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This is a point I hadn't thought about. I do have a CSR that I have used to transfer URs to Hyatt. I don't recall using the Ink Plus to transfer but I'll check to see if it has different transfer partners from the CSR.

Wondering whether the $95 annual fee is still worth paying on the old Chase Ink Plus. Initially it was valuable as the rewards limit is higher than other Inks, but now the ability to hold multiple Inks essentially negates that benefit. And the PYB benefit is not especially useful. Am I missing a...

I don't know if there is an exception that would allow pro-rating the refund of an AF but I am pretty sure that AmEx does pro-rate the refund for a product change. Maybe downgrade the platinum card to a gold and then cancel next year?

I think most of us on this board are or have been in that position. I still recall the feeling of glee I felt when I realized it was payday and we still had a little left over from the last paycheck. Some lucky breaks boosted our income over the years and now with all of the kids more or less...

The date that's stamped on the loaf of bread is the "best by" date if you keep it at room temperature. If you put it in the freezer, it will be fresh for 2-3 months. This website has some helpful information...

I have a solution for this! Put the loaf in the freezer. When you need a slice or two, take them out and put them in the toaster. Bread in the freezer lasts at least weeks.

Oh wow I didn't even think about the hooks being confiscated. I actually had a whole set of them in my backpack. ETA: I just looked up crochet hooks on the TSA website and the official word is they are okay in both checked and carryon bags...

I recently decided to learn to crochet (long story) but I last week I spent a three-hour flight crocheting and that was the fastest time has ever passed for me on a flight (aside from the very rare occasions I've been able to sleep).

Just getting caught up but wanted to jump in to say that when I had a herniated disc, the only thing that helped was steroids. (When I had similar sciatic pain years later I went to urgent care and said, "I don't want painkillers I just want steroids," and they were happy to oblige...

Thanks! Good reminder about getting the full SUB before taking an upgrade offer. But I have had all of the Hilton cards.

I have an offer on my no-fee AmEx Hilton card to upgrade to the Surpass card for 50,000 Hilton Honors points for $3,000 spent during the first 6 months. The AF is $150. Am I correct in thinking that this would be spending $150 for the HH points, or is there another benefit to the Surpass card...

I'm not an expert on this but I have seen discussions suggesting that the impact of the oldest card on credit scores is minimal, especially if you have others that have been open 10 years.

I'm still trying to figure out the Hyatt system and this is helpful. How far does all of this CC spend get you in terms of the nights you need for Globalist?

Other people likely have different views, but my view is that the main reason to get trip insurance for an international trip is for the medical evacuation coverage. In my mind, coverage for anything else is a bonus.

I vote for go! (Research shows we regret things we fail to do more than things that we do . . .).

Regarding college: having put four through college with no loans for them or us (and a similar background to you--had kids young and didn't make enough to start saving until the oldest was in HS), be sure that you look into private colleges as well as public. I had always thought that our state...

Well, that is the logic of the credit card companies, and it (credit limit cycling) has been reported as a factor in Chase shutdowns: https://thepointsguy.com/news/dont-let-chases-shutdown-pattern-bite-you/ Is CL cycling always a problem? Obviously not. Is it risk-free? Also obviously not. Just...

This is my understanding too. The CC company gave you $3,000 credit per month and it can seem risky to them if you spend more than $3,000.

Just to add to these comments: 1. I have cycled the credit limit a few times on Chase cards and never had any issues. That $3,000 CL is hard to work with sometimes. 2. I have charged something refundable (like a hotel stay), then made enough other purchases to cover the cost of the hotel stay...

This makes me so sad and furious. I'm glad you and your dogs are going to be okay.