|
The authoritative site for credit card rewards: https://www.nerdwallet.com/
|
#
?
Jun 28, 2015 18:11
|
|
|
|
| # ? May 16, 2024 09:52 |
|
|
High Lord Elbow posted:Fidelity Amex is the best I've found. 2% unlimited cash back on everything. No fees. Fidelity Amex appears to only give you the 2% when you invest the rewards in a Fidelity brokerage account. Citi Double Cash gives you 2% without having to dick around too much (1% when you swipe, 1% when you pay the bill) and no annual fee, plus it's a MasterCard instead of Amex.
|
|
#
?
Jun 28, 2015 18:39
|
|
|
Powerlurker posted:Fidelity Amex appears to only give you the 2% when you invest the rewards in a Fidelity brokerage account. Citi Double Cash gives you 2% without having to dick around too much (1% when you swipe, 1% when you pay the bill) and no annual fee, plus it's a MasterCard instead of Amex.
|
|
#
?
Jun 28, 2015 18:54
|
|
|
At half the rate
|
|
#
?
Jun 28, 2015 18:57
|
|
|
E. Babby posted, didn't know he could climb the kitchen table. Will edit in content later. Having expensive electronics in reach of children = bad with money. Guest2553 fucked around with this message at 19:02 on Jun 28, 2015 |
|
#
?
Jun 28, 2015 19:00
|
|
|
Someone call the police, a goon is in trouble
|
|
#
?
Jun 28, 2015 19:02
|
|
|
Good with money: account-sharing with your toddler
|
|
#
?
Jun 28, 2015 20:02
|
|
|
I feel like random toddler posting could only improve the overall standard of the forums. We should allow a certain percentage of toddler posts; perhaps offering Slowmo financial advice, E/N relationships, TCC life advice etc.
|
|
#
?
Jun 28, 2015 20:13
|
|
|
Really want to know what the toddler wrote.
|
|
#
?
Jun 28, 2015 22:49
|
|
|
silvergoose posted:Really want to know what the toddler wrote. Pureed carrots can't melt steel beams.
|
|
#
?
Jun 28, 2015 22:56
|
|
|
It was strikingly similar to some of the posts you used to see in the old benzo threads.
|
|
#
?
Jun 28, 2015 23:36
|
|
|
"buy bitcoin"
|
|
#
?
Jun 29, 2015 02:38
|
|
|
BWM: Sibling Edition: My 28 year old sister broke up with her boyfriend, so she moved back in with our parents while she sorted some things out (good with money?). She then decided that she wants to stay until next March so she can move to London. I spoke to her yesterday and in the 5 months she's been living at home she has only saved AUD $1000, and when she decided to finally do a budget she "couldn't figure out where a whole $1000 a month is going". That 1000 unknown dollars a month is on top of another $1000 a month on naturapathy/fad diets/supplements. Add to that going to festivals, concerts, buying lots of clothes, and apparently a trip to Bali in October. She has no debt, is not paying rent/utilities, but is somehow managing to burn thousands of dollars a month on bullshit, some of it unidentified.
|
|
#
?
Jun 29, 2015 03:58
|
|
|
Is she fat or something?
|
|
#
?
Jun 29, 2015 04:02
|
|
|
Cultural Imperial posted:Is she fat or something? Was - now is one of those born again fitness and health enthusiasts who won't eat dairy, wheat, cured meats, sugar, caffeine etc etc. I'm all for a balanced diet and exercise, but as soon as someone says "no cheese or cured meat" they've crossed a sacred line.
|
|
#
?
Jun 29, 2015 04:11
|
|
|
 I'm lactose intolerant. I can't help it dude. Whys you discriminate against me?
|
|
#
?
Jun 29, 2015 08:30
|
|
|
Hocus Pocus posted:Was - now is one of those born again fitness and health enthusiasts who won't eat dairy, wheat, cured meats, sugar, caffeine etc etc. Crikey, she's done for. At least tell me she didn't download "The Whole Pantry" app when it was still online.
|
|
#
?
Jun 29, 2015 10:01
|
|
|
Powerlurker posted:Fidelity Amex appears to only give you the 2% when you invest the rewards in a Fidelity brokerage account. Citi Double Cash gives you 2% without having to dick around too much (1% when you swipe, 1% when you pay the bill) and no annual fee, plus it's a MasterCard instead of Amex. Is MasterCard over Amex good? Or just from a "more places take this" standpoint. Because I like having a doubled warranty on everything I purchase with Amex.
|
|
#
?
Jun 29, 2015 13:01
|
|
|
No Butt Stuff posted:Is MasterCard over Amex good? Or just from a "more places take this" standpoint. Because I like having a doubled warranty on everything I purchase with Amex. Mostly because more places accept it. Also, plenty of Visa and MasterCard cards offer some sort of extended purchase protection (not sure if it's as good as Amex, but similar programs are offered).
|
|
#
?
Jun 29, 2015 14:02
|
|
|
No Butt Stuff posted:Is MasterCard over Amex good? Or just from a "more places take this" standpoint. Because I like having a doubled warranty on everything I purchase with Amex. We prefer mastercard for convenience of being taken everywhere. Even costco is renegotiating and probably going to drop amex so our only reason to have an amex card is about to go away.
|
|
#
?
Jun 29, 2015 14:42
|
|
|
We have both a Fidelity Amex and Visa, both set to deposit 100%of the rebates into my children's 529 accounts. Amex gives 2% and Visa gives 1.5%, so we only use the Visa at places that don't take Amex. We put absolutely everything we can on the credit cards and pay them off in full each month, with autopay drawing from checking on the due date. It's free money for my kids and a month of float for me, not that that matters at current interest rates. I also like having everything I buy on 1-2 electronic statements that I can compile in Excel. And whoever said they cut the rebate to 1% if you pull it out of Fidelity accounts is full of poo poo. Yes, you need a brokerage account, but once it hits, it's cash like any other.
|
|
#
?
Jun 29, 2015 15:42
|
|
|
No Butt Stuff posted:Is MasterCard over Amex good? Or just from a "more places take this" standpoint. Because I like having a doubled warranty on everything I purchase with Amex. i still have my AmEx, but the citi double cash is 2% on everything as mentioned above, has the extended warranty, the car rental, almost all the same benefits as AmEx. So its not like one is awful, but the double cash tends to have a bit more with pretty much no downside.
|
|
#
?
Jun 29, 2015 17:17
|
|
|
Cross post from another threadNagato posted:holy crap, people in general are bad at personal finance it's a good read would recommend
|
|
#
?
Jun 29, 2015 17:31
|
|
|
High Lord Elbow posted:We have both a Fidelity Amex and Visa, both set to deposit 100%of the rebates into my children's 529 accounts. Speaking of 529 accounts, does anyone else have one and how has it done with contributions and the whatnot? I guess mine has done well enough in that I had hoped to have 20k in there by the time my daughter turned 18 and it's on track for 25k. But holy loving poo poo that doesn't pay for much these days. I think we started out at $50 a month and now we're up to almost $200 between two kids and it'll be gone within three years even with free tuition from a state school. A nice private university would have required the equivalent of an 18 year car note in contributions for each kid. Ron Paul Atreides posted:Cross post from another thread That was a horrible read. Krispy Wafer fucked around with this message at 17:40 on Jun 29, 2015 |
|
#
?
Jun 29, 2015 17:35
|
|
|
Ron Paul Atreides posted:Cross post from another thread That guy says he has a degree is business. He should probably go ahead and give it back. Assuming it isn't from a degree mill anyway, I could totally see someone like that buying into getting their bachelor's in an afternoon for $499.
|
|
#
?
Jun 29, 2015 17:40
|
|
|
Krispy Kareem posted:I guess mine has done well enough in that I had hoped to have 20k in there by the time my daughter turned 18 and it's on track for 25k. But holy loving poo poo that doesn't pay for much these days. I think we started out at $50 a month and now we're up to almost $200 between two kids and it'll be gone within three years even with free tuition from a state school. A nice private university would have required the equivalent of an 18 year car note in contributions for each kid. Yeah... we're planning for 20k per year per kid in today's dollars.
|
|
#
?
Jun 29, 2015 17:47
|
|
|
Ron Paul Atreides posted:Cross post from another thread Krispy Kareem posted:Speaking of 529 accounts, does anyone else have one and how has it done with contributions and the whatnot? Free tuition sounds amazing! Rurutia posted:Yeah... we're planning for 20k per year per kid in today's dollars. This sounds very reasonable for total cost for a state school. I know that's about what my buddy paid, 2010-14.
|
|
#
?
Jun 29, 2015 17:53
|
|
|
Ron Paul Atreides posted:Cross post from another thread "Hey I've spend thousands of dollars and this stuff and nothing has worked... time to spend thousands more. THIS will be the one!" quote:daddy needed backlinks, daddy needed SEO, daddy needed some content, daddy wanted an authority site. *pays for all of this*. I once read some wise words about business, and that's to learn how to do all this stuff yourself instead of throwing money at it. Like I think it said "You can spend $10,000 to get your first customer, or you can spend nothing more than normal operating costs, and time, to get your first customer." And it was true. ^ Speaking of non-college tuition. My state is now allowing parents to choose where they want their school tax dollars to go (something like $5,000 per kid). So if someone home schools their kid they can keep that $5,000 (IIRC), or it can go towards a private school or something. My guess is bad with tax dollars, but I'm not sure. Our governor actually just passed a billion dollar school tax increase though so maybe schools will still get the funding they need. http://www.csmonitor.com/USA/Education/2015/0603/Nevada-s-groundbreaking-school-choice-law-Help-or-hindrance-to-public-system
|
|
#
?
Jun 29, 2015 18:07
|
|
|
High Lord Elbow posted:We have both a Fidelity Amex and Visa, both set to deposit 100%of the rebates into my children's 529 accounts. Amex gives 2% and Visa gives 1.5%, so we only use the Visa at places that don't take Amex. We put absolutely everything we can on the credit cards and pay them off in full each month, with autopay drawing from checking on the due date. It's free money for my kids and a month of float for me, not that that matters at current interest rates. I also like having everything I buy on 1-2 electronic statements that I can compile in Excel. Doesn't the fidelity amex give you the full 2% directly as cash rebates if you redeem points in $250 increments?
|
|
#
?
Jun 29, 2015 18:17
|
|
|
Rurutia posted:Yeah... we're planning for 20k per year per kid in today's dollars. Yeah, I'm the same. Except for the 'per year' part.  Fortunately my state taxes poor people to fund tuition for state colleges. So as long as my kids keep a B average all I have to cover is fee's, books, and living expenses. Thanks lottery I'm smart enough not to play! Knyteguy posted:^ Speaking of non-college tuition. My state is now allowing parents to choose where they want their school tax dollars to go (something like $5,000 per kid). So if someone home schools their kid they can keep that $5,000 (IIRC), or it can go towards a private school or something. My guess is bad with tax dollars, but I'm not sure. Our governor actually just passed a billion dollar school tax increase though so maybe schools will still get the funding they need. I guess it depends on how they're allotting funds or making up for the $5k a kid/year shortfall. If they take it from the school district, then the schools might actually benefit in the short run as long as they were spending more than $5k each year to educate the student who is no longer enrolled. In the long run it's not so good because schools have fixed costs that don't change with declining enrollment. Krispy Wafer fucked around with this message at 18:38 on Jun 29, 2015 |
|
#
?
Jun 29, 2015 18:32
|
|
|
Krispy Kareem posted:Yeah, I'm the same. Except for the 'per year' part. Your kids can work a PT job to make up the minor shortfall. It usually makes them a better student and far more employable later on.
|
|
#
?
Jun 29, 2015 18:42
|
|
|
SiGmA_X posted:I'm jealous. That's so cheap! The idea is for the 529 plan to cover 2 years, we pay out-of-pocket for 1 year, and they take loans/save up for the last year with a goal of them graduating with no more than 20k in student loan debt. And after they graduate I use all the money I'm saving to buy a horse.
|
|
#
?
Jun 29, 2015 18:50
|
|
|
I'm mixed on 529's. My kids are under 4, and I doubt education in 15 years will look like it does today. I think we're on the edge of a bubble where people will soon realize that there are vastly more efficient ways to educate than to park 50 bored teenagers in a classroom in front of a live instructor, then bill them $40k and build a new fitness center. But I don't want money to be a barrier either, so my goal is $250k per 529 when they turn 18. If they don't need it all, no biggie, I guess.
|
|
#
?
Jun 29, 2015 18:59
|
|
|
Knyteguy posted:^ Speaking of non-college tuition. My state is now allowing parents to choose where they want their school tax dollars to go (something like $5,000 per kid). So if someone home schools their kid they can keep that $5,000 (IIRC), or it can go towards a private school or something. My guess is bad with tax dollars, but I'm not sure. Are the child-free allowed to opt out of the tax entirely?
|
|
#
?
Jun 29, 2015 18:59
|
|
|
BarbarianElephant posted:Are the child-free allowed to opt out of the tax entirely? That's a great idea if I can opt out of subsidizing Obamacare for smokers and obese people. You can't have it both ways, see?
|
|
#
?
Jun 29, 2015 19:02
|
|
|
It's in everyone's interest to have a strong education system, whether their kids take advantage of it or not. Investing in education rather than dealing with the consequences of an undereducated society is good with money.
|
|
#
?
Jun 29, 2015 19:10
|
|
|
If only we had a strong education system instead of simply an expensive one...
|
|
#
?
Jun 29, 2015 19:19
|
|
|
BarbarianElephant posted:Are the child-free allowed to opt out of the tax entirely? Depends on your county and your age. Here, you no longer pay the school portion of your property taxes once you reach 65. Which is nice for people on a fixed income, but ignores the fact that their home values have a direct link to local school quality.
|
|
#
?
Jun 29, 2015 19:30
|
|
|
BarbarianElephant posted:Are the child-free allowed to opt out of the tax entirely? Mm, well the new tax is on tobacco products, business licenses, and a very small payroll tax for companies with greater than $4,000,000 in yearly revenue. So no on that. The allotment (ESA I guess is what it's called) is just that. No kid no allotment. People here can't complain about taxes too much in my opinion, since we have no state tax. We're also pretty business friendly, especially to warehouses. e^ ah, not sure about property taxes. Interesting.
|
|
#
?
Jun 29, 2015 19:46
|
|
|
|
| # ? May 16, 2024 09:52 |
|
|
Antifreeze Head posted:That guy says he has a degree is business. He should probably go ahead and give it back. Assuming it isn't from a degree mill anyway, I could totally see someone like that buying into getting their bachelor's in an afternoon for $499. I felt bad for the gullible guy until he said he had a degree in Marketing. Maybe I don't know what actually goes into obtaining that kind of degree, but if anyone should see though that bullshit shouldn't it be you??? ('you' reddit poster, not 'you' goon I am quoting)
|
|
#
?
Jun 29, 2015 20:01
|
|
