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

[georgina]

My friends... it deeply troubles me that I am missing South Fayette games this year.

Live streams have been bad thus far. If you’re willing to take a minute and vote for SOUTH FAYETTE below so that maybe they’d get a professionally produced live stream in a couple of weeks, I’d really appreciate it!

(you don’t have to check any of the boxes to subscribe but make sure to click submit)

https://tribweb.secondstreetapp.com/TribLIVE-HSSN-Game-of-the-Week---Oct-2/gallery/

I voted for you, would have voted for SF even if our HS was on there, because I don't watch. I know what you mean about trying to watch online. When DD was playing lacrosse in college in California, we had to watch online a lot, some were better than others.

 

[ski_mom]

After running my numbers through the frequent miler spreadsheet, it is showing my best bet is to pay with points. That's probably what I would have ended up doing anyway since I don't know when we'll use the hyatt points again. Anyway, DH and I both of the WOH card, so our points are split between our two accounts. I see that they have a point transfer sheet you can fill out and email to them to get points transferred between accounts. Does anyone know if that takes very long? If I don't do that, I guess there's no reason not to book 3 nights on my account and the other 2 on DH's account. I guess that might be easier.

 

[Albort]

After running my numbers through the frequent miler spreadsheet, it is showing my best bet is to pay with points. That's probably what I would have ended up doing anyway since I don't know when we'll use the hyatt points again. Anyway, DH and I both of the WOH card, so our points are split between our two accounts. I see that they have a point transfer sheet you can fill out and email to them to get points transferred between accounts. Does anyone know if that takes very long? If I don't do that, I guess there's no reason not to book 3 nights on my account and the other 2 on DH's account. I guess that might be easier.

ive done it twice, first time it took 2 days, 2nd time it took 5 days but that was because i forgot to sign it.

 

[Judique]

After running my numbers through the frequent miler spreadsheet, it is showing my best bet is to pay with points. That's probably what I would have ended up doing anyway since I don't know when we'll use the hyatt points again. Anyway, DH and I both of the WOH card, so our points are split between our two accounts. I see that they have a point transfer sheet you can fill out and email to them to get points transferred between accounts. Does anyone know if that takes very long? If I don't do that, I guess there's no reason not to book 3 nights on my account and the other 2 on DH's account. I guess that might be easier.

I would do the transfer and decide which account to focus on for status and elite nights. Maybe it won't matter much if you don't stay often, but you never know.

 

[magickingdomprincess]

My friends... it deeply troubles me that I am missing South Fayette games this year.

Live streams have been bad thus far. If you’re willing to take a minute and vote for SOUTH FAYETTE below so that maybe they’d get a professionally produced live stream in a couple of weeks, I’d really appreciate it!

(you don’t have to check any of the boxes to subscribe but make sure to click submit)

https://tribweb.secondstreetapp.com/TribLIVE-HSSN-Game-of-the-Week---Oct-2/gallery/

Voted!

 

[wendow]

My friends... it deeply troubles me that I am missing South Fayette games this year.

Live streams have been bad thus far. If you’re willing to take a minute and vote for SOUTH FAYETTE below so that maybe they’d get a professionally produced live stream in a couple of weeks, I’d really appreciate it!

(you don’t have to check any of the boxes to subscribe but make sure to click submit)

https://tribweb.secondstreetapp.com/TribLIVE-HSSN-Game-of-the-Week---Oct-2/gallery/

Voted for your Lions!

 

[havaneselover]

I have a new Marriott Amex offer--spend $250 get $75 back. I'm almost tempted to buy a gift card (I have a RI nearby that sells them) and sell it on raise. Looks like I would make about $30. But there are 97 pages of Marriott gift cards right now so I wonder if it would just sit. Maybe I should test the waters by listing one of my $300 gift cards.

 

[Haley R]

My friends... it deeply troubles me that I am missing South Fayette games this year.

Live streams have been bad thus far. If you’re willing to take a minute and vote for SOUTH FAYETTE below so that maybe they’d get a professionally produced live stream in a couple of weeks, I’d really appreciate it!

(you don’t have to check any of the boxes to subscribe but make sure to click submit)

https://tribweb.secondstreetapp.com/TribLIVE-HSSN-Game-of-the-Week---Oct-2/gallery/

Voted

 

[brownhaired_girl]

My friends... it deeply troubles me that I am missing South Fayette games this year.

Live streams have been bad thus far. If you’re willing to take a minute and vote for SOUTH FAYETTE below so that maybe they’d get a professionally produced live stream in a couple of weeks, I’d really appreciate it!

(you don’t have to check any of the boxes to subscribe but make sure to click submit)

https://tribweb.secondstreetapp.com/TribLIVE-HSSN-Game-of-the-Week---Oct-2/gallery/

Done

 

[EACarlson]

Son's CCV rubbed off his Amex so he tried to use my NFCU that he's AU on and it was declined. We just got new cards and all are activated, the card has $0 balance. I did a $1 Amazon charge with no problem on mine (also AU), so that narrows it down to his being deployed being the issue. I had him go in to put travel note on the card and he got an error. SM'd NFCU, but who knows how long that will take. He probably should request a new Amex from them, but that's going to take them sending to me then me forwarding to him.

If it has to do with NFCU, call. It seems that SM's are only answered by a small team that only works business hours, if that. Call center is open 24 hours and should not have any issues putting a travel note on the card or getting a new one sent out.

 

[Judique]

I have a new Marriott Amex offer--spend $250 get $75 back. I'm almost tempted to buy a gift card (I have a RI nearby that sells them) and sell it on raise. Looks like I would make about $30. But there are 97 pages of Marriott gift cards right now so I wonder if it would just sit. Maybe I should test the waters by listing one of my $300 gift cards.

I added it to my Brilliant and to my daughter's Bonvoy AU card.
Didn't bother using the last one, and now glad I didn't buy the gift card. Already have some Marriott gift card money leftovers.

So, now it's time to plan a short trip. Still have my 2 Hyatt free nights, and most of my Brilliant $300 credit.

Considering you can't book with the gift cards, I don't want to collect a boatload of them. I do think a quick Marriott stay is in my immediate future now that rates have dropped considerably at the ocean and the weather is still decent enough for outside walking, bird watching and sunrise viewing. Mid week will also be quieter than the weekends.

 

[havaneselover]

I added it to my Brilliant and to my daughter's Bonvoy AU card.
Didn't bother using the last one, and now glad I didn't buy the gift card. Already have some Marriott gift card money leftovers.

So, now it's time to plan a short trip. Still have my 2 Hyatt free nights, and most of my Brilliant $300 credit.

Considering you can't book with the gift cards, I don't want to collect a boatload of them. I do think a quick Marriott stay is in my immediate future now that rates have dropped considerably at the ocean and the weather is still decent enough for outside walking, bird watching and sunrise viewing. Mid week will also be quieter than the weekends.

I'd accumulate more if I knew where dd was going to college. If she's an hour away, I can't imagine staying overnight. But three hours and I'd probably be using Marriott more.

I still have the 50,000 point certificate and no clue what to do with it. Thought about using it to visit Charlottesville and stay at the Draftsman, but it seems so silly to stay overnight an hour from my home. I just really have no interest in traveling right now.

 

[hsmamato2]

I’ve added mine up and it’s 0. Working in healthcare is not fun.

I've discovered a few things this year.....
1) I'm extremely risk averse,DH is even more so. No travel outside local daytrip stuff.
2) DH will try to avoid taking ANY time off work unless I force him (aka vacation) which I haven't been able to do since last February (see #1) (so glad we took that short NYC weekend when we did)
3) I will still find ways to spend my points (thanks CSR PYB feature) to treat myself in various ways b/c of #1 ( )
So My travel expenses this year are tiny, but I'm making up for it in other wonderful little ways that make life sweet (b/c what else can I do?) I have a new infrared sauna love a new kitten, a fully stocked pantry and freezer,a generator (finally) and tons of wonderful memories with our daytrips together,along with (oh so careful) time with fam and selected friends.... It's actually been a great summer. And various jobs around the house that got finished this year.
Do I miss traveling to different places? YES. DO I miss my family who lives 1500 miles away? YES. I can't wait to go visit them again. And I can't wait to go visit some beloved travel destinations again.
But in the meanwhile,I'm not gonna complain (too much)

 

[Limes96]

Just voted @SouthFayetteFan

 

[nhgirl]

Just voted @SouthFayetteFan

 

[afan]

Woke up to a big fat denial.


Starting from the top. From what they see in currently 4/24. AS drops off in Nov, then the plat, gold and Hilton. Gold hasn't hit yet. Oh and my cip that I got after AS plus 1 I closed last month. And they've approved me with the same info before so thr 2nd one is bunk. My chase cl is about 50% so maybe that's an issue but they gave me cips with these same cls and my one cip is only 1k. And I'm making more money now than when I applied for those.

Ok the premier was opened in june so maybe but c'mon.
The 2nd I don't even get. I have a mortgage and student loan and most of the accounts of them, if they posted a balanced, posted with a small balance, I pay them every week. The only high one is 400 something for the last bit of the treadmill mom owes me. Which also goes the same to too many balances. And that report only has 3 inquires cause chase is the only one that pulls it.

I'm sure it's the 4/24 but it kills me when I see what stats others are getting instant approval on. They also don't even give me a number to call just tell me to write if I don't agree so this is just a loss. Oh well... Might just be time to leave them as it's not like they'll give me one any time in the next 2 years at this point.

Also not willing to lower my cl. I have 3 personal, csr and c.f. are both at 10k so I can pc them. Hyatts at 3500 and I don't want it lower.

 

[elgerber]

Woke up to a big fat denial.View attachment 527843
View attachment 527844

Starting from the top. From what they see in currently 4/24. AS drops off in Nov, then the plat, gold and Hilton. Gold hasn't hit yet. Oh and my cip that I got after AS plus 1 I closed last month. And they've approved me with the same info before so thr 2nd one is bunk. My chase cl is about 50% so maybe that's an issue but they gave me cips with these same cls and my one cip is only 1k. And I'm making more money now than when I applied for those.

Ok the premier was opened in june so maybe but c'mon.
The 2nd I don't even get. I have a mortgage and student loan and most of the accounts of them, if they posted a balanced, posted with a small balance, I pay them every week. The only high one is 400 something for the last bit of the treadmill mom owes me. Which also goes the same to too many balances. And that report only has 3 inquires cause chase is the only one that pulls it.

I'm sure it's the 4/24 but it kills me when I see what stats others are getting instant approval on. They also don't even give me a number to call just tell me to write if I don't agree so this is just a loss. Oh well... Might just be time to leave them as it's not like they'll give me one any time in the next 2 years at this point.

Also not willing to lower my cl. I have 3 personal, csr and c.f. are both at 10k so I can pc them. Hyatts at 3500 and I don't want it lower.

sorry I missed it, which card was this for?

 

[*WDW*Groupie*]

@SouthFayetteFan voted for your team! Hope you get to see a game tomorrow!

 

[mgarbowski]

I have a completely unrelated question. I am about 10 years out of retirement and I am having a hard time figuring out how much DH and I will need to live "comfortably. " I have tried various calculators and at the end of the day I'm still confused. Some show me doing just fine, others say I should save more. I don't need to be rich (and I won't be), I just want to know the size of nest egg peopke feel they'll need to be "comfortable. "

I am working on the same issue and posted about it in the FIRE thread. You've gotten some good answers already. My suggestions are to do some research at various financial advice sites and pay close attention to their assumptions to see how much they match your situation or not. For example, someone mentioned the 80% guidance, which is good, but does not match my situation at all, because I am currently saving a lot more than it assumes and I should therefore need much less than 80% of current income. I'm quite certain I spend nowhere near 80% of current income now.

My other suggestion, if you are not doing so already, is to get a good handle on what you're spending now (and on what). To me, that's the starting point, more so than current income. Once you know how much spend and on what, you can start fine tuning. For retirement, things that might go away (or reduce) include

• expensive daily lunches (if you eat at home instead of 5-day take out)
• commuting costs
• certain kid-related expenses (depending on their age relative to your retirement)

OTOH, you might want to travel more and spend more on that (but maybe offset it a bit by going more off-season) or heath insurance might go up depending on your current benefit structure. And though you might no longer support children directly, there's a good chance if you have grandkids you'll want to treat them more than you expect.

Obviously there are plenty more things to consider in both directions. But IMO knowledge of what you spend now is the biggest tool in your arsenal to figure this out.

 

[afan]

sorry I missed it, which card was this for?

CIC