futurehomeowner?
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Posts posted by futurehomeowner?
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So my other question. Someone mentioned going to an estanblsihemebt and buying GC and getting the cash at the cage. Does anyone do that? My worry is that they may generate a SAR. Same with the bank, if you are depositing cash and money orders for $2-$5 k regularly wouldn't that possibly generate a SAR in fear of structuring?
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Yes normally that is the case but in the last month and I believe until xmas the visa cards are included in fuel perks. It is true that they only have them up to $100 so maybe a tad bit more work but I was thiking of running 20k through since I would never be able to use that many fuel perks.
My grocery store only counts retail GCs towards fuel points. You're also talking about $5.95 + 2.5%, or a total of 3.6%. Those numbers don't work for me.MS is new to me but couldn't I take a card with say 2% cash back, buy $500 VCF at local grocery store which gives fuel perks. Right now you get $6 back on 30 gallons for every $50 so that 12% then use that card on Plastiq for 2.5% to just pay for that card. Sure it us wasting the plastiq fee bUT at least you don't have to deal with cashiers and MO.
Same here. At Kroger, the Fuel Points only accumulate on retail gift cards and fixed-value Visa/MC, of which they only seem to carry $25 and $100 denominations.
Also, I am not sure your process makes sense. I start with a card that has a $0 balance. I charge $500 plus the $5.95 fee at my grocery. I receive $10.12 in cash back from my CC. So far, we are good. But then you use the same card on Plastiq to pay it off. If I had a balance of $505.95 on the card, and I paid that off using the same card on Plastiq, I now have a balance on the card of $518.60. So in addition to the numbers losing money, the process fails as well.
$100+5.95 (5.95 counts towards perks too)
Receive $12 in gas (.20 per $50 up to 30 gallons)
Receive $2.12 cash back. I believe I could use my 5% grocery card too as it would be coded a grocery purchase.
Pay $2.65 to plastiq
Profit of $11.47 per $105.95 spent
We were planning on buying $600 of various cards for black friday shopping. I believe I could buy 6 VCF and turn around and use those to buy 600 in gift cards and effectively get $.30 per 50 on fuel after 5.95 fee.
Your calculations also assume that you will max out the gas reward with every fill up. Do you really get 30 gallons of fuel every time?
Yes I do. 15 gallons into the car and 3 5 gallon cans or 20 gallons into the truck and 2 cans.
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$31 million. Just goes to show how many people are clueless and sent them money.
I think the amount of scam companies shows how many people send money.
$31 million. Just goes to show how many people are clueless and sent them money.
I think the amount of scam companies shows how many people send money.
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Yes normally that is the case but in the last month and I believe until xmas the visa cards are included in fuel perks. It is true that they only have them up to $100 so maybe a tad bit more work but I was thiking of running 20k through since I would never be able to use that many fuel perks.
My grocery store only counts retail GCs towards fuel points. You're also talking about $5.95 + 2.5%, or a total of 3.6%. Those numbers don't work for me.MS is new to me but couldn't I take a card with say 2% cash back, buy $500 VCF at local grocery store which gives fuel perks. Right now you get $6 back on 30 gallons for every $50 so that 12% then use that card on Plastiq for 2.5% to just pay for that card. Sure it us wasting the plastiq fee bUT at least you don't have to deal with cashiers and MO.
Same here. At Kroger, the Fuel Points only accumulate on retail gift cards and fixed-value Visa/MC, of which they only seem to carry $25 and $100 denominations.
Also, I am not sure your process makes sense. I start with a card that has a $0 balance. I charge $500 plus the $5.95 fee at my grocery. I receive $10.12 in cash back from my CC. So far, we are good. But then you use the same card on Plastiq to pay it off. If I had a balance of $505.95 on the card, and I paid that off using the same card on Plastiq, I now have a balance on the card of $518.60. So in addition to the numbers losing money, the process fails as well.
$100+5.95 (5.95 counts towards perks too)
Receive $12 in gas (.20 per $50 up to 30 gallons)
Receive $2.12 cash back. I believe I could use my 5% grocery card too as it would be coded a grocery purchase.
Pay $2.65 to plastiq
Profit of $11.47 per $105.95 spent
We were planning on buying $600 of various cards for black friday shopping. I believe I could buy 6 VCF and turn around and use those to buy 600 in gift cards and effectively get $.30 per 50 on fuel after 5.95 fee.
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I always forget about these deals. Just logged in and activated 10% cell phone bill and $5 off $25 at petco. Was buying dogfood there today already so it was good timing.
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MS is new to me but couldn't I take a card with say 2% cash back, buy $500 VCF at local grocery store which gives fuel perks. Right now you get $6 back on 30 gallons for every $50 so that 12% then use that card on Plastiq for 2.5% to just pay for that card. Sure it us wasting the plastiq fee bUT at least you don't have to deal with cashiers and MO.
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Hey Debbie downer ;-)would you actually had paid rack rate?
But to answer your question. I would not have paid those rates but all trips were going to happen so I would have at least paid 80 or so each night. However in Niagara we would have been well away from the falls so it is nice to get the benefit of being on the falls.
I can't think of any Niagara Falls hotel worth $1200 a week...$1200 a night is crazy.But I'm glad you're getting value out of SPG.
1200 for 3 nights. It is 339 a night plus the crazy canadieu taxes. There is 60 in taxes per night. I hope we don't have to pay those.
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would you actually had paid rack rate?
Hey Debbie downer ;-)
But to answer your question. I would not have paid those rates but all trips were going to happen so I would have at least paid 80 or so each night. However in Niagara we would have been well away from the falls so it is nice to get the benefit of being on the falls.
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I have not been as good with rewards cards as some of you but a few months ago I opened an AMEX SPG with 25k bonus points. After my spend I ended up with 28600 points. I figured it would be good for a few nights. I was shocked at what I have been able to book with it so far. We have our entire summer planned with using their points.
We are goinf to Niagara Ontario memorial day weekend for 3 days sat, sun, aND Monday night. We also have another trip planned to Minneapolis for 2 nights to visit mall of america on a saturday and sunday. We are staying locally for a wedding for 1 night on a Saturday night. Lastly we have a trip planned to Toronto for 2 nights on a Friday and Saturday.
All rooms are at 4 points by sharaton.we have elected at a little lesser of hotel for more nights.
Here is a breakdown of costs.
Niagara 11k points, rack rate $1200
Minneapolis 6k points rack rate $380
Local 3k points, rack rate $249
Toronto 6k points, rack rate $420
So because of this card we have booked 8 nights at a total savings of $2250. I can't imagine there being a better rewards cars out there. If there is I am really missing out.
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Thank you whychat, that is perfect. I will do that tomorrow morning.
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It looks like a plan for Pennsylvania only. Is your son over 18? Not covered by your insurance under the Affordable Care Act?
He is 4. I understand there are plans specific to areas but my understanding is that ERs must accept Medicaid. Out of state medicaid will pay for services at ERs and hospitals must accept that as full payment. They did receive payment so the issue isn't whether our insurance will pay, it is whether it should be considered full payment.
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Hopefully someone here can help but this may get a little long. My son has UPMC for You which is PA Medical assitance. Last summer my wife went to the beach with her parents and our son. On the 2nd day she called me and said he had a high fever and coughing. She wasn't sure what to do as far as where to go. I called the insurance company and asked where we could go out of state. I was informed that the only place you can go is the ER and it would be covered.
I call my wife and tell her that she can go to the ER and it is covered or she could go to a med express type place and it will cost about $100. She ended Up going to the ER and there was no wait and she got seen right away. They did some tests and xrays. He ended up having bronchiolitis. They kept him for half a day and released him.
2 months later we get a bill for $1600. I called the insurance and was told they paid for the service so there should be no bill. I called the hospital and they said they are out of network so we are responsible for the difference between the paid amount and the billed amount. I called the insurance company back and told me that since it is medicaid the hospital has to accept payment in full.
The rep at the insurance company called the hospital to find out why they are not accepting it as payment in full. The rep called me back and said the hospital should be writing it off now. A few months go by and no bill. In Jan we received another bill so I started all the phone calls again. Fast forward to yesterday and I received a bill from the hospital again but this time it says it will be sent to collections if we dont pay.
I don't know all the rules and regs of medicaid but is the insurance rep correct in telling me that I should not be getting billed? If so what should I do to prevent this from going to collections. I was going to send a certified letter threatening action if it goes to collections but I don't want to do that if they actually have the right to send it.
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What is the new 5/24 rule?
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I mentioned Spirit earlier. I received an email today that they have a sale for Jamaica vacat. You can stay at a few resorts for $1000 a person for the week including airfare when booked trhough them.
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Oops I lied, wife says it is $48 each way from ft lauderdale. It is not an everyday price, you have to watch for sales but they happen often. We can get to Florida for 23 each way so total will be around 80. Sprit has a lot of bad reviews and you have to watch the extra charges but for us poor people it has been a great addition to our area.
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Oops I lied, wife says it is $48 each way from ft lauderdale. It is not an everyday price, you have to watch for sales but they happen often. We can get to Florida for 23 each way so total will be around 80. Sprit has a lot of bad reviews and you have to watch the extra charges but for us poor people it has been a great addition to our area.
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I was reading rad pads FAQ and they day you can not pay mortgage or utilities with it. Rent is ok though.
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We are planning a trip to jamaica. Not sure which part yet but our flight plan is to fly cheap to Florida and Spirit has a super super cheap flight to jamaica. It goes on sale for $32 1 way. Yes it is spirit but I have flown them 3 times in the last year with no problems.
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Does anyone know if using this can be used to help with getting your spend through for a bonus?
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I just went with my PNC 3.4 for 72 months. I picked up car today.
Anyone who is looking for a loan should check out PNC. You can apply online. I received automated instand approval and they will overnight the check to you. It works just like capital ones check.
Nice! What were/are your scores?
They only pulled 1, I think it was ex but I could be wrong. It was 709.
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APPROVING BANK PNC bank
BUREAU PULLED Experian
CREDIT SCORE 707
CUSTOMER STATE OF RESIDENCE PA
NEW/USED used
YEAR OF VEHICLE 2014
MILEAGE 22456
RETAIL/LEASE Retail
AMOUNT OF LOAN $26,000
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 3.44%
MONTHLY PAYMENT 443
MISCELLANEOUS COMMENTARY: we purchased a 2014 ford flex. This loan was simple with an automatic approval
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I just went with my PNC 3.4 for 72 months. I picked up car today.
Anyone who is looking for a loan should check out PNC. You can apply online. I received automated instand approval and they will overnight the check to you. It works just like capital ones check.
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I need to spend 3k on my new spg. Can I use plastiq to pay mortgage to get my spend through quicker? Or will they consider it a cash advance.
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Not bad for 72...Congrats
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Thank you, I just picked up my check from the bank. They have my credit score at 710, a little lower than expected but my util is all screwed up.
I can't think of any Niagara Falls hotel worth $1200 a week...$1200 a night is crazy.
M$ speed bumps
in Advanced Credit Topics
Posted
Aww that sucks. Luckily for us they are among the cheaper ones. Costco is slightly lower but costco is about 20 miles away so we don't go often.
Problem with them is there is some discussion about the quality of the gas.