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

[SouthFayetteFan]

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[NY Pirate Princess]

No Beach Club owners that want to rent us points next March. We are waiting in line now...

 

[SouthFayetteFan]

@Andysol - do we think this works with biz and personal? It seems all DPs right now are on biz. I could see a scenario where it only worked on biz because well...Citi IT...

 

[DisneyMandC]

Does the second Citi AA biz with no mailer have to be the dummy booking, or can it be any offer? I'm leery of doing the dummy booking with the increasing resistance to matches since DH and I both need an additional 60k AA miles for Japan. Thinking I should just do another round of the 70k/4k offers for both of us. I originally did dummy booking for me and just finished the first 70k/4k MSR for DH.

 

[havaneselover]

Um, well, I tend to have cars that are taxed quite a bit. As DH approaches FIRE, every little bit adds up.

I hear you. You obviously have to look at your total tax liability. Any one piece of the puzzle isn't terribly helpful. In FL I paid no state income tax or personal property tax, but my property tax was 3x what I pay now. And gas was expensive, homeowners' insurance cost me 5x what I pay now, etc.

 

[amcc]

Barclay Aviator AA login saga - DONE and MSR will be done by Thursday.
My children are ridiculously excited to have a credit card with their name on it. I feel that should be my Easter bunny gift to them.

In case anyone is interested, I saw on the AA site that they are running promotions to buy or share miles:
From March 16 through April 30, 2019, share miles with a friend or loved one and you’ll save up to 30% on the transfer cost.
Get up to 100,000 bonus miles when you buy or gift American Airlines AAdvantage® miles through April 30.

 

[Andysol]

@Andysol - do we think this works with biz and personal? It seems all DPs right now are on biz. I could see a scenario where it only worked on biz because well...Citi IT...

It wouldn't surprise me in the slightest. Personal mailers are so easy to come by for me or else I'd try.

Re: Biz the thought it- go for the 75k/$5k, 70k/$4k and match (is 5k worth the match?) or 40k/$2k w/ $250SC and match to 60k. If you're hitting organically or have little spend, the $2k is going to be hard to beat. I think I'm just gonna jump on the 75/5 as it's the easiest and takes the least effort.

 

[platamama]

Instant approval for CitiBiz AA #2 (1st one was in 10/2017 and is still open) for me! Decided to go with the 40K AAmiles/$2K MSR + $250 statement credit on DoC's site. Despite the resistance to matching that I'm reading, I figure if it's still churnable in 95 days then I can get 80K miles with $4K spend and $500 in statement credits which is a better combination. I don't actually have any plans at the time for the miles but I do like using them for international travel when it works out.

 

[striker1064]

Bplturner also reporting AA #2 success without mailer:
[link redacted - see DISchurners news thread for today]

This guy is legit and reputable so this is absolutely a thing now. No mailers needed! I’ll update the info on DISchurners when I get a chance.

FYI: I don’t know if we have any DPs on personal. I think both of these were biz DPs. I’m not saying it won’t work on personal but I don’t think anybody truly knows that yet.

Makes me wish I hadn't waited until last month to go for my first. In another 60 days, this could easily be dead.

Also applied for another AA personal using DW's second mailer. Went pending and Citi wants income verification. Ugh, really? This is literally the 6th personal card I've gotten from Citi and now you want income verification?

 

[Haley R]

Congratulations! Charlottesville is beautiful. I'm an hour east but went to college there.

I seriously would consider Charlottesville but Dh said he isn’t as interested in that position. The move is all about him because I want him to be happy with his job

 

[Andysol]

I figure if it's still churnable in 95 days

If you use an EIN for the apps, you should be able to grab them every 75...

 

[Haley R]

How exciting!!! Congrats to your DH. I'm super jealous you are most likely moving to FL. I've always wanted to live there, I'm just a big chicken when it comes to starting new jobs.

I’m really lucky that I’m a sub and don’t have to worry too much about leaving work and starting somewhere new. It still doesn’t feel really yet but I think we really are moving!

 

[pillow]

No Beach Club owners that want to rent us points next March. We are waiting in line now...

I helped a friend rent from a Beach Club owner before. I think I still have her contact info. Will see if I can dig it out and PM you.

 

[platamama]

If you use an EIN for the apps, you should be able to grab them every 75...

Oh, nice. DH has an EIN...

 

[Haley R]

Wow, that is great! Congrats! I think my desired order would be total opposite of your desired order. lol I think I would go CO, VA, FL, AL. But definitely look into COL and such when you do your salary comparisons. I think most importantly is to go for the job, not the location. Because a bad job in a good location could also suck.

That’s funny that your order is so different lol. I would put Virginia up higher but Dh isn’t as excited about that job so I don’t think we’re entertaining that one.

The salary comparison would be huge in Florida compared to Colorado. The houses are about half the cost in the areas we’ve been looking in and both companies offered a similar amount. Dh is very interested in both jobs. At first he was more interested in the Colorado company but now he has switched after reading up more about each. He said the one in Florida is a lot more personal and his offer there was a lot better.

 

[speedyfishy]

That’s funny that your order is so different lol. I would put Virginia up higher but Dh isn’t as excited about that job so I don’t think we’re entertaining that one.

The salary comparison would be huge in Florida compared to Colorado. The houses are about half the cost in the areas we’ve been looking in and both companies offered a similar amount. Dh is very interested in both jobs. At first he was more interested in the Colorado company but now he has switched after reading up more about each. He said the one in Florida is a lot more personal and his offer there was a lot better.

Are you negotiating the offers? maybe go to Colorado and say FL is offering a higher amount then get CO to go higher than go back to FL. I tried negotiating with a company tho and they pulled my offer so could be risky, but I think its worth it.

 

[wendow]

It is beautiful and historic. And cold. Really cold. DS was doing a school project last night about average amounts of precipitation each month in this year. 6 of the months had an average snow amount. That's just not right, winter shouldn't last 6 months. In the first and last month, the average was only 3 inches, but that's 3 inches too much... Of course it doesn't help my mindset that I was in FL yesterday with temps in the 80's, and home now with temps in the 30's. Besides that, there's a lot of things to love about NE. But it's a big factor for me.

Yeah, 6 mos of winter is a very long winter. Ours is not anything like that here in CO.

Thanks to all who answered my question. I didn't realize the weather was *that* bad but I guess it makes sense. I just always grew up thinking the NE was such a desirable place to live so I was pretty shocked to see that so many are moving out.

 

[Haley R]

Here you go @Haley R Just saw US News top 25 places to live in the US. Of course, I think most of these lists are full of bull, lol. But Melbourne, FL placed 25, Huntsville, AL placed 11th and Denver is 2nd and Colorado Springs is 3rd, not Littleton, but that is in between them so close enough.

https://www.msn.com/en-us/money/rea...-in-the-us-in-2019/ss-BBVKsyB?ocid=spartanntp


Huntsville also ranked #1 on the 25 most affordable places to live.

Lol I definitely can’t go off that list because Des Moines is #5 and I would never live there. But it’s interesting to see almost all of the places Dh applied are on that list. It gives us something to think about but I think Dh is pretty set on Florida. He doesn’t want to wait too long because someone else could take the position.

 

[Haley R]

I just looked at purchasing power for all 4. Huntsville was the only one with above average purchasing power. Charlottesville was below average. The other two were close to average. That's based on average annual salaries so it's not super helpful.

I love that all of you are researching with me! Lol

 

[smallsy]

Ran home at lunch to check and sure enough the CIP was in the mail! Had DH call it in and now we’re already $400 towards the MSR. Not sure whether to celebrate that or not though since it’s $400 we weren’t planning to spend, ha!