I love credit cards so much! v3.0 (see first page for add'l details)

[elgerber]

We didn't require an appraisal. Is that normal?? I've never refi'ed without an appraisal. We locked on May 27 but then the company messed up our lock so they had to relock us on May 29, at their expense and rates had gone up I think. I'm guessing it's a 30-day lock cause the processor keeps telling me that we have to close and be funded by June 29. I say it's been stressful cause they request stuff all the time! This is like my 5th refi over two houses so I've done this before. These people are just constantly asking for things I've never had to provide and I provided it all back when we began and then they send a note saying due to covid rules, they need such and such again

Yes, actually, probably half our refi's don't require one. Those we can get done in 30 days. It's the automated underwriting system that makes that decision. If it waives it, we don't have to get one. Hard to say if it's the 30 day lock, or if they just want you to fund in June. If it funds in July, it's a later pay date for us. Only by a couple of weeks, but at my old jobs it would have been a whole month before we got paid on something that funds on July 1 vs June 29

 

[wendow]

Yes, actually, probably half our refi's don't require one. Those we can get done in 30 days. It's the automated underwriting system that makes that decision. If it waives it, we don't have to get one. Hard to say if it's the 30 day lock, or if they just want you to fund in June. If it funds in July, it's a later pay date for us. Only by a couple of weeks, but at my old jobs it would have been a whole month before we got paid on something that funds on July 1 vs June 29

So interesting! We had a free appraisal through an Amex offer so I was kind of bummed when she came back and said we didn't need one lol!

 

[Haley R]

Oh nice!! We only had 30 days. It’s been a bit stressful.

Dh has been dealing with ours because I’m not sure I’d know what I’m doing. They did explain that we’ll have to sign in person to have a witness but they said we’ll show up, go into our own room to sign, and leave without actually seeing anyone.

 

[IFlossU]

I was doing a search on this thread for information about optimizing Hilton upgrade/downgrade plans as a kind of refresher, and man, kind of sad to read the old posts on here from even February. We were all merrily planning travel with seemingly not a care in the world. I miss those days

 

[wendow]

Dh has been dealing with ours because I’m not sure I’d know what I’m doing. They did explain that we’ll have to sign in person to have a witness but they said we’ll show up, go into our own room to sign, and leave without actually seeing anyone.

I haven't asked how we will sign but maybe I agreed to signing in person at some point...idk...

 

[wendow]

I was doing a search on this thread for information about optimizing Hilton upgrade/downgrade plans as a kind of refresher, and man, kind of sad to read the old posts on here from even February. We were all merrily planning travel with seemingly not a care in the world. I miss those days

I miss those days too and am ready to get back to it!

 

[Artygal90]

So I guess I am finally going to update my Iphone 6. I was walking on some rocks in the middle of a creek and my phone decided to take a swim. Oops. Luckily DH was able to retrieve it out of the water because my case has some CCs and my DL. Will I be sorry if I just go for the new SE? My old one is almost 5 years old, so I don't need the newest and greatest, but I would like to know it will not be obsolete in a few years. Anyone have that one? I would love the 11Pro, but I don't know that I can justify that price.

I am typing this on a new SE that I got for my birthday. I love it!! My old 6s was crashing all the time and had barely any battery life left. The new one is much faster although I miss my headphone jack. I do wish I had gotten a model with bit more storage but besides that it’s been great!

 

[Hoosier John]

I've got a feeling this Father's Day is gonna feel like the Longest Day of the Year

 

[wendow]

Question: We want to go to WDW this October. I don't have a reservation yet. Does that mean I'm out of luck for making park reservations on 6/22? Are hotwire and PLE deals still open for making reservations? Swolphin?
I have been so focused on my July reservations that I didn't even realize it.

Unfortunately, if you are not already holding a resort reservation and tickets, you cannot book park reservations on June 22. Hopefully dates will open soon for booking out but Disney has given no indication when.
ETA: Swolphin or any of the resorts that get 60-day FP booking privilege should be able to make park reservations on Monday.

 

[Haley R]

I haven't asked how we will sign but maybe I agreed to signing in person at some point...idk...

We told them we have a newborn so that’s why we’re doing it contactless. I’m happy they are willing to do it that way

 

[disfanforlife]

Unfortunately, if you are not already holding a resort reservation and tickets, you cannot book park reservations on June 22. Hopefully dates will open soon for booking out but Disney has given no indication when.

I have a resort reservation and tickets. Do you know what time we can make the park reservation tomorrow?

 

[havaneselover]

So I guess I am finally going to update my Iphone 6. I was walking on some rocks in the middle of a creek and my phone decided to take a swim. Oops. Luckily DH was able to retrieve it out of the water because my case has some CCs and my DL. Will I be sorry if I just go for the new SE? My old one is almost 5 years old, so I don't need the newest and greatest, but I would like to know it will not be obsolete in a few years. Anyone have that one? I would love the 11Pro, but I don't know that I can justify that price.

My employer pays for mine but I just went from a 7 plus 32 gb to an XS 64 gb. They both were handy-me-downs from other employees. Why we bought an iphone with 32 gb of space I'll never understand--major pain in the butt. DS has an XR and I think DD has her dad's old XS. I'd go for at least the XR personally.

 

[wendow]

I have a resort reservation and tickets. Do you know what time we can make the park reservation tomorrow?

I’m assuming 7am EST but Disney never gave a time the system will go live. I think it’s gonna be messy tomorrow

 

[GlamMistress]

I’m assuming 7am EST but Disney never gave a time the system will go live. I think it’s gonna be messy tomorrow

Tomorrow will be a complete Disney IT cluster. A complete free for all - without staging folks by date of travel - seems nuts.

Meanwhile I am trying to determine if I am completely screwed or not. I do not have tickets yet for September. I was thinking of buying annual passes - but you can't get those now either. I am torn because we are people who always hop. Buying an AP without hopping isn't ideal and I feel there should be a price reduction (lol at disney[/USER] reducing price).

I guess I just don't know what to do period. Wait and hope tickets and/or pass sales return before my trip? I am wrong in thinking all the spots will be taken for end of September and I won't be able to go regardless?

How does it make sense that I can buy a package for 2021 but I, as a DVC owner, can't buy tickets for trip in 3 months? Clearly I must be missing something here.

 

[trenty]

So I guess I am finally going to update my Iphone 6. I was walking on some rocks in the middle of a creek and my phone decided to take a swim. Oops. Luckily DH was able to retrieve it out of the water because my case has some CCs and my DL. Will I be sorry if I just go for the new SE? My old one is almost 5 years old, so I don't need the newest and greatest, but I would like to know it will not be obsolete in a few years. Anyone have that one? I would love the 11Pro, but I don't know that I can justify that price.

If you have ATT call retentions and ask for the deal that is $450 off any phone. You will have to HUCA more than a few times before you find a rep that knows what you are talking about. The only catch is you will not be able to get that offer again on that phone number for 2 years and you will put that phone number into a 2 year contract with ATT. I got my 11Pro doing this after reading about it on here - forget who originally posted it. I had to call many times; I almost gave up - so be persistent. MY DS will need a new phone soon. I plan to do the same when it is time.

 

[trenty]

Has anyone ever seen Amex MR or Chase UR offers for Apple? Might be getting a new ipad soon and would love to maximize either MR or UR earned.

 

[mhartman09]

I have a resort reservation and tickets. Do you know what time we can make the park reservation tomorrow?

I’m assuming 7am EST but Disney never gave a time the system will go live. I think it’s gonna be messy tomorrow

We (me and fellow agents) had 3 webinars with our Disney rep over the last 2 days to go over all the new procedures and she said 7 AM EST. Bets on how quickly the system will crash?

 

[amcc]

DP on the AmEx Plat airline credit - paid for mileage multiplier for my son for $133 and was reimbursed 5 days later. I know it’s a terrible mileage cost but I don’t foresee any other possible reimbursements in our future. I wish AmEx would loosen what they reimburse to something more useful for this year.

 

[Bigmace]

You've got some good answers. First of, all 3 cards mentioned, IHG, Marriott, Hyatt are keepers because the free night off sets the annual fee and then some. The Hyatt has a decent sign up opportunity right now, with a two tier sub. 25k for 3k spend in 3 months and if you can do it, an additional 25K for 3k more spend in the 3 months following. That's better than the 30K I got when I signed up. It makes me want to close my card and reapply.

I'm not at all familiar with the Disneyland hotel choices, but I am familiar with all three hotel programs. Transferring UR's to Hyatt is as good as it gets. I wouldn't waste UR's on either IHG or Marriott - not enough value in the transfer.

However, IHG points can be purchased fairly cheaply from time to time, so occasionally I've done that.

The value in the Marriott option is pretty much the free night and the sign up bonus.

Since you asked about transferring UR's, the Hyatt card is best overall.

But, if you have the spend, grab a couple of them with a double dip.

For Marriott SUB there is another thing to consider. Chase and Amex both issue Marriott cards, but there are rules about what you can have. I do find Marriott blocks FNC redemptions far more often than IHG and Hyatt.

One more thing: 50k Hyatt points is as good or better than 100K Marriott or 140K IHG.

Great tips, Thanks! Currently working on MSR for my CFU and DW CSP. But after that we want to get a chase hotel card so definitely some good things to think about.

 

[WVMomof3]

My employer pays for mine but I just went from a 7 plus 32 gb to an XS 64 gb. They both were handy-me-downs from other employees. Why we bought an iphone with 32 gb of space I'll never understand--major pain in the butt. DS has an XR and I think DD has her dad's old XS. I'd go for at least the XR personally.

I have a 64 that I constantly have to delete things on so I am looking at a 256 GB whatever model I decide on,