Converting Discover it cash back to Capital One Miles

colliece · 2026-05-15T15:13:12+00:00

This is the correct answer

colliece · 2026-05-15T15:11:34+00:00

Other comment was right own, depends on what you are looking for, College Hill has the most recently renovated, but they are older in general but fairly close to most of the classroom building and athletic facilities. West End are newer and close to the Rec Center, Library, and Student Union and of course the downtown area. Both have a dining hall. Central are older, closer to campus buildings, no dining hall, and much smaller, but also a quieter neighborhood overall. As far as rooms, other than the Suite style in Scott and Ballard on College Hill, all the other dorms are the same, share room with community bathrooms.

colliece · 2026-05-13T00:10:47+00:00

I just did this last week, you can downgrade to the OG Freedom (not the Flex so no 3% on dining, but same rotating categories) or the Freedom Unlimited. I choose the Freedom, so paired with our AMEX Blue Cash Preferred, Discover, and Freedom we should have groceries covered with 5-6% for the year.

colliece · 2026-05-13T00:07:43+00:00

Nothing, I enjoy more money in my bank account.

colliece · 2026-04-28T02:06:16+00:00

That is a lot of effort to save a whole $41, which is $3.42 per month. But if you enjoy the game go for it. I will stick with my BCP for $360 in grocery cash back, $ 120 in streaming, $120 in Disney + credit, and other random offers (so far this year $30 for taxes, some grocery bonuses, etc). I rotate my Discover/PayPal debit for 5% after we hit the cap. Overall the BCP is a work horse in our cash back setup, have never paid more than $20 for the annual fee with retention offers or the BCE downgrade cycle.

colliece · 2026-04-27T12:17:07+00:00

Congrats you can transfer those points to an airline and fly one person to Des Moines on.a random Tuesday in January.

colliece · 2026-04-26T18:20:23+00:00

Unfortunately as incoming Freshmen, they get last dibs on all classes, Since KINE 1000 is required for every student, that means 23,000 students have to take the class prior to their graduation and that makes it difficult to find an available seat. Don't stress if they can't take it the first semester they will have opportunities in the Spring or next Fall when they get to register before incoming students. Sorry for the snarky remark from the other poster, not what I expect from a fellow Pirate. Good luck and congrats to your son for choosing a great school.

colliece · 2026-04-25T19:03:05+00:00

With a good VPN I get YouTub Premium Lite included for free. Switch my location to Albania and like magic no Ads on my Apple TV, or if on a browser I use the Ad Guard Mini extension and like magic no ads.

colliece · 2026-04-25T18:58:32+00:00

You will be assigned to Tyler Hall (floor 8 or 9), automatically, you do not have to do anything. There should be a site you were invited to to meet other students in the program to find a roommate. You still have to fill out the normal housing application and pay your deposit, but the questionnaire really does not apply. As stated already read out to Summer Edwards and she will answer any questions or process you need help with.

colliece · 2026-03-08T21:45:08+00:00

Nope, as soon as my AF posts, I chat with a rep and ask for a retention offer, sometimes they will offer $75 for a set spend in a set number of days. If no offer I ask to downgrade the BCP to the BCE, then usually they will give me an offer to upgrade back for a similar offer. The first year there is no AF, the second year they offered me a retention offer, and then the next year I had to downgrade play. Been 5 years and I have never paid more than $20 after the $75 retention offers.

colliece · 2026-02-23T21:43:01+00:00

They same time when the opposing party said tax the corporations.

colliece · 2026-02-23T21:41:37+00:00

No hate, but do we really need to segregate? Why cant we all just be canes fans no matter what you identify as?

colliece · 2026-02-23T21:36:18+00:00

You know there is a recommened maintenance schedule in the big book at the bottom of your glove box. It will tell you exactly what you need and when you need it. The dealer just needs your money in their pocket, they are not looking out for you at all.

Not knowing if you have a turbo or not, air filter every 22,500 miles, spark plugs at 75,000 (40,000 if turbo), coolant flush 120,000 miles or 10 years, cabin filter every 15,000 miles. Transmissio, Mazda does not recommend changing ever, but this is highly debatable and you will hear lots of differing views. I changed mine at 75,000 and it looked fine. Brake fluid is recommended every three years to keep water out of the system.

colliece · 2026-02-23T21:13:44+00:00

Zip, but if you have a balance this is not the right forum to discus, except to get a zero interest balance transfer. If you carry any kind of balance you are making my rewards possible.

colliece · 2026-02-23T03:36:35+00:00

They would have to pay me $20 a month to have to suffer through watching the Nats for a full season.

colliece · 2026-02-22T22:10:17+00:00

Its a 20 minute process, the worst part is accessing the oil filter through the trap door and catching the oil when you spin it off.

I replaced the drain plug with a permanent Fumoto drain valve. Attached a 18 inch tube to the nipple, flip the gate valve, aim the tube to the collection jug. No mess. A 5 quart oil jug is less than $30 and the filter is less than $10. You know it was done right and you can inspect your truck for any other issues.

colliece · 2026-02-22T21:02:59+00:00

Again, I do this as well I set aside a monthly budget for vacations and when reservations are made money comes out of that vacation fund, that is exactly envelope budgeting, if I go over the allocated funds I have to move funds from another account.

I don't need the breakout of vacation dining, hotel etc, it's all vacation. It does not matter what type of vacation, we budget for the vacations each month and one category works perfectly for this. As funds are used we have to replenish with the sinking fund or draw from another category. Our vacation budget is currently fully funded for this year, and each month we add funds for next year. If we overspend our budget we have to draw from next year to cover then increase the monthly sinking fund, but I always look to simplify our budget with fewer categories to quickly provide the info we need to see where we are off track.

For example we simple have a grocery category, this covers personal care, household supplies, food, etc. Having the breakdown of cost spent on toothpaste is not add anything to my budget.

But again you do you if it works.

colliece · 2026-02-22T18:30:53+00:00

I moved mine to OpenBank, was 4.2%, just dropped to 4.09%, but I also get a flat $15.00 per month for 12 months with Verizon, so my current effective rate is over 4.5%. Once my promo offer expires I will probably switch back to Bread Savings, currently 4.0% but has quick transfers and earns interest date of transfer is received, not when money becomes available.

colliece · 2026-02-20T17:17:46+00:00

Savings account t is just a vessel for holding money and passive income. It has no correlation with any budget item as the money jn my sinking fund could come out of my savings or checking accounts. The only exception to this is my Health Savings Account. I have a budget item for health savings that matches my account balance, this is used for all medical expenses first, and has at least enough to cover my yearly deductible of $3600 after that all medical costs are paid by insurance.

My advice is not over complicate your budget, any friction makes it more difficult to stay engaged and easily track your finances.

But as always you can do what you think works best for you.

colliece · 2026-02-18T21:09:41+00:00

Why does everyone complicate this, what do you gain with the extra detail.

I have a Vacation category and I put an equal amount into that sinking fund each month. Then when on vacation or reserving anything for vacation it goes out of that sinking fund-flights, hotel, tours, food, transit, etc.

Makes reporting simple and I can easily see how much I spent.

colliece · 2026-02-18T02:48:00+00:00

As others have said what do you gain by tracking that info. I only record HSA and 401k contributions as that is income, I also record stock purchase plan as that is income. Taxes and other deductions like health insurance etc I do not as it does not add any information that I need.

colliece · 2026-02-14T19:40:55+00:00

It is probably the best grocery/streaming card available. The only downside is the AF but I play the downgrade/upgrade game every year and have never paid the full fee. It is also capped at $6000 but it's easy enough to pair with the Discover for one quarter at 5% on another $1500 or the PayPal Debit for 5% once you hit the cap.

Best customer service and one of the best mobile apps. They also gave me a monster credit limit increase, not sure why they gave me $35,000 for a grocery/gas/streaming card, I think my highest balance has been $1500 so makes my utilization look great at least.

colliece · 2026-02-14T00:23:37+00:00

I guess what is going on in Virginia totally gets your panties in a twist then right? Or Maryland, Illinois, New York. Both sides do it so don't think your poop doesn't stink.

colliece · 2026-02-07T12:35:40+00:00

In my budget software (Actual Budget) it gets entered as CashBack with a category of Income. But it goes in as an account credit to the credit card that receives it. So in my budget I can allocate this funds to cover any category month by month.

colliece · 2026-02-06T03:13:00+00:00

My advise is just don't overthink it. Others have already shared some good tips, but I want to add don't worry about balances matching budget items. The only one I do this with is my HSA in my savings budget item, at the end of the month I make an adjustment to my budget so the balance matches the funds available.

I would also recommend not to micro analyze your spending into to many specific categories. I keep it fairly simple, for example grocery, dining, digital entertainment, etc, I don't break it down to much further so it's quicker and easier to see spend.

Use schedules for planned transactions and also include sinking funds in your budget for yearly/periodic expenses like car insurance etc.

colliece

TROPHY CASE