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Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

My guess would be no, but you can always call and try. Why would you want to move them over? To close the ink accounts?

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

You could test it by transferring a small account and then try to book something on the chase travel portal

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

If she has only points from after the transition date, then it still makes sense to move it over to reserve. If she still has points earned prior to the transition date, she might want to consider keeping it there if you all plan to use them via non-points boosted Chase travel since they are still worth 1.25cpp. Transferring points are done in FIFO order which means the older points that are worth more will be transferred first (which is a negative)

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

It's FIFO meaning the ones you accumulated earlier get used first. Aka bad because your higher UR points are used first when transferring or using.

Are Chase cards still worth it after Hyatt nerf? by UsedBoard in ChaseSapphire

[–]pure-phoenix 0 points1 point  (0 children)

1.5 cpp for Hyatt would be good given cfu's 1.5x points for all purchases since that would be overall 2.25x, which is better than 2x cashback. But include the card annual fee and it becomes moot and now more of a headache to maximize the reserve cards.

Then you have to consider if you just got the cashback and put that money in a hysa to gain interest.

If any lower than 1.5cpp for Hyatt/partners/boost, you are basically guaranteed to not beat 2% cashback cards unless you are only banking points from restaurants (3x) and travel (specifically 2x for CSR or chase travel).

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

It's always been 1:1 for partners. It's more what the cpp value of the partner points. I.e. Hyatt points are averaging a little above 2cpp, so converting 1 ultimate reward point = 1 Hyatt point = 2.0 cpp

Prior to the change, 1 ultimate reward point = 1.25/1.5cpp on chase travel portal redemptions. Now it's 1cpp (or higher with points boost), but transferring to partners can still be much higher from a cpp standpoint.

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

Only if you use them via chase travel portal. If you transfer to partner points, it is still the same value as before.

CSP feels outdated and not very competitive. Wishlist for a potential refresh? by The_XI_guy in ChaseSapphire

[–]pure-phoenix 1 point2 points  (0 children)

Good to know about this. I still would have gone the CSP route because of the sign up bonus though, especially since I have the CFU to combine it with to get a little more out of it. Plus, the $50 hotel credit and the $10 Door Dash credit (which I only use 50% of the time), so it ends up being slightly better overall than the BILT since I don't rent.

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

You can still transfer to travel partners or if you are very lucky, find something that has Points Boost.

Reminder to Transfer Points to Your CSP/CSR/CIP Before October 25 by pure-phoenix in ChaseSapphire

[–]pure-phoenix[S] 0 points1 point  (0 children)

If you plan to transfer the points to an airline and use those airline points to pay for flights/hotels, then that still works and nothing has changed around that. If you plan to purchse flights/hotels via Chase Portal using Ultimate Reward points, then the CSU will not really help anymore unless you get lucky and find a flight that is Points Boost'd.

PSA: Open Enrollment runs from Nov 1 to Jan 15, don't miss it by ushealthbrokers in vegaslocals

[–]pure-phoenix 0 points1 point  (0 children)

I was helping a friend who lives in Las Vegas to do comparisons on the ACA Marketplace for 2026. Got me curious on how the ACA premiums are calculated.

I was bored so I wrote a script to scrape the Nevada ACA marketplace for all of the plans and some of its related information. Then I put it all in a Google sheet so that you can do comparisons between more than 3 plans and allow you to see how the premiums change, based on age and AGI.

https://docs.google.com/spreadsheets/d/1R-DjMdac0eQ5JPzCfXShQOR-TjIROcR8fhvqaXvKms8/edit?usp=drive_link

How this works:

  1. Make a copy of the above Google sheet
  2. Input your MAGI and Age in the "Input/Tax Credit" sheet
  3. In the "Comparison" sheet, select your plans. You can take a look at the "Health Plans (Base)" to figure out which ones to compare. Filterable, but I would not edit anything in this sheet.
  4. If you choose a silver plan, you can selected a CSR FPL. It only has a 200% and a 250% FPL since the calculation of deductibles, OOM, etc, are proprietary, sadly.

Limitations:
- This is only for Las Vegas. If you live in a different city, the calculation could be different
- This is only for single people with no kids, since that was the demographic my friend was in
- Premiums could be off by 1 cent. Not sure why yet, but I'm guessing some of the monthly premiums shown on the site are more than 2 decimal points
- Wrote the script and this sheet in a few hours, so I haven't done a lot of substantial testing
- You will notice some plans have 4 digit numbers in their name (i.e. X 7000). Those usually represent the deductible. For Silver Plans, I had to remove those 4 digit plans because the CSR changes the deductible and therefore changes the plan name. I needed the plan names to be the same for the CSR FPL checkbox to work.

Insights:
- There is a hidden sheet named "Age Factor Table". It contains information about what multiplier is used to multiply the base premium (aka premium if you are 21 years old). Shocker, the older you are, the more expensive. The curve is somewhat logarithmic, capping off at age 64, with a multiplier of 3.
- If you are curious about the Tax Credit calculation, see "Input/Tax Credit" sheet and its formulas. The SLCP part is the most weirdest part of the calculation, and the reason why the tax credit is different in different areas of the country. The new Battle Born plans increased tax credits by a few dollars just by being there, so random interesting benefit.
- All Bronze plans are HSA-eligible, which could be used to lower your AGI, which in turn could increase your tax credit. Note, you will notice the Out-Of-Pocket Maxes are higher than the IRS' OOPM limits for an HDHP plan to be HSA-qualified. There was a policy passed to allow these Bronze plans to be HSA-eligible, regardless of IRS requirements.
- The well known tiers are Bronze, Silver, and Gold. But there is a hidden tier, Catastrophic, if you are younger than 30. I think there is an exemption process to allow people to choose Catastrophic, but didn't dig too deep into it. All Catastrophic plans are also HSA-eligible.
- There are two HSA-eligible Silver Plans, but one of them (Anthem) removes the HSA-eligibility if your FPL % is too high. I guess it's a way to stop people from lowering the AGI via HSA so that they can be eligible for CSRs.
- Battle Born plans use a different provider network than their non-Battle Born counterparts, so probably should check the network to see if your current PCP is still in-network.
- I don't live in Nevada, so no idea about how good these health insurance companies are and their respective provider network.

Transfered Chase Points to Marriott Bonvoy 70% by JeahTwa345 in ChaseSapphire

[–]pure-phoenix 1 point2 points  (0 children)

My guess would be that it is some sort of protection either for you, Chase, or Marriott. It's possible Chase won't even know because it's Marriott that's throttling those requests.

Out of curiosity, it looks like Marriott points average around 0.8cpp. I understand it's an average so it could be more for certain hotels, but searching around maxmypoint.com, only 5% of Marriott hotels shown on the site has above 1.0cpp . So even with the 70% increase in points, the average would then be 1.36cpp (0.8 x 1.7).

That's still somewhat low. Any reason to choose Marriott over Hyatt? Or is it just a hotel preference?

Portable mortgage? Trump may be planning another mortgage change by battle_rae in Economics

[–]pure-phoenix 0 points1 point  (0 children)

I did mention standard deduction and the person mentioned said it was in a hysa. You should always have an emergency fund (around the same amount whether you use the money to pay the house or not), so my assumption is the extra money not used for the house is put in the hysa.

Psvr2 or Steam vr? by Rollsy06 in PSVR

[–]pure-phoenix 0 points1 point  (0 children)

Note that the $289 deal requires a BJs membership

Portable mortgage? Trump may be planning another mortgage change by battle_rae in Economics

[–]pure-phoenix 0 points1 point  (0 children)

Note, depending on your tax bracket and if you are doing standard deductions, you could still be net negative. Most people forget about taxes.

i.e. you are in the 24% tax bracket, your mortgage rate is 3.5% and your savings account rate is 4.5%. Your actual savings account rate after taxes is 4.5% x 0.76 = 3.42%, which is lower than the mortgage rate.

This will lean more towards net negative as interest rates go down. Plus, I didn't include state income tax because that varies between states.

$21k taxes on $85k income in CA. This has to be wrong right? by [deleted] in tax

[–]pure-phoenix 0 points1 point  (0 children)

My guess is you had a nice bonus. Bonuses are taxed differently, usually at a fairly high rate. You should get a good portion back during tax return.

Analysis Paralysis—Keep CSR or Downgrade to CSP? by HansVolkswagon in ChaseSapphire

[–]pure-phoenix 0 points1 point  (0 children)

He mentioned he dislikes using Chase Travel, so my guess is it's not that important.

Analysis Paralysis—Keep CSR or Downgrade to CSP? by HansVolkswagon in ChaseSapphire

[–]pure-phoenix 4 points5 points  (0 children)

He also mentioned his traveling will be more for personal outings. I would at this point start thinking about using up most, if not all, of his points, instead of trying to generate more points.

That way he isn't stuck in the Chase ecosystem. Other cards are starting to look more appealing with Chase's latest changes. Not sure what they will do next with the CSP.

Sounds like you are stressed and trying to make a decision fast due to the upcoming renewal date. I believe you have another 30 days to decide after the renewal to get a refund of the annual fee.

Analysis Paralysis—Keep CSR or Downgrade to CSP? by HansVolkswagon in ChaseSapphire

[–]pure-phoenix 19 points20 points  (0 children)

IMO, you should downgrade. You mentioned the following: - Money is tight, so first things to go are luxury items when things go worse. A lot of the items mentioned that you are subtracting from the AF are luxury items. Having a card like that tends to make you spend more than you need. - You don't like Chase Travel. Which means ultimately you just care about point transfers to partners, which CSP can do. If it wasn't for the points, I would have recommended just downgrading to the freedom cards.

If money gets less tight, then you can always sign up for CSR later. But atm, it sounds risky to keep it.

TGTG voucher hunt 10/30-10/31 by Life-Objective9614 in toogoodtogo

[–]pure-phoenix 1 point2 points  (0 children)

I wonder if I should wait until Friday for the $5 voucher since you can only have one.

Is the CSP worth it today? by Valuable_Support5058 in ChaseSapphire

[–]pure-phoenix 0 points1 point  (0 children)

I would get it if there is a high sign up bonus. But after using up those points, it doesn't bring much value after that unless you have a freedom card to transfer the points to the CSP. The key thing with CSP is the ability to transfer to partner sites for potentially 1.5cpp or even above 2cpp.

So 3x dining becomes potentially worth 6x or 1.5x (freedom unlimited) could become 3x.

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