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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]It's a fantastic card and the points are very flexible if used correctly. I got a CSP in March and have over 100000 points on it already. I agree about the VISA Black. I have a Mastercard World Elite and the annual fee is much lower with basically the same benefits. Not sure I'll ever use th...


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Money Talk
re: Mineral Rights Lease Question - cmlsu
Where'd you lease? We have land in Walker,LA....


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Money Talk
re: Car buying question for bad credit - cmlsu
[quote]Would you cosign on a 475? No way in hell that I would.[/quote] Would you cosign on that if the score was directly related to MS and perhaps a recent app-oramo? Nothing else :lol:...


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Money Talk
re: Using the Will Cover method for car buying - cmlsu
[quote]No dealership is going to stay in business making $500 a vehicle. [/quote] What about saying upfront I'll give you four percent over invoice/wholesale price....


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Money Talk
re: Using the Will Cover method for car buying - cmlsu
We're in the market for a 2012-2013 infiniti qx56. Is the deluxe touring option really worth the expense? Also, most dealers around Baton Rouge seem to not be willing to work much with their listed price...What's a good price for a 2013 qx56 with deluxe touring and say a tech package with about 29,0...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Check out this search result for "Louisiana" and you can spot the difference. Term was "Corner Store" My bad. The ones that have "Kwik Stop" or whatever seem to not hold the same type of stock as "Corner Stores." So I assume perhaps Valero owns the Corner Store properties/they have...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]The place to go to buy VRs/OVs is a Valero. Not the ones that have an independently owned store attached, the ones labeled "country store #×××" on their website. Of course now, loading OVs is a problem but maybe you'll find a VR for sale[/quote] Is there a strict limit on the amount of ...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]On the Visa, AmEx, etc gift cards isn't there a fee four or five bucks each time? Then the money order another dollar or two? Doesn't that cut into the "profits"? Looking to learn from the masters. Just started using my Ink for amazon GC's for 4x the points. [/quote] Yes, that is why you ...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]amex BCP offers the 6% on groceries up to 6K, which covers our grocery bills...it used to be unlimited, but the limit was added (i assume to combat MS) 5% CB on gas can be had with a penfed card, with no annual fee as i said earlier, i'm not completely familiar with points and how t...


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Money Talk
re: La Real Estate Broker Question - cmlsu
An actively licensed broker can be compensated when purchasing property as a principal...whether or not it's 3% is up for negotiation....


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Not trying to pay for this trip with points. Just want to get started earning them correctly. I know I have to spend certain amounts on cards to qualify. This trip will be about 6k. Flights have already been paid for. So just looking for the best card to start with. I have a fair amount of...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Question for you money folks: What is everyone using now that Vanilla Reloads have gone to the shitter? I don't really want to get into the whole buy a One Vanilla at CVS, drive out of my way to Walmart, wait for some idiot to load/deny my Bluebird then go about my merry way. I've al...


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Money Talk
re: Which AMEX card to get? - cmlsu
[quote]Just called, my approval went through, but it didn't generate an email to me at all. She said I should receive cards by May 22nd. [/quote] :cheers:...


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Money Talk
re: Which AMEX card to get? - cmlsu
[quote] I didn't. I applied online for the Delta card, but haven't heard back yet. Not sure if that is an issue or not. I got the Barclays back in January, and have used it primarily since then with no issue, no late payments or anything. [/quote] If you applied online and didn't get an immed...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]As for mortgages, it sounds like they all go to principal from what I've read. I might try blue birding it and see if that works better since I can make one lump payment.[/quote] I bluebird my mortgage every month with a check and no problems...heard horror stories through the online bill ...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Did you load gift cards one at a time and it send one lump sum to your lender?[/quote] I believe there is also a daily limit of $1,000 so if you have a large payment it has to be broken up between days...could be wrong though....


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]hmm so tempted to put my disney vacation coming up on the chase ink plus. will then need to throw an additional $3000 on it in the next 3 months, should be easy [/quote] Free dining plans and dates for resorts were just released to disney visa members...5/7 for general public. We're going ...


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Money Talk
re: MT credit card gurus - cmlsu
[quote] I'm hearing this from multiple sources so I think I'll end up doing that. I'm a total noob when it comes to this so could you explain to me what exactly that means? (5x categories + 10%)[/quote] Basically, it's as follows: 5% CASH BACK ON UP TO $1,500 SPENT IN BONUS CATEGORIES EACH Q...


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Money Talk
re: MT credit card gurus - cmlsu
[quote]I think I qualify for Discover It. Would you guys suggest Chase Freedom over Discover? I know that it can be tough to find places that take Discover. I read good things about the Freedom cashback though. My score is in the low 700s fwiw.[/quote] I would definitely go for the Freedom over D...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
Bigcrumbs is now at 3.5% for the AMEX GCs....


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]I got this one. They put a $3,000 CL on mine and I'm guessing it was because of all my CC pulls, but I just about maxed it out twice in the first month. I just about hit the $6,500 already, but I'm not really worried about financial review or fraud alert. I didn't lie and can justify spending...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Have you purchased any of those GCs yet? Wondering if there's a limit. I really wish they sold larger denominations. I have some heavy regular spend and can pay online using multiple cards so I wouldn't even have to bother liquidating.[/quote] Is it $200 each? Also, I couldn't take the ...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
Yup...looks like my regular CV$ locations in BR have dried up. However, it appears the one vanillas are still working at $4.95 fee but would have to be loaded to a bluebird at walmart. Anybody wanna help me out with some BR spots not named CV$ that have VR's for CC? I'm good competition :cheers...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]After reading this thread I figured that was the way to go. I thought a rule of thumb was to not close credit card accounts?[/quote] You can close the "churnable" cards. These are the ones you can close, wait a period of time, apply again, get intro bonus again...rinse, recycle, repeat. G...


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Money Talk
re: Credit Score Help - cmlsu
For me, I like Dave Ramsey and agree with what he preaches but I also play the credit card game. Of course, if you're going to play the credit card game then you can't carry any balances and I believe that's the "spirit" behind Ramsey...don't get into debt by buying things you can't afford and p...


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Money Talk
re: Buying house for sale by owner - cmlsu
It's all negotiable...you can ask seller to cover all closing cost if you offer close to list. Of course, check to make sure list price is realistic....


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Money Talk
re: Building A Residential Fence - cmlsu
My quote was for $15/ft for the wood fence installation for the backyard...about 255 feet....


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Money Talk
Building A Residential Fence - cmlsu
I am in the market for a residential wood fence in Greenwell Springs, LA...considering using Forrest Scott Fencing. Does anyone have experience with them? Any recommendations?...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Booked reward by transferring UR points to United. Will fly Lufthansa across the ocean. Used the Barclay's card to pay the taxes so I could redeem my points to take care of that. Just booked the flight last night, have to look into hotels now. Probably will pay some out of pocket here...


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Money Talk
re: Credit Card Rewards and Points Discussion - cmlsu
[quote]Inspiration post (hopefully): went ahead and booked two economy (ya ya) tickets to Barcelona for six days over this coming new years. Killed two birds with one stone. Details: MSY to IAD on Dec. 24th to visit fiance family in DC. Leave IAD to Barcelona on Dec. 27th, come back on the 3rd. ...


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