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I have an Amex Rewards Plus Gold Card with  142,205 membership rewards points.  The annual fee is $135.  I was thinking to switch to a different Amex with no annual fee.  I think my fee is coming up in June.  But ofcourse I'd like to utilize my points before, or be able to roll them to a new Amex card, or roll them to some kind of frequent flyer or even rental plan.  I fly once or twice a year domestically.  Any advice on how to best navigate this situation.

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Roxyr said:   I have an Amex Rewards Plus Gold Card with  142,205 membership rewards points.  The annual fee is $135.  I was thinking to switch to a different Amex with no annual fee.  I think my fee is coming up in June.  But ofcourse I'd like to utilize my points before, or be able to roll them to a new Amex card, or roll them to some kind of frequent flyer or even rental plan.  I fly once or twice a year domestically.  Any advice on how to best navigate this situation.
Several years ago I was in the same situation. At some point during the year I received a promo for a 25% bonus for transferring to some airline (Delta, maybe), transferred all my miles and closed the card. Obviously YMMV and if you don't get a promo, you should probably just transfer them to the airline or hotel you're most likely to use.

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Thanks BostonOne.
 

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Roxyr said:   I have an Amex Rewards Plus Gold Card with  142,205 membership rewards points.  The annual fee is $135.  I was thinking to switch to a different Amex with no annual fee.  I think my fee is coming up in June.  But ofcourse I'd like to utilize my points before, or be able to roll them to a new Amex card, or roll them to some kind of frequent flyer or even rental plan.  I fly once or twice a year domestically.  Any advice on how to best navigate this situation.
Better to keep them as Membership Rewards points until you have a use.  Amex won't let you product change to a free card, but you could apply for the Everyday, a no annual fee card that earns MR, thus keeping them alive.  Also comes with a 10K MR sign up bonus for minimal spend.  There's a Preferred version that has a $95 annual fee which IMO is superior, but the base level Everyday will get the job done for you.

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dukerau said:   
Roxyr said:   I have an Amex Rewards Plus Gold Card with  142,205 membership rewards points.  The annual fee is $135.  I was thinking to switch to a different Amex with no annual fee.  I think my fee is coming up in June.  But ofcourse I'd like to utilize my points before, or be able to roll them to a new Amex card, or roll them to some kind of frequent flyer or even rental plan.  I fly once or twice a year domestically.  Any advice on how to best navigate this situation.
Better to keep them as Membership Rewards points until you have a use.  Amex won't let you product change to a free card, but you could apply for the Everyday, a no annual fee card that earns MR, thus keeping them alive.  Also comes with a 10K MR sign up bonus for minimal spend.  There's a Preferred version that has a $95 annual fee which IMO is superior, but the base level Everyday will get the job done for you.

  Make sure you apply and get the new card before canceling he old card.

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Divorce 101 question:

If the wife cheats and is 100% at fault for causing the breakup, does the man still get the shaft and have to pay alimony, child support and all that nonsense?

Thanks!

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LongDongSilver said:   Divorce 101 question:

If the wife cheats and is 100% at fault for causing the breakup, does the man still get the shaft and have to pay alimony, child support and all that nonsense?

Thanks!

 Depends on your state. IANAL.

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Question about maternity leave, NYS- If my wife wished to not return to work after the birth of our child, when is correct time to inform her managers/ company? Prior to maternity leave or after? What would the estimated results be in either of the situations? If a woman resigns at the end of the maternity leave, is she liable to return maternity pay?

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Chase balance transfer question:

I have $724 left on a 0% BT that expires 05/2015. My statement shows the $724 due 5/24/15 (typical date). I was planning on paying the $724 5/23/15 BUT Does interest start racking up 5/1/15?

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CokeSlurpee711 said:   Chase balance transfer question:

I have $724 left on a 0% BT that expires 05/2015. My statement shows the $724 due 5/24/15 (typical date). I was planning on paying the $724 5/23/15 BUT Does interest start racking up 5/1/15?

  You need to read the fine print on the BT offer carefully to determine the actual date the promotional rate expires. Call CSR if needed.

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Capital One Quicksilver CC question:

Looking to get this card as my daily CC for the 1.5% CB and $100 bonus after $500 spending.  How's customer service, especially in the event of CC dispute, such as issue with an order, bad merchant, etc?

Thanks!

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fwuser12 said:   
CokeSlurpee711 said:   Chase balance transfer question:

I have $724 left on a 0% BT that expires 05/2015. My statement shows the $724 due 5/24/15 (typical date). I was planning on paying the $724 5/23/15 BUT Does interest start racking up 5/1/15?

  You need to read the fine print on the BT offer carefully to determine the actual date the promotional rate expires. Call CSR if needed.

  to add, don't mess around and game try to get every last cent.  

The interest doesn't just *start* racking up, once you miss the period, it's all the interest from day 1 when you took out the $.  This is how they make $ on 0% BT.

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LongDongSilver said:   Capital One Quicksilver CC question:

Looking to get this card as my daily CC for the 1.5% CB and $100 bonus after $500 spending.  How's customer service, especially in the event of CC dispute, such as issue with an order, bad merchant, etc?

Thanks!

  I've had the card for about 18 months (as a replacement for another Capital One card), and the few disputes I've had were handled promptly and in my favor.  With fraud cases, they usually as for a written confirmation that you didn't make the charges.

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jhburgess said:   
LongDongSilver said:   Capital One Quicksilver CC question:

Looking to get this card as my daily CC for the 1.5% CB and $100 bonus after $500 spending.  How's customer service, especially in the event of CC dispute, such as issue with an order, bad merchant, etc?

Thanks!

  I've had the card for about 18 months (as a replacement for another Capital One card), and the few disputes I've had were handled promptly and in my favor.  With fraud cases, they usually as for a written confirmation that you didn't make the charges.

For the CB, do they send you CB Checks In The Mail or you can request DD to a third party bank account?

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Where is the list of credit cards that offer signup bonuses for spending $x in the first 3 months, etc.?

Edit #1: looking for actual Cash Back or points that can be converted to cash, etc.
Edit #2: spending $500 or $1000 in the first few months is about my limit

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Dougmeister said:   Where is the list of credit cards that offer signup bonuses for spending $x in the first 3 months, etc.?

Edit #1: looking for actual Cash Back or points that can be converted to cash, etc.
Edit #2: spending $500 or $1000 in the first few months is about my limit

  See this thread

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LongDongSilver said:   
jhburgess said:   
LongDongSilver said:   Capital One Quicksilver CC question:

Looking to get this card as my daily CC for the 1.5% CB and $100 bonus after $500 spending.  How's customer service, especially in the event of CC dispute, such as issue with an order, bad merchant, etc?

Thanks!

  I've had the card for about 18 months (as a replacement for another Capital One card), and the few disputes I've had were handled promptly and in my favor.  With fraud cases, they usually as for a written confirmation that you didn't make the charges.

For the CB, do they send you CB Checks In The Mail or you can request DD to a third party bank account?

  You have several choices for redemption: account credit, check by mail, redeem against purchases, gift cards or charitable donation.

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Sorry if I chose the wrong thread to post my question. This is about how to make an online retailer who shipped me a wrong (cheaper) item acknowledge their mistake and sending me the right item as I requested. 

About two weeks ago on April 18 I came across a tablet sale on Rakuten.com (a.k.a Buy.com) which was 51% off on a brand new ASUS 16GB MeMO Pad 8" (ME181C) light blue tablet for $96.99 (regular price $199.99 and Amazon was selling it for $169.99 at the time) with free shipping. I double- or even triple-checked the listing and the product details, and all texts and graphics on the product page indicated it was indeed the ASUS ME181C 8" model that was on sale, not the 7" one (ME176CX), though sharing the same color (light blue). I thought it was such a great deal so I went ahead and placed the order. I got the order confirmation email from Rakuten right away with the right product's name and description included. Later I even shared it on FW: http://www.fatwallet.com/forums/hot-deals/1438506/ though I can't say the response I got from fellow FWers was very enthusiastic. 

Still, I was excited and looking forward to receiving my brand new tablet. My order arrived last Friday on the 24th and to my dismay, I found they shipped me the wrong item. I received the ASUS 16GB MeMO Pad 7" (ME176CX), not the 8" one, and Rakuten's packing slip confirmed that. The only thing that matched was the color, light blue.

I contacted the customer service right away by submitting a "Wrong Item/Replacement Request" form on Rakuten's website, in which I described what happened and asked for a replacement.

The first response email I received the next day showed that the agent had hardly read through my message by asking questions I already explained in the form. So I explained everything again and restated that I want a replacement, not return.

Then I was told that the product I originally ordered is not in stock so they cannot provide me with a replacement. The same agent went ahead and issued my a return shipping label with instructions on how to send the wrong item back for a refund.

Not having faith in the "out-of-stock" claim, I went to search for ASUS ME181C and found products in all four colors (light blue, purple, white, black) still available and being sold on Rakuten.com (this was the day before yesterday). I took screen shots of each listing and emailed the agent about them with the URL link to the tablet I originally ordered. I said I won't give up my replacement request as long as these tablets show as available on their website.

The reply I got yesterday was that the ASUS MeMO Pad 8" (light blue) I linked her is currently sold by their marketplace seller----Adorama Camera and Buy.com no longer has this item in their warehouse, therefore they still cannot provide me with a replacement. I found this to be true. However, at the same time, I also found that the MeMO Pad 8" in color purple was (and still is) available and sold by Buy.com as their listing shows. I emailed the agent back and told her that I'm willing to take the purple one for the replacement as solution. 

And today, the same agent replied, saying the following:
"Requesting a replacement however means we will ship you the exact same product or SKU number.  We will be unable to provide an exchange.  Please wait for our specialist to provide you an update regarding your request to get the item that was advertised when you placed the order."

Sounds like it is OK for them to mess up my order and wasting my time with either human error or false advertising, but not an option when it comes to be a little accommodating and make things right?

I am really upset with this company now. I made purchases from Buy.com multiple times in the past and never had any issue. What do you guys suggest me do? Accept the return offer and forget about it or bring the case somewhere else? I still want the tablet but not sure if spending more time and energy on this is going to be worthwhile.

Any suggestions are appreciated. Thanks!!

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TL; DR. How about condensing it down from NantucketSunrise length?

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Cliff note version:

Rakuten's sucks. Shipping wrong tablet then lied about the availability of the product, thereby wasting buyer's time and denies a good deal.

Disclaimer: Rakuten owns FW

Proposed solution: BBB, Attorney General, complaint sites.. small claim court.

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if you're not happy, return it.

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What bank can cash it

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bolanosk said:   What bank can cash it
  The Bank of Mattress is all cash. HTH

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Decided to spend my "newbie" token, Here is my question.

I've got a relative who's been trying to sell a home for awhile with no luck. I suggested renting it out but they didn't like that idea and they don't want to budge on the price due to the remaining mortgage. The house is listed at $85,900 with about $30k left on the mortgage with proceeds from the sale going to pay down debts. I don't know how much the realtor (Century 21) will charge for the sale.

So what can I say/suggest to the relative to get this house sold?

Any suggestions I can pass on would be appreciated


P.S. here is the house listing: http://poweredby.century21.com/realestatelistings/Ironton-OH-456...

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What does the selling agent say about why it is not selling? What are the comps looking like? Is the asking price in line with it?
Usually, if you drop the price,, it will sell (assuming there is nothing fundamentally wrong with the house/neighborhood).

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parkdanil said:   Decided to spend my "newbie" token, Here is my question.

I've got a relative who's been trying to sell a home for awhile with no luck. I suggested renting it out but they didn't like that idea and they don't want to budge on the price due to the remaining mortgage. The house is listed at $85,900 with about $30k left on the mortgage with proceeds from the sale going to pay down debts. I don't know how much the realtor (Century 21) will charge for the sale.

So what can I say/suggest to the relative to get this house sold?

Any suggestions I can pass on would be appreciated


P.S. here is the house listing: http://poweredby.century21.com/realestatelistings/Ironton-OH-456...

  
You can't really do anything to help it sell. It's all based on the price. If it were $1, it'd sell in an instant so therefore it's just overpriced. The market speaks, the seller's just aren't listening. I always hear how people need to get so much out of the sale for whatever reason, but that's not how you price something. You price it at whatever a buyer is willing to pay. Any other formula usually means it ends up overpriced. The only way to help them sell it is to have them lower the price til it's at market value. Or just stop wasting everyone's time and keep it until the market goes up (in Theory) to where they need to be.

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I spent an old Chase HSA down to 0 12/31/14 - Chase kept hitting my $0.00 HSA for $3.00 now I show a -$15.00. I tried the number on the contact us only to get an instant hangup... Do I ignore & record a liability for $3 a month & hope they never chase me or what?

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[Q=MVP9596;11747073]The previous thread by asdf9876 was getting rather large. You can view it here. Post all types of questions in this thread. Ask anything you were afraid to ask elsewhere. No flaming or fighting please.[/Q]

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My Citi Double Cash card number was stolen. The thief spent about $320 (those charges went through) last weekend at bars/restaurants 1,000 miles away, and then tried to charge $6000+ (those were blocked by Citi) to Delta Airlines. I already disputed the charges and Citi is sending me a new card. When this happens, do they open a criminal investigation? I just hope this guy doesn't do it again or to anyone else. He tried to buy plane tickets so I assume Delta has his information. He made 11 charges all at different places so I assume there is footage of him somewhere.

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matrix5k said:   My Citi Double Cash card number was stolen. The thief spent about $320 (those charges went through) last weekend at bars/restaurants 1,000 miles away, and then tried to charge $6000+ (those were blocked by Citi) to Delta Airlines. I already disputed the charges and Citi is sending me a new card. When this happens, do they open a criminal investigation? I just hope this guy doesn't do it again or to anyone else. He tried to buy plane tickets so I assume Delta has his information. He made 11 charges all at different places so I assume there is footage of him somewhere.
They typically do not do a criminal investigation. Especially if the out-of-pocket damage to Citi was $320. It can be frustrating because you want the person to get what they deserve, but to the bank it's just a financial calculation and loss from fraud is built in to their model. 

rated:
parkdanil said:   Decided to spend my "newbie" token, Here is my question.

I've got a relative who's been trying to sell a home for awhile with no luck. I suggested renting it out but they didn't like that idea and they don't want to budge on the price due to the remaining mortgage. The house is listed at $85,900 with about $30k left on the mortgage with proceeds from the sale going to pay down debts. I don't know how much the realtor (Century 21) will charge for the sale.

So what can I say/suggest to the relative to get this house sold?

Any suggestions I can pass on would be appreciated


P.S. here is the house listing: http://poweredby.century21.com/realestatelistings/Ironton-OH-456...
 

Using the ZIllow "comp homes" tool
4 houses like theirs sold 62-68k
7 homes sold 75-80k
1 sold at 80k
1 sold at 95k
2 sold at 100k
median of those houses is 77.5
average of those houses is 78.1.
So unless their house is an amazing specimen, it's probably overpriced

Also, similar house, 4 blocks away is listed for 20k (needs reno, sold as-is).

I'd suggest putting it at 79k to get offers.

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matrix5k said:   My Citi Double Cash card number was stolen. The thief spent about $320 (those charges went through) last weekend at bars/restaurants 1,000 miles away, and then tried to charge $6000+ (those were blocked by Citi) to Delta Airlines. I already disputed the charges and Citi is sending me a new card. When this happens, do they open a criminal investigation? I just hope this guy doesn't do it again or to anyone else. He tried to buy plane tickets so I assume Delta has his information. He made 11 charges all at different places so I assume there is footage of him somewhere.
  You don't "dispute the charge" because all they do is confirm the charge with the merchant and expect you to pay. You must report the charges as fraud.  Hear me now, believe me later. 

rated:
I reported them as fraud, sorry.

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We are buying a new coop apartment in NYC. We have almost paid off our current apartment. The price difference and paying off our current mortgage will probably be about 80k. I am thinking about taking out a 200k loan instead.
I'm planning on just making 120k principal payment right after we close. I was planning on taking out the extra money for 2 reasons. First the interest rate for such a low loan is slightly higher. Second, I was interested in doing a reverse points situation. We are only looking to stay in this apartment for a few years probably. There are about 10-15k associated expenses that we won't get back when we sell. So if we can do -.5 point and get back $1000 toward those expenses it seems like it makes sense. Yes, we will pay a higher rate but dumping back 2/3 of the money back into the mortgage immediately we will be towards the end of a 15 year year mortgage so we won't be paying too much interest anyways. Is there anything I'm not seeing here?

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