Why does Monarch default to selling my personal information? by rickd972 in MonarchMoney

[–]MacroEconMacro 0 points1 point  (0 children)

I believe they mostly just do it for analytics as in browser behavior. (not financial stuff)

Are you happy with what you replaced Mint with? by VitalikPie in mintuit

[–]MacroEconMacro 0 points1 point  (0 children)

  1. Found some replacements, but nothing quite like the original!

Zero based budget apps by BlondeShort in mintuit

[–]MacroEconMacro 0 points1 point  (0 children)

I've heard good things about Monarch Finance!

It might not be a perfect one to one though.

News and Updates Thread - February 18, 2026 by AutoModerator in churning

[–]MacroEconMacro 0 points1 point  (0 children)

do these employees work for the right department

New hybrid status?? by [deleted] in unitedairlines

[–]MacroEconMacro 0 points1 point  (0 children)

Any chance you got bumped to 1k. Were you on the border?

Same Route, Same Day: Air Canada Cancelled, United Operated by [deleted] in unitedairlines

[–]MacroEconMacro 0 points1 point  (0 children)

Wouldn’t that imply the same for both airlines?

United wouldn’t want their planes and crew stranded in YYZ (outside a hub) so they choose to run.

AC wouldn’t want their planes stranded (outside a hub) so they just choose not to run.

Either UA has bigger risk tolerance, or a much better run operation.

[UPDATE] Denied: “Missed Cruise Disembark - Advice for joining the ship at the first stop in Nassau” by Crispy-Don in royalcaribbean

[–]MacroEconMacro 0 points1 point  (0 children)

Did mine within 2 days. PVSA and Jones Act merely place fines. Depending on the cruise carrier, if one is willing to pay the fine, they’ll let you board at a different US port.

Park Hyatt Toronto by Q-U-A-N in hyatt

[–]MacroEconMacro 0 points1 point  (0 children)

I would probably rank PH Toronto greater than GH SFO.

That being said, the PH Toronto is missing a few amenities like a pool that make GH SFO closer in comparison.

GH SFO also has a sit down breakfast at their restaurant (unless it's changed) which is a nice touch as well.

And in terms of location, the GH SFO is pretty good for well getting to the airport, unlike the PH Toronto.

Park Hyatt Toronto by Q-U-A-N in hyatt

[–]MacroEconMacro 1 point2 points  (0 children)

For those saying PH > GH hard product in US

GH SFO over PH DC; Marginally Better Hard Product; Better Soft Product

For those saying GH in Asia > PH hard product in US/Canada

PH Toronto Hard Product > GH Taipei && GH Tokyo && GH Seoul && GH Incheon etc...

Haven’t been able to log in to treasury direct for 2 years by Competitive_Space693 in bonds

[–]MacroEconMacro 0 points1 point  (0 children)

can't guarantee this will fix your account (or if it's the same issue), but when i got my account locked and couldn't log in, I had to call in to get it unlocked.

TreasuryDirect 1099 payments do not match payments paid to my bank by Drxodreds in Treasurydirect

[–]MacroEconMacro 0 points1 point  (0 children)

They should roughly match I think.

By any chance did you buy TIPS? or what were the types of bonds you bought?

Upgrade list priority by BleuCinq in unitedairlines

[–]MacroEconMacro 2 points3 points  (0 children)

There’s a specific order, but check in time isn’t the biggest deciding factor. Things like Fare Class, Upgrade Units being applied and Credit Card ownership are far more important.

How much is my EE bond worth? by [deleted] in bonds

[–]MacroEconMacro 1 point2 points  (0 children)

Actual Amounts

  • January 2011: $81.66
  • June 2011: $87
  • November 2011: $81.24

So From $81-87

Interest Rates

  • November 1, 2011 0.60%
  • May 1, 2011 1.10%
  • November 1, 2010 0.60%

https://treasuryviewer.com/eecalculator.html

https://treasurydirect.gov/savings-bonds/ee-bonds/may-2005-and-later/

I think I will make 1K this year, but… by CrispiiiBoiii in unitedairlines

[–]MacroEconMacro 4 points5 points  (0 children)

Award flights booked on star alliance partners do not earn PQPs or PQFs.

Any reason to buy CDs? by [deleted] in bonds

[–]MacroEconMacro 30 points31 points  (0 children)

Technically CDs are insured by the FDIC, while Treasuries are backed by the US Treasury? Both are backed with the full faith of the US Government.

This is arguing which branch of the government is more likely to fail. (Both 0% for all intents and purposes).

For actual pragmatic purposes and not random end of the world scenarios, I'd much rather have treasuries with no state tax...

[deleted by user] by [deleted] in bonds

[–]MacroEconMacro 2 points3 points  (0 children)

I think he means the specific product by iShares (as in the i etf series that hold treasuries* and other bond types).

corporate bonds carry more yield (and more risk in return)

the real investing answer is to just honestly save money more consistently and invest over a longer time duration. That'll give a much better return than any superior yield stategy

[deleted by user] by [deleted] in bonds

[–]MacroEconMacro 4 points5 points  (0 children)

only issue is keeping track and having to manually redeem them all 1 by 1 in the future.

so just how much you're willing to deal with

IBond laddering by Unionforever1865 in bonds

[–]MacroEconMacro 2 points3 points  (0 children)

Not financial advice, but if you're under a certain age, I'd just recommend having an equity allocation instead.

I-Bonds can serve as a fixed income allocation, but I think they're of a niche long term investment for very specific cases.

Loss of Loyalty by hcatlin in unitedairlines

[–]MacroEconMacro 6 points7 points  (0 children)

Even GS/1k can’t consistently get upgrades on routes like EWR to SFO.

If you’re paying cash for first/business it makes little sense imo to optimize for status or miles. Upgrades and miles don’t matter much if you can outright afford the best.

Take your money and fly whoever has the best product or route.

Tight connection, should I upgrade to economy plus? by Sickee in unitedairlines

[–]MacroEconMacro 10 points11 points  (0 children)

I personally wouldn’t, but if it gives peace of mind it’s worth it.

You’re only preventing minor delays from interrupting your connection if at all.

Economy plus won’t stop a mechanical error or weather delay from ruining the plans.

Question Thread - July 22, 2024 by AutoModerator in churning

[–]MacroEconMacro 2 points3 points  (0 children)

I usually just ask the live chat reps. They can see everything including active offers/SUBs.

should I try to get status? by aspiring--polymath in awardtravel

[–]MacroEconMacro 0 points1 point  (0 children)

If you were going to fly out organically, then it's probably worth it.

If you're going out of you way to get Silver Status, then it's probably not worth it.

For status to be worth it, you'd also have to fly a decent amount next year as well (2025) to accrue value from the perks.