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

[Judique]

I still don't know if I need to change my life insurance.

We don't have any kids so that's a big thing not needing to be covered. I have a mortgage and DW has a lot of student loans (although those are on track to be paid in 4 years). Those are the big debt obligations that would be very difficult for one of us to take both on if something happened. I guess I am just surprised at how little coverage FEGLI really offers for the premium compared to other quotes I'm seeing. The upside is, FEGLI sticks at 25% post-retirement, for free, if I stick with it. The downside is, retirement is ~15 years away.

Life insurance is one of those things no one ever taught me. When I started with the government in my 20s, an HR rep basically said "FEGLI is a good deal, the government doubles your benefit as long as you opt-in for basic, so you get double-covered for free." And that made sense to me, so I took it. Now that I'm seeing the phase-out of the government benefit as I age, I'm not so sure.

At least it's Sunday, which means my weekly tradition of drinking heavily with friends followed by Game of Thrones is approaching. I am certain several cocktails will help us figure it out.

Get some quotes and do your own comparisons. HR departments always seem to act like people should know this stuff and it's not that transparent and easy to comprehend because there are so many variables. In hindsight, so far I haven't needed some of the policies I've discarded along the way after paying for them for years, but only hindsight is 20/20. I had mortgage insurance and kept it for the full 30 years, but the policy had a little twist - it paid interest and dividends and at maturity, I got a nice little bundle of cash which was more than I paid in premiums. Did I know what I was buying when I got this in the late 80ties? Heck no! But I'm glad the old guy that sold it to us saw us coming. I used to drop in the agent's office (that replaced him when he retired) and she used to ask me if I wanted to cash out the policy - it was at 10%. I never got to the point that I needed to. I still also have a work policy which was free and will go to my kids. Hopefully one of your friends has some reliable information.

 

[Mopedmom1]

I went to Safeway today, got my 2x$100 mcgc, a beautiful orchids arrangement for Mothers Day, bananas and milk. My bill showed the $15 off for the gc's plus an additional $10 off for a $50 dollar spend plus I used the CF for 5x ur. I like those kind of trips to the grocery store!

 

[SouthFayetteFan]

Couldn’t have put it any better.

That’s high praise coming from somebody who churns out some phenomenal content himself!!

 

[ctinct]

Ack! Finally got up the guts to try for my first business card, and I’m stymied. I know you all say to use ss#, but it won’t let me leave the tax ID #blank. I used my social in the personal section, , but when I put it in the tax ID section, the dashes are obviously in the wrong places. Is that ok?

I’m retail, Books, hobby, etc., so are category and specific type used merchandise store? I feel over my head here.

 

[chattadisser]

Just out of curiosity, does anyone book hotels on their own accounts for their significant others and run into any issues? I'm planning to book DH a room at a Quality Inn on my choice account for three nights for another double stay promotion. I won't be traveling with him though. I'm thinking of just putting a note on the account that he'll be the one checking in at approximately 10 pm that night, so please hold the room.

We just put both names on the reservation whenever we make one. Then who ever is "checking-in" just says the other person is coming later. I always even grab a second key so its plausible that I'm going to give it too him when he gets there "later". I figure it also helps in case I loose one. The reality is I don't think the check-in person cares but we've always done it this way and never had any issues.

 

[SouthFayetteFan]

Ack! Finally got up the guts to try for my first business card, and I’m stymied. I know you all say to use ss#, but it won’t let me leave the tax ID #blank. I used my social in the personal section, , but when I put it in the tax ID section, the dashes are obviously in the wrong places. Is that ok?

I’m retail, Books, hobby, etc., so are category and specific type used merchandise store? I feel over my head here.

Check your PM for a bunch of tips on biz card applications.

In general, your Tax ID is your SSN (the dashes mean nothing) and just take the best guess at that category. (Nobody will question you in it)

What biz card are you going for?

 

[punkin]

Ack! Finally got up the guts to try for my first business card, and I’m stymied. I know you all say to use ss#, but it won’t let me leave the tax ID #blank. I used my social in the personal section, , but when I put it in the tax ID section, the dashes are obviously in the wrong places. Is that ok?

I’m retail, Books, hobby, etc., so are category and specific type used merchandise store? I feel over my head here.

The SS number in the "wrong" ein spaces will work. I think the business type should be ok too.

 

[ctinct]

Thanks punkin and Sff.

 

[SouthFayetteFan]

Thanks punkin and Sff.

Well don’t leave us in suspense?? Which card did you go for? Auto approval or pending? We need the details!!

 

[disneymagicgirl]

Just out of curiosity, does anyone book hotels on their own accounts for their significant others and run into any issues? I'm planning to book DH a room at a Quality Inn on my choice account for three nights for another double stay promotion. I won't be traveling with him though. I'm thinking of just putting a note on the account that he'll be the one checking in at approximately 10 pm that night, so please hold the room.

I don't know about quality inns...but for hiltons I book myself under DH's account by putting myself down as the other adult. That allows me to check in without him. Though really, going to a desk to check in isn't a thing anymore.

 

[Alexle2007]

Are you law enforcement or in that category that can retire at 50? We are over 10 years older than you and still have 10 to go to get to MRA.

Air traffic controller? I believe they get retire early also. Although I think under FERS, you can retire younger but take a hit to the amount you can receive plus the supplement.

 

[ctinct]

Well don’t leave us in suspense?? Which card did you go for? Auto approval or pending? We need the details!!

Oh, sorry. CIP. Got the need more time message, which I expected, since this would be my first business card. Just called- 30 days.

 

[SouthFayetteFan]

WARNING REGARDING SUPPORT CLICK SOLICITATIONS:
I know some of us here frequent r/churning - I just wanted to put this out there:

Earlier today, a user posted this on r/churning:

• https://www.removeddit.com/r/churning/comments/bkw4c8/question_thread_may_05_2019/emkk6vj/
• Hey guys I’d like to sign up for a CIP today. I don’t have a [redacted] and would like to use one. Money’s a bit tight right now, if you’d like to split the [redacted] bonus with me by venmoing or paypaling half the [redacted] bonus, please send me a message.

He was promptly banned from r/churning.

Subsequent to this, I (and apparently DOZENS of other) folks that had shared links on churning.rankt received this PM:

• https://imgur.com/gallery/QNqGIIf
• Hey, I saw your post in chase [redacted]. Would you be interested in splitting the [redacted] bonus if I use your [redacted]? You would have to trust me and send me $100 through venmo or paypal. The bonus is for just getting my application accepted, not contingent on if I hit the sign up bonus. I would send the 100 back if the application is rejected of course.

At first I just sent him packing, but due to the sheer number of people that received PMs, we subsequently banned him from that sub also.

This whole issue is simply dumbfounding to me, and I hope that nobody sent him money. His blatant disregard to for human decency in an attempt to defraud people I guess shouldn't shock me (this is the world we live in) but it's still disappointing to encounter somebody attempting to do this to you. EDIT: just wanted to add and get this off my chest - this dude is the SCUM of the earth to me. Ugh. (Sorry, just wanted to type this).

I'm sharing this warning since all of us play in this space and could easily receive a similar PM solicitation. Did anybody else from our group hear from this guy? I've NEVER heard of any activity like this going on in our group, and I'm sure it will stay that way. BUT be aware that if somebody found us and lurked awhile they could probably try to pull a similar scam here. Just be careful! You shouldn't have to pay people to use your link, the only way I'd consider doing something like this is with a friend IRL who I was helping.

 

[Albort]

Air traffic controller? I believe they get retire early also. Although I think under FERS, you can retire younger but take a hit to the amount you can receive plus the supplement.

ive learned that you must be below 30 to be even considered for that job...

 

[SouthFayetteFan]

Oh, sorry. CIP. Got the need more time message, which I expected, since this would be my first business card. Just called- 30 days.

Good Luck!! 30 days is a good sign If you used a DISchurners link, make sure to let that person know via PM. Hopefully you'll be approved soon!

 

[LynnTH]

Catching up the past 20 pages. Regarding the Extra Extra Magic Hours and the crowds they are expecting. Me and dS20 and dd17 are going to Disney July 20-27. I have a subscription to Touring Plans. They just dropped our crowd levels to mostly 3-5’s now. Hoping it’s true. That would be nice to have low crowds.

 

[SouthFayetteFan]

Catching up the past 20 pages. Regarding the Extra Extra Magic Hours and the crowds they are expecting. Me and dS20 and dd17 are going to Disney July 20-27. I have a subscription to Touring Plans. They just dropped our crowd levels to mostly 3-5’s now. Hoping it’s true. That would be nice to have low crowds.

Apparently they updated all kinds of crowd levels by mistake yesterday.

(EXAMPLE: They dropped DHS to a CROWD LEVEL ONE!!!! On the day that SWGE opens). I’d stay posted because it’s possible they are still fixing things.

Full disclosure: I’m biased as I side with Josh at EasyWDW in my belief that Touring Plans crowd level calendar is a scam LOL! He has taken them to task numerous times and proven how terrible their “algorithms” are.

 

[ctinct]

Good Luck!! 30 days is a good sign If you used a DISchurners link, make sure to let that person know via PM. Hopefully you'll be approved soon!

Of course I used a Dischurners link. I can't stand Dr. Pepper, so I would not fare well in the shunned corner.

 

[Oscar Madison]

I read @Lain 's awesome Plastiq primer on DISchurners and setup my acct using a support link. My DD's grad school bill is due 5/10. I'm guessing I'm out of luck with the 8 business days paper check option, right? Was hoping to meet P2's CIP#2 MSR in one fell swoop. The card is being expedited as we speak.

 

[punkin]

Oh, sorry. CIP. Got the need more time message, which I expected, since this would be my first business card. Just called- 30 days.

My DH's CIP is in the same stage.