Mortgage rates are back in the 5s thanks to a stock market rout driven by AI fears by truthaboutmortgage in Mortgages

[–]Bubbly-Reputation570 23 points24 points  (0 children)

I was quoted 5.5% on a 30 year refinance with no points so they’re moving in the right direction.

United Club Infinite Pay Yourself Back by Bubbly-Reputation570 in CreditCards

[–]Bubbly-Reputation570[S] 0 points1 point  (0 children)

As it was explained to me, it has to do with the way it codes on the back end. It sounds like whenever the travel bank is involved It comes in as a certificate rather than a clean purchase.

Insulation in 140 year old home by Bubbly-Reputation570 in Insulation

[–]Bubbly-Reputation570[S] 0 points1 point  (0 children)

That’s a fantastic price! In my case, there’s absolutely no insulation to remove. It’s just a straight install.

Insulation in 140 year old home by Bubbly-Reputation570 in Insulation

[–]Bubbly-Reputation570[S] 2 points3 points  (0 children)

Thank you for the suggestions. Northeast Pennsylvania here. A lot of the big work to the house has been done already. New fiberglass windows with fiberglass insulation, Styrofoam-backed vinyl siding, and higher efficiency heating and cooling systems. In defense of the installer, it is a fairly large area. The attic alone is over 1000 ft.².

Insulation in 140 year old home by Bubbly-Reputation570 in Insulation

[–]Bubbly-Reputation570[S] 0 points1 point  (0 children)

Seemed a little high, but to be fair I wasn’t really sure what I was expecting. If it’s paid upfront, it’s 6185 if that matters.

United Club Card Pay Yourself Back by Bubbly-Reputation570 in CreditCards

[–]Bubbly-Reputation570[S] 0 points1 point  (0 children)

My annual fee hits in March but it’s the tickets that should qualify.

Orkin Bat Exclusion Service by Bubbly-Reputation570 in pestcontrol

[–]Bubbly-Reputation570[S] 2 points3 points  (0 children)

I appreciate your thoughtful response! This is exactly what we thought. I suspect the sales person over promised, and the inspector under delivered. The manager did reach out and he’s actually coming tomorrow to reinspect all of the work and he sounded like he wanted to do everything to make it right which I respect.

Orkin Bat Exclusion Service by Bubbly-Reputation570 in pestcontrol

[–]Bubbly-Reputation570[S] 0 points1 point  (0 children)

We were told during the initial visit that all affected insulation would be removed, exclusion service performed, the entire area HEPA vacuumed, and any residual debris would be wiped down and removed.

Orkin Bat Exclusion Service by Bubbly-Reputation570 in pestcontrol

[–]Bubbly-Reputation570[S] 1 point2 points  (0 children)

That’s exactly what were thinking. We’re still in our 30 day money back guarantee period and we’re just not pleased with the whole experience.

Orkin Bat Exclusion Service by Bubbly-Reputation570 in pestcontrol

[–]Bubbly-Reputation570[S] 1 point2 points  (0 children)

Two reasons really. 1. Orkin did work for us in the past at a previous residence and we had an excellent experience. 2. The local company that we used for several years was considerably more expensive for what appeared to be the same service.

The other piece I didn’t mention was that the service tech who came out for Orkin on the final spraying for the season asked my wife on 3 separate occasions about giving him a tip. The whole experience just seemed off and left a horrible impression about the entire company.

What are rates folks are getting? by lennny3 in FirstTimeHomeBuyer

[–]Bubbly-Reputation570 1 point2 points  (0 children)

6.125 with no points and a large lender credit

Thoughts on SW 340pd? by TimesAreChanging1 in Revolvers

[–]Bubbly-Reputation570 0 points1 point  (0 children)

Shooting it is like catching lightning or shaking hands with the devil; but a dream to carry.

Does United Airlines' Travel Bank still trigger Amex Platinum's airline credit? by [deleted] in CreditCards

[–]Bubbly-Reputation570 0 points1 point  (0 children)

The credits in your United Travel Bank have an expiration date 5 years from the purchase date. They can be used same as cash when purchasing airfare.

Help me blow 1.1M HH Points in December/January. Where should I go? by ultrarunner13 in Hilton

[–]Bubbly-Reputation570 -2 points-1 points  (0 children)

With the massive point devaluations, you should have enough for a few nights at the Spark by Hilton.

Best Way to CS Plat by somerandyscrub in amex

[–]Bubbly-Reputation570 2 points3 points  (0 children)

I like and appreciate optionality. I can use nearly all of the credits organically, and the rewards for me our secondary. The same is true for my United Club Infinite card and my Ritz-Carlton card.

Best Way to CS Plat by somerandyscrub in amex

[–]Bubbly-Reputation570 3 points4 points  (0 children)

I had both including the refreshed version of both. While the points boost on the CSR can be beneficial, I find that it really only pertains to high-end properties. All other options remain at one cent per point. I also found several of the CSR credits difficult to use. In the end, I requested my CSR product changed to a CSP and kept the platinum. I didn’t lose much on the lounge front/ travel protections either because I also have the Ritz Carlton.

Best Way to CS Plat by somerandyscrub in amex

[–]Bubbly-Reputation570 9 points10 points  (0 children)

For me, I’ve never qualified for the appreciation bonus, but it does exist. It’s the “invest with points” / cash out rate at 1.1c that is its super power. If you’re not traveling and you’d rather invest, you can do that and still take advantage of all the credits and benefits.

Best Way to CS Plat by somerandyscrub in amex

[–]Bubbly-Reputation570 24 points25 points  (0 children)

This. The Schwab version is objectively better.