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donuteric

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Everything posted by donuteric

  1. I had the PRG before. The message indicated that as the reason, consistent with the language used in the TOS.
  2. AMEX Gold just approved. A message popped up during the application that I don't qualify for the 50k welcome bonus. Discover CLI to 25k. Chase Amazon Visa for 25k. It's been a very quiet year as there is all I have going in 2018 thus far.
  3. Hey eric, did you ever get those Aeroplan miles? I've been almost out of MS for a while now, which event did you refer to?
  4. Last time I clicked the luv button was 12/14/16. Just did it again. 1k increase to 16.5k.
  5. Thanks! I closed the PRG. Didn't really affect the scores.
  6. The closing went without surprises yesterday.
  7. No one here is dumb enough to $hit where they eat. Or at least not dumb enough to admit to it in public Well I have never tried it and never will but I am still curious how on earth Konrad you mange to rack up so many MOs in one day......for me I only have at the moment WM to get my MOs as I haven't ventured to the post office yet. Actually my MS has been severely curtailed lately. Every retailer in the county has conspired against me when it comes to purchasing MOs. Sad but glad to know I'm not the only one about this conspiracy theory. I went from 20+ places to 2.
  8. There are reasons to find banks that issue non-chipped cards, debit or prepaid, so card swapping continues to work when you're asked to show one.
  9. We signed the Purchase & Sales agreement along with 5% deposit last Friday. Pretty standard language in the terms and the riders. Although most of the closing fees are prepaid taxes and insurance, the fees add up to almost $10k. Updated timelines: 5/20: First spoke to mortgage specialist. 5/21: Submitted pre-approval application. 5/23: Received pre-approval notification verbally. 5/24: Received my pre-approval letter. 5/25-5-29: Visited open houses and requested private tours. 5/30: Submitted one offer and offer accepted. 5/31: Scheduled inspection. 6/9: Signed P&S.
  10. The home inspection revealed some expected issues with the boiler and the hot water tank, and some minor (cheap and DIY-able) issues. Other than that, we have the all-clear to proceed further. While my agent is a friend, I decided to use an independent home inspector instead of the 3 he recommended. He's an honest person, but given there is a possible conflict of interest, we figured it's better to be safe than sorry. Onto the P&S agreement next week. We also decided to hire an independent real estate attorney to oversee the agreement. Thanks!
  11. Wow! My bad! I forgot about the Red Roof Inn credit card! Everyone loves the RediCard!
  12. Our first offer of just slightly above listing price was accepted! The amount was 10k less than our budgeted max for this property. We were told there were 2 other offers and ours was just a hair better. We initially wanted to add an escalation clause, but decided against it. Instead, we agreed to take care of any home inspection issues up to $5k to show we don't plan on nit picking over any home inspection items. We got the impression that the seller would like to sell as quickly as possible. Onto the inspection this week. The process has been super fast for us. 5/20: First spoke to mortgage specialist. 5/21: Submitted pre-approval application. 5/23: Received pre-approval notification verbally. 5/24: Received my pre-approval letter. 5/25-5-29: Visited open houses and requested private tours. 5/30: Submitted one offer and offer accepted. 5/31: Scheduled inspection.
  13. It's not uncommon for folks to pay over 3k a month for a decent 2-bed, and if one is looking for a pet-friendly place, prices are even higher. I'm staying 20+ miles outside of Boston and have been paying $1800+ a month for an one-bed that allows dogs. Any place within walking distance to a train station is naturally more expensive, as driving in and out of Boston during rush hours will severely degrade a person's quality of life. Homes in good school districts are outrageously expensive. In some areas, 500k get you pretty much nothing and 650k might get you a small 1- or 2-bed under 1500 square feet. I've seen HOA fees that are as high as $800+ per month.
  14. Thanks Brian! After about 12 open houses last week and a few private visits, we've decided to put an offer in for a single-family above listing price. Many of these houses come onto the market on Thursday, open houses during the weekend, and offer is due by Monday or Tuesday. The process is moving so fast I feel like we're buying candies. We requested a pre-offer inspection but was turned down by the seller's agent. Other than that, let's hope for a smooth business transaction.
  15. It's about time. Houses in the greater Boston areas are extremely expensive, so I've been going to open houses in the past few months to get a sense of what I want and what I can afford. I was going to build my nest egg for another year, but after learning my rent would be increased for another 20%, enough is enough. Pet friendly apartments here are not cheap, but paying over $2000 (and soon to be $2200) for an one-bed is starting to get really old. I am not even remotely close to the center of Boston. The first most important thing to me is how much I can really afford. I came out with a magic range by having some of the following requirements: at least 20% down, at most 30% DTI, including my auto and student loans, and after closing, I still have cash or cash-equivalent assets for 6 months without a job. My mortgage FICOs range from 760s-800s with the middle score at 770s. After working with a loan officer, I received the pre-approval letter today for an amount at 10% more than the magic range with 4% or below interest rate, depending on downpayment and market force. I'm looking for a single-family home, but will entertain condos with reasonable HOA. After all, my magic range doesn't really give me too many options for a single-family house that is convenient to where I work. I was also told for qualifying the best rate, I need either 20% down on single-family or 25% for condos. Not sure if that is common in other markets. Anyway, it's time to go to see some houses and make serious offers. I'll continue to update here with my experience. Wish me luck!
  16. If thing hasn't changed, which I don't think it has, you need to leave $500.
  17. After millions worth of abuse, Capital One finally axed me. Lost my checking, savings, and $40k something line of credit. Lost half the values of 50k something points. Despite my lovely charisma on the phone, I got nowhere with frontline CSRs, underwriters, and executives. Funny thing is, I'm really not that sad. Onto the next venture.
  18. I doubt it LMAO! I deserved that. Everything has been going swimmingly with my escapades until this little snafu. To be fair, I went to the bank before my first cup of Joe and wasn't acting coherently yet. I just accidentally left <$.50 on a VGC so I can't reload Amazon with it. I guess I will just have to use it a POS and make them key in $.44 Most modern POS these days will auto drain VGC when run as credit.
  19. Your outbound to ESB should be fine and can be booked one-way with your choice of airline. To avoid IST into the US, he can connect via Brussels, Munich, Frankfurt, and possibly Zurich as well. He will have to hoop through at least 3 stops though and that can be in PITA. If he's flying Y, I'd seriously consider leaving the laptop in the checked-in bag. From the link you posted, I'd definitely recommend Aeroplan than KrisFlyers. I appreciate the thoughts. We can generally route him through Toronto (or Newark) and Frankfurt both ways using United miles. Those routes aren't available any time in December. We'd pay cash for a ticket before he'd do three stops, and due to the nature of his job and what's on that laptop we can't risk having it stolen from a checked bag. December is generally tough, thought it should be easier with Y. I have a conspiracy theory that UA likes to release award seats last minutes so they can charge late booking fees. Have you searched your desired itineraries via Aeroplan? You might also want to consider ExpertFlyer for award seat availabilities. Good luck!
  20. Your outbound to ESB should be fine and can be booked one-way with your choice of airline. To avoid IST into the US, he can connect via Brussels, Munich, Frankfurt, and possibly Zurich as well. He will have to hoop through at least 3 stops though and that can be in PITA. If he's flying Y, I'd seriously consider leaving the laptop in the checked-in bag. From the link you posted, I'd definitely recommend Aeroplan than KrisFlyers.
  21. And of course, I never read and fully comprehend. I completely miss the keyword: pick.
  22. I normally buy from one of the marketplace sellers on Amazon. Have received some bad devices in the past, but Amazon has made it pretty straightforward to deal with in those situations. I feel like the A-Z guarantee, or whatever they call is, certainly favors the buyers.
  23. The last time I walked into a 7-11 was when vcom atm is doing magical stuffs. That didn't last long.
  24. If the iMac is performing at a decent pace, you can always save money by just buying an external monitor. Good monitors these days are dirt cheap.
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