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

[Alexle2007]

Wow, I spent my morning looking at life insurance today, timely topic for me. For some reason we bought DH a 20 year policy, well, 20 years ago, and it expired in January. The $440/year bill for $1million went up to over $6000/yr for renewal. Um, no thanks. But we have been bad and have not gotten anything to replace. So every day I am thinking please don't die today. (well, I guess I always think that lol) I am looking into WAEPA. Do any of you federal people use it or know anything about it? @striker1064 @Alexle2007 who else am I missing?

No, I don’t know anything about it. DH and I both have maxed out FEGLI which is salary based. This works for us since either of us plan to leave until we retire. Plus we have well funded TSP accounts. My real concern is DH and I don’t really have anyone we could trust with DS and the amount he would inherit if anything should happen to both of us.

 

[miztressuz]

OT but slightly related to recent topics - PSA for all the young folks playing and lurking along, get some type of life insurance now. Term life is fine, get it while you are young and relatively healthy and it's cheap! Don't rely solely on a group policy from work. It's great to have but jobs change. And don't put it off until next year after X is paid off or Y happens, or even after Z amount is in the retirement account.

Find a way to pay it now, you'll appreciate it more than the Starbucks, packing cubes, and (dare I even say it) weekend trips to Disney when you're older and premiums are more expensive or worse, unobtainable.

Drawing it back on topic, some companies do let you pay by CC. I have a whole life policy with Liberty Mutual now that I can pay online or over the phone with a CC. It's not as fun a way to meet MSRs, but every little bit helps

 

[nickle831]

Will ordering a gift card work? For some reason I thought it wouldn’t.

I haven't tried it yet, but I did do a google search last week and read some comments that it does work.

 

[Judique]

Wait, Va Beach has a boardwalk? I only remember there being a street behind the hotels but no true boardwalk like OCMD.

The pool at 37th St was nice except for a bit noisy with all of the Navy jet flyovers. I wonder if we get the breakfast buffet for free with my Platinum status at 37th st.

Unless it has changed, they used to have a concrete boardwalk and also a lot of palm trees that would get all wrapped up in winter. My ex lived in Norfolk and we would alternate with drop off and pick up of the kids. Sometimes I would drop them on Friday, go to the beach (stay at the Sheraton on points) and then pick them up on Sunday to go back home. I haven't been since he moved to Colorado.

 

[DisneyMandC]

OT but slightly related to recent topics - PSA for all the young folks playing and lurking along, get some type of life insurance now. Term life is fine, get it while you are young and relatively healthy and it's cheap! Don't rely solely on a group policy from work. It's great to have but jobs change. And don't put it off until next year after X is paid off or Y happens, or even after Z amount is in the retirement account.

Find a way to pay it now, you'll appreciate it more than the Starbucks, packing cubes, and (dare I even say it) weekend trips to Disney when you're older and premiums are more expensive or worse, unobtainable.

Drawing it back on topic, some companies do let you pay by CC. I have a whole life policy with Liberty Mutual now that I can pay online or over the phone with a CC. It's not as fun a way to meet MSRs, but every little bit helps

So true. I got my policy when I was 25 and made sure DH got his last year before he turned 30.

 

[striker1064]

Wow, I spent my morning looking at life insurance today, timely topic for me. For some reason we bought DH a 20 year policy, well, 20 years ago, and it expired in January. The $440/year bill for $1million went up to over $6000/yr for renewal. Um, no thanks. But we have been bad and have not gotten anything to replace. So every day I am thinking please don't die today. (well, I guess I always think that lol) I am looking into WAEPA. Do any of you federal people use it or know anything about it? @striker1064 @Alexle2007 who else am I missing?

I just use the basic + extra benefit for FEGLI. I can't recall the exact details, but you can insure yourself for your current annual salary - mine runs about $30/month. The government then adds an additional annual salary (so doubling your coverage) for free on top of it. However I'm seeing now that the extra benefit phases out past age 35 (which, coincidentally, I just turned) until it goes away entirely at age 45.

This was always one of those things I never paid much attention to. I guess I should really look more into it before I hit 40.

 

[DisneyMandC]

Look at me over here... using URs to book flights instead of cashing them out. What a novelty...

 

[Haley R]

With the CSR, you’ll earn 3x UR on dining and travel, and 1x UR in everything else.

During the MSR period on a new CIP, you’ll earn a base rate of 17x UR on everything (80k UR SUB + a minimum of 5k UR on the $5k MSR, + an additional 2x URs on travel, shipping, internet/phone/cable, etc. —> 85k UR/$5k = 17k UR). Note that this only considers the 80k SUB and URs from MSR, not including the 20k UR support points too.

The CIP doesn’t have 3x UR on dining, but if you put dining towards the CIP’s MSR, you’re earning a minimum of 17x UR.

Again, just sayin’.

I see what you’re saying but we wouldn’t be getting another CIP right away. If anything we would maybe apply for a CIC

 

[3 DD love princesses]

@LuckyMamaInDE we have eaten at lots of table service and QS over the years. I just did the character meals quick review. I agree with boma it was good last time we stayed in akv. Now that our oldest dd will be considered an adult when we go next time we probably won’t be doing the dining plan. Which means less table service. Going to be an adjustment for all of us since we are used to not cooking or eating in the room at Disney.

 

[disneymagicgirl]

https://twitter.com/Drofcredit/status/1124823456518828032

If TPG or MMS even picks up on this.........

Why?????????

 

[Judique]

OT but slightly related to recent topics - PSA for all the young folks playing and lurking along, get some type of life insurance now. Term life is fine, get it while you are young and relatively healthy and it's cheap! Don't rely solely on a group policy from work. It's great to have but jobs change. And don't put it off until next year after X is paid off or Y happens, or even after Z amount is in the retirement account.

Find a way to pay it now, you'll appreciate it more than the Starbucks, packing cubes, and (dare I even say it) weekend trips to Disney when you're older and premiums are more expensive or worse, unobtainable.

Drawing it back on topic, some companies do let you pay by CC. I have a whole life policy with Liberty Mutual now that I can pay online or over the phone with a CC. It's not as fun a way to meet MSRs, but every little bit helps

Insurance is a tricky topic. Most people will probably never collect in the way they imagine, which is probably a good thing.

I think you should balance out what you need to replace salary if the worst happens.

One thing I found out is that some insurance ends at certain predetermined ages, and then you have very high prices to get it going again - policy conversion. I am not sure how @SouthFayetteFan 's 20 year plan factors into this as I am definitely not schooled in insurance wisdom. I know that insurance companies look after themselves very well after you start moving up in age, even for those who started very young with low rates, there are clauses to increase at certain ages in at least some policies.

I have always maintained a policy on my ex-husband as a part of my divorce settlement. To begin with the idea was to protect the welfare of my children. I still have a couple of policies where he is the insured and I am the policy owner.

A few years ago I found out one policy would have to be converted when he reaches age 70. He's a few years away from that now. I've pretty much made the decision to let it go, as I am self sufficient and if anything happens to me, my kids will do just fine.

I am only somewhat familiar with insurance. I doubt I will ever collect a penny, but when ex DH contracted cancer a few years back, the insurance factor was at that time a somewhat comforting thought, but the over riding emotion was that he would get through it okay, which so far he has.

 

[TarotFox]

Hi folks. I'm new to credit cards, and I only got my first one last month. I'm hoping to raise my credit some more and want to open another card to increase my total lines of credit, but how long should I wait after that first card? I've seen conflicting answers.

 

[Judique]

Hi folks. I'm new to credit cards, and I only got my first one last month. I'm hoping to raise my credit some more and want to open another card to increase my total lines of credit, but how long should I wait after that first card? I've seen conflicting answers.

Which card did you get?

 

[TarotFox]

The Disney Premier Visa. It wasn't my plan necessarily but I've got two trips this year and I'm booking many tours and between the Visa discount and the $250 intro fee it just made sense financially. But I probably don't want it to be my main card forever.

 

[kandb]

And my daughter and family were hit by a driver who fell asleep last December. It's not worth the risk.

My ex's family got into a serious accident driving back from WDW to NY, while driving overnight. His BIL fell asleep while driving. Had coffee and thought he could stay awake. There were 7 of them, all ending up in hospital, punctured lung on daughter, wife had broken back, other family were hospitalized also. He himself had his legs ripped open by the guardrail and needed many surgeries, could not return to work. The police also gave his BIL a ticket which he had to hire a lawyer for. Too dangerous driving straight thru.

 

[striker1064]

Wow, I spent my morning looking at life insurance today, timely topic for me. For some reason we bought DH a 20 year policy, well, 20 years ago, and it expired in January. The $440/year bill for $1million went up to over $6000/yr for renewal. Um, no thanks. But we have been bad and have not gotten anything to replace. So every day I am thinking please don't die today. (well, I guess I always think that lol) I am looking into WAEPA. Do any of you federal people use it or know anything about it? @striker1064 @Alexle2007 who else am I missing?

Ok now I'm looking into WAEPA, and using the calculator I can get up to $650k in coverage for the same bi-weekly cost as FEGLI. What am I missing here? This seems like a tremendously better idea. Is FEGLI a bad deal? I suppose I know what I am doing today.

 

[punkin]

Why?????????

Yes? Why?

 

[disneymagicgirl]

They said if we pack anything they have to look through it all and inspect it. So basically it was their way of saying don’t pack anything lol. I think they’re a “do it all” kind of company.

This all getting really odd. No moving company has ever done that to my stuff and I always pack it myself b/c I'm OCD plus I like to purge as I pack. It seems like the employer is pushing certain things b/c it is in their best interest (have deals with these companies) and not not your best interest. Oh well, nothing you can do I guess.

 

[magickingdomprincess]

Just applied for CIP #2 and got the we need more time message. Was hoping for an instant approval (my last three were) so now I'll be checking the status line constantly! I got noticed from Credit Karma (pulled Transunion) and Experian that they pulled my credit report so it seems like they pulled both - is that normal?

A couple of other churning notes - I received my SPG biz free night cert also. My card renewed in Feb, so they really must award them in batches. Also, I SM'd Chase for a match on DH's SW Premier card to request a match to the 60k RR offer. They didn't really answer the question, they just said he hadn't met the requirements yet (he was about $300 away from the min spend at the time). So, I'll try again in a few days once he's met it. I'd probably read that before that with Chase you have to meet the requirements before requesting a match but had forgotten that.

 

[Judique]

My ex's family got into a serious accident driving back from WDW to NY, while driving overnight. His BIL fell asleep while driving. Had coffee and thought he could stay awake. There were 7 of them, all ending up in hospital, punctured lung on daughter, wife had broken back, other family were hospitalized also. He himself had his legs ripped open by the guardrail and needed many surgeries, could not return to work. The police also gave his BIL a ticket which he had to hire a lawyer for. Too dangerous driving straight thru.

The party that hit my daughter not only got ticketed but is being criminally charged. It can ruin lives.