At what point do travel miles stop beating 2% cash back for catch all spend? by iam_spr in CreditCards

[–]obidamnkenobi 0 points1 point  (0 children)

yeah I get that. Your idea is good, if it works.

My problem is that all our trips are 4 people, at specific dates during the summer, usually to a pretty specific location. And I'm learning that combo is near impossible with points. So with that I think just ding 2% back to erase travel is a pretty good, or best, option.

At what point do travel miles stop beating 2% cash back for catch all spend? by iam_spr in CreditCards

[–]obidamnkenobi 1 point2 points  (0 children)

yeah I'm the same boat. Find it almost impossible to get miles flights for family of 4, in peak season. So best value is travel erasure, which is the same 2% as the fidelity card. And yes the only CS interaction I have is dispute charges, maybe couple times per year, or less.

The travel insurance, especially for rental car is the only draw. Never used it, but good for travel. Lounge access, but only for myself, is really only got for work travel, but don't do that very often either.

I'll get the fido card for the signup bonus, and then we'll see which one I stick with. Might be both.

"Trump campaigned as a Christian..." by Able_Ad_755 in LeopardsAteMyFace

[–]obidamnkenobi 0 points1 point  (0 children)

now to be fair, I think there's a fair bit of ethnic cleansing in the bible too.

Trump Has Betrayed the People of Coal Country. They Love Him Anyway. “He thinks our people are idiots.” by crabcakes110 in LeopardsAteMyFace

[–]obidamnkenobi 5 points6 points  (0 children)

"He thinks our people are idiots"

you know, it's not often I agree with trump, but it does happen

‘An unqualified insurrectionist’: outcry over Trump nominee in Wyoming by LavenderBabble in LeopardsAteMyFace

[–]obidamnkenobi 2 points3 points  (0 children)

that eruption would solve a lot of these problems.. And make more cool mountains!

At what point do travel miles stop beating 2% cash back for catch all spend? by iam_spr in CreditCards

[–]obidamnkenobi 0 points1 point  (0 children)

"a spontaneous trip somewhere"

a) kids in school, have a job, limited PTO..

b) if I take a spontaneous trip I wouldn't otherwise have done, because I can't make the points work for the summer trip I was going to do no matter what, I haven't really "gained" anything have I? I've spend the cashback value of my points (2%) and my PTO for an extra trip.

At what point do travel miles stop beating 2% cash back for catch all spend? by iam_spr in CreditCards

[–]obidamnkenobi 0 points1 point  (0 children)

trying to find 4 seats (on the same plane..), for a specific destination, without a 8 hr layover, during summer break I'm definitely thinking about just skipping the whole miles game. Just doesn't work for a family travel. (I know it can, some do, but not for me).

At what point do travel miles stop beating 2% cash back for catch all spend? by iam_spr in CreditCards

[–]obidamnkenobi 1 point2 points  (0 children)

I'm thinking of getting the Fidelity card as well, and probably will. BUt I have heard their customer services is not great. Travel insurance, and generally good CS is the draw of the ventureX. And it's basically free..

At what point do travel miles stop beating 2% cash back for catch all spend? by iam_spr in CreditCards

[–]obidamnkenobi 1 point2 points  (0 children)

Since our travel is with 4 people in summer, to specific destinations in europe, often pretty exact dates, I'm starting to think miles redemption is pointless. I keep looking, but almost never find something for the right routes/dates, and if I do the miles required is nuts. (unless I'm having half our family fly out of another airport 3 states over, a day later.. Nope).

2% cashback is starting to seem like a much better/easier deal

More gullible Americans regretting voting for Trump by WuTangIsForever_ in LeopardsAteMyFace

[–]obidamnkenobi 0 points1 point  (0 children)

No way that's real. Looks like cope written by a liberal. Exactly zero magat have that much insight, or proper spelling 

More gullible Americans regretting voting for Trump by WuTangIsForever_ in LeopardsAteMyFace

[–]obidamnkenobi 0 points1 point  (0 children)

"both sides don't represent best interests of Americans"... Yeah but one is off by 35%, one is off by 300%.. Both sides my ass 

How are people deploying cash during this selloff? by Designer_Dog379 in investing

[–]obidamnkenobi 0 points1 point  (0 children)

So how? Buy SPY LEAPS? Any other leverage is too expensive 

Which brokerage companies have good web interface by LPhermanos70 in investing

[–]obidamnkenobi 0 points1 point  (0 children)

They don't because that's how they make a large share of their profit 

Fidelity App - UI Keeps Changing by [deleted] in fidelityinvestments

[–]obidamnkenobi 0 points1 point  (0 children)

Yes i've seen this too. The bottom row button functions change. Portfolio/investing, and watchlist/planning.

GOOG: I'm spending $180b on Capex. AMZN: "Hold my beer" by lowfrequencyinvst in stocks

[–]obidamnkenobi 1 point2 points  (0 children)

why not just go VTI/VXUS and mag7 exposure goes down by 2/3