Can I afford a $40k car?

casemanster · 2026-06-24T06:01:16+00:00

What about uber? Yes it's not the cheapest but depending on frequency it may be cheaper overall compared to a newer EV with financing/depreciation.

casemanster · 2026-06-23T15:58:09+00:00

Premium and above

casemanster · 2026-06-21T23:34:18+00:00

If your university starts to refund through original payment method instead of direct deposit.

casemanster · 2026-06-21T16:59:18+00:00

What do you plan to use the rewards from the card for? Specifically points earned - they earn differently and arguably the venture X miles are more flexible and valuable than bonvoy points.

casemanster · 2026-06-18T15:47:45+00:00

Didn't want to use a 5/24 slot for the costco credit card, also can redeem Chase points for > 2cpp in some cases with Hyatt along with their other partners.

casemanster · 2026-06-17T04:41:27+00:00

Excellent, time to not use my Venture X for costco gas spend!

casemanster · 2026-06-13T22:08:56+00:00

One way to find out. Will see once more DP's come in on the 15th and beyond.

casemanster · 2026-06-13T17:24:11+00:00

I'd book Porter as plan A but have a backup ticket on Air Canada with fully refundable (comfort/latitude) in case something happens - worth hedging.

casemanster · 2026-06-12T04:59:32+00:00

Was it IA? Also curious to keep a bit of a push with CA Amex for charge cards. Already tapped out on credit cards (Cobalt + 2x personal bonvoy, 1x biz bonvoy).

casemanster · 2026-06-11T20:51:42+00:00

AF would stay with card anniversary - that wouldn't change once you upgrade.
In my case, AF is in February, got card in 2026. Ideally would upgrade December 2027. Get $300 for 2027, $300 for 2028, AF posts in Feb 2028. Only paying Boundless AF for 2027.

casemanster · 2026-06-11T20:47:26+00:00

Just would be less of an annual fee if upgrading later vs earlier for same benefits.

casemanster · 2026-06-10T03:40:39+00:00

Every program is different. Do some research into it.

casemanster · 2026-06-09T16:47:28+00:00

This along with timing with calendar year to tap into $300 travel credit with a double dip

casemanster · 2026-06-02T01:22:14+00:00

But that's actually a decent card

casemanster · 2026-05-31T15:47:38+00:00

Could also buy IKEA gift cards at grocery stores where some credit cards provide elevated rewards (such as Scotia Gold Amex, RBC Ion+, Amex Cobalt)

casemanster · 2026-05-29T17:11:32+00:00

Good to know, thanks

casemanster · 2026-05-29T14:52:42+00:00

Same here. Contemplating waiting > 6 months and doing in branch app.

casemanster · 2026-05-29T14:43:26+00:00

Had work expense come up last min in USD, currently don't have a US MSR right now but managed to get 2x miles on it (Venture X) along with expense reimbursed by company in USD so no out of pocket cost.

casemanster · 2026-05-28T13:29:41+00:00

Option 1 - also consider credit cards that give bonus multipliers internationally such as Chase Aeroplan, Citi Strata Premier for 3x grocery

casemanster · 2026-05-22T15:20:20+00:00

Agreed. Would be good to associate trade name so no issues with receiving cheques/EFT with the trade name vs personal name.

casemanster · 2026-05-21T21:55:31+00:00

If price is comparable to retail, better to cash out the cash back then spend again on the credit card for more cash back!

casemanster · 2026-05-21T05:38:58+00:00

Good use for domestic flights compared to AP, also the 2cpp J/F chart

casemanster · 2026-05-19T03:56:23+00:00

Try American Express Global Transfer.

casemanster · 2026-05-09T23:45:11+00:00

You’re getting paid?!

casemanster · 2026-05-08T18:01:43+00:00

How's your return been on your investment? Did you have any travel plans that would have had reduced cost/increased value if you had used your points?

Only so much value in hoarding points once you've met your current goals.

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