he gets that offer to you (paper, etc.) - I’m flying on Southwest in a couple of weeks so I’m gonna try to grab an offer while I’m on the flight.
Got an email AA Platinum Select offer for my cat. 40k pts after $2k in purchases in the first three months. Is the something I could call to get the extra pt bonus? Or do I need to wait for a mailer?
Thoughts on the inflight Barclay’s card for AA? It’s $95 annual fee and you only have to make one purchase to get the 50K miles. So basically $96 for 50K AA miles.
I have a couple of those. Not a bad deal at all for some quick AA points.
It's usually 60k
Most things I've read say they only match 15,000. So that would work if there's no language on there about 24 mo but it's just lower than usual
Check the application page for 24 month language. I get those emails alot, but they always have that caveat when I actually open up the application.
I'm trying to decide if I should apply for another Citi AA or get the Schwab Amex for triple dipping on the Airline Credit.
What would y'all do?!
Amex if you can hit the spend
Getting honeymoon stuff put together.
Cant believe I can use 40k AA points to get to Tahiti via MCO>LAX>PPT.
I can barely fly in the country sometimes with AA
Breakdown? Also interested in yoru itinerary as I'm planning a Tahiti honeymoon too.
Seconded. It’s been almost ten years, but I’ll never not be interested in French Polynesia talk.
Chase ultimate rewards still the best to pair with my southwest card? I hit the companion pass so now i want to get hotel points with money im already going to be spending on the house.
It's a safe, flexible option for sure. And can transfer to southwest
Some with better sign up bonuses though right now or perk?
If you’re looking for the most Ultimate Rewards in one card right now, it’s the Chase Ink Preferred with 80,000. Don’t know if you have that one yet. I assume you’re under 5/24
Welll, we robbed citi of enough AA points and it’s just a straight redemption. Literally no fancy work. Takes almost the same points to fly to the west coast from FL as it does to get from FL to Tahiti.
We’re island hopping in around Tahiti for 5 nights and then we’re spending 3 nights on Bora Bora and then flying back from Tahiti via the same exact redemption cost. Just a stupid good value. This is obviously in coach. We just did the exit row seats near the bathrooms.
Haven’t dug much into what we’re doing while we’re there. There are so many excursions it’s ridiculous.
What islands? Moorea? Taha’a? Huahine? Moore is so close to Tahiti that is a must-do. I can recommend some excursions for there and Bora Bora. Regardless, I’m legitimately excited for you.
Did Marcus lose a kidney on vacation?
Chase sapphire reserve is arguably the top personal card now but much of its success has been nerfed by cutbacks in benefits, bonus and other cards improving. 50k bonus
Chase sapphire preferred is 50k also with no annual fee the first year. You can upgrade to csr or downgrade to a free card after
Ink is 80k but bigger spend requirement and is a business card so you have to be comfortable with that