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

[wendow]

Can't remember who said this could be the case...maybe @DisneyMandC Got the letter from Barclay about my dh's denial and they just want him to mail in front & back of DL, SS card and a utility bill. That we can do! so Yay!! Looks like he may get that card after all and Barclay & I can be friends again

 

[mmmears]

We did it. I am risk averse by nature and DH is stressed and tired (work issues) and he was finally willing to look at this stuff so it was kind of a now or never thing (based on availability). Thanks to all of you (and Tink, Lain, and Albort especially for trying to help to today). We never, ever, ever would have had the points to do something like this if I hadn't found this group.

Now we just have to wait to make sure DD's paperwork, residency, etc. all gets done so she will be there. No biggie LOL.

 

[havaneselover]

Got my SW personal card in the mail today. I got the SW Priority. I was going to get the one with the lowest annual fee but then last minute somehow convinced myself that going with the higher fee would be better...for as long as I have the CP anyway. Just had a card drop off my “5/24” in February so no change in my status. Still 3/24 and another card will drop off end of May. P2 is 4/24 but will drop to 3/24 later this month. This MSR for SW will be pretty easy for me to meet. P2’s United biz $5k MSR will be trickier, but I have confidence in our creative spending abilities. Heh.

My SW Priority card came today too! I'm now at 5/24 but have a card dropping off this month. Will be using this to fund a PNC checking account so should have CP soon!

 

[elgerber]

You can get a SUB on a Delta Biz Plat is you have had a gold already correct? Different product?

 

[wendow]

Also, I would like to know how those people feel who thought the marijuana legalization money would go to schools... how do you properly tax a business that deals in cash? I'm sure they are completely honest on their tax forms Anyways, I know in MILs district that the money they have received from that did not go to the students or faculty... just to the upper officials in the district

We did not vote for the legalization of it but once it passed, I at least took consolation that our educational system would benefit. Nope. The people were completely lied to but that shouldn't surprise any of us.

 

[smallsy]

How do you typically handle utility bill prepayments? Just pay a set amount like $500 or estimate a few months worth?

 

[magickingdomprincess]

You can do the MDD at 4/24, but a successful MDD will take you to 6/24 and keep you over 5/24 longer (if that even matters to you).

We typically advise waiting 3-4 months since your last reported card or Chase card, whichever more recent, to apply for a new Chase biz card. I don’t think necessarily think we need to treat a CIP#2 any different while this method works. April could be pushing it at just 2 months. Remember to keep your CLs in check.

Thanks, I know that's pushing it. It's hard to be patient! There's so many Chase cards I still want (CIU, CSR, CSP, CIP #2 if possible). Really wish DH would go for a CIP (or any biz cards) but oh well. I've thought about the Arrival Plus but that would push back my next Chase card to June. Or maybe I'll try to get DH to get a SW personal to get that out of the way (don't need the points till next year). I always worry they'll change the bonus to 48 months instead of 24. Lots to think about!

 

[palhockeymomof2]

Thank you! That was @Albort advice as well. I'm not going to do it. Think I've been reading r/churning a little too much lately, lol.

I read but don’t post there...safer that way

 

[Etonduf]

You all are like crack dealers. Haven't even gotten my shiny new CIP in the mail yet and just opened a Wells Fargo checking for the $400 bonus. Eying the Chase checking offer for my wife's direct deposit.

 

[Alexle2007]

I get completely irritated with the lack of funding for public education. It's been a huge problem in CO ever since the TABOR Act got passed in 1992 (the author of the bill, Douglas Bruce, went on to become a convicted felon of multiple crimes, but his anti-tax legacy lives on), and fortunately in Boulder county the voters pass local mill levies to support schools. That does make property here expensive, but I think our public schools here are pretty good as a result. It's true that you need to live in the catchment area to be guaranteed a spot in the school you want, even with open enrollment. I think public education could be so great if it wasn't so starved all the time.



All the testing that's been going on drives me absolutely bonkers. I opted my kid out of those, that was easy since they would post a testing schedule, but then she still had to take the practice online tests that the teachers had to go over to prep the kids on the test would look like. So more lost class time to teach how to take the dang tests, in addition to covering the info that was going to be on the tests. Just ridiculous.

MD got the voters to believe that the money brought in from bringing in casinos would be used towards education. Pretty sure not a dime has been seen.

This is DS’s biggest and constant complaint that all he does is test, test, test. They take county tests for days and then the PARCC tests for days. And it’s all the same material since it’s all geared towards common core. I asked about opting out of the PARCC tests and was told that wasn’t an option. Just need to get through this last 1 1/2 quarters and we will no longer have that problem.

 

[Albort]

It looks like he can move his MRs into my FB account.




SAS is never available (we tried last year and it never opened). The 48 hour thing makes me nervous. What do you mean by dynamic based and not trying AF? Can you please explain?



Can you explain about what you mean by speculative transfers please?

I saw some SAS flights available on United. but its not savers. you should be able to book these with MR via ANA or Air Canada.
dynamic based is like SW points... the points required to make a booking is based off the price.

for example, if a SW flight cash price is $400, SW point redemption is 1.4 cent per point, u be paying 28,571 points. ($400/.014 = 28571) this applies to AF.

 

[Albort]

im Group A, position 58 for my SW flight tomorrow.

is that good or bad? haha

 

[mmmears]

I saw some SAS flights available on United. but its not savers. you should be able to book these with MR via ANA or Air Canada.
dynamic based is like SW points... the points required to make a booking is based off the price.

for example, if a SW flight cash price is $400, SW point redemption is 1.4 cent per point, u be paying 28,571 points. ($400/.014 = 28571) this applies to AF.

Oh ok. Thank you so much. DH found some "cheap" dates on AF (50K pts I think) and just booked those flights. He just wanted to get it over with, but also we were worried if we waited a day or two to try ANA we would miss our window on these dates. All the other days that month cost far more points.

So there was room on SAS? Asking because we need 3 tickets to/from CPH summer 2020 and of course that would be the best option since it's the only direct flight. Last year it wasn't showing any availability we we took AF with a stop at CDG.

 

[Albort]

Oh ok. Thank you so much. DH found some "cheap" dates on AF (50K pts I think) and just booked those flights. He just wanted to get it over with, but also we were worried if we waited a day or two to try ANA we would miss our window on these dates. All the other days that month cost far more points.

So there was room on SAS? Asking because we need 3 tickets to/from CPH summer 2020 and of course that would be the best option since it's the only direct flight. Last year it wasn't showing any availability we we took AF with a stop at CDG.

oops, its UA then SAS on the last leg. my bad.

 

[Haley R]

im Group A, position 58 for my SW flight tomorrow.

is that good or bad? haha

I think that’s good because you’ll be ahead of family boarding

 

[platamama]

im Group A, position 58 for my SW flight tomorrow.

is that good or bad? haha

A anything is good!

 

[Haley R]

Phew, dodged a bullet! It makes me so so so so mad. DH and I would love to get a place that needs updated because we could do it easily with FILs help, he did it for a living just always worked for someone's business, not his own. And I see these places and it's like, they could have redone the kitchen layout to make it more functional, or opened up the floorplan or something... but no, they just painted the cabinets and slapped on a granite countertop and now they want an additional $100k. I'm just like grrrr I don't want to pay for the crap work you did just to tear it all out! One place we saw put down new laminate, but didn't replace the original hardwood... so it went thin light oak hardwood - dark grey wide board laminate - thin hardwood - gray laminate... ahhh it looked so bad. They also painted the whole house the same shade of grey (I understand, new paint, neutral color) but apparently the kids bed's upstairs had been pink and blue, AND THEY HAD PAINTED PINK AND BLUE OVER THE WALL OUTLETS BUT THE FLIPPERS DIDN'T BUY NEW ONES. Light grey rooms with bright pink and blue outlet covers My cousins house is like this, back in NE. I looked at the listing they forwarded me when they were looking at it and thought, ugh a terrible flip. And the flippers wanted $80k more than they originally paid. And my cousin paid almost that, then they decided to replace the kitchen cabinets last month and found all sorts of stuff wrong that they had to fix. So they thought they were just buying cabinets... but ended up spending like $7k on crap (plus they broke their counter because they didn't know what they were doing - obviously that's not the flippers fault). But there's all sorts of other weird things, like the flippers didn't patch any holes before painting, so the walls are already covered in holes from the old owners...

Ahhh, interesting to know a little background. DHs coworker moved from Cherry Creek area to Boulder for the schools for his kids. My hometown was like that, anytime the schools asked for money they got it. I feel like overall I had a more educational high school experience than DH/brothers/old roommate. Also, I would like to know how those people feel who thought the marijuana legalization money would go to schools... how do you properly tax a business that deals in cash? I'm sure they are completely honest on their tax forms Anyways, I know in MILs district that the money they have received from that did not go to the students or faculty... just to the upper officials in the district

Omg I would be so mad if that happened to us and we bought a badly flipped house. Our house was built in the 70s and the previous owner put in new carpet and laminate flooring but it actually looks really nice. We did paint the bathrooms because one was purple and one was just horrible. Probably the worst wallpaper you could pick and it had this weird brick laminate flooring. Just terrible. We fixed it really quick and now it looks good to us

 

[palhockeymomof2]

im Group A, position 58 for my SW flight tomorrow.

is that good or bad? haha

That’s good....you will have plenty of aisle and window seats open...we sometimes even see exit row seats open...

 

[Haley R]

Wow this is the crappiest weather ever. It was raining this morning now it’s snowing like crazy. We went bowling and are driving home. The roads are complete slush. We drove 25 on a 65 mph highway

 

[wanderlust7]

I read but don’t post there...safer that way

I agree! I only lurk over there. Didn't even have an account until I joined dischurners. It's much friendlier here.