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

[kidsfirsttrip]

My husband is officially not allowed to be in charge of anymore subscription plans. I got a charge on our Hilton Biz this morning for a Dinnerly box to be delivered next week. We haven't gotten Dinnerly in months because of the terrible shipping and poor quality. Apparently my husband just "paused" the subscription and didn't actually cancel it. So now we have a box of food coming next week when he's out of town the whole time, and I can't cook This is after we got charged two months in a row for some membership for a podcast that he swore up and down he canceled.

This is why I'm in charge of the finances and credit cards...

This happened to me with Gobble (also terrible). I messaged them saying it was in error and we are away next week and they reversed the charge. Then I went ahead and canceled the subscription. Worth a shot!!!

 

[WardFam]

I need to close a chase savings/checking account and a PNC account. Any advice? I am assuming I just transfer all the money out but then what do I do to close them? Just want to make sure I don't mess it up and get hit with a bunch of fees. Thanks!

 

[Mopedmom1]

I can completely understand how your DH feels! Some of my predecessors worked until an older age then myself, but what triggered retirement in most cases was change. Change of location, change of supervisors and upper management repeating the same mistakes over and over because they weren't around when their solution had previously been tested and failed.

Fortunately for me I reached retirement before I felt completely disheartened but I have friends still working that can't wait to get out and of course there is a line up for people who actually want these jobs because the salary and benefits are excellent. There is an old saying about history repeating itself, and I just saw it happen too many times. It's like no one takes note of mistakes or seems to remember failure. Now, there were also plenty of successes to celebrate as well, not to be a complete Debbie downer, but, I was middle management and got to teach my supervisor too many times. I must make note that I had opportunities to move up that after I got to a certain age I wasn't so keen on because I had a lot of freedom to make decisions at my level, and I was happy after 4 or 5 promotions. Maybe if I had started younger I would have felt differently motivated. I think I left when I still had a lot of earned respect, if you know what I mean. The psyche needs to feel appreciated and I can say I definitely did.

I did have to alter my thinking in my last year and learn to support in different ways. Sometimes its not clear to the person that has to accept decisions made above you why the decisions had to be made, and were essential because dynamics themselves have changed. That said, I know I left pretty much fully intact and without regrets and didn't have to leave to look for supplemental employment as happens when burnout comes before you are in a good spot to retire. And, I am not a FIRE personality because I needed to be a worker in the years I worked. Now I can enjoy relaxing, but not in my forties or earlier.

Awesome post. I really appreciate your perspective from the "other side".

We have talked about him looking for another job, but he has a similar gig as @SouthFayetteFan; office based at home, pretty much makes his own hours, decent benefits. That would all go away if he were to do something else because he would be looking for a low key tide over kind of job, not another sales position. I keep reminding him that reporting to a job everyday by 8am would be a far worse situation than he has now.

I agree with you about change. As we age that seems to have more of an impact on our lives. He has seen many changes in his industry as well as in his company in the last five years. It truly is a dying business and changes NEED to be made, but those changes don't sit well with him. He has been told he needs to have less of a personal relationship with his clients, needs to tell them how to run their businesses and Sell! Sell! Sell! His clients use his products on an at need basis and many have had to lay off employees and buckle down just to make ends meet. Pretty sure they would not take too kindly to this current philosophy.

As for FIRE.....we have always lived below our means but it was never anything we seriously considered. And now with the current healthcare situation and his medical history there is no way we could afford to insure him. Adding him to my work policy would take half my paycheck! Take note all you "youngsters"...you can't count on good health to remain, and you can't forcast the future. DH was always active and healthy, his aortic valve just decided to give up. No amount of precaution could have changed that. (Stepping off my old lady soapbox now. Lol!)

I guess we will just limp along for the next two years, taking whatever changes are thrown his way. I hope he has the stamina to keep forging on and I hope I have the stamina to keep propping him up.

 

[Lain]

This is my thinking too -- I'll keep the AmEx cards an extra year so long as the benefits come close to covering the AF. I'm curious why you're for sure cancelling the Biz Green and possibly keeping the the BGR?

The BGR's 20k/20k/15k MR referrals.

 

[DisneyMandC]

This happened to me with Gobble (also terrible). I messaged them saying it was in error and we are away next week and they reversed the charge. Then I went ahead and canceled the subscription. Worth a shot!!!

I've tried this before on ANOTHER occasion when DH forgot to cancel a box with Dinnerly and they refused to stop the order. I ended up getting a refund anyways because Lasership is terrible and never delivered the box, claiming that they were unable to complete delivery on a clear weekday when I was home...

I have had good luck getting Plated to stop a box before though. I love the Plated meals and the quality has been great, but they are definitely the most expensive of the plans.

 

[Lain]

You haven’t heard of Charles Barkley’s new bank??

What's the bank bonuses like?

 

[Lain]

Since we've been in a shopping mood this week, my wife saw this skirt from Modcloth that might interest you ladies who are fans of It's a Small World: https://www.modcloth.com/shop/bottoms/modcloth-style-study-a-line-skirt-in-ivory-multi/164514.html

It's not an official Disney collaboration, but it's hard not to notice the homage to Mary Blair's geometric styling from IASW. Unfortunately, Modcloth isn't part of Ebates' 15% cash back week (they're currently paying out 1.25% and I've seen them go as high as 10%), and there aren't any promo codes that'll take 15% or more off right now.

 

[Mopedmom1]

You haven’t heard of Charles Barkley’s new bank??

This whole thread makes me laugh. I really needed the chuckle this morning!

 

[Albort]

oh hey, got my Bonvoy Brilliant coming in the mail email...

i can finally cut my cucumbers now...

 

[Lain]

This whole thread makes me laugh. My ██████████████ is ███████, and for ██████████████ on ███████ ███████. I bet the original misspelling upthread was an autocorrect. I really needed the chuckle this morning!

I kind of figured autocorrect.

P.S. Now I know the answers to two common security challenge questions for you!

I kid! I kid!



P.P.S. I'll delete any personally identifiable information from my quotes if you want.

 

[Lain]

oh hey, got my Bonvoy Brilliant coming in the mail email...

i can finally cut my cucumbers now...

Your Biz Plat not cutting it?

 

[SouthFayetteFan]

What's the bank bonuses like?

 

[striker1064]

Bought my tickets to NYC for post-Thanksgiving weekend on AA (used my $250 gift card). All I have left to do is buy Phantom tickets when they become available through UR.

Totally understand if you don't want to use cash for Phantom, but it's been around so long that there are always discounted tickets available. Keep a check on promo codes for your dates later this year (they come in couple-month blocks).

https://www.broadwaybox.com/shows/the-phantom-of-the-opera/
http://www.playbill.com/discount/playbill-discounts-for-the-phantom-of-the-opera

You could even throw your hat in the lottery if you feel lucky (but if it's a must-see, don't do this obviously).

http://www.phantombroadwaylottery.com/

 

[amalone1013]

I love him to death, but that little stuff drives me crazy! He puts so much attention to detail and hard work into his career, but is the most forgetful person for anything outside of that. I make sure to handle all hotel reservations/flights/etc for him for horse shows, because otherwise I know he'd show up somewhere and not have a hotel booked.

DH drives me batty with his expense reports, especially since he's been traveling more than normal. They cut the check for the previous month on the 10th. We were even talking about it this morning. He STILL hasn't cashed the expense check from April for March's stuff. And he needs to turn in his April stuff today.

Conversation:
A: do you have your expense check from last month still?
Z: im glad you reminded me, i have to run to job site, then i will come back and do that
A: ok, but do you still have the april one? i didn't have it in ynab i don't think
Z: i do, i will check when i get back
i havent put the check in yet, maybe mobile tonight?
A: sounds good
[random chatter about Disney stuff]
Z:478.5 for last month
A: ? (thinking - you bought a $480 air compressor last month!!! plus three trips!!!)
Z: last months expense report

Uh, yeah, he really means the March expense check that he got on April 10th and hasn't cashed yet.

 

[miztressuz]

I know this comment was a long time ago (we were a chatty group today!). This is what I use I also use credit Karma but I really like the layout on Experian.

Thank you and @striker1064! I got setup and then realized Experian is the guy that doesn't report a date, they do month/year so I totally didn't need it
For some reason I thought it was EQ that does that but no, both EQ and TU have my open date as 5/9/17... so I'm under 5/24 tomorrow! It's been a long 4 weeks waiting
(seriously, don't know you did it. patience is a virtue I don't always possess.)

 

[magickingdomprincess]

They must be thinking it will be really slow early June. DD just got access to some REALLY GOOD room rates for that same time period.

That would be great! We arrive June 6th!

You haven’t heard of Charles Barkley’s new bank??

Sign me up! Love that goofy guy!

 

[punkin]

Is there a reason why you keep typing Barclays as Barkley’s?

Yes. Autocorrect. Lol.

 

[Albort]

Your Biz Plat not cutting it?

Biz Plat wont Bonvoyed me.

 

[Lain]

Yes. Autocorrect. Lol.

Damn AI; think they know better.

 

[punkin]

Damn AI; think they know better.

That's because usually they do.