I love credit cards so much! v2.0 (see first page for add'l details)

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sorry, i didnt get back to u in time for u to use the 14% at ebates. AO is Amex Offer.
there is a Dell Amex Offer that is spend up to $1500 get 10% back.

edit: image for reference...
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The way I read it, it’s spend up to $15k, because you get a limit of $1.5k statement credits, which is 10% back on $15k. You could’ve gone for a much bigger tv!
 
Sometimes they have more than what’s on the Costco website because Costco actually calls Disney to book. If it’s on the DCL website as available, Costco should be able to book it.

That happened to me. Called Costco and told them what room I wanted. They called dcl, confirmed it was available, and booked it.
Thanks both. That makes sense. I was just hoping to avoid another phone call completely, if I'm calling I may as well transfer the current reservation :P
 
Does DH have to be the one to call, or even available when I call? Is it an automated system?

Automated. Call 1-800-432-3117, and follow the prompts by pressing #, 3, 1, SSN. This should give you the status of your application. If it's pending at "30 days," your application is still being reviewed; "2 weeks" is still looking good, with likely approval; "7-10 days" is likely denial and you'll get a letter explaining the decision. Call as much and often as you'd like. We don't judge.
 


Can someone remind me when I can downgrade PNC? I completed all the requirements about a week ago for the $300 bonus.
 
Automated. Call 1-800-432-3117, and follow the prompts by pressing #, 3, 1, SSN. This should give you the status of your application. If it's pending at "30 days," your application is still being reviewed; "2 weeks" is still looking good, with likely approval; "7-10 days" is likely denial and you'll get a letter explaining the decision. Call as much and often as you'd like. We don't judge.

Woohoo! Approved! Thanks so much!!
 


DH is discussing a new job with the CEO of said company. He calls me to fill me in. Starts with "they give me a car." Um, nope, I use the heck out of the hertz points plus the 3x we earn booking the hertz for work every week. That brings me to his next statement..."he also mentioned a company credit card." Double nope. Absolutey not. All these perks are what makes it tolerable that he is out of town 2-4 nights a week and works crazy hours. Keep on searching hun, I can't handle all these changes. Plus, it is in TN. Triple nope.
Just present a travel expenses bill, like your job must pay $XXXXX more if they take away these perks :rotfl: I bug DH occasionally because mostly he can't book anything himself for work travel, but I don't think he really realizes the potential of that. Actually maybe I should make sure and get him something new before he starts traveling for these new jobs, since he'll have extra expenses from that (at least he gets to expense gas/food? I guess...)

DH has to use the company card too and I hate it. He has a four night stay at a Hyatt in april and I have that new Hyatt card to meet MSR on.
DH doesn't even get a company card, their "travel coordinator" who is basically the owner's wife so they can collect another paycheck books all travel. It drives me batty because she's super difficult and bad at it plus it's just super unprofessional to me, she's always booking them stays through Hotels.com. That just doesn't seem right to me, if I want to do that for personal travel that's one thing, but I feel like work travel should at least be booked direct... Plus she always just picks the cheapest place if she can get away with it, even if it's icky/in a bad area/the farthest away from the job site.

Along the lines of dh's jobs, my dh text me the other day that he got a promotion...Went from IT Director to Senior IT Director. He did not get a raise this year so I got hopeful thinking maybe they gave him a raise. LOL, nope no raise, just more responsibility. Gotta love working for a nonprofit:laughing: He really needs to find a new job. Preferably in FL or TX!
Sounds like my job a bit :P Last month they announced they are doing another buyout for those who are close to retirement. We weren't fully staffed before anyways, but they have cut 4 jobs over the last year from our department but upped the work. This time we have 3 more people eligible for the package, and I think they will cut 1-2 of those jobs if they take the package :sad2: Apparently at the end of the year, they are taking away all of the technical testing from the plants and only doing it at corporate - on one hand good in that they obviously don't want to staff what it actually takes to get everything done, on the other bad because I'm sure there will be more cuts or another package (which they originally told us there would be packages in 2018 and 2020).

I always talk to people and they talk like raises are normal and if you don't get one, something is wrong. I think a lot of people don't realize how many people never get raises. Cost of everything else goes up but my dh gets no more pay. That is exactly why I do what I do for vacation money. When I say we could never afford our trips otherwise, that is 1000% truth.
Ugh. I think you are spot on here. Here everyone gets a 'cost of living' raise in the spring. And then management can give extra on that as a reward for being a good employee (and if you're really bad, they can give less than COL). Though it seems like a low amount for here in Denver; I'm starting to wonder if they just do an average across the entire company no matter where in the US you are. That was what they told us they do with salaries in general; I must fall within a range of people in my position no matter if they are here in Denver or in NE/IA/GA. Makes me wanna be like, alright I'll just keep my current pay and go to the plant in NE, my salary will go a lot farther there - example, DH and I would have gotten something like this long ago and put in a new kitchen https://www.zillow.com/homes/for_sa...689622,40.773668,-96.717088_rect/14_zm/0_mmm/ (ahhh the woodwork around the doors and windows :love:)

Remember all my heartache over the stupid raise in the Fall that was supposed to put me 'where I should be' with regards to other employees, specifically the fact that I was making less than our new person? This spring raise is supposed to be the other part of that basically to increase the gap. We get evaluated at the end of the year and scored 1-3, then use that as justifications for raises. Apparently they make you jump through hoops to score someone a 3. My boss has told me that I am the only one who was scored a 3, thanks to all my hard work, and that should help get me more. I am interested but also scared to see what this 'more' is. Apparently my old dept manager who is no longer with us would not score anyone as a 3 because she did not want to go through the work of justifying that to the people above her, so everyone was a 2 and got COL plus maybe a little extra (like me) and then gave a bunch to the guy that she had a uh, suspicious relationship with, being as they were both married... I'm sure she also went through the legwork to score him a 3. My old boss (who also took the package last year) had worked here for 28 years and moved up to a supervisor role, college degree, etc... she was making $6 or $8 less per hour than this guy, who had been here 4 years, no education after high school, no responsibility, and actually had a guy below him who did all the work while this guy just sat around in his office and threw temper tantrums. He also chased out one of the best employees in the department.

Anyways, I just have this feeling they'll be like Your raise is X.X%! like they're giving me the world, they worked so hard to give me that after going through the work of scoring me a 3... and I will be like, that's less or the same as what I've gotten in the past...

Dh told me today we put away 48% in savings/retirement.
That's awesome! DH and I are having a meeting this weekend about savings for this year - now that he's sold his big jobs, he can make an educated guess at what his commission will be, so we can plan for taxes and such. Today I'm going to run some numbers on what our tax bill could look like with various amounts going to 401k... plus what that does to his regular pay. His job is such a pain to figure this for because his base pay is spread over 26 paychecks, but commissions are an additional check once a month... when the customer has paid out... so the IRS calculator isn't the best as I can't account for that part.
 
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Took advantage of Amtrak's free companion sale yesterday and got Acela tickets to Philadelphia for a summer long weekend. Rarely do we splurge on the Acela, it really takes a sale like this. But it's a pretty nice train and fun to ride.

We head to WDW this weekend - DW flies out on Sunday, I leave on the train tomorrow. Taking the Silver Star this time, instead of the Silver Meteor. It's largely the same route but diverges in the Carolinas and departs/arrives in Orlando a few hours earlier. Looks like the train has been running mostly ok this week, delays aren't too bad except for a near 2-hour delay on the 2/10-2/11 train. It's going to be raining in DC with some southern snow tomorrow so hopefully that won't hold things up. Actually some snow during the ride is pretty pleasant. Today's train is about 45 minutes late into Jacksonville, that's not bad.

It's our first DVC trip - 2 nights at the Boardwalk in a standard studio, followed by 6 nights in a savanna view studio at Kidani Village! First stay at both resorts. We'll be running in the Princess races next weekend, 5k/10k for me and 5k/10k/half marathon for DW. Add in a full week of Festival of the Arts fun and it'll be a great week! Weather looks to be in the mid-80s and sunny with very low chance for rain all week - gross.
 
Dh told me today we put away 48% in savings/retirement.

If you can bump that up to 50% you can be FIRE in 17 years. 45% savings rate you would be FIRE in 19 years.

Said differently...perhaps I should acknowledge that I am blessed and fortunate to be in an insanely good job.

And I’m surrounded by people who don’t realize how good we have it when they constantly make moves for another $10k or more rather than showing a small amount of loyalty.

If hardtimes hit your job would they be loyal to you? Idk if 10k is worth the hassle of changing jobs because it’s always a risk. you don’t know if you would like the culture etc. But loyalty would never keep me at a job because ik a job would never be loyal to me. it’s a business nothing personal.
 
I always talk to people and they talk like raises are normal and if you don't get one, something is wrong. I think a lot of people don't realize how many people never get raises. Cost of everything else goes up but my dh gets no more pay. That is exactly why I do what I do for vacation money. When I say we could never afford our trips otherwise, that is 1000% truth.

This is us as well...these points enable us to visit our son..more often who happens to live in Orlando...as much as we’d like to travel elsewhere that’s just not an option......30 years ago DH was working at a small private company making more money than he does now....unfortunately the owner sold it and DH didn’t like the new management...so left...even he says now it was a mistake to leave.
 
Trying to stay calm but didn't get paid today (somehow I have two paychecks which are cancelling each other out and our payroll person is out with the flu) and my Amex rose gold payment was already made today which may overdraw my account. Going to put cash in but not sure that will be fast enough.

Then I learned yesterday my ex didn't have insurance coverage the one month dd got her $510 physical (included second dose of gardasil). He offered to pay but I told him it was fine. Just completely avoidable. Plus we were out of the country in August and the kids had no insurance. Then I woke up in the middle of the night freaking out about the aca tax but I think I'm fine there. It was a short lapse. I think.
Yikes on the paycheck! Hope this gets sorted out quickly!

So you have to cover a $510 doc appt because your ex didn’t have insurance in place?? I’d let him pay for his mistake...
 
I finally got the Target Debit/Pei thing figured out! There's a separate login for the debit card that I've never known about or done because why would I need to. So once I got signed up for that I was able to link it using the Target Guest Card option when searching, it's not the redcard one. Now I'll be super happy to earn an extra 1% at Target.
I'll admit I haven't looked closely yet..... is this like RMN where you input your cc's and then just spend/get rebates? do the rebates go into paypal?
 
I relay like the Hyatt program. I had been thinking you might need separate email, but that was Marriott. I have 3 WoH accounts in my email. I agree with @GZanta77 you may need to call in this one.
Thanks i guess we will call.... so you're saying you have one email and 3 separate WoH accts using it? b/c that's what I accidentally set up,using my standard email on the app...I just don't get why it won't work since he numbers printed on the card...
 
I am somewhat. We earned Explorist status for our Baha Mar stay in 2 weeks! Club access!!!

I think I missed your question...
it was a problem with the acct itself- I should've set up an acct for P2 before app'ing,but forgot. so they auto assigned a WoH acct number on the cc we got. But can't create login or anything using that number now....
 
If hardtimes hit your job would they be loyal to you? Idk if 10k is worth the hassle of changing jobs because it’s always a risk. you don’t know if you would like the culture etc. But loyalty would never keep me at a job because ik a job would never be loyal to me. it’s a business nothing personal.

Totally agree. Work environments don't seem to value loyalty anymore, at least not to the impression I get from talking to my parents and others around their age. Seems like a lot of people from that generation got a job and stayed with that company through retirement. That sounds great, but I'd never get ahead doing that - and I work for the federal government, which is maybe the last vestige of being able to stay in one place your entire career if you want. I get small annual raises mandated by law (sometimes), but the big jumps and better opportunities always come with bouncing to a new agency. I'll hit 10 years with the government this year, and I interviewed earlier this week with a new job at a different bureau that would open a whole world of new possibilities I'll just never be afforded where I am now.
 
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