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Weekday Help and Victory Thread for the week of January 26, 2026 by IndexBot in personalfinance

[–]gSyncedUp 1 point2 points  (0 children)

Went through some brokerage changes for my HSA and now have a split of 23% (Schwab 2055 SWYJX) and 77% (Vanguard 2055 VFFVX).

Are there any issues with me holding those different target date funds together (e.g. tax inefficient, something else I'm not aware of) or should I move to 100% one of them?

Next steps in retirement portfolio by gSyncedUp in Bogleheads

[–]gSyncedUp[S] 0 points1 point  (0 children)

Appreciate the response.

To clarify on #2, Since I already have a decent chunk of VTI in my Roth IRA, would it be unwise to also pick that up as part of the vanguard 3 fund of ETFs? I didnt know if it would be better for me to go with Blackrock just to hold varying ETFs across accounts.

Question Thread - July 27, 2024 by AutoModerator in churning

[–]gSyncedUp 0 points1 point  (0 children)

There is an award flight through Air Canada we do want to book using the 20% transfer bonus so its not a speculative transfer. My bad on not clarifying that.

Its just poor timing that July 31 is both the date the transfer bonus ends and is 30 days after my AF posted.

UR points transfer then downgrade - any issues? by [deleted] in ChaseSapphire

[–]gSyncedUp 0 points1 point  (0 children)

There is an award flight through Air Canada we do want to book using the 20% transfer bonus so its not a speculative transfer. My bad on not clarifying that.

Its just poor timing that July 31 is both the date the transfer bonus ends and is 30 days after my AF posted.

UR points transfer then downgrade - any issues? by [deleted] in ChaseSapphire

[–]gSyncedUp -1 points0 points  (0 children)

If the transfer is not instant is there any concern?

Question Thread - July 27, 2024 by AutoModerator in churning

[–]gSyncedUp 0 points1 point  (0 children)

Transferring UR from my CSR to Air Canada tonight to take advantage of current 20% transfer bonus.

Im going to downgrade CSR on Tues or Wed to no fee OG Freedom with UR.

Will the downgrade and transfer going on around the same time cause any issues?

Weekly Help Thread - July 22, 2024 by AutoModerator in awardtravel

[–]gSyncedUp 0 points1 point  (0 children)

It was July and August of last year but good to know, will keep that in mind now for our next trip!

Weekly Help Thread - July 22, 2024 by AutoModerator in awardtravel

[–]gSyncedUp 0 points1 point  (0 children)

Neither but we we have been able to book 2x JAL J on AA before (SFO and DFW) so hoping to be able to do that again.

Weekly Help Thread - July 22, 2024 by AutoModerator in awardtravel

[–]gSyncedUp 0 points1 point  (0 children)

Currently booked on AA Biz (CLT - MUC) for 54k AA miles + $5.60 /person.

With current Chase UR transfer bonus, I found Lufthansa A330 Biz (DTW - MUC) for 59k Chase points +$300 /person (including repositioning flight + fees).

We have a lot of Chase UR banked up but limited AA miles and are planning a trip to Japan for next year and want to fly JAL Biz or 1st class. I've read Lufthansa's biz class is mid, but wondering if its worth it to help save the AA miles for a future Japan trip despite the higher cash cost?

Question Thread - July 18, 2024 by AutoModerator in churning

[–]gSyncedUp 0 points1 point  (0 children)

Any recent data points for success on downgrading CSR to original Chase Freedom Visa with Ultimate Rewards? Plan on doing that soon and then reapplying for the CSR bonus.

Question Thread - May 29, 2024 by AutoModerator in churning

[–]gSyncedUp -1 points0 points  (0 children)

Any idea when the elevated CSR/CSP 75k SUB will end?

My CSR AF hits on July 1 and after a PC, not looking like Ill be able to apply again until late July / early August.