I love credit cards so much!

[Haley R]

Why is this so funny to me? I watched it three times.

 

[SouthFayetteFan]

Why is this so funny to me? I watched it three times.

I have to ask...do you know who Dikembe Mutumbo is? LOL! Not trying to act like some old guy here...lol

 

[Haley R]

I have to ask...do you know who Dikembe Mutumbo is? LOL! Not trying to act like some old guy here...lol

No idea who he is, but his laugh is funny lol

 

[wendow]

I have to ask...do you know who Dikembe Mutumbo is? LOL! Not trying to act like some old guy here...lol

I haven't a clue who that is and I'm older than you! And sorry friend, but in comparison to @Haley R , you really are some old guy lol! How does it feel

 

[SouthFayetteFan]

No idea who he is, but his laugh is funny lol

Haha - he's a Hall of Fame NBA player originally from the Congo. Pretty impressive dude all around!

 

[SouthFayetteFan]

I haven't a clue who that is and I'm older than you! And sorry friend, but in comparison to @Haley R , you really are some old guy lol! How does it feel

That I am...and I'll own it

 

[wendow]

That I am...and I'll own it

You are so not old but good for you! Age is just a number. My dh gets agitated with each birthday and I'm like...so what...another year older...big whoopty doo

 

[mom2elal]

Went to do my RMN offer at CVS today, and of course I wanted the best deal on the stuff I was buying, so I was combining coupons and sales, but apparently I was too good with my bargain hunting, because the transaction that I thought would be $27 turned out to be $24.30. And my card was already in the machine, so I didn't have time to add something else when I realized. Guess I'll be going back to CVS tomorrow.


By the way, I'm assuming that the $25 transaction is after tax, is that correct?

 

[wendow]

By the way, I'm assuming that the $25 transaction is after tax, is that correct?

Yes. I think the offer states that the $25 is before tax but I've read several reports of the cash back pending with $25 after tax.

 

[Artygal90]

Someone talk me out of speculatively buying Disney tickets before they (probably) go up in price next month. I didn't have any plans to go to WDW next year except for maaaaaybe MNSSHP at the end of our Universal trip. Now I'm eyeing the Undercover Tourist deals and wondering if I can squeeze in a trip next Christmas...save me from myself! (It wouldn't even be towards an MSR!)

 

[calypso726]

I haven't a clue who that is and I'm older than you! And sorry friend, but in comparison to @Haley R , you really are some old guy lol! How does it feel

Ok I know I'm older and I didn't know who he was either. Then again, "me no hablo sports" but I thought the commercial was funny. So I Googled the dude. It turns out he is known as the greatest shot blocker in basketball and would wag his finger in a no no no gesture after blocking. The gesture would be copycatted by other athletes for an entire generation #trendsetter

I'm pleased to be able to file away another random bit of useless information that may wind up serving me well during a game of trivial pursuit in some unintended convoluted fashion. Probably a question that I think is actually about golf or lacrosse with my track record.

 

[GZanta77]

For those waiting on the Southwest schedule release for April - I was just able to book for the week of April 13 by going through the Low Fare Calendar.

 

[MrPTato]

Hit the RMN offers last night with Staples, HD, CVS, & Walgreens. Did two purchases or swipes at each...quick $80. All flagged before I even had my receipt printed.

 

[miztressuz]

When I click on DoC for the latest Chase offer, it does say direct deposit is required. Not sure if you had signed up for an earlier that didn't require it. I'm thinking of doing this for the first time, but need to check business office to see if DD is easily changeable.

In this case the Fidelity triggered the direct deposit requirement. There are banks that send money the same way as a DD so it will automatically trigger the bonus. DoC has a list for what's worked for most banks. Fidelity, and other brokerages, at least is explainable as income
Just putting out an option for you if changing your DD is difficult.

Yes, Disney commission is about 10% of the package price. Since this is my first booking, I'm not sure how it would break down on the separate components. I guess I'll learn more as I go. My aunt has to pay a part to the agency she is under, and then hold some for taxes (about 20% of the commission goes to those two things). My aunt is also charging these clients a 'service fee' to do all the dining and FP's.

For non-Disney trips, I think commissions can be much better. My aunt mostly does cruises and I think she makes much better on those. Disney is more stingy I think (imagine that...!).

Yes, cruises are the sweet spot I think. That's how agencies can hand out so much OBC, or Costco with their GCs. Plus it's usually on a volume scale, the more business you bring in the higher the cut. Which is why attaching yourself to the right agency is important, and why some agencies specialize in a brand. ( and why some hand out so much better incentives than others)

Huh that's a good idea. It's only $4,000 in 3 months and we could easily make that work.

I have another question for you or anyone who knows about Hilton. We booked a one night stay at a Hilton before our October trip. Do the points get added after we actually stay there? If I apply and get my business card can I switch the reservation to that card to get the 12x points?

Yep. Your status will update within a day or so of approval (a couple hours usually) so you'd be Gold in advance of your stay with the biz card. And unless you have a deposit or prepaid rate, you can just switch it when you check in. (Otherwise if you call the hotel they can update it in advance) You get the Gold earning rate in addition to the 12x what's charged to the card.

I have to ask...do you know who Dikembe Mutumbo is? LOL! Not trying to act like some old guy here...lol

That had nothing to do with age and all about if you follow the NBA. I had no idea he existed until the commercial. And I keep up with top level stories of scores and I'll remember players if they're talked about enough, he was obviously not discussed enough in my neck of the woods to make a blip But it is funny and I can only imagine how that went over on the court

 

[DisneyMandC]

Mine and DH’s Walgreens and CVS offers went through last night! Another $40! So I’ve now done WG and CVS twice, DH only once. I’m going to hit them up again today for one final round. Still waiting on HD to post but I did that after the others.

 

[speedyfishy]

That I am...and I'll own it

I think I’m one of the younger people here and I know who mutumbo is so don’t feel too old.

 

[GlamMistress]

Woke up to a lot of my RMN money moving from pending to available! Staples never tracked and I bought a giftcard so I lost that one (same for DH). Time to relink and go again!

 

[WVMomof3]

Would it be tacky to give a Visa gift card as a wedding gift instead of cash? And to make it worth my while, I guess it would need to be 2 since at Kroger I can only buy up to $100 to get the fuel perks.

 

[striker1064]

Hey YNAB friends- how do you put bank bonuses in your YNAB? I don't want to treat it as income for this month... do I just do it as an off budget account?

Just will throw in my method... some of my bank accounts are on-budget, but my savings are off-budget. I have a line in YNAB for Savings. So when the bonus posts in my on-budget account, I categorize it as savings, then transfer it off-budget and run it through the same savings line. It's in and out. Hope that makes sense.

Figured I'd mention something of interest on r/churning - I was having a nice PM chat with one of the new mods u/andysol1983. He and I have been "reddit friends" for awhile and I knew he liked Disney but didn't know just how much.

He's the guy that shot this video after Irma:

Neat to have another Disney supporting Mod (u/duffcalifornia is big on Disney too). From what I know, neither of those guys are active here on the DIS so they don't even know we exist. Not that I'd care if they showed up on our thread here...but I don't exactly try to invite people from r/churning to join us, LOL!

I've chatted with him a few times as well. He's a DVC owner too, had some good tips for that.

 

[miztressuz]

Would it be tacky to give a Visa gift card as a wedding gift instead of cash? And to make it worth my while, I guess it would need to be 2 since at Kroger I can only buy up to $100 to get the fuel perks.

Well, you'd know your audience, but in general I don't think so. I got one or two as shower gifts I think, and that was a while ago, I think VGCs are more prevalent now. I almost think in some places it's more accepted than cash. But again that's totally dependent on the audience.

But me personally I don't expect gifts and don't judge what they are... and I used to get mad that someone paid a fee when they could have saved 5 bucks by giving cash, until I learned of these deals on them that can negate the fee. (Although I don't think too many others think that hard into it) And if you told me how much you saved off face value on top I'd give you a high five and love it more... so now that I think about it, I guess take this with a grain of salt